.mo-page {
  background: #f6f3ee;
  color: #133056;
}

.mo-page main {
  overflow: visible;
}

.mo-page img {
  display: block;
  max-width: 100%;
}

.mo-page h1,
.mo-page h2,
.mo-page h3 {
  color: #15345b;
  letter-spacing: -0.03em;
}

.mo-page p {
  color: #5d738f;
}

.mo-hero {
  position: relative;
  padding: 36px 0 0;
  background:
    linear-gradient(90deg, rgba(183, 196, 209, 0.16) 0%, rgba(255, 255, 255, 0) 40%, rgba(244, 235, 214, 0.12) 100%),
    url("../img/mortgage-loans/hero-mortgage.png") center top / 100% auto
      no-repeat,
    #d6dde2;
}

.mo-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.08) 0%, rgba(255, 255, 255, 0) 18%),
    linear-gradient(0deg, rgba(255, 255, 255, 0.06) 0%, rgba(255, 255, 255, 0) 22%);
  pointer-events: none;
}

.mo-hero-shell {
  position: relative;
  z-index: 1;
  min-height: 308px;
  display: flex;
  justify-content: center;
  align-items: flex-start;
}

.mo-anchor {
  display: block;
  height: 0;
  margin-top: calc(var(--mo-sticky-offset, 88px) * -1 - 68px);
  padding-top: calc(var(--mo-sticky-offset, 88px) + 68px);
  visibility: hidden;
}

.mo-hero-card {
  width: min(100%, 468px);
  margin-top: 24px;
  padding: 26px 34px 28px;
  border-radius: 14px;
  text-align: center;
  background: rgba(255, 255, 255, 0.78);
  box-shadow: 0 4px 10px rgba(0, 0, 0, 0.22);
  backdrop-filter: blur(3px);
}

.mo-hero-card h1 {
  margin: 0;
  font-size: clamp(1.9rem, 2.05vw, 2rem);
  font-weight: 600;
  line-height: 1.22;
  letter-spacing: -0.02em;
  color: #36404b;
}

.mo-hero-divider {
  display: block;
  width: 100px;
  height: 4px;
  margin: 16px auto 14px;
  border-radius: 999px;
  background: #ef6d0b;
}

.mo-hero-card p {
  margin: 0;
  font-size: clamp(1.35rem, 1.7vw, 1.55rem);
  line-height: 1.32;
  font-weight: 400;
  color: #48505a;
}

.mo-eyebrow,
.mo-kicker {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin: 0 0 16px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: #ef6a00;
}

.mo-kicker::before,
.mo-eyebrow::before {
  content: "";
  width: 34px;
  height: 2px;
  border-radius: 999px;
  background: #ef6a00;
}

.mo-kicker-light {
  color: #ffd39f;
}

.mo-kicker-light::before {
  background: #ffd39f;
}

.mo-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 28px 0 26px;
}

.mo-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  font-size: 15px;
  font-weight: 700;
  transition: 0.25s ease;
}

.mo-btn:hover {
  transform: translateY(-2px);
}

.mo-btn-primary {
  color: #fff;
  background: linear-gradient(135deg, #ef6a00 0%, #ff8a26 100%);
  box-shadow: 0 18px 34px rgba(239, 106, 0, 0.28);
}

.mo-btn-primary:hover {
  color: #fff;
}

.mo-btn-secondary {
  color: #15345b;
  background: rgba(21, 52, 91, 0.08);
  border: 1px solid rgba(21, 52, 91, 0.14);
}

.mo-btn-secondary:hover {
  color: #15345b;
}

.mo-hero-points {
  display: grid;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.mo-hero-points li {
  position: relative;
  padding-left: 28px;
  font-size: 15px;
  line-height: 1.6;
  color: #44617f;
}

.mo-hero-points li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 10px;
  width: 11px;
  height: 11px;
  border-radius: 50%;
  background: linear-gradient(135deg, #ef6a00 0%, #ffb165 100%);
  box-shadow: 0 0 0 7px rgba(239, 106, 0, 0.12);
}

.mo-section-nav {
  position: sticky;
  top: var(--mo-sticky-offset, 88px);
  z-index: 1000;
  margin-top: 0;
  background: #ffffff;
  box-shadow: 0 1px 0 rgba(19, 48, 86, 0.08);
}

.mo-section-nav-track {
  display: flex;
  justify-content: center;
  align-items: stretch;
  gap: 28px;
  overflow-x: auto;
  padding: 0 22px;
  background: #ffffff;
  scrollbar-width: thin;
}

.mo-section-nav-track a {
  flex: 0 0 auto;
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 28px 4px 24px;
  border-radius: 0;
  font-size: 17px;
  font-weight: 500;
  line-height: 1.1;
  color: #2f3742;
  background: transparent;
  white-space: nowrap;
}

.mo-section-nav-track a.is-active::before {
  content: "";
  position: absolute;
  top: 0;
  left: -8px;
  right: -8px;
  height: 5px;
  background: #ef6d0b;
}

.mo-section-nav-track a.is-cta {
  align-self: center;
  min-height: 34px;
  margin-left: 8px;
  padding: 0 22px;
  border-radius: 4px;
  font-size: 15px;
  font-weight: 600;
  color: #fff;
  background: #0b73bb;
}

.mo-preapproval,
.mo-estimate,
.mo-process,
.mo-options {
  padding: 100px 0;
  scroll-margin-top: calc(var(--mo-sticky-offset, 88px) + 88px);
}

.mo-nudge,
.mo-calculators,
.mo-articles {
  padding: 90px 0;
  background: #eef3f7;
}

.mo-nudge {
  padding: 0;
  background: #dbe6f1;
}

.mo-award {
  padding: 0;
  background:
    linear-gradient(0deg, rgba(43, 59, 73, 0.76), rgba(43, 59, 73, 0.76)),
    url("../img/mortgage-loans/dark-wall-halloween-background-concept-scary-background-horror-texture-banner_526818-.avif")
      center/cover no-repeat;
}

.mo-resources {
  padding: 100px 0;
  scroll-margin-top: calc(var(--mo-sticky-offset, 88px) + 88px);
}

.mo-section-head {
  max-width: 760px;
  margin: 0 auto 42px;
  text-align: center;
}

.mo-section-head h2 {
  margin: 0 0 14px;
  font-size: clamp(2rem, 3vw, 3.1rem);
  line-height: 1.1;
}

.mo-section-head p {
  margin: 0;
  font-size: 18px;
  line-height: 1.75;
}

.mo-contact-card,
.mo-tool-card,
.mo-option-card,
.mo-article-card {
  height: 100%;
  padding: 34px 30px;
  border-radius: 28px;
  background: #fff;
  border: 1px solid rgba(23, 53, 92, 0.08);
  box-shadow: 0 24px 54px rgba(18, 45, 79, 0.08);
}

.mo-preapproval-body {
  max-width: 1080px;
  margin: 0 auto;
}

.mo-preapproval-copy {
  max-width: 930px;
  margin: 0 auto 36px;
  text-align: center;
}

.mo-preapproval-copy p {
  margin: 0;
  font-size: 18px;
  line-height: 1.9;
  color: #556d89;
}

.mo-preapproval-copy p + p {
  margin-top: 18px;
}

.mo-preapproval-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 42px;
  padding: 34px 0 0;
  border-top: 1px solid rgba(19, 48, 86, 0.12);
}

.mo-preapproval-column h3 {
  margin: 0 0 18px;
  font-size: 28px;
  line-height: 1.2;
  color: #15345b;
}

.mo-preapproval-column .mo-check-list {
  margin: 0;
}

.mo-preapproval-note {
  max-width: 900px;
  margin: 28px auto 0;
  text-align: center;
  font-size: 17px;
  line-height: 1.85;
  color: #5a718d;
}

.mo-contact-card {
  text-align: center;
}

.mo-contact-icon,
.mo-option-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 92px;
  height: 92px;
  margin-bottom: 22px;
  border-radius: 26px;
  background: linear-gradient(180deg, #f6fafc 0%, #edf4fa 100%);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.9);
}

.mo-contact-icon img,
.mo-option-icon img {
  width: 42px;
  height: 42px;
}

.mo-contact-card h3,
.mo-tool-card h3,
.mo-option-card h3,
.mo-article-card h3,
.mo-estimate-copy h3,
.mo-resource-copy h3 {
  margin: 0 0 12px;
  font-size: 28px;
  line-height: 1.2;
}

.mo-contact-card p,
.mo-tool-card p,
.mo-option-card p,
.mo-article-card p,
.mo-award-copy p,
.mo-resource-copy p,
.mo-step p {
  margin: 0;
  font-size: 16px;
  line-height: 1.75;
}

.mo-stacked-actions {
  display: grid;
  gap: 16px;
  justify-items: center;
}

.mo-inline-link {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  color: #0c67b0;
}

.mo-inline-link::after {
  content: "\F138";
  font-family: "bootstrap-icons";
  font-size: 14px;
}

.mo-nudge-inner {
  padding: 28px 20px 34px;
  text-align: center;
  border-radius: 0;
  background: transparent;
}

.mo-nudge-inner h2 {
  margin: 0 0 14px;
  font-size: clamp(2rem, 2.8vw, 2.65rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  color: #2e3540;
}

.mo-nudge-inner p {
  margin: 0 0 10px;
  font-size: 18px;
  line-height: 1.6;
  color: #475364;
}

.mo-nudge-inner .mo-inline-link {
  gap: 6px;
  font-size: 16px;
  font-weight: 600;
  color: #0a63b0;
}

.mo-award-panel {
  display: grid;
  grid-template-columns: minmax(0, 1.65fr) minmax(220px, 320px);
  gap: 56px;
  align-items: center;
  min-height: 286px;
  padding: 26px 94px 24px;
  border-radius: 0;
  background: transparent;
}

.mo-award-copy h2,
.mo-award-copy p,
.mo-award-copy li {
  color: #fff;
}

.mo-award-copy h2 {
  margin: 0;
  font-size: clamp(2rem, 2.8vw, 2.75rem);
  line-height: 1.16;
  font-weight: 700;
}

.mo-award-divider {
  display: block;
  width: 76px;
  height: 3px;
  margin: 12px 0 18px;
  background: #ef7816;
}

.mo-award-date {
  margin-bottom: 26px;
  font-size: 18px;
  font-weight: 400;
  opacity: 0.98;
}

.mo-award-summary {
  max-width: 720px;
  margin-bottom: 22px;
  font-size: 15px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.92);
}

.mo-award-copy ul {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px 42px;
  margin: 0;
  padding: 0 0 0 20px;
  list-style: none;
}

.mo-award-copy li {
  position: relative;
  padding-left: 18px;
  font-size: 15px;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.98);
}

.mo-award-copy li::before {
  content: "•";
  position: absolute;
  left: 0;
  top: 0;
  color: #ffffff;
  font-size: 18px;
  line-height: 1.1;
}

.mo-award-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 26px;
  font-size: 16px;
  font-weight: 700;
  color: #f6b06a;
}

.mo-award-link::after {
  content: "\F138";
  font-family: "bootstrap-icons";
  font-size: 14px;
}

.mo-award-badge {
  display: flex;
  justify-content: center;
  align-self: center;
}

.mo-award-badge img {
  width: min(100%, 150px);
}

.mo-estimate-grid,
.mo-process-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 42px;
  align-items: center;
}

.mo-estimate-media,
.mo-process-media,
.mo-resource-media,
.mo-article-image {
  overflow: hidden;
  border-radius: 28px;
  box-shadow: 0 24px 58px rgba(18, 45, 79, 0.12);
}

.mo-check-list {
  display: grid;
  gap: 14px;
  margin: 24px 0 28px;
  padding: 0;
  list-style: none;
}

.mo-check-list li {
  position: relative;
  padding-left: 30px;
  font-size: 16px;
  line-height: 1.72;
  color: #4d6684;
}

.mo-check-list li::before {
  content: "\F26E";
  position: absolute;
  left: 0;
  top: 2px;
  font-family: "bootstrap-icons";
  font-size: 17px;
  color: #ef6a00;
}

.mo-tool-card {
  position: relative;
  overflow: hidden;
}

.mo-tool-card::before,
.mo-option-card::before {
  content: "";
  position: absolute;
  inset: 0 auto auto 0;
  width: 100%;
  height: 6px;
  background: linear-gradient(90deg, #0b67b2 0%, #4fa3e3 100%);
}

.mo-tool-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 72px;
  height: 72px;
  margin-bottom: 20px;
  border-radius: 22px;
  font-size: 30px;
  color: #0b67b2;
  background: #ebf4fb;
}

.mo-process {
  background: #f6f8fb;
}

.mo-process-steps {
  display: grid;
  gap: 18px;
}

.mo-step {
  padding: 24px 26px;
  border-radius: 22px;
  background: #fff;
  border: 1px solid rgba(19, 48, 86, 0.08);
}

.mo-step span {
  display: inline-flex;
  margin-bottom: 10px;
  padding: 7px 12px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #ef6a00;
  background: rgba(239, 106, 0, 0.12);
}

.mo-step h3 {
  margin: 0 0 10px;
  font-size: 23px;
}

.mo-resources-shell {
  padding: 36px;
  border-radius: 30px;
  background: #fff;
  box-shadow: 0 24px 54px rgba(18, 45, 79, 0.08);
}

.mo-accordion {
  display: grid;
  gap: 16px;
}

.mo-accordion-item {
  border: 1px solid rgba(19, 48, 86, 0.09);
  border-radius: 24px;
  overflow: hidden;
  background: #fbfcfd;
}

.mo-accordion-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 24px 26px;
  border: 0;
  background: transparent;
  font-size: 20px;
  font-weight: 700;
  color: #15345b;
  text-align: left;
}

.mo-accordion-trigger i {
  font-size: 20px;
  color: #ef6a00;
}

.mo-accordion-panel {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(260px, 360px);
  gap: 28px;
  align-items: center;
  padding: 0 26px 26px;
}

.mo-resource-copy-wide {
  grid-column: 1 / -1;
}

.mo-resource-media-illustration {
  background: linear-gradient(180deg, #f2f7fb 0%, #edf4fa 100%);
}

.mo-article-card {
  padding: 0;
  overflow: hidden;
}

.mo-article-image {
  border-radius: 0;
  box-shadow: none;
}

.mo-article-image img {
  width: 100%;
  height: 240px;
  object-fit: cover;
}

.mo-article-card h3,
.mo-article-card p,
.mo-article-card span {
  padding-left: 26px;
  padding-right: 26px;
}

.mo-article-card h3 {
  margin-top: 26px;
  font-size: 24px;
}

.mo-article-card p {
  margin-bottom: 14px;
}

.mo-article-card span {
  display: inline-block;
  padding-bottom: 28px;
  font-size: 14px;
  font-weight: 700;
  color: #0c67b0;
}

.mo-option-card {
  position: relative;
}

.mo-option-card h3 {
  font-size: 26px;
}

@media (max-width: 1199px) {
  .mo-hero {
    background-size: cover;
    background-position: center top;
  }

  .mo-award-panel,
  .mo-estimate-grid,
  .mo-process-grid,
  .mo-accordion-panel {
    grid-template-columns: 1fr;
  }

  .mo-award-copy ul {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 991px) {
  .mo-preapproval,
  .mo-estimate,
  .mo-process,
  .mo-options,
  .mo-resources {
    padding: 78px 0;
  }

  .mo-calculators,
  .mo-articles,
  .mo-award {
    padding: 72px 0;
  }

  .mo-award {
    padding: 0;
  }

  .mo-hero {
    padding-top: 28px;
  }

  .mo-preapproval-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .mo-hero-shell {
    min-height: 280px;
  }

  .mo-hero-card {
    width: min(100%, 430px);
    margin-top: 14px;
    padding: 24px 28px;
  }

  .mo-section-nav-track {
    justify-content: flex-start;
    gap: 24px;
  }

  .mo-award-copy ul {
    grid-template-columns: 1fr;
  }

  .mo-award-panel {
    gap: 28px;
    min-height: 0;
    padding: 30px 28px;
  }
}

@media (max-width: 767px) {
  .mo-hero {
    padding: 18px 0 0;
    background-position: 66% top;
  }

  .mo-hero-shell {
    min-height: 230px;
  }

  .mo-hero-card {
    width: min(100%, 340px);
    margin-top: 8px;
    padding: 20px 20px 22px;
    border-radius: 12px;
  }

  .mo-hero-divider {
    width: 84px;
    margin-top: 12px;
    margin-bottom: 10px;
  }

  .mo-section-nav {
    border-top: 1px solid rgba(19, 48, 86, 0.08);
  }

  .mo-section-nav-track {
    gap: 18px;
    padding: 0 16px;
  }

  .mo-contact-card,
  .mo-tool-card,
  .mo-option-card,
  .mo-article-card,
  .mo-award-panel,
  .mo-resources-shell {
    padding-left: 22px;
    padding-right: 22px;
  }

  .mo-award-panel {
    padding-top: 30px;
    padding-bottom: 30px;
  }

  .mo-nudge-inner {
    padding: 32px 16px 28px;
  }

  .mo-award-date {
    margin-bottom: 18px;
  }

  .mo-award-link {
    margin-top: 20px;
  }

  .mo-section-nav-track a {
    padding-top: 22px;
    padding-bottom: 18px;
    font-size: 15px;
  }

  .mo-section-nav-track a.is-cta {
    min-height: 32px;
    padding: 0 16px;
    font-size: 14px;
  }

  .mo-contact-card h3,
  .mo-tool-card h3,
  .mo-option-card h3,
  .mo-article-card h3,
  .mo-estimate-copy h3,
  .mo-resource-copy h3,
  .mo-preapproval-column h3,
  .mo-step h3 {
    font-size: 22px;
  }

  .mo-accordion-trigger {
    font-size: 17px;
    padding: 20px;
  }

  .mo-accordion-panel {
    padding: 0 20px 20px;
  }

  .mo-article-image img {
    height: 220px;
  }
}