/* ReadMe Mortgage: California field guide. Shared, responsive editorial layer. */
:root{--primary:#244a38;--navy:#193d2e;--ink:#22392c;--body:#404b40;--text:#354338;--muted:#687263;--bg:#faf7ef;--surface:#fffdf8;--card:#fffdf8;--bg-alt:#edf0e5;--section:#edf0e5;--accent:#bb784b;--accent-deep:#875131;--accent-soft:#eee3d0;--line:#dedfce;--border:#dedfce;--line-dark:#b9c4ad;--maxw:1180px}
body{background:var(--bg);line-height:1.75}a{text-decoration-thickness:1px;text-underline-offset:4px}a:hover{text-decoration-thickness:2px}
h1,h2,h3{letter-spacing:-.035em}h1{line-height:1.08}h2{line-height:1.2}p{text-wrap:pretty}
.wrap{width:min(1180px,calc(100% - 64px));max-width:1180px;padding-inline:0}
.site-header{background:rgba(250,247,239,.97);border-top:4px solid var(--primary);border-bottom:1px solid var(--line)}
.site-header .wrap{min-height:92px;padding:14px 0;gap:24px}.brand-icon{width:54px;height:54px}.wordmark{font-size:27px;letter-spacing:-1px}.wordmark small{font-size:8px;letter-spacing:2px!important;margin-top:8px}
.site-nav{gap:4px}.site-nav a{font-size:12px;font-weight:500;padding:9px 11px;border-radius:5px}.site-nav a[aria-current=page]{background:var(--accent-soft)}.site-nav a.nav-cta{padding:11px 16px;border-radius:5px}.site-nav .phone-link{font-size:11px}
.rate-watch{background:var(--navy);padding:9px 0}.rate-watch__inner{max-width:1180px;gap:15px}.rate-watch__label{color:#f1d2a7;letter-spacing:.16em}.rate-watch__edu{color:#f0d0a5}.rate-watch__meta{opacity:1;color:#e5eadf}
main>.short-version{width:min(1180px,calc(100% - 64px));max-width:1180px;margin:30px auto 0;display:grid;grid-template-columns:140px minmax(0,1fr);gap:24px;padding:24px 30px;background:#eef0e5;border:1px solid #d9decc;border-left:4px solid var(--accent);border-radius:4px 16px 16px 4px;box-shadow:0 8px 24px #244a3804}
.short-version h2,.short-version h3{font-family:var(--font-body);font-size:10px!important;font-weight:600;letter-spacing:.14em;text-transform:uppercase;line-height:1.6;margin:2px 0 0;color:var(--primary)}
.short-version h2::before,.short-version h3::before{content:'';display:block;width:26px;height:2px;background:var(--accent);margin-bottom:9px}.short-version p{font-size:14px;line-height:1.8;color:#42533e;max-width:92ch}
.hero{border-bottom:1px solid var(--line);padding:64px 0 76px;position:relative;background:radial-gradient(ellipse at 95% 20%,#e8ebdc80,transparent 58%),var(--bg)}
.oak-hero .wrap{grid-template-columns:minmax(0,1.22fr) minmax(0,1fr);gap:70px}.oak-hero h1{font-size:clamp(38px,4.5vw,64px);letter-spacing:-2.2px;line-height:1.08;margin:22px 0}.oak-hero h1 .accent-i{color:var(--accent-deep)}
.hero .brand-descriptor{font-size:11px;letter-spacing:.015em;color:var(--muted);margin-bottom:20px}.hero .eyebrow{font-size:9px;letter-spacing:.16em;color:var(--primary);margin-bottom:14px}.hero .lede{font-size:15px;line-height:1.9;max-width:54ch}
.hero .chip{font-size:10px;border:1px solid #bfcbb6;background:#eef0e5;color:var(--primary);padding:5px 10px;letter-spacing:.03em}
.hero-badges{border-top:1px solid var(--line);padding-top:18px;margin-top:24px;gap:17px}.hero-badges .chip{border:0;background:transparent;padding:0;font-size:10px;color:var(--muted)}.hero-badges .chip::before{content:'✓';color:var(--primary);margin-right:6px}
.oak-hero-art{position:relative;padding:0 14px}.home-illustration{position:relative;max-width:410px;margin:auto}.oak-hero-art .home-illustration>img{border-radius:0;mix-blend-mode:normal;filter:drop-shadow(0 15px 20px #244a3808)}
.art-seal{position:absolute;right:-12px;bottom:34px;border-radius:50%;padding:8px;background:var(--bg);box-shadow:0 4px 16px #193d2e15;transform:rotate(10deg)}.oak-hero-art .art-seal img{width:72px;display:block;mix-blend-mode:normal}
.oak-hero-art p{font-size:23px;margin:21px 0 1px}.art-caption{font-size:9px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.btn{border-radius:5px;padding:12px 20px;font-size:12px;letter-spacing:.01em;box-shadow:0 3px 0 #122a1d0d;transition:background .18s,transform .18s}.btn:hover{background:#315c43;transform:translateY(-2px);opacity:1}.btn-ghost:hover{background:var(--accent-soft)}
.section{padding:76px 0}.section h2{font-size:clamp(28px,3.2vw,42px);max-width:680px}.section>.wrap>p{max-width:66ch;color:var(--muted);font-size:15px}.section>.wrap>h2::before{content:'';display:block;width:34px;height:3px;background:var(--accent);margin-bottom:20px}.section.alt{background:var(--bg-alt)}
.grid{gap:22px;margin-top:28px;grid-template-columns:repeat(auto-fit,minmax(min(100%,270px),1fr))}.card{position:relative;padding:28px;border:1px solid var(--line);border-radius:10px;background:var(--surface);box-shadow:0 4px 12px #244a3803;transition:transform .18s,box-shadow .18s,border-color .18s}.card:has(a):hover{transform:translateY(-4px);border-color:#a6b49b;box-shadow:0 14px 25px #244a380b}
.card h3{font-size:25px;line-height:1.2;letter-spacing:-.025em}.card p{font-size:14px;line-height:1.8}.card .card-link{font-size:11px;font-weight:600;letter-spacing:.02em;display:inline-block;margin-top:6px}.card .card-link::after{content:' ↗';display:inline-block;margin-left:9px}.section.alt .card{border-top:3px solid var(--accent)}
main:has(.oak-hero)>.section:first-of-type+.section .card{background:transparent}
.prose{width:min(740px,calc(100% - 48px));max-width:740px;padding-top:58px;padding-bottom:64px;font-size:16px;line-height:1.9}.prose h1{font-size:clamp(35px,4.5vw,57px);max-width:19ch;margin:18px 0 22px}.prose h2{font-size:30px;margin-top:44px;margin-bottom:18px}.prose h3{font-size:23px}.prose .lead{font-size:19px;line-height:1.7;color:#56624f;border-left:2px solid var(--accent);padding-left:20px;margin:28px 0}
.breadcrumb{font-size:10px!important;letter-spacing:.02em;color:var(--muted)}.breadcrumb a{text-decoration:none}.guide-meta{font-size:11px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:20px;margin-bottom:30px}.prose .chip{font-size:10px;background:var(--accent-soft);border:0;color:var(--accent-deep);border-radius:4px;letter-spacing:.04em}
.prose li{padding-left:5px;margin-bottom:10px}.prose ul li::marker,.prose ol li::marker{color:var(--accent-deep)}.prose .grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.prose .card{padding:23px}.prose .card h3{font-size:23px;margin-top:0}.prose .card p{font-size:13px}
.worked-example{background:var(--surface)!important;border:1px solid var(--line)!important;border-top:3px solid var(--accent)!important;border-radius:10px!important;padding:26px!important;margin:35px 0}.worked-example h3{margin-top:0}.prose table{font-size:13px;border-collapse:collapse;width:100%;margin:24px 0}.prose th,.prose td{border-bottom:1px solid var(--line);padding:12px 10px}.prose tr:nth-child(even){background:#edf0e54d}
.faq{margin-top:26px}.faq details{border:0;border-bottom:1px solid #cfd6c5;border-radius:0;background:transparent;padding:0;box-shadow:none;margin:0}.faq summary{position:relative;list-style:none;padding:22px 38px 22px 0;font-size:20px;letter-spacing:-.02em}.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:'+';position:absolute;right:3px;top:19px;font-family:var(--font-body);font-weight:400;color:var(--accent-deep);font-size:25px}.faq details[open] summary::after{content:'−'}.faq details p{padding:0 36px 20px 0;font-size:14px;line-height:1.85;color:var(--body)}
.payment-calculator{background:#edf0e5;border:1px solid #cfd8c5;border-top:4px solid var(--primary);border-radius:12px;padding:28px}.payment-calculator h2{margin-top:0;font-size:30px}.payment-calculator>p{font-size:13px}.payment-inputs{gap:20px}.payment-inputs label{font-size:12px}.payment-inputs input,.payment-inputs select{font-size:16px;background:#fffdf8;border-color:#b9c5af;border-radius:5px;min-height:48px}.payment-results{padding:20px;background:var(--surface);border:1px solid var(--border);border-radius:8px}.payment-results dl>div{font-size:13px;padding:11px 0}.payment-total{background:var(--primary);color:#fff8e8;margin:20px -5px -5px;padding:20px;border-radius:5px;font-size:11px;letter-spacing:.02em}.payment-total output{display:inline-block;margin-top:7px;font-family:var(--font-heading);font-size:40px}.calculator-disclaimer{margin-top:20px;margin-bottom:0}
.site-footer{background:#193d2e;color:#edf0e5;border-top:5px solid #b98a58;padding:64px 0 25px}.site-footer>.wrap:first-child{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:70px}.site-footer h3{color:#dec49d;font-size:10px;letter-spacing:.18em}.site-footer p,.site-footer li,.site-footer nav a{font-size:12px;line-height:1.8}.site-footer a{color:#edf0e5}.site-footer .brand{margin-bottom:12px}.site-footer .brand-icon{width:44px;height:44px}.site-footer .wordmark{font-size:24px}.site-footer nav a:hover{text-decoration:underline;color:#efd1a8}.site-footer .footer-bottom{border-top-color:#44604b;padding-top:22px;margin-top:40px}.site-footer .disclaimer{color:#ced8c6;font-size:11px;max-width:none}
#vm-launch{background:var(--primary);border-color:#b5bf9c;border-radius:9px 9px 3px 9px;font-size:11px;box-shadow:0 6px 22px #193d2e28}
@media(min-width:1101px){.site-nav{display:flex}.nav-toggle{display:none}}
@media(max-width:1100px){.site-header .wrap{min-height:82px}.nav-toggle{border-radius:6px}.site-nav{padding:12px 0 6px;border-top:1px solid var(--line)}.site-nav.open{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:7px}.site-nav a{padding:12px}.site-nav a.nav-cta{text-align:center}.oak-hero .wrap{gap:35px}.oak-hero h1{font-size:clamp(36px,4.8vw,56px)}}
@media(max-width:700px){.wrap{width:calc(100% - 40px);padding:0}.site-header .wrap{gap:8px;min-height:78px;padding:12px 0}.site-header .brand-icon{width:44px;height:44px}.site-header .wordmark{font-size:22px}.site-header .wordmark small{font-size:7px!important;letter-spacing:1.2px!important}.site-header .nav-toggle{min-width:42px;width:42px;min-height:42px}
.rate-watch{padding:11px 0}.rate-watch__inner{gap:5px;padding:0 20px}.rate-watch__rates{font-size:12px}.rate-watch__meta{font-size:10px;line-height:1.6;text-align:center}.rate-watch__label{font-size:9px}
main>.short-version{width:calc(100% - 40px);display:block;padding:18px 20px;margin-top:22px;border-radius:4px 12px 12px 4px}.short-version h2,.short-version h3{display:flex;align-items:center;gap:10px;margin:0 0 9px;font-size:9px!important}.short-version h2::before,.short-version h3::before{width:20px;flex:none;margin:0}.short-version p{font-size:12px;line-height:1.85}
.hero{padding:36px 0 46px}.oak-hero .wrap{display:flex;flex-direction:column;gap:38px;align-items:stretch}.oak-hero h1{font-size:clamp(36px,9.5vw,52px);letter-spacing:-1.4px}.hero .brand-descriptor{font-size:10px;margin-bottom:16px}.hero .eyebrow{font-size:8px}.hero .lede{font-size:14px}.hero-badges{gap:10px 14px}.hero-badges .chip{font-size:9px}.oak-hero-art{display:block;text-align:center;padding:0 22px}.home-illustration{max-width:290px}.oak-hero-art .home-illustration>img{width:100%}.oak-hero-art .art-seal img{width:58px}.art-seal{right:-5px;bottom:22px;padding:6px}.oak-hero-art p{font-size:22px;margin:18px 0 0}.art-caption{font-size:8px}
.section{padding:46px 0}.section h2{font-size:31px}.section>.wrap>p{font-size:14px}.grid{gap:16px;margin-top:24px}.card{padding:25px}.card h3{font-size:25px}.section.alt .grid{grid-template-columns:1fr}.btn{font-size:11px;padding:12px 18px}
.prose{width:calc(100% - 40px);font-size:15px;padding-top:35px;padding-bottom:45px;line-height:1.85}.prose h1{font-size:37px;letter-spacing:-1.3px}.prose h2{font-size:27px;margin-top:35px}.prose .lead{font-size:17px;padding-left:15px}.guide-meta{font-size:10px}.prose .grid{grid-template-columns:1fr}.worked-example{padding:15px!important}.prose th,.prose td{font-size:11px;padding:10px 6px}.faq summary{font-size:19px;padding-top:19px;padding-bottom:19px}.faq details p{font-size:13px;padding-right:10px}
.payment-calculator{padding:16px}.payment-calculator h2{font-size:27px}.payment-inputs{grid-template-columns:1fr}.payment-results{padding:13px}.payment-results dl>div{font-size:11px;gap:8px}.payment-total{padding:16px;margin:16px -3px -3px}.payment-total output{font-size:34px}.payment-calculator .calculator-disclaimer{font-size:11px}
.site-footer{padding:44px 0 95px}.site-footer>.wrap:first-child{grid-template-columns:1fr;gap:28px}.site-footer>.wrap:first-child>div:first-child{border-color:#44604b}.site-footer .footer-bottom{margin-top:28px}.site-footer nav a{font-size:12px}.site-footer>.wrap:first-child>div:last-child ul{column-gap:18px}.site-footer .disclaimer{line-height:1.8}#vm-launch{bottom:14px;right:14px}
}
@media(max-width:360px){.site-header .wordmark{font-size:19px}.site-header .brand-icon{width:38px;height:38px}.site-header .brand{gap:6px}.site-header .wordmark small{font-size:6px!important}.oak-hero h1{font-size:34px}}
@media(prefers-reduced-motion:reduce){.btn,.card{transition:none}.btn:hover,.card:has(a):hover{transform:none}}

.about-portrait{float:right;width:168px;margin:4px 0 24px 32px}.about-portrait img{display:block;width:168px;height:190px;object-fit:cover;border-radius:85px 85px 8px 8px;border:1px solid var(--line);filter:saturate(.8)}.about-portrait figcaption{font-size:10px;line-height:1.7;margin-top:12px;color:var(--primary);font-weight:600}.about-portrait figcaption span{font-weight:400;color:var(--muted)}.prose:has(.about-portrait)::after{content:'';display:block;clear:both}
@media(max-width:600px){.about-portrait{float:none;width:120px;margin:25px 0}.about-portrait img{width:120px;height:140px}.about-portrait figcaption{font-size:9px}}

.coming-soon{display:grid;grid-template-columns:1fr 1.15fr;gap:64px;padding:48px 0 54px;margin-top:15px;border-top:1px solid var(--line)}.coming-soon h2{font-size:clamp(28px,3vw,39px);line-height:1.2;margin:0}.coming-soon .eyebrow{font-size:9px;color:var(--accent-deep)}.coming-soon p{font-size:14px;line-height:1.8}.coming-soon .small{font-size:11px;color:var(--muted)}
@media(max-width:700px){.coming-soon{grid-template-columns:1fr;gap:22px;padding:34px 0 40px}.coming-soon h2{font-size:30px}.coming-soon p{font-size:13px}}