/* v4 section design: colors, badges, hub hero, article band, local split, cards */
body{--sc:#1A2B3C;--scd:#1F5C63;--sct:#EEF1F4}
body[data-section=va]{--sc:#A3262A;--scd:#7E1D20;--sct:#F8E9E9}
body[data-section=fha]{--sc:#1F5FA8;--scd:#174A84;--sct:#E7EFF8}
body[data-section=usda]{--sc:#2E7D4F;--scd:#22603C;--sct:#E6F2EA}
body[data-section=conv]{--sc:#1E3A5F;--scd:#15293F;--sct:#E8EEF5}
body[data-section=dscr]{--sc:#C9611A;--scd:#A24C12;--sct:#FBEEE4}
body[data-section=notax]{--sc:#5B3A9E;--scd:#472C7D;--sct:#EFEAF7}
body[data-section=fn]{--sc:#94660A;--scd:#74500A;--sct:#F7F0E1}

/* badges */
.v4badge{display:inline-flex;align-items:center;justify-content:center;flex:none;width:max-content;background:var(--sc);color:#fff;font:800 22px/1 Inter,Arial,sans-serif;letter-spacing:.03em;text-transform:uppercase;text-align:center}
.v4badge.two{font-size:13px;line-height:1.1;letter-spacing:.05em}
.v4hub .v4badge{min-width:64px;height:64px;padding:0 10px;border-radius:14px;border:3px solid rgba(255,255,255,.9);box-shadow:0 8px 22px rgba(0,0,0,.25);margin-bottom:18px}
.v4hub .v4badge.two{padding:0 14px}
.v4band .v4badge,.v4local .v4badge{min-width:44px;height:44px;padding:0 9px;border-radius:10px;font-size:15px}
.v4band .v4badge.two,.v4local .v4badge.two{font-size:10.5px;padding:0 10px}
.v4mini{display:inline-flex;align-items:center;height:22px;padding:0 8px;border-radius:6px;color:#fff;font:800 11px/1 Inter,Arial,sans-serif;letter-spacing:.05em;text-transform:uppercase;white-space:nowrap;margin:0 8px 6px 0;vertical-align:middle;width:max-content}
.v4mini[data-s=va]{background:#A3262A}.v4mini[data-s=fha]{background:#1F5FA8}.v4mini[data-s=usda]{background:#2E7D4F}.v4mini[data-s=conv]{background:#1E3A5F}.v4mini[data-s=dscr]{background:#C9611A}.v4mini[data-s=notax]{background:#5B3A9E}.v4mini[data-s=fn]{background:#94660A}

/* hub hero: full width photo, true colors, neutral fade */
.pagehero.v4hub{position:relative;overflow:hidden;color:#fff;background:#0B1B2B;min-height:clamp(460px,62vh,640px);display:flex;align-items:center;padding:64px 0;border-bottom:8px solid var(--sc)}
.v4hub .v4bg{position:absolute;inset:0;background-image:var(--img-l);background-size:cover;background-position:center 55%;background-repeat:no-repeat}
.v4hub::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,rgba(8,14,20,.80) 0%,rgba(8,14,20,.50) 42%,rgba(8,14,20,.04) 78%)}
.v4hub>.wrap{position:relative;z-index:2;width:min(var(--max),calc(100% - 40px))}
.v4hub h1{color:#fff;max-width:780px}
.v4hub .lede{color:#EEF2F5;max-width:640px}
.v4hub .eyebrow{color:#fff;border-left:4px solid var(--sc);padding-left:10px}
.v4hub .byline,.v4hub .byline a{color:#DDE5EA}
.v4hub .v4tag{font-family:'Instrument Serif',Georgia,serif;font-size:clamp(22px,2.4vw,30px);line-height:1.2;color:#fff;margin:4px 0 0;max-width:720px}
.v4hub .jump a{color:#fff}
.v4hub .btn{background:#F4B63A;border-color:#F4B63A;color:#0B1B2B}
.v4hub .btn:hover{background:#E9A91F;border-color:#E9A91F}
.v4hub .btn.secondary{background:transparent;color:#fff;border-color:#fff}
.v4hub .btn.secondary:hover{background:rgba(255,255,255,.12)}
.v4hub+.wrap>.pic-hero{display:none}

/* article band */
.pagehero.v4band{background:var(--sct);border-bottom:6px solid var(--sc);padding:30px 0 34px}
.v4band>.wrap.v4grid{display:grid;grid-template-columns:auto minmax(0,1fr);gap:20px;align-items:start}
.v4band .v4badge{margin-top:6px}
.v4band .eyebrow{color:var(--scd)}
.v4band h1{font-size:clamp(38px,4.4vw,58px);margin:8px 0 14px}
.v4band .lede{font-size:19px}

/* local split */
.pagehero.v4local{background:var(--lt,#EEF1F4);border-bottom:6px solid var(--sc);padding:30px 0 36px}
.v4local>.wrap{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:40px;align-items:center}
.v4local>.wrap.nofig{grid-template-columns:1fr}
.v4local .v4fig{margin:0}
.v4local .v4fig img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:20px;box-shadow:0 18px 40px rgba(11,27,43,.18)}
.v4local .v4fig figcaption{font-size:12px;color:#6a747a;margin-top:6px}
.v4local .eyebrow{color:var(--scd)}
.v4local h1{font-size:clamp(36px,4.2vw,56px)}
.v4local .v4badge{margin-bottom:12px}

/* section color through the page */
body:not([data-section=general]):not([data-section=local]) .kicker,body:not([data-section=general]):not([data-section=local]) .card small,body:not([data-section=general]):not([data-section=local]) .relcard small{color:var(--scd)}
body:not([data-section=general]):not([data-section=local]) .article blockquote{border-left-color:var(--sc)}
body:not([data-section=general]):not([data-section=local]) .article a:not(.btn):not(.link):not(.relcard),body:not([data-section=general]):not([data-section=local]) .card .link{color:var(--scd)}
.article .pic-hero{margin:28px 0 30px}.article .pic-hero img{aspect-ratio:16/9;object-fit:cover;border-radius:20px;width:100%}
.article .pic-hero figcaption{font-size:12px;color:#6a747a;margin-top:6px}

/* cards: white, no outlines, soft shadow */
.card,.relcard,.promise div{background:#fff;border:0;box-shadow:0 8px 24px rgba(11,27,43,.06)}
.card:hover,.relcard:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(11,27,43,.12)}
.relcard{transition:transform .15s ease,box-shadow .15s ease}
.card .v4mini,.relcard .v4mini{align-self:flex-start}

/* why people choose block */
.v4why{display:grid;grid-template-columns:1fr 1fr;gap:0;background:#fff;border-radius:24px;overflow:hidden;box-shadow:0 10px 30px rgba(11,27,43,.08);margin:10px 0}
.v4why img{width:100%;height:100%;min-height:320px;object-fit:cover}
.v4why .t{padding:32px 34px}
.v4why .t h2{margin-top:0}

@media(max-width:850px){
 .pagehero.v4hub{min-height:auto;padding:46px 0 40px}
 .v4hub .v4bg{background-image:var(--img-s,var(--img-l))}
 .v4hub::before{background:linear-gradient(180deg,rgba(8,14,20,.38) 0%,rgba(8,14,20,.82) 100%)}
 .v4hub .v4badge{min-width:50px;height:50px;font-size:17px;border-radius:12px}
 .v4hub .v4badge.two{font-size:11px}
 .v4band>.wrap.v4grid{grid-template-columns:1fr;gap:6px}
 .v4band .v4badge{margin-top:0}
 .v4local>.wrap{grid-template-columns:1fr;gap:20px}
 .v4local .v4fig{order:-1}
 .v4why{grid-template-columns:1fr}.v4why img{min-height:220px}.v4why .t{padding:22px}
}
.v4badge.loc{font-size:12px;letter-spacing:.06em;padding:0 12px;min-width:0}
.v4facts{padding-top:44px}
.v4factgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:34px}
.v4fact{min-height:0;padding:20px}.v4fact h3{font:700 18px/1.3 Inter,Arial,sans-serif;color:var(--scd);margin:0 0 6px}.v4fact p{font-size:15px;margin:0;color:var(--charcoal)}
.v4fact:hover{transform:none;box-shadow:0 8px 24px rgba(11,27,43,.06)}
@media(max-width:850px){.v4factgrid{grid-template-columns:1fr 1fr}}
.v4local .v4badge{color:var(--bt,#fff)}
.v4mapwrap{padding-top:26px}.v4mapwrap .flmap{max-width:460px;margin:0 auto}
.v4local .v4fig img{aspect-ratio:3/2}

.relgrid2>*{min-width:0}.relcard img{max-width:100%;height:auto}