/* =========================================================
   PREMIER POINT MORTGAGE
   MORTGAGE GUIDES & CHECKLISTS
   COMPLETE CORRECTED STYLESHEET
   ========================================================= */


/* =========================================================
   ROOT / CONTROL VARIABLES
   ========================================================= */

.ppm-mgc {
    --ppm-primary: #0D47A1;
    --ppm-navy: #0B1C33;
    --ppm-text: #0A0F18;
    --ppm-muted: #667085;
    --ppm-light: #F6F8FB;
    --ppm-white: #FFFFFF;
    --ppm-border: #DCE3EC;

    --ppm-content-width: 1500px;
    --ppm-gutter: 32px;
    --ppm-section-space: 84px;

    --ppm-intro-height: 500px;
    --ppm-intro-copy-width: 48%;
    --ppm-intro-gap: 56px;

    --ppm-cta-space: 42px;

    width: 100%;
    max-width: none;

    margin: 0;
    padding: 0;

    color: var(--ppm-text);

    font-family: inherit;
    line-height: 1.6;
}

.ppm-mgc,
.ppm-mgc *,
.ppm-mgc *::before,
.ppm-mgc *::after {
    box-sizing: border-box;
}

.ppm-mgc img {
    display: block;
    max-width: 100%;
}

.ppm-mgc h1,
.ppm-mgc h2,
.ppm-mgc h3,
.ppm-mgc p {
    margin-top: 0;
}


/* =========================================================
   INNER CONTENT WIDTH
   ========================================================= */

.ppm-mgc-section-inner,
.ppm-mgc-information-inner,
.ppm-mgc-cta-inner {
    width: min(
        calc(100% - (var(--ppm-gutter) * 2)),
        var(--ppm-content-width)
    );

    margin-left: auto;
    margin-right: auto;
}


/* =========================================================
   EYEBROWS
   ========================================================= */

.ppm-mgc-eyebrow,
.ppm-mgc-cta-eyebrow {
    margin: 0 0 14px;

    color: var(--ppm-primary);

    font-size: 12px;
    line-height: 1.3;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
}


/* =========================================================
   INTRO
   FULL WIDGET WIDTH
   ========================================================= */

.ppm-mgc-intro {
    display: grid;

    grid-template-columns:
        var(--ppm-intro-copy-width)
        minmax(0, 1fr);

    width: 100%;
    max-width: none;

    min-height: var(--ppm-intro-height);

    margin: 0;

    border-bottom: 1px solid var(--ppm-border);
}

.ppm-mgc-intro-copy {
    display: flex;
    flex-direction: column;
    justify-content: center;

    min-width: 0;

    padding-top: 60px;
    padding-bottom: 60px;

    padding-left: max(
        var(--ppm-gutter),
        calc((100% - var(--ppm-content-width)) / 2 + var(--ppm-gutter))
    );

    padding-right: var(--ppm-intro-gap);
}

.ppm-mgc-heading {
    max-width: 720px;

    margin: 0 0 24px;

    color: var(--ppm-navy);

    font-size: clamp(48px, 4.5vw, 72px);
    line-height: 0.98;
    font-weight: 700;
    letter-spacing: -0.05em;
}

.ppm-mgc-desc {
    max-width: 660px;

    margin: 0;

    color: var(--ppm-muted);

    font-size: 17px;
    line-height: 1.7;
}

.ppm-mgc-intro-image {
    width: 100%;

    height: var(--ppm-intro-height);
    min-height: var(--ppm-intro-height);

    overflow: hidden;

    background: #E3E8ED;
}

.ppm-mgc-intro-image img {
    width: 100%;
    height: 100%;

    object-fit: cover;
    object-position: center center;
}


/* =========================================================
   RESOURCE NAVIGATION
   FULL WIDGET WIDTH
   ========================================================= */

.ppm-mgc-tabs {
    display: grid;

    grid-template-columns:
        repeat(3, minmax(0, 1fr));

    width: 100%;
    max-width: none;

    margin: 0;

    padding-left: max(
        var(--ppm-gutter),
        calc((100% - var(--ppm-content-width)) / 2 + var(--ppm-gutter))
    );

    padding-right: max(
        var(--ppm-gutter),
        calc((100% - var(--ppm-content-width)) / 2 + var(--ppm-gutter))
    );

    border-bottom: 1px solid var(--ppm-border);
}

.ppm-mgc-tabs a {
    display: flex;

    min-height: 68px;

    align-items: center;
    justify-content: center;

    padding: 18px 24px;

    border-right: 1px solid var(--ppm-border);
    border-bottom: 3px solid transparent;

    color: var(--ppm-navy);

    font-size: 13px;
    line-height: 1.2;
    font-weight: 700;
    letter-spacing: 0.04em;

    text-align: center;
    text-decoration: none;
    text-transform: uppercase;

    transition:
        color 0.2s ease,
        border-color 0.2s ease,
        background-color 0.2s ease;
}

.ppm-mgc-tabs a:last-child {
    border-right: 0;
}

.ppm-mgc-tabs a:hover,
.ppm-mgc-tabs a:focus-visible {
    color: var(--ppm-primary);
    border-bottom-color: var(--ppm-primary);
}


/* =========================================================
   GENERAL CONTENT SECTIONS
   ========================================================= */

.ppm-mgc-section {
    width: 100%;

    padding-top: var(--ppm-section-space);
    padding-bottom: var(--ppm-section-space);

    scroll-margin-top: 120px;
}

.ppm-mgc-section-head {
    max-width: 850px;

    margin-bottom: 48px;
}

.ppm-mgc-section-heading {
    margin: 0 0 18px;

    color: var(--ppm-navy);

    font-size: clamp(38px, 3.8vw, 56px);
    line-height: 1.05;
    font-weight: 700;
    letter-spacing: -0.04em;
}

.ppm-mgc-section-intro {
    max-width: 780px;

    margin: 0;

    color: var(--ppm-muted);

    font-size: 16px;
    line-height: 1.7;
}


/* =========================================================
   HOMEBUYER GUIDE
   ========================================================= */

.ppm-mgc-homebuyer {
    background: var(--ppm-white);
}

.ppm-mgc-timeline {
    width: 100%;

    border-top: 1px solid var(--ppm-border);
}

.ppm-mgc-timeline-row {
    display: grid;

    grid-template-columns:
        150px
        minmax(0, 1fr);

    gap: 40px;

    padding: 34px 0;

    border-bottom: 1px solid var(--ppm-border);
}

.ppm-mgc-timeline-number {
    color: var(--ppm-primary);

    font-size: 58px;
    line-height: 0.95;
    font-weight: 700;
    letter-spacing: -0.05em;
}

.ppm-mgc-timeline-content {
    min-width: 0;
}

.ppm-mgc-timeline-content h3 {
    margin: 0 0 9px;

    color: var(--ppm-navy);

    font-size: 22px;
    line-height: 1.25;
    font-weight: 700;
}

.ppm-mgc-timeline-content p {
    max-width: 950px;

    margin: 0;

    color: var(--ppm-muted);

    font-size: 15px;
    line-height: 1.7;
}

.ppm-mgc-text-link {
    display: inline-flex;

    margin-top: 15px;

    color: var(--ppm-primary);

    font-size: 13px;
    line-height: 1.2;
    font-weight: 700;

    text-decoration: none;
    text-transform: uppercase;
}

.ppm-mgc-text-link:hover {
    text-decoration: underline;
}


/* =========================================================
   MORTGAGE CHECKLIST
   FULL WIDTH BACKGROUND
   ========================================================= */

.ppm-mgc-mortgage-checklist,
.ppm-mgc-bg-light {
    width: 100%;

    background: var(--ppm-light);
}


/* =========================================================
   PROGRESS PANEL
   ========================================================= */

.ppm-mgc-progress-panel {
    width: 100%;

    margin-bottom: 30px;

    padding: 24px 26px;

    background: var(--ppm-white);

    border: 1px solid var(--ppm-border);
}

.ppm-mgc-progress-topline {
    display: flex;

    align-items: center;
    justify-content: space-between;

    gap: 20px;

    margin-bottom: 14px;

    color: var(--ppm-navy);

    font-size: 14px;
}

.ppm-mgc-progress-topline strong {
    font-size: 15px;
    font-weight: 700;
}

.ppm-mgc-progress-bar {
    width: 100%;
    height: 8px;

    overflow: hidden;

    background: #E3E8EE;
}

.ppm-mgc-progress-fill {
    width: 0%;
    height: 100%;

    background: var(--ppm-primary);

    transition: width 0.2s ease;
}


/* =========================================================
   CHECKLIST GRID
   ========================================================= */

.ppm-mgc-checklist-grid {
    display: grid;

    grid-template-columns:
        repeat(2, minmax(0, 1fr));

    gap: 18px;

    width: 100%;
}

.ppm-mgc-checklist-category {
    min-width: 0;

    padding: 28px;

    background: var(--ppm-white);

    border: 1px solid var(--ppm-border);
}

.ppm-mgc-checklist-category h3 {
    margin: 0 0 22px;

    color: var(--ppm-navy);

    font-size: 14px;
    line-height: 1.4;
    font-weight: 700;
    letter-spacing: 0.07em;
    text-transform: uppercase;
}

.ppm-mgc-checklist-items {
    display: grid;

    gap: 14px;
}

.ppm-mgc-check-item {
    display: grid;

    grid-template-columns:
        auto
        minmax(0, 1fr);

    align-items: start;

    gap: 12px;
}

.ppm-mgc-check-input {
    width: 20px;
    height: 20px;

    margin: 2px 0 0;

    accent-color: var(--ppm-primary);

    cursor: pointer;
}

.ppm-mgc-check-item label {
    color: #435063;

    font-size: 14px;
    line-height: 1.55;

    cursor: pointer;
}

.ppm-mgc-check-input:checked + label {
    color: #9099A6;

    text-decoration: line-through;
}

.ppm-mgc-category-note {
    margin: 20px 0 0;

    padding-top: 18px;

    border-top: 1px solid var(--ppm-border);

    color: var(--ppm-muted);

    font-size: 13px;
    line-height: 1.6;
}


/* =========================================================
   CHECKLIST BUTTONS
   ========================================================= */

.ppm-mgc-checklist-controls {
    display: flex;

    flex-wrap: wrap;

    gap: 12px;

    margin-top: 28px;
}

.ppm-mgc-btn {
    display: inline-flex;

    min-height: 46px;

    align-items: center;
    justify-content: center;

    margin: 0;

    padding: 13px 22px;

    border: 1px solid var(--ppm-primary);
    border-radius: 0;

    background: var(--ppm-white);

    color: var(--ppm-primary);

    font-family: inherit;
    font-size: 12px;
    line-height: 1.2;
    font-weight: 700;

    letter-spacing: 0.04em;
    text-transform: uppercase;

    cursor: pointer;

    transition:
        background-color 0.2s ease,
        color 0.2s ease;
}

.ppm-mgc-btn:hover,
.ppm-mgc-btn:focus-visible {
    background: var(--ppm-primary);

    color: var(--ppm-white);
}


/* =========================================================
   REFINANCE
   ========================================================= */

.ppm-mgc-refinance {
    width: 100%;

    background: var(--ppm-white);
}

.ppm-mgc-refinance-grid {
    display: grid;

    grid-template-columns:
        repeat(3, minmax(0, 1fr));

    gap: 18px;

    width: 100%;
}

.ppm-mgc-refinance-stage {
    min-width: 0;

    padding: 28px;

    border: 1px solid var(--ppm-border);

    background: var(--ppm-white);
}

.ppm-mgc-stage-number {
    margin-bottom: 32px;

    color: var(--ppm-primary);

    font-size: 52px;
    line-height: 0.9;
    font-weight: 700;
    letter-spacing: -0.05em;
}

.ppm-mgc-refinance-stage h3 {
    margin: 0 0 20px;

    color: var(--ppm-navy);

    font-size: 14px;
    line-height: 1.4;
    font-weight: 700;

    letter-spacing: 0.07em;
    text-transform: uppercase;
}

.ppm-mgc-refinance-stage ul {
    margin: 0;
    padding: 0;

    list-style: none;
}

.ppm-mgc-refinance-stage li {
    position: relative;

    margin: 0 0 12px;

    padding-left: 18px;

    color: var(--ppm-muted);

    font-size: 14px;
    line-height: 1.55;
}

.ppm-mgc-refinance-stage li:last-child {
    margin-bottom: 0;
}

.ppm-mgc-refinance-stage li::before {
    content: "";

    position: absolute;

    top: 8px;
    left: 0;

    width: 5px;
    height: 5px;

    background: var(--ppm-primary);
}


/* =========================================================
   REFINANCE GOALS
   ========================================================= */

.ppm-mgc-refinance-goals {
    margin-top: 48px;

    padding-top: 34px;

    border-top: 1px solid var(--ppm-border);
}

.ppm-mgc-refinance-goals > h3 {
    margin: 0 0 20px;

    color: var(--ppm-navy);

    font-size: 14px;
    line-height: 1.3;
    font-weight: 700;
    letter-spacing: 0.07em;
}

.ppm-mgc-goal-links {
    display: grid;

    grid-template-columns:
        repeat(5, minmax(0, 1fr));

    gap: 10px;
}

.ppm-mgc-goal-links a,
.ppm-mgc-goal-links span {
    display: flex;

    min-height: 64px;

    align-items: center;
    justify-content: center;

    padding: 15px;

    border: 1px solid var(--ppm-border);

    color: var(--ppm-navy);

    font-size: 13px;
    line-height: 1.35;
    font-weight: 600;

    text-align: center;
    text-decoration: none;

    transition:
        background-color 0.2s ease,
        border-color 0.2s ease,
        color 0.2s ease;
}

.ppm-mgc-goal-links a:hover,
.ppm-mgc-goal-links a:focus-visible {
    background: var(--ppm-primary);

    border-color: var(--ppm-primary);

    color: var(--ppm-white);
}


/* =========================================================
   IMPORTANT INFORMATION
   FULL WIDTH BLACK
   ========================================================= */

.ppm-mgc-information {
    width: 100%;

    padding-top: 38px;
    padding-bottom: 38px;

    background: #0A0F18;

    color: var(--ppm-white);
}

.ppm-mgc-information-inner h2 {
    margin: 0 0 8px;

    color: var(--ppm-white);

    font-size: 22px;
    line-height: 1.2;
    font-weight: 700;
}

.ppm-mgc-information-inner p {
    max-width: 1100px;

    margin: 0;

    color: rgba(255, 255, 255, 0.74);

    font-size: 14px;
    line-height: 1.7;
}


/* =========================================================
   CTA
   FULL WIDTH BLUE
   ========================================================= */

.ppm-mgc-cta {
    width: 100%;

    padding-top: var(--ppm-cta-space);
    padding-bottom: var(--ppm-cta-space);

    background: var(--ppm-primary);

    color: var(--ppm-white);
}

.ppm-mgc-cta-inner {
    display: flex;

    align-items: center;
    justify-content: space-between;

    gap: 48px;
}

.ppm-mgc-cta-copy {
    min-width: 0;
    max-width: 780px;
}

.ppm-mgc-cta-eyebrow {
    color: rgba(255, 255, 255, 0.72);
}

.ppm-mgc-cta h2 {
    margin: 0 0 10px;

    color: var(--ppm-white);

    font-size: clamp(30px, 3vw, 42px);
    line-height: 1.08;
    font-weight: 700;
    letter-spacing: -0.035em;
}

.ppm-mgc-cta p {
    margin: 0;

    color: rgba(255, 255, 255, 0.82);

    font-size: 15px;
    line-height: 1.65;
}

.ppm-mgc-cta-actions {
    display: flex;

    flex: 0 0 auto;

    gap: 12px;
}


/* =========================================================
   CTA BUTTONS
   ========================================================= */

.ppm-mgc-btn-primary,
.ppm-mgc-btn-secondary {
    display: inline-flex;

    min-height: 50px;

    align-items: center;
    justify-content: center;

    padding: 14px 24px;

    border-radius: 0;

    font-size: 12px;
    line-height: 1.2;
    font-weight: 700;
    letter-spacing: 0.04em;

    text-decoration: none;
    text-transform: uppercase;

    transition:
        background-color 0.2s ease,
        border-color 0.2s ease,
        color 0.2s ease;
}

.ppm-mgc-btn-primary {
    background: var(--ppm-white);

    border: 1px solid var(--ppm-white);

    color: var(--ppm-primary);
}

.ppm-mgc-btn-primary:hover,
.ppm-mgc-btn-primary:focus-visible {
    background: var(--ppm-navy);

    border-color: var(--ppm-navy);

    color: var(--ppm-white);
}

.ppm-mgc-btn-secondary {
    background: transparent;

    border: 1px solid var(--ppm-white);

    color: var(--ppm-white);
}

.ppm-mgc-btn-secondary:hover,
.ppm-mgc-btn-secondary:focus-visible {
    background: var(--ppm-white);

    color: var(--ppm-primary);
}


/* =========================================================
   ACCESSIBILITY
   ========================================================= */

.ppm-mgc a:focus-visible,
.ppm-mgc button:focus-visible,
.ppm-mgc input:focus-visible {
    outline: 3px solid #5E9FFF;
    outline-offset: 3px;
}


/* =========================================================
   TABLET
   ========================================================= */

@media (max-width: 1024px) {

    .ppm-mgc {
        --ppm-gutter: 24px;
        --ppm-section-space: 70px;
    }

    .ppm-mgc-intro {
        grid-template-columns:
            var(--ppm-intro-copy-width)
            minmax(0, 1fr);
    }

    .ppm-mgc-intro-copy {
        padding-top: 48px;
        padding-bottom: 48px;
    }

    .ppm-mgc-checklist-grid {
        grid-template-columns:
            repeat(2, minmax(0, 1fr));
    }

    .ppm-mgc-refinance-grid {
        grid-template-columns: 1fr;
    }

    .ppm-mgc-goal-links {
        grid-template-columns:
            repeat(3, minmax(0, 1fr));
    }

    .ppm-mgc-cta-inner {
        align-items: flex-start;
    }
}


/* =========================================================
   MOBILE
   ========================================================= */

@media (max-width: 767px) {

    .ppm-mgc {
        --ppm-gutter: 18px;
        --ppm-section-space: 58px;
    }


    /* Intro */

    .ppm-mgc-intro {
        grid-template-columns: 1fr;

        min-height: 0;
    }

    .ppm-mgc-intro-copy {
        padding-top: 48px;
        padding-right: var(--ppm-gutter);
        padding-bottom: 34px;
        padding-left: var(--ppm-gutter);
    }

    .ppm-mgc-heading {
        font-size: clamp(40px, 11vw, 56px);
    }

    .ppm-mgc-desc {
        font-size: 16px;
    }

    .ppm-mgc-intro-image {
        height: var(--ppm-intro-height);
        min-height: 280px;
    }


    /* Navigation */

    .ppm-mgc-tabs {
        display: flex;

        padding-left: var(--ppm-gutter);
        padding-right: var(--ppm-gutter);

        overflow-x: auto;

        white-space: nowrap;

        -webkit-overflow-scrolling: touch;
    }

    .ppm-mgc-tabs a {
        flex: 0 0 auto;

        min-width: 205px;
    }


    /* Sections */

    .ppm-mgc-section-head {
        margin-bottom: 36px;
    }

    .ppm-mgc-section-heading {
        font-size: clamp(34px, 9vw, 46px);
    }


    /* Homebuyer */

    .ppm-mgc-timeline-row {
        grid-template-columns: 1fr;

        gap: 12px;

        padding: 28px 0;
    }

    .ppm-mgc-timeline-number {
        font-size: 44px;
    }


    /* Progress */

    .ppm-mgc-progress-topline {
        flex-direction: column;

        align-items: flex-start;

        gap: 6px;
    }


    /* Checklist */

    .ppm-mgc-checklist-grid {
        grid-template-columns: 1fr;
    }

    .ppm-mgc-checklist-category {
        padding: 24px 20px;
    }

    .ppm-mgc-checklist-controls {
        flex-direction: column;
    }

    .ppm-mgc-btn {
        width: 100%;
    }


    /* Refinance */

    .ppm-mgc-refinance-grid {
        grid-template-columns: 1fr;
    }

    .ppm-mgc-goal-links {
        grid-template-columns: 1fr;
    }


    /* CTA */

    .ppm-mgc-cta-inner {
        flex-direction: column;

        align-items: stretch;

        gap: 28px;
    }

    .ppm-mgc-cta-actions {
        width: 100%;

        flex-direction: column;
    }

    .ppm-mgc-btn-primary,
    .ppm-mgc-btn-secondary {
        width: 100%;
    }
}


/* =========================================================
   PRINT
   ========================================================= */

@media print {

    .ppm-mgc-intro,
    .ppm-mgc-tabs,
    .ppm-mgc-homebuyer,
    .ppm-mgc-refinance,
    .ppm-mgc-information,
    .ppm-mgc-cta,
    .ppm-mgc-checklist-controls {
        display: none;
    }

    .ppm-mgc {
        width: 100%;
        max-width: 100%;

        margin: 0;
        padding: 0;
    }

    .ppm-mgc-mortgage-checklist {
        width: 100%;

        padding: 0;

        background: #FFFFFF;
    }

    .ppm-mgc-section-inner {
        width: 100%;
        max-width: 100%;
    }

    .ppm-mgc-checklist-grid {
        grid-template-columns:
            repeat(2, minmax(0, 1fr));

        gap: 12px;
    }

    .ppm-mgc-checklist-category,
    .ppm-mgc-progress-panel {
        break-inside: avoid;

        border: 1px solid #BFC5CC;
    }
}


/* =========================================================
   REDUCED MOTION
   ========================================================= */

@media (prefers-reduced-motion: reduce) {

    .ppm-mgc *,
    .ppm-mgc *::before,
    .ppm-mgc *::after {
        transition-duration: 0.01ms;
        animation-duration: 0.01ms;
        scroll-behavior: auto;
    }
}