/* Minimal institutional overrides while preserving the base visual language from the reference ZIP */

.brand-text{
  display:inline-block;
  padding-top: 8px;
  font-weight: 700;
  font-size: 22px;
  letter-spacing: 0.5px;
  text-transform: none;
}

.brand-text:hover{ text-decoration:none; }

.header-contact--institutional .header-contact-item{
  align-items:center;
}

.institutional-content{
  max-width: 960px;
  margin: 0 auto;
}

.institutional-content p{
  margin-bottom: 14px;
}

.institutional-list{
  margin: 10px 0 0 0;
  padding-left: 18px;
}

.institutional-list li{
  margin-bottom: 8px;
}

/* Reduce any overly promotional button emphasis for institutional use */
.btn-carousel-slider{
  text-transform:none;
  letter-spacing: 0.3px;
}

/* Framework Buttons */
.btn-framework {
    background: transparent !important;
    border: 2px solid #fff !important;
    color: #fff !important;
    font-weight: bold;
    padding: 15px 30px;
    text-transform: uppercase;
    transition: all 0.3s ease;
}
.btn-framework:hover {
    background: #fff !important;
    color: #1a237e !important;
}

/* Institutional Action Buttons (rounded, solid style) */
.btn-institutional {
    display: inline-block;
    background: #1a237e !important;
    color: #fff !important;
    font-weight: 700;
    font-size: 0.95rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 14px 32px !important;
    border-radius: 50px !important;
    border: 2px solid #1a237e !important;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(26, 35, 126, 0.3);
}
.btn-institutional:hover {
    background: #fff !important;
    color: #1a237e !important;
    box-shadow: 0 6px 20px rgba(26, 35, 126, 0.4);
    transform: translateY(-2px);
}

.btn-institutional-outline {
    display: inline-block;
    background: transparent !important;
    color: #1a237e !important;
    font-weight: 700;
    font-size: 0.95rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 14px 32px !important;
    border-radius: 50px !important;
    border: 2px solid #1a237e !important;
    transition: all 0.3s ease;
}
.btn-institutional-outline:hover {
    background: #1a237e !important;
    color: #fff !important;
    transform: translateY(-2px);
    box-shadow: 0 4px 15px rgba(26, 35, 126, 0.3);
}

/* Button group spacing */
.btn-group-institutional {
    display: flex;
    gap: 15px;
    justify-content: center;
    flex-wrap: wrap;
    margin-top: 35px;
}

/* Submenu active marker */
.sub-menu li.active > a > span {
    border-bottom: 2px solid currentColor;
}

/* Remove default red hover from menu */
.leadership_nav_area .leadership_menu > ul > li:hover > a,
.leadership_nav_area .leadership_menu > ul > li > a:hover,
.leadership_nav_area .sub-menu li > a:hover {
    color: inherit !important;
    opacity: 0.8 !important;
}

/* Contact Form Submit Button Hover */
.btn-submit-hover {
    transition: all 0.3s ease;
}
.btn-submit-hover:hover {
    background: #4a90e2 !important; /* Lighter institutional blue accent */
    color: #ffffff !important;
}

/* Hide scroll-to-top button globally */
#scrollUp {
    display: none !important;
}

/* =========================================
   RESPONSIVE & MOBILE OVERRIDES 
   ========================================= */

/* Fix MeanMenu (Mobile Nav) Span formatting & Colors */
.mean-container .mean-bar {
    background: #1a237e !important;
}

.mean-container .mean-nav ul li a span {
    display: inline !important;
    padding: 0 !important;
    background: transparent !important;
    font-size: 14px !important;
    color: inherit !important;
    border-radius: 0 !important;
    margin-left: 0 !important;
}

/* Adjust button and component padding for smaller screens */
@media (max-width: 767px) {
    .btn-framework {
        padding: 10px 15px !important;
        font-size: 13px !important;
        margin-bottom: 15px !important;
        display: block !important;
        width: 100% !important;
    }

    h2 {
        font-size: 1.8rem !important;
    }

    .institutional-content, p {
        font-size: 1rem !important;
        padding: 0 15px !important;
    }

    .row {
        margin-bottom: 40px !important; /* Reduce large gaps on mobile */
    }

    .diagram-arrows {
        padding: 0 15px !important; /* Tighter padding for mobile arrows */
    }
}

/* Fix mobile mean-bar red flash on tap/focus */
.mean-container .mean-bar, 
.mean-container .mean-bar:hover, 
.mean-container .mean-bar:active, 
.mean-container .mean-bar:focus,
.mobile-menu-area {
    background: #1a237e !important;
}

.mean-container a.meanmenu-reveal,
.mean-container a.meanmenu-reveal:hover,
.mean-container a.meanmenu-reveal:active,
.mean-container a.meanmenu-reveal:focus,
.mean-container a.meanmenu-reveal.meanclose,
.mean-container a.meanmenu-reveal.meanclose:hover,
.mean-container a.meanmenu-reveal.meanclose:active,
.mean-container a.meanmenu-reveal.meanclose:focus {
    background: transparent !important;
    color: #fff !important;
    -webkit-tap-highlight-color: transparent !important;
    outline: none !important;
}

/* Ensure tapping links doesn't flash red */
.mean-container .mean-nav ul li a:active,
.mean-container .mean-nav ul li a:focus {
    background: rgba(255,255,255,0.05) !important;
    color: inherit !important;
}

/* =========================================================
   Mortgage Modification – Visual Upgrade (NO logic changes)
   Replaces old "CALCULATOR MORTAGE" block.
   Scoped to the calculator to avoid affecting other forms.
   ========================================================= */

/* Section container spacing (only this section) */
.contact_area.white_background#mortgage-modification {
  padding: 70px 0;
}

/* Title spacing (only inside this section) */
#mortgage-modification .section-title h2 {
  letter-spacing: 0.5px;
}

/* Helper note box */
.mm-help {
  margin-top: 18px;
  background: #f8fafc;
  border: 1px solid #e5e7eb;
  border-left: 6px solid #1a237e; /* Updated to institutional blue */
  padding: 16px 16px;
  border-radius: 14px;
  line-height: 1.6;
  color: #111827;
  box-shadow: 0 10px 22px rgba(17, 24, 39, 0.06);
}

/* Form card wrapper */
#mortgage-calculator-form {
  background: #ffffff;
  border: 1px solid #e5e7eb;
  border-radius: 18px;
  padding: 22px 18px;
  box-shadow: 0 18px 40px rgba(17, 24, 39, 0.08);
}

/* Field blocks (SCOPED: affects only calculator fields) */
#mortgage-calculator-form .form_field_inner {
  background: #ffffff;
  border: 1px solid #e5e7eb;
  border-radius: 14px;
  padding: 14px 14px;
  margin-bottom: 14px;
  transition: box-shadow .15s ease, border-color .15s ease, transform .15s ease;
}

#mortgage-calculator-form .form_field_inner label {
  font-weight: 700;
  font-size: 13px;
  color: #111827;
  margin-bottom: 7px;
  display: block;
}

#mortgage-calculator-form .form_field_inner .form-subtitle {
  display: block;
  margin-top: 6px;
  font-size: 12px;
  color: #6b7280;
  line-height: 1.4;
}

/* Inputs (SCOPED) */
#mortgage-calculator-form input[type="text"] {
  width: 100%;
  height: 44px;
  border-radius: 12px;
  border: 1px solid #d1d5db;
  background: #ffffff;
  padding: 10px 12px;
  font-size: 15px;
  color: #111827;
  outline: none;
  transition: border-color .15s ease, box-shadow .15s ease;
}

#mortgage-calculator-form input[type="text"]::placeholder {
  color: #9ca3af;
}

#mortgage-calculator-form input[type="text"]:focus {
  border-color: #1a237e;
  box-shadow: 0 0 0 4px rgba(26, 35, 126, 0.12); /* Updated styling */
}

/* Disabled inputs (tax/ins toggles) */
#mortgage-calculator-form input:disabled {
  background: #f3f4f6;
  color: #6b7280;
  cursor: not-allowed;
}

/* Hover micro interaction for field blocks */
#mortgage-calculator-form .form_field_inner:hover {
  border-color: #d1d5db;
  box-shadow: 0 14px 26px rgba(17, 24, 39, 0.08);
  transform: translateY(-1px);
}

/* Readonly only inside calculator (avoid global side effects) */
#mortgage-calculator-form input[readonly] {
  background: #f8fafc;
}

/* =========================================================
   MM BLOCKS (Current / Part A / Part B / All Terms)
   ========================================================= */
.mm-block {
  margin-top: 18px;
  border-radius: 18px;
  border: 1px solid #e5e7eb;
  padding: 16px 16px;
  background: #ffffff;
  box-shadow: 0 14px 30px rgba(17, 24, 39, 0.06);
}

.mm-block__title {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  color: #111827;
  font-size: 15px;
  margin-bottom: 10px;
}

.mm-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 30px;
  height: 30px;
  border-radius: 999px;
  font-size: 14px;
  background: #111827;
  color: #ffffff;
  box-shadow: 0 10px 18px rgba(17, 24, 39, 0.18);
}

/* Notes inside blocks */
.mm-note {
  margin: 0 0 12px 0;
  color: #374151;
  line-height: 1.6;
  font-size: 13px;
}

/* Inline pill */
.mm-inline {
  margin-top: 10px;
}

.mm-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  background: #f9fafb;
  border: 1px solid #e5e7eb;
  border-radius: 999px;
  color: #111827;
  flex-wrap: wrap;
}

.mm-pill input[readonly] {
  height: auto !important;
  padding: 0 !important;
  border: none !important;
  box-shadow: none !important;
  width: auto !important;
}

/* Block variants subtle tint */
.mm-current {
  background: linear-gradient(180deg, #ffffff 0%, #fbfbfb 100%);
}

.mm-partA {
  border-left: 6px solid #1a237e; /* Institutional color update */
}

.mm-partB {
  border-left: 6px solid #4a90e2; /* Institutional color update */
}

.mm-allterms {
  border-left: 6px solid #111827;
}

/* =========================================================
   TABLE – All Terms
   ========================================================= */
.mm-allterms .table-responsive {
  border-radius: 14px;
  overflow-x: auto;
  overflow-y: hidden;
  border: 1px solid #e5e7eb;
  -webkit-overflow-scrolling: touch;
}

.mm-allterms table.table {
  margin: 0;
  background: #ffffff;
}

.mm-allterms table thead th {
  background: #1a237e; /* Institutional color update */
  color: #ffffff;
  font-weight: 800;
  font-size: 12px;
  border-color: rgba(255,255,255,0.12) !important;
}

.mm-allterms table tbody td {
  font-size: 13px;
  color: #111827;
  border-color: #e5e7eb !important;
}

.mm-allterms table tbody tr:nth-child(even) {
  background: #f9fafb;
}

/* =========================================================
   SUMMARY – Comparison Cards
   ========================================================= */
.mm-summary {
  margin-top: 22px;
  border: 1px solid #e5e7eb;
  border-radius: 18px;
  padding: 16px;
  background: #ffffff;
  box-shadow: 0 16px 34px rgba(17, 24, 39, 0.08);
}

.mm-summary__title {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 900;
  color: #111827;
  font-size: 15px;
  margin-bottom: 14px;
}

.mm-summary__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.mm-summary__card {
  border-radius: 16px;
  padding: 14px 14px;
  border: 1px solid #e5e7eb;
  background: #f9fafb;
}

.mm-summary__label {
  font-size: 12px;
  font-weight: 800;
  color: #374151;
  margin-bottom: 8px;
}

.mm-summary__big {
  font-size: 20px;
  font-weight: 900;
  color: #111827;
  margin: 0 0 4px 0;
}

.mm-summary__small {
  font-size: 13px;
  color: #6b7280;
  margin: 0;
}

.mm-summary__card--red {
  background: linear-gradient(180deg, #fff 0%, #fff5f5 100%);
  border-left: 6px solid #1a237e; /* Updated */
}

.mm-summary__card--green {
  background: linear-gradient(180deg, #fff 0%, #f0fdf4 100%);
  border-left: 6px solid #4a90e2; /* Updated */
}

/* Disclaimer */
.mm-disclaimer {
  margin-top: 12px;
  padding: 12px 12px;
  border-radius: 14px;
  background: #f8fafc;
  border: 1px dashed #cbd5e1;
  color: #374151;
  font-size: 12.5px;
  line-height: 1.6;
}

/* Reset button */
.mm-btnrow {
  margin-top: 14px;
  display: flex;
  justify-content: flex-end;
}

.mm-reset-btn {
  border: none;
  border-radius: 12px;
  padding: 10px 14px;
  font-weight: 900;
  background: #1a237e; /* Updated */
  color: #ffffff;
  cursor: pointer;
  transition: transform .12s ease, box-shadow .12s ease, opacity .12s ease;
}

.mm-reset-btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 14px 26px rgba(26, 35, 126, 0.22); /* Updated */
}

.mm-reset-btn:active {
  transform: translateY(0px);
  opacity: 0.95;
}

/* =========================================================
   Responsive
   ========================================================= */
@media (max-width: 991px) {
  #mortgage-calculator-form {
    padding: 18px 14px;
  }
  .mm-summary__grid {
    grid-template-columns: 1fr;
  }
}

/* =========================================================
   Tax / Insurance toggle cards – CLEAN (single source)
   ========================================================= */

#mortgage-calculator-form .mm-field-card{
  background:#ffffff;
  border:1px solid #e5e7eb;
  border-radius:14px;
  padding:14px;
  margin-bottom:14px;
}

/* Header: text on the left, toggle on the right */
#mortgage-calculator-form .mm-field-head{
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:14px;
  margin-bottom:10px;
}

#mortgage-calculator-form .mm-field-head > div{
  flex:1 1 auto;
  min-width:0;
}

#mortgage-calculator-form .mm-field-label{
  font-weight:800;
  font-size:13px;
  color:#111827;
  line-height:1.25;
  margin:0 0 6px 0;
}

#mortgage-calculator-form .mm-field-head .form-subtitle{
  display:block;
  font-size:12px;
  color:#6b7280;
  line-height:1.35;
  margin:0;
}

/* Toggle switch */
#mortgage-calculator-form .mm-switch{
  position:relative;
  width:46px;
  height:26px;
  flex:0 0 auto;
  margin-top:2px;
}

#mortgage-calculator-form .mm-switch input{
  opacity:0;
  width:0;
  height:0;
}

#mortgage-calculator-form .mm-slider{
  position:absolute;
  inset:0;
  background:#e5e7eb;
  border-radius:999px;
  cursor:pointer;
  transition:all .2s ease;
  box-shadow:inset 0 0 0 1px rgba(0,0,0,.06);
}

#mortgage-calculator-form .mm-slider:before{
  content:"";
  position:absolute;
  height:20px;
  width:20px;
  left:3px;
  top:3px;
  background:#ffffff;
  border-radius:50%;
  transition:all .2s ease;
  box-shadow:0 6px 14px rgba(17,24,39,.18);
}

#mortgage-calculator-form .mm-switch input:checked + .mm-slider{
  background:#1a237e; /* Updated */
}

#mortgage-calculator-form .mm-switch input:checked + .mm-slider:before{
  transform:translateX(20px);
}

#mortgage-calculator-form .mm-switch input:focus + .mm-slider{
  box-shadow:0 0 0 4px rgba(26, 35, 126, 0.12); /* Updated */
}

#mortgage-calculator-form .mm-switch input:disabled + .mm-slider{
  opacity:.55;
  cursor:not-allowed;
}

/* Mobile: keep it tidy */
@media (max-width: 991px){
  #mortgage-calculator-form .mm-field-head{
    align-items:flex-start;
  }
}

/* =========================
   FIX REAL DEL MENU DESKTOP
   ========================= */

.leadership_nav_area .container {
  max-width: 1440px;
  width: 100%;
}

.leadership_menu > ul.main-nav {
  display: flex;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
  gap: 18px;
  margin: 0;
  padding: 0;
  list-style: none;
  white-space: normal;
  text-align: center;
}

.leadership_menu > ul.main-nav > li {
  display: block;
  position: relative;
}

.leadership_menu > ul.main-nav > li > a {
  display: block;
  margin: 0;
  padding: 24px 0;
  color: #fff;
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.2px;
  white-space: nowrap;
}

.leadership_menu > ul.main-nav > li:last-child > a {
  margin-right: 0;
}

/* evita que los estilos de submenu afecten al menu principal */
.leadership_menu > ul.main-nav > li > a span {
  display: inline;
  padding: 0;
  margin: 0;
  background: transparent;
  color: inherit;
  font-size: inherit !important;
  border-radius: 0;
}

/* activo */
.leadership_menu > ul.main-nav > li.active > a span {
  border-bottom: 2px solid currentColor;
  padding-bottom: 2px;
}

/* desktop más apretado */
@media (max-width: 1399px) {
  .leadership_menu > ul.main-nav {
    gap: 14px;
  }

  .leadership_menu > ul.main-nav > li > a {
    font-size: 12px;
  }
}

@media (max-width: 1199px) {
  .leadership_menu > ul.main-nav {
    gap: 10px;
  }

  .leadership_menu > ul.main-nav > li > a {
    font-size: 11px;
  }
}

/* =========================================================
   FIX FOR ORIGINAL MORTGAGE SPLIT DIAGRAM
   ========================================================= */
.split-diagram-box {
  background: #1a237e;
  color: #fff;
  padding: 40px;
  border-radius: 8px;
  text-align: center;
}
.split-text-wrap {
  font-size: 1.25rem;
  white-space: nowrap;
  margin-top: 10px;
}
@media (max-width: 576px) {
  .split-diagram-box {
    padding: 30px 10px !important;
  }
  .split-text-wrap {
    font-size: 1.1rem !important;
    white-space: normal !important;
  }
}

/* =========================================================
   RESPONSIVE BUTTONS FOR WHY MATTERS & SECONDARY MARKET
   ========================================================= */
@media (max-width: 576px) {
  .btn-institutional,
  .btn-institutional-outline {
    padding: 12px 24px !important;
    font-size: 0.85rem !important;
    width: 100%;
    text-align: center;
  }
  
  .btn-group-institutional {
    flex-direction: column;
    gap: 12px;
  }
}

@media (max-width: 768px) and (min-width: 577px) {
  .btn-institutional,
  .btn-institutional-outline {
    padding: 12px 24px !important;
    font-size: 0.9rem !important;
  }
}