/* Forest and sage visual system, applied after the existing layout styles. */
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@media(prefers-reduced-motion:reduce){.home-site .program-card{transition:none}}

.heloc-feature{background:#e4eee7!important}.heloc-feature-grid{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:65px}.heloc-image img{width:100%;height:480px;object-fit:cover;border-radius:16px;display:block}.heloc-feature h2{font-size:clamp(2.2rem,3.5vw,3.2rem);line-height:1.12}.heloc-highlight{font-size:1.18rem;font-weight:600;color:#1e6942}.heloc-feature p{line-height:1.7}.heloc-benefits{padding:0;list-style:none;border-top:1px solid #c6d8cd;margin:24px 0}.heloc-benefits li{padding:12px 0;border-bottom:1px solid #c6d8cd;font-size:.9rem}.heloc-feature .action-row{align-items:center;gap:12px 20px}.heloc-feature .text-link{margin:0}.heloc-disclosure{font-size:.73rem;color:#52665a;margin:24px 0 0;line-height:1.7}.home-site .heloc-feature{background:#e4eee7!important}@media(max-width:800px){.heloc-feature-grid{gap:32px}.heloc-image img{height:450px}}@media(max-width:600px){.heloc-feature-grid{grid-template-columns:1fr;gap:30px}.heloc-image img{height:280px}.heloc-feature .action-row{align-items:flex-start}.heloc-feature .action-row .button{width:100%}.heloc-feature h2{font-size:2.35rem}}

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.footer-directory{display:grid;grid-template-columns:1fr 1fr 1.2fr;gap:35px;padding-bottom:35px;margin-bottom:30px;border-bottom:1px solid #cbd8cf}.footer-directory nav{display:flex;flex-direction:column;align-items:flex-start;gap:6px;min-width:0}.footer-directory h2{font-size:.72rem;text-transform:uppercase;letter-spacing:.13em;margin:0 0 14px;font-weight:600;color:#42564b}.footer-directory a{font-size:.8rem;text-decoration:none;min-height:30px;display:flex;align-items:center;overflow-wrap:anywhere;max-width:100%;color:#42564b}.footer-directory a:hover{text-decoration:underline}.footer-copy .site-map-nav{display:none}@media(max-width:640px){.footer-directory{grid-template-columns:1fr 1fr;gap:28px}.footer-directory nav:last-child{grid-column:1/-1}.footer-directory a{font-size:.8rem;min-height:34px}}

.footer-states{margin-bottom:30px;padding-bottom:25px;border-bottom:1px solid #cbd8cf}.footer-states h2{font-size:.7rem;letter-spacing:.13em;text-transform:uppercase;font-weight:600;color:#42564b;margin:0 0 14px}.footer-states>div{display:flex;flex-wrap:wrap;gap:8px}.footer-states a{display:inline-flex;align-items:center;justify-content:center;min-width:42px;min-height:40px;padding:8px 11px;border:1px solid #cad9d0;border-radius:8px;background:#ffffff70;color:#325440;font-size:.78rem;text-decoration:none}.footer-states a:hover,.footer-states a:focus-visible{background:#1e6942;border-color:#1e6942;color:white}.state-list li{padding:0}.state-list li>a{display:flex;align-items:center;gap:10px;min-height:48px;padding:12px 16px;text-decoration:none}.state-list li>a strong{font-size:.75rem;color:#1e6942}.state-options{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:25px 0}.state-options>a{border:1px solid #d5dfd8;border-radius:12px;background:#ffffff80;padding:20px;text-decoration:none}.state-options h3{font-size:1rem;margin:0 0 12px}.state-options p{font-size:.85rem;line-height:1.65;margin-bottom:0}.state-options>a:hover{background:white;border-color:#8aaf98}@media(max-width:650px){.state-options{grid-template-columns:1fr}.footer-states a{min-height:44px;min-width:44px}.footer-states>div{gap:7px}}

.state-page .state-hero{margin-top:-98px;min-height:640px;padding:190px 0 95px;background:linear-gradient(90deg,#15271fd4,#15271f65),linear-gradient(0deg,#15271ff0,transparent 90%),var(--state-photo) center/cover no-repeat;color:#f1f8f4;display:flex;align-items:center}.state-hero .wrap{width:min(1120px,calc(100% - 40px))}.state-page .state-hero h1{color:#f1f8f4;font-size:clamp(2.5rem,4.3vw,3.8rem);max-width:26ch;font-weight:500;line-height:1.13}.state-page .state-hero .lead{color:#e1eae4;font-size:1.1rem;max-width:800px;line-height:1.65}.state-page .state-hero .eyebrow,.state-page .state-hero .micro{color:#c8dccf}.state-hero .button.secondary{color:#f1f8f4;border-color:#c1d8c980;background:transparent}.state-hero .micro a{color:#fff}.state-page .state-hero .hero-image{display:none}.state-page .state-hero .hero-grid{display:block;min-height:0;width:min(1120px,calc(100% - 40px));margin:auto}.state-page .state-hero .hero-copy{padding:0;max-width:850px}.state-page .state-hero h1 em{color:#f1f8f4}.state-page .state-hero .text-option,.state-page .state-hero .text-option a{color:#e1eae4}@media(max-width:800px){.state-page .state-hero{margin-top:-90px;min-height:640px;padding:160px 0 75px}.state-page .state-hero h1{font-size:clamp(2.4rem,6vw,3.4rem)}}@media(max-width:560px){.state-page .state-hero{margin-top:-86px;min-height:660px;padding:145px 0 60px}.state-page .state-hero h1{font-size:2.55rem}.state-page .state-hero .lead{font-size:1rem}.state-page .state-hero .action-row{gap:12px}.state-page .state-hero .action-row .button{font-size:.88rem}.state-page .state-hero .micro{font-size:.75rem}}