/* MortgageInfo.us 2026 redesign ("v2"): editorial news-magazine homepage. Condensed display headlines (Oswald),
   serif decks (Source Serif 4), Inter for UI, orange as the accent. Loaded after site.css only on pages built with
   layout(skin="v2"); rules are scoped to body.v2 or use s-/e- class prefixes.
   Contrast (WCAG AA): ink #111318, soft #464c57 and link/meta orange #a8380a all pass 4.5:1 on #ffffff and #f4f3ef;
   buttons and the orange pill use near-black text on #ff6b1a (about 7:1). */
:root{
  --e-bg:#ffffff; --e-alt:#f4f3ef; --e-line:#dddad2; --e-ink:#111318; --e-soft:#464c57;
  --e-or:#ff6b1a; --e-or-ink:#a8380a; --e-dark:#111318;
  --e-sans:"Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --e-disp:"Oswald", "Arial Narrow", "Roboto Condensed", Impact, sans-serif;
  --e-serif:"Source Serif 4", Georgia, "Times New Roman", serif;
}
body.v2{background:var(--e-bg);color:var(--e-ink);font-family:var(--e-sans);font-size:1.125rem;line-height:1.6;overflow-x:hidden}
.v2 h1,.v2 h2,.v2 h3{color:var(--e-ink);line-height:1.15}
.v2 p{max-width:70ch}
.v2 a{color:var(--e-or-ink);text-decoration-thickness:1px;text-underline-offset:3px}
.v2 a:hover{color:var(--e-ink)}
.v2 :focus-visible{outline:3px solid var(--e-or);outline-offset:2px;border-radius:4px}
.s-wrap,.e-wrap{max-width:1240px;margin:0 auto;padding:0 1.5rem}
.e-narrow{max-width:880px}

/* header: brand, slash-separated nav, live rate pill */
.s-head{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--e-line)}
.s-head-row{display:flex;align-items:center;gap:1.5rem;min-height:68px}
.s-brand{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--e-ink)!important;font-weight:800;font-size:1.25rem;letter-spacing:-.01em;flex:none}
.s-brand img{display:block;height:34px;width:auto}
.s-brand b{color:var(--e-or-ink);font-weight:800}
.v2 .s-nav{display:flex;flex-wrap:wrap;align-items:center;margin:0 0 0 auto;padding:0}
.v2 .s-nav a{color:var(--e-ink);text-decoration:none;font-weight:600;font-size:1.02rem;padding:.4rem 0}
.v2 .s-nav a+a::before{content:"/";color:#9aa0aa;font-weight:400;margin:0 .7rem;display:inline-block}
.v2 .s-nav a:hover,.v2 .s-nav a[aria-current="page"]{color:var(--e-or-ink)}
.s-ratepill{flex:none;background:var(--e-or);color:var(--e-ink)!important;font-weight:700;font-size:.95rem;text-decoration:none;
  padding:.45rem .95rem;border-radius:999px;white-space:nowrap}
.s-ratepill:hover{background:#ff8540}
.v2 .s-toggle{display:none}

/* buttons */
.e-btn{display:inline-block;background:var(--e-or);color:var(--e-ink)!important;font-weight:700;font-size:1.02rem;text-decoration:none;
  padding:.75rem 1.35rem;border-radius:999px;border:2px solid var(--e-or);transition:background .2s,border-color .2s}
.e-btn:hover{background:#ff8540;border-color:#ff8540}
.e-btn-quiet{background:transparent;border-color:var(--e-ink)}
.e-btn-quiet:hover{background:var(--e-ink);color:#fff!important;border-color:var(--e-ink)}

/* decorative vertical wordmark down the left edge (desktop only) */
.e-wordmark{display:none}
@media (min-width:1360px){
  .e-wordmark{display:block;position:absolute;left:0;top:96px;width:64px;z-index:2;background:#fff;padding:.5rem 0;writing-mode:vertical-rl;transform:rotate(180deg);
    font:700 5.4rem/1 var(--e-disp);letter-spacing:-.01em;color:var(--e-ink);text-transform:uppercase;pointer-events:none;user-select:none}
  .e-wordmark::first-letter{color:var(--e-or)}
  body.v2 main{position:relative}
}

/* intro strip */
.e-intro{padding:2.25rem 0 1.75rem;border-bottom:3px solid var(--e-ink)}
.e-intro-row{display:grid;grid-template-columns:1fr auto;gap:2rem;align-items:end}
.v2 .e-intro h1{font:700 clamp(2rem,3.6vw,3rem)/1.05 var(--e-disp);letter-spacing:-.005em;margin:0 0 .6rem;max-width:22ch}
.e-intro-lede{font:400 1.2rem/1.5 var(--e-serif);color:var(--e-soft);margin:0}
.e-ctas{display:flex;flex-wrap:wrap;gap:.75rem;justify-content:flex-end}

/* front page: lead story + Latest river */
.e-front{padding:2.25rem 0 3rem}
.e-front-grid{display:grid;grid-template-columns:minmax(0,1.65fr) minmax(0,1fr);gap:3rem;align-items:start}
.e-lead{display:grid;grid-template-columns:1fr;gap:0}
.e-figure{display:flex;flex-direction:column;justify-content:flex-end;min-height:250px;padding:1.75rem 2rem;background:var(--e-dark);
  color:#fff!important;text-decoration:none;border-bottom:6px solid var(--e-or)}
.e-figure-label{font:600 1rem/1.35 var(--e-sans);color:#ffb38a;margin-bottom:.4rem;max-width:40ch}
.e-figure-num{font:700 clamp(4rem,9vw,7.5rem)/.95 var(--e-disp);letter-spacing:-.01em;color:#fff}
.e-figure-sub{font:400 1.1rem/1.4 var(--e-serif);color:#d9dce2;margin-top:.5rem}
.e-lead-body{padding:1.5rem 0 0}
.e-kicker{margin:0 0 .5rem;font-weight:700;font-size:.95rem}
.e-kicker a{text-decoration:none}
.v2 .e-lead-h{font:700 clamp(2.4rem,4.6vw,4.2rem)/1.0 var(--e-disp);letter-spacing:-.005em;margin:0 0 1rem}
.v2 .e-lead-h a{color:var(--e-ink);text-decoration:none}
.v2 .e-lead-h a:hover{text-decoration:underline;text-decoration-color:var(--e-or);text-decoration-thickness:4px;text-underline-offset:6px}
.e-dek{font:400 clamp(1.25rem,1.7vw,1.5rem)/1.45 var(--e-serif);color:#2b3039;margin:0 0 1rem;max-width:46ch}
.e-byline,.e-meta{display:flex;flex-wrap:wrap;align-items:center;gap:.35rem .9rem;margin:0;font-size:.92rem;color:var(--e-soft)}
.e-src{font-weight:700;color:var(--e-or-ink);letter-spacing:.04em;text-transform:uppercase;font-size:.88rem}
.e-meta time{font-weight:700;color:var(--e-or-ink)}

.e-river{border-left:1px solid var(--e-line);padding-left:2rem}
.e-river-head{display:flex;align-items:center;justify-content:space-between;gap:1rem;margin-bottom:.5rem}
.v2 .e-pill{display:inline-block;margin:0;background:var(--e-or);color:var(--e-ink);font:700 .95rem/1 var(--e-sans);letter-spacing:.06em;
  text-transform:uppercase;padding:.55rem 1rem;border-radius:999px}
.e-river-head a{font-weight:600;font-size:.98rem}
.e-river-list{list-style:none;margin:0;padding:0}
.e-river-item{display:grid;grid-template-columns:1fr 64px;gap:1rem;padding:1.1rem 0;border-bottom:1px solid var(--e-line)}
.e-river-item>div{grid-column:1;grid-row:1}
.e-badge{grid-column:2;grid-row:1;display:grid;place-items:center;width:64px;height:64px;background:#fff1e8;color:var(--e-or-ink);
  font:700 1rem/1 var(--e-disp);text-transform:uppercase;letter-spacing:.02em;border-radius:6px}
.v2 .e-river-item h3{font:700 1.12rem/1.25 var(--e-sans);letter-spacing:-.01em;margin:0 0 .35rem}
.v2 .e-river-item h3 a,.v2 .e-story h3 a{color:var(--e-ink);text-decoration:none}
.v2 .e-river-item h3 a:hover,.v2 .e-story h3 a:hover{text-decoration:underline;text-decoration-color:var(--e-or);text-decoration-thickness:2px}
.e-dek-s{font:400 1.02rem/1.45 var(--e-serif);color:var(--e-soft);margin:0 0 .45rem;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}

/* two secondary stories under the lead */
.e-second{display:grid;grid-template-columns:1fr 1fr;gap:2rem;margin-top:2rem;padding-top:1.25rem;border-top:1px solid var(--e-line)}
.v2 .e-second-item h3{font:700 1.55rem/1.08 var(--e-disp);margin:.4rem 0 .5rem}
.v2 .e-second-item h3 a{color:var(--e-ink);text-decoration:none}
.v2 .e-second-item h3 a:hover{text-decoration:underline;text-decoration-color:var(--e-or);text-decoration-thickness:2px}

/* rates band */
.e-rates{background:var(--e-dark);color:#fff;padding:3rem 0}
.e-rates-head{display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:.5rem 2rem;margin-bottom:1.5rem}
.v2 .e-rates h2{color:#fff;font:700 clamp(1.8rem,3vw,2.4rem)/1.1 var(--e-disp);margin:0}
.e-rates-head p{margin:0;color:#c9cdd5;font-size:1rem}
.e-rates-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:0;margin:0 0 1.5rem;border-top:1px solid #3a3f49}
.e-rates-grid>div{padding:1.25rem 1.5rem 0 0;border-right:1px solid #3a3f49;margin-right:1.5rem}
.e-rates-grid>div:last-child{border-right:0;margin-right:0}
.e-rates-grid dt{font-size:1rem;color:#c9cdd5;margin-bottom:.35rem}
.e-rates-grid dd{margin:0;font:700 2.6rem/1 var(--e-disp);color:#fff}
.e-rates-grid .e-rate-main dd:first-of-type{font-size:4.2rem;color:var(--e-or)}
.e-rates-grid .e-chg{font:600 1rem/1.4 var(--e-sans);color:#e3e6eb;margin-top:.5rem}
.e-rates-grid .e-fed{font-size:1.9rem}
.v2 .e-rates .e-note{font-size:.95rem;color:#c9cdd5;margin:0;max-width:90ch}
.v2 .e-rates .e-note a{color:#ffb38a}
.v2 .e-rates .e-note a:hover{color:#fff}

/* sections */
.e-sec{padding:4rem 0}
.e-sec-alt{background:var(--e-alt)}
.e-sec-head{margin-bottom:2rem;border-top:3px solid var(--e-ink);padding-top:1rem}
.v2 .e-sec-head h2,.v2 .e-two h2{font:700 clamp(1.8rem,3vw,2.5rem)/1.1 var(--e-disp);margin:0 0 .4rem}
.e-sec-head p{color:var(--e-soft);margin:0;font:400 1.15rem/1.5 var(--e-serif)}
.e-sec-head-row{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1rem}
.e-sec-head-row h2{margin:0!important}
.e-more{margin:2rem 0 0;font-weight:700}

/* guides */
.e-guides{display:grid;grid-template-columns:repeat(5,1fr);gap:0;border-left:1px solid var(--e-line)}
.e-guide{display:flex;flex-direction:column;padding:1.25rem 1.4rem 1.4rem;border-right:1px solid var(--e-line);text-decoration:none;color:var(--e-ink)!important;transition:background .2s}
.e-guide:hover{background:var(--e-alt)}
.v2 .e-guide h3{font:700 1.5rem/1.1 var(--e-disp);margin:0 0 .6rem}
.e-guide p{font:400 1.05rem/1.45 var(--e-serif);color:var(--e-soft);margin:0 0 1rem;flex:1}
.e-go{display:inline-flex;align-items:center;gap:.4rem;font-weight:700;font-size:1rem;color:var(--e-or-ink)}
.e-go svg path{stroke:var(--e-or-ink)}

/* steps */
.e-steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:1.5rem}
.e-step{display:block;border-top:1px solid var(--e-ink);padding-top:.9rem}
.e-stepnum{display:block;font:700 4rem/1 var(--e-disp);color:var(--e-or);margin-bottom:.5rem}
.v2 .e-step h3{font:700 1.18rem/1.25 var(--e-sans);margin:0 0 .4rem}
.e-step p{font:400 1.05rem/1.45 var(--e-serif);color:var(--e-soft);margin:0}

/* more stories (news-list markup is shared with /news/, so keep its class names) */
.v2 .e-more-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:2rem 2.5rem}
.v2 .e-story{display:block;margin:0;padding:1rem 0 0;border:0;border-top:1px solid var(--e-line);background:none;box-shadow:none}
.v2 .e-story h3{font:700 1.6rem/1.08 var(--e-disp);margin:.45rem 0 .5rem;letter-spacing:0}

/* FAQ */
.e-faq{border-top:1px solid var(--e-line)}
.e-qa{border-bottom:1px solid var(--e-line)}
.e-qa summary{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:1.15rem 0;cursor:pointer;list-style:none}
.e-qa summary::-webkit-details-marker{display:none}
.v2 .e-qa summary h3{margin:0;font:700 1.18rem/1.3 var(--e-sans)}
.e-plus{flex:none;width:28px;height:28px;border-radius:50%;border:2px solid var(--e-ink);position:relative}
.e-plus::before,.e-plus::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2px;background:var(--e-ink);transform:translate(-50%,-50%)}
.e-plus::after{transform:translate(-50%,-50%) rotate(90deg);transition:transform .2s}
.e-qa[open] .e-plus::after{transform:translate(-50%,-50%) rotate(0)}
.e-qa-body{padding:0 0 1.25rem}
.e-qa-body p{margin:0 0 .6rem;font:400 1.12rem/1.6 var(--e-serif)}
.e-qa-body a{font-weight:700}

/* three paths + two columns */
.e-paths{display:grid;grid-template-columns:repeat(3,1fr);gap:2.5rem}
.e-path{border-top:4px solid var(--e-or);padding-top:1rem}
.v2 .e-path h3{font:700 1.7rem/1.1 var(--e-disp);margin:0 0 .6rem}
.e-path p{font:400 1.08rem/1.55 var(--e-serif);color:var(--e-soft)}
.e-path ul{padding-left:1.1rem;margin:0 0 1.1rem}
.e-path li{margin:.4rem 0;font-size:1.02rem}
.e-more-link{font-weight:700}
.e-two{display:grid;grid-template-columns:1fr 1fr;gap:3.5rem}
.e-two p{font:400 1.1rem/1.6 var(--e-serif)}
.e-two h2{border-top:3px solid var(--e-ink);padding-top:1rem}

/* footer and shared bits */
.v2 .s-foot{font-family:var(--e-sans);font-size:1rem;background:var(--e-dark)}
.v2 .s-foot a{color:#f1f5f9}
.v2 .s-foot a:hover{color:#ffb38a}
.v2 .s-foot h2{font-family:var(--e-sans);color:#ffb38a;font-size:1rem;font-weight:700;letter-spacing:0;text-transform:none}
.v2 .s-foot .foot-brand{font-family:var(--e-sans);font-weight:800}
.v2 .notice{font-family:var(--e-sans)}

/* gentle fade-in (v2.js adds .in when visible) */
.v2.js-reveal .reveal{opacity:0;transform:translateY(10px);transition:opacity .5s ease,transform .5s ease}
.v2.js-reveal .reveal.in{opacity:1;transform:none}

@media (max-width:1180px){
  .v2 .s-nav a+a::before{margin:0 .45rem}
  .e-guides{grid-template-columns:repeat(3,1fr);border-left:0}
  .e-guide{border:1px solid var(--e-line);margin:-1px 0 0 -1px}
  .e-steps{grid-template-columns:repeat(3,1fr)}
  .e-rates-grid{grid-template-columns:1fr 1fr}
  .e-rates-grid>div{border-right:0;margin-right:0;border-bottom:1px solid #3a3f49;padding-bottom:1.25rem}
}
@media (max-width:980px){
  .e-front-grid,.e-two,.e-intro-row{grid-template-columns:1fr;gap:2rem}
  .e-ctas{justify-content:flex-start}
  .e-river{border-left:0;padding-left:0;border-top:3px solid var(--e-ink);padding-top:1rem}
  .v2 .e-more-grid,.e-paths{grid-template-columns:1fr 1fr}
  .s-ratepill{margin-left:auto}
  .v2 .s-toggle{display:block;background:transparent;border:2px solid var(--e-ink);border-radius:999px;padding:.4rem 1rem;font:600 1rem var(--e-sans);color:var(--e-ink);cursor:pointer;order:3}
  .v2 .s-nav{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:#fff;border-bottom:1px solid var(--e-line);padding:.5rem 1.5rem 1rem}
  .v2 .s-nav.open{display:flex}
  .v2 .s-nav a{padding:.8rem 0;border-bottom:1px solid var(--e-line)}
  .v2 .s-nav a+a::before{display:none}
}
@media (max-width:640px){
  body.v2{font-size:1.0625rem}
  .s-wrap,.e-wrap{padding:0 1.1rem}
  .s-head-row{gap:.75rem}
  .s-brand{font-size:1.1rem}
  .s-ratepill{font-size:.85rem;padding:.4rem .7rem}
  .v2 .s-toggle{padding:.35rem .75rem;font-size:.92rem}
  .e-second{grid-template-columns:1fr}
  .e-intro{padding:1.5rem 0 1.25rem}
  .e-figure{min-height:190px;padding:1.25rem 1.25rem}
  .e-sec{padding:2.75rem 0}
  .e-guides,.e-steps,.v2 .e-more-grid,.e-paths,.e-rates-grid{grid-template-columns:1fr}
  .e-river-item{grid-template-columns:1fr 52px}
  .e-badge{width:52px;height:52px;font-size:.9rem}
  .e-rates-grid .e-rate-main dd:first-of-type{font-size:3.4rem}
  .e-btn{flex:1 1 auto;text-align:center}
}
@media (max-width:420px){
  .s-pill-lbl{display:none}
  .s-brand img{height:26px;max-width:62vw}
  .s-brand{font-size:1.02rem}
}
@media (prefers-reduced-motion:reduce){
  .v2 *{transition:none!important;animation:none!important}
  .v2.js-reveal .reveal{opacity:1;transform:none}
}