/*
Theme Name: Cactus Lending
Theme URI: https://cactuslending.com/
Author: Cactus Lending
Author URI: https://cactuslending.com/
Description: Custom multi-page theme for Cactus Lending, a mortgage broker. Fourteen page templates (Home, Loan Programs, Conventional, FHA, VA, Stated Income / Non-QM, Hard Money, Refinancing / Cash-Out, HELOC, Why a Broker, Process, Calculators, FAQ, Apply Online) with the mortgage calculators, the ADA accessibility widget, and a WPForms quote form on the Apply page.
Version: 2.1.8
Requires at least: 6.0
Tested up to: 6.7
Requires PHP: 7.4
License: Proprietary
License URI: https://cactuslending.com/
Text Domain: cactus-lending
Tags: mortgage, broker, business
*/

:root{
  --bg:#FFFEFB; --surface:#FFFFFF; --surface-2:#F6F3EC; --surface-3:#EDF3EE;
  --ink:#12211A; --ink-2:#3D4F45; --muted:#6B7D72;
  --line:#E3E8E1; --line-2:#D6DDD4;
  --green-900:#143D2C; --green-800:#14553D; --green:#1D8059; --green-2:#26A66E;
  --sage:#DCE9DE; --lime:#8CC63E; --gold:#E9A23B; --gold-strong:#D98E1B; --amber:#C07A1A; --amber-bg:#FDF3E3;
  --radius:18px; --radius-lg:28px;
  --shadow:0 12px 32px rgba(20,61,44,.10); --shadow-lg:0 24px 60px rgba(20,61,44,.14);
}
*{box-sizing:border-box} html{scroll-behavior:smooth} body{margin:0;font-family:"Manrope",system-ui,-apple-system,Segoe UI,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit} img{max-width:100%;display:block}
.wrap{max-width:1180px;margin:0 auto;padding:0 22px}
.topbar{background:var(--green-900);color:#D9EADF;font-size:13px}
.topbar .wrap{display:flex;flex-wrap:wrap;gap:8px 18px;align-items:center;justify-content:space-between;padding-top:8px;padding-bottom:8px}
.topbar b{color:#fff} .topbar a{text-decoration:none;font-weight:700;color:#fff}
header.site{position:sticky;top:0;z-index:50;background:color-mix(in srgb, var(--bg) 92%, transparent);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none}
.logo-mark{width:44px;height:44px;background:var(--green-800);border-radius:12px;display:grid;place-items:center;flex:none}
.logo-text{line-height:1} .logo-text strong{display:block;font-size:20px;letter-spacing:-.02em;font-weight:800} .logo-text strong span{color:var(--green-2)} .logo-text small{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);font-weight:700}
.navlinks{display:flex;gap:26px;align-items:center}
.navlinks a{text-decoration:none;font-weight:600;font-size:15px;color:var(--ink-2)} .navlinks a:hover{color:var(--green)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;padding:13px 22px;font-weight:800;font-size:15px;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:.18s}
.btn-primary{background:var(--green-800);color:#fff} .btn-primary:hover{background:var(--green)} .btn-gold{background:#E9A23B;color:#1A1A1A} .btn-gold:hover{filter:brightness(1.08)}
.btn-lime{background:var(--lime);color:#0B2E22} .btn-lime:hover{filter:brightness(1.05)}
.btn-ghost{background:var(--surface);border-color:var(--line-2);color:var(--ink)}
.btn-sm{padding:10px 18px;font-size:14px}
@media(max-width:860px){.navlinks{display:none}}
.hero{padding:44px 0 56px;background:linear-gradient(180deg,var(--surface-3) 0%,var(--bg) 78%)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:36px;align-items:center}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr}}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:var(--surface);border:1px solid var(--line);border-radius:999px;padding:7px 12px;font-size:13px;font-weight:700;color:var(--ink-2)}
.eyebrow i{width:8px;height:8px;background:var(--lime);border-radius:50%;display:block}
h1{font-size:clamp(38px,5.2vw,62px);line-height:.98;letter-spacing:-.035em;margin:18px 0 16px;font-weight:800}
h1 em{font-family:"Newsreader",serif;font-weight:500;letter-spacing:-.02em}
.lede{font-size:18px;color:var(--ink-2);max-width:560px;margin:0 0 22px}
.path-toggle{display:flex;background:var(--surface);border:1px solid var(--line);border-radius:999px;padding:5px;max-width:520px;gap:5px}
.path-toggle button{flex:1;border:0;background:transparent;padding:11px 14px;border-radius:999px;font-weight:800;font-size:15px;cursor:pointer;color:var(--muted);font-family:inherit}
.path-toggle button.active{background:var(--green-800);color:#fff}
.path-copy{margin:14px 0 20px;color:var(--ink-2);font-size:15.5px;max-width:540px;min-height:48px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px}
.hero-meta{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:20px;font-size:13.5px;color:var(--muted);font-weight:600}
.hero-media{position:relative}
.hero-media img.main{width:100%;height:520px;object-fit:cover;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg)}
@media(max-width:900px){.hero-media img.main{height:340px}}
.float-card{position:absolute;left:16px;right:16px;bottom:16px;background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:16px;box-shadow:var(--shadow);display:flex;gap:14px;align-items:flex-start}
.float-card h3{margin:0 0 4px;font-size:16px} .float-card p{margin:0;font-size:14px;color:var(--muted);line-height:1.5}
.badge-nmls{display:inline-flex;background:var(--amber-bg);color:var(--amber);border:1px solid #EED9AE;border-radius:999px;padding:4px 10px;font-size:12px;font-weight:800;letter-spacing:.02em;white-space:nowrap}
.trustbar{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--surface)}
.trustbar .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
@media(max-width:800px){.trustbar .wrap{grid-template-columns:1fr 1fr}}
.trust-item{padding:20px 18px;border-left:1px solid var(--line)} .trust-item:first-child{border-left:0}
@media(max-width:800px){.trust-item{border-top:1px solid var(--line)}}
.trust-item strong{display:block;font-size:15px} .trust-item span{font-size:13.5px;color:var(--muted);line-height:1.45;display:block;margin-top:3px}
section{padding:64px 0} .section-head{max-width:720px;margin-bottom:28px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.kicker{font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;font-weight:800;color:#E9A23B;margin:0 0 10px}
h2{font-size:clamp(28px,3.6vw,42px);line-height:1.08;letter-spacing:-.03em;margin:0 0 12px;font-weight:800}
h2 em{font-family:"Newsreader",serif;font-weight:500;color:#E9A23B}
.section-head p{color:var(--ink-2);font-size:17px;margin:0}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px} .grid-2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:860px){.grid-3,.grid-2{grid-template-columns:1fr}}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.card h3{margin:0 0 8px;font-size:19px;letter-spacing:-.01em} .card p{margin:0;color:var(--ink-2);font-size:15px}
.iconbox{width:48px;height:48px;border-radius:13px;background:var(--surface-3);display:grid;place-items:center;font-size:22px;margin-bottom:14px}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:800px){.compare{grid-template-columns:1fr}}
.compare .col{border-radius:var(--radius-lg);padding:26px;border:1px solid var(--line)}
.compare .col.broker{background:var(--green-900);color:#EAF3EC;border-color:var(--green-900);border-top:3px solid #E9A23B}
.compare .col.broker p,.compare .col.broker li{color:#C8DCCF}
.compare ul{margin:14px 0 0;padding:0;list-style:none} .compare li{padding:9px 0;border-top:1px solid var(--line);font-size:15px;display:flex;gap:10px} .compare .broker li{border-color:rgba(255,255,255,.14)}
.program-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:900px){.program-grid{grid-template-columns:1fr 1fr}} @media(max-width:560px){.program-grid{grid-template-columns:1fr}}
.program{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
.program-body{padding:22px} .program h3{margin:0 0 8px;font-size:19px} .program p{margin:0;color:var(--ink-2);font-size:14.5px}
.program .foot{margin-top:auto;padding:0 22px 20px} .program .foot a{font-weight:800;font-size:14px;color:var(--green);text-decoration:none}
.tag{display:inline-block;font-size:11.5px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;background:#E9A23B;padding:5px 9px;border-radius:999px;margin-bottom:12px;color:#1A1A1A}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:step}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}} @media(max-width:540px){.steps{grid-template-columns:1fr}}
.step{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;position:relative}
.step-num{width:38px;height:38px;border-radius:50%;background:var(--green-800);color:#fff;display:grid;place-items:center;font-weight:800;margin-bottom:14px}
.step h3{margin:0 0 8px;font-size:17px} .step p{margin:0;color:var(--ink-2);font-size:14.5px}
.calc-shell{background:var(--green-900);border-radius:28px;padding:28px;color:#EDF4EE}
@media(max-width:600px){.calc-shell{padding:20px}}
.calc-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px}
.calc-tabs button{border:1px solid rgba(255,255,255,.22);background:transparent;color:#DCE9DE;padding:10px 16px;border-radius:999px;font-weight:700;cursor:pointer;font-family:inherit;font-size:14px}
.calc-tabs button.active{background:#fff;color:var(--green-900);border-color:#fff}
.calc-panel{display:none} .calc-panel.active{display:grid;grid-template-columns:1.1fr .9fr;gap:22px}
@media(max-width:860px){.calc-panel.active{grid-template-columns:1fr}}
.field{margin-bottom:14px} .field label{display:block;font-size:13px;font-weight:700;letter-spacing:.02em;margin-bottom:6px;color:#CDE0D2}
.field input,.field select{width:100%;padding:13px 14px;border-radius:12px;border:1px solid var(--line-2);background:var(--surface);color:var(--ink);font:inherit;font-size:15px}
.calc-shell .field input,.calc-shell .field select{background:#fff;color:#12211A;border-color:transparent}
.result-box{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:18px;padding:20px;align-self:start}
.result-box .big{font-size:34px;font-weight:800;letter-spacing:-.03em;line-height:1;color:#fff}
.result-box p{color:#CDE0D2;font-size:14px} .result-row{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-top:1px solid rgba(255,255,255,.14);font-size:14.5px}
.disclaimer{font-size:12.5px;color:var(--muted);line-height:1.55} .calc-shell .disclaimer{color:#9FB8A7}
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center}
@media(max-width:860px){.about-grid{grid-template-columns:1fr}}
.about-grid img{border-radius:24px;height:420px;width:100%;object-fit:cover}
.checklist{list-style:none;padding:0;margin:18px 0 0} .checklist li{padding:10px 0;border-top:1px solid var(--line);display:flex;gap:11px;font-size:15.5px;color:var(--ink-2)} .checklist li::before{content:"✓";width:24px;height:24px;flex:none;background:var(--surface-3);color:var(--green);border-radius:50%;display:grid;place-items:center;font-weight:800;font-size:13px}
.faq{max-width:820px;margin:0 auto}
details{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:0 20px;margin-bottom:10px}
summary{cursor:pointer;font-weight:700;padding:18px 0;list-style:none;display:flex;justify-content:space-between;gap:16px} summary::-webkit-details-marker{display:none}
details p{margin:0;padding:0 0 18px;color:var(--ink-2);font-size:15px}
.quote-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:28px;align-items:start}
@media(max-width:900px){.quote-grid{grid-template-columns:1fr}}
.contact-card{background:var(--surface-2);border-radius:var(--radius-lg);padding:26px;border:1px solid var(--line)}
.contact-line{padding:13px 0;border-top:1px solid var(--line)} .contact-line:first-of-type{border-top:0}
.contact-line small{display:block;font-size:12px;letter-spacing:.1em;text-transform:uppercase;font-weight:800;color:var(--muted)} .contact-line strong{font-size:17px} .contact-line a{text-decoration:none}
form.quote{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);padding:26px;box-shadow:var(--shadow)}
form.quote .field label{color:var(--ink-2)} .form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px} @media(max-width:560px){.form-row{grid-template-columns:1fr}}
footer{background:var(--green-900);color:#C9DCCF;padding:48px 0 28px;margin-top:20px}
footer a{color:#fff;text-decoration:none} .foot-grid{display:grid;grid-template-columns:1.2fr .7fr .7fr .9fr;gap:28px}
.foot-qr{background:#fff;padding:8px;border-radius:10px;display:block;margin-bottom:10px}
.social-icons{display:flex;gap:10px;align-items:center;margin-top:12px}
.social-icons a{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.12);transition:background .2s}
.social-icons a:hover{background:rgba(255,255,255,.25)}
.social-icons a:focus-visible{outline:2px solid #E9A23B;outline-offset:2px}
@media(max-width:800px){.foot-grid{grid-template-columns:1fr}}
footer h4{color:#fff;margin:0 0 12px;font-size:15px} footer p,footer li{font-size:14px;line-height:1.6} footer ul{list-style:none;padding:0;margin:0} footer li{padding:5px 0}
.foot-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:28px;padding-top:18px;display:flex;flex-wrap:wrap;gap:10px 20px;justify-content:space-between;font-size:13px}
.housing{display:flex;gap:10px;align-items:center;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:12px 14px;font-size:13px}
.calc-error{display:none;background:#FFF1F1;border:1px solid #F0B4B4;color:#8B1E1E;border-radius:10px;padding:10px 12px;font-size:14px;font-weight:600;margin:0 0 12px}
.calc-error.show{display:block}
/* Accessibility widget */
.a11y-widget{position:fixed;right:18px;bottom:18px;z-index:9999;font-family:inherit}
.a11y-toggle{width:52px;height:52px;border-radius:50%;background:var(--green-800);color:#fff;border:2px solid #fff;box-shadow:0 8px 24px rgba(0,0,0,.28);cursor:pointer;display:grid;place-items:center;padding:0}
.a11y-toggle:hover{background:var(--green)} .a11y-toggle:focus-visible{outline:3px solid var(--lime);outline-offset:3px}
.a11y-panel{position:absolute;right:0;bottom:62px;width:260px;background:var(--surface);color:var(--ink);border:1px solid var(--line-2);border-radius:16px;box-shadow:0 18px 48px rgba(0,0,0,.22);padding:16px;display:none}
.a11y-panel.open{display:block}
.a11y-panel h3{margin:0 0 4px;font-size:16px;line-height:1.3}
.a11y-panel p{margin:0 0 12px;font-size:13px;color:var(--muted);line-height:1.5}
.a11y-panel button{width:100%;text-align:left;background:var(--surface-2);color:var(--ink);border:1px solid var(--line);border-radius:10px;padding:10px 12px;font:inherit;font-size:14px;font-weight:700;cursor:pointer;margin:0 0 8px;display:flex;justify-content:space-between;align-items:center;gap:10px}
.a11y-panel button[aria-pressed="true"]{background:var(--green-800);color:#fff;border-color:var(--green-800)}
.a11y-panel button:focus-visible{outline:3px solid var(--lime);outline-offset:2px}
.a11y-panel .a11y-reset{background:transparent}
.a11y-panel .a11y-state{font-size:12px;font-weight:800;opacity:.75}
@media(max-width:560px){.a11y-widget{right:14px;bottom:14px}.a11y-panel{width:min(260px,calc(100vw - 28px))}}
/* WhatsApp floating button (bottom-left; ADA widget is bottom-right) */
.wa-float{position:fixed;left:18px;bottom:18px;z-index:9999;width:56px;height:56px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.28);text-decoration:none}
.wa-float:hover{background:#1EBE5B}
.wa-float:focus-visible{outline:3px solid #128C7E;outline-offset:3px}
@media(max-width:560px){.wa-float{left:14px;bottom:14px;width:52px;height:52px}}
html.a11y-large body{font-size:18px;line-height:1.7}
html.a11y-large p,html.a11y-large li,html.a11y-large .lede,html.a11y-large .path-copy,html.a11y-large .trust-item span{font-size:1.12em}
html.a11y-contrast{--bg:#000000;--surface:#111111;--surface-2:#1B1B1B;--surface-3:#242424;--ink:#FFFFFF;--ink-2:#F0F0F0;--muted:#D6D6D6;--line:#5A5A5A;--line-2:#737373;--sage:#2B2B2B;--amber-bg:#2A2418}
html.a11y-contrast body{background:#000;color:#fff}
html.a11y-contrast a{text-decoration:underline}
html.a11y-grayscale main,html.a11y-grayscale header.site,html.a11y-grayscale .topbar,html.a11y-grayscale footer{filter:grayscale(1)}
html.a11y-underline a{text-decoration:underline !important;text-underline-offset:3px}
.crumbs{font-size:13px;color:var(--muted);font-weight:700;margin:0 0 10px}.crumbs a{color:var(--green);text-decoration:none}
.page-hero{padding:44px 0 8px;background:linear-gradient(180deg,var(--surface-3) 0%,var(--bg) 78%)}
.page-hero h1{font-size:clamp(32px,4.4vw,50px)}
.detail-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:18px;align-items:start}
@media(max-width:860px){.detail-grid{grid-template-columns:1fr}}
.cta-band{background:var(--green-900);color:#EAF3EC;border-radius:18px;padding:26px;display:flex;flex-wrap:wrap;gap:16px;align-items:center;justify-content:space-between}
.cta-band strong{color:#fff;font-size:19px}.cta-band p{margin:4px 0 0;color:#C8DCCF;font-size:15px}
.mini-table{width:100%;border-collapse:collapse;font-size:15px}
.mini-table th,.mini-table td{text-align:left;padding:11px 10px;border-top:1px solid var(--line);vertical-align:top}
.mini-table th{color:var(--ink);font-size:14px}
.mini-table td{color:var(--ink-2)}
.num-list{list-style:none;padding:0;margin:0;counter-reset:n}
.num-list li{counter-increment:n;padding:12px 0 12px 46px;border-top:1px solid var(--line);position:relative;color:var(--ink-2);font-size:15.5px}
.num-list li:first-child{border-top:0}
.num-list li::before{content:counter(n);position:absolute;left:0;top:12px;width:30px;height:30px;border-radius:50%;background:var(--green-800);color:#fff;display:grid;place-items:center;font-weight:800;font-size:14px}
.navlinks a.active{color:var(--green)}
.foot-license{font-weight:700;color:#D9EADF;letter-spacing:.02em}
/* --- 2026-11-11 final review: hero headline (synced from artifact) --- */
.hero h1{color:var(--green-900)}
.hero h1 .h1-top{display:block;color:var(--green-900)}
.hero h1 em{display:block;margin-top:10px;color:var(--amber);font-size:1.06em;line-height:1.04}
.hero h1 em::after{content:"";display:block;width:76px;height:5px;border-radius:999px;background:var(--gold);margin-top:16px}
/* --- 2026-11-11 final review: CTA band, phone on its own line (synced from artifact) --- */
.cta-band .cta-text{max-width:660px}
.cta-band .cta-call{display:flex;flex-direction:column;align-items:flex-start;gap:10px;margin-top:16px;padding-top:16px;border-top:1px solid rgba(255,255,255,.18)}
.cta-band .cta-call-label{font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;font-weight:800;color:#BFD6C4}
.cta-band .cta-phone{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:#1A1A1A;font-weight:800;font-size:16.5px;line-height:1;padding:11px 18px;border-radius:999px;text-decoration:none;white-space:nowrap;box-shadow:0 6px 16px rgba(0,0,0,.18)}
.cta-band .cta-phone:hover{filter:brightness(1.08)}
/* --- 2026-11-11 final review: compare cards, equal height (synced from artifact) --- */
.compare{align-items:stretch}
.compare .col{display:flex;flex-direction:column;height:100%}
.compare .col.bank{background:#FFFDF6;border-color:var(--line-2);border-top:5px solid #B9C4B6}
.compare .col.broker{border-top:5px solid var(--gold);box-shadow:0 16px 36px rgba(20,61,44,.16)}
.compare-tag{display:inline-flex;align-self:flex-start;align-items:center;padding:5px 11px;border-radius:999px;font-size:11.5px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;margin-bottom:12px}
.compare .col.bank .compare-tag{background:var(--surface-3);color:var(--ink-2);border:1px solid var(--line-2)}
.compare .col.broker .compare-tag{background:var(--gold);color:#231603}
.compare ul{margin-bottom:16px}
.compare li span{width:24px;height:24px;flex:none;border-radius:50%;display:grid;place-items:center;font-size:13px;font-weight:800;background:#E8EDE3;color:#5F7263}
.compare .broker li span{background:var(--lime);color:var(--green-900)}
.compare .compare-note{margin-top:auto;padding:12px 14px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:12px;font-size:13px}
  --sage:#DCE9DE; --lime:#8CC63E; --amber:#C07A1A; --amber-bg:#FDF3E3;
/* --- 2026-11-11 final review: page main heading is h1, keeps section-head size --- */
.section-head h1{font-size:clamp(28px,3.6vw,42px);line-height:1.08;letter-spacing:-.03em;margin:0 0 12px;font-weight:800}
.section-head h1 em{font-family:"Newsreader",serif;font-weight:500;color:#E9A23B}
/* ---------- WordPress additions (not in the standalone files) ---------- */
:root{color-scheme:light}
html{color-scheme:light}
/* wp_nav_menu() wraps links in a <ul>; keep the standalone horizontal nav layout. */
.navlinks ul{display:flex;gap:26px;align-items:center;list-style:none;margin:0;padding:0}
.navlinks li{display:flex}
.navlinks ul a{text-decoration:none;font-weight:600;font-size:15px;color:var(--ink-2)}
.navlinks ul a:hover{color:var(--green)}
/* ---------- Header dropdown sub-menu (Loan Programs) ---------- */
.navlinks>ul>li{position:relative}
.navlinks ul ul.sub-menu{display:none;position:absolute;top:100%;left:0;min-width:240px;background:var(--surface);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:8px;z-index:60;flex-direction:column;gap:0;align-items:stretch}
.navlinks ul li:hover>ul.sub-menu,.navlinks ul li:focus-within>ul.sub-menu{display:flex}
.navlinks ul ul.sub-menu li{display:block}
.navlinks ul ul.sub-menu a{display:block;padding:10px 12px;border-radius:10px;font-size:14px}
.navlinks ul ul.sub-menu a:hover{background:var(--surface-2);color:var(--green)}
/* The Apply page WPForms form sits in a <div class="quote"> card (WPForms renders
   its own <form>), so mirror the standalone form.quote card styling for it. */
div.quote{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);padding:26px;box-shadow:var(--shadow)}
div.quote .wpforms-container{margin:0}
div.quote .wpforms-field-label{color:var(--ink-2);font-weight:700}
div.quote .wpforms-submit{background:var(--gold)!important;color:#1A1A1A!important;border:0;border-radius:999px;padding:13px 22px;font-weight:800;font-size:15px;cursor:pointer;width:100%;transition:.18s}
div.quote .wpforms-submit:hover{filter:brightness(1.08)}
/* Any other WPForms form on the site (e.g. the landing-page form 1491, which
   is not inside div.quote) gets the same gold submit button — WPForms'
   own stylesheet loads after the theme and defaults to blue otherwise. */
.wpforms-container button.wpforms-submit{background:var(--gold)!important;color:#1A1A1A!important;border:0!important}
.wpforms-container button.wpforms-submit:hover{filter:brightness(1.08)}
.loan-preselected{background:var(--amber-bg);border:1px solid var(--gold);border-radius:12px;padding:12px 14px;font-size:14.5px;margin:0 0 18px}

/* --- Apply page cactus accents (v2.1.0): small logo-mark badges echoing the header --- */
.cactus-badge{width:34px;height:34px;background:var(--green-800);border-radius:9px;display:inline-grid;place-items:center;flex:none}
.cactus-badge svg{display:block}
.cactus-badge-lg{width:38px;height:38px;border-radius:10px}
.apply-head{display:flex;align-items:center;gap:10px}
.apply-head h3{margin:0}

/* ---------- Mobile menu (hamburger) ---------- */
.menu-toggle{display:none}
.mobile-apply{display:none}
@media(max-width:860px){
  .menu-toggle{display:grid;place-items:center;width:44px;height:44px;flex:none;border:1px solid var(--line-2);background:var(--surface);border-radius:12px;cursor:pointer;padding:0}
  .menu-toggle span{display:block;width:20px;height:2px;background:var(--ink);border-radius:2px;margin:2.5px auto;transition:.2s}
  .menu-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .menu-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
  .menu-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  .menu-toggle:focus-visible{outline:3px solid var(--lime);outline-offset:2px}
  .nav>.btn{display:none}
  .navlinks{display:none;position:absolute;top:100%;left:0;right:0;background:var(--surface);border-bottom:1px solid var(--line);box-shadow:var(--shadow);padding:8px 22px 18px;flex-direction:column;align-items:stretch;gap:0;z-index:60}
  .navlinks.open{display:flex}
  .navlinks ul{flex-direction:column;align-items:stretch;gap:0}
  .navlinks li{display:block}
  .navlinks>ul>li{border-top:1px solid var(--line)}
  .navlinks>ul>li:first-child{border-top:0}
  .navlinks ul a{display:block;padding:12px 0;font-size:16px}
  .navlinks ul ul.sub-menu{position:static;display:block;box-shadow:none;border:0;padding:0 0 0 18px;min-width:0}
  .navlinks ul ul.sub-menu a{padding:9px 0;font-size:15px;color:var(--ink-2)}
  .navlinks.open .mobile-apply{display:block;margin-top:14px;text-align:center}
}