.home--v4 {
  --v4-bg: #F5F5F5;
  --v4-band: #ECECEC;
  --v4-ink: #181613;
  --v4-navy: var(--brand);
  --v4-navy-deep: color-mix(in srgb, var(--brand) 80%, #000);
  --v4-navy-line: color-mix(in srgb, var(--brand) 76%, #fff);
  --v4-rust: var(--brand-2);
  --v4-rust-dark: color-mix(in srgb, var(--brand-2) 78%, #000);
  --v4-rust-eye: color-mix(in srgb, var(--brand-2) 90%, #000);
  --v4-sun: color-mix(in srgb, var(--brand-2) 62%, #fff);
  --v4-muted: #4E4F52;
  --v4-muted-2: #605F5C;
  --v4-line: #E2E2E2;
  --v4-line-2: #E8E8E8;
  --v4-line-3: #DEDEDE;
  --v4-on-navy: color-mix(in srgb, var(--brand) 22%, #fff);
  --v4-on-navy-dim: color-mix(in srgb, var(--brand) 42%, #fff);
  --v4-on-navy-soft: color-mix(in srgb, var(--brand) 14%, #fff);
  --v4-max: 1240px;
}

/* High specificity so it beats home.css `#home{background:#f2f2f2;color:#131A16}`. */
#home.home--v4 {
  background: var(--v4-bg);
  color: var(--v4-ink);
  font-family: 'Libre Franklin', system-ui, -apple-system, 'Segoe UI', sans-serif;
  font-weight: 400;
}
#home.home--v4 h1, #home.home--v4 h2, #home.home--v4 h3 { color: var(--v4-ink) }
#home.home--v4 a { color: var(--v4-navy) }
#home.home--v4 a:hover { color: var(--v4-rust) }
#home.home--v4 a.u { text-decoration: underline; text-underline-offset: 3px }
#home.home--v4 input[type=range] { accent-color: var(--v4-rust) }
#home.home--v4 :focus-visible { outline: 3px solid var(--v4-rust); outline-offset: 3px }

/* Neutralize home.css id rules that would otherwise leak into v4 sections. */
#home.home--v4 #estimator { max-width: none; margin: 0; padding: 0 }
#home.home--v4 #how { background: transparent; border-top: 0; border-bottom: 0; overflow: visible }
#home.home--v4 #market { background: var(--v4-ink); border-top: 0; border-bottom: 0 }
#home.home--v4 #start { background: var(--v4-bg); color: var(--v4-ink) }
#home.home--v4 #tl-line, #home.home--v4 #tl-fill { display: none !important }

/* ---------- Shared eyebrow / buttons ---------- */
.home--v4 .v4-eyebrow { margin: 0 0 12px; font-size: 12px; font-weight: 700; letter-spacing: .2em; text-transform: uppercase; color: var(--v4-rust-eye) }
.home--v4 .v4-eyebrow--rust { color: var(--v4-rust) }
.home--v4 .v4-eyebrow--sun { color: var(--v4-sun) }

.home--v4 .v4-btn { display: inline-flex; align-items: center; gap: 10px; background: var(--v4-rust); color: #fff; font-size: 17px; font-weight: 700;
  padding: 18px 34px; border: 0; border-radius: 2px; white-space: nowrap; cursor: pointer; transition: background .18s ease }
.home--v4 .v4-btn:hover { background: var(--v4-rust-dark) }
.home--v4 .v4-btn--lg { font-size: 18px; padding: 20px 40px }
.home--v4 .v4-hero-actions .v4-btn { background: var(--brand) }
.home--v4 .v4-hero-actions .v4-btn:hover { background: var(--brand-accent) }
.home--v4 .v4-cta-actions .v4-btn { background: var(--brand) }
.home--v4 .v4-cta-actions .v4-btn:hover { background: var(--brand-accent) }

/* ---------- Header ---------- */
#home.home--v4 .v4-header { position: sticky; top: 0; z-index: 30; background: #F5F5F5F5;
  -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px); border-bottom: 1px solid var(--v4-line) }
.home--v4 .v4-header-inner { max-width: var(--v4-max); margin: 0 auto; display: flex; align-items: center; gap: 24px; padding-top: 16px; padding-bottom: 16px }
#home.home--v4 .v4-logo { display: flex; align-items: center; color: var(--v4-ink) }
#home.home--v4 .site-powered { color: var(--v4-muted-2); font-style: italic }
.home--v4 .v4-clock { margin: 0 0 0 6px; font-size: 12px; color: var(--v4-muted-2); letter-spacing: .01em; white-space: nowrap }
.home--v4 .v4-nav { display: flex; gap: 26px; margin-left: 6px; font-size: 14px }
#home.home--v4 #main-nav a, .home--v4 .v4-nav-link { color: var(--v4-muted); text-decoration: none; transition: color .15s ease }
#home.home--v4 #main-nav a:hover { color: var(--v4-navy) }
#home.home--v4 #header-cta { margin-left: auto; background: var(--v4-navy); color: #fff; font-size: 15px; font-weight: 600;
  padding: 13px 22px; border: 0; border-radius: 2px; white-space: nowrap; cursor: pointer; transition: background .18s ease }
#home.home--v4 #header-cta:hover { background: var(--v4-rust) }
#home.home--v4 #nav-toggle { color: var(--v4-navy); border: 0; border-radius: 0; padding: 6px; margin-left: auto }
@media (max-width: 900px) { .home--v4 .v4-clock { display: none } }

/* ---------- Mobile nav (navy overlay) ---------- */
#home.home--v4 #mobile-nav { background: var(--v4-navy) }
#home.home--v4 #mobile-nav a { color: #fff; font-weight: 600 }
#home.home--v4 .mobile-nav-close { border: 1px solid rgba(255,255,255,.4); border-radius: 2px; color: #fff }
#home.home--v4 .mobile-nav-cta { margin-top: 22px; background: var(--v4-rust); color: #fff; font-weight: 700; border-radius: 2px }

/* ---------- Hero ---------- */
.home--v4 .v4-hero { max-width: var(--v4-max); margin: 0 auto; padding-top: 56px; padding-bottom: 0 }
.home--v4 .v4-hero-top { position: relative; padding-left: 30px }
.home--v4 .v4-hero-rule { position: absolute; left: 0; top: 6px; bottom: 6px; width: 4px; background: var(--v4-rust) }
.home--v4 .v4-hero-title { margin: 0 0 22px; font-size: clamp(36px, 6vw, 74px); line-height: 1.02; letter-spacing: -.04em; font-weight: 800; max-width: 24ch; text-wrap: balance }
.home--v4 .v4-hero-content { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(300px, 100%), 1fr)); gap: 36px; align-items: end }
.home--v4 .v4-hero-lede { margin: 0; font-size: 16px; line-height: 1.62; color: var(--v4-muted); max-width: 56ch }
.home--v4 .v4-hero-actions { display: flex; flex-wrap: wrap; gap: 16px; align-items: center }
.home--v4 .v4-hero-link { font-size: 16px; font-weight: 600 }
.home--v4 .v4-hero-band { position: relative; width: 100vw; margin-left: 50%; transform: translateX(-50%); height: 420px; margin-top: 44px; background: var(--v4-band); overflow: hidden }
.home--v4 .v4-hero-band img { width: 100%; height: 100%; object-fit: cover; display: block }

/* ---------- Identity ---------- */
.home--v4 .v4-identity { max-width: var(--v4-max); margin: 0 auto; padding-top: 56px; padding-bottom: 56px }
.home--v4 .v4-identity-row { display: grid; grid-template-columns: 120px minmax(0, 1fr); gap: 32px; align-items: start; border-top: 2px solid var(--v4-ink); padding-top: 22px }
.home--v4 .v4-identity-text { margin: 0; font-size: clamp(18px, 2.2vw, 26px); line-height: 1.46; letter-spacing: -.02em; max-width: 56ch }

/* ---------- Estimator ---------- */
.home--v4 .v4-estimator { background: #fff; border-top: 1px solid var(--v4-line-2); border-bottom: 1px solid var(--v4-line-2) }
.home--v4 .v4-estimator-inner { max-width: var(--v4-max); margin: 0 auto; padding-top: 66px; padding-bottom: 66px }
.home--v4 .v4-estimator-head { display: grid; grid-template-columns: 120px minmax(0, 1fr); gap: 32px; align-items: baseline; margin-bottom: 34px }
.home--v4 .v4-estimator-title { margin: 0 0 8px; font-size: clamp(26px, 3.4vw, 38px); line-height: 1.06; letter-spacing: -.035em; font-weight: 800 }
.home--v4 .v4-estimator-lede { margin: 0; font-size: 15px; color: var(--v4-muted-2); max-width: 52ch }
.home--v4 .v4-est-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr); gap: 52px; align-items: start }
.home--v4 .v4-est-controls { display: grid; gap: 34px }
.home--v4 .v4-field-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; border-bottom: 1px solid var(--v4-line-2); padding-bottom: 8px; margin-bottom: 12px }
.home--v4 .v4-field-label { font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--v4-muted-2) }
.home--v4 .v4-field-label-static { display: block; font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--v4-muted-2); border-bottom: 1px solid var(--v4-line-2); padding-bottom: 8px; margin-bottom: 14px }
.home--v4 .v4-field-value { font-size: 32px; font-weight: 800; letter-spacing: -.04em; line-height: 1 }
.home--v4 .v4-field-range-labels { display: flex; justify-content: space-between; font-size: 13px; color: var(--v4-muted-2) }
.home--v4 .v4-term-group { display: flex; flex-wrap: wrap; gap: 8px }
#home.home--v4 .term-btn { font: inherit; font-size: 15px; font-weight: 700; padding: 12px 18px; border-radius: 2px; cursor: pointer;
  border: 1px solid var(--v4-line-3); background: #fff; color: var(--v4-ink); transition: background .15s ease, border-color .15s ease }
#home.home--v4 .term-btn.active { border-color: var(--v4-navy); background: var(--v4-navy); color: #fff }
.home--v4 .v4-term-note { margin: 12px 0 0; font-size: 13px; color: var(--v4-muted-2) }

.home--v4 .v4-est-output { background: var(--v4-navy); color: #fff; padding: 32px }
.home--v4 .v4-output-eyebrow { margin: 0; font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--v4-on-navy-dim) }
.home--v4 .v4-output-value { margin: 6px 0 22px; font-size: clamp(42px, 6vw, 62px); font-weight: 800; letter-spacing: -.05em; line-height: 1 }
.home--v4 .v4-output-bar { display: flex; height: 9px; overflow: hidden; background: var(--v4-navy-deep); margin-bottom: 8px; opacity: .4 }
.home--v4 .v4-output-bar-principal { background: #fff; transition: width .3s ease }
.home--v4 .v4-output-bar-interest { background: var(--v4-rust); transition: width .3s ease }
.home--v4 .v4-output-bar-labels { display: flex; justify-content: space-between; font-size: 12px; color: var(--v4-on-navy-dim); margin-bottom: 22px }
.home--v4 .v4-output-list { margin: 0; font-size: 15px }
.home--v4 .v4-output-row { display: flex; justify-content: space-between; gap: 12px; padding: 12px 0; border-top: 1px solid var(--v4-navy-line) }
.home--v4 .v4-output-row--last { border-bottom: 1px solid var(--v4-navy-line) }
.home--v4 .v4-output-row dt { color: var(--v4-on-navy-dim) }
.home--v4 .v4-output-row dd { margin: 0; font-weight: 700 }
.home--v4 .v4-output-disclosure { margin: 20px 0 0; font-size: 13px; line-height: 1.6; color: var(--v4-on-navy-soft) }
.home--v4 .v4-output-disclosure--tight { margin: 12px 0 0 }
.home--v4 .v4-output-disclosure strong { color: #fff }

/* ---------- How it works ---------- */
.home--v4 .v4-how-head-wrap { max-width: var(--v4-max); margin: 0 auto; padding-top: 64px; padding-bottom: 30px }
.home--v4 .v4-how-head { display: grid; grid-template-columns: 120px minmax(0, 1fr); gap: 32px; align-items: start }
.home--v4 .v4-how-title { margin: 0 0 10px; font-size: clamp(26px, 3.4vw, 40px); line-height: 1.04; letter-spacing: -.035em; font-weight: 800; max-width: 24ch; text-wrap: balance }
.home--v4 .v4-how-lede { margin: 0; font-size: 15px; color: var(--v4-muted-2); max-width: 56ch }
.home--v4 .v4-how-list { margin: 0; padding: 0; list-style: none; position: relative }
.home--v4 .v4-how-item { border-top: 1px solid var(--v4-line); opacity: 0; transform: translateY(12px);
  transition: opacity .55s cubic-bezier(.2,.8,.2,1), transform .55s cubic-bezier(.2,.8,.2,1) }
.home--v4 .v4-how-item[data-in] { opacity: 1; transform: none }
.home--v4 .v4-how-item--last { border-bottom: 1px solid var(--v4-line) }
.home--v4 .v4-how-item--active { background: var(--v4-navy); color: #fff; border-top: 0 }
.home--v4 .v4-how-item-inner { max-width: var(--v4-max); margin: 0 auto; padding-top: 30px; padding-bottom: 30px; display: grid; grid-template-columns: 120px minmax(0, 1fr); gap: 32px; align-items: baseline }
.home--v4 .v4-how-item-inner--active { padding-top: 34px; padding-bottom: 34px }
.home--v4 .v4-how-num { margin: 0; font-size: 40px; font-weight: 800; letter-spacing: -.05em; line-height: .9; color: var(--v4-ink) }
.home--v4 .v4-how-num--active { color: #fff }
.home--v4 .v4-how-item-title { margin: 0 0 8px; font-size: 21px; font-weight: 700; letter-spacing: -.025em; color: inherit }
#home.home--v4 .v4-how-item--active .v4-how-item-title { color: #fff }
.home--v4 .v4-how-item-desc { margin: 0; font-size: 15px; color: var(--v4-muted) }
.home--v4 .v4-how-item-desc--active { color: #fff }

/* ---------- Recipients ---------- */
.home--v4 .v4-recip { max-width: var(--v4-max); margin: 0 auto; padding-top: 64px; padding-bottom: 64px }
.home--v4 .v4-recip-head { display: grid; grid-template-columns: 120px minmax(0, 1fr); gap: 32px; align-items: start; margin-bottom: 34px }
.home--v4 .v4-recip-title { margin: 0 0 10px; font-size: clamp(25px, 3.2vw, 36px); line-height: 1.06; letter-spacing: -.035em; font-weight: 800; max-width: 24ch; text-wrap: balance }
.home--v4 .v4-recip-lede { margin: 0; font-size: 15px; color: var(--v4-muted-2); max-width: 58ch }
.home--v4 .v4-recip-grid { display: block }
.home--v4 .v4-recip-cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 26px }
.home--v4 .v4-recip-card { border-top: 3px solid var(--v4-navy); padding-top: 16px }
.home--v4 .v4-recip-num { margin: 0 0 6px; font-size: 11px; font-weight: 700; letter-spacing: .18em; color: var(--v4-rust-eye) }
.home--v4 .v4-recip-card-title { margin: 0 0 6px; font-size: 17px; font-weight: 700; letter-spacing: -.02em }
.home--v4 .v4-recip-desc { margin: 0; font-size: 14px; color: var(--v4-muted) }
.home--v4 .v4-recip-art { position: relative; width: 100%; aspect-ratio: 3 / 4; overflow: hidden; background: var(--v4-band) }
.home--v4 .v4-recip-art img { width: 100%; height: 100%; object-fit: cover; display: block }
.home--v4 .v4-recip-footnote { margin: 24px 0 0; font-size: 13px; color: var(--v4-muted-2); max-width: 74ch }

/* ---------- Market ---------- */
.home--v4 .v4-market { background: var(--v4-ink); color: #fff }
.home--v4 .v4-market-inner { max-width: var(--v4-max); margin: 0 auto; padding-top: 66px; padding-bottom: 66px }
.home--v4 .v4-market-head { display: grid; grid-template-columns: 120px minmax(0, 1fr); gap: 32px; align-items: start; margin-bottom: 38px }
#home.home--v4 .v4-market-title { margin: 0 0 10px; font-size: clamp(26px, 3.4vw, 40px); line-height: 1.04; letter-spacing: -.035em; font-weight: 800; max-width: 22ch; text-wrap: balance; color: #fff }
.home--v4 .v4-market-lede { margin: 0; font-size: 15px; color: #fff; max-width: 62ch }
.home--v4 .v4-mkt-figs { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 48px; align-items: start; border-top: 1px solid var(--v4-navy-line); padding-top: 30px }
.home--v4 .v4-stat-figure-value { margin: 0; font-size: clamp(56px, 8.6vw, 112px); font-weight: 800; letter-spacing: -.055em; line-height: .86; color: #fff }
.home--v4 .v4-stat-figure-label { margin: 18px 0 8px; font-size: 18px; font-weight: 600; line-height: 1.36; max-width: 26ch }
.home--v4 .v4-stat-figure-source { margin: 0; font-size: 12px; color: var(--v4-on-navy-dim) }
.home--v4 .v4-rates-block { margin-top: 40px; border-top: 1px solid var(--v4-navy-line); padding-top: 30px }
.home--v4 .v4-rates-head { display: flex; flex-wrap: wrap; gap: 12px; align-items: baseline; justify-content: space-between; margin-bottom: 22px }
.home--v4 .v4-rates-note { margin: 0; font-size: 13px; color: var(--v4-on-navy-dim) }
.home--v4 .v4-mkt-bars { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 30px }
.home--v4 .v4-rate-value { margin: 0 0 8px; font-size: clamp(26px, 3vw, 34px); font-weight: 800; letter-spacing: -.04em; line-height: 1; color: #fff }
.home--v4 .v4-rate-bar-track { height: 8px; background: rgba(255, 255, 255, .12); border-radius: 999px; overflow: hidden; margin-bottom: 12px }
.home--v4 .v4-rate-bar-fill { height: 100%; width: 0; border-radius: 999px; transition: width 1.1s cubic-bezier(.22,.8,.3,1) }
.home--v4 .v4-rate-bar-fill--rust,
.home--v4 .v4-rate-bar-fill--white,
.home--v4 .v4-rate-bar-fill--slate { background: var(--brand) }
.home--v4 .v4-rate-desc { margin: 0; font-size: 14px; color: var(--v4-on-navy) }
.home--v4 .v4-rates-footnote { margin: 22px 0 0; font-size: 13px; color: var(--v4-on-navy-dim) }

/* ---------- CTA ---------- */
.home--v4 .v4-cta { max-width: var(--v4-max); margin: 0 auto; padding-top: 64px; padding-bottom: 64px }
.home--v4 .v4-cta-split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.15fr); gap: 48px; padding: 48px 0 }
.home--v4 .v4-cta-content { display: flex; flex-direction: column; justify-content: center }
.home--v4 .v4-cta-title { margin: 0 0 14px; font-size: clamp(28px, 4.2vw, 48px); line-height: 1.02; letter-spacing: -.04em; font-weight: 800; max-width: 20ch; text-wrap: balance }
.home--v4 .v4-cta-lede { margin: 0 0 28px; font-size: 16px; line-height: 1.6; color: var(--v4-muted); max-width: 48ch }
.home--v4 .v4-cta-actions { display: flex; flex-wrap: wrap; gap: 16px; align-items: center }
.home--v4 .v4-cta-note { margin: 0; font-size: 13px; color: var(--v4-muted-2); max-width: 22ch }
.home--v4 .v4-consent-block { border-left: 3px solid var(--v4-navy); padding-left: 26px }
.home--v4 .v4-consent-steps { margin: 0 0 22px; padding: 0; list-style: none; display: grid; gap: 12px }
.home--v4 .v4-consent-steps li { padding: 15px 18px; border: 1px solid var(--v4-line); border-radius: 10px; background: #fff; font-size: 14px; font-weight: 500; line-height: 1.4; color: var(--v4-ink) }
.home--v4 .v4-consent-step-num { display: block; margin-bottom: 5px; color: var(--brand); font-size: 12px; font-weight: 700; letter-spacing: .12em; font-variant-numeric: tabular-nums }
.home--v4 .v4-consent-fine { margin: 0; font-size: 12px; line-height: 1.66; color: var(--v4-muted) }

/* ---------- Footer (shared _footer.tpl markup, restyled dark + readable) ---------- */
#home.home--v4 .site-footer { background: var(--v4-ink); color: rgba(255, 255, 255, .78) }
#home.home--v4 .footer-inner { max-width: var(--v4-max); padding: 54px 32px 60px; gap: 30px }
#home.home--v4 .footer-logo-img { opacity: .6 }
#home.home--v4 .footer-brand p { margin: 0; color: rgba(255, 255, 255, .82); line-height: 1.7 }
#home.home--v4 .footer-col h3 { color: rgba(255, 255, 255, .55); letter-spacing: .2em }
#home.home--v4 .footer-col a { color: #fff }
#home.home--v4 .footer-legal { padding-top: 26px; border-top: 1px solid rgba(255, 255, 255, .14); color: rgba(255, 255, 255, .64) }
#home.home--v4 .footer-legal a { color: #fff }

/* ---------- Funnel step buttons — match v4 rust CTA (square corners) ---------- */
.funnel--v4 .btn--primary { border-radius: 2px }

/* ---------- Responsive ---------- */
@media (max-width: 1000px) {
  .home--v4 .v4-est-grid { grid-template-columns: minmax(0, 1fr); gap: 30px }
  .home--v4 .v4-recip-grid { grid-template-columns: minmax(0, 1fr); gap: 30px }
  .home--v4 .v4-mkt-figs { grid-template-columns: minmax(0, 1fr); gap: 32px }
  .home--v4 .v4-mkt-bars { grid-template-columns: minmax(0, 1fr) }
  .home--v4 .v4-cta-split { grid-template-columns: minmax(0, 1fr) }
}
@media (max-width: 900px) {
  .home--v4 .v4-hero-band { height: 280px }
  .home--v4 .v4-hero-rule { display: none }
  .home--v4 .v4-hero-top { padding-left: 0 }
  .home--v4 .v4-identity-row,
  .home--v4 .v4-estimator-head,
  .home--v4 .v4-how-head,
  .home--v4 .v4-how-item-inner,
  .home--v4 .v4-recip-head,
  .home--v4 .v4-market-head { grid-template-columns: minmax(0, 1fr); gap: 10px }
  .home--v4 .v4-recip-cards { grid-template-columns: repeat(2, minmax(0, 1fr)) }
  .home--v4 .v4-cta-split { padding: 32px }
}
@media (max-width: 600px) {
  .home--v4 .v4-recip-cards { grid-template-columns: minmax(0, 1fr) }
  .home--v4 .v4-consent-block { border-left: 0; border-top: 2px solid var(--v4-ink); padding-left: 0; padding-top: 22px }
}