/* Shared public-site shell. Brand assets stay unchanged; controls use a
   quieter complementary palette, separate from logos and status colors. */
body.md-public, body.vora-public {
  --control-fill: #536B7A;
  --control-hover: #405968;
  --control-ink: #354B59;
  --control-tint: #EDEFEF;
  --menu-surface: #FAF9F7;
  --menu-line: #DEDCD5;
}
body.vora-public {
  --control-fill: #55746B;
  --control-hover: #405C54;
  --control-ink: #3F5C52;
  --control-tint: #EDF2EE;
}
/* Public pages start with useful headings, not a second decorative label.
   Keep this at presentation level so already-published CMS landings follow the
   same rule without rewriting saved content. Never target generic labels,
   headings, field captions, portal tasks or disclosures. */
body:is(.md-public, .vora-public) :is(
  .md-lp-eyebrow, .mdr-eyebrow, .pm-eyebrow, .vre-eyebrow,
  .calcs-eyebrow, .intake-eyebrow, .amp-kicker, .mdc-kicker,
  .division-page .division-label
):not([data-public-status]) {
  display: none !important;
}
.public-tools-menu { position: relative; }
.public-tools-menu summary { list-style: none; cursor: pointer; display: flex; align-items: center; gap: 8px; min-height: 38px; padding: 0 12px; border-radius: 7px; color: var(--text-soft, #52677C); font-size: 14px; font-weight: 600; }
.public-tools-menu summary::-webkit-details-marker { display: none; }
.public-tools-menu[open] summary { color: var(--brand-primary-hover, #3038A8); background: var(--brand-primary-soft, #EEF0FF); }
.public-tools-menu > nav { position: absolute; top: calc(100% + 10px); left: 0; z-index: 110; display: grid; min-width: 220px; padding: 8px; border: 1px solid var(--border, #DDE5EC); border-radius: 12px; background: #fff; box-shadow: 0 10px 30px rgba(16,36,58,.10); }
.public-tools-menu > nav a { min-height: 44px; }
.nav-primary-v3 .public-nav-crosslink { border-left: 1px solid var(--border, #DDE5EC); border-radius: 0; margin-left: 8px; gap: 8px; }
.nav-drawer .public-menu-group { min-width: 0; margin: 0; padding: 0; border: 0; background: none; }
.public-menu-heading { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 8px; }
.nav-drawer .public-menu-heading h2 { margin: 0; font-family: inherit; font-weight: 650; font-size: 14px; line-height: 1.5; color: var(--text-soft, #52677C); letter-spacing: 0; }
.public-menu-heading > a { min-height: 36px; display: inline-flex; align-items: center; gap: 6px; color: var(--brand-primary-hover, #3038A8); text-decoration: none; font-size: 14px; font-weight: 600; }
.public-menu-group nav { display: grid; gap: 2px; }
.public-menu-group nav a { min-width: 0; display: flex; align-items: center; justify-content: space-between; gap: 8px; min-height: 44px; padding: 8px 10px; border-radius: 8px; font-size: 15px; line-height: 1.4; color: var(--text, #10243A); text-decoration: none; transition: background .16s, border-color .16s; }
.public-menu-group nav a:hover, .public-menu-group nav a[aria-current] { color: var(--brand-primary-hover, #3038A8); background: var(--brand-primary-soft, #EEF0FF); }
.public-menu-group nav a > span:last-child:not(:first-child) { flex-shrink: 0; color: var(--brand-primary, #4353E8); }
.public-menu-group .public-menu-crosslink { color: var(--brand-primary-hover, #3038A8); font-weight: 600; }
.public-menu-columns { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; border-top: 1px solid var(--border, #DDE5EC); padding-top: 20px; margin-top: 22px; }
.public-menu-calculators .public-calculator-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; }
.public-calculator-grid a { border: 1px solid var(--border, #DDE5EC); background: #fff; }
.nav-drawer .public-calculator-grid a { min-height: 70px; padding: 11px 12px; align-items: flex-start; }
.public-calculator-grid a:hover, .public-calculator-grid a[aria-current] { border-color: var(--brand-primary, #4353E8); }
.public-calculator-grid strong { display: block; font-size: 14px; font-weight: 650; }
.public-calculator-grid small { display: block; margin-top: 4px; color: var(--text-soft, #52677C); font-size: 13px; line-height: 1.4; }
.public-menu-search { display: flex; align-items: center; gap: 9px; padding: 0 12px; border: 1px solid var(--border, #DDE5EC); border-radius: 10px; color: var(--text-soft, #52677C); background: var(--bg, #F4F7FA); margin-bottom: 16px; }
.public-menu-search:focus-within { outline: 2px solid var(--brand-primary, #4353E8); outline-offset: 2px; }
.nav-drawer .public-menu-search input { width: 100%; min-width: 0; height: 46px; padding: 0; border: 0; border-radius: 0; outline: none; box-shadow: none; font: inherit; font-size: 16px; background: transparent; color: var(--text, #10243A); }
.public-menu-search input::placeholder { color: var(--text-soft, #52677C); opacity: 1; }
.public-menu-empty { font-size: 16px; line-height: 1.6; color: var(--text-soft, #52677C); }
.public-menu-search-status { position: absolute; width: 1px; height: 1px; overflow: hidden; clip-path: inset(50%); }
.nav-drawer [hidden] { display: none !important; }
.public-tools-menu summary:focus-visible, .nav-drawer a:focus-visible, .nav-drawer button:focus-visible, .public-calculator-shortcut:focus-visible { outline: 2px solid var(--brand-primary, #4353E8); outline-offset: 3px; }
.public-calculator-shortcut { display: none; align-items: center; gap: 6px; min-height: 44px; padding: 0 10px; border: 1px solid var(--border, #DDE5EC); border-radius: 8px; background: var(--brand-primary-soft, #EEF0FF); color: var(--brand-primary-hover, #3038A8); font-size: 14px; font-weight: 650; text-decoration: none; white-space: nowrap; }
.public-calculator-shortcut:hover { border-color: var(--brand-primary, #4353E8); }
.nav.nav-v3 {
  height: 74px;
  min-height: 74px;
  background: rgba(255, 255, 255, .97);
  border-bottom: 1px solid var(--border, #DDE5EC);
  box-shadow: none;
}

.nav-v3 .nav-inner,
body.mdr-home-page .nav-v3 .nav-inner {
  width: min(1480px, calc(100% - 40px));
  max-width: none;
  height: 74px;
  min-height: 74px;
  margin: 0 auto;
  padding: 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}

.nav-v3 .nav-logo {
  width: 214px;
  min-width: 214px;
  height: 52px;
  display: inline-flex;
  align-items: center;
  flex: 0 0 214px;
  overflow: visible;
}

.nav-v3 .nav-logo .mdr-brand,
.nav-v3 .nav-logo .mdr-brand img {
  max-width: 100%;
}

.nav-v3 .nav-logo .mdr-brand img {
  width: 200px !important;
  height: auto !important;
}

.nav-v3 .nav-logo .public-logo-vora {
  width: 190px;
  height: 52px;
  display: block;
  object-fit: contain;
  object-position: left center;
}

.nav-primary-v3 {
  min-width: 0;
  flex: 0 1 auto;
  margin-left: auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2px;
  padding: 3px;
}

.nav-primary-v3 a,
.nav-phone-v3,
.nav-signin-v3,
.nav-apply-v3,
.nav-burger {
  white-space: nowrap;
  flex-shrink: 0;
}

.nav-primary-v3 a {
  min-height: 38px;
  padding: 0 11px;
  display: inline-flex;
  align-items: center;
  border-radius: 7px;
  color: var(--text-soft, #52677C);
  font-size: 13px;
  font-weight: 650;
  text-decoration: none;
}

.nav-primary-v3 a:hover,
.nav-primary-v3 a[aria-current="page"] {
  color: var(--brand-primary-hover, #3038A8);
  background: var(--brand-primary-soft, #EEF0FF);
}
.nav-primary-v3 .public-nav-calculators { gap: 7px; color: var(--brand-primary-hover, #3038A8); background: var(--brand-primary-soft, #EEF0FF); }

.nav-v3 .nav-right {
  display: flex;
  align-items: center;
  gap: 10px;
  flex: 0 0 auto;
}

.nav-phone-v3,
.nav-signin-v3 {
  min-height: 38px;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 0 9px;
  color: var(--text-soft, #52677C);
  font-size: 13px;
  font-weight: 650;
  text-decoration: none;
}

.nav-apply-v3,
body.mdr-home-page .nav-apply-v3 {
  min-height: 42px;
  padding: 0 18px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 7px;
  color: #fff;
  background: var(--brand-primary, #4353E8);
  font-family: inherit;
  font-size: 13px;
  font-weight: 800;
  line-height: 1;
  box-shadow: none;
  cursor: pointer;
}

.nav-burger,
body.mdr-home-page .nav-burger {
  min-height: 40px;
  padding: 0 13px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: 1px solid var(--border, #DDE5EC);
  border-radius: 7px;
  color: var(--text, #10243A);
  background: var(--bg, #F4F7FA);
  font-family: inherit;
  font-size: 13px;
  font-weight: 700;
  cursor: pointer;
}

.nav-burger-lines {
  width: 17px;
  height: 13px;
  display: inline-flex;
  flex-direction: column;
  justify-content: center;
  gap: 3px;
}

.nav-burger-lines i {
  width: 100%;
  height: 2px;
  display: block;
  border-radius: 999px;
  background: currentColor;
}

html.public-nav-lock, body.nav-drawer-open { overflow: hidden; }

.nav-drawer-overlay {
  position: fixed;
  inset: 0;
  z-index: 10000;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  background: rgba(16, 36, 58, .26);
  backdrop-filter: blur(2px);
  transition: opacity 220ms ease, visibility 0s linear 220ms;
}

.nav-drawer {
  position: fixed;
  z-index: 10010;
  top: 0;
  right: 0;
  bottom: 0;
  width: min(490px, 100%);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  isolation: isolate;
  visibility: hidden;
  transform: translateX(102%);
  color: var(--text, #10243A);
  background: #fff;
  box-shadow: -22px 0 56px rgba(15, 23, 42, .20);
  transition: transform 300ms cubic-bezier(.32, .72, 0, 1), visibility 0s linear 300ms;
}

body.nav-drawer-open .nav-drawer-overlay {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transition-delay: 0s;
}

body.nav-drawer-open .nav-drawer {
  visibility: visible;
  transform: translateX(0);
  transition-delay: 0s;
}

.public-drawer-head {
  min-height: 74px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 10px 24px;
  border-bottom: 1px solid var(--border, #DDE5EC);
  flex-shrink: 0;
  background: #fff;
}

.public-drawer-head img {
  width: 190px;
  height: 50px;
  object-fit: contain;
  object-position: left center;
}

.public-drawer-close {
  width: 44px;
  height: 44px;
  flex: 0 0 44px;
  display: grid;
  place-items: center;
  border: 1px solid var(--border, #DDE5EC);
  border-radius: 7px;
  color: var(--text-soft, #52677C);
  background: var(--bg, #F4F7FA);
  font-family: inherit;
  font-size: 26px;
  line-height: 1;
  cursor: pointer;
}

.public-drawer-body { flex: 1; min-height: 0; overflow-y: auto; overscroll-behavior: contain; padding: 18px 22px 24px; scrollbar-gutter: stable; }
.public-drawer-foot { flex: 0 0 auto; padding: 14px 22px max(14px, env(safe-area-inset-bottom)); border-top: 1px solid var(--border, #DDE5EC); background: #fff; }
.public-drawer-help { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 4px 12px; margin-bottom: 8px; }
.public-drawer-help a { display: inline-flex; align-items: center; min-height: 36px; font-size: 13px; color: var(--text-soft, #52677C); text-decoration: none; }
.public-drawer-foot-meta { margin-top: 8px; color: var(--text-soft, #52677C); font-size: 12px; text-align: center; }
.public-drawer-preview { margin: 0; font-size: 13px; line-height: 1.5; color: var(--text-soft, #52677C); }
.public-drawer-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.public-drawer-actions-single { grid-template-columns: 1fr; }
.public-full-application { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 3px; min-height: 54px; padding: 8px; border: 1px solid var(--border, #DDE5EC); border-radius: 7px; text-decoration: none; color: var(--brand-primary-hover, #3038A8); background: var(--brand-primary-soft, #EEF0FF); text-align: center; }
.public-full-application strong { font-size: 14px; font-weight: 650; }
.public-full-application small { font-size: 12px; line-height: 1.4; color: var(--text-soft, #52677C); }
body.md-public .public-application-link { margin: 14px 0; color: var(--text-soft, #52677C); font-size: 15px; line-height: 1.6; }
.public-application-link a { display: inline-flex; align-items: center; min-height: 44px; color: var(--brand-primary-hover, #3038A8); font-weight: 650; text-underline-offset: 4px; }
.public-application-link a:focus-visible { outline: 2px solid var(--brand-primary, #4353E8); outline-offset: 3px; }
.public-drawer-label {
  margin: 0 0 9px;
  color: var(--text-muted, #65758A);
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .08em;
}

.public-drawer-links {
  display: grid;
  margin-bottom: 24px;
  border-top: 1px solid var(--border, #DDE5EC);
}

.public-drawer-links a {
  min-height: 50px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 10px 0;
  border-bottom: 1px solid var(--border, #DDE5EC);
  color: var(--text, #10243A);
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
}

.public-drawer-links a::after { content: "\2192"; color: var(--text-muted, #65758A); }

.public-drawer-cta {
  min-height: 48px;
  width: 100%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 7px;
  color: #fff;
  background: var(--brand-primary, #4353E8);
  font-family: inherit;
  font-size: 14px;
  font-weight: 650;
  text-decoration: none;
  gap: 8px;
  cursor: pointer;
}

@media (max-width: 1420px) {
  .nav-v3 .nav-inner,
  body.mdr-home-page .nav-v3 .nav-inner { width: min(100% - 32px, 1380px); gap: 12px; }
  .nav-phone-v3 span { display: none; }
  .nav-primary-v3 a { padding-inline: 10px; }
}

@media (max-width: 1280px) {
  .nav-primary-v3 { display: none; }
  .public-calculator-shortcut { display: inline-flex; }
  .nav-v3 .nav-inner,
  body.mdr-home-page .nav-v3 .nav-inner { width: min(100% - 32px, 1180px); }
}

@media (max-width: 720px) {
  .nav.nav-v3,
  body.mdr-home-page .nav.nav-v3,
  .nav-v3 .nav-inner,
  body.mdr-home-page .nav-v3 .nav-inner {
    height: 66px;
    min-height: 66px;
  }
  .nav-v3 .nav-inner,
  body.mdr-home-page .nav-v3 .nav-inner { width: calc(100% - 24px); gap: 8px; }
  .nav-v3 .nav-logo { width: 166px; min-width: 166px; height: 44px; flex-basis: 166px; }
  .nav-v3 .nav-logo .mdr-brand img { width: 158px !important; }
  .nav-v3 .nav-logo .public-logo-vora { width: 156px; height: 42px; }
  .nav-signin-v3 { display: none; }
  .nav-apply-v3,
  body.mdr-home-page .nav-apply-v3 { min-height: 38px; padding: 0 13px; }
  .nav-burger,
  body.mdr-home-page .nav-burger { min-height: 44px; padding: 0 12px; }
  .nav-burger-lbl { display: none; }
}

@media (max-width: 520px) {
  .nav-apply-v3,
  body.mdr-home-page .nav-apply-v3 { display: none; }
  .nav-phone-v3 { display: none; }
  .nav-v3 .nav-right { gap: 8px; }
  .public-calculator-shortcut { padding: 0 8px; }
  .public-calculator-shortcut svg { display: none; }
  .public-drawer-head { padding: 10px 18px; }
  .public-drawer-body { padding: 14px 16px 20px; }
  .public-drawer-foot { padding-inline: 16px; }
  .public-menu-columns { gap: 8px; }
  .public-menu-group nav a { padding-inline: 8px; font-size: 14px; }
  .nav-drawer .public-calculator-grid a { padding: 10px; }
}

@media (max-width: 380px) {
  .nav-phone-v3 { display: none; }
  .nav-v3 .nav-logo { width: 136px; min-width: 136px; flex-basis: 136px; }
  .nav-v3 .nav-logo .public-logo-vora { width: 146px; }
}

@media (prefers-reduced-motion: reduce) {
  .nav-drawer, .nav-drawer-overlay, .public-menu-group nav a { transition: none; }
}

/* Warm, low-saturation navigation. Keep page canvases and logo art intact. */
body:is(.md-public, .vora-public) :is(.nav-v3, .nav-drawer) {
  --brand-primary: var(--control-fill);
  --brand-primary-hover: var(--control-ink);
  --brand-primary-soft: var(--control-tint);
  --border: var(--menu-line);
  --bg: var(--menu-surface);
  background: var(--menu-surface);
}
body:is(.md-public, .vora-public) :is(.public-drawer-head, .public-drawer-foot) {
  background: var(--menu-surface);
}
body:is(.md-public, .vora-public) .nav-drawer {
  box-shadow: -16px 0 48px rgba(55, 61, 61, .12);
}
body:is(.md-public, .vora-public) .nav-drawer-overlay {
  background: rgba(49, 58, 60, .20);
}
body:is(.md-public, .vora-public) .nav-primary-v3 a:is(:hover, [aria-current="page"]) {
  color: var(--control-ink);
  background: var(--control-tint);
}
body:is(.md-public, .vora-public) :is(.nav-burger, .public-drawer-close, .public-menu-search) {
  background: #fff;
  border-color: var(--menu-line);
}
body:is(.md-public, .vora-public) :is(.public-full-application, .public-calculator-shortcut) {
  color: var(--control-ink);
  background: var(--control-tint);
  border-color: var(--menu-line);
}
body:is(.md-public, .vora-public) .public-application-link a { color: var(--control-ink); }
/* These shared action classes have page-specific overrides. Scope important
   only to their paint, not layout, disabled states, or semantic alert buttons. */
body:is(.md-public, .vora-public) :is(.nav-apply-v3, .public-drawer-cta, .mdr-button-primary, .md-lp-primary, .division-button, .pp-btn-primary, .mdcc-btn.primary, .btn-primary, .btn-mega, .btn-cta-block, .calc-rate-context > a, .vre-button.dark) {
  background: var(--control-fill) !important;
  color: #fff !important;
  border-color: var(--control-fill);
  box-shadow: 0 2px 6px rgba(49, 58, 60, .10) !important;
  font-weight: 650;
}
body:is(.md-public, .vora-public) :is(.nav-apply-v3, .public-drawer-cta, .mdr-button-primary, .md-lp-primary, .division-button, .pp-btn-primary, .mdcc-btn.primary, .btn-primary, .btn-mega, .btn-cta-block, .calc-rate-context > a, .vre-button.dark):hover {
  background: var(--control-hover) !important;
  box-shadow: 0 3px 9px rgba(49, 58, 60, .13) !important;
}
body:is(.md-public, .vora-public) :is(.nav-v3, .nav-drawer) :focus-visible {
  outline-color: var(--control-fill);
}
body:is(.md-public, .vora-public) .md-lp-secondary {
  color: var(--control-ink);
  background: var(--control-tint);
  border-color: var(--menu-line);
}

/* Commercial navigation: color-coded destinations, aligned compact controls. */
body.md-public #siteNav.nav-commercial{background:linear-gradient(105deg,#f7f8ff 0%,#fff 50%,#edf8f7 100%);border-top:3px solid #4353e8;border-bottom:1px solid #dbe4f1}
body.md-public #siteNav.nav-commercial .nav-inner{gap:14px;min-height:68px;padding-top:10px;padding-bottom:10px}
body.md-public #siteNav.nav-commercial .nav-primary-v3{gap:7px}
body.md-public #siteNav.nav-commercial .nav-primary-v3>a{min-height:40px;display:inline-flex;align-items:center;border:1px solid transparent;border-radius:8px;padding:9px 12px;color:#3038a8;background:#eef0ff;transition:background .18s ease,border-color .18s ease}
body.md-public #siteNav.nav-commercial .nav-primary-v3>a.public-nav-calculators{color:#09665e;background:#e6f5ef}
body.md-public #siteNav.nav-commercial .nav-primary-v3>a.public-nav-crosslink{color:#805420;background:#fff3dc;border-color:#f2e2bf}
body.md-public #siteNav.nav-commercial .nav-primary-v3>a[aria-current=page]{border-color:currentColor;box-shadow:inset 0 -2px currentColor}
body.md-public #siteNav.nav-commercial .nav-right{gap:10px;align-items:center}
body.md-public #siteNav.nav-commercial .nav-apply-v3{background:#4353e8;color:#fff;min-height:42px;display:inline-flex;align-items:center;gap:16px;padding:10px 20px;border-radius:8px;box-shadow:0 3px 8px #4353e823}
body.md-public #siteNav.nav-commercial .nav-apply-v3:hover{background:#3038a8}
body.md-public #siteNav.nav-commercial .nav-signin-v3{color:#3038a8}
body.md-public #siteNav.nav-commercial .nav-burger{min-height:42px;background:#edf5fb;border-color:#ceddea;color:#16394c}
body.md-public #siteNav.nav-commercial a:focus-visible,body.md-public #siteNav.nav-commercial button:focus-visible{outline:3px solid #4353e8;outline-offset:3px}
@media(max-width:640px){body.md-public #siteNav.nav-commercial .nav-inner{gap:8px;min-height:60px;padding:9px 14px}body.md-public #siteNav.nav-commercial .nav-right{gap:7px}body.md-public #siteNav.nav-commercial .nav-apply-v3{padding:9px 13px;gap:6px}body.md-public #siteNav.nav-commercial .nav-signin-v3{display:none}}
@media(prefers-reduced-motion:reduce){body.md-public #siteNav.nav-commercial a{transition:none}}
body.md-public #siteNav.nav-commercial .nav-apply-v3{background:#4353e8!important;border-color:#4353e8!important;color:#fff!important}
body.md-public #siteNav.nav-commercial .nav-apply-v3:hover{background:#3038a8!important}
@media(max-width:520px){body.md-public #siteNav.nav-commercial .nav-inner{width:100%;box-sizing:border-box;padding-inline:12px}body.md-public #siteNav.nav-commercial .nav-logo{width:138px;min-width:138px;flex-basis:138px}body.md-public #siteNav.nav-commercial .public-calculator-shortcut{display:none}}
/* The approved MD mark is the complete logo; no adjacent wordmark. */
body.md-public .nav-v3 .nav-logo:has(.mdr-brand-icononly){width:76px;min-width:76px;flex-basis:76px}
body.md-public .nav-v3 .nav-logo .mdr-brand-icononly{width:64px}