/* V21: HELOC education page; preserves the established typography and color system. */
.heloc-intro{max-width:760px}.heloc-intro p{font-size:16px;line-height:1.85}.heloc-actions{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0 8px}.heloc-actions .btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;text-decoration:none}.heloc-layout{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;align-items:stretch;margin:24px 0 0}.heloc-card{border:1px solid #dfcebb;background:#fffdf9;padding:26px 26px 22px;border-radius:8px;box-shadow:0 8px 25px rgba(46,31,18,.045)}.heloc-card h3{font-family:'Italiana',Georgia,serif;font-weight:400;font-size:29px;line-height:1.2;margin:0 0 13px;color:#211d1a}.heloc-card p,.heloc-card li{font-size:14px;line-height:1.8;color:#4c423b}.heloc-card ul{margin:10px 0 0;padding-left:19px}.heloc-card li{padding-bottom:6px}.heloc-kicker{font-size:10px;letter-spacing:.19em;text-transform:uppercase;color:#986b35;font-weight:700;margin-bottom:12px}.heloc-feature{background:#f3e9df;border-left:3px solid #b9956a;padding:22px 26px;margin:24px 0}.heloc-feature p{margin:7px 0 0;line-height:1.75}.heloc-band{background:#221d19;color:#fffaf5;padding:34px;border-radius:8px;margin:25px 0}.heloc-band h2{color:#fffaf5;margin:0 0 10px}.heloc-band p{color:#eee0d0;max-width:690px}.heloc-band .btn{margin-top:13px;background:#e3cda9;color:#211d1a;border-color:#c9a67b}.heloc-band .btn:hover{background:#d9a7a7;color:#fff;border-color:#d9a7a7}.heloc-faq details{border-bottom:1px solid #ddcdbb;padding:16px 0}.heloc-faq summary{cursor:pointer;font-weight:600;color:#241d19}.heloc-faq details p{padding:0 10px 0 0;line-height:1.8}.heloc-source{font-size:13px;color:#64584e;line-height:1.8}.heloc-source a{color:#8d673d;text-underline-offset:3px}.heloc-disclosure{border-top:1px solid #d7c2a8;padding-top:20px;margin-top:30px;color:#65584e;font-size:12px;line-height:1.75}.heloc-disclosure strong{color:#2b221c}.heloc-section-title{margin-bottom:8px}.heloc-subtitle{max-width:750px;margin-top:0}.heloc-steps{counter-reset:helocsteps;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:24px 0}.heloc-step{background:#fffdf9;border:1px solid #dfcebb;border-radius:8px;padding:22px}.heloc-step:before{counter-increment:helocsteps;content:'0' counter(helocsteps);display:block;color:#a78358;letter-spacing:.12em;font-weight:600;margin-bottom:12px}.heloc-step strong{display:block;margin-bottom:9px}.heloc-step p{margin:0;font-size:13px;line-height:1.7}.heloc-table{width:100%;border-collapse:collapse;font-size:13px}.heloc-table th,.heloc-table td{border-bottom:1px solid #dfcebb;text-align:left;padding:14px 12px;vertical-align:top;line-height:1.65}.heloc-table th{background:#eee3d5;font-weight:600}.heloc-table td:first-child{font-weight:600}.heloc-table-wrap{overflow-x:auto;margin:20px 0 30px}.heloc-table{min-width:520px}@media(max-width:760px){.heloc-layout,.heloc-steps{grid-template-columns:1fr}.heloc-card{padding:22px}.heloc-band{padding:26px}.heloc-actions .btn{width:100%}}