.elementor-4278 .elementor-element.elementor-element-6e13a23{padding:0px 0px 0px 0px;}.elementor-4278 .elementor-element.elementor-element-58a63ff > .elementor-element-populated{padding:0px 0px 0px 0px;}/* Start custom CSS for html, class: .elementor-element-57e41b1 *//* =========================================
   IMPACT LOANS
   REFINANCE BLOG
========================================= */

.impact-refi-blog {
    --impact-black: #090909;
    --impact-dark: #151515;
    --impact-green: #00a95c;
    --impact-green-dark: #00884a;
    --impact-green-soft: #eaf8f1;
    --impact-light: #f6f7f7;
    --impact-border: #e4e7e5;
    --impact-text: #363a38;
    --impact-muted: #747a77;

    font-family: Arial, Helvetica, sans-serif;
    color: var(--impact-text);
    background: #ffffff;
    line-height: 1.7;
}

.impact-refi-blog *,
.impact-refi-blog *::before,
.impact-refi-blog *::after {
    box-sizing: border-box;
}

.refi-container {
    width: min(1140px, calc(100% - 40px));
    margin: 0 auto;
}


/* =========================================
   HERO
========================================= */

.refi-hero {
    position: relative;
    overflow: hidden;
    padding: 115px 0 120px;

    background:
        radial-gradient(
            circle at 84% 36%,
            rgba(0, 169, 92, 0.22),
            transparent 27%
        ),
        linear-gradient(
            130deg,
            #080808 0%,
            #111312 63%,
            #171a18 100%
        );
}

.refi-hero::before {
    content: "";
    position: absolute;
    width: 480px;
    height: 480px;
    right: -130px;
    top: -160px;

    border: 1px solid rgba(255,255,255,.07);
    border-radius: 50%;
}

.refi-hero::after {
    content: "";
    position: absolute;
    width: 330px;
    height: 330px;
    right: 30px;
    bottom: -200px;

    border: 1px solid rgba(0,169,92,.35);
    border-radius: 50%;
}

.refi-hero .refi-container {
    position: relative;
    z-index: 2;
}

.refi-category {
    display: inline-flex;
    align-items: center;
    gap: 12px;

    margin-bottom: 22px;

    color: #74d9a4;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 2.3px;
}

.refi-category::before {
    content: "";
    width: 40px;
    height: 2px;
    background: var(--impact-green);
}

.refi-hero h1 {
    max-width: 900px;
    margin: 0;

    color: #ffffff;
    font-size: clamp(42px, 5.2vw, 69px);
    font-weight: 700;
    line-height: 1.07;
    letter-spacing: -2px;
}

.refi-hero h1 span {
    display: block;

    margin-top: 13px;

    color: #bdc2bf;
    font-weight: 400;
}

.refi-hero-text {
    max-width: 750px;
    margin: 30px 0 0;

    color: #c5cbc7;
    font-size: 18px;
    line-height: 1.8;
}

.refi-hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;

    margin-top: 38px;
}

.refi-primary-btn,
.refi-secondary-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;

    min-height: 52px;
    padding: 0 28px;

    border-radius: 4px;

    font-size: 14px;
    font-weight: 700;
    text-decoration: none;

    transition: .25s ease;
}

.refi-primary-btn {
    background: var(--impact-green);
    color: #ffffff;
}

.refi-primary-btn:hover {
    background: var(--impact-green-dark);
    transform: translateY(-2px);
}

.refi-secondary-btn {
    border: 1px solid rgba(255,255,255,.3);
    color: #ffffff;
}

.refi-secondary-btn:hover {
    background: #ffffff;
    color: #111111;
}


/* =========================================
   ARTICLE
========================================= */

.refi-article {
    padding-top: 80px;
    padding-bottom: 90px;
}


/* =========================================
   INTRO
========================================= */

.refi-intro {
    display: grid;
    grid-template-columns: 180px 1fr;
    gap: 45px;

    max-width: 960px;
    margin: 0 auto 55px;

    padding: 45px;

    border: 1px solid var(--impact-border);
    background: #ffffff;
}

.refi-intro-label span {
    display: inline-block;

    padding: 9px 15px;

    background: var(--impact-green-soft);
    color: var(--impact-green-dark);

    font-size: 11px;
    font-weight: 700;
    letter-spacing: 1.7px;
}

.refi-intro-content h2 {
    margin: 0 0 18px;

    color: var(--impact-black);
    font-size: 32px;
    line-height: 1.2;
}

.refi-intro-content p {
    margin: 0 0 15px;
}

.refi-intro-content p:last-child {
    margin-bottom: 0;
}


/* =========================================
   QUESTION
========================================= */

.refi-question {
    display: grid;
    grid-template-columns: 65px 1fr;
    gap: 25px;
    align-items: center;

    max-width: 960px;
    margin: 0 auto 95px;

    padding: 30px 34px;

    background: var(--impact-light);
    border-left: 4px solid var(--impact-green);
}

.question-mark {
    display: flex;
    justify-content: center;
    align-items: center;

    width: 58px;
    height: 58px;

    border-radius: 50%;

    background: var(--impact-green);
    color: #ffffff;

    font-size: 29px;
    font-weight: 700;
}

.refi-question span {
    color: var(--impact-green-dark);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 1.7px;
}

.refi-question h3 {
    margin: 4px 0 6px;

    color: var(--impact-black);
    font-size: 22px;
}

.refi-question p {
    margin: 0;
    color: var(--impact-muted);
}


/* =========================================
   HEADING
========================================= */

.refi-signs {
    max-width: 960px;
    margin: 0 auto;
}

.refi-section-heading {
    max-width: 700px;
    margin-bottom: 45px;
}

.refi-section-heading > span,
.decision-heading > span {
    display: block;

    margin-bottom: 10px;

    color: var(--impact-green);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 2px;
}

.refi-section-heading h2,
.decision-heading h2 {
    margin: 0 0 15px;

    color: var(--impact-black);
    font-size: clamp(32px, 4vw, 44px);
    line-height: 1.15;
}

.refi-section-heading p,
.decision-heading p {
    margin: 0;

    color: var(--impact-muted);
    font-size: 17px;
}


/* =========================================
   REFINANCE CARDS
========================================= */

.refi-card {
    position: relative;

    margin-bottom: 22px;
    padding: 38px 40px;

    background: #ffffff;
    border: 1px solid var(--impact-border);

    transition:
        transform .25s ease,
        box-shadow .25s ease,
        border-color .25s ease;
}

.refi-card:hover {
    transform: translateY(-3px);

    border-color: rgba(0,169,92,.4);

    box-shadow:
        0 18px 45px rgba(0,0,0,.06);
}

.refi-card-top {
    display: flex;
    justify-content: space-between;
    align-items: center;

    margin-bottom: 20px;
}

.refi-number {
    color: var(--impact-green);
    font-size: 40px;
    font-weight: 700;
    line-height: 1;
}

.refi-tag {
    padding: 7px 11px;

    background: var(--impact-light);
    color: #757b78;

    font-size: 10px;
    font-weight: 700;
    letter-spacing: 1.2px;
}

.refi-card h3 {
    margin: 0 0 14px;

    color: var(--impact-black);
    font-size: 25px;
    line-height: 1.25;
}

.refi-card p {
    margin: 0 0 13px;
}

.refi-note {
    margin-top: 21px;
    padding: 17px 19px;

    background: var(--impact-green-soft);
    border-left: 3px solid var(--impact-green);
}

.refi-note strong {
    color: var(--impact-green-dark);
}

.refi-warning {
    margin-top: 22px;
    padding: 18px 20px;

    background: #f5f5f5;
    border-left: 3px solid #292929;

    color: #444946;
}


/* =========================================
   TERM OPTIONS
========================================= */

.term-options {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 15px;

    margin-top: 23px;
}

.term-option {
    padding: 22px;

    background: var(--impact-light);
    border-top: 3px solid var(--impact-green);
}

.term-option strong {
    display: block;

    margin-bottom: 7px;

    color: var(--impact-black);
    font-size: 16px;
}

.term-option p {
    margin: 0;

    color: var(--impact-muted);
    font-size: 14px;
}


/* =========================================
   DECISION SECTION
========================================= */

.refi-decision {
    max-width: 960px;
    margin: 100px auto 0;

    padding: 55px;

    background: var(--impact-light);
}

.decision-heading {
    max-width: 690px;
    margin-bottom: 35px;
}

.decision-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
}

.decision-item {
    display: grid;
    grid-template-columns: 46px 1fr;
    gap: 15px;

    padding: 20px;

    background: #ffffff;
    border: 1px solid var(--impact-border);
}

.decision-item > span {
    display: flex;
    justify-content: center;
    align-items: center;

    width: 39px;
    height: 39px;

    border-radius: 50%;

    background: var(--impact-green-soft);
    color: var(--impact-green-dark);

    font-size: 11px;
    font-weight: 700;
}

.decision-item strong {
    display: block;

    margin-bottom: 5px;

    color: var(--impact-black);
    font-size: 15px;
}

.decision-item p {
    margin: 0;

    color: var(--impact-muted);
    font-size: 13px;
    line-height: 1.55;
}


/* =========================================
   CTA
========================================= */

.refi-cta {
    position: relative;

    display: grid;
    grid-template-columns: 1fr 250px;

    max-width: 960px;
    margin: 80px auto 0;

    overflow: hidden;

    padding: 58px;

    background: var(--impact-black);
}

.refi-cta-content {
    position: relative;
    z-index: 2;
}

.refi-cta-content > span {
    color: #68d39c;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 2px;
}

.refi-cta h2 {
    max-width: 590px;

    margin: 12px 0 18px;

    color: #ffffff;
    font-size: clamp(30px, 4vw, 42px);
    line-height: 1.15;
}

.refi-cta p {
    max-width: 600px;

    margin: 0;

    color: #bdc4c0;
}

.refi-cta-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;

    margin-top: 30px;
}

.refi-cta-primary,
.refi-cta-secondary {
    display: inline-flex;
    justify-content: center;
    align-items: center;

    min-height: 50px;
    padding: 0 23px;

    border-radius: 3px;

    font-size: 13px;
    font-weight: 700;
    text-decoration: none;

    transition: .25s ease;
}

.refi-cta-primary {
    background: var(--impact-green);
    color: #ffffff;
}

.refi-cta-primary:hover {
    background: var(--impact-green-dark);
}

.refi-cta-secondary {
    border: 1px solid #555d59;
    color: #ffffff;
}

.refi-cta-secondary:hover {
    border-color: #ffffff;
}


/* =========================================
   CTA HOUSE GRAPHIC
========================================= */

.refi-cta-graphic {
    position: relative;
    min-height: 250px;
}

.house-shape {
    position: absolute;
    top: 50%;
    left: 50%;

    width: 160px;
    height: 150px;

    transform: translate(-50%, -50%);
}

.house-roof {
    position: absolute;
    top: 5px;
    left: 23px;

    width: 115px;
    height: 115px;

    transform: rotate(45deg);

    border: 2px solid rgba(0,169,92,.5);
}

.house-body {
    position: absolute;
    left: 32px;
    bottom: 0;

    display: flex;
    justify-content: center;
    align-items: center;

    width: 100px;
    height: 90px;

    background: var(--impact-black);
    border: 2px solid rgba(255,255,255,.15);
}

.house-body span {
    color: rgba(255,255,255,.13);
    font-size: 65px;
    font-weight: 700;
}


/* =========================================
   DISCLAIMER
========================================= */

.refi-disclaimer {
    max-width: 900px;
    margin: 30px auto 0;

    color: #8a8f8c;
    font-size: 12px;
    line-height: 1.65;
}


/* =========================================
   TABLET
========================================= */

@media (max-width: 800px) {

    .refi-hero {
        padding: 80px 0;
    }

    .refi-hero h1 {
        letter-spacing: -1px;
    }

    .refi-intro {
        grid-template-columns: 1fr;
        gap: 20px;

        padding: 30px;
    }

    .refi-question {
        grid-template-columns: 1fr;

        padding: 28px;
    }

    .decision-grid {
        grid-template-columns: 1fr;
    }

    .refi-decision {
        padding: 38px 28px;
    }

    .refi-cta {
        grid-template-columns: 1fr;

        padding: 42px 30px;
    }

    .refi-cta-graphic {
        display: none;
    }
}


/* =========================================
   MOBILE
========================================= */

@media (max-width: 550px) {

    .refi-container {
        width: calc(100% - 26px);
    }

    .refi-hero {
        padding: 65px 0;
    }

    .refi-hero-actions,
    .refi-cta-actions {
        flex-direction: column;
    }

    .refi-primary-btn,
    .refi-secondary-btn,
    .refi-cta-primary,
    .refi-cta-secondary {
        width: 100%;
    }

    .refi-article {
        padding-top: 50px;
    }

    .refi-intro {
        padding: 25px;
    }

    .refi-card {
        padding: 27px 24px;
    }

    .refi-card-top {
        align-items: flex-start;
        gap: 15px;
    }

    .term-options {
        grid-template-columns: 1fr;
    }

    .refi-decision {
        margin-top: 70px;
    }

}/* End custom CSS */