.ocean-home-loans {
        --ocean-navy: #171852;
        --ocean-blue: #247fa3;
        --ocean-light: #f3f8fa;
        --ocean-border: #d8e5eb;
        --ocean-text: #26343d;
        --ocean-white: #ffffff;
        --ocean-radius: 12px;

        max-width: 1180px;
        margin: 0 auto;
        padding: 0 22px 60px;
        color: var(--ocean-text);
        font-family: inherit;
        line-height: 1.65;
    }

    .ocean-home-loans * {
        box-sizing: border-box;
    }

    .ocean-home-loans h1,
    .ocean-home-loans h2,
    .ocean-home-loans h3 {
        color: var(--ocean-navy);
        line-height: 1.25;
        margin-top: 0;
    }

    .ocean-home-loans h1 {
        max-width: 850px;
        margin-bottom: 22px;
        font-size: clamp(2.25rem, 5vw, 4rem);
    }

    .ocean-home-loans h2 {
        margin-bottom: 18px;
        font-size: clamp(1.75rem, 3vw, 2.5rem);
    }

    .ocean-home-loans h3 {
        margin-bottom: 10px;
        font-size: 1.2rem;
    }

    .ocean-home-loans p {
        margin-top: 0;
        margin-bottom: 18px;
    }

    .ohl-hero {
        margin-bottom: 60px;
        padding: clamp(38px, 7vw, 75px);
        border-radius: var(--ocean-radius);
        background: var(--ocean-light);
    }

    .ohl-eyebrow {
        margin-bottom: 14px !important;
        color: var(--ocean-blue);
        font-size: 0.92rem;
        font-weight: 700;
        letter-spacing: 0.08em;
        text-transform: uppercase;
    }

    .ohl-intro {
        max-width: 850px;
        font-size: 1.15rem;
    }

    .ohl-buttons {
        display: flex;
        flex-wrap: wrap;
        gap: 14px;
        margin-top: 30px;
    }

    .ohl-button {
        display: inline-block;
        padding: 14px 24px;
        border: 2px solid var(--ocean-navy);
        border-radius: 7px;
        background: var(--ocean-navy);
        color: var(--ocean-white) !important;
        font-weight: 700;
        line-height: 1.25;
        text-align: center;
        text-decoration: none !important;
        transition: transform 0.2s ease, opacity 0.2s ease;
    }

    .ohl-button:hover,
    .ohl-button:focus {
        color: var(--ocean-white) !important;
        opacity: 0.9;
        transform: translateY(-1px);
    }

    .ohl-button-secondary {
        background: transparent;
        color: var(--ocean-navy) !important;
    }

    .ohl-button-secondary:hover,
    .ohl-button-secondary:focus {
        background: var(--ocean-navy);
        color: var(--ocean-white) !important;
    }

    .ohl-section {
        margin-bottom: 65px;
    }

    .ohl-text-width {
        max-width: 900px;
    }

    .ohl-grid {
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 20px;
        margin-top: 30px;
    }

    .ohl-card {
        height: 100%;
        padding: 27px;
        border: 1px solid var(--ocean-border);
        border-radius: var(--ocean-radius);
        background: var(--ocean-white);
    }

    .ohl-card p {
        margin-bottom: 0;
    }

   .ohl-process {
    counter-reset: ocean-step;
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
    margin-top: 30px;
}

    .ohl-step {
        counter-increment: ocean-step;
        padding: 25px;
        border-radius: var(--ocean-radius);
        background: var(--ocean-light);
    }

    .ohl-step::before {
        content: counter(ocean-step);
        display: flex;
        align-items: center;
        justify-content: center;
        width: 40px;
        height: 40px;
        margin-bottom: 18px;
        border-radius: 50%;
        background: var(--ocean-navy);
        color: var(--ocean-white);
        font-weight: 700;
    }

    .ohl-step p {
        margin-bottom: 0;
    }

    .ohl-feature-box {
        padding: clamp(30px, 5vw, 52px);
        border-radius: var(--ocean-radius);
        background: var(--ocean-navy);
        color: var(--ocean-white);
    }

    .ohl-feature-box h2,
    .ohl-feature-box h3 {
        color: var(--ocean-white);
    }

    .ohl-feature-box .ohl-button {
        border-color: var(--ocean-white);
        background: var(--ocean-white);
        color: var(--ocean-navy) !important;
    }

    .ohl-feature-box .ohl-button:hover,
    .ohl-feature-box .ohl-button:focus {
        color: var(--ocean-navy) !important;
    }

    .ohl-feature-box .ohl-button-secondary {
        background: transparent;
        color: var(--ocean-white) !important;
    }

    .ohl-feature-box .ohl-button-secondary:hover,
    .ohl-feature-box .ohl-button-secondary:focus {
        background: var(--ocean-white);
        color: var(--ocean-navy) !important;
    }

    .ohl-faq details {
        margin-bottom: 14px;
        padding: 20px 22px;
        border: 1px solid var(--ocean-border);
        border-radius: 8px;
        background: var(--ocean-white);
    }

    .ohl-faq summary {
        color: var(--ocean-navy);
        font-weight: 700;
        cursor: pointer;
    }

    .ohl-faq details p {
        margin-top: 15px;
        margin-bottom: 0;
    }

    .ohl-contact-options {
        margin-top: 24px;
        font-size: 1rem;
    }

    .ohl-contact-options a {
        color: inherit;
        font-weight: 700;
    }

    .ohl-disclaimer {
        margin-top: 35px;
        padding-top: 22px;
        border-top: 1px solid rgba(255, 255, 255, 0.35);
        font-size: 0.82rem;
        opacity: 0.9;
    }

    @media (max-width: 900px) {
        .ohl-process {
            grid-template-columns: repeat(2, minmax(0, 1fr));
        }
    }

    @media (max-width: 650px) {
        .ocean-home-loans {
            padding-right: 15px;
            padding-left: 15px;
        }

        .ohl-hero {
            padding: 32px 24px;
        }

        .ohl-grid,
        .ohl-process {
            grid-template-columns: 1fr;
        }

        .ohl-buttons {
            display: grid;
        }

			 .ocean-homepage {
        --ocean-navy: #123b5d;
        --ocean-deep: #0d2f49;
        --ocean-blue: #247fa3;
        --ocean-sky: #dceff5;
        --ocean-light: #f3f8fa;
        --ocean-border: #d6e5eb;
        --ocean-text: #26343d;
        --ocean-muted: #5d6d77;
        --ocean-white: #ffffff;
        --ocean-radius: 14px;
        --ocean-shadow: 0 12px 35px rgba(18, 59, 93, 0.10);

        max-width: 1180px;
        margin: 0 auto;
        padding: 0 22px 65px;
        color: var(--ocean-text);
        font-family: inherit;
        line-height: 1.65;
    }

			
    .ocean-homepage * {
        box-sizing: border-box;
    }

    .ocean-homepage h1,
    .ocean-homepage h2,
    .ocean-homepage h3 {
        color: var(--ocean-navy);
        line-height: 1.2;
        margin-top: 0;
    }

    .ocean-homepage h1 {
        max-width: 900px;
        margin-bottom: 22px;
        font-size: clamp(2.4rem, 5.4vw, 4.4rem);
        letter-spacing: -0.035em;
    }

    .ocean-homepage h2 {
        margin-bottom: 18px;
        font-size: clamp(1.8rem, 3.5vw, 2.7rem);
        letter-spacing: -0.025em;
    }

    .ocean-homepage h3 {
        margin-bottom: 10px;
        font-size: 1.22rem;
    }

    .ocean-homepage p {
        margin-top: 0;
        margin-bottom: 18px;
    }

    .och-section {
        margin-bottom: 75px;
        scroll-margin-top: 110px;
    }

    .och-text-width {
        max-width: 880px;
    }

    .och-eyebrow {
        margin-bottom: 14px !important;
        color: var(--ocean-blue);
        font-size: 0.9rem;
        font-weight: 800;
        letter-spacing: 0.1em;
        text-transform: uppercase;
    }

    .och-section-intro {
        max-width: 800px;
        color: var(--ocean-muted);
        font-size: 1.08rem;
    }

    /* HERO */

    .och-hero {
        position: relative;
        overflow: hidden;
        margin-bottom: 32px;
        padding: clamp(42px, 8vw, 90px);
        border-radius: 18px;
        background:
            radial-gradient(
                circle at 92% 8%,
                rgba(255,255,255,0.24) 0,
                rgba(255,255,255,0.24) 11%,
                transparent 11.5%
            ),
            radial-gradient(
                circle at 84% 94%,
                rgba(255,255,255,0.10) 0,
                rgba(255,255,255,0.10) 18%,
                transparent 18.5%
            ),
            linear-gradient(135deg, var(--ocean-deep), var(--ocean-blue));
        color: var(--ocean-white);
        box-shadow: var(--ocean-shadow);
    }

    .och-hero::after {
        content: "";
        position: absolute;
        right: -70px;
        bottom: -105px;
        width: 360px;
        height: 210px;
        border: 18px solid rgba(255,255,255,0.10);
        border-radius: 50%;
        transform: rotate(-12deg);
        pointer-events: none;
    }

    .och-hero-content {
        position: relative;
        z-index: 2;
        max-width: 920px;
    }

    .och-hero h1,
    .och-hero .och-eyebrow {
        color: var(--ocean-white);
    }

    .och-hero .och-eyebrow {
        opacity: 0.92;
    }

    .och-hero-intro {
        max-width: 820px;
        margin-bottom: 0;
        font-size: clamp(1.08rem, 2vw, 1.3rem);
    }

    /* BUTTONS */

    .och-buttons {
        display: flex;
        flex-wrap: wrap;
        gap: 14px;
        margin-top: 30px;
    }

    .och-button {
        display: inline-flex;
        align-items: center;
        justify-content: center;
        min-height: 52px;
        padding: 13px 24px;
        border: 2px solid var(--ocean-navy);
        border-radius: 8px;
        background: var(--ocean-navy);
        color: var(--ocean-white) !important;
        font-weight: 750;
        line-height: 1.25;
        text-align: center;
        text-decoration: none !important;
        transition:
            transform 0.2s ease,
            box-shadow 0.2s ease,
            background 0.2s ease;
    }

    .och-button:hover,
    .och-button:focus {
        color: var(--ocean-white) !important;
        transform: translateY(-2px);
        box-shadow: 0 8px 20px rgba(13,47,73,0.18);
    }

    .och-button-secondary {
        background: transparent;
        color: var(--ocean-navy) !important;
    }

    .och-button-secondary:hover,
    .och-button-secondary:focus {
        background: var(--ocean-navy);
        color: var(--ocean-white) !important;
    }

    .och-hero .och-button {
        border-color: var(--ocean-white);
        background: var(--ocean-white);
        color: var(--ocean-navy) !important;
    }

    .och-hero .och-button:hover,
    .och-hero .och-button:focus {
        color: var(--ocean-navy) !important;
    }

    .och-hero .och-button-secondary {
        background: transparent;
        color: var(--ocean-white) !important;
    }

    .och-hero .och-button-secondary:hover,
    .och-hero .och-button-secondary:focus {
        background: var(--ocean-white);
        color: var(--ocean-navy) !important;
    }

    /* TRUST STRIP */

    .och-trust-strip {
        display: grid;
        grid-template-columns: repeat(4, minmax(0, 1fr));
        gap: 1px;
        overflow: hidden;
        margin-bottom: 75px;
        border: 1px solid var(--ocean-border);
        border-radius: var(--ocean-radius);
        background: var(--ocean-border);
    }

    .och-trust-item {
        padding: 22px 18px;
        background: var(--ocean-white);
        text-align: center;
    }

    .och-trust-item strong {
        display: block;
        color: var(--ocean-navy);
        font-size: 1rem;
    }

    .och-trust-item span {
        display: block;
        margin-top: 3px;
        color: var(--ocean-muted);
        font-size: 0.9rem;
    }

    /* ABOUT */

    .och-about-grid {
        display: grid;
        grid-template-columns: minmax(0, 1.45fr) minmax(290px, 0.8fr);
        gap: 42px;
        align-items: stretch;
    }

    .och-about-panel {
        display: flex;
        flex-direction: column;
        justify-content: center;
        padding: 35px;
        border-radius: var(--ocean-radius);
        background: var(--ocean-light);
    }

    .och-about-panel h3 {
        font-size: 1.55rem;
    }

    .och-check-list {
        display: grid;
        gap: 14px;
        margin: 7px 0 0;
        padding: 0;
        list-style: none;
    }

    .och-check-list li {
        position: relative;
        padding-left: 31px;
    }

    .och-check-list li::before {
        content: "✓";
        position: absolute;
        top: 1px;
        left: 0;
        display: flex;
        align-items: center;
        justify-content: center;
        width: 21px;
        height: 21px;
        border-radius: 50%;
        background: var(--ocean-blue);
        color: var(--ocean-white);
        font-size: 0.76rem;
        font-weight: 800;
    }

    /* REVIEW BANNER */

    .och-review-banner {
        display: grid;
        grid-template-columns: minmax(0, 1fr) auto;
        gap: 30px;
        align-items: center;
        padding: clamp(30px, 5vw, 48px);
        border: 1px solid var(--ocean-border);
        border-radius: var(--ocean-radius);
        background: var(--ocean-white);
        box-shadow: var(--ocean-shadow);
    }

    .och-review-banner h2 {
        margin-bottom: 10px;
    }

    .och-stars {
        margin-bottom: 7px;
        color: #e2a400;
        font-size: 1.45rem;
        letter-spacing: 0.1em;
    }

    .och-review-banner p {
        margin-bottom: 0;
        color: var(--ocean-muted);
    }

    /* GRIDS AND CARDS */

    .och-grid {
        display: grid;
        grid-template-columns: repeat(3, minmax(0, 1fr));
        gap: 20px;
        margin-top: 30px;
    }

    .och-card {
        display: flex;
        flex-direction: column;
        height: 100%;
        padding: 28px;
        border: 1px solid var(--ocean-border);
        border-radius: var(--ocean-radius);
        background: var(--ocean-white);
        transition:
            transform 0.2s ease,
            box-shadow 0.2s ease,
            border-color 0.2s ease;
    }

    .och-card:hover {
        border-color: #bdd8e3;
        transform: translateY(-4px);
        box-shadow: var(--ocean-shadow);
    }

    .och-card p {
        flex-grow: 1;
        margin-bottom: 18px;
        color: var(--ocean-muted);
    }

    .och-card-link {
        color: var(--ocean-blue) !important;
        font-weight: 750;
        text-decoration: none !important;
    }

    .och-card-link::after {
        content: " →";
    }

    .och-card-link:hover,
    .och-card-link:focus {
        color: var(--ocean-navy) !important;
        text-decoration: underline !important;
    }

    .och-icon {
        display: flex;
        align-items: center;
        justify-content: center;
        width: 48px;
        height: 48px;
        margin-bottom: 20px;
        border-radius: 12px;
        background: var(--ocean-sky);
        color: var(--ocean-navy);
    }

    .och-icon svg {
        width: 25px;
        height: 25px;
        stroke: currentColor;
    }

    /* PROCESS */

    .och-process {
        counter-reset: ocean-process;
        display: grid;
        grid-template-columns: repeat(3, minmax(0, 1fr));
        gap: 18px;
        margin-top: 30px;
    }

    .och-step {
        counter-increment: ocean-process;
        padding: 27px;
        border-radius: var(--ocean-radius);
        background: var(--ocean-light);
    }

    .och-step::before {
        content: counter(ocean-process);
        display: flex;
        align-items: center;
        justify-content: center;
        width: 42px;
        height: 42px;
        margin-bottom: 18px;
        border-radius: 50%;
        background: var(--ocean-navy);
        color: var(--ocean-white);
        font-weight: 800;
    }

    .och-step p {
        margin-bottom: 0;
        color: var(--ocean-muted);
    }

    /* CLIENT SERVICES */

    .och-client-services {
        padding: clamp(32px, 6vw, 58px);
        border-radius: 18px;
        background: var(--ocean-light);
    }

    .och-client-services .och-grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }

    .och-client-services .och-card {
        box-shadow: none;
    }

    /* FINAL CTA */

    .och-final-cta {
        position: relative;
        overflow: hidden;
        padding: clamp(38px, 7vw, 65px);
        border-radius: 18px;
        background: var(--ocean-navy);
        color: var(--ocean-white);
    }

    .och-final-cta::after {
        content: "";
        position: absolute;
        right: -110px;
        bottom: -150px;
        width: 390px;
        height: 280px;
        border: 24px solid rgba(255,255,255,0.07);
        border-radius: 50%;
    }

    .och-final-cta-content {
        position: relative;
        z-index: 2;
        max-width: 820px;
    }

    .och-final-cta h2 {
        color: var(--ocean-white);
    }

    .och-final-cta .och-button {
        border-color: var(--ocean-white);
        background: var(--ocean-white);
        color: var(--ocean-navy) !important;
    }

    .och-final-cta .och-button:hover,
    .och-final-cta .och-button:focus {
        color: var(--ocean-navy) !important;
    }

    .och-final-cta .och-button-secondary {
        background: transparent;
        color: var(--ocean-white) !important;
    }

    .och-final-cta .och-button-secondary:hover,
    .och-final-cta .och-button-secondary:focus {
        background: var(--ocean-white);
        color: var(--ocean-navy) !important;
    }

    .och-contact-line {
        margin-top: 23px;
        margin-bottom: 0 !important;
    }

    .och-contact-line a {
        color: var(--ocean-white) !important;
        font-weight: 750;
    }

    .och-disclaimer {
        margin-top: 32px !important;
        margin-bottom: 0 !important;
        padding-top: 22px;
        border-top: 1px solid rgba(255,255,255,0.28);
        font-size: 0.82rem;
        opacity: 0.88;
    }

    @media (max-width: 950px) {
        .och-trust-strip {
            grid-template-columns: repeat(2, minmax(0, 1fr));
        }

        .och-about-grid {
            grid-template-columns: 1fr;
        }

        .och-grid,
        .och-client-services .och-grid,
        .och-process {
            grid-template-columns: repeat(2, minmax(0, 1fr));
        }
    }

    @media (max-width: 680px) {
        .ocean-homepage {
            padding-right: 15px;
            padding-left: 15px;
        }

        .och-hero {
            padding: 38px 24px;
        }

        .och-trust-strip,
        .och-grid,
        .och-client-services .och-grid,
        .och-process,
        .och-review-banner {
            grid-template-columns: 1fr;
        }

        .och-buttons {
            display: grid;
        }

        .och-button {
            width: 100%;
        }

        .och-review-banner .och-button {
            width: 100%;
        }
    }
        .ohl-button {
            width: 100%;
        }
    }