/* ============================================================
   VLN STUDY - VA Loan Statistics data study
   File-served stylesheet. Every rule is scoped under .vlnStudy.
   No bare element selectors. Nothing here can leak into Divi.
   Palette: navy #1F4E79 / ink #0F2440 / wash #F2F6FB /
            braid gold #A97E1C / up #1B7A43 / down #B3402A
   Type: Saira Condensed (display), Saira (data), system (body)
   ============================================================ */

.vlnStudy{
  --vsNavy:#1F4E79;
  --vsInk:#0F2440;
  --vsWash:#F2F6FB;
  --vsLine:#D5DFEC;
  --vsGold:#A97E1C;
  --vsGoldSoft:#F3E8CE;
  --vsUp:#1B7A43;
  --vsDown:#B3402A;
  --vsMuted:#5A6B80;
  --vsBody:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --vsData:"Saira",var(--vsBody);
  --vsDisplay:"Saira Condensed","Saira",var(--vsBody);
  --vsMax:1120px;
  --vsPadX:clamp(16px,4vw,40px);

  font-family:var(--vsBody);
  color:var(--vsInk);
  background:#fff;
  line-height:1.6;
  font-size:17px;
  overflow-wrap:break-word;
}

/* ---------- generic resets, scoped ---------- */
.vlnStudy *,
.vlnStudy *::before,
.vlnStudy *::after{ box-sizing:border-box; }

.vlnStudy p{ margin:0 0 1.1em; font-size:1em; }
.vlnStudy a{ color:var(--vsNavy); text-decoration:underline; text-underline-offset:2px; }
.vlnStudy a:hover{ color:var(--vsInk); }
.vlnStudy ul,.vlnStudy ol{ margin:0 0 1.1em; padding-left:1.3em; }
.vlnStudy li{ margin:.35em 0; }
.vlnStudy img{ max-width:100%; height:auto; }

/* ---------- layout primitives ---------- */
.vlnStudy .vsWrap{
  max-width:var(--vsMax);
  margin:0 auto;
  padding-left:var(--vsPadX);
  padding-right:var(--vsPadX);
}

/* Full-bleed band. Requires the loader to add body.vln-study-post
   { overflow-x:hidden } - the rule ships in the mu-plugin CSS. */
.vlnStudy .vsBand{
  width:100vw;
  margin-left:calc(50% - 50vw);
  margin-right:calc(50% - 50vw);
}
.vlnStudy .vsBand--wash{ background:var(--vsWash); }
.vlnStudy .vsBand--navy{
  background:linear-gradient(160deg,var(--vsInk) 0%,var(--vsNavy) 68%,#2B639A 100%);
  color:#fff;
}

.vlnStudy .vsSection{ padding:56px 0; }
.vlnStudy .vsSection--tight{ padding:40px 0; }

/* ---------- headings ---------- */
.vlnStudy h2,
.vlnStudy .vsH2{
  font-family:var(--vsDisplay);
  font-weight:700;
  font-size:clamp(26px,3.2vw,34px);
  line-height:1.15;
  letter-spacing:.01em;
  color:var(--vsInk);
  margin:0 0 14px;
  text-transform:none;
}
.vlnStudy h3,
.vlnStudy .vsH3{
  font-family:var(--vsDisplay);
  font-weight:700;
  font-size:clamp(20px,2.2vw,24px);
  color:var(--vsInk);
  margin:0 0 10px;
}
.vlnStudy .vsKicker{
  font-family:var(--vsData);
  font-weight:600;
  font-size:12px;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--vsGold);
  display:block;
  margin-bottom:10px;
}
.vlnStudy .vsBand--navy .vsKicker{ color:#E7C878; }
.vlnStudy .vsBand--navy h2,
.vlnStudy .vsBand--navy h3{ color:#fff; }

/* ---------- HERO ---------- */
.vlnStudy .vsHero{ padding:64px 0 58px; position:relative; overflow:hidden; }
.vlnStudy .vsHero .vsWrap{ position:relative; z-index:2; }
.vlnStudy .vsHeroGhost{
  position:absolute;
  right:-.04em;
  bottom:-.22em;
  font-family:var(--vsDisplay);
  font-weight:700;
  font-size:clamp(160px,26vw,340px);
  line-height:1;
  color:rgba(255,255,255,.05);
  user-select:none;
  pointer-events:none;
  z-index:1;
}
.vlnStudy .vsHeroTitle{
  font-family:var(--vsDisplay);
  font-weight:700;
  font-size:clamp(34px,5vw,54px);
  line-height:1.06;
  margin:0 0 18px;
  color:#fff;
  max-width:14em;
}
.vlnStudy .vsHeroStat{
  display:flex;
  flex-wrap:wrap;
  align-items:baseline;
  gap:10px 22px;
  margin:26px 0 8px;
  padding-left:20px;
  border-left:4px solid var(--vsGold);
}
.vlnStudy .vsHeroNum{
  font-family:var(--vsDisplay);
  font-weight:700;
  font-variant-numeric:tabular-nums;
  font-size:clamp(58px,9vw,110px);
  line-height:.95;
  color:#fff;
  letter-spacing:.01em;
}
.vlnStudy .vsHeroNumLabel{
  font-family:var(--vsData);
  font-weight:600;
  font-size:15px;
  letter-spacing:.05em;
  text-transform:uppercase;
  color:#C9D8EA;
  max-width:16em;
  line-height:1.4;
}
.vlnStudy .vsHeroLead{
  font-size:clamp(17px,1.6vw,19px);
  color:#DCE6F2;
  max-width:44em;
  margin-top:14px;
}
.vlnStudy .vsHeroLead strong{ color:#fff; }
.vlnStudy .vsUpdated{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-family:var(--vsData);
  font-weight:600;
  font-size:12.5px;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:#F0E3C2;
  background:rgba(169,126,28,.22);
  border:1px solid rgba(231,200,120,.55);
  border-radius:999px;
  padding:7px 14px;
  margin-bottom:20px;
  width:fit-content;
}
.vlnStudy .vsUpdated::before{
  content:"";
  width:8px;height:8px;border-radius:50%;
  background:#E7C878;
}

/* ---------- STAT GRID ---------- */
.vlnStudy .vsStatGrid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
  background:var(--vsLine);
  border:1px solid var(--vsLine);
  margin:0;
}
.vlnStudy .vsStat{
  background:#fff;
  padding:26px 22px 22px;
  display:flex;
  flex-direction:column;
  gap:6px;
}
.vlnStudy .vsStatNum{
  font-family:var(--vsData);
  font-weight:800;
  font-variant-numeric:tabular-nums;
  font-size:clamp(28px,2.8vw,38px);
  line-height:1.05;
  color:var(--vsNavy);
}
.vlnStudy .vsStatLabel{
  font-size:13.5px;
  font-weight:600;
  color:var(--vsMuted);
  letter-spacing:.02em;
  line-height:1.4;
}
.vlnStudy .vsStatDelta{
  font-family:var(--vsData);
  font-weight:600;
  font-size:13px;
  margin-top:auto;
  padding-top:8px;
}
.vlnStudy .vsStatDelta.vsUp{ color:var(--vsUp); }
.vlnStudy .vsStatDelta.vsDown{ color:var(--vsDown); }
.vlnStudy .vsStatDelta.vsFlat{ color:var(--vsMuted); }

/* ---------- SERVICE-STRIPE CHART (signature) ---------- */
.vlnStudy .vsChart{ margin:26px 0 8px; }
.vlnStudy .vsChart svg{ display:block; width:100%; height:auto; }
.vlnStudy .vsStripeLabel{
  font-family:var(--vsData);
  font-weight:600;
  font-size:14px;
  fill:var(--vsInk);
}
.vlnStudy .vsStripeValue{
  font-family:var(--vsData);
  font-weight:800;
  font-variant-numeric:tabular-nums;
  font-size:14px;
  fill:var(--vsNavy);
}
.vlnStudy .vsStripe{ fill:var(--vsNavy); }
.vlnStudy .vsStripe--record{ fill:var(--vsGold); }
.vlnStudy .vsStripeTrack{ fill:#E5EDF6; }
.vlnStudy .vsChartNote{
  font-size:13px;
  color:var(--vsMuted);
  margin-top:10px;
}
.vlnStudy .vsChartKey{
  display:flex;
  gap:18px;
  flex-wrap:wrap;
  font-family:var(--vsData);
  font-size:13px;
  font-weight:600;
  color:var(--vsMuted);
  margin-top:6px;
}
.vlnStudy .vsChartKey span{ display:inline-flex; align-items:center; gap:7px; }
.vlnStudy .vsChartKey i{
  width:22px;height:10px;border-radius:2px;display:inline-block;
}
.vlnStudy .vsChartKey .kNavy{ background:var(--vsNavy); }
.vlnStudy .vsChartKey .kGold{ background:var(--vsGold); }

/* ---------- DATA TABLE ---------- */
.vlnStudy .vsTableWrap{
  overflow-x:auto;
  -webkit-overflow-scrolling:touch;
  border:1px solid var(--vsLine);
  background:#fff;
  max-height:560px;
  overflow-y:auto;
}
.vlnStudy .vsTable{
  border-collapse:collapse;
  width:100%;
  min-width:640px;
  font-size:15px;
}
.vlnStudy .vsTable caption{
  text-align:left;
  font-family:var(--vsData);
  font-weight:600;
  font-size:13px;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:var(--vsMuted);
  padding:12px 16px;
  border-bottom:1px solid var(--vsLine);
}
.vlnStudy .vsTable th{
  position:sticky;
  top:0;
  z-index:2;
  background:var(--vsInk);
  color:#fff;
  font-family:var(--vsData);
  font-weight:600;
  font-size:13px;
  letter-spacing:.05em;
  text-transform:uppercase;
  text-align:left;
  padding:12px 16px;
  cursor:pointer;
  user-select:none;
  white-space:nowrap;
}
.vlnStudy .vsTable th.vsNum{ text-align:right; }
.vlnStudy .vsTable th .vsSort{
  display:inline-block;
  margin-left:6px;
  opacity:.45;
  font-size:11px;
}
.vlnStudy .vsTable th[aria-sort="ascending"] .vsSort,
.vlnStudy .vsTable th[aria-sort="descending"] .vsSort{ opacity:1; color:#E7C878; }
.vlnStudy .vsTable td{
  padding:11px 16px;
  border-top:1px solid var(--vsLine);
  font-variant-numeric:tabular-nums;
}
.vlnStudy .vsTable td.vsNum{
  text-align:right;
  font-family:var(--vsData);
  font-weight:600;
  color:var(--vsInk);
}
.vlnStudy .vsTable tbody tr:nth-child(even) td{ background:var(--vsWash); }
.vlnStudy .vsTable tbody tr:hover td{ background:#E9F0F9; }
.vlnStudy .vsTable tr.vsRecord td{ box-shadow:inset 3px 0 0 var(--vsGold); }
.vlnStudy .vsTableFoot{
  font-size:13px;
  color:var(--vsMuted);
  margin-top:10px;
}

/* ---------- CALLOUT (Approval Watchpoint style block) ---------- */
.vlnStudy .vsCallout{
  border:1px solid var(--vsLine);
  border-left:5px solid var(--vsNavy);
  background:var(--vsWash);
  padding:18px 20px;
  margin:22px 0;
  border-radius:0 4px 4px 0;
}
.vlnStudy .vsCallout .vsCalloutTitle{
  font-family:var(--vsData);
  font-weight:800;
  font-size:13px;
  letter-spacing:.09em;
  text-transform:uppercase;
  color:var(--vsNavy);
  display:block;
  margin-bottom:6px;
}
.vlnStudy .vsCallout p:last-child{ margin-bottom:0; }

/* ---------- YTD TRACKER ---------- */
.vlnStudy .vsYtd{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:1px;
  background:rgba(255,255,255,.16);
  border:1px solid rgba(255,255,255,.22);
  margin:22px 0 10px;
}
.vlnStudy .vsYtdCell{
  background:rgba(255,255,255,.06);
  padding:22px 20px;
}
.vlnStudy .vsYtdNum{
  font-family:var(--vsData);
  font-weight:800;
  font-variant-numeric:tabular-nums;
  font-size:clamp(26px,2.6vw,34px);
  color:#fff;
  line-height:1.05;
}
.vlnStudy .vsYtdLabel{
  font-size:13px;
  font-weight:600;
  color:#C9D8EA;
  margin-top:6px;
  line-height:1.4;
}
.vlnStudy .vsYtdWindow{
  font-family:var(--vsData);
  font-size:13px;
  font-weight:600;
  letter-spacing:.05em;
  text-transform:uppercase;
  color:#E7C878;
}

/* ---------- CITE BOX (document stamp) ---------- */
.vlnStudy .vsCite{
  border:2px solid var(--vsInk);
  outline:1px solid var(--vsInk);
  outline-offset:4px;
  background:#fff;
  padding:24px 24px 20px;
  margin:34px auto 6px;
  max-width:720px;
  position:relative;
}
.vlnStudy .vsCite::before{
  content:"FOR CITATION";
  position:absolute;
  top:-11px;
  left:18px;
  background:#fff;
  padding:0 10px;
  font-family:var(--vsData);
  font-weight:800;
  font-size:11.5px;
  letter-spacing:.16em;
  color:var(--vsGold);
}
.vlnStudy .vsCiteText{
  font-family:var(--vsData);
  font-size:15px;
  font-weight:600;
  color:var(--vsInk);
  margin:0 0 14px;
  line-height:1.55;
}
.vlnStudy .vsCiteBtn{
  font-family:var(--vsData);
  font-weight:700;
  font-size:13px;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:#fff;
  background:var(--vsNavy);
  border:0;
  border-radius:3px;
  padding:10px 18px;
  cursor:pointer;
}
.vlnStudy .vsCiteBtn:hover{ background:var(--vsInk); }
.vlnStudy .vsCiteBtn:focus-visible{ outline:3px solid var(--vsGold); outline-offset:2px; }
.vlnStudy .vsCiteBtn.vsCopied{ background:var(--vsUp); }
.vlnStudy .vsCiteNote{
  font-size:13px;
  color:var(--vsMuted);
  margin:12px 0 0;
}

/* ---------- DOWNLOAD LINK ---------- */
.vlnStudy .vsDownload{
  display:inline-flex;
  align-items:center;
  gap:10px;
  font-family:var(--vsData);
  font-weight:700;
  font-size:14px;
  color:var(--vsNavy);
  border:1.5px solid var(--vsNavy);
  border-radius:3px;
  padding:11px 18px;
  text-decoration:none;
  margin-top:6px;
}
.vlnStudy .vsDownload:hover{ background:var(--vsWash); }
.vlnStudy .vsDownload::before{ content:"\2913"; font-size:16px; }

/* ---------- METHODOLOGY / SOURCES ---------- */
.vlnStudy .vsMethod{ font-size:15px; color:#33445C; }
.vlnStudy .vsMethod ul{ padding-left:1.2em; }
.vlnStudy .vsSourceTag{
  font-family:var(--vsData);
  font-weight:600;
  font-size:12px;
  color:var(--vsMuted);
  letter-spacing:.04em;
}

/* ---------- FAQ ---------- */
.vlnStudy .vsFaq{ border-top:1px solid var(--vsLine); }
.vlnStudy .vsFaqItem{ border-bottom:1px solid var(--vsLine); padding:18px 0; }
.vlnStudy .vsFaqItem h3{ margin-bottom:8px; font-size:19px; }
.vlnStudy .vsFaqItem p:last-child{ margin-bottom:0; }

/* ---------- RESPONSIVE ---------- */
@media (max-width:900px){
  .vlnStudy .vsStatGrid{ grid-template-columns:repeat(2,1fr); }
  .vlnStudy .vsYtd{ grid-template-columns:1fr; }
}
@media (max-width:560px){
  .vlnStudy{ font-size:16px; }
  .vlnStudy .vsStatGrid{ grid-template-columns:1fr; }
  .vlnStudy .vsSection{ padding:40px 0; }
  .vlnStudy .vsHero{ padding:48px 0 44px; }
  .vlnStudy .vsHeroStat{ padding-left:14px; }
}

/* ---------- MOTION / A11Y ---------- */
@media (prefers-reduced-motion:no-preference){
  .vlnStudy .vsStripe{ transition:opacity .2s ease; }
  .vlnStudy .vsCiteBtn{ transition:background .15s ease; }
}

/* ---------- PRINT ---------- */
@media print{
  .vlnStudy .vsBand--navy{ background:#fff !important; color:var(--vsInk); }
  .vlnStudy .vsBand--navy h2,
  .vlnStudy .vsBand--navy h3,
  .vlnStudy .vsHeroNum,
  .vlnStudy .vsHeroTitle{ color:var(--vsInk) !important; }
  .vlnStudy .vsCiteBtn{ display:none; }
  .vlnStudy .vsTableWrap{ max-height:none; overflow:visible; }
  .vlnStudy .vsHeroGhost{ display:none; }
}

/* ---------- DELINQUENCY SPECTRUM (dot-range comparison) ---------- */
.vlnStudy .vsSpecTrack{ fill:#E5EDF6; }
.vlnStudy .vsSpecTick{ stroke:#B9C7D8; stroke-width:1.5; }
.vlnStudy .vsSpecScale{
  font-family:var(--vsData); font-weight:600; font-size:13px; fill:var(--vsMuted);
}
.vlnStudy .vsSpecLabel{
  font-family:var(--vsData); font-weight:600; font-size:14px; fill:var(--vsInk);
}
.vlnStudy .vsSpecLabel--va{ font-weight:800; fill:var(--vsNavy); }
.vlnStudy .vsSpecDot{ stroke:#fff; stroke-width:2.5; }
.vlnStudy .vsSpecDot--conv{ fill:#7A8DA6; }
.vlnStudy .vsSpecDot--all{ fill:#B9C7D8; }
.vlnStudy .vsSpecDot--va{ fill:var(--vsNavy); }
.vlnStudy .vsSpecDot--fha{ fill:var(--vsDown); }