.padleft15 { padding-left:15px; }
.padleft40 { padding-left:40px;}
.padright15 { padding-right:15px; }
.padtop10 { padding-top:10px;}
.padtop15 { padding-top:15px;}
.padtop25 { padding-top:25px;}
.padtop40 { padding-top:40px;}
.padtop50 { padding-top:50px;}
.padtop60 { padding-top:60px;}
.padtop90 { padding-top:90px;}
.padbottom15 {padding-bottom:15px; }
.padbottom20 {padding-bottom:20px; }
.padbottom25 {padding-bottom:25px; }
.padbottom35 {padding-bottom:35px; }
.padbottom55 {padding-bottom:55px; }


.minheight70 { min-height:70px;}
.videoheader { min-height:120px; }
.servicesheader {min-height:40px; vertical-align: text-bottom; margin-bottom:3px;}

.hrlarge {border-bottom: 1px solid #DDDDDD;}

.borderbottomgrey { border-bottom: 1px solid #DDDDDD; }

.iconred { color: #e74c3c; font-weight:bold;font-size:21px; }

.padding15 {padding:15px; }
.margintopneg15 { margin-top:-15px;}
.margintop10 { margin-top:10px; }
.margintop25 { margin-top:25px; }
.margintop30 { margin-top:30px; }
.margintop40 { margin-top:40px; }
.margintop50 { margin-top:50px; }
.marginbottom0 { margin-bottom:0px; }
.marginbottom25 { margin-bottom:25px; }
.marginbottom45 { margin-bottom:45px; }
.marginbottomneg15 { margin-bottom:-15px;}

.testimonialborder { border-left:5px solid #DDDDDD; }
.colour-lightgrey { color: #ebeaea; }

.floatright { float:right; }
.float-right {float:right; }
.float-left {float:left; }

.font-arial {font-family: arial, "Open Sans"; }
.font-raleway {font-family: "Raleway", "Open Sans", "Helvetica Neue"; }
.font11 {font-size:11px;}
.font12 {font-size:12px;}
.font13 {font-size:13px;}
.font14 {font-size:14px;}
.font15 {font-size:15px;}
.font20 {font-size:20px;}
.font22 {font-size:22px;}
.font30 {font-size:30px;}
.font35 {font-size:35px; line-height:40px;}
.font55 {font-size:55px;}

.normalweight {font-weight:normal;}
.bold {font-weight:700; }
.boldraleway {font-weight:500;}
.semibold {font-weight:400;}

/* ::::::: page header bg colours ::::::::: */
header.bgblack {
  background-color: #000000;
}
header.bggrey {
  background-color: #4b4b4b;
}
header.bgblue {
  background-color: #3498db;
}
header.bggreen {
  background-color: #2FAB00;
}

/* mortgage services page :::::::::::::: */
.property-large-buttons {
  list-style: none;
  margin-bottom: 35px;
  margin-top: 15px;
  padding: 0;
}
.property-large-buttons li {
  position: relative;
  height: 360px;
  width: 32.3333%;
  display: inline-block;
  float: left;
  text-align: center;
  margin: 0 0.5% 20px 0.5%;
  background-position: center center;
  background-repeat: no-repeat;
  background-size: cover;
}
.property-large-buttons li:before {
  position: absolute;
  content: "";
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-color: rgba(230, 230, 230, 0.82);
  z-index: 1;
  -webkit-transition: all 0.3s ease-out;
  -moz-transition: all 0.3s ease-out;
  -ms-transition: all 0.3s ease-out;
  -o-transition: all 0.3s ease-out;
  transition: all 0.3s ease-out;
}
.property-large-buttons li:hover:before {
  background-color: rgba(60, 49, 46, 0.8200000000000001);
}
.property-large-buttons li i {
  position: relative;
  font-size: 44pt;
  margin-top: 130px;
  z-index: 2;
  -webkit-transition: all 0.3s ease-out;
  -moz-transition: all 0.3s ease-out;
  -ms-transition: all 0.3s ease-out;
  -o-transition: all 0.3s ease-out;
  transition: all 0.3s ease-out;
}
.property-large-buttons li:hover i {
  color: #fff;
  margin-top: 65px;
}
.property-large-buttons li h4 {
  position: relative;
  font-size: 28px;
  line-height:35px;
  color: #000000;
  z-index: 2;
  -webkit-transition: all 0.3s ease-out;
  -moz-transition: all 0.3s ease-out;
  -ms-transition: all 0.3s ease-out;
  -o-transition: all 0.3s ease-out;
  transition: all 0.3s ease-out;
}
.property-large-buttons li:hover h4 {
  color: #fff;
}
.property-large-buttons li a {
  position: relative;
  z-index: 2;
  -webkit-opacity: 0;
  -moz-opacity: 0;
  opacity: 0;
  -webkit-transition: all 0.3s ease-out;
  -moz-transition: all 0.3s ease-out;
  -ms-transition: all 0.3s ease-out;
  -o-transition: all 0.3s ease-out;
  transition: all 0.3s ease-out;
  margin-top: -40px;
}
.property-large-buttons li:hover a {
  -webkit-opacity: 1;
  -moz-opacity: 1;
  opacity: 1;
  margin-top: 110px;
}
.property-large-buttons #services_consolidate_debt {
  background-image: url(/images/services_consolidate_debt.jpg);
}
.property-large-buttons #services_first_time_homebuyers {
  background-image: url(/images/services_first_time_homebuyers.jpg);
}
.property-large-buttons #services_renovation_financing {
  background-image: url(/images/services_renovation_financing.jpg);
}
.property-large-buttons #services_investment_properties {
  background-image: url(/images/services_investment_properties.jpg);
}
.property-large-buttons #services_pre_approval {
  background-image: url(/images/services_pre_approval.jpg);
}
.property-large-buttons #services_portability {
  background-image: url(/images/services_portability.jpg);
}
.property-large-buttons #services_renew_switch {
  background-image: url(/images/services_renew_switch.jpg);
}
.property-large-buttons #services_new_to_canada {
  background-image: url(/images/services_new_to_canada.jpg);
}
.property-large-buttons #services_repair_your_credit {
  background-image: url(/images/services_repair_your_credit.jpg);
}
.property-large-buttons #services_self_employed {
  background-image: url(/images/services_self_employed.jpg);
}
.property-large-buttons #services_vacation_homes {
  background-image: url(/images/services_vacation_homes.jpg);
}

.property-large-buttons .residential {
  background-image: url(/images/services.jpg);
}
.property-large-buttons .mortgage_calculators {
  background-image: url(/images/rescources_calculator.jpg);
}
.property-large-buttons .faqs {
  background-image: url(/images/resources_faqs.jpg);
}
.property-large-buttons .glossary {
  background-image: url(/images/resources_glossary.jpg);
}
.property-large-buttons .links_of_interest {
  background-image: url(/images/resources_links.jpg);
}
.property-large-buttons .contact_review {
  background-image: url(/images/rescources_contact.jpg);
}
.property-large-buttons .commercial {
  background-image: url(http://placehold.it/253x361);
}
.property-large-buttons .land {
  background-image: url(http://placehold.it/253x361);
}

@media (max-width: 480px) {
.property-large-buttons li {
    width: 100%;
    margin-left: 0;
    margin-right: 0;
  }
}

/* end mortgage services items */

.tightletter0 {letter-spacing:0px}
.tightletter1 {letter-spacing:-1px}

.greybackground {background: #000000; }

.article-body ul {
  font-size: 16px;
  line-height: 24px;
  margin-bottom: 24px;
}

.rate_container {
    border: 1px solid #E3E3E3;
}



.myrate { font-size:17px;font-weight:900;}
.rate_header h2 {
	text-align:center;
  color:#FFFFFF;
  font-weight:500;
  font-size:18px;
}
.rate_container {
	border: 1px solid #e3e3e3
}
.line_even {
	background-color:#f1f3f6;
	border: 1px solid #e3e3e3;
	border-top: none;
	padding: 15px;
	font-size: 12pt;
}
.line_odd {
	background-color:#fff;
	border: 1px solid #e3e3e3;
	border-top: none;
	padding: 15px;
	font-size: 12pt;
	text-align:center;
}
.line_even td, .line_odd td {

	border: 1px solid #e3e3e3;
	border-top: none;
	padding: 15px;
	font-size: 12pt;
	text-align:center;
}

.ratestable {padding: 5px; width:100%;}

/* modal hack fix for modal expanding the browser */
body.modal-open {
    overflow: inherit;
    padding-right: inherit !important;
}

.agent-contact { width:25px; }

/* videos page styles */
.grid-style1 .item .image,
.grid-style2 .item .image,
.list-style .item .image {
  width: 100%;
  overflow: hidden;
  position: relative;
  background-position: center center;
  background-repeat: no-repeat;
  background-size: cover;
}
.grid-style1 .item .image img,
.grid-style2 .item .image img,
.list-style .item .image img {
  width: 100%;
  -webkit-transition: all 0.3s ease-out;
  -moz-transition: all 0.3s ease-out;
  -ms-transition: all 0.3s ease-out;
  -o-transition: all 0.3s ease-out;
  transition: all 0.3s ease-out;
}
.grid-style1 .item .image > a,
.grid-style2 .item .image > a,
.list-style .item .image > a {
  position: absolute;
  top: 0;
  left: 0;
  height: 100%;
  width: 100%;
  display: block;
  background-color: rgba(32, 35, 38, 0.82);
  border: 10px solid rgba(32, 35, 38, 0.8);
  z-index: 9;
  text-align: center;
  visibility: hidden;
  text-decoration: none;
  /*filter:alpha(opacity=0);*/
  -webkit-opacity: 0;
  -moz-opacity: 0;
  opacity: 0;
  -webkit-transition: all 0.3s ease-out;
  -moz-transition: all 0.3s ease-out;
  -ms-transition: all 0.3s ease-out;
  -o-transition: all 0.3s ease-out;
  transition: all 0.3s ease-out;
}
.grid-style1 .item .image > a .btn,
.grid-style2 .item .image > a .btn,
.list-style .item .image > a .btn {
  margin-top: -17px;
  position: relative;
  top: 100%;
}
.grid-style1 .item .image > a h3,
.grid-style2 .item .image > a h3,
.list-style .item .image > a h3 {
  text-align: left;
  color: #fff;
  position: absolute;
  bottom: 21px;
  left: 0;
  padding: 0 12px;
}
.grid-style1 .item .image > a .location,
.grid-style2 .item .image > a .location,
.list-style .item .image > a .location {
  text-align: left;
  font-style: italic;
  position: absolute;
  bottom: 20px;
  left: 0;
  padding: 0 12px;
  display: block;
  color: #74777c;
}
.grid-style1 .item .image:hover img,
.grid-style2 .item .image:hover img,
.list-style .item .image:hover img {
  -webkit-transform: scale(1.3);
  -moz-transform: scale(1.3);
  -o-transform: scale(1.3);
  transform: scale(1.3);
}
.grid-style1 .item .image:hover > a,
.grid-style2 .item .image:hover > a,
.list-style .item .image:hover > a {
  visibility: visible;
  /*filter:alpha(opacity=100);*/
  -webkit-opacity: 1;
  -moz-opacity: 1;
  opacity: 1;
}
.grid-style1 .item .image:hover > a .btn,
.grid-style2 .item .image:hover > a .btn,
.list-style .item .image:hover > a .btn {
  top: 50%;
}
.grid-style1 .item .image-large,
.grid-style2 .item .image-large,
.list-style .item .image-large {
  height: 255px;
}


.grid-style1 .item .price:before,
.grid-style2 .item .price:before,
.list-style .item .price:before,
.grid-style1 .item .tag:before,
.grid-style2 .item .tag:before,
.list-style .item .tag:before {
  content: " ";
  position: absolute;
  left: 0;
  bottom: -6px;
  border-color: rgba(0, 0, 0, 0) #751814 rgba(0, 0, 0, 0) rgba(0, 0, 0, 0);
  border-style: solid;
  border-width: 0 6px 6px 0;
  height: 0;
  width: 0;
}
.grid-style1 .item .price i,
.grid-style2 .item .price i,
.list-style .item .price i,
.grid-style1 .item .tag i,
.grid-style2 .item .tag i,
.list-style .item .tag i {
  margin-right: 8px;
  -webkit-opacity: 0.6;
  -moz-opacity: 0.6;
  opacity: 0.6;
}
.grid-style1 .item .price span,
.grid-style2 .item .price span,
.list-style .item .price span,
.grid-style1 .item .tag span,
.grid-style2 .item .tag span,
.list-style .item .tag span {
  display: block;
  font-size: 12pt;
  font-weight: 700;
  margin-top: -4px;
  line-height: 1.4;
  max-width:160px;
  min-height:45px;
}

/* :::::::: end videos page styles ::::::::::: */

/* :::::::: hide items for ipad :::::::::::::: */
/* ----------- iPad mini ----------- */
/* Portrait */
@media only screen
  and (min-device-width: 768px)
  and (max-device-width: 1024px)
  and (orientation: portrait)
  and (-webkit-min-device-pixel-ratio: 1) {
    .hidden-ipad {display: none!important;}
}

/* ----------- iPad 1 and 2 ----------- */
/* Portrait */
@media only screen
  and (min-device-width: 768px)
  and (max-device-width: 1024px)
  and (orientation: portrait)
  and (-webkit-min-device-pixel-ratio: 1) {
    .hidden-ipad {display: none!important;}
}

/* ----------- iPad 3 and 4 ----------- */
/* Portrait */
@media only screen
  and (min-device-width: 768px)
  and (max-device-width: 1024px)
  and (orientation: portrait)
  and (-webkit-min-device-pixel-ratio: 2) {
    .hidden-ipad {display: none!important;}
}

/* top top button */
.cd-top {
  display: inline-block;
  height: 40px;
  width: 40px;
  position: fixed;
  bottom: 40px;
  right: 10px;
  box-shadow: 0 0 10px rgba(0, 0, 0, 0.05);
  /* image replacement properties */
  overflow: hidden;
  text-indent: 100%;
  white-space: nowrap;
  background: rgba(232, 98, 86, 0.8) url(/images/cd-top-arrow.svg) no-repeat center 50%;
  visibility: hidden;
  opacity: 0;
  -webkit-transition: opacity .3s 0s, visibility 0s .3s;
  -moz-transition: opacity .3s 0s, visibility 0s .3s;
  transition: opacity .3s 0s, visibility 0s .3s;
}
.cd-top.cd-is-visible, .cd-top.cd-fade-out, .no-touch .cd-top:hover {
  -webkit-transition: opacity .3s 0s, visibility 0s 0s;
  -moz-transition: opacity .3s 0s, visibility 0s 0s;
  transition: opacity .3s 0s, visibility 0s 0s;
}
.cd-top.cd-is-visible {
  /* the button becomes visible */
  visibility: visible;
  opacity: 1;
}
.cd-top.cd-fade-out {
  /* if the user keeps scrolling down, the button is out of focus and becomes less visible */
  opacity: .5;
}
.no-touch .cd-top:hover {
  background-color: #e86256;
  opacity: 1;
}
@media only screen and (min-width: 768px) {
  .cd-top {
    right: 20px;
    bottom: 20px;
  }
}
@media only screen and (min-width: 1024px) {
  .cd-top {
    height: 60px;
    width: 60px;
    right: 30px;
    bottom: 30px;
  }
}

label.error {
    display: none;
    height:0px;
}
input.error, div.error, select.error, textarea.error {
    background-color:#ffd6d6;
    border: 1px solid #F23030;
    box-sizing: border-box;
}
div.valid {
    background-color:#fff;
    border: 0px #fff;
}

.utility-menu .fa-stack {
    font-size:60%;
}
.utility-menu .social-icons li {
    margin-right: 12px;
}
.footer-container .fa-stack {
    font-size:60%;
}
.footer-container .fa-inverse {
    color:#282828;
}
.footer-container .social-icons li {
    margin-right: 5px;
}

.form_container input, .form_container textarea, .form_container select  {
    margin-bottom:15px;
}
#captcha {
    min-width:100px;
    min-height:34px;
}
.form_container .center {
    text-align:center;
}
.mortgage-calculators td {
	padding-top:		20px;
}

.mortgage-calculators td p {
	margin-left:		58px;
}

#owl-lenderlogos .owl-item {
	width:175px;
	text-align:center;
}

.team-1-member {
	min-height:			454px;
}

/* program cards */
.program-card {
    box-shadow: 0 1px 2px rgba(0, 0, 0, 0.075);
    margin-bottom: 1rem;
    text-align: center;
}

.program-card__image {
    background-repeat: no-repeat;
    background-position: center;
    background-size: cover;
    min-height: 190px;
}

.program-card__wrap {
    background-color: #fff;
    padding: 20px 20px 35px 20px;
}

.program-card__title {
    font-size: 15px;
    line-height: 1.25;
    margin-top: 10px;
    margin-bottom: 5px;
    font-weight: 400;
    letter-spacing: normal;
    margin: 0
}

.program-card__designer {
    margin-top: 10px;
    color: initial
}

.program-card__designer-label {
    font-size: 20px;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: #717983;
    display: block;
    font-weight: 300;
    font-size: 20px;
}

.program-card__description {
    margin-top: 10px;
    color: #a7acb3
}

.program-card__cta {
    display: block;
    margin: 20px auto 0;
    max-width: 300px;
}

.program-card__select {
    display: inline-block;
    margin-top: 10px;
}

.program-expert {
    padding-left: 8px;
    padding-right: 8px;
    padding-top: 12px;
    padding-bottom: 12px;
}

/* end program cards */

/* hamburger menu li items */

/* end hamburger menu items - offsite nav */