:root{--color-navy:#0A1F3F;--color-gold:#8B6E24;--color-white:#FFFFFF;--color-light-gray:#F7F7F7;--color-gray:#6B7280;--color-dark-gray:#374151;--color-text:#1F2937;--color-text-muted:#6B7280;--color-border:#E5E7EB;--color-success:#10B981;--color-error:#EF4444;--color-warning:#F59E0B;--font-primary:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;--font-display:'Playfair Display',serif;--font-size-xs:0.75rem;--font-size-sm:0.875rem;--font-size-base:1rem;--font-size-lg:1.125rem;--font-size-xl:clamp(1.125rem,1.05rem + 0.3vw,1.25rem);--font-size-2xl:clamp(1.25rem,1.1rem + 0.6vw,1.5rem);--font-size-3xl:clamp(1.5rem,1.2rem + 1.2vw,1.875rem);--font-size-4xl:clamp(1.65rem,1.25rem + 1.6vw,2.1rem);--font-size-5xl:clamp(1.9rem,1.35rem + 2.1vw,2.7rem);--font-size-6xl:clamp(2.5rem,1.6rem + 3.6vw,3.75rem);--font-weight-normal:400;--font-weight-medium:500;--font-weight-semibold:600;--font-weight-bold:700;--line-height-tight:1.2;--line-height-snug:1.375;--line-height-normal:1.5;--line-height-relaxed:1.625;--line-height-loose:1.875;--spacing-xs:0.25rem;--spacing-sm:0.5rem;--spacing-md:1rem;--spacing-lg:1.5rem;--spacing-xl:2rem;--spacing-2xl:2.5rem;--spacing-3xl:3rem;--spacing-4xl:4rem;--spacing-5xl:5rem;--spacing-6xl:6rem;--radius-sm:0.375rem;--radius-md:0.5rem;--radius-lg:0.75rem;--radius-xl:1rem;--radius-2xl:1.5rem;--shadow-sm:0 1px 2px 0 rgba(0,0,0,0.05);--shadow-md:0 4px 6px -1px rgba(0,0,0,0.1);--shadow-lg:0 10px 15px -3px rgba(0,0,0,0.1);--shadow-xl:0 20px 25px -5px rgba(0,0,0,0.1);--shadow-2xl:0 25px 50px -12px rgba(0,0,0,0.25);--shadow-premium:0 10px 30px -10px rgba(10,31,63,0.15);--transition-fast:150ms ease-in-out;--transition-base:200ms ease-in-out;--transition-slow:300ms ease-in-out;--z-dropdown:1000;--z-modal:1050;--z-popover:1100}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth;font-size:16px}body{font-family:var(--font-primary);font-size:var(--font-size-base);line-height:1.75;color:var(--color-text);background-color:var(--color-white);overflow-x:hidden;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}h1,h2,h3,h4,h5,h6{font-family:var(--font-display);font-weight:var(--font-weight-bold);line-height:var(--line-height-tight);color:var(--color-navy);margin-bottom:var(--spacing-md);text-wrap:balance}[id]{scroll-margin-top:5rem}h1{font-size:var(--font-size-5xl)}h2{font-size:var(--font-size-4xl)}h3{font-size:var(--font-size-3xl)}h4{font-size:var(--font-size-2xl);font-family:var(--font-primary);font-weight:var(--font-weight-semibold)}h5{font-size:var(--font-size-xl);font-family:var(--font-primary);font-weight:var(--font-weight-semibold)}h6{font-size:var(--font-size-lg);font-family:var(--font-primary);font-weight:var(--font-weight-semibold)}.heading-sm{font-size:var(--font-size-2xl);font-family:var(--font-primary);font-weight:var(--font-weight-semibold);line-height:var(--line-height-tight);color:var(--color-navy);margin-bottom:var(--spacing-md)}p{margin-bottom:var(--spacing-md);text-wrap:pretty}a{color:var(--color-gold);text-decoration:none;transition:color var(--transition-fast)}a:hover{color:#B8932B}button{font-family:var(--font-primary);cursor:pointer;border:none;transition:background-color var(--transition-fast),color var(--transition-fast),opacity var(--transition-fast)}.container{width:100%;max-width:1280px;margin:0 auto;padding:0 var(--spacing-lg)}.container-sm{max-width:640px}.container-md{max-width:896px}.container-lg{max-width:1280px}section{padding:clamp(5rem,7vw,7.5rem) 0}section.py-4xl{padding:7.5rem 0}section.py-5xl{padding:7.5rem 0}.stats-grid,.grid,.split-content,.grid-2-tight{align-items:stretch}.hero-trust-bar-wrap{position:absolute;top:5rem;right:1.5rem;z-index:100;max-width:calc(100% - 3rem)}.hero-trust-bar-inner{display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:0.75rem 1.5rem;border-radius:50px;border:1px solid rgba(255,255,255,0.2);background:rgba(255,255,255,0.15);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);padding:0.65rem 1.25rem;box-shadow:0 4px 20px rgba(0,0,0,0.12)}.hero-trust-bar-inner .trust-bar-item{font-size:0.8125rem;color:rgba(255,255,255,0.95)}.hero-trust-bar-inner .trust-bar-item strong{color:#fff}.hero-trust-bar-inner .trust-bar-divider{height:16px}@media (max-width:768px){.hero-trust-bar-wrap{top:4rem;right:1rem;left:1rem;max-width:none}.hero-trust-bar-inner .trust-bar-divider{display:none}}.trust-bar{padding:1.25rem 0}.trust-bar-inner{display:flex;align-items:center;justify-content:center;gap:2.5rem;border-radius:999px;border:1px solid var(--color-border);background:rgba(255,255,255,0.85);backdrop-filter:blur(10px);padding:0.85rem 1.75rem}.trust-bar-item{display:inline-flex;align-items:center;gap:0.6rem;font-size:var(--font-size-sm);color:var(--color-dark-gray);white-space:nowrap}.trust-bar-icon{font-size:1.05rem}.trust-bar-divider{width:1px;height:22px;background:linear-gradient( to bottom,rgba(148,163,184,0.08),rgba(148,163,184,0.55),rgba(148,163,184,0.08) )}@media (max-width:768px){.trust-bar-inner{flex-wrap:wrap;gap:0.85rem 1.5rem;padding-inline:1.25rem}.trust-bar-divider{display:none}}[data-animate]{opacity:0;transform:translateY(18px);transition:opacity 500ms var(--transition-base),transform 500ms var(--transition-base);will-change:opacity,transform}[data-animate].is-visible{opacity:1;transform:translateY(0)}.stat-number{font-variant-numeric:tabular-nums}.loan-program-grid.bento-grid{grid-template-columns:repeat(3,1fr);grid-auto-rows:minmax(160px,auto)}.loan-program-grid.bento-grid .loan-program-card.bento-wide{grid-column:span 2}.loan-program-card .loan-program-cta{opacity:0;transform:translateY(8px);transition:opacity 0.3s ease,transform 0.3s ease}.loan-program-card:hover .loan-program-cta,.loan-program-card:focus-visible .loan-program-cta{opacity:1;transform:translateY(0)}.loan-program-card h4{transition:transform 0.3s ease}.loan-program-card:hover h4{transform:translateY(-2px)}@media (max-width:900px){.loan-program-grid.bento-grid{grid-template-columns:1fr}.loan-program-grid.bento-grid .loan-program-card.bento-wide{grid-column:span 1}.loan-program-card .loan-program-cta{opacity:1;transform:translateY(0)}}.testimonial-marquee-wrap{position:relative;overflow:hidden;padding:var(--spacing-xl) 0}.testimonial-marquee-track{display:flex;gap:var(--spacing-xl);animation:marquee-scroll 40s linear infinite;width:max-content}.testimonial-marquee-wrap:hover .testimonial-marquee-track{animation-play-state:paused}.testimonial-marquee-card{flex:0 0 380px;background:var(--color-light-gray);border-left:4px solid var(--color-gold);border-radius:var(--radius-xl);padding:var(--spacing-xl);min-height:200px;display:flex;flex-direction:column;justify-content:space-between}.testimonial-marquee-wrap::before,.testimonial-marquee-wrap::after{content:'';position:absolute;top:0;bottom:0;width:80px;z-index:2;pointer-events:none}.testimonial-marquee-wrap::before{left:0;background:linear-gradient(to right,var(--color-white) 0%,transparent 100%)}.testimonial-marquee-wrap::after{right:0;background:linear-gradient(to left,var(--color-white) 0%,transparent 100%)}@keyframes marquee-scroll{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}@media (max-width:600px){.testimonial-marquee-card{flex:0 0 300px}}@media (prefers-reduced-motion:reduce){.testimonial-marquee-track{animation:none;flex-wrap:wrap;width:auto}.testimonial-marquee-card{flex:1 1 300px}.testimonial-marquee-wrap::before,.testimonial-marquee-wrap::after{display:none}}header{transition:background-color 0.3s ease,box-shadow 0.3s ease,backdrop-filter 0.3s ease}header.scrolled{background-color:rgba(255,255,255,0.85);backdrop-filter:blur(20px) saturate(180%);-webkit-backdrop-filter:blur(20px) saturate(180%)}.card{transition:transform 0.3s ease,box-shadow 0.3s ease,border-color 0.3s ease}.card:hover{transform:translateY(-4px);box-shadow:0 12px 32px rgba(10,31,63,0.12),0 0 0 1px rgba(154,123,45,0.2)}.card .card-icon{transition:transform 0.3s ease}.card:hover .card-icon{transform:scale(0.85)}@media (prefers-reduced-motion:reduce){.card:hover{transform:none}.card:hover .card-icon{transform:none}}.hero-gradient-text{background:linear-gradient(135deg,#ffffff 0%,#f0e6c8 40%,#d4b254 70%,#ffffff 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}}@media (prefers-reduced-motion:reduce){.hero-gradient-text{animation:none;-webkit-text-fill-color:#ffffff;background:none}}.stats-grid .stat-number{font-variant-numeric:tabular-nums}.bg-navy.cta-spotlight{position:relative;overflow:hidden}.bg-navy.cta-spotlight::before{content:'';position:absolute;top:-50%;left:-20%;width:60%;height:200%;background:radial-gradient(ellipse at center,rgba(154,123,45,0.15) 0%,transparent 70%);pointer-events:none;animation:spotlight-drift 8s ease-in-out infinite alternate}@keyframes spotlight-drift{0%{transform:translateX(0) translateY(0)}100%{transform:translateX(80%) translateY(-10%)}}.bg-navy.cta-spotlight h2{position:relative;z-index:1}.bg-navy.cta-spotlight p,.bg-navy.cta-spotlight .btn{position:relative;z-index:1}@media (prefers-reduced-motion:reduce){.bg-navy.cta-spotlight::before{animation:none;left:20%}}.product-section .feature-item{background:var(--color-white);border-radius:var(--radius-xl);padding:var(--spacing-xl);border:1px solid var(--color-border);transition:transform 0.3s ease,box-shadow 0.3s ease,border-color 0.3s ease}.product-section .feature-item:hover{transform:translateY(-3px);box-shadow:0 8px 24px rgba(10,31,63,0.1);border-color:var(--color-gold)}.product-section .feature-item h4{transition:color 0.3s ease}.product-section .feature-item:hover h4{color:var(--color-gold)}.quick-jump-grid .btn{transition:transform 0.2s ease,box-shadow 0.2s ease}.quick-jump-grid .btn:hover{transform:translateY(-2px);box-shadow:0 6px 16px rgba(10,31,63,0.12)}@media (prefers-reduced-motion:reduce){.product-section .feature-item:hover,.quick-jump-grid .btn:hover{transform:none}}.form-group.floating{position:relative;margin-bottom:var(--spacing-xl)}.form-group.floating input,.form-group.floating select,.form-group.floating textarea{width:100%;padding:1.25rem 0.875rem 0.5rem;font-size:var(--font-size-base);border:1px solid var(--color-border);border-radius:var(--radius-lg);background:var(--color-white);transition:border-color 0.2s ease,box-shadow 0.2s ease;outline:none}.form-group.floating label{position:absolute;left:0.875rem;top:50%;transform:translateY(-50%);font-size:var(--font-size-base);color:var(--color-gray);pointer-events:none;transition:all 0.2s ease;background:transparent;padding:0 4px}.form-group.floating textarea~label{top:1.25rem;transform:none}.form-group.floating input:focus,.form-group.floating select:focus,.form-group.floating textarea:focus{border-color:var(--color-navy);box-shadow:0 0 0 3px rgba(10,31,63,0.08)}.form-group.floating input:focus~label,.form-group.floating input:not(:placeholder-shown)~label,.form-group.floating select:focus~label,.form-group.floating select:not([value=""])~label,.form-group.floating textarea:focus~label,.form-group.floating textarea:not(:placeholder-shown)~label{top:0;transform:translateY(-50%);font-size:0.75rem;color:var(--color-navy);font-weight:var(--font-weight-medium);background:var(--color-white)}.form-group.floating select~label{top:0;transform:translateY(-50%);font-size:0.75rem;color:var(--color-navy);font-weight:var(--font-weight-medium);background:var(--color-white)}.form-group.floating textarea{min-height:120px;resize:vertical}.contact-info{border-radius:var(--radius-xl);transition:box-shadow 0.3s ease}.contact-ctas a{transition:transform 0.2s ease,box-shadow 0.2s ease}.contact-ctas a:hover{transform:translateY(-2px);box-shadow:0 4px 12px rgba(10,31,63,0.12)}header{background-color:var(--color-white);border-bottom:1px solid var(--color-border);position:sticky;top:0;z-index:100;transition:box-shadow var(--transition-fast)}header.scrolled{box-shadow:var(--shadow-md)}nav{display:flex;justify-content:space-between;align-items:center;padding:var(--spacing-lg) 0}.nav-brand{display:flex;align-items:center;gap:var(--spacing-md);font-size:var(--font-size-xl);font-weight:var(--font-weight-bold);color:var(--color-navy);text-decoration:none}.nav-logo-img{height:90px;width:auto}.nav-links{display:flex;gap:var(--spacing-md);list-style:none;align-items:center}.nav-links a{font-size:var(--font-size-sm);font-weight:var(--font-weight-medium);color:var(--color-text);text-decoration:none;position:relative;transition:color var(--transition-fast)}.nav-links a::after{content:'';position:absolute;bottom:-2px;left:0;width:0;height:2px;background-color:var(--color-gold);transition:width var(--transition-fast)}.nav-links a:hover{color:var(--color-gold)}.nav-links a:hover::after{width:100%}.nav-cta{background-color:#3F2F0F;color:var(--color-white);padding:var(--spacing-sm) var(--spacing-lg);border-radius:var(--radius-lg);font-size:var(--font-size-sm);font-weight:var(--font-weight-semibold);white-space:nowrap;transition:all var(--transition-fast)}.nav-cta:hover{background-color:#2E230B;color:var(--color-white);box-shadow:var(--shadow-lg)}.nav-links a.nav-cta,.nav-links a.nav-cta:hover{color:var(--color-white)}.nav-links a.nav-cta::after{display:none}.nav-has-dropdown{position:relative}.nav-has-dropdown>a::after{content:' ▾';font-size:0.65em;vertical-align:middle;opacity:0.6;display:inline;position:static;width:auto;height:auto;background:none;transition:none}.nav-has-dropdown:hover>a::after{opacity:1;width:auto}.nav-dropdown{display:none;position:absolute;top:100%;left:50%;transform:translateX(-50%);background:var(--color-white);border-top:2px solid var(--color-gold);border-radius:0 0 var(--radius-md) var(--radius-md);box-shadow:var(--shadow-lg);list-style:none;min-width:190px;z-index:var(--z-dropdown);padding:var(--spacing-xs) 0}.nav-has-dropdown::after{content:'';position:absolute;top:100%;left:0;width:100%;height:12px;display:block}.nav-has-dropdown:hover .nav-dropdown,.nav-has-dropdown.open .nav-dropdown{display:block}.nav-dropdown li{border-bottom:none}.nav-dropdown a{display:block;padding:var(--spacing-sm) var(--spacing-lg);white-space:nowrap;font-size:var(--font-size-sm);color:var(--color-text)}.nav-dropdown a:hover{color:var(--color-gold);background-color:var(--color-light-gray)}.nav-dropdown a::after{display:none !important}.mobile-menu-toggle{display:none;flex-direction:column;gap:var(--spacing-xs);background:none;border:none;cursor:pointer;padding:var(--spacing-md);margin:calc(-1 * var(--spacing-md))}.mobile-menu-toggle span{width:24px;height:3px;background-color:var(--color-navy);border-radius:var(--radius-sm);transition:all var(--transition-fast)}footer{background-color:var(--color-navy);color:var(--color-white);padding:var(--spacing-6xl) 0 var(--spacing-3xl);margin-top:var(--spacing-6xl)}.footer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--spacing-4xl);margin-bottom:var(--spacing-4xl)}.footer-section h4{color:var(--color-white);margin-bottom:var(--spacing-lg);font-family:var(--font-display)}.footer-section ul{list-style:none}.footer-section li{margin-bottom:var(--spacing-md)}.footer-section a{color:#E5E7EB;font-size:var(--font-size-sm);transition:color var(--transition-fast)}.footer-section a:hover{color:var(--color-gold)}.footer-section p{font-size:var(--font-size-sm);color:#E5E7EB;margin-bottom:var(--spacing-md)}.footer-divider{height:1px;background-color:rgba(255,255,255,0.1);margin:var(--spacing-4xl) 0}.footer-bottom{display:flex;justify-content:space-between;align-items:center;font-size:var(--font-size-sm);color:#E5E7EB}.footer-nmls{font-size:var(--font-size-xs);color:#9CA3AF;margin-top:var(--spacing-lg);line-height:var(--line-height-relaxed)}.social-links{display:flex;gap:var(--spacing-lg);list-style:none;margin-top:var(--spacing-lg)}.social-links a{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;background-color:rgba(255,255,255,0.1);border-radius:50%;transition:all var(--transition-fast)}.social-links a:hover{background-color:var(--color-gold);color:var(--color-navy)}.social-links a svg{width:18px;height:18px;fill:currentColor}.btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--spacing-sm);padding:var(--spacing-md) var(--spacing-xl);font-size:var(--font-size-sm);font-weight:var(--font-weight-semibold);border-radius:var(--radius-lg);transition:background-color var(--transition-base),color var(--transition-base),box-shadow var(--transition-base),border-color var(--transition-base),opacity var(--transition-base);text-decoration:none;border:2px solid transparent;cursor:pointer}.btn-primary{background-color:#F2C840;color:#0D1F3C;position:relative;overflow:hidden}.btn-primary::before{content:'';position:absolute;top:0;left:-100%;width:60%;height:100%;background:linear-gradient( 120deg,transparent 0%,rgba(255,255,255,0.45) 50%,transparent 100% );transform:skewX(-20deg);transition:left 0.55s ease}.btn-primary:hover::before{left:150%}@media (prefers-reduced-motion:reduce){.btn-primary::before{display:none}}.btn-primary:hover{background-color:#0D1F3C;color:#F2C840;box-shadow:var(--shadow-lg),0 0 20px rgba(201,168,76,0.4),0 0 40px rgba(201,168,76,0.15);transform:translateY(-2px);transition:background-color 0.2s ease,color 0.2s ease,box-shadow 0.2s ease,transform 0.2s ease}.quick-contact-section{position:relative}.quick-contact-card{max-width:520px;margin:0 auto;padding:2rem 2.25rem;border-radius:var(--radius-2xl);border:1px solid rgba(255,255,255,0.5);background:rgba(255,255,255,0.1);backdrop-filter:blur(15px);box-shadow:var(--shadow-premium)}.quick-contact-title{font-size:var(--font-size-3xl);margin-bottom:var(--spacing-md)}.quick-contact-subtitle{font-size:var(--font-size-sm);color:var(--color-gray);margin-bottom:var(--spacing-lg)}.quick-contact-grid{display:grid;gap:var(--spacing-md)}.quick-contact-row{display:grid;grid-template-columns:1fr 1fr;gap:var(--spacing-md)}.quick-contact-actions{display:flex;justify-content:flex-start;margin-top:var(--spacing-lg)}.quick-contact-success{margin-top:var(--spacing-md);font-size:var(--font-size-sm)}@media (max-width:768px){.quick-contact-card{padding:1.5rem 1.75rem}.quick-contact-row{grid-template-columns:1fr}}.btn-secondary{background-color:var(--color-navy);color:var(--color-white)}.btn-secondary:hover{background-color:#051829;box-shadow:var(--shadow-lg);transform:translateY(-2px)}.btn-outline{background-color:transparent;color:#7A5F1F;border:2px solid #7A5F1F}.btn-outline:hover{background-color:#7A5F1F;color:var(--color-white)}.btn-white{background-color:var(--color-white);color:var(--color-navy)}.btn-white:hover{background-color:var(--color-light-gray);box-shadow:0 0 20px rgba(201,168,76,0.4),0 0 40px rgba(201,168,76,0.15);transform:translateY(-2px);transition:background-color 0.2s ease,box-shadow 0.2s ease,transform 0.2s ease}.btn-lg{padding:var(--spacing-lg) var(--spacing-2xl);font-size:var(--font-size-base)}.btn-block{width:100%}.btn-icon{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;padding:0;border-radius:50%}.hero{position:relative;width:100%;height:80vh;max-height:800px;min-height:420px;display:flex;align-items:center;overflow:hidden;color:var(--color-white);background-image:url('assets/hero-bg.webp');background-size:cover;background-position:center 20%;background-attachment:scroll}.hero::before{content:'';position:absolute;inset:0;background:linear-gradient( 100deg,rgba(10,31,63,0.88) 0%,rgba(10,31,63,0.72) 38%,rgba(10,31,63,0.30) 65%,rgba(10,31,63,0.10) 100% );pointer-events:none;z-index:1}.hero>.container{position:relative;z-index:3;width:100%;max-width:1280px;margin-left:0;margin-right:auto;padding-top:var(--spacing-2xl);padding-bottom:var(--spacing-2xl)}.hero-glass-card{max-width:620px;width:100%;padding:0;position:relative;z-index:4}.hero-two-col{display:block}.hero-col-authority{display:flex;flex-direction:column;align-items:flex-start;gap:0}.hero-authority-inner{max-width:620px;margin-bottom:1.25rem}.hero-authority-inner .hero-subtitle{margin-bottom:0}.hero-col-form .hero-trust-badge{margin-bottom:0.75rem}.hero-trust-badge{font-size:0.8rem;font-weight:700;color:#fff;text-align:center;padding:0.5rem 0.85rem;border:2px solid var(--color-gold);border-radius:var(--radius-lg);background:rgba(10,31,63,0.5);box-shadow:0 0 12px rgba(201,168,76,0.25);line-height:1.35;letter-spacing:0.02em}.hero h1{color:#ffffff;font-size:var(--font-size-5xl);line-height:1.18;margin-top:0;margin-bottom:0.65rem;padding-top:0.05em;text-shadow:0 2px 24px rgba(0,0,0,0.55)}.hero-subtitle{font-size:var(--font-size-lg);color:rgba(255,255,255,0.94);line-height:1.5;margin-bottom:var(--spacing-md);max-width:100%;text-shadow:0 1px 12px rgba(0,0,0,0.45)}.hero-ctas{display:flex;gap:0.75rem;flex-wrap:wrap;align-items:center;justify-content:flex-start;margin-bottom:0.5rem}.hero-cta-btn{width:190px;height:46px;font-size:0.875rem;font-weight:700;display:inline-flex;align-items:center;justify-content:center;padding:0;transition:transform 0.25s ease,box-shadow 0.25s ease,background-color 0.2s ease,color 0.2s ease,border-color 0.2s ease}.hero-ctas .btn.hero-cta-btn{width:190px;height:46px;font-size:0.875rem}.hero-ctas .btn:hover{transform:scale(1.05)}.hero-cta-primary:hover{box-shadow:0 0 24px rgba(201,168,76,0.5),0 0 48px rgba(201,168,76,0.2)}@media (prefers-reduced-motion:reduce){.hero-ctas .btn:hover{transform:none}.hero-cta-primary:hover{animation:none}}.hero-call-link{margin:0;font-size:var(--font-size-sm)}.hero-call-link-a{display:inline-flex;align-items:center;gap:0.35rem;color:rgba(255,255,255,0.85);text-decoration:none;transition:color 0.2s ease}.hero-call-link-a:hover{color:var(--color-gold)}.hero-call-icon{flex-shrink:0}.hero-quick-form-glass{background:rgba(255,255,255,0.1);backdrop-filter:blur(15px);-webkit-backdrop-filter:blur(15px);border:1px solid rgba(255,255,255,0.25);border-radius:var(--radius-lg);padding:1.2rem var(--spacing-lg);margin-bottom:var(--spacing-md);position:relative}.hero-quick-form-title{font-size:var(--font-size-sm);font-weight:600;color:var(--color-white);margin:0 0 var(--spacing-md)}.hero-quick-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:var(--spacing-sm) var(--spacing-md)}.hero-quick-form-field label{display:block;font-size:0.75rem;color:rgba(255,255,255,0.8);margin-bottom:0.2rem}.hero-quick-form-field input,.hero-quick-form-field select{width:100%;padding:0.5rem 0.6rem;font-size:0.875rem;border:1px solid rgba(255,255,255,0.3);border-radius:var(--radius-sm);background:rgba(255,255,255,0.15);color:var(--color-white)}.hero-quick-form-field input::placeholder{color:rgba(255,255,255,0.5)}.hero-quick-form-field select option{background:var(--color-navy);color:var(--color-white)}.hero-quick-form-actions{margin-top:var(--spacing-md)}.hero-quick-form-actions .btn-sm{padding:0.5rem 1rem;font-size:0.875rem;height:auto;width:auto}.hero-quick-form-wrap .hero-quick-form{transition:opacity 0.3s ease}.hero-quick-form-wrap .hero-quick-form-success{position:absolute;inset:0;display:flex;align-items:center;padding:var(--spacing-lg);opacity:0;pointer-events:none;transition:opacity 0.3s ease}.hero-quick-form-wrap.submitted .hero-quick-form{opacity:0;pointer-events:none}.hero-quick-form-wrap.submitted .hero-quick-form-success{opacity:1;pointer-events:auto}.hero-quick-form-success-text{font-size:var(--font-size-sm);line-height:1.5;color:var(--color-white);margin:0}@media (max-width:500px){.hero-quick-form-grid{grid-template-columns:1fr}}.btn-hero-ghost{background-color:transparent;color:#fff;border:2px solid rgba(255,255,255,0.85)}.btn-hero-ghost:hover{background-color:rgba(255,255,255,0.12);color:#fff;border-color:#fff}.hero-legal{font-size:0.72rem;color:rgba(255,255,255,0.55);margin-top:0.85rem;letter-spacing:0.02em}.hero-cutout{position:absolute;bottom:0;right:4%;max-height:90%;width:340px;max-width:28%;object-fit:contain;object-position:bottom center;z-index:2;pointer-events:none;filter:drop-shadow(0 10px 20px rgba(0,0,0,0.30))}.hero-content{position:relative;z-index:4}.hero-badge{display:inline-flex;align-items:center;gap:var(--spacing-sm);background-color:rgba(201,168,76,0.2);padding:var(--spacing-sm) var(--spacing-lg);border-radius:var(--radius-xl);font-size:var(--font-size-sm);color:var(--color-white);border:1px solid rgba(201,168,76,0.4)}.hero-badge strong{color:var(--color-gold)}.hero-ratings{display:flex;align-items:center;gap:var(--spacing-sm);flex-wrap:wrap;margin-top:var(--spacing-lg)}.grid{display:grid;gap:var(--spacing-3xl)}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}.card{background-color:var(--color-white);border-radius:var(--radius-xl);padding:var(--spacing-2xl);border:1px solid rgba(0,0,0,0.05);transition:transform 0.3s cubic-bezier(0.34,1.56,0.64,1),box-shadow 0.3s cubic-bezier(0.34,1.56,0.64,1),border-color 0.2s ease}.card:hover{box-shadow:var(--shadow-premium);transform:translateY(-8px);border-color:var(--color-gold)}.card-icon{display:flex;align-items:center;justify-content:center;width:60px;height:60px;background-color:rgba(201,168,76,0.1);border-radius:var(--radius-lg);margin-bottom:var(--spacing-lg);font-size:var(--font-size-2xl);color:var(--color-gold)}.card h3{margin-bottom:var(--spacing-md)}.card p{color:var(--color-gray);font-size:var(--font-size-sm)}.testimonial{background-color:var(--color-light-gray);border-left:4px solid var(--color-gold);padding:var(--spacing-2xl);border-radius:var(--radius-lg);margin-bottom:var(--spacing-2xl)}.testimonial-content{font-style:italic;color:var(--color-text);margin-bottom:var(--spacing-lg);font-size:var(--font-size-sm)}.testimonial-author{display:flex;align-items:center;gap:var(--spacing-md)}.testimonial-avatar{width:45px;height:45px;border-radius:50%;background-color:var(--color-gold);display:flex;align-items:center;justify-content:center;color:var(--color-navy);font-weight:var(--font-weight-bold);font-size:var(--font-size-lg)}.testimonial-meta{display:flex;flex-direction:column}.testimonial-name{font-weight:var(--font-weight-semibold);font-size:var(--font-size-sm);color:var(--color-navy)}.testimonial-location{font-size:var(--font-size-xs);color:var(--color-gray)}.testimonial-type{font-size:var(--font-size-xs);color:var(--color-gold);font-weight:var(--font-weight-semibold)}.stars{display:flex;align-items:center;gap:2px;margin-bottom:var(--spacing-sm)}.star-svg{display:inline-block;flex-shrink:0}.review-source{display:inline-flex;align-items:center;gap:0.35rem;font-size:0.72rem;color:var(--color-gray);margin-top:0.5rem;font-weight:500;letter-spacing:0.02em}.review-aggregate-bar{display:flex;justify-content:center;align-items:center;gap:2.5rem;margin-bottom:var(--spacing-3xl);flex-wrap:wrap}.review-aggregate-item{display:inline-flex;align-items:center;gap:0.4rem}.review-aggregate-rating{font-size:1rem;font-weight:700;color:#7A5F1F;letter-spacing:-0.01em}.review-aggregate-count{font-size:0.78rem;color:var(--color-text-muted);font-weight:500}.review-aggregate-divider{width:1px;height:1.75rem;background:rgba(255,255,255,0.12)}@media (max-width:480px){.review-aggregate-bar{gap:1.25rem}.review-aggregate-divider{display:none}}.hero-rating-chip{display:inline-flex;align-items:center;gap:0.45rem;background:rgba(201,168,76,0.18);border:1px solid rgba(242,200,64,0.5);color:#fff;font-size:0.8rem;font-weight:600;padding:0.35rem 0.8rem;border-radius:100px;margin-bottom:1rem;letter-spacing:0.01em;max-width:100%}.form-group{margin-bottom:var(--spacing-2xl)}label{display:block;font-weight:var(--font-weight-medium);margin-bottom:var(--spacing-sm);color:var(--color-text);font-size:var(--font-size-sm)}input,select,textarea{width:100%;padding:var(--spacing-md);border:1px solid var(--color-border);border-radius:var(--radius-md);font-family:var(--font-primary);font-size:var(--font-size-base);transition:border-color var(--transition-fast),box-shadow var(--transition-fast)}input:focus,select:focus,textarea:focus{outline:none;border-color:var(--color-gold);box-shadow:0 0 0 3px rgba(201,168,76,0.1)}textarea{resize:vertical;min-height:120px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:var(--spacing-2xl)}.form-group.full{grid-column:1 / -1}.form-error{border-color:var(--color-error) !important}.error-message{color:var(--color-error);font-size:var(--font-size-sm);margin-top:var(--spacing-sm)}.bg-navy{background-color:var(--color-navy);color:var(--color-white)}.bg-navy h2,.bg-navy h3{color:var(--color-white)}.bg-light{background-color:var(--color-light-gray)}.bg-gradient{background:linear-gradient(135deg,var(--color-navy) 0%,#1a3a5c 100%);color:var(--color-white)}.bg-gradient h2,.bg-gradient h3{color:var(--color-white)}.text-center{text-align:center}.text-link{color:#7A5F1F;font-weight:600}.text-gold{color:var(--color-gold)}.text-navy{color:var(--color-navy)}.stats-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--spacing-3xl);text-align:center}.stat-item{padding:var(--spacing-2xl)}.stat-number{font-size:var(--font-size-5xl);font-weight:var(--font-weight-bold);color:var(--color-gold);margin-bottom:var(--spacing-sm);font-family:var(--font-display)}.stat-label{font-size:var(--font-size-lg);color:var(--color-text)}.bg-navy .stat-label{color:rgba(255,255,255,0.9)}.stats-strip{padding:var(--spacing-2xl) 0;border-top:3px solid var(--color-gold)}.stats-grid-4{grid-template-columns:repeat(4,1fr);gap:0}.stat-strip-item{padding:var(--spacing-xl) var(--spacing-2xl);text-align:center}.stat-strip-item+.stat-strip-item{border-left:1px solid rgba(255,255,255,0.12)}@media (max-width:700px){.stats-grid-4{grid-template-columns:repeat(2,1fr)}.stat-strip-item+.stat-strip-item{border-left:none}.stat-strip-item:nth-child(odd){border-right:1px solid rgba(255,255,255,0.12)}.stat-strip-item:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,0.12);padding-bottom:var(--spacing-xl)}}.feature-list{list-style:none}.feature-list li{padding:var(--spacing-md) 0;padding-left:var(--spacing-2xl);position:relative;font-size:var(--font-size-sm);line-height:var(--line-height-relaxed)}.feature-list li::before{content:'✓';position:absolute;left:0;top:var(--spacing-md);color:var(--color-gold);font-weight:var(--font-weight-bold);font-size:1.25rem}.feature-list.text-white li::before{color:var(--color-gold)}.accordion{border:1px solid var(--color-border);border-radius:var(--radius-lg);overflow:hidden}.accordion-item{border-bottom:1px solid var(--color-border)}.accordion-item:last-child{border-bottom:none}.accordion-button{width:100%;padding:var(--spacing-lg) var(--spacing-2xl);background-color:var(--color-white);border:none;text-align:left;font-size:var(--font-size-base);font-weight:var(--font-weight-medium);color:var(--color-navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;transition:background-color var(--transition-fast)}.accordion-button:hover{background-color:var(--color-light-gray)}.accordion-button.active{color:var(--color-gold)}.accordion-button::after{content:'+';font-size:var(--font-size-lg);transition:transform var(--transition-fast)}.accordion-button.active::after{transform:rotate(45deg)}.accordion-content{max-height:0;overflow:hidden;transition:max-height var(--transition-slow);background-color:var(--color-light-gray)}.accordion-content.active{max-height:500px}.accordion-body{padding:var(--spacing-lg) var(--spacing-2xl)}.tabs{border-bottom:2px solid var(--color-border);display:flex;gap:var(--spacing-2xl);margin-bottom:var(--spacing-3xl)}.tab-button{background:none;border:none;padding:var(--spacing-lg) 0;font-size:var(--font-size-base);font-weight:var(--font-weight-medium);color:var(--color-gray);cursor:pointer;position:relative;transition:color var(--transition-fast)}.tab-button:hover{color:var(--color-navy)}.tab-button.active{color:var(--color-gold)}.tab-button.active::after{content:'';position:absolute;bottom:-2px;left:0;right:0;height:2px;background-color:var(--color-gold)}.tab-content{display:none}.tab-content.active{display:block;animation:fadeIn 200ms ease-in-out}@keyframes fadeIn{from{opacity:0}to{opacity:1}}img{max-width:100%;height:auto;display:block}.img-responsive{width:100%;height:auto}.img-rounded{border-radius:var(--radius-lg)}.img-circle{border-radius:50%;object-fit:cover}.img-full{width:100%;height:auto}.img-block{display:block}.hero-headshot{width:100%;max-width:380px;border-radius:var(--radius-lg);box-shadow:0 20px 60px rgba(0,0,0,0.4);border:4px solid rgba(201,168,76,0.3);height:auto}.mt-md{margin-top:var(--spacing-md)}.mt-lg{margin-top:var(--spacing-lg)}.mt-xl{margin-top:var(--spacing-xl)}.mt-2xl{margin-top:var(--spacing-2xl)}.mt-3xl{margin-top:var(--spacing-3xl)}.mb-md{margin-bottom:var(--spacing-md)}.mb-lg{margin-bottom:var(--spacing-lg)}.mb-xl{margin-bottom:var(--spacing-xl)}.mb-2xl{margin-bottom:var(--spacing-2xl)}.mb-3xl{margin-bottom:var(--spacing-3xl)}.py-lg{padding:var(--spacing-lg) 0}.py-2xl{padding:var(--spacing-2xl) 0}.py-3xl{padding:var(--spacing-3xl) 0}.px-lg{padding:0 var(--spacing-lg)}.px-2xl{padding:0 var(--spacing-2xl)}.gap-lg{gap:var(--spacing-lg)}.gap-2xl{gap:var(--spacing-2xl)}.flex{display:flex}.flex-col{flex-direction:column}.flex-between{display:flex;justify-content:space-between;align-items:center}.flex-center{display:flex;justify-content:center;align-items:center}.gap-sm{gap:var(--spacing-sm)}.gap-md{gap:var(--spacing-md)}.gap-lg{gap:var(--spacing-lg)}.gap-xl{gap:var(--spacing-xl)}.w-full{width:100%}.h-full{height:100%}.max-w-md{max-width:28rem}.max-w-lg{max-width:32rem}.max-w-2xl{max-width:42rem}.max-w-3xl{max-width:48rem}.max-w-4xl{max-width:56rem}.opacity-50{opacity:0.5}.opacity-75{opacity:0.75}.rounded-lg{border-radius:var(--radius-lg)}.rounded-xl{border-radius:var(--radius-xl)}.shadow-lg{box-shadow:var(--shadow-lg)}.shadow-xl{box-shadow:var(--shadow-xl)}.uppercase{text-transform:uppercase}.capitalize{text-transform:capitalize}.calc-layout{display:grid;grid-template-columns:1fr 1fr;gap:var(--spacing-xl);align-items:start}.mx-auto{margin-inline:auto}.mb-sm{margin-bottom:var(--spacing-sm)}.mb-md{margin-bottom:var(--spacing-md)}.mb-lg{margin-bottom:var(--spacing-lg)}.text-muted{color:var(--color-gray)}.text-sm{font-size:var(--font-size-sm)}.text-base{font-size:var(--font-size-base)}.text-lg{font-size:var(--font-size-lg);color:var(--color-gray);line-height:var(--line-height-relaxed)}.text-white{color:var(--color-white)}.text-white-90{color:rgba(255,255,255,0.9)}.card-gold-top{border-top:4px solid var(--color-gold)}.card-centered{text-align:center;padding:var(--spacing-2xl)}.card-icon-lg{font-size:3rem;margin-bottom:var(--spacing-md)}.info-box{background-color:var(--color-light-gray);padding:var(--spacing-lg);border-radius:var(--radius-lg);margin-top:var(--spacing-lg)}.info-box h4{margin-bottom:var(--spacing-md);color:var(--color-navy)}.quick-jump-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--spacing-md)}@media (max-width:768px){.quick-jump-grid{grid-template-columns:repeat(2,1fr)}}.grid-2-content{display:grid;grid-template-columns:1fr 1fr;gap:var(--spacing-xl);margin-top:var(--spacing-xl)}@media (max-width:768px){.grid-2-content{grid-template-columns:1fr}}.product-desc{font-size:var(--font-size-lg);color:var(--color-gray);margin-bottom:var(--spacing-lg)}.product-subtitle{margin-top:var(--spacing-lg);margin-bottom:var(--spacing-md)}.contact-detail{font-size:var(--font-size-sm);color:rgba(255,255,255,0.7);margin-top:var(--spacing-xs)}.content-readable{max-width:900px;margin-inline:auto}.overflow-hidden{overflow:hidden}.section-intro{text-align:center;color:var(--color-gray);margin-bottom:var(--spacing-3xl);max-width:700px;margin-inline:auto}.cta-group{display:flex;gap:var(--spacing-md);justify-content:center;flex-wrap:wrap}.content-narrow{max-width:800px;margin-inline:auto}.content-medium{max-width:600px;margin-inline:auto}.separator{margin:var(--spacing-lg) 0;border:none;border-top:1px solid var(--color-border)}.input-hint{font-size:var(--font-size-xs);color:var(--color-gray);margin-top:var(--spacing-xs)}.tabs-wrapper{margin-bottom:var(--spacing-3xl)}.section-cta{text-align:center;margin-top:var(--spacing-3xl)}.split-hero{display:grid;grid-template-columns:1.2fr 0.8fr;gap:var(--spacing-3xl);align-items:center}.split-content{display:grid;grid-template-columns:1fr 1fr;gap:var(--spacing-3xl);align-items:center;margin-bottom:var(--spacing-3xl)}.split-content-reverse{display:grid;grid-template-columns:1fr 1.2fr;gap:var(--spacing-3xl);align-items:center}.grid-2-tight{display:grid;grid-template-columns:1fr 1fr;gap:var(--spacing-lg)}.hero-content--left{text-align:left}.hero-trust{color:rgba(255,255,255,0.8);font-size:var(--font-size-sm)}@media (max-width:768px){.calc-layout,.split-hero,.split-content,.split-content-reverse,.grid-2-tight{grid-template-columns:1fr;gap:var(--spacing-xl)}.split-hero{text-align:center}.hero-content--left{text-align:center}.cta-group{flex-direction:column;align-items:center}}@keyframes slideInUp{from{opacity:0;transform:translateY(30px)}to{opacity:1;transform:translateY(0)}}@keyframes slideInLeft{from{opacity:0;transform:translateX(-30px)}to{opacity:1;transform:translateX(0)}}@keyframes slideInRight{from{opacity:0;transform:translateX(30px)}to{opacity:1;transform:translateX(0)}}@keyframes fadeInScale{from{opacity:0;transform:scale(0.95)}to{opacity:1;transform:scale(1)}}.animate-on-scroll{opacity:0;animation:slideInUp 0.6s ease-out forwards}.animate-on-scroll.visible{opacity:1}.photo-gallery{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--spacing-lg);max-width:800px;margin:0 auto}.photo-gallery-item{border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4 / 3;background-color:var(--color-light-gray)}.photo-gallery-item img{width:100%;height:100%;object-fit:cover;display:block;transition:transform 0.4s ease}.photo-gallery-item:hover img{transform:scale(1.05)}@media (max-width:480px){.photo-gallery{grid-template-columns:1fr;gap:var(--spacing-md)}}@media (max-width:1024px){:root{--font-size-5xl:2.25rem;--font-size-6xl:2.5rem}h1{font-size:var(--font-size-5xl)}h2{font-size:var(--font-size-3xl)}.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}.stats-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:repeat(2,1fr)}.nav-links{gap:var(--spacing-sm)}.nav-links a{font-size:var(--font-size-xs)}section{padding:var(--spacing-4xl) 0}.hero{padding:var(--spacing-4xl) 0}.hero h1{font-size:var(--font-size-4xl)}.hero-subtitle{font-size:var(--font-size-lg)}.hero-ctas{flex-direction:column;align-items:flex-start}.hero-ctas a{width:100%}.form-row{grid-template-columns:1fr}}@media (max-width:768px){:root{--font-size-4xl:1.875rem;--font-size-3xl:1.5rem;--spacing-6xl:3rem;--spacing-5xl:2.5rem}html{font-size:15px}.nav-links{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;gap:0;background-color:var(--color-white);border-top:1px solid var(--color-border);border-bottom:1px solid var(--color-border);padding:var(--spacing-lg) 0;z-index:var(--z-dropdown)}.nav-links.active{display:flex}.nav-links li{border-bottom:1px solid var(--color-border)}.nav-links li:last-child{border-bottom:none}.nav-links a{display:block;padding:var(--spacing-md) var(--spacing-lg)}.nav-cta{display:none}.mobile-menu-toggle{display:flex}.nav-dropdown{position:static;transform:none;box-shadow:none;border-top:none;border-left:3px solid var(--color-gold);border-radius:0;background:var(--color-light-gray);padding:0;min-width:0}.nav-has-dropdown:hover .nav-dropdown{display:none}.nav-has-dropdown.open .nav-dropdown{display:block}.nav-dropdown a{padding-left:var(--spacing-2xl);font-size:var(--font-size-sm)}.nav-has-dropdown>a::after{content:' ▾'}.nav-has-dropdown.open>a::after{content:' ▴'}h1{font-size:var(--font-size-3xl)}h2{font-size:var(--font-size-2xl)}h3{font-size:var(--font-size-xl)}section{padding:var(--spacing-3xl) 0}.container{padding:0 var(--spacing-lg)}.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr;gap:var(--spacing-2xl)}.footer-bottom{flex-direction:column;gap:var(--spacing-lg);align-items:flex-start}.hero{height:auto;min-height:auto;max-height:none;padding:var(--spacing-3xl) 0}.hero h1{font-size:var(--font-size-3xl);word-wrap:break-word;overflow-wrap:break-word}.hero-subtitle{font-size:var(--font-size-base)}.hero-two-col{grid-template-columns:1fr;gap:1.25rem}.hero>.container{margin-left:auto;margin-right:auto}.hero-col-authority{align-items:center;text-align:center}.hero-authority-inner{max-width:100%}.hero-ctas{justify-content:center}.hero-glass-card{max-width:100%;padding:var(--spacing-xl) var(--spacing-lg);overflow:hidden}.hero-rating-chip{white-space:normal;text-align:center;justify-content:center}.hero-trust-badge{word-wrap:break-word;overflow-wrap:break-word}.hero-cutout{display:none}.card{padding:var(--spacing-lg)}.btn{padding:var(--spacing-md) var(--spacing-lg);font-size:var(--font-size-xs)}.btn-lg{padding:var(--spacing-md) var(--spacing-xl);font-size:var(--font-size-sm)}.form-row{grid-template-columns:1fr;gap:var(--spacing-lg)}.tabs{flex-wrap:wrap;gap:var(--spacing-lg)}.tab-button{padding:var(--spacing-md) 0;font-size:var(--font-size-sm)}.stats-grid{grid-template-columns:1fr;gap:var(--spacing-2xl)}.stat-number{font-size:var(--font-size-4xl)}.stat-label{font-size:var(--font-size-base)}.nav-logo-img{height:55px}}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border-width:0}button:focus,a:focus,input:focus,select:focus,textarea:focus{outline:2px solid var(--color-gold);outline-offset:2px}.skip-link{position:absolute;top:-40px;left:0;background:var(--color-navy);color:var(--color-white);padding:var(--spacing-md);text-decoration:none;border-radius:var(--radius-md);z-index:100}.skip-link:focus{top:var(--spacing-lg)}@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:0.01ms !important;animation-iteration-count:1 !important;transition-duration:0.01ms !important;scroll-behavior:auto !important}.card:hover{transform:none}.animate-on-scroll{opacity:1;transform:none}}:focus:not(:focus-visible){outline:none}:focus-visible{outline:2px solid var(--color-gold);outline-offset:2px}@media (forced-colors:active){.btn{border:2px solid ButtonText}.card{border:1px solid CanvasText}}[aria-live="polite"]{position:relative}.loading{pointer-events:none;opacity:0.7}.loading::after{content:'';display:inline-block;width:16px;height:16px;border:2px solid rgba(0,0,0,0.1);border-top-color:var(--color-gold);border-radius:50%;animation:spin 0.8s linear infinite;margin-left:var(--spacing-sm)}@keyframes spin{to{transform:rotate(360deg)}}.breadcrumb{display:flex;gap:var(--spacing-md);font-size:var(--font-size-sm);margin-bottom:var(--spacing-2xl)}.breadcrumb a{color:var(--color-gold)}.breadcrumb a:hover{text-decoration:underline}.breadcrumb li{list-style:none}.breadcrumb li:not(:last-child)::after{content:'/';margin-left:var(--spacing-md);color:var(--color-border)}.map-container{border-radius:var(--radius-lg);overflow:hidden;height:400px;border:1px solid var(--color-border)}.map-container iframe{width:100%;height:100%;border:none}.calculator-input{display:flex;flex-direction:column}.calculator-input label{margin-bottom:var(--spacing-sm)}.input-with-unit{display:flex;gap:var(--spacing-sm)}.input-with-unit input{flex:1}.input-unit{padding:var(--spacing-sm) var(--spacing-md);background-color:var(--color-light-gray);border:1px solid var(--color-border);border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;font-size:var(--font-size-sm);font-weight:var(--font-weight-medium);color:var(--color-text);min-width:44px}.calc-range{width:100%;margin-bottom:var(--spacing-sm);accent-color:var(--color-gold);cursor:pointer;height:6px}.calculator-output{background-color:var(--color-light-gray);padding:var(--spacing-lg);border-radius:var(--radius-lg);border-left:4px solid var(--color-gold)}.output-row{display:flex;justify-content:space-between;padding:var(--spacing-sm) 0;border-bottom:1px solid var(--color-border)}.output-row:last-child{border-bottom:none}.output-label{color:var(--color-gray);font-size:var(--font-size-sm)}.output-value{font-weight:var(--font-weight-bold);color:var(--color-navy);font-family:'Courier New',monospace}.output-value.highlight{color:var(--color-gold);font-size:var(--font-size-lg)}.calculator-disclaimer{font-size:var(--font-size-xs);color:var(--color-gray);margin-top:var(--spacing-lg);font-style:italic}.calculator-placeholder{color:var(--color-gray);margin:0}.calculator-output--warning{border-left-color:#EF4444}.calculator-warning{color:#DC2626;margin:0 0 var(--spacing-md)}.output-row--total{padding-top:var(--spacing-lg);border-top:2px solid var(--color-border)}.output-label--bold{font-weight:var(--font-weight-semibold)}.output-value--positive{color:#10B981}.output-value--negative{color:#EF4444}.calc-tabs{display:flex;gap:var(--spacing-sm);border-bottom:2px solid var(--color-border);margin-bottom:var(--spacing-lg);overflow-x:auto;-webkit-overflow-scrolling:touch}.calc-tab{padding:var(--spacing-md) var(--spacing-xl);background:none;border:none;border-bottom:3px solid transparent;font-family:var(--font-primary);font-size:var(--font-size-sm);font-weight:var(--font-weight-semibold);color:var(--color-gray);cursor:pointer;white-space:nowrap;transition:color var(--transition-fast),border-color var(--transition-fast)}.calc-tab:hover{color:var(--color-navy)}.calc-tab.active{color:var(--color-navy);border-bottom-color:var(--color-gold)}.calc-panel{display:none}.calc-panel.active{display:block}.calc-panel h3{margin-bottom:var(--spacing-sm)}.calculator-input .form-group{margin-bottom:var(--spacing-md)}.calculator-input label{display:block;margin-bottom:var(--spacing-sm);font-weight:var(--font-weight-medium);font-size:var(--font-size-sm);color:var(--color-navy)}.calculator-input input,.calculator-input select{width:100%;padding:var(--spacing-sm) var(--spacing-md);border:1px solid var(--color-border);border-radius:var(--radius-md);font-size:var(--font-size-base);font-family:var(--font-primary);color:var(--color-text);transition:border-color var(--transition-fast)}.calculator-input input:focus,.calculator-input select:focus{outline:none;border-color:var(--color-gold);box-shadow:0 0 0 3px rgba(201,168,76,0.15)}.output-row--total{border-bottom:none;padding-top:var(--spacing-lg);margin-top:var(--spacing-sm);border-top:2px solid var(--color-gold)}.output-label--bold{font-weight:var(--font-weight-bold);color:var(--color-navy)}.calculator-output h4{margin-bottom:var(--spacing-sm);color:var(--color-navy);font-size:var(--font-size-lg)}.calc-compare{display:grid;grid-template-columns:1fr 1fr;gap:var(--spacing-lg)}.calc-compare .calculator-input{padding:var(--spacing-md);background:var(--color-white);border-radius:var(--radius-lg);border:1px solid var(--color-border)}.calc-compare .calculator-input h4{margin-bottom:var(--spacing-lg);color:var(--color-navy);padding-bottom:var(--spacing-md);border-bottom:2px solid var(--color-gold)}@media (max-width:768px){.calc-tabs{gap:0}.calc-tab{padding:var(--spacing-sm) var(--spacing-md);font-size:var(--font-size-xs)}.calc-compare{grid-template-columns:1fr}}.toast{position:fixed;top:20px;right:20px;padding:12px 20px;border-radius:var(--radius-md);z-index:1000;animation:slideInRight 300ms ease-out;color:white}.toast--success{background-color:#10B981}.alert-success{background-color:#D1FAE5;color:#065F46;padding:var(--spacing-md);border-radius:var(--radius-md);margin-bottom:var(--spacing-md);border-left:4px solid #10B981}.chart-placeholder{width:100%;height:300px;background:linear-gradient(135deg,rgba(201,168,76,0.05) 0%,rgba(201,168,76,0.02) 100%);border-radius:var(--radius-lg);display:flex;align-items:center;justify-content:center;color:var(--color-gray);font-size:var(--font-size-sm)}.product-section{border-bottom:1px solid var(--color-border);padding:var(--spacing-3xl) 0}.product-section:last-child{border-bottom:none}.product-header{display:grid;grid-template-columns:1.5fr 1fr;gap:var(--spacing-3xl);align-items:center}.product-features{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--spacing-xl)}.feature-item{padding:var(--spacing-lg);background-color:var(--color-light-gray);border-radius:var(--radius-lg);border:1px solid var(--color-border)}.feature-item h4{margin-bottom:var(--spacing-sm)}.feature-item p{font-size:var(--font-size-sm);color:var(--color-gray);margin:0}.loan-programs-intro{margin-bottom:var(--spacing-4xl)}.loan-program-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--spacing-xl);align-items:stretch}.loan-program-card{display:block;padding:20px;border-radius:var(--radius-lg);border:1px solid rgba(10,31,63,0.08);background:rgba(255,255,255,0.1);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);text-decoration:none;color:var(--color-text);transition:transform 0.25s ease,box-shadow 0.25s ease}.loan-program-card:hover,.loan-program-card:focus-visible{transform:scale(1.02);box-shadow:0 8px 24px rgba(201,168,76,0.22)}.loan-program-card:focus-visible{outline:2px solid var(--color-gold);outline-offset:2px}@media (prefers-reduced-motion:reduce){.loan-program-card{transition:box-shadow 0.2s ease}.loan-program-card:hover,.loan-program-card:focus-visible{transform:none}}.loan-program-card h4{color:var(--color-navy);margin-bottom:var(--spacing-sm);font-size:var(--font-size-xl)}.loan-program-card p{font-size:var(--font-size-sm);color:var(--color-dark-gray);margin:0 0 var(--spacing-md);line-height:1.5}.loan-program-cta{font-size:var(--font-size-sm);font-weight:var(--font-weight-medium);color:var(--color-gold);text-decoration:underline;text-underline-offset:3px}.loan-program-card:hover .loan-program-cta{color:#B8932B}@media (max-width:900px){.loan-program-grid{grid-template-columns:1fr}}.bio-section{display:grid;grid-template-columns:1fr 1fr;gap:var(--spacing-3xl);align-items:center;margin-bottom:var(--spacing-4xl)}.headshot{border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-xl)}.headshot img{width:100%;height:auto;display:block}.timeline{position:relative;padding:var(--spacing-3xl) 0}.timeline-item{display:flex;gap:var(--spacing-2xl);margin-bottom:var(--spacing-3xl);padding-left:var(--spacing-2xl);position:relative}.timeline-item::before{content:'';position:absolute;left:0;top:0;width:16px;height:16px;background-color:var(--color-gold);border-radius:50%;border:3px solid var(--color-white);box-shadow:0 0 0 3px var(--color-gold)}.timeline-item::after{content:'';position:absolute;left:7.5px;top:16px;width:1px;height:calc(100%+var(--spacing-3xl));background-color:var(--color-gold)}.timeline-item:last-child::after{display:none}.timeline-content h4{margin-bottom:var(--spacing-sm)}.timeline-date{font-size:var(--font-size-sm);color:var(--color-gold);font-weight:var(--font-weight-semibold)}.timeline-description{font-size:var(--font-size-sm);color:var(--color-gray)}.contact-grid{display:grid;grid-template-columns:2fr 1fr;gap:var(--spacing-3xl)}.contact-info{background-color:var(--color-navy);color:var(--color-white);padding:var(--spacing-3xl);border-radius:var(--radius-xl)}.contact-info h3{color:var(--color-white);margin-bottom:var(--spacing-2xl)}.contact-item{margin-bottom:var(--spacing-2xl);padding-bottom:var(--spacing-2xl);border-bottom:1px solid rgba(255,255,255,0.1)}.contact-item:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}.contact-label{font-size:var(--font-size-xs);color:rgba(255,255,255,0.7);text-transform:uppercase;letter-spacing:0.5px;margin-bottom:var(--spacing-sm)}.contact-value{font-size:var(--font-size-lg);font-weight:var(--font-weight-semibold);color:var(--color-white)}.contact-value a{color:var(--color-gold)}.contact-value a:hover{text-decoration:underline}.business-hours{list-style:none;font-size:var(--font-size-sm)}.business-hours li{display:flex;justify-content:space-between;margin-bottom:var(--spacing-sm)}.contact-ctas{display:flex;flex-direction:column;gap:var(--spacing-md);margin-top:var(--spacing-2xl)}.contact-ctas a{padding:var(--spacing-md);background-color:var(--color-gold);color:var(--color-navy);border-radius:var(--radius-lg);text-align:center;font-weight:var(--font-weight-semibold);transition:all var(--transition-fast)}.contact-ctas a:hover{background-color:#B8932B;box-shadow:var(--shadow-lg)}.value-prop{display:grid;grid-template-columns:1fr 1fr;gap:var(--spacing-3xl);align-items:center;margin-bottom:var(--spacing-4xl)}.value-prop-image{border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-lg)}.value-prop-image img{width:100%;height:100%;object-fit:cover;display:block}.realtor-cta-image{border-radius:var(--radius-xl);overflow:hidden;box-shadow:var(--shadow-lg)}.realtor-cta-image img{width:100%;height:100%;object-fit:cover;display:block}.how-it-works{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--spacing-2xl)}.how-it-works-step{text-align:center;position:relative}.step-number{display:inline-flex;align-items:center;justify-content:center;width:60px;height:60px;background-color:var(--color-gold);color:var(--color-navy);font-weight:var(--font-weight-bold);font-size:var(--font-size-2xl);border-radius:50%;margin-bottom:var(--spacing-lg)}.how-it-works-step h4{margin-bottom:var(--spacing-md)}.how-it-works-step p{font-size:var(--font-size-sm);color:var(--color-gray);margin:0}.how-it-works-step:not(:last-child)::after{content:'';position:absolute;top:30px;left:60px;right:-100%;height:2px;background-color:var(--color-gold)}@media (max-width:768px){.product-header{grid-template-columns:1fr}.product-features{grid-template-columns:1fr}.bio-section{grid-template-columns:1fr}.contact-grid{grid-template-columns:1fr}.value-prop{grid-template-columns:1fr}.how-it-works{grid-template-columns:1fr}.how-it-works-step::after{display:none}}.testimonial--featured{background:linear-gradient(135deg,rgba(201,168,76,0.05),rgba(201,168,76,0.1));border-color:var(--color-gold);padding:var(--spacing-3xl)}.testimonial--featured .testimonial-content{font-size:var(--font-size-lg);line-height:1.8}.testimonial-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--spacing-2xl);text-align:center;max-width:700px;margin:0 auto}.testimonial-stat-number{font-family:var(--font-display);font-size:var(--font-size-4xl);font-weight:700;color:var(--color-gold);line-height:1;margin-bottom:var(--spacing-xs)}.testimonial-stat-label{font-size:var(--font-size-sm);color:var(--color-gray);text-transform:uppercase;letter-spacing:0.05em;font-weight:var(--font-weight-medium)}.testimonial-filter{display:flex;justify-content:center;gap:var(--spacing-sm);flex-wrap:wrap;margin-bottom:var(--spacing-3xl)}.testimonial-filter-btn{background:none;border:2px solid var(--color-border);border-radius:var(--radius-2xl);padding:var(--spacing-sm) var(--spacing-xl);font-size:var(--font-size-sm);font-weight:var(--font-weight-medium);color:var(--color-gray);cursor:pointer;transition:all var(--transition-fast)}.testimonial-filter-btn:hover{border-color:var(--color-gold);color:var(--color-navy)}.testimonial-filter-btn.active{background-color:var(--color-gold);border-color:var(--color-gold);color:var(--color-white)}.testimonials-grid{max-width:900px;margin:0 auto}.testimonials-grid .testimonial{transition:opacity 0.3s ease,transform 0.3s ease}.testimonials-grid .testimonial.hidden{display:none}.review-links{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--spacing-xl);max-width:600px;margin:0 auto}.review-link-card{display:flex;align-items:center;gap:var(--spacing-md);padding:var(--spacing-xl);background:var(--color-white);border:1px solid var(--color-border);border-radius:var(--radius-lg);text-decoration:none;color:var(--color-navy);font-weight:var(--font-weight-medium);transition:all var(--transition-fast)}.review-link-card:hover{border-color:var(--color-gold);box-shadow:var(--shadow-md);transform:translateY(-2px)}.blog-card{display:flex;flex-direction:column;text-decoration:none;color:var(--color-text)}.blog-card-category{display:inline-block;background-color:rgba(201,168,76,0.1);color:var(--color-gold);font-size:var(--font-size-xs);font-weight:var(--font-weight-semibold);text-transform:uppercase;letter-spacing:0.05em;padding:var(--spacing-xs) var(--spacing-md);border-radius:var(--radius-2xl);margin-bottom:var(--spacing-md);width:fit-content}.blog-card-title{font-family:var(--font-display);font-size:var(--font-size-xl);color:var(--color-navy);margin-bottom:var(--spacing-md);line-height:1.3}.blog-card-excerpt{font-size:var(--font-size-sm);color:var(--color-gray);line-height:1.6;margin-bottom:var(--spacing-lg);flex-grow:1}.blog-card-meta{display:flex;justify-content:space-between;font-size:var(--font-size-xs);color:var(--color-gray);border-top:1px solid var(--color-border);padding-top:var(--spacing-md)}.blog-filter-btn{padding:0.375rem 1rem;font-size:0.8125rem;font-weight:500;border:1px solid var(--color-border);border-radius:2rem;background:white;color:var(--color-gray);cursor:pointer;transition:all 0.2s ease}.blog-filter-btn:hover{border-color:var(--color-navy);color:var(--color-navy)}.blog-filter-btn.active{background:var(--color-navy);border-color:var(--color-navy);color:white}.breadcrumb ol{display:flex;flex-wrap:wrap;list-style:none;padding:0;margin:0 0 var(--spacing-xl) 0;font-size:var(--font-size-sm)}.breadcrumb li{color:var(--color-gray)}.breadcrumb li+li::before{content:'›';margin:0 var(--spacing-sm);color:var(--color-border)}.breadcrumb a{color:var(--color-gold);text-decoration:none}.breadcrumb a:hover{text-decoration:underline}.article-body{max-width:720px;margin:0 auto}.article-body h2{font-family:var(--font-display);font-size:var(--font-size-2xl);color:var(--color-navy);margin:var(--spacing-3xl) 0 var(--spacing-lg);scroll-margin-top:100px}.article-body h3{font-size:var(--font-size-lg);color:var(--color-navy);margin:var(--spacing-2xl) 0 var(--spacing-md);font-weight:var(--font-weight-semibold)}.article-body p{font-size:var(--font-size-base);line-height:1.8;color:var(--color-text);margin-bottom:var(--spacing-lg)}.article-body ul,.article-body ol{margin-bottom:var(--spacing-lg);padding-left:var(--spacing-2xl)}.article-body li{font-size:var(--font-size-base);line-height:1.8;color:var(--color-text);margin-bottom:var(--spacing-sm)}.article-body strong{color:var(--color-navy);font-weight:var(--font-weight-semibold)}.article-body a{color:var(--color-gold);text-decoration:underline;text-underline-offset:2px}.article-body a:hover{color:var(--color-navy)}.article-cta{background:var(--color-light-gray);border-left:4px solid var(--color-gold);border-radius:var(--radius-md);padding:var(--spacing-2xl);margin:var(--spacing-3xl) 0;text-align:center}.article-cta h3{font-family:var(--font-display);font-size:var(--font-size-xl);color:var(--color-navy);margin:0 0 var(--spacing-sm) 0}.article-cta p{color:var(--color-gray);margin-bottom:var(--spacing-lg);font-size:var(--font-size-base)}.article-cta .btn{margin-top:0}.article-meta{display:flex;gap:var(--spacing-xl);font-size:var(--font-size-sm);color:var(--color-gray);margin-bottom:var(--spacing-3xl);flex-wrap:wrap}.prequal-progress{margin-bottom:var(--spacing-3xl)}.prequal-progress-steps{display:flex;justify-content:space-between;margin-bottom:var(--spacing-lg);position:relative}.prequal-step{display:flex;flex-direction:column;align-items:center;gap:var(--spacing-xs);flex:1;position:relative;z-index:1}.prequal-step-number{width:40px;height:40px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:var(--font-weight-semibold);font-size:var(--font-size-sm);background-color:var(--color-light-gray);color:var(--color-gray);border:2px solid var(--color-border);transition:all var(--transition-fast)}.prequal-step.active .prequal-step-number{background-color:var(--color-gold);color:var(--color-white);border-color:var(--color-gold)}.prequal-step.completed .prequal-step-number{background-color:var(--color-success);color:var(--color-white);border-color:var(--color-success)}.prequal-step-label{font-size:var(--font-size-xs);font-weight:var(--font-weight-medium);color:var(--color-gray);text-transform:uppercase;letter-spacing:0.05em}.prequal-step.active .prequal-step-label{color:var(--color-navy)}.prequal-progress-track{width:100%;height:4px;background-color:var(--color-border);border-radius:2px;overflow:hidden}.prequal-progress-fill{height:100%;background-color:var(--color-gold);border-radius:2px;transition:width 0.4s ease}.prequal-fieldset{border:none;padding:0;margin:0;min-width:0}.prequal-fieldset.hidden{display:none}.prequal-fieldset legend{font-family:var(--font-display);font-size:var(--font-size-2xl);color:var(--color-navy);margin-bottom:var(--spacing-2xl);font-weight:700}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:var(--spacing-xl)}.form-helper{font-size:var(--font-size-xs);color:var(--color-gray);margin-top:var(--spacing-xs)}.prequal-nav{display:flex;justify-content:space-between;align-items:center;margin-top:var(--spacing-3xl);padding-top:var(--spacing-2xl);border-top:1px solid var(--color-border)}.trust-card{text-align:center;padding:var(--spacing-2xl)}.trust-card-icon{font-size:var(--font-size-3xl);margin-bottom:var(--spacing-md)}.trust-card h3{font-size:var(--font-size-lg);color:var(--color-navy);margin-bottom:var(--spacing-sm)}.trust-card p{font-size:var(--font-size-sm);color:var(--color-gray);line-height:1.6}@media (max-width:768px){.testimonial-stats{grid-template-columns:1fr;gap:var(--spacing-lg)}.review-links{grid-template-columns:1fr}.form-row{grid-template-columns:1fr}.prequal-step-label{display:none}.prequal-step-number{width:32px;height:32px;font-size:var(--font-size-xs)}.testimonial--featured{padding:var(--spacing-2xl)}.article-meta{flex-direction:column;gap:var(--spacing-sm)}}.newsletter-issue-badge{display:inline-block;font-size:var(--font-size-sm);color:var(--color-gold);font-weight:var(--font-weight-medium);margin-bottom:var(--spacing-md)}.newsletter-author-bar{display:flex;align-items:center;gap:var(--spacing-md);padding-bottom:var(--spacing-xl);margin-bottom:var(--spacing-xl);border-bottom:1px solid var(--color-border)}.newsletter-rate-box{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--spacing-md);background-color:var(--color-light-gray);border-radius:var(--radius-lg);padding:var(--spacing-xl);margin:var(--spacing-xl) 0;border-left:4px solid var(--color-gold)}.newsletter-rate-item{text-align:center}.newsletter-rate-label{display:block;font-size:var(--font-size-xs);color:var(--color-gray);text-transform:uppercase;letter-spacing:0.05em;margin-bottom:var(--spacing-xs)}.newsletter-rate-value{font-family:var(--font-display);font-size:var(--font-size-2xl);font-weight:700;color:var(--color-navy)}.cta-buttons{display:flex;gap:var(--spacing-md);justify-content:center;flex-wrap:wrap}.btn-outline-light{background-color:transparent;color:var(--color-white);border:2px solid rgba(255,255,255,0.5)}.btn-outline-light:hover{background-color:rgba(255,255,255,0.1);border-color:var(--color-white);color:var(--color-white)}.btn-light{background-color:var(--color-white);color:var(--color-navy)}.btn-light:hover{background-color:var(--color-light-gray);box-shadow:var(--shadow-lg);transform:translateY(-2px)}.bg-primary{background:linear-gradient(135deg,var(--color-gold) 0%,#B8932B 100%);color:var(--color-navy)}.bg-primary h2{color:var(--color-navy)}.bg-primary p{color:rgba(10,31,63,0.8)}@media (max-width:768px){.newsletter-rate-box{grid-template-columns:1fr;gap:var(--spacing-lg)}.newsletter-rate-item{display:flex;justify-content:space-between;align-items:center;text-align:left}.newsletter-rate-label{margin-bottom:0}.cta-buttons{flex-direction:column;align-items:center}}.sticky-mobile-bar{display:none}@media (max-width:768px){.sticky-mobile-bar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:9999;background:var(--color-navy);padding:0.75rem 1rem;gap:0.625rem;box-shadow:0 -4px 16px rgba(10,31,63,0.25);transform:translateY(100%);transition:transform 0.35s cubic-bezier(0.34,1.2,0.64,1);pointer-events:none}.sticky-mobile-bar.is-visible{transform:translateY(0);pointer-events:auto}.sticky-mobile-bar .smb-btn{flex:1;display:flex;align-items:center;justify-content:center;gap:0.4rem;padding:0.75rem 0.5rem;border-radius:8px;font-size:0.9rem;font-weight:600;text-decoration:none;line-height:1;cursor:pointer;border:none}.sticky-mobile-bar .smb-btn-call{background:rgba(255,255,255,0.12);color:#ffffff;border:1.5px solid rgba(255,255,255,0.3)}.sticky-mobile-bar .smb-btn-apply{background:var(--color-gold);color:var(--color-navy)}}
/* ==========================================================================
   Scroll Effects
   ========================================================================== */
header{transition:background-color 0.35s ease,box-shadow 0.35s ease,backdrop-filter 0.35s ease}
header.scrolled{background-color:rgba(10,31,63,0.95);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);box-shadow:var(--shadow-md)}
header.scrolled .nav-links a,header.scrolled .nav-brand{color:var(--color-white)}
header.scrolled .nav-dropdown a{color:var(--color-text)}
header.scrolled .nav-dropdown a:hover{color:var(--color-gold)}
header.scrolled .nav-logo-img{filter:brightness(0) invert(1)}
header.scrolled .mobile-menu-toggle span{background-color:var(--color-white)}
.reveal{opacity:0;transform:translateY(25px);transition:opacity 0.65s ease,transform 0.65s ease;transition-delay:var(--reveal-delay,0s);will-change:opacity,transform}
.reveal.is-visible{opacity:1;transform:translateY(0)}
.reveal-stagger>.reveal{transition-delay:var(--reveal-delay,0s)}
.divider-draw{width:0;max-width:100%;transition:width 0.6s ease-out}
.divider-draw.is-visible{width:100%}
@media (max-width:768px){.divider-draw{width:100%;transition:none}}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.divider-draw{width:100%;transition:none}}

.hero-next-steps{margin-top:0.9rem;padding-top:0.85rem;border-top:1px solid rgba(255,255,255,0.18);color:rgba(255,255,255,0.86);font-size:0.76rem;line-height:1.45}.hero-next-steps-title{font-size:0.78rem;font-weight:700;color:#fff;margin:0 0 0.35rem}.hero-next-steps ol{margin:0 0 0.45rem 1rem;padding:0}.hero-next-steps li{margin-bottom:0.25rem}.hero-next-steps-note,.hero-partner-note{margin:0.35rem 0 0}.hero-partner-note a{color:#F2C840;text-decoration:underline;text-underline-offset:2px}@media(max-width:500px){.hero-next-steps{font-size:0.74rem}}
@media (max-width:768px){body{padding-bottom:calc(4.75rem + env(safe-area-inset-bottom))}.sticky-mobile-bar{padding-bottom:calc(0.75rem + env(safe-area-inset-bottom))}.sticky-mobile-bar .smb-btn-apply{background:#F2C840;color:#0A1F3F}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.sticky-mobile-bar{transition:none}}
.nav-links a.nav-phone{display:inline-flex;align-items:center;gap:0.4rem;color:var(--color-navy);font-weight:var(--font-weight-semibold)}
.nav-links a.nav-phone:hover{color:var(--color-gold)}
.nav-links a.nav-phone::before{content:'';width:0.95em;height:0.95em;flex:0 0 auto;background-color:currentColor;-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.62 10.79c1.44 2.83 3.76 5.14 6.59 6.59l2.2-2.2c.27-.27.67-.36 1.02-.24 1.12.37 2.33.57 3.57.57.55 0 1 .45 1 1V20c0 .55-.45 1-1 1-9.39 0-17-7.61-17-17 0-.55.45-1 1-1h3.5c.55 0 1 .45 1 1 0 1.25.2 2.45.57 3.57.11.35.03.74-.25 1.02l-2.2 2.2z' fill='%23000'/%3E%3C/svg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.62 10.79c1.44 2.83 3.76 5.14 6.59 6.59l2.2-2.2c.27-.27.67-.36 1.02-.24 1.12.37 2.33.57 3.57.57.55 0 1 .45 1 1V20c0 .55-.45 1-1 1-9.39 0-17-7.61-17-17 0-.55.45-1 1-1h3.5c.55 0 1 .45 1 1 0 1.25.2 2.45.57 3.57.11.35.03.74-.25 1.02l-2.2 2.2z' fill='%23000'/%3E%3C/svg%3E") center/contain no-repeat}
header.scrolled .nav-links a.nav-phone{color:var(--color-white)}
header.scrolled .nav-links a.nav-phone:hover{color:var(--color-gold)}
@media (max-width:768px){.nav-phone-li{display:none}}

/* Hero two-column form layout (pitch left, compact lead form right) */
.hero-glass-card-2col{max-width:980px}
.hero-glass-card-2col .hero-glass-row{display:flex;gap:var(--spacing-xl);align-items:center}
.hero-glass-card-2col .hero-col-authority{flex:1 1 50%}
.hero-glass-card-2col .hero-col-authority .hero-authority-inner{max-width:100%;margin-bottom:1rem}
.hero-glass-card-2col .hero-col-form{flex:1 1 50%}
.hero-glass-card-2col .hero-col-form .hero-quick-form-glass{margin-bottom:0}
@media (max-width:768px){.hero-glass-card-2col{max-width:100%}.hero-glass-card-2col .hero-glass-row{flex-direction:column;gap:var(--spacing-lg)}}

/* FIX 2026-06-09: bare `header` selector made inner article/calculator <header> elements sticky too,
   so blog post titles pinned over the site nav on scroll. Inner headers must flow normally. */
main header,article header{position:static;z-index:auto}

/* Homepage hero simplification: keep the first screen focused and prevent proof text clipping. */
.hero>.container{padding-top:var(--spacing-lg);padding-bottom:var(--spacing-lg)}
.hero-glass-card.hero-glass-card-2col{max-width:590px}
.hero-glass-card-2col .hero-glass-row{display:block}
.hero h1{font-size:clamp(2.35rem,3.4vw,3.25rem);line-height:1.06;letter-spacing:-.02em;margin-bottom:1rem}
.hero-subtitle{font-size:clamp(.98rem,1.1vw,1.08rem);line-height:1.55;max-width:560px}
.hero-rating-chip{font-size:.78rem;padding:.32rem .72rem;margin-bottom:.85rem;max-width:100%}
@media (min-width:769px){.hero-ctas{flex-direction:row;align-items:center}.hero-ctas .btn.hero-cta-btn{width:auto;min-width:190px;height:auto;min-height:50px;padding:.8rem 1.25rem}}