:root {
  --ink: #111e2b;
  --ink-2: #1a2b3a;
  --paper: #f8f6f0;
  --paper-2: #eee9df;
  --white: #fffdf9;
  --gold: #e0bf82;
  --gold-2: #805c2f;
  --muted: #52606c;
  --line: #ddd8cd;
  --dark-line: #ffffff26;
  --serif: 'Instrument Serif', 'Instrument Serif Fallback', Georgia, serif;
  --sans: Inter, system-ui, sans-serif;
  --gutter: clamp(20px, 5.5vw, 84px);
  --section: clamp(60px, 8vw, 116px);
  --ease: cubic-bezier(.2, .7, .2, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 94px; }
body { margin: 0; color: var(--ink); background: var(--paper); font: 400 16px/1.65 var(--sans); -webkit-font-smoothing: antialiased; }
h1, h2, h3, h4, p, figure, ul, ol { margin: 0; }
h1, h2, .program-card h3, .qc-title, .lc-title { font-family: var(--serif); font-weight: 400; line-height: 1; }
h1, h2 { text-wrap: balance; }
h1 em, h2 em { color: var(--gold-2); font-weight: inherit; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button, summary { cursor: pointer; }
img { display: block; max-width: 100%; }
[hidden] { display: none !important; }
:focus-visible { outline: 2px solid #ac743a; outline-offset: 4px; }
::selection { color: var(--ink); background: var(--gold); }

.wrap { width: min(100% - var(--gutter) * 2, 1280px); margin-inline: auto; }
.site-page main > section { padding-block: var(--section); }
.visually-hidden, .skip-link:not(:focus) {
  position: absolute;
  width: 1px;
  height: 1px;
  margin: -1px;
  padding: 0;
  overflow: hidden;
  clip-path: inset(50%);
  white-space: nowrap;
}
.skip-link:focus { position: fixed; z-index: 12; top: 8px; left: 8px; padding: 10px 16px; background: var(--white); color: var(--ink); }

.nav { position: sticky; z-index: 10; top: 0; background: var(--paper); border-bottom: 1px solid var(--line); }
.nav-inner, .utility-header .wrap { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.logo { display: inline-flex; align-items: center; min-width: 0; }
.logo img { width: 236px; height: auto; mix-blend-mode: multiply; }
.nav-links, .nav-cta { display: flex; align-items: center; gap: clamp(14px, 2vw, 28px); }
.nav-links a, .nav .phone { font-size: 13px; font-weight: 600; white-space: nowrap; }
.nav-links a { position: relative; }
.nav-links a::after { content: ''; position: absolute; left: 0; bottom: -5px; width: 100%; height: 1px; background: var(--gold-2); transform: scaleX(0); transform-origin: left; transition: transform .25s var(--ease); }
.nav-links a:hover::after, .nav-links a[aria-current]::after { transform: scaleX(1); }
.nav-links .mobile-phone, .menu-toggle { display: none; }
.menu-toggle { place-content: center; gap: 5px; padding: 9px; min-width: 44px; min-height: 44px; color: var(--ink); background: transparent; border: 1px solid var(--line); border-radius: 4px; }
.menu-toggle span:not(.visually-hidden) { display: block; width: 18px; height: 1px; background: currentColor; transition: transform .2s; }
.menu-toggle[aria-expanded="true"] span:first-child { transform: translateY(3px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { transform: translateY(-3px) rotate(-45deg); }

.btn, .submit-btn, .lc-form button, .schedule-page button, .confirmation-page .cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  min-height: 44px;
  border: 1px solid transparent;
  border-radius: 4px;
  padding: 10px 15px;
  font: 650 13px/1.35 var(--sans);
  text-align: center;
  transition: color .22s, background-color .22s, border-color .22s;
}
.btn-lg { min-height: 50px; padding: 12px 20px; font-size: 14px; }
.btn-primary, .lc-form button { background: var(--ink); color: var(--white); }
.btn-primary:hover, .lc-form button:hover { background: #31475b; }
.btn-gold, .submit-btn, .schedule-page button, .confirmation-page .cta { background: var(--gold); color: var(--ink); }
.btn-gold:hover, .submit-btn:hover, .schedule-page button:hover, .confirmation-page .cta:hover { background: #f1d7a7; }
.btn-ghost { border-color: var(--line); color: var(--ink); }
.btn-ghost:hover { background: #111e2b0a; }
.arrow {
  position: relative;
  display: inline-block;
  flex: none;
  width: 12px;
  height: 12px;
  font-size: 0;
  vertical-align: middle;
  transition: transform .25s var(--ease);
}
.arrow::before {
  content: '';
  position: absolute;
  top: 2px;
  right: 2px;
  width: 6px;
  height: 6px;
  border-top: 1px solid currentColor;
  border-right: 1px solid currentColor;
}
.arrow::after {
  content: '';
  position: absolute;
  top: 5px;
  left: 1px;
  width: 10px;
  height: 1px;
  background: currentColor;
  transform: rotate(-45deg);
}
.arrow-down { rotate: 90deg; }
a:hover .arrow { transform: translate(2px, -2px); }
.text-link { display: inline-flex; align-items: center; gap: 8px; padding-block: 3px; border-bottom: 1px solid currentColor; font-size: 13px; font-weight: 650; }
.text-link:hover { color: var(--gold-2); }

.photo-hero, .final-cta { color: var(--white); background: var(--ink); }
.photo-hero { position: relative; isolation: isolate; }
.home-hero { overflow: hidden; }
.photo-hero-visual {
  position: absolute;
  pointer-events: none;
  inset: 0 auto 0 0;
  width: min(74%, calc(50% + 300px));
}
.photo-hero-visual img { width: 100%; height: 100%; object-fit: cover; object-position: 60% 53%; }
.photo-hero-visual::after {
  content: '';
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, #111e2b30 0%, #111e2b18 42%, #111e2baf 73%, var(--ink) 100%),
    linear-gradient(180deg, #111e2bda 0%, #111e2bc7 49%, #111e2b52 81%, #111e2ba1 100%);
}
.photo-hero > .wrap, .confirmation-page > .card { position: relative; z-index: 1; }
.home-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.11fr);
  grid-template-rows: 1fr auto auto 1fr;
  grid-template-areas: ". quote" "intro quote" "support quote" ". quote";
  gap: 0 clamp(30px, 4.2vw, 64px);
  align-items: start;
  padding-block: clamp(24px, 3.5vw, 52px);
}
.home-hero-grid .quote-card { grid-area: quote; }
.home-hero-aside { grid-area: support; min-width: 0; }
.home-hero-aside .hero-ctas { margin-top: 20px; }
.home-hero-copy { grid-area: intro; container-type: inline-size; padding-top: 5px; }
.eyebrow, .sec-eyebrow, .lc-tag { display: block; color: var(--gold-2); font-size: 11px; font-weight: 750; letter-spacing: .13em; line-height: 1.45; text-transform: uppercase; }
.eyebrow { margin-bottom: 19px; }
.eyebrow::before { display: inline-block; width: 23px; height: 1px; margin: 0 10px 3px 0; background: currentColor; content: ''; }
.sec-eyebrow { margin-bottom: 11px; }
.photo-hero .eyebrow, .photo-hero h1 em, .final-cta h2 em { color: var(--gold); }
.home-hero .eyebrow { margin-bottom: 14px; }
.home-hero h1 { font-size: clamp(32px, 13.7cqi, 82px); line-height: .98; letter-spacing: -.035em; text-wrap: balance; }
.hero-sub { max-width: 49ch; margin-top: 23px; color: var(--muted); font-size: clamp(15px, 1.3vw, 17px); line-height: 1.65; }
.photo-hero .hero-sub, .final-cta p { color: #ced6dc; }
.home-hero .hero-sub { margin-top: 14px; }
.hero-ctas, .ctas { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 27px; }
.photo-hero .btn-ghost, .final-cta .btn-ghost { border-color: #ffffff50; color: var(--white); }
.photo-hero .btn-ghost:hover, .final-cta .btn-ghost:hover { background: #ffffff13; }
.program-media, .explain-photo { position: relative; overflow: hidden; border-radius: 4px; background: #c6b8a3; }
.program-media img, .explain-photo img { width: 100%; height: 100%; object-fit: cover; }
@keyframes hero-enter { from { opacity: .15; transform: translateY(14px); } to { opacity: 1; transform: none; } }
@keyframes image-enter { from { opacity: .65; transform: scale(1.045); } to { opacity: 1; transform: scale(1); } }

.home-proof, .rate-strip { border-bottom: 1px solid var(--line); background: var(--paper-2); }
.proof-grid, .rate-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); }
.proof-grid > div, .rate-cell { min-width: 0; display: flex; align-items: baseline; justify-content: center; flex-wrap: wrap; gap: 4px 12px; padding: 20px 14px; }
.proof-grid > div + div, .rate-cell + .rate-cell { border-left: 1px solid var(--line); }
.proof-grid strong, .rate-cell .v { font: 400 clamp(23px, 2.6vw, 35px)/1.05 var(--serif); }
.proof-grid span, .rate-cell .note { color: var(--muted); font-size: 12px; font-weight: 550; }
.rate-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.rate-cell { flex-direction: column; }
.rate-cell .l { font-size: 12px; font-weight: 700; }
.rate-cell .v em { color: var(--gold-2); }
.rate-cell .note { font-weight: 400; }

.section-intro, .sec-head { margin-bottom: clamp(25px, 4vw, 48px); }
.section-intro { display: grid; grid-template-columns: minmax(0, 1.45fr) minmax(0, .55fr); gap: 24px; align-items: end; }
.section-intro > p, .sec-sub { color: var(--muted); max-width: 64ch; }
.sec-sub { margin-top: 12px; }
.sec-title, .final-cta h2, .process-band h2, .explain h2, .eligible-band h2 {
  font: 400 clamp(42px, 5.25vw, 74px)/.98 var(--serif);
  letter-spacing: -.025em;
}
.sec-title { text-wrap: initial; }
.program-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.program-card { display: grid; min-width: 0; border: 1px solid var(--line); border-radius: 5px; background: var(--white); transition: border-color .25s, box-shadow .35s var(--ease); }
.program-card:hover, .program-card:focus-within { border-color: #9d7447; box-shadow: 0 15px 34px -26px #111e2b70; }
.program-card > a { display: flex; flex-direction: column; border-radius: inherit; }
.program-media { aspect-ratio: 2.05; border-radius: 4px 4px 0 0; }
.program-media img { transition: transform .6s var(--ease); }
.program-card:hover img { transform: scale(1.045); }
.program-copy { flex: 1; display: flex; flex-direction: column; align-items: flex-start; padding: clamp(17px, 2vw, 28px); }
.program-copy h3 { font-size: clamp(32px, 3.1vw, 45px); letter-spacing: -.02em; }
.program-copy > p:not(.sec-eyebrow) { flex: 1; margin-top: 9px; color: var(--muted); font-size: 14px; }
.program-link { display: flex; align-items: center; justify-content: space-between; width: 100%; gap: 10px; padding-top: 14px; margin-top: 21px; border-top: 1px solid var(--line); font-size: 13px; font-weight: 700; }
.program-link .arrow { color: var(--gold-2); }
.other-programs { background: var(--paper-2); }
.program-list { width: 100%; padding: 0; margin: 15px 0 21px; list-style: none; }
.program-list li { padding-block: 9px; border-bottom: 1px solid #d8cfc0; color: #344451; font-size: 14px; }
.other-programs .text-link { margin-top: auto; }

.loan-hero-grid, .explain, .eligible-band, .process-band, .about-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(32px, 6.6vw, 100px);
  align-items: center;
}
.about-layout p:not(.sec-eyebrow) { margin-top: 16px; max-width: 52ch; }
.check-list, .lc-checks { list-style: none; padding: 0; }
.check-list li, .lc-checks li { position: relative; padding: 9px 0 9px 23px; }
.check-list li::before, .lc-checks li::before { content: '✓'; position: absolute; left: 0; color: var(--gold-2); font-weight: 700; }
.home-process, .uses-section, .broker-section, .how-section { background: var(--white); }
.journey { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; padding: 0; list-style: none; }
.journey li, .how-step { border-top: 1px solid #9e805c; padding: 19px 12px 0 0; }
.journey li > span, .how-step .n, .steps .n { color: var(--gold-2); font: 400 33px/1 var(--serif); }
.journey h3, .how-step h4, .steps h4 { margin-top: 9px; font-size: 17px; font-weight: 650; }
.journey p, .how-step p, .steps p { margin-top: 5px; color: var(--muted); font-size: 14px; }
.about-section { background: var(--paper-2); }
.about-layout .text-link { margin-top: 18px; }
.about-panel { min-height: 220px; display: grid; justify-items: start; align-content: center; gap: 4px; padding: 24px 0 24px clamp(24px, 5vw, 68px); border-left: 1px solid #bba88c; font-size: 14px; }
.about-year { color: var(--gold-2); font: 400 clamp(70px, 10vw, 128px)/.86 var(--serif); }
.about-panel a { margin-top: 9px; text-decoration: underline; text-underline-offset: 3px; font-size: 13px; }

.loan-hero, .schedule-main { padding-block: clamp(34px, 5vw, 76px); }
.loan-hero-grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1.06fr); align-items: center; }
.loan-copy { min-width: 0; container-type: inline-size; }
.loan-copy h1 { font-size: clamp(34px, 14.3cqi, 86px); line-height: .98; letter-spacing: -.027em; text-wrap: balance; }
.loan-copy h1 em { display: block; }
.loan-hero .quote-card, .loan-hero .lead-card, .schedule-main .card { align-self: start; }

.quote-card, .lead-card, .schedule-page .card { min-width: 0; border: 1px solid var(--dark-line); border-radius: 6px; padding: clamp(22px, 3vw, 39px); background: var(--ink-2); color: var(--white); }
.schedule-page .card { background: var(--ink-2); }
.qc-title, .lc-title, .schedule-page .card h2 { font-size: clamp(35px, 3.4vw, 49px); letter-spacing: -.015em; }
.qc-sub, .lc-sub, .schedule-page .card > p { margin: 9px 0 18px; color: #c9d2dc; font-size: 14px; line-height: 1.5; }
.field { min-width: 0; margin-bottom: 12px; }
.field label { display: block; margin-bottom: 5px; font-size: 12px; font-weight: 650; line-height: 1.35; }
.field input, .field select, .field textarea {
  display: block;
  width: 100%;
  min-width: 0;
  min-height: 44px;
  border: 1px solid #ffffff3d;
  border-radius: 4px;
  padding: 8px 11px;
  color: inherit;
  background-color: #ffffff0d;
  font-size: 16px;
  line-height: 1.35;
}
.field input::placeholder, .field textarea::placeholder { color: #c0cad2; opacity: 1; }
.field select { appearance: none; padding-right: 27px; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='m3.5 6 4.5 4.5L12.5 6' fill='none' stroke='%23e0bf82' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 8px center; background-size: 14px; }
.field select option { background: var(--white); color: var(--ink); }
.field select:required:invalid { color: #c0cad2; }
.field textarea { min-height: 90px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 1px solid var(--gold); outline-offset: 0; }
.row-2, .schedule-page .row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 12px; }
.quote-result { border: 1px solid #e0bf8252; border-radius: 4px; padding: 12px 14px; background: #e0bf8210; }
.qr-row { display: flex; justify-content: space-between; gap: 8px; align-items: baseline; color: #e3e8ed; font-size: 13px; }
.qr-row + .qr-row { margin-top: 3px; }
.qr-row.big b { color: var(--gold); font: 400 26px/1 var(--serif); }
.qr-badge { display: inline-block; margin-top: 6px; border-radius: 3px; padding: 2px 6px; background: #e0bf8226; color: #f1d7a7; font-size: 11px; }
.qr-badge.fail { color: #ffd4cf; background: #7f3f3c; }
.calc-assumption, .quote-disclosure { color: #c9d2dc; font-size: 11px; line-height: 1.5; }
.calc-assumption { margin-top: 8px; }
.submit-btn, .lc-form button, .schedule-page button { width: 100%; min-height: 47px; }
button:disabled { cursor: wait; opacity: .72; }
.advisor-note, .by { display: flex; align-items: center; gap: 10px; }
.advisor-note { margin-top: 13px; }
.advisor-avatar, .avatar { flex: 0 0 35px; height: 35px; display: grid; place-items: center; border-radius: 50%; background: var(--paper-2); color: var(--ink); font: 400 16px/1 var(--serif); }
.advisor-copy, .sec-strip, .lc-fine, .schedule-page .fine { color: #c9d2dc; font-size: 11px; line-height: 1.5; }
.advisor-copy strong { display: block; color: var(--white); }
.advisor-copy a, .sec-strip a, .fine a, .schedule-advisor a { text-decoration: underline; text-underline-offset: 2px; }
.sec-strip { margin-top: 10px; }
.lead-card { background: var(--white); color: var(--ink); border-color: var(--line); }
.lead-card .lc-tag { margin-bottom: 12px; }
.lead-card .lc-sub, .lead-card .sec-strip, .lead-card .lc-fine { color: var(--muted); }
.lc-checks { margin-bottom: 16px; }
.lc-checks li { padding-block: 4px; font-size: 13px; }
.lead-card .field input { border-color: #cfc8bc; background: var(--white); }
.lead-card .field input:focus { outline-color: #9c6d37; }
.lc-form button { margin-top: 2px; }

.scenarios, .uses, .testimonials { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.scen, .use, .tcard, .vs-card, .lo-card { min-width: 0; border: 1px solid var(--line); border-radius: 5px; padding: clamp(18px, 2.6vw, 32px); background: var(--white); }
.scen, .use, .tcard { display: flex; flex-direction: column; }
.scen .ico, .use .ico { color: var(--gold-2); font: 400 33px/1 var(--serif); margin-bottom: 10px; }
.scen h3, .use h3 { font-weight: 650; font-size: 17px; }
.scen p, .use p, .tcard p, .lo-bio { margin-top: 6px; color: var(--muted); font-size: 14px; }
.scen .who { font-weight: 650; }
.scen .meta { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 6px 12px; margin-top: auto; padding-top: 16px; color: var(--gold-2); font-size: 12px; }
.stars { color: var(--gold-2); font-size: 15px; letter-spacing: .12em; }
.tcard p { margin-block: 8px 19px; }
.by { margin-top: auto; }
.by b, .by span { display: block; font-size: 12px; }
.by span { color: var(--muted); }
.process-section, .team-section, .eligibility-section, .myths-section { background: var(--paper-2); }
.process-band h2, .explain h2, .eligible-band h2 { font-size: clamp(41px, 4.6vw, 66px); text-wrap: initial; margin-bottom: 14px; }
.steps { border-top: 1px solid var(--line); }
.steps .step { display: grid; grid-template-columns: 39px 1fr; gap: 12px; padding: 12px 0; border-bottom: 1px solid var(--line); }
.steps h4 { margin: 0; }
.vs-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.vs-card.dark { background: var(--ink); color: var(--white); border-color: var(--ink); }
.vs-tag, .side-tag, .lo-title { display: block; margin-bottom: 8px; color: var(--gold-2); font-size: 11px; font-weight: 750; letter-spacing: .11em; text-transform: uppercase; }
.dark .vs-tag { color: var(--gold); }
.vs-card h3 { font: 400 clamp(29px, 3.1vw, 42px)/1 var(--serif); }
.vs-card .who { margin: 9px 0 18px; font-size: 14px; }
.vs-list { list-style: none; padding: 0; }
.vs-list li { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 3px 12px; border-top: 1px solid var(--line); padding: 9px 0; font-size: 13px; }
.dark .vs-list li { border-color: var(--dark-line); }
.explain p { margin-top: 10px; color: var(--muted); }
.explain-photo { aspect-ratio: 1.2; }
.check-list { border-top: 1px solid var(--line); }
.check-list li { border-bottom: 1px solid var(--line); }
.how-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; }
.myths { border-top: 1px solid var(--line); }
.myth-row { display: grid; grid-template-columns: minmax(0, .65fr) minmax(0, 1.35fr); gap: clamp(15px, 4vw, 48px); border-bottom: 1px solid var(--line); padding-block: 16px; font-size: 14px; }
.myth-side { font-weight: 650; }
.fact-side { color: var(--muted); }
.faq-section { background: var(--white); }
.faq-section > .wrap { display: grid; grid-template-columns: minmax(0, .65fr) minmax(0, 1.35fr); gap: 20px 45px; align-items: start; }
.faq-section .sec-head { margin-bottom: 0; }
.faq { border-top: 1px solid var(--line); }
.qa { border-bottom: 1px solid var(--line); }
.qa-q { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding-block: 15px; font-size: 15px; font-weight: 650; line-height: 1.4; list-style: none; }
.qa-q::-webkit-details-marker { display: none; }
.qa-q::after { content: ''; flex: 0 0 10px; height: 10px; margin: 0 4px 3px 0; border-right: 1px solid var(--gold-2); border-bottom: 1px solid var(--gold-2); transform: rotate(45deg); transition: transform .22s; }
.qa[open] .qa-q::after { transform: translateY(4px) rotate(225deg); }
.qa-q:hover { color: var(--gold-2); }
.qa-a { color: var(--muted); font-size: 14px; padding-bottom: 18px; }
.qa[open] .qa-a { animation: hero-enter .25s var(--ease) both; }

.team-section > .wrap { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, .8fr); gap: 22px 70px; align-items: center; }
.team-section .sec-head { margin-bottom: 0; }
.team-grid { min-width: 0; }
.lo-photo { display: grid; place-items: center; width: 46px; height: 46px; border-radius: 50%; background: var(--paper-2); color: var(--gold-2); font: 400 24px/1 var(--serif); margin-bottom: 9px; }
.lo-name { font-weight: 700; }
.lo-title { margin-block: 4px; }
.lo-meta { display: flex; flex-wrap: wrap; gap: 6px 15px; margin-block: 11px; font-size: 12px; }
.lo-contact { display: flex; gap: 16px; font-size: 13px; font-weight: 650; }
.lo-contact a { text-decoration: underline; text-underline-offset: 3px; }
.final-cta { padding: clamp(24px, 5vw, 64px); border-radius: 5px; }
.final-cta h2 { font-size: clamp(44px, 5.5vw, 73px); text-wrap: initial; }
.final-cta p { margin-top: 11px; max-width: 62ch; }
.home-page .final-cta { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 25px; align-items: center; }
.home-page .final-cta .ctas { margin-top: 0; }

.site-page footer { padding-top: 43px; background: var(--ink); color: #c9d2dc; }
.foot { display: grid; grid-template-columns: 1.35fr 1fr 1fr .75fr; gap: 28px; padding-bottom: 30px; }
.foot .logo { max-width: 100%; padding: 7px 10px; border-radius: 4px; background: #fff; }
.foot .logo img { width: 214px; }
.foot-about > p { max-width: 40ch; margin-top: 14px; font-size: 13px; }
.foot-title { margin: 4px 0 10px; color: var(--white); font-size: 13px; font-weight: 700; }
.foot ul { list-style: none; padding: 0; }
.foot li { margin-top: 4px; font-size: 13px; }
.foot a:hover, .legal a:hover, .compliance a:hover { color: var(--gold); }
.badges, .reg-logos { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 12px; }
.badge, .reg-badge { border: 1px solid var(--dark-line); border-radius: 3px; padding: 3px 6px; font-size: 10px; }
.reg-badge .icon { margin-right: 4px; color: var(--gold); }
.legal { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 7px 20px; padding-block: 14px; border-top: 1px solid var(--dark-line); font-size: 11px; }
.compliance { border-top: 1px solid var(--dark-line); padding: 14px 0 20px; color: #c9d2dc; font-size: 11px; }
.compliance p + p { margin-top: 7px; }
.compliance a { color: var(--gold) !important; text-decoration: underline; }

.utility-header { border-bottom: 1px solid var(--line); background: var(--white); }
.utility-header .text-link { white-space: nowrap; }
.schedule-advisor { margin-top: 16px; color: #ced6dc; font-size: 13px; }
.schedule-page .fine { margin: 10px 0 0 !important; }
.confirmation-page { min-height: 100svh; display: grid; place-items: center; padding: 20px; }
.confirmation-page .card { width: min(100%, 620px); background: var(--white); color: var(--ink); text-align: center; border-radius: 6px; padding: clamp(24px, 6vw, 65px); animation: hero-enter .7s var(--ease) both; }
.confirmation-page .logo { margin-bottom: 23px; }
.confirmation-page .check { display: grid; place-items: center; width: 43px; height: 43px; margin: 0 auto 13px; border: 1px solid var(--line); border-radius: 50%; color: var(--gold-2); }
.confirmation-page h1, .privacy-page h1 { font-size: clamp(45px, 6vw, 69px); margin-bottom: 13px; }
.confirmation-page p, .confirmation-page .alt, .privacy-page .updated { color: var(--muted); }
.confirmation-page .cta { margin-block: 19px 10px; }
.confirmation-page .alt { display: block; font-size: 13px; }
.confirmation-page .alt a { text-decoration: underline; text-underline-offset: 2px; }
.privacy-page main .wrap { max-width: 770px; }
.privacy-hero { padding-block: clamp(34px, 6vw, 76px); }
.privacy-content { padding-block: 12px var(--section); }
.privacy-page .privacy-hero .updated { color: #ced6dc; }
.privacy-hero .photo-hero-visual, .confirmation-page .photo-hero-visual { inset: 0; width: 100%; height: 100%; }
.privacy-hero .photo-hero-visual img { object-position: 60% 45%; }
.privacy-hero .photo-hero-visual::after { background: linear-gradient(90deg, #111e2bed, #111e2bba 50%, #111e2b5e); }
.confirmation-page .photo-hero-visual::after { background: linear-gradient(120deg, #111e2bab, #111e2b66 52%, #111e2bc4); }
.privacy-page h1 { text-wrap: initial; }
.privacy-page h2 { margin-block: 25px 8px; font-size: 31px; }
.privacy-page .summary, .privacy-page .contact { padding: 14px 18px; border-left: 2px solid var(--gold-2); margin-top: 22px; background: var(--paper-2); }
.privacy-page footer { padding-block: 16px; border-top: 1px solid var(--line); font-size: 12px; color: var(--muted); }

@media (max-width: 1170px) {
  .nav .phone { display: none; }
}
@media (max-width: 960px) {
  .nav-inner { min-height: 68px; gap: 13px; }
  .nav-cta { margin-left: auto; }
  .menu-toggle:not([hidden]) { display: grid; order: 3; }
  .nav-links { order: 4; width: 100%; flex-wrap: wrap; padding-bottom: 14px; }
  .nav-inner { flex-wrap: wrap; }
  .nav-links[data-mobile-menu] { display: none; position: absolute; top: 100%; inset-inline: 0; padding: 7px var(--gutter) 17px; background: var(--paper); border-bottom: 1px solid var(--line); box-shadow: 0 13px 24px -20px #111e2b7a; }
  .nav-links[data-mobile-menu].is-open { display: grid; gap: 0; }
  .nav-links a { width: fit-content; padding-block: 9px; }
  .nav-links a::after { bottom: 8px; }
  .nav-links .mobile-phone { display: inline-block; color: var(--gold-2); }
  .home-hero .btn-lg { min-height: 45px; padding-inline: 12px; font-size: 12px; }
  .program-grid { gap: 12px; }
  .home-page .final-cta { grid-template-columns: 1fr; }
  .foot { grid-template-columns: 1.2fr 1fr 1fr; }
}
@media (max-width: 760px) {
  html { scroll-padding-top: 82px; }
  .home-hero-grid, .loan-hero-grid, .explain, .eligible-band, .process-band, .about-layout, .team-section > .wrap, .faq-section > .wrap, .section-intro { grid-template-columns: 1fr; }
  .home-hero-grid {
    grid-template-rows: auto;
    grid-template-areas: "intro" "quote" "support";
    gap: 18px;
    padding-block: 23px 20px;
  }
  .home-hero-copy, .loan-copy { padding-block: 0; }
  .home-hero h1 { max-width: 16ch; font-size: clamp(34px, 12.4cqi, 70px); }
  .photo-hero-visual { inset: 0 0 auto; width: 100%; height: 350px; max-height: 100%; }
  .photo-hero-visual::after {
    background: linear-gradient(180deg, #111e2bc9, #111e2bc9 55%, var(--ink));
  }
  .home-hero-aside .hero-ctas { margin-top: 0; }
  .hero-sub { margin-top: 14px; }
  .hero-ctas, .ctas { margin-top: 18px; }
  .home-hero .btn-lg, .loan-copy .btn-lg { min-height: 45px; padding-inline: 13px; font-size: 13px; }
  .proof-grid > div { align-content: center; text-align: center; padding: 12px 5px; }
  .proof-grid strong { font-size: clamp(20px, 5vw, 29px); }
  .proof-grid span { width: 100%; font-size: 10px; line-height: 1.35; }
  .section-intro { gap: 8px; }
  .program-grid, .scenarios, .uses, .testimonials { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .other-programs { grid-column: 1 / -1; }
  .program-list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 16px; }
  .journey, .how-grid { gap: 16px; }
  .about-panel { min-height: 0; padding-block: 5px; }
  .loan-copy h1 { font-size: clamp(40px, 12.4cqi, 70px); }
  .rate-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .rate-cell { padding: 14px 10px; }
  .rate-cell:nth-child(3) { border-left: 0; }
  .rate-cell:nth-child(n+3) { border-top: 1px solid var(--line); }
  .how-grid, .foot { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .explain-photo { aspect-ratio: 1.8; }
}
@media (max-width: 440px) {
  .logo img { width: clamp(136px, 44vw, 190px); }
  .nav .logo { flex: 1; }
  .nav-cta, .menu-toggle { flex-shrink: 0; }
  .foot-about { grid-column: 1 / -1; }
  .nav-inner { min-height: 61px; gap: 8px; }
  .nav-cta .btn { padding-inline: 8px; font-size: 11px; min-height: 38px; gap: 4px; }
  .menu-toggle { min-width: 40px; min-height: 40px; }
  .eyebrow { font-size: 10px; margin-bottom: 13px; }
  .eyebrow::before { width: 14px; margin-right: 6px; }
  .program-grid, .journey, .scenarios, .uses, .testimonials, .vs-grid, .myth-row { grid-template-columns: 1fr; }
  .program-copy { padding: 16px; }
  .program-media { aspect-ratio: 2.4; }
  .myth-row { gap: 6px; }
  .rate-cell .note { font-size: 11px; }
  .quote-card, .lead-card, .schedule-page .card { padding: 16px; }
  .utility-header .text-link { font-size: 12px; }
}
@media (max-width: 350px) {
  .nav-cta .btn .arrow { display: none; }
  .row-2, .schedule-page .row { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: no-preference) {
  [data-reveal].will-reveal { opacity: .05; transform: translateY(12px); transition: opacity .56s var(--ease), transform .56s var(--ease); }
  [data-reveal].will-reveal:is(.is-visible, :focus-within) { opacity: 1; transform: none; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

.payment-fields {
  min-width: 0;
  margin: 3px 0 12px;
  padding: 10px 0 0;
  border: 0;
  border-top: 1px solid var(--dark-line);
}
.payment-fields legend { padding: 0 8px 0 0; color: var(--gold); font-size: 12px; font-weight: 650; }
.field-optional { color: #c9d2dc; font-weight: 400; }
.field-hint, .payment-coverage { color: #c9d2dc; font-size: 11px; line-height: 1.5; }
.field-hint { margin-top: 4px; }
.payment-coverage { margin: 4px 0 9px; }
.quote-result .qr-row.big { border-top: 1px solid var(--dark-line); padding-top: 7px; }

.quote-progress {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 8px;
  list-style: none;
  padding: 0;
  margin: 0 0 17px;
}
.quote-progress li {
  border-top: 2px solid var(--dark-line);
  padding-top: 6px;
  color: #c9d2dc;
  font-size: 11px;
  font-weight: 650;
}
.quote-progress li[aria-current="step"] { border-color: var(--gold); color: var(--gold); }
.quote-progress li.is-complete { border-color: #b49b6e; }
.quote-step-title {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  flex-wrap: wrap;
  gap: 3px 12px;
  margin: 0 0 10px;
  font: 650 15px/1.4 var(--sans);
}
.quote-step-count { color: var(--gold); font: 650 11px/1.5 var(--sans); white-space: nowrap; }
@media (prefers-reduced-motion: no-preference) {
  .quote-step.is-entering { animation: quote-step-fade 180ms ease-out both; }
}
@keyframes quote-step-fade { from { opacity: .68; } to { opacity: 1; } }
.quote-step-title:focus { outline: none; }
.quote-actions { display: flex; align-items: stretch; gap: 9px; margin-top: 6px; }
.quote-actions .submit-btn { flex: 1; width: auto; }
.quote-actions-with-note { align-items: center; flex-wrap: wrap; }
.quote-actions-with-note .submit-btn { flex: 1 0 165px; }
.quote-credit-note { color: #c9d2dc; font-size: 11px; line-height: 1.4; }
@media (max-width: 350px) {
  .quote-actions-with-note .submit-btn { flex-basis: 100%; }
}
.quote-back {
  border: 1px solid #ffffff40;
  border-radius: 4px;
  padding: 0 15px;
  color: var(--white);
  background: transparent;
  font: 650 13px/1.35 var(--sans);
}
.quote-back:hover { background: #ffffff13; }
.quote-disclosure { margin-top: 12px; }