*{box-sizing:border-box;margin:0;padding:0;}
html,body{font-family:'Geist',Arial,sans-serif;color:#1B1F27;background:#fff;}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}
h1,h2,h3,h4{font-weight:800;color:#141414;margin:0 0 16px;}
p{line-height:1.7;color:#5B6472;margin:0 0 16px;}
.wrap{max-width:1180px;margin:0 auto;padding:0 6vw;}
.header-top{height:4px;background:#E8B923;}
.header{position:sticky;top:0;z-index:900;background:#fff;border-bottom:1px solid rgba(0,0,0,0.08);}
.header-row{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px;padding:10px 16px;}
.brand{display:flex;align-items:center;gap:10px;}
.brand img{height:64px;width:auto;}
.brand-name{display:none;font-size:15px;font-weight:700;color:#141414;line-height:1.25;}
nav.nav{display:flex;align-items:center;justify-content:center;gap:24px;flex-wrap:wrap;background:#000;padding:14px 24px;}
nav.nav a{font-size:14px;font-weight:600;color:#fff;letter-spacing:.02em;}
nav.nav a.active{color:#E8B923;}
.menu-toggle{display:none;background:none;border:1px solid rgba(0,0,0,.15);border-radius:6px;padding:10px 14px;font-size:14px;font-weight:700;cursor:pointer;}
.hero{position:relative;height:60vh;min-height:360px;overflow:hidden;}
.hero img{width:100%;height:100%;object-fit:cover;}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(18,25,42,.55) 0%,rgba(18,25,42,.25) 45%,rgba(18,25,42,.05) 70%);}
.hero-content{position:absolute;inset:0;display:flex;flex-direction:column;justify-content:center;gap:14px;padding:0 6vw;color:#fff;}
.hero-content h1{color:#fff;font-size:clamp(28px,5vw,48px);margin:0;}
.hero-tag{font-size:clamp(16px,2.2vw,22px);font-weight:700;margin:0;}
.btn{display:inline-block;background:#000;color:#fff;border:2px solid #fff;padding:14px 28px;border-radius:4px;font-weight:700;cursor:pointer;font-size:16px;text-align:center;}
.section{padding:72px 6vw;}
.section-alt{background:#FAF9F5;}
.grid-2{display:grid;grid-template-columns:minmax(0,1.7fr) minmax(0,1fr);gap:48px;max-width:1400px;margin:0 auto;align-items:start;}
.grid-3{display:grid;grid-template-columns:minmax(0,.5fr) minmax(0,1.3fr) minmax(0,.9fr);gap:40px;max-width:1400px;margin:0 auto;align-items:start;}
@media (max-width:820px){.grid-2,.grid-3{grid-template-columns:1fr !important;}}
.photo-col img{border-radius:4px;width:100%;max-width:280px;aspect-ratio:2/3;object-fit:cover;}
.stack-btn{display:block;width:100%;max-width:280px;border:none;color:#fff;padding:14px 12px;border-radius:4px;font-weight:700;font-size:15px;cursor:pointer;margin-top:10px;}
.btn-dark{background:#000;}
.btn-green{background:#4C9A2A;}
.quick-quote{border:1px solid rgba(0,0,0,.1);border-radius:4px;overflow:hidden;}
.qq-header{background:#000;color:#fff;padding:16px 24px;font-weight:700;font-size:15px;letter-spacing:.04em;text-transform:uppercase;}
.qq-body{display:flex;flex-direction:column;gap:14px;padding:24px;background:#FAF9F5;}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
@media (max-width:480px){.two-col{grid-template-columns:1fr;}}
label.field{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:600;color:#141414;}
input,select,textarea{border:1px solid rgba(0,0,0,.15);border-radius:6px;padding:11px 12px;font-size:16px;font-family:inherit;width:100%;}
.submit-btn{background:#E8B923;color:#141414;border:none;padding:14px;border-radius:4px;font-weight:700;font-size:16px;cursor:pointer;margin-top:6px;}
.submit-btn-dark{background:#000;color:#fff;}
.trust-note{font-size:13px;color:#5B6472;text-align:center;display:block;}
.extra-btn{display:block;width:100%;background:#000;color:#fff;border:none;padding:18px;font-weight:700;font-size:15px;letter-spacing:.02em;cursor:pointer;margin-top:16px;text-align:center;}
.resources-wrap{max-width:900px;margin:0 auto;}
.accordion-row{display:flex;align-items:center;justify-content:space-between;width:100%;background:transparent;border:1px solid rgba(0,0,0,.1);border-radius:6px;padding:18px 20px;font-size:18px;font-weight:700;color:#141414;cursor:pointer;margin-bottom:10px;}
.accordion-panel{display:none;padding:12px 4px 24px;}
.accordion-panel.open{display:block;}
.resource-card{display:block;border:1px solid rgba(0,0,0,.1);border-radius:6px;padding:16px 20px;margin-bottom:10px;}
.pro-card{display:grid;grid-template-columns:220px minmax(0,1fr);gap:24px;border:1px solid rgba(0,0,0,.1);border-radius:4px;padding:22px;background:#FAF9F5;margin-bottom:14px;}
@media (max-width:600px){.pro-card{grid-template-columns:1fr;}}
.pro-card img{width:100%;aspect-ratio:16/9;object-fit:contain;background:#fff;border:1px solid #141414;border-radius:4px;}
.empty-note{color:#5B6472;font-style:italic;padding:12px 4px;}
.loan-bullets{font-size:18px;line-height:1.9;padding-left:20px;}
.loan-bullets ul{list-style:circle;font-size:17px;color:#5B6472;margin-top:8px;}
.loan-detail{margin:48px 0;padding-top:24px;border-top:1px solid rgba(0,0,0,.1);}
.glossary-jump{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:32px;}
.glossary-jump a{border:1px solid rgba(0,0,0,.1);border-radius:4px;padding:6px 12px;font-weight:700;}
.glossary-letter{margin:40px 0;}
.glossary-term{font-size:16px;font-weight:700;color:#141414;margin:0 0 4px;text-transform:capitalize;}
.newsletter-article{margin-bottom:56px;padding-bottom:40px;border-bottom:1px solid rgba(0,0,0,.1);}
.newsletter-article img{width:100%;border-radius:6px;margin-bottom:12px;}
.footer{background:#F1EFEA;padding:56px 6vw 32px;}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:32px;max-width:1400px;margin:0 auto 32px;}
.footer h4{font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:#000;margin:0 0 12px;}
.footer a, .footer span{display:block;font-size:15px;color:#141414;margin-bottom:6px;}
.footer-social{display:flex;gap:8px;margin:8px 0 16px;}
.footer-social a{width:32px;height:32px;display:flex;align-items:center;justify-content:center;background:#1B1F27;color:#fff;border-radius:4px;font-size:14px;font-weight:700;}
.footer-bottom{text-align:center;font-size:13px;color:#5B6472;border-top:1px solid rgba(0,0,0,.08);padding-top:20px;}
.map-wrap{border-radius:4px;overflow:hidden;border:1px solid rgba(0,0,0,.1);margin-bottom:8px;}
.map-wrap iframe{width:100%;height:140px;border:0;display:block;}
.calc-field{display:block;font-size:17px;font-weight:700;color:#141414;margin:0 0 24px;}
.calc-input-wrap{display:flex;align-items:center;gap:8px;border:1px solid rgba(0,0,0,.15);border-radius:4px;padding:0 14px;margin-top:8px;background:#fff;}
.calc-input-wrap input,.calc-input-wrap select{border:none;padding:14px 0;}
.calc-result{border:1px solid #E8B923;background:#FAF9F5;border-radius:4px;padding:20px 24px;margin:16px 0;}
.check-row{display:flex;align-items:flex-start;gap:12px;font-size:15px;color:#1B1F27;font-weight:600;margin-bottom:10px;}
@media (max-width:768px){
  nav.nav{display:none;}
  nav.nav.open{display:flex;flex-direction:column;align-items:flex-start;}
  .menu-toggle{display:inline-block;}
  .brand-name{display:inline-block;}
}

.header-row{display:flex;align-items:flex-start;justify-content:space-between;flex-wrap:wrap;gap:14px;padding:14px 24px;}
.brand img{height:64px;width:auto;}
.header-right{display:flex;flex-direction:column;align-items:flex-end;gap:10px;flex:1;min-width:260px;}
.top-links{display:flex;gap:18px;flex-wrap:wrap;}
.top-links a{font-size:14px;color:#9A9A95;font-weight:500;}
.top-links a.top-active{color:#141414;font-weight:700;}
.header-tagline{font-size:18px;font-weight:700;color:#141414;}
.header-tagline a{color:#141414;font-weight:700;}
.tag-divider{color:#141414;margin:0 6px;font-weight:400;}
.header-cta-row{display:flex;align-items:center;gap:16px;}
.licensed-tag{font-size:16px;color:#141414;}
.btn-getstarted{display:inline-block;border:1.5px solid #8a1f2b;color:#8a1f2b;padding:9px 18px;border-radius:999px;font-weight:700;font-size:13px;}
nav.nav{display:flex;align-items:center;justify-content:center;gap:28px;flex-wrap:wrap;background:#000;padding:14px 24px;margin:0;}
nav.nav a{font-size:15px;font-weight:700;color:#fff;letter-spacing:.02em;}
nav.nav a.active{color:#E8B923;}
.nav-secondary{display:flex;align-items:center;justify-content:center;gap:28px;flex-wrap:wrap;background:#EDEDEA;padding:12px 24px;}
.nav-secondary a{font-size:14px;font-weight:500;color:#141414;}
.nav-secondary a.active{font-weight:700;}
@media (max-width:768px){
  .header-right,.nav-secondary{display:none;}
  .menu-toggle{display:inline-block;}
  .brand-name{display:inline-block;}
  nav.nav{display:none;}
  nav.nav.open{display:flex;flex-direction:column;align-items:flex-start;}
}

@keyframes kenburns { 0% { transform: scale(1) translate(0,0); } 100% { transform: scale(1.14) translate(-1.5%,-1.5%); } }
.hero img{animation: kenburns 20s ease-in-out infinite alternate;}
@media (prefers-reduced-motion: reduce){ .hero img{animation:none;} [data-reveal]{opacity:1 !important; transform:none !important;} }
[data-reveal]{opacity:1; transform:none;}
html.js [data-reveal]{opacity:0; transform:translateY(20px); transition:opacity .7s cubic-bezier(.22,1,.36,1), transform .7s cubic-bezier(.22,1,.36,1);}
html.js [data-reveal].revealed{opacity:1 !important; transform:none !important;}
.loan-dropdown-wrap{position:relative;}
.loan-dropdown{position:absolute;top:100%;left:0;background:#EAF4FB;min-width:240px;box-shadow:0 16px 30px rgba(18,25,42,.15);z-index:950;display:none;}
.loan-dropdown.open{display:block;}
.loan-dropdown a{display:block;padding:14px 18px;font-size:15px;color:#141414;border-bottom:1px solid rgba(0,0,0,.06);}
.loan-dropdown a:last-child{border-bottom:none;}