/* Fidelity Funding Bancorp — clean lender style */
:root{
  --navy:#0b1f3a; --navy-2:#13315c; --navy-3:#0a2c55;
  --gold:#b8863f; --gold-2:#d4a24c; --gold-soft:#f6eedf;
  --ink:#16213a; --muted:#56607a; --faint:#8a93a6;
  --bg:#ffffff; --grey:#f4f5f8; --grey-2:#e9ecf2; --line:#d9dee7; --line-2:#c4cbd8;
  --ok:#276749; --card:#fff; --head:#0b1f3a; --link:#0a2c55; --hdr-bg:rgba(255,255,255,.97); --err:#9a2b2b;
  --r-sm:6px; --r:10px; --r-lg:16px; --r-full:999px;
  --sh:0 1px 2px rgba(11,31,58,.05),0 4px 14px rgba(11,31,58,.06);
  --sh-lg:0 12px 32px rgba(11,31,58,.12);
  --serif:'Fraunces',Georgia,'Times New Roman',serif;
  --sans:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --t-sm:clamp(.875rem,.84rem + .15vw,.95rem);
  --t-base:clamp(1rem,.97rem + .15vw,1.0625rem);
  --t-lg:clamp(1.125rem,1.05rem + .35vw,1.3rem);
  --t-xl:clamp(1.5rem,1.25rem + 1vw,2.1rem);
  --t-2xl:clamp(2rem,1.5rem + 2vw,3.1rem);
  --ease:cubic-bezier(.16,1,.3,1);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;font-family:var(--sans);font-size:var(--t-base);line-height:1.6;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block;height:auto}
a{color:var(--link)}
h1,h2,h3{font-family:var(--serif);font-weight:500;color:var(--head);line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em;text-wrap:balance}
h1{font-size:var(--t-2xl)} h2{font-size:var(--t-xl)} h3{font-size:var(--t-lg)}
p{margin:0 0 1em;text-wrap:pretty}
.wrap{max-width:1240px;margin:0 auto;padding:0 clamp(1rem,3vw,2rem)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.5rem 1rem;z-index:100}
.skip:focus{left:1rem}
:focus-visible{outline:3px solid var(--gold-2);outline-offset:2px;border-radius:4px}
.eyebrow{font-size:.8rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:.6rem}
.lede{font-size:var(--t-lg);color:var(--muted);max-width:62ch}
.fine,.opt{font-size:.82rem;color:var(--faint)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font:600 .95rem/1 var(--sans);padding:.8rem 1.35rem;border-radius:var(--r-full);border:1.5px solid transparent;text-decoration:none;cursor:pointer;transition:background .2s var(--ease),color .2s,border-color .2s,transform .2s var(--ease);white-space:nowrap}
.btn--lg{padding:1rem 1.7rem;font-size:1rem}
.btn--pri{background:var(--navy);color:#fff}
.btn--pri:hover{background:var(--navy-3)}
.btn--out{border-color:var(--head);color:var(--head);background:var(--card)}
.btn--out:hover{background:var(--navy);color:#fff}
.btn--ghost{color:var(--head);background:transparent}
.btn--ghost:hover{background:var(--grey)}
.btn:active{transform:translateY(1px)}

/* utility + header */
.util{background:var(--navy);color:#cfd6e4;font-size:.8rem}
.util__in{display:flex;justify-content:space-between;gap:1rem;padding-top:.45rem;padding-bottom:.45rem}
.util a{color:#fff;text-decoration:none}
.util a:hover{text-decoration:underline}
.util__r{display:flex;gap:1rem;align-items:center;white-space:nowrap}
.util__r a{display:inline-flex;gap:.35rem;align-items:center;font-weight:600}
.hdr{position:sticky;top:0;z-index:50;background:var(--hdr-bg);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.hdr.is-scrolled{box-shadow:0 2px 12px rgba(11,31,58,.08)}
.hdr__in{display:flex;align-items:center;gap:2rem;height:76px}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:var(--head);flex-shrink:0}
.brand__t{display:flex;flex-direction:column;line-height:1.1}
.brand__n{font-family:var(--serif);font-size:1.3rem;font-weight:600;color:var(--head)}
.brand__s{font-size:.68rem;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-top:.2rem}
.nav{display:flex;align-items:center;gap:.25rem;margin-left:auto}
.nav>a,.nav__ddbtn{font:500 .95rem var(--sans);color:var(--ink);text-decoration:none;padding:.6rem .8rem;border-radius:var(--r-sm);background:none;border:0;cursor:pointer;display:inline-flex;align-items:center;gap:.35rem}
.nav>a:hover,.nav__ddbtn:hover,.nav>a[aria-current]{color:var(--link);background:var(--grey)}
.nav__dd{position:relative}
.nav>a,.nav__ddbtn{white-space:nowrap}
.allp{border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(1.25rem,3vw,2rem);background:var(--grey)}
.allp__h{display:flex;justify-content:space-between;align-items:center;gap:1rem;flex-wrap:wrap;margin-bottom:1.25rem}
.allp__h h3{margin:0}
.allp__cols{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem}
.allp__g{font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin:0 0 .5rem}
.allp ul{list-style:none;margin:0;padding:0}
.allp li a{display:block;padding:.3rem 0;color:var(--link);text-decoration:none;font-weight:500}
.allp li a:hover{text-decoration:underline}
.mega{position:absolute;left:-1rem;top:calc(100% + 10px);width:min(880px,90vw);background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh-lg);padding:1.5rem;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .2s,transform .2s var(--ease),visibility .2s}
.nav__dd.is-open .mega{opacity:1;visibility:visible;transform:none}
.mega__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem}
.mega__h{font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin:0 0 .5rem}
.mega ul{list-style:none;margin:0;padding:0}
.mega li a{display:block;padding:.3rem 0;color:var(--ink);text-decoration:none;font-size:.9rem}
.mega li a:hover{color:var(--link);text-decoration:underline}
.mega__all{display:inline-flex;gap:.4rem;align-items:center;margin-top:1.1rem;padding-top:1rem;border-top:1px solid var(--line);width:100%;font-weight:600;text-decoration:none}
.hdr__cta{display:flex;gap:.5rem;align-items:center}
.burger{display:none;margin-left:auto;background:none;border:0;width:44px;height:44px;cursor:pointer;flex-direction:column;justify-content:center;gap:5px;align-items:center}
.burger span{display:block;width:22px;height:2px;background:var(--navy);transition:transform .2s}
.burger[aria-expanded=true] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded=true] span:nth-child(2){opacity:0}
.burger[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mnav{border-top:1px solid var(--line);background:var(--card);max-height:calc(100vh - 110px);overflow:auto}
.mnav .wrap{display:flex;flex-direction:column;padding-top:.5rem;padding-bottom:1.25rem}
.mnav a,.mnav summary{padding:.8rem 0;border-bottom:1px solid var(--grey-2);color:var(--ink);text-decoration:none;font-weight:500;cursor:pointer}
.mnav .mnav__sub{padding:.55rem 0 .55rem 1rem;font-weight:400;font-size:.95rem;border:0}
.mnav .btn{margin-top:1rem;border:0;color:#fff}

/* hero */
.hero{background:linear-gradient(180deg,var(--grey) 0%,var(--bg) 100%);padding:clamp(2.5rem,6vw,5rem) 0 clamp(2rem,4vw,3.5rem)}
.hero__in{display:grid;grid-template-columns:1.05fr 1fr;gap:clamp(2rem,5vw,4rem);align-items:center}
.hero h1{font-size:clamp(2.3rem,1.6rem + 2.8vw,3.8rem)}
.hero__btns{display:flex;flex-wrap:wrap;gap:.75rem;margin:1.75rem 0 1.5rem}
.hero__trust{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.5rem 1.5rem;font-size:.9rem;font-weight:500;color:var(--head)}
.hero__trust li{display:flex;align-items:center;gap:.4rem}
.hero__trust .ico{color:var(--gold)}
.hero__img img,.dhero__img img{border-radius:var(--r-lg);aspect-ratio:4/3;object-fit:cover;width:100%;box-shadow:var(--sh-lg)}

/* quick boxes */
.quick{padding:0 0 1rem}
.quick__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.qbox{display:flex;gap:1rem;align-items:center;padding:1.25rem 1.35rem;border:1px solid var(--line);border-radius:var(--r);background:var(--card);text-decoration:none;color:var(--ink);transition:border-color .2s,box-shadow .2s,transform .2s var(--ease)}
.qbox .ico{color:var(--gold);flex-shrink:0}
.qbox strong{display:block;font-family:var(--serif);font-weight:500;font-size:1.15rem;color:var(--head)}
.qbox small{color:var(--muted);font-size:.88rem}
.qbox:hover{border-color:var(--head);box-shadow:var(--sh);transform:translateY(-2px)}

/* sections */
.sec{padding:clamp(3rem,7vw,5.5rem) 0}
.sec--grey{background:var(--grey)}
.sec__h{text-align:center;max-width:720px;margin:0 auto clamp(2rem,4vw,3rem)}
.sec__h p{color:var(--muted)}
.sec__h--left{text-align:left;margin:0}
.band{background:var(--grey);padding:clamp(1.5rem,3vw,2.25rem) 0 clamp(2.5rem,5vw,3.5rem);border-bottom:1px solid var(--grey-2)}
.crumbs{display:flex;flex-wrap:wrap;gap:.5rem;font-size:.85rem;color:var(--muted);margin-bottom:1.5rem}
.crumbs a{color:var(--link);text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.jump{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1.5rem}
.jump a{padding:.5rem 1rem;border:1px solid var(--line-2);border-radius:var(--r-full);background:var(--card);text-decoration:none;font-size:.9rem;font-weight:500;color:var(--head)}
.jump a:hover{border-color:var(--head)}

/* loan boxes */
.lgroup{margin-top:clamp(2.5rem,5vw,3.5rem)}
.lgroup:first-child{margin-top:0}
.lgroup__h{display:flex;flex-wrap:wrap;align-items:baseline;gap:.25rem 1.25rem;margin-bottom:1.25rem;padding-bottom:.75rem;border-bottom:1px solid var(--line)}
.lgroup__h h2,.lgroup__h h3{margin:0;font-size:var(--t-lg)}
.lgroup__h p{margin:0;color:var(--muted);font-size:.95rem}
.lgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.lgrid--3{grid-template-columns:repeat(3,1fr)}
.lbox{display:flex;flex-direction:column;padding:1.4rem 1.4rem 1.2rem;border:1px solid var(--line);border-radius:var(--r);background:var(--card);text-decoration:none;color:var(--ink);min-height:100%;transition:border-color .2s,box-shadow .2s,transform .2s var(--ease)}
.lbox:hover{border-color:var(--head);box-shadow:var(--sh-lg);transform:translateY(-3px)}
.lbox__t{font-family:var(--serif);font-size:1.25rem;font-weight:500;color:var(--head);line-height:1.2}
.lbox__w{font-size:.9rem;font-weight:600;color:var(--gold);margin:.45rem 0 .6rem}
.lbox__d{font-size:.9rem;color:var(--muted);flex:1}
.lbox__go{display:inline-flex;align-items:center;gap:.35rem;margin-top:1rem;font-size:.88rem;font-weight:600;color:var(--head)}
.lbox:hover .lbox__go .ico{transform:translateX(3px)}
.lbox__go .ico{transition:transform .2s var(--ease)}
.pgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem;margin-bottom:clamp(2rem,4vw,3rem)}
.pbox{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;text-decoration:none;color:var(--ink);background:var(--card);transition:box-shadow .2s,transform .2s var(--ease),border-color .2s}
.pbox img{aspect-ratio:16/10;object-fit:cover;width:100%;transition:transform .5s var(--ease)}
.pbox__b{display:flex;flex-direction:column;padding:1.1rem 1.3rem 1.25rem}
.pbox__b .lbox__w{margin-bottom:0}
.pbox:hover{box-shadow:var(--sh-lg);transform:translateY(-3px);border-color:var(--head)}
.pbox:hover img{transform:scale(1.03)}

/* promises */
.promises{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem}
.promise{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.6rem}
.promise .ico{color:var(--gold);margin-bottom:.9rem}
.promise h3{font-size:1.2rem}
.promise p{color:var(--muted);font-size:.95rem;margin:0}
.why2{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,4rem);align-items:center;margin-top:clamp(2.5rem,5vw,4rem)}
.why2 img{border-radius:var(--r-lg);aspect-ratio:3/2;object-fit:cover;width:100%}
.why2 p{color:var(--muted)}
.why2--flip{margin-top:0}

/* steps */
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem;counter-reset:s}
.steps li{padding:1.6rem;border:1px solid var(--line);border-radius:var(--r);background:var(--card)}
.steps__n{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:1rem}
.steps p{color:var(--muted);margin:0;font-size:.95rem}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1.1fr;gap:clamp(2rem,5vw,4rem);align-items:center}
.calc__copy p{color:var(--muted)}
.calc__box{display:grid;grid-template-columns:1fr 1fr;gap:1rem;background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(1.25rem,3vw,2rem);box-shadow:var(--sh)}
.calc__box label:nth-child(5){grid-column:1/-1}
.calc__out{grid-column:1/-1;background:var(--navy);color:#fff;border-radius:var(--r);padding:1.25rem 1.4rem;display:flex;flex-direction:column;gap:.2rem}
.calc__out span{font-size:.85rem;color:#c9d2e3}
.calc__out strong{font-family:var(--serif);font-size:2.4rem;font-weight:500;font-variant-numeric:tabular-nums}
.calc__out small{color:#c9d2e3;font-size:.85rem}

/* forms */
label{display:flex;flex-direction:column;gap:.35rem;font-size:.88rem;font-weight:600;color:var(--head)}
input,select,textarea{font:400 1rem var(--sans);color:var(--ink);padding:.75rem .85rem;border:1px solid var(--line-2);border-radius:var(--r-sm);background:var(--card);width:100%;min-height:46px}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--head);box-shadow:0 0 0 3px rgba(19,49,92,.15)}
input[aria-invalid=true],select[aria-invalid=true]{border-color:var(--err)}
.cb{background:var(--navy);color:#dfe5f0;padding:clamp(3rem,7vw,5.5rem) 0}
.cb__in{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(2rem,5vw,4rem);align-items:start}
.cb h2{color:#fff}
.cb .eyebrow{color:var(--gold-2)}
.cb__copy p{color:#c9d2e3}
.cb__call a{color:#fff;font-weight:600}
.ticks{list-style:none;padding:0;margin:1.5rem 0}
.ticks li{display:flex;gap:.6rem;align-items:center;margin-bottom:.6rem}
.ticks .ico{color:var(--gold-2)}
.form{background:var(--card);border-radius:var(--r-lg);padding:clamp(1.25rem,3vw,2rem);display:flex;flex-direction:column;gap:1rem;color:var(--ink)}
.form__row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.consent{flex-direction:row;align-items:flex-start;gap:.6rem;font-weight:400;font-size:.85rem;color:var(--muted)}
.consent input{width:18px;height:18px;min-height:0;margin-top:.15rem;flex-shrink:0}
.form__msg{margin:0;font-size:.92rem;font-weight:500}
.form__msg.ok{color:var(--ok)} .form__msg.bad{color:var(--err)}

/* testimonials */
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.tcard{margin:0;padding:1.6rem;border:1px solid var(--line);border-radius:var(--r);display:flex;flex-direction:column}
.stars{display:flex;gap:2px;color:var(--gold);margin-bottom:.8rem}
.stars .s{fill:currentColor}
.tcard blockquote{margin:0 0 1.2rem;font-family:var(--serif);font-size:1.08rem;line-height:1.5;color:var(--ink);flex:1}
.tcard figcaption{display:flex;flex-direction:column;font-size:.9rem}
.tcard figcaption span{color:var(--muted)}

/* detail */
.band--hero{padding-bottom:clamp(2.5rem,5vw,4rem)}
.dhero{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(2rem,5vw,4rem);align-items:center}
.what{display:grid;grid-template-columns:.95fr 1.05fr;gap:clamp(2rem,5vw,4rem);align-items:start}
.what__copy p{color:var(--muted);font-size:1.05rem}
.feats{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.feat{padding:1.35rem;border:1px solid var(--line);border-radius:var(--r)}
.feat .ico{color:var(--gold);margin-bottom:.7rem}
.feat h3{font-size:1.1rem;margin-bottom:.35rem}
.feat p{margin:0;color:var(--muted);font-size:.92rem}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
.tile{display:flex;justify-content:space-between;align-items:center;gap:1rem;padding:1.25rem 1.35rem;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;font-family:var(--serif);font-size:1.1rem;color:var(--navy-3);background:var(--card);transition:border-color .2s,box-shadow .2s,transform .2s var(--ease)}
.tile .ico{color:var(--gold);flex-shrink:0;transition:transform .2s var(--ease)}
.tile:hover{border-color:var(--head);box-shadow:var(--sh);transform:translateY(-2px)}
.tile:hover .ico{transform:translateX(3px)}
.topics{max-width:820px;margin:clamp(2.5rem,5vw,4rem) auto 0}
.topic{padding:2rem 0;border-top:1px solid var(--line)}
.topic:target h3{color:var(--gold)}
.topic p{color:var(--muted)}
.topic__back{font-size:.85rem;font-weight:600;text-decoration:none}
.faqwrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(2rem,5vw,4rem)}
.faq{background:var(--card);border:1px solid var(--line);border-radius:var(--r);margin-bottom:.75rem}
.faq summary{list-style:none;cursor:pointer;padding:1.15rem 1.35rem;font-weight:600;color:var(--head);display:flex;justify-content:space-between;gap:1rem;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq__i{position:relative;width:14px;height:14px;flex-shrink:0}
.faq__i::before,.faq__i::after{content:"";position:absolute;left:0;top:6px;width:14px;height:2px;background:var(--gold);transition:transform .2s}
.faq__i::after{transform:rotate(90deg)}
.faq[open] .faq__i::after{transform:rotate(0)}
.faq p{padding:0 1.35rem 1.2rem;margin:0;color:var(--muted)}

/* about / contact */
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;text-align:center}
.facts div{padding:1.75rem 1rem;border:1px solid var(--line);border-radius:var(--r)}
.facts strong{display:block;font-family:var(--serif);font-size:2.2rem;font-weight:500;color:var(--head)}
.facts span{color:var(--muted);font-size:.92rem}
.cgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.cinfo{padding:1.75rem;border:1px solid var(--line);border-radius:var(--r)}
.cinfo .ico{color:var(--gold);margin-bottom:.75rem}
.cinfo h2{font-size:1.3rem}
.cinfo p{margin:0;color:var(--muted);overflow-wrap:anywhere}

/* footer */
.ftr{background:#07162b;color:#aab4c7;font-size:.9rem;padding:clamp(3rem,6vw,4.5rem) 0 2rem}
.ftr a{color:#dfe5f0;text-decoration:none}
.ftr a:hover{text-decoration:underline}
.ftr__top{display:grid;grid-template-columns:1fr 2.4fr;gap:clamp(2rem,5vw,4rem)}
.brand--inv,.brand--inv .brand__n{color:#fff}
.brand--inv .brand__s{color:#8f9bb3}
.brand--inv .logo-mark{color:#13315c}
.ftr__brand p{margin:1rem 0 0}
.ftr__cols{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem}
.ftr__h{color:#fff;font-weight:600;margin-bottom:.75rem}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li{margin-bottom:.4rem}
.ftr__legal{margin-top:3rem;padding-top:1.5rem;border-top:1px solid #1d2d48;font-size:.8rem;color:#8f9bb3}
.ftr__legal strong{color:#cfd6e4}

/* responsive */
@media (max-width:1280px){.hide-md{display:none}}
@media (max-width:1100px){
  .allp__cols{grid-template-columns:repeat(2,1fr)}
  .nav,.hide-md{display:none}
  .burger{display:flex}
  .hdr__cta{margin-left:auto}
  .lgrid{grid-template-columns:repeat(3,1fr)}
  .promises{grid-template-columns:repeat(2,1fr)}
  .ftr__cols{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:860px){
  .hero__in,.dhero,.what,.why2,.calc,.cb__in,.faqwrap,.ftr__top{grid-template-columns:1fr}
  .quick__grid{grid-template-columns:repeat(2,1fr)}
  .lgrid,.lgrid--3,.pgrid,.tgrid,.tiles,.steps{grid-template-columns:repeat(2,1fr)}
  .facts{grid-template-columns:repeat(2,1fr)}
  .cgrid{grid-template-columns:1fr}
  .sec__h--left{margin-bottom:1.5rem}
  .hide-sm{display:none}
}
@media (max-width:560px){
  .hdr__in{height:64px;gap:.75rem}
  .hdr__cta .btn{padding:.65rem 1rem;font-size:.88rem}
  .brand__s{display:none}
  .brand__n{font-size:1.1rem}
  .util__in>span:first-child{display:none}
  .util__in{justify-content:center}
  .allp__cols,.quick__grid,.lgrid,.lgrid--3,.pgrid,.tgrid,.tiles,.steps,.promises,.feats,.form__row,.calc__box,.ftr__cols{grid-template-columns:1fr}
  .hero__btns .btn{width:100%}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* expanded program content */
.blist{margin:.25rem 0 1rem;padding-left:1.2rem;color:var(--muted)}
.blist li{margin:.35rem 0;padding-left:.2rem}
.blist li::marker{color:var(--gold)}
.checks{list-style:none;padding:0;margin:0;display:grid;gap:.7rem}
.checks li{display:flex;gap:.65rem;align-items:flex-start;line-height:1.45}
.checks li svg{flex:none;color:var(--gold);margin-top:.15rem}
.fit{display:grid;grid-template-columns:.8fr 1.2fr;gap:1.5rem;align-items:start}
.fit h3{font-size:1.15rem;margin:0 0 1rem}
.fit__who{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.75rem}
.fit__pc{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.pc{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.75rem;border-top:4px solid var(--navy)}
.pc--con{border-top-color:var(--gold)}
.pc ul{margin:0;padding-left:1.1rem;display:grid;gap:.55rem;color:var(--muted)}
.steps--n4,.steps--n7{grid-template-columns:repeat(4,1fr)}
.steps--n5{grid-template-columns:repeat(5,1fr)}
.docs{margin-top:2rem;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.75rem}
.docs h3{margin:0 0 1rem;font-size:1.15rem}
.docs .checks{grid-template-columns:repeat(2,1fr);column-gap:2rem}
.docs__note{margin:1.25rem 0 0;color:var(--muted);font-size:.9rem}
@media (max-width:1000px){.fit{grid-template-columns:1fr}}
@media (max-width:640px){.fit__pc,.docs .checks{grid-template-columns:1fr}}
@media (max-width:1000px){.steps--n4,.steps--n5,.steps--n7{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.steps--n4,.steps--n5,.steps--n7{grid-template-columns:1fr}}

/* chat assistant */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}
.ffc{position:fixed;right:20px;bottom:20px;z-index:80;font-family:inherit}
.ffc__fab{display:flex;align-items:center;gap:.6rem;background:var(--navy);color:#fff;border:0;border-radius:999px;padding:.85rem 1.2rem .85rem 1rem;font:600 .95rem/1 inherit;font-family:inherit;box-shadow:0 10px 30px rgba(11,31,58,.28);cursor:pointer;transition:transform .2s ease,box-shadow .2s ease}
.ffc__fab:hover{transform:translateY(-2px);box-shadow:0 14px 34px rgba(11,31,58,.34)}
.ffc__fab svg{color:var(--gold-2,#d4a24c)}
.ffc.is-open .ffc__fab{display:none}
.ffc__nudge{position:absolute;right:0;bottom:64px;width:260px;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:.9rem 2.2rem .9rem 1rem;box-shadow:0 12px 30px rgba(11,31,58,.15);cursor:pointer;font-size:.9rem;line-height:1.45;color:var(--ink,#0b1f3a)}
.ffc__nudge p{margin:0}
.ffc__nudge-x{position:absolute;top:.4rem;right:.4rem;background:none;border:0;color:var(--muted);cursor:pointer;padding:.2rem;display:grid}
.ffc__nudge-x svg{width:16px;height:16px}
.ffc__panel{width:min(390px,calc(100vw - 24px));height:min(620px,calc(100vh - 40px));background:var(--card);border:1px solid var(--line);border-radius:18px;box-shadow:0 24px 60px rgba(11,31,58,.25);display:flex;flex-direction:column;overflow:hidden}
.ffc__panel[hidden]{display:none}
.ffc__hd{display:flex;align-items:center;gap:.75rem;padding:.9rem 1rem;background:var(--navy);color:#fff}
.ffc__hd strong{display:block;font-family:Fraunces,Georgia,serif;font-weight:500;font-size:1.05rem}
.ffc__hd span{display:block;font-size:.78rem;opacity:.75}
.ffc__av{width:38px;height:38px;border-radius:50%;background:var(--gold,#b8863f);display:grid;place-items:center;font-weight:700;font-size:.85rem;letter-spacing:.04em}
.ffc__call,.ffc__close{margin-left:auto;background:rgba(255,255,255,.1);color:#fff;border:0;border-radius:50%;width:34px;height:34px;display:grid;place-items:center;cursor:pointer}
.ffc__close{margin-left:.4rem}
.ffc__call:hover,.ffc__close:hover{background:rgba(255,255,255,.2)}
.ffc__log{flex:1;overflow-y:auto;padding:1rem;display:flex;flex-direction:column;gap:.6rem;background:var(--grey);overscroll-behavior:contain}
.ffc__m{max-width:86%;padding:.7rem .9rem;border-radius:14px;font-size:.9rem;line-height:1.5;white-space:normal;word-wrap:break-word}
.ffc__m--bot{align-self:flex-start;background:var(--card);border:1px solid var(--line);border-bottom-left-radius:4px;color:var(--ink)}
.ffc__m--me{align-self:flex-end;background:var(--navy);color:#fff;border-bottom-right-radius:4px}
.ffc__lnk{display:block;margin-top:.5rem;font-weight:600;color:inherit;text-decoration:underline;font-size:.85rem}
.ffc__lnk:hover{text-decoration:underline}
.ffc__typing{display:flex;gap:4px;padding:.85rem 1rem}
.ffc__typing i{width:6px;height:6px;border-radius:50%;background:#9aa4b2;animation:ffcb 1s infinite ease-in-out}
.ffc__typing i:nth-child(2){animation-delay:.15s}.ffc__typing i:nth-child(3){animation-delay:.3s}
@keyframes ffcb{0%,80%,100%{opacity:.3;transform:translateY(0)}40%{opacity:1;transform:translateY(-3px)}}
.ffc__chips{display:flex;flex-wrap:wrap;gap:.4rem;padding:.6rem 1rem 0;background:var(--grey);max-height:128px;overflow-y:auto}
.ffc__chips:empty{display:none}
.ffc__chip{background:var(--card);border:1px solid var(--head);color:var(--head);border-radius:999px;padding:.4rem .75rem;font:500 .82rem/1.2 inherit;font-family:inherit;cursor:pointer}
.ffc__chip:hover{background:var(--navy);color:#fff}
.ffc__in{display:flex;gap:.5rem;padding:.75rem 1rem;border-top:1px solid var(--line);background:var(--card)}
.ffc__chips:not(:empty)+.ffc__in{box-shadow:0 -8px 12px -10px rgba(0,0,0,.08)}
.ffc__in input{flex:1;border:1px solid var(--line);border-radius:10px;padding:.65rem .8rem;font:inherit;font-size:16px;min-width:0}
.ffc__in input:focus{outline:2px solid var(--gold,#b8863f);outline-offset:0;border-color:transparent}
.ffc__in button{background:var(--navy);color:#fff;border:0;border-radius:10px;width:44px;display:grid;place-items:center;cursor:pointer}
.ffc__legal{margin:0;padding:0 1rem .6rem;font-size:.7rem;color:var(--muted);background:var(--card)}
@media (max-width:640px){
  .ffc{right:12px;bottom:12px}
  .ffc__fab span{display:none}
  .ffc__fab{padding:.95rem}
  .ffc.is-open{inset:0;right:0;bottom:0}
  .ffc__panel{width:100vw;height:100dvh;border-radius:0;border:0}
}
@media (prefers-reduced-motion:reduce){.ffc__fab,.ffc__typing i{transition:none;animation:none}}

/* dark theme */
[data-theme="dark"]{--bg:#0a1322;--grey:#0f1b2f;--grey-2:#15243c;--card:#111f35;--line:#22344f;--line-2:#2f4566;--ink:#e3e8f1;--muted:#a7b1c4;--faint:#8591a6;--head:#f1f4f9;--link:#e2b866;--navy:#1d4478;--navy-3:#2a5895;--gold:#d9ae5f;--gold-soft:#2a2418;--hdr-bg:rgba(10,19,34,.94);--sh:0 1px 2px rgba(0,0,0,.3),0 4px 14px rgba(0,0,0,.25);--sh-lg:0 12px 32px rgba(0,0,0,.4);color-scheme:dark}
[data-theme="dark"] .btn--out:hover,[data-theme="dark"] .ffc__chip:hover{color:#fff}
[data-theme="dark"] img{filter:brightness(.92)}
.theme-t{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;border:1px solid var(--line);background:transparent;color:var(--head);cursor:pointer;flex-shrink:0}
.theme-t:hover{background:var(--grey)}

/* ===== bells and whistles ===== */
.btn--gold{background:var(--gold-2);color:#0b1f3a}
.btn--gold:hover{background:#e2b866}
.btn--glass{background:rgba(255,255,255,.1);color:#fff;border-color:rgba(255,255,255,.35);backdrop-filter:blur(6px)}
.btn--glass:hover{background:rgba(255,255,255,.2)}
.hero__img{position:relative}
.hero__badge{position:absolute;left:-14px;bottom:22px;z-index:2;background:var(--card);color:var(--muted);border:1px solid var(--line);border-radius:14px;padding:.8rem 1rem;box-shadow:var(--sh-lg);font-size:.85rem;line-height:1.35;animation:floaty 6s ease-in-out infinite}
.hero__badge b{font-family:var(--serif);font-size:1.5rem;color:var(--head);margin-right:.25rem}
@keyframes floaty{50%{transform:translateY(-6px)}}

.stats{background:var(--navy);color:#dfe5f0;padding:clamp(1.75rem,4vw,2.5rem) 0}
.stats__in{display:grid;grid-template-columns:repeat(5,1fr);gap:1rem;text-align:center}
.stat strong{display:block;font-family:var(--serif);font-weight:500;font-size:clamp(1.8rem,1.3rem + 2vw,2.6rem);color:#fff;line-height:1.1;font-variant-numeric:tabular-nums}
.stat span{font-size:.85rem;color:#b9c3d6}
.stat+.stat{border-left:1px solid rgba(255,255,255,.12)}

.mq{padding:1.6rem 0 1.4rem;border-bottom:1px solid var(--line);overflow:hidden}
.mq__l{text-align:center;padding:0 1rem;font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--faint);margin-bottom:.9rem}
.mq__view{display:flex;overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent);mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent)}
.mq__track{display:flex;flex-shrink:0;gap:3rem;padding:0 1.5rem;margin:0;list-style:none;animation:mq 38s linear infinite}
.mq__track li{font-family:var(--serif);font-size:1.25rem;color:var(--muted);white-space:nowrap}
.mq__view:hover .mq__track{animation-play-state:paused}
@keyframes mq{to{transform:translateX(-100%)}}

/* calculator v2 */
.calc2{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(1.25rem,3vw,2rem);align-items:stretch}
.calc2__in{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(1.25rem,3vw,2rem);display:flex;flex-direction:column;gap:1.4rem}
.cf__h{display:flex;justify-content:space-between;align-items:center;gap:1rem;margin-bottom:.55rem}
.cf label,.cf__lbl{font-size:.9rem;font-weight:600;color:var(--head);flex-direction:row;gap:.4rem}
.cf__lbl{display:block;margin-bottom:.55rem}
.cf label em{font-style:normal;color:var(--gold);font-weight:600}
.cf__box{display:flex;align-items:center;border:1px solid var(--line-2);border-radius:var(--r-sm);background:var(--bg);padding:0 .7rem;min-width:9.5rem}
.cf__box span{color:var(--faint);font-weight:500}
.cf__box input{border:0;background:transparent;padding:.55rem .35rem;width:100%;text-align:right;font-weight:600;font-variant-numeric:tabular-nums;box-shadow:none}
.cf__box:focus-within{border-color:var(--head);box-shadow:0 0 0 3px rgba(19,49,92,.15)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:99px;background:linear-gradient(90deg,var(--gold-2) var(--p,50%),var(--grey-2) var(--p,50%));padding:0;border:0;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--card);border:3px solid var(--navy);box-shadow:var(--sh);transition:transform .15s}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--card);border:3px solid var(--navy)}
input[type=range]:active::-webkit-slider-thumb{transform:scale(1.15)}
.pills{display:inline-flex;background:var(--grey);border-radius:99px;padding:4px;gap:4px}
.pills button{border:0;background:transparent;border-radius:99px;padding:.55rem 1.1rem;font:600 .9rem var(--sans);color:var(--muted);cursor:pointer;transition:background .2s,color .2s}
.pills button.is-on{background:var(--navy);color:#fff}
.cf__adv summary{cursor:pointer;font-weight:600;color:var(--head);font-size:.9rem}
.cf__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem;margin-top:1rem}
.cf__grid .cf__box{min-width:0}
.calc2__out{background:var(--navy);color:#dfe5f0;border-radius:var(--r-lg);padding:clamp(1.25rem,3vw,2rem);display:flex;flex-direction:column;gap:1rem}
.calc2__lbl{margin:0;font-size:.85rem;letter-spacing:.08em;text-transform:uppercase;color:#b9c3d6}
.calc2__pay{margin:0;font-family:var(--serif);font-size:clamp(2.6rem,2rem + 2.5vw,3.6rem);color:#fff;line-height:1;font-variant-numeric:tabular-nums}
.calc2__viz{display:grid;grid-template-columns:170px 1fr;gap:1.25rem;align-items:center}
.donut{width:170px;height:170px}
.donut circle{fill:none;stroke-width:24}
.donut__bg{stroke:rgba(255,255,255,.08)}
.donut__s{transform:rotate(-90deg);transform-origin:100px 100px;transition:stroke-dasharray .5s var(--ease),stroke-dashoffset .5s var(--ease)}
.donut__pi,.lg-pi{stroke:#fff;background:#fff}
.donut__t,.lg-t{stroke:var(--gold-2);background:var(--gold-2)}
.donut__i,.lg-i{stroke:#7fa3d4;background:#7fa3d4}
.donut__h,.lg-h{stroke:#b9a4d9;background:#b9a4d9}
.donut__k{fill:#b9c3d6;font-size:12px;font-family:var(--sans)}
.donut__v{fill:#fff;font-size:20px;font-family:var(--serif)}
.legend{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.55rem;font-size:.9rem}
.legend li{display:flex;align-items:center;gap:.55rem}
.legend i{width:10px;height:10px;border-radius:3px;flex-shrink:0}
.legend b{margin-left:auto;color:#fff;font-variant-numeric:tabular-nums}
.calc2__sum{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;border-top:1px solid rgba(255,255,255,.12);padding-top:1rem}
.calc2__sum span{display:block;font-size:.8rem;color:#b9c3d6}
.calc2__sum b{font-size:1.1rem;color:#fff}
.calc2__out .btn{align-self:flex-start}
.calc2__out .fine{color:#8f9bb2;margin:0}

/* band */
.pband{position:relative;min-height:440px;display:flex;align-items:center;color:#fff;overflow:hidden}
.pband>img{position:absolute;inset:0;width:100%;height:120%;object-fit:cover;top:-10%;will-change:transform}
.pband__scrim{position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,22,43,.9) 0%,rgba(7,22,43,.65) 50%,rgba(7,22,43,.2) 100%)}
.pband__in{position:relative;padding-top:4rem;padding-bottom:4rem;max-width:1240px}
.pband .eyebrow{color:var(--gold-2)}
.pband__q{font-family:var(--serif);font-size:var(--t-2xl);line-height:1.1;max-width:18ch;margin-bottom:.75rem}
.pband__s{max-width:52ch;color:#d7deea;font-size:var(--t-lg)}

/* prequal wizard */
.pq__in{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(2rem,5vw,4rem);align-items:start}
.pq .ticks .ico{color:var(--gold)}
.pq .cb__call a{color:var(--link)}
.pq__form{border:1px solid var(--line);box-shadow:var(--sh-lg)}
.pq__prog{margin-bottom:.5rem}
.pq__bar{height:6px;background:var(--grey-2);border-radius:99px;overflow:hidden}
.pq__bar i{display:block;height:100%;background:linear-gradient(90deg,var(--navy),var(--gold-2));border-radius:99px;transition:width .45s var(--ease)}
.pq__steps{display:flex;justify-content:space-between;list-style:none;padding:0;margin:.6rem 0 0;font-size:.8rem;color:var(--faint);counter-reset:s}
.pq__steps li{counter-increment:s}
.pq__steps li::before{content:counter(s) ". "}
.pq__steps li.is-on{color:var(--head);font-weight:600}
.pq__step{border:0;padding:0;margin:0;display:flex;flex-direction:column;gap:1rem;animation:stepin .35s var(--ease)}
.pq__step legend{font-family:var(--serif);font-size:var(--t-lg);color:var(--head);margin-bottom:1rem;padding:0}
@keyframes stepin{from{opacity:0;transform:translateX(12px)}}
.choices{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}
.choice{cursor:pointer;flex-direction:row;font-weight:400}
.choice input{position:absolute;opacity:0;pointer-events:none}
.choice>span{display:block;width:100%;padding:1rem 1.1rem;border:1.5px solid var(--line);border-radius:var(--r);transition:border-color .2s,background .2s,transform .2s var(--ease)}
.choice b{display:block;color:var(--head);font-size:1rem}
.choice small{color:var(--muted);font-size:.84rem}
.choice:hover>span{border-color:var(--line-2);transform:translateY(-1px)}
.choice input:checked+span{border-color:var(--gold);background:var(--gold-soft);box-shadow:inset 0 0 0 1px var(--gold)}
.choice input:focus-visible+span{outline:3px solid var(--gold-2);outline-offset:2px}
.pq__nav{display:flex;justify-content:space-between;gap:.75rem;margin-top:.5rem}
.pq__nav [data-next],.pq__nav [data-submit]{margin-left:auto}

/* cta strip */
.cta{background:linear-gradient(120deg,var(--navy) 0%,#13315c 100%);color:#dfe5f0;padding:clamp(2.5rem,5vw,3.5rem) 0}
.cta__in{display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap}
.cta h2{color:#fff;margin-bottom:.3rem}
.cta p{margin:0;color:#b9c3d6}

/* reveal */
.rv{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease);transition-delay:var(--d,0s)}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}.mq__track,.hero__badge{animation:none}.pq__step{animation:none}}

@media (max-width:960px){
  .calc2,.pq__in{grid-template-columns:1fr}
  .stats__in{grid-template-columns:repeat(3,1fr);row-gap:1.5rem}
  .stat:nth-child(4){border-left:0}
}
@media (max-width:560px){
  .stats__in{grid-template-columns:1fr 1fr}
  .stat:nth-child(3),.stat:nth-child(5){border-left:0}
  .stat:nth-child(5){grid-column:1/-1}
  .choices,.cf__grid{grid-template-columns:1fr}
  .calc2__viz{grid-template-columns:1fr;justify-items:center}
  .legend{width:100%}
  .hero__badge{left:10px;bottom:10px}
  .pband{min-height:380px}
  .cf__h{flex-wrap:wrap}
}
.hdr__in{gap:1.25rem}
.theme-t{width:36px;height:36px}
input[type=range]{min-height:0;height:6px;box-shadow:none}
.pq__step{min-width:0}
.pq__step[hidden]{display:none}
.choice{position:relative}.choice input{width:1px;height:1px;min-height:0;padding:0;left:8px;top:8px}
html,body{overflow-x:clip}
.pq__in>*,.calc2>*{min-width:0}
@media (max-width:480px){.theme-t{display:none}}
[hidden]{display:none!important}
@media (max-width:1440px){.hdr .hide-md{display:none}}

/* Approved original-media integration, September 2026. */
.brand-logo{display:block;width:268px;height:auto;object-fit:contain}
.brand-logo--dark{display:none}
[data-theme="dark"] .brand-logo--light{display:none}
[data-theme="dark"] .brand-logo--dark{display:block}
[data-theme="dark"] .brand-logo{filter:none}
.ftr .brand-logo{width:280px;max-width:100%}
.hero__img img{aspect-ratio:53/31;height:auto;object-position:center}
.housing-mark{width:64px;height:64px;object-fit:contain;float:left;margin:0 1rem .5rem 0;padding:4px;background:#fff;border-radius:4px}
.ftr__legal::after{content:"";display:block;clear:both}
.stats__in{grid-template-columns:repeat(4,1fr)}
.facts{grid-template-columns:repeat(3,1fr)}
.mega{left:auto;right:-480px}
@media(max-width:1280px){.mega{right:-420px}}
@media(max-width:860px){
  .brand-logo{width:240px}
  .hero__img{max-width:720px;width:100%;margin-inline:auto}
  .stats__in{grid-template-columns:repeat(2,1fr)}
  .stat:nth-child(3){border-left:0}
  .stat:nth-child(4){border-left:1px solid rgba(255,255,255,.12)}
}
@media(max-width:560px){
  .hdr__in{gap:.5rem}
  .hdr .brand-logo{width:200px}
  .hdr__cta{gap:0}
  .hdr__cta>.btn{display:none}
  .theme-t{display:grid;width:36px;height:36px}
  .burger{margin-left:0;flex-shrink:0}
  .facts{grid-template-columns:1fr}
}
@media(max-width:360px){.hdr .brand-logo{width:172px}}
.burger span{background:var(--head)}
.dhero__img img[src*="family-outside-home"]{aspect-ratio:2/1}
.dhero__img img[src*="dining-room-wide"]{aspect-ratio:1240/450}
.dhero__img img[src*="foreign-national"],.pbox img[src*="foreign-national"]{object-position:center 5%}

/* ===== brand v3: crisp vector mark + live wordmark ===== */
.brand{gap:.7rem;align-items:center;color:var(--head)}
.brand .mk{width:44px;height:44px;flex:none;display:block}
.mk__c{fill:var(--mk-c,#a3a0a0)}.mk__r{fill:var(--mk-r,#fff)}.mk__l{fill:var(--mk-l,#605f5f)}
.brand__t{display:flex;flex-direction:column;line-height:1}
.brand__n{font-family:var(--sans,Inter),system-ui,sans-serif;font-size:1.02rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--head);white-space:nowrap}
.brand__s{display:block!important;font-size:.58rem;font-weight:600;letter-spacing:.215em;text-transform:uppercase;color:var(--gold);margin-top:.38rem;white-space:nowrap}
[data-theme="dark"] .brand{--mk-c:#a3a0a0;--mk-l:#605f5f}
.brand--inv{--mk-c:#a3a0a0;--mk-l:#605f5f;color:#fff}
.brand--inv .brand__n{color:#fff}.brand--inv .brand__s{color:var(--gold-2)}
.ftr .brand .mk{width:52px;height:52px}.ftr .brand__n{font-size:1.15rem}
@media (max-width:1100px){.brand__n{font-size:.95rem;letter-spacing:.13em}.brand .mk{width:40px;height:40px}}
@media (max-width:480px){.hdr .brand__n{font-size:.84rem;letter-spacing:.1em}.hdr .brand__s{font-size:.5rem;letter-spacing:.16em}.hdr .brand .mk{width:34px;height:34px}.hdr .brand{gap:.5rem}}
@media (max-width:360px){.hdr .brand__s{display:none!important}}

/* ===== footer trust row ===== */
.trust{display:flex;flex-wrap:wrap;align-items:stretch;gap:.75rem;margin:0 0 1.5rem}
.trust__i{display:flex;align-items:center;gap:.6rem;background:#fff;color:#0b1f3a;border-radius:10px;padding:.55rem .85rem;text-decoration:none;min-height:64px;box-shadow:0 1px 0 rgba(255,255,255,.04)}
.trust__i:hover{box-shadow:0 0 0 2px var(--gold-2)}
.trust__ehl{padding:.45rem .7rem}.ehl{width:46px;height:52px;display:block}
.trust__bbb img{width:178px;height:auto;display:block}
.trust__g .gl{width:28px;height:28px}
.trust__g span{display:grid;grid-template-columns:auto auto;align-items:center;column-gap:.4rem;line-height:1.1}
.trust__g strong{font-size:1.15rem;color:#0b1f3a}.trust__g small{grid-column:1/-1;color:#56627a;font-size:.72rem}
.trust__nmls{flex-direction:column;justify-content:center;align-items:flex-start;gap:0;line-height:1.15}
.trust__nmls small{font-size:.68rem;letter-spacing:.08em;color:#56627a}.trust__nmls strong{font-size:1.05rem;color:#0b1f3a;letter-spacing:.04em}
.st{display:inline-flex;gap:1px;color:#f5b301}.st svg{width:15px;height:15px}
.ftr__ehl{font-size:.76rem;color:#7f8ba3}
.housing-mark{display:none}

/* ===== promise cards with client photos ===== */
.promise--img{padding:0;overflow:hidden;display:flex;flex-direction:column}
.promise__img{width:100%;aspect-ratio:4/3;object-fit:cover;display:block;transition:transform .5s var(--ease)}
.promise--img:hover .promise__img{transform:scale(1.04)}
.promise__b{padding:1.35rem 1.4rem 1.5rem;position:relative}
.promise--img .ico{position:absolute;top:-26px;left:1.2rem;width:52px;height:52px;padding:11px;border-radius:50%;background:var(--card);border:1px solid var(--line);box-shadow:var(--sh-lg);margin:0}
.promise--img h3{margin-top:1.1rem}

/* ===== inner page header with photo ===== */
.band--media .band__grid{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(1.5rem,4vw,3.5rem);align-items:center}
.band__fig{margin:0;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-lg);aspect-ratio:4/3}
.band__fig img{width:100%;height:100%;object-fit:cover;display:block}
@media (max-width:860px){.band--media .band__grid{grid-template-columns:1fr}.band__fig{aspect-ratio:16/9}}

/* ===== hero badge BBB line ===== */
.hero__badge small{display:block;font-size:.72rem;font-weight:600;color:var(--gold);letter-spacing:.04em;margin-top:.15rem}

/* ===== Google reviews slider ===== */
.gr{display:grid;grid-template-columns:300px minmax(0,1fr);gap:clamp(1.25rem,3vw,2rem);align-items:stretch}
.gr__sum{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.6rem;display:flex;flex-direction:column;gap:.6rem;box-shadow:var(--sh)}
.gr__brand{display:flex;align-items:center;gap:.55rem;font-weight:600;color:var(--head)}.gr__brand .gl{width:26px;height:26px}
.gr__score{display:flex;align-items:center;gap:.7rem}.gr__score strong{font-family:var(--serif);font-size:3.2rem;line-height:1;color:var(--head)}
.gr__score .st svg{width:22px;height:22px}
.gr__n{color:var(--muted);margin:0}
.gr__btns{display:flex;flex-direction:column;gap:.5rem;margin-top:.4rem}.gr__btns .btn{justify-content:center;width:100%}
.gr__bbb{margin-top:auto;display:flex;flex-direction:column;gap:.35rem;align-items:flex-start;background:#fff;border-radius:10px;padding:.7rem .8rem;border:1px solid var(--line);text-decoration:none}
.gr__bbb img{width:100%;max-width:220px;height:auto}.gr__bbb span{font-size:.75rem;color:#56627a}
.slider{position:relative;min-width:0;display:flex;flex-direction:column}
.slider__track{display:grid;grid-auto-flow:column;grid-auto-columns:calc((100% - 2.5rem)/3);gap:1.25rem;overflow-x:auto;scroll-snap-type:x mandatory;scroll-behavior:smooth;scrollbar-width:none;padding:.25rem .1rem 1rem;flex:1;outline:none}
.slider__track::-webkit-scrollbar{display:none}
.gcard{scroll-snap-align:start;background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.4rem;display:flex;flex-direction:column;gap:.7rem;transition:box-shadow .25s,transform .25s var(--ease)}
.gcard:hover{box-shadow:var(--sh-lg);transform:translateY(-3px)}
.gcard header{display:flex;align-items:center;gap:.7rem}
.gcard__av{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;color:#fff;font-weight:700;font-size:.95rem;flex:none}
.av0{background:#1a73e8}.av1{background:#b8863f}.av2{background:#0f7b6c}.av3{background:#8e44ad}.av4{background:#c0392b}
.gcard__who{display:flex;flex-direction:column;line-height:1.2;flex:1;min-width:0}.gcard__who strong{color:var(--head)}.gcard__who small{color:var(--muted);font-size:.78rem}
.gcard .gl{width:22px;height:22px;flex:none}
.gcard__t{margin:0;color:var(--ink);font-size:.97rem;line-height:1.6;display:-webkit-box;-webkit-line-clamp:7;-webkit-box-orient:vertical;overflow:hidden}
.gcard.is-open .gcard__t{-webkit-line-clamp:unset;display:block}
.gcard__more{align-self:flex-start;background:none;border:0;padding:0;color:var(--link);font-weight:600;cursor:pointer;font-size:.9rem}
.slider__nav,.tq__nav{display:flex;align-items:center;justify-content:center;gap:1rem;margin-top:.25rem}
.slider__btn{width:42px;height:42px;border-radius:50%;border:1px solid var(--line-2);background:var(--card);color:var(--head);display:grid;place-items:center;cursor:pointer;transition:background .2s,color .2s,border-color .2s}
.slider__btn svg{width:20px;height:20px}.slider__btn:hover{background:var(--head);color:var(--card);border-color:var(--head)}
.slider__dots{display:flex;gap:.45rem}
.slider__dots button{width:9px;height:9px;border-radius:99px;border:0;padding:0;background:var(--line-2);cursor:pointer;transition:width .3s var(--ease),background .3s}
.slider__dots button[aria-current="true"]{width:26px;background:var(--gold)}
@media (max-width:1100px){.slider__track{grid-auto-columns:calc((100% - 1.25rem)/2)}}
@media (max-width:860px){.gr{grid-template-columns:1fr}.gr__btns{flex-direction:row}.gr__bbb{margin-top:.4rem}}
@media (max-width:560px){.slider__track{grid-auto-columns:88%}.gr__btns{flex-direction:column}}

/* ===== testimonial feature ===== */
.tq{position:relative;margin-top:clamp(2.5rem,5vw,3.5rem);border-radius:var(--r-lg);overflow:hidden;color:#fff;min-height:420px;display:flex;align-items:center}
.tq__bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.tq__scrim{position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,22,43,.93) 0%,rgba(7,22,43,.8) 55%,rgba(7,22,43,.45) 100%)}
.tq__in{position:relative;padding:clamp(2rem,5vw,3.5rem);max-width:820px;width:100%}
.tq .eyebrow{color:var(--gold-2)}
.tq__mark{width:44px;height:33px;color:var(--gold-2);margin:.3rem 0 1rem}
.tq__slides{display:grid}
.tq__s{grid-area:1/1;margin:0;opacity:0;transform:translateY(10px);transition:opacity .6s var(--ease),transform .6s var(--ease);pointer-events:none}
.tq__s.is-on{opacity:1;transform:none;pointer-events:auto}
.tq__s blockquote{margin:0 0 1.3rem;font-family:var(--serif);font-size:clamp(1.2rem,2.2vw,1.6rem);line-height:1.45;color:#fff}
.tq__s figcaption{display:flex;flex-direction:column;gap:.15rem}.tq__s figcaption strong{color:#fff}.tq__s figcaption span{color:#b9c3d6;font-size:.9rem}
.tq__nav{justify-content:flex-start;margin-top:1.6rem}
.slider__btn--inv{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.3);color:#fff}.slider__btn--inv:hover{background:#fff;color:#0b1f3a;border-color:#fff}
.slider__dots--inv button{background:rgba(255,255,255,.35)}
@media (prefers-reduced-motion:reduce){.tq__s{transition:none}.slider__track{scroll-behavior:auto}}
.stats__in{grid-template-columns:repeat(5,1fr)}
@media (max-width:980px){.stats__in{grid-template-columns:repeat(3,1fr)}}
@media (max-width:560px){.stats__in{grid-template-columns:repeat(2,1fr)}.stats__in .stat:last-child{grid-column:1/-1}}
.trust__g span{grid-template-columns:auto max-content}.trust__g .st{flex-wrap:nowrap}.trust__g .st svg{width:13px;height:13px;flex:none}
.trust__g span{display:flex;flex-wrap:wrap;align-items:center;gap:.1rem .4rem;width:118px}.trust__g small{flex-basis:100%}
.why2__fam{object-position:84% 50%}
.team{margin:0}.why2 .team__img{aspect-ratio:808/501;object-fit:cover;box-shadow:var(--sh-lg)}
.team figcaption{margin-top:.6rem;font-size:.85rem;color:var(--muted);text-align:center}

.cinfo__hrs{margin-top:.75rem}.cinfo__hrs strong{font-weight:600}

/* Mobile menu: clean accordion with stacked, tappable sub-links */
.mnav{max-height:calc(100dvh - 76px);overscroll-behavior:contain;padding-bottom:env(safe-area-inset-bottom)}
.mnav .wrap>a{display:block}
.mnav details{border-bottom:1px solid var(--grey-2)}
.mnav summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:1rem;border-bottom:0;min-height:48px}
.mnav summary::-webkit-details-marker{display:none}
.mnav summary::after{content:"";width:9px;height:9px;flex:none;margin-right:4px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin-top:-5px;transition:transform .2s ease;opacity:.6}
.mnav details[open] summary::after{transform:rotate(-135deg);margin-top:4px}
.mnav details[open] summary{color:var(--head);font-weight:600}
.mnav details>.mnav__sub{display:block;margin:0 0 0 .25rem;padding:.7rem .5rem .7rem 1rem;border-left:2px solid var(--grey-2);font-size:.97rem;line-height:1.35;color:var(--ink)}
.mnav details>.mnav__sub:last-child{margin-bottom:.75rem}
.mnav details>.mnav__sub:active,.mnav details>.mnav__sub:hover{border-left-color:var(--gold);background:var(--grey)}
.mnav .btn{display:flex;justify-content:center;margin-top:1.25rem;margin-bottom:.5rem}
body:has(#mnav:not([hidden])) .ffc__fab{opacity:0;pointer-events:none}
.mnav .wrap>a.btn{display:flex;justify-content:center;align-items:center;text-align:center;color:#fff}
.ffc__av{background:#fff;padding:2px;box-shadow:0 0 0 1px rgba(255,255,255,.25)}
.ffc__av .ffc__mk{width:100%;height:100%;display:block;--mk-c:#a3a0a0;--mk-r:#fff;--mk-l:#605f5f}
/* Chat: start over, jump-to-latest, formatted replies */
.ffc__redo{margin-left:auto;background:rgba(255,255,255,.1);color:#fff;border:0;border-radius:50%;width:34px;height:34px;display:grid;place-items:center;cursor:pointer}
.ffc__redo[hidden]{display:none}
.ffc__redo:not([hidden])+.ffc__call{margin-left:.4rem}
.ffc__redo:hover,.ffc__call:hover,.ffc__close:hover{background:rgba(255,255,255,.2)}
.ffc__redo:focus-visible,.ffc__jump:focus-visible,.ffc__confirm button:focus-visible{outline:2px solid var(--gold,#b8863f);outline-offset:2px}
.ffc__body{position:relative;flex:1;min-height:0;display:flex;flex-direction:column}
.ffc__body .ffc__log{flex:1;min-height:0}
.ffc__jump{position:absolute;left:50%;bottom:12px;transform:translateX(-50%);width:38px;height:38px;border-radius:50%;border:1px solid var(--line);background:var(--card);color:var(--ink);display:grid;place-items:center;cursor:pointer;box-shadow:0 6px 18px rgba(11,31,58,.18);animation:ffcIn .18s ease-out}
.ffc__jump[hidden]{display:none}
@keyframes ffcIn{from{opacity:0;transform:translate(-50%,6px)}to{opacity:1;transform:translate(-50%,0)}}
.ffc__confirm{position:absolute;inset:0;z-index:2;background:rgba(11,31,58,.35);display:grid;place-items:center;padding:1.25rem}
.ffc__confirm[hidden]{display:none}
.ffc__confirm-card{background:var(--card);color:var(--ink);border:1px solid var(--line);border-radius:14px;padding:1.1rem 1.1rem 1rem;width:100%;max-width:300px;box-shadow:0 16px 40px rgba(11,31,58,.25)}
.ffc__confirm-card p{margin:0 0 1rem;font-size:.9rem;color:var(--muted);line-height:1.45}
.ffc__confirm-card strong{display:block;color:var(--ink);font-size:1rem;margin-bottom:.2rem}
.ffc__confirm-b{display:flex;gap:.5rem;justify-content:flex-end}
.ffc__confirm-b button{border-radius:999px;padding:.55rem 1rem;font:inherit;font-size:.88rem;font-weight:600;cursor:pointer;border:1px solid var(--line);background:transparent;color:var(--ink)}
.ffc__confirm-b .ffc__cf-yes{background:var(--navy);border-color:var(--navy);color:#fff}
.ffc__m--bot p{margin:0}
.ffc__m--bot p+p,.ffc__m--bot p+ul,.ffc__m--bot ul+p{margin-top:.55rem}
.ffc__m--bot ul{margin:.35rem 0 0;padding-left:1.1rem}
.ffc__m--bot li{margin:.15rem 0}
.ffc__m--bot li::marker{color:var(--gold,#b8863f)}
.ffc__a{color:inherit;font-weight:600;text-decoration:underline;text-decoration-color:var(--gold,#b8863f);text-underline-offset:2px;overflow-wrap:anywhere}
.ffc__tel{white-space:nowrap}
@media (prefers-reduced-motion:reduce){.ffc__jump{animation:none}}
.ffc__hd>div:nth-child(2){min-width:0}
.ffc__hd .ffc__mode{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.ffc__panel.is-confirm .ffc__chips,.ffc__panel.is-confirm .ffc__in,.ffc__panel.is-confirm .ffc__legal{opacity:.35;pointer-events:none;transition:opacity .15s}
/* Uniform bullet lists across the three "Is it right for you" boxes */
.fit__who .checks{display:grid;list-style:disc;padding-left:1.1rem;gap:.55rem;color:var(--muted)}
.fit__who .checks li{display:list-item;line-height:inherit}
.fit__who .checks li svg{display:none}
.cinfo__ico{display:inline-grid;place-items:center;width:52px;height:52px;margin:-.5rem 0 .4rem -.6rem;border-radius:50%;color:var(--gold);transition:background .15s}
.cinfo__ico .ico{margin:0}
.cinfo__ico:hover{background:var(--gold-soft)}
/* Home hero photo slider */
.hero__in{grid-template-columns:1fr 1.33fr;gap:clamp(1rem,1.5vw,1.25rem);align-items:stretch}.hero__in>.hero__img{align-self:stretch;display:flex}
.hs{position:relative;aspect-ratio:auto;height:100%;min-height:420px;width:100%;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-lg);background:var(--grey)}
.hero__img .hs__img{position:absolute;inset:0;width:100%;height:100%;aspect-ratio:auto;object-fit:cover;border-radius:0;box-shadow:none;opacity:0;transition:opacity .9s ease}
.hero__img .hs__img.is-on{opacity:1}
.hs__nav{position:absolute;top:50%;transform:translateY(-50%);z-index:2;width:40px;height:40px;border-radius:50%;border:0;background:rgba(255,255,255,.85);color:#0b1f3a;display:grid;place-items:center;cursor:pointer;box-shadow:0 4px 14px rgba(11,31,58,.18);opacity:.85;transition:opacity .2s,background .2s}
.hs__nav:hover,.hs__nav:focus-visible{opacity:1;background:#fff}
.hs__nav--p{left:12px}.hs__nav--n{right:12px}
.hs__dots{position:absolute;left:50%;bottom:14px;transform:translateX(-50%);z-index:2;display:flex;gap:8px;padding:6px 10px;border-radius:999px;background:rgba(11,31,58,.35);backdrop-filter:blur(4px)}
.hs__dot{width:9px;height:9px;padding:0;border-radius:50%;border:0;background:rgba(255,255,255,.55);cursor:pointer;transition:background .2s,transform .2s}
.hs__dot.is-on{background:#fff;transform:scale(1.25)}
.hs__dot:focus-visible,.hs__nav:focus-visible{outline:2px solid var(--gold-2);outline-offset:2px}
.hero__img .hero__badge{z-index:3}
@media (max-width:860px){.hero__in{grid-template-columns:1fr}.hero__in>.hero__img{display:block;margin-right:0}.hs{aspect-ratio:4/3;height:auto;min-height:0}.hs__nav{width:34px;height:34px}}
@media (prefers-reduced-motion:reduce){.hero__img .hs__img{transition:none}}

/* VA details and by-state pages */
.vaprose{max-width:820px}
.vaprose h3{margin-top:1.75rem}
.vaprose p{color:var(--muted)}
.vaprose__lead{font-size:var(--t-lg);color:var(--ink)!important}
.vaprose .topic__back{display:inline-block;margin-top:1rem}
.vajump{margin-top:1.75rem;max-width:520px}
.vajump__row{display:flex;gap:.75rem;margin-top:.4rem}
.vajump__row select{flex:1}
.vastates__h{margin-bottom:1.5rem}
.vastates{list-style:none;margin:0;padding:0;columns:4 12rem;column-gap:2rem}
.vastates li{break-inside:avoid;padding:.35rem 0;border-bottom:1px solid var(--line)}
.vastates a{display:block;padding:.3rem 0;color:var(--link);text-decoration:none;font-weight:500}
.vastates a:hover,.vastates a:focus-visible{text-decoration:underline}
.vastates__more{margin-top:2rem;color:var(--muted)}
.vastate{display:grid;grid-template-columns:minmax(0,860px);gap:clamp(2rem,5vw,4rem);align-items:start}
.vaagency{background:var(--card);border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:var(--r);padding:1.5rem;position:sticky;top:6rem}
.vaagency__k{font-size:.8rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 .4rem}
.vaagency__n{font-family:var(--serif);font-size:1.2rem;color:var(--head);margin:0 0 1rem}
.vaagency .btn{white-space:normal;text-align:center}
.vasrc{font-size:.85rem;white-space:nowrap}
.vaverified{font-size:.88rem;margin-top:2rem}
.vacards .lbox__d{flex:1}
.vacta .vacta__tel{color:#fff}
.vacta .vacta__tel:hover{background:rgba(255,255,255,.1)}
.vacta .vacta__btn{background:var(--gold-2);color:var(--navy)}
.vacta .vacta__btn:hover{background:#fff}
.vadisc{padding:1.75rem 0;border-top:1px solid var(--line)}
.vadisc p{max-width:900px;margin:0;font-size:.85rem;color:var(--muted)}
.vabtns{display:flex;flex-wrap:wrap;gap:.75rem;justify-content:center;margin-top:1.75rem}
@media (max-width:860px){.vastate{grid-template-columns:1fr}.vaagency{position:static}}
@media (max-width:560px){.vajump__row{flex-direction:column}.vabtns .btn{width:100%}}
.vawhat{max-width:1040px}
.vawhat h2{font-size:clamp(2rem,1.6rem + 1.6vw,2.75rem)}
.vawhat__lede{font-size:clamp(1.15rem,1.05rem + .4vw,1.35rem);line-height:1.6;color:var(--ink);max-width:62ch;margin-bottom:2rem}
.vawhat__cards{display:grid;grid-template-columns:repeat(2,1fr);gap:1.25rem}
.vawhat__card{padding:1.75rem;border:1px solid var(--line);border-radius:var(--r-lg);background:var(--card)}
.vawhat__card .ico{color:var(--gold);margin-bottom:.85rem}
.vawhat__card h3{font-size:clamp(1.3rem,1.2rem + .4vw,1.55rem);margin-bottom:.5rem}
.vawhat__card p{margin:0;font-size:1.08rem;line-height:1.55;color:var(--muted)}
.vawhat__note{text-align:center;margin:1.5rem 0 0;color:var(--muted)}
@media (max-width:640px){.vawhat__cards{grid-template-columns:1fr}}
.calc2__mi{margin:.5rem 0 0;font-size:.88rem;color:#d4dbe8}
.ftr__links a{color:inherit}

@media (min-width:1100px){.hero__in>.hero__img{margin-right:-2.5rem}}
@media (min-width:861px) and (max-width:1099px){.hero__in{align-items:center}.hero__in>.hero__img{align-self:center;display:block}.hs{height:auto;aspect-ratio:1/1;min-height:0}}

/* Desktop header: larger logo and links, shrinks on scroll (approved Oct 6) */
@media (min-width:1101px){
html{scroll-padding-top:104px}
.hdr .hdr__in,.hdr .brand .mk,.hdr .brand__n,.hdr .brand__s{transition:height .25s ease,width .25s ease,font-size .25s ease}
.hdr .hdr__in{max-width:none;padding-inline:clamp(1.25rem,2.5vw,3rem);height:124px;gap:clamp(.75rem,1.6vw,2rem)}
.hdr .brand .mk{width:clamp(58px,5.83vw,90px);height:clamp(58px,5.83vw,90px)}
.hdr .brand__n{font-size:clamp(1.1rem,2.15vw,2.1rem)}
.hdr .brand__s{font-size:clamp(.5rem,.97vw,.95rem)}
.hdr .nav{gap:clamp(0rem,.5vw,.6rem)}
.hdr .nav>a,.hdr .nav__ddbtn{font-size:clamp(.98rem,1.5vw,1.45rem);padding:.7rem clamp(.35rem,.6vw,.6rem)}
.hdr .hdr__cta .btn{font-size:clamp(.95rem,1.4vw,1.35rem);padding:clamp(.75rem,1.1vw,1.05rem) clamp(1.1rem,1.7vw,1.7rem)}
.hdr .theme-t{width:clamp(40px,3.5vw,52px);height:clamp(40px,3.5vw,52px)}
.hdr.is-scrolled .hdr__in{height:88px}
.hdr.is-scrolled .brand .mk{width:44px;height:44px}
.hdr.is-scrolled .brand__n{font-size:1.02rem}
.hdr.is-scrolled .brand__s{font-size:.58rem}
}
/* Desktop hero: carousel between full height and the suggested size; rating badge flush in the corner */
@media (min-width:1100px){
.hero__in{grid-template-columns:1fr 1.3fr;gap:clamp(2.5rem,4.5vw,4rem);align-items:center}
.hero__in>.hero__img{margin-right:0;align-self:center;display:block}
.hs{height:auto;min-height:0;aspect-ratio:6/5}
.hero__img .hero__badge{left:0;bottom:0;animation:none;border-radius:0 14px 0 var(--r-lg);border-width:0 1px 1px 0;box-shadow:4px -4px 18px rgba(11,31,58,.12)}
}
@media (prefers-reduced-motion:reduce){.hdr .hdr__in,.hdr .brand .mk,.hdr .brand__n,.hdr .brand__s{transition:none}}
/* Desktop: cap header spread on wide screens; larger Loan Programs dropdown text */
@media (min-width:1101px){
.hdr .hdr__in{max-width:1880px;margin-inline:auto}
.hdr .nav{margin-left:clamp(0rem,3vw - 2.5rem,1.25rem)}
.hdr .hdr__cta{margin-left:auto}
.mega{width:min(960px,92vw)}
.mega__h{font-size:.84rem}
.mega li a{font-size:1.04rem;padding:.35rem 0}
.mega__all{font-size:1.06rem}
}
@media (min-width:1101px) and (max-width:1879px){.hdr .hide-md{display:none}}

/* Best Rate Guarantee ticker: slim bar above the header (home) */
.brg{position:relative;z-index:51;background:linear-gradient(90deg,#06132a 0%,#0e2a4f 50%,#06132a 100%);color:#f5f8fd;overflow:hidden;box-shadow:inset 0 -1px 0 rgba(222,180,92,.6),0 1px 12px rgba(222,180,92,.12)}
.brg__link{display:block;color:inherit;text-decoration:none;padding:.4rem 0}
.brg__view{display:flex;overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent);mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent)}
.brg__track{display:flex;flex-shrink:0;align-items:center;gap:2.25rem;padding:0 1.125rem;margin:0;list-style:none;animation:mq 42s linear infinite}
.brg__track li{display:flex;align-items:center;gap:.6rem;white-space:nowrap;font:500 .78rem/1.5 var(--sans);letter-spacing:.09em;text-transform:uppercase;color:#f5f8fd;text-shadow:0 0 14px rgba(255,255,255,.28)}
.brg__track strong{font-weight:700;letter-spacing:.11em;color:#f3d48a;background:linear-gradient(100deg,#c9963b 0%,#f3d48a 30%,#fff6d8 50%,#f3d48a 70%,#c9963b 100%);background-size:220% auto;-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;text-shadow:none;filter:drop-shadow(0 0 6px rgba(243,212,138,.35));animation:brg-sheen 7s linear infinite}
.brg__ico{width:11px;height:11px;color:#eac56a;flex-shrink:0;filter:drop-shadow(0 0 4px rgba(234,197,106,.75))}
.brg__link:hover .brg__track,.brg__link:focus-visible .brg__track{animation-play-state:paused}
.brg__link:focus-visible{outline:2px solid #eac56a;outline-offset:-3px}
@keyframes brg-sheen{to{background-position:-220% center}}
[data-theme="dark"] .brg{background:linear-gradient(90deg,#030a15 0%,#0a1f3c 50%,#030a15 100%)}
@media (max-width:560px){.brg__link{padding:.34rem 0}.brg__track{gap:1.6rem}.brg__track li{font-size:.7rem;letter-spacing:.07em}}
@media (prefers-reduced-motion:reduce){.brg__track,.brg__track strong{animation:none}.brg__view{justify-content:center}.brg__track+.brg__track{display:none}}

/* Hero eyebrow larger, headline slightly smaller (desktop) */
@media (min-width:1100px){
.hero .hero__eyebrow{font-size:.99rem}
.hero h1{font-size:clamp(2.1rem,1.1rem + 2.3vw,3.2rem)}
.hero h1 .nw{white-space:nowrap}
}

/* Mobile/tablet header: larger logo and wordmark */
@media (max-width:1100px){
.hdr .hdr__in{height:78px}
.hdr .brand{gap:.75rem}
.hdr .brand .mk{width:54px;height:54px}
.hdr .brand__n{font-size:clamp(1rem,.62rem + 1.9vw,1.3rem);letter-spacing:.12em}
.hdr .brand__s{font-size:clamp(.56rem,.44rem + .6vw,.7rem);letter-spacing:.17em}
}
@media (max-width:560px){
.hdr .hdr__in{height:76px;gap:.5rem}
.hdr .brand .mk{width:52px;height:52px}
.hdr .brand{gap:.6rem}
.hdr .brand__n{font-size:clamp(.98rem,4.5vw,1.2rem);letter-spacing:.1em}
.hdr .brand__s{font-size:clamp(.52rem,1.95vw,.62rem);letter-spacing:.13em}
}

/* Client graphics on loan page heroes */
.dhero__img img[src*="lowest-rate-guarantee"]{aspect-ratio:16/10}
.dhero__img img[src*="bank-statement-loan"]{aspect-ratio:1082/1364;object-fit:contain;box-shadow:none;max-width:460px;margin-inline:auto;display:block}

/* Hero headline: upright Fraunces Bold, navy, reflective gold $1,000 */
.hero h1.hero__h{font-family:var(--serif);font-weight:700;font-optical-sizing:auto;color:var(--head);font-size:clamp(2.5rem,1.4rem + 3vw,4rem);line-height:1.04;letter-spacing:-.022em;margin-top:.28em;margin-bottom:.32em}
.hero h1.hero__h .l{display:block;white-space:nowrap}
.hero h1.hero__h .gl{--gp:34%;color:#d39a3a;background-image:linear-gradient(105deg,rgba(255,255,255,0) 43%,rgba(255,251,238,.5) 50%,rgba(255,255,255,0) 57%),linear-gradient(180deg,#f9e5a9 0%,#eec468 30%,#d19838 55%,#e3b458 80%,#f4d98f 100%);background-size:300% 100%,100% 100%;background-position:var(--gp) 50%,0 0;-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;filter:drop-shadow(0 1.5px 0 #a6752a) drop-shadow(0 4px 8px rgba(120,80,20,.22))}
@media(max-width:560px){.hero h1.hero__h{font-size:min(2.25rem,9.3vw)}}

.sec__h h2 .cnt{display:inline-block;font-variant-numeric:tabular-nums;min-width:5.6ch;text-align:center}
a[href^="https://wa.me/"]{white-space:nowrap}

/* WhatsApp QR: compact entry in the Call card + pop-up */
.waqr{display:flex;align-items:center;gap:.75rem;width:100%;margin-top:1rem;padding:.55rem .75rem .55rem .55rem;border:1px solid var(--line);border-radius:12px;background:var(--card);color:var(--head);font:inherit;text-align:left;cursor:pointer;transition:border-color .15s,box-shadow .15s,transform .15s}
.waqr img{flex:none;width:52px;height:52px;border-radius:6px;background:#fff;padding:3px;box-shadow:0 0 0 1px var(--line)}
.waqr__t{display:flex;flex-direction:column;gap:.1rem;min-width:0;flex:1}
.waqr__t strong{font:600 .92rem/1.25 var(--sans)}
.waqr__t small{font-size:.8rem;color:var(--muted)}
.waqr__ex{flex:none;color:var(--gold)}
.waqr:hover{border-color:var(--gold-2);box-shadow:0 6px 18px rgba(11,31,58,.08);transform:translateY(-1px)}
.waqr:focus-visible{outline:2px solid var(--gold-2);outline-offset:2px}
.qrdlg{border:0;padding:0;border-radius:20px;background:var(--card);color:var(--ink);width:min(520px,calc(100vw - 2rem));max-height:calc(100dvh - 2rem);box-shadow:0 30px 80px rgba(6,19,42,.35)}
.qrdlg::backdrop{background:rgba(6,19,42,.62);backdrop-filter:blur(3px)}
.qrdlg[open]{animation:qrIn .22s ease-out}
@keyframes qrIn{from{opacity:0;transform:translateY(12px) scale(.98)}to{opacity:1;transform:none}}
.qrdlg__in{position:relative;padding:2rem 2rem 1.75rem;text-align:center}
.qrdlg__in h2{font-size:1.6rem;margin:0 0 .4rem}
.qrdlg__in .eyebrow{margin-bottom:.4rem}
.qrdlg__sub{margin:0 auto 1.25rem;max-width:34ch;color:var(--muted)}
.qrdlg__qr{display:block;width:min(400px,100%);height:auto;margin:0 auto;border-radius:14px;background:#fff;padding:10px;box-shadow:0 0 0 1px var(--line)}
.qrdlg__num{margin:1rem 0 1.1rem;font:600 1.15rem/1.2 var(--sans);color:var(--head);letter-spacing:.01em}
.qrdlg__btns{display:flex;flex-wrap:wrap;gap:.6rem;justify-content:center}
.qrdlg__msg{min-height:1.2em;margin:.7rem 0 0;font-size:.85rem;color:var(--muted)}
.qrdlg__x{position:absolute;top:.75rem;right:.75rem;width:40px;height:40px;border-radius:50%;border:0;background:var(--grey);color:var(--head);display:grid;place-items:center;cursor:pointer}
.qrdlg__x:hover{background:var(--grey-2)}
.qrdlg__x:focus-visible{outline:2px solid var(--gold-2);outline-offset:2px}
@media(max-width:560px){
.qrdlg{width:100vw;max-width:100vw;max-height:94dvh;margin:auto 0 0;border-radius:22px 22px 0 0}
.qrdlg[open]{animation:qrUp .25s ease-out}
@keyframes qrUp{from{transform:translateY(40px);opacity:0}to{transform:none;opacity:1}}
.qrdlg__in{padding:1.6rem 1.25rem calc(1.25rem + env(safe-area-inset-bottom))}
.qrdlg__in h2{font-size:1.35rem;padding:0 2.2rem}
.qrdlg__qr{width:min(78vw,340px)}
.qrdlg__btns{flex-direction:column}
.qrdlg__btns .btn{width:100%}
}
@media (prefers-reduced-motion:reduce){.qrdlg[open]{animation:none}}
[data-theme="dark"] .qrdlg__qr,[data-theme="dark"] .waqr img{filter:none}

/* Reviews carousel: client review titles + compact progress for long carousels */
.gcard__h{margin:0;font:600 1.02rem/1.3 var(--serif);color:var(--head)}
.slider__dots--prog{align-items:center;gap:.75rem}
.slider__prog{position:relative;display:block;width:140px;height:4px;border-radius:99px;background:var(--line-2);overflow:hidden}
.slider__prog>span{position:absolute;left:0;top:0;bottom:0;border-radius:99px;background:var(--gold);transition:width .35s var(--ease)}
.slider__count{font:600 .8rem/1 var(--sans);color:var(--muted);min-width:4.5ch;text-align:left;font-variant-numeric:tabular-nums}
.slider__count{min-width:9ch}

/* Hero headline: satin navy (light) / white satin (dark) */

.hero h1.hero__h .l{background-image:linear-gradient(105deg,rgba(255,255,255,0) 40%,rgba(255,255,255,.22) 50%,rgba(255,255,255,0) 60%),linear-gradient(180deg,#2c4a78 0%,#0b1f3a 46%,#16325c 72%,#0b1f3a 100%);background-size:300% 100%,100% 100%;background-position:30% 50%,0 0;-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;filter:drop-shadow(0 1px 0 rgba(0,0,0,.18));width:fit-content}
.hero h1.hero__h .l .gl{-webkit-text-fill-color:transparent}
[data-theme="dark"] .hero h1.hero__h .l{background-image:linear-gradient(105deg,rgba(255,255,255,0) 40%,rgba(255,255,255,.5) 50%,rgba(255,255,255,0) 60%),linear-gradient(180deg,#ffffff 0%,#f4f6f9 45%,#dde2ea 62%,#ffffff 100%);filter:drop-shadow(0 1px 0 rgba(0,0,0,.35))}

.dbx{display:inline-flex;align-items:center;gap:.45rem;margin-top:.9rem;padding:.4rem .75rem .4rem .55rem;border:1px solid var(--line);border-radius:999px;background:var(--card);color:var(--head);font:600 .88rem/1 var(--sans);text-decoration:none;transition:border-color .15s,box-shadow .15s,transform .15s}
.dbx:hover{border-color:#0061FF;box-shadow:0 6px 18px rgba(0,97,255,.12);transform:translateY(-1px)}
.dbx:focus-visible{outline:2px solid #0061FF;outline-offset:2px}
.dbx svg{flex:none}

/* 2026-10-22 Lowest Rate Guarantee hero, blended with Andrew's artwork; original gray/white F logo */
:root:not([data-theme="dark"]) .hdr .brand__s{color:#c49a3e}
.hero{position:relative;overflow:hidden}
.hero__in{position:relative;z-index:1}
.hero__swoosh{position:absolute;inset:0;width:100%;height:100%;pointer-events:none;z-index:0}
.hero h1.hero__h.hero__h--lrg{font-family:"Montserrat",var(--sans,Inter),sans-serif;font-weight:900;text-transform:uppercase;letter-spacing:-.01em;line-height:.98;font-size:clamp(1.97rem,3.2vw,2.96rem);margin-bottom:1.1rem}
.hero h1.hero__h.hero__h--lrg .l{display:block;background:none;-webkit-text-fill-color:currentColor;color:#0b1f3a;filter:none;animation:none}
[data-theme="dark"] .hero h1.hero__h.hero__h--lrg .l{color:#fff}
.hero h1.hero__h.hero__h--lrg .l .gl{background:linear-gradient(180deg,#ffe08a 0%,#f5c242 45%,#d08e1c 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent;filter:drop-shadow(0 2px 0 rgba(140,90,10,.35)) drop-shadow(0 6px 14px rgba(245,180,40,.35));animation:none}
.hero h1.hero__h.hero__h--lrg::after{content:"";display:block;width:52%;height:2.5px;margin-top:.75rem;background:linear-gradient(90deg,rgba(233,181,60,0),#e9b53c 30%,#f5c242 70%,rgba(233,181,60,0))}
.hero .offer{display:inline-block;background:linear-gradient(180deg,#123a73,#0b1f3a);border:2.5px solid #e9b53c;border-radius:14px;padding:.75rem 1.1rem;color:#fff;font-family:"Montserrat",var(--sans,Inter),sans-serif;font-weight:700;font-size:clamp(1rem,1.2vw,1.11rem);line-height:1.3;box-shadow:0 10px 24px -12px rgba(11,31,58,.55),0 0 0 4px rgba(233,181,60,.12);margin:0 0 1.6rem;max-width:34rem}
.hero .offer b{color:#f5c242;font-weight:900;text-transform:uppercase;white-space:nowrap}
.hero .offer .nw{white-space:nowrap}
.hero .offer .big{font-size:1.35em;color:#f5c242;font-weight:900}
.hero .hs{box-shadow:0 22px 44px -22px rgba(11,31,58,.55),0 0 0 2px rgba(233,181,60,.55)}
@media(max-width:560px){.hero h1.hero__h.hero__h--lrg{font-size:8.65vw}.hero .offer{font-size:1rem}.hero .offer br{display:none}.hero__swoosh{display:none}}

/* 2026-10-22 Mobile hero/top-section tightening (phones only, <=560px): carousel under headline, corner-hugging rating badge, 2x2 quick boxes, 3+2 stats */
@media (max-width:560px){
.hero .hero__in{padding-top:1.4rem!important;padding-bottom:1.2rem!important;gap:0!important}
.hero .hero__eyebrow{font-size:.7rem!important;letter-spacing:.14em!important;margin:0 0 .55rem!important}
.hero h1.hero__h.hero__h--lrg{font-size:10.9vw!important;margin:0 0 .9rem!important;line-height:.96!important}
.hero h1.hero__h.hero__h--lrg::after{width:100%!important;margin-top:.6rem!important}
.hero .offer{display:block!important;width:100%!important;max-width:none!important;font-size:.98rem!important;padding:.8rem 1rem!important;margin:0 0 1rem!important;border-radius:12px!important}
.hero .hero__btns{display:grid!important;grid-template-columns:1fr 1fr!important;gap:.55rem!important;margin:0 0 .9rem!important}
.hero .hero__btns .btn{width:100%!important;min-height:46px!important;padding:.7rem .5rem!important;font-size:.9rem!important;white-space:nowrap!important;justify-content:center!important}
.hero .hero__trust{display:grid!important;grid-template-columns:repeat(3,1fr)!important;gap:.4rem!important;margin:0!important;padding:.65rem .3rem!important;border-top:1px solid rgba(11,31,58,.08);border-bottom:1px solid rgba(11,31,58,.08)}
.hero .hero__trust li{display:flex!important;flex-direction:column!important;align-items:center!important;text-align:center!important;gap:.25rem!important;font-size:.72rem!important;line-height:1.2!important;margin:0!important}
.hero .hero__trust li .ico{width:17px!important;height:17px!important;margin:0!important}
.hero .hero__img{margin-top:1rem!important}
.hero .hero__img .hero__badge{left:0!important;bottom:0!important;transform:none!important;animation:none!important;border-radius:0 12px 0 var(--r-lg)!important;border-width:0 1px 1px 0!important;box-shadow:4px -4px 14px rgba(11,31,58,.14)!important;padding:.5rem .8rem .55rem!important;font-size:.74rem!important;line-height:1.3!important}
.hero .hero__img .hero__badge b{font-size:1.15rem!important}
.hero .hero__img .hero__badge small{font-size:.6rem!important;margin-top:.05rem!important}
.hero .hs__dots{left:auto!important;right:12px!important;transform:none!important}
.hero__swoosh{display:none!important}
.quick{padding-top:.4rem!important;padding-bottom:1.3rem!important}
.quick .quick__grid{display:grid!important;grid-template-columns:1fr 1fr!important;gap:.6rem!important}
.quick .qbox{flex-direction:column!important;align-items:flex-start!important;gap:.45rem!important;padding:.85rem .85rem .9rem!important;min-height:0!important}
.quick .qbox svg{width:22px!important;height:22px!important}
.quick .qbox strong{font-size:1rem!important}
.quick .qbox small{font-size:.76rem!important;line-height:1.3!important}
.stats .stats__in{display:grid!important;grid-template-columns:repeat(6,1fr)!important;gap:1.1rem .4rem!important;padding-top:1.4rem!important;padding-bottom:1.4rem!important}
.stats .stat{grid-column:span 2!important;border:0!important;padding:0!important;text-align:center!important}
.stats .stat:nth-child(n+4){grid-column:span 3!important}
.stats .stat::before,.stats .stat::after{display:none!important}
.stats .stat strong{font-size:1.65rem!important}
.stats .stat span{font-size:.7rem!important;line-height:1.25!important;display:block!important}
.mq .mq__l{font-size:.62rem!important;letter-spacing:.14em!important;white-space:nowrap!important}
}
@media (max-width:560px){
.hero{padding-top:.4rem!important;padding-bottom:1rem!important}
.hero .hero__btns .btn{font-size:.84rem!important;padding:.7rem .35rem!important}
.quick{padding-top:.2rem!important}
.quick .qbox small{display:block!important;line-height:1.3!important;margin-top:.15rem!important}
.quick .qbox span{line-height:1.2!important}
}
@media (max-width:374px){.hero .hero__btns .btn{font-size:.78rem!important}.hero .offer{font-size:.92rem!important}}
@media (max-width:560px){
.hero .hero__in{display:flex!important;flex-direction:column!important}
.hero .hero__copy{display:contents!important}
.hero .hero__eyebrow{order:1}.hero h1.hero__h{order:2}
.hero .hero__img{order:3;margin:0 0 1rem!important;width:100%!important}
.hero .offer{order:4}.hero .hero__btns{order:5}.hero .hero__trust{order:6}
}
/* 2026-10-22 Hero swoosh: lighter + slow subtle motion (desktop/tablet; hidden on phones) */
.hero__swoosh{opacity:.34;animation:sw-drift 18s ease-in-out infinite alternate;will-change:transform,opacity}
.hero__glint{opacity:.55;stroke-dashoffset:1000;animation:sw-glint 14s linear infinite}
@keyframes sw-drift{0%{transform:translateY(0);opacity:.28}50%{opacity:.4}100%{transform:translateY(-12px);opacity:.3}}
@keyframes sw-glint{0%{stroke-dashoffset:1000}70%,100%{stroke-dashoffset:-100}}
@media (prefers-reduced-motion:reduce){.hero__swoosh{animation:none}.hero__glint{display:none}}