:root{--navy:#123a3f;--navy2:#1b5560;--gold:#e0a43a;--ink:#1d2433;--muted:#5b6475;--bg:#f5f7f6;--line:#e1e7e6}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:16px}
a{color:#17646f}a:hover{color:var(--navy)}
.wrap{max-width:1060px;margin:0 auto;padding:0 16px}
header.top{background:var(--navy);color:#fff;position:sticky;top:0;z-index:5}
.bar{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:10px 16px;flex-wrap:wrap}
.logo{color:#fff;text-decoration:none;font-weight:700;font-size:19px;white-space:nowrap}.logo span{color:var(--gold)}
nav.main{display:flex;gap:16px;flex-wrap:wrap}nav.main a{color:#d8ecec;text-decoration:none;font-size:14px}nav.main a:hover{color:#fff}
.callbtn{background:var(--gold);color:#13262a!important;font-weight:700;padding:9px 14px;border-radius:6px;text-decoration:none;white-space:nowrap}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:32px 0 28px}
.hero h1{margin:0 0 10px;font-size:30px;line-height:1.25}.hero p{margin:0;color:#d3e6e6;max-width:760px}
.crumbs{font-size:13px;color:#b7cfcf;margin-bottom:10px}.crumbs a{color:#e1f0f0}
main.wrap{padding-top:30px;padding-bottom:10px}
.grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:28px}
@media(max-width:860px){.grid{grid-template-columns:1fr}.hero h1{font-size:25px}}
article h2{color:var(--navy);font-size:22px;margin:30px 0 10px;line-height:1.3}article h3{font-size:18px;margin:20px 0 6px}
.answer{background:#fff;border-left:5px solid var(--gold);padding:16px 18px;border-radius:6px;margin:0 0 18px}
table.cmp{width:100%;border-collapse:collapse;background:#fff;font-size:15px;margin:10px 0 6px}
table.cmp th,table.cmp td{border:1px solid var(--line);padding:9px 10px;vertical-align:top;text-align:left}
table.cmp th{background:#eaf2f1;color:var(--navy)}table.cmp td:first-child{font-weight:700;width:30%;background:#fafcfc}
.card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:16px 18px;margin:0 0 14px}
.card h3{margin-top:0}.stats ul{margin:6px 0 0;padding-left:18px}
.cta{background:var(--navy);color:#fff;border-radius:8px;padding:20px 22px;margin:26px 0}
.cta p{margin:0 0 12px;color:#fff}.cta strong{color:#fff;font-size:19px;display:block;margin-bottom:6px}
.cta a.callbtn{display:inline-block;font-size:18px}
.side .cta{margin-top:0;position:sticky;top:80px}
.links{columns:2;column-gap:24px;padding-left:18px}.links.cols3{columns:3}@media(max-width:600px){.links,.links.cols3{columns:1}}
.links li{break-inside:avoid;margin:3px 0}
.badge{display:inline-block;font-size:12px;font-weight:700;padding:2px 8px;border-radius:12px;background:#e3f2e6;color:#1f6b2a;margin:0 6px 4px 0}
.badge.alt{background:#eaf2f1;color:var(--navy)}
.listing{background:#fff;border:1px solid var(--line);border-radius:8px;padding:12px 14px;margin:0 0 10px}
.listing h3{margin:0 0 4px;font-size:17px}.listing .meta{font-size:14px;color:var(--muted)}
.lcta{font-size:14px;margin-top:6px;border-top:1px dashed var(--line);padding-top:6px}.lcta a{font-weight:700}.lcta span{color:var(--muted);font-size:12px}
.nap{background:#fff;border:2px solid var(--navy);border-radius:8px;padding:18px}.nap h2{margin-top:0}
.faq h3{margin-bottom:4px}.faq p{margin-top:0}
.src{font-size:13px;color:var(--muted);margin:8px 0}.src li{word-break:break-word}
.note{font-size:13px;color:var(--muted)}
.pill{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:20px;padding:5px 12px;margin:0 6px 8px 0;text-decoration:none;font-size:14px}
footer{background:var(--navy);color:#b7cfcf;font-size:14px;padding:26px 0;margin-top:30px}
footer a{color:#fff}footer .cols{display:flex;gap:30px;flex-wrap:wrap;justify-content:space-between}
.herocard{width:100%;aspect-ratio:1200/630;max-height:300px;background:linear-gradient(135deg,var(--navy),var(--navy2));border-radius:8px;display:flex;flex-direction:column;justify-content:center;padding:6%;color:#fff;margin:0 0 18px;border-bottom:6px solid var(--gold)}
.herocard b{font-size:clamp(20px,3.6vw,34px);line-height:1.2}.herocard span{color:var(--gold);margin-top:14px;font-size:15px}
@media(max-width:700px){header.top{position:static}.bar{gap:8px;padding:8px 16px}.logo{font-size:17px}
nav.main{order:3;width:100%;flex-wrap:nowrap;overflow-x:auto;gap:14px;padding-bottom:4px;-webkit-overflow-scrolling:touch}nav.main a{white-space:nowrap}
.bar .callbtn{padding:7px 10px;font-size:14px}.hero{padding:22px 0 20px}}
.mcall{display:none}
@media(max-width:700px){.mcall{display:flex;flex-direction:column;align-items:center;position:fixed;left:0;right:0;bottom:0;z-index:20;background:var(--gold);color:#13262a;text-decoration:none;padding:10px 12px calc(10px + env(safe-area-inset-bottom));box-shadow:0 -2px 10px rgba(0,0,0,.25)}
.mcall b{font-size:18px}.mcall span{font-size:12px}body{padding-bottom:70px}}
/* mortgage additions */
nav.main{align-items:center}
details.dd{position:relative}details.dd summary{list-style:none;cursor:pointer;color:#d8ecec;font-size:14px;padding:4px 0}details.dd summary::-webkit-details-marker{display:none}
details.dd summary:after{content:" \25BE";font-size:11px}details.dd[open] summary,details.dd summary:hover{color:#fff}
.ddm{position:absolute;top:100%;left:0;background:#fff;border-radius:8px;box-shadow:0 8px 24px rgba(0,0,0,.18);padding:8px 0;min-width:230px;z-index:30}
.ddm a{display:block;color:var(--ink)!important;padding:7px 14px;font-size:14px;text-decoration:none}.ddm a:hover{background:#eef5f4}
a.ni{color:#d8ecec;text-decoration:none;font-size:14px}
@media(max-width:700px){nav.main{overflow:visible;flex-wrap:wrap;gap:6px 14px}.ddm{position:fixed;left:8px;right:8px;top:auto;min-width:0}}
.lender{display:flex;gap:14px;align-items:flex-start;border-top:1px solid rgba(255,255,255,.15);margin-top:18px;padding-top:16px;color:#d8e6e6}
.lender .eho{flex:0 0 auto;color:#fff}.lender p{margin:0;font-size:13px}
footer .note{color:#b9c3d6;font-size:12.5px}
.formbox{background:#fff;border:2px solid var(--gold);border-radius:8px;padding:18px;margin:26px 0}.formbox strong{font-size:19px;color:var(--navy)}
.formbox p{font-size:14px;color:var(--muted)}
.small{font-size:13px;margin:10px 0 0}.cta .small a{color:#fff}
.datagrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px;margin:12px 0}
.datagrid div{background:#fff;border:1px solid var(--line);border-radius:8px;padding:10px 12px}.datagrid b{display:block;font-size:20px;color:var(--navy)}.datagrid span{font-size:13px;color:var(--muted)}
.calc{background:#fff;border:1px solid var(--line);border-radius:8px;padding:18px}.calc label{display:block;font-weight:700;margin:10px 0 4px;font-size:14px}
.calc input,.calc select{width:100%;padding:9px;border:1px solid #c9d3d2;border-radius:6px;font-size:16px}
.calc button{margin-top:14px;background:var(--navy);color:#fff;border:0;border-radius:6px;padding:11px 18px;font-size:16px;cursor:pointer}
.result{background:#f4f8f7;border-left:5px solid var(--gold);padding:14px 16px;margin-top:16px;border-radius:6px}.result b{font-size:22px;color:var(--navy)}
.est{font-size:12.5px;color:var(--muted);margin-top:8px}
/* apply CTA + nav button */
.hbtns{display:flex;gap:10px;align-items:center}
.prebtn{border:2px solid var(--gold);color:#fff!important;font-weight:700;padding:7px 13px;border-radius:6px;text-decoration:none;white-space:nowrap}.prebtn:hover{background:rgba(224,164,58,.15)}
.btns{display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.applybtn{display:inline-block;background:#fff;color:var(--navy)!important;font-weight:700;padding:9px 16px;border-radius:6px;text-decoration:none;font-size:18px;border:2px solid #fff}
.applybtn:hover{background:#f3e3c4;border-color:#f3e3c4}
.side .btns{flex-direction:column;align-items:stretch;text-align:center}.side .applybtn{font-size:16px}
.applybox{margin:30px 0;border-radius:12px;overflow:hidden;box-shadow:0 6px 24px rgba(18,58,63,.14);background:#fff;border:1px solid var(--line)}
.applyhead{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:22px 24px 18px;border-bottom:5px solid var(--gold)}
.applyhead .eyebrow{display:inline-block;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);font-weight:700}
.applyhead strong{display:block;font-size:26px;line-height:1.2;margin:4px 0 6px}.applyhead p{margin:0 0 10px;color:#d6e8e8}
.ticks{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px 18px;font-size:14px}.ticks li:before{content:"\2713";color:var(--gold);font-weight:700;margin-right:6px}
.applyform{padding:16px 0;background:#fff;display:flex;justify-content:center}.applyform .lead-form{width:100%;max-width:760px;margin:0 auto}.applyform iframe{display:block}
.applyfoot{font-size:12.5px;color:var(--muted);padding:6px 20px 16px;margin:0}
.mbar{display:none}
@media(max-width:700px){.hbtns .prebtn{display:none}.mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:20;box-shadow:0 -2px 10px rgba(0,0,0,.25)}
.mbar a{flex:1;display:flex;flex-direction:column;align-items:center;text-decoration:none;padding:9px 6px calc(9px + env(safe-area-inset-bottom))}
.mcall2{background:var(--gold);color:#13262a}.mapply{background:var(--navy);color:#fff}.mbar b{font-size:16px}.mbar span{font-size:11.5px}body{padding-bottom:66px}.applyhead strong{font-size:22px}}
header.top .bar{max-width:1240px}
nav.main{gap:14px}
@media(max-width:1180px) and (min-width:701px){nav.main a.ni,details.dd summary{font-size:13px}nav.main{gap:10px}.hbtns .prebtn,.hbtns .callbtn{padding:7px 10px;font-size:14px}}
.wrap{max-width:1180px}header.top .bar{max-width:1240px}
@media(max-width:1180px) and (min-width:701px){.logo{font-size:16px}.hbtns .cw{display:none}nav.main{gap:9px}.hbtns{gap:6px}}
@media(max-width:900px) and (min-width:701px){nav.main{order:3;width:100%;justify-content:flex-start}}
.applyfallback{text-align:center;padding:18px 10px 6px}.applyfallback p{color:var(--ink);margin:0 0 12px}.callbtn.big{display:inline-block;font-size:20px;padding:12px 20px}