:root{
  --bg:#d8e2ec;--bg-mid:#cdd8e4;--bg-deep:#bccad8;--white:#fff;
  --navy:#1c3557;--navy-mid:#2d4f7c;--steel:#4a7baa;--steel-light:#6b9cc4;
  --steel-pale:#a8c4dc;--gold:#b8963e;--text:#1c3557;--text-mid:#3d5a7a;
  --text-soft:#6b85a0;--serif:'Cormorant Garamond',Georgia,serif;
  --sans:'DM Sans',system-ui,sans-serif;--radius-sm:12px;--radius-md:18px;
  --radius-lg:24px;--pill:999px;--shadow-sm:0 2px 12px rgba(28,53,87,.08);
  --shadow-md:0 8px 30px rgba(28,53,87,.12);--shadow-lg:0 18px 58px rgba(28,53,87,.18)
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--sans);line-height:1.7;-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%}
a{color:inherit}
:focus-visible{outline:3px solid var(--steel);outline-offset:3px}
.skip-link{position:absolute;top:12px;left:16px;z-index:1000;padding:10px 14px;border-radius:var(--radius-sm);background:var(--navy);color:#fff;text-decoration:none;transform:translateY(-180%)}
.skip-link:focus{transform:translateY(0)}
.site-nav{position:sticky;top:0;z-index:100;min-height:64px;padding:0 28px;display:flex;align-items:center;justify-content:space-between;gap:22px;background:rgba(216,226,236,.94);border-bottom:1px solid rgba(28,53,87,.08);backdrop-filter:blur(18px)}
.brand{display:flex;flex-direction:column;line-height:1.18;text-decoration:none;flex:0 0 auto}
.brand strong{font:500 1.05rem var(--serif);color:var(--navy)}
.brand span{font-size:.55rem;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:var(--steel)}
.nav-links{display:flex;align-items:center;justify-content:flex-end;gap:1px;list-style:none;margin:0;padding:0}
.nav-links a{display:block;padding:8px 9px;border-radius:var(--pill);font-size:.7rem;font-weight:600;text-decoration:none;white-space:nowrap;color:var(--text-mid)}
.nav-links a:hover,.nav-links a[aria-current="page"]{background:rgba(74,123,170,.13);color:var(--navy)}
.nav-links .contact-link{padding:9px 14px;background:var(--navy);color:#fff}
.nav-toggle{display:none;padding:10px;border:0;background:transparent;color:var(--navy);font:600 .8rem var(--sans);cursor:pointer}
.mobile-nav{display:none;position:fixed;top:64px;left:0;right:0;z-index:99;max-height:calc(100vh - 64px);overflow-y:auto;padding:12px 20px 20px;background:rgba(216,226,236,.98);border-bottom:1px solid rgba(28,53,87,.1);box-shadow:var(--shadow-md)}
.mobile-nav.open{display:grid}
.mobile-nav a{padding:11px 14px;border-radius:var(--radius-sm);font-size:.88rem;font-weight:600;text-decoration:none;color:var(--text-mid)}
.mobile-nav a:hover,.mobile-nav a[aria-current="page"]{background:rgba(74,123,170,.12);color:var(--navy)}
.page-hero{padding:92px 28px 78px;background:linear-gradient(145deg,var(--navy),#2d4f7c);color:#fff;overflow:hidden;position:relative}
.page-hero::after{content:'';position:absolute;width:360px;height:360px;border-radius:50%;right:-100px;bottom:-220px;background:rgba(168,196,220,.12)}
.hero-inner,.section-inner{width:min(1180px,100%);margin:0 auto}
.eyebrow{margin:0 0 12px;font-size:.65rem;font-weight:700;letter-spacing:.19em;text-transform:uppercase;color:var(--steel-pale)}
h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.12}
h1{max-width:820px;margin:0 0 20px;font-size:clamp(2.65rem,6vw,5rem);letter-spacing:-.025em}
.page-hero p{max-width:700px;margin:0;color:rgba(255,255,255,.76);font-size:clamp(.98rem,2vw,1.14rem)}
.hero-actions,.actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:30px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;padding:13px 23px;border:1px solid transparent;border-radius:var(--pill);font-size:.78rem;font-weight:700;letter-spacing:.025em;text-decoration:none;transition:transform .2s,box-shadow .2s,background .2s}
.btn:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.btn-primary{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-outline{border-color:rgba(255,255,255,.4);color:#fff}
.btn-soft{border-color:rgba(28,53,87,.16);background:rgba(255,255,255,.72);color:var(--navy)}
.section{padding:76px 28px}
.section.alt{background:var(--bg-mid)}
.section.white{background:#fff}
.section-head{max-width:730px;margin-bottom:38px}
.section-head .eyebrow{color:var(--steel)}
h2{margin:0 0 14px;font-size:clamp(2rem,4vw,3.25rem);color:var(--navy)}
h3{margin:0 0 10px;font-size:1.45rem;color:var(--navy)}
.lead{font-size:1.05rem;color:var(--text-mid)}
.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.card-grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{padding:28px;background:#fff;border:1px solid rgba(28,53,87,.08);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm)}
.card p{margin:0;color:var(--text-mid);font-size:.9rem}
.card p+p{margin-top:12px}
.card ul,.checklist{margin:14px 0 0;padding-left:20px;color:var(--text-mid)}
.card li,.checklist li{margin:7px 0}
.step-num{display:inline-grid;place-items:center;width:34px;height:34px;margin-bottom:18px;border-radius:50%;background:rgba(74,123,170,.12);color:var(--steel);font-weight:700}
.feature-band{padding:64px 28px;background:var(--navy);color:#fff}
.feature-band h2{color:#fff}
.feature-band p{max-width:680px;color:rgba(255,255,255,.7)}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,.8fr);gap:52px;align-items:center}
.portrait{width:100%;max-height:620px;object-fit:cover;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg)}
.resource-list{display:grid;gap:14px}
.resource{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 24px;border:1px solid rgba(28,53,87,.09);border-radius:var(--radius-md);background:#fff;text-decoration:none;box-shadow:var(--shadow-sm)}
.resource:hover{box-shadow:var(--shadow-md)}
.resource strong{display:block;font-family:var(--serif);font-size:1.25rem;color:var(--navy)}
.resource span{font-size:.78rem;color:var(--text-soft)}
.resource b{font-size:.78rem;color:var(--steel);white-space:nowrap}
.lender-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
.lender-card{display:grid;grid-template-columns:170px 1fr;overflow:hidden;background:#fff;border:1px solid rgba(28,53,87,.08);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);text-decoration:none}
.lender-card img{width:100%;height:100%;min-height:260px;object-fit:cover;object-position:top center}
.lender-body{padding:27px 24px}
.lender-body small{display:block;margin-bottom:12px;color:var(--steel);font-weight:700;text-transform:uppercase;letter-spacing:.08em}
.lender-body p{margin:0;color:var(--text-mid);font-size:.86rem}
.lender-body .link-text{display:inline-block;margin-top:18px;color:var(--steel);font-weight:700;font-size:.76rem}
/* Full-card lender links retain separate phone and email actions. */
.lender-card-linked{position:relative;grid-template-columns:170px minmax(0,1fr)}
.lender-card-linked .lender-body{min-width:0}
.lender-card-link::after{content:"";position:absolute;inset:0;z-index:1}
.lender-card-linked .lender-contact a:not(.lender-card-link){position:relative;z-index:2}
.lender-card-linked:hover{box-shadow:var(--shadow-md)}
.lender-card-linked:focus-within{outline:2px solid var(--steel);outline-offset:4px}
@media(min-width:761px){.lender-grid-centered{grid-template-columns:repeat(4,minmax(0,1fr))}.lender-grid-centered>.lender-card{grid-column:span 2}.lender-grid-centered>.lender-card:last-child:nth-child(odd){grid-column:2 / span 2}}
.lender-contact{display:flex;flex-direction:column;align-items:flex-start;gap:6px;margin-top:12px;font-size:.78rem}.lender-contact a{overflow-wrap:anywhere}.lender-contact .link-text{margin-top:6px}
.tabs-card{overflow:hidden;border:1px solid rgba(28,53,87,.09);border-radius:var(--radius-lg);background:#fff;box-shadow:var(--shadow-md)}
.tabs{display:grid;grid-template-columns:repeat(4,1fr);border-bottom:1px solid rgba(28,53,87,.1);background:rgba(216,226,236,.45)}
.tab{padding:18px 12px;border:0;border-right:1px solid rgba(28,53,87,.09);background:transparent;color:var(--text-mid);font:700 .78rem var(--sans);cursor:pointer}
.tab:last-child{border-right:0}
.tab[aria-selected="true"]{background:#fff;color:var(--navy);box-shadow:inset 0 3px var(--steel)}
.tab-panel{padding:34px}
.tab-panel[hidden]{display:none}
.tab-panel h3{font-size:1.9rem}
.tab-panel .summary{max-width:800px;color:var(--text-mid)}
.requirements{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 26px;margin:25px 0 0;padding:0;list-style:none}
.requirements li{position:relative;padding:0 0 0 24px;color:var(--text-mid);font-size:.9rem}
.requirements li::before{content:'✓';position:absolute;left:0;color:var(--steel);font-weight:800}
.notice{margin-top:24px;padding:16px 18px;border-radius:var(--radius-sm);background:rgba(74,123,170,.08);color:var(--text-mid);font-size:.82rem}
.source-links{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px}
.source-links a{font-size:.72rem;font-weight:700;color:var(--steel)}
.contact-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.contact-card{display:block;padding:30px;background:#fff;border-radius:var(--radius-lg);border:1px solid rgba(28,53,87,.08);text-decoration:none;box-shadow:var(--shadow-sm)}
.contact-card small{display:block;color:var(--steel);font-weight:700;text-transform:uppercase;letter-spacing:.1em}
.contact-card strong{display:block;margin-top:7px;font:500 1.55rem var(--serif);color:var(--navy);overflow-wrap:anywhere}
.review-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;align-items:start}
.review-shot{margin:0;padding:12px;background:#fff;border:1px solid rgba(28,53,87,.08);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm)}
.review-shot img{width:100%;height:auto;border-radius:12px}
.social-buttons{display:flex;flex-wrap:wrap;gap:10px}
.site-footer{padding:50px 28px 88px;background:var(--navy);color:rgba(255,255,255,.68)}
.footer-inner{width:min(1180px,100%);margin:0 auto;display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:38px}
.site-footer h2{font-size:1.5rem;color:#fff}
.site-footer p{margin:0;font-size:.82rem}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:8px 0}
.site-footer a{font-size:.8rem;color:rgba(255,255,255,.74);text-decoration:none}
.site-footer a:hover{color:#fff}
.footer-bottom{grid-column:1/-1;padding-top:26px;border-top:1px solid rgba(255,255,255,.1);font-size:.7rem}
.coming{min-height:calc(100vh - 64px);display:grid;place-items:center;padding:48px 28px;text-align:center;background:linear-gradient(145deg,var(--bg),var(--bg-mid))}
.coming-inner{max-width:760px}
.coming h1{color:var(--navy)}
.coming p{max-width:620px;margin:0 auto;color:var(--text-mid)}
@media(max-width:1120px){.nav-links{display:none}.nav-toggle{display:block}.card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.lender-card{grid-template-columns:145px 1fr}}
@media(max-width:760px){.site-nav{padding:0 16px}.page-hero{padding:70px 20px 58px}.section{padding:58px 18px}.split,.card-grid,.card-grid.two,.lender-grid,.contact-grid,.review-grid{grid-template-columns:1fr}.lender-card{grid-template-columns:120px 1fr}.lender-card img{min-height:250px}.requirements{grid-template-columns:1fr}.tabs{grid-template-columns:repeat(2,1fr)}.tab:nth-child(2){border-right:0}.tab:nth-child(-n+2){border-bottom:1px solid rgba(28,53,87,.09)}.tab-panel{padding:25px 20px}.footer-inner{grid-template-columns:1fr}.footer-bottom{grid-column:1}.resource{align-items:flex-start}.resource b{display:none}}
@media(max-width:460px){.brand span{display:none}.hero-actions,.actions,.social-buttons{flex-direction:column}.btn{width:100%}.lender-card{grid-template-columns:1fr}.lender-card img{height:260px}.card{padding:23px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}

.footer-credit-global{width:min(1180px,100%);margin:28px auto 0;padding:18px 28px 0;border-top:1px solid rgba(255,255,255,.1);font-size:.7rem;color:rgba(255,255,255,.48);text-align:center}.footer-credit-global a{font-size:inherit;color:rgba(255,255,255,.68);text-decoration:none}.footer-credit-global a:hover{color:#fff}.standalone-credit{text-align:center;padding:28px 24px 44px;font-size:.7rem;color:var(--text-soft)}.standalone-credit a{font-size:inherit;font-weight:600;color:var(--steel);text-decoration:none}.standalone-credit a:hover{color:var(--navy)}