/*! tailwindcss v4.2.1 | MIT License | https://tailwindcss.com */
@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.fixed{position:fixed}.relative{position:relative}.start{inset-inline-start:var(--spacing)}.hidden{display:none}.table{display:table}}:root{--ink:#102d2d;--ink-deep:#0b2424;--forest:#173f3c;--forest-soft:#315954;--cream:#f7f4ec;--paper:#fffdf8;--warm:#e8dfcf;--line:#d9d3c7;--gold:#d5a45a;--gold-light:#f0d8ad;--text:#183333;--muted:#64706d;--white:#fff;--serif:Georgia, "Times New Roman", serif;--sans:Arial, Helvetica, sans-serif;--shadow:0 28px 80px #102d2d24}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:112px}body{background:var(--paper);color:var(--text);font-family:var(--sans);-webkit-font-smoothing:antialiased;margin:0;font-size:16px;line-height:1.6}a{color:inherit;text-decoration:none}button,a,summary{-webkit-tap-highlight-color:transparent}img{max-width:100%;display:block}.shell{width:min(1180px,100% - 48px);margin-inline:auto}.section{padding:112px 0}.kicker{color:var(--forest-soft);letter-spacing:.16em;text-transform:uppercase;margin:0 0 16px;font-size:.72rem;font-weight:800}.kicker-light{color:var(--gold-light)}h1,h2,h3,p{margin-top:0}h1,h2{font-family:var(--serif);letter-spacing:-.045em;font-weight:500;line-height:1.01}h2{margin-bottom:0;font-size:clamp(2.65rem,5vw,4.8rem)}h3{line-height:1.2}.utility-bar{background:var(--ink-deep);color:#ffffffbd;font-size:.75rem}.utility-inner{justify-content:space-between;align-items:center;gap:24px;min-height:36px;display:flex}.utility-inner p{margin:0}.utility-links{align-items:center;gap:12px;display:flex}.utility-links a:hover{color:var(--white)}.site-header{z-index:50;position:sticky;top:0;box-shadow:0 1px #102d2d1a}.nav{background:#fffdf8f5;justify-content:space-between;align-items:center;gap:32px;min-height:78px;display:flex}.nav:before{content:"";z-index:-1;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);background:#fffdf8f5;position:absolute;inset:36px 0 0}.brand{align-items:center;gap:12px;display:inline-flex}.brand-mark{border:1px solid var(--gold);background:var(--ink);width:39px;height:39px;color:var(--gold-light);font-family:var(--serif);border-radius:50% 50% 46% 46%;place-items:center;font-size:1.35rem;font-style:italic;display:grid}.brand-copy{flex-direction:column;line-height:1.1;display:flex}.brand-copy strong{color:var(--ink);letter-spacing:.13em;font-size:.93rem}.brand-copy small{color:var(--muted);letter-spacing:.07em;text-transform:uppercase;margin-top:5px;font-size:.62rem}.desktop-nav{color:#3e5350;align-items:center;gap:28px;margin-left:auto;font-size:.84rem;font-weight:700;display:flex}.desktop-nav a{padding:28px 0 26px;position:relative}.desktop-nav a:after{content:"";background:var(--gold);transform-origin:100%;height:1px;transition:transform .18s;position:absolute;bottom:19px;left:0;right:0;transform:scaleX(0)}.desktop-nav a:hover:after{transform-origin:0;transform:scaleX(1)}.desktop-nav .nav-partner-link{background:var(--gold);color:var(--ink-deep);border:1px solid #c9913f;border-radius:5px;align-items:center;gap:7px;padding:10px 16px;transition:transform .18s,background .18s,box-shadow .18s;display:inline-flex;box-shadow:0 7px 18px #b77b392e}.desktop-nav .nav-partner-link:after{display:none}.desktop-nav .nav-partner-link>span{font-size:.66rem;line-height:1}.desktop-nav .nav-partner-link:hover{background:#e0b56f;transform:translateY(-1px);box-shadow:0 9px 23px #b77b3940}.desktop-nav .nav-partner-link:focus-visible{outline:2px solid var(--ink);outline-offset:3px}.button{letter-spacing:.015em;border:1px solid #0000;justify-content:center;align-items:center;gap:12px;min-height:53px;padding:0 24px;font-size:.82rem;font-weight:800;transition:transform .18s,background .18s,color .18s,border-color .18s;display:inline-flex}.button:hover{transform:translateY(-2px)}.button-small{min-height:44px;padding-inline:19px;font-size:.76rem}.button-primary{background:var(--gold);color:var(--ink-deep)}.button-primary:hover{background:#e0b56f}.button-dark{background:var(--ink);color:var(--white)}.button-dark:hover{background:var(--forest-soft)}.button-light{background:var(--cream);color:var(--ink)}.button-light:hover{background:var(--white)}.button-ghost{color:var(--ink);border-color:#102d2d4d}.button-ghost:hover{border-color:var(--ink);background:#ffffff73}.button-outline{border-color:var(--ink);color:var(--ink)}.button-clear{color:var(--white);border-color:#ffffff8c}.mobile-menu{display:none;position:relative}.hero{background:var(--cream);position:relative;overflow:hidden}.hero-grid{grid-template-columns:minmax(0,1.04fr) minmax(400px,.96fr);align-items:center;gap:68px;min-height:700px;padding-top:64px;padding-bottom:58px;display:grid}.hero-copy{z-index:2;position:relative}.eyebrow-line{align-items:center;gap:13px;margin-bottom:26px;display:flex}.eyebrow-line span{background:var(--gold);width:30px;height:1px}.eyebrow-line p{color:var(--forest-soft);letter-spacing:.13em;text-transform:uppercase;margin:0;font-size:.7rem;font-weight:800}.hero h1{max-width:700px;color:var(--ink);margin-bottom:26px;font-size:clamp(4rem,6.1vw,6.9rem)}.hero-lede{color:#4f6460;max-width:610px;margin-bottom:34px;font-size:1.12rem;line-height:1.75}.hero-actions{flex-wrap:wrap;gap:12px;display:flex}.hero-review{color:var(--forest-soft);flex-wrap:wrap;align-items:center;gap:14px;margin-top:32px;font-size:.83rem;display:flex}.hero-review a{border-bottom:1px solid #102d2d47}.stars{color:#b47a21;letter-spacing:.08em;font-size:.9rem}.stars-dark{color:var(--gold)}.hero-identity{color:#75827f;letter-spacing:.045em;text-transform:uppercase;margin:15px 0 0;font-size:.7rem}.hero-visual{z-index:1;align-self:stretch;align-items:flex-end;display:flex;position:relative}.portrait-frame{filter:drop-shadow(0 24px 35px #102d2d24);width:100%;max-width:505px;margin:0 auto;position:relative}.portrait-frame img{z-index:2;object-fit:cover;object-position:center top;border-radius:240px 240px 18px 18px;width:100%;height:610px;position:relative}.portrait-shape{z-index:1;border:1px solid #d5a45ab8;border-radius:250px 250px 22px 22px;position:absolute;inset:-18px 22px 16px -18px}.portrait-card{z-index:3;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);background:#fffdf8f0;align-items:center;gap:12px;display:flex;position:absolute;box-shadow:0 18px 45px #102d2d29}.portrait-card small,.portrait-card strong{display:block}.portrait-card small{color:var(--muted);letter-spacing:.06em;text-transform:uppercase;font-size:.62rem}.portrait-card strong{color:var(--ink);font-size:.84rem}.portrait-card-bottom{min-width:130px;padding:15px 20px;display:block;bottom:36px;right:-24px}.portrait-card-bottom strong{font-family:var(--serif);margin-top:2px;font-size:1.8rem;font-weight:500}.hero-orb{pointer-events:none;border-radius:50%;position:absolute}.hero-orb-one{border:1px solid #d5a45a66;width:300px;height:300px;top:60px;right:-130px}.hero-orb-two{background:#d5a45a14;width:180px;height:180px;bottom:-120px;right:40%}.proof-strip{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.proof-grid{grid-template-columns:repeat(4,1fr);display:grid}.proof-grid>div{text-align:center;border-right:1px solid var(--line);flex-direction:column;justify-content:center;align-items:center;min-height:142px;padding:24px 30px;display:flex}.proof-grid>div:first-child{border-left:1px solid var(--line)}.proof-grid strong{color:var(--ink);font-family:var(--serif);font-size:2.45rem;font-weight:500;line-height:1.1}.proof-grid span{color:var(--muted);letter-spacing:.095em;text-transform:uppercase;margin-top:8px;font-size:.67rem;font-weight:700}.proof-review-link{flex-direction:column;justify-content:center;align-items:center;width:100%;display:flex}.proof-review-link:hover strong{color:var(--forest-soft)}.section-heading{margin-bottom:58px}.heading-split{grid-template-columns:1.15fr .6fr;align-items:end;gap:60px;display:grid}.heading-split>p,.heading-center>p{color:var(--muted);margin:0;line-height:1.75}.pathways{background:var(--paper)}.pathway-grid{border-top:1px solid var(--line);border-left:1px solid var(--line);grid-template-columns:repeat(4,1fr);display:grid}.pathway-card{border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--paper);flex-direction:column;min-height:395px;padding:30px 27px;transition:background .18s,transform .18s,box-shadow .18s;display:flex}.pathway-card:hover{z-index:1;background:var(--cream);box-shadow:var(--shadow);transform:translateY(-8px)}.pathway-top{justify-content:space-between;align-items:center;margin-bottom:50px;display:flex}.pathway-number{color:#a69f91;font-family:var(--serif);font-size:1rem}.round-arrow{border:1px solid var(--line);border-radius:50%;place-items:center;width:38px;height:38px;transition:background .18s,color .18s;display:grid}.pathway-card:hover .round-arrow{background:var(--ink);color:var(--white)}.card-eyebrow{color:var(--forest-soft);letter-spacing:.12em;text-transform:uppercase;margin-bottom:12px;font-size:.68rem;font-weight:800}.pathway-card h3{color:var(--ink);font-family:var(--serif);margin-bottom:16px;font-size:1.85rem;font-weight:500}.pathway-card>p:not(.card-eyebrow){color:var(--muted);margin-bottom:25px;font-size:.92rem;line-height:1.75}.text-link{color:var(--ink);text-decoration:underline;-webkit-text-decoration-color:var(--gold);-webkit-text-decoration-color:var(--gold);-webkit-text-decoration-color:var(--gold);text-decoration-color:var(--gold);text-underline-offset:5px;margin-top:auto;font-size:.78rem;font-weight:800}.section-dark{background:var(--ink);color:var(--white)}.difference{position:relative;overflow:hidden}.difference:after{content:"";border:1px solid #d5a45a33;border-radius:50%;width:560px;height:560px;position:absolute;bottom:-340px;right:-260px}.difference-grid{grid-template-columns:1fr .85fr;align-items:center;gap:100px;display:grid}.difference-copy h2{max-width:680px;margin-bottom:34px;font-size:clamp(2.8rem,5vw,5.15rem)}.difference-copy>p:not(.kicker){color:#ffffffb8;max-width:610px;font-size:1rem;line-height:1.82}.difference-actions{flex-wrap:wrap;align-items:center;gap:24px;margin-top:34px;display:flex}.plain-link{color:var(--gold-light);border-bottom:1px solid #f0d8ad80;font-size:.8rem;font-weight:700}.promise-card{z-index:1;background:#ffffff0b;border:1px solid #ffffff24;padding:40px;position:relative}.promise-label{color:var(--gold-light);letter-spacing:.14em;margin-bottom:25px;font-size:.68rem;font-weight:800}.promise-item{border-top:1px solid #ffffff1f;grid-template-columns:37px 1fr;gap:15px;padding:22px 0;display:grid}.promise-item>span{color:#ffffff59;font-family:var(--serif);font-size:.83rem}.promise-item h3{font-family:var(--serif);margin-bottom:4px;font-size:1.32rem;font-weight:500}.promise-item p{color:#ffffff9e;margin:0;font-size:.83rem;line-height:1.65}.programs{background:var(--cream)}.heading-center{text-align:center;max-width:820px;margin-left:auto;margin-right:auto}.heading-center h2{margin-bottom:22px}.program-grid{grid-template-columns:repeat(3,1fr);gap:16px;display:grid}.program-card{border:1px solid var(--line);background:var(--paper);flex-direction:column;min-height:285px;padding:34px;transition:transform .18s,box-shadow .18s;display:flex}.program-card:hover{transform:translateY(-5px);box-shadow:0 20px 60px #102d2d1a}.program-tag{border:1px solid var(--gold);width:fit-content;color:var(--forest-soft);letter-spacing:.14em;margin-bottom:40px;padding:5px 8px;font-size:.58rem;font-weight:800}.program-card h3{color:var(--ink);font-family:var(--serif);margin-bottom:12px;font-size:1.72rem;font-weight:500}.program-card p{color:var(--muted);margin-bottom:24px;font-size:.86rem;line-height:1.72}.program-card a{color:var(--ink);margin-top:auto;font-size:.75rem;font-weight:800}.refi-note{background:var(--warm);grid-template-columns:1fr .8fr auto;align-items:center;gap:38px;margin-top:16px;padding:34px 38px;display:grid}.refi-note h3{color:var(--ink);font-family:var(--serif);margin:0;font-size:1.5rem;font-weight:500}.refi-note>p{color:#52625f;margin:0;font-size:.84rem}.calculator{background:var(--warm);overflow:hidden}.calculator-heading{grid-template-columns:1fr .62fr;align-items:end;gap:70px;margin-bottom:52px;display:grid}.calculator-heading h2{max-width:720px}.calculator-heading>div:first-child>p:last-child{color:#52625f;max-width:610px;margin:24px 0 0;line-height:1.75}.calculator-no-quote{background:#fffdf87a;border:1px solid #102d2d29;align-items:flex-start;gap:14px;padding:22px 24px;display:flex}.calculator-no-quote>span{background:var(--ink);width:27px;height:27px;color:var(--gold-light);border-radius:50%;flex:none;place-items:center;font-size:.72rem;display:grid}.calculator-no-quote p{color:#52625f;margin:0;font-size:.8rem;line-height:1.65}.calculator-no-quote strong{color:var(--ink)}.calculator-shell{box-shadow:var(--shadow);grid-template-columns:minmax(0,1.18fr) minmax(340px,.82fr);align-items:stretch;display:grid}.calculator-inputs{background:var(--paper);padding:46px}.calculator-results{background:var(--ink);color:var(--white);flex-direction:column;padding:46px 42px;display:flex}.calculator-panel-title{align-items:center;gap:15px;margin-bottom:34px;display:flex}.calculator-panel-title>span{border:1px solid var(--gold);width:37px;height:37px;color:var(--forest-soft);font-family:var(--serif);border-radius:50%;flex:none;place-items:center;font-size:.78rem;display:grid}.calculator-panel-title h3{color:var(--ink);font-family:var(--serif);margin:0 0 3px;font-size:1.5rem;font-weight:500}.calculator-panel-title p{color:var(--muted);margin:0;font-size:.7rem}.calculator-panel-title-light>span{color:var(--gold-light)}.calculator-panel-title-light h3{color:var(--white)}.calculator-panel-title-light p{color:#ffffff85}.calc-control-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;display:grid}.calc-control{border:1px solid var(--line);background:var(--cream);min-width:0;padding:20px}.calc-control-grid .calc-control:last-child{grid-column:1/-1}.calc-label-row{justify-content:space-between;align-items:center;gap:12px;min-height:28px;margin-bottom:12px;display:flex}.calc-label-row>label{color:var(--ink);letter-spacing:.035em;font-size:.72rem;font-weight:800}.calc-label-row>span{border:1px solid var(--line);width:20px;height:20px;color:var(--muted);cursor:help;border-radius:50%;place-items:center;font-size:.65rem;display:grid}.calc-input-row{border:1px solid var(--line);background:var(--paper);grid-template-columns:auto minmax(0,1fr) auto 39px 39px;align-items:center;min-height:49px;display:grid}.calc-input-row input{width:100%;min-width:0;height:47px;color:var(--ink);font:700 .92rem var(--sans);background:0 0;border:0;outline:0;padding:0 9px}.calc-input-row input:focus{box-shadow:inset 0 -2px var(--gold)}.calc-input-row input::-webkit-inner-spin-button{appearance:none;margin:0}.calc-cost-field input::-webkit-inner-spin-button{appearance:none;margin:0}.calc-affix{color:var(--muted);padding-inline:11px 2px;font-size:.78rem;font-weight:700}.calc-suffix{padding:0 10px 0 2px}.calc-input-row button{border:0;border-left:1px solid var(--line);width:39px;height:47px;color:var(--ink);cursor:pointer;background:0 0;font-size:1rem}.calc-input-row button:hover{background:var(--warm)}.calc-rate-input{grid-template-columns:minmax(0,1fr) auto}.calc-rate-input input{padding-left:14px}.calc-range{appearance:none;width:100%;height:4px;accent-color:var(--gold);cursor:pointer;background:#d8d4cb;border-radius:999px;margin:21px 0 5px}.calc-range::-webkit-slider-thumb{appearance:none;border:4px solid var(--paper);background:var(--gold);width:18px;height:18px;box-shadow:0 0 0 1px var(--gold);border-radius:50%}.calc-range::-moz-range-thumb{border:4px solid var(--paper);background:var(--gold);width:11px;height:11px;box-shadow:0 0 0 1px var(--gold);border-radius:50%}.calc-range:disabled{opacity:.38;cursor:not-allowed}.calc-quick-values{grid-template-columns:repeat(3,1fr);gap:6px;margin-top:12px;display:grid}.calc-quick-values button{border:1px solid var(--line);min-height:34px;color:var(--muted);font:700 .64rem var(--sans);cursor:pointer;background:0 0}.calc-quick-values button:hover,.calc-quick-values button.is-active{border-color:var(--ink);background:var(--ink);color:var(--white)}.calc-field-note{color:var(--muted);margin:10px 0 0;font-size:.66rem;line-height:1.5}.calc-field-note strong{color:var(--ink)}.calc-mode-toggle{border:1px solid var(--line);border-radius:999px;display:inline-flex;overflow:hidden}.calc-mode-toggle button{width:34px;height:25px;color:var(--muted);font:800 .68rem var(--sans);cursor:pointer;background:0 0;border:0}.calc-mode-toggle button.is-active{background:var(--ink);color:var(--white)}.calc-cost-toggle{border:1px solid var(--line);background:var(--paper);width:100%;color:var(--ink);text-align:left;cursor:pointer;align-items:center;gap:14px;margin-top:18px;padding:18px 20px;display:flex}.calc-cost-toggle>span{background:var(--ink);width:28px;height:28px;color:var(--gold-light);border-radius:50%;flex:none;place-items:center;display:grid}.calc-cost-toggle strong,.calc-cost-toggle small{display:block}.calc-cost-toggle strong{margin-bottom:3px;font-size:.76rem}.calc-cost-toggle small{color:var(--muted);font-size:.65rem}.calc-cost-toggle:hover{border-color:var(--gold)}.calc-cost-grid{border:solid var(--line);background:var(--cream);border-width:0 1px 1px;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;padding:18px;display:grid}.calc-cost-field>span{color:var(--ink);margin-bottom:7px;font-size:.66rem;font-weight:800;display:block}.calc-cost-field>div{border:1px solid var(--line);background:var(--paper);grid-template-columns:auto minmax(0,1fr) auto;align-items:center;min-height:43px;display:grid}.calc-cost-field>div>span{color:var(--muted);padding-left:10px;font-size:.7rem}.calc-cost-field input{width:100%;min-width:0;height:41px;color:var(--ink);font:700 .8rem var(--sans);background:0 0;border:0;outline:0;padding:0 7px}.calc-cost-field small{color:var(--muted);white-space:nowrap;padding-right:9px;font-size:.56rem}.calc-payment-hero{border-bottom:1px solid #ffffff24;padding-bottom:30px}.calc-payment-hero p{color:#fff9;letter-spacing:.06em;text-transform:uppercase;margin-bottom:6px;font-size:.72rem;font-weight:700}.calc-payment-hero>strong{color:var(--white);font-family:var(--serif);letter-spacing:-.04em;font-size:clamp(3.4rem,5vw,5.2rem);font-weight:500;line-height:1;display:block}.calc-payment-hero>span{color:#ffffff80;margin-top:10px;font-size:.66rem;line-height:1.5;display:block}.calc-chart-row{border-bottom:1px solid #ffffff24;grid-template-columns:170px 1fr;align-items:center;gap:28px;padding:32px 0;display:grid}.calc-donut{border-radius:50%;place-items:center;width:168px;height:168px;padding:20px;display:grid}.calc-donut>div{background:var(--ink);text-align:center;border-radius:50%;place-content:center;width:112px;height:112px;display:grid}.calc-donut small,.calc-donut strong{display:block}.calc-donut small{color:#ffffff73;letter-spacing:.05em;text-transform:uppercase;font-size:.57rem}.calc-donut strong{color:var(--white);font-family:var(--serif);margin-top:4px;font-size:1rem;font-weight:500}.calc-legend{gap:9px;display:grid}.calc-legend>div{grid-template-columns:8px 1fr;align-items:center;gap:10px;display:grid}.calc-legend>div>span{border-radius:50%;width:8px;height:8px}.calc-legend p{color:#ffffff8f;justify-content:space-between;align-items:center;gap:12px;margin:0;font-size:.64rem;display:flex}.calc-legend strong{color:var(--white);font-size:.65rem}.calc-extra-total{border-bottom:1px solid #ffffff24;justify-content:space-between;align-items:center;gap:20px;padding:16px 0;display:flex}.calc-extra-total span{color:var(--gold-light);font-size:.66rem}.calc-extra-total strong{color:var(--white);font-family:var(--serif);font-size:1.25rem;font-weight:500}.calc-result-stats{grid-template-columns:repeat(2,1fr);display:grid}.calc-result-stats>div{border-bottom:1px solid #ffffff24;min-height:92px;padding:18px 14px 18px 0}.calc-result-stats>div:nth-child(odd){border-right:1px solid #ffffff24}.calc-result-stats>div:nth-child(2n){padding-left:18px}.calc-result-stats span,.calc-result-stats strong{display:block}.calc-result-stats span{color:#ffffff75;letter-spacing:.06em;text-transform:uppercase;margin-bottom:6px;font-size:.57rem}.calc-result-stats strong{color:var(--white);font-family:var(--serif);font-size:1rem;font-weight:500;line-height:1.25}.calc-empty-state{text-align:center;flex-direction:column;justify-content:center;align-items:center;min-height:430px;display:flex}.calc-empty-state>div{border:1px solid #ffffff21;border-radius:50%;justify-content:center;align-items:flex-end;gap:10px;width:190px;height:190px;margin-bottom:30px;display:flex}.calc-empty-state>div span{background:var(--gold);opacity:.78;width:24px}.calc-empty-state>div span:first-child{height:50px}.calc-empty-state>div span:nth-child(2){height:86px}.calc-empty-state>div span:nth-child(3){height:122px}.calc-empty-state p{max-width:330px;color:var(--white);font-family:var(--serif);margin-bottom:10px;font-size:1.45rem;line-height:1.35}.calc-empty-state small{color:#ffffff7a;max-width:330px;font-size:.7rem;line-height:1.65}.calc-result-actions{text-align:center;flex-direction:column;align-items:stretch;gap:13px;margin-top:auto;padding-top:28px;display:flex}.calc-result-actions>a:last-child{color:var(--gold-light);text-underline-offset:4px;font-size:.69rem;font-weight:700;text-decoration:underline}.amortization-preview{background:var(--paper);border:1px solid #102d2d2b;margin-top:22px}.amortization-preview summary{cursor:pointer;flex-direction:column;justify-content:center;min-height:80px;padding:18px 24px;list-style:none;display:flex}.amortization-preview summary::-webkit-details-marker{display:none}.amortization-preview summary span{color:var(--ink);font-family:var(--serif);font-size:1.2rem}.amortization-preview summary small{color:var(--muted);margin-top:3px;font-size:.62rem}.amortization-preview[open] summary{border-bottom:1px solid var(--line)}.amortization-scroll{overflow-x:auto}.amortization-preview table{border-collapse:collapse;width:100%;min-width:720px}.amortization-preview th,.amortization-preview td{border-bottom:1px solid var(--line);text-align:right;padding:13px 18px;font-size:.7rem}.amortization-preview th:first-child,.amortization-preview td:first-child{text-align:left}.amortization-preview th{color:var(--forest-soft);letter-spacing:.07em;text-transform:uppercase;font-size:.59rem}.amortization-preview td{color:var(--muted)}.calculator-disclaimer{border-left:3px solid var(--gold);background:#fffdf880;margin-top:22px;padding:22px 24px}.calculator-disclaimer strong{color:var(--ink);font-size:.73rem}.calculator-disclaimer p{color:#64706d;margin:5px 0 0;font-size:.66rem;line-height:1.65}.reviews{background:var(--paper)}.reviews-head{justify-content:space-between;align-items:end;gap:50px;margin-bottom:52px;display:flex}.rating-lockup{align-items:center;gap:18px;transition:transform .18s;display:flex}.rating-lockup:hover{transform:translateY(-2px)}.rating-lockup>strong{color:var(--ink);font-family:var(--serif);font-size:4rem;font-weight:500;line-height:.9}.rating-lockup div{flex-direction:column;gap:4px;display:flex}.rating-lockup span:not(.stars){color:var(--muted);font-size:.72rem}.rating-lockup .experience-label{color:var(--forest-soft);letter-spacing:.07em;text-transform:uppercase;margin-top:3px;font-size:.61rem;font-weight:800}.review-marquee-wrap{position:relative}.review-marquee{position:relative;overflow:hidden}.review-marquee:before,.review-marquee:after{content:"";z-index:2;pointer-events:none;width:70px;position:absolute;top:0;bottom:0}.review-marquee:before{background:linear-gradient(90deg, var(--paper), #fffdf800);left:0}.review-marquee:after{background:linear-gradient(270deg, var(--paper), #fffdf800);right:0}.review-track{will-change:transform;align-items:stretch;gap:16px;width:max-content;animation:78s linear infinite review-scroll;display:flex}.review-loop-group{align-items:stretch;gap:16px;display:flex}.review-marquee:hover .review-track,.review-marquee:focus-within .review-track,.review-marquee.is-paused .review-track{animation-play-state:paused}.review-card{border:1px solid var(--line);background:var(--cream);flex-direction:column;flex:none;width:clamp(320px,31vw,420px);min-height:330px;padding:37px;display:flex}.review-card blockquote{color:var(--ink);font-family:var(--serif);-webkit-line-clamp:6;-webkit-box-orient:vertical;margin:32px 0;font-size:1.5rem;line-height:1.42;display:-webkit-box;overflow:hidden}.review-author{align-items:center;gap:12px;margin-top:auto;display:flex}.review-author>span{background:var(--ink);width:38px;height:38px;color:var(--gold-light);font-family:var(--serif);border-radius:50%;place-items:center;display:grid}.review-author strong,.review-author small{display:block}.review-author strong{color:var(--ink);font-size:.8rem}.review-author small{color:var(--muted);font-size:.65rem}.review-controls{color:var(--muted);letter-spacing:.06em;text-transform:uppercase;justify-content:space-between;align-items:center;gap:18px;margin-top:14px;font-size:.66rem;font-weight:700;display:flex}.review-pause{border:1px solid var(--line);color:var(--ink);font:inherit;cursor:pointer;background:0 0;border-radius:999px;align-items:center;gap:7px;padding:8px 12px;display:inline-flex}.review-pause:hover{border-color:var(--gold);background:var(--cream)}.review-pause-icon{width:12px;color:var(--forest-soft);font-size:.65rem;line-height:1}.reviews-footer{justify-content:space-between;align-items:center;gap:28px;margin-top:28px;display:flex}.reviews-footer p{color:var(--muted);margin:0;font-size:.88rem}.review-source{align-items:center;gap:14px;display:flex}.review-source p{line-height:1.55}.review-source p strong{color:var(--ink)}.experience-mark{background:var(--ink);width:40px;height:40px;color:var(--gold-light);font-family:var(--serif);border-radius:50%;flex:none;place-items:center;font-size:1.35rem;font-style:italic;display:grid}@keyframes review-scroll{to{transform:translate(calc(-50% - 8px))}}.realtors{color:var(--white);background:#b77b39;position:relative;overflow:hidden}.realtors:before{content:"";border:1px solid #ffffff40;border-radius:50%;width:600px;height:600px;position:absolute;top:-330px;left:-260px}.realtor-shell{grid-template-columns:.72fr 1fr;align-items:start;gap:90px;display:grid;position:relative}.realtor-intro{z-index:1;position:sticky;top:150px}.realtor-intro h2{margin-bottom:26px;font-size:clamp(3rem,5vw,5rem)}.realtor-intro>p:not(.kicker){color:#ffffffc9;margin-bottom:34px;line-height:1.75}.realtor-tools{z-index:1;border-top:1px solid #ffffff4d;position:relative}.realtor-tool{width:100%;min-height:145px;color:inherit;font:inherit;text-align:left;cursor:pointer;background:0 0;border:0;border-bottom:1px solid #ffffff4d;grid-template-columns:40px 1fr auto;align-items:center;gap:24px;padding:25px 8px;transition:padding .18s,background .18s;display:grid}.realtor-tool:hover{background:#ffffff14;padding-left:18px;padding-right:18px}.realtor-tool:focus-visible{outline:2px solid var(--white);outline-offset:-3px}.realtor-tool>span{color:#ffffff80;font-family:var(--serif);font-size:.9rem}.realtor-tools h3{font-family:var(--serif);margin-bottom:6px;font-size:1.65rem;font-weight:500}.realtor-tools p{color:#ffffffad;margin:0;font-size:.82rem}.inquiry-overlay{z-index:200;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);background:#071a1ac7;place-items:center;padding:24px;display:grid;position:fixed;inset:0;overflow-y:auto}.inquiry-modal{background:var(--paper);width:min(820px,100%);max-height:calc(100vh - 48px);color:var(--text);padding:48px;position:relative;overflow-y:auto;box-shadow:0 30px 100px #00000057}.inquiry-close{z-index:2;border:1px solid var(--line);width:38px;height:38px;color:var(--ink);font:300 1.65rem/1 var(--sans);cursor:pointer;background:0 0;border-radius:50%;position:absolute;top:17px;right:19px}.inquiry-close:hover{border-color:var(--gold);background:var(--cream)}.inquiry-header{padding-right:42px}.inquiry-header h2,.inquiry-success h2{color:var(--ink);margin-bottom:16px;font-size:clamp(2.3rem,5vw,4rem)}.inquiry-header>p:last-child{max-width:610px;color:var(--muted);margin-bottom:28px}.inquiry-form{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;display:grid}.inquiry-field{min-width:0}.inquiry-field-wide{grid-column:1/-1}.inquiry-field label{color:var(--ink);letter-spacing:.04em;text-transform:uppercase;margin-bottom:7px;font-size:.72rem;font-weight:800;display:block}.inquiry-field label span{color:var(--muted);letter-spacing:0;text-transform:none;font-size:.64rem;font-weight:600}.inquiry-field input,.inquiry-field select,.inquiry-field textarea{width:100%;color:var(--ink);font:inherit;background:#fffefa;border:1px solid #cfc8bb;border-radius:0;outline:none}.inquiry-field input,.inquiry-field select{min-height:50px;padding:0 14px}.inquiry-field textarea{resize:vertical;min-height:110px;padding:13px 14px}.inquiry-field input:focus,.inquiry-field select:focus,.inquiry-field textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px #d5a45a29}.inquiry-field input::placeholder,.inquiry-field textarea::placeholder{color:#969f9c}.inquiry-honeypot{width:1px;height:1px;position:absolute;left:-9999px;overflow:hidden}.inquiry-consent{color:#4f605d;cursor:pointer;align-items:flex-start;gap:11px;font-size:.78rem;line-height:1.55;display:flex}.inquiry-consent input{width:17px;height:17px;accent-color:var(--ink);flex:none;margin:2px 0 0}.inquiry-privacy{border-left:3px solid var(--gold);background:var(--cream);color:#65716e;margin:-2px 0 0;padding:13px 15px;font-size:.72rem;line-height:1.55}.inquiry-error{color:#7b2d22;background:#fae9e5;margin:0;padding:12px 14px;font-size:.78rem}.inquiry-error a{font-weight:800;text-decoration:underline}.inquiry-submit{align-items:center;gap:17px;padding-top:4px;display:flex}.inquiry-submit .button{cursor:pointer;flex:none}.inquiry-submit .button:disabled{opacity:.58;cursor:wait;transform:none}.inquiry-submit small{color:var(--muted);font-size:.68rem;line-height:1.45}.inquiry-success{text-align:center;padding:36px 24px 24px}.inquiry-success>span{background:var(--ink);width:58px;height:58px;color:var(--gold-light);border-radius:50%;place-items:center;margin:0 auto 24px;font-size:1.5rem;display:grid}.inquiry-success>p:not(.kicker){max-width:520px;color:var(--muted);margin:0 auto 28px}.inquiry-success .button{cursor:pointer}.about{background:var(--cream)}.about-grid{grid-template-columns:.8fr 1fr;gap:130px;display:grid}.about-title{position:relative}.about-title h2{max-width:520px}.signature{color:#d5a45aa6;font-family:var(--serif);transform-origin:0;margin-top:25px;font-size:5rem;font-style:italic;transform:rotate(-7deg)}.about-copy{padding-top:28px}.about-copy>p{color:#52625f;line-height:1.86}.about-copy .about-lede{color:var(--ink);font-family:var(--serif);font-size:1.6rem;line-height:1.55}.about-contact{border-top:1px solid var(--line);grid-template-columns:repeat(2,1fr);margin-top:35px;display:grid}.about-contact a{border-bottom:1px solid var(--line);padding:23px 20px 20px 0}.about-contact a+a{border-left:1px solid var(--line);padding-left:22px}.about-contact small,.about-contact strong{display:block}.about-contact small{color:var(--muted);letter-spacing:.08em;text-transform:uppercase;margin-bottom:5px;font-size:.65rem;font-weight:700}.about-contact strong{color:var(--ink);word-break:break-word;font-size:.78rem}.faq{background:var(--paper)}.faq-grid{grid-template-columns:.55fr 1fr;gap:100px;display:grid}.faq-intro{align-self:start;position:sticky;top:145px}.faq-intro h2{margin-bottom:24px;font-size:clamp(2.8rem,4.4vw,4.35rem)}.faq-intro>p:not(.kicker){color:var(--muted);line-height:1.75}.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{cursor:pointer;min-height:96px;color:var(--ink);font-family:var(--serif);justify-content:space-between;align-items:center;gap:24px;font-size:1.25rem;list-style:none;display:flex}.faq-list summary::-webkit-details-marker{display:none}.faq-icon{flex:none;width:22px;height:22px;position:relative}.faq-icon:before,.faq-icon:after{content:"";background:var(--ink);width:16px;height:1px;transition:transform .18s;position:absolute;top:10px;left:3px}.faq-icon:after{transform:rotate(90deg)}.faq-list details[open] .faq-icon:after{transform:rotate(0)}.faq-list details p{max-width:680px;color:var(--muted);margin:-10px 50px 30px 0;font-size:.9rem;line-height:1.8}.final-cta{background:var(--forest);color:var(--white);padding:94px 0}.final-cta-inner{justify-content:space-between;align-items:end;gap:70px;display:flex}.final-cta h2{margin-bottom:17px;font-size:clamp(3rem,5vw,5rem)}.final-cta p:not(.kicker){color:#ffffffb3;max-width:610px;margin:0}.final-actions{flex:none;gap:10px;display:flex}footer{background:var(--ink-deep);color:#ffffffb3;padding:76px 0 102px}.footer-top{border-bottom:1px solid #ffffff1f;grid-template-columns:1.2fr 1fr;gap:70px;padding-bottom:56px;display:grid}.brand-footer .brand-copy strong{color:var(--white)}.brand-footer .brand-copy small{color:#ffffff7a}.footer-brand>p{max-width:380px;font-family:var(--serif);margin:24px 0 0;font-size:1.3rem;line-height:1.5}.footer-links{grid-template-columns:repeat(2,1fr);gap:60px;display:grid}.footer-links h3{color:var(--gold-light);letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px;font-size:.65rem}.footer-links a{margin-bottom:9px;font-size:.8rem;display:block}.footer-links a:hover{color:var(--white)}.licensing{grid-template-columns:auto 1fr;align-items:start;gap:28px;padding-top:36px;display:grid}.licensing p{color:#ffffff73;margin-bottom:10px;font-size:.65rem;line-height:1.65}.licensing a{text-decoration:underline}.equal-housing-mark{color:#ffffffc7;border:1px solid #fff3;border-radius:4px;align-items:center;gap:10px;min-width:124px;padding:12px 14px;display:flex}.equal-housing-mark svg{fill:none;stroke:currentColor;stroke-width:4px;stroke-linecap:square;stroke-linejoin:miter;flex:none;width:38px;height:38px}.equal-housing-mark span{text-transform:uppercase;white-space:nowrap;gap:2px;line-height:1;display:grid}.equal-housing-mark strong{color:var(--white);letter-spacing:.07em;font-size:.54rem}.equal-housing-mark small{letter-spacing:.13em;font-size:.58rem;font-weight:800}.contact-action-bar{z-index:80;right:24px;bottom:max(20px, env(safe-area-inset-bottom));-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);background:#0b2424f5;border:1px solid #ffffff29;border-radius:8px;grid-template-columns:repeat(2,minmax(132px,1fr));gap:7px;padding:7px;display:grid;position:fixed;box-shadow:0 14px 38px #0b242447}.contact-action{min-height:48px;color:var(--white);letter-spacing:.01em;border:1px solid #ffffff38;justify-content:center;align-items:center;gap:9px;padding:0 17px;font-size:.76rem;font-weight:800;transition:transform .18s,background .18s,border-color .18s;display:flex}.contact-action svg{fill:none;stroke:currentColor;stroke-width:1.8px;stroke-linecap:round;stroke-linejoin:round;flex:none;width:17px;height:17px}.contact-action:hover{border-color:#ffffff7a;transform:translateY(-2px)}.contact-action-text{border-color:var(--gold);background:var(--gold);color:var(--ink-deep)}.contact-action-text:hover{background:#e0b56f;border-color:#e0b56f}@media (width<=1050px){.nav{gap:18px}.desktop-nav{gap:13px}.desktop-nav a{font-size:.7rem}.hero-grid{grid-template-columns:1.05fr .82fr;gap:42px;min-height:640px}.portrait-frame img{height:535px}.pathway-grid{grid-template-columns:repeat(2,1fr)}.difference-grid,.realtor-shell{gap:58px}.program-grid{grid-template-columns:repeat(2,1fr)}.refi-note{grid-template-columns:1fr 1fr}.refi-note .button{grid-column:1/-1;justify-self:start}.calculator-heading{gap:40px}.calculator-shell{grid-template-columns:1fr}.calculator-results{min-height:720px}.calc-empty-state{min-height:360px}.about-grid,.faq-grid{gap:60px}}@media (width<=920px){html{scroll-padding-top:80px}.utility-bar,.desktop-nav,.nav-apply{display:none}.site-header{background:#fffdf8f5}.nav{min-height:72px}.nav:before{inset:0}.mobile-menu{display:block}.mobile-menu summary{cursor:pointer;place-content:center;gap:5px;width:44px;height:44px;list-style:none;display:grid}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-menu summary span{background:var(--ink);width:22px;height:1px;display:block}.mobile-menu-panel{border:1px solid var(--line);background:var(--paper);width:min(310px,100vw - 32px);box-shadow:var(--shadow);padding:12px;position:absolute;top:57px;right:0}.mobile-menu-panel a{border-bottom:1px solid var(--line);color:var(--ink);padding:13px 12px;font-size:.83rem;font-weight:700;display:block}.mobile-menu-panel a.nav-partner-link{background:var(--gold);color:var(--ink-deep);border:1px solid #c9913f;margin:6px 0}.mobile-menu-panel a:last-child{background:var(--ink);color:var(--white);border:0;margin-top:8px}.hero-grid{grid-template-columns:1fr;gap:45px;min-height:0;padding-top:72px;padding-bottom:70px}.hero-copy{max-width:680px}.hero-visual{justify-content:center}.portrait-frame{max-width:460px}.heading-split,.difference-grid,.realtor-shell,.about-grid,.faq-grid{grid-template-columns:1fr}.heading-split{gap:24px}.difference-grid{gap:60px}.calculator-heading{grid-template-columns:1fr;align-items:start;gap:28px}.calculator-no-quote{max-width:620px}.review-card{min-height:300px}.realtor-intro,.faq-intro{position:static}.realtor-shell,.about-grid,.faq-grid{gap:55px}.final-cta-inner{flex-direction:column;align-items:start;gap:34px}.footer-top{grid-template-columns:1fr}}@media (width<=620px){.shell{width:min(100% - 32px,1180px)}.section{padding:78px 0}h2{font-size:clamp(2.35rem,13vw,3.5rem)}.brand-copy strong{font-size:.78rem}.brand-copy small{font-size:.55rem}.hero-grid{padding-top:55px}.hero h1{font-size:clamp(3.4rem,16vw,5rem)}.hero-lede{font-size:1rem}.hero-actions,.hero-actions .button{width:100%}.hero-review{flex-direction:column;align-items:flex-start;gap:7px}.portrait-frame{width:calc(100% - 20px)}.portrait-frame img{height:480px}.portrait-card-bottom{right:-10px}.proof-grid{grid-template-columns:repeat(2,1fr)}.proof-grid>div{border-bottom:1px solid var(--line);min-height:122px;padding:20px 10px}.proof-grid>div:nth-child(3){border-left:1px solid var(--line)}.proof-grid strong{font-size:2rem}.pathway-grid,.program-grid{grid-template-columns:1fr}.pathway-card{min-height:330px}.pathway-top{margin-bottom:30px}.promise-card,.program-card,.review-card{padding:28px}.refi-note{grid-template-columns:1fr;gap:24px;padding:30px}.refi-note .button{grid-column:auto;width:100%}.calculator-inputs,.calculator-results{padding:28px 24px}.calculator-results{min-height:0}.calc-control-grid{grid-template-columns:1fr}.calc-control-grid .calc-control:last-child{grid-column:auto}.calc-cost-grid,.calc-chart-row{grid-template-columns:1fr}.calc-donut{margin-inline:auto}.calc-result-stats{grid-template-columns:1fr}.calc-result-stats>div:nth-child(odd){border-right:0}.calc-result-stats>div:nth-child(2n){padding-left:0}.calc-empty-state{min-height:330px}.calc-payment-hero>strong{font-size:3.6rem}.reviews-head{flex-direction:column;align-items:start;gap:32px}.review-marquee:before,.review-marquee:after{width:28px}.review-card{width:min(82vw,360px);min-height:305px}.review-controls{align-items:flex-start}.reviews-footer{flex-direction:column;align-items:stretch}.reviews-footer .button{width:100%}.realtor-tool{grid-template-columns:28px 1fr auto;gap:12px;min-height:132px}.realtor-tools h3{font-size:1.35rem}.about-contact{grid-template-columns:1fr}.about-contact a+a{border-left:0;padding-left:0}.faq-list summary{min-height:86px;font-size:1.08rem}.final-actions{flex-direction:column;width:100%}.final-actions .button{width:100%}.footer-links{gap:30px}.licensing{grid-template-columns:1fr;gap:22px}.equal-housing-mark{width:fit-content}footer{padding-bottom:130px}.contact-action-bar{min-height:66px;padding:8px 8px max(8px, env(safe-area-inset-bottom));background:var(--ink-deep);border-width:1px 0 0;border-radius:0;grid-template-columns:1fr 1fr;gap:8px;bottom:0;left:0;right:0;box-shadow:0 -10px 30px #102d2d3d}.contact-action{min-height:48px;padding:0 12px}.inquiry-overlay{place-items:start center;padding:10px}.inquiry-modal{max-height:calc(100vh - 20px);padding:40px 22px 26px}.inquiry-close{top:11px;right:12px}.inquiry-header{padding-right:22px}.inquiry-header h2,.inquiry-success h2{font-size:2.45rem}.inquiry-form{grid-template-columns:1fr}.inquiry-field-wide{grid-column:auto}.inquiry-submit{flex-direction:column;align-items:stretch}.inquiry-submit .button{width:100%}.inquiry-success{padding-inline:0}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:before,:after{transition-duration:.01ms!important}.review-marquee{scroll-snap-type:x mandatory;scrollbar-width:thin;overflow-x:auto}.review-marquee:before,.review-marquee:after{display:none}.review-track{animation:none;transform:none}.review-loop-group[aria-hidden=true]{display:none}.review-card{scroll-snap-align:start}.review-pause{display:none}}.process{background:var(--paper);border-top:1px solid var(--line)}.process-grid{border:solid var(--line);border-width:1px 0 0 1px;grid-template-columns:repeat(4,1fr);display:grid}.process-grid article{border:solid var(--line);background:var(--paper);border-width:0 1px 1px 0;min-height:255px;padding:30px 28px}.process-grid article>span{color:#9b9385;font-family:var(--serif);font-size:.85rem}.process-grid h3{color:var(--ink);font-family:var(--serif);margin:42px 0 13px;font-size:1.55rem;font-weight:500}.process-grid p{color:var(--muted);margin:0;font-size:.84rem;line-height:1.7}.process-actions{flex-wrap:wrap;align-items:center;gap:28px;margin-top:30px;display:flex}.process-actions .text-link{margin:0}.program-resources-link{text-align:center;justify-content:center;align-items:center;gap:18px;margin-top:22px;padding:22px 4px 0;display:flex}.program-resources-link p{color:var(--muted);margin:0;font-size:.82rem}.program-resources-link .text-link{margin:0}.realtor-intro-actions{flex-wrap:wrap;align-items:center;gap:22px;display:flex}.plain-link-light{color:var(--white);border-color:#ffffff8c}.calculator-suite-tabs{border:0 solid #102d2d33;border-width:1px 0 0 1px;grid-template-columns:repeat(3,1fr);margin-bottom:16px;display:grid}.calculator-suite-tab{min-height:94px;color:var(--ink);text-align:left;cursor:pointer;background:#fffdf87a;border:1px solid #102d2d33;border-width:0 1px 1px 0;grid-template-columns:30px 1fr;align-items:center;gap:15px;padding:20px 24px;transition:background .18s,color .18s;display:grid}.calculator-suite-tab>span{color:#8b8e87;font-family:var(--serif);font-size:.74rem}.calculator-suite-tab small,.calculator-suite-tab strong{display:block}.calculator-suite-tab small{color:var(--muted);letter-spacing:.08em;text-transform:uppercase;margin-bottom:3px;font-size:.58rem;font-weight:800}.calculator-suite-tab strong{font-family:var(--serif);font-size:1.2rem;font-weight:500}.calculator-suite-tab:hover{background:#fffdf8cc}.calculator-suite-tab.is-active{background:var(--ink);color:var(--white)}.calculator-suite-tab.is-active>span,.calculator-suite-tab.is-active small{color:var(--gold-light)}.planning-calculator{box-shadow:var(--shadow);grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);display:grid}.planning-inputs{background:var(--paper);padding:46px}.planning-results{background:var(--ink);min-height:650px;color:var(--white);flex-direction:column;padding:46px 42px;display:flex}.planning-fields{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;display:grid}.planning-field{min-width:0;display:block}.planning-field>span{min-height:40px;color:var(--ink);align-items:flex-end;margin-bottom:7px;font-size:.7rem;font-weight:800;line-height:1.35;display:flex}.planning-field>div{border:1px solid var(--line);background:var(--cream);grid-template-columns:auto minmax(0,1fr) auto;align-items:center;min-height:51px;display:grid}.planning-field>div small{color:var(--muted);padding:0 12px;font-size:.68rem;font-style:normal;font-weight:700}.planning-field input{width:100%;min-width:0;height:49px;color:var(--ink);font:700 .9rem var(--sans);background:0 0;border:0;outline:0;padding:0 13px}.planning-field input:focus{box-shadow:inset 0 -2px var(--gold)}.planning-field input::-webkit-inner-spin-button{appearance:none;margin:0}.planning-field>em{color:var(--muted);margin-top:6px;font-size:.61rem;font-style:normal;line-height:1.4;display:block}.planning-hero-result{border-bottom:1px solid #ffffff24;padding-bottom:30px}.planning-hero-result p{color:#fff9;letter-spacing:.07em;text-transform:uppercase;margin-bottom:7px;font-size:.68rem;font-weight:800}.planning-hero-result>strong{color:var(--white);font-family:var(--serif);letter-spacing:-.045em;font-size:clamp(3.3rem,5vw,5rem);font-weight:500;line-height:1;display:block}.planning-hero-result>strong.is-negative{color:#f0c5ba}.planning-hero-result>span{color:#ffffff85;margin-top:11px;font-size:.66rem;display:block}.planning-result-grid{grid-template-columns:repeat(2,1fr);display:grid}.planning-result-grid>div{border-bottom:1px solid #ffffff24;min-height:105px;padding:21px 16px 18px 0}.planning-result-grid>div:nth-child(2n){border-left:1px solid #ffffff24;padding-left:18px}.planning-result-grid>.planning-result-wide{border-left:0;grid-column:1/-1;padding-left:0}.planning-result-grid span,.planning-result-grid strong{display:block}.planning-result-grid span{color:#ffffff75;letter-spacing:.06em;text-transform:uppercase;margin-bottom:8px;font-size:.57rem;font-weight:700}.planning-result-grid strong{color:var(--white);font-family:var(--serif);font-size:1.15rem;font-weight:500;line-height:1.25}.planning-result-note{border-left:2px solid var(--gold);color:#ffffff8c;background:#ffffff0e;margin:22px 0 0;padding:15px 17px;font-size:.67rem;line-height:1.6}.planning-empty{text-align:center;flex-direction:column;justify-content:center;align-items:center;min-height:380px;display:flex}.planning-empty:before{content:"↙";width:80px;height:80px;color:var(--gold-light);font-family:var(--serif);border:1px solid #ffffff2e;border-radius:50%;place-items:center;margin-bottom:24px;font-size:2rem;display:grid}.planning-empty strong{color:var(--white);font-family:var(--serif);font-size:1.65rem;font-weight:500}.planning-empty p{color:#ffffff7a;max-width:360px;margin:10px 0 0;font-size:.72rem;line-height:1.65}.equity-report{background:var(--forest);color:var(--white);overflow:hidden}.equity-report-grid{grid-template-columns:.84fr 1.16fr;align-items:center;gap:90px;display:grid}.equity-report-copy h2{margin-bottom:26px;font-size:clamp(3rem,5vw,5.15rem)}.equity-report-lede{color:#ffffffb8;max-width:590px;font-size:1rem;line-height:1.8}.equity-report-list{border-top:1px solid #ffffff29;margin-top:36px}.equity-report-list>div{border-bottom:1px solid #ffffff29;grid-template-columns:32px 1fr;gap:14px;padding:20px 0;display:grid}.equity-report-list>div>span{color:var(--gold-light);font-family:var(--serif);font-size:.75rem}.equity-report-list p{color:#ffffff9e;margin:0;font-size:.78rem;line-height:1.65}.equity-report-list strong{color:var(--white);font-family:var(--serif);margin-bottom:3px;font-size:1.14rem;font-weight:500;display:block}.equity-report-note{color:#ffffff80;margin:24px 0 0;font-size:.67rem;line-height:1.65}.equity-report-note strong{color:var(--gold-light)}.equity-report-form-wrap{background:var(--paper);min-height:650px;color:var(--text);padding:44px;box-shadow:0 28px 80px #04151540}.equity-report-form-heading{margin-bottom:26px}.equity-report-form-heading>span{border:1px solid var(--gold);color:var(--forest-soft);letter-spacing:.12em;text-transform:uppercase;padding:5px 8px;font-size:.56rem;font-weight:800;display:inline-block}.equity-report-form-heading h3,.equity-report-success h3{color:var(--ink);font-family:var(--serif);margin:17px 0 9px;font-size:2rem;font-weight:500}.equity-report-form-heading p{color:var(--muted);margin:0;font-size:.72rem;line-height:1.6}.equity-form{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;display:grid;position:relative}.equity-form-field{min-width:0}.equity-form-wide{grid-column:1/-1}.equity-form-field label{color:var(--ink);letter-spacing:.05em;text-transform:uppercase;margin-bottom:6px;font-size:.65rem;font-weight:800;display:block}.equity-form-field label span{color:var(--muted);letter-spacing:0;text-transform:none;font-size:.58rem}.equity-form-field input,.equity-form-field select,.equity-form-field textarea{width:100%;color:var(--ink);font:inherit;background:#fffefa;border:1px solid #cfc8bb;border-radius:0;outline:0}.equity-form-field input,.equity-form-field select{min-height:47px;padding:0 12px}.equity-form-field textarea{resize:vertical;padding:11px 12px}.equity-form-field input:focus,.equity-form-field select:focus,.equity-form-field textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px #d5a45a29}.equity-form-submit{align-items:center;gap:16px;display:flex}.equity-form-submit .button{cursor:pointer;flex:none}.equity-form-submit .button:disabled{opacity:.58;cursor:wait}.equity-form-submit small{color:var(--muted);font-size:.62rem;line-height:1.45}.equity-report-success{text-align:center;flex-direction:column;justify-content:center;align-items:center;min-height:560px;display:flex}.equity-report-success>span{background:var(--ink);width:58px;height:58px;color:var(--gold-light);border-radius:50%;place-items:center;margin-bottom:22px;display:grid}.equity-report-success>p:not(.kicker){max-width:480px;color:var(--muted)}.equity-report-success .button{cursor:pointer;margin-top:10px}.inner-hero{background:var(--cream);padding:104px 0 96px;overflow:hidden}.inner-hero-grid{grid-template-columns:1.15fr .7fr;align-items:center;gap:90px;display:grid}.inner-hero h1,.article-hero h1{max-width:790px;color:var(--ink);font-family:var(--serif);letter-spacing:-.05em;margin:0 0 28px;font-size:clamp(3.8rem,6.5vw,6.8rem);font-weight:500;line-height:1}.inner-hero-grid>div>p:not(.kicker){color:#52625f;max-width:700px;font-size:1.04rem;line-height:1.8}.inner-hero-actions{flex-wrap:wrap;gap:12px;margin-top:34px;display:flex}.resource-hero-card{border-top:4px solid var(--gold);background:var(--ink);color:var(--white);box-shadow:var(--shadow);padding:40px}.resource-hero-card>span{color:var(--gold-light);letter-spacing:.12em;text-transform:uppercase;font-size:.62rem;font-weight:800}.resource-hero-card>strong{font-family:var(--serif);margin:24px 0 14px;font-size:2rem;font-weight:500;line-height:1.2;display:block}.resource-hero-card p{color:#ffffffa3;font-size:.82rem;line-height:1.75}.resource-hero-card a{color:var(--gold-light);border-bottom:1px solid #f0d8ad80;font-size:.75rem;font-weight:800}.resource-library{background:var(--paper)}.resource-card-grid{border:solid var(--line);border-width:1px 0 0 1px;grid-template-columns:repeat(3,1fr);display:grid}.resource-card{border:solid var(--line);background:var(--paper);border-width:0 1px 1px 0;flex-direction:column;min-height:385px;padding:32px;transition:background .18s,transform .18s,box-shadow .18s;display:flex}.resource-card:hover{z-index:1;background:var(--cream);box-shadow:var(--shadow);transform:translateY(-6px)}.resource-card-top{justify-content:space-between;align-items:center;display:flex}.resource-card-top>span{color:#a59d8f;font-family:var(--serif);font-size:.85rem}.resource-card-top>small{color:var(--forest-soft);letter-spacing:.1em;text-transform:uppercase;font-size:.58rem;font-weight:800}.resource-card h2{color:var(--ink);margin:54px 0 16px;font-size:2rem;line-height:1.15}.resource-card>p{color:var(--muted);font-size:.84rem;line-height:1.72}.resource-card>div:last-child{color:var(--muted);justify-content:space-between;gap:18px;margin-top:auto;font-size:.65rem;display:flex}.resource-card>div:last-child strong{color:var(--ink);font-size:.7rem}.resource-method-grid{grid-template-columns:1fr .72fr;align-items:center;gap:100px;display:grid}.resource-method h2{max-width:690px}.resource-method-grid>div:last-child>p{color:#ffffffad;line-height:1.8}.resource-method-actions{flex-wrap:wrap;align-items:center;gap:24px;margin-top:30px;display:flex}.article-hero{background:var(--cream);border-bottom:1px solid var(--line);padding:72px 0 82px}.article-hero-inner{max-width:1010px}.breadcrumb{color:var(--muted);flex-wrap:wrap;align-items:center;gap:10px;margin-bottom:66px;font-size:.66rem;font-weight:700;display:flex}.breadcrumb a{border-bottom:1px solid var(--line)}.article-hero h1{max-width:950px;font-size:clamp(3.5rem,6vw,6.2rem)}.article-hero-inner>p:not(.kicker){color:#52625f;max-width:790px;margin-bottom:0;font-size:1.06rem;line-height:1.82}.article-hero-actions{flex-wrap:wrap;gap:12px;margin-top:34px;display:flex}.article-body{background:var(--paper)}.article-layout{grid-template-columns:330px minmax(0,710px);justify-content:space-between;gap:90px;display:grid}.article-takeaways{border-top:3px solid var(--gold);background:var(--cream);align-self:start;padding:30px;position:sticky;top:145px}.article-takeaways h2{margin-bottom:25px;font-size:2.15rem}.article-takeaways ol{border-top:1px solid var(--line);margin:0;padding:0;list-style:none}.article-takeaways li{border-bottom:1px solid var(--line);grid-template-columns:27px 1fr;gap:11px;padding:17px 0;display:grid}.article-takeaways li>span{color:var(--forest-soft);font-family:var(--serif);font-size:.7rem}.article-takeaways li p{color:#52625f;margin:0;font-size:.75rem;line-height:1.6}.article-takeaways>a{color:var(--ink);text-decoration:underline;-webkit-text-decoration-color:var(--gold);-webkit-text-decoration-color:var(--gold);-webkit-text-decoration-color:var(--gold);text-decoration-color:var(--gold);text-underline-offset:4px;margin-top:24px;font-size:.7rem;font-weight:800;display:inline-block}.article-content>section{border-bottom:1px solid var(--line);margin-bottom:48px;padding:0 0 48px}.article-content>section h2{color:var(--ink);margin-bottom:20px;font-size:clamp(2rem,3.2vw,3rem);line-height:1.15}.article-content>section p{color:#52625f;font-size:.96rem;line-height:1.9}.article-content>section ul{gap:11px;margin:25px 0 0;padding:0;list-style:none;display:grid}.article-content>section li{color:#52625f;padding-left:25px;font-size:.88rem;line-height:1.72;position:relative}.article-content>section li:before{content:"";background:var(--gold);border-radius:50%;width:7px;height:7px;position:absolute;top:.72em;left:0}.article-next-step{background:var(--ink);color:var(--white);margin-top:10px;padding:42px}.article-next-step h2{color:var(--white);margin-bottom:17px;font-size:2.7rem}.article-next-step>p:not(.kicker){color:#ffffffa8;line-height:1.8}.article-next-step>div{flex-wrap:wrap;gap:10px;margin-top:28px;display:flex}.article-disclaimer{border-left:3px solid var(--gold);background:var(--cream);margin-top:24px;padding:18px 20px}.article-disclaimer strong{color:var(--ink);font-size:.69rem}.article-disclaimer p{color:var(--muted);margin:4px 0 0;font-size:.65rem;line-height:1.65}.resource-return{border-top:1px solid var(--line);background:var(--cream);padding:34px 0}.resource-return-inner{justify-content:space-between;align-items:center;gap:28px;display:flex}.resource-return p{color:var(--muted);margin:0;font-size:.78rem}.resource-return .text-link{margin:0}.partner-hero{background:var(--warm)}.partner-hero-proof{border-top:4px solid var(--gold);background:var(--ink);color:var(--white);box-shadow:var(--shadow);padding:43px}.partner-hero-proof blockquote{color:var(--white);font-family:var(--serif);margin:42px 0 22px;font-size:1.8rem;line-height:1.45}.partner-hero-proof>p:not(.kicker){color:#ffffff87;font-size:.68rem}.partner-hero-proof a{color:var(--gold-light);border-bottom:1px solid #f0d8ad73;margin-top:17px;font-size:.72rem;font-weight:800;display:inline-block}.partner-standards{background:var(--paper)}.partner-standard-grid{border:solid var(--line);border-width:1px 0 0 1px;grid-template-columns:repeat(4,1fr);display:grid}.partner-standard-grid article{border:solid var(--line);border-width:0 1px 1px 0;min-height:320px;padding:31px 28px}.partner-standard-grid article>span{color:#9d9587;font-family:var(--serif);font-size:.8rem}.partner-standard-grid h3{color:var(--ink);font-family:var(--serif);margin:55px 0 15px;font-size:1.65rem;font-weight:500}.partner-standard-grid p{color:var(--muted);margin:0;font-size:.82rem;line-height:1.72}.partner-workbench{color:var(--white);background:#b77b39;position:relative;overflow:hidden}.partner-workbench:before{content:"";border:1px solid #ffffff40;border-radius:50%;width:600px;height:600px;position:absolute;top:-330px;left:-260px}.partner-intro-path{background:var(--cream)}.partner-intro-grid{grid-template-columns:.72fr 1fr;gap:100px;display:grid}.partner-intro-grid>div h2{max-width:510px}.partner-intro-grid ol{border-top:1px solid var(--line);margin:0;padding:0;list-style:none}.partner-intro-grid li{border-bottom:1px solid var(--line);grid-template-columns:40px 1fr;gap:20px;padding:27px 0;display:grid}.partner-intro-grid li>span{color:var(--forest-soft);font-family:var(--serif);font-size:.8rem}.partner-intro-grid h3{color:var(--ink);font-family:var(--serif);margin-bottom:8px;font-size:1.5rem;font-weight:500}.partner-intro-grid li p{color:var(--muted);margin:0;font-size:.82rem;line-height:1.7}.partner-intro-grid li a{color:var(--ink);text-decoration:underline;-webkit-text-decoration-color:var(--gold);-webkit-text-decoration-color:var(--gold);-webkit-text-decoration-color:var(--gold);text-decoration-color:var(--gold);text-underline-offset:4px;margin-top:9px;font-size:.7rem;font-weight:800;display:inline-block}.partner-resources{background:var(--paper)}.partner-resource-grid{grid-template-columns:repeat(3,1fr);gap:16px;display:grid}.partner-resource-grid>a{border:1px solid var(--line);background:var(--cream);flex-direction:column;min-height:310px;padding:34px;transition:transform .18s,box-shadow .18s;display:flex}.partner-resource-grid>a:hover{box-shadow:var(--shadow);transform:translateY(-5px)}.partner-resource-grid span{color:var(--forest-soft);letter-spacing:.1em;text-transform:uppercase;font-size:.6rem;font-weight:800}.partner-resource-grid h3{color:var(--ink);font-family:var(--serif);margin:46px 0 15px;font-size:1.72rem;font-weight:500}.partner-resource-grid p{color:var(--muted);font-size:.82rem;line-height:1.7}.partner-resource-grid strong{color:var(--ink);margin-top:auto;font-size:.7rem}.partner-close{background:var(--ink)}@media (width<=1050px){.process-grid,.partner-standard-grid{grid-template-columns:repeat(2,1fr)}.planning-calculator{grid-template-columns:1fr}.planning-results{min-height:590px}.equity-report-grid{gap:50px}.resource-card-grid{grid-template-columns:repeat(2,1fr)}.article-layout{grid-template-columns:290px minmax(0,1fr);gap:55px}}@media (width<=920px){.equity-report-grid,.inner-hero-grid,.resource-method-grid,.partner-intro-grid{grid-template-columns:1fr}.equity-report-grid,.inner-hero-grid{gap:55px}.equity-report-copy{max-width:680px}.inner-hero{padding:84px 0}.resource-hero-card,.partner-hero-proof{max-width:620px}.article-layout{grid-template-columns:1fr}.article-takeaways{max-width:650px;position:static}.partner-resource-grid{grid-template-columns:repeat(2,1fr)}}@media (width<=620px){.process-grid,.partner-standard-grid,.resource-card-grid,.partner-resource-grid{grid-template-columns:1fr}.process-grid article{min-height:230px}.process-actions,.process-actions .button{width:100%}.program-resources-link{text-align:left;flex-direction:column;align-items:flex-start}.realtor-intro-actions{flex-direction:column;align-items:stretch}.calculator-suite-tabs{grid-template-columns:1fr}.calculator-suite-tab{min-height:76px}.planning-inputs,.planning-results{padding:28px 24px}.planning-results{min-height:560px}.planning-fields,.planning-result-grid{grid-template-columns:1fr}.planning-field>span{min-height:0}.planning-result-grid>div:nth-child(2n){border-left:0;padding-left:0}.planning-result-grid>.planning-result-wide{grid-column:auto}.planning-hero-result>strong{font-size:3.25rem}.equity-report-form-wrap{min-height:0;padding:30px 22px}.equity-form{grid-template-columns:1fr}.equity-form-wide{grid-column:auto}.equity-form-submit{flex-direction:column;align-items:stretch}.equity-form-submit .button{width:100%}.equity-report-success{min-height:460px}.inner-hero,.article-hero{padding:70px 0}.inner-hero h1,.article-hero h1{font-size:clamp(3.15rem,15vw,4.6rem)}.inner-hero-actions,.inner-hero-actions .button,.article-hero-actions,.article-hero-actions .button{width:100%}.resource-hero-card,.partner-hero-proof,.article-takeaways,.article-next-step{padding:28px}.resource-card{min-height:330px;padding:28px}.resource-card h2{margin-top:38px}.resource-method-grid,.partner-intro-grid{gap:45px}.resource-method-actions{flex-direction:column;align-items:stretch}.resource-method-actions .button{width:100%}.breadcrumb{margin-bottom:45px}.article-content>section{margin-bottom:36px;padding-bottom:36px}.article-next-step>div,.article-next-step .button{width:100%}.resource-return-inner{flex-direction:column;align-items:flex-start}.partner-standard-grid article{min-height:270px}}
