:root{
  --blue:#245f91;
  --dark:#123d63;
  --gray:#8b8f94;
  --pink:#d51e78;
  --purple:#74248f;
  --text:#203344;
  --muted:#687885;
  --border:#dfe7ed;
  --soft:#f4f7f9;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:#fff}
a{color:inherit}
img{max-width:100%}
.container{width:min(1180px,calc(100% - 40px));margin:0 auto}
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid #e7edf1;backdrop-filter:blur(10px)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:82px}
.brand img{width:min(410px,46vw);display:block}
.main-nav{display:flex;align-items:center;gap:6px}
.main-nav a{text-decoration:none;font-weight:700;font-size:14px;padding:12px 9px;color:#34475a}
.main-nav a:hover{color:var(--blue)}
.menu-toggle{display:none;border:1px solid var(--border);background:#fff;border-radius:8px;min-width:44px;min-height:44px;font-size:22px}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 21px;border-radius:8px;text-decoration:none;font-weight:800;border:1px solid transparent;cursor:pointer}
.button-primary{background:var(--blue);color:#fff!important}
.button-primary:hover{background:var(--dark)}
.button-outline{border-color:var(--blue);color:var(--blue);background:#fff}
.full{width:100%}
.hero{background:linear-gradient(120deg,#f5f9fc 0%,#fff 58%,#f8f3f7 100%);border-bottom:1px solid #e4eaef}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(300px,.8fr);gap:48px;align-items:center;padding:76px 0}
.eyebrow{font-size:12px;font-weight:900;letter-spacing:.13em;text-transform:uppercase;color:var(--blue)}
.hero h1{font-size:clamp(42px,6vw,68px);line-height:.98;letter-spacing:-.055em;color:#102f4a;margin:14px 0 20px}
.hero h1 span{color:var(--blue)}
.lead{font-size:18px;line-height:1.7;color:#536575;max-width:680px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.credential{font-size:14px;color:#647585;margin-top:20px}
.credential.strong{font-weight:800;color:#405465}
.quick-card{background:#fff;border:1px solid var(--border);border-radius:18px;padding:26px;box-shadow:0 20px 55px rgba(27,59,83,.10)}
.quick-card h2{margin:8px 0 6px;color:#153f62}
.muted{color:var(--muted);font-size:14px}
label{display:block;margin:14px 0 6px;font-size:13px;font-weight:800;color:#445260}
input,select{width:100%;min-height:46px;padding:10px 12px;border:1px solid #cbd6de;border-radius:8px;font:inherit;background:#fff;color:#223645}
input:focus,select:focus{outline:3px solid rgba(36,95,145,.13);border-color:var(--blue)}
.form-note,.fine-print{font-size:11px;line-height:1.5;color:#75838e}
.hidden{position:absolute;left:-9999px}
.trust-strip{border-bottom:1px solid #e5eaee}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.trust-grid>div{text-align:center;padding:24px 14px;border-right:1px solid #e5eaee}
.trust-grid>div:last-child{border-right:0}
.trust-grid strong{display:block;color:#153f62;font-size:18px}
.trust-grid span{font-size:12px;color:#74818c}
.section{padding:76px 0}
.section-head{text-align:center;max-width:760px;margin:0 auto 42px}
.section-head h2,#about h2{font-size:clamp(31px,4vw,45px);letter-spacing:-.04em;color:var(--dark);margin:8px 0 12px}
.section-head p,#about p{color:#647481;line-height:1.7}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{border:1px solid var(--border);border-radius:14px;padding:24px;background:#fff;min-height:190px}
.card span{display:grid;place-items:center;width:42px;height:42px;border-radius:11px;background:#edf4f8;color:var(--blue);font-weight:900}
.card h3{color:#193e5c}
.card p{font-size:14px;color:#687885;line-height:1.6}
.rates-section{background:var(--dark);color:#fff;padding:68px 0}
.rates-grid{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}
.rates-section h2{font-size:clamp(32px,4vw,42px);letter-spacing:-.04em;margin:9px 0 12px}
.rates-section p{color:#d6e1e9;line-height:1.65}
.eyebrow.light{color:#9dc7e3}
.rates-disclaimer{font-size:12px}
.text-link{font-weight:800;color:#fff}
.rate-cards{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.rate-card{background:#fff;color:#193f60;border-radius:14px;padding:24px;text-align:center}
.big-rate{font-size:44px;font-weight:900;letter-spacing:-.055em;color:var(--blue);margin:8px 0}
.rate-card small{color:#75828e}
.rate-date,.rate-status{text-align:center;font-size:12px!important;color:#b6c5d1!important}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.step span{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;font-weight:900}
.step h3{color:#173f60}
.step p{font-size:14px;color:#6d7c87;line-height:1.6}
.calculator-section{background:var(--soft)}
.calculator-grid{display:grid;grid-template-columns:1fr .85fr;gap:28px}
.calculator-panel,.result-panel{background:#fff;border:1px solid var(--border);border-radius:15px;padding:28px}
.input-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.result-panel{display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center}
.payment{font-size:52px;font-weight:900;letter-spacing:-.055em;color:var(--blue);margin:10px 0 4px}
.result-panel strong{margin-top:18px;color:#405465}
.about-grid{display:grid;grid-template-columns:.7fr 1.3fr;gap:44px;align-items:center}
.photo-placeholder{min-height:330px;border-radius:18px;border:1px solid var(--border);background:linear-gradient(145deg,#dce7ee,#f7f9fb);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:28px;color:#6c7a85}
.photo-placeholder strong{font-size:24px;color:var(--blue);margin-bottom:8px}
.contact-section{padding-top:10px}
.cta{background:linear-gradient(105deg,var(--blue),var(--dark));border-radius:18px;color:#fff;padding:40px;display:flex;align-items:center;justify-content:space-between;gap:30px}
.cta h2{font-size:34px;letter-spacing:-.04em;margin:0 0 8px}
.cta p{margin:0;color:#dce8f1}
.cta-actions{display:flex;gap:10px;flex-wrap:wrap}
.white-button{background:#fff;color:var(--blue)}
.outline-white{border-color:#fff;color:#fff}
footer{background:#fafbfc;border-top:1px solid #e3e9ed;padding:42px 0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:34px}
.footer-logo{width:330px}
footer h3{font-size:14px;color:#173f60}
footer p,footer a{display:block;font-size:12px;color:#71808b;line-height:1.7;text-decoration:none;margin:0 0 5px}
.legal{border-top:1px solid #e3e9ed;margin-top:28px;padding-top:22px}

@media (max-width:900px){
  .menu-toggle{display:block}
  .main-nav{display:none;position:absolute;left:20px;right:20px;top:76px;background:#fff;border:1px solid var(--border);border-radius:12px;padding:12px;flex-direction:column;align-items:stretch;box-shadow:0 16px 40px rgba(20,60,90,.12)}
  .main-nav.open{display:flex}
  .brand img{width:min(340px,65vw)}
  .hero-grid,.rates-grid,.calculator-grid,.about-grid{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .hero-grid{padding:54px 0}
}
@media (max-width:600px){
  .container{width:min(100% - 30px,1180px)}
  .cards,.steps,.input-grid,.footer-grid{grid-template-columns:1fr}
  .rate-cards{grid-template-columns:1fr 1fr}
  .trust-grid{grid-template-columns:1fr 1fr}
  .trust-grid>div:nth-child(2){border-right:0}
  .cta{display:block;padding:28px}
  .cta-actions{margin-top:20px}
  .cta-actions .button{width:100%}
}

.profile-photo{
  border-radius:18px;
  overflow:hidden;
  border:1px solid var(--border);
  background:#fff;
}
.profile-photo img{
  width:100%;
  height:auto;
  display:block;
}

.professional-title{
  margin-top:-4px!important;
  font-weight:800;
  color:#405465!important;
}
.site-footer{
  background:#172633;
  color:#fff;
  margin-top:20px;
}
.footer-accent{
  height:5px;
  background:linear-gradient(90deg,#245f91 0%,#245f91 72%,#d51e78 72%,#74248f 100%);
}
.footer-main{
  display:grid;
  grid-template-columns:1.05fr 1.45fr .45fr;
  gap:42px;
  align-items:start;
  padding-top:38px;
  padding-bottom:32px;
}
.footer-brand .footer-logo{
  width:min(350px,100%);
  background:#fff;
  border-radius:8px;
  padding:6px;
  margin-bottom:18px;
}
.site-footer p,.site-footer a{
  color:#b9c7d1;
  font-size:13px;
  line-height:1.75;
  text-decoration:none;
}
.site-footer a:hover{color:#fff}
.site-footer .footer-name{
  color:#fff;
  font-size:17px;
  font-weight:900;
  margin:0;
}
.site-footer .footer-title{
  color:#d8e2e9;
  font-size:13px;
  font-weight:800;
  margin:0 0 8px;
}
.footer-compliance strong{color:#fff}
.footer-compliance .nmls-lines{
  border-top:1px solid rgba(255,255,255,.12);
  padding-top:12px;
  font-weight:800;
  color:#dce6ed;
}
.footer-links a{color:#7fb0d6}
.equal-housing{
  display:flex;
  flex-direction:column;
  align-items:center;
  text-align:center;
  color:#fff;
  font-size:10px;
  line-height:1.25;
  font-weight:800;
  text-transform:uppercase;
  letter-spacing:.05em;
}
.equal-housing svg{
  width:78px;
  height:78px;
  margin-bottom:6px;
}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.10);
  padding-top:16px;
  padding-bottom:20px;
  display:flex;
  justify-content:space-between;
  gap:20px;
  flex-wrap:wrap;
  color:#8799a7;
  font-size:11px;
}
@media(max-width:800px){
  .footer-main{grid-template-columns:1fr 1fr}
  .equal-housing{align-items:flex-start;text-align:left}
}
@media(max-width:560px){
  .footer-main{grid-template-columns:1fr}
}