:root{
  --ink:#0B1B2B; --ink-2:#3A4756; --muted:#5B6776;
  --black:#0A0F14; --navy:#0B1B2B; --navy-2:#13293F;
  --blue:#0096D7; --blue-btn:#0072B1; --blue-btn-h:#005E92; --blue-tint:#E6F4FB;
  --bg:#FFFFFF; --bg-2:#F4F6F8; --line:#DCE2E8;
  --radius:14px; --wrap:1180px;
  --display:'Big Shoulders Display', 'Arial Narrow', sans-serif;
  --body:'Barlow', system-ui, -apple-system, 'Segoe UI', sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--body);font-size:18px;line-height:1.6;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue-btn)}a:hover{color:var(--blue-btn-h)}
h1,h2,h3{font-family:var(--display);font-weight:900;line-height:1.02;letter-spacing:.005em;margin:0 0 .4em;text-transform:uppercase}
h1{font-size:clamp(36px,5.2vw,64px)}
h2{font-size:clamp(32px,4.2vw,52px)}
h3{font-size:clamp(22px,2.4vw,28px);font-weight:800}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.eyebrow{font-weight:700;font-size:14px;letter-spacing:.18em;text-transform:uppercase;color:var(--blue-btn);margin-bottom:10px}
.on-dark .eyebrow{color:var(--blue)}
.lead{font-size:clamp(18px,2vw,21px);color:var(--ink-2);max-width:60ch}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:10px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px;padding:12px 24px;border-radius:10px;font-weight:700;font-size:17px;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:var(--body);transition:background .15s,color .15s,border-color .15s}
.btn-primary{background:var(--blue-btn);color:#fff}.btn-primary:hover{background:var(--blue-btn-h);color:#fff}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}.btn-ghost:hover{background:var(--ink);color:#fff}
.on-dark .btn-ghost{color:#fff;border-color:#fff}.on-dark .btn-ghost:hover{background:#fff;color:var(--ink)}
.btn svg{width:20px;height:20px}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}

/* Top bar */
.topbar{background:var(--black);color:#C9D3DC;font-size:14px}
.topbar .wrap{display:flex;flex-wrap:wrap;gap:6px 22px;justify-content:space-between;align-items:center;padding-top:8px;padding-bottom:8px}
.topbar a{color:#fff;text-decoration:none;font-weight:600}.topbar a:hover{color:var(--blue)}
.topbar .nmls{opacity:.85}
@media (max-width:600px){.topbar .nmls{display:none}}

/* Header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:84px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand img{height:62px;width:auto}
.brand span{font-family:var(--display);font-weight:900;font-size:22px;line-height:1;text-transform:uppercase}
.brand small{display:block;font-family:var(--body);font-weight:600;font-size:12px;letter-spacing:.14em;color:var(--muted);margin-top:4px}
.nav{display:flex;align-items:center;gap:6px}
.nav a.nav-link{color:var(--ink);text-decoration:none;font-weight:600;padding:10px 12px;border-radius:8px;font-size:17px}
.nav a.nav-link:hover,.nav a.nav-link[aria-current=page]{background:var(--bg-2);color:var(--blue-btn)}
.nav .btn{margin-left:8px;min-height:46px;padding:10px 18px}
.menu-toggle{display:none}
@media (max-width:980px){
  .brand span{display:none}
  .menu-toggle{display:inline-flex;align-items:center;gap:8px;min-height:46px;padding:8px 14px;border:2px solid var(--ink);border-radius:10px;background:#fff;font:700 16px var(--body);color:var(--ink);cursor:pointer}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 20px;border-bottom:1px solid var(--line);box-shadow:0 12px 24px rgba(11,27,43,.08)}
  .nav.open{display:flex}
  .nav a.nav-link{padding:14px 8px;border-bottom:1px solid var(--bg-2)}
  .nav .btn{margin:12px 0 0}
}

/* Hero */
.hero{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;bottom:-40px;width:620px;height:300px;background:url(/assets/house-white.webp) no-repeat center/contain;opacity:.05;pointer-events:none}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:48px;align-items:center;padding-top:64px;padding-bottom:72px;position:relative;z-index:1}
.hero h1 span{color:var(--blue)}
.hero .lead{color:#C9D3DC}
.hero-points{list-style:none;padding:0;margin:22px 0 28px;display:grid;gap:10px}
.hero-points li{display:flex;gap:10px;align-items:flex-start;font-weight:600}
.hero-points svg{flex:none;width:24px;height:24px;color:var(--blue);margin-top:2px}
.hero-sm .wrap{grid-template-columns:minmax(0,1fr) minmax(0,420px);padding-top:52px;padding-bottom:56px}
@media (max-width:900px){.hero .wrap,.hero-sm .wrap{grid-template-columns:minmax(0,1fr);gap:32px;padding-top:40px;padding-bottom:48px}}

/* Lead form card */
.form-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:28px;box-shadow:0 20px 50px rgba(0,0,0,.28)}
.form-card h2{font-size:32px;margin-bottom:4px}
.form-card .sub{color:var(--muted);font-size:16px;margin-bottom:18px}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.field label{font-weight:700;font-size:15px}
.field input,.field select,.field textarea{font:400 17px var(--body);color:var(--ink);padding:12px 14px;border:1.5px solid #B9C3CD;border-radius:10px;background:#fff;min-height:50px;width:100%}
.field textarea{min-height:110px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid rgba(0,150,215,.35);border-color:var(--blue-btn)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:480px){.two{grid-template-columns:1fr}}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;line-height:1.45;color:var(--muted);margin:4px 0 16px}
.consent input{margin-top:3px;width:18px;height:18px;flex:none}
.form-card .btn{width:100%}
.hp{position:absolute;left:-5000px}
.form-note{font-size:13px;color:var(--muted);margin-top:10px;text-align:center}

/* Sections */
.section{padding:84px 0}
.section-sm{padding:56px 0}
.bg-2{background:var(--bg-2)}
.on-dark{background:var(--navy);color:#fff}
.on-dark .lead{color:#C9D3DC}
.section-head{max-width:760px;margin-bottom:40px}
.center{text-align:center;margin-left:auto;margin-right:auto}

/* Paths */
.paths{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
@media (max-width:860px){.paths{grid-template-columns:1fr}}
.path{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;display:flex;flex-direction:column;gap:10px;text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s}
.path:hover{border-color:var(--blue-btn);transform:translateY(-2px);color:var(--ink)}
.path .icon{width:52px;height:52px;border-radius:12px;background:var(--blue-tint);display:grid;place-items:center;color:var(--blue-btn)}
.path .icon svg{width:28px;height:28px}
.path h3{margin:6px 0 0}
.path p{color:var(--ink-2);margin:0;flex:1}
.path .go{font-weight:700;color:var(--blue-btn)}

/* Meet Brad */
.meet{display:grid;grid-template-columns:minmax(0,320px) minmax(0,1fr);gap:48px;align-items:center}
.meet img{border-radius:var(--radius);width:100%;max-width:320px;background:#111}
@media (max-width:760px){.meet{grid-template-columns:1fr}.meet img{max-width:240px}}
.facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:22px 0 26px}
@media (max-width:600px){.facts{grid-template-columns:1fr}}
.fact{border-left:4px solid var(--blue);padding:6px 0 6px 14px}
.fact b{display:block;font-family:var(--display);font-size:26px;line-height:1.05;text-transform:uppercase}
.fact span{font-size:15px;color:var(--ink-2)}
.on-dark .fact span{color:#C9D3DC}

/* Loan grid */
.loans{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
@media (max-width:980px){.loans{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:520px){.loans{grid-template-columns:1fr}}
.loan{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;gap:6px}
.loan:hover{border-color:var(--blue-btn);color:var(--ink)}
.loan b{font-family:var(--display);font-size:24px;text-transform:uppercase;line-height:1.05}
.loan span{font-size:15px;color:var(--ink-2)}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;counter-reset:s}
@media (max-width:860px){.steps{grid-template-columns:1fr}}
.steps .step{position:relative;padding-top:64px}
.steps .step::before{counter-increment:s;content:counter(s);position:absolute;top:0;left:0;width:48px;height:48px;border-radius:50%;background:var(--blue);color:#fff;font:900 26px var(--display);display:grid;place-items:center}
.steps .step p{color:#C9D3DC;margin:0}

/* Areas */
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{display:inline-flex;align-items:center;min-height:46px;padding:10px 18px;border-radius:999px;border:1.5px solid var(--line);background:#fff;text-decoration:none;font-weight:700;color:var(--ink)}
.chip:hover{border-color:var(--blue-btn);color:var(--blue-btn)}

/* FAQ */
.faq{max-width:860px}
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;list-style:none;font-weight:700;font-size:19px;padding:16px 36px 16px 0;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:10px;font:900 28px var(--display);color:var(--blue-btn)}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--ink-2);margin:0 0 18px}

/* CTA band */
.cta-band{background:var(--blue-btn);color:#fff;padding:56px 0}
.cta-band .wrap{display:flex;flex-wrap:wrap;gap:24px;align-items:center;justify-content:space-between}
.cta-band h2{margin:0}
.cta-band .btn-primary{background:#fff;color:var(--ink)}.cta-band .btn-primary:hover{background:var(--ink);color:#fff}
.cta-band .btn-ghost{border-color:#fff;color:#fff}.cta-band .btn-ghost:hover{background:#fff;color:var(--ink)}

/* Content pages */
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,380px);gap:56px;align-items:start}
@media (max-width:940px){.content-grid{grid-template-columns:1fr}}
.prose h2{font-size:clamp(28px,3.4vw,40px);margin-top:1.4em}
.prose h2:first-child{margin-top:0}
.prose ul{padding-left:1.2em}.prose li{margin-bottom:.45em}
.sidebar{position:sticky;top:110px}
.sidebar .form-card{box-shadow:0 10px 30px rgba(11,27,43,.12);border:1px solid var(--line)}
.callout{background:var(--blue-tint);border-radius:12px;padding:20px 22px;margin:24px 0}
.callout p:last-child{margin:0}
.breadcrumb{font-size:14px;color:#C9D3DC;margin-bottom:14px}
.breadcrumb a{color:#fff}

/* Footer */
.site-footer{background:var(--black);color:#AEB9C4;font-size:15px;padding:56px 0 110px}
.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{color:var(--blue)}
.foot-grid{display:grid;grid-template-columns:minmax(0,1.3fr) repeat(3,minmax(0,1fr));gap:32px;margin-bottom:36px}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}
.foot-grid h3{color:#fff;font-size:20px;margin-bottom:12px}
.foot-grid ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.foot-logo{width:170px;margin-bottom:14px}
.legal{border-top:1px solid #24313E;padding-top:24px;font-size:13px;line-height:1.6;display:flex;flex-wrap:wrap;gap:16px 28px;align-items:flex-start}
.legal .ehl{display:flex;gap:10px;align-items:center;flex:none}
.legal .ehl svg{width:42px;height:42px;color:#fff}
.legal p{margin:0;flex:1;min-width:260px}
@media (min-width:861px){.site-footer{padding-bottom:56px}}

/* Mobile action bar */
.action-bar{position:fixed;left:0;right:0;bottom:0;z-index:60;display:none;grid-template-columns:1fr 1fr;gap:10px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);box-shadow:0 -8px 24px rgba(11,27,43,.1)}
.action-bar .btn{min-height:50px;padding:10px}
@media (max-width:860px){.action-bar{display:grid}}

.thanks{min-height:60vh;display:flex;align-items:center}

/* Team */
.team{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
@media (max-width:860px){.team{grid-template-columns:1fr}}
.member{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:grid;grid-template-columns:minmax(0,200px) minmax(0,1fr)}
@media (max-width:520px){.member{grid-template-columns:1fr}.member img{max-height:340px}}
.member img{width:100%;height:100%;object-fit:cover;object-position:top center;background:#E9EDF1;aspect-ratio:290/400}
.member-body{padding:24px;display:flex;flex-direction:column;gap:8px}
.member-body h2,.member-body h3{font-size:32px;margin:0}
.member .role{color:var(--blue-btn);font-weight:700;margin:0}
.member-body p{margin:0;color:var(--ink-2);font-size:17px}
.member .tags{list-style:none;padding:0;margin:6px 0 10px;display:flex;flex-wrap:wrap;gap:6px}
.member .tags li{background:var(--blue-tint);color:var(--ink);font-size:14px;font-weight:600;padding:4px 10px;border-radius:999px}
.member .btn{align-self:flex-start;margin-top:auto}

/* Programs / landing pages */
.paths.four{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:1100px){.paths.four{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.paths.four{grid-template-columns:1fr}}
.programs{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
@media (max-width:900px){.programs{grid-template-columns:1fr}}
.program{background:var(--navy-2);border:1px solid #24405C;border-radius:var(--radius);padding:26px;text-decoration:none;color:#fff;display:flex;flex-direction:column;gap:10px}
.program:hover{border-color:var(--blue);color:#fff}
.program h3{margin:0;font-size:30px}
.program p{color:#C9D3DC;margin:0;flex:1;font-size:16px}
.program .go{color:var(--blue);font-weight:700}
.tag{align-self:flex-start;display:inline-block;background:rgba(0,150,215,.16);color:#7FD1F5;font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase;padding:4px 10px;border-radius:999px}
.mini{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;margin:4px 0}
.mini div{background:rgba(255,255,255,.05);border-radius:10px;padding:10px}
.mini b{display:block;font:900 26px/1 var(--display);color:var(--blue)}
.mini span{font-size:13px;color:#9FB0C0}
.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:22px 0 26px}
@media (max-width:600px){.stats{grid-template-columns:repeat(2,minmax(0,1fr))}}
.stat{border:1px solid rgba(0,150,215,.45);background:rgba(0,150,215,.08);border-radius:12px;padding:14px 12px;text-align:center}
.stat b{display:block;font:900 clamp(26px,3vw,34px)/1 var(--display);color:var(--blue)}
.stat span{display:block;font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;margin-top:6px;color:#C9D3DC}
.prose .stat span,.bg-2 .stat span{color:var(--ink-2)}
.prose .stat b{color:var(--blue-btn)}
.checks{list-style:none;padding:0;margin:0 0 8px;display:grid;gap:10px}
.checks li{position:relative;padding-left:32px}
.checks li::before{content:"";position:absolute;left:0;top:4px;width:20px;height:20px;border-radius:50%;background:var(--blue-tint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230072B1' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") no-repeat center/12px}
.two-col{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;align-items:start}
@media (max-width:900px){.two-col{grid-template-columns:1fr}}
.two-col > .checks{grid-template-columns:1fr}
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 10px 30px rgba(11,27,43,.08)}
.calc-head{display:flex;gap:14px;align-items:center;margin-bottom:16px}
.calc-head .icon{width:48px;height:48px;border-radius:12px;background:var(--blue-tint);color:var(--blue-btn);display:grid;place-items:center;flex:none}
.calc-head svg{width:26px;height:26px}
.calc-head h3{margin:0}.calc-head p{margin:0;color:var(--muted);font-size:15px}
.calc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 12px}
@media (max-width:480px){.calc-grid{grid-template-columns:1fr}}
.calc-out{background:var(--navy);color:#fff;border-radius:12px;padding:18px 20px;display:flex;flex-wrap:wrap;gap:6px 18px;align-items:center;justify-content:space-between;margin-top:6px}
.calc-out span{display:block;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:#9FB0C0;font-weight:700}
.calc-out b{font:900 44px/1 var(--display);color:var(--blue)}
.calc-out p{margin:0;font-weight:600;max-width:260px;font-size:16px}
.fine{font-size:13px;color:var(--muted);line-height:1.5;margin:10px 0 0}
.guide-badge{display:inline-flex;align-items:center;gap:8px;background:var(--blue-tint);color:var(--blue-btn-h);font-weight:700;font-size:14px;padding:6px 12px;border-radius:999px;margin-bottom:12px}
.guide-badge svg{width:16px;height:16px}
.compare{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
@media (max-width:860px){.compare{grid-template-columns:1fr}}
.opt{border:1px solid var(--line);border-radius:var(--radius);padding:28px;display:flex;flex-direction:column;gap:12px}
.opt .tag{background:var(--blue-tint);color:var(--blue-btn-h)}
.opt h3{margin:0}
.opt .best{margin:auto 0 0;padding-top:12px;border-top:1px solid var(--line);color:var(--ink-2)}
.calc-grid .field:has(select){grid-column:1/-1}
.member .btn-row{margin-top:auto;align-items:center}
.member .btn-row .btn{margin-top:0}
.email-link{font-weight:700;word-break:break-all}

/* Popup */
.promo{position:fixed;z-index:80;right:24px;bottom:24px;width:min(400px,calc(100vw - 32px));background:#fff;color:var(--ink);border-radius:16px;padding:28px 26px 22px;box-shadow:0 24px 60px rgba(11,27,43,.35);border-top:6px solid var(--blue);opacity:0;transform:translateY(20px);transition:opacity .25s,transform .25s}
.promo.in{opacity:1;transform:none}
.promo h2{font-size:30px;margin:6px 0 8px}
.promo p{font-size:16px;color:var(--ink-2);margin:0 0 16px}
.promo .btn{width:100%}
.promo-tag{display:inline-block;background:var(--blue-tint);color:var(--blue-btn-h);font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase;padding:4px 10px;border-radius:999px}
.promo-x{position:absolute;top:8px;right:8px;width:44px;height:44px;border:0;background:transparent;font-size:28px;line-height:1;color:var(--muted);cursor:pointer;border-radius:10px}
.promo-x:hover{background:var(--bg-2);color:var(--ink)}
.promo-no{display:block;margin:8px auto 0;background:none;border:0;color:var(--muted);font:600 14px var(--body);cursor:pointer;min-height:44px;text-decoration:underline}
.promo.sheet{left:0;right:0;bottom:0;width:auto;border-radius:16px 16px 0 0;padding:20px 20px calc(16px + env(safe-area-inset-bottom));z-index:90}
.promo.sheet h2{font-size:24px;padding-right:40px}
.promo.sheet p{font-size:15px;margin-bottom:12px}
/* Multi-step forms */
.step{border:0;padding:0;margin:0;min-width:0}
.step legend{font-weight:700;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--blue-btn);margin-bottom:10px;padding:0}
.progress{height:6px;background:var(--bg-2);border-radius:99px;margin:0 0 16px;overflow:hidden;display:none}
.stepped .progress{display:block}
.progress span{display:block;height:100%;width:33%;background:var(--blue-btn);transition:width .25s}
.step-nav{display:flex;gap:10px}
.step-nav .btn{flex:1}
.step-nav [hidden]{display:none}
form:not(.stepped) [data-back],form:not(.stepped) [data-next]{display:none}
.choices{border:0;padding:0;margin:0 0 14px}
.choices legend{font-weight:700;font-size:15px;margin-bottom:8px}
.choice{display:flex;gap:10px;align-items:flex-start;border:1.5px solid var(--line);border-radius:10px;padding:12px;margin-bottom:8px;cursor:pointer;font-size:16px}
.choice input{width:20px;height:20px;margin-top:2px;flex:none}

/* Black header to match the main logo */
.site-header{background:#000;border-bottom:1px solid #1C2733}
.brand img{height:76px;width:76px}
.site-header .wrap{min-height:92px}
.nav a.nav-link{color:#fff}
.nav a.nav-link:hover,.nav a.nav-link[aria-current=page]{background:#141C24;color:var(--blue)}
.site-footer{background:#000}
.foot-logo{width:190px}
@media (max-width:980px){
  .menu-toggle{background:#000;color:#fff;border-color:#fff}
  .nav{background:#000;border-bottom-color:#1C2733}
  .nav a.nav-link{border-bottom-color:#141C24}
}
.brand img{height:100px;width:100px}
.site-header .wrap{min-height:112px}
.sidebar{top:130px}
@media (max-width:980px){.brand img{height:76px;width:76px}.site-header .wrap{min-height:88px}}
.h1-sub{display:block;font-size:.62em;line-height:1.08;margin-top:.12em}

/* Mortgage Game Plan form */
.game-plan h2{font-size:clamp(28px,3vw,34px);margin:2px 0 8px}
.game-plan .sub{margin-bottom:10px}
.game-plan .sub.small{font-size:14px;font-weight:600;color:var(--ink-2);margin-bottom:16px}
.step-count{font-weight:700;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--blue-btn);padding:0;margin-bottom:6px}
.btn-block{width:100%}
.trust{display:flex;flex-wrap:wrap;justify-content:center;gap:4px 14px;font-size:14px;font-weight:600;color:var(--ink-2);margin:12px 0 0}
.link-back{display:block;margin:8px auto 0;background:none;border:0;color:var(--muted);font:600 15px var(--body);cursor:pointer;min-height:44px}
.link-back:hover{color:var(--ink)}
.talk-now{text-align:center;font-size:15px;color:var(--ink-2);border-top:1px solid var(--line);padding-top:14px;margin:16px 0 0}
.talk-now a{font-weight:700;white-space:nowrap}
.lead-strong{color:#fff !important;font-weight:600;margin-bottom:6px}
.hero-points.qa li span b{color:#fff}
.hero-points.qa li{font-weight:500;color:#DCE4EB}
.hero-note{font-size:14px;color:#9FB0C0;margin:12px 0 0}
.game-plan{scroll-margin-top:130px}

/* Top Notch Build */
.tnb{background:var(--navy);color:#fff}
.tnb .lead{color:#C9D3DC}
.tnb-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-bottom:48px}
@media (max-width:960px){.tnb-cards{grid-template-columns:1fr}}
.tnb-card{background:var(--navy-2);border:1px solid #24405C;border-radius:var(--radius);padding:26px;display:flex;flex-direction:column;gap:10px}
.tnb-card.featured{border-color:var(--blue);box-shadow:0 0 0 1px var(--blue) inset}
.tnb-card h3{margin:0;font-size:30px}
.tnb-card p{color:#C9D3DC;margin:0;font-size:16px}
.tnb-card .star{font-size:13px;color:#9FB0C0}
.tnb-card .go{margin-top:auto;padding-top:6px;color:var(--blue);font-weight:700;text-decoration:none}
.tnb-card .go:hover{color:#fff}
.tnb .mini b{font-size:24px}
.tnb-ready{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:40px;align-items:start;background:#fff;color:var(--ink);border-radius:var(--radius);padding:34px}
@media (max-width:860px){.tnb-ready{grid-template-columns:1fr;padding:24px}}
.tnb-ready h2{font-size:clamp(28px,3.2vw,40px)}
.tnb-ready .lead{color:var(--ink-2)}
.tnb-ready .typ{font-weight:700;margin-bottom:10px}
.tnb .fine{color:#9FB0C0}
.bg-2 .tnb-ready{border:1px solid var(--line)}
.hero-link{color:#7FD1F5;font-weight:700}
.hero-link:hover{color:#fff}
.programs{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:1100px){.programs{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.programs{grid-template-columns:1fr}}
.program .mini b{font-size:22px}
.tnb{background:#050B12;border-top:1px solid #16263A}
.program .mini span,.tnb .mini span{font-size:12px;line-height:1.3;display:block}

/* Team v2: compact headshots */
.member{display:flex;flex-direction:column;gap:14px;padding:26px;grid-template-columns:none}
.member-top{display:flex;gap:16px;align-items:center}
.member-top img{width:104px;height:104px;border-radius:50%;object-fit:cover;object-position:center 15%;aspect-ratio:1;flex:none;background:#E9EDF1;border:3px solid var(--blue-tint)}
.member-top h2,.member-top h3{font-size:30px;margin:0}
.member > p{margin:0;color:var(--ink-2);font-size:17px}
.member .tags{margin:0}
.member-contact{display:flex;flex-wrap:wrap;gap:10px 18px;align-items:center;margin-top:auto}
.approach{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:0 0 28px}
@media (max-width:820px){.approach{grid-template-columns:1fr}}
.approach > div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px 22px}
.approach span{display:inline-grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--blue-btn);color:#fff;font:900 20px var(--display);margin-bottom:8px}
.approach h3{margin:0 0 4px;font-size:24px}
.approach p{margin:0;color:var(--ink-2);font-size:16px}
.section:not(.bg-2) .approach > div{background:var(--bg-2)}
@media (max-width:520px){.member-top img{width:80px;height:80px}.member-top h2,.member-top h3{font-size:26px}.member{padding:20px}}

/* How-it-works numbers: badge above heading, never overlapping */
.steps .step{padding-top:0;position:static}
.steps .step::before{position:static;display:grid;margin-bottom:14px}
.steps .step h3{margin-bottom:8px}
.area-groups{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:24px 32px}
.area-group h3{font-size:20px;margin:0 0 10px;color:var(--blue-btn)}
.region-h{font-size:28px;margin:28px 0 14px}
.region-h:first-child{margin-top:0}
.area-groups{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px}.area-group .chip{white-space:nowrap}.area-group .chips{flex-direction:column;align-items:flex-start}

/* CTA band v2 */
.cta-band{padding:64px 0;background:linear-gradient(0deg,var(--blue-btn),var(--blue-btn))}
.cta-band .wrap{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:32px;align-items:center}
@media (max-width:900px){.cta-band .wrap{grid-template-columns:1fr}}
.cta-eyebrow{font-weight:700;font-size:13px;letter-spacing:.16em;text-transform:uppercase;color:#CDEBFA;margin-bottom:8px}
.cta-copy h2{margin:0 0 10px}
.cta-copy p{margin:0;font-size:19px;color:#E8F5FC;max-width:56ch}
.cta-actions{display:flex;flex-direction:column;gap:12px}
.cta-actions .btn{width:100%}
.btn-lg{min-height:58px;font-size:18px}
.cta-small{margin:2px 0 0;font-size:14px;color:#E8F5FC;text-align:center}
.cta-small a{color:#fff;font-weight:700}
[data-primary-form],#get-started{scroll-margin-top:130px}
/* ---------- Learning Center / SEO ---------- */
.learn-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.learn-grid.compact{grid-template-columns:1fr}
@media (max-width:980px){.learn-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.learn-grid{grid-template-columns:1fr}}
.learn-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;gap:8px;transition:border-color .15s,transform .15s}
.learn-card:hover{border-color:var(--blue,#0a7cc4);transform:translateY(-2px)}
.learn-card h3{font-size:22px;line-height:1.15;margin:0}
.learn-card p{margin:0;color:var(--ink-2);font-size:15px}
.learn-card .tag{align-self:flex-start;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--blue,#0a7cc4)}
.learn-card .go{margin-top:auto;font-weight:700;color:var(--blue,#0a7cc4)}
.learn-topic{margin:36px 0 14px;font-size:clamp(26px,3vw,34px)}
.learn-topic:first-child{margin-top:0}
.byline{display:flex;gap:12px;align-items:center;margin-top:14px;color:#c9d6e3;font-size:15px;line-height:1.45}
.byline img{border-radius:50%;object-fit:cover;width:44px;height:44px}
.byline a{color:#fff}
.quick-answer{background:#eaf5fc;border-left:5px solid var(--blue,#0a7cc4);border-radius:10px;padding:18px 20px;margin-bottom:22px}
.quick-answer p{margin:0;font-size:18px;line-height:1.55}
.qa-label{font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:13px;color:var(--blue,#0a7cc4);margin-bottom:6px}
.takeaways{border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin-bottom:10px}
.prose .takeaways h2{font-size:22px;margin:0 0 8px}
.formula{font-weight:800;font-size:20px;background:#0B1B2B;color:#fff;border-radius:10px;padding:16px 20px;margin:14px 0;text-align:center}
.table-wrap{overflow-x:auto;margin:14px 0}
.table-wrap table{width:100%;border-collapse:collapse;font-size:15px;min-width:460px}
.table-wrap th,.table-wrap td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.table-wrap thead th{background:#0B1B2B;color:#fff}
.table-wrap tbody th{background:#f4f7fa}
.article-cta{display:flex;gap:18px;align-items:center;justify-content:space-between;background:#0B1B2B;color:#fff;border-radius:14px;padding:22px;margin:30px 0}
.article-cta p{margin:4px 0 0;color:#c9d6e3}
@media (max-width:620px){.article-cta{flex-direction:column;align-items:flex-start}}
.facts-list{display:grid;grid-template-columns:max-content 1fr;gap:8px 18px;margin:0 0 12px}
.facts-list dt{font-weight:700}
.facts-list dd{margin:0}
@media (max-width:620px){.facts-list{grid-template-columns:1fr}.facts-list dd{margin-bottom:8px}}
.member{scroll-margin-top:130px}
.content-grid>*{min-width:0}
/* ---------- Testimonials ---------- */
.tgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
@media (max-width:980px){.tgrid{grid-template-columns:1fr}}
.tcard{margin:0;background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px;display:flex;flex-direction:column;gap:14px;box-shadow:0 6px 20px rgba(11,27,43,.06)}
.tcard .stars{color:#F5B301;font-size:20px;letter-spacing:2px}
.tcard blockquote{margin:0;font-size:17px;line-height:1.6;color:var(--ink)}
.tcard figcaption{margin-top:auto;display:flex;flex-direction:column;gap:2px;border-top:1px solid var(--line);padding-top:12px}
.tcard figcaption span{color:var(--ink-2);font-size:15px}
.tcard figcaption small{color:var(--muted,#6b7a8a);font-size:13px}
.treview{margin-top:22px;text-align:center}
.bg-2 .treview .btn-ghost,.section .treview .btn-ghost{color:var(--ink);border-color:var(--ink)}
/* ---------- Messenger button ---------- */
.msg-fab{position:fixed;right:24px;bottom:24px;z-index:70;display:inline-flex;align-items:center;gap:8px;background:#0A7CFF;color:#fff;text-decoration:none;font-weight:700;padding:12px 18px 12px 14px;border-radius:999px;box-shadow:0 10px 28px rgba(11,27,43,.28);transition:transform .15s}
.msg-fab:hover{transform:translateY(-2px)}
.msg-fab svg{width:22px;height:22px}
@media (max-width:860px){.msg-fab{display:none}}
.action-bar{grid-template-columns:1fr 1fr 1fr}
.action-bar .btn{font-size:15px;gap:6px}
.action-bar .btn svg{width:18px;height:18px}
.btn-messenger{background:#0A7CFF;color:#fff;border:2px solid #0A7CFF}
.btn-messenger:hover{background:#0866d6;border-color:#0866d6;color:#fff}
.btn-messenger svg,.contact-quick .btn svg{width:20px;height:20px}
.contact-quick{margin:6px 0 18px}
.hero-points li{flex-wrap:wrap;min-width:0;overflow-wrap:anywhere}.hero-points li a{overflow-wrap:anywhere;word-break:break-word}@media (max-width:520px){.hero-points li{font-size:16px}}
.hero-points li{display:block;position:relative;padding-left:34px}.hero-points li>svg{position:absolute;left:0;top:1px;margin:0}
.msg-fab{right:auto;left:24px}
/* ---------- Calculators ---------- */
.cx .card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 10px 30px rgba(11,27,43,.06)}
.cx-tabs{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:22px}
.cx-tabs button{display:inline-flex;align-items:center;gap:8px;font:inherit;font-weight:700;font-size:16px;padding:12px 18px;border-radius:999px;border:2px solid var(--line);background:#fff;color:var(--ink);cursor:pointer}
.cx-tabs button svg{width:20px;height:20px}
.cx-tabs button[aria-selected=true]{background:var(--navy,#0B1B2B);border-color:var(--navy,#0B1B2B);color:#fff}
.cx-panel{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:22px;align-items:start}
.cx-panel[hidden]{display:none}
@media (max-width:900px){.cx-panel{grid-template-columns:1fr}}
.cx-inputs h2,.cx-unlock h2{font-size:clamp(24px,2.6vw,32px);margin:0 0 4px}
.cx-inputs .sub{color:var(--muted);margin:0 0 18px}
.affix{display:flex;align-items:center;border:1px solid var(--line);border-radius:10px;background:#fff;overflow:hidden}
.affix:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px rgba(10,124,196,.15)}
.affix span{padding:0 12px;color:var(--muted);font-weight:700;white-space:nowrap}
.affix input{border:0!important;box-shadow:none!important;flex:1;min-width:0;padding:12px 10px;font-size:17px;outline:none;background:transparent}
.affix span+input{padding-left:0}
.field .hint{color:var(--muted);font-size:13px}
.cx-results{position:sticky;top:110px}
.cx-kicker{font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:13px;color:var(--muted)}
.cx-big{font-family:var(--display);font-size:clamp(44px,5vw,60px);font-weight:900;line-height:1;margin:6px 0 14px;color:var(--navy,#0B1B2B)}
.cx-bar{display:flex;height:14px;border-radius:99px;overflow:hidden;background:#eef2f6;margin-bottom:12px}
.cx-bar span{display:block;height:100%}
.cx-legend{list-style:none;padding:0;margin:0 0 16px;display:grid;gap:6px;font-size:15px}
.cx-legend li{display:flex;align-items:center;gap:8px}.cx-legend i{width:12px;height:12px;border-radius:3px;flex:none}.cx-legend b{margin-left:auto}
.cx-note{color:var(--muted);font-size:14px}
.cx-table{width:100%;border-collapse:collapse;font-size:15px;margin:8px 0}
.cx-table td,.cx-table th{padding:9px 6px;border-bottom:1px solid var(--line);text-align:left}
.cx-table td:not(:first-child),.cx-table th:not(:first-child){text-align:right;font-weight:700}
.cx-locked{position:relative}
.cx-blur{filter:blur(6px);user-select:none;pointer-events:none;opacity:.8}
.cx-locked::after{content:"Unlock below to see your full report";position:absolute;inset:0;display:grid;place-items:center;font-weight:800;color:var(--navy,#0B1B2B);text-align:center}
.cx-full h3{font-size:20px;margin:18px 0 6px}
.cx-scroll{max-height:320px;overflow:auto;border:1px solid var(--line);border-radius:10px}
.cx-amort{margin:0;font-size:14px}.cx-amort th{position:sticky;top:0;background:#f4f7fa}
.cx-unlock{margin-top:24px;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:26px;align-items:start;border-top:6px solid var(--blue)}
@media (max-width:900px){.cx-unlock{grid-template-columns:1fr}}
.cx-done{grid-column:1/-1}
.cx-done .btn-row{margin-top:12px}
.btn-ghost-dark{background:#fff;color:var(--navy,#0B1B2B);border:2px solid var(--navy,#0B1B2B)}
.cx-fine{margin-top:18px}
.nav-link,.nav .btn{white-space:nowrap}
@media (max-width:1240px) and (min-width:861px){.nav{gap:2px}.nav-link{font-size:15px;padding-left:9px;padding-right:9px}.nav .btn{padding-left:14px;padding-right:14px;font-size:15px}.brand img{width:64px;height:64px}}