:root{--navy:#0b1f33;--navy2:#102b47;--gold:#c6a15b;--cream:#f7f4ee;--ink:#182431;--muted:#607080;--white:#fff;--line:#d9dee3}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:'DM Sans',sans-serif;font-size:16px;line-height:1.65;background:var(--white)}a{color:inherit}h1,h2,h3,p{margin-top:0}h1,h2{font-family:'Libre Baskerville',serif;line-height:1.15}h1{font-size:clamp(2.55rem,6vw,5.3rem);max-width:850px;margin-bottom:1.4rem;letter-spacing:-.035em}h2{font-size:clamp(2rem,4vw,3.6rem);letter-spacing:-.025em}h3{font-size:1.2rem}.site-header{height:84px;display:flex;align-items:center;justify-content:space-between;padding:0 clamp(1.25rem,4vw,4.5rem);background:#fff;position:relative;z-index:10;border-bottom:1px solid #eef0f2}.brand,.footer-brand{display:flex;align-items:center;gap:.8rem;text-decoration:none}.brand-mark{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:var(--gold);font-family:'Libre Baskerville',serif;font-weight:700}.brand strong,.footer-brand strong{display:block;font-size:1rem}.brand small,.footer-brand small{display:block;color:var(--muted);font-size:.76rem}nav{display:flex;align-items:center;gap:2rem}nav a{text-decoration:none;font-weight:600;font-size:.9rem}.nav-cta{background:var(--navy);color:#fff;padding:.7rem 1rem}.menu{display:none}.hero{min-height:720px;position:relative;display:flex;align-items:center;color:#fff;isolation:isolate}.hero-image,.hero-overlay{position:absolute;inset:0}.hero-image{background:url('assets/home-hero.png') center/cover no-repeat;z-index:-2}.hero-overlay{z-index:-1;background:linear-gradient(90deg,rgba(5,19,33,.94) 0%,rgba(5,19,33,.78) 44%,rgba(5,19,33,.18) 74%,rgba(5,19,33,.05) 100%)}.hero-content{width:min(1300px,100%);padding:6rem clamp(1.5rem,7vw,7.5rem)}.eyebrow{text-transform:uppercase;letter-spacing:.17em;font-size:.75rem;font-weight:700;color:#ead6a6;margin-bottom:1.3rem}.eyebrow.dark{color:#876828}.eyebrow.light{color:#e3c889}.hero-copy{font-size:clamp(1.05rem,2vw,1.28rem);max-width:650px;color:#edf1f4;margin-bottom:2rem}.hero-actions{display:flex;gap:1rem;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:center;gap:.6rem;padding:.9rem 1.3rem;text-decoration:none;font-weight:700;min-height:52px}.button.primary{background:var(--gold);color:var(--navy)}.button.secondary{border:1px solid rgba(255,255,255,.6);color:#fff}.trust-line{margin:2rem 0 0;max-width:660px;color:#ced7df;font-size:.9rem}.section-pad{padding:clamp(4.5rem,8vw,8rem) clamp(1.5rem,7vw,7.5rem)}.intro{display:grid;grid-template-columns:1fr 1fr;gap:clamp(3rem,7vw,7rem);max-width:1500px;margin:auto}.intro h2{max-width:650px}.intro-copy>p{font-size:1.12rem;color:var(--muted)}blockquote{margin:2rem 0 0;padding:1.7rem 2rem;border-left:3px solid var(--gold);background:var(--cream);font-family:'Libre Baskerville',serif;font-size:1.05rem}cite{display:block;margin-top:.8rem;font-family:'DM Sans',sans-serif;font-size:.8rem;font-style:normal;font-weight:700;color:#876828}.loan-section{background:var(--navy);color:#fff}.section-heading{max-width:750px;margin-bottom:3.5rem}.section-heading>p:last-child{color:#b8c4d0;font-size:1.08rem}.section-heading.compact{max-width:760px}.loan-grid{display:grid;grid-template-columns:repeat(3,1fr);max-width:1450px;border-top:1px solid rgba(255,255,255,.2);border-left:1px solid rgba(255,255,255,.2)}.loan-grid article{padding:2.1rem;border-right:1px solid rgba(255,255,255,.2);border-bottom:1px solid rgba(255,255,255,.2);min-height:250px}.loan-grid article>span{color:var(--gold);font-family:'Libre Baskerville',serif}.loan-grid h3{font-family:'Libre Baskerville',serif;font-size:1.4rem;margin-top:2rem}.loan-grid p{color:#bec9d3;margin:0}.fine-print{font-size:.78rem;color:#8fa0af;margin:1.5rem 0 0}.process{max-width:1500px;margin:auto}.steps{list-style:none;padding:0;margin:3rem 0;display:grid;grid-template-columns:repeat(4,1fr);counter-reset:step}.steps li{counter-increment:step;padding:1.6rem;border-top:2px solid var(--line);position:relative}.steps li:before{content:'0' counter(step);display:block;font-family:'Libre Baskerville',serif;color:#9b762f;font-size:1rem;margin-bottom:2rem}.steps strong{display:block;font-family:'Libre Baskerville',serif;font-size:1.12rem;margin-bottom:.65rem}.steps span{display:block;color:var(--muted)}.text-link,.all-links{display:inline-flex;align-items:center;gap:.65rem;font-weight:700;text-decoration:none;border-bottom:1px solid var(--gold);padding-bottom:.3rem}.resources{background:var(--cream)}.resource-groups{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;max-width:1450px}.resource-group{background:#fff;padding:2rem}.resource-group h3{font-family:'Libre Baskerville',serif;border-bottom:2px solid var(--gold);padding-bottom:1rem;margin-bottom:.5rem}.resource-group a{display:flex;justify-content:space-between;gap:1rem;padding:1rem 0;border-bottom:1px solid var(--line);text-decoration:none}.resource-group a:hover span{text-decoration:underline}.resource-group b{color:#94722d}.all-links{margin-top:2.2rem}.closing{text-align:center;background:var(--navy2);color:#fff;padding:clamp(4.5rem,8vw,7rem) 1.5rem}.closing h2{margin-bottom:1rem}.closing>p:not(.eyebrow){color:#c8d3dd}.center{justify-content:center;margin-top:2rem}.gold{background:var(--gold);color:var(--navy)}.outline{border:1px solid #8fa0af;color:#fff}footer{padding:2.5rem clamp(1.5rem,7vw,7.5rem);display:grid;grid-template-columns:1.2fr 1fr 2fr;align-items:center;gap:2rem;background:#061422;color:#c5cdd4;font-size:.78rem}.footer-brand .brand-mark{background:#fff}.footer-brand strong{color:#fff}.legal{color:#8998a6}.button,.nav-cta,.resource-group a,.text-link,.all-links{transition:transform .18s ease,background .18s ease}.button:hover,.nav-cta:hover{transform:translateY(-2px)}.resource-group a:hover,.text-link:hover,.all-links:hover{color:#76591f}@media(max-width:900px){.site-header{height:72px}.menu{display:block;border:1px solid var(--line);background:#fff;padding:.55rem .8rem;font:inherit;font-weight:600}nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:1rem 1.5rem 1.5rem;border-bottom:1px solid var(--line);gap:.3rem}nav.open{display:flex}nav a{padding:.75rem}.hero{min-height:680px}.hero-overlay{background:linear-gradient(90deg,rgba(5,19,33,.94),rgba(5,19,33,.66))}.intro{grid-template-columns:1fr}.loan-grid{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.resource-groups{grid-template-columns:1fr}footer{grid-template-columns:1fr}}@media(max-width:560px){.brand small{display:none}.hero{min-height:650px}.hero-content{padding-top:4rem;padding-bottom:4rem}.button{width:100%}.loan-grid{grid-template-columns:1fr}.loan-grid article{min-height:0}.steps{grid-template-columns:1fr}.section-pad{padding-left:1.25rem;padding-right:1.25rem}.resource-group{padding:1.35rem}.hero-image{background-position:62% center}}