:root{--blue:#0055a4;--navy:#062b59;--deep:#021d42;--gold:#ffc400;--gold2:#f5a900;--ink:#10233d;--muted:#5f6f86;--paper:#fffdfa;--soft:#f4f8ff;--line:#d9e4f2;--shadow:0 18px 50px rgba(3,38,82,.12);--radius:22px;--max:1180px;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}*{box-sizing:border-box}body{margin:0;background:var(--paper);color:var(--ink);line-height:1.65}a{color:var(--blue);text-decoration:none}img{max-width:100%;display:block}.container{width:min(var(--max),calc(100% - 32px));margin-inline:auto}.site-header{position:sticky;top:0;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-top:4px solid var(--blue);border-bottom:1px solid var(--line);z-index:50}.nav-wrap{display:flex;align-items:center;gap:22px;min-height:88px}.brand{width:214px;flex:0 0 auto}.brand img{height:74px;width:auto;object-fit:contain}.main-nav{display:flex;gap:18px;align-items:center;margin-left:auto}.nav-link{font-weight:800;color:#1c2a40;padding:10px 6px;white-space:nowrap;border-bottom:3px solid transparent}.nav-link.active,.nav-link:hover{color:var(--blue);border-color:var(--gold)}.header-cta{display:flex;gap:12px}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:12px 20px;font-weight:900;line-height:1.1;border:2px solid transparent;cursor:pointer}.btn-primary{background:var(--blue);color:#fff;border-color:var(--blue);box-shadow:0 10px 22px rgba(0,85,164,.18)}.btn-gold{background:var(--gold);color:#072a55}.btn-outline{background:#fff;color:var(--blue);border-color:#c5d8ed}.menu-toggle{display:none;background:#fff;border:1px solid var(--line);font-size:28px;border-radius:12px;padding:8px 12px}.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 80% 20%,#fff7c9 0,#fff7c900 32%),linear-gradient(135deg,#f7fbff 0%,#fff 45%,#fff6dc 100%);padding:82px 0 54px}.hero-grid{display:grid;grid-template-columns:1.03fr .97fr;gap:46px;align-items:center}.eyebrow{display:inline-flex;background:#fff;border:1px solid #dbe7f4;border-radius:999px;padding:8px 14px;font-size:13px;text-transform:uppercase;letter-spacing:.09em;font-weight:900;color:var(--blue)}h1,h2,h3{line-height:1.12;margin:0 0 16px;color:var(--deep)}h1{font-size:clamp(38px,5vw,70px);letter-spacing:-.04em}h2{font-size:clamp(28px,3.4vw,46px);letter-spacing:-.03em}h3{font-size:24px}.lead{font-size:clamp(18px,1.6vw,22px);color:#263a55;max-width:760px}.highlight{color:var(--blue)}.gold{color:var(--gold2)}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0}.trust-row{display:flex;gap:14px;flex-wrap:wrap}.pill{border:1px solid #dbe7f4;background:#fff;border-radius:999px;padding:10px 14px;font-weight:800;color:#27415f}.hero-card{background:#082d5f;color:#fff;border-radius:30px;padding:30px;box-shadow:var(--shadow);position:relative;isolation:isolate}.hero-card:before{content:"";position:absolute;inset:12px;border:1px solid rgba(255,196,0,.36);border-radius:22px;z-index:-1}.rate-badge{display:grid;grid-template-columns:1fr auto;gap:16px;align-items:center;background:#fff;color:var(--blue);border-radius:18px;padding:18px;margin-bottom:22px}.rate-badge strong{font-size:clamp(46px,7vw,76px);line-height:.9;color:#0a5198}.rate-badge span{font-weight:900}.visual-house{min-height:320px;border-radius:24px;background:linear-gradient(155deg,#f9fdff 0,#cfe5ff 100%);display:grid;place-items:center;position:relative;overflow:hidden;border:1px solid #d7e8fb}.house-svg{width:92%;max-width:520px}.section{padding:72px 0}.section-alt{background:linear-gradient(180deg,#f6faff,#fff)}.section-head{max-width:820px;margin:0 auto 32px;text-align:center}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 12px 32px rgba(3,38,82,.06)}.card h3{color:var(--blue)}.icon{width:54px;height:54px;border-radius:16px;display:grid;place-items:center;background:linear-gradient(135deg,var(--blue),#003d78);color:#fff;font-size:26px;margin-bottom:14px}.service-list{display:grid;gap:12px}.service-list a,.service-list li{list-style:none;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px 18px;font-weight:800}.cta-band{background:linear-gradient(135deg,var(--deep),var(--blue));color:#fff;border-radius:30px;padding:36px;display:grid;grid-template-columns:1fr auto;gap:22px;align-items:center;box-shadow:var(--shadow)}.cta-band h2,.cta-band h3{color:#fff}.cta-band p{margin:0;color:#d7e9ff}.form-panel{background:#fff;border:1px solid var(--line);border-radius:30px;box-shadow:var(--shadow);padding:30px}.lead-form h3{margin-bottom:18px}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}label{display:grid;font-weight:800;color:#203450;font-size:14px;gap:7px}input,select,textarea{width:100%;border:1px solid #cbd9ea;border-radius:14px;padding:14px 14px;font-size:16px;background:#fff;font:inherit}input:focus,select:focus,textarea:focus{outline:3px solid rgba(0,85,164,.12);border-color:var(--blue)}.check{display:flex;align-items:flex-start;gap:9px;margin:14px 0}.check input{width:auto;margin-top:5px}.hp{position:absolute;left:-9999px}.results{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:18px}.result-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px}.result-card b{display:block;font-size:14px;color:#53677f}.result-card strong{font-size:28px;color:var(--blue);line-height:1.2}.calculator-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:28px;align-items:start}.table-wrap{overflow:auto}.rate-table{width:100%;border-collapse:collapse;background:#fff;border-radius:18px;overflow:hidden;box-shadow:0 10px 28px rgba(3,38,82,.06)}.rate-table th{background:var(--blue);color:#fff}.rate-table th,.rate-table td{padding:14px;border:1px solid #dbe7f4;text-align:left}.faq{display:grid;gap:14px;max-width:900px;margin:auto}.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px}.faq summary{font-weight:900;cursor:pointer;color:var(--blue)}.breadcrumb{font-size:14px;margin-bottom:18px;color:#62718a}.page-hero{padding:58px 0;background:linear-gradient(135deg,#f7fbff,#fff6dc)}.content{max-width:900px}.content p{font-size:18px}.content ul{padding-left:20px}.local-links{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:20px}.local-links a{background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px;font-weight:800}.site-footer{background:#051f42;color:#d7e9ff;margin-top:72px;padding-top:48px}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:30px}.footer-logo{max-width:210px;background:#fff;border-radius:10px;margin-bottom:14px}.site-footer h3{color:#fff}.site-footer a{display:block;color:#d7e9ff;margin:8px 0}.footer-bottom{border-top:1px solid rgba(255,255,255,.16);padding:18px 0;margin-top:30px}.footer-bottom .container{display:flex;gap:18px;justify-content:space-between;align-items:center;font-size:13px}.floating-actions{display:none}.mini-note{font-size:13px;color:#5c6b7d}.badge-row{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0}.badge{background:#fff3c2;border:1px solid #f6d66e;color:#674c00;border-radius:999px;padding:8px 12px;font-weight:900}.loan-example{background:#fff;border-left:5px solid var(--gold);border-radius:16px;padding:18px;margin:18px 0}.comparison{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.comparison .card:nth-child(2){border-color:#ffdc6b;background:#fffbec}
@media(max-width:960px){.nav-wrap{min-height:auto;padding:12px 0}.brand{width:180px}.brand img{height:62px}.menu-toggle{display:block;margin-left:auto}.main-nav,.header-cta{display:none}.main-nav.open{display:grid;position:absolute;top:84px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:18px 24px;box-shadow:var(--shadow)}.hero-grid,.grid-2,.calculator-wrap,.cta-band{grid-template-columns:1fr}.grid-3{grid-template-columns:1fr 1fr}.results{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.local-links{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.container{width:min(100% - 22px,var(--max))}.hero{padding:42px 0}.grid-3,.form-grid,.results,.footer-grid,.local-links,.comparison{grid-template-columns:1fr}.card,.form-panel{padding:20px}.header-cta{display:none}.floating-actions{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:12px;right:12px;bottom:12px;z-index:60;border-radius:999px;overflow:hidden;box-shadow:var(--shadow)}.floating-actions a{padding:14px;text-align:center;font-weight:900;color:#fff;background:var(--blue)}.floating-actions a+ a{background:#0aa34f}.site-footer{padding-bottom:74px}.footer-bottom .container{display:block}.rate-badge{grid-template-columns:1fr}.cta-band{padding:24px}.lead{font-size:17px}h1{font-size:42px}}

/* Sleeker header CTA buttons */
.header-cta{align-items:center;gap:10px;flex:0 0 auto}
.header-cta .btn{height:44px;min-width:112px;padding:0 18px;border-radius:14px;font-size:15px;font-weight:900;white-space:nowrap;letter-spacing:.01em;box-shadow:0 8px 22px rgba(5,31,66,.08);transition:transform .18s ease,box-shadow .18s ease,background .18s ease,border-color .18s ease}
.header-cta .btn:hover{transform:translateY(-1px);box-shadow:0 12px 28px rgba(5,31,66,.14)}
.header-cta .btn-outline{background:#f7fbff;color:var(--blue);border:1px solid #b9d2ee}
.header-cta .btn-outline:hover{background:#eef7ff;border-color:var(--blue)}
.header-cta .btn-gold{background:linear-gradient(135deg,var(--gold),var(--gold2));color:#062b59;border:1px solid #f2b500}
.header-cta .btn-gold:hover{background:linear-gradient(135deg,#ffd447,#f0ab00)}
@media(min-width:961px){.main-nav{gap:14px}.nav-link{font-size:15px;padding:8px 5px}.nav-wrap{gap:18px}.brand{width:206px}.brand img{height:70px}}
@media(max-width:620px){.floating-actions{border-radius:18px;gap:8px;overflow:visible;box-shadow:none}.floating-actions a{border-radius:16px;box-shadow:0 10px 24px rgba(3,38,82,.18)}}


.form-alert{border-radius:16px;padding:12px 14px;margin:0 0 16px;font-weight:800;font-size:14px}
.form-alert-error{background:#fff3f0;border:1px solid #ffc9bd;color:#9b1c08}