:root{
  --navy:#0f2849;--navy-deep:#0a1c33;--blue:#2e5c8a;--sky:#4a90c8;--gold:#c59e5e;--gold-dark:#a8834a;
  --ink:#0f2849;--muted:#3d556f;--line:#c9d4df;--tint:#f4f7fa;--tint2:#eef4fa;--white:#fff;
  --display:'League Spartan',system-ui,sans-serif;--body:Montserrat,system-ui,sans-serif;--small:'Open Sans',system-ui,sans-serif;
  --wrap:1240px;--r:12px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--body);color:var(--ink);background:#fff;font-size:17px;line-height:1.65}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}a:hover{color:var(--navy)}
h1,h2,h3{font-family:var(--display);line-height:1.06;margin:0;letter-spacing:-.005em}
h1{font-size:clamp(2.4rem,5vw,4rem);font-weight:700}
h2{font-size:clamp(1.9rem,3.4vw,2.75rem);font-weight:700}
h3{font-size:1.5rem;font-weight:700}
p{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.section{padding:88px 0}.section.tint{background:var(--tint)}.section.dark{background:var(--navy);color:#fff}
.stack{display:flex;flex-direction:column;gap:20px}
.eyebrow{font-family:var(--small);font-size:.78rem;letter-spacing:.18em;font-weight:600;color:var(--blue);text-transform:uppercase}
.dark .eyebrow,.hero .eyebrow{color:var(--gold)}
.lead{font-size:1.15rem;color:var(--muted);max-width:620px}
.dark .lead,.hero .lead{color:#d6e2ef}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px 14px;z-index:100}.skip:focus{left:10px}
:focus-visible{outline:3px solid var(--sky);outline-offset:2px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px;padding:0 24px;border-radius:6px;font-weight:700;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:var(--body);transition:background .15s,color .15s}
.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:#d4b179;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--blue);color:#fff}
.btn-line{border-color:var(--navy);color:var(--navy);background:transparent}.btn-line:hover{background:var(--navy);color:#fff}
.dark .btn-line,.hero .btn-line{border-color:#fff;color:#fff}.dark .btn-line:hover{background:#fff;color:var(--navy)}
.btns{display:flex;flex-wrap:wrap;gap:14px}

/* header */
.site-header{background:var(--navy);position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(255,255,255,.1)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:128px;transition:min-height .3s ease}
.brand img{height:104px;width:auto;transition:height .3s ease}
.site-header.scrolled .wrap{min-height:84px}.site-header.scrolled .brand img{height:66px}
@media (max-width:640px){.site-header .wrap{min-height:92px}.brand img{height:74px}.site-header.scrolled .wrap{min-height:70px}.site-header.scrolled .brand img{height:54px}}
.nav{display:flex;align-items:center;gap:26px;font-size:.95rem;font-weight:500}
.nav a{color:#fff;text-decoration:none}.nav a:hover{color:var(--gold)}
.nav .tel{color:var(--gold);font-weight:600}
.nav .btn{min-height:44px;padding:0 18px;font-size:.95rem}
.menu-btn{display:none;background:none;border:0;color:#fff;width:44px;height:44px;cursor:pointer}
.menu-btn svg{width:28px;height:28px}
@media (max-width:1020px){
  .menu-btn{display:inline-flex;align-items:center;justify-content:center}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);flex-direction:column;align-items:stretch;padding:12px 24px 24px;gap:0}
  .nav.open{display:flex}
  .nav a{padding:14px 0;border-bottom:1px solid rgba(255,255,255,.1)}
  .nav .btn{margin-top:14px;border-bottom:0}
}

/* hero */
.hero{position:relative;overflow:hidden;background:var(--navy);color:#fff}
.hero .mark{position:absolute;right:-140px;bottom:-40px;width:900px;opacity:.07;pointer-events:none}
.hero .wrap{position:relative;display:flex;flex-wrap:wrap;gap:48px;align-items:center;padding-top:80px;padding-bottom:88px}
.hero-copy{flex:1 1 520px;min-width:0;display:flex;flex-direction:column;gap:22px}
.proof{display:flex;flex-wrap:wrap;gap:22px 28px;padding-top:6px;font-size:.88rem;color:#d6e2ef}
.proof div{display:flex;align-items:center;gap:10px}
.proof strong{font-family:var(--display);font-size:1.75rem;color:#fff;line-height:1}
.hero.compact .wrap{padding-top:64px;padding-bottom:64px}

/* form card */
.card-form{flex:0 1 420px;min-width:290px;background:#fff;color:var(--ink);border-radius:14px;padding:30px;box-shadow:0 24px 60px rgba(0,0,0,.3);display:flex;flex-direction:column;gap:14px}
.card-form h2{font-size:1.75rem}
.card-form .sub{font-size:.9rem;color:var(--muted);margin-top:-6px}
.field{display:flex;flex-direction:column;gap:6px;font-size:.82rem;font-weight:600}
.field input,.field textarea,.field select{height:48px;border:1px solid #9fb0c2;border-radius:6px;padding:0 14px;font-size:1rem;font-family:var(--body);color:var(--ink);background:#fff;width:100%}
.field textarea{height:auto;min-height:120px;padding:12px 14px;resize:vertical}
.row2{display:flex;gap:12px;flex-wrap:wrap}.row2>*{flex:1 1 140px}
.choice{border:0;margin:0;padding:0}
.choice legend{font-size:.82rem;font-weight:600;padding:0 0 6px}
.choice .opts{display:flex;gap:8px}
.choice label{flex:1;position:relative}
.choice input{position:absolute;opacity:0;inset:0;cursor:pointer}
.choice span{display:flex;align-items:center;justify-content:center;height:48px;border:2px solid #b9c6d4;border-radius:6px;font-size:.92rem;font-weight:600}
.choice input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.choice input:focus-visible+span{outline:3px solid var(--sky);outline-offset:2px}
.consent{font-family:var(--small);font-size:.72rem;line-height:1.5;color:#4b6075}
.form-msg{font-size:.9rem;font-weight:600;border-radius:6px;padding:12px 14px;display:none}
.form-msg.ok{display:block;background:#e7f3ea;color:#1c5a2c}.form-msg.err{display:block;background:#fbeaea;color:#8a1f1f}
.hp{position:absolute;left:-5000px}

/* cards */
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.loan{text-decoration:none;color:var(--ink);background:#fff;border-radius:var(--r);padding:28px;display:flex;flex-direction:column;gap:12px;border-top:4px solid var(--navy);transition:transform .15s,box-shadow .15s}
.loan:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(15,40,73,.12);color:var(--ink)}
.loan p{font-size:.95rem;color:var(--muted)}
.loan .more{margin-top:auto;font-weight:600;font-size:.9rem;color:var(--blue)}
.loan.b2{border-color:var(--blue)}.loan.b3{border-color:var(--sky)}.loan.b4{border-color:var(--gold)}
.head-row{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:16px;margin-bottom:36px}

/* split */
.split{display:flex;flex-wrap:wrap;gap:56px;align-items:center}
.split>.media{flex:0 1 440px;min-width:270px;position:relative}
.split>.text{flex:1 1 460px;min-width:0}
.media img{border-radius:14px;width:100%;aspect-ratio:4/5;object-fit:cover}
.tag{position:absolute;left:-12px;bottom:28px;background:var(--gold);color:var(--navy);padding:10px 16px;border-radius:6px;font-weight:700;font-size:.85rem}

/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;gap:32px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.steps li{display:flex;flex-direction:column;gap:8px;border-top:2px solid var(--gold);padding-top:18px}
.steps .n{font-family:var(--display);color:var(--gold);font-weight:700}
.steps strong{font-size:1.2rem}
.steps p{font-size:.95rem;color:#d6e2ef}

/* calculator */
.calc{display:flex;flex-wrap:wrap;border:1px solid #dbe4ed;border-radius:18px;overflow:hidden;background:#fff}
.calc .inputs{flex:1 1 300px;padding:28px;display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(150px,1fr))}
.calc .out{flex:1 1 280px;background:var(--navy);color:#fff;padding:28px;display:flex;flex-direction:column;gap:10px}
.calc .big{font-family:var(--display);font-size:3.4rem;font-weight:700;line-height:1}
.calc .line{display:flex;justify-content:space-between;font-size:.92rem;border-top:1px solid rgba(255,255,255,.15);padding-top:10px}
.calc .note{font-family:var(--small);font-size:.72rem;line-height:1.5;color:#c3d0de;margin-top:auto}

/* team */
.team{display:grid;gap:22px;grid-template-columns:repeat(6,minmax(0,1fr))}
@media (max-width:1100px){.team{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:640px){.team{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}}
.person{text-decoration:none;color:var(--ink);display:flex;flex-direction:column;gap:8px}
.person .ph{aspect-ratio:1;border-radius:10px;background:linear-gradient(160deg,#dfe7ef,#c9d6e3);display:flex;align-items:center;justify-content:center;font-family:var(--display);font-size:2.6rem;color:var(--blue);overflow:hidden}
.person .ph img{width:100%;height:100%;object-fit:cover}
.person strong{font-size:1.05rem}
.person span{font-size:.82rem;color:var(--muted);margin-top:-4px}
.person:hover strong{color:var(--blue)}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chips a,.chips span{background:var(--tint2);color:var(--ink);border-radius:8px;padding:10px 14px;font-size:.9rem;font-weight:600;text-decoration:none}

/* faq */
.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq summary{font-size:1.1rem;font-weight:700;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--display);font-size:1.6rem;line-height:1;color:var(--blue)}
.faq details[open] summary::after{content:"–"}
.faq details p{padding-top:10px;color:var(--muted);font-size:.98rem}
.rating{display:flex;align-items:center;gap:14px;background:#fff;border-radius:12px;padding:20px}
.rating strong{font-family:var(--display);font-size:2.8rem;line-height:1}
.rating span{font-size:.88rem;color:var(--muted);line-height:1.5}

/* cta band */
.band{background:var(--gold)}
.band .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px;padding-top:52px;padding-bottom:52px}
.band h2{font-size:clamp(1.6rem,3vw,2.2rem);max-width:640px;color:var(--navy)}

/* prose */
.prose{max-width:760px}
.prose h2{font-size:1.9rem;margin:44px 0 14px}
.prose h3{font-size:1.3rem;margin:30px 0 10px}
.prose p,.prose li{color:#24384f}
.prose p+p{margin-top:16px}
.prose ul,.prose ol{padding-left:22px;margin:14px 0}
.prose li+li{margin-top:6px}
.prose .note{background:var(--tint);border-radius:10px;padding:18px 20px;font-size:.92rem;margin-top:28px}
.crumbs{font-size:.85rem;color:#d6e2ef}.crumbs a{color:#fff}
.posts{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.post{background:#fff;border:1px solid #dbe4ed;border-radius:14px;padding:26px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;gap:10px}
.post:hover{border-color:var(--blue);color:var(--ink)}
.post time{font-size:.8rem;color:var(--muted)}

/* profile */
.profile-head{display:flex;flex-wrap:wrap;gap:36px;align-items:center}
.profile-head .ph{width:220px;aspect-ratio:1;border-radius:50%;overflow:hidden;background:#dfe7ef;display:flex;align-items:center;justify-content:center;font-family:var(--display);font-size:4rem;color:var(--blue);flex:0 0 auto}
.profile-head .ph img{width:100%;height:100%;object-fit:cover}
.facts{display:flex;flex-wrap:wrap;gap:10px 24px;font-size:.95rem;color:#d6e2ef}
.facts a{color:#fff}
.socials{display:flex;gap:10px}
.socials a{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:rgba(255,255,255,.1);color:#fff;border:1px solid rgba(255,255,255,.25);transition:background .2s,color .2s,border-color .2s}
.socials a:hover,.socials a:focus-visible{background:#c59e5e;border-color:#c59e5e;color:#0f2849}

/* footer */
.site-footer{background:var(--navy-deep);color:#c3d0de;font-size:.9rem}
.site-footer a{color:#fff}
.site-footer .top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:40px;padding:64px 0 36px}
.site-footer .cols{display:flex;flex-wrap:wrap;gap:56px}
.site-footer .col{display:flex;flex-direction:column;gap:9px}
.site-footer .col a{color:#c3d0de;text-decoration:none}.site-footer .col a:hover{color:#fff}
.site-footer .col b{color:#fff}
.site-footer .tagline{color:var(--gold);font-weight:600}
.legal{border-top:1px solid rgba(255,255,255,.14);padding:24px 0 40px;display:flex;flex-wrap:wrap;gap:20px;align-items:flex-start}
.legal img{height:56px;width:auto}
.legal p{flex:1 1 560px;font-family:var(--small);font-size:.75rem;line-height:1.7}
.staging{background:#b45309;color:#fff;text-align:center;font-size:.8rem;font-weight:600;padding:6px}
@media (max-width:640px){.section{padding:64px 0}.hero .wrap{padding-top:48px;padding-bottom:56px}.card-form{padding:22px}.calc .big{font-size:2.8rem}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.loan{transition:none}}

/* answer-first box (AEO): short direct answer at the top of guides and newsletter issues */
.answer{border-left:4px solid var(--gold,#c59e5e);background:#f6f8fb;padding:16px 20px;border-radius:8px;margin:18px 0 24px}
.answer b{display:block;color:var(--navy,#0f2849);font-size:.8rem;letter-spacing:.06em;text-transform:uppercase;margin-bottom:6px}
.answer p{margin:0}
.sources{font-size:.9rem;color:var(--muted)}

/* motion: drifting light and slow ridgelines in the hero */
.hero::before,.hero::after{content:"";position:absolute;border-radius:50%;pointer-events:none;will-change:transform}
.hero::before{width:760px;height:760px;top:-300px;left:-220px;background:radial-gradient(circle,rgba(74,144,200,.38),rgba(74,144,200,0) 62%);animation:mm-drift-a 24s ease-in-out infinite alternate}
.hero::after{width:620px;height:620px;bottom:-320px;right:4%;background:radial-gradient(circle,rgba(197,158,94,.22),rgba(197,158,94,0) 62%);animation:mm-drift-b 30s ease-in-out infinite alternate}
@keyframes mm-drift-a{to{transform:translate(220px,140px) scale(1.18)}}
@keyframes mm-drift-b{to{transform:translate(-260px,-90px) scale(1.12)}}
.hero .wrap{z-index:1}
.hero .mark{animation:mm-float 16s ease-in-out infinite alternate}
@keyframes mm-float{to{transform:translate(-18px,-14px)}}
.fx{position:absolute;left:0;right:0;bottom:0;height:170px;overflow:hidden;pointer-events:none}
.hero.compact .fx{height:120px}
.ridge{position:absolute;bottom:-2px;left:0;width:200%;height:100%;animation:mm-pan 120s linear infinite}
.ridge .r1{fill:#2e5c8a;opacity:.16}.ridge .r2{fill:#0a1c33;opacity:.55}
@keyframes mm-pan{to{transform:translateX(-50%)}}
.rv{opacity:0;transform:translateY(22px);transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1)}
.rv.in{opacity:1;transform:none}
.btn-gold{background-image:linear-gradient(110deg,transparent 35%,rgba(255,255,255,.35) 50%,transparent 65%);background-size:250% 100%;background-position:120% 0;transition:background-position .7s ease,background-color .15s}
.btn-gold:hover{background-position:-20% 0}
@media (prefers-reduced-motion:reduce){.hero::before,.hero::after,.hero .mark,.ridge{animation:none}.rv{opacity:1;transform:none;transition:none}.site-header .wrap,.brand img{transition:none}}

/* first-time buyer steps */
.learn{list-style:none;margin:0;padding:0;flex:1 1 440px;min-width:0;display:flex;flex-direction:column;gap:14px}
.learn li{display:flex;gap:18px;align-items:flex-start;background:var(--tint);border-radius:var(--r);padding:20px 22px;border-left:4px solid var(--gold)}
.learn li>span{font-family:var(--display);font-weight:700;color:var(--gold-dark);font-size:1.3rem;line-height:1.2}
.learn strong{font-size:1.08rem}
.learn p{font-size:.94rem;color:var(--muted);margin-top:4px}

/* buydown table */
.bd .inputs{align-content:start}
.bd-table{grid-column:1/-1;width:100%;border-collapse:collapse;font-size:.92rem;margin-top:6px}
.bd-table th{text-align:left;font-size:.75rem;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:600;padding:8px 6px;border-bottom:2px solid var(--line)}
.bd-table td{padding:10px 6px;border-bottom:1px solid var(--line)}
.bd-table tr:last-child td{font-weight:700}

/* quote actions and dialog */
.quote-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:6px}
.quote-actions .btn{flex:1 1 160px;min-height:46px;font-size:.92rem}
.calc .out .btn-line{border-color:#fff;color:#fff}.calc .out .btn-line:hover{background:#fff;color:var(--navy)}
.quote-dlg{border:0;padding:0;background:transparent;max-width:min(460px,calc(100vw - 32px));width:100%}
.quote-dlg::backdrop{background:rgba(10,28,51,.6)}
.quote-dlg .card-form{position:relative;min-width:0;box-shadow:0 30px 80px rgba(0,0,0,.45)}
.quote-dlg .x{position:absolute;top:10px;right:12px;background:none;border:0;font-size:1.8rem;line-height:1;color:var(--muted);cursor:pointer;width:40px;height:40px}
.calc .inputs{align-content:start}

/* refinance analysis funnel */
.refi .refi-bar{height:6px;background:#e3eaf1;border-radius:6px;overflow:hidden}
.refi .refi-bar span{display:block;height:100%;width:25%;background:var(--gold);transition:width .35s ease}
.refi-step{border:0;margin:0;padding:0;display:flex;flex-direction:column;gap:12px}
.refi-step .q{font-weight:700;font-size:1.05rem;padding:0;margin-bottom:2px}
.pick{display:flex;flex-direction:column;gap:8px}
.pick.two{display:grid;grid-template-columns:1fr 1fr}
.pick label{position:relative}
.pick input{position:absolute;opacity:0;inset:0;cursor:pointer}
.pick span{display:flex;align-items:center;min-height:48px;padding:0 16px;border:2px solid #b9c6d4;border-radius:8px;font-weight:600;font-size:.95rem}
.pick input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.pick input:focus-visible+span{outline:3px solid var(--sky);outline-offset:2px}
.drop{position:relative;display:flex;align-items:center;justify-content:center;min-height:120px;border:2px dashed #9fb0c2;border-radius:10px;background:var(--tint);text-align:center;padding:16px;font-weight:600;color:var(--blue);cursor:pointer}
.drop input{position:absolute;inset:0;opacity:0;cursor:pointer}
.linkish{background:none;border:0;color:var(--blue);text-decoration:underline;font:inherit;font-size:.9rem;cursor:pointer;align-self:flex-start;padding:4px 0}
.refi-nav{display:flex;gap:10px}.refi-nav .btn{flex:1}
.refi-step[hidden],.refi-nav [hidden]{display:none}
.card-form .btn-line{border-color:var(--navy);color:var(--navy)}.card-form .btn-line:hover{background:var(--navy);color:#fff}
.field[hidden]{display:none}

/* team members without a photo: branded tile instead of initials */
.person .ph:has(.mark-ph),.profile-head .ph.noimg{background:radial-gradient(120% 90% at 30% 20%,#2e5c8a 0%,#0f2849 62%,#0a1c33 100%);position:relative}
.person .ph:has(.mark-ph)::after,.profile-head .ph.noimg::after{content:"";position:absolute;left:18%;right:18%;bottom:16%;height:3px;background:#c59e5e;border-radius:2px}
.person .ph .mark-ph,.profile-head .ph .mark-ph{width:58%;height:auto;object-fit:contain;opacity:.92}
.person:hover .ph:has(.mark-ph){background:radial-gradient(120% 90% at 30% 20%,#4a90c8 0%,#0f2849 62%,#0a1c33 100%)}
/* careers */
.perks .perk{background:#fff;border:1px solid #dbe3ec;border-top:3px solid var(--gold);border-radius:12px;padding:24px;display:flex;flex-direction:column;gap:10px}
.perks .perk h3{font-size:1.2rem;color:var(--navy)}.perks .perk p{font-size:.95rem;color:#3d5168}
.checks{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:12px}
.checks li{position:relative;padding-left:30px}.checks li::before{content:"";position:absolute;left:0;top:.35em;width:16px;height:9px;border-left:3px solid var(--gold);border-bottom:3px solid var(--gold);transform:rotate(-45deg)}
.kv{margin:0;display:flex;flex-direction:column;background:#fff;border-radius:12px;border:1px solid #dbe3ec}
.kv>div{display:flex;gap:16px;padding:14px 18px;border-top:1px solid #e6ecf2}.kv>div:first-child{border-top:0}
.kv dt{flex:0 0 130px;font-weight:700;color:var(--navy);font-size:.9rem}.kv dd{margin:0;font-size:.95rem}
.agree{display:flex;gap:10px;align-items:flex-start;font-family:var(--small);font-size:.74rem;line-height:1.5;color:#4b6075}
.agree input{margin-top:2px;width:18px;height:18px;flex:0 0 18px;accent-color:var(--navy)}
@media (max-width:520px){.kv>div{flex-direction:column;gap:4px}.kv dt{flex:none}}
@media (min-width:900px){.perks{grid-template-columns:repeat(3,1fr)}}
.card-form input[type=file]{height:auto;padding:12px 14px;font-size:.9rem}
.next-steps{margin:8px 0 0;padding:0;list-style:none;counter-reset:ns;display:flex;flex-direction:column;gap:16px}
.next-steps li{counter-increment:ns;position:relative;padding-left:48px;color:#3d5168}
.next-steps li::before{content:counter(ns);position:absolute;left:0;top:-2px;width:32px;height:32px;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:700;display:flex;align-items:center;justify-content:center;font-size:.95rem}
.next-steps b{color:var(--navy)}