:root{--navy:#0b178a;--navy-d:#07105e;--navy-dd:#050b40;--green:#1ea446;--green-d:#178a3a;--ink:#1d2433;--muted:#5a6275;--line:#e3e6ee;--bg-alt:#f4f6fb;--radius:10px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Source Sans 3",system-ui,-apple-system,Segoe UI,Arial,sans-serif;color:var(--ink);font-size:17px;line-height:1.65;background:#fff}
h1,h2,h3{font-family:"Libre Baskerville",Georgia,serif;color:var(--navy-dd);line-height:1.25;margin:0 0 .6em}
h1{font-size:clamp(2rem,4.6vw,3.4rem)}h2{font-size:clamp(1.4rem,2.6vw,1.9rem)}h3{font-size:1.15rem}
p{margin:0 0 1em}a{color:var(--navy)}a:hover{color:var(--green-d)}
.wrap{max-width:1180px;margin:0 auto;padding:0 22px}.narrow{max-width:900px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.center{text-align:center}.sub{color:var(--muted);margin-top:-.4em}
.fine{font-size:.88rem;color:var(--muted)}
/* top bar */
.topbar{background:var(--navy-dd);color:#fff;font-size:.92rem}
.topbar .wrap{display:flex;gap:18px;align-items:center;justify-content:space-between;min-height:44px;flex-wrap:wrap}
.topbar svg{width:16px;height:16px;vertical-align:-3px;margin-right:6px}
.tb-addr svg{color:var(--green)}.tb-nmls{opacity:.8}
.tb-phone{color:#7ee09a;font-weight:700;text-decoration:none;font-family:Montserrat,sans-serif;letter-spacing:.02em}.tb-phone:hover{color:#fff}
/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hdr{display:flex;align-items:center;gap:20px;min-height:88px}
.brand{flex:0 0 auto;display:block}.logo-svg{height:68px;width:auto;display:block}
nav{margin-left:auto}
.menu{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:2px}
.menu>li{position:relative}
.top-link,.sub-toggle{display:flex;align-items:center;gap:6px;padding:10px 11px;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--ink);text-decoration:none;background:none;border:0;cursor:pointer;white-space:nowrap}
.sub-toggle svg{width:10px;height:8px}
.top-link[aria-current],.has-sub.active>.sub-toggle,.top-link:hover,.sub-toggle:hover{color:var(--navy)}
.top-link[aria-current]{box-shadow:inset 0 -2px var(--green)}
.nav-apply{white-space:nowrap;margin-left:8px;display:inline-block;padding:11px 18px;border-radius:6px;background:var(--green);color:#fff;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;text-decoration:none}
.nav-apply:hover{background:var(--green-d);color:#fff}
.sub{list-style:none;margin:0;padding:8px 0;position:absolute;top:100%;left:0;min-width:260px;background:#fff;border:1px solid var(--line);border-top:3px solid var(--navy);box-shadow:0 12px 30px rgba(5,11,64,.12);display:none}
.sub a{display:block;padding:9px 18px;color:var(--ink);text-decoration:none;font-size:.95rem}
.sub a:hover,.sub a[aria-current]{background:var(--bg-alt);color:var(--navy)}
@media(hover:hover) and (min-width:1101px){.has-sub:hover>.sub{display:block}}
.has-sub.open>.sub{display:block}
.burger{display:none;margin-left:auto;background:none;border:0;padding:10px;cursor:pointer}
.burger span{display:block;width:26px;height:3px;background:var(--navy-dd);margin:5px 0;border-radius:2px;transition:.2s}
/* buttons */
.btn{display:inline-block;padding:13px 24px;border-radius:6px;font-family:Montserrat,sans-serif;font-weight:700;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;text-decoration:none;border:2px solid transparent;cursor:pointer;text-align:center}
.btn-lg{padding:17px 30px;font-size:.92rem}
.btn-green{background:var(--green);color:#fff}.btn-green:hover{background:var(--green-d);color:#fff}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-d);color:#fff}
.btn-outline-light{border-color:#fff;color:#fff;background:transparent}.btn-outline-light:hover{background:#fff;color:var(--navy)}
.inline-cta{margin-top:1.6em;display:flex;gap:12px;flex-wrap:wrap}
/* hero */
.hero{position:relative;color:#fff;padding:110px 0 120px;background:
radial-gradient(1200px 500px at 85% 20%,rgba(30,164,70,.28),transparent 60%),
linear-gradient(120deg,var(--navy-dd) 0%,var(--navy) 55%,#1a2aa8 100%);overflow:hidden}
.hero:after{content:"";position:absolute;inset:auto -5% 0 -5%;height:240px;opacity:.13;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 240'%3E%3Cpath fill='%23fff' d='M0 240V170l60-40 60 40v-30l80-60 80 60v20l50-35 50 35v-60l90-70 90 70v40l60-45 60 45v-15l70-55 70 55v35l55-40 55 40v-50l85-65 85 65v30l60-45 60 45v80z'/%3E%3C/svg%3E") bottom/cover no-repeat}
.hero .wrap{position:relative;z-index:1}
.hero h1{color:#fff;max-width:760px}
.hero .tag{font-family:"Libre Baskerville",serif;font-size:clamp(1.1rem,2.3vw,1.6rem);margin:.2em 0 .4em}
.hero .nmls{letter-spacing:.12em;opacity:.85;font-size:.95rem}
.hero-ctas{display:flex;flex-direction:column;gap:14px;max-width:380px;margin-top:28px}
.page-hero{background:linear-gradient(120deg,var(--navy-dd),var(--navy));color:#fff;padding:56px 0 50px}
.page-hero h1{color:#fff;font-size:clamp(1.8rem,3.6vw,2.6rem);margin-bottom:.3em}
.page-hero .eyebrow{font-family:Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;color:#7ee09a;margin:0 0 .6em;font-weight:700}
.page-hero .lede{font-size:1.15rem;opacity:.9;margin:0}
/* sections */
.sec{padding:70px 0}.sec.alt{background:var(--bg-alt)}
.two-col{display:grid;grid-template-columns:1.15fr 1fr;gap:48px;align-items:start}
.two-col.tight{gap:24px;grid-template-columns:1fr 1fr;margin:1.5em 0}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 2px 0 rgba(5,11,64,.03)}
.sec.alt .panel{background:#fff}
.panel.ok{border-top:4px solid var(--green)}.panel.no{border-top:4px solid #c23b3b}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:30px}
.card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;text-decoration:none;color:var(--ink);transition:.15s;border-top:4px solid var(--navy)}
a.card:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(5,11,64,.1);border-top-color:var(--green);color:var(--ink)}
.card p{color:var(--muted);margin:0}.card .more{display:inline-block;margin-top:14px;color:var(--navy);font-weight:600}
.steps{list-style:none;padding:0;margin:30px 0;display:grid;gap:18px}
.steps li{display:flex;gap:18px;align-items:flex-start}
.steps .num{flex:0 0 44px;height:44px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;font-family:Montserrat,sans-serif;font-weight:700}
.steps h3{margin:.3em 0 .2em}.steps p{margin:0;color:var(--muted)}
.checks,.crosses{list-style:none;padding:0;margin:0 0 1em}
.checks li,.crosses li{position:relative;padding-left:30px;margin:.55em 0}
.checks li:before{content:"";position:absolute;left:2px;top:.5em;width:14px;height:8px;border-left:3px solid var(--green);border-bottom:3px solid var(--green);transform:rotate(-45deg)}
.crosses li:before{content:"×";position:absolute;left:3px;top:-.05em;color:#c23b3b;font-weight:700;font-size:1.3em}
.tbl{width:100%;border-collapse:collapse;margin:1em 0;font-size:.97rem}
.tbl th,.tbl td{text-align:left;padding:11px 12px;border-bottom:1px solid var(--line)}
.tbl th{background:var(--bg-alt);font-family:Montserrat,sans-serif;font-size:.78rem;text-transform:uppercase;letter-spacing:.06em}
.faq{border:1px solid var(--line);border-radius:8px;margin:0 0 12px;background:#fff}
.faq summary{cursor:pointer;padding:16px 20px;font-weight:600;list-style:none;position:relative;padding-right:48px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:20px;top:12px;font-size:1.4rem;color:var(--green)}
.faq[open] summary:after{content:"–"}.faq p{padding:0 20px 16px;margin:0;color:var(--muted)}
/* cta band + footer */
.cta-band{background:var(--green);color:#fff;padding:44px 0}
.cta-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 .2em}.cta-band p{margin:0;opacity:.95}
.cta-band .btn-green{background:var(--navy-dd)}.cta-band .btn-green:hover{background:var(--navy)}
.cta-actions{display:flex;gap:12px;flex-wrap:wrap}
.site-footer{background:var(--navy-dd);color:#c9cde6;padding:56px 0 24px;font-size:.95rem}
.site-footer a{color:#fff}.site-footer h3{color:#fff;font-family:Montserrat,sans-serif;font-size:.82rem;letter-spacing:.12em;text-transform:uppercase}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:32px}
.footer-logo{background:#fff;display:inline-block;padding:10px 14px;border-radius:8px;margin-bottom:14px}.footer-logo .logo-svg{height:56px}
.eho{display:flex;align-items:center;gap:10px;color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.15);margin-top:36px;padding-top:20px;font-size:.82rem;color:#9ea4c9}
/* forms */
.lead-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;margin:1.4em 0}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px 20px;margin-bottom:18px}
.grid2 .full{grid-column:1/-1}
label{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px}
.req{color:#c23b3b}
input,select,textarea{width:100%;font:inherit;font-size:1rem;padding:11px 12px;border:1px solid #c7ccd9;border-radius:6px;background:#fff;color:var(--ink);margin-top:6px}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(30,164,70,.3);border-color:var(--green)}
.consent label{font-weight:400;font-size:.85rem;color:var(--muted);display:flex;gap:10px;align-items:flex-start}
.consent input{width:auto;margin-top:4px}
.hp{position:absolute;left:-9999px}
.form-status{margin:14px 0 0;font-weight:600}.form-status.ok{color:var(--green-d)}.form-status.err{color:#c23b3b}
.invalid{border-color:#c23b3b}
.apply-box{background:var(--bg-alt);border-radius:var(--radius);padding:34px;border-left:5px solid var(--green);margin-bottom:1.5em}
/* calculators */
.calc-tabs{display:flex;gap:6px;border-bottom:2px solid var(--line);margin-bottom:24px}
.calc-tabs button{background:none;border:0;padding:12px 18px;font:600 .95rem Montserrat,sans-serif;color:var(--muted);cursor:pointer;border-bottom:3px solid transparent;margin-bottom:-2px}
.calc-tabs button[aria-selected=true]{color:var(--navy);border-bottom-color:var(--green)}
.calc-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:30px}
.calc-in{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}
.calc-in small{display:block;font-weight:400;color:var(--muted);font-size:.8rem;margin-top:4px}
.calc-out{background:var(--navy-dd);color:#fff;border-radius:var(--radius);padding:28px;align-self:start;position:sticky;top:110px}
.calc-out .big{font-family:"Libre Baskerville",serif;font-size:2.6rem;margin:0;color:#7ee09a}
.calc-out .lbl{opacity:.8;margin:0 0 16px}
.breakdown{width:100%;border-collapse:collapse}
.breakdown td{padding:8px 0;border-bottom:1px solid rgba(255,255,255,.14)}.breakdown td:last-child{text-align:right;font-weight:600}
.breakdown .sum td{border-bottom:0;padding-top:14px;opacity:.85}
/* responsive */
@media(max-width:1100px){
.burger{display:block}
nav{position:fixed;inset:132px 0 0 0;background:#fff;overflow:auto;display:none;padding:10px 0 40px;border-top:1px solid var(--line)}
nav.open{display:block}
.menu{flex-direction:column;align-items:stretch;gap:0}
.top-link,.sub-toggle{width:100%;justify-content:space-between;padding:16px 22px;font-size:.9rem;border-bottom:1px solid var(--line)}
.sub{position:static;border:0;box-shadow:none;background:var(--bg-alt);padding:0;min-width:0}
.sub a{padding:13px 34px;border-bottom:1px solid var(--line)}
.has-sub.open>.sub-toggle svg{transform:rotate(180deg)}
.nav-apply{margin:18px 22px 0;display:block;text-align:center}
.burger[aria-expanded=true] span:nth-child(1){transform:translateY(8px) rotate(45deg)}
.burger[aria-expanded=true] span:nth-child(2){opacity:0}
.burger[aria-expanded=true] span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
}
@media(max-width:900px){.two-col,.two-col.tight,.calc-grid{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.calc-out{position:static}}
@media(max-width:620px){
body{font-size:16px}.tb-addr,.tb-nmls{display:none}.topbar .wrap{justify-content:center}
.hdr{min-height:76px}.logo-svg{height:54px}nav{inset:120px 0 0 0}
.hero{padding:70px 0 90px}.hero-ctas{max-width:none}
.cards,.grid2,.calc-in,.footer-grid{grid-template-columns:1fr}
.sec{padding:50px 0}.lead-form,.panel{padding:20px}
.tbl{font-size:.88rem}.tbl th,.tbl td{padding:9px 6px}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}