/* ===== ROOT & RESET ===== */
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
:root{
  --brand-deep:#003D70; --brand-blue:#005EB8; --brand-sky:#009DDD;
  --bd:var(--brand-deep); --bm:var(--brand-blue); --bl:#006FB9; --bx:var(--brand-sky);
  --bp:#E6F2FF; --bt:#F2F8FD;
  --yw:#F5C800; --yd:#D4A900; --yl:#FEF9E6;
  --wh:#fff;
  --g50:#F9FAFB; --g100:#F3F4F6; --g200:#E5E9EF;
  --g400:#617389; --g500:#53677D; --g600:#3E536B; --g700:#30465C;
  --tx:#18344D; --br:#CCDDEB;
  --s1:0 1px 4px rgba(27,58,107,.08);
  --s2:0 4px 16px rgba(27,58,107,.11);
  --s3:0 10px 40px rgba(27,58,107,.15);
  --s4:0 20px 60px rgba(27,58,107,.20);
  --r1:6px;--r2:10px;--r3:14px;--r4:20px;
  --tr:.22s cubic-bezier(.4,0,.2,1);
}
body{font-family:'Open Sans',sans-serif;color:var(--tx);background:#fff;font-size:15px;line-height:1.65;overflow-x:hidden}
a{text-decoration:none;color:inherit}
ul{list-style:none}
img{display:block;max-width:100%}
button{cursor:pointer;border:none;background:none;font-family:inherit}
::-webkit-scrollbar{width:5px}
::-webkit-scrollbar-thumb{background:var(--bx);border-radius:3px}

/* ===== PAGE SYSTEM ===== */
.page{display:none}
.page.active{display:block}

/* ===== TOPBAR ===== */
.topbar{background:var(--bd);padding:.42rem 2rem;display:flex;justify-content:space-between;align-items:center;gap:1rem}
.tb-left{display:flex;gap:1.4rem;align-items:center;flex-wrap:wrap}
.tb-left a,.tb-left span{font-size:.71rem;color:rgba(255,255,255,.75);display:flex;align-items:center;gap:4px}
.tb-left a:hover{color:#fff}
.tb-sep{width:1px;height:12px;background:rgba(255,255,255,.2);flex-shrink:0}
.tb-phone{display:flex;align-items:center;gap:6px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);padding:.28rem .85rem;border-radius:100px;font-size:.74rem;font-weight:700;color:#fff;white-space:nowrap}
.tb-phone:hover{background:rgba(255,255,255,.2)}

/* ===== NAV ===== */
.nav-wrap{background:#fff;box-shadow:0 2px 0 var(--br),var(--s1);position:sticky;top:0;z-index:500}
.nav-inner{max-width:1300px;margin:0 auto;padding:0 2rem;display:flex;align-items:center;justify-content:space-between;height:68px;gap:1rem}
.logo-link{display:flex;align-items:center;gap:10px;flex-shrink:0}
.logo-link img{height:40px;width:auto}
.logo-sub{font-size:.59rem;color:var(--g400);letter-spacing:.09em;text-transform:uppercase;margin-top:2px}
.nav-menu{display:flex;align-items:center}
.nav-item{position:relative}
.nav-item>a{display:flex;align-items:center;gap:3px;padding:0 .82rem;height:68px;font-size:.75rem;font-weight:700;color:var(--g600);text-transform:uppercase;letter-spacing:.04em;border-bottom:3px solid transparent;transition:color var(--tr),border-color var(--tr);white-space:nowrap}
.nav-item>a:hover,.nav-item>a.active{color:var(--bd);border-bottom-color:var(--bd)}
.chev{font-size:.55rem;transition:transform var(--tr);display:inline-block}
.nav-item:hover>a .chev{transform:rotate(180deg)}
.drop{position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--br);border-radius:var(--r3);box-shadow:var(--s4);min-width:240px;padding:.5rem;opacity:0;visibility:hidden;transform:translateY(-6px);transition:all var(--tr);z-index:600}
.nav-item:hover .drop{opacity:1;visibility:visible;transform:translateY(0)}
.drop a{display:flex;align-items:center;gap:8px;padding:.58rem .82rem;border-radius:var(--r1);font-size:.79rem;color:var(--g600);transition:background var(--tr),color var(--tr)}
.drop a:hover{background:var(--bt);color:var(--bd)}
.d-ico{width:25px;height:25px;background:var(--bt);border-radius:5px;display:flex;align-items:center;justify-content:center;font-size:.78rem;flex-shrink:0}
.drop-ttl{padding:.28rem .5rem;font-size:.62rem;font-weight:700;color:var(--g400);letter-spacing:.1em;text-transform:uppercase;margin-top:.2rem}
.nav-right{display:flex;align-items:center;gap:.7rem;flex-shrink:0}
.nav-tel{font-size:.86rem;font-weight:700;color:var(--bd);white-space:nowrap}
.btn-nav{background:var(--yw);color:var(--bd);padding:.58rem 1.25rem;border-radius:var(--r1);font-size:.76rem;font-weight:700;letter-spacing:.03em;text-transform:uppercase;border:2px solid var(--yw);transition:all var(--tr);white-space:nowrap}
.btn-nav:hover{background:var(--yd);border-color:var(--yd);transform:translateY(-1px)}
.ham{display:none;flex-direction:column;gap:5px;padding:5px}
.ham span{width:21px;height:2px;background:var(--bd);border-radius:2px;transition:all .3s;display:block}
.ham.open span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.ham.open span:nth-child(2){opacity:0}
.ham.open span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.mob-menu{display:none;flex-direction:column;max-height:0;overflow:hidden;transition:max-height .35s ease;background:#fff;border-top:1px solid var(--br)}
.mob-menu.open{max-height:100vh}
.mob-menu a{display:block;padding:.72rem 1.5rem;font-size:.86rem;font-weight:600;color:var(--g600);border-bottom:1px solid var(--g100)}
.mob-menu a:hover{background:var(--bt);color:var(--bd)}
.mob-sec{padding:.42rem 1.5rem .2rem;font-size:.62rem;font-weight:700;color:var(--g400);letter-spacing:.1em;text-transform:uppercase;background:var(--g50)}

/* ===== SHARED UTILITIES ===== */
.wrap{max-width:1300px;margin:0 auto;padding:0 2rem}
.sec{padding:5rem 0}
.sec-alt{background:var(--bt)}
.sec-gray{background:var(--g50);border-top:1px solid var(--br);border-bottom:1px solid var(--br)}
.tag{display:inline-flex;align-items:center;gap:9px;font-size:.67rem;font-weight:700;color:var(--bl);letter-spacing:.1em;text-transform:uppercase;margin-bottom:.75rem}
.tag::before{content:'';width:24px;height:2px;background:var(--bl);display:block}
.tag.light::before{background:rgba(255,255,255,.5)}
.tag.light{color:rgba(255,255,255,.65)}
h2.tt{font-family:'Open Sans',Arial,sans-serif;font-weight:800;font-size:clamp(1.6rem,2.8vw,2.3rem);color:var(--bd);line-height:1.22;margin-bottom:.8rem;letter-spacing:-.01em}
h2.tt.white{color:#fff}
.desc{font-size:.9rem;color:var(--g500);line-height:1.82;max-width:540px}
.desc.white{color:rgba(255,255,255,.68)}
.btn-p{display:inline-flex;align-items:center;gap:7px;background:var(--bd);color:#fff;padding:.8rem 1.8rem;border-radius:var(--r1);font-size:.82rem;font-weight:700;letter-spacing:.03em;text-transform:uppercase;transition:all var(--tr);border:2px solid var(--bd)}
.btn-p:hover{background:var(--bm);transform:translateY(-2px);box-shadow:var(--s2)}
.btn-o{display:inline-flex;align-items:center;gap:7px;background:transparent;color:var(--bd);padding:.8rem 1.8rem;border-radius:var(--r1);font-size:.82rem;font-weight:700;letter-spacing:.03em;text-transform:uppercase;transition:all var(--tr);border:2px solid var(--bd)}
.btn-o:hover{background:var(--bd);color:#fff}
.btn-y{display:inline-flex;align-items:center;gap:7px;background:var(--yw);color:var(--bd);padding:.8rem 1.8rem;border-radius:var(--r1);font-size:.82rem;font-weight:700;letter-spacing:.03em;text-transform:uppercase;transition:all var(--tr)}
.btn-y:hover{background:var(--yd);transform:translateY(-2px);box-shadow:0 6px 20px rgba(245,200,0,.3)}
.btn-yw{display:inline-flex;align-items:center;gap:7px;background:var(--yw);color:var(--bd);padding:.82rem 2rem;border-radius:var(--r1);font-size:.84rem;font-weight:700;letter-spacing:.03em;text-transform:uppercase;transition:all var(--tr)}
.btn-yw:hover{background:var(--yd);transform:translateY(-2px);box-shadow:0 8px 22px rgba(245,200,0,.35)}
.btn-gh{display:inline-flex;align-items:center;gap:7px;background:transparent;color:#fff;border:2px solid rgba(255,255,255,.38);padding:.82rem 2rem;border-radius:var(--r1);font-size:.84rem;font-weight:600;letter-spacing:.03em;text-transform:uppercase;transition:all var(--tr)}
.btn-gh:hover{border-color:#fff;background:rgba(255,255,255,.1)}
.chip-y{background:var(--yw);color:var(--bd);font-size:.62rem;font-weight:700;padding:.18rem .48rem;border-radius:4px;letter-spacing:.04em}

/* ===== HERO ===== */
.hero{position:relative;overflow:hidden;min-height:84vh;display:flex;align-items:center}
.hero-bg{position:absolute;inset:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center;transition:opacity .8s}
.hero-ov{position:absolute;inset:0;background:linear-gradient(108deg,rgba(27,58,107,.93) 0%,rgba(30,75,143,.86) 50%,rgba(37,99,168,.62) 100%)}
.hero-deco{position:absolute;inset:0;pointer-events:none}
.deco-c1{position:absolute;right:-80px;top:-80px;width:550px;height:550px;border-radius:50%;border:1px solid rgba(255,255,255,.05)}
.deco-c2{position:absolute;right:80px;bottom:-130px;width:320px;height:320px;border-radius:50%;border:1px solid rgba(255,255,255,.04)}
.deco-d{position:absolute;left:42%;top:18%;width:55px;height:55px;border:1px solid rgba(245,200,0,.14);transform:rotate(45deg)}
.hero-in{position:relative;z-index:2;max-width:1360px;margin:0 auto;padding:5rem 2rem 4rem;width:100%;display:grid;grid-template-columns:minmax(0,1fr) 535px;gap:2.75rem;align-items:center}
.hero-bdg{display:inline-flex;align-items:center;gap:7px;background:rgba(255,255,255,.11);border:1px solid rgba(255,255,255,.2);border-radius:100px;padding:.37rem .95rem;font-size:.68rem;color:rgba(255,255,255,.9);letter-spacing:.07em;text-transform:uppercase;margin-bottom:1.4rem}
.bdg-dot{width:7px;height:7px;background:#4ade80;border-radius:50%;animation:blink 2s infinite}
@keyframes blink{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(.8)}}
.hero h1{font-family:'Open Sans',Arial,sans-serif;font-weight:800;font-size:clamp(1.85rem,3.4vw,2.9rem);color:#fff;line-height:1.18;margin-bottom:1.05rem;letter-spacing:-.01em}
.hero h1 em{font-style:normal;color:var(--yw);border-bottom:3px solid rgba(245,200,0,.34)}
.hero-desc{font-size:.96rem;color:rgba(255,255,255,.8);line-height:1.82;margin-bottom:2rem;max-width:480px;font-weight:300}
.hero-btns{display:flex;gap:.8rem;flex-wrap:wrap;margin-bottom:2.25rem}
.hero-trust{display:flex;gap:1.35rem;flex-wrap:wrap}
.tr-item{display:flex;align-items:center;gap:6px;font-size:.75rem;color:rgba(255,255,255,.7)}
.tr-ck{width:18px;height:18px;background:rgba(74,222,128,.14);border:1px solid rgba(74,222,128,.32);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.58rem;color:#4ade80;flex-shrink:0}
/* Stats card */
.hero-card{background:#fff;border-radius:var(--r4);box-shadow:var(--s4);overflow:hidden}
.hc-head{background:var(--bt);padding:1.05rem 1.35rem;border-bottom:1px solid var(--br);display:flex;justify-content:space-between;align-items:center}
.hc-title{font-size:.67rem;font-weight:700;color:var(--bd);letter-spacing:.08em;text-transform:uppercase}
.hc-live{display:flex;align-items:center;gap:5px;font-size:.67rem;color:#16a34a;font-weight:600}
.hc-body{padding:1.2rem 1.35rem}
.sr{display:flex;justify-content:space-between;align-items:center;padding:.78rem 0;border-bottom:1px solid var(--g100)}
.sr:last-of-type{border-bottom:none}
.sl{font-size:.79rem;color:var(--g500)}
.sv{font-family:'Open Sans',Arial,sans-serif;font-size:1.12rem;font-weight:700;color:var(--bd);text-align:right;line-height:1}
.sv.yw{color:#C5A100}.sv.gr{color:#15803d}
.ss{font-size:.61rem;color:var(--g400);margin-top:2px;text-align:right}
.hc-cta{display:block;margin:1.05rem 1.35rem 1.35rem;background:var(--bd);color:#fff;text-align:center;padding:.82rem;border-radius:var(--r1);font-size:.79rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;transition:background var(--tr)}
.hc-cta:hover{background:var(--bm)}
.hc-note{text-align:center;font-size:.67rem;color:var(--g400);padding-bottom:1.05rem}
/* Hero calculator */
.hero-calc{overflow:hidden}
.hero-calc .calc-head{padding:1.15rem 1.35rem}
.hero-calc .calc-head h3{font-size:1.02rem}
.hero-calc .calc-head span{font-size:.72rem}
.hero-calc-body{padding:1.35rem 1.4rem 1.4rem}
.hero-calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem 1.25rem}
.hero-calc .calc-row{gap:6px}
.hero-calc .calc-lbl{font-size:.7rem}
.hero-calc .calc-lbl span{font-size:.78rem}
.hero-calc .calc-slider{height:5px}
.hero-calc .calc-slider::-webkit-slider-thumb{width:17px;height:17px}
.hero-calc-range{display:flex;justify-content:space-between;font-size:.64rem;color:var(--g400)}
.hero-calc-result{background:var(--bt);border-radius:var(--r2);padding:1.1rem .8rem;display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin-top:1.2rem}
.hero-calc-result .cr-val{font-size:1.36rem}
.hero-calc-result .cr-lbl{font-size:.67rem}
.calc-disclosures{margin-top:.9rem;display:flex;flex-direction:column;gap:3px;font-size:.66rem;color:var(--g500);line-height:1.5}
.calc-disclosures strong{color:var(--bd);font-weight:700}
.hero-calc-note{font-size:.64rem;color:var(--g400);text-align:center;line-height:1.55;margin-top:.75rem}
.hero-calc-cta{display:block;background:var(--bd);color:#fff;text-align:center;padding:.82rem;border-radius:var(--r1);font-size:.76rem;font-weight:700;letter-spacing:.035em;text-transform:uppercase;transition:all var(--tr);margin-top:1rem}
.hero-calc-cta:hover{background:var(--bm);transform:translateY(-1px)}
/* Slider dots */
.hero-dots{position:absolute;bottom:1.35rem;left:2rem;display:flex;gap:7px;z-index:5}
.hdot{width:7px;height:7px;border-radius:50%;background:rgba(255,255,255,.32);transition:all .3s;border:none;padding:0;cursor:pointer}
.hdot.on{background:#fff;width:22px;border-radius:4px}

/* ===== BANKS BAR ===== */
.banks-bar{background:var(--g50);border-top:1px solid var(--br);border-bottom:1px solid var(--br);padding:1.1rem 2rem;display:flex;align-items:center;gap:1.4rem;flex-wrap:wrap}
.bb-lbl{font-size:.65rem;font-weight:700;color:var(--g400);letter-spacing:.1em;text-transform:uppercase;white-space:nowrap;flex-shrink:0}
.bb-sep{width:1px;height:22px;background:var(--br);flex-shrink:0}
.bb-logos{display:flex;gap:.7rem;flex-wrap:wrap;flex:1;align-items:center}
.bchip{background:#fff;border:1.5px solid var(--br);padding:.36rem .9rem;border-radius:var(--r1);font-size:.74rem;font-weight:700;color:var(--bd);transition:all var(--tr)}
.bchip:hover{border-color:var(--bx);box-shadow:var(--s2);transform:translateY(-1px)}
.bb-rate{margin-left:auto;font-size:.76rem;color:var(--g600);display:flex;align-items:center;gap:6px;flex-shrink:0;flex-wrap:wrap}
.bb-rate strong{color:var(--bd);font-size:.94rem;font-family:'Open Sans',Arial,sans-serif;font-weight:700}

/* ===== ABOUT (homepage) ===== */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center}
.about-imgs{position:relative;flex-shrink:0}
.ai-main{border-radius:var(--r4);overflow:hidden;height:410px}
.ai-main img{width:100%;height:100%;object-fit:cover}
.ai-sec{position:absolute;bottom:-1.4rem;right:-1.4rem;width:172px;border-radius:var(--r3);overflow:hidden;box-shadow:var(--s4);border:4px solid #fff}
.ai-sec img{width:100%;height:125px;object-fit:cover}
.since{position:absolute;top:1.4rem;left:-1.4rem;background:#fff;border-radius:var(--r2);box-shadow:var(--s3);padding:.9rem 1.1rem;text-align:center}
.since-yr{font-family:'Open Sans',Arial,sans-serif;font-size:1.9rem;font-weight:800;color:var(--bd);line-height:1}
.since-lb{font-size:.62rem;color:var(--g500);margin-top:2px}
.al{margin:1.35rem 0 1.85rem}
.al li{display:flex;align-items:flex-start;gap:8px;padding:.42rem 0;font-size:.86rem;color:var(--g600)}
.ach{width:18px;height:18px;background:var(--yw);border-radius:4px;display:flex;align-items:center;justify-content:center;font-size:.58rem;color:var(--bd);font-weight:700;flex-shrink:0;margin-top:2px}
.ab-btns{display:flex;gap:.8rem;flex-wrap:wrap}

/* ===== FEATURES ===== */
.feat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem;margin-top:2.6rem}
.feat{background:#fff;border-radius:var(--r3);padding:1.8rem 1.6rem;border:1.5px solid var(--br);transition:all var(--tr);position:relative;overflow:hidden}
.feat:hover{border-color:var(--bx);box-shadow:var(--s3);transform:translateY(-4px)}
.feat::after{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--bd),var(--bx));transform:scaleX(0);transform-origin:left;transition:transform .35s}
.feat:hover::after{transform:scaleX(1)}
.f-ico{width:48px;height:48px;border-radius:var(--r2);background:var(--bt);display:flex;align-items:center;justify-content:center;font-size:1.28rem;margin-bottom:1.05rem;border:1.5px solid var(--br)}
.feat h3{font-family:'Open Sans',Arial,sans-serif;font-size:.95rem;font-weight:700;color:var(--bd);margin-bottom:.42rem}
.feat p{font-size:.79rem;color:var(--g500);line-height:1.75}

/* ===== SERVICES ===== */
.svc-top{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:2.4rem;gap:2rem;flex-wrap:wrap}
.svc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:.95rem}
.svc{background:#fff;border:1.5px solid var(--br);border-radius:var(--r3);overflow:hidden;transition:all var(--tr);display:block}
.svc:hover{border-color:var(--bd);box-shadow:var(--s3);transform:translateY(-4px)}
.svc img{width:100%;height:155px;object-fit:cover;display:block;transition:transform .4s}
.svc:hover img{transform:scale(1.04)}
.svc-b{padding:1.2rem}
.svc-n{font-size:.6rem;font-weight:700;color:var(--bx);letter-spacing:.1em;margin-bottom:.45rem}
.svc h3{font-family:'Open Sans',Arial,sans-serif;font-size:.87rem;font-weight:700;color:var(--bd);margin-bottom:.32rem}
.svc p{font-size:.75rem;color:var(--g500);line-height:1.62}
.svc-lnk{display:inline-flex;align-items:center;gap:4px;margin-top:.8rem;font-size:.74rem;font-weight:700;color:var(--bl);text-transform:uppercase;letter-spacing:.04em;transition:gap var(--tr)}
.svc:hover .svc-lnk{gap:7px}
.spiti-box{margin-top:1.2rem;background:var(--yl);border:2px solid var(--yw);border-radius:var(--r3);padding:1.45rem 1.9rem;display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap}
.spiti-box h3{font-family:'Open Sans',Arial,sans-serif;font-size:1.08rem;font-weight:800;color:var(--bd);margin-bottom:.28rem}
.spiti-box p{font-size:.82rem;color:var(--g600)}

/* ===== SPECIAL ===== */
.special-sec{background:linear-gradient(128deg,var(--bd) 0%,var(--bm) 100%)}
.sp-head{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:2.4rem;gap:2rem;flex-wrap:wrap}
.sp-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.1rem}
.sp-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.13);border-radius:var(--r3);overflow:hidden;transition:all var(--tr);display:block;cursor:pointer}
.sp-card:hover{background:rgba(255,255,255,.14);border-color:rgba(255,255,255,.28);transform:translateY(-3px)}
.sp-card img{width:100%;height:145px;object-fit:cover;opacity:.72;transition:opacity var(--tr)}
.sp-card:hover img{opacity:.9}
.sp-body{padding:1.2rem}
.sp-ico{font-size:1.4rem;margin-bottom:.55rem}
.sp-card h3{font-family:'Open Sans',Arial,sans-serif;font-size:.9rem;font-weight:700;color:#fff;margin-bottom:.32rem}
.sp-card p{font-size:.76rem;color:rgba(255,255,255,.6);line-height:1.65}
.sp-arr{display:inline-block;color:var(--yw);margin-top:.8rem;font-size:.75rem;font-weight:700;letter-spacing:.04em;transition:transform var(--tr)}
.sp-card:hover .sp-arr{transform:translateX(4px)}

/* ===== NUMBERS ===== */
.nums-layout{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center}
.nums-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5px;background:var(--br);border-radius:var(--r3);overflow:hidden;margin-top:1.9rem}
.nc{background:#fff;padding:2.1rem 1.6rem;text-align:center;transition:background var(--tr)}
.nc:hover{background:var(--bt)}
.nv{font-family:'Open Sans',Arial,sans-serif;font-weight:800;font-size:clamp(2rem,3vw,2.7rem);color:var(--bd);line-height:1;margin-bottom:.32rem}
.nv sup{font-size:.44em;vertical-align:super}
.nl{font-size:.72rem;color:var(--g500)}
.cert-box{background:#fff;border:1.5px solid var(--br);border-radius:var(--r2);padding:1.05rem 1.3rem;display:flex;align-items:center;gap:10px;margin-top:1.8rem}
.cert-ico{width:36px;height:36px;background:var(--bt);border-radius:7px;display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}
.cert-box strong{color:var(--bd);display:block;font-size:.78rem;margin-bottom:1px}
.cert-box p{font-size:.73rem;color:var(--g500);line-height:1.5}

/* ===== INSURANCE ===== */
.ins-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem;margin-top:2.6rem}
.ins{background:#fff;border-radius:var(--r3);border:1.5px solid var(--br);overflow:hidden;transition:all var(--tr)}
.ins:hover{border-color:var(--bx);box-shadow:var(--s2);transform:translateY(-3px)}
.ins img{width:100%;height:165px;object-fit:cover}
.ins-body{padding:1.45rem}
.ins-body h3{font-family:'Open Sans',Arial,sans-serif;font-size:.95rem;font-weight:700;color:var(--bd);margin-bottom:.42rem}
.ins-body p{font-size:.79rem;color:var(--g500);line-height:1.75;margin-bottom:1.05rem}
.ins-lnk{font-size:.74rem;font-weight:700;color:var(--bl);text-transform:uppercase;letter-spacing:.04em;display:inline-flex;align-items:center;gap:4px}

/* ===== PROCESS ===== */
.proc-head{text-align:center;margin-bottom:3.4rem}
.proc-head .desc{margin:0 auto}
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:0;position:relative}
.steps::before{content:'';position:absolute;top:26px;left:10%;right:10%;height:1px;background:linear-gradient(90deg,transparent,var(--br) 15%,var(--br) 85%,transparent);z-index:0}
.step{text-align:center;position:relative;z-index:1;padding:0 .38rem}
.step-c{width:52px;height:52px;border-radius:50%;background:var(--bd);color:#fff;font-family:'Open Sans',Arial,sans-serif;font-weight:800;font-size:.94rem;display:flex;align-items:center;justify-content:center;margin:0 auto 1.05rem;box-shadow:0 4px 18px rgba(27,58,107,.28);transition:all var(--tr)}
.step:hover .step-c{background:var(--yw);color:var(--bd);transform:scale(1.08)}
.step h3{font-family:'Open Sans',Arial,sans-serif;font-size:.86rem;font-weight:700;color:var(--bd);margin-bottom:.28rem}
.step p{font-size:.73rem;color:var(--g500);line-height:1.62}

/* ===== TESTIMONIALS ===== */
.test-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem;margin-top:2.6rem}
.testi{background:#fff;border-radius:var(--r3);border:1.5px solid var(--br);padding:1.6rem;transition:all var(--tr)}
.testi:hover{box-shadow:var(--s2);transform:translateY(-2px)}
.stars{display:flex;gap:2px;margin-bottom:.8rem;font-size:.86rem}
.testi-txt{font-size:.82rem;color:var(--g600);line-height:1.82;margin-bottom:1.05rem;font-style:italic}
.testi-auth{display:flex;align-items:center;gap:8px;padding-top:.88rem;border-top:1px solid var(--br)}
.ava{width:35px;height:35px;border-radius:50%;background:linear-gradient(135deg,var(--bm),var(--bx));display:flex;align-items:center;justify-content:center;font-family:'Open Sans',Arial,sans-serif;font-weight:700;font-size:.79rem;color:#fff;flex-shrink:0}
.av-name{font-size:.79rem;font-weight:700;color:var(--bd)}
.av-loc{font-size:.69rem;color:var(--g400)}

/* ===== FAQ ===== */
.faq-layout{display:grid;grid-template-columns:1fr 1fr;gap:5.5rem;align-items:start}
.faq-item{border:1.5px solid var(--br);border-radius:var(--r2);margin-bottom:.72rem;overflow:hidden;transition:border-color var(--tr)}
.faq-item.open{border-color:var(--bm)}
.fq{display:flex;justify-content:space-between;align-items:center;padding:1rem 1.3rem;cursor:pointer;font-size:.85rem;font-weight:600;color:var(--bd);background:#fff;transition:background var(--tr);user-select:none;gap:.7rem}
.faq-item.open .fq{background:var(--bt)}
.ft{width:23px;height:23px;border-radius:50%;background:var(--bt);border:1.5px solid var(--br);display:flex;align-items:center;justify-content:center;font-size:.92rem;color:var(--bd);flex-shrink:0;transition:transform .3s,background var(--tr)}
.faq-item.open .ft{transform:rotate(45deg);background:var(--bd);color:#fff;border-color:var(--bd)}
.fa{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .3s;font-size:.8rem;color:var(--g600);line-height:1.82;padding:0 1.3rem}
.faq-item.open .fa{max-height:240px;padding:.82rem 1.3rem 1.18rem}
.faq-side{background:linear-gradient(132deg,var(--bd),var(--bm));border-radius:var(--r4);padding:2.6rem 2.1rem;text-align:center;color:#fff;position:sticky;top:82px}
.faq-side h3{font-family:'Open Sans',Arial,sans-serif;font-size:1.4rem;font-weight:800;margin-bottom:.65rem}
.faq-side p{font-size:.84rem;color:rgba(255,255,255,.7);line-height:1.72;margin-bottom:1.5rem}
.faq-tel{font-family:'Open Sans',Arial,sans-serif;font-size:1.3rem;font-weight:800;color:#fff;margin-bottom:.35rem}
.faq-telsub{font-size:.69rem;color:rgba(255,255,255,.42);margin-bottom:1.3rem}

/* ===== CONTACT FORM ===== */
.ct-layout{display:grid;grid-template-columns:1fr 460px;gap:4.5rem;align-items:start}
.ct-items{display:flex;flex-direction:column;gap:.85rem;margin-top:1.65rem}
.ci{display:flex;align-items:flex-start;gap:10px;padding:.95rem 1.15rem;background:#fff;border:1.5px solid var(--br);border-radius:var(--r2);transition:border-color var(--tr)}
.ci:hover{border-color:var(--bx)}
.ci-ico{width:36px;height:36px;background:var(--bt);border-radius:7px;display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}
.ci-lbl{font-size:.64rem;font-weight:700;color:var(--g400);letter-spacing:.08em;text-transform:uppercase;margin-bottom:1px}
.ci-val{font-size:.85rem;font-weight:600;color:var(--bd)}
.ci-sub{font-size:.69rem;color:var(--g400)}
.form-card{background:#fff;border:1.5px solid var(--br);border-radius:var(--r4);padding:2.1rem;box-shadow:var(--s2)}
.form-ttl{font-family:'Open Sans',Arial,sans-serif;font-size:1.02rem;font-weight:700;color:var(--bd);margin-bottom:1.3rem;padding-bottom:.85rem;border-bottom:1px solid var(--br)}
.fg{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}
.fgp{display:flex;flex-direction:column;gap:4px}
.fgp.full{grid-column:1/-1}
.flbl{font-size:.66rem;font-weight:700;color:var(--g600);letter-spacing:.04em;text-transform:uppercase}
.finp,.fsel{border:1.5px solid var(--br);border-radius:var(--r1);padding:.7rem .9rem;font-size:.85rem;font-family:'Open Sans',sans-serif;color:var(--tx);outline:none;transition:border-color var(--tr),box-shadow var(--tr);background:#fff;width:100%}
.finp:focus,.fsel:focus{border-color:var(--bl);box-shadow:0 0 0 3px rgba(37,99,168,.1)}
.finp::placeholder{color:var(--g400)}
.fsel{cursor:pointer;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%239CA3AF' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right .85rem center}
.fsub{width:100%;background:var(--bd);color:#fff;padding:.88rem;border:none;border-radius:var(--r1);font-size:.84rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;font-family:'Open Sans',sans-serif;cursor:pointer;transition:all var(--tr);margin-top:.32rem}
.fsub:hover{background:var(--bm);transform:translateY(-1px);box-shadow:var(--s2)}
.fdis{font-size:.66rem;color:var(--g400);text-align:center;margin-top:.6rem;line-height:1.5}

/* ===== PAGE HERO (inner pages) ===== */
.pg-hero{background:linear-gradient(110deg,var(--bd) 0%,var(--bm) 100%);padding:4rem 0 3.5rem;position:relative;overflow:hidden}
.pg-hero::before{content:'';position:absolute;right:-60px;top:-60px;width:400px;height:400px;border-radius:50%;border:1px solid rgba(255,255,255,.05)}
.pg-hero-in{max-width:1300px;margin:0 auto;padding:0 2rem;position:relative;z-index:1}
.pg-hero-in h1{font-family:'Open Sans',Arial,sans-serif;font-weight:800;font-size:clamp(1.7rem,3vw,2.5rem);color:#fff;margin-bottom:.65rem}
.breadcrumb{display:flex;align-items:center;gap:.5rem;font-size:.76rem;color:rgba(255,255,255,.55)}
.breadcrumb a{color:rgba(255,255,255,.55);transition:color var(--tr)}
.breadcrumb a:hover{color:#fff}
.breadcrumb span{color:rgba(255,255,255,.3)}

/* ===== INNER PAGE CONTENT ===== */
.pg-content{max-width:1300px;margin:0 auto;padding:3.5rem 2rem}
.pg-grid{display:grid;grid-template-columns:1fr 340px;gap:3.5rem;align-items:start}
.pg-main h2{font-family:'Open Sans',Arial,sans-serif;font-weight:700;font-size:1.35rem;color:var(--bd);margin-bottom:.75rem;margin-top:2rem}
.pg-main h2:first-child{margin-top:0}
.pg-main p{font-size:.88rem;color:var(--g600);line-height:1.9;margin-bottom:1rem}
.pg-main ul li{font-size:.88rem;color:var(--g600);line-height:1.85;padding:.3rem 0;display:flex;align-items:flex-start;gap:8px}
.pg-main ul li::before{content:'✓';background:var(--yw);color:var(--bd);font-size:.6rem;font-weight:700;width:17px;height:17px;border-radius:3px;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:3px}
.pg-img{border-radius:var(--r3);overflow:hidden;margin-bottom:1.5rem}
.pg-img img{width:100%;height:260px;object-fit:cover}
.pg-sidebar{position:sticky;top:82px}
.sidebar-card{background:#fff;border:1.5px solid var(--br);border-radius:var(--r3);padding:1.5rem;margin-bottom:1.1rem;box-shadow:var(--s1)}
.sc-title{font-family:'Open Sans',Arial,sans-serif;font-size:.88rem;font-weight:700;color:var(--bd);margin-bottom:1rem;padding-bottom:.75rem;border-bottom:1px solid var(--br)}
.sc-cta{background:var(--bd);color:#fff;display:block;text-align:center;padding:.88rem;border-radius:var(--r1);font-size:.82rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;transition:background var(--tr);margin-bottom:.75rem}
.sc-cta:hover{background:var(--bm)}
.sc-cta.yw{background:var(--yw);color:var(--bd)}
.sc-cta.yw:hover{background:var(--yd)}
.sc-tel{text-align:center;font-family:'Open Sans',Arial,sans-serif;font-size:1.2rem;font-weight:800;color:var(--bd);display:flex;align-items:center;justify-content:center;gap:6px}
.sc-tel-sub{text-align:center;font-size:.7rem;color:var(--g400);margin-top:3px}
.info-box{background:var(--bt);border:1.5px solid var(--br);border-radius:var(--r2);padding:1.1rem;margin-top:1.1rem}
.info-box h4{font-family:'Open Sans',Arial,sans-serif;font-size:.82rem;font-weight:700;color:var(--bd);margin-bottom:.6rem}
.info-row{display:flex;justify-content:space-between;padding:.4rem 0;border-bottom:1px solid rgba(0,0,0,.06);font-size:.78rem}
.info-row:last-child{border-bottom:none}
.info-row span:first-child{color:var(--g500)}
.info-row span:last-child{font-weight:700;color:var(--bd)}

/* ===== FOOTER ===== */
footer{background:var(--bd);padding:4rem 0 0}
.ft-inner{max-width:1300px;margin:0 auto;padding:0 2rem 3rem;display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:3.2rem;border-bottom:1px solid rgba(255,255,255,.08)}
.ft-logo{display:flex;align-items:center;gap:9px;margin-bottom:1.05rem}
.ft-logo img{height:30px;filter:brightness(0) invert(1)}
.ft-desc{font-size:.77rem;line-height:1.86;color:rgba(255,255,255,.5);margin-bottom:1.3rem}
.ft-soc{display:flex;gap:.48rem}
.soc{width:31px;height:31px;border-radius:6px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;font-size:.77rem;color:rgba(255,255,255,.52);transition:all var(--tr)}
.soc:hover{background:rgba(255,255,255,.16);color:#fff}
.ft-col h4{font-family:'Open Sans',Arial,sans-serif;font-size:.66rem;font-weight:700;color:#fff;letter-spacing:.1em;text-transform:uppercase;margin-bottom:1.05rem}
.ft-col ul{display:flex;flex-direction:column;gap:.5rem}
.ft-col ul a{font-size:.77rem;color:rgba(255,255,255,.5);transition:color var(--tr);display:block}
.ft-col ul a:hover{color:#fff}
.ft-bot{max-width:1300px;margin:0 auto;padding:1.3rem 2rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.6rem}
.ft-copy{font-size:.69rem;color:rgba(255,255,255,.3)}
.ft-cert{display:flex;align-items:center;gap:6px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);padding:.32rem .82rem;border-radius:100px;font-size:.65rem;color:rgba(255,255,255,.42)}
.ft-cert span{color:#4ade80;font-weight:700}
.ft-lnks{display:flex;gap:1.25rem}
.ft-lnks a{font-size:.68rem;color:rgba(255,255,255,.3);transition:color var(--tr)}
.ft-lnks a:hover{color:rgba(255,255,255,.7)}

/* ===== RESPONSIVE ===== */
@media(max-width:1100px){
  .hero-in{grid-template-columns:1fr;gap:2.5rem;padding:4rem 2rem 3rem}
  .hero-card{display:none}
  .about-grid{grid-template-columns:1fr;gap:3rem}
  .about-imgs{display:none}
  .feat-grid{grid-template-columns:repeat(2,1fr)}
  .svc-grid{grid-template-columns:repeat(2,1fr)}
  .sp-grid{grid-template-columns:repeat(2,1fr)}
  .nums-layout{grid-template-columns:1fr;gap:3rem}
  .ins-grid{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(3,1fr);gap:2rem}
  .steps::before{display:none}
  .test-grid{grid-template-columns:repeat(2,1fr)}
  .faq-layout{grid-template-columns:1fr;gap:2.5rem}
  .faq-side{position:static}
  .ct-layout{grid-template-columns:1fr;gap:2.5rem}
  .ft-inner{grid-template-columns:1fr 1fr;gap:2rem}
  .pg-grid{grid-template-columns:1fr;gap:2.5rem}
  .pg-sidebar{position:static}
}
@media(max-width:768px){
  .topbar{padding:.38rem 1rem}
  .tb-left .tb-sep,.tb-left span:not(:last-child){display:none}
  .nav-inner{padding:0 1rem;height:60px}
  .nav-menu,.nav-tel{display:none}
  .ham{display:flex}
  .mob-menu{display:flex}
  .hero-in{padding:3.2rem 1rem 2.8rem}
  .hero h1{font-size:1.72rem}
  .hero-trust{gap:.9rem}
  .banks-bar{padding:.9rem 1rem;gap:.65rem}
  .bb-sep,.bb-rate{display:none}
  .wrap{padding:0 1rem}
  .sec{padding:3.5rem 0}
  .feat-grid,.ins-grid{grid-template-columns:1fr}
  .svc-grid{grid-template-columns:1fr 1fr}
  .sp-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr;gap:1.75rem}
  .test-grid{grid-template-columns:1fr}
  .fg{grid-template-columns:1fr}
  .fgp.full{grid-column:1}
  .ft-inner{grid-template-columns:1fr;gap:2rem;padding:0 1rem 2rem}
  .ft-bot{flex-direction:column;text-align:center;padding:1rem}
  .ft-lnks,.ft-cert{display:none}
  .ab-btns,.hero-btns{flex-direction:column}
  .btn-yw,.btn-gh,.btn-p,.btn-o,.btn-y{justify-content:center;width:100%;max-width:320px}
  .pg-content{padding:2.5rem 1rem}
}
@media(max-width:480px){
  .svc-grid,.sp-grid{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .nums-grid{grid-template-columns:1fr}
}

/* ===== NOTIFICATION ===== */
.notif{position:fixed;bottom:1.5rem;right:1.5rem;background:var(--bd);color:#fff;padding:.85rem 1.5rem;border-radius:var(--r2);font-size:.82rem;font-weight:600;box-shadow:var(--s4);z-index:9999;transform:translateY(100px);opacity:0;transition:all .4s;max-width:320px}
.notif.show{transform:translateY(0);opacity:1}
.notif.green{background:#15803d}

/* ===== CALCULATOR ===== */
.calc-section{background:linear-gradient(128deg,var(--bd) 0%,var(--bm) 100%);padding:5rem 0}
.calc-wrap{max-width:900px;margin:0 auto;padding:0 2rem}
.calc-card{background:#fff;border-radius:var(--r4);box-shadow:var(--s4);overflow:hidden}
.calc-head{background:var(--bt);padding:1.5rem 2rem;border-bottom:1px solid var(--br);display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem}
.calc-head h3{font-family:'Open Sans',Arial,sans-serif;font-size:1.1rem;font-weight:800;color:var(--bd)}
.calc-head span{font-size:.75rem;color:var(--g500)}
.calc-body{padding:2rem}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.calc-row{display:flex;flex-direction:column;gap:6px}
.calc-row.full{grid-column:1/-1}
.calc-lbl{font-size:.72rem;font-weight:700;color:var(--g600);letter-spacing:.04em;text-transform:uppercase;display:flex;justify-content:space-between}
.calc-lbl span{color:var(--bl);font-weight:800;font-size:.82rem}
.calc-slider{width:100%;-webkit-appearance:none;height:5px;border-radius:3px;background:var(--g200);outline:none;transition:.2s}
.calc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:var(--bd);cursor:pointer;border:2px solid #fff;box-shadow:0 2px 6px rgba(27,58,107,.3)}
.calc-input-wrap{position:relative}
.calc-input-wrap input{border:1.5px solid var(--br);border-radius:var(--r1);padding:.7rem .9rem;font-size:.9rem;font-family:'Open Sans',sans-serif;color:var(--tx);outline:none;width:100%;transition:border-color var(--tr)}
.calc-input-wrap input:focus{border-color:var(--bl)}
.calc-input-wrap .unit{position:absolute;right:.9rem;top:50%;transform:translateY(-50%);font-size:.8rem;color:var(--g400);font-weight:600}
.calc-result{background:var(--bt);border-radius:var(--r3);padding:1.5rem;display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;margin-top:1.5rem}
.cr-item{text-align:center}
.cr-val{font-family:'Open Sans',Arial,sans-serif;font-size:1.5rem;font-weight:800;color:var(--bd);line-height:1;margin-bottom:.3rem}
.cr-val.yw{color:#C5A100}
.cr-lbl{font-size:.68rem;color:var(--g500);letter-spacing:.03em}
.calc-note{font-size:.7rem;color:var(--g400);text-align:center;margin-top:1rem;line-height:1.6}
.calc-cta-row{display:flex;gap:1rem;justify-content:center;margin-top:1.5rem;flex-wrap:wrap}
.calc-bank-row{display:flex;gap:.6rem;flex-wrap:wrap;justify-content:center;margin-top:1.25rem}
.bank-pill{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);padding:.35rem .85rem;border-radius:100px;font-size:.72rem;color:rgba(255,255,255,.85);font-weight:600}

/* ===== CTA BAND ===== */
.cta-band{background:var(--yw);padding:3rem 2rem;text-align:center}
.cta-band h3{font-family:'Open Sans',Arial,sans-serif;font-size:1.5rem;font-weight:800;color:var(--bd);margin-bottom:.5rem}
.cta-band p{font-size:.9rem;color:rgba(27,58,107,.75);margin-bottom:1.5rem}
.cta-band-btns{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}
.btn-bd{display:inline-flex;align-items:center;gap:7px;background:var(--bd);color:#fff;padding:.88rem 2rem;border-radius:var(--r1);font-size:.84rem;font-weight:700;letter-spacing:.03em;text-transform:uppercase;transition:all var(--tr)}
.btn-bd:hover{background:var(--bm);transform:translateY(-2px);box-shadow:var(--s3)}
.btn-bd-o{display:inline-flex;align-items:center;gap:7px;background:transparent;color:var(--bd);border:2px solid var(--bd);padding:.88rem 2rem;border-radius:var(--r1);font-size:.84rem;font-weight:700;letter-spacing:.03em;text-transform:uppercase;transition:all var(--tr)}
.btn-bd-o:hover{background:var(--bd);color:#fff}

/* ===== PAGE INNER ENHANCEMENTS ===== */
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin:1.5rem 0}
.ig-card{background:var(--bt);border:1.5px solid var(--br);border-radius:var(--r2);padding:1.2rem;text-align:center;transition:all var(--tr)}
.ig-card:hover{border-color:var(--bl);box-shadow:var(--s2)}
.ig-ico{font-size:1.5rem;margin-bottom:.5rem}
.ig-val{font-family:'Open Sans',Arial,sans-serif;font-size:1.3rem;font-weight:800;color:var(--bd);margin-bottom:.2rem}
.ig-lbl{font-size:.7rem;color:var(--g500)}
.step-list{counter-reset:steps;margin:1rem 0}
.step-list li{counter-increment:steps;display:flex;align-items:flex-start;gap:12px;padding:.7rem 0;border-bottom:1px solid var(--g100);font-size:.87rem;color:var(--g600)}
.step-list li:last-child{border-bottom:none}
.step-list li::before{content:counter(steps);min-width:26px;height:26px;border-radius:50%;background:var(--bd);color:#fff;font-family:'Open Sans',Arial,sans-serif;font-weight:700;font-size:.78rem;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}
.cta-inline{background:linear-gradient(110deg,var(--bd),var(--bm));border-radius:var(--r3);padding:2rem;display:flex;justify-content:space-between;align-items:center;gap:1.5rem;flex-wrap:wrap;margin:2rem 0}
.cta-inline h4{font-family:'Open Sans',Arial,sans-serif;font-size:1.05rem;font-weight:700;color:#fff;margin-bottom:.35rem}
.cta-inline p{font-size:.8rem;color:rgba(255,255,255,.7)}
.alert-box{background:var(--yl);border:2px solid var(--yw);border-radius:var(--r2);padding:1rem 1.25rem;display:flex;gap:10px;align-items:flex-start;margin:1.25rem 0}
.alert-box span{font-size:1.1rem;flex-shrink:0;margin-top:1px}
.alert-box p{font-size:.82rem;color:var(--bd);line-height:1.65}
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:1.25rem 0}
.pros,.cons{border-radius:var(--r2);padding:1.1rem}
.pros{background:#f0fdf4;border:1.5px solid #86efac}
.cons{background:#fef2f2;border:1.5px solid #fca5a5}
.pros h4{color:#15803d;font-family:'Open Sans',Arial,sans-serif;font-size:.82rem;font-weight:700;margin-bottom:.6rem}
.cons h4{color:#dc2626;font-family:'Open Sans',Arial,sans-serif;font-size:.82rem;font-weight:700;margin-bottom:.6rem}
.pros li,.cons li{font-size:.78rem;padding:.28rem 0;display:flex;align-items:flex-start;gap:6px;color:var(--g700)}
.pros li::before{content:'✓';color:#15803d;font-weight:700;flex-shrink:0}
.cons li::before{content:'!';color:#dc2626;font-weight:700;flex-shrink:0}
@media(max-width:768px){
  .calc-grid,.info-grid,.pros-cons{grid-template-columns:1fr}
  .calc-result{grid-template-columns:1fr 1fr;gap:.75rem}
  .cta-band-btns{flex-direction:column;align-items:center}
  .cta-inline{flex-direction:column;text-align:center}
}


/* ===== REAL FINANCE REFRESH / 22 SEPTEMBER 2026 =====
   Deep blue follows the supplied official logo visually.
   Saturated blue and cyan strengthen the interface; photography is never faded.
   No logo artwork or photograph has been regenerated.
*/
body{font-size:16px;line-height:1.75}
[hidden]{display:none!important}
:focus-visible{outline:3px solid var(--bx);outline-offset:4px}
input:focus-visible,textarea:focus-visible,select:focus-visible{outline-offset:2px}
a,button{-webkit-tap-highlight-color:transparent}
p,h1,h2,h3,h4{overflow-wrap:break-word}
.skip-link{position:fixed;top:8px;left:8px;padding:12px 20px;background:var(--yw);color:var(--bd);font-weight:700;z-index:10000;transform:translateY(-160%)}
.skip-link:focus{transform:translateY(0)}
#site-content{outline:none}
#loan-calculator{scroll-margin-top:90px}
.topbar{padding:.5rem 2rem;background:var(--bd)}
.tb-left a,.tb-left span{color:rgba(255,255,255,.93);font-size:.73rem}
.tb-phone{font-size:.77rem}
.nav-inner{max-width:1392px;height:76px;gap:1rem}
.nav-item>a,.nav-trigger{height:76px;font-size:.74rem;font-weight:700;letter-spacing:0;text-transform:none;color:var(--g600);padding:0 .66rem}
.nav-trigger{display:flex;align-items:center;gap:7px;border-bottom:3px solid transparent}
.nav-trigger:hover,.nav-trigger.active,.nav-item>a.active{color:var(--bm);border-bottom-color:var(--bx)}
.nav-item>a:hover{color:var(--bm);border-bottom-color:var(--bx)}
.nav-with-link{display:flex;align-items:center}
.nav-with-link>a{padding-right:.25rem}
.drop-toggle{color:var(--bd);padding:0 .38rem;height:76px;font-size:1rem;min-width:24px}
.drop{min-width:315px;padding:.65rem;border-top:3px solid var(--bx)}
.drop a{font-size:.8rem;line-height:1.5}
.nav-item:focus-within .drop,.nav-item.drop-open .drop{opacity:1;visibility:visible;transform:translateY(0)}
.logo-link{min-width:174px}
.logo-link img{width:180px;height:36px;object-fit:contain}
.logo-fallback{font-family:'Open Sans',Arial,sans-serif;font-weight:800;font-size:1.14rem;color:var(--bd);letter-spacing:.01em;white-space:nowrap}
.btn-nav{font-size:.74rem;padding:.65rem 1rem;text-transform:none;letter-spacing:0}
.ham{min-width:42px;min-height:42px;align-items:center;justify-content:center}
.mob-menu{overscroll-behavior:contain}
.mob-menu.open{max-height:calc(100dvh - 100px);overflow-y:auto}
.mob-menu a{font-size:.86rem;line-height:1.5;padding:.8rem 1.5rem}
.mob-sec{font-size:.68rem;letter-spacing:.04em}
.mobile-contact{background:var(--yw);color:var(--bd)!important;font-weight:800!important}
.btn-p,.sc-cta,.hc-cta,.hero-calc-cta,.fsub{background:var(--bm);border-color:var(--bm)}
.btn-p:hover,.sc-cta:hover,.hc-cta:hover,.hero-calc-cta:hover,.fsub:hover{background:var(--bd);border-color:var(--bd)}
.btn-p,.btn-o,.btn-y,.btn-yw,.btn-gh,.btn-bd,.btn-bd-o,.sc-cta,.fsub{letter-spacing:0;text-transform:none;line-height:1.5}
.btn-p,.btn-o,.btn-yw,.btn-gh{font-size:.83rem}
.btn-yw,.btn-y,.btn-nav,.sc-cta.yw{color:var(--bd)}
.desc{font-size:.94rem;line-height:1.88;color:var(--g500)}
h2.tt{line-height:1.3}
.tag{letter-spacing:.065em}
.tag.light{color:rgba(255,255,255,.9)}
.desc.white{color:rgba(255,255,255,.9)}
.hero{min-height:0;background:linear-gradient(118deg,#003D70 0%,#0059AB 57%,#087ABD 100%)}
.hero-in{max-width:1360px;padding:3.1rem 2rem 2.8rem;grid-template-columns:minmax(0,1fr) minmax(0,1.06fr);gap:2.2rem 2.8rem}
.hero-copy{min-width:0}
.hero-bdg{letter-spacing:.02em;font-size:.66rem;line-height:1.6;padding:.48rem .8rem;margin-bottom:1.15rem;background:rgba(255,255,255,.10)}
.bdg-dot{animation:none;flex-shrink:0}
.hero h1{font-size:clamp(1.95rem,3vw,2.64rem);line-height:1.25;letter-spacing:-.025em;margin-bottom:1.2rem}
.hero h1 em{border:0;color:#FFDA37}
.hero-desc{font-size:.96rem;line-height:1.9;font-weight:400;color:rgba(255,255,255,.96);max-width:560px;margin-bottom:1.4rem}
.hero-btns{gap:.7rem;margin-bottom:1.45rem}
.hero-btns .btn-gh{border-color:rgba(255,255,255,.7)}
.hero-trust{gap:.55rem 1rem}
.tr-item{color:#fff;font-size:.74rem}
.tr-ck{background:var(--yw);color:var(--bd);border:0;font-weight:800}
.hero-footnote{color:rgba(255,255,255,.85);font-size:.69rem;line-height:1.7;margin-top:.95rem;max-width:520px}
.hero-visual{min-width:0;width:100%;background:#fff;border-radius:18px;overflow:hidden;box-shadow:0 16px 44px rgba(0,34,70,.23);align-self:center}
.hero-photo{aspect-ratio:3/2;background:#dfeaf3;overflow:hidden}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:center;opacity:1!important;filter:none;transition:none}
.hero-photo-caption{padding:1rem 1.2rem;display:flex;align-items:center;justify-content:space-between;gap:.65rem}
.photo-eyebrow{display:block;color:var(--bm);font-size:.61rem;letter-spacing:.09em;font-weight:800;margin-bottom:.22rem}
.hero-photo-caption p{font-size:.8rem;font-weight:600;line-height:1.5;color:var(--bd)}
.hero-dots{position:static;display:flex;gap:2px;flex-shrink:0}
.hdot,.hdot.on{width:30px;height:34px;min-width:30px;border-radius:6px;background:transparent;display:grid;place-items:center}
.hdot::after{content:'';width:7px;height:7px;border-radius:100px;background:#A3B9CC;transition:width .2s}
.hdot.on::after{background:var(--bm);width:20px}
.hero-card{display:block}
.hero-calc{grid-column:1/-1;border-radius:16px}
.hero-calc .calc-head{padding:.9rem 1.35rem;background:#fff;gap:.6rem}
.hero-calc .calc-head h3{font-size:1rem}
.hero-calc .calc-head>span{font-size:.7rem}
.hero-calc-body{display:grid;grid-template-columns:minmax(0,1fr) 285px;grid-template-areas:"controls result" "disclosures cta" "note cta";gap:.7rem 1.65rem;padding:1.25rem 1.35rem 1.3rem}
.hero-calc-grid{grid-area:controls;grid-template-columns:repeat(4,minmax(0,1fr));gap:1.2rem}
.hero-calc-result{grid-area:result;margin:0;padding:.8rem .5rem;align-content:center}
.hero-calc .calc-disclosures{grid-area:disclosures;margin:0}
.hero-calc-note{grid-area:note;margin:0;text-align:left;color:var(--g500);font-size:.65rem;line-height:1.65}
.hero-calc-cta{grid-area:cta;display:flex;align-items:center;justify-content:center;text-align:center;align-self:center;margin:0;min-height:48px;font-size:.75rem;text-transform:none;letter-spacing:0}
.hero-calc .calc-lbl{font-size:.64rem;line-height:1.5;letter-spacing:0;text-transform:none;align-items:start;gap:.25rem;flex-wrap:wrap}
.hero-calc .calc-lbl span{font-size:.75rem}
.hero-calc-range{font-size:.61rem;color:var(--g500)}
.calc-disclosures{font-size:.71rem;line-height:1.6;gap:.3rem}
.levy-choice{display:flex;align-items:flex-start;gap:7px;cursor:pointer}
.levy-choice input{accent-color:var(--bm);width:15px;height:15px;margin-top:3px;flex-shrink:0}
.cr-val.yw{color:var(--bm)}
.calc-section{background:linear-gradient(120deg,#003D70,#0067B9)}
.calc-note{font-size:.72rem;color:var(--g500)}
.calc-lbl{letter-spacing:0;text-transform:none;flex-wrap:wrap;gap:.25rem}
.calc-row{min-width:0}
.calc-slider{min-height:24px;height:24px;background:transparent;appearance:none;-webkit-appearance:none;margin:.25rem 0}
.calc-slider::-webkit-slider-runnable-track{height:5px;background:linear-gradient(90deg,var(--bm),var(--bx));border-radius:4px}
.calc-slider::-webkit-slider-thumb{margin-top:-7px;width:20px!important;height:20px!important;background:var(--bm)}
.calc-slider::-moz-range-track{height:5px;background:#C8E1F5;border-radius:4px}
.calc-slider::-moz-range-progress{height:5px;background:var(--bm);border-radius:4px}
.calc-slider::-moz-range-thumb{width:17px;height:17px;border:2px solid #fff;border-radius:50%;background:var(--bm)}
.calc-slider:focus-visible{outline:3px solid var(--bx);outline-offset:4px}
.calc-result .cr-lbl,.hero-calc-result .cr-lbl{font-size:.71rem;line-height:1.45}
.banks-bar{justify-content:center;gap:1rem;padding:1.2rem max(2rem,calc((100vw - 1296px)/2));background:#fff}
.bb-logos{gap:.6rem}
.bchip{font-size:.74rem;padding:.45rem .75rem;border-color:#C4D9EB;color:var(--bd);background:var(--bt)}
.bb-rate{font-size:.68rem;color:var(--g500)}
.bb-lbl{color:var(--g500)}
.about-imgs{display:block;margin:1rem}
.ai-main{height:460px}
.ai-main img{object-position:50% 27%;opacity:1}
.ai-sec{width:215px;right:-.8rem}
.ai-sec img{height:145px}
.since{left:-.8rem;top:1rem;max-width:160px;padding:1rem}
.since-lb{font-size:.65rem;line-height:1.5;margin-top:5px}
.svc{display:flex;flex-direction:column}
.svc-b{display:flex;flex-direction:column;flex:1}
.svc img{height:175px;opacity:1}
.svc h3{font-size:.91rem;line-height:1.4;min-height:2.8em}
.svc p{font-size:.79rem;line-height:1.8;margin-bottom:.75rem}
.svc-lnk{margin-top:auto;padding-top:.35rem;letter-spacing:0;text-transform:none}
.feat h3{line-height:1.5}
.feat p{font-size:.82rem}
.sp-card img,.sp-card:hover img{opacity:1;filter:none}
.sp-card img{height:175px}
.sp-card p{color:rgba(255,255,255,.9);font-size:.8rem}
.special-sec{background:linear-gradient(120deg,#003D70,#0067B9)}
.sp-card{background:rgba(255,255,255,.07)}
.sp-card h3{line-height:1.5}
.sp-arr{text-transform:none;letter-spacing:0}
.spiti-box{padding:1.45rem 1.65rem}
.nv{font-size:clamp(1.8rem,3vw,2.35rem)}
.nl{font-size:.76rem}
.data-note{font-size:.71rem;line-height:1.7;color:var(--g500);margin-top:.85rem}
.ins img{opacity:1;height:195px}
.ins:nth-child(3) img{object-position:50% 25%}
.ins-body h3{font-size:.92rem;line-height:1.5}
.ins-body p{font-size:.82rem}
.ins-lnk{text-transform:none;letter-spacing:0}
.steps{gap:1rem}
.step h3{font-size:.87rem;line-height:1.5}
.step p{font-size:.78rem;line-height:1.8}
.people-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.3rem;margin-top:2.1rem}
.people-card{overflow:hidden;background:#fff;border:1px solid var(--br);border-radius:16px}
.people-card img{width:100%;height:270px;object-fit:cover;opacity:1;filter:none}
.people-card:nth-child(1) img{object-position:50% 22%}
.people-card:nth-child(2) img{object-position:50% 46%}
.people-card>div{padding:1.3rem 1.4rem 1.5rem}
.people-card h3{font-size:1rem;color:var(--bd);line-height:1.5;margin-bottom:.4rem}
.people-card p{font-size:.83rem;color:var(--g500);line-height:1.85}
.faq-item{background:#fff}
.fq{width:100%;text-align:left;list-style:none;font-size:.85rem;line-height:1.6}
.fq::-webkit-details-marker{display:none}
.fa{max-height:none;padding:0 1.3rem 1.2rem;font-size:.82rem}
details:not([open]) .fa{display:none}
details[open]{border-color:var(--bm)}
details[open] .fq{background:var(--bt)}
details[open] .ft{transform:rotate(45deg);background:var(--bm);color:#fff;border-color:var(--bm)}
details[open] .fa{padding-top:1rem}
.faq-side p{color:rgba(255,255,255,.9)}
.faq-telsub{color:rgba(255,255,255,.8);font-size:.74rem}
.faq-side>div:last-child{color:rgba(255,255,255,.8)!important}
.pg-hero{background:linear-gradient(118deg,#003D70,#005EB8)}
.pg-hero-in h1{max-width:1100px;font-size:clamp(1.6rem,2.7vw,2.35rem);line-height:1.35;margin-top:.7rem}
.breadcrumb{flex-wrap:wrap}
.breadcrumb,.breadcrumb a,.breadcrumb span{color:rgba(255,255,255,.85)}
.pg-main p{font-size:.94rem;line-height:1.95}
.pg-main h2{line-height:1.45;font-size:1.25rem}
.pg-main ul li,.step-list li{font-size:.9rem;line-height:1.85}
.pg-img img{height:320px;opacity:1;filter:none}
#pg-about .pg-img img{height:auto;aspect-ratio:3/2}
#pg-dimosii .pg-img img,#pg-asfal-ygeia .pg-img img{object-position:50% 27%}
.ig-val{font-size:1.12rem;line-height:1.5;overflow-wrap:normal}
.ig-lbl{font-size:.74rem;line-height:1.6}
.ig-card{padding:1.1rem .75rem}
.pg-main .content-note{font-size:.79rem;line-height:1.8;background:var(--bt);border-left:3px solid var(--bx);padding:1rem 1.2rem;margin-top:1.5rem}
.pg-main .source-note{font-size:.77rem;line-height:1.75}
.source-note a,.content-note a,.alert-box a{color:var(--bm);text-decoration:underline;text-underline-offset:3px}
.program-status p{font-size:.86rem;margin:.45rem 0 0;line-height:1.85}
.program-status>div{min-width:0}
.alert-box>div>strong{color:var(--bd);font-size:.87rem}
.info-row{gap:.75rem;align-items:baseline;font-size:.76rem;line-height:1.7}
.info-row span{min-width:0}
.info-row span:last-child{text-align:right;max-width:57%}
.sc-tel{font-size:1.07rem}
.sc-title{line-height:1.5}
.sc-tel-sub{font-size:.7rem}
.cta-inline p{margin-bottom:0!important}
.cta-band p{color:var(--bd)}
.cta-band h3{line-height:1.5}
.pg-main .pros li::before,.pg-main .cons li::before{background:none;border-radius:0;margin-top:2px}
.pg-main .pros li::before{color:#15803d}
.pg-main .cons li::before{content:'!';color:#B91C1C}
.form-card{padding:1.8rem}
.form-intro{font-size:.82rem;color:var(--g500);line-height:1.8;margin-bottom:1.1rem}
.form-ttl{margin-bottom:.8rem}
.finp,.fsel{font-size:.91rem}
textarea.finp{resize:vertical;min-height:110px}
.flbl{font-size:.68rem;letter-spacing:0}
.fdis{font-size:.71rem;line-height:1.8;color:var(--g500)}
.fdis a{text-decoration:underline}
.email-draft{margin-top:1.1rem;border-top:1px solid var(--br);padding-top:1rem}
.email-draft p{font-size:.8rem;color:var(--g600);line-height:1.85;margin-bottom:.85rem}
.email-draft label{display:block;font-size:.77rem;font-weight:700;margin-top:1rem;margin-bottom:.4rem}
.email-draft textarea{resize:vertical;width:100%;border:1px solid var(--br);border-radius:8px;padding:.8rem;font:inherit;font-size:.82rem;color:var(--tx)}
.email-draft .btn-o{margin-top:.7rem}
.email-draft a{text-decoration:none}
.contact-location{margin-top:1.5rem;border:1px solid var(--br);border-radius:16px;overflow:hidden}
.contact-location img{width:100%;height:260px;object-fit:cover}
.location-caption{padding:1rem 1.25rem;background:var(--bt)}
.location-caption span{display:block;font-size:.81rem;color:var(--g600)}
.location-caption a{color:var(--bm);display:inline-block;margin-top:.35rem;font-size:.8rem;font-weight:700}
footer{background:var(--bd)}
.ft-logo img{width:180px;height:36px;object-fit:contain}
.ft-logo .logo-fallback{color:#fff}
.ft-desc{color:rgba(255,255,255,.83);font-size:.8rem}
.ft-col ul a,.ft-col ul button{font-size:.79rem;color:rgba(255,255,255,.83);text-align:left}
.ft-col ul a:hover,.ft-col ul button:hover{color:#fff;text-decoration:underline}
.ft-col h4{font-size:.7rem}
.ft-copy,.ft-cert{color:rgba(255,255,255,.76)}
.ft-lnks{align-items:center;flex-wrap:wrap}
.ft-lnks a,.ft-lnks button{font-size:.71rem;color:rgba(255,255,255,.8)}
.ft-lnks a:hover,.ft-lnks button:hover{text-decoration:underline;color:#fff}
.soc{color:#fff}
.notif{max-width:420px;font-size:.82rem;line-height:1.75}
.site-dialog{border:0;border-radius:18px;padding:2rem;max-width:600px;width:calc(100% - 2rem);margin:auto;color:var(--tx);box-shadow:var(--s4);max-height:85dvh;overflow-y:auto}
.site-dialog::backdrop{background:rgba(0,29,59,.65)}
.site-dialog h2{font-size:1.4rem;color:var(--bd);padding-right:1.5rem;line-height:1.4;margin-bottom:1rem}
.site-dialog p{font-size:.88rem;line-height:1.9;margin-bottom:.9rem}
.site-dialog a{color:var(--bm);text-decoration:underline}
.dialog-close{position:absolute;top:.7rem;right:.8rem;font-size:1.5rem;width:36px;height:36px;color:var(--bd)}
.noscript-note{padding:1rem 2rem;background:var(--yl);color:var(--bd);font-size:.9rem}
.image-unavailable{display:none!important}
.media-fallback{background:linear-gradient(130deg,#004D8F,#1684BD);min-height:170px;display:flex;align-items:center;justify-content:center;padding:1rem;color:#fff}
.media-fallback span{font-size:.85rem;font-weight:700;line-height:1.6;text-align:center;max-width:230px}
.media-fallback::before{content:'◇';font-size:3rem;opacity:.7;margin-right:1rem}
.pg-img.media-fallback{min-height:240px}
@media(min-width:1201px){
 .mob-menu{display:none!important}
 .ham{display:none}
}
@media(max-width:1200px){
 .nav-menu{display:none}
 .ham{display:flex}
 .mob-menu{display:flex}
 .nav-inner{height:70px}
 .hero-calc-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
 .hero-calc-body{grid-template-columns:minmax(0,1fr) 280px}
 .hero h1{font-size:2.05rem}
 .hero-bdg{font-size:.64rem}
 .hero-photo-caption{padding:.85rem}
 .hero-photo-caption p{font-size:.75rem}
 .hero-dots{gap:0}
 .hdot,.hdot.on{min-width:24px;width:24px}
 .bb-rate{display:none}
}
@media(max-width:1000px){
 .hero-in{grid-template-columns:minmax(0,1fr);padding:2.6rem 2rem 2.8rem;gap:2rem}
 .hero-copy{max-width:760px}
 .hero h1{font-size:2.4rem}
 .hero-desc{max-width:680px}
 .hero-visual{max-width:760px;justify-self:center}
 .hero-photo{max-height:460px;aspect-ratio:3/2}
 .hero-calc{grid-column:1}
 .about-imgs{max-width:560px;width:calc(100% - 2rem);margin:1rem auto}
 .people-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
 .people-card:last-child{grid-column:1/-1}
 .people-card:last-child img{height:300px}
 .nums-grid{max-width:740px}
 .ft-inner{gap:2.2rem}
}
@media(max-width:768px){
 .topbar{padding:.45rem 1rem;gap:.65rem}
 .tb-left{gap:0}
 .tb-left>span,.tb-left .tb-sep{display:none}
 .tb-left a{font-size:.69rem}
 .tb-phone{font-size:.7rem;padding:.28rem .6rem}
 .nav-inner{height:64px;padding:0 1rem}
 .logo-link{min-width:0}
 .logo-link img{width:160px;height:32px}
 .logo-fallback{font-size:1.05rem}
 .btn-nav{font-size:.68rem;padding:.5rem .65rem}
 .nav-right{gap:.25rem}
 .hero-in{padding:2.2rem 1rem 2.2rem;gap:1.8rem}
 .hero h1{font-size:clamp(1.8rem,6vw,2.25rem)}
 .hero-desc{font-size:.92rem}
 .hero-bdg{font-size:.62rem}
 .hero-btns{flex-direction:row}
 .hero-btns a{width:auto;max-width:none;padding:.75rem 1.15rem;font-size:.78rem}
 .hero-trust{gap:.6rem .85rem}
 .tr-item{font-size:.72rem}
 .hero-footnote{font-size:.67rem}
 .hero-photo-caption{padding:.85rem 1rem}
 .hero-photo-caption p{font-size:.77rem}
 .hero-calc .calc-head{padding:1rem;display:block}
 .hero-calc .calc-head>span{display:block;margin-top:.35rem}
 .hero-calc .calc-head h3{font-size:.98rem}
 .hero-calc-body{display:block;padding:1.1rem}
 .hero-calc-grid{grid-template-columns:1fr 1fr;gap:1.15rem}
 .hero-calc .calc-lbl{font-size:.69rem}
 .hero-calc .calc-lbl span{font-size:.8rem}
 .hero-calc-result{margin-top:1.1rem}
 .hero-calc .calc-disclosures{margin-top:1rem}
 .hero-calc-note{margin-top:.8rem;font-size:.69rem}
 .hero-calc-cta{margin-top:1rem;width:100%;font-size:.8rem}
 .banks-bar{padding:1rem;gap:.8rem}
 .bb-lbl{width:100%;font-size:.67rem;text-align:center}
 .bb-logos{justify-content:center}
 .bchip{font-size:.72rem;padding:.4rem .7rem}
 .about-imgs{margin:1rem auto 1.5rem}
 .ai-main{height:440px}
 .ai-sec{width:185px}
 .ai-sec img{height:130px}
 .since{max-width:145px}
 .people-grid{grid-template-columns:1fr}
 .people-card:last-child{grid-column:auto}
 .people-card img,.people-card:last-child img{height:290px}
 .spiti-box{padding:1.3rem}
 .calc-wrap{padding:0 1rem}
 .calc-body{padding:1.3rem}
 .calc-grid{grid-template-columns:1fr 1fr;gap:1.3rem}
 .calc-head{padding:1.2rem}
 .calc-lbl{font-size:.66rem}
 .calc-result{padding:1rem}
 .cta-band{padding:2.3rem 1rem}
 .cta-band h3{font-size:1.25rem}
 .cta-inline{padding:1.4rem}
 .pg-hero{padding:2.3rem 0}
 .pg-hero-in{padding:0 1rem}
 .pg-img img{height:240px}
 .pg-main h2{font-size:1.2rem}
 .pg-main p{font-size:.91rem}
 .ct-layout{gap:2rem}
 .form-card{padding:1.25rem}
 .finp,.fsel{font-size:16px}
 .flbl{font-size:.72rem}
 .ft-lnks,.ft-cert{display:flex}
 .ft-cert{border-radius:12px;text-align:center}
 .ft-lnks{justify-content:center;gap:1rem}
 .ft-bot{gap:1rem;padding:1.25rem}
 .notif{right:1rem;left:1rem;bottom:1rem;max-width:none}
}
@media(max-width:420px){
 .btn-nav{display:none}
 .hero-btns{flex-direction:column}
 .hero-btns a{width:100%;max-width:none}
 .hero-bdg{padding:.5rem .6rem}
 .hero-photo-caption{align-items:flex-start;gap:.4rem}
 .photo-eyebrow{font-size:.55rem;letter-spacing:.05em}
 .hero-photo-caption p{font-size:.73rem}
 .hero-calc-grid,.calc-grid{grid-template-columns:1fr}
 .hero-calc .calc-lbl{font-size:.72rem}
 .hero-calc-range{font-size:.66rem}
 .calc-result .cr-val{font-size:1.3rem}
 .ai-main{height:365px}
 .ai-sec{width:155px;right:-.6rem;bottom:-1rem}
 .ai-sec img{height:110px}
 .since{left:-.6rem}
 .sc-tel{font-size:1rem}
 .info-row{font-size:.74rem}
 .breadcrumb{font-size:.7rem}
}
@media(prefers-reduced-motion:reduce){
 html{scroll-behavior:auto}
 *,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
}

.nav-item.force-closed .drop{opacity:0;visibility:hidden;transform:translateY(-6px)} .hero-calc .calc-slider{height:24px}

/* ===== REAL FINANCE v2 — background hero, one calculator, category FAQs ===== */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.hero-v2{isolation:isolate;min-height:620px;background:#003D70;display:flex;align-items:center}
.hero-v2 .hero-backdrop{position:absolute;inset:0;z-index:0;pointer-events:none}
.hero-v2 .hero-backdrop img{display:block;width:100%;height:100%;object-fit:cover;object-position:center 38%;opacity:1;filter:none}
.hero-v2 .hero-shade{position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,rgba(0,45,89,.98) 0%,rgba(0,58,113,.93) 27%,rgba(0,67,127,.78) 42%,rgba(0,66,127,.23) 66%,rgba(0,52,98,.035) 100%),linear-gradient(0deg,rgba(0,40,78,.55) 0%,transparent 24%)}
.hero-v2 .hero-in{position:relative;z-index:2;display:block;max-width:1300px;width:100%;margin:0 auto;padding:4.2rem 2rem 6.5rem}
.hero-v2 .hero-copy{max-width:635px}
.hero-v2 .hero-bdg{max-width:590px;background:rgba(0,39,78,.4);border:1px solid rgba(255,255,255,.32);padding:.5rem .85rem;line-height:1.7;font-size:.65rem;letter-spacing:.015em;text-transform:none;color:#fff;margin-bottom:1.35rem}
.hero-v2 .bdg-dot{flex-shrink:0;background:#F5C800;animation:none}
.hero-v2 h1{font-family:'Open Sans',Arial,sans-serif;font-size:clamp(2.12rem,3.35vw,3.05rem);font-weight:800;line-height:1.22;letter-spacing:-.035em;color:#fff;margin:0 0 1.2rem;text-wrap:balance}
.hero-v2 h1 em{font-style:normal;color:#F5C800;border:0}
.hero-v2 .hero-desc{font-size:.96rem;line-height:1.85;max-width:520px;color:#fff;font-weight:400;margin-bottom:1.8rem}
.hero-v2 .hero-btns{flex-direction:row;gap:.75rem;margin-bottom:1.6rem}
.hero-v2 .hero-btns a{width:auto;max-width:none;text-transform:none;letter-spacing:0;padding:.85rem 1.2rem;font-size:.8rem;min-height:47px;border-radius:7px}
.hero-v2 .hero-btns .btn-gh{border-color:rgba(255,255,255,.65);background:rgba(0,44,88,.34)}
.hero-v2 .hero-btns .btn-gh:hover{background:#005EB8;border-color:#fff}
.hero-v2 .hero-trust{gap:.6rem 1rem;max-width:560px}
.hero-v2 .tr-item{font-size:.7rem;color:#fff;line-height:1.6}
.hero-v2 .tr-ck{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.45);color:#fff}
.hero-v2 .hero-footnote{font-size:.67rem;line-height:1.75;max-width:535px;color:rgba(255,255,255,.92);margin-top:.95rem}
.hero-v2 .hero-bottom{position:absolute;bottom:0;z-index:3;left:50%;transform:translateX(-50%);display:flex;align-items:center;justify-content:space-between;width:100%;max-width:1300px;padding:1.1rem 2rem;gap:1rem;color:#fff}
.hero-v2 .hero-bottom-label{font-size:.64rem;font-weight:700;letter-spacing:.15em}
.hero-v2 .hero-scene-controls{display:flex;align-items:center;gap:.7rem;background:rgba(0,40,78,.65);border:1px solid rgba(255,255,255,.3);border-radius:100px;padding:.15rem .55rem .15rem .85rem}
.hero-v2 .hero-scene-label{font-size:.69rem;line-height:1.4;color:#fff;margin:0;min-width:116px;text-align:right}
.hero-v2 .hero-dots{position:static;display:flex;gap:0}
.hero-v2 .hdot,.hero-v2 .hdot.on{display:grid;place-items:center;min-width:34px;width:34px;height:38px;background:transparent;border-radius:50%;border:0}
.hero-v2 .hdot::after{background:rgba(255,255,255,.68);width:7px;height:7px}
.hero-v2 .hdot.on::after{width:19px;background:#F5C800}
.hero-v2 .hdot:focus-visible{outline:2px solid #fff;outline-offset:0}
#loan-calculator,.category-faq,.faq-group{scroll-margin-top:92px}

/* An independent, unobstructed calculator below the partner bar. */
.calculator-v2{background:linear-gradient(110deg,#F2F8FD,#fff);border-bottom:1px solid var(--br);padding:4.5rem 0}
.calculator-v2 .calculator-layout{display:grid;grid-template-columns:minmax(0,.78fr) minmax(0,1.22fr);align-items:center;gap:3.2rem;max-width:1300px;padding:0 2rem}
.calculator-v2 .calculator-intro{min-width:0}
.calculator-v2 .calculator-intro h2{font-size:clamp(1.65rem,2.5vw,2.25rem);line-height:1.28;text-wrap:balance;margin-bottom:1rem}
.calculator-v2 .calculator-intro .desc{font-size:.91rem;line-height:1.9}
.calculator-v2 .calculator-tip{font-size:.8rem;line-height:1.85;color:var(--g600);padding-left:1rem;border-left:3px solid var(--bx);margin:1.5rem 0 1.3rem}
.calculator-v2 .calculator-tip strong{font-weight:700;color:var(--bd)}
.calculator-help{display:inline-flex;align-items:center;gap:8px;font-size:.8rem;line-height:1.6;font-weight:700;color:var(--bm);border-bottom:1px solid currentColor;padding-bottom:4px}
.calculator-help:hover{color:var(--bd)}
.calculator-v2 .calc-card{border:1px solid #BDD4E8;box-shadow:0 12px 36px rgba(0,61,112,.09);min-width:0}
.calculator-v2 .calc-head{padding:1.25rem 1.5rem;background:#fff;gap:.35rem;display:block;border-bottom:1px solid var(--br)}
.calculator-v2 .calc-head h3{font-size:1.02rem;color:var(--bd);margin:0}
.calculator-v2 .calc-head>span{display:block;margin-top:.25rem;font-size:.71rem;color:var(--g500)}
.calculator-v2 .calc-body{padding:1.5rem}
.calculator-v2 .calc-grid{gap:1.35rem 1.6rem}
.calculator-v2 .calc-lbl{font-size:.71rem;text-transform:none;letter-spacing:0;gap:4px;align-items:center;min-height:26px}
.calculator-v2 .calc-lbl>span{font-size:.83rem}
.calculator-v2 .calc-slider{margin:.5rem 0;height:6px;background:#D6E5F2;accent-color:var(--bm)}
.calculator-v2 .calc-slider::-webkit-slider-thumb{width:20px;height:20px;background:var(--bm)}
.calculator-v2 .calc-slider::-moz-range-thumb{width:17px;height:17px;border:2px solid #fff;border-radius:50%;background:var(--bm)}
.calculator-v2 .calc-result{background:var(--bd);border:0;gap:0;padding:1.15rem .8rem;margin-top:1.35rem;border-radius:10px}
.calculator-v2 .cr-item+.cr-item{border-left:1px solid rgba(255,255,255,.26)}
.calculator-v2 .cr-val{font-size:1.65rem;color:#fff;margin-bottom:.4rem}
.calculator-v2 .cr-val.yw{color:#F5C800}
.calculator-v2 .cr-lbl{font-size:.69rem;line-height:1.5;letter-spacing:0;color:#fff;padding:0 .4rem}
.calculator-v2 .calc-disclosures{margin-top:1rem;font-size:.69rem;line-height:1.75;gap:.35rem}
.calculator-v2 .levy-choice{display:flex;align-items:flex-start;gap:.5rem;cursor:pointer;line-height:1.65}
.calculator-v2 .levy-choice input{width:16px;height:16px;margin:2px 0 0;flex-shrink:0;accent-color:var(--bm)}
.calculator-v2 .calc-note{text-align:left;font-size:.67rem;line-height:1.8;margin-top:.8rem;color:var(--g500)}
.calculator-v2 .calc-cta-row{display:grid;grid-template-columns:1fr;gap:.6rem;margin-top:1.1rem}
.calculator-v2 .calc-cta-row .btn-p{font-size:.76rem;line-height:1.6;text-align:center;justify-content:center;max-width:none;width:100%;text-transform:none;letter-spacing:0;padding:.7rem 1rem}
.calculator-v2 .calc-cta-row .btn-o{border:0;padding:.2rem .5rem;min-height:35px;font-size:.76rem;font-weight:600;color:var(--bm);max-width:none;width:100%;justify-content:center}
.calculator-v2 .calc-cta-row .btn-o:hover{background:var(--bt);color:var(--bd)}

/* Contextual imagery: no transparency is applied to service photographs. */
.sp-card img,.sp-card:hover img,.ins img,.svc img,.pg-img img{opacity:1;filter:none}
.sp-grid,.ins-grid{align-items:stretch}
.sp-card,.ins{display:flex;flex-direction:column}
.sp-body,.ins-body{display:flex;flex-direction:column;flex:1}
.sp-card .sp-arr,.ins-body .ins-lnk{margin-top:auto;padding-top:1rem}
.sp-card h3{line-height:1.55}

/* Question and answer sections are present in the HTML (no JS dependency). */
.category-faq{padding-top:2.2rem;margin-top:2.8rem;border-top:2px solid #C9E0F4}
.pg-main .category-faq h2{font-family:'Open Sans',Arial,sans-serif;font-size:1.6rem;line-height:1.3;letter-spacing:-.025em;margin:0 0 .75rem}
.category-faq .tag{font-size:.64rem;margin-bottom:.65rem}
.pg-main .category-faq-intro,.category-faq-intro{font-size:.88rem;line-height:1.85;color:var(--g500);margin:0 0 1.4rem}
.category-faq-list{margin-top:1.4rem}
.category-faq .faq-item,.faq-group .faq-item{margin-bottom:.75rem;box-shadow:none}
.category-faq .fq,.faq-group .fq{font-size:.87rem;font-weight:700;line-height:1.7;padding:1rem 1.15rem;color:var(--bd);gap:1rem}
.category-faq .fq>span:first-child,.faq-group .fq>span:first-child{min-width:0}
.category-faq .ft,.faq-group .ft{width:27px;height:27px;font-size:1.1rem}
.category-faq .fa,.faq-group .fa{padding:0 1.15rem 1.15rem;color:var(--g600)}
.category-faq details[open] .fa,.faq-group details[open] .fa{padding-top:.95rem;max-height:none}
.pg-main .category-faq .fa p,.category-faq .fa p,.faq-group .fa p{font-size:.88rem;line-height:1.9;color:var(--g600);margin:0}
.faq-references{margin:1.1rem 0;background:#F5F9FD;border:1px solid #DBE8F2;border-radius:8px;overflow:hidden}
.faq-references>summary{cursor:pointer;color:var(--g600);padding:.8rem 1rem;font-size:.72rem;font-weight:600;line-height:1.7;list-style:revert}
.faq-references>summary::marker{color:var(--bl)}
.faq-references>div{padding:0 1rem 1rem}
.pg-main .faq-references p,.faq-references p{font-size:.71rem;line-height:1.85;margin:0 0 .65rem;color:var(--g500)}
.faq-source-links{display:flex;flex-direction:column;gap:.4rem}
.faq-source-links a{display:inline-block;width:fit-content;font-size:.73rem;line-height:1.65;color:var(--bm);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px;overflow-wrap:anywhere}
.faq-source-links a:hover{color:var(--bd)}
.faq-next{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:.65rem 1.2rem;margin-top:1.25rem;padding:1rem 1.2rem;border-radius:9px;background:#E9F4FE;color:var(--bd)}
.faq-next>span{font-size:.8rem;line-height:1.65}
.faq-next>a{font-size:.8rem;font-weight:700;line-height:1.65;color:var(--bm);border-bottom:1px solid transparent}
.faq-next>a:hover{border-bottom-color:currentColor}
.sidebar-faq-link{display:block;padding-top:1rem;margin-top:1rem;border-top:1px solid var(--br);text-align:center;font-size:.77rem;font-weight:700;color:var(--bm);line-height:1.65}
.overview-faq{max-width:850px;margin:3.5rem auto 0}
.overview-faq>h2{margin-bottom:.8rem}
.overview-faq>.desc{max-width:720px}

/* Searchable FAQ hub */
.faq-hub-intro{max-width:780px;margin-bottom:1.7rem}
.faq-hub-intro .desc{max-width:760px}
.faq-filters{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr) auto;gap:1rem;align-items:end;background:#F2F8FD;border:1px solid var(--br);border-radius:14px;padding:1.4rem}
.faq-filters label{display:block;font-size:.73rem;font-weight:700;line-height:1.6;color:var(--bd);margin-bottom:.5rem}
.faq-filters input,.faq-filters select{font-family:inherit;font-size:.82rem;line-height:1.5;min-height:47px;border:1px solid #A9C8E1;border-radius:6px;background:#fff;color:var(--tx);padding:.7rem .8rem;width:100%;max-width:100%}
.faq-filters input::placeholder{color:#617389;opacity:1}
.faq-filters input:focus,.faq-filters select:focus{outline:2px solid var(--bm);outline-offset:2px}
.faq-clear{padding:.75rem .8rem;min-height:47px;border:1px solid #A9C8E1;border-radius:6px;font-size:.73rem;line-height:1.5;font-weight:700;color:var(--bd);background:#fff}
.faq-clear:hover{border-color:var(--bm);background:var(--bp)}
.faq-result-count{font-size:.75rem;color:var(--g500);line-height:1.65;padding:.9rem .1rem;margin-bottom:1.2rem}
.faq-hub-grid{grid-template-columns:minmax(0,1fr) minmax(270px,310px);gap:2.8rem;align-items:start}
.faq-results{min-width:0}
.faq-group{padding-top:2.5rem;margin-top:2.5rem;border-top:1px solid var(--br)}
.faq-group:first-child{padding-top:0;margin-top:0;border:0}
.faq-group-head{display:flex;align-items:flex-end;justify-content:space-between;gap:1rem;margin-bottom:1.25rem}
.faq-group-head>div{min-width:0}
.faq-count{display:block;font-size:.62rem;letter-spacing:.12em;font-weight:700;color:var(--bl);margin-bottom:.5rem}
.faq-group h2{font-family:'Open Sans',Arial,sans-serif;font-size:1.32rem;font-weight:800;line-height:1.4;color:var(--bd);letter-spacing:-.02em;margin:0}
.faq-service-link{font-size:.72rem;line-height:1.7;font-weight:700;color:var(--bm);flex-shrink:0;border-bottom:1px solid transparent}
.faq-service-link:hover{border-bottom-color:currentColor}
.faq-hub-grid .faq-side{padding:2rem 1.5rem;top:90px}
.faq-hub-grid .faq-side h3{font-size:1.22rem}
.faq-hub-grid .faq-side p{font-size:.81rem}
.faq-hub-grid .faq-tel{font-size:1.08rem}
.faq-hub-grid .faq-side .btn-yw{font-size:.76rem;line-height:1.6;max-width:none;width:100%;padding:.8rem 1rem;text-transform:none;letter-spacing:0}
.faq-empty{background:var(--bt);border:1px solid var(--br);border-radius:12px;padding:2rem}
.faq-empty h2{font-size:1.3rem;line-height:1.5;color:var(--bd);margin-bottom:.8rem}
.faq-empty p{font-size:.87rem;line-height:1.85;color:var(--g600);margin-bottom:1.3rem}
.faq-empty a{font-size:.78rem;line-height:1.6;text-transform:none}

@media(min-width:1650px){
 .hero-v2{min-height:680px}
 .hero-v2 .hero-shade{background:linear-gradient(90deg,rgba(0,45,89,.99) 0%,rgba(0,58,113,.93) 32%,rgba(0,67,127,.65) 51%,rgba(0,66,127,.12) 73%,rgba(0,52,98,.035) 100%),linear-gradient(0deg,rgba(0,40,78,.55),transparent 24%)}
}
@media(max-width:1100px){
 .hero-v2 .hero-copy{max-width:590px}
 .hero-v2 .hero-shade{background:linear-gradient(90deg,rgba(0,45,89,.97),rgba(0,60,114,.91) 32%,rgba(0,64,119,.66) 54%,rgba(0,52,98,.08) 100%),linear-gradient(0deg,rgba(0,40,78,.6),transparent 24%)}
 .calculator-v2 .calculator-layout{grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:2rem}
 .faq-hub-grid{grid-template-columns:minmax(0,1fr) minmax(250px,280px);gap:1.7rem}
 .faq-group-head{align-items:start;flex-direction:column;gap:.6rem}
}
@media(max-width:860px){
 .hero-v2{min-height:0;display:block}
 .hero-v2 .hero-backdrop{height:400px;bottom:auto}
 .hero-v2 .hero-backdrop img{object-position:center 32%}
 .hero-v2 .hero-shade{background:linear-gradient(180deg,rgba(0,44,88,.03) 0px,rgba(0,49,95,.06) 135px,rgba(0,57,111,.7) 265px,#003D70 365px,#003D70 100%)}
 .hero-v2 .hero-in{padding:15rem 2rem 6.2rem}
 .hero-v2 .hero-copy{max-width:690px}
 .hero-v2 .hero-bdg{background:rgba(0,37,75,.65);margin-bottom:1rem}
 .hero-v2 h1{font-size:2.4rem;max-width:640px;text-wrap:initial}
 .hero-v2 .hero-desc{max-width:600px}
 .hero-v2 .hero-trust,.hero-v2 .hero-footnote{max-width:640px}
 .hero-v2 .hero-bottom{padding:1rem 2rem}
 .calculator-v2{padding:3.25rem 0}
 .calculator-v2 .calculator-layout{grid-template-columns:1fr;gap:1.7rem}
 .calculator-v2 .calculator-intro{max-width:640px}
 .calculator-v2 .calculator-intro h2{max-width:570px;text-wrap:initial;font-size:2rem}
 .calculator-v2 .calculator-tip{margin:1.1rem 0}
 .faq-filters{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
 .faq-clear{grid-column:1/-1;justify-self:start;min-height:38px;padding:.45rem .8rem}
 .faq-hub-grid{grid-template-columns:1fr;gap:2rem}
 .faq-hub-grid .faq-side{position:static}
 .faq-group-head{flex-direction:row;align-items:flex-end}
}
@media(max-width:600px){
 .hero-v2 .hero-backdrop{height:345px}
 .hero-v2 .hero-in{padding:12.5rem 1rem 7.4rem}
 .hero-v2 .hero-shade{background:linear-gradient(180deg,rgba(0,44,88,.02) 0px,rgba(0,49,95,.06) 120px,rgba(0,57,111,.65) 225px,#003D70 305px,#003D70 100%)}
 .hero-v2 .hero-bdg{font-size:.61rem;line-height:1.6;padding:.45rem .65rem;border-radius:10px;max-width:430px;align-items:center}
 .hero-v2 h1{font-size:clamp(1.75rem,6.7vw,2.35rem);line-height:1.26;letter-spacing:-.025em;margin-bottom:1rem}
 .hero-v2 .hero-desc{font-size:.88rem;line-height:1.85;margin-bottom:1.25rem}
 .hero-v2 .hero-btns{flex-direction:column;gap:.65rem;margin-bottom:1.25rem;align-items:stretch;max-width:430px}
 .hero-v2 .hero-btns a{width:100%;font-size:.78rem;min-height:47px;padding:.75rem 1rem}
 .hero-v2 .hero-trust{gap:.5rem .8rem}
 .hero-v2 .tr-item{font-size:.68rem}
 .hero-v2 .hero-footnote{font-size:.64rem;line-height:1.75;margin-top:.85rem}
 .hero-v2 .hero-bottom{padding:.8rem 1rem 1.1rem;flex-wrap:wrap;gap:.65rem}
 .hero-v2 .hero-bottom-label{font-size:.59rem;letter-spacing:.12em;flex:0 0 100%}
 .hero-v2 .hero-scene-controls{padding-left:.6rem}
 .hero-v2 .hero-scene-label{text-align:left;min-width:100px;font-size:.65rem}
 .hero-v2 .hdot,.hero-v2 .hdot.on{height:34px;width:32px;min-width:32px}
 .calculator-v2 .calculator-layout{padding:0 1rem}
 .calculator-v2 .calculator-intro h2{font-size:1.65rem;line-height:1.35}
 .calculator-v2 .calc-head{padding:1.1rem 1rem}
 .calculator-v2 .calc-head h3{font-size:.95rem;line-height:1.6}
 .calculator-v2 .calc-body{padding:1.1rem 1rem}
 .calculator-v2 .calc-grid{grid-template-columns:1fr 1fr;gap:1.1rem .9rem}
 .calculator-v2 .calc-lbl{font-size:.64rem;line-height:1.6;flex-direction:column;align-items:flex-start;gap:0}
 .calculator-v2 .calc-lbl>span{font-size:.85rem}
 .calculator-v2 .calc-row>div:not(.calc-lbl){font-size:.59rem!important}
 .calculator-v2 .cr-val{font-size:1.48rem}
 .calculator-v2 .cr-lbl{font-size:.62rem}
 .calculator-v2 .calc-disclosures{font-size:.66rem}
 .calculator-v2 .calc-note{font-size:.64rem;line-height:1.8}
 .calculator-v2 .calc-cta-row .btn-p{font-size:.72rem}
 .pg-main .category-faq h2{font-size:1.45rem}
 .category-faq{margin-top:2.1rem;padding-top:1.7rem}
 .category-faq .fq,.faq-group .fq{font-size:.82rem;padding:.9rem .85rem;gap:.65rem;line-height:1.75}
 .category-faq .fa,.faq-group .fa{padding-left:.85rem;padding-right:.85rem}
 .pg-main .category-faq .fa p,.category-faq .fa p,.faq-group .fa p{font-size:.84rem;line-height:1.9}
 .faq-group h2{font-size:1.19rem}
 .faq-group-head{flex-direction:column;align-items:flex-start;gap:.5rem}
 .faq-filters{grid-template-columns:1fr;padding:1rem;gap:.85rem}
 .faq-filters input,.faq-filters select{font-size:16px}
 .faq-clear{grid-column:auto}
 .faq-result-count{font-size:.7rem;margin-bottom:.8rem}
 .faq-empty{padding:1.3rem}
 .faq-next{padding:.85rem 1rem}
 #loan-calculator,.category-faq,.faq-group{scroll-margin-top:80px}
}
@media(prefers-reduced-motion:reduce){
 .hero-v2 *{animation:none!important;transition:none!important}
}

.faq-group.first-visible{padding-top:0;margin-top:0;border:0}

/* Headings receive programmatic focus after routing, not an interactive focus box. */
.page h1[tabindex="-1"]:focus{outline:none}

/* Full-bleed original house photo on wide displays: no empty band on
   the left from contain/letterboxing. Dark gradient keeps text legible. */
@media (min-width:861px){
  .hero-v2[data-rf-slide="0"] .hero-backdrop{
    background:#003260;
  }
  .hero-v2[data-rf-slide="0"] .hero-backdrop img{
    position:absolute;
    inset:0;
    width:100%;
    height:100%;
    object-fit:cover;
    object-position:70% 35%;
  }
  .hero-v2[data-rf-slide="0"] .hero-shade{
    background:linear-gradient(90deg,
      rgba(0,43,85,.95) 0%,
      rgba(0,53,100,.82) 28%,
      rgba(0,56,105,.48) 49%,
      rgba(0,58,105,.08) 75%,
      rgba(0,51,92,.02) 100%),
      linear-gradient(0deg,rgba(0,36,71,.22),transparent 28%);
  }
}

/* On narrow screens keep the house visible in the upper photo window. */
@media (max-width:860px){
  .hero-v2[data-rf-slide="0"] .hero-backdrop img{
    object-fit:cover;
    object-position:80% top;
  }
}


/* 2026-11-10: Mobile-first homepage hero refinement.
   Keep the original house photo completely separate from the copy, so the
   headline/CTAs are always readable and never overlap the photography. */
.hero-v2 .hero-title-short,.hero-v2 .hero-desc-short{display:none}
@media (max-width:767px){
  .topbar{justify-content:center;gap:0;min-height:34px;padding:.38rem .75rem}
  .topbar .tb-left{display:none}
  .topbar .tb-phone{font-size:.72rem;line-height:1.35;letter-spacing:.01em}

  .hero-v2{display:flex;flex-direction:column;align-items:stretch;min-height:0;background:#062f57;overflow:hidden}
  .hero-v2 .hero-backdrop{
    position:relative;inset:auto;bottom:auto;width:100%;
    height:clamp(185px,50vw,290px);flex:none;overflow:hidden;background:#123e61
  }
  .hero-v2 .hero-backdrop img{
    position:absolute;inset:0;display:block;width:100%;height:100%;
    object-fit:cover;object-position:center 60%
  }
  .hero-v2[data-rf-slide="0"] .hero-backdrop img{
    position:absolute;inset:0;width:100%;height:100%;
    object-fit:cover;object-position:center 70%!important
  }
  .hero-v2 .hero-shade{
    position:absolute;top:0;right:0;left:0;bottom:auto;
    height:clamp(185px,50vw,290px);pointer-events:none;
    background:linear-gradient(180deg,rgba(4,31,58,.03) 0%,rgba(4,31,58,.03) 52%,rgba(3,37,71,.46) 100%)
  }
  .hero-v2 .hero-in{
    position:relative;z-index:2;width:100%;max-width:none;margin:0;
    padding:1.45rem 1.25rem 1.2rem;
    background:linear-gradient(155deg,#083c6b 0%,#052e55 100%)
  }
  .hero-v2 .hero-copy{width:100%;max-width:620px;margin:0 auto}
  .hero-v2 .hero-bdg{
    display:inline-flex;align-items:center;width:auto;max-width:100%;
    margin:0 0 1.05rem;padding:.46rem .7rem;border-radius:8px;
    font-size:.66rem;line-height:1.55;font-weight:600;
    background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.24)
  }
  .hero-v2 .hero-title-long,.hero-v2 .hero-desc-full{display:none}
  .hero-v2 .hero-title-short,.hero-v2 .hero-desc-short{display:inline}
  .hero-v2 h1{
    font-size:clamp(1.78rem,6.9vw,2.22rem);line-height:1.21;
    letter-spacing:-.025em;margin:0 0 .85rem;max-width:23ch;
    text-wrap:initial
  }
  .hero-v2 .hero-desc{
    font-size:.88rem;font-weight:400;line-height:1.72;
    color:rgba(255,255,255,.9);max-width:55ch;margin:0 0 1.35rem
  }
  .hero-v2 .hero-btns{
    display:grid;grid-template-columns:minmax(0,1fr);align-items:stretch;
    gap:.65rem;max-width:430px;margin:0 0 1.35rem
  }
  .hero-v2 .hero-btns a{
    display:flex;justify-content:center;text-align:center;min-width:0;
    width:100%;max-width:none;min-height:49px;padding:.78rem 1rem;
    font-size:.82rem;line-height:1.45;font-weight:700;border-radius:8px
  }
  .hero-v2 .hero-trust{
    display:grid;grid-template-columns:repeat(2,minmax(0,1fr));
    gap:.6rem 1rem;max-width:440px
  }
  .hero-v2 .tr-item{font-size:.67rem;line-height:1.5}
  .hero-v2 .hero-footnote{
    margin:.85rem 0 0;font-size:.62rem;line-height:1.65;
    color:rgba(255,255,255,.8)
  }
  .hero-v2 .hero-bottom{
    position:relative;left:auto;right:auto;bottom:auto;transform:none;
    display:flex;align-items:center;justify-content:center;
    width:100%;max-width:none;padding:.7rem 1.25rem 1rem;
    border-top:1px solid rgba(255,255,255,.1);background:#052e55
  }
  .hero-v2 .hero-bottom-label{display:none}
  .hero-v2 .hero-scene-controls{
    display:flex;align-items:center;justify-content:space-between;
    width:100%;max-width:430px;margin:0;
    border-color:rgba(255,255,255,.19);background:rgba(255,255,255,.06)
  }
  .hero-v2 .hero-scene-label{min-width:0;text-align:left;font-size:.68rem}
}
@media (max-width:380px){
  .hero-v2 .hero-in{padding:1.3rem 1rem 1.1rem}
  .hero-v2 h1{font-size:1.76rem;max-width:20ch}
  .hero-v2 .hero-bdg{font-size:.62rem}
  .hero-v2 .hero-desc{font-size:.86rem}
  .hero-v2 .hero-bottom{padding-right:1rem;padding-left:1rem}
}

/* Fill the narrow photograph with the property instead of leaving a
   broad dark strip to its left. Text stays in the separate content panel. */
@media (max-width:767px){
  .hero-v2[data-rf-slide="0"] .hero-backdrop{
    height:clamp(220px,58vw,315px);
  }
  .hero-v2[data-rf-slide="0"] .hero-backdrop img{
    object-fit:cover;
    object-position:76% 55%!important;
    transform:scale(1.12);
    transform-origin:76% 55%;
  }
  .hero-v2[data-rf-slide="0"] .hero-shade{
    height:clamp(220px,58vw,315px);
  }
}