:root{--accent:#1f9d6b;--navy:#0b1530;--blue:#2f6fe0;--light-blue:#edf3fe;--green:#2f7d32;--gold:#35c48c;--text:#1f2933;--muted:#5f6c7b;--white:#fff;--border:#d9e2ec;--bg:#f5f7fa;--shadow:0 8px 22px rgba(11,31,54,.08);--radius:18px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:var(--bg);line-height:1.6}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
.container{width:min(94%,var(--max));margin:0 auto}
.section{padding:64px 0}.section.alt{background:var(--white);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.eyebrow{display:inline-block;background:#eaf4ff;color:var(--blue);font-weight:700;font-size:.92rem;padding:8px 14px;border-radius:999px;margin-bottom:16px}
h1,h2,h3{margin-top:0;line-height:1.2}h1{font-size:clamp(2rem,4vw,3.2rem);margin-bottom:16px}
h2{font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:14px;color:var(--navy)}h3{font-size:1.2rem;margin-bottom:10px;color:var(--navy)}
p{margin:0 0 16px;color:var(--text)}.muted{color:var(--muted)}
.topbar{background:var(--navy);color:var(--white);padding:10px 0;font-size:.95rem}.topbar .container{display:flex;justify-content:center;text-align:center}
.site-nav{background:var(--white);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:50}
.site-nav .container{display:flex;align-items:center;gap:6px;flex-wrap:wrap;min-height:56px;padding:6px 0}
.site-nav .brand{font-weight:700;color:var(--navy);margin-right:auto;font-size:1.05rem}
.site-nav a.nl{color:var(--text);font-weight:600;font-size:.93rem;padding:7px 10px;border-radius:10px}
.site-nav a.nl:hover,.site-nav a.nl[aria-current=page]{background:var(--light-blue);color:var(--blue);text-decoration:none}
.site-nav a.nav-cta{background:var(--gold);color:#1d1d1d;font-weight:700;padding:8px 14px;border-radius:999px;font-size:.92rem}
@media(max-width:900px){.site-nav .links{display:flex;overflow-x:auto;gap:4px;width:100%;padding-bottom:4px}.site-nav a.nl{white-space:nowrap}.site-nav a.nav-cta{display:none}}
.hero{background:linear-gradient(135deg,rgba(11,21,48,.97),rgba(47,111,224,.92));color:var(--white);padding:72px 0 64px}
.hero h1{color:var(--white)}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:34px;align-items:center}
.hero p,.hero li,.hero .muted{color:rgba(255,255,255,.96)}
.hero-card{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.hero-card h2,.hero-card h3{color:var(--white)}
.crumbs{font-size:.88rem;margin-bottom:12px;opacity:.9}.crumbs a{color:#cfe6ff}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;margin:24px 0 16px}
.btn{display:inline-block;padding:15px 22px;border-radius:999px;font-weight:700;text-align:center;border:2px solid transparent;transition:.2s ease;cursor:pointer;font-size:1rem;font-family:inherit}
.btn-primary{background:var(--gold);color:#1d1d1d}.btn-primary:hover{text-decoration:none;filter:brightness(1.03)}
.btn-secondary{background:transparent;color:var(--white);border-color:rgba(255,255,255,.7)}.btn-secondary:hover{text-decoration:none;background:rgba(255,255,255,.1)}
.btn-outline{background:transparent;color:var(--blue);border-color:var(--blue)}.btn-outline:hover{text-decoration:none;background:var(--light-blue)}
.trust-line{font-size:.98rem;font-weight:600;opacity:.96}
.checklist,.bullet-list{padding-left:20px;margin:0 0 16px}.checklist li,.bullet-list li{margin-bottom:10px}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:26px}.cards.c3{grid-template-columns:repeat(3,1fr)}.cards.c2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.card p:last-child{margin-bottom:0}
a.card{display:block;color:var(--text)}a.card:hover{text-decoration:none;border-color:var(--blue)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.loan-card{background:var(--white);border:1px solid var(--border);border-top:5px solid var(--blue);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.prose{max-width:820px}
.callout{background:var(--light-blue);border-left:5px solid var(--blue);border-radius:12px;padding:18px 20px;margin:18px 0}
.callout.warn{background:#fff8e8;border-left-color:var(--gold)}.callout p:last-child{margin:0}
.table-wrap{overflow-x:auto;background:var(--white);border:1px solid var(--border);border-radius:14px;margin:12px 0 20px}
table{width:100%;border-collapse:collapse;font-size:.96rem}th,td{padding:12px 14px;border-bottom:1px solid var(--border);text-align:left;vertical-align:top}th{background:var(--light-blue);color:var(--navy)}
.cta-box{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow);text-align:center;max-width:760px;margin:0 auto}
.faq{display:grid;gap:16px;margin-top:24px}.faq-item{background:var(--white);border:1px solid var(--border);border-radius:16px;padding:22px;box-shadow:var(--shadow)}.faq-item h3{margin-bottom:8px}.faq-item p:last-child{margin:0}
.service-areas{background:var(--navy);color:var(--white);padding:22px 0;font-size:.98rem}.service-areas strong,.service-areas span{color:var(--white)}
.footer{background:#081627;color:rgba(255,255,255,.88);padding:34px 0;font-size:.95rem}.footer a{color:#cfe6ff}.footer p{color:rgba(255,255,255,.88)}.footer strong{color:#fff}
#get-started form{display:grid;gap:14px;margin-top:18px;text-align:left}
#get-started input,#get-started select,#get-started textarea{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:8px;font-size:1rem;font-family:inherit;background:#fff;color:var(--text)}
#get-started button{border:none;width:100%}
@media(max-width:1080px){.cards{grid-template-columns:repeat(2,1fr)}.cards.c3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:860px){.hero-grid,.split{grid-template-columns:1fr}}
@media(max-width:640px){.section{padding:48px 0}.hero{padding:52px 0 48px}.cards,.cards.c3,.cards.c2{grid-template-columns:1fr}.btn-row{flex-direction:column}.btn{width:100%}.cta-box,.card,.loan-card,.faq-item,.hero-card{padding:22px}}
h1,h2{letter-spacing:-.015em}
.toc{background:var(--white);border:1px solid var(--border);border-radius:14px;padding:16px 20px;margin:0 0 8px}.toc strong{display:block;margin-bottom:6px;color:var(--navy)}.toc ol{margin:0;padding-left:20px;columns:2;column-gap:28px}.toc li{margin:3px 0;break-inside:avoid}
@media(max-width:640px){.toc ol{columns:1}}
.mid-cta{background:var(--navy);color:#fff;border-radius:var(--radius);padding:26px 28px;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap;margin-top:22px}.mid-cta p{color:#fff;margin:0;font-weight:600;max-width:560px}.mid-cta .btn{padding:12px 20px}
.prose-wide{max-width:900px}.prose-wide ul,.prose-wide ol{padding-left:22px}.prose-wide li{margin-bottom:8px}
.steps{counter-reset:s;list-style:none;padding:0!important;display:grid;gap:14px;margin:18px 0}.steps li{counter-increment:s;background:var(--white);border:1px solid var(--border);border-radius:14px;padding:16px 18px 16px 62px;position:relative;margin:0}.steps li::before{content:counter(s);position:absolute;left:18px;top:14px;width:30px;height:30px;border-radius:50%;background:var(--gold);color:#1d1d1d;font-weight:700;display:flex;align-items:center;justify-content:center}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}@media(max-width:860px){.contact-grid{grid-template-columns:1fr}}
.byline{font-size:.9rem;opacity:.9;margin-top:6px}
.status{display:inline-block;font-size:.8rem;font-weight:700;padding:3px 10px;border-radius:999px;white-space:nowrap}.status.ok{background:#e3f4e6;color:#1d6b2a}.status.watch{background:#fff4d6;color:#8a5a00}.status.no{background:#fde8e8;color:#9b1c1c}
.updated{font-size:.88rem;color:var(--muted)}

.site-nav .brand{font-size:1.12rem;letter-spacing:-.01em}.site-nav .brand b{color:var(--accent);font-weight:800}
.express-answer{background:var(--white);border:1px solid var(--border);border-left:6px solid var(--accent);border-radius:14px;padding:18px 22px;margin:0 0 22px;box-shadow:var(--shadow)}
.express-answer p{margin:0;font-size:1.06rem}
.xa-label{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--accent);margin-bottom:6px}
.tool-section{background:var(--light-blue)}
.tool{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.tool-list{list-style:none;padding:0!important;margin:18px 0;display:grid;gap:12px;counter-reset:q}
.tq{border:1px solid var(--border);border-radius:12px;padding:14px 16px;margin:0!important;counter-increment:q}
.tq-q{font-weight:700;margin:0 0 10px}.tq-q::before{content:counter(q) ". ";color:var(--accent)}
.tq-btns{display:flex;gap:8px;flex-wrap:wrap}.tq-btns button{font:inherit;font-weight:700;padding:8px 16px;border-radius:999px;border:1.5px solid var(--border);background:#fff;color:var(--text);cursor:pointer;min-height:40px}
.tq-btns button[aria-pressed=true]{background:var(--navy);border-color:var(--navy);color:#fff}
.tq-note{margin:10px 0 0;font-size:.95rem;color:var(--muted)}
.tool-result{background:var(--light-blue);border-radius:12px;padding:18px 20px;margin:8px 0 12px}.tool-result h3{margin-bottom:6px}
.direct-line{display:flex;gap:16px;align-items:center;flex-wrap:wrap;background:var(--white);border:1px solid var(--border);border-radius:14px;padding:16px 20px;margin-top:18px}
@media(max-width:640px){.tool{padding:20px}}
.btn-primary{color:#06281b}.site-nav .brand{display:flex;align-items:center;gap:10px}.site-nav .brand img{width:40px;height:40px;border-radius:50%}
.reviews-box{background:var(--white);border:1px dashed var(--blue);border-radius:var(--radius);padding:28px;text-align:center}
.reviews-box .stars{font-size:1.6rem;letter-spacing:4px;color:#00b67a}