:root{--navy:#112e40;--gold:#ffb900;--muted:#526572;--pale:#f2f6f8}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:20px}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--navy);line-height:1.65}a{color:inherit;text-decoration:none}a:hover{text-decoration:underline}a:focus-visible{outline:3px solid #cb8900;outline-offset:5px}header{padding:25px max(5vw,20px) 14px;border-bottom:1px solid #e1e7eb;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px}.brand{display:flex;align-items:center;gap:24px}.personal{width:210px;height:80px;object-fit:contain}.edge{border-left:1px solid #d7dee3;padding-left:24px;display:flex;flex-direction:column;align-items:center}.edge img{width:200px;height:65px;object-fit:contain}.edge span{font-size:12px}.identity{font-size:12px;width:100%;display:flex;justify-content:space-between;color:var(--muted)}nav{display:flex;align-items:center;gap:24px;font-size:14px;font-weight:bold}.button{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:12px 25px;background:var(--gold);color:var(--navy);border:1px solid var(--gold);font-size:14px;font-weight:bold;border-radius:3px}.button:hover{background:#f5ad00;text-decoration:none}.small{padding:10px 17px;min-height:44px}.outline{background:transparent;border-color:var(--navy)}.outline:hover{background:#e6edf1}.hero{max-width:1440px;margin:auto;display:grid;grid-template-columns:1.08fr 1fr;padding:55px max(5vw,20px) 60px;gap:65px;align-items:center}.eyebrow{font-size:12px;letter-spacing:2px;font-weight:bold;margin:0 0 20px;color:#466273}h1,h2,h3{line-height:1.12;letter-spacing:-1.4px;margin:0}h1{font-size:clamp(42px,4.6vw,68px);max-width:660px}h2{font-size:clamp(32px,3.1vw,46px)}h3{font-size:22px;letter-spacing:-.5px}p{font-size:16px}.intro{font-size:18px;max-width:560px;color:var(--muted);margin:26px 0 30px}.actions{display:flex;gap:12px;flex-wrap:wrap}.hero-note{font-size:14px;color:var(--muted);margin-top:26px}.hero-note a{color:var(--navy);font-weight:bold}.portrait{position:relative;height:570px;background:var(--navy);border-radius:6px;overflow:hidden}.portrait>img{height:100%;width:100%;object-fit:cover;object-position:center 25%}.portrait-label{position:absolute;bottom:0;padding:25px 30px;width:100%;background:linear-gradient(transparent,rgba(9,25,36,.95));color:white;padding-top:70px}.portrait-label strong{display:block;font-size:25px}.portrait-label span{font-size:13px}.states{background:var(--navy);color:white;display:flex;align-items:center;justify-content:center;gap:50px;padding:20px}.states span{color:var(--gold);font-size:12px;letter-spacing:1.4px;font-weight:bold}.states p{margin:0;font-size:15px}.section{padding:85px max(5vw,20px)}.section-heading{max-width:680px;margin-bottom:40px}.section-heading>p:not(.eyebrow){color:var(--muted);font-size:17px}.help-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:35px}.number{display:block;color:#956900;font-size:14px;letter-spacing:1px;padding-bottom:18px;border-top:2px solid var(--gold);padding-top:20px}.help-grid p,.loan-grid p,.reasons p{color:var(--muted)}.options{background:var(--pale)}.loan-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.loan-grid article{background:white;padding:30px 24px;border:1px solid #dfe7ec;border-top:4px solid var(--gold)}.qualification{font-size:13px;color:var(--muted);margin-top:28px}.disclosure{font-size:13px;color:var(--muted);max-width:1050px;margin-bottom:26px}.why{display:grid;grid-template-columns:.9fr 1.25fr;gap:70px}.reasons{display:grid;grid-template-columns:1fr 1fr;gap:30px}.reasons article{border-bottom:1px solid #dbe4e9}.about{background:var(--pale);display:grid;grid-template-columns:.8fr 1fr;gap:90px;align-items:center}.about>img{width:100%;max-height:570px;object-fit:cover;object-position:center 30%;border-radius:5px}.about p{color:var(--muted)}.signature{font-size:24px;font-weight:bold;margin-top:26px}.signature span{display:block;font-size:13px;font-weight:normal;letter-spacing:0;margin-top:5px}.credibility{display:grid;grid-template-columns:1.2fr 1fr;gap:70px;align-items:center}.credibility p{color:var(--muted)}.cred-links{border-left:3px solid var(--gold);padding-left:35px}.cred-links a{display:block;font-size:18px;font-weight:bold;text-decoration:underline;margin-bottom:12px}.cred-links p{font-size:13px}.contact{background:var(--navy);color:white;text-align:center}.contact .eyebrow{color:var(--gold)}.contact h2{font-size:clamp(38px,4vw,58px)}.contact>p{color:#d6e0e6}.contact-details{margin:30px 0;display:flex;flex-direction:column;gap:5px;overflow-wrap:anywhere}.contact-details a:first-child{font-size:28px;font-weight:bold}.contact .actions{justify-content:center}.light-outline{background:transparent;color:white;border-color:#d4e0e6}.light-outline:hover{background:#23485d}.contact-states{font-size:13px!important;margin-top:30px}footer{padding:40px max(5vw,20px);color:var(--muted)}footer p{font-size:13px;line-height:1.7;max-width:1200px}footer a{text-decoration:underline}.footer-brand{display:flex;align-items:center;gap:28px;margin-bottom:25px;font-size:14px}.footer-brand>img{width:220px}.housing{margin-left:auto;display:flex;align-items:center;gap:10px;font-size:12px}.housing img{width:55px;height:auto}.copyright{border-top:1px solid #e0e5e8;padding-top:20px;margin-top:25px}@media(min-width:1500px){.section{padding-left:calc((100vw - 1250px)/2);padding-right:calc((100vw - 1250px)/2)}}@media(max-width:1100px){nav{width:100%;justify-content:center}.hero{gap:35px}.portrait{height:520px}.help-grid,.loan-grid{grid-template-columns:1fr 1fr}.about{gap:45px}.why{gap:35px}}@media(max-width:700px){header{padding:16px 20px}.brand{width:100%;justify-content:center;gap:12px}.personal{width:155px;height:66px}.edge{padding-left:12px}.edge img{width:155px;height:56px}.edge span{font-size:10px;max-width:155px;text-align:center}.identity{font-size:11px;display:block;text-align:center}.identity span{display:block}nav{gap:17px;flex-wrap:wrap;font-size:12px}.small{font-size:12px;min-height:38px;padding:8px 12px}.hero{grid-template-columns:1fr;padding-top:40px;gap:30px}.hero h1{font-size:45px}.intro{font-size:17px}.portrait{height:460px}.states{display:block;text-align:center;padding:22px 15px}.states p{font-size:13px;margin-top:6px}.section{padding:55px 22px}.help-grid,.loan-grid{gap:20px}.help-grid h3,.loan-grid h3{font-size:20px}.help-grid p,.loan-grid p{font-size:15px}.loan-grid article{padding:24px 18px}.why,.about,.credibility{grid-template-columns:1fr;gap:25px}.reasons{grid-template-columns:1fr}.about>img{max-height:450px;object-position:center 20%}.footer-brand{flex-wrap:wrap;gap:20px}.footer-brand>img{width:180px}.housing{margin-left:0;width:100%}.button{padding:12px 18px;font-size:13px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
/* Refined navy and gold direction */
@font-face{font-family:Editorial;src:url('assets/editorial.otf') format('opentype');font-display:swap}@font-face{font-family:TimSans;src:url('assets/sans.otf') format('opentype');font-display:swap}@font-face{font-family:TimSans;src:url('assets/sans-bold.otf') format('opentype');font-weight:700;font-display:swap}:root{--navy:#102b3d;--gold:#e6b04a;--muted:#526571;--pale:#eaf0f4}body{font-family:TimSans,Arial,sans-serif;background:#f5f7f9}header{background:#edf2f6;padding:23px max(5vw,20px) 13px;gap:12px;border-bottom:0}.brand{gap:22px}.personal{width:240px;height:73px}.edge{padding-left:22px;border-left-color:#becbd5}.edge img{width:155px;height:48px;mix-blend-mode:multiply}.edge span{font-size:11px;letter-spacing:.15px}.identity{justify-content:flex-start;gap:30px;border-top:1px solid #d5dfe7;padding-top:10px;color:#506674;font-size:12px}nav{font-weight:400;gap:28px;font-size:15px}nav .button{font-weight:700}.button{border-radius:0;letter-spacing:.15px;background:var(--gold);border-color:var(--gold);font-size:15px}.button:hover{background:#f0c366}.hero{max-width:none;background:#102b3d;grid-template-columns:1.25fr .8fr;color:#f8fafb;padding:85px max(6vw,24px) 85px;gap:90px}.hero h1{font-family:Editorial,Georgia,serif;font-weight:400;font-size:clamp(48px,5.1vw,78px);line-height:1.05;letter-spacing:-1.8px;max-width:780px}.hero .eyebrow{color:#e6b04a;font-size:12px;letter-spacing:2px}.intro{color:#d2dee6;font-size:19px;max-width:620px}.hero .outline{color:white;border-color:#91a6b5}.hero .outline:hover{background:#24485e}.hero-note,.hero-note a{color:#d2dee6}.hero-panel{background:#183a50;border:1px solid #355267;padding:36px 32px;box-shadow:0 25px 50px #07172455}.hero-panel .eyebrow{font-size:10px;letter-spacing:1.5px;line-height:1.7}.hero-panel h2{font-family:Editorial,Georgia,serif;font-weight:400;font-size:39px;letter-spacing:-.5px;margin-bottom:27px}.panel-row{display:flex;gap:20px;padding:19px 0;border-top:1px solid #446173}.panel-row>span{color:#e6b04a;font-size:13px;padding-top:3px}.panel-row strong{font-size:20px;font-weight:400}.panel-row p{font-size:14px;color:#bed0dd;margin:3px 0 0}.panel-sign{border-top:1px solid #446173;padding-top:22px;margin-top:4px;font-family:Editorial,Georgia,serif;font-size:26px}.panel-sign span{display:block;font-family:TimSans,Arial,sans-serif;font-size:12px;color:#c4d5e0;margin-top:3px}.states{background:#dce6ed;color:#17384d;gap:40px;padding:22px 5vw}.states span{color:#264e68;font-size:11px}.states p{font-size:15px;max-width:670px}.section{padding-top:90px;padding-bottom:90px}h2{font-family:Editorial,Georgia,serif;font-weight:400;font-size:clamp(35px,3.4vw,51px);letter-spacing:-.8px;line-height:1.13}h3{font-weight:400;font-size:25px;letter-spacing:-.4px}.eyebrow{letter-spacing:1.8px}.help-grid{gap:30px}.number{color:#826120;border-top-color:#cba352}.options{background:#e2ebf1}.loan-grid article{background:#f6f8fa;border-color:#d3dfe7;border-top:3px solid #b18a43;padding:32px 25px}.loan-grid h3{font-family:Editorial,Georgia,serif;font-size:32px}.why{background:#f5f7f9}.about{background:#dce7ee;grid-template-columns:.8fr 1.15fr}.about-intro{align-self:start;padding-top:25px}.about-intro h2{font-size:clamp(39px,4vw,60px);line-height:1.16}.about-intro em{font-weight:400;color:#506f84}.about-intro>p:last-child{margin-top:25px;font-size:15px}.signature{font-family:Editorial,Georgia,serif;font-weight:400;font-size:30px}.signature span{font-family:TimSans,Arial,sans-serif}.credibility{background:#f1f5f8}.contact{background:#102b3d}.contact h2{font-size:clamp(44px,4.5vw,66px)}.contact .eyebrow{color:#e6b04a}.contact .light-outline{background:transparent;border-color:#9bb0be;color:white}.contact .light-outline:hover{background:#24485e}.service-area{max-width:790px;margin:35px auto 0;border-top:1px solid #3d5b70;padding-top:23px;color:#cad9e3}.service-area p{font-size:14px}.service-area p:first-child{font-size:16px}footer{background:#e7edf2}.footer-brand>img{mix-blend-mode:multiply}.footer-brand strong{font-weight:700}.copyright{border-color:#cbd8e1}@media(min-width:1500px){.hero{padding-left:calc((100vw - 1250px)/2);padding-right:calc((100vw - 1250px)/2)}}@media(max-width:1100px){.hero{gap:45px;padding-top:65px;padding-bottom:65px}.hero-panel{padding:30px 24px}.about{gap:45px}}@media(max-width:700px){header{padding:18px 20px 12px}.personal{width:185px;height:61px}.brand{gap:14px}.edge{padding-left:14px}.edge img{width:130px;height:40px}.edge span{font-size:10px;width:130px}.identity{display:block;padding-top:10px;font-size:11px}nav{font-size:14px;gap:16px}nav .small{font-size:12px}.hero{grid-template-columns:1fr;gap:36px;padding:49px 24px 50px}.hero h1{font-size:54px;line-height:1.06;letter-spacing:-1.2px}.hero .eyebrow{font-size:10px;letter-spacing:1.5px}.intro{font-size:18px}.hero-panel{padding:28px}.hero-panel h2{font-size:37px}.states{padding:22px}.states p{font-size:14px}.section{padding:60px 24px}.help-grid,.loan-grid{grid-template-columns:1fr;gap:18px}.help-grid article{padding-bottom:8px}.help-grid h3{font-size:25px}.help-grid p,.loan-grid p{font-size:16px}.number{padding-bottom:12px;padding-top:13px}.loan-grid article{padding:25px}.about{grid-template-columns:1fr;gap:22px}.about-intro{padding-top:0}.about-intro h2{font-size:44px}.about-intro>p:last-child{margin-top:16px}.button{font-size:14px}.cred-links{padding-left:22px}.footer-brand>img{width:180px}.contact-details a:last-child{font-size:15px}}@media(max-width:370px){.personal{width:155px}.edge img,.edge span{width:110px}.hero h1{font-size:47px}}
.reviews{background:#edf2f6}.reviews-heading{display:flex;align-items:end;justify-content:space-between;gap:35px;margin-bottom:40px}.reviews-heading>p{max-width:350px;color:var(--muted);margin:0;font-size:17px}.review-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.review-card{margin:0;padding:30px 24px;background:#fafcfd;border:1px solid #d6e1e9;display:flex;flex-direction:column}.review-stars{font-size:19px;letter-spacing:2px;color:#956714;margin-bottom:18px}.review-card blockquote{margin:0 0 26px;font-size:17px;line-height:1.7;flex:1}.review-card figcaption{border-top:1px solid #dce5eb;padding-top:16px}.review-card figcaption strong{display:block;font-size:15px}.review-card figcaption span{display:block;color:#617785;font-size:12px;margin-top:4px}.review-links{display:flex;flex-wrap:wrap;gap:25px;margin-top:28px;font-size:15px}.review-links a{text-decoration:underline;text-underline-offset:5px}.review-note{color:#617785;font-size:13px;margin-top:22px}@media(max-width:1100px){.review-grid{grid-template-columns:1fr 1fr}}@media(max-width:700px){.reviews-heading{display:block}.reviews-heading>p{margin-top:20px}.review-grid{grid-template-columns:1fr}.review-card{padding:27px}.review-links{gap:18px;flex-direction:column}}
.current-portrait{position:relative;overflow:hidden;border:1px solid #466173;background:#183a50;box-shadow:0 25px 50px #07172455}.portrait-window{width:100%;aspect-ratio:.72;position:relative;overflow:hidden}.portrait-window img{position:absolute;top:0;left:0;width:302.96%;max-width:none;height:auto;display:block}.current-portrait-caption{position:absolute;bottom:0;left:0;width:100%;padding:75px 27px 24px;background:linear-gradient(transparent,rgba(8,27,40,.96));color:white}.current-portrait-caption strong{font-family:Editorial,Georgia,serif;font-weight:400;font-size:32px;display:block}.current-portrait-caption span{font-size:12px;display:block;margin-top:3px}@media(max-width:700px){.current-portrait{max-width:420px;width:100%;margin:auto}.portrait-window{aspect-ratio:.78}.current-portrait-caption{padding:65px 23px 22px}}

/* Navy masthead, quarter-zip selection and inquiry design */
header{background:var(--navy);color:#f8fafb;padding-top:29px;padding-bottom:17px;border-bottom:1px solid #365163;gap:20px}.brand{gap:30px}.personal{width:290px;height:80px}.edge{padding-left:30px;border-left-color:#526c7b}.edge img{width:200px;height:68px;mix-blend-mode:normal;background:white;padding:9px 10px}.edge span{color:#dae4ea;font-size:12px;margin-top:7px}.identity{border-top-color:#365163;color:#b9cdd9;font-size:12px;gap:30px;padding-top:12px}nav{font-family:Editorial,Georgia,serif;font-size:21px;gap:25px;letter-spacing:.1px}nav .button{font-family:TimSans,Arial,sans-serif;font-size:14px}.portrait-window img{left:auto;right:0}.states{align-items:flex-start;gap:35px;padding-top:29px;padding-bottom:29px}.states>span{font-size:12px;white-space:nowrap;padding-top:6px}.states p{font-size:22px;line-height:1.4;max-width:850px}.states .states-secondary{font-size:15px;color:#526571;margin-top:8px}.states a{display:inline-block;font-size:14px;margin-top:9px;text-decoration:underline;text-underline-offset:4px}.inquiry{display:grid;grid-template-columns:.8fr 1.2fr;gap:75px;background:#e2ebf1}.inquiry-intro p:not(.eyebrow){color:#526571;max-width:400px}.inquiry-intro .inquiry-safety{font-size:13px;margin-top:30px}.inquiry-form{background:#f7fafc;padding:35px;border:1px solid #cbd9e3;box-shadow:0 15px 35px #102b3d0a}.inquiry-form label{display:block;font-size:15px;font-weight:700}.inquiry-form label>span{font-weight:400}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}.inquiry-form input:not([type=checkbox]),.inquiry-form select,.inquiry-form textarea{display:block;width:100%;padding:12px 14px;margin:7px 0 20px;border:1px solid #a9bfce;background:white;border-radius:0;font:16px TimSans,Arial,sans-serif;color:var(--navy);min-height:48px}.inquiry-form textarea{resize:vertical}.inquiry-form input:focus-visible,.inquiry-form select:focus-visible,.inquiry-form textarea:focus-visible{outline:2px solid #8a641f;outline-offset:2px}.inquiry-form .consent{display:flex;align-items:flex-start;gap:12px;font-size:12px;line-height:1.6;margin:5px 0 23px}.consent input{flex-shrink:0;width:18px;height:18px;margin:3px 0 0;accent-color:#102b3d}.inquiry-form button{font-family:TimSans,Arial,sans-serif;min-width:170px}.inquiry-form button:disabled{opacity:.65;cursor:not-allowed}.form-preview-note{font-size:12px;color:#526571;margin-bottom:0}@media(max-width:1200px){nav{width:100%;justify-content:center}.brand{margin:auto}}@media(max-width:800px){.inquiry{grid-template-columns:1fr;gap:25px}.inquiry-intro p:not(.eyebrow){max-width:600px}}@media(max-width:700px){header{padding:22px 20px 15px}.brand{gap:17px}.personal{width:185px;height:60px}.edge{padding-left:17px}.edge img{width:145px;height:58px;padding:8px}.edge span{font-size:10px;width:145px}.identity{font-size:11px}nav{font-size:19px;gap:20px}nav .button{font-size:12px}.states{display:block}.states>span{display:block;padding-top:0;margin-bottom:10px}.states p{font-size:21px}.states .states-secondary{font-size:14px}.inquiry-form{padding:24px}.form-row{grid-template-columns:1fr;gap:0}}@media(max-width:380px){.personal{width:155px}.edge img,.edge span{width:125px}.brand{gap:12px}.edge{padding-left:12px}}

/* Keep the required adjacent brand attribution without an extra header disclosure row. */
header{padding-bottom:25px}.edge span{font-weight:400;font-size:11px;letter-spacing:.1px;color:#d6e2ea}@media(max-width:700px){header{padding-bottom:21px}.edge span{font-size:10px}}

.spam-field{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}