:root{--navy:#09233e;--red:#d72036;--muted:#536577;--bg:#f2f5f7}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--navy);font-size:16px;line-height:1.6}a{color:inherit;text-decoration:none}button,input,select{font:inherit}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--red);outline-offset:5px}.skip{position:fixed;top:-80px;left:20px;background:white;padding:12px;z-index:5}.skip:focus{top:10px}header{padding:18px max(5vw,24px);display:flex;align-items:center;justify-content:space-between;gap:24px;border-bottom:1px solid #dce3e8;background:white}.brand img{width:240px;height:auto;display:block}nav{display:flex;gap:28px;align-items:center;font-size:14px;font-weight:600}nav a:hover,.text-link:hover{color:var(--red)}.button{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:13px 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24px}.section-head{display:flex;align-items:end;justify-content:space-between;gap:40px}.section-head>p{max-width:370px;color:var(--muted);margin-bottom:30px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:25px;margin-top:30px}.cards article{border-top:2px solid var(--navy);padding:26px 20px 24px 0}.number{font-size:12px;letter-spacing:1.7px;color:var(--muted);font-weight:700}h3{font-size:24px;line-height:1.25;letter-spacing:-.6px}.cards p{color:var(--muted);max-width:340px}.cards a{display:inline-block;font-weight:700;font-size:14px;border-bottom:1px solid #c8d2db;margin-top:15px}.cards a:hover{color:var(--red)}.calculator{background:var(--bg);display:grid;grid-template-columns:.9fr 1.1fr;gap:7%}.calculator-copy>p{max-width:400px}.fine{font-size:12px;color:var(--muted);line-height:1.6}.calculator-copy .fine{margin-top:35px}.calc-panel{background:#fff;padding:32px;border:1px solid #dce3e8;border-radius:6px}.inputs{display:grid;grid-template-columns:1fr 1fr;gap:16px 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.eyebrow{color:#b9c9d9}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin-top:40px}.steps article{border-top:1px solid #60768a;padding-top:22px}.steps article>span{font-size:14px;color:#bacada}.steps p{color:#c6d4e1}.faq{display:grid;grid-template-columns:.85fr 1.15fr;gap:8%}details{border-bottom:1px solid #ccd7df;padding:22px 0}summary{font-size:18px;font-weight:600;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:20px}summary::-webkit-details-marker{display:none}summary:after{content:'+';font-size:24px;font-weight:400;line-height:1}details[open] summary:after{content:'−'}details p{color:var(--muted);margin:18px 30px 0 0}.contact{background:#112f4d;color:#fff;display:grid;grid-template-columns:1.3fr 1fr;gap:10%}.contact .eyebrow{color:#c4d1df}.contact h2{font-size:clamp(34px,3.5vw,50px)}.contact p{color:#d1dce7}.light{background:white;color:var(--navy)}.outline{background:transparent;border:1px solid #8297ab}.contact-note{border-left:1px solid #647d93;padding-left:35px;align-self:center}.contact-note>span{font-size:12px;letter-spacing:2px;color:#c4d1df}.contact-note strong{display:block;font-size:32px;margin-top:12px}.contact-note>a{font-size:16px;overflow-wrap:anywhere;border-bottom:1px solid #8196a9}.contact-note .fine{max-width:290px;margin-top:28px}footer{padding:38px max(5vw,24px);background:#f2f5f7;color:var(--muted);font-size:12px}.footer-top{display:flex;gap:25px;align-items:center;flex-wrap:wrap;margin-bottom:22px}.footer-top strong{font-size:18px;color:var(--navy)}.footer-top a{margin-left:auto;text-decoration:underline}footer p{max-width:1100px}footer>span{display:block;margin-top:22px}@media(min-width:1500px){.section{padding-left:calc((100vw - 1300px)/2);padding-right:calc((100vw - 1300px)/2)}}@media(max-width:950px){nav{gap:16px}.brand img{width:190px}h1{letter-spacing:-2px}.portrait{height:540px}.hero{gap:4%}.hero-note{margin-top:25px}.hero-copy>p{font-size:16px}.section{padding-top:64px;padding-bottom:64px}.calculator{gap:4%}.calc-panel{padding:24px}.contact{gap:5%}}@media(max-width:720px){header{padding:14px 22px;flex-wrap:wrap}.brand img{width:190px}#menu{display:block;background:white;color:var(--navy);border:1px solid #bcc9d5;padding:8px 14px;border-radius:3px}nav{display:none;width:100%;padding:15px 0;flex-direction:column;align-items:start}nav.open{display:flex}.hero{grid-template-columns:1fr;padding:40px 24px;gap:30px}h1{font-size:55px;letter-spacing:-2.5px}.hero-copy>p{font-size:17px}.hero-note{margin-top:25px}.portrait{height:480px}.portrait>img{object-position:center 30%}.portrait-label{padding:15px;left:15px;right:15px;bottom:15px}.portrait-label span{font-size:12px}.intro-strip p{font-size:18px}.intro-strip span{font-size:10px}.section-head{display:block}.cards,.steps{grid-template-columns:1fr;gap:12px}.cards article{padding-right:0}.cards h3 br{display:none}.cards p{max-width:none}.calculator,.about,.faq,.contact{grid-template-columns:1fr;gap:28px}.calculator-copy .fine{margin-top:20px}.calc-panel{padding:22px 18px}.inputs{gap:15px 12px}.about>div+div{padding-top:0}.steps{gap:24px}.contact-note{padding:25px 0 0;border-left:0;border-top:1px solid #647d93}.footer-top{display:grid;gap:8px}.footer-top a{margin-left:0}.actions{gap:18px}.contact .actions{align-items:stretch}.contact .button{width:100%}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

header{position:sticky;top:0;z-index:4}nav{margin-left:auto}.header-apply,.apply{background:var(--red)}.header-apply:hover,.apply:hover{background:#b8182c}.contact .apply{background:white;color:var(--navy)}.contact .apply:hover{background:#e2eaf0}.hero h1{margin-top:0}@media(max-width:1100px) and (min-width:721px){header{gap:16px}nav{gap:14px}.brand img{width:170px}.header-apply{padding:10px 14px}nav .small{padding:10px 14px}}@media(max-width:720px){header{gap:12px;padding:12px 16px}.brand{flex:1}.brand img{width:clamp(120px,29vw,190px)}#menu{order:2;padding:8px 10px;font-size:14px}.header-apply{order:1;font-size:14px;padding:10px 14px}nav{order:3;margin-left:0}.hero .actions{gap:18px}.hero .actions .button{min-width:150px}}

.reviews{display:grid;grid-template-columns:1fr 1fr;gap:7%;align-items:center;background:#fff}.review-panel{border-left:4px solid var(--red);background:var(--bg);padding:30px}.review-slide{min-height:170px}.review-slide[hidden]{display:none}.review-slide blockquote{font-size:26px;line-height:1.4;letter-spacing:-.5px;margin:0 0 20px}.review-slide strong{font-size:16px}.review-controls{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin-top:20px;font-size:14px}.review-controls button{background:white;border:1px solid #b9c7d1;border-radius:4px;padding:8px 12px;min-height:44px;cursor:pointer;color:var(--navy);font-size:14px}.review-controls button:hover{background:#e2eaf0}.review-panel .fine a{text-decoration:underline}@media(max-width:720px){.reviews{grid-template-columns:1fr;gap:24px}.review-panel{padding:24px 20px}.review-slide blockquote{font-size:24px}}

/* Consistent section rhythm and compact calculator workspace. */
.section{padding-top:60px;padding-bottom:60px}.hero{padding-top:40px;padding-bottom:44px;gap:5%}.portrait{height:540px}.hero-note{margin-top:24px}.hero-note p{margin:0}.intro-strip{padding-top:20px;padding-bottom:20px}.section-head{align-items:center}.section-head>p{margin:0}.cards{margin-top:18px;gap:24px}h2{margin-top:12px;margin-bottom:18px}.steps{margin-top:28px}.about>div+div{padding-top:12px}.reviews{gap:5%}.review-slide{min-height:130px}.review-panel{padding:24px}.contact{gap:6%}.contact .actions{gap:12px}.contact .button{padding-left:20px;padding-right:20px}.calculator-hub{background:var(--bg)}.calculator-heading p{margin:0;color:var(--muted)}.calculator-heading h2{margin-bottom:12px}.calculator-picker{max-width:480px;margin:24px 0}.calculator-picker label{display:block}.calculator-picker select{font-weight:600;min-height:50px}.calculator-layout{display:grid;grid-template-columns:minmax(0,.75fr) minmax(0,1.25fr);gap:5%;align-items:start}.calculator-copy h3{font-size:28px;margin:0 0 12px}.calculator-copy>p{max-width:400px;margin-top:0}.calculator-copy .fine{margin-top:20px;margin-bottom:24px}.calculator-layout>div{min-width:0}.calculator-layout [hidden]{display:none}.calc-panel{padding:28px}.comparison-results{margin-top:24px;border-top:1px solid #dce3e8;padding-top:20px}.result-main{margin-bottom:18px}.result-main span{display:block;color:var(--muted);font-size:14px}.result-main strong{font-size:36px;line-height:1.3;letter-spacing:-1px}.result-row{display:flex;justify-content:space-between;align-items:baseline;gap:16px;border-bottom:1px solid #e1e6eb;padding:9px 0;font-size:14px}.result-row span{color:var(--muted)}.result-row strong{text-align:right}.comparison-results p{font-size:14px;color:var(--muted)}.comparison-results table{width:100%;border-collapse:collapse;font-size:14px}.comparison-results th,.comparison-results td{padding:10px 8px;text-align:right;border-bottom:1px solid #dce3e8;vertical-align:top}.comparison-results th:first-child,.comparison-results td:first-child{text-align:left}.comparison-results th{font-weight:600}.table-scroll{overflow-x:auto}.calculator-layout .inputs label{min-width:0}.calculator-layout input{min-width:0}.calculator-layout .text-link{font-size:14px}@media(max-width:950px){.portrait{height:480px}.calculator-layout{grid-template-columns:minmax(0,.7fr) minmax(0,1.3fr)}}@media(max-width:720px){.section{padding-top:40px;padding-bottom:40px}.hero{padding:30px 24px;gap:24px}h1{font-size:clamp(42px,12vw,55px);line-height:1.08}.hero-copy>p{margin-bottom:0}.hero .actions{margin-top:22px}.portrait{height:440px}.calculator-layout{grid-template-columns:1fr;gap:22px}.calculator-picker{max-width:none;margin:22px 0}.calculator-copy .fine{margin:12px 0}.calculator-copy>p{max-width:none}.calc-panel{padding:22px 18px}.calculator-heading h2{font-size:36px}.review-slide{min-height:145px}.about>div+div{padding-top:0}.contact .button{width:100%}.cards article{padding-top:20px;padding-bottom:20px}.section-head>p{margin-bottom:12px}}@media(max-width:380px){.inputs{grid-template-columns:1fr}.review-controls{gap:8px}.brand img{width:112px}.header-apply{padding:10px 11px}.result-main strong{font-size:30px}}

.insights-preview{background:var(--bg)}.insight-card{max-width:820px;border-top:2px solid var(--navy);padding:22px 0 4px;margin-top:24px}.insight-card h3{font-size:28px;line-height:1.3;margin:14px 0}.insight-card h3 a:hover{color:var(--red)}.insight-card p{color:var(--muted);max-width:650px;margin-bottom:18px}.insight-card .text-link{display:inline-block;font-size:14px}.insights-main{max-width:1100px;padding:44px 24px 64px;margin:auto;min-height:60vh}.article-main{max-width:950px;margin:auto;padding:32px 24px 64px}.breadcrumbs{display:flex!important;flex-direction:row!important;width:auto;font-size:14px;font-weight:400;gap:12px;margin:0 0 26px;padding:0;align-items:center!important;flex-wrap:wrap}.breadcrumbs a{text-decoration:underline}.article-heading h1{font-size:clamp(34px,4.4vw,56px);line-height:1.15;letter-spacing:-1.5px;margin:12px 0 18px}.article-deck{font-size:20px;color:var(--muted);line-height:1.6;max-width:760px}.article-byline{font-size:14px;color:var(--muted);line-height:1.8;border-bottom:1px solid #dce3e8;padding-bottom:24px;margin-bottom:30px}.article-content{max-width:720px}.article-content p{font-size:18px;line-height:1.75;margin:16px 0}.article-content h2{font-size:30px;line-height:1.25;letter-spacing:-.7px;margin:34px 0 14px}.article-content p a,.article-sources a{color:var(--navy);text-decoration:underline;text-underline-offset:3px}.article-content a:hover{color:var(--red)}.article-cta{background:var(--bg);border-left:4px solid var(--red);padding:24px;margin:34px 0}.article-cta h3{margin:0 0 12px}.article-cta p{font-size:16px;overflow-wrap:anywhere}.article-cta .actions{margin-top:18px}.article-sources{border-top:1px solid #dce3e8;margin-top:34px;padding-top:18px}.article-sources h3{font-size:18px}.article-sources li{font-size:14px;margin-bottom:10px}.article-sources p.fine{font-size:14px}.article-content .text-link{font-size:14px}@media(min-width:721px) and (max-width:1250px){header{gap:14px}.brand img{width:170px}header nav{gap:14px}header nav .small{padding:10px 14px}.header-apply{padding:10px 14px}}@media(max-width:720px){.article-main{padding-top:24px}.article-heading h1{font-size:36px;letter-spacing:-1px}.article-deck{font-size:18px}.article-content p{font-size:17px}.article-content h2{font-size:26px;margin-top:28px}.article-cta{padding:20px}.insight-card h3{font-size:25px}.insights-main{padding:30px 24px 44px}}

.loan-main{max-width:1250px;margin:auto;padding:44px 24px 60px}.loan-main .article-deck{max-width:780px}.loan-jump{display:flex!important;flex-direction:row!important;flex-wrap:wrap;gap:10px;margin:24px 0 30px;padding:0;width:auto;align-items:center!important}.loan-jump a{padding:10px 18px;border:1px solid #b9c7d1;border-radius:4px;background:white;min-height:44px;font-size:14px;font-weight:600}.loan-jump a:hover{background:var(--navy);color:white}.loan-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.loan-card{background:var(--bg);padding:28px;border-top:3px solid var(--navy);scroll-margin-top:140px;display:flex;flex-direction:column;min-width:0}.loan-card h2{font-size:32px;margin:12px 0;letter-spacing:-1px}.loan-subtitle{font-size:18px;font-weight:600;line-height:1.5;color:var(--navy)!important;margin:0 0 14px}.loan-card p,.loan-card li{font-size:16px;line-height:1.65;color:var(--muted)}.loan-card>p:not(.loan-subtitle){margin:0 0 16px}.loan-card ul{padding-left:20px;margin:0 0 18px}.loan-card li{padding-left:3px;margin-bottom:10px}.loan-card .loan-focus{border-top:1px solid #ccd7df;padding-top:16px;font-weight:600;color:var(--navy);margin-top:auto!important}.loan-card .text-link{font-size:14px;align-self:flex-start}.loan-help{margin-top:36px;padding:28px;background:var(--navy);color:white;display:grid;grid-template-columns:1.3fr 1fr;gap:32px;align-items:center}.loan-help h2{font-size:30px}.loan-help p{color:#d1dce7;font-size:16px}.loan-help .actions{margin:0;justify-content:flex-end}.loan-help .text-link{font-size:14px}.loan-help a:focus-visible{outline-color:white}.loan-disclaimer{font-size:14px;color:var(--muted);margin-top:24px}.loan-sources{padding:14px 0}.loan-sources summary{font-size:16px}.loan-sources li{font-size:14px;margin:10px 0}.loan-sources a{text-decoration:underline}header nav [aria-current="page"]{color:var(--red)}@media(max-width:720px){.loan-main{padding:30px 24px 44px}.loan-grid{grid-template-columns:1fr;gap:20px}.loan-card{padding:24px 22px}.loan-jump{gap:8px;margin-top:20px}.loan-jump a{padding:9px 14px}.loan-help{grid-template-columns:1fr;gap:16px;padding:24px}.loan-help .actions{justify-content:flex-start}.loan-card{scroll-margin-top:130px}}

.loan-detail-overview{border-bottom:1px solid #dce3e8;padding-bottom:24px;margin-bottom:28px}.loan-detail-overview h2{display:none}.loan-detail-overview ul{padding-left:22px}.loan-detail-overview li{font-size:17px;line-height:1.7;margin-bottom:10px}.loan-detail-overview .text-link{display:inline-block;margin-top:10px}.article-content>p.fine{font-size:14px}.loan-detail-overview .loan-focus{font-weight:600}footer a.footer-resource{text-decoration:underline;margin-right:18px}

.office-address{margin:24px 0}.office-address address,.office-map address{font-style:normal;line-height:1.7;margin:10px 0}.office-map{display:grid;grid-template-columns:1fr 1.3fr;gap:32px;align-items:center}.office-map iframe{width:100%;height:350px;border:0;border-radius:12px}.footer-address{margin-bottom:20px}@media(max-width:700px){.office-map{grid-template-columns:1fr}.office-map iframe{height:300px}}

.review-topic{display:inline-block;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;font-weight:700;color:#8e252c;margin-bottom:16px}.review-summary{font-size:1rem;line-height:1.65;margin:18px 0 22px}.review-summary span{display:block;font-size:.7rem;text-transform:uppercase;letter-spacing:.08em;opacity:.65;margin-bottom:5px}.review-panel{min-height:400px}.review-slide blockquote{margin-bottom:16px}@media(max-width:700px){.review-panel{min-height:440px}}

/* Expanded buyer FAQ guide */
.faq-expanded>div:first-child>p{max-width:360px;color:var(--muted)}.faq-answer .text-link{display:inline-block;margin:18px 0 4px;font-size:14px;color:var(--navy)}.faq-main .article-heading{max-width:850px}.faq-main h1{font-size:clamp(36px,5vw,62px);letter-spacing:-1.8px;line-height:1.1}.faq-topics{display:grid;grid-template-columns:1fr 1fr;gap:12px 28px;padding:24px;background:var(--bg);border-radius:6px;margin:28px 0}.faq-topics a{font-weight:600;font-size:14px;line-height:1.5}.faq-guide{max-width:900px;margin:32px auto}.faq-guide summary{font-size:20px;line-height:1.45}.faq-guide details{scroll-margin-top:24px}.faq-answer p{line-height:1.75}.faq-guide .faq-answer p{margin-right:0}.faq-main .loan-sources a{text-decoration:underline}header nav{gap:20px}@media(min-width:721px) and (max-width:1350px){header{flex-wrap:wrap}header nav{order:3;width:100%;justify-content:center;gap:22px}.header-apply{margin-left:auto}}@media(max-width:720px){.faq-topics{grid-template-columns:1fr;padding:20px}.faq-guide summary{font-size:18px}.faq-expanded{gap:24px}header nav{gap:16px}.faq-answer p{margin-right:0}.faq-main h1{letter-spacing:-1px}}