*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:130px}body{margin:0;font:400 16px/1.7 var(--body);background:var(--surface);color:var(--ink)}a{color:var(--blue);text-underline-offset:4px}a:hover{text-decoration-thickness:2px}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:disabled{cursor:default;opacity:.5}:focus-visible{outline:3px solid #e3a82d;outline-offset:5px}img{display:block;max-width:100%;height:auto}h1,h2,h3,h4{font-family:var(--display);line-height:1.12;letter-spacing:-.035em;margin:0 0 20px}h1{font-size:clamp(2.65rem,5vw,4.9rem);font-weight:700}h2{font-size:clamp(2rem,3.1vw,3.2rem)}h3{font-size:1.4rem;line-height:1.25}p{margin:0 0 20px}p:last-child{margin-bottom:0}ul,ol{padding-left:22px}li+li{margin-top:7px}.container{width:min(1280px,calc(100% - 80px));margin:auto}.section{padding:88px 0}.soft{background:var(--soft)}.kicker{display:block;font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--blue);margin-bottom:20px}.lede{font-size:1.16rem;color:var(--muted);max-width:66ch}.small{font-size:.875rem;color:var(--muted)}.skip-link{position:fixed;top:-80px;left:20px;background:var(--surface);padding:10px;z-index:100}.skip-link:focus{top:10px}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.btn{display:inline-flex;align-items:center;justify-content:center;gap:14px;min-height:48px;padding:12px 23px;border-radius:8px;font-weight:700;text-decoration:none;border:1px solid transparent;line-height:1.4;font-size:.91rem;transition:background .2s,transform 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.last{font-weight:300;color:var(--blue)}.wordmark small{width:100%;margin-top:9px;font:600 .61rem/1.4 var(--body);letter-spacing:.07em;text-transform:uppercase;color:var(--muted)}.nav{flex:1}.nav>ul{padding:0;margin:0;list-style:none;display:flex;justify-content:flex-end;gap:20px}.nav li{margin:0}.nav-item{display:flex;align-items:center;gap:2px}.nav-item>a{font-size:.82rem;font-weight:600;text-decoration:none;color:var(--ink);padding:35px 0}.nav-item>a[aria-current=page]{color:var(--blue)}.nav-item>button{width:22px;height:34px;border:0;background:transparent;color:var(--muted);font-size:.9rem}.nav-menu{display:none;position:absolute;top:100%;left:0;right:0;background:var(--surface);border-bottom:1px solid var(--line);box-shadow:0 18px 20px #0001;padding:30px 0}.nav-item.open .nav-menu{display:block}.nav-menu-inner{display:grid;grid-template-columns:1fr 3fr;gap:60px}.nav-menu h3{font-size:1.5rem}.nav-menu-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px 30px}.nav-menu-links a{text-decoration:none;color:var(--ink);font-size:.92rem}.nav-menu-links a:hover{color:var(--blue)}.header-tools{display:flex;gap:12px;align-items:center}.theme-toggle{width:38px;height:38px;flex-shrink:0;background:var(--soft);border:1px solid var(--line);color:var(--ink);border-radius:50%;font-size:1.1rem}.header-tools>.btn{padding:11px 16px;font-size:.8rem;white-space:nowrap}.nav-toggle{display:none}.hero{background:var(--navy);color:#fff;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:58px;align-items:center;min-height:600px;padding:68px 0}.hero .kicker{color:#9dbff8}.hero h1{max-width:12.5ch}.hero h1 em{font-style:normal;color:#8db8ff}.hero .lede{color:#c8d5e7;max-width:48ch;font-size:1.03rem;line-height:1.8}.hero .btn-secondary{border-color:#56708f;color:#fff}.hero-visual{position:relative;align-self:stretch;min-width:0;display:flex;align-items:center;padding:16px 0}.hero-visual>img{width:100%;height:100%;max-height:470px;object-fit:cover;border-radius:150px 16px 16px 16px}.hero-caption{position:absolute;bottom:24px;left:-25px;background:#fff;color:#112340;padding:18px 25px;border-radius:12px;box-shadow:0 10px 35px #0002;min-width:240px}.hero-caption strong{display:block;font-family:var(--display);font-size:1.15rem}.hero-caption span{font-size:.78rem;color:#53657b}.hero-trust{display:flex;gap:20px;align-items:center;margin-top:32px;font-size:.78rem;color:#c8d5e7}.stars{letter-spacing:.14em;color:#de990a;font-size:1.1rem}.hero-trust .stars{color:#ffcb60}.lender-strip{padding:24px 0;border-bottom:1px solid var(--line)}.lender-strip .container{display:flex;align-items:center;gap:36px}.lender-strip p{font-size:.76rem;color:var(--muted);margin:0;min-width:155px}.lender-strip .lender-names{display:flex;justify-content:space-between;gap:28px;width:100%;overflow:auto;scrollbar-width:none}.lender-names span{font-family:var(--display);font-size:1.3rem;font-weight:700;white-space:nowrap;color:var(--ink);opacity:.75}.section-heading{display:flex;justify-content:space-between;gap:40px;align-items:end;margin-bottom:40px}.section-heading h2{max-width:21ch;margin-bottom:0}.section-heading p{max-width:42ch;color:var(--muted)}.grid{display:grid;gap:24px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.card{display:flex;flex-direction:column;position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:32px;text-decoration:none;color:var(--ink);transition:transform .2s,border-color .2s,box-shadow .2s;min-width:0}.card:hover{transform:translateY(-4px);border-color:#8cafe5;box-shadow:var(--shadow)}.card .number{font:600 .8rem/1 var(--body);color:var(--blue);margin-bottom:26px;letter-spacing:.1em}.card p{color:var(--muted);font-size:.94rem}.card .card-link{margin-top:auto;padding-top:22px;font-size:.86rem;font-weight:700;color:var(--blue);display:flex;justify-content:space-between}.card.featured{background:var(--navy);color:#fff;border-color:var(--navy)}.card.featured p{color:#c8d5e7}.card.featured .number,.card.featured .card-link{color:#9ec3ff}.path-row{border-top:1px solid var(--line);padding:22px 0;display:flex;align-items:center;gap:25px}.path-row:last-child{border-bottom:1px solid var(--line)}.path-row>span{font-size:.8rem;color:var(--blue)}.path-row h3{font-size:1.4rem;margin:0 0 6px}.path-row p{font-size:.94rem;color:var(--muted)}.path-row a{margin-left:auto;text-decoration:none;font-size:1.5rem;min-width:35px}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.photo-rounded{width:100%;aspect-ratio:1/1.1;object-fit:cover;border-radius:18px}.signature{font-family:var(--display);font-size:2.2rem;font-weight:300;color:var(--blue);letter-spacing:-.06em;margin-top:25px}.process{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:30px;list-style:none;padding:0;counter-reset:step;margin-top:40px}.process li{border-top:2px solid var(--line);padding-top:24px;margin:0}.process li:before{counter-increment:step;content:'0' counter(step);display:block;font-size:.9rem;font-weight:600;color:var(--blue);margin-bottom:20px}.process h3{font-size:1.2rem}.process p{font-size:.94rem;color:var(--muted)}.reviews-viewport{overflow:hidden}.reviews-track{list-style:none;display:flex;padding:0;margin:0;gap:24px;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:thin;padding-bottom:12px}.review{flex:0 0 calc((100% - 48px)/3);background:var(--card);border:1px solid var(--line);border-radius:16px;padding:30px;scroll-snap-align:start;margin:0!important;display:flex;flex-direction:column}.review blockquote{font-size:.93rem;line-height:1.8;margin:18px 0 25px}.review footer{margin-top:auto;font-size:.78rem;color:var(--muted)}.review cite{font-style:normal;font-weight:700;color:var(--ink);display:block;margin-bottom:4px}.review-controls{display:flex;gap:8px}.icon-btn{border:1px solid var(--line);background:var(--surface);color:var(--ink);min-width:44px;height:44px;padding:8px 12px;border-radius:50%;font-size:1rem}.review-grid .review{margin:0;min-width:0}.review-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.lender-list{display:flex;flex-wrap:wrap;gap:12px;list-style:none;padding:0;margin:24px 0}.lender-list li{margin:0;padding:10px 16px;border:1px solid var(--line);border-radius:7px;font-size:.85rem;font-weight:600;background:var(--card)}.cta-band{background:var(--navy);color:#fff;padding:55px 60px;border-radius:20px;display:flex;align-items:center;justify-content:space-between;gap:40px}.cta-band h2{font-size:2.5rem;max-width:22ch}.cta-band p{color:#c8d5e7}.cta-band .btn{flex-shrink:0}.footer{background:var(--navy);color:#c5d3e7;padding:70px 0 35px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:40px}.footer .wordmark{color:#fff}.footer .wordmark small{color:#a5bad4}.footer .wordmark .last{color:#8ab8ff}.footer h3{font:600 .9rem/1.4 var(--body);color:#fff;margin:0 0 23px;letter-spacing:0}.footer p{font-size:.86rem}.footer ul{list-style:none;margin:0;padding:0}.footer li{margin-top:8px;font-size:.86rem}.footer a{color:#c5d3e7;text-decoration:none}.footer a:hover{color:#fff;text-decoration:underline}.footer-legal{border-top:1px solid #344762;margin-top:40px;padding-top:25px;font-size:.75rem;line-height:1.8}.footer-legal p{font-size:.75rem;margin-bottom:14px}.footer-legal strong{color:#fff}.footer-bottom{display:flex;gap:25px;flex-wrap:wrap;padding-top:24px;font-size:.75rem}.page-hero{padding:48px 0 62px;background:var(--soft);border-bottom:1px solid var(--line)}.breadcrumbs{font-size:.78rem;color:var(--muted);margin-bottom:35px;display:flex;gap:10px;flex-wrap:wrap}.breadcrumbs a{color:var(--muted);text-decoration:none}.page-hero h1{font-size:clamp(2.5rem,4.5vw,4.25rem);max-width:20ch}.page-hero .lede{max-width:65ch}.page-hero-grid{display:grid;grid-template-columns:1.65fr 1fr;gap:70px;align-items:center}.at-glance{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:32px}.at-glance h2{font-size:1.22rem}.at-glance ul{list-style:none;padding:0;margin:0}.at-glance li{border-bottom:1px solid var(--line);padding:10px 0;color:var(--muted);font-size:.92rem}.at-glance li:last-child{border:0}.content-layout{display:grid;grid-template-columns:minmax(0,2.3fr) minmax(240px,1fr);gap:70px;align-items:start}.article h2{font-size:2rem;margin-top:52px}.article h2:first-child{margin-top:0}.article h3{font-size:1.2rem;margin-top:30px}.article p,.article li{color:var(--muted)}.article .notice{color:var(--ink)}.article table{width:100%;border-collapse:collapse;margin:25px 0;font-size:.93rem}.article th,.article td{padding:16px;text-align:left;border:1px solid var(--line);vertical-align:top}.article th{background:var(--soft)}.sidebar{position:sticky;top:125px;display:grid;gap:24px}.sidebar>div{padding:28px;border:1px solid var(--line);border-radius:14px}.sidebar h2{font-size:1.25rem}.sidebar .links{display:grid;gap:12px;font-size:.9rem}.sidebar .links a{color:var(--ink);text-decoration:none}.sidebar .links a:hover{color:var(--blue)}.sidebar .btn{width:100%;margin-top:15px}.notice{border-left:3px solid var(--blue);background:var(--soft);padding:20px 24px;border-radius:0 8px 8px 0;font-size:.9rem;margin:28px 0}.faq{border-bottom:1px solid var(--line)}.faq:first-of-type{border-top:1px solid var(--line)}.faq summary{padding:22px 32px 22px 0;font-weight:600;cursor:pointer;position:relative;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:'+';position:absolute;right:5px;font-size:1.3rem;color:var(--blue);top:18px}.faq[open] summary:after{content:'−'}.faq p{padding:0 30px 20px 0;font-size:.95rem}.source-note{margin-top:40px!important;padding-top:20px;border-top:1px solid var(--line);font-size:.78rem;color:var(--muted)}.fields{display:grid;grid-template-columns:1fr 1fr;gap:20px}.field{margin-bottom:22px}.field label{display:block;font-size:.9rem;font-weight:600;margin-bottom:7px}.field input,.field select,.field textarea{border:1px solid var(--line);border-radius:8px;width:100%;min-height:50px;padding:12px 15px;background:var(--surface);color:var(--ink)}.field textarea{resize:vertical}.field small{display:block;font-size:.79rem;color:var(--muted);margin-top:6px}.form-panel{border:1px solid var(--line);border-radius:20px;padding:38px;background:var(--card)}.form-panel h2{font-size:1.9rem}.form-status{margin-top:18px;font-size:.9rem}.form-status:empty{display:none}.contact-method{display:block;color:var(--ink);padding:23px 0;border-bottom:1px solid var(--line);text-decoration:none}.contact-method strong{font-family:var(--display);display:block;font-size:1.3rem}.contact-method span{color:var(--muted);font-size:.9rem}.calculator{display:grid;grid-template-columns:1.15fr 1fr;border:1px solid var(--line);border-radius:20px;overflow:hidden;margin:35px 0}.calculator-controls{padding:35px;background:var(--card)}.calculator-result{padding:38px;background:var(--navy);color:#fff;display:flex;flex-direction:column;justify-content:center}.calculator-result .result-label{color:#c8d5e7;font-size:.9rem}.calculator-result output{font:600 clamp(2.8rem,4.4vw,4.3rem)/1.2 var(--display);letter-spacing:-.04em;display:block;margin:18px 0 30px}.result-detail{border-top:1px solid #3a4b64;padding-top:16px;font-size:.93rem;color:#c8d5e7}.result-row{display:flex;justify-content:space-between;gap:20px;padding:10px 0}.result-row strong{color:#fff}.calc-error{font-size:.9rem;color:#ffd6cc}.check-label{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;margin:15px 0}.check-label input{width:18px;height:18px;margin-top:5px}.tool-note{font-size:.82rem;color:var(--muted)}.reading-width{max-width:850px}.sitemap-group{margin-top:40px}.sitemap-group h2{font-size:1.7rem}.sitemap-links{columns:3;column-gap:35px;list-style:none;padding:0}.sitemap-links li{break-inside:avoid;padding:5px 0;font-size:.9rem}.mobile-contact{display:none}.tag{display:inline-block;font-size:.74rem;font-weight:600;letter-spacing:.02em;padding:6px 11px;border:1px solid var(--line);border-radius:50px;background:var(--soft);color:var(--muted);margin-bottom:18px}.filters{display:flex;gap:10px;flex-wrap:wrap;margin:30px 0}.filters button{padding:10px 18px;border:1px solid var(--line);border-radius:7px;background:var(--card);color:var(--ink);font-size:.9rem}.filters button[aria-pressed=true]{background:var(--navy);color:white;border-color:var(--navy)}[hidden]{display:none!important}.two-lines{display:block}.hub-section+.hub-section{margin-top:60px}.hub-section h2{font-size:2rem}.hub-section .card h3{font-size:1.25rem}.hub-section .grid{gap:18px}.hub-section .card{padding:26px}.jump-links{display:flex;gap:10px;flex-wrap:wrap;margin-top:27px}.jump-links a{font-size:.82rem;padding:9px 15px;border:1px solid var(--line);border-radius:30px;text-decoration:none;color:var(--ink);background:var(--surface)}

@media(max-width:1250px){.container{width:calc(100% - 48px)}.nav>ul{gap:11px}.header-row{gap:14px}.nav-item>a{font-size:.76rem}.header-tools>.btn{display:none}.hero-grid{gap:38px}.hero-caption{left:-12px}.wordmark{font-size:1.6rem}}
@media(max-width:1100px){.header-row{min-height:80px}.nav-toggle{display:inline-flex;align-items:center;padding:8px 12px;border:1px solid var(--line);border-radius:6px;background:var(--surface);color:var(--ink);font-size:.88rem;margin-left:auto}.header-tools>.btn{display:flex}.nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--surface);border-bottom:1px solid var(--line);max-height:calc(100dvh - 82px);overflow:auto;padding:12px 24px 30px}.nav.is-open{display:block}.nav>ul{display:block}.nav-item{display:grid;grid-template-columns:1fr 45px}.nav-item>a{font-size:1rem;padding:15px 0}.nav-item>button{width:45px;height:45px}.nav-menu{position:static;grid-column:1/-1;padding:5px 0 22px;box-shadow:none}.nav-menu-inner{display:block;width:100%}.nav-menu-inner>div:first-child{display:none}.nav-menu-links{grid-template-columns:1fr 1fr;padding:10px 0}.hero-grid{min-height:550px;gap:30px}.hero h1{font-size:3.6rem}.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}.content-layout{gap:35px}.split{gap:40px}.page-hero-grid{gap:35px}.footer-grid{gap:25px}.process{gap:22px}.review{flex-basis:calc((100% - 24px)/2)}.review-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:760px){.container{width:calc(100% - 36px)}.topbar .container>span:last-child{display:none}.topbar{font-size:.72rem}.header-row{min-height:76px;gap:10px}.wordmark{font-size:1.5rem;max-width:190px}.wordmark small{font-size:.56rem}.header-tools{gap:8px}.header-tools>.btn{display:none}.theme-toggle{width:34px;height:34px}.nav-toggle{font-size:.8rem;padding:6px 10px}.hero-grid{grid-template-columns:1fr;gap:30px;padding:44px 0 48px}.hero h1{font-size:clamp(2.65rem,10vw,4.5rem);max-width:16ch}.hero .kicker{font-size:.68rem;line-height:1.7}.hero-visual{height:370px;padding:0 8px 15px}.hero-visual>img{border-radius:80px 12px 12px 12px}.hero-caption{left:0;bottom:0;min-width:215px;padding:14px 20px}.hero-trust{margin-top:24px;gap:14px}.hero .actions .btn{padding:12px 18px}.section{padding:58px 0}.lender-strip .container{display:block}.lender-strip p{margin-bottom:17px}.lender-names span{font-size:1.15rem}.lender-strip .lender-names{gap:30px}.section-heading{display:block;margin-bottom:30px}.section-heading p{margin-top:22px}.section-heading .text-link{margin-top:20px}.grid-2,.grid-3,.grid-4,.split,.page-hero-grid,.content-layout,.calculator,.footer-grid{grid-template-columns:1fr}.grid{gap:16px}.card{padding:28px}.card .number{margin-bottom:18px}.split{gap:35px}.photo-rounded{aspect-ratio:1/1;max-height:480px}.process{grid-template-columns:1fr 1fr;gap:30px}.review{flex-basis:88%;padding:26px}.review-grid{grid-template-columns:1fr}.review-controls{margin-top:24px}.cta-band{padding:35px 28px;display:block}.cta-band h2{font-size:2rem}.cta-band .btn{margin-top:25px}.footer{padding:50px 0 100px}.footer-grid{grid-template-columns:1fr 1fr;gap:35px 25px}.footer-grid>div:first-child{grid-column:1/-1}.footer-grid>div:last-child{grid-column:1/-1}.footer-bottom{gap:13px 20px}.page-hero{padding:30px 0 42px}.breadcrumbs{margin-bottom:26px;gap:8px}.page-hero h1{font-size:2.7rem}.page-hero .lede{font-size:1.04rem}.page-hero-grid{gap:30px}.at-glance{padding:25px}.sidebar{position:static}.article h2{font-size:1.8rem}.article table{font-size:.8rem;display:block;overflow:auto}.article th,.article td{padding:12px}.fields{grid-template-columns:1fr;gap:0}.form-panel{padding:26px}.calculator-controls,.calculator-result{padding:27px}.calculator-result output{font-size:3.2rem}.sitemap-links{columns:1}.mobile-contact{display:flex;position:fixed;z-index:45;left:0;right:0;bottom:0;background:var(--surface);border-top:1px solid var(--line);padding:10px 18px max(10px,env(safe-area-inset-bottom));gap:12px}.mobile-contact a{flex:1;min-height:42px;padding:10px;font-size:.83rem}.jump-links{gap:8px}.jump-links a{font-size:.76rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}.btn:hover,.card:hover{transform:none}}
@media print{.header,.topbar,.footer,.mobile-contact,.sidebar,.actions,.review-controls{display:none}body{background:#fff;color:#000;font-size:12pt}.container{width:100%}.section{padding:20px 0}.content-layout{display:block}.page-hero{background:none}.calculator{break-inside:avoid}a{color:#000}.faq p{display:block}.hero{background:white;color:black}.card{break-inside:avoid}}
/* Compact calculator when it sits alongside the homepage pathways. */
.split .calculator{grid-template-columns:1fr;margin-top:25px}.split .calculator-controls{display:grid;grid-template-columns:1fr 1fr;column-gap:16px;padding:26px}.split .calculator-controls .field{margin-bottom:16px}.split .calculator-controls .field input,.split .calculator-controls .field select{min-width:0}.split .calculator-result{padding:26px}.split .calculator-result output{font-size:2.7rem;margin:10px 0 20px}.split .calculator-result .result-row{padding:6px 0}.result-row{overflow-wrap:anywhere}.result-row strong{white-space:nowrap}.footer-grid>div{min-width:0}.footer-grid a{overflow-wrap:anywhere}.nav-menu-links a{padding:3px 0;line-height:1.5}
@media(max-width:390px){.process{grid-template-columns:1fr}.split .calculator-controls{grid-template-columns:1fr}.hero-visual{height:320px}.wordmark{font-size:1.4rem;max-width:170px}.topbar{font-size:.66rem}}