:root {
  --navy: #142f57;
  --navy-deep: #0d2440;
  --navy-brand: #1f2d69;
  --blue: #2e5eb1;
  --blue-bright: #3b7ade;
  --blue-pale: #edf4ff;
  --gold: #f4b000;
  --gold-soft: #fff5d6;
  --ink: #18263a;
  --muted: #5f6d7d;
  --line: #dfe5ec;
  --surface: #f7f8fa;
  --white: #fff;
  --success: #237a4b;
  --error: #b42318;
  --shadow-sm: 0 10px 30px rgba(10, 33, 58, 0.08);
  --shadow-lg: 0 28px 80px rgba(5, 22, 42, 0.24);
  --radius-sm: 12px;
  --radius-md: 20px;
  --radius-lg: 28px;
  --container: 1180px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 100px;
}

body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: "Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

body,
button,
input,
select {
  font-family: "Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

img,
svg {
  display: block;
}

img {
  max-width: 100%;
}

a {
  color: var(--blue);
  text-underline-offset: 0.18em;
}

a:hover {
  color: var(--navy-brand);
}

button,
select,
input,
summary,
a {
  -webkit-tap-highlight-color: transparent;
  scroll-margin-bottom: 90px;
}

button,
select,
input {
  font-size: 1rem;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1,
h2,
h3 {
  color: var(--navy);
  font-family: "Plus Jakarta Sans", "Inter", sans-serif;
  letter-spacing: -0.025em;
}

h1 {
  margin-bottom: 24px;
  color: var(--white);
  font-size: clamp(2.5rem, 5.2vw, 4.75rem);
  font-weight: 800;
  line-height: 1.04;
}

h2 {
  margin-bottom: 18px;
  font-size: clamp(2rem, 3.7vw, 3.25rem);
  font-weight: 800;
  line-height: 1.12;
}

h3 {
  margin-bottom: 10px;
  font-size: 1.25rem;
  font-weight: 700;
  line-height: 1.3;
}

sup {
  font-size: 0.65em;
  line-height: 0;
}

[hidden] {
  display: none !important;
}

.container {
  width: min(calc(100% - 40px), var(--container));
  margin-inline: auto;
}

.section {
  padding: 104px 0;
}

.skip-link {
  position: fixed;
  top: 10px;
  left: 10px;
  z-index: 1000;
  padding: 12px 18px;
  border-radius: 8px;
  background: var(--gold);
  color: var(--navy);
  font-weight: 800;
  transform: translateY(-160%);
  transition: transform 0.15s ease;
}

.skip-link:focus {
  transform: translateY(0);
}

:focus-visible {
  outline: 3px solid var(--blue);
  outline-offset: 3px;
}

.site-header :focus-visible,
.hero-copy :focus-visible,
.site-footer :focus-visible {
  outline-color: var(--gold);
}

.site-header {
  position: absolute;
  inset: 0 0 auto;
  z-index: 20;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
  background: rgba(13, 36, 64, 0.35);
  backdrop-filter: blur(14px);
}

.header-inner {
  display: flex;
  min-height: 94px;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  min-width: 117px;
}

.brand img {
  width: 117px;
  height: 74px;
  object-fit: contain;
}

.header-support {
  display: flex;
  align-items: center;
  gap: 18px;
}

.header-support-copy {
  color: rgba(255, 255, 255, 0.76);
  font-size: 0.88rem;
  font-weight: 600;
}

.phone-link {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  gap: 10px;
  padding: 0 20px;
  border: 1px solid rgba(255, 255, 255, 0.3);
  border-radius: 999px;
  color: var(--white);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
  text-decoration: none;
  transition: border-color 0.18s ease, background 0.18s ease, transform 0.18s ease;
}

.phone-link svg {
  color: var(--gold);
}

.phone-link:hover {
  border-color: rgba(255, 255, 255, 0.65);
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
  transform: translateY(-1px);
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 154px 0 40px;
  background:
    radial-gradient(circle at 20% 10%, rgba(59, 122, 222, 0.25), transparent 34%),
    linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 60%, var(--navy-brand) 100%);
  color: var(--white);
}

.hero::before {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.026) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.026) 1px, transparent 1px);
  background-size: 48px 48px;
  content: "";
  mask-image: linear-gradient(to bottom, black, transparent 82%);
  pointer-events: none;
}

.hero-river {
  position: absolute;
  right: -18%;
  bottom: -250px;
  width: 860px;
  height: 570px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 48%;
  pointer-events: none;
  transform: rotate(-14deg);
}

.hero-river-one {
  box-shadow: 0 0 0 76px rgba(255, 255, 255, 0.025), 0 0 0 152px rgba(255, 255, 255, 0.018);
}

.hero-river-two {
  right: -4%;
  bottom: -420px;
  width: 1100px;
  height: 740px;
  border-color: rgba(244, 176, 0, 0.11);
}

.hero-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(410px, 0.82fr);
  align-items: center;
  gap: clamp(48px, 7vw, 92px);
}

.hero-copy {
  padding: 38px 0 56px;
}

.eyebrow {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
  color: var(--gold);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 0.86rem;
  font-weight: 800;
  letter-spacing: 0.09em;
  line-height: 1.4;
  text-transform: uppercase;
}

.eyebrow-icon {
  display: inline-grid;
  width: 34px;
  height: 34px;
  flex: 0 0 34px;
  place-items: center;
  border: 1px solid rgba(244, 176, 0, 0.5);
  border-radius: 50%;
  background: rgba(244, 176, 0, 0.1);
}

.hero-lede {
  max-width: 680px;
  margin-bottom: 28px;
  color: rgba(255, 255, 255, 0.86);
  font-size: clamp(1.08rem, 1.6vw, 1.28rem);
  line-height: 1.65;
}

.hero-benefits {
  display: grid;
  gap: 13px;
  margin: 0 0 28px;
  padding: 0;
  list-style: none;
}

.hero-obligation {
  max-width: 680px;
  margin: -4px 0 25px;
  padding: 13px 15px;
  border-left: 3px solid var(--gold);
  border-radius: 0 10px 10px 0;
  background: rgba(255, 255, 255, 0.07);
  color: rgba(255, 255, 255, 0.88);
  font-size: 0.86rem;
  line-height: 1.55;
}

.hero-benefits li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  color: rgba(255, 255, 255, 0.94);
  font-weight: 600;
  line-height: 1.45;
}

.check {
  display: inline-grid;
  width: 24px;
  height: 24px;
  flex: 0 0 24px;
  place-items: center;
  margin-top: 1px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  font-size: 0.82rem;
  font-weight: 900;
}

.hero-assurance {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 20px;
  padding-top: 25px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.hero-assurance span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.83rem;
  font-weight: 700;
}

.hero-assurance svg {
  color: var(--gold);
}

.form-card {
  min-height: 595px;
  padding: clamp(26px, 3.5vw, 40px);
  border: 1px solid rgba(255, 255, 255, 0.55);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.985);
  box-shadow: var(--shadow-lg);
  color: var(--ink);
}

.form-card-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 22px;
}

.form-kicker {
  margin-bottom: 3px;
  color: var(--blue);
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  line-height: 1.4;
  text-transform: uppercase;
}

.form-card h2 {
  margin-bottom: 0;
  font-size: clamp(1.45rem, 2.4vw, 2rem);
  line-height: 1.2;
}

.time-badge {
  display: inline-flex;
  min-height: 38px;
  flex: 0 0 auto;
  align-items: center;
  gap: 7px;
  padding: 0 12px;
  border-radius: 999px;
  background: var(--blue-pale);
  color: var(--blue);
  font-size: 0.76rem;
  font-weight: 800;
}

.progress-meta {
  display: flex;
  justify-content: space-between;
  margin-bottom: 7px;
  color: var(--muted);
  font-size: 0.75rem;
  font-weight: 700;
}

.progress-track {
  height: 7px;
  overflow: hidden;
  margin-bottom: 29px;
  border-radius: 999px;
  background: #e9edf2;
}

.progress-fill {
  display: block;
  width: 20%;
  height: 100%;
  border-radius: inherit;
  background: linear-gradient(90deg, var(--blue), var(--blue-bright));
  transition: width 0.3s ease;
}

fieldset {
  min-width: 0;
  margin: 0;
  padding: 0;
  border: 0;
}

legend {
  width: 100%;
  margin-bottom: 7px;
  padding: 0;
  color: var(--navy);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: clamp(1.22rem, 2vw, 1.55rem);
  font-weight: 800;
  letter-spacing: -0.015em;
  line-height: 1.3;
}

.step-help {
  margin-bottom: 21px;
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.55;
}

.field-label {
  display: block;
  margin: 15px 0 7px;
  color: var(--navy);
  font-size: 0.88rem;
  font-weight: 700;
}

select,
input[type="text"],
input[type="email"],
input[type="tel"] {
  width: 100%;
  min-height: 54px;
  padding: 0 15px;
  border: 1.5px solid #cbd4df;
  border-radius: var(--radius-sm);
  background: var(--white);
  color: var(--ink);
  font-size: 1rem;
  outline: none;
  transition: border-color 0.16s ease, box-shadow 0.16s ease;
}

select:focus,
input[type="text"]:focus,
input[type="email"]:focus,
input[type="tel"]:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 4px rgba(46, 94, 177, 0.13);
}

select[aria-invalid="true"],
input[aria-invalid="true"] {
  border-color: var(--error);
  box-shadow: 0 0 0 4px rgba(180, 35, 24, 0.09);
}

.select-wrap {
  position: relative;
}

.select-wrap select {
  appearance: none;
  padding-right: 46px;
}

.select-wrap svg {
  position: absolute;
  top: 50%;
  right: 15px;
  color: var(--navy);
  pointer-events: none;
  transform: translateY(-50%);
}

.choice-grid {
  display: grid;
  gap: 10px;
}

.choice-grid-two {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.choice-grid-three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.choice-card {
  position: relative;
  min-width: 0;
}

.choice-card-wide {
  grid-column: 1 / -1;
}

.choice-card input {
  position: absolute;
  width: 1px;
  height: 1px;
  opacity: 0;
}

.choice-card span {
  display: flex;
  min-height: 52px;
  align-items: center;
  justify-content: center;
  padding: 8px 10px;
  border: 1.5px solid #cbd4df;
  border-radius: 12px;
  background: var(--white);
  color: var(--navy);
  cursor: pointer;
  font-size: 0.9rem;
  font-weight: 700;
  line-height: 1.25;
  text-align: center;
  transition: border-color 0.16s ease, background 0.16s ease, box-shadow 0.16s ease, transform 0.16s ease;
}

.choice-card input:focus-visible + span {
  outline: 3px solid var(--blue);
  outline-offset: 2px;
}

.choice-card input:checked + span {
  border-color: var(--blue);
  background: var(--blue-pale);
  box-shadow: inset 0 0 0 1px var(--blue);
  color: var(--blue);
}

.choice-card span:hover {
  border-color: var(--blue);
  transform: translateY(-1px);
}

.choice-card input[aria-invalid="true"] + span {
  border-color: var(--error);
}

.form-note {
  margin: 14px 0 0;
  padding: 11px 13px;
  border-radius: 10px;
  background: #f4f6f8;
  color: var(--muted);
  font-size: 0.74rem;
  line-height: 1.45;
}

.secondary-question {
  margin-top: 18px;
  padding-top: 17px;
  border-top: 1px solid var(--line);
}

.sublegend {
  margin-bottom: 10px;
  font-size: 0.9rem;
  letter-spacing: 0;
}

.balance-disclosure {
  display: grid;
  grid-template-columns: 20px 1fr;
  gap: 10px;
  margin-bottom: 16px;
  padding: 11px 12px;
  border-left: 3px solid var(--gold);
  border-radius: 0 10px 10px 0;
  background: var(--gold-soft);
  color: #5d4a10;
}

.balance-disclosure svg {
  margin-top: 2px;
}

.balance-disclosure p {
  margin: 0;
  font-size: 0.78rem;
  font-weight: 600;
  line-height: 1.48;
}

.field-help {
  margin: 6px 0 0;
  color: var(--muted);
  font-size: 0.7rem;
  line-height: 1.45;
}

.state-help a {
  font-weight: 800;
}

.field-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.consent-row {
  display: grid;
  grid-template-columns: 22px 1fr;
  gap: 11px;
  margin-top: 18px;
  color: #4a5868;
  cursor: pointer;
  font-size: 0.82rem;
  line-height: 1.48;
}

.consent-row input {
  width: 20px;
  height: 20px;
  margin: 1px 0 0;
  accent-color: var(--blue);
}

.consent-row input[aria-invalid="true"] {
  outline: 2px solid var(--error);
  outline-offset: 2px;
}

.privacy-copy {
  margin: 10px 0 0;
  color: var(--muted);
  font-size: 0.8rem;
  line-height: 1.45;
}

.privacy-copy a {
  font-weight: 700;
}

.honeypot {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
  clip: rect(0 0 0 0) !important;
  clip-path: inset(50%) !important;
  white-space: nowrap !important;
}

.form-primary,
.gold-button {
  display: inline-flex;
  min-height: 56px;
  align-items: center;
  justify-content: center;
  gap: 12px;
  padding: 0 24px;
  border: 0;
  border-radius: 999px;
  background: var(--gold);
  box-shadow: none;
  color: var(--navy);
  cursor: pointer;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 0.96rem;
  font-weight: 800;
  line-height: 1.2;
  text-decoration: none;
  transition: filter 0.16s ease, transform 0.16s ease, box-shadow 0.16s ease;
}

.form-primary {
  width: 100%;
  margin-top: 26px;
}

.form-primary:hover,
.gold-button:hover {
  box-shadow: 0 10px 25px rgba(244, 176, 0, 0.22);
  color: var(--navy);
  filter: brightness(0.97);
  transform: translateY(-1px);
}

.form-primary:active,
.gold-button:active {
  transform: translateY(0);
}

.form-primary[disabled] {
  cursor: wait;
  opacity: 0.68;
  transform: none;
}

.form-actions {
  display: grid;
  grid-template-columns: 92px 1fr;
  align-items: end;
  gap: 11px;
}

.form-back {
  min-height: 56px;
  margin-top: 26px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--white);
  color: var(--muted);
  cursor: pointer;
  font-weight: 700;
  transition: border-color 0.16s ease, color 0.16s ease;
}

.form-back:hover {
  border-color: var(--blue);
  color: var(--blue);
}

.form-error {
  min-height: 22px;
  margin: 12px 0 0;
  color: var(--error);
  font-size: 0.78rem;
  font-weight: 700;
  line-height: 1.4;
}

.form-security {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  margin: 6px 0 0;
  color: var(--muted);
  font-size: 0.72rem;
  line-height: 1.4;
  text-align: center;
}

.form-security svg {
  flex: 0 0 auto;
  color: var(--success);
}

.form-not-application {
  margin: 7px 0 0;
  color: var(--muted);
  font-size: 0.76rem;
  line-height: 1.4;
  text-align: center;
}

.noscript-note {
  margin-bottom: 18px;
  padding: 14px;
  border: 1px solid #f0d477;
  border-radius: 10px;
  background: var(--gold-soft);
  color: #5d4a10;
  font-size: 0.84rem;
}

.noscript-note a {
  color: inherit;
  font-weight: 800;
}

.success-view {
  display: flex;
  min-height: 515px;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
}

.success-icon {
  display: grid;
  width: 68px;
  height: 68px;
  place-items: center;
  margin-bottom: 20px;
  border-radius: 50%;
  background: #e7f6ed;
  color: var(--success);
  font-size: 1.8rem;
  font-weight: 900;
}

.success-view > p:not(.form-kicker) {
  max-width: 390px;
  color: var(--muted);
}

.demo-note {
  margin: 5px 0 0;
  padding: 12px 14px;
  border: 1px solid #f0d477;
  border-radius: 10px;
  background: var(--gold-soft);
  color: #68520f;
  font-size: 0.75rem;
  line-height: 1.45;
}

.success-call {
  margin-top: 20px;
}

.text-button {
  margin-top: 14px;
  padding: 8px 12px;
  border: 0;
  background: transparent;
  color: var(--blue);
  cursor: pointer;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.hero-disclaimer {
  position: relative;
  z-index: 2;
}

.hero-disclaimer p {
  max-width: 720px;
  margin: 5px 0 0;
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.82rem;
  line-height: 1.5;
}

.proof-strip {
  border-bottom: 1px solid var(--line);
  background: var(--surface);
}

.proof-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  align-items: stretch;
}

.proof-item {
  display: flex;
  min-height: 120px;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 20px;
  border-right: 1px solid var(--line);
  text-align: center;
}

.proof-item:last-child {
  border-right: 0;
}

.proof-item > strong {
  color: var(--navy);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 1.45rem;
  line-height: 1.2;
}

.proof-item > span {
  margin-top: 4px;
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 600;
  line-height: 1.35;
}

.proof-nmls {
  flex-direction: row;
  gap: 12px;
  color: var(--blue);
  text-align: left;
}

.proof-nmls span {
  display: flex;
  flex-direction: column;
  margin: 0;
}

.proof-nmls strong {
  color: var(--navy);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 0.92rem;
}

.section-heading {
  max-width: 780px;
  margin-bottom: 52px;
}

.section-heading.centered {
  margin-inline: auto;
  text-align: center;
}

.section-heading .eyebrow {
  justify-content: center;
}

.section-heading > p:last-child {
  max-width: 670px;
  margin: 0 auto;
  color: var(--muted);
  font-size: 1.05rem;
}

.eyebrow-blue {
  color: var(--blue);
}

.eyebrow-gold {
  color: #865b00;
}

.possibilities {
  background: var(--white);
}

.possibility-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}

.possibility-card {
  position: relative;
  overflow: hidden;
  min-height: 300px;
  padding: 30px 26px;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--white);
  box-shadow: 0 4px 20px rgba(10, 33, 58, 0.035);
  transition: border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
}

.possibility-card::before {
  position: absolute;
  inset: 0 0 auto;
  height: 4px;
  background: linear-gradient(90deg, var(--blue), var(--blue-bright));
  content: "";
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.2s ease;
}

.possibility-card:hover {
  border-color: #cbd9ed;
  box-shadow: var(--shadow-sm);
  transform: translateY(-4px);
}

.possibility-card:hover::before {
  transform: scaleX(1);
}

.card-icon {
  display: grid;
  width: 58px;
  height: 58px;
  place-items: center;
  margin-bottom: 24px;
  border-radius: 17px;
  background: var(--blue-pale);
  color: var(--blue);
}

.possibility-card p {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.65;
}

.how-it-works {
  position: relative;
  overflow: hidden;
  background: #f3f7fc;
}

.how-it-works::after {
  position: absolute;
  top: -270px;
  right: -260px;
  width: 600px;
  height: 600px;
  border: 85px solid rgba(46, 94, 177, 0.045);
  border-radius: 50%;
  content: "";
}

.process-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.1fr);
  align-items: start;
  gap: clamp(60px, 9vw, 120px);
}

.process-copy {
  position: sticky;
  top: 120px;
}

.process-copy > p:not(.eyebrow) {
  max-width: 500px;
  color: var(--muted);
  font-size: 1.04rem;
}

.secondary-link {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin-top: 12px;
  color: var(--blue);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
  text-decoration: none;
}

.secondary-link:hover {
  color: var(--navy);
}

.process-list {
  display: grid;
  gap: 18px;
  margin: 0;
  padding: 0;
  list-style: none;
  counter-reset: process;
}

.process-list li {
  display: grid;
  grid-template-columns: 68px 1fr;
  gap: 24px;
  padding: 27px 30px;
  border: 1px solid #dbe4ef;
  border-radius: var(--radius-md);
  background: var(--white);
  box-shadow: 0 10px 30px rgba(10, 33, 58, 0.04);
}

.step-number {
  display: grid;
  width: 58px;
  height: 58px;
  place-items: center;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
}

.process-list p {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 0.9rem;
}

.facts {
  background: var(--white);
}

.facts-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.78fr) minmax(0, 1.1fr);
  gap: clamp(50px, 8vw, 100px);
}

.facts-panel {
  align-self: center;
}

.facts-panel > p:not(.eyebrow) {
  color: var(--muted);
}

.facts-callout {
  display: flex;
  gap: 13px;
  margin-top: 28px;
  padding: 18px;
  border-left: 4px solid var(--gold);
  border-radius: 0 12px 12px 0;
  background: var(--gold-soft);
  color: #5d4a10;
}

.facts-callout svg {
  flex: 0 0 auto;
  margin-top: 2px;
}

.facts-callout p {
  margin: 0;
  font-size: 0.82rem;
  font-weight: 600;
  line-height: 1.55;
}

.facts-callout a {
  color: inherit;
  font-weight: 800;
}

.fact-list {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--surface);
}

.fact-list article {
  display: grid;
  grid-template-columns: 70px 1fr;
  gap: 20px;
  padding: 27px 30px;
  border-bottom: 1px solid var(--line);
}

.fact-list article:last-child {
  border-bottom: 0;
}

.fact-list article > span {
  align-self: start;
  padding: 5px 9px;
  border-radius: 999px;
  background: #e5e9ef;
  color: #536171;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-align: center;
  text-transform: uppercase;
}

.fact-list h3 {
  margin-bottom: 8px;
}

.fact-list p {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 0.88rem;
  line-height: 1.6;
}

.fact-list strong {
  color: var(--blue);
}

.faq {
  background: var(--surface);
}

.faq-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.55fr) minmax(0, 1fr);
  align-items: start;
  gap: clamp(50px, 8vw, 100px);
}

.faq-intro {
  position: sticky;
  top: 120px;
}

.faq-intro > p:not(.eyebrow) {
  color: var(--muted);
}

.phone-panel {
  display: flex;
  flex-direction: column;
  margin-top: 28px;
  padding: 20px 22px;
  border: 1px solid #d4deec;
  border-radius: 15px;
  background: var(--white);
  color: var(--navy);
  text-decoration: none;
  transition: border-color 0.18s ease, box-shadow 0.18s ease;
}

.phone-panel:hover {
  border-color: var(--blue);
  box-shadow: var(--shadow-sm);
  color: var(--navy);
}

.phone-panel span {
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 700;
}

.phone-panel strong {
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 1.35rem;
}

.faq-list {
  border-top: 1px solid #ced6df;
}

.faq-list details {
  border-bottom: 1px solid #ced6df;
}

.faq-list summary {
  position: relative;
  padding: 24px 52px 24px 0;
  color: var(--navy);
  cursor: pointer;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 1.08rem;
  font-weight: 800;
  line-height: 1.4;
  list-style: none;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-list summary::after {
  position: absolute;
  top: 50%;
  right: 3px;
  display: grid;
  width: 34px;
  height: 34px;
  place-items: center;
  border-radius: 50%;
  background: var(--white);
  color: var(--blue);
  content: "+";
  font-size: 1.3rem;
  line-height: 1;
  transform: translateY(-50%);
}

.faq-list details[open] summary::after {
  content: "−";
}

.faq-list details p {
  max-width: 680px;
  margin: -5px 52px 25px 0;
  color: var(--muted);
  font-size: 0.92rem;
}

.consumer-resource {
  margin: 22px 0 0;
  color: var(--muted);
  font-size: 0.82rem;
}

.consumer-resource a {
  font-weight: 800;
}

.final-cta {
  position: relative;
  overflow: hidden;
  padding: 78px 0;
  background: linear-gradient(120deg, var(--navy-deep), var(--navy-brand));
  color: var(--white);
}

.final-cta::after {
  position: absolute;
  right: -100px;
  bottom: -230px;
  width: 540px;
  height: 420px;
  border: 70px solid rgba(255, 255, 255, 0.035);
  border-radius: 50%;
  content: "";
  transform: rotate(-15deg);
}

.final-cta-inner {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 50px;
}

.final-cta h2 {
  max-width: 700px;
  margin-bottom: 12px;
  color: var(--white);
}

.final-cta .eyebrow-gold {
  color: var(--gold);
}

.final-cta .gold-button:focus-visible {
  outline-color: var(--white);
}

.final-cta p:not(.eyebrow) {
  margin-bottom: 0;
  color: rgba(255, 255, 255, 0.74);
}

.gold-button {
  min-width: 230px;
  flex: 0 0 auto;
}

.site-footer {
  padding: 68px 0 28px;
  background: #081b31;
  color: rgba(255, 255, 255, 0.72);
}

.footer-top {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr 0.8fr;
  gap: 65px;
  padding-bottom: 45px;
}

.footer-brand img {
  width: 142px;
  height: auto;
  margin-bottom: 18px;
}

.footer-brand p {
  max-width: 300px;
  color: rgba(255, 255, 255, 0.58);
}

.footer-contact,
.footer-links {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.site-footer h2 {
  margin-bottom: 16px;
  color: var(--white);
  font-size: 0.82rem;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

.site-footer a {
  margin-bottom: 8px;
  color: rgba(255, 255, 255, 0.75);
  font-weight: 600;
  text-decoration: none;
}

.site-footer a:hover {
  color: var(--gold);
}

.site-footer address {
  margin-top: 8px;
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.8rem;
  font-style: normal;
}

.footer-legal {
  display: grid;
  grid-template-columns: 130px 1fr;
  gap: 34px;
  padding-top: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.equal-housing {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  color: rgba(255, 255, 255, 0.74);
  font-size: 0.61rem;
  font-weight: 800;
  line-height: 1.25;
  text-transform: uppercase;
}

.legal-copy p {
  margin-bottom: 8px;
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.72rem;
  line-height: 1.55;
}

.mobile-action-bar {
  display: none;
}

@media (max-width: 1040px) {
  .hero-grid {
    grid-template-columns: minmax(0, 0.9fr) minmax(390px, 0.82fr);
    gap: 40px;
  }

  .possibility-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .possibility-card {
    min-height: 250px;
  }
}

@media (max-width: 880px) {
  .section {
    padding: 82px 0;
  }

  .header-support-copy {
    display: none;
  }

  .hero {
    padding-top: 126px;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 18px;
  }

  .hero-copy {
    max-width: 730px;
    padding-bottom: 25px;
  }

  .form-card {
    width: min(100%, 650px);
    min-height: auto;
    margin-inline: auto;
  }

  .hero-disclaimer p {
    max-width: 650px;
    margin: 18px auto 0;
  }

  .proof-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .proof-item:nth-child(2) {
    border-right: 0;
  }

  .proof-item:nth-child(-n + 2) {
    border-bottom: 1px solid var(--line);
  }

  .process-grid,
  .facts-grid,
  .faq-layout {
    grid-template-columns: 1fr;
    gap: 44px;
  }

  .process-copy,
  .faq-intro {
    position: static;
  }

  .process-copy > p:not(.eyebrow),
  .faq-intro > p:not(.eyebrow) {
    max-width: 680px;
  }

  .phone-panel {
    max-width: 380px;
  }

  .final-cta-inner {
    align-items: flex-start;
    flex-direction: column;
    gap: 25px;
  }

  .footer-top {
    grid-template-columns: 1.2fr 1fr 1fr;
    gap: 34px;
  }
}

@media (max-width: 640px) {
  html {
    scroll-padding-top: 78px;
  }

  body {
    padding-bottom: calc(67px + env(safe-area-inset-bottom));
    font-size: 17px;
  }

  .container {
    width: min(calc(100% - 28px), var(--container));
  }

  .section {
    padding: 66px 0;
  }

  .site-header {
    position: absolute;
  }

  .header-inner {
    min-height: 78px;
  }

  .brand img {
    width: 92px;
    height: 58px;
  }

  .phone-link {
    width: 48px;
    min-height: 48px;
    justify-content: center;
    padding: 0;
  }

  .phone-link span {
    position: absolute;
    width: 1px;
    height: 1px;
    overflow: hidden;
    clip: rect(0 0 0 0);
    clip-path: inset(50%);
  }

  .hero {
    padding: 108px 0 26px;
  }

  .hero-copy {
    padding: 25px 0 18px;
  }

  h1 {
    margin-bottom: 20px;
    font-size: clamp(2.25rem, 11vw, 3.3rem);
  }

  h2 {
    font-size: clamp(1.85rem, 9vw, 2.55rem);
  }

  .eyebrow {
    font-size: 0.73rem;
  }

  .hero-lede {
    font-size: 1.02rem;
  }

  .hero-benefits {
    gap: 12px;
  }

  .hero-benefits li {
    font-size: 0.92rem;
  }

  .hero-assurance {
    gap: 10px 16px;
  }

  .form-card {
    min-height: 0;
    padding: 24px 19px;
    border-radius: 22px;
  }

  .form-card-header {
    align-items: center;
  }

  .time-badge {
    padding: 0 9px;
  }

  .field-grid {
    grid-template-columns: 1fr;
    gap: 0;
  }

  .choice-card span {
    min-height: 55px;
    font-size: 0.84rem;
  }

  .choice-grid-three {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .choice-grid-three .choice-card:last-child {
    grid-column: 1 / -1;
  }

  .form-actions {
    grid-template-columns: 82px 1fr;
  }

  .form-back,
  .form-primary {
    min-height: 55px;
  }

  .proof-item {
    min-height: 105px;
    padding: 16px 10px;
  }

  .proof-item > strong {
    font-size: 1.16rem;
  }

  .proof-nmls {
    gap: 7px;
  }

  .proof-nmls svg {
    width: 22px;
  }

  .proof-nmls strong {
    font-size: 0.72rem;
  }

  .proof-item > span {
    font-size: 0.67rem;
  }

  .possibility-grid {
    grid-template-columns: 1fr;
  }

  .possibility-card {
    min-height: 0;
  }

  .process-list li {
    grid-template-columns: 50px 1fr;
    gap: 16px;
    padding: 22px 18px;
  }

  .step-number {
    width: 46px;
    height: 46px;
    font-size: 0.76rem;
  }

  .fact-list article {
    grid-template-columns: 1fr;
    gap: 12px;
    padding: 23px 20px;
  }

  .fact-list article > span {
    width: max-content;
  }

  .faq-list summary {
    padding: 21px 46px 21px 0;
    font-size: 1rem;
  }

  .faq-list details p {
    margin-right: 10px;
  }

  .final-cta {
    padding: 65px 0;
  }

  .gold-button {
    width: 100%;
  }

  .footer-top {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .footer-legal {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .mobile-action-bar {
    position: fixed;
    inset: auto 0 0;
    z-index: 30;
    display: grid;
    grid-template-columns: 92px 1fr;
    gap: 8px;
    padding: 9px max(12px, env(safe-area-inset-right)) calc(9px + env(safe-area-inset-bottom)) max(12px, env(safe-area-inset-left));
    border-top: 1px solid rgba(20, 47, 87, 0.12);
    background: rgba(255, 255, 255, 0.96);
    box-shadow: 0 -8px 25px rgba(10, 33, 58, 0.11);
    backdrop-filter: blur(12px);
  }

  .mobile-action-bar a {
    display: flex;
    min-height: 49px;
    align-items: center;
    justify-content: center;
    gap: 6px;
    border-radius: 999px;
    color: var(--navy);
    font-family: "Plus Jakarta Sans", sans-serif;
    font-size: 0.82rem;
    font-weight: 800;
    text-decoration: none;
  }

  .mobile-action-bar a:first-child {
    border: 1px solid #c9d3de;
  }

  .mobile-action-bar a:last-child {
    background: var(--gold);
  }
}

@media (max-width: 390px) {
  .choice-grid-two,
  .choice-grid-three {
    grid-template-columns: 1fr;
  }

  .choice-grid-three .choice-card:last-child {
    grid-column: auto;
  }

  .choice-card-wide {
    grid-column: auto;
  }

  .form-actions {
    grid-template-columns: 1fr;
  }

  .form-back {
    margin-top: 22px;
  }

  .form-primary {
    margin-top: 8px;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}

@media print {
  .site-header,
  .mobile-action-bar,
  .form-card,
  .final-cta {
    display: none !important;
  }

  .hero {
    padding: 30px 0;
    background: var(--white);
    color: var(--ink);
  }

  .hero h1,
  .hero p,
  .hero li {
    color: var(--ink) !important;
  }
}