:root{--navy:#10263f;--navy-2:#173653;--copper:#b97845;--cream:#f6f1ea;--paper:#fff;--ink:#17212c;--muted:#66717d;--line:#dce0e3;--serif:"Newsreader",Georgia,serif;--sans:"DM Sans",Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font:16px/1.6 var(--sans)}body.modal-open{overflow:hidden}button,input,select{font:inherit}button,a{-webkit-tap-highlight-color:transparent}a{color:inherit;text-decoration:none}.skip-link{position:fixed;left:1rem;top:-4rem;z-index:100;background:white;padding:.75rem 1rem}.skip-link:focus{top:1rem}.demo-ribbon{height:29px;display:grid;place-items:center;background:#08192b;color:#bcc9d5;font-size:.7rem;letter-spacing:.07em;text-transform:uppercase}.site-header{height:84px;padding:0 clamp(1.2rem,5vw,5.5rem);display:flex;align-items:center;gap:2.5rem;background:white;border-bottom:1px solid #e7e8e9;position:relative;z-index:20}.brand{display:flex;align-items:center;gap:.8rem}.brand-monogram{width:43px;height:43px;display:grid;place-items:center;border:1px solid var(--copper);color:var(--navy);font:600 1rem var(--serif);letter-spacing:.06em}.brand-name{font:600 1.05rem var(--serif);color:var(--navy);white-space:nowrap}.brand-name small{display:block;color:#7a838d;font:600 .58rem var(--sans);letter-spacing:.14em;text-transform:uppercase}.site-header nav{margin-left:auto;display:flex;gap:2rem;font-size:.82rem;font-weight:600}.site-header nav a:hover,.site-header nav a:focus-visible{color:var(--copper)}.button{min-height:50px;padding:0 1.15rem;display:inline-flex;align-items:center;justify-content:center;gap:2.2rem;border:0;background:var(--copper);color:white;cursor:pointer;font-size:.76rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase}.button:hover,.button:focus-visible{background:#a9693b}.button-small{min-height:44px;gap:.5rem}.menu-button{display:none;margin-left:auto;background:transparent;border:0;width:42px;height:42px}.menu-button span{display:block;width:23px;height:2px;margin:6px auto;background:var(--navy)}
.hero{height:min(800px,calc(100vh - 113px));min-height:680px;position:relative;overflow:hidden;display:flex;align-items:center;color:white}.hero>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,30,49,.97) 0%,rgba(10,30,49,.84) 38%,rgba(10,30,49,.18) 68%,rgba(10,30,49,.02) 100%),linear-gradient(0deg,rgba(8,24,40,.44),transparent 45%)}.hero-copy{position:relative;z-index:2;width:min(720px,90%);margin-left:clamp(1.2rem,7vw,8rem)}.kicker{display:flex;align-items:center;gap:.7rem;margin:0 0 1rem;color:#c9d3dd;font-size:.72rem;font-weight:700;letter-spacing:.17em;text-transform:uppercase}.kicker span{width:31px;height:1px;background:var(--copper)}.kicker.dark{color:#6b747e}.kicker.light{color:#c0ccd8}.hero h1,.section h2,.calculator-section h2,.journey h2,.resource-band h2,.final-cta h2{font:500 clamp(3.5rem,6.7vw,6.7rem)/.96 var(--serif);letter-spacing:-.035em}.hero h1{margin:1rem 0 1.3rem}.hero h1 em,.final-cta h2 em{color:#d49a6f;font-style:italic}.hero-copy>p:not(.kicker){max-width:580px;color:#d6dde4;font-size:1.06rem}.hero-actions{display:flex;align-items:center;gap:1.6rem;margin:2rem 0 2.5rem}.text-button{padding:.4rem 0;border:0;border-bottom:1px solid rgba(255,255,255,.65);background:transparent;color:white;cursor:pointer;font-size:.86rem;font-weight:600}.identity-line{display:flex;align-items:center;gap:.8rem;color:#aebdca;font-size:.69rem}.identity-line strong{display:block;color:white;font-size:.84rem}.mini-avatar{width:38px;height:38px;display:grid;place-items:center;border-radius:50%;background:#e7d2bf;color:var(--navy);font:600 .8rem var(--serif)}.hero-note{position:absolute;right:clamp(1.2rem,5vw,5.5rem);bottom:2.5rem;z-index:2;width:290px;padding:1.25rem;display:grid;grid-template-columns:34px 1fr;gap:.8rem;background:rgba(255,255,255,.94);color:var(--ink)}.hero-note>span{color:var(--copper);font:600 .8rem var(--serif)}.hero-note p{margin:0;font-size:.74rem;color:#6a747f}.hero-note strong{display:block;margin-bottom:.3rem;color:var(--navy);font-size:.88rem}.trust-bar{padding:1.6rem clamp(1.2rem,7vw,8rem);display:grid;grid-template-columns:repeat(4,1fr);background:var(--cream)}.trust-bar div{display:flex;align-items:center;justify-content:center;gap:1rem;border-right:1px solid #d9d2c9}.trust-bar div:last-child{border:0}.trust-bar strong{font:600 1.65rem var(--serif);color:var(--navy)}.trust-bar span{color:#737a82;font-size:.68rem;line-height:1.35;text-transform:uppercase;letter-spacing:.06em}
.section{padding:7.5rem clamp(1.2rem,7vw,8rem)}.section-intro{display:grid;grid-template-columns:1.2fr .7fr;align-items:end;gap:5rem;margin-bottom:3.5rem}.section-intro h2,.reviews-heading h2,.about-copy h2{margin:0;color:var(--navy)}.section-intro>p{color:var(--muted)}.loan-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}.loan-grid article{min-height:330px;padding:1.7rem;position:relative;display:flex;flex-direction:column;border-right:1px solid var(--line);border-bottom:1px solid var(--line);transition:background .2s,color .2s}.loan-grid article:hover{background:#f9f6f1}.loan-grid article.accent{background:var(--navy);color:white}.loan-number{position:absolute;right:1.2rem;top:1rem;color:#9aa2a9;font:500 .7rem var(--serif)}.loan-icon{width:46px;height:46px;display:grid;place-items:center;margin-bottom:2rem;border:1px solid #d7dadd;color:var(--copper);font:500 1rem var(--serif)}.accent .loan-icon{border-color:#6e7f90}.loan-grid h3{margin:0 0 .75rem;font:600 1.65rem var(--serif);color:var(--navy)}.loan-grid .accent h3{color:white}.loan-grid p{margin:0 0 1.5rem;color:#68727d;font-size:.88rem}.loan-grid .accent p{color:#b8c3ce}.learn-loan{margin-top:auto;padding:0;border:0;background:transparent;color:var(--navy);text-align:left;cursor:pointer;font-size:.75rem;font-weight:700}.accent .learn-loan{color:#dba982}.program-note{margin:1.2rem 0 0;color:#838b93;font-size:.7rem}
.calculator-section{padding:7.5rem clamp(1.2rem,7vw,8rem);display:grid;grid-template-columns:.7fr 1.3fr;gap:6vw;background:var(--navy);color:white}.calculator-copy h2{margin:.8rem 0 1.4rem;font-size:clamp(3.2rem,5.6vw,5.8rem)}.calculator-copy>p:not(.kicker){color:#bac6d1}.calculation-note{margin-top:2rem;padding-top:1.2rem;display:grid;grid-template-columns:28px 1fr;gap:.8rem;border-top:1px solid #38506a;color:#aebbc7;font-size:.73rem}.calculation-note span{width:24px;height:24px;display:grid;place-items:center;border:1px solid #61758a;border-radius:50%;font-family:var(--serif)}.calculation-note p{margin:0}.calculator-card{display:grid;grid-template-columns:1fr 1fr;background:white;color:var(--ink);box-shadow:0 28px 70px rgba(0,0,0,.18)}.calc-inputs{padding:2rem}.calc-inputs label{display:block;margin-bottom:1.2rem;color:#606a74;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em}.calc-inputs label>span{display:block;margin-bottom:.35rem}.money-input,.percent-input{height:52px;display:flex;align-items:center;border:1px solid var(--line);background:#fff}.money-input b{padding-left:1rem;color:#7d858d}.money-input input,.percent-input input{min-width:0;width:100%;height:100%;padding:.8rem;border:0;outline:0;color:var(--navy);font-size:1rem;font-weight:600}.percent-input b{padding-right:1rem;color:#7d858d}.split-input{display:grid;grid-template-columns:1fr 96px;gap:.5rem}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:.7rem}.calc-inputs select,.form-fields select{width:100%;height:52px;padding:0 .8rem;border:1px solid var(--line);background:white;color:var(--navy);outline:0}.estimate-button{width:100%;height:50px;background:#eef1f3;border:0;color:var(--navy);cursor:pointer;font-weight:700}.calc-result{padding:2rem;display:flex;flex-direction:column;background:#f6f1ea}.calc-result>p:first-child{margin:0;color:#6a747d;font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em}.calc-result>strong{margin:.6rem 0;font:600 clamp(3rem,5vw,4.5rem)/1 var(--serif);color:var(--navy)}.calc-result>span{color:#7d858e;font-size:.7rem;line-height:1.4}.payment-lines{margin:1.5rem 0;border-top:1px solid #d8d2ca}.payment-lines div{padding:.55rem 0;display:flex;justify-content:space-between;border-bottom:1px solid #d8d2ca;color:#69727b;font-size:.75rem}.payment-lines strong{color:var(--ink)}.calc-disclaimer{margin:auto 0 1rem;color:#7d858d;font-size:.67rem}.light-button{width:100%;background:var(--navy)}.light-button:hover{background:var(--navy-2)}
.reviews{background:#fbfaf8}.reviews-heading{max-width:750px;margin-bottom:3rem}.reviews-heading>p:last-child{color:var(--muted)}.review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.review-grid article{min-height:390px;padding:2rem;display:flex;flex-direction:column;border:1px solid var(--line);background:white}.review-grid article.review-featured{border-top:3px solid var(--copper)}.stars{color:#b97845;letter-spacing:.12em;font-size:.75rem}.review-grid blockquote{margin:2rem 0;font:500 1.45rem/1.38 var(--serif);color:var(--navy)}.review-grid footer{margin-top:auto;display:flex;align-items:center;gap:.8rem}.review-avatar{width:38px;height:38px;display:grid;place-items:center;border-radius:50%;background:var(--cream);color:var(--navy);font:600 .75rem var(--serif)}.review-grid footer span:last-child{color:#69737d;font-size:.68rem}.review-grid footer strong{display:block;color:var(--ink);font-size:.8rem}.review-grid article>small{display:block;margin-top:1.2rem;padding-top:.9rem;border-top:1px solid var(--line);color:#92989e;font-size:.6rem;line-height:1.45}.review-ethics{margin-top:1rem;padding:1.2rem 1.5rem;display:grid;grid-template-columns:190px 1fr;gap:1rem;background:#eef2f5;color:#64707a;font-size:.75rem}.review-ethics strong{color:var(--navy)}.review-ethics p{margin:0}
.journey{padding:7.5rem clamp(1.2rem,7vw,8rem);display:grid;grid-template-columns:.75fr 1.25fr;gap:7vw;background:var(--navy);color:white}.journey-intro h2{margin:.8rem 0}.journey-steps article{padding:1.4rem 0;display:grid;grid-template-columns:60px 1fr;gap:1rem;border-bottom:1px solid #38506a}.journey-steps article>span{color:#d39a70;font:500 .9rem var(--serif)}.journey-steps h3{margin:0 0 .25rem;font:600 1.25rem var(--serif)}.journey-steps p{margin:0;color:#aebac5;font-size:.82rem}.about{display:grid;grid-template-columns:.75fr 1.25fr;gap:7vw;align-items:center}.about-card{min-height:510px;padding:2.5rem;display:flex;flex-direction:column;justify-content:space-between;background:linear-gradient(145deg,#e4d4c4,#f6f1ea);color:var(--navy)}.about-monogram{width:78px;height:78px;display:grid;place-items:center;border:1px solid #bca187;font:500 1.5rem var(--serif)}.about-card p{font:500 clamp(2.1rem,4vw,3.8rem)/1.08 var(--serif)}.about-copy>p:not(.kicker){color:var(--muted)}.about-details{margin:1.5rem 0;display:grid;grid-template-columns:1fr 1fr;gap:1rem}.about-details div{padding-top:.8rem;border-top:1px solid var(--line);font-size:.78rem}.about-details strong{display:block;color:var(--navy)}.about-details span{color:#6d7680}.dark-link{color:var(--navy);border-color:var(--navy)}
.resource-band{padding:6rem clamp(1.2rem,7vw,8rem);display:grid;grid-template-columns:.8fr 1.2fr;gap:7vw;background:#b97845;color:white}.resource-band h2{margin:.6rem 0;font-size:clamp(3rem,5vw,5.2rem)}.resource-links button{width:100%;padding:1.2rem 0;display:grid;grid-template-columns:45px 1fr 30px;align-items:center;border:0;border-bottom:1px solid rgba(255,255,255,.35);background:transparent;color:white;text-align:left;cursor:pointer;font-weight:600}.resource-links button span{font:500 .75rem var(--serif)}.resource-links button b{text-align:right}.final-cta{padding:8rem 1.2rem;text-align:center;background:var(--cream)}.final-cta .kicker{justify-content:center;color:#6e777f}.final-cta h2{margin:.8rem 0;color:var(--navy)}.final-cta p:not(.kicker){max-width:600px;margin:0 auto 2rem;color:var(--muted)}
.site-footer{padding:4rem clamp(1.2rem,7vw,8rem) 1.5rem;background:#091b2e;color:#aebac5;font-size:.75rem}.footer-main{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:3rem;padding-bottom:2.5rem}.footer-brand .brand-monogram{color:white}.footer-brand .brand-name{color:white}.footer-main>div{display:flex;flex-direction:column;gap:.35rem}.footer-main strong{margin-bottom:.4rem;color:white}.footer-main a:hover{color:#d6a27d}.footer-disclosure{padding:1.5rem 0;display:grid;grid-template-columns:55px 1fr;gap:1rem;border-top:1px solid #314357;border-bottom:1px solid #314357}.footer-disclosure p{margin:0;font-size:.68rem}.eho{color:white;font:600 1rem var(--serif)}.footer-bottom{padding-top:1.2rem;display:flex;justify-content:space-between;color:#748395;font-size:.67rem}.footer-bottom span:last-child{display:flex;gap:1.2rem}
.modal[hidden]{display:none}.modal{position:fixed;inset:0;z-index:60;display:grid;place-items:center;padding:1rem}.modal-backdrop{position:absolute;inset:0;background:rgba(4,18,31,.83);backdrop-filter:blur(7px)}.modal-card{position:relative;z-index:2;width:min(610px,100%);max-height:94vh;overflow-y:auto;padding:clamp(1.5rem,4vw,2.7rem);background:white;box-shadow:0 30px 100px rgba(0,0,0,.35)}.modal-close{position:absolute;right:1rem;top:.8rem;border:0;background:transparent;color:#6c7680;cursor:pointer;font-size:1.7rem}.modal-progress{display:grid;grid-template-columns:repeat(3,1fr);gap:.35rem;margin-right:2.5rem}.modal-progress span{height:3px;background:#e4e6e7}.modal-progress span.active{background:var(--copper)}.modal-kicker{margin:1.5rem 0 .35rem;color:var(--copper);font-size:.68rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase}.modal-card h2{margin:0 0 .5rem;color:var(--navy);font:600 clamp(2.2rem,5vw,3.4rem)/1.02 var(--serif)}.modal-card h2+p{margin:0 0 1.5rem;color:var(--muted);font-size:.85rem}.form-step{display:none}.form-step.active{display:block}.goal-grid{display:grid;grid-template-columns:1fr 1fr;gap:.7rem;margin:1.5rem 0}.goal-grid input,.date-grid input,.time-grid input{position:absolute;opacity:0;pointer-events:none}.goal-grid label>span{min-height:120px;padding:1rem;display:flex;flex-direction:column;border:1px solid var(--line);cursor:pointer}.goal-grid b{width:30px;height:30px;display:grid;place-items:center;margin-bottom:.7rem;border:1px solid #c9ced2;color:var(--copper);font-family:var(--serif)}.goal-grid small{color:#7d858d}.goal-grid input:checked+span,.date-grid input:checked+span,.time-grid input:checked+span{border-color:var(--copper);box-shadow:inset 0 0 0 1px var(--copper);background:#fcf8f4}.form-step>.button{width:100%}.form-fields{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin:1.4rem 0}.form-fields label{color:#69737d;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em}.form-fields label>span{display:block;margin-bottom:.3rem}.form-fields input{width:100%;height:50px;padding:0 .8rem;border:1px solid var(--line);outline:0}.form-fields input:focus,.form-fields select:focus{border-color:var(--copper)}.modal-actions{display:grid;grid-template-columns:110px 1fr;gap:.6rem;margin-top:1.3rem}.back-button{border:1px solid var(--line);background:white;color:var(--navy);cursor:pointer;font-weight:700}.date-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.5rem}.date-grid label>span{height:75px;display:flex;flex-direction:column;align-items:center;justify-content:center;border:1px solid var(--line);cursor:pointer}.date-grid small{color:#7c858d;text-transform:uppercase}.date-grid strong{font:600 1.2rem var(--serif)}.time-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:.5rem;margin-top:.6rem}.time-grid label>span{height:45px;display:grid;place-items:center;border:1px solid var(--line);cursor:pointer;font-size:.75rem;font-weight:700}.consent-note{display:block;margin-top:1rem;color:#899098;font-size:.62rem}.form-success{text-align:center}.success-icon{width:66px;height:66px;margin:1rem auto;display:grid;place-items:center;border-radius:50%;background:#edf7f1;color:#29925c;font-size:1.5rem}.form-success .modal-kicker{margin-top:0}.success-summary{margin:1.4rem 0;padding:1rem;background:#f5f6f7;color:#63707b;font-size:.8rem}.form-success>.button{width:100%}
@media(max-width:1000px){.site-header nav,.site-header>.button{display:none}.menu-button{display:block}.site-header.open nav{position:absolute;left:0;right:0;top:84px;padding:1.2rem;display:flex;flex-direction:column;background:white;border-top:1px solid var(--line)}.hero-note{display:none}.section-intro,.calculator-section,.journey,.about,.resource-band{grid-template-columns:1fr}.loan-grid{grid-template-columns:repeat(2,1fr)}.review-grid{grid-template-columns:1fr}.review-grid article{min-height:auto}.calculator-card{max-width:760px}.footer-main{grid-template-columns:1fr 1fr}.trust-bar{grid-template-columns:1fr 1fr;gap:1rem}.trust-bar div:nth-child(2){border-right:0}}@media(max-width:680px){.demo-ribbon{height:auto;min-height:29px;padding:.35rem .8rem;text-align:center;font-size:.58rem}.site-header{height:72px}.site-header.open nav{top:72px}.brand-monogram{width:38px;height:38px}.hero{height:calc(100svh - 101px);min-height:660px;align-items:flex-end}.hero>img{object-position:62% center}.hero-overlay{background:linear-gradient(0deg,rgba(8,26,44,.98) 10%,rgba(8,26,44,.55) 65%,rgba(8,26,44,.12) 100%)}.hero-copy{margin:0 1.2rem;padding-bottom:2.7rem;width:auto}.hero h1{font-size:clamp(3.3rem,16vw,5.1rem)}.hero-copy>p:not(.kicker){font-size:.94rem}.hero-actions{align-items:flex-start;flex-direction:column;gap:1rem;margin:1.5rem 0}.identity-line{display:none}.trust-bar{padding:1.3rem;gap:1.2rem}.trust-bar div{justify-content:flex-start}.section,.calculator-section,.journey,.about,.resource-band{padding-top:5rem;padding-bottom:5rem}.section-intro{gap:1rem}.section-intro>p{margin-top:0}.section h2,.calculator-section h2,.journey h2,.resource-band h2,.final-cta h2{font-size:clamp(3rem,14vw,4.5rem)}.loan-grid{grid-template-columns:1fr}.loan-grid article{min-height:285px}.calculator-card{grid-template-columns:1fr}.calc-result{min-height:450px}.review-ethics{grid-template-columns:1fr}.about-card{min-height:370px}.about-details{grid-template-columns:1fr}.footer-main{grid-template-columns:1fr}.footer-bottom{flex-direction:column;gap:.7rem}.goal-grid,.form-fields{grid-template-columns:1fr}.date-grid{grid-template-columns:repeat(3,1fr)}.time-grid{grid-template-columns:repeat(2,1fr)}.modal-card{padding:1.5rem}.modal-actions{grid-template-columns:90px 1fr}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition-duration:.01ms!important;animation-duration:.01ms!important}}
