:root{
  --accent:#0F766E;
  --accent-dark:#0B4A46;
  --ink:#16202a;
  --muted:#43525f;
  --bg:#ffffff;
  --bg-alt:#f5f8fa;
  --card:#ffffff;
  --line:#e4e9ee;
  --radius:12px;
  --shadow:0 1px 3px rgba(16,32,45,.06),0 6px 20px rgba(16,32,45,.06);
  --shadow-lg:0 14px 40px rgba(16,32,45,.16);
  --font:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;
  --maxw:1120px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
img{max-width:100%;display:block}
a{color:var(--accent-dark)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--accent-dark);color:#fff;padding:10px 16px;border-radius:0 0 8px 0;z-index:200}
.skip-link:focus{left:0}


.site-header{background:#fff;border-bottom:3px solid var(--accent);position:sticky;top:0;z-index:60;box-shadow:0 1px 10px rgba(0,0,0,.06)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 22px;flex-wrap:wrap;gap:12px}
.brand{font-weight:800;font-size:1.22rem;color:var(--ink);text-decoration:none;letter-spacing:-.01em}
.brand span{color:var(--accent-dark)}
.site-header nav{display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.nav-links{display:flex;gap:20px;margin-right:8px}
.nav-links a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem}
.nav-links a:hover{color:var(--accent-dark)}


.btn{display:inline-block;font-weight:700;text-decoration:none;border-radius:8px;padding:13px 24px;font-size:1rem;line-height:1;transition:transform .05s ease,box-shadow .15s ease;cursor:pointer;border:0}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--accent-dark);color:#fff}
.btn-primary:hover{box-shadow:0 6px 18px rgba(0,0,0,.18)}
.btn-ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.75)}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-secondary{background:#fff;color:var(--accent-dark)}
.btn-secondary:hover{box-shadow:0 8px 22px rgba(0,0,0,.22)}


.hero{background:linear-gradient(120deg,var(--accent-dark) 0%,var(--accent) 100%);color:#fff;padding:64px 0}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.hero-copy h1{font-size:2.35rem;line-height:1.15;letter-spacing:-.02em;margin-bottom:16px}
.hero-copy .sub{font-size:1.12rem;opacity:.95;max-width:560px;margin-bottom:26px}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:26px}
.trust-row{display:flex;gap:10px;flex-wrap:wrap}
.trust-row span{background:rgba(0,0,0,.18);border:1px solid rgba(255,255,255,.38);border-radius:999px;padding:7px 15px;font-size:.86rem;font-weight:600}
.hero-media img{width:100%;border-radius:var(--radius);box-shadow:var(--shadow-lg);aspect-ratio:16/9;object-fit:cover}


.local-intro{background:var(--bg-alt);padding:48px 0}
.local-intro .lead{max-width:68ch;margin:0 auto;font-size:1.12rem;color:var(--ink);text-align:left}


section{padding:60px 0}
.section-head{max-width:720px;margin:0 auto 36px;text-align:center}
.eyebrow{display:inline-block;font-size:.84rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-dark);margin-bottom:10px}
.section-head h2{font-size:1.9rem;letter-spacing:-.02em;color:var(--ink);margin-bottom:10px}
.section-head p{color:var(--muted);font-size:1.05rem}


.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:transform .15s ease,box-shadow .15s ease}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.card-img{width:100%;aspect-ratio:3/2;object-fit:cover}
.card-body{padding:22px}
.card-body h3{font-size:1.15rem;color:var(--ink);margin-bottom:8px}
.card-body p{color:var(--muted);font-size:1rem;line-height:1.6}


.areas{background:var(--accent-dark);color:#fff}
.areas .section-head h2,.areas .eyebrow{color:#fff}
.areas .eyebrow{opacity:.85}
.area-list{list-style:none;display:flex;flex-wrap:wrap;gap:12px;justify-content:center;max-width:820px;margin:0 auto}
.area-list li{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:9px 18px;font-size:.95rem}
.area-list li strong{font-weight:800}


.faq details{background:var(--bg-alt);border:1px solid var(--line);border-radius:10px;margin-bottom:12px;padding:16px 20px}
.faq summary{font-weight:700;cursor:pointer;color:var(--ink);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"+";color:var(--accent-dark);font-weight:800;margin-right:10px}
.faq details[open] summary::before{content:"–"}
.faq details p{margin-top:12px;color:var(--muted);font-size:1rem;line-height:1.62}


.cta-band{background:var(--accent-dark);color:#fff;text-align:center;padding:60px 0}
.cta-band h2{font-size:1.95rem;margin-bottom:12px;letter-spacing:-.02em}
.cta-band p{opacity:.92;max-width:560px;margin:0 auto 26px;font-size:1.05rem}


.site-footer{background:#12202e;color:#c3ced8;padding:40px 0;font-size:.94rem}
.site-footer .wrap p{margin-bottom:8px}
.site-footer a{color:#9ec7dd}
.site-footer .fine{opacity:.85;font-size:.88rem;margin-top:12px}


form{max-width:580px}
form label{display:block;font-weight:600;color:var(--ink);margin:18px 0 0}
form input,form textarea{display:block;width:100%;margin-top:7px;padding:12px 14px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink);font-family:inherit;font-size:1rem;font-weight:400}
form input:focus,form textarea:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(0,0,0,.07)}
form textarea{min-height:130px;resize:vertical}
.casl{font-size:.82rem;color:var(--muted);margin:16px 0 4px;line-height:1.55}
form button[type=submit]{margin-top:18px}


.mobile-callbar{display:none}

@media(max-width:820px){
  .hero-grid{grid-template-columns:1fr;gap:28px}
  .hero-media{order:-1}
  .hero-copy h1{font-size:1.85rem}
  .nav-toggle{display:block;order:3}
  .nav-links{display:none;flex-direction:column;gap:0;width:100%;order:4;
    border-top:1px solid var(--line);margin-top:10px;padding-top:6px}
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 2px;border-bottom:1px solid var(--line);font-weight:600}
  .nav-links a:last-child{border-bottom:0}
  .site-header .wrap{flex-wrap:wrap}
}
@media(max-width:640px){
  body{padding-bottom:62px}
  .mobile-callbar{display:block;position:fixed;left:0;right:0;bottom:0;z-index:120;background:var(--accent-dark);color:#fff;text-align:center;font-weight:800;padding:16px;text-decoration:none;font-size:1.05rem;box-shadow:0 -2px 12px rgba(0,0,0,.18)}
  .hero{padding:44px 0}
  section{padding:44px 0}
}

.brand-icon{width:22px;height:22px;vertical-align:-5px;margin-right:6px;color:var(--accent);}


.consent-bar{position:fixed;left:0;right:0;bottom:0;z-index:200;background:#12202e;color:#e7edf2;
  padding:16px 20px;display:flex;gap:16px;align-items:center;justify-content:center;flex-wrap:wrap;
  box-shadow:0 -2px 16px rgba(0,0,0,.28);font-size:.95rem;line-height:1.5}
.consent-bar p{margin:0;max-width:60ch}
.consent-bar a{color:#9ec7dd;text-decoration:underline}
.consent-actions{display:flex;gap:10px;flex-shrink:0}
.consent-bar .btn{padding:9px 18px;font-size:.92rem}
@media(max-width:640px){.consent-bar{bottom:62px;flex-direction:column;align-items:stretch;text-align:left}
  .consent-actions{justify-content:stretch}.consent-actions .btn{flex:1;text-align:center}}


.nav-toggle{display:none;background:transparent;border:0;cursor:pointer;padding:10px;margin-left:auto}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--ink);margin:5px 0;border-radius:2px}


.hero .btn-primary{background:#fff;color:var(--accent-dark)}
.hero .btn-primary:hover{box-shadow:0 8px 22px rgba(0,0,0,.28)}
.consent-bar .btn-primary{background:#fff;color:var(--accent-dark)}
.consent-bar .btn-secondary{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.85)}
.consent-bar .btn-secondary:hover{background:rgba(255,255,255,.14)}
@media(max-width:820px){.hero-media{order:0}}


.cta-band label{color:#fff}
.cta-band .casl{color:rgba(255,255,255,.88)}
.cta-band .btn-primary{background:#fff;color:var(--accent-dark)}
.cta-band .btn-primary:hover{box-shadow:0 8px 22px rgba(0,0,0,.28)}
.cta-band input,.cta-band textarea{color:var(--ink);background:#fff}
.cta-band input::placeholder,.cta-band textarea::placeholder{color:#5b6875}


.areas a,.cta-band a,.hero a:not(.btn){color:#fff;text-decoration:underline;text-underline-offset:3px}
.areas a:hover,.cta-band a:hover,.hero a:not(.btn):hover{color:#fff;text-decoration:none}
.area-list li a{font-weight:600}
.area-list li strong{color:#fff}


.hero .btn-primary,.cta-band .btn-primary,.areas .btn-primary{background:#fff;color:var(--accent-dark)}
.areas .area-list a{color:#fff;text-decoration:underline;text-underline-offset:3px}
.cta-band p a:not(.btn){color:#fff;text-decoration:underline}
.cta-band form{margin-left:auto;margin-right:auto;text-align:left}
.cta-band form label{color:#fff}
.cta-band form .casl{color:#fff;opacity:.85;max-width:none;text-align:left}
.cta-band form button[type=submit]{display:block;width:100%}
:root{--cta:#F59E0B;--cta-dark:#B45309}
.btn-xl{padding:16px 28px;font-size:1.05rem;border-radius:12px}
.btn-sm{padding:9px 14px;font-size:.9rem}
.btn-light{background:#fff;color:var(--accent-dark)!important;border:2px solid #fff}
.btn-light:hover{background:#f1f5f4}
.btn-primary{background:var(--cta)!important;border-color:var(--cta)!important;color:#1f1300!important;font-weight:800}
.btn-primary:hover{background:#fbbf24!important;border-color:#fbbf24!important}
.center{text-align:center;margin-top:26px}.center-row{justify-content:center}
.hero-lp{position:relative;background:linear-gradient(115deg,rgba(6,46,43,.94) 0%,rgba(11,74,70,.88) 48%,rgba(15,118,110,.72) 100%),url(/assets/images/generated/hero-1408.webp) center/cover no-repeat;padding:56px 0 64px}
.hero-lp .wrap{max-width:1160px}.hero-lp .hero-grid{grid-template-columns:1.05fr .95fr;align-items:start;gap:44px}
.hero-lp h1{font-size:2.6rem;line-height:1.1;letter-spacing:-.03em;margin:6px 0 14px}
.hero-eyebrow{display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:5px 12px;font-size:.82rem;font-weight:700;letter-spacing:.02em}
.hero-checks{list-style:none;margin:18px 0 18px;padding:0}
.hero-checks li{position:relative;padding-left:30px;margin-bottom:9px;font-weight:600}
.hero-checks li:before{content:"";position:absolute;left:0;top:2px;width:20px;height:20px;border-radius:50%;background:var(--cta) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z' fill='%231f1300'/%3E%3C/svg%3E") center/14px no-repeat}
.hero-call a{color:#fff;font-weight:800;text-decoration:underline}
.lf{background:#fff;color:var(--ink);border-radius:16px;box-shadow:0 18px 50px rgba(0,0,0,.28);padding:22px 22px 18px;text-align:left}
.lf-head{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:14px;flex-wrap:wrap}
.lf-head strong{font-size:1.15rem;color:var(--ink)}
.lf-progress{display:none;align-items:center;gap:8px;font-size:.8rem;color:var(--muted)}
.lf.js .lf-progress{display:flex}
.lf-bar{display:inline-block;width:80px;height:6px;border-radius:9px;background:#e5ece9;overflow:hidden}
.lf-bar i{display:block;height:100%;background:var(--accent);transition:width .25s}
.lf form{max-width:none}
.lf fieldset{border:0;margin:0 0 6px;padding:0}
.lf legend{font-weight:800;color:var(--ink);margin-bottom:10px;font-size:1rem}
.lf.js .lf-back,.lf.js .lf-skip{display:inline-block}
.lf-back,.lf-skip{display:none;background:none;border:0;color:var(--muted);font:inherit;font-size:.88rem;cursor:pointer;padding:8px 4px;margin-top:6px}
.lf-skip{float:right;color:var(--accent-dark);font-weight:600}
.chips{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.chip{display:block;margin:0!important;cursor:pointer}
.chip input{position:absolute;opacity:0;width:1px;height:1px}
.chip span{display:block;padding:12px 12px;border:1.5px solid var(--line);border-radius:10px;font-weight:600;font-size:.93rem;color:var(--ink);background:#fff;transition:border-color .15s,background .15s;line-height:1.25}
.chip:hover span{border-color:var(--accent)}
.chip input:checked+span{border-color:var(--accent);background:#e7f4f2;box-shadow:inset 0 0 0 1px var(--accent)}
.chip input:focus-visible+span{outline:3px solid #fbbf24;outline-offset:2px}
.lf label{margin-top:12px}
.lf-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.lf-opt em{font-weight:400;color:var(--muted)}
.lf .btn-xl{display:block;width:100%;margin-top:16px}
.lf-assure{text-align:center;font-size:.86rem;color:var(--muted);margin:10px 0 0}
.lf .casl{font-size:.74rem;margin-top:10px}
.cta-band .lf .casl,.cta-band .lf label{color:var(--muted)}
.trustbar{background:#0b2f2c;color:#d5ebe7;padding:14px 0}
.trustbar .wrap{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 28px;font-weight:700;font-size:.92rem}
.trustbar span:before{content:"✓ ";color:var(--cta)}
.loan-card .card-body h3 a{color:inherit;text-decoration:none}
.card-ctas{display:flex;align-items:center;gap:14px;margin-top:14px;flex-wrap:wrap}
.card-more{font-weight:700;color:var(--accent-dark)}
.how{padding:64px 0;background:var(--bg-alt)}
ol.steps{list-style:none;max-width:980px;margin:0 auto;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
ol.steps li{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;display:flex;gap:14px;align-items:flex-start}
ol.steps p{margin:6px 0 0;color:var(--muted);font-size:.95rem}
.step-n{flex:0 0 36px;height:36px;border-radius:50%;background:var(--accent);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.calc{padding:64px 0}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.calc h2{font-size:1.8rem;margin:8px 0 12px;letter-spacing:-.02em}
.calc .eyebrow{font-size:.78rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-dark)}
.calc-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 10px 30px rgba(0,0,0,.06)}
.calc-card label{display:block;font-weight:600;margin-bottom:12px}
.calc-card input{display:block;width:100%;margin-top:6px;padding:11px 12px;border:1px solid var(--line);border-radius:8px;font:inherit}
.calc-out{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:8px}
.calc-out div{background:#e7f4f2;border-radius:12px;padding:14px}
.calc-out span{display:block;font-size:.82rem;color:var(--muted)}
.calc-out b{font-size:1.5rem;color:var(--accent-dark)}
.cta-mid,.cta-final{text-align:center}
.cta-band .btn-ghost{border:2px solid rgba(255,255,255,.7);color:#fff!important}
.inline-form{margin:26px 0 30px;padding:4px;border-radius:18px;background:linear-gradient(135deg,var(--accent),var(--accent-dark))}
.inline-form .lf{box-shadow:none}
.contact-form{max-width:620px;margin:0 auto}
.contact-form .lf{box-shadow:0 10px 30px rgba(0,0,0,.08);border:1px solid var(--line)}
form select{display:block;width:100%;margin-top:7px;padding:12px 14px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink);font-family:inherit;font-size:1rem}
.mbar{display:none}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:14px}.crumbs a{color:var(--accent-dark)}.crumbs .sep{margin:0 6px;opacity:.6}
.byline{font-size:.86rem;color:var(--muted);margin:-4px 0 18px}.byline a{color:var(--accent-dark)}
.quick{border-left:4px solid var(--accent);background:#e7f4f2;border-radius:0 12px 12px 0;padding:14px 18px;margin:0 0 22px}
.quick span{display:block;font-size:.74rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-dark);margin-bottom:4px}
.quick p{margin:0!important;font-size:1.04rem;line-height:1.6}
.guide-links{margin:30px 0 6px;padding:18px 20px;border:1px solid var(--line);border-radius:12px;background:var(--bg-alt)}
.guide-links strong{display:block;margin-bottom:8px}.guide-links a{display:block;margin:6px 0;font-weight:600;color:var(--accent-dark)}
.sources li{font-size:.92rem}
.guides-home{padding:56px 0;background:var(--bg-alt)}
.guide-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;max-width:1000px;margin:0 auto}
.guide-grid a{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;text-decoration:none;color:var(--ink)}
.guide-grid a:hover{border-color:var(--accent)}
.guide-grid span{display:block;margin-top:8px;font-size:.88rem;font-weight:700;color:var(--accent-dark)}
.site-footer .fine a{color:#9ec7dd}
@media(max-width:820px){
  .hero-lp{padding:30px 0 40px}
  .hero-lp .hero-grid{grid-template-columns:1fr;gap:22px}
  .hero-lp h1{font-size:1.9rem}
  .hero-lp .sub{font-size:1rem}
  .hero-checks{margin:12px 0}
  ol.steps{grid-template-columns:1fr}
  .calc-grid{grid-template-columns:1fr;gap:20px}
  .lf{padding:18px 16px 14px}
  .lf-row{grid-template-columns:1fr}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;box-shadow:0 -6px 20px rgba(0,0,0,.15)}
  .mbar a{flex:1;text-align:center;padding:15px 8px;font-weight:800;text-decoration:none}
  .mbar-call{background:var(--accent-dark);color:#fff}
  .mbar-go{background:var(--cta);color:#1f1300}
  body{padding-bottom:56px}
  .site-header .wrap{padding:10px 16px;gap:0}
  .site-header nav{width:100%;order:4;gap:0}
  .site-header nav>.btn{display:none}
  .nav-toggle{display:block;margin-left:auto}
  .site-header .brand{flex:1}
  .hero-checks,.hero-call{display:none}
  .hero-lp .sub{margin-bottom:4px}
  .hero-eyebrow{font-size:.75rem}
}
@media(max-width:380px){.chips{grid-template-columns:1fr}}