:root{
  --navy:#082844;
  --navy-2:#123e63;
  --blue:#1f67a6;
  --gold:#c8922f;
  --paper:#ffffff;
  --soft:#f6f8fb;
  --soft-blue:#eef6fb;
  --ink:#122133;
  --muted:#5d6b7c;
  --line:#dbe4ec;
  --shadow:0 22px 55px rgba(8,40,68,.13);
  --radius:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55;min-height:100vh;display:flex;flex-direction:column}
main{flex:1}
a{color:inherit}.container{width:min(1320px,calc(100% - 44px));margin:auto}.narrow{width:min(860px,calc(100% - 44px))}.skip-link{position:absolute;left:-999px}.skip-link:focus{left:16px;top:16px;z-index:60;background:#fff;padding:10px;border:1px solid var(--line)}
.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.header-inner{min-height:88px;display:flex;align-items:center;gap:22px;flex-wrap:nowrap}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;margin-right:auto;min-width:330px;flex:0 0 auto}.brand-mark{width:54px;height:54px;display:grid;place-items:center}.brand svg{width:54px;height:54px}.brand strong{display:block;font-family:Georgia,"Times New Roman",serif;font-size:24px;line-height:.96;color:var(--navy);letter-spacing:-.02em}.brand strong span{color:var(--gold)}.brand small{display:block;margin-top:5px;color:#546477;font-size:12px;line-height:1.25;white-space:nowrap}.site-nav{display:flex;align-items:center;gap:20px;font-size:14px;font-weight:800;white-space:nowrap;flex:0 0 auto}.site-nav a{text-decoration:none;color:#142437;transition:color .16s ease, transform .16s ease}.site-nav a:hover{color:var(--blue);transform:translateY(-1px)}.site-nav a:not(.nav-cta){position:relative}.site-nav a:not(.nav-cta)::after{content:"";position:absolute;left:0;right:0;bottom:-8px;height:2px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .16s ease}.site-nav a:not(.nav-cta):hover::after{transform:scaleX(1)}.nav-cta,.header-phone{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;font-weight:850;white-space:nowrap;flex:0 0 auto}.site-nav .nav-cta{background:var(--navy);color:#fff!important;border-radius:12px;min-height:48px;padding:0 26px;min-width:122px;box-shadow:0 10px 22px rgba(8,40,68,.14)}.header-phone{color:var(--navy);background:transparent;font-size:18px;letter-spacing:.01em;padding:0 0 0 4px;border-bottom:2px solid transparent}.header-phone:hover{border-bottom-color:var(--gold);color:var(--blue)}.nav-toggle{display:none}
.hero{position:relative;min-height:735px;border-bottom:1px solid var(--line);overflow:hidden;background:linear-gradient(90deg,#fff 0%,#fff 44%,#eef6fb 100%)}
.hero-photo{position:absolute;inset:0 0 0 36%;background-image:linear-gradient(90deg,#fff 0%,rgba(255,255,255,.72) 6%,rgba(255,255,255,.16) 19%,rgba(255,255,255,0) 33%),url('hero-meeting.png');background-size:cover;background-position:48% center;z-index:0}.hero:after{content:"";position:absolute;inset:auto 0 0 0;height:130px;background:linear-gradient(180deg,rgba(255,255,255,0),#fff);z-index:1}.hero-inner{position:relative;z-index:2;min-height:735px;display:flex;align-items:center}.hero-content{max-width:560px;padding:74px 0 126px}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:13px;font-weight:900;color:var(--blue);margin:0 0 18px}.hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(52px,5.5vw,78px);line-height:.96;margin:0 0 18px;color:var(--navy);letter-spacing:-.045em}.gold-line{width:72px;height:3px;background:var(--gold);margin:0 0 20px}.hero-kicker{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:22px;font-weight:700;margin:0 0 14px}.hero-text{font-size:19px;color:#405165;max-width:560px;margin:0}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0 0}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:56px;padding:15px 28px;border-radius:12px;text-decoration:none;font-weight:900;border:1px solid transparent}.btn-primary{background:var(--navy);color:#fff!important;box-shadow:0 14px 28px rgba(8,40,68,.18)}.btn-secondary{background:#fff;color:var(--navy);border-color:#b9c7d4}.trust-band{position:absolute;z-index:3;left:0;right:0;bottom:0;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-top:1px solid rgba(219,228,236,.85)}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}.trust-item{display:flex;align-items:center;gap:14px;padding:24px 20px;border-right:1px solid var(--line);font-weight:850;color:var(--navy);background:rgba(255,255,255,.72)}.trust-item:last-child{border-right:0}.trust-icon{width:38px;height:38px;border:2px solid var(--gold);border-radius:999px;display:grid;place-items:center;color:var(--gold);font-weight:900}.solution-strip{background:#fff;border-bottom:1px solid var(--line)}.solution-strip-inner{display:grid;grid-template-columns:1.8fr repeat(6,1fr);align-items:center}.solution-strip h2{font-family:Georgia,"Times New Roman",serif;font-size:26px;margin:0;color:var(--navy);padding:28px 20px 28px 0}.mini-solution{min-height:104px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;text-decoration:none;border-left:1px solid var(--line);font-weight:800;color:#17283d}.mini-icon{width:48px;height:48px;border-radius:999px;background:#f7f4ee;color:var(--navy);display:grid;place-items:center;font-size:22px}.mini-solution:hover{background:#fafcff;color:var(--blue)}
.section{padding:78px 0}.alt{background:var(--soft)}h2{font-family:Georgia,"Times New Roman",serif;font-size:clamp(32px,4vw,48px);line-height:1.08;margin:0 0 18px;color:var(--navy);letter-spacing:-.02em}h3{font-size:20px;margin:0 0 10px;color:var(--navy)}.section-intro{max-width:800px;color:var(--muted);font-size:18px}.card-grid{display:grid;gap:18px;margin-top:30px}.three{grid-template-columns:repeat(3,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 10px 24px rgba(8,40,68,.045)}.link-card{text-decoration:none;transition:.18s transform,.18s box-shadow}.link-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.link-card p{color:var(--muted);margin:0 0 12px}.link-card span{font-weight:900;color:var(--blue)}.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}.steps{counter-reset:item;list-style:none;padding:0;margin:0;display:grid;gap:16px}.steps li{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px}.steps span{display:block;color:var(--muted);margin-top:4px}.notice{background:#fff8ea;border:1px solid #eed59b;border-radius:18px;padding:20px;margin-top:24px}.seo-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:28px}.seo-strip span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:10px 14px;text-align:center;font-weight:800;color:var(--navy);font-size:14px}.cta{text-align:center}.cta p{max-width:720px;margin:0 auto 24px;color:var(--muted)}.page-hero{background:linear-gradient(135deg,#f7fbfe,#eaf3fb);padding:82px 0;border-bottom:1px solid var(--line)}.page-hero p{font-size:20px;color:#465669;max-width:760px}.page-hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(42px,6vw,72px);line-height:.98;margin:10px 0 20px;color:var(--navy)}.check-list{list-style:none;padding:0;display:grid;gap:12px}.check-list li{background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px}.check-list li:before{content:'✓';color:#2f7d69;font-weight:900;margin-right:10px}.faq-list details{border:1px solid var(--line);border-radius:16px;padding:18px 22px;margin-bottom:12px;background:#fff}.faq-list summary{font-weight:800;cursor:pointer}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:28px}.contact-card,.lead-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 10px 24px rgba(8,40,68,.045)}label{display:block;font-weight:700;margin-bottom:16px}input,textarea{display:block;width:100%;margin-top:6px;border:1px solid #d0d9e2;border-radius:12px;padding:13px;font:inherit}.fineprint{font-size:13px;color:var(--muted)}.article h2{margin-top:34px}
.site-footer{background:#fff;color:#111;border-top:1px solid #d7dde3;padding:16px 0}.footer-standard{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;font-size:14px}.footer-left{font-weight:700}.footer-links{display:flex;gap:16px;flex-wrap:wrap}.footer-links a{color:#111;text-decoration:none}.footer-links a:hover{text-decoration:underline}.footer-disclaimer{margin-top:8px;color:#565f6b;font-size:12px;line-height:1.45;max-width:1180px}
@media(max-width:1080px){.site-nav{gap:14px}.brand{min-width:295px}.brand strong{font-size:22px}.header-phone{display:none}.hero-photo{left:36%;opacity:.9;background-position:55% center}.trust-grid{grid-template-columns:repeat(2,1fr)}.solution-strip-inner{grid-template-columns:1fr 1fr 1fr}.solution-strip h2{grid-column:1/-1;padding:26px 0 12px}.mini-solution{border-top:1px solid var(--line)}}
@media(max-width:760px){.container{width:min(100% - 28px,1180px)}.header-inner{min-height:70px}.brand strong{font-size:18px}.brand small{font-size:11px}.nav-toggle{display:block;border:1px solid var(--line);background:#fff;border-radius:999px;padding:10px 14px}.site-nav{display:none;position:absolute;left:14px;right:14px;top:74px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.site-nav.is-open{display:flex}.hero{min-height:auto;background:#fff}.hero-photo{position:relative;display:block;left:auto;height:330px;background-image:linear-gradient(180deg,rgba(255,255,255,0),#fff),url('hero-meeting.png');background-position:58% center;background-size:cover}.hero-inner{min-height:auto;display:block}.hero-content{padding:38px 0 28px}.hero h1{font-size:46px}.hero-kicker{font-size:20px}.trust-band{position:relative}.trust-grid{grid-template-columns:1fr}.trust-item{border-right:0;border-bottom:1px solid var(--line);padding:16px 0}.solution-strip-inner{grid-template-columns:1fr 1fr}.mini-solution{min-height:92px}.three,.split,.contact-grid{grid-template-columns:1fr}.seo-strip{grid-template-columns:1fr 1fr}.section{padding:56px 0}.footer-standard{display:block}.footer-links{margin-top:8px}.nav-cta{color:#fff!important}}

.problem-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:30px}
.problem-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 10px 24px rgba(8,40,68,.045);min-height:190px;display:flex;flex-direction:column;justify-content:space-between}
.problem-card h3{margin-bottom:8px}
.problem-card p{color:var(--muted);margin:0}
@media(max-width:760px){.problem-grid{grid-template-columns:1fr}.header-inner{min-height:76px}.site-nav{top:80px}.site-nav .nav-cta{color:#fff!important}.brand-mark{width:46px;height:46px}.brand svg{width:46px;height:46px}}

@media (min-width:1081px) and (max-width:1240px){.container{width:min(100% - 28px,1320px)}.header-inner{gap:14px}.brand{min-width:292px}.brand strong{font-size:21px}.brand-mark,.brand svg{width:48px;height:48px}.site-nav{gap:13px;font-size:13px}.site-nav .nav-cta{min-width:108px;padding:0 18px}.header-phone{font-size:16px}}

/* v6 flagship refinements */
.different-mortgage{background:linear-gradient(135deg,#082844,#123e63);color:#fff;padding:54px 0}
.different-mortgage .eyebrow{color:#d9b266}.different-mortgage h2{color:#fff;margin-bottom:10px}.different-mortgage .section-intro{color:#d8e4ee;margin:0}.different-inner{display:grid;grid-template-columns:1fr auto;align-items:center;gap:28px}.different-inner .btn-primary{background:#fff;color:var(--navy)!important;box-shadow:none}.different-inner .btn-primary:hover{background:#f6f8fb}
.advisor-grid{display:grid;grid-template-columns:1.35fr .85fr;gap:24px;align-items:stretch}.advisor-card,.proof-panel{background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:0 16px 38px rgba(8,40,68,.07)}.advisor-card{display:grid;grid-template-columns:150px 1fr;gap:26px;padding:30px}.advisor-photo{width:150px;height:150px;border-radius:24px;background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;display:grid;place-items:center;font-family:Georgia,"Times New Roman",serif;font-size:44px;font-weight:900;box-shadow:inset 0 0 0 2px rgba(255,255,255,.18)}.advisor-points{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}.advisor-points span{border:1px solid var(--line);background:#f8fbfd;border-radius:999px;padding:9px 12px;font-weight:800;color:var(--navy);font-size:13px}.proof-panel{padding:30px;background:linear-gradient(180deg,#fff,#f7fbfe)}.proof-panel h3{font-family:Georgia,"Times New Roman",serif;font-size:30px;line-height:1.08;margin-bottom:14px}.proof-panel p{color:var(--muted);margin-bottom:18px}.text-link{font-weight:900;color:var(--blue);text-decoration:none}.text-link:hover{text-decoration:underline}.site-header{box-shadow:0 6px 22px rgba(8,40,68,.035)}.header-phone{font-weight:900}.site-nav .nav-cta:hover{background:var(--blue);transform:translateY(-1px)}
@media(max-width:900px){.different-inner,.advisor-grid,.advisor-card{grid-template-columns:1fr}.different-inner .btn-primary{width:fit-content}.advisor-photo{width:120px;height:120px;font-size:34px}.advisor-card{padding:24px}.proof-panel{padding:24px}}
@media(max-width:760px){.different-mortgage{padding:42px 0}.different-inner .btn-primary{width:100%}}
/* v8 refinement: smaller cross-site mortgage callout placed near top */
.different-mortgage{padding:32px 0;background:linear-gradient(135deg,#0b3456,#123f64)}
.different-mortgage h2{font-size:clamp(26px,3vw,38px)}
.different-mortgage .section-intro{font-size:16px;max-width:720px}.different-inner .btn{min-height:48px;padding:12px 22px;border-radius:10px;white-space:nowrap}
@media(max-width:760px){.different-mortgage{padding:30px 0}.different-inner{gap:18px}.different-mortgage h2{font-size:30px}}
/* v9 homepage cleanup */
.advisor-photo{object-fit:cover;object-position:center;display:block;background:none;padding:0}
.advisor-card{align-items:center}
@media(max-width:900px){.advisor-photo{width:128px;height:128px}}

.button-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:18px}.button-row .btn{margin-top:0}