:root{
  --primary:#0f2745;
  --secondary:#24486f;
  --accent:#c79a45;
  --light:#f4f8fc;
  --text:#1f2937;
  --muted:#64748b;
  --card:#ffffff;
}
html{scroll-behavior:smooth;}
body{font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:linear-gradient(180deg,#f7fbff 0%,#ffffff 22%,#ffffff 100%);}
a{text-decoration:none;transition:all .2s ease;}
a:hover{color:var(--secondary);}
.topbar{background:linear-gradient(90deg,#0a1c33,#153457 55%,#1f4a76);color:#fff;font-size:.94rem;}
.topbar a{color:#fff;font-weight:800;letter-spacing:.01em;}
.navbar{background:rgba(255,255,255,.92)!important;backdrop-filter:blur(16px);border-bottom:1px solid rgba(15,39,69,.08);box-shadow:0 10px 30px rgba(15,23,42,.05);}
.navbar-brand{font-weight:900;letter-spacing:.01em;color:var(--primary)!important;}
.navbar-toggler{border:1px solid rgba(15,39,69,.12);padding:.45rem .65rem;border-radius:8px;}
.navbar-toggler:focus{box-shadow:none;border-color:rgba(15,39,69,.3);}
.nav-link{font-weight:700;color:var(--primary)!important;padding:.75rem .95rem !important;border-radius:8px;}
.nav-link:hover,.nav-link.active{background:rgba(15,39,69,.06);color:var(--secondary)!important;}
.btn-brand{background:linear-gradient(135deg,var(--primary),#183d66);border:none;color:#fff;border-radius:8px;padding:.9rem 1.45rem;font-weight:800;box-shadow:0 16px 34px rgba(15,39,69,.18);}
.btn-brand:hover{transform:translateY(-1px);color:#fff;}
.btn-outline-brand{border:2px solid rgba(15,39,69,.16);color:var(--primary);background:#fff;border-radius:8px;padding:.82rem 1.3rem;font-weight:800;}
.btn-outline-brand:hover{background:var(--primary);border-color:var(--primary);color:#fff;}
.btn-accent{background:linear-gradient(135deg,#d8ae5d,var(--accent));border:none;color:#111827;border-radius:8px;padding:.9rem 1.45rem;font-weight:800;box-shadow:0 16px 34px rgba(199,154,69,.2);}
.btn-accent:hover{transform:translateY(-1px);color:#111827;}
.hero{background:radial-gradient(circle at 88% 8%, rgba(199,154,69,.18), transparent 24%), radial-gradient(circle at 10% 18%, rgba(36,72,111,.09), transparent 20%), linear-gradient(180deg,#f7fbff 0%,#edf4fb 45%,#ffffff 100%);padding:6.8rem 0 4.8rem;position:relative;overflow:hidden;}
.hero:before{content:"";position:absolute;right:-120px;bottom:-120px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle, rgba(15,39,69,.06) 0%, rgba(15,39,69,0) 68%);}
.hero-card,.info-card,.loan-card,.blog-card,.cta-card,.contact-card,.stat-card{background:var(--card);border:1px solid rgba(15,39,69,.08);box-shadow:0 18px 42px rgba(15,23,42,.08);border-radius:8px;}
.hero-kicker{display:inline-flex;align-items:center;gap:.55rem;background:rgba(255,255,255,.9);border:1px solid rgba(15,39,69,.08);padding:.5rem .85rem;border-radius:8px;font-size:.92rem;color:var(--secondary);font-weight:800;box-shadow:0 8px 24px rgba(15,23,42,.04);}
.display-hero{font-size:4rem;font-weight:900;line-height:1.02;color:var(--primary);letter-spacing:0;}
.section{padding:4.5rem 0;}
.section-title{font-weight:900;color:var(--primary);margin-bottom:1rem;letter-spacing:0;}
.section-subtitle{color:var(--muted);max-width:760px;font-size:1.03rem;}
.icon-badge{width:3rem;height:3rem;border-radius:8px;background:linear-gradient(135deg,rgba(15,39,69,.08),rgba(36,72,111,.12));display:grid;place-items:center;color:var(--primary);font-size:1.1rem;}
.loan-card,.blog-card,.info-card,.contact-card,.cta-card,.stat-card{padding:1.65rem;height:100%;}
.loan-card,.blog-card{transition:transform .22s ease, box-shadow .22s ease, border-color .22s ease;}
.loan-card:hover,.blog-card:hover{transform:translateY(-4px);box-shadow:0 22px 48px rgba(15,23,42,.11);border-color:rgba(199,154,69,.35);}
.loan-card h3,.blog-card h3,.info-card h3,.contact-card h3{font-size:1.18rem;font-weight:900;color:var(--primary);}
.muted{color:var(--muted);}
.market-strip{background:linear-gradient(135deg,var(--primary),#183d66);color:#fff;border-radius:8px;padding:1.35rem;box-shadow:0 18px 34px rgba(15,39,69,.16);}
.market-strip strong{display:block;font-size:1.22rem;}
.cta-band{background:linear-gradient(135deg,#0f2745,#1d4671);color:#fff;border-radius:8px;padding:2rem;box-shadow:0 20px 40px rgba(15,39,69,.15);}
.cta-band h2,.cta-band h3,.cta-band p,.cta-band a{color:#fff;}
.footer{background:linear-gradient(180deg,#09192d 0%,#0d223e 100%);color:#d8e3f0;padding-top:4rem;}
.footer h5{color:#fff;font-weight:800;margin-bottom:1rem;}
.footer a{color:#d8e3f0;}
.footer a:hover{color:#fff;}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:2rem;padding:1.2rem 0;}
.breadcrumb-wrap{background:#f8fbfe;border-bottom:1px solid rgba(15,39,69,.08);}
.page-hero{padding:4rem 0;background:linear-gradient(180deg,#f7fbff 0%,#ffffff 100%);}
.page-intro{padding:3rem 0 1.25rem;background:linear-gradient(180deg,#f7fbff 0%,#ffffff 100%);}
.page-intro h1{font-weight:900;color:var(--primary);letter-spacing:0;margin-bottom:.9rem;font-size:3rem;line-height:1.08;}
.page-intro p{color:var(--muted);max-width:820px;font-size:1.08rem;margin-bottom:0;}
.list-check{list-style:none;padding-left:0;}
.list-check li{margin-bottom:.8rem;padding-left:1.8rem;position:relative;}
.list-check li:before{content:"\f058";font-family:"Font Awesome 6 Free";font-weight:900;position:absolute;left:0;top:.04rem;color:var(--accent);}
.table-style{border:1px solid rgba(15,39,69,.08);border-radius:8px;overflow:hidden;background:#fff;box-shadow:0 12px 28px rgba(15,23,42,.05);}
.table-style .table{margin-bottom:0;}
.accordion-item{border:1px solid rgba(15,39,69,.08)!important;border-radius:8px!important;overflow:hidden;margin-bottom:.8rem;}
.accordion-button{font-weight:700;color:var(--primary);}
.accordion-button:not(.collapsed){background:#eef4fb;color:var(--primary);box-shadow:none;}
.badge-soft{background:#eef4fa;color:var(--primary);padding:.55rem .9rem;border-radius:8px;font-weight:800;display:inline-block;}
.phone-pill{display:inline-flex;align-items:center;gap:.55rem;background:#fff;border:1px solid rgba(15,39,69,.1);padding:.8rem 1rem;border-radius:8px;font-weight:800;color:var(--primary);box-shadow:0 10px 26px rgba(15,23,42,.06);}
.small{font-size:.92rem;}
@media (max-width: 991.98px){
 .hero{padding-top:5.8rem;padding-bottom:4rem;}
 .topbar .container{justify-content:center;text-align:center;}
 .nav-link{padding:.7rem .2rem!important;border-radius:8px;}
}
@media (max-width: 575.98px){
 .display-hero{font-size:2.2rem;}
 .page-intro h1{font-size:2.2rem;}
 .section{padding:3.7rem 0;}
 .cta-band{padding:1.5rem;}
}

.home-redesign{background:#fbfaf7;color:#17211f;}
.home-redesign .container{position:relative;z-index:2;}
.landing-hero{position:relative;min-height:72svh;display:flex;align-items:center;overflow:hidden;color:#fff;background:#17211f;}
.landing-hero__media{position:absolute;inset:0;background-image:url("https://images.unsplash.com/photo-1517639493569-5666a7b2f494?auto=format&fit=crop&w=2200&q=82");background-size:cover;background-position:center 42%;transform:scale(1.02);}
.landing-hero__shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(12,21,19,.86) 0%,rgba(12,21,19,.68) 44%,rgba(12,21,19,.28) 100%);}
.landing-hero__content{padding-top:4.5rem;padding-bottom:4.5rem;}
.landing-kicker,.eyebrow{display:inline-block;font-size:.82rem;font-weight:900;letter-spacing:0;text-transform:uppercase;}
.landing-kicker{color:#ffd166;background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.22);border-radius:8px;padding:.55rem .7rem;margin-bottom:1rem;}
.landing-hero h1{max-width:880px;font-size:4rem;line-height:1.02;font-weight:900;letter-spacing:0;margin:0 0 1.1rem;color:#fff;}
.landing-hero p{max-width:760px;font-size:1.18rem;line-height:1.7;color:#f2f7f2;margin:0;}
.landing-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.8rem;}
.landing-btn{display:inline-flex;align-items:center;justify-content:center;min-height:3.1rem;padding:.85rem 1.15rem;border-radius:8px;font-weight:900;text-decoration:none;border:2px solid transparent;line-height:1.2;}
.landing-btn--primary{background:#ffb703;color:#17211f;border-color:#ffb703;}
.landing-btn--primary:hover{background:#ffd166;color:#17211f;border-color:#ffd166;}
.landing-btn--secondary{background:rgba(255,255,255,.1);color:#fff;border-color:rgba(255,255,255,.58);}
.landing-btn--secondary:hover{background:#fff;color:#17211f;border-color:#fff;}
.landing-stats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;max-width:880px;margin-top:2.2rem;background:rgba(255,255,255,.25);border:1px solid rgba(255,255,255,.28);border-radius:8px;overflow:hidden;}
.landing-stats div{background:rgba(11,20,18,.52);padding:1rem;min-height:7rem;}
.landing-stats strong{display:block;color:#fff;font-size:1rem;margin-bottom:.35rem;}
.landing-stats span{display:block;color:#d9e8df;font-size:.92rem;line-height:1.45;}
.home-section{padding:4.75rem 0;}
.section-heading{max-width:820px;margin-bottom:2rem;}
.eyebrow{color:#087f8c;margin-bottom:.55rem;}
.section-heading h2,.market-layout h2,.insight-layout h2,.home-final-cta h2{font-size:2.5rem;line-height:1.12;font-weight:900;letter-spacing:0;color:#17211f;margin:0 0 1rem;}
.section-heading p,.market-layout p,.home-final-cta p{font-size:1.06rem;line-height:1.75;color:#55615c;margin:0;}
.program-band{background:#fbfaf7;}
.program-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:1rem;}
.program-tile{min-height:13rem;border-radius:8px;padding:1.25rem;display:flex;flex-direction:column;justify-content:space-between;color:#17211f;border:1px solid rgba(23,33,31,.1);box-shadow:0 12px 32px rgba(23,33,31,.08);transition:transform .2s ease, box-shadow .2s ease;}
.program-tile:hover{transform:translateY(-3px);box-shadow:0 18px 42px rgba(23,33,31,.13);color:#17211f;}
.program-tile span{font-size:.82rem;font-weight:900;text-transform:uppercase;letter-spacing:0;}
.program-tile strong{font-size:1.18rem;line-height:1.25;}
.tile-a{grid-column:span 2;background:#d8f3dc;}
.tile-b{grid-column:span 2;background:#bee9e8;}
.tile-c{grid-column:span 2;background:#ffd6a5;}
.tile-d{grid-column:span 2;background:#f1faee;}
.tile-e{grid-column:span 2;background:#ffddd2;}
.tile-f{grid-column:span 2;background:#dbe7e4;}
.market-section{background:#eef7f3;}
.market-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,480px);gap:3rem;align-items:center;}
.market-points{display:grid;gap:.85rem;margin:1.6rem 0;}
.market-points div{display:grid;grid-template-columns:2.4rem minmax(0,1fr);align-items:start;gap:.75rem;color:#26312e;font-weight:700;}
.market-points i{height:2.4rem;width:2.4rem;display:grid;place-items:center;background:#fff;border:1px solid rgba(8,127,140,.18);border-radius:8px;color:#087f8c;}
.text-link{font-weight:900;color:#087f8c;border-bottom:2px solid #ffb703;}
.text-link:hover{color:#0b6f59;}
.market-image{margin:0;border-radius:8px;overflow:hidden;box-shadow:0 20px 44px rgba(23,33,31,.16);aspect-ratio:4/5;background:#dbe7e4;}
.market-image img{width:100%;height:100%;object-fit:cover;display:block;}
.process-section{background:#fff;}
.process-steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border:1px solid rgba(23,33,31,.12);border-radius:8px;overflow:hidden;background:#fff;}
.process-steps div{padding:1.25rem;min-height:12.5rem;border-right:1px solid rgba(23,33,31,.12);}
.process-steps div:last-child{border-right:0;}
.process-steps span{display:block;color:#e76f51;font-weight:900;margin-bottom:1.35rem;}
.process-steps h3{font-size:1.2rem;font-weight:900;letter-spacing:0;color:#17211f;margin-bottom:.65rem;}
.process-steps p{color:#55615c;line-height:1.6;margin:0;}
.insight-section{background:#f7efe5;}
.insight-layout{display:grid;grid-template-columns:minmax(0,360px) minmax(0,1fr);gap:2rem;align-items:start;}
.insight-list{display:grid;gap:.9rem;}
.insight-list a{display:grid;grid-template-columns:11rem minmax(0,1fr);gap:1rem;align-items:center;background:#fff;border:1px solid rgba(23,33,31,.1);border-radius:8px;padding:1rem 1.1rem;color:#17211f;box-shadow:0 10px 26px rgba(23,33,31,.06);}
.insight-list span{font-size:.82rem;text-transform:uppercase;font-weight:900;color:#087f8c;letter-spacing:0;}
.insight-list strong{font-size:1.04rem;line-height:1.35;}
.home-final-cta{padding:4.75rem 0;background:#173f35;color:#fff;}
.home-final-cta .eyebrow{color:#ffd166;}
.home-final-cta h2,.home-final-cta p{color:#fff;}
.home-final-cta p{opacity:.9;}
.final-cta-layout{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:2rem;align-items:center;}
.final-cta-actions{display:flex;flex-wrap:wrap;gap:.8rem;justify-content:flex-end;}
.home-redesign + .footer{margin-top:0!important;}
@media (max-width: 1199.98px){
 .landing-hero h1{font-size:3.3rem;}
 .program-grid{grid-template-columns:repeat(2,minmax(0,1fr));}
 .program-tile{grid-column:span 1;}
 .process-steps{grid-template-columns:repeat(2,minmax(0,1fr));}
 .process-steps div:nth-child(2){border-right:0;}
 .process-steps div:nth-child(-n+2){border-bottom:1px solid rgba(23,33,31,.12);}
}
@media (max-width: 991.98px){
 .landing-hero{min-height:70svh;}
 .landing-hero h1{font-size:2.8rem;}
 .market-layout,.insight-layout,.final-cta-layout{grid-template-columns:1fr;}
 .market-image{aspect-ratio:16/10;}
 .final-cta-actions{justify-content:flex-start;}
}
@media (max-width: 767.98px){
 .landing-hero{min-height:68svh;}
 .landing-hero__content{padding-top:3rem;padding-bottom:3rem;}
 .landing-hero h1{font-size:2.25rem;line-height:1.08;}
 .landing-hero p{font-size:1rem;line-height:1.6;}
 .landing-stats{grid-template-columns:1fr;margin-top:1.4rem;}
 .landing-stats div{min-height:auto;}
 .home-section,.home-final-cta{padding:3.5rem 0;}
 .section-heading h2,.market-layout h2,.insight-layout h2,.home-final-cta h2{font-size:2rem;}
 .program-grid,.process-steps{grid-template-columns:1fr;}
 .process-steps div{border-right:0;border-bottom:1px solid rgba(23,33,31,.12);}
 .process-steps div:last-child{border-bottom:0;}
 .insight-list a{grid-template-columns:1fr;gap:.35rem;}
}