:root{
  --navy:#1642E8; --navy-dark:#0B0C11; --navy-soft:#4A70FF; --ivory:#F3F4F7;
  --stone:#E6E8EF; --card:#FFFFFF; --line:#D3D6E0; --ink:#0E1015;
  --ink-body:#242836; --ink-soft:#54586A; --live:#2E9F5B; --maxw:1280px;
}
*{box-sizing:border-box;}
body{margin:0;background:var(--ivory);color:var(--ink-body);font-family:"Libre Franklin",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased;font-size:16px;line-height:1.55;}
.wrap{max-width:var(--maxw);margin-inline:auto;padding-inline:24px;}
h1,h2,h3{font-family:"Libre Franklin",sans-serif;font-weight:800;letter-spacing:-.01em;text-wrap:balance;margin:0;color:var(--ink);}
p{margin:0;}
a{color:inherit;}
img{max-width:100%;}
.mono{font-family:"JetBrains Mono",ui-monospace,monospace;font-variant-numeric:tabular-nums;}
:focus-visible{outline:2px solid var(--navy);outline-offset:2px;}
svg{display:block;}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:10px;font-weight:700;font-size:.92rem;text-decoration:none;border:1.5px solid transparent;white-space:nowrap;transition:background .15s ease,border-color .15s ease,color .15s ease;}
.btn-sm{padding:10px 18px;font-size:.83rem;}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy);}
.btn-navy:hover{background:var(--navy-dark);border-color:var(--navy-dark);}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy);}
.btn-outline:hover{background:rgba(22,66,232,.06);}
.btn-white{background:#fff;color:var(--navy);border-color:#fff;}
.btn-white:hover{background:var(--ivory);}
.btn-outline-white{background:transparent;color:#fff;border-color:rgba(255,255,255,.5);}
.btn-outline-white:hover{background:rgba(255,255,255,.1);border-color:#fff;}
.btn-text{background:none;border:none;padding:0;color:var(--navy);font-weight:700;font-size:.88rem;text-decoration:none;display:inline-flex;align-items:center;gap:4px;}
.btn-text:hover{text-decoration:underline;}
@media (max-width:900px){ .navitem{display:none;} }
@media (max-width:560px){ .head-ctas .btn-outline{display:none;} }
header.mainhead{position:sticky;top:env(safe-area-inset-top,0px);z-index:30;background:rgba(243,244,247,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:14px;flex-wrap:wrap;}
.brand{display:flex;align-items:center;flex:none;}
.brand-logo{height:40px;width:auto;display:block;}
@media (max-width:480px){ .brand-logo{height:32px;} }
.head-ctas{display:flex;align-items:center;gap:10px;flex-wrap:wrap;}
.phone-cta,.email-cta{display:flex;align-items:center;gap:7px;height:36px;padding:0 14px;border-radius:999px;color:#fff;flex:none;font-weight:700;font-size:.82rem;white-space:nowrap;text-decoration:none;transition:padding .15s ease,width .15s ease;}
.phone-cta{background:var(--live);}
.phone-cta:hover{background:#268a4d;}
.email-cta{background:var(--navy-soft);}
.email-cta:hover{background:var(--navy);}
@media (max-width:640px){ .email-cta span, .phone-cta span{display:none;} .email-cta,.phone-cta{padding:0;width:36px;justify-content:center;} }
.rate-bar{background:var(--stone);border-bottom:1px solid var(--line);}
.rate-bar-inner{display:flex;align-items:center;gap:14px;padding-block:9px;font-size:.8rem;color:var(--ink-body);flex-wrap:nowrap;overflow:hidden;text-decoration:none;}
.rate-bar-live{display:flex;align-items:center;gap:6px;font-weight:700;color:var(--ink);white-space:nowrap;flex:none;}
.rate-dot{width:6px;height:6px;border-radius:999px;background:var(--live);flex:none;box-shadow:0 0 0 3px rgba(46,159,91,.2);animation:pulse-dot 2s ease-in-out infinite;}
@keyframes pulse-dot{0%,100%{opacity:1;}50%{opacity:.35;}}
.rate-bar-sep{color:var(--line);flex:none;}
.rate-bar-fig{white-space:nowrap;flex:none;}
.rate-bar-fig strong{color:var(--navy);font-weight:800;}
@media (max-width:520px){ .rate-bar-sep:nth-of-type(2){display:none;} }
.hero{padding-block:64px 56px;}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;}
@media (max-width:960px){ .hero-grid{grid-template-columns:1fr;gap:36px;} .hero-portrait{order:-1;max-width:360px;margin-inline:auto;} }
.hero h1{font-size:clamp(2.4rem,5vw,3.6rem);line-height:1.06;}
.hero-sub{font-size:1.05rem;line-height:1.5;color:var(--ink-body);margin-top:12px;max-width:56ch;}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px;}
.hero-tags{margin-top:22px;font-size:.86rem;color:var(--ink-soft);font-weight:600;}
.hero-full{position:relative;isolation:isolate;overflow:hidden;min-height:560px;display:flex;align-items:center;padding-block:72px;}
.hero-bg{position:absolute;inset:0;z-index:-2;}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:28% 0%;display:block;}
.hero-full::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(270deg,rgba(250,249,245,.93) 0%,rgba(250,249,245,.8) 40%,rgba(250,249,245,.15) 62%,rgba(250,249,245,0) 100%);pointer-events:none;}
.hero-full-inner{width:100%;display:flex;justify-content:flex-end;}
.hero-full .hero-copy{max-width:560px;}
@media (max-width:760px){ .hero-full{min-height:0;padding-block:300px 40px;align-items:flex-end;} .hero-bg img{object-position:30% 0%;} .hero-full::after{background:linear-gradient(180deg,rgba(250,249,245,0) 0%,rgba(250,249,245,0) 210px,rgba(250,249,245,.85) 300px,rgba(250,249,245,.92) 100%);} .hero-full-inner{justify-content:flex-start;} }
.hero-portrait{display:flex;flex-direction:column;align-items:center;gap:14px;}
.portrait-id{font-size:1.45rem;font-weight:700;letter-spacing:.01em;}
.portrait-id-name{color:var(--navy);}
.portrait-id-nmls{color:var(--ink-soft);opacity:.7;}
.portrait-frame{position:relative;width:100%;max-width:360px;margin-top:6px;}
.portrait-frame::before{content:"";position:absolute;inset:14px -14px -14px 14px;border:1.5px solid var(--line);border-radius:28px;z-index:0;}
.portrait-img{position:relative;z-index:1;width:100%;aspect-ratio:4/5;border-radius:24px;background-size:cover;background-position:center;box-shadow:0 30px 60px -30px rgba(22,66,232,.35);}
.portrait-img.avatar-badge{display:flex;align-items:center;justify-content:center;background:linear-gradient(155deg,var(--navy-soft),var(--navy-dark));color:#fff;font-size:3.2rem;font-weight:800;letter-spacing:.02em;}
.portrait-social{display:flex;gap:9px;flex-wrap:wrap;justify-content:center;align-items:center;}
.portrait-social a{width:30px;height:30px;border-radius:999px;display:flex;align-items:center;justify-content:center;color:#fff;}
.portrait-social a svg{width:14px;height:14px;}
.ic-fb{background:#1877F2;}
.ic-li{background:#0A66C2;}
.ic-ig{background:radial-gradient(circle at 30% 105%,#fdf497 0%,#fdf497 5%,#fd5949 45%,#d6249f 60%,#285AEB 90%);}
.ic-x{background:#000;}
.proof-strip{background:var(--card);border-block:1px solid var(--line);}
.proof-inner{display:flex;align-items:center;justify-content:center;gap:14px;flex-wrap:wrap;padding-block:18px;font-size:.86rem;font-weight:600;color:var(--ink-body);text-align:center;}
.proof-inner .sep{color:var(--line);font-weight:400;}
section{padding-block:76px;}
.section-head{max-width:640px;margin-bottom:44px;}
.eyebrow{display:block;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--navy-soft);margin-bottom:10px;}
.section-head h2{font-size:clamp(1.9rem,3.2vw,2.5rem);line-height:1.15;}
.section-head p{margin-top:14px;font-size:1.08rem;color:var(--ink-soft);}
.alt-bg{background:var(--stone);}
.breadcrumb{font-size:.82rem;color:var(--ink-soft);margin-bottom:18px;}
.breadcrumb a{color:var(--navy-soft);text-decoration:none;font-weight:600;}
.breadcrumb a:hover{text-decoration:underline;}
.option-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:16px;overflow:hidden;}
@media (max-width:780px){ .option-grid{grid-template-columns:1fr;} }
.option-card{background:var(--card);padding:28px 22px;display:flex;flex-direction:column;gap:10px;}
.option-card .oi{width:34px;height:34px;color:var(--navy);}
.option-card h3{font-size:1.02rem;font-weight:700;}
.option-card p{font-size:.88rem;color:var(--ink-soft);line-height:1.5;flex:1;}
.why-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:52px;align-items:start;}
@media (max-width:860px){ .why-grid{grid-template-columns:1fr;gap:32px;} }
.why-lead{font-size:1.08rem;color:var(--ink-body);line-height:1.6;}
.why-list{display:grid;grid-template-columns:1fr 1fr;gap:26px 28px;}
@media (max-width:560px){ .why-list{grid-template-columns:1fr;} }
.why-item{display:flex;gap:12px;align-items:flex-start;}
.why-item .wi{width:22px;height:22px;color:var(--navy);flex:none;margin-top:2px;}
.why-item p{font-size:.94rem;color:var(--ink-body);line-height:1.5;}
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:44px;}
@media (max-width:780px){ .about-grid{grid-template-columns:1fr;gap:32px;} }
.about-card h3{font-size:1.1rem;margin-bottom:14px;}
.about-card p{font-size:.96rem;line-height:1.65;color:var(--ink-body);}
.about-card p+p{margin-top:14px;}
.map-frame{position:relative;width:100%;max-width:100%;aspect-ratio:16/9;border-radius:16px;overflow:hidden;border:1px solid var(--line);}
.map-frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0;display:block;}
.service-area-list{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px;}
.service-area-list span{background:var(--card);border:1px solid var(--line);border-radius:999px;padding:7px 16px;font-size:.86rem;font-weight:600;color:var(--ink-body);}
.service-area-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:44px;align-items:center;}
@media (max-width:860px){ .service-area-grid{grid-template-columns:1fr;gap:28px;} }
.faq-list{display:flex;flex-direction:column;gap:0;max-width:760px;}
.faq-list details{border-bottom:1px solid var(--line);padding-block:16px;}
.faq-list summary{cursor:pointer;font-weight:700;font-size:.98rem;color:var(--ink);list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px;}
.faq-list summary::-webkit-details-marker{display:none;}
.faq-list summary::after{content:"+";font-size:1.3rem;color:var(--navy-soft);flex:none;}
.faq-list details[open] summary::after{content:"\2013";}
.faq-list p{margin-top:12px;font-size:.92rem;color:var(--ink-soft);line-height:1.6;}
.final-cta{background:var(--navy);color:#fff;text-align:center;}
.final-cta h2{color:#fff;font-size:clamp(1.9rem,3.4vw,2.5rem);}
.final-cta p{margin-top:16px;font-size:1.08rem;color:rgba(255,255,255,.78);max-width:56ch;margin-inline:auto;}
.final-cta .hero-ctas{justify-content:center;margin-top:30px;}
footer{background:var(--navy-dark);color:rgba(255,255,255,.72);}
footer .wrap{padding-block:52px 26px;}
.foot-top{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:32px;}
@media (max-width:860px){.foot-top{grid-template-columns:1fr 1fr;}}
@media (max-width:560px){.foot-top{grid-template-columns:1fr;}}
.foot-brand-row{display:flex;align-items:center;gap:10px;}
.foot-brand-row .mark{width:34px;height:34px;border-radius:8px;background:linear-gradient(155deg,var(--navy-soft),var(--navy));display:flex;align-items:center;justify-content:center;color:#fff;font-weight:700;}
.foot-brand{font-weight:700;color:#fff;}
.foot-contact{display:flex;flex-direction:column;gap:12px;margin-top:16px;font-size:.87rem;}
.foot-contact .row{display:flex;gap:9px;align-items:flex-start;}
.foot-contact svg{flex:none;margin-top:2px;color:var(--navy-soft);}
.foot-contact a{text-decoration:none;color:rgba(255,255,255,.8);}
.foot-social{display:flex;gap:10px;margin-top:18px;}
.foot-social a{width:32px;height:32px;border-radius:999px;display:flex;align-items:center;justify-content:center;color:#fff;}
.foot-cols h4{font-size:.74rem;letter-spacing:.06em;text-transform:uppercase;color:rgba(255,255,255,.5);margin:0 0 14px;font-weight:700;}
.foot-cols a{display:block;text-decoration:none;color:rgba(255,255,255,.78);font-size:.87rem;padding-block:5px;}
.foot-cols a:hover{color:#fff;}
.foot-divider{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:20px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;}
.foot-legal{font-size:.75rem;line-height:1.7;color:rgba(255,255,255,.55);max-width:640px;}
.foot-legal strong{color:rgba(255,255,255,.85);}
.foot-service{font-size:.8rem;color:rgba(255,255,255,.6);text-align:right;max-width:320px;}
@media (max-width:700px){.foot-service{text-align:left;}}
.foot-bottom{margin-top:18px;font-size:.76rem;color:rgba(255,255,255,.42);}
.legal-page{padding-block:56px 90px;}
.legal-wrap{max-width:820px;}
.legal-wrap h1{font-size:clamp(1.9rem,3.6vw,2.5rem);margin-bottom:8px;}
.legal-updated{font-size:.85rem;color:var(--ink-soft);margin-bottom:32px;}
.legal-wrap h2{font-size:1.15rem;margin-top:30px;margin-bottom:12px;}
.legal-wrap p{font-size:.98rem;line-height:1.7;color:var(--ink-body);margin-bottom:14px;}
.legal-wrap ul{margin:0 0 14px;padding-left:20px;}
.legal-wrap li{font-size:.96rem;line-height:1.65;color:var(--ink-body);margin-bottom:8px;}
.legal-wrap a{color:var(--navy);font-weight:600;}
/* Team directory */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
@media (max-width:860px){ .team-grid{grid-template-columns:1fr;} }
.team-card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:28px;display:flex;flex-direction:column;gap:14px;}
.team-card-top{display:flex;gap:16px;align-items:center;}
.team-photo{width:76px;height:76px;border-radius:14px;flex:none;background-size:cover;background-position:center top;}
.team-avatar{width:76px;height:76px;border-radius:14px;flex:none;background:linear-gradient(155deg,var(--navy-soft),var(--navy-dark));display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:1.5rem;}
.team-name{font-size:1.1rem;font-weight:700;color:var(--ink);}
.team-role{font-size:.84rem;color:var(--ink-soft);margin-top:2px;}
.team-nmls{font-size:.82rem;color:var(--ink-soft);margin-top:3px;}
.team-specialty{font-size:.92rem;color:var(--ink-body);line-height:1.5;}
.team-contact{display:flex;flex-direction:column;gap:8px;font-size:.87rem;}
.team-contact a{color:var(--navy);text-decoration:none;font-weight:600;}
.team-contact a:hover{text-decoration:underline;}
.team-contact .tel-reveal{color:var(--navy);cursor:pointer;}
.team-ctas{display:flex;gap:10px;flex-wrap:wrap;margin-top:6px;}
.team-ctas .btn{flex:1;justify-content:center;}
.team-photo{width:76px;height:76px;border-radius:14px;flex:none;background-size:cover;background-position:center;}
.brand-text{font-weight:800;color:var(--ink);font-size:1.05rem;margin-left:12px;line-height:1.1;text-decoration:none}
.ph{background:#fff3c4;color:#7a5600;padding:0 4px;border-radius:4px;font-weight:700}
.draft-banner{background:#0B0C11;color:#fff;text-align:center;font-size:.78rem;padding:6px}
.ehl{display:inline-flex;align-items:center;gap:6px;font-weight:700}
.hero-mark{display:flex;align-items:center;gap:18px;margin-bottom:22px}
.hero-mark img{width:150px;height:188px;object-fit:cover;object-position:center top;border-radius:20px;border:4px solid #fff;box-shadow:0 24px 48px -20px rgba(22,66,232,.45)}
.hero-mark-name{font-size:1.4rem;font-weight:800;color:var(--navy)}
.hero-mark-nmls{font-size:.85rem;color:var(--ink-soft);font-weight:600}
@media (max-width:760px){.hero-full{padding-block:220px 40px}.hero-mark img{width:120px;height:150px}.hero-mark{gap:14px}}
.stats{display:flex;justify-content:center;gap:48px;flex-wrap:wrap;padding-block:22px;text-align:center}
.stats b{display:block;font-size:2rem;font-weight:900;color:var(--navy)}
.stats span{font-size:.85rem;color:var(--ink-soft);font-weight:600}
.review-card blockquote{margin:0;font-size:.95rem;line-height:1.6;color:var(--ink-body)}
.review-card{margin:0}
.video-card{text-decoration:none;color:inherit}
.video-card img{width:100%;aspect-ratio:16/9;object-fit:cover;border-radius:12px;margin-bottom:10px}
.legal-wrap ul,.legal-wrap ol{line-height:1.7}
.hero-full-inner{justify-content:space-between;align-items:center;gap:40px}
.hero-photo{flex:0 0 auto}
.hero-photo img{display:block;width:360px;max-width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;object-position:center top;border-radius:24px;border:6px solid #fff;box-shadow:0 30px 60px -20px rgba(10,30,90,.55)}
.hero-full::after{background:linear-gradient(270deg,rgba(250,249,245,.95) 0%,rgba(250,249,245,.88) 42%,rgba(250,249,245,.2) 64%,rgba(250,249,245,0) 100%)}
@media (max-width:1000px) and (min-width:761px){.hero-photo img{width:280px}}
@media (max-width:760px){.hero-full{padding-block:40px 40px}.hero-full-inner{flex-direction:column;align-items:center}.hero-photo img{width:240px;max-width:calc(100vw - 48px)}.hero-full::after{background:linear-gradient(180deg,rgba(250,249,245,0) 0%,rgba(250,249,245,0) 300px,rgba(250,249,245,.88) 360px,rgba(250,249,245,.94) 100%)}}
@media (max-width:640px){.phone-cta span{display:inline}.phone-cta{width:auto;padding:0 14px}}
/* socials + google reviews (v7) */
.hero-photo{display:flex;flex-direction:column;align-items:center}
.hero-social{display:flex;flex-direction:column;align-items:center;gap:12px;margin-top:18px}
.soc-row{display:flex;gap:10px;justify-content:center}
.soc-row a{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:50%;background:#fff;color:#0a1e5a;box-shadow:0 6px 16px -6px rgba(10,30,90,.45);transition:transform .15s,background .15s,color .15s}
.soc-row a:hover,.soc-row a:focus-visible{background:#0a1e5a;color:#fff;transform:translateY(-2px)}
.soc-row a:focus-visible,.greviews:focus-visible{outline:3px solid #f5b400;outline-offset:2px}
.greviews{display:inline-flex;align-items:center;gap:8px;padding:9px 16px;border-radius:999px;background:#fff;color:#1f2937;font-size:.95rem;text-decoration:none;box-shadow:0 6px 16px -6px rgba(10,30,90,.45)}
.greviews strong{color:#b77800}
.greviews:hover{transform:translateY(-2px)}
.foot-soc{justify-content:flex-start;margin-top:14px}
.foot-soc a{width:38px;height:38px;background:rgba(255,255,255,.12);color:#fff;box-shadow:none}
.foot-soc a:hover,.foot-soc a:focus-visible{background:#fff;color:#0a1e5a}
@media (max-width:760px){.hero-social{margin-top:14px}.greviews{font-size:.9rem}.foot-soc{justify-content:center}}
/* loan comparison table (v8) */
.cmp-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.cmp-table{width:100%;border-collapse:collapse;background:var(--card);border:1px solid var(--line);font-size:.98rem}
.cmp-table th,.cmp-table td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.cmp-table th{background:var(--ivory);color:var(--ink);font-weight:700}
.cmp-table tr:last-child td{border-bottom:0}
/* v8 fix: keep button text white inside legal pages */
.legal-wrap a.btn-navy,.legal-wrap a.btn-navy:hover{color:#fff;}