:root{--navy: #06224a;--navy-2: #0c315f;--teal: #009c9a;--gold: #f8bd2a;--ink: #0d1b32;--muted: #60708a;--line: #dce5ef;--soft: #f4f8fb;--surface: #ffffff;--shadow: 0 18px 48px rgba(6, 34, 74, .12);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}*{box-sizing:border-box}body{margin:0;color:var(--ink);background:#fff;font-size:16px;line-height:1.55}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}.site-header{position:sticky;top:0;z-index:20;display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:24px;padding:16px clamp(18px,5vw,64px);background:#fffffff0;border-bottom:1px solid rgba(220,229,239,.8);backdrop-filter:blur(14px)}.brand{display:inline-flex;align-items:center;gap:11px;color:var(--navy)}.brand-mark{width:44px;height:42px;border-radius:8px;display:grid;place-items:center;color:#fff;font-size:12px;font-weight:950;background:linear-gradient(135deg,var(--navy),var(--teal));box-shadow:inset -8px -8px #f8bd2ad1}.brand strong{display:block;font-size:16px;line-height:1;letter-spacing:0}.brand small{display:block;color:var(--muted);font-size:11px;margin-top:4px}nav{display:flex;align-items:center;justify-content:center;gap:clamp(12px,2vw,26px);font-size:14px;font-weight:800;color:#213654}nav a:hover{color:var(--teal)}.header-call{padding:12px 16px;border-radius:8px;background:var(--navy);color:#fff;font-weight:900;font-size:14px}.section{padding:clamp(52px,7vw,94px) clamp(18px,5vw,64px)}.section-inner{width:min(1180px,100%);margin:0 auto}.hero{min-height:calc(100vh - 74px);display:grid;align-items:center;padding:clamp(30px,5vw,62px) clamp(18px,5vw,64px) 48px;background:linear-gradient(90deg,#fff,#ffffffeb 38%,#ffffff61 61%,#ffffff14),var(--hero-image) center right / cover no-repeat}.hero-grid{width:min(1180px,100%);margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 390px;gap:clamp(28px,6vw,80px);align-items:center}h1,h2,h3,p{margin-top:0}h1{max-width:680px;font-size:clamp(44px,6vw,76px);line-height:.98;color:var(--navy);margin-bottom:24px;letter-spacing:0}h1 span,h2 span{color:var(--teal)}.hero-copy p{max-width:560px;color:#31425e;font-size:20px;line-height:1.55;margin-bottom:28px}.hero-actions,.cta-row{display:flex;gap:14px;flex-wrap:wrap;align-items:center}.button{border:0;border-radius:8px;padding:15px 24px;font-size:15px;font-weight:950;background:var(--gold);color:#13233e;cursor:pointer;box-shadow:0 12px 22px #f8bd2a47}.button.secondary{background:#fff;color:var(--navy);border:1px solid #aebdd1;box-shadow:none}.trust-row{display:flex;gap:22px;flex-wrap:wrap;margin-top:34px;color:var(--navy);font-size:13px;font-weight:800}.trust-row span{display:inline-flex;align-items:center;gap:8px}.trust-row b{width:28px;height:28px;border-radius:999px;display:grid;place-items:center;color:var(--teal);border:1px solid #b9e2e1}.lead-card{background:var(--navy);color:#fff;padding:24px;border-radius:8px;box-shadow:var(--shadow)}.lead-card h2{font-size:22px;line-height:1.2;margin-bottom:10px}.form-intro{color:#d5e2f2;font-size:14px;line-height:1.45;margin-bottom:16px}.lead-card form{display:grid;gap:11px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}.input,select,textarea{width:100%;border:1px solid #c8d5e4;border-radius:8px;padding:13px 14px;font:inherit;color:var(--ink);background:#fff}.lead-card .button{width:100%}.lead-card .button[disabled]{opacity:.65;cursor:wait}.lead-card-compact{padding:22px}.secure-note{color:#c9d7e8;font-size:12px;margin:12px 0 0}.form-status{color:#f8bd2a;font-size:13px;margin:2px 0 0;min-height:20px}.consent-line{display:grid;grid-template-columns:18px 1fr;gap:10px;align-items:start;color:#d5e2f2;font-size:12px;line-height:1.4}.consent-line input{margin-top:3px}.center-title{text-align:center;max-width:760px;margin:0 auto 34px}.center-title h2,.section-title{font-size:clamp(31px,4vw,48px);line-height:1.08;color:var(--navy);margin-bottom:14px}.center-title p,.section-lede{color:var(--muted);font-size:18px}.eyebrow{color:var(--teal);font-size:13px;font-weight:950;letter-spacing:0;text-transform:uppercase;margin-bottom:12px}.process{background:#fff}.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}.step,.loan-card,.stat-card,.faq-item,.calc-card,.notice-card{border:1px solid var(--line);border-radius:8px;background:#fff;box-shadow:0 12px 32px #06224a0f}.step{padding:18px;text-align:center}.icon{width:46px;height:46px;border-radius:999px;border:1px solid #b9e2e1;display:grid;place-items:center;margin:0 auto 12px;color:var(--teal);font-weight:950}.step h3{color:var(--navy);font-size:16px;margin-bottom:6px}.step p{color:var(--muted);font-size:14px;margin:0}.soft{background:var(--soft)}.loan-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:18px}.loan-card{padding:22px;display:grid;gap:12px;min-height:238px}.loan-card h3{color:var(--navy);font-size:19px;margin:0}.loan-card p{color:var(--muted);font-size:14px;margin:0}.loan-card a{color:var(--teal);font-weight:950;margin-top:auto}.product-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}.product-card{min-height:300px}.product-card ul{margin:0;padding-left:18px;color:#31425e;font-size:14px}.authority-grid,.article-grid,.checkpoint-grid{display:grid;gap:18px}.authority-grid,.article-grid,.checkpoint-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.authority-card,.article-card,.checkpoint-card,.partner-card,.guide-article{border:1px solid var(--line);border-radius:8px;background:#fff;box-shadow:0 12px 32px #06224a0f}.authority-card{padding:24px}.authority-card h3,.article-card h3,.checkpoint-card h3,.guide-article h2,.guide-section h3,.guide-checks h3{color:var(--navy)}.authority-card p,.article-card p,.checkpoint-card p,.guide-article p{color:var(--muted)}.authority-card ul,.guide-checks ul{margin:16px 0 0;padding-left:18px;color:#31425e}.authority-card li,.guide-checks li{margin:6px 0}.article-card,.checkpoint-card{padding:22px}.partner-section{align-items:start}.partner-grid{display:grid;gap:14px}.partner-card{padding:22px}.partner-card span{display:block;color:var(--teal);font-size:12px;font-weight:950;text-transform:uppercase;margin-bottom:8px}.partner-card h3{color:var(--navy);font-size:22px;margin-bottom:8px}.partner-card p{color:var(--muted);margin:0}.source-note{color:var(--muted);font-size:13px;text-align:center;max-width:850px;margin:28px auto 0}.guide-layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:28px;align-items:start}.guide-main{display:grid;gap:18px}.guide-article{padding:clamp(22px,4vw,34px)}.guide-article h2{font-size:clamp(26px,3vw,36px);line-height:1.12;margin-bottom:12px}.guide-summary{font-size:18px}.guide-section{border-top:1px solid var(--line);padding-top:18px;margin-top:18px}.guide-section h3,.guide-checks h3{font-size:18px;margin-bottom:8px}.guide-checks{border-radius:8px;background:var(--soft);padding:18px;margin-top:20px}.guide-aside{min-width:0}.sticky-card{position:sticky;top:96px;display:grid;gap:12px}.notice-card{padding:24px;background:#fff}.notice-card strong{color:var(--navy)}.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,.9fr);gap:clamp(28px,6vw,70px);align-items:center}.check-list{list-style:none;padding:0;display:grid;gap:12px;color:#31425e}.check-list li{position:relative;padding-left:36px}.check-list li:before{content:"";position:absolute;left:0;top:2px;width:23px;height:23px;border-radius:999px;border:1px solid #a8d9d8;background:#eaf8f7}.check-list li:after{content:"";position:absolute;left:8px;top:7px;width:6px;height:10px;border:solid var(--teal);border-width:0 3px 3px 0;transform:rotate(45deg)}.calc-card{padding:26px}.calc-number{color:var(--teal);font-size:40px;font-weight:950;margin:12px 0}.range-track{height:8px;border-radius:999px;background:linear-gradient(90deg,var(--teal) 62%,#dbe5ef 62%);margin:20px 0}.local-image{border-radius:8px;overflow:hidden;box-shadow:var(--shadow);aspect-ratio:16 / 10}.local-image img{width:100%;height:100%;object-fit:cover}.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:26px}.stat-card{padding:20px;text-align:center}.stat-card strong{display:block;color:var(--teal);font-size:34px;line-height:1}.faq-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,.8fr);gap:28px}.faq-list{display:grid;gap:10px}.faq-item{padding:18px}.faq-item h3{color:var(--navy);font-size:16px;margin-bottom:6px}.faq-item p{color:var(--muted);margin:0}.cta-band{width:min(1180px,calc(100% - 36px));margin:0 auto -54px;position:relative;z-index:2;background:var(--navy);color:#fff;border-radius:8px;padding:28px;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:20px;align-items:center}.cta-band h2{margin:0 0 4px;font-size:30px}.cta-band p{margin:0;color:#cbd7e6}.site-footer{background:#021735;color:#d8e4f2;padding:94px clamp(18px,5vw,64px) 28px}.footer-inner{width:min(1180px,100%);margin:0 auto;display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}.footer-brand{color:#fff;margin-bottom:16px}.site-footer h2{color:#fff;font-size:16px}.site-footer a,.site-footer span{display:block;color:#d8e4f2;margin:8px 0}.site-footer p{color:#b9c8da;max-width:560px}.footer-bottom{width:min(1180px,100%);margin:34px auto 0;color:#8ea3bb;font-size:13px}.page-hero{background:linear-gradient(135deg,#eef7fb,#fff);padding:clamp(58px,8vw,104px) clamp(18px,5vw,64px)}.page-hero-photo{min-height:clamp(560px,72vh,760px);display:grid;align-items:center;background:linear-gradient(90deg,#f6fafcfa,#f6fafce0 42%,#f6fafc5c 70%,#f6fafc14),var(--page-hero-image) center right / cover no-repeat}.page-hero-inner{width:min(900px,100%);margin:0 auto;text-align:center}.page-hero h1{margin-left:auto;margin-right:auto}.page-hero-photo .page-hero-inner{width:min(1180px,100%);text-align:left}.page-hero-photo h1{margin-left:0;margin-right:0}.page-hero-photo .section-lede{max-width:660px;margin-left:0}.page-hero-carousel{min-height:clamp(600px,76vh,790px);display:grid;align-items:center;background:radial-gradient(circle at 78% 20%,rgba(0,156,154,.12),transparent 30%),linear-gradient(135deg,#eef7fb,#fff 58%,#f8fbfd)}.page-hero-carousel .page-hero-inner{width:min(1180px,100%);display:grid;grid-template-columns:minmax(0,.88fr) minmax(360px,.72fr);gap:clamp(30px,6vw,72px);align-items:center;text-align:left}.page-hero-copy h1{margin-left:0;margin-right:0}.page-hero-copy .section-lede{max-width:690px}.hero-carousel{position:relative;width:100%;min-width:0}.hero-carousel-track{position:relative;aspect-ratio:4 / 5;min-height:520px;overflow:hidden;border:1px solid rgba(174,189,209,.7);border-radius:8px;background:var(--navy);box-shadow:0 24px 70px #06224a29}.hero-carousel-slide{position:absolute;inset:0;margin:0;opacity:0;transform:scale(1.015);transition:opacity .42s ease,transform .52s ease;pointer-events:none}.hero-carousel-slide.is-active{opacity:1;transform:scale(1);pointer-events:auto}.hero-carousel-slide img{width:100%;height:100%;object-fit:cover}.hero-carousel-slide:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,#06224a05 18%,#06224ac2)}.hero-carousel-slide figcaption{position:absolute;left:0;right:0;bottom:0;z-index:1;padding:28px;color:#fff}.hero-carousel-slide figcaption span,.pathway-eyebrow{display:inline-block;margin-bottom:10px;color:#8be0dc;font-size:12px;font-weight:950;letter-spacing:0;text-transform:uppercase}.hero-carousel-slide figcaption strong{display:block;max-width:430px;font-size:clamp(25px,3vw,36px);line-height:1.05}.hero-carousel-slide figcaption p{max-width:430px;margin:12px 0 0;color:#e3eef7}.hero-carousel-pathways{display:grid;place-items:center;padding:28px;background:linear-gradient(135deg,#06224afa,#0c315ff0),linear-gradient(45deg,#f8bd2a1f,#009c9a2e)}.hero-carousel-pathways:after{display:none}.pathway-board{width:100%;color:#fff}.pathway-board h2{max-width:430px;margin-bottom:12px;color:#fff;font-size:clamp(28px,3.4vw,42px);line-height:1.06}.pathway-board p{max-width:450px;color:#d5e4f1;margin-bottom:22px}.pathway-tile-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.pathway-tile-grid span{min-height:84px;display:grid;align-items:end;border:1px solid rgba(255,255,255,.24);border-radius:8px;padding:14px;background:#ffffff1a;color:#fff;font-size:14px;font-weight:900}.pathway-tile-grid span:before{content:"";width:34px;height:10px;margin-bottom:16px;border-radius:999px;background:linear-gradient(90deg,var(--gold),var(--teal))}.hero-carousel-controls{position:absolute;left:18px;right:18px;bottom:18px;z-index:3;display:flex;align-items:center;justify-content:space-between;gap:12px;pointer-events:none}.hero-carousel-controls button{pointer-events:auto;border:1px solid rgba(255,255,255,.46);border-radius:999px;background:#ffffffeb;color:var(--navy);cursor:pointer}.hero-carousel-controls>button{width:38px;height:38px;display:grid;place-items:center;font-size:26px;line-height:1}.hero-carousel-dots{display:flex;align-items:center;gap:7px;padding:8px 10px;border-radius:999px;background:#06224a80;pointer-events:auto}.hero-carousel-dots button{width:9px;height:9px;padding:0;background:#ffffff94}.hero-carousel-dots button.is-active{width:24px;background:var(--gold)}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:34px;align-items:start}.position-check-section{background:linear-gradient(180deg,#fff,#f8fbfd)}.position-check-grid{grid-template-columns:minmax(0,1fr) minmax(320px,420px);gap:clamp(22px,4vw,42px);align-items:stretch}.position-check-grid .lead-card{width:100%;max-width:none}.content-card{border:1px solid var(--line);border-radius:8px;padding:24px;background:#fff}.buyer-help-card{padding:clamp(24px,4vw,34px);background:linear-gradient(180deg,#f4f8fbbf,#fff0 46%),#fff}.buyer-help-card h2{color:var(--navy);font-size:clamp(30px,4vw,42px);line-height:1.08;margin-bottom:14px}.help-intro{max-width:760px;color:#31425e;font-size:18px}.help-metrics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:22px 0}.help-metrics span{display:grid;gap:4px;min-height:92px;border:1px solid #cfe0ee;border-radius:8px;padding:14px;background:#fff;color:#31425e;font-size:14px}.position-metrics span{min-height:112px}.help-metrics strong{color:var(--teal);font-size:13px;text-transform:uppercase}.fine-print{color:var(--muted);font-size:13px;margin:18px 0 0}.scheme-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.scheme-card,.source-card{border:1px solid var(--line);border-radius:8px;background:#fff;padding:22px}.scheme-card span{display:inline-block;color:var(--teal);font-size:12px;font-weight:950;text-transform:uppercase;letter-spacing:0;margin-bottom:10px}.scheme-card h3{color:var(--navy);font-size:20px;margin-bottom:8px}.scheme-card p{color:var(--muted)}.scheme-card ul{list-style:none;padding:0;display:grid;gap:8px;margin:18px 0;color:#31425e}.scheme-card li{position:relative;padding-left:24px}.scheme-card li:before{content:"";position:absolute;left:0;top:8px;width:8px;height:8px;border-radius:999px;background:var(--teal)}.scheme-card a{font-weight:850;color:var(--navy)}.source-card{margin-top:20px}.source-card h3{color:var(--navy);font-size:22px;margin-bottom:8px}.source-card p{color:var(--muted)}.source-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}.source-links a{border:1px solid var(--line);border-radius:8px;padding:10px 12px;color:var(--navy);font-weight:850;background:var(--soft)}.ai-split{display:grid;grid-template-columns:minmax(0,.9fr) minmax(360px,1fr);gap:clamp(28px,6vw,70px);align-items:center}.ai-note-grid,.strategy-grid{display:grid;gap:16px}.ai-note-card,.strategy-card{border:1px solid var(--line);border-radius:8px;background:#fff;box-shadow:0 12px 32px #06224a0f}.ai-note-card{padding:20px}.ai-note-card h3,.strategy-card h3{color:var(--navy);margin-bottom:8px}.ai-note-card p,.strategy-card p{color:var(--muted);margin-bottom:0}.strategy-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.strategy-card{padding:22px;display:grid;align-content:start;min-height:310px}.strategy-card ul{margin:18px 0 0;padding-left:18px;color:#31425e}.strategy-card li{margin:6px 0}.assistant-shell{position:fixed;right:22px;bottom:22px;z-index:80;display:grid;justify-items:end;gap:12px;pointer-events:none}.assistant-toggle,.assistant-panel{pointer-events:auto}.assistant-toggle{display:flex;align-items:center;gap:10px;border:0;border-radius:999px;padding:12px 18px 12px 12px;background:var(--navy);color:#fff;font-weight:950;box-shadow:0 18px 40px #06224a3d;cursor:pointer}.assistant-toggle-icon{display:grid;place-items:center;width:34px;height:34px;border-radius:999px;background:var(--gold);color:var(--navy);font-size:12px}.assistant-shell.assistant-open .assistant-toggle{display:none}.assistant-panel{width:min(390px,calc(100vw - 28px));max-height:min(720px,calc(100vh - 120px));overflow:hidden;border:1px solid var(--line);border-radius:8px;background:#fff;box-shadow:0 22px 60px #06224a38;display:grid;grid-template-rows:auto minmax(160px,1fr) auto auto auto}.assistant-panel.hidden,.assistant-lead-toggle.hidden,.assistant-lead-form.hidden{display:none}.assistant-panel-header{display:flex;justify-content:space-between;align-items:start;gap:16px;padding:18px;border-bottom:1px solid var(--line);background:var(--soft)}.assistant-panel-header h2{margin:0;color:var(--navy);font-size:20px}.assistant-close{width:34px;height:34px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--navy);font-size:24px;line-height:1;cursor:pointer}.assistant-messages{display:grid;gap:10px;align-content:start;padding:16px;overflow-y:auto;background:#f8fbfd}.assistant-message{max-width:92%;border:1px solid var(--line);border-radius:8px;padding:11px 12px;color:#1e2f4a;font-size:14px;line-height:1.45}.assistant-message-bot{justify-self:start;background:#fff}.assistant-message-user{justify-self:end;background:#eef4ff;border-color:#b8c9f7}.assistant-chips{display:flex;gap:8px;overflow-x:auto;padding:12px 16px;border-top:1px solid var(--line)}.assistant-chips button{flex:0 0 auto;border:1px solid var(--line);border-radius:999px;padding:8px 10px;background:#fff;color:var(--navy);font-size:13px;font-weight:850;cursor:pointer}.assistant-chat-form{display:grid;grid-template-columns:1fr auto;gap:8px;padding:12px 16px 16px;border-top:1px solid var(--line)}.assistant-chat-form input{width:100%;border:1px solid #cad5e3;border-radius:8px;padding:12px;font:inherit}.assistant-chat-form button,.assistant-lead-toggle{border:0;border-radius:8px;padding:0 14px;background:var(--gold);color:var(--navy);font-weight:950;cursor:pointer}.assistant-lead-toggle{margin:0 16px 16px;padding:12px}.assistant-lead-form{max-height:320px;overflow-y:auto;padding:0 16px 16px}.assistant-lead-form .button{width:100%}@media(max-width:1280px){.site-header{grid-template-columns:1fr}nav{justify-content:flex-start;overflow-x:auto;padding-bottom:4px}.header-call{justify-self:start}}@media(max-width:1040px){.hero-grid,.split,.faq-grid,.content-grid,.guide-layout,.ai-split,.page-hero-carousel .page-hero-inner{grid-template-columns:1fr}.hero{background-position:center right}.lead-card{max-width:520px}.steps,.loan-grid,.product-grid{grid-template-columns:repeat(2,1fr)}.authority-grid,.article-grid,.checkpoint-grid,.scheme-grid,.strategy-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.sticky-card{position:static}.cta-band{grid-template-columns:1fr}.page-hero-carousel .page-hero-inner,.page-hero-copy{text-align:center}.page-hero-copy h1,.page-hero-copy .section-lede{margin-left:auto;margin-right:auto}.page-hero-copy .hero-actions{justify-content:center}.hero-carousel{max-width:620px;margin:0 auto}.hero-carousel-track{aspect-ratio:16 / 11;min-height:420px}}@media(max-width:680px){.site-header{position:static}.header-call{width:100%;text-align:center}nav{display:none}.hero{min-height:auto;background:#f6fafc}h1{font-size:38px;line-height:1.04}.page-hero{padding-top:48px;padding-bottom:56px}.page-hero-photo{min-height:560px;background:linear-gradient(180deg,#f6fafcfa,#f6fafce0 52%,#f6fafc47),var(--page-hero-image) center bottom / cover no-repeat}.page-hero-photo .page-hero-inner{text-align:center}.page-hero-photo h1,.page-hero-photo .section-lede{margin-left:auto;margin-right:auto}.page-hero-carousel{min-height:auto}.page-hero-carousel .page-hero-inner{gap:28px}.hero-carousel-track{aspect-ratio:1 / 1.16;min-height:0}.hero-carousel-slide figcaption{padding:22px}.hero-carousel-slide figcaption strong,.pathway-board h2{font-size:25px}.hero-carousel-slide figcaption p,.pathway-board p{font-size:14px}.hero-carousel-pathways{padding:20px}.pathway-tile-grid{grid-template-columns:1fr;gap:9px}.pathway-tile-grid span{min-height:58px;grid-template-columns:34px 1fr;gap:12px;align-items:center;text-align:left}.pathway-tile-grid span:before{margin-bottom:0}.form-row,.steps,.loan-grid,.product-grid,.authority-grid,.article-grid,.checkpoint-grid,.scheme-grid,.strategy-grid,.help-metrics,.stats,.footer-inner{grid-template-columns:1fr}.hero-actions,.cta-row{align-items:stretch}.button,.button.secondary{width:100%;text-align:center}.assistant-shell{right:12px;bottom:12px;left:12px}.assistant-toggle{justify-self:end}.assistant-panel{width:100%;max-height:calc(100vh - 96px)}}