:root{--navy:#062a55;--navy-dark:#031f3f;--navy-mid:#0b4778;--green:#00aa78;--green-dark:#078763;--sky:#8dc7e8;--ink:#0d2a4d;--text:#496179;--line:#d8e5ef;--soft:#f4f8fb;--white:#fff;--shadow:0 14px 40px rgba(3,31,63,.11);--montserrat:"Montserrat",Arial,sans-serif;--lato:"Lato",Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font-family:var(--lato);font-size:16px}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}button,input,select,textarea{font:inherit}.container{width:min(1180px,calc(100% - 40px));margin:auto}h1,h2,h3,.btn,.navlinks,.eyebrow,strong{font-family:var(--montserrat)}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(2.75rem,5.3vw,5rem);letter-spacing:-.045em;line-height:1.02}h2{font-size:clamp(2rem,3.5vw,3.25rem);letter-spacing:-.035em;line-height:1.08}h3{font-size:1.2rem;line-height:1.25}p{color:var(--text);line-height:1.65}.section{padding:80px 0}.eyebrow{display:flex;align-items:center;gap:12px;color:var(--navy);font-size:.72rem;font-weight:700;letter-spacing:.17em;text-transform:uppercase;margin-bottom:16px}.eyebrow:before{content:"";display:block;width:36px;height:2px;background:var(--green)}.eyebrow.light{color:#eaf5fc}.eyebrow.centered{justify-content:center}.btn{display:inline-flex;align-items:center;justify-content:center;gap:16px;min-height:48px;padding:13px 23px;border:1px solid transparent;border-radius:4px;font-size:.88rem;font-weight:700;cursor:pointer;transition:transform .2s ease,box-shadow .2s ease,background .2s ease}.btn:hover{transform:translateY(-2px)}.btn-primary{background:var(--green);color:#fff;box-shadow:0 9px 22px rgba(0,170,120,.2)}.btn-primary:hover{background:var(--green-dark)}.btn-ghost{border-color:rgba(255,255,255,.7);color:#fff;background:rgba(4,32,61,.35)}.btn-outline{border-color:#bdccda;background:#fff;color:var(--navy)}.text-link{display:inline-flex;gap:14px;align-items:center;color:var(--green-dark);font-family:var(--montserrat);font-size:.87rem;font-weight:700}.center-heading{text-align:center;max-width:900px;margin:0 auto 38px}.center-heading p{font-size:1.08rem;margin-bottom:0}.reveal{animation:rise .7s both}@keyframes rise{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}

header{height:78px;position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);border-bottom:1px solid rgba(9,48,84,.08);backdrop-filter:blur(12px)}.nav{height:100%;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand img{width:192px;height:61px;object-fit:contain}.navlinks{display:flex;align-items:center;gap:34px;font-size:.83rem;font-weight:600}.navlinks>a:not(.btn){height:78px;display:flex;align-items:center;position:relative}.navlinks>a.active:not(.btn):after,.navlinks>a:not(.btn):hover:after{content:"";position:absolute;left:0;right:0;bottom:17px;height:2px;background:var(--green)}.menu{display:none;border:0;background:transparent;color:var(--navy);font-size:1.7rem;cursor:pointer}

.hero,.page-hero{position:relative;color:#fff;background-color:var(--navy-dark);background-image:linear-gradient(90deg,rgba(3,31,63,.98) 0%,rgba(3,31,63,.88) 38%,rgba(3,31,63,.2) 73%),url('/assets/hero-property.webp');background-size:cover;background-position:center}.home-hero{min-height:590px}.hero-content{min-height:590px;position:relative;display:flex;align-items:center;padding-top:28px;padding-bottom:116px}.hero-copy{position:relative;z-index:2;max-width:700px}.hero h1,.page-hero h1{color:#fff;margin-bottom:14px}.hero-lead{font-size:1.45rem;color:#fff;margin-bottom:23px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.hero-motto{position:absolute;right:2%;top:46%;width:150px;padding:28px 22px;background:rgba(3,31,63,.8);box-shadow:0 20px 50px rgba(0,0,0,.2);text-transform:uppercase;letter-spacing:.28em}.hero-motto span{display:block;font-family:var(--montserrat);font-size:.72rem;line-height:1.75}.hero-motto i{display:block;width:32px;height:2px;background:var(--green);margin:15px 0}.hero-motto small{font-family:var(--montserrat);font-size:.52rem;letter-spacing:.13em}.trust-strip{position:absolute;left:20px;bottom:28px;display:grid;grid-template-columns:repeat(3,1fr);width:min(780px,72%)}.trust-item{display:flex;align-items:center;gap:14px;padding:0 25px;border-left:1px solid rgba(255,255,255,.35)}.trust-item:first-child{border-left:0;padding-left:0}.line-icon{font-size:2.3rem;color:#fff;font-family:Arial}.trust-item p{margin:0;color:#fff;line-height:1.3}.trust-item strong,.trust-item small{display:block}.trust-item strong{font-size:.78rem}.trust-item small{font-size:.69rem;margin-top:5px;color:#d6e6f3}

.products-preview{background:#fff}.product-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.product-card{display:grid;grid-template-columns:44% 56%;min-height:190px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);overflow:hidden;border-radius:4px}.product-card img{width:100%;height:100%;object-fit:cover}.product-card>div{padding:24px 21px}.product-card h3{font-size:1.25rem;margin-bottom:10px}.product-card p{font-size:.9rem;line-height:1.5;margin-bottom:20px}
.benefit-band{padding:70px 0 56px;background:linear-gradient(110deg,var(--navy-dark),#08507f);color:#fff}.benefit-band h2{color:#fff}.benefit-band .center-heading p{color:#d4e4f1}.benefit-band .benefit-grid{margin-top:8px}.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr)}.benefit-grid article{display:flex;align-items:center;gap:18px;padding:0 25px;border-left:1px solid rgba(141,199,232,.45)}.benefit-grid article:first-child{border-left:0;padding-left:0}.circle-icon{width:65px;height:65px;flex:0 0 65px;border:1px solid #c7e6f8;border-radius:50%;display:grid;place-items:center;color:#10d9a0;font-size:2rem}.benefit-grid h3{font-size:.9rem;margin:0 0 6px;color:#fff}.benefit-grid p{font-size:.78rem;line-height:1.45;color:#d4e4f1;margin:0}
.process-section{background:linear-gradient(#fff,#f4f8fb)}.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:25px;margin-top:32px}.process-step{display:flex;align-items:flex-start;gap:16px;position:relative}.process-step:not(:last-child):after{content:"→";position:absolute;right:-15px;top:21px;color:var(--navy-mid);font-size:1.35rem}.process-step>span{width:52px;height:52px;flex:0 0 52px;border:4px double #fff;border-radius:50%;display:grid;place-items:center;background:#1d79b6;color:#fff;box-shadow:0 0 0 2px #72b6df;font-family:var(--montserrat);font-weight:700}.process-step h3{font-size:.87rem;margin:4px 0 7px}.process-step p{font-size:.8rem;line-height:1.45;margin:0}.split-story{display:grid;grid-template-columns:1fr 1fr;min-height:520px}.story-image{background:url('/assets/rental.webp') center/cover no-repeat}.story-copy{padding:80px clamp(40px,6vw,100px);display:flex;flex-direction:column;justify-content:center}.story-copy p{font-size:1.05rem;max-width:650px}.mini-features{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}.mini-features div{display:flex;gap:12px;align-items:flex-start;border-right:1px solid var(--line);padding-right:16px}.mini-features div:last-child{border:0}.mini-features span{color:var(--green);font-size:1.8rem}.mini-features strong{font-size:.73rem;line-height:1.35}.final-cta{padding:54px 0;text-align:center;color:#fff;background:linear-gradient(rgba(3,31,63,.87),rgba(3,31,63,.92)),url('/assets/hero-property.webp') center 60%/cover}.final-cta h2{font-size:clamp(1.8rem,3vw,2.5rem);color:#fff;margin-bottom:7px}.final-cta p{color:#e1eef7;margin-bottom:18px}.final-cta small{display:block;margin-top:13px;color:#d9e7f1}.final-cta.compact{padding:46px 0}

.page-hero{min-height:330px;display:flex;align-items:center;padding:64px 0;background-position:center 48%}.page-hero .container{position:relative;z-index:2}.page-hero h1{font-size:clamp(2.6rem,4.5vw,4.35rem);max-width:780px}.page-hero p{color:#fff;font-size:1.22rem;max-width:670px}.loans-hero{background-image:linear-gradient(90deg,rgba(3,31,63,.97) 0%,rgba(3,31,63,.82) 45%,rgba(3,31,63,.2) 75%),url('/assets/hero-property.webp')}.credit-banner{padding:20px 0;background:#f0f8fd;border-bottom:1px solid #cfe2ef}.credit-banner .container{display:flex;align-items:center;justify-content:center;gap:20px}.shield{width:48px;height:54px;display:grid;place-items:center;color:var(--green);border:3px solid var(--navy-mid);border-radius:45% 45% 55% 55%;font-size:1.35rem;font-weight:900}.credit-banner p{margin:0;color:var(--navy)}.credit-banner strong,.credit-banner small{display:block}.credit-banner small{font-size:.76rem;margin-top:4px;color:var(--text)}.loan-detail{display:grid;grid-template-columns:44% 56%;min-height:430px;background:#fff}.loan-detail.reverse{grid-template-columns:56% 44%}.loan-detail.reverse .loan-photo{order:2}.loan-photo img{width:100%;height:100%;object-fit:cover}.loan-copy{padding:60px clamp(35px,5.5vw,90px);display:flex;flex-direction:column;justify-content:center}.loan-copy h2{margin-bottom:4px}.loan-copy .subhead{font-size:1.16rem;color:#315f90;margin-bottom:13px}.loan-copy>p{max-width:720px}.feature-row{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:20px 0 28px}.feature-row>div{display:grid;grid-template-columns:36px 1fr;gap:3px 10px;padding-right:15px;border-right:1px solid var(--line)}.feature-row>div:last-child{border:0}.feature-row span{grid-row:1/3;color:var(--green-dark);font-size:1.8rem}.feature-row strong{font-size:.75rem;line-height:1.3}.feature-row small{color:var(--text);line-height:1.35}.loan-copy>.btn{align-self:flex-start}.comparison{background:var(--soft)}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:4px;box-shadow:var(--shadow)}table{width:100%;border-collapse:collapse;background:#fff;min-width:760px}th,td{padding:16px 18px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);text-align:center}thead th{background:var(--navy);color:#fff;font-family:var(--montserrat)}tbody th{text-align:left;color:var(--navy);background:#eef5fa;font-family:var(--montserrat);font-size:.82rem}td{color:var(--text);font-size:.9rem}

.form-hero{min-height:360px;background-image:linear-gradient(90deg,rgba(3,31,63,.98) 0%,rgba(3,31,63,.82) 48%,rgba(3,31,63,.18) 80%),url('/assets/hero-property.webp')}.form-hero h1{font-size:clamp(2.45rem,4.7vw,4.35rem)}.hero-fico{display:block;font-family:var(--lato);font-size:1rem}.application-section{padding:24px 0 75px;background:#f8fbfd}.form-progress{display:grid;grid-template-columns:repeat(5,1fr);list-style:none;margin:0 0 26px;padding:0}.form-progress li{text-align:center;position:relative;color:var(--navy)}.form-progress li:not(:last-child):after{content:"";position:absolute;top:22px;left:58%;width:84%;height:1px;background:#b7cfe1}.form-progress span{position:relative;z-index:1;width:44px;height:44px;margin:0 auto 8px;display:grid;place-items:center;border-radius:50%;border:1px solid #b9d1e3;background:#fff;font-family:var(--montserrat);font-weight:700}.form-progress strong{font-size:.82rem}.form-progress li.active span{color:#fff;background:#1c79b6;box-shadow:0 0 0 3px #d9edf9}.form-progress li.active strong{border-bottom:2px solid var(--green);padding-bottom:7px}.application-grid{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:22px}.application-card,.prepare-card{background:#fff;border:1px solid var(--line);border-radius:5px;box-shadow:0 10px 28px rgba(3,31,63,.06)}.application-card{padding:32px}.application-card h2,.prepare-card h2{font-size:1.75rem;margin-bottom:6px}.form-step{display:none}.form-step.active{display:block;animation:rise .35s both}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:19px;margin-top:25px}.field{display:flex;flex-direction:column;gap:7px}.field.full{grid-column:1/-1}label{color:var(--navy);font-family:var(--montserrat);font-size:.8rem;font-weight:700}input,select,textarea{width:100%;border:1px solid #c9d8e5;border-radius:4px;padding:13px 14px;color:var(--ink);background:#fff}input:focus,select:focus,textarea:focus{outline:3px solid rgba(31,111,174,.12);border-color:#3988bd}textarea{min-height:130px;resize:vertical}.upload-zone{margin-top:25px;min-height:270px;border:2px dashed #73b9e7;border-radius:5px;background:#f8fcff;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;padding:30px;cursor:pointer}.upload-zone>span{font-family:Arial;font-size:3rem;color:#1975b5}.upload-zone strong{font-size:1rem;margin-top:10px}.upload-zone em{font-style:normal;color:var(--green-dark);margin:6px 0}.upload-zone small{font-family:var(--lato);font-weight:400;color:var(--text)}.upload-zone input{position:absolute;width:1px;height:1px;opacity:0}.file-list{font-size:.84rem;color:var(--text);margin-top:12px}.check{display:grid!important;grid-template-columns:auto 1fr;align-items:start;margin-top:22px}.check input{width:auto;margin:4px 0 0}.check label{font-family:var(--lato);font-weight:400;line-height:1.5}.form-controls{display:flex;justify-content:space-between;gap:12px;border-top:1px solid var(--line);padding-top:22px;margin-top:28px}.form-controls .btn-primary{margin-left:auto}.form-message{display:none;margin-top:18px;padding:14px;border-radius:4px;background:#e8faf3;color:#075f45}.form-message.error{background:#fff0f0;color:#9b2c2c}.review-summary{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:24px}.review-item{background:var(--soft);padding:12px}.review-item span{display:block;font-size:.72rem;color:var(--text)}.review-item strong{font-size:.84rem}.prepare-card{padding:28px;background:linear-gradient(145deg,#f7fbfe,#edf6fb);height:max-content;position:sticky;top:102px}.prepare-card>p{margin-bottom:20px}.prepare-card ul{list-style:none;margin:0;padding:0}.prepare-card li{display:grid;grid-template-columns:48px 1fr;gap:14px;align-items:center;margin:0 0 18px}.prepare-card li>span{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:#d4f7eb;color:var(--navy);font-size:1.35rem}.prepare-card li strong,.prepare-card li small{display:block}.prepare-card li strong{font-size:.8rem;margin-bottom:3px}.prepare-card li small{color:var(--text);line-height:1.3}.secure-note{border-top:1px solid #cbdce8;padding-top:20px;margin-top:22px;display:grid;grid-template-columns:48px 1fr;gap:12px}.secure-note span{font-size:2rem;color:var(--navy-mid)}.secure-note strong{font-size:.8rem}.secure-note p{font-size:.8rem;line-height:1.45;margin:5px 0 0}

footer{padding:48px 0 22px;background:linear-gradient(110deg,var(--navy-dark),#063a65);color:#fff}.footer-grid{display:grid;grid-template-columns:1.25fr .7fr .75fr .9fr;gap:30px}.footer-brand{padding-right:30px;border-right:1px solid rgba(141,199,232,.35)}.footer-brand img{width:210px;filter:brightness(0) invert(1)}footer h3{font-size:.82rem;margin:0 0 13px}.footer-links{display:flex;flex-direction:column;gap:8px}.footer-links a,.footer-contact p{color:#d7e4ee;font-size:.8rem;line-height:1.4;margin:0}.footer-links a:hover{color:#4ce0b7}.footer-contact p+ p{margin-top:7px}.disclaimer{margin-top:28px;padding-top:22px;border-top:1px solid rgba(255,255,255,.15);font-size:.68rem;line-height:1.6;text-align:center;color:#b8cbd9}.disclaimer strong{font-family:var(--lato)}.copyright{display:flex;justify-content:space-between;gap:20px;margin-top:13px;color:#9db4c5;font-size:.69rem}.chat-toggle{position:fixed;right:22px;bottom:22px;z-index:120;width:58px;height:58px;border:0;border-radius:50%;background:linear-gradient(145deg,var(--navy),var(--green));color:#fff;font-size:1.35rem;box-shadow:0 12px 28px rgba(3,31,63,.28);cursor:pointer}.chatbox{position:fixed;z-index:120;right:22px;bottom:91px;width:min(380px,calc(100vw - 30px));height:490px;display:none;flex-direction:column;overflow:hidden;border:1px solid var(--line);border-radius:9px;background:#fff;box-shadow:0 25px 70px rgba(3,31,63,.28)}.chatbox.open{display:flex}.chat-head{display:flex;align-items:center;justify-content:space-between;padding:17px 18px;background:var(--navy);color:#fff;font-family:var(--montserrat);font-weight:700}.chat-close{border:0;background:transparent;color:#fff;font-size:1.2rem;cursor:pointer}.chat-messages{flex:1;overflow:auto;padding:16px;background:var(--soft)}.msg{max-width:86%;padding:10px 12px;border-radius:8px;margin-bottom:10px;color:var(--ink);font-size:.9rem;line-height:1.45}.msg.bot{border:1px solid var(--line);background:#fff}.msg.user{margin-left:auto;background:#d9f7ed}.chat-form{display:flex;gap:8px;padding:12px;border-top:1px solid var(--line)}.chat-form input{flex:1}.chat-form .btn{padding:10px 13px}
.form-card{padding:28px;background:#fff;border:1px solid var(--line);border-radius:5px;box-shadow:var(--shadow)}.admin-table{width:100%;min-width:980px;border-collapse:collapse}.admin-table th,.admin-table td{text-align:left;vertical-align:top;font-size:.8rem}.admin-table .doc,.link{color:var(--green-dark);font-weight:700}

@media(max-width:1050px){.navlinks{gap:20px}.product-grid{grid-template-columns:1fr}.product-card{grid-template-columns:32% 68%;min-height:170px}.benefit-grid{grid-template-columns:1fr 1fr;gap:30px}.benefit-grid article:nth-child(3){border-left:0;padding-left:0}.process-grid{grid-template-columns:1fr 1fr}.process-step:nth-child(2):after{display:none}.loan-detail,.loan-detail.reverse{grid-template-columns:1fr}.loan-detail.reverse .loan-photo{order:0}.loan-photo{height:370px}.application-grid{grid-template-columns:1fr}.prepare-card{position:static}.hero-motto{display:none}}
@media(max-width:800px){header{height:70px}.brand img{width:164px}.menu{display:block}.navlinks{display:none;position:absolute;left:0;right:0;top:70px;padding:22px;background:#fff;box-shadow:0 18px 35px rgba(3,31,63,.12);flex-direction:column;align-items:stretch;gap:0}.nav.mobile-open .navlinks{display:flex}.navlinks>a:not(.btn){height:44px}.navlinks>a.active:not(.btn):after,.navlinks>a:not(.btn):hover:after{bottom:4px}.home-hero,.hero-content{min-height:620px}.hero-content{align-items:flex-start;padding-top:95px}.trust-strip{width:calc(100% - 40px);grid-template-columns:1fr;bottom:24px;gap:10px}.trust-item{border:0;padding:0}.trust-item small{display:none}.line-icon{font-size:1.5rem}.split-story{grid-template-columns:1fr}.story-image{min-height:400px}.feature-row,.mini-features{grid-template-columns:1fr}.feature-row>div,.mini-features div{border:0}.footer-grid{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1;border-right:0;border-bottom:1px solid rgba(141,199,232,.35);padding:0 0 25px}.copyright{flex-direction:column}.form-progress strong{font-size:.7rem}.form-progress li:not(:last-child):after{left:62%;width:76%}}
@media(max-width:600px){.container{width:min(100% - 28px,1180px)}.section{padding:58px 0}h1{font-size:2.55rem}h2{font-size:2rem}.hero-copy{padding-right:0}.hero-lead{font-size:1.15rem}.hero-actions{flex-direction:column;align-items:stretch}.hero-actions .btn{width:100%}.product-card{grid-template-columns:1fr}.product-card img{height:190px}.benefit-grid,.process-grid{grid-template-columns:1fr}.benefit-grid article{border:0!important;padding:0!important}.process-step:after{display:none}.split-story .story-image{min-height:300px}.story-copy{padding:55px 24px}.mini-features{grid-template-columns:1fr}.page-hero{min-height:390px;padding:55px 0}.page-hero h1{font-size:2.45rem}.credit-banner .container{align-items:flex-start}.loan-photo{height:260px}.loan-copy{padding:46px 22px}.feature-row{grid-template-columns:1fr}.application-section{padding-top:18px}.form-progress strong{display:none}.form-progress li:not(:last-child):after{left:65%;width:70%}.form-progress span{width:38px;height:38px}.application-card{padding:23px 18px}.form-grid,.review-summary{grid-template-columns:1fr}.field.full{grid-column:auto}.footer-grid{grid-template-columns:1fr}.chat-toggle{right:14px;bottom:14px}.chatbox{right:15px;bottom:80px}.center-heading{text-align:left}.eyebrow.centered{justify-content:flex-start}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}.reveal{animation:none}}