:root{--ink:#183b2b;--green:#2f6e4d;--dark:#214f39;--mint:#dfeee3;--soft:#f7fbf8;--line:#dfe8e2;--gold:#c99b45;--text:#2f3d35}*{box-sizing:border-box}body{background:var(--soft);color:var(--text);display:flex;flex-direction:column;font-family:Arial,Helvetica,sans-serif;margin:0;min-height:100vh;overflow-x:hidden}a{color:inherit;text-decoration:none}.wrap{margin:auto;width:min(1180px,90%)}.logo{max-height:170px;object-fit:contain;width:300px}.btn{background:var(--green);border-radius:8px;color:#fff;display:inline-block;font-weight:700;padding:13px 20px}.btn.alt{background:#fff;border:1px solid var(--green);color:var(--green)}h1,h2{color:var(--ink);font-family:Georgia,serif}h1{font-size:54px;line-height:1.05;margin:0 0 18px}h2{font-size:36px;margin:0 0 12px}.lead{font-size:18px;line-height:1.65}.heroimg{border-radius:18px;display:block;width:100%}.grid{display:grid;gap:18px;grid-template-columns:repeat(3,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px}.card h3{color:var(--ink);margin-top:0}.page{display:none;padding:56px 0;width:100%}.page.active{display:block;flex:1 0 auto}.hero{align-items:center;display:grid;gap:40px;grid-template-columns:1.05fr .95fr;padding:65px 0}.kicker{color:var(--gold);font-size:13px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.footer{background:var(--dark);color:#fff;font-size:14px;margin-top:auto;padding:16px 0 14px;position:relative;z-index:3}.footer .wrap{align-items:center;display:grid;gap:8px 24px;grid-template-columns:1fr auto}.licenses{font-weight:700;line-height:1.4}.footer-brand,.licenses{grid-column:1/-1;text-align:center}.footer-brand{color:#dfeee3}.footer-links{align-items:center;border-bottom:1px solid hsla(0,0%,100%,.2);display:flex;flex-wrap:wrap;font-size:16px;font-weight:800;gap:10px 0;grid-column:1/-1;justify-content:center;padding-bottom:8px}.footer-links a{cursor:pointer;transition:color .2s ease}.footer-links a:not(:last-child):after{color:hsla(0,0%,100%,.55);content:"|";display:inline-block;font-weight:400;margin:0 12px}.footer-links a.current,.footer-links a:hover{color:var(--gold)}.footer-compliance{align-items:stretch;display:flex;gap:14px;grid-column:1/-1;justify-content:center;padding:6px 0 10px}.compliance-badge{align-items:center;background:hsla(0,0%,100%,.08);border:1px solid hsla(0,0%,100%,.48);border-radius:9px;color:#fff;display:flex;gap:10px;min-width:210px;padding:9px 13px;transition:background .2s ease,border-color .2s ease,transform .2s ease}.compliance-badge:hover{background:hsla(0,0%,100%,.14);border-color:var(--gold);transform:translateY(-1px)}.compliance-badge svg{color:var(--gold);flex:0 0 42px;height:42px;width:42px}.compliance-badge span,.compliance-badge strong{display:block}.compliance-badge strong{font-size:13px;line-height:1.2}.compliance-badge span{color:#dfeee3;font-size:11px;line-height:1.25;margin-top:3px}.legal-content{background:#fff;border:1px solid var(--line);border-radius:14px;border-top:4px solid var(--green);margin-top:44px;max-width:980px;padding:34px 38px}.legal-content h2{font-size:26px;margin-top:34px}.legal-content h2:first-of-type{margin-top:0}.legal-content li,.legal-content p{line-height:1.72}.legal-content ul{padding-left:22px}.legal-meta{border-bottom:1px solid var(--line);color:#66736c;font-size:14px;margin:0 0 24px;padding-bottom:18px}.legal-content a{color:var(--green);font-weight:700;text-decoration:underline;text-underline-offset:3px}.program-grid,.why-grid{grid-template-columns:repeat(2,1fr)}.about-intro{align-items:center;display:grid;gap:40px;grid-template-columns:1fr auto;margin-bottom:32px}.about-profile{background:#fff;border-radius:14px;box-shadow:0 10px 28px rgba(24,59,43,.14);justify-self:end;overflow:hidden;width:260px}.about-photo{display:block;height:290px;object-fit:cover;object-position:center 22%;width:100%}.about-title{background:var(--dark);color:#fff;font-size:15px;font-weight:700;letter-spacing:.04em;margin:0;padding:14px 16px;text-align:center}.about-title span{display:block}.about-name{font-size:19px;margin-bottom:4px}.about-contact{background:var(--dark);border-top:1px solid hsla(0,0%,100%,.22);color:#fff;font-size:13px;line-height:1.65;padding:13px 16px 15px;text-align:center}.about-contact p{margin:0}.about-contact .office-line{white-space:nowrap}.about-contact a{color:#fff;font-weight:700}.founder-bio{color:var(--text);line-height:1.75;max-width:680px}.founder-bio p{margin:0 0 14px}.contact{display:grid;gap:18px;grid-template-columns:repeat(3,1fr)}.contact .card{border-top:4px solid var(--green);min-height:110px}.calculator-layout{align-items:stretch;display:grid;gap:24px;grid-template-columns:1.1fr .9fr;margin-top:28px}.calculator-card{border-top:4px solid var(--green)}.calculator-fields{display:grid;gap:18px;grid-template-columns:repeat(2,1fr)}.calculator-field{display:flex;flex-direction:column;gap:7px}.calculator-field label{color:var(--ink);font-size:14px;font-weight:800}.down-payment-heading{align-items:center;display:flex;gap:12px;justify-content:space-between}.down-payment-toggle{background:#eaf2ec;border:1px solid #cbd9cf;border-radius:999px;display:inline-flex;flex:none;padding:3px}.down-payment-toggle .unit-option{background:transparent;border:0;border-radius:999px;color:var(--ink);cursor:pointer;font:inherit;font-weight:800;min-width:38px;padding:5px 10px}.down-payment-toggle .unit-option.active{background:var(--dark);box-shadow:0 2px 5px rgba(0,0,0,.15);color:#fff}.down-payment-toggle .unit-option:focus-visible{outline:3px solid var(--green);outline-offset:2px}.calculator-field input,.calculator-field select{background:#fff;border:1px solid #cbd9cf;border-radius:8px;color:var(--text);font:inherit;padding:12px 13px;width:100%}.calculator-field input:focus,.calculator-field select:focus{border-color:var(--green);outline:3px solid rgba(47,110,77,.18)}.calculator-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}.calculator-actions .btn{border:0;cursor:pointer;font:inherit}.calculator-summary{background:var(--dark);border-radius:14px;box-shadow:0 12px 28px rgba(24,59,43,.14);color:#fff;padding:23px 26px}.calculator-breakdown{border-top:1px solid hsla(0,0%,100%,.24)}.calculator-status{align-items:center;color:#fff;display:flex;font-size:14px;height:44px;line-height:1.35;margin:0 0 6px}.calculator-status.is-empty{visibility:hidden}.calculator-status:not(.is-empty){background:rgba(255,227,154,.12);border-left:3px solid #ffe39a;border-radius:4px;color:#ffe39a;font-weight:700;padding:3px 8px}.result-row{border-bottom:1px solid hsla(0,0%,100%,.16);display:flex;gap:18px;justify-content:space-between;padding:10px 0}.result-row strong{white-space:nowrap}.result-subheading{color:#dfeee3;font-size:12px;font-weight:800;letter-spacing:.06em;padding:16px 0 3px;text-transform:uppercase}.result-row-total{border-top:2px solid hsla(0,0%,100%,.7);color:#fff;font-weight:800;margin-top:10px}.calculator-error{color:#a32626;font-size:14px;font-weight:700;margin:12px 0 0;min-height:20px}.calculator-note{color:#dfeee3;font-size:13px;line-height:1.55;margin:18px 0 0}@media (max-width:850px){.about-intro,.calculator-fields,.calculator-layout,.contact,.grid,.hero,.why-grid{grid-template-columns:1fr}.logo{max-height:130px;width:220px}.footer .wrap{align-items:center;grid-template-columns:1fr;text-align:center}.footer-links{grid-column:1;justify-content:center;width:100%}.footer-links a:not(:last-child):after{margin:0 8px}.footer-compliance{flex-wrap:wrap;grid-column:1;width:100%}.compliance-badge{justify-content:flex-start;min-width:0;text-align:left;width:min(290px,100%)}.footer-brand,.licenses{text-align:center;width:100%}.legal-content{margin-top:34px;padding:26px 22px}.legal-content h2{font-size:23px}.about-profile{justify-self:center;width:min(260px,100%)}h1{font-size:42px}.desktop{display:none}}@media (min-width:851px) and (max-width:1050px){.why-grid{grid-template-columns:repeat(2,1fr)}}.page:not(#page-home){background:#fff;isolation:isolate;min-height:620px;overflow:hidden;padding:0 0 72px;position:relative;z-index:1}.page:not(#page-home):after{content:none}.page:not(#page-home)>.wrap{padding-top:64px;width:min(1180px,90%)}.page:not(#page-home)>.wrap>.kicker{color:var(--gold);margin-bottom:10px}.page:not(#page-home)>.wrap>h1{color:var(--ink);margin-bottom:16px;max-width:760px;text-shadow:none}.page:not(#page-home)>.wrap>.lead{color:var(--text);margin:0;max-width:780px;text-shadow:none}.page:not(#page-home) .about-intro,.page:not(#page-home) .calculator-layout,.page:not(#page-home) .contact,.page:not(#page-home) .grid{margin-top:52px}.page:not(#page-home) .about-copy,.page:not(#page-home) .card{background:#fff;border:1px solid var(--line);border-radius:14px;border-top:4px solid var(--green);box-shadow:none}.page:not(#page-home) .card{transition:border-color .2s ease,box-shadow .2s ease}.page:not(#page-home) .card:hover{background:#fff;border-color:#cbd9cf;border-top-color:var(--green);box-shadow:0 8px 20px rgba(24,59,43,.08)}.page:not(#page-home) .about-intro{align-items:stretch;grid-template-columns:minmax(0,1fr) 300px}.about-copy{padding:24px}.about-copy .founder-bio{max-width:none}.page:not(#page-home) .about-profile{border-radius:14px;box-shadow:0 10px 28px rgba(24,59,43,.14);width:300px}.page:not(#page-home) .calculator-summary{border-radius:14px;border-top:4px solid #5e956f;box-shadow:0 12px 28px rgba(24,59,43,.14)}@media (max-width:850px){.page:not(#page-home){min-height:0;padding-bottom:54px}.page:not(#page-home)>.wrap{padding-top:48px}.page:not(#page-home) .about-intro,.page:not(#page-home) .calculator-layout,.page:not(#page-home) .contact,.page:not(#page-home) .grid{margin-top:38px}.page:not(#page-home) .about-intro{grid-template-columns:1fr}.about-copy{padding:25px 24px}.page:not(#page-home) .about-profile{justify-self:center;width:min(300px,100%)}}header{background:#fff;border-bottom:1px solid var(--line)}.top{align-items:flex-end;display:flex;gap:32px;justify-content:space-between;min-height:82px}.audnav{background:var(--mint);border-bottom:1px solid #cfdfd3;position:sticky;top:0;transition:box-shadow .2s ease;z-index:1000}.audnav.is-stuck{box-shadow:0 8px 22px rgba(24,59,43,.16)}.audnav.is-stuck .wrap{justify-content:flex-start;padding-left:0;padding-right:0}.audnav .wrap{padding:12px 10px}.audnav .wrap,.audnav-links{align-items:center;display:flex;gap:12px;justify-content:center}.mobile-menu-toggle{background:#fff;border:1px solid rgba(47,110,77,.35);border-radius:10px;color:var(--ink);cursor:pointer;display:none;font:inherit;font-size:16px;font-weight:800;min-height:46px;padding:10px 16px}.mobile-menu-toggle:focus-visible{outline:3px solid var(--gold);outline-offset:3px}.menu-icon{display:inline-flex;flex-direction:column;gap:4px;width:22px}.menu-icon span{background:currentColor;border-radius:2px;display:block;height:2px;transition:transform .2s ease,opacity .2s ease;width:100%}.audnav.menu-open .menu-icon span:first-child{transform:translateY(6px) rotate(45deg)}.audnav.menu-open .menu-icon span:nth-child(2){opacity:0}.audnav.menu-open .menu-icon span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}.audnav-logo{display:none;flex:0 0 auto;height:50px;margin-right:12px;object-fit:contain;width:50px}.audnav.is-stuck .audnav-logo{display:block}.audnav a{border-radius:999px;caret-color:transparent;cursor:pointer;font-size:18px;font-weight:800;line-height:1.2;padding:14px 25px;transition:background .2s ease,color .2s ease;user-select:none}.audnav a:focus:not(:focus-visible){outline:none}.audnav a:focus-visible{outline:3px solid var(--gold);outline-offset:3px}.audnav a.current{background:var(--green);color:#fff;transition-delay:.18s}.audnav .wrap:has(a:hover) a.current:not(:hover){background:transparent;color:inherit;transition-delay:0s}.audnav a:hover{background:#4f8f69;color:#fff;transition-delay:0s}.utility{align-items:center;display:flex;font-size:13px;font-weight:700;gap:0;justify-content:center;width:100%}.utility a{background:transparent;color:var(--ink);display:inline-block;font-size:16px;font-weight:800;letter-spacing:.08em;line-height:1.2;padding:5px 17px 8px;position:relative;transition:color .2s ease}.utility a+a{border-left:1px solid #b9cbbf}.utility a:after{background:var(--green);bottom:2px;content:"";height:2px;left:17px;position:absolute;right:17px;transform:scaleX(0);transition:transform .2s ease}.utility a.current,.utility a:hover{background:transparent;color:var(--green)}.utility a.current:after,.utility a:hover:after{transform:scaleX(1)}.header-actions{align-items:stretch;display:flex;flex-direction:column;gap:10px;padding-bottom:8px}.language-picker{align-items:center;display:flex;flex-wrap:wrap;gap:8px;justify-content:center}.language-picker label{color:var(--ink);font-size:16px;font-weight:700}.language-picker select{background:#fff;border:1px solid #b9cbbf;border-radius:6px;color:var(--ink);cursor:pointer;font:inherit;font-size:14px;font-weight:700;max-width:100%;padding:5px 30px 5px 10px}.language-picker select:focus-visible{outline:3px solid var(--green);outline-offset:2px}.header-contact-row{color:var(--ink);display:flex;flex-wrap:wrap;font-size:16px;font-weight:700;gap:6px 22px;justify-content:center;line-height:1.3}.header-contact-row a:hover{color:var(--green)}.header-contact-row span{align-items:center;display:inline-flex;gap:7px}.header-contact-icon{fill:none;flex:0 0 auto;height:20px;stroke:var(--green);stroke-linecap:round;stroke-linejoin:round;stroke-width:2;width:20px}.hero{padding-top:48px}.grid .card{border-top:4px solid var(--green)}.why-grid .card{background:#fff;border:1px solid var(--line);border-radius:14px;border-top:4px solid var(--green);min-height:0;padding:24px}.why-grid .card h3{font-size:19px;margin-bottom:14px}.why-grid .card p{line-height:1.55;margin:0 0 16px}.loan-tags{display:flex;flex-wrap:wrap;gap:8px}.loan-tag{background:var(--dark);border-radius:4px;color:#fff;display:inline-block;font-size:14px;line-height:1.1;padding:7px 10px}@media (max-width:850px){.audnav .wrap{flex-wrap:wrap;gap:8px;justify-content:space-between;padding:9px 0;width:min(100%,94%)}.audnav.is-stuck .wrap{padding-left:0;padding-right:0}.mobile-menu-toggle{align-items:center;display:inline-flex;gap:10px;justify-content:center;margin-left:auto}.audnav:not(.is-stuck) .mobile-menu-toggle{width:100%}.audnav-links{align-items:stretch;border-top:1px solid rgba(47,110,77,.18);display:none;flex:0 0 100%;flex-direction:column;gap:4px;padding:8px 0 2px;width:100%}.audnav.menu-open .audnav-links{display:flex}.utility span{display:none}.top{align-items:center;flex-direction:column;gap:8px;justify-content:center;padding:10px 0 14px}.header-actions{align-items:center;padding-bottom:0}.header-contact-row,.language-picker{justify-content:center}.why-grid .card{min-height:auto;padding:24px}.audnav a{border-radius:8px;font-size:16px;padding:12px 16px;text-align:left;width:100%}.audnav-logo{height:44px;margin-right:6px;width:44px}}