:root{--navy-950:#07172a;--navy-900:#0b2039;--navy-800:#123352;--blue-600:#1d5e86;--gold-500:#f2b84b;--gold-600:#d99a26;--cream-50:#fbf8f1;--cream-100:#f3ecdf;--sand-200:#dfd4c4;--ink-900:#102034;--ink-700:#3b4b5f;--ink-500:#687587;--white:#fff;--success:#286b52;--shadow:0 24px 70px #07172a21;--shadow-soft:0 14px 40px #07172a14;--radius-lg:28px;--radius-md:18px;--radius-sm:12px}*{box-sizing:border-box}html{scroll-behavior:smooth;background:var(--cream-50)}body{background:var(--cream-50);color:var(--ink-900);text-rendering:optimizelegibility;margin:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;font-size:16px;line-height:1.65}body::selection{background:var(--gold-500);color:var(--navy-950)}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button,summary,a{-webkit-tap-highlight-color:transparent}img{max-width:100%;display:block}h1,h2,h3,p{margin-top:0}h1,h2,h3,blockquote{letter-spacing:-.035em;font-family:Georgia,Times New Roman,serif;font-weight:500;line-height:1.08}h1{font-size:clamp(3.2rem,7vw,6.8rem)}h2{font-size:clamp(2.35rem,4.7vw,4.5rem)}h3{font-size:1.55rem}.shell{width:min(1180px,100% - 40px);margin-inline:auto}.section-cream{background:var(--cream-100)}.section-navy{background:var(--navy-950);color:var(--white)}.topline{z-index:50;background:var(--gold-500);color:var(--navy-950);letter-spacing:.02em;font-size:.78rem;font-weight:750;position:relative}.topline-inner{justify-content:space-between;align-items:center;gap:24px;min-height:34px;display:flex}.topline-proof{opacity:.78}.site-header{z-index:40;-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);background:#fbf8f1f0;border-bottom:1px solid #07172a14;position:sticky;top:0}.header-inner{grid-template-columns:auto 1fr auto;align-items:center;gap:24px;width:min(1320px,100% - 40px);min-height:88px;display:grid}.brand{align-items:center;gap:12px;min-width:230px;display:inline-flex}.brand img{object-fit:contain;width:48px;height:48px}.brand span{flex-direction:column;line-height:1.15;display:flex}.brand strong{letter-spacing:-.02em;font-family:Georgia,Times New Roman,serif;font-size:1.05rem}.brand small{color:var(--ink-500);letter-spacing:.07em;text-transform:uppercase;margin-top:5px;font-size:.68rem;font-weight:700}.desktop-nav{justify-self:center;align-items:center;gap:clamp(12px,1.35vw,22px);display:flex}.desktop-nav a{color:var(--ink-700);font-size:.9rem;font-weight:700}.desktop-nav a:hover,.desktop-nav a:focus-visible{color:var(--blue-600)}.desktop-nav .nav-dpa{color:var(--gold-600)}.desktop-nav .nav-dpa:hover,.desktop-nav .nav-dpa:focus-visible{color:#ad6e0c}.header-actions{justify-content:flex-end;align-items:center;gap:20px;display:flex}.header-phone{text-align:right;flex-direction:column;line-height:1.2;display:flex}.header-phone small{color:var(--ink-500);text-transform:uppercase;letter-spacing:.06em;font-size:.7rem;font-weight:700}.header-phone strong{font-size:.96rem}.mobile-menu,.mobile-actions{display:none}.button{cursor:pointer;text-align:center;border:1px solid #0000;border-radius:999px;justify-content:center;align-items:center;gap:9px;min-height:52px;padding:14px 24px;font-size:.9rem;font-weight:800;line-height:1;transition:transform .18s,background .18s,box-shadow .18s;display:inline-flex}.button:hover,.button:focus-visible{transform:translateY(-2px)}.button:focus-visible,a:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline-offset:3px;outline:3px solid #1d5e8652}.button-small{min-height:46px;padding:12px 20px;font-size:.82rem}.button-gold{background:var(--gold-500);color:var(--navy-950);box-shadow:0 12px 28px #f2b84b38}.site-motion-progress i{background:var(--gold-500);box-shadow:none}.button-navy{background:var(--navy-900);color:var(--white)}.button-navy:hover,.button-navy:focus-visible{background:var(--navy-800);box-shadow:var(--shadow-soft)}.button-outline-light{color:var(--white);background:#ffffff0a;border-color:#ffffff6b}.button-outline-navy{color:var(--navy-900);border-color:#07172a33}.eyebrow{color:var(--gold-600);letter-spacing:.14em;text-transform:uppercase;margin-bottom:18px;font-size:.78rem;font-weight:850;line-height:1.4}.section-heading{max-width:760px;margin-bottom:52px}.section-heading h2{margin-bottom:22px}.section-heading>p:last-child{max-width:670px;color:var(--ink-700);margin-bottom:0;font-size:1.07rem}.section-heading-center{text-align:center;margin-inline:auto}.section-heading-center>p:last-child{margin-inline:auto}.home-hero{background:radial-gradient(circle at 82% 18%, #f2b84b2e, transparent 27%), linear-gradient(120deg, var(--navy-950) 0%, var(--navy-900) 67%, #153d5a 100%);color:var(--white);position:relative;overflow:hidden}.home-hero:after{content:"";pointer-events:none;background-image:linear-gradient(#ffffff06 1px,#0000 1px),linear-gradient(90deg,#ffffff06 1px,#0000 1px);background-size:46px 46px;position:absolute;inset:0;-webkit-mask-image:linear-gradient(90deg,#000,#0000 85%);mask-image:linear-gradient(90deg,#000,#0000 85%)}.home-hero-grid{z-index:1;grid-template-columns:minmax(0,1.06fr) minmax(360px,.94fr);align-items:center;gap:50px;min-height:735px;padding-block:70px 80px;display:grid;position:relative}.home-hero h1{max-width:810px;margin-bottom:22px;font-size:clamp(3.2rem,6vw,5.4rem);line-height:1.01}.hero-lede{color:#ffffffc7;max-width:670px;margin-bottom:26px;font-size:clamp(1.05rem,1.8vw,1.3rem)}.hero-actions{flex-wrap:wrap;align-items:center;gap:14px;display:flex}.hero-microcopy{color:#ffffff94;flex-wrap:wrap;gap:10px 24px;margin-top:24px;font-size:.75rem;font-weight:700;display:flex}.hero-microcopy span:before{content:"✓";color:var(--gold-500);margin-right:7px}.hero-portrait{justify-content:center;align-items:flex-end;min-height:580px;display:flex;position:relative}.hero-portrait:before{content:"";aspect-ratio:1;background:linear-gradient(145deg, var(--cream-100), #d2dce2);border-radius:50%;width:min(480px,94%);position:absolute;bottom:24px;box-shadow:0 28px 90px #00000040}.hero-portrait img{z-index:2;aspect-ratio:1;object-fit:contain;filter:drop-shadow(0 18px 30px #0000002e);width:min(520px,100%);position:relative}.portrait-orbit{border:1px solid #f2b84b59;border-radius:50%;position:absolute}.portrait-orbit-one{width:515px;height:515px;bottom:5px}.portrait-orbit-two{opacity:.45;width:590px;height:590px;bottom:-34px}.portrait-card{z-index:3;color:var(--white);box-shadow:var(--shadow-soft);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);background:#07172ac7;border:1px solid #ffffff52;border-radius:16px;flex-direction:column;padding:16px 18px;display:flex;position:absolute}.portrait-card-top{top:108px;right:-12px}.portrait-card-top strong{color:var(--gold-500);font-family:Georgia,Times New Roman,serif;font-size:2rem;line-height:1}.portrait-card-top span,.portrait-card-bottom span{font-size:.72rem}.portrait-card-bottom{min-width:205px;bottom:42px;left:-12px}.portrait-card-kicker{color:var(--gold-500);letter-spacing:.1em;text-transform:uppercase;font-weight:800}.portrait-card-bottom strong{margin:2px 0;font-size:1.05rem}.trust-strip{z-index:4;background:var(--white);box-shadow:var(--shadow-soft);position:relative}.trust-strip-grid{grid-template-columns:repeat(4,1fr);display:grid}.trust-strip-grid>div{border-right:1px solid #07172a14;flex-direction:column;justify-content:center;min-height:112px;padding:22px 28px;display:flex}.trust-strip-grid>div:last-child{border-right:0}.trust-strip strong{font-family:Georgia,Times New Roman,serif;font-size:1.12rem;line-height:1.25}.trust-strip span{color:var(--ink-500);margin-top:4px;font-size:.76rem;font-weight:700}.path-grid{grid-template-columns:repeat(4,1fr);gap:18px;display:grid}.path-card{border-radius:var(--radius-md);background:var(--white);border:1px solid #07172a17;flex-direction:column;min-height:350px;padding:30px;transition:transform .2s,box-shadow .2s,border-color .2s;display:flex;box-shadow:0 4px #07172a05}.path-card:hover,.path-card:focus-visible{box-shadow:var(--shadow-soft);border-color:#d99a2680;transform:translateY(-8px)}.icon-badge{background:var(--navy-900);width:48px;height:48px;color:var(--gold-500);border-radius:50%;justify-content:center;align-items:center;margin-bottom:38px;font-family:Georgia,Times New Roman,serif;font-size:.86rem;font-weight:700;display:inline-flex}.path-card h3{min-height:54px;margin-bottom:16px}.path-card p{color:var(--ink-700);margin-bottom:30px;font-size:.94rem}.path-card>span:last-child{color:var(--blue-600);margin-top:auto;font-size:.82rem;font-weight:800}.calculator-feature{grid-template-columns:minmax(0,.9fr) minmax(430px,1.1fr);align-items:center;gap:clamp(50px,7vw,100px);display:grid}.calculator-copy h2{margin-bottom:26px}.calculator-copy>p{color:var(--ink-700);font-size:1.05rem}.check-list{gap:10px;margin:28px 0 34px;padding:0;list-style:none;display:grid}.check-list li{color:var(--ink-700);padding-left:28px;position:relative}.check-list li:before{content:"✓";color:var(--success);font-weight:900;position:absolute;left:0}.payment-preview{border-radius:var(--radius-lg);background:var(--white);box-shadow:var(--shadow);border:1px solid #07172a14;overflow:hidden}.payment-preview-top{flex-direction:column;padding:38px 38px 28px;display:flex}.payment-preview-top>span{color:var(--ink-500);letter-spacing:.08em;text-transform:uppercase;font-size:.78rem;font-weight:800}.payment-preview-top strong{letter-spacing:-.06em;margin:8px 0 5px;font-family:Georgia,Times New Roman,serif;font-size:clamp(3.4rem,7vw,5.4rem);font-weight:500;line-height:1}.payment-preview-top small{color:var(--ink-500)}.payment-bar{background:var(--cream-100);border-radius:99px;height:10px;margin-inline:38px;display:flex;overflow:hidden}.payment-bar span:first-child{background:var(--navy-900)}.payment-bar span:nth-child(2){background:var(--gold-500)}.payment-bar span:nth-child(3){background:var(--blue-600)}.payment-bar span:nth-child(4){background:#aeb8bd}.payment-preview dl{margin:24px 38px}.payment-preview dl div{border-bottom:1px solid #07172a12;justify-content:space-between;gap:20px;padding:13px 0;display:flex}.payment-preview dt{color:var(--ink-700)}.payment-preview dd{margin:0;font-weight:800}.fine-print{background:var(--cream-50);color:var(--ink-500);margin:0;padding:18px 38px 22px;font-size:.72rem}.story-grid{grid-template-columns:1.05fr .95fr;align-items:center;gap:clamp(50px,7vw,100px);display:grid}.story-image{position:relative}.story-image img{aspect-ratio:1.16;object-fit:cover;border-radius:var(--radius-lg);width:100%;box-shadow:var(--shadow)}.story-image-note{border-radius:var(--radius-md);background:var(--gold-500);width:min(320px,84%);color:var(--navy-950);box-shadow:var(--shadow-soft);flex-direction:column;padding:22px 24px;display:flex;position:absolute;bottom:-28px;right:-24px}.story-image-note strong{font-family:Georgia,Times New Roman,serif;font-size:1.2rem}.story-image-note span{margin-top:5px;font-size:.78rem}.story-copy blockquote{margin:0 0 30px;font-size:clamp(2.2rem,4vw,4rem)}.story-copy>p{color:var(--ink-700);font-size:1.04rem}.story-actions{flex-wrap:wrap;gap:24px;margin-top:32px;display:flex}.text-link{color:var(--blue-600);font-size:.86rem;font-weight:850}.text-link span{margin-left:5px}.process-grid{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.process-grid article{border-radius:var(--radius-md);background:var(--cream-50);min-height:290px;padding:32px}.process-grid article>span{background:var(--gold-500);width:46px;height:46px;color:var(--navy-950);border-radius:50%;justify-content:center;align-items:center;margin-bottom:42px;font-weight:900;display:inline-flex}.process-grid h3{margin-bottom:14px}.process-grid p{color:var(--ink-700)}.rates-grid{grid-template-columns:1fr .78fr;align-items:center;gap:clamp(55px,8vw,120px);display:grid}.rates-grid h2{margin-bottom:24px}.rates-grid>div:first-child>p{color:#ffffffad;max-width:670px;margin-bottom:34px}.rate-list{border-radius:var(--radius-lg);background:#ffffff0d;border:1px solid #ffffff24;padding:18px 32px 24px}.rate-list>div{border-bottom:1px solid #ffffff1a;justify-content:space-between;align-items:center;gap:20px;padding:18px 0;display:flex}.rate-list span{color:#ffffffb8}.rate-list strong{color:var(--gold-500);font-family:Georgia,Times New Roman,serif;font-size:1.6rem;font-weight:500}.rate-list p{color:#ffffff75;margin:18px 0 0;font-size:.7rem}.resource-heading-row{justify-content:space-between;align-items:flex-end;gap:30px;margin-bottom:52px;display:flex}.resource-heading-row .section-heading{margin-bottom:0}.resource-grid{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.resource-card{border-radius:var(--radius-md);background:var(--white);border:1px solid #07172a17;flex-direction:column;min-height:410px;padding:28px;transition:transform .2s,box-shadow .2s;display:flex}.resource-card:hover,.resource-card:focus-visible{box-shadow:var(--shadow-soft);transform:translateY(-7px)}.resource-number{color:var(--sand-200);align-self:flex-end;font-family:Georgia,Times New Roman,serif;font-size:2.8rem;line-height:1}.card-label{letter-spacing:.1em;text-transform:uppercase;margin:50px 0 14px;font-weight:850;color:var(--gold-600)!important;font-size:.72rem!important}.resource-card h3{margin-bottom:16px}.resource-card p{color:var(--ink-700);font-size:.9rem}.resource-read{color:var(--blue-600);margin-top:auto;font-size:.82rem;font-weight:850}.apply-band{background:var(--gold-500);padding:68px 0}.apply-band-inner{justify-content:space-between;align-items:center;gap:40px;display:flex}.apply-band .eyebrow{color:#07172aa6}.apply-band h2{margin-bottom:12px;font-size:clamp(2rem,4vw,3.2rem)}.apply-band p{color:#07172ab8;max-width:760px;margin-bottom:0}.final-cta{background:radial-gradient(circle at 80% 40%, #f2b84b33, transparent 30%), var(--navy-900);color:var(--white);padding:96px 0}.final-cta-inner{justify-content:space-between;align-items:center;gap:60px;display:flex}.final-cta h2{max-width:760px;margin-bottom:18px;font-size:clamp(2.4rem,5vw,4.6rem)}.final-cta p{color:#ffffffa8;max-width:650px;margin-bottom:0}.final-cta-actions{flex-direction:column;gap:12px;min-width:255px;display:flex}.site-footer{background:var(--navy-950);color:var(--white);padding:78px 0 28px}.footer-grid{grid-template-columns:1.7fr repeat(3,1fr);gap:55px;padding-bottom:62px;display:grid}.brand-light small,.footer-brand>p{color:#ffffff8f}.footer-brand>p{max-width:360px;margin:24px 0 14px}.footer-phone{color:var(--gold-500);font-family:Georgia,Times New Roman,serif;font-size:1.6rem}.footer-grid h2{color:#ffffff7a;letter-spacing:.12em;text-transform:uppercase;margin-bottom:20px;font-family:Inter,ui-sans-serif,sans-serif;font-size:.72rem;font-weight:850}.footer-grid>div:not(:first-child){flex-direction:column;gap:10px;display:flex}.footer-grid>div:not(:first-child) a{color:#ffffffbd;font-size:.84rem}.footer-grid a:hover,.footer-grid a:focus-visible{color:var(--gold-500)}.footer-disclosure{border-top:1px solid #ffffff1a;justify-content:space-between;gap:50px;padding-top:26px;display:flex}.footer-disclosure p{color:#ffffff73;max-width:720px;margin-bottom:0;font-size:.68rem;line-height:1.6}.page-hero{background:radial-gradient(circle at 78% 18%, #f2b84b33, transparent 25%), var(--navy-900);color:var(--white);padding:105px 0 92px}.page-hero-inner{max-width:980px;margin-left:max(20px,50vw + min(1180px,100vw - 40px)/-2);margin-right:20px}.page-hero h1{margin-bottom:24px;font-size:clamp(3rem,6.4vw,6.4rem)}.page-hero p:not(.eyebrow){color:#ffffffb8;max-width:760px;margin-bottom:0;font-size:1.16rem}.page-hero .hero-actions{margin-top:34px}.content-section{padding:88px 0}.content-grid-two{grid-template-columns:repeat(2,1fr);gap:24px;display:grid}.info-card{border-radius:var(--radius-md);background:var(--white);border:1px solid #07172a17;padding:34px}.info-card h2,.info-card h3{margin-bottom:18px}.info-card p{color:var(--ink-700)}.anchor-target{scroll-margin-top:130px}.option-row{border-bottom:1px solid #07172a1a;grid-template-columns:.76fr 1.24fr;gap:65px;padding:62px 0;display:grid}.option-row:last-child{border-bottom:0}.option-row h2{font-size:clamp(2.25rem,4vw,3.7rem)}.option-row-copy>p{color:var(--ink-700);font-size:1.05rem}.pill-list{flex-wrap:wrap;gap:8px;margin:24px 0 30px;display:flex}.pill-list span{background:var(--cream-100);color:var(--ink-700);border-radius:999px;padding:8px 12px;font-size:.73rem;font-weight:750}.form-card{border-radius:var(--radius-lg);background:var(--white);box-shadow:var(--shadow-soft);border:1px solid #07172a1a;padding:34px}.field-grid{grid-template-columns:repeat(2,1fr);gap:16px;display:grid}.field{flex-direction:column;gap:7px;margin-bottom:16px;display:flex}.field label,.field>span{color:var(--ink-700);font-size:.76rem;font-weight:800}.field input,.field select,.field textarea{background:var(--white);width:100%;min-height:52px;color:var(--ink-900);border:1px solid #07172a2e;border-radius:10px;padding:13px 14px}.field textarea{resize:vertical;min-height:120px}.checkbox-field{color:var(--ink-700);align-items:flex-start;gap:10px;margin:12px 0;font-size:.74rem;display:flex}.checkbox-field input{flex:none;width:18px;height:18px;margin-top:2px}.form-note{color:var(--ink-500);font-size:.7rem}.preview-note{color:#584917;background:#fff8df;border:1px solid #d7c79d;border-radius:10px;padding:12px 14px;font-size:.75rem}.legal-content{max-width:880px}.legal-content section{border-bottom:1px solid #07172a1a;padding:38px 0;scroll-margin-top:120px}.legal-content h2{font-size:2.4rem}.legal-content p,.legal-content li{color:var(--ink-700)}.tool-layout{grid-template-columns:1fr 1fr;gap:26px;display:grid}.calculator-controls,.calculator-result{border-radius:var(--radius-lg);background:var(--white);box-shadow:var(--shadow-soft);border:1px solid #07172a1a;padding:38px}.tool-card-heading{margin-bottom:28px}.tool-card-heading>span,.result-topline>span{color:var(--gold-600);letter-spacing:.1em;text-transform:uppercase;font-size:.72rem;font-weight:850}.tool-card-heading h2{margin:6px 0 12px;font-size:2.5rem}.tool-card-heading p{color:var(--ink-500);margin-bottom:0}.range-field{margin:8px 0 24px}.range-field>span{justify-content:space-between;display:flex}.range-field strong{color:var(--navy-900);font-size:1rem}.range-field input[type=range]{height:8px;min-height:8px;accent-color:var(--gold-600);border:0;margin:15px 0;padding:0}.calculator-result{background:var(--navy-900);color:var(--white)}.result-topline{justify-content:space-between;align-items:center;gap:20px;display:flex}.result-topline small{color:#ffffff73}.result-total{justify-content:space-between;align-items:center;gap:24px;padding:42px 0 34px;display:flex}.result-total>div:first-child{flex-direction:column;display:flex}.result-total strong{letter-spacing:-.06em;font-family:Georgia,Times New Roman,serif;font-size:clamp(3.2rem,6vw,5rem);font-weight:500;line-height:1}.result-total>div:first-child span{color:#ffffff8c}.payment-donut{border-radius:50%;flex:none;place-items:center;width:146px;height:146px;display:grid}.payment-donut>span{background:var(--navy-900);width:104px;height:104px;color:var(--white);border-radius:50%;flex-direction:column;justify-content:center;align-items:center;font-size:.82rem;font-weight:850;display:flex}.payment-donut 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