/* style.css */
:root{--navy:#001b2e;--blue:#00a6e5;--light:#eef7fc;--white:#fff;--sans:'DM Sans',Arial,sans-serif;--display:'Barlow Condensed','Arial Narrow',sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:25px}body{margin:0;color:var(--navy);background:white;font:16px/1.65 var(--sans)}a{color:inherit;text-decoration:none}button{font:inherit;color:inherit;cursor:pointer;border:0;background:none}a,button{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,[tabindex]:focus-visible{outline:3px solid #006eac;outline-offset:6px}h1,h2,h3,p{margin:0}img{display:block;max-width:100%}::selection{background:var(--blue);color:white}.skip-link{position:absolute;top:-100px;z-index:20;background:white;padding:15px;left:20px}.skip-link:focus{top:10px}.site-header{height:116px;padding:8px 5%;display:flex;align-items:center;justify-content:space-between;position:relative;z-index:5;background:white}.brand{display:block;width:164px}.brand img{width:100%;height:auto}.site-header nav{display:flex;align-items:center;gap:36px;font-size:14px;font-weight:500}.site-header nav>a:not(.nav-contact):hover{color:#0077ab}.nav-contact{display:flex;gap:26px;align-items:center;padding:15px 23px;background:var(--blue);color:var(--navy);font-weight:700}.nav-contact svg,.button svg{width:19px;height:19px;fill:none;stroke:currentColor;stroke-width:1.5}.menu-toggle{display:none;border:1px solid #001b2e3b;padding:8px 17px}.mobile-nav{position:absolute;top:100px;left:0;right:0;z-index:10;background:white;padding:25px 7%;box-shadow:0 10px 12px #001b2e20}.mobile-nav:not([hidden]){display:grid;gap:20px}.hero{height:calc(100svh - 116px);min-height:700px;max-height:1100px;position:relative;color:white;overflow:hidden;background:var(--navy)}.film,.scene,.film-shade{position:absolute;inset:0}.scene{opacity:0;transition:opacity 1.3s ease}.scene.active{opacity:1}.scene img{height:100%;width:100%;object-fit:cover;object-position:center 65%;transform:scale(1.04)}.scene.active img{animation:drift 16s linear forwards}.scene-two img,.scene-three img{object-position:center}.film.paused .scene.active img{animation-play-state:paused}.film-shade{background:linear-gradient(90deg,#001326b8 0%,#00132638 65%,#00132620),linear-gradient(0deg,#001b2e9e,transparent 45%)}.hero-location{position:absolute;top:30px;left:5%;font-size:11px;letter-spacing:.18em}.hero-copy{position:absolute;left:8%;right:5%;bottom:125px}.eyebrow{font-size:12px;font-weight:500;letter-spacing:.12em;display:block;line-height:1.6}.title-divider{padding:0 8px;color:var(--blue)}.hero h1{font:700 clamp(7rem,13.8vw,13.2rem)/.81 var(--display);letter-spacing:-.02em;margin-top:28px}.hero h1 span{color:var(--blue)}.hero-description{margin-top:34px;display:flex;align-items:center;gap:45px}.hero-description p{font-size:20px;letter-spacing:-.025em}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:38px;min-height:56px;padding:16px 24px;font-weight:600;font-size:14px;transition:background .2s,transform .2s}.button:hover{transform:translateY(-2px)}.button-blue{background:var(--blue);color:var(--navy)}.button-blue:hover{background:#24bdf6}.button-navy{background:var(--navy);color:white}.button-navy:hover{background:#123953}.button-white{background:white;color:var(--navy)}.hero-bottom{position:absolute;bottom:30px;left:5%;right:5%;display:flex;justify-content:space-between;align-items:center}.film-player{display:flex;align-items:center;gap:14px}.player-button{width:34px;height:34px;border:1px solid #fff9;border-radius:50%;color:white;padding:0;display:grid;place-items:center;font-size:13px}.film-track{width:90px;height:2px;background:#ffffff50}.film-track i{display:block;height:100%;width:0;background:var(--blue)}.skip-film{font-size:11px;color:white;text-decoration:underline;text-underline-offset:4px}.discover{display:flex;align-items:center;gap:35px;font-size:11px;letter-spacing:.1em}.discover span{font-size:22px}.mortgages{padding:95px 8%;display:grid;grid-template-columns:1fr 1fr;gap:12%}.mortgage-heading .eyebrow{color:#527084;font-size:11px}.mortgage-heading h2{font:700 clamp(3.8rem,5.8vw,6.2rem)/.9 var(--display);letter-spacing:-.015em;margin:27px 0}.mortgage-heading h2 span{color:var(--blue)}.mortgage-heading p{max-width:425px;color:#516779;font-size:16px}.mortgage-options{padding-top:18px}.scenario-tabs{display:flex;border-bottom:1px solid #d1e1eb;gap:34px}.scenario-tab{font-size:20px;font-weight:500;padding:10px 0 15px;color:#577083;position:relative}.scenario-tab.selected{color:var(--navy)}.scenario-tab.selected:after{content:'';position:absolute;left:0;right:0;bottom:-1px;height:3px;background:var(--blue)}.scenario-panel{padding-top:40px}.scenario-panel h3{font-size:34px;line-height:1.17;letter-spacing:-.045em;font-weight:500}.scenario-panel p{margin:25px 0 30px;max-width:435px;color:#516779;font-size:16px}.scenario-panel .button{font-size:13px;gap:25px}.application-link{display:block;text-decoration:underline;text-underline-offset:5px;margin-top:23px;font-size:13px}.home-feature{min-height:760px;position:relative;color:white;display:flex;align-items:center;overflow:hidden}.home-feature>img,.feature-shade{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.feature-shade{background:linear-gradient(90deg,#001b2ec9,transparent 90%)}.feature-copy{position:relative;padding:100px 8%;max-width:950px}.feature-copy .eyebrow{color:white}.feature-copy h2{font:700 clamp(4.3rem,7.9vw,8.5rem)/.86 var(--display);letter-spacing:-.01em;margin:32px 0}.feature-copy h2 span{color:var(--blue)}.feature-copy p{font-size:20px;line-height:1.5;margin-bottom:32px}.lance{padding:100px 8%;background:var(--navy);color:white;display:grid;grid-template-columns:1fr 1fr;gap:12%}.lance-name>.eyebrow{color:#97b6ca;font-size:11px}.lance-name h2{font:700 clamp(4.8rem,8vw,8.4rem)/.86 var(--display);letter-spacing:-.015em;margin:32px 0}.lance-name h2 span{color:var(--blue)}.lance-name>p{font-size:12px;letter-spacing:.15em}.lance-copy{padding-top:30px}.lance-copy h3{font-size:34px;line-height:1.16;letter-spacing:-.04em;font-weight:500;margin-bottom:30px}.lance-copy p{max-width:430px;font-size:16px;line-height:1.75;color:#b2c9d8;margin-bottom:22px}.text-link{font-size:14px;display:inline-block;border-bottom:1px solid;padding-bottom:7px;margin-top:14px}.contact{background:var(--blue);color:var(--navy);display:grid;grid-template-columns:1fr 1fr;gap:12%;align-items:center;padding:70px 8%}.contact h2{font:700 clamp(5.8rem,11vw,11rem)/.83 var(--display);letter-spacing:-.02em;margin-top:30px}.contact h2 span{color:white}.contact-details{display:grid;justify-items:start;padding-top:40px;gap:28px}.phone{font-size:clamp(2rem,4vw,4rem);line-height:1;letter-spacing:-.055em;font-weight:500}.contact-details .button{min-width:230px}.other-contact{display:flex;gap:28px;font-size:13px;text-decoration:underline;text-underline-offset:5px}.site-footer{background:white;padding:42px 5% 24px}.footer-top{display:flex;justify-content:space-between;gap:35px;align-items:center;padding-bottom:35px}.footer-brand{width:180px}.licensing{font-size:12px;color:#415e70;line-height:1.9}.back-top{font-size:12px}.footer-bottom{border-top:1px solid #d9e4ea;padding-top:23px;display:flex;justify-content:space-between;gap:50px;font-size:11px;line-height:1.7;color:#5d7585}.footer-bottom p{max-width:670px}.footer-bottom>span{white-space:nowrap}dialog{width:min(590px,calc(100% - 30px));border:0;padding:55px;background:white;color:var(--navy)}dialog::backdrop{background:#001b2ed9;backdrop-filter:blur(6px)}.dialog-close{position:absolute;right:20px;top:12px;font-size:30px}dialog>.eyebrow{color:#42738c}dialog h2{font:700 68px/.9 var(--display);margin:26px 0}dialog>p{font-size:16px;color:#516779}dialog>.button{margin-top:28px}.dialog-note{font-size:12px!important;line-height:1.75;margin-top:28px}.dialog-note a{text-decoration:underline;text-underline-offset:3px}@keyframes drift{from{transform:scale(1.04) translateX(-.5%)}to{transform:scale(1.13) translateX(.5%)}}@media(max-height:850px) and (min-width:801px){.hero{min-height:630px}.hero-copy{bottom:110px}.hero h1{font-size:clamp(6rem,12vw,10.3rem)}}@media(max-width:1050px){.site-header nav{gap:24px}.mortgages,.lance{gap:7%;padding-left:6%;padding-right:6%}.contact{gap:6%;padding-left:6%;padding-right:6%}.hero h1{font-size:14vw}.hero-description{gap:28px}.hero-description p{font-size:18px}.scenario-panel h3,.lance-copy h3{font-size:30px}.footer-top{gap:25px}.licensing{font-size:11px}}@media(max-width:700px){.site-header{height:104px;padding:5px 6%}.brand{width:144px}.site-header nav{display:none}.menu-toggle{display:block;font-size:13px}.hero{height:calc(100svh - 104px);min-height:650px;max-height:980px}.hero-location{top:25px;left:7%;font-size:9px}.hero-copy{left:7%;right:6%;bottom:110px}.hero-copy>.eyebrow{font-size:9px;letter-spacing:.07em;max-width:300px}.title-divider{padding:0 4px}.hero h1{font-size:20vw;margin-top:25px;line-height:.86}.hero-description{display:block;margin-top:30px}.hero-description p{font-size:17px;margin-bottom:22px}.hero-description .button{font-size:14px;min-height:54px}.hero-bottom{left:7%;right:7%;bottom:26px}.discover{font-size:8px;gap:10px;max-width:105px;line-height:1.5}.discover span{font-size:17px}.film-player{gap:10px}.film-track{width:45px}.skip-film{font-size:9px}.player-button{width:30px;height:30px}.scene-one img{object-position:69% center}.scene-two img,.scene-three img{object-position:center}.mortgages{padding:55px 7%;grid-template-columns:1fr;gap:38px}.mortgage-heading h2{font-size:16vw;margin-top:25px}.mortgage-heading p{font-size:15px}.mortgage-heading .eyebrow{font-size:10px}.mortgage-options{padding-top:0}.scenario-tabs{gap:30px}.scenario-tab{font-size:21px}.scenario-panel{padding-top:30px}.scenario-panel h3{font-size:32px}.scenario-panel p{font-size:15px;margin-top:22px}.scenario-panel .button{width:100%;font-size:13px;padding:16px 20px;gap:10px}.application-link{font-size:12px}.home-feature{min-height:680px;align-items:flex-end}.home-feature>img{object-position:60% center}.feature-shade{background:linear-gradient(0deg,#001b2edb,transparent 100%)}.feature-copy{padding:65px 7%}.feature-copy h2{font-size:15vw;margin:25px 0}.feature-copy p{font-size:18px}.feature-copy>.eyebrow{font-size:10px}.lance{padding:55px 7%;grid-template-columns:1fr;gap:20px}.lance-name h2{font-size:21vw;margin:28px 0}.lance-name>.eyebrow{font-size:10px}.lance-copy{padding-top:20px}.lance-copy h3{font-size:32px}.lance-copy p{font-size:15px}.contact{grid-template-columns:1fr;gap:20px;padding:45px 7% 55px}.contact .eyebrow{font-size:10px}.contact h2{font-size:29vw;margin-top:24px}.contact-details{padding-top:20px;gap:25px}.phone{font-size:10vw}.other-contact{font-size:12px}.footer-top{flex-wrap:wrap;align-items:flex-start;gap:25px}.site-footer{padding:35px 7% 25px}.footer-brand{width:170px}.licensing{width:100%;font-size:11px}.back-top{font-size:11px}.footer-bottom{display:block;font-size:11px}.footer-bottom>span{display:block;margin-top:20px;white-space:normal}dialog{padding:45px 25px 30px}dialog h2{font-size:58px}dialog>p{font-size:15px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}
/* Expanded mortgage expertise, reviews and appointment scheduling */
.hero-description{display:block}.hero-description>p{margin-bottom:24px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.button-glass{background:#001b2e65;color:#fff;border:1px solid #ffffffad;backdrop-filter:blur(5px)}.button-glass:hover{background:#001b2ec4}.button-outline-dark{background:transparent;border:1px solid var(--navy);color:var(--navy)}.service-strip{display:flex;justify-content:center;gap:7%;padding:23px 5%;background:var(--navy);color:#d7e9f4;font-size:12px;letter-spacing:.015em}.upfront{padding:80px 8% 85px;background:var(--light)}.upfront-heading{max-width:740px}.upfront h2,.reviews h2,.faq h2,.scheduling h2{font:700 clamp(3.3rem,5.7vw,6rem)/.9 var(--display);letter-spacing:-.01em;margin:25px 0}.upfront h2 span,.reviews h2 span,.faq h2 span,.scheduling h2 span{color:var(--blue)}.upfront-heading>p{color:#516779}.upfront-questions{display:grid;grid-template-columns:repeat(3,1fr);gap:4%;margin:48px 0 35px}.upfront-questions article{border-top:2px solid var(--blue);padding-top:24px}.upfront-questions h3{font-size:25px;line-height:1.25;letter-spacing:-.035em;font-weight:500;margin-bottom:16px}.upfront-questions p{color:#516779;font-size:15px;line-height:1.7}.fast-closings{padding:90px 8%;display:grid;grid-template-columns:1fr 1fr;gap:12%;background:var(--navy);color:white;align-items:center}.fast-number>.eyebrow{color:#a2bfd0}.fast-number>div{font:700 clamp(8rem,16vw,17rem)/.85 var(--display);color:var(--blue);letter-spacing:-.04em;margin-top:35px;white-space:nowrap}.fast-number>div span{display:block;font-size:.31em;letter-spacing:.04em;color:white;margin-top:15px}.fast-copy h2{font:700 clamp(3.3rem,5vw,5.4rem)/.9 var(--display)}.fast-copy h2 span{color:var(--blue)}.fast-copy>p{font-size:15px;line-height:1.75;color:#b8d0df;margin-top:24px}.fast-copy .fast-lead{font-size:20px;line-height:1.4;color:white}.fast-copy>.button{margin-top:28px}.fast-copy .timing-note{font-size:12px;color:#9ab5c6;margin-top:24px}.reviews{padding:85px 8% 65px;background:white}.reviews-heading>p{color:#516779}.review-links{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #cddde7;border-bottom:1px solid #cddde7;margin-top:40px}.review-links>a{padding:30px 25px 30px 0;display:grid;gap:8px}.review-links>a+a{border-left:1px solid #cddde7;padding-left:30px}.review-platform{font-size:24px;font-weight:600;letter-spacing:-.04em}.review-detail{font-size:15px;color:#516779}.review-action{margin-top:12px;font-size:12px;text-decoration:underline;text-underline-offset:5px}.review-links>a:hover .review-platform{color:#0083ba}.review-note{font-size:11px;color:#607b8d;margin-top:18px}.faq{padding:65px 8% 80px;display:grid;grid-template-columns:1fr 1fr;gap:10%;background:var(--light)}.faq h2{font-size:clamp(3rem,4.8vw,5rem)}.faq details{border-bottom:1px solid #c9dce8;padding:21px 0}.faq details:first-child{border-top:1px solid #c9dce8}.faq summary{font-size:16px;font-weight:500;cursor:pointer;line-height:1.5;padding-right:12px}.faq details p{font-size:14px;color:#516779;line-height:1.75;padding-top:17px}.faq details a{color:#0074a3;text-decoration:underline;text-underline-offset:3px}.scheduling{padding:85px 8%;display:grid;grid-template-columns:1fr 1fr;gap:9%;align-items:start;background:white;scroll-margin-top:20px}.schedule-copy>p{color:#516779;font-size:16px;max-width:390px;margin:28px 0}.schedule-copy .schedule-alt{font-size:14px;margin-top:20px}.schedule-alt a{text-decoration:underline;text-underline-offset:4px;color:var(--navy)}.calendar-shell{border:1px solid #d4e3ec;min-height:480px;position:relative;box-shadow:0 15px 45px #001b2e09}.calendar-placeholder{padding:45px 35px;display:grid;justify-items:start;gap:20px}.calendar-icon{font-size:50px;line-height:1;color:var(--blue)}.calendar-placeholder h3{font-size:34px;line-height:1.15;letter-spacing:-.04em;font-weight:500}.calendar-placeholder p{font-size:14px;color:#516779}.calendar-placeholder>span:last-child{font-size:11px;color:#648194}.calendar-shell iframe{width:100%;min-width:300px;height:700px;border:0;display:block}.footer-social{display:flex;gap:25px;align-items:center;flex-wrap:wrap;padding:10px 0 30px;font-size:12px}.footer-social>span{font-size:10px;letter-spacing:.09em;color:#638296;margin-right:18px}.footer-social>a{text-decoration:underline;text-underline-offset:4px}.contact-details{gap:18px}.contact-details .button{min-width:260px}.scene.active img{animation-duration:26s}
@media(max-width:1050px){.site-header nav{gap:20px;font-size:12px}.nav-contact{padding:14px 18px}.fast-closings,.scheduling,.faq{gap:7%;padding-left:6%;padding-right:6%}.hero h1{font-size:13vw}.hero-copy{bottom:115px}}
@media(max-width:700px){.hero{min-height:760px}.hero-copy{bottom:105px}.hero h1{font-size:20vw}.hero-actions{gap:10px}.hero-actions .button{min-height:49px;font-size:12px;padding:12px 17px;gap:24px}.hero-description>p{font-size:16px;margin-bottom:20px}.service-strip{gap:8px;flex-wrap:wrap;font-size:10px;padding:18px 7%;justify-content:flex-start}.service-strip span+span:before{content:'·';margin-right:8px;color:var(--blue)}.upfront{padding:48px 7%}.upfront h2,.reviews h2,.scheduling h2{font-size:14vw}.upfront-heading>p{font-size:15px}.upfront-questions{grid-template-columns:1fr;gap:27px;margin:32px 0}.upfront-questions article{padding-top:18px}.upfront-questions h3{font-size:24px;margin-bottom:12px}.upfront-questions p{font-size:14px}.fast-closings{padding:55px 7%;grid-template-columns:1fr;gap:45px}.fast-number>div{font-size:42vw;margin-top:27px}.fast-copy h2{font-size:15vw}.fast-copy .fast-lead{font-size:19px}.fast-copy>p{font-size:14px}.fast-copy .timing-note{font-size:11px}.fast-copy>.button{font-size:12px;padding:14px 18px}.reviews{padding:50px 7%}.review-links{grid-template-columns:1fr;margin-top:30px}.review-links>a,.review-links>a+a{border-left:0;border-bottom:1px solid #cddde7;padding:24px 0}.review-links>a:last-child{border-bottom:0}.review-platform{font-size:25px}.review-detail{font-size:14px}.faq{grid-template-columns:1fr;padding:45px 7%;gap:28px}.faq h2{font-size:13vw}.faq summary{font-size:15px}.faq details p{font-size:14px}.scheduling{padding:50px 7%;grid-template-columns:1fr;gap:35px}.schedule-copy>p{font-size:15px}.calendar-placeholder{padding:35px 25px}.calendar-shell{min-height:440px}.calendar-shell iframe{min-width:0}.calendar-placeholder h3{font-size:32px}.footer-social{gap:18px;font-size:12px}.footer-social>span{width:100%}.contact-details .button{width:100%;min-width:0;justify-content:center}.contact-details{width:100%}}
.calendar-placeholder[hidden]{display:none}.calendar-shell{overflow:hidden}#calendar-embed:empty{height:0}.scene-three img{object-position:center 46%}
.scene-three img{object-position:58% 56%}.client-quote{max-width:860px;margin:40px 0 0;border-left:3px solid var(--blue);padding:5px 0 5px 30px}.client-quote blockquote{margin:0;font-size:clamp(1.4rem,2.6vw,2.3rem);line-height:1.3;letter-spacing:-.035em}.client-quote p{font-size:12px;color:#58758a;margin-top:20px}.client-quote p a{text-decoration:underline;text-underline-offset:4px}@media(max-width:700px){.scene-three img{object-position:58% 53%}.client-quote{padding-left:20px}.client-quote p{font-size:11px}}
@media(max-width:700px){.scene-three img{transform:scale(1.7) translateY(-3%)}.scene-three.active img{animation:waterfrontDrift 26s linear forwards}@keyframes waterfrontDrift{from{transform:scale(1.7) translateY(-3%)}to{transform:scale(1.82) translateY(-3%)}}} 
/* V4 refinement: trusted platforms, complete booking panel, centered brand footer */
.review-carousel{margin-top:35px}.review-carousel .client-quote{margin-top:0;min-height:205px}.review-stars{color:#bc8200;font-size:20px;letter-spacing:4px;margin-bottom:16px}.review-controls{display:flex;align-items:center;justify-content:space-between;max-width:860px;margin-top:28px}.review-dots{display:flex;gap:12px}.review-dots button{width:10px;height:10px;border-radius:50%;padding:0;background:#cbdce7}.review-dots button.selected{background:var(--blue);transform:scale(1.2)}.review-nav{display:flex;gap:10px}.review-nav button{width:38px;height:38px;border:1px solid #c5dce9;display:grid;place-items:center;padding:0;font-size:25px;border-radius:50%}.review-nav #review-pause{font-size:12px}.review-links{grid-template-columns:repeat(4,1fr);gap:16px;border:0;margin-top:36px}.review-links>a,.review-links>a+a{border:1px solid #d7e6ef;border-radius:7px;padding:28px 22px;background:#f3f8fc;transition:transform .2s,box-shadow .2s}.review-links>a:hover{transform:translateY(-3px);box-shadow:0 10px 25px #001b2e0d}.review-links .platform-experience{border-top:4px solid #5034bc;background:#f5f3fe}.review-links .platform-zillow{border-top:4px solid #006aff;background:#eff6ff}.review-links .platform-yelp{border-top:4px solid #d32323;background:#fff4f3}.review-links .platform-google{border-top:4px solid #4285f4;background:#f4f8ff}.review-platform{display:flex;align-items:center;gap:10px;font-size:23px}.review-platform>img{width:26px;height:26px;object-fit:contain}.experience-wordmark{font-size:22px;font-weight:700;letter-spacing:-.06em;gap:0;align-items:baseline;color:#5034bc}.experience-wordmark>span{font-size:15px;letter-spacing:-.04em}.review-detail{font-size:13px}.review-action{font-size:12px}.calendar-shell{background:white;border:1px solid #bcd9e9;border-radius:10px;box-shadow:0 18px 50px #001b2e12;min-height:720px}.calendar-header{display:flex;align-items:center;gap:16px;padding:24px;background:var(--navy);color:white}.calendar-header strong{font-size:18px;display:block;line-height:1.3}.calendar-header span{font-size:12px;color:#accfe3;display:block;margin-top:5px}.calendar-badge{width:46px;height:46px;border-radius:7px;background:#00a6e525;display:grid;place-items:center;flex-shrink:0}.calendar-badge svg{width:25px;height:25px;fill:none;stroke:var(--blue);stroke-width:1.5}.calendar-loading{display:flex;align-items:center;justify-content:center;gap:12px;padding:70px 25px;font-size:14px;color:#52768d}.calendar-loading[hidden]{display:none}.loading-dot{width:9px;height:9px;background:var(--blue);border-radius:50%;animation:loadingPulse 1.2s infinite alternate}.calendar-fallback{padding:16px 24px;font-size:11px;color:#52768d;text-align:center;border-top:1px solid #e2edf4}.calendar-fallback>a{color:var(--navy);text-decoration:underline;text-underline-offset:3px}@keyframes loadingPulse{to{opacity:.2;transform:scale(.75)}}.footer-top{flex-direction:column;text-align:center;gap:20px;padding-bottom:28px}.footer-brand{width:205px}.licensing{font-size:12px}.footer-social{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:16px;padding:15px 0 32px}.footer-social>span{margin:0;font-size:11px}.social-icons{display:flex;gap:12px;align-items:center;justify-content:center}.social-icons>a{height:44px;width:44px;border-radius:50%;display:grid;place-items:center;transition:transform .2s,box-shadow .2s}.social-icons>a:hover{transform:translateY(-3px);box-shadow:0 5px 15px #001b2e26}.social-icons img{width:20px;height:20px;object-fit:contain;filter:brightness(0) invert(1)}.social-linkedin{background:#0a66c2}.social-instagram{background:linear-gradient(35deg,#f7a43a,#d62976,#8134af)}.social-facebook{background:#1877f2}.social-x{background:#101010}.social-facebook>img{width:13px}.footer-bottom{display:flex;flex-direction:column;align-items:center;text-align:center;gap:14px}.footer-bottom p{max-width:840px}.footer-final-name{font-size:14px;color:var(--navy);font-weight:600;letter-spacing:.03em}.footer-copyright{font-size:11px}.scene-four img,.scene-five img{object-position:center}.fast-copy>.button{white-space:normal;text-align:left;line-height:1.5}.lance-copy p{max-width:470px}
@media(max-width:1100px){.review-links{grid-template-columns:repeat(2,1fr)}.review-carousel .client-quote{min-height:205px}}@media(max-width:700px){.review-carousel .client-quote{min-height:250px}.review-stars{font-size:18px}.review-links{grid-template-columns:1fr 1fr;gap:10px}.review-links>a,.review-links>a+a{padding:20px 13px}.review-platform{font-size:19px;gap:7px}.review-platform>img{width:21px;height:21px}.experience-wordmark{font-size:18px;gap:0}.experience-wordmark>span{font-size:11px}.review-detail{font-size:12px}.review-action{font-size:11px}.calendar-shell{min-height:700px}.calendar-header{padding:21px 19px;gap:12px}.calendar-header strong{font-size:17px}.calendar-header span{font-size:11px}.footer-top{align-items:center}.footer-social>span{width:auto}.footer-bottom{display:flex}.footer-bottom>span{margin-top:0}.fast-copy>.button{font-size:12px;width:100%;justify-content:center}.footer-brand{width:195px}}
/* Mobile review: consistent centering and stronger footer identity. */
.footer-brand{width:230px}.footer-states{margin-top:9px;max-width:620px}.service-strip{text-align:center}
@media(max-width:700px){.service-strip{justify-content:center;text-align:center}.service-strip span{display:block}.service-strip span:last-child{flex-basis:100%;text-align:center}.service-strip span:last-child:before{content:none}.footer-brand{width:220px}.footer-states{max-width:310px;margin:9px auto 0}}
.footer-policies{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 25px;margin:0 auto;padding:5px 0 28px;max-width:960px;text-align:center;font-size:12px;line-height:1.7}.footer-policies a,.licensing a{text-decoration:underline;text-underline-offset:3px}.footer-address{font-style:normal;color:var(--navy);font-size:12px;line-height:1.7}@media(max-width:700px){.footer-policies{gap:12px 18px;font-size:11px;padding-bottom:25px}.footer-address{font-size:12px}}
.brand-nmls{display:block;text-align:center;font-size:10px;line-height:1.2;color:var(--navy);margin-top:2px}.site-header{height:124px}.hero{height:calc(100svh - 124px)}.lance-name .lance-nmls{font-size:13px;letter-spacing:.08em;color:#b2c9d8;margin:-10px 0 20px}.footer-availability{max-width:720px;margin:14px auto 0;font-size:11px;line-height:1.7}.social-youtube{background:#e62117}.social-zillow{background:#006aff}.social-youtube img{width:23px}.social-icons{flex-wrap:wrap}.additional-profiles{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 22px;max-width:720px;font-size:12px;line-height:1.6}.additional-profiles a{text-decoration:underline;text-underline-offset:3px}.policy-heading{text-align:center;font-size:11px;letter-spacing:.05em;color:#557388;margin:0 0 16px}@media(max-width:700px){.site-header{height:112px}.hero{height:calc(100svh - 112px)}.mobile-nav{top:112px}.hero-copy>.eyebrow{max-width:330px;font-size:9px}.brand-nmls{font-size:9px}.social-icons{gap:10px}.social-icons>a{width:40px;height:40px}.additional-profiles{max-width:330px;font-size:11px;gap:10px 18px}.footer-availability{font-size:11px;max-width:330px}}
.company-license-details{max-width:620px;margin:18px auto 0;font-size:11px;text-align:center}.company-license-details summary{cursor:pointer;text-decoration:underline;text-underline-offset:3px}.company-license-details ul{list-style:none;margin:14px 0 8px;padding:0;line-height:1.9}.footer-visit-note{font-size:11px;color:#557388;margin-top:-6px!important}
/* Save-contact action: direct vCard for phones, independently scannable business QR. */
.save-contact{display:grid;grid-template-columns:1fr 270px;gap:8%;align-items:center;background:#006ea7;color:white;padding:65px 8%}.save-contact h2{font:700 clamp(3.8rem,6.5vw,6.8rem)/.88 var(--display);letter-spacing:-.015em;margin:25px 0}.save-contact h2 span{color:#8fe1ff}.save-contact-copy>p{max-width:510px;font-size:15px;line-height:1.65;color:#e1f2fb;margin:20px 0}.save-contact-copy .contact-card-name{font-size:16px;color:white;line-height:1.5;margin-bottom:20px}.contact-card-name span{font-size:13px;color:#b8e4fa}.save-vcard{gap:17px;justify-content:center}.save-vcard svg{height:21px;width:21px;fill:none;stroke:currentColor;stroke-width:1.6}.quick-connect{display:grid;gap:5px;margin-top:26px}.quick-connect>a{width:fit-content;text-decoration:underline;text-underline-offset:4px;font-size:14px}.quick-connect>span{font-size:12px;color:#c5e9f9}.save-contact-qr{background:white;padding:20px 20px 15px;text-align:center;border-radius:8px;color:var(--navy)}.save-contact-qr img{width:100%;height:auto}.save-contact-qr p{font-size:12px;line-height:1.5;margin:12px 0 2px}@media(max-width:700px){.save-contact{grid-template-columns:1fr;padding:50px 7%;gap:0}.save-contact h2{font-size:17vw}.save-contact-qr{display:none}.save-vcard{width:100%;font-size:14px}.save-contact-copy>p{font-size:14px}.quick-connect>span{font-size:12px}}

/* Clear-answer guides */
.learning{padding:90px 7%;background:#eef7fc}.learning h2{font:700 clamp(40px,5vw,70px)/1 var(--display);margin:16px 0 24px}.learning h2 span{color:#0078a8}.learning-intro{max-width:740px;font-size:18px}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:36px}.guide-card{display:flex;flex-direction:column;background:white;padding:30px;border-top:4px solid var(--blue);transition:transform .2s}.guide-card:hover{transform:translateY(-4px)}.guide-card h3{font:700 34px/1.05 var(--display);margin-bottom:18px}.guide-card p{flex:1}.guide-card span{margin-top:24px;font-weight:700;color:#00678d}.guide-header{display:flex;align-items:center;gap:28px;padding:15px 7%}.guide-header .brand{margin-right:auto}.guide-header>a:not(.brand){font-weight:700}.guide-hero{background:var(--navy);color:white;padding:65px 7%}.guide-hero h1{font:700 clamp(55px,8vw,100px)/.95 var(--display);margin:20px 0 26px}.guide-hero>p{max-width:760px;font-size:22px}.guide-hero .guide-byline{font-size:14px;margin-top:26px;color:#cce7f4}.guide-body{max-width:860px;padding:45px 28px 80px;margin:auto}.guide-body h2{font:700 36px/1.1 var(--display);margin:38px 0 18px}.guide-body p{margin:0 0 18px}.guide-body li{margin:12px 0}.guide-body dt{font-size:20px;font-weight:700;margin:26px 0 6px}.guide-body dd{margin:0}.guide-body a{text-decoration:underline;text-underline-offset:4px;color:#00648d}.guide-callout{background:var(--light);border-left:4px solid var(--blue);padding:24px;margin:26px 0}.guide-callout p:last-child{margin-bottom:0}.guide-next>a{display:block;margin:14px 0;font-weight:700}.guide-sources{border-top:1px solid #bad0dc;margin-top:38px}.guide-sources li{overflow-wrap:anywhere}.guide-header .brand{width:145px}.guide-next{margin-top:30px}.site-header nav{gap:24px}@media(max-width:800px){.guide-grid{grid-template-columns:1fr}.learning{padding:65px 7%}.guide-header{gap:16px;font-size:13px}.guide-header .brand{width:110px}.guide-hero{padding:48px 7%}.guide-hero>p{font-size:19px}.guide-body{padding:22px 7% 60px}}

/* Guided reading: visual rhythm without hiding answers */
.guide-body{max-width:1160px;padding:40px 28px 75px}.guide-chapter{padding:42px;margin:0 0 24px;border-radius:4px;background:#f0f7fb}.guide-chapter h2{margin-top:0;max-width:720px}.guide-chapter>p{max-width:780px}.guide-chapter.chapter-1{background:#001b2e;color:white}.guide-chapter.chapter-1>p{color:#dcecf5}.guide-chapter.chapter-2{background:#d9f3ff}.chapter-label{display:block;font-size:11px;letter-spacing:.15em;font-weight:700;margin-bottom:14px;color:#00648d}.chapter-1 .chapter-label{color:#68d4ff}.concept-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:30px}.concept-card{padding:25px;background:white;color:#001b2e;border-top:4px solid #00a6e5;box-shadow:0 8px 22px #001b2e08}.concept-mark{display:flex;align-items:center;justify-content:center;background:#e2f6ff;border-radius:50%;width:40px;height:40px;font-size:25px;margin-bottom:20px}.concept-card h3{font:700 29px/1.1 var(--display);margin-bottom:14px}.concept-card p{font-size:15px;margin:0;line-height:1.7}.comparison-list{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:28px}.comparison-list li{background:#103447;border-left:3px solid #00a6e5;padding:23px;margin:0;color:#e5f2f8;font-size:15px}.comparison-list strong{display:block;font-size:19px;color:white;margin-bottom:9px}.guide-chapter .guide-callout{background:white;color:#001b2e;font-size:20px;padding:28px}.guide-sources,.guide-next{padding:12px 42px}.guide-sources ul{display:flex;flex-wrap:wrap;gap:12px;list-style:none;padding:0}.guide-sources li{margin:0;flex:1 1 230px}.guide-sources a{display:block;height:100%;background:#eef7fc;padding:18px;font-weight:600;font-size:14px}.guide-next>a{padding:15px 0;border-bottom:1px solid #c5dce8}.chapter-1 .guide-callout li{color:#001b2e}@media(max-width:800px){.guide-body{padding:22px 16px 55px}.guide-chapter{padding:28px 22px;margin-bottom:18px}.concept-grid,.comparison-list{grid-template-columns:1fr}.concept-card{padding:23px}.concept-card h3{font-size:29px}.concept-mark{float:right;margin:0 0 10px 16px}.guide-chapter h2{font-size:34px}.guide-chapter .guide-callout{font-size:18px;padding:23px}.guide-sources,.guide-next{padding:12px 8px}.guide-sources ul{display:grid;grid-template-columns:1fr}.comparison-list li{padding:23px}.guide-hero{padding-bottom:38px}}
/* Mobile-first comfort across the site */
@media(max-width:700px){
body{font-size:16px;line-height:1.7}
.hero{min-height:650px}
.button,.menu-toggle,.player-button,.review-nav button,.dialog-close{min-height:48px;min-width:48px}
.hero-actions{flex-wrap:wrap}.hero-actions .button{font-size:14px;gap:12px;min-height:50px}
.mortgage-heading p,.scenario-panel p,.lance-copy p,.upfront-heading>p,.upfront-questions p,.fast-copy>p,.faq details p,.schedule-copy>p,.save-contact-copy>p{font-size:16px;line-height:1.75}
.upfront-questions{gap:16px}.upfront-questions article{background:#eef7fc;border:0;border-left:3px solid #00a6e5;padding:23px;border-radius:3px}
.upfront-questions h3{font-size:28px}.scenario-panel{padding:27px 22px;background:#eef7fc;margin-top:22px}
.scenario-tab{min-height:48px}.application-link{display:block;padding:12px 0;font-size:14px}
.lance-copy p{margin-bottom:25px}.lance-copy .text-link{display:inline-flex;min-height:48px;align-items:center}
.fast-copy .timing-note,.review-note,.licensing,.footer-bottom,.footer-policies,.additional-profiles,.quick-connect>span{font-size:13px;line-height:1.65}
.faq details{padding:10px 0}.faq summary{font-size:17px;min-height:48px;padding-top:10px;padding-bottom:10px}
.social-icons>a{width:48px;height:48px}.footer-policies a,.additional-profiles a,.other-contact a{display:inline-flex;min-height:44px;align-items:center;justify-content:center}
.review-dots button{min-width:32px;min-height:32px;border:10px solid transparent;background-clip:padding-box}.review-controls{flex-wrap:wrap;gap:16px}
.guide-card p,.concept-card p,.comparison-list li{font-size:16px}.guide-header>a:not(.brand){min-height:48px;display:flex;align-items:center}.guide-card{padding:25px}
.guide-sources a,.guide-next>a{min-height:48px}.save-contact-copy .contact-card-name{line-height:1.65}
}

.seller-options{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:28px}.hero-learn-link{display:block;color:white;text-decoration:underline;text-underline-offset:5px;font-size:14px;margin:12px 0;min-height:44px}.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}@media(max-width:800px){.seller-options,.guide-grid{grid-template-columns:1fr}.hero-learn-link{font-size:14px;margin:8px 0 16px;display:flex;align-items:center;min-height:44px}}

.market-evidence{display:flex;gap:28px;align-items:center;background:#103447;padding:26px;margin:28px 0;border-left:4px solid #00a6e5}.market-evidence strong{font:700 74px/1 var(--display);color:#68d4ff}.market-evidence p{margin:0;font-size:15px}@media(max-width:700px){.market-evidence{display:block;padding:24px}.market-evidence strong{display:block;margin-bottom:18px}.market-evidence p{font-size:16px}}

.program-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:28px}.program-grid .concept-card p+p{margin-top:17px}.program-cap{font:700 36px/1.1 var(--display);color:#00719e;margin:22px 0}.limit-list{padding:0;list-style:none}.limit-list li{display:flex;justify-content:space-between;gap:15px;border-bottom:1px solid #d3e4ec;padding:12px 0;font-size:14px}.limit-list strong{font-size:22px;color:#006c97}.credit-math{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin:28px 0}.credit-math>div{background:#103447;padding:24px}.credit-math span{display:block;font-size:14px;color:#dbeef7}.credit-math strong{display:block;font:700 48px/1.2 var(--display);color:#68d4ff;margin-top:12px}@media(max-width:800px){.program-grid,.credit-math{grid-template-columns:1fr}.credit-math>div{display:flex;align-items:center;justify-content:space-between;gap:18px}.credit-math strong{font-size:38px;margin:0}.limit-list li{font-size:16px}}

.review-platform.experience-official{display:flex;min-height:38px}.review-platform.experience-official img{width:175px;height:auto;max-width:100%;filter:none}.platform-zillow .review-platform img{width:36px;height:36px}.additional-profiles .profile-badge{display:inline-flex;gap:9px;align-items:center;justify-content:center;background:white;color:#001b2e;border:1px solid #c7dce8;border-radius:6px;padding:12px 16px;min-height:52px;text-decoration:none;font-size:14px;font-weight:700}.profile-badge img{width:23px;height:23px;filter:none}.profile-badge.experience-badge img{width:162px;height:auto}.social-icons .social-zillow{background:#006aff}.social-icons .social-zillow img{filter:brightness(0) invert(1);width:27px;height:27px}@media(max-width:700px){.review-platform.experience-official img{width:145px}.platform-zillow .review-platform img{width:30px;height:30px}.additional-profiles{max-width:100%;gap:12px}.additional-profiles .profile-badge{min-height:52px}.profile-badge.experience-badge{flex-basis:100%;max-width:235px}.review-links>a{min-height:145px}}

.clarity-plan{padding:80px 7%;background:white}.clarity-intro{max-width:780px;margin-bottom:35px}.clarity-intro h2{font:700 clamp(42px,5vw,70px)/1 var(--display);margin:18px 0 24px}.clarity-intro h2 span{color:#0078a8}.clarity-intro>p{font-size:18px;max-width:630px}.clarity-rows{display:grid;gap:14px}.clarity-row{display:grid;grid-template-columns:minmax(220px,.8fr) 1.2fr;gap:35px;padding:28px 32px;background:#eef7fc;border-left:4px solid #00a6e5}.clarity-row:nth-child(even){background:#001b2e;color:white}.clarity-row h3{font:700 30px/1.1 var(--display);align-self:center}.clarity-row p{font-size:16px;max-width:640px}.clarity-row a{display:inline-flex;align-items:center;min-height:48px;font-size:14px;font-weight:700;text-decoration:underline;text-underline-offset:4px;color:#006a94}.clarity-row:nth-child(even) a{color:#73d9ff}@media(max-width:700px){.clarity-plan{padding:55px 7%}.clarity-row{grid-template-columns:1fr;gap:15px;padding:24px}.clarity-intro>p{font-size:16px}.clarity-row h3{font-size:29px}}

.guide-header{position:sticky;top:0;background:#fff;z-index:20;border-bottom:1px solid #d8e6ee}.guide-header .brand{min-height:48px}.guide-navigation{display:flex;align-items:center;gap:22px}.guide-navigation a{display:inline-flex;align-items:center;min-height:48px;font-weight:700;font-size:14px}.guide-return{display:flex;justify-content:space-between;gap:20px;margin-top:35px;padding:24px 0;border-top:1px solid #c5dce8}.guide-return a{display:inline-flex;align-items:center;min-height:48px;font-weight:700}.footer-brand{min-height:48px}@media(max-width:700px){.guide-header{padding:8px 5%;gap:10px}.guide-header .brand{width:100px;flex-shrink:0}.guide-navigation{gap:13px;flex-wrap:wrap;justify-content:flex-end}.guide-navigation a{font-size:12px;min-height:48px}.guide-return{flex-direction:column;gap:4px}.guide-hero{scroll-margin-top:100px}}

.prep-checks{display:grid;gap:12px;margin:24px 0}.prep-checks label{display:flex;align-items:flex-start;gap:14px;min-height:52px;padding:18px;background:white;color:#001b2e;border-radius:4px;cursor:pointer}.prep-checks input{width:22px;height:22px;flex:0 0 22px;accent-color:#007aa5;margin-top:3px}.prep-checks label:has(input:checked){background:#dcf4ff}.prep-checks input:focus-visible{outline:3px solid #007aa5;outline-offset:4px}.prep-branches details{background:white;padding:22px;margin:16px 0;border-left:4px solid #00a6e5}.prep-branches summary{font:700 28px/1.2 var(--display);min-height:48px;padding:8px 0;cursor:pointer}.prep-branches .prep-checks label{background:#eef7fc}.prep-branches p{margin-top:18px;font-size:16px}.prep-branches .rsu-program-note{background:#dff4ff;padding:22px;margin-top:22px}.rsu-program-note h3{font:700 28px/1.2 var(--display)}.guide-body .checklist-note{font-size:14px;color:#38566a}@media(max-width:700px){.prep-branches details{padding:20px 16px}.prep-checks label{padding:16px;gap:12px}.prep-branches summary{font-size:26px}.guide-chapter .button{max-width:100%;white-space:normal;text-align:center}.prep-branches .rsu-program-note{padding:18px}}

.prep-summary-description{display:block;margin-top:9px;max-width:680px;font:400 15px/1.6 var(--sans);color:#36556a;letter-spacing:normal}.prep-branches summary:focus-visible{outline:3px solid #007aa5;outline-offset:5px}@media(max-width:700px){.prep-summary-description{font-size:15px;line-height:1.6}}

.source-disclosure{margin-top:20px;border:1px solid #bdd6e5;border-radius:4px;background:#f5f9fc;padding:6px 22px}.source-disclosure summary{min-height:54px;padding:14px 0;cursor:pointer;font-weight:700;font-size:17px}.source-disclosure summary:focus-visible{outline:3px solid #007aa5;outline-offset:4px}.source-disclosure ul{margin:8px 0 20px}.guide-header .brand{width:175px}.site-header .brand{width:185px}.footer-brand{width:250px}.footer-brand .brand-nmls{display:block;text-align:center;font-size:11px;margin-top:5px}@media(max-width:700px){.site-header .brand{width:165px}.guide-header .brand{width:125px}.guide-header{gap:8px}.guide-navigation{gap:10px}.guide-navigation a{font-size:12px}.footer-brand{width:240px}.source-disclosure{padding:5px 16px}.source-disclosure summary{font-size:16px}}

/* ux.css */
/* Editorial, mobile-first reading layer. All content remains ordinary HTML. */
:root{--ink-muted:#3c596b;--line:#c7dce8;--paper:#f4f8fb}
html{scroll-padding-top:130px}body{overflow-wrap:break-word}p{max-width:70ch}figure{margin:0}input,summary,a,button{touch-action:manipulation}
.guide-page{background:var(--paper)}.guide-header{box-shadow:0 4px 20px #001b2e09}.guide-hero{display:grid;grid-template-columns:1.1fr .9fr;gap:45px;padding:55px 7% 80px;align-items:center;overflow:hidden;background:radial-gradient(ellipse at 20% 0,#064160,transparent 70%),#001b2e}.guide-hero-copy{position:relative;z-index:1}.guide-hero h1{font-size:clamp(54px,6.4vw,90px);letter-spacing:-.01em;line-height:.98}.guide-hero-copy>p{font-size:19px;color:#dcecf4;max-width:48ch}.guide-scene{position:relative;border-radius:8px;overflow:hidden;box-shadow:16px 18px 0 #00a6e51c,0 20px 40px #0004;transform:rotate(1deg);aspect-ratio:4/3}.guide-scene img{width:100%;height:100%;object-fit:cover}.guide-scene figcaption{position:absolute;bottom:0;left:0;right:0;padding:20px;background:linear-gradient(transparent,#001b2ec9);color:#fff;font-size:12px;letter-spacing:.05em}.answer-first{position:relative;z-index:2;max-width:1010px;margin:-30px auto 0;padding:34px 40px;background:white;border-top:4px solid var(--blue);box-shadow:0 14px 38px #001b2e0d;border-radius:4px}.answer-first>.eyebrow{color:#00719e;font-size:11px}.answer-first>p:not(.answer-author){font-size:clamp(20px,2.2vw,27px);line-height:1.5;font-weight:500;margin:12px 0 22px;max-width:65ch}.answer-tags{display:flex;flex-wrap:wrap;gap:9px}.answer-tags span{padding:7px 13px;border:1px solid #d5e7f1;border-radius:30px;font-size:12px;color:#36596f}.answer-first .answer-author{font-size:12px;color:#4c6779;margin-top:20px}.guide-body{max-width:1090px;padding-top:28px}.answer-navigation{margin:0 0 32px;padding:8px 22px;border-bottom:1px solid var(--line)}.answer-navigation summary{min-height:48px;padding:12px 0;font-weight:700;cursor:pointer}.answer-navigation nav{display:grid;grid-template-columns:1fr 1fr;gap:8px 24px;padding:14px 0 22px}.answer-navigation a{font-size:14px;min-height:44px;display:flex;align-items:center;text-decoration:none;border-bottom:1px solid #d9e6ee}.guide-chapter{padding:38px 40px;margin-bottom:32px;border-radius:8px;background:white;box-shadow:0 7px 24px #001b2e04}.guide-chapter h2{font:700 clamp(26px,3vw,36px)/1.22 var(--sans);letter-spacing:-.035em;max-width:27ch;margin-bottom:22px}.guide-chapter>p{max-width:65ch;font-size:17px;line-height:1.8}.guide-chapter.chapter-1{background:#04293c}.guide-chapter.chapter-2{background:#e3f3fa}.concept-card{border-top-width:3px;border-radius:4px;box-shadow:0 6px 18px #001b2e08}.concept-card h3{font:700 23px/1.2 var(--sans);letter-spacing:-.025em}.concept-card p{line-height:1.75}.chapter-label{letter-spacing:.12em}.guide-chapter .guide-callout{border-radius:3px;font-size:20px;line-height:1.6}.guide-sources{padding-top:12px}.source-disclosure{background:#fff}.guide-next h2{font:700 28px/1.2 var(--sans);letter-spacing:-.03em}.guide-next{padding-bottom:18px}.reading-progress{height:3px;position:fixed;top:0;left:0;right:0;z-index:40;pointer-events:none}.reading-progress span{display:block;width:100%;height:100%;background:#00a6e5;transform:scaleX(0);transform-origin:left center}
.home-page .mortgage-heading p,.home-page .lance-copy p{max-width:60ch}.home-page .clarity-plan{background:linear-gradient(130deg,#fff,#f0f7fb)}.editorial-line{display:block;width:60px;height:4px;background:#00a6e5;margin-bottom:25px}.clarity-row{border-radius:5px}.guide-card{position:relative;border-radius:7px;box-shadow:0 8px 22px #001b2e08;border-top:0;border-bottom:3px solid #00a6e5;transition:transform .18s,box-shadow .18s}.guide-card:hover{box-shadow:0 16px 32px #001b2e12}.guide-card h3{font-size:31px;letter-spacing:.005em}.guide-card span{min-height:44px;display:flex;align-items:center}.home-page .learning{background:#e9f4fa}.site-footer p{margin-left:auto;margin-right:auto}.brand img{image-rendering:auto}.calendar-shell,#calendar-embed{min-width:0;width:100%}.guide-return a{font-size:15px}.button{min-height:48px}
@media(max-width:800px){html{scroll-padding-top:125px}.guide-hero{grid-template-columns:1fr;gap:25px;padding:38px 7% 57px}.guide-hero h1{font-size:clamp(48px,12vw,68px);line-height:1;margin:16px 0 20px}.guide-hero-copy>p{font-size:17px;line-height:1.65}.guide-scene{aspect-ratio:2.5/1;transform:none;box-shadow:8px 9px 0 #00a6e525}.guide-scene figcaption{font-size:10px;padding:12px 16px}.answer-first{margin:-23px 16px 0;padding:25px 24px}.answer-first>p:not(.answer-author){font-size:20px;line-height:1.6}.answer-tags{gap:7px}.answer-tags span{font-size:11px;padding:6px 10px}.guide-body{padding:22px 16px 50px}.answer-navigation{padding:5px 10px;margin-bottom:22px}.answer-navigation nav{grid-template-columns:1fr}.guide-chapter{padding:28px 23px;margin-bottom:24px}.guide-chapter h2{font-size:27px;line-height:1.25;max-width:25ch}.guide-chapter>p{font-size:16px;line-height:1.8}.concept-card h3{font-size:22px}.concept-card p,.comparison-list li{font-size:16px}.concept-card{padding:22px}.guide-chapter .guide-callout{font-size:18px;line-height:1.7;padding:24px}.guide-sources,.guide-next{padding-left:7px;padding-right:7px}.guide-header .brand{width:118px}.guide-navigation{gap:10px}.guide-navigation a{font-size:12px}.site-header .brand{width:165px}.home-page .learning h2,.home-page .clarity-intro h2{font-size:clamp(38px,10.5vw,60px)}.guide-grid{gap:18px}.guide-card{padding:26px}.guide-card h3{font-size:30px}.guide-card p{font-size:16px;line-height:1.75}.home-page .lance-copy p{line-height:1.8}.hero .hero-copy{bottom:112px}.hero .hero-description{margin-top:24px}.hero-learn-link{margin-bottom:12px}.hero .hero-actions .button{gap:12px}.review-dots{flex-wrap:wrap}}
@media(max-width:360px){.guide-header .brand{width:105px}.guide-navigation{gap:8px}.guide-navigation a{font-size:11px}.answer-first{padding:23px 20px}.guide-chapter{padding:26px 20px}.hero-actions .button{padding-left:13px;padding-right:13px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.guide-card,.guide-scene{transform:none!important;transition:none!important}.reading-progress{display:none}}
/* Findings from contrast and narrow-screen source audit. */
.guide-body .button-navy{color:#fff;text-decoration:none}.guide-body .button-blue{color:#001b2e;text-decoration:none}.skip-link{z-index:100}.mortgage-heading h2 span,.upfront h2 span,.reviews h2 span,.scheduling h2 span,.lance-name h2 span,.clarity-intro h2 span,.learning h2 span{color:#0078a8}.contact h2 span{color:#001b2e}.mobile-nav a,.skip-film,.back-top,.company-license-details summary{min-height:44px;display:flex;align-items:center}.company-license-details summary{justify-content:center}.guide-chapter{scroll-margin-top:130px}.chapter-0{box-shadow:none;background:transparent}.chapter-0 .concept-card{box-shadow:0 5px 20px #001b2e06}.guide-sources>p{max-width:65ch}.source-disclosure summary{list-style:revert}
@media(max-width:700px){.guide-body{padding-left:14px;padding-right:14px}.guide-chapter{padding-left:22px;padding-right:22px}.guide-chapter>p,.concept-card p,.comparison-list li,.prep-checks label{font-size:17px;line-height:1.7}.concept-grid{gap:0}.concept-grid .concept-card{padding:24px 0;border:0;border-top:1px solid #b5d5e5;background:transparent;box-shadow:none}.concept-grid .concept-card:first-child{border-top:0}.concept-mark{background:white}.concept-grid .concept-card h3{font-size:24px}.seller-options,.program-grid{margin-left:-10px;margin-right:-10px}.seller-options .concept-card,.program-grid .concept-card{padding:22px 18px}.prep-branches details{margin-left:-10px;margin-right:-10px}.prep-branches .prep-checks label{padding:15px 12px}.guide-chapter .prep-checks{margin-left:-8px;margin-right:-8px}.prep-summary-description{font-size:15px}.guide-scene{aspect-ratio:2.7/1}.chapter-label{font-size:10px}.guide-card:hover{transform:none}}
@media(max-height:500px){.guide-header{position:relative}.reading-progress{display:none}html{scroll-padding-top:20px}}
/* Preserve contrast when cards become open reading rows. */
.lance-name h2 span{color:#00a6e5}
@media(max-width:700px){.chapter-1 .concept-grid .concept-card{color:#e5f2f8;border-color:#4d7489}.chapter-1 .concept-mark{color:#001b2e;background:#fff}}

.simple-fee-rows{display:grid;gap:12px;margin:28px 0}.simple-fee-rows>div{display:flex;gap:20px;align-items:center;padding:20px;background:#103c53;border-radius:5px}.simple-fee-rows>div>strong{font:700 44px/1 var(--display);color:#72d9ff;min-width:40px;text-align:center}.simple-fee-rows p{margin:0!important;color:#e8f5fb;font-size:16px;line-height:1.6}.simple-fee-rows b{color:#fff}.comparison-extra{margin-top:24px;border-top:1px solid #4d7388;padding-top:12px}.comparison-extra summary{cursor:pointer;font-weight:700;min-height:48px;padding:12px 0}.comparison-extra p{font-size:16px;line-height:1.75;margin-top:16px}@media(max-width:700px){.simple-fee-rows>div{padding:19px 16px;gap:16px}.simple-fee-rows>div>strong{font-size:38px;min-width:30px}}

.guide-scene.seattle-skyline img{object-position:75% 83%}@media(max-width:800px){.guide-scene.seattle-skyline{aspect-ratio:2/1}.guide-scene.seattle-skyline img{object-position:center 78%}}

/* Approved portrait beside Lance’s bio, with its original proportions. */
.lance-headshot{display:block;width:100%;max-width:340px;height:auto;margin-top:28px;border-radius:8px}
@media(max-width:700px){.lance-headshot{max-width:300px}}

/* v27: a quiet, readable footer and lower-density homepage. */
.site-footer{background:#f5f8fa;padding:64px 7% 0;color:#001b2e;overflow:hidden}
.site-footer .footer-top{display:grid;grid-template-columns:minmax(180px,.8fr) minmax(230px,1.2fr) minmax(250px,1fr);align-items:start;gap:42px;text-align:left;padding-bottom:36px}
.site-footer .footer-brand{width:230px;max-width:100%;justify-self:start}
.site-footer .brand-nmls{font-size:14px;line-height:1.5}
.site-footer .licensing,.site-footer .licensing p,.site-footer .footer-states,.site-footer .company-license-details,.site-footer .company-license-details summary,.site-footer .company-license-details li{font-size:16px;line-height:1.7;color:#193e55;letter-spacing:0}
.site-footer .licensing p{margin:0 0 16px}.site-footer .company-license-details summary{min-height:48px;cursor:pointer;padding:8px 0}
.site-footer .back-top{grid-column:1/-1;justify-self:center;min-height:44px;display:flex;align-items:center;font-size:15px}
.footer-contact{min-width:0}.footer-contact h2{font-family:'DM Sans',sans-serif;font-size:20px;letter-spacing:0;line-height:1.4;margin:0 0 12px}
.footer-contact>a{display:flex;align-items:center;min-height:44px;line-height:1.6}.footer-phone{font-size:24px;font-weight:600}.footer-email{font-size:15px;overflow-wrap:anywhere}
.footer-contact-actions{display:flex;flex-wrap:wrap;gap:10px 20px;font-size:16px}.footer-contact-actions a{display:inline-flex;align-items:center;min-height:48px;text-decoration:underline;text-underline-offset:4px}
.site-footer .nmls-access{display:flex;gap:12px;align-items:center;width:fit-content;min-height:64px;margin-top:18px;padding:12px 16px;background:white;border:1px solid #c7d5df;border-radius:7px;color:#001b2e;text-decoration:none;font-size:15px;line-height:1.35}
.nmls-access-name{font-family:'DM Sans',sans-serif;font-size:25px;font-weight:700;letter-spacing:-.03em}.nmls-access small{font-size:14px;color:#38586b}
.site-footer .footer-social>span,.site-footer .policy-heading{font-size:15px;line-height:1.6;color:#38586b}.site-footer .additional-profiles,.site-footer .footer-policies{font-size:15px;line-height:1.7}
.site-footer .additional-profiles>a,.site-footer .footer-policies>a{min-height:44px;display:inline-flex;align-items:center}.site-footer .social-icons>a{width:48px;height:48px}
.site-footer .footer-bottom{font-size:15px;line-height:1.75;color:#38586b;padding-bottom:24px}.site-footer .footer-bottom p{font-size:15px;line-height:1.75;max-width:78ch}.site-footer .footer-address{font-size:16px;line-height:1.7;color:#193e55}.site-footer .footer-copyright,.site-footer .footer-final-name{font-size:15px;line-height:1.6}
.footer-wordmark{position:relative;margin:28px -3vw 0;text-align:center;color:#dce5eb;font-family:'Barlow Condensed',sans-serif;font-weight:700;line-height:.85;letter-spacing:-.015em;pointer-events:none;user-select:none}
.footer-wordmark span{display:block;font-size:clamp(30px,8.1vw,140px);white-space:nowrap}.footer-wordmark span+span{font-size:clamp(76px,20vw,340px);margin-top:8px}
.home-page .mortgage-heading p{max-width:34ch}.home-page .upfront-heading>p{max-width:30ch}.home-page .upfront-questions p{max-width:32ch}.home-page .learning>p{max-width:35ch}.home-page .lance-copy p{max-width:45ch}.home-page .guide-card p{font-size:16px;line-height:1.6}.home-page .lance-headshot{margin-top:24px}
@media(max-width:1000px){.site-footer .footer-top{grid-template-columns:1fr 1fr;gap:32px}.site-footer .footer-brand{grid-column:1/-1;justify-self:center}.site-footer .back-top{grid-column:1/-1}}
@media(max-width:700px){.site-footer{padding:44px 7% 0}.site-footer .footer-top{grid-template-columns:1fr;text-align:center;gap:28px}.site-footer .footer-brand{width:220px}.site-footer .licensing{width:100%}.footer-contact>a,.footer-contact-actions{justify-content:center}.site-footer .nmls-access{margin:18px auto 0}.site-footer .footer-policies{gap:10px 18px}.site-footer .footer-bottom p{font-size:15px}.footer-wordmark{margin-top:22px}}

.site-footer .nmls-access{flex-direction:column;align-items:flex-start;gap:8px;padding:14px 16px}.nmls-mark{display:flex;align-items:center;gap:8px}.nmls-mark img:first-child{width:53px;height:auto}.nmls-mark img+img{width:151.8px;height:auto}.nmls-verify-label{font-size:15px;line-height:1.5}@media(max-width:700px){.site-footer .nmls-access{align-items:center}}

/* fresh-v38.css */
/* Softer controls and spacious, image-led storytelling. */
.button,.nav-contact,.menu-toggle{border-radius:999px!important}.button{padding:18px 28px;font-size:16px;min-height:56px;justify-content:center}.button,.scenario-tab{position:relative;overflow:hidden;isolation:isolate}.button:focus-visible,.scenario-tab:focus-visible{outline-offset:5px}
.hero-actions{gap:14px}.hero-actions .button{min-width:180px}.hero{border-radius:0;overflow:hidden}.site-header nav{gap:26px}.nav-contact{padding:14px 24px}
.home-page .mortgages{display:block;padding:82px 7%;text-align:center}.home-page .mortgage-heading{max-width:850px;margin:0 auto 36px}.home-page .mortgage-heading h2{font-size:clamp(46px,5.5vw,78px);line-height:1.02}.home-page .mortgage-heading p{margin:20px auto 0;max-width:50ch;font-size:19px;line-height:1.6}.mortgage-options{max-width:850px;margin:auto;background:#f1f7fb;border:1px solid #dce7ed;border-radius:32px;padding:32px}
.scenario-tabs{display:grid;grid-template-columns:1fr 1fr;gap:12px;border:0;max-width:660px;margin:auto}.scenario-tab{border:1px solid #b9cedb;border-radius:999px;background:white;font-size:19px;font-weight:600;padding:18px 20px;color:#25495e;min-height:62px}.scenario-tab.selected{background:#001b2e;border-color:#001b2e;color:white;box-shadow:0 6px 16px #001b2e14}.scenario-tab.selected:after{display:none}.scenario-panel{padding:32px 0 0}.scenario-panel h3{font:600 clamp(25px,3vw,34px)/1.3 'DM Sans',sans-serif;letter-spacing:-.025em}.scenario-panel p{margin:18px auto 24px;max-width:48ch;color:#3c596b;font-size:17px}.scenario-panel .button{font-size:16px}.application-link{font-size:15px;margin:18px auto 0;min-height:44px;display:flex;align-items:center;justify-content:center}
.home-page .upfront{background:white;padding-top:60px;padding-bottom:75px}.upfront-questions{gap:18px}.upfront-questions article{background:#f1f7fb;border:1px solid #dce7ed;border-radius:26px;padding:30px!important}.upfront-questions h3{font-size:23px;line-height:1.3}.upfront-questions p{font-size:16px;line-height:1.65}.upfront-heading>p{margin-left:auto;margin-right:auto}.upfront>.button{margin-top:30px}
.home-page .fast-closings{border-radius:32px;margin:0 4% 50px;padding:60px 5%}.home-page .home-feature{border-radius:32px;margin:0 4%;overflow:hidden}.home-page .lance{padding-top:82px;padding-bottom:82px}.lance-headshot{border-radius:28px}.lance-copy h3{font-size:clamp(30px,3vw,42px);line-height:1.15}.lance-copy p{font-size:17px;line-height:1.7}
.home-page .reviews{display:grid;grid-template-columns:1fr 1fr;gap:24px;padding:65px 6%;align-items:stretch}.reviews-heading{padding:48px 42px;border-radius:30px;background:#001b2e;display:flex;flex-direction:column;justify-content:center;min-height:350px}.reviews-heading>.eyebrow{color:#b6dded;font-size:14px}.reviews-heading h2{font-size:clamp(48px,5.1vw,78px);line-height:1.02;color:white;margin:22px 0}.reviews-heading h2 span{color:#00a6e5}.reviews-heading>p{color:#dfedf4;font-size:18px;line-height:1.6;max-width:28ch}.review-carousel{margin:0;background:#f1f7fb;border:1px solid #dce7ed;border-radius:30px;padding:42px;display:flex;flex-direction:column;justify-content:space-between;min-width:0}.review-carousel .client-quote{border:0;padding:0;min-height:215px;max-width:none}.review-carousel blockquote{font-family:'DM Sans',sans-serif;font-size:clamp(21px,2.2vw,29px);font-weight:500;line-height:1.5;letter-spacing:-.025em}.review-carousel .client-quote p{font-size:15px;line-height:1.6;margin-top:22px}.review-controls{gap:18px;flex-wrap:wrap;margin-top:28px}.review-nav button{width:44px;height:44px;background:white}.review-dots button{min-width:32px;min-height:32px}.reviews>.review-links,.reviews>.review-note{grid-column:1/-1}.reviews>.review-links{margin-top:8px;gap:14px}.review-links>a,.review-links>a+a{border-radius:22px;padding:24px}.reviews>.review-note{margin:0;font-size:14px;line-height:1.7;color:#486475}
.home-page .learning{padding:75px 6%;background:#fff}.learning>h2,.learning>.eyebrow,.learning>.learning-intro{display:block;text-align:center;margin-left:auto;margin-right:auto}.learning>.learning-intro{max-width:44ch}.guide-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.home-page .guide-card{display:flex;flex-direction:column;border:1px solid #d8e3eb;border-radius:28px;background:#f5f8fa;overflow:hidden;padding:0;box-shadow:none;min-width:0}.guide-card-image{display:block;width:100%;height:auto;aspect-ratio:16/10;object-fit:cover;padding:9px;border-radius:28px}.guide-card-copy{padding:22px 25px 24px;display:flex;flex-direction:column;flex:1}.home-page .guide-card h3{font:600 clamp(23px,2.2vw,29px)/1.25 'DM Sans',sans-serif;letter-spacing:-.025em;text-transform:none;max-width:20ch}.home-page .guide-card p{font-size:16px;line-height:1.6;margin-top:14px;margin-bottom:14px;max-width:30ch}.home-page .guide-card span{font-size:15px;font-weight:600;margin-top:auto;min-height:44px;color:#006e99}.guide-card:hover{transform:translateY(-4px);box-shadow:0 12px 28px #001b2e0b}
.faq details,.calendar-shell,.save-contact,.guide-scene,.answer-first,.answer-navigation,.guide-sources,.readiness-section,.guide-body details{border-radius:22px}.home-page .faq{padding-top:65px;padding-bottom:65px}.faq details{border:1px solid #d5e3eb;margin-bottom:12px;padding:0 24px;background:white}.faq summary{min-height:64px;padding-top:18px;padding-bottom:18px}.calendar-header{border-radius:22px 22px 0 0}.guide-scene{transform:none;box-shadow:none}.answer-first{border-top:0;border:1px solid #d5e3eb}.answer-tags span{border-radius:999px;font-size:14px}.guide-navigation a{border-radius:999px}.footer-wordmark{margin:0 -3vw 42px}.footer-wordmark span{font-size:clamp(28px,7.4vw,120px)}.footer-wordmark span+span{font-size:clamp(70px,17vw,270px)}.site-footer{padding-top:38px}.site-footer .licensing,.site-footer .licensing p,.site-footer .footer-states,.site-footer .company-license-details,.site-footer .company-license-details summary,.site-footer .company-license-details li{font-size:15px;line-height:1.65}.site-footer .footer-bottom{padding-bottom:30px}.site-footer .nmls-access{border-radius:18px}.footer-contact h2{font-size:19px}
.water-ripple{position:absolute;pointer-events:none;width:38px;height:38px;border:2px solid currentColor;border-radius:50%;opacity:.25;transform:translate(-50%,-50%) scale(.15);box-shadow:0 0 0 10px #00a6e520,0 0 0 20px #00a6e510;animation:waterRipple .65s ease-out forwards;z-index:-1}@keyframes waterRipple{to{transform:translate(-50%,-50%) scale(7);opacity:0}}
@media(max-width:1000px){.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.reviews-heading,.review-carousel{padding:30px}.site-header nav{gap:18px}}
@media(max-width:700px){.hero{border-radius:0}.hero-actions .button{min-width:0;font-size:15px}.home-page .mortgages{padding:55px 6%}.mortgage-options{padding:22px 18px;border-radius:26px}.scenario-tabs{gap:8px}.scenario-tab{font-size:16px;padding:14px 10px;min-height:54px}.scenario-panel{padding-top:28px}.scenario-panel p{font-size:16px}.home-page .mortgage-heading p{font-size:17px}.home-page .upfront{padding:45px 6% 55px}.upfront-questions article{padding:24px!important}.home-page .fast-closings{margin:0 4% 35px;padding:40px 7%;border-radius:26px}.home-page .home-feature{margin:0 4%;border-radius:26px}.home-page .lance{padding:55px 7%}.home-page .reviews{grid-template-columns:1fr;padding:40px 6%;gap:18px}.reviews-heading{min-height:0;padding:32px}.reviews-heading h2{font-size:52px;margin:16px 0}.review-carousel{padding:28px;min-height:350px}.review-carousel .client-quote{min-height:210px}.review-carousel blockquote{font-size:23px}.reviews>.review-links{grid-template-columns:1fr 1fr;gap:10px}.review-links>a,.review-links>a+a{padding:20px 14px;border-radius:18px}.review-platform,.experience-wordmark{font-size:19px}.review-detail{font-size:14px}.review-action{font-size:14px}.home-page .learning{padding:45px 6%}.guide-grid{grid-template-columns:1fr;gap:20px}.guide-card-copy{padding:20px 24px}.home-page .guide-card h3{font-size:27px}.guide-card-image{aspect-ratio:16/9}.faq details{padding:0 18px}.footer-wordmark{margin-bottom:30px}.site-footer .footer-top{gap:24px}}
@media(prefers-reduced-motion:reduce){.water-ripple{display:none}.guide-card:hover{transform:none}.button,.scenario-tab,.guide-card{transition:none!important}}

/* Full-bleed hero meets the navy strip flush; inset image cards keep a white gutter below. */
.home-page .home-feature{margin-bottom:48px}
@media(max-width:700px){.home-page .home-feature{margin-bottom:32px}}

/* Verification belongs with the company policy links, separate from contact actions. */
.site-footer .footer-compliance{margin:0 auto;padding:22px 0 30px;max-width:1200px;border-top:1px solid #d0dee7}.site-footer .footer-compliance .policy-heading{font-size:16px;font-weight:600;color:#193e55;margin-bottom:18px}.footer-verification{display:flex;align-items:flex-start;justify-content:center;gap:32px;margin:24px auto 0;max-width:850px}.footer-verification .company-license-details{flex:1;max-width:520px;text-align:left}.site-footer .footer-verification .nmls-access{margin-top:0;flex-shrink:0}.site-footer .footer-contact .footer-contact-actions{margin-top:10px}.site-footer .footer-policies{margin-bottom:0}@media(max-width:700px){.footer-verification{flex-direction:column;align-items:center;gap:20px}.footer-verification .company-license-details{width:100%;max-width:100%;text-align:center}.footer-verification .company-license-details ul{text-align:left}.site-footer .footer-compliance{padding-top:20px}.site-footer .footer-compliance .policy-heading{max-width:28ch;margin-left:auto;margin-right:auto}}

.site-footer .footer-company-identity{text-align:center;font-size:15px;line-height:1.65;margin:0 auto 20px;color:#38586b}.footer-contact .footer-address{margin-top:16px;font-size:15px;font-style:normal;line-height:1.65}.site-footer .footer-disclaimer{margin:16px auto 0;max-width:78ch;font-size:15px;line-height:1.75}.site-footer .footer-bottom{padding-bottom:34px}

.guide-image-curb{object-position:50% 0%}.guide-image-fast{object-position:50% 25%}.guide-image-condo{object-position:50% 50%}

/* Full-width contact section joins the footer cleanly; control radii stay rounded. */
.home-page .save-contact{border-radius:0}

/* A consistent centered footer hierarchy across desktop and phone. */
.site-footer{display:flex;flex-direction:column}.site-footer>.footer-wordmark{order:0;width:100%;margin-left:0;margin-right:0;color:#dce5eb;text-shadow:none}.site-footer>.footer-top{order:1;width:100%;display:flex;flex-direction:column;align-items:center;gap:24px;text-align:center}.site-footer .footer-brand{align-self:center;justify-self:center;margin:0 auto}.site-footer .footer-contact{order:1;width:100%;max-width:520px}.site-footer .licensing{order:2;width:100%;max-width:750px}.site-footer .back-top{order:3;align-self:center}.site-footer>.footer-social{order:2;width:100%}.site-footer>.footer-compliance{order:3;width:100%}.site-footer>.footer-bottom{order:4;width:100%}.footer-contact>a,.footer-contact-actions{justify-content:center}.footer-contact .footer-address{text-align:center}.site-footer .footer-states{margin-top:22px}.site-footer .footer-states-label{font-weight:600;font-size:15px;line-height:1.6;margin:0 0 8px}.footer-states ul{list-style:none;display:flex;flex-wrap:wrap;justify-content:center;gap:6px 18px;padding:0;margin:0}.footer-states li{font-size:15px;line-height:1.7;white-space:nowrap}@media(max-width:700px){.site-footer .footer-top{gap:22px}.site-footer .footer-contact{order:1}.site-footer .licensing{order:2}.site-footer .footer-states{margin-top:18px}.footer-states ul{gap:6px 16px}}

/* Keep the background wordmark quiet; lift the original vector logo very subtly. */
.site-footer .footer-brand img{filter:drop-shadow(0 1px 0 #fff) drop-shadow(0 5px 4px #001b2e1c)}

/* Calm at rest; a blue embossed reveal for mouse users. */
@media (hover:hover) and (pointer:fine){
 .site-footer>.footer-wordmark{pointer-events:auto}
 .site-footer>.footer-wordmark span{transition:color .24s ease,text-shadow .24s ease,transform .24s ease}
 .site-footer>.footer-wordmark:hover span{color:#0078a8;text-shadow:0 1px 0 #b6e6f6,0 3px 0 #005b80,0 8px 14px #001b2e20;transform:translateY(-3px)}
}
.site-footer .licensing,.site-footer .footer-states,.site-footer .footer-states-label{text-align:center}
.site-footer .footer-states-label{font-weight:700;font-size:16px}
.site-footer .footer-states ul{justify-content:center;padding:0;margin:0;list-style:none}
.site-footer .footer-states li{font-weight:600;font-size:16px}
.site-footer .footer-states{margin-top:0}
.site-footer .footer-personal-nmls{font-size:14px;line-height:1.6;color:#486475;margin:4px 0 12px}
.site-footer>.footer-address{order:2;text-align:center;font-size:15px;line-height:1.7;font-style:normal;margin:0 auto 28px;color:#486475}
@media(prefers-reduced-motion:reduce){.site-footer>.footer-wordmark span{transition:none!important}.site-footer>.footer-wordmark:hover span{transform:none}}
.site-footer .footer-states{margin-left:auto;margin-right:auto}
.site-footer .licensing .footer-states-label{font-size:16px;font-weight:700;margin:0 auto 8px}
/* Branded destinations share one balanced, touch-friendly profile grid. */
.site-footer .additional-profiles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;width:min(100%,720px);margin:0 auto}
.site-footer .additional-profiles .profile-badge{display:flex;justify-content:center;align-items:center;min-width:0;min-height:64px;max-width:none;padding:14px 18px;border-radius:14px;background:#fff;text-decoration:none}
.site-footer .profile-badge.brand-profile img{width:100%;height:30px;object-fit:contain;max-width:165px}
.site-footer .profile-badge.mnd-badge img{height:36px;max-width:150px}
@media(max-width:700px){.site-footer .additional-profiles{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.site-footer .additional-profiles .profile-badge{padding:12px;min-height:62px}.site-footer .profile-badge.experience-badge img{max-width:100%}}

.site-footer .additional-profiles .mnd-badge{background:#212221;border-color:#212221}

/* Dense contact-card QR uses a precise two-pixel module grid. */
.home-page .save-contact{grid-template-columns:minmax(0,1fr) 338px}
.home-page .save-contact-qr{width:338px;justify-self:center}
.home-page .save-contact-qr img{width:298px;max-width:none;height:298px}
@media(min-width:701px) and (max-width:1000px){.home-page .save-contact{grid-template-columns:1fr;gap:32px}.home-page .save-contact-qr{justify-self:start}}
@media(max-width:700px){.home-page .save-contact{grid-template-columns:1fr}.home-page .save-contact-qr{display:none}}

/* Keep company links together; the verification mark closes the group. */
.site-footer .footer-policies .company-license-details{font-size:15px;line-height:1.7;text-align:center;margin:0;max-width:100%;flex-basis:auto}
.site-footer .footer-policies .company-license-details summary{min-height:44px;display:list-item;align-content:center;text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.site-footer .footer-policies .company-license-details[open]{flex-basis:100%;max-width:560px}
.site-footer .footer-policies .company-license-details ul{list-style:none;padding:12px 0;margin:0}
.site-footer .footer-verification{justify-content:center;align-items:center;width:100%}
.site-footer .footer-verification .nmls-access{margin:0 auto}
@media(min-width:701px){.home-page .site-header nav{gap:16px}.home-page .site-header nav>a{font-size:13px}.home-page .site-header nav .nav-contact{padding:12px 16px}}
@media(min-width:701px) and (max-width:1150px){.home-page .site-header nav{display:none}.home-page .menu-toggle{display:block}}
.guide-header .guide-navigation{flex-wrap:wrap;justify-content:flex-end}

.tool-main{max-width:1040px;margin:0 auto;padding:64px 24px 72px}.tool-intro{max-width:760px;margin-bottom:36px}.tool-intro h1{font:700 clamp(46px,7vw,78px)/1.04 'Barlow Condensed',sans-serif;text-transform:uppercase;color:#001b2e;margin:18px 0}.tool-intro p{font-size:19px;line-height:1.65;max-width:58ch}.tool-panel{background:#f1f7fb;border:1px solid #dce7ed;border-radius:26px;padding:32px}.tool-panel h2,.tool-budget h2{font:600 28px/1.25 'DM Sans',sans-serif;letter-spacing:-.025em;margin:0 0 16px}.tool-note{font-size:16px;line-height:1.65;max-width:68ch;margin:18px 0}.calculator-embed{max-width:900px;margin:26px auto;background:white;border-radius:16px;overflow:hidden}.tool-provider{font-size:14px;line-height:1.6;color:#486475}.tool-budget{margin-top:32px;padding:30px;border-radius:24px;background:#001b2e;color:white}.tool-budget h2{color:white}.tool-budget p{font-size:17px;line-height:1.7;max-width:60ch}.tool-budget a{display:inline-block;color:#bdeeff;min-height:44px;padding-top:16px;text-decoration:underline}.tool-page .guide-header{height:auto;min-height:112px}
@media(max-width:700px){.tool-main{padding:36px 18px 48px}.tool-panel{padding:20px 0}.tool-panel>h2,.tool-panel>p{margin-left:18px;margin-right:18px}.tool-intro p{font-size:17px}.calculator-embed{margin:22px auto;width:280px;max-width:100%;border-radius:0}.tool-budget{padding:24px}.guide-header{height:auto;min-height:112px}.guide-header .guide-navigation{gap:10px 16px;max-width:65%;font-size:13px}}

.tools-menu{position:relative;white-space:nowrap}.tools-menu summary{cursor:pointer;min-height:44px;display:flex;align-items:center;gap:6px}.tools-menu summary:after{content:'⌄';font-size:14px}.tools-menu summary::-webkit-details-marker{display:none}.tools-menu-links{position:absolute;top:100%;right:0;z-index:30;min-width:215px;padding:10px;background:white;border:1px solid #dce7ed;border-radius:16px;box-shadow:0 12px 30px #001b2e18}.tools-menu-links a{display:flex;align-items:center;min-height:48px;padding:10px 14px;color:#001b2e;text-decoration:none}.tools-menu-links a:hover,.tools-menu-links a:focus-visible{background:#eef7fc;border-radius:10px}.home-page .site-header .tools-menu{font-size:13px}
.market-panel{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:40px;align-items:start;padding:32px;border:1px solid #dce7ed;border-radius:26px;background:#f1f7fb;margin:0 0 30px}.market-copy h2{font:600 34px/1.15 'DM Sans',sans-serif;letter-spacing:-.035em;margin:18px 0}.market-copy p{font-size:17px;line-height:1.7;max-width:48ch}.market-copy details{margin-top:24px;background:white;padding:18px;border:1px solid #dce7ed;border-radius:16px}.market-copy summary{cursor:pointer;font-weight:600;line-height:1.5}.market-copy details p{font-size:16px;margin-top:14px}.market-widget{width:300px;background:#fff;border-radius:14px;overflow:hidden}.market-bonds{background:#fff}.tool-crosslink{margin-top:24px;font-size:16px}.tool-crosslink a{text-decoration:underline}
@media(max-width:800px){.market-panel{grid-template-columns:1fr;gap:24px;padding:24px}.market-widget{justify-self:center}.market-copy h2{font-size:30px}}
@media(max-width:380px){.market-page .tool-main{padding-left:10px;padding-right:10px}.market-panel{padding:20px 0}.market-copy{padding:0 16px}.market-widget{border-radius:0}.market-page .tool-intro{padding:0 8px}}

@media(max-width:380px){.market-panel{border-left:0;border-right:0}}

.market-reading{margin:34px 0;padding:30px;border-top:1px solid #dce7ed;border-bottom:1px solid #dce7ed}.market-reading h2{font:600 28px/1.25 'DM Sans',sans-serif;margin:14px 0 24px}.market-reading-links{display:grid;grid-template-columns:1fr 1fr;gap:16px}.market-reading-links a{display:flex;flex-direction:column;gap:10px;padding:22px;background:#f1f7fb;border:1px solid #dce7ed;border-radius:18px;text-decoration:none;color:#001b2e}.market-reading-links strong{font-size:17px;color:#006e99}.market-reading-links span,.market-reading>p{font-size:15px;line-height:1.65}.market-reading>p{margin-top:18px;color:#486475}.market-reading-links a:hover{background:#e4f2f9}@media(max-width:700px){.market-reading{padding:26px 0}.market-reading-links{grid-template-columns:1fr}}

.client-menu .tools-menu-links{min-width:255px}.mobile-client-links{display:grid;gap:4px;border-top:1px solid #dce7ed;padding-top:18px;margin-top:4px}.mobile-client-links>span{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:#486475}.mobile-client-links a{display:flex;align-items:center;min-height:44px;padding:8px 0}.guide-header .client-menu{font-size:14px}@media(max-width:700px){.guide-header .tools-menu-links{max-width:calc(100vw - 28px);min-width:220px}.guide-header .client-menu{font-size:13px}}

/* Compact trust proof near the first homepage conversion actions. */
.hero-trust-strip{display:flex;align-items:baseline;flex-wrap:wrap;gap:7px 12px;margin-top:16px;padding-top:13px;border-top:1px solid #ffffff66;max-width:560px;color:#fff}
.hero-trust-strip strong{font-size:17px}.hero-trust-strip span{font-size:13px}.hero-trust-strip a{color:#fff;font-size:13px;font-weight:700;text-decoration:underline;text-underline-offset:3px}.hero-trust-strip small{flex-basis:100%;color:#d6e7ee;font-size:11px}
@media(max-width:700px){.hero-trust-strip{gap:5px 10px;margin-top:12px;padding-top:10px}.hero-trust-strip strong{font-size:15px}.hero-trust-strip span,.hero-trust-strip a{font-size:12px}.hero-trust-strip small{font-size:10px}}

/* heloc-nav-v55.css */
.heloc-nav-link{white-space:normal}.home-page .site-header .heloc-nav-link{white-space:nowrap}@media(min-width:1151px) and (max-width:1300px){.home-page .site-header nav{display:none}.home-page .menu-toggle{display:block}}

/* contact-options-v48.css */
/* Simple primary calling actions; text and email stay together in contact areas. */
.contact-options{display:inline-flex;align-items:center;flex-wrap:wrap;gap:8px 16px;max-width:100%;vertical-align:middle}
.contact-options>a{max-width:100%;white-space:nowrap}
.contact-options-buttons{gap:12px}
.main-contact-options{margin-top:10px}
.footer-contact-actions>.contact-options{justify-content:center}
.nav-contact.call-lance{gap:12px}
.guide-navigation>.call-lance{white-space:normal;text-align:right;max-width:190px}
.call-dialog{width:min(480px,calc(100vw - 32px));max-height:calc(100svh - 32px);overflow:auto;border:0;border-radius:24px;padding:36px;color:#001b2e;background:white;box-shadow:0 24px 80px #001b2e44}
.call-dialog::backdrop{background:#001b2eb3}
.call-dialog-close{position:absolute;top:10px;right:12px;width:44px;height:44px;border-radius:50%;font-size:30px;line-height:1;background:#eef7fc}
.call-dialog h2{font:700 clamp(32px,6vw,42px)/1.1 'Barlow Condensed',sans-serif;margin:18px 0}
.call-dialog p{font-size:16px;line-height:1.6}
.call-dialog label{display:block;font-size:14px;font-weight:600;margin:24px 0 8px}
.call-dialog input{display:block;width:100%;min-width:0;min-height:54px;border:1px solid #abc7d6;border-radius:12px;padding:10px 14px;font:600 24px/1.25 'DM Sans',sans-serif;color:#001b2e;background:#f1f7fb}
.call-dialog-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:18px}
.call-dialog-actions .button{flex:1;min-width:135px;justify-content:center;font-size:15px;padding:14px 18px;white-space:nowrap}
.call-dialog #call-copy-status{min-height:26px;margin-top:14px;font-size:14px;color:#38586b}
@media(min-width:701px) and (max-width:1280px){.home-page .site-header nav{display:none}.home-page .menu-toggle{display:block}}
@media(max-width:700px){.main-contact-options{gap:10px}.main-contact-options .button{font-size:15px;padding:16px 20px}.guide-navigation>.call-lance{max-width:160px}.call-dialog{padding:30px 22px}}
@media(max-width:360px){.main-contact-options .button{padding-left:16px;padding-right:16px}.call-dialog-actions .button{min-width:120px}}

/* brand-ticker-v49.css */
/* A quiet, readable moving brand band beneath the cinematic opening. */
.service-strip.brand-ticker{display:flex;align-items:center;gap:16px;width:100%;max-width:100%;padding:14px 5%;background:#001b2e;color:#e4f3fa;text-align:left;font-size:14px;letter-spacing:.015em;overflow:hidden}
.brand-ticker .ticker-window{min-width:0;flex:1;overflow:hidden}
.brand-ticker .ticker-track{display:block;max-width:100%}
.brand-ticker .ticker-list{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:10px 26px;list-style:none;margin:0;padding:0}
.brand-ticker .ticker-list li{position:relative;flex:none;font-weight:500;line-height:1.6}
.brand-ticker .ticker-list li:after{content:'•';color:#00a6e5;margin-left:26px}
.brand-ticker .ticker-list[aria-hidden="true"]{display:none}
.brand-ticker .ticker-toggle{flex:0 0 auto;min-width:74px;min-height:44px;border:1px solid #7798aa;border-radius:999px;padding:9px 14px;color:#e4f3fa;font-size:12px;line-height:1.2;background:#ffffff08}
.brand-ticker .ticker-toggle:hover{background:#ffffff18}.brand-ticker .ticker-toggle[hidden]{display:none}
.brand-ticker.is-animated .ticker-track{display:flex;width:max-content;max-width:none;animation:swmTicker 113s linear infinite;will-change:transform}
.brand-ticker.is-animated .ticker-list{flex:none;flex-wrap:nowrap;justify-content:flex-start;gap:0;padding-right:26px}
.brand-ticker.is-animated .ticker-list[aria-hidden="true"]{display:flex}
.brand-ticker.is-animated .ticker-list li{white-space:nowrap;margin-right:26px}
.brand-ticker.is-animated .ticker-list li:last-child{margin-right:0}
.brand-ticker.is-paused .ticker-track,.brand-ticker.is-page-hidden .ticker-track{animation-play-state:paused}
@media(hover:hover){.brand-ticker:hover .ticker-track{animation-play-state:paused}}
@keyframes swmTicker{to{transform:translateX(-50%)}}
@media(max-width:700px){.service-strip.brand-ticker{padding:12px 4%;gap:12px;font-size:13px}.brand-ticker .ticker-toggle{min-width:66px;padding:9px 12px}.brand-ticker .ticker-list{gap:8px 20px}.brand-ticker .ticker-list li:after{margin-left:20px}}
@media(prefers-reduced-motion:reduce){.brand-ticker.is-animated .ticker-track{animation:none;transform:none;display:block;width:auto;max-width:100%}.brand-ticker.is-animated .ticker-list{flex-wrap:wrap;justify-content:center;padding:0;gap:10px 26px}.brand-ticker.is-animated .ticker-list li{white-space:normal;margin:0}.brand-ticker.is-animated .ticker-list[aria-hidden="true"],.brand-ticker .ticker-toggle{display:none}}

/* desktop-contact-v51.css */
/* One desktop contact chooser, without adding repeated page-level CTAs. */
.desktop-contact-dialog{width:min(560px,calc(100vw - 32px));max-width:560px;max-height:calc(100svh - 32px);overflow:auto;border:0;border-radius:24px;padding:30px;color:#001b2e;background:#fff;box-shadow:0 24px 80px #001b2e44}
.desktop-contact-dialog::backdrop{background:#001b2eb3}
.desktop-contact-close{position:absolute;top:8px;right:10px;width:44px;height:44px;border-radius:50%;font-size:30px;line-height:1;background:#eef7fc}
.desktop-contact-dialog h2{font:700 clamp(30px,6vw,40px)/1.1 'Barlow Condensed',sans-serif;margin:16px 28px 12px 0}
.desktop-contact-dialog p{font-size:15px;line-height:1.55}
.desktop-contact-actions{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:20px}
.desktop-contact-actions .button{justify-content:center;min-width:0;min-height:48px;padding:12px 16px;font-size:15px}
.desktop-contact-dialog .desktop-provider-note{font-size:13px;color:#486475;margin-top:8px}
.desktop-native-actions{display:flex;flex-wrap:wrap;gap:8px 20px;margin:10px 0 16px;font-size:14px}
.desktop-native-actions a{display:inline-flex;align-items:center;min-height:44px;text-decoration:underline;text-underline-offset:3px}
.desktop-contact-details label,.desktop-message-label{display:block;font-size:13px;font-weight:600;margin:12px 0 5px}
.contact-detail-row{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:8px}
.contact-detail-row input,.desktop-contact-dialog textarea{width:100%;min-width:0;border:1px solid #abc7d6;border-radius:10px;padding:10px 12px;font:14px/1.5 'DM Sans',sans-serif;color:#001b2e;background:#f1f7fb}
.contact-detail-row input{min-height:44px}
.contact-detail-row button,.desktop-copy-message{min-height:44px;border:1px solid #abc7d6;border-radius:10px;padding:8px 12px;background:#eef7fc;font-size:13px;font-weight:600}
.desktop-contact-dialog textarea{display:block;min-height:104px;resize:vertical;white-space:pre-wrap;overflow-wrap:anywhere}
.desktop-copy-message{margin-top:8px}
.desktop-contact-dialog #desktop-contact-status{min-height:24px;margin-top:8px;font-size:13px;color:#38586b}
.desktop-contact-dialog .desktop-contact-privacy{font-size:12px;color:#486475;margin-top:6px}
@media(max-width:500px){.desktop-contact-dialog{padding:26px 20px}.desktop-contact-actions{gap:8px}.desktop-contact-actions .button{padding:12px;font-size:14px}.contact-detail-row{grid-template-columns:minmax(0,1fr)}.contact-detail-row button{justify-self:start}.desktop-native-actions{gap:4px 16px}}

/* footer-identity-v53.css */
/* Keep copyright and the brand together on desktop, preserving the mobile stack. */
.site-footer .footer-identity{display:flex;flex-direction:column;align-items:center;gap:14px;max-width:100%}
@media(min-width:701px){.site-footer .footer-identity{flex-direction:row;justify-content:center;align-items:baseline;gap:.4em;white-space:nowrap}}

/* home-equity-v58.css */

.home-page .equity-discovery{padding:64px 7% 48px;background:#f1f7fb;border-top:1px solid #e1ebf0;border-bottom:1px solid #e1ebf0}.equity-discovery-heading{text-align:center;max-width:900px;margin:0 auto 34px}.equity-discovery-heading h2{font:700 clamp(40px,4.5vw,64px)/1.04 var(--display);text-transform:uppercase;margin:17px 0 0;letter-spacing:-.012em;color:var(--navy)}.equity-discovery-heading h2 span{color:#0078a8}.equity-discovery-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;max-width:1240px;margin:auto}.equity-discovery-card{display:flex;flex-direction:column;min-width:0;padding:30px 28px 22px;background:#fff;border:1px solid #d8e3eb;border-radius:26px}.equity-discovery-card h3{font:600 clamp(22px,2.1vw,27px)/1.25 var(--sans);letter-spacing:-.025em;text-transform:none;color:var(--navy);margin:0 0 17px}.equity-discovery-card p{font-size:16px;line-height:1.65;color:#486475;margin:0 0 21px;max-width:33ch}.equity-discovery-card a{display:inline-flex;align-items:center;justify-content:space-between;gap:12px;min-height:48px;margin-top:auto;padding:9px 0;font:600 14px/1.5 var(--sans);color:#006e99;text-decoration:underline;text-underline-offset:4px}.equity-discovery-card a:hover{color:#003f60}.equity-discovery-card a:focus-visible{outline:3px solid #0078a8;outline-offset:5px;border-radius:3px}.equity-discovery-card svg{width:19px;height:19px;flex-shrink:0;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}.equity-discovery-note{max-width:1100px;margin:25px auto 0;text-align:center;font-size:13px;line-height:1.75;color:#486475}
@media(max-width:1000px){.equity-discovery-grid{gap:17px}.equity-discovery-card{padding:25px 22px 19px}.equity-discovery-card h3{font-size:24px}.equity-discovery-card a{font-size:13px}}
@media(max-width:800px){.home-page .equity-discovery{padding:48px 6% 39px}.equity-discovery-heading{margin-bottom:27px}.equity-discovery-heading h2{font-size:46px}.equity-discovery-grid{grid-template-columns:1fr;gap:17px;max-width:640px}.equity-discovery-card{padding:26px 25px 18px;border-radius:24px}.equity-discovery-card h3{font-size:25px;margin-bottom:14px}.equity-discovery-card p{max-width:100%;margin-bottom:15px}.equity-discovery-card a{font-size:14px;justify-content:flex-start}.equity-discovery-note{text-align:left;max-width:640px;margin-top:23px}}
@media(max-width:400px){.equity-discovery-heading h2{font-size:40px}.equity-discovery-card{padding-left:22px;padding-right:22px}}

.equity-roof-logo{display:flex;align-items:center;justify-content:center;align-self:center;width:224px;max-width:100%;padding:14px 16px;background:#001b2e;border-radius:10px;margin-bottom:19px;box-sizing:border-box}.equity-roof-logo img{display:block;width:100%;height:auto}.equity-roof-partner p strong{display:block;color:var(--navy);font-weight:600;margin-bottom:8px}

/* bbb-profile-v61.css */
/* Original BBB graphic; scoped to the homepage reviews section. */
.reviews>.bbb-profile{grid-column:1/-1;display:grid;grid-template-columns:minmax(0,420px) minmax(0,1fr);align-items:center;gap:clamp(24px,4vw,56px);margin-top:8px;padding:28px 32px;border:1px solid #dce7ed;border-radius:26px;background:#fff;scroll-margin-top:110px}
.bbb-profile-graphic{display:block;width:100%;max-width:420px;justify-self:center;border-radius:8px}
.bbb-profile-graphic img{display:block;width:100%;height:auto;max-width:100%;object-fit:contain}
.bbb-profile-copy{min-width:0}
.bbb-profile-copy h3{font-family:'DM Sans',sans-serif;font-size:clamp(23px,2.3vw,30px);font-weight:600;line-height:1.25;letter-spacing:-.025em;margin:0 0 14px;color:#001b2e}
.bbb-profile-copy>p{font-size:16px;line-height:1.65;color:#486475;margin:0 0 12px;max-width:42ch}
.bbb-profile-link{display:inline-flex;align-items:center;flex-wrap:wrap;gap:0 5px;min-height:44px;color:#006f9e;font-size:16px;font-weight:600;line-height:1.5;text-decoration:underline;text-underline-offset:4px}
.bbb-profile-new-tab{font-size:12px;font-weight:400}
.bbb-profile-copy>.bbb-profile-help{font-size:13px;margin:8px 0 0}
.bbb-profile-graphic:focus-visible,.bbb-profile-link:focus-visible{outline:3px solid #0078a8;outline-offset:5px}
@media(max-width:900px){.reviews>.bbb-profile{grid-template-columns:minmax(0,1fr);gap:22px;padding:22px 16px;border-radius:22px}.bbb-profile-graphic{max-width:420px}.bbb-profile-copy h3{font-size:25px}.bbb-profile-copy>p{font-size:15px}.bbb-profile-link{font-size:15px}}

/* homepage-layout-v62.css */
/* Keep the intro labels, main copy, and player in separate flowing rows. */
.home-page .hero{display:grid;grid-template-columns:minmax(0,1fr);grid-template-rows:auto 1fr auto;row-gap:28px;height:auto;min-height:max(650px,calc(100svh - 124px));max-height:none;padding:30px 5%;isolation:isolate}
.home-page .hero-location{position:relative;inset:auto;align-self:start;z-index:1}
.home-page .hero .hero-copy{position:relative;inset:auto;align-self:end;min-width:0;padding-left:3vw;z-index:1}
.home-page .hero-bottom{position:relative;inset:auto;min-width:0;z-index:1;gap:20px;flex-wrap:wrap}
/* Balance the BBB text and original graphic toward the right on desktop. */
.reviews>.bbb-profile{width:100%;max-width:960px;justify-self:end;margin-left:auto;grid-template-columns:minmax(0,1fr) minmax(0,360px)}
.bbb-profile-graphic{max-width:360px}
@media(max-width:900px){.reviews>.bbb-profile{max-width:none;grid-template-columns:minmax(0,1fr)}.bbb-profile-graphic{max-width:420px}}
@media(max-width:700px){.home-page .hero{padding:25px 7% 26px;min-height:max(650px,calc(100svh - 112px))}.home-page .hero .hero-copy{padding-left:0}.home-page .hero-bottom{gap:16px}}

/* program-guides-v64.css */
/* Spacious, accessible program guides within the existing SWM design. */
.program-guide .guide-hero h1{font-size:clamp(48px,6vw,84px);line-height:1.02;overflow-wrap:normal}
.program-guide .program-actions{display:flex;align-items:center;gap:18px 24px;flex-wrap:wrap;margin:24px 0}
.program-guide .program-text-link{display:inline-flex;align-items:center;min-height:44px;font-weight:600;text-decoration:underline;text-underline-offset:4px}
.program-guide .program-chapter{margin-bottom:28px;padding:38px 40px;background:#fff;color:#001b2e}
.program-guide .program-chapter:nth-of-type(even){background:#f0f7fb}
.program-guide .program-chapter>p+p{margin-top:20px}
.program-guide .program-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:30px 0}
.program-guide .program-card{padding:26px 24px;border:1px solid #d5e4ed;border-top:3px solid #00a6e5;border-radius:14px;background:#fff}
.program-guide .program-card h3{font:600 22px/1.25 var(--sans);letter-spacing:-.025em;margin-bottom:14px}
.program-guide .program-card p{font-size:16px;line-height:1.7;color:#486475}
.program-guide .program-list{padding-left:22px;margin:22px 0;max-width:68ch;line-height:1.75}
.program-guide .program-list li{padding:0;margin:0 0 12px}
.program-guide .source-disclosure{margin-top:24px;background:#fff;border:1px solid #d5e4ed;border-radius:10px;padding:0 22px}
.program-guide .source-disclosure summary{min-height:52px;padding:14px 0;font-weight:600;cursor:pointer}
.program-guide .source-disclosure>p,.program-guide .source-disclosure>ul{font-size:15px;line-height:1.75;margin:0 0 20px}
.program-guide .source-disclosure a{overflow-wrap:anywhere}
.program-guide .program-faq details{border-bottom:1px solid #cbdde8;padding:0}
.program-guide .program-faq summary{min-height:56px;padding:18px 26px 18px 0;line-height:1.5;font-weight:600;cursor:pointer}
.program-guide .program-faq p{font-size:16px;line-height:1.75;padding-bottom:22px;max-width:65ch}
.program-guide .program-small,.program-guide .program-disclosure p{font-size:14px;line-height:1.75;color:#486475}
.program-guide .program-disclosure{padding:24px 40px;border-top:1px solid #cbdde8;margin:30px 0}
@media(max-width:900px){.program-guide .program-cards{grid-template-columns:minmax(0,1fr)}}
@media(max-width:700px){.program-guide .guide-hero h1{font-size:clamp(44px,11vw,68px)}.program-guide .program-chapter{padding:28px 23px}.program-guide .program-card{padding:24px 22px}.program-guide .program-disclosure{padding:24px 7px}.program-guide .program-actions{align-items:stretch;gap:12px}.program-guide .program-actions .button{width:100%;justify-content:center}.program-guide .program-text-link{justify-content:center}.program-guide .source-disclosure{padding:0 18px}}

.home-page .featured-guides{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px;margin:30px 0 28px}.home-page .featured-guides .guide-card{min-width:0}.home-page .featured-guides .guide-card-image{aspect-ratio:16/9}.home-page .featured-guides .guide-card-copy{padding:26px 28px}@media(max-width:700px){.home-page .featured-guides{grid-template-columns:minmax(0,1fr);gap:20px}.home-page .featured-guides .guide-card-copy{padding:24px}}

.program-guide .program-cards-four{grid-template-columns:repeat(2,minmax(0,1fr))}.program-guide .program-card-kicker{display:block;font-size:11px;font-weight:700;line-height:1.6;letter-spacing:.09em;color:#547080;margin-bottom:12px}.program-guide .program-card p+p{margin-top:16px}@media(max-width:700px){.program-guide .program-cards-four{grid-template-columns:minmax(0,1fr)}}

.program-guide .program-card .program-card-caution{font-size:14px;line-height:1.7;color:#547080}.program-guide .bbys-scene{transform:none;aspect-ratio:4/3;box-shadow:none}.program-guide .bbys-scene img{object-fit:contain}.program-guide.stock-income-guide .guide-hero h1{font:600 clamp(34px,4vw,54px)/1.08 var(--sans);letter-spacing:-.04em}.program-guide.stock-income-guide .guide-hero-copy>p{font-size:18px;line-height:1.7}@media(max-width:800px){.program-guide .bbys-scene{aspect-ratio:4/3}.program-guide.stock-income-guide .guide-hero h1{font-size:clamp(34px,6.4vw,48px)}}

.home-page .featured-guides a[href="/buy-before-you-sell/"] .guide-card-image{object-fit:contain;background:#eaf5fb}

/* reviews-panel-v64.css */
/* A brighter client-review feature within SWM's existing palette. */
.home-page .reviews .reviews-heading{background:#00a6e5;color:#001b2e;border-radius:30px;padding:46px 42px;min-height:390px;align-items:flex-start}
.home-page .reviews .reviews-heading>.eyebrow{color:#00354c;font-size:12px;letter-spacing:.13em;font-weight:700}
.home-page .reviews .reviews-heading h2{font:600 clamp(36px,4.1vw,58px)/1.1 var(--sans);letter-spacing:-.04em;color:#001b2e;margin:25px 0 28px;max-width:12ch}
.home-page .reviews .reviews-heading h2 span{display:block;font:500 clamp(22px,2.15vw,30px)/1.25 var(--sans);letter-spacing:-.025em;color:#001b2e;margin-top:18px;max-width:17ch}
.home-page .reviews .reviews-heading .reviews-more{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:13px 20px;background:#fff;border:1px solid #fff;border-radius:30px;color:#001b2e;font-size:14px;font-weight:700;line-height:1.5;text-decoration:none;gap:10px}
.home-page .reviews .reviews-heading .reviews-more:hover{background:#eaf7fc;border-color:#001b2e}
.home-page .reviews .reviews-heading .reviews-more:focus-visible{outline:3px solid #001b2e;outline-offset:5px}
.home-page .reviews .review-carousel{padding:46px 42px;background:#f4f8fa;border-color:#d8e5ec;min-width:0;min-height:390px}
.home-page .reviews .review-carousel .client-quote{min-height:220px}
.home-page .reviews .review-carousel blockquote{font-size:clamp(22px,2.2vw,29px);line-height:1.5;letter-spacing:-.025em}
@media(max-width:900px){.home-page .reviews .reviews-heading,.home-page .reviews .review-carousel{padding:34px 30px}.home-page .reviews .reviews-heading h2{font-size:38px}.home-page .reviews .reviews-heading h2 span{font-size:24px}}
@media(max-width:700px){.home-page .reviews .reviews-heading{min-height:0;padding:34px 30px}.home-page .reviews .reviews-heading h2{font-size:42px;margin:22px 0 28px}.home-page .reviews .reviews-heading h2 span{font-size:25px;margin-top:17px}.home-page .reviews .review-carousel{padding:32px 28px;min-height:350px}.home-page .reviews .review-carousel .client-quote{min-height:210px}.home-page .reviews .review-carousel blockquote{font-size:23px}.home-page .reviews .reviews-heading .reviews-more{font-size:14px;max-width:100%;text-align:center}}

/* local-photography-v65.css */
/* Isolated photography review; all existing content and contact behavior are preserved. */
.local-roots-photo,.service-context-photo,.next-chapter-photo{margin:32px 0 0;min-width:0}
.local-roots-photo img,.service-context-photo img,.next-chapter-photo img{display:block;width:100%;height:auto;border-radius:22px}
.local-roots-photo figcaption,.service-context-photo figcaption,.next-chapter-photo figcaption{margin-top:10px;font-size:12px;line-height:1.6;letter-spacing:.02em}
.local-roots-photo figcaption{color:#b2c9d8}.service-context-photo figcaption,.next-chapter-photo figcaption{color:#547080}
.home-page .lance-copy .local-roots-photo{max-width:520px;margin-top:38px}
.home-page .faq .service-context-photo{max-width:560px;margin-top:34px}
.guide-page .guide-scene.photo-refresh-hero{aspect-ratio:auto;transform:none;box-shadow:none;align-self:center;background:#eef7fc;overflow:hidden}
.guide-page .guide-scene.photo-refresh-hero img{position:static;width:100%;height:auto;object-fit:contain;object-position:center}
.guide-page .guide-scene.purchase-lifestyle figcaption{position:static;padding:10px 16px;background:#eef7fc;color:#547080;font-size:12px;text-shadow:none}
.program-guide #your-move .move-story{display:grid;grid-template-columns:1.1fr 1fr;gap:28px;align-items:center}
.program-guide #your-move .move-story>.program-cards{grid-template-columns:minmax(0,1fr);gap:18px}
.program-guide #your-move .next-chapter-photo{margin:0}
@media(max-width:800px){.program-guide #your-move .move-story{grid-template-columns:minmax(0,1fr);gap:24px}.home-page .lance-copy .local-roots-photo,.home-page .faq .service-context-photo{max-width:none}.program-guide #your-move .next-chapter-photo{max-width:600px;width:100%;margin:0 auto}.local-roots-photo img,.service-context-photo img,.next-chapter-photo img{border-radius:18px}}

/* imagery-correction-v66.css */
/* Scoped imagery and BBYS clarity corrections. */
.bbys-considerations{margin:18px 0 22px;color:#36596f}.bbys-considerations h2{font:600 16px/1.4 var(--sans);letter-spacing:0;text-transform:none;margin:0 0 8px}.bbys-considerations ul{display:block;margin:0;padding-left:1.25em;list-style:disc}.bbys-considerations li{display:list-item;padding:2px 0;border:0;border-radius:0;background:none;box-shadow:none;font-size:15px;line-height:1.65;cursor:default}
.image-corrected-guide .guide-scene{aspect-ratio:auto;align-self:center;background:#eef7fc;overflow:hidden}.image-corrected-guide .guide-scene img{display:block;width:100%;height:auto;object-fit:contain;object-position:center}.image-corrected-guide .guide-scene figcaption{position:static;padding:10px 16px;background:#eef7fc;color:#547080;font-size:12px;text-shadow:none}
.founder-home-photo .photo-frame{aspect-ratio:16/9;overflow:hidden;border-radius:22px}.founder-home-photo .photo-frame img{display:block;width:100%;height:100%;object-fit:cover;object-position:center top}.home-page .guide-card-image.guide-logo-panel{aspect-ratio:3/2;object-fit:contain;background:#eef6fa}.home-page .guide-card p.employer-note{font-size:13px;line-height:1.5;color:#547080;margin-top:0}
.guide-hero-copy>p.employer-relationship{font-size:14px;line-height:1.6;color:#b7cdd9;max-width:55ch}

/* bbys-checklist-v67.css */
/* Approved BBYS illustration and document checklist refinements. */
.home-page .guide-card-image.bbys-move-image{aspect-ratio:4/3;height:auto;object-fit:contain;background:#fff}
.home-page .guide-card p.bbys-image-note{font-size:13px;line-height:1.55;color:#547080;margin-top:0;flex:0}
.program-guide .guide-scene.bbys-move-scene{aspect-ratio:auto;transform:none;background:#fff}
.program-guide .bbys-move-scene img{display:block;width:100%;height:auto;object-fit:contain}
.program-guide .bbys-move-scene figcaption{position:static;background:#f1f7fa;padding:16px 20px;color:#36596f;font-size:14px;line-height:1.6;letter-spacing:0}
.program-guide .bbys-move-scene figcaption strong,.program-guide .bbys-move-scene figcaption span,.program-guide .bbys-move-scene figcaption small{display:block;margin:0 0 5px}
.program-guide .bbys-move-scene figcaption small{font-size:13px;margin:8px 0 0}
.document-checklist-page .guide-hero h1{font-size:clamp(44px,5vw,72px);line-height:1.03;max-width:20ch;overflow-wrap:normal}
@media(max-width:800px){.document-checklist-page .guide-hero h1{font-size:clamp(40px,10vw,62px)}.program-guide .bbys-move-scene figcaption{padding:15px 18px}}

/* buying-opportunity-v69.css */
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body .site-footer .footer-brand .brand-nmls{font-size:12px;line-height:1.4;margin-top:6px}
body .site-footer .footer-policies .company-brand-link{display:inline-flex;flex-direction:column;align-items:center;justify-content:center;max-width:100%;line-height:1.5}
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/* Buyer Intelligence Brief: an editorial report, with one clear next step. */
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/* Shared, accessible home links for both footer wordmarks. */
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/* buyer-transparency-v143.css */
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/* Homepage-only editorial direction; cinematic controls and journeys stay intact. */
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/* Keep the hero lead white despite earlier shared span rules; fit navigation at intermediate widths. */
.home-page .hero .home-statement .home-statement-lead{color:#fff}
@media(min-width:1001px) and (max-width:1300px){.home-page .site-header nav{flex:1;min-width:0;flex-wrap:wrap;justify-content:flex-end;column-gap:14px;row-gap:4px}.home-page .site-header{gap:22px}.home-page .site-header .brand{flex-shrink:0}}