: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 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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}}