:root{
  --navy:#0C1848; --navy-2:#14235f; --blue:#008AFC; --blue-dark:#006fd0; --red:#E21C21;
  --ink:#1B1B1E; --muted:#5a6072; --line:#e3e6ee; --soft:#f4f6fa; --white:#fff;
  --radius:10px; --max:1180px;
  --sans:'Raleway',system-ui,-apple-system,Segoe UI,Arial,sans-serif;
  --body:'Lato',system-ui,-apple-system,Segoe UI,Arial,sans-serif;
  --script:'Playfair Display',Georgia,serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--body);color:var(--ink);line-height:1.65;font-size:17px;background:#fff}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue-dark)}
h1,h2,h3,h4{font-family:var(--sans);line-height:1.15;margin:0 0 .6em;color:var(--navy)}
h1{font-size:clamp(2.2rem,5vw,3.6rem);font-weight:800;letter-spacing:.01em}
h2{font-size:clamp(1.7rem,3.2vw,2.4rem);font-weight:800}
h3{font-size:1.25rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.eyebrow{font-family:var(--sans);font-weight:700;text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;color:var(--red);margin-bottom:.7em;display:block}
.redbar{width:56px;height:5px;background:var(--red);margin:0 0 18px}
.center{text-align:center}.center .redbar{margin-left:auto;margin-right:auto}

/* Top bar + header */
.topbar{background:var(--navy);color:#cfd6ee;font-size:.88rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:700}
.topbar .phone{color:#fff}
header.site{background:var(--navy);position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(255,255,255,.08)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:10px;padding-bottom:10px}
.logo img{height:64px;width:auto}
nav.main{display:flex;align-items:center;gap:4px}
nav.main a{white-space:nowrap;color:#fff;text-decoration:none;font-family:var(--sans);font-weight:700;font-size:.84rem;text-transform:uppercase;letter-spacing:.06em;padding:10px 9px;border-radius:6px}
nav.main a:hover,nav.main a[aria-current="page"]{background:rgba(255,255,255,.1)}
.btn{display:inline-block;font-family:var(--sans);font-weight:800;text-transform:uppercase;letter-spacing:.06em;font-size:.85rem;text-decoration:none;padding:14px 22px;border-radius:6px;border:2px solid transparent;cursor:pointer;transition:background .15s,transform .15s}
.btn:hover{transform:translateY(-1px)}
.btn-blue{background:var(--blue);color:#fff}.btn-blue:hover{background:var(--blue-dark)}
.btn-red{background:var(--red);color:#fff}.btn-red:hover{background:#c0161b}
.btn-ghost{border-color:#fff;color:#fff;background:transparent}.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}
nav.main .btn{margin-left:8px;padding:11px 16px}
.menu-toggle{display:none;background:none;border:0;color:#fff;font-size:1.8rem;cursor:pointer;padding:6px 10px}
@media (max-width:1200px){
  .menu-toggle{display:block}
  nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;padding:10px 16px 18px;gap:0;box-shadow:0 10px 20px rgba(0,0,0,.2)}
  nav.main.open{display:flex}
  nav.main a{padding:13px 10px;border-bottom:1px solid rgba(255,255,255,.08)}
  nav.main .btn{margin:12px 0 0;text-align:center}
  .logo img{height:52px}
}

/* Hero */
.hero{position:relative;color:#fff;background:var(--navy) center/cover no-repeat;min-height:620px;display:flex;align-items:center}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(12,24,72,.92) 0%,rgba(12,24,72,.7) 48%,rgba(12,24,72,.25) 100%)}
.hero .wrap{position:relative;width:100%;padding-top:70px;padding-bottom:70px}
.hero h1{color:#fff;text-transform:uppercase;max-width:640px}
.hero p.lead{font-size:1.25rem;max-width:560px;color:#e6eaf7;font-weight:600}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.page-hero{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;padding:70px 0 60px}
.page-hero h1{color:#fff;text-transform:uppercase;font-size:clamp(2rem,4.4vw,3rem)}
.page-hero p{color:#d8def2;max-width:720px;font-size:1.12rem;margin:0}

/* Sections */
section.block{padding:80px 0}
section.soft{background:var(--soft)}
section.navy{background:var(--navy);color:#e8ecf8}
section.navy h2,section.navy h3{color:#fff}
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}.g2{grid-template-columns:1fr}}
@media (max-width:560px){.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 2px 10px rgba(12,24,72,.04)}
.card h3{margin-bottom:.4em}
a.card{display:block;text-decoration:none;color:inherit;transition:transform .15s,box-shadow .15s,border-color .15s}
a.card:hover{transform:translateY(-3px);box-shadow:0 12px 26px rgba(12,24,72,.12);border-color:var(--blue)}
.card .more{font-family:var(--sans);font-weight:800;font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--blue-dark)}
.icon{width:46px;height:46px;border-radius:10px;background:rgba(0,138,252,.1);display:grid;place-items:center;font-size:1.4rem;margin-bottom:14px}
.split{display:grid;grid-template-columns:1fr 1.15fr;gap:56px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:32px}}
.photo{border-radius:14px;overflow:hidden;box-shadow:0 18px 40px rgba(12,24,72,.18)}
.checks{list-style:none;padding:0;margin:0 0 1.2em}
.checks li{padding:6px 0 6px 32px;position:relative}
.checks li::before{content:"✓";position:absolute;left:0;top:5px;width:22px;height:22px;border-radius:50%;background:var(--blue);color:#fff;font-size:.75rem;display:grid;place-items:center;font-weight:800}
.quote{border-left:5px solid var(--red);padding:6px 0 6px 22px;font-family:var(--script);font-style:italic;font-size:1.3rem;color:var(--navy);margin:28px 0}
.badges{display:flex;gap:28px;align-items:center;justify-content:center;flex-wrap:wrap}
.badges img{height:130px;width:auto;object-fit:contain}
.stat{text-align:center}.stat b{display:block;font-family:var(--sans);font-size:2.4rem;color:#fff;font-weight:800}
.cta-band{background:linear-gradient(120deg,var(--blue),#0063c4);color:#fff;padding:60px 0}
.cta-band h2{color:#fff;margin-bottom:.3em}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band p{margin:0;color:#e4f1ff;font-size:1.1rem}

/* Prose */
.prose{max-width:780px}
.prose h2{margin-top:1.6em;font-size:1.7rem}
.prose h3{margin-top:1.4em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.35em}
.toc{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 30px}
.toc a{font-family:var(--sans);font-weight:700;font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;text-decoration:none;padding:9px 14px;border-radius:30px;background:#fff;border:1px solid var(--line);color:var(--navy)}
.toc a:hover{border-color:var(--blue);color:var(--blue-dark)}
.program{scroll-margin-top:110px;padding:34px 0;border-bottom:1px solid var(--line)}
.program:last-child{border-bottom:0}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:28px}
@media (max-width:700px){.two-col{grid-template-columns:1fr}}
.steps{counter-reset:s;display:grid;gap:18px}
.step{position:relative;padding:22px 22px 22px 78px;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}
.step::before{counter-increment:s;content:counter(s);position:absolute;left:22px;top:22px;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-family:var(--sans);font-weight:800;display:grid;place-items:center}
.step h3{margin-bottom:.3em}

/* Calculators */
.calc-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:22px}
.calc-tabs button{font-family:var(--sans);font-weight:700;font-size:.85rem;padding:11px 16px;border-radius:8px;border:1px solid var(--line);background:#fff;color:var(--navy);cursor:pointer}
.calc-tabs button[aria-selected="true"]{background:var(--navy);color:#fff;border-color:var(--navy)}
.calc-frame{width:100%;height:2300px;border:1px solid var(--line);border-radius:12px;background:#fff}
.calc-meta{display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap;margin-bottom:14px}
.calc-meta p{margin:0;color:var(--muted)}

/* Video */
.video-wrap{position:relative;padding-top:56.25%;border-radius:14px;overflow:hidden;background:#000;box-shadow:0 18px 40px rgba(12,24,72,.18)}
.video-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}

/* Blog */
.post-card{display:flex;flex-direction:column;height:100%}
.post-card .meta{font-size:.85rem;color:var(--muted);margin-bottom:8px}
.post-card p{flex:1}
.article-meta{color:#cfd6ee;margin-top:12px;font-size:.95rem}

/* Forms */
form.lead{display:grid;grid-template-columns:1fr 1fr;gap:14px}
form.lead .full{grid-column:1/-1}
form.lead label{font-family:var(--sans);font-weight:700;font-size:.82rem;color:var(--navy);display:block;margin-bottom:5px}
form.lead input,form.lead select,form.lead textarea{width:100%;padding:13px 14px;border:1px solid #cfd5e3;border-radius:8px;font:inherit;font-size:1rem;background:#fff}
form.lead input:focus,form.lead select:focus,form.lead textarea:focus{outline:2px solid var(--blue);border-color:var(--blue)}
form.lead textarea{min-height:120px;resize:vertical}
.consent{font-size:.82rem;color:var(--muted)}
@media (max-width:600px){form.lead{grid-template-columns:1fr}}
.hidden{display:none}

/* Footer */
footer.site{background:#070f30;color:#b9c1dc;padding:64px 0 30px;font-size:.95rem}
footer.site a{color:#fff;text-decoration:none}
footer.site a:hover{text-decoration:underline}
footer.site h4{color:#fff;font-size:.9rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:14px}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px}
@media (max-width:900px){.fgrid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.fgrid{grid-template-columns:1fr}}
.fgrid ul{list-style:none;padding:0;margin:0}.fgrid li{margin-bottom:8px}
.social{display:flex;gap:10px;margin-top:16px;flex-wrap:wrap}
.social a{width:40px;height:40px;border-radius:50%;background:rgba(255,255,255,.1);display:grid;place-items:center}
.social a:hover{background:var(--blue);text-decoration:none}
.social svg{width:18px;height:18px;fill:#fff}
.disclosure{border-top:1px solid rgba(255,255,255,.12);margin-top:44px;padding-top:24px;font-size:.78rem;line-height:1.6;color:#98a1c2;display:flex;gap:20px;align-items:flex-start}
.eh-logos{display:flex;gap:8px;flex:none}.eh-logos img{height:64px;width:auto;background:#fff;border-radius:4px;padding:3px}
.legal-links{margin-top:10px}.legal-links a{color:#cfd6ee;margin-right:14px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:100}
.disclosure>div{min-width:0;overflow-wrap:anywhere}
@media (max-width:600px){.disclosure{flex-direction:column}}

/* White header for the co-branded logo */
header.site{background:#fff;border-bottom:1px solid var(--line);box-shadow:0 2px 14px rgba(12,24,72,.07)}
header.site .wrap{padding-top:8px;padding-bottom:8px}
.logo img{height:78px}
nav.main a{color:var(--navy)}
nav.main a:hover,nav.main a[aria-current="page"]{background:var(--soft);color:var(--blue-dark)}
nav.main a.btn{color:#fff}
.menu-toggle{color:var(--navy)}
@media (max-width:1200px){nav.main{background:#fff;border-top:1px solid var(--line)}nav.main a{border-bottom:1px solid var(--line)}.logo img{height:60px}}
.flogo{display:inline-block;background:#fff;border-radius:10px;padding:10px 14px;margin-bottom:16px}
.flogo img{height:72px;width:auto}

.legal-links a{display:inline-block;margin-bottom:6px}

/* Dropdown nav */
.dd{position:relative}
.dd-menu{display:none;position:absolute;top:100%;left:0;min-width:230px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 14px 30px rgba(12,24,72,.14);padding:8px;z-index:60}
.dd:hover .dd-menu,.dd:focus-within .dd-menu{display:block}
.dd-menu a{display:block;text-transform:none;letter-spacing:0;font-size:.95rem;padding:10px 12px}
@media (max-width:1200px){.dd-menu{display:block;position:static;border:0;box-shadow:none;padding:0 0 0 14px;min-width:0}.dd-top span{display:none}}

/* Reviews */
.stars{color:#f5a623;letter-spacing:2px;font-size:1.1rem}
.tcard{margin:0;display:flex;flex-direction:column}
.tcard blockquote{margin:12px 0 16px;flex:1;font-size:1rem;line-height:1.6}
.tcard figcaption{color:var(--muted);font-size:.92rem}
.rating-card{display:flex;gap:28px;align-items:center;flex-wrap:wrap;justify-content:center;background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px 30px;box-shadow:0 6px 20px rgba(12,24,72,.06);max-width:820px;margin:0 auto}
.rating-card .big{font-family:var(--sans);font-weight:800;font-size:3rem;color:var(--navy);line-height:1}
.rating-card .big span{font-size:1.2rem;color:var(--muted)}
/* FAQ */
details.faq{border-bottom:1px solid var(--line);padding:4px 0}
details.faq summary{cursor:pointer;list-style:none;font-family:var(--sans);font-weight:700;color:var(--navy);padding:14px 30px 14px 0;position:relative}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";position:absolute;right:4px;top:10px;font-size:1.5rem;color:var(--blue)}
details.faq[open] summary::after{content:"\2212"}
details.faq p{margin:0 0 16px;color:#333}
section.navy .btn-red{color:#fff}
/* Buydown calculator */
.bd-inputs{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:24px}
.bd-inputs label{font-family:var(--sans);font-weight:700;font-size:.82rem;color:var(--navy);display:flex;flex-direction:column;gap:6px}
.bd-inputs input,.bd-inputs select{padding:12px;border:1px solid #cfd5e3;border-radius:8px;font:inherit;font-size:1rem}
@media (max-width:700px){.bd-inputs{grid-template-columns:1fr 1fr}}
.bd-box{border:1px solid var(--line);border-radius:12px;padding:20px;background:var(--soft)}
.bd-box.best{background:#eef6ff;border-color:var(--blue)}
.bd-box h3{font-size:1.05rem}
.bd-pay{font-family:var(--sans);font-weight:800;font-size:2rem;color:var(--navy)}
.bd-pay span{font-size:.9rem;color:var(--muted);font-weight:600}
.bd-box p{font-size:.95rem;margin:8px 0 0}
.checkset{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.checkset label{font-family:var(--body);font-weight:400;font-size:.95rem;color:var(--ink);display:flex;gap:8px;align-items:center}
form.lead .checkset input{width:auto}
@media (max-width:600px){.checkset{grid-template-columns:1fr}}
/* Guide */
.gquote{border-left:4px solid var(--red);margin:18px 0;padding:4px 0 4px 18px;font-style:italic}
.gquote b{font-style:normal;font-size:.92rem}
@media print{
  .topbar,header.site,footer.site,.cta-band,.no-print,.skip{display:none!important}
  .page-hero{background:#fff!important;color:var(--navy)!important;padding:0 0 10px}
  .page-hero h1,.page-hero p{color:var(--navy)!important}
  section.block{padding:10px 0}
  body{font-size:12pt}
  .guide h2{page-break-after:avoid}
  .guide::before{content:"";display:block;height:90px;background:url(/images/logo.png) left center/contain no-repeat;margin-bottom:10px}
}