@font-face{font-family:"Work Sans";src:url(/assets/fonts/work-sans-latin.woff2) format("woff2");font-weight:400 700;font-display:swap}
:root{--g:#1C4B42;--g2:#143832;--l:#B4E717;--l2:#9fcf0c;--ink:#1d2725;--mut:#56645f;--bg:#f5f8f2;--line:#dde5df;--r:12px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:"Work Sans",system-ui,-apple-system,Segoe UI,sans-serif;color:var(--ink);line-height:1.65;font-size:17px;background:#fff}
img,iframe{max-width:100%;height:auto}a{color:var(--g);text-underline-offset:2px}a:hover{color:var(--g2)}
h1,h2,h3{line-height:1.2;color:var(--g);letter-spacing:-.01em}h1{font-size:clamp(1.9rem,4vw,2.8rem);margin:.3em 0 .4em}h2{font-size:clamp(1.4rem,2.6vw,1.85rem);margin:1.8em 0 .5em}h3{font-size:1.2rem;margin:1.4em 0 .4em}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
.hdr{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.hdr-in{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:16px}.logo img{display:block;width:190px;height:auto}
nav#nav{display:flex;gap:18px;align-items:center}nav#nav a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem}nav#nav a[aria-current]{color:var(--g);font-weight:700}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:inherit}
.btn{display:inline-block;padding:13px 22px;border-radius:999px;font-weight:700;text-decoration:none;border:0;cursor:pointer;font:inherit;font-weight:700;line-height:1.2}
.btn-cta{background:var(--l);color:var(--g2)!important}.btn-cta:hover{background:var(--l2)}.btn-ghost{border:2px solid #fff;color:#fff!important}.btn-block{width:100%;font-size:1.05rem;padding:15px}
nav#nav .nav-cta{padding:10px 18px;color:var(--g2)}
.hero{background:var(--g);color:#fff;padding:36px 0 44px}.hero h1{color:#fff}.hero a{color:var(--l)}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:start}
.lede{font-size:1.15rem;color:#e8f0ec;max-width:640px}.kicker{color:var(--l);font-weight:700;text-transform:uppercase;letter-spacing:.06em;font-size:.85rem;margin:0}
.hero-img{border-radius:var(--r);margin-top:18px;display:block}.bc{font-size:.85rem;color:var(--mut)}.hero .bc{color:#cfe0d9}.hero .bc a{color:#cfe0d9}
.trust{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:8px}.trust li{padding-left:28px;position:relative;color:#fff}.trust li:before{content:"✓";position:absolute;left:0;top:0;width:20px;height:20px;border-radius:50%;background:var(--l);color:var(--g2);font-size:.75rem;display:grid;place-items:center;font-weight:700}
.lead{background:#fff;color:var(--ink);border-radius:var(--r);padding:22px;box-shadow:0 12px 30px rgba(0,0,0,.18);display:grid;gap:12px}.lead-h{font-size:1.3rem;font-weight:700;color:var(--g);margin:0}.lead-sub{margin:-6px 0 0;color:var(--mut);font-size:.9rem}
.lead label{display:grid;gap:4px;font-weight:600;font-size:.9rem}.lead input,.lead select{font:inherit;font-weight:400;padding:11px 12px;border:1px solid #b9c7c0;border-radius:8px;width:100%;background:#fff}.lead input:focus,.lead select:focus{outline:3px solid var(--l);border-color:var(--g)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}.hp{position:absolute;left:-9999px}.fine{font-size:.75rem;color:var(--mut);margin:0}.lead a{color:var(--g)}
.content{padding:24px 20px 50px}.prose{max-width:780px}.prose li{margin:.3em 0}
.art-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;padding-top:24px;padding-bottom:50px}.side .sticky{position:sticky;top:96px}.side .lead{box-shadow:0 4px 18px rgba(0,0,0,.08);border:1px solid var(--line)}
.byline{display:flex;align-items:center;gap:10px;font-size:.9rem;color:var(--mut)}.byline img{border-radius:50%;object-fit:cover;width:36px;height:36px}
.note{background:var(--bg);border-left:4px solid var(--l);padding:12px 16px;font-size:.88rem;color:var(--mut);border-radius:0 8px 8px 0}
.tbl{overflow-x:auto;margin:1em 0}table{border-collapse:collapse;width:100%;font-size:.95rem}th,td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}th{background:var(--g);color:#fff}tr:nth-child(even) td{background:var(--bg)}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:16px}.card{display:block;text-decoration:none;color:var(--ink);border:1px solid var(--line);border-radius:var(--r);padding:18px;border-top:4px solid var(--l)}.card:hover{box-shadow:0 6px 20px rgba(0,0,0,.08)}.card h3{margin:0 0 6px}.card p{margin:0;font-size:.95rem}
.prose .cards{margin:1em 0}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;padding-left:48px;position:relative;margin:14px 0}.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:34px;height:34px;border-radius:50%;background:var(--g);color:var(--l);display:grid;place-items:center;font-weight:700}
.expert{display:flex;gap:18px;background:var(--bg);border:1px solid var(--line);border-radius:var(--r);padding:20px;margin:2em 0}.expert img{border-radius:10px;object-fit:cover;flex:none}.ex-k{margin:0;color:var(--mut);font-size:.85rem;text-transform:uppercase;letter-spacing:.05em}.ex-n{margin:0;font-weight:700;font-size:1.15rem;color:var(--g)}.ex-t{margin:0 0 6px;color:var(--mut);font-size:.9rem}
.faq details{border-bottom:1px solid var(--line);padding:12px 0}.faq summary{font-weight:700;cursor:pointer;color:var(--g)}
.video{position:relative;aspect-ratio:16/9;margin:1.2em 0}.video iframe{position:absolute;inset:0;width:100%;height:100%;border:0;border-radius:var(--r)}
.fig{margin:1.4em 0}.fig img,.prose img{border-radius:var(--r)}figcaption{font-size:.85rem;color:var(--mut)}
blockquote{margin:1.2em 0;padding:12px 18px;border-left:4px solid var(--g);background:var(--bg)}
.post-list{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px}.post-list li{border:1px solid var(--line);border-radius:var(--r);padding:18px}.post-list h3{margin:0 0 6px;font-size:1.1rem}.post-list a{text-decoration:none}.post-list p{margin:0;font-size:.93rem;color:var(--mut)}
.cta-band{background:var(--g);color:#fff;padding:44px 0;text-align:center}.cta-band h2{color:#fff;margin-top:0}.cta-band p{max-width:680px;margin:0 auto 18px;color:#e2ece7}
.ftr{background:var(--g2);color:#cfdcd6;padding:44px 0 20px;font-size:.92rem}.ftr a{color:#fff;display:block;text-decoration:none;margin:4px 0}.ftr p a{display:inline}.ftr-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}.ftr-h{color:var(--l);font-weight:700;margin:0 0 8px}.legal{border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:16px;font-size:.8rem;color:#a9bdb5}
.mcta{display:none}
@media(max-width:980px){.hero-grid,.art-grid{grid-template-columns:1fr}.side{order:2}.ftr-grid{grid-template-columns:1fr 1fr}.hero-img{display:none}
.menu-btn{display:block}nav#nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px;border-bottom:1px solid var(--line)}nav#nav.open{display:flex}nav#nav a{padding:8px 0}
.mcta{display:block;position:fixed;bottom:0;left:0;right:0;padding:10px 16px;background:#fff;border-top:1px solid var(--line);z-index:30}body{padding-bottom:70px}}
@media(max-width:560px){.row2{grid-template-columns:1fr}.ftr-grid{grid-template-columns:1fr}.expert{flex-direction:column}body{font-size:16px}}
/* layout fixes v2 */
.hero{padding:40px 0 48px}.hero-grid{align-items:center}
.hero-img{width:100%;aspect-ratio:16/9;object-fit:cover;object-position:center 30%;max-height:300px}
.prose.wide{max-width:none}.prose.wide>p,.prose.wide>ul,.prose.wide>ol,.prose.wide>h2{max-width:820px}
.content{padding-top:40px}.prose>h2:first-child,.prose>.byline:first-child+h2{margin-top:0}
.cards{grid-template-columns:repeat(3,minmax(0,1fr))}
.art-grid{align-items:start}.art-grid .prose{max-width:none;min-width:0}
.side-card{border:1px solid var(--line);border-radius:var(--r);padding:20px;background:var(--bg)}.side-card ul{padding-left:18px;margin:8px 0 16px}.side-card li{margin:6px 0}
.ex-s{margin:4px 0 0;font-size:.92rem}
.expert img{width:72px;height:auto}
@media(max-width:980px){.cards{grid-template-columns:repeat(2,minmax(0,1fr))}.art-grid{gap:24px}}
@media(max-width:560px){.cards{grid-template-columns:1fr}.hero{padding:28px 0 32px}}

.inline-cta{background:var(--bg);border:1px solid var(--l);border-left:4px solid var(--g);border-radius:0 8px 8px 0;padding:16px 20px;margin:28px 0}.inline-cta p{margin:0 0 10px}.inline-cta p:last-child{margin-bottom:0}.inline-cta-h{font-weight:700;color:var(--g)}

/* design fix 2026-10-14: header, hero balance, sticky sidebar, scannable prose (CSS only) */
.menu-btn{line-height:1.2}
.wrap{max-width:1240px}
.hdr,.hdr-in{overflow:visible;height:auto}
.logo{flex:none}.logo img{width:170px}
nav#nav{gap:14px;flex-wrap:nowrap}nav#nav a{white-space:nowrap;font-size:.92rem}
nav#nav .nav-cta{padding:10px 16px;flex:none}
.hero-grid{grid-template-columns:minmax(0,1fr) 420px;gap:56px;align-items:center}
.hero-copy{padding:8px 0}.hero-copy .lede{max-width:600px}
.content .lede{color:var(--mut);max-width:720px}
.art-grid{grid-template-columns:minmax(0,1fr) 340px;gap:56px}
.art-grid .prose>p,.art-grid .prose>ul,.art-grid .prose>ol{max-width:72ch}
.side{align-self:start;position:sticky;top:88px;max-height:calc(100vh - 104px);overflow-y:auto;overscroll-behavior:contain;scrollbar-width:thin}
.side .sticky{position:static}
.prose>p{margin:0 0 1.05em}.prose h2{padding-top:.4em;border-top:1px solid var(--line)}.prose>h2:first-child{border-top:0}
.prose ul:not(.steps):not(.post-list) li::marker{color:var(--g)}
.tbl{border:1px solid var(--line);border-radius:var(--r)}.tbl table{margin:0}
.prose table{display:block;overflow-x:auto}.tbl table{display:table}
.inline-cta{border-radius:var(--r);border:1px solid var(--line);border-left:5px solid var(--l);box-shadow:0 4px 14px rgba(0,0,0,.05);display:block}
.inline-cta .btn{margin-top:4px}
.prose .fig img,.prose>p>img,.prose>img{height:auto;max-height:520px;object-fit:cover;width:100%}
.post-list li{transition:box-shadow .15s}.post-list li:hover{box-shadow:0 6px 20px rgba(0,0,0,.08)}
@media(max-width:1240px){.menu-btn{display:block}nav#nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px;border-bottom:1px solid var(--line);box-shadow:0 10px 20px rgba(0,0,0,.08)}nav#nav.open{display:flex}nav#nav a{padding:8px 0;font-size:1rem}nav#nav .nav-cta{text-align:center;padding:12px}.hdr-in{position:relative}}
@media(max-width:1080px){.hero-grid{grid-template-columns:minmax(0,1fr) 380px;gap:36px}.art-grid{grid-template-columns:minmax(0,1fr) 300px;gap:36px}}
@media(max-width:980px){.hero-grid,.art-grid{grid-template-columns:1fr}.side{position:static;max-height:none;overflow:visible}}
/* reviewer photo fix 2026-10-14: fixed small photo, immune to generic image rules */
.expert{align-items:flex-start}
.prose .expert img,.expert img,main .expert>img{width:104px!important;height:104px!important;max-width:104px!important;max-height:104px!important;flex:0 0 104px;aspect-ratio:1/1;object-fit:cover;object-position:50% 22%;border-radius:50%;margin:0;display:block}
.prose .byline img,.byline img{width:40px!important;height:40px!important;max-width:40px!important;max-height:40px!important;flex:0 0 40px;object-fit:cover;object-position:50% 20%;border-radius:50%;margin:0}
.hero-grid{align-items:start}.hero-copy{padding-top:28px}
@media(max-width:560px){.expert img,.prose .expert img{width:96px!important;height:96px!important;max-width:96px!important;max-height:96px!important;flex-basis:96px}.hero-copy{padding-top:0}}
/* hero balance 2026-10-14: compact 2-col form, centred copy, CSS-only trust row */
.hero{padding:36px 0 40px}.hero-grid{align-items:center;grid-template-columns:minmax(0,1fr) 440px}.hero-copy{padding-top:0}
.hero .lead{grid-template-columns:1fr 1fr;gap:10px 12px;padding:18px 20px}
.hero .lead>*{grid-column:1/-1}.hero .lead>label:has(select){grid-column:auto}
.hero .lead .row2{display:contents}.hero .lead .row2>label{grid-column:auto}
.hero .lead label{font-size:.82rem;gap:3px}.hero .lead input,.hero .lead select{padding:8px 10px}
.hero .lead .hp,.hero .lead .src-page{position:absolute}
.hero .lead-h{font-size:1.15rem}.hero .lead-sub{margin:-4px 0 0;font-size:.85rem}
.hero .lead .btn-block{padding:12px}.hero .lead .fine{font-size:.72rem}
.hero .lead .cf-turnstile{margin:0!important}
.hero-copy:not(:has(.trust))::after{content:"✓  2-minute request\A✓  No cost to check options\A✓  Guides reviewed by a loan consultant";white-space:pre;display:block;margin-top:20px;line-height:2.1;color:#fff;font-weight:600;font-size:.95rem}
.hero-copy .trust{margin-top:20px}
@media(max-width:1080px){.hero-grid{grid-template-columns:minmax(0,1fr) 400px}}
@media(max-width:980px){.hero-grid{grid-template-columns:1fr}.hero-copy:not(:has(.trust))::after{margin-top:12px;line-height:1.9}}
@media(max-width:420px){.hero .lead{grid-template-columns:1fr}.hero .lead>label:has(select),.hero .lead .row2>label{grid-column:1/-1}}
.hero .lead>label:has(select){align-content:end}.hero .lead label:has(select) select{height:38px}
.hero .lead{align-items:end}.hero .lead>label:has(select){display:grid;grid-template-rows:minmax(2.5em,auto) auto;align-content:end}.hero .lead>label:has(select)>select{align-self:end}