@font-face{font-family:'Open Sans';font-style:normal;font-weight:400 800;font-display:swap;src:url(/fonts/OpenSans.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:'Montserrat';font-style:normal;font-weight:500 900;font-display:swap;src:url(/fonts/Montserrat.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}

/* True North Yates Group: base + layout (generated site, see build.py) */
:root{--navy:#003462;--navy-d:#00264a;--navy-dd:#001a35;--teal:#00B7F1;--teal-d:#0096c8;--ink:#0b2540;--body:#33475b;--mist:#eef4fa;--line:#d7e2ee;--white:#fff;--r:18px;--shadow:0 18px 50px rgba(0,38,74,.16);--script:'Great Vibes','Allura',cursive;--serif:'Playfair Display',Georgia,serif;--sans:'Open Sans',system-ui,-apple-system,'Segoe UI',Arial,sans-serif}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.65;color:var(--body);background:#fff;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--teal-d)}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.12;margin:0 0 .5em;font-weight:900;letter-spacing:-.01em}
h1{font-size:clamp(2.2rem,5vw,3.9rem)}
h2{font-size:clamp(1.8rem,3.4vw,2.7rem)}
h3{font-size:1.3rem;font-weight:800}
h4{font-size:1rem;font-family:var(--sans);font-weight:800;text-transform:uppercase;letter-spacing:.12em}
p{margin:0 0 1.1em}
.wrap{width:100%;max-width:1180px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--teal);color:var(--navy);padding:10px 16px;z-index:100;font-weight:800}
.skip:focus{left:8px;top:8px}
.sr-only{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.script{font-family:var(--script);font-weight:400;letter-spacing:0}
.hp{display:none}
.eyebrow{display:inline-block;font:800 .78rem/1 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--teal-d);margin-bottom:14px}
.on-navy .eyebrow,.navy .eyebrow{color:var(--teal)}
.center{text-align:center}
.lead{font-size:1.2rem;line-height:1.6}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;background:var(--navy);color:#fff;font:800 .95rem/1 var(--sans);letter-spacing:.06em;text-transform:uppercase;text-decoration:none;padding:17px 30px;border-radius:999px;border:2px solid var(--navy);cursor:pointer;transition:transform .18s,box-shadow .18s,background .18s,color .18s}
.btn:hover{background:var(--navy-d);color:#fff;transform:translateY(-2px);box-shadow:0 10px 24px rgba(0,52,98,.28)}
.btn-teal{background:var(--teal);border-color:var(--teal);color:var(--navy)}
.btn-teal:hover{background:#33c7f5;color:var(--navy);box-shadow:0 10px 26px rgba(0,183,241,.4)}
.btn-outline{background:transparent;color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.on-navy .btn-outline,.navy .btn-outline{color:#fff;border-color:rgba(255,255,255,.7)}
.on-navy .btn-outline:hover,.navy .btn-outline:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn-sm{padding:12px 22px;font-size:.82rem}
.btn svg{width:1.15em;height:1.15em}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:26px}

/* topbar + header */
.topbar{background:var(--navy-dd);color:#cfe6f5;font-size:.82rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:700}
.topbar a:hover{color:var(--teal)}
.topbar .tb-r{display:flex;gap:22px}
.site-header{position:sticky;top:0;z-index:60;background:#fff;box-shadow:0 1px 0 var(--line);transition:box-shadow .2s}
.site-header.is-stuck{box-shadow:0 8px 28px rgba(0,38,74,.12)}
.nav-row{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:12px;padding-bottom:12px;transition:padding .2s}
.is-stuck .nav-row{padding-top:7px;padding-bottom:7px}
.brand img{width:310px;height:auto;transition:width .2s}
.is-stuck .brand img{width:250px}
.nav{display:flex;align-items:center;gap:6px}
.nav>a,.nav .dd>button{font:800 .8rem/1 var(--sans);letter-spacing:.09em;text-transform:uppercase;color:var(--navy);text-decoration:none;padding:12px 12px;background:none;border:0;cursor:pointer;border-radius:8px;position:relative}
.nav>a:hover,.nav .dd>button:hover,.nav a[aria-current]{color:var(--teal-d)}
.nav>a[aria-current]::after{content:"";position:absolute;left:12px;right:12px;bottom:4px;height:3px;border-radius:3px;background:var(--teal)}
.nav .btn{margin-left:8px;color:#fff}
.nav .btn:hover{color:#fff}
.dd{position:relative}
.dd>button::after{content:"";display:inline-block;width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);margin-left:7px}
.dd-menu{position:absolute;top:100%;left:0;min-width:260px;background:#fff;border-radius:14px;box-shadow:var(--shadow);padding:10px;display:none;border:1px solid var(--line)}
.dd:hover .dd-menu,.dd:focus-within .dd-menu{display:block}
.dd-menu a{display:block;padding:10px 14px;border-radius:9px;text-decoration:none;color:var(--navy);font-weight:700;font-size:.93rem}
.dd-menu a:hover{background:var(--mist);color:var(--teal-d)}
.nav-toggle{display:none;width:46px;height:46px;border:0;background:var(--navy);border-radius:12px;cursor:pointer;position:relative}
.nav-toggle span,.nav-toggle span::before,.nav-toggle span::after{content:"";position:absolute;left:12px;width:22px;height:2.5px;background:#fff;border-radius:2px;transition:.2s}
.nav-toggle span{top:22px}.nav-toggle span::before{left:0;top:-7px}.nav-toggle span::after{left:0;top:7px}
.nav-toggle[aria-expanded=true] span{background:transparent}
.nav-toggle[aria-expanded=true] span::before{top:0;transform:rotate(45deg)}
.nav-toggle[aria-expanded=true] span::after{top:0;transform:rotate(-45deg)}
.m-only{display:none}

/* sections */
section{position:relative}
.sec{padding:96px 0}
.sec-mist{background:var(--mist)}
.sec-head{max-width:760px;margin:0 auto 52px;text-align:center}
.sec-head h2{margin-bottom:.35em}
.navy{background:var(--navy);color:#d6e6f3}
.navy h2,.navy h3{color:#fff}
.grid{display:grid;gap:26px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.card{background:#fff;border-radius:var(--r);box-shadow:0 10px 34px rgba(0,38,74,.09);padding:32px;border:1px solid var(--line)}
.checks{list-style:none;padding:0;margin:0 0 1.2em}
.checks li{position:relative;padding:5px 0 5px 36px}
.checks li::before{content:"";position:absolute;left:0;top:9px;width:22px;height:22px;border-radius:50%;background:var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23003462' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 12.5 4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/14px no-repeat}
.ph-inline{background:#fff6cc;border-radius:4px;padding:0 6px}

/* footer */
.site-footer{background:var(--navy-d);color:#d6e6f3;position:relative;overflow:hidden}
.site-footer::before{content:"";position:absolute;inset:0;background:url(/assets/compass-faint.webp) right -140px top -120px/760px no-repeat;opacity:.5;pointer-events:none;-webkit-mask-image:radial-gradient(ellipse 55% 60% at 80% 25%,#000 30%,transparent 100%);mask-image:radial-gradient(ellipse 55% 60% at 80% 25%,#000 30%,transparent 100%)}
.footer-main{position:relative;display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;padding-top:70px;padding-bottom:42px}
.flogo{width:290px;margin-bottom:18px}
.site-footer h4{color:var(--teal);margin-bottom:16px;font-size:.8rem}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:0 0 9px}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{color:var(--teal);text-decoration:underline}
.fnote{font-size:.95rem;max-width:34ch}
.social{display:flex;gap:10px;margin-top:18px}
.social a{width:42px;height:42px;border-radius:50%;background:rgba(255,255,255,.1);display:grid;place-items:center;transition:.2s}
.social a:hover{background:var(--teal);color:var(--navy)}
.social svg{width:19px;height:19px;fill:currentColor}
.footer-area{position:relative;border-top:1px solid rgba(255,255,255,.14);padding:20px 0;font-size:.92rem}
.footer-area b{color:#fff}
.footer-comp{position:relative;background:var(--navy-dd);padding:34px 0 28px}
.footer-comp .nmls-line{font-weight:700;color:#fff;margin-bottom:16px;font-size:.98rem}
.footer-comp .eho-img{width:100%;max-width:1180px;margin:6px 0 4px}
.footer-comp .disc{font-size:.84rem;line-height:1.6;color:rgba(255,255,255,.86);max-width:1100px}
.footer-comp .disc a{text-decoration:underline}
.footer-links{display:flex;flex-wrap:wrap;gap:8px 22px;font-size:.88rem;margin:16px 0 0}
.footer-legal{background:#001428;color:#aebfd0;font-size:.82rem;padding:16px 0}
@media(max-width:1040px){
 .brand img{width:250px}.nav>a,.nav .dd>button{padding:12px 8px;font-size:.74rem}
 .footer-main{grid-template-columns:1fr 1fr}
}
@media(max-width:900px){
 .nav-toggle{display:block}
 .nav{position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;padding:12px 24px 26px;gap:0;box-shadow:0 22px 40px rgba(0,38,74,.2);display:none;max-height:calc(100vh - 80px);overflow:auto}
 .nav.open{display:flex}
 .nav>a,.nav .dd>button{padding:15px 4px;border-bottom:1px solid var(--line);text-align:left;font-size:.9rem;width:100%;border-radius:0}
 .nav>a[aria-current]::after{display:none}
 .dd-menu{position:static;display:block;box-shadow:none;border:0;padding:0 0 0 14px;min-width:0}
 .dd>button{display:none}
 .dd-menu a{padding:13px 4px;border-bottom:1px solid var(--line);border-radius:0;font-size:.9rem;font-weight:700}
 .nav .btn{margin:18px 0 0}
 .brand img{width:210px}.is-stuck .brand img{width:190px}
 .topbar .wrap{justify-content:center}.topbar .tb-l{display:none}
 .sec{padding:68px 0}
 .g3,.g4{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr;gap:36px}
}
@media(max-width:600px){
 body{font-size:16.5px}
 .wrap{padding:0 20px}
 .g2,.g3,.g4{grid-template-columns:1fr}
 .footer-main{grid-template-columns:1fr;gap:30px;padding-top:54px}
 .btn{padding:16px 24px;width:100%}
 .hero-actions .btn{width:100%}
 .topbar .tb-r{gap:14px}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* True North: layered hero, brush, team showcase, cards, blog */
.brush{position:absolute;pointer-events:none;background:var(--teal);-webkit-mask:url(/assets/brush-swoosh.svg) center/100% 100% no-repeat;mask:url(/assets/brush-swoosh.svg) center/100% 100% no-repeat}
.brush-thin{-webkit-mask-image:url(/assets/brush-swoosh-thin.svg);mask-image:url(/assets/brush-swoosh-thin.svg)}
.edge{position:absolute;left:0;right:0;bottom:-1px;height:70px;background:currentColor;-webkit-mask:url(/assets/brush-edge.svg) center/100% 100% no-repeat;mask:url(/assets/brush-edge.svg) center/100% 100% no-repeat;pointer-events:none;z-index:3}
.edge.flip{top:-1px;bottom:auto;-webkit-mask-image:url(/assets/brush-edge-flip.svg);mask-image:url(/assets/brush-edge-flip.svg)}
.uline{position:relative;display:inline-block;z-index:0}
.uline::after{content:"";position:absolute;left:-2%;right:-2%;bottom:-.1em;height:.34em;background:var(--teal);opacity:.9;-webkit-mask:url(/assets/brush-underline.svg) center/100% 100% no-repeat;mask:url(/assets/brush-underline.svg) center/100% 100% no-repeat;z-index:-1}
.noise::after{content:"";position:absolute;inset:0;background:url(/assets/noise.svg);opacity:.07;mix-blend-mode:overlay;pointer-events:none}

/* ===== hero ===== */
.on-navy{background:var(--navy-d);color:#d6e6f3;position:relative;overflow:hidden;isolation:isolate}
.on-navy h1,.on-navy h2{color:#fff}
.hero{padding:70px 0 150px;min-height:660px}
.hero-bg{position:absolute;inset:0;z-index:-2;background:url(/assets/hero-compass.webp) center/cover no-repeat}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(60% 70% at 72% 55%,rgba(0,183,241,.22),transparent 70%),linear-gradient(95deg,rgba(0,26,53,.92) 0%,rgba(0,38,74,.55) 55%,rgba(0,38,74,.2) 100%)}
.hero-grid{display:grid;grid-template-columns:.85fr 1.3fr;gap:20px;align-items:center}
.hero-script{font:400 clamp(2.4rem,4.4vw,3.6rem)/1 var(--script);color:var(--teal);display:block;margin-bottom:6px;text-shadow:0 2px 18px rgba(0,183,241,.35)}
.hero h1{font-size:clamp(2.3rem,4vw,3.5rem);margin-bottom:.4em;text-shadow:0 6px 30px rgba(0,0,0,.35)}
.hero h1 .tl{color:var(--teal)}
.hero p.lead{max-width:30em;color:#dbe9f5}
.hero-note{font-size:.9rem;color:#a9c4d9;margin-top:18px}

/* trust strip */
.trust{position:relative;z-index:5;margin-top:-76px}
.trust-in{display:grid;grid-template-columns:repeat(3,1fr);background:#fff;border-radius:22px;box-shadow:0 24px 60px rgba(0,26,53,.25);overflow:hidden}
.trust-in>div{padding:30px 32px;display:flex;gap:18px;align-items:flex-start;border-right:1px solid var(--line)}
.trust-in>div:last-child{border:0}
.trust-in .ico{flex:0 0 52px;height:52px;border-radius:50%;background:var(--navy);display:grid;place-items:center}
.trust-in .ico svg{width:26px;height:26px;stroke:var(--teal);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.trust-in h3{font:800 1.12rem/1.2 var(--serif);margin:0 0 4px}
.trust-in p{margin:0;font-size:.95rem;line-height:1.5}

/* inner page hero */
.phero{padding:76px 0 110px}
.phero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;align-items:center}
.phero.nostage .phero-grid{grid-template-columns:1fr}
.phero .hero-bg{background-size:cover;background-position:center}
.phero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(95deg,rgba(0,26,53,.93),rgba(0,38,74,.62) 65%,rgba(0,38,74,.35))}
.phero h1{font-size:clamp(2.1rem,4.4vw,3.5rem);text-shadow:0 6px 30px rgba(0,0,0,.35)}
.phero .script{font-size:clamp(2rem,3.6vw,2.8rem);color:var(--teal);display:block;line-height:1;margin-bottom:8px}
.phero p.lead{color:#dbe9f5;max-width:34em}
.phero .stage{aspect-ratio:1.25/1}
.crumbs{font-size:.84rem;color:#a9c4d9;margin-bottom:18px}.crumbs a{color:#fff;text-decoration:none}.crumbs a:hover{color:var(--teal)}

/* ===== MEET THE TEAM showcase (the approved graphic, in CSS) ===== */

.tm-pills{position:relative;z-index:6;display:flex;justify-content:center;gap:16px;flex-wrap:wrap;padding:0 24px 28px}
.pill{display:inline-flex;align-items:center;gap:10px;background:#fff;color:var(--navy);border-radius:999px;padding:12px 26px;font:800 1rem/1 var(--sans);text-decoration:none;box-shadow:0 8px 24px rgba(0,0,0,.3);border:2px solid var(--teal)}
.pill:hover{background:var(--teal);color:var(--navy)}
.pill svg{width:20px;height:20px;fill:none;stroke:var(--navy);stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.tm-strip{position:relative;z-index:6;background:#001428;color:#cfe6f5;font-size:.86rem;text-align:center;padding:14px 20px;border-top:1px solid rgba(255,255,255,.12)}
.tm-strip b{color:#fff}
.tm-strip .eho{display:inline-block;vertical-align:middle;width:84px;margin-right:12px}

/* team cards */
.tgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:34px}
.tcard{background:#fff;border:1px solid var(--line);border-radius:24px;overflow:hidden;box-shadow:0 14px 40px rgba(0,38,74,.1);display:grid;grid-template-columns:190px minmax(0,1fr);align-items:stretch;scroll-margin-top:110px}
.tcard.lead{grid-column:1/-1;grid-template-columns:340px 1fr}
.tcard .ph{position:relative;background:linear-gradient(160deg,var(--navy-d),var(--navy));display:flex;align-items:flex-end;justify-content:center;overflow:hidden;min-height:280px}
.tcard .ph .brush{left:-10%;right:-10%;bottom:12%;height:32%;opacity:.95}
.tcard .ph img{position:relative;z-index:2;width:92%;filter:drop-shadow(0 0 1.5px rgba(255,255,255,.7)) drop-shadow(0 12px 18px rgba(0,10,30,.55));}
.tcard .tb{padding:28px 26px;min-width:0;overflow-wrap:anywhere}
.tcard h3{font-size:1.7rem;margin:0}
.tcard .role{font:800 .72rem/1.5 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--teal-d);margin:5px 0 4px}
.tcard .nmls{font-size:.88rem;color:#5b7186;margin-bottom:14px}
.tcard .nmls a{color:#5b7186}
.tcard .tb p{font-size:.98rem;line-height:1.6}
.tcard .tb .btn{margin-top:6px}
.tcard .contact{display:flex;gap:10px 22px;flex-wrap:wrap;font-weight:700;font-size:.95rem;margin:4px 0 10px}
.tcard .contact a{text-decoration:none}
.note-nc{background:var(--mist);border-left:4px solid var(--teal);padding:10px 14px;border-radius:0 10px 10px 0;font-size:.92rem;margin:0 0 12px}

/* loan tiles */
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.tile{position:relative;background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px 28px 26px;text-decoration:none;color:var(--body);display:flex;flex-direction:column;transition:.22s;overflow:hidden}
.tile::before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:var(--teal);transform:scaleY(.3);transform-origin:top;transition:.25s}
.tile:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:var(--teal);color:var(--body)}
.tile:hover::before{transform:scaleY(1)}
.tile .ico{width:54px;height:54px;border-radius:15px;background:var(--navy);display:grid;place-items:center;margin-bottom:18px}
.tile .ico svg{width:28px;height:28px;stroke:var(--teal);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.tile h3{font-size:1.28rem;margin-bottom:8px}
.tile p{font-size:.96rem;line-height:1.55;flex:1}
.tile .more{font:800 .78rem/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--navy)}
.tile .more::after{content:" \2192";color:var(--teal-d)}

/* program blocks (hub) */
.prog{display:grid;grid-template-columns:1fr 1.3fr;gap:44px;padding:44px 0;border-bottom:1px solid var(--line);scroll-margin-top:100px}
.prog:last-child{border:0}
.prog h3{font-size:1.8rem}
.prog .tag{font-family:var(--script);font-size:1.9rem;color:var(--teal-d);display:block;margin-bottom:4px;line-height:1}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:s}
.step{position:relative;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:20px;padding:32px 24px 26px}
.step .n{font:400 4rem/.8 var(--script);color:var(--teal);display:block;margin-bottom:12px}
.step h3{font-size:1.2rem;color:#fff}
.step p{font-size:.95rem;margin:0}
.steps-light .step{background:#fff;border-color:var(--line);box-shadow:0 10px 30px rgba(0,38,74,.08)}
.steps-light .step h3{color:var(--navy)}

/* review */
.rev{position:relative;background:#fff;border-radius:26px;padding:48px 52px;box-shadow:var(--shadow);border:1px solid var(--line);max-width:900px;margin:0 auto}
.rev::before{content:"\201C";position:absolute;left:30px;top:-6px;font:900 8rem/1 var(--serif);color:var(--teal);opacity:.55}
.stars{display:flex;gap:4px;margin-bottom:14px}
.stars svg{width:24px;height:24px;fill:#FDB718}
.rev blockquote{margin:0;font:600 1.14rem/1.7 var(--sans);color:var(--ink)}
.rev blockquote p{margin-bottom:.9em}
.rev cite{display:block;font-style:normal;font-weight:800;color:var(--navy);margin-top:18px}
.rev cite small{display:block;font-weight:600;color:#5b7186}
.rev-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:34px}

/* faq */
.faq{max-width:860px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;margin-bottom:12px;overflow:hidden}
.faq summary{list-style:none;cursor:pointer;padding:20px 60px 20px 24px;font:800 1.05rem/1.4 var(--sans);color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);width:30px;height:30px;border-radius:50%;background:var(--navy);color:var(--teal);display:grid;place-items:center;font:700 1.3rem/1 var(--sans);padding-bottom:3px}
.faq details[open] summary::after{content:"\2212"}
.faq details[open]{border-color:var(--teal);box-shadow:0 8px 24px rgba(0,183,241,.14)}
.faq .a{padding:0 24px 20px;font-size:1rem}
.faq .a p:last-child{margin:0}

/* cta band */
.cta{padding:90px 0;color:#d6e6f3;text-align:center;background:var(--navy-d)}
.cta .hero-bg{background-image:url(/assets/bg-neighborhood.webp);filter:saturate(.9)}
.cta::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(0,26,53,.9),rgba(0,38,74,.82))}
.cta h2{color:#fff;font-size:clamp(2rem,4.2vw,3.3rem)}
.cta .script{display:block;font-size:clamp(2rem,3.6vw,2.8rem);color:var(--teal);line-height:1}
.cta p{max-width:36em;margin:0 auto 1.4em}
.cta .hero-actions{justify-content:center}

/* calculator */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:0;background:#fff;border-radius:26px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line)}
.calc form{padding:40px}
.calc .f2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.calc .res{background:var(--navy);color:#fff;padding:40px;display:flex;flex-direction:column;justify-content:center;position:relative;overflow:hidden}
.calc .res .brush{left:-20%;right:-20%;bottom:-10%;height:34%;opacity:.5}
.calc .amt{font:900 clamp(2.4rem,5vw,3.6rem)/1.05 var(--serif);color:#fff}
.calc .res small{color:#a9c4d9;display:block;margin-top:14px;font-size:.84rem;line-height:1.5}
.calc .lab{font:800 .74rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--teal)}
label{display:block;font-weight:700;font-size:.9rem;color:var(--navy);margin-bottom:6px}
input,select,textarea{width:100%;font:600 1rem var(--sans);color:var(--ink);padding:14px 16px;border:2px solid var(--line);border-radius:12px;background:#fff;margin-bottom:16px}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--teal);box-shadow:0 0 0 4px rgba(0,183,241,.2)}
textarea{min-height:130px;resize:vertical}

/* forms / contact */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:44px;align-items:start}
.info-card{background:var(--navy);color:#d6e6f3;border-radius:24px;padding:40px;position:relative;overflow:hidden}
.info-card h2,.info-card h3{color:#fff}
.info-card a{color:#fff}
.info-card ul{list-style:none;margin:0 0 20px;padding:0}
.info-card li{padding:10px 0;border-bottom:1px solid rgba(255,255,255,.14)}
.info-card li b{display:block;color:var(--teal);font:800 .72rem/1.6 var(--sans);letter-spacing:.16em;text-transform:uppercase}
.form-note{background:#e6f7fe;border:2px solid var(--teal);border-radius:12px;padding:16px;font-weight:700;color:var(--navy)}
.form-error{background:#fde8e8;border-radius:12px;padding:14px;color:#8a1c1c;font-weight:700}
form.sent>*:not(.form-note){display:none}
.book{border-radius:20px;overflow:hidden;border:1px solid var(--line);background:#fff}
.book iframe{width:100%;min-height:720px;border:0;display:block}
.fine{font-size:.86rem;color:#5b7186}

/* legal */
.legal{max-width:820px;margin:0 auto}
.legal h2{font-size:1.5rem;margin-top:1.8em}
.legal h3{font-size:1.15rem}

/* ===== blog ===== */
.pgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.pcard{background:#fff;border-radius:22px;overflow:hidden;border:1px solid var(--line);box-shadow:0 12px 34px rgba(0,38,74,.09);text-decoration:none;color:var(--body);display:flex;flex-direction:column;transition:.25s}
.pcard:hover{transform:translateY(-6px);box-shadow:var(--shadow);color:var(--body)}
.pcard .pimg{position:relative;aspect-ratio:16/10;overflow:hidden;background:var(--navy)}
.pcard .pimg img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.pcard:hover .pimg img{transform:scale(1.05)}
.pcard .pimg::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:34px;background:#fff;-webkit-mask:url(/assets/brush-edge.svg) center/100% 100% no-repeat;mask:url(/assets/brush-edge.svg) center/100% 100% no-repeat}
.pcard .pb{padding:12px 26px 28px;display:flex;flex-direction:column;flex:1}
.pcard .pmeta{font:800 .72rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--teal-d);margin-bottom:10px}
.pcard h3{font-size:1.28rem;margin-bottom:10px}
.pcard p{font-size:.95rem;flex:1}
.pcard .more{font:800 .78rem/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--navy)}
.pcard .more::after{content:" \2192";color:var(--teal-d)}
.post-hero{padding:70px 0 120px}
.post-hero .hero-bg{background-size:cover;background-position:center}
.post-hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(0,26,53,.78),rgba(0,38,74,.86))}
.post-hero h1{font-size:clamp(2rem,4.2vw,3.3rem);max-width:20em}
.post-hero .pm{color:#bcd6e8;font-size:.92rem}
.post{padding:70px 0 40px}
.post-wrap{max-width:780px}
.post-lead{font-size:1.25rem;line-height:1.6;color:var(--ink);font-weight:600;border-left:5px solid var(--teal);padding-left:20px;margin-bottom:1.6em}
.post h2{margin-top:1.7em;font-size:clamp(1.6rem,3vw,2.1rem)}
.post h3{margin-top:1.4em;font-size:1.2rem;font-family:var(--sans);font-weight:800}
.post ul{padding-left:1.2em}.post li{margin-bottom:.45em}
.post-note{background:var(--mist);border-radius:14px;padding:16px 20px;font-size:.9rem;margin-top:2.4em}
.post-cta{padding:30px 0 90px}
.post-cta .box{background:var(--navy);border-radius:26px;padding:44px;display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center;color:#d6e6f3;position:relative;overflow:hidden}
.post-cta h2{color:#fff;font-size:1.9rem;margin-bottom:.3em}.post-cta p{margin:0}
.draft-flag{display:inline-block;background:#fff6cc;color:#6b5400;font:800 .7rem/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;padding:6px 10px;border-radius:6px;margin-bottom:12px}

/* responsive */
@media(max-width:1040px){
 .plates{grid-template-columns:repeat(5,1fr);gap:8px;padding:0 14px}.plate b{font-size:1rem}.plate span{font-size:.58rem;letter-spacing:.1em}
 .tcard{grid-template-columns:200px 1fr}.tcard.lead{grid-template-columns:260px 1fr}
 .mini{gap:12px}
}
@media(max-width:900px){
 .hero{padding:48px 0 130px;min-height:0}
 .hero-grid,.phero-grid{grid-template-columns:1fr}
 .stage{max-width:620px;margin:10px auto 0}
 .trust-in{grid-template-columns:1fr}.trust-in>div{border-right:0;border-bottom:1px solid var(--line)}
 .tiles,.pgrid{grid-template-columns:1fr 1fr}
 .tgrid{grid-template-columns:1fr}
 .steps{grid-template-columns:1fr 1fr}
 .mini{grid-template-columns:repeat(3,1fr)}
 .calc,.contact-grid,.prog{grid-template-columns:1fr}
 .plates{grid-template-columns:repeat(2,1fr);transform:none;margin-top:18px}
 .plate:last-child{grid-column:1/-1}
 .post-cta .box{grid-template-columns:1fr}
 .tm-tag{position:static;transform:none;text-align:center;margin-top:6px;font-size:2.2rem}
}
@media(max-width:600px){
 .tiles,.pgrid,.steps{grid-template-columns:1fr}
 .mini{grid-template-columns:repeat(2,1fr)}
 .tcard,.tcard.lead{grid-template-columns:1fr}
 .tcard .ph{min-height:250px;max-height:300px}.tcard.lead .ph{max-height:320px}
 .tcard .ph img{width:auto;height:92%}
 .tcard .tb{padding:24px 22px}
 .rev{padding:40px 24px 30px}
 .calc form,.calc .res{padding:28px 22px}.calc .f2{grid-template-columns:1fr}
 .tm-hero{padding-top:34px}
 .tm-title .meet{-webkit-text-stroke:1.4px var(--teal)}
 .stage .nm{display:none}
 .pill{padding:11px 18px;font-size:.92rem;width:100%;justify-content:center}
 .post-cta .box{padding:30px 22px}
 .tm-strip{font-size:.8rem}.tm-strip .eho{display:block;margin:0 auto 8px}
 .info-card{padding:30px 24px}
}

/* ===== True North: light, airy premium theme (white + SWF navy #003462 + Lightning Yellow #FDB718; Montserrat + Open Sans) ===== */
:root{--navy:#003462;--navy-d:#002a50;--navy-dd:#001a35;--yellow:#FDB718;--yellow-d:#e5a200;--teal:#FDB718;--teal-d:#003462;--ink:#0b2540;--body:#3f5368;--mist:#f6f8fb;--line:#e4eaf1;--r:20px;--shadow:0 22px 60px rgba(0,38,74,.12);--head:'Montserrat','Open Sans',system-ui,sans-serif;--script:var(--head);--serif:var(--head);--logo-h:48px}
body{font-size:17px;line-height:1.7;color:var(--body)}
h1,h2,h3{font-family:var(--head);color:var(--navy);letter-spacing:-.02em;font-weight:700;line-height:1.14}
h1{font-size:clamp(2.2rem,4.6vw,3.8rem);font-weight:700}
h2{font-size:clamp(1.75rem,3.2vw,2.6rem);font-weight:650}
h3{font-size:1.22rem;font-weight:700;letter-spacing:-.01em}
h4{font-family:var(--head);letter-spacing:.14em}
a:hover{color:var(--navy-d)}
/* eyebrow and the (former script) accent lines: one refined small-caps style, no script font */
.eyebrow,.script,.hero-script{display:inline-flex;align-items:center;gap:12px;font:700 .74rem/1.2 var(--head);letter-spacing:.24em;text-transform:uppercase;color:var(--navy);margin-bottom:18px;text-shadow:none}
.eyebrow::before,.script::before,.hero-script::before{content:"";width:34px;height:3px;border-radius:3px;background:var(--yellow);flex:0 0 auto}
.script,.hero-script{font-size:.74rem;display:flex}
.center .eyebrow,.sec-head .eyebrow,.hero-copy .hero-script,.cta .script,.tm-head .script{justify-content:center}
.on-navy .eyebrow,.navy .eyebrow{color:var(--navy)}
.uline::after{background:var(--yellow);opacity:.85}
.brush{background:var(--yellow)}
.lead{font-size:1.18rem;line-height:1.7;color:var(--body)}

/* buttons */
.btn{background:var(--navy);border-color:var(--navy);color:#fff;font:700 .8rem/1 var(--head);letter-spacing:.1em;padding:18px 32px}
.btn:hover{background:var(--navy-d);color:#fff;box-shadow:0 12px 26px rgba(0,52,98,.25)}
.btn-yellow{background:var(--yellow);border-color:var(--yellow);color:var(--navy)}
.btn-yellow:hover{background:#ffc43d;border-color:#ffc43d;color:var(--navy);box-shadow:0 12px 28px rgba(253,183,24,.5)}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.on-navy .btn-outline,.navy .btn-outline{color:var(--navy);border-color:var(--navy)}
.on-navy .btn-outline:hover,.navy .btn-outline:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-sm{padding:13px 22px;font-size:.74rem}
.skip{background:var(--yellow)}

/* topbar + header */
.topbar{background:var(--mist);color:var(--body);border-bottom:1px solid var(--line);font-size:.8rem}
.topbar a{color:var(--navy);font-weight:700}
.topbar a:hover{color:var(--navy-d);text-decoration:underline}
.topbar .tb-r{display:flex;align-items:center;gap:12px}
.tb-text{background:var(--yellow);color:var(--navy);font:800 .62rem/1 var(--head);letter-spacing:.14em;text-transform:uppercase;padding:6px 10px;border-radius:999px}
.site-header{box-shadow:0 1px 0 var(--line)}
.brand{flex:0 0 auto;display:block}
.brand img,.is-stuck .brand img{width:auto;height:var(--logo-h);transition:height .2s}
.is-stuck .brand img{height:calc(var(--logo-h) * .82)}
.nav-row{padding-top:14px;padding-bottom:14px}
.nav>a,.nav .dd>button{font:700 .74rem/1 var(--head);letter-spacing:.11em;white-space:nowrap;padding:12px 10px}
.nav>a:hover,.nav .dd>button:hover,.nav a[aria-current]{color:var(--navy)}
.nav>a:hover::after{content:"";position:absolute;left:10px;right:10px;bottom:4px;height:3px;border-radius:3px;background:var(--yellow)}
.nav>a[aria-current]::after{left:10px;right:10px;background:var(--yellow)}
.nav .btn-yellow,.nav .btn-yellow:hover{color:var(--navy)}
.nav .btn{margin-left:10px}
.dd-menu a:hover{color:var(--navy);background:#fff7e0}
.nav-toggle{background:var(--navy)}

/* sections */
.sec{padding:112px 0}
.sec-mist{background:var(--mist)}
.sec-head{margin-bottom:60px}
.sec-head p{font-size:1.08rem}
.card,.tile,.tcard,.pcard,.step,.rev,.calc{border-color:var(--line)}
.card{box-shadow:0 12px 40px rgba(0,38,74,.07)}
.lender-card{padding:48px;text-align:center;border-top:5px solid var(--yellow);background:linear-gradient(180deg,#fff,#f6f8fb)}
.lender-card img{width:min(300px,80%);margin:0 auto 20px}
.card-note{border-top:5px solid var(--yellow);background:#fffaf0}
.tile-note{background:#fffaf0;border-color:#f6e2a8;justify-content:center}

/* light heroes: bright photo washed white so the text reads */
.on-navy{background:#fff;color:var(--body);position:relative;overflow:hidden;isolation:isolate}
.on-navy h1,.on-navy h2{color:var(--navy);text-shadow:none}
.hero-bg{position:absolute;inset:0;z-index:-2;background-size:cover;background-position:center}
.crumbs{color:#5b7186;font-size:.82rem;margin-bottom:22px}
.crumbs a{color:var(--navy);font-weight:600}.crumbs a:hover{color:var(--navy-d);text-decoration:underline}
.hero{padding:84px 0 80px;min-height:0}
.hero-wide .hero-bg{background-position:center 62%}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(ellipse 62% 62% at 50% 34%,rgba(255,255,255,.97) 0%,rgba(255,255,255,.88) 55%,rgba(255,255,255,.5) 100%),linear-gradient(0deg,#fff 0,rgba(255,255,255,.92) 24%,rgba(255,255,255,.35) 52%,rgba(255,255,255,.55) 100%)}
.hero-wide .hero-copy{max-width:900px;margin:0 auto;text-align:center}
.hero-wide .hero-copy .lead{margin-left:auto;margin-right:auto;max-width:42rem}
.hero-wide .hero-actions{justify-content:center}
.hero h1{font-size:clamp(2.4rem,4.8vw,4.1rem);text-shadow:none;margin-bottom:.45em}
.hero h1 .tl{color:var(--navy);background:linear-gradient(transparent 68%,rgba(253,183,24,.6) 68%);padding:0 .06em}
.hero p.lead{color:var(--body)}
.hero-note{color:#5b7186;font-size:.92rem;margin-top:22px}
.hero-note a{font-weight:700;text-decoration:none}
.hero-wide .pcards{margin-top:64px}

.phero{padding:60px 0 84px;background:#fff}
.phero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(96deg,rgba(255,255,255,.98) 0%,rgba(255,255,255,.93) 46%,rgba(255,255,255,.5) 100%)}
.phero .hero-bg{background-position:center}
.phero-in{max-width:1180px}
.phero-in>*{max-width:44rem}
.phero h1{font-size:clamp(2.1rem,4.2vw,3.4rem);text-shadow:none}
.phero p.lead{color:var(--body)}
.phero.withcards{padding-bottom:64px}
.phero-cards{margin-top:52px}
.post-hero{padding:64px 0 76px;background:#fff}
.post-hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(255,255,255,.93),rgba(255,255,255,.88))}
.post-hero h1{color:var(--navy);text-shadow:none}
.post-hero .pm{color:#5b7186}
.post-hero .hero-bg{background-size:cover}

/* team cards: uniform head-and-shoulders photos in a row (photos are files: see art/cards and tn-team-photos/headshots) */
.pcards{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:24px;max-width:1180px;margin:0 auto}
.pc{display:block;text-align:center;text-decoration:none;color:var(--navy);transition:transform .25s}
.pc:hover{transform:translateY(-6px);color:var(--navy)}
.pc-ph{position:relative;display:block;aspect-ratio:4/5;border-radius:22px;overflow:hidden;background:#eef2f7;box-shadow:0 16px 40px rgba(0,38,74,.16);border:1px solid rgba(255,255,255,.9)}
.pc-ph::after{content:"";position:absolute;left:0;right:0;bottom:0;height:5px;background:var(--yellow)}
.pc-ph img{width:100%;height:100%;object-fit:cover;object-position:center top}
.pc b{display:block;font:700 1.04rem/1.25 var(--head);margin-top:16px;letter-spacing:-.01em}
.pc-role{display:block;margin-top:5px;font:700 .64rem/1.5 var(--head);letter-spacing:.15em;text-transform:uppercase;color:#5b7186}
.pcards.compact{gap:16px}
.pcards.compact .pc-ph{border-radius:16px;box-shadow:0 10px 26px rgba(0,38,74,.14)}
.pcards.compact .pc b{font-size:.92rem;margin-top:12px}
.pcards.compact .pc-role{font-size:.56rem;letter-spacing:.12em}
.pc-ph img[loading]{background:#eef2f7}

/* trust strip */
.trust{margin-top:0;padding-bottom:20px;background:#fff}
.trust-in{box-shadow:none;border:1px solid var(--line);border-radius:22px;background:#fff}
.trust-in .ico{background:var(--navy)}
.trust-in .ico svg{stroke:var(--yellow)}
.trust-in h3{font:700 1.04rem/1.25 var(--head)}
.trust-in>div{padding:34px 34px}

/* just a text away band */
.textband{background:linear-gradient(135deg,#fff9e8 0%,#fff3cf 100%);padding:96px 0;border-top:1px solid #f6e6b4;border-bottom:1px solid #f6e6b4}
.tb-in{display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:center}
.tb-copy h2{margin-bottom:.5em}
.tb-card{background:#fff;border-radius:24px;padding:40px 38px;box-shadow:var(--shadow);border-top:6px solid var(--yellow);text-align:center}
.tb-lab{display:block;font:700 .72rem/1 var(--head);letter-spacing:.24em;text-transform:uppercase;color:#5b7186;margin-bottom:12px}
.tb-num{display:block;font:800 clamp(1.9rem,3.4vw,2.5rem)/1.1 var(--head);color:var(--navy);text-decoration:none;letter-spacing:-.02em;margin-bottom:22px}
.tb-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.tb-card .fine{margin:18px 0 0}

/* tiles / steps / reviews / faq */
.tile{border-radius:20px;box-shadow:0 2px 0 rgba(0,38,74,.02)}
.tile:hover{border-color:#f3d37e}
.tile .ico{background:var(--navy);border-radius:16px}
.tile .ico svg{stroke:var(--yellow)}
.tile h3{font-size:1.2rem}
.tile .more{font:700 .72rem/1 var(--head);letter-spacing:.14em}
.tile .more::after{color:var(--yellow-d)}
.steps .step,.step{background:#fff;border:1px solid var(--line);box-shadow:0 10px 30px rgba(0,38,74,.06)}
.step .n{font:800 2.6rem/1 var(--head);color:var(--navy);margin-bottom:16px}
.step .n::after{content:"";display:block;width:36px;height:4px;border-radius:3px;background:var(--yellow);margin-top:12px}
.step h3{color:var(--navy)}
.prog .tag{font:700 .72rem/1.2 var(--head);letter-spacing:.22em;text-transform:uppercase;color:#5b7186;margin-bottom:10px}
.rev{border-radius:26px}
.rev::before{font:800 7rem/1 var(--head);color:var(--yellow);opacity:.9;top:-4px}
.rev blockquote{font:500 1.12rem/1.8 'Open Sans',sans-serif;color:var(--ink)}
.faq summary{font:700 1rem/1.4 var(--head)}
.faq details[open]{border-color:#f3d37e;box-shadow:0 10px 28px rgba(253,183,24,.16)}
input:focus,select:focus,textarea:focus{border-color:var(--navy);box-shadow:0 0 0 4px rgba(253,183,24,.35)}
.form-note{background:#fff8e6;border-color:var(--yellow)}

/* cta band (light) */
.cta{padding:104px 0;color:var(--body)}
.cta::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(255,255,255,.94),rgba(255,255,255,.8))}
.cta .hero-bg{filter:none;background-position:center 60%}
.cta h2{color:var(--navy);font-size:clamp(1.9rem,3.8vw,3rem)}
.cta p{color:var(--body)}
.cta-text{margin:26px 0 0!important;font-size:.95rem}
.cta-text a{font-weight:700}

/* calculator + contact + blog accents */
.calc .res{background:var(--navy)}
.calc .amt{font:800 clamp(2.3rem,5vw,3.4rem)/1.05 var(--head)}
.calc .lab{color:var(--yellow);font-family:var(--head)}
.info-card{background:var(--mist);color:var(--body);border:1px solid var(--line);border-top:5px solid var(--yellow)}
.info-card h2,.info-card h3{color:var(--navy)}
.info-card a{color:var(--navy);font-weight:600}
.info-card li{border-bottom:1px solid var(--line)}
.info-card li b{color:var(--navy);font-family:var(--head)}
.info-card .social a{background:var(--navy);color:#fff}
.info-card .social a:hover{background:var(--yellow);color:var(--navy)}
.post-lead{border-left-color:var(--yellow)}
.post-cta .box{background:linear-gradient(135deg,#fff9e8,#fff3cf);color:var(--body);border:1px solid #f6e6b4}
.post-cta h2{color:var(--navy)}
.pcard .pimg{background:#eef2f7}
.pcard .pmeta,.pcard .more{font-family:var(--head)}
.pcard .pmeta{color:#5b7186}
.draft-flag{background:#fff3cf}

/* team page */
.tm-hero{padding:68px 0 0}
.tm-head{text-align:center;max-width:46rem;margin:0 auto 52px}
.tm-head h1{font-size:clamp(2.6rem,6vw,4.6rem)}
.tm-head .lead{margin:0 auto}
.tm-hero::before{background:linear-gradient(180deg,rgba(255,255,255,.96),rgba(255,255,255,.86) 60%,rgba(255,255,255,.96))}
.tm-hero .phero-in{max-width:none}
.tm-pills{padding:44px 24px 56px}
.pill{background:#fff;color:var(--navy);border:2px solid var(--yellow);box-shadow:0 8px 24px rgba(0,38,74,.1);font-family:var(--head);font-weight:700;font-size:.92rem}
.pill:hover{background:var(--yellow);color:var(--navy)}
.pill svg{stroke:var(--navy)}
.tm-strip{background:var(--mist);color:var(--body);border-top:1px solid var(--line)}
.tm-strip b{color:var(--navy)}
.tcard{border-radius:24px;box-shadow:0 14px 40px rgba(0,38,74,.08);grid-template-columns:230px minmax(0,1fr)}
.tcard.lead{grid-template-columns:340px minmax(0,1fr)}
.tcard .ph{background:#eef2f7;min-height:0;position:relative;display:block}
.tcard .ph::after{content:"";position:absolute;left:0;right:0;bottom:0;height:5px;background:var(--yellow)}
.tcard .ph img{width:100%;height:100%;object-fit:cover;object-position:center top;filter:none;position:absolute;inset:0}
.tcard .role{font-family:var(--head);color:#5b7186}
.tcard h3{font-size:1.6rem}
.note-nc{border-left-color:var(--yellow)}

/* footer stays navy (compliance logos are white artwork) */
.site-footer h4{color:var(--yellow);font-family:var(--head)}

@media(max-width:1240px){.nav>a,.nav .dd>button{font-size:.7rem;padding:12px 7px;letter-spacing:.09em}}
@media(max-width:1040px){.pcards{gap:16px}.pc b{font-size:.95rem}.tb-in{gap:40px}.tcard{grid-template-columns:200px minmax(0,1fr)}.tcard.lead{grid-template-columns:260px minmax(0,1fr)}}
@media(max-width:900px){
 :root{--logo-h:40px}
 .brand img,.is-stuck .brand img{height:40px}
 .sec{padding:76px 0}
 .hero{padding:52px 0 60px}
 .pcards{grid-template-columns:repeat(6,minmax(0,1fr));gap:18px}
 .pc{grid-column:span 2}.pc:nth-child(4){grid-column:2/4}.pc:nth-child(5){grid-column:4/6}
 .tb-in{grid-template-columns:1fr}
 .trust-in>div{padding:26px}
 .topbar .tb-hrs{display:none}.topbar .wrap{justify-content:center}
 .phero::before{background:linear-gradient(180deg,rgba(255,255,255,.96),rgba(255,255,255,.88))}
 .tcard,.tcard.lead{grid-template-columns:minmax(0,1fr)}
 .tcard .ph,.tcard.lead .ph{aspect-ratio:4/5;max-width:340px;width:100%;max-height:none;margin:0 auto;border-radius:0 0 0 0}
 .tcard .ph img{position:absolute;width:100%;height:100%}
}
@media(max-width:560px){
 :root{--logo-h:30px}
 .brand img,.is-stuck .brand img{height:auto;width:min(270px,68vw)}
 .pcards{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
 .pc,.pc:nth-child(4){grid-column:auto}
 .pc:nth-child(5){grid-column:1/-1;width:calc(50% - 8px);justify-self:center}
 .pc b{font-size:.95rem}
 .hero-wide .pcards{margin-top:44px}
 .tb-card{padding:30px 22px}
 .sec{padding:64px 0}
 .tcard .ph,.tcard.lead .ph{max-width:100%;max-height:none;aspect-ratio:4/5}
 .tcard .ph img{width:100%;height:100%}
 .textband{padding:64px 0}
}
.phero .script,.cta .script,.script{font:700 .74rem/1.2 var(--head);letter-spacing:.24em;color:var(--navy);margin-bottom:18px}
.hero::before{background:radial-gradient(ellipse 58% 60% at 50% 34%,rgba(255,255,255,.96) 0%,rgba(255,255,255,.8) 55%,rgba(255,255,255,.2) 100%),linear-gradient(0deg,#fff 0,rgba(255,255,255,.85) 20%,rgba(255,255,255,0) 48%)}
.tm-hero::before{background:linear-gradient(180deg,rgba(255,255,255,.9),rgba(255,255,255,.72) 60%,rgba(255,255,255,.92))}
.tile{overflow:hidden}
.tile::before{display:none}
.tile::after{content:"";position:absolute;left:32px;top:0;width:44px;height:4px;border-radius:0 0 4px 4px;background:var(--yellow)}
.cta-text{max-width:none!important;margin:26px auto 0!important;text-align:center}
.tcard{align-items:start}
.tcard .ph,.tcard.lead .ph{align-self:start;aspect-ratio:4/5;height:auto;margin:24px 0 24px 24px;border-radius:18px;overflow:hidden;max-width:none}
.tcard .ph img{position:static;width:100%;height:100%}
.tcard a[href^="mailto"]{overflow-wrap:anywhere;font-size:.92rem}
@media(max-width:900px){.tcard .ph,.tcard.lead .ph{margin:22px auto 0;width:min(300px,calc(100% - 44px))}}
/* ===== Trusted Vendors ===== */
.tv-wrap{position:relative;background:#fff}
.tv-jump{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin:0 auto 56px;max-width:980px}
.tv-jump a{display:inline-flex;align-items:center;gap:8px;padding:9px 16px;border:1.5px solid #d5deeb;border-radius:999px;background:#fff;color:var(--navy);font-weight:700;font-size:.9rem;text-decoration:none;transition:.2s}
.tv-jump a:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.tv-jump svg{width:18px;height:18px;flex:0 0 auto}
.tv-cats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}
.tv-sec{position:relative;background:linear-gradient(180deg,#f6f9fd,#fff 70%);border:1px solid #e3eaf4;border-radius:22px;padding:26px;scroll-margin-top:110px;box-shadow:0 18px 40px -28px rgba(0,38,74,.35);overflow:hidden}
.tv-sec::before{content:"";position:absolute;inset:0 0 auto 0;height:4px;background:linear-gradient(90deg,var(--navy),var(--navy),var(--yellow))}
.tv-head{display:flex;align-items:center;gap:14px;margin-bottom:18px}
.tv-head h3{margin:0;font-size:1.45rem}
.tv-note{margin:2px 0 0;color:var(--body);font-size:.92rem}
.tv-ico{width:52px;height:52px;border-radius:16px;display:grid;place-items:center;background:var(--navy);color:#fff;flex:0 0 auto;box-shadow:0 8px 18px -8px rgba(0,38,74,.6)}
.tv-ico svg{width:26px;height:26px}
.tv-grid{display:grid;gap:14px}
.tv-card{display:flex;gap:16px;background:#fff;border:1px solid #e3eaf4;border-radius:16px;padding:18px}
.tv-card.is-ph{border-style:dashed;border-color:#b9c7da;background:repeating-linear-gradient(135deg,#fff 0 14px,#fafcff 14px 28px)}
.tv-logo{width:64px;height:64px;border-radius:14px;flex:0 0 auto;display:grid;place-items:center;background:#eef3fa;color:#8aa0bd;border:1.5px dashed #c6d3e4}
.tv-logo svg{width:30px;height:30px}.tv-logo img{width:100%;height:100%;object-fit:contain;border-radius:12px}
.tv-body{min-width:0;flex:1}
.tv-cat{display:block;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;font-weight:800;color:#6a7f96}
.tv-name{font-family:var(--head);font-size:1.12rem;margin:2px 0 4px;color:var(--navy)}
.tv-blurb{margin:0 0 6px;color:var(--body);font-size:.95rem;line-height:1.5}
.tv-phone{display:flex;align-items:center;gap:6px;margin:0 0 12px;font-size:.92rem}.tv-phone svg{width:15px;height:15px;color:var(--navy)}
.tv-muted{color:#8193ab}
.tv-web.is-off{opacity:.55;cursor:default;pointer-events:none;padding:9px 16px;font-size:.85rem}
.tv-apply{display:block;margin-top:10px;font-size:.85rem;font-weight:700}
.tv-fgrid{display:grid;grid-template-columns:1fr 1fr;gap:18px 20px}.tv-fgrid .full{grid-column:1/-1}
.tv-apply-split{align-items:center}
.tv-disclaimer{padding:34px 0;background:#fff;border-top:1px solid #e3eaf4}
.tv-disclaimer p{max-width:820px;margin:0 auto;text-align:center;font-size:.92rem;color:var(--body);font-style:italic}
@media (max-width:900px){.tv-cats{grid-template-columns:1fr}}
@media (max-width:560px){.tv-fgrid{grid-template-columns:1fr}.tv-sec{padding:20px 16px}.tv-card{padding:14px;gap:12px}.tv-logo{width:52px;height:52px}.tv-jump a{font-size:.82rem;padding:8px 12px}}
.tv-sec::before{background:linear-gradient(90deg,var(--navy) 0 70%,var(--yellow) 70%)}
.tv-head h3{font-size:1.2rem}.tv-name{font-size:1rem;font-weight:700;letter-spacing:0}
.tv-jump a{font-family:var(--head);font-weight:600}
.tv-form h3{margin-bottom:18px}.tv-form .btn{margin-top:20px}
.tv-disclaimer p{font-style:normal}
.tn-compass{display:block;height:auto;max-width:100%;image-rendering:auto}
.tv-disclaimer .tn-compass{margin:0 auto 14px}
.tn-compass-l{margin:0 0 18px -6px}
.tv-name{text-transform:none;letter-spacing:0;font-size:1.02rem}
.tv-web{white-space:nowrap}@media (max-width:560px){.tv-web.is-off{font-size:.64rem;padding:10px 14px;letter-spacing:.08em}.tv-jump{gap:8px}.tv-jump a{padding:7px 12px;font-size:.78rem}}

.exp-card{max-width:760px;margin:34px auto 0;background:#fff;border:2px solid #003462;border-radius:14px;padding:28px 22px;text-align:center}
.exp-card.exp-compact{margin-top:28px;border-width:1px}
.exp-stat{font-family:Montserrat,sans-serif;color:#003462;font-size:1.1rem;margin:0 0 16px}
.exp-stat b{font-size:1.35em}.exp-stat span{color:#FDB718}
.exp-widget{max-width:100%;overflow-x:auto;margin-top:30px}.exp-more{text-align:center;margin-top:20px}
/* States We Serve */
.st-grid{display:grid;grid-template-columns:repeat(7,minmax(0,1fr));gap:14px}
.st-card{display:flex;flex-direction:column;gap:6px;align-items:flex-start;padding:20px 14px 16px;background:#fff;border:1px solid #e3eaf4;border-radius:18px;text-decoration:none;position:relative;overflow:hidden;box-shadow:0 14px 34px -26px rgba(0,38,74,.4);transition:.2s}
.st-card::before{content:"";position:absolute;inset:0 0 auto 0;height:4px;background:linear-gradient(90deg,var(--navy) 0 70%,var(--yellow) 70%)}
.st-card:hover{transform:translateY(-3px);border-color:var(--navy);box-shadow:0 18px 40px -22px rgba(0,38,74,.5)}
.st-badge{display:inline-grid;place-items:center;min-width:46px;height:46px;padding:0 10px;border-radius:14px;background:var(--navy);color:#fff;font:700 .95rem/1 var(--head);letter-spacing:.04em}
.st-name{font:700 .98rem/1.2 var(--head);color:var(--navy);margin-top:6px}
.st-go{font-size:.74rem;color:var(--body);line-height:1.35}
.st-go::after{content:" \2192";color:var(--navy);font-weight:700}
.st-verified{max-width:760px;margin:32px auto 0}
.navy-band{background:var(--navy);color:#d6e6f3}
.navy-band h2,.navy-band .eyebrow{color:#fff}.navy-band p{max-width:720px;margin:0 auto 26px;color:#d6e6f3}
.st-facts{text-align:left}.st-facts .st-badge{margin-bottom:14px}.st-facts .tb-btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}
.st-loans{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:20px}
.st-loans .tile{display:flex;flex-direction:column;height:100%}.st-loans .tile .more{margin-top:auto;padding-top:10px}.st-loans .tile h3{font-size:1.05rem}
.st-steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.st-steps li{background:linear-gradient(180deg,#f6f9fd,#fff 70%);border:1px solid #e3eaf4;border-radius:18px;padding:24px 22px}
.st-steps .ico{width:46px;height:46px;border-radius:14px;display:grid;place-items:center;background:var(--navy);color:#fff;margin-bottom:12px}.st-steps .ico svg{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.st-n{display:block;font:700 .72rem/1 var(--head);letter-spacing:.18em;text-transform:uppercase;color:#6a7f96;margin-bottom:6px}
.st-steps h3{font-size:1.1rem;margin-bottom:.3em}.st-steps p{margin:0;font-size:.95rem}
.st-seats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.st-seat{display:flex;gap:16px;background:#fff;border:1px solid #e3eaf4;border-radius:18px;padding:20px;min-width:0}
.st-seat.is-open{border-style:dashed;border-color:#b9c7da;background:repeating-linear-gradient(135deg,#fff 0 14px,#fafcff 14px 28px)}
.st-seat-ph{width:64px;height:64px;border-radius:50%;flex:0 0 auto;display:grid;place-items:center;background:#eef3fa;color:#8aa0bd;border:1.5px dashed #c6d3e4;overflow:hidden}
.st-seat-ph svg{width:30px;height:30px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.st-seat-ph img{width:100%;height:100%;object-fit:cover}.st-seat:not(.is-open) .st-seat-ph{border:0;background:#eef3fa}
.st-seat-body{min-width:0;flex:1}.st-seat-body p{margin:0 0 12px;font-size:.92rem;line-height:1.45}
.st-seat-name{font-family:var(--head);font-size:1.1rem;margin:2px 0 6px;color:var(--navy);letter-spacing:0}
.st-legal{max-width:860px;margin:34px auto 0;text-align:center}.st-legal p{font-size:.9rem;color:var(--body);margin:0 0 10px}
.st-chips{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;max-width:980px;margin:0 auto}
.st-chips a{padding:9px 16px;border:1.5px solid #d5deeb;border-radius:999px;background:#fff;color:var(--navy);font:600 .88rem var(--head);text-decoration:none;transition:.2s}
.st-chips a:hover,.st-chips a[aria-current]{background:var(--navy);border-color:var(--navy);color:#fff}
.st-comp{padding:26px 0;background:#fff;border-top:1px solid #e3eaf4}.st-comp p{margin:0 auto;max-width:900px;text-align:center;font-size:.8rem;color:#5b7186;line-height:1.55}
.tv-disclaimer p+p{margin-top:10px}
@media (max-width:1000px){.st-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.st-name{font-size:1.05rem}.st-go{font-size:.82rem}.st-steps{grid-template-columns:repeat(2,minmax(0,1fr))}.st-seats{grid-template-columns:1fr}}
@media (max-width:640px){.st-grid{gap:10px}.st-card{padding:14px 10px 12px}.st-name{font-size:.86rem}.st-badge{min-width:40px;height:40px;font-size:.85rem}.st-steps{grid-template-columns:1fr}.st-go{display:none}.st-seat{padding:16px}.st-chips a{font-size:.8rem;padding:8px 12px}}
.exp-widget{width:100%;max-width:100%;min-width:0;overflow-x:hidden;margin-top:30px}
.exp-widget #ss-custom-reviews-widget-root{width:100%;max-width:100%}
.exp-widget *{max-width:100%;box-sizing:border-box}
.exp-widget iframe,.exp-widget img{max-width:100%}
/* Areas we serve (state pages) */
.st-areas{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:20px}
.st-areas .area{background:#fff;border:1px solid #e3eaf4;border-top:4px solid #FDB718;border-radius:18px;padding:22px 22px 20px;box-shadow:0 10px 30px rgba(0,38,74,.06)}
.st-areas .area h3{font-size:1.1rem;margin:0 0 .35em;color:var(--navy)}.st-areas .area p{margin:0;font-size:.95rem}
.st-areas-note{max-width:820px;margin:28px auto 0;text-align:center}.st-areas-note p{margin:0 0 .6em}

/* Trusted Vendors: area switcher */
.tv-areas{display:flex;flex-wrap:wrap;justify-content:center;gap:12px;margin:0 auto 40px}
.tv-area-tab{display:inline-flex;align-items:center;gap:10px;padding:13px 22px;border-radius:999px;border:2px solid var(--navy);background:#fff;color:var(--navy);font-family:var(--head);font-weight:700;font-size:1rem;text-decoration:none;transition:.2s}
.tv-area-tab svg{width:20px;height:20px;color:var(--yellow)}
.tv-area-tab:hover,.tv-area-tab.is-on{background:var(--navy);color:#fff}
.tv-area{scroll-margin-top:110px}.tv-area+.tv-area{margin-top:72px;padding-top:56px;border-top:1px solid #e3eaf4}
.tv-js .tv-area+.tv-area{margin-top:0;padding-top:0;border-top:0}
.tv-area[hidden]{display:none}
.tv-area-head{text-align:center;margin:0 auto 26px;max-width:720px}.tv-area-head h2{margin:6px 0 8px}.tv-area-head p{margin:0;color:var(--body)}
@media(max-width:600px){.tv-areas{flex-direction:column;align-items:stretch}.tv-area-tab{justify-content:center}}

.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.byline{display:flex;gap:16px;align-items:center;margin:40px 0 0;padding:20px 22px;border:1px solid var(--line);border-left:4px solid var(--yellow);border-radius:14px;background:var(--mist)}.byline p{margin:0}.byline strong{color:var(--navy);font-family:var(--head)}