:root{--cream:#f7f2e8;--paper:#ebe3d0;--paper-soft:#f0e9d8;--paper-deep:#ddd1b3;--ink:#2a1f15;--ink-2:#3a2a1f;--ink-bg:#2d2c28;--ink-dim:#6b5d50;--ink-muted:#9a8d7c;--gold:#b89968;--gold-deep:#95764a;--gold-soft:#b899681f;--navy:#1a3a5c;--navy-deep:#102640;--navy-soft:#1a3a5c1a;--line:#2a1f151a;--line-strong:#2a1f1538;--line-gold:#b8996866;--success:#2d6a4f;--warn:#c97b2b;--error:#b8412c;--shadow-sm:0 2px 8px #2a1f150f;--shadow-md:0 8px 24px #2a1f1514;--shadow-lg:0 24px 48px -12px #2a1f152e;--serif:"Source Serif 4", Georgia, serif;--sans:"Inter", -apple-system, system-ui, sans-serif;--mono:"JetBrains Mono", "IBM Plex Mono", monospace;--ease:cubic-bezier(.2, .9, .3, 1)}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--sans);background:var(--cream);color:var(--ink);-webkit-font-smoothing:antialiased;text-rendering:optimizelegibility;font-size:16px;line-height:1.5}body:before{content:"";pointer-events:none;z-index:100;opacity:.35;mix-blend-mode:multiply;background-image:url("data:image/svg+xml;utf8,<svg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/><feColorMatrix values='0 0 0 0 0  0 0 0 0 0  0 0 0 0 0  0 0 0 0.05 0'/></filter><rect width='100%25' height='100%25' filter='url(%23n)'/></svg>");position:fixed;inset:0}a{color:inherit;text-decoration:none}.btn{font-family:var(--sans);letter-spacing:.05em;text-transform:uppercase;cursor:pointer;transition:all .3s var(--ease);border:none;align-items:center;gap:10px;padding:12px 22px;font-size:13px;font-weight:700;text-decoration:none;display:inline-flex;position:relative;overflow:hidden}.btn-primary{background:var(--navy);color:var(--cream)}.btn-primary:before{content:"";background:var(--navy-deep);transition:transform .3s var(--ease);position:absolute;inset:0;transform:translateY(100%)}.btn-primary:hover:before{transform:translateY(0)}.btn-primary>*{z-index:1;position:relative}.btn-primary svg{transition:transform .3s}.btn-primary:hover svg{transform:translate(3px)}.btn-gold{background:var(--gold);color:var(--ink)}.btn-gold:hover{background:var(--gold-deep);color:var(--cream)}.status-ribbon{background:var(--ink-bg);color:var(--cream);font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;padding:10px 0;font-size:11px}.status-inner{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:24px;max-width:1360px;margin:0 auto;padding:0 40px;display:flex}.status-left{color:#f7f2e8b3;align-items:center;gap:22px;display:flex}.status-dot{background:var(--gold);border-radius:50%;flex-shrink:0;width:6px;height:6px;animation:2.4s ease-in-out infinite pulse-dot;box-shadow:0 0 10px #b8996899}@keyframes pulse-dot{0%,to{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(1.3)}}.status-right{align-items:center;gap:8px;display:flex}.status-right strong{color:var(--gold);font-weight:700}.topbar-wrap{border-bottom:1px solid var(--line);z-index:50;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);background:#f7f2e8f0;position:sticky;top:0}.topbar{justify-content:space-between;align-items:center;gap:32px;max-width:1360px;margin:0 auto;padding:18px 40px;display:flex}.brand{flex-shrink:0;align-items:center;gap:14px;text-decoration:none;transition:opacity .25s;display:flex}.brand:hover{opacity:.85}.brand-logo{flex-shrink:0;width:auto;height:50px;display:block}.brand-wordmark{font-family:var(--serif);color:var(--ink-2);letter-spacing:-.02em;font-size:20px;font-weight:500}.brand-wordmark em{color:var(--gold-deep);font-style:italic}.brand-tagline{font-family:var(--mono);letter-spacing:.22em;text-transform:uppercase;color:var(--ink-muted);border-left:1px solid var(--line-strong);white-space:nowrap;padding-left:14px;font-size:9.5px;font-weight:600}.nav-main{align-items:center;gap:28px;display:flex}.nav-main a{color:var(--ink-dim);font-size:14px;font-weight:500;transition:color .2s}.nav-main a:hover{color:var(--ink)}.nav-main a.has-menu:after{content:"⌄";opacity:.6;margin-left:6px;font-size:12px;position:relative;top:-2px}.nav-cta-row{flex-shrink:0;align-items:center;gap:12px;display:flex}.nav-phone{font-family:var(--mono);color:var(--ink);letter-spacing:.02em;font-size:13px;font-weight:600}.hero{background:var(--cream);position:relative;overflow:hidden}.hero:before{content:"";background:radial-gradient(ellipse at 0% 100%, var(--gold-soft), transparent 50%), radial-gradient(ellipse at 100% 0%, var(--navy-soft), transparent 60%);pointer-events:none;position:absolute;inset:0}.hero-inner{z-index:1;grid-template-columns:1.05fr 1fr;align-items:center;gap:72px;max-width:1360px;margin:0 auto;padding:80px 40px 72px;display:grid;position:relative}.hero-eyebrow{font-family:var(--mono);letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep);align-items:center;gap:14px;margin-bottom:28px;font-size:11px;display:flex}.hero-eyebrow:before{content:"";background:var(--gold);width:28px;height:1px}.hero-eyebrow strong{color:var(--ink);font-weight:600}.hero-headline{font-family:var(--serif);letter-spacing:-.025em;color:var(--ink);margin-bottom:28px;font-size:clamp(44px,5.4vw,78px);font-weight:300;line-height:1.02}.hero-headline em{color:var(--gold-deep);font-style:italic;font-weight:400;position:relative}.hero-headline em:after{content:"";background:var(--gold-soft);z-index:-1;height:6px;position:absolute;bottom:4px;left:0;right:0}.hero-deck{color:var(--ink-dim);max-width:500px;margin-bottom:32px;font-size:18px;line-height:1.55}.hero-deck strong{color:var(--ink);font-weight:600}.hero-trust{border-top:1px solid var(--line);flex-wrap:wrap;gap:28px;padding-top:24px;display:flex}.hero-trust-item{flex-direction:column;gap:4px;display:flex}.hero-trust-item .num{font-family:var(--serif);color:var(--ink);letter-spacing:-.02em;font-size:28px;font-style:italic;font-weight:400;line-height:1}.hero-trust-item .num em{color:var(--gold-deep);font-style:italic}.hero-trust-item .lbl{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--ink-muted);font-size:9.5px;line-height:1.4}.lead-form-card{border:1px solid var(--line-strong);box-shadow:var(--shadow-lg);background:#fcfaf3;position:relative;overflow:hidden}.lead-form-card:before{content:"";background:linear-gradient(90deg, var(--gold), var(--gold-deep), var(--gold));height:4px;position:absolute;top:0;left:0;right:0}.lf-head{border-bottom:1px solid var(--line);justify-content:space-between;align-items:flex-start;gap:16px;padding:24px 28px 18px;display:flex}.lf-head-text{flex-direction:column;gap:4px;display:flex}.lf-eyebrow{font-family:var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--gold-deep);font-size:10px;font-weight:600}.lf-title{font-family:var(--serif);color:var(--ink);letter-spacing:-.015em;font-size:22px;font-weight:500;line-height:1.2}.lf-step-counter{font-family:var(--mono);letter-spacing:.15em;text-transform:uppercase;color:var(--ink-muted);white-space:nowrap;align-items:center;gap:8px;padding-top:4px;font-size:10.5px;display:flex}.lf-step-counter strong{color:var(--ink);font-weight:700}.lf-progress{background:var(--line);height:3px;position:relative;overflow:hidden}.lf-progress-bar{background:var(--gold);transition:width .4s var(--ease);position:absolute;top:0;bottom:0;left:0}.lf-body{min-height:280px;padding:26px 28px 24px}.lf-step-prompt{font-family:var(--serif);color:var(--ink);letter-spacing:-.01em;margin-bottom:18px;font-size:17px;font-weight:500;line-height:1.35}.lf-step-prompt em{color:var(--gold-deep);font-style:italic}.lf-types{grid-template-columns:1fr 1fr;gap:8px;margin-bottom:12px;display:grid}.lf-type{border:1px solid var(--line-strong);cursor:pointer;text-align:left;transition:all .25s var(--ease);font-family:var(--sans);background:0 0;align-items:center;gap:12px;padding:14px;display:flex}.lf-type:hover{border-color:var(--gold);background:var(--gold-soft)}.lf-type.active{border-color:var(--navy);background:var(--navy);color:var(--cream)}.lf-type-icon{width:24px;height:24px;color:var(--gold-deep);flex-shrink:0}.lf-type.active .lf-type-icon{color:var(--gold)}.lf-type-label{flex-direction:column;flex:1;gap:2px;display:flex}.lf-type-name{color:inherit;font-size:14px;font-weight:600}.lf-type-desc{color:var(--ink-muted);font-size:11px;line-height:1.3}.lf-type.active .lf-type-desc{color:#f7f2e8b3}.lf-type-more{border:1px dashed var(--line-strong);cursor:pointer;text-align:center;color:var(--ink-dim);width:100%;font-size:12px;font-weight:500;font-family:var(--sans);background:0 0;padding:10px 14px;transition:all .2s}.lf-type-more:hover{color:var(--ink);border-color:var(--ink-dim)}.lf-field{margin-bottom:14px}.lf-field-row{grid-template-columns:1fr 1fr;gap:10px;display:grid}.lf-label{font-family:var(--mono);letter-spacing:.15em;text-transform:uppercase;color:var(--ink-dim);margin-bottom:6px;font-size:10px;font-weight:600;display:block}.lf-input,.lf-select{width:100%;font-family:var(--sans);background:var(--cream);border:1px solid var(--line-strong);color:var(--ink);padding:12px 14px;font-size:14px;transition:border-color .2s}.lf-input:focus,.lf-select:focus{border-color:var(--gold);outline:none}.lf-input::placeholder{color:var(--ink-muted)}.lf-pill-group{flex-wrap:wrap;gap:6px;display:flex}.lf-pill{border:1px solid var(--line-strong);color:var(--ink-dim);font-family:var(--sans);cursor:pointer;background:0 0;padding:8px 14px;font-size:12px;font-weight:500;transition:all .2s}.lf-pill:hover{color:var(--ink);border-color:var(--ink-dim)}.lf-pill.active{background:var(--ink-bg);border-color:var(--ink-bg);color:var(--cream)}.lf-consent{background:var(--paper-soft);border-left:2px solid var(--gold);color:var(--ink-dim);margin:14px 0;padding:14px 16px;font-size:12px;line-height:1.5}.lf-checkbox{cursor:pointer;align-items:flex-start;gap:10px;margin-bottom:10px;display:flex}.lf-checkbox:last-child{margin-bottom:0}.lf-checkbox input{accent-color:var(--gold);flex-shrink:0;width:14px;height:14px;margin-top:3px}.lf-checkbox-text{color:var(--ink-dim);font-size:11.5px;line-height:1.5}.lf-checkbox-text a{color:var(--navy);text-underline-offset:2px;text-decoration:underline}.lf-foot{border-top:1px solid var(--line);background:var(--paper-soft);justify-content:space-between;align-items:center;padding:16px 28px;display:flex}.lf-back{color:var(--ink-dim);font-family:var(--sans);letter-spacing:.05em;text-transform:uppercase;cursor:pointer;background:0 0;border:none;align-items:center;gap:6px;font-size:12px;font-weight:500;transition:color .2s;display:inline-flex}.lf-back:hover{color:var(--ink)}.lf-back:disabled{opacity:.3;cursor:not-allowed}.lf-next{background:var(--navy);color:var(--cream);font-family:var(--sans);letter-spacing:.06em;text-transform:uppercase;cursor:pointer;border:none;align-items:center;gap:10px;padding:12px 22px;font-size:13px;font-weight:700;transition:background .25s;display:inline-flex}.lf-next:hover{background:var(--navy-deep)}.lf-next:disabled{opacity:.4;cursor:not-allowed}.lf-confirm{text-align:center;padding:8px 0 0}.lf-check-icon{background:var(--gold-soft);border:1px solid var(--gold);border-radius:50%;justify-content:center;align-items:center;width:56px;height:56px;margin:0 auto 18px;display:flex}.lf-check-icon svg{width:28px;height:28px;color:var(--gold-deep)}.lf-confirm h4{font-family:var(--serif);letter-spacing:-.015em;color:var(--ink);margin-bottom:10px;font-size:24px;font-weight:500}.lf-confirm h4 em{color:var(--gold-deep);font-style:italic}.lf-confirm p{color:var(--ink-dim);max-width:320px;margin:0 auto 18px;font-size:14px;line-height:1.55}.lf-confirm-time{background:var(--paper);font-family:var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--ink-dim);margin-bottom:18px;padding:14px 16px;font-size:11px}.lf-confirm-time strong{color:var(--ink);font-weight:700}.trust-band{background:var(--ink-bg);color:var(--cream);padding:0}.trust-inner{grid-template-columns:repeat(4,1fr);max-width:1360px;margin:0 auto;display:grid}.trust-cell{text-align:center;border-right:1px solid #f7f2e81a;padding:36px 32px}.trust-cell:last-child{border-right:none}.trust-num{font-family:var(--serif);color:var(--gold);letter-spacing:-.03em;margin-bottom:8px;font-size:56px;font-weight:300;line-height:1}.trust-num em{color:var(--cream);font-size:.55em;font-style:italic;font-weight:400}.trust-lbl{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:#f7f2e8a6;font-size:10.5px;line-height:1.5}.trust-lbl strong{color:var(--gold);font-weight:600}.section{max-width:1360px;margin:0 auto;padding:96px 40px 88px}.section-head{grid-template-columns:1.2fr 1fr;align-items:end;gap:40px;margin-bottom:56px;display:grid}.section-eyebrow{font-family:var(--mono);letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep);align-items:center;gap:14px;margin-bottom:20px;font-size:11px;display:flex}.section-eyebrow:before{content:"";background:var(--gold);width:28px;height:1px}.section-eyebrow strong{color:var(--ink);font-weight:600}.section-title{font-family:var(--serif);letter-spacing:-.025em;color:var(--ink);font-size:clamp(36px,4.4vw,60px);font-weight:300;line-height:1.02}.section-title em{color:var(--gold-deep);font-style:italic;position:relative}.section-title em:after{content:"";background:var(--gold-soft);z-index:-1;height:5px;position:absolute;bottom:3px;left:0;right:0}.section-deck{color:var(--ink-dim);text-align:right;max-width:420px;margin-left:auto;font-size:16px;line-height:1.55}.section-deck strong{color:var(--ink);font-weight:600}.loan-router-section{background:var(--paper-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.loan-router{grid-template-columns:repeat(4,1fr);gap:16px;display:grid}.loan-card{background:var(--cream);border:1px solid var(--line);color:var(--ink);transition:all .35s var(--ease);cursor:pointer;text-align:left;font-family:var(--sans);flex-direction:column;padding:26px 24px 22px;text-decoration:none;display:flex;position:relative;overflow:hidden}.loan-card:before{content:"";background:var(--gold);transform-origin:0;height:2px;transition:transform .35s var(--ease);position:absolute;top:0;left:0;right:0;transform:scaleX(0)}.loan-card:hover{border-color:var(--gold);box-shadow:var(--shadow-md);transform:translateY(-3px)}.loan-card:hover:before{transform:scaleX(1)}.lc-head{justify-content:space-between;align-items:flex-start;margin-bottom:18px;display:flex}.lc-num{font-family:var(--mono);letter-spacing:.18em;color:var(--ink-muted);font-size:10px;font-weight:600}.lc-icon{border:1px solid var(--line-strong);width:36px;height:36px;color:var(--gold-deep);border-radius:50%;justify-content:center;align-items:center;transition:all .3s;display:flex}.loan-card:hover .lc-icon{border-color:var(--gold);background:var(--gold-soft);transform:rotate(45deg)}.lc-question{font-family:var(--mono);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:8px;font-size:10px}.lc-title{font-family:var(--serif);letter-spacing:-.018em;color:var(--ink);margin-bottom:8px;font-size:22px;font-weight:500;line-height:1.15}.lc-title em{color:var(--gold-deep);font-style:italic}.lc-sub{color:var(--ink-dim);flex:1;margin-bottom:18px;font-size:13px;line-height:1.5}.lc-foot{border-top:1px solid var(--line);justify-content:space-between;align-items:center;padding-top:14px;display:flex}.lc-go{font-family:var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--ink);align-items:center;gap:8px;font-size:11px;font-weight:700;transition:color .25s;display:flex}.loan-card:hover .lc-go{color:var(--gold-deep)}.loan-card:hover .lc-go svg{transform:translate(3px)}.lc-go svg{transition:transform .25s}.lc-tag{font-family:var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--ink-muted);border:1px solid var(--line-strong);padding:3px 7px;font-size:9px}.router-divider{align-items:center;gap:18px;margin:36px 0 22px;display:flex}.router-divider .rd-line{background:linear-gradient(90deg, transparent, var(--line-strong), transparent);flex:1;height:1px}.router-divider .rd-label{font-family:var(--serif);color:var(--ink-muted);font-size:13px;font-style:italic}.router-divider .rd-eyebrow{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--gold-deep);font-size:10.5px;font-weight:600}.specialty-strip{border-top:1px dashed var(--line-strong);flex-wrap:wrap;align-items:center;gap:12px;margin-top:32px;padding-top:24px;display:flex}.specialty-label{font-family:var(--mono);letter-spacing:.15em;text-transform:uppercase;color:var(--ink-muted);font-size:10.5px;font-weight:600}.specialty-link{color:var(--ink-dim);border:1px solid var(--line);padding:5px 12px;font-size:13px;font-weight:500;transition:all .2s}.specialty-link:hover{color:var(--ink);border-color:var(--gold);background:var(--cream)}.calc-section{background:var(--cream);position:relative}.calc-shell{border:1px solid var(--line-strong);box-shadow:var(--shadow-md);background:#fcfaf3;overflow:hidden}.calc-tabs{border-bottom:1px solid var(--line);background:var(--paper-soft);display:flex}.calc-tab{border:none;border-right:1px solid var(--line);color:var(--ink-dim);cursor:pointer;transition:all .3s var(--ease);text-align:center;font-family:var(--sans);background:0 0;flex:1;padding:20px 16px;position:relative}.calc-tab:last-child{border-right:none}.calc-tab:hover{color:var(--ink);background:#b899680d}.calc-tab.active{color:var(--ink);background:#fcfaf3}.calc-tab.active:after{content:"";background:var(--gold);height:2px;position:absolute;bottom:-1px;left:0;right:0}.calc-tab-num{font-family:var(--mono);letter-spacing:.2em;color:var(--ink-muted);margin-bottom:4px;font-size:10px;display:block}.calc-tab.active .calc-tab-num{color:var(--gold-deep)}.calc-tab-label{font-family:var(--serif);letter-spacing:-.01em;font-size:17px;font-weight:500}.calc-body{grid-template-columns:1fr 1fr;display:grid}.calc-inputs{border-right:1px solid var(--line);padding:36px 36px 32px}.calc-mode-intro{border-bottom:1px dashed var(--line-strong);margin-bottom:24px;padding-bottom:20px}.calc-mode-eyebrow{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:8px;font-size:10.5px}.calc-mode-title{font-family:var(--serif);color:var(--ink);letter-spacing:-.015em;font-size:22px;font-weight:500;line-height:1.3}.calc-mode-title em{color:var(--gold-deep);font-style:italic}.calc-input-group{margin-bottom:20px}.calc-input-row{justify-content:space-between;align-items:baseline;margin-bottom:8px;display:flex}.calc-input-label{color:var(--ink-dim);font-size:13px;font-weight:500}.calc-input-value{font-family:var(--serif);color:var(--gold-deep);letter-spacing:-.01em;font-size:20px;font-weight:600}input[type=range].calc-range{-webkit-appearance:none;background:var(--line-strong);cursor:pointer;outline:none;width:100%;height:2px;margin:6px 0 4px}input[type=range].calc-range::-webkit-slider-thumb{appearance:none;background:var(--gold);cursor:pointer;border:2px solid var(--cream);border-radius:50%;width:18px;height:18px;transition:transform .15s;box-shadow:0 0 0 3px #b8996840}input[type=range].calc-range::-webkit-slider-thumb:hover{transform:scale(1.15)}input[type=range].calc-range::-moz-range-thumb{background:var(--gold);cursor:pointer;border:2px solid var(--cream);border-radius:50%;width:18px;height:18px;box-shadow:0 0 0 3px #b8996840}.calc-bounds{font-family:var(--mono);color:var(--ink-muted);letter-spacing:.1em;justify-content:space-between;font-size:10px;display:flex}.calc-result{background:var(--paper-soft);flex-direction:column;padding:36px 36px 32px;display:flex}.calc-result-head{justify-content:space-between;align-items:flex-start;margin-bottom:22px;display:flex}.calc-result-eyebrow{font-family:var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--ink-muted);margin-bottom:6px;font-size:10.5px}.calc-result-stamp{font-family:var(--serif);color:var(--ink-dim);font-size:13px;font-style:italic}.calc-live-badge{background:var(--gold-soft);border:1px solid var(--gold);color:var(--gold-deep);font-family:var(--mono);letter-spacing:.15em;text-transform:uppercase;align-items:center;gap:6px;padding:4px 8px;font-size:9.5px;font-weight:600;display:inline-flex}.calc-live-badge:before{content:"";background:var(--gold-deep);border-radius:50%;width:5px;height:5px;animation:1.6s ease-in-out infinite pulse-dot}.calc-primary-result{border-bottom:1px dashed var(--line-strong);margin-bottom:22px;padding-bottom:22px}.calc-primary-label{font-family:var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--ink-muted);margin-bottom:10px;font-size:10.5px}.calc-primary-amount{font-family:var(--serif);letter-spacing:-.04em;color:var(--ink);margin-bottom:8px;font-size:clamp(48px,6vw,72px);font-weight:300;line-height:.95}.calc-primary-amount .currency{color:var(--ink-dim);vertical-align:top;margin-right:6px;font-size:.42em;font-weight:400;line-height:1.6}.calc-primary-amount .accent{color:var(--gold-deep)}.calc-primary-sub{color:var(--ink-dim);font-size:13px;line-height:1.5}.calc-breakdown{border-top:1px solid var(--line);border-bottom:1px solid var(--line);grid-template-columns:1fr 1fr;margin-bottom:22px;display:grid}.calc-bd-cell{border-right:1px solid var(--line);padding:14px 0}.calc-bd-cell:last-child{border-right:none;padding-left:20px}.calc-bd-cell:first-child{padding-right:20px}.calc-bd-label{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--ink-muted);margin-bottom:4px;font-size:9.5px}.calc-bd-value{font-family:var(--serif);color:var(--ink);letter-spacing:-.01em;font-size:20px;font-weight:500;line-height:1.1}.calc-bd-value .currency{color:var(--ink-dim);vertical-align:top;margin-right:2px;font-size:13px;font-weight:400;line-height:1.5}.calc-insight{background:linear-gradient(90deg, var(--gold-soft), transparent);border-left:2px solid var(--gold);color:var(--ink);margin-bottom:20px;padding:14px 16px;font-size:13px;line-height:1.5}.calc-insight strong{font-family:var(--serif);color:var(--gold-deep);font-size:16px;font-weight:600}.calc-insight em{color:var(--gold-deep);font-style:italic}.calc-cta-row{flex-wrap:wrap;align-items:center;gap:12px;margin-top:auto;display:flex}.diff-section{background:var(--paper-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.diff-grid{background:var(--line);border:1px solid var(--line-strong);grid-template-columns:repeat(4,1fr);gap:0;display:grid}.diff-cell{background:var(--cream);flex-direction:column;min-height:380px;padding:32px 28px 28px;transition:background .3s;display:flex;position:relative}.diff-cell:hover{background:#fcfaf3}.diff-cell:before{content:"";background:var(--gold);transform-origin:0;height:2px;transition:transform .4s var(--ease);position:absolute;top:0;left:0;right:0;transform:scaleX(0)}.diff-cell:hover:before{transform:scaleX(1)}.diff-cell-head{justify-content:space-between;align-items:flex-start;margin-bottom:20px;display:flex}.diff-num{font-family:var(--serif);color:var(--gold);letter-spacing:-.02em;font-size:44px;font-style:italic;font-weight:300;line-height:.9}.diff-icon{border:1px solid var(--line-strong);width:44px;height:44px;color:var(--gold-deep);transition:all .4s var(--ease);background:var(--cream);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;display:flex}.diff-icon svg{width:22px;height:22px}.diff-cell:hover .diff-icon{background:var(--gold-soft);border-color:var(--gold);transform:rotate(-8deg)scale(1.05)}.diff-title{font-family:var(--serif);color:var(--ink);letter-spacing:-.015em;margin-bottom:12px;font-size:22px;font-weight:500;line-height:1.2}.diff-title em{color:var(--gold-deep);font-style:italic}.diff-body{color:var(--ink-dim);margin-bottom:22px;font-size:13.5px;line-height:1.55}.diff-body strong{color:var(--ink);font-weight:600}.diff-proof{border-top:1px dashed var(--line-strong);align-items:center;gap:14px;margin-top:auto;padding-top:18px;display:flex}.diff-proof-num{font-family:var(--serif);color:var(--ink);letter-spacing:-.025em;align-items:baseline;gap:1px;font-size:36px;font-weight:300;line-height:1;display:flex}.diff-proof-num span{color:var(--gold-deep);margin-left:2px;font-size:14px;font-style:italic;font-weight:400}.diff-proof-lbl{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--ink-muted);flex:1;font-size:9.5px;font-weight:600;line-height:1.5}.diff-badges{background:var(--cream);border:1px solid var(--line);flex-wrap:wrap;align-items:center;gap:28px;margin-top:36px;padding:28px 32px;display:flex}.diff-badge-label{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--ink-muted);border-right:1px solid var(--line-strong);flex-shrink:0;padding-right:14px;font-size:10.5px;font-weight:600}.diff-badge{color:var(--ink-dim);cursor:default;align-items:center;gap:10px;transition:color .25s;display:flex}.diff-badge:hover{color:var(--gold-deep)}.diff-badge svg{flex-shrink:0;width:28px;height:28px}.diff-badge span{font-family:var(--mono);letter-spacing:.13em;text-transform:uppercase;color:var(--ink);font-size:9.5px;font-weight:600;line-height:1.5}.diff-cta{text-align:center;border-top:1px dashed var(--line-strong);margin-top:44px;padding-top:32px}.diff-cta-text{font-family:var(--serif);color:var(--ink-dim);margin-bottom:24px;font-size:22px;font-style:italic;line-height:1.4}.diff-cta-text strong{color:var(--ink);font-style:normal;font-weight:600}.diff-cta-buttons{flex-wrap:wrap;justify-content:center;align-items:center;gap:24px;display:inline-flex}.diff-cta-call{font-family:var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--ink-dim);border-bottom:1px solid var(--line-strong);padding-bottom:4px;font-size:12px;font-weight:600;transition:color .25s,border-color .25s}.diff-cta-call:hover{color:var(--gold-deep);border-color:var(--gold)}.timeline-section{background:var(--cream)}.timeline-rail{-webkit-overflow-scrolling:touch;margin-bottom:36px;position:relative;overflow-x:auto}.rail-line-bg,.rail-line-progress{pointer-events:none}.rail-dots{z-index:1;grid-template-columns:repeat(5,1fr);display:grid;position:relative}.rail-dot{cursor:pointer;background:0 0;border:none;flex-direction:column;align-items:center;padding:0;font-family:inherit;transition:all .3s;display:flex}.dot-circle{background:var(--cream);border:1px solid var(--line-strong);width:56px;height:56px;font-family:var(--serif);color:var(--ink-muted);letter-spacing:-.02em;transition:all .3s var(--ease);border-radius:50%;justify-content:center;align-items:center;font-size:24px;font-style:italic;font-weight:400;display:flex}.rail-dot:hover .dot-circle{border-color:var(--gold);color:var(--gold-deep)}.rail-dot.active .dot-circle{background:var(--gold);border-color:var(--gold);color:var(--ink);transform:scale(1.1);box-shadow:0 0 0 6px #b8996833}.rail-dot.complete .dot-circle{background:var(--gold-soft);border-color:var(--gold);color:var(--gold-deep)}.dot-tag{font-family:var(--mono);letter-spacing:.15em;text-transform:uppercase;color:var(--ink-muted);text-align:center;margin-top:14px;font-size:10px;font-weight:600}.rail-dot.active .dot-tag{color:var(--gold-deep)}.dot-time{font-family:var(--mono);color:var(--ink-muted);letter-spacing:.08em;margin-top:4px;font-size:10px}.rail-dot.active .dot-time{color:var(--ink)}.step-panel{background:var(--paper-soft);border:1px solid var(--line);overflow:hidden}.step-content{grid-template-columns:1.4fr 1fr;min-height:280px;display:grid}.step-main{border-right:1px solid var(--line);padding:36px 40px}.step-eyebrow{font-family:var(--mono);letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep);align-items:center;gap:12px;margin-bottom:12px;font-size:10.5px;display:flex}.step-eyebrow:after{content:"";background:var(--line-strong);flex:1;max-width:100px;height:1px}.step-title{font-family:var(--serif);color:var(--ink);letter-spacing:-.02em;margin-bottom:14px;font-size:32px;font-weight:400;line-height:1.1}.step-title em{color:var(--gold-deep);font-style:italic}.step-desc{color:var(--ink-dim);margin-bottom:22px;font-size:15px;line-height:1.55}.step-desc strong{color:var(--ink);font-weight:600}.responsibility{border-top:1px dashed var(--line-strong);grid-template-columns:1fr 1fr;gap:24px;padding-top:22px;display:grid}.resp-col h5{font-family:var(--mono);letter-spacing:.22em;text-transform:uppercase;margin-bottom:12px;font-size:10px;font-weight:600}.resp-col.you h5{color:var(--ink-dim)}.resp-col.we h5{color:var(--gold-deep)}.resp-col ul{list-style:none}.resp-col li{color:var(--ink);padding:5px 0 5px 16px;font-size:13px;line-height:1.5;position:relative}.resp-col li:before{content:"";background:var(--ink-muted);width:8px;height:1px;position:absolute;top:11px;left:0}.resp-col.we li:before{background:var(--gold)}.step-side{background:#b899680a;flex-direction:column;justify-content:space-between;padding:36px 32px;display:flex}.step-quote-label{font-family:var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--ink-muted);margin-bottom:8px;font-size:10px}.step-quote-headline{font-family:var(--serif);color:var(--ink);letter-spacing:-.01em;margin-bottom:12px;font-size:19px;font-style:italic;font-weight:400;line-height:1.3}.step-quote-attr{font-family:var(--mono);letter-spacing:.15em;color:var(--ink-muted);text-transform:uppercase;font-size:10px}.step-worry{border-top:1px dashed var(--line-strong);margin-top:auto;padding-top:20px}.step-worry-label{font-family:var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--gold-deep);align-items:center;gap:8px;margin-bottom:8px;font-size:10px;display:flex}.step-worry-label:before{content:"";background:var(--gold-deep);border-radius:50%;width:5px;height:5px}.step-worry p{color:var(--ink-dim);font-size:13px;line-height:1.55}.step-worry p strong{color:var(--ink);font-weight:600}.step-nav{border-top:1px solid var(--line);background:var(--paper);justify-content:space-between;align-items:center;padding:18px 40px;display:flex}.step-nav-btn{border:1px solid var(--line-strong);color:var(--ink-dim);font-family:var(--sans);letter-spacing:.08em;text-transform:uppercase;cursor:pointer;background:0 0;align-items:center;gap:8px;padding:10px 18px;font-size:12px;font-weight:600;transition:all .25s;display:inline-flex}.step-nav-btn:hover:not(:disabled){color:var(--gold-deep);border-color:var(--gold)}.step-nav-btn:disabled{opacity:.3;cursor:not-allowed}.step-nav-progress{font-family:var(--mono);letter-spacing:.18em;color:var(--ink-muted);font-size:10.5px}.step-nav-progress strong{color:var(--gold-deep);font-weight:700}.founder-section{background:var(--ink-bg);color:var(--cream);padding:96px 40px;position:relative;overflow:hidden}.founder-section:before{content:"";background:radial-gradient(ellipse at center, var(--gold-soft), transparent 60%);position:absolute;inset:0}.founder-inner{text-align:center;z-index:1;max-width:980px;margin:0 auto;position:relative}.founder-eyebrow{font-family:var(--mono);letter-spacing:.25em;text-transform:uppercase;color:var(--gold);align-items:center;gap:14px;margin-bottom:36px;font-size:11px;display:inline-flex}.founder-eyebrow:before,.founder-eyebrow:after{content:"";background:var(--gold);opacity:.5;width:32px;height:1px}.founder-quote{font-family:var(--serif);letter-spacing:-.02em;color:var(--cream);margin-bottom:36px;font-size:clamp(28px,3.6vw,48px);font-style:italic;font-weight:300;line-height:1.25;position:relative}.founder-quote:before{content:"“";color:var(--gold);margin-right:4px;font-size:1.2em;line-height:0;position:relative;top:.15em}.founder-quote:after{content:"”";color:var(--gold);margin-left:2px;font-size:1.2em;line-height:0;position:relative;top:.15em}.founder-attr{flex-wrap:wrap;justify-content:center;align-items:center;gap:18px;display:flex}.founder-photo{background:linear-gradient(135deg, var(--gold), var(--gold-deep));border:2px solid var(--gold);width:56px;height:56px;font-family:var(--serif);color:var(--ink);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:22px;font-style:italic;font-weight:500;display:flex}.founder-name{font-family:var(--serif);color:var(--cream);letter-spacing:-.01em;text-align:left;font-size:18px;font-weight:500}.founder-title{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--gold);text-align:left;margin-top:4px;font-size:10.5px}.founder-link{font-family:var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--gold);border-bottom:1px solid var(--gold);align-items:center;gap:10px;margin-top:32px;padding-bottom:4px;font-size:13px;font-weight:600;transition:gap .25s;display:inline-flex}.founder-link:hover{gap:14px}.letters-section{background:var(--paper-soft)}.letters-section .section-head{border-bottom:2px solid var(--ink);padding-bottom:24px}.letters-head-extra{text-align:center;max-width:720px;margin:0 auto 48px}.editor-note{font-family:var(--serif);color:var(--ink-dim);margin-top:18px;font-size:14.5px;font-style:italic;font-weight:300;line-height:1.5}.editor-note strong{color:var(--ink);font-style:normal;font-weight:600}.letters-grid{grid-template-columns:repeat(3,1fr);gap:24px;display:grid}.letter-card{background:var(--cream);border:1px solid var(--line);flex-direction:column;padding:32px 30px 28px;transition:all .3s;display:flex;position:relative}.letter-card:before{content:"";background:var(--gold);height:2px;position:absolute;top:0;left:0;right:0}.letter-card:hover{border-color:var(--gold);box-shadow:var(--shadow-md);transform:translateY(-2px)}.letter-num{font-family:var(--serif);color:var(--gold-deep);letter-spacing:-.02em;margin-bottom:14px;font-size:22px;font-style:italic;font-weight:300}.letter-greeting{font-family:var(--serif);color:var(--ink-dim);margin-bottom:14px;font-size:14px;font-style:italic;font-weight:300}.letter-body{font-family:var(--serif);color:var(--ink);letter-spacing:-.005em;flex:1;margin-bottom:22px;font-size:16px;font-weight:300;line-height:1.55}.letter-body strong{font-weight:600}.letter-body em{color:var(--gold-deep);font-style:italic}.letter-signoff{font-family:var(--serif);color:var(--ink-dim);margin-bottom:6px;font-size:14px;font-style:italic;font-weight:300}.letter-signature{font-family:var(--serif);color:var(--ink);letter-spacing:-.018em;margin-bottom:4px;font-size:26px;font-style:italic;font-weight:300}.letter-meta{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--ink-muted);border-top:1px dashed var(--line-strong);margin-top:auto;padding-top:12px;font-size:10px;font-weight:700;line-height:1.5}.letter-meta strong{color:var(--gold-deep)}.letters-foot-note{border-top:1px dashed var(--line-strong);text-align:center;font-family:var(--serif);color:var(--ink-dim);margin-top:36px;padding-top:24px;font-size:15px;font-style:italic;font-weight:300}.letters-foot-note strong{color:var(--ink);font-style:normal;font-weight:600}.letters-foot-note a{color:var(--gold-deep);border-bottom:1px solid var(--gold);margin-left:6px;padding-bottom:1px}.knowledge-section{background:var(--cream)}.knowledge-grid{grid-template-columns:repeat(3,1fr);gap:24px;display:grid}.kn-card{background:var(--paper-soft);border:1px solid var(--line);color:inherit;transition:all .4s var(--ease);flex-direction:column;text-decoration:none;display:flex;position:relative;overflow:hidden}.kn-card:before{content:"";background:var(--gold);transform-origin:0;height:3px;transition:transform .45s var(--ease);z-index:3;position:absolute;top:0;left:0;right:0;transform:scaleX(0)}.kn-card:hover{border-color:var(--gold);box-shadow:var(--shadow-lg);transform:translateY(-3px)}.kn-card:hover:before{transform:scaleX(1)}.kn-card-cover{background:linear-gradient(135deg, var(--paper-deep) 0%, var(--paper) 60%, var(--paper-soft) 100%);border-bottom:1px solid var(--line);height:220px;position:relative;overflow:hidden}.kn-card-cover:after{content:"";background:radial-gradient(ellipse 60% 50% at 70% 25%, var(--gold-soft), transparent 70%);pointer-events:none;position:absolute;inset:0}.kn-illustration{z-index:1;transition:transform .5s var(--ease);justify-content:center;align-items:center;display:flex;position:absolute;inset:0}.kn-card:hover .kn-illustration{transform:scale(1.04)}.kn-illustration svg{width:60%;max-width:220px;height:auto;display:block}.kn-stamp{z-index:2;flex-direction:column;gap:4px;display:flex;position:absolute;top:18px;left:22px}.kn-stamp-num{font-family:var(--serif);color:var(--gold-deep);letter-spacing:-.02em;font-size:26px;font-style:italic;font-weight:300;line-height:1}.kn-stamp-label{font-family:var(--mono);letter-spacing:.22em;text-transform:uppercase;color:var(--ink-muted);font-size:9px;font-weight:600}.kn-ribbon{z-index:2;background:var(--ink-bg);color:var(--cream);font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;align-items:center;gap:8px;padding:6px 14px 6px 12px;font-size:9.5px;font-weight:600;display:inline-flex;position:absolute;top:18px;right:0}.kn-ribbon:before{content:"";background:var(--gold);border-radius:50%;width:5px;height:5px}.kn-card-body{background:var(--paper-soft);flex-direction:column;flex:1;padding:26px 26px 22px;display:flex}.kn-card:hover .kn-card-body{background:#fcfaf3}.kn-card-meta{font-family:var(--mono);letter-spacing:.15em;text-transform:uppercase;color:var(--ink-muted);border-bottom:1px dashed var(--line-strong);align-items:center;gap:12px;margin-bottom:14px;padding-bottom:14px;font-size:10px;font-weight:600;display:flex}.kn-card-meta .author{color:var(--ink);font-weight:700}.kn-card-meta .dot{background:var(--ink-muted);border-radius:50%;flex-shrink:0;width:3px;height:3px}.kn-card-title{font-family:var(--serif);letter-spacing:-.018em;color:var(--ink);margin-bottom:12px;font-size:22px;font-weight:500;line-height:1.2}.kn-card-title em{color:var(--gold-deep);font-style:italic}.kn-card-excerpt{color:var(--ink-dim);flex:1;margin-bottom:18px;font-size:14px;line-height:1.55}.kn-card-foot{border-top:1px solid var(--line);justify-content:space-between;align-items:center;padding-top:14px;display:flex}.kn-card-go{font-family:var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--ink);align-items:center;gap:8px;font-size:12px;font-weight:700;transition:all .25s;display:inline-flex}.kn-card-go svg{transition:transform .25s}.kn-card:hover .kn-card-go{color:var(--gold-deep)}.kn-card:hover .kn-card-go svg{transform:translate(4px)}.kn-card-updated{font-family:var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--ink-muted);font-size:9.5px;font-weight:600}.kn-cta{border-top:1px dashed var(--line-strong);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:20px;margin-top:44px;padding-top:32px;display:flex}.kn-cta-text{font-family:var(--serif);color:var(--ink-dim);flex:1;min-width:280px;font-size:19px;font-style:italic;line-height:1.4}.kn-cta-text strong{color:var(--ink);font-style:normal;font-weight:600}.kn-cta-meta{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--ink-muted);align-items:center;gap:12px;font-size:10.5px;font-weight:600;display:flex}.kn-cta-meta:before{content:"";background:var(--gold);width:24px;height:1px}.final-cta{background:var(--cream);border-top:1px solid var(--line)}.final-cta-inner{text-align:center;max-width:1360px;margin:0 auto;padding:88px 40px 72px}.final-cta-eyebrow{font-family:var(--mono);letter-spacing:.3em;text-transform:uppercase;color:var(--gold-deep);align-items:center;gap:14px;margin-bottom:24px;font-size:11px;display:inline-flex}.final-cta-eyebrow:before,.final-cta-eyebrow:after{content:"";background:var(--gold);opacity:.5;width:32px;height:1px}.final-cta-headline{font-family:var(--serif);letter-spacing:-.03em;color:var(--ink);margin-bottom:22px;font-size:clamp(40px,5.4vw,76px);font-weight:300;line-height:1}.final-cta-headline em{color:var(--gold-deep);font-style:italic}.final-cta-deck{color:var(--ink-dim);max-width:580px;margin:0 auto 44px;font-size:17px;line-height:1.55}.final-cta-deck strong{color:var(--ink);font-weight:600}.final-channels{grid-template-columns:repeat(3,1fr);gap:16px;max-width:1000px;margin:0 auto;display:grid}.channel{background:var(--paper-soft);border:1px solid var(--line-strong);text-align:left;color:var(--ink);transition:all .35s var(--ease);cursor:pointer;flex-direction:column;padding:32px 28px 28px;text-decoration:none;display:flex;position:relative;overflow:hidden}.channel:before{content:"";background:var(--gold);transform-origin:0;height:3px;transition:transform .35s var(--ease);position:absolute;top:0;left:0;right:0;transform:scaleX(0)}.channel:hover{border-color:var(--gold);box-shadow:var(--shadow-md);transform:translateY(-2px)}.channel:hover:before{transform:scaleX(1)}.channel.featured{background:var(--cream);border-color:var(--gold)}.channel.featured:after{content:"RECOMMENDED";font-family:var(--mono);letter-spacing:.2em;color:var(--ink);background:var(--gold);padding:3px 8px;font-size:9px;font-weight:600;position:absolute;top:14px;right:14px}.ch-num{font-family:var(--mono);letter-spacing:.18em;color:var(--ink-muted);margin-bottom:18px;font-size:10px;font-weight:600}.channel.featured .ch-num{color:var(--gold-deep)}.ch-icon{border:1px solid var(--line-strong);width:44px;height:44px;color:var(--gold-deep);border-radius:50%;justify-content:center;align-items:center;margin-bottom:22px;transition:all .3s;display:inline-flex}.channel:hover .ch-icon{border-color:var(--gold);background:var(--gold-soft);transform:rotate(45deg)}.channel.featured .ch-icon{border-color:var(--gold);background:var(--gold);color:var(--ink)}.ch-title{font-family:var(--serif);letter-spacing:-.018em;color:var(--ink);margin-bottom:10px;font-size:24px;font-weight:500;line-height:1.15}.ch-title em{color:var(--gold-deep);font-style:italic}.ch-sub{color:var(--ink-dim);margin-bottom:auto;font-size:13.5px;line-height:1.5}.ch-foot{border-top:1px solid var(--line);justify-content:space-between;align-items:center;margin-top:22px;padding-top:16px;display:flex}.ch-foot .go{font-family:var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--ink);align-items:center;gap:8px;font-size:12px;font-weight:700;transition:color .25s;display:flex}.channel:hover .ch-foot .go{color:var(--gold-deep)}.channel:hover .ch-foot .go svg{transform:translate(3px)}.ch-foot .go svg{transition:transform .25s}.ch-foot .meta{font-family:var(--mono);letter-spacing:.15em;text-transform:uppercase;color:var(--ink-muted);font-size:9.5px}.final-trust-strip{border-top:1px dashed var(--line-strong);flex-wrap:wrap;justify-content:center;gap:36px;margin-top:48px;padding-top:32px;display:flex}.final-trust-strip span{font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:var(--ink-muted);align-items:center;gap:10px;font-size:10.5px;display:flex}.final-trust-strip span:before{content:"";background:var(--gold);border-radius:50%;width:5px;height:5px}.site-footer{background:var(--ink-bg);color:var(--cream);padding:72px 40px 40px}.footer-inner{max-width:1360px;margin:0 auto}.footer-top{border-bottom:1px solid #f7f2e81a;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:48px;padding-bottom:56px;display:grid}.footer-brand{font-family:var(--serif);color:var(--cream);letter-spacing:-.02em;margin-bottom:6px;font-size:22px;font-weight:500}.footer-brand em{color:var(--gold);font-style:italic}.footer-brand-sub{font-size:12px;font-family:var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-top:2px;display:block}.footer-tagline{color:#f7f2e899;max-width:300px;margin-top:12px;margin-bottom:20px;font-size:13.5px;line-height:1.6}.footer-phone{font-family:var(--mono);color:var(--gold);letter-spacing:.04em;margin-bottom:20px;font-size:13px;font-weight:600;display:block}.footer-badges{flex-wrap:wrap;gap:12px;display:flex}.footer-badge{font-family:var(--mono);letter-spacing:.14em;text-transform:uppercase;color:#f7f2e880;background:#f7f2e80f;border:1px solid #f7f2e81f;align-items:center;gap:6px;padding:6px 10px;font-size:9px;display:flex}.footer-badge-icon{color:var(--gold)}.footer-col-title{font-family:var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:20px;font-size:10px;font-weight:600}.footer-links{flex-direction:column;gap:10px;list-style:none;display:flex}.footer-link{color:#f7f2e8a6;font-size:13px;font-family:var(--sans);transition:color .2s}.footer-link:hover{color:var(--gold)}.footer-bottom{flex-wrap:wrap;justify-content:space-between;align-items:flex-start;gap:24px;padding-top:32px;display:flex}.footer-legal{font-family:var(--mono);letter-spacing:.12em;color:#f7f2e866;max-width:760px;font-size:10px;line-height:1.7}.footer-legal p+p{margin-top:6px}.footer-legal-links{flex-wrap:wrap;align-items:flex-start;gap:20px;display:flex}.footer-legal-link{font-family:var(--mono);letter-spacing:.12em;text-transform:uppercase;color:#f7f2e873;font-size:10px;transition:color .2s}.footer-legal-link:hover{color:var(--gold)}.footer{background:var(--ink-bg);color:var(--cream)}.footer-nameplate{border-bottom:1px solid #f7f2e81a;grid-template-columns:1fr auto;align-items:end;gap:32px;max-width:1360px;margin:0 auto;padding:56px 40px 36px;display:grid}.nameplate-brand{font-family:var(--serif);letter-spacing:-.04em;color:var(--cream);font-size:clamp(48px,6vw,88px);font-weight:300;line-height:.9}.nameplate-brand em{color:var(--gold);font-style:italic}.nameplate-meta{text-align:right;font-family:var(--mono);letter-spacing:.18em;text-transform:uppercase;color:#f7f2e880;font-size:10.5px;line-height:1.8}.nameplate-meta strong{color:var(--gold);font-weight:600}.footer-cols{border-bottom:1px solid #f7f2e81a;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;gap:32px;max-width:1360px;margin:0 auto;padding:48px 40px;display:grid}.footer-col h5{font-family:var(--mono);letter-spacing:.22em;text-transform:uppercase;color:var(--gold);margin-bottom:18px;font-size:10px;font-weight:600}.footer-col ul{list-style:none}.footer-col li{margin-bottom:10px}.footer-col a{color:#f7f2e8b3;font-size:13.5px;line-height:1.4;transition:color .2s}.footer-col a:hover{color:var(--gold)}.footer-col.lead .brand-name{font-family:var(--serif);color:var(--cream);letter-spacing:-.015em;margin-bottom:6px;font-size:22px;font-style:italic;font-weight:500}.footer-col.lead h5{display:none}.footer-col.lead .nmls{font-family:var(--mono);color:var(--gold);letter-spacing:.15em;margin-bottom:16px;font-size:10.5px}.footer-col.lead .address{color:#f7f2e8b3;margin-bottom:16px;font-size:13px;line-height:1.6}.footer-col.lead .contact{flex-direction:column;gap:8px;display:flex}.footer-col.lead .contact a{color:var(--cream);align-items:center;gap:10px;font-size:13.5px;font-weight:500;display:flex}.footer-col.lead .contact svg{color:var(--gold);flex-shrink:0}.footer-legal-section{grid-template-columns:1.6fr auto;align-items:start;gap:32px;max-width:1360px;margin:0 auto;padding:32px 40px;display:grid}.legal-text{color:#f7f2e880;max-width:880px;font-size:11.5px;line-height:1.65}.legal-text strong{color:#f7f2e8bf;font-weight:600}.footer-badges{flex-direction:column;align-items:flex-end;gap:12px;display:flex}.badge{color:#f7f2e8b3;font-family:var(--mono);letter-spacing:.15em;text-transform:uppercase;border:1px solid #f7f2e826;align-items:center;gap:10px;padding:8px 12px;font-size:9.5px;font-weight:500;display:inline-flex}.badge .dot{background:var(--gold);border-radius:50%;width:5px;height:5px}.copyright{max-width:1360px;font-family:var(--mono);letter-spacing:.15em;text-transform:uppercase;color:#f7f2e866;border-top:1px solid #f7f2e81a;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;margin:0 auto;padding:22px 40px;font-size:10px;display:flex}.copyright a{color:#f7f2e880;margin-left:18px;transition:color .2s}.copyright a:hover{color:var(--gold)}@media (max-width:1024px){.nav-main,.nav-cta-row{display:none!important}.mobile-nav-toggle{display:flex!important}.section{padding:72px 32px 64px}.section-head{grid-template-columns:1fr;gap:16px}.section-deck{text-align:left;max-width:100%;margin-left:0}.hero-inner{grid-template-columns:1fr;gap:40px;padding:60px 32px 52px}.hero-headline{font-size:clamp(38px,5vw,58px)}.trust-inner{grid-template-columns:repeat(2,1fr)}.trust-cell{border-bottom:1px solid #f7f2e81a}.trust-num{font-size:44px}.loan-router{grid-template-columns:repeat(2,1fr)}.calc-body{grid-template-columns:1fr}.calc-result{border-top:1px solid var(--line)}.diff-grid{grid-template-columns:repeat(2,1fr)}.diff-cell{min-height:320px}.step-content{grid-template-columns:1fr}.step-side{display:none}.letters-grid,.knowledge-grid{grid-template-columns:repeat(2,1fr)}.final-channels{grid-template-columns:1fr;max-width:520px;margin:0 auto}.footer-top{grid-template-columns:1fr 1fr;gap:32px}.footer-bottom{flex-direction:column;gap:20px}.footer-legal{max-width:100%}}@media (max-width:768px){.status-ribbon{display:none}.topbar{gap:12px;padding:12px 20px}.brand-tagline{display:none}.brand-wordmark{font-size:17px}.section{padding:56px 20px 48px}.section-title{font-size:clamp(30px,7vw,44px)}.section-eyebrow{margin-bottom:14px}.hero-inner{gap:32px;padding:40px 20px 36px}.hero-headline{margin-bottom:20px;font-size:clamp(32px,8vw,48px)}.hero-deck{margin-bottom:24px;font-size:16px}.hero-eyebrow{margin-bottom:20px}.hero-trust{gap:20px}.hero-trust-item .num{font-size:24px}.lead-form-card{margin:0}.lf-head{padding:18px 20px 14px}.lf-body{min-height:240px;padding:20px 20px 18px}.lf-foot{padding:14px 20px}.lf-types,.lf-field-row{grid-template-columns:1fr}.trust-inner{grid-template-columns:repeat(2,1fr)}.trust-cell{padding:24px 20px}.trust-num{font-size:40px}.trust-lbl{font-size:9.5px}.loan-router{grid-template-columns:1fr}.specialty-strip{gap:8px}.calc-tabs{flex-wrap:wrap}.calc-tab{border-right:none;border-bottom:1px solid var(--line);flex:50%}.calc-tab:nth-child(odd){border-right:1px solid var(--line)}.calc-tab-label{font-size:14px}.calc-inputs,.calc-result{padding:24px 20px}.calc-primary-amount{font-size:clamp(40px,10vw,64px)}.diff-grid{grid-template-columns:1fr}.diff-cell{min-height:auto}.diff-badges{flex-wrap:wrap;gap:14px;padding:20px}.dot-circle{width:38px;height:38px;font-size:16px}.dot-tag{letter-spacing:.08em;font-size:8.5px}.dot-time{font-size:8px}.step-main{padding:24px 20px}.step-nav{padding:14px 20px}.step-title{font-size:26px}.responsibility{grid-template-columns:1fr}.founder-section{padding:60px 20px}.founder-quote{font-size:clamp(20px,5vw,32px)}.founder-eyebrow{gap:8px;font-size:9px}.founder-eyebrow:before,.founder-eyebrow:after{width:20px}.letters-grid{grid-template-columns:1fr}.letter-card{padding:24px 22px 20px}.knowledge-grid{grid-template-columns:1fr}.kn-card-cover{height:180px}.final-channels{grid-template-columns:1fr;max-width:100%}.final-cta-inner{padding:60px 20px 48px}.final-cta-headline{font-size:clamp(32px,8vw,52px)}.site-footer{padding:44px 20px 28px}.footer-top{grid-template-columns:1fr!important;gap:28px!important}.footer-bottom{flex-direction:column;gap:20px;padding-top:24px}.footer-legal{max-width:100%;font-size:9.5px}.footer-legal-links{flex-wrap:wrap;gap:12px}.footer-legal-section{grid-template-columns:1fr;padding:24px 20px}}@media (max-width:480px){.topbar{padding:10px 16px}.brand-wordmark{font-size:16px}.section{padding:44px 16px 36px}.hero-inner{gap:28px;padding:32px 16px 28px}.hero-headline{font-size:clamp(28px,8vw,40px)}.hero-deck{font-size:15px}.hero-trust{gap:16px;padding-top:18px}.hero-trust-item .num{font-size:22px}.hero-trust-item .lbl{font-size:9px}.lf-head{padding:14px 16px 12px}.lf-title{font-size:18px}.lf-body{padding:16px 16px 14px}.lf-foot{padding:12px 16px}.lf-next{padding:11px 16px;font-size:12px}.trust-cell{padding:20px 14px}.trust-num{font-size:36px}.loan-card{padding:20px 18px 16px}.lc-title{font-size:19px}.calc-tabs{flex-direction:column}.calc-tab{border-bottom:1px solid var(--line);flex:100%;border-right:none!important}.calc-tab:last-child{border-bottom:none}.calc-tab-label{font-size:15px}.calc-primary-amount{font-size:52px}.diff-cell{padding:24px 20px 20px}.diff-num{font-size:36px}.timeline-rail{-webkit-overflow-scrolling:touch;padding-bottom:8px;overflow-x:auto}.rail-dots{min-width:340px}.dot-circle{width:34px;height:34px;font-size:14px}.founder-section{padding:48px 16px}.founder-quote{font-size:clamp(18px,5.5vw,28px)}.letter-card{padding:20px 18px 16px}.letter-signature{font-size:22px}.final-cta-inner{padding:44px 16px 36px}.final-cta-headline{font-size:clamp(28px,8vw,44px)}.channel{padding:24px 20px 20px}.site-footer{padding:36px 16px 24px}.footer-brand{font-size:18px}.footer-bottom{padding-top:20px}.footer-legal-links{gap:10px}}
