:root{
  --navy:#173b32;
  --navy-2:#235347;
  --blue:#2f6b58;
  --sky:#edf5f1;
  --gold:#b99757;
  --ink:#182333;
  --muted:#667386;
  --line:#dce4ec;
  --white:#fff;
  --off:#f7f9fb;
  --success:#2f6b58;
  --shadow:0 18px 50px rgba(23,59,50,.12);
  --radius:20px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color:var(--ink);
  background:#fff;
  line-height:1.55;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button,input,select,textarea{font:inherit}
.container{width:min(1480px,calc(100% - 56px));margin:auto}
.topbar{background:var(--navy);color:#dce8f5;font-size:13px}
.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:9px 0}
.topbar a:hover{color:#fff}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid rgba(220,228,236,.85)}
.nav{height:78px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.brand{display:flex;align-items:center;gap:12px;min-width:245px}
.brandmark{width:46px;height:46px;border-radius:14px;background:linear-gradient(145deg,var(--navy),var(--blue));position:relative;box-shadow:0 8px 20px rgba(47,107,88,.22)}
.brandmark:before{content:"";position:absolute;left:10px;top:13px;width:26px;height:20px;background:white;clip-path:polygon(50% 0,100% 38%,84% 38%,84% 100%,16% 100%,16% 38%,0 38%)}
.brand strong{display:block;color:var(--navy);font-size:17px;letter-spacing:.8px}
.brand span{display:block;color:var(--muted);font-size:11px;letter-spacing:1.6px;text-transform:uppercase}
.navlinks{display:flex;align-items:center;gap:24px;font-size:14px;font-weight:650;color:#344052}
.navlinks a:hover{color:var(--blue)}
.nav-actions{display:flex;align-items:center;gap:10px}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  min-height:46px;padding:0 20px;border-radius:12px;border:1px solid transparent;
  font-weight:750;font-size:14px;cursor:pointer;transition:.2s ease;
}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 10px 26px rgba(47,107,88,.2)}
.btn-primary:hover{background:#285b4c}
.btn-outline{border-color:#cbd7e2;color:var(--navy);background:#fff}
.btn-light{background:#fff;color:var(--navy)}
.menu-btn{display:none;border:0;background:none;font-size:28px;color:var(--navy)}
.hero{
  position:relative;overflow:hidden;
  background:
    radial-gradient(circle at 80% 25%, rgba(43,117,190,.16), transparent 26%),
    linear-gradient(135deg,#f8fbfe 0%,#eef5fb 52%,#f9fbfd 100%);
  padding:86px 0 72px;
}
.hero:after{
  content:"";position:absolute;right:-150px;bottom:-220px;width:520px;height:520px;border-radius:50%;
  border:75px solid rgba(47,107,88,.055)
}
.hero-grid{display:grid;grid-template-columns:1.07fr .93fr;gap:68px;align-items:center;position:relative;z-index:2}
.eyebrow{display:inline-flex;align-items:center;gap:8px;text-transform:uppercase;letter-spacing:1.6px;font-size:12px;font-weight:800;color:var(--blue)}
.eyebrow:before{content:"";width:28px;height:2px;background:var(--gold)}
h1{font-family:Georgia, "Times New Roman", serif;color:var(--navy);font-size:clamp(44px,5vw,72px);line-height:1.04;margin:18px 0 22px;letter-spacing:-1.8px}
.hero p{font-size:19px;color:#526173;max-width:670px;margin:0 0 30px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.trust-row{display:flex;gap:28px;flex-wrap:wrap;margin-top:32px;color:#526173;font-size:13px}
.trust-row span{display:flex;gap:8px;align-items:center}
.check{width:20px;height:20px;border-radius:50%;background:#dff2eb;color:var(--success);display:grid;place-items:center;font-weight:900;font-size:12px}
.hero-card{background:#fff;border:1px solid #dce7f0;border-radius:26px;padding:28px;box-shadow:var(--shadow);position:relative}
.hero-card .mini-label{text-transform:uppercase;letter-spacing:1.2px;color:var(--muted);font-size:11px;font-weight:800}
.hero-card h2{margin:8px 0 6px;color:var(--navy);font-size:28px}
.hero-card p{font-size:14px;margin:0 0 22px}
.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.choice{
  padding:18px;border:1px solid var(--line);border-radius:15px;background:#fff;
  cursor:pointer;text-align:left;transition:.2s ease;
}
.choice:hover,.choice.active{border-color:#8fb9a9;background:#f1f7fc;box-shadow:0 6px 18px rgba(47,107,88,.08)}
.choice .icon{font-size:24px;display:block;margin-bottom:8px}
.choice strong{display:block;color:var(--navy);font-size:14px}
.choice small{display:block;color:var(--muted);margin-top:2px}
.hero-card .card-footer{display:flex;justify-content:space-between;align-items:center;margin-top:20px;padding-top:18px;border-top:1px solid var(--line);font-size:12px;color:var(--muted)}
.hero-card .card-footer a{font-weight:750;color:var(--blue)}
.section{padding:88px 0}
.section.alt{background:var(--off)}
.section-head{display:flex;justify-content:space-between;gap:36px;align-items:flex-end;margin-bottom:38px}
.section-head .copy{max-width:660px}
.section-head h2,.page-hero h1{font-family:Georgia,serif;color:var(--navy)}
.section-head h2{font-size:42px;line-height:1.12;margin:8px 0 10px}
.section-head p{color:var(--muted);margin:0}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:28px;background:#fff;transition:.2s ease}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(23,59,50,.08);border-color:#c4d5e4}
.card-icon{width:46px;height:46px;border-radius:13px;display:grid;place-items:center;background:var(--sky);font-size:22px;margin-bottom:20px}
.card h3{color:var(--navy);font-size:20px;margin:0 0 8px}
.card p{color:var(--muted);font-size:14px;margin:0 0 18px}
.text-link{color:var(--blue);font-weight:800;font-size:14px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line);border-radius:22px;overflow:hidden;background:#fff}
.step{padding:30px;position:relative;border-right:1px solid var(--line)}
.step:last-child{border-right:0}
.step-num{font-family:Georgia,serif;font-size:42px;color:#b5cec4;line-height:1}
.step h3{color:var(--navy);margin:12px 0 7px}
.step p{font-size:13px;color:var(--muted);margin:0}
.calc-wrap{display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:stretch}
.panel{border:1px solid var(--line);border-radius:22px;background:#fff;padding:30px;box-shadow:0 10px 30px rgba(23,59,50,.05)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field label{display:block;font-size:12px;font-weight:800;color:#4c5a6b;margin-bottom:7px}
.field input,.field select,.field textarea{
  width:100%;border:1px solid #cdd8e2;border-radius:11px;padding:12px 13px;background:#fff;color:var(--ink);outline:none
}
.field input:focus,.field select:focus,.field textarea:focus{border-color:#76a996;box-shadow:0 0 0 3px rgba(47,107,88,.09)}
.full{grid-column:1/-1}
.result-box{background:linear-gradient(145deg,var(--navy),#245746);color:#fff;border-radius:22px;padding:34px;display:flex;flex-direction:column;justify-content:center}
.result-box small{color:#bcd0e3;text-transform:uppercase;letter-spacing:1.2px;font-weight:800}
.result-box .payment{font-family:Georgia,serif;font-size:56px;margin:8px 0 2px}
.result-box p{color:#d8e3ee;font-size:13px}
.breakdown{margin-top:20px;border-top:1px solid rgba(255,255,255,.18);padding-top:18px}
.breakdown div{display:flex;justify-content:space-between;margin:9px 0;font-size:13px}
.cta{background:linear-gradient(135deg,var(--navy),#2d6554);color:#fff;border-radius:30px;padding:54px;display:flex;align-items:center;justify-content:space-between;gap:35px;overflow:hidden;position:relative}
.cta:after{content:"";position:absolute;right:-50px;top:-100px;width:300px;height:300px;border:50px solid rgba(255,255,255,.06);border-radius:50%}
.cta h2{font-family:Georgia,serif;font-size:40px;line-height:1.12;margin:0 0 10px;position:relative;z-index:1}
.cta p{margin:0;color:#d4e0ec;max-width:650px;position:relative;z-index:1}
.cta .btn{position:relative;z-index:2;white-space:nowrap}
.resources{display:grid;grid-template-columns:1.3fr .7fr;gap:24px}
.article-feature{min-height:330px;border-radius:24px;padding:36px;background:linear-gradient(145deg,#edf5fb,#e2efe9);display:flex;flex-direction:column;justify-content:flex-end}
.article-feature h3{font-family:Georgia,serif;color:var(--navy);font-size:32px;margin:8px 0}
.resource-list{display:grid;gap:12px}
.resource-item{padding:20px;border:1px solid var(--line);border-radius:16px;background:#fff}
.resource-item small{color:var(--blue);font-weight:800;text-transform:uppercase;letter-spacing:.8px}
.resource-item h4{margin:7px 0 0;color:var(--navy)}
.page-hero{padding:70px 0 55px;background:linear-gradient(135deg,#f6fafe,#e9f2fa)}
.page-hero h1{font-size:52px;margin:10px 0 12px}
.page-hero p{max-width:720px;color:var(--muted);font-size:18px}
.program-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.program{padding:30px;border:1px solid var(--line);border-radius:20px;background:#fff}
.program h3{margin:0 0 8px;color:var(--navy);font-size:22px}
.program ul{padding-left:19px;color:var(--muted);font-size:14px}
.notice{padding:18px 20px;border-left:4px solid var(--gold);background:#fbf7ef;border-radius:10px;color:#645840;font-size:13px}
.apply-shell{max-width:820px;margin:auto}
.progress{height:8px;background:#e6edf3;border-radius:99px;overflow:hidden;margin:20px 0 28px}
.progress span{display:block;height:100%;width:25%;background:var(--blue);transition:.3s ease}
.apply-step{display:none}
.apply-step.active{display:block}
.option-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:18px 0 26px}
.big-option{padding:22px;border:1px solid var(--line);border-radius:16px;background:#fff;cursor:pointer}
.big-option:hover,.big-option.selected{border-color:#7cab99;background:#f1f7fc}
.big-option strong{display:block;color:var(--navy);margin-bottom:4px}
.apply-actions{display:flex;justify-content:space-between;gap:12px;margin-top:28px}
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:28px}
.contact-card{background:var(--navy);color:#fff;border-radius:22px;padding:34px}
.contact-card h3{font-family:Georgia,serif;font-size:31px;margin:0 0 20px}
.contact-card p,.contact-card a{color:#d5e2ee}
.contact-line{padding:15px 0;border-top:1px solid rgba(255,255,255,.15)}
footer{background:#102a24;color:#c3d1df;padding:60px 0 25px;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:34px}
footer .brand strong{color:#fff}
footer .brand span{color:#9eb2c5}
footer h4{color:#fff;margin:0 0 13px;font-size:14px}
footer a{display:block;font-size:13px;color:#b9cad9;margin:8px 0}
footer a:hover{color:#fff}
.footer-about{max-width:400px;color:#aebfd0;font-size:13px;margin-top:16px}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:24px;font-size:11px;line-height:1.65;color:#8fa5ba}
.legal-row{display:flex;justify-content:space-between;gap:24px;align-items:flex-start}
.badge-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:14px}
.badge{border:1px solid rgba(255,255,255,.2);border-radius:8px;padding:6px 9px;color:#b9cad9}
.toast{position:fixed;right:24px;bottom:24px;background:var(--navy);color:#fff;padding:14px 18px;border-radius:12px;box-shadow:var(--shadow);display:none;z-index:99;font-size:13px}
@media(max-width:980px){
  .navlinks{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;padding:20px;box-shadow:0 15px 30px rgba(23,59,50,.1);flex-direction:column;align-items:flex-start}
  .navlinks.open{display:flex}
  .nav-actions .btn-outline{display:none}.menu-btn{display:block}
  .hero-grid,.calc-wrap,.resources,.contact-grid{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}.step:nth-child(2){border-right:0}.step:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .container{width:min(100% - 28px,1180px)}
  .topbar .container{justify-content:center}.topbar .container span:first-child{display:none}
  .brand{min-width:auto}.brand strong{font-size:15px}.brand span{font-size:9px}
  .nav{height:70px}.nav-actions>.btn-primary{display:none}
  .hero{padding:54px 0}.hero-grid{gap:36px}h1{font-size:46px}
  .choice-grid,.cards,.steps,.program-grid,.form-grid,.option-row,.footer-grid{grid-template-columns:1fr}
  .step{border-right:0!important;border-bottom:1px solid var(--line)}.step:last-child{border-bottom:0}
  .section{padding:62px 0}.section-head{align-items:flex-start;flex-direction:column}.section-head h2{font-size:36px}
  .cta{padding:36px 27px;align-items:flex-start;flex-direction:column}.cta h2{font-size:34px}
  .page-hero h1{font-size:42px}.result-box .payment{font-size:46px}
  .legal-row{flex-direction:column}.full{grid-column:auto}
}


/* U.S. Home Capital supplied logo integration */
.brand-logo{
  display:block;
  width:235px;
  height:auto;
  max-height:92px;
  object-fit:contain;
}
header .brand{min-width:245px;display:flex;align-items:center}
header .nav{height:108px}
footer .footer-logo-wrap{
  display:inline-flex;
  background:#fff;
  border-radius:14px;
  padding:10px 14px;
  margin-bottom:12px;
}
footer .brand-logo{width:245px;max-height:none}
@media(max-width:980px){
  .navlinks{top:108px}
}
@media(max-width:640px){
  header .nav{height:88px}
  header .brand{min-width:0}
  header .brand-logo{width:170px;max-height:72px}
  .navlinks{top:88px}
  footer .brand-logo{width:215px}
}


.loan-options-section{padding-top:64px}
.loan-options-intro{display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:end;margin-bottom:26px}
.loan-options-intro h2{font-family:Georgia,serif;color:var(--navy);font-size:38px;line-height:1.12;margin:9px 0 0}
.loan-options-intro p{color:var(--muted);margin:0}
.loan-compact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.loan-compact{border:1px solid var(--line);border-radius:16px;padding:20px;background:#fff;display:flex;flex-direction:column;min-height:235px}
.loan-compact-head{display:flex;flex-direction:column;align-items:flex-start;gap:8px;margin-bottom:8px}
.loan-chip{display:inline-flex;padding:4px 8px;border-radius:999px;background:var(--sky);color:var(--blue);font-size:10px;text-transform:uppercase;letter-spacing:.8px;font-weight:800}
.loan-compact h3{color:var(--navy);font-size:19px;line-height:1.2;margin:0}
.loan-compact p{color:var(--muted);font-size:13px;line-height:1.48;margin:0 0 12px}
.loan-meta{font-size:11px;line-height:1.5;color:#718093;border-top:1px solid var(--line);padding-top:10px;margin-top:auto;margin-bottom:10px}
.specialty-band{margin-top:28px;padding:26px;border-radius:20px;background:linear-gradient(135deg,#f3f8f5,#e9f2ed);border:1px solid #dce8e1}
.specialty-band-heading{display:grid;grid-template-columns:.85fr 1.15fr;gap:24px;align-items:end;margin-bottom:20px}
.specialty-band-heading h2{font-family:Georgia,serif;color:var(--navy);font-size:30px;line-height:1.15;margin:8px 0 0}
.specialty-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.specialty-item{background:#fff;border:1px solid #d7e3dc;border-radius:15px;padding:18px}
.specialty-item h3{color:var(--navy);font-size:18px;line-height:1.24;margin:0 0 8px}
.specialty-item p{color:var(--muted);font-size:13px;line-height:1.48;margin:0 0 12px}
.compact-notice{margin-top:20px}
@media(max-width:980px){
  .loan-compact-grid{grid-template-columns:repeat(2,1fr)}
  .loan-options-intro,.specialty-band-heading{grid-template-columns:1fr}
  .specialty-grid{grid-template-columns:1fr}
}
@media(max-width:640px){
  .loan-compact-grid{grid-template-columns:1fr}
  .loan-compact{min-height:auto}
  .loan-options-intro h2{font-size:33px}
  .specialty-band{padding:20px}
  .specialty-band-heading h2{font-size:27px}
}

/* Contact is available from the persistent top-right Contact Us control; hide the redundant nav tab. */
.navlinks a[href="contact.html"]{display:none!important}