:root{--ink:#11273d;--ink2:#173b55;--blue:#1787e8;--cyan:#49d6d0;--cream:#f4f0e8;--paper:#fffdf9;--coral:#ff765f;--muted:#657281;--line:#dce1df;--white:#fff;--radius:24px;--shadow:0 22px 70px rgba(11,35,55,.13)}
*{box-sizing:border-box}html{min-height:100%;scroll-behavior:smooth;overscroll-behavior-y:none;background:#091d2d}body{min-height:100vh;min-height:100dvh;margin:0;color:var(--ink);background:var(--paper);font-family:"DM Sans",sans-serif;line-height:1.55;display:flex;flex-direction:column;overflow-x:hidden}main{flex:1 0 auto}footer{flex-shrink:0}a{color:inherit;text-decoration:none}button,input,textarea{font:inherit}.container{width:min(1180px,calc(100% - 40px));margin:auto}.notice-bar{background:var(--ink);color:#c9d8e1;font-size:12px;letter-spacing:.06em}.notice-inner{min-height:34px;display:flex;align-items:center;justify-content:space-between}.notice-inner>span{color:#80e3df;text-transform:uppercase;font-weight:700}.notice-inner div{display:flex;gap:30px}.site-header{position:relative;z-index:20;background:rgba(255,253,249,.94);backdrop-filter:blur(15px);border-bottom:1px solid rgba(17,39,61,.08)}.nav-wrap{height:88px;display:flex;align-items:center;gap:30px}.brand{display:flex;align-items:center}.brand-image{flex:0 0 auto}.logo-crop{position:relative;display:block;width:250px;height:68px;overflow:hidden;background:#fff}.logo-crop img{position:absolute;width:250px;height:auto;left:0;top:50%;transform:translateY(-50%)}nav{margin-left:auto;display:flex;gap:22px;font-size:14px;font-weight:600}nav a{position:relative}nav a:after{content:"";position:absolute;left:0;right:100%;bottom:-6px;height:2px;background:var(--blue);transition:.25s}nav a:hover:after{right:0}.button{display:inline-flex;align-items:center;justify-content:center;gap:20px;border:0;border-radius:8px;padding:16px 22px;font-family:Manrope,sans-serif;font-weight:800;font-size:14px;cursor:pointer;transition:.25s}.button:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(16,45,67,.18)}.button span{font-size:18px}.button-small{padding:12px 17px;font-size:12px}.button-primary{background:var(--blue);color:white}.button-dark{background:var(--ink);color:white}.button-light{background:white;color:var(--ink)}.button-full{width:100%}.menu-toggle{display:none;background:none;border:0}.hero{position:relative;overflow:hidden;padding:80px 0 90px;background:radial-gradient(circle at 60% 10%,#fff 0,transparent 35%),linear-gradient(135deg,var(--cream),#eef8f7)}.hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(17,39,61,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(17,39,61,.035) 1px,transparent 1px);background-size:46px 46px;mask-image:linear-gradient(to right,#000,transparent 70%)}.hero-orb{position:absolute;border-radius:50%;filter:blur(2px)}.orb-one{width:420px;height:420px;right:-160px;top:-170px;background:rgba(73,214,208,.3)}.orb-two{width:130px;height:130px;left:-55px;bottom:10px;background:rgba(255,118,95,.22)}.hero-grid{position:relative;display:grid;grid-template-columns:1.08fr .92fr;gap:75px;align-items:center}.eyebrow{display:flex;align-items:center;gap:10px;color:var(--blue);font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase}.eyebrow i{width:22px;height:2px;background:currentColor}.hero h1,.section h2,.application h2{font-family:Manrope,sans-serif;letter-spacing:-.045em;line-height:1.02;margin:20px 0;font-size:clamp(45px,5vw,71px)}h1 em,h2 em{color:var(--blue);font-style:normal}.lead{max-width:660px;font-size:18px;color:var(--muted)}.hero-actions{display:flex;align-items:center;gap:30px;margin:34px 0 45px}.text-link{font-weight:700;border-bottom:1px solid var(--ink);padding:8px 0}.text-link span{margin-left:10px;color:var(--blue)}.hero-trust{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid rgba(17,39,61,.15);padding-top:25px}.hero-trust div{padding-right:18px}.hero-trust strong{display:block;font:800 24px Manrope;color:var(--ink)}.hero-trust span{font-size:12px;color:var(--muted)}.calculator{background:rgba(255,255,255,.94);padding:34px;border-radius:var(--radius);box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.7)}.calc-heading{display:flex;justify-content:space-between;align-items:center;margin-bottom:26px}.calc-heading span{font-size:10px;letter-spacing:.16em;font-weight:800;color:var(--blue)}.calc-heading h2{margin:5px 0 0;font:800 25px Manrope}.calc-heading>b{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:#e4f7f5;color:#159a96;font-size:22px}.calculator label{display:flex;justify-content:space-between;font-weight:700;margin-top:20px}.calculator output{color:var(--blue)}input[type=range]{width:100%;appearance:none;height:5px;border-radius:5px;background:linear-gradient(to right,var(--blue) 0,var(--blue) var(--fill),#d9e0e3 var(--fill),#d9e0e3 100%);margin:16px 0 5px}input[type=range]::-webkit-slider-thumb{appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:6px solid var(--blue);box-shadow:0 2px 8px #8796a2}.range-labels{display:flex;justify-content:space-between;font-size:11px;color:#87919a}.payment-card{background:var(--ink);color:white;border-radius:14px;padding:21px;margin:24px 0}.payment-card span,.payment-card small{display:block;color:#afc1cf;font-size:11px}.payment-card strong{display:block;font:800 32px Manrope;margin:4px 0}.calc-note{text-align:center;color:#8b949b;font-size:10px;margin:12px 0 0}.trust-strip{background:var(--ink);color:white}.trust-grid{min-height:90px;display:grid;grid-template-columns:1.3fr repeat(4,1fr);align-items:center;gap:22px}.trust-grid p{color:#93a7b5;font-size:12px;text-transform:uppercase;letter-spacing:.1em}.trust-grid span{font-size:13px;font-weight:600}.trust-grid i{font-style:normal;color:var(--cyan);margin-right:7px;font-size:10px}.section{padding:115px 0}.section-intro{max-width:760px;margin-bottom:52px}.section-intro h2,.refinance-copy h2,.process h2{font-size:clamp(38px,4vw,56px)}.section-intro p{color:var(--muted);max-width:620px;font-size:17px}.benefit-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:16px}.benefit-card{grid-column:span 2;min-height:290px;padding:27px;border:1px solid var(--line);border-radius:18px;position:relative;background:white;transition:.3s}.benefit-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:transparent}.benefit-card.feature{grid-column:span 4;background:#e9f8f6}.benefit-card.dark{grid-column:span 4;background:var(--ink);color:white}.card-number{position:absolute;right:22px;top:20px;color:#9ba6ad;font-size:11px}.line-icon{display:grid;place-items:center;width:47px;height:47px;border:1px solid var(--line);border-radius:50%;color:var(--blue);font-size:21px;margin-bottom:35px}.benefit-card h3{font:800 21px Manrope;margin:0 0 12px}.benefit-card p{color:var(--muted);font-size:14px;max-width:450px}.benefit-card.feature strong{position:absolute;right:35px;bottom:12px;font:800 90px Manrope;color:rgba(23,135,232,.11)}.benefit-card.dark p{color:#afc1cf}.benefit-card.dark a{display:inline-block;margin-top:18px;color:var(--cyan);font-weight:700}.process{background:var(--ink);color:white;position:relative;overflow:hidden}.process:after{content:"";position:absolute;width:500px;height:500px;border:1px solid rgba(73,214,208,.2);border-radius:50%;left:-260px;bottom:-300px}.process-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:100px}.eyebrow.light{color:var(--cyan)}.process-copy p{color:#a9bbc7;max-width:450px}.process-copy .button{margin-top:25px}.steps{list-style:none;margin:0;padding:0;border-top:1px solid rgba(255,255,255,.14)}.steps li{display:grid;grid-template-columns:50px 1fr auto;gap:25px;align-items:center;padding:27px 0;border-bottom:1px solid rgba(255,255,255,.14)}.steps b{color:var(--cyan);font:700 12px Manrope}.steps h3{font:700 18px Manrope;margin:0 0 3px}.steps p{margin:0;color:#9eb0bc;font-size:13px}.steps span{color:#6f8798;font-size:11px}.refinance-grid{display:grid;grid-template-columns:1fr 1fr;gap:100px;align-items:center}.refinance-visual{min-height:520px;background:var(--cream);border-radius:28px;position:relative;display:grid;place-items:center;overflow:hidden}.visual-shape{width:310px;height:310px;background:var(--blue);color:white;border-radius:50% 50% 8% 50%;padding:70px 50px;transform:rotate(-7deg);box-shadow:30px 25px 0 rgba(73,214,208,.35)}.visual-shape>*{transform:rotate(7deg)}.visual-shape span{display:block;font-size:11px;letter-spacing:.14em}.visual-shape strong{display:block;font:800 34px/1.1 Manrope;margin-top:12px}.visual-shape i{display:block;font-style:normal;font-size:30px;margin-top:20px}.floating-note{position:absolute;right:20px;bottom:28px;background:white;border-radius:13px;box-shadow:var(--shadow);padding:18px;width:195px}.floating-note b{display:block;font:800 30px Manrope;color:var(--coral)}.floating-note span{font-size:11px;color:var(--muted)}.refinance-copy>p{color:var(--muted);font-size:17px}.check-list{list-style:none;padding:5px 0 15px}.check-list li{padding:10px 0 10px 32px;position:relative;font-weight:600}.check-list li:before{content:"✓";position:absolute;left:0;width:20px;height:20px;border-radius:50%;background:#dff7f4;color:#159a96;text-align:center;line-height:20px}.application{padding:100px 0;background:linear-gradient(135deg,#153a53,#0d273b);color:white}.application-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:95px;align-items:center}.application h2{font-size:clamp(40px,4vw,58px)}.application-copy>p{color:#afc1cf}.contact-lines{display:flex;flex-direction:column;gap:7px;margin-top:35px;font-weight:600}.contact-lines a:first-child{font:800 22px Manrope;color:var(--cyan)}.contact-lines span{font-size:13px;color:#8fa6b5}.application-form{background:white;color:var(--ink);border-radius:20px;padding:34px}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.application-form label{display:block;font-size:12px;font-weight:700;margin-bottom:17px}.application-form input:not([type=checkbox]),.application-form textarea{display:block;width:100%;margin-top:7px;border:1px solid #d8dfe2;border-radius:7px;padding:13px 14px;background:#f9faf9;outline:0}.application-form input:focus,.application-form textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(23,135,232,.1)}.consent{display:flex!important;gap:10px;color:var(--muted);font-weight:400!important}.consent input{margin-top:3px}.consent a{text-decoration:underline}.form-status{text-align:center;font-size:13px;margin:12px 0 0;color:#159a96}footer{padding:60px 0 25px;background:#091d2d;color:white}.footer-grid{display:grid;grid-template-columns:1fr 1fr 1.4fr;align-items:center;gap:50px}.brand-footer .logo-crop{border-radius:8px}.footer-grid>p{color:#8fa3b1;font-size:13px}.footer-links{display:flex;justify-content:flex-end;flex-wrap:wrap;gap:18px;font-size:12px}.footer-bottom{display:flex;justify-content:space-between;margin-top:50px;padding-top:20px;border-top:1px solid rgba(255,255,255,.1);color:#617889;font-size:11px}.reveal{opacity:0;transform:translateY(18px);transition:.7s ease}.reveal.visible{opacity:1;transform:none}
@media(max-width:980px){nav,.desktop-cta{display:none}.menu-toggle{display:flex;margin-left:auto;flex-direction:column;gap:4px;align-items:flex-end}.menu-toggle span{width:26px;height:2px;background:var(--ink)}.menu-toggle b{font-size:8px;margin-top:2px}.nav-wrap.open nav{position:absolute;display:flex;flex-direction:column;top:122px;left:0;right:0;background:white;padding:25px 30px;border-bottom:1px solid var(--line);box-shadow:0 15px 30px rgba(17,39,61,.08)}.hero-grid,.process-grid,.refinance-grid,.application-grid{grid-template-columns:1fr;gap:55px}.hero-copy{max-width:720px}.benefit-card,.benefit-card.feature,.benefit-card.dark{grid-column:span 3}.trust-grid{grid-template-columns:repeat(2,1fr);padding:25px 0}.trust-grid p{grid-column:1/-1;margin:0}.process-copy{max-width:600px}.application-copy{max-width:650px}.footer-grid{grid-template-columns:1fr 1fr}.footer-links{grid-column:1/-1;justify-content:flex-start}}
@media(max-width:640px){.container{width:min(100% - 28px,1180px)}.notice-inner>span{display:none}.notice-inner{justify-content:center}.notice-inner div{gap:16px}.nav-wrap{height:74px}.nav-wrap.open nav{top:108px}.logo-crop{width:215px;height:58px}.logo-crop img{width:215px}.hero{padding:55px 0 65px}.hero h1{font-size:43px}.lead{font-size:16px}.hero-actions{align-items:flex-start;flex-direction:column;gap:12px;margin:28px 0}.hero-trust{gap:8px}.hero-trust strong{font-size:20px}.calculator{padding:23px 20px}.payment-card strong{font-size:27px}.trust-grid{grid-template-columns:1fr 1fr}.section{padding:80px 0}.section-intro h2,.refinance-copy h2,.process h2{font-size:39px}.benefit-card,.benefit-card.feature,.benefit-card.dark{grid-column:1/-1;min-height:250px}.benefit-card.feature strong{font-size:65px}.process-grid{gap:40px}.steps li{grid-template-columns:35px 1fr}.steps li>span{display:none}.refinance-visual{min-height:410px}.visual-shape{width:255px;height:255px;padding:58px 38px}.visual-shape strong{font-size:28px}.floating-note{width:170px;right:8px}.application{padding:75px 0}.application-form{padding:24px 18px}.field-row{grid-template-columns:1fr;gap:0}.footer-grid{grid-template-columns:1fr}.footer-links{grid-column:auto}.footer-bottom{flex-direction:column;gap:7px}.notice-inner a:last-child{display:none}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto}.reveal{opacity:1;transform:none;transition:none}}
.logo-crop{width:270px;height:62px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:4px;overflow:visible;background:transparent}
.logo-crop img{position:static;display:block;width:270px;height:auto;transform:none}
.brand-slogan{position:static;display:block;width:100%;background:transparent;color:#11273d;text-align:center;font:900 12px/1.1 "DM Sans",sans-serif;letter-spacing:.015em;white-space:nowrap}
.brand-footer .logo-crop{height:76px;padding:8px 10px;background:#fff;border-radius:8px}
@media(max-width:980px){.logo-crop{width:235px;height:56px}.logo-crop img{width:235px}.brand-slogan{font-size:10.5px}.brand-footer .logo-crop{height:72px}}
@media(max-width:640px){.logo-crop{width:190px;height:48px}.logo-crop img{width:190px}.brand-slogan{font-size:8.8px}.brand-footer .logo-crop{height:64px}}

/* Service directory and routed service pages */
.loan-types{background:#fffdf9}.loan-type-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.loan-type-card{position:relative;overflow:hidden;min-height:330px;padding:34px;border-radius:24px;display:flex;flex-direction:column;border:1px solid var(--line);box-shadow:0 18px 55px rgba(11,35,55,.08);transition:.25s}.loan-type-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}.loan-type-card span{font:800 12px Manrope;letter-spacing:.12em;text-transform:uppercase}.loan-type-card h3{max-width:560px;font:800 clamp(30px,3vw,42px)/1.05 Manrope;letter-spacing:-.04em;margin:28px 0 16px}.loan-type-card p{max-width:560px;margin:0;color:var(--muted);font-size:16px}.loan-type-card b{margin-top:auto;font-size:14px}.loan-type-card.nt{background:linear-gradient(135deg,#11273d,#174462);color:#fff}.loan-type-card.nt p{color:#b8c8d5}.loan-type-card.nt span,.loan-type-card.nt b{color:var(--cyan)}.loan-type-card.consumer{background:linear-gradient(135deg,#edf9f8,#fff);color:var(--ink)}.loan-type-card.consumer span,.loan-type-card.consumer b{color:var(--blue)}
.services{background:#f4f8f8}.service-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.service-card{min-height:245px;padding:27px;border:1px solid var(--line);border-radius:18px;background:#fff;display:flex;flex-direction:column;transition:.25s}.service-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:transparent}.service-card>span{color:var(--blue);font:800 11px Manrope;letter-spacing:.1em}.service-card h3{font:800 20px/1.2 Manrope;margin:28px 0 10px}.service-card p{color:var(--muted);font-size:14px;margin:0 0 22px}.service-card b{margin-top:auto;color:var(--blue);font-size:13px}.service-card.featured{background:var(--ink);color:#fff}.service-card.featured p{color:#afc1cf}.service-card.featured b,.service-card.featured>span{color:var(--cyan)}
.page-hero{padding:95px 0 85px;background:linear-gradient(135deg,var(--cream),#e8f7f5);position:relative;overflow:hidden}.page-hero:after{content:"";position:absolute;width:430px;height:430px;border-radius:50%;background:rgba(73,214,208,.25);right:-180px;top:-210px}.breadcrumbs{font-size:12px;color:var(--muted);margin-bottom:25px}.breadcrumbs a{color:var(--blue);font-weight:700}.page-hero h1{max-width:850px;font:800 clamp(42px,5vw,68px)/1.04 Manrope;letter-spacing:-.045em;margin:0 0 25px}.page-hero p{max-width:720px;color:var(--muted);font-size:18px}.page-content{padding:90px 0}.page-layout{display:grid;grid-template-columns:1.25fr .75fr;gap:80px}.page-copy h2{font:800 36px/1.1 Manrope;letter-spacing:-.03em;margin:0 0 22px}.page-copy p{color:var(--muted);font-size:17px}.page-list{list-style:none;padding:10px 0;margin:20px 0}.page-list li{padding:14px 0 14px 34px;border-bottom:1px solid var(--line);position:relative;font-weight:600}.page-list li:before{content:"✓";position:absolute;left:0;color:#159a96;font-weight:800}.page-side{background:var(--ink);color:#fff;border-radius:20px;padding:32px;height:max-content;position:sticky;top:30px}.page-side h2{font:800 25px/1.2 Manrope;margin:0 0 14px}.page-side p{color:#afc1cf;font-size:14px}.page-side .button{margin-top:12px;width:100%}.process-mini{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin-top:50px}.process-mini article{background:#f4f8f8;border-radius:15px;padding:22px}.process-mini b{color:var(--blue);font:800 11px Manrope}.process-mini h3{font:800 17px Manrope;margin:15px 0 8px}.process-mini p{font-size:13px;margin:0}.related{padding:75px 0;background:#f4f8f8}.related h2{font:800 34px Manrope;margin:0 0 30px}.related-links{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.related-links a{background:#fff;border:1px solid var(--line);padding:22px;border-radius:14px;font-weight:800}.related-links a span{float:right;color:var(--blue)}
@media(max-width:980px){.loan-type-grid{grid-template-columns:1fr}.service-grid{grid-template-columns:repeat(2,1fr)}.page-layout{grid-template-columns:1fr;gap:45px}.page-side{position:static}.process-mini{grid-template-columns:1fr}.related-links{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.loan-type-card{min-height:280px;padding:26px}.service-grid{grid-template-columns:1fr}.page-hero{padding:65px 0}.page-content{padding:65px 0}.page-hero h1{font-size:40px}.related-links{grid-template-columns:1fr}}

/* Application form variants */
.application-form select{display:block;width:100%;margin-top:7px;border:1px solid #d8dfe2;border-radius:7px;padding:13px 14px;background:#f9faf9;outline:0}.application-form select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(23,135,232,.1)}.form-step{margin-bottom:18px}.form-step>span{display:block;margin-bottom:10px;color:var(--blue);font:800 11px Manrope;letter-spacing:.1em;text-transform:uppercase}.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.choice-card{position:relative;display:block!important;min-height:118px;margin:0!important;padding:17px 17px 17px 45px;border:1px solid #d8dfe2;border-radius:14px;background:#f9faf9;cursor:pointer;transition:.2s}.choice-card.compact{min-height:auto}.application-form .choice-card input[type=radio]{position:absolute;left:17px;top:20px;display:inline-block;width:auto;margin:0;accent-color:var(--blue);box-shadow:none}.choice-card b{display:block;font:800 15px/1.2 Manrope}.choice-card small{display:block;margin-top:7px;color:var(--muted);font-size:12px;line-height:1.35}.choice-card.is-active{border-color:var(--blue);background:#eef8ff;box-shadow:0 10px 26px rgba(23,135,232,.11)}.form-context{margin:8px 0 18px;padding:14px 16px;border-radius:12px;background:#edf9f8;color:#315467;font-size:13px}.conditional-fields[hidden]{display:none}
@media(max-width:640px){.choice-grid{grid-template-columns:1fr}.choice-card{min-height:auto}}

/* Direct chat */
.chat-widget{position:fixed;right:24px;bottom:24px;z-index:60;display:flex;flex-direction:column;align-items:flex-end;gap:12px}.chat-toggle{display:flex;align-items:center;gap:12px;border:0;border-radius:999px;background:var(--blue);color:#fff;padding:13px 18px;box-shadow:0 18px 45px rgba(23,135,232,.35);cursor:pointer;transition:.25s}.chat-toggle[hidden]{display:none!important}.chat-toggle:hover{transform:translateY(-2px);box-shadow:0 20px 55px rgba(23,135,232,.42)}.chat-toggle b{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:rgba(255,255,255,.18);font:800 12px Manrope;letter-spacing:.06em;text-transform:uppercase}.chat-toggle span{font:800 14px Manrope}.chat-panel{position:relative;width:min(360px,calc(100vw - 32px));padding:24px;border-radius:20px;background:#fff;color:var(--ink);box-shadow:0 24px 75px rgba(6,25,42,.24);border:1px solid rgba(17,39,61,.08)}.chat-panel[hidden]{display:none}.chat-panel>span{display:block;margin-bottom:8px;color:var(--blue);font:800 11px Manrope;letter-spacing:.12em;text-transform:uppercase}.chat-panel h2{margin:0 34px 9px 0;font:800 25px/1.12 Manrope;letter-spacing:-.03em}.chat-panel p{margin:0 0 18px;color:var(--muted);font-size:14px}.chat-close{position:absolute;right:16px;top:16px;width:32px;height:32px;border:0;border-radius:50%;background:#edf3f6;color:var(--ink);font:800 14px Manrope;cursor:pointer}.chat-email-form label{display:block;margin:0 0 11px;color:var(--ink);font-size:12px;font-weight:800}.chat-email-form input,.chat-email-form textarea{display:block;width:100%;margin-top:6px;border:1px solid #d8dfe2;border-radius:8px;padding:11px 12px;background:#f9faf9;color:var(--ink);outline:0;resize:vertical}.chat-email-form input:focus,.chat-email-form textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(23,135,232,.1)}.chat-option{display:flex;align-items:center;justify-content:center;width:100%;min-height:46px;margin-top:10px;border:0;border-radius:10px;background:var(--blue);color:#fff;font:800 13px Manrope;cursor:pointer}.chat-option:hover{transform:translateY(-1px);box-shadow:0 10px 24px rgba(16,45,67,.12)}
@media(max-width:640px){.chat-widget{right:14px;bottom:14px}.chat-toggle{padding:10px 13px}.chat-toggle b{width:39px;height:39px}.chat-toggle span{display:none}.chat-panel{width:calc(100vw - 28px)}}
@media(min-width:981px){nav{gap:18px;font-size:13.5px}}
.policy-section{margin:34px 0}.policy-section h3{font:800 24px/1.2 Manrope;margin:0 0 12px;color:var(--ink)}.policy-section p{margin:0 0 13px;color:var(--muted);font-size:16px}
.how-work{background:#fff}.timeline-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.timeline-card{min-height:245px;padding:24px;border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:0 14px 40px rgba(11,35,55,.06)}.timeline-card b{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:#e9f8f6;color:#159a96;font:800 12px Manrope}.timeline-card h3{font:800 20px/1.2 Manrope;margin:28px 0 10px}.timeline-card p{margin:0;color:var(--muted);font-size:14px}.faq-section{background:#f4f8f8}.faq-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:70px;align-items:start}.faq-layout .section-intro{margin-bottom:0}.faq-list{display:grid;gap:12px}.faq-list details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px 22px;box-shadow:0 12px 35px rgba(11,35,55,.05)}.faq-list summary{cursor:pointer;font:800 17px/1.3 Manrope;list-style:none}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:"+";float:right;color:var(--blue);font-size:22px;line-height:1}.faq-list details[open] summary:after{content:"-"}.faq-list p{margin:14px 0 0;color:var(--muted);font-size:15px}.testimonials{background:#fffdf9}.testimonials-grid{display:grid;grid-template-columns:1fr .8fr;gap:60px;align-items:center}.testimonial-card{padding:32px;border-radius:22px;background:linear-gradient(135deg,#11273d,#174462);color:#fff;box-shadow:var(--shadow)}.testimonial-card b{color:var(--cyan);font:800 12px Manrope;letter-spacing:.12em;text-transform:uppercase}.testimonial-card h3{font:800 28px/1.15 Manrope;margin:24px 0 12px}.testimonial-card p{color:#b8c8d5;margin:0}.map-link{display:inline-flex;align-items:center;justify-content:center;margin-top:6px;padding:14px 18px;border-radius:10px;background:var(--blue);color:#fff!important;font-weight:800;text-decoration:none}.cookie-banner{position:fixed;left:24px;right:24px;bottom:24px;z-index:70;display:flex;align-items:center;justify-content:space-between;gap:22px;max-width:980px;margin:0 auto;padding:20px 22px;border-radius:18px;background:#fff;color:var(--ink);box-shadow:0 24px 75px rgba(6,25,42,.24);border:1px solid rgba(17,39,61,.1)}.cookie-banner[hidden]{display:none}.cookie-banner b{display:block;font:800 17px Manrope;margin-bottom:4px}.cookie-banner p{margin:0;color:var(--muted);font-size:13px}.cookie-banner a{display:inline-block;margin-top:8px;color:var(--blue);font-weight:800;font-size:13px}.cookie-actions{display:flex;gap:10px;flex:0 0 auto}.cookie-actions .button{padding:13px 16px}
@media(max-width:980px){.timeline-grid{grid-template-columns:repeat(2,1fr)}.faq-layout,.testimonials-grid{grid-template-columns:1fr;gap:35px}.cookie-banner{align-items:flex-start;flex-direction:column}.cookie-actions{width:100%;justify-content:flex-end}}
@media(max-width:640px){.timeline-grid{grid-template-columns:1fr}.cookie-banner{left:14px;right:14px;bottom:14px;padding:17px}.cookie-actions{flex-direction:column}.cookie-actions .button{width:100%}}

.hero h1{letter-spacing:-.036em;line-height:1.065;word-spacing:.025em}
.calc-example{margin-top:14px;padding:14px 15px;border:1px solid #dce9ec;border-left:4px solid var(--blue);border-radius:12px;background:#f5fbfb;color:#4f6474}
.calc-example strong{display:block;margin-bottom:6px;color:var(--ink);font:800 12px/1.25 Manrope;letter-spacing:.04em;text-transform:uppercase}
.calc-example p{margin:0;font-size:11px;line-height:1.45}

/* Brand color refinement: calmer, more mature finance palette */
:root{--ink:#10283e;--ink2:#17364d;--blue:#146fb8;--cyan:#4fc5bf;--cream:#f5f2ec;--paper:#fffdf8;--coral:#d95445;--muted:#617184;--line:#dde5e8;--shadow:0 22px 70px rgba(9,35,58,.11)}
.hero{background:radial-gradient(circle at 60% 10%,#fff 0,transparent 35%),linear-gradient(135deg,#f6f3ed,#eef6f6)}
.page-hero{background:linear-gradient(135deg,#f6f3ed,#edf6f6)}
.application{background:linear-gradient(135deg,#12314b,#0a2237)}
.loan-type-card.nt,.testimonial-card{background:linear-gradient(135deg,#10283e,#173d5a)}
.button-primary,.chat-toggle,.chat-option,.map-link{box-shadow:0 14px 34px rgba(20,111,184,.18)}
.chat-toggle:hover{box-shadow:0 20px 55px rgba(20,111,184,.28)}
.choice-card.is-active{background:#edf6fc;box-shadow:0 10px 26px rgba(20,111,184,.10)}
.benefit-card.feature strong{color:rgba(20,111,184,.10)}
.calc-example{border-left-color:var(--blue);background:#f4fafb}

/* Premium visual polish */
body:before{content:"";position:fixed;inset:0;z-index:-1;pointer-events:none;background:radial-gradient(circle at 16% 10%,rgba(20,111,184,.08),transparent 26%),radial-gradient(circle at 86% 18%,rgba(79,197,191,.10),transparent 24%),linear-gradient(180deg,#fffdf8 0%,#f8fbfc 48%,#fffdf8 100%)}
.site-header{background:rgba(255,253,248,.82);box-shadow:0 14px 45px rgba(9,35,58,.05)}
.site-header:after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:1px;background:linear-gradient(90deg,transparent,rgba(20,111,184,.28),transparent)}
nav a{padding:8px 0;transition:color .25s ease,transform .25s ease}
nav a:hover{color:var(--blue);transform:translateY(-1px)}
.button{position:relative;overflow:hidden;border-radius:11px;box-shadow:0 1px 0 rgba(255,255,255,.22) inset;transition:transform .28s ease,box-shadow .28s ease,background .28s ease,color .28s ease}
.button:before{content:"";position:absolute;inset:0;left:-130%;background:linear-gradient(110deg,transparent 0%,rgba(255,255,255,.22) 48%,transparent 68%);transition:left .7s ease}
.button:hover:before{left:130%}
.button-primary{background:linear-gradient(135deg,#146fb8,#0d5f9f)}
.button-dark{background:linear-gradient(135deg,#10283e,#173d5a)}
.button-light{border:1px solid rgba(16,40,62,.10)}
.hero{isolation:isolate}
.hero:after{content:"";position:absolute;right:6%;top:14%;width:210px;height:210px;border:1px solid rgba(20,111,184,.10);border-radius:50%;box-shadow:0 0 0 34px rgba(79,197,191,.035),0 0 0 78px rgba(20,111,184,.025);pointer-events:none}
.hero h1 em,.section h2 em{background:linear-gradient(135deg,#1678c3,#0e67ad);-webkit-background-clip:text;background-clip:text;color:transparent}
.calculator,.application-form,.chat-panel,.cookie-banner{border:1px solid rgba(255,255,255,.72);box-shadow:0 28px 90px rgba(9,35,58,.13),0 1px 0 rgba(255,255,255,.9) inset}
.calculator{position:relative;overflow:hidden;background:linear-gradient(180deg,rgba(255,255,255,.96),rgba(255,255,255,.88))}
.calculator:before{content:"";position:absolute;inset:0 0 auto;height:5px;background:linear-gradient(90deg,var(--blue),var(--cyan));opacity:.9}
.payment-card{background:linear-gradient(135deg,#10283e,#173d5a);box-shadow:0 18px 38px rgba(9,35,58,.18)}
.payment-card strong{letter-spacing:-.03em}
input[type=range]::-webkit-slider-thumb{box-shadow:0 8px 18px rgba(20,111,184,.22),0 0 0 7px rgba(20,111,184,.08)}
.trust-strip{background:linear-gradient(135deg,#10283e,#0b2237)}
.trust-grid span{display:inline-flex;align-items:center;gap:7px}
.loan-type-card,.service-card,.benefit-card,.timeline-card,.faq-list details,.related-links a{position:relative;overflow:hidden;transition:transform .32s ease,box-shadow .32s ease,border-color .32s ease,background .32s ease}
.loan-type-card:before,.service-card:before,.benefit-card:before,.timeline-card:before,.faq-list details:before,.related-links a:before{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:linear-gradient(90deg,rgba(20,111,184,.75),rgba(79,197,191,.65));opacity:0;transition:opacity .28s ease}
.loan-type-card:hover:before,.service-card:hover:before,.benefit-card:hover:before,.timeline-card:hover:before,.faq-list details:hover:before,.related-links a:hover:before{opacity:1}
.service-card:hover,.benefit-card:hover,.loan-type-card:hover,.timeline-card:hover,.related-links a:hover{transform:translateY(-7px);box-shadow:0 24px 70px rgba(9,35,58,.13)}
.service-card.featured,.benefit-card.dark,.page-side{background:linear-gradient(135deg,#10283e,#173d5a)}
.benefit-card.feature{background:linear-gradient(135deg,#eef9f8,#fff)}
.line-icon,.timeline-card b,.check-list li:before{box-shadow:0 10px 24px rgba(20,111,184,.10)}
.process{background:radial-gradient(circle at 90% 0%,rgba(79,197,191,.13),transparent 32%),linear-gradient(135deg,#10283e,#0b2237)}
.process:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:54px 54px;mask-image:linear-gradient(to bottom,#000,transparent 82%)}
.process-grid{position:relative;z-index:1}
.steps li{transition:padding-left .25s ease,background .25s ease}
.steps li:hover{padding-left:10px;background:rgba(255,255,255,.025)}
.refinance-visual{background:radial-gradient(circle at 62% 38%,rgba(255,255,255,.86),transparent 32%),linear-gradient(135deg,#f5f2ec,#edf6f6)}
.visual-shape{background:linear-gradient(135deg,#146fb8,#0f5f9d);box-shadow:34px 28px 0 rgba(79,197,191,.22),0 28px 55px rgba(20,111,184,.18)}
.floating-note{border:1px solid rgba(16,40,62,.08)}
.application-form input:not([type=checkbox]),.application-form textarea,.application-form select,.chat-email-form input,.chat-email-form textarea{transition:border-color .22s ease,box-shadow .22s ease,background .22s ease}
.application-form input:not([type=checkbox]):hover,.application-form textarea:hover,.application-form select:hover,.chat-email-form input:hover,.chat-email-form textarea:hover{background:#fff;border-color:#c7d6dd}
.choice-card:hover{border-color:rgba(20,111,184,.42);background:#fff;box-shadow:0 12px 28px rgba(9,35,58,.07)}
.choice-card.is-active{border-color:rgba(20,111,184,.72)}
.faq-list details[open]{box-shadow:0 20px 55px rgba(9,35,58,.10);border-color:rgba(20,111,184,.18)}
.faq-list summary:after{transition:transform .25s ease,color .25s ease}
.faq-list details[open] summary:after{transform:rotate(180deg)}
.page-hero{background:radial-gradient(circle at 82% 0%,rgba(79,197,191,.16),transparent 30%),linear-gradient(135deg,#f6f3ed,#edf6f6)}
.page-side{box-shadow:0 24px 70px rgba(9,35,58,.16)}
.related-links a:hover{color:var(--blue)}
.chat-toggle{background:linear-gradient(135deg,#146fb8,#0d5f9f)}
.reveal{transition:opacity .8s ease,transform .8s cubic-bezier(.2,.8,.2,1)}
@media(max-width:640px){.hero:after{display:none}.service-card:hover,.benefit-card:hover,.loan-type-card:hover,.timeline-card:hover,.related-links a:hover{transform:none}.steps li:hover{padding-left:0}}

/* Situation-led positioning block */
.help-cases{background:linear-gradient(180deg,#fffdf8,#f5fafb)}
.case-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.case-card{position:relative;overflow:hidden;min-height:215px;padding:26px;border:1px solid rgba(16,40,62,.09);border-radius:18px;background:rgba(255,255,255,.82);box-shadow:0 16px 45px rgba(9,35,58,.06);transition:transform .32s ease,box-shadow .32s ease,border-color .32s ease}
.case-card:before{content:"";position:absolute;inset:0 0 auto;height:3px;background:linear-gradient(90deg,var(--blue),var(--cyan));opacity:.85}
.case-card:after{content:"";position:absolute;right:-42px;bottom:-42px;width:115px;height:115px;border-radius:50%;background:rgba(20,111,184,.055);transition:transform .35s ease}
.case-card:hover{transform:translateY(-7px);box-shadow:0 26px 75px rgba(9,35,58,.12);border-color:rgba(20,111,184,.20)}
.case-card:hover:after{transform:scale(1.25)}
.case-card b{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:#edf6fc;color:var(--blue);font:800 11px Manrope;margin-bottom:24px}
.case-card h3{position:relative;margin:0 0 10px;font:800 20px/1.18 Manrope;letter-spacing:-.02em}
.case-card p{position:relative;margin:0;color:var(--muted);font-size:14px}
.form-assurance{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:4px 0 18px}
.form-assurance span{display:flex;align-items:center;gap:7px;padding:10px 11px;border-radius:10px;background:#f3f9fa;color:#315467;font-size:11px;font-weight:800;line-height:1.25}
.form-assurance span:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--cyan);box-shadow:0 0 0 4px rgba(79,197,191,.12);flex:0 0 auto}
@media(max-width:980px){.case-grid{grid-template-columns:repeat(2,1fr)}.form-assurance{grid-template-columns:1fr}}
@media(max-width:640px){.case-grid{grid-template-columns:1fr}.case-card{min-height:auto}.case-card:hover{transform:none}}

/* Sticky navigation */
.site-header{position:sticky;top:0;z-index:1000}
.site-header .notice-bar{transition:max-height .25s ease,opacity .25s ease}
.site-header{backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px)}
@supports(position:sticky){.site-header{position:sticky}}

/* Form interaction feedback */
.application-form.form-attention{animation:formAttention 1.25s ease;box-shadow:0 0 0 5px rgba(20,111,184,.14),0 28px 80px rgba(9,35,58,.22)}
.form-status.success{display:block;padding:12px 14px;border-radius:12px;background:#e8f8f4;color:#107564;font-weight:800}
.choice-grid.single-choice{grid-template-columns:1fr}
.choice-card[hidden]{display:none!important}
.application-form .choice-card input[type=radio]{
  appearance:none;
  -webkit-appearance:none;
  position:absolute;
  left:17px;
  top:20px;
  width:16px!important;
  height:16px!important;
  min-width:16px;
  padding:0!important;
  margin:0!important;
  border:2px solid #b8c8d5!important;
  border-radius:50%!important;
  background:#fff!important;
  box-shadow:none!important;
  transform:none!important;
  transition:border-color .18s ease,background .18s ease;
}
.application-form .choice-card input[type=radio]:checked{
  border-color:var(--blue)!important;
  background:radial-gradient(circle at center,var(--blue) 0 38%,#fff 42%)!important;
}
.application-form .choice-card:hover input[type=radio]{
  left:17px;
  top:20px;
  border-color:var(--blue)!important;
  box-shadow:none!important;
  transform:none!important;
}
.chat-actions{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin:2px 0 17px}
.chat-link{display:flex;align-items:center;justify-content:center;min-height:42px;padding:10px 12px;border:1px solid rgba(16,40,62,.10);border-radius:10px;background:#f4f8fa;color:var(--ink);font:800 12px Manrope;text-align:center;transition:background .2s ease,border-color .2s ease,transform .2s ease}
.chat-link:hover{background:#fff;border-color:rgba(20,111,184,.34);transform:translateY(-1px)}
.chat-link.primary{grid-column:1/-1;background:linear-gradient(135deg,#146fb8,#0d5f9f);color:#fff;border-color:transparent}
.chat-status{min-height:18px;margin:9px 0 0;color:#107564;font-size:12px;font-weight:800;text-align:center}
.chat-status.error{color:#b42318}
.tawk-custom-launcher{position:fixed;right:24px;bottom:24px;z-index:2147483646;display:flex;align-items:center;gap:12px;min-height:58px;padding:12px 14px 12px 20px;border:0;border-radius:999px;background:linear-gradient(135deg,#10283e,#0d5f9f);color:#fff;box-shadow:0 18px 45px rgba(9,35,58,.24);cursor:pointer;transition:transform .25s ease,box-shadow .25s ease}
.tawk-custom-launcher[hidden]{display:none!important}
.tawk-custom-launcher:hover{transform:translateY(-2px);box-shadow:0 22px 58px rgba(9,35,58,.3)}
.tawk-custom-launcher[aria-busy="true"]{cursor:wait;opacity:.84}
.tawk-custom-launcher span{font:800 14px Manrope;white-space:nowrap}
.tawk-custom-launcher b{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:rgba(255,255,255,.17);font:800 11px Manrope;letter-spacing:.05em;text-transform:uppercase}
@media(max-width:640px){.tawk-custom-launcher{right:14px;bottom:14px;min-height:54px;padding:10px 12px 10px 16px}.tawk-custom-launcher span{font-size:12px}.tawk-custom-launcher b{width:38px;height:38px}}
@keyframes formAttention{0%,100%{transform:none}35%{transform:translateY(-5px)}}