:root{--brand-blue:#203080;--brand-blue-deep:#1a2670;--brand-blue-dark:#131c52;--brand-orange:#f08030;--brand-orange-bright:#ff8f3a;--brand-orange-deep:#d96a1f;--brand-light-blue:#a0c0e0;--brand-light-blue-soft:#e8f0f8;--navy:#203080;--navy-deep:#131c52;--navy-soft:#2c3e9e;--parchment:#ffffff;--parchment-warm:#f7f9fc;--brass:#f08030;--brass-bright:#ff8f3a;--ink:#1a1f3a;--ink-soft:#525974;--ink-muted:#6b7390;--line:#e3e7f0;--line-soft:#eef1f7;--white:#ffffff;--bg-soft:#f7f9fc;--bg-tint:#f0f4fb;--success:#2f7d3f;--danger:#b13a3a;--font-display:'Fraunces',Georgia,'Times New Roman',serif;--font-body:'Inter Tight',-apple-system,BlinkMacSystemFont,sans-serif;--container:1240px;--radius:8px;--radius-lg:14px;--shadow-sm:0 1px 2px rgba(32,48,128,0.05),0 2px 8px rgba(32,48,128,0.04);--shadow-md:0 4px 16px rgba(32,48,128,0.08),0 16px 40px rgba(32,48,128,0.06);--shadow-lg:0 20px 60px rgba(32,48,128,0.15)}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{font-family:var(--font-body);color:var(--ink);background:var(--white);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}img{max-width:100%;display:block}a{color:var(--navy);text-decoration:none;transition:color .2s ease}a:hover{color:var(--brass)}.container{max-width:var(--container);margin:0 auto;padding:0 24px}h1,h2,h3,h4,h5{font-family:var(--font-display);font-weight:500;color:var(--navy);letter-spacing:-0.01em;line-height:1.15;font-variation-settings:"opsz" 144}h1{font-size:clamp(2.4rem,5vw,4rem);font-weight:400}h2{font-size:clamp(1.9rem,3.6vw,2.8rem);font-weight:400}h3{font-size:clamp(1.3rem,2.2vw,1.7rem)}h4{font-size:1.15rem;font-weight:500}p{color:var(--ink-soft);margin-bottom:1rem}.lead{font-size:1.15rem;color:var(--ink);line-height:1.55}.eyebrow{font-family:var(--font-body);font-size:0.78rem;font-weight:500;text-transform:uppercase;letter-spacing:0.18em;color:var(--brass);display:inline-block;margin-bottom:1.25rem}.eyebrow::before{content:"— ";color:var(--brass)}.utility-bar{background:var(--navy-deep);color:var(--parchment);font-size:0.82rem;padding:8px 0}.utility-bar .container{display:flex;justify-content:space-between;align-items:center;gap:1rem;flex-wrap:wrap}.utility-bar a{color:var(--parchment)}.utility-bar a:hover{color:var(--brass-bright)}.utility-bar strong{color:var(--brass-bright);font-weight:500}.site-header{background:var(--parchment);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:100;backdrop-filter:saturate(140%) blur(8px)}.site-header .container{display:flex;align-items:center;justify-content:space-between;padding-top:18px;padding-bottom:18px}.logo{font-family:var(--font-display);font-size:1.5rem;font-weight:500;color:var(--navy);letter-spacing:-0.02em;display:flex;align-items:center;gap:10px}.logo-mark{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;background:var(--navy);color:var(--brass-bright);font-family:var(--font-display);font-weight:600;font-size:1.05rem;border-radius:2px}.logo-tag{font-family:var(--font-body);font-size:0.7rem;text-transform:uppercase;letter-spacing:0.18em;color:var(--brass);display:block;margin-top:2px}.main-nav{display:flex;gap:2rem;align-items:center}.main-nav a{font-size:0.93rem;color:var(--navy);font-weight:500;position:relative}.main-nav a:hover{color:var(--brass)}.main-nav .dropdown{position:relative}.main-nav .dropdown>a::after{content:" ▾";font-size:0.7rem;opacity:0.6}.main-nav .dropdown-menu{position:absolute;top:calc(100% + 18px);left:-16px;background:var(--white);border:1px solid var(--line);box-shadow:var(--shadow-md);min-width:280px;padding:14px 0;border-radius:var(--radius);opacity:0;visibility:hidden;transform:translateY(-8px);transition:all .2s ease}.main-nav .dropdown:hover .dropdown-menu{opacity:1;visibility:visible;transform:translateY(0)}.main-nav .dropdown-menu a{display:block;padding:9px 22px;font-size:0.9rem;font-weight:400}.main-nav .dropdown-menu a:hover{background:var(--parchment-warm);color:var(--navy)}.nav-cta{background:var(--navy);color:var(--parchment)!important;padding:11px 22px;border-radius:2px;transition:all .2s ease;font-weight:500!important}.nav-cta:hover{background:var(--brass);color:var(--navy)!important}.menu-toggle{display:none;background:none;border:1px solid var(--navy);color:var(--navy);padding:8px 14px;font-family:var(--font-body);cursor:pointer}.btn{display:inline-block;font-family:var(--font-body);font-weight:500;font-size:0.95rem;padding:14px 28px;border:1px solid transparent;cursor:pointer;text-decoration:none;transition:all .25s ease;letter-spacing:0.02em;border-radius:2px}.btn-primary{background:var(--navy);color:var(--parchment)}.btn-primary:hover{background:var(--brass);color:var(--navy)}.btn-secondary{background:var(--brass);color:var(--navy)}.btn-secondary:hover{background:var(--navy);color:var(--brass-bright)}.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}.btn-outline:hover{background:var(--navy);color:var(--parchment)}.btn-ghost{background:transparent;color:var(--parchment);border-color:var(--parchment)}.btn-ghost:hover{background:var(--parchment);color:var(--navy)}.hero{background:var(--navy);color:var(--parchment);padding:100px 0 120px;position:relative;overflow:hidden}.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 85% 20%,rgba(214,166,74,0.18),transparent 50%),radial-gradient(circle at 10% 90%,rgba(20,48,79,0.6),transparent 60%);pointer-events:none}.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,0.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.03) 1px,transparent 1px);background-size:64px 64px;pointer-events:none;opacity:0.5}.hero .container{position:relative;z-index:2;display:grid;grid-template-columns:1.4fr 1fr;gap:80px;align-items:center}.hero h1{color:var(--parchment);margin-bottom:1.5rem}.hero h1 em{font-style:italic;color:var(--brass-bright);font-weight:300}.hero .lead{color:rgba(246,241,231,0.8);font-size:1.2rem;max-width:560px;margin-bottom:2rem}.hero .eyebrow{color:var(--brass-bright)}.hero .eyebrow::before{color:var(--brass-bright)}.hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:3rem}.hero-trust{display:flex;gap:2rem;flex-wrap:wrap;color:rgba(246,241,231,0.7);font-size:0.85rem}.hero-trust div{display:flex;align-items:center;gap:8px}.hero-trust strong{color:var(--brass-bright);font-family:var(--font-display);font-size:1.4rem;font-weight:500;display:block}.rate-card{background:var(--parchment);color:var(--ink);padding:36px 32px;border-radius:var(--radius);box-shadow:var(--shadow-lg);border:1px solid var(--line);position:relative}.rate-card::before{content:"";position:absolute;top:-1px;left:-1px;right:-1px;height:4px;background:linear-gradient(90deg,var(--brass),var(--brass-bright),var(--brass))}.rate-card h3{font-size:1.4rem;margin-bottom:0.4rem;color:var(--navy)}.rate-card .subtitle{font-size:0.88rem;color:var(--ink-soft);margin-bottom:1.4rem}.rate-card form{display:grid;gap:14px}.rate-card label{font-size:0.78rem;font-weight:500;text-transform:uppercase;letter-spacing:0.08em;color:var(--navy);display:block;margin-bottom:4px}.rate-card input,.rate-card select{width:100%;padding:12px 14px;font-family:var(--font-body);font-size:0.95rem;border:1px solid var(--line);background:var(--white);color:var(--ink);border-radius:2px}.rate-card input:focus,.rate-card select:focus{outline:none;border-color:var(--brass);box-shadow:0 0 0 3px rgba(184,137,58,0.15)}.rate-card button{margin-top:6px;width:100%}.rate-card .form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}.rate-card small{display:block;margin-top:10px;text-align:center;color:var(--ink-soft);font-size:0.78rem}section{padding:100px 0}.section-head{max-width:760px;margin-bottom:60px}.section-head.center{margin:0 auto 60px;text-align:center}.section-head h2{margin-bottom:1rem}.section-head p{font-size:1.1rem;color:var(--ink-soft)}.trust-strip{background:var(--parchment-warm);padding:32px 0;border-bottom:1px solid var(--line)}.trust-strip .container{display:flex;justify-content:space-around;align-items:center;flex-wrap:wrap;gap:24px}.trust-strip .item{text-align:center}.trust-strip .item strong{font-family:var(--font-display);font-size:2rem;font-weight:500;color:var(--navy);display:block}.trust-strip .item span{font-size:0.82rem;text-transform:uppercase;letter-spacing:0.12em;color:var(--ink-soft)}.programs-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.program-card{background:var(--white);border:1px solid var(--line);padding:36px 32px;transition:all .3s ease;position:relative;border-radius:var(--radius);display:flex;flex-direction:column}.program-card:hover{border-color:var(--brass);transform:translateY(-4px);box-shadow:var(--shadow-md)}.program-card .num{font-family:var(--font-display);font-size:0.85rem;color:var(--brass);letter-spacing:0.1em;margin-bottom:1.2rem}.program-card h3{font-size:1.5rem;margin-bottom:0.7rem}.program-card p{font-size:0.95rem;flex:1}.program-card ul{list-style:none;padding:0;margin:1rem 0 1.5rem;font-size:0.9rem}.program-card ul li{padding:6px 0;border-top:1px dashed var(--line);color:var(--ink-soft)}.program-card ul li:first-child{border-top:1px solid var(--line);padding-top:12px;margin-top:4px}.program-card ul li::before{content:"✓ ";color:var(--brass);font-weight:600}.program-card .arrow{font-family:var(--font-display);color:var(--navy);font-weight:500;display:inline-flex;align-items:center;gap:8px;transition:gap .2s ease}.program-card:hover .arrow{gap:14px;color:var(--brass)}.process-section{background:var(--navy);color:var(--parchment)}.process-section h2{color:var(--parchment)}.process-section .eyebrow{color:var(--brass-bright)}.process-section .eyebrow::before{color:var(--brass-bright)}.process-section .section-head p{color:rgba(246,241,231,0.75)}.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;counter-reset:step}.process-step{counter-increment:step;position:relative;padding-top:64px}.process-step::before{content:"0" counter(step);position:absolute;top:0;left:0;font-family:var(--font-display);font-size:3rem;font-weight:300;color:var(--brass-bright);font-style:italic}.process-step h3{color:var(--parchment);font-size:1.3rem;margin-bottom:0.6rem}.process-step p{color:rgba(246,241,231,0.7);font-size:0.95rem}.cities-section{background:var(--parchment-warm)}.cities-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.city-tile{background:var(--white);border:1px solid var(--line);padding:22px 24px;border-radius:var(--radius);transition:all .25s ease;display:flex;flex-direction:column;gap:6px}.city-tile:hover{background:var(--navy);transform:translateY(-2px)}.city-tile h4{font-family:var(--font-display);color:var(--navy);font-size:1.15rem;font-weight:500;margin:0}.city-tile span{font-size:0.82rem;color:var(--ink-soft)}.city-tile:hover h4{color:var(--brass-bright)}.city-tile:hover span{color:var(--parchment)}.testimonials{background:var(--parchment)}.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.testimonial{background:var(--white);border:1px solid var(--line);padding:36px 32px;border-radius:var(--radius);position:relative}.testimonial::before{content:"“";position:absolute;top:-10px;left:24px;font-family:var(--font-display);font-size:5rem;color:var(--brass);line-height:1;font-weight:400}.testimonial .stars{color:var(--brass);margin-bottom:1rem;font-size:1rem;letter-spacing:2px}.testimonial blockquote{font-family:var(--font-display);font-weight:400;font-style:italic;font-size:1.1rem;color:var(--navy);line-height:1.45;margin-bottom:1.5rem}.testimonial .author{display:flex;align-items:center;gap:12px}.testimonial .avatar{width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--brass-bright);display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-weight:500}.testimonial .author-name{font-weight:500;color:var(--navy);font-size:0.95rem;line-height:1.2}.testimonial .author-meta{font-size:0.82rem;color:var(--ink-soft)}.faq-section{background:var(--white)}.faq-list{max-width:880px;margin:0 auto}.faq-item{border-bottom:1px solid var(--line);padding:0}.faq-item:first-child{border-top:1px solid var(--line)}.faq-item summary{cursor:pointer;padding:24px 0;font-family:var(--font-display);font-size:1.2rem;font-weight:500;color:var(--navy);list-style:none;display:flex;justify-content:space-between;align-items:center;gap:24px}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary::after{content:"+";font-family:var(--font-display);font-size:1.8rem;color:var(--brass);font-weight:400;line-height:1;transition:transform .2s ease}.faq-item[open] summary::after{content:"−"}.faq-item .answer{padding:0 0 28px;color:var(--ink-soft);font-size:1rem;line-height:1.65;max-width:720px}.faq-item .answer p{margin-bottom:0.8rem}.cta-banner{background:var(--navy-deep);color:var(--parchment);padding:80px 0;text-align:center;position:relative;overflow:hidden}.cta-banner::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse at center,rgba(214,166,74,0.15),transparent 60%)}.cta-banner .container{position:relative;z-index:2}.cta-banner h2{color:var(--parchment);margin-bottom:1rem}.cta-banner h2 em{color:var(--brass-bright);font-style:italic;font-weight:300}.cta-banner p{color:rgba(246,241,231,0.8);font-size:1.15rem;margin-bottom:2rem;max-width:600px;margin-left:auto;margin-right:auto}.cta-banner .btn-group{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}.site-footer{background:var(--navy-deep);color:rgba(246,241,231,0.7);padding:80px 0 24px;font-size:0.9rem}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:48px;margin-bottom:60px}.site-footer h5{color:var(--parchment);font-family:var(--font-body);font-size:0.85rem;font-weight:500;text-transform:uppercase;letter-spacing:0.14em;margin-bottom:1.2rem}.site-footer ul{list-style:none}.site-footer ul li{margin-bottom:0.6rem}.site-footer a{color:rgba(246,241,231,0.7);font-size:0.9rem}.site-footer a:hover{color:var(--brass-bright)}.site-footer .logo{color:var(--parchment);margin-bottom:1rem}.site-footer .logo-mark{background:var(--brass);color:var(--navy)}.footer-about p{color:rgba(246,241,231,0.65);font-size:0.92rem;max-width:360px}.footer-legal{border-top:1px solid rgba(246,241,231,0.1);padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:0.78rem;color:rgba(246,241,231,0.5)}.footer-legal .nmls{font-family:var(--font-body)}.page-header{background:var(--navy);color:var(--parchment);padding:80px 0 100px;position:relative;overflow:hidden}.page-header::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 80% 30%,rgba(214,166,74,0.15),transparent 50%)}.page-header .container{position:relative;z-index:2;max-width:880px}.page-header h1{color:var(--parchment);margin-bottom:1rem}.page-header h1 em{font-style:italic;color:var(--brass-bright);font-weight:300}.page-header .lead{color:rgba(246,241,231,0.8);font-size:1.2rem}.breadcrumb{color:rgba(246,241,231,0.6);font-size:0.85rem;margin-bottom:1.5rem}.breadcrumb a{color:rgba(246,241,231,0.6)}.breadcrumb a:hover{color:var(--brass-bright)}.content-layout{display:grid;grid-template-columns:1.6fr 1fr;gap:64px;align-items:flex-start}.content-main h2{margin:2rem 0 1rem}.content-main h2:first-child{margin-top:0}.content-main h3{margin:1.5rem 0 0.6rem}.content-main p{font-size:1.02rem;color:var(--ink-soft);margin-bottom:1.1rem;line-height:1.7}.content-main ul,.content-main ol{margin:0 0 1.2rem 1.5rem;color:var(--ink-soft)}.content-main ul li,.content-main ol li{margin-bottom:0.5rem;line-height:1.65}.content-main strong{color:var(--navy);font-weight:500}.fact-box{background:var(--parchment-warm);border-left:3px solid var(--brass);padding:24px 28px;margin:2rem 0;border-radius:0 var(--radius) var(--radius) 0}.fact-box h4{color:var(--navy);margin-bottom:0.5rem;font-family:var(--font-display)}.fact-box p{margin:0;color:var(--ink);font-size:0.95rem}.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:2rem 0}.stat-tile{background:var(--white);border:1px solid var(--line);padding:24px;border-radius:var(--radius);text-align:center}.stat-tile strong{font-family:var(--font-display);font-size:2.2rem;color:var(--navy);display:block;line-height:1;font-weight:500}.stat-tile span{font-size:0.8rem;text-transform:uppercase;letter-spacing:0.1em;color:var(--ink-soft);display:block;margin-top:8px}.sidebar{position:sticky;top:100px;background:var(--white);border:1px solid var(--line);padding:32px 28px;border-radius:var(--radius);box-shadow:var(--shadow-sm)}.sidebar h3{font-size:1.25rem;margin-bottom:0.4rem}.sidebar p.muted{font-size:0.88rem;color:var(--ink-soft);margin-bottom:1.4rem}.sidebar form{display:grid;gap:12px}.sidebar label{font-size:0.75rem;font-weight:500;text-transform:uppercase;letter-spacing:0.08em;color:var(--navy)}.sidebar input,.sidebar select,.sidebar textarea{width:100%;padding:11px 13px;font-family:var(--font-body);font-size:0.95rem;border:1px solid var(--line);background:var(--white);color:var(--ink);border-radius:2px}.sidebar input:focus,.sidebar select:focus,.sidebar textarea:focus{outline:none;border-color:var(--brass);box-shadow:0 0 0 3px rgba(184,137,58,0.15)}.sidebar textarea{resize:vertical;min-height:80px}.sidebar button{margin-top:8px;width:100%}.sidebar .trust-line{font-size:0.78rem;color:var(--ink-soft);text-align:center;margin-top:10px}.compare-table{width:100%;border-collapse:collapse;margin:2rem 0;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}.compare-table th,.compare-table td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);font-size:0.95rem}.compare-table th{background:var(--parchment-warm);font-family:var(--font-display);font-weight:500;color:var(--navy);font-size:0.95rem}.compare-table tr:last-child td{border-bottom:none}.compare-table td:first-child{font-weight:500;color:var(--navy)}.form-page{display:grid;grid-template-columns:1fr 1fr;gap:64px}.form-page .info h2{margin-bottom:1rem}.form-page .info ul{list-style:none;padding:0;margin-top:1.5rem}.form-page .info ul li{padding:14px 0;border-top:1px solid var(--line);display:flex;gap:12px;align-items:flex-start}.form-page .info ul li strong{display:block;color:var(--navy);margin-bottom:2px}.form-page .info ul li span{color:var(--ink-soft);font-size:0.95rem}.form-page .info ul li:first-child{border-top:none}.form-card{background:var(--white);border:1px solid var(--line);padding:40px 36px;border-radius:var(--radius);box-shadow:var(--shadow-sm)}.form-card form{display:grid;gap:18px}.form-card .form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form-card label{font-size:0.78rem;font-weight:500;text-transform:uppercase;letter-spacing:0.08em;color:var(--navy);margin-bottom:4px;display:block}.form-card input,.form-card select,.form-card textarea{width:100%;padding:12px 14px;font-family:var(--font-body);font-size:0.95rem;border:1px solid var(--line);background:var(--white);border-radius:2px;color:var(--ink)}.form-card input:focus,.form-card select:focus,.form-card textarea:focus{outline:none;border-color:var(--brass);box-shadow:0 0 0 3px rgba(184,137,58,0.15)}.form-card textarea{resize:vertical;min-height:110px}.form-card button{margin-top:8px}.form-card .consent{font-size:0.8rem;color:var(--ink-soft);display:flex;gap:8px;align-items:flex-start}.form-card .consent input{width:auto;margin-top:3px}.form-success{background:rgba(47,125,63,0.1);border:1px solid var(--success);color:var(--success);padding:14px 18px;border-radius:var(--radius);font-size:0.9rem;display:none}.form-success.show{display:block}@media (max-width:1024px){.hero .container{grid-template-columns:1fr;gap:60px}.programs-grid{grid-template-columns:repeat(2,1fr)}.process-grid{grid-template-columns:repeat(2,1fr)}.cities-grid{grid-template-columns:repeat(3,1fr)}.testimonials-grid{grid-template-columns:1fr}.content-layout{grid-template-columns:1fr}.form-page{grid-template-columns:1fr}.sidebar{position:static}.footer-grid{grid-template-columns:1fr 1fr}}@media (max-width:720px){section{padding:70px 0}.hero{padding:70px 0 80px}.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--parchment);flex-direction:column;align-items:stretch;gap:0;border-bottom:1px solid var(--line);padding:8px 0}.main-nav.open{display:flex}.main-nav a{padding:14px 24px}.main-nav .dropdown-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:none;background:var(--parchment-warm);padding:0;min-width:0}.main-nav .dropdown-menu a{padding:10px 40px;font-size:0.88rem}.menu-toggle{display:block}.programs-grid{grid-template-columns:1fr}.process-grid{grid-template-columns:1fr}.cities-grid{grid-template-columns:1fr 1fr}.trust-strip .container{gap:14px}.trust-strip .item strong{font-size:1.5rem}.stat-row{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr;gap:36px}.form-card .form-row{grid-template-columns:1fr}.rate-card .form-row{grid-template-columns:1fr}}@keyframes fadeUp{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}.fade-up{animation:fadeUp .8s ease both}.fade-up-1{animation-delay:.1s}.fade-up-2{animation-delay:.2s}.fade-up-3{animation-delay:.3s}.fade-up-4{animation-delay:.4s}.site-header .header-inner{display:flex;align-items:center;justify-content:space-between;padding:18px 0;gap:28px}.brand{display:inline-flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy-deep)}.brand-mark{width:36px;height:36px;border-radius:8px;background:var(--navy-deep);color:var(--brass-bright);display:inline-flex;align-items:center;justify-content:center;font-family:'Fraunces',Georgia,serif;font-weight:700;font-size:20px}.brand-name{font-family:'Fraunces',Georgia,serif;font-weight:600;font-size:1.25rem;letter-spacing:-0.01em}.primary-nav{display:flex;align-items:center}.primary-nav>ul{list-style:none;display:flex;gap:28px;margin:0;padding:0;align-items:center}.primary-nav>ul>li{position:relative}.primary-nav>ul>li>a{color:var(--navy-deep);text-decoration:none;font-weight:500;font-size:0.95rem;padding:8px 0;display:inline-block;transition:color .15s}.primary-nav>ul>li>a:hover,.primary-nav>ul>li>a.active{color:var(--brass)}.primary-nav .dropdown{position:absolute;top:100%;left:0;min-width:220px;background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:0 12px 36px rgba(11,29,51,0.10);padding:8px 0;list-style:none;margin:8px 0 0;opacity:0;visibility:hidden;transform:translateY(-4px);transition:all .15s;z-index:50}.primary-nav .has-dropdown:hover .dropdown{opacity:1;visibility:visible;transform:translateY(0)}.primary-nav .dropdown li{list-style:none}.primary-nav .dropdown a{display:block;padding:9px 18px;color:var(--navy-deep);text-decoration:none;font-size:0.9rem}.primary-nav .dropdown a:hover{background:var(--parchment-warm);color:var(--brass)}.header-cta{margin-left:8px}.nav-toggle{display:none;background:none;border:none;font-size:1.6rem;cursor:pointer;color:var(--navy-deep)}.utility-inner{display:flex;justify-content:space-between;align-items:center}.utility-bar a{color:inherit;text-decoration:none;font-weight:500}.page-header{background:linear-gradient(180deg,var(--parchment-warm) 0%,var(--parchment) 100%);padding:80px 0 60px;border-bottom:1px solid var(--line)}.page-header h1{font-family:'Fraunces',Georgia,serif;font-size:clamp(2.2rem,4vw,3.4rem);font-weight:600;line-height:1.05;letter-spacing:-0.02em;color:var(--navy-deep);margin:8px 0 18px}.page-header .eyebrow{color:var(--brass);font-size:0.82rem;text-transform:uppercase;letter-spacing:0.12em;font-weight:600;margin:0}.page-header .lede{font-size:1.15rem;max-width:720px;line-height:1.55;color:var(--ink-soft)}.breadcrumb{font-size:0.85rem;color:var(--ink-soft);margin-bottom:20px}.breadcrumb a{color:var(--ink-soft);text-decoration:none}.breadcrumb a:hover{color:var(--brass)}.breadcrumb span{margin:0 6px;opacity:0.5}.section{padding:80px 0}.section-muted{background:var(--parchment-warm)}.section-title{font-family:'Fraunces',Georgia,serif;font-size:clamp(1.8rem,3vw,2.5rem);font-weight:600;line-height:1.15;letter-spacing:-0.01em;color:var(--navy-deep);margin:0 0 36px}.container.narrow{max-width:820px}.narrow{max-width:820px;margin-left:auto;margin-right:auto}.form-page-grid{display:grid;grid-template-columns:1.55fr 1fr;gap:48px;align-items:start}.form-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:36px;box-shadow:0 1px 0 rgba(11,29,51,0.04)}.form-card .form-title{font-family:'Fraunces',Georgia,serif;font-size:1.6rem;font-weight:600;margin:0 0 8px;color:var(--navy-deep)}.form-card .form-sub{color:var(--ink-soft);margin:0 0 24px}.form-card fieldset{border:none;padding:0;margin:0 0 28px}.form-card legend{font-family:'Fraunces',Georgia,serif;font-weight:600;font-size:1.1rem;color:var(--navy-deep);margin-bottom:14px;padding:0}.form-card label{display:block;font-size:0.85rem;font-weight:500;color:var(--ink-soft);margin-bottom:14px}.form-card label.checkbox{display:flex;gap:10px;align-items:flex-start;font-size:0.85rem;color:var(--ink-soft);font-weight:400;line-height:1.45}.form-card label.checkbox input{width:auto;margin-top:3px}.form-card input[type="text"],.form-card input[type="email"],.form-card input[type="tel"],.form-card select,.form-card textarea{width:100%;padding:11px 14px;border:1px solid var(--line);border-radius:8px;font:inherit;font-size:0.95rem;color:var(--navy-deep);background:#fff;margin-top:5px;transition:border-color .15s,box-shadow .15s}.form-card input:focus,.form-card select:focus,.form-card textarea:focus{outline:none;border-color:var(--brass);box-shadow:0 0 0 3px rgba(184,137,58,0.12)}.form-card .form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form-card .form-help{font-size:0.85rem;color:var(--ink-soft);margin:-6px 0 14px;font-style:italic}.form-card .form-fine{font-size:0.78rem;color:var(--ink-soft);margin:14px 0 0;line-height:1.5}.btn-large{padding:16px 30px;font-size:1rem;width:100%}.btn-block{width:100%;display:block;text-align:center}.form-aside{display:flex;flex-direction:column;gap:20px}.aside-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px}.aside-card h3{font-family:'Fraunces',Georgia,serif;font-size:1.15rem;font-weight:600;margin:0 0 14px;color:var(--navy-deep)}.aside-card p{font-size:0.92rem;color:var(--ink-soft);line-height:1.55;margin:0 0 10px}.aside-card .step-list{padding-left:18px;margin:0}.aside-card .step-list li{font-size:0.9rem;color:var(--ink-soft);margin-bottom:10px;line-height:1.5}.aside-card .step-list strong{color:var(--navy-deep)}.aside-card .checklist{list-style:none;padding:0;margin:0}.aside-card .checklist li{padding-left:24px;position:relative;margin-bottom:10px;font-size:0.9rem;color:var(--ink-soft);line-height:1.45}.aside-card .checklist li::before{content:"✓";position:absolute;left:0;top:0;color:var(--brass);font-weight:700}.aside-card.aside-trust{background:var(--navy-deep);border-color:var(--navy-deep);color:var(--parchment)}.aside-card.aside-trust .trust-stat{color:rgba(246,241,231,0.85);margin:0 0 8px;font-size:0.9rem}.aside-card.aside-trust .trust-stat strong{color:var(--brass-bright);font-size:1.05rem}.aside-card .big-phone{font-family:'Fraunces',Georgia,serif;font-size:1.7rem;font-weight:600;color:var(--navy-deep);text-decoration:none;display:block;margin:0 0 14px;letter-spacing:-0.01em}.aside-card .big-phone:hover{color:var(--brass)}.aside-card .aside-hours{font-size:0.88rem;color:var(--ink-soft);line-height:1.65;margin:6px 0}.aside-card address{font-style:normal;font-size:0.92rem;color:var(--ink-soft);line-height:1.6;margin-bottom:10px}.rates-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-bottom:28px}.rate-tile{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px 22px;position:relative;transition:border-color .15s,box-shadow .15s}.rate-tile:hover{border-color:var(--brass);box-shadow:0 8px 24px rgba(11,29,51,0.06)}.rate-tile.featured{border-color:var(--brass);border-width:2px}.rate-tile.featured::before{content:"Popular";position:absolute;top:-10px;left:22px;background:var(--brass);color:#fff;font-size:0.7rem;font-weight:600;padding:4px 10px;border-radius:20px;letter-spacing:0.05em;text-transform:uppercase}.rate-tile .eyebrow{color:var(--brass);font-size:0.72rem;text-transform:uppercase;letter-spacing:0.08em;font-weight:600;margin:0 0 12px}.rate-tile .rate-big{font-family:'Fraunces',Georgia,serif;font-size:2.5rem;font-weight:600;color:var(--navy-deep);margin:0;line-height:1;letter-spacing:-0.02em}.rate-tile .rate-big span{font-size:1.4rem;color:var(--brass);margin-left:2px}.rate-tile .rate-apr{font-size:0.82rem;color:var(--ink-soft);margin:4px 0 16px}.rate-tile .rate-detail{list-style:none;padding:0;margin:0 0 18px}.rate-tile .rate-detail li{font-size:0.82rem;color:var(--ink-soft);line-height:1.45;padding:4px 0;border-bottom:1px dashed var(--line)}.rate-tile .rate-detail li:last-child{border:none}.rates-disclaimer{font-size:0.78rem;color:var(--ink-soft);line-height:1.55;max-width:900px;margin:28px auto 0;font-style:italic}.value-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.value-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px}.value-card h3{font-family:'Fraunces',Georgia,serif;font-size:1.2rem;font-weight:600;color:var(--navy-deep);margin:0 0 10px;line-height:1.25}.value-card p{font-size:0.92rem;color:var(--ink-soft);line-height:1.6;margin:0}.stat-row{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;padding:32px 0}.stat-row .stat{text-align:center;padding:12px}.stat-row .stat strong{display:block;font-family:'Fraunces',Georgia,serif;font-size:2rem;font-weight:600;color:var(--brass);line-height:1;letter-spacing:-0.02em;margin-bottom:6px}.stat-row .stat span{display:block;font-size:0.82rem;color:var(--ink-soft);line-height:1.4}.cta-banner{background:var(--navy-deep);color:var(--parchment);padding:60px 0}.cta-banner .cta-inner{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}.cta-banner h2{font-family:'Fraunces',Georgia,serif;font-size:1.9rem;font-weight:600;margin:0 0 6px;color:#fff;line-height:1.2}.cta-banner p{margin:0;color:rgba(246,241,231,0.8);font-size:1.05rem}.cta-actions{display:flex;gap:12px;flex-wrap:wrap}.btn-light{background:var(--brass);color:#fff;border:1px solid var(--brass);padding:14px 28px;font-weight:600;border-radius:8px;text-decoration:none;display:inline-flex;align-items:center;transition:background .15s}.btn-light:hover{background:var(--brass-bright)}.btn-light-outline{background:transparent;color:var(--parchment);border:1px solid rgba(246,241,231,0.4);padding:14px 28px;font-weight:500;border-radius:8px;text-decoration:none;display:inline-flex;align-items:center;transition:all .15s}.btn-light-outline:hover{border-color:var(--parchment);background:rgba(246,241,231,0.05)}.site-footer{background:var(--navy-deep);color:rgba(246,241,231,0.75);padding:60px 0 30px}.site-footer h4{font-family:'Fraunces',Georgia,serif;color:var(--parchment);font-weight:600;font-size:1rem;margin:0 0 16px;letter-spacing:0.02em}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer ul li{margin-bottom:8px}.site-footer a{color:rgba(246,241,231,0.75);text-decoration:none;font-size:0.9rem;transition:color .15s}.site-footer a:hover{color:var(--brass-bright)}.brand-footer .brand-name{color:var(--parchment)}.footer-blurb{font-size:0.9rem;line-height:1.6;margin:16px 0 12px}.footer-license{font-size:0.78rem;color:rgba(246,241,231,0.5);margin:0}.footer-bottom{border-top:1px solid rgba(246,241,231,0.1);margin-top:40px;padding-top:24px}.footer-bottom p{font-size:0.82rem;color:rgba(246,241,231,0.55);margin:0 0 12px}.footer-bottom .legal{font-size:0.72rem;line-height:1.55;color:rgba(246,241,231,0.45)}.legal-content h2{font-family:'Fraunces',Georgia,serif;font-size:1.5rem;font-weight:600;color:var(--navy-deep);margin:36px 0 14px}.legal-content h2:first-child{margin-top:0}.legal-content p{color:var(--ink-soft);line-height:1.7;margin:0 0 14px}.legal-content .legal-list{padding-left:22px;margin:0 0 16px}.legal-content .legal-list li{color:var(--ink-soft);line-height:1.7;margin-bottom:8px}.legal-content .key-facts{width:100%;border-collapse:collapse;margin:14px 0 28px;background:#fff;border:1px solid var(--line);border-radius:8px;overflow:hidden}.legal-content .key-facts th,.legal-content .key-facts td{padding:12px 18px;border-bottom:1px solid var(--line);text-align:left;font-size:0.92rem}.legal-content .key-facts th{background:var(--parchment-warm);color:var(--navy-deep);font-weight:600;width:35%}.legal-content .key-facts td{color:var(--ink-soft)}.legal-content .key-facts tr:last-child th,.legal-content .key-facts tr:last-child td{border-bottom:none}.legal-content .checklist{list-style:none;padding:0;margin:0 0 24px}.legal-content .checklist li{padding-left:26px;position:relative;margin-bottom:10px;color:var(--ink-soft);line-height:1.6}.legal-content .checklist li::before{content:"✓";position:absolute;left:0;top:0;color:var(--brass);font-weight:700}.faq-list{max-width:820px;margin:0 auto}.faq-list details{background:#fff;border:1px solid var(--line);border-radius:8px;padding:18px 22px;margin-bottom:12px;transition:border-color .15s}.faq-list details[open]{border-color:var(--brass)}.faq-list summary{font-family:'Fraunces',Georgia,serif;font-weight:600;color:var(--navy-deep);cursor:pointer;font-size:1.05rem;line-height:1.4;list-style:none;position:relative;padding-right:30px}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary::after{content:"+";position:absolute;right:0;top:0;color:var(--brass);font-size:1.4rem;font-weight:400;transition:transform .2s}.faq-list details[open] summary::after{content:"−"}.faq-list details p{margin:14px 0 0;color:var(--ink-soft);line-height:1.65;font-size:0.95rem}@media (max-width:1024px){.form-page-grid{grid-template-columns:1fr}.rates-grid{grid-template-columns:repeat(2,1fr)}.value-grid{grid-template-columns:repeat(2,1fr)}.stat-row{grid-template-columns:repeat(3,1fr)}}@media (max-width:720px){.primary-nav{display:none}.primary-nav.open{display:flex;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line)}.primary-nav.open>ul{flex-direction:column;align-items:stretch;padding:14px 24px;width:100%;gap:0}.primary-nav.open>ul>li{width:100%;border-bottom:1px solid var(--line)}.primary-nav.open>ul>li>a{padding:12px 0}.nav-toggle{display:block}.header-cta{display:none}.rates-grid{grid-template-columns:1fr}.value-grid{grid-template-columns:1fr}.form-card{padding:24px}.form-card .form-row{grid-template-columns:1fr}.stat-row{grid-template-columns:1fr 1fr}.cta-banner .cta-inner{flex-direction:column;align-items:flex-start}}.program-hero{padding:48px 0 64px;background:linear-gradient(180deg,var(--parchment) 0%,var(--parchment-warm) 100%);border-bottom:1px solid var(--line)}.program-hero-grid{display:grid;grid-template-columns:1.6fr 1fr;gap:56px;align-items:start}.program-hero-content .breadcrumbs{font-size:0.85rem;color:var(--ink-soft);margin-bottom:16px}.program-hero-content .breadcrumbs a{color:var(--ink-soft);text-decoration:none}.program-hero-content .breadcrumbs a:hover{color:var(--brass)}.program-hero-content .breadcrumbs span{color:var(--navy);font-weight:500}.display-h1{font-family:var(--font-display);font-size:clamp(2.2rem,4.5vw,3.4rem);line-height:1.08;color:var(--navy);font-weight:600;letter-spacing:-0.02em;margin:8px 0 24px}.answer-first{font-size:1.12rem;line-height:1.65;color:var(--ink);max-width:640px;margin-bottom:28px}.answer-first-card{background:var(--parchment-warm);border-left:4px solid var(--brass);padding:22px 26px;margin-bottom:36px;border-radius:4px}.answer-first-card .answer-first-label{font-size:0.72rem;text-transform:uppercase;letter-spacing:0.16em;color:var(--brass);font-weight:700;margin-bottom:8px}.answer-first-card p{font-size:1.05rem;line-height:1.65;margin:0;color:var(--ink)}.hero-cta-row{display:flex;gap:14px;margin-bottom:32px;flex-wrap:wrap}.program-hero .stat-row{grid-template-columns:repeat(3,1fr);gap:14px;padding:0;margin-top:0}.program-hero .stat-tile{background:var(--white);border:1px solid var(--line);padding:20px 16px;border-radius:4px;text-align:center}.stat-num{font-family:var(--font-display);font-size:1.7rem;font-weight:600;color:var(--navy);display:block;line-height:1.05}.stat-label{font-size:0.75rem;text-transform:uppercase;letter-spacing:0.1em;color:var(--ink-soft);display:block;margin-top:6px;line-height:1.3}.program-sidebar{position:sticky;top:100px}.lead-card{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:28px;box-shadow:0 2px 18px rgba(11,29,51,0.06)}.lead-eyebrow{font-size:0.72rem;text-transform:uppercase;letter-spacing:0.14em;color:var(--brass);font-weight:600;margin-bottom:8px}.lead-title{font-family:var(--font-display);font-size:1.5rem;font-weight:600;color:var(--navy);margin:0 0 8px;line-height:1.2}.lead-sub{font-size:0.9rem;color:var(--ink-soft);margin-bottom:20px;line-height:1.5}.lead-field{margin-bottom:14px}.lead-field label{display:block;font-size:0.82rem;font-weight:500;color:var(--navy);margin-bottom:5px}.lead-field input,.lead-field select{width:100%;padding:11px 13px;font-family:var(--font-body);font-size:0.95rem;border:1px solid var(--line);border-radius:4px;background:var(--white);color:var(--ink);transition:border-color .15s ease}.lead-field input:focus,.lead-field select:focus{outline:none;border-color:var(--brass)}.btn-block{width:100%}.lead-trust{font-size:0.78rem;color:var(--ink-soft);text-align:center;margin-top:14px;line-height:1.45}.sidebar-trust{display:flex;justify-content:space-between;gap:14px;margin-top:18px;padding:18px 8px;background:var(--parchment-warm);border-radius:4px}.trust-stat{flex:1;text-align:center;margin:0}.trust-stat strong{display:block;font-family:var(--font-display);font-size:1.15rem;color:var(--navy);font-weight:600;line-height:1.1}.trust-stat span{display:block;font-size:0.7rem;color:var(--ink-soft);text-transform:uppercase;letter-spacing:0.08em;margin-top:3px}.program-section{padding:56px 0}.program-section.alt-bg{background:var(--parchment-warm)}.program-section h2{font-family:var(--font-display);font-size:clamp(1.7rem,2.8vw,2.2rem);color:var(--navy);font-weight:600;line-height:1.2;margin-bottom:22px;letter-spacing:-0.01em}.program-section p{font-size:1.02rem;line-height:1.7;color:var(--ink);margin-bottom:1rem}.check-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:14px 28px}.check-list li{position:relative;padding-left:30px;font-size:1rem;line-height:1.55;color:var(--ink)}.check-list li::before{content:"✓";position:absolute;left:0;top:0;color:var(--brass);font-weight:700;font-size:1.1rem}.facts-table-wrap{overflow-x:auto}.facts-table{width:100%;border-collapse:collapse;font-size:0.96rem}.facts-table th,.facts-table td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}.facts-table th{width:42%;font-weight:600;color:var(--navy);background:var(--white);font-family:var(--font-body)}.facts-table td{color:var(--ink)}.process-steps{list-style:none;padding:0;margin:0;counter-reset:step}.process-steps li{padding:22px 22px 22px 78px;background:var(--white);border-left:3px solid var(--brass);margin-bottom:14px;border-radius:0 4px 4px 0;position:relative}.process-steps h4{font-family:var(--font-display);font-size:1.15rem;font-weight:600;color:var(--navy);margin:0 0 6px}.process-steps p{margin:0;color:var(--ink-soft);font-size:0.96rem;line-height:1.55}.faq-list .faq-item{border-bottom:1px solid var(--line)}.faq-list .faq-item:first-child{border-top:1px solid var(--line)}.faq-list .faq-item summary{padding:22px 40px 22px 0;font-family:var(--font-display);font-size:1.1rem;font-weight:500;color:var(--navy);cursor:pointer;list-style:none;position:relative;line-height:1.4}.faq-list .faq-item summary::-webkit-details-marker{display:none}.faq-list .faq-item summary::after{content:"+";position:absolute;right:8px;top:22px;font-size:1.4rem;color:var(--brass);font-weight:300}.faq-list .faq-item[open] summary::after{content:"−"}.faq-list .faq-answer{padding:0 0 24px}.faq-list .faq-answer p{font-size:1rem;line-height:1.7;color:var(--ink);margin:0;max-width:720px}.cta-band{background:var(--navy);color:var(--parchment);padding:56px 0}.cta-band-inner{text-align:center;max-width:720px;margin:0 auto}.cta-band h2{font-family:var(--font-display);font-size:clamp(1.7rem,3vw,2.3rem);color:var(--parchment);margin:0 0 12px;font-weight:500}.cta-band p{color:rgba(246,241,231,0.85);font-size:1.05rem;line-height:1.6;margin-bottom:24px}.cta-band .hero-cta-row{justify-content:center}.cta-band .btn-outline,.cta-band a.btn-outline{background:transparent;border-color:var(--parchment);color:var(--parchment)}.cta-band .btn-outline:hover,.cta-band a.btn-outline:hover{background:var(--parchment);color:var(--navy);border-color:var(--parchment)}.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}.related-card{display:block;padding:22px 24px;background:var(--white);border:1px solid var(--line);border-radius:4px;text-decoration:none;color:var(--ink);transition:all .2s ease}.related-card:hover{border-color:var(--brass);transform:translateY(-2px);box-shadow:0 4px 14px rgba(11,29,51,0.08)}.related-card h4{font-family:var(--font-display);font-size:1.1rem;font-weight:600;color:var(--navy);margin:0 0 8px}.related-card p{font-size:0.92rem;color:var(--ink-soft);line-height:1.5;margin:0}.related-card .related-cat{font-size:0.72rem;text-transform:uppercase;letter-spacing:0.12em;color:var(--brass);font-weight:600;margin-bottom:6px}.related-card .related-time{font-size:0.82rem;color:var(--ink-soft);margin-top:10px}.guide-article{padding-bottom:0}.guide-header{padding:48px 0 32px;background:var(--parchment);border-bottom:1px solid var(--line)}.guide-header .breadcrumbs{font-size:0.85rem;color:var(--ink-soft);margin-bottom:16px}.guide-header .breadcrumbs a{color:var(--ink-soft);text-decoration:none}.guide-header .breadcrumbs a:hover{color:var(--brass)}.guide-summary{font-size:1.15rem;line-height:1.6;color:var(--ink-soft);margin-top:16px;max-width:720px;font-style:italic}.guide-body{padding:48px 0}.guide-section{margin-bottom:48px}.guide-section h2{font-family:var(--font-display);font-size:clamp(1.5rem,2.6vw,1.95rem);color:var(--navy);font-weight:600;line-height:1.25;margin:0 0 18px;letter-spacing:-0.01em}.guide-section p{font-size:1.04rem;line-height:1.75;color:var(--ink);margin-bottom:1.1rem}.guide-section p:last-child{margin-bottom:0}.guide-section strong{color:var(--navy);font-weight:600}.guides-category-section{padding:40px 0;border-bottom:1px solid var(--line)}.guides-category-section:last-child{border-bottom:none}.guides-category-section h2{font-family:var(--font-display);font-size:1.7rem;color:var(--navy);font-weight:600;margin:0 0 24px}.guides-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(310px,1fr));gap:18px}.guide-card{display:block;padding:26px;background:var(--white);border:1px solid var(--line);border-radius:6px;text-decoration:none;color:var(--ink);transition:all .2s ease}.guide-card:hover{border-color:var(--brass);transform:translateY(-2px);box-shadow:0 4px 14px rgba(11,29,51,0.08)}.guide-card-cat{font-size:0.72rem;text-transform:uppercase;letter-spacing:0.12em;color:var(--brass);font-weight:600;margin-bottom:10px}.guide-card h3{font-family:var(--font-display);font-size:1.2rem;font-weight:600;color:var(--navy);line-height:1.3;margin:0 0 10px}.guide-card-summary{font-size:0.93rem;color:var(--ink-soft);line-height:1.55;margin:0 0 14px}.guide-card-cta{font-size:0.85rem;color:var(--brass);font-weight:600}.program-hub-section{padding:40px 0;border-bottom:1px solid var(--line)}.program-hub-section:last-child{border-bottom:none}.program-hub-section h2{font-family:var(--font-display);font-size:1.7rem;color:var(--navy);font-weight:600;margin:0 0 24px}.program-hub-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px}.program-card{display:block;padding:24px;background:var(--white);border:1px solid var(--line);border-radius:6px;text-decoration:none;color:var(--ink);transition:all .2s ease}.program-card:hover{border-color:var(--brass);transform:translateY(-2px);box-shadow:0 4px 14px rgba(11,29,51,0.08)}.program-card h3{font-family:var(--font-display);font-size:1.2rem;font-weight:600;color:var(--navy);margin:0 0 8px}.program-card p{font-size:0.93rem;color:var(--ink-soft);line-height:1.55;margin:0 0 14px}.program-card-cta{font-size:0.85rem;color:var(--brass);font-weight:600}@media (max-width:900px){.program-hero-grid{grid-template-columns:1fr;gap:32px}.program-sidebar{position:static}.check-list{grid-template-columns:1fr}.program-hero .stat-row{grid-template-columns:1fr 1fr 1fr}.sidebar-trust{flex-direction:row}}@media (max-width:600px){.program-hero .stat-row{grid-template-columns:1fr}.sidebar-trust{flex-direction:column}.facts-table th,.facts-table td{padding:10px 12px;font-size:0.9rem}.process-steps li{padding:18px 18px 18px 22px}}.learning-section .guide-card:hover{transform:translateY(-4px);box-shadow:0 12px 32px rgba(11,29,51,0.12);border-color:var(--brass)!important}.calc-shell{background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:0 4px 24px rgba(11,29,51,0.06)}.calc-tabs{display:flex;border-bottom:1px solid var(--line);background:var(--parchment)}.calc-tab{flex:1;background:none;border:none;padding:1.25rem 1rem;font-family:'Inter Tight',sans-serif;font-weight:600;font-size:1rem;color:var(--ink-muted);cursor:pointer;border-bottom:3px solid transparent;transition:all .2s}.calc-tab:hover{color:var(--navy)}.calc-tab.active{color:var(--navy);background:#fff;border-bottom-color:var(--brass)}.calc-panel{display:none;padding:2.5rem}.calc-panel.active{display:block}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem}@media (max-width:880px){.calc-grid{grid-template-columns:1fr;gap:2rem}.calc-panel{padding:1.5rem}}.calc-inputs h3,.calc-output h3{font-family:'Fraunces',serif;font-size:1.25rem;margin:0 0 1.5rem;color:var(--navy)}.calc-field{display:block;margin-bottom:1.5rem}.calc-label{display:block;font-size:.875rem;font-weight:600;color:var(--navy);margin-bottom:.5rem}.calc-input-wrap{position:relative;display:flex;align-items:center;background:var(--parchment);border:1px solid var(--line);border-radius:8px;transition:border-color .2s}.calc-input-wrap:focus-within{border-color:var(--brass)}.calc-input-wrap input,.calc-field select{flex:1;background:transparent;border:none;padding:.75rem 1rem;font-family:'Inter 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1.5rem}.calc-breakdown{margin:1.5rem 0}.calc-row{display:flex;justify-content:space-between;align-items:center;padding:.6rem 0;font-size:.95rem;color:rgba(246,241,231,0.85);border-bottom:1px solid rgba(246,241,231,0.1)}.calc-row strong{color:var(--parchment);font-weight:700;font-variant-numeric:tabular-nums}.dot{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:.65rem;vertical-align:middle}.dot-1{background:#b8893a}.dot-2{background:#5a8a9a}.dot-3{background:#8a6b9a}.dot-4{background:#c45656}.dot-5{background:#6b8a5a}.calc-bar{display:flex;height:12px;border-radius:6px;overflow:hidden;margin:1rem 0 1.5rem;background:rgba(246,241,231,0.1)}.calc-seg{height:100%;transition:width .3s}.calc-seg.seg-1{background:#b8893a}.calc-seg.seg-2{background:#5a8a9a}.calc-seg.seg-3{background:#8a6b9a}.calc-seg.seg-4{background:#c45656}.calc-seg.seg-5{background:#6b8a5a}.calc-summary{border-top:1px solid rgba(246,241,231,0.15);padding-top:1rem;font-size:.9rem}.calc-summary>div{display:flex;justify-content:space-between;padding:.4rem 0}.calc-summary-label{color:rgba(246,241,231,0.65)}.calc-summary span:last-child{color:var(--parchment);font-weight:600;font-variant-numeric:tabular-nums}.calc-note{font-size:.8rem;color:rgba(246,241,231,0.6);margin:1rem 0;line-height:1.5}.calc-cta{display:flex;flex-direction:column;gap:.5rem;margin-top:1.5rem}.calc-cta .btn{width:100%;text-align:center;justify-content:center}.amort-scroll{max-height:480px;overflow-y:auto;border:1px solid rgba(246,241,231,0.15);border-radius:8px}.amort-table{width:100%;border-collapse:collapse;font-size:.9rem}.amort-table thead th{position:sticky;top:0;background:rgba(11,29,51,0.95);color:var(--brass-bright,#d4a554);text-align:left;padding:.75rem 1rem;font-weight:600;border-bottom:1px solid rgba(246,241,231,0.15)}.amort-table td{padding:.6rem 1rem;color:rgba(246,241,231,0.9);border-bottom:1px solid rgba(246,241,231,0.08);font-variant-numeric:tabular-nums}.amort-table tr:nth-child(even) td{background:rgba(246,241,231,0.03)}.city-chips{display:flex;flex-wrap:wrap;gap:.5rem;margin:1rem 0}.city-chip{background:var(--parchment);border:1px solid var(--line);padding:.35rem .85rem;border-radius:999px;font-size:.85rem;font-weight:500;color:var(--navy)}.region-heading{font-family:'Fraunces',serif;font-size:1.5rem;color:var(--navy);margin-top:3rem;margin-bottom:1.5rem;padding-bottom:.5rem;border-bottom:2px solid var(--brass)}.county-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1rem}.county-card-link{display:block;background:#fff;border:1px solid var(--line);border-radius:10px;padding:1.25rem;text-decoration:none;color:inherit;transition:all .2s}.county-card-link:hover{border-color:var(--brass);transform:translateY(-2px);box-shadow:0 8px 24px rgba(11,29,51,0.08)}.county-card-link h3{font-family:'Fraunces',serif;font-size:1.1rem;margin:0 0 .35rem;color:var(--navy)}.county-meta{margin:0;font-size:.8rem;color:var(--ink-muted)}.insights-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:1.5rem}.insight-card{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:1.75rem;text-decoration:none;color:inherit;transition:all .2s}.insight-card:hover{border-color:var(--brass);transform:translateY(-3px);box-shadow:0 12px 32px rgba(11,29,51,0.1)}.insight-card h3{font-family:'Fraunces',serif;font-size:1.4rem;line-height:1.25;color:var(--navy);margin:.5rem 0 .75rem}.insight-card p{font-size:.95rem;color:var(--ink-muted);line-height:1.55;margin:0}.insight-meta{font-size:.8rem;color:var(--brass);font-weight:600;text-transform:uppercase;letter-spacing:.04em;margin:0 0 .5rem!important}.insight-header{background:var(--parchment);padding:3rem 0 2rem;border-bottom:1px solid var(--line)}.insight-byline{font-size:.95rem;color:var(--ink-muted);margin-top:1rem}.insight-byline a{color:var(--navy);text-decoration:none;font-weight:600}.insight-byline a:hover{color:var(--brass)}.dot-sep{margin:0 .5rem}.insight-body{padding:2.5rem 0 1rem}.insight-body h2{font-family:'Fraunces',serif;font-size:1.65rem;color:var(--navy);margin:2.5rem 0 1rem;line-height:1.25}.insight-body p{font-size:1.05rem;line-height:1.7;color:var(--ink);margin:0 0 1.25rem}.article-lede{font-size:1.2rem!important;line-height:1.6!important;color:var(--navy)!important;font-weight:500;padding:1.5rem;background:var(--parchment);border-left:4px solid var(--brass);border-radius:0 8px 8px 0;margin-bottom:2rem!important}.team-hero-grid{display:grid;grid-template-columns:200px 1fr;gap:2.5rem;align-items:center}@media (max-width:720px){.team-hero-grid{grid-template-columns:1fr}.team-avatar{margin:0 auto}}.team-avatar{width:200px;height:200px;border-radius:50%;background:linear-gradient(135deg,var(--navy),#1a3050);display:flex;align-items:center;justify-content:center;color:var(--brass);font-family:'Fraunces',serif;font-size:4rem;font-weight:600;border:4px solid var(--brass);box-shadow:0 8px 32px rgba(11,29,51,0.15)}.team-title{font-size:1.1rem;color:var(--brass);font-weight:600;margin:0 0 1rem}.team-testimonial{margin:2.5rem 0;padding:1.5rem 2rem;background:var(--parchment);border-left:4px solid var(--brass);border-radius:0 8px 8px 0;font-style:italic}.team-testimonial p{font-size:1.1rem;color:var(--navy);margin:0 0 .75rem;line-height:1.5}.team-testimonial cite{font-size:.9rem;color:var(--ink-muted);font-style:normal;font-weight:600}.team-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem}.team-card{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:2rem 1.5rem;text-align:center;text-decoration:none;color:inherit;transition:all .2s}.team-card:hover{border-color:var(--brass);transform:translateY(-3px);box-shadow:0 12px 32px rgba(11,29,51,0.1)}.team-card-avatar{width:96px;height:96px;border-radius:50%;background:linear-gradient(135deg,var(--navy),#1a3050);margin:0 auto 1rem;display:flex;align-items:center;justify-content:center;color:var(--brass);font-family:'Fraunces',serif;font-size:1.75rem;font-weight:600;border:3px solid var(--brass)}.team-card h3{font-family:'Fraunces',serif;font-size:1.25rem;margin:0 0 .25rem;color:var(--navy)}.team-card-title{font-size:.9rem;color:var(--brass);font-weight:600;margin:0 0 .75rem}.team-card-stats{font-size:.85rem;color:var(--ink-muted);margin:0 0 .5rem}.team-card-specs{font-size:.85rem;color:var(--ink);margin:0;line-height:1.5}.bullet-list{list-style:none;padding:0}.bullet-list li{padding:.5rem 0 .5rem 1.5rem;position:relative;border-bottom:1px solid var(--line)}.bullet-list li::before{content:"✓";position:absolute;left:0;color:var(--brass);font-weight:700}.home-calc{max-width:880px;margin:2rem auto 0;background:#fff;border:1px solid var(--line);border-radius:16px;padding:2rem;box-shadow:0 8px 32px rgba(11,29,51,0.08)}.home-calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem}@media (max-width:720px){.home-calc-grid{grid-template-columns:1fr}.home-calc{padding:1.5rem}}.home-calc-output{background:var(--navy);color:var(--parchment);padding:1.5rem;border-radius:12px;display:flex;flex-direction:column;justify-content:center}.hc-label{font-size:.85rem;color:rgba(246,241,231,0.7);margin:0 0 .25rem}.hc-big{font-family:'Fraunces',serif;font-size:2.5rem;font-weight:600;color:#d4a554;margin-bottom:1rem;line-height:1.1}.hc-row{display:flex;justify-content:space-between;font-size:.9rem;padding:.4rem 0;border-bottom:1px solid rgba(246,241,231,0.1);color:rgba(246,241,231,0.85)}.hc-row strong{color:var(--parchment);font-variant-numeric:tabular-nums}.centered-cta{text-align:center;margin-top:2rem}.dropdown-menu-narrow{min-width:480px;grid-template-columns:1fr 1fr}@media (max-width:880px){.dropdown-menu-narrow{grid-template-columns:1fr;min-width:auto}}:root{--ink-muted:#4b4b4b}.section-parchment{background:var(--parchment-warm)}.hero-lede{font-size:1.2rem;line-height:1.65;color:var(--ink);max-width:760px;margin:8px 0 28px}.section-lead{font-size:1.1rem;line-height:1.6;color:var(--ink-soft);max-width:720px;margin:0 0 32px}.display-h2{font-family:var(--font-display);font-size:clamp(1.8rem,3.2vw,2.5rem);line-height:1.15;color:var(--navy);font-weight:600;letter-spacing:-0.01em;margin:0 0 16px}.display-h2 em{font-style:italic;font-weight:300;color:var(--brass)}.narrow-content{max-width:820px;margin:0 auto}.narrow-content h2{font-family:var(--font-display);font-size:clamp(1.7rem,2.8vw,2.2rem);color:var(--navy);font-weight:600;margin:2rem 0 1rem;line-height:1.2}.narrow-content h3{font-family:var(--font-display);font-size:1.35rem;color:var(--navy);font-weight:600;margin:1.5rem 0 .75rem}.narrow-content p,.narrow-content li{font-size:1.02rem;line-height:1.7;color:var(--ink)}.narrow-content ul,.narrow-content ol{margin:0 0 1.25rem 1.25rem}.narrow-content li{margin-bottom:.5rem}.btn-group{display:flex;gap:16px;flex-wrap:wrap;margin:1.5rem 0}.stats-strip{background:var(--navy);color:var(--parchment);padding:32px 0}.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}@media (max-width:720px){.stats-grid{grid-template-columns:repeat(2,1fr)}}.stats-strip .stat-tile{background:transparent;border:none;padding:0;text-align:center}.stats-strip .stat-num{font-family:var(--font-display);font-size:1.9rem;font-weight:600;color:var(--brass-bright);display:block;line-height:1.1}.stats-strip .stat-label{font-size:0.75rem;text-transform:uppercase;letter-spacing:0.1em;color:rgba(246,241,231,0.7);display:block;margin-top:6px}.faq-list .faq-item{background:#fff;border:1px solid var(--line);border-radius:8px;padding:22px 24px;margin-bottom:12px}.faq-list .faq-q{font-family:var(--font-display);font-size:1.1rem;color:var(--navy-deep);font-weight:600;margin:0 0 .65rem;line-height:1.35}.faq-list .faq-a{color:var(--ink);line-height:1.65;font-size:1rem;margin:0}.breadcrumbs{font-size:0.85rem;color:var(--ink-soft);margin-bottom:16px}.breadcrumbs a{color:var(--ink-soft);text-decoration:none}.breadcrumbs a:hover{color:var(--brass)}.breadcrumbs span{color:var(--navy);font-weight:500}main{background:var(--parchment)}.program-section{background:var(--parchment)}.brand,a.brand{display:inline-flex;align-items:center;gap:0;text-decoration:none}.brand-logo{height:44px;width:auto;max-width:200px;display:block;object-fit:contain}@media (max-width:720px){.brand-logo{height:36px;max-width:160px}}.brand-footer .brand-logo{height:56px;max-width:220px;background:white;padding:8px 14px;border-radius:6px}.site-header{background:var(--white);border-bottom:1px solid var(--line);box-shadow:0 1px 0 rgba(32,48,128,0.04)}.utility-bar{background:var(--brand-blue-dark);color:var(--white)}.utility-bar a{color:rgba(255,255,255,0.85)}.utility-bar a:hover{color:var(--brand-orange-bright)}.utility-bar strong{color:var(--brand-orange-bright)}.utility-pill{color:rgba(255,255,255,0.85);background:rgba(255,255,255,0.06);padding:4px 12px;border-radius:999px;font-size:.78rem;border:1px solid rgba(255,255,255,0.12)}.main-nav a{color:var(--brand-blue);font-weight:500}.main-nav a:hover{color:var(--brand-orange)}.main-nav .dropdown-menu{background:var(--white);border:1px solid var(--line);box-shadow:0 8px 32px rgba(32,48,128,0.12);border-radius:10px;padding:18px 0}.main-nav .dropdown-menu a:hover{background:var(--bg-tint);color:var(--brand-blue)}.main-nav .dropdown-menu h4{font-family:var(--font-body);font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:0.12em;color:var(--brand-orange);padding:0 22px 6px}.nav-cta{background:var(--brand-orange)!important;color:var(--white)!important;padding:11px 22px;border-radius:8px;font-weight:600!important;box-shadow:0 2px 8px rgba(240,128,48,0.25);transition:all .2s ease}.nav-cta:hover{background:var(--brand-orange-deep)!important;color:var(--white)!important;transform:translateY(-1px);box-shadow:0 4px 16px rgba(240,128,48,0.35)}.btn{border-radius:8px;font-weight:600;padding:13px 26px;transition:all .2s ease}.btn-primary{background:var(--brand-orange);color:var(--white);border:1px solid var(--brand-orange);box-shadow:0 2px 8px rgba(240,128,48,0.22)}.btn-primary:hover{background:var(--brand-orange-deep);border-color:var(--brand-orange-deep);color:var(--white);transform:translateY(-1px);box-shadow:0 6px 20px rgba(240,128,48,0.32)}.btn-secondary{background:var(--brand-blue);color:var(--white);border:1px solid var(--brand-blue)}.btn-secondary:hover{background:var(--brand-blue-deep);border-color:var(--brand-blue-deep);color:var(--white)}.btn-outline{background:var(--white);color:var(--brand-blue);border:1px solid var(--brand-blue)}.btn-outline:hover{background:var(--brand-blue);color:var(--white)}.btn-ghost{background:transparent;color:var(--white);border:1px solid rgba(255,255,255,0.4)}.btn-ghost:hover{background:var(--white);color:var(--brand-blue);border-color:var(--white)}.hero{background:linear-gradient(135deg,#f4f7fc 0%,#ffffff 50%,var(--brand-light-blue-soft) 100%);color:var(--ink);padding:96px 0 110px;position:relative;overflow:hidden;border-bottom:1px solid var(--line)}.hero::before{content:"";position:absolute;top:-120px;right:-120px;width:480px;height:480px;background:radial-gradient(circle,rgba(240,128,48,0.10) 0%,transparent 70%);pointer-events:none}.hero::after{content:"";position:absolute;bottom:-160px;left:-120px;width:540px;height:540px;background:radial-gradient(circle,rgba(32,48,128,0.07) 0%,transparent 70%);pointer-events:none}.hero h1{color:var(--brand-blue)}.hero h1 em{color:var(--brand-orange);font-style:italic;font-weight:500}.hero .lead{color:var(--ink-soft)}.hero .eyebrow{color:var(--brand-orange)}.hero .eyebrow::before{color:var(--brand-orange)}.hero-trust{color:var(--ink-muted)}.hero-trust strong{color:var(--brand-blue);font-family:var(--font-display);font-weight:600}.rate-card{background:var(--white);color:var(--ink);border-radius:14px;box-shadow:0 16px 48px rgba(32,48,128,0.15);border:1px solid var(--line)}.rate-card::before{background:linear-gradient(90deg,var(--brand-orange),var(--brand-orange-bright),var(--brand-orange));border-radius:14px 14px 0 0}.cta-banner{background:linear-gradient(135deg,var(--brand-blue-dark) 0%,var(--brand-blue) 100%);color:var(--white);padding:80px 0;position:relative;overflow:hidden}.cta-banner::before{content:"";position:absolute;top:-100px;right:-100px;width:400px;height:400px;background:radial-gradient(circle,rgba(240,128,48,0.20) 0%,transparent 70%);pointer-events:none}.cta-banner h2{color:var(--white)}.cta-banner h2 em{color:var(--brand-orange-bright);font-style:italic;font-weight:500}.cta-banner p{color:rgba(255,255,255,0.85)}.site-footer{background:var(--brand-blue-dark);color:rgba(255,255,255,0.75);padding:56px 0 24px}.site-footer h4{color:var(--brand-orange-bright);font-family:var(--font-body);font-size:.85rem;font-weight:700;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:1rem}.site-footer a{color:rgba(255,255,255,0.75);display:block;padding:4px 0;font-size:.92rem;transition:color .2s}.site-footer a:hover{color:var(--brand-orange-bright)}.site-footer p{color:rgba(255,255,255,0.7);font-size:.9rem;line-height:1.6}.site-footer strong{color:var(--white);font-weight:600}.footer-bottom{margin-top:36px;padding-top:24px;border-top:1px solid rgba(255,255,255,0.1)}.footer-bottom p{font-size:.8rem;color:rgba(255,255,255,0.55);line-height:1.5}.program-hero{background:linear-gradient(135deg,#f4f7fc 0%,#ffffff 100%);border-bottom:1px solid var(--line)}.program-hero h1{color:var(--brand-blue)}.program-hero .display-h1{color:var(--brand-blue)}.program-hero .hero-lede{color:var(--ink-soft);font-size:1.18rem;line-height:1.65}.eyebrow{color:var(--brand-orange)}.section-parchment{background:var(--bg-soft)}h1,h2,h3,h4,h5{color:var(--brand-blue)}.display-h1,.display-h2{color:var(--brand-blue)}h2 em,.display-h2 em{color:var(--brand-orange);font-style:italic}.stats-strip{background:var(--bg-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.stat-tile .stat-num{color:var(--brand-blue);font-family:var(--font-display);font-weight:600}.stat-tile .stat-label{color:var(--ink-muted)}.program-card{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:1.75rem;text-decoration:none;display:block;transition:all .2s ease}.program-card:hover{border-color:var(--brand-orange);transform:translateY(-3px);box-shadow:0 12px 32px rgba(32,48,128,0.1)}.program-card h3{color:var(--brand-blue);font-family:var(--font-display)}.program-card .arrow{color:var(--brand-orange);font-weight:600;font-size:.9rem}.faq-item{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:1.25rem 1.5rem;margin-bottom:.75rem}.faq-q{color:var(--brand-blue);font-family:var(--font-display);font-size:1.1rem;margin-bottom:.5rem}.faq-a{color:var(--ink-soft);margin:0}.facts-table{width:100%;border-collapse:collapse;background:var(--white);border:1px solid var(--line);border-radius:8px;overflow:hidden}.facts-table th,.facts-table td{padding:.8rem 1.1rem;text-align:left;border-bottom:1px solid var(--line-soft)}.facts-table th{background:var(--bg-soft);color:var(--brand-blue);font-weight:600;width:50%}.facts-table tr:last-child th,.facts-table tr:last-child td{border-bottom:none}.breadcrumbs{font-size:.85rem;color:var(--ink-muted);margin-bottom:1rem}.breadcrumbs a{color:var(--ink-muted);text-decoration:none}.breadcrumbs a:hover{color:var(--brand-orange)}.breadcrumbs span{color:var(--brand-blue);font-weight:600}.calc-output{background:linear-gradient(135deg,var(--brand-blue-dark) 0%,var(--brand-blue) 100%);border-radius:12px}.calc-big-number{color:var(--brand-orange-bright)}.dot-1{background:var(--brand-orange)}.dot-2{background:var(--brand-light-blue)}.dot-3{background:#8aa8d0}.dot-4{background:#d96a1f}.dot-5{background:#6a82c0}.calc-seg.seg-1{background:var(--brand-orange)}.calc-seg.seg-2{background:var(--brand-light-blue)}.calc-seg.seg-3{background:#8aa8d0}.calc-seg.seg-4{background:#d96a1f}.calc-seg.seg-5{background:#6a82c0}.calc-tab.active{color:var(--brand-blue);border-bottom-color:var(--brand-orange)}.calc-tabs{background:var(--bg-soft)}.calc-input-wrap{background:var(--bg-soft);border:1px solid var(--line)}.calc-input-wrap:focus-within{border-color:var(--brand-orange)}.calc-input-wrap input,.calc-field select{color:var(--brand-blue)}.amort-table thead th{background:var(--brand-blue-dark);color:var(--brand-orange-bright)}.home-calc-output{background:linear-gradient(135deg,var(--brand-blue-dark) 0%,var(--brand-blue) 100%)}.hc-big{color:var(--brand-orange-bright)}.team-avatar,.team-card-avatar{background:linear-gradient(135deg,var(--brand-blue),var(--brand-blue-deep));color:var(--brand-orange-bright);border:4px solid var(--brand-orange)}.team-card-avatar{border-width:3px}.team-card-title{color:var(--brand-orange)}.team-title{color:var(--brand-orange)}.team-testimonial{border-left-color:var(--brand-orange)}.team-testimonial p{color:var(--brand-blue)}.insight-card{background:var(--white);border:1px solid var(--line)}.insight-card:hover{border-color:var(--brand-orange)}.insight-card h3{color:var(--brand-blue)}.insight-meta{color:var(--brand-orange)!important}.insight-header{background:var(--bg-soft)}.insight-byline a{color:var(--brand-blue)}.insight-byline a:hover{color:var(--brand-orange)}.article-lede{background:var(--bg-soft)!important;border-left-color:var(--brand-orange)!important;color:var(--brand-blue)!important}.county-card-link{background:var(--white);border:1px solid var(--line)}.county-card-link:hover{border-color:var(--brand-orange);box-shadow:0 8px 24px rgba(32,48,128,0.08)}.county-card-link h3{color:var(--brand-blue)}.region-heading{color:var(--brand-blue);border-bottom-color:var(--brand-orange)}.city-chip{background:var(--bg-soft);border:1px solid var(--line);color:var(--brand-blue)}.bullet-list li::before{color:var(--brand-orange)}.section-parchment,[style*="background:var(--parchment)"]{background:var(--bg-soft)!important}.program-section[style*="parchment"]{background:var(--bg-soft)!important}.main-nav .nav-list{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:1.6rem}.main-nav .nav-list>li{margin:0;padding:0}.main-nav .dropdown>a::after{content:none}.main-nav .dropdown{position:relative}.main-nav .dropdown-menu{position:absolute;top:calc(100% + 10px);left:0;display:grid;grid-template-columns:repeat(3,1fr);min-width:720px;padding:24px;gap:24px;opacity:0;visibility:hidden;transform:translateY(-8px);transition:all .2s ease;z-index:999}.dropdown-menu-narrow{grid-template-columns:repeat(2,1fr);min-width:460px}.main-nav .dropdown:hover .dropdown-menu,.main-nav .dropdown:focus-within .dropdown-menu{opacity:1;visibility:visible;transform:translateY(0)}.dd-col h4{font-family:var(--font-body);font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:0.12em;color:var(--brand-orange);margin-bottom:8px;padding:0}.dd-col a{display:block;padding:5px 0;font-size:.9rem;color:var(--brand-blue);font-weight:400}.dd-col a:hover{color:var(--brand-orange)}.site-header .container,.site-header .header-inner{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;gap:24px}.main-nav{display:flex;align-items:center;gap:1.5rem}@media (max-width:1100px){.main-nav .nav-list{gap:1.1rem}.main-nav a{font-size:.88rem}}@media (max-width:920px){.menu-toggle{display:block;background:transparent;border:1px solid var(--brand-blue);color:var(--brand-blue);padding:8px 12px;border-radius:6px;cursor:pointer;font-size:1.2rem}.main-nav .nav-list{display:none}.nav-cta{display:none}}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}@media (max-width:880px){.footer-grid{grid-template-columns:1fr 1fr;gap:32px}}@media (max-width:520px){.footer-grid{grid-template-columns:1fr}}.footer-about{display:flex;flex-direction:column;gap:8px}.footer-col{display:flex;flex-direction:column}.section{padding:80px 0}.section-head{text-align:center;max-width:720px;margin:0 auto 3rem}.section-head .eyebrow{display:inline-block;margin-bottom:.5rem}.section-head h2,.section-head .display-h2{font-family:var(--font-display);font-size:clamp(1.9rem,3.6vw,2.6rem);color:var(--brand-blue);margin-bottom:.75rem}.section-lead{font-size:1.1rem;color:var(--ink-soft);line-height:1.65}.narrow-content{max-width:760px;margin:0 auto}.program-section{padding:70px 0}.programs-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem}.stats-strip{padding:28px 0}.stats-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:24px;text-align:center}.stat-tile{display:flex;flex-direction:column;gap:4px}.stat-tile .stat-num{font-size:1.6rem;line-height:1.1}.stat-tile .stat-label{font-size:.8rem;text-transform:uppercase;letter-spacing:.06em}.cta-banner h2{font-family:var(--font-display);font-size:clamp(1.8rem,4vw,2.6rem);text-align:center;margin-bottom:1rem}.cta-banner p{text-align:center;max-width:620px;margin:0 auto 2rem;font-size:1.1rem}.cta-banner .btn-group{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}.btn-group{display:flex;gap:12px;flex-wrap:wrap}.display-h1{font-family:var(--font-display);font-size:clamp(2.2rem,4.6vw,3.6rem);font-weight:500;line-height:1.1;letter-spacing:-0.015em;color:var(--brand-blue);margin-bottom:1.5rem}.hero-lede{font-size:1.18rem;line-height:1.65;color:var(--ink-soft);margin-bottom:2rem;max-width:760px}.quick-answer{padding:2.5rem 0;background:var(--bg-soft);border-bottom:1px solid var(--line)}.answer-box{background:var(--white);border-left:5px solid var(--brand-orange);border-radius:0 12px 12px 0;padding:1.5rem 2rem;box-shadow:0 4px 16px rgba(32,48,128,0.05)}.answer-tag{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:0.12em;color:var(--brand-orange);margin-bottom:.5rem}.answer-text{font-size:1.08rem;line-height:1.65;color:var(--ink);margin:0}.answer-text strong{color:var(--brand-blue)}.qa-section{background:var(--white)}.qa-section h2{font-family:var(--font-display);font-size:clamp(1.6rem,3vw,2.2rem);color:var(--brand-blue);margin-bottom:1.5rem}.qa-section h3{font-family:var(--font-display);font-size:1.2rem;color:var(--brand-blue);margin:1.75rem 0 .5rem;line-height:1.3}.qa-section p{font-size:1rem;line-height:1.7;color:var(--ink-soft);margin:0 0 1rem}.scenario-section{background:var(--bg-soft)}.scenario-box{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:1.75rem 2rem;box-shadow:0 2px 12px rgba(32,48,128,0.04)}.scenario-box p{margin:0 0 .85rem;color:var(--ink-soft);line-height:1.65}.scenario-box p strong{color:var(--brand-blue)}.scenario-box ul{list-style:none;padding:0;margin:0 0 1rem;background:var(--bg-soft);border-radius:8px;padding:1rem 1.25rem}.scenario-box ul li{padding:.35rem 0;color:var(--ink);border-bottom:1px solid var(--line-soft);font-size:.95rem}.scenario-box ul li:last-child{border-bottom:none}.scenario-box ul li strong{color:var(--brand-blue)}.definitions-section{background:var(--white);padding:60px 0}.definitions-section h2{font-family:var(--font-display);font-size:clamp(1.6rem,3vw,2.2rem);color:var(--brand-blue);margin-bottom:1.5rem}.defs-list{display:grid;gap:1.25rem}.defs-list dt{font-family:var(--font-display);font-size:1.1rem;font-weight:600;color:var(--brand-blue);margin-bottom:.25rem}.defs-list dd{margin:0 0 0 0;padding-left:1rem;border-left:3px solid var(--brand-orange);color:var(--ink-soft);line-height:1.65;font-size:.98rem}.scenarios-grid{display:grid;grid-template-columns:1fr;gap:1.5rem}@media (min-width:880px){.scenarios-grid{grid-template-columns:1fr 1fr}}.scenario-card{background:#fff;border:1px solid var(--line);border-left:4px solid var(--brand-orange);border-radius:10px;padding:1.75rem}.scenario-card h3{font-family:var(--font-display);color:var(--brand-blue);font-size:1.2rem;margin:0 0 1rem;line-height:1.3}.scenario-buyer{background:var(--bg-soft);padding:0.9rem 1.1rem;border-radius:6px;margin:0 0 1rem;font-size:0.95rem;line-height:1.5}.scenario-details{list-style:none;padding:0;margin:0 0 1rem}.scenario-details li{padding:0.5rem 0;border-bottom:1px solid var(--line-soft);font-size:0.92rem;line-height:1.55}.scenario-details li:last-child{border-bottom:none}.scenario-details strong{color:var(--brand-blue)}.scenario-outcome{background:rgba(240,128,48,0.08);padding:0.9rem 1.1rem;border-radius:6px;margin:0;font-size:0.95rem;line-height:1.55}.scenario-outcome strong{color:var(--brand-orange-deep)}dfn{font-style:normal;border-bottom:1px dotted var(--brand-orange);cursor:help;position:relative;transition:color .15s ease}dfn:hover,dfn:focus{color:var(--brand-orange-deep);border-bottom-color:var(--brand-orange-deep)}.glossary-toc{background:var(--bg-soft);padding:1.75rem 2rem;border-radius:12px;margin:2rem 0 3rem;border-left:4px solid var(--brand-orange)}.glossary-toc h2{font-family:var(--font-display);font-size:1.3rem;margin:0 0 1rem;color:var(--brand-blue)}.glossary-toc-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,1fr);gap:0.4rem 1.5rem}@media (max-width:720px){.glossary-toc-list{grid-template-columns:1fr}}.glossary-toc-list a{color:var(--brand-blue);text-decoration:none;font-weight:500;font-size:0.95rem;padding:0.25rem 0;display:block;border-bottom:1px solid var(--line-soft);transition:color 0.15s}.glossary-toc-list a:hover{color:var(--brand-orange)}.glossary-section{margin:2.5rem 0;padding-top:1.5rem;border-top:2px solid var(--brand-orange)}.glossary-section h2{font-family:var(--font-display);font-size:1.85rem;color:var(--brand-blue);margin:0 0 1.5rem}.glossary-terms{display:flex;flex-direction:column;gap:1.25rem}.glossary-term{background:#fff;border:1px solid var(--line);border-radius:8px;padding:1.25rem 1.5rem;scroll-margin-top:100px}.glossary-term h3{font-family:var(--font-display);font-size:1.1rem;color:var(--brand-blue);margin:0 0 0.5rem;line-height:1.3}.glossary-term p{font-size:0.95rem;line-height:1.65;color:var(--ink-soft);margin:0}.testimonials-section{background:linear-gradient(180deg,var(--bg-soft) 0%,#ffffff 100%)}.testimonials-grid{display:grid;grid-template-columns:1fr;gap:1.5rem}@media (min-width:768px){.testimonials-grid{grid-template-columns:1fr 1fr}}@media (min-width:1100px){.testimonials-grid{grid-template-columns:1fr 1fr}}.testimonial-card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--brand-orange);border-radius:12px;padding:1.75rem;display:flex;flex-direction:column;gap:0.85rem;transition:box-shadow .2s ease,transform .2s ease}.testimonial-card:hover{box-shadow:0 10px 30px rgba(32,48,128,0.08);transform:translateY(-2px)}.testimonial-head{display:flex;align-items:center;gap:1rem}.testimonial-avatar{width:60px;height:60px;flex-shrink:0}.testimonial-rating{color:var(--brand-orange);font-size:1rem;letter-spacing:2px;margin:0;line-height:1}.testimonial-name{font-weight:600;color:var(--brand-blue);margin:0.3rem 0 0;font-size:0.95rem}.testimonial-loc{color:var(--ink-muted);font-weight:400;font-size:0.88rem}.testimonial-meta{font-size:0.8rem;color:var(--ink-muted);margin:0.25rem 0 0;text-transform:uppercase;letter-spacing:0.5px}.testimonial-headline{font-family:var(--font-display);color:var(--brand-blue);font-size:1.1rem;line-height:1.35;margin:0}.testimonial-quote{font-size:0.97rem;line-height:1.6;color:var(--ink);margin:0;padding:0;border:none;font-style:italic;position:relative}.testimonial-quote::before{content:"“";position:absolute;font-family:var(--font-display);font-size:3rem;color:var(--brand-orange);opacity:0.25;top:-12px;left:-8px;line-height:1}.beat-quote-grid{display:grid;grid-template-columns:1fr;gap:2rem}@media (min-width:980px){.beat-quote-grid{grid-template-columns:1.8fr 1fr}}.beat-quote-form{background:#fff;border:1px solid var(--line);border-radius:12px;padding:2rem}.beat-quote-form h2{font-family:var(--font-display);color:var(--brand-blue);margin:0 0 1.5rem}.quote-match-form fieldset{border:none;border-top:1px solid var(--line);padding:1.5rem 0;margin:0}.quote-match-form fieldset:first-of-type{border-top:none;padding-top:0}.quote-match-form legend{font-family:var(--font-display);color:var(--brand-orange);font-size:0.85rem;font-weight:600;text-transform:uppercase;letter-spacing:1px;padding:0 0 1rem}.quote-match-form label{display:block;font-size:0.85rem;font-weight:600;color:var(--ink);margin-bottom:1rem;position:relative}.quote-match-form input,.quote-match-form select{display:block;width:100%;margin-top:0.4rem;padding:0.7rem 0.85rem;font-family:var(--font-body);font-size:0.95rem;font-weight:400;border:1px solid var(--line);border-radius:6px;background:#fff;color:var(--ink)}.quote-match-form input:focus,.quote-match-form select:focus{outline:none;border-color:var(--brand-blue);box-shadow:0 0 0 3px rgba(32,48,128,0.12)}.form-row{display:grid;grid-template-columns:1fr;gap:1rem}@media (min-width:600px){.form-row{grid-template-columns:1fr 1fr}}.input-suffix{position:absolute;right:12px;top:41px;color:var(--ink-muted);font-weight:400;font-size:0.85rem}.upload-label input[type="file"]{border:1px dashed var(--line);padding:0.85rem;background:var(--bg-soft)}.upload-help{display:block;font-size:0.78rem;color:var(--ink-muted);margin-top:0.4rem;font-weight:400}.checkbox-row{display:flex!important;align-items:flex-start;gap:0.7rem;font-weight:400!important;font-size:0.85rem!important;line-height:1.5}.checkbox-row input[type="checkbox"]{width:auto!important;margin-top:0.2rem}.btn-block{display:block;width:100%;text-align:center;margin-top:1rem}.form-disclaimer{font-size:0.78rem;color:var(--ink-muted);margin-top:0.85rem;line-height:1.5}.beat-quote-sidebar{display:flex;flex-direction:column;gap:1.25rem}.sidebar-card{background:#fff;border:1px solid var(--line);border-left:4px solid var(--brand-orange);border-radius:10px;padding:1.5rem}.sidebar-card h3{font-family:var(--font-display);color:var(--brand-blue);font-size:1.05rem;margin:0 0 0.85rem}.sidebar-card p{font-size:0.9rem;line-height:1.55;color:var(--ink);margin:0 0 0.85rem}.sidebar-stats{background:var(--brand-blue);border-left-color:var(--brand-orange);color:#fff}.sidebar-stats h3{color:#fff}.stat-list{margin:0;display:grid;grid-template-columns:1fr auto;gap:0.5rem 1rem;align-items:baseline}.stat-list dt{font-size:0.85rem;color:rgba(255,255,255,0.85)}.stat-list dd{font-family:var(--font-display);font-weight:600;font-size:1.15rem;color:var(--brand-orange);margin:0}.sidebar-fine{color:rgba(255,255,255,0.7)!important;font-size:0.75rem!important;margin-top:0.85rem!important;font-style:italic}.sidebar-cta{background:var(--bg-soft)}dfn[tabindex]{outline:none}dfn[tabindex]:focus-visible{outline:2px solid var(--brand-orange);outline-offset:2px;border-radius:2px}.dfn-tooltip{position:absolute;z-index:9999;background:var(--brand-blue);color:#ffffff;font-family:var(--font-body);font-size:0.85rem;font-weight:400;line-height:1.5;padding:0.7rem 0.95rem;border-radius:8px;box-shadow:0 8px 24px rgba(32,48,128,0.25);max-width:320px;pointer-events:none;animation:dfn-fade-in 0.15s ease-out}.dfn-tooltip::after{content:"";position:absolute;bottom:-6px;left:50%;transform:translateX(-50%) rotate(45deg);width:12px;height:12px;background:var(--brand-blue)}.dfn-tooltip.tooltip-below::after{bottom:auto;top:-6px}@keyframes dfn-fade-in{from{opacity:0;transform:translateY(4px)}to{opacity:1;transform:translateY(0)}}@media (max-width:480px){.dfn-tooltip{max-width:calc(100vw - 32px)}}.rate-tile-details>summary{list-style:none}.rate-tile-details>summary::-webkit-details-marker{display:none}.rate-tile-details>summary::marker{display:none}.rate-tile-details>summary:hover{text-decoration:underline}.rate-tile-details[open]>summary{margin-bottom:.25rem}.rate-tile-details>summary .rt-arrow::before{content:'\25B8';font-size:.85em}.rate-tile-details[open]>summary .rt-arrow::before{content:'\25BE'}