/* Layout: community-bank look. Utility bar, white header with seal and nav, navy hero with photo, overlapping quick-links card, rate-style price cards, trust row, navy footer with fine print. Single light theme by design. */
:root{--navy:#0E2A47;--navy-dk:#081A2E;--gold:#B8893B;--gold-lt:#F4EAD6;--bg:#FFFFFF;--soft:#F2F5F8;--ink:#14212F;--muted:#55636F;--line:#DCE3EA;
--serif:"Source Serif 4",Georgia,serif;--sans:"Source Sans 3","Segoe UI",Arial,sans-serif;color-scheme:light}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);font:400 17px/1.6 var(--sans)}
img{display:block;max-width:100%;object-fit:cover;background:var(--soft)}
.w{max-width:1180px;margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
.sample{background:#FFF4C2;color:#3D3300;font-size:.85rem;text-align:center;padding-block:8px}
.sample a{color:inherit;font-weight:700}
h1,h2,h3{font-family:var(--serif);font-weight:600;margin:0;line-height:1.12;text-wrap:balance;color:var(--navy)}
p{margin:0}
a{color:var(--navy)}
a:focus-visible,button:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.util{background:var(--navy-dk);color:#C9D4E0;font-size:.84rem}
.util .w{display:flex;justify-content:space-between;gap:12px;padding-block:8px;flex-wrap:wrap}
.util a{color:#E6ECF2;text-decoration:none;margin-left:18px}
.util a:first-child{margin-left:0}
.hdr{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.hdr .w{display:flex;align-items:center;gap:28px;min-height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.seal{width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-family:var(--serif);font-weight:700;font-size:1.05rem;box-shadow:inset 0 0 0 2px var(--navy),inset 0 0 0 3.5px var(--gold)}
.brand b{display:block;font-family:var(--serif);font-size:1.3rem;color:var(--navy);line-height:1}
.brand small{display:block;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin-top:4px}
.nav{display:flex;gap:2px;margin-left:auto}
.nav a{text-decoration:none;font-weight:600;color:var(--ink);padding:10px 12px;border-bottom:3px solid transparent}
.nav a:hover,.nav a[aria-current]{color:var(--navy);border-bottom-color:var(--gold)}
.upload{background:var(--navy);color:#fff;text-decoration:none;font-weight:600;padding:11px 18px;border-radius:6px;white-space:nowrap}
.upload:hover{background:var(--navy-dk)}
.btns{display:flex;flex-wrap:wrap;gap:12px}
.btn{display:inline-block;text-decoration:none;font-weight:600;padding:14px 24px;border-radius:6px}
.bg{background:var(--gold);color:#fff}.bg:hover{background:#9E7430}
.bo{border:1.5px solid #fff;color:#fff}.bo:hover{background:rgba(255,255,255,.1)}
.bn{background:var(--navy);color:#fff}
.bl{border:1.5px solid var(--navy);color:var(--navy)}
.hero{background:var(--navy);color:#fff;overflow:hidden;position:relative}
.hero .w{display:grid;grid-template-columns:1.05fr .95fr;gap:0;align-items:stretch;min-height:440px}
.hero .copy{display:flex;flex-direction:column;justify-content:center;gap:20px;padding-block:64px 104px;padding-right:48px;min-width:0}
.eyebrow{font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--gold)}
.hero h1{color:#fff;font-size:clamp(2.3rem,4.6vw,3.6rem)}
.hero p{color:#C9D6E3;font-size:1.12rem;max-width:48ch}
.hero .pic img{position:absolute;top:0;bottom:0;right:0;width:46%;height:100%;border-top-left-radius:120px}
.hero.sub .w{grid-template-columns:1fr;min-height:0}
.hero.sub .copy{padding-block:56px;padding-right:0}
.crumbs{font-size:.85rem;color:#AFC0D1}
.crumbs a{color:#DCE5EE}
.quick{position:relative;z-index:2;margin-top:-64px}
.quick .box{background:#fff;border-radius:12px;box-shadow:0 20px 50px -20px rgba(8,26,46,.35);display:grid;grid-template-columns:repeat(4,minmax(0,1fr));overflow:hidden;border:1px solid var(--line)}
.quick a{display:flex;flex-direction:column;gap:10px;padding:26px 24px;text-decoration:none;color:var(--ink);border-right:1px solid var(--line)}
.quick a:last-child{border-right:0}
.quick a:hover{background:var(--soft)}
.quick svg,.trust svg{width:30px;height:30px;color:var(--gold)}
.quick b{font-family:var(--serif);font-size:1.15rem;color:var(--navy)}
.quick span{font-size:.92rem;color:var(--muted)}
section{padding-block:80px}
.soft{background:var(--soft)}
.head{display:flex;flex-direction:column;gap:10px;margin-bottom:36px;max-width:640px}
.head h2{font-size:clamp(1.9rem,3.6vw,2.6rem)}
.head p{color:var(--muted)}
.rates{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.rate{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px;display:flex;flex-direction:column;gap:10px;border-top:4px solid var(--navy)}
.rate.feature{border-top-color:var(--gold)}
.rate h3{font-size:1.25rem}
.rate .amt{font-family:var(--serif);font-size:2.7rem;font-weight:600;color:var(--navy);line-height:1;font-variant-numeric:tabular-nums}
.rate .amt small{font-family:var(--sans);font-size:.95rem;color:var(--muted);font-weight:400}
.rate .fp{font-size:.85rem;color:var(--muted)}
.rate a{margin-top:auto;font-weight:600;text-decoration:none;color:var(--navy)}
.rate a:hover{text-decoration:underline}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split img{width:100%;aspect-ratio:4/3;border-radius:12px}
.copyblock{display:flex;flex-direction:column;gap:16px;min-width:0}
.copyblock h2{font-size:clamp(1.8rem,3.4vw,2.4rem)}
.copyblock p{color:var(--muted)}
.ticks{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px}
.ticks li{display:flex;gap:12px}
.ticks li::before{content:"";flex:none;width:20px;height:20px;margin-top:3px;border-radius:50%;background:var(--gold-lt) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-7' fill='none' stroke='%23B8893B' stroke-width='2'/%3E%3C/svg%3E") center/14px no-repeat}
.trust .w{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:24px}
.trust div{display:flex;gap:14px;align-items:flex-start}
.trust b{display:block;color:var(--navy)}
.trust span{color:var(--muted);font-size:.93rem}
.dates{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.date{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px;display:flex;flex-direction:column;gap:6px}
.date .m{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--gold)}
.date .d{font-family:var(--serif);font-size:2.2rem;color:var(--navy);line-height:1}
.date p{font-size:.93rem;color:var(--muted)}
.cal{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.cal th{background:var(--navy);color:#fff;text-align:left;font-weight:600;padding:14px 18px;font-size:.9rem}
.cal td{padding:16px 18px;border-top:1px solid var(--line);vertical-align:top}
.cal td:first-child{font-family:var(--serif);font-weight:600;color:var(--navy);white-space:nowrap}
.cal td:last-child{color:var(--muted);white-space:nowrap}
.cal tr:nth-child(even) td{background:var(--soft)}
.tw{overflow-x:auto}
.band{background:var(--navy);color:#fff}
.band .w{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;padding-block:48px}
.band h2{color:#fff;font-size:clamp(1.6rem,3vw,2.2rem)}
.band p{color:#C9D6E3}
details{border-bottom:1px solid var(--line)}
summary{cursor:pointer;font-weight:600;padding-block:18px;color:var(--navy)}
details p{color:var(--muted);padding-bottom:18px}
.faq{border-top:1px solid var(--line)}
form{background:#fff;border:1px solid var(--line);border-radius:12px;padding:30px;display:flex;flex-direction:column;gap:14px;box-shadow:0 10px 30px -18px rgba(8,26,46,.3)}
label{font-weight:600;font-size:.93rem;display:flex;flex-direction:column;gap:6px}
input,select,textarea{font:inherit;padding:12px;border:1px solid var(--line);border-radius:6px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);outline-offset:0;border-color:var(--gold)}
button{font:inherit;font-weight:600;background:var(--navy);color:#fff;border:0;border-radius:6px;padding:14px;cursor:pointer}
.note{font-size:.88rem;color:var(--muted)}
footer{background:var(--navy-dk);color:#AFC0D1;font-size:.92rem;padding-block:56px 28px}
.fcols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.fcols h4{margin:0 0 12px;color:#fff;font-family:var(--serif);font-weight:600;font-size:1.05rem}
.fcols a{display:block;color:#AFC0D1;text-decoration:none;padding-block:3px}
.fcols a:hover{color:#fff}
.fine{border-top:1px solid #1F3854;margin-top:36px;padding-top:20px;font-size:.82rem;color:#8396AA;display:flex;flex-direction:column;gap:6px}
.fine a{color:#AFC0D1}
@media(max-width:960px){.nav{display:none}.quick .box,.dates,.trust .w{grid-template-columns:1fr 1fr}.quick a:nth-child(2){border-right:0}.quick a:nth-child(-n+2){border-bottom:1px solid var(--line)}}
@media(max-width:760px){
  .hero .w{grid-template-columns:1fr}
  .hero .pic{position:relative;height:240px;margin-inline:calc(-1 * max(16px,env(safe-area-inset-left,0px)))}
  .hero .pic img{border-top-left-radius:0;width:100%;left:0}
  .hero .copy{padding-block:44px 32px;padding-right:0}
  .quick{margin-top:24px}
  .rates,.split,.fcols{grid-template-columns:1fr}
  .util .w>span:first-child{display:none}
  section{padding-block:60px}
}
@media(max-width:480px){.quick .box,.dates,.trust .w{grid-template-columns:1fr}.quick a{border-right:0;border-bottom:1px solid var(--line)}.upload{padding:10px 12px;font-size:.9rem}.brand small{display:none}}