:root{--blue:#005b78;--deep:#003d52;--ink:#16252a;--gray:#f1f4f5;--muted:#53666e;--line:#dbe3e6;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;color:var(--ink);font-family:'DM Sans',Arial,sans-serif;font-size:16px;line-height:1.65;background:#eef1f2}a{color:inherit;text-decoration:none}button,input{font:inherit}button,a,input{touch-action:manipulation}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #2787a6;outline-offset:5px}a:hover{text-decoration:none}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:Manrope,Arial,sans-serif;font-weight:500;line-height:1.12;letter-spacing:-.045em}h1{font-size:clamp(3rem,6.2vw,6.25rem);margin-bottom:28px}h2{font-size:clamp(2rem,3.7vw,3.7rem);margin-bottom:24px}h3{font-size:1.65rem;letter-spacing:-.025em}p{color:var(--muted);max-width:65ch}em{font-style:normal;color:var(--blue)}.topline{background:var(--deep);color:#fff;display:flex;justify-content:space-between;padding:9px 5%;font-size:.75rem;letter-spacing:.13em}.topline a:hover{color:#a7d9e8}header{height:100px;padding:20px 5%;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--line);background:#f1f3f4;position:sticky;top:0;z-index:20}.brand{font-size:1.75rem;font-weight:800;letter-spacing:.06em;line-height:1.12;display:inline-block;color:var(--deep)}.brand span{display:block;font-size:.76rem;font-weight:500;letter-spacing:.36em;margin-top:6px}nav{display:flex;gap:25px;align-items:center}nav a{font-size:.875rem;font-weight:600;text-transform:uppercase;letter-spacing:.035em}nav a:hover,nav a[aria-current]{color:var(--blue)}.nav-cta{border:1px solid var(--blue);padding:10px 20px}.nav-cta:hover{background:var(--blue);color:white}.identity{padding:12px 5%;font-size:.8rem;display:flex;justify-content:space-between;background:var(--gray);color:var(--deep)}.identity span{color:#455b64}.menu{display:none}.skip{position:fixed;top:-100px;left:16px;background:white;padding:12px;z-index:100}.skip:focus{top:10px}.hero{position:relative;display:grid;grid-template-columns:1.18fr .82fr;min-height:610px;overflow:hidden;background:linear-gradient(115deg,#eef1f2 40%,#dce6e9)}.hero:before{content:'';position:absolute;inset:-50%;background:radial-gradient(ellipse at 80% 60%,#7ab1c12b,transparent 42%),radial-gradient(ellipse at 50% 100%,#005b781a,transparent 30%);animation:coastal 20s ease-in-out infinite alternate;pointer-events:none}@keyframes coastal{to{transform:translate(5%,4%) rotate(12deg)}}.hero-copy{padding:82px 7% 72px 9.5%;position:relative;z-index:1}.eyebrow{display:block;color:var(--blue);font-size:.75rem;letter-spacing:.16em;font-weight:700;margin-bottom:24px}.hero h1{max-width:650px}.hero-copy p{font-size:1.1rem;line-height:1.7;max-width:470px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}.button{display:inline-flex;justify-content:center;align-items:center;background:var(--blue);border:1px solid var(--blue);color:white;padding:15px 25px;font-weight:600;font-size:.9rem;transition:background .2s,transform .2s,box-shadow .2s}.button:hover{background:var(--deep);transform:translateY(-2px);box-shadow:0 8px 20px #003d5220}.button.secondary{background:transparent;color:var(--blue)}.button.secondary:hover{background:#fff}.hero-note{display:block;margin-top:30px;font-size:.85rem;color:var(--muted)}.hero-portrait{position:relative;width:100%;max-width:430px;margin:62px auto;background:#d6e2e5;min-height:470px;overflow:hidden;border-radius:2px}.hero-portrait img{width:100%;height:100%;object-fit:cover;object-position:center 25%;position:absolute}.portrait-label{position:absolute;z-index:2;bottom:0;left:0;right:0;background:linear-gradient(transparent,#002432ed);padding:70px 28px 18px;color:white}.portrait-label span{font-size:.68rem;letter-spacing:.17em;display:block;line-height:1.25;margin-bottom:3px}.portrait-label strong{font-size:2rem;display:block;font-weight:500;line-height:1.15;margin-bottom:2px}.portrait-label small{display:block;font-size:.85rem;color:#d6e6ec;line-height:1.3}.value-strip{display:grid;grid-template-columns:repeat(3,1fr);padding:35px 5%;border-bottom:1px solid var(--line)}.value-strip>div{padding-left:28px;border-left:1px solid var(--line)}.value-strip strong{display:block;font-family:Manrope,sans-serif;font-size:2.1rem;color:var(--deep);font-weight:500}.value-strip span{font-size:.9rem;color:var(--muted)}.fine{font-size:.8rem;line-height:1.7}.strip-note{margin:15px 5% 0;max-width:none}.section{padding:90px 5%;max-width:1500px;margin:auto}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:50px;margin-bottom:35px}.section-heading p{max-width:360px}.loan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.loan-card{padding:32px;border:1px solid var(--line);display:flex;flex-direction:column;min-height:275px;transition:border .2s,background .2s,transform .2s}.loan-card:hover{border-color:var(--blue);background:#eef5f7;transform:translateY(-4px)}.number{font-size:.8rem;color:var(--blue);margin-bottom:28px}.loan-card h3{margin-bottom:15px}.loan-card p{margin-bottom:24px}.text-link{font-size:.9rem;font-weight:600;color:var(--blue);text-decoration:underline;text-underline-offset:6px;background:none;border:none;cursor:pointer;padding:0;line-height:1.8}.text-link:hover{color:var(--deep);text-decoration-thickness:2px}.loan-card .text-link{margin-top:auto}.broker-section{display:grid;grid-template-columns:1fr 1fr;gap:8%;padding:85px 5%;background:var(--deep);color:white}.broker-section .eyebrow{color:#a1d0df}.broker-section p{color:#d4e0e5}.broker-section .text-link{color:white}.large{font-size:1.35rem;color:var(--ink)}.split{display:grid;grid-template-columns:1fr 1fr;gap:8%;align-items:center}.resource-panel{background:var(--gray);padding:50px;border-left:4px solid var(--blue)}.resource-panel h3{font-size:2.2rem}.resource-panel small{display:block;margin-top:28px;color:var(--muted)}.steps{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:36px 65px;counter-reset:step}.steps li{display:flex;gap:22px;border-top:1px solid var(--line);padding-top:28px}.steps li>span{font-size:.9rem;color:var(--blue);font-weight:700;padding-top:5px}.steps h3{font-size:1.5rem;margin-bottom:12px}.steps p{margin-bottom:0}.local-section{padding:80px 12%;background:var(--gray);text-align:center}.local-section p{margin:0 auto 30px}.faq{padding:85px 5%;max-width:1100px;margin:auto}.faq h2{max-width:650px}.faq details{border-bottom:1px solid var(--line);padding:20px 0}.faq summary{font-size:1.05rem;font-weight:500;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:20px}.faq summary:after{content:'+';color:var(--blue);font-size:1.4rem}.faq details[open] summary:after{content:'−'}.faq details p{margin:18px 0 0;max-width:850px}.contact{background:#edf4f6;display:grid;grid-template-columns:1.25fr 1fr;gap:8%;padding:75px 5%}.contact-links{align-self:center;display:flex;flex-direction:column;gap:18px}.contact-links>a:not(.button){border-bottom:1px solid #bdcfd6;padding-bottom:15px;font-size:1.1rem;font-weight:600;color:var(--deep)}.contact-links span{display:block;font-size:.95rem;font-weight:400}.contact-links>a:hover{color:var(--blue)}.contact-links .button{align-self:start}footer{background:#12262e;padding:55px 5% 30px;color:white}.footer-top{display:grid;grid-template-columns:.8fr 1.4fr 1fr;gap:35px}.footer-top .brand{color:white}.footer-top p,.legal p{color:#c3cfd4;font-size:.8rem}.footer-top a:not(.brand){font-size:.9rem;overflow-wrap:anywhere}.footer-top a:hover,.footer-links a:hover{text-decoration:underline}.legal{border-top:1px solid #34474f;margin-top:32px;padding-top:26px;font-size:.8rem}.legal p{max-width:1200px}.footer-links{display:flex;gap:20px;flex-wrap:wrap;color:#c3cfd4}.page-head{padding:75px 5% 60px;background:var(--gray)}.page-head h1{font-size:clamp(3rem,5vw,5rem)}.page-head p{font-size:1.15rem;margin-bottom:0;max-width:700px}.guide{display:grid;grid-template-columns:1.6fr 1fr;gap:10%}.guide article{margin-bottom:40px}.guide article h2{font-size:2rem}.guide aside{padding:35px;background:var(--gray);height:fit-content;border-top:3px solid var(--blue)}.guide aside a{display:block;margin-top:24px}.notice{background:#edf4f6;padding:25px;border-left:3px solid var(--blue);font-size:.9rem}.about{display:grid;grid-template-columns:.8fr 1.25fr;gap:9%;align-items:start}.about img{width:100%;max-width:360px;height:460px;max-height:500px;object-fit:cover;object-position:center top}.review-date{font-size:.8rem;letter-spacing:.1em;color:var(--blue);margin-bottom:25px}.table-wrap{overflow-x:auto;border:1px solid var(--line)}table{width:100%;border-collapse:collapse;min-width:750px;font-size:.95rem}caption{text-align:left;padding:20px;font-size:1.1rem;font-weight:600;background:var(--gray)}th{text-align:left;background:var(--deep);color:white;font-weight:500}th,td{padding:20px;border-bottom:1px solid var(--line);vertical-align:top}td:nth-child(2){color:var(--blue);font-weight:700;white-space:nowrap}tbody tr:hover{background:#edf4f6}.guide-columns{display:grid;grid-template-columns:repeat(3,1fr);gap:35px;margin:55px 0}.guide-columns h2{font-size:1.65rem}.sources{background:var(--gray);padding:30px;margin:30px 0}.sources a{display:block;color:var(--blue);text-decoration:underline;margin-bottom:10px}.calculator{display:grid;grid-template-columns:1.2fr 1fr;gap:45px;align-items:start}.calculator h2{font-size:1.75rem}.fields{display:grid;grid-template-columns:1fr 1fr;gap:22px}.fields label{font-size:.875rem;color:var(--muted);font-weight:500}input{width:100%;padding:13px;border:1px solid #9cafb8;border-radius:0;margin-top:8px;color:var(--ink);background:white}input:focus{border-color:var(--blue)}.calc-result{padding:35px;background:var(--deep);color:white}.calc-result .eyebrow{color:#a2d6e5}.calc-result output{display:block;font-family:Manrope,sans-serif;font-size:3.4rem;letter-spacing:-.05em;margin-bottom:25px}.calc-result p{color:#d4e0e5}.calc-result .button{background:white;color:var(--deep);margin:25px 0}.break-row{display:flex;justify-content:space-between;gap:20px;font-size:.9rem;padding:12px 0;border-bottom:1px solid #41616d}.result-loan{display:flex;flex-direction:column;font-size:.9rem;padding-top:22px}.result-loan strong{font-size:1.5rem}.calculator .fine{margin-top:22px}#calc-error{color:#a52b25;font-size:.9rem;margin-top:18px}.prose{max-width:900px}.prose h2{font-size:1.8rem;margin-top:35px}.prose a{color:var(--blue);text-decoration:underline}@media(min-width:1600px){.hero-copy{padding-left:calc((100vw - 1440px)/2)}.hero-portrait{margin-right:calc((100vw - 1440px)/2)}}@media(max-width:1100px){nav{gap:14px}nav a{font-size:.8rem}header{padding:20px 4%}.hero{min-height:620px}.hero-copy{padding-top:60px}.hero-portrait{min-height:500px;margin-right:8%}.identity{gap:12px}.loan-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:800px){header{height:85px}.menu{display:block;border:1px solid var(--line);background:white;padding:9px 15px;color:var(--deep)}nav{display:none;position:absolute;left:0;right:0;top:85px;background:white;padding:25px 5%;box-shadow:0 8px 15px #0001;flex-direction:column;align-items:stretch;gap:18px}nav.open{display:flex}nav a{font-size:1rem}.identity{flex-direction:column;font-size:.75rem}.identity span{font-size:.72rem}.hero{grid-template-columns:1fr}.hero-copy{padding:45px 6% 35px}.hero h1{font-size:4rem}.hero-portrait{width:88%;height:420px;max-width:380px;min-height:0;margin:0 auto 35px}.hero-portrait img{object-position:center 20%}.value-strip{gap:20px;grid-template-columns:1fr}.value-strip>div{padding-left:20px}.value-strip strong{font-size:1.8rem}.section,.faq{padding:60px 6%}.section-heading{align-items:start;flex-direction:column;gap:10px}.section-heading p{max-width:550px}.broker-section,.split,.contact,.guide,.about,.calculator{grid-template-columns:1fr;gap:35px}.broker-section,.contact{padding:60px 6%}.guide-columns{grid-template-columns:1fr;gap:20px}.local-section{padding:60px 6%}.footer-top{grid-template-columns:1fr;gap:22px}.page-head{padding:50px 6%}.page-head h1{font-size:3rem}.about img{max-width:340px;height:430px;max-height:500px}.resource-panel{padding:30px}.steps{grid-template-columns:1fr;gap:28px}.topline{font-size:.65rem;letter-spacing:.06em}.calc-result output{font-size:3rem}}@media(max-width:480px){.hero h1{font-size:3.4rem}.hero-portrait{width:88%;height:380px}.loan-grid{grid-template-columns:1fr}.fields{grid-template-columns:1fr}.actions{flex-direction:column;align-items:stretch}.brand{font-size:1.45rem}.brand span{font-size:.63rem}.calc-result{padding:25px}.contact-links span{overflow-wrap:anywhere}.topline{flex-wrap:wrap;gap:5px}.loan-card{min-height:230px}.page-head h1{font-size:2.8rem}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}

.identity-brand{display:flex;align-items:center;gap:12px;color:var(--deep)}.identity-brand img{width:116px;height:32px;object-fit:contain;background:#fff;padding:1px 4px}.identity-brand strong{font-size:.875rem;font-weight:600}.identity{align-items:center;gap:18px}.identity>span{font-size:.78rem}

/* Approved coastal brand logo */
.logo-brand{display:block;width:280px;max-width:42vw;line-height:0;flex-shrink:0}.logo-brand img{display:block;width:100%;height:auto}.footer-top .logo-brand{max-width:100%;width:320px;background:#eef1f2;padding:18px;align-self:start}.agent-guidance{margin-top:36px}@media(max-width:1100px){header .logo-brand{width:245px}}@media(max-width:800px){header .logo-brand{width:240px;max-width:70vw}.footer-top .logo-brand{width:320px}}

.hero-copy .hero-tagline{margin-bottom:18px}.hero-copy .hero-description{margin-bottom:0}

/* Proportionally scaled profile photos, preserving the full image */
.hero-portrait{max-width:365px;min-height:0;height:auto;align-self:start}.hero-portrait img{position:static;display:block;width:100%;height:auto;object-fit:contain}.about img{max-width:305px;height:auto;max-height:none;object-fit:contain}@media(max-width:800px){.hero-portrait{max-width:325px;min-height:0;height:auto}.about img{max-width:285px;height:auto}}@media(max-width:480px){.hero-portrait{max-width:310px;height:auto}}

/* Readability and prelaunch navigation refinements */
.identity>span{display:flex;flex-wrap:wrap;gap:4px 20px;justify-content:flex-end;font-size:.875rem}.identity span span{font-size:inherit}.identity-brand{flex-shrink:0}.identity-brand strong{max-width:240px}.footer-top{grid-template-columns:1.5fr 1fr}.footer-top p,.legal,.legal p,.fine,.review-date{font-size:.875rem}.footer-top a,.footer-links a{display:inline-flex;align-items:center;min-height:44px}.footer-top p a{min-height:0}.topline{align-items:center;letter-spacing:.04em}.topline a{display:flex;align-items:center;min-height:32px}nav a{display:flex;align-items:center;min-height:44px}input{font-size:1rem}.field{min-width:0}.field label,.field legend{display:block;font-size:.95rem;color:var(--ink)}.field-help{display:block;font-size:.875rem;color:var(--muted);margin-top:7px;line-height:1.5}.down-field{border:0;padding:0;margin:0;min-width:0}.down-field legend{padding:0;margin-bottom:8px}.unit-switch{display:flex;gap:6px;margin-bottom:10px}.unit-switch button{min-height:44px;padding:8px 12px;background:transparent;border:1px solid var(--blue);color:var(--blue);cursor:pointer;flex:1}.unit-switch button[aria-pressed=true]{background:var(--blue);color:white}.calculator-help{margin-top:24px;border-top:1px solid var(--line);padding-top:16px}.calculator-help summary{cursor:pointer;min-height:44px;font-weight:600}.calculator-help p{font-size:.95rem}.calculator-help a{color:var(--blue);text-decoration:underline}.calc-result output{font-size:clamp(2rem,4vw,3.4rem);overflow-wrap:anywhere}.guide-main li{margin-bottom:12px;color:var(--muted)}
@media(max-width:1100px){header{height:85px}.menu{display:block;min-height:44px;border:1px solid var(--blue);background:transparent;padding:9px 15px;color:var(--deep)}nav{display:none;position:absolute;left:0;right:0;top:85px;background:var(--gray);padding:20px 5%;box-shadow:0 8px 15px #0001;flex-direction:column;align-items:stretch;gap:8px;max-height:calc(100dvh - 85px);overflow-y:auto}nav.open{display:flex}nav a{font-size:1rem}.identity{align-items:flex-start}.identity>span{flex-direction:column;gap:4px}.hero-portrait{margin-left:auto;margin-right:auto}}
@media(max-width:800px){.identity{align-items:flex-start}.identity>span{justify-content:flex-start;font-size:.875rem}.footer-top{grid-template-columns:1fr}.topline{font-size:.75rem}.section,.faq{padding-top:48px;padding-bottom:48px}.identity-brand strong{max-width:none}.hero-portrait{margin:0 auto 35px}}
@media(max-width:480px){.identity-brand{flex-wrap:wrap;gap:8px}.identity-brand strong{font-size:.875rem}.contact-links .button{align-self:stretch}.loan-card{padding:26px}}

/* Simple purchase calculator */
.calculator-head{padding-top:40px;padding-bottom:35px}.calculator-head h1{font-size:clamp(2.2rem,4vw,3.8rem)}.simple-calculator{padding-top:35px}.loan-switch{display:flex;gap:6px;margin:20px 0 12px;padding:5px;background:#dce6e9}.loan-switch button{flex:1;min-height:48px;border:0;background:transparent;color:var(--deep);font-weight:600;cursor:pointer;padding:10px 5px}.loan-switch button[aria-pressed=true]{background:var(--blue);color:white}.loan-switch button:hover{box-shadow:inset 0 0 0 1px var(--blue)}select{width:100%;font:inherit;font-size:1rem;padding:13px;border:1px solid #9cafb8;background:#f8fafb;color:var(--ink);margin-top:8px;min-height:48px}select:focus-visible{outline:3px solid #2787a6;outline-offset:3px}.simple-calculator input{background:#f8fafb}.optional-costs{padding:16px;background:#e3e9ec}.optional-costs .fields{margin-top:15px}.check-label{display:flex;gap:12px;align-items:center;min-height:48px;margin-top:14px}.check-label input{width:20px;height:20px;margin:0}.simple-calculator [hidden]{display:none!important}#va-options{margin-top:20px}.simple-calculator .calc-result h2{font-size:1.4rem;color:white;margin-bottom:10px}.simple-calculator .calc-result output{font-size:clamp(2.4rem,4.5vw,3.8rem)}.calculator-notes{padding-top:0}.calculator-notes h2{font-size:1.8rem}.calculator-notes p{max-width:90ch}@media(max-width:480px){.loan-switch button{font-size:.875rem}.simple-calculator{gap:25px}.calculator-head{padding-top:30px;padding-bottom:25px}}

.calc-form-heading{display:flex;justify-content:space-between;align-items:start;gap:20px}.calc-form-heading h2{margin-bottom:0}.calc-form-heading button{min-height:44px;flex-shrink:0}.simple-calculator .result-loan{border-top:1px solid #41616d;padding:16px 0;flex-direction:row;justify-content:space-between;align-items:center;gap:15px}.simple-calculator .result-loan strong{font-size:1.1rem}.fee-summary{border-top:1px solid #41616d;padding-top:18px;font-size:.95rem;line-height:1.6}.simple-calculator .calc-result{background:#16252a}.simple-calculator .calc-result .button{background:#e4edf0;color:var(--deep);border-color:#e4edf0}

/* Launch review: narrow screens, keyboard access and long calculator values. */
h1,h2,h3{overflow-wrap:anywhere}.calculator>*{min-width:0}.break-row{flex-wrap:wrap;gap:4px 18px}.break-row strong,.result-loan strong{overflow-wrap:anywhere}.table-wrap:focus-visible{outline:3px solid #2787a6;outline-offset:3px}