:root{
  --ink:#1f2328; --muted:#5b636d; --line:#e3e1dc; --bg:#faf8f4; --card:#ffffff;
  --accent:#2f5d50; --accent-ink:#ffffff; --cedar:#7a4a2a; --soft:#f1efe9;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 Georgia,"Times New Roman",serif}
img{max-width:100%;display:block}
a{color:var(--accent)}
.wrap{max-width:1080px;margin:0 auto;padding:0 16px}
.narrow{max-width:760px}
header.site{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(6px)}
header.site .wrap{display:flex;justify-content:space-between;align-items:center;padding:12px 16px;gap:12px}
.brand{font-weight:bold;text-decoration:none;color:var(--ink);letter-spacing:.3px;white-space:nowrap}
nav a{margin-left:16px;font-family:Arial,sans-serif;font-size:15px;text-decoration:none}
nav .cta{background:var(--accent);color:#fff;padding:8px 14px;border-radius:6px}
@media (max-width:640px){nav a:not(.cta){display:none}}

.hero{position:relative;min-height:72vh;display:flex;align-items:flex-end;color:#fff;
  background:#333 url("img/10.jpg") center/cover no-repeat}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(0,0,0,.78) 0%,rgba(0,0,0,.25) 60%,rgba(0,0,0,0) 100%)}
.hero .wrap{position:relative;z-index:1;padding-bottom:40px;width:100%;text-shadow:0 1px 8px rgba(0,0,0,.55)}
.hero .eyebrow{font-family:Arial,sans-serif;font-size:14px;letter-spacing:2px;text-transform:uppercase;opacity:.9}
.hero h1{font-size:44px;line-height:1.1;margin:8px 0 10px;max-width:760px}
.hero .price{font-family:Arial,sans-serif;font-size:30px;font-weight:bold;margin:0 0 16px}
.hero .btns a{display:inline-block;margin:0 10px 10px 0;padding:12px 20px;border-radius:6px;font-family:Arial,sans-serif;text-decoration:none;font-weight:bold}
.btn-primary{background:var(--accent);color:#fff}
.btn-ghost{background:rgba(255,255,255,.15);color:#fff;border:1px solid rgba(255,255,255,.6)}
@media (max-width:640px){.hero h1{font-size:30px}.hero .price{font-size:24px}.hero{min-height:62vh}}

.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:10px;overflow:hidden;margin:-28px 0 0;position:relative;z-index:2}
.facts div{background:var(--card);padding:16px;text-align:center}
.facts b{display:block;font-family:Arial,sans-serif;font-size:20px;color:var(--accent)}
.facts span{font-family:Arial,sans-serif;font-size:13px;color:var(--muted)}
@media (max-width:640px){.facts{grid-template-columns:repeat(2,1fr)}}

section{padding:48px 0}
h2{font-size:30px;margin:0 0 14px}
h3{font-size:21px;margin:28px 0 8px}
.lead{font-size:19px;color:var(--muted)}
.note{background:var(--soft);border-left:4px solid var(--accent);padding:12px 16px;border-radius:4px;font-size:16px}

.highlights{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.highlights figure{margin:0;background:var(--card);border:1px solid var(--line);border-radius:10px;overflow:hidden}
.highlights img{aspect-ratio:3/2;object-fit:cover;width:100%;cursor:zoom-in}
.highlights figcaption{padding:14px 16px 18px}
.highlights figcaption b{display:block;font-size:18px;margin-bottom:4px}
.highlights figcaption span{font-size:15px;color:var(--muted)}
@media (max-width:860px){.highlights{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.highlights{grid-template-columns:1fr}}

.story{background:var(--card);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.story p{margin:0 0 16px}
.story .sig{font-style:italic;color:var(--muted)}
.story blockquote{margin:18px 0;padding:0 0 0 18px;border-left:3px solid var(--cedar);font-style:italic}

.features{columns:2;column-gap:40px;padding-left:20px}
.features li{margin:4px 0;break-inside:avoid}
@media (max-width:640px){.features{columns:1}}

.gallery-nav{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 8px}
.gallery-nav a{font-family:Arial,sans-serif;font-size:14px;text-decoration:none;border:1px solid var(--line);background:var(--card);padding:6px 12px;border-radius:20px}
.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.grid button{padding:0;border:0;background:none;cursor:zoom-in;border-radius:6px;overflow:hidden}
.grid img{aspect-ratio:3/2;object-fit:cover;width:100%;transition:transform .25s}
.grid button:hover img{transform:scale(1.04)}
@media (max-width:860px){.grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:560px){.grid{grid-template-columns:repeat(2,1fr)}}

.lightbox{position:fixed;inset:0;background:rgba(10,10,10,.94);display:none;z-index:50;align-items:center;justify-content:center;flex-direction:column}
.lightbox.open{display:flex}
.lightbox img{max-width:94vw;max-height:82vh;object-fit:contain}
.lightbox .cap{color:#ddd;font-family:Arial,sans-serif;font-size:14px;margin-top:10px;text-align:center;padding:0 16px}
.lightbox button{position:absolute;background:rgba(255,255,255,.12);color:#fff;border:0;font-size:28px;width:48px;height:48px;border-radius:50%;cursor:pointer}
.lightbox .close{top:14px;right:14px}
.lightbox .prev{left:12px;top:50%;transform:translateY(-50%)}
.lightbox .next{right:12px;top:50%;transform:translateY(-50%)}

.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:22px;margin:24px 0}
form label{display:block;font-family:Arial,sans-serif;font-size:15px;font-weight:bold;margin:14px 0 4px}
form input[type=text],form input[type=email],form input[type=tel],form input[type=file]{
  width:100%;padding:11px;border:1px solid #c9c6bf;border-radius:6px;font-size:16px;background:#fff}
.consent{display:flex;gap:10px;align-items:flex-start;margin:18px 0 6px;font-family:Arial,sans-serif;font-size:14px;line-height:1.5;color:var(--muted)}
.consent input{margin-top:4px;flex:none;width:18px;height:18px}
.optional{font-weight:normal;color:var(--muted)}
button.submit{margin-top:16px;background:var(--accent);color:var(--accent-ink);border:0;border-radius:6px;
  padding:13px 22px;font-size:17px;font-family:Arial,sans-serif;cursor:pointer;width:100%}

footer{border-top:1px solid var(--line);margin-top:24px;padding:22px 0;font-family:Arial,sans-serif;font-size:14px;color:var(--muted)}
footer a{margin-right:14px}

/* legal and simple pages */
header:not(.site){border-bottom:1px solid var(--line);background:var(--card)}
header:not(.site) .wrap{display:flex;justify-content:space-between;align-items:center;padding:14px 16px;max-width:760px}
main.wrap{max-width:760px}
main.wrap h1{font-size:34px;line-height:1.2;margin:36px 0 8px}
.legal h2{font-size:20px;margin-top:28px}
.legal p,.legal li{font-size:16px}

.faq{background:var(--card);border:1px solid var(--line);border-radius:8px;padding:0 16px;margin:10px 0}
.faq summary{cursor:pointer;padding:14px 0;font-weight:bold;font-size:18px;list-style-position:inside}
.faq p{margin:0 0 16px;font-size:16px}
.lenders{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:8px}
.lender{border:1px solid var(--line);border-radius:10px;padding:18px;background:var(--bg);display:flex;flex-direction:column;gap:3px;font-family:Arial,sans-serif;font-size:14px;color:var(--muted)}
.lender b{font-family:Georgia,serif;font-size:20px;color:var(--ink)}
.lender a{word-break:break-all}
.btn-lender{margin-top:12px;display:inline-block;text-align:center;background:var(--accent);color:#fff !important;text-decoration:none;padding:11px 16px;border-radius:6px;font-weight:bold;word-break:normal !important}
@media (max-width:640px){.lenders{grid-template-columns:1fr}}

.steps{text-align:left;max-width:560px;margin:22px auto;padding-left:22px}
.steps li{margin:8px 0}
.chat-fallback{font-family:Arial,sans-serif;font-size:14px;color:var(--muted);margin-top:14px}
.calc{background:var(--card);border:1px solid var(--line);border-radius:12px;overflow:hidden;margin-top:10px}
.calc-tabs{display:grid;grid-template-columns:repeat(3,1fr);border-bottom:1px solid var(--line)}
.calc-tabs button{background:var(--soft);border:0;border-right:1px solid var(--line);padding:14px 6px;font-family:Arial,sans-serif;font-size:16px;font-weight:bold;color:var(--ink);cursor:pointer}
.calc-tabs button:last-child{border-right:0}
.calc-tabs button small{display:block;font-weight:normal;font-size:13px;color:var(--muted);margin-top:2px}
.calc-tabs button[aria-selected="true"]{background:var(--accent);color:#fff}
.calc-tabs button[aria-selected="true"] small{color:#dfeee8}
.calc-body{padding:22px}
.calc-big{text-align:center;margin:4px 0 18px}
.calc-big span{display:block;font-family:Arial,sans-serif;font-size:52px;font-weight:bold;color:var(--accent);line-height:1.1}
.calc-big small{font-family:Arial,sans-serif;color:var(--muted);font-size:15px}
.calc-lines{list-style:none;padding:0;margin:0 0 14px;font-family:Arial,sans-serif;font-size:15px}
.calc-lines li{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px dashed var(--line)}
.calc-terms{font-family:Arial,sans-serif;font-size:13px;color:var(--muted);margin:12px 0 4px}
.calc-note{font-family:Arial,sans-serif;font-size:12.5px;color:var(--muted);margin-top:12px;line-height:1.5}

.calc-inputs{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;font-family:Arial,sans-serif;font-size:13px;color:var(--muted)}
.calc-inputs label{display:flex;flex-direction:column;gap:4px;font-weight:bold}
.inwrap{display:flex;align-items:center;gap:4px;border:1px solid #c9c6bf;border-radius:6px;padding:0 10px;background:#fff;color:var(--ink);font-size:16px}
.inwrap input{border:0;outline:0;width:100%;padding:10px 0;font-size:16px;background:transparent;color:var(--ink)}
#i-down-range{width:100%;margin:14px 0 4px;accent-color:var(--accent)}
.dpa{background:var(--soft);border-left:4px solid var(--accent);border-radius:4px;padding:12px 14px;font-family:Arial,sans-serif;font-size:14px;line-height:1.5;margin:14px 0}
.lender-why{font-size:14px;color:var(--ink);margin:10px 0 6px;font-family:Arial,sans-serif}
.lender-list{margin:0 0 4px;padding-left:18px;font-size:13.5px;color:var(--ink)}
.lender-list li{margin:2px 0}
@media (max-width:560px){.calc-inputs{grid-template-columns:1fr}}

/* v11 */
.tagline{font-family:Arial,sans-serif;font-size:15px;letter-spacing:.02em;margin:-4px 0 18px;opacity:.95}
.journey{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;list-style:none;padding:0;margin:18px 0 0;counter-reset:j}
.journey li{counter-increment:j;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:14px;font-family:Arial,sans-serif;font-size:14px;color:var(--muted)}
.journey li::before{content:counter(j);display:inline-grid;place-items:center;width:24px;height:24px;border-radius:50%;background:var(--accent);color:#fff;font-size:13px;font-weight:bold;margin-bottom:6px}
.journey b{display:block;color:var(--ink);font-size:15px;margin-bottom:2px}
.journey a{text-decoration:none}
@media (max-width:860px){.journey{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.journey{grid-template-columns:1fr}}
.lender .more{font-size:14px;margin-top:6px}
.page-hero{padding:44px 0 8px}
.page-hero h1{font-size:38px;margin:0 0 10px;line-height:1.15}
.kicker{font-family:Arial,sans-serif;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);margin:0 0 8px}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0 6px}
.tile{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:16px}
.tile b{display:block;font-size:34px;line-height:1.1;color:var(--ink)}
.tile span{font-family:Arial,sans-serif;font-size:14px;color:var(--muted)}
@media (max-width:640px){.tiles{grid-template-columns:1fr}.page-hero h1{font-size:30px}}
.src{font-family:Arial,sans-serif;font-size:12.5px;color:var(--muted)}
.chart{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:16px 14px 10px;margin:18px 0 8px;position:relative}
.chart h3{margin:0 0 2px;font-size:18px}
.chart svg{display:block;width:100%;height:auto;overflow:visible}
.chart .tip{position:absolute;pointer-events:none;background:var(--ink);color:#fff;font-family:Arial,sans-serif;font-size:13px;padding:6px 9px;border-radius:6px;white-space:nowrap;transform:translate(-50%,-115%);opacity:0;transition:opacity .1s}
.cmp{width:100%;border-collapse:collapse;font-family:Arial,sans-serif;font-size:15px;margin:14px 0}
.cmp th,.cmp td{text-align:left;padding:10px 8px;border-bottom:1px solid var(--line);vertical-align:top}
.cmp th{font-size:13px;color:var(--muted);font-weight:normal;text-transform:uppercase;letter-spacing:.05em}
.cmp td.n{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}
.cmp tr.total td{font-weight:bold;border-top:2px solid var(--ink)}
.callout{border-left:4px solid var(--accent);background:var(--soft);padding:14px 16px;border-radius:0 8px 8px 0;margin:18px 0}
.ctas{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0}
.ctas a,.ctas button{font-family:Arial,sans-serif;font-size:15px;padding:11px 18px;border-radius:6px;text-decoration:none;cursor:pointer}
.ctas .p{background:var(--accent);color:#fff;border:0}
.ctas .g{border:1px solid var(--accent);color:var(--accent);background:transparent}
.profile{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:18px 0}
@media (max-width:640px){.profile{grid-template-columns:1fr}}
.contact-card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:18px;font-family:Arial,sans-serif;font-size:15px}
.contact-card b{font-size:20px;color:var(--ink);display:block;font-family:inherit}
@media (max-width:640px){.chart svg text{font-size:19px}}
.reviews{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:16px}
.reviews figure{margin:0;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:18px;display:flex;flex-direction:column;justify-content:space-between}
.reviews blockquote{margin:0 0 14px;font-size:17px;line-height:1.5}
.reviews figcaption{font-family:Arial,sans-serif;font-size:13px;color:var(--muted)}
.reviews figcaption b{display:block;color:var(--ink);font-size:14px}
@media (max-width:860px){.reviews{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.reviews{grid-template-columns:1fr}}
.title-card{display:flex;gap:20px;align-items:center;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:20px;margin-top:18px;font-family:Arial,sans-serif;font-size:14.5px;color:var(--muted)}
.title-card img{flex:none;width:120px;height:auto}
.title-card div{display:flex;flex-direction:column;gap:3px}
.title-card b{font-size:18px;color:var(--ink)}
@media (max-width:520px){.title-card{flex-direction:column;align-items:flex-start}}