@import"https://fonts.googleapis.com/css2?family=Newsreader:ital,opsz,wght@0,6..72,200..800;1,6..72,200..800&family=Inter:wght@400;500;600;700;800&family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&display=swap";:root{--color-navy: #0B203F;--color-navy-light: #1A365D;--color-navy-lighter: #2A4365;--color-gold: #D4AF37;--color-gold-hover: #b8972b;--color-gold-light: rgba(212, 175, 55, .1);--color-white: #FFFFFF;--color-slate: #64748B;--color-slate-light: #94A3B8;--color-background: #F8FAFC;--color-surface: #FFFFFF;--transition: all .3s cubic-bezier(.645, .045, .355, 1);--transition-premium: all .8s cubic-bezier(.16, 1, .3, 1);--border-radius-sm: 4px;--border-radius: 8px;--border-radius-lg: 12px;--shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, .05);--shadow-md: 0 4px 6px -1px rgba(0, 0, 0, .05), 0 2px 4px -1px rgba(0, 0, 0, .03);--shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, .05), 0 4px 6px -2px rgba(0, 0, 0, .03);--shadow-2026: 0 50px 100px -20px rgba(0, 0, 0, .12), 0 30px 60px -30px rgba(0, 0, 0, .15);--glass-2026: rgba(255, 255, 255, .85);--font-sans: "Inter", sans-serif;--font-heading: "Newsreader", serif;--font-editorial: "Newsreader", serif;--section-padding: 6rem 0;--editorial-offset: -100px}*{box-sizing:border-box;margin:0;padding:0}body{font-family:var(--font-sans);background-color:var(--color-background);color:#334155;line-height:1.6;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);color:var(--color-navy);font-weight:700;line-height:1.1;letter-spacing:-.01em;text-transform:none}a{color:var(--color-gold);text-decoration:none;transition:var(--transition)}a:hover{color:var(--color-gold-hover)}img{max-width:100%;height:auto;display:block}.glass-panel{background:var(--color-surface);border:1px solid rgba(0,0,0,.05);border-radius:var(--border-radius-lg);box-shadow:var(--shadow-lg)}.btn{display:inline-flex;align-items:center;justify-content:center;padding:.75rem 1.5rem;border-radius:var(--border-radius);font-family:var(--font-heading);font-weight:600;font-size:1rem;cursor:pointer;transition:var(--transition);border:none;text-align:center}.btn-primary{background:var(--color-navy);color:var(--color-white);box-shadow:var(--shadow-md)}.btn-primary:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg);background:var(--color-navy-light)}.btn-secondary{background:transparent;color:var(--color-navy);border:1px solid var(--color-navy)}.btn-secondary:hover{background:#0b203f0d;transform:translateY(-2px)}.btn-folksy-submit,.btn-folksy-action{background:var(--color-navy);color:#fff;border:none;padding:1.5rem 3rem;border-radius:12px;font-family:var(--font-sans);font-size:1.15rem;font-weight:800;cursor:pointer;transition:all .3s cubic-bezier(.34,1.56,.64,1);display:inline-block;text-decoration:none;text-align:center}.btn-folksy-submit:hover,.btn-folksy-action:hover{background:var(--color-gold);transform:translateY(-5px);box-shadow:0 15px 30px #d4af374d;color:var(--color-navy)}.btn-folksy-gold{background:var(--color-gold);color:var(--color-navy);border:none;padding:1.5rem 3rem;border-radius:12px;font-family:var(--font-sans);font-size:1.15rem;font-weight:800;cursor:pointer;transition:all .3s cubic-bezier(.34,1.56,.64,1);display:inline-block;text-decoration:none;text-align:center}.btn-folksy-gold:hover{background:#fff;transform:translateY(-5px);box-shadow:0 15px 30px #fff3;color:var(--color-navy)}.btn-folksy-cta{padding:1.5rem 3.5rem;background:var(--color-navy);color:#fff;border:none;border-radius:12px;font-weight:800;font-size:1.25rem;cursor:pointer;transition:all .4s cubic-bezier(.34,1.56,.64,1);position:relative;overflow:hidden;letter-spacing:.5px;text-align:center;min-width:250px}.btn-folksy-cta:hover{background:var(--color-gold);transform:translateY(-8px);box-shadow:0 20px 40px #d4af3766;color:var(--color-navy)}.btn-folksy-cta:hover{background:var(--color-gold);transform:translateY(-5px);box-shadow:0 15px 30px #d4af374d;color:var(--color-navy)}.folksy-glass{background:#fffffffa;-webkit-backdrop-filter:blur(24px);backdrop-filter:blur(24px);border:1px solid rgba(0,0,0,.05);border-radius:20px;box-shadow:var(--shadow-2026)}.badge-micro-folksy{display:inline-block;font-family:var(--font-sans);color:var(--color-gold);font-weight:800;text-transform:uppercase;font-size:.8rem;letter-spacing:2px;margin-bottom:1rem}.small-caps-title{font-family:var(--font-sans);text-transform:uppercase;font-size:.8rem;letter-spacing:2px;color:var(--color-gold);margin-bottom:1rem;font-weight:800}.serif-font{font-family:var(--font-heading)}@keyframes fadeIn{0%{opacity:0}to{opacity:1}}@keyframes slideUp{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}@keyframes scaleUp{0%{transform:scale(.9);opacity:0}to{transform:scale(1);opacity:1}}.animate-scale-up{opacity:0;animation:scaleUp .6s cubic-bezier(.34,1.56,.64,1) forwards}.animate-fade-in{opacity:0;animation:fadeIn .8s ease forwards}.animate-slide-up{opacity:0;animation:slideUp .8s ease forwards}.delay-100{animation-delay:.1s}.delay-200{animation-delay:.2s}.delay-300{animation-delay:.3s}.delay-400{animation-delay:.4s}.container{max-width:1200px;margin:0 auto;padding:0 1.5rem}.glass-panel-2026{background:var(--glass-2026);-webkit-backdrop-filter:blur(20px) saturate(180%);backdrop-filter:blur(20px) saturate(180%);border:1px solid rgba(255,255,255,.3);box-shadow:var(--shadow-2026)}.bg-grain{position:relative;overflow-x:hidden}.bg-grain:before{content:"";position:fixed;inset:0;z-index:-1;opacity:.04;pointer-events:none;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noiseFilter'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.65' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noiseFilter)'/%3E%3C/svg%3E")}.text-gold{color:var(--color-gold)!important}.w-full{width:100%}.h-full{height:100%}.mt-4{margin-top:1rem}.mt-10{margin-top:2.5rem}.mb-4{margin-bottom:1rem}.mb-6{margin-bottom:1.5rem}.mb-8{margin-bottom:2rem}.mb-12{margin-bottom:3rem}.ms-auto{margin-inline-start:auto}.me-auto{margin-inline-end:auto}.mx-auto{margin-left:auto;margin-right:auto}.block{display:block}[data-theme=modern]{--color-navy: #111827;--color-navy-light: #1f2937;--color-navy-lighter: #374151;--color-gold: #06b6d4;--color-gold-hover: #0891b2;--color-gold-light: rgba(6, 182, 212, .1);--color-background: #f0f9ff;--color-surface: #ffffff;--color-slate: #6b7280;--color-slate-light: #9ca3af;--font-heading: "Inter", sans-serif;--font-editorial: "Inter", sans-serif;--border-radius-sm: 6px;--border-radius: 12px;--border-radius-lg: 20px;--shadow-sm: 0 1px 3px rgba(0, 0, 0, .06);--shadow-md: 0 4px 16px rgba(0, 0, 0, .07);--shadow-lg: 0 8px 32px rgba(0, 0, 0, .08);--shadow-2026: 0 24px 64px rgba(0, 0, 0, .1), 0 8px 24px rgba(0, 0, 0, .06);--section-padding: 6rem 0}[data-theme=modern] h1,[data-theme=modern] h2,[data-theme=modern] h3,[data-theme=modern] h4,[data-theme=modern] h5,[data-theme=modern] h6{font-weight:800;letter-spacing:-.03em}[data-theme=modern] .header{border-bottom:1px solid rgba(6,182,212,.15)}[data-theme=modern] .nmls-badge-header{color:#06b6d4}[data-theme=modern] .logo-text-folksy,[data-theme=modern] .logo-icon-folksy{color:#111827}[data-theme=modern] .btn-folksy-action,[data-theme=modern] .btn-folksy-submit,[data-theme=modern] .btn-folksy-gold,[data-theme=modern] .btn-folksy-cta{background:#06b6d4;border-color:#06b6d4;border-radius:10px}[data-theme=modern] .btn-folksy-action:hover,[data-theme=modern] .btn-folksy-submit:hover,[data-theme=modern] .btn-folksy-gold:hover,[data-theme=modern] .btn-folksy-cta:hover{background:#0891b2;border-color:#0891b2}[data-theme=modern] .trust-ribbon{border-bottom:2px solid #06b6d4}[data-theme=modern] .footer-section-title,[data-theme=modern] .footer-tagline{color:#06b6d4!important}[data-theme=coastal]{--color-navy: #0c4a6e;--color-navy-light: #075985;--color-navy-lighter: #0369a1;--color-gold: #f59e0b;--color-gold-hover: #d97706;--color-gold-light: rgba(245, 158, 11, .1);--color-background: #fef9ee;--color-surface: #ffffff;--color-slate: #5c6978;--color-slate-light: #8fa0b0;--font-heading: "Playfair Display", serif;--font-editorial: "Playfair Display", serif;--border-radius-sm: 6px;--border-radius: 14px;--border-radius-lg: 22px;--shadow-sm: 0 1px 4px rgba(12, 74, 110, .06);--shadow-md: 0 4px 20px rgba(12, 74, 110, .08);--shadow-lg: 0 10px 40px rgba(12, 74, 110, .1);--shadow-2026: 0 40px 80px rgba(12, 74, 110, .12), 0 20px 40px rgba(12, 74, 110, .08);--section-padding: 6rem 0}[data-theme=coastal] h1,[data-theme=coastal] h2,[data-theme=coastal] h3,[data-theme=coastal] h4,[data-theme=coastal] h5,[data-theme=coastal] h6{font-weight:700;letter-spacing:-.005em}[data-theme=coastal] .header{border-bottom:1px solid rgba(245,158,11,.2);background:#fffdf5}[data-theme=coastal] .nmls-badge-header{color:#f59e0b}[data-theme=coastal] .logo-text-folksy,[data-theme=coastal] .logo-icon-folksy{color:#0c4a6e}[data-theme=coastal] .btn-folksy-action,[data-theme=coastal] .btn-folksy-submit,[data-theme=coastal] .btn-folksy-gold,[data-theme=coastal] .btn-folksy-cta{background:#f59e0b;border-color:#f59e0b;color:#0c4a6e;border-radius:12px}[data-theme=coastal] .btn-folksy-action:hover,[data-theme=coastal] .btn-folksy-submit:hover,[data-theme=coastal] .btn-folksy-gold:hover,[data-theme=coastal] .btn-folksy-cta:hover{background:#d97706;border-color:#d97706}[data-theme=coastal] .trust-ribbon{background:#0c4a6e;border-bottom:2px solid #f59e0b}[data-theme=coastal] .footer-section-title,[data-theme=coastal] .footer-tagline{color:#f59e0b!important}[data-theme=coastal] body{background-color:#fef9ee}.header{position:fixed;top:0;left:0;right:0;z-index:1000;height:90px;display:flex;align-items:center;background:#fff;border-bottom:1px solid rgba(0,0,0,.08);border-radius:0}.header-container{display:flex;justify-content:space-between;align-items:center;width:100%}.logo-group-folksy{display:flex;flex-direction:column}.nmls-badge-header{font-size:.6rem;color:#d4af37;font-weight:800;letter-spacing:1px;margin-top:4px}.logo-folksy{display:flex;align-items:center;gap:.75rem;text-decoration:none}.logo-icon-folksy{color:#1a365d;width:32px}.logo-img-folksy{max-height:48px;width:auto;object-fit:contain}.logo-text-folksy{font-size:1.5rem;font-weight:800;color:#1a365d;letter-spacing:-1px}.nav-links{display:flex;gap:2.5rem}.nav-links a{text-decoration:none;color:#475569;font-weight:600;font-size:.95rem;transition:color .3s ease}.nav-links a:hover{color:#d4af37}.nav-dropdown{position:relative}.dropdown-trigger{display:flex;align-items:center;gap:.5rem;cursor:pointer}.dropdown-trigger .chevron{transition:transform .3s ease}.nav-dropdown:hover .chevron{transform:rotate(180deg)}.dropdown-menu-v2{position:absolute;top:100%;left:50%;transform:translate(-50%);width:min(920px,calc(100vw - 40px));background:#fff;box-shadow:0 40px 100px -20px #00000026;border-radius:22px;display:none;grid-template-columns:repeat(3,minmax(0,1fr));gap:.35rem;align-items:start;z-index:100;margin-top:0;border:1px solid rgba(0,0,0,.05);overflow:hidden;padding:1.2rem}.dropdown-menu-v2:before{content:"";position:absolute;top:-20px;left:0;right:0;height:20px}.nav-dropdown:hover .dropdown-menu-v2{display:grid;animation:slideUpShort .3s cubic-bezier(.16,1,.3,1) forwards}@keyframes slideUpShort{0%{opacity:0;transform:translate(-50%,10px)}to{opacity:1;transform:translate(-50%)}}.dropdown-column{display:flex;flex-direction:column;min-width:0;padding:.55rem .75rem}.dropdown-column:not(:last-child){border-right:1px solid #f1f5f9}.column-title{margin-bottom:1.1rem;padding-left:.35rem}.dropdown-item{display:flex;gap:.85rem;padding:.8rem .85rem;border-radius:11px;transition:all .2s ease;align-items:flex-start}.dropdown-item:hover{background:#f8fafc;transform:translate(4px)}.icon-circle{width:34px;height:34px;background:#f1f5f9;border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--color-gold);flex-shrink:0;transition:var(--transition)}.dropdown-item:hover .icon-circle{background:var(--color-navy);color:#fff;transform:scale(1.1)}.item-text{display:flex;flex-direction:column}.item-text strong{font-size:.92rem;color:var(--color-navy);margin-bottom:.2rem}.item-text span{font-size:.77rem;color:#64748b;line-height:1.25}.header-actions{display:flex;align-items:center;gap:1rem}.btn-lang-toggle{display:flex;align-items:center;gap:.4rem;background:transparent;border:1.5px solid var(--color-gold);color:var(--color-gold);padding:.5rem 1rem;border-radius:100px;font-size:.8rem;font-weight:700;letter-spacing:.5px;cursor:pointer;transition:all .25s ease;white-space:nowrap}.btn-lang-toggle:hover{background:var(--color-gold);color:#fff;transform:translateY(-1px)}.phone-number-folksy{display:flex;align-items:center;gap:.5rem;text-decoration:none;color:#1a365d;font-weight:700;font-size:1rem}.phone-icon-svg{width:20px;color:#d4af37}.btn-folksy-action{background:#1a365d;color:#fff;border:none;padding:.85rem 1.75rem;border-radius:100px;font-size:.9rem;font-weight:800;cursor:pointer;transition:all .3s ease}.btn-folksy-action:hover{background:#d4af37;transform:translateY(-2px);box-shadow:0 10px 20px #d4af3733}.btn-theme-cycle{display:inline-flex;align-items:center;gap:.35rem;padding:.4rem .85rem;background:transparent;border:1px solid rgba(0,0,0,.15);border-radius:20px;font-family:var(--font-sans);font-size:.7rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--color-slate);cursor:pointer;transition:var(--transition)}.btn-theme-cycle:hover{border-color:var(--color-gold);color:var(--color-gold)}@media(max-width:1024px){.nav-links{display:none}}.hero-folksy{height:100vh;min-height:800px;display:flex;align-items:center;position:relative;padding:0;overflow:hidden;background-image:url(/assets/hero-home-bg-BbdEH1Zc.png);background-size:cover;background-position:center}.hero-overlay-folksy{position:absolute;inset:0;background:linear-gradient(90deg,#0f172af2,#0f172acc 35%,#0f172a33);z-index:1}.hero-container-folksy{position:relative;z-index:2;width:100%;max-width:1400px;margin:0 auto;padding:0 2rem}.hero-layout-folksy{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center;padding-top:5rem}.hero-text-folksy{position:relative}.serif-heading{font-family:var(--font-heading)}.hero-title-folksy{font-size:clamp(3rem,5.5vw,4.8rem);color:#f8fafc!important;line-height:1.05;margin-bottom:1.5rem;font-weight:800;letter-spacing:-2px}.text-warm-gold{color:#e2b85a!important}.hero-subtitle-folksy{font-size:1.3rem;color:#f1f5f9!important;line-height:1.5;max-width:500px;margin-bottom:3rem;font-weight:500}.hero-cta-group{display:flex;gap:1.5rem;align-items:center}.btn-folksy-cta{padding:1.25rem 3rem;border-radius:12px;font-weight:800;font-size:1.1rem;cursor:pointer;transition:all .4s cubic-bezier(.34,1.56,.64,1);position:relative;overflow:hidden;letter-spacing:.5px;text-align:center;min-width:220px}.btn-purchase{background:#d4af37;color:#0f172a;border:none;box-shadow:0 10px 30px #d4af0c4d}.btn-purchase:hover{background:#e5c35b;transform:translateY(-5px);box-shadow:0 15px 40px #d4af3766}.btn-refinance{background:#ffffff0d;color:#fff;border:2px solid rgba(255,255,255,.2);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}.btn-refinance:hover{background:#fff;color:#000;transform:translateY(-5px);box-shadow:0 15px 40px #ffffff26}.hero-visual-folksy{display:flex;justify-content:flex-end;align-items:center;position:relative;transform:scale(.9)}.hero-lo-identity-block{display:flex;align-items:center;gap:1.75rem;margin-bottom:0}.hero-lo-portrait{width:clamp(160px,17vw,188px);flex-shrink:0;position:relative;padding:.6rem;border-radius:30px;background:linear-gradient(180deg,#ffffff29,#0f172a5c);border:1px solid rgba(226,184,90,.4);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);box-shadow:0 22px 48px #02081766}.hero-lo-portrait:before{content:"";position:absolute;inset:auto -18px -12px 28px;height:56%;border-radius:999px;background:radial-gradient(circle at center,#e2b85a4d,#e2b85a00 72%);filter:blur(12px);z-index:-1}.hero-lo-portrait-window{position:relative;aspect-ratio:4 / 5;border-radius:24px;overflow:hidden;background:#0f172a1f}.hero-lo-portrait-window:after{content:"";position:absolute;inset:0;border-radius:inherit;box-shadow:inset 0 0 0 1px #ffffff3d;pointer-events:none}.hero-lo-portrait-img{width:100%;height:100%;object-fit:cover;object-position:center 18%;transform:scale(1.08);transform-origin:center top;display:block}.hero-lo-nameplate{display:flex;flex-direction:column;justify-content:flex-end;max-width:360px}.hero-personal-eyebrow{font-size:.7rem;letter-spacing:2.5px;text-transform:uppercase;color:#e2b85a;font-weight:700;margin:0 0 .6rem}.hero-lo-nameplate .hero-title-folksy{margin-bottom:.75rem}.hero-personal-creds{display:flex;align-items:center;gap:.5rem;color:#94a3b8;font-size:.85rem;font-weight:500}.cred-dot{width:3px;height:3px;border-radius:50%;background:#64748b;flex-shrink:0}.hero-personal-divider{width:52px;height:3px;background:linear-gradient(90deg,#e2b85a,#e2b85a33);border-radius:2px;margin:1.5rem 0}.hero-personal-contact{display:flex;flex-direction:column;gap:.5rem;margin-bottom:2.25rem}.hero-contact-link{display:inline-flex;align-items:center;gap:.5rem;color:#e2e8f0;text-decoration:none;font-size:.9rem;font-weight:500;transition:color .2s;width:fit-content}.hero-contact-link:hover{color:#e2b85a}@media(max-width:1200px){.hero-folksy{height:auto;min-height:100vh;padding:100px 0}.hero-layout-folksy{grid-template-columns:1fr;text-align:center;gap:4rem;padding-top:0}.hero-subtitle-folksy{margin-left:auto;margin-right:auto}.hero-cta-group{justify-content:center;flex-direction:column;width:100%}.btn-folksy-cta{width:100%;max-width:400px}.hero-visual-folksy{justify-content:center;transform:scale(.85)}.hero-lo-identity-block{flex-direction:column;align-items:center;text-align:center}.hero-lo-portrait{width:min(200px,55vw)}.hero-lo-nameplate{align-items:center}.hero-personal-divider{margin-left:auto;margin-right:auto}.hero-personal-creds{justify-content:center}.hero-personal-contact{align-items:center}}@media(max-width:640px){.hero-lo-portrait{width:min(180px,52vw);padding:.5rem;border-radius:24px}.hero-lo-portrait-window{border-radius:18px}}.process-frame.folksy-theme{position:relative;width:100%;max-width:540px;height:540px;perspective:1200px}.soft-background-glow{position:absolute;inset:-40px;background:radial-gradient(circle at center,rgba(212,175,55,.1) 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#f4de8e0f}46%,92%{transform:translateY(-3px);border-color:#f4de8e47;background:#f4de8e1f;box-shadow:inset 0 1px #ffffff0f,0 14px 26px #020c1b29,0 0 18px #f4de8e1a}96%{transform:translateY(-3px);border-color:#f4de8e47;background:#f4de8e1f;box-shadow:inset 0 1px #ffffff0f,0 14px 26px #020c1b29,0 0 18px #f4de8e1a}96.01%{transform:translateY(0);border-color:#ffffff17;background:#ffffff0f;box-shadow:inset 0 1px #ffffff0f}}@keyframes underwritingBlockedPulse{0%,to{box-shadow:0 0 0 8px #ffffff05;transform:translateY(-50%) rotate(45deg) scale(1)}50%{box-shadow:0 0 0 12px #ffffff08;transform:translateY(-50%) rotate(45deg) scale(1.06)}}.personal-pricing-section{position:relative;padding:6.5rem 0;background:radial-gradient(circle at 10% 15%,rgba(212,175,55,.16),transparent 24%),radial-gradient(circle at 85% 82%,rgba(212,175,55,.1),transparent 22%),linear-gradient(135deg,#08162d,#0d2344 52%,#132d56)}.personal-pricing-layout{display:grid;grid-template-columns:minmax(0,.86fr) minmax(360px,1.14fr);gap:3rem;align-items:center}.personal-pricing-copy{max-width:520px}.personal-pricing-title{font-size:clamp(2.8rem,5vw,4.3rem);line-height:.98;color:#fff;max-width:9ch}.personal-pricing-lead{margin-top:1.2rem;color:#ffffffbd;font-size:1.08rem;line-height:1.8;max-width:48ch}.personal-pricing-cta{margin-top:1.8rem}.personal-pricing-stage{position:relative}.personal-pricing-orb{position:absolute;border-radius:999px;filter:blur(26px);pointer-events:none}.personal-pricing-orb-1{width:220px;height:220px;top:-10%;right:14%;background:#d4af372e}.personal-pricing-orb-2{width:180px;height:180px;left:4%;bottom:-6%;background:#ffffff14}.personal-pricing-board{position:relative;overflow:hidden;padding:1.8rem;border-radius:30px;background:#ffffff14;border:1px solid rgba(255,255,255,.12)}.personal-pricing-board:before{content:"";position:absolute;inset:0;background:linear-gradient(120deg,transparent 20%,rgba(255,255,255,.06) 50%,transparent 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#020c1b14;animation:none}.retail-decision-card>*{position:relative;z-index:1}.retail-decision-card .personal-pricing-card-icon{background:#f4de8e1f;color:#fff}.retail-decision-card .personal-pricing-card-eyebrow{color:#f4de8ed1}.retail-decision-card h3{font-size:1.35rem;line-height:1.08}.retail-decision-card p{max-width:24ch}@keyframes pricingFloat{0%,to{transform:translateY(0)}50%{transform:translateY(-8px)}}@keyframes pricingSweep{0%,15%{transform:translate(-100%)}45%,to{transform:translate(100%)}}.personal-advocate-section{padding:6.5rem 0 7rem;background:radial-gradient(circle at 14% 18%,rgba(212,175,55,.14),transparent 24%),linear-gradient(180deg,#f7f4eb,#fdfcf8)}.personal-advocate-layout{display:grid;grid-template-columns:minmax(0,.88fr) minmax(360px,1.12fr);gap:3rem;align-items:center}.personal-advocate-copy{max-width:520px}.personal-advocate-title{font-size:clamp(2.8rem,5vw,4.2rem);line-height:.98;color:var(--color-navy);max-width:9ch}.personal-advocate-lead{margin-top:1.2rem;color:#52627e;font-size:1.08rem;line-height:1.8;max-width:48ch}.personal-advocate-cta{margin-top:1.8rem;min-width:0;padding-inline:2rem;font-size:1.05rem}.personal-advocate-stage{position:relative}.personal-advocate-panel{position:relative;overflow:hidden;padding:1.8rem;border-radius:30px;background:#ffffffdb}.personal-advocate-steps{position:relative;display:grid;gap:1rem}.personal-advocate-steps:before{content:"";position:absolute;left:calc(1.25rem + 23px);top:2.35rem;bottom:2.35rem;width:2px;background:linear-gradient(180deg,#d4af371f,#d4af3747,#d4af371f);z-index:0}.personal-advocate-step{--advocate-delay: 0s;position:relative;isolation:isolate;z-index:1;display:grid;grid-template-columns:auto 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1fr;gap:4rem}.section-title-premium{font-size:2.75rem;margin-bottom:1.5rem;color:var(--color-navy)}.large-lead-text{font-size:1.25rem;color:#334155;margin-bottom:2.5rem;line-height:1.7}.detail-feature-box{display:flex;gap:1.5rem;padding:2.5rem;background:#fff;box-shadow:0 25px 50px -12px #00000014;border-left:4px solid var(--color-gold)}.section-icon{width:40px;height:40px;color:var(--color-gold);flex-shrink:0}.feature-text h3{font-size:1.5rem;margin-bottom:.75rem;color:var(--color-navy)}.feature-text p{font-size:1.05rem;color:#475569;line-height:1.6}.conversion-cards-row{display:flex;flex-direction:column;gap:1.5rem}.deep-dive-sidebar{position:sticky;top:120px;height:fit-content}.calculator-preview-glass{padding:2.5rem;background:#fff;border:1px solid #e2e8f0;border-radius:20px;box-shadow:var(--shadow-2026);overflow:visible!important}.stat-row{display:flex;justify-content:space-between;padding:1rem 0;border-bottom:1px solid rgba(0,0,0,.05);overflow:visible}.stat-row 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translateY(0)}.bg-navy-rich{background:#061224;padding:7rem 0}.white-text h2,.white-text p{color:#fff}.section-header-centered{text-align:center;max-width:700px;margin:0 auto 4rem}.mechanics-grid{display:grid;grid-template-columns:1fr 1fr;gap:2.5rem}.mechanic-card{padding:3rem;background:#ffffff0d;border:1px solid rgba(255,255,255,.1);color:#fff;border-radius:16px}.mechanic-card .section-icon{margin-bottom:1.25rem;color:var(--color-gold)}.mechanic-card h3{margin-bottom:.75rem;font-size:1.75rem}.mechanic-card p{color:#ffffffb3;font-size:1.05rem;line-height:1.6}.eligibility-benefits-section{padding:7rem 0}.split-grid-v2{display:grid;grid-template-columns:1fr 1.2fr;gap:6rem}.premium-check-list{list-style:none;padding:0}.premium-check-list li{display:flex;gap:1.25rem;margin-bottom:1.5rem;font-size:1.2rem;color:#334155}.check-bullet{color:var(--color-gold);margin-top:4px}.pros-box{background:#fff;padding:3rem;border-radius:20px;box-shadow:0 20px 40px #0000000d}.pro-item-folksy{display:flex;align-items:center;gap:1rem;margin-bottom:1.25rem;font-size:1.15rem;font-weight:600;color:var(--color-navy)}.star-icon{color:var(--color-gold)}.cta-micro-card{background:var(--color-navy);padding:3rem;border-radius:20px;color:#fff;text-align:center}.button-v2-full{width:100%}.program-guide-section{padding:7rem 0}.program-grid-v2{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;margin-top:3rem}@media(max-width:1024px){.program-grid-v2{grid-template-columns:repeat(2,1fr)}}.program-path-card{text-decoration:none;padding:2.5rem;background:#fff;border:1px solid #e2e8f0;border-radius:20px;transition:all .5s cubic-bezier(.16,1,.3,1);display:flex;flex-direction:column;height:100%;position:relative;overflow:hidden}.program-path-card:after{content:"";position:absolute;top:-100%;left:-100%;width:200%;height:200%;background:linear-gradient(135deg,#fff0,#fff6,#fff0);transform:rotate(45deg);transition:all .8s 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#00000026}.mc-header{display:flex;justify-content:space-between;margin-bottom:2.5rem;color:var(--color-slate-gray, #64748b);font-size:.85rem;text-transform:uppercase;letter-spacing:2px;font-weight:600}.mc-comparison{display:flex;justify-content:space-between;align-items:center;margin-bottom:2.5rem}.mc-stat .label{display:block;color:var(--color-slate-gray, #64748b);margin-bottom:.5rem;font-size:.95rem}.mc-stat .value{font-size:2.5rem;font-weight:700;font-family:var(--font-serif, serif);line-height:1;color:var(--color-navy, #0a192f)}.mc-stat.bad .value{color:#ef4444}.mc-stat.good .value{color:#22c55e}.mc-divider{color:#0000001a;display:flex;align-items:center}.mc-savings{background:#22c55e1a;border:1px solid rgba(34,197,94,.2);padding:1.25rem;border-radius:1rem;text-align:center;color:#16a34a;font-weight:600;display:flex;align-items:center;justify-content:center;gap:.5rem;font-size:1.1rem}.dc-section{padding:6rem 0;background:var(--color-marble, #fafafa)}.dc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;margin-top:3rem}.dc-feature-box{background:#fff;padding:3rem 2.5rem;border-radius:1.25rem;box-shadow:0 4px 6px -1px #0000000d,0 2px 4px -1px #00000008;transition:all .3s ease;border:1px solid rgba(0,0,0,.03)}.dc-feature-box:hover{transform:translateY(-8px);box-shadow:0 20px 25px -5px #0000001a,0 10px 10px -5px #0000000a;border-color:#c9a66b33}.dc-icon-wrapper{width:60px;height:60px;background:linear-gradient(135deg,#c9a66b1a,#c9a66b0d);color:var(--color-gold, #c9a66b);border-radius:16px;display:flex;align-items:center;justify-content:center;margin-bottom:2rem}.dc-feature-box h3{font-family:var(--font-serif, serif);font-size:1.5rem;color:var(--color-navy, #0a192f);margin-bottom:1rem}.dc-feature-box p{color:var(--color-slate-gray, #64748b);line-height:1.7;font-size:1.05rem}.dc-math-section{padding:8rem 0;background:#fff}.math-split{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center}.math-content h2{font-size:3rem;margin-bottom:1.5rem;line-height:1.2}.math-content p{font-size:1.15rem;line-height:1.8;color:var(--color-slate-gray, #64748b);margin-bottom:1.5rem}.math-visual{background:#fff;padding:4rem 3.5rem;border-radius:1.5rem;position:relative;overflow:hidden;box-shadow:0 25px 50px -12px #0000001a;border:1px solid rgba(0,0,0,.05)}.math-visual:before{content:"";position:absolute;top:-50px;right:-50px;width:200px;height:200px;background:#c9a66b26;border-radius:50%;filter:blur(40px)}.math-row{display:flex;justify-content:space-between;align-items:center;padding:1.75rem 0;border-bottom:1px solid rgba(0,0,0,.08)}.math-row:first-child{padding-top:0}.math-row:last-of-type{border-bottom:none}.math-row .label{display:flex;align-items:center;gap:1rem;color:var(--color-navy, #0a192f);font-weight:600;font-size:1.1rem}.math-row .value{font-family:var(--font-serif, serif);font-size:1.75rem;font-weight:700;color:var(--color-navy, #0a192f)}.math-row.bad .value{color:#ef4444}.math-row.good .value{color:#22c55e}.math-icon{width:40px;height:40px;border-radius:10px;background:var(--color-marble, #fafafa);display:flex;align-items:center;justify-content:center;color:var(--color-gold, #c9a66b);border:1px solid rgba(0,0,0,.03)}.math-total{margin-top:2rem;padding-top:2rem;border-top:2px dashed rgba(0,0,0,.15);display:flex;justify-content:space-between;align-items:center}.math-total .label{color:var(--color-gold, #c9a66b);font-size:1.25rem;font-weight:600}.math-total .value{color:#22c55e;font-size:3.5rem;font-weight:700;font-family:var(--font-serif, serif);line-height:1}.cta-band h2{font-family:var(--font-serif, serif);font-size:3rem;margin-bottom:1.5rem}.cta-band p{font-size:1.25rem;max-width:600px;margin:0 auto 2.5rem;opacity:.9}.btn-premium-inverted{background:var(--color-navy, #0a192f);color:#fff;border:none;padding:1.25rem 3rem;font-size:1.15rem;font-weight:600;border-radius:50px;cursor:pointer;transition:all .3s 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#64748b);margin-bottom:2.5rem;line-height:1.6;max-width:600px}.fs-motion-graphic{position:relative;width:100%;height:500px;display:flex;justify-content:center;align-items:center;perspective:1000px}.motion-path-wrapper{position:relative;width:100%;height:100%;display:flex;flex-direction:column;justify-content:space-between;padding:2rem 0}.skip-node{display:flex;align-items:center;justify-content:space-between;background:#fff;padding:1rem 1.5rem;border-radius:16px;box-shadow:0 10px 30px #0000000d;border:1px solid rgba(0,0,0,.02);width:80%;margin:0 auto;opacity:.6;transform:translateZ(0);transition:all .5s ease;position:relative}.skip-node.active{opacity:1;transform:translateZ(20px) scale(1.02);border-color:var(--color-gold);box-shadow:0 20px 40px #d4af371a}.node-label{display:flex;align-items:center;gap:1rem;font-weight:600;color:var(--color-navy)}.node-status{font-size:.75rem;font-weight:800;letter-spacing:1px;color:var(--color-slate-light)}.node-status.skipped{color:var(--color-gold);text-decoration:line-through}.connecting-line{position:absolute;left:50%;width:2px;background:linear-gradient(to bottom,#f1f5f9,var(--color-gold),#f1f5f9);height:100%;z-index:-1;transform:translate(-50%)}.path-pulse{position:absolute;top:0;left:0;width:100%;height:40px;background:linear-gradient(to bottom,transparent,var(--color-gold),transparent);opacity:.3;animation:pathTravel 3s infinite linear}@keyframes pathTravel{0%{top:-10%}to{top:110%}}.final-status-card{background:var(--color-navy);color:#fff;padding:2rem;border-radius:24px;width:100%;text-align:center;box-shadow:0 30px 60px #0b203f33;position:relative;overflow:hidden;margin-top:1rem}.final-status-card:after{content:"";position:absolute;top:-50%;left:-50%;width:200%;height:200%;background:linear-gradient(45deg,transparent,rgba(212,175,55,.1),transparent);animation:shine 4s infinite linear}@keyframes shine{0%{transform:translate(-100%) rotate(45deg)}to{transform:translate(100%) rotate(45deg)}}.final-status-card h4{color:var(--color-gold);font-size:.9rem;text-transform:uppercase;letter-spacing:2px;margin-bottom:.5rem}.final-status-card .status-value{font-size:2rem;font-weight:800;display:flex;align-items:center;justify-content:center;gap:.75rem}.btn-hero-premium{background:linear-gradient(135deg,var(--color-navy) 0%,#1a365d 100%);color:#fff;padding:1.25rem 3rem;font-size:1.25rem;font-weight:700;border-radius:100px;border:none;cursor:pointer;transition:all .4s cubic-bezier(.175,.885,.32,1.275);box-shadow:0 15px 30px #0b203f33;display:inline-flex;align-items:center;gap:.75rem}.btn-hero-premium:hover{transform:translateY(-3px);box-shadow:0 20px 40px #0b203f4d}.bc-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:2rem;border-bottom:1px solid #f1f5f9;padding-bottom:1rem}.bc-header span{font-weight:700;text-transform:uppercase;letter-spacing:1px;font-size:.8rem;color:var(--color-gold, #c9a66b)}.benefit-list{display:flex;flex-direction:column;gap:1.5rem}.benefit-item{display:flex;align-items:center;gap:1.5rem}.bi-icon{width:48px;height:48px;background:#f8fafc;border-radius:12px;display:flex;align-items:center;justify-content:center;color:var(--color-gold);flex-shrink:0}.bi-info h4{margin:0 0 .25rem;font-size:1.1rem;color:var(--color-navy)}.bi-info p{margin:0;font-size:.95rem;color:#64748b}.fs-section{padding:8rem 0}.fs-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2.5rem;margin-top:4rem}.fs-feature-box{background:#fff;padding:3rem;border-radius:20px;box-shadow:0 10px 30px #00000008;border:1px solid rgba(0,0,0,.03);transition:all .3s ease}.fs-feature-box:hover{transform:translateY(-10px);box-shadow:0 20px 40px #0000000f}.fs-icon-wrapper{width:60px;height:60px;background:#c9a66b1a;border-radius:16px;display:flex;align-items:center;justify-content:center;color:var(--color-gold);margin-bottom:2rem}.fs-feature-box h3{font-size:1.5rem;margin-bottom:1rem}.fs-feature-box p{color:#64748b;line-height:1.7;margin:0}.cta-band{background:linear-gradient(135deg,var(--color-gold, #c9a66b) 0%,#b38b59 100%);padding:6rem 0;text-align:center;color:#fff}.cta-band h2{font-family:var(--font-serif, serif);font-size:3rem;margin-bottom:1.5rem;color:#fff}.cta-band p{font-size:1.25rem;max-width:600px;margin:0 auto 2.5rem;opacity:.9;color:#fff}.btn-premium-inverted{background:var(--color-navy, #0a192f);color:#fff;border:none;padding:1.25rem 3rem;font-size:1.15rem;font-weight:600;border-radius:50px;cursor:pointer;transition:all .3s ease;display:inline-flex;align-items:center;gap:.75rem;text-decoration:none}.btn-premium-inverted:hover{background:#fff;color:var(--color-navy, #0a192f);transform:translateY(-2px);box-shadow:0 15px 30px #00000026}.timeline-accelerator{position:relative;width:100%;height:450px;background:#fdfcf8;border-radius:30px;padding:3rem;overflow:hidden;box-shadow:inset 0 2px 10px #00000005}.timeline-track-label{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:var(--color-slate-light);margin-bottom:2rem}.track-comparison{display:flex;flex-direction:column;gap:4rem}.track-row{position:relative;height:80px}.track-name{font-size:.9rem;font-weight:700;color:var(--color-navy);margin-bottom:1rem;display:flex;justify-content:space-between}.track-bar-bg{width:100%;height:12px;background:#eef2f6;border-radius:10px;position:relative}.track-filler{position:absolute;top:0;left:0;height:100%;border-radius:10px;transition:width 2s cubic-bezier(.16,1,.3,1)}.track-slow .track-filler{background:#94a3b8;width:0}.track-fast .track-filler{background:linear-gradient(to right,var(--color-gold),#eab308);width:0;box-shadow:0 0 20px #d4af3766}.track-slow.active .track-filler{width:100%}.track-fast.active .track-filler{width:45%}.milestone-marker{position:absolute;top:50%;transform:translate(-50%,-50%);width:32px;height:32px;background:#fff;border-radius:50%;border:2px solid #eef2f6;display:flex;align-items:center;justify-content:center;color:#94a3b8;font-size:10px;z-index:2;transition:all .3s ease}.track-fast .milestone-marker{border-color:var(--color-gold);color:var(--color-gold)}.track-fast.active .milestone-marker{box-shadow:0 0 15px #d4af374d}.acceleration-spark{position:absolute;right:0;top:50%;width:60px;height:60px;background:#fff;border-radius:50%;transform:translate(50%,-50%);display:flex;align-items:center;justify-content:center;color:#10b981;box-shadow:0 10px 20px #10b98126;border:1px solid rgba(16,185,129,.2);font-size:1.5rem}.speed-lines{position:absolute;top:0;left:0;width:100%;height:100%;pointer-events:none;overflow:hidden}.speed-line{position:absolute;height:1px;background:linear-gradient(to right,transparent,rgba(212,175,55,.2),transparent);width:100px;animation:speedLineFlow 1s infinite linear}@keyframes speedLineFlow{0%{transform:translate(-150%)}to{transform:translate(350%)}}.time-capsule{position:absolute;bottom:2rem;right:3rem;background:var(--color-navy);color:#fff;padding:1rem 1.5rem;border-radius:12px;font-size:.85rem;font-weight:700;box-shadow:0 15px 30px #0000001a}.time-capsule span{color:var(--color-gold);font-size:1.25rem;margin-right:.5rem}.ar-value span{font-size:.9rem;font-weight:700;margin-left:.25rem}.fs-luxury-skip{position:relative;width:100%;height:260px;background:transparent;border:none;display:flex;justify-content:center;align-items:center;padding:0;overflow:visible}.tile-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;width:100%;max-width:580px;z-index:5}.skip-tile{background:#fff;border:1px solid rgba(212,175,55,.15);border-radius:20px;padding:1.25rem 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