
:root{--navy:#071d46;--navy-2:#0b2b64;--navy-3:#123c86;--blue:#64a9ff;--blue-2:#8bc2ff;--ice:#eef6ff;--bg:#f6f9fd;--ink:#0d2345;--text:#334b70;--muted:#687b98;--line:#dce7f4;--white:#fff;--shadow:0 20px 60px rgba(7,29,70,.10);--shadow-sm:0 10px 30px rgba(7,29,70,.07);--radius:24px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.55;-webkit-font-smoothing:antialiased}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}.container{width:min(1180px,calc(100% - 40px));margin-inline:auto}.narrow{max-width:820px}.skip-link{position:fixed;left:16px;top:-80px;z-index:100;background:#fff;color:#111;padding:10px 14px;border-radius:10px;box-shadow:var(--shadow);transition:.2s}.skip-link:focus{top:16px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(16px);border-bottom:1px solid rgba(213,225,240,.9)}.nav-row{height:78px;display:flex;align-items:center;justify-content:space-between;gap:22px}.brand{display:flex;align-items:center;gap:13px;min-width:max-content}.brand img{height:31px;width:auto}.brand-sep{height:28px;width:1px;background:#d8e2ef}.brand-name{font-family:Manrope,sans-serif;font-weight:800;font-size:14px;color:#172d50}.desktop-nav{display:flex;align-items:center;gap:22px}.desktop-nav a{font-size:13.5px;font-weight:700;color:#3d5375;transition:.18s}.desktop-nav a:hover,.desktop-nav a.active{color:#1e6fd4}.nav-cta{display:flex;align-items:center;gap:12px}.phone-link{font-size:13px;font-weight:800;color:#183764}.menu-toggle{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:12px;background:#fff;padding:10px;cursor:pointer}.menu-toggle span{display:block;height:2px;background:#17335f;margin:4px 0;border-radius:2px}.mobile-nav{display:none;padding:4px 20px 18px;border-top:1px solid #edf2f7}.mobile-nav a{display:block;padding:10px 0;font-weight:700;color:#2a4268}.mobile-nav .mobile-apply{color:#1e6fd4}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border:1px solid transparent;border-radius:13px;padding:13px 18px;font-weight:800;font-size:13.5px;line-height:1.2;transition:transform .18s ease,box-shadow .18s ease,background .18s ease;cursor:pointer}.btn svg,.card-link svg,.profile-link svg,.application-choice>svg,.mobile-action-bar svg{width:17px;height:17px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.btn:hover{transform:translateY(-1px)}.btn-small{padding:11px 15px}.btn-lg{padding:15px 20px;font-size:14px}.btn-full{width:100%}.btn-primary{background:linear-gradient(135deg,#72b5ff 0%,#4e94ff 100%);color:#06204d;box-shadow:0 12px 28px rgba(78,148,255,.24)}.btn-primary:hover{box-shadow:0 16px 34px rgba(78,148,255,.32)}.btn-outline{border-color:#bfd3ea;background:#fff;color:#14345f}.btn-outline:hover{border-color:#8db5e5;background:#f8fbff}.btn-ghost{border-color:rgba(255,255,255,.34);color:#fff;background:rgba(255,255,255,.04)}.btn-light{background:#fff;color:#092652;box-shadow:0 12px 28px rgba(0,0,0,.13)}
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,#071d46 0%,#0d2d65 58%,#15488e 100%);color:#fff}.hero-home{padding:68px 0 58px}.hero-orb{position:absolute;border-radius:999px;filter:blur(2px);pointer-events:none}.orb-a{width:540px;height:540px;background:radial-gradient(circle,rgba(100,169,255,.22),transparent 65%);right:-160px;top:-160px}.orb-b{width:400px;height:400px;background:radial-gradient(circle,rgba(68,121,214,.18),transparent 65%);left:36%;bottom:-250px}.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.08fr .92fr;gap:58px;align-items:center}.hero-eyebrow{font-size:11.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:#91c5ff;margin-bottom:18px}.hero-copy h1{font-family:Manrope,sans-serif;font-weight:800;font-size:clamp(48px,5.8vw,76px);letter-spacing:-.055em;line-height:.98;margin:0 0 22px}.hero-copy h1 span{color:#72b4ff}.hero-lede{font-size:18px;color:#d8e5f8;max-width:700px;margin:0 0 30px}.hero-actions{display:flex;flex-wrap:wrap;gap:12px}.hero-text-links{display:flex;align-items:center;gap:12px;margin-top:17px;font-size:12.5px;color:#bdd4f4}.hero-text-links a{font-weight:700}.hero-text-links a:hover{color:#fff}.trust-metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:30px}.trust-metrics div{padding:15px 16px;border:1px solid rgba(255,255,255,.13);background:rgba(255,255,255,.055);border-radius:16px}.trust-metrics strong,.trust-metrics span{display:block}.trust-metrics strong{font-size:17px}.trust-metrics span{font-size:11.5px;color:#c9dafa;margin-top:3px}.hero-visual{position:relative;padding:10px 4px 52px}.portrait-card{position:relative;border:1px solid rgba(255,255,255,.15);background:rgba(255,255,255,.08);padding:12px;border-radius:28px;box-shadow:0 35px 80px rgba(3,16,40,.38)}.portrait-card img{aspect-ratio:1/1;object-fit:cover;object-position:center top;border-radius:20px;width:100%}.portrait-overlay{position:absolute;left:28px;bottom:28px;display:flex;align-items:center;gap:10px;background:rgba(5,23,55,.84);backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.10);padding:11px 14px;border-radius:14px}.verified-dot{width:9px;height:9px;background:#6db2ff;border-radius:50%;box-shadow:0 0 0 4px rgba(109,178,255,.16)}.portrait-overlay strong,.portrait-overlay small{display:block}.portrait-overlay strong{font-size:13.5px}.portrait-overlay small{font-size:10.5px;color:#bdd2f1;margin-top:2px}.quote-float{position:absolute;right:-16px;bottom:0;width:260px;background:#fff;color:var(--ink);border-radius:20px;padding:16px 18px;box-shadow:0 18px 48px rgba(3,17,42,.28)}.quote-float .quote-mark{font-family:Georgia,serif;color:#58a2ff;font-size:32px;line-height:.8}.quote-float p{font-family:Manrope,sans-serif;font-weight:800;font-size:15px;line-height:1.3;margin:3px 0 7px}.quote-float span{font-size:10.5px;color:var(--muted)}
.credibility-strip{background:#fff;border-bottom:1px solid #edf2f8}.credibility-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}.credibility-grid>div{display:flex;align-items:center;gap:12px;padding:22px 22px;border-right:1px solid #e7eef7}.credibility-grid>div:last-child{border-right:0}.credibility-grid svg{width:24px;height:24px;fill:none;stroke:#3d89e6;stroke-width:1.8}.credibility-grid strong,.credibility-grid small{display:block}.credibility-grid strong{font-size:13px}.credibility-grid small{font-size:10.5px;color:var(--muted);margin-top:2px}
.section{padding:88px 0}.section-soft{background:var(--bg)}.section-navy{background:linear-gradient(135deg,#081f49,#0b2d68);color:#fff}.section-heading{margin-bottom:34px}.section-heading.centered{text-align:center;max-width:800px;margin:0 auto 36px}.section-kicker{display:inline-block;font-size:11.5px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:#2e7cd8;margin-bottom:14px}.section-kicker.light{color:#8fc3ff}.section h2,.subhero h1{font-family:Manrope,sans-serif;font-weight:800;letter-spacing:-.045em;line-height:1.04}.section h2{font-size:clamp(34px,4vw,52px);margin:0 0 15px}.section-heading p,.body-lg{font-size:16.5px;color:var(--muted);margin:0}.section-navy p{color:#cbdaf3}
.solution-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}.solution-card{position:relative;display:flex;flex-direction:column;min-height:315px;padding:24px;border:1px solid var(--line);border-radius:23px;background:#fff;box-shadow:var(--shadow-sm);transition:.2s ease}.solution-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#bcd4ee}.solution-card.featured{background:linear-gradient(180deg,#edf6ff,#fff);border-color:#bcd7f4}.solution-icon{width:49px;height:49px;border-radius:14px;background:#eef6ff;color:#2775d6;display:grid;place-items:center;margin-bottom:22px}.solution-icon.small{width:44px;height:44px;margin-bottom:16px}.solution-icon svg{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}.card-tag{font-size:10.5px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#66809f}.solution-card h3{font-family:Manrope,sans-serif;font-size:21px;letter-spacing:-.03em;line-height:1.12;margin:7px 0 10px}.solution-card p{font-size:13.5px;color:var(--muted);margin:0 0 22px}.card-link{display:flex;align-items:center;gap:6px;margin-top:auto;font-size:12.5px;font-weight:800;color:#216dd0}
.advantage-grid,.compare-grid,.partner-grid,.two-col,.heloc-details-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}.advantage-copy>p{font-size:17px;color:var(--muted);max-width:680px}.check-list{display:grid;gap:16px;margin-top:28px}.check-item{display:flex;gap:13px}.check-icon{flex:0 0 30px;width:30px;height:30px;border-radius:10px;background:#eaf4ff;color:#2676d8;display:grid;place-items:center}.check-icon svg{width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:2.6}.check-item strong{font-size:14px}.check-item p{font-size:12.5px;color:var(--muted);margin:3px 0 0}.apply-panel{background:#fff;border:1px solid var(--line);border-radius:26px;padding:27px;box-shadow:var(--shadow)}.panel-label{font-size:10px;font-weight:800;letter-spacing:.14em;color:#2b78d7}.apply-panel h3,.subhero-panel h3{font-family:Manrope,sans-serif;font-size:29px;line-height:1.1;letter-spacing:-.035em;margin:10px 0 10px}.apply-panel>p,.subhero-panel>p{color:var(--muted);font-size:14px}.application-choice{display:grid;grid-template-columns:42px 1fr 20px;gap:12px;align-items:center;padding:14px;border:1px solid #d8e6f5;border-radius:16px;margin-top:12px;transition:.18s}.application-choice:hover{border-color:#9ec4ee;background:#f7fbff}.application-choice.primary{background:#eef6ff;border-color:#b9d7f5}.application-choice>span{width:40px;height:40px;border-radius:12px;display:grid;place-items:center;background:#fff;color:#226fd0}.application-choice>span svg{width:21px;height:21px;fill:none;stroke:currentColor;stroke-width:1.8}.application-choice strong,.application-choice small{display:block}.application-choice strong{font-size:13px}.application-choice small{font-size:10px;color:var(--muted);margin-top:2px}.panel-foot{font-size:11.5px!important;margin:16px 0 0!important;text-align:center}.panel-foot a{font-weight:800;color:#226fd0}
.testimonial-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.testimonial-card,.review-card{border:1px solid var(--line);border-radius:24px;background:#fff;padding:23px;box-shadow:var(--shadow-sm)}.review-source{display:flex;align-items:center;gap:7px;font-size:10px;font-weight:700;color:#71839d}.google-g{display:grid;place-items:center;width:20px;height:20px;border-radius:50%;border:1px solid #dfe7f1;color:#4285f4;font-weight:900;background:#fff}.stars{color:#f2b42b;font-size:13px;letter-spacing:2px;margin:14px 0 10px}.stars.large{font-size:19px}.testimonial-card blockquote,.review-card blockquote{font-size:14px;line-height:1.65;color:#213a5d;margin:0 0 18px}.reviewer strong,.reviewer span{display:block}.reviewer strong{font-size:13px}.reviewer span{font-size:10.5px;color:var(--muted);margin-top:2px}.center-action{text-align:center;margin-top:26px}
.process-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:58px;align-items:center}.process-intro h2{color:#fff}.process-steps{display:grid}.process-step{display:grid;grid-template-columns:58px 1fr;gap:18px;padding:20px 0;border-bottom:1px solid rgba(255,255,255,.13)}.process-step:last-child{border-bottom:0}.process-step>span{font-family:Manrope,sans-serif;font-weight:800;font-size:18px;color:#7fbbff}.process-step strong{font-size:16px}.process-step p{font-size:12.5px;margin:4px 0 0;color:#bed1ee}.realtor-strip{display:flex;align-items:center;justify-content:space-between;gap:28px;padding:28px 32px;border:1px solid #d3e3f4;background:linear-gradient(135deg,#f3f8ff,#fff);border-radius:26px}.realtor-strip h2{font-size:30px;margin-bottom:9px}.realtor-strip p{color:var(--muted);margin:0;max-width:760px}
.contact-section{background:linear-gradient(180deg,#f5f8fc,#fff)}.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}.contact-copy>p{color:var(--muted);font-size:16px;max-width:540px}.contact-options{display:grid;gap:10px;margin-top:24px}.contact-options a{display:flex;align-items:center;gap:12px;border:1px solid var(--line);background:#fff;border-radius:17px;padding:13px 15px;box-shadow:0 6px 20px rgba(7,29,70,.04)}.contact-options a>span{width:36px;height:36px;border-radius:11px;display:grid;place-items:center;background:#edf5ff;color:#236dd0}.contact-options svg{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:1.8}.contact-options small,.contact-options strong{display:block}.contact-options small{font-size:9.5px;color:var(--muted)}.contact-options strong{font-size:12.5px;margin-top:1px}.profile-link{display:flex;align-items:center;gap:7px;font-size:12px;font-weight:800;color:#216dd0;margin-top:18px}.lead-form{background:#fff;border:1px solid var(--line);border-radius:26px;padding:26px;box-shadow:var(--shadow)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:13px}.lead-form label{display:grid;gap:7px;font-size:11.5px;font-weight:800;color:#19375f;margin-bottom:13px}.lead-form input,.lead-form select,.lead-form textarea{width:100%;border:1px solid #d5e2f1;border-radius:13px;padding:12px 13px;color:var(--ink);background:#fff;outline:none}.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{border-color:#7fb3ee;box-shadow:0 0 0 3px rgba(91,155,255,.11)}.form-note{font-size:10px;color:var(--muted);margin:11px 0 0;line-height:1.5}.final-cta-section{padding-top:30px;background:#fff}.final-cta{display:flex;align-items:center;justify-content:space-between;gap:30px;padding:34px 36px;border-radius:28px;background:linear-gradient(135deg,#071d46,#0e3475);color:#fff;box-shadow:0 24px 70px rgba(7,29,70,.18)}.final-cta h2{color:#fff;font-size:36px;margin-bottom:9px}.final-cta p{color:#c9daf3;margin:0}.final-actions{display:flex;gap:11px;flex-wrap:wrap;justify-content:flex-end}
.subhero{background:linear-gradient(135deg,#f8fbff,#eef5ff);border-bottom:1px solid #e2ebf6;padding:72px 0 56px}.subhero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:48px;align-items:center}.subhero-copy h1{font-size:clamp(43px,5.2vw,67px);margin:0 0 18px;color:var(--navy)}.subhero-copy>p{font-size:17px;color:var(--muted);margin:0 0 28px;max-width:720px}.subhero-panel{border:1px solid var(--line);background:#fff;border-radius:26px;padding:28px;box-shadow:var(--shadow)}.roadmap{display:grid;gap:0;margin-top:14px}.roadmap>div{display:grid;grid-template-columns:44px 1fr;column-gap:12px;padding:15px 0;border-bottom:1px solid #e8eef6}.roadmap>div:last-child{border-bottom:0}.roadmap>div>span{grid-row:1/3;display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:#eef6ff;color:#2874d5;font-size:11px;font-weight:800}.roadmap strong,.roadmap small{display:block}.roadmap strong{font-size:13px}.roadmap small{font-size:10.5px;color:var(--muted);margin-top:2px}.chip-row{display:flex;gap:8px;flex-wrap:wrap;margin-top:24px}.chip-row span,.large-chips span{font-size:11px;font-weight:800;color:#264d80;background:#fff;border:1px solid #d6e5f5;border-radius:999px;padding:9px 12px}.large-chips{display:flex;gap:9px;flex-wrap:wrap;margin-top:20px}.three-grid,.four-grid{display:grid;gap:17px}.three-grid{grid-template-columns:repeat(3,1fr)}.four-grid{grid-template-columns:repeat(4,1fr)}.info-card,.step-card{border:1px solid var(--line);background:#fff;border-radius:22px;padding:22px;box-shadow:var(--shadow-sm)}.number-chip{display:grid;place-items:center;width:34px;height:34px;border-radius:10px;background:#edf5ff;color:#2874d5;font-size:10px;font-weight:800;margin-bottom:17px}.info-card h3,.step-card h3{font-family:Manrope,sans-serif;font-size:20px;line-height:1.15;letter-spacing:-.025em;margin:0 0 9px}.info-card p,.step-card p{font-size:13px;color:var(--muted);margin:0 0 14px}.info-card a{display:flex;align-items:center;gap:5px;font-size:12px;color:#216dd0;font-weight:800}.info-card a svg{width:15px;height:15px;fill:none;stroke:currentColor;stroke-width:2}.program-list{display:grid;gap:11px}.program-list>div{padding:17px 18px;border:1px solid var(--line);background:#fff;border-radius:16px}.program-list strong,.program-list span{display:block}.program-list strong{font-size:13px}.program-list span{font-size:11.5px;color:var(--muted);margin-top:3px}.testimonial-feature{display:grid;grid-template-columns:100px 1fr 180px;gap:24px;align-items:center;border:1px solid #d4e4f5;background:linear-gradient(135deg,#fbfdff,#f3f8ff);border-radius:25px;padding:28px 30px}.testimonial-feature .stars{margin:0}.testimonial-feature blockquote{font-family:Manrope,sans-serif;font-size:17px;line-height:1.55;color:#1b365d;margin:0}.testimonial-feature>div:last-child strong,.testimonial-feature>div:last-child span{display:block}.testimonial-feature>div:last-child strong{font-size:13px}.testimonial-feature>div:last-child span{font-size:10.5px;color:var(--muted);margin-top:3px}.disclaimer-note{text-align:center;font-size:10px;color:var(--muted);margin:12px 0 0}.save-contact{display:inline-flex;margin-top:17px;font-size:12px;font-weight:800;color:#216dd0}.realtor-hero{background:linear-gradient(135deg,#f7fbff,#eef5ff)}
.heloc-hero{padding:68px 0 54px}.heloc-hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}.heloc-metrics{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.heloc-metrics>div{border:1px solid rgba(255,255,255,.14);background:rgba(255,255,255,.055);border-radius:18px;padding:19px}.heloc-metrics strong,.heloc-metrics small{display:block}.heloc-metrics strong{font-size:21px;margin-top:12px}.heloc-metrics small{font-size:10px;color:#c6d9f4;text-transform:uppercase;letter-spacing:.06em;margin-top:2px}.metric-icon{width:34px;height:34px;display:grid;place-items:center;border-radius:10px;border:1px solid rgba(255,255,255,.18);color:#8dc2ff;font-weight:800}.table-card{border:1px solid var(--line);background:#fff;border-radius:24px;overflow:hidden;box-shadow:var(--shadow)}.table-head{padding:19px 20px;border-bottom:1px solid #e2ebf5;background:#f8fbff}.table-head span,.table-head small{display:block}.table-head span{font-family:Manrope,sans-serif;font-size:18px;font-weight:800}.table-head small{font-size:9.5px;color:var(--muted);margin-top:2px}.kv-table>div{display:flex;justify-content:space-between;gap:18px;padding:11px 16px;border-bottom:1px solid #edf2f7;font-size:11.5px}.kv-table>div:last-child{border-bottom:0}.kv-table span{color:var(--muted)}.kv-table strong{text-align:right}.table-note{font-size:9.5px;color:var(--muted);padding:14px 16px;margin:0;background:#fbfdff}.use-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}.use-grid span{display:grid;place-items:center;min-height:54px;padding:10px;border:1px solid #d8e5f3;background:#fff;border-radius:14px;text-align:center;font-size:11px;font-weight:700;color:#294a76;box-shadow:0 6px 18px rgba(7,29,70,.035)}
.reviews-hero .subhero-panel{text-align:center}.review-score{font-family:Manrope,sans-serif;font-size:68px;font-weight:800;letter-spacing:-.06em;color:#0e2f68;line-height:.9}.review-score-panel strong{display:block;font-size:15px;margin-top:7px}.review-score-panel p{font-size:11px}.review-summary{background:#fff;border-bottom:1px solid #edf2f7}.summary-grid{display:grid;grid-template-columns:repeat(4,1fr)}.summary-grid>div{padding:21px 22px;border-right:1px solid #e8eef6}.summary-grid>div:last-child{border-right:0}.summary-grid strong,.summary-grid span{display:block}.summary-grid strong{font-size:13px}.summary-grid span{font-size:10.5px;color:var(--muted);margin-top:3px}.reviews-masonry{columns:3;column-gap:17px}.review-card{break-inside:avoid;margin:0 0 17px}.review-card-top{display:flex;justify-content:space-between;gap:8px;align-items:center}.review-card-top .stars{margin:0}.google-review{font-size:9px;color:#7587a1;white-space:nowrap}.google-review b{color:#4285f4;font-size:12px;margin-right:3px}.review-card blockquote{margin-top:15px}.review-card-bottom strong,.review-card-bottom span{display:block}.review-card-bottom strong{font-size:12.5px}.review-card-bottom span{font-size:9.5px;color:var(--muted);margin-top:2px}
.disclosures-hero .narrow{padding:0}.disclosure-layout{display:grid;grid-template-columns:1fr 1fr;gap:18px}.disclosure-card{border:1px solid var(--line);background:#fff;border-radius:24px;padding:24px;box-shadow:var(--shadow-sm)}.disclosure-card h2{font-size:25px}.disclosure-card p{font-size:12.5px;color:var(--text)}.disclosure-links{display:grid;gap:8px;margin-top:17px}.disclosure-links a,.inline-link{font-size:12px;font-weight:800;color:#216dd0}
.footer{background:#061a3e;color:#fff;padding:54px 0 90px}.footer-main{display:grid;grid-template-columns:1.25fr .8fr 1fr;gap:35px}.footer-logo{height:34px;width:auto;margin-bottom:17px}.footer-brand-col p{font-size:11.5px;color:#c9d8ee;margin:4px 0}.footer-brand-col p strong{color:#fff}.footer-contact{display:flex;gap:12px;flex-wrap:wrap;margin-top:13px}.footer-contact a{font-size:11.5px;font-weight:800}.footer h4{font-size:12px;margin:0 0 13px;color:#fff}.footer-links{display:grid;gap:7px}.footer-links a{font-size:11px;color:#c7d7ee}.footer-links a:hover{color:#fff}.eho{width:145px;margin-top:16px;filter:brightness(1.15)}.compliance-bar{margin-top:30px;padding-top:20px;border-top:1px solid rgba(255,255,255,.11)}.compliance-bar p{font-size:9.5px;color:#b9cae4;line-height:1.55;margin:4px 0}.compliance-bar p strong{color:#dbe8f8}.mobile-action-bar{display:none;position:fixed;z-index:70;left:10px;right:10px;bottom:9px;padding:8px;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border:1px solid #d7e3f0;box-shadow:0 16px 42px rgba(7,29,70,.18);border-radius:17px;grid-template-columns:1fr 1fr;gap:8px}.mobile-action-bar a{display:flex;align-items:center;justify-content:center;gap:7px;min-height:46px;border-radius:11px;font-size:12px;font-weight:800}.mobile-action-bar a:first-child{background:#edf5ff;color:#15345f}.mobile-action-bar a:last-child{background:linear-gradient(135deg,#72b5ff,#4e94ff);color:#08214c}
.reveal{opacity:0;transform:translateY(12px);transition:opacity .55s ease,transform .55s ease}.reveal.visible{opacity:1;transform:none}@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.btn,.solution-card{transition:none}}
@media(max-width:1080px){.desktop-nav{gap:15px}.desktop-nav a{font-size:12.5px}.phone-link{display:none}.solution-grid{grid-template-columns:repeat(2,1fr)}.credibility-grid{grid-template-columns:repeat(2,1fr)}.credibility-grid>div:nth-child(2){border-right:0}.credibility-grid>div:nth-child(-n+2){border-bottom:1px solid #e7eef7}.four-grid{grid-template-columns:repeat(2,1fr)}.use-grid{grid-template-columns:repeat(3,1fr)}.reviews-masonry{columns:2}}
@media(max-width:820px){.container{width:min(100% - 30px,1180px)}.nav-row{height:68px}.brand-sep,.brand-name,.desktop-nav,.nav-cta>.phone-link,.nav-cta>.btn{display:none}.menu-toggle{display:block}.mobile-nav.open{display:block}.hero-home{padding:46px 0 36px}.hero-grid,.subhero-grid,.heloc-hero-grid,.advantage-grid,.compare-grid,.partner-grid,.two-col,.heloc-details-grid,.contact-grid,.process-grid,.footer-main,.disclosure-layout{grid-template-columns:1fr}.hero-copy h1{font-size:48px}.hero-lede{font-size:16px}.hero-visual{max-width:580px;margin:auto}.quote-float{right:6px}.credibility-grid{grid-template-columns:1fr 1fr}.solution-grid,.three-grid,.testimonial-grid{grid-template-columns:1fr}.section{padding:68px 0}.section h2{font-size:36px}.process-grid{gap:25px}.realtor-strip,.final-cta{display:block}.realtor-strip .btn,.final-actions{margin-top:20px}.final-actions{justify-content:flex-start}.testimonial-feature{grid-template-columns:1fr}.testimonial-feature blockquote{font-size:15px}.form-row{grid-template-columns:1fr}.summary-grid{grid-template-columns:1fr 1fr}.summary-grid>div:nth-child(2){border-right:0}.summary-grid>div:nth-child(-n+2){border-bottom:1px solid #e8eef6}.reviews-masonry{columns:1}.footer{padding-bottom:125px}.mobile-action-bar{display:grid}.subhero{padding:50px 0 42px}.subhero-copy h1{font-size:44px}.review-score{font-size:58px}.heloc-metrics{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.hero-copy h1,.subhero-copy h1{font-size:40px}.hero-actions .btn{width:100%}.hero-text-links{flex-wrap:wrap}.trust-metrics{grid-template-columns:1fr}.portrait-overlay{left:22px;bottom:22px}.quote-float{position:relative;right:auto;bottom:auto;width:auto;margin:12px 0 0}.credibility-grid,.four-grid,.summary-grid,.heloc-metrics,.use-grid{grid-template-columns:1fr}.credibility-grid>div{border-right:0;border-bottom:1px solid #e7eef7}.credibility-grid>div:last-child{border-bottom:0}.section{padding:58px 0}.section h2{font-size:32px}.apply-panel,.lead-form{padding:21px}.review-card-top{display:block}.google-review{display:inline-block;margin-top:6px}.final-cta{padding:27px 24px}.final-cta h2{font-size:30px}.about-meta{grid-template-columns:1fr}}

.license-verify{margin-top:14px}.license-verify a{font-size:10.5px;font-weight:700;color:#bad8ff;text-decoration:underline;text-underline-offset:3px}.license-verify a:hover{color:#fff}
