:root{--navy:#0d233f;--blue:#173b66;--gold:#c99a3d;--cream:#f6f1e7;--ink:#172033;--muted:#637083;--white:#fff;--shadow:0 24px 60px rgba(13,35,63,.18);--radius:24px}*{box-sizing:border-box}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,sans-serif;color:var(--ink);background:#fff;line-height:1.6}a{color:inherit}.topbar{position:sticky;top:0;z-index:20;display:flex;justify-content:space-between;align-items:center;padding:16px 5vw;background:rgba(255,255,255,.95);backdrop-filter:blur(12px);border-bottom:1px solid #e8edf3}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:800;color:var(--navy)}.brand span span{color:var(--gold)}.brand-mark{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--navy);color:white;font-weight:800}nav{display:flex;align-items:center;gap:24px;font-size:14px;font-weight:700}nav a{text-decoration:none;color:var(--blue)}.nav-cta{background:var(--gold);color:#fff!important;padding:10px 16px;border-radius:999px}.hero{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding:72px 5vw 56px;background:linear-gradient(135deg,var(--cream),#fff 56%,#edf4fb)}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-weight:800;font-size:12px;color:var(--gold);margin:0 0 12px}h1,h2{font-family:"Playfair Display",Georgia,serif;color:var(--navy);line-height:1.05;margin:0 0 18px}h1{font-size:clamp(40px,6vw,76px)}h2{font-size:clamp(32px,4vw,50px)}h3{color:var(--navy);font-size:22px;margin:14px 0 8px}.hero-sub{font-size:20px;max-width:680px;color:#3b485a}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0}.button{display:inline-flex;justify-content:center;align-items:center;border:0;border-radius:999px;padding:14px 22px;font-weight:800;text-decoration:none;cursor:pointer}.primary{background:var(--gold);color:#fff;box-shadow:0 10px 24px rgba(201,154,61,.28)}.secondary{background:#fff;color:var(--navy);border:1px solid #d5dde8}.license-row{display:flex;gap:12px;flex-wrap:wrap;color:var(--blue);font-size:13px;font-weight:800}.license-row span{background:#fff;border:1px solid #e2e7ef;border-radius:999px;padding:8px 12px}.hero-card{position:relative}.hero-card img{width:100%;border-radius:var(--radius);box-shadow:var(--shadow);display:block}.credential-card{position:absolute;left:24px;right:24px;bottom:24px;background:rgba(255,255,255,.92);padding:18px;border-radius:18px;box-shadow:0 16px 36px rgba(0,0,0,.15)}.credential-card strong{display:block;color:var(--navy);font-size:20px}.credential-card span{color:var(--gold);font-weight:800}.quick-form{display:grid;grid-template-columns:.8fr 1.2fr;gap:36px;padding:58px 5vw;background:var(--navy);color:#fff}.quick-form h2{color:#fff}.quick-form p{color:#d7e1ec}.lead-form{display:grid;grid-template-columns:1fr 1fr;gap:16px;background:#fff;color:var(--ink);padding:26px;border-radius:var(--radius);box-shadow:var(--shadow)}label{font-size:13px;font-weight:800;color:var(--blue)}input,select,textarea{width:100%;margin-top:7px;padding:14px;border:1px solid #d7dfeb;border-radius:14px;font:inherit;background:#fbfcfe}.full{grid-column:1/-1}.fine-print{font-size:12px;color:var(--muted)!important;margin:0}.trust-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#dfe7ef;padding:1px}.trust-strip div{background:#fff;padding:30px;text-align:center}.trust-strip strong{display:block;color:var(--navy);font-size:30px}.trust-strip span{color:var(--muted);font-weight:700}.split{display:grid;grid-template-columns:1fr .9fr;gap:44px;align-items:center;padding:76px 5vw}.rounded-img{width:100%;border-radius:var(--radius);box-shadow:var(--shadow)}.checklist{padding:0;list-style:none}.checklist li{margin:10px 0;padding-left:30px;position:relative}.checklist li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:900}.text-link{font-weight:900;color:var(--blue)}.cards{padding:72px 5vw;background:#f7f9fc;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.section-heading{grid-column:1/-1;max-width:760px}.service-card{background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:0 12px 34px rgba(13,35,63,.09)}.service-card img{width:100%;height:220px;object-fit:cover;display:block}.service-card h3,.service-card p{padding:0 22px}.service-card p{padding-bottom:22px;color:var(--muted)}.about{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;padding:76px 5vw;background:linear-gradient(135deg,#fff,var(--cream))}.about-card,.quote-card{background:#fff;border-radius:var(--radius);padding:34px;box-shadow:0 12px 34px rgba(13,35,63,.08)}.quote-card{background:var(--blue);color:#fff;display:flex;flex-direction:column;justify-content:center}.quote-card h3{color:#fff;font-size:30px;line-height:1.2}.licenses{color:var(--navy)}.final-cta{text-align:center;padding:80px 5vw;background:var(--navy);color:#fff}.final-cta h2{color:#fff}footer{text-align:center;padding:36px 5vw;background:#071628;color:#d8e2ef}footer a{color:#fff}.thanks-page{min-height:100vh;display:grid;place-items:center;background:var(--cream)}.thanks-box{text-align:center;background:#fff;padding:44px;border-radius:24px;box-shadow:var(--shadow)}@media (max-width:850px){nav a:not(.nav-cta){display:none}.hero,.quick-form,.split,.about{grid-template-columns:1fr;padding:44px 5vw}.lead-form,.cards,.trust-strip{grid-template-columns:1fr}.hero-card{order:-1}h1{font-size:42px}.hero-sub{font-size:18px}.service-card img{height:190px}}

.calculator-section{padding:76px 5vw;background:#fff}.calculator-card{background:#f7f9fc;border-radius:var(--radius);padding:28px;box-shadow:0 12px 34px rgba(13,35,63,.08);max-width:980px}.calc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:18px}.calc-result{margin:22px 0;padding:22px;border-radius:18px;background:var(--navy);color:#fff;display:flex;justify-content:space-between;gap:18px;align-items:center}.calc-result span{font-weight:800;color:#d7e1ec}.calc-result strong{font-size:clamp(26px,4vw,42px);color:#fff}.hard-money{background:linear-gradient(135deg,#fff,var(--cream))}.newsletter{display:grid;grid-template-columns:1fr .9fr;gap:34px;align-items:center;padding:76px 5vw;background:var(--blue);color:#fff}.newsletter h2{color:#fff}.newsletter p{color:#d7e1ec}.newsletter-form{background:#fff;color:var(--ink);padding:26px;border-radius:var(--radius);box-shadow:var(--shadow);display:grid;gap:16px}.checklist.light li{color:#fff}.checklist.light li:before{color:var(--gold)}@media(max-width:850px){.calc-grid,.newsletter{grid-template-columns:1fr}.calc-result{display:block}.calculator-section{padding:44px 5vw}}
.calc-grid.expanded{grid-template-columns:repeat(3,1fr)}
.calc-result.stacked{display:grid;grid-template-columns:repeat(4,1fr);align-items:stretch}
.calc-result.stacked div{background:rgba(255,255,255,.08);border-radius:14px;padding:16px}
.calc-result.stacked strong{display:block;font-size:clamp(24px,3vw,34px);margin-top:6px}
.calc-result.stacked .total{background:rgba(201,154,61,.22)}
.mini-newsletter{padding:76px 5vw;background:#f7f9fc;display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.newsletter-issue{background:#fff;border-radius:var(--radius);padding:26px;box-shadow:0 12px 34px rgba(13,35,63,.08)}
.newsletter-issue h3{margin-top:0}
.newsletter-issue p{color:var(--muted);margin-bottom:0}
@media(max-width:850px){.calc-grid.expanded,.calc-result.stacked,.mini-newsletter{grid-template-columns:1fr}.calc-result.stacked div{margin-bottom:12px}}