:root{--navy:#062b57;--blue:#0067d9;--teal:#00afa5;--graphite:#1b2430;--slate:#5c6b7a;--mist:#eaf3f6;--white:#fff;--line:#dbe6ea;--font-head:'Montserrat',Arial,sans-serif;--font-body:'Open Sans',Arial,sans-serif;--font-accent:'Lato',Georgia,serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--graphite);font-family:var(--font-body);font-size:16px;line-height:1.65;background:#fff}img{max-width:100%;display:block}a{color:inherit}.skip-link{position:fixed;left:1rem;top:-5rem;z-index:99;background:#fff;color:var(--navy);padding:.75rem 1rem;font-weight:700}.skip-link:focus{top:1rem}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.utility-bar{position:absolute;z-index:12;top:0;left:0;right:0;background:#031f40;color:#d8e8f6;font-size:.76rem}.utility-bar>div{width:min(1180px,calc(100% - 3rem));height:34px;margin:auto;display:flex;justify-content:flex-end;align-items:center;gap:1.1rem}.utility-bar a{text-decoration:none;color:#fff}.site-header{position:absolute;inset:34px 0 auto;z-index:10;padding:1.35rem 0}.nav-shell{width:min(1180px,calc(100% - 3rem));margin:auto;display:flex;align-items:center;justify-content:space-between}.brand{background:#fff;border-radius:2px;padding:.65rem .9rem;box-shadow:0 5px 24px rgba(6,43,87,.08)}.brand img{width:245px;height:auto}.menu-button{display:none;background:none;border:0}.site-header nav{display:flex;align-items:center;gap:1.3rem;color:#fff;font-weight:600;font-size:.88rem}.site-header nav a{text-decoration:none}.site-header nav a:not(.nav-cta):hover{color:#8de4de}.nav-cta{padding:.75rem 1.1rem;border:1px solid rgba(255,255,255,.55);border-radius:3px}.nav-cta:hover{background:#fff;color:var(--navy)}
.hero{position:relative;min-height:760px;display:flex;align-items:center;overflow:hidden;background:var(--navy)}.hero-image{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}.hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,43,87,.98) 0%,rgba(6,43,87,.92) 35%,rgba(6,43,87,.43) 66%,rgba(6,43,87,.06) 100%)}.hero-content{position:relative;width:min(1180px,calc(100% - 3rem));margin:5.5rem auto 0;color:#fff}.hero-content>*{max-width:650px}.eyebrow{margin:0 0 1rem;color:var(--teal);font:700 .78rem/1 var(--font-head);letter-spacing:.15em;text-transform:uppercase}.eyebrow.light{color:#74ded7}.hero h1{font:800 clamp(3.5rem,7vw,6.7rem)/.94 var(--font-head);letter-spacing:-.055em;margin:0 0 1.6rem}.hero h1 span{color:#62d8d1}.hero-copy{font-size:1.16rem;line-height:1.75;max-width:600px;color:#e8f0f7}.hero-actions{display:flex;align-items:center;gap:1.5rem;margin-top:2rem}.button{display:inline-flex;align-items:center;gap:.65rem;border-radius:3px;padding:1rem 1.3rem;text-decoration:none;font-weight:700;line-height:1.2;transition:.2s ease}.button-primary{background:var(--blue);color:#fff}.button-primary:hover{background:#0876ec;transform:translateY(-2px)}.button-light{background:#fff;color:var(--navy)}.button-light:hover{background:var(--mist)}.text-link{color:#fff;font-weight:700;text-underline-offset:5px}.hero-note{margin-top:3rem;font:600 italic 1rem var(--font-accent);letter-spacing:.02em;color:#fff}
.trust-strip{width:min(1180px,calc(100% - 3rem));margin:-3rem auto 0;position:relative;z-index:3;display:grid;grid-template-columns:repeat(3,1fr);background:#fff;box-shadow:0 20px 60px rgba(6,43,87,.13)}.trust-strip>div{padding:2.2rem}.trust-strip>div+div{border-left:1px solid var(--line)}.trust-strip span{color:var(--teal);font:800 .78rem var(--font-head)}.trust-strip strong{display:block;color:var(--navy);font:700 1.1rem var(--font-head);margin:.5rem 0}.trust-strip p{margin:0;color:var(--slate);font-size:.92rem}
.section{width:min(1180px,calc(100% - 3rem));margin:auto;padding:8rem 0}.section-heading{max-width:720px}.section h2,.contact h2{font:800 clamp(2.35rem,4.4vw,4.5rem)/1.08 var(--font-head);letter-spacing:-.045em;color:var(--navy);margin:0 0 1.25rem}.section-heading>p:last-child{font-size:1.1rem;color:var(--slate)}.process-grid{list-style:none;padding:0;margin:4rem 0 0;display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}.process-grid li{background:#fff;padding:2.4rem;display:flex;gap:1.5rem}.step-number{font:800 1rem var(--font-head);color:var(--blue)}.process-grid h3{font:700 1.2rem var(--font-head);color:var(--navy);margin:0 0 .65rem}.process-grid p{margin:0;color:var(--slate)}
.options{width:100%;background:var(--navy);color:#fff;display:grid;grid-template-columns:minmax(320px,1fr) minmax(480px,1.35fr);padding:0}.options-intro{padding:7rem max(3rem,calc((100vw - 1180px)/2))}.options h2{color:#fff;font-size:clamp(2.4rem,4vw,4rem)}.options-intro>p:not(.eyebrow){color:#c9d7e5;max-width:520px;margin-bottom:2rem}.option-list{background:#0a3768;display:grid;grid-template-columns:repeat(2,1fr);padding:4rem}.option-list article{padding:2rem;border-bottom:1px solid rgba(255,255,255,.14)}.option-list article:nth-child(odd){border-right:1px solid rgba(255,255,255,.14)}.option-list span{font:700 1.05rem var(--font-head)}.option-list p{color:#c9d7e5;font-size:.91rem;margin:.55rem 0 0}
.partner{display:grid;grid-template-columns:1.2fr .8fr;gap:4rem;align-items:stretch}.partner-card{padding:4rem;background:var(--mist)}.partner-card h2{font-size:clamp(2.2rem,3.7vw,3.5rem)}.partner-card>p:not(.eyebrow){color:var(--slate);font-size:1.06rem}.partner-card ul{display:grid;gap:.7rem;padding-left:1.25rem;margin:2rem 0}.partner-card li::marker{color:var(--teal)}.partner-quote{background:var(--blue);color:#fff;padding:4rem;display:flex;flex-direction:column;justify-content:center}.quote-mark{font:800 5rem/1 var(--font-head);color:#77ddd7}.partner-quote blockquote{font:700 clamp(1.7rem,2.8vw,2.7rem)/1.3 var(--font-head);margin:0}.partner-quote p{font-family:var(--font-accent);font-style:italic;color:#d6e7f9}
.about{display:grid;grid-template-columns:1fr 1fr;gap:6rem;border-top:1px solid var(--line)}.about h2{font-size:clamp(2.3rem,4vw,3.8rem)}.about-copy>p{font-size:1.12rem;color:var(--slate);margin-top:0}.values{display:flex;flex-wrap:wrap;gap:.65rem;margin-top:2rem}.values span{border:1px solid var(--line);padding:.65rem 1rem;font:700 .84rem var(--font-head);color:var(--navy)}
.contact{background:var(--navy);color:#fff;padding:6rem max(1.5rem,calc((100vw - 1180px)/2));display:grid;grid-template-columns:1fr 440px;gap:5rem;align-items:center}.contact h2{color:#fff}.contact>div:first-child>p:last-child{color:#c9d7e5;font-size:1.08rem}.contact-card{background:#fff;color:var(--graphite);padding:2.3rem}.review-label{color:var(--navy);font:700 1.2rem var(--font-head);margin:0}.contact-card p:nth-child(2){color:var(--slate)}.button.disabled{opacity:.52;cursor:not-allowed;pointer-events:none}
footer{width:min(1180px,calc(100% - 3rem));margin:auto;padding:3rem 0}.footer-main{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid var(--line);padding-bottom:2rem}.footer-main img{width:260px}.footer-main p{font:600 italic .95rem var(--font-accent);color:var(--navy)}.footer-legal{padding-top:1.5rem;color:var(--slate);font-size:.76rem;line-height:1.6;max-width:960px}
.reviews{background:linear-gradient(180deg,#fff,var(--mist));width:100%;padding-left:max(1.5rem,calc((100vw - 1180px)/2));padding-right:max(1.5rem,calc((100vw - 1180px)/2))}.review-grid,.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem;margin-top:3rem}.review-grid article{background:#fff;padding:2rem;border:1px solid var(--line);min-height:190px}.stars{color:#e3a008;letter-spacing:.12em}.review-grid article>p{font:700 1.15rem var(--font-head);color:var(--navy)}.review-grid span,.team-grid p{color:var(--slate);font-size:.9rem}.team-grid article{border:1px solid var(--line);padding:1rem}.portrait-placeholder{height:260px;background:linear-gradient(135deg,var(--mist),#d6e7eb);display:grid;place-items:center;color:var(--slate);font:700 .8rem var(--font-head);text-transform:uppercase;letter-spacing:.12em}.team-grid h3{font:700 1.1rem var(--font-head);color:var(--navy);margin:1rem 0 .2rem}.faq{border-top:1px solid var(--line)}.faq-list{max-width:900px;margin-top:3rem}.faq-list details{border-top:1px solid var(--line);padding:1.25rem 0}.faq-list details:last-child{border-bottom:1px solid var(--line)}.faq-list summary{cursor:pointer;font:700 1.05rem var(--font-head);color:var(--navy);padding-right:2rem}.faq-list p{color:var(--slate);max-width:760px}.contact-card a{color:var(--navy);font-weight:700}.calculator{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:start;background:var(--mist);width:100%;padding-left:max(1.5rem,calc((100vw - 1180px)/2));padding-right:max(1.5rem,calc((100vw - 1180px)/2))}.calculator-card{background:#fff;padding:2rem;display:grid;grid-template-columns:1fr 1fr;gap:1rem;box-shadow:0 20px 50px rgba(6,43,87,.08)}.calculator-card label{font:700 .82rem var(--font-head);color:var(--navy)}.calculator-card input,.calculator-card select{width:100%;margin-top:.45rem;padding:.85rem;border:1px solid #bdccd4;font:600 1rem var(--font-body);color:var(--graphite);background:#fff}.estimate{grid-column:1/-1;background:var(--navy);color:#fff;padding:1.4rem}.estimate span{display:block;font-size:.8rem}.estimate strong{display:block;font:800 2.1rem var(--font-head);margin-top:.25rem}.calculator-disclaimer{grid-column:1/-1;color:var(--slate);font-size:.75rem;margin:0}
@media(max-width:900px){.site-header{position:absolute}.menu-button{display:grid;gap:5px;padding:.75rem;background:var(--navy);border-radius:3px}.menu-button span:not(.sr-only){width:25px;height:2px;background:#fff}.site-header nav{display:none;position:absolute;left:1.5rem;right:1.5rem;top:5.7rem;background:#fff;color:var(--navy);padding:1.25rem;flex-direction:column;align-items:stretch;gap:.6rem;box-shadow:0 20px 50px rgba(6,43,87,.2)}.site-header nav.open{display:flex}.site-header nav a{padding:.65rem}.nav-cta{background:var(--blue);color:#fff;text-align:center}.hero{min-height:720px}.hero-shade{background:linear-gradient(90deg,rgba(6,43,87,.96),rgba(6,43,87,.73))}.trust-strip{grid-template-columns:1fr}.trust-strip>div+div{border-left:0;border-top:1px solid var(--line)}.options{grid-template-columns:1fr}.option-list{padding:2rem}.partner,.about,.contact{grid-template-columns:1fr}.partner{gap:1rem}.contact{gap:2rem}.contact-card{max-width:550px}}
@media(max-width:620px){.nav-shell,.hero-content,.trust-strip,.section,footer{width:min(100% - 2rem,1180px)}.brand img{width:190px}.hero{min-height:700px}.hero-content{margin-top:4.5rem}.hero h1{font-size:3.15rem}.hero-copy{font-size:1rem}.hero-actions{align-items:flex-start;flex-direction:column}.hero-note{margin-top:2rem}.trust-strip{margin-top:-1.5rem}.section{padding:5rem 0}.process-grid{grid-template-columns:1fr}.process-grid li{padding:1.6rem}.options-intro{padding:5rem 1rem}.option-list{grid-template-columns:1fr;padding:1rem}.option-list article:nth-child(odd){border-right:0}.partner-card,.partner-quote{padding:2rem}.about{gap:2rem}.contact{padding:4rem 1rem}.footer-main{align-items:flex-start;flex-direction:column;gap:1rem}.footer-main img{width:220px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}}
.learning-preview{display:grid;grid-template-columns:1fr 1fr;background:var(--blue);color:#fff}.learning-intro{padding:6rem max(2rem,calc((100vw - 1180px)/2)) 6rem max(2rem,calc((100vw - 1180px)/2))}.learning-intro h2{font:800 clamp(2.5rem,4vw,4.2rem)/1.06 var(--font-head);letter-spacing:-.045em;margin:0 0 1.3rem}.learning-intro>p:not(.eyebrow){color:#e0edfb;max-width:580px}.learning-paths{display:grid;grid-template-columns:1fr 1fr;background:#0756ac}.learning-paths a{padding:2.3rem;color:#fff;text-decoration:none;border-right:1px solid rgba(255,255,255,.15);border-bottom:1px solid rgba(255,255,255,.15);display:flex;flex-direction:column;justify-content:center;transition:.2s}.learning-paths a:hover{background:#06478e}.learning-paths span{color:#70e1da;font:800 .75rem var(--font-head)}.learning-paths strong{font:700 1.15rem var(--font-head);margin:.7rem 0}.learning-paths small{color:#cfe2f7;font-size:.88rem}.resource-page .site-header+.resource-hero{}.resource-hero{padding:12rem max(1.5rem,calc((100vw - 1180px)/2)) 6rem;background:linear-gradient(115deg,#062b57 0%,#063b78 58%,#0067d9 100%);color:#fff;display:grid;grid-template-columns:1fr 310px;gap:5rem;align-items:end}.resource-hero h1{font:800 clamp(3rem,6vw,6rem)/.98 var(--font-head);letter-spacing:-.055em;margin:.8rem 0 1.3rem}.resource-hero>div>p:last-child{font-size:1.12rem;color:#dce8f5;max-width:720px}.breadcrumb{color:#8de4de;font-weight:700}.resource-hero aside{background:#fff;color:var(--navy);padding:1.6rem}.resource-hero aside strong{font-family:var(--font-head)}.resource-hero aside p{color:var(--slate);font-size:.9rem}.bookmark-button{border:0;background:var(--teal);color:#042a39;padding:.8rem 1rem;font-weight:700;cursor:pointer}.resource-search{background:var(--mist);padding:2rem;margin-bottom:2rem}.resource-search label{display:block;font:700 1rem var(--font-head);color:var(--navy);margin-bottom:.6rem}.resource-search input{width:100%;padding:1rem;border:1px solid #b9ccd4;font:1rem var(--font-body)}.resource-card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}.resource-card{border:1px solid var(--line);padding:2rem;text-decoration:none;min-height:270px;display:flex;flex-direction:column;transition:.2s}.resource-card:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(6,43,87,.1);border-color:var(--blue)}.resource-card>span{font:800 .75rem var(--font-head);color:var(--teal)}.resource-card h2{font-size:1.45rem;letter-spacing:-.02em;margin:1.2rem 0 .6rem}.resource-card p{color:var(--slate)}.resource-card strong{margin-top:auto;color:var(--blue)}.resource-layout{display:grid;grid-template-columns:280px 1fr;gap:5rem;align-items:start}.resource-toc{position:sticky;top:1.5rem;border-top:4px solid var(--teal);background:var(--mist);padding:1.5rem}.resource-toc>strong{font-family:var(--font-head);color:var(--navy)}.resource-toc ol{padding-left:1.25rem}.resource-toc li{margin:.75rem 0;color:var(--blue)}.resource-toc a{color:var(--navy)}.toc-contact{display:block;margin-top:1.2rem;font-weight:700}.resource-content section{padding:0 0 4rem;margin-bottom:4rem;border-bottom:1px solid var(--line);scroll-margin-top:2rem}.topic-number{font:800 .78rem var(--font-head);color:var(--teal)}.resource-content h2{font-size:clamp(2rem,3.7vw,3.25rem)}.resource-content p,.resource-content li{color:var(--slate);font-size:1.04rem}.resource-content li{margin:.6rem 0}.clarity-note{border-left:5px solid var(--teal);background:var(--mist);padding:1.25rem 1.5rem;margin-top:1.5rem}.clarity-note strong{color:var(--navy);font-family:var(--font-head)}.clarity-note p{margin:.35rem 0 0}.resource-cta{background:var(--navy);color:#fff;padding:5rem max(1.5rem,calc((100vw - 1180px)/2));display:flex;justify-content:space-between;align-items:center;gap:3rem}.resource-cta h2{font:800 clamp(2.2rem,4vw,3.8rem)/1.08 var(--font-head);margin:.3rem 0}.resource-cta p:not(.eyebrow){color:#cbdceb}.resource-cta>div{max-width:760px}
@media(max-width:900px){.learning-preview,.resource-hero,.resource-layout{grid-template-columns:1fr}.resource-card-grid{grid-template-columns:1fr 1fr}.resource-hero{gap:2rem}.resource-hero aside{max-width:430px}.resource-toc{position:static}.resource-cta{align-items:flex-start;flex-direction:column}}
@media(max-width:620px){.learning-paths,.resource-card-grid{grid-template-columns:1fr}.learning-intro{padding:5rem 1rem}.resource-hero{padding:10rem 1rem 4rem}.resource-cta{padding:4rem 1rem}}
@media(max-width:900px){.utility-bar span{display:none}.utility-bar>div{justify-content:center}.review-grid,.team-grid,.calculator{grid-template-columns:1fr}.site-header{top:34px}}
@media(max-width:620px){.utility-bar{font-size:.67rem}.utility-bar>div{gap:.6rem}.calculator-card{grid-template-columns:1fr}.calculator-card .estimate,.calculator-disclaimer{grid-column:1}}

/* Google reviews carousel */
.reviews-layout{display:block;max-width:1120px;margin:0 auto}
.reviews-intro{max-width:760px;padding-top:1rem}
.reviews .reviews-intro h2{font-size:clamp(2.4rem,4vw,3.75rem);line-height:1.12}
.reviews-lead{color:var(--slate);font-size:1.08rem;line-height:1.85}
.reviews-history{margin:2rem 0;padding:1.3rem 1.4rem;border-left:3px solid var(--teal);background:rgba(255,255,255,.8)}
.reviews-history strong{font:700 .95rem var(--font-head);color:var(--navy)}
.reviews-history p{margin:.65rem 0 0;color:var(--slate);font-size:.87rem;line-height:1.75}
.reviews-google-link,.reviews-team-link{display:block;width:fit-content;font-weight:700;text-underline-offset:5px;line-height:1.6}
.reviews-google-link{color:var(--blue);font-size:.95rem}
.reviews-team-link{margin-top:1.2rem;color:var(--navy);font-size:.88rem}
.reviews-carousel-shell{margin-top:2.25rem}
.reviews-carousel-toolbar,.reviews-carousel-footer{display:flex;align-items:center;justify-content:space-between;gap:1rem}
.reviews-carousel-toolbar{margin-bottom:1rem;color:var(--navy);font:700 .82rem var(--font-head);letter-spacing:.02em}
.reviews-carousel-controls{display:flex;gap:.55rem}
.reviews-carousel-button{width:42px;height:42px;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--navy);font-size:1.2rem;cursor:pointer;box-shadow:0 8px 24px rgba(6,43,87,.08)}
.reviews-carousel-button:hover{transform:translateY(-1px);box-shadow:0 10px 26px rgba(6,43,87,.12)}
.reviews-carousel{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(300px,38%);gap:1rem;overflow-x:auto;scroll-snap-type:x mandatory;scroll-behavior:smooth;padding:.25rem .15rem 1rem;overscroll-behavior-inline:contain;scrollbar-width:thin}
.review-card{scroll-snap-align:start;display:flex;flex-direction:column;min-height:280px;padding:1.5rem;border:1px solid var(--line);border-radius:16px;background:#fff;box-shadow:0 16px 38px rgba(6,43,87,.08)}
.review-stars{color:#f5a623;font-size:1.05rem;letter-spacing:.12em}
.review-text{margin:1rem 0 1.5rem;color:var(--navy);font-size:.98rem;line-height:1.75}
.review-meta{margin-top:auto;display:flex;justify-content:space-between;gap:1rem;border-top:1px solid var(--line);padding-top:1rem}
.review-meta strong{font:700 .86rem var(--font-head);color:var(--navy)}
.review-meta span{color:var(--slate);font-size:.78rem;white-space:nowrap}
.reviews-carousel-footer{margin-top:.75rem;color:var(--slate);font-size:.8rem}
.reviews a:focus-visible,.reviews button:focus-visible,.reviews-carousel:focus-visible{outline:3px solid var(--blue);outline-offset:4px}
@media(max-width:900px){.reviews-carousel{grid-auto-columns:minmax(280px,70%)}}
@media(max-width:620px){.section.reviews{width:100%;padding:5rem 1rem}.reviews .reviews-intro h2{font-size:2.5rem}.reviews-carousel{grid-auto-columns:88%}.reviews-carousel-toolbar{align-items:flex-end}.reviews-carousel-footer{align-items:flex-start;flex-direction:column}.review-card{min-height:300px;padding:1.25rem}}

/* Team profiles */
.team .team-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:1.25rem;align-items:stretch}
.team .team-card{flex:0 1 calc(25% - .9375rem);min-width:0;padding:0;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:#fff;box-shadow:0 12px 32px rgba(6,43,87,.05)}
.team-portrait{position:relative;aspect-ratio:1;overflow:hidden;background:var(--mist)}
.team-portrait img{position:absolute;inset:0;display:block;width:100%;height:100%;object-fit:cover;object-position:center 5%}
.team-portrait-initials{display:grid;place-items:center;background:linear-gradient(135deg,var(--navy),#0d5274);color:#fff}
.team-portrait-initials:before{content:"";position:absolute;width:82%;aspect-ratio:1;border:1px solid rgba(255,255,255,.15);border-radius:50%;right:-30%;top:-25%}
.team-portrait-initials span{display:grid;place-items:center;width:84px;height:84px;border-radius:50%;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.24);font:700 2rem var(--font-head);letter-spacing:.04em}
.team-profile-body{padding:1.35rem}
.team .team-profile-body h3{margin:0 0 .45rem;font-size:1.16rem;line-height:1.35}
.team .team-role{margin:0;color:var(--navy);font-size:.83rem;font-weight:700;line-height:1.5}
.team .team-nmls{margin:.4rem 0 0;font-size:.75rem;letter-spacing:.035em}
.team .team-bio{margin:1.15rem 0 0;border-top:1px solid var(--line);padding-top:1.15rem;font-size:.87rem;line-height:1.75}
@media(max-width:1050px){.team .team-card{flex-basis:calc(50% - .625rem)}}
@media(max-width:620px){.team .team-card{flex-basis:100%}.team-profile-body{padding:1.5rem}.team .team-profile-body h3{font-size:1.3rem}}