:root{--navy:#31313b;--gold:#ffb000;--gold-dark:#a56f00;--cream:#f9f5f2;--soft:#fff3cf;--ink:#31313b;--muted:#626267;--line:#e1dbd6;--white:#fff;--shadow:0 18px 50px rgba(49,49,59,.13)}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.55;background:#fff}
a{text-decoration:none;color:inherit}
.wrap{max-width:1140px;margin:auto;padding:0 24px}
.top{background:#25252d;border-bottom:1px solid #41414b;font-size:14px;color:#fff}
.top .wrap{display:flex;justify-content:flex-end;gap:20px;padding-top:9px;padding-bottom:9px}
.nav{min-height:82px;display:flex;align-items:center;justify-content:space-between;background:var(--cream)}
.brand{font-weight:900;font-size:21px;color:var(--navy)}
.brand span{color:var(--gold)}
.brand-lockup{display:flex;align-items:center;gap:16px}
.brand-copy{line-height:1.05}
.brand-copy small{display:block;margin-top:5px;font-size:9px;letter-spacing:1.2px;color:#626267}
.broker-logo{width:100px;height:auto;border-left:1px solid #d7d0ca;padding-left:15px}
.nav-links{display:flex;align-items:center;gap:23px;font-size:14px;font-weight:800}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:15px 22px;font-weight:900;border:1px solid transparent;cursor:pointer;transition:.2s}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(41,68,95,.16)}
.btn-gold{background:var(--gold);color:#31313b}
.btn-navy{background:var(--navy);color:#fff}
.btn-white{background:#fff;border-color:#d8dee4;color:var(--navy)}
.hero{background:radial-gradient(circle at 92% 10%,rgba(255,176,0,.20),transparent 30%),linear-gradient(132deg,#25252d,#31313b 58%,#41414b);padding:78px 0;color:#fff}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:54px;align-items:center}
.kicker{font-size:12px;letter-spacing:2.1px;text-transform:uppercase;font-weight:900;color:var(--gold-dark)}
.hero .kicker{color:#ffbf33}
h1{font-size:clamp(46px,5.7vw,70px);line-height:1.01;letter-spacing:-2px;color:#fff;margin:12px 0 22px}
.lead{font-size:20px;color:#e7e1dc;max-width:700px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.offer{background:#fff;border:1px solid #eadfbf;border-radius:27px;padding:32px;box-shadow:var(--shadow)}
.offer h2{font-size:30px;line-height:1.12;color:var(--navy);margin:8px 0 12px}
.offer p{color:var(--muted)}
.checklist{list-style:none;padding:0;margin:18px 0 25px}
.checklist li{position:relative;padding:9px 0 9px 29px;border-bottom:1px solid #edf0f2;color:#4e5f70}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--gold-dark);font-weight:900}
.callout{background:#25252d;color:#fff;padding:30px 0;border-top:4px solid #ffb000}
.callout .wrap{display:flex;align-items:center;justify-content:space-between;gap:25px}
.callout h2{font-size:25px;margin:0}
.callout p{margin:4px 0 0;color:#d9e3ea}
.section{padding:78px 0}
.section-head{text-align:center;max-width:780px;margin:0 auto 38px}
.section-head h2{font-size:42px;line-height:1.1;color:var(--navy);margin:8px 0 12px}
.section-head p{font-size:18px;color:var(--muted)}
.boxes{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.box{border:1px solid var(--line);border-radius:20px;padding:25px;background:#fff;box-shadow:0 10px 28px rgba(41,68,95,.05)}
.box .icon{width:47px;height:47px;background:var(--soft);border-radius:15px;display:grid;place-items:center;font-size:23px}
.box h3{color:var(--navy);font-size:21px;margin:15px 0 7px}
.box p{color:var(--muted);margin:0}
.lender-section{background:linear-gradient(180deg,#fff 0%,#f9f5f2 100%)}
.lender-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.lender-card{display:flex;flex-direction:column;align-items:flex-start;border:1px solid var(--line);border-top:5px solid var(--gold);border-radius:22px;padding:28px;background:#fff;box-shadow:0 12px 32px rgba(49,49,59,.08)}
.lender-number{width:43px;height:43px;display:grid;place-items:center;border-radius:50%;background:var(--soft);color:var(--gold-dark);font-weight:900;font-size:13px}
.lender-card h3{font-size:25px;line-height:1.15;color:var(--navy);margin:18px 0 5px}
.lender-card p{color:var(--muted);margin:0 0 23px}
.lender-card .btn{width:100%;margin-top:auto;text-align:center}
.lender-disclosure{max-width:900px;margin:25px auto 0;text-align:center;color:var(--muted);font-size:12px}
.agency-hero h1{max-width:760px}
.agency-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.agency-card{border:1px solid var(--line);border-radius:22px;padding:27px;background:#fff;box-shadow:0 12px 32px rgba(49,49,59,.07)}
.agency-icon{width:48px;height:48px;display:grid;place-items:center;border-radius:15px;background:var(--soft);color:var(--gold-dark);font-size:20px;font-weight:900}
.agency-card h3{font-size:22px;color:var(--navy);margin:17px 0 8px}.agency-card p{color:var(--muted);margin:0}
.agency-note{max-width:960px;margin:25px auto 0;padding:20px 24px;border-left:5px solid var(--gold);border-radius:12px;background:var(--soft);color:#4e4e55}
.agency-document{display:grid;grid-template-columns:minmax(280px,430px) 1fr;gap:42px;align-items:center;max-width:1000px;margin:auto}
.agency-preview{background:#fff;border:1px solid var(--line);border-radius:20px;padding:12px;box-shadow:var(--shadow)}.agency-preview img{display:block;width:100%;border-radius:10px}
.agency-document-copy h3{font-size:31px;line-height:1.15;color:var(--navy);margin:0 0 12px}.agency-document-copy p{color:var(--muted);font-size:17px}.agency-fine{font-size:12px!important;margin-top:20px!important}
.soft{background:#f9f5f2}
.resource-layout{display:grid;grid-template-columns:300px 1fr;gap:30px;align-items:start}
.cover{background:#fff;border:1px solid var(--line);border-radius:20px;padding:12px;box-shadow:var(--shadow)}
.cover img{width:100%;display:block;border-radius:12px}
.viewer{height:720px;border:1px solid var(--line);border-radius:20px;overflow:hidden;background:#eef2f5}
.viewer iframe{width:100%;height:100%;border:0}
.ask{background:linear-gradient(135deg,#f9f5f2,#fff3cf)}
.ask-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:42px;align-items:center}
.ask h2{font-size:43px;line-height:1.08;color:var(--navy);margin:8px 0 14px}
.ask p{font-size:18px;color:var(--muted)}
.ask-card{background:#fff;border-radius:24px;padding:30px;box-shadow:var(--shadow);border:1px solid #eadfbf}
.ask-card label{display:block;font-size:13px;font-weight:900;color:var(--navy);margin:0 0 7px}
.ask-card input,.ask-card textarea{width:100%;border:1px solid #dbe1e6;border-radius:13px;padding:13px 14px;font:inherit;margin-bottom:15px}
.ask-card textarea{min-height:125px;resize:vertical}
.ask-card .btn{width:100%}
.fine{font-size:11px!important;color:#8995a0!important;margin:12px 0 0!important}
.footer{background:#31313b;border-top:5px solid #ffb000;padding:36px 20px;text-align:center;color:#f1ece7;font-size:13px}
.footer strong{color:#fff}
.footer-logo{width:min(350px,86%);height:auto;display:block;margin:0 auto 18px}
.footer-title{margin-top:4px;color:#d7d0ca}
.footer-links{display:flex;justify-content:center;flex-wrap:wrap;gap:10px;margin:22px auto}
.footer-links a{border:1px solid #6b6b75;border-radius:999px;padding:9px 15px;color:#fff;font-weight:800;transition:.2s}
.footer-links a:hover,.footer-links a:focus-visible{background:var(--gold);border-color:var(--gold);color:#31313b;transform:translateY(-1px)}
.affiliate-block{max-width:980px;margin:0 auto 23px;padding:20px;border-top:1px solid #555560;border-bottom:1px solid #555560}
.affiliate-block>strong{display:block;margin-bottom:13px;font-size:14px;letter-spacing:1.2px;text-transform:uppercase;color:#ffbf33}
.affiliate-list{display:flex;justify-content:center;flex-wrap:wrap;gap:7px 16px;color:#ded9d5;font-size:12px}
.affiliate-list span{position:relative}
.affiliate-list span:not(:last-child):after{content:"•";position:absolute;right:-11px;color:#8d8d95}

@media(max-width:900px){.hero-grid,.ask-grid,.resource-layout,.agency-document{grid-template-columns:1fr}
.boxes{grid-template-columns:1fr 1fr}
.lender-grid{grid-template-columns:1fr}
.agency-grid{grid-template-columns:1fr}
.viewer{height:600px}
.nav-links a:not(.btn){display:none}
.broker-logo{width:86px}
.callout .wrap{align-items:flex-start;flex-direction:column}
}

@media(max-width:620px){.top .wrap{justify-content:center;font-size:12px}
.brand{font-size:17px}
.broker-logo{width:76px}
.hero{padding:55px 0}
.boxes{grid-template-columns:1fr}
.section{padding:58px 0}
.section-head h2,.ask h2{font-size:36px}
.offer{padding:25px 21px}
.viewer{height:520px}
.callout .btn{width:100%}
}