:root {
  color-scheme: light;
  --navy: #10243e;
  --ink: #132034;
  --slate: #536274;
  --teal: #0c7c82;
  --mint: #dff6ee;
  --copper: #b6673d;
  --gold: #dfb65e;
  --paper: #f7f8f6;
  --white: #ffffff;
  --line: rgba(16, 36, 62, 0.15);
  --shadow: 0 24px 70px rgba(16, 36, 62, 0.22);
  --mx: 50%;
  --my: 50%;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  letter-spacing: 0;
  overflow-x: hidden;
}

body::selection {
  background: var(--mint);
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: inherit;
}

button,
input,
select,
textarea {
  font: inherit;
}

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 40;
  padding: 10px 14px;
  color: var(--white);
  background: var(--navy);
  border-radius: 6px;
  transform: translateY(-140%);
  transition: transform 180ms ease;
}

.skip-link:focus {
  transform: translateY(0);
}

.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 20;
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: center;
  gap: 24px;
  min-height: 76px;
  padding: 12px 36px;
  background: rgba(247, 248, 246, 0.84);
  border-bottom: 1px solid transparent;
  backdrop-filter: blur(18px);
  transition: border-color 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

.site-header.is-scrolled {
  background: rgba(247, 248, 246, 0.94);
  border-color: var(--line);
  box-shadow: 0 18px 50px rgba(16, 36, 62, 0.08);
}

.brand {
  display: inline-flex;
  align-items: center;
  width: 230px;
}

.main-nav {
  display: flex;
  justify-content: flex-end;
  align-items: center;
  gap: 8px;
  min-width: 0;
}

.main-nav a,
.nav-nmls {
  text-decoration: none;
}

.main-nav a {
  min-height: 40px;
  padding: 11px 13px;
  color: var(--ink);
  border-radius: 6px;
  font-size: 0.94rem;
  font-weight: 700;
  white-space: nowrap;
  transition: background 180ms ease, color 180ms ease, transform 180ms ease;
}

.main-nav a:hover {
  color: var(--teal);
  background: rgba(12, 124, 130, 0.09);
  transform: translateY(-1px);
}

.nav-nmls {
  display: inline-grid;
  grid-template-columns: auto auto;
  align-items: center;
  gap: 8px;
  min-height: 46px;
  padding: 9px 12px;
  color: var(--navy);
  background: linear-gradient(135deg, #fff6da, #ffffff 56%, #dff6ee);
  border: 1px solid rgba(223, 182, 94, 0.58);
  border-radius: 8px;
  box-shadow: 0 14px 34px rgba(16, 36, 62, 0.12);
}

.nav-nmls span {
  font-size: 0.76rem;
  font-weight: 800;
}

.nav-nmls strong {
  font-size: 1.08rem;
}

.hero {
  position: relative;
  min-height: 93vh;
  display: grid;
  align-items: end;
  overflow: hidden;
  isolation: isolate;
  padding-top: 84px;
  color: var(--white);
  background: var(--navy);
}

.hero::before,
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  pointer-events: none;
}

.hero::before {
  background:
    radial-gradient(circle at var(--mx) var(--my), rgba(223, 182, 94, 0.24), transparent 18%),
    linear-gradient(90deg, rgba(11, 28, 48, 0.95) 0%, rgba(11, 28, 48, 0.78) 34%, rgba(11, 28, 48, 0.36) 64%, rgba(11, 28, 48, 0.24) 100%);
  mix-blend-mode: normal;
}

.hero::after {
  opacity: 0.28;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.11) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.1) 1px, transparent 1px);
  background-size: 58px 58px;
  mask-image: linear-gradient(to bottom, transparent 0, #000 12%, #000 78%, transparent 100%);
}

.hero-media {
  position: absolute;
  inset: 0;
  z-index: -2;
}

.hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transform: scale(1.03);
  animation: heroDrift 16s ease-in-out infinite alternate;
}

.hero-shell {
  width: min(1180px, calc(100% - 40px));
  margin: 0 auto;
  padding: 54px 0 28px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 360px;
  gap: 48px;
  align-items: end;
}

.hero-copy {
  max-width: 690px;
  padding-bottom: 14px;
  min-width: 0;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--teal);
  font-size: 0.82rem;
  font-weight: 900;
  text-transform: uppercase;
}

.hero .eyebrow {
  color: #9cf0d7;
}

h1,
h2,
h3,
p {
  margin-top: 0;
  overflow-wrap: break-word;
}

h1 {
  margin-bottom: 12px;
  font-size: 5.7rem;
  line-height: 0.95;
  letter-spacing: 0;
}

.hero-role {
  margin-bottom: 20px;
  color: rgba(255, 255, 255, 0.88);
  font-size: 1.28rem;
  font-weight: 700;
}

.hero-text {
  max-width: 590px;
  margin: 18px 0 26px;
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.06rem;
  line-height: 1.7;
}

.nmls-plate {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 14px;
  max-width: 100%;
  min-height: 72px;
  padding: 12px 18px;
  color: var(--navy);
  text-decoration: none;
  background: linear-gradient(135deg, #fff7d8 0%, #ffffff 52%, #ccf0e6 100%);
  border: 1px solid rgba(255, 255, 255, 0.9);
  border-radius: 8px;
  box-shadow: 0 18px 55px rgba(223, 182, 94, 0.26);
  overflow: hidden;
}

.nmls-plate::after {
  content: "";
  position: absolute;
  inset: -30% -80%;
  background: linear-gradient(105deg, transparent 38%, rgba(255, 255, 255, 0.78) 50%, transparent 62%);
  animation: sweep 4.8s ease-in-out infinite;
}

.nmls-plate span,
.nmls-plate strong {
  position: relative;
  z-index: 1;
}

.nmls-plate span {
  font-size: 0.9rem;
  font-weight: 900;
}

.nmls-plate strong {
  font-size: 2.35rem;
  line-height: 1;
}

.hero-actions,
.profile-links,
.contact-lines {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.button {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 50px;
  padding: 14px 18px;
  border: 0;
  border-radius: 8px;
  font-weight: 900;
  text-decoration: none;
  cursor: pointer;
  overflow: hidden;
  transition: transform 190ms ease, box-shadow 190ms ease, background 190ms ease;
}

.button svg,
.profile-links svg,
.quick-band svg,
.service-card svg,
.resource-card svg,
.contact-lines svg,
.text-link svg {
  width: 20px;
  height: 20px;
  flex: 0 0 auto;
}

.button.primary {
  color: var(--navy);
  background: var(--gold);
  box-shadow: 0 16px 36px rgba(223, 182, 94, 0.28);
}

.button.secondary {
  color: var(--white);
  background: rgba(255, 255, 255, 0.14);
  border: 1px solid rgba(255, 255, 255, 0.4);
}

.button:hover {
  transform: translateY(-2px);
  box-shadow: 0 20px 46px rgba(16, 36, 62, 0.22);
}

.profile-panel {
  padding: 22px;
  min-width: 0;
  color: var(--ink);
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid rgba(255, 255, 255, 0.9);
  border-radius: 8px;
  box-shadow: var(--shadow);
  backdrop-filter: blur(16px);
}

.portrait-frame {
  position: relative;
  width: 180px;
  aspect-ratio: 1;
  margin: -66px auto 18px;
  border: 7px solid var(--white);
  border-radius: 50%;
  box-shadow: 0 24px 60px rgba(16, 36, 62, 0.24);
  overflow: hidden;
}

.portrait-frame::after {
  content: "";
  position: absolute;
  inset: 0;
  border: 2px solid rgba(223, 182, 94, 0.7);
  border-radius: 50%;
}

.profile-copy {
  text-align: center;
}

.profile-name {
  margin-bottom: 4px;
  color: var(--navy);
  font-size: 1.5rem;
  font-weight: 950;
}

.profile-copy p {
  margin-bottom: 8px;
  color: var(--slate);
}

.profile-nmls {
  display: inline-flex;
  padding: 8px 10px;
  color: var(--navy) !important;
  background: var(--mint);
  border-radius: 6px;
  font-weight: 900;
}

.profile-links {
  margin-top: 18px;
}

.profile-links a {
  flex: 1 1 140px;
  min-width: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 46px;
  padding: 12px 10px;
  color: var(--navy);
  text-decoration: none;
  background: rgba(16, 36, 62, 0.06);
  border: 1px solid var(--line);
  border-radius: 8px;
  font-weight: 800;
  transition: background 180ms ease, color 180ms ease;
}

.profile-links a:hover {
  color: var(--white);
  background: var(--teal);
}

.quick-band {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
  border-bottom: 1px solid var(--line);
}

.quick-band a {
  display: flex;
  min-width: 0;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 78px;
  padding: 18px;
  color: var(--navy);
  text-decoration: none;
  background: var(--white);
  font-weight: 900;
  transition: color 180ms ease, background 180ms ease;
}

.quick-band a:hover {
  color: var(--teal);
  background: #f4fbf8;
}

.quick-band span {
  min-width: 0;
  overflow-wrap: anywhere;
}

.section {
  padding: 88px 0;
}

.section-inner {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 390px;
  gap: 64px;
  align-items: center;
}

.split.reverse {
  grid-template-columns: 430px minmax(0, 1fr);
}

.section-copy h2,
.section-heading h2,
.contact-copy h2 {
  margin-bottom: 18px;
  color: var(--navy);
  font-size: 3rem;
  line-height: 1.03;
  letter-spacing: 0;
}

.section-copy p,
.contact-copy p {
  color: var(--slate);
  font-size: 1.05rem;
  line-height: 1.76;
  overflow-wrap: break-word;
}

.about-section,
.refinance-section {
  background: var(--paper);
}

.purchase-section {
  background: var(--white);
}

.resource-section {
  background:
    linear-gradient(180deg, rgba(12, 124, 130, 0.06), rgba(223, 182, 94, 0.08)),
    var(--paper);
}

.proof-stack {
  display: grid;
  gap: 14px;
}

.proof-card,
.service-card,
.resource-card,
.calculator,
.contact-form {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 18px 48px rgba(16, 36, 62, 0.08);
}

.proof-card {
  min-height: 154px;
  padding: 24px;
}

.proof-card.highlight {
  color: var(--white);
  background: linear-gradient(135deg, var(--navy), #0c7c82);
}

.proof-card span {
  display: block;
  margin-bottom: 8px;
  color: var(--copper);
  font-size: 0.78rem;
  font-weight: 950;
  text-transform: uppercase;
}

.proof-card.highlight span,
.proof-card.highlight p {
  color: rgba(255, 255, 255, 0.82);
}

.proof-card strong {
  display: block;
  margin-bottom: 8px;
  font-size: 2rem;
  color: var(--navy);
}

.proof-card.highlight strong {
  color: var(--white);
  font-size: 3rem;
}

.proof-card p {
  margin: 0;
  color: var(--slate);
  line-height: 1.5;
}

.section-heading {
  max-width: 680px;
  margin-bottom: 32px;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.service-card {
  min-height: 242px;
  padding: 28px;
  transition: transform 190ms ease, box-shadow 190ms ease, border-color 190ms ease;
}

.service-card:hover {
  transform: translateY(-5px);
  border-color: rgba(12, 124, 130, 0.38);
  box-shadow: 0 24px 60px rgba(16, 36, 62, 0.13);
}

.service-card svg {
  width: 38px;
  height: 38px;
  margin-bottom: 24px;
  color: var(--teal);
  stroke-width: 1.8;
}

.service-card h3 {
  margin-bottom: 12px;
  color: var(--navy);
  font-size: 1.35rem;
}

.service-card p {
  margin-bottom: 0;
  color: var(--slate);
  line-height: 1.65;
}

.calculator {
  padding: 26px;
  min-width: 0;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.92), rgba(255, 255, 255, 0.98)),
    var(--white);
}

.calc-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 18px;
}

.calc-top h2 {
  margin: 0;
  color: var(--navy);
  font-size: 1.6rem;
}

.calc-top span {
  padding: 7px 9px;
  color: var(--navy);
  background: var(--mint);
  border-radius: 6px;
  font-size: 0.8rem;
  font-weight: 900;
}

.calculator label,
.contact-form label {
  display: grid;
  gap: 8px;
  margin-bottom: 16px;
  color: var(--navy);
  font-weight: 900;
}

input,
select,
textarea {
  width: 100%;
  color: var(--ink);
  background: #fbfcfb;
  border: 1px solid rgba(16, 36, 62, 0.2);
  border-radius: 8px;
  outline: none;
  transition: border-color 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

input:not([type="range"]),
select,
textarea {
  min-height: 48px;
  padding: 12px;
}

textarea {
  resize: vertical;
}

input:focus,
select:focus,
textarea:focus {
  background: var(--white);
  border-color: var(--teal);
  box-shadow: 0 0 0 4px rgba(12, 124, 130, 0.12);
}

input[type="range"] {
  accent-color: var(--teal);
}

.calc-output {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  margin-top: 22px;
}

.calc-output span,
.calc-output strong {
  min-height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 8px;
  font-weight: 900;
}

.calc-output span {
  color: var(--navy);
  background: #eef6f4;
}

.calc-output strong {
  grid-column: 1 / -1;
  min-height: 78px;
  color: var(--white);
  background: var(--navy);
  font-size: 2.2rem;
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 12px;
  color: var(--teal);
  font-weight: 950;
  text-decoration: none;
}

.text-link:hover {
  color: var(--copper);
}

.resource-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.resource-card {
  min-height: 92px;
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px;
  color: var(--navy);
  text-decoration: none;
  font-weight: 950;
  transition: transform 190ms ease, color 190ms ease, border-color 190ms ease;
}

.resource-card:hover {
  color: var(--teal);
  border-color: rgba(12, 124, 130, 0.38);
  transform: translateY(-3px);
}

.resource-card svg {
  width: 32px;
  height: 32px;
  color: var(--copper);
}

.contact-section {
  color: var(--white);
  background:
    linear-gradient(135deg, rgba(16, 36, 62, 0.97), rgba(12, 124, 130, 0.92)),
    var(--navy);
}

.contact-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 430px;
  gap: 58px;
  align-items: center;
}

.contact-copy h2,
.contact-copy p {
  color: var(--white);
}

.contact-copy .eyebrow {
  color: #a7f0db;
}

.contact-lines {
  margin-top: 26px;
}

.contact-lines a {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  min-height: 46px;
  padding: 12px 14px;
  color: var(--white);
  text-decoration: none;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 8px;
  font-weight: 800;
}

.contact-form {
  padding: 24px;
  min-width: 0;
  color: var(--ink);
}

.contact-form .button {
  width: 100%;
}

.site-footer {
  padding: 50px 0 24px;
  color: rgba(255, 255, 255, 0.82);
  background: #0d1e33;
}

.footer-inner {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 1fr;
  gap: 46px;
}

.footer-logo {
  width: 270px;
  margin-bottom: 18px;
  filter: brightness(0) invert(1);
}

.site-footer h2 {
  margin: 0 0 14px;
  color: var(--white);
  font-size: 1rem;
}

.site-footer a {
  display: block;
  margin-bottom: 10px;
  color: rgba(255, 255, 255, 0.86);
  text-decoration: none;
}

.site-footer a:hover {
  color: var(--gold);
}

.legal {
  width: min(1120px, calc(100% - 40px));
  margin: 32px auto 0;
  display: grid;
  grid-template-columns: 42px 1fr;
  gap: 16px;
  align-items: start;
  padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.legal img {
  width: 42px;
  height: auto;
  filter: brightness(0) invert(1);
}

.legal p {
  margin: 0;
  font-size: 0.82rem;
  line-height: 1.68;
}

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 620ms ease, transform 620ms ease;
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.hero .reveal {
  opacity: 1;
  transform: none;
}

@keyframes heroDrift {
  from {
    transform: scale(1.03) translate3d(0, 0, 0);
  }
  to {
    transform: scale(1.07) translate3d(1.2%, -1.2%, 0);
  }
}

@keyframes sweep {
  0%,
  58% {
    transform: translateX(-18%);
  }
  82%,
  100% {
    transform: translateX(68%);
  }
}

@media (max-width: 980px) {
  .site-header {
    grid-template-columns: 1fr;
    gap: 14px;
    padding: 10px 20px;
  }

  .brand {
    width: 210px;
  }

  .main-nav {
    grid-column: 1 / -1;
    justify-content: flex-start;
    overflow-x: auto;
    padding-bottom: 2px;
  }

  .main-nav a {
    white-space: nowrap;
  }

  .hero {
    min-height: auto;
    padding-top: 126px;
  }

  .hero-shell,
  .split,
  .split.reverse,
  .contact-layout,
  .footer-inner {
    grid-template-columns: 1fr;
  }

  .hero-shell {
    gap: 86px;
  }

  .profile-panel {
    max-width: 420px;
    width: 100%;
  }

  h1 {
    font-size: 4.25rem;
  }

  .section-copy h2,
  .section-heading h2,
  .contact-copy h2 {
    font-size: 2.45rem;
  }

  .service-grid,
  .resource-grid,
  .quick-band {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 620px) {
  .site-header {
    min-height: 70px;
  }

  .brand {
    width: 178px;
  }

  .nav-nmls {
    min-height: 40px;
    padding: 7px 8px;
  }

  .nav-nmls strong {
    font-size: 0.95rem;
  }

  .main-nav a {
    min-height: 36px;
    padding: 9px 10px;
    font-size: 0.88rem;
  }

  .hero {
    padding-top: 122px;
  }

  .hero-shell,
  .section-inner,
  .footer-inner,
  .legal {
    width: auto;
    margin-left: 14px;
    margin-right: 14px;
  }

  .hero-shell {
    padding-top: 38px;
  }

  .hero-copy,
  .hero-text,
  .profile-panel {
    width: 100%;
    max-width: 100%;
  }

  h1 {
    font-size: 3.2rem;
  }

  .hero-role {
    font-size: 1.08rem;
  }

  .nmls-plate {
    width: 100%;
    flex-direction: column;
    align-items: flex-start;
    justify-content: center;
    min-height: 66px;
    gap: 8px;
  }

  .nmls-plate strong {
    font-size: 1.62rem;
  }

  .hero-actions .button,
  .profile-links a {
    width: 100%;
  }

  .profile-links {
    flex-direction: column;
  }

  .profile-links a {
    flex-basis: auto;
  }

  .profile-panel {
    padding: 18px;
  }

  .portrait-frame {
    width: 150px;
  }

  .section {
    padding: 68px 0;
  }

  .section-copy h2,
  .section-heading h2,
  .contact-copy h2 {
    font-size: 2rem;
  }

  .service-card {
    min-height: 220px;
    padding: 24px;
  }

  .calc-output {
    grid-template-columns: 1fr;
  }

  .calc-output strong {
    grid-column: auto;
    font-size: 1.85rem;
  }

  .resource-card {
    min-height: 84px;
  }

  .legal {
    grid-template-columns: 1fr;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
}