:root{--ink:#18384b;--blue:#205b77;--muted:#566b77;--gold:#b78c3e;--line:#dce5ea;--pale:#eff6fa;--font:'DM Sans',system-ui,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:#fff;color:var(--ink);font:16px/1.65 var(--font)}a{color:inherit}img{display:block;max-width:100%}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:Manrope,var(--font);line-height:1.15;letter-spacing:-.045em}h1{font-size:clamp(2.8rem,4.5vw,4.6rem);font-weight:800;margin-bottom:24px}h1 span{color:var(--blue)}h2{font-size:clamp(2rem,3.2vw,3rem);font-weight:700;margin-bottom:20px}h3{font-size:1.5rem;letter-spacing:-.025em}main>section,.site-header,footer{width:min(1240px,calc(100% - 80px));margin-inline:auto}.site-header{display:flex;justify-content:space-between;align-items:center;gap:24px;padding:24px 0;background:#fff;border-bottom:1px solid var(--line)}.brand{text-decoration:none}.brand strong{font-family:Manrope,var(--font);display:block;font-size:2rem;line-height:1.1;letter-spacing:-.065em;font-weight:800}.brand small{display:block;font-size:12px;letter-spacing:.07em;color:#756033;margin-top:5px}nav{display:flex;gap:30px;align-items:center}nav a{text-decoration:none;font-size:14px;font-weight:600}.button{display:inline-flex;align-items:center;justify-content:center;gap:20px;padding:15px 25px;min-height:54px;border:1px solid var(--ink);border-radius:7px;background:var(--ink);color:#fff;text-decoration:none;font:700 16px var(--font);cursor:pointer;transition:background .18s,transform .18s}.button:hover{background:var(--blue);transform:translateY(-2px)}.button-small{min-height:46px;padding:11px 20px}.button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #b78c3e;outline-offset:4px}.hero{display:grid;grid-template-columns:1fr 1.04fr;gap:60px;align-items:center;padding:76px 0 65px}.eyebrow{font-size:12px;font-weight:700;letter-spacing:.13em;color:#826325;margin-bottom:20px}.lead{font-size:18px;line-height:1.75;color:var(--muted);max-width:510px}.hero-actions{display:flex;align-items:center;gap:24px;margin-top:30px}.text-link{font-weight:600;font-size:14px;text-decoration:none;border-bottom:1px solid #9db7c5;padding-block:5px}.trust-list{display:flex;gap:18px;flex-wrap:wrap;list-style:none;padding:0;margin:26px 0 0;color:var(--muted);font-size:13px}.trust-list li::before{content:'✓';color:#79602e;margin-right:6px}.hero-visual{min-width:0;margin:0;padding:16px;background:#f0f6f9;border-radius:15px;box-shadow:0 24px 50px -35px #284b64}.image-heading{display:flex;justify-content:space-between;gap:12px;margin:0 1px 14px;font-size:11px;font-weight:700;letter-spacing:.08em}.image-index{color:var(--muted);letter-spacing:0;font-weight:400}.transformation-image{width:100%;height:auto;object-fit:contain;border-radius:6px;background:#e1eaf0}.image-captions{display:flex;justify-content:space-between;gap:16px;padding:16px 0 4px;font-size:14px}.image-captions strong{color:var(--blue)}figcaption{font-size:12px;color:var(--muted);margin-top:10px}.nationwide-band{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:center;background:var(--pale);border-radius:14px;padding:35px 60px;margin-block:0 86px}.nationwide-band img{width:100%;height:auto;max-height:240px;object-fit:contain}.nationwide-band h2{font-size:clamp(1.8rem,2.7vw,2.6rem);margin-bottom:12px}.nationwide-band p{color:var(--muted);margin-bottom:10px}.nationwide-band .eyebrow{color:#557080;font-size:12px}.nationwide-band small{font-size:12px;color:var(--muted)}.programs{padding:0 0 90px}.section-heading{text-align:center;margin-bottom:38px}.section-heading h2{margin-inline:auto}.program-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.program-card{display:flex;flex-direction:column;align-items:flex-start;min-width:0;padding:28px 25px;border:1px solid var(--line);border-radius:10px;background:#fff;transition:border-color .18s,transform .18s}.program-card:hover{border-color:#7b9eb1;transform:translateY(-3px)}.program-card.featured{background:#f0f6fa;border-color:#c4d9e6}.card-number{display:block;color:#57778a;font-size:14px;margin-bottom:30px;font-weight:700}.program-card h3{margin-bottom:16px}.program-card p{font-size:15px;line-height:1.7;color:var(--muted)}.program-card a{margin-top:auto;padding-top:15px;font-size:14px;font-weight:700;text-underline-offset:5px}.terms{display:grid;grid-template-columns:.85fr 1.4fr;gap:25px 65px;padding:65px 55px;background:#f7f9fb;border-radius:14px}.terms-intro{align-self:center}.terms-intro p:last-child{color:var(--muted)}.term-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.term-grid>div{border-bottom:1px solid #cfdae1;padding:0 0 18px;display:flex;flex-direction:column}.term-grid strong{font:700 clamp(1.5rem,2.5vw,2.25rem) Manrope,var(--font);letter-spacing:-.04em}.term-grid sup{font-size:15px}.term-grid span{font-size:14px;margin-top:8px;color:var(--muted)}.simple-benefits{display:flex;flex-wrap:wrap;justify-content:space-between;gap:18px;grid-column:1/-1;padding-top:22px;font-size:14px;font-weight:600}.terms-disclosure{grid-column:1/-1;font-size:12px;line-height:1.7;color:var(--muted);margin:0}.quote-section{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px;padding:95px 0}.quote-copy{padding-top:18px}.quote-copy>p{max-width:400px;color:var(--muted)}.quote-copy .eyebrow{color:#826325}.quote-steps{list-style:none;counter-reset:steps;padding:0;margin:32px 0}.quote-steps li{counter-increment:steps;position:relative;padding:0 0 25px 46px}.quote-steps li::before{content:counter(steps,decimal-leading-zero);position:absolute;left:0;top:1px;color:#8b703b;font-size:14px;font-weight:700}.quote-steps strong{display:block}.quote-steps span{display:block;color:var(--muted);font-size:14px;margin-top:4px}.contact-card{border-top:1px solid var(--line);padding-top:25px}.contact-card span,.contact-card small{display:block;color:var(--muted);font-size:14px}.contact-card a{display:block;text-decoration:none;font-size:1.65rem;font-weight:700;margin:4px 0}.quote-form{display:grid;grid-template-columns:1fr 1fr;gap:20px;padding:34px;border:1px solid var(--line);border-radius:14px;box-shadow:0 12px 38px #193c5510}.full{grid-column:1/-1}.form-heading h3{font-size:1.5rem;margin-bottom:10px}.form-heading p{font-size:14px;color:var(--muted);margin:0}.field{min-width:0}label{display:block;font-size:14px;font-weight:600;margin-bottom:8px}input,select{width:100%;min-height:50px;padding:12px;color:var(--ink);background:#fff;border:1px solid #bccbd4;border-radius:5px;font:16px var(--font)}input::placeholder{color:#71828b}.money-input{position:relative}.money-input span{position:absolute;left:12px;top:11px;color:var(--muted)}.money-input input{padding-left:28px}.form-note{font-size:12px;color:var(--muted);line-height:1.7;margin:0}.form-status{display:none;background:var(--pale);border:1px solid var(--line);padding:16px;border-radius:5px;font-size:14px}.form-status.visible{display:block}footer{border-top:1px solid var(--line);padding:35px 0 28px;font-size:12px;color:var(--muted)}.footer-brand{display:flex;align-items:center;gap:20px;margin-bottom:20px}.footer-brand strong{font-size:24px;letter-spacing:-.06em;color:var(--ink)}.footer-brand span{font-size:12px;letter-spacing:.08em}footer a{text-underline-offset:3px}@media(min-width:1500px){.hero{padding-block:95px}}@media(max-width:1000px){main>section,.site-header,footer{width:calc(100% - 48px)}.hero{gap:30px;grid-template-columns:1fr 1fr}.hero-actions{align-items:flex-start;flex-direction:column;gap:14px}.program-grid{grid-template-columns:repeat(2,1fr)}.nationwide-band{gap:30px;padding:30px}.terms{padding:40px;gap:30px}.quote-section{gap:35px}.image-index{display:none}nav{gap:18px}}@media(max-width:700px){html{scroll-padding-top:24px}main>section,.site-header,footer{width:calc(100% - 36px)}.site-header{padding:19px 0;gap:12px}.brand strong{font-size:1.65rem}.brand small{font-size:10px;max-width:170px;letter-spacing:0}.button-small{font-size:14px;padding:10px 14px}nav>a:not(.button){display:none}.hero{grid-template-columns:1fr;padding:44px 0;gap:34px}h1{font-size:clamp(2.6rem,10.5vw,4.2rem)}.lead{font-size:17px}.hero-actions{flex-direction:row;align-items:center;flex-wrap:wrap;gap:18px}.hero-visual{padding:12px}.image-captions{font-size:12px}.trust-list{gap:10px 18px}.nationwide-band{grid-template-columns:1fr;padding:28px;gap:20px;margin-bottom:58px}.nationwide-band img{max-width:260px;margin:auto;max-height:160px}.programs{padding-bottom:55px}.program-grid{grid-template-columns:1fr;gap:12px}.program-card{padding:24px;display:grid;grid-template-columns:35px 1fr;column-gap:15px}.card-number{grid-row:1/4;margin:4px 0}.program-card h3{margin-bottom:12px}.program-card p{margin-bottom:12px}.program-card a{grid-column:2;padding:0}.terms{grid-template-columns:1fr;padding:28px 24px;gap:26px}.term-grid{gap:20px}.term-grid strong{font-size:clamp(1.3rem,5.6vw,2rem)}.simple-benefits{display:grid;grid-template-columns:1fr 1fr;font-size:13px;gap:18px}.quote-section{grid-template-columns:1fr;padding:55px 0;gap:30px}.quote-form{padding:24px 20px;grid-template-columns:1fr}.field{grid-column:1}.quote-steps{margin-bottom:10px}.footer-brand{flex-direction:column;align-items:flex-start;gap:3px}footer{padding-top:25px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Full brand lockup: preserve the entire mark at every screen width. */
.site-header{padding-block:8px}.brand{display:block;flex-shrink:0}.brand-logo{width:260px;height:auto;object-fit:contain}.footer-logo{width:320px;height:auto;object-fit:contain}.footer-brand{margin-bottom:16px}@media(max-width:700px){.site-header{padding-block:8px}.brand-logo{width:190px}.footer-logo{width:280px;max-width:100%}}@media(max-width:360px){.brand-logo{width:160px}.site-header{gap:8px}.site-header .button-small{padding-inline:10px}}

/* Loan program imagery stays complete, with consistent card proportions. */
.program-card{display:flex;flex-direction:column;align-items:stretch;padding:0;overflow:hidden}
.program-image{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:contain;background:#eff6fa;flex-shrink:0}
.program-body{display:flex;flex-direction:column;align-items:flex-start;flex:1;padding:25px}
.program-body .card-number{margin:0 0 16px}
.program-body h3{margin:0 0 16px}
.program-body p{margin:0 0 18px}
.program-body a{margin-top:auto;padding-top:10px}
@media(max-width:700px){.program-grid{gap:22px}.program-body{padding:24px}.program-body .card-number{margin-bottom:12px}.program-body h3{margin-bottom:12px}.program-body a{padding-top:4px}}

/* Text-led introduction after removal of the duplicate renovation block. */
.hero{display:block;padding-block:60px}.hero-copy{max-width:940px;margin-inline:auto;text-align:center}.hero .lead{max-width:700px;margin-inline:auto}.hero-actions,.hero .trust-list{justify-content:center}.hero-actions{flex-direction:row;align-items:center;flex-wrap:wrap}
@media(max-width:700px){.hero{padding-block:40px}.hero-copy{text-align:left}.hero-actions,.hero .trust-list{justify-content:flex-start}}

/* Geographic relief built from the existing state boundaries. */
.nationwide-band{grid-template-columns:1.15fr 1fr;gap:48px;padding:38px 46px;background:linear-gradient(130deg,#edf6fb,#f5f9fc 70%);border:1px solid #deebf2}
.map-feature{min-width:0}.map-scene{position:relative;perspective:950px;isolation:isolate;padding:34px 12px 38px;touch-action:pan-y}
.map-tilt,.map-float,.map-stack{transform-style:preserve-3d}.map-tilt{transform:rotateX(var(--pointer-x,0deg)) rotateY(var(--pointer-y,0deg));transition:transform .3s ease-out}.map-float{animation:map-drift 12s ease-in-out infinite}.map-stack{position:relative;width:100%;aspect-ratio:995/630;transform:rotateX(24deg) rotateZ(-6deg)}
.nationwide-band .map-scene .map-layer{position:absolute;inset:0;width:100%;height:100%;max-width:none;max-height:none;margin:0;object-fit:contain;pointer-events:none;backface-visibility:visible}.map-depth{transform:translateZ(calc(var(--depth)*1.8px));filter:brightness(.52) saturate(.7)}.map-surface{transform:translateZ(14px);filter:drop-shadow(0 1px 0 #c5a35e)}
.map-shadow{position:absolute;width:76%;height:36%;left:12%;bottom:10%;background:radial-gradient(ellipse,#234b6b38,transparent 70%);filter:blur(12px);transform:rotate(-6deg);z-index:-1}
.map-controls{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-top:4px}.map-controls>span{font-size:12px;letter-spacing:.03em;color:#526d7c}.map-controls button{display:inline-flex;gap:8px;align-items:center;padding:8px 12px;border:1px solid #bbcfdc;border-radius:30px;color:#264d65;background:#fff9;font:600 12px var(--font);cursor:pointer;min-height:40px}.map-controls button:hover{background:#fff;border-color:#6c91a9}.map-controls button:focus-visible{outline:3px solid var(--gold);outline-offset:3px}.map-feature.is-paused .map-float{animation-play-state:paused}.map-feature.is-paused .map-tilt{transform:none}
@keyframes map-drift{0%,100%{transform:translateY(0) rotateY(-9deg) rotateX(0)}50%{transform:translateY(-12px) rotateY(9deg) rotateX(5deg)}}
@media(max-width:1000px){.nationwide-band{gap:25px;padding:30px}.map-controls{flex-wrap:wrap}}
@media(max-width:700px){.nationwide-band{grid-template-columns:1fr;padding:26px;gap:28px}.map-scene{padding:24px 8px 26px}.map-controls{justify-content:space-between}.map-stack{transform:rotateX(20deg) rotateZ(-4deg)}}
@media(prefers-reduced-motion:reduce){.map-float{animation:none}.map-tilt{transform:none!important}.map-controls button{display:none}}
/* The provider controls form fields, submission, and dynamic iframe height. */
.quote-embed{min-width:0;width:100%;align-self:start}
.quote-embed>.form-note{margin-top:12px;font-size:14px}