:root{--red:#DC143C;--maroon:#7A1622;--maroon2:#8B1A1A;--navy:#111827;--foot:#1E293B;--foot2:#172033;--cream:#F7F3EE;--grey:#F3F4F6;--ink:#1F2937;--muted:#6B7280;--line:#E5E7EB;--blue:#1E3A8A;--r:16px;--sh:0 10px 30px rgba(17,24,39,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Roboto,system-ui,sans-serif;color:var(--ink);font-size:16px;line-height:1.6;background:#fff}
img{max-width:100%;display:block}a{color:var(--maroon)}
h1,h2,h3,h4{font-family:"Bebas Neue",Impact,sans-serif;font-weight:400;color:var(--navy);letter-spacing:.01em;line-height:1.1;margin:0 0 .4em}
h1{font-size:clamp(2.6rem,5vw,3.9rem)}h2{font-size:clamp(2rem,3.5vw,2.8rem)}h3{font-size:1.6rem}h4{font-size:1.2rem}
p{margin:0 0 1em}.wrap{max-width:1200px;margin:0 auto;padding:0 24px}.narrow{max-width:820px}.center{text-align:center}.muted{color:var(--muted)}.mt{margin-top:56px}
section{padding:80px 0;position:relative}.cream{background:var(--cream)}.grey{background:var(--grey)}
.btn{display:inline-flex;align-items:center;gap:8px;font-family:Poppins,sans-serif;font-weight:600;font-size:.95rem;padding:11px 22px;border-radius:8px;border:0;cursor:pointer;text-decoration:none}
.btn .ic{width:16px;height:16px}.red{background:var(--red);color:#fff}.red:hover{background:#b91c1c;color:#fff}.maroon{background:var(--maroon);color:#fff;border-radius:999px}
.ghost{background:#fff;color:var(--ink);border:1px solid var(--line)}
.pill{display:flex;justify-content:space-between;align-items:center;max-width:440px;margin:0 0 14px;padding:14px 26px;border:2px solid #4B5563;border-radius:999px;color:var(--navy);font-family:Poppins,sans-serif;font-weight:500;text-decoration:none;background:#fff}
.pill:hover{border-color:var(--red);color:var(--red)}.pill .ic{width:18px;height:18px}.pill.light{background:transparent;color:#fff;border-color:#fff;justify-content:center;max-width:none;margin-top:20px}
.pill.white{display:inline-flex;gap:60px;border-color:#fff}
.ic{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex:none}
/* header */
.hdr{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 2px 10px rgba(0,0,0,.06)}
.nav{display:flex;align-items:center;justify-content:space-between;height:92px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);white-space:nowrap;flex:none}
.brand img{width:44px;height:auto;display:block}.bt{font-family:Montserrat,"Helvetica Neue",Arial,sans-serif;font-size:1.3rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em;line-height:1;color:var(--navy)}
@media(max-width:520px){.brand{gap:10px}.brand img{width:34px}.bt{font-size:1.05rem;letter-spacing:.03em}}
.menu{display:flex;align-items:center;flex:1;justify-content:space-between;margin-left:56px}
.menu ul{list-style:none;margin:0;padding:0;display:flex;gap:30px}
.menu>ul>li>a{font-family:Poppins,sans-serif;font-weight:500;font-size:.9rem;color:var(--ink);text-decoration:none;padding:34px 0;display:block;border-bottom:3px solid transparent}
.menu>ul>li>a.on{border-color:var(--red)}.menu a:hover{color:var(--red)}
.has-dd{position:relative}.has-dd>a::after{content:" ⌄";font-size:.8em}
.dd{display:none!important;position:absolute;top:100%;left:-16px;background:#fff;box-shadow:var(--sh);border-radius:10px;padding:10px 0!important;min-width:240px;flex-direction:column;gap:0!important}
.dd a{display:block;padding:9px 18px;color:var(--ink);text-decoration:none;font-family:Poppins,sans-serif;font-size:.9rem}
.has-dd:hover .dd,.has-dd:focus-within .dd{display:flex!important}
.nav-r{display:flex;align-items:center;gap:20px}.tel{display:flex;align-items:center;gap:8px;font-family:Poppins,sans-serif;font-size:.9rem;color:var(--ink);text-decoration:none}
.burger{display:none;background:none;border:0;padding:8px;cursor:pointer}.burger span{display:block;width:26px;height:2px;background:var(--navy);margin:6px 0}
/* hero */
.hero{padding:40px 0 140px}.hero h1{max-width:none}.tag{font-family:Poppins,sans-serif;font-size:1.3rem;font-weight:500;color:#374151;margin:20px 0 40px}
.g2x{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}.g2x.top{align-items:start}
.rimg{border-radius:20px;box-shadow:0 20px 40px rgba(17,24,39,.18);width:100%;object-fit:cover;aspect-ratio:4/3}.rimg.tall{aspect-ratio:auto;height:100%;max-height:560px}
.wave{position:absolute;left:0;right:0;bottom:-1px;height:90px;background:#fff;clip-path:ellipse(75% 100% at 30% 100%)}
.goals h2{margin-bottom:40px}.g3c{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.goal{background:#fff;border-radius:var(--r);box-shadow:var(--sh);overflow:hidden;text-decoration:none;color:var(--ink);padding-bottom:28px;display:flex;flex-direction:column;align-items:center}
.goal img{width:100%;aspect-ratio:2/1;object-fit:cover}.gi{display:grid;place-items:center;width:58px;height:58px;border-radius:12px;background:var(--grey);margin:24px 0 18px;color:var(--navy)}
.goal h3{font-size:1.5rem}.goal p{color:var(--muted);font-size:.9rem;padding:0 26px;flex:1}.lm{display:flex;gap:6px;align-items:center;font-family:Poppins,sans-serif;font-size:.9rem;font-weight:500}.lm .ic{width:16px}
.g2e{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.tbox{background:var(--navy);color:#fff;border-radius:20px;padding:48px}.tbox h2{color:#fff}.tbox ul{list-style:none;padding:0;margin:24px 0}
.tbox li{display:flex;gap:16px;margin-bottom:26px}.tbox h4{color:#fff;margin:0 0 4px}.tbox p{color:#D1D5DB;font-size:.92rem;margin:0}
.how{background:var(--grey)}.tl{list-style:none;padding:0;margin:30px 0}.tl li{display:flex;gap:18px;margin-bottom:18px;align-items:flex-start}
.tl b{flex:none;width:34px;height:34px;border-radius:50%;background:#E5E7EB;display:grid;place-items:center;font-size:.85rem;color:#374151}
.tl li.on b{background:var(--red);color:#fff;box-shadow:0 0 0 6px rgba(220,20,60,.15)}.tl h4{margin:6px 0 2px}.tl li.on h4{color:var(--red)}.tl p{font-size:.9rem;color:var(--muted);margin:0}
.exc{font-family:Poppins,sans-serif;font-weight:600;font-size:1.2rem}.stars{color:#FACC15;letter-spacing:2px}
.revs{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:40px 0;text-align:left}
.rev{margin:0;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:0 4px 14px rgba(0,0,0,.04)}.rev img{aspect-ratio:16/9;object-fit:cover;width:100%}
.rev>div{padding:22px}.rev blockquote{margin:10px 0 16px;font-size:.92rem;color:#4B5563}.rev figcaption{display:grid;grid-template-columns:auto 1fr;column-gap:12px;border-top:1px solid var(--line);padding-top:14px}
.av{grid-row:span 2;width:36px;height:36px;border-radius:50%;background:var(--maroon);color:#fff;display:grid;place-items:center;font-weight:700}.rev b{font-family:"Bebas Neue";font-size:1.1rem;font-weight:400}.rev small{color:var(--muted)}
.join{font-family:"Bebas Neue";font-size:1.3rem}
/* about */
.ahero{background-size:cover;background-position:center;color:#fff;padding:90px 0 150px}.ahero::before{content:"";position:absolute;inset:0;background:rgba(17,24,39,.65)}.ahero .wrap{position:relative}
.ahero h1{color:#fff;max-width:14ch}.ahero p{max-width:560px;font-family:Poppins,sans-serif;font-size:.95rem;margin-bottom:28px}.ahero .pill{color:var(--navy)}
.big{font-family:Poppins,sans-serif;font-weight:600;font-size:1.1rem;color:var(--navy);margin-bottom:28px}
.vals{list-style:none;padding:0}.vals li{display:flex;gap:14px;margin-bottom:18px}.vals .ic{color:var(--maroon);width:20px}.vals h4{font-family:Poppins,sans-serif;font-weight:600;font-size:.95rem;margin:0 0 2px}.vals p{font-size:.9rem;color:var(--muted);margin:0}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:64px}.stats div{background:var(--maroon2);color:#fff;border-radius:14px;padding:30px;text-align:center;box-shadow:var(--sh)}
.stats b{display:block;font-family:"Bebas Neue";font-weight:400;font-size:3.4rem;line-height:1}.stats span{font-size:.92rem}
.team{background:var(--maroon2)}.team h2{color:#fff}.tcard{background:#fff;border-radius:16px;max-width:320px;margin:30px auto 0;overflow:hidden;padding-bottom:22px}
.tcard img{width:100%;aspect-ratio:1;object-fit:cover;object-position:top}.tcard h3{margin:16px 0 0}.tcard p{color:var(--muted);margin-bottom:8px}.tcard a{display:block;font-size:.9rem}
/* programs */
.lphero{padding:50px 0 120px}.lphero p{color:var(--muted)}.tabs{display:flex;justify-content:center;gap:90px;margin-top:40px}
.tabs a{display:flex;flex-direction:column;align-items:center;gap:10px;font-family:"Bebas Neue";font-size:1.05rem;color:var(--navy);text-decoration:none;padding-bottom:12px;border-bottom:3px solid transparent}
.tabs .ic{width:34px;height:34px}.tabs a.on{color:var(--maroon);border-color:var(--red)}
.plan{margin:48px 0 14px;font-size:1.7rem}.tw{overflow-x:auto;border-radius:10px;box-shadow:var(--sh)}table{width:100%;border-collapse:collapse;font-size:.9rem}
th{background:var(--blue);color:#fff;font-family:"Bebas Neue";font-weight:400;font-size:1.1rem;text-align:left;padding:12px 16px}td{padding:10px 16px;border-bottom:1px solid var(--line)}td:first-child{font-weight:600;width:50%;border-right:1px solid var(--line)}
tbody tr:nth-child(even){background:#F9FAFB}
.projs{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:30px}.proj{margin:0;background:#fff;border-radius:14px;overflow:hidden;box-shadow:var(--sh)}
.proj img{aspect-ratio:4/3;object-fit:cover;width:100%}.proj figcaption{padding:16px 20px;display:grid}.proj b{font-family:"Bebas Neue";font-weight:400;font-size:1.6rem;color:var(--maroon)}.proj small{color:var(--muted)}
/* contact & forms */
.chero{padding:50px 0 80px}.up{margin-top:30px}.agent{display:flex;gap:16px;align-items:center;background:#fff;border-radius:12px;padding:16px;box-shadow:var(--sh);max-width:360px}
.agent img{width:64px;height:64px;border-radius:8px;object-fit:cover}.agent b{display:block;font-family:"Bebas Neue";font-weight:400;font-size:1.2rem}.agent a{display:block;font-size:.85rem;color:var(--ink);text-decoration:none}
.oh{display:flex;gap:80px;margin-top:30px;padding-top:24px;border-top:1px solid #E5DED4}.oh p{margin:0;font-size:.9rem}.red-t{color:var(--maroon2)}
.social{display:flex;gap:12px}.social a{color:inherit}.social .ic{width:20px;height:20px}
.card{background:#fff;border-radius:16px;box-shadow:var(--sh);padding:30px}
.prog{display:flex;list-style:none;padding:0;margin:0 0 24px;justify-content:space-between}.prog li{flex:1;display:flex;flex-direction:column;align-items:center;font-size:.72rem;color:var(--muted);position:relative}
.prog li:not(:last-child)::after{content:"";position:absolute;top:15px;left:60%;width:80%;height:2px;background:var(--line)}
.prog b{width:30px;height:30px;border-radius:50%;background:#E5E7EB;display:grid;place-items:center;color:#374151;margin-bottom:4px;z-index:1}.prog li.on b{background:var(--red);color:#fff}.prog li.on{color:var(--ink);font-weight:600}
.step{border:0;padding:0;margin:0 0 10px}.step h3{text-align:center;font-size:1.5rem;margin:0}.sub{text-align:center;color:var(--muted);font-size:.85rem}
.f{display:block;margin-bottom:14px}.f>span,.f legend{display:block;font-family:Poppins,sans-serif;font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.04em;color:#4B5563;margin-bottom:6px}
.inp{display:flex}.pre{padding:10px 12px;background:var(--grey);border:1px solid var(--line);border-right:0;border-radius:8px 0 0 8px;color:var(--muted)}.pre+input{border-radius:0 8px 8px 0}
input,select,textarea{width:100%;font:inherit;font-size:16px;padding:10px 12px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid rgba(220,20,60,.35);border-color:var(--red)}
.rad{border:0;padding:0}.rad label{display:flex;gap:10px;align-items:center;padding:12px 14px;border:1px solid var(--line);border-radius:8px;margin-bottom:8px;cursor:pointer}.rad input{width:auto}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:14px}.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.wnav{display:flex;justify-content:flex-end;gap:10px;margin-top:10px}.fine{font-size:.75rem;color:var(--muted);text-align:center;margin-top:18px}
.js .wiz .step{display:none}.js .wiz .step.cur{display:block}.js .wiz .prev,.js .wiz .sub{display:none}.wiz .next{display:none}.js .wiz .next{display:inline-flex}
.js .wiz.last .next{display:none}.js .wiz.last .sub{display:inline-flex}.js .wiz.notfirst .prev{display:inline-flex}
.hp{position:absolute;left:-9999px}
.faq{text-align:left;margin:30px 0 50px}details{border:1px solid var(--line);border-radius:10px;margin-bottom:12px;background:#fff}
summary{cursor:pointer;padding:16px 20px;font-family:Poppins,sans-serif;font-weight:500;list-style:none;display:flex;justify-content:space-between}summary::after{content:"⌄";color:var(--muted)}details[open] summary::after{content:"⌃"}
details p{padding:0 20px 16px;color:#4B5563;margin:0}.ask{background:var(--cream);text-align:center}.qq{text-align:left;margin-top:16px}.qq .btn{display:flex;margin:0 auto}
.prose h2{font-size:1.6rem;margin-top:1.4em}
/* footer */
.ftr{background:var(--foot);color:#E5E7EB;font-family:Poppins,sans-serif;font-size:.88rem}.fgrid{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr 1.3fr;gap:30px;padding-top:60px;padding-bottom:30px}
.ftr h4{font-family:Poppins,sans-serif;font-weight:600;color:#fff;font-size:1rem}.ftr ul{list-style:none;padding:0;margin:0 0 14px}.ftr li{margin-bottom:8px}.ftr a{color:#E5E7EB;text-decoration:none}.ftr a:hover{color:#fff}
.fbrand{text-align:center}.fbrand img{margin:0 auto}.legal p{font-size:.72rem;color:#9CA3AF;border-top:1px solid #334155;padding-top:18px}
.fbar{background:var(--foot2);padding:16px 0;font-size:.8rem}.fbar .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px}
@media(max-width:960px){
 .burger{display:block}.menu{display:none;position:absolute;top:92px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;margin:0;padding:10px 24px 24px;box-shadow:var(--sh)}
 .menu.open{display:flex}.menu ul{flex-direction:column;gap:0}.menu>ul>li>a{padding:12px 0;border:0}.dd{display:flex!important;position:static;box-shadow:none;padding:0 0 0 14px!important}.has-dd>a::after{content:""}
 .nav-r{flex-direction:column;align-items:stretch;gap:12px;margin-top:12px}.nav-r .btn{justify-content:center}
 .g2x,.g2e,.g3c,.revs,.projs,.stats,.fgrid{grid-template-columns:1fr}.g2x{gap:36px}.hero{padding-bottom:110px}.tabs{gap:20px}.tabs a{font-size:.9rem;text-align:center}
 section{padding:56px 0}.oh{gap:40px}.g3{grid-template-columns:1fr}.tbox{padding:32px}.fgrid{text-align:left}.fbrand{text-align:left}.fbrand img{margin:0}
}
@media(max-width:520px){.g2{grid-template-columns:1fr}.prog span{display:none}.card{padding:22px}}

.tcards{display:flex;flex-wrap:wrap;justify-content:center;gap:24px}.tcards .tcard{margin:30px 0 0;flex:1 1 280px}
.chero .agent+.agent{margin-top:12px}
/* home v2 */
.h2hero{background-size:cover;background-position:center;color:#fff;padding:110px 0 120px}.h2hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(17,24,39,.88),rgba(17,24,39,.55))}.h2hero .wrap{position:relative}
.h2hero h1{color:#fff;max-width:16ch}.eyebrow{font-family:Poppins,sans-serif;text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;color:#FCA5A5;margin-bottom:12px}
.lead{font-family:Poppins,sans-serif;font-size:1.15rem;max-width:560px;color:#E5E7EB}.ctas{display:flex;flex-wrap:wrap;gap:14px;margin:28px 0}.ctas.c{justify-content:center}
.btn.lg{padding:15px 28px;font-size:1rem}.outline{background:transparent;color:#fff;border:2px solid #fff}.outline:hover{background:#fff;color:var(--navy)}.btn.white{background:#fff;color:var(--maroon)}
.chips{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px}.chips li{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:6px 14px;font-size:.88rem}
.statband{background:var(--maroon);color:#fff;padding:34px 0}.sb{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;text-align:center}.sb div{display:flex;flex-direction:column;align-items:center}.sb .ic{width:28px;height:28px;opacity:.8}.sb b{font-family:"Bebas Neue";font-weight:400;font-size:2.8rem;line-height:1.1}.sb span{font-size:.9rem;opacity:.9}
.pcards{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin:36px 0 10px;text-align:left}
.pcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;text-decoration:none;color:var(--ink);box-shadow:0 4px 14px rgba(0,0,0,.04);transition:.2s}.pcard:hover{border-color:var(--red);transform:translateY(-3px);box-shadow:var(--sh)}
.pcard .gi{margin:0 0 16px}.pcard p{color:var(--muted);font-size:.92rem}.pcard ul{list-style:none;padding:0;margin:0 0 18px;flex:1}.pcard li{display:flex;gap:8px;align-items:center;font-size:.92rem;margin-bottom:6px}.pcard li .ic{width:18px;color:var(--red)}.pcard .lm{color:var(--maroon)}
.hsteps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin:36px 0}.hsteps li{background:#fff;border-radius:var(--r);padding:30px;box-shadow:0 4px 14px rgba(0,0,0,.04)}
.hsteps b{display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--red);color:#fff;margin:0 auto 14px;font-size:1.1rem}.hsteps p{color:var(--muted);font-size:.92rem;margin:0}
.lm2{display:inline-flex;gap:6px;align-items:center;font-family:Poppins,sans-serif;font-weight:500}.lm2 .ic{width:16px}.mt0{margin-top:24px}
.ctaband{background:var(--navy);color:#fff}.ctaband h2{color:#fff}.ctaband p{color:#D1D5DB}.team2{font-size:.9rem}.team2 a{color:#fff}
@media(max-width:960px){.pcards{grid-template-columns:1fr 1fr}.hsteps,.sb{grid-template-columns:1fr}.h2hero{padding:70px 0 80px}}
@media(max-width:600px){.pcards{grid-template-columns:1fr}.ctas .btn{width:100%;justify-content:center}}

/* loan programs v2 (match home) */
.lph{position:relative;padding:80px 0 70px}.lph h1{max-width:none;margin:0 auto .2em}.lph .lead{margin:0 auto}
.lph .tabs{flex-wrap:wrap;gap:12px;margin-top:30px}
.lph .tabs a{flex-direction:row;gap:8px;font-family:Poppins,sans-serif;font-size:.92rem;font-weight:500;color:#fff;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:10px 18px;transition:.2s}
.lph .tabs .ic{width:20px;height:20px}.lph .tabs a:hover{background:rgba(255,255,255,.22)}.lph .tabs a.on{background:var(--red);border-color:var(--red);color:#fff}
.pblocks{display:grid;grid-template-columns:repeat(auto-fit,minmax(420px,1fr));gap:26px;margin-top:48px}
.pblock{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:0 4px 14px rgba(0,0,0,.04)}
.pblock .plan{margin:0 0 16px;font-size:1.55rem;padding-left:12px;border-left:4px solid var(--red)}
.pblock .tw{box-shadow:none;border:1px solid var(--line);border-radius:12px}
.pblock th{background:var(--navy);font-family:Poppins,sans-serif;font-size:.78rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;padding:12px 16px}
.pblock td{font-family:Poppins,sans-serif;font-size:.9rem;padding:12px 16px}.pblock td:first-child{color:var(--muted);font-weight:500;border-right:0}.pblock td:last-child{color:var(--navy);font-weight:600}
.pblock tr:nth-child(even) td{background:#F9FAFB}.pblock tr:last-child td{border-bottom:0}
@media(max-width:600px){.pblocks{grid-template-columns:1fr}.pblock{padding:18px}.lph{padding:56px 0 50px}.lph .tabs a{font-size:.82rem;padding:8px 14px}}
.magent{margin:6px 0 18px}.magent img{border-radius:50%;object-fit:cover}.magent .muted{display:block;font-size:.85rem}