:root{--ink:#152c45;--navy:#0b2948;--blue:#1975aa;--sky:#e6f3f8;--teal:#3b93a4;--cream:#faf9f5;--line:#dbe5eb;--text:#4d6272;--shadow:0 20px 60px rgba(13,52,78,.13)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:white;font-family:'DM Sans',Arial,sans-serif;font-size:16px;line-height:1.65}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}button,input,textarea{font:inherit}.site-width{width:min(1160px,calc(100% - 48px));margin-inline:auto}.top-strip{background:var(--navy);color:#d4eaf6;font-size:.79rem;letter-spacing:.03em}.top-strip-inner{display:flex;justify-content:space-between;gap:16px;padding:7px 0}.top-strip a{color:#fff}.site-header{background:#fff;position:relative;z-index:20;box-shadow:0 3px 20px rgba(11,41,72,.05)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:94px}.brand{display:flex;align-items:center;gap:14px;flex-shrink:0}.brand img{width:160px;max-height:70px;object-fit:contain}.brand span{border-left:1px solid var(--line);padding-left:14px;color:var(--text);font-size:.73rem;line-height:1.3;max-width:115px}.main-nav{display:flex;align-items:center;gap:24px;font-size:.88rem;font-weight:700}.main-nav>a:not(.nav-cta),.nav-group>a{transition:color .2s}.main-nav>a:hover,.nav-group:hover>a{color:var(--blue)}.nav-cta,.button{display:inline-flex;align-items:center;justify-content:center;gap:22px;border:1px solid var(--blue);background:var(--blue);color:#fff;border-radius:5px;padding:14px 21px;font-size:.86rem;font-weight:800;line-height:1.25;white-space:nowrap;transition:transform .22s,box-shadow .22s,background .22s}.nav-cta{padding:12px 16px}.button:hover,.nav-cta:hover{background:#0b5f91;box-shadow:0 12px 26px rgba(25,117,170,.2);transform:translateY(-2px);color:#fff}.nav-group{position:relative;padding:34px 0}.nav-submenu{position:absolute;top:100%;left:-18px;background:#fff;width:175px;padding:10px;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:7px;display:none}.nav-group:hover .nav-submenu,.nav-group:focus-within .nav-submenu{display:grid}.nav-submenu a{padding:7px 10px;border-radius:3px}.nav-submenu a:hover{background:var(--sky)}.menu-toggle{display:none}.hero{display:grid;grid-template-columns:1.02fr .98fr;align-items:center;gap:55px;padding-top:72px;padding-bottom:86px}.eyebrow{text-transform:uppercase;letter-spacing:.17em;color:var(--blue);font-weight:800;font-size:.74rem}.hero h1,h2,h3{font-family:Manrope,'DM Sans',Arial,sans-serif;line-height:1.18}.hero h1{font-size:clamp(2.7rem,5.2vw,4.9rem);letter-spacing:-.06em;margin:16px 0 23px}.hero h1 em,h2 em{font-style:normal;color:var(--blue)}.hero-copy>p{color:var(--text);font-size:1.1rem;max-width:550px}.hero-copy .hero-promise{font-size:.95rem;margin:22px 0 28px}.hero-promise strong{text-transform:uppercase;color:var(--ink)}.action-row{display:flex;align-items:center;gap:24px;flex-wrap:wrap}.text-link{color:var(--blue);font-weight:800;border-bottom:1px solid currentColor;padding-bottom:3px}.text-link span{margin-left:10px}.signature{margin-top:35px;display:flex;align-items:end;gap:20px}.signature img{width:145px;max-height:65px;object-fit:contain}.signature span{font-size:.68rem;color:var(--text)}.hero-visual{position:relative;min-height:460px;border-radius:10px;background:var(--sky);overflow:hidden;box-shadow:var(--shadow)}.hero-visual>img{width:100%;height:100%;min-height:460px;object-fit:cover;object-position:center}.hero-note{position:absolute;bottom:24px;left:24px;background:#fff;padding:13px 18px;border-left:4px solid var(--blue);box-shadow:0 8px 25px #082f4a26}.hero-note span{display:block;text-transform:uppercase;letter-spacing:.16em;color:var(--blue);font-size:.63rem;font-weight:800}.hero-note strong{font-family:Manrope;font-size:1.15rem}.trust-band{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--cream)}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr)}.trust-grid>div{padding:24px 32px;border-left:1px solid var(--line)}.trust-grid>div:first-child{border-left:0}.trust-grid strong,.trust-grid span{display:block}.trust-grid strong{font-family:Manrope;font-size:.95rem}.trust-grid span{color:var(--text);font-size:.82rem}.section{padding-top:110px;padding-bottom:110px}.section h2,.review-section h2,.final-cta h2{font-size:clamp(2rem,3.4vw,3.4rem);letter-spacing:-.045em;margin:13px 0 20px}.section p,.final-cta p{color:var(--text);max-width:670px}.split-section{display:grid;grid-template-columns:1fr .78fr;gap:100px;align-items:center}.split-section .button{margin-top:15px}.image-frame{height:430px;overflow:hidden;border-radius:8px;background:var(--sky)}.image-frame img{width:100%;height:100%;object-fit:cover;object-position:center 28%}.section-tint{background:var(--sky)}.section-head{text-align:center;max-width:750px;margin:0 auto 45px}.section-head.left{text-align:left;margin-left:0;margin-bottom:0}.section-head.left .text-link{display:inline-block;margin-top:12px}.section-head p{margin-inline:auto}.section-head.left p{margin-left:0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.service-card{display:block;position:relative;background:#fff;border:1px solid #d7e7ee;padding:36px 30px;min-height:260px;border-radius:7px;transition:transform .25s,box-shadow .25s}.service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}.service-card span{color:var(--blue);font-weight:800;font-size:.8rem}.service-card h3{font-size:1.35rem;margin:31px 0 10px}.service-card p{font-size:.91rem;margin:0}.service-card b{position:absolute;top:30px;right:30px;color:var(--blue)}.review-section{background:var(--cream);padding:90px 0}.review-inner{text-align:center}.review-inner .text-link{display:inline-block;margin-top:25px}.final-cta{display:flex;justify-content:space-between;align-items:center;gap:25px;padding-top:90px;padding-bottom:90px}.final-cta h2{margin-bottom:8px}.final-cta p{margin:0}.button-outline{background:transparent;color:var(--blue)}.button-outline:hover{color:white}.site-footer{background:var(--navy);color:#d9e7f1;padding:65px 0 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.5fr;gap:45px}.footer-grid h2{color:#fff;font-size:.9rem;margin:4px 0 18px}.footer-grid a:not(.button){display:block;margin:8px 0;color:#d9e7f1;font-size:.87rem}.footer-grid a:hover{color:#fff}.footer-grid p{font-size:.85rem;max-width:240px}.footer-logo{width:150px;background:white;border-radius:3px;padding:5px}.footer-grid .footer-phone{font-weight:800;font-size:1.05rem!important;color:#fff!important}.button-light{background:#fff;color:var(--navy);border-color:#fff}.button-light:hover{background:var(--sky);color:var(--navy)}.footer-bottom{border-top:1px solid #ffffff30;display:flex;justify-content:space-between;padding-top:22px;margin-top:65px;color:#afc5d3;font-size:.76rem}.footer-bottom a:hover{color:#fff}
.page-hero{background:linear-gradient(115deg,#eaf5f8 0%,#f7fbfc 70%);padding:75px 0}.page-hero h1{font-size:clamp(2.3rem,4vw,4rem);letter-spacing:-.05em;margin:10px 0 16px}.page-hero p{color:var(--text);max-width:750px;margin:0}.page-body{padding-top:75px;padding-bottom:100px}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:75px}.prose h2{font-size:1.8rem;margin:35px 0 12px}.prose h2:first-child{margin-top:0}.prose p{color:var(--text)}.prose blockquote{margin:25px 0;padding:24px 30px;background:var(--sky);border-left:4px solid var(--blue);font-family:Manrope;font-weight:700}.side-card{background:var(--cream);border:1px solid var(--line);border-radius:7px;padding:28px;align-self:start}.side-card h2{font-size:1.1rem;margin:0 0 18px}.side-card>a:not(.button){display:block;border-top:1px solid var(--line);padding:10px 0;color:var(--blue);font-size:.88rem;font-weight:700}.side-card .button{width:100%;margin-top:20px}.list-card{border:1px solid var(--line);background:#fff;border-radius:7px;padding:25px;margin-bottom:15px;transition:box-shadow .2s}.list-card:hover{box-shadow:0 10px 25px #14334b10}.list-card h2,.list-card h3{font-size:1.2rem;margin:0 0 8px}.list-card p{margin:0;color:var(--text)}.list-card small{color:var(--blue)}.list-card a{color:var(--blue);font-weight:700}.empty-state{background:var(--cream);border:1px dashed #cbdce5;padding:25px;border-radius:6px;color:var(--text)}.data-table{width:100%;border-collapse:collapse}.data-table th{text-align:left;background:var(--navy);color:white;padding:12px}.data-table td{border-bottom:1px solid var(--line);padding:12px}.tag-list{display:flex;flex-wrap:wrap;gap:10px}.tag-list a{border:1px solid var(--line);padding:8px 12px;border-radius:4px;color:var(--blue)}.video-frame{width:100%;aspect-ratio:16/9;border:0;border-radius:7px}.broker-photo{max-width:280px;border-radius:8px;float:right;margin:0 0 20px 25px}.reveal{opacity:0;transform:translateY(20px);transition:opacity .65s ease,transform .65s ease}.reveal.is-visible{opacity:1;transform:none}
.home-banner{margin-top:35px}.home-banner img{width:100%;height:auto;border-radius:7px;box-shadow:var(--shadow)}.hero{display:block;padding-top:60px;padding-bottom:65px}.hero-copy{max-width:850px}.hero h1{max-width:780px}.footer-cities{border-top:1px solid #ffffff30;margin-top:45px;padding-top:25px}.footer-cities h2{font-size:.9rem;color:#fff;margin:0 0 12px}.city-links{display:flex;flex-wrap:wrap;gap:3px 19px}.city-links a{font-size:.77rem;color:#bcd0dd}.city-links a:hover{color:#fff}
@media(max-width:1000px){.brand span{display:none}.main-nav{gap:13px}.hero{gap:28px}.split-section{gap:40px}.footer-grid{gap:20px}}
@media(max-width:760px){.site-width{width:min(100% - 32px,620px)}.top-strip-inner span{display:none}.header-inner{min-height:74px}.brand img{width:135px}.menu-toggle{display:grid;gap:4px;border:0;background:none;padding:10px}.menu-toggle span{display:block;width:24px;height:2px;background:var(--navy)}.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:white;padding:15px 24px 25px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch;gap:0}.main-nav.open{display:flex}.main-nav>a,.nav-group>a{display:block;padding:10px 0}.nav-group{padding:0}.nav-submenu{position:static;display:grid;width:auto;padding:0 0 4px 14px;box-shadow:none;border:0}.nav-submenu a{padding:4px}.nav-cta{justify-content:center;margin-top:8px}.hero{grid-template-columns:1fr;padding-top:45px;padding-bottom:50px}.hero h1{font-size:clamp(2.6rem,11vw,4rem)}.hero-visual,.hero-visual>img{min-height:300px}.trust-grid{grid-template-columns:1fr}.trust-grid>div{border-left:0;border-bottom:1px solid var(--line);padding:14px 0}.section{padding-top:70px;padding-bottom:70px}.split-section{grid-template-columns:1fr}.image-frame{height:340px}.cards{grid-template-columns:1fr}.service-card{min-height:210px}.final-cta{display:block;padding-top:70px;padding-bottom:70px}.final-cta .action-row{margin-top:25px}.footer-grid{grid-template-columns:1fr 1fr;gap:35px}.content-grid{grid-template-columns:1fr;gap:35px}.page-hero{padding:55px 0}.page-body{padding-top:50px;padding-bottom:70px}.broker-photo{float:none;margin:0 0 25px}}
@media(max-width:480px){.footer-grid{grid-template-columns:1fr}.footer-bottom{gap:15px;flex-direction:column}.action-row{gap:16px}.hero-note{bottom:12px;left:12px}.data-table{font-size:.76rem}.data-table th,.data-table td{padding:7px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation-duration:.01ms!important;transition-duration:.01ms!important}.reveal{opacity:1;transform:none}}

/* Homepage rates and pared-back service cards */
.admin-login{max-width:560px}
.admin-login .contact-form{display:grid;gap:18px}
.admin-shell{min-height:60vh}
.admin-top,.admin-heading,.admin-paging{display:flex;justify-content:space-between;align-items:center;gap:18px;margin-bottom:22px}
.admin-top form{margin:0}
.admin-logout{background:none;border:0;cursor:pointer}
.admin-section-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.admin-section-grid .list-card{margin:0}.admin-section-grid h2{font-size:1.05rem}
.admin-section-grid span{color:var(--blue);font-size:.85rem;font-weight:700}
.admin-sections{display:flex;flex-wrap:wrap;gap:7px;margin:24px 0 32px}
.admin-sections a{font-size:.8rem;font-weight:700;padding:7px 11px;border:1px solid var(--line);border-radius:5px;color:var(--blue)}
.admin-sections a.active{background:var(--blue);border-color:var(--blue);color:#fff}
.admin-content{max-width:1000px}.admin-heading h2{margin:0;font-size:1.6rem}.admin-heading small{color:var(--text);font-size:.8rem}
.admin-form{display:grid;gap:18px;max-width:760px}.admin-form>div{display:grid;gap:5px}.admin-form input,.admin-form select,.admin-form textarea,.admin-login input{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:5px;background:#fff;color:var(--ink)}
.admin-form textarea{resize:vertical;min-height:125px}.admin-form .button{justify-self:start}
.admin-row-list{display:grid;gap:9px}.admin-row-list a{display:grid;grid-template-columns:75px minmax(0,1fr) 60px;gap:14px;align-items:center;padding:14px 17px;border:1px solid var(--line);border-radius:6px;background:#fff}
.admin-row-list a:hover{border-color:var(--blue);box-shadow:0 8px 24px #14334b12}.admin-row-list span{overflow:hidden;text-overflow:ellipsis;white-space:nowrap;color:var(--text)}.admin-row-list b{color:var(--blue);font-size:.8rem}
.admin-paging{justify-content:flex-start;margin-top:20px}.admin-success{border-color:#8cc6ad;background:#eefaf3}
.admin-delete{margin-top:38px;padding-top:20px;border-top:1px solid var(--line)}.admin-delete label{display:block;margin-bottom:10px}.admin-delete button{background:#8d2d2d;border:0;border-radius:4px;color:#fff;padding:9px 14px;cursor:pointer}
@media(max-width:760px){.admin-section-grid{grid-template-columns:1fr 1fr}.admin-row-list a{grid-template-columns:50px minmax(0,1fr)}.admin-row-list b{display:none}}
@media(max-width:480px){.admin-section-grid{grid-template-columns:1fr}.admin-heading{align-items:start;flex-direction:column}}
.hero-copy{max-width:none;text-align:center}
.hero h1{max-width:1000px;margin-left:auto;margin-right:auto}
.hero-copy>p{max-width:720px;margin-left:auto;margin-right:auto}
.hero-copy .hero-promise{margin-left:auto;margin-right:auto}
.hero .action-row,.hero .signature{justify-content:center}
.hero .signature{margin-top:28px}
.approval-form-frame{width:min(100%,480px);height:auto;aspect-ratio:560/500;justify-self:center;background:transparent}
.approval-form-frame img{object-fit:contain;object-position:center}

/* ReviewTec supplies a table with inline type and spacing. Keep its live content,
   but present each row as a card within the two review sections. */
#reviewtec-widget{max-width:100%;text-align:left}
#reviewtec-widget>table{width:100%!important;border:0;border-collapse:separate;font-family:'DM Sans',Arial,sans-serif!important;font-size:1rem!important}
#reviewtec-widget tbody{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
#reviewtec-widget tr{display:grid;grid-template-columns:36px minmax(0,1fr);gap:14px;min-width:0;padding:26px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 10px 28px rgba(13,52,78,.06);transition:transform .25s,box-shadow .25s}
#reviewtec-widget tr:hover{transform:translateY(-3px);box-shadow:0 15px 35px rgba(13,52,78,.11)}
#reviewtec-widget td{display:block;min-width:0;width:auto!important;padding:0!important;vertical-align:top}
#reviewtec-widget td:first-child img{width:34px!important;height:auto;border-radius:4px}
#reviewtec-widget td:nth-child(2)>img{width:90px!important;height:auto;margin:3px 0 15px}
#reviewtec-widget td:nth-child(2)>br{display:none}
#reviewtec-widget td i{display:block;color:var(--ink);font-style:normal;font-size:.97rem;line-height:1.65;overflow-wrap:anywhere}
#reviewtec-widget td div{float:none!important;clear:both;text-align:left!important;margin:20px 0 0!important;color:var(--text);font-size:.77rem!important;font-weight:700;line-height:1.5}
#reviewtec-widget>span{display:block;margin-top:22px;text-align:center;font-family:'DM Sans',Arial,sans-serif!important;font-size:.88rem!important}
#reviewtec-widget>span a{color:var(--blue);font-weight:800;text-decoration:underline;text-underline-offset:4px}
.review-inner #reviewtec-widget{margin-top:32px}
.review-inner #reviewtec-widget>span{display:none}
.review-inner>.text-link{margin-top:18px}
.testimonials-layout{grid-template-columns:minmax(0,1fr) 245px;gap:48px}
.testimonial-group-title{margin:0 0 22px!important;font-size:1.65rem!important}
.older-reviews-title{margin-top:58px!important}
.legacy-testimonials{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;align-items:start}
.legacy-testimonials blockquote{margin:0;padding:26px;background:#f7fbfc;border:1px solid var(--line);border-left:3px solid var(--blue);border-radius:8px;color:var(--ink);font-family:'DM Sans',Arial,sans-serif;font-size:.96rem;font-weight:400;line-height:1.65;overflow-wrap:anywhere}
.legacy-testimonials small{display:block;margin-top:18px;color:var(--text);font-size:.79rem;font-weight:700}
@media(max-width:1000px){.testimonials-layout{grid-template-columns:minmax(0,1fr) 220px;gap:30px}.testimonials-layout #reviewtec-widget tbody,.legacy-testimonials{grid-template-columns:1fr}}
@media(max-width:760px){.hero{padding-top:38px;padding-bottom:45px}.hero-copy>p{max-width:580px}.testimonials-layout{grid-template-columns:1fr}.review-inner #reviewtec-widget tbody{grid-template-columns:1fr}}
@media(max-width:480px){#reviewtec-widget tr{grid-template-columns:28px minmax(0,1fr);gap:12px;padding:20px}#reviewtec-widget td:first-child img{width:28px!important}.hero .signature{flex-wrap:wrap;gap:8px}}
.rates-section{background:#f8fbfc;border-bottom:1px solid var(--line)}
.rates-heading{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:32px}
.rates-heading h2{margin-bottom:10px}
.rates-heading p{margin:0;max-width:650px}
.rates-heading .text-link{white-space:nowrap;margin-bottom:6px}
.rate-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.rate-card{background:#fff;border:1px solid var(--line);border-radius:7px;padding:22px 23px;box-shadow:0 8px 24px rgba(13,52,78,.04)}
.rate-term{display:block;color:var(--text);font-size:.85rem;font-weight:700}
.rate-card strong{display:block;color:var(--blue);font-family:Manrope,sans-serif;font-size:2rem;letter-spacing:-.045em;line-height:1.25;margin:7px 0}
.rate-caption{display:block;color:var(--text);font-size:.73rem}
.rate-disclaimer{color:var(--text);font-size:.8rem;margin:22px 0 0}
.service-card{min-height:205px}
.service-card h3{margin:0 0 14px}

/* Contact information */
.contact-methods{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:30px 0 40px}
.contact-method{display:block;background:var(--sky);border:1px solid #cfe4ec;border-radius:7px;padding:20px 22px;overflow-wrap:anywhere;transition:transform .2s,box-shadow .2s}
.contact-method:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.contact-method small{display:block;color:var(--text);font-size:.72rem;text-transform:uppercase;letter-spacing:.11em;font-weight:800}
.contact-method strong{display:block;color:var(--blue);font-family:Manrope,sans-serif;font-size:1.12rem;line-height:1.35;margin-top:7px}
.hours-panel{border-top:1px solid var(--line);padding-top:12px}
.hours-list{margin:0;max-width:620px}
.hours-list>div{display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid var(--line);padding:10px 0}
.hours-list dt{font-weight:700}
.hours-list dd{margin:0;color:var(--text)}
@media(max-width:850px){.rate-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:1050px){.contact-methods{grid-template-columns:1fr}}
@media(max-width:600px){.rates-heading{display:block}.rates-heading .text-link{display:inline-block;margin-top:18px}.contact-methods{grid-template-columns:1fr}}
@media(max-width:760px){.service-card{min-height:0;padding:28px}}
.about-feature{display:grid;grid-template-columns:minmax(180px,240px) minmax(0,1fr);gap:28px;background:var(--cream);border:1px solid var(--line);border-radius:8px;padding:22px;margin:0 0 20px;align-items:start}
.about-feature img{width:100%;height:auto;border-radius:5px}
.about-feature h3{font-size:1.45rem;margin:8px 0 15px}
.about-feature p{margin:0 0 18px}
@media(max-width:1100px){.about-feature{grid-template-columns:1fr}.about-feature img{max-width:300px}}
/* Contact and newsletter forms */
.contact-form{display:grid;gap:19px;margin:22px 0 42px}
.contact-form .form-row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.contact-form label:not(.check-row){display:block;font-size:.86rem;font-weight:800;margin-bottom:6px}
.contact-form input:not([type=checkbox]),.contact-form textarea{width:100%;border:1px solid #b9ced9;border-radius:5px;background:#fff;padding:11px 13px;color:var(--ink)}
.contact-form input:focus,.contact-form textarea:focus{outline:2px solid var(--blue);outline-offset:1px}
.contact-form span[data-valmsg-for]{display:block;color:#a52f2f;font-size:.8rem;margin-top:4px}
.contact-form .button{justify-self:start;cursor:pointer}
.contact-form .button:disabled{background:#9db4c1;border-color:#9db4c1;cursor:not-allowed;box-shadow:none;transform:none}
.check-row{display:flex;align-items:start;gap:10px;font-size:.86rem;color:var(--text)}
.check-row input{margin-top:5px}
.form-trap{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.form-message{padding:15px 18px;border-left:4px solid #aa4b23;background:#fff5ee;color:#743715;border-radius:3px}
.form-message.success{border-color:#39815b;background:#eff9f2;color:#295c40}
@media(max-width:640px){.contact-form .form-row{grid-template-columns:1fr}}
/* Legacy homepage stories and local broker benefits */
.home-learning .section-head{margin-bottom:34px}
.home-learning-grid{display:grid;grid-template-columns:1fr 1fr;gap:55px}
.home-learning-grid h3{font-size:1.25rem;margin:0 0 19px}
.home-learning-grid .text-link{display:inline-block;margin-top:8px}
.learning-card{display:flex;align-items:start;gap:18px;padding:20px 0;border-top:1px solid var(--line);transition:transform .2s}
.learning-card:hover{transform:translateX(5px)}
.learning-card strong{display:block;font-family:Manrope,sans-serif;font-size:1rem}
.learning-card p{font-size:.86rem;line-height:1.55;margin:5px 0 0;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.play-mark{display:grid;place-items:center;flex:0 0 40px;height:40px;border-radius:50%;background:var(--sky);color:var(--blue);font-size:.72rem}
.learning-quote{margin:0 0 13px;padding:18px 21px;background:var(--cream);border-left:3px solid var(--blue)}
.learning-quote p{font-size:.88rem;line-height:1.55;margin:0 0 8px;display:-webkit-box;-webkit-line-clamp:4;-webkit-box-orient:vertical;overflow:hidden}
.learning-quote cite{font-style:normal;font-size:.75rem;color:var(--blue);font-weight:800}
.benefit-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 20px;padding:0;margin:18px 0 32px;list-style:none}
.benefit-list li{padding:10px 12px 10px 30px;background:var(--sky);border-radius:4px;position:relative;font-size:.9rem}
.benefit-list li:before{content:'✓';position:absolute;left:12px;color:var(--blue);font-weight:800}
@media(max-width:760px){.home-learning-grid{grid-template-columns:1fr;gap:40px}}
@media(max-width:520px){.benefit-list{grid-template-columns:1fr}}
.rich-content p,.rich-content div{margin:0 0 1em;color:var(--text)}
.rich-content p:last-child,.rich-content div:last-child{margin-bottom:0}
.rich-content strong{color:var(--ink)}
.error-reference{margin-top:45px;color:var(--text);font-size:.8rem}

/* The portrait balances the introduction; the next section carries the blue card. */
.hero{width:min(1160px,calc(100% - 48px));margin-top:28px;margin-bottom:36px;padding:45px 8px 55px;display:grid;grid-template-columns:minmax(0,1fr) minmax(290px,370px);gap:55px;align-items:center}
.hero-copy{position:relative;z-index:1;text-align:left}
.hero h1{max-width:670px;margin-left:0;margin-right:0;font-size:clamp(3.15rem,4.4vw,4.25rem)}
.hero-copy>p,.hero-copy .hero-promise{margin-left:0;margin-right:0}
.hero .action-row,.hero .signature{justify-content:flex-start}
.hero .signature span{color:#425e70}
.hero-portrait{width:100%;max-width:370px;justify-self:end;position:relative;z-index:1;padding:8px;border-radius:17px;background:#fff;box-shadow:0 17px 38px rgba(12,58,88,.16)}
.hero-portrait img{width:100%;aspect-ratio:1;object-fit:cover;border-radius:11px}
.preapproval-card{margin-top:36px;margin-bottom:90px;padding:55px 60px 58px;background:linear-gradient(140deg,#e8f3f9 0%,#f5fafc 58%,#eaf5fa 100%);border:1px solid #cfe3ed;border-radius:15px;box-shadow:0 20px 52px rgba(11,55,82,.1);position:relative;overflow:hidden;gap:70px}
.preapproval-card:before{content:"";position:absolute;inset:0 0 auto;height:4px;background:linear-gradient(90deg,#1a77ab,#64a9bc)}
.preapproval-card>div{position:relative;z-index:1}
@media(max-width:900px){.hero{grid-template-columns:1fr;gap:28px}.hero-copy{text-align:center}.hero h1{margin-left:auto;margin-right:auto}.hero-copy>p,.hero-copy .hero-promise{margin-left:auto;margin-right:auto}.hero .action-row,.hero .signature{justify-content:center}.hero-portrait{max-width:300px;justify-self:center}}
@media(max-width:760px){.hero{width:min(100% - 32px,620px);margin-top:20px;margin-bottom:25px;padding:36px 8px 40px}.preapproval-card{margin-top:24px;margin-bottom:65px;padding:42px 28px 45px;gap:30px}}
@media(max-width:480px){.hero{padding:28px 4px 34px}.hero h1{font-size:clamp(2.3rem,11vw,3.4rem)}.hero-portrait{max-width:235px}.preapproval-card{padding:34px 20px 38px;border-radius:11px}}
.brand img{width:190px}
@media(max-width:760px){.brand img{width:150px}}