*{box-sizing:border-box}
picture{display:contents}source{display:none}
html{scroll-behavior:smooth}body{margin:0;color:#13243b;background:#fff;font:17px/1.6 Arial,Helvetica,sans-serif}a{color:inherit;text-underline-offset:5px}header{max-width:1400px;margin:auto;padding:26px 5%;display:flex;align-items:center;justify-content:space-between;gap:30px;border-bottom:1px solid #dce1e8}.brand{text-decoration:none;font-size:28px;font-weight:900;line-height:1.05;letter-spacing:-1.4px}.brand span{color:#b11d1d}.brand small{display:block;font-size:10px;letter-spacing:1.3px;margin-top:9px}nav{display:flex;align-items:center;gap:28px;font-size:14px;font-weight:700}nav a{text-decoration:none}.button{display:inline-flex;align-items:center;justify-content:center;gap:28px;padding:17px 24px;background:#b11d1d;color:white;text-decoration:none;font-weight:700;border:1px solid #b11d1d;border-radius:3px;transition:background .2s}.button:hover{background:#881919}.button.small{padding:11px 19px}section{padding:90px max(6%,calc((100vw - 1240px)/2))}.hero{display:grid;grid-template-columns:1.15fr 1fr;align-items:center;gap:50px;padding-top:65px;padding-bottom:65px;background:#f4f6f8}.eyebrow{font-size:12px;font-weight:800;letter-spacing:2px;margin:0 0 25px;color:#9c2228}h1{font-size:clamp(54px,6.4vw,90px);line-height:1.01;letter-spacing:-5px;margin:0 0 27px;font-weight:900}em{font-style:normal;color:#b11d1d}h2{font-size:clamp(35px,3.5vw,49px);line-height:1.1;letter-spacing:-2px;margin:0 0 27px}h3{font-size:25px;line-height:1.25;letter-spacing:-.5px}.intro{font-size:21px;line-height:1.5}.actions{display:flex;align-items:center;gap:25px;flex-wrap:wrap;margin-top:28px}.text-link{font-size:15px;font-weight:700}.micro{font-size:12px;color:#566171;margin-top:20px}.portrait{position:relative;text-align:center;align-self:center;padding-top:40px}.portrait img{width:100%;height:auto;max-width:480px;display:block;margin:auto}.portrait-label{text-align:right;font-size:12px;font-weight:bold;letter-spacing:2px;margin-bottom:20px;transform:rotate(5deg)}.nameplate{position:relative;background:#13243b;color:white;margin:-24px auto 0;padding:22px 20px;text-align:left;max-width:405px;box-shadow:9px 9px 0 #b11d1d}.nameplate strong{display:block;font-size:26px;line-height:1.2}.nameplate span{display:block;font-size:14px;margin-top:7px}.nameplate small{font-size:12px;color:#d1d9e4}.ribbon{background:#13243b;color:#fff;display:flex;justify-content:space-evenly;padding:20px 5%;font-size:14px;font-weight:700;letter-spacing:.5px}.split{display:grid;grid-template-columns:1fr 1fr;gap:80px}.large{font-size:24px;line-height:1.45;margin-top:0}.navy{background:#13243b;color:#fff}.navy .eyebrow{color:#f58b8b}.cards{display:grid;grid-template-columns:repeat(3,1fr);margin-top:48px;border-top:1px solid #566071}.cards article{padding:32px 32px 10px 0}.cards article+article{border-left:1px solid #566071;padding-left:32px}.number{font-size:12px;letter-spacing:2px;color:#c0c9d4}.cards h3{font-size:31px}.cards p{color:#d0d8e2;font-size:16px}.cards a{display:inline-block;margin-top:15px;font-weight:700;font-size:15px}.section-heading{display:flex;justify-content:space-between;align-items:center;gap:30px}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:35px;margin-top:32px}.steps b{color:#b11d1d;font-size:14px}.steps p{font-size:16px;color:#536073}.steps.three{grid-template-columns:repeat(3,1fr);margin:0}.pale{background:#f4f6f8}.faq{max-width:900px}details{border-bottom:1px solid #cdd3dc;padding:22px 0}summary{cursor:pointer;font-weight:700;font-size:20px}details p{max-width:780px;color:#536073}.closing{text-align:center}.closing h2{font-size:clamp(43px,5.5vw,72px)}.closing p:last-child{font-size:14px}footer{background:#101e30;color:#d5dde8;padding:45px 6%;font-size:14px}.foot-top{display:flex;align-items:center;justify-content:space-between;gap:30px;margin-bottom:35px}.foot-top .brand{color:#fff}.foot-top img{background:#fff;padding:10px;border-radius:3px;max-height:100px}.fine{max-width:1050px;font-size:12px}.legal{display:flex;flex-wrap:wrap;gap:24px;font-size:12px;margin:25px 0}.pagehero{background:#f4f6f8}.pagehero h1{font-size:clamp(48px,6vw,78px);line-height:1.08}.pagehero>p{max-width:800px}.skip{position:absolute;top:-80px;background:#fff;padding:12px;z-index:10}.skip:focus{top:0}:focus-visible{outline:3px solid #2667ff;outline-offset:5px}@media(max-width:900px){header{align-items:flex-start}nav{gap:16px;flex-wrap:wrap;justify-content:flex-end}nav>a:not(.button){display:none}.hero{gap:30px}h1{letter-spacing:-3px}.split{gap:35px}.cards h3{font-size:26px}.steps{grid-template-columns:1fr 1fr}.section-heading{align-items:flex-start}}@media(max-width:620px){body{font-size:16px}header{padding:22px 6%;gap:12px}.brand{font-size:24px}.brand small{font-size:8px;letter-spacing:.7px}.button.small{font-size:12px;padding:10px}.hero{grid-template-columns:1fr;padding-top:45px}.hero h1{font-size:61px}.portrait{padding-top:0;max-width:380px;margin:auto}.portrait-label{margin-bottom:10px}.ribbon{font-size:11px;gap:15px;text-align:center}section{padding:60px 6%}.split,.cards,.steps.three{grid-template-columns:1fr;gap:25px}.cards article+article{border-left:0;border-top:1px solid #566071;padding-left:0}.cards article{padding-top:25px}.cards{margin-top:20px}.section-heading{display:block}.steps{gap:25px}.steps h3{font-size:22px}.foot-top{flex-wrap:wrap}.pagehero h1{letter-spacing:-2px}.pagehero a{overflow-wrap:anywhere}.legal{gap:15px}.intro{font-size:19px}.nameplate{margin-top:-15px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
/* Campaign revision (cinematic hero retired; byline, programs, reviews, yawn) */
.byline{display:flex;gap:18px;align-items:center;padding:22px 6%;border-bottom:1px solid #dce1e8}.byline img{border-radius:50%}.byline strong,.byline span{display:block}.byline strong{font-size:16px}.byline span{font-size:12px;color:#526072}.byline>a{margin-left:auto;font-size:15px;font-weight:bold}.program-intro{display:grid;grid-template-columns:1fr 1fr;column-gap:80px;align-items:end;margin-bottom:45px}.program-intro .eyebrow{grid-column:1/-1}.program-intro h2{margin:0}.program-intro>p:last-child{max-width:430px;margin-bottom:0}.loan-row{display:grid;grid-template-columns:30px 210px 1fr 175px;gap:30px;align-items:center;border-top:1px solid #ccd3dc;padding:35px 0}.loan-row img{width:100%;height:170px;object-fit:cover;border-radius:3px;filter:saturate(.75)}.loan-row .eyebrow{margin:0;font-size:12px}.loan-row h3{font:32px/1.15 Georgia,serif;margin:9px 0 15px}.loan-row p{font-size:16px}.loan-no{align-self:start;color:#a2282c;font-size:13px}.loan-row .loan-note{font-size:14px;color:#586576;border-left:2px solid #b11d1d;padding-left:15px}.more-loans{display:grid;grid-template-columns:repeat(3,1fr);gap:45px;padding:30px 0;border-top:1px solid #ccd3dc}.more-loans h3{font-size:23px}.more-loans p{font-size:16px}.program-foot{font-size:12px;color:#586576}.reviews{background:#12243b;color:#fff}.reviews .eyebrow{color:#edaaaa}.reviews .section-heading>p{font-size:14px;color:#d6dee8}.review-grid{display:grid;grid-template-columns:1.25fr 1fr;gap:0 55px;margin-top:25px}.review{margin:0;padding:28px 0 34px;border-top:1px solid #ffffff35}.quote-mark{font:64px/.8 Georgia,serif;color:#e8aaa9}.review blockquote{font:25px/1.5 Georgia,serif;margin:8px 0 25px}.review figcaption{font-size:15px;font-weight:bold}.review figcaption span{display:block;font-size:12px;color:#c1cedc;font-weight:400;margin-top:5px}.reviews .program-foot{color:#c1cedc}.yawn{padding:0;display:grid;grid-template-columns:1.15fr 1fr;background:#f1f3f4}.yawn img{width:100%;height:100%;min-height:390px;object-fit:cover}.yawn>div{padding:65px 12%}.yawn h2{font-family:Georgia,serif;font-weight:400;font-size:43px}.yawn .eyebrow{font-size:11px}.closing h2{font-family:Georgia,serif;font-weight:400}header nav{gap:20px}.brand small{font-size:12px;letter-spacing:.5px}
@media(max-width:1050px){.loan-row{grid-template-columns:20px 170px 1fr;gap:20px}.loan-row>a{grid-column:3}.brand small{font-size:10px}.program-intro{gap:30px}.yawn h2{font-size:35px}}@media(max-width:650px){.byline{gap:12px;flex-wrap:wrap}.byline>a{margin-left:78px}.program-intro{display:block}.program-intro h2{font-size:35px}.program-intro>p:last-child{margin-top:22px}.loan-row{grid-template-columns:1fr 2fr;gap:20px}.loan-no{display:none}.loan-row img{height:150px}.loan-row>div{grid-column:2}.loan-row>a{grid-column:2}.loan-row h3{font-size:27px}.more-loans{grid-template-columns:1fr;gap:0}.review-grid,.yawn{grid-template-columns:1fr}.review blockquote{font-size:23px}.yawn img{min-height:0;height:220px;object-fit:cover}.yawn>div{padding:45px 6%}.brand small{font-size:9px}}

/* Bad excitement campaign */
.trouble-hero{display:grid;grid-template-columns:.85fr 1.15fr;gap:50px;background:#f5f3ec;padding-top:70px;padding-bottom:55px;align-items:center}.trouble-copy .eyebrow{font-size:11px;letter-spacing:1.3px}.trouble-copy h1{font-size:clamp(52px,5.7vw,82px);letter-spacing:-3.5px;line-height:1.02}.trouble-copy h1 em{font-family:Georgia,serif;font-weight:400;font-style:italic}.hero-joke{font-size:21px;line-height:1.5;max-width:460px;margin-top:28px}.hero-answer{font-size:17px;line-height:1.65;margin:24px 0}.offer-link{display:block;font-size:14px;margin-top:18px}.trouble-show{min-width:0;transform:rotate(1deg)}.scene-stack{position:relative;aspect-ratio:1/1.08;background:#101c2d;overflow:hidden;border:7px solid #fff;box-shadow:10px 12px 0 #13243b}.trouble-scene{position:absolute;inset:0;margin:0;opacity:0;visibility:hidden;transition:opacity 900ms ease,visibility 900ms;overflow:hidden}.trouble-scene.is-active{opacity:1;visibility:visible}.trouble-scene img{width:100%;height:100%;object-fit:cover;object-position:center;transform-origin:center;animation:danger-drift 13s ease-in-out infinite alternate;animation-play-state:paused}.trouble-scene.is-active img{animation-play-state:running}.trouble-scene:after{content:'';position:absolute;inset:0;background:linear-gradient(0deg,#0b1428f5,transparent 67%);pointer-events:none}.trouble-scene figcaption{position:absolute;bottom:30px;left:30px;right:25px;color:#fff;z-index:1}.trouble-scene figcaption>span{display:inline-block;background:#b11d1d;padding:5px 9px;font-size:11px;letter-spacing:1.4px;transform:rotate(-2deg);margin-bottom:17px}.trouble-scene h2{font:700 clamp(30px,3vw,44px)/1.08 Georgia,serif;letter-spacing:-1px;margin-bottom:13px}.trouble-scene p{font-size:16px;line-height:1.4;margin:0}.scene-controls{margin-top:28px;display:flex;justify-content:space-between;gap:12px;transform:rotate(-1deg)}.scene-controls>div{display:flex;gap:8px;flex-wrap:wrap}.scene-controls button{cursor:pointer;color:#13243b;background:transparent;border:1px solid #abb1b7;padding:10px 9px;font:700 11px Arial;letter-spacing:.5px;border-radius:0}.scene-controls button[aria-pressed=true]{background:#13243b;border-color:#13243b;color:white}.show-footnote{text-align:center;font:italic 15px Georgia,serif;margin:18px 0 0}.motion-off .trouble-scene img{animation-play-state:paused!important}.punchline-strip{background:#b11d1d;color:white;padding:20px 6%;display:flex;justify-content:center;gap:70px;font-size:20px}.punchline-strip b{font-weight:800}.program-intro h2{font-family:Georgia,serif}.byline{background:white}.cards article{position:relative}.cards .number{font-family:monospace}.cards h3{font-family:Georgia,serif;font-size:35px}.reviews h2{font-family:Georgia,serif}.yawn h2{font-size:50px}.closing h2{font-size:clamp(43px,5.5vw,72px)}@keyframes danger-drift{from{transform:scale(1.02) translate(0,0)}to{transform:scale(1.13) translate(-1%,1%)}}@media(min-width:1450px){.scene-stack{aspect-ratio:1.1/1}}@media(max-width:950px){.trouble-hero{gap:30px;grid-template-columns:1fr 1fr}.trouble-copy h1{font-size:58px}.scene-stack{aspect-ratio:.75/1}.trouble-scene figcaption{left:22px;bottom:25px}.scene-controls{flex-wrap:wrap}.punchline-strip{gap:30px;font-size:17px}}@media(max-width:650px){.trouble-hero{grid-template-columns:1fr;gap:40px;padding-top:42px}.trouble-copy h1{font-size:61px}.hero-joke{font-size:20px}.scene-stack{aspect-ratio:1/1.06}.trouble-show{max-width:100%;margin-right:8px}.trouble-scene h2{font-size:35px}.punchline-strip{flex-direction:column;gap:4px;text-align:center;font-size:18px}.scene-controls button{font-size:11px}.yawn h2{font-size:40px}.scene-controls{flex-wrap:nowrap}.show-footnote{font-size:14px}}@media(prefers-reduced-motion:reduce){.trouble-scene{transition:none}.trouble-scene img{animation:none}}

/* Compact mortgage check-in */
.check-in{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1fr);gap:clamp(32px,6vw,88px);background:#13243b;color:#fff;align-items:center;padding-top:64px;padding-bottom:64px;scroll-margin-top:24px}
.check-in .eyebrow{color:#f0b2a8;font-size:.8125rem;letter-spacing:1.7px;margin-bottom:22px}
.check-in h2{font:clamp(2.5rem,4vw,3.5rem)/1.08 Georgia,serif;letter-spacing:-1.5px;margin-bottom:24px}
.check-in h2 em{color:#fff;font-style:italic}.check-in>div>p:last-child{color:#d6dce5;font-size:1rem;line-height:1.75}
.check-panel{min-width:0;background:#fff;color:#13243b;padding:32px;border-top:5px solid #b11d1d}
.check-progress{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:.75rem;color:#536073;margin-bottom:28px}.check-progress>span:first-child{font-weight:700;letter-spacing:1px;color:#9c2228}.check-progress progress{display:block;width:100%;height:4px;border:0;border-radius:0;background:#e4e8ed;accent-color:#b11d1d}.check-progress progress::-webkit-progress-bar{background:#e4e8ed}.check-progress progress::-webkit-progress-value{background:#b11d1d}.check-progress progress::-moz-progress-bar{background:#b11d1d}
.check-panel fieldset{min-width:0;border:0;padding:0;margin:0 0 24px}.check-panel legend{font-size:1.375rem;font-weight:700;line-height:1.3;margin-bottom:16px;padding:0}.check-panel label{display:flex;align-items:center;gap:12px;min-height:58px;font-size:1rem;line-height:1.4;padding:14px 16px;border:1px solid #ccd3dc;margin:0 0 10px;cursor:pointer;transition:background .15s,border-color .15s}.check-panel label:last-child{margin-bottom:0}.check-panel label:hover{border-color:#13243b;background:#f4f6f8}.check-panel label:has(input:checked){background:#f9eeec;border-color:#b11d1d;box-shadow:inset 3px 0 #b11d1d}.check-panel label:focus-within{outline:2px solid #2667ff;outline-offset:3px}.check-panel input{flex:0 0 auto;accent-color:#b11d1d;margin:0;width:19px;height:19px}
.check-actions{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-top:26px}.check-actions .button{margin-left:auto;font:700 1rem Arial,Helvetica,sans-serif;min-height:50px;cursor:pointer;padding:14px 20px}.check-actions>button:first-child:not(.button){background:none;border:0;padding:12px 0;min-height:48px;color:#536073;font:1rem Arial,Helvetica,sans-serif;cursor:pointer}.check-privacy{font-size:.8125rem;color:#536073;line-height:1.5;margin:22px 0 0;padding-top:18px;border-top:1px solid #e4e8ed}.check-panel h3{font:2rem/1.15 Georgia,serif;margin-top:0}.check-panel #check-result>.eyebrow{color:#a32323}.result-questions{border-left:3px solid #b11d1d;background:#f4f5f7;padding:18px;margin:24px 0}.result-questions p{margin-bottom:0}.start-over{display:block;margin-top:16px;padding:12px 0;background:none;border:0;text-decoration:underline;cursor:pointer;color:#13243b;font-size:.9375rem}[hidden]{display:none!important}
@media(max-width:800px){.check-in{grid-template-columns:1fr;gap:24px;padding-top:40px;padding-bottom:40px}.check-in h2{font-size:2.5rem;margin-bottom:16px}.check-in .eyebrow{margin-bottom:14px}.check-in>div>p:last-child{margin-bottom:0}.check-panel{padding:24px}.check-progress{margin-bottom:24px}}
@media(max-width:380px){.check-panel{padding:18px}.check-actions{gap:10px}.check-actions .button{padding:14px 12px}.check-progress{font-size:.75rem}}

.trouble-scene img{height:67%;object-fit:cover}.trouble-scene:after{background:linear-gradient(0deg,#0b1428 3%,#0b1428e6 24%,transparent 47%)}.trouble-scene figcaption{bottom:24px}.trouble-scene h2{font-size:clamp(28px,2.7vw,40px)}@media(max-width:950px) and (min-width:651px){.trouble-scene img{height:60%}.trouble-scene figcaption{bottom:22px}.trouble-scene h2{font-size:31px}}@media(max-width:650px){.trouble-scene h2{font-size:30px}.trouble-scene img{height:65%}}