:root{--ink:#102f35;--deep:#08272d;--teal:#0b5d60;--mint:#d8f1e8;--orange:#f26b3a;--cream:#f7f4ed;--white:#fff;--line:#cfdcd8;--sans:"DM Sans",sans-serif;--display:"Manrope",sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.6;background:var(--cream)}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}.site-header{height:88px;display:flex;align-items:center;justify-content:space-between;padding:0 5vw;background:rgba(247,244,237,.94);border-bottom:1px solid rgba(16,47,53,.1);position:relative;z-index:5}.brand{display:flex;gap:.7rem;align-items:center;font-family:var(--display);font-size:1.05rem;letter-spacing:.08em}.brand b{color:var(--orange)}.brand-mark{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--ink);color:white;font-weight:800;font-size:1.2rem}.site-header nav{display:flex;gap:2.2rem;font-weight:600;font-size:.92rem}.site-header nav a:hover{color:var(--orange)}.header-call{font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;font-weight:700}.header-call span{display:block;font-size:1rem;letter-spacing:0}.hero{min-height:700px;padding:72px 7vw 70px;display:grid;grid-template-columns:1.12fr .88fr;align-items:center;gap:6vw;overflow:hidden}.hero-copy{max-width:720px}.eyebrow{color:var(--orange);letter-spacing:.17em;font-size:.76rem;font-weight:800;margin:0 0 1.2rem}.hero h1{font-family:var(--display);font-size:clamp(3rem,5.6vw,5.7rem);line-height:.98;letter-spacing:-.06em;margin:0 0 1.7rem}.hero h1 em{font-style:normal;color:var(--orange)}.lede{font-size:1.18rem;max-width:640px;line-height:1.65;margin-bottom:1.7rem}.hero-actions{display:flex;gap:.8rem;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:center;gap:.7rem;padding:.9rem 1.25rem;border-radius:6px;font-weight:700;line-height:1.2;transition:transform .18s,box-shadow .18s}.button:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(8,39,45,.16)}.primary{background:var(--orange);color:white}.secondary{border:1px solid var(--ink);background:transparent}.dark{background:var(--ink);color:white}.white{background:white;color:var(--deep)}.no-form{font-size:.78rem;margin:.65rem 0 1.7rem;color:#587075}.trust-row{display:flex;border-top:1px solid var(--line);padding-top:1.2rem;gap:2rem}.trust-row div{display:flex;flex-direction:column}.trust-row strong{font:700 1.1rem var(--display)}.trust-row span{font-size:.74rem;color:#607478}.portrait-wrap{position:relative;max-width:500px;margin:auto}.portrait-wrap:before{content:"";position:absolute;inset:-30px 35px 45px -35px;background:var(--mint);border-radius:50% 50% 44% 56%;transform:rotate(-5deg)}.portrait-card{position:relative;background:white;padding:14px;box-shadow:0 30px 70px rgba(8,39,45,.16);transform:rotate(2deg)}.portrait-card img{width:100%;aspect-ratio:1/1;object-fit:cover}.portrait-caption{padding:1rem .4rem .4rem;display:flex;justify-content:space-between;align-items:end;gap:1rem}.portrait-caption span{font:700 1.1rem var(--display)}.portrait-caption small{color:#5e7477;text-align:right}.answer-badge{position:absolute;right:-45px;top:8%;background:var(--orange);color:white;width:155px;height:155px;border-radius:50%;display:flex;align-items:center;justify-content:center;gap:.5rem;transform:rotate(-7deg);box-shadow:0 15px 30px rgba(242,107,58,.25);font-size:.84rem;line-height:1.25}.answer-badge span{font-size:1.4rem}.promise-band{background:var(--ink);color:white;display:flex;align-items:center;justify-content:center;gap:2.4rem;padding:1rem 3vw;letter-spacing:.12em;font-size:.7rem;font-weight:700}.promise-band p{margin:0}.promise-band span{color:var(--orange);font-size:.55rem}.split-intro{display:grid;grid-template-columns:1fr 1fr;gap:8vw;padding:110px 8vw 70px}.split-intro h2,.agent-section h2,.about h2,.final-cta h2,.rates-panel h2,.guarantee h2{font:700 clamp(2.2rem,4vw,4rem)/1.1 var(--display);letter-spacing:-.045em;margin:.5rem 0}.split-intro p{font-size:1.08rem}.text-link{font-weight:700;border-bottom:2px solid var(--orange);padding-bottom:.25rem}.text-link span{color:var(--orange)}.loan-grid{display:grid;grid-template-columns:repeat(4,1fr);margin:0 5vw 110px;border:1px solid var(--line);background:white}.loan-grid article{padding:2rem;border-right:1px solid var(--line)}.loan-grid article:last-child{border:0}.loan-grid article>span,.agent-points article>span{color:var(--orange);font-weight:800;font-size:.75rem}.loan-grid h3,.agent-points h3{font:700 1.2rem var(--display);margin:.9rem 0 .5rem}.loan-grid p,.agent-points p{font-size:.92rem;color:#557074;margin:0}.rates-panel{margin:0 5vw 110px;background:var(--teal);color:white;padding:4.5rem 5vw;display:grid;grid-template-columns:1fr auto;align-items:center;gap:4rem;border-radius:10px}.rates-panel div{max-width:760px}.rates-panel p{max-width:650px}.eyebrow.light{color:#8fdfc6}.agent-section{padding:105px 8vw;background:var(--mint);display:grid;grid-template-columns:.85fr 1.15fr;gap:8vw}.agent-lead p{max-width:570px}.agent-points{border-top:1px solid rgba(16,47,53,.25)}.agent-points article{display:grid;grid-template-columns:48px 1fr;gap:1rem;padding:1.45rem 0;border-bottom:1px solid rgba(16,47,53,.25)}.agent-points h3{margin:0 0 .35rem}.about{padding:115px 8vw;display:grid;grid-template-columns:.8fr 1.2fr;gap:9vw;align-items:center}.about-quote{background:var(--orange);color:white;padding:3rem;min-height:360px;display:flex;flex-direction:column;justify-content:center;transform:rotate(-2deg)}.about-quote span{font:800 5rem/1 var(--display)}blockquote{font:700 clamp(1.65rem,3vw,2.8rem)/1.2 var(--display);margin:0}.about-copy p{max-width:690px}.guarantee{padding:85px 8vw;background:var(--deep);color:white;display:grid;grid-template-columns:auto 1fr auto;gap:4vw;align-items:center}.guarantee-seal{width:180px;height:180px;border:2px solid var(--orange);border-radius:50%;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;transform:rotate(-6deg)}.guarantee-seal strong{font:800 2.2rem var(--display);color:var(--orange)}.guarantee-seal span{font-size:.72rem;letter-spacing:.1em}.guarantee h2{font-size:clamp(2.1rem,3.4vw,3.5rem)}.guarantee p{max-width:650px}.final-cta{text-align:center;padding:120px 5vw}.final-cta>p:not(.eyebrow){max-width:630px;margin:1rem auto 2rem}.centered{justify-content:center}.direct-contact{margin-top:2rem;display:flex;justify-content:center;gap:1rem;font-weight:700}.direct-contact a:hover{text-decoration:underline}footer{background:#061e23;color:#c9d6d5;padding:3.5rem 6vw 2rem}.footer-top{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:2rem;align-items:center}.inverse{color:white}.footer-top p{margin:.2rem 0;font-size:.86rem}.footer-top a:not(.brand){font-size:.86rem;text-decoration:underline}.legal{border-top:1px solid #29454a;margin-top:2.5rem;padding-top:1.5rem;display:grid;grid-template-columns:1fr 1fr;gap:3rem}.legal p{font-size:.7rem;color:#8fa5a6;margin:0}
@media(max-width:950px){.site-header nav{display:none}.hero{grid-template-columns:1fr;padding-top:55px}.hero-copy{max-width:760px}.portrait-wrap{max-width:410px;margin-top:2rem}.loan-grid{grid-template-columns:1fr 1fr}.loan-grid article:nth-child(2){border-right:0}.loan-grid article:nth-child(-n+2){border-bottom:1px solid var(--line)}.agent-section,.about{grid-template-columns:1fr}.guarantee{grid-template-columns:auto 1fr}.guarantee>.button{grid-column:2}.footer-top{grid-template-columns:1fr 1fr}}
@media(max-width:650px){.site-header{height:72px;padding:0 5vw}.header-call{font-size:0}.header-call span{font-size:.8rem}.hero{padding:48px 6vw 60px}.hero h1{font-size:clamp(2.8rem,14vw,4.2rem)}.lede{font-size:1.05rem}.hero-actions .button{width:100%}.trust-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.portrait-wrap{width:86%}.answer-badge{width:120px;height:120px;right:-30px;font-size:.7rem}.promise-band{justify-content:flex-start;overflow:hidden;white-space:nowrap}.split-intro{grid-template-columns:1fr;padding:80px 6vw 50px;gap:1rem}.loan-grid{grid-template-columns:1fr;margin:0 6vw 80px}.loan-grid article{border-right:0;border-bottom:1px solid var(--line)!important}.rates-panel{margin:0 0 80px;border-radius:0;grid-template-columns:1fr;padding:4rem 7vw}.rates-panel .button{width:100%}.agent-section,.about{padding:80px 7vw;gap:3rem}.about-quote{min-height:280px}.guarantee{grid-template-columns:1fr;padding:75px 7vw;text-align:center;justify-items:center}.guarantee>.button{grid-column:auto;width:100%}.final-cta{padding:90px 7vw}.direct-contact{flex-direction:column;gap:.3rem}.direct-contact span{display:none}.footer-top{grid-template-columns:1fr}.legal{grid-template-columns:1fr;gap:1rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}}
.hero-subactions{margin:.7rem 0 1.7rem;display:flex;align-items:center;gap:.85rem 1.2rem;flex-wrap:wrap}.hero-subactions .no-form{margin:0}.hero-subactions a{font-size:.78rem;font-weight:700;color:var(--teal);text-decoration:underline;text-underline-offset:3px}.rates-panel{display:block}.rates-panel>div:first-child{max-width:840px}.rate-actions{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-top:2.2rem;max-width:none!important}.rate-choice{background:white;color:var(--deep);padding:1.35rem;border-radius:7px;display:flex;flex-direction:column;min-height:154px;transition:transform .18s,box-shadow .18s}.rate-choice:hover{transform:translateY(-3px);box-shadow:0 12px 28px rgba(2,25,29,.22)}.rate-choice.featured{background:var(--orange);color:white}.rate-choice small{font-size:.68rem;font-weight:800;letter-spacing:.13em;opacity:.7}.rate-choice strong{font:700 1.2rem var(--display);margin:.55rem 0 auto}.rate-choice span{font-size:.78rem;opacity:.8}
@media(max-width:760px){.rate-actions{grid-template-columns:1fr}.rate-choice{min-height:132px}.hero-subactions{display:block}.hero-subactions a{display:inline-block;margin-top:.35rem}}

.portrait-card img{object-position:center 25%;}

.loan-factory-logo{width:180px;max-width:100%;height:auto;}

.about{grid-template-columns:1fr 1.15fr;gap:5vw;align-items:center}.about-collage{margin:0;min-width:0}.about-collage img{width:100%;height:auto;border-radius:8px}.about-collage figcaption{font-size:.875rem;color:#557074;margin-top:.85rem}.about-copy h2{font-size:clamp(2rem,3vw,3rem)}.about-copy p:not(.eyebrow){font-size:1rem;line-height:1.7}@media(max-width:950px){.about{grid-template-columns:1fr}.about-collage{max-width:720px}}

.about{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:4vw;align-items:center}.life-gallery{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;min-width:0;width:100%;align-self:center}.life-photo{position:relative;aspect-ratio:1/1;overflow:hidden;border-radius:8px;background:#fff}.life-photo img{position:absolute;inset:0;width:100%;height:100%;max-width:100%;object-fit:cover;display:block}.life-photo.beach img{object-position:75% center}.life-photo.dog img{object-position:center 40%}.life-photo.business img{object-fit:contain}.about-copy h2{font-size:clamp(1.8rem,2.8vw,2.8rem)}@media(max-width:950px){.about{grid-template-columns:1fr;gap:2.5rem}.life-gallery{max-width:720px;margin:auto}}

.homeowner-section{padding:20px 7vw 100px;scroll-margin-top:30px}
.homeowner-intro{max-width:760px;margin-bottom:2.5rem}
.homeowner-intro h2{font-size:clamp(2.2rem,4vw,3.8rem);line-height:1.08;letter-spacing:-.04em}
.homeowner-intro>p:last-child{font-size:1.1rem}
.homeowner-options{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.2rem}
.homeowner-option{padding:2rem;border:1px solid var(--line);border-radius:12px;background:#fff;display:flex;flex-direction:column;align-items:flex-start}
.homeowner-option h3{font-size:1.5rem;line-height:1.25;margin:0}
.homeowner-option>p:not(.eyebrow){flex:1}
.homeowner-featured{background:#e1efea;border-color:#bfd8d0}
.equity-explained{max-width:850px;margin:3rem auto 0;scroll-margin-top:30px}
.equity-explained h3{font-size:1.7rem}
.equity-explained details{border-bottom:1px solid var(--line);padding:1rem 0}
.equity-explained summary{font-weight:700;cursor:pointer}
.equity-note{font-size:.875rem;color:#4a656b}
@media(max-width:1100px){.site-header nav{gap:1rem}.homeowner-options{grid-template-columns:1fr}.homeowner-option{padding:1.5rem}}
@media(max-width:950px){.site-header{height:auto;min-height:88px;flex-wrap:wrap;padding-top:16px;padding-bottom:16px;gap:16px}.site-header nav{display:flex;order:3;flex-basis:100%;flex-wrap:wrap;justify-content:center;gap:12px 20px;font-size:.875rem}.homeowner-section{padding:10px 6vw 70px}}

.equity-timing{display:block;font-size:.875rem;line-height:1.5;margin-top:1rem;color:#4a656b}

/* Featured lending solutions */
.specialty{padding:15px 6vw 105px;max-width:1600px;margin:auto;scroll-margin-top:25px}.specialty-head{display:grid;grid-template-columns:1.2fr .8fr;gap:6vw;align-items:end;margin-bottom:2.6rem}.specialty-head h2{font:800 clamp(2.4rem,4.2vw,4.4rem)/1.08 var(--display);letter-spacing:-.055em;max-width:820px;margin:.2rem 0}.specialty-head h2 em{font-style:normal;color:var(--teal)}.specialty-head>p{font-size:1.13rem;max-width:530px;margin:0 0 .35rem}.rocket-feature{display:grid;grid-template-columns:1.12fr .88fr;background:var(--deep);color:#fff;border-radius:14px;overflow:hidden}.rocket-main{padding:clamp(2rem,4.5vw,4.5rem)}.feature-label,.investor-kicker{font-size:.75rem;font-weight:800;letter-spacing:.15em;color:#93d9c5;margin:0 0 1rem}.rocket-main h3{font:800 clamp(2.5rem,5vw,5rem)/1 var(--display);letter-spacing:-.055em;margin:.15rem 0 1.5rem}.rocket-period{color:var(--orange)}.rocket-main>p:not(.feature-label){max-width:590px}.rocket-tagline{font:700 clamp(1.35rem,2vw,1.9rem)/1.3 var(--display)}.rocket-main .button{margin-top:1rem}.rocket-offer{background:#13444a;padding:clamp(2rem,4vw,4rem);display:flex;flex-direction:column;align-items:flex-start;justify-content:center}.offer-icon{font-size:3rem;color:#a6e5d4;line-height:1;margin-bottom:1rem}.rocket-offer h4{font:800 clamp(1.7rem,2.8vw,2.6rem)/1.15 var(--display);letter-spacing:-.035em;margin:0 0 .8rem}.rocket-offer a{color:#b6eddb;text-decoration:underline;text-underline-offset:4px;font-weight:700;margin-top:.8rem}.specialty-category{display:flex;align-items:baseline;gap:1.7rem;margin:4.5rem 0 1.3rem;border-bottom:1px solid var(--line);padding-bottom:1.1rem}.specialty-category span{font-size:.75rem;letter-spacing:.11em;font-weight:800;color:var(--teal);white-space:nowrap}.specialty-category h3{font:800 clamp(1.55rem,2.4vw,2.4rem)/1.18 var(--display);letter-spacing:-.035em;margin:0}.specialty-grid,.investor-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.program-card{background:white;border:1px solid var(--line);border-radius:10px;padding:2rem;display:flex;flex-direction:column}.program-number{font:800 .8rem var(--display);color:var(--orange)}.program-card h4,.investor-grid h4{font:800 clamp(1.35rem,1.8vw,1.8rem)/1.22 var(--display);letter-spacing:-.025em;margin:1rem 0 .55rem}.program-card>p,.investor-grid p{margin:0 0 1.3rem;color:#47646a}.program-sources{font-size:.85rem;color:#50686e;margin-top:auto;line-height:1.8}.program-sources a{text-decoration:underline;text-underline-offset:3px;color:#0b5d60;font-weight:700}.program-action{margin-top:1.25rem;padding-top:1rem;border-top:1px solid var(--line);font-weight:800;color:var(--teal);display:flex;justify-content:space-between;gap:1rem}.dpa-panel{display:grid;grid-template-columns:1.1fr .9fr;background:#e1efea;border-radius:12px;overflow:hidden}.dpa-panel>div:first-child{padding:clamp(2rem,4vw,4rem)}.dpa-panel h4{font:800 clamp(1.7rem,2.7vw,2.7rem)/1.15 var(--display);margin:0}.dpa-panel p:not(.eyebrow){max-width:560px}.dpa-panel .button{margin-top:.7rem}.dpa-options{padding:2rem;display:flex;flex-direction:column;justify-content:center;gap:1rem}.dpa-options .dpa-example{background:white;border:1px solid #bfd8d0;border-radius:8px;padding:1.35rem;display:flex;justify-content:space-between;align-items:center;gap:1rem}.dpa-options strong{font:800 1.1rem var(--display)}.dpa-options span{font-size:.85rem;color:var(--teal)}.investor-grid article{background:#102f35;color:#fff;padding:2rem;border-radius:10px;display:flex;flex-direction:column}.investor-grid p{color:#cbdedc}.investor-grid .program-sources{color:#b5d0cd}.investor-grid .program-sources a{color:#a5e7d1}.specialty-close{margin-top:2rem;padding:2rem 2.4rem;background:white;border:1px solid var(--line);border-radius:10px;display:flex;align-items:center;justify-content:space-between;gap:2rem}.specialty-close h3{font:800 1.7rem var(--display);margin:0}.specialty-close p{margin:.35rem 0 0}.specialty-close .button{flex-shrink:0}.specialty-note{font-size:.83rem;color:#567075;margin:1.4rem 0 0;max-width:1000px}
@media(max-width:950px){.specialty-head,.rocket-feature,.dpa-panel{grid-template-columns:1fr}.specialty-head{gap:1rem}.specialty-grid,.investor-grid{grid-template-columns:1fr 1fr}.rocket-offer{padding:2.5rem}.dpa-options{padding:0 2rem 2rem}}
@media(max-width:650px){.specialty{padding:0 6vw 80px}.specialty-head h2{font-size:clamp(2.3rem,10vw,3.5rem)}.specialty-head>p{font-size:1rem}.rocket-main,.rocket-offer{padding:2rem}.rocket-main h3{font-size:2.7rem}.specialty-category{display:block;margin-top:3.4rem}.specialty-category h3{margin-top:.6rem}.specialty-grid,.investor-grid{grid-template-columns:1fr}.program-card,.investor-grid article{padding:1.6rem}.dpa-panel>div:first-child{padding:2rem}.dpa-options{padding:0 1.3rem 1.3rem}.dpa-options .dpa-example{display:block}.dpa-options span{display:block;margin-top:.25rem}.specialty-close{display:block;padding:1.6rem}.specialty-close .button{width:100%;margin-top:1.3rem}}

.rocket-feature{grid-template-columns:1fr}
.rocket-main{max-width:900px}
.rocket-main .rocket-brand{display:inline-flex;align-items:center;padding:16px 20px;background:#fff;border-radius:6px;margin:0 0 1.2rem}
.rocket-brand img{width:210px;max-width:100%;height:auto}

.contact-page{max-width:1240px;margin:auto;padding:64px 5vw 90px}.contact-intro{max-width:750px;margin-bottom:42px}.contact-intro h1{font:800 clamp(2.6rem,5.2vw,4.8rem)/1.05 var(--display);letter-spacing:-.055em;margin:0 0 24px}.contact-intro h1 em{color:var(--orange);font-style:normal}.contact-intro>p:last-child{font-size:1.15rem;max-width:650px}.contact-layout{display:grid;grid-template-columns:1.15fr 1fr;gap:40px;align-items:start}.message-card{background:white;border:1px solid var(--line);border-radius:12px;padding:32px}.contact-page h2{font:800 2rem/1.15 var(--display);letter-spacing:-.035em;margin:0 0 16px}.contact-page h3{font:800 1.25rem var(--display);margin:0 0 12px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}#contact-form label{display:block;font-weight:700;margin:16px 0 0}#contact-form input,#contact-form select,#contact-form textarea{display:block;width:100%;font:400 1rem var(--sans);padding:12px;margin-top:7px;color:var(--ink);background:#fff;border:1px solid #829996;border-radius:5px}#contact-form textarea{resize:vertical;min-height:130px}#contact-form :focus-visible{outline:3px solid var(--teal);outline-offset:3px}#contact-form .form-note{font-size:.875rem;color:#526b70;line-height:1.5}.contact-page button{font-family:var(--sans);font-size:1rem;border:0;cursor:pointer}.contact-page button:disabled{opacity:.65;cursor:wait}.form-trap{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.schedule-card{background:var(--mint);padding:32px;border-radius:12px}.portal-card,.contact-direct{padding:28px 4px;border-bottom:1px solid var(--line)}.contact-direct a{display:block;margin:8px 0;overflow-wrap:anywhere;font-weight:600}.contact-direct span{font-weight:400}.contact-page #form-status{margin-bottom:0;font-weight:600}.contact-page #form-status[data-error="true"]{color:#aa2910}@media(max-width:850px){.contact-layout{grid-template-columns:1fr;gap:28px}.contact-page{padding-top:40px}}@media(max-width:500px){.form-grid{grid-template-columns:1fr;gap:0}.message-card,.schedule-card{padding:24px}.contact-intro h1{font-size:2.8rem}}

/* Photo-led opening, with a deeper overlay behind the copy. */
.hero.hero-photo{position:relative;isolation:isolate;display:block;background:#08272d;color:#fff;min-height:760px;padding:80px 7vw 64px}.hero-photo .hero-background{position:absolute;z-index:-2;inset:0 0 0 auto;width:76%;height:100%;max-width:none;object-fit:cover;object-position:center 30%}.hero-photo:after{content:"";position:absolute;z-index:-1;inset:0;background:linear-gradient(90deg,#08272d 0%,rgba(8,39,45,.94) 20%,rgba(8,39,45,.72) 45%,rgba(8,39,45,.1) 78%),linear-gradient(0deg,rgba(8,39,45,.8),transparent 55%)}.hero-photo .hero-copy{max-width:680px}.hero-photo h1{font-size:clamp(3.2rem,5.3vw,5.5rem);line-height:1.04;letter-spacing:-.055em}.hero-photo h1 em,.hero-photo .eyebrow{color:#ff9a70}.hero-photo .lede{max-width:590px;color:#f1f5f4}.hero-photo .secondary{border-color:#b7cecc;color:white;background:rgba(8,39,45,.45)}.hero-photo .hero-subactions{max-width:600px}.hero-photo .hero-subactions a{color:#fff;font-size:.875rem}.hero-photo .no-form{color:#deebe8;font-size:.875rem}.hero-photo .trust-row{border-color:rgba(255,255,255,.3);max-width:610px}.hero-photo .trust-row span{color:#d2e2df;font-size:.875rem}.hero-photo .trust-row strong{color:white}.hero-photo a:focus-visible{outline:3px solid white;outline-offset:5px}
@media(max-width:950px){.hero.hero-photo{padding:60px 6vw;min-height:0}.hero-photo .hero-background{width:100%;object-position:60% top}.hero-photo:after{background:linear-gradient(90deg,rgba(8,39,45,.7),rgba(8,39,45,.3)),linear-gradient(0deg,#08272d 0%,rgba(8,39,45,.9) 30%,rgba(8,39,45,.2) 100%)}.hero-photo .hero-copy{max-width:650px}}
@media(max-width:650px){.hero.hero-photo{padding:44px 6vw 38px}.hero-photo .hero-background{height:650px;object-position:58% top}.hero-photo:after{background:linear-gradient(180deg,rgba(8,39,45,.42) 0%,rgba(8,39,45,.5) 24%,rgba(8,39,45,.94) 58%,#08272d 76%)}.hero-photo h1{font-size:clamp(2.8rem,12.5vw,4.2rem);line-height:1.04;margin-bottom:26px}.hero-photo .eyebrow{font-size:.75rem;letter-spacing:.12em;max-width:290px}.hero-photo .lede{font-size:1.05rem;line-height:1.65}.hero-photo .hero-subactions{margin:20px 0 26px}.hero-photo .hero-subactions a{margin-top:12px}.hero-photo .trust-row{grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.hero-photo .trust-row strong{font-size:1rem}.hero-photo .trust-row span{font-size:.8rem;line-height:1.5;margin-top:5px}}

/* Direct access for borrowers returning to their loan. */
.site-header nav{align-items:center;gap:clamp(.65rem,1.5vw,1.6rem)}.site-header .client-nav{background:var(--ink);color:#fff;padding:10px 14px;border-radius:6px;white-space:nowrap}.site-header .client-nav:hover{background:var(--teal);color:#fff}.client-access{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:20px 7vw;background:var(--mint);border-bottom:1px solid var(--line)}.client-access strong,.client-access span{display:block}.client-access strong{font-family:var(--display);font-size:1.05rem}.client-access span{font-size:.875rem;margin-top:3px}.client-access .button{flex-shrink:0}.hero-client-link{font-size:.875rem;margin:0 0 24px;color:#deebe8}.hero-client-link a{color:#fff;font-weight:700;text-decoration:underline;text-underline-offset:4px}.footer-portal{margin-top:24px;font-weight:700}.footer-portal a{text-decoration:underline;text-underline-offset:4px}@media(min-width:951px) and (max-width:1200px){.site-header{height:auto;min-height:88px;flex-wrap:wrap;padding-top:16px;padding-bottom:16px;gap:16px}.site-header nav{order:3;flex-basis:100%;justify-content:center;flex-wrap:wrap}}@media(max-width:650px){.client-access{padding:18px 6vw;display:block}.client-access .button{width:100%;margin-top:14px}.client-access span{max-width:360px}.site-header nav{gap:10px 16px}}
.owners-page{overflow:hidden}.owners-hero{padding:80px 8vw;background:var(--deep);color:white}.owners-hero h1{font:800 clamp(2.7rem,5vw,5rem)/1.08 var(--display);letter-spacing:-.05em;margin:0 0 25px}.owners-hero h1 em{color:#ff9a70;font-style:normal}.owners-hero>p{max-width:750px;font-size:1.1rem}.owners-hero .secondary{color:white;border-color:#bad3cc}.owners-block{padding:70px 8vw}.owners-block h2{font:800 clamp(2rem,3.7vw,3.5rem)/1.15 var(--display);letter-spacing:-.04em;margin:0 0 24px}.owners-block>p{max-width:900px}.owners-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin:32px 0}.owners-grid article{padding:24px;background:white;border:1px solid var(--line);border-radius:10px}.owners-grid h3{font:700 1.2rem var(--display);margin-top:0}.owners-note{font-size:.875rem;line-height:1.6;color:#526b70}.owners-note a,.research-note a{text-decoration:underline}.iq-block{background:#e6f3ed}.quiet-note{border-left:4px solid var(--teal);padding:8px 24px;margin-top:35px;max-width:900px}.owners-page .homeowner-section{padding-top:70px;padding-bottom:20px}.refi-calculator{background:white;border:1px solid var(--line);border-radius:12px;padding:32px;margin:35px 0}.calc-inputs{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.calc-inputs label{font-size:.875rem;font-weight:700}.calc-inputs input{display:block;width:100%;font:inherit;font-size:1rem;margin-top:7px;border:1px solid #829996;border-radius:5px;padding:12px}.calc-summary{margin:30px 0;padding:24px;background:var(--mint);border-radius:8px}.calc-summary strong{display:block;font:800 2rem var(--display)}.calc-summary span{display:block;margin-top:8px}.compare-row{margin:18px 0}.compare-row>div:first-child{display:flex;justify-content:space-between;gap:18px;font-size:.95rem}.bar-track{background:#e9eeeb;height:18px;border-radius:4px;margin-top:7px;overflow:hidden}.bar-track>div{height:100%;background:var(--teal)}.compare-row:nth-of-type(even) .bar-track>div{background:var(--orange)}.research-note{padding:28px;border-left:4px solid var(--orange);margin:30px 0;background:white}.research-note>strong{font:800 2rem var(--display)}.dscr-block{background:var(--mint)}.owners-close{text-align:center}.owners-close p{margin:20px auto}.owners-close .hero-actions{justify-content:center}.owners-block .hero-actions{align-items:center}.owners-page :focus-visible{outline:3px solid var(--orange);outline-offset:3px}@media(max-width:850px){.owners-grid{grid-template-columns:1fr}.calc-inputs{grid-template-columns:1fr 1fr}}@media(max-width:550px){.owners-hero,.owners-block{padding:45px 6vw}.refi-calculator{padding:20px}.calc-inputs{grid-template-columns:1fr}.compare-row>div:first-child{font-size:.875rem}.owners-grid{gap:14px}}

/* Compact Compass-affiliated buyer incentive within the Rocket feature. */
.rocket-feature{grid-template-columns:1fr 1fr}.rocket-main{max-width:none}.compass-benefit{background:#13444a;padding:clamp(2rem,4vw,4rem);align-content:center}.compass-benefit h4{font:800 clamp(1.55rem,2.4vw,2.25rem)/1.18 var(--display);letter-spacing:-.035em;margin:0 0 1rem}.compass-benefit>.button{margin:1rem 0}.compass-fineprint{font-size:.75rem!important;line-height:1.6;color:#c3d8d5}.brokerage-panel{grid-column:1/-1;border-top:1px solid #355258;padding:1.5rem clamp(2rem,4.5vw,4.5rem) 1.8rem}.brokerage-caption{font-size:.85rem;font-weight:700;margin:0 0 1rem}.brokerage-logos{display:flex;flex-wrap:wrap;gap:8px}.brokerage-logo{width:124px;height:64px;background:#fff;border-radius:5px;display:flex;align-items:center;justify-content:center;overflow:hidden;padding:7px}.brokerage-logo img{max-width:108px;max-height:46px;width:auto;height:auto;object-fit:contain}.brokerage-sprite{display:block;flex-shrink:0;width:110px;height:60px;background-image:url('brokerages/brand-sheet.png');background-size:330px 182.36px;background-position:calc(var(--logo-x) * -110px) calc(var(--logo-y) * -60.79px);background-repeat:no-repeat}.brokerage-note{max-width:900px;margin:1rem 0 0}@media(max-width:950px){.rocket-feature{grid-template-columns:1fr}.compass-benefit{padding:2rem}.brokerage-panel{padding:1.5rem 2rem}.brokerage-logo{width:calc((100% - 16px)/3);max-width:124px}}@media(max-width:400px){.brokerage-logo{width:calc((100% - 8px)/2)}}

@media(max-width:950px){.brokerage-logo{width:124px;max-width:100%}}

.porchlight-logo{background:#e64b35}.porchlight-logo span{width:108px;height:54px;display:block;background:url('brokerages/porchlight.png') no-repeat -10px -27px / 256px 126px}

.agents-hero{padding:80px 6vw 64px;max-width:1600px;margin:auto}.agents-hero h1{font:800 clamp(3rem,6vw,6rem)/1.05 var(--display);letter-spacing:-.055em;margin:1rem 0 1.5rem}.agents-hero h1 em{font-style:normal;color:var(--orange)}.agents-hero>p:not(.eyebrow){max-width:720px;font-size:1.2rem;line-height:1.7}.agents-promises{display:flex;flex-wrap:wrap;gap:1rem 2.5rem;border-top:1px solid var(--line);padding-top:1.5rem;margin-top:2.5rem;font-weight:700;font-size:.9rem}.agents-page .specialty{padding-top:30px}.servicing-note{border-top:1px solid #355258;margin-top:1.5rem;padding-top:1.3rem}.servicing-note>strong{color:#a6e5d4}.servicing-note p{font-size:.95rem}.servicing-note small{display:block;font-size:.73rem;line-height:1.6;color:#c3d8d5}@media(max-width:650px){.agents-hero{padding:50px 6vw 38px}.agents-hero>p:not(.eyebrow){font-size:1.05rem}.agents-promises{gap:.6rem;flex-direction:column}.agents-hero .hero-actions .button{width:100%}}

.dpa-types .dpa-example{display:block}.dpa-types .dpa-example strong{display:block;font-size:1rem;line-height:1.4}.dpa-types .dpa-example span{display:block;margin-top:.4rem;font-size:.85rem;line-height:1.55}.dpa-type-note{display:block;font-size:.73rem;line-height:1.5;color:#567075}

/* Borrower DPA overview: concise intro, four evenly sized options. */
.dpa-refresh{background:#e1efea;border-radius:14px;padding:clamp(1.4rem,3.5vw,3.5rem)}.dpa-intro{display:grid;grid-template-columns:1fr 1.2fr;gap:clamp(1.5rem,4vw,4rem);align-items:center;margin-bottom:2rem}.dpa-intro .eyebrow{margin-top:0}.dpa-intro h4{font:800 clamp(2rem,3.6vw,3.4rem)/1.1 var(--display);letter-spacing:-.045em;margin:0}.dpa-intro>div>p:not(.eyebrow){font-size:1rem;line-height:1.7;max-width:570px;margin:0 0 1.2rem}.dpa-card-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.8rem}.dpa-card-grid article{background:rgba(255,255,255,.8);border:1px solid #c9ded7;border-radius:9px;padding:1.35rem}.dpa-kicker{display:block;font-size:.62rem;font-weight:800;letter-spacing:.065em;line-height:1.5;color:#526e69;min-height:2rem}.dpa-card-grid h5{font:800 1.1rem/1.3 var(--display);margin:.6rem 0}.dpa-card-grid p{font-size:.86rem;line-height:1.6;margin:0;color:#385954}.dpa-footnote{font-size:.73rem;line-height:1.6;color:#526e69;max-width:960px;margin:1.1rem 0 0}@media(max-width:1050px){.dpa-card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.dpa-kicker{min-height:0}}@media(max-width:650px){.dpa-intro{grid-template-columns:1fr;gap:1.2rem;margin-bottom:1.5rem}.dpa-card-grid{grid-template-columns:1fr}.dpa-card-grid article{padding:1.15rem}.dpa-card-grid h5{margin:.4rem 0}.dpa-intro .button{max-width:100%}}