/*! tailwindcss v4.2.1 | MIT License | https://tailwindcss.com */
@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.fixed{position:fixed}.relative{position:relative}.start{inset-inline-start:var(--spacing)}.isolate{isolation:isolate}.block{display:block}.contents{display:contents}.hidden{display:none}.table{display:table}}:root{--red:#b91f2e;--red-dark:#8c1220;--ink:#111214;--ink-soft:#24262a;--cream:#f6f3ed;--paper:#fffdf9;--line:#ddd8cf;--muted:#666762;--white:#fff;--shadow:0 24px 70px #1c18141a}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:124px}body{background:var(--paper);color:var(--ink);-webkit-font-smoothing:antialiased;margin:0;font-family:Avenir Next,Avenir,Helvetica Neue,Arial,sans-serif}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}button,input,select{font:inherit}.shell{width:min(1180px,100% - 48px);margin:0 auto}.eyebrow{color:var(--red);letter-spacing:.18em;text-transform:uppercase;margin:0 0 18px;font-size:12px;font-weight:800}h1,h2,h3,p{margin-top:0}h1,h2{letter-spacing:-.045em}h2{font-size:clamp(38px,4vw,62px);line-height:.99}p{line-height:1.7}.topline{background:var(--ink);color:#ffffffc2;font-size:12px}.topline-inner{justify-content:space-between;align-items:center;gap:24px;min-height:34px;display:flex}.topline p{margin:0;line-height:1}.topline-inner div{align-items:center;gap:26px;display:flex}.topline a{color:var(--white);font-weight:700}.topline-promo{align-items:center;gap:5px;font-size:11px;display:inline-flex;color:#ffffffc7!important}.topline-promo b{color:#fff}.topline-promo span{color:var(--red);font-size:15px;transition:transform .2s}.topline-promo:hover span{transform:translate(3px)}.site-header{z-index:100;-webkit-backdrop-filter:blur(14px);background:#fffdf9f7;border-bottom:1px solid #11121414;position:sticky;top:0;box-shadow:0 8px 24px #1c18140f}.nav-row{align-items:center;gap:34px;min-height:84px;display:flex}.brand{flex:none;align-items:center;display:inline-flex}.brand .brand-wordmark{object-fit:contain;width:218px;height:auto}.desktop-nav{align-items:center;gap:22px;margin-left:auto;display:flex}.desktop-nav a{color:#343537;font-size:14px;font-weight:650;transition:color .2s}.desktop-nav a:hover{color:var(--red)}.personal-nav-link{align-items:center;gap:7px;display:inline-flex}.desktop-nav .personal-nav-link{color:var(--red);font-weight:750}.personal-nav-link small{color:var(--red);letter-spacing:.08em;text-transform:uppercase;background:#b91f2e1a;border-radius:999px;padding:3px 7px;font-size:9px;font-weight:850;line-height:1}.nav-actions{align-items:center;gap:10px;display:flex}.button{border:1px solid #0000;border-radius:999px;justify-content:center;align-items:center;gap:10px;min-height:52px;padding:0 24px;font-size:14px;font-weight:800;transition:transform .2s,background .2s,color .2s,box-shadow .2s;display:inline-flex}.button:hover{transform:translateY(-2px)}.button-primary{background:var(--red);color:var(--white);box-shadow:0 12px 30px #b91f2e38}.button-primary:hover{background:var(--red-dark)}.portal-button{border-color:var(--ink);color:var(--ink);background:#fff;box-shadow:0 8px 20px #1c18140f}.portal-button:hover{border-color:var(--red);color:var(--red);box-shadow:0 12px 26px #b91f2e1a}.button-small{min-height:44px;padding:0 20px}.button-quiet{-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);background:#ffffffb3;border-color:#11121429}.button-outline{background:0 0;border-color:#11121433}.button-white{color:var(--ink);background:#fff}.button-ghost-white{color:#fff;border-color:#ffffff80}.mobile-menu{margin-left:auto;display:none;position:relative}.mobile-menu summary{border:1px solid var(--line);cursor:pointer;border-radius:50%;place-content:center;gap:5px;width:44px;height:44px;list-style:none;display:grid}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-menu summary span{background:var(--ink);width:18px;height:2px}.mobile-menu nav{border:1px solid var(--line);width:min(310px,100vw - 32px);box-shadow:var(--shadow);background:#fff;border-radius:20px;gap:4px;padding:22px;display:grid;position:absolute;top:56px;right:0}.mobile-menu nav>a:not(.button){border-bottom:1px solid #eeeae3;padding:12px 6px;font-weight:700}.mobile-menu nav>.personal-nav-link{color:var(--red);justify-content:space-between}.mobile-menu .button{margin-top:10px}.mobile-menu .portal-button+.button{margin-top:4px}.hero{background:#e8e1d8;align-items:center;min-height:700px;display:flex;position:relative;overflow:hidden}.hero-image{object-fit:cover;object-position:center;width:100%;height:100%;position:absolute;inset:0}.hero-wash{background:linear-gradient(90deg,#f7f4eefa 0%,#f7f4eee8 31%,#f7f4ee6b 49%,#f7f4ee00 66%);position:absolute;inset:0}.hero-content{padding-top:74px;padding-bottom:74px;position:relative}.hero-content h1{max-width:650px;margin-bottom:24px;font-size:clamp(56px,6.4vw,92px);font-weight:750;line-height:.91}.hero-lede{color:#444641;max-width:590px;margin-bottom:30px;font-size:19px}.button-row{flex-wrap:wrap;align-items:center;gap:12px;display:flex}.hero-proof{color:#4b4d49;flex-wrap:wrap;gap:0;margin-top:42px;font-size:12px;display:flex}.hero-proof span{border-left:1px solid #11121433;padding:0 22px}.hero-proof span:first-child{border-left:0;padding-left:0}.hero-proof b{color:var(--ink);font-size:22px;line-height:1.1;display:block}.credibility-strip{background:var(--red);color:#fff}.credibility-inner{justify-content:space-between;align-items:center;gap:22px;min-height:62px;display:flex}.credibility-inner p{letter-spacing:.02em;margin:0;font-size:12px;font-weight:750}.status-dot{background:#fff;border-radius:50%;width:7px;height:7px;margin-right:9px;display:inline-block;box-shadow:0 0 0 4px #ffffff2e}.section{padding:110px 0}.section-light{background:var(--cream)}.section-heading{margin-bottom:50px}.split-heading{grid-template-columns:1.25fr .75fr;align-items:end;gap:80px;display:grid}.split-heading h2,.centered-heading h2{margin-bottom:0}.split-heading>p{color:var(--muted);margin-bottom:3px;font-size:17px}.goal-grid{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.goal-card{background:var(--paper);border:1px solid #11121414;border-radius:24px;flex-direction:column;min-height:330px;padding:34px;transition:transform .2s,box-shadow .2s;display:flex;box-shadow:0 12px 36px #1c18140a}.goal-card:hover{box-shadow:var(--shadow);transform:translateY(-6px)}.card-number{width:48px;height:48px;color:var(--red);background:#f4e6e7;border-radius:50%;place-items:center;margin-bottom:50px;font-size:12px;font-weight:800;display:grid}.goal-card h3{letter-spacing:-.035em;margin-bottom:13px;font-size:28px}.goal-card p{color:var(--muted)}.arrow-link{width:fit-content;color:var(--red);align-items:center;gap:8px;margin-top:auto;font-size:14px;font-weight:800;display:inline-flex}.arrow-link span{transition:transform .2s}.arrow-link:hover span{transform:translate(3px,-3px)}.section-ink{background:var(--ink);color:#fff;position:relative;overflow:hidden}.section-ink:after{content:"";border:1px solid #ffffff1f;border-radius:50%;width:460px;height:460px;position:absolute;top:-220px;right:-140px;box-shadow:0 0 0 70px #ffffff06,0 0 0 140px #ffffff05}.inverse>p{color:#ffffffa3}.benefit-grid{z-index:1;border-top:1px solid #ffffff29;grid-template-columns:repeat(3,1fr);display:grid;position:relative}.benefit-grid article{border-right:1px solid #ffffff29;padding:44px 44px 6px 0}.benefit-grid article+article{padding-left:44px}.benefit-grid article:last-child{border-right:0}.benefit-grid span{color:var(--red);font-size:12px;font-weight:800}.benefit-grid h3{margin:35px 0 12px;font-size:23px}.benefit-grid p{color:#ffffff9e}.centered-heading{text-align:center;max-width:750px;margin-left:auto;margin-right:auto}.centered-heading>p:last-child{color:var(--muted);margin:20px auto 0;font-size:17px}.program-grid{grid-template-columns:repeat(3,1fr);gap:16px;display:grid}.program-card{border:1px solid var(--line);background:#fff;border-radius:20px;flex-direction:column;min-height:280px;padding:30px;transition:transform .2s,border-color .2s,box-shadow .2s;display:flex}.program-card:hover{border-color:#b91f2e4d;transform:translateY(-4px);box-shadow:0 18px 42px #1c181412}.program-card-topline{justify-content:space-between;align-items:center;gap:14px;min-height:38px;margin-bottom:34px;display:flex}.program-mark{background:var(--ink);color:#fff;border-radius:10px;place-items:center;width:38px;height:38px;font-size:11px;font-weight:850;display:grid}.program-card-tag{color:var(--red);letter-spacing:.09em;text-transform:uppercase;background:#f4e6e7;border-radius:999px;padding:7px 9px;font-size:9px;font-weight:850}.program-card h3{letter-spacing:-.025em;margin-bottom:11px;font-size:23px}.program-card p{color:var(--muted);margin-bottom:24px;font-size:14px}.program-card .arrow-link{margin-top:auto;font-size:13px}.center-action{justify-content:center;margin-top:34px;display:flex}.featured-programs{border:1px solid var(--line);background:#f4f0e9;border-radius:26px;margin-top:62px;padding:44px}.featured-programs-heading{grid-template-columns:1.1fr .9fr;align-items:end;gap:70px;margin-bottom:32px;display:grid}.featured-programs-heading .eyebrow{margin-bottom:12px}.featured-programs-heading h3{letter-spacing:-.035em;margin:0;font-size:clamp(30px,3vw,42px);line-height:1.05}.featured-programs-heading>p{color:var(--muted);margin:0 0 3px;font-size:13px}.featured-program-grid{grid-template-columns:repeat(3,1fr);gap:14px;display:grid}.featured-program-card{border:1px solid var(--line);background:#fff;border-radius:19px;flex-direction:column;min-height:250px;padding:28px;display:flex}.featured-program-card>span{width:fit-content;color:var(--red);letter-spacing:.1em;text-transform:uppercase;background:#f4e6e7;border-radius:999px;padding:7px 9px;font-size:9px;font-weight:850}.featured-program-card h4{letter-spacing:-.025em;margin:30px 0 10px;font-size:21px}.featured-program-card p{color:var(--muted);margin-bottom:24px;font-size:13px}.featured-program-card .arrow-link{margin-top:auto;font-size:12px}.featured-program-primary{border-color:var(--ink);background:var(--ink);color:#fff}.featured-program-primary>span{background:var(--red);color:#fff}.featured-program-primary p{color:#ffffff9e}.featured-program-primary .arrow-link{color:#fff}.featured-program-disclosure{color:#858680;margin:20px 4px 0;font-size:9px;line-height:1.6}.construction-partner-feature{background:var(--ink);color:#fff;border-radius:28px;align-items:center;min-height:510px;margin-top:54px;display:flex;position:relative;overflow:hidden}.construction-feature-image{object-fit:cover;width:100%;height:100%;position:absolute;inset:0}.construction-feature-shade{background:linear-gradient(90deg,#0a0b0dfa 0%,#0a0b0de8 48%,#0a0b0d33 78%);position:absolute;inset:0}.construction-feature-copy{z-index:1;width:65%;padding:58px;position:relative}.construction-feature-copy .eyebrow{color:#ffffff8c;margin-top:28px}.construction-feature-copy h3{letter-spacing:-.035em;max-width:720px;margin:0 0 18px;font-size:clamp(36px,4.5vw,58px);line-height:1.02}.construction-feature-copy>p:not(.eyebrow){color:#ffffffb3;max-width:660px;font-size:16px}.construction-feature-copy .button-row{margin-top:28px}.construction-feature-copy small{color:#ffffff6b;max-width:650px;margin-top:24px;font-size:9px;line-height:1.5;display:block}.construction-feature-partner{z-index:2;background:#fffffff0;border-radius:50%;width:118px;height:118px;padding:9px;position:absolute;top:34px;right:34px;box-shadow:0 16px 40px #0000003d}.construction-feature-partner img{object-fit:contain;border-radius:50%;width:100%;height:100%}.socal-location-badge{background:var(--red);color:#fff;letter-spacing:.12em;text-transform:uppercase;border-radius:999px;width:fit-content;padding:9px 13px;font-size:9px;font-weight:850;display:inline-flex}.process-section{background:#ece8e1}.process-layout{grid-template-columns:.8fr 1.2fr;align-items:start;gap:110px;display:grid}.process-intro{position:sticky;top:40px}.process-intro h2{margin-bottom:24px}.process-intro>p:not(.eyebrow){color:var(--muted);margin-bottom:30px;font-size:17px}.process-list{border-top:1px solid #c8c2b8;margin:0;padding:0;list-style:none}.process-list li{border-bottom:1px solid #c8c2b8;grid-template-columns:62px 1fr;gap:20px;padding:30px 0;display:grid}.process-list li>span{width:42px;height:42px;color:var(--red);background:#fff;border-radius:50%;place-items:center;font-size:13px;font-weight:800;display:grid}.process-list h3{margin:5px 0 8px;font-size:22px}.process-list p{color:var(--muted);margin-bottom:0}.nyc-panel{background:var(--ink);color:#fff;border-radius:30px;grid-template-columns:.9fr 1.1fr;min-height:620px;display:grid;overflow:hidden}.nyc-image-wrap{min-height:560px;position:relative}.nyc-image-wrap img{object-fit:cover;width:100%;height:100%}.image-label{-webkit-backdrop-filter:blur(7px);backdrop-filter:blur(7px);background:#111214c7;border-radius:999px;padding:10px 14px;font-size:12px;font-weight:750;position:absolute;bottom:24px;left:24px}.nyc-copy{flex-direction:column;justify-content:center;padding:80px;display:flex}.nyc-copy h2{margin-bottom:24px}.nyc-copy>p:not(.eyebrow){color:#ffffffa8;font-size:17px}.mini-stats{border-top:1px solid #ffffff26;border-bottom:1px solid #ffffff26;grid-template-columns:1fr 1fr;gap:20px;margin:28px 0 34px;padding:24px 0;display:grid}.mini-stats div{flex-direction:column;gap:3px;display:flex}.mini-stats b{font-size:25px}.mini-stats span{color:#ffffff8c;font-size:12px}.nyc-copy .arrow-link{color:#fff;margin-top:0}.ratebuddy-band{background:var(--red);color:#fff;padding:78px 0}.ratebuddy-inner{justify-content:space-between;align-items:center;gap:70px;display:flex}.ratebuddy-inner>div{max-width:720px}.ratebuddy-inner .eyebrow{color:#ffffffb8}.ratebuddy-inner h2{margin-bottom:18px;font-size:clamp(38px,4vw,58px)}.ratebuddy-inner p:last-child{color:#ffffffc2;margin-bottom:0}.closing-cta{text-align:center}.closing-inner{max-width:800px}.closing-inner h2{margin-bottom:20px}.closing-inner>p:not(.eyebrow){color:var(--muted);font-size:18px}.centered-buttons{justify-content:center;margin-top:30px}.home-page h1{letter-spacing:-.022em;font-weight:700;line-height:.97}.home-page .hero-content h1{letter-spacing:.005em;text-wrap:balance;max-width:700px;line-height:1.05}.home-page h2{letter-spacing:-.022em;font-weight:700;line-height:1.06}.home-page h3{letter-spacing:-.012em;font-weight:700;line-height:1.2}.home-page b{letter-spacing:0;font-weight:700}.home-page .button,.home-page .arrow-link{letter-spacing:.005em;font-weight:700}.home-page .credibility-inner p{letter-spacing:.025em;font-weight:700}.page-hero{background:var(--ink);color:#fff;padding:120px 0 105px;position:relative;overflow:hidden}.page-hero-inner{z-index:1;max-width:980px;position:relative}.page-hero h1{max-width:900px;margin-bottom:25px;font-size:clamp(54px,7vw,92px);line-height:.93}.page-hero-inner>p:last-child{color:#ffffffa8;max-width:700px;margin-bottom:0;font-size:19px}.page-hero-orbit{border:1px solid #ffffff1a;border-radius:50%;position:absolute}.orbit-one{width:500px;height:500px;top:-240px;right:-150px;box-shadow:0 0 0 80px #ffffff05,0 0 0 160px #ffffff04}.orbit-two{border-color:#b91f2eb3;width:160px;height:160px;bottom:-110px;right:24%;box-shadow:0 0 0 45px #b91f2e0f}.contact-cta{background:var(--red);color:#fff;padding:72px 0}.contact-cta-inner{justify-content:space-between;align-items:center;gap:60px;display:flex}.contact-cta h2{max-width:680px;margin-bottom:0;font-size:clamp(38px,4vw,58px)}.contact-cta .eyebrow{color:#ffffffb3}.site-footer{color:#fff;background:#0c0d0f;padding:86px 0 34px}.footer-main{grid-template-columns:1.5fr .75fr .75fr 1fr;gap:65px;padding-bottom:65px;display:grid}.site-footer .brand{margin-bottom:24px}.site-footer .brand img{filter:brightness(0)invert();opacity:.95}.site-footer .brand span{color:#fff}.footer-face-signature{align-items:center;gap:14px;max-width:320px;margin:-2px 0 22px;display:flex}.footer-face-signature img{border-radius:50%;flex:none;width:48px;height:48px}.footer-face-signature p{color:#ffffff94;margin:0;font-size:13px;line-height:1.5}.footer-brand>a{margin:8px 0;font-size:14px;display:block}.footer-main h3{color:#ffffff80;text-transform:uppercase;letter-spacing:.16em;margin:7px 0 22px;font-size:11px}.footer-main>div:not(.footer-brand)>a{color:#ffffffc7;margin:14px 0;font-size:14px;display:block}.footer-address p{color:#ffffffb3;font-size:14px}.housing-row{color:#ffffff8c;align-items:center;gap:10px;margin-top:22px;font-size:11px;line-height:1.3;display:flex}.housing-row img{object-fit:contain;filter:brightness(0)invert();width:34px;height:34px}.footer-legal{border-top:1px solid #ffffff1f;border-bottom:1px solid #ffffff1f;justify-content:space-between;gap:30px;padding:24px 0;display:flex}.footer-legal p{color:#ffffff80;margin:0;font-size:12px}.footer-legal div{gap:24px;font-size:12px;display:flex}.disclosure{color:#ffffff61;padding-top:22px;font-size:10px}.disclosure p{margin-bottom:8px;line-height:1.6}.category-nav{z-index:12;border-bottom:1px solid var(--line);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);background:#f6f3edf5;padding:13px 0;position:sticky;top:0;box-shadow:0 10px 30px #1c18140f}.category-nav .shell{grid-template-columns:repeat(5,minmax(0,1fr));gap:10px;display:grid}.category-nav a{min-height:58px;color:var(--ink);text-align:center;background:#fff;border:1px solid #1112141f;border-radius:14px;justify-content:center;align-items:center;padding:10px 14px;font-size:15px;font-weight:800;transition:transform .2s,color .2s,border-color .2s,box-shadow .2s;display:flex;box-shadow:0 5px 16px #1c18140a}.category-nav a:hover{color:var(--red);border-color:#b91f2e6b;transform:translateY(-2px);box-shadow:0 10px 24px #b91f2e1a}.category-nav a:focus-visible{outline-offset:2px;outline:3px solid #b91f2e47}.loan-category{scroll-margin-top:96px}.alt-category{background:var(--cream)}.category-heading{grid-template-columns:1.1fr .9fr;align-items:end;gap:100px;margin-bottom:52px;display:grid}.category-heading h2{max-width:700px;margin-bottom:0}.category-heading>p{color:var(--muted);margin-bottom:4px;font-size:17px}.option-card-grid{grid-template-columns:repeat(3,1fr);gap:16px;display:grid}.option-card{border:1px solid var(--line);background:#fff;border-radius:20px;flex-direction:column;min-height:290px;padding:30px;transition:transform .2s,box-shadow .2s;display:flex}.option-card:hover{box-shadow:var(--shadow);transform:translateY(-5px)}.option-card>span{color:var(--red);font-size:11px;font-weight:800}.option-card h3{letter-spacing:-.025em;margin:48px 0 12px;font-size:23px}.option-card p{color:var(--muted);font-size:14px}.option-card a{color:var(--red);margin-top:auto;font-size:13px;font-weight:800}.refi-buydown-panel{background:var(--ink);color:#fff;border-radius:28px;grid-template-columns:.85fr 1.15fr;align-items:center;gap:52px;margin-top:28px;padding:58px;display:grid;position:relative;overflow:hidden}.refi-buydown-panel:after{content:"";border:1px solid #ffffff1a;border-radius:50%;width:360px;height:360px;position:absolute;top:-190px;right:-160px;box-shadow:0 0 0 58px #ffffff05,0 0 0 116px #ffffff03}.refi-buydown-copy,.buydown-options{z-index:1;position:relative}.program-launch-badge{background:var(--red);color:#fff;letter-spacing:.13em;text-transform:uppercase;border-radius:999px;margin-bottom:28px;padding:8px 12px;font-size:9px;font-weight:850;display:inline-flex}.refi-buydown-copy .eyebrow{color:#ffffff80;margin-bottom:14px}.refi-buydown-copy h3{letter-spacing:-.035em;max-width:590px;margin-bottom:18px;font-size:clamp(34px,4vw,52px);line-height:1.02}.refi-buydown-copy>p:not(.eyebrow){color:#ffffffa8;max-width:610px;margin-bottom:28px;font-size:16px}.buydown-options{gap:12px;display:grid}.buydown-option{background:#ffffff0d;border:1px solid #ffffff29;border-radius:20px;padding:24px}.buydown-option header{justify-content:space-between;align-items:center;gap:20px;display:flex}.buydown-option header>span{color:var(--red);letter-spacing:.12em;text-transform:uppercase;font-size:9px;font-weight:850}.buydown-option h4{letter-spacing:-.02em;margin:0;font-size:19px}.buydown-timeline{border-top:1px solid #ffffff24;margin-top:20px;display:grid}.buydown-timeline.two-stage{grid-template-columns:repeat(2,1fr)}.buydown-timeline.three-stage{grid-template-columns:repeat(3,1fr)}.buydown-timeline>div{padding:18px 16px 2px}.buydown-timeline>div:first-child{padding-left:0}.buydown-timeline>div+div{border-left:1px solid #ffffff24}.buydown-timeline span{color:#ffffff80;letter-spacing:.08em;text-transform:uppercase;min-height:25px;margin-bottom:8px;font-size:9px;font-weight:850;display:block}.buydown-timeline b{color:#fff;letter-spacing:-.035em;font-size:clamp(23px,2.2vw,32px);line-height:1;display:block}.buydown-disclosure{color:#fff6;padding:8px 4px 0;font-size:9px;line-height:1.6;display:block}.fit-note{background:#ece8e1;padding:45px 0}.fit-note-inner{align-items:center;gap:22px;max-width:920px;display:flex}.fit-note-inner p{color:var(--muted);margin:0;font-size:14px}.fit-note-inner b{color:var(--ink)}.fit-icon{background:var(--red);color:#fff;border-radius:50%;flex:none;place-items:center;width:42px;height:42px;font-weight:900;display:grid}.personal-loan-panel{background:var(--ink);color:#fff;border-radius:30px;grid-template-columns:1.15fr .85fr;align-items:center;gap:80px;padding:64px;display:grid}.personal-loan-copy h2{margin:24px 0}.personal-loan-copy>p:last-child{color:#ffffffab;margin-bottom:0;font-size:17px}.coming-soon-badge{background:var(--red);color:#fff;letter-spacing:.13em;text-transform:uppercase;border-radius:999px;margin-bottom:30px;padding:9px 13px;font-size:10px;font-weight:850;display:inline-flex}.personal-loan-copy .eyebrow{color:#ffffff8c}.personal-loan-note{background:#ffffff0d;border:1px solid #ffffff29;border-radius:20px;padding:32px}.personal-loan-note b{margin-bottom:12px;font-size:19px;display:block}.personal-loan-note p{color:#ffffff9e;margin-bottom:0;font-size:13px}.construction-loan-callout{background:var(--ink);color:#fff;border-radius:22px;grid-template-columns:110px 1fr auto;align-items:center;gap:30px;margin-top:28px;padding:28px 30px;display:grid}.construction-loan-callout>img{object-fit:contain;background:#fff;border-radius:50%;width:96px;height:96px;padding:7px}.construction-loan-callout span{color:var(--red);letter-spacing:.13em;text-transform:uppercase;font-size:9px;font-weight:850}.construction-loan-callout h3{letter-spacing:-.025em;margin:9px 0 7px;font-size:24px}.construction-loan-callout p{color:#ffffff9e;max-width:680px;margin:0;font-size:13px}.socal-hero{background:var(--ink);color:#fff;align-items:center;min-height:690px;display:flex;position:relative;overflow:hidden}.socal-hero-image{object-fit:cover;width:100%;height:100%;position:absolute;inset:0}.socal-hero-shade{background:linear-gradient(90deg,#090a0cfa 0%,#090a0ce6 42%,#090a0c3d 73%);position:absolute;inset:0}.socal-hero-content{z-index:1;padding-top:92px;padding-bottom:92px;position:relative}.socal-hero-content .eyebrow{color:#ffffff8f;margin-top:30px}.socal-hero-content h1{letter-spacing:-.035em;max-width:790px;margin-bottom:26px;font-size:clamp(54px,6.2vw,88px);line-height:.96}.socal-hero-content>p:not(.eyebrow){color:#ffffffb3;max-width:680px;margin-bottom:30px;font-size:18px}.socal-partner-intro{grid-template-columns:1.05fr .95fr;align-items:center;gap:100px;display:grid}.socal-partner-intro h2{margin-bottom:26px}.socal-partner-intro>div>p:last-child{color:var(--muted);font-size:17px}.new-era-partner-card{border:1px solid var(--line);box-shadow:var(--shadow);background:#fff;border-radius:26px;padding:38px}.new-era-partner-card>img{object-fit:contain;border:1px solid var(--line);border-radius:50%;width:124px;height:124px;margin-bottom:26px;padding:7px}.new-era-partner-card span,.new-era-partner-card b{display:block}.new-era-partner-card span{color:var(--red);letter-spacing:.12em;text-transform:uppercase;font-size:9px;font-weight:850}.new-era-partner-card b{margin-top:12px;font-size:22px}.new-era-partner-card p{color:var(--muted);font-size:14px}.new-era-partner-card a{color:var(--red);font-size:13px;font-weight:850}.socal-service-grid{grid-template-columns:repeat(4,1fr);gap:14px;display:grid}.socal-service-grid article{border:1px solid var(--line);background:#fff;border-radius:22px;min-height:285px;padding:30px}.socal-service-grid article>span{color:var(--red);font-size:10px;font-weight:850}.socal-service-grid h3{letter-spacing:-.03em;margin:64px 0 14px;font-size:23px}.socal-service-grid p{color:var(--muted);margin:0;font-size:13px}.socal-process-band{background:var(--ink);color:#fff;position:relative;overflow:hidden}.socal-process-band:after{content:"";border:1px solid #ffffff1a;border-radius:50%;width:520px;height:520px;position:absolute;top:-230px;right:-180px;box-shadow:0 0 0 70px #ffffff05,0 0 0 140px #ffffff04}.socal-step-grid{z-index:1;border-top:1px solid #ffffff26;grid-template-columns:repeat(4,1fr);display:grid;position:relative}.socal-step-grid article{border-right:1px solid #ffffff26;min-height:280px;padding:36px 30px 10px 0}.socal-step-grid article+article{padding-left:30px}.socal-step-grid article:last-child{border-right:0}.socal-step-grid article>span{background:var(--red);border-radius:50%;place-items:center;width:38px;height:38px;font-size:11px;font-weight:850;display:grid}.socal-step-grid h3{margin:46px 0 12px;font-size:21px}.socal-step-grid p{color:#ffffff94;margin:0;font-size:13px}.socal-finance-cta{background:var(--cream);border-radius:28px;grid-template-columns:1.1fr .9fr;align-items:end;gap:80px;padding:60px;display:grid}.socal-finance-cta .eyebrow{margin-top:28px}.socal-finance-cta h2{margin-bottom:22px}.socal-finance-cta>div>p:last-child{color:var(--muted);margin:0;font-size:16px}.socal-finance-actions{flex-direction:column;gap:10px;display:flex}.socal-finance-actions .button{width:100%}.socal-partner-disclosure{margin-top:24px}.socal-partner-disclosure p{color:#858680;margin:0;font-size:9px;line-height:1.6}.story-grid{grid-template-columns:1fr .86fr;align-items:center;gap:110px;display:grid}.story-copy h2{margin-bottom:28px}.story-copy>p:not(.eyebrow){color:var(--muted);font-size:17px}.story-copy .button{margin-top:16px}.story-image{min-height:650px;box-shadow:var(--shadow);border-radius:28px;position:relative;overflow:hidden}.story-image>img{object-fit:cover;width:100%;height:100%;position:absolute;inset:0}.story-image-card{-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);background:#ffffffed;border-radius:16px;flex-direction:column;min-width:220px;padding:18px 20px;display:flex;position:absolute;bottom:22px;right:22px}.story-image-card b{font-size:15px}.story-image-card span{color:var(--muted);font-size:12px}.founder-led-section{padding-top:0}.founder-led-panel{background:var(--ink);color:#fff;border-radius:30px;grid-template-columns:1.04fr .96fr;align-items:center;gap:80px;padding:72px;display:grid;position:relative;overflow:hidden;box-shadow:0 28px 70px #11121429}.founder-led-panel:before{content:"";border:1px solid #ffffff1a;border-radius:50%;width:500px;height:500px;position:absolute;bottom:-330px;left:-270px;box-shadow:0 0 0 72px #ffffff05,0 0 0 144px #ffffff03}.founder-led-copy,.founder-principles{z-index:1;position:relative}.founder-led-copy .eyebrow{color:#ffffff8c}.founder-led-copy h2{max-width:680px;margin-bottom:24px}.founder-led-copy>p:not(.eyebrow){color:#ffffffab;max-width:650px;margin-bottom:28px;font-size:17px}.founder-signature{border-top:1px solid #ffffff24;flex-direction:column;gap:4px;padding-top:22px;display:flex}.founder-signature b{font-size:18px}.founder-signature span{color:#ffffff7a;font-size:12px}.founder-principles{border-top:1px solid #ffffff2e}.founder-principles article{border-bottom:1px solid #ffffff2e;grid-template-columns:42px 1fr;gap:18px;padding:26px 0;display:grid}.founder-principles article>span{background:var(--red);border-radius:50%;place-items:center;width:34px;height:34px;font-size:10px;font-weight:850;display:grid}.founder-principles b{margin:2px 0 6px;font-size:17px;display:block}.founder-principles p{color:#ffffff91;margin:0;font-size:13px}.brand-story-section{padding-top:0}.brand-story-panel{background:var(--red);color:#fff;border-radius:30px;grid-template-columns:.9fr 1.1fr;align-items:center;gap:90px;padding:72px;display:grid;position:relative;overflow:hidden;box-shadow:0 28px 70px #8c122033}.brand-story-panel:after{content:"";border:1px solid #ffffff24;border-radius:50%;width:420px;height:420px;position:absolute;top:-230px;right:-180px;box-shadow:0 0 0 70px #ffffff06,0 0 0 140px #ffffff05}.brand-story-identity,.brand-story-copy{z-index:1;position:relative}.brand-story-icon{border-radius:50%;width:138px;height:138px;margin-bottom:34px;box-shadow:0 18px 42px #47040c40}.brand-story-icon img{object-fit:cover;border-radius:50%;width:100%;height:100%}.brand-story-panel .eyebrow{color:#ffffffad}.brand-story-identity h2{max-width:520px;margin-bottom:0;font-size:clamp(42px,5vw,67px)}.brand-story-copy p{color:#ffffffc7;margin-bottom:18px;font-size:17px}.brand-story-copy .arrow-link{color:#fff;margin-top:14px}.about-borrowers-section{background:var(--cream)}.about-borrower-grid{grid-template-columns:repeat(4,1fr);gap:14px;display:grid}.about-borrower-grid article{border:1px solid var(--line);background:#fff;border-radius:22px;min-height:310px;padding:30px;position:relative;overflow:hidden}.about-borrower-grid article:after{content:"";border:1px solid #b91f2e24;border-radius:50%;width:150px;height:150px;position:absolute;bottom:-92px;right:-88px;box-shadow:0 0 0 34px #b91f2e06}.about-borrower-grid article:nth-child(2){background:#f7e8ea;border-color:#eccfd3}.about-borrower-grid article:nth-child(4){background:var(--ink);border-color:var(--ink);color:#fff}.about-borrower-grid article:nth-child(4):after{border-color:#ffffff1f;box-shadow:0 0 0 34px #ffffff06}.about-borrower-grid span{color:var(--red);font-size:10px;font-weight:850}.about-borrower-grid h3{letter-spacing:-.035em;margin:78px 0 14px;font-size:24px}.about-borrower-grid p{z-index:1;color:var(--muted);margin:0;font-size:13px;position:relative}.about-borrower-grid article:nth-child(4) p{color:#ffffff9e}.value-grid{border-top:1px solid #cbc6bd;grid-template-columns:repeat(4,1fr);display:grid}.value-grid article{border-right:1px solid #cbc6bd;padding:40px 28px 20px 0}.value-grid article+article{padding-left:28px}.value-grid article:last-child{border-right:0}.value-grid span{color:var(--red);font-size:11px;font-weight:800}.value-grid h3{margin:36px 0 12px;font-size:24px}.value-grid p{color:var(--muted);margin-bottom:0;font-size:14px}.number-grid{grid-template-columns:repeat(4,1fr);gap:15px;display:grid}.number-grid article{border:1px solid var(--line);background:#fff;border-radius:20px;flex-direction:column;justify-content:space-between;min-height:250px;padding:30px;display:flex}.number-grid b{color:var(--red);letter-spacing:-.06em;font-size:58px;line-height:1}.number-grid span{color:var(--muted);font-size:13px;line-height:1.55}.mission-band{background:var(--ink);color:#fff;text-align:center;padding:105px 0}.mission-inner{max-width:930px}.mission-inner img{object-fit:contain;filter:brightness(0)invert();width:80px;height:65px;margin:0 auto 36px}.mission-inner blockquote{letter-spacing:-.045em;margin:0;font-size:clamp(34px,5vw,62px);font-weight:700;line-height:1.05}.mission-inner p{color:#ffffff80;text-transform:uppercase;letter-spacing:.17em;margin:25px 0 0;font-size:12px;font-weight:800}.resource-tools{z-index:2;margin-top:-30px;position:relative}.tool-grid{grid-template-columns:1fr 1fr;gap:16px;display:grid}.tool-card{border:1px solid var(--line);min-height:250px;box-shadow:var(--shadow);background:#fff;border-radius:24px;grid-template-columns:50px 1fr auto;align-items:start;gap:20px;padding:34px;display:grid}.tool-card>span{width:42px;height:42px;color:var(--red);background:#f4e6e7;border-radius:50%;place-items:center;font-size:11px;font-weight:800;display:grid}.tool-card h2{margin-bottom:14px;font-size:33px}.tool-card p{color:var(--muted);margin-bottom:0;font-size:14px}.tool-card>b{color:var(--red);align-self:end;font-size:28px}.dark-tool{background:var(--red);color:#fff;border-color:var(--red)}.dark-tool>span{color:#fff;background:#ffffff26}.dark-tool p{color:#ffffffbd}.dark-tool>b{color:#fff}.article-grid{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.article-card{border:1px solid var(--line);background:#fff;border-radius:22px;flex-direction:column;display:flex;overflow:hidden}.article-art{color:#fff;justify-content:space-between;min-height:190px;padding:22px;display:flex;position:relative;overflow:hidden}.article-art:after{content:"";border:1px solid #ffffff59;border-radius:50%;width:190px;height:190px;position:absolute;bottom:-92px;right:-52px;box-shadow:0 0 0 35px #ffffff0f,0 0 0 70px #ffffff09}.art-1{background:#8e1a27}.art-2{background:#222428}.art-3{background:#a85e3c}.article-art span{text-transform:uppercase;letter-spacing:.1em;background:#ffffff24;border-radius:999px;height:fit-content;padding:8px 11px;font-size:10px;font-weight:800}.article-art b{opacity:.7;font-size:44px;line-height:1}.article-copy{flex-direction:column;flex:1;padding:28px;display:flex}.article-copy h3{letter-spacing:-.03em;margin-bottom:12px;font-size:22px}.article-copy p{color:var(--muted);font-size:14px}.article-copy .arrow-link{margin-top:auto}.contact-grid{grid-template-columns:1.1fr .9fr;align-items:start;gap:90px;display:grid}.contact-details>h2{margin-bottom:45px}.contact-list{border-top:1px solid var(--line)}.contact-list>a{border-bottom:1px solid var(--line);grid-template-columns:72px 1fr 30px;align-items:start;gap:20px;padding:25px 0;display:grid}.contact-list>a>span{color:var(--red);text-transform:uppercase;letter-spacing:.12em;padding-top:4px;font-size:11px;font-weight:800}.contact-list b{margin-bottom:5px;font-size:18px;display:block}.contact-list p{color:var(--muted);margin:0;font-size:13px}.contact-list i{font-size:20px;font-style:normal;transition:transform .2s}.contact-list a:hover i{color:var(--red);transform:translate(5px)}.office-card{background:var(--ink);color:#fff;box-shadow:var(--shadow);border-radius:26px;overflow:hidden}.office-card>img{object-fit:cover;width:100%;height:370px}.office-card>div{padding:36px}.office-card .eyebrow{color:#ffffff80}.office-card h2{margin-bottom:22px;font-size:37px}.office-card address{color:#ffffffad;margin-bottom:25px;font-style:normal;line-height:1.7}.office-card a{font-size:13px;font-weight:800}.contact-bottom{background:var(--cream);padding:70px 0}.contact-bottom-inner{grid-template-columns:1fr 1fr;align-items:end;gap:90px;display:grid}.contact-bottom h2{margin-bottom:0;font-size:43px}.contact-bottom-inner>p{color:var(--muted);margin-bottom:3px;font-size:14px}.calculator-section{background:var(--cream)}.calculator-suite{gap:22px;display:grid}.calculator-tabs{grid-template-columns:repeat(3,1fr);gap:12px;display:grid}.calculator-tabs button{min-height:96px;color:var(--ink);text-align:left;cursor:pointer;background:#ffffffa8;border:1px solid #d6d2ca;border-radius:18px;padding:20px 22px;transition:transform .2s,border-color .2s,background .2s,box-shadow .2s}.calculator-tabs button:hover{border-color:#b91f2e66;transform:translateY(-2px)}.calculator-tabs button.active{border-color:var(--red);background:#fff;box-shadow:0 14px 34px #1c181414}.calculator-tabs button span{font-size:17px;font-weight:800;display:block}.calculator-tabs button small{color:var(--muted);margin-top:5px;font-size:11px;line-height:1.4;display:block}.calculator-panel-heading{margin-bottom:32px}.calculator-panel-heading .eyebrow{margin-bottom:11px}.calculator-panel-heading h2{margin-bottom:0;font-size:clamp(32px,3.4vw,46px);line-height:1.04}.calculator-panel-heading>p:last-child:not(.eyebrow){max-width:590px;color:var(--muted);margin:13px 0 0;font-size:13px}.calculator-wrap{box-shadow:var(--shadow);background:#fff;border-radius:28px;grid-template-columns:1.15fr .85fr;display:grid;overflow:hidden}.calculator-inputs{padding:50px}.field-grid{grid-template-columns:1fr 1fr;gap:24px 20px;display:grid}.heloc-field-grid{grid-template-columns:repeat(3,1fr)}.field-grid label>span{color:#484a47;margin-bottom:9px;font-size:12px;font-weight:750;display:block}.field-grid input,.field-grid select{width:100%;min-height:54px;color:var(--ink);background:#fffefa;border:1px solid #d6d2ca;border-radius:12px;outline:none}.field-grid input{background:0 0;border:0;border-radius:0;min-height:50px}.field-grid select{padding:0 14px}.field-grid input:focus,.field-grid select:focus{border-color:var(--red);box-shadow:0 0 0 3px #b91f2e21}.prefix-field,.suffix-field{background:#fffefa;border:1px solid #d6d2ca;border-radius:12px;align-items:center;gap:6px;min-height:54px;padding:0 14px;display:flex}.prefix-field:focus-within,.suffix-field:focus-within{border-color:var(--red);box-shadow:0 0 0 3px #b91f2e21}.prefix-field b,.suffix-field b{color:#777873;font-size:14px}.calc-context{border-top:1px solid var(--line);grid-template-columns:1fr 1fr;gap:20px;margin-top:34px;padding-top:26px;display:grid}.calc-context div{flex-direction:column;gap:5px;display:flex}.calc-context span{color:var(--muted);font-size:11px}.calc-context b{font-size:20px}.calculator-result{background:var(--red);color:#fff;flex-direction:column;padding:54px 46px;display:flex}.calculator-result-ink{background:var(--ink)}.calculator-result-heloc{background:#8c1220}.calculator-result .eyebrow{color:#ffffffb3}.payment-total{letter-spacing:-.07em;font-size:clamp(58px,6vw,86px);line-height:.95}.per-month{color:#ffffffad;margin:8px 0 32px;font-size:13px}.payment-breakdown{border-top:1px solid #ffffff40;border-bottom:1px solid #ffffff40;margin-bottom:30px;padding:22px 0}.payment-breakdown div{justify-content:space-between;gap:20px;margin:11px 0;font-size:13px;display:flex}.payment-breakdown span{color:#ffffffad}.calculator-result .button{width:100%;margin-top:auto}.calc-disclaimer{color:#ffffff8c;margin:18px 0 0;font-size:10px;line-height:1.5}.calculator-notes{grid-template-columns:repeat(3,1fr);gap:30px;margin-top:35px;display:grid}.calculator-notes div{border-top:1px solid #c9c4bb;padding:22px 0}.calculator-notes b{font-size:14px}.calculator-notes p{color:var(--muted);margin:10px 0 0;font-size:12px}.quote-next-section{background:var(--paper)}.quote-next-grid{grid-template-columns:1.05fr .95fr;align-items:center;gap:100px;display:grid}.quote-next-grid>div:first-child h2{margin-bottom:24px}.quote-next-grid>div:first-child>p:not(.eyebrow){max-width:620px;color:var(--muted);font-size:17px}.quote-action-card{background:var(--ink);color:#fff;box-shadow:var(--shadow);border-radius:26px;padding:42px}.quote-action-card>span{color:var(--red);letter-spacing:.14em;text-transform:uppercase;font-size:11px;font-weight:800}.quote-action-card h3{letter-spacing:-.035em;margin:34px 0 14px;font-size:32px}.quote-action-card p{color:#ffffffa6}.quote-action-card .button{width:100%;margin:18px 0 8px}.aside-link{width:fit-content;color:var(--red);margin-top:17px;font-size:13px;font-weight:800;display:block}.quote-action-card .aside-link{color:#fff}.lead-form-section{background:var(--cream)}.lead-form-section.section-light{background:var(--paper)}.lead-form-card{border:1px solid var(--line);box-shadow:var(--shadow);background:#fff;border-radius:30px;grid-template-columns:.72fr 1.28fr;gap:70px;padding:58px;scroll-margin-top:30px;display:grid}.lead-form-intro{padding:8px 0}.lead-form-intro h2{margin-bottom:22px;font-size:clamp(38px,4vw,56px)}.lead-form-intro>p:not(.eyebrow){color:var(--muted);font-size:16px}.form-safety-note{background:var(--cream);border-radius:16px;margin-top:34px;padding:22px}.form-safety-note b,.form-safety-note span{display:block}.form-safety-note b{margin-bottom:7px;font-size:13px}.form-safety-note span{color:var(--muted);font-size:12px;line-height:1.55}.lead-form-grid{grid-template-columns:1fr 1fr;gap:20px 16px;display:grid}.lead-form-grid label>span{color:#484a47;margin-bottom:8px;font-size:12px;font-weight:750;display:block}.lead-form-grid input,.lead-form-grid select,.lead-form-grid textarea{width:100%;min-height:52px;color:var(--ink);background:#fffefa;border:1px solid #d6d2ca;border-radius:12px;outline:none;padding:12px 14px}.lead-form-grid textarea{resize:vertical;min-height:110px}.lead-form-grid input:focus,.lead-form-grid select:focus,.lead-form-grid textarea:focus{border-color:var(--red);box-shadow:0 0 0 3px #b91f2e21}.full-field{grid-column:1/-1}.consent-check{cursor:pointer;grid-template-columns:20px 1fr;align-items:start;gap:12px;margin-top:24px;display:grid}.consent-check input{width:18px;height:18px;accent-color:var(--red);margin:3px 0 0}.consent-check span{color:#5e605c;font-size:11px;line-height:1.55}.consent-check a{color:var(--red);text-underline-offset:2px;font-weight:800;text-decoration:underline}.lead-submit{cursor:pointer;border:0;width:100%;margin-top:24px}.lead-submit:disabled{box-shadow:none;cursor:not-allowed;background:#c4c2bd;transform:none}.form-status{min-height:24px;margin:12px 0 0;font-size:12px;font-weight:700}.form-status.success{color:#24713a}.form-status.error{color:var(--red)}.hp-field{clip:rect(0, 0, 0, 0);white-space:nowrap;width:1px;height:1px;overflow:hidden;position:absolute!important}.lead-form-compact{grid-template-columns:.85fr 1.15fr}.benefit-cards{grid-template-columns:repeat(3,1fr);gap:16px;display:grid}.benefit-cards article,.review-standard-grid article{border:1px solid var(--line);background:#fff;border-radius:22px;min-height:285px;padding:34px}.benefit-cards span,.review-standard-grid span{color:var(--red);font-size:11px;font-weight:800}.benefit-cards h3,.review-standard-grid h3{letter-spacing:-.03em;margin:58px 0 14px;font-size:25px}.benefit-cards p,.review-standard-grid p{color:var(--muted);margin-bottom:0;font-size:14px}.detail-panel{background:var(--ink);color:#fff;border-radius:28px;grid-template-columns:.9fr 1.1fr;gap:100px;padding:64px;display:grid}.detail-panel h2{margin-bottom:0}.check-list{margin:0;padding:0;list-style:none}.check-list li{color:#ffffffc2;border-bottom:1px solid #ffffff24;padding:19px 0 19px 34px;position:relative}.check-list li:first-child{border-top:1px solid #ffffff24}.check-list li:before{content:"✓";color:var(--red);font-weight:900;position:absolute;left:0}.review-standard-grid{grid-template-columns:repeat(3,1fr);gap:16px;display:grid}.home-review-section{background:var(--paper)}.review-platform-grid{grid-template-columns:repeat(4,1fr);gap:14px;display:grid}.review-platform-card{border:1px solid var(--line);background:#fff;border-radius:20px;flex-direction:column;min-height:210px;padding:26px;transition:transform .2s,border-color .2s,box-shadow .2s;display:flex;position:relative}.review-platform-card:hover{border-color:#b91f2e57;transform:translateY(-4px);box-shadow:0 16px 38px #1c181412}.review-platform-name{color:#4c4e4a;min-height:34px;font-size:12px;font-weight:800;line-height:1.3}.review-platform-score{letter-spacing:-.045em;margin-top:20px;font-size:42px;font-weight:800;line-height:1}.review-stars,.client-review-stars{color:#e0a928;letter-spacing:.1em;font-size:15px}.review-stars{margin-top:8px}.review-bbb-mark{color:#21618f;letter-spacing:.1em;text-transform:uppercase;background:#eef3f7;border-radius:999px;width:fit-content;margin-top:9px;padding:4px 8px;font-size:9px;font-weight:850}.review-platform-detail{color:var(--muted);margin-top:auto;padding-top:18px;font-size:11px;font-weight:700}.review-platform-arrow{color:var(--red);font-size:16px;font-weight:800;position:absolute;top:23px;right:23px}.client-review-grid{grid-template-columns:repeat(3,1fr);gap:16px;margin-top:28px;display:grid}.client-review-card{background:var(--ink);color:#fff;border-radius:22px;flex-direction:column;min-height:270px;padding:34px;display:flex}.client-review-card blockquote{letter-spacing:-.025em;margin:32px 0 36px;font-size:25px;font-weight:650;line-height:1.3}.client-review-card footer{flex-direction:column;gap:4px;margin-top:auto;display:flex}.client-review-card footer b{font-size:13px}.client-review-card footer span{color:#ffffff8c;font-size:10px}.review-home-action{justify-content:center;margin-top:34px;display:flex}.review-rating-note{color:#7c7d79;text-align:right;margin:18px 0 0;font-size:10px}.review-source-actions{flex-wrap:wrap;justify-content:center;gap:12px;margin-top:34px;display:flex}.review-invite{border:1px solid var(--line);box-shadow:var(--shadow);background:#fff;border-radius:28px;justify-content:space-between;align-items:center;gap:70px;padding:58px;display:flex}.review-invite>div{max-width:720px}.review-invite h2{margin-bottom:18px}.review-invite p:last-child{color:var(--muted);margin-bottom:0}.review-invite .button{flex:none}.guide-section{background:var(--cream)}.guide-layout{grid-template-columns:minmax(0,1fr) 360px;align-items:start;gap:90px;display:grid}.guide-content{padding:12px 0}.guide-content>section{border-bottom:1px solid #cbc6bd;margin-bottom:52px;padding:0 0 52px}.guide-content>section:last-child{margin-bottom:0}.guide-number{color:var(--red);margin-bottom:24px;font-size:11px;font-weight:800;display:block}.guide-content h2{margin-bottom:22px;font-size:clamp(34px,3.5vw,52px)}.guide-content p{color:var(--muted);font-size:17px}.guide-content ul{margin:0;padding:8px 0 0;list-style:none}.guide-content li{color:#444641;padding:10px 0 10px 30px;position:relative}.guide-content li:before{content:"→";color:var(--red);font-weight:900;position:absolute;left:0}.guide-aside{border:1px solid var(--line);box-shadow:var(--shadow);background:#fff;border-radius:24px;padding:36px;position:sticky;top:30px}.guide-aside h2{margin-bottom:18px;font-size:34px}.guide-aside>p:not(.eyebrow):not(.guide-disclaimer){color:var(--muted);font-size:14px}.guide-aside .button{width:100%;margin:14px 0 10px}.guide-aside .guide-disclaimer{border-top:1px solid var(--line);color:#81827e;margin:28px 0 0;padding-top:22px;font-size:10px;line-height:1.55}.legal-section{background:var(--cream)}.legal-content{border:1px solid var(--line);max-width:900px;box-shadow:var(--shadow);background:#fff;border-radius:28px;padding:70px}.legal-content section{border-bottom:1px solid var(--line);margin-bottom:36px;padding-bottom:36px}.legal-content section:last-child{border-bottom:0;margin-bottom:0;padding-bottom:0}.legal-content h2{letter-spacing:-.03em;margin-bottom:16px;font-size:30px}.legal-content p{color:var(--muted);margin-bottom:0}.legal-content a{color:var(--red);font-weight:750}.legal-content-long{max-width:980px}.legal-content section{scroll-margin-top:30px}.legal-intro{border-bottom:2px solid var(--ink);margin-bottom:42px;padding-bottom:42px}.legal-intro>p{color:var(--muted);margin:24px 0 30px;font-size:17px}.legal-badge{color:var(--red);letter-spacing:.1em;text-transform:uppercase;background:#f4e6e7;border-radius:999px;padding:9px 13px;font-size:10px;font-weight:850;display:inline-flex}.legal-index{background:var(--cream);border-radius:18px;padding:28px}.legal-index>b{text-transform:uppercase;letter-spacing:.12em;margin-bottom:16px;font-size:13px;display:block}.legal-index ol{grid-template-columns:1fr 1fr;gap:10px 30px;margin:0;padding-left:22px;display:grid}.legal-index li{color:var(--muted);font-size:13px;line-height:1.45}.legal-index a{color:inherit;font-weight:700}.legal-index a:hover{color:var(--red)}.legal-number{color:var(--red);letter-spacing:.14em;margin-bottom:14px;font-size:11px;font-weight:850;display:block}.legal-content h3{letter-spacing:-.02em;margin:28px 0 12px;font-size:19px}.legal-content p+p{margin-top:18px}.legal-content ul{margin:18px 0 22px;padding:0;list-style:none}.legal-content li{color:var(--muted);padding:7px 0 7px 25px;line-height:1.65;position:relative}.legal-content section>ul li:before{content:"→";color:var(--red);font-weight:900;position:absolute;left:0}.legal-callout{border:1px solid var(--line);background:var(--cream);border-radius:16px;margin-top:28px;padding:24px}.legal-callout b{margin-bottom:8px;font-size:15px;display:block}.legal-callout p{font-size:13px}.legal-callout-red{background:#fbf0f1;border-color:#b91f2e40}.legal-table-wrap{border:1px solid var(--line);border-radius:16px;margin:28px 0;overflow-x:auto}.legal-table{border-collapse:collapse;width:100%;font-size:12px}.legal-table th{background:var(--ink);color:#fff;text-align:left;padding:14px 16px}.legal-table td{border-bottom:1px solid var(--line);color:var(--muted);vertical-align:top;padding:14px 16px;line-height:1.5}.legal-table tr:last-child td{border-bottom:0}.legal-address{background:var(--cream);color:var(--muted);border-radius:16px;margin-top:24px;padding:24px;font-style:normal;line-height:1.75}.legal-address b{color:var(--ink)}.launch-maintenance{background:radial-gradient(circle at 12% 14%,#b91f2e1c,#0000 34%),linear-gradient(135deg,#f8f5ef 0%,#f1ede6 58%,#e8e2d9 100%);min-height:720px;padding:112px 0;position:relative;overflow:hidden}.launch-grid{z-index:2;grid-template-columns:1.08fr .92fr;align-items:center;gap:92px;display:grid;position:relative}.launch-copy{max-width:700px}.launch-status{color:#3f403d;letter-spacing:.08em;text-transform:uppercase;background:#ffffffad;border:1px solid #1112141f;border-radius:999px;align-items:center;gap:10px;width:fit-content;margin-bottom:32px;padding:10px 14px;font-size:11px;font-weight:800;display:inline-flex;box-shadow:0 10px 30px #1c18140d}.launch-status>span{background:var(--red);border-radius:50%;width:8px;height:8px;box-shadow:0 0 0 5px #b91f2e1a}.launch-copy .eyebrow{margin-bottom:20px}.launch-copy h1{letter-spacing:-.04em;max-width:760px;margin-bottom:28px;font-size:clamp(54px,6.2vw,84px);font-weight:720;line-height:.96}.launch-lede{color:#4f504c;max-width:650px;margin-bottom:34px;font-size:18px}.launch-assurance{color:#71726d;margin:28px 0 0;font-size:13px}.launch-assurance a{color:var(--ink);text-underline-offset:4px;font-weight:800;-webkit-text-decoration:underline #b91f2e73;text-decoration:underline #b91f2e73}.launch-support-card{background:var(--ink);color:#fff;border:1px solid #ffffff1c;border-radius:28px;padding:46px;position:relative;box-shadow:0 34px 80px #11121433}.launch-support-card .eyebrow{color:#ffffff80;margin-bottom:14px}.launch-support-card h2{max-width:470px;margin-bottom:34px;font-size:clamp(34px,3.3vw,48px);line-height:1.03}.launch-support-card ul{border-top:1px solid #ffffff21;margin:0;padding:0;list-style:none}.launch-support-card li{border-bottom:1px solid #ffffff21;grid-template-columns:48px 1fr;gap:16px;padding:24px 0;display:grid}.launch-support-card li>span{color:var(--red);letter-spacing:.1em;font-size:11px;font-weight:850}.launch-support-card li b{margin-bottom:5px;font-size:16px;display:block}.launch-support-card li p{color:#ffffff94;margin:0;font-size:13px;line-height:1.55}.launch-support-card small{color:#fff6;margin-top:24px;font-size:10px;line-height:1.55;display:block}.launch-mark{width:92px;height:92px;position:absolute;top:-36px;right:38px}.launch-mark span{border:1px solid #b91f2ebf;border-radius:50%;position:absolute;inset:0}.launch-mark span:nth-child(2){border-color:#ffffff52;inset:15px}.launch-mark i{background:var(--red);border-radius:50%;width:14px;height:14px;position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);box-shadow:0 0 0 7px #b91f2e29}.launch-orbit{z-index:1;border:1px solid #11121414;border-radius:50%;position:absolute}.launch-orbit-one{width:560px;height:560px;bottom:-300px;left:-310px;box-shadow:0 0 0 80px #11121405,0 0 0 160px #11121403}.launch-orbit-two{border-color:#b91f2e29;width:240px;height:240px;top:40px;right:-120px;box-shadow:0 0 0 58px #b91f2e06}@media (width<=1020px){.desktop-nav,.nav-actions{display:none}.mobile-menu{display:block}.goal-grid,.program-grid{grid-template-columns:repeat(2,1fr)}.goal-card:last-child{grid-column:1/-1;min-height:260px}.split-heading{grid-template-columns:1fr;gap:20px}.process-layout{gap:60px}.nyc-copy{padding:52px}.footer-main{grid-template-columns:1.4fr 1fr 1fr}.footer-address{grid-column:2/4}.option-card-grid{grid-template-columns:repeat(2,1fr)}.story-grid{gap:60px}.founder-led-panel,.brand-story-panel{gap:52px;padding:58px}.value-grid,.number-grid,.about-borrower-grid{grid-template-columns:repeat(2,1fr)}.value-grid article:nth-child(2){border-right:0}.article-grid,.review-platform-grid{grid-template-columns:repeat(2,1fr)}.contact-grid{gap:50px}.calculator-wrap{grid-template-columns:1fr}.calculator-result{min-height:530px}.quote-next-grid,.detail-panel{gap:54px}.lead-form-card{gap:42px;padding:44px}.guide-layout{grid-template-columns:minmax(0,1fr) 320px;gap:50px}.construction-feature-copy{width:78%}.featured-program-grid{grid-template-columns:repeat(2,1fr)}.featured-program-card:first-child{grid-column:1/-1}.refi-buydown-panel{grid-template-columns:1fr;gap:42px}.socal-partner-intro{gap:55px}.socal-service-grid,.socal-step-grid{grid-template-columns:repeat(2,1fr)}.socal-step-grid article:nth-child(2){border-right:0}.socal-step-grid article:nth-child(-n+2){border-bottom:1px solid #ffffff26}.launch-grid{gap:48px}.launch-support-card{padding:38px}}@media (width<=760px){.shell{width:min(100% - 32px,1180px)}.topline-inner{min-height:32px}.topline-inner>p,.topline-inner span,.topline-inner .topline-meta{display:none}.topline-inner{justify-content:center;min-height:44px}.topline-promo{text-align:center;font-size:10px}.nav-row{min-height:72px}.brand .brand-wordmark{width:178px}.hero{align-items:flex-end;min-height:760px}.hero-image{object-position:67% top;height:54%;top:auto;bottom:0}.hero-wash{background:linear-gradient(#f7f4ee 0%,#f7f4eefa 45%,#f7f4ee47 72%,#1112141a 100%)}.hero-content{align-self:flex-start;padding-top:70px}.hero-content h1{font-size:clamp(52px,16vw,70px)}.hero-lede{max-width:520px;font-size:17px}.hero-proof{display:none}.credibility-inner{text-align:center;justify-content:center;min-height:70px}.credibility-inner p:not(:first-child){display:none}.section{padding:78px 0}h2{font-size:clamp(39px,12vw,54px)}.goal-grid,.program-grid,.benefit-grid{grid-template-columns:1fr}.goal-card,.goal-card:last-child{grid-column:auto;min-height:280px}.benefit-grid article,.benefit-grid article+article{border-bottom:1px solid #ffffff29;border-right:0;padding:30px 0}.benefit-grid article:last-child{border-bottom:0}.benefit-grid h3{margin-top:20px}.process-layout{grid-template-columns:1fr;gap:50px}.process-intro{position:static}.nyc-panel{grid-template-columns:1fr}.nyc-image-wrap{min-height:400px}.nyc-copy{padding:42px 28px}.ratebuddy-inner,.contact-cta-inner{flex-direction:column;align-items:flex-start}.page-hero{padding:92px 0 82px}.page-hero h1{font-size:clamp(50px,15vw,70px)}.footer-main{grid-template-columns:1fr 1fr;gap:45px 30px}.footer-brand,.footer-address{grid-column:1/-1}.footer-legal{flex-direction:column}.category-heading,.story-grid,.founder-led-panel,.brand-story-panel,.contact-grid,.contact-bottom-inner,.quote-next-grid,.detail-panel,.guide-layout,.personal-loan-panel,.lead-form-card,.socal-partner-intro,.socal-finance-cta,.featured-programs-heading{grid-template-columns:1fr;gap:42px}.category-nav{padding:10px 0}.category-nav .shell{scrollbar-width:thin;scroll-snap-type:x proximity;gap:8px;padding-bottom:3px;display:flex;overflow-x:auto}.category-nav a{white-space:nowrap;scroll-snap-align:start;flex:0 0 174px;min-height:60px;padding:10px 12px}.loan-category{scroll-margin-top:88px}.option-card-grid,.value-grid,.number-grid,.about-borrower-grid,.tool-grid,.article-grid,.field-grid,.calculator-notes{grid-template-columns:1fr}.value-grid article,.value-grid article+article{border-bottom:1px solid #cbc6bd;border-right:0;padding:28px 0}.value-grid article:last-child{border-bottom:0}.story-image{min-height:520px}.founder-led-panel,.brand-story-panel{border-radius:24px;padding:42px 26px}.about-borrower-grid article{min-height:245px}.about-borrower-grid h3{margin-top:52px}.brand-story-icon{width:112px;height:112px;margin-bottom:28px}.brand-story-copy p{font-size:16px}.resource-tools{margin-top:0;padding-top:20px}.tool-card{grid-template-columns:48px 1fr;min-height:260px}.tool-card>b{grid-column:2}.office-card>img{height:310px}.calculator-tabs{grid-template-columns:repeat(3,1fr);gap:7px}.calculator-tabs button{text-align:center;min-height:64px;padding:13px 8px}.calculator-tabs button span{font-size:14px}.calculator-tabs button small{display:none}.calculator-inputs{padding:32px 24px}.calculator-result{min-height:500px;padding:42px 25px}.calc-context,.benefit-cards,.review-standard-grid,.review-platform-grid,.client-review-grid{grid-template-columns:1fr}.benefit-cards article,.review-standard-grid article{min-height:245px}.review-platform-card{min-height:190px}.client-review-card{min-height:245px}.detail-panel,.review-invite{padding:38px 26px}.review-invite{flex-direction:column;align-items:flex-start;gap:28px}.guide-aside{position:static}.legal-content{padding:42px 26px}.legal-index ol{grid-template-columns:1fr}.personal-loan-panel{padding:42px 26px}.featured-programs{margin-top:48px;padding:30px 22px}.featured-programs-heading{gap:18px}.featured-program-grid{grid-template-columns:1fr}.featured-program-card:first-child{grid-column:auto}.featured-program-card{min-height:230px}.refi-buydown-panel{border-radius:24px;margin-top:20px;padding:38px 26px}.refi-buydown-copy h3{font-size:38px}.buydown-timeline.two-stage,.buydown-timeline.three-stage{grid-template-columns:1fr}.buydown-timeline>div{padding:16px 0}.buydown-timeline>div+div{border-top:1px solid #ffffff24;border-left:0}.buydown-timeline span{min-height:auto}.construction-partner-feature{align-items:flex-end;min-height:650px}.construction-feature-image{object-position:66% center}.construction-feature-shade{background:linear-gradient(#0a0b0d29 0%,#0a0b0de6 48%,#0a0b0dfc 100%)}.construction-feature-copy{width:100%;padding:150px 26px 36px}.construction-feature-copy h3{font-size:40px}.construction-feature-copy .button{width:100%}.construction-feature-partner{width:90px;height:90px;top:22px;right:22px}.construction-loan-callout{grid-template-columns:74px 1fr;padding:26px 22px}.construction-loan-callout>img{width:70px;height:70px}.construction-loan-callout .button{grid-column:1/-1;width:100%}.socal-hero{align-items:flex-end;min-height:760px}.socal-hero-image{object-position:70% center}.socal-hero-shade{background:linear-gradient(#090a0c38 0%,#090a0cdb 52%,#090a0cfc 100%)}.socal-hero-content{padding-top:180px;padding-bottom:62px}.socal-hero-content h1{font-size:clamp(48px,14vw,66px)}.socal-hero-content .button{width:100%}.socal-service-grid,.socal-step-grid{grid-template-columns:1fr}.socal-step-grid article,.socal-step-grid article+article{border-bottom:1px solid #ffffff26;border-right:0;min-height:auto;padding:28px 0}.socal-step-grid article:last-child{border-bottom:0}.socal-step-grid h3{margin-top:24px}.socal-finance-cta{padding:38px 26px}.lead-form-card{padding:36px 24px}.lead-form-grid{grid-template-columns:1fr}.full-field{grid-column:auto}.launch-maintenance{min-height:auto;padding:88px 0}.launch-grid{grid-template-columns:1fr;gap:72px}.launch-copy h1{font-size:clamp(50px,14vw,68px)}.launch-support-card{padding:40px 26px 32px}.launch-mark{width:78px;height:78px;right:24px}}@media (width<=470px){.hero-content .button{width:100%}.hero-content h1{font-size:50px}.program-grid{gap:12px}.footer-main{grid-template-columns:1fr}.footer-main>div{grid-column:auto}.launch-copy .button{width:100%}.launch-status{font-size:9px}}