:root{--ink:#17252b;--ink-deep:#183e49;--paper:#ffffff;--muted:#52626a;--line:#dce4e8;--lime:#8aafbf;--sand:#e4ecf0}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:34px}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button,a,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,summary:focus-visible{outline:3px solid #317581;outline-offset:6px}img{display:block;max-width:100%}p{line-height:1.65}h1,h2,h3,p{margin-top:0}h1,h2{font-family:Georgia,'Times New Roman',serif;font-weight:400;letter-spacing:-2.5px}h2{font-size:clamp(36px,3.5vw,52px);line-height:1.13;margin-bottom:24px}h3{font-weight:500;letter-spacing:-.55px}section[id]{scroll-margin-top:32px}.wrap{width:min(1240px,calc(100% - 96px));margin-inline:auto}.draft-bar{display:flex;align-items:center;justify-content:center;gap:11px;background:var(--ink);color:var(--paper);font-size:10px;letter-spacing:1.6px;min-height:32px;padding:9px 18px}.draft-bar>span:last-child{letter-spacing:.3px;opacity:.8}.draft-dot{width:5px;height:5px;background:var(--lime);border-radius:50%}.draft-divider{opacity:.4;margin:0 3px}.site-header{border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;min-height:113px}.brand{display:flex;gap:9px;align-items:center}.brand>svg{width:40px;height:40px}.brand strong{font-family:Georgia,serif;font-size:32px;letter-spacing:4px;font-weight:400;line-height:1}.brand small{display:block;font-size:8.2px;letter-spacing:2.1px;margin-top:5px}.desktop-nav{display:flex;gap:34px;font-size:13px}.desktop-nav a{padding:10px 0}.desktop-nav a:hover,.text-link:hover{text-decoration:underline;text-underline-offset:5px}.button{display:inline-flex;justify-content:space-between;gap:38px;align-items:center;border:1px solid var(--ink);background:var(--ink);color:white;padding:19px 24px;font-size:14px;font-weight:500;min-height:56px;transition:background .2s,transform .2s}.button:hover{background:#255b66;transform:translateY(-2px)}.button span{font-size:19px;line-height:1}.button.small{padding:14px 18px;min-height:48px;font-size:12px;gap:25px}.hero{display:grid;grid-template-columns:1.02fr 1fr;gap:38px;padding:56px 0 62px;align-items:center}.eyebrow{font-size:10px;font-weight:600;letter-spacing:2.3px;line-height:1.6;margin-bottom:26px;display:flex;align-items:center;gap:9px}.eyebrow>span{width:6px;height:6px;background:var(--ink);border-radius:50%}h1{font-size:clamp(45px,4.45vw,65px);line-height:1.08;margin-bottom:28px;letter-spacing:-3px}h1 em{font-weight:400;color:#317581}.hero-lede{max-width:455px;font-size:16px;color:var(--muted);margin-bottom:30px}.hero-actions{display:flex;align-items:center;flex-wrap:wrap;gap:24px}.text-link{display:inline-flex;gap:20px;align-items:center;font-size:13px;line-height:1.5}.text-link>span{font-size:18px}.hero-note{display:flex;align-items:center;gap:15px;font-size:11px;color:var(--muted);line-height:1.7;margin-top:47px}.hero-note strong{font-weight:400;color:var(--ink)}.line-icon{display:grid;place-items:center;border:1px solid #d3e0e6;width:37px;height:37px;font-size:20px;border-radius:50%}.hero-art{position:relative;isolation:isolate;overflow:hidden;align-self:stretch;min-height:565px;background:#d8e7ee}.hero-art>img{width:100%;height:100%;position:absolute;inset:0;object-fit:cover}.art-top{position:absolute;top:24px;left:25px;font-size:8px;letter-spacing:1.6px;display:flex;align-items:center;gap:7px}.tiny-square{display:block;width:6px;height:6px;border:1px solid var(--ink)}.art-card{position:absolute;bottom:42px;left:26px;right:26px;background:#fffffff2;backdrop-filter:blur(10px);display:flex;align-items:center;gap:16px;padding:22px 20px}.art-card-icon{display:grid;place-items:center;background:#e4eef3;width:47px;height:54px;flex-shrink:0}.art-card-icon svg{width:27px;fill:none;stroke:var(--ink);stroke-width:1.4}.art-card small{font-size:8px;letter-spacing:1.5px}.art-card p{font-family:Georgia,serif;font-size:23px;line-height:1.12;margin:7px 0 0}.card-arrow{margin-left:auto;align-self:flex-start;font-size:23px}.illustration-label{position:absolute;bottom:8px;right:15px;font-size:8px;letter-spacing:.35px;margin:0;color:#384f5b}.intro-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.strip-inner{display:flex;justify-content:space-between;align-items:center;gap:24px;padding-block:29px}.strip-inner p{margin:0;font-size:13px;line-height:1.5}.strip-inner strong{font-weight:500}.strip-inner>span{font-size:9px;letter-spacing:1.3px;display:flex;align-items:center;gap:12px}.strip-inner>span:before{content:'✧';font-size:24px;line-height:1;color:#317581}.section{padding-top:99px;padding-bottom:99px}.section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:50px;margin-bottom:37px}.section-heading h2{margin:0}.section-heading .eyebrow{margin-bottom:19px}.section-heading>p{max-width:315px;color:var(--muted);font-size:14px;margin-bottom:4px}.financing-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.option-card{border:1px solid var(--line);padding:35px;background:#f5f8fa}.option-card:nth-child(2){background:#edf4f7}.option-top{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:34px}.option-number{font-size:9px;letter-spacing:1.6px}.option-top svg{width:42px;height:42px;stroke:var(--ink);stroke-width:1.4;fill:none}.option-card h3{font-size:25px;margin-bottom:16px}.option-card p{max-width:420px;font-size:14px;color:var(--muted);margin-bottom:28px}.option-card .text-link{border-top:1px solid #d1dfe6;padding-top:21px;width:100%;justify-content:space-between}.dscr-section{background:#edf4f7;padding:80px 0}.dscr-grid{display:grid;grid-template-columns:1fr 1fr;gap:12%;align-items:center}.dscr-grid>div>p:not(.eyebrow){font-size:14px;max-width:440px;color:var(--muted)}.dscr-grid .text-link{margin-top:15px}.ratio-card{background:var(--paper);border:1px solid #d6e3e9;padding:30px 34px 26px;box-shadow:14px 14px 0 #dce9ef}.ratio-header{display:flex;justify-content:space-between;align-items:center;font-size:9px;letter-spacing:1.7px}.ratio-formula{padding-top:35px;text-align:center}.ratio-formula>span{font-family:Georgia,serif;font-size:27px;line-height:1.25}.ratio-rule{position:relative;height:1px;background:var(--line);margin:23px 0}.ratio-rule span{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);background:var(--paper);padding:0 14px;font-size:26px}.ratio-result{display:flex;align-items:center;justify-content:center;gap:21px;background:var(--lime);margin-top:30px;padding:20px 12px}.ratio-result>span{font-size:26px}.ratio-result p{margin:0;font-family:Georgia,serif;font-size:27px;line-height:1.1;letter-spacing:-.5px}.ratio-footnote{font-size:10px!important;line-height:1.6;margin:19px 0 0;max-width:none!important}.steps{list-style:none;padding:0;margin:48px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:40px}.step-number{display:block;font-size:10px;letter-spacing:1px;border-bottom:1px solid #bfd3dc;padding-bottom:21px;margin-bottom:24px;position:relative}.step-number:after{content:'↗';font-size:19px;position:absolute;right:0;bottom:14px}.steps h3{font-size:21px;line-height:1.3;margin-bottom:15px}.steps p{font-size:13px;color:var(--muted);max-width:325px;margin:0}.joe-section{display:grid;grid-template-columns:.82fr 1.18fr;background:#f0f5f8;gap:8%;align-items:center;padding:45px 70px}.joe-monogram{padding:0;max-width:310px}.monogram-frame{aspect-ratio:1/1;display:flex;flex-direction:column;align-items:center;justify-content:center;position:relative;border:1px solid #a4bdc9;background:repeating-linear-gradient(0deg,transparent,transparent 27px,#d5e5ed1a 28px);outline:1px solid #d0dfe6;outline-offset:-13px}.monogram-frame:before,.monogram-frame:after{content:'';position:absolute;width:30%;height:1px;background:#a4bdc9;top:50%;transform:rotate(-45deg)}.monogram-frame:before{left:0}.monogram-frame:after{right:0}.monogram-frame>span{font-family:Georgia,serif;font-size:92px;letter-spacing:-8px;padding-right:8px;font-weight:400;line-height:1.1}.monogram-frame small{font-size:7px;letter-spacing:2px;text-align:center;line-height:1.9;margin-top:17px}.joe-copy .eyebrow{margin-bottom:18px}.joe-copy h2{margin-bottom:10px}.joe-company{font-size:12px;color:var(--muted);margin-bottom:23px}.joe-copy>p:not(.eyebrow):not(.joe-company){font-size:14px;color:var(--muted);max-width:485px}.joe-copy .text-link{margin-top:12px}.faq-section{display:grid;grid-template-columns:.85fr 1.15fr;gap:8%}.faq-section h2{font-size:42px}.faq-section .eyebrow{margin-bottom:21px}.faq-list{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line)}summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:20px;padding:23px 0;font-size:14px;line-height:1.5}summary::-webkit-details-marker{display:none}summary>span{font-size:23px;line-height:1;font-weight:300}details[open] summary>span{transform:rotate(45deg)}details p{font-size:13px;color:var(--muted);margin:0 25px 22px 0}.quote-section{display:grid;grid-template-columns:1.15fr .85fr;gap:9%;padding:59px 67px;background:var(--ink);color:var(--paper);position:relative;overflow:hidden}.quote-section:before{content:'';position:absolute;border:1px solid #ffffff12;width:420px;height:420px;border-radius:50%;bottom:-315px;left:35%}.quote-copy .eyebrow{color:var(--lime);margin-bottom:23px}.quote-copy h2{font-size:54px;line-height:1.05;margin-bottom:21px}.quote-copy>p:last-child{color:#edf5f8;font-size:14px;max-width:365px;margin:0}.quote-contact{display:flex;flex-direction:column;align-items:stretch;justify-content:center;position:relative}.contact-label{font-size:9px;letter-spacing:1.7px;margin-bottom:18px;color:#edf5f8}.button.light{background:var(--lime);color:var(--ink);border:1px solid var(--lime);font-size:14px}.button.light:hover{background:#e7f1f6}.contact-phone{font-size:21px;letter-spacing:.3px;margin-top:24px;display:flex;justify-content:space-between;align-items:center}.contact-email{font-size:13px;margin-top:12px;color:#edf5f8}.contact-phone:hover,.contact-email:hover{text-decoration:underline;text-underline-offset:4px}.contact-note{font-size:10px;line-height:1.65;margin:20px 0 0;color:#e1edf2}.footer{padding-top:58px;padding-bottom:35px}.footer-top{display:flex;justify-content:space-between;align-items:center;padding-bottom:24px}.footer-wordmark{font-family:Georgia,serif;font-size:23px;letter-spacing:2.5px}.footer-wordmark span{font-family:Arial,sans-serif;display:block;font-size:9px;letter-spacing:.2px;margin-top:7px}.back-top{font-size:10px}.footer-bottom{border-top:1px solid var(--line);padding-top:21px;display:flex;justify-content:space-between;gap:70px;color:var(--muted)}.footer-bottom p{font-size:9px;line-height:1.7;margin:0}.footer-bottom p:first-child{max-width:690px}.footer-bottom p:last-child{text-align:right;flex-shrink:0}.footer-bottom p:last-child span{opacity:.7}.skip{position:absolute;z-index:10;left:10px;top:-100px;padding:12px;background:var(--paper);border:1px solid var(--ink)}.skip:focus{top:10px}
@media(min-width:1550px){h1{font-size:66px}}@media(max-width:1100px){.wrap{width:calc(100% - 64px)}.desktop-nav{gap:22px}.hero{gap:25px}.hero-art{min-height:540px}.hero-actions{gap:18px}.hero-actions .button{gap:22px;padding:17px 18px}.hero-actions .text-link{font-size:12px;gap:12px}.strip-inner>span{font-size:8px;letter-spacing:.8px;gap:7px}.dscr-grid{gap:7%}.joe-section{padding:38px 50px}.quote-section{padding:50px 50px}.quote-copy h2{font-size:48px}.section{padding-block:80px}.faq-section h2{font-size:38px}}
@media(max-width:820px){.desktop-nav{display:none}.header-inner{min-height:92px}.hero{grid-template-columns:1fr 1fr;gap:24px;padding-block:38px}.hero .eyebrow{font-size:8px;letter-spacing:1.5px;margin-bottom:21px}h1{font-size:43px;letter-spacing:-2px}.hero-lede{font-size:14px}.hero-art{min-height:540px}.hero-actions{align-items:flex-start;flex-direction:column}.hero-note{margin-top:30px}.art-card{left:14px;right:14px;padding:16px 13px;gap:9px;bottom:31px}.art-card p{font-size:19px}.art-card small{font-size:6px}.art-card-icon{width:35px;height:45px}.art-top{left:18px;font-size:6px;letter-spacing:1px}.strip-inner{flex-wrap:wrap;justify-content:flex-start;gap:25px}.strip-inner p{width:100%;font-size:12px}.strip-inner p br{display:none}.strip-inner>span{font-size:8px}.section-heading{gap:28px}.section-heading>p{max-width:250px;font-size:13px}h2{font-size:38px;letter-spacing:-1.7px}.option-card{padding:26px}.option-card h3{font-size:22px}.option-card p{font-size:13px}.dscr-grid{gap:6%}.ratio-card{padding:25px 23px}.ratio-formula>span{font-size:23px}.ratio-result p{font-size:25px}.steps{gap:25px}.steps h3{font-size:19px}.joe-section{padding:35px;gap:6%}.monogram-frame>span{font-size:75px}.joe-copy .eyebrow{font-size:8px;letter-spacing:1.7px}.joe-copy h2{font-size:36px}.faq-section{grid-template-columns:1fr;gap:27px}.faq-section h2{font-size:38px}.quote-section{padding:42px 35px;gap:7%}.quote-copy h2{font-size:44px}.quote-copy .eyebrow{font-size:8px}.quote-contact .contact-label{font-size:8px}.contact-phone{font-size:19px}.footer-bottom{gap:35px}.footer-bottom p:last-child{flex-shrink:1;min-width:150px}}
@media(max-width:620px){.wrap{width:calc(100% - 40px)}.draft-bar{font-size:8px;min-height:29px;gap:8px;letter-spacing:1.3px}.header-inner{min-height:88px;gap:12px}.brand{gap:5px}.brand strong{font-size:25px;letter-spacing:2.8px}.brand small{font-size:6.2px;letter-spacing:1.5px}.brand>svg{width:31px;height:34px}.button.small{font-size:10px;gap:12px;padding:11px 12px;min-height:42px}.hero{grid-template-columns:1fr;gap:34px;padding-top:38px;padding-bottom:37px}.hero .eyebrow{font-size:9px;letter-spacing:1.7px}.hero-copy{padding-inline:0}h1{font-size:clamp(41px,10.9vw,60px);letter-spacing:-2.5px;line-height:1.04;margin-bottom:23px}.hero-lede{font-size:14px;max-width:435px;margin-bottom:26px}.hero-actions{flex-direction:row;align-items:center;gap:20px}.hero-actions .button{font-size:12px;min-height:52px;padding:16px 18px;gap:24px}.hero-actions .text-link{font-size:11px;gap:9px}.hero-note{margin-top:27px;font-size:10px;gap:12px}.line-icon{width:31px;height:31px;font-size:17px}.hero-art{height:425px;min-height:0}.hero-art>img{object-position:center 51%}.art-top{font-size:7px;left:20px;top:21px}.art-card{left:19px;right:19px;bottom:32px;padding:16px 18px;gap:15px}.art-card-icon{width:41px;height:48px}.art-card small{font-size:7px}.art-card p{font-size:22px}.strip-inner{padding-block:25px;gap:17px 22px;display:grid;grid-template-columns:1fr 1fr}.strip-inner p{grid-column:1/-1;margin-bottom:3px;font-size:13px}.strip-inner>span{font-size:7px;letter-spacing:.7px;gap:8px;line-height:1.5}.strip-inner>span:last-child{grid-column:1/-1}.strip-inner>span:before{font-size:19px}.section{padding-block:62px}.section-heading{display:block;margin-bottom:28px}.section-heading>p{max-width:360px;margin-top:23px;font-size:13px}.eyebrow{font-size:9px;letter-spacing:1.8px;margin-bottom:20px}h2{font-size:37px;letter-spacing:-1.7px;line-height:1.13}.section-heading h2 br{display:none}.financing-grid{grid-template-columns:1fr;gap:17px}.option-card{padding:26px}.option-top{margin-bottom:28px}.option-card h3{font-size:23px}.option-card p{font-size:13px}.option-card .text-link{font-size:12px}.dscr-section{padding-block:54px}.dscr-grid{grid-template-columns:1fr;gap:32px}.dscr-grid>div>p:not(.eyebrow){font-size:13px;max-width:none}.ratio-card{margin-right:10px;padding:26px 26px 22px;box-shadow:10px 10px 0 #dce9ef}.ratio-formula{padding-top:28px}.ratio-formula>span{font-size:26px}.ratio-result p{font-size:27px}.steps{grid-template-columns:1fr;gap:29px;margin-top:33px}.step-number{padding-bottom:15px;margin-bottom:19px}.step-number:after{bottom:10px}.steps h3{font-size:22px;margin-bottom:11px}.steps p{max-width:none;font-size:13px}.joe-section{grid-template-columns:1fr;padding:29px;gap:30px}.joe-monogram{max-width:190px;justify-self:center;width:100%}.monogram-frame>span{font-size:70px}.monogram-frame small{font-size:6px}.joe-copy .eyebrow{font-size:8px}.joe-copy h2{font-size:38px}.joe-copy>p:not(.eyebrow):not(.joe-company){font-size:13px}.joe-copy .text-link{font-size:12px}.faq-section{gap:13px}.faq-section h2{font-size:37px}.faq-list summary{font-size:13px;gap:20px;padding:22px 0}.faq-list p{font-size:12px}.quote-section{grid-template-columns:1fr;padding:36px 27px;gap:34px}.quote-copy h2{font-size:47px}.quote-copy .eyebrow{font-size:8px;letter-spacing:1.4px}.quote-copy>p:last-child{font-size:13px}.quote-contact{border-top:1px solid #ffffff25;padding-top:26px}.contact-phone{font-size:22px;margin-top:24px}.contact-label{font-size:8px}.contact-note{max-width:360px}.footer{padding-top:38px;padding-bottom:28px}.footer-bottom{flex-direction:column;gap:18px}.footer-bottom p:last-child{text-align:left}.footer-bottom p{font-size:9px}.footer-wordmark{font-size:22px}.footer-wordmark span{font-size:8px}.back-top{font-size:9px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}.button:hover{transform:none}}

/* Verified Falcon brand: teal #317581, light blue #8aafbf, black and white. */
:root{--brand:#317581;--brand-light:#8aafbf}
.draft-bar,.button,.quote-section{background:var(--brand)}
.button{border-color:var(--brand)}
.button:hover{background:#255b66}
.draft-dot{background:white}
.brand{display:block;flex-shrink:0;width:245px}
.brand>img{width:100%;height:auto}
.footer-wordmark{display:block;width:225px}
.footer-wordmark>img{width:100%;height:auto}
.quote-copy .eyebrow{color:white}
.button.light{background:white;border-color:white;color:#255b66}
.button.light:hover{background:#e7f1f6}
.ratio-result{background:#dceaf0}
.art-card-icon{color:var(--brand)}
.eyebrow>span{background:var(--brand)}
@media(max-width:820px){.brand{width:220px}}
@media(max-width:620px){.brand{width:clamp(142px,45vw,190px)}.footer-wordmark{width:190px}}

/* California licensing information remains plainly visible on all screen sizes. */
.joe-copy .joe-licensing{font-size:12px!important;line-height:1.65;margin:0 0 22px;color:var(--muted)}
.joe-licensing a,.contact-licensing a,.license-disclosure a{text-decoration:underline;text-underline-offset:3px}
.contact-licensing{font-size:12px;line-height:1.65;margin:0 0 22px;color:white}
.quote-contact .contact-label{margin-bottom:10px}
.license-disclosure{display:grid;grid-template-columns:1fr 1fr;gap:30px;padding:27px 0;border-top:1px solid var(--line)}
.license-disclosure h3{font-family:Arial,Helvetica,sans-serif;font-size:13px;font-weight:600;letter-spacing:0;line-height:1.6;margin:0 0 5px}
.license-disclosure p{font-size:12px;line-height:1.7;margin:4px 0;color:var(--muted)}
@media(max-width:620px){.license-disclosure{grid-template-columns:1fr;gap:21px;padding:23px 0}.license-disclosure h3{font-size:13px}.license-disclosure p,.contact-licensing,.joe-copy .joe-licensing{font-size:12px!important}}

/* User-confirmed business-purpose service-area policy. */
.service-area{display:grid;grid-template-columns:.75fr 1.25fr;gap:50px;align-items:start;margin-top:55px;padding:35px;border:1px solid var(--line);background:white}
.service-area .eyebrow{margin-bottom:13px}
.service-area h2{font-size:39px;letter-spacing:-1.5px;margin-bottom:12px;color:var(--brand)}
.service-status{display:inline-block;font-size:11px;line-height:1.4;padding:7px 10px;background:#e8f1f5;color:#255b66;margin:0}
.service-description{font-size:14px;color:var(--muted);margin:0 0 16px}
.service-area-details h3{font-size:13px;font-weight:600;line-height:1.5;letter-spacing:0;margin:0 0 13px}
.excluded-locations{display:grid;grid-template-columns:repeat(3,1fr);gap:10px 18px;list-style:none;padding:0;margin:0;color:var(--muted);font-size:12px;line-height:1.6}
.excluded-locations li{border-bottom:1px solid var(--line);padding-bottom:7px}
.faq-list p a{text-decoration:underline;text-underline-offset:3px}
@media(max-width:820px){.service-area{gap:30px}.excluded-locations{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.service-area{grid-template-columns:1fr;gap:25px;margin-top:34px;padding:26px}.service-area h2{font-size:35px}.service-description{font-size:13px}.excluded-locations{font-size:12px}}

.state-licensing{border-top:1px solid var(--line);margin-top:23px;padding-top:19px}
.state-licensing h3{font-size:14px;font-weight:600;letter-spacing:0;line-height:1.5;margin:0 0 13px}
.state-licensing p{font-size:12px;line-height:1.7;color:var(--muted);margin:0 0 14px}
.state-licensing p:last-child{margin-bottom:0}
.state-licensing strong{font-weight:600;color:var(--ink)}
.state-licensing a{text-decoration:underline;text-underline-offset:3px}

/* Neutral loan-availability overview, followed by California-specific disclosures. */
.service-area{display:block}
.service-area h2{margin-bottom:19px}
.service-area .service-description{max-width:none;margin-bottom:23px}
.service-area .excluded-locations{max-width:780px;grid-template-columns:repeat(3,1fr)}
.service-area .state-licensing{margin-top:29px;padding-top:23px}
.state-license-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px}
.state-license-grid p{margin-bottom:0}
@media(max-width:620px){.service-area .excluded-locations{grid-template-columns:repeat(2,1fr)}.state-license-grid{grid-template-columns:1fr;gap:18px}}

/* Fillable presentation preview; no submitting HTML form or data handler. */
.quote-section{grid-template-columns:.78fr 1.22fr;gap:7%;padding:50px;align-items:start}
.quote-copy .quote-contact{margin-top:35px;padding-top:26px;border-top:1px solid #ffffff35}
.quote-form-panel{background:white;color:var(--ink);padding:29px;position:relative}
.form-kicker{font-size:9px;letter-spacing:1.8px;font-weight:600;color:var(--brand);margin:0 0 11px}
.form-heading h3{font-family:Georgia,'Times New Roman',serif;font-weight:400;font-size:29px;line-height:1.15;letter-spacing:-.8px;margin:0 0 22px}
.preview-notice{background:#edf4f7;border-left:3px solid var(--brand);padding:13px 14px;margin-bottom:22px}
.preview-notice strong{font-size:12px;line-height:1.5}
.preview-notice p{font-size:11px;line-height:1.6;margin:5px 0 0;color:var(--muted)}
.quote-form{scroll-margin-top:28px}
.quote-form:focus{outline:none}
.form-field{margin-bottom:19px}
.form-field label,.purpose-field legend{display:block;font-size:12px;line-height:1.5;font-weight:600;margin-bottom:8px}
.form-field label>span,.purpose-field legend>span{font-weight:400;font-size:10px;color:var(--muted)}
.form-field input{font:inherit;font-size:14px;line-height:1.45;padding:12px 13px;background:white;border:1px solid #a8bfc9;border-radius:0;color:var(--ink);width:100%;min-height:46px;appearance:none;box-shadow:none}
.form-field input::placeholder{color:#64757c;opacity:1}
.form-field input:focus,.consent-field input:focus-visible,.purpose-options input:focus-visible{outline:2px solid var(--brand);outline-offset:3px}
.field-help{font-size:10px;color:var(--muted);line-height:1.6;margin:7px 0 0}
.field-help a{text-decoration:underline;text-underline-offset:2px}
.purpose-field{border:0;margin:0 0 19px;padding:0;min-width:0}
.purpose-field legend{padding:0}
.purpose-options{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.purpose-options label{display:flex;gap:9px;align-items:center;border:1px solid #a8bfc9;padding:13px 11px;min-height:47px;cursor:pointer;font-size:12px}
.purpose-options label:has(input:checked){background:#edf4f7;border-color:var(--brand)}
.purpose-options input,.consent-field input{accent-color:var(--brand);width:16px;height:16px;margin:0;flex-shrink:0}
.amount-input{position:relative}
.amount-input>span{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-size:14px;color:var(--muted)}
.amount-input input{padding-left:29px}
.consent-field{display:flex;gap:10px;align-items:flex-start;margin-top:24px}
.consent-field input{margin-top:2px}
.consent-field label{font-size:11px;line-height:1.6;cursor:pointer}
.consent-note{padding-left:26px;margin-top:6px}
.form-privacy-note{margin:21px 0;border-top:1px solid var(--line);padding-top:15px}
.form-privacy-note p{font-size:10px;line-height:1.6;color:var(--muted);margin:0 0 6px}
.form-submit{width:100%;min-height:49px;font-size:13px}
.form-submit:disabled{background:#e1e8ec;border-color:#d3dde2;color:#52626a;cursor:not-allowed;opacity:1;transform:none}
.form-status{font-size:10px;line-height:1.6;color:var(--muted);margin:10px 0 0}
.form-recipient{font-size:9px;line-height:1.6;color:var(--muted);margin:7px 0 0;overflow-wrap:anywhere}
@media(max-width:1100px){.quote-section{grid-template-columns:.75fr 1.25fr;padding:39px;gap:6%}.quote-form-panel{padding:24px}.form-heading h3{font-size:27px}.quote-copy h2{font-size:43px}}
@media(max-width:820px){.quote-section{grid-template-columns:1fr;padding:36px;gap:35px}.quote-copy .quote-contact{max-width:400px}.quote-copy h2{font-size:46px}.quote-form-panel{padding:29px}.quote-copy>p:last-child{max-width:none}}
@media(max-width:620px){.quote-section{padding:28px 20px;gap:29px}.quote-copy h2{font-size:44px}.quote-form-panel{padding:22px 18px}.form-heading h3{font-size:27px}.form-field input{font-size:16px}.purpose-options{gap:8px}.purpose-options label{padding-inline:9px;font-size:12px}.form-field label,.purpose-field legend{font-size:12px}.preview-notice{padding:12px}.consent-field label{font-size:11px}}
.quote-copy>p:not(.eyebrow){font-size:14px;color:#edf5f8;max-width:380px;line-height:1.65}

/* Small conversion-focused refinements. No change to brand or loan claims. */
.hero-call{font-size:13px!important;white-space:nowrap}
.form-next-step{font-size:14px;line-height:1.65;color:var(--muted);margin:0 0 22px}
.quote-form-panel{scroll-margin-top:24px}
.quote-form-panel:focus{outline:none}
.field-help,.form-privacy-note p,.form-status,.preview-notice p{font-size:13px;line-height:1.65}
.consent-field label{font-size:14px;line-height:1.55}
.form-privacy-note a{text-decoration:underline;text-underline-offset:3px}
.form-field label,.purpose-field legend{font-size:14px}
.form-field label>span,.purpose-field legend>span{font-size:12px}
.form-errors{padding:16px;background:#fff2ee;border:1px solid #ab4a35;color:#743125;font-size:14px;line-height:1.6;margin-bottom:20px}
.form-errors ul{margin:8px 0 0;padding-left:20px}
.form-errors a{text-decoration:underline;text-underline-offset:3px}
[aria-invalid="true"]{outline:2px solid #ab4a35!important;outline-offset:2px}
.form-trap{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap}
.form-submit[disabled]{cursor:not-allowed}
.text-only-bio{grid-template-columns:1.5fr .5fr;margin-bottom:60px;gap:55px}
.text-only-bio .joe-copy>p:not(.eyebrow):not(.joe-company){max-width:none}
.text-only-bio .joe-copy .joe-licensing{margin:22px 0 9px}
.text-only-bio .joe-copy h2{font-size:43px}
.experience-note{border-left:1px solid #b8cbd4;padding-left:32px}
.experience-note>strong{display:block;font-family:Georgia,serif;font-size:82px;line-height:1;letter-spacing:-4px;font-weight:400;color:var(--brand)}
.experience-note>span{display:block;font-size:14px;line-height:1.6;margin-top:12px}
.experience-note>p{font-size:12px;line-height:1.9;color:var(--muted);margin:20px 0 0}
.mobile-contact-bar{display:none}
@media(max-width:820px){.text-only-bio{grid-template-columns:1fr;gap:28px}.experience-note{border-left:0;border-top:1px solid #b8cbd4;padding:25px 0 0;display:flex;align-items:center;gap:25px}.experience-note>strong{font-size:65px}.experience-note>span{margin:0}.experience-note>p{margin:0}.text-only-bio .joe-copy h2{font-size:37px}}
@media(max-width:620px){body{padding-bottom:calc(77px + env(safe-area-inset-bottom,0px))}.mobile-contact-bar{position:fixed;bottom:0;left:0;right:0;z-index:8;display:grid;grid-template-columns:1.15fr .85fr;gap:10px;padding:12px 20px calc(12px + env(safe-area-inset-bottom,0px));background:#fffffff5;border-top:1px solid var(--line);box-shadow:0 -4px 18px #17252b0a}.mobile-contact-bar a{display:flex;align-items:center;justify-content:center;min-height:44px;background:var(--brand);border:1px solid var(--brand);color:white;font-size:14px}.mobile-contact-bar a:last-child{background:white;color:var(--brand)}.text-only-bio{margin-bottom:40px;gap:24px}.experience-note{gap:19px;flex-wrap:wrap}.experience-note>p{width:100%;margin:0}.field-help,.form-privacy-note p,.form-status,.preview-notice p{font-size:13px}.consent-field label{font-size:14px}.form-field label,.purpose-field legend{font-size:14px}.form-field label>span,.purpose-field legend>span{font-size:12px}.quote-form-panel{scroll-margin-bottom:calc(90px + env(safe-area-inset-bottom,0px))}}

.mobile-contact-bar[hidden]{display:none!important}
.privacy-page{padding-bottom:0}.privacy-copy{max-width:850px;padding-top:60px;padding-bottom:60px}.privacy-copy h1{font-size:45px;line-height:1.15;margin-bottom:24px}.privacy-copy h2{font-size:25px;letter-spacing:-.5px;margin:32px 0 14px}.privacy-copy p,.privacy-copy li{font-size:16px;line-height:1.7;color:var(--muted)}.privacy-copy a{text-decoration:underline;text-underline-offset:3px}.privacy-warning{padding:20px;border-left:3px solid var(--brand);background:#edf4f7}.privacy-copy ul{padding-left:24px}@media(max-width:620px){.privacy-copy{padding-top:35px;padding-bottom:35px}.privacy-copy h1{font-size:34px}.privacy-copy p,.privacy-copy li{font-size:15px}}

/* Plain BBB profile link; quote remains the primary header action. */
.header-actions{display:flex;align-items:center;justify-content:flex-end;gap:20px;min-width:0}
.header-bbb{display:inline-flex;align-items:center;min-height:44px;font-size:13px;line-height:1.4;color:var(--brand);text-decoration:underline;text-underline-offset:3px}
.header-actions .button{flex-shrink:0}
@media(max-width:1100px){.desktop-nav{display:none}}
@media(max-width:620px){.header-inner{display:grid;grid-template-columns:minmax(0,1fr);gap:6px;padding-block:14px}.header-inner .brand{width:180px;max-width:100%}.header-actions{width:100%;justify-content:space-between;gap:12px}.header-bbb{font-size:12px;max-width:45%;overflow-wrap:break-word}.header-actions .button.small{padding:12px 14px;font-size:12px;gap:12px;min-height:44px}}
@media(min-width:621px) and (max-width:820px){.header-inner{gap:16px}.header-inner .brand{width:190px}.header-actions{gap:14px}.header-bbb{font-size:12px}.header-actions .button.small{padding:12px 14px;gap:12px}}