:root{--navy:#021a3c;--navy2:#0a2d5e;--gold:#c9a24a;--gold2:#e0bd6a;--ink:#1d2433;--mut:#5b6476;--bg:#f5f7fb}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--ink);line-height:1.6}
a{color:inherit}.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
h1,h2{font-family:"Playfair Display",Georgia,serif;line-height:1.15;margin:.2em 0 .5em}h2{font-size:clamp(1.8rem,3.5vw,2.6rem);color:var(--navy)}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;font-weight:600;color:var(--gold2);margin:0}.eyebrow.dark{color:var(--gold)}
.btn{display:inline-block;padding:.65em 1.2em;border-radius:999px;font-weight:600;text-decoration:none;border:2px solid transparent;transition:.2s;cursor:pointer;font-size:.95rem;white-space:nowrap}
.btn-lg{padding:.85em 1.6em;font-size:1.05rem}.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:var(--gold2);transform:translateY(-2px)}
.btn-navy{background:var(--navy);color:#fff}.btn-light{background:#fff;color:var(--navy)}.btn-outline{border-color:#fff8;color:#fff}.btn-outline:hover{background:#fff1}
.btn-ghost{border-color:var(--navy);color:var(--navy)}
.site-header{position:sticky;top:0;z-index:50;background:#fffffff2;backdrop-filter:blur(8px);box-shadow:0 1px 12px #0001}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px}.brand img{height:54px;display:block}
nav{display:flex;align-items:center;gap:22px}nav>a:not(.btn){text-decoration:none;font-weight:500;color:var(--navy)}nav>a:not(.btn):hover{color:var(--gold)}
.menu-toggle{display:none;background:none;border:0;font-size:1.8rem;color:var(--navy);cursor:pointer}
.hero{background:radial-gradient(circle at 80% 20%,#123a73 0,transparent 55%),linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:110px 0 120px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;bottom:-160px;width:520px;height:520px;border:60px solid #c9a24a22;border-radius:50%}
.hero h1{font-size:clamp(2.6rem,6vw,4.6rem)}.hero h1 span{color:var(--gold2)}.lead{font-size:1.2rem;max-width:620px;opacity:.9}
.ctas{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px}
.section{padding:90px 0}.alt{background:var(--bg)}
.grid.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:30px}
.card{background:#fff;border:1px solid #e6e9f0;border-radius:16px;padding:26px;transition:.25s}.card:hover{transform:translateY(-4px);box-shadow:0 14px 30px #021a3c1a;border-color:var(--gold)}
.card h3{margin:.4em 0 .3em;color:var(--navy)}.card p{margin:0;color:var(--mut);font-size:.95rem}.ic{font-size:1.8rem}
.card-cta{background:var(--navy);color:#fff}.card-cta h3{color:#fff}.card-cta p{color:#cfd7e6;margin-bottom:14px}
.about{display:grid;grid-template-columns:1.2fr 1fr;gap:60px;align-items:center}.about p{color:var(--mut);font-size:1.05rem}
.about-card{background:#fff;border-radius:20px;padding:40px;box-shadow:0 20px 50px #021a3c1f;text-align:center;border-top:6px solid var(--gold)}
.about-card img{max-width:260px;width:100%}.quote{font-family:"Playfair Display",serif;font-size:1.6rem;color:var(--navy)}.sig{color:var(--gold);font-weight:600}
.steps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:s;margin-top:30px}
.steps li{position:relative;padding:28px;border-radius:16px;background:var(--bg)}.steps span{display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--gold2);font-weight:700;font-size:1.2rem}
.steps h3{color:var(--navy);margin:.6em 0 .2em}.steps p{margin:0;color:var(--mut)}
.contact{background:var(--navy);color:#fff}.contact h2{color:#fff}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px}
.info{list-style:none;padding:0;display:flex;gap:40px;flex-wrap:wrap}.info a{color:var(--gold2)}
iframe{width:100%;height:280px;border:0;border-radius:16px;margin-top:28px}
.form{background:#fff;color:var(--ink);border-radius:20px;padding:32px;display:flex;flex-direction:column;gap:14px}.form h3{margin:0;color:var(--navy);font-size:1.4rem}
.form label{display:flex;flex-direction:column;font-weight:500;font-size:.9rem;gap:6px}
.form input,.form select,.form textarea{font:inherit;padding:.7em .9em;border:1px solid #d5dae4;border-radius:10px}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--gold);border-color:transparent}
.small{font-size:.85rem;color:var(--mut);margin:0}.ok{color:#a06d00}
.footer{background:#010f24;color:#aeb8cb;padding:40px 0;text-align:center}.foot img{height:56px;background:#fff;padding:10px 18px;border-radius:12px;box-shadow:0 6px 18px #0004;box-sizing:content-box}.footer .small{color:#7f8aa0}
@media(max-width:960px){.grid.cards{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.about,.contact-grid{grid-template-columns:1fr}}
@media(max-width:820px){.menu-toggle{display:block}nav{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;flex-direction:column;padding:20px;box-shadow:0 10px 20px #0002}nav.open{display:flex}
.brand img{height:42px}.hero{padding:70px 0 80px}.section{padding:64px 0}}
@media(max-width:520px){.grid.cards,.steps{grid-template-columns:1fr}.ctas .btn{flex:1;text-align:center}}
.mobile-apply{display:none}@media(max-width:820px){.mobile-apply{display:inline-block;margin-left:auto;margin-right:10px;padding:.5em 1em}}
.nmls{font-size:.85rem;color:var(--mut);font-weight:500}.nmls-line{color:#dfe5f0;font-weight:500}.nmls-line a{color:var(--gold2)}
.ehl{display:inline-flex;align-items:center;gap:10px;color:#dfe5f0;font-weight:600;margin:4px 0 10px}
/* Fix: decorative hero ring was covering hero buttons on mobile */
.hero:after{pointer-events:none;z-index:0}.hero-inner{position:relative;z-index:1}
.site-header{-webkit-backdrop-filter:blur(8px)}.menu-toggle,.btn,nav a{touch-action:manipulation;-webkit-tap-highlight-color:transparent;cursor:pointer}
section[id]{scroll-margin-top:84px}
#apply{scroll-margin-top:96px}