/* Marco Home Loans — evergreen, warm ivory, and brass */
:root{--forest:#17483f;--forest-dark:#10372f;--sage:#5b6b63;--gold:#b48b57;--gold-pale:#e5d3b5;--ink:#202725;--muted:#68736f;--paper:#f7f6f1;--white:#fff;--line:#dedfd8;--shadow:0 18px 50px rgba(22,48,42,.10);--serif:Georgia,"Times New Roman",serif;--sans:Arial,Helvetica,sans-serif;--max:1200px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.6}img{max-width:100%;display:block}a{color:inherit}button,input,select{font:inherit}button{cursor:pointer}.container{width:min(var(--max),calc(100% - 48px));margin-inline:auto}.topline{background:var(--forest);color:#f4f1e8;text-align:center;font-size:12px;letter-spacing:.08em;padding:8px 16px}.site-header{position:sticky;top:0;z-index:50;background:rgba(247,246,241,.96);backdrop-filter:blur(16px);border-bottom:1px solid rgba(23,72,63,.12)}.nav-wrap{min-height:92px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:flex;align-items:center;flex:0 0 240px}.brand img{width:240px;height:auto}.nav-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:999px;padding:10px 16px;color:var(--forest);font-weight:700}.site-nav{display:flex;align-items:center;gap:24px}.site-nav>a,.nav-dropdown>summary{font-size:14px;text-decoration:none;font-weight:700;color:#303a36;white-space:nowrap}.site-nav>a:hover,.nav-dropdown>summary:hover{color:var(--forest)}.nav-cta{border-radius:999px;background:var(--forest);color:white!important;padding:12px 18px;box-shadow:0 8px 16px rgba(23,72,63,.12)}.nav-cta:hover{background:var(--forest-dark);color:white!important}.nav-dropdown{position:relative}.nav-dropdown>summary{cursor:pointer;list-style:none;display:flex;align-items:center;gap:6px}.nav-dropdown>summary::-webkit-details-marker{display:none}.nav-dropdown>summary:after{content:"";width:7px;height:7px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg);margin:-4px 0 0 2px}.dropdown-panel{position:absolute;top:calc(100% + 14px);left:-18px;width:245px;padding:10px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);display:grid;gap:2px}.dropdown-panel a{padding:9px 11px;border-radius:9px;text-decoration:none;font-size:14px;color:#34423c}.dropdown-panel a:hover{background:#f3f4ee;color:var(--forest)}.nav-dropdown:not([open]) .dropdown-panel{display:none}.eyebrow{margin:0 0 12px;color:var(--forest);font-size:12px;line-height:1.4;font-weight:800;letter-spacing:.15em;text-transform:uppercase}.eyebrow.light{color:#e8d7b8}h1,h2,h3,p{margin-top:0}h1,h2{font-family:var(--serif);font-weight:500;letter-spacing:-.035em;color:var(--forest-dark);line-height:1.07}h1{font-size:clamp(45px,6.3vw,78px);margin-bottom:22px}h2{font-size:clamp(36px,4.4vw,57px);margin-bottom:18px}h3{font-size:20px;line-height:1.25;color:var(--forest-dark);margin-bottom:10px}p{margin-bottom:16px}.lead{font-size:19px;line-height:1.65;color:#4d5a54;max-width:620px}.small-copy{font-size:14px;color:var(--muted)}.section{padding:92px 0}.section-sm{padding:64px 0}.section-head{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:34px}.section-head h2{max-width:700px;margin-bottom:0}.button-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.button{min-height:50px;display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:999px;padding:0 21px;border:1px solid var(--forest);background:var(--forest);color:#fff;text-decoration:none;font-weight:700;font-size:14px;transition:transform .2s,background .2s,border .2s}.button:hover{background:var(--forest-dark);transform:translateY(-2px)}.button-secondary{background:transparent;color:var(--forest)}.button-secondary:hover{background:#e9eee8;color:var(--forest-dark)}.button-gold{background:var(--gold);border-color:var(--gold);color:#fff}.button-gold:hover{background:#946f40}.text-link{display:inline-flex;align-items:center;gap:8px;color:var(--forest);font-weight:800;text-decoration:none;font-size:14px}.text-link:after{content:"";width:22px;height:1px;background:currentColor;transition:width .2s}.text-link:hover:after{width:32px}.hero{padding:62px 0 74px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center}.hero-copy{padding:24px 0}.hero h1 span{color:var(--gold)}.hero-copy .lead{max-width:575px}.hero-visual{position:relative;min-height:540px;display:flex;align-items:center;justify-content:center}.portrait-frame{position:relative;width:min(100%,440px);height:500px;overflow:hidden;border-radius:230px 230px 28px 28px;background:#e5ddca;box-shadow:var(--shadow)}.portrait-frame:before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,rgba(13,43,36,.62));z-index:1}.portrait-frame img{width:100%;height:100%;object-fit:cover;object-position:center 20%}.portrait-caption{position:absolute;z-index:2;left:26px;right:26px;bottom:24px;color:white}.portrait-caption strong{display:block;font-family:var(--serif);font-size:28px;font-weight:500}.portrait-caption span{font-size:11px;letter-spacing:.13em;text-transform:uppercase}.experience-badge{position:absolute;z-index:3;left:-20px;bottom:68px;width:146px;height:146px;border:1px solid var(--gold);border-radius:50%;background:var(--paper);display:grid;place-content:center;text-align:center;box-shadow:var(--shadow);color:var(--forest)}.experience-badge strong{font-family:var(--serif);font-size:36px;line-height:1}.experience-badge span{font-size:10px;text-transform:uppercase;letter-spacing:.09em;line-height:1.35;margin-top:6px}.hero-note{position:absolute;right:-14px;top:48px;z-index:3;background:#fff;border:1px solid var(--line);padding:13px 17px;border-radius:14px;box-shadow:var(--shadow);font-size:12px;color:var(--sage);letter-spacing:.03em}.hero-note b{display:block;color:var(--forest);font-size:14px}.trust-band{background:#efeee7;border-block:1px solid #e5e2d8}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:22px 0}.trust-item{padding:6px 22px;border-right:1px solid #d8d7cf}.trust-item:first-child{padding-left:0}.trust-item:last-child{border:0}.trust-item strong{display:block;color:var(--forest);font-family:var(--serif);font-size:20px;font-weight:500}.trust-item span{font-size:12px;color:var(--muted)}.intro-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:70px;align-items:start}.intro-aside{border-left:2px solid var(--gold);padding:6px 0 6px 24px;color:var(--muted);font-size:14px}.intro-aside strong{display:block;color:var(--forest);font-size:16px;margin-bottom:5px}.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.tile{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;min-height:230px;transition:transform .2s,box-shadow .2s}.tile:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.tile-number{display:inline-grid;place-items:center;width:34px;height:34px;margin-bottom:24px;border:1px solid var(--gold-pale);border-radius:50%;color:var(--gold);font-size:12px}.tile p{color:var(--muted);font-size:14px;margin-bottom:20px}.tile a{font-size:13px}.band{background:var(--forest);color:#eff1e9}.band h2,.band h3{color:#f9f6ed}.band p{color:#dbe5dc}.band .eyebrow{color:#e4c99d}.band-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:72px;align-items:center}.steps{display:grid;grid-template-columns:repeat(2,1fr);gap:0 28px}.step{border-top:1px solid rgba(255,255,255,.2);padding:20px 0}.step-number{color:#e2c28d;font-family:var(--serif);font-size:15px}.step h3{margin:6px 0;color:#fff;font-size:18px}.step p{font-size:13px;margin:0;color:#d1ded4}.reviews-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.review{position:relative;background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;min-height:198px}.review-mark{color:var(--gold);font-family:var(--serif);font-size:46px;line-height:.7}.review blockquote{margin:15px 0 24px;font-family:var(--serif);font-size:22px;color:#35413b;line-height:1.35}.review figcaption{font-size:12px;font-weight:800;color:var(--forest);letter-spacing:.04em}.review-disclaimer{margin-top:18px;font-size:12px;color:var(--muted)}.cta-panel{background:#ece5d5;border-radius:22px;padding:48px;display:flex;align-items:center;justify-content:space-between;gap:30px}.cta-panel h2{font-size:clamp(32px,4vw,48px);margin-bottom:8px}.cta-panel p{margin:0;color:#5b655e}.page-hero{padding:72px 0 48px;background:#efeee7;border-bottom:1px solid var(--line)}.page-hero-grid{display:grid;grid-template-columns:1fr .8fr;align-items:end;gap:55px}.page-hero h1{font-size:clamp(43px,5.5vw,67px);margin-bottom:12px}.page-hero .lead{font-size:17px;margin:0}.page-hero-art{border-left:1px solid var(--gold);padding:12px 0 12px 24px;color:var(--muted);font-size:14px}.page-hero-art strong{color:var(--forest);font-family:var(--serif);font-size:21px;font-weight:500;display:block;margin-bottom:6px}.bio-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:70px;align-items:start}.bio-photo{position:sticky;top:130px}.bio-photo img{width:100%;max-height:540px;object-fit:cover;object-position:center top;border-radius:180px 180px 20px 20px;background:#e4dfd2}.bio-card{margin-top:-32px;position:relative;width:88%;margin-left:auto;background:var(--forest);border-radius:14px;padding:20px;color:#fff}.bio-card strong{font-family:var(--serif);font-size:20px;font-weight:500;display:block}.bio-card span{font-size:11px;color:#e1d3b9}.bio-copy p{color:#505c56}.values-list{margin-top:30px;display:grid;gap:14px}.value-row{display:grid;grid-template-columns:44px 1fr;gap:15px;padding:17px 0;border-top:1px solid var(--line)}.value-row>span{font-family:var(--serif);color:var(--gold);font-size:19px}.value-row h3{margin-bottom:4px;font-size:17px}.value-row p{margin:0;color:var(--muted);font-size:14px}.program-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.program-card{border:1px solid var(--line);background:#fff;border-radius:16px;padding:24px;min-height:205px;scroll-margin-top:130px}.program-card h3{font-family:var(--serif);font-size:23px;font-weight:500}.program-card p{font-size:14px;color:var(--muted);margin:0}.program-category{margin:42px 0 16px;padding-bottom:11px;border-bottom:1px solid var(--gold-pale);display:flex;justify-content:space-between;align-items:end;gap:20px}.program-category h2{font-size:34px;margin:0}.program-category p{margin:0;color:var(--muted);font-size:13px}.disclaimer-box{background:#eeece4;border-left:3px solid var(--gold);padding:18px 20px;border-radius:0 12px 12px 0;font-size:13px;color:#59635e;margin-top:32px}.rate-feature{background:#fff;border:1px solid var(--line);border-radius:18px;padding:34px;display:grid;grid-template-columns:1.2fr .8fr;gap:35px;align-items:center}.rate-feature .rate-pill{display:inline-block;border-radius:999px;background:#eff1e9;color:var(--forest);padding:9px 13px;font-size:12px;font-weight:800;letter-spacing:.06em;text-transform:uppercase}.rate-feature p{color:var(--muted)}.rate-note{background:var(--forest);border-radius:16px;padding:26px;color:#fff}.rate-note strong{display:block;font-family:var(--serif);font-size:25px;font-weight:500;margin-bottom:8px}.rate-note p{font-size:13px;color:#dce5dd;margin:0}.calc-layout{display:grid;grid-template-columns:1fr .8fr;gap:24px;align-items:stretch}.calc-card,.calc-result{border:1px solid var(--line);border-radius:18px;background:#fff;padding:30px}.calc-card h2{font-size:33px}.calc-fields{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.field label{display:block;font-size:12px;font-weight:800;color:#4a5750;margin-bottom:7px}.input-wrap{position:relative}.input-wrap .prefix,.input-wrap .suffix{position:absolute;top:50%;transform:translateY(-50%);color:var(--muted);font-size:14px}.input-wrap .prefix{left:13px}.input-wrap .suffix{right:13px}.field input{width:100%;border:1px solid #ced3cd;border-radius:10px;padding:13px 14px;color:var(--ink);background:#fff}.field input.has-prefix{padding-left:30px}.field input.has-suffix{padding-right:40px}.field input:focus{outline:3px solid #b9d5c4;border-color:var(--forest)}.calc-result{background:var(--forest);color:white;display:flex;flex-direction:column;justify-content:center}.calc-result .eyebrow{color:#e8d7b8}.calc-result h2{font-size:42px;color:#fff;margin:8px 0}.calc-result p{font-size:13px;color:#dbe5dc}.calc-result hr{width:100%;border:0;border-top:1px solid rgba(255,255,255,.25);margin:22px 0}.calc-result .button{align-self:flex-start;background:var(--gold);border-color:var(--gold)}.calc-disclaimer{font-size:12px;color:var(--muted);margin-top:16px}.contact-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:28px;align-items:stretch}.contact-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px}.contact-list{display:grid;gap:18px;margin-top:25px}.contact-item{display:grid;grid-template-columns:38px 1fr;gap:12px;align-items:start}.contact-icon{width:38px;height:38px;border-radius:50%;background:#eff1e9;display:grid;place-items:center;color:var(--forest);font-family:var(--serif)}.contact-item strong{display:block;font-size:13px;color:var(--forest)}.contact-item a,.contact-item span{color:#5e6963;font-size:14px;text-decoration:none}.map-frame{min-height:440px;border:0;width:100%;height:100%;border-radius:18px;background:#e9e7df}.map-note{margin-top:11px;font-size:12px;color:var(--muted)}.privacy-copy{max-width:820px}.privacy-copy h2{font-size:27px;margin-top:34px}.privacy-copy p{color:#536059}.faq-list{display:grid;gap:12px}.faq-list details{border:1px solid var(--line);border-radius:14px;background:#fff;padding:18px 20px}.faq-list summary{cursor:pointer;color:var(--forest);font-weight:700}.faq-list details p{margin:12px 0 0;color:var(--muted);font-size:14px}.site-footer{background:#122f29;color:#eef1e8;margin-top:40px}.footer-main{padding:60px 0 42px;display:grid;grid-template-columns:1.15fr .8fr .9fr 1fr;gap:38px}.footer-brand img{width:210px;filter:brightness(0) invert(1);opacity:.96;margin-bottom:17px}.footer-brand p{max-width:250px;color:#cbd8ce;font-size:13px}.footer-col h3{font-size:13px;color:#e8d7b8;text-transform:uppercase;letter-spacing:.12em;margin-bottom:15px}.footer-col a{display:block;color:#e6ebe4;text-decoration:none;font-size:13px;margin:8px 0}.footer-col a:hover{color:#e0bd84}.footer-social{display:flex;gap:10px;margin-top:17px}.footer-social a{width:34px;height:34px;margin:0;border:1px solid rgba(255,255,255,.28);border-radius:50%;display:grid;place-items:center}.footer-social svg{width:15px;height:15px;fill:none;stroke:currentColor;stroke-width:1.8}.footer-social .filled{fill:currentColor;stroke:none}.footer-legal{border-top:1px solid rgba(255,255,255,.16);padding:20px 0 26px;color:#c7d2c9;font-size:11px}.footer-legal p{margin:5px 0}.footer-legal a{color:#e9d8b7}.footer-bottom{display:flex;justify-content:space-between;gap:20px;margin-top:15px;padding-top:15px;border-top:1px solid rgba(255,255,255,.12)}.footer-bottom span,.footer-bottom a{font-size:11px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}:focus-visible{outline:3px solid #c7995d;outline-offset:3px}
@media(max-width:1020px){.brand{flex-basis:190px}.brand img{width:190px}.site-nav{gap:15px}.site-nav>a,.nav-dropdown>summary{font-size:13px}.hero-grid{gap:30px}.hero-visual{min-height:470px}.portrait-frame{height:450px}.program-grid{grid-template-columns:repeat(2,1fr)}.footer-main{grid-template-columns:repeat(2,1fr)}}
@media(max-width:760px){.container{width:min(100% - 34px,var(--max))}.nav-wrap{min-height:76px;position:relative}.brand{flex-basis:195px}.brand img{width:195px}.nav-toggle{display:inline-flex;align-items:center;gap:8px}.site-nav{display:none;position:absolute;top:calc(100% + 1px);left:-17px;right:-17px;background:var(--paper);border-bottom:1px solid var(--line);padding:18px 20px 24px;align-items:stretch;gap:5px;box-shadow:0 16px 22px rgba(20,48,42,.08)}.site-nav.is-open{display:flex;flex-direction:column}.site-nav>a{padding:11px 8px;font-size:15px}.site-nav .nav-cta{text-align:center;margin-top:8px}.nav-dropdown>summary{padding:11px 8px;font-size:15px}.dropdown-panel{position:static;width:auto;box-shadow:none;border:0;background:#efeee7;margin:2px 0 8px;padding:8px}.nav-dropdown:not([open]) .dropdown-panel{display:none}.hero{padding:35px 0 52px}.hero-grid{grid-template-columns:1fr;gap:24px}.hero-copy{padding:10px 0 0}.hero h1{max-width:620px}.hero .lead{font-size:17px}.hero-visual{min-height:420px}.portrait-frame{height:410px;width:min(88%,390px)}.experience-badge{left:0;bottom:45px;width:120px;height:120px}.experience-badge strong{font-size:30px}.hero-note{right:0;top:22px}.trust-grid{grid-template-columns:repeat(2,1fr);gap:12px 0;padding:15px 0}.trust-item{padding:8px 14px}.trust-item:nth-child(2){border-right:0}.trust-item:nth-child(3){padding-left:0}.section{padding:66px 0}.section-sm{padding:48px 0}.section-head{display:block}.section-head .text-link{margin-top:18px}.intro-grid,.band-grid,.page-hero-grid,.bio-grid,.rate-feature,.calc-layout,.contact-grid{grid-template-columns:1fr;gap:28px}.intro-aside{margin-top:0}.tiles{grid-template-columns:1fr}.tile{min-height:unset}.band-grid{gap:28px}.steps{gap:0 16px}.reviews-grid{grid-template-columns:1fr}.cta-panel{display:block;padding:32px 24px}.cta-panel .button{margin-top:22px}.page-hero{padding:48px 0 36px}.page-hero-art{margin-top:8px}.bio-photo{position:static;max-width:430px}.bio-grid{gap:36px}.program-grid{grid-template-columns:1fr}.program-category{display:block;margin-top:32px}.program-category h2{font-size:30px}.program-category p{margin-top:7px}.calc-fields{grid-template-columns:1fr}.contact-grid{gap:20px}.map-frame{min-height:360px}.footer-main{grid-template-columns:1fr 1fr;gap:28px 20px;padding:45px 0 30px}.footer-brand{grid-column:1/-1}.footer-bottom{display:block}.footer-bottom>*{display:block;margin:5px 0}}
@media(max-width:430px){.topline{font-size:10px;letter-spacing:.045em}.brand{flex-basis:165px}.brand img{width:165px}.hero h1{font-size:44px}.hero-visual{min-height:370px}.portrait-frame{height:355px}.experience-badge{width:104px;height:104px;bottom:32px}.experience-badge span{font-size:8px}.hero-note{font-size:10px}.hero-note b{font-size:12px}.trust-item strong{font-size:17px}.steps{grid-template-columns:1fr}.footer-main{grid-template-columns:1fr}.footer-brand{grid-column:auto}.footer-col{border-top:1px solid rgba(255,255,255,.13);padding-top:18px}.rate-feature,.calc-card,.calc-result{padding:24px}.review{padding:24px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}


/* Profile portrait, paired hero badges, and state rate table */
.hero-visual .guidance-badge{position:absolute;z-index:3;right:-20px;bottom:68px;width:146px;height:146px;border:1px solid var(--gold);border-radius:50%;background:var(--paper);display:grid;place-content:center;text-align:center;box-shadow:var(--shadow);color:var(--forest)}
.guidance-badge strong{font-family:var(--serif);font-size:36px;line-height:1}.guidance-badge span{font-size:10px;text-transform:uppercase;letter-spacing:.09em;line-height:1.35;margin-top:6px}
.bio-photo img{width:100%;height:540px;object-fit:cover;object-position:center top;border-radius:180px 180px 20px 20px;background:#e4dfd2}
.rate-table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:16px;background:#fff;box-shadow:var(--shadow)}
.rate-table{width:100%;border-collapse:collapse;min-width:760px;text-align:left}.rate-table caption{padding:18px 20px;text-align:left;color:var(--muted);font-size:13px}.rate-table th,.rate-table td{padding:15px 18px;border-top:1px solid var(--line);font-size:14px}.rate-table thead th{background:#efeee7;color:var(--forest);font-size:12px;letter-spacing:.06em;text-transform:uppercase}.rate-table tbody th{color:var(--forest-dark);font-weight:700}.rate-table a{color:var(--forest);font-weight:700;text-underline-offset:3px}.rate-table-note{margin:16px 0 0;max-width:1000px;font-size:13px}
@media(max-width:760px){.hero-visual .experience-badge{left:0;bottom:45px;width:120px;height:120px}.hero-visual .guidance-badge{right:0;bottom:45px;width:120px;height:120px}.guidance-badge strong{font-size:30px}.bio-photo img{height:460px}}
@media(max-width:430px){.hero-visual .experience-badge{width:104px;height:104px;bottom:32px}.hero-visual .experience-badge span,.hero-visual .guidance-badge span{font-size:8px}.hero-visual .guidance-badge{width:104px;height:104px;bottom:32px}.bio-photo img{height:400px}}

/* Site-wide guided chat */
.chat-launcher{position:fixed;right:24px;bottom:24px;z-index:1000;display:flex;align-items:center;gap:9px;min-height:56px;padding:0 19px;border:0;border-radius:999px;background:var(--forest);color:#fff;box-shadow:0 10px 30px rgba(16,55,47,.28);font-weight:700;transition:transform .2s,background .2s}.chat-launcher:hover{transform:translateY(-2px);background:var(--forest-dark)}.chat-launcher svg{width:21px;height:21px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.chat-panel{position:fixed;right:24px;bottom:94px;z-index:1001;width:min(390px,calc(100vw - 32px));height:min(590px,calc(100vh - 120px));display:flex;flex-direction:column;overflow:hidden;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:0 24px 70px rgba(16,42,36,.25)}.chat-panel[hidden]{display:none}.chat-header{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:20px 22px;background:var(--forest);color:#fff}.chat-header h2{margin:3px 0 2px;font-family:var(--serif);font-size:25px;line-height:1.1;color:#fff}.chat-header p{margin:0;color:#d9e5dc;font-size:12px}.chat-kicker{color:#e8d7b8;font-size:9px;font-weight:800;letter-spacing:.15em}.chat-close{width:34px;height:34px;flex:0 0 34px;border:1px solid rgba(255,255,255,.35);border-radius:50%;background:transparent;color:#fff;font-size:25px;line-height:1}.chat-messages{flex:1;overflow-y:auto;display:flex;flex-direction:column;gap:11px;padding:18px;background:#f7f6f1}.chat-message{max-width:88%;padding:12px 14px;border-radius:15px;font-size:13px;line-height:1.5}.chat-message p{margin:0}.chat-message-assistant{align-self:flex-start;border:1px solid var(--line);border-bottom-left-radius:5px;background:#fff;color:#39443e}.chat-message-user{align-self:flex-end;border-bottom-right-radius:5px;background:var(--forest);color:#fff}.chat-message a{display:block;width:fit-content;margin-top:8px;color:var(--forest);font-weight:800;text-decoration:underline;text-underline-offset:3px}.chat-message-user a{color:#f2d7a9}.chat-suggestions{display:flex;flex-wrap:wrap;gap:7px;padding:0 16px 12px;background:#f7f6f1}.chat-suggestions[hidden]{display:none}.chat-suggestion{border:1px solid #c8d2ca;border-radius:999px;background:#fff;padding:7px 10px;color:var(--forest);font-size:11px;font-weight:700}.chat-suggestion:hover{background:#e9eee8}.chat-compose{display:flex;gap:9px;padding:12px 14px;border-top:1px solid var(--line);background:#fff}.chat-compose input{min-width:0;flex:1;border:1px solid #d2d8d1;border-radius:999px;padding:11px 14px;color:var(--ink);font-size:13px}.chat-compose input:focus{outline:3px solid #b9d5c4;border-color:var(--forest)}.chat-compose button{width:42px;height:42px;flex:0 0 42px;display:grid;place-items:center;border:0;border-radius:50%;background:var(--gold);color:#fff}.chat-compose button svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}.chat-privacy{margin:0;padding:0 16px 12px;background:#fff;color:var(--muted);font-size:10px}.chat-launcher:focus-visible,.chat-panel button:focus-visible{outline:3px solid #c7995d;outline-offset:3px}
@media(max-width:760px){.chat-launcher{right:16px;bottom:16px;min-height:52px;padding:0 16px}.chat-panel{right:16px;bottom:78px;height:min(600px,calc(100vh - 96px))}}

/* Individual loan guides and categorized directory */
.loan-category-nav{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:44px;padding:16px;border:1px solid var(--line);border-radius:16px;background:#fff}
.loan-category-nav a{padding:9px 14px;border-radius:999px;background:#f2f1ea;color:var(--forest);font-size:13px;font-weight:700;text-decoration:none}
.loan-category-nav a:hover{background:var(--forest);color:#fff}
.loan-category{scroll-margin-top:120px;margin:0 0 54px}
.loan-category .program-category{margin:0 0 18px}
.loan-option-card{display:flex;flex-direction:column;gap:9px;min-height:235px;transition:transform .2s,box-shadow .2s,border-color .2s}
.loan-option-card:hover{transform:translateY(-3px);border-color:var(--gold-pale);box-shadow:var(--shadow)}
.loan-option-card h3{margin:0}
.loan-option-card p{flex:1}
.loan-option-card .text-link{align-self:flex-start;margin-top:6px}
.loan-detail-hero h1{max-width:850px;font-size:clamp(42px,5.3vw,68px)}
.loan-detail-hero .button-row{margin-top:23px}
.loan-detail-section{padding-top:70px}
.loan-detail-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:32px;align-items:stretch}
.loan-explainer{padding:30px 4px 20px 0}
.loan-explainer h2,.loan-questions h2{font-size:clamp(32px,3.4vw,44px)}
.loan-explainer p:not(.eyebrow){max-width:720px;color:#536059}
.loan-aside{border-radius:18px;background:var(--forest);color:#fff;padding:32px}
.loan-aside .eyebrow{color:#e8d7b8}
.loan-aside h2{margin:0 0 20px;color:#fff;font-size:34px}
.loan-aside ul,.loan-questions ul{display:grid;gap:14px;margin:0;padding-left:20px}
.loan-aside li{padding-left:3px;color:#e4ebe5;font-size:14px}
.loan-questions{display:grid;grid-template-columns:.8fr 1.2fr;gap:55px;align-items:start;margin-top:46px;padding:38px 0;border-top:1px solid var(--line)}
.loan-questions h2{margin-bottom:10px}
.loan-questions>div>p:last-child{max-width:370px;color:var(--muted);font-size:14px}
.loan-questions li{padding-left:6px;color:#4f5b55}
.loan-detail-note{margin-top:12px;padding:20px 22px;border-left:3px solid var(--gold);border-radius:0 12px 12px 0;background:#eeece4;color:#59635e;font-size:13px}
.loan-source{margin:12px 0 0!important;font-size:12px}
.loan-source a{color:var(--forest);font-weight:700;text-underline-offset:3px}
.loan-related-section{background:#f0efe9}
.related-loan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.related-loan{display:flex;flex-direction:column;gap:7px;min-height:155px;padding:21px;border:1px solid var(--line);border-radius:15px;background:#fff;text-decoration:none;transition:transform .2s,box-shadow .2s}
.related-loan:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.related-loan>span{color:var(--muted);font-size:10px;font-weight:800;letter-spacing:.1em;text-transform:uppercase}
.related-loan strong{color:var(--forest-dark);font-family:var(--serif);font-size:20px;font-weight:500;line-height:1.2}
.related-loan b{margin-top:auto;color:var(--forest);font-size:12px}
@media(max-width:760px){.loan-category-nav{gap:8px;margin-bottom:34px;padding:12px}.loan-category-nav a{font-size:12px;padding:8px 11px}.loan-category{margin-bottom:40px}.loan-detail-grid,.loan-questions{grid-template-columns:1fr;gap:24px}.loan-explainer{padding:0}.loan-aside{padding:26px}.loan-questions{margin-top:30px;padding:30px 0}.related-loan-grid{grid-template-columns:1fr 1fr}}
@media(max-width:430px){.loan-category-nav{display:grid;grid-template-columns:1fr 1fr}.loan-category-nav a{text-align:center}.related-loan-grid{grid-template-columns:1fr}.related-loan{min-height:130px}}

/* Loan category pages and menu behavior */
@media(min-width:761px){.nav-dropdown:hover .dropdown-panel,.nav-dropdown:focus-within .dropdown-panel{display:grid}}
.category-card-list{display:grid;gap:12px;max-width:960px}
.category-card{display:grid;grid-template-columns:60px minmax(0,1fr) 42px;gap:19px;align-items:center;padding:24px 28px;border:1px solid var(--line);border-radius:18px;background:#fff;text-decoration:none;transition:transform .2s,border-color .2s,box-shadow .2s}
.category-card:hover{transform:translateY(-2px);border-color:var(--gold-pale);box-shadow:var(--shadow)}
.category-number{font-family:var(--serif);font-size:27px;color:var(--gold)}
.category-card h2{margin:0 0 6px;font-size:clamp(23px,2.5vw,31px)}
.category-card p{max-width:740px;margin:0;color:var(--muted);font-size:14px}
.category-arrow{width:38px;height:38px;display:grid;place-items:center;border:1px solid var(--line);border-radius:50%;color:var(--forest);font-size:20px;transition:background .2s,color .2s,border-color .2s}
.category-card:hover .category-arrow{background:var(--forest);border-color:var(--forest);color:#fff}
.category-loan-grid .program-card{min-height:230px}
.category-loan-grid .program-card h3{font-size:22px}
@media(max-width:760px){.category-card{grid-template-columns:42px minmax(0,1fr) 34px;gap:13px;padding:20px 16px}.category-number{font-size:22px}.category-arrow{width:32px;height:32px}.category-loan-grid .program-grid{grid-template-columns:1fr}}

/* Keep the profile metrics clear of Marco’s portrait at every viewport size */
.hero-visual{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-template-rows:auto auto auto;align-items:stretch;gap:13px;min-height:0;padding:8px 0 4px}
.hero-visual .hero-note{position:static;grid-column:1/-1;grid-row:1;justify-self:end;max-width:100%;margin:0}
.hero-visual .portrait-frame{grid-column:1/-1;grid-row:2;justify-self:center;width:min(100%,440px);height:500px;margin:0}
.hero-visual .experience-badge,.hero-visual .guidance-badge{position:static;inset:auto;grid-row:3;width:auto;height:auto;min-width:0;min-height:76px;padding:12px 10px;border-radius:14px;display:flex;align-items:center;justify-content:center;gap:9px;box-shadow:0 8px 24px rgba(22,48,42,.07);text-align:left}
.hero-visual .experience-badge{grid-column:1;background:#fff}
.hero-visual .guidance-badge{grid-column:2;background:var(--paper)}
.hero-visual .experience-badge strong,.hero-visual .guidance-badge strong{flex:0 0 auto;font-size:29px;line-height:1}
.hero-visual .experience-badge span,.hero-visual .guidance-badge span{max-width:100px;margin:0;font-size:9px;line-height:1.35;letter-spacing:.07em}
@media(max-width:760px){.hero-visual{gap:11px;padding-top:2px}.hero-visual .portrait-frame{width:min(100%,390px);height:410px}.hero-visual .experience-badge,.hero-visual .guidance-badge{min-height:72px;padding:11px 9px}}
@media(max-width:430px){.hero-visual{grid-template-columns:repeat(2,minmax(0,1fr));gap:9px}.hero-visual .hero-note{font-size:10px;padding:11px 13px}.hero-visual .portrait-frame{width:100%;max-width:350px;height:355px}.hero-visual .experience-badge,.hero-visual .guidance-badge{min-height:68px;gap:7px;padding:9px 7px}.hero-visual .experience-badge strong,.hero-visual .guidance-badge strong{font-size:24px}.hero-visual .experience-badge span,.hero-visual .guidance-badge span{font-size:8px;letter-spacing:.045em}}