:root{
  --navy:#0A2240;
  --navy-2:#123a63;
  --gold:#FFBF3F;
  --gold-d:#e8a92b;
  --sand:#F5F1EA;
  --ink:#1c2430;
  --muted:#5b6675;
  --line:#dfe3e8;
  --wrap:1240px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;font-size:17px;line-height:1.5}
img{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:Georgia,"Times New Roman",serif;font-weight:400;line-height:1.15;margin:0 0 .5em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}

/* utility */
.utility{background:var(--navy);color:#fff;font-size:13.5px}
.utility-in{display:flex;justify-content:flex-end;padding:7px 24px}
.util-links{display:flex;gap:26px}
.util-links a{color:#fff;opacity:.9}
.util-search{padding-left:22px;background:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='13' height='13' viewBox='0 0 16 16'><circle cx='7' cy='7' r='5' fill='none' stroke='white' stroke-width='1.6'/><path d='M11 11l4 4' stroke='white' stroke-width='1.6'/></svg>") no-repeat left center}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-in{display:flex;align-items:center;gap:28px;padding:14px 24px}
.logo svg{width:230px;height:auto}
.main-nav{flex:1}
.main-nav>ul{display:flex;gap:22px;list-style:none;margin:0;padding:0;font-size:15.5px;font-weight:600}
.main-nav>ul>li>a{display:block;padding:12px 0;color:var(--navy);border-bottom:3px solid transparent}
.main-nav>ul>li:hover>a{border-bottom-color:var(--gold)}
.header-actions{display:flex;align-items:center;gap:12px}
.btn-login{background:var(--navy);color:#fff;border:0;border-radius:2px;padding:11px 26px;font-size:15px;font-weight:700;cursor:pointer}
.btn-login:hover{background:var(--navy-2)}
.burger{display:none;background:none;border:0;padding:8px;cursor:pointer}
.burger span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0}

/* mega */
.has-mega{position:static}
.mega{position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);box-shadow:0 18px 30px rgba(10,34,64,.12);padding:30px 0;display:none}
.has-mega:hover .mega,.has-mega:focus-within .mega{display:block}
.mega-cols{max-width:var(--wrap);margin:0 auto;padding:0 24px;display:grid;grid-template-columns:1fr 1fr 300px;gap:34px;font-weight:400;font-size:14.5px}
.mega-cols a{display:block;padding:4px 0;color:#33404f}
.mega-top{font-weight:700;color:var(--navy)!important;padding-bottom:8px!important}
.mega-h{margin:14px 0 4px;font-size:12px;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);font-weight:700}
.mega-card img{aspect-ratio:405/315;object-fit:cover;margin-bottom:10px}
.mega-card-t{font-family:Georgia,serif;font-size:18px;color:var(--navy);margin:0 0 6px}
.mega-card-l{font-weight:700;color:var(--navy)!important}

/* login */
.login-panel{background:var(--navy);color:#fff;padding:26px 0}
.login-in{display:flex;justify-content:space-between;align-items:flex-start;gap:20px}
.login-box{max-width:360px;width:100%}
.login-title{font-family:Georgia,serif;font-size:22px;margin:0 0 12px}
.login-box label{display:block;font-size:13px;margin:10px 0 4px;opacity:.85}
.login-box input{width:100%;padding:10px;border:0;border-radius:2px}
.btn-primary{background:var(--gold);color:var(--navy);border:0;border-radius:2px;padding:11px 22px;font-weight:700;font-size:15px;cursor:pointer;margin-top:14px}
.btn-primary:hover{background:var(--gold-d)}
.login-links{display:flex;flex-direction:column;gap:6px;margin-top:14px;font-size:13.5px}
.login-links a{color:#fff;text-decoration:underline;opacity:.9}
.login-close{background:none;border:0;color:#fff;font-size:34px;line-height:1;cursor:pointer}

/* hero */
.hero{position:relative;background:#0b1b2c}
.slides{position:relative;height:min(62vw,560px);min-height:380px}
.slide{position:absolute;inset:0;opacity:0;transition:opacity .5s;display:flex;align-items:flex-end}
.slide.is-active{opacity:1}
.slide img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.slide::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,20,36,.82) 0%,rgba(6,20,36,.45) 55%,rgba(6,20,36,.1) 100%)}
.slide-copy{position:relative;z-index:2;color:#fff;max-width:var(--wrap);margin:0 auto;padding:0 24px 56px;width:100%}
.slide-copy h2{font-size:clamp(28px,4vw,52px);max-width:16ch;color:#fff}
.slide-copy p{max-width:46ch;font-size:17px;margin:0 0 18px}
.btn-ghost{display:inline-block;border:2px solid #fff;color:#fff;padding:11px 24px;font-weight:700;font-size:15px}
.btn-ghost:hover{background:#fff;color:var(--navy);text-decoration:none}
.hero-nav{position:absolute;right:24px;bottom:22px;z-index:3;display:flex;align-items:center;gap:10px;color:#fff;font-size:14px}
.hero-nav button{width:36px;height:36px;border-radius:50%;border:1px solid rgba(255,255,255,.6);background:rgba(255,255,255,.12);color:#fff;font-size:20px;cursor:pointer;line-height:1}

/* quick */
.quick{padding:56px 0 46px;background:#fff;text-align:center}
.quick h2{font-size:clamp(26px,3vw,40px);color:var(--navy)}
.quick-lead{font-weight:700;margin:0 0 26px}
.quick-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;max-width:940px;margin:0 auto}
.quick-item{display:flex;flex-direction:column;align-items:center;gap:12px;border:1px solid var(--line);padding:26px 18px;font-weight:700;color:var(--navy);font-size:16px}
.quick-item:hover{border-color:var(--gold);text-decoration:none;box-shadow:0 8px 20px rgba(10,34,64,.08)}
.qi-icon{width:48px;height:48px}
.qi-icon svg{width:48px;height:48px;fill:none;stroke:var(--navy);stroke-width:2.2;stroke-linejoin:round}

/* app */
.app{background:var(--sand);padding:64px 0}
.app-in{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.app h2{font-size:clamp(26px,3vw,42px);color:var(--navy)}
.app-tabs{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0;margin:22px 0 18px}
.app-tabs button{border:1px solid var(--line);background:#fff;color:var(--navy);padding:8px 14px;font-size:13.5px;font-weight:700;cursor:pointer;border-radius:2px}
.app-tabs button.is-active{background:var(--navy);color:#fff;border-color:var(--navy)}
.app-panel{display:none;min-height:96px}
.app-panel.is-active{display:block}
.app-panel h3{font-size:20px;color:var(--navy)}
.btn-outline{display:inline-block;border:2px solid var(--navy);color:var(--navy);padding:10px 22px;font-weight:700;font-size:15px;margin-top:8px}
.btn-outline:hover{background:var(--navy);color:#fff;text-decoration:none}
.app-phones{position:relative;display:flex;justify-content:center;gap:10px}
.phone{width:46%;max-width:250px;filter:drop-shadow(0 18px 30px rgba(10,34,64,.22))}
.phone-b{margin-top:36px}

/* promos */
.promos{padding:56px 0}
.promo-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.promo img{aspect-ratio:4/3;object-fit:cover}
.promo-body{padding:16px 0 0}
.eyebrow{font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:700;margin:0 0 6px}
.promo h3{font-size:22px;color:var(--navy)}
.promo-link{font-weight:700;border-bottom:2px solid var(--gold);padding-bottom:2px}

/* rates */
.rates{background:var(--navy);color:#fff;padding:56px 0}
.rates h2{color:#fff;font-size:clamp(26px,3vw,40px);margin-bottom:28px}
.rate-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.rate{border:1px solid rgba(255,255,255,.25);padding:26px}
.rate-icon svg{width:44px;height:44px;fill:none;stroke:var(--gold);stroke-width:2.2;stroke-linejoin:round}
.rate h3{color:#fff;font-size:22px;margin:14px 0 10px}
.rate hr{border:0;border-top:1px solid rgba(255,255,255,.25);margin:0 0 14px}
.rate p{margin:0 0 14px}
.rate strong{color:var(--gold);font-size:20px}
.rate-link{color:#fff;font-weight:700;border-bottom:2px solid var(--gold);padding-bottom:2px}

/* stories */
.stories{padding:56px 0}
.stories h2{font-size:clamp(26px,3vw,40px);color:var(--navy)}
.story-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin-bottom:28px}
.story img{aspect-ratio:1;object-fit:cover;margin-bottom:10px}
.story h3{font-size:16px;color:var(--navy);margin-bottom:8px}
.story span{font-weight:700;font-size:14px;border-bottom:2px solid var(--gold)}
.story:hover{text-decoration:none}
.btn-outline.dark{margin-bottom:8px}

/* disclosures */
.disclosures{border-top:1px solid var(--line);padding:24px 0 40px;font-size:14px;color:var(--muted)}
.disc-toggle{background:none;border:0;padding:0;font-family:Georgia,serif;font-size:18px;color:var(--navy);cursor:pointer}
.disc-list{padding-left:20px;margin-top:14px}
.disc-list li{margin-bottom:10px}

/* footer */
.site-footer{background:#0b1b2c;color:#cfd8e3;padding:48px 0 24px;font-size:14.5px}
.foot-cols{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
.site-footer h4{color:#fff;font-size:15px;letter-spacing:.06em;text-transform:uppercase;font-family:inherit;margin-bottom:12px}
.site-footer a{display:block;color:#cfd8e3;padding:3px 0}
.site-footer a:hover{color:#fff}
.nmls,.routing{margin:12px 0 0;font-size:13px}
.socials{display:flex;gap:8px;margin-top:12px}
.socials a{width:30px;height:30px;border:1px solid rgba(255,255,255,.4);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px}
.zip{border-top:1px solid rgba(255,255,255,.15);margin-top:32px;padding-top:24px}
.zip h4{color:#fff;text-transform:none;font-family:Georgia,serif;font-size:18px;letter-spacing:0}
.zip-form{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-top:12px}
.zip-form input,.zip-form select{padding:9px;border:0;border-radius:2px;min-width:120px}
.zip-form label{font-size:13px}
.legal{border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:20px}
.legal-links{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:13px}
.legal-links a{display:inline}
.copy{font-size:13px;margin:14px 0 0}

/* cookie */
.cookie{position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:3px solid var(--gold);box-shadow:0 -8px 24px rgba(0,0,0,.14);padding:16px 24px;display:flex;gap:18px;align-items:center;z-index:80;font-size:13.5px}
.cookie p{margin:0;max-width:900px}
.cookie .btn-primary{margin:0;white-space:nowrap}

@media(max-width:1080px){
  .main-nav>ul{gap:14px;font-size:14px}
  .mega-cols{grid-template-columns:1fr 1fr}
  .mega-card{display:none}
  .story-grid{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:860px){
  .utility{display:none}
  .burger{display:block}
  .main-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);max-height:70vh;overflow:auto}
  .main-nav.open{display:block}
  .main-nav>ul{flex-direction:column;gap:0;padding:8px 24px 20px}
  .main-nav>ul>li>a{padding:12px 0;border-bottom:1px solid var(--line)}
  .mega{position:static;box-shadow:none;border:0;padding:8px 0 8px 12px}
  .has-mega:hover .mega{display:none}
  .has-mega.open .mega{display:block}
  .mega-cols{grid-template-columns:1fr;padding:0;gap:10px}
  .quick-grid,.promo-grid,.rate-grid,.foot-cols{grid-template-columns:1fr}
  .app-in{grid-template-columns:1fr}
  .app-phones{order:-1}
  .story-grid{grid-template-columns:1fr 1fr}
  .slides{height:auto;min-height:0;position:static}
  .slide{position:static;display:none;opacity:1}
  .slide.is-active{display:block}
  .slide img{position:static;height:260px}
  .slide::after{display:none}
  .slide-copy{background:var(--navy);padding:22px 24px 26px}
  .hero-nav{position:static;background:var(--navy);justify-content:center;padding:0 0 18px}
  .cookie{flex-direction:column;align-items:flex-start}
}