:root{--navy:#0b1930;--navy2:#122a4a;--teal:#20b7a5;--coral:#f26b4f;--cream:#fbf7ef;--sky:#eaf7f5;--ink:#15243a;--muted:#607084;--white:#fff;--line:#dce4e8}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);line-height:1.6;background:#fff}a{color:inherit}.wrap{width:min(1180px,92vw);margin:auto}
header{position:sticky;top:0;z-index:50;background:rgba(11,25,48,.96);border-bottom:1px solid rgba(255,255,255,.1)}nav{display:flex;align-items:center;justify-content:space-between;padding:15px 0;gap:24px}.brand{font-weight:950;letter-spacing:-.035em;color:white;text-decoration:none;font-size:1.28rem}.brand b{color:var(--teal)}.navlinks{display:flex;align-items:center;gap:20px}.navlinks a{color:#eaf1f7;text-decoration:none;font-weight:750;font-size:.92rem}.navcta{background:var(--coral);padding:9px 13px;border-radius:9px!important;color:#fff!important}
.hero{background:radial-gradient(circle at 90% 10%,rgba(32,183,165,.24),transparent 28%),linear-gradient(135deg,var(--navy),#102744 72%);color:white;padding:78px 0 70px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.15fr .7fr;gap:62px;align-items:center}.eyebrow{font-weight:900;text-transform:uppercase;letter-spacing:.13em;color:var(--teal);font-size:.78rem}.hero h1{font-size:clamp(3rem,6vw,5.5rem);line-height:.96;letter-spacing:-.06em;margin:.25em 0}.hero h1 em{font-style:normal;color:#9ee7de}.lede{font-size:1.17rem;color:#d7e2ed;max-width:760px}.portrait{position:relative}.portrait img{width:100%;display:block;border-radius:28px;box-shadow:0 28px 70px rgba(0,0,0,.35);border:6px solid rgba(255,255,255,.09)}.stamp{position:absolute;right:-20px;bottom:-22px;background:var(--coral);color:#fff;padding:16px 18px;border-radius:18px;font-weight:900;transform:rotate(-3deg);box-shadow:0 15px 30px rgba(0,0,0,.2)}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-block;padding:13px 18px;border-radius:10px;text-decoration:none;font-weight:900;border:1px solid transparent}.btn.primary{background:var(--coral);color:white}.btn.secondary{background:white;color:var(--navy)}.btn.ghost{border-color:#cbd8e3;color:var(--navy);background:white}
.trustbar{background:var(--cream);border-bottom:1px solid #eee4d5}.trustgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding:22px 0}.trustgrid strong{display:block;font-size:1.08rem}.trustgrid span{font-size:.84rem;color:var(--muted)}
section{padding:68px 0}.sectionhead{display:flex;justify-content:space-between;gap:28px;align-items:end;margin-bottom:28px}.sectionhead h2,h2{font-size:clamp(2rem,4vw,3.2rem);line-height:1.04;letter-spacing:-.045em;margin:.2em 0}.sectionhead p{max-width:560px;color:var(--muted)}
.navigator{background:var(--cream)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:white;border:1px solid var(--line);border-radius:20px;padding:25px;box-shadow:0 12px 32px rgba(16,39,68,.055)}.card h3{margin:.35em 0;font-size:1.24rem}.card p{color:var(--muted)}.card a{font-weight:900;text-decoration:none;color:var(--navy)}.icon{width:42px;height:42px;border-radius:12px;background:var(--sky);display:grid;place-items:center;font-weight:950;color:#087b6e}
.story{background:var(--navy);color:white}.story-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:55px;align-items:center}.story img{width:100%;border-radius:24px}.story p{color:#d8e3ed}.quote{font-size:1.45rem;font-weight:850;line-height:1.35;border-left:4px solid var(--teal);padding-left:20px}
.searchbox{display:flex;gap:8px;background:white;border:1px solid var(--line);padding:8px;border-radius:15px;box-shadow:0 10px 30px rgba(0,0,0,.05);max-width:800px}.searchbox input{border:0;outline:0;padding:10px;width:100%;font:inherit}.searchbox button{border:0;background:var(--navy);color:white;border-radius:10px;padding:0 18px;font-weight:850}
.states{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}.state{padding:12px 13px;border:1px solid var(--line);border-radius:11px;text-decoration:none;font-weight:800;background:#fff}.state:hover{border-color:var(--teal);background:var(--sky)}
.article{width:min(850px,92vw);margin:auto}.article h1{font-size:clamp(2.5rem,5vw,4.5rem);line-height:1;letter-spacing:-.05em}.article h2{margin-top:1.7em}.kicker{display:inline-block;background:var(--sky);color:#087b6e;padding:6px 10px;border-radius:999px;font-weight:850;font-size:.8rem}.notice{border-left:4px solid var(--coral);background:#fff6f2;padding:16px 18px;border-radius:0 12px 12px 0}
input,select{width:100%;padding:11px;border:1px solid #cbd5df;border-radius:9px;font:inherit}label{font-weight:800;font-size:.9rem}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.result{margin-top:18px;padding:18px;border-radius:14px;background:var(--sky);font-size:1.08rem}
footer{background:#071324;color:#b9c7d6;padding:44px 0;font-size:.88rem}.footergrid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:30px}.footergrid strong{color:white}.socials{display:flex;gap:12px;flex-wrap:wrap}.socials a{color:white;font-weight:800}
@media(max-width:850px){.hero-grid,.story-grid{grid-template-columns:1fr}.portrait{max-width:480px}.grid{grid-template-columns:1fr}.states{grid-template-columns:repeat(2,1fr)}.trustgrid{grid-template-columns:1fr 1fr}.navlinks a:not(.navcta){display:none}.footergrid{grid-template-columns:1fr}.calc-grid{grid-template-columns:1fr}.stamp{right:0}}

.brand{white-space:nowrap}.brand b{margin-left:0}
.social-hero{background:linear-gradient(135deg,#fff7ef,#eefaf8)}
.social-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.social-card{display:block;text-decoration:none;border-radius:20px;padding:24px;background:#fff;border:1px solid var(--line);box-shadow:0 12px 30px rgba(16,39,68,.06)}
.social-card strong{display:block;font-size:1.2rem;margin-bottom:6px}.social-card span{color:var(--muted)}
.calc-note{font-size:.82rem;color:var(--muted);margin-top:5px}
.inline-row{display:flex;gap:8px;align-items:center}.inline-row input{flex:1}
@media(max-width:850px){.social-grid{grid-template-columns:1fr 1fr}}

.talk{background:var(--teal)!important}
.author-card{display:grid;grid-template-columns:150px 1fr;gap:22px;align-items:center;border:1px solid var(--line);border-radius:22px;padding:22px;background:#fff;box-shadow:0 12px 30px rgba(16,39,68,.06);margin:34px 0}
.author-card img{width:150px;max-height:170px;object-fit:contain;object-position:center bottom;border-radius:18px;background:linear-gradient(180deg,#eefaf8,#fff)}
.author-card h3{margin:.1em 0}.author-card p{margin:.35em 0;color:var(--muted)}
.video-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.video-card{border:1px solid var(--line);border-radius:20px;padding:20px;background:#fff;box-shadow:0 12px 30px rgba(16,39,68,.05)}
.video-frame{aspect-ratio:16/9;width:100%;border:0;border-radius:14px;background:#0b1930;display:grid;place-items:center;color:white;text-align:center;padding:20px}
.callout-cta{background:linear-gradient(135deg,var(--navy),var(--navy2));color:white;border-radius:26px;padding:34px;display:flex;justify-content:space-between;align-items:center;gap:24px}
.callout-cta p{color:#dbe7ef;max-width:700px;margin-bottom:0}
@media(max-width:850px){.author-card{grid-template-columns:1fr;text-align:center}.author-card img{margin:auto}.video-grid{grid-template-columns:1fr}.callout-cta{display:block}.callout-cta .actions{margin-top:18px}}

.lead-section{background:linear-gradient(135deg,#eefaf8,#fff7ef)}
.lead-wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:32px;align-items:start}
.lead-form{background:#fff;border:1px solid var(--line);border-radius:24px;padding:26px;box-shadow:0 18px 45px rgba(16,39,68,.08)}
.lead-form h3{margin-top:0}
.lead-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.lead-grid .full{grid-column:1/-1}
.lead-form label{display:block;font-weight:800;margin-bottom:6px}
.lead-form input,.lead-form select,.lead-form textarea{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:12px;background:#fff;font:inherit}
.lead-form textarea{min-height:110px;resize:vertical}
.consent{display:flex!important;gap:10px;align-items:flex-start;font-weight:500!important;font-size:.84rem;color:var(--muted)}
.consent input{width:auto;margin-top:3px}
.form-note{font-size:.82rem;color:var(--muted);line-height:1.45}
.micro{font-size:.78rem;color:var(--muted)}
.capture-card{border-radius:24px;padding:28px;background:var(--navy);color:white}
.capture-card p{color:#dbe7ef}
.capture-list{margin:18px 0 0;padding-left:20px}
.capture-list li{margin:9px 0}
.success-box{background:#eefaf8;border:1px solid #b9e7df;border-radius:18px;padding:22px}
@media(max-width:850px){.lead-wrap,.lead-grid{grid-template-columns:1fr}.lead-grid .full{grid-column:auto}}

.dpa-table{width:100%;border-collapse:collapse;margin:20px 0;font-size:.95rem}
.dpa-table th,.dpa-table td{padding:13px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.dpa-table th{background:#eefaf8;color:var(--navy)}
.program-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;margin:18px 0}
.program-card h3{margin-top:0}
.badge{display:inline-block;padding:5px 9px;border-radius:999px;background:#eaf7f5;color:#126f65;font-size:.75rem;font-weight:800;margin:0 6px 6px 0}
.watchout{border-left:5px solid #f26b4f;background:#fff7ef;padding:16px 18px;border-radius:10px;margin:16px 0}
.goodfit{border-left:5px solid #20b7a5;background:#eefaf8;padding:16px 18px;border-radius:10px;margin:16px 0}
.sourcebox{font-size:.86rem;background:#f7f8fa;border-radius:14px;padding:16px;margin-top:18px}
.sourcebox a{word-break:break-word}
.updated{font-size:.82rem;color:var(--muted);font-weight:700}


/* V35 FHA authority / navigation layer */
.breadcrumbs{font-size:.9rem;padding:18px 0 0;color:#53657a}
.breadcrumbs a{color:#315f73;text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}
.author-review{margin:30px 0 18px;padding:22px;border:1px solid #d9e4e7;border-radius:18px;background:#fff}
.author-review h2{margin:.25rem 0 .5rem}.author-review p{margin:.45rem 0}
.review-date{font-size:.9rem;color:#53657a}
.fha-directory{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.fha-directory .card{display:block;text-decoration:none;color:inherit}
@media(max-width:700px){.fha-directory{grid-template-columns:1fr}}

/* V64 correction: guard against legacy Navigator overflow */
.article,.wrap{min-width:0}
.article img,.card img{max-width:100%;height:auto}
.guide{max-width:100%}