@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@500;600;700&family=Manrope:wght@400;500;600;700&display=swap');

:root { --navy:#0b2a43; --navy-deep:#071e31; --gold:#c49a50; --gold-light:#e4bd73; --ivory:#f7f2e8; --cream:#fcfaf5; --sage:#93a39b; --ink:#173047; --muted:#607080; --white:#fff; --line:rgba(15,47,70,.14); }
*{box-sizing:border-box} html{scroll-behavior:smooth;scroll-padding-top:95px} body{margin:0;background:var(--cream);color:var(--ink);font-family:"Manrope",sans-serif;line-height:1.65} a{color:inherit;text-decoration:none} img{max-width:100%;display:block} button,input,textarea,select{font:inherit}.container{width:min(1180px,calc(100% - 48px));margin-inline:auto}.section{padding:108px 0}.eyebrow{margin:0 0 14px;color:var(--gold);font-size:.75rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase}h1,h2,h3{font-family:"Cormorant Garamond",serif;line-height:1.05;margin-top:0}h2{font-size:clamp(2.6rem,5vw,4.2rem);letter-spacing:-.035em;margin-bottom:24px}p{margin-top:0}.button{display:inline-flex;align-items:center;justify-content:center;gap:28px;min-height:56px;padding:0 28px;border:1px solid transparent;border-radius:3px;font-size:.9rem;font-weight:700;letter-spacing:.015em;transition:.25s ease;cursor:pointer}.button span{font-size:1.35rem;transition:transform .25s}.button:hover span{transform:translateX(5px)}.button-gold{background:var(--gold);color:var(--navy-deep)}.button-gold:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:0 12px 28px rgba(5,27,44,.2)}.button-outline{border-color:var(--gold);color:#9b7437}.button-outline:hover{background:var(--gold);color:var(--navy-deep)}.button-navy{background:var(--navy);color:#fff}.button-navy:hover{background:var(--navy-deep);transform:translateY(-2px)}[data-reveal]{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}[data-reveal].is-visible{opacity:1;transform:none}
.site-header{height:96px;position:sticky;top:0;z-index:50;background:rgba(252,250,245,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(16px)}.nav-wrap{height:100%;display:flex;align-items:center;gap:26px}.brand{display:flex;align-items:center;gap:12px;min-width:265px}.brand img{width:62px;height:62px;border-radius:50%;object-fit:cover;border:3px solid #fff;box-shadow:0 3px 14px rgba(11,42,67,.18)}.brand span{display:flex;flex-direction:column}.brand strong{font:600 2.15rem/1 "Cormorant Garamond",serif;color:var(--navy)}.brand small{margin-top:6px;color:#9b7437;font-size:.58rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase}.site-header nav{display:flex;align-items:center;justify-content:center;gap:24px;flex:1}.site-header nav a{position:relative;font-size:.82rem;font-weight:600}.site-header nav a:after{content:"";position:absolute;left:0;right:100%;bottom:-8px;height:1px;background:var(--gold);transition:.25s}.site-header nav a:hover:after{right:0}.nav-actions{display:flex;align-items:center;gap:16px}.nav-actions .button{min-height:48px;padding:0 18px;gap:14px}.phone-link{font-size:.78rem;font-weight:700;white-space:nowrap}.menu-button{display:none;background:none;border:0;padding:10px}.menu-button span{display:block;width:24px;height:2px;background:var(--navy);margin:5px}
.hero{min-height:760px;position:relative;display:flex;align-items:center;background:var(--navy) url('/images/hero-sierra.jpg') center/cover no-repeat;color:#fff;overflow:visible;border-bottom:4px solid var(--gold)}.hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,30,49,.98) 0%,rgba(5,35,57,.9) 35%,rgba(4,28,46,.35) 65%,rgba(4,20,32,.08) 100%)}.topo-pattern{position:absolute;inset:0 48% 0 0;opacity:.12;background-image:repeating-radial-gradient(ellipse at 15% 30%,transparent 0 28px,rgba(229,188,111,.7) 29px 30px,transparent 31px 56px)}.hero-content{position:relative;z-index:2;padding-bottom:45px}.hero h1{font-size:clamp(4rem,7vw,6.7rem);max-width:800px;letter-spacing:-.045em;margin-bottom:30px}.hero h1 em{color:var(--gold-light);font-style:normal}.hero-copy{font-size:1.18rem;max-width:620px;color:rgba(255,255,255,.88);margin-bottom:32px}.hero-actions{display:flex;align-items:center;gap:28px}.hero-actions .button{min-width:250px}.text-link{border-bottom:1px solid rgba(255,255,255,.4);padding-bottom:4px}.hero-stagger{opacity:0;animation:heroIn .7s ease forwards}.hero-stagger:nth-child(2){animation-delay:.12s}.hero-stagger:nth-child(3){animation-delay:.24s}.hero-stagger:nth-child(4){animation-delay:.36s}@keyframes heroIn{to{opacity:1;transform:translateY(0)}from{opacity:0;transform:translateY(18px)}}.trust-strip{position:absolute;z-index:3;left:50%;bottom:-60px;transform:translateX(-50%);width:min(900px,calc(100% - 48px));min-height:118px;border:1px solid rgba(255,255,255,.35);border-radius:14px;background:rgba(10,42,66,.93);box-shadow:0 20px 45px rgba(3,23,38,.25);backdrop-filter:blur(12px);display:grid;grid-template-columns:repeat(3,1fr);align-items:center;padding:20px;color:#fff}.trust-strip div{display:flex;align-items:center;justify-content:center;gap:16px;min-height:55px;border-right:1px solid rgba(255,255,255,.3)}.trust-strip div:last-child{border:0}.trust-strip b{color:var(--gold-light);font-size:1.55rem}.trust-strip span{font-size:.95rem}
.intro{padding-top:170px}.intro-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:90px;align-items:center}.portrait-wrap{position:relative}.portrait-ring{border-radius:50%;padding:15px;background:linear-gradient(135deg,var(--gold),var(--ivory));box-shadow:0 30px 70px rgba(11,42,67,.15)}.portrait-ring img{aspect-ratio:1;border-radius:50%;object-fit:cover;background:#fff}.experience-card{position:absolute;right:-25px;bottom:32px;background:var(--navy);color:#fff;padding:18px 24px;box-shadow:0 18px 35px rgba(6,30,47,.23)}.experience-card strong,.experience-card span{display:block}.experience-card strong{font-family:"Cormorant Garamond";font-size:1.4rem;color:var(--gold-light)}.experience-card span{font-size:.72rem}.intro-grid>div:last-child>p:not(.eyebrow){color:var(--muted);font-size:1.02rem}.credential-row{display:flex;gap:38px;margin:32px 0}.credential-row span{font-weight:700;color:var(--navy)}.credential-row small{display:block;color:var(--gold);font-size:.65rem;letter-spacing:.1em;text-transform:uppercase}
.loans{background:var(--ivory)}.section-heading{max-width:760px;margin:0 auto 55px;text-align:center}.section-heading>p:last-child{color:var(--muted);max-width:660px;margin-inline:auto}.loan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.loan-card{background:#fff;border:1px solid rgba(11,42,67,.1);padding:32px;min-height:300px;transition:transform .3s ease,box-shadow .3s ease,border-color .3s}.loan-card:hover{transform:translateY(-8px);box-shadow:0 24px 50px rgba(11,42,67,.11);border-color:rgba(196,154,80,.55)}.loan-icon{display:grid;place-items:center;width:52px;height:52px;border:1px solid var(--gold);border-radius:50%;color:var(--gold);font-weight:700;font-size:1.2rem}.loan-card h3{font-size:1.75rem;margin:24px 0 12px}.loan-card p{color:var(--muted);font-size:.9rem}.loan-card a{color:#9b7437;font-size:.78rem;font-weight:700}.disclaimer{color:var(--muted);font-size:.7rem}.centered{text-align:center;margin:28px 0 0}
.stats{position:relative;background:var(--navy-deep);color:#fff;overflow:hidden}.stats:before{content:"";position:absolute;width:550px;height:550px;border:1px solid rgba(196,154,80,.17);border-radius:50%;right:-180px;top:-250px;box-shadow:0 0 0 70px rgba(196,154,80,.035),0 0 0 140px rgba(196,154,80,.025)}.section-heading.light>p:last-child{color:rgba(255,255,255,.65)}.stats-grid{position:relative;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(255,255,255,.15);border-bottom:1px solid rgba(255,255,255,.15)}.stats-grid div{padding:36px 25px;text-align:center;border-right:1px solid rgba(255,255,255,.15)}.stats-grid div:last-child{border:0}.stats-grid strong{display:block;font:600 2.5rem "Cormorant Garamond";color:var(--gold-light)}.stats-grid span{font-size:.74rem;color:rgba(255,255,255,.7)}.source{text-align:center;font-size:.67rem;color:rgba(255,255,255,.55);margin:24px 0 0}.source a{text-decoration:underline}
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);position:relative}.process-grid:before{content:"";position:absolute;top:34px;left:10%;right:10%;height:1px;background:var(--gold)}.process-grid article{position:relative;text-align:center;padding:0 22px}.process-grid article>span{position:relative;z-index:2;display:grid;place-items:center;width:68px;height:68px;margin:0 auto 26px;border:1px solid var(--gold);border-radius:50%;background:var(--cream);color:var(--gold);font-weight:700}.process-grid h3{font-size:1.7rem;margin-bottom:8px}.process-grid p{color:var(--muted);font-size:.86rem}
.calculator{background:linear-gradient(120deg,#edf0eb,#f8f2e7)}.calculator-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:80px;align-items:center}.calculator-grid>div:first-child>p:not(.eyebrow){color:var(--muted)}.calc-form{margin-top:35px}.calc-form label{display:block;margin-bottom:25px;font-size:.78rem;font-weight:700}.calc-form label span{float:right;color:#9b7437}.calc-form input[type=range]{width:100%;accent-color:var(--gold);margin-top:12px}.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}.calc-row input,.calc-row select{width:100%;height:50px;margin-top:8px;border:1px solid var(--line);background:#fff;padding:0 14px}.payment-card{background:var(--navy);color:#fff;padding:48px;box-shadow:0 30px 60px rgba(11,42,67,.18)}.payment-card small,.payment-card>span{display:block;color:rgba(255,255,255,.65)}.payment-card strong{display:block;font:600 4.6rem "Cormorant Garamond";color:var(--gold-light);margin:10px 0}.payment-card hr{border:0;border-top:1px solid rgba(255,255,255,.15);margin:28px 0}.payment-card p{font-size:.72rem;color:rgba(255,255,255,.6)}.payment-card .button{margin-top:16px}
.faq-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:80px}.faq-grid>div:first-child>p:not(.eyebrow){color:var(--muted)}.phone-panel{display:inline-flex;flex-direction:column;margin-top:24px;padding:18px 24px;background:var(--ivory);border-left:3px solid var(--gold)}.phone-panel span{font-size:.68rem;text-transform:uppercase;letter-spacing:.1em}.phone-panel strong{font-size:1.2rem}.faq-item{border-bottom:1px solid var(--line)}.faq-item button{width:100%;display:flex;justify-content:space-between;align-items:center;text-align:left;padding:24px 0;background:none;border:0;color:var(--ink);cursor:pointer}.faq-item button span{font-weight:700}.faq-item button b{color:var(--gold);font-size:1.5rem}.faq-item>div{display:grid;grid-template-rows:0fr;transition:grid-template-rows .35s}.faq-item>div p{overflow:hidden;margin:0;color:var(--muted);font-size:.9rem}.faq-item.active>div{grid-template-rows:1fr}.faq-item.active>div p{padding-bottom:24px}
.contact{background:var(--navy-deep);color:#fff}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:80px;align-items:start}.contact-grid>div>p:not(.eyebrow){color:rgba(255,255,255,.65)}.contact-list{list-style:none;padding:0;margin:38px 0}.contact-list li{border-top:1px solid rgba(255,255,255,.15);padding:18px 0;display:grid;grid-template-columns:85px 1fr}.contact-list span{color:var(--gold-light);font-size:.7rem;text-transform:uppercase;letter-spacing:.1em}.contact-list a,.contact-list address{font-style:normal;color:#fff}.lead-form{background:#fff;color:var(--ink);padding:42px;box-shadow:0 30px 70px rgba(0,0,0,.22)}.form-heading span{color:var(--gold);font-size:.66rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase}.form-heading h3{font-size:2.25rem;margin:5px 0 24px}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.lead-form>label,.field-row label{display:block;margin-bottom:16px;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em}.lead-form input:not([type=checkbox]),.lead-form select,.lead-form textarea{width:100%;border:1px solid #d8dee2;background:#fbfcfc;padding:13px;margin-top:7px;outline:0}.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(196,154,80,.12)}.consent{display:flex!important;gap:10px;align-items:flex-start;text-transform:none!important;letter-spacing:0!important;font-weight:500!important;line-height:1.45}.consent input{margin-top:3px}.captcha-placeholder{border:1px dashed #c6ced3;background:#f6f7f7;padding:14px;margin-bottom:18px;color:var(--muted);font-size:.7rem}.lead-form .button{width:100%}.form-note{font-size:.63rem;color:var(--muted);margin:12px 0 0;text-align:center}
footer{background:#061725;color:rgba(255,255,255,.7);padding:70px 0 30px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:70px}.footer-grid h3{color:#fff;font-size:1.25rem;margin-bottom:15px}.footer-grid a,.footer-grid span{display:block;font-size:.78rem;margin-bottom:9px}.footer-brand strong{display:block;color:#fff;font:600 2.4rem "Cormorant Garamond"}.footer-brand>span{color:var(--gold-light);text-transform:uppercase;letter-spacing:.08em;font-size:.63rem}.footer-brand p{font-size:.8rem}.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:45px;padding-top:25px;display:flex;justify-content:space-between;gap:40px;font-size:.59rem}.legal p{max-width:800px}.toast{position:fixed;z-index:100;right:24px;bottom:24px;width:min(430px,calc(100% - 48px));display:flex;align-items:center;gap:14px;background:#fff;color:var(--ink);padding:18px;box-shadow:0 18px 60px rgba(0,0,0,.25);border-left:4px solid var(--gold)}.toast b{color:var(--gold)}.toast button{margin-left:auto;border:0;background:none;font-size:1.3rem}.mobile-call{display:none}
@media(max-width:1050px){.nav-actions .phone-link,.site-header nav{display:none}.menu-button{display:block;margin-left:auto}.site-header nav.is-open{display:flex;position:absolute;top:96px;left:0;right:0;background:var(--cream);flex-direction:column;padding:25px;border-bottom:1px solid var(--line)}.nav-actions .button{display:none}.hero{min-height:680px}.loan-grid{grid-template-columns:repeat(2,1fr)}.intro-grid,.calculator-grid,.faq-grid,.contact-grid{gap:45px}.stats-grid{grid-template-columns:repeat(2,1fr)}.stats-grid div:nth-child(2){border-right:0}.stats-grid div:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.15)}}
@media(max-width:760px){.container{width:min(100% - 30px,600px)}.section{padding:78px 0}.site-header{height:82px}.brand{min-width:auto}.brand img{width:51px;height:51px}.brand strong{font-size:1.65rem}.brand small{font-size:.48rem}.site-header nav.is-open{top:82px}.hero{min-height:720px;background-position:62% center}.hero-shade{background:linear-gradient(90deg,rgba(4,30,49,.97),rgba(5,35,57,.75))}.hero h1{font-size:3.5rem}.hero-copy{font-size:1rem}.hero-actions{align-items:flex-start;flex-direction:column}.trust-strip{bottom:-110px;grid-template-columns:1fr;padding:12px 22px}.trust-strip div{min-height:54px;border-right:0;border-bottom:1px solid rgba(255,255,255,.2);justify-content:flex-start}.intro{padding-top:190px}.intro-grid,.calculator-grid,.faq-grid,.contact-grid,.footer-grid{grid-template-columns:1fr}.intro-grid{gap:60px}.portrait-wrap{max-width:360px;margin:auto}.experience-card{right:-5px}.loan-grid,.process-grid{grid-template-columns:1fr}.process-grid:before{display:none}.process-grid article{margin-bottom:28px}.process-grid article>span{margin-bottom:14px}.stats-grid{grid-template-columns:1fr}.stats-grid div{border-right:0!important;border-bottom:1px solid rgba(255,255,255,.15)!important}.stats-grid div:last-child{border-bottom:0!important}.calculator-grid,.faq-grid,.contact-grid{gap:50px}.payment-card,.lead-form{padding:30px 24px}.field-row,.calc-row{grid-template-columns:1fr}.payment-card strong{font-size:3.9rem}.credential-row{gap:22px}.footer-grid{gap:32px}.legal{display:block}.mobile-call{display:block;position:fixed;z-index:45;left:16px;right:16px;bottom:14px;background:var(--gold);color:var(--navy-deep);padding:13px;text-align:center;font-weight:800;box-shadow:0 12px 35px rgba(0,0,0,.25)}body{padding-bottom:55px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;animation:none!important;transition:none!important}[data-reveal]{opacity:1;transform:none}}
.hero{background-image:url('../hero-sierra.jpg')}