:root{--ink:#101915;--muted:#62706a;--line:#e2e8e4;--paper:#ffffff;--soft:#f4f6f3;--green:#1f6f5d;--gold:#b8964b;--wine:#7b3156;--black:#050706;--shadow:0 22px 55px rgba(16,25,21,.12);--radius:8px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff}a{color:inherit}.site-header{position:sticky;top:0;z-index:40;display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:26px;padding:14px max(20px,calc((100vw - 1180px)/2));background:rgba(255,255,255,.96);border-bottom:1px solid #eef1ef;backdrop-filter:blur(14px)}.brand{display:flex;align-items:center;gap:12px;text-decoration:none}.brand-logo-wrap{width:46px;height:46px;border-radius:8px;overflow:hidden;background:#0b0d0a}.brand-logo,.modal-brand img,.site-footer img{width:100%;height:100%;object-fit:cover}.brand strong,.brand small{display:block}.brand small{color:var(--muted);font-size:.8rem;margin-top:3px}.site-nav{display:flex;align-items:center;gap:24px}.site-nav a{position:relative;text-decoration:none;font-weight:850;font-size:.92rem}.site-nav a:hover,.site-nav .active-link{color:var(--wine)}.site-nav .active-link:after{content:"";position:absolute;left:0;right:0;bottom:-19px;height:2px;background:var(--wine)}.nav-toggle{display:none}.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;border:0;border-radius:999px;background:var(--green);color:#fff;text-decoration:none;font-weight:900;box-shadow:0 16px 28px rgba(31,111,93,.18);cursor:pointer}.button-small{min-height:38px;padding:0 18px;background:#050505;box-shadow:none}.button-light{background:#fff;color:var(--ink);border:1px solid var(--line);box-shadow:none}.hero-shell{width:min(1180px,calc(100% - 32px));margin:0 auto;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(360px,.75fr);gap:42px;align-items:center;padding:76px 0 54px}.home-hero{min-height:680px}.hero-copy-block{display:grid;gap:22px}.eyebrow{margin:0;color:var(--gold);font-size:.78rem;font-weight:950;letter-spacing:.14em;text-transform:uppercase}.hero-copy-block h1{max-width:820px;margin:0;font-size:clamp(3.2rem,6.2vw,6.25rem);line-height:.94;letter-spacing:0}.hero-copy-block p:not(.eyebrow){max-width:660px;margin:0;color:var(--muted);font-size:1.08rem;line-height:1.75}.hero-actions{display:flex;flex-wrap:wrap;gap:12px}.review-card{display:grid;gap:18px;padding:26px;border:1px solid var(--line);border-radius:8px;background:linear-gradient(180deg,#fff,#f8faf8);box-shadow:var(--shadow)}.review-card img{width:112px;border-radius:8px}.pill{justify-self:start;margin:0;padding:7px 11px;border-radius:999px;background:#eef3f0;color:var(--green);font-size:.82rem;font-weight:900}.review-card h2{margin:0;font-size:2rem;line-height:1.05}.route-list{display:grid;gap:10px}.route-list a{display:flex;justify-content:space-between;align-items:center;min-height:58px;padding:0 14px;border:1px solid var(--line);border-radius:8px;background:#fff;text-decoration:none;font-weight:900}.fine-print{margin:0;color:var(--muted);font-size:.84rem;line-height:1.55}.proof-strip{width:min(1180px,calc(100% - 32px));margin:0 auto 70px;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;border:1px solid var(--line);border-radius:8px;overflow:hidden;background:var(--line);box-shadow:0 14px 34px rgba(16,25,21,.08)}.proof-strip>*{margin:0;padding:18px;background:#fff;text-align:center;color:var(--muted);font-weight:850}.feature-band,.contact-panel,.states-panel{width:min(1180px,calc(100% - 32px));margin:0 auto;padding:56px 0}.feature-band>div:first-child{display:flex;justify-content:space-between;gap:24px;align-items:end;margin-bottom:22px}.feature-band h2,.contact-panel h2,.states-panel h2{margin:0;font-size:clamp(2.1rem,4vw,4rem);line-height:1}.feature-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.feature-grid a,.feature-grid article,.info-card{display:grid;align-content:start;min-height:210px;padding:26px;border:1px solid #ecefec;border-radius:8px;background:#f6f7f6;text-decoration:none;color:var(--ink)}.feature-grid span,.info-card span{color:var(--wine);font-weight:950;letter-spacing:.1em}.feature-grid h3,.info-card h3{margin:22px 0 10px;font-size:1.35rem}.feature-grid p,.info-card p,.contact-panel p,.site-footer p,.states-panel p{margin:0;color:var(--muted);line-height:1.65}.page-hero{min-height:540px}.visual-panel{min-height:340px;border-radius:8px;background:linear-gradient(90deg,rgba(255,255,255,.05),rgba(255,255,255,.75)),url("assets/mj-financial-hero.png") center/cover no-repeat;box-shadow:var(--shadow);transform:rotate(2deg)}.page-grid{margin-bottom:38px}.six-grid{grid-template-columns:repeat(3,minmax(0,1fr));width:min(1180px,calc(100% - 32px));margin:0 auto 38px}.education-section{width:min(1180px,calc(100% - 32px));margin:0 auto 56px}.education-section h2{font-size:clamp(2.2rem,4vw,4rem);line-height:1;margin:0 0 22px}.info-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.info-card{min-height:0}.source-link{display:inline-flex;margin-top:18px;color:var(--green);font-weight:900;text-decoration:none}.state-cloud{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}.state-cloud span{display:grid;place-items:center;min-width:50px;min-height:40px;padding:0 12px;border:1px solid var(--line);border-radius:8px;background:#fff;font-weight:900}.contact-panel{display:grid;grid-template-columns:1fr auto;align-items:center;gap:24px;margin-top:28px;border-top:1px solid var(--line)}.contact-actions{display:flex;gap:12px}.site-footer{display:grid;grid-template-columns:.75fr 1.2fr;gap:44px;margin-top:24px;padding:64px max(20px,calc((100vw - 1180px)/2));background:#080a09;color:#fff}.site-footer img{width:88px;height:88px;border-radius:8px}.site-footer h2{font-size:2.4rem;margin:18px 0 8px}.site-footer a{color:#fff}.chat-float{position:fixed;right:24px;bottom:24px;z-index:30;display:flex;align-items:center;gap:10px;min-height:50px;padding:0 18px;border-radius:999px;background:#fff;color:var(--ink);text-decoration:none;font-weight:950;box-shadow:0 14px 32px rgba(0,0,0,.18)}.chat-float span{display:grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--wine);color:#fff;font-size:.75rem}.mortgage-modal{position:fixed;inset:0;z-index:100;display:none;background:#fff}.mortgage-modal.is-open{display:block}.mortgage-modal-shell{height:100vh;display:grid;grid-template-rows:auto 1fr}.mortgage-modal-bar{display:flex;justify-content:space-between;align-items:center;gap:18px;min-height:74px;padding:10px max(18px,calc((100vw - 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@media(max-width:980px){.review-card{order:0}.hero-copy-block{order:-1}.site-header{grid-template-columns:1fr auto}.nav-toggle{display:inline-flex}.site-nav{display:none}.site-nav.is-open{display:grid}.site-header>.button-small{grid-column:1/-1}}
@media(max-width:640px){.hero-shell{width:100%;padding:34px 16px}.hero-copy-block h1{font-size:2.35rem!important;line-height:1.03!important;max-width:350px;overflow-wrap:break-word}.hero-copy-block p:not(.eyebrow){max-width:350px}.review-card{padding:22px}.proof-strip{width:calc(100% - 32px);grid-template-columns:1fr}.feature-band,.contact-panel,.states-panel,.education-section{width:calc(100% - 32px)}.feature-band>div:first-child{display:grid}.feature-band h2,.contact-panel h2,.states-panel h2,.education-section h2{font-size:2rem}.feature-grid,.info-grid,.six-grid{grid-template-columns:1fr}.site-footer{grid-template-columns:1fr}.nav-toggle{justify-self:end;min-height:38px;padding:0 12px;border:1px solid var(--line);border-radius:8px;background:#fff;font-weight:900}.site-nav{grid-column:1/-1}.site-nav.is-open{display:grid;gap:8px}.site-nav a{min-height:38px}.site-header .button-small{width:100%}}
@media(max-width:980px){.site-header{grid-template-columns:1fr auto!important}.nav-toggle{display:inline-flex!important;align-items:center;justify-content:center;color:var(--ink)!important}.brand{min-width:0}.site-nav{grid-column:1/-1}.site-header>.button-small{grid-column:1/-1}}`n.source-band{width:min(1180px,calc(100% - 32px));margin:0 auto 58px;padding:34px;border:1px solid var(--line);border-radius:8px;background:#f7f8f6}
.source-band h2{margin:0 0 12px;font-size:clamp(1.8rem,3vw,3rem);line-height:1}.source-band p{max-width:850px;margin:0 0 16px;color:var(--muted);line-height:1.65}.source-band .source-link{margin-right:18px}
.rates-page .source-band{text-align:center}
.rates-page .source-band p{margin-left:auto;margin-right:auto}
.rates-page .source-band .source-link{margin-left:9px;margin-right:9px}
.loan-directory a{position:relative;overflow:hidden}.loan-directory a:after{content:">";position:absolute;right:22px;bottom:18px;color:var(--green);font-weight:950}
@media(max-width:980px){.site-nav a.active-link:after{display:none}}
@media(max-width:640px){.source-band{padding:24px}}.app-page.embedded-flow .app-main{padding-top:24px;padding-bottom:24px}
.app-page.embedded-flow .app-wizard{gap:18px}
.app-page.embedded-flow .app-wizard .wizard-step h1{font-size:clamp(2rem,4vw,2.75rem)}
.app-page.embedded-flow .choice-row{min-height:58px}
@media(max-width:980px){.site-header{position:sticky;padding:14px 16px 12px}.nav-toggle{position:absolute!important;right:16px;top:18px;z-index:3;display:inline-flex!important}.brand{padding-right:86px}.site-header>.button-small{margin-top:10px}}
@media(max-width:980px){.nav-toggle{display:none!important}.site-nav{display:flex!important;grid-column:1/-1;gap:8px;overflow-x:auto;padding:6px 0 2px}.site-nav a{flex:0 0 auto;min-height:34px;padding:8px 12px;border:1px solid var(--line);border-radius:999px;background:#fff}.site-nav a.active-link{background:#f6eef3}.brand{padding-right:0}.site-header>.button-small{grid-column:1/-1;order:2}.site-nav{order:3}}
.buy-sale-visual{margin:0;min-height:360px;border-radius:8px;overflow:hidden;box-shadow:var(--shadow);background:#eef1ee}
.buy-sale-visual img{display:block;width:100%;height:100%;min-height:360px;object-fit:cover}
.resources-visual{margin:0;border-radius:8px;overflow:hidden;background:#fff;box-shadow:var(--shadow)}
.resources-visual img{display:block;width:100%;height:auto;min-height:340px;object-fit:contain}
.hero-no-visual{grid-template-columns:1fr;min-height:auto;padding-bottom:36px}
.hero-no-visual .hero-copy-block h1{max-width:980px}
.hero-no-visual .hero-copy-block p:not(.eyebrow){max-width:760px}
.contact-panel h2{line-height:1.12;margin-bottom:12px}
.contact-panel p:not(.eyebrow){max-width:760px}
.reasons-section{width:min(1180px,calc(100% - 32px));margin:18px auto 58px;padding:54px 0;border-top:1px solid var(--line)}
.section-heading{display:grid;gap:12px;margin-bottom:28px}
.section-heading h2{margin:0;font-size:clamp(2.5rem,5vw,5rem);line-height:.98;color:var(--green)}
.section-heading p:not(.eyebrow){max-width:760px;margin:0;color:var(--muted);line-height:1.65}
.reason-list{display:grid;grid-template-columns:1fr 1fr;gap:30px 56px}
.reason-list article{display:grid;grid-template-columns:74px 1fr;gap:18px;align-items:start}
.reason-list span{display:grid;place-items:center;width:58px;height:58px;border-radius:50%;background:#0bbbbb;color:#fff;font-size:1.55rem;font-weight:950}
.reason-list h3{margin:0 0 8px;font-size:1.1rem}
.reason-list p{margin:0;color:#2d3734;line-height:1.6}
.reasons-section>.fine-print{margin-top:28px;max-width:900px}
.mortgage-types-section{width:100%;margin:0 auto 58px;padding:46px max(20px,calc((100vw - 1180px)/2));background:#f6ebcf;border-top:1px solid #eadbb7;border-bottom:1px solid #eadbb7}
.mortgage-types-heading{text-align:center;margin-bottom:38px}
.mortgage-types-heading h2{margin:0;font-size:clamp(2.8rem,5vw,5.4rem);line-height:.9;color:#083239}
.mortgage-types-heading p{margin:10px 0 0;color:#083239;font-style:italic;font-size:clamp(1.6rem,3vw,2.55rem);letter-spacing:.08em}
.mortgage-type-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:34px;align-items:stretch}
.type-card{position:relative;display:grid;align-content:start;min-height:370px;padding:54px 22px 26px;border:3px solid currentColor;border-radius:6px;background:#fffdf8;color:#17363a}
.type-card h3{margin:0 0 10px;text-align:center;font-size:1.75rem;color:currentColor}
.type-card ul{margin:0;padding-left:20px;color:#143037;line-height:1.38;font-size:1rem}
.type-icon{position:absolute;top:-38px;left:50%;transform:translateX(-50%);display:grid;place-items:center;width:72px;height:72px;border-radius:8px;color:#fff;font-size:.92rem;font-weight:950;box-shadow:0 8px 18px rgba(0,0,0,.1)}
.type-conventional{color:#d25a45}.type-fha{color:#5a5363}.type-va{color:#348875}.type-usda{color:#075f75}
.type-conventional .type-icon{background:#d25a45}.type-fha .type-icon{background:#5a5363}.type-va .type-icon{background:#348875}.type-usda .type-icon{background:#075f75}
.mortgage-types-section>.fine-print{max-width:1040px;margin:28px auto 0;color:#4d5b56;text-align:center}
@media(max-width:980px){.buy-sale-visual{min-height:290px}.buy-sale-visual img{min-height:290px}.resources-visual img{min-height:260px}}
@media(max-width:1100px){.mortgage-type-grid{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:54px}}
@media(max-width:760px){.reason-list{grid-template-columns:1fr}.reason-list article{grid-template-columns:58px 1fr}.reason-list span{width:48px;height:48px;font-size:1.25rem}.section-heading h2{font-size:2.45rem}}
@media(max-width:640px){.buy-sale-visual{min-height:220px}.buy-sale-visual img{min-height:220px}.resources-visual img{min-height:190px}.mortgage-types-section{padding:36px 16px}.mortgage-type-grid{grid-template-columns:1fr;row-gap:52px}.type-card{min-height:0}.mortgage-types-heading p{letter-spacing:0}}
.rate-sheet-section{width:min(1180px,calc(100% - 32px));margin:0 auto 58px;padding:34px;border-radius:8px;background:#080908;color:#fff;box-shadow:var(--shadow);border:1px solid #c6a33f}
.rate-sheet-hero{display:grid;grid-template-columns:1.15fr .85fr;gap:28px;align-items:start;padding-bottom:24px;border-bottom:1px solid rgba(198,163,63,.6)}
.rate-sheet-hero h2{margin:0;font-size:clamp(3rem,7vw,6.8rem);line-height:.86;text-transform:uppercase;color:#fff}
.rate-sheet-hero p:not(.eyebrow){margin:8px 0 0;color:#d6b44a;font-size:clamp(1.8rem,3vw,3.1rem);font-weight:950;text-transform:uppercase}
.rate-sheet-hero em{display:block;margin-top:8px;color:#d6b44a;font-family:Georgia,serif;font-size:1.35rem}
.rate-sheet-benefits{display:grid;gap:14px}.rate-sheet-benefits article{display:grid;gap:4px;padding-left:18px;border-left:3px solid #d6b44a}.rate-sheet-benefits strong{text-transform:uppercase}.rate-sheet-benefits span{color:#f1ede0;line-height:1.35}
.rate-sheet-contact,.rate-assumptions{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;margin-top:18px;border:1px solid #d6b44a;border-radius:8px;overflow:hidden}
.rate-sheet-contact span,.rate-assumptions article{display:grid;place-items:center;min-height:58px;padding:12px;text-align:center;background:#0f110f;color:#f9f5ea;font-weight:850}
.rate-sheet-banner{display:flex;gap:18px;align-items:center;margin-top:18px;padding:14px 18px;border-radius:8px;background:linear-gradient(90deg,#d6b44a,#f1da80);color:#111}
.rate-sheet-banner strong{text-transform:uppercase;font-size:1.35rem}.rate-sheet-banner span{font-weight:800}
.rate-assumptions article{place-items:start center}.rate-assumptions span{color:#d6b44a;text-transform:uppercase;font-weight:950}.rate-assumptions strong{font-size:1.25rem}
.rate-table-wrap{margin-top:18px;overflow:auto;border-radius:8px;background:#f8f7f1}.rate-table{width:100%;border-collapse:collapse;min-width:850px;color:#111}.rate-table th{padding:14px 10px;background:#d6b44a;color:#111;text-transform:uppercase;font-size:.95rem}.rate-table th small{font-weight:700;text-transform:none}.rate-table td{padding:14px 10px;border:1px solid rgba(17,17,17,.25);text-align:center;font-weight:850}.rate-table td strong{display:block;font-size:1.35rem;color:#265d19}.rate-table td span{display:block;font-size:.82rem;font-weight:700}.rate-table .baseline td strong,.rate-table .baseline td{color:#b11416}
.rate-sheet-lower{margin-top:14px;padding:14px 18px;border-radius:8px;background:#2f6415;color:#fff;text-align:center;text-transform:uppercase;letter-spacing:.04em}
.rate-impact-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}.rate-impact-grid article{padding:24px;border:1px solid #d6b44a;border-radius:8px;background:#0f110f}.rate-impact-grid h3{margin:0 0 10px;color:#d6b44a;text-transform:uppercase}.rate-impact-grid p,.rate-impact-grid li{color:#f1ede0;line-height:1.55}.mini-bars{display:flex;align-items:end;gap:16px;height:150px;margin-top:16px}.mini-bars span{display:grid;align-items:end;justify-items:center;width:54px;min-height:36px;padding:6px;background:linear-gradient(#e81722,#5ea010);color:#fff;font-size:.78rem;font-weight:900}
.rate-process{margin-top:18px;padding:18px;border:1px solid #d6b44a;border-radius:8px;background:#0f110f}.rate-process h3{margin:0 0 14px;color:#d6b44a;text-align:center;text-transform:uppercase}.rate-process ol{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px;margin:0;padding:0;list-style:none}.rate-process li{display:grid;place-items:center;min-height:54px;border:1px solid rgba(214,180,74,.5);border-radius:999px;font-weight:950;text-align:center}
.rate-disclaimer{margin:18px 0 0;color:#d7d2c5;font-size:.78rem;line-height:1.5}
@media(max-width:900px){.rate-sheet-hero,.rate-impact-grid,.rate-sheet-contact,.rate-assumptions{grid-template-columns:1fr}.rate-process ol{grid-template-columns:1fr 1fr}.rate-sheet-section{padding:22px}}
@media(max-width:560px){.rate-sheet-hero h2{font-size:2.7rem}.rate-sheet-hero p:not(.eyebrow){font-size:1.55rem}.rate-sheet-banner{display:grid}.rate-process ol{grid-template-columns:1fr}}
.footer-compliance{display:flex;flex-wrap:wrap;align-items:center;gap:12px;color:#d7d2c5}.eho-mark{display:inline-flex;align-items:center;gap:8px;color:#d7d2c5}.eho-mark img{width:34px!important;height:24px!important;border-radius:0!important;filter:invert(1)!important;opacity:1}