:root{--navy:#07172f;--navy2:#0d2347;--gold:#d9a52e;--ink:#172033;--muted:#667085;--paper:#f6f8fb;--white:#fff;--line:#e5e9f0;--green:#0b6a56;--max:1160px}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.container{width:min(var(--max),92vw);margin:auto}
.topline{background:#031024;color:#d9e0ec;font-size:13px}
.topline .container{display:flex;justify-content:space-between;gap:16px;padding:8px 0}
.header{position:sticky;top:0;z-index:50;background:#07172ff7;color:#fff;backdrop-filter:blur(12px);box-shadow:0 4px 18px #0002}
.nav{height:76px;display:flex;align-items:center;gap:20px}
.brand{display:flex;align-items:center;gap:11px;margin-right:auto}
.brand img{width:44px;height:44px;object-fit:contain;border-radius:50%;background:#fff}
.brand b{font-family:Georgia,serif;letter-spacing:.05em}
.brand small{display:block;color:var(--gold);letter-spacing:.16em;font-size:10px}
.menu{display:flex;align-items:center;gap:18px;font-size:13px;font-weight:800}
.menu a:hover{color:var(--gold)}
.phone{padding:11px 14px;border-radius:7px;background:var(--gold);color:var(--navy);font-weight:900}
.hero{background:radial-gradient(circle at 85% 20%,#f4e8c8 0,#f8f7f3 25%,#fff 70%);border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;min-height:610px;padding:70px 0}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:12px;font-weight:900;color:#8b6514}
h1,h2{font-family:Georgia,serif;color:var(--navy);line-height:1.05}
h1{font-size:clamp(44px,6vw,72px);margin:12px 0 22px}
.accent{color:#a67712}
.lead{font-size:20px;color:#404b61;max-width:720px}
.proofbar{display:flex;flex-wrap:wrap;gap:10px;margin:24px 0}
.pill{background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 12px;font-size:13px;font-weight:800}
.ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.btn{display:inline-flex;justify-content:center;align-items:center;padding:14px 19px;border-radius:8px;font-weight:900;border:2px solid transparent;cursor:pointer}
.btn-primary{background:var(--navy);color:#fff}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}
.hero-card{background:var(--navy);color:#fff;border-radius:22px;padding:32px;box-shadow:0 24px 55px #07172f30}
.hero-card h2{color:#fff;font-size:36px;margin:6px 0 14px}
.hero-card .mini{color:#cfd6e3}
.check{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:20px 0}
.check span{background:#ffffff0e;border:1px solid #ffffff22;border-radius:9px;padding:11px}
.section{padding:72px 0}
.alt{background:var(--paper)}
.center{text-align:center}
.section h2{font-size:clamp(34px,4vw,48px);margin:0 0 12px}
.sub{font-size:18px;color:var(--muted);max-width:780px;margin:0 auto 34px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;box-shadow:0 8px 26px #07172f0b}
.card h3{font-size:22px;color:var(--navy);margin:6px 0 9px}
.card p{color:#566176}
.icon{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:#f7edcf;color:#7c5811;font-weight:900}
.link{font-weight:900;color:#8b6514}
.split{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.dark{background:linear-gradient(120deg,var(--navy),#102b56);color:#fff}
.dark h2{color:#fff}
.dark .sub,.dark p{color:#d8e0ec}
.feature-list{display:grid;gap:12px;margin:22px 0}
.feature-list div{padding:13px 14px;border-radius:10px;border:1px solid var(--line);background:#fff}
.dark .feature-list div{background:#ffffff0a;border-color:#ffffff22}
.review{font-family:Georgia,serif;font-size:24px;line-height:1.45}
.review cite{display:block;font-family:Inter,system-ui,sans-serif;font-size:14px;font-style:normal;margin-top:14px;color:#667085}
.cta-band{background:#f1e5bf}
.cta-band .container{display:flex;align-items:center;justify-content:space-between;gap:26px}
.footer{background:#031024;color:#d6deea;padding:42px 0}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:32px}
.footer h3{color:#fff;margin-top:0}
.footer a:hover{color:var(--gold)}
.fine{font-size:12px;color:#aeb8c8;max-width:900px;margin-top:28px}
.page-hero{background:var(--paper);border-bottom:1px solid var(--line);padding:70px 0}
.page-hero h1{font-size:clamp(42px,5vw,64px);max-width:900px}
.breadcrumbs{font-size:13px;color:#6c7689;margin-bottom:14px}
.content{max-width:840px}
.content h2{font-size:36px;margin-top:42px}
.content h3{color:var(--navy);font-size:23px}
.faq details{border-top:1px solid var(--line);padding:16px 0}
.faq summary{font-weight:900;cursor:pointer}
.sticky-mobile{display:none}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.notice{border-left:4px solid var(--gold);padding:14px 16px;background:#fff9e9;border-radius:6px}
.sitemap-list a{display:block;padding:8px 0;color:#8b6514;font-weight:800}

@media(max-width:900px){.menu{display:none}
.topline .container{display:block;text-align:center}
.hero-grid,.split,.grid-2,.footer-grid{grid-template-columns:1fr}
.hero-grid{min-height:auto;padding:52px 0}
.cards{grid-template-columns:1fr}
.cta-band .container{display:block;padding-top:28px;padding-bottom:28px}
.phone{display:none}
.sticky-mobile{display:flex;position:fixed;left:10px;right:10px;bottom:10px;z-index:60;gap:8px;background:#07172f;padding:8px;border-radius:10px;box-shadow:0 10px 30px #0004}
.sticky-mobile a{flex:1}
.check{grid-template-columns:1fr}
.section{padding:54px 0}
}


/* Accessibility and compliance enhancements */
.skip-link{position:absolute;left:-9999px;top:0;z-index:9999;background:#fff;color:#07172f;padding:12px 16px;border:3px solid #d9a52e;font-weight:900}
.skip-link:focus{left:12px;top:12px}

:focus-visible{outline:3px solid #f4c24f;outline-offset:3px;border-radius:4px}

a,button,.btn,summary{min-height:44px}
.menu a{display:inline-flex;align-items:center;padding:10px 2px}
.breadcrumbs a{text-decoration:underline;text-underline-offset:3px}
.content a:not(.btn),.footer a{text-decoration:underline;text-underline-offset:3px}
.fine{line-height:1.7}
.eho-wrap{display:flex;align-items:center;gap:14px;margin-top:22px}
.eho-logo{width:180px;max-width:45vw;height:auto}
.legal-links{display:flex;flex-wrap:wrap;gap:14px;margin-top:12px}
.legal-links a{font-size:13px}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}
*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
}

@media (forced-colors:active){.btn,.phone,.pill,.card{border:1px solid CanvasText}
.accent,.eyebrow,.link{forced-color-adjust:auto}
}


/* Expanded SEO/conversion build */
.utility-nav{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}
.utility-nav a{font-weight:800;color:#8b6514}

.page-grid{display:grid;grid-template-columns:2fr 1fr;gap:34px;align-items:start}
.side-card{position:sticky;top:110px}
.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.resource-card{display:flex;flex-direction:column}
.resource-card .link{margin-top:auto}
.review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.review-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px}
.review-stars{letter-spacing:.1em;color:#7a5a10;font-weight:900}
.city-links{display:flex;flex-wrap:wrap;gap:10px}
.city-links a{border:1px solid var(--line);border-radius:999px;padding:9px 13px;font-weight:800;background:#fff}
.cookie-banner{position:fixed;z-index:100;left:18px;right:18px;bottom:18px;max-width:980px;margin:auto;background:#07172f;color:#fff;border:1px solid #ffffff33;border-radius:14px;padding:18px;box-shadow:0 18px 60px #0006;display:none}
.cookie-banner.show{display:block}
.cookie-banner p{margin:0 0 12px;color:#e8edf6}
.cookie-actions{display:flex;gap:10px;flex-wrap:wrap}
.cookie-actions button{font:inherit}
.btn-secondary{background:#fff;color:#07172f;border-color:#fff}
.kpi{font-size:36px;font-family:Georgia,serif;color:#07172f;font-weight:900}
.table-wrap{overflow-x:auto}
.compare-table{width:100%;border-collapse:collapse}
.compare-table th,.compare-table td{border-bottom:1px solid var(--line);padding:14px;text-align:left;vertical-align:top}
.compare-table th{color:#07172f}
.case-card{border-left:4px solid var(--gold)}
.contact-box{background:#f7f9fc;border:1px solid var(--line);padding:22px;border-radius:14px}
.disclaimer-box{font-size:13px;color:#556174;background:#f7f9fc;padding:16px;border-radius:10px}
.footer-address{font-size:13px;color:#c1cada}
.analytics-note{display:none}

@media(max-width:900px){.page-grid,.resource-grid,.review-grid{grid-template-columns:1fr}
.side-card{position:static}
.cookie-banner{bottom:84px}
}



/* Expanded SEO / conversion system */
.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.resource-card{border:1px solid var(--line);border-radius:16px;padding:24px;background:#fff}
.resource-card h3{margin-top:4px}
.kicker{font-size:14px;font-weight:900;color:#8b6514;text-transform:uppercase;letter-spacing:.08em}
.city-links{display:flex;flex-wrap:wrap;gap:10px}
.city-links a{border:1px solid var(--line);border-radius:999px;padding:9px 12px;font-weight:800;background:#fff}
.article-list{display:grid;gap:14px}
.article-item{display:block;border:1px solid var(--line);border-radius:12px;padding:18px;background:#fff}
.article-item:hover{border-color:#b98920;box-shadow:0 7px 22px #07172f10}
.case{border-left:4px solid var(--gold);padding:18px 22px;background:#fff;border-radius:8px;margin:20px 0}
.case strong{color:var(--navy)}
.toc{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:20px}
.toc a{display:block;padding:5px 0}
.cookie-banner{position:fixed;left:16px;right:16px;bottom:16px;z-index:100;background:#fff;border:1px solid var(--line);box-shadow:0 16px 50px #0003;border-radius:14px;padding:18px;max-width:860px;margin:auto}
.cookie-banner[hidden]{display:none}
.cookie-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:12px}
.btn-secondary{background:#fff;border-color:#697386;color:#172033}
.trust-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fbfcfe}
.trust-strip .container{display:flex;justify-content:center;gap:28px;flex-wrap:wrap;padding:16px 0;font-size:13px;font-weight:800}
.form-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px}
.form-card label{font-weight:800;display:block;margin-top:12px}
.form-card input,.form-card select,.form-card textarea{width:100%;padding:12px;border:1px solid #aeb7c5;border-radius:8px;font:inherit}
.form-card textarea{min-height:110px}
.form-card input:focus,.form-card select:focus,.form-card textarea:focus{outline:3px solid #f4c24f;outline-offset:2px}
.metric-row{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.metric{border:1px solid var(--line);border-radius:14px;padding:18px;text-align:center;background:#fff}
.metric b{display:block;font-size:22px;color:var(--navy)}

@media(max-width:900px){.resource-grid,.metric-row{grid-template-columns:1fr}
.cookie-banner{bottom:86px}
.trust-strip .container{gap:10px 18px}
.city-links{gap:8px}
}


/* Mortgage AI */
.mike-hero-portrait{display:block;width:100%;height:315px;object-fit:cover;object-position:center 35%;margin:-6px 0 22px;border-radius:14px;box-shadow:0 12px 28px #0003}

.ai-chat-launcher{position:fixed;right:22px;bottom:22px;z-index:80;border:0;border-radius:999px;background:#6432a8;color:#fff;padding:14px 18px;box-shadow:0 12px 30px #0004;font:800 14px Arial,sans-serif;cursor:pointer}
.ai-chat-launcher span{color:#86efac;margin-right:7px}
.ai-chat-panel{position:fixed;right:22px;bottom:82px;z-index:90;width:min(410px,calc(100vw - 28px));height:min(650px,calc(100vh - 110px));display:none;flex-direction:column;background:#fff;border:1px solid #e5e7eb;border-radius:18px;overflow:hidden;box-shadow:0 24px 70px #0005}
.ai-chat-panel.open{display:flex}
.ai-chat-panel header{background:linear-gradient(115deg,#07172f,#6432a8);color:#fff;padding:16px 17px;display:flex;align-items:center;justify-content:space-between}
.ai-chat-panel header strong{display:block;font-size:19px}
.ai-chat-panel header small{display:block;margin-top:3px;color:#ece8f8}
.ai-chat-close{border:0;background:#ffffff1c;color:#fff;border-radius:50%;width:36px;height:36px;font-size:22px;cursor:pointer}
.ai-chat-messages{flex:1;overflow:auto;padding:16px;background:#f7f8fb;display:flex;flex-direction:column;gap:10px}
.ai-msg{max-width:86%;padding:11px 13px;border-radius:14px;line-height:1.45;font-size:14px;white-space:pre-wrap}
.ai-msg.assistant{background:#fff;border:1px solid #e4e7ec;align-self:flex-start}
.ai-msg.user{background:#6432a8;color:#fff;align-self:flex-end}
.ai-msg.typing{color:#667085;font-style:italic}
.ai-quick-replies{padding:0 12px 10px;background:#f7f8fb;display:flex;gap:7px;overflow:auto}
.ai-quick-replies button{white-space:nowrap;border:1px solid #ddd6ec;background:#fff;color:#4b2b76;border-radius:999px;padding:8px 10px;font-weight:700;cursor:pointer}
.ai-chat-form{display:grid;grid-template-columns:1fr auto;gap:8px;padding:10px;border-top:1px solid #eceef2}
.ai-chat-form textarea{min-height:44px;max-height:110px;resize:vertical;padding:10px;border:1px solid #ccd1da;border-radius:9px;font:inherit}
.ai-chat-form button{border:0;border-radius:9px;background:#6432a8;color:#fff;font-weight:800;padding:0 16px}
.ai-chat-form button:disabled{opacity:.55}
.ai-chat-disclaimer{margin:0;padding:0 12px 10px;color:#667085;font-size:11px;line-height:1.35}
.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}
@media(max-width:600px){.ai-chat-launcher{right:14px;bottom:76px}
.ai-chat-panel{right:0;bottom:0;width:100vw;height:100dvh;max-height:none;border-radius:0}
}

/* Keep Mortgage AI on the left so MyLiveChat can occupy the right side. */
.ai-chat-launcher{left:22px;right:auto}
.ai-chat-panel{left:22px;right:auto}
@media(max-width:600px){.ai-chat-launcher{left:14px;right:auto;bottom:76px}.ai-chat-panel{left:0;right:auto}}