*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{color:#1a202c;background:#f7fafc;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Oxygen,Ubuntu,Cantarell,Open Sans,Helvetica Neue,sans-serif;line-height:1.6}a{color:inherit;text-decoration:underline}a:hover{opacity:.8}.container{max-width:860px;margin:0 auto;padding:0 1.5rem}nav{z-index:100;background:var(--primary);position:sticky;top:0;box-shadow:0 2px 8px #00000026}.nav-inner{justify-content:space-between;align-items:center;max-width:1100px;margin:0 auto;padding:1rem 1.5rem;display:flex}.nav-brand{color:#fff;font-size:1.1rem;font-weight:700;text-decoration:none}.nav-links{gap:1.5rem;list-style:none;display:flex}.nav-links a{color:#ffffffd9;font-size:.9rem;text-decoration:none;transition:color .2s}.nav-links a:hover{color:#fff;opacity:1}.headshot-container{margin-bottom:1.5rem}.headshot{object-fit:cover;border:4px solid #ffffff80;border-radius:50%;width:140px;height:140px;box-shadow:0 4px 16px #0003}.hero{background:linear-gradient(135deg, var(--primary) 0%, var(--accent) 100%);color:#fff;text-align:center;padding:5rem 1.5rem 4rem}.hero h1{margin-bottom:.5rem;font-size:clamp(2rem,5vw,3rem);font-weight:800}.hero .title{opacity:.9;margin-bottom:1rem;font-size:1.1rem}.hero .tagline{opacity:.85;max-width:560px;margin:0 auto 2rem;font-size:1.2rem;font-style:italic}.badge-row{flex-wrap:wrap;justify-content:center;gap:.6rem;margin-bottom:2rem;display:flex}.badge{color:#fff;background:#ffffff2e;border:1px solid #ffffff59;border-radius:999px;padding:.3rem .85rem;font-size:.8rem;font-weight:500}.hero-cta{color:var(--primary);background:#fff;border-radius:6px;padding:.8rem 2rem;font-size:1rem;font-weight:700;text-decoration:none;transition:opacity .2s;display:inline-block}.hero-cta:hover{opacity:.9}.section{padding:3.5rem 1.5rem}.section:nth-child(2n){background:#fff}.section-title{color:var(--primary);border-bottom:3px solid var(--accent);margin-bottom:1.5rem;padding-bottom:.5rem;font-size:1.5rem;font-weight:700;display:inline-block}.card-grid{grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.25rem;margin-top:1.5rem;display:grid}.card{background:#fff;border:1px solid #e2e8f0;border-radius:10px;padding:1.5rem;box-shadow:0 1px 4px #0000000f}.card-icon{margin-bottom:.75rem;font-size:1.8rem}.card h3{color:var(--primary);margin-bottom:.4rem;font-size:1rem;font-weight:700}.card p{color:#4a5568;font-size:.9rem}.contact-block{background:var(--primary);color:#fff;text-align:center;border-radius:10px;padding:2rem}.contact-block h2{margin-bottom:.5rem;font-size:1.4rem}.contact-block p{opacity:.85;margin-bottom:1.25rem}.contact-links{flex-wrap:wrap;justify-content:center;gap:1rem;display:flex}.contact-link{color:#fff;background:#ffffff26;border:1px solid #ffffff4d;border-radius:6px;padding:.6rem 1.25rem;font-size:.95rem;font-weight:600;text-decoration:none;transition:background .2s}.contact-link:hover{opacity:1;background:#ffffff40}footer{color:#a0aec0;text-align:center;background:#1a202c;padding:2rem 1.5rem;font-size:.82rem}footer .footer-links{flex-wrap:wrap;justify-content:center;gap:1.25rem;margin-bottom:1rem;display:flex}footer .footer-links a{color:#cbd5e0;text-decoration:none}footer .footer-links a:hover{color:#fff;opacity:1}footer p+p{margin-top:.4rem}.policy-page{padding:3rem 1.5rem 5rem}.policy-page h1{color:var(--primary);margin-bottom:.4rem;font-size:2rem;font-weight:800}.policy-page .effective-date{color:#718096;margin-bottom:2.5rem;font-size:.9rem}.policy-page h2{color:var(--primary);margin:2rem 0 .6rem;font-size:1.15rem;font-weight:700}.policy-page p,.policy-page li{color:#2d3748;font-size:.97rem;line-height:1.75}.policy-page ul,.policy-page ol{margin-top:.4rem;padding-left:1.5rem}.policy-page li+li{margin-top:.3rem}.policy-page .info-box{border-left:4px solid var(--accent);background:#ebf4ff;border-radius:0 6px 6px 0;margin:1.5rem 0;padding:1rem 1.25rem}.policy-page .info-box p{margin:0}.keyword{letter-spacing:.05em;font-weight:800}hr.section-divider{border:none;border-top:1px solid #e2e8f0;margin:2rem 0}.ftb-steps{flex-direction:column;gap:1.5rem;margin-top:1.75rem;display:flex}.ftb-step{align-items:flex-start;gap:1.25rem;display:flex}.ftb-step-num{background:var(--primary);color:#fff;letter-spacing:.03em;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;width:2.75rem;height:2.75rem;font-size:.85rem;font-weight:800;display:flex}.ftb-step-content h3{color:var(--primary);margin-bottom:.3rem;font-size:1rem;font-weight:700}.ftb-step-content p{color:#4a5568;font-size:.92rem;line-height:1.65}.ftb-loans{grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.25rem;margin-top:1.75rem;display:grid}.ftb-loan-card{background:#fff;border:1px solid #e2e8f0;border-radius:10px;padding:1.5rem;box-shadow:0 1px 4px #0000000f}.ftb-loan-stats{gap:1.5rem;margin-bottom:.85rem;display:flex}.ftb-stat{flex-direction:column;gap:.15rem;display:flex}.ftb-stat-label{text-transform:uppercase;letter-spacing:.06em;color:#718096;font-size:.72rem;font-weight:600}.ftb-stat-value{color:var(--primary);font-size:1.15rem;font-weight:800}.ftb-faq{border:1px solid #e2e8f0;border-radius:10px;flex-direction:column;gap:0;margin-top:1.75rem;display:flex;overflow:hidden}.ftb-faq-item{border-bottom:1px solid #e2e8f0;padding:1.25rem 1.5rem}.ftb-faq-item:last-child{border-bottom:none}.ftb-faq-item h3{color:var(--primary);margin-bottom:.5rem;font-size:.97rem;font-weight:700}.ftb-faq-item p{color:#4a5568;font-size:.9rem;line-height:1.7}.ftb-schedule-block{background:linear-gradient(135deg, var(--primary) 0%, var(--accent) 100%);color:#fff;text-align:center;border-radius:12px;max-width:600px;margin:0 auto;padding:2.5rem 2rem}.ftb-schedule-icon{margin-bottom:.75rem;font-size:2.5rem}.ftb-schedule-block h2{margin-bottom:.75rem;font-size:1.6rem;font-weight:800}.ftb-schedule-block>p{opacity:.88;margin-bottom:1.75rem;font-size:.97rem;line-height:1.65}.ftb-schedule-btn{color:var(--primary);background:#fff;border-radius:8px;padding:.85rem 2.25rem;font-size:1rem;font-weight:700;text-decoration:none;transition:opacity .2s,transform .15s;display:inline-block;box-shadow:0 2px 8px #00000026}.ftb-schedule-btn:hover{opacity:.92;transform:translateY(-1px)}.ftb-schedule-alt{opacity:.8;margin-top:1.25rem!important;font-size:.88rem!important}.ftb-inline-link{color:#fff;font-weight:600;text-decoration:underline}.ftb-inline-link:hover{opacity:1}.ftb-checklist-grid{grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:1.5rem;display:grid}.ftb-checklist-card{background:#fff;border:1px solid #e2e8f0;border-radius:12px;padding:1.5rem;box-shadow:0 1px 4px #0000000f}.ftb-checklist-header{border-bottom:2px solid var(--primary);align-items:center;gap:.6rem;margin-bottom:1rem;padding-bottom:.75rem;display:flex}.ftb-checklist-header h3{color:var(--primary);margin:0;font-size:1rem;font-weight:700}.ftb-checklist-items{flex-direction:column;gap:.6rem;margin:0;padding:0;list-style:none;display:flex}.ftb-checklist-item{color:#2d3748;align-items:flex-start;gap:.6rem;font-size:.875rem;line-height:1.5;display:flex}.ftb-check-icon{color:#a0aec0;flex-shrink:0;margin-top:.05rem;font-size:1rem}@media (max-width:700px){.nav-inner{flex-direction:column;align-items:flex-start;gap:.6rem;padding:.85rem 1.25rem}.nav-links{flex-wrap:wrap;gap:.75rem 1.1rem}.nav-links a{font-size:.85rem}.hero{padding:3.5rem 1.25rem 3rem}.hero h1{font-size:clamp(1.6rem,7vw,2.4rem)}.hero .tagline{font-size:1rem}.headshot{width:110px;height:110px}.section{padding:2.5rem 1.25rem}.section-title{font-size:1.25rem}.card-grid{grid-template-columns:1fr}.contact-block{padding:1.5rem 1.25rem}.contact-links{flex-direction:column;align-items:center}.ftb-loans,.ftb-checklist-grid{grid-template-columns:1fr}.ftb-schedule-block{padding:2rem 1.25rem}.ftb-schedule-block h2{font-size:1.3rem}}
