:root{
  --bg:#EFF6FA; --surface:#FFFFFF; --ink:#0F222F; --muted:#2F6283; --line:#D8E9F3;
  --teal:#377FAF; --teal-text:#377FAF; --teal-ink:#FFFFFF; --amber:#FFFFFF; --dark:#377FAF; --dark-ink:#FFFFFF;
  box-sizing:border-box; padding-top:env(safe-area-inset-top,0px); padding-bottom:env(safe-area-inset-bottom,0px);
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --bg:#0A171F; --surface:#0F222F; --ink:#EFF6FA; --muted:#83B7D8; --line:#204A65;
  --teal:#377FAF; --teal-text:#377FAF; --teal-ink:#FFFFFF; --dark:#377FAF; --dark-ink:#FFFFFF;}}
:root[data-theme="dark"]{--bg:#0A171F; --surface:#0F222F; --ink:#EFF6FA; --muted:#83B7D8; --line:#204A65;--teal:#377FAF; --teal-text:#377FAF; --teal-ink:#FFFFFF; --dark:#377FAF; --dark-ink:#FFFFFF;}
html{scroll-padding-top:env(safe-area-inset-top,0px);scroll-behavior:smooth}
*,*::before,*::after{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);font:400 17px/1.6 "Poppins",system-ui,sans-serif}
h1,h2,h3{font-family:"Poppins",system-ui,sans-serif;line-height:1.08;margin:0;letter-spacing:-.02em}
a{color:inherit}
:focus-visible{outline:3px solid var(--teal);outline-offset:3px}
.scorebox :focus-visible,.cta :focus-visible{outline-color:#FFFFFF}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
header{border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:18px 0}
.logo{display:block;line-height:0}
.logo img{height:52px;width:auto;display:block}
.logo .d{display:none}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .logo .l{display:none}:root:not([data-theme="light"]) .logo .d{display:block}}
:root[data-theme="dark"] .logo .l{display:none}:root[data-theme="dark"] .logo .d{display:block}
nav{display:flex;gap:24px;align-items:center;font-weight:500;font-size:15px}
nav a{text-decoration:none}
nav a:hover{text-decoration:underline}
.btn{display:inline-block;padding:13px 22px;border-radius:6px;font-weight:600;text-decoration:none;font-size:16px;border:2px solid var(--teal);background:var(--teal);color:var(--teal-ink)}
.btn.alt{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn:hover{filter:brightness(1.08)}
.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;padding:72px 0 80px}
.hero h1{font-size:clamp(40px,6vw,68px);font-weight:800}
.hero p.lead{font-size:20px;color:var(--muted);max-width:34em;margin:22px 0 32px}
.ctas{display:flex;gap:12px;flex-wrap:wrap}
.note{font-size:14px;color:var(--muted);margin-top:18px}
.scorebox{background:var(--dark);color:var(--dark-ink);border-radius:10px;padding:32px}
.scorebox label{font-size:15px;color:rgba(255,255,255,.92)}
.score{font:800 clamp(72px,12vw,112px)/1 "Poppins",sans-serif;letter-spacing:-.04em;margin:6px 0 4px}
.score small{font-size:22px;font-weight:500;color:rgba(255,255,255,.88);letter-spacing:0;margin-left:8px}
input[type=range]{width:100%;accent-color:var(--amber);margin:14px 0 4px;height:32px}
.scale{display:flex;justify-content:space-between;font-size:13px;color:rgba(255,255,255,.88)}
.tier{margin:20px 0 0;padding-top:18px;border-top:1px solid rgba(255,255,255,.4);min-height:84px}
.tier strong{display:block;font:700 19px "Poppins",sans-serif;color:#fff;margin-bottom:4px}
.tier span{font-size:15px;color:#fff}
section{padding:72px 0}
.band{background:var(--surface);border-block:1px solid var(--line)}
h2{font-size:clamp(30px,4vw,44px);font-weight:700;max-width:18em}
.sub{color:var(--muted);max-width:38em;margin:14px 0 40px}
.programs{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--line);border-radius:10px;overflow:hidden;background:var(--surface)}
.prog{padding:32px 28px;border-right:1px solid var(--line)}
.prog:last-child{border-right:0}
.prog h3{font-size:30px;font-weight:800}
.prog .tag{font-weight:600;color:var(--teal-text);font-size:15px;margin:6px 0 16px}
.prog ul{padding-left:20px;margin:0;color:var(--muted)}
.prog li{margin-bottom:8px}
.why{display:grid;grid-template-columns:repeat(2,1fr);gap:40px 56px}
.why h3{font-size:22px;margin-bottom:8px;font-weight:700}
.why p{margin:0;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;counter-reset:s;padding:0;list-style:none;margin:0}
.steps li{counter-increment:s;border-top:4px solid var(--teal);padding-top:18px}
.steps li::before{content:"Step " counter(s);display:block;font-weight:600;color:var(--teal-text);font-size:15px;margin-bottom:6px}
.steps h3{font-size:22px;margin-bottom:6px}
.steps p{margin:0;color:var(--muted)}
.cta{background:var(--dark);color:var(--dark-ink);text-align:left}
.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.cta h2{max-width:14em}
.cta p{color:rgba(255,255,255,.95);margin:12px 0 0}
.cta .btn{background:var(--amber);border-color:var(--amber);color:#0F222F}
footer{padding:40px 0 48px;font-size:13px;color:var(--muted)}
footer p{max-width:62em;margin:0 0 12px}
@media (max-width:860px){
  .hero{grid-template-columns:1fr;gap:40px;padding:48px 0}
  .programs{grid-template-columns:1fr}
  .prog{border-right:0;border-bottom:1px solid var(--line)}
  .prog:last-child{border-bottom:0}
  .why,.steps{grid-template-columns:1fr}
  nav a:not(.btn){display:none}
  section{padding:56px 0}
}

.mapwrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:center}
.mapwrap.lic2{grid-template-columns:1.2fr .8fr;align-items:start}
.stat{font:800 clamp(72px,11vw,120px)/1 "Poppins",sans-serif;letter-spacing:-.04em;color:var(--teal)}
.mapwrap svg{width:100%;height:auto;display:block}
.mapwrap svg path,.mapwrap svg circle{stroke:var(--bg);stroke-width:1.4;stroke-linejoin:round;transition:filter .15s}
.mapwrap svg text{font:600 17px "Poppins",sans-serif;text-anchor:middle;dominant-baseline:central;pointer-events:none}
.mapwrap svg g.on path,.mapwrap svg g.on circle{fill:var(--teal);cursor:pointer}
.mapwrap svg g.on text{fill:var(--teal-ink)}
.mapwrap svg g.off path,.mapwrap svg g.off circle{fill:var(--line)}
.mapwrap svg g.off text{fill:var(--muted)}
.mapwrap svg g.on:hover path,.mapwrap svg g.on:hover circle{filter:brightness(1.15)}
.mapwrap svg g.sel path,.mapwrap svg g.sel circle,.mapwrap svg g:focus-visible path,.mapwrap svg g:focus-visible circle{stroke:var(--ink);stroke-width:3}
@media (max-width:600px){.mapwrap svg text{display:none}}
svg g:focus{outline:none}
.legend{display:flex;gap:22px;font-size:14px;color:var(--muted);margin-top:14px;flex-wrap:wrap}
.legend i{display:inline-block;width:14px;height:14px;border-radius:3px;margin-right:6px;vertical-align:-2px}
.detail{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:24px;min-height:200px}
.detail h3{font-size:28px;margin-bottom:10px}
.detail p{margin:0 0 10px;color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.lic{background:var(--surface);border:1px solid var(--line);border-radius:8px;padding:18px 20px}
.lic h3{font-size:20px;margin-bottom:6px}
.lic p{margin:0;color:var(--muted);font-size:15px}
.lic p.fine{font-size:13px;margin-top:10px}
.lic.wide{grid-column:1/-1}
.detail details{margin-top:8px}
.detail p.fine{font-size:14px}
.find{width:100%;max-width:420px;padding:12px 14px;font:inherit;border:2px solid var(--line);border-radius:6px;background:var(--surface);color:var(--ink);margin:0 0 24px}
.page-h{padding:56px 0 8px}
.page-h p{color:var(--muted);max-width:40em;margin:14px 0 0}
.page-h a,.cta a.tx,.mapwrap a.tx{color:var(--teal-text);font-weight:600}
@media (max-width:860px){.mapwrap,.mapwrap.lic2{grid-template-columns:1fr;gap:32px}.cards{grid-template-columns:1fr}}
@media (min-width:861px){.programs.two{grid-template-columns:repeat(2,1fr)}}
.frow{padding:16px 0;border-top:1px solid #204A65}
.frow strong{display:block;font:800 30px/1.1 "Poppins",sans-serif;letter-spacing:-.02em}
.frow span{color:#B1D2E7;font-size:15px}
.fnote{margin:6px 0 0;padding-top:16px;border-top:1px solid #204A65;color:var(--amber);font-weight:600;font-size:15px}

button.btn{font:inherit;font-weight:600;cursor:pointer}
.f{display:grid;gap:14px}
.f input,.f textarea{width:100%;padding:14px 16px;font:inherit;border:1.5px solid var(--line);border-radius:6px;background:var(--surface);color:var(--ink)}
.f input::placeholder,.f textarea::placeholder{color:var(--muted);opacity:.8}
.f textarea{min-height:130px;resize:vertical}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.f .btn{justify-self:start;border-radius:6px}
.ok{margin:0;color:var(--muted);font-size:15px}
dialog{border:0;border-radius:12px;padding:32px;width:min(680px,calc(100vw - 32px));max-height:calc(100dvh - 32px);overflow:auto;background:var(--surface);color:var(--ink)}
dialog::backdrop{background:rgba(12,36,51,.65)}
dialog h2{font-size:clamp(34px,5vw,46px);font-weight:700;margin-bottom:22px}
dialog h2 span{color:var(--teal)}
dialog .x{position:absolute;top:14px;right:16px;background:none;border:0;font-size:30px;line-height:1;color:var(--ink);cursor:pointer;padding:6px 10px}
.contact{display:grid;grid-template-columns:1.2fr .8fr;gap:64px;padding:56px 0 80px;align-items:start}
.contact h1{font-size:clamp(30px,4vw,42px);font-weight:700;margin-bottom:28px}
.cinfo{display:grid;gap:26px;padding-top:8px}
.cinfo div{display:flex;gap:18px;align-items:flex-start;font-size:19px}
.cinfo svg{flex:none;width:28px;height:28px;color:var(--teal);margin-top:2px}
.cinfo a{text-decoration:none;word-break:break-word}
.legal{max-width:780px;padding:56px 24px 80px}
.legal h1{font-size:clamp(34px,5vw,52px);font-weight:800;margin-bottom:24px}
.legal h2{font-size:22px;font-weight:700;margin:34px 0 10px}
.legal p,.legal li{margin:0 0 14px}
.legal ul{padding-left:22px;margin:0 0 14px}
.legal a{color:var(--teal-text)}
.cards{grid-auto-flow:row dense}
.lic details{margin-top:8px}
.lic summary{cursor:pointer;color:var(--teal-text);font-weight:600;font-size:15px}
.social{display:flex;gap:14px;margin:0 0 18px}
.social a{display:inline-flex;width:40px;height:40px;border-radius:50%;background:var(--teal);color:#fff;align-items:center;justify-content:center}
.social svg{width:20px;height:20px;fill:currentColor}
.flinks{display:flex;gap:8px 20px;flex-wrap:wrap;margin:0 0 14px}
.flinks a{color:var(--ink);font-weight:500}
@media (max-width:860px){.contact{grid-template-columns:1fr;gap:36px;padding:40px 0 56px}.row2{grid-template-columns:1fr}}

.util{background:#0F222F;color:#fff;font-size:14px}
.util .wrap{display:flex;gap:24px;justify-content:flex-end;padding-top:8px;padding-bottom:8px}
.util a{text-decoration:none;color:#fff}.util a:hover{text-decoration:underline}
header.main{position:sticky;top:0;z-index:20;background:var(--surface)}
.burger{display:none;font:inherit;font-weight:600;background:none;border:2px solid var(--line);border-radius:6px;padding:8px 14px;color:var(--ink);cursor:pointer}
nav .btn{padding:10px 18px;font-size:15px}
.hero2{position:relative;color:#fff;background:#0F222F;padding:0}
.track{display:grid}
.slide{grid-area:1/1;opacity:0;visibility:hidden;transition:opacity .6s,visibility .6s;background:linear-gradient(115deg,#0F222F 0%,#1F5A80 55%,#377FAF 100%)}
.slide.s2{background:linear-gradient(115deg,#0F222F 0%,#2A6D97 50%,#377FAF 100%)}
.slide.s3{background:linear-gradient(115deg,#17364A 0%,#2E75A3 55%,#377FAF 100%)}
.slide.on{opacity:1;visibility:visible}
.sl{display:grid;grid-template-columns:1.1fr .9fr;gap:32px;align-items:center;min-height:460px;padding-top:56px;padding-bottom:84px}
.slide h2{font-size:clamp(38px,6vw,72px);font-weight:800;max-width:11em;color:#fff}
.slide p{font-size:clamp(17px,2vw,22px);max-width:30em;margin:18px 0 28px;color:rgba(255,255,255,.95)}
.btn.go{background:var(--amber);border-color:var(--amber);color:#0F222F}
.art svg{width:100%;max-width:420px;margin-left:auto;display:block}
.art .n{font:800 150px "Poppins",sans-serif;fill:none;stroke:rgba(255,255,255,.85);stroke-width:3;text-anchor:middle;letter-spacing:-6px}
.art .l{font:700 34px "Poppins",sans-serif;fill:#fff;text-anchor:middle;letter-spacing:6px}
.art .sh{fill:rgba(255,255,255,.12);stroke:#fff;stroke-width:4}
.art .ck{fill:none;stroke:var(--amber);stroke-width:16;stroke-linecap:round;stroke-linejoin:round}
.ctl{position:absolute;left:0;right:0;bottom:22px;display:flex;align-items:center;gap:12px}
.ctl button{font:inherit;font-size:15px;font-weight:600;color:#fff;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.5);border-radius:6px;min-width:44px;height:40px;padding:0 12px;cursor:pointer}
.ctl button:hover{background:rgba(255,255,255,.28)}
.ctl #prev,.ctl #next{font-size:26px;line-height:1}
.dots{display:flex;gap:10px;margin-right:auto;margin-left:6px}
.dots button{min-width:0;width:34px;height:8px;padding:0;border-radius:4px;border:0;background:rgba(255,255,255,.4)}
.dots button[aria-current="true"]{background:var(--amber)}
.strip{background:var(--surface);border-bottom:1px solid var(--line);padding:0}
.strip .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.strip a{padding:22px 20px;text-decoration:none;border-right:1px solid var(--line);display:block}
.strip a:first-child{border-left:1px solid var(--line)}
.strip a:hover{background:var(--bg)}
.strip strong{color:#377FAF;display:block;font:800 22px "Poppins",sans-serif}
.strip span{font-size:14px;color:var(--muted)}
.scoregrid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.scoregrid h2{margin-bottom:14px}
@media (max-width:860px){
 .util .wrap{justify-content:center;gap:14px;font-size:13px;flex-wrap:wrap}
 .burger{display:block}
 nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--surface);border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;padding:16px 24px;gap:14px}
 nav.open{display:flex}
 nav a:not(.btn){display:block!important}
 .sl{grid-template-columns:1fr;min-height:520px;padding-top:40px}
 .art{display:none}
 .strip .wrap{grid-template-columns:1fr 1fr}
 .scoregrid{grid-template-columns:1fr;gap:32px}
}
@media (prefers-reduced-motion:reduce){.slide{transition:none}}

.slide.s1{background:linear-gradient(115deg,#0A171F 0%,#17364A 60%,#2A6D97 100%)}
.slide.s1::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(-14deg,rgba(255,255,255,.055) 0 38px,transparent 38px 76px);pointer-events:none}
.slide.s2{background:linear-gradient(115deg,#2A6D97 0%,#377FAF 55%,#549CC9 100%)}
.slide.s2::before{content:"";position:absolute;left:0;right:0;bottom:0;height:46%;background:linear-gradient(0deg,rgba(255,255,255,.12),transparent);pointer-events:none}
.slide.s3{background:radial-gradient(circle at 78% 45%,#377FAF 0,#17364A 48%,#0A171F 100%)}
.slide{position:relative;overflow:hidden}
.slide .sl{position:relative}
.art svg{max-width:400px}
.btn.go{background:#fff;border-color:#fff;color:#0F222F}
.btn.go:hover{filter:none;background:#D8E9F3;border-color:#D8E9F3}
.dots button[aria-current="true"]{background:#fff}
.slide.s2 h2,.slide.s2 p{text-shadow:0 1px 14px rgba(12,36,51,.35)}
.slide{opacity:0}.slide.on{opacity:1}

.slide{background-image:var(--photo,none);background-size:cover;background-position:center}
.slide.s1{background-color:#17364A;background-image:radial-gradient(circle at 92% 108%,rgba(255,255,255,.14) 0 230px,transparent 231px),radial-gradient(circle at 92% 108%,rgba(255,255,255,.08) 0 330px,transparent 331px),linear-gradient(110deg,#0F222F 0%,#1F5A80 70%,#2A6D97 100%)}
.slide.s2{background-color:#377FAF;background-image:radial-gradient(circle at 8% -10%,rgba(255,255,255,.16) 0 210px,transparent 211px),radial-gradient(circle at 96% 20%,rgba(255,255,255,.10) 0 260px,transparent 261px),linear-gradient(110deg,#2A6D97 0%,#377FAF 100%)}
.slide.s3{background-color:#0F222F;background-image:radial-gradient(circle at 80% 50%,rgba(55,127,175,.55) 0 200px,transparent 201px),radial-gradient(circle at 80% 50%,rgba(55,127,175,.25) 0 320px,transparent 321px),linear-gradient(110deg,#0A171F 0%,#17364A 100%)}
.slide.s1::before,.slide.s2::before{display:none}
.pill{display:inline-block;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.5);color:#fff;border-radius:999px;padding:6px 16px;font-weight:700;font-size:15px;margin-bottom:18px}
.slide h2{font-weight:900;letter-spacing:-.03em}
.art{display:flex;justify-content:flex-end}
.spec{background:#fff;color:var(--ink);border-radius:16px;padding:28px 30px;width:min(100%,420px);box-shadow:0 18px 50px rgba(10,23,31,.35)}
.spec h3{font-size:22px;color:#377FAF;margin-bottom:14px}
.spec ul{list-style:none;margin:0;padding:0}
.spec li{padding:14px 0 14px 38px;border-top:1px solid var(--line);font-weight:700;font-size:18px;position:relative;color:var(--ink)}
.spec li::before{content:"";position:absolute;left:0;top:50%;width:24px;height:24px;margin-top:-12px;border-radius:50%;background:#377FAF url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.500 12.500l4 4 7-8' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/18px no-repeat}
nav .btn.alt{padding:8px 16px;font-size:15px;border-width:2px;border-color:#377FAF;color:#377FAF}
@media (max-width:860px){.art{display:none}}

.slide.s2{--pop:#FFA630}.slide.s1{--pop:#FF6B5E}.slide.s3{--pop:#3DD9A0}
.slide.s2{background-color:#377FAF;background-image:radial-gradient(circle at 8% -10%,rgba(255,255,255,.16) 0 210px,transparent 211px),radial-gradient(circle at 96% 20%,rgba(255,255,255,.10) 0 260px,transparent 261px),linear-gradient(110deg,#2A6D97 0%,#377FAF 100%)}
.slide.s1{background-color:#377FAF;background-image:radial-gradient(circle at 4% 112%,rgba(255,255,255,.17) 0 250px,transparent 251px),radial-gradient(circle at 60% -18%,rgba(255,255,255,.10) 0 200px,transparent 201px),linear-gradient(250deg,#2A6D97 0%,#377FAF 100%)}
.slide.s3{background-color:#377FAF;background-image:radial-gradient(circle at 82% 50%,rgba(255,255,255,.12) 0 230px,transparent 231px),radial-gradient(circle at 82% 50%,rgba(255,255,255,.08) 0 340px,transparent 341px),linear-gradient(110deg,#2E75A3 0%,#377FAF 55%,#2A6D97 100%)}
.slide::after{content:"";position:absolute;border-radius:50%;background:var(--pop);pointer-events:none}
.slide.s2::after{width:150px;height:150px;left:46%;bottom:-60px;opacity:.95}
.slide.s1::after{width:120px;height:120px;right:36%;top:-40px}
.slide.s3::after{width:150px;height:150px;left:42%;bottom:-70px;opacity:.95}
.slide .pill{background:var(--pop);border-color:var(--pop);color:#0F222F}
.btn.go{background:var(--pop);border-color:var(--pop);color:#0F222F}
.btn.go:hover{background:var(--pop);border-color:var(--pop);filter:brightness(1.08)}
.slide .spec li::before{background-color:var(--pop);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.500 12.500l4 4 7-8' fill='none' stroke='%230F222F' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.slide .spec{border-top:6px solid var(--pop)}
.slide .sl{z-index:1}

.slide.s2::after{display:none}
/* VA: mirrored layout, flag-stripe field, pop divider */
.slide.s1{background-image:repeating-linear-gradient(-16deg,rgba(255,255,255,.07) 0 46px,transparent 46px 92px),linear-gradient(250deg,#2A6D97 0%,#377FAF 100%)}
.slide.s1 .sl{grid-template-columns:.85fr 1.15fr}
.slide.s1 .art{order:-1;justify-content:flex-start}
.slide.s1 .txt{padding-left:24px}
.slide.s1::after{width:14px;height:130%;border-radius:0;left:43.400%;top:-15%;right:auto;transform:rotate(5deg);opacity:1}
/* IRRRL: dot grid, rings, dark card */
.slide.s3{background-image:radial-gradient(rgba(255,255,255,.22) 2px,transparent 2.5px),radial-gradient(circle at 82% 50%,rgba(255,255,255,.10) 0 230px,transparent 231px),linear-gradient(110deg,#2E75A3 0%,#377FAF 55%,#2A6D97 100%);background-size:30px 30px,auto,auto}
.slide.s3 .spec{background:#0F222F;color:#fff;border-top:0;border-left:8px solid var(--pop)}
.slide.s3 .spec h3{color:var(--pop)}
.slide.s3 .spec li{color:#fff;border-top-color:rgba(255,255,255,.2)}
.slide.s3::after{display:none}

/* no accent colors: all banners blue + white */
.slide::after{display:none!important}
.slide .pill{background:rgba(255,255,255,.18);border-color:rgba(255,255,255,.55);color:#fff}
.btn.go,.btn.go:hover{background:#fff;border-color:#fff;color:#0F222F}
.btn.go:hover{background:#D8E9F3;border-color:#D8E9F3;filter:none}
.slide .spec{border-top:0}
.slide .spec li::before{background-color:#377FAF;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.500 12.500l4 4 7-8' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.slide.s3 .spec{border-left:0}
.slide.s3 .spec h3{color:#83B7D8}
.slide.s3 .spec li::before{background-color:#377FAF}
/* VA: waving flag stripes + star canton */
.slide.s1{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='240' height='120'%3E%3Cpath d='M0 36Q60 14 120 36T240 36V66Q180 88 120 66T0 66Z' fill='white' fill-opacity='.09'/%3E%3C/svg%3E"),linear-gradient(250deg,#2A6D97 0%,#377FAF 100%);background-size:240px 120px,auto;background-repeat:repeat,no-repeat}
.slide.s1::before{display:none;content:"";position:absolute;left:0;top:0;width:34%;height:58%;background:radial-gradient(rgba(255,255,255,.55) 2.200px,transparent 2.800px) 0 0/34px 30px,rgba(15,34,47,.30);border-radius:0 0 28px 0;pointer-events:none}
.slide.s1 .sl{z-index:1}
.slide h2{font-size:clamp(36px,5vw,62px)}

/* VA: card on the right like FHA, dot-grid background */
.slide.s1 .sl{grid-template-columns:1.1fr .9fr}
.slide.s1 .art{order:0;justify-content:flex-end}
.slide.s1 .txt{padding-left:0}
.slide.s1{background-image:radial-gradient(rgba(255,255,255,.22) 2px,transparent 2.5px),radial-gradient(circle at 12% 105%,rgba(255,255,255,.12) 0 240px,transparent 241px),linear-gradient(250deg,#2A6D97 0%,#377FAF 100%);background-size:30px 30px,auto,auto;background-repeat:repeat,no-repeat,no-repeat}

.logo{display:block;line-height:0}
.logo svg{height:54px;width:auto;display:block}
.logo .lb{fill:#377FAF}.logo .lt{fill:#686968}
.logo img{display:none}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .logo .lt{fill:#EFF6FA}}
:root[data-theme="dark"] .logo .lt{fill:#EFF6FA}
/* FHA copy on two lines */
.slide.s2 .txt p .ln{display:block}
/* Conventional: angled bands instead of dots */
.slide.s3{background-image:linear-gradient(115deg,transparent 0 46%,rgba(255,255,255,.07) 46% 62%,transparent 62% 69%,rgba(255,255,255,.05) 69% 84%,transparent 84% 100%),linear-gradient(110deg,#2E75A3 0%,#377FAF 55%,#2A6D97 100%);background-size:auto;background-repeat:no-repeat}

.ctl{z-index:5}
.ctl button{position:relative}
.slide.s4{background-color:#377FAF;background-image:radial-gradient(circle at 74% 50%,transparent 0 236px,rgba(255,255,255,.30) 237px 240px,transparent 241px),radial-gradient(circle at 88% 50%,transparent 0 236px,rgba(255,255,255,.30) 237px 240px,transparent 241px),radial-gradient(circle at 74% 50%,rgba(255,255,255,.05) 0 238px,transparent 239px),linear-gradient(110deg,#2A6D97 0%,#377FAF 100%);background-repeat:no-repeat}
.slide.s4 .spec{background:#fff;color:var(--ink);border-left:0}
.slide.s4 .spec h3{color:#377FAF}
.slide.s4 .spec li{color:var(--ink);border-top-color:var(--line)}

.cards{grid-template-columns:1fr!important;max-width:820px}
.lic.wide{grid-column:auto}

.nav{padding-left:24px;padding-right:24px}
.dots button{position:relative}
.dots button::after{content:"";position:absolute;inset:-16px -5px}

.fld{min-width:0}
.err{margin:6px 2px 0;font-size:14px;color:#B42318;font-weight:600}
.f input[aria-invalid="true"]{border-color:#B42318}
.f input:focus-visible,.f textarea:focus-visible{outline:3px solid #377FAF;outline-offset:1px}
.thanks{padding:8px 0 4px}.thanks h3{font-size:26px;margin-bottom:8px;color:#377FAF}.thanks p{margin:0;color:var(--muted)}

.contact{padding-left:24px;padding-right:24px}
.page-h{padding-left:24px;padding-right:24px}
nav{gap:20px}nav a,nav .btn{white-space:nowrap}
@media (max-width:1100px){
 .burger{display:block}
 nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--surface);border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;padding:16px 24px;gap:14px;z-index:30}
 nav.open{display:flex}
 nav a:not(.btn){display:block!important}
}
@media (max-width:860px){.contact{padding-left:24px;padding-right:24px}}
.sr-only{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ===== Portal theme (matches broker portal) ===== */
:root{--bg:#F4F5F9;--surface:#FFFFFF;--ink:#222529;--muted:#5B6573;--line:#E6E9F0;--or:#CC5C1E;--or-h:#B84F15;
 --sh:0 4px 22px rgba(30,45,90,.07);--c1:#BB5A49;--c2:#54A4B1;--c3:#6582C8;--c4:#8A9A1B}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--bg:#F4F5F9;--surface:#FFFFFF;--ink:#222529;--muted:#5B6573;--line:#E6E9F0}}
:root[data-theme="dark"]{--bg:#F4F5F9;--surface:#FFFFFF;--ink:#222529;--muted:#5B6573;--line:#E6E9F0}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .logo .lt{fill:#686968}}
:root[data-theme="dark"] .logo .lt{fill:#686968}
body{font-size:16px}
h1,h2,h3{letter-spacing:-.015em}
header.main{border-bottom:0;box-shadow:0 2px 12px rgba(30,45,90,.08);background:var(--bg)}
.logo{position:relative}
.logo::before{content:"";position:absolute;z-index:-1;top:-12px;bottom:-12px;left:-100vw;right:-10px;background:#fff}
.logo svg{position:relative;height:40px}
.nav{padding-top:0;padding-bottom:0;min-height:68px}
.logo{align-self:stretch;display:flex;align-items:center}
.logo::before{top:0;bottom:0}
@media (max-width:860px){.logo::before{right:-16px}}
.nav,.wrap.nav{padding:0 28px 0 24px;max-width:none}
nav{gap:6px;font-size:15px;font-weight:500;color:#4A5362}
nav a:not(.btn){padding:9px 14px;border-radius:8px;transition:background .15s,color .15s}
nav a:not(.btn):hover{background:#FBEBE2;color:var(--or);text-decoration:none}
.btn{background:var(--or);border-color:var(--or);color:#fff;border-radius:8px;font-weight:600}
.btn:hover{filter:none;background:var(--or-h);border-color:var(--or-h)}
.btn.alt,nav .btn.alt{background:transparent;color:#377FAF;border-color:#377FAF}
.btn.alt:hover,nav .btn.alt:hover{background:#EAF3F9;border-color:#377FAF;filter:none}
nav .btn{padding:10px 20px}
.btn.go,.btn.go:hover{background:var(--or);border-color:var(--or);color:#fff}
.btn.go:hover{background:var(--or-h);border-color:var(--or-h)}
.hero2{background:var(--bg)}
.slide .spec{border-radius:20px;box-shadow:0 18px 50px rgba(10,23,31,.28)}
.slide.s3 .spec,.slide.s4 .spec{background:#fff;color:var(--ink)}
.slide.s3 .spec h3{color:#377FAF}.slide.s3 .spec li{color:var(--ink);border-top-color:var(--line)}
.ctl button{border-radius:8px}
.strip{background:var(--bg);border:0;padding:28px 0 0}
.strip .wrap{gap:20px}
.strip a,.strip a:first-child{background:#fff;border:0;border-radius:20px;box-shadow:var(--sh);padding:22px 24px;transition:transform .15s,box-shadow .15s}
.strip a:hover{background:#fff;transform:translateY(-2px);box-shadow:0 8px 28px rgba(30,45,90,.12)}
.strip strong{font-size:22px;font-weight:700}
.strip a:nth-child(1) strong{color:var(--c3)}.strip a:nth-child(2) strong{color:var(--c2)}.strip a:nth-child(3) strong{color:var(--c4)}.strip a:nth-child(4) strong{color:var(--c1)}
.band{background:transparent;border:0}
#scorecheck{padding:56px 0 24px}
.scoregrid{max-width:1072px;width:calc(100% - 48px);margin-left:auto;margin-right:auto;background:linear-gradient(100deg,#fff 0%,#E4F4FF 100%);border-radius:24px;box-shadow:var(--sh);padding:48px;gap:48px}
.scorebox{border-radius:20px}
input[type=range]{accent-color:#fff}
section{padding:56px 0}
.programs{border:0;border-radius:20px;box-shadow:var(--sh);background:#fff}
.prog{border-right-color:var(--line)}
.prog:nth-child(1) h3{color:var(--c3)}.prog:nth-child(2) h3{color:var(--c2)}.prog:nth-child(3) h3{color:var(--c4)}
.steps li{background:#fff;border:0;border-radius:20px;box-shadow:var(--sh);padding:28px;border-top:0;border-left:5px solid #377FAF}
.steps li::before{color:var(--or)}
.detail,.lic{border:0;border-radius:20px;box-shadow:var(--sh);padding:24px}
.cinfo svg{color:#377FAF}
.f input,.f textarea,.find{border:1.5px solid #DDE2EA;border-radius:10px;background:#fff}
.f input:focus,.f textarea:focus,.find:focus{outline:none;border-color:#377FAF;box-shadow:0 0 0 3px rgba(55,127,175,.18)}
.contact>div:first-child,.legal{background:#fff;border-radius:20px;box-shadow:var(--sh)}
.contact>div:first-child{padding:32px}
.legal{margin:32px auto 56px;padding:44px 40px}
dialog{border-radius:20px}
html,body{overflow-x:hidden}
.cta{background:linear-gradient(100deg,#2A6D97 0%,#377FAF 100%);border-radius:24px;margin:24px auto 56px;max-width:1072px;width:calc(100% - 48px)}
.cta .btn{background:var(--or);border-color:var(--or);color:#fff}
.cta .btn:hover{background:var(--or-h);border-color:var(--or-h)}
.social a{background:#377FAF}
.social a:hover{background:var(--or)}
footer{background:#fff;border-top:1px solid var(--line);margin-top:24px}
@media (max-width:860px){.scoregrid{padding:28px 22px;width:calc(100% - 32px)}.cta{margin:16px auto 40px;border-radius:20px;width:calc(100% - 32px)}.cta .wrap{padding:28px 22px}.strip .wrap{gap:12px;grid-template-columns:repeat(2,minmax(0,1fr))}.strip a{padding:18px 16px!important}.strip strong{font-size:18px}.legal{margin:16px 12px 40px;padding:28px 22px}}

/* ===== header logo block (matches portal) ===== */
.nav,.wrap.nav{padding:0 28px 0 0;max-width:none;min-height:68px}
.logo{flex:none;width:217px;padding-left:40px;box-sizing:border-box;background:#fff;align-self:stretch;display:flex;align-items:center}
.logo::before{display:none}
@media (max-width:860px){.nav,.wrap.nav{padding-right:16px}.logo{width:auto;padding:0 20px 0 16px}}
/* ===== modern inset banners ===== */
.hero2{margin:22px 48px 0;border-radius:28px;overflow:hidden;background:#fff;color:var(--ink);box-shadow:var(--sh)}
@media (max-width:860px){.hero2{margin:12px 12px 0;border-radius:22px}}
.hero2 .sl{min-height:430px;padding-top:56px;padding-bottom:92px}
.hero2 .slide{background-color:#fff;background-size:auto;background-repeat:no-repeat}
.hero2 .slide.s2{background-image:linear-gradient(115deg,transparent 0 52%,rgba(55,127,175,.07) 52% 68%,transparent 68% 74%,rgba(55,127,175,.05) 74% 88%,transparent 88%),radial-gradient(560px 400px at 90% 18%,rgba(55,127,175,.30),transparent 70%),radial-gradient(460px 340px at 58% 108%,rgba(84,164,177,.24),transparent 70%),linear-gradient(100deg,#FFFFFF 0%,#E4F4FF 100%)}
.hero2 .slide.s1{background-image:radial-gradient(rgba(55,127,175,.20) 1.6px,transparent 2.2px),radial-gradient(480px 380px at 8% -5%,rgba(101,130,200,.26),transparent 70%),radial-gradient(560px 400px at 94% 95%,rgba(55,127,175,.26),transparent 70%),linear-gradient(260deg,#FFFFFF 0%,#E4F4FF 100%);background-size:28px 28px,auto,auto,auto;background-repeat:repeat,no-repeat,no-repeat,no-repeat}
.hero2 .slide.s3{background-image:linear-gradient(rgba(55,127,175,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(55,127,175,.06) 1px,transparent 1px),radial-gradient(500px 380px at 88% 12%,rgba(84,164,177,.30),transparent 70%),radial-gradient(480px 360px at 66% 112%,rgba(244,160,110,.30),transparent 70%),linear-gradient(100deg,#FFFFFF 0%,#E4F4FF 100%)}
.hero2 .slide h2{color:#16202B;font-weight:800;letter-spacing:-.035em;text-shadow:none}
.hero2 .slide h2 em{font-style:normal;background:linear-gradient(90deg,#377FAF,#54A4B1);-webkit-background-clip:text;background-clip:text;color:transparent;-webkit-text-fill-color:transparent}
.hero2 .slide p{color:#4A5667;text-shadow:none}
.hero2 .slide .pill{background:#fff;border:1px solid #CFE3F1;color:#2A6D97;box-shadow:0 2px 8px rgba(55,127,175,.10);padding:7px 16px 7px 14px}
.hero2 .slide .pill::before{content:"";display:inline-block;width:8px;height:8px;border-radius:50%;background:linear-gradient(135deg,#377FAF,#54A4B1);margin-right:8px;vertical-align:1px}
.hero2 .slide .spec{background:rgba(255,255,255,.78);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.95);border-radius:24px;box-shadow:0 24px 60px rgba(40,80,130,.18)}
.hero2 .slide .spec h3{color:#16202B}
.hero2 .slide .spec li{color:#16202B;border-top-color:#E3ECF4}
.hero2 .slide .spec li::before{background-color:#377FAF}
.ctl button{color:#2A6D97;background:#fff;border:1px solid #D5E3EE;box-shadow:0 2px 6px rgba(55,127,175,.08)}
.ctl button:hover{background:#F2F8FC}
.dots button{background:rgba(55,127,175,.25);box-shadow:none;border:0}
.dots button[aria-current="true"]{background:#377FAF}
@media (max-width:860px){.hero2 .sl{min-height:470px;padding-top:40px}}
.strip .wrap{grid-template-columns:repeat(5,minmax(0,1fr));gap:16px}
.strip a:nth-child(5) strong{color:#377FAF}
.strip span{line-height:1.7}
/* FICO box + partner CTA: light gradient instead of solid blue */
.scorebox{background:#fff;color:var(--ink);border:1px solid #E3ECF4;box-shadow:0 14px 40px rgba(40,80,130,.12)}
.scorebox label{color:var(--muted)}
.score{background:linear-gradient(90deg,#377FAF,#54A4B1);-webkit-background-clip:text;background-clip:text;color:transparent;-webkit-text-fill-color:transparent}
.score small{-webkit-text-fill-color:var(--muted);color:var(--muted)}
.scale{color:var(--muted)}
input[type=range]{accent-color:#377FAF}
.tier{border-top-color:#E3ECF4}
.tier strong{color:#16202B}.tier span{color:var(--muted)}
.scorebox :focus-visible,.cta :focus-visible{outline-color:#377FAF}
.cta{background:radial-gradient(520px 360px at 92% 15%,rgba(84,164,177,.28),transparent 70%),radial-gradient(460px 340px at 6% 115%,rgba(101,130,200,.24),transparent 70%),linear-gradient(100deg,#FFFFFF 0%,#E4F4FF 100%);color:var(--ink);box-shadow:var(--sh)}
.cta h2{color:#16202B}
@media (min-width:861px){.cta .wrap{padding:48px 44px}}
.cta p{color:var(--muted)}
.hero2 .slide.s3{background-size:36px 36px,36px 36px,auto,auto,auto;background-repeat:repeat,repeat,no-repeat,no-repeat,no-repeat}
.cta{background:linear-gradient(rgba(55,127,175,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(55,127,175,.06) 1px,transparent 1px),radial-gradient(520px 360px at 92% 15%,rgba(84,164,177,.30),transparent 70%),radial-gradient(460px 340px at 6% 115%,rgba(101,130,200,.26),transparent 70%),linear-gradient(100deg,#F1F7FC 0%,#D3E7F5 100%)}
.strip .wrap{max-width:none;margin:0 48px;padding:0}
@media (max-width:860px){.strip .wrap{margin:0 12px}}
nav a svg,nav .btn svg{width:17px;height:17px;flex:none;fill:none;stroke:currentColor;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
nav a:not(.btn){display:inline-flex;align-items:center;gap:8px}
nav .btn{display:inline-flex;align-items:center;gap:8px}
nav .btn.alt svg{stroke-width:2}
@media (max-width:1400px){nav{gap:2px;font-size:14px}nav a:not(.btn){padding:9px 9px;gap:6px}nav a svg,nav .btn svg{width:15px;height:15px}nav .btn{padding:10px 14px;gap:6px}}
@media (max-width:1200px){nav a svg,nav .btn svg{display:none}}
@media (min-width:1000px) and (max-width:1100px){.burger{display:none!important}nav,nav.open{display:flex;position:static;flex-direction:row;align-items:center;padding:0;background:none;border:0;box-shadow:none;gap:0;font-size:13.5px}nav a:not(.btn){display:inline-flex!important;padding:9px 7px}nav .btn{padding:9px 12px;font-size:13.5px}.nav,.wrap.nav{padding-right:14px}.logo{width:190px;padding-left:28px}}
@media (max-width:860px){nav{gap:6px;font-size:15px}nav a:not(.btn){display:inline-flex!important;padding:9px 14px;gap:8px}nav a svg,nav .btn svg{display:block;width:17px;height:17px}nav .btn{padding:10px 20px;gap:8px}.nav,.wrap.nav{padding-right:16px}}
@media (min-width:861px){.strip a,.strip a:first-child{padding:22px 18px 22px 22px}.strip strong{font-size:19px;white-space:nowrap}}
@media (max-width:860px){.strip .wrap{grid-template-columns:repeat(2,minmax(0,1fr))}.strip a:nth-child(5){grid-column:1/-1}}
nav .btn.alt{margin-left:0;margin-right:0}
nav .btn:not(.alt){margin-right:14px}
@media (min-width:1000px) and (max-width:1100px){nav .btn:not(.alt){margin-right:8px}}
@media (max-width:999px){nav .btn:not(.alt){margin-right:0}}
.cta{background-size:36px 36px,36px 36px,auto,auto,auto;background-repeat:repeat,repeat,no-repeat,no-repeat,no-repeat}
.legal{max-width:1072px}
.programs{row-gap:0}
.prog{display:grid;grid-row:span 3;grid-template-rows:subgrid;align-content:start}
.prog h3,.prog .tag,.prog ul{align-self:start}
footer{text-align:center}
footer .social,footer .flinks{justify-content:center}
footer p{margin-left:auto;margin-right:auto}
footer .flinks{margin-left:auto;margin-right:auto;max-width:none}
footer p{max-width:74em}
footer a[href*="nmlsconsumeraccess"]{white-space:nowrap}
/* one consistent content width on desktop (matches the banner) */
@media (min-width:861px){
.hero2{width:calc(100% - 96px);max-width:1344px;margin-left:auto;margin-right:auto}
.strip .wrap{width:calc(100% - 96px);max-width:1344px;margin-left:auto;margin-right:auto}
.scoregrid{width:calc(100% - 96px);max-width:1344px}
.cta{width:calc(100% - 96px);max-width:1344px}
#v-home section:not(.hero2):not(.strip):not(.cta) > .wrap:not(.scoregrid){width:calc(100% - 96px);max-width:1344px;padding-left:0;padding-right:0;margin-left:auto;margin-right:auto}
.legal{width:calc(100% - 96px);max-width:1344px}
}
@media (max-width:860px){
.hero2{margin-left:16px;margin-right:16px}
.strip .wrap{margin-left:16px;margin-right:16px}
#v-home section:not(.hero2):not(.strip):not(.cta) > .wrap:not(.scoregrid){padding-left:16px;padding-right:16px}
}
.ehlrow{display:flex;align-items:center;justify-content:center;gap:10px}
.ehl{width:34px;height:34px;flex:none;color:#4A5362}