/*! tailwindcss v4.2.1 | MIT License | https://tailwindcss.com */
@layer properties{@supports (((-webkit-hyphens:none)) and (not (margin-trim:inline))) or ((-moz-orient:inline) and (not (color:rgb(from red r g b)))){*,:before,:after,::backdrop{--tw-outline-style:solid}}}@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.relative{position:relative}.start{inset-inline-start:var(--spacing)}.table{display:table}.italic{font-style:italic}.outline{outline-style:var(--tw-outline-style);outline-width:1px}}:root{--navy:#071d38;--red:#d51c2f;--ink:#121820;--muted:#5e6874;--paper:#f5f2ed;--line:#d9d8d4;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);font-family:var(--font-sans),Arial,sans-serif;background:#fff;margin:0}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}.wrap{width:min(1180px,100% - 48px);margin:auto}.narrow{max-width:800px}.section{padding:110px 0}.eyebrow{color:var(--red);letter-spacing:.19em;text-transform:uppercase;margin:0 0 18px;font-size:11px;font-weight:800}.eyebrow.light{color:#fff}h1,h2,h3{font-family:var(--font-display),Georgia,serif;letter-spacing:-.025em;margin:0;font-weight:600}h1{font-size:clamp(52px,7vw,104px);line-height:.88}h2{font-size:clamp(40px,5vw,70px);line-height:.97}h3{font-size:30px;line-height:1.04}p{line-height:1.75}.button{letter-spacing:.1em;text-transform:uppercase;border:1px solid #0000;justify-content:center;align-items:center;min-height:52px;padding:0 24px;font-size:12px;font-weight:800;transition:all .2s;display:inline-flex}.button:hover{transform:translateY(-2px)}.button.primary{background:var(--red);color:#fff}.button.white{color:var(--navy);background:#fff}.button.outline{border-color:var(--navy);color:var(--navy)}.button-row{flex-wrap:wrap;gap:12px;display:flex}.text-link{letter-spacing:.05em;text-transform:uppercase;border-bottom:2px solid var(--red);padding-bottom:4px;font-size:13px;font-weight:800}.topbar{background:var(--navy);color:#fff;letter-spacing:.07em;font-size:11px}.topbar-inner{justify-content:space-between;align-items:center;height:34px;display:flex}.topbar a{font-weight:800}.site-header{z-index:40;background:#fff;border-bottom:1px solid #e5e5e5;position:sticky;top:0}.nav{justify-content:space-between;align-items:center;height:92px;display:flex}.brand{align-items:center;width:108px;height:76px;display:flex;overflow:hidden}.brand img{width:92px}.nav nav{letter-spacing:.07em;text-transform:uppercase;align-items:center;gap:30px;font-size:12px;font-weight:800;display:flex}.nav nav a:hover{color:var(--red)}.nav-cta{background:var(--red);padding:16px 20px;color:#fff!important}.hero{color:#fff;height:min(760px,100vh - 126px);min-height:620px;position:relative;overflow:hidden}.hero-photo,.page-hero>img,.article-hero>img{object-fit:cover;width:100%;height:100%}.hero-overlay{background:linear-gradient(90deg,#041223eb 0%,#0412238c 52%,#0412231a 100%);position:absolute;inset:0}.hero-copy{flex-direction:column;justify-content:center;align-items:flex-start;display:flex;position:absolute;inset:0}.hero h1{max-width:920px}.hero h1 em{font-weight:500}.hero-lede{max-width:650px;margin:28px 0 34px;font-size:18px}.hero-card{color:var(--ink);background:#fff;gap:2px;min-width:360px;padding:22px 50px;display:grid;position:absolute;bottom:0;right:0}.hero-card span{letter-spacing:.12em;text-transform:uppercase;font-size:10px}.hero-card strong{font-family:var(--font-display);font-size:22px}.split{grid-template-columns:.9fr 1.1fr;gap:100px;display:grid}.prose.large{font-size:18px}.prose p:first-child{margin-top:0}.prose .text-link{margin-top:18px;display:inline-block}.pathways{grid-template-columns:1fr 1fr;display:grid}.pathways article{color:#fff;height:650px;position:relative;overflow:hidden}.pathways img{object-fit:cover;width:100%;height:100%;transition:all .8s}.pathways article:hover img{transform:scale(1.035)}.pathways article:after{content:"";background:linear-gradient(#0516280d 35%,#051628e0);position:absolute;inset:0}.pathways article>div{z-index:2;position:absolute;bottom:54px;left:54px;right:54px}.pathways h2{max-width:500px;font-size:52px}.pathways p{max-width:470px}.navy-section{background:var(--navy);color:#fff}.value-grid{grid-template-columns:1fr 1fr;align-items:start;gap:90px;display:grid}.value-grid>div:first-child>p:last-child{max-width:520px;font-size:18px}.light-form{color:var(--ink);background:#fff;padding:36px}.section-heading{justify-content:space-between;align-items:end;margin-bottom:55px;display:flex}.section-heading h2{max-width:720px}.article-grid{background:var(--line);grid-template-columns:repeat(3,1fr);gap:1px;display:grid}.article-card{background:#fff;flex-direction:column;min-height:430px;padding:42px;transition:all .25s;display:flex}.article-card:hover{background:var(--paper);transform:translateY(-4px)}.article-card.featured{grid-column:span 2}.article-number{font-family:var(--font-display);color:#b9bdc2;margin-bottom:65px;font-size:52px}.article-card p{color:var(--muted)}.article-card .read{text-transform:uppercase;color:var(--red);margin-top:auto;font-size:12px;font-weight:800}.trust{background:var(--paper)}.trust-grid{grid-template-columns:1.25fr .75fr;gap:100px;display:grid}.quote-mark{font-family:var(--font-display);color:var(--red);font-size:120px;line-height:.6}.trust-quote h2{font-size:55px}.credentials>div{border-top:1px solid #c9c8c4;grid-template-columns:110px 1fr;padding:22px 0;display:grid}.credentials strong{font-family:var(--font-display);font-size:24px}.credentials span{color:var(--muted);font-size:13px;line-height:1.5}.credentials .button{margin-top:24px}.contact-band{background:#fff}.contact-grid{grid-template-columns:.8fr 1.2fr;align-items:start;gap:100px;display:grid}.contact-grid .large{font-size:18px}.direct{font-family:var(--font-display);font-size:28px}.lead-form{background:var(--paper);gap:19px;padding:40px;display:grid}.lead-form.compact{background:0 0;padding:0}.form-row{grid-template-columns:1fr 1fr;gap:15px;display:grid}.lead-form label{letter-spacing:.09em;text-transform:uppercase;gap:8px;font-size:10px;font-weight:800;display:grid}.lead-form input,.lead-form select,.lead-form textarea{width:100%;font:14px var(--font-sans);color:var(--ink);background:#fff;border:1px solid #c8c9c8;outline:none;padding:14px}.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{border-color:var(--red)}.lead-form .consent{text-transform:none;letter-spacing:0;color:var(--muted);align-items:flex-start;font-weight:500;line-height:1.5;display:flex}.consent input{width:16px;height:16px;margin-top:2px}.form-success{background:#edf5ef;padding:32px;line-height:1.7}.form-error{color:var(--red);font-size:13px}.footer{color:#fff;background:#06172b;padding:75px 0 25px}.footer-grid{grid-template-columns:1.2fr .7fr 1fr 1fr;gap:55px;display:grid}.footer-grid>div{flex-direction:column;align-items:flex-start;gap:8px;display:flex}.footer-grid p,.footer-grid a{margin:0;font-size:12px;line-height:1.75}.footer-swarr{background:#fff;width:125px}.broker-brand img{background:#fff;width:230px;padding:8px}.legal{color:#adb6c1;border-top:1px solid #fff3;justify-content:space-between;margin-top:55px;padding-top:22px;font-size:10px;display:flex}.page-hero{color:#fff;height:560px;position:relative}.page-hero .shade,.article-hero .shade{background:linear-gradient(90deg,#051528e6,#05152833);position:absolute;inset:0}.page-hero-copy{flex-direction:column;justify-content:center;align-items:flex-start;display:flex;position:absolute;inset:0}.page-hero h1{max-width:800px}.page-hero-copy>p:last-child{max-width:650px;font-size:18px}.intro-copy .drop{font-family:var(--font-display);font-size:34px;line-height:1.45}.intro-copy .drop:first-letter{float:left;color:var(--red);padding-right:12px;font-size:100px;line-height:.8}.checklist-section{background:var(--paper);padding:30px 0 100px}.checklist article{border-bottom:1px solid #d0cfcb;grid-template-columns:130px 1fr;gap:40px;padding:65px 0;display:grid}.checklist article>span{font-family:var(--font-display);color:var(--red);font-size:70px}.checklist article h2{font-size:46px}.checklist article p{max-width:720px;color:var(--muted);font-size:17px}.callout{background:#fff}.callout-grid{grid-template-columns:1fr 1fr;gap:90px;display:grid}.callout-grid>div:first-child>p:not(.eyebrow){font-size:17px}.contact-page{background:linear-gradient(135deg,#fff 45%,var(--paper) 45%)}.contact-page h1{font-size:76px}.contact-details{gap:10px;margin-top:40px;display:grid}.contact-details a{font-family:var(--font-display);font-size:26px}.article-hero{color:#fff;height:680px;position:relative}.article-hero .wrap{flex-direction:column;justify-content:center;align-items:flex-start;display:flex;position:absolute;inset:0}.article-hero h1{max-width:1000px}.article-hero .wrap>p:last-child{max-width:720px;font-size:18px}.article-layout{grid-template-columns:240px 1fr;gap:90px;padding-top:90px;padding-bottom:110px;display:grid}.article-layout aside{border-top:1px solid var(--line);align-self:start;display:grid;position:sticky;top:150px}.article-layout aside a{border-bottom:1px solid var(--line);padding:15px 0;font-size:12px}.article-body{max-width:780px}.article-body .standfirst{font-family:var(--font-display);font-size:32px;line-height:1.45}.article-body>section{border-top:1px solid var(--line);padding:65px 0}.big-num{font-family:var(--font-display);color:var(--red);font-size:28px}.article-body h2{margin:12px 0 25px;font-size:50px}.article-body p,.article-body li{color:#3f4852;font-size:17px}.note{background:var(--paper);border-left:4px solid var(--red);margin:30px 0;padding:25px 30px}.note strong{text-transform:uppercase;letter-spacing:.1em;font-size:12px}.note p{margin-bottom:0;font-size:14px}.loan-table{margin-top:35px}.loan-table>div{border-top:1px solid var(--line);grid-template-columns:170px 1fr;padding:20px 0;display:grid}.loan-table strong{font-family:var(--font-display);font-size:24px}.loan-table span{font-size:14px;line-height:1.6}.source-box ol{padding-left:24px}.source-box li{margin:20px 0}.source-box .disclaimer,.source-box .sources{font-size:12px}.source-box a{text-decoration:underline}.article-cta{background:var(--navy);color:#fff;margin-top:50px;padding:50px}.article-cta h2{color:#fff}.article-cta p{color:#dfe5eb}.article-cta .eyebrow{color:#fff}@media (width<=900px){.nav nav a:not(.nav-cta){display:none}.nav{height:76px}.site-header{top:0}.hero{min-height:650px}.split,.value-grid,.trust-grid,.contact-grid,.callout-grid,.article-layout{grid-template-columns:1fr;gap:55px}.pathways,.article-grid{grid-template-columns:1fr}.article-card.featured{grid-column:auto}.footer-grid{grid-template-columns:1fr 1fr}.article-layout aside{display:none}.page-hero{height:500px}.contact-page h1{font-size:58px}}@media (width<=600px){.wrap{width:min(100% - 30px,1180px)}.topbar-inner span{display:none}.topbar-inner{justify-content:center}.section{padding:75px 0}.brand{width:85px}.brand img{width:75px}.nav-cta{padding:13px 15px}.hero{height:700px}.hero-overlay{background:linear-gradient(#0412234d,#041223ed)}.hero-copy{justify-content:flex-end;padding-bottom:130px}.hero h1{font-size:53px}.hero-lede{font-size:15px}.hero-card{min-width:0;padding:16px 24px;left:0;right:0}.pathways article{height:570px}.pathways article>div{bottom:30px;left:25px;right:25px}.pathways h2{font-size:42px}.section-heading{flex-direction:column;align-items:flex-start;gap:30px}.article-card{min-height:380px;padding:30px}.article-number{margin-bottom:35px}.trust-quote h2{font-size:40px}.credentials>div{grid-template-columns:85px 1fr}.form-row{grid-template-columns:1fr}.lead-form{padding:24px}.footer-grid{grid-template-columns:1fr}.legal{flex-direction:column;gap:8px}.page-hero,.article-hero{height:590px}.page-hero h1,.article-hero h1{font-size:52px}.checklist article{grid-template-columns:60px 1fr;gap:18px;padding:42px 0}.checklist article>span{font-size:45px}.checklist article h2{font-size:35px}.article-layout{padding-top:55px}.article-body .standfirst{font-size:27px}.article-body h2{font-size:40px}.loan-table>div{grid-template-columns:1fr;gap:8px}.article-cta{margin-left:-15px;margin-right:-15px;padding:30px}.contact-page h1{font-size:50px}}.intro-grid{grid-template-columns:.8fr .72fr 1fr;align-items:center;gap:52px;display:grid}.intro-heading h2{font-size:clamp(42px,4.6vw,68px)}.john-portrait{background:var(--paper);min-height:520px;margin:0;position:relative;overflow:hidden}.john-portrait>img{object-fit:cover;object-position:50% center;width:100%;height:520px}.john-portrait figcaption{background:var(--navy);color:#fff;border-top:4px solid var(--red);padding:20px 24px;display:grid;position:absolute;bottom:0;left:0;right:28px}.john-portrait figcaption strong{font-family:var(--font-display);font-size:27px;line-height:1}.john-portrait figcaption span{letter-spacing:.1em;text-transform:uppercase;color:#dce3eb;margin-top:6px;font-size:10px;font-weight:700}.local-section{background:var(--paper);border-top:1px solid var(--line)}.local-grid{grid-template-columns:.9fr 1.1fr;align-items:start;gap:100px;display:grid}.local-grid h2{font-size:clamp(42px,5vw,68px)}.local-links{flex-wrap:wrap;gap:28px;margin-top:28px;display:flex}@media (width<=900px){.intro-grid{grid-template-columns:1fr 1fr;gap:45px}.local-grid{grid-template-columns:1fr;gap:45px}.intro-heading{grid-column:1/-1}.john-portrait,.john-portrait>img{height:500px;min-height:500px}}@media (width<=600px){.intro-grid{grid-template-columns:1fr;gap:36px}.intro-heading{grid-column:auto}.john-portrait,.john-portrait>img{height:470px;min-height:470px}}@property --tw-outline-style{syntax:"*";inherits:false;initial-value:solid}
