:root{--navy:#0b2545;--teal:#0a6e78;--teal-bright:#14b8c4;--sky:#eef9fb;--sky-2:#dff3f7;--sun:#ff9a4d;--sun-2:#ffb35c;--gold:#f5b83d;--olive:#5c6b32;--muted-gold:#c4a35a;--ink:#0b2545;--muted:#3d4b5c;--line:#d7e9ee;--white:#fff;--r:16px;--shadow:0 6px 20px rgba(11,37,69,.08);--shadow-up:0 14px 30px rgba(11,37,69,.14)}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:1.0625rem}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal);text-underline-offset:3px;font-weight:600}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--sun);outline-offset:2px}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--sun);color:var(--navy);padding:8px 12px;z-index:10}
.skip:focus{left:8px}
.draft-banner{background:#7a1f1f;color:#fff;padding:10px 20px;font-weight:600;text-align:center}
/* header */
.site-header{background:rgba(255,255,255,.97);position:relative;z-index:5}
.site-header::after{content:"";display:block;height:6px;background:#1f3a5f url(camo-blue.webp) repeat-x center/150px}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:12px;padding-bottom:6px}
.brand{display:flex;align-items:center;gap:10px;color:var(--navy);text-decoration:none}
.brand strong{display:block;font-size:1.12rem;line-height:1.2}
.brand small{display:block;color:var(--muted);font-size:.8rem;font-weight:500}
.brand-mark{display:inline-grid;place-items:center;width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--teal),#0b4f7a);color:#fff;font-weight:800}
.main-nav ul{list-style:none;margin:0;padding:0 0 10px;display:flex;flex-wrap:wrap;gap:2px 16px}
.main-nav a{color:var(--navy);text-decoration:none;font-size:.95rem;font-weight:600;padding:6px 0;display:inline-block;border-bottom:2px solid transparent}
.main-nav a:hover,.main-nav a[aria-current=page]{color:var(--teal);border-bottom-color:var(--sun)}
/* buttons */
.btn{display:inline-block;padding:13px 20px;border-radius:999px;font-weight:800;text-decoration:none;border:2px solid transparent;line-height:1.2;text-align:center;transition:transform .15s ease,box-shadow .15s ease}
.btn:hover{transform:translateY(-2px);box-shadow:var(--shadow-up)}
.btn-gold{background:linear-gradient(135deg,var(--sun),var(--sun-2));color:var(--navy)}
.btn-gold:hover{color:var(--navy)}
.btn-light{background:#fff;color:var(--teal);border-color:var(--teal)}
.btn-light:hover{color:var(--navy)}
.btn-navy{background:var(--teal);color:#fff}
.btn-navy:hover{background:var(--navy);color:#fff}
.btn-outline-light{background:#fff;border-color:var(--navy);color:var(--navy)}
.btn-outline-light:hover{color:var(--teal)}
.header-call{padding:10px 16px;font-size:.95rem;white-space:nowrap}
/* breadcrumbs */
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0 auto;padding:10px 20px;max-width:1120px;font-size:.9rem;color:var(--muted)}
.crumbs li+li::before{content:"/";margin-right:6px;color:#8aa0b0}
/* hero */
.hero{position:relative;overflow:hidden;background:radial-gradient(60% 80% at 100% 0%,rgba(20,184,196,.22),transparent 70%),radial-gradient(50% 60% at 0% 100%,rgba(255,154,77,.16),transparent 70%),linear-gradient(180deg,rgba(238,249,251,.55) 0%,#fff 100%),url(camo-light.webp) repeat 0 0/300px;padding:36px 0 70px}
.hero-inner{position:relative;display:grid;gap:24px;align-items:center}
.eyebrow{display:inline-block;margin:0 0 10px;padding:4px 12px;border-radius:999px;background:#fff;border:1px solid var(--line);color:var(--teal);font-size:.82rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase}
.hero h1{font-size:clamp(2rem,6vw,3.3rem);line-height:1.08;letter-spacing:-.02em;margin:0 0 14px;font-weight:850;color:var(--navy)}
.hero .lead{font-size:1.15rem;color:var(--muted);max-width:60ch}
.wave{position:absolute;left:0;right:0;bottom:-1px;width:100%;height:60px}
.photo-ring{justify-self:center;padding:6px;border-radius:50%;background:var(--navy);box-shadow:0 0 0 2px var(--olive),var(--shadow-up)}
.hero-photo{border-radius:50%;border:3px solid var(--muted-gold);width:220px;height:220px;object-fit:cover}
.cta-buttons{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
/* sections */
.section{padding:44px 0}
.section.tight{padding:8px 0 28px}
.section.alt{background:linear-gradient(180deg,var(--sky) 0%,#fff 100%);position:relative}
.section.alt::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:#1f3a5f url(camo-blue.webp) repeat-x center/150px;opacity:.85}
.section h1{font-size:clamp(1.9rem,5vw,2.6rem);line-height:1.15;color:var(--navy);letter-spacing:-.01em}
.section h2{color:var(--navy);font-size:clamp(1.45rem,3.6vw,2rem);line-height:1.2;margin:0 0 16px;letter-spacing:-.01em}
.section h2::after{content:"";display:block;width:2.5rem;height:1px;margin-top:10px;background:#c5d0d6}
.section h2:not(:first-child){margin-top:34px}
.sub{color:var(--muted);margin-top:-4px}
.lead{font-size:1.15rem}
/* cards */
.cards{display:grid;gap:16px;grid-template-columns:1fr}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--shadow);transition:transform .15s ease,box-shadow .15s ease}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-up)}
.card h3{margin:0 0 8px;color:var(--navy);font-size:1.18rem}
.card p{margin:.4em 0;color:var(--muted)}
.icon{display:inline-grid;place-items:center;width:52px;height:52px;border-radius:14px;margin-bottom:12px;color:#fff;background:linear-gradient(135deg,var(--teal),var(--teal-bright))}
.card:nth-child(2) .icon{background:linear-gradient(135deg,#e2741f,var(--sun))}
.card:nth-child(3) .icon{background:linear-gradient(135deg,#0b4f7a,var(--teal))}
.big{font-size:2.2rem;font-weight:850;color:var(--navy);margin:.1em 0}
.checks{list-style:none;padding:0;margin:0 0 12px}
.checks li{padding-left:32px;position:relative;margin:9px 0}
.checks li::before{content:"";position:absolute;left:0;top:.3em;width:20px;height:20px;border-radius:50%;background:var(--sky-2)}
.checks li::after{content:"";position:absolute;left:6px;top:.62em;width:8px;height:5px;border-left:2.5px solid var(--teal);border-bottom:2.5px solid var(--teal);transform:rotate(-45deg)}
.steps{padding-left:1.4em}
.steps li{margin:10px 0}
.steps li::marker{color:var(--teal);font-weight:800}
/* review badges */
.review-strip{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}
.badge{display:grid;grid-template-columns:auto;justify-items:center;gap:2px;min-width:148px;flex:1 1 148px;max-width:240px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:12px 10px;text-decoration:none;color:var(--navy);box-shadow:var(--shadow);transition:transform .15s ease,box-shadow .15s ease}
.badge:hover{transform:translateY(-3px);box-shadow:var(--shadow-up);color:var(--navy)}
.badge > span:not(.stars){white-space:nowrap}.badge strong{font-size:1.25rem}
.badge small{color:var(--muted);font-weight:600}
.stars,.tstars{display:flex;gap:2px;color:#f2a516}
/* testimonials: CSS-only scroll snap */
.tscroll{display:grid;grid-auto-flow:column;grid-auto-columns:86%;gap:16px;overflow-x:auto;scroll-snap-type:x mandatory;padding:6px 2px 16px;-webkit-overflow-scrolling:touch;scrollbar-width:thin}
.tscroll .tcard{scroll-snap-align:start}
.tgrid{display:grid;gap:16px;grid-template-columns:1fr}
.tcard{margin:0;background:#fff;border:1px solid var(--line);border-left:5px solid var(--teal-bright);border-radius:var(--r);padding:20px;box-shadow:var(--shadow);display:flex;flex-direction:column}
.tcard blockquote{margin:10px 0 12px;flex:1}
.tcard blockquote p{margin:0;color:var(--ink)}
.tscroll .tcard blockquote p{display:-webkit-box;-webkit-line-clamp:8;-webkit-box-orient:vertical;overflow:hidden}
.tcard figcaption span{color:var(--muted);font-size:.9rem}
/* closing day slot */
.closing-grid{display:grid;gap:12px;grid-template-columns:repeat(3,1fr);max-width:720px}
.slot{aspect-ratio:1/1;border-radius:var(--r);border:2px dashed #9fc9d2;background:repeating-linear-gradient(135deg,var(--sky),var(--sky) 10px,#fff 10px,#fff 20px);display:grid;place-items:center;text-align:center;padding:8px}
.slot span{font-size:.85rem;font-weight:700;color:var(--muted)}
/* about */
.about-grid{display:grid;gap:28px}
.about-photo{border-radius:50%;border:5px solid #fff;max-width:300px;box-shadow:var(--shadow-up);outline:6px solid var(--teal-bright);outline-offset:0}
/* faq */
.faq{border:1px solid var(--line);border-radius:var(--r);margin:10px 0;background:#fff;box-shadow:var(--shadow)}
.faq summary{cursor:pointer;padding:15px 18px;list-style:none;position:relative;padding-right:48px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:16px;top:9px;width:28px;height:28px;border-radius:50%;background:var(--sky-2);color:var(--teal);display:grid;place-items:center;font-size:1.3rem;font-weight:800}
.faq[open] summary::after{content:"\2212";background:var(--sun);color:var(--navy)}
.faq summary h3{display:inline;font-size:1.05rem;color:var(--navy);margin:0}
.faq p{margin:0;padding:0 18px 16px;color:var(--muted)}
.fine{font-size:.88rem;color:var(--muted)}
/* CTA band: blue camo nod to the Loan SITREP trust bar */
.cta-band{background:#0b1f3a url(camo-blue.webp) repeat 0 0/300px;color:#fff;padding:36px 0;border-top:4px solid var(--sun)}
.cta-inner{display:grid;gap:14px;align-items:center;background:rgba(7,20,38,.72);border-radius:20px;padding:20px}
.cta-band h2{margin:0 0 4px;font-size:1.5rem;color:#fff}
.cta-band p{margin:0;color:#e2ecf5}
.cta-band .btn-light{border-color:#fff}
.cta-band .btn-outline-light{background:transparent;border-color:#fff;color:#fff}
.cta-band .btn-outline-light:hover{background:rgba(255,255,255,.12);color:#fff}
/* footer (light) */
.site-footer{background:#eaf4f7;color:var(--navy);padding:32px 0;font-size:.9rem;border-top:1px solid var(--line)}
.site-footer p{color:var(--muted)}
.site-footer strong{color:var(--navy)}
.site-footer a{color:var(--teal)}
.footer-grid{display:grid;gap:20px}
.eho-line{display:flex;align-items:center;gap:10px;font-weight:800}
.eho-line span{color:var(--navy)}
.eho{color:var(--navy);flex:none}
@media (min-width:760px){
 .site-header{position:sticky;top:0}
 .hero{padding:56px 0 90px}
 .hero-inner{grid-template-columns:1.5fr 1fr}
 .hero-photo{width:300px;height:300px}
 .cards{grid-template-columns:repeat(2,1fr)}
 .tscroll{grid-auto-columns:calc(50% - 8px)}
 .tgrid{grid-template-columns:repeat(2,1fr)}
 .about-grid{grid-template-columns:1.6fr 1fr;align-items:start}
 .cta-inner{grid-template-columns:1fr auto}
 .footer-grid{grid-template-columns:1fr 1.4fr}
 .badge{min-width:200px;padding:14px 22px}.badge strong{font-size:1.4rem}
}
@media (min-width:1000px){.cards{grid-template-columns:repeat(3,1fr)}.tscroll{grid-auto-columns:calc(33.333% - 11px)}.tgrid{grid-template-columns:repeat(3,1fr)}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}.btn:hover,.card:hover,.badge:hover{transform:none}}
/* Edge co-branding (pattern from tomthebroker.com) */
.brand{gap:12px}
.edge-logo{width:144px;height:40px;object-fit:contain}
.brand-div{width:1px;align-self:stretch;background:var(--line);min-height:36px}
.brand-name strong{font-size:1.05rem}
.footer-logo{margin:0 0 6px}
.footer-logo .edge-logo{width:180px;height:50px}
.eho-line{align-items:flex-start;font-weight:400}
.eho-line p{margin:.15em 0}
.legal-links{font-weight:800;text-transform:uppercase;font-size:.8rem;letter-spacing:.03em}
.legal-strong{font-weight:800;color:var(--navy)!important;text-transform:uppercase;font-size:.8rem;letter-spacing:.03em}
/* Trust row: review ratings + Edge #1 VA text badge */
.trust-row{display:flex;flex-direction:column;align-items:center;gap:12px}
.trust-items{display:flex;flex-wrap:wrap;gap:14px 18px;justify-content:center;align-items:center;width:100%}
.award{margin:0;flex:0 1 auto;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;min-width:168px;max-width:240px;padding:12px 16px;background:var(--navy);color:#fff;border-radius:20px;box-shadow:var(--shadow);text-align:center}
.award-logo{width:120px;height:auto;background:#fff;border-radius:8px;padding:6px 8px}
.award-text{margin:0;color:#fff;font-size:1rem;line-height:1.25}
.award-text strong{color:#fff;font-size:1.05rem;font-weight:800}
.trust-caption{margin:0;max-width:46rem;text-align:center}
@media (max-width:420px){.edge-logo{width:108px;height:30px}.brand-name strong{font-size:.95rem}.brand-name small{font-size:.72rem}.header-call{padding:9px 12px;font-size:.88rem}.brand{gap:8px}}

.review-qr{display:flex;gap:20px;align-items:center;flex-wrap:wrap;margin:12px 0 8px}.review-qr img{border:1px solid #c5d0d6;border-radius:8px;background:#fff;padding:6px}@media(max-width:600px){.review-qr img{width:128px;height:128px}}

.award-banner{background:none;padding:0;box-shadow:var(--shadow);border-radius:14px;overflow:hidden;max-width:300px;min-width:0;flex:0 1 300px}.award-banner img{display:block;width:100%;height:auto}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}

.header-ctas{display:flex;gap:8px;align-items:center}.header-apply{padding:10px 16px;font-size:.95rem;white-space:nowrap}.mobile-cta{display:none}@media (max-width:700px){.header-apply{display:none}.mobile-cta{display:flex;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:20;padding:8px 10px calc(8px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);box-shadow:0 -4px 14px rgba(11,37,69,.12)}.mobile-cta .btn{flex:1;padding:12px 10px;font-size:.98rem}body{padding-bottom:72px}}