:root{--navy:#262a82;--gold:#f9c606;--ink:#202539;--muted:#535c70;--line:#dce0eb;--soft:#f0f3fb;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;font:16px/1.6 ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:white}a{color:var(--navy);text-underline-offset:4px}img{max-width:100%;height:auto}button,input,select{font:inherit}button,a{touch-action:manipulation}button{cursor:pointer}h1,h2,h3,p{margin:0}h1,h2,h3{color:var(--navy);line-height:1.14;letter-spacing:-.035em}p+p{margin-top:14px}h1{font-size:clamp(36px,4.1vw,58px);font-weight:800;max-width:740px;letter-spacing:-.045em}h1 span{color:#454c9c}h2{font-size:clamp(28px,3vw,40px)}h3{font-size:24px}sup{font-size:11px;vertical-align:super}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #967300;outline-offset:4px}.shell{width:min(1160px,calc(100% - 64px));margin:auto}.skip{position:fixed;top:-100px;left:12px;z-index:99;background:white;padding:12px}.skip:focus{top:12px}header{border-top:4px solid var(--navy);border-bottom:1px solid var(--line);background:white;position:relative;z-index:10}.header-inner{height:84px;display:flex;align-items:center;gap:30px}.branding{display:flex;align-items:center;gap:12px;text-decoration:none}.branding img{width:42px;height:42px;object-fit:contain}.branding strong,.brand-title{display:block;font-size:19px;font-weight:800;color:var(--navy);line-height:1.2}.branding small,.brand-sub{display:block;font-size:11px;color:var(--muted);margin-top:3px}.header-inner nav{display:flex;gap:26px;margin-left:auto;font-size:14px;font-weight:650}.header-inner nav a{text-decoration:none}.header-cta{font-size:14px;font-weight:750;border:1px solid var(--navy);padding:9px 17px;border-radius:8px;text-decoration:none}.header-cta span{padding-left:12px}.menu{display:none}.hero{padding:58px 0 42px;background:linear-gradient(115deg,#fff 55%,#f3f5fc 55%)}.hero-grid{display:grid;grid-template-columns:1.35fr 1fr;gap:60px;align-items:center}.eyebrow{font-size:11px;letter-spacing:.13em;font-weight:800;color:var(--navy);margin-bottom:18px}.hero-lead{font-size:19px;line-height:1.55;color:var(--muted);margin:24px 0;max-width:600px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:18px;border:0;border-radius:9px;padding:17px 22px;min-height:54px;background:var(--gold);color:var(--navy);text-decoration:none;text-align:center;font-size:15px;font-weight:800;line-height:1.35}.btn:hover{background:#ffda45}.btn span{font-size:20px}.disclaimer{font-size:12px;color:var(--muted);margin-top:10px}.text-link{display:inline-block;margin-top:20px;font-size:14px;font-weight:650}.benefits{background:white;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:14px;padding:27px;box-shadow:0 14px 40px #262a8208}.benefits .eyebrow{font-size:10px;margin-bottom:10px}.benefit-row{display:grid;grid-template-columns:110px 1fr;gap:18px;padding:21px 0;border-bottom:1px solid var(--line)}.benefit-row>strong{color:var(--navy);font-size:23px;line-height:1.15;letter-spacing:-.03em}.benefit-row h2{font-size:16px;letter-spacing:-.01em;margin-bottom:6px}.benefit-row p{font-size:13px;color:var(--muted);line-height:1.5}.benefit-row a{font-size:12px}.fine{font-size:12px;color:var(--muted);line-height:1.6}.benefits>.fine{margin-top:16px}.trust{border-block:1px solid var(--line);padding:26px 0}.trust-grid{display:flex;justify-content:space-between;gap:30px;align-items:center}.identity{display:flex;gap:20px;align-items:center}.identity img{width:88px;height:88px;border-radius:50%;object-fit:cover}.identity h2{font-size:20px;margin-bottom:5px}.identity strong{font-size:14px}.identity p{font-size:12px;color:var(--muted)}.rating{display:flex;align-items:center;gap:20px;padding-left:36px;border-left:1px solid var(--line)}.rating>strong{font-size:44px;color:var(--navy);letter-spacing:-.06em}.rating>strong span{font-size:18px;color:var(--muted);letter-spacing:0}.rating b{font-size:13px}.rating p{font-size:11px;color:var(--muted)}.section{padding:72px 0}.section-heading{display:grid;grid-template-columns:1.2fr 1fr;gap:70px;align-items:end;margin-bottom:32px}.section-heading>p{max-width:430px;color:var(--muted)}.program-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.program{border:1px solid var(--line);border-radius:12px;padding:30px;display:flex;flex-direction:column;align-items:start}.card-label{font-size:10px;letter-spacing:.12em;font-weight:800;color:var(--muted);display:block;margin-bottom:15px}.program h3{font-size:27px;margin-bottom:14px}.program-benefit{font-weight:750;font-size:17px;color:var(--navy)}.program>p:not(.program-benefit){color:var(--muted);font-size:14px;margin-top:12px}.tradeoff{padding:16px 0;margin:14px 0 18px;border-top:1px solid var(--line);font-size:13px}.tradeoff p{margin-top:6px;color:var(--muted)}.program>a{margin-top:auto;font-size:14px;font-weight:700}.program-notes{margin-top:24px;font-size:12px;color:var(--muted);max-width:1000px}.costs{padding:60px 0;background:var(--navy);color:white}.costs h2,.costs h3,.costs .eyebrow{color:white}.costs .eyebrow{color:#f9d554}.costs-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:80px}.costs-grid>div>p:last-child{color:#e1e4fa;margin-top:22px;max-width:430px}.cost-list{padding:0;margin:0;list-style:none;display:grid;gap:23px}.cost-list li{display:flex;gap:20px}.cost-list li>span{font-size:12px;color:#f9d554;border:1px solid #7479b8;border-radius:50%;width:34px;height:34px;flex-shrink:0;display:grid;place-items:center}.cost-list h3{font-size:18px;margin:3px 0 8px}.cost-list p{font-size:14px;color:#e1e4fa}.reviews{padding:48px 0}.quote-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px}.quote-grid figure{margin:0;border-left:3px solid var(--gold);padding-left:24px}.quote-grid blockquote{font-size:22px;line-height:1.45;margin:0 0 18px;color:var(--navy);font-weight:600;letter-spacing:-.02em}.quote-grid figcaption{font-size:13px}.quote-grid figcaption span{display:block;color:var(--muted);font-size:11px}.reviews .fine{margin-top:25px}.consultation{background:var(--soft);border-top:1px solid var(--line)}.consult-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:54px;align-items:start}.questions>h3{font-size:21px;margin:0 0 18px}.questions details{border-bottom:1px solid #cfd5e5}summary{cursor:pointer;list-style:none;padding:18px 32px 18px 0;position:relative;color:var(--navy);font-weight:700;font-size:15px}summary::-webkit-details-marker{display:none}summary:after{content:'+';position:absolute;right:3px;top:16px;font-size:20px;font-weight:400}details[open]>summary:after{content:'−'}details>p{font-size:14px;color:var(--muted);padding:0 24px 20px 0}.question-contact{margin-top:25px;font-size:13px;color:var(--muted)}.form-card{padding:32px;background:white;border:1px solid var(--line);border-radius:14px;box-shadow:0 16px 50px #262a8207;scroll-margin-top:20px}.form-card>h3{font-size:28px}.form-card>p{font-size:14px;color:var(--muted);margin-top:12px}form{margin-top:20px}form>.fine{margin-bottom:12px}.fieldgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.span{grid-column:1/-1}label,legend{display:block;font-size:13px;font-weight:650;color:var(--ink);margin-bottom:6px}label span,legend span{font-weight:400;color:var(--muted)}input:not([type=radio]),select{width:100%;border:1px solid #aeb7ca;border-radius:7px;padding:12px;min-height:48px;background:white;color:var(--ink);font-size:16px}input:focus,select:focus{border-color:var(--navy)}input+small{display:block;font-size:11px;color:var(--muted);margin-top:5px}fieldset{padding:0;border:0;margin:20px 0}legend{font-size:12px}.contact-choices{display:flex;gap:10px;flex-wrap:wrap}.contact-choices label{border:1px solid #b2bbce;flex:1;display:flex;align-items:center;justify-content:center;gap:7px;padding:10px 8px;border-radius:7px;margin:0;font-size:13px;cursor:pointer}.contact-choices label:has(input:checked){background:var(--soft);border-color:var(--navy)}input[type=radio]{accent-color:var(--navy);width:17px;height:17px}form>.btn{width:100%;font-size:14px}form>.disclaimer{margin-bottom:16px}#form-status:not(:empty){padding:15px;background:#e7f3ed;border:1px solid #85b49a;border-radius:8px;color:#194f36;margin-top:16px;font-size:14px}.next{border-top:1px solid var(--line);padding-top:20px;margin-top:22px;font-size:13px}.next p{color:var(--muted);margin-top:6px}.apply-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:60px;align-items:center}.application h2{font-size:32px}.application p{color:var(--muted);margin-top:18px}.application .fine{margin:12px 0}.application a:not(.btn){font-size:13px}.outline{border:1px solid var(--navy);background:white}.outline:hover{background:var(--soft)}.legal{padding:12px 0 30px}.legal details{border-top:1px solid var(--line)}.legal h2{font-size:18px;margin:20px 0 10px}.legal p{font-size:12px;color:var(--muted)}.sitefooter{background:#f6f7fa;border-top:1px solid var(--line);padding:40px 0 25px;font-size:12px;color:var(--muted)}.footergrid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:40px}.footergrid h3{font-size:15px;margin-bottom:14px}.footergrid p{margin-bottom:14px}.footergrid a{overflow-wrap:anywhere}.housing-identity{display:flex;gap:12px;align-items:center}.housing-identity img{width:32px;height:auto}.footer-links{display:grid;gap:8px}.footer-legal-summary,.footer-bottom{border-top:1px solid var(--line);padding-top:18px;margin-top:18px;font-size:11px}.sticky{display:none}dialog{border:1px solid var(--line);border-radius:16px;padding:40px;width:min(500px,calc(100% - 32px));color:var(--ink)}dialog::backdrop{background:#101438a8}dialog h2{font-size:28px}dialog p{margin:16px 0}dialog .btn{margin-top:8px}.close{position:absolute;right:14px;top:10px;border:0;background:none;font-size:28px;color:var(--navy);width:36px;height:36px}.back{display:block;border:0;background:none;color:var(--navy);text-decoration:underline;margin:20px auto 0;padding:10px}.section,[id]{scroll-margin-top:20px}[hidden]{display:none!important}
@media(max-width:1000px){.shell{width:calc(100% - 40px)}.hero-grid{gap:30px;grid-template-columns:1.2fr 1fr}.hero{padding:38px 0}.benefits{padding:20px}.benefit-row{grid-template-columns:90px 1fr;gap:10px}.benefit-row>strong{font-size:20px}.consult-grid{gap:28px}.rating{padding-left:20px;gap:12px}.trust-grid{gap:15px}.section-heading{gap:30px}.header-inner{gap:20px}}
@media(max-width:700px){.shell{width:calc(100% - 36px)}.header-inner{height:64px;gap:12px}.branding{gap:8px}.branding img{width:34px;height:34px}.branding strong{font-size:16px}.branding small{font-size:9px}.header-inner nav{display:none}.header-cta{margin-left:auto;padding:8px 9px;font-size:11px;white-space:nowrap}.header-cta span{padding-left:2px}.menu{display:block;background:white;border:0;color:var(--navy);font-size:23px;width:32px;height:44px;padding:0}#mobile-nav{position:absolute;inset:64px 0 auto;background:white;border-bottom:1px solid var(--line);padding:18px;box-shadow:0 12px 20px #262a8212}#mobile-nav a{display:block;padding:10px;font-size:14px}.hero{padding:27px 0 28px;background:white}.hero-grid{grid-template-columns:1fr;gap:28px}.hero .eyebrow{font-size:9px;letter-spacing:.1em;margin-bottom:14px}h1{font-size:34px;line-height:1.08;letter-spacing:-.04em}.hero-lead{font-size:16px;line-height:1.5;margin:18px 0}.hero-copy>.btn{width:100%;font-size:13px;gap:8px;padding:15px 12px;min-height:54px}.disclaimer{font-size:10px;margin-top:9px}.text-link{font-size:12px;margin-top:14px}.benefits{border-radius:10px;background:#f5f6fc;padding:18px}.benefit-row{grid-template-columns:100px 1fr;padding:16px 0;gap:18px}.benefit-row>strong{font-size:22px}.benefit-row h2{font-size:15px}.benefits>.eyebrow{margin-bottom:0}.trust{padding:24px 0}.trust-grid{display:block}.identity{gap:14px}.identity img{width:72px;height:72px}.identity h2{font-size:18px}.identity p{font-size:11px}.rating{border-left:0;border-top:1px solid var(--line);margin-top:20px;padding:18px 0 0;gap:20px}.rating>strong{font-size:38px}.section{padding:44px 0}.section-heading{grid-template-columns:1fr;gap:18px;margin-bottom:25px}.eyebrow{font-size:10px;margin-bottom:12px}h2{font-size:29px}.section-heading>p{font-size:15px}.program-grid{grid-template-columns:1fr;gap:16px}.program{padding:24px}.program h3{font-size:25px}.costs{padding:42px 0}.costs-grid{grid-template-columns:1fr;gap:30px}.costs-grid>div>p:last-child{font-size:15px;margin-top:18px}.quote-grid{grid-template-columns:1fr;gap:28px}.quote-grid blockquote{font-size:20px}.consult-grid{grid-template-columns:1fr;gap:30px}.form-card{padding:24px 20px}.form-card>h3{font-size:26px}.fieldgrid{grid-template-columns:1fr;gap:15px}.contact-choices{gap:6px}.contact-choices label{font-size:12px}.apply-grid{grid-template-columns:1fr;gap:22px}.application h2{font-size:28px}.application .btn{width:100%;font-size:13px}.footergrid{grid-template-columns:1fr;gap:20px}.sitefooter{padding-bottom:130px}.sticky:not([hidden]){display:block;position:fixed;z-index:15;left:0;right:0;bottom:0;padding:10px 18px calc(8px + env(safe-area-inset-bottom));background:#fffffffa;border-top:1px solid var(--line);box-shadow:0 -6px 24px #262a8210}.sticky .btn{width:100%;min-height:46px;padding:12px;font-size:13px}.sticky small{display:block;text-align:center;font-size:9px;color:var(--muted);margin-top:4px}.legal{padding:10px 0 25px}.footergrid .branding small{font-size:11px}dialog{padding:30px 24px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{header,.sticky,dialog{display:none!important}.section{padding:20px 0}body{font-size:12px}}

/* V3: mobile value visibility, resilient benefit wrapping, attributed reviews. */
.mobile-benefits{display:none}.benefit-row{grid-template-columns:minmax(0,110px) minmax(0,1fr)}.benefit-row>*{min-width:0}.benefit-row>strong{overflow-wrap:normal;white-space:normal;word-break:normal}.benefit-row p{overflow-wrap:break-word}.source-ratings{display:grid;grid-template-columns:1fr 1fr;gap:20px}.source-rating strong{font-size:27px;letter-spacing:-.04em;color:var(--navy)}.source-rating strong span{font-size:14px;letter-spacing:0}.source-rating b{display:block;font-size:13px}.source-rating p{font-size:11px;color:var(--muted)}.review-sources{padding-left:28px;border-left:1px solid var(--line)}.review-sources>.fine{font-size:10px;margin-top:9px;max-width:340px}.reviews-heading{margin-bottom:24px}.reviews-heading h2{font-size:28px}.quote-grid .card-label{margin-bottom:12px}.quote-grid figcaption a{display:block;margin-top:7px;font-size:12px}.quote-grid blockquote{font-size:21px}.review-context{font-size:13px;color:var(--muted);margin:0 0 15px}.quote-grid figure{min-width:0}
@media(max-width:1000px){.benefit-row{grid-template-columns:minmax(0,90px) minmax(0,1fr)}.source-ratings{gap:15px}.review-sources{padding-left:18px}.source-rating strong{font-size:24px}}
@media(max-width:700px){.hero{padding-top:22px}.hero h1{font-size:32px;line-height:1.08}.hero .eyebrow{margin-bottom:12px}.hero-lead{font-size:15px;line-height:1.45;margin:15px 0}.mobile-benefits{display:block;margin:0 0 15px}.mobile-stat-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:7px}.mobile-stat{display:flex;flex-direction:column;align-items:flex-start;padding:11px 8px;border:1px solid #dce0eb;border-top:3px solid var(--gold);border-radius:7px;background:#f5f6fc;text-decoration:none;min-width:0}.mobile-stat strong{font-size:22px;line-height:1.15;letter-spacing:-.04em;white-space:nowrap}.mobile-stat span{font-size:10px;line-height:1.35;margin-top:5px;font-weight:650}.mobile-stat small{font-size:9px;line-height:1.4;margin-top:5px;color:var(--muted)}.mobile-benefits>p{font-size:10px;line-height:1.4;margin-top:7px;color:var(--muted)}.hero-grid{gap:22px}.hero-copy>.btn{font-size:13px}.benefits{padding:18px}.benefit-row{grid-template-columns:minmax(0,95px) minmax(0,1fr);gap:14px}.benefit-row>strong{font-size:21px}.review-sources{border-left:0;border-top:1px solid var(--line);margin-top:20px;padding:17px 0 0}.source-ratings{grid-template-columns:1fr 1fr}.source-rating strong{font-size:30px}.review-sources>.fine{font-size:10px;max-width:none}.quote-grid blockquote{font-size:20px}}
@media(max-width:375px){.hero h1{font-size:30px}.mobile-stat{padding:10px 6px}.mobile-stat strong{font-size:20px}}

/* V4: tested design optimization, production contact integration. */

header .header-inner{position:relative}

.hero-proof{margin:10px 0 15px;padding:11px 14px;border-left:3px solid var(--navy);background:#f6f7fb;border-radius:0 7px 7px 0;max-width:555px}
.hero-proof blockquote{font-size:15px;line-height:1.38;font-weight:740;margin:0;color:var(--ink)}
.hero-proof figcaption{font-size:10px;line-height:1.4;margin-top:4px;color:var(--muted)}
.hero-proof figcaption a{color:var(--navy);text-underline-offset:2px}
.hero-proof-caveat{font-size:9px;color:var(--muted);margin:3px 0 0;line-height:1.15}



@media(max-width:700px){
 
 .hero{padding-top:15px}
 .hero .eyebrow{margin-bottom:9px}
 .hero-lead{margin:10px 0 11px}
 .mobile-benefits{margin:0 0 9px}
 .mobile-stat{padding:8px 6px}
 .mobile-stat span{margin-top:3px}
 .mobile-stat small{margin-top:2px}
 .mobile-benefits>p{margin:4px 0 0}
 .hero-proof{margin:6px 0 11px;padding:8px 10px}
 .hero-proof blockquote{font-size:12px;line-height:1.28}
 .hero-proof figcaption{font-size:9px;margin-top:3px}
 .benefits{display:none}
 .hero-copy>.btn{min-height:48px;padding:10px 11px}
 .text-link{margin-top:9px}
 .form-card .fieldgrid{grid-template-columns:1fr;gap:12px}
}
@media(max-width:375px){.hero-proof blockquote{font-size:11.5px}.hero-proof figcaption{font-size:8.5px}}
@media print{}

/* Accessible immediate direct-contact path alongside the primary CTA. */
.hero-direct-contact{display:flex;align-items:baseline;gap:7px;flex-wrap:wrap;margin:8px 0 1px;color:var(--muted);font-size:13px;line-height:1.45}
.hero-direct-contact a{color:var(--navy);font-weight:750;text-decoration:underline;text-underline-offset:3px;white-space:nowrap}
.hero-direct-contact .contact-separator{color:#a3a9ba;margin:0 1px}
.captcha-wrap{margin:16px 0 18px;min-height:78px;overflow:visible}
.form-card button[data-lead-submit]{width:100%}
.form-card button:disabled{cursor:wait;opacity:.75}
#form-status{background:#f1f3f9;border:1px solid #d4daea;color:#2c355c;border-radius:7px;padding:10px 12px;font-size:12px;margin-top:12px}
.form-consent{margin-top:12px}
@media(max-width:700px){.hero-direct-contact{font-size:12px;gap:5px}.hero-direct-contact .email-link{font-size:11px}.hero-copy>.btn{width:100%}}
@media(max-width:370px){.hero-direct-contact{font-size:11px}.hero-direct-contact .email-link{font-size:10.5px}}