/* The Mortgage Firm — standalone, dependency-free Framer-inspired landing page */
:root{--paper:#ffffff;--paper-bright:#ffffff;--paper-dim:#f2f2f2;--ink:#101010;--ink-soft:#474747;--ink-muted:#666666;--line:#d8d8d8;--gold:#000000;--dark:#0b0b0b;--dark-2:#171717;--serif:Georgia,'Times New Roman',serif;--sans:'Avenir Next','Century Gothic','Segoe UI',Arial,sans-serif;--container:1280px;--ease:cubic-bezier(.22,1,.36,1)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:92px}body{margin:0;color:var(--ink);background:var(--paper);font-family:var(--sans);-webkit-font-smoothing:antialiased}body.menu-open{overflow:hidden}button,input{font:inherit}button{cursor:pointer}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}button:focus-visible,a:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #444444;outline-offset:4px}::selection{background:#e6e6e6;color:#111111}[hidden]{display:none!important}.visually-hidden{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}.skip-link{position:absolute;z-index:500;left:16px;top:-80px;background:white;padding:12px 20px}.skip-link:focus{top:10px}.container{width:min(var(--container),calc(100% - 112px));margin-inline:auto}.container-wide{width:min(1520px,calc(100% - 78px));margin-inline:auto}.section-pad{padding-block:125px}.section-top{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-bottom:18px;border-bottom:1px solid var(--line);font-size:10px;letter-spacing:.16em;font-weight:650;color:#65615b;text-transform:uppercase}.section-number{color:var(--ink)}.eyebrow{display:block;letter-spacing:.17em;font-size:10px;font-weight:750;margin-bottom:28px}.text-link{display:inline-flex;gap:30px;align-items:center;justify-content:space-between;font-size:11px;font-weight:750;letter-spacing:.09em;border-bottom:1px solid currentColor;padding-bottom:9px}.text-link span,.button span{transition:transform .3s var(--ease)}.text-link:hover span,.button:hover span{transform:translate(3px,-3px)}
/* header */
.site-header{position:sticky;top:0;z-index:60;background:rgba(236,231,223,.96);border-bottom:1px solid rgba(41,41,35,.12);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px)}.header-inner{height:84px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{position:relative;display:flex;gap:12px;align-items:center;min-width:218px}.brand-mark{width:48px;height:48px;border:1.5px solid #111111;display:grid;place-items:center;transform:rotate(-7deg);flex:none}.brand-mark-inner{font-family:var(--serif);font-weight:bold;font-size:19px;letter-spacing:-.08em;transform:rotate(7deg)}.brand-mark-dot{color:#111111}.brand-name{font-size:13px;line-height:1.12;letter-spacing:.045em;font-weight:800}.brand-name-suffix{font-size:9px;font-weight:500}.brand-image{position:absolute;left:0;top:50%;transform:translateY(-50%);height:55px;width:auto;max-width:205px;object-fit:contain;background:var(--paper);padding:4px;display:none}.brand.has-logo .brand-image{display:block}.desktop-nav{display:flex;align-items:center;justify-content:center;gap:clamp(17px,2.6vw,43px);margin-left:auto}.desktop-nav a{font-size:10px;white-space:nowrap;letter-spacing:.11em;font-weight:750;transition:opacity .2s}.desktop-nav a:hover{opacity:.55}.header-actions{display:flex;align-items:center;gap:14px;margin-left:12px}.login-button{border:1px solid var(--ink);background:var(--ink);color:var(--paper-bright);min-height:42px;padding:0 19px;display:flex;gap:12px;align-items:center;justify-content:center;font-size:10px;font-weight:750;letter-spacing:.12em;transition:background .2s,color .2s}.login-button:hover{background:transparent;color:var(--ink)}.menu-toggle{display:none;width:44px;height:44px;border:1px solid var(--line);background:transparent;align-items:center;justify-content:center;flex-direction:column;gap:6px}.menu-toggle span{width:18px;height:1.5px;background:var(--ink);transition:transform .2s}.menu-toggle[aria-expanded="true"] span:first-child{transform:translateY(3.75px) rotate(45deg)}.menu-toggle[aria-expanded="true"] span:last-child{transform:translateY(-3.75px) rotate(-45deg)}.mobile-nav{display:none}
/* hero */
.hero{padding:18px 18px 0}.hero-frame{position:relative;min-height:min(820px,calc(100svh - 102px));height:clamp(670px,calc(100svh - 102px),980px);overflow:hidden;background:#444444;color:white}.hero-media,.hero-shade{position:absolute;inset:0}.media-backdrop{background:linear-gradient(125deg,#555555 5%,#888888 52%,#c4c4c4 100%);overflow:hidden}.media-backdrop img{width:100%;height:100%;object-fit:cover;object-position:center;transition:transform 1.2s var(--ease),opacity .35s}.hero-media img{object-position:center 47%}.hero-frame:hover .hero-media img{transform:scale(1.025)}.hero-shade{background:linear-gradient(90deg,rgba(12,14,14,.59),rgba(13,12,10,.20) 68%,rgba(13,12,10,.13)),linear-gradient(0deg,rgba(17,17,16,.40),transparent 42%)}.hero-inner{position:relative;z-index:1;min-height:100%;height:100%;display:flex;flex-direction:column;justify-content:space-between}.hero-topline{padding-top:39px;font-size:11px;letter-spacing:.18em;font-weight:750;display:flex;align-items:center;gap:14px}.small-sun{font-size:23px;font-weight:normal}.hero-body{display:flex;justify-content:space-between;gap:25px;align-items:flex-end;padding:50px 0 60px}.hero-copy{max-width:1040px}.hero h1{font-size:clamp(66px,6.6vw,115px);font-weight:480;letter-spacing:-.063em;line-height:.99;margin:0 0 33px}.hero h1 em,.manifesto h2 em,.services h2 em,.difference h2 em,.faq h2 em,.contact h2 em{font-family:var(--serif);font-weight:normal;letter-spacing:-.067em}.hero h1 em{color:#ffffff}.hero-copy>p{font-size:11px;line-height:1.8;letter-spacing:.19em;font-weight:650;max-width:530px;margin:0 0 32px}.hero-buttons{display:flex;align-items:center;gap:28px;flex-wrap:wrap}.button{min-height:54px;display:inline-flex;justify-content:space-between;align-items:center;gap:36px;padding:0 20px;font-size:10px;letter-spacing:.10em;font-weight:800;transition:background .2s,color .2s}.button-cream{background:var(--paper-bright);color:var(--ink)}.button-cream:hover{background:#eaeaea}.text-link-light{color:white}.hero-side-label{align-self:flex-end;display:flex;gap:30px;writing-mode:vertical-rl;letter-spacing:.15em;font-size:10px}.hero-bottomline{display:flex;align-items:center;justify-content:space-between;border-top:1px solid rgba(255,255,255,.4);padding:18px 0 22px;font-size:10px;letter-spacing:.14em;font-weight:600}.down-arrow{font-size:15px;margin-left:10px}
.lender-strip{border-bottom:1px solid var(--line)}.lender-strip-inner{min-height:107px;display:flex;align-items:center;gap:26px;font-size:10px;letter-spacing:.14em;font-weight:750;color:#444444}.lender-star{font-size:29px;color:#000000}.lender-line{height:1px;background:#d8d8d8;flex:1}.lender-strip-inner>span:last-child{font-size:9px;color:#666666}
/* manifesto */
.manifesto{background:var(--paper)}.manifesto-content{padding-top:88px}.manifesto-deco{display:block;font-size:67px;color:#111111;margin:0 0 40px;line-height:1}.manifesto h2{font-size:clamp(54px,6.15vw,105px);letter-spacing:-.065em;line-height:1.04;font-weight:480;margin:0;max-width:1180px}.manifesto h2 em{color:#111111}.manifesto .outlined{color:#555555}.manifesto-foot{display:flex;align-items:flex-end;justify-content:space-between;margin-top:57px;gap:48px}.manifesto-foot p{max-width:485px;margin:0 0 3px auto;font-size:16px;line-height:1.8;color:#666666}.round-arrow{width:63px;height:63px;border:1px solid var(--ink);border-radius:50%;display:grid;place-items:center;flex:none;font-size:26px;transition:transform .3s,background .3s,color .3s}.round-arrow:hover{background:var(--ink);color:var(--paper);transform:rotate(45deg)}
/* services */
.services{background:#f3f3f3}.services-intro{display:flex;justify-content:space-between;align-items:flex-end;gap:65px;padding:86px 0 56px}.services h2,.difference h2,.faq h2,.contact h2{font-weight:480;line-height:1.05;letter-spacing:-.065em;margin:0}.services h2{font-size:clamp(55px,5.4vw,89px)}.services h2 em{color:#333333}.services-intro>p{font-size:15px;line-height:1.75;color:#666666;max-width:330px;margin:0 0 7px}.services-showcase{display:grid;grid-template-columns:42% 58%;min-height:610px;background:var(--dark);color:var(--paper-bright)}.service-selector{display:flex;flex-direction:column;padding:32px 42px}.service-tab{min-height:96px;width:100%;border:0;border-bottom:1px solid #555555;background:transparent;color:#bfbfbf;text-align:left;display:grid;grid-template-columns:34px 1fr 24px;align-items:center;gap:15px;padding:8px 0;transition:color .2s}.service-tab:first-child{border-top:1px solid #555555}.service-tab-index{font-size:11px;letter-spacing:.05em;color:#bdbdbd}.service-tab-title{font-size:clamp(23px,2.4vw,39px);letter-spacing:-.04em;font-weight:470}.service-tab-arrow{font-size:24px;opacity:0;transform:translate(-4px,4px);transition:all .2s}.service-tab.is-active,.service-tab:hover{color:#fff}.service-tab.is-active .service-tab-arrow,.service-tab:hover .service-tab-arrow{opacity:1;transform:none}.service-tab.is-active .service-tab-index{color:var(--gold)}.service-selector-footer{margin-top:auto;display:flex;justify-content:space-between;gap:20px;color:#bcbcbc;font-size:10px;letter-spacing:.12em;padding-top:24px}.service-panels{position:relative;min-width:0;min-height:610px}.service-panel{position:absolute;inset:0;display:flex;flex-direction:column;min-width:0}.service-picture{position:relative;flex:1;min-height:300px}.service-picture img{object-position:center}.service-caption{min-height:191px;background:#f8f8f8;color:var(--ink);display:flex;justify-content:space-between;align-items:flex-end;gap:28px;padding:24px 30px 26px}.service-caption>div>span{font-size:10px;letter-spacing:.14em;font-weight:700;color:#555555}.service-caption h3{margin:8px 0;font-size:26px;font-weight:550;letter-spacing:-.04em}.service-caption p{font-size:13px;line-height:1.58;margin:0;max-width:540px;color:#625d55}.round-arrow-light{width:48px;height:48px;font-size:23px}
/* comparison */
.difference{background:var(--paper-bright)}.difference-heading{padding:85px 0 56px;display:grid;grid-template-columns:1fr 330px;gap:36px;align-items:end}.difference-heading .eyebrow{grid-column:1/-1;margin:0}.difference h2{font-size:clamp(58px,5.6vw,91px)}.difference h2 em{color:#111111}.difference-heading>p{color:#736c62;font-size:15px;line-height:1.75;margin:0 0 6px}.comparison{display:grid;grid-template-columns:1fr 1fr;gap:17px}.comparison-card{padding:40px 42px 37px;min-height:440px}.comparison-bank{background:#e5dfd7}.comparison-tmf{background:#32342d;color:#f1eee7}.comparison-top{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid currentColor;padding-bottom:23px;gap:12px;font-size:10px;letter-spacing:.14em;font-weight:720;opacity:.76}.comparison-symbol{font-size:32px;line-height:.7}.comparison-card h3{font-size:42px;font-weight:480;letter-spacing:-.055em;margin:32px 0 24px}.comparison-card ol{list-style:none;margin:0;padding:0}.comparison-card li{border-bottom:1px solid rgba(120,112,103,.3);display:flex;align-items:center;gap:24px;font-size:15px;min-height:48px}.comparison-tmf li{border-color:#64665e}.comparison-card li span{font-size:10px;color:#8b8175}.comparison-tmf li span{color:#bdab90}.button-dark{background:var(--dark);color:#fff}.button-dark:hover{background:#4b4b42}.difference-cta{margin-top:33px}
/* faq */
.faq{background:var(--paper)}.faq-layout{padding-top:92px;display:grid;grid-template-columns:43% 1fr;gap:8%}.faq h2{font-size:clamp(55px,5vw,82px)}.faq h2 em{color:#b39473}.faq-intro>p{color:#736c62;font-size:15px;line-height:1.8;max-width:360px;margin-top:28px}.faq-deco{display:block;font-size:96px;color:#b89a73;line-height:1.4;margin-top:40px}.faq-item{border-top:1px solid #bfb9af}.faq-item:last-child{border-bottom:1px solid #bfb9af}.faq-item summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:22px;padding:29px 3px;cursor:pointer;font-size:20px;letter-spacing:-.035em;font-weight:550}.faq-item summary::-webkit-details-marker{display:none}.faq-plus{height:32px;width:32px;position:relative;flex:none;border:1px solid #aea499;border-radius:50%}.faq-plus:before,.faq-plus:after{content:"";position:absolute;background:var(--ink);left:9px;right:9px;top:15px;height:1px}.faq-plus:after{transform:rotate(90deg);transition:transform .25s}.faq-item[open] .faq-plus:after{transform:rotate(0)}.faq-answer{padding:0 55px 25px 3px}.faq-answer p{font-size:14px;color:#665f58;line-height:1.85;margin:0;max-width:560px}
/* contact + footer */
.contact{background:#f1f1f1}.section-top-contact{border-color:#d0d0d0}.contact-heading{display:flex;align-items:end;justify-content:space-between;position:relative;border-bottom:1px solid #bbbbbb;padding:95px 0 47px;gap:25px}.contact-heading .eyebrow{position:absolute;top:57px;margin:0}.contact h2{font-size:clamp(95px,13vw,215px)}.contact h2 em{color:#222222}.contact-arrow{width:105px;height:105px;border:1px solid var(--ink);border-radius:50%;display:grid;place-items:center;font-size:54px;line-height:1;transition:background .25s,color .25s,transform .25s}.contact-arrow:hover{background:var(--ink);color:#222222;transform:rotate(45deg)}.contact-grid{display:grid;grid-template-columns:1fr 1fr 1.1fr;gap:55px;padding-top:62px}.contact-label{font-size:10px;font-weight:800;letter-spacing:.15em}.contact-grid p,.contact-grid address{font-size:14px;line-height:1.8;font-style:normal;color:#444444;margin:20px 0 23px}.contact-email{display:inline-flex;gap:16px;align-items:center;border-bottom:1px solid #555555;padding-bottom:10px;font-size:15px;font-weight:650;word-break:break-word}.contact-grid .text-link{margin-top:2px}.subscribe-form{margin-top:23px;display:flex;align-items:center;border-bottom:1px solid #555555;min-height:47px}.subscribe-form input{min-width:0;width:100%;outline:none;border:0;background:transparent;color:var(--ink);font-size:11px;letter-spacing:.09em}.subscribe-form input::placeholder{color:#777777;opacity:1}.subscribe-form button{border:0;background:transparent;font-size:26px;padding:5px 3px 8px 14px}.contact-grid .subscribe-help{font-size:11px;line-height:1.5;margin-top:10px;color:#666666}.footer{background:#0b0b0b;color:#ffffff;padding:75px 0 0}.footer-main{display:flex;justify-content:space-between;gap:35px;padding-bottom:80px}.footer-wordmark{font-size:clamp(44px,6vw,94px);line-height:.92;letter-spacing:-.067em;font-weight:560;position:relative}.footer-wordmark span{color:#ffffff;font-size:40px;vertical-align:top;margin-left:15px}.footer-links{display:flex;gap:clamp(50px,8vw,150px)}.footer-links>div{display:flex;flex-direction:column;gap:15px}.footer-links>div>span{color:#c2c2c2;font-size:10px;letter-spacing:.14em;font-weight:750;margin-bottom:10px}.footer-links a{font-size:12px;letter-spacing:.075em}.footer-links a:hover,.footer-bottom a:hover{color:#ffffff}.footer-legal{border-top:1px solid #555555;padding:29px 0;display:grid;grid-template-columns:2fr 1fr;gap:50px}.footer-legal p{margin:0;color:#bdbdbd;font-size:11px;line-height:1.75}.footer-legal a{text-decoration:underline;text-underline-offset:3px}.footer-bottom{border-top:1px solid #555555;display:flex;justify-content:space-between;gap:20px;padding:22px 0;font-size:9px;letter-spacing:.11em;color:#bbbbbb}.footer-bottom a{color:#ffffff;margin-left:14px}
/* entrance effects */
.reveal{opacity:1;transform:none}.js-animations .reveal{opacity:0;transform:translateY(30px);transition:opacity .85s var(--ease),transform .85s var(--ease)}.js-animations .reveal.in-view{opacity:1;transform:none}
@media(max-width:1180px){.desktop-nav{gap:17px}.brand{min-width:182px}.container{width:min(var(--container),calc(100% - 80px))}.container-wide{width:calc(100% - 60px)}.hero h1{font-size:clamp(66px,7.4vw,98px)}.hero-frame{min-height:640px}.services-showcase{min-height:580px}.service-panels{min-height:580px}.service-selector{padding:29px 32px}.service-caption{min-height:208px}.difference-heading{grid-template-columns:1fr 280px}}
@media(max-width:960px){.desktop-nav{display:none}.menu-toggle{display:flex}.header-inner{height:76px}.site-header{position:sticky}.mobile-nav{display:block;position:absolute;left:0;right:0;top:100%;height:calc(100dvh - 76px);max-height:0;overflow:hidden;visibility:hidden;background:var(--paper);transition:max-height .35s var(--ease),visibility .35s}.mobile-nav.is-open{max-height:calc(100dvh - 76px);visibility:visible;overflow:auto}.mobile-nav-inner{padding:25px 34px 45px;display:flex;flex-direction:column}.mobile-nav a{font-size:clamp(29px,6vw,49px);font-weight:500;letter-spacing:-.04em;padding:16px 0;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:center}.mobile-nav a span{font-size:12px;letter-spacing:0}.mobile-nav .mobile-login{color:#000000}.mobile-nav p{font-size:12px;letter-spacing:.07em;margin-top:40px;color:var(--ink-muted)}.section-pad{padding-block:90px}.services-intro{padding-top:65px}.services-showcase{grid-template-columns:40% 60%}.service-selector{padding:25px}.service-tab{min-height:90px;gap:8px;grid-template-columns:20px 1fr 18px}.service-tab-title{font-size:clamp(21px,2.9vw,30px)}.service-caption{padding:20px}.service-caption p{font-size:12px}.faq-layout{gap:5%}.faq-item summary{font-size:17px}.contact-grid{gap:28px}.contact-email{font-size:12px}}
@media(max-width:740px){html{scroll-padding-top:70px}.header-inner{height:70px}.container,.container-wide{width:calc(100% - 42px)}.brand{min-width:0}.brand-mark{height:38px;width:38px}.brand-mark-inner{font-size:16px}.brand-name{font-size:11px}.brand-image{height:45px}.login-button{min-height:42px;padding:0 13px;gap:7px;font-size:10px}.login-button svg{width:15px}.header-actions{gap:9px;margin-left:auto}.menu-toggle{width:42px;height:42px}.mobile-nav{height:calc(100dvh - 70px)}.mobile-nav.is-open{max-height:calc(100dvh - 70px)}.hero{padding:9px 9px 0}.hero-frame{height:calc(100svh - 80px);min-height:630px;max-height:850px}.hero-inner{width:calc(100% - 42px)}.hero-topline{padding-top:24px;font-size:9px;letter-spacing:.12em}.hero-body{padding-bottom:46px;align-items:flex-end}.hero h1{font-size:clamp(49px,9.5vw,83px);margin-bottom:23px}.hero-copy>p{font-size:9px;line-height:1.8;margin-bottom:23px;letter-spacing:.13em;max-width:370px}.hero-buttons{gap:20px}.hero-side-label{display:none}.hero-bottomline{font-size:9px;padding:13px 0 17px}.lender-strip-inner{min-height:76px;gap:14px;font-size:9px}.lender-strip-inner>span:last-child{display:none}.lender-star{font-size:23px}.section-pad{padding-block:76px}.section-top{font-size:9px;letter-spacing:.09em}.manifesto-content{padding-top:55px}.manifesto-deco{font-size:47px;margin-bottom:24px}.manifesto h2{font-size:clamp(45px,8.5vw,69px)}.manifesto-foot{margin-top:40px;gap:25px}.manifesto-foot p{font-size:14px;max-width:400px;margin:0}.round-arrow{width:52px;height:52px;font-size:23px}.services-intro{display:block;padding:50px 0 30px}.services h2{font-size:clamp(47px,8vw,68px)}.services-intro>p{margin-top:21px;font-size:14px;max-width:500px}.services-showcase{display:flex;flex-direction:column;min-height:0}.service-selector{padding:12px 22px 18px}.service-tab{min-height:63px;grid-template-columns:25px 1fr 20px}.service-tab-title{font-size:26px}.service-selector-footer{display:none}.service-panels{min-height:590px}.service-panel{position:absolute}.service-caption{min-height:196px}.difference-heading{display:block;padding:55px 0 37px}.difference-heading .eyebrow{margin-bottom:24px}.difference h2{font-size:clamp(47px,8vw,73px)}.difference-heading>p{margin-top:25px;max-width:470px;font-size:14px}.comparison{grid-template-columns:1fr;gap:12px}.comparison-card{min-height:0;padding:30px 26px}.comparison-card h3{font-size:32px;margin:26px 0 12px}.comparison-card li{font-size:14px;min-height:45px}.faq-layout{grid-template-columns:1fr;padding-top:54px;gap:35px}.faq h2{font-size:clamp(49px,8vw,70px)}.faq-intro>p{margin-top:18px}.faq-deco{display:none}.faq-item summary{font-size:18px}.contact-heading{padding:79px 0 37px}.contact-heading .eyebrow{top:42px}.contact h2{font-size:clamp(88px,16vw,150px)}.contact-arrow{width:69px;height:69px;font-size:37px}.contact-grid{grid-template-columns:1fr 1fr;gap:40px 24px;padding-top:48px}.subscribe-area{grid-column:1/-1;max-width:500px}.footer{padding-top:55px}.footer-main{padding-bottom:58px}.footer-wordmark{font-size:59px}.footer-links{gap:30px}.footer-legal{grid-template-columns:1fr;gap:18px}.footer-bottom{font-size:9px}}
@media(max-width:470px){.brand-name{font-size:9.5px}.brand-mark{width:34px;height:34px}.brand-mark-inner{font-size:14px}.brand{gap:7px}.header-inner{gap:6px}.header-actions{gap:6px}.login-button{padding:0 10px}.login-button svg{width:14px}.menu-toggle{width:40px}.hero-frame{min-height:625px}.hero h1{font-size:clamp(43px,10vw,57px);line-height:1.05}.hero-shade{background:linear-gradient(90deg,rgba(12,12,10,.71),rgba(12,12,10,.18)),linear-gradient(0deg,rgba(8,8,8,.5),transparent 60%)}.hero-topline{font-size:8px}.hero-copy>p{max-width:315px}.hero-buttons{display:flex;flex-direction:column;align-items:flex-start;gap:20px}.button{min-height:50px;padding:0 17px;gap:24px}.hero-bottomline{font-size:8px}.section-top>span:last-child{max-width:175px;text-align:right}.manifesto h2{font-size:clamp(40px,10.2vw,53px)}.manifesto-foot{align-items:flex-start}.manifesto-foot p{font-size:13px}.manifesto-foot .round-arrow{width:43px;height:43px;font-size:19px}.services h2,.difference h2{font-size:clamp(42px,10vw,55px)}.service-tab-title{font-size:22px}.service-panels{min-height:548px}.service-picture{min-height:275px}.service-caption{min-height:240px;align-items:flex-end;padding:18px;gap:12px}.service-caption h3{font-size:23px}.service-caption p{font-size:12px}.round-arrow-light{width:42px;height:42px}.faq-item summary{font-size:17px}.contact h2{font-size:clamp(78px,19vw,110px)}.contact-arrow{width:50px;height:50px;font-size:26px}.contact-grid{grid-template-columns:1fr;gap:36px}.contact-grid p{margin:12px 0 18px}.subscribe-area{grid-column:auto}.footer-main{flex-direction:column;gap:46px}.footer-wordmark{font-size:clamp(46px,12.6vw,66px)}.footer-links{justify-content:space-between;gap:18px}.footer-bottom{flex-direction:column;gap:11px}.footer-bottom a{margin-left:6px}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;animation-duration:.01ms!important;transition-duration:.01ms!important}.js-animations .reveal{opacity:1;transform:none}}

/* V3 — STRICT MONOCHROME FRAMER REFERENCE REFINEMENTS */
:root{--paper:#fff;--paper-bright:#fff;--paper-dim:#f4f4f4;--ink:#090909;--ink-soft:#484848;--ink-muted:#747474;--line:#ddd;--gold:#fff;--dark:#0a0a0a;--dark-2:#171717;--serif:Inter,"Helvetica Neue",Arial,sans-serif;--sans:Inter,"Helvetica Neue",Arial,sans-serif}
body{background:#fff;color:#090909} .site-header{background:rgba(255,255,255,.98);border-bottom:1px solid #e9e9e9}
.brand{min-width:240px}.brand-text{display:flex;flex-direction:column;font-size:17px;letter-spacing:-.05em;font-weight:800;line-height:1.05;white-space:nowrap}.brand-sub{font-size:8px;letter-spacing:.17em;font-weight:600;margin-top:6px}.brand-image{max-width:230px;max-height:62px;height:auto;background:#fff;padding:0}.brand.has-logo .brand-text{visibility:hidden}
.hero{padding:0}.hero-frame{background:#333;height:clamp(650px,calc(100svh - 84px),920px)}.hero-media{background:#555}.hero-media img{object-position:center center}.hero-shade{background:linear-gradient(90deg,rgba(0,0,0,.64),rgba(0,0,0,.14) 78%),linear-gradient(0deg,rgba(0,0,0,.25),transparent 42%)}
.hero-topline{font-weight:600;letter-spacing:.17em}.hero h1{font-weight:520;letter-spacing:-.064em}.hero h1 em,.manifesto h2 em,.services h2 em,.difference h2 em,.faq h2 em,.contact h2 em{font-family:var(--sans);font-style:normal;font-weight:inherit;letter-spacing:inherit;color:inherit}
.hero h1 em{color:#fff}.hero-copy>p{max-width:610px;letter-spacing:.17em}.button-cream{background:white;color:#080808}.button-cream:hover{background:#e5e5e5}.hero-bottomline{border-top:1px solid rgba(255,255,255,.46)}
.lender-strip{background:#fff}.lender-strip-inner{justify-content:center;color:#111;gap:28px}.lender-line{max-width:170px;background:#aaa}
.manifesto{background:#fff}.manifesto h2{font-size:clamp(48px,6vw,96px);max-width:1160px}.manifesto h2 em{display:inline-block;margin-top:9px}.manifesto-foot p{color:#565656}
.services{background:#f4f4f4}.services-intro{align-items:end}.services h2 em{color:#222}.services-showcase{background:#0b0b0b}.service-tab{color:#b5b5b5}.service-tab.is-active .service-tab-index{color:#fff}.service-caption{background:#fff}.service-caption>div>span{color:#555}.service-selector-footer{color:#aaa}
.difference{background:#fff}.difference h2 em{color:#222}.comparison-bank{background:#f5f5f5}.comparison-tmf{background:#0a0a0a}.comparison-tmf *{color:#fff}.comparison-tmf ol li{border-color:#444}.difference-cta{background:#0a0a0a;color:white}.difference-cta:hover{background:#333}
.faq{background:#f8f8f8}.faq h2 em{color:#161616}.contact{background:#f1f1f1}.contact h2 em{color:#333}.contact-arrow:hover{background:#101010;color:#fff}.footer{background:#090909;color:#fff}.footer-wordmark{font-size:clamp(47px,5.8vw,90px);line-height:1.03;letter-spacing:-.067em;max-width:610px}.footer-links a:hover{color:white}
.media-backdrop:not(.has-photo){background:#555}.service-picture.media-backdrop:not(.has-photo){background:#c3c3c3}.service-picture img{object-fit:cover}.hero-media img{opacity:1}
.login-button{background:#0a0a0a;color:white;border-color:#0a0a0a}.login-button:hover{background:#fff;color:#0a0a0a}
.menu-toggle{border-color:#ddd}.mobile-nav{background:#fff}.mobile-nav .mobile-login{color:#000}
button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #6c6c6c;outline-offset:3px}
@media(max-width:960px){.brand{min-width:0}}@media(max-width:470px){.brand-text{font-size:12px;letter-spacing:-.05em}.brand-sub{font-size:6px;letter-spacing:.11em}.hero-frame{min-height:620px}.hero h1{font-size:clamp(40px,10.7vw,60px)}.hero-copy>p{font-size:10px;letter-spacing:.12em}.footer-wordmark{font-size:clamp(35px,9.3vw,56px)}.manifesto h2{font-size:clamp(36px,9.5vw,54px)}}
/* Content stays visible during full-page captures, accessibility checks and on slower devices. */
.reveal,.js-animations .reveal,.js-animations .reveal.in-view{opacity:1;transform:none;transition:none}


/* V3.1 — Reference-matched header / hero / buttons / bank-carousel. Other sections unchanged. */
.site-header { position:absolute; inset:0 0 auto; z-index:80; color:#fff; background:transparent; border:0; box-shadow:none; backdrop-filter:none; -webkit-backdrop-filter:none; }
.header-inner { height:96px; width:min(1000px,calc(100% - 68px)); gap:24px; }
.brand { min-width:190px; color:#fff; }
.brand-text { font-size:16px; letter-spacing:-.055em; }
.brand-sub { font-size:8px; color:rgba(255,255,255,.78); }
.brand-image { height:54px; max-height:54px; width:auto; max-width:220px; background:transparent; padding:0; filter:grayscale(1) invert(1); mix-blend-mode:screen; }
.desktop-nav { gap:clamp(12px,1.8vw,22px); }
.desktop-nav a { color:#fff; font-size:10px; font-weight:600; letter-spacing:.06em; }
.desktop-nav a:hover { opacity:.8; }
.header-actions { margin-left:0; }
.login-button { min-height:42px; padding:0 20px; color:#fff; background:rgba(255,255,255,.18); border:1px solid rgba(255,255,255,.18); border-radius:13px; font-size:11px; letter-spacing:.03em; font-weight:650; backdrop-filter:blur(10px); -webkit-backdrop-filter:blur(10px); }
.login-button:hover { background:rgba(255,255,255,.3); color:#fff; }
.login-button svg { display:none; }
.menu-toggle { background:rgba(255,255,255,.18); border:1px solid rgba(255,255,255,.24); border-radius:12px; backdrop-filter:blur(8px); -webkit-backdrop-filter:blur(8px); }
.menu-toggle span { background:#fff; }
.mobile-nav { background:rgba(16,16,16,.98); color:#fff; border-top:1px solid rgba(255,255,255,.22); backdrop-filter:blur(18px); -webkit-backdrop-filter:blur(18px); }
.mobile-nav a { border-color:rgba(255,255,255,.2); color:#fff; }
.mobile-nav .mobile-login { color:#fff; }
.mobile-nav p { color:rgba(255,255,255,.68); }
.hero { padding:0; }
.hero-frame { width:100%; height:100svh; min-height:625px; max-height:none; background:#292929; }
.hero-media { background:#383838; }
.hero-media img { object-position:50% 50%; }
.hero-frame:hover .hero-media img { transform:none; }
.hero-shade { background:linear-gradient(180deg,rgba(0,0,0,.23),rgba(0,0,0,.16) 35%,rgba(0,0,0,.37) 100%); }
.hero-inner { position:relative; height:100%; }
.hero-body { position:absolute; inset:auto 0 clamp(70px,13svh,150px); display:block; padding:0; text-align:center; }
.hero-copy { max-width:none; width:100%; margin:0 auto; }
.hero h1 { max-width:970px; margin:0 auto 19px; font-family:Inter,Arial,Helvetica,sans-serif; font-size:clamp(41px,4.1vw,65px); line-height:1.08; letter-spacing:-.045em; font-weight:600; color:#fff; }
.hero-copy>p { max-width:600px; margin:0 auto 23px; color:#fff; font-size:14px; line-height:1.45; font-weight:500; letter-spacing:0; text-transform:none; }
.hero-buttons { display:flex; justify-content:center; align-items:center; gap:11px; }
.button { min-height:45px; padding:0 22px; border-radius:12px; font-size:13px; letter-spacing:0; font-weight:600; text-transform:none; gap:0; justify-content:center; }
.button-cream { color:#fff; background:#080808; }
.button-cream:hover { background:#252525; color:#fff; }
.button-glass { color:#fff; background:rgba(255,255,255,.24); border:1px solid rgba(255,255,255,.08); backdrop-filter:blur(9px); -webkit-backdrop-filter:blur(9px); }
.button-glass:hover { background:rgba(255,255,255,.34); }
.button-dark,.difference-cta { border-radius:12px; }
.round-arrow,.contact-arrow { border-radius:50%; }
.subscribe-form button { border-radius:12px; }
.lender-strip { background:#fff; overflow:hidden; padding:31px 0 35px; border-bottom:1px solid #e5e5e5; }
.lender-carousel-label { text-align:center; color:#424242; font-size:10px; font-weight:650; letter-spacing:.15em; margin-bottom:27px; }
.bank-carousel { position:relative; width:100%; overflow-x:auto; overflow-y:hidden; scrollbar-width:none; overscroll-behavior-inline:contain; outline-offset:-4px; cursor:grab; }
.bank-carousel::-webkit-scrollbar { display:none; }
.bank-carousel:active { cursor:grabbing; }
.bank-carousel-track { width:max-content; display:flex; align-items:center; }
.bank-carousel-group { display:flex; gap:43px; padding-right:43px; flex:none; align-items:center; }
.bank-item { flex:0 0 150px; width:150px; height:61px; display:flex; align-items:center; justify-content:center; overflow:hidden; }
/* Render real bank logos immediately, even if JavaScript is unavailable. */
.bank-item img { display:block; max-height:54px; max-width:148px; width:auto; height:auto; object-fit:contain; }
.bank-wordmark { display:none; color:#494949; font-family:Inter,Arial,sans-serif; text-align:center; letter-spacing:.02em; line-height:1.2; font-size:12px; font-weight:700; }
/* Text fallback is only for a genuinely missing/unreadable local file. */
.bank-item.is-missing img { display:none; }
.bank-item.is-missing .bank-wordmark { display:block; }
@media(max-width:1180px) { .header-inner { width:calc(100% - 54px); } .brand { min-width:155px; } .desktop-nav { gap:12px; } .desktop-nav a { font-size:9px; } }
@media(max-width:960px) { .header-inner { height:82px; } .brand { min-width:0; } .mobile-nav { top:100%; height:calc(100dvh - 82px); } .mobile-nav.is-open { max-height:calc(100dvh - 82px); } }
@media(max-width:740px) { .header-inner { width:calc(100% - 38px); height:74px; } .mobile-nav { height:calc(100dvh - 74px); } .mobile-nav.is-open { max-height:calc(100dvh - 74px); } .brand-image { height:44px; max-height:44px; max-width:175px; } .hero-media img { object-position:39% center; } .hero h1 { font-size:clamp(36px,7.5vw,48px); line-height:1.07; margin-bottom:18px; max-width:520px; } .hero-copy>p { font-size:13px; max-width:360px; margin-bottom:20px; } .hero-body { bottom:clamp(30px,8svh,76px); } .hero-buttons { flex-direction:column; gap:9px; } .button { min-width:195px; min-height:45px; } .lender-strip { padding-block:26px 30px; } .bank-carousel-group { gap:26px; padding-right:26px; } .bank-item { width:124px; flex-basis:124px; } }
@media(max-width:470px) { .header-inner { gap:8px; } .brand-text { font-size:12px; } .brand-sub { font-size:6px; } .login-button { min-height:40px; padding:0 13px; font-size:10px; } .menu-toggle { width:40px; height:40px; } .hero-frame { height:100svh; min-height:610px; } .hero h1 { font-size:clamp(35px,9.6vw,41px); letter-spacing:-.043em; } .hero-copy>p { font-size:12px; max-width:270px; } .hero-body { bottom:clamp(27px,6svh,57px); } .brand-image { max-width:152px; } .lender-carousel-label { font-size:9px; } }
@media(prefers-reduced-motion:reduce) { .hero-media img { transition:none!important; } }

/* V3.2 — quiet, editorial monochrome refinement. No changes to the Framer hero composition. */
.button,.login-button,.mobile-login,.difference-cta,.tmf-form-submit{border-radius:14px}
.button{box-shadow:none!important;text-transform:none;letter-spacing:0;min-height:46px}
.button.button-glass{border-radius:14px}
.login-button{border-color:rgba(255,255,255,.38)}
.services-showcase{background:#fff;gap:0}
.service-selector{background:#fff;color:#111;border-top:1px solid #ddd;border-bottom:1px solid #ddd}
.service-selector .service-tab{color:#666;border-color:#e6e6e6;background:transparent}
.service-selector .service-tab-title{color:inherit}
.service-selector .service-tab.is-active,.service-selector .service-tab:hover{color:#080808;background:#f7f7f7}
.service-selector .service-tab.is-active .service-tab-index{color:#111}
.service-selector .service-selector-footer{color:#777}
.service-panels{background:#f1f1f1}
.service-caption{background:#fff;border:0}
.comparison{gap:0;border-top:1px solid #ddd;border-bottom:1px solid #ddd}
.comparison-card,.comparison-card.comparison-bank,.comparison-card.comparison-tmf{background:#fff;color:#111;box-shadow:none;border:0;border-radius:0;padding:clamp(28px,4vw,64px)}
.comparison-card + .comparison-card{border-left:1px solid #ddd}
.comparison-tmf *{color:#111}
.comparison-tmf ol li{border-color:#e3e3e3}
.faq-item{border-color:#ddd}
.faq-item summary{border-radius:0}
.contact-email{font-weight:600}
/* The carousel is a visual logo ribbon, not an array of individual logo cards. */
.lender-strip{padding:41px 0 47px;background:#fff}
.lender-carousel-label{font-size:10px;letter-spacing:.18em;margin-bottom:31px;color:#646464}
.bank-carousel-group{gap:52px;padding-right:52px}
.bank-item{flex:0 0 210px;width:210px;height:93px;overflow:visible}
.bank-item img{display:block;max-width:203px;max-height:80px;height:auto;width:auto;filter:grayscale(1) contrast(1.28) brightness(.84);object-fit:contain;transition:filter .22s ease,opacity .22s ease}
.bank-item.is-missing .bank-wordmark{color:#5b5b5b;font-size:14px}
/* Modal is the one deliberately enclosed surface, to preserve keyboard and visual focus. */
.tmf-dialog{max-width:min(600px,calc(100% - 24px));width:600px;padding:0;border:0;border-radius:19px;overflow:auto;max-height:min(92dvh,850px);background:#fff;color:#111;box-shadow:0 28px 100px rgba(0,0,0,.18)}
.tmf-dialog::backdrop{background:rgba(5,5,5,.65);backdrop-filter:blur(3px)}
.tmf-dialog-inner{padding:clamp(22px,4vw,39px)}
.tmf-dialog-heading{display:flex;align-items:start;gap:20px;justify-content:space-between;margin-bottom:27px}
.tmf-dialog-heading h2{font-size:clamp(29px,4vw,42px);line-height:1.07;letter-spacing:-.055em;font-weight:550;margin:13px 0}
.tmf-dialog-heading p{color:#616161;font-size:14px;line-height:1.6;max-width:370px;margin:0}
.tmf-dialog-eyebrow{color:#777;font-size:10px;font-weight:700;letter-spacing:.14em}
.tmf-dialog-close{display:grid;place-items:center;border:0;border-radius:100%;background:#f0f0f0;width:39px;height:39px;font-size:24px;flex:none;color:#111}
.tmf-dialog-close:hover{background:#e2e2e2}
.tmf-form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.tmf-form-grid label{display:flex;flex-direction:column;min-width:0;gap:8px;font-size:12px;font-weight:700}
.tmf-form-grid label>span:not(.tmf-optional){display:inline}
.tmf-form-grid .tmf-field-wide{grid-column:1/-1}
.tmf-form-grid input,.tmf-form-grid select{width:100%;min-width:0;min-height:47px;border:1px solid #d1d1d1;border-radius:10px;padding:10px 12px;background:#fff;color:#111;font:500 14px Inter,Arial,sans-serif}
.tmf-form-grid input:focus,.tmf-form-grid select:focus{outline:2px solid #555;outline-offset:1px;border-color:#555}
.tmf-optional{color:#777;font-size:10px;font-weight:400}
.tmf-consents{border-top:1px solid #e4e4e4;margin-top:24px;padding-top:20px;display:grid;gap:14px}
.tmf-consents label{font-size:12px;color:#404040;line-height:1.5;display:flex;align-items:start;gap:11px}
.tmf-consents input[type=checkbox]{margin:2px 0 0;width:16px;height:16px;accent-color:#111;flex:none}
.tmf-consents a{text-decoration:underline;text-underline-offset:2px}
.tmf-form-safety{color:#777;font-size:11px;line-height:1.6;margin:20px 0}
.tmf-form-status{font-size:12px;color:#9f2424;line-height:1.5;min-height:0}
.tmf-form-status:empty{display:none}
.tmf-form-submit{display:flex;align-items:center;justify-content:space-between;gap:20px;background:#111;color:#fff;padding:15px 19px;min-height:50px;width:100%;border:1px solid #111;font-size:13px;font-weight:650;cursor:pointer}
.tmf-form-submit:hover{background:#333}
.tmf-form-submit:disabled{opacity:.7;cursor:progress}
.tmf-enquiry-success h3{font-size:43px;font-weight:550;letter-spacing:-.055em;margin:10px 0}
.tmf-enquiry-success p{font-size:14px;line-height:1.7;color:#333}
.tmf-enquiry-success .tmf-form-submit{margin-top:24px;justify-content:center}
.tmf-honeypot{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
@media(max-width:960px){.services-showcase{gap:0}}
@media(max-width:740px){.comparison-card + .comparison-card{border-left:0;border-top:1px solid #ddd}.lender-strip{padding:34px 0 39px}.bank-carousel-group{gap:33px;padding-right:33px}.bank-item{width:162px;flex-basis:162px;height:76px}.bank-item img{max-height:60px;max-width:158px}.tmf-dialog{max-width:calc(100% - 18px)}.tmf-form-grid{grid-template-columns:1fr}.tmf-dialog-inner{padding:24px 19px}.tmf-dialog-heading{margin-bottom:20px}.tmf-dialog-heading h2{font-size:33px}}
@media(prefers-reduced-motion:reduce){.bank-item img{transition:none}}