:root{
  --cream:#f7f4ed;
  --paper:#fbfaf7;
  --navy:#153666;
  --navy-dark:#0e2847;
  --olive:#667353;
  --olive-dark:#4e5f3f;
  --bronze:#9b7148;
  --greige:#e5ddd2;
  --ink:#243247;
  --muted:#647083;
  --line:#d8d2c8;
  --serif: Georgia, 'Times New Roman', serif;
  --sans: Arial, Helvetica, sans-serif;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.5}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%;height:auto}
.container{width:min(var(--max),calc(100% - 48px));margin-inline:auto}
.header{position:sticky;top:0;z-index:100;background:rgba(251,250,247,.98);border-bottom:1px solid #e7e1d8;backdrop-filter:blur(8px)}
.header-inner{height:102px;display:grid;grid-template-columns:220px 1fr auto;align-items:center;gap:28px}
.logo img{width:184px;height:auto}
.nav{display:flex;justify-content:center;gap:29px;align-items:center;font-family:var(--serif);font-size:15px;color:#1d3558;white-space:nowrap}
.nav a{padding:9px 0 8px;border-bottom:2px solid transparent}
.nav a:hover,.nav a.active{border-color:var(--olive)}
.cta{display:inline-flex;align-items:center;justify-content:center;gap:12px;background:var(--olive-dark);color:#fff;padding:16px 24px;letter-spacing:.12em;text-transform:uppercase;font:700 12px var(--sans);border:0;cursor:pointer}
.cta:hover{background:#405034}
.cta.light{background:#f8f5ef;color:var(--navy);border:1px solid #d8d1c7}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.24em;text-transform:uppercase;color:var(--bronze);margin:0 0 10px}
.hero{min-height:520px;background:#15283d;color:#fff;position:relative;display:flex;align-items:center;overflow:hidden}
.hero-image{position:absolute;inset:0;background-size:cover;background-position:center;z-index:0}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(9,27,47,.9) 0%,rgba(9,27,47,.78) 33%,rgba(9,27,47,.2) 68%,rgba(9,27,47,.05) 100%);z-index:1}
.hero-content{position:relative;z-index:2;max-width:580px;padding:72px 0}
.hero .eyebrow{color:#f1e4cf}
.hero h1{font:400 clamp(42px,5.1vw,72px)/.98 var(--serif);margin:0 0 24px;letter-spacing:-.02em}
.hero p{font:400 18px/1.55 var(--serif);max-width:560px;margin:0 0 26px;color:#fbf7ef}
.section{padding:72px 0}
.section.tight{padding:48px 0}
.section-title{text-align:center;max-width:920px;margin:0 auto 38px}
.section-title .eyebrow{color:var(--bronze)}
.section-title h2{font:400 clamp(34px,4vw,52px)/1.08 var(--serif);color:var(--navy);margin:0 0 14px}
.section-title p{font:400 17px/1.5 var(--serif);color:#4c5970;margin:0 auto;max-width:820px}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:#fff;border:1px solid #e6e0d7;box-shadow:0 6px 20px rgba(25,40,58,.04)}
.card img{width:100%;aspect-ratio:16/9;object-fit:cover}
.card-body{padding:20px 20px 22px}
.card-label{font-size:11px;letter-spacing:.18em;text-transform:uppercase;font-weight:700;color:var(--bronze)}
.card h3{font:400 28px/1.12 var(--serif);margin:7px 0 10px;color:var(--navy)}
.card p{margin:0 0 14px;color:#586477}
.text-link{font-size:12px;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--navy)}
.banner{position:relative;background:linear-gradient(120deg,#183451,#304a4d);color:#fff;padding:48px 0;overflow:hidden}
.banner .container{display:flex;justify-content:space-between;align-items:center;gap:40px}
.banner h2{font:400 42px/1.06 var(--serif);margin:0 0 10px}
.banner p{margin:0;max-width:640px;font:400 17px/1.5 var(--serif);color:#edf0ec}
.footer{background:#fff;border-top:1px solid #e1ddd5;padding:34px 0;color:#4f5c70}
.footer-inner{display:flex;justify-content:space-between;align-items:center;gap:30px}
.footer-title{font:400 22px var(--serif);color:var(--navy)}
.footer-nav{display:flex;gap:22px;font-size:12px}
.footer small{display:block;margin-top:4px}

/* Home */
.home-foundation{padding:58px 0 64px;text-align:center}
.home-foundation h2{font:400 44px/1.1 var(--serif);color:var(--navy);margin:8px 0 16px}
.home-foundation p{max-width:760px;margin:auto;font:400 17px/1.55 var(--serif);color:#4b5767}
.home-cards{padding:0 0 64px}
.home-cards .card h3{font-size:24px}

/* What we do */
.process-wrap{padding:64px 0 42px}
.process-title{text-align:center;margin-bottom:38px}
.process-title h2{font:400 46px/1.08 var(--serif);color:var(--navy);margin:0 0 10px}
.process-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.process-step{padding:26px 22px 30px;border-right:1px solid var(--line)}
.process-step:last-child{border-right:0}
.process-step h3{font:400 23px/1.15 var(--serif);color:var(--navy);margin:0 0 12px}
.process-step p{margin:0;color:#526176;font:400 15px/1.55 var(--serif)}
.faded-band{min-height:235px;display:flex;align-items:center;text-align:center;background-size:cover;background-position:center;position:relative;border-top:1px solid #eee6dc}
.faded-band::before{content:"";position:absolute;inset:0;background:rgba(250,248,243,.78)}
.faded-band .inner{position:relative;z-index:2;max-width:780px;margin:auto;padding:38px 24px}
.faded-band h3{font:400 34px/1.12 var(--serif);color:var(--navy);margin:6px 0 12px}
.faded-band p{font:400 16px/1.55 var(--serif);color:#48586e;margin:0 auto;max-width:720px}
.faded-band .cta{margin-top:20px}

/* Financing solutions */
.purpose-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;max-width:1050px;margin:0 auto}
.purpose-card{background:white;border:1px solid #e7e1d9}
.purpose-card img{width:100%;aspect-ratio:2.1/1;object-fit:cover}
.purpose-card h3{text-align:center;font:400 28px var(--serif);color:var(--navy);margin:16px 10px 18px}
.program-box{background:#ddd4c8;padding:44px 24px 26px;margin-top:54px;border:1px solid #d2c8bc}
.program-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.program{position:relative;min-height:240px;display:flex;align-items:center;justify-content:center;background-size:cover;background-position:center;overflow:hidden}
.program::after{content:"";position:absolute;inset:0;background:rgba(72,49,30,.16)}
.program span{position:relative;z-index:2;color:#fff;font:700 24px var(--serif);text-shadow:0 1px 2px rgba(0,0,0,.25)}

/* Transactions */
.transactions-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.tx-card{background:white;border:1px solid #ddd8d0}
.tx-card img{width:100%;aspect-ratio:1.9/1;object-fit:cover}
.tx-body{padding:12px 14px 14px}
.tx-body h3{font:700 19px var(--serif);margin:0 0 3px;color:var(--navy)}
.tx-region{font:italic 15px var(--serif);color:#50617b;margin-bottom:4px}
.tx-amount{font:400 20px var(--serif);color:var(--navy);margin-bottom:2px}
.tx-meta{font:400 13px var(--serif);color:#40516b}
.load-more{text-align:center;margin-top:30px}

/* About */
.about-top{display:grid;grid-template-columns:1.1fr .72fr 1.18fr;gap:36px;align-items:center;padding:64px 0}
.about-top h2,.about-lead h2,.about-columns h3{font:400 39px/1.05 var(--serif);color:var(--navy);margin:0 0 14px}
.about-top p,.about-lead p,.about-columns p{font:400 16px/1.55 var(--sans);color:#56647a}
.portrait{width:100%;max-width:220px;margin:auto;aspect-ratio:4/5;object-fit:cover}
.founder-meta{max-width:220px;margin:8px auto 0;color:#59677a;font-size:13px}
.big-statement{font:400 54px/1.02 var(--serif);color:#123f41;padding:30px 28px;border-top:1px solid #b7a58f;border-bottom:1px solid #b7a58f}
.about-lead{display:grid;grid-template-columns:1.15fr 1fr .45fr;gap:36px;align-items:center;padding:0 0 46px}
.about-lead .office{width:100%;aspect-ratio:1.42/1;object-fit:cover}
.about-lead .portrait{max-width:190px}
.about-columns{display:grid;grid-template-columns:repeat(3,1fr);gap:34px;padding:36px 0 72px}
.about-columns>div{padding-right:28px;border-right:1px solid var(--line)}
.about-columns>div:last-child{border:0}

/* Contact */
.contact-form-wrap{padding:56px 0 44px}
.form-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.form-grid input,.form-grid textarea{width:100%;border:1px solid #cfc9c0;background:white;padding:17px 18px;font:400 15px var(--sans);color:#23344e}
.form-grid textarea{grid-column:1/-1;min-height:120px;resize:vertical}
.form-submit{display:flex;justify-content:center;margin-top:16px}
.privacy-line{text-align:center;color:#5a6470;font:400 13px var(--serif);margin-top:12px}
.contact-info{text-align:center;padding:52px 0 46px;border-top:1px solid #e0dad2}
.contact-info h2{font:400 42px var(--serif);color:var(--navy);margin:0 0 8px}
.contact-info p{font:400 17px var(--serif);color:#4f5f76;margin:0 0 22px}
.contact-details{display:flex;justify-content:center;gap:0;flex-wrap:wrap;font:400 18px var(--serif);color:var(--navy)}
.contact-details span{padding:0 28px;border-right:1px solid #c7b69f}
.contact-details span:last-child{border-right:0}
.nationwide{display:flex;align-items:center;justify-content:center;gap:18px;margin-top:22px;font:400 30px var(--serif);color:var(--navy)}
.nationwide::before,.nationwide::after{content:"";width:90px;height:1px;background:#b88d55}
.secure-box{display:grid;grid-template-columns:auto 1fr auto;gap:28px;align-items:center;background:#f0eee5;border:1px solid #d7d1c5;padding:28px 34px;margin-bottom:58px}
.secure-icon{width:72px;height:72px;border:1px solid #c09a65;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:32px;color:#9b774e}
.secure-box h3{font:400 32px var(--serif);color:var(--navy);margin:0 0 4px}
.secure-box p{margin:0;color:#526176;font:400 15px var(--serif)}

@media(max-width:900px){
  .header-inner{grid-template-columns:1fr auto;height:86px}.nav{display:none}.logo img{width:160px}.header .cta{padding:13px 16px;font-size:10px}
  .container{width:min(100% - 32px,var(--max))}.hero{min-height:480px}.hero-content{max-width:520px;padding:60px 0}.hero h1{font-size:50px}
  .card-grid{grid-template-columns:1fr}.process-grid{grid-template-columns:1fr 1fr}.process-step{border-bottom:1px solid var(--line)}
  .purpose-grid{grid-template-columns:1fr}.program-grid{grid-template-columns:1fr 1fr}.transactions-grid{grid-template-columns:1fr 1fr}
  .about-top{grid-template-columns:1fr 1fr}.big-statement{grid-column:1/-1}.about-lead{grid-template-columns:1fr 1fr}.about-lead .portrait{display:none}.about-columns{grid-template-columns:1fr}.about-columns>div{border:0;border-bottom:1px solid var(--line);padding-bottom:24px}
  .form-grid{grid-template-columns:1fr 1fr}.form-grid textarea{grid-column:1/-1}.contact-details span{padding:0 15px}.secure-box{grid-template-columns:1fr;text-align:center}.secure-icon{margin:auto}.secure-box .cta{justify-self:center}
  .banner .container{flex-direction:column;align-items:flex-start}.footer-inner{flex-direction:column;align-items:flex-start}
}
@media(max-width:600px){
  .header-inner{height:76px}.logo img{width:145px}.header .cta{display:none}.container{width:calc(100% - 26px)}
  .hero{min-height:500px}.hero::after{background:rgba(11,31,52,.72)}.hero-content{padding:48px 0}.hero h1{font-size:42px}.hero p{font-size:17px}
  .section{padding:52px 0}.home-foundation h2,.section-title h2,.process-title h2{font-size:34px}
  .process-grid{grid-template-columns:1fr}.process-step{border-right:0}.program-grid,.transactions-grid{grid-template-columns:1fr}
  .about-top,.about-lead{grid-template-columns:1fr}.about-top .portrait{max-width:180px}.about-lead .portrait{display:block;max-width:160px}.big-statement{font-size:40px}.about-columns{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}.contact-details{flex-direction:column;gap:8px}.contact-details span{border:0}.nationwide{font-size:24px}.nationwide::before,.nationwide::after{width:44px}
  .footer-nav{flex-wrap:wrap}
}
.header-actions{display:flex;flex-direction:column;align-items:flex-end;gap:7px}.header-tagline{font:700 9px var(--sans);letter-spacing:.18em;text-transform:uppercase;color:#66748a;white-space:nowrap}.menu-toggle{display:none;background:transparent;border:1px solid #c9c3b9;padding:10px 13px;color:var(--navy);font:700 11px var(--sans);letter-spacing:.1em;text-transform:uppercase}.mobile-nav{display:none;background:var(--paper);border-top:1px solid #e7e1d8;padding:10px 16px 18px}.mobile-nav.open{display:grid}.mobile-nav a{padding:10px 4px;border-bottom:1px solid #ebe5dc;color:var(--navy);font:400 18px var(--serif)}
@media(max-width:900px){.header-actions{display:none}.menu-toggle{display:block}.header-inner{grid-template-columns:1fr auto}.mobile-nav.open{grid-template-columns:1fr}}


/* Home hero sizing — approved desktop proportion correction */
@media (min-width:901px){
  .home-page .hero{min-height:410px;}
  .home-page .hero-content{max-width:520px;padding:42px 0 46px;}
  .home-page .hero h1{font-size:clamp(42px,3.65vw,48px);line-height:1.02;margin-bottom:18px;}
  .home-page .hero p{font-size:16px;line-height:1.48;max-width:500px;margin-bottom:22px;}
  .home-page .hero .eyebrow{font-size:11px;margin-bottom:8px;}
  .home-page .hero .cta{padding:14px 21px;}
}

/* Production sizing: retain the approved page composition and shared scale. */
.header-inner{grid-template-columns:184px minmax(0,1fr) auto;gap:24px}
.nav{gap:22px}
.hero-content{max-width:580px;padding:48px 0}
.hero h1{font-size:clamp(42px,3.65vw,54px);line-height:1.04;margin-bottom:18px}
.hero p{font-size:17px;line-height:1.5;margin-bottom:22px}
.hero-content .cta{max-width:100%;line-height:1.4;text-align:center}
.banner .cta{flex-shrink:0;max-width:100%;line-height:1.4}
.footer-inner{flex-wrap:wrap;row-gap:22px}
.footer-nav{flex-wrap:wrap;row-gap:12px}
.card-grid>* , .purpose-grid>* , .program-grid>* , .transactions-grid>* , .about-top>* , .about-lead>* , .form-grid>*{min-width:0}
.tx-card.is-hidden{display:none}
.form-submit .cta{width:420px;min-width:0!important;max-width:100%;line-height:1.4}
.form-grid input,.form-grid textarea{font-size:16px;border-radius:0}
.secure-box .cta{max-width:100%;line-height:1.4;text-align:center}
.menu-toggle{min-height:44px;min-width:60px;cursor:pointer}
.mobile-nav a{min-height:44px}
.mobile-nav a[aria-current="page"]{font-weight:700}
:focus-visible{outline:3px solid var(--bronze);outline-offset:4px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap;border:0}
.skip-link{position:absolute;left:16px;top:-100px;z-index:200;background:var(--navy-dark);color:white;padding:12px 16px}
.skip-link:focus{top:12px}
@media(min-width:1101px){.mobile-nav.open{display:none}}
@media(max-width:1100px){
  .header-inner{grid-template-columns:minmax(0,1fr) auto;height:86px;gap:16px}
  .header-actions,.nav{display:none}
  .menu-toggle{display:block}
  .logo img{width:160px}
}
@media(min-width:601px) and (max-width:900px){
  .card-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
  .card-body{padding:16px}
  .card h3{font-size:25px}
  .home-cards .card h3{font-size:23px}
  .process-step{border-right:0;padding:24px 20px}
  .process-step:nth-child(odd){border-right:1px solid var(--line)}
  .process-step:last-child{grid-column:1/-1;border-right:0;border-bottom:0}
  .purpose-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .about-top{gap:28px}
  .about-lead{grid-template-columns:1fr 1fr;gap:28px}
  .about-lead .portrait{display:block;grid-column:2;max-width:170px}
}
@media(max-width:600px){
  .header-inner{height:76px}
  .logo img{width:145px}
  .hero-content,.home-page .hero-content{padding:38px 0;max-width:100%}
  .hero h1,.home-page .hero h1{font-size:clamp(34px,9.5vw,42px);line-height:1.08}
  .hero p,.home-page .hero p{font-size:17px}
  .hero .eyebrow{letter-spacing:.16em;line-height:1.6}
  .hero{min-height:0!important}
  .banner{padding:36px 0}
  .banner h2{font-size:34px}
  .banner .container{gap:24px}
  .program-box{padding:32px 16px 20px}
  .program-box .section-title h2{font-size:34px!important}
  .program{min-height:210px}
  .about-top{gap:24px;padding:44px 0}
  .about-lead{gap:24px;padding-bottom:32px}
  .about-columns{gap:24px;padding:24px 0 44px}
  .about-top h2,.about-lead h2,.about-columns h3{font-size:34px}
  .big-statement{font-size:36px;padding:24px 20px}
  .about-columns>div{padding-right:0}
  .contact-form-wrap{padding:40px 0 34px}
  .contact-info{padding:38px 0}
  .contact-info h2{font-size:34px;line-height:1.12}
  .contact-details{font-size:17px}
  .contact-details span{padding:0}
  .nationwide{gap:12px;font-size:22px}
  .nationwide::before,.nationwide::after{width:28px;flex-shrink:0}
  .secure-box{padding:24px 20px;gap:20px;margin-bottom:36px}
  .secure-box h3{font-size:30px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* The approved raster logo includes a thin mockup rule above the mark. */
.logo img{clip-path:inset(3px 0 0 0)}
.hero-image[style*="about-hero.jpg"]{inset:-8% 0}