@font-face{font-family:Inter;src:url("inter-latin-wght.woff2") format("woff2");font-style:normal;font-weight:100 900;font-display:swap}
@font-face{font-family:Newsreader;src:url("newsreader-latin-opsz.woff2") format("woff2");font-style:normal;font-weight:200 800;font-display:swap}
:root{--navy:#173747;--navy-deep:#0f2a37;--blue:#24536a;--cream:#f7f4ee;--cream-deep:#efe9df;--sand:#d7c8ad;--bronze:#765b35;--muted:#4d5e67;--line:#e2d9c9;--white:#fff;--display:Newsreader,Georgia,"Times New Roman",serif;--body:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;color-scheme:light}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:130px}body{margin:0;background:var(--cream);color:var(--navy);font-family:var(--body);font-size:15px;line-height:1.65;-webkit-font-smoothing:antialiased}body,button,input,textarea{font-synthesis:none}button,input,textarea{font:inherit}button,a{-webkit-tap-highlight-color:transparent}a{color:inherit;text-underline-offset:4px}a:hover{text-decoration-thickness:2px}button{cursor:pointer}img{display:block;max-width:100%;height:auto}svg{display:block}p,h1,h2,h3,figure{margin:0}h1,h2,h3{font-family:var(--display);font-weight:500;line-height:1.04;letter-spacing:-.025em}h1{font-size:clamp(46px,5.25vw,78px)}h2{font-size:clamp(36px,3.65vw,54px)}h3{font-size:30px}em{font-style:normal;color:var(--sand)}[hidden]{display:none!important}::selection{background:var(--sand);color:var(--navy)}:focus-visible{outline:3px solid #b1884d;outline-offset:5px;border-radius:3px}.wrap,.container{width:min(1224px,calc(100% - 96px));margin-inline:auto}.outer{width:min(1440px,calc(100% - 40px));margin-inline:auto}.section{padding-block:100px}.eyebrow{font-size:11px;font-weight:650;letter-spacing:.14em;text-transform:uppercase;color:var(--bronze);line-height:1.6;margin-bottom:18px}.eyebrow.light{color:var(--sand)}.section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:44px;margin-bottom:42px}.section-intro{max-width:355px;color:var(--muted);font-size:16px;padding-bottom:5px}.text-link{font-size:14px;font-weight:600;color:var(--navy);text-decoration:underline;text-underline-offset:5px;background:none;border:0;padding:0;line-height:1.8}.text-link span{margin-left:10px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:26px;min-height:48px;padding:13px 22px;border-radius:6px;border:1px solid transparent;text-decoration:none;font-size:13px;font-weight:600;line-height:1.5;transition:background .18s,color .18s,transform .18s}.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--navy);color:#fff;border-color:var(--navy)}.btn-primary:hover{background:var(--blue)}.btn-light{background:var(--cream);color:var(--navy);border-color:var(--cream)}.btn-light:hover{background:var(--sand);border-color:var(--sand)}.btn-outline{background:transparent;color:var(--navy);border-color:var(--line)}.btn-outline-light{background:transparent;color:#fff;border-color:#6a7e86}.btn-outline-light:hover{background:#ffffff12}.btn:disabled{opacity:.5;cursor:not-allowed;transform:none}.skip-link{position:fixed;top:-100px;left:20px;z-index:99;background:var(--navy);color:#fff;padding:12px 18px;border-radius:6px}.skip-link:focus{top:12px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.affiliation{min-height:35px;padding:7px 20px;background:var(--navy-deep);color:#e6e2d9;display:flex;gap:14px;justify-content:center;align-items:center;font-size:10px;letter-spacing:.025em;text-align:center}.affiliation>span:first-child{font-weight:650;letter-spacing:.12em}.affiliation a{font-weight:700;text-decoration:none;letter-spacing:.07em}.affiliation-divider{opacity:.4}.site-header{position:sticky;top:0;z-index:20;background:rgba(247,244,238,.97);border-bottom:1px solid transparent}.nav-row{min-height:116px;display:flex;gap:28px;justify-content:space-between;align-items:center}.brand{flex-shrink:0}.brand img{width:132px}.nav-row nav{display:flex;align-items:center;gap:27px;font-size:12px;font-weight:550}.nav-row nav>a:not(.btn){text-decoration:none;padding-block:14px}.nav-row nav>a:not(.btn):hover{color:var(--bronze)}.nav-row .nav-oykra{margin-left:10px;color:var(--bronze);white-space:nowrap}.nav-cta{min-height:43px;padding:11px 18px;gap:18px}.menu-toggle{display:none}
.hero{display:grid;grid-template-columns:1.05fr 1fr;min-height:590px;overflow:hidden;border-radius:14px;background:var(--navy);color:#fff}.hero-copy{padding:60px clamp(28px,4.1vw,62px) 32px;display:flex;align-items:flex-start;flex-direction:column}.hero h1{font-size:clamp(46px,4.6vw,68px);max-width:620px;margin-bottom:25px;line-height:1.01}.hero h1 em{display:block}.hero .eyebrow{font-size:10px;display:flex;align-items:center;gap:8px;margin-bottom:25px}.status-dot{width:6px;height:6px;flex:0 0 6px;background:var(--sand);border-radius:50%}.hero-lead{font-size:15px;line-height:1.8;color:#d6e0e3;max-width:435px}.hero-actions{display:flex;align-items:center;gap:23px;flex-wrap:wrap;margin-top:30px}.hero-secondary{font-size:12px;text-decoration:none;padding-block:12px}.hero-secondary span{margin-left:7px;color:var(--sand)}.hero-foot{display:flex;align-items:center;gap:10px;color:#c7d3d8;font-size:10px;margin-top:auto;padding-top:38px;flex-wrap:wrap}.small-line{height:1px;width:21px;background:var(--sand)}.hero-visual{position:relative;isolation:isolate;min-width:0;overflow:hidden}.hero-visual>img{height:100%;width:100%;object-fit:cover;object-position:53% center;position:absolute;inset:0}.hero-visual:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(15,42,55,.24),transparent 32%,rgba(15,42,55,.75));z-index:0}.visual-top{position:absolute;top:30px;left:30px;right:30px;display:flex;gap:20px;justify-content:space-between;align-items:center;z-index:1}.visual-top span{font-size:9px;letter-spacing:.15em;color:#fff;text-shadow:0 1px 8px #173747}.visual-top svg{width:32px;height:32px;fill:none;stroke:#fff;stroke-width:1}.hero-photo-note{position:absolute;left:34px;right:30px;bottom:30px;z-index:1}.hero-photo-note .eyebrow{color:#e6d6ba;font-size:9px;letter-spacing:.12em;margin-bottom:10px}.hero-photo-note p{font-family:var(--display);font-size:35px;line-height:1.05;letter-spacing:-.02em}.image-caption{position:absolute;right:0;bottom:0;font-size:9px;color:#d6e0e3}.intro-strip{padding-block:32px 39px;display:grid;grid-template-columns:repeat(3,1fr);gap:30px}.intro-strip>div{display:flex;align-items:center;gap:16px;padding-right:20px;border-right:1px solid var(--line)}.intro-strip>div:last-child{border:0;padding-right:0}.intro-icon{display:flex;align-items:center;justify-content:center;width:35px;height:35px;flex:0 0 35px;font-family:var(--display);font-size:19px;border:1px solid #cbbb9f;border-radius:50%;color:var(--bronze)}.intro-strip p{font-size:12px;line-height:1.6}.intro-strip strong{display:block;font-weight:600}.intro-strip p>span{display:block;color:var(--muted);font-size:11px;margin-top:2px}
.programs-section{background:var(--cream-deep);padding-top:80px}.program-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.program-card{display:flex;flex-direction:column;background:var(--cream);padding:30px;border:1px solid var(--line);border-radius:12px;min-width:0}.program-top{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:25px}.program-top .eyebrow{font-size:9px;letter-spacing:.12em;margin:0}.program-top svg{height:31px;width:31px;fill:none;stroke:var(--bronze);stroke-width:1.25;stroke-linecap:round;stroke-linejoin:round}.program-card h3{font-size:36px;line-height:1.02;margin-bottom:18px}.program-card h3 span{color:var(--muted)}.program-type{font-size:10px;font-weight:600;color:var(--bronze);margin-bottom:20px}.program-description{font-size:13px;color:var(--muted);line-height:1.8;min-height:70px}.feature-list{list-style:none;padding:0;margin:24px 0 18px;flex:1}.feature-list li{border-top:1px solid var(--line);font-size:12px;padding:11px 0;display:flex;align-items:baseline;gap:8px}.feature-list li:before{content:"+";color:var(--bronze);font-size:15px}.program-detail{font-size:11px;color:var(--muted);min-height:36px;line-height:1.6}.program-link{display:flex;justify-content:space-between;align-items:center;font-size:12px;font-weight:650;text-decoration:none;border-top:1px solid var(--line);padding-top:19px;margin-top:24px;gap:12px}.program-link span{font-size:20px;font-weight:400;color:var(--bronze)}.program-link:hover{color:var(--bronze)}.programs-foot{margin-top:27px;display:flex;gap:15px;align-items:center;justify-content:center}.programs-foot p{font-size:11px;color:var(--muted)}.programs-foot a{font-weight:600;color:var(--navy)}.pill{border:1px solid #c9bda8;border-radius:30px;white-space:nowrap;padding:5px 11px;color:var(--bronze);font-size:10px;font-weight:600}
.planner-section{background:#fff}.planner-section .section-heading{display:block;text-align:center}.planner-section h2{max-width:640px;margin:auto}.planner-section .lead{font-size:15px;color:var(--muted);margin-top:17px}.planner-tabs{display:flex;width:fit-content;max-width:100%;border:1px solid var(--line);background:var(--cream);padding:5px;gap:5px;border-radius:8px;margin:30px auto 36px;min-width:0}.planner-tab{position:relative;border-radius:5px;cursor:pointer;display:flex;align-items:center;justify-content:center;min-height:43px;padding:10px 24px;font-size:12px;font-weight:550;line-height:1.4;text-align:center}.planner-tab input{position:absolute;opacity:0;width:1px;height:1px}.planner-tab:has(input:focus-visible){outline:3px solid #b1884d;outline-offset:2px}.planner-tab.is-active{background:var(--navy);color:#fff}.planner-layout{display:grid;grid-template-columns:1fr .9fr;gap:54px;align-items:start}.planner-form{display:grid;grid-template-columns:1fr 1fr;gap:25px 20px;padding:18px 0}.planner-field{min-width:0}.planner-field label{display:block;font-size:12px;font-weight:600;margin-bottom:8px;line-height:1.6}.planner-field-wide{grid-column:1/-1}.input-wrap{position:relative}.input-prefix{position:absolute;left:16px;top:50%;transform:translateY(-50%);color:var(--bronze);font-size:15px}.planner-field input{width:100%;min-width:0;background:var(--cream);border:1px solid var(--line);border-radius:6px;height:54px;padding:12px 14px 12px 33px;color:var(--navy);font-size:17px;font-variant-numeric:tabular-nums;line-height:1.5}.planner-field input:focus{border-color:var(--bronze)}.planner-field input[aria-invalid=true]{border-color:#a03524;background:#fff6f3}.field-help{font-size:11px;line-height:1.7;color:var(--muted);margin-top:7px}.planner-field-wide.field-help{font-size:12px;margin:0 0 4px;max-width:440px}.field-error{font-size:11px;line-height:1.5;color:#a03524;margin-top:6px}.planner-form .text-link{font-size:11px;margin-top:9px}.planner-result{background:var(--navy);color:#fff;padding:32px;border-radius:12px;min-width:0}.result-label{font-size:10px;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:#d8c9ae}.result-amount{font-family:var(--display);font-size:clamp(45px,4.3vw,64px);line-height:1.2;letter-spacing:-.03em;margin:7px 0 0;font-variant-numeric:lining-nums tabular-nums;overflow-wrap:anywhere}.result-note{font-size:11px;color:#d3dde0;line-height:1.7;margin-top:5px}.result-list{margin:23px 0 20px}.result-list>div{display:flex;justify-content:space-between;gap:20px;align-items:baseline;padding:10px 0;border-top:1px solid #ffffff25;font-size:11px}.result-list dt{color:#d3dde0}.result-list dt .result-note{display:block;font-size:9px;margin:0}.result-list dd{margin:0;font-weight:600;white-space:nowrap;font-size:13px;font-variant-numeric:tabular-nums}.planner-disclaimer{font-size:10px;line-height:1.8;color:#d3dde0;max-width:55ch}.result-actions{display:flex;gap:10px;margin-top:22px;flex-wrap:wrap}.planner-result .btn-primary{background:var(--cream);color:var(--navy);border-color:var(--cream)}.planner-result .btn-outline{border-color:#6a7e86;color:#fff}.planner-result .btn{font-size:11px;min-height:43px;flex:1;padding:11px 14px;white-space:nowrap}.result-actions+.result-note{font-size:9px;margin-top:14px}.planner-status{font-size:10px;color:#e9d9b9;min-height:1.6em;margin-top:8px}.planner-warning{color:#ffe6ba;border-left:2px solid #d7c8ad;padding:6px 0 6px 12px;font-size:11px;line-height:1.6;margin-bottom:14px}#planner-copy-fallback{margin-top:18px}#planner-copy-fallback label{font-size:12px}#planner-summary{display:block;width:100%;min-width:0;font-size:12px;line-height:1.6;resize:vertical;min-height:150px;margin-top:7px;padding:12px;background:var(--cream);color:var(--navy);border-radius:4px;border:1px solid var(--line)}
.process-grid{display:grid;grid-template-columns:repeat(3,1fr);list-style:none;padding:0;margin:0;gap:40px}.process-grid li{border-top:1px solid #cbbc9f;padding-top:18px}.step-number{font-family:var(--display);font-size:40px;font-weight:400;color:var(--bronze);display:flex;justify-content:space-between;align-items:center;margin-bottom:35px;line-height:1}.step-number span{font-family:var(--body);font-size:21px;font-weight:300;color:#9c8e75}.process-grid h3{font-size:26px;margin-bottom:13px;letter-spacing:-.02em}.process-grid p{font-size:13px;line-height:1.8;color:var(--muted)}.local-section{border-radius:12px;background:var(--cream-deep);padding:65px clamp(25px,5.9vw,90px);display:grid;grid-template-columns:1.1fr 1fr;gap:70px;align-items:center}.local-copy>p:not(.eyebrow){font-size:13px;color:var(--muted);line-height:1.8;margin:24px 0;max-width:430px}.location-tags{display:flex;gap:8px;flex-wrap:wrap;margin:23px 0 28px}.location-tags span{font-size:9px;border:1px solid #cdbfa8;padding:5px 9px;border-radius:30px;color:var(--bronze)}.local-copy .text-link{font-size:12px}.lending-fit{border-left:1px solid #d4c7b1;padding-left:45px}.lending-fit h3{font-size:33px}.fit-list{list-style:none;padding:0;margin:26px 0}.fit-list li{font-size:12px;padding:11px 0;border-bottom:1px solid #dacfbf;display:flex;gap:10px}.fit-list span{color:var(--bronze)}.lending-fit>p:last-child{color:var(--muted);font-size:11px;line-height:1.8}.faq-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:start}.faq-intro{font-size:13px;color:var(--muted);line-height:1.8;margin:23px 0 20px}.faq-list{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line)}summary{list-style:none;display:flex;justify-content:space-between;align-items:baseline;gap:20px;padding:21px 0;cursor:pointer;font-size:13px;font-weight:600;line-height:1.5}summary::-webkit-details-marker{display:none}summary:after{content:"+";font-size:20px;font-weight:400;color:var(--bronze);flex-shrink:0}details[open] summary:after{content:"−"}details p{font-size:12px;color:var(--muted);line-height:1.9;padding:0 25px 22px 0}details a{color:var(--navy)}
.contact-section{background:var(--navy);color:white;display:grid;grid-template-columns:1.3fr .8fr;gap:70px;padding:64px clamp(28px,5.9vw,90px);border-radius:12px}.contact-copy>p:not(.eyebrow){color:#d0dce0;font-size:14px;line-height:1.8;margin:21px 0 0}.contact-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.contact-copy p.contact-note{font-size:10px;color:#d6c8ae;margin-top:15px}.contact-details{font-style:normal;border-left:1px solid #ffffff30;padding-left:45px;display:flex;flex-direction:column;gap:22px;font-size:12px;align-self:center;min-width:0}.contact-details a{text-decoration:none;overflow-wrap:anywhere}.contact-details a:hover{text-decoration:underline}.contact-label{display:block;font-size:9px;letter-spacing:.13em;text-transform:uppercase;color:#d8c9ae;margin-bottom:5px}.contact-phone{font-family:var(--display);font-size:34px;line-height:1.2}.contact-details p{color:#d0dce0}.portal-link{font-size:10px;border-top:1px solid #ffffff30;padding-top:15px;color:#d0dce0}.site-footer{padding-block:42px 22px}.footer-top{display:flex;align-items:center;gap:23px;margin-bottom:30px}.footer-brand img{width:100px}.footer-top>p{font-size:14px;font-weight:550;line-height:1.8}.footer-top>p span{font-size:10px;color:var(--muted);font-weight:400}.oykra-footer{margin-left:auto;text-decoration:none;text-align:right}.oykra-footer>span{font-size:9px;color:var(--muted)}.oykra-footer img{width:115px;margin:8px 0 0 auto}.legal{font-size:9px;line-height:1.9;color:var(--muted);padding-block:20px;border-top:1px solid var(--line);max-width:1200px}.footer-bottom{display:flex;justify-content:space-between;gap:20px;font-size:9px;color:var(--muted);padding-top:17px;border-top:1px solid var(--line)}.footer-bottom>div{display:flex;gap:22px;align-items:center;flex-wrap:wrap}.equal-housing{display:flex;align-items:center;gap:6px}.equal-housing svg{width:17px;height:17px;stroke:var(--muted);stroke-width:1.5;fill:none}.legal-page{max-width:760px;margin:55px auto 90px}.legal-page h1{font-size:56px;margin:20px 0 30px}.legal-page h2{font-size:28px;margin:35px 0 12px}.legal-page p,.legal-page li{font-size:14px;color:var(--muted);line-height:1.9}.legal-page>p{margin-bottom:18px}.legal-page .eyebrow{font-size:11px;color:var(--bronze)}.error-page{padding-block:80px;text-align:center;min-height:50vh}.error-page h1{font-size:70px;margin:18px 0}.error-page>p{color:var(--muted);margin-bottom:24px}
@media(min-width:1500px){.hero-copy{padding-top:70px}.hero{min-height:630px}.hero h1{font-size:68px}}
@media(max-width:1200px){.wrap,.container{width:calc(100% - 70px)}.nav-row nav{gap:19px}.nav-row .nav-oykra{margin-left:0}.hero-copy{padding:43px 33px 28px}.hero{min-height:560px}.hero h1{font-size:clamp(46px,4.7vw,60px)}.hero-lead{font-size:14px}.hero-actions{gap:12px}.hero .btn{padding:13px 17px}.hero-photo-note p{font-size:32px}.program-card{padding:25px}.program-card h3{font-size:32px}.planner-layout{gap:35px}.local-section{gap:40px}.faq-layout{gap:45px}.contact-section{gap:40px}}
@media(max-width:1060px){html{scroll-padding-top:108px}.nav-row{min-height:100px}.brand img{width:114px}.nav-row{position:relative;flex-wrap:wrap}.nav-row nav{width:100%;padding:0 0 20px;flex-wrap:wrap;justify-content:center;gap:15px 22px}.js-nav .nav-row{flex-wrap:nowrap}.js-nav .nav-row nav{display:none;position:absolute;top:100%;left:0;right:0;width:100%;background:var(--cream);box-shadow:0 15px 30px #17374720;border:1px solid var(--line);border-radius:0 0 10px 10px;padding:18px 24px;align-items:stretch;flex-direction:column;gap:0;max-height:calc(100dvh - 120px);overflow:auto}.js-nav .nav-row nav.is-open{display:flex}.js-nav .nav-row nav>a{padding:12px}.js-nav .nav-row nav>.btn{margin-top:12px}.js-nav .menu-toggle{display:flex;align-items:center;gap:13px;font-size:11px;background:transparent;color:var(--navy);border:1px solid #cfc7b8;border-radius:6px;padding:11px 14px;min-height:44px}.menu-icon{display:block;width:17px;height:10px;border-top:1px solid var(--navy);border-bottom:1px solid var(--navy);position:relative}.menu-icon:after{content:"";position:absolute;top:4px;left:0;right:0;border-top:1px solid var(--navy)}.hero h1{font-size:50px}.hero{min-height:540px}.hero .eyebrow{font-size:9px}.hero-lead{font-size:13px}.hero-actions{align-items:flex-start;flex-direction:column;gap:7px}.hero-photo-note{left:25px}.hero-photo-note p{font-size:28px}.image-caption{position:static;display:block;margin-top:12px}.intro-strip{gap:18px}.intro-strip>div{gap:10px;padding-right:12px}.intro-strip strong{font-size:11px}.intro-strip p>span{font-size:10px}.intro-icon{width:29px;height:29px;flex-basis:29px;font-size:16px}.program-grid{gap:15px}.program-card{padding:22px}.program-card h3{font-size:30px}.program-top .eyebrow{font-size:8px}.program-description{font-size:12px;min-height:86px}.feature-list li{font-size:11px}.program-link{font-size:11px}.program-type{font-size:9px}.local-section{padding:50px 40px}.lending-fit{padding-left:30px}.contact-section{padding:50px 40px}.contact-details{padding-left:30px}.contact-phone{font-size:29px}}
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@media(max-width:360px){.hero h1{font-size:42px}.hero-copy{padding-inline:20px}.hero-actions{align-items:flex-start;flex-direction:column;gap:6px}.hero-photo-note{left:20px}.hero-photo-note p{font-size:25px}.planner-form{grid-template-columns:1fr}.planner-field label{min-height:0}.result-amount{font-size:45px}.program-card h3{font-size:34px}.contact-copy h2{font-size:36px}.contact-actions{align-items:flex-start;flex-direction:column}.affiliation{font-size:8px;gap:5px}}
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