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.lo-markets-grid{justify-content:flex-start;padding:.75rem .875rem;border:1px solid var(--line-soft);border-radius:var(--radius-lg);background:var(--paper);box-shadow:0 10px 20px -18px rgba(0,44,102,.12)}.lo-profile--pilot .lo-section-heading{font-family:var(--font-sans);font-weight:700;font-size:clamp(1.75rem,3vw,2.5rem);line-height:1.1;letter-spacing:-.02em;color:var(--brand-navy)}.lo-profile--pilot .lo-about-headline,.lo-profile--pilot .lo-profile-section-h,.lo-profile--pilot .lo-section-heading,.lo-profile--pilot .lo-why__h2{font-weight:700!important}.lo-profile--pilot .lo-local-cards-section{padding:clamp(3.5rem,5.5vw,5.5rem) 0;background:var(--im-teal-050)}.lo-profile--pilot .lo-profile-slab--why+.lo-local-cards-section--pilot,.lo-profile--pilot .lo-stats-band+.lo-local-cards-section--pilot{padding-top:clamp(1.25rem,2.5vw,1.75rem)}.lo-profile--pilot .lo-local-cards-section--pilot .lo-section-heading{margin-bottom:.875rem}.lo-profile--pilot .lo-local-cards-grid{gap:1.125rem}.lo-profile--pilot .lo-local-card{padding:1.875rem;border:1px solid var(--im-slate-100);border-radius:16px;background:var(--paper);box-shadow:0 2px 6px rgba(0,44,102,.08);transition:box-shadow .18s ease,transform .18s ease}.lo-profile--pilot .lo-local-card:hover{box-shadow:0 8px 20px rgba(0,44,102,.1);transform:translateY(-2px)}.lo-profile--pilot .lo-local-card-icon{display:none}.lo-profile--pilot .lo-local-card-kicker{margin:0 0 .5rem;font-size:.6875rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:color-mix(in srgb,var(--brand-navy) 52%,var(--body))}.lo-profile--pilot .lo-local-card-headline{display:flex;align-items:flex-start;gap:.625rem;margin-bottom:.5rem;font-family:var(--font-sans);font-size:1.0625rem;font-weight:600;line-height:1.35;color:var(--brand-navy)}.lo-profile--pilot .lo-local-card-marker{width:7px;height:7px;margin-top:.42em;flex-shrink:0;border-radius:50%;background:var(--sky);box-shadow:0 0 0 2px color-mix(in srgb,var(--sky) 28%,transparent)}.lo-profile--pilot .lo-local-card-body{font-size:.9375rem;line-height:1.6;color:var(--body)}.lo-profile--pilot .lo-resources-section{padding:clamp(3.5rem,5.5vw,5.5rem) 0;background:color-mix(in srgb,var(--sky-soft) 18%,#f8fafb)}.lo-profile--pilot .lo-profile-slab--faq-pilot+.lo-resources-section--pilot{padding-top:clamp(1rem,2vw,1.5rem)}.lo-profile--pilot .lo-resources-section--pilot .lo-section-heading{margin-bottom:.5rem}.lo-profile--pilot .lo-profile-resources-intro{margin-bottom:.875rem;font-size:.9375rem;line-height:1.55}.lo-profile--pilot .lo-resources-grid{gap:1.125rem}.lo-profile--pilot .lo-resource-card{padding:1.375rem 1.5rem;border:1px solid rgba(0,44,102,.1);border-radius:var(--radius-lg);box-shadow:0 14px 28px -24px rgba(0,44,102,.14),inset 0 0 0 1px rgba(255,255,255,.7)}.lo-profile--pilot .lo-resource-card:hover{border-color:color-mix(in srgb,var(--sky) 45%,var(--line-soft));box-shadow:0 20px 36px -24px rgba(0,44,102,.2)}.lo-profile--pilot .lo-resource-kicker{margin:0 0 .5rem;font-size:.6875rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:color-mix(in srgb,var(--brand-navy) 52%,var(--body))}.lo-profile--pilot .lo-resource-title{font-family:var(--font-sans);font-size:1.0625rem;color:var(--brand-navy)}.lo-profile--pilot .lo-profile-neighbor--pilot{padding:clamp(1.125rem,2.5vw,1.75rem) 0;background:#f8fafb;text-align:left}.lo-profile--pilot .lo-resources-section--pilot+.lo-profile-neighbor--pilot{padding-top:clamp(1rem,2vw,1.5rem)}.lo-profile--pilot .lo-profile-neighbor__inner{max-width:900px;margin:0 auto;padding:0 2rem}.lo-profile--pilot .lo-profile-neighbor-card{max-width:640px;margin:0 auto;padding:1.125rem 1.25rem;border:1px solid var(--line-soft);border-radius:var(--radius-lg);background:var(--paper);box-shadow:0 10px 20px -18px rgba(0,44,102,.1)}.lo-profile--pilot .lo-profile-neighbor-card__title{margin:0 0 .5rem;font-family:var(--font-sans);font-size:clamp(1.25rem,2.4vw,1.5rem);font-weight:600;line-height:1.25;letter-spacing:-.02em;color:var(--brand-navy)}.lo-profile--pilot .lo-profile-neighbor-card__title em{font-style:italic;font-weight:500;color:color-mix(in srgb,var(--brand-navy) 72%,var(--body))}.lo-profile--pilot .lo-profile-neighbor-card__body{margin:0 0 .625rem;font-size:.9375rem;line-height:1.6;color:var(--body)}.lo-profile--pilot .lo-profile-neighbor-card__note{margin:0;padding-top:.625rem;border-top:1px solid var(--line-soft);font-size:.8125rem;font-style:italic;line-height:1.55;color:color-mix(in srgb,var(--body) 88%,var(--brand-navy))}.lo-profile--pilot .lo-profile-slab--programs-markets-pilot{padding:clamp(3.75rem,6vw,6rem) 0;background:var(--paper)}.lo-profile--pilot .lo-programs-markets__markets{margin-top:1.5rem;padding-top:1.25rem;border-top:1px solid var(--line-soft)}.lo-profile--pilot .lo-programs-markets__subhead{margin:0 0 .75rem;font-family:var(--font-sans);font-size:clamp(1.125rem,2vw,1.375rem);font-weight:600;letter-spacing:-.02em;color:var(--brand-navy)}.lo-profile--pilot .lo-programs-markets__notes{margin-top:1.25rem;display:flex;flex-direction:column;gap:.5rem}.lo-profile--pilot .lo-programs-markets__note{margin:0;max-width:42rem;font-size:.875rem;line-height:1.55;color:color-mix(in srgb,var(--body) 92%,var(--brand-navy))}.lo-profile--pilot .lo-profile-section-h--compact{margin-bottom:.75rem;font-size:clamp(1.375rem,2.4vw,1.625rem)}.lo-profile--pilot .lo-profile-pills--pilot-panel{display:flex;flex-wrap:wrap;gap:.5rem;justify-content:center;max-width:720px;margin:0 auto;padding:.625rem .75rem;border:1px solid var(--line-soft);border-radius:var(--radius-lg);background:#f8fafb;list-style:none}.lo-profile--pilot .lo-profile-slab--process{padding:clamp(3.75rem,6vw,6rem) 0;background:var(--paper)}.lo-profile--pilot .lo-local-cards-section--pilot+.lo-profile-slab--process{padding-top:clamp(1.25rem,2.5vw,1.75rem)}.lo-profile--pilot .lo-profile-steps--pilot{gap:1.25rem}@media (min-width:768px){.lo-profile--pilot .lo-profile-steps--pilot{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:1.25rem;gap:1.25rem;position:relative}.lo-profile--pilot .lo-profile-steps--pilot:before{content:"";position:absolute;top:22px;left:12%;right:12%;height:1px;background:var(--line-soft);z-index:0}}.lo-profile--pilot .lo-profile-step{padding:1.125rem 1.25rem;border:1px solid var(--line-soft);border-radius:var(--radius-lg);background:var(--paper);box-shadow:0 14px 28px -24px rgba(0,44,102,.12);position:relative;z-index:1}@media (min-width:768px){.lo-profile--pilot .lo-profile-step{display:flex;flex-direction:column;align-items:center;text-align:center;grid-template-columns:unset}.lo-profile--pilot .lo-profile-step__num{margin:0 auto .75rem}}.lo-profile--pilot .lo-profile-step__num{background:color-mix(in srgb,var(--sky-soft) 65%,var(--paper));color:var(--brand-navy)}.lo-profile--pilot .lo-profile-slab--process+.lo-profile-slab--programs-markets-pilot{padding-top:clamp(1rem,2vw,1.5rem)}.lo-profile--pilot .lo-profile-slab--faq,.lo-profile--pilot .lo-profile-slab--faq-pilot{padding:clamp(1.375rem,2.75vw,2.25rem) 0 clamp(2rem,3.5vw,2.75rem);background:var(--paper)}.lo-profile--pilot .lo-profile-slab--process+.lo-profile-slab--faq-pilot{padding-top:clamp(.625rem,1.25vw,.875rem);background:var(--paper)}.lo-profile--pilot .lo-profile-section-inner--faq-pilot{max-width:640px}.lo-profile--pilot .lo-profile-slab--process+.lo-profile-slab--faq-pilot .lo-profile-section-h--compact{margin-bottom:.625rem}.lo-profile--pilot .lo-profile-faq{box-shadow:0 16px 32px -28px rgba(0,44,102,.12)}.lo-profile--pilot .lo-hero__title-line{overflow-wrap:anywhere}.lo-profile--pilot .lo-hero__contact-row a{overflow-wrap:anywhere;word-break:break-word}.lo-profile--pilot .about-photos{display:grid;grid-gap:16px;gap:16px;grid-template-columns:1fr;max-width:920px;margin:0 auto clamp(2rem,4vw,3rem);padding:0 2rem}.lo-profile--pilot img.about-photo{display:block;width:100%;max-width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;object-position:center;border-radius:var(--radius-lg);border:1px solid var(--line-soft);box-shadow:0 16px 32px -26px rgba(0,44,102,.16)}@media (min-width:640px){.lo-profile--pilot .about-photos{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:639px){.lo-profile--pilot .about-photos,.lo-profile--pilot .lo-profile-neighbor__inner,.lo-profile--pilot .lo-section-inner{padding:0 1.25rem}.lo-profile--pilot .lo-local-cards-grid,.lo-profile--pilot .lo-resources-grid{grid-template-columns:1fr}.lo-profile--pilot .lo-profile-neighbor-card{padding:1.25rem 1.125rem}.lo-profile--pilot .lo-profile-pills--pilot-panel{padding:.75rem .875rem}.lo-profile--pilot .lo-pilot-hero{padding:28px 1.25rem 32px;gap:28px}.lo-profile--pilot .lo-pilot-hero__positioning{max-width:none}.lo-profile--pilot .lo-pilot-hero__left .lo-hero__contact-row a{min-height:44px;display:inline-flex;align-items:center}.lo-profile--pilot .lo-why__grid{grid-template-columns:1fr}}.lo-profile .lo-hero__h1.name{overflow-wrap:anywhere;-webkit-hyphens:auto;hyphens:auto}.lo-hero__left .avatar-ring.lo-hero__initials .lo-photo-initials,.lo-hero__left .avatar-ring.lo-hero__initials>span{display:flex;align-items:center;justify-content:center;width:100%;height:100%;font-style:normal;font-weight:600;letter-spacing:.04em;line-height:1}.lo-profile-faq{border:1px solid var(--line-soft);border-radius:var(--radius-lg);background:var(--paper);overflow:hidden}.lo-profile-faq__item{border-bottom:1px solid var(--line-soft)}.lo-profile-faq__item:last-child{border-bottom:none}.lo-profile-faq__trigger{width:100%;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:16px 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em{font-style:italic;color:var(--sky)}.step-band p.lede{color:#c5c9ce;max-width:52ch;margin:0 auto 36px;font-size:16px;line-height:1.5}.step-band .seg-label{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:#9aa3ac;margin-bottom:14px}.seg{display:inline-flex;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);padding:4px;gap:2px;flex-wrap:wrap;justify-content:center}.seg,.seg button{border-radius:999px}.seg button{padding:10px 22px;font-size:14px;color:#c5c9ce;font-weight:500;transition:all .2s}.seg button.on{background:var(--sky);color:var(--dark)}.about{padding:100px 0}.about-grid{display:grid;grid-template-columns:1fr 1.15fr;grid-gap:60px;gap:60px;align-items:start}.about-photo{border-radius:var(--radius-lg);overflow:hidden;background:linear-gradient(135deg,var(--sky-soft) 0,var(--sky) 50%,var(--deep) 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.tag{display:inline-flex;gap:8px;align-items:center;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--deep);font-weight:500;margin-bottom:14px}.info-card .tag:before{content:"";width:6px;height:6px;border-radius:50%;background:var(--sky)}.info-card h3{font-family:var(--font-sans);font-weight:400;font-size:26px;line-height:1.1;letter-spacing:-.01em;margin:0 0 10px}.info-card h3 em{font-style:italic;color:var(--deep)}.info-card p{color:var(--body);font-size:14px;line-height:1.55;margin:0 0 16px}.info-card .stat{font-family:var(--font-sans);font-size:12px;color:var(--ink);padding-top:14px;border-top:1px dashed var(--line-soft)}.info-card .stat strong{color:var(--green-deep);font-weight:500}.testimonial{padding:110px 0;text-align:center;background:var(--paper)}.testimonial .mark-svg{font-family:var(--font-sans);font-size:80px;color:var(--sky);line-height:.6;font-style:italic}.testimonial blockquote{font-family:var(--font-sans);font-weight:400;font-size:clamp(24px,3vw,36px);line-height:1.25;letter-spacing:-.015em;max-width:26ch;margin:20px auto 28px;color:var(--ink)}.testimonial blockquote em{font-style:italic;color:var(--deep)}.testimonial .by{font-size:13px;color:var(--body);letter-spacing:.08em;text-transform:uppercase}.testimonial .by strong{color:var(--ink);font-weight:500}.neighbor{background:var(--cream-2);padding:90px 0;text-align:center}.neighbor h2{font-family:var(--font-sans);font-weight:400;font-size:clamp(32px,4vw,48px);line-height:1.05;letter-spacing:-.02em;margin:0 0 10px}.neighbor h2 em{font-style:italic;color:var(--deep)}.neighbor .cut{font-family:var(--font-sans);font-size:22px;color:var(--body);font-style:italic;margin-bottom:22px}.neighbor p.body{color:var(--body);max-width:56ch;margin:0 auto 28px;font-size:15px;line-height:1.6}.neighbor .local-marker{display:inline-flex;gap:6px;align-items:center;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--deep);margin-top:18px}.resources{padding:100px 0}.resources h2{font-family:var(--font-sans);font-weight:400;font-size:40px;text-align:center;margin:0 0 44px;letter-spacing:-.015em}.resources h2 em{font-style:italic;color:var(--deep)}.res-grid{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:20px;gap:20px}.res{background:var(--paper);border:1px solid var(--line-soft);border-radius:var(--radius-lg);padding:26px;transition:all .2s}.res:hover{border-color:var(--deep);transform:translateY(-2px)}.res .cat{display:inline-block;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--deep);margin-bottom:10px}.res h4{font-size:18px;margin:0 0 8px;font-weight:600;line-height:1.3;color:var(--ink)}.res p{color:var(--body);font-size:13px;line-height:1.5;margin:0 0 16px}.res .link{font-size:13px;color:var(--deep);font-weight:500;display:inline-flex;gap:6px;align-items:center}.res .link:after{content:"→";transition:transform .2s}.res:hover .link:after{transform:translateX(3px)}.resources-page{background:var(--paper)}.resources-hero__inner{max-width:var(--hero-utility-inner-max,760px)}.resources-hero__title{margin:0 auto var(--hero-title-mb,14px);max-width:18ch;font-size:var(--hero-headline-size,clamp(2rem,3.8vw,2.8rem));line-height:var(--hero-headline-lh,1.1);letter-spacing:var(--hero-headline-ls,-.03em);color:var(--brand-navy)}.resources-hero__lede{margin:0 auto;max-width:46rem;font-size:clamp(1rem,2vw,1.18rem);line-height:var(--hero-lede-lh,1.65);color:var(--body)}.resources-section{padding:3.5rem 0}.resources-section--soft{background:var(--cream-2);border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft)}.resources-section__title{margin:0 0 1.3rem;font-size:clamp(1.45rem,3vw,2rem);line-height:1.1;letter-spacing:-.025em;color:var(--brand-navy)}.resources-guides-grid{display:grid;grid-template-columns:1fr;grid-gap:1rem;gap:1rem}.resources-card{display:flex;min-height:180px;flex-direction:column;justify-content:space-between;border:1px solid var(--line-soft);border-radius:16px;background:var(--paper);padding:1.2rem;text-decoration:none;transition:border-color .2s,transform .2s,box-shadow .2s}.resources-card:hover{border-color:var(--deep);box-shadow:0 8px 20px rgba(0,44,102,.08);transform:translateY(-2px)}.resources-card h3{margin:0 0 .6rem;font-size:1.08rem;color:var(--brand-navy)}.resources-card p{margin:0 0 1rem;font-size:14px;line-height:1.6;color:var(--body)}.resources-card span{font-size:13px;font-weight:600;color:var(--deep)}.resources-feature{display:grid;grid-gap:1.25rem;gap:1.25rem;align-items:center}.resources-feature__text{margin:0;max-width:42rem;font-size:15px;line-height:1.65;color:var(--body)}.resources-placeholder-card{border:1px dashed rgba(15,35,58,.28);border-radius:16px;background:linear-gradient(135deg,rgba(232,243,248,.75),rgba(250,246,239,.85));padding:1.35rem}.resources-placeholder-card__eyebrow{margin:0 0 .5rem;font-size:11px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--deep)}.resources-placeholder-card h3{margin:0 0 .5rem;font-size:1.15rem;color:var(--brand-navy)}.resources-placeholder-card p:last-child{margin:0;max-width:42rem;font-size:14px;line-height:1.6;color:var(--body)}@media (min-width:760px){.resources-guides-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:1.25rem}.resources-feature{grid-template-columns:1fr auto}}.resources-hub-hero{padding-bottom:1.5rem}.resources-hub-hero .loan-hero__breadcrumb{padding-top:1.25rem}.resources-page .resources-hub-start-here{padding-top:2.75rem}.resources-hub-section-head{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:.75rem 1rem;margin-bottom:1.3rem}.resources-hub-section-head .resources-section__title{margin:0}.resources-hub-section-link{font-size:14px;font-weight:600;color:var(--deep);text-decoration:none}.resources-hub-section-link:hover{color:var(--brand-navy)}.resources-hub-featured{padding:0;margin-bottom:1.5rem}.resources-hub-calculators-grid,.resources-hub-ins-grid{margin-top:0}.calculators-page{background:var(--paper)}.calculators-hero .resources-hero__title{max-width:19ch}.calculators-hero__reassurance{margin:.65rem 0 0;max-width:36rem;font-size:14px;line-height:1.5;color:var(--body)}.calculators-card-grid{display:grid;grid-template-columns:1fr;grid-gap:1rem;gap:1rem}.calculators-card{cursor:pointer}.calculators-card__topline{display:flex;gap:.75rem;align-items:flex-start;justify-content:space-between}.calculators-card__topline h3{margin-bottom:.6rem}.resources-card .calculators-badge{flex:0 0 auto;border:1px solid rgba(15,35,58,.14);border-radius:999px;background:var(--cream);padding:.25rem .55rem;font-size:10px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--deep)}.calculators-card__icon{display:flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:10px;background:var(--cream);color:var(--brand-navy);margin-bottom:1rem;border:1px solid var(--line-soft)}.calculators-card:hover .calculators-card__icon{background:var(--sky-pale,#e7f7fe);border-color:var(--sky);color:var(--brand-teal)}.calculators-intent-selector{margin-top:2rem;max-width:44rem;margin-left:auto;margin-right:auto}.calculators-intent-selector__label{margin:0 0 1rem;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--body)}.calculators-intent-btn{display:inline-flex;align-items:center;justify-content:center;text-align:center;padding:.75rem 1.1rem;border-radius:12px;border:1px solid var(--line-soft);background:var(--paper);color:var(--ink);font-size:14px;font-weight:500;line-height:1.4;text-decoration:none;transition:border-color .15s,background .15s,box-shadow .15s}.calculators-intent-btn:hover{border-color:var(--sky);background:var(--cream);box-shadow:0 4px 12px rgba(15,35,58,.07)}.calculators-intent-selector__reassurance{margin:1rem 0 0;font-size:13px;line-height:1.5;color:var(--body);text-align:center}.calculators-section-lede{margin:-.35rem 0 1.75rem;max-width:40rem;font-size:15px;line-height:1.65;color:var(--body)}.calculators-guided-section{padding-top:4rem;padding-bottom:3.5rem;border-top:1px solid var(--line-soft)}.calculators-guided-grid{display:grid;grid-template-columns:1fr;grid-gap:1rem;gap:1rem}.calculators-guided-card{display:flex;min-height:148px;flex-direction:column;justify-content:space-between;border:1px solid var(--line-soft);border-radius:16px;background:var(--paper);padding:1.35rem 1.4rem;text-decoration:none;transition:border-color .2s,transform .2s,box-shadow .2s}.calculators-guided-card:hover{border-color:var(--deep);box-shadow:0 8px 20px rgba(0,44,102,.08);transform:translateY(-2px)}.calculators-guided-card__intent{margin:0 0 .45rem;font-size:1.02rem;font-weight:600;line-height:1.35;color:var(--brand-navy)}.calculators-guided-card__target{margin:0;font-size:14px;line-height:1.55;color:var(--body)}.calculators-guided-card__cta{margin-top:1.1rem;font-size:13px;font-weight:600;color:var(--deep)}.calculators-tools-section{padding:4rem 0 5rem;background:var(--cream-2);border-top:1px solid var(--line-soft)}.calculators-tools-section .resources-card{background:var(--paper)}.calculators-intent-chip{display:inline-flex;align-items:center;gap:.5rem;padding:.6rem 1rem;border-radius:999px;border:1px solid var(--line-soft);background:var(--paper);color:var(--ink);font-size:14px;font-weight:500;text-decoration:none;transition:border-color .15s,background .15s,box-shadow 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