:root{--navy:#102847;--blue:#187bbb;--sky:#e9f5fb;--gold:#dfb464;--ink:#192f49;--muted:#64758b}*{box-sizing:border-box}body{margin:0;color:var(--ink);font:16px/1.55 system-ui,-apple-system,Segoe UI,Arial,sans-serif;background:#f5f8fc}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button,.button{cursor:pointer;border:0;border-radius:9px;background:var(--blue);color:#fff;padding:12px 20px;font-weight:750;display:inline-block}button:hover,.button:hover{filter:brightness(.92)}.secondary{background:#edf3f9;color:var(--navy)}.nav{background:#fff;box-shadow:0 2px 14px #1b335413;position:relative;z-index:5}.navinner{max-width:1250px;margin:auto;display:flex;align-items:center;justify-content:space-between;gap:18px;padding:15px 22px;flex-wrap:wrap}.brand{font-size:26px;font-weight:850;letter-spacing:-1px}.brand em{font-style:normal;color:var(--blue)}.brand small{display:block;color:var(--muted);font-size:10px;font-weight:700;letter-spacing:2px}.links{display:flex;align-items:center;gap:16px;flex-wrap:wrap;font-size:14px;font-weight:700}.links a:hover{color:var(--blue)}.container{width:min(1160px,92%);margin:auto}.hero{background:linear-gradient(90deg,#eef5fb 0%,#eef5fbe8 30%,#eef5fbf2 43%,rgba(238,245,251,.90) 52%,rgba(238,245,251,.45) 60%,rgba(27,60,93,.08) 100%),url('female-agent.jpg') 74% center/cover no-repeat;min-height:520px;position:relative;overflow:hidden;display:flex;align-items:center}.hero-inner{position:relative;z-index:2;padding:70px 0 116px}.hero h1{font-size:clamp(39px,5.2vw,70px);line-height:1.06;letter-spacing:-2px;max-width:640px;margin:15px 0}.hero p{font-size:19px;max-width:520px}.hero .eyebrow{color:#176b9d;font-size:13px;letter-spacing:4px;font-weight:900}.agent{display:none}.intro-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.quick{display:grid;grid-template-columns:repeat(4,1fr);gap:15px;position:relative;z-index:3;margin-top:-60px}.quick a{padding:23px;background:#fff;border:1px solid #dce8f1;box-shadow:0 12px 30px #12345320;border-radius:12px;font-weight:800}.quick span{display:block;color:#6a7e91;font-size:13px;font-weight:500;margin-top:8px}.section{padding:55px 0}.section h2{font-size:35px;margin:0 0 10px}.lead{color:var(--muted);max-width:740px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card,.panel{background:#fff;border:1px solid #dce7f1;border-radius:14px;padding:25px;box-shadow:0 7px 20px #1c45670c}.card h3{font-size:21px;margin:0 0 9px}.card p{color:var(--muted)}.card strong{color:var(--blue)}.pagehead{background:linear-gradient(115deg,#0e2845,#1e5786);color:#fff;padding:46px 0}.pagehead h1{font-size:clamp(32px,4vw,52px);margin:5px 0}.pagehead p{color:#dfebf8;max-width:760px}.formgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:17px}.field{display:flex;flex-direction:column;gap:6px}.field label{font-size:13px;font-weight:750}.field input,.field select,.field textarea{width:100%;border-radius:8px;border:1px solid #bbcbd9;background:#fff;padding:12px;color:var(--ink)}.field input:focus,.field select:focus{outline:2px solid #98d4f5}.full{grid-column:1/-1}.note{background:#edf5fc;border-left:4px solid var(--blue);padding:15px;border-radius:6px;color:#38546a}.warn{background:#fff4e4;border-left:4px solid #b78225;padding:13px;color:#63431e}.results{display:none}.results.visible{display:block}.program{padding:14px;border:1px solid #d6e5ec;border-left:5px solid #1e9a73;border-radius:9px;margin:12px 0;background:#fff}.number{font-size:27px;font-weight:800;color:#167bb4}.kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.kpis>div{background:#e8f4fa;padding:20px;border-radius:12px}table{width:100%;border-collapse:collapse;min-width:600px}th,td{text-align:left;padding:11px;border-bottom:1px solid #e1e9ef;font-size:14px}.scroll{overflow:auto}.footer{background:#102945;color:#cbdeec;padding:28px 0;margin-top:40px}.chip{display:inline-block;background:#e7f2fb;color:#215781;border-radius:99px;padding:4px 10px;font-size:12px;font-weight:850}.step{padding:12px;border:1px solid #d7e2ef;border-radius:8px;margin:7px 0}.step.complete{background:#e0f4ec;border-color:#b4dfcd}.chat-launch{position:fixed;right:22px;bottom:20px;z-index:10;box-shadow:0 9px 28px #142b4666;border-radius:30px}.chat-box{display:none;position:fixed;right:22px;bottom:84px;z-index:11;width:min(370px,calc(100vw - 32px));background:#fff;border:1px solid #bbd1e3;border-radius:14px;box-shadow:0 15px 35px #142b4644;padding:20px}.chat-box.show{display:block}.chat-box #reply{background:#edf6fd;padding:12px;border-radius:8px;min-height:60px;margin:10px 0} @media(max-width:920px){.quick{grid-template-columns:repeat(2,1fr)}.cards{grid-template-columns:repeat(2,1fr)}.hero{background-position:78% center}}@media(max-width:600px){.formgrid,.cards,.quick,.kpis{grid-template-columns:1fr}.hero{min-height:440px;background-position:80% center}.hero-inner{padding:65px 0 105px}.hero h1{font-size:39px}.links{gap:9px;font-size:12px}.quick{margin-top:-43px}}

/* Loan 4 navy and gold visual identity */
:root{--navy:#071522;--blue:#d7a454;--sky:#142a3a;--gold:#ebbd6a;--ink:#e7edf3;--muted:#b6c2cf}body{background:#081a2b;color:#f3f4f2}.nav{background:#071522;border-bottom:1px solid #d4a45365}.brand{color:#f4f0e9}.brand em{color:#e1b460}.brand small{color:#d4ae70}.links a{color:#f5e9d6}.links a:hover{color:#e1b460}.button,button{background:#d9a958;color:#102033}.secondary{background:#101f30;color:#fff;border:1px solid #d9a958}.hero{background:linear-gradient(90deg,rgba(5,17,29,.96) 0%,rgba(5,17,29,.84) 44%,rgba(5,17,29,.18) 100%),url('loan4-residence.jpg') center center/cover no-repeat;min-height:545px}.hero h1{color:#fff}.hero p{color:#eee1d0}.hero .eyebrow{color:#e7bb66}.agent{display:block;position:absolute;right:3%;bottom:0;height:min(465px,90%);object-fit:contain;z-index:1;filter:drop-shadow(0 15px 26px #0008)}.quick a,.card,.panel{background:#12283c;color:#f1f3f3;border:1px solid #7d643e}.quick span,.card p,.lead{color:#c0cad3}.card strong{color:#e2b25c}.section h2{color:#f9f2e9}.pagehead{background:linear-gradient(115deg,#061421,#22394a)}.note,.kpis>div{background:#18374b;color:#e8eef2}.footer{background:#061421}.chip{background:#15364d;color:#ecc879}input,select,textarea{color:#122c45}a{color:inherit} @media(max-width:920px){.agent{height:350px;opacity:.42;right:-30px}}@media(max-width:600px){.agent{height:310px;opacity:.2;right:-50px}}

/* Hero v5: clean portrait-and-house photograph, no broken overlay */
.hero{background:linear-gradient(90deg,rgba(4,14,25,.97) 0%,rgba(4,14,25,.85) 35%,rgba(4,14,25,.3) 63%,rgba(4,14,25,.03) 100%),url('loan4-hero-clean-v5.jpg') center/cover no-repeat!important;min-height:570px}.hero .agent{display:none!important}
@media(max-width:600px){.hero{background-position:72% center!important}}


/* Loan 4 hero v6: clean separate house background and smaller intact female portrait */
.hero{background:linear-gradient(90deg,rgba(4,14,25,.97) 0%,rgba(4,14,25,.86) 36%,rgba(4,14,25,.22) 64%,rgba(4,14,25,.05) 100%),url('loan4-house-v6.png') center/cover no-repeat!important;min-height:640px!important}
.hero .agent{display:block!important}
.agent{position:absolute!important;right:4%!important;bottom:58px!important;width:min(30vw,345px)!important;height:auto!important;max-height:460px!important;object-fit:contain!important;object-position:bottom!important;z-index:1!important;filter:drop-shadow(0 18px 30px rgba(0,0,0,.42))!important}
.hero-inner{padding:76px 0 176px!important}
@media(max-width:920px){.hero{min-height:600px!important;background-position:62% center!important}.agent{width:min(34vw,300px)!important;max-height:390px!important;bottom:70px!important;right:2%!important;opacity:.92!important}}
@media(max-width:600px){.hero{min-height:550px!important;background-position:64% center!important}.hero-inner{padding:58px 0 150px!important}.agent{width:44vw!important;max-height:290px!important;bottom:78px!important;right:-4%!important;opacity:.42!important}}

/* Final portrait positioning: full head and comfortable top margin, no oversized crop */
.hero{min-height:640px!important;overflow:hidden}
.hero .agent{display:block!important;width:min(25vw,285px)!important;max-width:285px!important;max-height:405px!important;height:auto!important;right:6%!important;bottom:18px!important;object-fit:contain!important;object-position:bottom center!important;opacity:1!important}
@media(max-width:920px){.hero .agent{width:min(29vw,245px)!important;max-height:355px!important;right:3%!important;bottom:12px!important;opacity:.78!important}}
@media(max-width:600px){.hero .agent{width:38vw!important;max-width:190px!important;max-height:285px!important;right:-2%!important;bottom:8px!important;opacity:.4!important}}