@import"https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Playfair+Display:wght@600;700&display=swap";:root{--navy:#12304a;--navy-deep:#0b2135;--gold:#c7922e;--gold-light:#f4e7c7;--cream:#fbfaf7;--ink:#18232d;--slate:#5e6e7b;--line:#dce4e8;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:DM Sans,system-ui,sans-serif;line-height:1.6}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}.site-shell{min-height:100vh}.site-header{align-items:center;background:var(--white);border-bottom:1px solid var(--line);display:flex;gap:28px;justify-content:space-between;padding:18px max(24px,calc((100vw - 1160px)/2));position:sticky;top:0;z-index:10}.menu-toggle{align-items:center;background:transparent;border:1px solid var(--line);border-radius:4px;color:var(--navy);display:none;font:inherit;font-size:.86rem;font-weight:700;gap:8px;padding:8px 11px}.brand{align-items:center;display:flex;gap:10px}.brand-mark{align-items:center;background:var(--navy);border-radius:50%;color:var(--gold-light);display:inline-flex;font-family:Playfair Display,serif;font-size:1rem;height:42px;justify-content:center;letter-spacing:.03em;width:42px}.brand-name{color:var(--navy);font-size:1.1rem;font-weight:700;letter-spacing:.02em}.site-nav{align-items:center;display:flex;flex-wrap:wrap;gap:22px;justify-content:flex-end}.site-nav a{color:var(--slate);font-size:.88rem;font-weight:600}.site-nav a:hover,.site-nav a.active{color:var(--navy)}.site-nav .nav-cta{background:var(--navy);border-radius:4px;color:var(--white);padding:10px 15px}.page-width{margin:0 auto;max-width:1160px;padding-left:24px;padding-right:24px}.hero{background:linear-gradient(115deg,var(--navy-deep),var(--navy));color:var(--white);display:flex;gap:40px;justify-content:space-between;min-height:480px;padding:110px max(24px,calc((100vw - 1160px)/2))}.hero-copy{max-width:720px}.eyebrow{color:var(--gold);font-size:.75rem;font-weight:700;letter-spacing:.14em;margin:0 0 14px;text-transform:uppercase}h1,h2,h3{font-family:Playfair Display,Georgia,serif;line-height:1.12;margin:0 0 18px}h1{font-size:clamp(2.8rem,6vw,5.4rem);letter-spacing:-.03em}h2{color:var(--navy);font-size:clamp(2rem,3vw,3rem)}h3{color:var(--navy);font-size:1.7rem}.hero h1,.page-hero h1{color:var(--white)}.hero-lede{color:#ffffffdb;font-size:1.15rem;max-width:650px}.hero-actions{align-items:center;display:flex;flex-wrap:wrap;gap:22px;margin-top:30px}.button{border:0;border-radius:4px;cursor:pointer;display:inline-flex;font-size:.9rem;font-weight:700;gap:10px;justify-content:center;padding:13px 19px}.button.primary{background:var(--gold);color:var(--navy-deep)}.button.small{background:var(--navy);color:var(--white);font-size:.82rem;padding:11px 15px}.text-link{color:var(--gold-light);font-weight:700}.hero-badge{align-self:flex-end;border:1px solid rgba(244,231,199,.35);border-radius:8px;display:flex;flex-direction:column;gap:4px;min-width:200px;padding:24px;text-align:center}.badge-number{color:var(--gold-light);font-family:Playfair Display,serif;font-size:4rem;line-height:1}.audience-section{padding-bottom:95px;padding-top:92px}.section-heading{max-width:640px}.section-heading>p:not(.eyebrow){color:var(--slate);font-size:1.05rem}.audience-grid{display:grid;gap:20px;grid-template-columns:repeat(2,minmax(0,1fr));margin-top:38px}.audience-card{background:var(--white);border:1px solid var(--line);border-radius:7px;min-height:270px;padding:32px}.audience-card.featured{background:var(--gold-light);border-color:#e7d2a7}.card-kicker{color:var(--gold);font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase}.audience-card p,.info-panel p,.sam-card p,.contact-aside p{color:var(--slate)}.audience-card .button{margin-top:14px}.client-story-section{padding-bottom:95px}.client-story-section .section-heading{margin-bottom:34px}.client-story-grid{display:grid;gap:18px;grid-template-columns:repeat(3,minmax(0,1fr))}.client-story-grid figure{background:var(--white);border:1px solid var(--line);border-radius:7px;margin:0;overflow:hidden}.client-story-grid img{height:275px;object-fit:cover;width:100%}.client-story-grid figure:first-child img{object-position:center 34%}.client-story-grid figcaption{color:var(--navy);font-size:.84rem;font-weight:700;padding:14px 16px}.sam-section{align-items:stretch;display:grid;gap:20px;grid-template-columns:1.5fr 1fr;padding-bottom:95px}.sam-card,.stat-card{background:var(--navy-deep);border-radius:7px;color:var(--white);padding:38px}.sam-card{align-items:center;display:grid;gap:28px;grid-template-columns:minmax(0,1fr) 154px}.sam-photo{border:4px solid rgba(244,231,199,.72);border-radius:50%;height:154px;object-fit:cover;object-position:center top;width:154px}.sam-card h2{color:var(--white)}.sam-card p{color:#ffffffc7;max-width:650px}.stat-card{background:var(--gold-light);color:var(--navy);display:grid;gap:4px}.stat-card strong{font-family:Playfair Display,serif;font-size:2.6rem;margin-top:8px}.stat-card span{color:var(--slate);margin-bottom:14px}.page-hero{background:var(--navy-deep);padding:90px 0 80px}.page-hero .hero-lede{max-width:760px}.content-grid{display:grid;gap:20px;grid-template-columns:repeat(2,minmax(0,1fr));padding-bottom:68px;padding-top:68px}.physician-quick-cta{align-items:center;background:var(--gold-light);border-radius:7px;display:flex;gap:34px;justify-content:space-between;margin-top:52px;padding:32px 36px}.physician-quick-cta>div:first-child{max-width:700px}.physician-quick-cta h2{font-size:clamp(1.7rem,2.7vw,2.4rem)}.physician-quick-cta p:not(.eyebrow){color:var(--slate);margin-bottom:0}.physician-cta-actions{align-items:center;display:grid;flex:0 0 auto;gap:12px;text-align:center}.physician-phone{color:var(--navy);font-size:.86rem;font-weight:800}.physician-overview{padding-bottom:72px;padding-top:76px}.physician-benefit-grid{display:grid;gap:18px;grid-template-columns:repeat(4,minmax(0,1fr));margin-top:34px}.physician-benefit-grid article{background:var(--white);border:1px solid var(--line);border-radius:7px;padding:25px}.physician-benefit-grid span{color:var(--gold);font-family:Playfair Display,serif;font-size:1.45rem}.physician-benefit-grid h3{font-size:1.28rem;margin:10px 0}.physician-benefit-grid p{color:var(--slate);font-size:.9rem;margin-bottom:0}.physician-eligibility{padding-top:0}.physician-scenarios{padding-bottom:70px}.resource-inline-link{margin-top:28px}.resource-inline-link a{color:var(--navy);font-weight:800;text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:4px}.scenario-grid{display:grid;gap:18px;grid-template-columns:repeat(2,minmax(0,1fr));margin-top:32px}.scenario-grid article{border-left:3px solid var(--gold);padding:8px 24px 12px}.scenario-grid h3{font-size:1.35rem;margin-bottom:8px}.scenario-grid p{color:var(--slate);margin-bottom:0}.loan-comparison{padding-bottom:76px}.comparison-table{background:var(--white);border:1px solid var(--line);border-radius:7px;margin:32px 0 14px;overflow:hidden}.comparison-row{border-bottom:1px solid var(--line);display:grid;grid-template-columns:.65fr 1fr 1fr}.comparison-row:last-child{border-bottom:0}.comparison-row>*{border-right:1px solid var(--line);padding:17px 20px}.comparison-row>*:last-child{border-right:0}.comparison-row.heading{background:var(--navy);color:var(--white);font-weight:800}.comparison-row strong{color:var(--navy)}.comparison-row span{color:var(--slate)}.comparison-row.heading span{color:var(--white)}.physician-faq{padding-bottom:80px}.faq-list{display:grid;gap:10px;margin-top:30px}.faq-list details{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:0 22px}.faq-list summary{color:var(--navy);cursor:pointer;font-family:Playfair Display,serif;font-size:1.15rem;font-weight:700;padding:18px 28px 18px 0;position:relative}.faq-list summary::marker{color:var(--gold)}.faq-list details p{color:var(--slate);margin:0;max-width:900px;padding:0 0 20px}.physician-final-cta{align-items:center;background:var(--navy-deep);border-radius:7px;color:var(--white);display:flex;gap:34px;justify-content:space-between;margin-bottom:90px;padding:38px}.physician-final-cta h2{color:var(--white)}.physician-final-cta p:not(.eyebrow){color:#ffffffb3;margin-bottom:0}.physician-final-cta>div:last-child{align-items:center;display:grid;gap:14px;min-width:280px;text-align:center}.physician-final-cta>div:last-child>a:not(.button){color:var(--gold-light);font-weight:700}.page-photo-feature{align-items:stretch;display:grid;gap:0;grid-template-columns:minmax(0,1.1fr) minmax(320px,.9fr);margin-bottom:68px}.page-photo-feature img{border-radius:7px 0 0 7px;height:100%;min-height:330px;object-fit:cover;width:100%}.page-photo-feature>div{align-content:center;background:var(--gold-light);border-radius:0 7px 7px 0;display:grid;padding:36px}.page-photo-feature>div p:not(.eyebrow){color:var(--slate);margin:0}.page-photo-feature.reverse img{border-radius:0 7px 7px 0;order:2}.page-photo-feature.reverse>div{border-radius:7px 0 0 7px;order:1}.phd-credit-callout{align-items:start;background:var(--gold-light);border-radius:7px;display:grid;gap:42px;grid-template-columns:minmax(260px,.75fr) minmax(0,1.25fr);margin-bottom:90px;padding:42px}.phd-credit-callout blockquote{color:var(--navy);font-family:Playfair Display,serif;font-size:clamp(1.8rem,3vw,2.7rem);line-height:1.2;margin:0}.phd-credit-callout h2{font-size:clamp(1.7rem,2.6vw,2.35rem)}.phd-credit-callout p:not(.eyebrow){color:var(--slate)}.phd-credit-callout .button{margin:8px 0 13px}.phd-credit-callout .small-note{font-size:.78rem;margin-bottom:0}.program-chart{background:var(--white);border:1px solid var(--line);border-radius:7px;margin:0 auto 68px;max-width:780px;overflow:hidden;padding:18px}.program-chart a{display:block;overflow-x:auto}.program-chart img{display:block;height:auto;margin:0 auto;min-width:650px;width:100%}.program-chart figcaption{align-items:flex-start;border-top:1px solid var(--line);display:grid;gap:5px;margin-top:18px;padding-top:16px}.program-chart figcaption strong{color:var(--navy)}.program-chart figcaption span{color:var(--slate);font-size:.84rem;line-height:1.5}.info-panel{background:var(--white);border:1px solid var(--line);border-radius:7px;padding:30px}ul{padding-left:22px}li{margin-bottom:9px}.small-note{font-size:.84rem}.prose-section{padding-bottom:74px}.prose-section p{color:var(--slate);max-width:760px}.about-layout{align-items:center;display:grid;gap:40px;grid-template-columns:240px minmax(0,1fr)}.about-photo{aspect-ratio:3/4;border:1px solid var(--line);border-radius:7px;object-fit:cover;width:100%}.about-moments{display:grid;gap:20px;grid-template-columns:1.1fr .9fr;padding-bottom:90px}.about-moment{background:var(--white);border:1px solid var(--line);border-radius:7px;margin:0;overflow:hidden}.about-moment img{height:450px;object-fit:cover;width:100%}.about-moment.large img{object-position:center 38%}.about-moment figcaption{display:grid;gap:3px;padding:18px 20px 20px}.about-moment figcaption strong{color:var(--navy);font-family:Playfair Display,serif;font-size:1.2rem}.about-moment figcaption span{color:var(--slate);font-size:.84rem}.review-panel{align-items:center;display:flex;gap:42px;justify-content:space-between;padding-bottom:90px;padding-top:72px}.review-panel>div{max-width:680px}.review-panel p:not(.eyebrow){color:var(--slate)}.review-panel.compact{background:var(--gold-light);border-radius:7px;margin-bottom:80px;padding:38px}.zillow-rating strong{color:var(--navy);font-size:1.25rem}.review-excerpts{display:grid;gap:14px;grid-template-columns:repeat(2,minmax(0,1fr));margin-top:24px}.review-excerpts blockquote{background:var(--white);border-left:3px solid var(--gold);margin:0;padding:18px}.review-excerpts blockquote p{font-size:.88rem;margin:0 0 8px}.review-excerpts cite{color:var(--navy);font-size:.76rem;font-style:normal;font-weight:700}.client-gallery-section{padding-bottom:90px}.client-gallery-section .section-heading{margin-bottom:34px}.client-gallery{display:grid;gap:16px;grid-auto-rows:310px;grid-template-columns:repeat(3,minmax(0,1fr))}.client-gallery figure{border-radius:7px;margin:0;overflow:hidden;position:relative}.client-gallery figure.wide{grid-column:span 2}.client-gallery img{height:100%;object-fit:cover;width:100%}.client-gallery figure:first-child img{object-position:center 36%}.client-gallery figcaption{background:linear-gradient(transparent,#0b2135e6);bottom:0;color:var(--white);font-size:.87rem;font-weight:700;left:0;padding:38px 18px 15px;position:absolute;right:0}.resource-grid{display:grid;gap:20px;grid-template-columns:repeat(2,minmax(0,1fr));padding-bottom:90px;padding-top:72px}.resource-card{background:var(--white);border:1px solid var(--line);border-radius:7px;max-width:680px;padding:34px}.resource-card p:not(.eyebrow){color:var(--slate)}.steps{display:grid;gap:32px 42px;grid-template-columns:repeat(2,minmax(0,1fr));padding-bottom:90px;padding-top:70px}.step{border-top:3px solid var(--gold);padding:22px 18px 10px 0}.step span{color:var(--gold);font-family:Playfair Display,serif;font-size:1.8rem}.step h2{font-size:1.35rem;margin:10px 0}.step p{color:var(--slate);line-height:1.65;margin-bottom:0;padding-right:18px}.step a{color:var(--navy);font-weight:800;text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:3px}.closing-moments{padding-bottom:90px}.closing-moments .section-heading{margin-bottom:32px}.closing-photo-grid{display:grid;gap:18px;grid-template-columns:repeat(3,minmax(0,1fr))}.closing-photo-grid figure{background:var(--white);border:1px solid var(--line);border-radius:7px;margin:0;overflow:hidden}.closing-photo-grid img{height:300px;object-fit:cover;width:100%}.closing-photo-grid figcaption{color:var(--navy);font-size:.84rem;font-weight:700;padding:14px 16px}.contact-layout{display:grid;gap:44px;grid-template-columns:1.15fr .85fr;padding-bottom:90px;padding-top:70px}.contact-form{background:var(--white);border:1px solid var(--line);border-radius:7px;display:grid;gap:16px;padding:30px}.form-two-column{display:grid;gap:16px;grid-template-columns:repeat(2,minmax(0,1fr))}label{color:var(--navy);display:grid;font-size:.85rem;font-weight:700;gap:7px}input,select,textarea{border:1px solid #cbd6dc;border-radius:4px;color:var(--ink);font:inherit;padding:11px 12px}.field-note,.optional-label{color:var(--slate);font-size:.76rem;font-weight:500}.honeypot{height:0;left:-10000px;opacity:0;overflow:hidden;position:absolute;width:0}.human-check{align-items:center;background:#f7f9fa;border:1px solid #cbd6dc;border-radius:4px;display:flex;font-size:.82rem;gap:10px;padding:12px 14px}.human-check input{accent-color:var(--navy);flex:0 0 auto;height:20px;margin:0;width:20px}.human-check span{color:var(--navy);font-weight:800}.form-security{color:var(--slate);font-size:.75rem;line-height:1.5;margin:0}.form-security a{color:var(--navy);font-weight:800;text-decoration:underline}.form-status{border-radius:4px;display:grid;font-size:.86rem;gap:3px;padding:13px 15px}.form-status.success{background:#e4f5e9;color:#165b2e}.form-status.error{background:#fbe5e5;color:#8b1e1e}.form-status.sending{background:#eef3f6;color:var(--navy)}.form-status span{font-size:.76rem}.contact-aside{align-self:start;padding-top:20px}.contact-aside h2{font-size:2.3rem}.contact-aside strong{color:var(--navy)}.contact-email{color:var(--navy);display:inline-block;font-weight:700;margin-top:8px;text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:4px}.booking-card{background:var(--gold-light);border:1px solid #e2c98f;border-radius:7px;margin-top:34px;padding:26px}.booking-card h3{font-size:1.75rem;margin-bottom:10px}.booking-intro{color:var(--slate);font-size:.86rem;line-height:1.55}.booking-form{display:grid;gap:14px;margin-top:18px}.booking-form .form-two-column{gap:12px}.booking-form label{font-size:.78rem}.booking-form input,.booking-form select{background:var(--white);min-width:0;padding:10px;width:100%}.booking-form .human-check{align-items:center;display:flex;justify-content:center;min-height:54px;width:100%}.booking-form .human-check input{flex:0 0 20px;height:20px;min-width:20px;padding:0;width:20px}.booking-form .human-check span{flex:0 0 auto;line-height:1.2;text-align:center}.booking-form .button{width:100%}.calculator-reminder{background:var(--gold-light);border-left:4px solid var(--gold);color:var(--navy);font-size:.92rem;line-height:1.55;margin-top:52px;padding:16px 20px}.calculator-layout{align-items:start;display:grid;gap:24px;grid-template-columns:minmax(0,1.25fr) minmax(310px,.75fr);padding-bottom:40px;padding-top:28px}.calculator-form,.calculator-results{background:var(--white);border:1px solid var(--line);border-radius:7px;padding:30px}.calculator-form-grid{display:grid;gap:18px;grid-template-columns:repeat(2,minmax(0,1fr))}.calculator-results{background:var(--gold-light);position:sticky;top:105px}.payment-total{color:var(--navy);display:block;font-family:Playfair Display,serif;font-size:clamp(2.8rem,5vw,4.5rem);line-height:1}.payment-frequency{color:var(--slate);display:block;margin:7px 0 24px}.payment-breakdown{border-top:1px solid #dec895;margin:0 0 25px}.payment-breakdown div{align-items:center;border-bottom:1px solid #dec895;display:flex;gap:18px;justify-content:space-between;padding:10px 0}.payment-breakdown dt{color:var(--slate)}.payment-breakdown dd{color:var(--navy);font-weight:700;margin:0;text-align:right}.calculator-disclosure{padding-bottom:90px}.calculator-disclosure h2{font-size:1.55rem}.calculator-disclosure p{color:var(--slate);font-size:.88rem;max-width:900px}.site-footer{background:var(--navy-deep);color:var(--white);display:grid;gap:22px;grid-template-columns:1fr auto;padding:42px max(24px,calc((100vw - 1160px)/2))}.site-footer strong{display:block;font-family:Playfair Display,serif;font-size:1.3rem;margin-bottom:5px}.site-footer span,.disclaimer{color:#ffffffa8;font-size:.85rem}.footer-links{display:flex;flex-wrap:wrap;gap:18px}.footer-links a{color:var(--gold-light);font-size:.85rem;font-weight:700}.disclaimer{grid-column:1/-1;margin:0;max-width:880px}.article-card-grid{display:grid;gap:20px;grid-template-columns:repeat(2,minmax(0,1fr));padding-bottom:72px;padding-top:72px}.article-card{background:var(--white);border:1px solid var(--line);border-radius:7px;padding:30px}.article-card h2{font-size:1.65rem}.article-card p:not(.eyebrow){color:var(--slate)}.text-link.dark{color:var(--navy);text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:4px}.article-hero{background:var(--navy-deep);padding:80px 24px}.article-width{margin-left:auto;margin-right:auto;max-width:820px}.article-hero h1{color:var(--white);font-size:clamp(2.5rem,5vw,4.2rem)}.article-byline{color:#ffffffa6;font-size:.8rem;margin-top:30px}.article-body{padding:70px 24px 90px}.article-body section{margin:52px 0}.article-body section h2{font-size:2rem}.article-body section p{color:var(--slate);font-size:1.02rem;line-height:1.8}.article-summary{background:var(--gold-light);border-left:4px solid var(--gold);padding:26px 30px}.article-summary h2{font-size:1.55rem}.article-summary li{color:var(--slate)}.article-disclosure{background:#eef3f6;border-radius:5px;color:var(--slate);font-size:.84rem;padding:20px}.article-next{align-items:center;display:flex;gap:20px;justify-content:space-between;margin-top:45px}.article-next>a:first-child{color:var(--navy);font-weight:800}.legal-page{padding-bottom:90px;padding-top:70px}.legal-page section{border-bottom:1px solid var(--line);max-width:820px;padding:0 0 28px;margin-bottom:30px}.legal-page h2{font-size:1.65rem}.legal-page p{color:var(--slate)}@media(max-width:980px){.site-nav{gap:12px}.site-nav a{font-size:.8rem}}@media(max-width:900px){body{overflow-x:hidden}.site-header{align-items:center;flex-wrap:wrap;gap:14px;position:sticky}.menu-toggle{display:inline-flex}.site-nav{align-items:stretch;background:var(--white);border-top:1px solid var(--line);display:none;flex-direction:column;gap:0;order:3;padding:10px 0 0;width:100%}.site-nav.open{display:flex}.site-nav a{border-bottom:1px solid var(--line);flex:0 0 auto;font-size:.9rem;padding:12px 4px}.site-nav .nav-cta{margin-top:8px;padding:11px 14px;text-align:center}.hero{flex-direction:column;min-height:auto;padding-bottom:70px;padding-top:70px}.hero-badge{align-self:flex-start}.audience-grid,.client-story-grid,.content-grid,.sam-section,.contact-layout,.about-layout,.about-moments,.resource-grid,.calculator-layout,.phd-credit-callout,.page-photo-feature,.closing-photo-grid,.physician-benefit-grid,.scenario-grid,.article-card-grid,.review-excerpts,.form-two-column{grid-template-columns:1fr}.physician-quick-cta,.physician-final-cta{align-items:flex-start;flex-direction:column}.physician-cta-actions,.physician-final-cta>div:last-child{align-items:start;min-width:0;text-align:left}.comparison-row{grid-template-columns:1fr;padding:16px 18px}.comparison-row>*{border:0;padding:4px 0}.comparison-row.heading{display:none}.comparison-row strong{margin-bottom:3px}.comparison-row span:before{color:var(--gold);content:"Doctor Loan: ";font-size:.72rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase}.comparison-row span:last-child:before{content:"Conventional: "}.client-story-grid img{height:260px}.page-photo-feature img,.page-photo-feature.reverse img{border-radius:7px 7px 0 0;min-height:260px;order:1}.page-photo-feature>div,.page-photo-feature.reverse>div{border-radius:0 0 7px 7px;order:2;padding:28px 24px}.phd-credit-callout{gap:28px;padding:30px 24px}.calculator-results{position:static}.review-panel{align-items:flex-start;flex-direction:column;padding-bottom:64px}.review-panel.compact{margin-left:24px;margin-right:24px;padding:28px 24px}.client-gallery{grid-auto-rows:285px;grid-template-columns:1fr}.client-gallery figure.wide{grid-column:auto}.closing-photo-grid img{height:280px}.sam-card{grid-template-columns:minmax(0,1fr) 120px;padding:28px}.sam-photo{height:120px;width:120px}.about-photo{max-width:240px}.about-moment img{height:360px}.steps,.site-footer{grid-template-columns:1fr}}@media(max-width:430px){.hero h1{font-size:2.7rem}.calculator-form-grid,.steps,.form-two-column{grid-template-columns:1fr}.article-next{align-items:flex-start;flex-direction:column}}
