@import"https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Playfair+Display:wght@600;700&display=swap";:root{--navy:#163a63;--navy-deep:#071f3d;--gold:#b31942;--gold-light:#edf4fb;--cream:#f6f8fb;--ink:#10233d;--slate:#53677f;--line:#9fb2c8;--white:#fff;--teal:#2f5f91;--pink:#d62839;--blue:#4c78a8;--red:#b31942;--black:#071426}*{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:24px;justify-content:space-between;padding:14px 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:.9rem;height:38px;justify-content:center;letter-spacing:.03em;width:38px}.brand-name{color:var(--navy);font-size:1.02rem;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{align-items:start;background:linear-gradient(115deg,var(--navy-deep),var(--navy));color:var(--white);display:grid;gap:44px 56px;grid-template-columns:minmax(0,1fr) auto;justify-content:space-between;min-height:410px;padding:82px 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(2.35rem,4.8vw,4.35rem);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}.service-map-card{background:var(--white);border:2px solid var(--black);border-radius:4px;box-shadow:9px 9px 0 var(--pink);color:var(--ink);grid-column:1 / -1;justify-self:center;padding:24px;transform:rotate(-.25deg);width:90%}.service-map-heading{align-items:end;display:flex;gap:14px;justify-content:space-between}.service-map-heading .eyebrow{flex:0 0 auto;font-size:.62rem;margin:0}.service-map-heading h2{font-size:clamp(1.5rem,3vw,2.5rem);margin:0;text-align:right}.service-map{background:#e8f0f8;border:2px solid var(--black);display:block;margin-top:14px;width:100%}.service-map-state{stroke:var(--black);stroke-linejoin:round;stroke-width:1.35;transition:filter .15s ease,opacity .15s ease}.service-map-state.available{fill:var(--teal)}.service-map-state.unavailable{fill:url(#unavailable-state-hatch)}.service-map-state:hover{filter:brightness(1.08)}.service-map-legend{align-items:center;color:var(--slate);display:flex;flex-wrap:wrap;font-size:.68rem;font-weight:800;gap:8px 18px;justify-content:center;margin-top:11px;text-transform:uppercase}.service-map-legend span{align-items:center;display:inline-flex;gap:7px}.legend-swatch{border:1px solid var(--black);display:inline-block;height:13px;width:19px}.legend-swatch.available{background:var(--teal)}.legend-swatch.unavailable{background:repeating-linear-gradient(55deg,#d7dee8 0 4px,var(--red) 4px 7px)}.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:#b9cce1}.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:68px 0 62px}.page-hero .hero-lede{max-width:760px}.phd-key-note{background:var(--gold-light);border:1px solid #adc4dd;border-radius:7px;margin-top:52px;max-width:900px;padding:30px 46px;text-align:center}.phd-key-note .eyebrow{margin-bottom:8px}.phd-key-note h2{font-size:clamp(1.55rem,2.7vw,2.25rem)}.phd-key-note>p:last-child{color:var(--slate);margin:0 auto;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}.quickstart-checklist{margin-bottom:0;margin-top:68px}.quickstart-heading{align-items:end;display:grid;gap:28px;grid-template-columns:minmax(0,.9fr) minmax(320px,1.1fr)}.quickstart-heading h2{margin-bottom:0}.quickstart-heading>p{color:var(--slate);margin:0}.quickstart-grid{display:grid;gap:16px;grid-template-columns:repeat(2,minmax(0,1fr));margin-top:30px}.quickstart-item{align-items:flex-start;background:var(--white);border:2px solid var(--black);border-radius:4px;box-shadow:6px 6px 0 var(--teal);cursor:pointer;display:flex;gap:15px;min-height:128px;padding:22px}.quickstart-item:nth-child(2n){box-shadow:6px 6px 0 var(--pink)}.quickstart-item input{accent-color:var(--pink);box-shadow:none;flex:0 0 auto;height:24px;margin:1px 0 0;width:24px}.quickstart-item span{display:grid;gap:7px}.quickstart-item strong{color:var(--navy);font-family:Trebuchet MS,Arial Black,sans-serif;font-size:1.04rem;line-height:1.25}.quickstart-item small{color:var(--slate);font-size:.84rem;line-height:1.55}.quickstart-footer{align-items:center;background:var(--gold-light);border:2px solid var(--black);border-radius:4px;display:flex;gap:28px;justify-content:space-between;margin-top:28px;padding:22px 24px}.quickstart-footer p{color:var(--slate);font-size:.84rem;margin:0;max-width:800px}.quickstart-footer .button{flex:0 0 auto}.quickstart-page{padding-bottom:90px}.quickstart-directory{display:flex;flex-wrap:wrap;gap:18px;padding-top:52px}.quickstart-directory+.quickstart-checklist{margin-top:58px}.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}.doctor-credit-emphasis{color:var(--ink)!important;margin-top:0;text-decoration:underline;text-decoration-color:var(--red);text-decoration-thickness:2px;text-underline-offset:4px}.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}.doctor-loan-summary{background:linear-gradient(135deg,var(--navy-deep),var(--navy));border-left:5px solid var(--gold);border-radius:7px;color:var(--white);padding:38px 42px}.doctor-loan-summary h2{color:var(--white);max-width:880px}.doctor-loan-summary>p:not(.eyebrow){color:#ffffffd1;max-width:920px}.doctor-loan-summary .small-note{color:#ffffffa3!important;margin-bottom:0}.physician-faq{padding-bottom:80px}.phd-faq{padding-top:68px}.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:8px;box-shadow:0 18px 45px #0b213514;margin:0 auto 68px;overflow:hidden;padding:0}.program-chart-heading{background:linear-gradient(135deg,var(--navy-deep),var(--navy));padding:30px 34px 26px}.program-chart-heading h2{color:var(--white);font-size:clamp(1.7rem,2.7vw,2.35rem);margin-bottom:10px}.program-chart-heading p:not(.eyebrow){color:#ffffffc2;margin:0}.program-table-scroll{overflow-x:auto}.program-table{border-collapse:separate;border-spacing:0;color:var(--ink);font-family:DM Sans,system-ui,sans-serif;min-width:760px;text-align:center;width:100%}.program-table th,.program-table td{border-bottom:1px solid var(--line);border-right:1px solid var(--line);padding:17px 15px;vertical-align:middle}.program-table th:last-child,.program-table td:last-child{border-right:0}.program-table tbody tr:last-child th,.program-table tbody tr:last-child td{border-bottom:0}.program-table thead th{background:#e1eaf4;color:var(--navy);font-size:.78rem;font-weight:800;letter-spacing:.035em;line-height:1.3;text-transform:uppercase}.program-table thead th:first-child{background:var(--navy);color:var(--white);text-align:left}.program-table tbody th{background:#f5f8fc;color:var(--navy);font-size:1rem;font-weight:800;text-align:left;white-space:nowrap}.program-table tbody td{color:var(--slate);font-size:.92rem;font-weight:600}.program-table .fico-720{background:#f8dce3;border-left:2px solid var(--red);border-right:2px solid var(--red);color:var(--navy-deep)}.program-table thead .fico-720{background:var(--red);border-top:2px solid var(--red);color:var(--white);font-size:.9rem}.program-table tbody tr:last-child .fico-720{border-bottom:2px solid var(--gold)}.program-table td.fico-720 strong{display:block;font-size:1.12rem}.program-table td.fico-720 span{color:#7f1932;display:block;font-size:.72rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase}.program-chart-note{background:var(--gold-light);border-top:1px solid #b9cce1;color:var(--navy);margin:0;padding:18px 34px}.program-chart>.small-note{color:var(--slate);margin:0;padding:15px 34px 20px}.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)}.process-section{padding-bottom:95px;padding-top:72px}.process-heading{margin:0 auto 38px;max-width:720px;text-align:center}.process-heading h2{font-size:clamp(1.9rem,3vw,2.7rem)}.process-heading>p:last-child{color:var(--slate);margin:0 auto;max-width:650px}.process-flow{height:820px;margin:0 auto;max-width:820px;position:relative}.process-arrows{height:100%;inset:0;overflow:visible;pointer-events:none;position:absolute;width:100%;z-index:0}.process-arrows path:not(:first-child),.process-arrows>path{fill:none;marker-end:url(#flow-arrow);stroke:var(--gold);stroke-linecap:round;stroke-width:4}.process-arrows marker path{fill:var(--gold)}.process-center{align-items:center;background:var(--navy-deep);border:7px solid var(--gold-light);border-radius:50%;box-shadow:0 0 0 2px var(--gold);color:var(--white);display:flex;flex-direction:column;height:148px;justify-content:center;left:50%;position:absolute;text-align:center;top:50%;transform:translate(-50%,-50%);width:148px;z-index:2}.process-center strong{color:var(--gold-light);display:block;font-family:Playfair Display,serif;font-size:2.8rem;line-height:.9}.process-center span{display:block;font-size:.72rem;font-weight:800;letter-spacing:.14em;line-height:1.2;margin-top:3px;text-transform:uppercase}.process-center small{color:#ffffffb8;display:block;font-size:.66rem;line-height:1.3;margin-top:8px}.flow-step{background:var(--white);border:1px solid var(--line);border-radius:7px;box-shadow:0 8px 20px #0b213514;padding:17px;position:absolute;width:220px;z-index:2}.flow-step-top{align-items:center;display:flex;justify-content:space-between;margin-bottom:8px}.flow-number{color:var(--gold);font-family:Playfair Display,serif;font-size:1.35rem;font-weight:700;line-height:1}.flow-day{background:var(--gold-light);border-radius:999px;color:var(--navy);font-size:.62rem;font-weight:800;padding:5px 8px;text-transform:uppercase}.flow-step h3{font-size:1.02rem;margin-bottom:7px}.flow-step p{color:var(--slate);font-size:.72rem;line-height:1.48;margin:0}.flow-step a{color:var(--navy);font-weight:800;text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:3px}.flow-step-1{left:23%;top:0;transform:translate(-50%)}.flow-step-2{right:23%;top:0;transform:translate(50%)}.flow-step-3{right:0;top:25%}.flow-step-4{right:0;top:50%}.flow-step-5{bottom:0;right:23%;transform:translate(50%)}.flow-step-6{bottom:0;left:23%;transform:translate(-50%)}.flow-step-7{left:0;top:50%}.flow-step-8{left:0;top:25%}.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{align-items:start;display:grid;gap:24px;grid-template-areas:"booking form" "aside form";grid-template-columns:minmax(0,.82fr) minmax(0,1.18fr);padding-bottom:90px;padding-top:70px}.contact-main{display:contents}.contact-form{background:var(--white);border:1px solid var(--line);border-radius:7px;display:grid;gap:16px;grid-area:form;padding:30px}.contact-form-heading{border-bottom:1px solid var(--line);margin-bottom:4px;padding-bottom:18px}.contact-form-heading .eyebrow{margin-bottom:8px}.contact-form-heading h2{font-size:clamp(1.55rem,2.5vw,2rem);margin:0}.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 #9fb2c8;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:#f5f8fc;border:1px solid #9fb2c8;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:#e1edf8;color:#163f6b}.form-status.error{background:#fbe5e5;color:#8b1e1e}.form-status.sending{background:#e8f0f8;color:var(--navy)}.form-status span{font-size:.76rem}.contact-aside{align-self:start;background:var(--navy-deep);border-radius:7px;color:var(--white);display:block;grid-area:aside;padding:26px 30px}.contact-aside .eyebrow{margin-bottom:10px}.contact-aside h2{font-size:1.8rem;margin:0 0 8px}.contact-aside h2 a,.contact-aside strong,.contact-aside .contact-email{color:var(--white)}.contact-aside p{margin:0 0 10px}.contact-aside .small-note{color:#ffffffb3;font-size:.76rem;margin-top:16px}.contact-aside strong{color:var(--white)}.contact-email{color:var(--white);display:inline-block;font-weight:700;margin-top:2px;text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:4px}.booking-card{background:var(--gold-light);border:1px solid #adc4dd;border-radius:7px;grid-area:booking;margin-top:0;padding:30px}.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 #b9cce1;margin:0 0 25px}.payment-breakdown div{align-items:center;border-bottom:1px solid #b9cce1;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}.self-qualifier{padding-bottom:52px;padding-top:24px}.self-qualifier-heading{margin-bottom:24px;max-width:780px}.self-qualifier-heading h2{font-size:clamp(2rem,4vw,3.25rem);margin:0 0 10px}.self-qualifier-heading p:last-child{color:var(--slate);margin:0}.self-qualifier-layout{align-items:start;display:grid;gap:24px;grid-template-columns:minmax(0,1.2fr) minmax(320px,.8fr)}.self-qualifier-form,.qualifier-result{background:var(--white);border:2px solid var(--black);border-radius:4px;box-shadow:7px 7px 0 var(--teal);padding:30px}.qualifier-field-grid{display:grid;gap:18px;grid-template-columns:repeat(2,minmax(0,1fr))}.qualifier-field-grid label{min-width:0}.qualifier-field-grid input{box-sizing:border-box;width:100%}.estimated-payment-field{background:var(--gold-light);border:2px solid var(--black);grid-column:1 / -1;padding:16px}.estimated-payment-field output{color:var(--navy);font-family:Trebuchet MS,Arial Black,sans-serif;font-size:2rem;font-weight:900}.estimated-payment-field small{color:var(--slate);font-size:.72rem;font-weight:600}.qualifier-result{box-shadow:7px 7px 0 var(--pink)}.qualifier-result>strong{color:var(--navy);display:block;font-family:Trebuchet MS,Arial Black,sans-serif;font-size:clamp(1.45rem,2.5vw,2rem);line-height:1.1}.qualifier-result.qualified{background:#deebf7}.qualifier-result.review{background:var(--gold-light)}.qualifier-result.not-qualified{background:#f9e1e6}.dti-result{background:var(--navy);border:2px solid var(--black);color:var(--white);display:inline-block;font-size:1rem;font-weight:900;margin:16px 0 4px;padding:8px 11px}.qualifier-result dl{border-top:2px solid var(--black);margin:20px 0 24px}.qualifier-result dl div{align-items:center;border-bottom:1px solid rgba(17,17,17,.35);display:flex;gap:18px;justify-content:space-between;padding:9px 0}.qualifier-result dt{color:var(--slate);font-size:.82rem}.qualifier-result dd{color:var(--navy);font-weight:900;margin:0;text-align:right}.qualifier-result .cash-on-hand-result{align-items:center;display:grid;grid-template-columns:auto minmax(0,1fr) auto}.cash-on-hand-result small{color:#8f1733;font-size:.68rem;font-weight:900;line-height:1.25;text-align:center}.self-qualifier-disclaimer{background:#e8f0f8;border-left:5px solid var(--red);color:var(--slate);font-size:.78rem;line-height:1.55;margin:24px 0 0;padding:14px 18px}.calculator-disclosure{padding-bottom:90px}.calculator-disclosure h2{font-size:1.55rem}.calculator-disclosure p{color:var(--slate);font-size:.88rem;max-width:900px}@media(max-width:900px){.self-qualifier-layout{grid-template-columns:1fr}}@media(max-width:560px){.qualifier-field-grid{grid-template-columns:1fr}.estimated-payment-field{grid-column:1}.self-qualifier-form,.qualifier-result{padding:22px 18px}.qualifier-result .cash-on-hand-result{align-items:start;grid-template-columns:1fr auto}.cash-on-hand-result small{grid-column:1;text-align:left}.cash-on-hand-result dd{grid-column:2;grid-row:1 / span 2}}.quick-question-cta{background:var(--gold-light);border-top:1px solid #b9cce1;padding:38px 0}.quick-question-inner{align-items:center;display:flex;flex-direction:column;gap:12px;text-align:center}.quick-question-inner .eyebrow{margin:0}.quick-question-button{align-items:center;background:var(--navy);border-radius:5px;color:var(--white);display:inline-flex;font-family:Playfair Display,Georgia,serif;font-size:clamp(1.45rem,2.6vw,2.2rem);font-weight:700;gap:14px;justify-content:center;line-height:1.15;padding:18px 28px;transition:background .2s ease,transform .2s ease}.quick-question-button:hover{background:var(--navy-deep);transform:translateY(-2px)}.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:62px 24px}.article-width{margin-left:auto;margin-right:auto;max-width:820px}.article-hero h1{color:var(--white);font-size:clamp(2.2rem,4.2vw,3.55rem)}.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:#e8f0f8;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,.contact-main,.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}.contact-layout{grid-template-areas:"booking" "aside" "form"}.contact-aside{align-items:start;grid-template-columns:1fr}.contact-aside .eyebrow{grid-column:auto}.contact-aside .small-note{justify-self:start}.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}.doctor-loan-summary{padding:30px 24px}.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{grid-template-columns:1fr}.quick-question-inner{align-items:flex-start;flex-direction:column}.site-footer{grid-template-columns:1fr}}@media(max-width:900px){.quickstart-heading,.quickstart-grid{grid-template-columns:1fr}.quickstart-footer{align-items:flex-start;flex-direction:column}}@media(max-width:900px){.process-heading{text-align:left}.process-flow{display:grid;gap:0;height:auto;max-width:none;min-height:0}.process-arrows{display:none}.process-center{height:180px;left:auto;margin:0 auto 42px;position:relative;top:auto;transform:none;width:180px}.process-center strong{font-size:3.4rem}.flow-step,.flow-step-1,.flow-step-2,.flow-step-3,.flow-step-4,.flow-step-5,.flow-step-6,.flow-step-7,.flow-step-8{inset:auto;margin-bottom:54px;padding:24px;position:relative;transform:none;width:100%}.flow-number{font-size:1.75rem}.flow-day{font-size:.75rem;padding:6px 11px}.flow-step h3{font-size:1.3rem}.flow-step p{font-size:.88rem;line-height:1.55}.flow-step:not(.flow-step-8):after{bottom:-47px;color:var(--gold);content:"↓";font-size:2rem;font-weight:800;left:50%;position:absolute;transform:translate(-50%)}.flow-step-8{margin-bottom:0}}@media(max-width:430px){.hero h1,.page-hero h1{font-size:2.25rem}.page-hero{padding-bottom:50px;padding-top:54px}.calculator-form-grid,.steps,.form-two-column{grid-template-columns:1fr}.article-next{align-items:flex-start;flex-direction:column}}@media(max-width:430px){.phd-key-note{padding:26px 22px}}body{background-color:var(--cream);background-image:radial-gradient(circle at 8px 8px,rgba(22,58,99,.08) 2px,transparent 2.5px),radial-gradient(circle at 23px 23px,rgba(179,25,66,.045) 1.5px,transparent 2px);background-size:30px 30px}h1,h2,h3,.quick-question-button,.site-footer strong,.payment-total{font-family:Trebuchet MS,Arial Black,Arial,sans-serif;font-weight:900}h1,h2,h3{letter-spacing:-.035em}.site-header{border-bottom:5px solid transparent;border-image:linear-gradient(90deg,var(--navy) 0 33%,#f7f9fc 33% 66%,var(--red) 66%) 1;box-shadow:0 5px #07142624}.brand-mark{background:var(--navy);border:2px solid var(--black);border-radius:8px 50% 45%;box-shadow:3px 3px 0 var(--pink);color:var(--gold-light);font-family:Trebuchet MS,Arial Black,sans-serif;transform:rotate(-5deg)}.brand-name{font-weight:900;letter-spacing:.035em;text-transform:uppercase;white-space:nowrap}.site-nav{gap:10px}.site-nav a{border-radius:3px;font-size:.8rem;padding:4px;transition:background .15s ease,color .15s ease,transform .15s ease}.site-nav a:hover,.site-nav a.active{background:var(--red);color:var(--white);transform:rotate(-1deg)}.site-nav .nav-cta{background:var(--pink);border:2px solid var(--black);box-shadow:4px 4px 0 var(--teal);color:var(--white)}.menu-toggle{background:var(--red);border:2px solid var(--black);box-shadow:3px 3px 0 var(--teal);color:var(--white)}.hero,.page-hero,.article-hero{background-color:var(--navy-deep);background-image:radial-gradient(circle at 86% 28%,transparent 0 43px,var(--pink) 44px 51px,transparent 52px),linear-gradient(135deg,transparent 0 43%,rgba(76,120,168,.2) 43% 46%,transparent 46% 56%,rgba(255,255,255,.1) 56% 59%,transparent 59%),linear-gradient(120deg,var(--navy-deep),var(--navy));border-bottom:7px solid var(--teal);position:relative}.hero h1,.page-hero h1,.article-hero h1{text-shadow:4px 4px 0 rgba(179,25,66,.72)}.hero-lede{color:#ffffffeb}.eyebrow{background:var(--gold);border:2px solid var(--black);box-shadow:3px 3px 0 var(--teal);color:var(--white);display:inline-block;letter-spacing:.12em;padding:4px 9px;transform:rotate(-1deg)}.button,.quick-question-button{border:2px solid var(--black);border-radius:4px;box-shadow:5px 5px 0 var(--teal);text-transform:uppercase;transition:box-shadow .15s ease,transform .15s ease}.button:hover,.quick-question-button:hover{box-shadow:2px 2px 0 var(--teal);transform:translate(3px,3px)}.button.primary{background:var(--pink);color:var(--white)}.button.small{background:var(--navy);color:var(--white)}.text-link,.text-link.dark{color:var(--navy);text-decoration-color:var(--pink)}.hero .text-link{color:var(--gold-light)}.hero-badge{background:#071f3dc7;border:3px solid var(--gold);border-radius:50% 8px;box-shadow:7px 7px 0 var(--pink);transform:rotate(2deg)}.badge-number{color:var(--gold);font-family:Trebuchet MS,Arial Black,sans-serif;font-weight:900}.audience-card,.info-panel,.resource-card,.article-card,.flow-step,.contact-form,.booking-card,.calculator-form,.calculator-results,.faq-list details,.about-moment,.review-excerpts article{border:2px solid var(--black);border-radius:4px;box-shadow:7px 7px 0 var(--teal)}.audience-card:nth-child(2n),.article-card:nth-child(2n),.flow-step:nth-of-type(2n),.faq-list details:nth-child(2n){box-shadow:7px 7px 0 var(--pink)}.audience-card.featured,.booking-card,.calculator-results,.article-summary,.phd-credit-callout,.phd-key-note{background:var(--gold-light)}.audience-card.featured,.phd-key-note,.phd-credit-callout{border:2px solid var(--black);box-shadow:8px 8px 0 var(--pink)}.client-story-grid figure,.closing-photo-grid figure,.client-gallery figure,.page-photo-feature,.about-moment{border:2px solid var(--black);border-radius:4px;box-shadow:7px 7px 0 var(--blue)}.client-story-grid figcaption,.closing-photo-grid figcaption{background:var(--red);color:var(--white)}.sam-card,.contact-aside,.doctor-loan-summary,.physician-final-cta{background-color:var(--navy-deep);background-image:linear-gradient(135deg,transparent 0 46%,rgba(76,120,168,.2) 46% 49%,transparent 49%),linear-gradient(120deg,var(--navy-deep),var(--navy));border:2px solid var(--black);box-shadow:8px 8px 0 var(--pink)}.contact-aside p{color:#ffffffd6}.stat-card,.physician-quick-cta,.calculator-reminder,.quick-question-cta{background:var(--gold-light);border:2px solid var(--black)}.stat-card{box-shadow:8px 8px 0 var(--teal)}.physician-benefit-grid article,.scenario-grid article{border:2px solid var(--black);border-radius:4px;box-shadow:6px 6px 0 var(--teal)}.physician-benefit-grid article:nth-child(2n),.scenario-grid article:nth-child(2n){box-shadow:6px 6px 0 var(--pink)}.program-chart{border:2px solid var(--black);box-shadow:8px 8px 0 var(--pink)}.program-chart-heading{background:var(--navy)}.program-table th{background:var(--teal);color:var(--white)}.program-table .fico-720{background:#f8dce3}.program-table thead .fico-720{background:var(--red);color:var(--white)}.process-arrows>path{stroke:var(--pink)}.process-arrows marker path{fill:var(--pink)}.process-center{background:var(--navy);border-color:var(--gold);box-shadow:0 0 0 3px var(--black),7px 7px 0 var(--pink)}.flow-day{background:var(--red);border:1px solid var(--black);color:var(--white)}.flow-number{color:var(--pink)}.page-photo-feature>div{background:var(--navy)}.page-photo-feature h2,.page-photo-feature>div p:not(.eyebrow){color:var(--white)}.phd-credit-callout blockquote{color:var(--navy);font-family:Trebuchet MS,Arial Black,sans-serif}.faq-list summary{color:var(--navy)}.faq-list details[open]{background:var(--gold-light)}input,select,textarea{background:var(--white);border:2px solid var(--black);border-radius:3px;box-shadow:3px 3px #2f5f9173}input:focus,select:focus,textarea:focus{outline:3px solid var(--pink);outline-offset:2px}.human-check{background:var(--gold-light);border:2px solid var(--black)}.contact-aside .eyebrow,.sam-card .eyebrow,.doctor-loan-summary .eyebrow,.physician-final-cta .eyebrow{color:var(--black)}.quick-question-cta{border-left:0;border-right:0}.quick-question-button{background:var(--pink);color:var(--white)}.site-footer{background-color:var(--navy-deep);background-image:linear-gradient(45deg,transparent 0 46%,rgba(179,25,66,.18) 46% 50%,transparent 50%),linear-gradient(135deg,transparent 0 46%,rgba(76,120,168,.18) 46% 50%,transparent 50%);background-size:54px 54px;border-top:7px solid var(--teal)}.footer-links a{color:var(--white)}.article-summary{border:2px solid var(--black);border-left:8px solid var(--pink);box-shadow:6px 6px 0 var(--teal)}.article-disclosure{background:#e1eaf4;border:2px solid var(--black)}@media(max-width:900px){.site-nav{border-top:2px solid var(--black);box-shadow:none}.site-nav a{border-bottom:2px solid var(--line);border-radius:0;font-size:.9rem;padding:12px 4px}.site-nav .nav-cta{margin-bottom:5px}.hero h1,.page-hero h1,.article-hero h1{text-shadow:3px 3px 0 rgba(179,25,66,.72)}.hero{grid-template-columns:1fr}.hero-badge{justify-self:start}.service-map-card{grid-column:1}.flow-step:not(.flow-step-8):after{color:var(--pink)}}@media(max-width:430px){.service-map-card{padding:12px}.service-map-heading{align-items:start;display:grid}.service-map-heading h2{font-size:1.05rem;text-align:left}.service-map-legend{align-items:flex-start;flex-direction:column}}
