:root{--forest:#15342e;--forest-dark:#0d2722;--cream:#fffaf1;--paper:#fffdf8;--coral:#e65e38;--peach:#ffb28f;--text:#273a35;--muted:#6b6a62;--line:#ddd4c6}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--cream);color:var(--text);font-family:Arial,Helvetica,sans-serif;line-height:1.55;overflow-x:hidden}
img{display:block;max-width:100%}a{color:inherit}.wrap{width:min(1200px,calc(100% - 40px));margin:auto}
h1,h2,h3{font-family:Georgia,serif;font-weight:400}h2{margin:0 0 20px;color:var(--forest);font-size:clamp(35px,4vw,51px);line-height:1.06;letter-spacing:-.025em}
.trustbar{background:var(--forest-dark);color:#fff;font-size:12px}.trustbar .wrap{min-height:38px;display:flex;align-items:center;justify-content:space-between;gap:20px}.trustbar strong{color:var(--peach)}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,250,241,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}
.site-header .wrap{height:76px;display:flex;align-items:center;gap:26px}
.logo{margin-right:auto;text-decoration:none;font:26px/1 Georgia,serif;color:var(--forest)}.logo small{display:block;margin-top:7px;font:700 9px/1 Arial,sans-serif;letter-spacing:.2em;text-transform:uppercase;color:var(--coral)}
.nav{display:flex;align-items:center;gap:23px}.nav a{font-size:13px;font-weight:700;text-decoration:none}.nav a:hover{color:var(--coral)}.nav-toggle{display:none;border:0;background:transparent;color:var(--forest);padding:8px}
.apex-cta-group{display:flex;align-items:center;gap:8px}.apex-cta{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:9px 14px;text-decoration:none;font-size:12px;font-weight:800;white-space:nowrap}.apex-cta--schedule{border:2px solid var(--forest)}.apex-cta--apply{background:var(--coral);border:2px solid var(--coral);color:#fff}.apex-cta__short{display:none}.header__apply-wrap{display:flex;flex-direction:column;align-items:center}.header__apply-sub{font-size:8px;text-transform:uppercase;letter-spacing:.08em;color:#7e6b4b;margin-top:2px}
.hero{position:relative;min-height:625px;background:var(--forest)}.hero-image{position:absolute;inset:0 0 0 34%;background:linear-gradient(90deg,var(--forest),rgba(21,52,46,.7) 25%,rgba(21,52,46,.08) 62%),url('/assets/img/fha-homebuyers.jpg') center/cover}.hero-copy{position:relative;z-index:2;width:52%;padding:72px 0 145px;color:#fff}.eyebrow,.section-kicker{margin:0 0 15px;color:var(--coral);font-size:10px;font-weight:800;letter-spacing:.18em;text-transform:uppercase}.hero .eyebrow{color:var(--peach);font-size:11px}.hero h1{margin:0 0 22px;color:#fff;font-size:clamp(48px,5.2vw,76px);line-height:.98;letter-spacing:-.045em}.hero-lede{max-width:580px;margin:0 0 26px;color:#f7f1e8;font-size:19px;line-height:1.5}.hero-checks{list-style:none;padding:0;margin:0;display:grid;gap:10px;font-size:14px;font-weight:700}.hero-checks li:before{content:"✓";margin-right:10px;color:var(--peach)}
.joe-chip{position:absolute;z-index:3;left:max(20px,calc((100vw - 1200px)/2));bottom:32px;display:flex;align-items:center;gap:12px;color:#fff}.joe-chip img{width:62px;height:62px;object-fit:cover;object-position:center 18%;border:3px solid var(--cream);border-radius:50%}.joe-chip b{display:block;font:400 17px Georgia,serif}.joe-chip span{display:block;margin-top:4px;color:#d8dfdc;font-size:11px}
.plan-card{position:absolute;z-index:4;right:max(20px,calc((100vw - 1200px)/2));bottom:-78px;width:min(510px,40vw);background:var(--paper);box-shadow:0 20px 60px rgba(0,0,0,.28)}.plan-card header{padding:18px 25px;background:var(--coral);color:#fff}.plan-card header h2{margin:0;color:#fff;font-size:25px}.plan-card header p{margin:5px 0 0;font-size:12px}.plan-body{padding:22px 25px 24px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.plan-card label{display:block;margin:0 0 11px;color:#565c57;font-size:10px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.plan-card input,.plan-card select{width:100%;height:44px;margin-top:6px;padding:0 11px;border:1px solid #cfc7ba;border-radius:0;background:#fff;font:13px Arial,sans-serif}.plan-card button,.quiz__submit{width:100%;min-height:52px;border:0;background:var(--forest);color:#fff;font-size:14px;font-weight:800;cursor:pointer}.form-note{margin:10px 0 0;text-align:center;color:#777066;font-size:10px}.honeypot{position:absolute!important;left:-9999px!important}
.proof{position:relative;z-index:5;width:calc(58% - max(20px,calc((100vw - 1200px)/2)));margin-left:max(20px,calc((100vw - 1200px)/2));display:grid;grid-template-columns:1.2fr .8fr .8fr .9fr;background:#fff;border-bottom:5px solid var(--coral);box-shadow:0 12px 34px rgba(38,42,38,.12)}.proof div{min-height:94px;padding:17px 19px;border-right:1px solid #e5ded3;display:flex;flex-direction:column;justify-content:center}.proof b{display:block;color:var(--forest);font:400 23px Georgia,serif}.proof small{margin-top:5px;color:#777066;font-size:9px;letter-spacing:.12em;text-transform:uppercase}.stars{color:var(--coral);font-size:16px;letter-spacing:2px}
.section{padding:90px 0}.intro{padding-top:135px}.intro-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:7vw}.intro-rule{width:60px;height:6px;margin-bottom:20px;background:var(--coral)}.intro-copy{font:18px/1.65 Georgia,serif;color:#514c43}.intro-copy p{margin:0 0 16px}.text-link{display:inline-block;margin-top:8px;padding-bottom:3px;border-bottom:3px solid var(--coral);font-weight:800;text-decoration:none;color:var(--forest)}
.joe-section{background:#efe5d5}.joe-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:6vw;align-items:center}.joe-photo{min-height:480px;background:url('/assets/img/joe-pistone.webp') center 20%/cover no-repeat}.joe-copy p{max-width:650px;color:#4f4a42;font:17px/1.65 Georgia,serif}.joe-credentials{display:flex;flex-wrap:wrap;gap:20px;margin:26px 0;font-size:12px;font-weight:800}.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.primary,.secondary{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:13px 20px;font-size:13px;font-weight:800;text-decoration:none}.primary{background:var(--coral);color:#fff}.secondary{border:2px solid var(--forest);color:var(--forest)}
.options-grid,.resources-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.option,.resource{padding:28px;background:#fff;border-top:5px solid var(--coral)}.option h3,.resource h3{margin:0 0 12px;color:var(--forest);font-size:24px;line-height:1.18}.option p{margin:0;color:#5e5b54;font-size:14px}.resource{border:1px solid var(--line);border-top:5px solid var(--coral)}.resource time{color:var(--coral);font-size:10px;font-weight:800;letter-spacing:.12em}.resource a{font-size:12px;font-weight:800}
.cities{background:var(--forest);color:#fff}.cities h2{color:#fff}.city-grid{display:grid;grid-template-columns:repeat(5,1fr);border-top:1px solid #ffffff40;border-left:1px solid #ffffff40}.city-grid a{padding:18px 16px;border-right:1px solid #ffffff40;border-bottom:1px solid #ffffff40;color:#fff;text-decoration:none;font-size:13px;font-weight:700}.city-grid a:hover{background:var(--coral)}
.faq-list{max-width:900px}.faq-list details{border-top:1px solid #cfc7ba}.faq-list details:last-child{border-bottom:1px solid #cfc7ba}.faq-list summary{padding:22px 42px 22px 0;cursor:pointer;color:var(--forest);font:400 19px Georgia,serif;position:relative;list-style:none}.faq-list summary:after{content:"+";position:absolute;right:6px;color:var(--coral)}.faq-answer{padding:0 0 22px;max-width:760px;color:#5d5951;font-size:14px}
.quiz{background:#fff}.quiz-shell{max-width:880px;margin:auto;padding:42px;border:1px solid var(--line);border-top:6px solid var(--coral)}.quiz__progress{height:8px;background:#eee7dc;margin-bottom:26px}.quiz__progress-bar{height:100%;background:var(--coral)}.quiz__counter{margin-bottom:12px;color:var(--coral);font-size:10px;font-weight:800;letter-spacing:.14em;text-transform:uppercase}.quiz__q{margin-bottom:25px;color:var(--forest);font:400 30px Georgia,serif}.quiz__options{display:grid;grid-template-columns:1fr 1fr;gap:10px}.quiz__option{min-height:52px;padding:12px 16px;border:1px solid #cfc7ba;background:#fff;color:var(--forest);font-size:13px;font-weight:700;text-align:left;cursor:pointer}.quiz__option:hover{background:var(--forest);color:#fff}.quiz__phone{display:none}.quiz__phone.active{display:block}.quiz__phone input{width:100%;height:50px;margin-bottom:10px;padding:0 14px;border:1px solid #cfc7ba}.quiz__back{margin-top:18px;border:0;background:transparent;color:#777;font-weight:700}.quiz__msg{min-height:22px;margin-top:12px;color:var(--coral);font-size:13px}
.final{padding:82px 0;text-align:center;background:var(--coral);color:#fff}.final h2{color:#fff}.final .primary{background:var(--forest-dark)}
.site-footer{padding:58px 0 36px;background:var(--forest-dark);color:#d6dfdb}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:35px}.footer-grid h3{margin:0 0 14px;color:var(--peach);font:800 10px Arial;letter-spacing:.14em;text-transform:uppercase}.footer-grid a{display:block;margin-bottom:8px;color:#e7ecea;font-size:12px;text-decoration:none}.footer-brand{margin-bottom:12px;color:#fff;font:24px Georgia,serif}.footer-grid p{font-size:12px}.compliance{margin-top:34px;padding-top:22px;border-top:1px solid #ffffff24;font-size:10px;line-height:1.7}
@media(max-width:1040px){.nav{display:none;position:absolute;top:76px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--cream)}.nav.open{display:flex}.nav a{padding:14px 20px;border-top:1px solid var(--line)}.nav-toggle{display:block}.plan-card{width:42vw}.city-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:820px){.trustbar .wrap span:last-child{display:none}.site-header .wrap{gap:10px}.logo{font-size:21px}.apex-cta--schedule,.header__apply-sub{display:none}.hero-image{inset:0;background:linear-gradient(90deg,#15342eea,#15342e7a),url('/assets/img/fha-homebuyers.jpg') center/cover}.hero-copy{width:100%;padding:55px 0 235px}.plan-card{position:relative;right:auto;bottom:auto;width:calc(100% - 40px);margin:-185px 20px 0}.joe-chip{display:none}.proof{width:calc(100% - 40px);margin:0 20px;grid-template-columns:1fr 1fr}.intro{padding-top:75px}.intro-grid,.joe-grid{grid-template-columns:1fr}.joe-photo{min-height:500px}.options-grid,.resources-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.wrap{width:calc(100% - 28px)}.trustbar{font-size:10px}.site-header .wrap{height:68px}.logo{font-size:19px}.logo small{font-size:7px}.apex-cta__full{display:none}.apex-cta__short{display:inline}.nav{top:68px}.hero h1{font-size:42px}.hero-copy{padding:44px 0 220px}.hero-lede{font-size:16px}.plan-card{width:calc(100% - 24px);margin:-175px 12px 0}.field-grid{grid-template-columns:1fr}.proof{width:calc(100% - 24px);margin:0 12px}.proof div{min-height:84px;padding:13px}.proof b{font-size:19px}.intro{padding-top:62px}.section{padding:64px 0}.joe-photo{min-height:390px}.city-grid,.footer-grid{grid-template-columns:1fr}.quiz-shell{padding:28px 18px}.quiz__options{grid-template-columns:1fr}}

/* Approved 2026 human-first FHA homepage direction */
:root{--forest:#0c2544;--forest-dark:#071b32;--cream:#f7f2e8;--paper:#fffdf8;--coral:#ad5034;--peach:#d6b66f;--text:#24364a;--muted:#6b6963;--line:#d9d1c3}
.approved-hero{min-height:650px;background:#e9dfcf;overflow:hidden}
.approved-hero .hero-image{inset:0;background:linear-gradient(90deg,rgba(247,242,232,.98) 0%,rgba(247,242,232,.91) 32%,rgba(247,242,232,.18) 65%,rgba(12,37,68,.1) 100%),url('/assets/img/fha-homebuyers.jpg') center 48%/cover no-repeat}
.approved-hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1.1fr) 350px;gap:70px;align-items:center;min-height:650px;padding-top:45px;padding-bottom:45px}
.approved-hero .hero-copy{width:auto;padding:30px 0;color:var(--forest)}
.approved-hero .eyebrow{color:var(--coral);font-size:10px}
.approved-hero h1{max-width:700px;margin-bottom:22px;color:var(--forest);font-size:clamp(54px,5.5vw,82px);line-height:.98}
.approved-hero .hero-lede{max-width:610px;margin-bottom:28px;color:#29384b;font-size:21px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:35px}.hero-actions .primary{background:var(--forest)}.hero-actions .secondary{background:rgba(255,253,248,.8)}
.hero-proof{display:flex;align-items:stretch;gap:0}.hero-proof span{min-width:135px;padding:4px 26px 4px 0;margin-right:26px;border-right:1px solid #bdb29e}.hero-proof span:last-child{border:0}.hero-proof b{display:block;color:var(--forest);font:400 31px/1 Georgia,serif}.hero-proof small{display:block;margin-top:6px;color:#5e625f;font-size:9px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}
.advisor-card{align-self:center;background:rgba(255,253,248,.96);border:10px solid rgba(255,253,248,.86);box-shadow:0 20px 55px rgba(7,27,50,.18)}.advisor-card img{width:100%;height:370px;object-fit:cover;object-position:center 18%;filter:grayscale(1)}.advisor-card>div{padding:18px 16px 14px;text-align:center;border:1px solid var(--line);border-top:0}.advisor-card strong{display:block;color:var(--forest);font:400 20px Georgia,serif}.advisor-card span{display:block;margin-top:4px;color:#6b6963;font-size:10px;letter-spacing:.12em;text-transform:uppercase}.advisor-card p{margin:15px 0 0;padding-top:14px;border-top:1px solid #c9b680;color:#3d454d;font:16px/1.4 Georgia,serif}
.review-ribbon{background:var(--coral);color:#fff}.review-ribbon .wrap{min-height:126px;display:grid;grid-template-columns:1.4fr .6fr;gap:50px;align-items:center}.review-ribbon strong{display:block;margin-top:7px;font:400 23px Georgia,serif}.review-ribbon .stars{color:#f1d58f}.review-ribbon p{margin:0;padding-left:35px;border-left:1px solid #ffffff65;font:19px/1.45 Georgia,serif}
.journey{padding:74px 0 86px;text-align:center;background:var(--paper)}.journey h2{margin-bottom:10px}.journey-lede{margin:0 auto 30px;color:#6b6963}.journey-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;text-align:left}.journey-grid a{position:relative;display:grid;grid-template-columns:48px 1fr;column-gap:16px;padding:25px;background:#fff;border:1px solid var(--line);text-decoration:none;transition:.2s ease}.journey-grid a:hover{transform:translateY(-3px);border-color:var(--peach);box-shadow:0 12px 30px rgba(12,37,68,.09)}.journey-grid span{grid-row:1/3;display:flex;width:48px;height:48px;align-items:center;justify-content:center;border-radius:50%;background:#e4e6db;color:var(--forest);font-size:11px;font-weight:800}.journey-grid strong{color:var(--forest);font:400 21px Georgia,serif}.journey-grid small{margin-top:5px;color:#666b68;font-size:12px;line-height:1.45}
.intro{padding-top:90px}
@media(max-width:980px){.approved-hero-grid{grid-template-columns:1fr 290px;gap:35px}.advisor-card img{height:330px}.approved-hero h1{font-size:58px}.journey-grid{grid-template-columns:1fr}}
@media(max-width:760px){.approved-hero{min-height:0}.approved-hero .hero-image{background:linear-gradient(180deg,rgba(247,242,232,.94),rgba(247,242,232,.78)),url('/assets/img/fha-homebuyers.jpg') center/cover}.approved-hero-grid{display:block;min-height:0;padding:50px 0}.approved-hero .hero-copy{padding:0}.approved-hero h1{font-size:48px}.advisor-card{max-width:360px;margin:35px auto 0}.hero-proof{flex-wrap:wrap;gap:18px}.hero-proof span{min-width:105px;margin:0;padding-right:18px}.review-ribbon .wrap{display:block;padding-top:28px;padding-bottom:28px}.review-ribbon p{margin-top:20px;padding:18px 0 0;border-left:0;border-top:1px solid #ffffff65}.journey{padding:60px 0}.intro{padding-top:65px}}
@media(max-width:480px){.approved-hero h1{font-size:42px}.approved-hero .hero-lede{font-size:17px}.hero-actions{display:grid}.hero-actions a{width:100%}.hero-proof b{font-size:25px}.advisor-card img{height:320px}.journey-grid a{padding:20px}}