:root{--navy:#102842;--navy2:#183957;--red:#db493f;--cream:#f4f1e9;--ink:#13283b;--muted:#607080;--line:#dedfdc}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;color:var(--ink);font-family:'DM Sans',Arial,sans-serif}a{text-decoration:none;color:inherit}button,input,select,textarea{font:inherit}.container{width:min(1180px,calc(100% - 48px));margin:auto}.site-header{height:82px;background:#fff;position:sticky;top:0;z-index:10;border-bottom:1px solid #e8eaeb}.header-inner{display:flex;align-items:center;justify-content:space-between;height:100%;gap:24px}.brand{display:flex;align-items:center;gap:12px;white-space:nowrap}.brand-mark{width:45px;height:45px;border:2px solid var(--navy);display:grid;place-items:center;font-size:27px;font-weight:800;letter-spacing:-4px;padding-right:3px}.brand-mark span{color:var(--red)}.brand strong{display:block;letter-spacing:1.3px;font-size:17px;font-family:Manrope,sans-serif}.brand em{font-style:normal;color:var(--red)}.brand small{font-size:8.5px;letter-spacing:2px;color:#657486;font-weight:700;display:block;margin-top:4px}.nav{display:flex;align-items:center;gap:19px}.nav a{font-size:12px;font-weight:700;color:#455b6c}.nav a:hover,.text-link:hover{color:var(--red)}.header-call{background:var(--navy);color:#fff;padding:14px 17px;font-size:12px;font-weight:700;white-space:nowrap}.header-call span{margin-left:12px}.menu-toggle{display:none}.hero{background:var(--navy);position:relative;overflow:hidden;color:#fff;min-height:665px}.hero-content{padding:105px 0 95px;position:relative;z-index:2}.eyebrow{font-size:11px;font-weight:800;letter-spacing:2.5px;color:var(--red);margin-bottom:23px}.eyebrow.light{color:#ffb3aa}.hero h1,h2,h3{font-family:Manrope,sans-serif}.hero h1{font-size:clamp(48px,6vw,86px);line-height:1.07;letter-spacing:-4px;margin:0 0 23px;max-width:800px}.hero h1 span,.navy-section h2 span{color:#ffaaa2}.hero-lead{font-size:18px;line-height:1.8;color:#d6dee6;max-width:570px}.hero-actions{display:flex;gap:12px;margin-top:35px;flex-wrap:wrap}.btn{border:0;padding:17px 24px;display:inline-flex;align-items:center;justify-content:center;font-size:13px;font-weight:800;cursor:pointer;transition:transform .2s}.btn:hover{transform:translateY(-2px)}.btn-red{background:var(--red);color:#fff}.btn-outline{color:#fff;border:1px solid #b0bdc7}.btn-navy{background:var(--navy);color:#fff}.language{margin-top:55px;display:flex;gap:14px;align-items:center;color:#aebac4;font-size:10px;letter-spacing:1.5px}.language button{background:none;color:#fff;border:0;cursor:pointer;text-decoration:underline;font-size:12px}.hero-bottom{display:flex;justify-content:space-between;position:relative;z-index:2;font-size:10px;letter-spacing:2px;color:#c4d1dc;border-top:1px solid #ffffff33;padding:20px 0}.hero-art{position:absolute;inset:0 0 0 37%;opacity:.3;pointer-events:none;background:linear-gradient(120deg,transparent 30%,#335b75 100%)}.sun{position:absolute;width:400px;height:400px;border-radius:50%;background:#a2bbcc;right:6%;top:65px;filter:blur(15px);opacity:.25}.roof{position:absolute;width:500px;height:280px;border:2px solid #b0c9d8;transform:skewY(-18deg) rotate(-15deg);right:-60px;bottom:30px;box-shadow:-60px 50px 0 #789bb244}.roof-two{right:190px;bottom:-75px;transform:skewY(-13deg) rotate(-15deg);opacity:.6}.roof-three{right:380px;bottom:-140px;opacity:.5}.section{padding:105px 0}.section-light{background:#fff}.section-cream{background:var(--cream)}.split{display:grid;grid-template-columns:1fr 1fr;gap:75px;align-items:center}.gap-lg{gap:100px}.section h2{font-size:clamp(36px,4.3vw,59px);letter-spacing:-2.7px;line-height:1.16;margin:0 0 25px}.section h2 span{color:var(--red)}.section p{line-height:1.85;color:#687783;max-width:590px;font-size:15px}.text-link{font-weight:800;font-size:13px;color:var(--red);display:inline-block;margin-top:15px}.feature-card{background:var(--cream);padding:45px;min-height:365px}.feature-icon{font-size:47px;color:var(--red);margin-bottom:20px}.feature-card h3{font-size:26px;margin:8px 0}.feature-card small{display:block;margin-top:15px;color:#6e7a84;font-size:11px}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:45px;margin-bottom:35px}.section-heading h2{flex:1}.section-heading p{flex:1}.community-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.community{background:#fff;padding:26px;min-height:210px;display:flex;flex-direction:column;justify-content:space-between;transition:background .2s,color .2s}.community:hover{background:var(--navy);color:#fff}.community-no{font-size:12px;font-weight:800;color:var(--red)}.community h3{font-size:23px;margin:25px 0}.community>span:last-child{color:#8c9ba4;font-size:12px}.fineprint{font-size:11px!important;color:#87919a!important;line-height:1.6!important}.navy-section{background:var(--navy);color:#fff}.navy-section p{color:#c6d2dd}.navy-section h2 span{color:#ffaaa2}.offer-outline{border:1px solid #ffffff4d;padding:38px}.offer-outline>span{font:600 28px/1.5 Manrope,sans-serif;display:block}.offer-outline strong{color:#ffaaa2}.offer-rule{height:1px;background:#ffffff45;margin:30px 0}.offer-outline p{margin:0}.benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:45px 0 30px}.benefits>div{border-top:2px solid var(--red);padding:20px 18px;background:#f8f9fa}.benefits span{color:var(--red);font-weight:800}.benefits h3{font-size:18px}.benefits p{font-size:13px}.contact-pills{display:flex;flex-wrap:wrap;gap:9px;margin-top:25px}.contact-pills a{background:#fff;border:1px solid #d8dedf;padding:13px 16px;font-size:12px;font-weight:700}.lead-form{background:#fff;padding:38px;box-shadow:0 13px 45px #122b3d12}.lead-form h3{margin:0 0 24px;font-size:26px}.lead-form label{display:block;font-size:12px;font-weight:800;margin:17px 0 7px}.lead-form input:not([type=checkbox]),.lead-form select,.lead-form textarea{width:100%;padding:13px;border:1px solid #d7dddf;border-radius:0;background:#fafafa;color:var(--ink);outline-color:#be766e}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}.lead-form .consent{display:flex;align-items:start;gap:11px;font-size:11px;line-height:1.5;color:#647380;font-weight:400;margin:20px 0}.consent input{margin-top:2px}.full-width{width:100%}.realtor-panel{border:1px solid #ffffff44;padding:35px}.realtor-panel>span{font-size:11px;letter-spacing:2px;color:#ffaaa2}.realtor-panel p{border-bottom:1px solid #ffffff2a;padding-bottom:12px;font-size:17px;color:#fff}.realtor-panel small{color:#c6d2dd;line-height:1.6;display:block}.about{display:grid;grid-template-columns:.75fr 1.25fr;gap:85px;align-items:center}.portrait-card{background:#f5f6f8;border:10px solid #e9edef;padding:16px;box-shadow:0 14px 40px #122b3d14;text-align:center}.portrait-image{display:block;width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;object-position:center top}.portrait-caption{font:800 15px Manrope,sans-serif;letter-spacing:2px;color:#102842;margin-top:16px}.portrait-card small{display:block;margin-top:8px;font-size:11px;color:#64717d;line-height:1.6}.signature{font:800 13px Manrope,sans-serif;letter-spacing:2px;margin:30px 0}.footer{background:#0b1d30;color:#fff;padding:50px 0 28px}.footer-top{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;border-bottom:1px solid #ffffff27;padding-bottom:38px}.footer-top>a{font-size:12px}.footer .brand-mark{border-color:#fff}.footer .brand small{color:#aab7c1}.footer-bottom{display:flex;justify-content:space-between;gap:40px;padding-top:25px}.footer-bottom p{font-size:10px;line-height:1.8;max-width:850px;color:#a6b4c1}.footer-bottom a{font-size:11px;white-space:nowrap;color:#ccd8e3}@media(max-width:1050px){.nav{gap:10px}.nav a{font-size:11px}.header-call{display:none}.split{gap:45px}}@media(max-width:820px){.site-header{height:72px}.menu-toggle{display:flex;align-items:center;gap:7px;background:transparent;border:0;font-weight:700;color:var(--navy)}.nav{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;padding:22px 24px;box-shadow:0 20px 22px #142d3a19;flex-direction:column;align-items:start}.nav.open{display:flex}.nav a{font-size:15px;padding:5px}.split,.about{grid-template-columns:1fr}.section-heading{display:block}.community-grid{grid-template-columns:repeat(2,1fr)}.hero{min-height:auto}.hero-content{padding:86px 0 75px}.hero h1{letter-spacing:-2px}.hero-art{left:15%}.section{padding:70px 0}.benefits{grid-template-columns:1fr}.footer-bottom{display:block}}@media(max-width:520px){.container{width:min(100% - 32px,1180px)}.brand-mark{width:39px;height:39px}.brand strong{font-size:15px}.brand small{font-size:7px}.hero h1{font-size:48px}.hero-lead{font-size:16px}.hero-bottom{font-size:8px;gap:20px}.community-grid{grid-template-columns:1fr}.community{min-height:165px}.form-row{grid-template-columns:1fr}.lead-form{padding:23px}.feature-card{padding:28px}.about{gap:35px}.portrait-card{padding:12px}.footer-top{align-items:start;flex-direction:column}}

/* DavidSWFL v2 promotions and Red Tag */
.hero-promo{position:relative;z-index:3;display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:18px}.hero-promo a{background:#fff;color:#152f4c;border-top:4px solid #dd4538;padding:18px 17px;font-size:12px;font-weight:800;letter-spacing:.4px}.hero-promo strong{display:block;color:#bf3a30;font-size:11px;margin-top:9px}.redtag-section{background:#a52724;color:white}.redtag-top{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:36px}.redtag-kicker{font-size:12px;letter-spacing:2px;font-weight:800}.verification-pill{font-size:10px;border:1px solid #ffffff85;border-radius:20px;padding:10px 14px;letter-spacing:.7px}.redtag-layout{display:grid;grid-template-columns:1.2fr .8fr;gap:55px;align-items:center}.redtag-flag{display:inline-block;padding:10px 16px;background:white;color:#ac2925;font-weight:900;letter-spacing:3px;font-size:15px;margin-bottom:22px}.redtag-section h2{font-size:clamp(39px,5vw,66px);line-height:1.06}.redtag-section h2 span{color:#ffdcbd}.redtag-section p{color:#f9e6e3}.event-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:23px}.btn-light{background:white;color:#a52724}.redtag-panel{background:#fff;color:#172a3a;padding:34px;box-shadow:0 18px 50px #3f06053d}.panel-overline{font-size:11px;font-weight:900;color:#b12d27;letter-spacing:2px}.panel-row{padding:17px 0;border-bottom:1px solid #e2e4e5}.panel-row b{display:block;font-size:15px}.panel-row span{font-size:12px;color:#6c7a84}.redtag-panel p{font-size:11px;color:#74818c;margin-top:22px}.redtag-footer{border-top:1px solid #ffffff55;margin-top:38px;padding-top:22px;font-size:13px}.redtag-footer a{font-weight:800;text-decoration:underline}.promo-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.promo-card{padding:29px;background:#f5f4f0;border:1px solid #e7e6e2;min-height:300px;display:flex;flex-direction:column}.promo-number{font-size:11px;font-weight:800;letter-spacing:2px;color:#c64136}.promo-card h3{font-size:23px;margin:20px 0 5px}.promo-card p{font-size:13px}.promo-card a{margin-top:auto;padding-top:20px;color:#bb4036;font-size:13px;font-weight:800}.promo-note{background:#f8eee9;border-left:4px solid #c64235;padding:20px;margin-top:24px;font-size:12px;line-height:1.6}.special-highlights{border:1px solid #ffffff5c;padding:36px}.special-highlights h3{font-size:25px}.special-highlights p{color:#fff;font-size:14px;border-bottom:1px solid #ffffff26;padding-bottom:7px}.faq-list{max-width:940px;margin:35px auto 0}.faq-list details{border-bottom:1px solid #d9e0e4;padding:19px 0}.faq-list summary{cursor:pointer;font-size:17px;font-weight:800}.faq-list details p{font-size:14px}.special-banner h2 span{color:#ffaaa2}@media(max-width:820px){.hero-promo,.promo-grid{grid-template-columns:repeat(2,1fr)}.redtag-layout{grid-template-columns:1fr}.redtag-top{align-items:start;flex-direction:column}}@media(max-width:570px){.hero-promo,.promo-grid{grid-template-columns:1fr}.redtag-panel{padding:24px}.redtag-section h2{font-size:40px}.redtag-top{margin-bottom:22px}}

/* V4: distinctive name + prominent mobile call action */
.brand strong{font-size:15px;letter-spacing:.7px}.header-call{background:#c5252d;color:#fff;font-size:15px;padding:15px 19px;border-radius:2px;box-shadow:0 3px 0 #8f1720}.header-call span{margin-left:10px}
.reference-financing{background:#132c4e;color:white;padding:85px 0}.reference-financing h2,.success-section h2{font:900 clamp(35px,5vw,67px)/1.09 Manrope,Arial,sans-serif;letter-spacing:-2px;margin:0 0 27px}.reference-financing p,.success-section p{font-size:17px;line-height:1.8;color:#b4c4d8;max-width:790px}.rate-grid{margin:45px 0;max-width:870px}.rate-grid>div{border-top:1px solid #536882;display:grid;grid-template-columns:220px 1fr;gap:25px;padding:25px 0}.rate-grid>div:last-child{border-bottom:1px solid #536882}.rate-grid b{font:900 clamp(38px,5vw,63px)/1.1 Manrope,sans-serif}.rate-grid strong{font-size:24px;display:block}.rate-grid small{display:block;color:#b6c3d5;font-size:16px;margin-top:17px}.highlight-rate{border-left:6px solid #f46f72;padding-left:20px!important;background:#ffffff0b}.highlight-rate>b{color:#ff9699}.reference-note{border-left:3px solid #f39b9a;padding-left:16px;max-width:820px;color:#e4bebe;font-size:12px;line-height:1.8;margin:0 0 24px}.success-stats{display:grid;grid-template-columns:repeat(3,1fr);margin-top:40px;background:#26569c}.success-stats>div{padding:35px;border-right:1px solid #ffffff35}.success-stats b{font:900 36px Manrope,sans-serif;display:block}.success-stats span{font-size:12px;letter-spacing:1px;color:#d7e5f6}.redtag-section h2 span{font-size:.47em;line-height:1.3;display:block;margin-top:15px}
@media(max-width:1080px){.site-header .brand strong{font-size:12px}.nav{gap:8px}.nav a{font-size:10px}.header-call{padding:14px 11px}}@media(max-width:820px){.header-inner{gap:9px}.header-call{display:inline-flex;font-size:13px;padding:12px 10px;order:2}.menu-toggle{order:3}.brand{margin-right:auto}.brand small{font-size:7px}.rate-grid>div{grid-template-columns:150px 1fr}.success-stats{grid-template-columns:1fr}.success-stats>div{border-bottom:1px solid #ffffff35}}
@media(max-width:520px){.brand-mark{width:31px;height:34px;font-size:20px}.brand{gap:6px}.brand strong{font-size:10px!important;letter-spacing:0}.brand small{font-size:6px;letter-spacing:.5px}.header-call{font-size:12px;min-width:92px;justify-content:center;text-align:center;padding:12px 7px}.header-call span{margin-left:5px}.menu-toggle{font-size:20px}.menu-toggle span{display:none}.rate-grid>div{grid-template-columns:1fr;gap:6px}.rate-grid strong{font-size:20px}.reference-financing{padding:65px 0}}