:root{--pp-ivory:#fcfaf5;--pp-navy:#163a4a;--pp-teal:#2f8583;--pp-gold:#b58b4d;--pp-yellow:#f4c542;--pp-yellow-hover:#ddaf2b;--pp-ink:#26363e;--pp-line:rgba(22,58,74,.15);--pp-shadow:0 18px 46px rgba(8,34,52,.1)}
*{box-sizing:border-box}body{margin:0;background:var(--pp-ivory);color:var(--pp-ink);font-family:Inter,Arial,sans-serif}.container{width:min(calc(100% - 32px),1120px);margin:auto}a{color:inherit;text-decoration:none}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;z-index:100;background:#fff;padding:12px}.site-header{position:sticky;top:0;z-index:20;background:rgba(252,250,245,.96);border-bottom:1px solid var(--pp-line);backdrop-filter:blur(10px)}.nav{min-height:84px;display:flex;align-items:center;justify-content:space-between;gap:24px}.wordmark{display:block;width:min(260px,46vw);height:auto}.nav-links{display:flex;align-items:center;gap:20px}.nav-links a{font-size:.9rem}.nav-cta,.gold-btn{display:inline-flex;justify-content:center;align-items:center;min-height:48px;padding:13px 22px;border:0;border-radius:999px;background:var(--pp-yellow);color:var(--pp-navy)!important;font-weight:850;cursor:pointer;transition:.18s}.nav-cta:hover,.gold-btn:hover{background:var(--pp-yellow-hover);transform:translateY(-1px)}.nav-toggle{display:none;border:0;background:transparent;color:var(--pp-navy);font-size:1.5rem}.hero{padding:84px 0;background:linear-gradient(110deg,rgba(252,250,245,.98),rgba(252,250,245,.88)),url('generated/calm-waters-v2/cw-housing-guidance-light-blue.webp') center/cover}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:42px;align-items:center}.eyebrow{color:var(--pp-teal);text-transform:uppercase;letter-spacing:.13em;font-weight:900;font-size:.78rem}.hero h1,.section-title{font-family:'Playfair Display',Georgia,serif;color:var(--pp-navy);line-height:1.04}.hero h1{font-size:clamp(3rem,6vw,5.4rem);margin:14px 0 20px;letter-spacing:-.04em}.hero .lead{font-size:1.15rem;line-height:1.7;color:#43565f}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.text-link{color:var(--pp-teal);font-weight:800;text-decoration:underline;text-underline-offset:4px}.value-card,.card,.application-shell{background:#fff;border:1px solid var(--pp-line);border-radius:24px;box-shadow:var(--pp-shadow)}.value-card{padding:28px}.price-row{padding:16px 0;border-bottom:1px solid var(--pp-line);display:grid;grid-template-columns:90px 1fr;gap:16px;align-items:center}.price-row:last-child{border-bottom:0}.price-row strong{font:700 2rem/1 'Playfair Display',Georgia,serif;color:var(--pp-navy)}.section{padding:76px 0}.section.alt{background:#eaf5f2}.section-head{max-width:760px;margin-bottom:34px}.section-title{font-size:clamp(2.2rem,4vw,3.7rem);margin:8px 0 14px}.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.step-card,.benefit{padding:24px;background:#fff;border:1px solid var(--pp-line);border-radius:18px}.step-num{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:#d9eff0;color:var(--pp-navy);font-weight:900}.step-card h3,.benefit h3{color:var(--pp-navy);font-size:1rem;letter-spacing:.03em}.notice{margin-top:26px;padding:20px;border-left:4px solid var(--pp-gold);background:#fff6ce;border-radius:8px;color:var(--pp-navy)}.benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.application-shell{padding:clamp(20px,4vw,44px)}.progress-label{display:flex;justify-content:space-between;color:var(--pp-navy);font-weight:850}.progress{height:9px;margin:10px 0 34px;border-radius:20px;background:#dcebea;overflow:hidden}.progress span{display:block;width:20%;height:100%;background:var(--pp-teal);transition:width .2s}.form-step{display:none}.form-step.active{display:block}.form-step h3{font:600 2rem/1.15 'Playfair Display',Georgia,serif;color:var(--pp-navy)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field.full{grid-column:1/-1}.field label,.legend{display:block;margin-bottom:7px;color:var(--pp-navy);font-weight:800}.field input,.field select,.field textarea{width:100%;min-height:49px;padding:12px 13px;border:1px solid #aab9bd;border-radius:10px;background:#fff;color:var(--pp-ink);font:inherit}.field textarea{min-height:120px;resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid rgba(47,133,131,.22);border-color:var(--pp-teal)}.choices{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.choice{display:flex;align-items:flex-start;gap:10px;padding:12px;border:1px solid var(--pp-line);border-radius:10px;background:#fff}.choice input{width:20px;height:20px;flex:0 0 auto}.conditional{display:none;padding:18px;background:#f6f0e4;border-radius:12px}.conditional.show{display:grid}.form-actions{display:flex;justify-content:space-between;gap:12px;margin-top:28px}.back-btn{border:1px solid var(--pp-navy);color:var(--pp-navy);background:#fff;min-height:48px;padding:12px 22px;border-radius:999px;font-weight:800;cursor:pointer}.error-summary{display:none;padding:15px;margin:0 0 20px;border:2px solid #a82828;background:#fff4f4;color:#7a1010;border-radius:10px}.error-summary.show{display:block}.fee-box{padding:24px;border:2px solid var(--pp-gold);border-radius:18px;background:#fffaf0}.legal-draft{font-size:.92rem;color:#5d4a22}.agreement{display:none;max-height:420px;overflow:auto;margin-top:14px;padding:20px;background:#f7f4ec;border:1px solid var(--pp-line);border-radius:12px}.agreement.open{display:block}.confirmation{display:none;text-align:center;padding:60px 20px}.confirmation.show{display:block}.app-id{font:700 clamp(2rem,7vw,3.7rem)/1.1 'Playfair Display',Georgia,serif;color:var(--pp-navy);margin:20px 0}.footer{padding:38px 0;background:#082234;color:rgba(255,255,255,.75)}.footer-row{display:flex;justify-content:space-between;gap:22px}.footer a{color:#fff}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}
@media(max-width:920px){.nav-toggle{display:block}.nav-links{display:none;position:absolute;top:84px;left:0;right:0;padding:18px;flex-direction:column;align-items:stretch;background:var(--pp-ivory)}.nav-links.open{display:flex}.hero-grid{grid-template-columns:1fr}.steps{grid-template-columns:1fr 1fr}.benefits{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.section,.hero{padding:54px 0}.form-grid,.choices,.steps,.benefits{grid-template-columns:1fr}.field.full{grid-column:auto}.application-shell{padding:20px 16px}.form-actions{flex-direction:column-reverse}.form-actions button{width:100%}.hero-actions{flex-direction:column}.hero-actions a{width:100%}.footer-row{flex-direction:column}.price-row{grid-template-columns:78px 1fr}.wordmark{width:220px}}
