:root{--navy:#071f34;--deep:#041725;--gold:#c7a250;--cream:#f8f6ef;--ink:#142b3d;--muted:#626d76;--line:#dcdedb}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--cream);line-height:1.6}a{color:inherit}img{display:block;max-width:100%}.wrap{width:min(1220px,calc(100% - 64px));margin:auto}.preview{background:#e8dfcc;color:#584720;text-align:center;font-size:11px;letter-spacing:.3px;padding:6px 15px}header{background:var(--navy);color:white;border-bottom:1px solid #ffffff20}.nav{display:flex;align-items:center;justify-content:space-between;gap:32px;min-height:100px}.brand{text-decoration:none;display:block}.brand b{display:block;font-family:Georgia,serif;font-size:31px;line-height:1.1;letter-spacing:6px;color:var(--gold)}.brand span{display:block;font-size:9px;letter-spacing:2.8px;margin-top:8px}.links{display:flex;align-items:center;gap:30px}.links a{text-decoration:none;font-size:13px}.links a:hover{color:var(--gold)}.links .outline{border:1px solid #ad8b46;padding:11px 18px}.hero{background:var(--navy);color:white;padding:76px 0 84px}.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:64px;align-items:center}.kicker{text-transform:uppercase;letter-spacing:2.5px;font-size:11px;font-weight:bold;color:var(--gold);margin:0 0 22px}h1,h2{font-family:Georgia,'Times New Roman',serif;font-weight:400;line-height:1.08;letter-spacing:-1.7px;margin:0 0 25px}h1{font-size:clamp(46px,5.5vw,76px)}h2{font-size:clamp(34px,4vw,51px)}h3{font-weight:500;margin:0 0 12px;font-size:25px}p{margin:0 0 20px}.hero p.lead{color:#d1dbe1;max-width:520px;font-size:17px;line-height:1.8}.gold{color:var(--gold)}.actions{display:flex;gap:20px;align-items:center;flex-wrap:wrap;margin-top:30px}.button{display:inline-block;text-decoration:none;background:var(--gold);color:var(--deep);font-weight:bold;font-size:13px;padding:15px 23px;min-height:50px;border:1px solid var(--gold)}.button:hover{background:#ddbb73}.button.secondary{background:transparent;color:inherit;border-color:#ffffff60}.hero-art{background:white;padding:9px;border:1px solid var(--gold);box-shadow:24px 24px 0 #ffffff04}.art-caption{display:flex;justify-content:space-between;margin-top:20px;font-size:10px;letter-spacing:1.8px;color:#c6cfd5;text-transform:uppercase}.strip{background:#fff;border-bottom:1px solid var(--line)}.strip .wrap{display:flex;justify-content:space-between;gap:20px;padding:22px 0;font-size:12px;letter-spacing:2px;text-transform:uppercase}.section{padding:90px 0}.section-head{display:grid;grid-template-columns:1fr .65fr;gap:80px;align-items:end;margin-bottom:40px}.section-head p{color:var(--muted);margin-bottom:0}.section-head h2{margin-bottom:0}.services{border-top:1px solid var(--line)}.service{display:grid;grid-template-columns:60px 1fr auto;align-items:center;gap:24px;padding:24px 0;border-bottom:1px solid var(--line)}.service .num{color:#997530;font-size:12px}.service h3{margin:0;font-family:Georgia,serif}.service .tag{color:var(--muted);font-size:12px}.locations{background:#edece5}.office-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.office{background:var(--cream);border-top:3px solid var(--gold);padding:30px}.office .number{font-size:11px;color:#8c6b2f;letter-spacing:2px;margin-bottom:36px}.office h3{font-family:Georgia,serif;font-size:32px}.office p{color:var(--muted);font-size:14px;min-height:48px}.office .phone{display:block;text-decoration:none;font-size:21px;margin:25px 0}.text-link{font-size:13px;text-underline-offset:6px;font-weight:bold}.office-footer{border-top:1px solid var(--line);padding-top:24px;display:flex;justify-content:space-between;gap:15px}.about{display:grid;grid-template-columns:.8fr 1fr;gap:100px}.about-copy{font-size:19px;line-height:1.8;color:var(--muted)}.loan{background:var(--navy);color:white}.loan-grid{display:grid;grid-template-columns:1fr .75fr;gap:90px;align-items:center}.loan p{color:#d1dbe1}.loan img{max-height:580px;margin:auto;object-fit:contain;border:1px solid #b28b3f}.loan small{display:block;color:#c9d2d9;font-size:11px;margin-top:20px}.contact-band{border-top:1px solid var(--line);padding:45px 0}.contact-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:30px}.contact-band h2{font-size:34px;margin-bottom:10px}.contact-band p{margin:0;color:var(--muted)}footer{padding:48px 0 25px;background:var(--deep);color:#d0d8de}.footer-top{display:flex;justify-content:space-between;gap:40px}.footer-top p{font-size:13px;max-width:350px}.footer-links{display:flex;gap:25px;align-items:start;font-size:12px}.footer-bottom{border-top:1px solid #ffffff20;margin-top:35px;padding-top:20px;font-size:10px;letter-spacing:.5px;color:#9caebc}.crumb{font-size:12px;color:#b9c9d4;margin-bottom:38px}.crumb a{text-underline-offset:4px}.office-hero{padding:52px 0 70px}.office-heading{display:grid;grid-template-columns:1.2fr .7fr;gap:70px;align-items:center}.address-panel{border:1px solid #ffffff35;padding:32px}.address-panel .label{color:var(--gold);font-size:10px;letter-spacing:2px;text-transform:uppercase}.address-panel address{font-size:23px;font-style:normal;line-height:1.6;margin:15px 0 25px}.address-panel .phone{font-size:25px;text-decoration:none}.office-info{display:grid;grid-template-columns:.75fr 1fr;gap:100px}.office-info p{color:var(--muted)}.simple-list{padding:0;margin:0;list-style:none}.simple-list li{padding:15px 0;border-bottom:1px solid var(--line)}.notice{font-size:13px;margin-top:22px;color:var(--muted)}.skip{position:absolute;left:16px;top:-100px;background:white;color:#071f34;padding:12px;z-index:10}.skip:focus{top:10px}a:focus-visible{outline:3px solid #d9a830;outline-offset:5px}@media(max-width:900px){.hero-grid{gap:30px}.links{gap:17px}.loan-grid{gap:40px}.about,.office-info{gap:40px}.office{padding:22px}.office .phone{font-size:18px}.office-heading{gap:35px}}@media(max-width:680px){.wrap{width:calc(100% - 36px)}.nav{display:block;padding:24px 0}.links{margin-top:25px;gap:20px;flex-wrap:wrap}.links .outline{padding:5px 10px}.hero{padding:45px 0}.hero-grid,.section-head,.about,.loan-grid,.office-heading,.office-info{grid-template-columns:1fr;gap:35px}.hero-art{max-width:480px}.strip .wrap{flex-wrap:wrap;justify-content:center;font-size:10px;gap:10px 25px}.section{padding:58px 0}.office-grid{grid-template-columns:1fr}.office .number{margin-bottom:18px}.office p{min-height:0}.service{grid-template-columns:28px 1fr;gap:12px}.service h3{font-size:23px}.service .tag{display:none}.contact-band .wrap,.footer-top{display:block}.contact-band .button{margin-top:25px}.footer-links{margin-top:30px;flex-wrap:wrap}.loan img{max-height:480px}.office .phone{font-size:22px}.office-footer{padding-top:18px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.footer-offices{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;border-top:1px solid #ffffff20;margin-top:30px;padding-top:30px;font-size:13px}.footer-offices address{font-style:normal;margin:14px 0;color:#bdcbd5}.footer-offices>div>a:last-child{text-decoration:none}@media(max-width:680px){.footer-offices{grid-template-columns:1fr;gap:28px}}
.business-hours{font-size:13px;margin:16px 0;color:inherit;line-height:1.6}
.service-areas{background:#f0eee6;border-top:1px solid var(--line)}.area-list{list-style:none;padding:0;margin:32px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:0 35px}.area-list li{padding:20px 0;border-bottom:1px solid #d3d5ce;font-family:Georgia,serif;font-size:25px}.area-list span{display:block;color:var(--muted);font:11px Arial,sans-serif;letter-spacing:1.5px;text-transform:uppercase;margin-top:8px}.area-note{font-size:13px;color:var(--muted)}@media(max-width:680px){.area-list{grid-template-columns:repeat(2,1fr);gap:0 20px}.area-list li{font-size:23px}}
.hero-art img{width:100%;height:auto}
/* Statewide corporate homepage */
.statewide-hero{padding:42px 0 68px;overflow:hidden;background:radial-gradient(ellipse at 90% 100%,#15394f 0,transparent 55%),var(--navy)}
.statewide-topline{display:flex;justify-content:space-between;align-items:center;gap:24px;margin-bottom:28px}.statewide-topline .kicker{margin:0}.statewide-topline>span{text-transform:uppercase;font-size:10px;letter-spacing:2px;color:#c3d0da}
.california-title{font-family:Arial,Helvetica,sans-serif;font-size:clamp(56px,12.2vw,166px);font-weight:800;line-height:.91;letter-spacing:-.065em;color:var(--gold);margin:0 0 42px;white-space:nowrap}.statewide-period{color:#fff}
.statewide-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:90px;align-items:center;border-top:1px solid #ffffff30;padding-top:38px}.statewide-copy h2{font-size:clamp(36px,4vw,55px);color:white;margin-bottom:20px}.statewide-hero p.lead{font-size:16px;max-width:550px;line-height:1.8}.statewide-brand{max-width:430px;justify-self:end;width:100%}.statewide-brand .hero-art{box-shadow:none;padding:7px}.statewide-brand .hero-art img{width:100%;height:auto}.statewide-details{display:flex;gap:34px;margin-top:35px}.statewide-details>div{border-left:1px solid #bd9b50;padding-left:17px}.statewide-details strong{display:block;font-size:21px;font-weight:500}.statewide-details span{display:block;font-size:10px;letter-spacing:.4px;color:#bdcbd5;margin-top:4px}.statewide-hero .art-caption{letter-spacing:1px;font-size:9px;gap:15px}
@media(max-width:900px){.statewide-grid{gap:38px}.statewide-hero{padding-top:36px}.statewide-details{gap:20px}}
@media(max-width:680px){.statewide-hero{padding:30px 0 45px}.statewide-topline{margin-bottom:25px;gap:15px;align-items:start}.statewide-topline .kicker{font-size:9px;letter-spacing:1.6px}.statewide-topline>span{font-size:8px;letter-spacing:1px;white-space:nowrap}.california-title{font-size:12vw;margin-bottom:28px}.statewide-grid{grid-template-columns:1fr;gap:35px;padding-top:28px}.statewide-brand{justify-self:start;max-width:400px}.statewide-copy h2{font-size:39px}.statewide-hero p.lead{font-size:15px}.statewide-details{margin-top:28px}.statewide-details strong{font-size:20px}}

/* Service pages */
.service-nav{background:#fff;border-bottom:1px solid var(--line)}.service-nav .wrap{display:flex;gap:24px;flex-wrap:wrap;padding:16px 0}.service-nav a{font-size:11px;text-decoration:none;color:var(--muted)}.service-nav a:hover,.service-nav a[aria-current]{color:#77551f;text-decoration:underline;text-underline-offset:5px}.service-link{text-decoration:none;transition:padding .15s}.service-link:hover{padding-left:10px;background:#eae7dc}.insurance-separation{font-size:12px;color:var(--muted);margin:25px 0 0}.detail-hero{padding:38px 0 65px}.detail-hero-grid{display:grid;grid-template-columns:1.3fr .65fr;gap:80px;align-items:center}.detail-hero h1{font-size:clamp(45px,5vw,70px)}.detail-panel{border:1px solid #ffffff35;border-top:3px solid var(--gold);padding:32px}.detail-panel strong{display:block;font:32px/1.2 Georgia,serif;margin:18px 0 24px}.detail-panel p{color:#c2d0da;font-size:13px}.detail-items{display:grid;grid-template-columns:repeat(3,1fr);gap:45px;margin-top:42px}.detail-items article{border-top:1px solid #b99b5a;padding-top:25px}.detail-items h3{font:27px/1.2 Georgia,serif}.detail-items p,.body-copy{color:var(--muted);font-size:15px;max-width:760px}.document-list{list-style:none;padding:0;max-width:850px;margin:32px 0}.document-list li{padding:18px 0 18px 30px;border-bottom:1px solid #d4d6cf;position:relative}.document-list li:before{content:'✓';position:absolute;left:0;color:#8c6b2f}.faq-layout{display:grid;grid-template-columns:.7fr 1fr;gap:75px}.faq-section details{border-bottom:1px solid var(--line);padding:22px 0}.faq-section summary{cursor:pointer;font-size:16px;font-weight:bold}.faq-section details p{color:var(--muted);margin:18px 0 0;font-size:14px}.broker-line{display:flex;justify-content:space-between;align-items:center;gap:30px}.program-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0 30px;margin:35px 0}.program-grid>div{border-bottom:1px solid #d4d6cf;padding:19px 0;font-size:15px}.lending-email{overflow-wrap:anywhere;font-size:15px}.solution-links{display:grid;grid-template-columns:repeat(2,1fr);gap:0 35px}.solution-links>a{display:flex;justify-content:space-between;padding:25px 0;border-bottom:1px solid var(--line);text-decoration:none;font:25px Georgia,serif}.loan img{height:auto;width:auto;max-width:100%}
@media(max-width:680px){.service-nav .wrap{gap:12px 20px}.detail-hero-grid,.detail-items,.faq-layout{grid-template-columns:1fr;gap:32px}.detail-hero h1{font-size:48px}.detail-panel{padding:25px}.detail-items{margin-top:28px}.broker-line{display:block}.program-grid,.solution-links{grid-template-columns:1fr 1fr;gap:0 20px}.solution-links>a{font-size:20px}.detail-hero{padding-bottom:45px}}

/* Loan application */
.application-hero{padding:35px 0 45px}.application-hero h1{font-size:clamp(45px,5vw,65px)}.application-contact{font-size:13px;color:#cfdae1}.application-contact a{overflow-wrap:anywhere}.application-section{padding-top:40px}.application-status{padding:18px 22px;background:#ece2ca;border-left:3px solid var(--gold);font-size:13px;margin-bottom:35px}.application-layout{display:grid;grid-template-columns:230px 1fr;gap:55px;align-items:start}.application-steps{display:grid;gap:4px;position:sticky;top:25px}.application-steps button{text-align:left;background:none;border:0;border-left:2px solid #d8d9d2;padding:14px;font:13px Arial;color:var(--muted);cursor:pointer}.application-steps button span{color:#90703a;margin-right:12px;font-size:10px}.application-steps button[aria-current]{background:#e9e6dc;border-color:var(--gold);color:var(--navy);font-weight:bold}.application-main{min-width:0}.application-main h2{font-size:40px;outline:none}.step-intro{color:var(--muted);font-size:14px;max-width:640px}.question-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.question{min-width:0}.wide{grid-column:1/-1}.question label,.question-label{display:block;font-size:12px;font-weight:bold;line-height:1.6;margin:0 0 8px}.question input:not([type=checkbox]),.question select,.question textarea{width:100%;border:1px solid #cbd0d1;background:#fff;border-radius:0;padding:12px;color:var(--ink);font:15px Arial;min-height:46px}.question textarea{resize:vertical;min-height:95px}.question input:focus,.question select:focus,.question textarea:focus{outline:2px solid #b99449;outline-offset:2px}.question-divider{grid-column:1/-1;font-family:Georgia,serif;font-size:21px;margin:18px 0 0;border-top:1px solid var(--line);padding-top:22px}.repeat-heading{display:flex;justify-content:space-between;gap:15px;align-items:center;margin:12px 0 20px}.repeat-heading h3{font:24px Georgia,serif;margin:0}.small-button{border:1px solid #b6bfc2;background:transparent;color:var(--ink);font:12px Arial;padding:10px 14px;cursor:pointer;min-height:40px}.record{border:1px solid #d6dbdb;background:#fdfcf8;padding:25px;margin-bottom:20px}.record .record{background:#f5f3eb;padding:20px}.record-heading{display:flex;justify-content:space-between;gap:15px;border-bottom:1px solid var(--line);padding-bottom:15px;margin-bottom:22px;font-size:11px;letter-spacing:.6px;text-transform:uppercase;color:#6c7377}.remove-record{font:11px Arial;color:#80583f;border:0;background:none;cursor:pointer;text-decoration:underline}.check-options{display:grid;grid-template-columns:1fr 1fr;gap:10px}.check-options label{display:flex;gap:9px;font-weight:normal;font-size:13px;align-items:start}.check-options input,.consent input{width:17px;height:17px;flex:0 0 17px;accent-color:var(--navy)}.form-help{font-size:12px;color:var(--muted);line-height:1.8;margin-top:20px}.consent{display:flex;gap:12px;font-size:13px;line-height:1.7}.review-box{background:#efede4;padding:28px;font-size:14px}.review-box h3{font-family:Georgia,serif}.application-controls{display:flex;align-items:center;justify-content:space-between;gap:18px;border-top:1px solid var(--line);margin-top:35px;padding-top:25px}.application-controls button{cursor:pointer}.application-controls [disabled]{opacity:.5;cursor:not-allowed}.application-controls span{font-size:12px;color:var(--muted)}[hidden]{display:none!important}.honeypot{position:absolute;left:-10000px;top:auto;height:1px;width:1px;overflow:hidden}.form-error{padding:16px;background:#f6e6de;color:#813e24}.form-success{padding:20px;background:#e4eee3;color:#255330}
@media(max-width:900px){.application-layout{grid-template-columns:180px 1fr;gap:30px}.record{padding:18px}.question-grid{gap:18px}}
@media(max-width:680px){.application-layout{grid-template-columns:1fr;gap:30px}.application-steps{position:static;grid-template-columns:1fr 1fr}.application-steps button{font-size:11px;padding:10px}.question-grid{grid-template-columns:1fr}.wide{grid-column:auto}.check-options{grid-template-columns:1fr}.repeat-heading{align-items:start}.repeat-heading h3{font-size:21px}.repeat-heading .small-button{font-size:10px;padding:8px}.application-main h2{font-size:34px}.application-contact{font-size:12px}}

.calculator-form{display:grid;grid-template-columns:1fr 1fr 1fr auto;gap:22px;align-items:end;margin:35px 0}.calculator-result{font-family:Georgia,serif;font-size:30px;color:var(--navy);margin:30px 0}@media(max-width:680px){.calculator-form{grid-template-columns:1fr}.calculator-result{font-size:25px}}
.communications{border:1px solid #b69a53;padding:24px}.communications legend{font-size:1.35rem;font-weight:bold}.communications .consent{margin:20px 0;align-items:flex-start}.communications input[type=checkbox]{flex-shrink:0;width:22px;height:22px}.communications .question{margin:18px 0}.legal-copy{max-width:900px}.legal-copy h1{font-size:clamp(2rem,5vw,3.4rem)}.legal-copy h2{margin-top:36px}.license-disclosure{padding:24px 0;border-top:1px solid #8e9ba5;font-size:1rem;line-height:1.65}.maria-grid{display:grid;grid-template-columns:minmax(240px,380px) 1fr;gap:48px;align-items:center}.maria-photo{aspect-ratio:4/5;background-image:url(https://multiservicespoweredbytaxma.com/assets/home-loans-spanish.png);background-size:220% auto;background-position:100% top;border:3px solid #c3a357}.maria-title{font-family:Georgia,serif;font-size:1.7rem;color:#8b651c}@media(max-width:700px){.maria-grid{grid-template-columns:1fr}.maria-photo{max-width:380px;width:100%}}