.slider-area{position:relative}.hero-contact-options{align-items:flex-start;gap:48px;flex-wrap:wrap}.contact-option{display:flex;flex-direction:column;align-items:center;min-width:220px;max-width:320px}*{box-sizing:border-box}*,body{margin:0;padding:0}body{font-family:Montserrat,sans-serif;line-height:1.6;color:var(--brand-navy)}.container{max-width:1200px;margin:0 auto;padding:0 20px}#header{width:100%;background:white;box-shadow:0 2px 4px rgba(0,0,0,.1);position:relative}.header-content{justify-content:center;padding:1.5rem 2rem;max-width:1200px;margin:0 auto;min-height:90px;gap:2rem}.logo{white-space:nowrap;display:flex;align-items:center}.logo-img{height:80px;width:auto;display:block}.nav{gap:2.5rem;flex:1 1 auto;justify-content:center}.nav a{font-size:1.1rem;padding:.5rem 1rem;border-radius:5px;transition:all .3s ease;white-space:nowrap}.nav a.active,.nav a:hover{background:rgba(18,43,77,.1)}.lang-switch{color:#555555;flex:0 0 auto;font-size:1.1rem;white-space:nowrap}.lang-switch a{color:#555555;margin:0 .5rem;padding:.25rem .5rem;border-radius:3px;transition:all .3s ease}#footer{width:100%;background:var(--brand-navy);color:white;position:relative}.footer-content{display:grid;grid-template-columns:2.3fr 1.2fr 1.2fr 2fr;grid-gap:3rem;gap:3rem;padding:3rem 2rem;max-width:1200px;margin:0 auto;justify-items:start;align-items:start}.footer-column{padding:.5rem;width:100%}.footer-column:first-child{justify-self:start}.footer-column:nth-child(2),.footer-column:nth-child(3){justify-self:center;text-align:center}.footer-column:last-child{justify-self:end;text-align:right}.footer-column h4{margin-bottom:1.5rem;color:white;font-weight:600;font-size:1.2rem;border-bottom:2px solid var(--brand-gold);padding-bottom:.5rem;display:inline-block}.footer-column ul{list-style:none;padding:0}.footer-column ul li{margin-bottom:.75rem}.footer-column ul li a{color:#cccccc;text-decoration:none;transition:color .3s ease;font-size:1rem;line-height:1.5}.footer-column ul li a:hover{color:var(--brand-gold-light);text-decoration:underline}.footer-column p{color:#cccccc;line-height:1.7;font-size:1rem;margin-bottom:1rem}.footer-column:first-child p{font-size:.95rem;text-align:justify}.footer-column:last-child p{margin-bottom:.5rem;font-size:1rem}.footer-bottom{border-top:1px solid #444;text-align:center;padding:1.5rem;color:#cccccc;background:var(--brand-navy-dark)}.btn{display:inline-flex;align-items:center;gap:.5rem;padding:1rem 2rem;border-radius:8px;text-decoration:none;font-weight:600;transition:all .3s ease;cursor:pointer;border:none;font-size:1rem}.btn-primary{background:var(--brand-navy);color:white}.btn-primary:hover{background:var(--brand-navy-dark);transform:translateY(-2px)}.btn-secondary{background:transparent;color:var(--brand-navy);border:2px solid var(--brand-navy)}.btn-secondary:hover{background:var(--brand-navy);color:white}.btn-white{background:white;color:var(--brand-navy)}.btn-white:hover{background:#f8f8f8;transform:translateY(-2px)}.hero{height:100vh;background:linear-gradient(120deg,rgba(18,43,77,.92),rgba(18,43,77,.72) 45%,rgba(18,43,77,.45)),url(/assets/img/hero-background.jpg);background-size:cover;background-position:50%;justify-content:flex-start;position:relative}.hero,.hero-overlay{display:flex;align-items:center}.hero-overlay{width:100%;height:100%}.hero-content{max-width:1200px;margin:0 auto;padding:0 2rem;color:white;max-width:600px}.hero-content h1{font-size:3.5rem;font-weight:700;margin-bottom:1rem;line-height:1.2;text-shadow:0 2px 14px rgba(0,0,0,.4)}.hero-content p{font-size:1.25rem;margin-bottom:2rem;color:rgba(255,255,255,.92)}.hero .btn-primary{background:linear-gradient(135deg,var(--brand-gold-light) 0,var(--brand-gold) 100%);color:var(--brand-navy);box-shadow:0 8px 24px rgba(178,142,88,.45);font-weight:700}.hero .btn-primary:hover{background:linear-gradient(135deg,var(--brand-gold) 0,var(--brand-gold-dark) 100%)}.steps{padding:5rem 0;background:white}.steps h2,.testimonials h2{text-align:center;font-size:2.5rem;font-weight:600;margin-bottom:3rem;color:var(--brand-navy);position:relative;padding-bottom:1rem}.steps h2:after,.testimonials h2:after{content:"";position:absolute;left:50%;bottom:0;transform:translateX(-50%);width:72px;height:4px;border-radius:999px;background:var(--brand-gold)}.steps-grid{display:flex;justify-content:space-around;gap:2rem}.step{text-align:center;max-width:300px}.step-icon{width:104px;height:104px;margin:0 auto 1.5rem;border-radius:50%;background:var(--brand-gold-soft);display:flex;align-items:center;justify-content:center}.step h3{font-size:1.5rem;font-weight:600;margin-bottom:1rem;color:var(--brand-navy)}.step p{color:#555555;line-height:1.6}.about-sonia{padding:5rem 0;background:var(--brand-cream)}.sonia-content{display:flex;align-items:center;gap:4rem}.sonia-image{flex:0 0 300px}.sonia-image img{width:100%;border-radius:15px;box-shadow:0 16px 40px rgba(18,43,77,.22)}.sonia-text{flex:1 1}.sonia-text h2{font-size:2.5rem;font-weight:600;margin-bottom:.5rem;color:var(--brand-navy)}.sonia-text .title{font-size:1.25rem;color:var(--brand-gold-text);font-weight:600;margin-bottom:1.5rem}.sonia-text p{color:#555555;margin-bottom:1.5rem;line-height:1.7}.sonia-buttons{display:flex;gap:1rem}.testimonials{padding:5rem 0;background:white}.slider-window,.testimonials .container{position:relative}.slider-window{overflow:hidden;width:100%;padding:0}.testimonials-grid{flex-wrap:nowrap;gap:1.5rem;transition:transform .4s ease;will-change:transform;width:max-content}.slider-area .slider-controls{left:0;right:0;pointer-events:none}.slider-area .slider-controls,.slider-btn{position:absolute;top:50%;transform:translateY(-50%)}.slider-btn{background:#ffffff;border:2px solid var(--brand-navy);color:var(--brand-navy);width:56px;height:56px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;box-shadow:0 8px 24px rgba(18,43,77,.14);cursor:pointer;z-index:2;pointer-events:auto;transition:background .3s ease,color .3s ease,border-color .3s ease}.slider-btn:hover:not(:disabled){background:var(--brand-navy);border-color:var(--brand-gold);color:white}.slider-btn.prev{left:-48px}.slider-btn.next{right:-48px}.slider-btn:disabled{opacity:.4;cursor:not-allowed;box-shadow:none}.testimonials-grid{display:flex;justify-content:space-around;gap:2rem}.testimonial-card{background:white;border:1px solid rgba(18,43,77,.14);border-radius:15px;padding:2rem;box-shadow:0 8px 24px rgba(18,43,77,.08);max-width:350px;transition:transform .3s ease,border-color .3s ease,box-shadow .3s ease}.testimonial-card:hover{transform:translateY(-5px);border-color:var(--brand-gold);box-shadow:0 16px 36px rgba(18,43,77,.16)}.testimonial-header{display:flex;align-items:center;margin-bottom:1.5rem;gap:1rem}.testimonial-header img{width:60px;height:60px;border-radius:50%;object-fit:cover}.testimonial-avatar{flex-shrink:0}.avatar-initial,.testimonial-avatar{width:60px;height:60px;border-radius:50%}.avatar-initial{display:inline-flex;align-items:center;justify-content:center;background-color:var(--brand-navy);color:#ffffff;font-weight:700;font-size:22px;line-height:1;text-transform:uppercase}.client-info h4{font-size:1.1rem;font-weight:600;margin-bottom:.25rem;color:var(--brand-navy)}.stars{color:var(--brand-gold-text);font-size:1.2rem}.testimonial-card p{color:#555555;line-height:1.6;font-style:italic}.cta{padding:5rem 0;background:linear-gradient(135deg,var(--brand-navy) 0,var(--brand-navy-light) 100%);text-align:center;color:white}.cta h2{font-size:2.5rem;font-weight:600;margin-bottom:1rem;color:var(--brand-gold)}.cta p{font-size:1.25rem;margin-bottom:2rem;color:rgba(255,255,255,.92)}@media (max-width:768px){.header-content{flex-direction:column;gap:1.5rem;padding:1.5rem 1rem;text-align:center}.logo{font-size:1.6rem;order:1}.logo-img{height:65px}.nav{gap:1.5rem;flex-wrap:wrap;justify-content:center;order:2}.nav a{font-size:1rem;padding:.5rem .75rem}.lang-switch{order:3}.footer-content{grid-template-columns:1fr;gap:2.5rem;padding:2.5rem 1rem;text-align:center;justify-items:center}.footer-column{text-align:center;max-width:300px}.footer-column:first-child,.footer-column:last-child,.footer-column:nth-child(2),.footer-column:nth-child(3){justify-self:center;text-align:center}.footer-column h4{text-align:center;font-size:1.1rem}.footer-column:first-child p{text-align:center}.hero-content h1{font-size:2.5rem}.hero-content p{font-size:1.1rem}.steps-grid{flex-direction:column;align-items:center}.sonia-content{flex-direction:column;text-align:center;gap:2rem}.sonia-image{flex:none}.sonia-buttons{justify-content:center;flex-wrap:wrap}.testimonials-grid{flex-direction:column;align-items:center}}.services-hero{background:linear-gradient(135deg,var(--brand-navy) 0,var(--brand-navy-light) 100%);padding:5rem 0;color:white;text-align:center}.services-hero-content h1{font-size:3rem;font-weight:700;margin-bottom:1rem}.services-hero-content p{font-size:1.25rem;margin-bottom:3rem;opacity:.9}.hero-stats{display:flex;justify-content:center;gap:4rem}.stat{text-align:center}.stat h3{font-size:2.5rem;font-weight:700;margin-bottom:.5rem;color:var(--brand-gold)}.stat p{font-size:1rem;opacity:.9}.free-consultation{background:#F8F6F2;padding:4rem 0}.consultation-content{display:flex;align-items:center;gap:3rem}.consultation-text{flex:2 1}.consultation-text h2{font-size:2.2rem;margin-bottom:1.5rem;color:var(--brand-navy)}.consultation-text p{font-size:1.1rem;line-height:1.7;margin-bottom:1rem;color:#555}.consultation-cta{flex:1 1;text-align:center}.consultation-image{margin-bottom:1.5rem}.consultation-image img{width:100%;max-width:300px;border-radius:15px;box-shadow:0 10px 30px rgba(0,0,0,.1)}.consultation-cta .btn{display:block;margin-bottom:1rem;width:100%}.loan-types{padding:5rem 0;background:white}.loan-types h2{text-align:center;font-size:2.5rem;margin-bottom:1rem;color:var(--brand-navy)}.section-subtitle{text-align:center;font-size:1.2rem;color:#555;margin-bottom:3rem;max-width:800px;margin-left:auto;margin-right:auto}.loan-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));grid-gap:2rem;gap:2rem;margin-top:3rem}.loan-card{background:white;border:1px solid #e0e0e0;border-radius:15px;padding:2rem;text-align:center;transition:all .3s ease;position:relative}.loan-card:hover{transform:translateY(-5px);box-shadow:0 15px 35px rgba(0,0,0,.1);border-color:var(--brand-navy)}.loan-card.featured{border:2px solid var(--brand-navy);transform:scale(1.05)}.featured-badge{background:var(--brand-navy);color:white;padding:.5rem 1rem;border-radius:20px;position:absolute;top:-10px;left:50%;transform:translateX(-50%);font-size:.9rem;font-weight:600}.loan-icon{margin-bottom:1.5rem}.loan-card h3{font-size:1.4rem;margin-bottom:1rem;color:var(--brand-navy)}.loan-card p{color:#555;margin-bottom:1.5rem;line-height:1.6}.loan-card ul{list-style:none;text-align:left;margin-bottom:1rem}.loan-card ul li{color:#555;position:relative;padding:.25rem 0 .25rem 1.5rem}.loan-card ul li:before{content:"✓";color:var(--brand-navy);font-weight:700;position:absolute;left:0}.special-offer{background:var(--brand-gold-soft);border:1px solid var(--brand-navy);border-radius:8px;padding:1rem;margin-top:1rem;color:var(--brand-navy);font-size:.9rem}.hometown-heroes{background:linear-gradient(135deg,#f8f6f2,#e8e6e2);padding:5rem 0}.heroes-content{display:flex;gap:3rem;align-items:flex-start}.heroes-text{flex:2 1}.heroes-text h2{font-size:2.5rem;color:var(--brand-navy);margin-bottom:1rem}.heroes-text .subtitle{font-size:1.3rem;color:var(--brand-navy);font-weight:600;margin-bottom:1.5rem}.heroes-text p{font-size:1.1rem;line-height:1.7;color:#555;margin-bottom:1.5rem}.program-benefits h3{font-size:1.8rem;color:var(--brand-navy);margin-bottom:1.5rem;border-bottom:2px solid var(--brand-navy);padding-bottom:.5rem;display:inline-block}.benefits-grid{display:grid;grid-gap:1.5rem;gap:1.5rem;margin-bottom:1.5rem}.benefit{background:white;padding:1.5rem;border-radius:10px;border-left:4px solid var(--brand-navy);box-shadow:0 2px 10px rgba(0,0,0,.05)}.benefit strong{color:var(--brand-navy);display:block;margin-bottom:.5rem}.heroes-cta{flex:1 1}.heroes-image{margin-bottom:1.5rem}.heroes-image img{width:100%;border-radius:15px;box-shadow:0 10px 30px rgba(0,0,0,.1)}.cta-box{background:var(--brand-navy);color:white;padding:2rem;border-radius:15px;text-align:center;box-shadow:0 10px 30px rgba(18,43,77,.3)}.cta-box h4{font-size:1.5rem;margin-bottom:1rem}.cta-box p{margin-bottom:1.5rem;opacity:.9}.refinancing{padding:5rem 0;background:white}.refinancing-content{display:flex;align-items:center;gap:4rem}.refinancing-text{flex:1 1}.refinancing-text h2{font-size:2.5rem;color:var(--brand-navy);margin-bottom:1rem}.refinancing-text .subtitle{font-size:1.3rem;color:var(--brand-navy);font-weight:600;margin-bottom:1.5rem}.refinancing-text p{font-size:1.1rem;color:#555;margin-bottom:2rem;line-height:1.7}.refinance-benefits{margin-bottom:2rem}.benefit-item{padding:.75rem;background:#f8f9fa;border-radius:8px}.benefit-item svg{flex-shrink:0}.refinancing-image{flex:1 1;position:relative;border-radius:20px;overflow:hidden;height:400px}.refinancing-image img{width:100%;height:100%;object-fit:cover;border-radius:20px}.refinance-highlight{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);background:rgba(18,43,77,.9);padding:2rem;border-radius:15px;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);text-align:center;color:white}.refinance-highlight h3{font-size:2.5rem;font-weight:700;margin-bottom:1rem}.refinance-highlight p{font-size:1.2rem;opacity:.9}.success-stories{background:white;padding:5rem 0}.success-stories h2{text-align:center;font-size:2.5rem;margin-bottom:1rem;color:var(--brand-navy)}.success-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));grid-gap:3rem;gap:3rem;margin-top:3rem}.success-item{text-align:center;padding:1rem}.success-image{margin-bottom:1.5rem}.success-image img{width:100%;height:250px;object-fit:cover;border-radius:15px;box-shadow:0 10px 30px rgba(0,0,0,.1)}.success-content h3{font-size:1.5rem;color:var(--brand-navy);margin-bottom:1rem}.success-content p{color:#555;line-height:1.6}.trust-statistics{background:#F8F6F2;padding:5rem 0}.trust-content{display:flex;align-items:center;gap:4rem}.trust-image{flex:1 1}.trust-image img{width:100%;border-radius:15px;box-shadow:0 15px 35px rgba(0,0,0,.1)}.trust-stats{flex:1 1}.trust-stats h2{font-size:2.5rem;color:var(--brand-navy);margin-bottom:1.5rem}.trust-stats p{font-size:1.1rem;color:#555;margin-bottom:2rem;line-height:1.7}.statistics-grid{display:grid;grid-template-columns:repeat(2,1fr);grid-gap:1.5rem;gap:1.5rem;margin-bottom:2rem}.stat-item{text-align:center;background:white;padding:1.5rem;border-radius:15px;box-shadow:0 5px 20px rgba(0,0,0,.08);transition:transform .3s ease}.stat-item:hover{transform:translateY(-5px)}.stat-number{font-size:2.5rem;font-weight:700;color:var(--brand-navy);margin-bottom:.5rem}.stat-label{color:#555;font-weight:500}.trust-badges{display:flex;gap:1rem;justify-content:center}.badge-item{width:80px;height:80px;border-radius:10px;overflow:hidden;box-shadow:0 5px 15px rgba(0,0,0,.1)}.badge-item img{width:100%;height:100%;object-fit:cover}.about-hero{background:linear-gradient(135deg,var(--brand-navy) 0,var(--brand-navy-light) 100%);padding:6rem 0 4rem;color:white;text-align:center}.about-hero-content h1{font-size:3rem;margin-bottom:1.5rem;font-weight:700}.about-hero-content p{font-size:1.3rem;margin-bottom:3rem;opacity:.9;max-width:800px;margin-left:auto;margin-right:auto}.hero-highlights{display:flex;justify-content:center;gap:4rem}.highlight{text-align:center}.highlight h3{font-size:2.5rem;font-weight:700;margin-bottom:.5rem;color:var(--brand-gold)}.highlight p{font-size:1rem;opacity:.8;margin:0}.about-me-section{padding:5rem 0;background:white}.about-content{display:grid;grid-template-columns:1fr 1.5fr;grid-gap:4rem;gap:4rem;align-items:start}.about-image{position:relative;border-radius:20px;overflow:hidden;box-shadow:0 20px 40px rgba(0,0,0,.1)}.about-image img{width:100%;height:500px;object-fit:cover;transition:transform .3s ease}.about-image:hover img{transform:scale(1.05)}.image-overlay{position:absolute;bottom:0;left:0;right:0;background:linear-gradient(transparent,rgba(0,0,0,.8));padding:2rem;color:white;text-align:center;transform:translateY(100%);transition:transform .3s ease}.about-image:hover .image-overlay{transform:translateY(0)}.overlay-content h4{font-size:1.5rem;margin-bottom:.5rem}.overlay-content p{margin-bottom:1rem;opacity:.9}.about-text h2{font-size:2.5rem;color:var(--brand-navy);margin-bottom:1.5rem}.lead{font-size:1.2rem;color:#555;line-height:1.7;margin-bottom:2.5rem}.professional-info h3{font-size:1.8rem;color:var(--brand-navy);margin-bottom:1.5rem}.achievements{list-style:none;padding:0;margin-bottom:2.5rem}.achievements li{display:flex;align-items:center;gap:1rem;padding:.8rem 0;border-bottom:1px solid #eee}.achievements li:last-child{border-bottom:none}.achievements span{font-size:1.1rem;color:var(--brand-navy)}.question-cta{background:#F8F6F2;padding:2rem;border-radius:15px;border-left:5px solid var(--brand-navy)}.question-cta h3{color:var(--brand-navy);margin-bottom:1rem}.question-cta p{color:#555;margin:0}.company-info{background:#F8F6F2;padding:5rem 0}.company-content{display:grid;grid-template-columns:1.5fr 1fr;grid-gap:4rem;gap:4rem;align-items:center}.company-text h2{font-size:2.2rem;color:var(--brand-navy);margin-bottom:1rem}.company-text h3{font-size:1.8rem;color:var(--brand-navy);margin-bottom:1.5rem}.company-text p{font-size:1.1rem;color:#555;line-height:1.7;margin-bottom:1.5rem}.company-motto{background:white;padding:1.5rem;border-radius:10px;border-left:4px solid var(--brand-navy);font-style:italic}.company-actions{display:flex;gap:1rem;margin-top:2rem}.loan-programs-highlight{background:white;padding:2.5rem;border-radius:20px;text-align:center;box-shadow:0 15px 35px rgba(0,0,0,.1)}.loan-programs-highlight h4{font-size:2rem;color:var(--brand-navy);margin-bottom:.5rem}.loan-programs-highlight p{color:#555;margin-bottom:2rem}.program-types{display:flex;flex-wrap:wrap;gap:.5rem;justify-content:center}.program-tag{background:var(--brand-navy);color:white;padding:.5rem 1rem;border-radius:20px;font-size:.9rem;font-weight:500}.bilingual-section{background:white;padding:5rem 0}.bilingual-content{grid-gap:4rem;gap:4rem}.spanish-content h2{font-size:2.5rem;color:var(--brand-navy);margin-bottom:1.5rem}.spanish-content p{font-size:1.1rem;color:#555;line-height:1.7;margin-bottom:2rem}.question-cta-spanish{background:var(--brand-gold-soft);padding:2rem;border-radius:15px;border-left:5px solid var(--brand-navy)}.question-cta-spanish h3{color:var(--brand-navy);margin-bottom:1rem}.question-cta-spanish p{color:#555;margin:0}.international-clients h3{font-size:2rem;color:var(--brand-navy);margin-bottom:1rem}.international-clients p{font-size:1.1rem;color:#555;margin-bottom:2rem}.countries-grid{display:grid;grid-template-columns:repeat(2,1fr);grid-gap:1rem;gap:1rem}.country-item{background:#F8F6F2;padding:1rem;border-radius:10px;text-align:center;font-weight:500;color:var(--brand-navy);border:2px solid transparent;transition:all .3s ease}.country-item:hover{border-color:var(--brand-navy);background:white;transform:translateY(-2px)}.contact-info-section{background:var(--brand-navy);padding:5rem 0;color:white}.contact-details{display:grid;grid-template-columns:1.5fr 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