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.process-list li>span{background:var(--green);color:#fff;border-radius:50%;place-items:center;width:44px;height:44px;font-size:14px;font-weight:850;display:grid}.proposal20 .process-list h3{margin:1px 0 8px;font-size:21px}.proposal20 .process-list p{color:var(--text);margin:0;font-size:15px}.proposal20 .trust{padding-top:25px}.proposal20 .trust-panel{background:var(--yellow);border-radius:var(--radius-lg);padding:clamp(34px,5vw,60px)}.proposal20 .trust-panel>div:first-child{grid-template-columns:.75fr 1.25fr;align-items:end;gap:50px;margin-bottom:44px;display:grid}.proposal20 .trust-points{grid-template-columns:repeat(3,1fr);gap:26px;display:grid}.proposal20 .trust-points article{border-top:1px solid #17352f40;padding-top:20px}.proposal20 .trust-points span{color:var(--green);font-size:13px;font-weight:850}.proposal20 .trust-points h3{margin:27px 0 10px;font-size:20px}.proposal20 .trust-points p{color:#465d56;margin:0;font-size:15px}.proposal20 .faq{grid-template-columns:.72fr 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progress::-webkit-progress-value{background:var(--green);border-radius:999px;transition:width .22s}.proposal20 .form-progress progress::-moz-progress-bar{background:var(--green);border-radius:999px}.proposal20 .form-step{padding-top:28px}.proposal20 .form-step h3{margin:0 0 9px;font-size:29px}.proposal20 .form-step>p{color:var(--text);margin:0 0 24px;font-size:16px}.proposal20 .form-options{grid-template-columns:1fr;gap:10px;display:grid}.proposal20 .form-options button{width:100%;min-height:62px;color:var(--ink);text-align:left;background:#f8faf7;border:1px solid #d1ddd6;border-radius:13px;grid-template-columns:34px 1fr;align-items:center;gap:10px;padding:12px 14px;font-size:15px;font-weight:750;display:grid}.proposal20 .form-options button:hover{border-color:var(--green)}.proposal20 .form-options button.selected{border-color:var(--green);background:var(--mint);box-shadow:inset 0 0 0 1px var(--green)}.proposal20 .form-options 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p{max-width:420px;color:var(--text);margin:0}.proposal20 footer{padding:74px max(var(--gutter), calc((100vw - var(--container)) / 2)) 25px;color:#fff;background:#0c2a23}.proposal20 .footer-main{grid-template-columns:1.35fr .85fr .85fr 1.05fr;gap:56px 42px;display:grid}.proposal20 .footer-brand .brand{background:var(--white);border-radius:13px;padding:8px 13px}.proposal20 .footer-brand p,.proposal20 footer div>p{color:#a8beb6;font-size:14px;line-height:1.6}.proposal20 .footer-brand p{max-width:350px;margin:23px 0 0}.proposal20 .footer-brand small{color:#839d94;max-width:390px;margin-top:15px;font-size:12px;line-height:1.55;display:block}.proposal20 .footer-main h2{letter-spacing:.09em;text-transform:uppercase;margin:4px 0 20px;font-size:13px}.proposal20 .footer-main div>a:not(.brand){color:#aec1bb;width:fit-content;margin:9px 0;font-size:14px;display:block}.proposal20 .footer-main div>a:hover{color:#fff}.proposal20 .footer-main div>p{margin:9px 0}.proposal20 .footer-main div>p b,.proposal20 .footer-main div>p span{display:block}.proposal20 .footer-main div>p b{color:#d5e0dc;font-size:12px}.proposal20 .footer-main div>p span{color:#78928a;font-size:13px}.proposal20 .footer-contact{flex-direction:column;align-items:flex-start;font-style:normal;display:flex}.proposal20 .footer-contact a,.proposal20 .footer-contact span{color:#aec1bb;width:fit-content;margin:5px 0;font-size:14px;line-height:1.55}.proposal20 .footer-contact a:hover{color:#fff}.proposal20 .footer-contact span{color:#78928a}.proposal20 .footer-meta{border-top:1px solid #ffffff1f;justify-content:space-between;align-items:center;gap:24px;margin-top:50px;padding:24px 0;display:flex}.proposal20 .footer-meta nav,.proposal20 .footer-social{flex-wrap:wrap;gap:11px 24px;display:flex}.proposal20 .footer-meta a,.proposal20 .footer-social span{color:#8fa79e;font-size:13px}.proposal20 .footer-meta a:hover{color:#fff}.proposal20 .footer-social span{color:#637f75}.proposal20 .footer-bottom{color:#819a91;border-top:1px solid #ffffff1f;justify-content:space-between;gap:20px;padding-top:22px;font-size:13px;display:flex}.proposal20 .footer-bottom a:hover{color:#fff}.proposal20 .legal-header{border-bottom:1px solid var(--line);background:#f7f7f1f0}.proposal20 .legal-header-inner{justify-content:space-between;align-items:center;gap:24px;width:min(100%,1028px);min-height:76px;margin:auto;padding:0 24px;display:flex}.proposal20 .legal-back{color:var(--green);font-size:14px;font-weight:800}.proposal20 .legal-main{width:min(100%,1028px);margin:auto;padding:clamp(62px,8vw,104px) 24px}.proposal20 .legal-hero{max-width:820px;margin-bottom:clamp(50px,7vw,82px)}.proposal20 .legal-hero>p{max-width:720px;color:var(--text);margin:28px 0 0;font-size:19px;line-height:1.65}.proposal20 .legal-blocks{gap:18px;display:grid}.proposal20 .legal-block{background:var(--white);border-radius:var(--radius-md);border:1px solid #17352f17;padding:clamp(28px,4vw,46px)}.proposal20 .legal-block h2{margin-bottom:25px;font-size:clamp(28px,4vw,42px)}.proposal20 .legal-block h3{margin:27px 0 10px;font-size:19px}.proposal20 .legal-block p,.proposal20 .legal-block li{color:var(--text);font-size:15px;line-height:1.7}.proposal20 .legal-block p:last-child,.proposal20 .legal-block ul:last-child{margin-bottom:0}.proposal20 .legal-block ul{padding-left:21px}.proposal20 .legal-details{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:0;display:grid}.proposal20 .legal-details div{background:var(--mint);border-radius:var(--radius-sm);padding:17px 18px}.proposal20 .legal-details dt{color:var(--muted);letter-spacing:.06em;text-transform:uppercase;font-size:12px;font-weight:800}.proposal20 .legal-details dd{color:var(--ink);margin:4px 0 0;font-size:15px;line-height:1.55}.proposal20 .legal-block a{color:var(--green);text-underline-offset:3px;text-decoration:underline}.proposal20 .legal-updated{color:var(--muted);margin:30px 0 0;font-size:13px}@media 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.site-nav{z-index:99;left:0;right:0;top:var(--header-height);height:calc(100dvh - var(--header-height));padding:28px var(--gutter) 40px;border-top:1px solid var(--line);overscroll-behavior:contain;background:#f7f7f1fb;flex-direction:column;align-items:stretch;gap:4px;display:none;position:fixed;overflow-y:auto}.proposal20 .site-nav.is-open{display:flex}.proposal20 .site-nav>a:not(.button){border-bottom:1px solid var(--line);align-items:center;min-height:54px;font-size:18px;display:flex}.proposal20 .site-nav>a:not(.button):after{display:none}.proposal20 .nav-mobile-cta{margin-top:22px;display:flex}.proposal20 .hero{min-height:auto}.proposal20 .hero-inner{grid-template-columns:1fr;gap:clamp(38px,7vw,54px);padding-top:clamp(34px,7vh,56px)}.proposal20 .hero-copy{max-width:680px}.proposal20 .hero-visual{width:100%;max-width:760px}.proposal20 .hero-image-wrap{height:min(62vw,480px);min-height:340px}.proposal20 .hero-trust{left:18px}.proposal20 .split-heading,.proposal20 .why-inner,.proposal20 .faq,.proposal20 .contact-inner{grid-template-columns:1fr}.proposal20 .split-heading{gap:23px}.proposal20 .nzu-head{flex-direction:column;align-items:flex-start;gap:22px}.proposal20 .loan-detail{grid-template-columns:1fr}.proposal20 .loan-photo{min-height:400px}.proposal20 .situation-grid{grid-template-columns:1fr}.proposal20 .situation-card{grid-template-columns:minmax(220px,.8fr) minmax(0,1.2fr);display:grid}.proposal20 .situation-image{height:100%;min-height:255px}.proposal20 .help-steps{gap:25px}.proposal20 .calculator-card,.proposal20 .zero-calculator{grid-template-columns:1fr}.proposal20 .calculator-summary,.proposal20 .calculator-outcomes,.proposal20 .calculator-growth,.proposal20 .calculator-detail,.proposal20 .calculator-disclaimer{grid-column:auto}.proposal20 .calculator-result{min-height:330px}.proposal20 .why-inner{gap:48px}.proposal20 .why-banner{flex-direction:column;align-items:flex-start;width:calc(100% - 48px)}.proposal20 .team-panel{grid-template-columns:1fr 1fr}.proposal20 .team-intro{grid-column:1/-1;padding-right:0}.proposal20 .why-image{max-width:760px;min-height:480px}.proposal20 .trust-panel>div:first-child{grid-template-columns:1fr;gap:15px}.proposal20 .faq{gap:45px}.proposal20 .contact-inner{gap:50px}.proposal20 .contact-copy{max-width:690px}.proposal20 .footer-main{grid-template-columns:1fr 1fr}.proposal20 .footer-brand{grid-column:1/-1}}@media (max-width:720px){.proposal20 .process-list,.proposal20 .team-panel{grid-template-columns:1fr}.proposal20 .team-intro{grid-column:auto;padding:0 0 10px}.proposal20 .person-card{width:100%;max-width:520px}.proposal20 .person-card-secondary{min-height:300px}.proposal20 .footer-main{column-gap:30px}}@media (max-width:620px){.proposal20{--gutter:18px;--section-space:72px;font-size:16px}.proposal20 .header-inner{padding-inline:var(--gutter)}.proposal20 .brand-logo{width:clamp(158px,52vw,184px)}.proposal20 .section{padding:var(--section-space) 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.person-photo{min-height:380px}.proposal20 .person-card-secondary{min-height:300px}.proposal20 .why-image{border-radius:44% 44% 22px 22px;min-height:370px}.proposal20 .trust{padding-top:10px}.proposal20 .trust-panel{border-radius:22px;padding:30px 21px}.proposal20 .trust-points{grid-template-columns:1fr;gap:24px}.proposal20 .trust-points h3{margin-top:18px}.proposal20 .faq-answer p{padding-right:4px}.proposal20 .contact-inner{padding:var(--section-space) var(--gutter)}.proposal20 .lead-form,.proposal20 .success{border-radius:22px;min-height:0;padding:26px 19px}.proposal20 .two-fields{grid-template-columns:1fr}.proposal20 .form-next{width:100%}.proposal20 footer{padding:62px var(--gutter) 24px}.proposal20 .footer-main{grid-template-columns:1fr;gap:37px}.proposal20 .footer-brand{grid-column:auto}.proposal20 .footer-meta{flex-direction:column;align-items:flex-start}.proposal20 .footer-bottom{flex-direction:column;align-items:flex-start;gap:8px}.proposal20 .legal-header-inner,.proposal20 .legal-main{padding-left:18px;padding-right:18px}.proposal20 .legal-details{grid-template-columns:1fr}}@media (max-width:440px){.proposal20 .loan-switch{grid-template-columns:1fr;gap:4px;display:grid}.proposal20 .loan-switch button{width:100%}.proposal20 .hero-trust{gap:9px;padding:11px 12px}.proposal20 .hero-trust>span{width:28px;height:28px}.proposal20 .hero-trust strong{font-size:14px}.proposal20 .hero-trust small{font-size:11px}.proposal20 .service-overview-head{gap:13px}.proposal20 .service-overview-head>span{width:38px;height:38px}.proposal20 .supported>div span{border-radius:12px;width:100%}.proposal20 .footer-meta nav{flex-direction:column}}@media (max-width:350px){.proposal20 .brand-name{font-size:21px}.proposal20 .hero-inner,.proposal20 .section,.proposal20 .why-inner,.proposal20 .contact-inner{padding-left:14px;padding-right:14px}.proposal20 h1{font-size:2.36rem}.proposal20 .button{padding-inline:14px;font-size:14px}.proposal20 .situation-copy{padding:20px}.proposal20 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