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a{color:#ffffffb3}.footer-contact-item a:hover{color:var(--color-accent-light)}.footer h4{color:var(--color-white);font-size:.9rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:var(--spacing-lg);position:relative;padding-bottom:var(--spacing-sm)}.footer h4:after{content:"";position:absolute;bottom:0;left:0;width:30px;height:2px;background:var(--color-accent)}.footer-links a{display:block;color:#ffffffb3;font-size:.85rem;padding:5px 0;transition:all var(--transition-fast)}.footer-links a:hover{color:var(--color-accent-light);padding-left:4px}.footer-social{display:flex;gap:var(--spacing-sm);margin-top:var(--spacing-lg)}.footer-social a{width:36px;height:36px;border-radius:var(--radius-full);background:#ffffff1a;display:flex;align-items:center;justify-content:center;color:var(--color-white);font-size:.85rem;transition:all var(--transition-normal)}.footer-social a:hover{background:var(--color-accent);transform:translateY(-2px)}.footer-subscribe{margin-top:var(--spacing-lg)}.footer-subscribe p{color:#ffffffb3;font-size:.85rem;margin-bottom:var(--spacing-sm)}.footer-bottom{padding:var(--spacing-lg) 0;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:var(--spacing-md)}.footer-bottom p,.footer-bottom a{color:#ffffff80;font-size:.8rem}.footer-bottom a:hover{color:var(--color-accent-light)}@media(max-width:1024px){.footer-grid{grid-template-columns:1fr 1fr}}@media(max-width:768px){.footer-grid{grid-template-columns:1fr;gap:var(--spacing-xl)}.footer-bottom{flex-direction:column;text-align:center}}.partner-cta{background:linear-gradient(135deg,var(--color-primary) 0%,var(--color-primary-light) 100%);padding:var(--spacing-4xl) 0;text-align:center}.partner-cta-content{max-width:600px;margin:0 auto}.partner-cta h2{color:var(--color-white);margin-bottom:var(--spacing-md);font-size:2rem}.partner-cta 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0;font-size:1.05rem}.events-intro{max-width:700px;color:var(--color-text-light);font-size:1.05rem;line-height:1.8;margin-bottom:var(--spacing-3xl)}.events-list{display:flex;flex-direction:column;gap:var(--spacing-lg)}.event-card{display:flex;align-items:center;gap:var(--spacing-xl);padding:var(--spacing-xl);background:var(--color-white);border:1px solid var(--color-gray);border-radius:var(--radius-lg);transition:all var(--transition-normal)}.event-card:hover{box-shadow:var(--shadow-md);border-color:var(--color-accent)}.event-date-badge{flex-shrink:0;width:90px;padding:var(--spacing-md);background:linear-gradient(135deg,var(--color-primary) 0%,var(--color-teal) 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p{color:var(--color-text-light);font-size:.9rem;line-height:1.6}.service-page-desc{max-width:800px;color:var(--color-text-light);font-size:1.05rem;line-height:1.8;margin-bottom:var(--spacing-lg)}.service-page-desc p{margin-bottom:var(--spacing-md)}.sub-services-list{list-style:none;padding:0}.sub-services-list li{padding:var(--spacing-md) var(--spacing-lg);background:var(--color-white);border:1px solid var(--color-gray);border-radius:var(--radius-md);margin-bottom:var(--spacing-sm);font-weight:500;color:var(--color-primary);transition:all var(--transition-fast);display:flex;align-items:center;gap:var(--spacing-md)}.sub-services-list li:hover{border-color:var(--color-accent);background:var(--color-off-white)}.sub-services-list li:before{content:"→";color:var(--color-accent);font-weight:700}.audit-section,.article-section{margin-bottom:var(--spacing-xl);padding:var(--spacing-xl);background:var(--color-white);border-radius:var(--radius-lg);border:1px solid var(--color-gray);scroll-margin-top:140px}.audit-section h3,.article-section h3{margin-bottom:var(--spacing-md);padding-bottom:var(--spacing-sm);border-bottom:2px solid var(--color-accent);display:inline-block}.audit-section p,.article-section p{color:var(--color-text-light);line-height:1.8;margin-bottom:var(--spacing-sm);font-size:.95rem}.audit-section ul,.article-section ul{list-style:disc;padding-left:var(--spacing-xl);margin:var(--spacing-md) 0}.audit-section ul li,.article-section ul li{color:var(--color-text-light);font-size:.9rem;line-height:1.7;margin-bottom:4px}.article-section h4{font-size:1rem;margin-top:var(--spacing-lg);margin-bottom:var(--spacing-sm);color:var(--color-primary)}.sub-category-links{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:var(--spacing-md);margin-top:var(--spacing-lg)}.sub-category-link{display:flex;align-items:center;gap:var(--spacing-md);padding:var(--spacing-lg);background:var(--color-white);border:1px solid var(--color-gray);border-radius:var(--radius-md);text-decoration:none;color:var(--color-primary);font-weight:500;transition:all var(--transition-fast)}.sub-category-link:hover{border-color:var(--color-accent);background:var(--color-off-white);transform:translateY(-2px);box-shadow:var(--shadow-sm)}.sub-category-link:before{content:"→";color:var(--color-accent);font-weight:700;font-size:1.1rem}.featured-loans-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:var(--spacing-md);margin-top:var(--spacing-lg)}.featured-loan-card{padding:var(--spacing-lg);background:var(--color-off-white);border-radius:var(--radius-md);text-align:center;border:1px solid var(--color-gray)}.featured-loan-card .loan-amount{font-size:1.3rem;font-weight:700;color:var(--color-primary);margin-bottom:var(--spacing-xs)}.featured-loan-card .loan-location{color:var(--color-accent);font-weight:500;font-size:.9rem;margin-bottom:4px}.featured-loan-card .loan-type{color:var(--color-text-light);font-size:.85rem}.contact-cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:var(--spacing-lg);margin-top:var(--spacing-lg)}.contact-card{padding:var(--spacing-lg);background:var(--color-off-white);border-radius:var(--radius-md);border:1px solid var(--color-gray)}.contact-card h4{font-size:1.05rem;margin-bottom:4px;color:var(--color-primary)}.contact-card .card-title{color:var(--color-accent);font-size:.85rem;margin-bottom:var(--spacing-sm)}.contact-card .card-info{color:var(--color-text-light);font-size:.9rem;line-height:1.6}.contact-card a{color:var(--color-accent);text-decoration:none}.contact-card a:hover{text-decoration:underline}.steps-process{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:var(--spacing-md);margin:var(--spacing-xl) 0}.step-item{text-align:center;padding:var(--spacing-lg)}.step-number{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--color-accent);color:var(--color-white);font-weight:700;font-size:1.1rem;margin-bottom:var(--spacing-sm)}.step-item h4{font-size:.95rem;margin-bottom:var(--spacing-xs);color:var(--color-primary)}.step-item p{color:var(--color-text-light);font-size:.85rem;line-height:1.5}.faq-section{margin-top:var(--spacing-xl)}.faq-section h3{margin-bottom:var(--spacing-lg);padding-bottom:var(--spacing-sm);border-bottom:2px solid var(--color-accent);display:inline-block}.faq-item{margin-bottom:var(--spacing-md);padding:var(--spacing-lg);background:var(--color-white);border:1px solid var(--color-gray);border-radius:var(--radius-md)}.faq-item h4{color:var(--color-primary);margin-bottom:var(--spacing-sm);font-size:.95rem}.faq-item p{color:var(--color-text-light);font-size:.9rem;line-height:1.7}@media(max-width:768px){.service-detail-card{flex-direction:column;align-items:flex-start}.sub-category-links{grid-template-columns:1fr}.featured-loans-grid{grid-template-columns:repeat(2,1fr)}.steps-process,.contact-cards{grid-template-columns:1fr}}.icbi-content{max-width:800px}.icbi-content h3{font-size:1.3rem;margin-bottom:var(--spacing-lg);line-height:1.5}.icbi-content p{color:var(--color-text-light);font-size:1.02rem;line-height:1.8;margin-bottom:var(--spacing-md)}.icbi-links{margin-top:var(--spacing-xl);padding:var(--spacing-xl);background:var(--color-off-white);border-radius:var(--radius-lg)}.icbi-links h4{margin-bottom:var(--spacing-md);padding-bottom:var(--spacing-sm);border-bottom:2px solid var(--color-accent);display:inline-block}.icbi-links ul{list-style:none}.icbi-links ul li{padding:var(--spacing-sm) 0}.icbi-links ul li a{color:var(--color-primary-light);font-weight:500}.icbi-links ul li a:hover{color:var(--color-accent)}.icbi-affiliates{margin-top:var(--spacing-xl)}.icbi-affiliates h3{margin-bottom:var(--spacing-lg)}.affiliate-card{display:block;padding:var(--spacing-xl);background:var(--color-white);border:1px solid var(--color-gray);border-radius:var(--radius-lg);text-decoration:none;transition:all var(--transition-normal)}.affiliate-card:hover{border-color:var(--color-accent);box-shadow:var(--shadow-md)}.affiliate-card h4{color:var(--color-primary);margin-bottom:var(--spacing-sm)}.affiliate-card p{color:var(--color-text-light);font-size:.9rem}.shareholder-content{max-width:700px}.shareholder-content h2{font-size:1.8rem;margin-bottom:var(--spacing-lg);line-height:1.4}.shareholder-content p{color:var(--color-text-light);font-size:1.05rem;line-height:1.8;margin-bottom:var(--spacing-md)}.bsc-content{max-width:800px}.bsc-content>p{color:var(--color-text-light);font-size:1.05rem;line-height:1.8;margin-bottom:var(--spacing-xl)}.bsc-contact{margin-top:var(--spacing-xl);padding:var(--spacing-xl);background:var(--color-off-white);border-radius:var(--radius-lg)}.bsc-contact h4{margin-bottom:var(--spacing-sm)}.golf-content{max-width:700px}.golf-content p{color:var(--color-text-light);font-size:1.05rem;line-height:1.8;margin-bottom:var(--spacing-md)}.secured-content{max-width:900px;margin-top:var(--spacing-xl)}.secured-section{margin-bottom:var(--spacing-xl);padding:var(--spacing-xl);background:var(--color-white);border-radius:var(--radius-lg);border:1px solid var(--color-gray)}.secured-section h3{margin-bottom:var(--spacing-md);padding-bottom:var(--spacing-sm);border-bottom:2px solid var(--color-accent);display:inline-block;color:var(--color-primary)}.secured-section p{color:var(--color-text-light);line-height:1.8;margin-bottom:var(--spacing-md);font-size:.95rem}.secured-section ul{list-style:disc;padding-left:var(--spacing-xl);margin:var(--spacing-md) 0}.secured-section ul li{color:var(--color-text-light);font-size:.9rem;line-height:1.7;margin-bottom:8px}.links-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:var(--spacing-md);margin-top:var(--spacing-lg)}.helpful-link-card{display:flex;justify-content:space-between;align-items:center;padding:var(--spacing-lg);background:var(--color-white);border:1px solid var(--color-gray);border-radius:var(--radius-md);text-decoration:none;color:var(--color-primary);font-weight:500;transition:all var(--transition-fast)}.helpful-link-card:hover{border-color:var(--color-accent);background:var(--color-off-white);transform:translateY(-2px);box-shadow:var(--shadow-sm)}.helpful-link-card .link-arrow{color:var(--color-accent);font-weight:700}@media(max-width:768px){.links-grid{grid-template-columns:1fr}}:root{--color-primary: #1B2A4A;--color-primary-light: #2C4A6E;--color-primary-dark: #0F1B33;--color-accent: #6B8E23;--color-accent-light: #7EAB29;--color-accent-dark: #58751D;--color-teal: #1A6B5A;--color-teal-light: #238B75;--color-teal-dark: #0F4F42;--color-white: #FFFFFF;--color-off-white: #F8F9FC;--color-light-gray: #F0F2F7;--color-gray: #E2E5EC;--color-medium-gray: #8E95A5;--color-dark-gray: #4A5568;--color-text: #2D3748;--color-text-light: #718096;--font-primary: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--font-heading: "Playfair Display", Georgia, serif;--spacing-xs: 4px;--spacing-sm: 8px;--spacing-md: 16px;--spacing-lg: 24px;--spacing-xl: 32px;--spacing-2xl: 48px;--spacing-3xl: 64px;--spacing-4xl: 96px;--container-max: 1200px;--container-wide: 1400px;--transition-fast: .15s ease;--transition-normal: .3s ease;--transition-slow: .5s ease;--shadow-sm: 0 1px 3px rgba(0, 0, 0, .08);--shadow-md: 0 4px 12px rgba(0, 0, 0, .1);--shadow-lg: 0 8px 30px rgba(0, 0, 0, .12);--shadow-xl: 0 20px 60px rgba(0, 0, 0, .15);--radius-sm: 4px;--radius-md: 8px;--radius-lg: 12px;--radius-xl: 16px;--radius-full: 9999px}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}body{font-family:var(--font-primary);font-size:16px;line-height:1.6;color:var(--color-text);background-color:var(--color-white);overflow-x:hidden}h1,h2,h3,h4,h5,h6{font-family:var(--font-primary);font-weight:700;line-height:1.2;color:var(--color-primary)}h1{font-size:2.75rem}h2{font-size:2.25rem}h3{font-size:1.5rem}h4{font-size:1.25rem}a{color:var(--color-primary);text-decoration:none;transition:color var(--transition-fast)}a:hover{color:var(--color-accent)}img{max-width:100%;height:auto;display:block}ul,ol{list-style:none}button{cursor:pointer;font-family:var(--font-primary);border:none;outline:none;background:none}.container{max-width:var(--container-max);margin:0 auto;padding:0 var(--spacing-lg)}.container-wide{max-width:var(--container-wide);margin:0 auto;padding:0 var(--spacing-lg)}.section{padding:var(--spacing-4xl) 0}.section-sm{padding:var(--spacing-3xl) 0}.btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--spacing-sm);padding:12px 28px;font-size:.95rem;font-weight:600;border-radius:var(--radius-sm);transition:all var(--transition-normal);text-decoration:none;letter-spacing:.02em}.btn-primary{background:var(--color-accent);color:var(--color-white)}.btn-primary:hover{background:var(--color-accent-dark);color:var(--color-white);transform:translateY(-1px);box-shadow:var(--shadow-md)}.btn-outline{background:transparent;color:var(--color-white);border:2px solid var(--color-white)}.btn-outline:hover{background:var(--color-white);color:var(--color-primary)}.btn-outline-dark{background:transparent;color:var(--color-primary);border:2px solid var(--color-primary)}.btn-outline-dark:hover{background:var(--color-primary);color:var(--color-white)}.text-center{text-align:center}.text-left{text-align:left}.text-white{color:var(--color-white)}.page-content{min-height:60vh}.page-section{padding:var(--spacing-3xl) 0}.page-section:nth-child(2n){background:var(--color-off-white)}@media(max-width:1024px){h1{font-size:2.25rem}h2{font-size:1.75rem}h3{font-size:1.25rem}.section{padding:var(--spacing-3xl) 0}}@media(max-width:768px){h1{font-size:1.85rem}h2{font-size:1.5rem}h3{font-size:1.15rem}.container,.container-wide{padding:0 var(--spacing-md)}.section{padding:var(--spacing-2xl) 0}.btn{padding:10px 22px;font-size:.9rem}}@media(max-width:480px){h1{font-size:1.5rem}h2{font-size:1.3rem}}