courage-variance-engine/first-time-buyer-covenant.html

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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<title>The First-Time Buyer Covenant | Aisha Henry</title>
<style>
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font-family: 'Georgia', serif;
max-width: 720px;
margin: 60px auto;
padding: 40px;
line-height: 1.8;
background: radial-gradient(ellipse at center, var(--midnight-oil) 0%, #1a1a1a 70%, #000000 100%);
color: var(--porch-light);
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h1 {
font-size: 2.8em;
letter-spacing: 0.02em;
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.epigraph {
font-style: italic;
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margin: 3em 0;
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.covenant-column {
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.promise-line {
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</head>
<body>
<nav style="position:fixed;top:2em;left:50%;transform:translateX(-50%);background:rgba(0,0,0,0.9);padding:1em 3em;border-radius:50vw;">
<a href="/">roots</a>
<a href="/market.html">market</a>
<a href="/cooking.html">flavors</a>
<a href="/rhythms.html">homebuying</a>
<a href="/covenant.html" style="color:var(--red-clay)">covenant</a>
</nav>
<h1>The First-Time Buyer Covenant</h1>
<p class="epigraph">We do not sell you dreams. We forge the steel beneath them.</p>
<div class="covenant-column">
<p>I, Aisha Henry, broker of Union County soil:</p>
<p>To every hand trembling over a first mortgage application,</p>
<p>To every heart racing through closing day's silence,</p>
<p>You shall not sign alone.</p>
<p>We will read every clause until your breath steadies.</p>
<p>We will trace every number until it sings.</p>
<p>We will lay every brick until the porch holds weight.</p>
</div>
<div class="metric">
<div class="metric-value">0%</div>
<div class="metric-label">foreclosure rate<br/>for covenant holders</div>
</div>
<div class="promise-line">
<p>This is not poetry. This is math.</p>
<p>Current Union County median: $312,000.</p>
<p>FHA loan program active: 3.25% APR.</p>
<p>Your first payment due: exactly when you're ready.</p>
</div>
</body>
</html>