:root{--page-title-display:none}.elementor-widget-html.rca-native-html,.rca-native-html>.elementor-widget-container{display:contents}.e-atomic-element{padding:0;min-width:0;width:auto}.rca-step-count{display:block;font-size:18px;font-weight:800}.rca-post-content{display:contents}:root{--navy:#0a1f44;--navy-2:#13294b;--blue:#0046c8;--blue-dark:#0036a0;--lime:#c4f000;--lime-dark:#a7cf00;--ink:#1b2440;--muted:#5b6b86;--line:#e3e8f0;--bg:#f4f6fb;--card:#ffffff;--good:#0a8a4a;--shadow:0 10px 30px rgba(10,31,68,.08);--radius:18px}*{box-sizing:border-box}html,body{margin:0;padding:0}body{font-family:"Helvetica Neue",Arial,"Segoe UI",system-ui,sans-serif;background:var(--bg);color:var(--ink);line-height:1.5;-webkit-font-smoothing:antialiased}.payoff-card,.disclaimer{content-visibility:auto;contain-intrinsic-size:auto 420px}.site-header{background:var(--navy);color:#fff;position:relative;z-index:3}.site-header-inner{max-width:1128px;min-height:72px;margin:0 auto;padding:12px 24px;display:flex;align-items:center;justify-content:space-between;gap:20px}.site-header .brand{margin:0;padding:0;border-radius:0;background:#fff0;color:#fff;font-size:19px;letter-spacing:-.02em;text-decoration:none}.site-header .brand img{display:block;width:38px;height:38px;flex:none}.site-header .brand:hover{color:var(--lime)}.site-header .brand:focus-visible,.header-guide-link:focus-visible{outline:3px solid var(--lime);outline-offset:4px;border-radius:4px}.header-links{display:flex;align-items:center;gap:12px}.header-guide-link{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:44px;padding:10px 18px;border:1px solid rgb(255 255 255 / .65);border-radius:10px;color:#fff;font-size:14px;font-weight:700;line-height:1.3;text-decoration:none;white-space:nowrap;transition:background .16s,border-color .16s,color .16s}.header-guide-link:hover{color:#fff;background:rgb(255 255 255 / .1);border-color:#fff}.header-guide-link.primary{background:var(--lime);border-color:var(--lime);color:var(--navy)}.header-guide-link.primary:hover{background:var(--lime-dark);border-color:var(--lime-dark);color:var(--navy)}@media(max-width:560px){.site-header-inner{min-height:64px;padding:10px 16px}.site-header .brand{font-size:16px}.site-header .brand img{width:34px;height:34px}.header-guide-link{font-size:13px}}@media(max-width:620px){.site-header-inner{align-items:flex-start;flex-direction:column;gap:14px}.header-links{width:100%;gap:10px}.header-guide-link{flex:1;padding:10px 12px}}@media(max-width:380px){.site-header-inner{gap:10px}.header-guide-link{font-size:12px}.site-header .brand{font-size:14px}}.hero{background:var(--navy);color:#fff;padding:54px 24px 96px;position:relative;overflow:hidden}.hero-inner{max-width:1080px;margin:0 auto;position:relative;z-index:1}.hero-art{position:absolute;pointer-events:none}.hero-orbit{width:430px;height:430px;right:-230px;top:-235px;color:var(--lime)}.hero-facets{width:420px;height:330px;left:-170px;bottom:-150px}.hero h1 .hero-highlight{color:var(--lime)}.hero-copy>p:first-of-type::after{content:"";display:block;width:66px;height:6px;border-radius:2px;background:var(--lime);margin-top:18px}@media(max-width:700px){.hero-orbit{width:250px;height:250px;right:-195px;top:-175px}.hero-facets{width:300px;height:230px;left:-190px;bottom:-120px}}.hero-content{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:32px}.brand{display:inline-flex;align-items:center;gap:10px;font-weight:800;letter-spacing:.5px;font-size:15px;text-transform:none;background:var(--lime);color:var(--navy);padding:7px 16px;border-radius:999px;margin-bottom:24px}.brand .dot{width:9px;height:9px;border-radius:50%;background:var(--navy)}.hero-actions{display:flex;align-items:center;justify-content:flex-end;gap:10px;flex-wrap:wrap}.hero-action{min-height:42px;border:0;border-radius:999px;padding:10px 18px;display:inline-flex;align-items:center;justify-content:center;gap:9px;font:inherit;font-size:15px;font-weight:700;color:var(--navy);cursor:pointer;text-decoration:none;box-shadow:0 5px 16px rgb(0 0 0 / .12);transition:transform .15s,box-shadow .15s}.hero-action:hover{transform:translateY(-1px);box-shadow:0 8px 20px rgb(0 0 0 / .18)}.hero-action:focus-visible{outline:3px solid #fff;outline-offset:3px}.hero-action.email{background:#fff}.hero-action-icon{display:block;width:19px;height:19px;flex:none}.ui-icon{display:block;width:18px;height:18px;flex:none}.lead-close .ui-icon{margin:auto;width:20px;height:20px}.hero h1{font-size:clamp(28px,4vw,44px);line-height:1.1;margin:0 0 14px;font-weight:800;letter-spacing:-.5px;max-width:760px}.hero p{font-size:18px;max-width:620px;margin:0;color:rgb(255 255 255 / .85)}.hero-nav{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}.hero-nav a{display:inline-flex;align-items:center;min-height:36px;padding:7px 12px;border:1px solid rgb(255 255 255 / .35);border-radius:999px;color:#fff;text-decoration:none;font-size:13px;font-weight:700}.hero-nav a:hover,.hero-nav a:focus-visible{background:rgb(255 255 255 / .14);outline:none}@media(max-width:700px){.hero-content{grid-template-columns:1fr;gap:20px}.hero-actions{justify-content:flex-start}.hero-action{flex:1}}.wrap{max-width:1080px;margin:-60px auto 60px;padding:0 24px;position:relative;z-index:2}.grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}@media(max-width:820px){.grid{grid-template-columns:1fr}}.card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px}.loan-card{display:flex;flex-direction:column}.card h2{font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:1px;margin:0 0 4px;color:var(--muted)}.card .sub{font-size:22px;font-weight:800;margin:0 0 22px;display:flex;align-items:center;gap:10px}.pill{font-size:11px;font-weight:800;letter-spacing:.5px;text-transform:uppercase;padding:5px 10px;border-radius:999px}.pill.current{background:#eef1f7;color:var(--muted)}.pill.alt{background:var(--lime);color:var(--navy)}.shared{margin-bottom:22px}.field{margin-bottom:18px}.field:last-child{margin-bottom:0}label{display:block;font-size:14px;font-weight:600;margin-bottom:7px;color:var(--ink)}label .hint{font-weight:400;color:var(--muted);font-size:12.5px}.input-wrap{position:relative}.input-wrap .prefix,.input-wrap .suffix{position:absolute;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600;font-size:15px;pointer-events:none}.input-wrap .prefix{left:16px}.input-wrap .suffix{right:16px}input,select{width:100%;border:1.5px solid var(--line);border-radius:12px;padding:14px 16px;font-family:inherit;font-size:16px;font-weight:600;color:var(--ink);background:#fff;transition:border-color .15s,box-shadow .15s;appearance:none;-moz-appearance:textfield}input::-webkit-outer-spin-button,input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}input::placeholder{color:#9aa7ba;opacity:1;font-weight:400}select:invalid{color:#9aa7ba;font-weight:400}.input-wrap.has-prefix input{padding-left:32px}.input-wrap.has-suffix input{padding-right:42px}input:focus,select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgb(0 70 200 / .12)}select{cursor:pointer;padding-right:42px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%235b6b86' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 16px center}.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}.fees-row{margin-bottom:18px;row-gap:18px}.fees-row>.field{margin-bottom:0}.row3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}@media(max-width:760px){.row3{grid-template-columns:1fr}}.rate-note{font-size:12px;color:var(--good);font-weight:700;margin-top:7px}.new-amount-cue{display:inline-flex;align-items:center;gap:6px;margin-top:8px;padding:5px 9px;border-radius:999px;background:#eef5ff;color:var(--blue);font-size:11.5px;font-weight:800}.new-amount-cue[hidden]{display:none}.new-amount-cue svg{width:14px;height:14px}.input-wrap.new-amount-attention{border-radius:14px;animation:new-amount-pulse 1.7s ease-in-out infinite}.input-wrap.new-amount-attention input{border-color:var(--blue)}@keyframes new-amount-pulse{0%,100%{box-shadow:0 0 0 0 rgb(0 70 200 / .08)}50%{box-shadow:0 0 0 7px rgb(0 70 200 / .18)}}@media(prefers-reduced-motion:reduce){.input-wrap.new-amount-attention{animation:none;box-shadow:0 0 0 4px rgb(0 70 200 / .12)}.confetti i{animation-duration:.01ms!important;animation-iteration-count:1!important}}.lead-modal{position:fixed;inset:0;z-index:1000;display:none;align-items:center;justify-content:center;padding:22px;background:rgb(5 18 43 / .74);backdrop-filter:blur(6px)}.lead-modal.open{display:flex}.lead-dialog{width:min(960px,100%);max-height:92vh;overflow:auto;position:relative;border-radius:24px;background:#fff;box-shadow:0 28px 80px rgb(0 0 0 / .32);display:grid;grid-template-columns:35fr 65fr}.lead-close{position:absolute;right:16px;top:14px;z-index:4;width:38px;height:38px;border:0;border-radius:50%;background:#eef2f7;color:var(--navy);font-size:25px;line-height:1;cursor:pointer}.lead-celebrate{position:relative;overflow:hidden;padding:46px 34px;background:linear-gradient(150deg,var(--navy),#123f88);color:#fff}.lead-celebrate .lead-icon{width:58px;height:58px;border-radius:18px;display:grid;place-items:center;background:var(--lime);color:var(--navy);font-size:30px;margin-bottom:24px}.lead-icon svg{width:32px;height:32px}.lead-celebrate h2{font-size:30px;line-height:1.08;margin:0 0 14px}.lead-celebrate p{color:rgb(255 255 255 / .82);margin:0}.lead-saving{font-size:36px;font-weight:900;color:var(--lime);margin:20px 0 3px;line-height:1}.lead-saving-label{font-size:13px;color:rgb(255 255 255 / .7)}.lead-form-side{padding:46px 44px 36px}.lead-form-side h2{font-size:28px;line-height:1.18;margin:0 40px 8px 0;color:var(--navy)}.lead-intro{margin:0 0 22px;color:var(--muted)}.lead-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.lead-form-grid .wide{grid-column:1/-1}.lead-form-grid .field{margin:0}.lead-submit{width:100%;border:0;border-radius:12px;padding:15px 20px;background:var(--blue);color:#fff;font:inherit;font-weight:800;cursor:pointer}.lead-submit:disabled{opacity:.6;cursor:wait}.lead-trust{display:flex;gap:16px;flex-wrap:wrap;margin-top:16px;color:var(--muted);font-size:12px;font-weight:700}.lead-trust span{display:inline-flex;align-items:center;gap:6px}.lead-trust svg{width:16px;height:16px;flex:none;color:var(--good)}.lead-consent{display:flex;align-items:center;gap:9px;font-size:12px;line-height:18px;color:var(--muted);font-weight:400}.lead-consent input{appearance:auto;-webkit-appearance:checkbox;-moz-appearance:checkbox;width:18px;height:18px;margin:0;padding:0;flex:0 0 18px;cursor:pointer;accent-color:var(--blue);box-shadow:none}.lead-consent span{display:block;line-height:18px;cursor:pointer}.lead-data-note{font-size:12px;line-height:1.5;color:var(--muted);margin:0}.lead-status{min-height:22px;margin:10px 0 0;font-size:13px;font-weight:700;color:var(--good)}.lead-status.error{color:#b42318}.lead-success{display:none;text-align:center;padding:8px 0}.lead-form-side.submitted>h2,.lead-form-side.submitted>.lead-intro,.lead-form-side.submitted>#leadForm,.lead-form-side.submitted>.lead-trust{display:none}.lead-form-side.submitted .lead-success{display:block}.lead-success-icon{width:62px;height:62px;margin:0 auto 18px;border-radius:50%;display:grid;place-items:center;background:var(--lime);color:var(--navy);box-shadow:0 8px 24px rgb(196 240 0 / .35)}.lead-success-icon svg{width:32px;height:32px}.lead-success h2{margin:0 0 10px;font-size:27px;color:var(--navy)}.lead-success p{margin:0 auto 20px;max-width:480px;color:var(--muted)}.lead-success-share-label{font-size:13px;font-weight:800;color:var(--ink);margin-bottom:10px}.lead-success-shares{display:flex;justify-content:center;gap:8px;flex-wrap:wrap}.lead-success-share{width:43px;height:43px;border:0;border-radius:11px;display:grid;place-items:center;background:var(--navy);color:#fff;cursor:pointer;box-shadow:0 5px 14px rgb(10 31 68 / .2);transition:.16s}.lead-success-share:hover,.lead-success-share:focus-visible{background:var(--blue);transform:translateY(-2px);outline:none}.lead-success-share.copy{background:var(--lime);color:var(--navy)}.lead-success-share svg{width:20px;height:20px;fill:currentColor}.lead-success-share .stroke-icon{fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}body.modal-open{overflow:hidden}@media(max-width:760px){.lead-dialog{grid-template-columns:1fr}.lead-celebrate,.lead-form-side{padding:34px 24px}.lead-form-grid{grid-template-columns:1fr}.lead-form-grid .wide{grid-column:auto}.lead-celebrate h2,.lead-form-side h2{font-size:25px}}.share-rail{position:fixed;left:18px;top:50%;z-index:90;transform:translateY(-50%);display:flex;flex-direction:column;border:0;border-radius:14px;overflow:visible;box-shadow:0 0 0 4px rgb(255 255 255 / .24),0 14px 38px rgb(3 14 37 / .46),0 4px 12px rgb(10 31 68 / .3)}.share-button{width:46px;height:46px;border:0;border-bottom:1px solid rgb(255 255 255 / .24);display:grid;place-items:center;background:var(--navy);color:#fff;cursor:pointer;text-decoration:none;box-shadow:inset 0 1px 0 rgb(255 255 255 / .08);transition:background .16s,transform .16s,box-shadow .16s}.share-button:first-child{border-radius:13px 13px 0 0}.share-button:last-child{border-bottom:0;border-radius:0 0 13px 13px}.share-button:hover,.share-button:focus-visible{background:var(--blue);transform:translateX(3px);outline:none;box-shadow:inset 0 1px 0 rgb(255 255 255 / .16),0 4px 13px rgb(0 70 200 / .38)}.share-button svg{width:21px;height:21px;fill:currentColor}.share-button .stroke-icon{fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.share-button.more{background:var(--lime);color:var(--navy);border-radius:0 0 13px 13px}.share-button.more:hover,.share-button.more:focus-visible{background:var(--lime-dark)}.share-more-menu{position:absolute;left:55px;bottom:0;display:none;width:185px;padding:8px;border-radius:13px;background:#fff;box-shadow:0 12px 34px rgb(10 31 68 / .22);border:1px solid var(--line)}.share-more-menu.open{display:grid;gap:4px}.share-more-menu button{border:0;border-radius:9px;background:#fff;color:var(--ink);padding:10px 11px;text-align:left;font:inherit;font-size:13px;font-weight:700;cursor:pointer}.share-more-menu button:hover{background:#eef5ff;color:var(--blue)}.share-feedback{position:fixed;left:50%;bottom:22px;z-index:1200;transform:translate(-50%,20px);opacity:0;pointer-events:none;padding:10px 15px;border-radius:999px;background:var(--navy);color:#fff;font-size:13px;font-weight:700;transition:.2s}.share-feedback.show{opacity:1;transform:translate(-50%,0)}@media(max-width:1024px){.share-rail{position:relative;left:auto;top:auto;bottom:auto;transform:none;flex-direction:row;width:max-content;margin:0 auto 32px;box-shadow:0 0 0 4px rgb(255 255 255 / .24),0 14px 38px rgb(3 14 37 / .46),0 4px 12px rgb(10 31 68 / .3)}.share-button{width:44px;height:44px;border-bottom:0;border-right:1px solid rgb(255 255 255 / .18)}.share-button:first-child{border-radius:13px 0 0 13px}.share-button.more{border-radius:0 13px 13px 0;border-right:0}.share-button:hover,.share-button:focus-visible{transform:translateY(-2px)}.share-more-menu{left:auto;right:0;bottom:53px}}@media print{.share-rail,.share-feedback{display:none!important}}.results{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:34px;margin-top:24px;display:grid;grid-template-columns:1.1fr 1fr;gap:30px;align-items:center}@media(max-width:820px){.results{grid-template-columns:1fr;gap:20px}}.savings-headline{font-size:14px;text-transform:uppercase;letter-spacing:1px;color:rgb(255 255 255 / .7);font-weight:700;margin:0 0 6px}.savings-amount{font-size:clamp(40px,7vw,64px);font-weight:800;line-height:1;color:var(--lime);letter-spacing:-1px}.savings-amount.negative{color:#ff8a8a}.savings-amount .pa{font-size:20px;color:rgb(255 255 255 / .7);font-weight:600;margin-left:6px}.savings-note{margin:14px 0 0;font-size:14.5px;color:rgb(255 255 255 / .8);max-width:320px;white-space:pre-line}.breakdown{background:rgb(255 255 255 / .06);border-radius:14px;padding:6px 20px}.brow{display:flex;justify-content:space-between;align-items:center;padding:14px 0;border-bottom:1px solid rgb(255 255 255 / .12);font-size:14.5px}.brow:last-child{border-bottom:none}.brow .lbl{color:rgb(255 255 255 / .78)}.brow .val{font-weight:700;font-size:16px}.brow.total .lbl{font-weight:800;color:#fff}.brow.total .val{color:var(--lime);font-size:18px}.payoff-card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;margin-top:24px}.payoff-head{display:flex;justify-content:space-between;align-items:flex-start;gap:20px;margin-bottom:18px}.payoff-kicker{font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:1px;color:var(--blue);margin:0 0 5px}.payoff-card h2{font-size:24px;line-height:1.2;margin:0;color:var(--ink)}.payoff-summary{font-size:18px;font-weight:800;color:var(--good);margin:8px 0 0}.payoff-summary.slower{color:#b44141}.payoff-graph{border:1px solid var(--line);border-radius:14px;padding:12px;background:#fff}.payoff-graph svg{display:block;width:100%;height:auto}.payoff-note{font-size:12.5px;color:var(--muted);margin:12px 0 0}.btn-copy.compact{padding:11px 16px;font-size:14px;flex:0 0 auto}@media(max-width:620px){.payoff-head{display:grid}.payoff-head .btn-copy{width:100%;justify-content:center}}.disclaimer{max-width:1080px;margin:0 auto 60px;padding:0 24px}.disclaimer p{font-size:12.5px;color:var(--muted);line-height:1.6}.legal-links{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:14px;font-size:13px;font-weight:700}.legal-links a{color:var(--blue);text-underline-offset:3px}.footnote{font-size:12.5px;color:var(--muted);margin-top:8px}.seo-guide{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;margin-top:24px}.seo-guide h2{font-size:24px;margin:0 0 8px;color:var(--navy)}.seo-guide>p{color:var(--muted);margin:0 0 18px}.seo-guide h3{font-size:18px;margin:24px 0 8px;color:var(--navy)}.seo-guide .guide-steps{margin:0;padding-left:22px;color:var(--muted)}.seo-guide .guide-steps li{padding-left:4px;margin-bottom:10px}.seo-guide .guide-steps strong{color:var(--ink)}.seo-guide .guide-copy{color:var(--muted);margin:0 0 14px}.faq-list{display:grid;gap:10px}.faq-list details{border:1px solid var(--line);border-radius:12px;padding:0 16px;background:#fff}.faq-list summary{cursor:pointer;font-weight:800;padding:15px 0;color:var(--ink)}.faq-list details p{margin:0;padding:0 0 15px;color:var(--muted);font-size:14px}.editorial-section{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:30px;margin-top:24px}.editorial-section h2{font-size:clamp(24px,3vw,32px);line-height:1.2;color:var(--navy);margin:0 0 12px}.editorial-section h3{font-size:19px;line-height:1.3;color:var(--navy);margin:0 0 8px}.editorial-section p{margin:0 0 14px;color:var(--muted)}.section-kicker{font-size:12px;font-weight:800;letter-spacing:1.2px;text-transform:uppercase;color:var(--blue)!important;margin:0 0 8px!important}.section-intro{max-width:800px}.value-grid,.use-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:20px}.value-card,.use-card{border:1px solid var(--line);border-radius:14px;padding:18px;background:#fbfcff}.value-card p,.use-card p{margin:0;font-size:14px}.featured-figure{max-width:920px;margin:22px 0 26px}.featured-figure img{display:block;width:100%;height:auto;border-radius:16px;box-shadow:0 8px 24px rgb(10 31 68 / .16)}.featured-figure figcaption{margin-top:8px;color:var(--muted);font-size:13px}.value-card .card-number{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:9px;background:#eaf2ff;color:var(--blue);font-size:13px;font-weight:800;margin-bottom:12px}.guide-tabs{display:flex;gap:8px;overflow-x:auto;padding:3px 2px 12px;margin:18px 0 12px;scrollbar-width:thin}.guide-tab{flex:0 0 auto;max-width:260px;min-height:48px;border:1px solid #cad6e8;border-radius:12px;background:#f5f8fd;color:var(--navy);font:inherit;font-size:14px;font-weight:800;line-height:1.25;text-align:left;padding:10px 14px;cursor:pointer}.guide-tab[aria-selected="true"]{background:var(--navy);border-color:var(--navy);color:#fff}.guide-tab:focus-visible{outline:3px solid var(--blue);outline-offset:2px}.guide-panel{border:1px solid var(--line);border-radius:16px;padding:24px;background:#fff}.guide-panel[hidden]{display:none}.guide-panel .answer-first{font-size:16px;color:var(--ink);max-width:850px}.guide-panel ol.guide-steps{margin:14px 0 0;padding-left:22px;color:var(--muted)}.guide-panel ol.guide-steps li{margin-bottom:9px;padding-left:4px}.guide-panel ol.guide-steps strong{color:var(--ink)}.guide-visuals{display:grid;gap:16px;margin:20px 0;min-width:0}.guide-figure{margin:0;min-width:0}.guide-shot-scroll{width:100%;max-width:100%;overflow-x:auto;border-radius:16px;border:1px solid var(--line);background:#f4f7fc}.guide-shot{position:relative;min-width:760px;overflow:hidden;isolation:isolate}.guide-shot[data-layout="tall"]{aspect-ratio:1100/760}.guide-shot[data-layout="basics"]{aspect-ratio:1100/500}.guide-shot[data-layout="results"]{aspect-ratio:1100/780}.guide-shot[data-layout="payoff"]{aspect-ratio:1100/725}.guide-shot img{position:absolute;display:block;object-fit:contain}.guide-shot[data-layout="tall"] img{left:2%;top:3%;width:48%;height:94%}.guide-shot[data-layout="basics"] img{left:4%;top:24%;width:92%;height:60%}.guide-shot[data-layout="results"] img{left:4%;top:3%;width:92%;height:76%}.guide-shot[data-layout="payoff"] img{left:4%;top:3%;width:92%;height:73%}.guide-shot svg{position:absolute;inset:0;width:100%;height:100%;pointer-events:none}.shot-label{position:absolute;border:1px solid #aac8f4;border-radius:12px;background:#f0f6ff;padding:10px 12px;color:var(--navy);font-size:13px;line-height:1.3;box-shadow:0 4px 12px rgb(10 31 68 / .08)}.shot-label strong{display:block;font-size:14px;margin-bottom:3px}.shot-label .number{display:inline-grid;place-items:center;width:22px;height:22px;margin-right:6px;border-radius:50%;background:var(--blue);color:#fff;font-size:12px}.guide-figure figcaption{font-size:12.5px;color:var(--muted);margin-top:7px}.guide-link{display:inline-flex;align-items:center;gap:6px;color:var(--blue);font-weight:800;text-decoration:underline;text-underline-offset:3px}.method-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:18px}.method-item{border:1px solid #dce4f0;border-radius:12px;padding:16px;background:#f8faff}.method-item p{margin:0;font-size:14px}.method-note{border-radius:12px;background:#eef5ff;padding:16px;margin-top:18px;color:var(--ink);font-size:14px}.method-grid+.method-note{margin-top:32px}.readiness-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:20px 0 28px}.readiness-card{border:1px solid var(--line);border-radius:14px;padding:18px;background:#fbfcff}.readiness-card p{font-size:14px;margin:0}.process-list{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px;list-style:none;margin:18px 0 0;padding:0;counter-reset:refinance-step}.process-list+.method-note{margin-top:24px}.process-list li{counter-increment:refinance-step;position:relative;isolation:isolate;overflow:hidden;border-top:3px solid var(--lime);border-radius:0 0 10px 10px;background:#f8faff;padding:18px 12px 14px}.process-list li::before{content:counter(refinance-step,decimal-leading-zero);position:absolute;top:0;right:8px;color:rgb(0 70 200 / .04);font-size:clamp(64px,7vw,92px);font-weight:900;line-height:1;letter-spacing:-.08em;pointer-events:none;z-index:0}.process-list strong{position:relative;z-index:1;display:block;color:var(--navy);font-size:15px;line-height:1.35;margin-bottom:6px}.process-list span{position:relative;z-index:1;display:block;color:var(--muted);font-size:13px;line-height:1.55}.faq-section .faq-list{margin-top:18px}.faq-section .faq-list details{padding:0 18px}.faq-section .faq-list summary{display:flex;align-items:center;justify-content:space-between;gap:14px;list-style:none;font-size:16px;padding:18px 0}.faq-section .faq-list summary::-webkit-details-marker{display:none}.faq-section .faq-list summary::after{content:'+';flex:0 0 auto;font-size:25px;color:var(--blue);line-height:1}.faq-section .faq-list details[open] summary::after{content:'−'}.faq-section .faq-list .faq-answer{padding:0 0 18px;max-width:870px}.faq-section .faq-list .faq-answer p{font-size:14px;line-height:1.65;padding:0;margin:0 0 10px}.faq-section .faq-list .faq-answer p:last-child{margin-bottom:0}.editorial-section a{color:var(--blue)}.about-author{display:grid;grid-template-columns:auto 1fr;gap:18px;align-items:start;margin-top:18px}.author-avatar{width:96px;height:96px;border-radius:50%;object-fit:cover;object-position:center 35%;border:3px solid #e8f1ff;box-shadow:0 6px 18px rgb(10 31 68 / .12)}.about-author .author-cta{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 20px;border-radius:12px;background:var(--lime);color:var(--navy);font-size:14px;font-weight:800;text-decoration:none;box-shadow:0 6px 16px rgb(10 31 68 / .14);transition:transform .2s,box-shadow .2s}.about-author .author-cta:hover{transform:translateY(-2px);box-shadow:0 10px 20px rgb(10 31 68 / .2)}.about-author .author-cta:focus-visible{outline:3px solid var(--blue);outline-offset:3px}.about-author p:last-child{margin-bottom:0}.contact-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:20px}.contact-card{border:1px solid var(--line);border-radius:14px;padding:22px;background:#f8faff}.contact-card-top{display:flex;align-items:center;gap:12px;margin-bottom:14px}.contact-icon{display:grid;place-items:center;flex:0 0 44px;width:44px;height:44px;border-radius:12px;background:var(--navy);color:#fff;box-shadow:0 4px 10px rgb(10 31 68 / .1)}.contact-icon svg{display:block;width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.contact-card h3{font-size:14px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:0}.contact-card a{display:inline-block;font-size:clamp(18px,2vw,24px);font-weight:800;overflow-wrap:anywhere;text-underline-offset:4px}.contact-card p{font-size:14px;margin:10px 0 0}.contact-form-panel{margin-top:18px;border:1px solid var(--line);border-radius:16px;background:#f8faff;padding:clamp(20px,3vw,30px)}.contact-form-panel h3{font-size:23px;margin:0 0 8px}.contact-form-panel .lead-intro{max-width:720px}.contact-form-panel .lead-form-grid{max-width:760px}.contact-form-panel .lead-submit{max-width:260px}.contact-form-success[hidden]{display:none}.contact-form-success{max-width:760px}.contact-form-success h3{margin:0 0 8px}.contact-form-success p{margin:0}@media(max-width:900px){.process-list{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:700px){.editorial-section{padding:20px;margin-top:18px}.value-grid,.use-grid,.method-grid,.contact-grid,.readiness-grid,.process-list{grid-template-columns:1fr}.guide-panel{padding:16px}.about-author{grid-template-columns:1fr}.about-author .author-cta{width:100%}.guide-shot-scroll::after{content:'Swipe to inspect the screenshot →';display:block;padding:7px 12px;color:var(--muted);font-size:12px}}.actions{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px 28px;margin-top:24px;display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:end}@media(max-width:820px){.actions{grid-template-columns:1fr}}.actions .field{margin-bottom:0}.action-buttons{grid-column:1/-1;display:flex;gap:12px;justify-content:flex-end;flex-wrap:wrap}.results .actions{grid-column:1/-1;background:#fff0;box-shadow:none;border-radius:0;border-style:solid;border-color:var(--lime);border-width:0;margin:0;padding:24px 0 0}.results .actions label{color:#fff}.results .actions label .hint{color:rgb(255 255 255 / .6)}.results .actions input{background:rgb(255 255 255 / .08);border-color:rgb(255 255 255 / .2);color:#fff}.results .actions input::placeholder{color:rgb(255 255 255 / .48)}.results .actions .btn-copy{background:#fff;color:var(--navy);box-shadow:0 6px 16px rgb(0 0 0 / .18)}.results .actions .btn-copy:hover{box-shadow:0 10px 22px rgb(0 0 0 / .24)}.btn-print,.btn-copy{border:none;cursor:pointer;white-space:nowrap;font-family:inherit;font-size:16px;font-weight:800;letter-spacing:.3px;padding:15px 26px;border-radius:12px;display:inline-flex;align-items:center;gap:10px;transition:transform .12s,box-shadow .12s}.btn-print{background:var(--lime);color:var(--navy);box-shadow:0 6px 16px rgb(196 240 0 / .35)}.btn-copy{background:var(--navy);color:#fff;box-shadow:0 6px 16px rgb(10 31 68 / .18)}.btn-print:hover{transform:translateY(-1px);box-shadow:0 10px 22px rgb(196 240 0 / .45)}.btn-copy:hover{transform:translateY(-1px);box-shadow:0 10px 22px rgb(10 31 68 / .25)}.btn-print:disabled,.btn-copy:disabled{opacity:.5;cursor:not-allowed;box-shadow:none;transform:none}.btn-print svg,.btn-copy svg{width:18px;height:18px}.card-copy-row{margin-top:auto;padding-top:18px}.card-copy-row .btn-copy{width:100%;justify-content:center}@media(max-width:820px){.action-buttons{grid-column:auto;display:grid;grid-template-columns:minmax(0,1fr);width:100%;justify-content:stretch}.action-buttons .btn-print,.action-buttons .btn-copy{width:100%}.btn-print,.btn-copy{justify-content:center}.results .actions #copyBtn{display:none}}@media(max-width:820px){.hero{padding:42px 20px 82px}.wrap{margin-top:-52px;padding:0 16px}.grid{gap:16px}.shared{margin-bottom:16px}.card{padding:24px}.results{padding:26px;margin-top:18px}.savings-note{max-width:none}.payoff-card{padding:24px;margin-top:18px}}@media(max-width:560px){:root{--radius:15px}.hero{padding:28px 16px 72px}.hero::after{width:220px;height:220px;right:-95px;top:-85px}.brand{font-size:13px;padding:6px 13px;margin-bottom:18px}.hero h1{font-size:30px;line-height:1.08}.hero p{font-size:16px;line-height:1.45}.wrap{margin-top:-44px;margin-bottom:40px;padding:0 12px}.card{padding:20px}.card .sub{font-size:20px;margin-bottom:18px;flex-wrap:wrap}.row2{grid-template-columns:1fr;gap:12px}.field{margin-bottom:15px}input,select{min-height:50px}.results{padding:20px;gap:18px;border-radius:15px}.savings-headline{font-size:12px}.savings-amount{font-size:clamp(34px,11vw,46px);letter-spacing:-.7px}.savings-amount .pa{font-size:16px;margin-left:4px}.savings-note{font-size:14px;line-height:1.55}.breakdown{padding:4px 14px}.brow{gap:12px;padding:12px 0;font-size:13px;align-items:flex-start}.brow .lbl{min-width:0}.brow .val{font-size:14px;white-space:nowrap;text-align:right}.brow.total .val{font-size:16px}.results .actions{padding-top:18px;gap:12px}.action-buttons{width:100%;gap:10px}.btn-print,.btn-copy{width:100%;min-height:50px;padding:13px 16px;font-size:15px;white-space:normal;text-align:center}.payoff-card{padding:20px}.payoff-head{gap:12px;margin-bottom:14px}.payoff-card h2{font-size:21px}.payoff-summary{font-size:17px}.payoff-graph{padding:7px}.payoff-note{line-height:1.55}.disclaimer{padding:0 12px;margin-bottom:40px}.disclaimer p{font-size:11.5px}}@media(max-width:380px){.hero h1{font-size:27px}.card,.results,.payoff-card{padding:16px}.savings-amount{font-size:32px}.breakdown{padding:4px 12px}.brow{font-size:12.5px}.brow .val{font-size:13.5px}}#report{display:none}@media print{@page{size:A4;margin:14mm}body{background:#fff}.site-header,.hero,.wrap,.disclaimer,.no-print{display:none!important}#report{display:block!important;max-width:none!important}#report .r-head{padding-bottom:8px!important;margin-bottom:8px!important}#report .r-title{font-size:20px!important}#report .r-hero{padding:12px 18px!important;margin-bottom:10px!important}#report .r-hero .big{font-size:30px!important}#report h3{margin:10px 0 5px!important}#report table{font-size:11.5px!important}#report th,#report td{padding:3.5px 8px!important}#report .charts{gap:0!important}#report .chart-card{padding:6px 9px!important}#report .chart-card .c-title{margin-bottom:1px!important}#report .chart-card .c-sub{margin-bottom:5px!important}#report .chart-card svg{width:100%!important;height:auto!important;margin:0 auto!important}#report .r-disc{position:fixed;left:0;right:0;bottom:0;margin:0!important;padding-top:8px!important;font-size:9.5px!important;line-height:1.45!important;background:#fff}#report .r-head,#report .r-hero,#report table,#report .chart-card,#report .r-disc{break-inside:avoid;page-break-inside:avoid}}#report{color:var(--ink);font-family:inherit;max-width:820px;margin:0 auto}#report .r-head{display:flex;justify-content:space-between;align-items:flex-start;border-bottom:3px solid var(--navy);padding-bottom:16px;margin-bottom:22px}#report .r-brand{font-size:15px;font-weight:800;text-transform:lowercase;letter-spacing:.5px;color:var(--navy)}#report .r-title{font-size:26px;font-weight:800;margin:6px 0 0;letter-spacing:-.5px}#report .r-meta{font-size:12.5px;color:var(--muted);text-align:right;line-height:1.7}#report .r-meta strong{color:var(--ink)}#report .r-hero{background:var(--navy);color:#fff;border-radius:14px;padding:22px 26px;margin-bottom:24px;display:flex;justify-content:space-between;align-items:center;gap:20px;-webkit-print-color-adjust:exact;print-color-adjust:exact}#report .r-hero .lbl{font-size:12px;text-transform:uppercase;letter-spacing:1px;color:rgb(255 255 255 / .7);font-weight:700;margin:0 0 4px}#report .r-hero .big{font-size:40px;font-weight:800;line-height:1;color:var(--lime);letter-spacing:-1px}#report .r-hero .big.negative{color:#ff8a8a}#report .r-hero .sidestat{text-align:right;font-size:13px;color:rgb(255 255 255 / .85);line-height:1.9}#report .r-hero .sidestat b{color:#fff;font-size:15px}#report h3{font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin:26px 0 12px}#report table{width:100%;border-collapse:collapse;font-size:14px}#report th,#report td{text-align:left;padding:11px 12px;border-bottom:1px solid var(--line)}#report th{font-size:11px;text-transform:uppercase;letter-spacing:.5px;color:var(--muted)}#report td.num,#report th.num{text-align:right;font-variant-numeric:tabular-nums;font-weight:600}#report tr.r-total td{border-top:2px solid var(--navy);border-bottom:none;font-weight:800;font-size:15px}#report tr.r-total td.save{color:var(--good)}#report .charts{display:grid;grid-template-columns:1fr;gap:26px;margin-top:6px}#report .chart-card{border:1px solid var(--line);border-radius:12px;padding:16px 18px}#report .chart-card .c-title{font-size:14px;font-weight:800;margin:0 0 2px}#report .chart-card .c-sub{font-size:12px;color:var(--muted);margin:0 0 10px}#report svg{width:100%;height:auto;display:block}#report .r-disc{margin-top:26px;padding-top:14px;border-top:1px solid var(--line);font-size:11px;color:var(--muted);line-height:1.6}.explore-section{margin:28px 0 0;padding:30px;background:#fff;border:1px solid #e3e8f0;border-radius:18px;box-shadow:0 10px 30px rgb(10 31 68 / .06)}.explore-section .explore-kicker{font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#0046c8;margin:0 0 8px}.explore-section h2{font-size:clamp(24px,3vw,30px);line-height:1.2;color:#0a1f44;margin:0 0 10px}.explore-section .explore-intro{font-size:15px;line-height:1.6;color:#5b6b86;margin:0 0 22px;max-width:740px}.explore-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.explore-section .explore-card{position:relative;border:1px solid #dce4f0;border-radius:13px;background:#f8faff;padding:20px;transition:border-color .15s,box-shadow .15s}.explore-section .explore-card:hover,.explore-section .explore-card:focus-within{border-color:#0046c8;box-shadow:0 4px 14px rgb(10 31 68 / .08)}.explore-section h3{font-size:17px;line-height:1.35;margin:0 0 9px}.explore-section h3 a{display:flex;align-items:start;justify-content:space-between;gap:12px;color:#0a1f44;text-decoration:none;font-weight:800}.explore-section h3 a::after{content:"";position:absolute;inset:0;border-radius:13px}.explore-section h3 a:focus-visible{outline:3px solid #0046c8;outline-offset:4px}.explore-section .explore-arrow{display:grid;place-items:center;flex:0 0 28px;width:28px;height:28px;border-radius:50%;background:#c4f000;color:#0a1f44;font-size:18px;line-height:1}.explore-section .explore-arrow svg{display:block;width:17px;height:17px}.explore-section .explore-card p{margin:0;font-size:14px;line-height:1.6;color:#5b6b86}.explore-links{display:flex;align-items:baseline;gap:12px 24px;flex-wrap:wrap;border-top:1px solid #e3e8f0;padding-top:18px;margin-top:22px;font-size:13px}.explore-links strong{color:#0a1f44;min-width:128px}.explore-links div{display:flex;gap:10px 20px;flex-wrap:wrap}.explore-links a{color:#0046c8;text-decoration:underline;text-underline-offset:3px}.explore-links a:hover{color:#0a1f44}.explore-links a:focus-visible{outline:3px solid #0046c8;outline-offset:3px}.explore-policies{border-top:0;margin-top:13px;padding-top:0}.explore-articles{margin-top:28px;padding-top:26px;border-top:1px solid #e3e8f0}.article-links-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:18px}.article-link-card{display:flex;flex-direction:column;overflow:hidden;border:1px solid #dce4f0;border-radius:16px;text-decoration:none;background:#fff;line-height:1.5;box-shadow:0 4px 14px rgb(10 31 68 / .035);transition:border-color .18s,box-shadow .18s}.article-card-image{position:relative;display:block;overflow:hidden;background:#e8edf4;aspect-ratio:8/5}.article-card-image img{display:block;width:100%;height:100%;object-fit:cover;transition:transform .3s}.article-category{position:absolute;left:16px;bottom:14px;padding:5px 9px;border-radius:6px;background:#fff;color:#0a1f44;font-size:10px;font-weight:800;letter-spacing:.05em;text-transform:uppercase}.article-card-copy{display:flex;flex-direction:column;gap:10px;padding:22px;flex:1}.article-link-card strong{color:#0a1f44;font-size:18px;line-height:1.4}.article-summary{color:#5b6b86;font-size:13px}.article-author{color:#62718a;font-size:11px;padding-top:3px}.article-link-card .article-read{display:flex;align-items:center;justify-content:space-between;gap:12px;color:#0046c8;font-size:13px;font-weight:800;margin-top:auto;padding-top:15px;border-top:1px solid #e6ebf3}.article-read svg{width:20px;height:20px}.article-link-card:hover{border-color:#9ab0d2;box-shadow:0 10px 26px rgb(10 31 68 / .09)}.article-link-card:hover img{transform:scale(1.025)}.article-link-card:focus-visible{outline:3px solid #0046c8;outline-offset:3px}@media(prefers-reduced-motion:reduce){.article-link-card,.article-card-image img{transition:none}.article-link-card:hover img{transform:none}}@media(max-width:620px){.article-links-grid{grid-template-columns:1fr}}@media(max-width:620px){.explore-section{padding:22px}.explore-grid{grid-template-columns:1fr}.explore-section .explore-card{padding:17px}.explore-links{display:block}.explore-links strong{display:block;margin-bottom:10px}}@media print{.explore-section{display:none!important}}.menu-toggle{display:none}.menu-toggle:not([hidden]){display:inline-flex}.site-header .header-links,.site-header .back-link{margin-left:auto}.menu-toggle,.menu-close{align-items:center;justify-content:center;flex:none;width:44px;height:44px;padding:10px;border:1px solid rgb(255 255 255 / .5);border-radius:10px;background:#fff0;color:#fff;cursor:pointer}.menu-toggle svg,.menu-close svg{display:block;width:22px;height:22px}.menu-toggle:hover,.menu-close:hover{background:rgb(255 255 255 / .1);border-color:#c4f000}.menu-toggle:focus-visible,.site-menu a:focus-visible,.menu-close:focus-visible{outline:3px solid #c4f000;outline-offset:3px}.site-menu{position:fixed;inset:0 0 0 auto;margin:0;width:min(88vw,380px);max-width:none;height:100%;height:100dvh;max-height:none;padding:24px 22px max(28px,env(safe-area-inset-bottom));border:0;border-left:1px solid rgb(255 255 255 / .15);background:#0a1f44;color:#fff;box-shadow:-15px 0 50px rgb(0 0 0 / .25);overflow-y:auto;overscroll-behavior:contain}.site-menu[open]{animation:menu-slide-in .2s ease-out}.site-menu::backdrop{background:rgb(3 14 37 / .65)}.site-menu-heading{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:24px}.site-menu .site-menu-heading h2{margin:0;font-size:20px;line-height:1.2;color:#fff}.site-menu-heading form{margin:0}.menu-close{display:flex}.site-menu nav h3{margin:24px 0 8px;font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#c4f000}.site-menu nav ul{list-style:none;margin:0;padding:0}.site-menu nav li{margin:0;border-bottom:1px solid rgb(255 255 255 / .13)}.site-menu nav a{display:flex;align-items:center;min-height:46px;padding:12px 4px;color:#fff;font-size:14px;font-weight:600;line-height:1.4;text-decoration:none;border-radius:4px}.site-menu nav a:hover{color:#c4f000;background:rgb(255 255 255 / .05)}.site-menu nav a[aria-current="page"]{color:#c4f000}html.site-menu-open,html.site-menu-open body{overflow:hidden}@keyframes menu-slide-in{from{transform:translateX(100%)}to{transform:translateX(0)}}@media(max-width:620px){.site-header .site-header-inner{flex-direction:row;align-items:center;gap:12px}.site-header .header-links,.site-header .back-link{display:none}.menu-toggle:not([hidden]){display:inline-flex}.site-header .brand{font-size:16px;gap:8px}.site-header .brand img{width:34px;height:34px}}@media(max-width:360px){.site-header .brand{font-size:13px}}@media(min-width:621px) and (max-width:820px){.site-header .brand{font-size:16px}.site-header .header-guide-link{font-size:13px;padding:10px 12px}.site-header .site-header-inner{gap:12px}}@media(prefers-reduced-motion:reduce){.site-menu[open]{animation:none}}@media print{.site-menu,.menu-toggle{display:none!important}}body :is(.card,.legal-card,.value-card,.use-card,.guide-panel,.readiness-card,.method-item,.explore-section,.article-link-card,.visual-scenarios,.visual-journey,.feature-visual,.scenario-panel,.scenario-dashboard,.guide-overview,.tool,.guide-checklist,.payoff-graph,.editorial-section,.action-image-scroll),body .guide-layout article,body .offers fieldset{border:0!important}body :is(.card,.legal-card,.guide-panel,.guide-layout article){box-shadow:0 12px 36px #0a1f4409}body :is(.readiness-card,.method-item,.guide-checklist){background:#f0f4f8}body .guide-overview{box-shadow:0 5px 22px #0a1f4408}body .guide-hero .guide-hero-copy nav{margin:18px 0 24px}body .tool-page .breadcrumb{margin:18px 0}body .feature-explore{padding:34px;background:#0a1f44;color:#fff;border-radius:22px;overflow:hidden;box-shadow:none}.feature-explore .explore-kicker{color:#c4f000;font-size:10px;letter-spacing:.16em;margin-bottom:18px}.feature-explore-intro{display:grid;grid-template-columns:1.2fr 1fr;gap:60px;align-items:end;margin-bottom:28px}.feature-explore .feature-explore-intro h2{color:#fff;font-size:clamp(26px,3vw,36px);line-height:1.12;letter-spacing:-.035em;max-width:440px;margin:0}.feature-explore-intro>p{font-size:13px;line-height:1.8;color:#dce6f5;margin:0}.feature-explore-intro>p a{color:#c4f000;text-underline-offset:3px}.feature-link-copy .feature-link-author{display:flex;align-items:center;gap:9px}.feature-link-author img{display:block;width:28px;height:28px;object-fit:cover;border-radius:50%;flex:none}.feature-explore .carousel-heading h2{font-size:12px!important;font-weight:500;color:#c8d5e4;margin:0}.feature-explore .carousel-controls button{background:#ffffff12;border:0;color:#fff}.feature-explore .carousel-controls button:hover{background:#ffffff25}.feature-explore .carousel-controls button:focus-visible{outline-color:#c4f000}.feature-explore .carousel-status{color:#cfdeeb}.feature-explore .carousel-progress{background:#ffffff14}.feature-explore .carousel-progress>span{background:#c4f000}.feature-explore .article-links-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.feature-explore .is-carousel>.article-link-card{flex:0 0 calc((100% - 18px)/2)}.feature-explore .link-feature-card{position:relative;display:flex;flex-direction:column;min-height:550px;padding:0;border-radius:18px;background:#102b50;color:#fff;text-decoration:none;overflow:hidden;box-shadow:none;isolation:isolate;transform:none}.feature-explore .link-feature-card:hover{background:#14335b;box-shadow:0 12px 28px #0003}.feature-link-copy{display:flex;flex-direction:column;position:relative;padding:28px;z-index:2;gap:14px}.feature-link-kicker{font-size:9px;text-transform:uppercase;letter-spacing:.12em;color:#c4f000;font-weight:700}.feature-explore .link-feature-card h3,.feature-explore .link-feature-card strong{display:block;font-size:clamp(23px,2.5vw,29px);line-height:1.2;letter-spacing:-.025em;margin:0;color:#fff;font-weight:750}.feature-explore .link-feature-card h3 a{color:#fff;font-size:inherit;display:block}.feature-explore .link-feature-card h3 a::after{inset:-200px;z-index:4}.feature-explore .link-feature-card p,.feature-link-description{font-size:13px;line-height:1.7;color:#e0e8f3;margin:0}.feature-link-action{display:inline-flex;align-items:center;gap:12px;font-size:11px;font-weight:750;color:#fff;margin-top:5px}.feature-link-action svg{width:16px;height:16px}.feature-link-author{font-size:10px;color:#ccdae9}.feature-brand-art{position:absolute;top:0;right:0;width:190px;height:150px;transform:rotate(180deg);pointer-events:none;z-index:1}.link-feature-tool .feature-brand-art{top:165px;width:150px;height:118px}.feature-ui-preview{z-index:2}.feature-ui-preview{position:relative;background:#eaf0f8;margin:auto 18px 18px;padding:17px;border-radius:13px;color:#0a1f44}.feature-preview-label{display:block;font-size:7px;font-weight:700;letter-spacing:.04em;color:#365273;margin-bottom:14px}.feature-ui-preview img{display:block;width:100%;height:225px;object-fit:contain;object-position:top;background:#fff;border-radius:8px;box-shadow:0 8px 22px #0a1f4420}.feature-preview-caption{display:flex;align-items:center;gap:8px;font-size:9px;padding:10px 12px;background:#fff;border-radius:8px;margin:-4px 0 0 22px;position:relative;box-shadow:0 5px 14px #0a1f4417}.feature-preview-caption svg{width:18px;height:18px;color:#0a1f44;flex:none;background:#c4f000;border-radius:5px;padding:3px;box-sizing:content-box}.feature-photo{position:absolute;inset:0;z-index:0}.feature-photo img{width:100%;height:100%;object-fit:cover}.feature-photo::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,#0a1f4408 12%,#0a1f448a 45%,#0a1f44 85%)}.link-feature-photo .feature-link-copy{margin-top:auto;padding-top:150px}.feature-link-icon{display:grid;place-items:center;background:#c4f000;color:#0a1f44;width:40px;height:40px;border-radius:10px;margin-bottom:6px}.feature-explore .link-feature-card:focus-visible,.feature-explore .link-feature-card:focus-within{outline:3px solid #c4f000;outline-offset:-4px}@media(max-width:760px){body .feature-explore{padding:24px 18px}.feature-explore-intro{grid-template-columns:1fr;gap:16px}.feature-explore .article-links-grid{grid-template-columns:1fr}.feature-explore .is-carousel>.article-link-card{flex-basis:100%}.feature-explore .link-feature-card{min-height:520px}.feature-link-copy{padding:24px}.feature-explore .carousel-heading{align-items:center}.feature-explore .carousel-heading h2{max-width:120px;line-height:1.5}.feature-ui-preview img{height:210px}.feature-ui-preview{margin:0 14px 14px;margin-top:auto}.feature-explore .link-feature-card strong,.feature-explore .link-feature-card h3{font-size:25px}}@media print{.feature-explore{display:none}}.wrap #benefits .value-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.benefit-story{grid-row:span 2;position:relative;isolation:isolate;border-radius:18px;overflow:hidden;display:flex;align-items:flex-end;min-height:550px;background:#0a1f44}.benefit-story>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}.benefit-story::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,#0a1f4420,#0a1f44 80%);z-index:-1}.benefit-story>div{padding:28px}.benefit-story .visual-kicker{color:#c4f000}.wrap #benefits .benefit-story h3{color:#fff;font-size:28px;line-height:1.2}.benefit-story p{color:#d9e4f3!important;font-size:13px!important}.benefit-story ul{list-style:none;padding:16px;margin:24px 0;background:#fff;border-radius:10px;font-size:12px}.benefit-story li{display:flex;align-items:center;gap:10px;padding:9px 0;color:#0a1f44}.benefit-story li svg{width:17px;color:#367f6c}.benefit-story a{color:#fff;font-weight:700;font-size:12px;text-underline-offset:5px}.wrap #benefits .value-card{padding:20px;background:#eaf0f6}.wrap #benefits .value-card:nth-child(2),.wrap #benefits .value-card:nth-child(3){background:#fff}.wrap #benefits .value-card h3{font-size:17px;margin:18px 0 10px}.wrap #benefits .value-card p{font-size:12px;line-height:1.75}.wrap #benefits .feature-visual{padding:14px;min-height:140px}.wrap #benefits .cost-stack{margin:18px 0 12px}.wrap #benefits .cost-stack span{font-size:8px;padding:9px 4px}.wrap #benefits .recovery-equation{margin:16px 0;gap:4px}.wrap #benefits .recovery-equation b{font-size:18px}.wrap #benefits .feature-equity{gap:12px;flex-wrap:wrap}.wrap #benefits .lvr-donut{width:82px;height:82px;flex-basis:82px}.wrap #benefits .lvr-donut>span{width:60px;height:60px;font-size:7px}.wrap #benefits .lvr-donut b{font-size:21px}body .journey-interactive{background:#edf2f6;padding:38px}.journey-interactive h2,.quick-start h2{font-size:clamp(26px,3vw,34px);line-height:1.15;letter-spacing:-.03em;margin:0 0 14px;color:#0a1f44}.journey-lead{font-size:14px;line-height:1.7;color:#5b6b86;max-width:560px}.journey-tabs{display:flex;position:relative;width:60%;margin:32px 0 25px;gap:0}.journey-tabs::before{content:'';position:absolute;left:12.5%;right:12.5%;top:9px;height:2px;background:#cdd8e3}.journey-tabs button{flex:1;position:relative;background:#fff0;border:0;font:inherit;font-size:11px;color:#52657e;padding:0 3px;cursor:pointer}.journey-tabs button>span{display:block;width:18px;height:18px;background:#fff;box-shadow:0 0 0 2px #d2dde8;border-radius:50%;margin:0 auto 15px}.journey-tabs button[aria-selected="true"]{color:#0a1f44;font-weight:800}.journey-tabs button[aria-selected="true"]>span{background:#c4f000;box-shadow:0 0 0 4px #c4f000}.journey-tabs button:focus-visible{outline:3px solid #0046c8;outline-offset:6px;border-radius:4px}.journey-stage{display:grid;grid-template-columns:1.3fr .8fr;gap:30px;margin-top:20px}.journey-stage[hidden]{display:none}.journey-stage-card{padding:28px;background:#fff;border-radius:18px;box-shadow:0 8px 22px #0a1f4409}.stage-badge{display:inline-block;padding:5px 10px;background:#e8f2dc;color:#38583a;font-size:10px;border-radius:20px;font-weight:700}.journey-stage h3{font-size:23px;line-height:1.3;letter-spacing:-.025em;margin:20px 0 14px}.journey-stage p{font-size:13px;line-height:1.8;color:#5b6b86}.stage-checks{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:22px 0}.stage-checks h4{font-size:9px;letter-spacing:.12em;text-transform:uppercase;color:#32695b;margin:0 0 12px}.stage-checks ul{list-style:none;padding:0;margin:0}.stage-checks li{display:flex;gap:8px;font-size:11px;line-height:1.6;margin:8px 0;color:#435975}.stage-checks svg{width:15px;height:15px;flex:none;color:#398875;margin-top:2px}.journey-stage-photo{position:relative;margin:-83px 0 0;min-height:350px;overflow:hidden;border-radius:18px}.journey-stage-photo>img{width:100%;height:100%;position:absolute;inset:0;object-fit:cover}.journey-stage-photo figcaption{position:absolute;bottom:16px;left:12px;right:12px;background:#0a1f44e8;color:#fff;display:flex;gap:10px;align-items:center;padding:14px;border-radius:10px;font-size:10px;line-height:1.6}.journey-stage-photo figcaption svg{flex:none;color:#c4f000;width:18px}.quick-start{padding:36px 0;margin:24px 0}.quick-start ol{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;list-style:none;padding:0;margin:32px 0}.quick-start li{border-top:2px solid #d7e1ed;padding-top:16px}.quick-start li:first-child{border-color:#3c8172}.quick-start li>span{font-size:32px;line-height:1;font-weight:800;color:#3c8172}.quick-start h3{font-size:16px;margin:12px 0}.quick-start p{font-size:13px;line-height:1.75;color:#5b6b86}.quick-start-image{position:relative;border-radius:20px;overflow:hidden;height:300px}.quick-start-image>img{width:100%;height:100%;object-fit:cover;object-position:center 48%}.quick-start-overlay{position:absolute;bottom:24px;left:24px;right:24px;background:#ffffffed;border-radius:12px;padding:20px;display:flex;align-items:center;gap:16px;box-shadow:0 8px 24px #0a1f4417}.quick-start-overlay>svg{color:#357d6c;flex:none}.quick-start-overlay strong,.quick-start-overlay span{display:block}.quick-start-overlay strong{font-size:18px}.quick-start-overlay span{font-size:12px;margin-top:5px;color:#5b6b86}.quick-start-overlay a{margin-left:auto;display:flex;align-items:center;gap:10px;background:#0a1f44;color:#fff;padding:12px 16px;border-radius:8px;font-size:11px;white-space:nowrap;text-decoration:none}@media(max-width:1000px){.wrap #benefits .value-grid{grid-template-columns:1fr 1fr}.benefit-story{grid-row:auto;grid-column:1/-1;min-height:340px}.benefit-story>div{max-width:520px}.benefit-story ul{display:flex;flex-wrap:wrap;gap:12px;margin:15px 0}.journey-stage{grid-template-columns:1.2fr .8fr;gap:20px}.stage-checks{grid-template-columns:1fr}.journey-stage-card{padding:24px}}@media(max-width:760px){body .journey-interactive{padding:24px 20px}.journey-tabs{width:100%}.journey-stage{grid-template-columns:1fr}.journey-stage-photo{margin:0;min-height:240px}.stage-checks{grid-template-columns:1fr 1fr}.quick-start ol{grid-template-columns:1fr;gap:14px}.quick-start li{display:grid;grid-template-columns:42px 1fr;gap:0 12px}.quick-start li>span{grid-row:span 2}.quick-start h3{margin:0 0 8px}.quick-start p{margin:0}.quick-start-image{height:300px}.quick-start-overlay{left:14px;right:14px;bottom:14px;padding:18px;flex-wrap:wrap}.quick-start-overlay>svg{display:none}.quick-start-overlay a{margin-left:0}.wrap #benefits .value-grid{grid-template-columns:1fr}.benefit-story{grid-column:auto}.wrap #benefits .feature-equity{flex-wrap:nowrap}.quick-start-overlay strong{font-size:17px}}@media(max-width:360px){.stage-checks{grid-template-columns:1fr}.journey-stage-card{padding:20px}.feature-link-copy{padding:22px}.feature-explore .link-feature-card h3,.feature-explore .link-feature-card strong{font-size:22px}}body :is(.contact-card,.contact-form-panel,.chart-card,.guide-shot-scroll,.shot-label),body .faq-list details,body .faq details{border:0!important}body :is(.contact-card,.contact-form-panel){background:#f0f4f8}body .faq-list details,body .faq details{background:#f0f4f8}.feature-explore .feature-link-action svg{color:#c4f000}.feature-explore .carousel-controls button:hover{background:#c4f000;color:#0a1f44}@media(max-width:760px){.feature-brand-art{width:150px;height:118px}.link-feature-tool .feature-brand-art{top:190px;width:120px;height:94px}}body #refinance-checklist.checklist-redesign{padding:36px;background:#edf2f8;box-shadow:none}.readiness-heading{display:grid;grid-template-columns:1.15fr 1fr;gap:36px;align-items:center;margin-bottom:32px}#refinance-checklist .readiness-heading h2{font-size:clamp(27px,3vw,35px);line-height:1.15;letter-spacing:-.025em;margin-bottom:18px}#refinance-checklist .section-intro{font-size:14px;line-height:1.8;margin:0}.readiness-kit{position:relative;isolation:isolate;overflow:hidden;background:#0a1f44;border-radius:18px;padding:26px;color:#fff}.readiness-kit .feature-brand-art{width:120px;height:94px;opacity:.45}.readiness-kit-copy{position:relative;z-index:2}.readiness-kit-kicker{display:block;font-size:9px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#c4f000;max-width:230px}#refinance-checklist .readiness-kit h3{color:#fff;font-size:20px;margin:12px 0 20px}.readiness-kit ul{list-style:none;padding:0;margin:0 0 20px}.readiness-kit li{display:flex;align-items:center;gap:12px;padding:12px 0;border-bottom:1px solid #ffffff1c;font-size:12px}.readiness-kit li>svg{width:18px;height:18px;flex:none;color:#c4f000}.readiness-kit li>svg:last-child{margin-left:auto;width:14px;height:14px}.readiness-kit a{display:inline-flex;gap:10px;align-items:center;color:#fff;font-size:12px;font-weight:700;text-underline-offset:5px}.readiness-kit a svg{width:16px;color:#c4f000}#refinance-checklist .readiness-grid{gap:18px;margin:0 0 30px}#refinance-checklist .readiness-card{display:flex;gap:18px;padding:26px;background:#fff;border-radius:16px}.readiness-icon{display:grid;place-items:center;width:42px;height:42px;flex:0 0 42px;border-radius:11px;background:#edf4d6;color:#0a1f44}.readiness-label{display:block;color:#54718f;font-size:9px;letter-spacing:.12em;text-transform:uppercase;font-weight:800;margin:0 0 8px}#refinance-checklist .readiness-card h3{font-size:18px;line-height:1.35;margin:0 0 12px}#refinance-checklist .readiness-card p{font-size:13px;line-height:1.8}.refinance-process{background:#0a1f44;border-radius:18px;padding:28px;color:#fff}.process-heading{display:flex;justify-content:space-between;gap:25px;align-items:center;margin-bottom:30px}#refinance-checklist .process-heading .section-kicker{color:#c4f000;font-size:9px;margin-bottom:10px}#refinance-checklist .process-heading h3{color:#fff;font-size:21px;line-height:1.3;margin:0}.process-heading>a{display:flex;gap:10px;align-items:center;color:#fff;font-size:11px;white-space:nowrap;text-underline-offset:5px}.process-heading>a svg{width:16px;color:#c4f000}#refinance-checklist .process-list{gap:20px;margin:0;grid-template-columns:repeat(5,minmax(0,1fr))}#refinance-checklist .process-list li{padding:0;border:0;background:#fff0;border-radius:0;overflow:visible;isolation:auto}#refinance-checklist .process-list li::before{content:'';position:absolute;top:18px;left:38px;right:-20px;height:1px;background:#4a6180;z-index:0}#refinance-checklist .process-list li:last-child::before{display:none}.process-node{position:relative;z-index:1;display:grid;place-items:center;width:36px;height:36px;margin-bottom:18px;background:#c4f000;color:#0a1f44;border-radius:50%;font-size:12px;font-weight:800;font-style:normal}#refinance-checklist .process-list strong{color:#fff;font-size:13px;line-height:1.4;margin-bottom:10px}#refinance-checklist .process-list span{color:#c9d6e8;font-size:11px;line-height:1.8}#refinance-checklist>.method-note{font-size:11px;line-height:1.7;margin:20px 0 0}body #method.method-redesign{background:#fff;padding:36px}.method-heading{display:flex;align-items:center;justify-content:space-between;gap:28px;margin-bottom:18px}#method .method-heading h2{font-size:clamp(27px,3vw,35px);line-height:1.15;letter-spacing:-.025em;max-width:690px;margin:0}.method-heading-icon{display:grid;place-items:center;width:64px;height:64px;flex:none;background:#c4f000;border-radius:18px;color:#0a1f44}.method-heading-icon svg{width:32px;height:32px}#method .section-intro{font-size:14px;line-height:1.8;max-width:860px}#method .method-grid{display:block;margin-top:30px;background:#0a1f44;border-radius:18px;padding:6px 26px;overflow:hidden}#method .method-item{display:grid;grid-template-columns:1.2fr 1fr;gap:28px;align-items:center;background:#fff0;border-radius:0;padding:26px 0;border-bottom:1px solid #ffffff24!important}#method .method-item:last-child{border-bottom:0!important}.method-explanation{display:flex;gap:16px;align-items:flex-start}.method-icon{display:grid;place-items:center;width:36px;height:36px;border-radius:10px;background:#173761;color:#c4f000;flex:none}#method .method-item h3{font-size:18px;color:#fff;margin:0 0 10px}#method .method-item p{font-size:12px;line-height:1.8;color:#c9d6e8;margin:0}.method-equation{display:flex;align-items:center;justify-content:center;gap:10px;flex-wrap:wrap;padding:20px;background:#14335b;border-radius:12px;font-size:12px;color:#fff;line-height:1.6;text-align:center}.method-equation b{font-size:22px;color:#c4f000;font-weight:500}.method-equation span{max-width:120px}.method-limits{display:flex;gap:15px;align-items:flex-start;margin-top:24px;padding:22px;background:#edf2f8;border-radius:14px}.method-limits-icon{color:#54718f;flex:none}.method-limits .method-note{font-size:11px;line-height:1.8;margin:0 0 12px}.method-limits .method-note:last-child{margin-bottom:0}.site-header .menu-toggle{margin-left:auto}@media(max-width:900px){.readiness-heading{grid-template-columns:1fr}.readiness-kit{max-width:none}.readiness-kit ul{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.readiness-kit li{align-items:flex-start;line-height:1.6}.readiness-kit li>svg:last-child{display:none}#refinance-checklist .process-list{grid-template-columns:1fr;gap:24px}#refinance-checklist .process-list li{padding-left:56px;min-height:56px}.process-node{position:absolute;left:0;top:0}#refinance-checklist .process-list li::before{left:18px;right:auto;top:38px;bottom:-24px;height:auto;width:1px}#refinance-checklist .process-list strong{font-size:15px;margin-bottom:5px}#refinance-checklist .process-list span{font-size:12px}#method .method-item{grid-template-columns:1fr;gap:18px}.method-equation{justify-content:flex-start;text-align:left;margin-left:52px}.method-equation span{max-width:none}}@media(max-width:600px){body #refinance-checklist.checklist-redesign,body #method.method-redesign{padding:24px 18px}.readiness-heading{gap:24px}.readiness-kit{padding:22px}.readiness-kit ul{display:block}.readiness-kit li>svg:last-child{display:block}#refinance-checklist .readiness-grid{grid-template-columns:1fr;gap:12px}#refinance-checklist .readiness-card{padding:22px 18px;gap:14px}.readiness-icon{width:34px;height:34px;flex-basis:34px}.readiness-icon svg{width:19px}#refinance-checklist .readiness-card h3{font-size:17px}.process-heading{display:block}.process-heading>a{margin-top:16px}.refinance-process{padding:24px 20px}.method-heading-icon{display:none}#method .method-grid{padding:0 20px}.method-equation{margin-left:0;padding:16px;font-size:11px;gap:8px}.method-limits{padding:18px}.method-limits-icon{display:none}}#refinance-checklist .process-heading p.section-kicker{color:#c4f000!important}#method .method-limits .method-note{background:#fff0;padding:0}.method-equation .formula-part{display:inline-flex;align-items:center;gap:10px;max-width:none}.method-equation .formula-part>span{max-width:125px}.visual-kicker{display:block;color:#31597c;font-size:10px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:12px}.hero .hero-content{grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:42px}.hero .hero-actions{grid-column:1/-1;justify-content:flex-start;margin-top:-14px}.hero .hero-actions .hero-action{padding:0;background:none;border:0;font-size:12px;box-shadow:none}.hero h1{font-size:clamp(36px,4vw,51px);letter-spacing:-.035em;line-height:1.08}.hero .hero-copy>p:first-of-type{font-size:16px;max-width:560px}.hero .hero-copy>p:first-of-type::after{display:none}.hero .hero-nav{gap:7px}.hero .hero-nav a{font-size:11px;padding:7px 10px}.hero .visual-hero{position:relative;min-height:390px;isolation:isolate}.hero-house-photo{position:absolute;right:6px;top:0;width:77%;height:245px;object-fit:cover;border-radius:100px 20px 20px 20px;opacity:.95}.visual-orbit{position:absolute;width:330px;height:330px;left:30px;top:35px;border:1px solid rgb(196 240 0 / .5);border-radius:50%;z-index:-1}.hero-ui-card{position:absolute;left:0;bottom:27px;width:82%;padding:22px;border-radius:16px;background:#fff;color:#0a1f44;box-shadow:0 18px 45px #03122b50;transform:rotate(-3deg)}.mini-topline{display:flex;align-items:center;justify-content:space-between;font-size:10px;font-weight:700;gap:12px}.mini-topline svg{width:18px;flex:none}.mini-metric{margin:20px 0 18px}.mini-metric>span{display:block;font-size:11px;color:#60738e}.mini-metric strong{font-size:43px;line-height:1.2;letter-spacing:-.04em}.mini-metric strong span{font-size:14px;color:#60738e;font-weight:500;margin-left:6px}.mini-bars>div{display:flex;flex-wrap:wrap;justify-content:space-between;font-size:10px;margin-top:13px;gap:6px}.mini-bars i{display:block;width:var(--bar);height:7px;background:#b7c6dd;border-radius:10px}.mini-bars>div:last-child i{background:#0046c8}.hero-ui-card p{font-size:9px!important;margin:14px 0 0;color:#60738e}.hero-float{position:absolute;right:-5px;bottom:0;display:flex;gap:10px;align-items:center;padding:13px;background:#c4f000;border:1px solid #dbff51;border-radius:12px;color:#0a1f44;box-shadow:0 8px 18px #071d4230;font-size:9px}.hero-float strong{display:block;font-size:17px}.visual-spark{position:absolute;left:2px;top:25px;font-size:60px;line-height:1;color:#c4f000;transform:rotate(12deg)}.hero-start{display:inline-flex;align-items:center;gap:12px;background:#c4f000;color:#0a1f44;font-weight:800;font-size:14px;padding:13px 18px;border-radius:10px;text-decoration:none;margin:20px 0 0}.hero-start:hover{background:#d6ff24}.hero-start:focus-visible{outline:3px solid #fff;outline-offset:4px}.visual-scenarios,.visual-journey{margin:32px 0;padding:40px;border:1px solid #dde5ef;border-radius:22px;background:#fff;overflow:hidden}.visual-section-heading{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:end;margin-bottom:26px}.visual-section-heading h2,.journey-intro h2{font-size:clamp(26px,3vw,36px);line-height:1.2;letter-spacing:-.025em;margin:0;color:#0a1f44}.visual-section-heading>p,.journey-intro p{font-size:14px;color:#60718a;line-height:1.75;margin:0}.scenario-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px}.scenario-tabs button{font:inherit;font-size:12px;font-weight:700;padding:10px 14px;border:1px solid #cfdaea;border-radius:9px;background:#fff;color:#223958;cursor:pointer}.scenario-tabs button[aria-selected="true"]{background:#0a1f44;border-color:#0a1f44;color:#fff}.scenario-tabs button:focus-visible{outline:3px solid #0046c8;outline-offset:3px}.scenario-panel{display:grid;grid-template-columns:.85fr 1.15fr;gap:30px;align-items:center;margin-top:20px;padding:28px;border:1px solid #e0e7ef;border-radius:16px;background:#f7f9fc}.scenario-panel[hidden]{display:none}.scenario-copy h3{font-size:22px;margin:0 0 20px;color:#0a1f44}.scenario-copy dl{margin:0}.scenario-copy dl>div{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid #dee6ef;padding:10px 0;font-size:13px}.scenario-copy dd{margin:0;font-weight:800;color:#0a1f44}.scenario-copy p{font-size:12px;line-height:1.7;color:#5c6e87}.visual-text-link{display:inline-flex;align-items:center;gap:8px;color:#0046c8;font-size:12px;font-weight:700}.scenario-dashboard{padding:22px;background:#fff;border:1px solid #e0e7ef;border-radius:14px;box-shadow:0 8px 24px #0a1f4406;min-width:0}.dashboard-heading>span{display:block;font-size:11px;color:#61738c}.dashboard-heading>strong{display:block;font-size:34px;letter-spacing:-.03em;color:#0a1f44;margin-top:3px}.example-chart{display:block;width:100%;height:auto;margin:10px 0}.example-chart text{font:10px Arial,sans-serif;fill:#657690}.holding-control{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:11px;color:#415775}.holding-control[hidden]{display:none}.holding-control output{font-weight:800}.holding-control input{width:100%;accent-color:#0046c8;cursor:pointer}.scenario-live{font-size:11px!important;color:#35587a!important;margin:10px 0 0!important}.wrap #benefits{background:#fff0;border:0;box-shadow:none;padding:36px 0}.wrap #benefits h2{font-size:32px;letter-spacing:-.025em;max-width:680px}.wrap #benefits .value-grid{gap:20px}.wrap #benefits .value-card{position:relative;padding:26px;background:#fff;border-radius:18px;overflow:hidden}.wrap #benefits .card-number{display:none}.wrap #benefits .value-card h3{margin-top:20px}.feature-visual{min-height:185px;border:1px solid #dce5ef;border-radius:12px;padding:22px;background:#f1f5fb;color:#0a1f44;overflow:hidden}.feature-mini-label{display:block;font-size:9px;letter-spacing:.1em;font-weight:800;color:#506785}.cost-stack{display:flex;align-items:center;margin:30px 0 20px;gap:5px}.cost-stack span{padding:12px 8px;background:#0046c8;color:#fff;font-size:10px;border-radius:6px;flex:1;text-align:center}.cost-stack span:nth-child(2){background:#e1edba;color:#0a1f44}.cost-stack span:nth-child(3){background:#d3dff0;color:#0a1f44}.cost-total{display:flex;gap:8px;align-items:center;font-size:12px;font-weight:700}.feature-recovery{background:#0a1f44;color:#fff}.feature-recovery .feature-mini-label{color:#c4f000}.recovery-equation{display:flex;gap:10px;align-items:center;justify-content:space-between;margin:25px 0}.recovery-equation span{font-size:9px}.recovery-equation b{display:block;font-size:23px;letter-spacing:-.03em}.recovery-equation i{font-size:20px;font-style:normal;color:#c4f000}.recovery-track{position:relative;height:5px;background:#314867;border-radius:9px;margin-bottom:16px}.recovery-track>span{display:block;height:5px;width:58.333%;background:#c4f000}.recovery-track i{position:absolute;left:58.333%;top:-3px;width:11px;height:11px;background:#fff;border-radius:50%}.feature-visual small{display:block;font-size:9px;line-height:1.5}.feature-equity{display:flex;align-items:center;gap:23px;background:#eef4e9}.lvr-donut{display:grid;place-items:center;flex:0 0 123px;width:123px;height:123px;border-radius:50%;background:conic-gradient(#0046c8 0 75%,#c4f000 75% 100%)}.lvr-donut>span{display:grid;place-content:center;text-align:center;width:91px;height:91px;border-radius:50%;background:#eef4e9;font-size:9px}.lvr-donut b{font-size:29px;line-height:1.1}.feature-equity p{font-size:12px!important;line-height:1.8;margin:12px 0!important}.feature-path svg{display:block;width:100%;height:95px;margin-top:10px}.chart-legend{display:flex;gap:12px;font-size:9px;margin:8px 0}.chart-legend span::before{content:"";display:inline-block;width:12px;height:3px;background:#9aaac0;vertical-align:middle;margin-right:5px}.chart-legend span:last-child::before{background:#0046c8}.visual-journey{background:#f0f4e9}.journey-intro{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:20px}.journey-intro p{margin-top:16px}.journey-intro img{display:block;width:100%;height:auto;max-height:260px}.journey-timeline{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));list-style:none;padding:0;margin:25px 0 0;gap:20px}.journey-timeline li{position:relative;margin:0}.journey-node{position:relative;display:grid;place-items:center;width:45px;height:45px;border-radius:50%;background:#fff;border:1px solid #cddcbd;margin-bottom:20px;z-index:1}.journey-timeline li:not(:last-child)::before{content:"";position:absolute;top:22px;left:45px;width:calc(100% - 25px);border-top:1px dashed #a3b98c}.journey-timeline h3{font-size:16px;margin:8px 0;color:#0a1f44;line-height:1.4}.journey-timeline p{font-size:12px;color:#576e65;line-height:1.7}.journey-timeline a{display:inline-flex;align-items:center;gap:8px;font-size:11px;font-weight:700;color:#0046c8}.journey-timeline a svg{width:15px}.journey-timeline .visual-kicker{font-size:9px;margin:0}.holding-control input[type="range"]{appearance:auto;-webkit-appearance:auto;min-height:24px;height:24px;padding:0;border:0;box-shadow:none;background:#fff0;border-radius:0}.carousel-heading{display:flex;justify-content:space-between;gap:16px;align-items:center}.carousel-controls{display:flex;align-items:center;gap:10px;flex:none}.carousel-controls[hidden]{display:none}.carousel-controls button{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;border:1px solid #ccd7e7;background:#fff;color:#0a1f44;cursor:pointer}.carousel-controls button:disabled{opacity:.35;cursor:default}.carousel-controls button:focus-visible{outline:3px solid #0046c8;outline-offset:3px}.carousel-controls .carousel-prev svg{transform:rotate(180deg)}.carousel-status{font-size:11px;color:#5b6b86;min-width:34px;text-align:center}.carousel-viewport{overflow:hidden;margin-top:18px;padding:4px 2px 15px;touch-action:pan-y pinch-zoom}.article-links-grid.is-carousel{display:flex;overflow:visible;gap:18px;margin-top:0;will-change:transform}.is-carousel .article-link-card:focus-visible{outline-offset:-4px}.carousel-toggle .play-symbol{display:none}.carousel-toggle[aria-pressed="true"] .pause-symbol{display:none}.carousel-toggle[aria-pressed="true"] .play-symbol{display:block}.carousel-controls button[hidden]{display:none}.is-carousel>.article-link-card{flex:0 0 calc((100% - 36px)/3);min-width:0}.is-carousel .article-card-copy{padding:18px}.is-carousel .article-link-card strong{font-size:16px}.is-carousel .article-card-image{aspect-ratio:1.55}.carousel-progress{height:3px;background:#e1e8f2;margin-top:12px;border-radius:8px;overflow:hidden}.carousel-progress[hidden]{display:none}.carousel-progress>span{display:block;height:100%;background:#0046c8;width:20%;transition:width .2s}.guide-hero .guide-hero-inner:has(.guide-cover){display:grid;grid-template-columns:1.3fr .7fr;gap:30px;padding-right:0;align-items:center}.guide-hero .guide-hero-copy h1{font-size:clamp(30px,3.4vw,46px)}.guide-hero .guide-hero-copy .guide-intro{font-size:16px}.guide-cover{position:relative;isolation:isolate;margin:20px 0 35px}.guide-cover>img{display:block;width:100%;height:290px;object-fit:cover;border-radius:70px 16px 16px 16px}.guide-cover-label{position:absolute;bottom:-26px;left:-14px;display:flex;align-items:center;gap:12px;padding:15px 20px;background:#fff;color:#0a1f44;border-radius:12px;box-shadow:0 10px 30px #03122b25;font-size:10px}.guide-cover-label strong{display:block;font-size:17px;margin-top:3px}.cover-orbit{position:absolute;right:-22px;top:-22px;width:120px;height:120px;border:18px solid #c4f000;border-radius:50%;z-index:-1}.guide-roadmap{margin:30px 0;padding:24px;border:1px solid #dce5ef;border-radius:16px;background:#f8faff}.guide-roadmap ol{list-style:none;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;padding:0;margin:18px 0 0}.guide-roadmap li{margin:0}.guide-roadmap a{font-size:11px;line-height:1.6;color:#234166;text-decoration:none;display:block}.guide-roadmap a>span{display:block;font-size:22px;font-weight:800;color:#0046c8;margin-bottom:6px}.guide-roadmap a:hover{text-decoration:underline}.guide-reading{display:flex;align-items:center;gap:12px;font-size:11px;color:#5b6b86;padding:10px 0;margin-bottom:12px}.guide-reading[hidden]{display:none}.guide-reading progress{flex:1;height:5px;accent-color:#0046c8;max-width:200px}.checklist-meter{display:block;width:100%;height:8px;margin:8px 0 20px;accent-color:#0046c8}.tool-visual-intro{max-width:630px;margin:0 0 24px}.tool-visual-intro .feature-visual{min-height:150px}.tool-visual-intro .feature-equity{justify-content:center;gap:40px}.tool-visual-intro .cost-stack{margin:18px 0}.tool-visual-intro .recovery-equation{margin:18px 0}@media(max-width:1000px){.hero .hero-content{gap:24px;grid-template-columns:1.1fr .9fr}.hero .visual-hero{min-height:340px}.hero-ui-card{padding:17px;width:90%}.hero-house-photo{height:200px}.hero h1{font-size:38px}.is-carousel>.article-link-card{flex-basis:calc((100% - 18px)/2)}.guide-hero .guide-hero-inner:has(.guide-cover){grid-template-columns:1fr .7fr;gap:24px}.guide-cover>img{height:240px}}@media(max-width:760px){.hero .hero-content{grid-template-columns:1fr}.hero .visual-hero{min-height:300px;max-width:420px;width:100%;margin:10px auto 0}.hero .hero-actions{margin:0}.hero-house-photo{height:200px;width:70%}.hero-ui-card{width:76%;padding:18px;bottom:24px}.mini-metric{margin:12px 0}.mini-metric strong{font-size:34px}.mini-bars>div{margin-top:8px}.hero-float{right:0;bottom:0}.hero h1{font-size:38px}.visual-scenarios,.visual-journey{padding:24px;margin:24px 0}.visual-section-heading,.scenario-panel,.journey-intro{grid-template-columns:1fr;gap:22px}.scenario-panel{padding:20px}.scenario-dashboard{padding:18px}.journey-intro img{max-height:210px}.journey-timeline{grid-template-columns:repeat(2,minmax(0,1fr));gap:25px}.journey-timeline li:nth-child(2)::before{display:none}.guide-hero .guide-hero-inner:has(.guide-cover){grid-template-columns:1fr}.guide-cover{max-width:420px;margin:10px auto 35px;width:100%}.guide-cover>img{height:190px}.guide-roadmap ol{grid-template-columns:repeat(2,minmax(0,1fr))}.wrap #benefits h2{font-size:28px}.wrap #benefits .value-grid{grid-template-columns:1fr}.feature-equity{gap:18px}.carousel-heading{align-items:flex-start}.carousel-heading h2{font-size:24px!important}.carousel-controls{gap:5px}.carousel-status{display:none}}@media(max-width:520px){.hero h1{font-size:32px}.hero .hero-nav a{font-size:10px}.visual-scenarios,.visual-journey{padding:22px 18px}.visual-section-heading h2,.journey-intro h2{font-size:27px}.scenario-tabs{display:grid;grid-template-columns:1fr;gap:6px}.scenario-tabs button{text-align:left}.scenario-panel{padding:16px}.scenario-copy h3{font-size:21px}.is-carousel>.article-link-card{flex-basis:100%}.carousel-controls button{width:32px;height:32px}.carousel-controls svg{width:18px}.journey-timeline{gap:20px 14px}.journey-timeline h3{font-size:15px}.guide-cover-label{left:8px}.feature-visual{padding:18px}.feature-equity{flex-wrap:wrap;justify-content:center;text-align:center}.recovery-equation{gap:5px}.recovery-equation b{font-size:20px}.cost-stack span{font-size:9px;padding:12px 5px}.wrap #benefits .value-card{padding:20px}.visual-orbit{width:270px;height:270px;left:12px}.hero-ui-card .mini-topline{font-size:9px}.hero-float{font-size:8px;padding:11px}.hero-float strong{font-size:15px}.hero .hero-start{font-size:13px;padding:11px 15px}}@media(prefers-reduced-motion:reduce){.carousel-progress>span{transition:none}.article-links-grid.is-carousel{scroll-behavior:auto}}@media print{.visual-hero,.hero-start,.carousel-controls,.carousel-progress,.guide-reading,.holding-control{display:none!important}.carousel-viewport{overflow:visible}.article-links-grid.is-carousel{display:grid;overflow:visible;transform:none!important}.is-carousel>.article-link-card[inert]{display:flex}.guide-cover{display:none}.visual-scenarios,.visual-journey{break-inside:avoid}.guide-hero .guide-hero-inner:has(.guide-cover){display:block}}