:root{--navy:#10243b;--navy-mid:#193550;--red:#b32c36;--red-hover:#98212b;--ink:#162b42;--muted:#46576b;--line:#dde3e9;--paper:#f4f6f8;--white:#fff;--serif:Georgia,'Times New Roman',serif;--sans:Arial,Helvetica,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;font-family:var(--sans);color:var(--ink);font-size:18px;line-height:1.6;background:var(--white)}[hidden]{display:none!important}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}a{color:inherit}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #c2525b;outline-offset:4px}img{max-width:100%;display:block}h1,h2,h3,h4,p{margin:0}h1,h2{font-family:var(--serif);font-weight:400;line-height:1.08;letter-spacing:-.045em}h2{font-size:clamp(36px,4vw,52px)}h3{font-size:27px;line-height:1.3;letter-spacing:-.03em}h4{font-size:19px}svg{display:block}.container{max-width:1200px;margin:auto;width:calc(100% - 80px)}.section{padding-top:72px;padding-bottom:68px}.eyebrow{font-size:14px;letter-spacing:.16em;font-weight:700;line-height:1.5;margin-bottom:22px;color:var(--red)}.eyebrow.light{color:#c5d0db}.red-line{display:inline-block;background:#df6169;width:28px;height:2px;vertical-align:middle;margin-right:12px}.button{display:inline-flex;align-items:center;justify-content:center;gap:24px;background:var(--navy);color:var(--white);border:1px solid var(--navy);font-weight:700;font-size:17px;line-height:1.4;min-height:48px;padding:14px 22px;border-radius:5px;text-decoration:none;transition:background .15s,transform .15s}.button:hover{background:var(--navy-mid);transform:translateY(-1px)}.button-red{background:var(--red);border-color:var(--red)}.button-red:hover{background:var(--red-hover);border-color:var(--red-hover)}.button-small{min-height:44px;padding:11px 16px;gap:16px}.button-outline{background:transparent;border-color:#8191a0}.button-outline:hover{background:#fff1}.button-quiet{background:transparent;color:var(--ink);border:0;font-size:16px;font-weight:700;min-height:44px;padding:8px 10px;text-decoration:underline;text-underline-offset:4px}.button-quiet:hover{color:var(--red)}.text-link{font-size:16px;font-weight:700;text-underline-offset:5px;padding:12px 0}.light-link{color:#e3eaf0}.skip-link{position:fixed;top:-100px;left:20px;padding:12px 20px;background:#fff;z-index:100}.skip-link:focus{top:10px}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}
.site-header{background:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid var(--line)}.header-inner{max-width:1360px;margin:auto;width:calc(100% - 64px);display:flex;align-items:center;justify-content:space-between;min-height:100px;gap:28px}.site-header nav{display:flex;gap:26px;align-items:center}.site-header nav>a:not(.button){font-size:15px;text-decoration:none;font-weight:700;padding:13px 0}.site-header nav>a:hover{color:var(--red)}.site-header nav>a.button:hover{color:#fff}/* Text masthead: larger title with a separate, readable byline. */
.brand{display:flex;flex-direction:column;align-items:flex-start;justify-content:center;gap:5px;padding:12px 0;text-decoration:none;flex-shrink:0}
.brand-title{display:block;font-family:var(--serif);font-size:36px;font-weight:700;line-height:1.08;letter-spacing:-.045em;white-space:nowrap;color:var(--navy)}
.brand-title em{color:var(--red);font-weight:400}
.brand-byline{display:flex;align-items:center;gap:5px;font-size:15px;font-weight:400;line-height:1.35;letter-spacing:.025em;color:var(--muted)}
.brand-byline::before{content:"";width:24px;height:2px;background:var(--red);margin-right:4px;flex-shrink:0}
.brand-byline strong{font-weight:700;color:var(--navy)}
.menu-toggle{display:none}
.hero{background:var(--navy);color:var(--white);overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.04fr 1fr;gap:44px;align-items:center;padding-top:64px;padding-bottom:60px}.hero h1{font-size:clamp(58px,5.7vw,78px)}.hero h1 em{font-weight:400;color:#e8edf2}.hero-description{color:#dce6f0;max-width:480px;font-size:18px;line-height:1.75;margin-top:27px}.hero-actions{display:flex;align-items:center;gap:22px;margin-top:32px;flex-wrap:wrap}.hero-note{font-size:14px;color:#abbac8;margin-top:23px;max-width:390px}.hero-visual{position:relative;padding-top:16px;min-width:0}.visual-label{font-size:13px;letter-spacing:.16em;color:#c9d5e0;margin:0 0 18px 13px;display:flex;align-items:center;gap:10px}.small-dot{width:6px;height:6px;background:#df6169;border-radius:50%}.document-card{background:#fff;border-radius:10px;padding:30px 30px 0;color:var(--ink);box-shadow:0 24px 50px #0002;position:relative}.document-card:before{content:'';position:absolute;top:13px;left:13px;right:13px;bottom:-10px;background:#69809a35;border-radius:8px;z-index:0;pointer-events:none}.doc-top,.doc-subtitle,.doc-tabs,#doc-panel,.doc-cta{position:relative}.doc-top{display:flex;align-items:center;justify-content:space-between;gap:12px}.doc-title{font-family:var(--serif);font-size:33px;letter-spacing:-.04em}.doc-badge{font-size:11px;letter-spacing:.1em;color:#768494;background:#eff2f5;padding:6px 9px;border-radius:3px;white-space:nowrap}.doc-subtitle{font-size:14px;color:var(--muted);margin:4px 0 24px}.doc-tabs{display:flex;gap:4px;border-bottom:1px solid var(--line);margin-bottom:16px}.doc-tabs button{flex:1;border:0;background:transparent;font-size:14px;font-weight:700;padding:10px 3px;min-height:44px;border-bottom:2px solid transparent;color:var(--muted)}.doc-tabs button[aria-selected=true]{color:var(--red);border-color:var(--red)}#doc-panel{min-height:0}.doc-lines{display:grid;gap:10px}.doc-line{padding:12px 14px;border:1px solid #e0e5ea;border-radius:4px;display:flex;align-items:center;justify-content:space-between;gap:14px;font-size:14px}.doc-line strong{font-size:14px;white-space:normal;text-align:right}.doc-line.highlighted{border-color:#bf3b46;background:#fff6f6;box-shadow:inset 3px 0 #bf3b46}.doc-explanation{font-size:15px;line-height:1.6;color:var(--muted);margin-top:15px;padding-bottom:16px}.doc-explanation strong{color:var(--ink)}.doc-cta{display:flex;align-items:center;justify-content:space-between;text-decoration:none;border-top:1px solid var(--line);padding:17px 0;font-weight:700;font-size:15px}.doc-cta:hover{color:var(--red)}.visual-caption{font-size:14px;color:#b4c4d4;margin:20px 0 0 14px;display:flex;gap:9px}.visual-caption span{font-size:22px;color:#df6169;line-height:1}.intro-strip{border-bottom:1px solid var(--line);background:#fafbfc}.strip-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:86px}.strip-inner p{font-size:15px;color:var(--muted)}.strip-inner p strong{color:var(--ink);margin-right:8px}.strip-inner div{display:flex;gap:25px;flex-shrink:0}.strip-inner a{font-size:14px;color:var(--muted);text-decoration:none}.strip-inner a:hover{color:var(--red)}
.section-heading{display:grid;grid-template-columns:1.2fr 1fr;gap:60px;align-items:end;margin-bottom:36px}.section-heading .eyebrow{margin-bottom:16px}.section-heading>p{font-size:18px;color:var(--muted);line-height:1.8;max-width:470px;margin-bottom:3px}.tool-shell{border:1px solid var(--line);border-radius:12px;overflow:hidden;background:#fff}.tool-top{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:24px 32px;background:#fafbfc;border-bottom:1px solid var(--line)}.tool-kicker{font-weight:700;font-size:13px;letter-spacing:.1em}.tool-top p{font-size:15px;color:var(--muted);margin-top:4px}.stepper{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-bottom:1px solid var(--line);background:#fff}.stepper button{display:flex;align-items:center;justify-content:center;gap:12px;padding:18px 10px;border:0;border-bottom:3px solid transparent;background:transparent;font-size:16px;color:var(--muted);font-weight:700;min-height:67px}.stepper button span{display:inline-flex;justify-content:center;align-items:center;width:25px;height:25px;border:1px solid #d9e1e8;border-radius:50%;font-size:14px;flex-shrink:0}.stepper button.active{color:var(--ink);border-bottom-color:var(--red);background:#fbfcfd}.stepper button.active span{background:var(--navy);border-color:var(--navy);color:#fff}.wizard-body{padding:30px 32px 25px}.wizard-lead{margin-bottom:25px}.wizard-lead h3{font-size:26px;margin-bottom:8px}.wizard-lead p{font-size:16px;line-height:1.8;color:var(--muted);max-width:770px}.shared-fields{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}.field{min-width:0}.field>label{font-size:15px;font-weight:700;display:block;margin-bottom:7px;line-height:1.5;min-height:18px}.input-wrap{position:relative}.input-wrap input,.input-wrap select{width:100%;height:47px;border:1px solid #cad3dd;border-radius:5px;background:#fff;color:var(--ink);padding:10px 12px;font-size:18px;min-width:0}.input-wrap input.has-prefix{padding-left:27px}.input-wrap input.has-suffix{padding-right:29px}.input-wrap span{position:absolute;top:50%;transform:translateY(-50%);color:#6b7888;font-size:16px;pointer-events:none}.input-prefix{left:12px}.input-suffix{right:12px}.input-wrap input[aria-invalid=true]{border-color:var(--red);background:#fff7f7}.field-note{font-size:13px;line-height:1.5;color:var(--muted);margin-top:6px}.field-error{font-size:14px;color:var(--red);line-height:1.5;margin-top:4px}.field-error:empty{display:none}.checklist{display:grid;gap:7px;margin-top:27px}.checklist label{display:flex;align-items:center;gap:12px;font-size:16px;min-height:44px;padding:5px 0;cursor:pointer}.checklist input{width:20px;height:20px;accent-color:var(--navy);flex-shrink:0}.callout{display:flex;gap:13px;padding:16px 19px;background:#f2f5f8;border:1px solid #e2e7ed;border-radius:5px;margin-top:24px}.callout p{font-size:15px;color:var(--muted);line-height:1.7}.callout strong{color:var(--ink)}.callout-mark{display:inline-flex;align-items:center;justify-content:center;font-family:var(--serif);font-style:italic;width:20px;height:20px;border:1px solid #aab8c5;border-radius:50%;flex-shrink:0;font-size:16px;margin-top:2px}.wizard-footer{display:flex;gap:20px;align-items:center;border-top:1px solid var(--line);padding-top:22px;margin-top:24px}.wizard-footer>span{font-size:14px;color:var(--muted);margin-left:auto}.wizard-footer .button{font-size:15px}.tool-disclosure{padding:18px 32px;background:#fafbfc;border-top:1px solid var(--line);font-size:13px;line-height:1.8;color:var(--muted)}.offer-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.offer-card{border:1px solid var(--line);border-radius:7px;padding:23px;background:#fafbfc}.offer-heading{display:flex;gap:13px;align-items:center;border-bottom:1px solid var(--line);padding-bottom:16px;margin-bottom:20px}.offer-letter{display:flex;align-items:center;justify-content:center;width:33px;height:33px;background:var(--navy);border-radius:5px;color:#fff;font-size:17px;font-weight:700}.offer-card:nth-child(2) .offer-letter{background:var(--red)}.offer-heading h4{font-size:18px}.offer-heading p{font-size:13px;color:var(--muted)}.offer-input-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:19px 15px}.offer-input-grid .field>label{font-size:14px}.explainer{margin-top:22px;border-top:1px solid var(--line)}.explainer summary{font-size:15px;font-weight:700;padding:16px 0;cursor:pointer;min-height:48px}.section-key{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;padding-bottom:15px}.section-key p{font-size:14px;line-height:1.7;color:var(--muted)}.section-key strong{display:block;color:var(--ink)}.form-error{font-size:15px;color:var(--red);margin-top:12px}.form-error:empty{display:none}.comparison-table{width:100%;border-collapse:collapse;font-size:16px;table-layout:fixed}.comparison-table th,.comparison-table td{text-align:right;padding:14px 10px;border-bottom:1px solid var(--line);word-wrap:break-word}.comparison-table th:first-child,.comparison-table td:first-child{text-align:left;width:44%}.comparison-table thead th{font-weight:700;background:#f2f5f8;font-size:15px}.comparison-table td:first-child{color:var(--muted)}.comparison-table .key-row{font-weight:700}.comparison-table .key-row td{color:var(--ink)}.comparison-insight{background:var(--navy);color:#fff;padding:23px 25px;margin-top:23px;border-radius:7px}.comparison-insight h4{font-family:var(--serif);font-size:28px;font-weight:400;letter-spacing:-.03em;margin-bottom:8px}.comparison-insight p{font-size:15px;color:#d1dbe6;line-height:1.8}.comparison-question{margin-top:20px;display:flex;align-items:center;justify-content:space-between;gap:24px}.comparison-question p{font-size:15px;color:var(--muted);max-width:650px}.comparison-question a{font-size:15px;font-weight:700;flex-shrink:0;text-underline-offset:4px}.comparison-subnote{font-size:13px;color:var(--muted);margin-top:15px;line-height:1.8}.inline-tip{display:grid;grid-template-columns:110px 1fr auto;align-items:center;gap:25px;padding:24px 0 0}.tip-number{font-size:12px;color:var(--red);font-weight:700;letter-spacing:.13em}.inline-tip p{font-size:15px;color:var(--muted);line-height:1.8}.inline-tip a{font-size:15px;font-weight:700;text-underline-offset:4px;white-space:nowrap}
.scenario-section{background:var(--paper);padding:70px 0 72px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.scenario-tabs{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));background:#eef1f5;border-bottom:1px solid var(--line);padding:7px;gap:7px}.scenario-tabs button{background:transparent;min-height:46px;border:0;border-radius:5px;color:var(--muted);font-size:16px;font-weight:700;padding:10px 8px}.scenario-tabs button[aria-selected=true]{background:#fff;color:var(--ink);box-shadow:0 2px 4px #10243b0a}.scenario-panel{display:grid;grid-template-columns:1.15fr 1fr;min-height:0}.scenario-inputs{padding:30px 32px}.panel-heading{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:6px}.panel-heading h3{font-size:24px}.panel-description{font-size:15px;color:var(--muted);line-height:1.8;margin-bottom:23px}.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 20px}.scenario-result{border-left:1px solid var(--line);background:#fafbfc;padding:35px 36px;min-width:0}.result-eyebrow{font-size:13px;letter-spacing:.1em;font-weight:700;color:var(--muted);line-height:1.6}.big-number{font-family:var(--serif);font-size:clamp(38px,4vw,52px);letter-spacing:-.045em;line-height:1.15;color:var(--navy);margin-top:10px}.number-unit{font-size:17px;color:var(--muted);letter-spacing:0;font-family:var(--sans)}.result-caption{font-size:14px;color:var(--muted);line-height:1.7;margin-top:9px}.stacked-bar{display:flex;min-height:8px;border-radius:4px;overflow:hidden;margin:24px 0 15px;background:#e1e6ec}.stacked-bar span{height:8px;min-width:1px}.bar-pi{background:var(--navy)}.bar-tax{background:#6786a5}.bar-insurance{background:#aebbc9}.bar-mi{background:var(--red)}.bar-hoa{background:#d7a2a6}.breakdown{margin:18px 0 0}.breakdown>div{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:9px 0;font-size:15px;border-bottom:1px solid #e4e9ee}.breakdown dt{color:var(--muted);display:flex;align-items:center;gap:8px}.breakdown dd{margin:0;font-weight:700;white-space:nowrap}.legend-dot{width:7px;height:7px;border-radius:50%;display:inline-block;flex-shrink:0}.result-note{padding-top:18px;font-size:14px;line-height:1.8;color:var(--muted)}.result-note strong{color:var(--ink)}.result-action{display:inline-block;margin-top:18px;font-weight:700;font-size:15px;color:var(--navy);text-underline-offset:4px}.tradeoff-cards{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:25px 0 20px}.tradeoff-cards>div{border:1px solid var(--line);border-radius:5px;padding:13px}.tradeoff-cards span{font-size:13px;color:var(--muted);display:block;margin-bottom:3px}.tradeoff-cards strong{font-family:var(--serif);font-size:25px;font-weight:400}.horizon-insight{background:#eaf0f5;border-left:3px solid #607d99;padding:12px 14px;font-size:14px;line-height:1.8;color:var(--muted)}.scenario-disclosure{display:flex;gap:12px;border-top:1px solid var(--line);padding:17px 30px;background:#fff}.scenario-disclosure>span{font-size:18px;color:#7b8997}.scenario-disclosure p{font-size:13px;color:var(--muted);line-height:1.8}.result-error{padding:50px 10px}.result-error h4{font-size:21px;margin-bottom:10px}.result-error p{font-size:16px;color:var(--muted)}
.glossary-toolbar{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-top:8px}.search-box{display:flex;align-items:center;gap:12px;border:1px solid #cbd5df;border-radius:6px;max-width:450px;width:100%;padding:0 15px}.search-box svg{width:19px;height:19px;fill:none;stroke:#718194;stroke-width:1.7;flex-shrink:0}.search-box input{min-width:0;border:0;outline:none;background:transparent;padding:13px 0;font-size:18px;width:100%;height:50px}.search-box:focus-within{outline:2px solid var(--red);outline-offset:2px}.filter-group{display:flex;gap:5px;background:var(--paper);padding:5px;border-radius:5px}.filter-group button{border:0;min-height:40px;padding:9px 14px;background:transparent;border-radius:4px;color:var(--muted);font-size:14px;font-weight:700;white-space:nowrap}.filter-group button[aria-pressed=true]{color:var(--ink);background:#fff;box-shadow:0 1px 4px #10243b12}.result-count{font-size:14px;color:var(--muted);margin:18px 0 15px}.glossary-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}.term-card{border:1px solid var(--line);border-radius:6px;padding:0 22px;align-self:start;background:#fff}.term-card[open]{border-color:#a6b7c9;box-shadow:0 3px 16px #10243b05}.term-card summary{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:19px 0;min-height:65px;cursor:pointer;list-style:none;font-size:18px;font-weight:700}.term-card summary::-webkit-details-marker{display:none}.term-card summary:after{content:'+';font-size:24px;line-height:1;font-weight:400;color:#6a7b8d}.term-card[open] summary:after{content:'−';color:var(--red)}.term-card p{font-size:16px;line-height:1.85;color:var(--muted);padding-bottom:18px}.term-card .ask-question{border-top:1px solid var(--line);padding:15px 0 19px;font-size:15px}.ask-question span{display:block;font-size:12px;color:var(--red);font-weight:700;letter-spacing:.12em;margin-bottom:6px}.empty-search{grid-column:1/-1;background:var(--paper);padding:28px;border-radius:6px}.empty-search h3{font-size:25px}.empty-search p{font-size:16px;color:var(--muted);margin:10px 0}.empty-search button{margin-top:10px}
.contact-section{background:var(--navy);color:#fff;padding:70px 0 72px}.contact-grid{display:grid;grid-template-columns:.68fr 1.32fr;gap:80px;align-items:center;max-width:1090px}.contact-portrait img{border-radius:50%;width:285px;height:285px;object-fit:cover;box-shadow:0 0 0 10px #fff06;margin:auto}.portrait-caption{font-size:19px;font-weight:700;text-align:center;margin-top:27px}.portrait-caption span{display:block;color:#aebecf;font-size:13px;font-weight:400;margin-top:4px}.contact-copy h2{font-size:clamp(38px,4.4vw,56px)}.contact-copy>p:not(.eyebrow){font-size:17px;color:#c1cfde;line-height:1.8;max-width:580px;margin-top:22px}.contact-buttons{display:flex;gap:13px;margin-top:28px;flex-wrap:wrap}.contact-copy .contact-email{font-size:14px!important;margin-top:20px!important;display:flex;align-items:center;gap:14px;flex-wrap:wrap}.contact-email a{text-decoration:none}.contact-email a:hover{text-decoration:underline}.contact-copy .contact-privacy{font-size:13px!important;color:#9aacc0!important;margin-top:19px!important;line-height:1.8}.site-footer{background:#fff;padding:42px 0 25px}.footer-top{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-bottom:26px}.footer-top strong{font-size:20px;letter-spacing:-.03em;display:block}.footer-top span{display:block;font-size:13px;color:var(--muted);margin-top:3px}.footer-top>a{font-size:14px;text-underline-offset:4px}.site-footer .container>p{font-size:14px;color:var(--muted);line-height:1.8;margin-top:15px}.site-footer .disclaimer{max-width:1040px;font-size:13px!important}.footer-details{border-top:1px solid var(--line);margin-top:25px}.footer-details summary{font-size:14px;padding:15px 0;cursor:pointer;min-height:48px}.footer-details>div{padding-bottom:15px;max-width:980px}.footer-details p{font-size:14px;color:var(--muted);line-height:1.9;margin:10px 0}.footer-details a{text-underline-offset:3px}.footer-bottom{display:flex;justify-content:space-between;gap:20px;align-items:center;border-top:1px solid var(--line);padding-top:22px;font-size:12px;color:var(--muted)}.footer-bottom a{text-decoration:none}.noscript{background:#fff7e9;padding:16px;position:fixed;bottom:0;width:100%;z-index:100;font-size:17px}
@media(min-width:1600px){.hero-grid{padding-top:100px;padding-bottom:90px}}
@media(max-width:1150px){.header-inner{width:calc(100% - 48px);gap:20px}.site-header nav{gap:18px}.site-header nav>a:not(.button){font-size:14px}.hero-grid{gap:45px}.hero h1{font-size:66px}.section-heading{gap:55px}.strip-inner div{gap:15px}.tool-top,.wizard-body,.tool-disclosure{padding-left:26px;padding-right:26px}}
@media(max-width:960px){.container{width:calc(100% - 48px)}.header-inner{min-height:85px}.menu-toggle{display:flex;align-items:center;gap:12px;border:1px solid var(--line);border-radius:5px;background:#fff;padding:8px 12px;min-height:44px;font-size:15px;color:var(--ink)}.site-header nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;padding:20px 24px;border-bottom:1px solid var(--line);box-shadow:0 12px 20px #10243b08}.site-header nav.open{display:flex;align-items:stretch;flex-direction:column;gap:5px}.site-header nav>a:not(.button){font-size:17px;padding:13px 0}.site-header nav .button{margin-top:10px}.hero-grid{gap:30px;padding-top:58px;padding-bottom:60px}.hero h1{font-size:56px}.hero-description{font-size:17px}.hero-actions{gap:10px}.hero-actions .text-link{font-size:14px}.document-card{padding:25px 22px 0}.doc-title{font-size:28px}.doc-badge{font-size:11px;padding:5px}.visual-label{font-size:11px}.doc-line{font-size:13px;padding:10px}.doc-line strong{font-size:13px}.doc-explanation{font-size:14px}#doc-panel{min-height:0}.strip-inner{padding:20px 0;flex-direction:column;align-items:flex-start;gap:12px}.section{padding-top:62px;padding-bottom:58px}.section-heading{gap:40px}.section-heading>p{font-size:16px}.scenario-section{padding:70px 0}.scenario-panel{grid-template-columns:1.1fr 1fr}.scenario-inputs,.scenario-result{padding:25px}.panel-heading h3{font-size:21px}.field-grid{gap:17px 13px}.contact-grid{gap:35px}.contact-portrait img{width:235px;height:235px}.inline-tip{grid-template-columns:90px 1fr;gap:18px}.inline-tip a{grid-column:2}.glossary-toolbar{align-items:flex-start;gap:15px;flex-direction:column}.filter-group{align-self:flex-start}.search-box{max-width:100%}.shared-fields{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:700px){html{scroll-padding-top:90px}.container{width:calc(100% - 36px)}.header-inner{width:calc(100% - 32px);min-height:76px}.menu-toggle{font-size:14px;padding:8px 10px;gap:8px}.hero-grid{grid-template-columns:minmax(0,1fr);gap:37px;padding-top:43px;padding-bottom:43px}.hero .eyebrow{font-size:12px;margin-bottom:23px}.hero h1{font-size:clamp(51px,12.5vw,70px)}.hero-description{font-size:17px;max-width:440px;margin-top:22px}.hero-actions{margin-top:26px;gap:17px}.hero-actions .text-link{font-size:15px}.hero-note{font-size:13px;max-width:330px;margin-top:19px}.hero-visual{padding-top:0;max-width:470px;width:100%;margin:auto}.visual-label{font-size:12px;margin-left:4px;margin-bottom:12px}.document-card{padding:24px 24px 0}.doc-title{font-size:33px}.doc-badge{font-size:11px}.doc-line{font-size:15px;padding:12px 14px}.doc-line strong{font-size:14px}.doc-explanation{font-size:15px}#doc-panel{min-height:0}.visual-caption{font-size:13px;margin-left:4px;margin-top:20px}.strip-inner p{font-size:14px}.strip-inner p strong{display:block;margin-bottom:3px}.strip-inner div{gap:21px}.strip-inner a{font-size:13px}.section{padding-top:44px;padding-bottom:44px}.section-heading{grid-template-columns:minmax(0,1fr);gap:20px;margin-bottom:26px}.section-heading h2{font-size:38px}.section-heading .eyebrow{font-size:12px;margin-bottom:13px}.section-heading>p{font-size:16px;max-width:480px}.tool-top{padding:18px 18px;align-items:flex-start;gap:10px}.tool-kicker{font-size:12px}.tool-top p{font-size:13px;max-width:200px}.tool-top .button-quiet{font-size:13px;padding:1px 3px;min-height:32px;white-space:nowrap}.stepper button{font-size:13px;flex-direction:column;gap:7px;padding:13px 4px;line-height:1.5;min-height:84px}.stepper button span{width:22px;height:22px;font-size:13px}.wizard-body{padding:22px 18px}.wizard-lead{margin-bottom:22px}.wizard-lead h3{font-size:24px}.wizard-lead p{font-size:15px}.shared-fields{gap:17px 13px}.field>label{font-size:14px}.checklist{margin-top:21px}.checklist label{font-size:15px;align-items:flex-start;line-height:1.7}.checklist input{margin-top:2px}.callout{padding:13px 14px;gap:10px;margin-top:20px}.callout p{font-size:14px}.wizard-footer{gap:8px;padding-top:19px;margin-top:20px;flex-wrap:wrap}.wizard-footer .button{padding:13px 15px;font-size:14px}.wizard-footer>span{font-size:13px}.wizard-footer .button-quiet{font-size:14px;padding-left:0;padding-right:7px}.tool-disclosure{padding:15px 18px;font-size:12px}.offer-grid{grid-template-columns:minmax(0,1fr);gap:16px}.offer-card{padding:18px}.offer-input-grid{gap:17px 13px}.offer-heading{padding-bottom:13px;margin-bottom:17px}.section-key{grid-template-columns:1fr}.comparison-table{font-size:14px}.comparison-table th,.comparison-table td{padding:12px 6px}.comparison-table th:first-child,.comparison-table td:first-child{width:44%}.comparison-table thead th{font-size:14px}.comparison-insight{padding:19px}.comparison-insight h4{font-size:26px}.comparison-insight p{font-size:14px}.comparison-question{flex-direction:column;align-items:flex-start;gap:12px}.comparison-question p{font-size:14px}.comparison-question a{font-size:14px}.comparison-subnote{font-size:12px}.inline-tip{grid-template-columns:minmax(0,1fr);gap:9px;padding-top:21px}.inline-tip p{font-size:14px}.inline-tip a{grid-column:auto;font-size:14px}.tip-number{font-size:11px}.scenario-section{padding:44px 0}.scenario-tabs{gap:3px;padding:5px}.scenario-tabs button{font-size:14px;line-height:1.5;padding:8px 4px;min-height:48px}.scenario-panel{grid-template-columns:minmax(0,1fr)}.scenario-inputs{padding:23px 19px}.panel-heading h3{font-size:22px}.panel-description{font-size:14px;margin-bottom:22px}.field-grid{gap:17px 13px}.scenario-result{border-left:0;border-top:1px solid var(--line);padding:25px 23px}.big-number{font-size:47px}.result-caption{font-size:14px}.scenario-disclosure{padding:14px 18px;gap:9px}.scenario-disclosure p{font-size:12px}.filter-group{width:100%;gap:3px;padding:4px;justify-content:space-between}.filter-group button{font-size:13px;padding:9px 8px;white-space:normal}.search-box input{font-size:18px}.glossary-grid{grid-template-columns:minmax(0,1fr);gap:10px}.term-card{padding:0 19px}.term-card summary{font-size:17px;min-height:62px;padding:17px 0}.term-card p{font-size:15px}.term-card .ask-question{font-size:14px}.contact-section{padding:48px 0}.contact-grid{grid-template-columns:minmax(0,1fr);gap:34px}.contact-portrait{display:flex;align-items:center;gap:21px}.contact-portrait img{width:105px;height:105px;margin:0;box-shadow:0 0 0 6px #fff06}.portrait-caption{text-align:left;margin:0;font-size:20px}.portrait-caption span{font-size:12px;margin-top:6px}.contact-copy h2{font-size:42px}.contact-copy .eyebrow{font-size:12px;margin-bottom:16px}.contact-copy>p:not(.eyebrow){font-size:16px;margin-top:19px}.contact-buttons{margin-top:24px;gap:10px}.contact-buttons .button{font-size:15px;gap:16px;padding:13px 17px}.contact-copy .contact-email{gap:9px;font-size:13px!important}.contact-copy .contact-privacy{font-size:12px!important}.site-footer{padding:32px 0 23px}.footer-top{gap:20px;margin-bottom:24px}.footer-top strong{font-size:19px}.footer-top span{font-size:12px;max-width:220px}.site-footer .container>p{font-size:13px}.site-footer .disclaimer{font-size:12px!important}.footer-bottom{font-size:11px;align-items:flex-start;flex-direction:column;gap:12px}.footer-details p{font-size:13px}.footer-details summary{font-size:13px}}
@media(max-width:360px){.hero h1{font-size:47px}.doc-badge{display:none}.shared-fields,.field-grid,.offer-input-grid{grid-template-columns:minmax(0,1fr)}.contact-buttons{flex-direction:column;align-items:stretch}.hero-actions{gap:12px}.hero-actions .button{font-size:15px}}
.field-note{font-size:14px}.tool-disclosure,.scenario-disclosure p,.comparison-subnote,.site-footer .disclaimer{font-size:14px!important}.contact-copy .contact-privacy{font-size:14px!important}
@media(max-width:700px){.tool-disclosure,.scenario-disclosure p,.comparison-subnote,.site-footer .disclaimer{font-size:15px!important}.result-note,.field-note,.comparison-question p{font-size:15px}.stepper button{font-size:14px}.scenario-disclosure>span{margin-top:2px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}.button:hover{transform:none}}

/* Larger type and stronger controls throughout the educational tools. */
.button{min-height:56px;padding:15px 24px;border-width:2px;font-size:17px;box-shadow:0 4px 10px #10243b14}
.button-small{min-height:50px;padding:12px 18px;font-size:15px}
.button-red{box-shadow:0 5px 14px #b32c3625}
.button-outline{border-color:#b8c9d9;font-weight:700}
.button-quiet{border:1px solid #c5d0dc;border-radius:5px;background:#eef3f7;padding:10px 14px;text-decoration:none;min-height:44px;font-size:15px}
.button-quiet:hover{background:#e4ebf2;border-color:#9eafc1}
.site-header nav{gap:20px}.header-inner{gap:20px}.site-header nav>a:not(.button){font-size:15px}
.doc-top{flex-wrap:wrap}.doc-tabs button{font-size:14px;border-radius:4px 4px 0 0}
.doc-tabs button[aria-selected=true]{background:#fff0f1;font-weight:700}
.doc-line{min-height:55px}.doc-explanation{font-size:15px;line-height:1.7}.doc-cta{font-size:15px}
.doc-subtitle{margin-bottom:18px}.visual-label{font-size:12px}.visual-caption{font-size:14px}
.stepper button{color:var(--ink);font-size:16px}.stepper button.active{background:var(--navy);color:#fff;border-bottom-color:var(--red)}
.stepper button.active span{background:#fff;color:var(--navy);border-color:#fff}
.scenario-tabs button{font-size:16px;min-height:52px}.scenario-tabs button[aria-selected=true]{background:var(--navy);color:#fff;box-shadow:0 3px 9px #10243b18}
.input-wrap input,.input-wrap select{height:54px;font-size:18px;font-weight:600;border-color:#b4c2d0}.input-wrap span{font-size:16px;color:var(--ink)}
.field>label{font-size:15px;line-height:1.5}.offer-input-grid .field>label{font-size:15px}.field-note:empty{display:none}
.wizard-footer .button{font-size:16px}.tool-top .button-quiet{font-size:14px}.panel-heading .button-quiet{font-size:14px;flex-shrink:0}
.wizard-lead p,.panel-description,.result-caption,.result-note{font-size:16px;line-height:1.7}
.result-eyebrow{font-size:13px;color:var(--ink)}.breakdown>div{font-size:15px}.result-action{font-size:16px;line-height:1.5}
.filter-group button{font-size:14px;min-height:44px}.filter-group button[aria-pressed=true]{background:var(--navy);color:#fff;box-shadow:0 2px 6px #10243b15}
.term-card summary{font-size:19px}.term-card p{font-size:16px;line-height:1.7}.term-card .ask-question{font-size:15px}.term-card summary:after{font-weight:700;color:var(--red)}
.contact-copy>p:not(.eyebrow){font-size:17px}.contact-copy .contact-email{font-size:15px!important}.contact-copy .contact-privacy{font-size:14px!important;color:#becddd!important}
.footer-top span{font-size:13px}.site-footer .container>p{font-size:14px}.footer-details summary{font-size:15px;font-weight:700}.footer-details p{font-size:14px}.footer-bottom{font-size:12px}
@media(min-width:1600px){.hero-grid{padding-top:76px;padding-bottom:72px}}
@media(max-width:1150px){.site-header nav{gap:15px}.site-header nav>a:not(.button){font-size:14px}}
@media(max-width:1100px){.header-inner{min-height:85px}.menu-toggle{display:flex;align-items:center;gap:12px;border:1px solid var(--line);border-radius:5px;background:#fff;padding:10px 14px;min-height:46px;font-size:15px;color:var(--ink)}.site-header nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;padding:20px 24px;border-bottom:1px solid var(--line);box-shadow:0 12px 20px #10243b08}.site-header nav.open{display:flex;align-items:stretch;flex-direction:column;gap:5px}.site-header nav>a:not(.button){font-size:17px;padding:13px 0}.site-header nav .button{margin-top:10px}}
@media(max-width:960px){.site-header nav>a:not(.button){font-size:17px}.hero-description{font-size:17px}.section-heading>p{font-size:17px}.hero-grid{gap:30px}.scenario-section{padding:58px 0}.tool-top{flex-wrap:wrap}.tool-top p{font-size:15px}.glossary-toolbar{align-items:stretch}.filter-group{align-self:stretch;justify-content:flex-start;flex-wrap:wrap}}
@media(max-width:700px){
  .header-inner{gap:12px}.menu-toggle{font-size:15px}
  .hero-grid{padding-top:36px;padding-bottom:36px;gap:28px}.hero-description{font-size:18px;line-height:1.65}.hero-actions .text-link{font-size:16px}.hero-note{font-size:14px;max-width:none}
  .visual-label{font-size:11px}.doc-badge{display:none}.doc-title{font-size:32px}.doc-tabs button{font-size:14px}.doc-line{font-size:15px;flex-wrap:wrap;gap:3px 12px}.doc-line strong{font-size:14px;white-space:normal}.doc-explanation{font-size:15px}.visual-caption{font-size:13px}
  .section-heading>p{font-size:17px;line-height:1.65}.section-heading{gap:16px}.strip-inner{gap:14px}.strip-inner p{font-size:15px}.strip-inner a{font-size:14px}.strip-inner div{gap:14px;flex-wrap:wrap}
  .tool-top{gap:13px}.tool-top p{max-width:none;font-size:14px}.tool-top .button-quiet{font-size:14px;min-height:44px;padding:9px 12px;white-space:normal}
  .stepper button{font-size:13px;line-height:1.4;min-height:86px}.stepper button span{width:27px;height:27px;font-size:13px}
  .wizard-lead h3{font-size:24px}.wizard-lead p,.panel-description{font-size:16px}.field>label,.offer-input-grid .field>label{font-size:15px}
  .field-grid .field>label,.offer-input-grid .field>label,.shared-fields .field>label{min-height:45px;display:flex;align-items:flex-end}
  .wizard-footer .button{font-size:16px;padding:14px 18px}.wizard-footer .button-quiet{font-size:14px;padding:10px 12px}.wizard-footer>span{font-size:13px}
  .scenario-tabs button{font-size:14px;min-height:54px;line-height:1.4}.panel-heading{align-items:flex-start}.panel-heading h3{font-size:24px}.panel-heading .button-quiet{font-size:14px}
  .comparison-table{font-size:14px}.comparison-table thead th{font-size:13px}.comparison-table th,.comparison-table td{padding:13px 7px}.comparison-insight p{font-size:15px}.comparison-question a{font-size:15px}
  .inline-tip p,.inline-tip a{font-size:15px}.inline-tip a{white-space:normal}.result-caption,.result-note,.horizon-insight{font-size:15px}.result-eyebrow{font-size:12px}.breakdown>div{font-size:15px}
  .filter-group{flex-wrap:wrap;gap:5px;justify-content:flex-start}.filter-group button{font-size:13px;padding:10px 12px;flex:1}.term-card summary{font-size:18px}.term-card p{font-size:16px}.term-card .ask-question{font-size:15px}
  .contact-buttons .button{font-size:16px;padding:14px 20px}.contact-copy>p:not(.eyebrow){font-size:17px}.contact-copy .contact-email{font-size:14px!important;line-height:1.8}.contact-copy .contact-privacy{font-size:13px!important}
  .portrait-caption span{font-size:12px}.footer-top span{font-size:12px;max-width:230px}.site-footer .container>p{font-size:13px}.footer-details p{font-size:13px}.footer-details summary{font-size:14px}.footer-bottom{font-size:12px}
}
@media(max-width:480px){.hero-actions{align-items:flex-start;flex-direction:column;gap:10px}.doc-line{display:grid;grid-template-columns:minmax(0,1fr);gap:5px}.doc-line strong{text-align:left}.tradeoff-cards{gap:10px}.comparison-table th:first-child,.comparison-table td:first-child{width:40%}.wizard-footer{gap:10px}.wizard-footer>span{margin-left:0;margin-right:auto}.tool-top{align-items:flex-start}.contact-buttons{flex-direction:column;align-items:stretch}}
@media(max-width:380px){.menu-toggle{padding:8px 10px;font-size:14px}.filter-group button{flex:1 0 30%;font-size:12px}.comparison-table{font-size:13px}.comparison-table thead th{font-size:12px}.comparison-table th,.comparison-table td{padding:12px 4px}.shared-fields,.field-grid,.offer-input-grid{grid-template-columns:minmax(0,1fr)}.field-grid .field>label,.offer-input-grid .field>label,.shared-fields .field>label{min-height:0}.hero-actions .button{font-size:17px}}
/* Keep large entered amounts and portrait sizing safe on narrow screens. */
.tradeoff-cards>div{min-width:0}.tradeoff-cards strong,.big-number{overflow-wrap:anywhere}.doc-badge{color:var(--muted)}
.hero-copy,.section-heading>div,.section-heading>p,.scenario-inputs,.contact-copy,.contact-portrait{min-width:0}
.contact-portrait img{height:auto;aspect-ratio:1}

/* Keep the title and mobile navigation comfortable on narrow screens. */
@media(max-width:1150px){.brand-title{font-size:32px}}
@media(max-width:700px){.brand{padding:10px 0;gap:4px}.brand-title{font-size:28px}.brand-byline{font-size:14px}.brand-byline::before{width:19px}}
@media(max-width:380px){.brand-title{font-size:24px}.brand-byline{font-size:13px}.brand-byline::before{width:15px;margin-right:2px}}

/* Ordinary copy stays selectable without looking like an editing field. */
body{cursor:default}
a[href],button,summary,select,input[type=checkbox],input[type=radio]{cursor:pointer}
input[type=number],input[type=search],input[type=text],textarea{cursor:text}

/* Slightly larger label above the Loan Estimate card. */
.visual-label{font-size:14px}
@media(max-width:700px){.visual-label{font-size:13px}}

/* Red separators for the horizontal menu; slightly larger portrait caption. */
.nav-divider{color:var(--red);font-size:20px;font-weight:400;line-height:1;margin:0 -6px;flex-shrink:0}
.portrait-caption{font-size:22px;min-width:0}
.portrait-caption span{font-size:14px}
@media(max-width:1100px){.nav-divider{display:none}}