/*! tailwindcss v4.2.1 | MIT License | https://tailwindcss.com */
@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--spacing:.25rem;--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab, red, red)){::placeholder{color:color-mix(in oklab, currentcolor 50%, transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.fixed{position:fixed}.relative{position:relative}.start{inset-inline-start:var(--spacing)}.table{display:table}.rounded{border-radius:.25rem}.antialiased{-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}}:root{--ink:#10202f;--ink-soft:#51606d;--paper:#f6f3eb;--card:#fffdf8;--line:#dcd8ce;--yellow:#f4cb45;--yellow-soft:#fff2b9;--green:#1f7257;--green-soft:#e6f2ec;--orange:#b66a20;--red:#a64b3f}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--paper);color:var(--ink);margin:0;font-family:Arial,Helvetica,sans-serif}a{color:inherit;text-decoration:none}button,input,select{font:inherit}.site-header{border-bottom:1px solid #10202f24;justify-content:space-between;align-items:center;max-width:1240px;height:76px;margin:0 auto;padding:0 28px;display:flex}.brand{letter-spacing:-.6px;align-items:center;gap:10px;font-size:18px;display:inline-flex}.brand-mark{background:var(--ink);width:34px;height:34px;color:var(--yellow);border-radius:50% 50% 46% 46%;place-items:center;font-family:Georgia,serif;font-size:21px;font-weight:700;display:grid;position:relative}.brand-mark:after{content:"";border:3px solid var(--ink);border-bottom:0;border-radius:2px;width:17px;height:8px;position:absolute;top:-3px;transform:rotate(45deg)}.site-header nav{color:#44515c;gap:32px;font-size:14px;display:flex}.site-header nav a:hover{color:var(--ink)}.header-cta{border:1px solid var(--ink);border-radius:999px;padding:11px 18px;font-size:13px;font-weight:700;transition:all .2s}.header-cta:hover{background:var(--ink);color:#fff}.hero{grid-template-columns:.94fr 1.06fr;align-items:center;gap:68px;max-width:1240px;margin:0 auto;padding:68px 28px 78px;display:grid}.hero-copy{padding:8px 0 28px}.eyebrow,.mini-label{text-transform:uppercase;letter-spacing:1.75px;color:#5e6870;font-size:11px;font-weight:800}.eyebrow{align-items:center;gap:10px;display:flex}.eyebrow span{background:var(--yellow);border-radius:50%;width:8px;height:8px;box-shadow:0 0 0 4px #f4cb4538}h1,h2,h3,p{margin-top:0}h1{letter-spacing:-3.5px;margin:25px 0;font-family:Georgia,Times New Roman,serif;font-size:clamp(48px,5.2vw,76px);font-weight:500;line-height:.98}h1 em{color:#a77b00;font-weight:500}.hero-lead{max-width:580px;color:var(--ink-soft);font-size:17px;line-height:1.72}.hero-actions{align-items:center;gap:26px;margin-top:34px;display:flex}.primary-button{background:var(--ink);color:#fff;box-shadow:5px 5px 0 var(--yellow);border-radius:4px;justify-content:center;align-items:center;gap:24px;padding:16px 21px;font-size:14px;font-weight:700;transition:transform .2s,box-shadow .2s;display:inline-flex}.primary-button:hover{box-shadow:7px 7px 0 var(--yellow);transform:translate(-2px,-2px)}.text-button{border-bottom:1px solid var(--ink);padding:6px 0;font-size:14px;font-weight:700}.trust-row{color:#60707b;flex-wrap:wrap;gap:22px;margin-top:38px;font-size:12px;display:flex}.trust-row span{align-items:center;gap:7px;display:flex}.trust-row i{color:var(--green);font-style:normal;font-weight:900}.calculator-card{background:var(--card);border:1px solid #cdc9bf;border-radius:8px;padding:28px;box-shadow:12px 12px #10202f14}.card-heading{border-bottom:1px solid var(--line);justify-content:space-between;align-items:flex-start;padding-bottom:22px;display:flex}.card-heading h2{letter-spacing:-.6px;margin:7px 0 0;font-family:Georgia,serif;font-size:24px}.status-dot{text-transform:uppercase;letter-spacing:1px;color:var(--green);background:var(--green-soft);border-radius:999px;padding:7px 10px;font-size:10px;font-weight:800}.status-dot:before{content:"";background:var(--green);border-radius:50%;width:6px;height:6px;margin-right:6px;display:inline-block}.form-grid{grid-template-columns:1fr 1fr;gap:17px 18px;padding:22px 0;display:grid}.field{color:#5a6670;gap:7px;font-size:11px;font-weight:700;display:grid}.input-wrap{align-items:center;display:flex;position:relative}.input-wrap input{width:100%;color:var(--ink);background:#fff;border:1px solid #d2cec5;border-radius:4px;outline:none;padding:12px 62px 12px 12px;font-weight:800}.input-wrap input:focus{border-color:var(--ink);box-shadow:0 0 0 3px #f4cb4566}.input-wrap b{color:#7d858c;pointer-events:none;font-size:11px;position:absolute;right:11px}.result-box{background:var(--ink);color:#fff;border-radius:5px;overflow:hidden}.main-result{justify-content:space-between;align-items:flex-end;gap:20px;padding:22px 23px 15px;display:flex}.main-result>span{color:#bdc7ce;padding-bottom:7px;font-size:12px}.main-result strong{color:var(--yellow);white-space:nowrap;font-family:Georgia,serif;font-size:38px;font-weight:500}.main-result small{color:#c7d0d6;margin-left:4px;font-family:Arial,sans-serif;font-size:11px}.result-metrics{border-top:1px solid #344552;grid-template-columns:1fr 1fr;display:grid}.result-metrics>div{justify-content:space-between;gap:12px;padding:14px 23px;font-size:11px;display:flex}.result-metrics>div+div{border-left:1px solid #344552}.result-metrics span{color:#aeb9c1}.result-metrics b{font-size:12px}.result-metrics b.good{color:#7ee0b8}.result-metrics b.medium{color:#ffd47a}.result-metrics b.high{color:#ff9487}.verdict{background:#e6f2ec1a;border-radius:3px;align-items:center;gap:9px;margin:0 11px 11px;padding:10px 12px;display:flex}.verdict span{min-width:20px;height:20px;color:var(--ink);background:#65c6a0;border-radius:50%;place-items:center;font-size:11px;font-weight:900;display:grid}.verdict p{color:#d9e1e6;margin:0;font-size:10px;line-height:1.45}.verdict.medium span{background:#ffd47a}.verdict.high span{background:#ff9487}.detail-button{width:100%;color:var(--ink);cursor:pointer;background:0 0;border:0;justify-content:space-between;padding:14px 3px 3px;font-size:12px;font-weight:800;display:flex}.details-panel{background:#faf8f1;border:1px dashed #c9c4b9;gap:8px;margin-top:13px;padding:15px;font-size:11px;display:grid}.details-panel>div{justify-content:space-between;gap:12px;display:flex}.details-panel span{color:#62707a}.detail-note{border-top:1px solid var(--line);color:var(--orange);margin:6px 0 0;padding-top:10px;line-height:1.5}.detail-note.positive{color:var(--green)}.calculator-note{text-align:center;color:#7f878c;margin:13px 0 -8px;font-size:9px}.proof-strip{background:var(--yellow);border-block:1px solid #d5ae2f;grid-template-columns:1.1fr repeat(3,1fr);align-items:center;padding:20px max(28px,50vw - 592px);display:grid}.proof-strip>p{margin:0;font-family:Georgia,serif;font-size:21px}.proof-strip>div{border-left:1px solid #10202f3d;align-items:center;gap:13px;padding-left:26px;display:flex}.proof-strip strong{color:#10202f80;font-family:Georgia,serif;font-size:20px}.proof-strip span{text-transform:uppercase;letter-spacing:.6px;font-size:10px;line-height:1.5}.proof-strip b{font-size:11px}.feature-section,.roadmap-section,.guides-section{max-width:1184px;margin:0 auto;padding:100px 0}.section-intro{max-width:720px;margin-bottom:46px}.section-intro h2,.guides-heading h2{letter-spacing:-2px;margin:12px 0 17px;font-family:Georgia,serif;font-size:clamp(38px,4vw,54px);font-weight:500;line-height:1.05}.section-intro p{color:var(--ink-soft);max-width:610px;line-height:1.7}.feature-grid{grid-template-columns:repeat(3,1fr);gap:16px;display:grid}.feature-card{border:1px solid var(--line);background:#ffffff4d;min-height:276px;padding:23px;position:relative}.feature-card.featured{background:var(--ink);color:#fff}.card-number{color:#8d969d;font-family:Georgia,serif;font-size:13px;position:absolute;top:17px;right:18px}.feature-icon{border:1px solid #c8c3b9;border-radius:50%;place-items:center;width:42px;height:42px;margin-bottom:42px;font-family:Georgia,serif;font-size:20px;display:grid}.featured .feature-icon{color:var(--yellow);border-color:#50606c}.feature-card h3{margin-bottom:12px;font-family:Georgia,serif;font-size:24px;font-weight:500}.feature-card p{color:#65717a;font-size:13px;line-height:1.65}.featured p{color:#b8c2c9}.tag{background:var(--yellow);color:var(--ink);text-transform:uppercase;letter-spacing:.7px;padding:6px 9px;font-size:9px;font-weight:800;display:inline-block}.method-note{border:1px solid var(--line);background:#ede9df;grid-template-columns:auto 1fr auto;align-items:center;gap:15px;margin-top:18px;padding:18px 20px;display:grid}.method-note>span{background:var(--ink);color:#fff;border-radius:50%;place-items:center;width:28px;height:28px;font-family:Georgia,serif;display:grid}.method-note p{color:#5c6871;margin:0;font-size:11px;line-height:1.55}.method-note a{white-space:nowrap;text-transform:uppercase;letter-spacing:.6px;font-size:10px;font-weight:800}.roadmap-section{border-top:1px solid var(--line);background:#eeeae0;max-width:none;padding-inline:max(28px,50vw - 592px)}.section-intro.compact{grid-template-columns:1fr 1fr;align-items:end;max-width:none;display:grid}.section-intro.compact .mini-label{grid-column:1/-1}.section-intro.compact h2{margin-bottom:0}.section-intro.compact p{justify-self:end;max-width:430px;margin:0 0 4px}.tool-grid{background:var(--card);border:1px solid #cbc6bb;grid-template-columns:repeat(4,1fr);display:grid}.tool-grid article{flex-direction:column;min-height:290px;padding:21px;display:flex;position:relative}.tool-grid article+article{border-left:1px solid #cbc6bb}.tool-state{text-transform:uppercase;letter-spacing:.8px;color:#747c81;border:1px solid #c9c4b9;border-radius:99px;align-self:flex-start;padding:5px 8px;font-size:8px;font-weight:800}.tool-state.live{background:var(--green-soft);color:var(--green);border-color:#b8d8c9}.tool-symbol{color:#8b720d;margin:35px 0 28px;font-family:Georgia,serif;font-size:34px}.tool-grid h3{margin-bottom:10px;font-family:Georgia,serif;font-size:22px;font-weight:500}.tool-grid p{color:#66717a;flex:1;font-size:12px;line-height:1.6}.tool-grid a,.muted-link{text-transform:uppercase;letter-spacing:.7px;font-size:10px;font-weight:800}.tool-grid a{color:var(--green)}.muted-link{color:#a1a7aa}.guides-section{padding-bottom:110px}.guides-heading{justify-content:space-between;align-items:flex-end;gap:40px;margin-bottom:42px;display:flex}.guides-heading h2{max-width:700px;margin-bottom:0}.editorial-note{color:#6c777e;padding-bottom:8px;font-size:10px}.editorial-note:before{content:"✓";color:var(--green);margin-right:6px}.guide-grid{grid-template-columns:repeat(2,1fr);gap:30px 24px;display:grid}.guide-grid article{border-top:3px solid var(--ink);padding:19px 3px}.guide-grid article:first-child{border-top-color:#b48a08}.guide-category{text-transform:uppercase;letter-spacing:.8px;color:#7b858b;margin-bottom:34px;font-size:9px;font-weight:800;display:block}.guide-grid h3{min-height:87px;font-family:Georgia,serif;font-size:23px;font-weight:500;line-height:1.25}.guide-grid p{color:#65727b;min-height:55px;font-size:12px;line-height:1.65}.guide-grid article>span:last-child,.guide-grid article>a:last-child{text-transform:uppercase;letter-spacing:.7px;font-size:10px;font-weight:800}.guide-grid article>a:last-child{color:var(--green)}.final-cta{background:var(--ink);color:#fff;text-align:center;padding:74px 28px 82px}.final-cta>span{color:var(--yellow);text-transform:uppercase;letter-spacing:1.7px;font-size:10px;font-weight:800}.final-cta h2{max-width:760px;margin:15px auto 28px;font-family:Georgia,serif;font-size:clamp(38px,4vw,53px);font-weight:500;line-height:1.08}.primary-button.light{color:var(--ink);box-shadow:5px 5px 0 var(--yellow);background:#fff}footer{grid-template-columns:2fr repeat(3,1fr);gap:50px;max-width:1184px;margin:0 auto;padding:58px 0 30px;display:grid}.footer-brand p{color:#6b777f;max-width:290px;margin-top:18px;font-size:12px;line-height:1.6}footer>div:not(.footer-brand){color:#7a848a;flex-direction:column;gap:11px;font-size:11px;display:flex}footer>div strong{color:var(--ink);text-transform:uppercase;letter-spacing:.7px;margin-bottom:7px;font-size:10px}.footer-bottom{border-top:1px solid var(--line);color:#8a9297;grid-column:1/-1;margin:16px 0 0;padding-top:22px;font-size:10px}.subpage-hero{max-width:1240px;margin:0 auto;padding:60px 28px 84px}.affordability-layout{grid-template-columns:.82fr 1.18fr;align-items:center;gap:60px;display:grid}.subpage-copy h1,.document-hero h1{letter-spacing:-3px;margin:24px 0;font-family:Georgia,Times New Roman,serif;font-size:clamp(46px,5vw,70px);font-weight:500;line-height:1}.subpage-copy h1 em,.document-hero h1 em{color:#a77b00;font-weight:500}.breadcrumb,.breadcrumb-separator,.breadcrumb+span{text-transform:uppercase;letter-spacing:.7px;color:#788188;margin-bottom:35px;font-size:10px;display:inline-block}.breadcrumb{color:var(--ink);font-weight:800}.breadcrumb-separator{margin-inline:8px}.source-pills{flex-wrap:wrap;gap:8px;margin-top:28px;display:flex}.source-pills span{text-transform:uppercase;letter-spacing:.5px;background:#ffffff52;border:1px solid #c9c4b9;padding:8px 10px;font-size:9px;font-weight:800}.affordability-card .form-grid{grid-template-columns:1fr 1fr}.stacked-result{display:block}.stacked-result>span{padding-bottom:5px;display:block}.stacked-result strong{font-size:44px}.verdict p strong{color:#fff}.explain-section{border-top:1px solid var(--line);max-width:1184px;margin:0 auto;padding:92px 0}.explain-grid{border:1px solid var(--line);background:var(--card);grid-template-columns:repeat(3,1fr);display:grid}.explain-grid article{min-height:235px;padding:28px}.explain-grid article+article{border-left:1px solid var(--line)}.explain-grid article>span,.about-principle>span{color:#a77b00;font-family:Georgia,serif;font-size:14px}.explain-grid h3{margin:45px 0 13px;font-family:Georgia,serif;font-size:24px;font-weight:500}.explain-grid p{color:#65717a;font-size:12px;line-height:1.7}.wide-note{margin-top:20px}.next-step-band{background:var(--ink);color:#fff;justify-content:space-between;align-items:center;gap:35px;padding:55px max(28px,50vw - 592px);display:flex}.next-step-band h2{margin:9px 0 0;font-family:Georgia,serif;font-size:clamp(28px,3vw,40px);font-weight:500}.next-step-band .mini-label{color:var(--yellow)}.document-hero{border-bottom:1px solid var(--line);max-width:1184px;margin:0 auto;padding:58px 0 72px}.document-hero h1{max-width:880px}.document-hero>p{max-width:680px;color:var(--ink-soft);font-size:17px;line-height:1.7}.document-layout{grid-template-columns:240px 1fr;gap:80px;max-width:1184px;margin:0 auto;padding:70px 0 110px;display:grid}.document-layout aside{color:#6b767e;flex-direction:column;align-self:start;gap:12px;font-size:11px;display:flex;position:sticky;top:24px}.document-layout aside strong{color:var(--ink);text-transform:uppercase;letter-spacing:.7px;margin-bottom:8px;font-size:10px}.document-layout aside a:hover{color:#a77b00}.document-content{max-width:760px}.document-content section{border-bottom:1px solid var(--line);margin-bottom:55px;padding-bottom:55px;scroll-margin-top:25px}.document-content section:last-child{border-bottom:0}.doc-number{color:#a77b00;font-family:Georgia,serif;font-size:13px}.document-content h2,.about-copy h2{letter-spacing:-1px;margin:8px 0 21px;font-family:Georgia,serif;font-size:36px;font-weight:500}.document-content p,.document-content li{color:#53616b;font-size:14px;line-height:1.78}.document-content ol{padding-left:20px}.legal-summary{background:var(--card);border:1px solid #c9c4b9;margin:0 0 28px;padding:22px}.legal-summary p{margin:0}.legal-summary p+p{margin-top:9px}.legal-identity{border:1px solid var(--line);background:var(--card);margin:24px 0}.legal-identity>div{grid-template-columns:190px 1fr;gap:24px;padding:15px 18px;display:grid}.legal-identity>div+div{border-top:1px solid var(--line)}.legal-identity dt{color:#6c777e;text-transform:uppercase;letter-spacing:.6px;font-size:11px;font-weight:800}.legal-identity dd{color:var(--ink);margin:0;font-size:13px;line-height:1.55}.legal-identity address{font-style:normal}.legal-callout{border-left:4px solid var(--yellow);background:var(--yellow-soft);margin:24px 0;padding:20px 22px}.legal-callout p{color:#4f5c65;margin:0;font-size:13px;line-height:1.7}.document-content a.inline-legal-link{color:var(--green);text-underline-offset:3px;font-weight:800;text-decoration:underline}.formula-box{background:var(--ink);color:#fff;margin:25px 0;padding:22px}.formula-box span{color:var(--yellow);text-transform:uppercase;letter-spacing:.8px;font-size:9px;font-weight:800;display:block}.formula-box strong{margin:16px 0 10px;font-family:Georgia,serif;font-size:clamp(18px,2.2vw,28px);font-weight:500;display:block}.formula-box p{color:#b9c3ca;margin:0;font-size:11px}.data-table{border:1px solid var(--line);margin:24px 0}.data-table>div{grid-template-columns:110px 1fr;align-items:center;gap:20px;padding:15px 18px;display:grid}.data-table>div+div{border-top:1px solid var(--line)}.data-table strong{color:#a77b00;font-family:Georgia,serif;font-size:21px}.data-table span{color:#5c6871;font-size:12px;line-height:1.5}.source-list{border-top:1px solid var(--line);padding:0;list-style:none}.source-list li{border-bottom:1px solid var(--line);padding:14px 0}.source-list a{color:var(--ink);font-weight:700}.about-hero{border-bottom:0}.about-grid{grid-template-columns:repeat(3,1fr);max-width:1184px;margin:0 auto;padding-bottom:80px;display:grid}.about-principle{border:1px solid var(--line);min-height:285px;padding:27px}.about-principle+.about-principle{border-left:0}.about-principle.dark{background:var(--ink);color:#fff}.about-principle h2{margin:75px 0 13px;font-family:Georgia,serif;font-size:27px;font-weight:500}.about-principle p{color:#65717a;font-size:13px;line-height:1.7}.about-principle.dark p{color:#b9c3ca}.about-copy{border-top:1px solid var(--line);grid-template-columns:1fr 1.1fr;gap:80px;max-width:1184px;margin:0 auto;padding:80px 0 100px;display:grid}.about-copy p{color:#53616b;font-size:14px;line-height:1.8}.purchase-cost-hero{max-width:1320px}.purchase-cost-hero .affordability-layout{grid-template-columns:.78fr 1.22fr}.purchase-cost-card{padding-bottom:23px}.purchase-type{border:0;grid-template-columns:1fr 1fr;gap:8px;margin:0;padding:22px 0 0;display:grid}.purchase-type legend{color:#5a6670;width:100%;margin-bottom:8px;font-size:11px;font-weight:700}.purchase-type button{color:#59666f;cursor:pointer;background:#fff;border:1px solid #d2cec5;border-radius:4px;padding:12px;font-size:12px;font-weight:800}.purchase-type button.active{border-color:var(--ink);background:var(--ink);color:#fff;box-shadow:3px 3px 0 var(--yellow)}.purchase-form{padding-top:17px}.select-field select{width:100%;min-height:42px;color:var(--ink);background:#fff;border:1px solid #d2cec5;border-radius:4px;outline:none;padding:8px 32px 8px 11px;font-size:11px;font-weight:800}.cost-metrics{grid-template-columns:1fr 1fr}.cost-metrics>div:nth-child(3){border-top:1px solid #344552;border-left:0}.cost-metrics>div:nth-child(4){border-top:1px solid #344552}.editable-costs .form-grid{padding:0 0 15px}.cost-lines{border-top:1px solid var(--line);gap:8px;padding-top:10px;display:grid}.cost-lines>div{justify-content:space-between;gap:15px;display:flex}.cost-lines .cost-total{border-top:1px solid var(--line);color:var(--ink);margin-top:4px;padding-top:10px;font-size:12px}.tax-rules-grid{border:1px solid var(--line);background:var(--card);grid-template-columns:repeat(4,1fr);display:grid}.tax-rules-grid article{min-height:265px;padding:25px}.tax-rules-grid article+article{border-left:1px solid var(--line)}.tax-badge{color:#727c83;text-transform:uppercase;letter-spacing:.7px;border:1px solid #c9c4b9;border-radius:99px;padding:6px 9px;font-size:8px;font-weight:800;display:inline-block}.tax-rules-grid h3{margin:55px 0 13px;font-family:Georgia,serif;font-size:23px;font-weight:500}.tax-rules-grid p{color:#65717a;font-size:12px;line-height:1.68}.source-links-row{flex-wrap:wrap;gap:22px;padding:17px 0 0 63px;display:flex}.source-links-row a{color:var(--green);text-transform:uppercase;letter-spacing:.6px;font-size:10px;font-weight:800}.amortization-hero{max-width:1380px;padding-top:52px}.amortization-layout{grid-template-columns:.68fr 1.32fr;align-items:center;gap:52px;display:grid}.amortization-card{padding-bottom:23px}.amortization-form{grid-template-columns:repeat(3,1fr)}.baseline-box{background:var(--ink);color:#fff;border-radius:5px;grid-template-columns:1.25fr 1fr 1fr;margin-bottom:14px;display:grid}.baseline-box>div{flex-direction:column;gap:8px;padding:15px 18px;display:flex}.baseline-box>div+div{border-left:1px solid #344552}.baseline-box span{color:#aeb9c1;text-transform:uppercase;letter-spacing:.6px;font-size:9px}.baseline-box strong{color:var(--yellow);font-family:Georgia,serif;font-size:27px;font-weight:500}.baseline-box strong small{color:#b9c3ca;margin-left:3px;font-family:Arial,sans-serif;font-size:10px}.baseline-box b{font-size:14px}.comparison-grid{grid-template-columns:1fr 1fr;gap:12px;display:grid}.scenario-card{border:1px solid var(--line);background:#fff;padding:18px}.term-scenario{border-top:4px solid var(--green)}.payment-scenario{border-top:4px solid #b78b08}.scenario-heading{color:#6a757d;text-transform:uppercase;letter-spacing:.7px;justify-content:space-between;align-items:center;font-size:10px;display:flex}.scenario-heading span{color:#9b790b;font-family:Georgia,serif}.scenario-kicker{color:#65717a;text-transform:uppercase;letter-spacing:.7px;margin:24px 0 5px;font-size:10px;font-weight:800}.scenario-amount{min-height:44px;color:var(--ink);font-family:Georgia,serif;font-size:30px;font-weight:500;line-height:1.12;display:block}.scenario-amount small{color:#6c777e;margin-left:3px;font-family:Arial,sans-serif;font-size:10px}.scenario-caption{color:#8a9297;font-size:9px}.scenario-card dl{margin:23px 0 0}.scenario-card dl>div{border-top:1px solid #ece8df;justify-content:space-between;gap:12px;padding:9px 0;font-size:10px;display:flex}.scenario-card dt{color:#6a757d}.scenario-card dd{text-align:right;margin:0;font-weight:800}.scenario-card .net-line{color:var(--green);font-size:11px}.recommendation-banner{background:var(--yellow-soft);border:1px solid #dfc866;grid-template-columns:auto 1fr;align-items:center;gap:14px;margin-top:12px;padding:14px 16px;display:grid}.recommendation-banner>span{background:var(--ink);color:#fff;text-transform:uppercase;letter-spacing:.7px;padding:6px 8px;font-size:8px;font-weight:800}.recommendation-banner p{color:#4e5b64;margin:0;font-size:10px;line-height:1.5}.commission-section{border-block:1px solid var(--line);grid-template-columns:.8fr 1.2fr;gap:70px;margin:70px 0 20px;padding:45px 0;display:grid}.commission-section h2{letter-spacing:-1px;margin:12px 0 0;font-family:Georgia,serif;font-size:36px;font-weight:500}.commission-copy p{color:#53616b;font-size:13px;line-height:1.75}.article-hero{max-width:960px;margin:0 auto;padding:65px 28px 70px}.article-meta{color:#6d7880;text-transform:uppercase;letter-spacing:.8px;flex-wrap:wrap;gap:9px 22px;font-size:9px;font-weight:800;display:flex}.article-meta span+span:before{content:"·";color:#aa850b;margin-right:22px}.article-hero h1{max-width:930px;margin:29px 0 27px;font-size:clamp(48px,6vw,78px)}.article-hero h1 em{color:#a77b00;font-weight:500}.article-lead{max-width:760px;color:var(--ink-soft);font-family:Georgia,serif;font-size:20px;line-height:1.55}.article-author{align-items:center;gap:12px;margin-top:32px;display:flex}.article-author>span{background:var(--ink);width:38px;height:38px;color:var(--yellow);border-radius:50%;place-items:center;font-family:Georgia,serif;font-size:12px;display:grid}.article-author p{color:#65717a;margin:0;font-size:10px;line-height:1.55}.article-author strong{color:var(--ink)}.article-author a:hover strong{color:#9b7200}.guide-layout{border-top:1px solid var(--line);grid-template-columns:210px minmax(0,820px);gap:90px;max-width:1184px;margin:0 auto;padding:60px 0 110px;display:grid}.guide-toc{flex-direction:column;align-self:start;gap:12px;display:flex;position:sticky;top:24px}.guide-toc strong{color:var(--ink);text-transform:uppercase;letter-spacing:.8px;margin-bottom:7px;font-size:9px}.guide-toc a{color:#68747c;font-size:11px;line-height:1.4}.guide-toc a:hover{color:#a77b00}.guide-article{min-width:0}.guide-article>section:not(.embedded-calculator){border-bottom:1px solid var(--line);margin-bottom:58px;padding-bottom:58px;scroll-margin-top:25px}.guide-article h2{letter-spacing:-1.2px;margin:9px 0 22px;font-family:Georgia,serif;font-size:clamp(31px,3.2vw,42px);font-weight:500;line-height:1.08}.guide-article h3{margin:30px 0 10px;font-family:Georgia,serif;font-size:23px;font-weight:500}.guide-article>section>p,.guide-article li{color:#53616b;font-size:15px;line-height:1.82}.answer-formula{background:var(--ink);color:#fff;margin:27px 0;padding:27px}.answer-formula>span{color:var(--yellow);text-transform:uppercase;letter-spacing:.8px;font-size:9px;font-weight:800}.answer-formula strong{margin:16px 0 10px;font-family:Georgia,serif;font-size:clamp(22px,3vw,34px);font-weight:500;line-height:1.3;display:block}.answer-formula p{color:#b9c3ca;margin:0;font-size:11px}.embedded-calculator{background:var(--card);border:1px solid #cbc6bb;grid-template-columns:1.05fr .95fr;gap:28px;margin:0 0 65px;padding:30px;scroll-margin-top:25px;display:grid;box-shadow:9px 9px #10202f12}.embedded-calculator-copy h2{letter-spacing:-1px;margin:9px 0 10px;font-family:Georgia,serif;font-size:31px;font-weight:500}.embedded-calculator-copy>p{color:#65717a;font-size:11px;line-height:1.6}.guide-form-grid{grid-template-columns:1fr;gap:11px;padding-bottom:0}.guide-result{background:var(--ink);color:#fff;align-self:stretch;padding:24px}.guide-result>span{color:#aeb9c1;text-transform:uppercase;letter-spacing:.7px;font-size:9px}.guide-result>strong{color:var(--yellow);margin:11px 0 6px;font-family:Georgia,serif;font-size:39px;font-weight:500;display:block}.guide-result>p{color:#b7c2c9;font-size:10px;line-height:1.5}.guide-result dl{margin:24px 0 0}.guide-result dl>div{border-top:1px solid #344552;justify-content:space-between;gap:12px;padding:10px 0;font-size:10px;display:flex}.guide-result dt{color:#aeb9c1}.guide-result dd{margin:0;font-weight:800}.guide-result .guide-total{color:#7ee0b8}.article-table{border:1px solid var(--line);background:var(--card);margin:25px 0}.article-table>div{justify-content:space-between;align-items:center;gap:20px;padding:16px 19px;display:flex}.article-table>div+div{border-top:1px solid var(--line)}.article-table span{color:#5e6b74;font-size:12px}.article-table strong{font-family:Georgia,serif;font-size:20px;font-weight:500}.article-table .highlight-row{background:var(--yellow-soft)}.salary-table{border-collapse:collapse;border:1px solid var(--line);background:var(--card);width:100%;margin:26px 0;font-size:12px}.salary-table th,.salary-table td{border-bottom:1px solid var(--line);text-align:right;padding:14px 16px}.salary-table th:first-child,.salary-table td:first-child{text-align:left}.salary-table th{background:var(--ink);color:#fff;text-transform:uppercase;letter-spacing:.6px;font-size:9px;line-height:1.4}.salary-table td{color:#5b6871}.salary-table td strong{color:var(--ink)}.salary-table tbody tr:last-child td{border-bottom:0}.salary-table tbody tr:nth-child(2n){background:#f0ece2}.guide-tool-section{margin:0 0 65px;scroll-margin-top:25px}.guide-tool-section .calculator-card{margin:0;scroll-margin-top:25px}.article-note{background:#ede9df;border-left:3px solid #b58a07;padding:17px 19px;font-size:12px!important}.inline-cta{border:1px solid var(--line);background:var(--card);justify-content:space-between;align-items:center;gap:20px;margin-top:24px;padding:19px 21px;display:flex}.inline-cta span{color:#6f7a81;text-transform:uppercase;letter-spacing:.7px;font-size:9px;font-weight:800}.inline-cta strong{color:var(--green);text-align:right;font-size:11px}.decision-box{background:#f0ece2;border:1px solid #c7c2b7;margin-top:25px;padding:22px}.decision-box>strong{margin-bottom:10px;font-family:Georgia,serif;font-size:20px;display:block}.decision-box ul{margin-bottom:0;padding-left:20px}.decision-box li{font-size:12px}.choice-grid{border:1px solid var(--line);background:var(--card);grid-template-columns:1fr 1fr;margin:28px 0;display:grid}.choice-grid article{padding:25px}.choice-grid article+article{border-left:1px solid var(--line)}.choice-grid article:first-child{border-top:4px solid var(--green)}.choice-grid article:last-child{border-top:4px solid #b78b08}.choice-grid>article>span{color:#7a858c;text-transform:uppercase;letter-spacing:.7px;font-size:9px;font-weight:800}.choice-grid h3{margin:35px 0 14px}.choice-grid ul{margin:0;padding-left:18px}.choice-grid li{color:#58656e;font-size:12px;line-height:1.65}.choice-grid li+li{margin-top:9px}.liquidity-check{background:var(--ink);color:#fff;margin:28px 0;padding:24px}.liquidity-check>span{color:var(--yellow);text-transform:uppercase;letter-spacing:.8px;font-size:9px;font-weight:800}.liquidity-check strong{margin:13px 0;font-family:Georgia,serif;font-size:25px;font-weight:500;line-height:1.35;display:block}.liquidity-check p{color:#bdc6cc;margin:0;font-size:11px!important}.split-costs{border:1px solid var(--line);grid-template-columns:1fr 1fr;margin-top:28px;display:grid}.split-costs>div{padding:23px}.split-costs>div+div{border-left:1px solid var(--line)}.split-costs span{color:#a77b00;text-transform:uppercase;letter-spacing:.8px;margin-bottom:35px;font-size:9px;font-weight:800;display:block}.split-costs strong{font-family:Georgia,serif;font-size:18px;font-weight:500;line-height:1.45}.mistake-list{counter-reset:mistakes;padding:0;list-style:none}.mistake-list li{counter-increment:mistakes;border-top:1px solid var(--line);padding:18px 0 18px 52px;position:relative}.mistake-list li:before{content:counter(mistakes, decimal-leading-zero);color:#a77b00;font-family:Georgia,serif;position:absolute;top:20px;left:0}.mistake-list strong,.mistake-list span{display:block}.mistake-list strong{color:var(--ink)}.mistake-list span{margin-top:3px;font-size:12px}.dark-cta{background:var(--ink);border-color:var(--ink)}.dark-cta span{color:#adb8bf}.dark-cta strong{color:var(--yellow)}.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line);padding:18px 0}.faq-list summary{cursor:pointer;color:var(--ink);font-family:Georgia,serif;font-size:19px}.faq-list p{color:#5a6770;margin:12px 0 0;font-size:13px;line-height:1.7}.article-sources{border-bottom:0!important;margin-bottom:0!important}.timing-hero{max-width:1050px}.timing-calculator{background:var(--card);border:1px solid #cbc6bb;margin:0 0 65px;padding:30px;scroll-margin-top:25px;box-shadow:9px 9px #10202f12}.timing-intro h2{letter-spacing:-1px;margin:9px 0 10px;font-family:Georgia,serif;font-size:35px;font-weight:500}.timing-intro p{color:#65717a;max-width:690px;font-size:11px;line-height:1.6}.timing-inputs{background:#e8e3d8;grid-template-columns:repeat(4,minmax(0,1fr));gap:13px;margin:24px 0 14px;padding:17px;display:grid}.timing-baseline{background:var(--ink);color:#fff;grid-template-columns:1fr auto;align-items:center;gap:2px 20px;min-height:74px;padding:15px 18px;display:grid}.timing-baseline>span{color:#b5c0c7;text-transform:uppercase;letter-spacing:.7px;font-size:9px;font-weight:800}.timing-baseline>strong{color:var(--yellow);grid-area:1/2/3;font-family:Georgia,serif;font-size:28px;font-weight:500}.timing-baseline>strong small{color:#bec8ce;margin-left:3px;font-family:Arial,sans-serif;font-size:8px}.timing-baseline p{color:#8f9da6;text-transform:uppercase;letter-spacing:.45px;margin:0;font-size:8px}.timing-results{grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin-top:14px;display:grid}.timing-result-card{border:1px solid var(--line);background:#fff;min-width:0;padding:18px}.timing-result-card.earliest{border-top:4px solid var(--green);background:#f7f5ee}.timing-year span,.timing-saving span{color:#748087;text-transform:uppercase;letter-spacing:.65px;font-size:8px;font-weight:800;line-height:1.4;display:block}.timing-year strong{margin-top:5px;font-family:Georgia,serif;font-size:25px;font-weight:500;display:block}.timing-saving{margin:28px 0 18px}.timing-saving strong{color:var(--green);margin-top:7px;font-family:Georgia,serif;font-size:24px;font-weight:500;display:block}.timing-result-card dl{margin:0}.timing-result-card dl>div{border-top:1px solid #e6e2da;justify-content:space-between;gap:9px;padding:8px 0;font-size:8px;line-height:1.4;display:flex}.timing-result-card dt{color:#758087}.timing-result-card dd{color:var(--ink);text-align:right;margin:0;font-weight:800}.timing-verdict{background:var(--yellow-soft);border:1px solid #dec663;margin-top:14px;padding:20px 22px}.timing-verdict>span{color:#8b6a09;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.timing-verdict>strong{max-width:720px;color:var(--ink);margin:8px 0;font-family:Georgia,serif;font-size:22px;font-weight:500;line-height:1.35;display:block}.timing-verdict p{color:#59666f;margin:0;font-size:9px;line-height:1.55}.timing-empty{color:#7c4639;background:#f3e4d8;margin:14px 0 0;padding:18px;font-size:11px}.timing-explanation span{margin-bottom:22px}.commission-guide-hero{max-width:1060px}.legal-commission-calculator{background:var(--card);border:1px solid #cbc6bb;margin:0 0 65px;padding:30px;scroll-margin-top:25px;box-shadow:9px 9px #10202f12}.commission-calculator-intro h2{letter-spacing:-1px;margin:9px 0 10px;font-family:Georgia,serif;font-size:35px;font-weight:500}.commission-calculator-intro p{color:#65717a;max-width:710px;font-size:11px;line-height:1.6}.commission-form-grid{background:#e8e3d8;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px;margin:24px 0 14px;padding:17px;display:grid}.select-field select{width:100%;min-height:42px;color:var(--ink);background:#fff;border:1px solid #d2cec5;border-radius:4px;outline:none;padding:11px 38px 11px 12px;font-weight:800}.select-field select:focus{border-color:var(--ink);box-shadow:0 0 0 3px #f4cb4566}.commission-result{background:var(--ink);color:#fff;grid-template-columns:1.12fr .88fr;display:grid}.commission-result.needs-review{background:#412f29}.commission-result-main{padding:24px}.commission-result-main>span{color:#aeb9c1;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.commission-result-main>strong{color:var(--yellow);margin:10px 0 8px;font-family:Georgia,serif;font-size:36px;font-weight:500;line-height:1.1;display:block}.commission-result-main>p{color:#c3ccd2;margin:0;font-size:10px;line-height:1.5}.commission-result dl{border-left:1px solid #344552;margin:0;padding:17px 20px}.commission-result dl>div{border-top:1px solid #344552;justify-content:space-between;gap:12px;padding:9px 0;font-size:9px;line-height:1.4;display:flex}.commission-result dl>div:first-child{border-top:0}.commission-result dt{color:#aeb9c1}.commission-result dd{text-align:right;max-width:160px;margin:0;font-weight:800}.commission-warning{background:var(--yellow-soft);border:1px solid #dec663;grid-template-columns:150px 1fr;align-items:start;gap:18px;margin-top:14px;padding:17px 19px;display:grid}.commission-warning strong{color:#80600a;text-transform:uppercase;letter-spacing:.7px;font-size:9px}.commission-warning p{color:#53616a;margin:0;font-size:10px;line-height:1.55}.commission-limits-grid{border:1px solid var(--line);background:var(--card);grid-template-columns:repeat(2,1fr);margin:28px 0;display:grid}.commission-limits-grid article{min-height:175px;padding:22px}.commission-limits-grid article:nth-child(2n){border-left:1px solid var(--line)}.commission-limits-grid article:nth-child(n+3){border-top:1px solid var(--line)}.commission-limits-grid span{color:#8a6908;text-transform:uppercase;letter-spacing:.7px;font-size:9px;font-weight:800}.commission-limits-grid strong{margin:31px 0 9px;font-family:Georgia,serif;font-size:26px;font-weight:500;display:block}.commission-limits-grid p{color:#65717a;margin:0;font-size:11px;line-height:1.55}.contract-example{background:var(--ink);color:#fff;margin-top:25px;padding:22px}.contract-example span{color:var(--yellow);text-transform:uppercase;letter-spacing:.7px;font-size:9px;font-weight:800}.contract-example p{color:#c0cad0;margin:12px 0 0;font-family:Georgia,serif;font-size:18px!important;line-height:1.55!important}.mortgage-change-hero{max-width:1060px}.mortgage-change-comparator{background:var(--card);border:1px solid #cbc6bb;margin:0 0 65px;padding:30px;scroll-margin-top:25px;box-shadow:9px 9px #10202f12}.change-comparator-intro h2{letter-spacing:-1px;margin:9px 0 10px;font-family:Georgia,serif;font-size:35px;font-weight:500}.change-comparator-intro p{color:#65717a;max-width:720px;font-size:11px;line-height:1.6}.change-inputs{gap:13px;display:grid}.shared-change-inputs{background:#e8e3d8;grid-template-columns:repeat(3,minmax(0,1fr));margin:24px 0 14px;padding:17px}.change-offers-grid{grid-template-columns:1fr 1fr;gap:14px;display:grid}.change-offer-panel{border:1px solid var(--line);background:#fff;grid-template-columns:1fr 1fr;gap:12px;padding:18px;display:grid}.change-offer-panel.novation-panel{border-top:4px solid var(--green)}.change-offer-panel.subrogation-panel{border-top:4px solid #b78b08}.change-offer-panel>div{grid-column:1/-1;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:3px;display:flex}.change-offer-panel>div span{color:#6d7880;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.change-offer-panel>div strong{font-family:Georgia,serif;font-size:19px;font-weight:500}.change-baseline{background:var(--ink);color:#fff;grid-template-columns:1fr auto;align-items:end;gap:4px 20px;margin-top:14px;padding:19px 21px;display:grid}.change-baseline>span{color:#aeb9c1;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.change-baseline>strong{color:var(--yellow);grid-area:1/2/3;font-family:Georgia,serif;font-size:28px;font-weight:500}.change-baseline small{color:#bbc5cc;margin-left:3px;font-family:Arial,sans-serif;font-size:8px}.change-baseline p{color:#bac4ca;margin:0;font-size:9px}.change-results{grid-template-columns:1fr 1fr;gap:14px;margin-top:14px;display:grid}.change-result-card{border:1px solid var(--line);background:#fff;padding:19px}.change-result-card.novation{border-top:4px solid var(--green)}.change-result-card.subrogation{border-top:4px solid #b78b08}.change-result-card>span{color:#69757d;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.change-result-card h3{margin:22px 0 8px;font-family:Georgia,serif;font-size:30px;font-weight:500}.change-result-card h3 small{color:#778188;margin-left:3px;font-family:Arial,sans-serif;font-size:8px}.change-result-card>p{margin:0 0 15px;font-size:10px}.change-result-card>p strong{font-size:13px}.positive-saving{color:var(--green)}.negative-saving{color:#9a3e2d}.change-result-card dl{margin:0}.change-result-card dl>div{border-top:1px solid #e8e4dc;justify-content:space-between;gap:10px;padding:8px 0;font-size:9px;line-height:1.4;display:flex}.change-result-card dt{color:#6e7980}.change-result-card dd{color:var(--ink);text-align:right;margin:0;font-weight:800}.change-verdict{background:var(--yellow-soft);border:1px solid #dec663;margin-top:14px;padding:20px 22px}.change-verdict>span{color:#8b6a09;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.change-verdict>strong{max-width:720px;color:var(--ink);margin:8px 0;font-family:Georgia,serif;font-size:22px;font-weight:500;line-height:1.35;display:block}.change-verdict p,.change-disclaimer{color:#59666f;font-size:9px;line-height:1.6}.change-verdict p{margin:0}.change-disclaimer{margin:16px 0 0}.change-matrix{border:1px solid var(--line);background:var(--card);margin:26px 0}.change-matrix>div{grid-template-columns:.8fr 1.1fr 1.1fr;display:grid}.change-matrix>div+div{border-top:1px solid var(--line)}.change-matrix>div>*{margin:0;padding:15px 17px;font-size:10px;line-height:1.55}.change-matrix>div>*+*{border-left:1px solid var(--line)}.change-matrix span{color:#606d75}.change-matrix strong{font-weight:700}.change-matrix-head{background:var(--ink);color:#fff}.change-matrix-head span{color:#c0c9cf}.change-matrix-head strong{color:var(--yellow);font-family:Georgia,serif;font-weight:500;font-size:17px!important}.change-timeline{border-top:1px solid var(--line);margin:26px 0;padding:0;list-style:none}.change-timeline li{border-bottom:1px solid var(--line);grid-template-columns:68px 1fr;gap:16px;padding:18px 0;display:grid}.change-timeline li>span{color:#9b7200;font-family:Georgia,serif;font-size:17px}.change-timeline strong{color:var(--ink)}.change-timeline p{color:#65717a;margin:4px 0 0!important;font-size:11px!important;line-height:1.55!important}.mortgage-change-formula{padding-right:24px}.change-cost-grid article{min-height:190px}.variable-switch-hero{max-width:1060px}.variable-switch-calculator{background:var(--card);border:1px solid #cbc6bb;margin:0 0 65px;padding:30px;scroll-margin-top:25px;box-shadow:9px 9px #10202f12}.switch-calculator-intro h2{letter-spacing:-1px;margin:9px 0 10px;font-family:Georgia,serif;font-size:35px;font-weight:500}.switch-calculator-intro p{color:#65717a;max-width:720px;font-size:11px;line-height:1.6}.switch-inputs{gap:13px;display:grid}.switch-loan-inputs{background:#e8e3d8;grid-template-columns:repeat(5,minmax(0,1fr));margin:24px 0 14px;padding:17px}.switch-scenario-inputs{border:1px solid var(--line);background:#fff;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px;margin-bottom:14px;padding:17px;display:grid}.fixed-offer-summary{background:var(--ink);color:#fff;grid-template-columns:repeat(3,1fr);display:grid}.fixed-offer-summary>div{padding:18px}.fixed-offer-summary>div+div{border-left:1px solid #344552}.fixed-offer-summary span{color:#aeb9c1;text-transform:uppercase;letter-spacing:.7px;margin-bottom:8px;font-size:8px;font-weight:800;display:block}.fixed-offer-summary strong{color:var(--yellow);font-family:Georgia,serif;font-size:23px;font-weight:500}.fixed-offer-summary small{color:#bec8ce;margin-left:3px;font-family:Arial,sans-serif;font-size:8px}.switch-scenarios{grid-template-columns:repeat(3,1fr);gap:11px;margin-top:14px;display:grid}.switch-scenarios article{border:1px solid var(--line);background:#fff;min-width:0;padding:18px}.switch-scenarios article.reference-scenario{background:#f7f5ee;border-top:4px solid #b78b08}.switch-scenarios article>span{color:#6f7a81;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.switch-scenarios h3{margin:24px 0 13px;font-family:Georgia,serif;font-size:24px;font-weight:500}.switch-scenarios h3 small{color:#778188;margin-top:3px;font-family:Arial,sans-serif;font-size:8px;display:block}.switch-scenarios dl{margin:0}.switch-scenarios dl>div{border-top:1px solid #e8e4dc;justify-content:space-between;gap:8px;padding:8px 0;font-size:8px;line-height:1.45;display:flex}.switch-scenarios dt{color:#6e7980}.switch-scenarios dd{text-align:right;margin:0;font-weight:800}.switch-scenarios article>p{color:var(--green);text-transform:uppercase;letter-spacing:.55px;margin:14px 0 0;font-size:8px;font-weight:800}.switch-verdict{background:var(--yellow-soft);border:1px solid #dec663;margin-top:14px;padding:20px 22px}.switch-verdict>span{color:#8b6a09;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.switch-verdict>strong{max-width:730px;margin:8px 0;font-family:Georgia,serif;font-size:22px;font-weight:500;line-height:1.35;display:block}.switch-verdict p,.switch-disclaimer{color:#59666f;font-size:9px;line-height:1.6}.switch-verdict p{margin:0}.switch-disclaimer{margin:16px 0 0}.switch-reasons{border:1px solid var(--line);background:var(--card);grid-template-columns:repeat(3,1fr);margin:27px 0;display:grid}.switch-reasons article{padding:22px}.switch-reasons article+article{border-left:1px solid var(--line)}.switch-reasons span{color:#a77b00;font-family:Georgia,serif}.switch-reasons strong{margin:35px 0 10px;font-family:Georgia,serif;font-size:18px;font-weight:500;display:block}.switch-reasons p{color:#65717a;margin:0;font-size:11px!important;line-height:1.6!important}.switch-commission-rule{border:1px solid var(--line);background:var(--card);margin:27px 0}.switch-commission-rule>div{grid-template-columns:150px 1fr;align-items:center;gap:22px;padding:18px 20px;display:grid}.switch-commission-rule>div+div{border-top:1px solid var(--line)}.switch-commission-rule span{color:#6b777f;text-transform:uppercase;letter-spacing:.65px;font-size:9px;font-weight:800}.switch-commission-rule strong{font-family:Georgia,serif;font-size:19px;font-weight:500;line-height:1.4}.invest-or-amortize-hero{max-width:1080px}.invest-or-amortize-calculator{background:var(--card);border:1px solid #cbc6bb;margin:0 0 65px;padding:30px;scroll-margin-top:25px;box-shadow:9px 9px #10202f12}.invest-calculator-intro h2{letter-spacing:-1px;margin:9px 0 10px;font-family:Georgia,serif;font-size:35px;font-weight:500}.invest-calculator-intro p{color:#65717a;max-width:730px;font-size:11px;line-height:1.6}.invest-input-groups{border:1px solid var(--line);background:#fff;grid-template-columns:1fr 1fr;margin:24px 0 14px;display:grid}.invest-input-groups>div{grid-template-columns:1fr 1fr;gap:11px;padding:18px;display:grid}.invest-input-groups>div+div{border-left:1px solid var(--line)}.invest-input-groups>div>strong{grid-column:1/-1;margin-bottom:4px;font-family:Georgia,serif;font-size:18px;font-weight:500}.reserve-gate{border:1px solid;margin-bottom:14px;padding:16px 18px}.reserve-gate span{text-transform:uppercase;letter-spacing:.7px;margin-bottom:7px;font-size:8px;font-weight:800;display:block}.reserve-gate strong{font-size:10px;line-height:1.5}.reserve-gate.solid{color:#176648;background:#e1f1e8;border-color:#9ac8b1}.reserve-gate.tight{background:var(--yellow-soft);color:#80600a;border-color:#dec663}.reserve-gate.insufficient{color:#8a3929;background:#f6e2dc;border-color:#d6a292}.invest-comparison-results{grid-template-columns:1fr 1fr;gap:14px;display:grid}.invest-comparison-results article{border:1px solid var(--line);background:#fff;padding:20px}.invest-comparison-results article:first-child{border-top:4px solid #5f7180}.invest-comparison-results article:last-child{border-top:4px solid #b78b08}.invest-comparison-results article.winner{border-top-color:var(--green);background:#f7f5ee}.invest-comparison-results article>span{color:#6f7a81;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.invest-comparison-results h3{margin:24px 0 15px;font-family:Georgia,serif;font-size:30px;font-weight:500}.invest-comparison-results h3 small{color:#778188;max-width:210px;margin-top:4px;font-family:Arial,sans-serif;font-size:8px;line-height:1.4;display:block}.invest-comparison-results dl{margin:0}.invest-comparison-results dl>div{border-top:1px solid #e8e4dc;justify-content:space-between;gap:10px;padding:8px 0;font-size:9px;line-height:1.4;display:flex}.invest-comparison-results dt{color:#6e7980}.invest-comparison-results dd{text-align:right;margin:0;font-weight:800}.invest-verdict{background:var(--ink);color:#fff;margin-top:14px;padding:20px 22px}.invest-verdict>span{color:var(--yellow);text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.invest-verdict>strong{max-width:720px;margin:8px 0;font-family:Georgia,serif;font-size:22px;font-weight:500;line-height:1.35;display:block}.invest-verdict p{color:#bbc5cb;margin:0;font-size:9px;line-height:1.6}.invest-disclaimer{color:#59666f;margin:16px 0 0;font-size:9px;line-height:1.6}.invest-answer-formula{grid-template-columns:105px 1fr;align-items:baseline;gap:10px 20px;display:grid}.invest-answer-formula strong{margin:0;font-size:22px}.fair-comparison-grid{border:1px solid var(--line);background:var(--card);grid-template-columns:1fr 1fr;margin:27px 0;display:grid}.fair-comparison-grid article{padding:24px}.fair-comparison-grid article+article{border-left:1px solid var(--line)}.fair-comparison-grid span{color:#a77b00;text-transform:uppercase;letter-spacing:.7px;font-size:9px;font-weight:800}.fair-comparison-grid strong{min-height:74px;margin:34px 0 12px;font-family:Georgia,serif;font-size:18px;font-weight:500;line-height:1.45;display:block}.fair-comparison-grid p{color:#65717a;margin:0;font-size:11px!important;line-height:1.6!important}.invest-deductions{border:1px solid var(--line);background:var(--card);margin:27px 0}.invest-deductions>div{justify-content:space-between;align-items:center;gap:20px;padding:16px 19px;display:flex}.invest-deductions>div+div{border-top:1px solid var(--line)}.invest-deductions span{color:#5e6b74;font-size:11px}.invest-deductions strong{text-align:right;font-family:Georgia,serif;font-size:17px;font-weight:500}.invest-deductions .highlight-row{background:var(--yellow-soft)}.tin-tae-formula{grid-template-columns:1fr 1fr;padding:0;display:grid}.tin-tae-formula>div{padding:26px}.tin-tae-formula>div+div{border-left:1px solid #344552}.tin-tae-formula span{color:var(--yellow);text-transform:uppercase;letter-spacing:.8px;font-size:10px;font-weight:800}.tin-tae-formula strong{font-size:21px;line-height:1.38}.offer-comparator{background:var(--card);border:1px solid #cbc6bb;margin:0 0 65px;padding:30px;scroll-margin-top:25px;box-shadow:9px 9px #10202f12}.comparator-intro h2{letter-spacing:-1px;margin:9px 0 10px;font-family:Georgia,serif;font-size:35px;font-weight:500}.comparator-intro p{color:#65717a;max-width:680px;font-size:11px;line-height:1.6}.comparator-shared{background:#e8e3d8;grid-template-columns:1fr 1fr;gap:13px;margin:24px 0 15px;padding:17px;display:grid}.offers-grid{grid-template-columns:1fr 1fr;gap:14px;display:grid}.offer-panel{border:1px solid var(--line);background:#fff;min-width:0;padding:19px}.offer-panel.offer-a{border-top:4px solid var(--green)}.offer-panel.offer-b{border-top:4px solid #b78b08}.offer-heading{justify-content:space-between;align-items:baseline;gap:10px;min-height:28px;display:flex}.offer-heading span{color:#66737b;text-transform:uppercase;letter-spacing:.8px;font-size:9px;font-weight:800}.offer-heading strong{color:var(--ink);font-family:Georgia,serif;font-size:18px;font-weight:500}.offer-form-grid{gap:10px;margin-top:13px;display:grid}.offer-result{background:var(--ink);color:#fff;margin-top:18px;padding:18px}.offer-result>div{justify-content:space-between;align-items:baseline;gap:12px;display:flex}.offer-result>div>span{color:#aeb9c1;text-transform:uppercase;letter-spacing:.6px;font-size:8px;font-weight:800}.offer-result>div>strong{color:var(--yellow);text-align:right;font-family:Georgia,serif;font-size:24px;font-weight:500}.offer-result>div>strong small{color:#bac5cc;margin-left:2px;font-family:Arial,sans-serif;font-size:8px}.offer-result .tae-line{border-top:1px solid #344552;margin-top:13px;padding-top:13px}.offer-result .tae-line strong{color:#7ee0b8;font-size:22px}.offer-result dl{margin:17px 0 0}.offer-result dl>div{border-top:1px solid #344552;justify-content:space-between;gap:10px;padding:8px 0;font-size:9px;display:flex}.offer-result dt{color:#aeb9c1}.offer-result dd{text-align:right;margin:0;font-weight:800}.comparison-verdict{background:var(--yellow-soft);border:1px solid #dec663;margin-top:15px;padding:19px 21px}.comparison-verdict>span{color:#8b6a09;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.comparison-verdict>strong{color:var(--ink);margin:7px 0;font-family:Georgia,serif;font-size:22px;font-weight:500;display:block}.comparison-verdict p{color:#59666f;margin:0;font-size:10px;line-height:1.55}.comparator-disclaimer{color:#69747b;margin:16px 0 0;font-size:9px;line-height:1.6}.tae-components{margin-bottom:24px}.fein-checklist li{padding-left:56px}.mortgage-type-hero{max-width:1040px}.mortgage-type-grid{border:1px solid var(--line);background:var(--card);grid-template-columns:repeat(3,1fr);margin:28px 0;display:grid}.mortgage-type-grid article{min-height:235px;padding:24px}.mortgage-type-grid article+article{border-left:1px solid var(--line)}.mortgage-type-grid span{color:#a77b00;text-transform:uppercase;letter-spacing:.8px;font-size:9px;font-weight:800}.mortgage-type-grid strong{margin:62px 0 12px;font-family:Georgia,serif;font-size:21px;font-weight:500;line-height:1.35;display:block}.mortgage-type-grid p{color:#65717a;margin:0;font-size:11px;line-height:1.6}.type-simulator{background:var(--card);border:1px solid #cbc6bb;margin:0 0 65px;padding:30px;scroll-margin-top:25px;box-shadow:9px 9px #10202f12}.type-simulator-intro h2{letter-spacing:-1px;margin:9px 0 10px;font-family:Georgia,serif;font-size:35px;font-weight:500}.type-simulator-intro p{color:#65717a;max-width:690px;font-size:11px;line-height:1.6}.type-shared-inputs{background:#e8e3d8;grid-template-columns:repeat(3,1fr);gap:13px;margin:24px 0 14px;padding:17px;display:grid}.rate-input-groups{border:1px solid var(--line);background:#fff;grid-template-columns:.8fr 1.1fr 1.1fr;display:grid}.rate-input-groups>div{flex-direction:column;gap:10px;padding:18px;display:flex}.rate-input-groups>div+div{border-left:1px solid var(--line)}.rate-input-groups>div>strong{min-height:26px;color:var(--ink);font-family:Georgia,serif;font-size:17px;font-weight:500}.type-results-grid{grid-template-columns:repeat(3,1fr);gap:12px;margin-top:15px;display:grid}.type-result{border:1px solid var(--line);background:#fff;min-width:0;padding:19px}.type-result.fixed-result{border-top:4px solid var(--green)}.type-result.variable-result{border-top:4px solid #b78b08}.type-result.mixed-result{border-top:4px solid #5f7180}.type-result>span{color:#6f7a81;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.type-result h3{color:var(--ink);margin:22px 0 8px;font-family:Georgia,serif;font-size:27px;font-weight:500}.type-result h3 small{color:#778188;margin-left:3px;font-family:Arial,sans-serif;font-size:8px}.type-result>p{color:#65717a;min-height:52px;font-size:9px;line-height:1.55}.type-result>p strong{color:var(--ink)}.limit-badge{text-transform:uppercase;letter-spacing:.45px;align-items:center;min-height:35px;padding:8px 9px;font-size:8px;font-weight:800;line-height:1.35;display:flex}.limit-badge.fits{color:#176648;background:#dff3e9}.limit-badge.exceeds{color:#8a3929;background:#f6e2dc}.type-result dl{margin:16px 0 0}.type-result dl>div{border-top:1px solid #e8e4dc;justify-content:space-between;gap:10px;padding:8px 0;font-size:8px;line-height:1.4;display:flex}.type-result dt{color:#6e7980}.type-result dd{color:var(--ink);text-align:right;margin:0;font-weight:800}.stress-verdict{background:var(--ink);color:#fff;margin-top:15px;padding:20px 22px}.stress-verdict>span{color:var(--yellow);text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.stress-verdict>strong{max-width:690px;margin:8px 0;font-family:Georgia,serif;font-size:22px;font-weight:500;line-height:1.35;display:block}.stress-verdict p{color:#b8c2c9;margin:0;font-size:9px;line-height:1.55}.variable-formula{padding:24px}.mortgage-decision-list li{padding-left:56px}.not-found-page{max-width:900px;min-height:620px;margin:0 auto;padding:120px 28px}.not-found-page h1{max-width:760px;margin:20px 0;font-size:clamp(58px,8vw,96px)}.not-found-page h1 em{color:#a77b00;font-weight:500}.not-found-page>p{color:#5b6871;max-width:590px;font-family:Georgia,serif;font-size:18px;line-height:1.6}.purchase-guide-hero{max-width:1060px}.purchase-timeline-calculator{border:1px solid var(--line);background:#f4f1e9;padding:30px;scroll-margin-top:25px}.purchase-timeline-grid{grid-template-columns:minmax(0,1fr) minmax(290px,.9fr);gap:24px;margin-top:28px;display:grid}.purchase-timeline-fields{gap:11px;display:grid}.purchase-cash-result{background:var(--ink);color:#fff;padding:24px}.purchase-cash-result>span{color:#aeb9c1;text-transform:uppercase;letter-spacing:.7px;font-size:9px}.purchase-cash-result>strong{color:var(--yellow);margin:12px 0 7px;font-family:Georgia,serif;font-size:39px;font-weight:500;display:block}.purchase-cash-result>p{color:#b7c2c9;font-size:10px;line-height:1.5}.purchase-cash-result dl{margin:25px 0 0}.purchase-cash-result dl>div{border-top:1px solid #344552;justify-content:space-between;gap:12px;padding:10px 0;font-size:10px;display:flex}.purchase-cash-result dt{color:#aeb9c1}.purchase-cash-result dd{text-align:right;margin:0;font-weight:800}.purchase-cash-result .cash-positive dd{color:#7ee0b8}.purchase-cash-result .cash-negative dd{color:#ffbf9d}.cash-timeline{border:1px solid var(--line);background:#fff;grid-template-columns:repeat(3,1fr);margin:22px 0 0;padding:0;list-style:none;display:grid}.cash-timeline li{gap:12px;padding:19px;display:flex}.cash-timeline li+li{border-left:1px solid var(--line)}.cash-timeline li>span{background:var(--yellow-soft);color:#8f6d06;border-radius:50%;flex:0 0 25px;place-items:center;width:25px;height:25px;font-size:10px;font-weight:800;display:grid}.cash-timeline strong,.cash-timeline b{display:block}.cash-timeline strong{min-height:29px;color:var(--ink);font-family:Georgia,serif;font-size:14px;font-weight:500}.cash-timeline b{color:var(--green);margin:8px 0 6px;font-size:16px}.cash-timeline p{color:#65717a;margin:0;font-size:9px;line-height:1.5}.purchase-warning{background:#eee8d7;border-left:3px solid #b58a07;margin-top:16px;padding:17px 19px}.purchase-warning.danger{background:#f3e4dd;border-left-color:#b75e38}.purchase-warning strong{font-family:Georgia,serif;font-size:17px;font-weight:500}.purchase-warning p{color:#59666f;margin:6px 0 0;font-size:10px;line-height:1.55}.high-ltv-guide-hero{max-width:1080px}.high-ltv-calculator{border:1px solid var(--line);background:#f4f1e9;padding:30px;scroll-margin-top:25px}.high-ltv-input-groups{border:1px solid var(--line);background:#fff;grid-template-columns:1.15fr .85fr;margin-top:28px;display:grid}.high-ltv-input-groups>div{align-content:start;gap:11px;padding:20px;display:grid}.high-ltv-input-groups>div+div{border-left:1px solid var(--line)}.high-ltv-input-groups>div>strong{color:#9b7200;margin-bottom:4px;font-family:Georgia,serif;font-size:18px;font-weight:500}.ltv-results{grid-template-columns:repeat(3,1fr);gap:12px;margin-top:15px;display:grid}.ltv-results article{border:1px solid var(--line);background:#fff;border-top:4px solid #667886;padding:20px}.ltv-results article:nth-child(2){border-top-color:#b78b08}.ltv-results article:nth-child(3){border-top-color:var(--green)}.ltv-results span{color:#6f7a81;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.ltv-results strong{color:var(--ink);margin:20px 0 9px;font-family:Georgia,serif;font-size:30px;font-weight:500;display:block}.ltv-results p{color:#65717a;margin:0;font-size:9px;line-height:1.55}.ltv-cash-strip{border:1px solid var(--line);background:#fff;grid-template-columns:repeat(4,1fr);margin-top:12px;display:grid}.ltv-cash-strip>div{padding:16px}.ltv-cash-strip>div+div{border-left:1px solid var(--line)}.ltv-cash-strip span{color:#6d7880;text-transform:uppercase;letter-spacing:.6px;min-height:27px;font-size:8px;font-weight:800;line-height:1.4;display:block}.ltv-cash-strip strong{margin-top:7px;font-family:Georgia,serif;font-size:19px;font-weight:500;display:block}.ltv-cash-strip .fits{background:#e3f1e9}.ltv-cash-strip .misses{background:#f3e4dd}.ltv-verdict{background:var(--yellow-soft);border-left:4px solid #b78b08;grid-template-columns:28px 1fr;gap:13px;margin-top:15px;padding:19px 21px;display:grid}.ltv-verdict>span{color:#fff;background:#b78b08;border-radius:50%;place-items:center;width:28px;height:28px;font-weight:800;display:grid}.ltv-verdict strong{color:var(--ink);font-family:Georgia,serif;font-size:18px;font-weight:500}.ltv-verdict p,.ltv-verdict ul{color:#59666f;margin:7px 0 0;padding-left:17px;font-size:10px;line-height:1.55}.ltv-verdict p{padding-left:0}.ltv-verdict.good{border-left-color:var(--green);background:#e3f1e9}.ltv-verdict.good>span{background:var(--green)}.ltv-verdict.high{background:#f3e4dd;border-left-color:#b75e38}.ltv-verdict.high>span{background:#b75e38}.ltv-answer-formula{grid-template-columns:1fr auto 1fr;align-items:center;gap:8px 16px;display:grid}.ltv-answer-formula>span:first-child,.ltv-answer-formula p{grid-column:1/-1}.ltv-answer-formula>span:not(:first-child){color:#aeb9c1;text-align:center}.ltv-answer-formula strong{margin:8px 0}.financing-tests-grid{border:1px solid var(--line);background:var(--card);grid-template-columns:repeat(3,1fr);margin:26px 0;display:grid}.financing-tests-grid article{padding:22px}.financing-tests-grid article+article{border-left:1px solid var(--line)}.financing-tests-grid span{color:#a77b00;font-size:10px;font-weight:800}.financing-tests-grid strong{margin:29px 0 9px;font-family:Georgia,serif;font-size:22px;font-weight:500;display:block}.financing-tests-grid p{color:#65717a;margin:0;font-size:10px!important;line-height:1.6!important}.ico-facts-grid{border:1px solid var(--line);background:#fff;grid-template-columns:1fr 1fr;margin:25px 0;display:grid}.ico-facts-grid>div{padding:21px}.ico-facts-grid>div:nth-child(2n){border-left:1px solid var(--line)}.ico-facts-grid>div:nth-child(n+3){border-top:1px solid var(--line)}.ico-facts-grid span{color:#8b6a09;text-transform:uppercase;letter-spacing:.65px;font-size:8px;font-weight:800}.ico-facts-grid strong{margin:15px 0 7px;font-family:Georgia,serif;font-size:22px;font-weight:500;display:block}.ico-facts-grid p{color:#65717a;margin:0;font-size:10px!important;line-height:1.55!important}.ltv-example-table{border:1px solid var(--line);background:var(--card);margin:25px 0}.ltv-example-table>div{grid-template-columns:1.3fr .7fr .7fr;gap:16px;padding:15px 18px;display:grid}.ltv-example-table>div+div{border-top:1px solid var(--line)}.ltv-example-table .table-head{background:var(--ink);color:#fff}.ltv-example-table span{color:#5e6b74;font-size:11px}.ltv-example-table .table-head span{color:#d6dde1}.ltv-example-table strong{text-align:right;font-family:Georgia,serif;font-size:17px;font-weight:500}.ltv-example-table .highlight-row{background:var(--yellow-soft)}.author-hero{max-width:1120px}.author-profile-band{background:var(--ink);color:#fff;grid-template-columns:74px 1fr auto;align-items:center;gap:24px;max-width:1184px;margin:0 auto;padding:34px 38px;display:grid}.author-monogram{width:74px;height:74px;color:var(--yellow);border:1px solid #53636f;border-radius:50%;place-items:center;font-family:Georgia,serif;font-size:22px;display:grid}.author-profile-band span{color:var(--yellow);text-transform:uppercase;letter-spacing:.8px;font-size:8px;font-weight:800}.author-profile-band h2{margin:6px 0;font-family:Georgia,serif;font-size:28px;font-weight:500}.author-profile-band p{color:#bec7cd;max-width:650px;margin:0;font-size:11px;line-height:1.55}.author-profile-band>a{color:#fff;border:1px solid #5e6d77;padding:12px 15px;font-size:10px;font-weight:800}.author-profile-band>a:hover{border-color:var(--yellow);color:var(--yellow)}.author-policy-layout{border-top:0}.editorial-process{border-top:1px solid var(--line);margin:27px 0;padding:0;list-style:none}.editorial-process li{border-bottom:1px solid var(--line);grid-template-columns:34px 1fr;gap:13px;padding:17px 0;display:grid}.editorial-process li>span{background:var(--yellow-soft);color:#8b6a09;border-radius:50%;place-items:center;width:28px;height:28px;font-size:10px;font-weight:800;display:grid}.editorial-process strong{color:var(--ink);font-family:Georgia,serif;font-size:18px;font-weight:500}.editorial-process p{color:#65717a;margin:4px 0 0;font-size:11px;line-height:1.6}.source-priority-grid{border:1px solid var(--line);background:var(--card);grid-template-columns:repeat(3,1fr);margin:25px 0;display:grid}.source-priority-grid article{padding:21px}.source-priority-grid article+article{border-left:1px solid var(--line)}.source-priority-grid span{color:#9b7200;text-transform:uppercase;letter-spacing:.65px;font-size:8px;font-weight:800}.source-priority-grid strong{min-height:49px;margin:23px 0 8px;font-family:Georgia,serif;font-size:17px;font-weight:500;line-height:1.4;display:block}.source-priority-grid p{color:#65717a;margin:0;font-size:10px!important;line-height:1.55!important}.correction-grid{border:1px solid var(--line);background:#fff;grid-template-columns:repeat(3,1fr);margin:25px 0;display:grid}.correction-grid>div{padding:20px}.correction-grid>div+div{border-left:1px solid var(--line)}.correction-grid strong{font-family:Georgia,serif;font-size:18px;font-weight:500}.correction-grid p{color:#65717a;margin:8px 0 0;font-size:10px;line-height:1.55}.contact-card{border-left:4px solid var(--yellow);background:var(--ink);color:#fff;margin-top:24px;padding:24px;display:block}.contact-card span{color:var(--yellow);text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.contact-card strong{margin:13px 0 7px;font-family:Georgia,serif;font-size:24px;font-weight:500;display:block}.contact-card small{color:#b9c3ca;font-size:10px}.contact-hero{max-width:1080px}.contact-options{border:1px solid var(--line);background:var(--card);grid-template-columns:repeat(3,1fr);max-width:1184px;margin:0 auto;display:grid}.contact-options article{padding:30px}.contact-options article+article{border-left:1px solid var(--line)}.contact-options article>span{color:#9b7200;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.contact-options h2{min-height:62px;margin:35px 0 12px;font-family:Georgia,serif;font-size:25px;font-weight:500;line-height:1.2}.contact-options p{color:#65717a;min-height:90px;font-size:11px;line-height:1.65}.contact-options a{color:var(--green);text-transform:uppercase;letter-spacing:.65px;font-size:9px;font-weight:800}.contact-details-grid{grid-template-columns:1.2fr .8fr;align-items:center;gap:60px;max-width:1000px;margin:80px auto;display:grid}.contact-details-grid h2{margin:13px 0;font-family:Georgia,serif;font-size:clamp(32px,4vw,47px);font-weight:500}.contact-details-grid p{color:#65717a;margin-bottom:28px;font-size:12px;line-height:1.65}.contact-details-grid aside{border-left:4px solid var(--yellow);background:var(--ink);color:#fff;padding:25px}.contact-details-grid aside strong{color:var(--yellow);text-transform:uppercase;letter-spacing:.7px;font-size:9px}.contact-details-grid ul{color:#c2cbd0;margin:17px 0 0;padding-left:18px;font-size:11px;line-height:1.8}.contact-links-band{background:var(--ink);color:#fff;grid-template-columns:repeat(3,1fr);display:grid}.contact-links-band>div{padding:30px}.contact-links-band>div+div{border-left:1px solid #3b4b57}.contact-links-band span{color:#aeb9c1;text-transform:uppercase;letter-spacing:.7px;margin-bottom:11px;font-size:8px;display:block}.contact-links-band a{color:var(--yellow);font-family:Georgia,serif;font-size:17px}.pulse-home-banner{border-left:4px solid var(--yellow);background:var(--ink);color:#fff;grid-template-columns:.65fr 1.5fr auto;align-items:center;gap:22px;margin:0 0 35px;padding:24px 27px;display:grid}.pulse-home-banner span{color:var(--yellow);text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.pulse-home-banner strong{font-family:Georgia,serif;font-size:18px;font-weight:500;line-height:1.4}.pulse-home-banner b{color:#dce3e7;text-transform:uppercase;letter-spacing:.6px;font-size:9px}.pulse-guide-hero{max-width:1080px}.pulse-data-strip{background:var(--ink);color:#fff;grid-template-columns:repeat(4,1fr);display:grid}.pulse-data-strip article{padding:29px}.pulse-data-strip article+article{border-left:1px solid #3b4b57}.pulse-data-strip span{color:#aeb9c1;text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.pulse-data-strip strong{color:var(--yellow);margin:17px 0 8px;font-family:Georgia,serif;font-size:28px;font-weight:500;display:block}.pulse-data-strip p{color:#bdc6cc;margin:0;font-size:9px;line-height:1.55}.pulse-layout{border-top:0}.pulse-calculator{border:1px solid var(--line);background:#f4f1e9;padding:30px;scroll-margin-top:25px}.pulse-calculator-grid{grid-template-columns:.85fr 1.15fr;gap:18px;margin-top:26px;display:grid}.pulse-fields{gap:11px;display:grid}.pulse-payment-results{grid-template-columns:1fr 1fr;gap:11px;display:grid}.pulse-payment-results article{border:1px solid var(--line);background:#fff;border-top:4px solid #667886;padding:20px}.pulse-payment-results article+article{border-top-color:#b78b08}.pulse-payment-results span{color:#6f7a81;text-transform:uppercase;letter-spacing:.55px;font-size:8px;font-weight:800;line-height:1.4}.pulse-payment-results strong{margin-top:35px;font-family:Georgia,serif;font-size:31px;font-weight:500;display:block}.pulse-payment-results small{color:#69757d;font-family:Arial,sans-serif;font-size:9px}.pulse-impact-result{background:var(--ink);color:#fff;grid-template-columns:.7fr auto 1fr;align-items:center;gap:22px;margin-top:14px;padding:21px;display:grid}.pulse-impact-result span{color:var(--yellow);text-transform:uppercase;letter-spacing:.7px;font-size:8px;font-weight:800}.pulse-impact-result strong{font-family:Georgia,serif;font-size:25px;font-weight:500}.pulse-impact-result p{color:#bac4ca;margin:0;font-size:9px;line-height:1.55}.pulse-comparison-row{grid-template-columns:1fr auto 1fr auto 1fr;align-items:center;gap:14px;margin:25px 0;display:grid}.pulse-comparison-row>div{border:1px solid var(--line);background:#fff;padding:20px}.pulse-comparison-row span{color:#6d7880;text-transform:uppercase;letter-spacing:.6px;font-size:8px;font-weight:800;display:block}.pulse-comparison-row strong{margin-top:12px;font-family:Georgia,serif;font-size:23px;font-weight:500;display:block}.pulse-comparison-row>b{color:#9b7200;font-size:18px}.source-cutoff{color:#65717a;margin-top:22px;font-size:10px!important}@media (width<=1020px){.hero{grid-template-columns:1fr;gap:25px;max-width:760px}.site-header nav{display:none}.proof-strip{grid-template-columns:1fr 1fr;gap:20px}.proof-strip>div:first-of-type{border-left:0;padding-left:0}.feature-section,.guides-section{padding-inline:28px}.tool-grid{grid-template-columns:1fr 1fr}.tool-grid article:nth-child(3){border-top:1px solid #cbc6bb;border-left:0}.tool-grid article:nth-child(4){border-top:1px solid #cbc6bb}.affordability-layout{grid-template-columns:1fr;max-width:760px}.purchase-cost-hero .affordability-layout{grid-template-columns:1fr}.amortization-layout{grid-template-columns:1fr;max-width:820px;margin:0 auto}.article-hero,.guide-layout{margin-inline:28px}.guide-layout{grid-template-columns:180px minmax(0,1fr);gap:45px}.embedded-calculator{grid-template-columns:1fr}.tax-explain{padding-inline:28px}.tax-rules-grid{grid-template-columns:1fr 1fr}.tax-rules-grid article:nth-child(3){border-left:0;border-top:1px solid var(--line)}.tax-rules-grid article:nth-child(4){border-top:1px solid var(--line)}.explain-section,.document-hero,.document-layout,.about-grid,.about-copy{margin-inline:28px}.document-layout{grid-template-columns:190px 1fr;gap:40px}.timing-inputs,.timing-results{grid-template-columns:repeat(2,minmax(0,1fr))}.commission-form-grid{grid-template-columns:1fr 1fr}.change-offer-panel{grid-template-columns:1fr}.change-offer-panel>div{grid-column:1}.switch-loan-inputs{grid-template-columns:repeat(3,minmax(0,1fr))}.invest-input-groups>div{grid-template-columns:1fr}.invest-input-groups>div>strong{grid-column:1}}@media (width<=720px){.site-header{height:68px;padding:0 18px}.header-cta{display:none}.hero{padding:46px 18px 58px}h1{letter-spacing:-2.5px;font-size:48px}.hero-actions{flex-direction:column;align-items:flex-start;gap:14px}.trust-row{gap:12px 18px}.calculator-card{padding:19px;box-shadow:7px 7px #10202f14}.card-heading{align-items:center}.card-heading h2{font-size:20px}.form-grid{grid-template-columns:1fr;gap:12px}.main-result,.main-result>span{display:block}.main-result strong{font-size:34px}.result-metrics{grid-template-columns:1fr}.result-metrics>div+div{border-top:1px solid #344552;border-left:0}.proof-strip{grid-template-columns:1fr;padding:24px 18px}.proof-strip>div{border-top:1px solid #10202f33;border-left:0;padding:13px 0 0}.feature-section,.roadmap-section,.guides-section{padding:72px 18px}.feature-grid,.guide-grid{grid-template-columns:1fr}.method-note{grid-template-columns:auto 1fr}.method-note a{grid-column:2}.section-intro.compact{display:block}.tool-grid{grid-template-columns:1fr}.tool-grid article+article{border-top:1px solid #cbc6bb;border-left:0}.guides-heading{display:block}.editorial-note{margin-top:15px;display:block}.guide-grid h3,.guide-grid p{min-height:0}footer{grid-template-columns:1fr 1fr;gap:34px;padding:48px 18px 26px}.footer-brand{grid-column:1/-1}.subpage-hero{padding:45px 18px 65px}.subpage-copy h1,.document-hero h1{letter-spacing:-2px;font-size:46px}.affordability-card .form-grid{grid-template-columns:1fr}.explain-section,.document-hero,.document-layout,.about-grid,.about-copy{margin-inline:18px}.explain-section{padding:70px 0}.explain-grid,.about-grid{grid-template-columns:1fr}.explain-grid article+article{border-left:0;border-top:1px solid var(--line)}.next-step-band{padding:45px 18px;display:block}.next-step-band .primary-button{margin-top:25px}.document-hero{padding:45px 0 55px}.document-layout{padding:45px 0 70px;display:block}.document-layout aside{margin-bottom:50px;position:static}.data-table>div{grid-template-columns:80px 1fr}.legal-identity>div{grid-template-columns:1fr;gap:6px}.about-principle+.about-principle{border-left:1px solid var(--line);border-top:0}.about-copy{grid-template-columns:1fr;gap:20px;padding:60px 0 75px}.tax-explain{padding-inline:18px}.tax-rules-grid{grid-template-columns:1fr}.tax-rules-grid article+article{border-left:0;border-top:1px solid var(--line)}.source-links-row{padding-left:0}.amortization-form,.baseline-box{grid-template-columns:1fr}.baseline-box>div+div{border-top:1px solid #344552;border-left:0}.comparison-grid{grid-template-columns:1fr}.commission-section{grid-template-columns:1fr;gap:25px;margin-top:50px}.article-hero{padding:45px 0 55px}.article-hero h1{letter-spacing:-2px;font-size:46px}.article-meta span+span:before{display:none}.guide-layout{margin-inline:18px;padding:40px 0 70px;display:block}.guide-toc{border:1px solid var(--line);background:#ffffff4d;margin-bottom:45px;padding:20px;position:static}.embedded-calculator{padding:19px;box-shadow:6px 6px #10202f12}.guide-result>strong{font-size:34px}.split-costs{grid-template-columns:1fr}.split-costs>div+div{border-left:0;border-top:1px solid var(--line)}.choice-grid{grid-template-columns:1fr}.choice-grid article+article{border-left:0;border-top:1px solid var(--line)}.choice-grid article:last-child{border-top:4px solid #b78b08}.inline-cta{display:block}.inline-cta strong{text-align:left;margin-top:9px;display:block}.salary-table{font-size:10px}.salary-table th,.salary-table td{padding:11px 8px}.tin-tae-formula{grid-template-columns:1fr}.tin-tae-formula>div+div{border-top:1px solid #344552;border-left:0}.offer-comparator{padding:19px;box-shadow:6px 6px #10202f12}.comparator-shared,.offers-grid{grid-template-columns:1fr}.offer-panel{padding:15px}.mortgage-type-grid,.type-shared-inputs,.rate-input-groups,.type-results-grid{grid-template-columns:1fr}.mortgage-type-grid article{min-height:0}.mortgage-type-grid article+article,.rate-input-groups>div+div{border-left:0;border-top:1px solid var(--line)}.mortgage-type-grid strong{margin-top:28px}.type-simulator,.timing-calculator{padding:19px;box-shadow:6px 6px #10202f12}.timing-inputs,.timing-results,.timing-baseline{grid-template-columns:1fr}.timing-baseline>strong{grid-area:auto;margin:6px 0}.legal-commission-calculator{padding:19px;box-shadow:6px 6px #10202f12}.commission-form-grid,.commission-result,.commission-warning,.commission-limits-grid{grid-template-columns:1fr}.commission-result dl{border-top:1px solid #344552;border-left:0}.commission-limits-grid article:nth-child(2n){border-left:0}.commission-limits-grid article+article{border-top:1px solid var(--line)}.mortgage-change-comparator{padding:19px;box-shadow:6px 6px #10202f12}.shared-change-inputs,.change-offers-grid,.change-results,.change-baseline{grid-template-columns:1fr}.change-baseline>strong{grid-area:auto;margin:6px 0}.change-matrix{overflow-x:auto}.change-matrix>div{min-width:650px}.variable-switch-calculator{padding:19px;box-shadow:6px 6px #10202f12}.switch-loan-inputs,.switch-scenario-inputs,.fixed-offer-summary,.switch-scenarios,.switch-reasons{grid-template-columns:1fr}.fixed-offer-summary>div+div,.switch-reasons article+article{border-left:0;border-top:1px solid var(--line)}.switch-commission-rule>div{grid-template-columns:1fr;gap:7px}.invest-or-amortize-calculator{padding:19px;box-shadow:6px 6px #10202f12}.invest-input-groups,.invest-comparison-results,.fair-comparison-grid{grid-template-columns:1fr}.invest-input-groups>div+div,.fair-comparison-grid article+article{border-left:0;border-top:1px solid var(--line)}.invest-answer-formula{grid-template-columns:1fr}.invest-answer-formula strong+span{margin-top:15px}.purchase-timeline-calculator{padding:19px}.purchase-timeline-grid,.cash-timeline{grid-template-columns:1fr}.cash-timeline li+li{border-left:0;border-top:1px solid var(--line)}.high-ltv-calculator{padding:19px}.high-ltv-input-groups,.ltv-results,.ltv-cash-strip,.financing-tests-grid,.ico-facts-grid{grid-template-columns:1fr}.high-ltv-input-groups>div+div,.ltv-cash-strip>div+div,.financing-tests-grid article+article,.ico-facts-grid>div:nth-child(2n){border-left:0;border-top:1px solid var(--line)}.ico-facts-grid>div:nth-child(n+3){border-top:1px solid var(--line)}.ltv-answer-formula{grid-template-columns:1fr}.ltv-answer-formula>span:first-child,.ltv-answer-formula p{grid-column:1}.ltv-answer-formula>span:not(:first-child){text-align:left}.ltv-example-table>div{grid-template-columns:1.1fr .8fr .8fr;gap:9px;padding-inline:11px}.ltv-example-table strong{font-size:14px}.author-profile-band{grid-template-columns:58px 1fr;margin-inline:18px;padding:25px}.author-monogram{width:58px;height:58px}.author-profile-band>a{text-align:center;grid-column:1/-1}.source-priority-grid,.correction-grid{grid-template-columns:1fr}.source-priority-grid article+article,.correction-grid>div+div{border-left:0;border-top:1px solid var(--line)}.contact-options,.contact-details-grid,.contact-links-band{grid-template-columns:1fr;margin-inline:18px}.contact-options article+article,.contact-links-band>div+div{border-left:0;border-top:1px solid var(--line)}.contact-options h2,.contact-options p{min-height:0}.contact-details-grid{gap:30px;margin-block:60px}.pulse-home-banner,.pulse-data-strip,.pulse-calculator-grid,.pulse-payment-results,.pulse-impact-result,.pulse-comparison-row{grid-template-columns:1fr}.pulse-data-strip article+article{border-top:1px solid #3b4b57;border-left:0}.pulse-calculator{padding:19px}.pulse-payment-results strong{margin-top:20px}.pulse-comparison-row>b{text-align:center;transform:rotate(90deg)}.invest-deductions>div{gap:5px;display:grid}.invest-deductions strong{text-align:left}.not-found-page{min-height:520px;padding:80px 18px}}