:root{--red:#ff0000;--ink:#202321;--paper:#f7f5ef;--muted:#63665f;--line:#dcded6}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.65 Arial,Helvetica,sans-serif}a{color:inherit}button,input,select{font:inherit}header{position:sticky;top:0;z-index:20;background:rgba(247,245,239,.97);border-bottom:1px solid var(--line)}.nav{max-width:1320px;margin:auto;display:flex;align-items:center;justify-content:space-between;padding:20px 5%;gap:24px}.brand{text-decoration:none;font-size:23px;font-weight:800;letter-spacing:-1px;line-height:1.1}.brand span{display:block;font-size:10px;letter-spacing:2.3px;font-weight:500;margin-top:7px}.brand i{color:var(--red);font-style:normal}nav{display:flex;align-items:center;gap:27px}nav a{text-decoration:none;font-size:13px;font-weight:700}.btn{display:inline-flex;align-items:center;justify-content:center;gap:24px;background:var(--red);color:white;padding:15px 23px;border:1px solid var(--red);font-weight:700;text-decoration:none;font-size:14px;cursor:pointer}.btn.light{background:transparent;color:var(--ink);border-color:#bbbdb4}.wrap{max-width:1200px;margin:auto;padding:90px 35px}.hero{display:grid;grid-template-columns:1.12fr 1fr;gap:65px;align-items:center;padding-top:56px;padding-bottom:60px}.eyebrow{text-transform:uppercase;font-size:11px;font-weight:800;letter-spacing:2px;display:flex;align-items:center;gap:12px}.eyebrow:before{content:'';width:25px;height:2px;background:var(--red)}h1{font-size:clamp(46px,5.2vw,73px);line-height:1.06;letter-spacing:-3.5px;margin:25px 0}h1 em{font-style:normal;color:var(--red)}.intro{max-width:470px;color:var(--muted);font-size:18px}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}.micro{font-size:11px;color:var(--muted);margin-top:18px}.portrait{position:relative;padding:0 0 30px 25px}.portrait:before{content:'';position:absolute;left:0;right:25px;top:32px;bottom:0;background:#dedfd5}.portrait img{position:relative;width:100%;height:560px;object-fit:cover;object-position:50% 25%;display:block;filter:saturate(.8)}.caption{position:absolute;bottom:8px;left:0;background:var(--ink);color:white;padding:19px 27px;min-width:270px}.caption strong{display:block;font-size:20px}.caption small{color:#d5d7cd;font-size:11px;letter-spacing:1px}.trust{border-top:1px solid var(--line);border-bottom:1px solid var(--line);display:grid;grid-template-columns:repeat(3,1fr);max-width:1130px;margin:auto;padding:24px 0}.trust div{padding:0 30px;border-right:1px solid var(--line)}.trust div:last-child{border:0}.trust b{display:block;font-size:16px}.trust span{font-size:12px;color:var(--muted)}h2{font-size:clamp(32px,3.6vw,49px);letter-spacing:-1.8px;line-height:1.15;margin:20px 0}h3{font-size:23px;letter-spacing:-.6px;line-height:1.25}.sectionhead{display:flex;justify-content:space-between;gap:50px;align-items:end;margin-bottom:40px}.sectionhead p{max-width:360px;color:var(--muted);margin:0 0 8px}.paths{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.path{border-top:2px solid var(--ink);padding:25px 8px 20px}.number{font-size:12px;color:var(--red);font-weight:800}.path p{color:var(--muted);font-size:14px}.textlink{font-size:13px;font-weight:700;text-decoration:none;border-bottom:1px solid var(--red);padding-bottom:5px}.dark{background:var(--ink);color:white}.about{display:grid;grid-template-columns:1fr 1fr;gap:100px}.about p{color:#c6c9c0}.about .large{font-size:21px;line-height:1.6;margin-top:0;color:#f7f5ef}.ticks{padding:0;list-style:none}.ticks li{padding:14px 0;border-bottom:1px solid #454841;font-size:14px}.ticks li:before{content:'↗';color:var(--red);padding-right:15px}.calc{background:#eeeee6}.calculator{display:grid;grid-template-columns:1.1fr .9fr;background:var(--paper);border:1px solid var(--line)}.inputs{display:grid;grid-template-columns:1fr 1fr;gap:22px;padding:35px}label{font-size:12px;font-weight:700;display:block}input,select{display:block;width:100%;margin-top:8px;padding:12px;background:white;border:1px solid #c9ccc2;border-radius:0;color:var(--ink)}.result{background:var(--ink);color:white;padding:40px;display:flex;flex-direction:column;justify-content:center}.result .amount{font-size:55px;letter-spacing:-2px;font-weight:700}.result p{font-size:12px;color:#c6c9c0}.result dl{font-size:13px;margin:10px 0 0}.result dl div{display:flex;justify-content:space-between;border-bottom:1px solid #454841;padding:8px 0}.result dd{margin:0}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:45px;margin-top:40px}.steps p{font-size:14px;color:var(--muted)}details{border-bottom:1px solid var(--line);padding:22px 0}summary{cursor:pointer;font-size:18px;font-weight:700}details p{max-width:850px;color:var(--muted);font-size:15px}.contact{display:flex;align-items:center;justify-content:space-between;gap:40px;background:#e9eade;padding:55px}.contact p{color:var(--muted);max-width:560px}footer{background:#e8e8e0;padding:45px 35px;font-size:11px;color:#5e6259}.foot{max-width:1130px;margin:auto}.foot-top{display:flex;justify-content:space-between;gap:30px;padding-bottom:25px;border-bottom:1px solid #ced0c5;margin-bottom:25px}.foot-top a{font-size:14px}.legal{max-width:960px}.housing{width:32px;height:35px;object-fit:contain;float:right;mix-blend-mode:multiply}.menu{display:none}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #888;outline-offset:5px}@media(max-width:800px){nav{display:none;position:absolute;top:80px;left:0;right:0;padding:25px;background:var(--paper);flex-direction:column}nav.open{display:flex}.menu{display:block;background:none;border:1px solid #bbb;padding:7px 12px}.wrap{padding:60px 23px}.hero{grid-template-columns:1fr;gap:35px;padding-top:35px}h1{letter-spacing:-2px}.portrait{max-width:480px;margin:auto;width:100%}.portrait img{height:440px}.trust{margin:0 23px;padding:20px 0}.trust div{padding:0 12px}.trust b{font-size:12px}.trust span{font-size:10px}.sectionhead{display:block}.paths,.steps,.about,.calculator{grid-template-columns:1fr}.about{gap:25px}.paths{gap:12px}.contact{display:block;padding:30px}.foot-top{flex-direction:column}.result .amount{font-size:46px}.inputs{padding:22px;gap:15px}}

.topbar{background:#111;color:white;font-size:12px}.top-inner{max-width:1200px;margin:auto;padding:8px 35px;display:flex;justify-content:space-between;gap:20px;align-items:center}.top-contact{display:flex;gap:24px}.topbar a{text-decoration:none}.socials{display:flex;gap:12px;align-items:center}.social-icon{display:inline-flex;width:19px;height:19px;align-items:center;justify-content:center;color:inherit;opacity:.7}.social-icon svg{width:17px;height:17px;fill:currentColor}.social-icon[aria-disabled=true]{cursor:default}.identity{display:flex;align-items:center;gap:22px;text-decoration:none}.nexa-logo{width:105px;height:58px;object-fit:contain}.identity .brand{border-left:1px solid #ccc;padding-left:22px;font-size:19px}.identity .brand span{font-size:8px;letter-spacing:1.7px}.nav{max-width:1440px;padding:14px 3%;gap:16px}nav{gap:20px}nav a{font-size:12px}.floating-talk{position:fixed;bottom:25px;right:25px;z-index:30;box-shadow:0 7px 25px #0003;padding:15px 23px;border-radius:3px}.portrait img{object-fit:contain;object-position:center bottom;background:#e5e6dc;filter:none}.portrait:before{background:#dedfd5}.housing-marks{display:flex;gap:24px;align-items:center;justify-content:flex-end}.housing-marks img{width:76px;height:84px;object-fit:contain;display:block}.foot-top{align-items:center}.foot-contact{font-size:14px}.foot-nav{display:flex;gap:22px;flex-wrap:wrap;margin:20px 0}.foot-nav a{font-size:12px}.page-intro{max-width:1200px;margin:auto;padding:65px 35px 45px}.page-intro h1{max-width:900px;font-size:clamp(40px,5vw,65px);line-height:1.08}.page-intro p{font-size:18px;color:var(--muted);max-width:740px}.crumb{font-size:12px;color:var(--muted);margin-bottom:25px}.crumb a{text-decoration:none}.page-section{max-width:1200px;margin:auto;padding:30px 35px 65px}.content-grid{display:grid;grid-template-columns:2fr 1fr;gap:65px}.content-grid p{color:var(--muted)}.sidebox{padding:26px;background:#e9eade;align-self:start;border-top:3px solid var(--red)}.sidebox h3{margin-top:0}.sidebox .btn{width:100%;margin-top:12px}.category-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.category{padding:30px;border:1px solid var(--line);background:#fff8}.category h3{margin:10px 0}.category p{color:var(--muted);font-size:14px}.cluster-links{list-style:none;padding:0;margin-bottom:0}.cluster-links a{display:flex;justify-content:space-between;padding:13px 0;border-top:1px solid var(--line);text-decoration:none;font-size:14px}.cluster-links a:after{content:'↗';color:var(--red)}.detail-list li{margin:10px 0;color:var(--muted)}.contact-card{padding:30px;border:1px solid var(--line);background:white}.contact-card a{display:block;margin:10px 0}.contact-card .btn{display:inline-flex}.bio{display:grid;grid-template-columns:1fr 1.4fr;gap:70px;align-items:start}.bio-image{width:100%;max-height:660px;object-fit:contain;background:#e5e6dc}.bio p{color:var(--muted)}.bio h2{margin-top:0}.foot-bottom{padding-bottom:60px}.quick-tools{display:flex;gap:20px;align-items:center;margin-top:28px;flex-wrap:wrap}.category-label{color:var(--red);font-weight:700;font-size:12px}.calculator-studio{max-width:1200px;margin:0 auto 35px;padding:25px 35px}.calc-tabs{display:flex;gap:7px;flex-wrap:wrap;margin-bottom:28px}.calc-tabs button{background:transparent;border:1px solid #c8cbbf;padding:10px 13px;color:var(--ink);font-size:12px;cursor:pointer}.calc-tabs button[aria-pressed=true],.calc-tabs button[aria-selected=true],.calc-tabs button.active{background:var(--ink);color:white;border-color:var(--ink)}.calc-layout{display:grid;grid-template-columns:1.15fr 1fr;gap:30px;align-items:start}.calc-inputs{background:white;border:1px solid var(--line);padding:28px}.calc-inputs h2{font-size:28px}.calc-fields{display:grid;grid-template-columns:1fr 1fr;gap:18px}.calc-fields small{font-size:11px;color:var(--muted);display:block;line-height:1.4;margin-top:5px}.calc-fields label{font-size:12px}.calc-fields input,.calc-fields select{font-size:14px;padding:10px}.calc-result{background:#e8eade;padding:28px;overflow:hidden}.calc-result h2{font-size:28px}.calc-value{font-size:46px;line-height:1.2;font-weight:800;letter-spacing:-1.5px;margin:15px 0}.calc-metrics{display:grid;grid-template-columns:1fr 1fr;gap:12px}.calc-metric{padding:15px 0;border-top:1px solid #c8cbbf;font-size:12px}.calc-metric strong{display:block;font-size:20px}.calc-notes{padding-left:18px;font-size:12px;color:#555c50}.calc-notes li{margin:10px 0}.calc-exports{display:flex;gap:10px;margin:24px 0;flex-wrap:wrap}.calc-exports button{cursor:pointer;font-size:12px;padding:10px;background:white;border:1px solid #aaa}.calc-table{overflow:auto;max-height:450px}table{border-collapse:collapse;width:100%;font-size:11px}td,th{text-align:left;padding:9px;border-bottom:1px solid #c8cbbf;white-space:nowrap}.calc-error{color:#b00000}.fine{font-size:12px;color:var(--muted)}.calculator-studio details summary{font-size:14px}.methodology{max-width:1200px;margin:0 auto;padding:0 35px 55px}.methodology h2{font-size:30px}.methodology p{font-size:13px;max-width:900px;color:var(--muted)}.calc-result .eyebrow{line-height:1.4}.next-step .actions{margin-top:15px}@media(max-width:1100px){.identity .brand{font-size:15px;padding-left:12px}.identity{gap:12px}.nexa-logo{width:80px}nav{gap:12px}nav a{font-size:11px}.nav{padding:12px 20px}.nav .btn{padding:12px}}@media(max-width:900px){.menu{display:block;background:none;border:1px solid #bbb;padding:8px 12px}nav{display:none;top:86px;background:var(--paper);position:absolute;left:0;right:0;padding:25px;flex-direction:column}nav.open{display:flex}nav a{font-size:14px}header{top:0}.top-inner{padding:7px 20px}.top-contact{gap:14px;font-size:10px}.socials{gap:8px}.topbar .social-icon{width:16px;height:16px}.content-grid,.bio,.calc-layout{grid-template-columns:1fr;gap:30px}.category-grid{grid-template-columns:1fr}.page-intro{padding:45px 23px 20px}.page-section{padding:20px 23px 45px}.calculator-studio{padding:20px}.calc-result{position:static}.bio-image{max-height:500px}.foot-top{align-items:start}.housing-marks{justify-content:flex-start}}@media(max-width:480px){.top-inner{flex-wrap:wrap;gap:5px;justify-content:center}.top-contact{gap:15px}.topbar{padding:2px 0}.socials{gap:11px}.calc-fields{grid-template-columns:1fr}.calc-inputs,.calc-result{padding:20px}.calc-value{font-size:36px}.identity .brand span{font-size:7px}.identity .brand{font-size:14px}.nexa-logo{width:70px}.hero h1{font-size:43px}.floating-talk{bottom:15px;right:15px;padding:12px 18px}.housing-marks img{width:68px;height:75px}}@media print{header,.topbar,.floating-talk,footer,.calc-tabs,.calc-exports,.actions,.menu{display:none!important}.calc-layout{display:block}.calc-inputs,.calc-result{background:white;border:0}.calc-table{max-height:none}.wrap,.page-intro{padding:15px}}

.nav{max-width:1600px;padding-left:25px;padding-right:25px}nav{gap:14px}nav a{font-size:11px}nav .btn{padding:12px 16px}.identity .brand{font-size:17px}.second-opinion-band{display:grid;grid-template-columns:1.5fr 1fr;gap:65px;align-items:center;padding:40px;background:#e9eade;border-top:3px solid var(--red)}.second-opinion-band p{max-width:580px;color:var(--muted)}.second-opinion-band .fine{font-size:12px}.learning-topics{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.learning-topics a{display:flex;justify-content:space-between;padding:23px;border:1px solid var(--line);text-decoration:none;font-weight:700;background:#fff8}.learning-topics a:hover{border-color:var(--red)}.learning-empty{background:#e9eade;padding:35px;max-width:900px}.learning-empty p{max-width:730px;color:var(--muted)}.article-body{max-width:900px}.article-body p{font-size:18px}.comparison-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:25px}.comparison-grid article{border-top:2px solid var(--ink);padding-top:20px}.comparison-grid p{font-size:14px;color:var(--muted)}.inquiry-section{display:grid;grid-template-columns:1fr 1.6fr;gap:65px;align-items:start}.inquiry-section h2{font-size:38px}.inquiry-explainer{position:sticky;top:130px}.inquiry-explainer p{color:var(--muted)}.quote-paths{display:flex;flex-wrap:wrap;gap:12px;padding-top:0;padding-bottom:20px}.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;background:var(--red);border:1px solid var(--red);padding:13px 20px;color:white;text-decoration:none;font-weight:700;font-size:13px;cursor:pointer}.button.secondary{background:transparent;color:var(--ink);border-color:#bbbdb4}form[data-quote-intake]{background:white;border:1px solid var(--line);padding:30px;min-width:0}fieldset{border:0;padding:0;margin:20px 0}legend{font-size:23px;font-weight:700;letter-spacing:-.5px;margin:10px 0}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}textarea{width:100%;padding:12px;margin-top:8px;resize:vertical;border:1px solid #c9ccc2;font:inherit}.consent{display:flex;gap:12px;align-items:flex-start;margin:22px 0;line-height:1.6;font-size:12px;font-weight:400}.consent input{width:18px;height:18px;flex-shrink:0;margin-top:3px;accent-color:var(--red)}.honey{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}.not-sure{background:none;border:0;border-bottom:1px solid #bbb;color:var(--muted);font-size:11px;cursor:pointer;padding:3px 0;margin-top:5px}.quote-progress{font-size:12px;font-weight:700;padding-bottom:15px;border-bottom:2px solid var(--red)}.wizard-nav{display:flex;justify-content:space-between;gap:12px;margin-top:20px}.wizard-nav [data-step-next]{margin-left:auto}.quote-upload{margin:25px 0;padding:22px;background:var(--paper);border:1px solid var(--line)}.quote-upload input{font-size:12px;padding:10px;max-width:100%}.form-status{font-size:14px;white-space:pre-wrap}.form-status.error{color:#b00000}.review-context-note{padding:12px;background:#f7f5ef;border-left:3px solid var(--red);font-size:12px}.review-focus{margin-top:25px}.geo-field{position:relative}.geo-options{position:absolute;left:0;right:0;top:100%;background:white;z-index:5;border:1px solid #bbb;box-shadow:0 5px 15px #0002;max-height:230px;overflow:auto}.geo-options [role=option]{display:block;padding:10px;font-size:12px;cursor:pointer}.geo-options [role=option]:hover,.geo-options [aria-selected=true]{background:#e9eade}.geo-status,.geo-attribution{margin:8px 0}.inquiry-section [hidden],.quote-paths [hidden],.geo-options[hidden]{display:none!important}#scenario-review pre{white-space:pre-wrap;font-size:11px}nav a[aria-current=page]{text-decoration:underline;text-decoration-color:var(--red);text-underline-offset:7px}@media(max-width:1180px){.menu{display:block}nav{display:none;position:absolute;top:86px;left:0;right:0;flex-direction:column;background:var(--paper);padding:25px}nav.open{display:flex}nav a{font-size:14px}.inquiry-section{gap:30px}.comparison-grid{grid-template-columns:1fr 1fr}}@media(max-width:800px){.second-opinion-band,.inquiry-section{grid-template-columns:1fr;gap:25px}.inquiry-explainer{position:static}.second-opinion-band{padding:25px}.learning-topics{grid-template-columns:1fr 1fr}.form-grid{grid-template-columns:1fr 1fr}}@media(max-width:480px){.form-grid,.learning-topics,.comparison-grid{grid-template-columns:1fr}form[data-quote-intake]{padding:20px}.quote-upload{padding:14px}.inquiry-section h2{font-size:32px}.nav{padding-left:15px;padding-right:15px}}

.ca-opening{padding-top:0}.ca-lead{max-width:900px;font-size:18px;line-height:1.8;color:var(--muted)}.ca-byline{margin:0 0 25px}.ca-jump{display:flex;position:static;flex-wrap:wrap;align-items:center;gap:10px;background:transparent;padding:30px 0 0}.ca-jump a{font-size:13px!important;padding:9px 14px;background:#e9eade;border:1px solid var(--line);text-decoration:none;white-space:normal}.ca-section{scroll-margin-top:115px;padding-top:35px}.ca-section>h2{font-size:clamp(30px,3.6vw,44px);max-width:900px}.ca-section>p{max-width:1000px;line-height:1.8;color:var(--muted)}.ca-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin-top:30px}.ca-cards article{padding:28px;background:#fff8;border:1px solid var(--line);border-top:3px solid var(--red);display:flex;flex-direction:column;min-width:0}.ca-cards h3{font-size:24px;line-height:1.25}.ca-cards p{font-size:15px;line-height:1.8;color:var(--muted)}.ca-cards .textlink{margin-top:auto;font-size:13px}.ca-feature{display:grid;grid-template-columns:1.6fr 1fr;gap:45px;background:#e9eade;padding:36px;border-top:3px solid var(--red);align-items:start}.ca-feature h2{font-size:38px}.ca-feature p{line-height:1.8}.ca-mini{background:var(--paper);padding:25px}.ca-mini h3{margin-top:0}.ca-mini dt{font-weight:700;font-size:13px;margin:20px 0 8px}.ca-mini dd{margin:0;font-size:21px;line-height:1.5}.ca-two{display:grid;grid-template-columns:1fr 1fr;gap:45px}.ca-two h3{font-size:26px}.ca-two p{font-size:16px;line-height:1.8;color:var(--muted)}.ca-contact{background:#e9eade;padding:28px}.ca-contact>a{display:block;margin:12px 0;font-size:16px}.ca-answer{padding:26px;background:#e9eade;border-top:3px solid var(--red);line-height:1.8}.ca-lookup{padding:30px;background:#e9eade;border-top:3px solid var(--red);margin-top:25px}.ca-fields{display:grid;grid-template-columns:2fr 1fr;gap:22px;max-width:750px}.ca-fields label,.ca-check label,.ca-search{display:block;font-weight:700;font-size:14px}.ca-fields select,.ca-check input,.ca-search input{display:block;width:100%;margin-top:10px;padding:13px;background:var(--paper);border:1px solid #aeb3a5;border-radius:5px;font:inherit;color:var(--ink)}.ca-selected{margin:25px 0}.ca-selected h3{font-size:24px}.ca-result-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;max-width:750px;margin:20px 0}.ca-result-grid>div{padding:24px;background:var(--paper);border:1px solid var(--line)}.ca-result-grid span{display:block;font-size:13px}.ca-result-grid strong{display:block;font-size:clamp(25px,4vw,38px);margin-top:12px}.ca-check{padding-top:24px;border-top:1px solid #c2c7b8}.ca-check input{max-width:360px}.ca-check li{margin:12px 0;line-height:1.7}.ca-search{max-width:420px}.ca-limit-table{overflow-x:auto;max-height:650px;overflow-y:auto;border:1px solid var(--line);background:#fff8}.ca-limit-table table{width:100%;border-collapse:collapse;font-size:14px;min-width:540px;font-variant-numeric:tabular-nums}.ca-limit-table caption{padding:18px;text-align:left;font-weight:700}.ca-limit-table th,.ca-limit-table td{padding:14px 20px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}.ca-limit-table thead th{position:sticky;top:0;background:var(--ink);color:white;z-index:1}.ca-limit-table tbody th{text-align:left;background:var(--paper)}.ca-limit-table thead th:first-child{text-align:left}.ca-limit-table tbody tr:nth-child(even) td{background:#e9eade66}.ca-limit-table [hidden],.ca-limit-table tr[hidden]{display:none!important}.ca-section .sectionhead{align-items:center}.ca-section .btn[href^='/quote/'],.ca-opening .btn[href^='/quote/']{background:#000;border-color:#000;color:white}.ca-section a:focus-visible,.ca-jump a:focus-visible,.ca-limit-table:focus-visible{outline:3px solid var(--red);outline-offset:4px}@media(max-width:1300px){header .menu{display:block}header nav{display:none;position:absolute;top:86px;left:0;right:0;flex-direction:column;background:var(--paper);padding:25px}header nav.open{display:flex}header nav a{font-size:14px!important}}@media(max-width:900px){.ca-cards{grid-template-columns:1fr}.ca-feature,.ca-two{grid-template-columns:1fr;gap:25px}.ca-feature{padding:25px}.ca-jump{display:flex!important}.ca-feature h2{font-size:31px}.ca-section{scroll-margin-top:110px}.ca-cards article{padding:25px}.ca-fields{grid-template-columns:1fr 1fr}}@media(max-width:520px){.ca-fields,.ca-result-grid{grid-template-columns:1fr}.ca-lookup{padding:20px}.ca-feature{padding:22px}.ca-jump a{font-size:12px!important;padding:8px 10px}.ca-section .sectionhead{display:block}.ca-limit-table th,.ca-limit-table td{padding:12px 14px}.ca-result-grid strong{font-size:30px}}@media print{.ca-jump,.ca-fields,.ca-check,.ca-search{display:none}.ca-limit-table{max-height:none;overflow:visible}}

@media(min-width:1301px) and (max-width:1500px){header nav{gap:10px}header nav .btn{padding-left:13px;padding-right:13px}.nav{padding-left:22px;padding-right:22px}.identity{gap:16px}.identity .brand{padding-left:16px}}
.menu{font:inherit;font-size:13px;font-weight:700;background:var(--ink);color:white;padding:10px 15px;border:1px solid var(--ink);border-radius:5px}

.topic-cluster{border-top:1px solid var(--line)}.topic-cluster>h2{font-size:clamp(29px,3vw,39px)}.topic-cluster>p{max-width:750px;color:var(--muted)}.cluster-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-top:30px}.cluster-grid>div,.cluster-grid>article{padding:25px;background:#e9eade;border-top:3px solid var(--red);min-width:0}.cluster-grid h3{font-size:21px;margin-top:0}.cluster-grid .cluster-links a{font-size:14px;line-height:1.6;gap:15px}.cluster-grid p{font-size:15px;line-height:1.8;color:var(--muted)}@media(max-width:850px){.cluster-grid{grid-template-columns:1fr}}

.decision-studio{scroll-margin-top:115px}.decision-studio>h2{font-size:40px}.decision-tabs{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0}.decision-tabs button{font:inherit;font-size:13px;font-weight:700;background:transparent;border:1px solid #aeb3a5;padding:12px 17px;border-radius:5px;cursor:pointer}.decision-tabs button[aria-pressed=true]{background:#111;color:white;border-color:#111}.decision-intro{max-width:850px;color:var(--muted);line-height:1.8}.decision-layout{display:grid;grid-template-columns:minmax(300px,.85fr) minmax(0,1.35fr);gap:30px;align-items:start}.decision-inputs{padding:25px;border:1px solid var(--line);background:#fff8;min-width:0}.decision-inputs h3{margin-top:0}.decision-fields{display:grid;grid-template-columns:1fr 1fr;gap:18px}.decision-fields label{font-size:13px;font-weight:700;line-height:1.6}.decision-fields input{display:block;width:100%;padding:12px;margin:7px 0 0;border:1px solid #aeb3a5;border-radius:5px;font:inherit;background:var(--paper);color:var(--ink)}.decision-inputs>button{margin-top:25px}.decision-result{padding:25px;background:#e9eade;border-top:3px solid var(--red);min-width:0}.decision-result h3{margin-top:0}.decision-metrics{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:25px}.decision-metrics span{display:block;font-size:12px;line-height:1.5}.decision-metrics strong{display:block;font-size:24px;line-height:1.3;margin-top:8px;font-variant-numeric:tabular-nums}.decision-table{overflow:auto;max-height:450px;margin:20px 0;outline-offset:4px}.decision-table table{width:100%;min-width:470px;border-collapse:collapse;background:var(--paper);font-size:12px;line-height:1.6;font-variant-numeric:tabular-nums}.decision-table th,.decision-table td{padding:13px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.decision-table thead th{background:#111;color:white;position:sticky;top:0}.decision-table tbody th{max-width:200px}.decision-summary{background:var(--paper);padding:18px;font-weight:700;font-size:14px;line-height:1.8}.decision-result details{font-size:13px;line-height:1.8}.decision-result details li{margin:12px 0}.decision-result details ul{padding-left:20px}.decision-actions{display:flex;flex-wrap:wrap;gap:10px;margin:25px 0}.decision-actions button{font-size:12px}.decision-handoff{padding-top:22px;border-top:1px solid #bfc5b5}.decision-handoff label{display:flex;align-items:flex-start;gap:10px;font-size:13px;line-height:1.7;margin-bottom:18px}.decision-handoff input{width:18px;height:18px;flex-shrink:0;accent-color:var(--red)}.decision-handoff .button{background:#000;border-color:#000}.decision-error{color:#a40000;background:white;padding:18px}.quote-comparison{padding:20px;background:#e9eade;border-top:3px solid var(--red);margin-bottom:25px}.quote-comparison h3{margin-top:0}.quote-comparison pre{white-space:pre-wrap;overflow-wrap:anywhere;font-size:12px;line-height:1.8}.decision-footer{font-size:14px;line-height:1.8;max-width:950px}.decision-footer a{color:var(--ink)}@media(max-width:1000px){.decision-layout{grid-template-columns:1fr}.decision-result{padding:25px}}@media(max-width:520px){.decision-fields,.decision-metrics{grid-template-columns:1fr}.decision-inputs,.decision-result{padding:20px}.decision-tabs button{width:100%;text-align:left}.decision-actions{flex-direction:column}.decision-studio>h2{font-size:31px}}@media print{.decision-tabs,.decision-actions,.decision-handoff,.decision-inputs>button{display:none!important}.decision-layout{display:block}.decision-result,.decision-inputs{background:white;border:1px solid #bbb;margin-bottom:20px}.decision-table{max-height:none;overflow:visible}.decision-table table{min-width:0}.decision-result details{display:block}}

@media print{body.decision-print main>*:not(.decision-studio){display:none!important}body.decision-print .decision-result{break-inside:auto}body.decision-print .decision-studio{max-width:none;padding:0}}

#scenario-chooser[hidden],#scenario-workspace[hidden],#decisions[hidden],#calculator[hidden],.methodology[hidden]{display:none!important}.scenario-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin-top:30px}.scenario-cards button{position:relative;text-align:left;background:#e9eade;border:1px solid var(--line);border-top:3px solid var(--red);border-radius:5px;padding:28px 28px 48px;cursor:pointer;font:inherit;color:var(--ink)}.scenario-cards strong{display:block;font-size:24px;margin-bottom:15px}.scenario-cards span:not(.scenario-arrow){display:block;line-height:1.8;font-size:15px;color:var(--muted)}.scenario-cards .scenario-arrow{position:absolute;right:22px;bottom:18px;color:var(--red)}.scenario-cards button:hover,.scenario-cards button:focus-visible{border-color:var(--red);background:#e2e5d6}.scenario-tool-tabs{display:flex;gap:10px;flex-wrap:wrap;margin-top:25px}.scenario-tool-tabs button{font:inherit;font-size:13px;font-weight:700;border:1px solid #aeb3a5;background:transparent;padding:12px 16px;border-radius:5px;cursor:pointer}.scenario-tool-tabs button[aria-pressed=true]{background:#111;color:white}#scenario-workspace{padding-bottom:0;scroll-margin-top:110px}#scenario-workspace>h2{margin-top:30px}#decisions .decision-tabs,#calculator .calc-tabs{display:none!important}#scenario-chooser h2:focus,#scenario-title:focus{outline:none}@media(max-width:850px){.scenario-cards{grid-template-columns:1fr 1fr}}@media(max-width:520px){.scenario-cards{grid-template-columns:1fr}.scenario-tool-tabs button{width:100%;text-align:left}}@media print{#scenario-chooser,#scenario-workspace{display:none!important}}

.calculator-page .page-intro{padding-top:30px;padding-bottom:15px}.calculator-page .page-intro h1{font-size:clamp(36px,4vw,54px);line-height:1.08;margin:18px 0}.calculator-page .page-intro p{margin-bottom:0}.calculator-page #scenario-chooser{padding-top:24px;padding-bottom:40px}.calculator-page #scenario-chooser h2{font-size:clamp(28px,3vw,40px);margin:12px 0}.calculator-page .scenario-cards button{padding:22px;min-height:150px}

#calculator-guides[hidden]{display:none!important}.guide-calculator-callout{max-width:1120px;margin:32px auto 56px;padding:28px;background:#e9ebdf;border-top:3px solid #ff0000;border-radius:5px}.guide-calculator-callout h2{font-size:clamp(25px,3vw,36px);margin:14px 0}.guide-calculator-callout .button{background:#000;color:#fff;border-radius:5px}.calculator-guides #calculator-guide-links{display:grid;gap:14px}.calculator-guides a{font-weight:600;text-decoration:underline;text-underline-offset:4px}@media(max-width:1160px){.guide-calculator-callout{margin-left:24px;margin-right:24px}}
.snapshot-fields{display:grid;grid-template-columns:1fr 1fr;gap:4px 16px;margin:14px 0}.snapshot-fields .consent{margin:4px 0;font-size:12px}.quote-comparison>button{margin-right:16px}.scenario-handoff{margin:24px 0;padding:20px;background:#e9ebdf;border-radius:5px}.scenario-handoff .button{background:#000;color:white}@media(max-width:650px){.snapshot-fields{grid-template-columns:1fr}}

:where(a,button,input,select,textarea,summary):focus-visible{outline:3px solid #e00000;outline-offset:4px}
html{scroll-padding-top:115px}#scenario-workspace,#calculator-scenario-review,#inquiry{scroll-margin-top:115px}button,a,input,select,textarea{touch-action:manipulation}.talk-obscured{visibility:hidden;pointer-events:none}
@media(max-width:1180px){header nav{max-height:calc(100dvh - 100px);overflow-y:auto;overscroll-behavior:contain;gap:4px}header nav a{min-height:44px;display:flex;align-items:center;justify-content:center}.menu{min-height:44px;min-width:56px}}
@media(max-width:800px){input:not([type=checkbox]):not([type=radio]),select,textarea,.calc-fields input,.calc-fields select,.decision-fields input{font-size:16px!important;min-height:44px}button,.button,.btn,summary{min-height:44px}.floating-talk{bottom:max(12px,env(safe-area-inset-bottom));right:12px;padding:12px 18px}body{padding-bottom:70px}.calc-layout>*{min-width:0}.quote-comparison pre{overflow-wrap:anywhere;white-space:pre-wrap}.decision-result,.decision-table,.calc-table{max-width:100%}}
@media(max-width:480px){.calc-fields,.decision-fields,.decision-metrics{grid-template-columns:1fr}.calc-inputs,.calc-result{padding:20px}.calc-value{font-size:clamp(28px,9vw,40px);overflow-wrap:anywhere}.decision-actions .button,.scenario-handoff .button{width:100%;white-space:normal}.guide-calculator-callout .button{white-space:normal;text-align:center}.calc-metrics{grid-template-columns:1fr}.inquiry-section{padding-left:18px;padding-right:18px}.top-contact{gap:12px}.top-contact a{font-size:11px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto!important}*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}}

#buydown-calculator[hidden]{display:none!important}.buydown-calculator{max-width:1200px;margin:0 auto;padding:25px 35px 55px;scroll-margin-top:120px}.article-body .buydown-calculator{padding:24px 0;max-width:100%}.buydown-calculator h2{font-size:clamp(28px,3vw,40px);line-height:1.15}.buydown-layout{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:26px;align-items:start}.buydown-layout>*{min-width:0}.buydown-inputs{padding:24px;background:#fff;border:1px solid var(--line)}.buydown-inputs h3{margin-top:0}.buydown-fields{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:18px 0}.buydown-fields label{font-size:13px;min-width:0;line-height:1.5}.buydown-fields input,.buydown-fields select{display:block;width:100%;min-width:0;font:inherit;font-size:16px;padding:11px;margin-top:8px;min-height:44px;border:1px solid #b8bdb2;border-radius:4px;background:#fff}.buydown-fields label:has(select){grid-column:1/-1}.buydown-inputs summary{cursor:pointer;line-height:1.7}.buydown-summary{padding:24px;background:#e9ebdf;border-top:3px solid #ff0000}.buydown-summary h3{font-size:28px;line-height:1.25}.buydown-metrics{display:grid;grid-template-columns:1fr 1fr;gap:16px}.buydown-metrics span{font-size:12px;display:block}.buydown-metrics strong{font-size:24px;display:block;overflow-wrap:anywhere}.buydown-results>h3{font-size:23px;line-height:1.3;margin-top:30px}.buydown-results p,.buydown-method li{font-size:14px;line-height:1.8}.buydown-table{overflow:auto;max-width:100%;margin:18px 0;border:1px solid var(--line);border-radius:4px}.buydown-table th,.buydown-table td{font-size:12px;line-height:1.6;padding:12px;vertical-align:top}.buydown-table tbody th{white-space:normal;min-width:130px;max-width:240px}.buydown-table thead th{white-space:normal;min-width:130px}.buydown-table td{white-space:nowrap}.buydown-actions{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0}.buydown-actions button{min-height:44px}.buydown-method{margin-top:28px;border-top:1px solid var(--line);padding-top:16px}.buydown-method ul{padding-left:20px}.buydown-method a{overflow-wrap:anywhere}.buydown-calculator .button{white-space:normal;border-radius:5px}.buydown-calculator .scenario-handoff button{background:#000;color:#fff}.buydown-calculator [type=checkbox]{width:18px;height:18px;flex:none;accent-color:#ff0000}.buydown-results .calc-error{border-left:3px solid #ff0000;padding:16px;background:#fff}
@media(max-width:1000px){.buydown-layout{grid-template-columns:1fr}.buydown-inputs{position:static}.buydown-calculator{padding-left:24px;padding-right:24px}}@media(max-width:480px){.buydown-fields,.buydown-metrics{grid-template-columns:1fr}.buydown-inputs,.buydown-summary{padding:18px}.buydown-actions .button{width:100%}.article-body .buydown-calculator{padding-left:0;padding-right:0}}
@media print{body.buydown-print header,body.buydown-print footer,body.buydown-print .topbar,body.buydown-print .floating-talk,body.buydown-print .page-intro,body.buydown-print #scenario-workspace,body.buydown-print #scenario-chooser,body.buydown-print .buydown-actions,body.buydown-print .scenario-handoff{display:none!important}body.buydown-print .buydown-layout{display:block}body.buydown-print .buydown-table{overflow:visible}body.buydown-print .buydown-table table{width:100%}body.buydown-print .buydown-table th,body.buydown-print .buydown-table td{font-size:9px;min-width:0;padding:5px;white-space:normal}body.buydown-print .buydown-inputs details:not([open]){display:block}}

.editorial-byline{max-width:1200px;margin:0 auto;padding:0 35px 24px;font-size:12px;color:var(--muted);line-height:1.9}.fact-check-panel{max-width:1130px;margin:24px auto 44px;padding:28px;background:#e9ebdf;border-top:3px solid #ff0000;border-radius:5px}.fact-check-panel h2{font-size:clamp(26px,3vw,36px);margin:14px 0}.fact-check-panel p{max-width:900px}.fact-check-panel a{overflow-wrap:anywhere}@media(max-width:1200px){.fact-check-panel{margin-left:24px;margin-right:24px}}@media(max-width:600px){.editorial-byline{padding-left:24px;padding-right:24px}.fact-check-panel{padding:20px}}

.article-toc{display:block!important;position:static!important;background:#e9ebdf;padding:24px!important;margin:25px 0}.article-toc ul{margin-bottom:0;padding-left:20px}.article-toc a{display:inline!important;font-size:15px!important;line-height:1.7;text-decoration:underline}.article-body section{scroll-margin-top:125px}.article-body .worked-example{margin:30px 0}.article-sources{margin-top:32px;border-top:1px solid var(--line);padding-top:22px}.learning-related>h2{font-size:clamp(28px,3vw,38px)}.learning-related{border-top:1px solid var(--line)}.learning-related li{max-width:950px}

#latest-articles{scroll-margin-top:125px}

.article-toc a{white-space:normal!important;overflow-wrap:anywhere}.article-toc li{min-width:0}.article-body a{overflow-wrap:anywhere}

/* Slightly larger navigation and softened rectangular buttons. */
nav a:not(.btn) { font-size: 13px; white-space: nowrap; }
.btn, .button, button, input[type="submit"] { border-radius: 5px; }
a.btn[href="/quote/"], a.btn[href="/loan-options/"] {
  background: #000;
  color: #fff;
  border-color: #000;
}
a.btn[href="/quote/"]:hover, a.btn[href="/loan-options/"]:hover {
  background: #252525;
  border-color: #252525;
}
@media (min-width: 1181px) and (max-width: 1320px) {
  nav { gap: 10px; }
  nav .btn { padding-left: 13px; padding-right: 13px; }
  .nav { padding-left: 18px; padding-right: 18px; }
  .identity { gap: 14px; }
  .identity .brand { padding-left: 14px; }
}
@media (max-width: 1180px) {
  nav a:not(.btn) { font-size: 15px; }
}

/* Homepage options CTA and shared advisor-card contacts. */
.hero a.btn[href="/loan-options/"], .hero a.btn[href="/loan-options/"]:hover { background:#FF0000; border-color:#FF0000; color:#fff; }
.side-contact { display:flex; flex-direction:column; gap:8px; margin-top:22px; font-size:14px; line-height:1.5; overflow-wrap:anywhere; }
.side-contact a { color:var(--ink); text-decoration:none; }
.side-contact a:hover { text-decoration:underline; }
/* Calculator CTA on the purchase, refinance, and home equity pages. */
.content-grid article .quick-tools a.btn[href="/calculator/"],
.content-grid article .quick-tools a.btn[href="/calculator/"]:hover {
  background: #FF0000;
  border-color: #FF0000;
  color: #fff;
}

/* Expandable loan-category tiles keep the hub compact. */
.category-grid:has(.loan-category) { align-items:start; }
details.loan-category { padding:0; margin:0; border:1px solid var(--line); }
.loan-category summary { position:relative; list-style:none; padding:30px 60px 30px 30px; cursor:pointer; }
.loan-category summary::-webkit-details-marker { display:none; }
.loan-category summary::after { content:'+'; position:absolute; right:25px; top:29px; font-size:26px; line-height:1; font-weight:400; color:var(--red); }
.loan-category[open] summary::after { content:'−'; }
.loan-category-title { display:block; font-size:23px; line-height:1.25; font-weight:700; letter-spacing:-.6px; }
.loan-category-description { display:block; font-size:14px; font-weight:400; color:var(--muted); margin-top:14px; line-height:1.65; }
.loan-category summary:hover { background:#eeeeE6; }
.loan-category-guides { padding:0 30px 25px; }
.loan-category-guides .cluster-links { margin-top:0; }
.category-overview { display:inline-block; margin-top:18px; font-size:12px; font-weight:700; text-underline-offset:4px; }

/* Core service-page guides. */
.depth-start{display:grid;grid-template-columns:1.7fr 1fr;gap:55px;padding-top:0}.depth-answer{background:#e9eade;padding:30px;border-top:3px solid var(--red)}.depth-answer>p{font-size:19px;line-height:1.65;margin:18px 0}.depth-toc{display:flex;position:static;flex-direction:column;align-items:stretch;gap:0;background:transparent;padding:0}.depth-toc strong{font-size:12px;text-transform:uppercase;letter-spacing:1.5px;margin-bottom:12px}.depth-toc a{display:block;padding:9px 0;border-bottom:1px solid var(--line);font-size:14px!important;font-weight:400;text-decoration:none;white-space:normal!important}.depth-toc a:hover{color:#bf0000}.depth-layout{display:grid;grid-template-columns:minmax(0,2fr) minmax(265px,1fr);gap:55px;padding-top:0}.depth-content{min-width:0}.depth-section{padding:30px 0 20px;border-top:1px solid var(--line);scroll-margin-top:130px}.depth-section h2{font-size:34px;letter-spacing:-1px;line-height:1.2;margin:0 0 22px}.depth-section p{font-size:16px;color:#555c52;line-height:1.8}.depth-section a{color:var(--ink)}.depth-layout>.sidebox{position:sticky;top:120px}.depth-list{padding-left:20px;color:#555c52;line-height:1.8}.depth-list li{margin:10px 0}.worked-example{background:#e9eade;padding:26px;margin:26px 0;border-left:3px solid var(--red)}.worked-example h3{font-size:22px;margin:15px 0}.worked-example p{font-size:14px}.depth-table{overflow-x:auto;margin:25px 0;outline-offset:5px}.depth-table table{width:100%;font-size:13px;line-height:1.6;min-width:500px;background:#fff8}.depth-table th,.depth-table td{white-space:normal;vertical-align:top;padding:15px 13px;border-bottom:1px solid var(--line);text-align:left}.depth-table thead{background:var(--ink);color:white}.depth-table tbody th{width:23%;font-weight:700}.depth-steps{list-style:none;padding:0;counter-reset:process}.depth-steps li{counter-increment:process;padding:15px 0 15px 48px;position:relative}.depth-steps li:before{content:counter(process,decimal-leading-zero);position:absolute;left:0;top:19px;color:var(--red);font-size:13px;font-weight:700}.depth-steps h3{font-size:21px;margin:0}.depth-steps p{margin:10px 0}.depth-section details summary{font-size:17px}.depth-section details p{font-size:15px}.depth-sources{padding-top:30px;border-top:1px solid var(--line);margin-top:25px}.depth-sources h2{font-size:23px;letter-spacing:-.5px}.depth-sources ul{padding-left:20px;font-size:12px;line-height:1.8}.depth-sources li{margin:8px 0}.depth-sources .fine{line-height:1.7}.depth-answer .btn[href^="/quote/"]{background:#000;border-color:#000;color:white}.depth-answer .btn[href="/calculator/"]{background:#ff0000;border-color:#ff0000;color:white}@media(max-width:900px){.depth-start,.depth-layout{grid-template-columns:1fr;gap:28px}.depth-layout>.sidebox{position:static}.depth-toc{display:flex!important;position:static;inset:auto;padding:0}.depth-section h2{font-size:30px}.depth-answer{padding:25px}.depth-section{scroll-margin-top:110px}}@media(max-width:480px){.depth-section h2{font-size:27px}.depth-answer>p{font-size:17px}.worked-example{padding:20px}.depth-table table{min-width:520px}.depth-answer .actions{flex-direction:column;align-items:stretch}}

.article-answer{background:#e9eade;border-top:3px solid var(--red);padding:26px;margin-bottom:35px}.article-answer strong{text-transform:uppercase;letter-spacing:1px;font-size:12px}.article-answer p{margin-bottom:0}.article-body h2{font-size:32px}.article-body .depth-toc{margin-bottom:35px}.article-body li{line-height:1.8}.article-body .depth-sources p{font-size:12px}