:root{--consumer-blue:#1764cb;--consumer-navy:#102b4d;--consumer-green:#13735b}
html{scroll-padding-top:28px}body{overflow-wrap:break-word}a,button,input,select,textarea{-webkit-tap-highlight-color:transparent}input,select,textarea{font-size:16px!important}button,a.btn{min-height:48px}a:focus-visible,button:focus-visible,select:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #1681e8;outline-offset:4px}main{min-width:0}.consumer-hero{max-width:1300px;margin:auto;padding:64px 5%;display:grid;grid-template-columns:1.15fr 1fr;gap:64px;align-items:start}.consumer-hero h1{font-size:clamp(38px,4.5vw,66px);line-height:1.08;margin:18px 0 24px}.consumer-hero .lead{font-size:19px;line-height:1.6;max-width:620px}.benefits{padding-left:22px;line-height:1.7;margin:24px 0}.benefits li{margin:10px 0}.scenario-panel{background:#fff;border:1px solid #d6e3ee;border-top:5px solid var(--consumer-blue);border-radius:16px;padding:28px;box-shadow:0 15px 45px #1435500d}.scenario-panel h2{font-size:28px;line-height:1.2;margin:14px 0 22px}.scenario-form{display:grid;gap:18px}.scenario-form label{display:grid;gap:8px;font-weight:650;font-size:15px}.scenario-form select{width:100%;padding:13px 12px;min-height:50px;background:#f7faff;color:#16344e;border:1px solid #b8cbdc;border-radius:7px}.scenario-form .btn{width:100%;justify-content:space-between}.form-note{font-size:14px!important;line-height:1.5!important;margin:0!important;color:#4b6071!important}.scenario-phone{display:block;padding-top:20px;font-size:16px;font-weight:650}.consumer-home .hero-copy h1{font-size:clamp(40px,4.8vw,70px)}.home-realtor{font-size:15px!important;line-height:1.6!important;margin-top:22px!important}.home-realtor a{text-decoration:underline}.intent-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}.intent-card{display:block;border:1px solid #d5e1eb;border-radius:14px;padding:27px 23px;color:#16344e;background:#fff;position:relative}.intent-card>span{font-size:13px;letter-spacing:.08em;font-weight:750}.intent-card h3{font-size:23px;line-height:1.2;margin:18px 0 12px}.intent-card p{font-size:16px;line-height:1.55;margin-bottom:28px}.intent-card b{font-size:24px}.intent-card.featured{background:#123759;color:white;border-color:#123759}.intent-card.featured p{color:#e3edf7}.intent-card:hover{border-color:#1764cb;box-shadow:0 10px 25px #19385210}.number-story{display:grid;grid-template-columns:1.4fr 1fr;gap:55px;align-items:center;background:#edf5fc}.number-story p{max-width:620px;line-height:1.65}.math-card{background:#fff;padding:36px;border-radius:16px;border:1px solid #d6e3ee;text-align:center}.math-card>span{font-size:13px;font-weight:700;letter-spacing:.08em}.math-card strong{font-size:76px;display:block;line-height:1.3;color:var(--consumer-blue)}.math-card p{margin:8px auto}.math-card hr{border:0;border-top:1px solid #d6e3ee;margin:22px 0}.answer-strip{background:#f5f9fc}.answer-strip p{max-width:1000px;font-size:20px;line-height:1.7}.prep-section{display:grid;grid-template-columns:1fr 1fr;gap:60px}.prep-section li{line-height:1.7;margin-bottom:15px;padding-left:8px}.focused-faq details{border-bottom:1px solid #d5e1eb;padding:20px 0}.focused-faq summary{font-size:19px;font-weight:700;cursor:pointer;padding:8px 0}.focused-faq details p{max-width:950px;line-height:1.75}.sources{font-size:14px;line-height:1.6;border-top:1px solid #d5e1eb}.sources p{font-size:14px}.embedded-quote{background:#f5f9fc}.embedded-quote[hidden]{display:none}.consumer-widget{display:block;max-width:900px;margin:22px auto;background:white;border:1px solid #d5e1eb;border-radius:10px}.realtor-entry{background:#eef5fb;display:grid;grid-template-columns:1.4fr 1fr;gap:40px;align-items:center}.realtor-entry .btn{margin:8px}.resource-nav a{min-height:44px;display:inline-flex;align-items:center}.consumer-home .hero-photo img{object-fit:cover;width:100%;height:100%}.consumer-home .hero-photo{min-height:420px}.person-card{min-width:0}.person-card a{overflow-wrap:anywhere}.mobile-cta{padding-bottom:env(safe-area-inset-bottom,0px)}.resource-card{color:inherit}.resource-card h2{font-size:25px;line-height:1.3}.resource-card p{font-size:16px;line-height:1.6}.realtor-tools{padding-top:40px;padding-bottom:20px}.pricing-layout>*{min-width:0}.rate-table-wrap{overflow:auto}
@media(max-width:1100px){header{flex-wrap:wrap;gap:14px}header nav{gap:16px}.consumer-hero{gap:28px}.intent-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.consumer-hero h1{font-size:46px}.consumer-home .hero-copy h1{font-size:50px}.mortgage-wordmark{display:none!important}}
@media(max-width:760px){body{padding-bottom:80px}.topbar{font-size:12px}.topbar>span{display:none}.topbar a{display:block!important}.resource-nav{gap:22px;overflow-x:auto;white-space:nowrap;justify-content:flex-start;padding:4px 20px}.mortgage-offer{display:grid!important;grid-template-columns:1fr 1fr;gap:12px!important;padding:14px 20px!important}.mortgage-offer strong{font-size:14px!important}.mortgage-offer span{display:none!important}header{padding:14px 20px!important}.original-logo{width:150px;height:auto}.nav-rate{font-size:14px;padding:10px!important}.consumer-hero{display:flex;flex-direction:column;padding:32px 20px;gap:25px}.consumer-hero>div{width:100%}.consumer-hero h1{font-size:40px;margin:14px 0 18px}.consumer-hero .lead{font-size:17px}.consumer-hero .benefits{font-size:15px;margin:16px 0}.consumer-hero .text-link{font-size:15px}.scenario-panel{padding:22px}.scenario-panel h2{font-size:25px}.section{padding:38px 20px}.consumer-home{padding-top:32px!important;gap:28px!important}.consumer-home .hero-copy h1{font-size:42px}.consumer-home .hero-photo{min-height:250px;max-height:300px}.consumer-home .hero-buttons{display:grid;grid-template-columns:1fr}.consumer-home .hero-photo img{height:280px}.intent-grid{grid-template-columns:1fr 1fr;gap:12px}.intent-card{padding:21px 16px}.intent-card h3{font-size:21px}.intent-card p{font-size:15px}.number-story,.prep-section,.realtor-entry{grid-template-columns:1fr;gap:24px}.math-card{padding:24px}.math-card strong{font-size:60px}.answer-strip p{font-size:18px}.focused-faq summary{font-size:18px}.pricing-layout{display:flex!important;flex-direction:column!important}.pricing-layout .quote-panel{order:-1;width:100%}.pricing-aside{width:100%}.pricing-heading{padding:30px 20px!important}.pricing-heading h1{font-size:38px!important}.pricing-heading p{font-size:17px!important}.inner-hero h1{font-size:38px!important}.rate-team{grid-template-columns:1fr!important}.person-card img{max-width:100%;height:auto}.mobile-cta a{min-height:52px;display:flex;align-items:center;justify-content:center;font-size:16px}.mobile-cta{z-index:50}dialog{max-width:calc(100vw - 24px);max-height:85dvh;overflow:auto}.reading table{display:block;max-width:100%;overflow:auto}.hero-copy,.hero-photo{min-width:0}}
@media(max-width:370px){.intent-grid{grid-template-columns:1fr}.consumer-hero h1,.consumer-home .hero-copy h1{font-size:35px}.nav-rate{font-size:12px}.original-logo{width:120px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important;animation:none!important}}