:root {
    --navy: #0b1f33;
    --navy-2: #12304a;
    --blue: #2f63ff;
    --blue-dark: #234bd1;
    --orange: #ff6b35;
    --cream: #f7f4ed;
    --sand: #eee7db;
    --white: #ffffff;
    --ink: #132337;
    --muted: #5d6a78;
    --line: rgba(19, 35, 55, 0.13);
    --radius: 22px;
    --shadow: 0 24px 70px rgba(11, 31, 51, 0.13);
    --container: 1180px;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    overflow-x: hidden;
}

body {
    margin: 0;
    color: var(--ink);
    background: var(--white);
    font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    line-height: 1.55;
    -webkit-font-smoothing: antialiased;
}

body.menu-open {
    overflow: hidden;
}

a {
    color: inherit;
}

button,
input {
    font: inherit;
}

button,
a {
    -webkit-tap-highlight-color: transparent;
}

.container {
    width: min(calc(100% - 40px), var(--container));
    margin-inline: auto;
}

.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

.skip-link {
    position: fixed;
    left: 16px;
    top: -60px;
    z-index: 1000;
    background: var(--white);
    padding: 12px 18px;
    border-radius: 10px;
}

.skip-link:focus {
    top: 16px;
}

.site-header {
    position: absolute;
    inset: 0 0 auto;
    z-index: 20;
    color: var(--white);
}

.site-header.subpage-header {
    background: var(--navy);
    box-shadow: 0 10px 28px rgba(5, 20, 35, .16);
}

.nav {
    min-height: 88px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    border-bottom: 1px solid rgba(255,255,255,.13);
}

.brand {
    display: inline-flex;
    align-items: baseline;
    gap: 5px;
    text-decoration: none;
    font-size: 22px;
    letter-spacing: -0.04em;
}

.brand strong {
    color: #8fb2ff;
}

.brand-arrow {
    margin-left: 4px;
    color: var(--orange);
    font-weight: 800;
}

.main-navigation {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 12px;
}

.main-navigation > a:not(.button) {
    text-decoration: none;
    color: rgba(255,255,255,.78);
}

.main-navigation > a:hover,
.main-navigation > a:focus-visible {
    color: var(--white);
}

.nav-toggle {
    display: none;
}

.button {
    display: inline-flex;
    min-height: 54px;
    padding: 0 24px;
    align-items: center;
    justify-content: center;
    gap: 14px;
    border: 0;
    border-radius: 13px;
    font-weight: 750;
    text-decoration: none;
    cursor: pointer;
    transition: transform .2s ease, background .2s ease, box-shadow .2s ease;
}

.button:hover {
    transform: translateY(-2px);
}

.button:focus-visible,
.text-link:focus-visible,
.form-back:focus-visible,
summary:focus-visible {
    outline: 3px solid rgba(47, 99, 255, .35);
    outline-offset: 3px;
}

.button-small {
    min-height: 42px;
    padding: 0 18px;
    color: var(--white);
    background: rgba(255,255,255,.11);
    border: 1px solid rgba(255,255,255,.2);
}

.button-primary {
    color: var(--white);
    background: var(--blue);
    box-shadow: 0 14px 30px rgba(47, 99, 255, .25);
}

.button-primary:hover {
    background: var(--blue-dark);
}

.button-secondary {
    color: var(--ink);
    background: var(--white);
    border: 1px solid var(--line);
}

.button-light {
    color: var(--navy);
    background: var(--white);
}

.text-link {
    display: inline-flex;
    gap: 8px;
    color: var(--white);
    font-weight: 700;
    text-underline-offset: 5px;
}

.text-link-dark {
    color: var(--ink);
}

.hero {
    position: relative;
    min-height: 820px;
    padding: 170px 0 32px;
    color: var(--white);
    background:
        linear-gradient(118deg, rgba(11,31,51,.97) 0%, rgba(11,31,51,.94) 55%, rgba(19,53,83,.96) 100%),
        repeating-linear-gradient(90deg, transparent 0 95px, rgba(255,255,255,.025) 95px 96px);
    overflow: hidden;
}

.hero::after {
    content: "";
    position: absolute;
    left: 0;
    right: 0;
    bottom: 0;
    height: 180px;
    background: linear-gradient(180deg, transparent, rgba(0,0,0,.12));
    pointer-events: none;
}

.hero-glow {
    position: absolute;
    border-radius: 50%;
    filter: blur(10px);
    pointer-events: none;
}

.hero-glow-one {
    width: 420px;
    height: 420px;
    right: 8%;
    top: 130px;
    background: radial-gradient(circle, rgba(47,99,255,.28), transparent 68%);
}

.hero-glow-two {
    width: 300px;
    height: 300px;
    left: -120px;
    bottom: 30px;
    background: radial-gradient(circle, rgba(255,107,53,.16), transparent 68%);
}

.hero-grid {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1.05fr .82fr;
    gap: 76px;
    align-items: center;
}

.eyebrow,
.section-label {
    margin: 0 0 20px;
    color: var(--blue);
    font-size: 13px;
    font-weight: 800;
    letter-spacing: .14em;
    text-transform: uppercase;
}

.eyebrow {
    display: flex;
    align-items: center;
    gap: 11px;
    color: #a9c0ff;
}

.eyebrow span {
    width: 28px;
    height: 2px;
    background: var(--orange);
}

.hero h1,
.section h2,
.closing-card h2 {
    margin: 0;
    font-weight: 760;
    letter-spacing: -.055em;
    line-height: 1.02;
}

.hero h1 {
    max-width: 710px;
    font-size: clamp(50px, 5.6vw, 78px);
}

.hero h1 em,
.section h2 em {
    color: #86a9ff;
    font-style: normal;
}

.hero-lead {
    max-width: 650px;
    margin: 30px 0 0;
    color: rgba(255,255,255,.72);
    font-size: 19px;
    line-height: 1.7;
}

.hero-actions {
    display: flex;
    align-items: center;
    gap: 26px;
    margin-top: 36px;
}

.hero-points {
    display: flex;
    flex-wrap: wrap;
    gap: 12px 24px;
    margin: 30px 0 0;
    padding: 0;
    list-style: none;
    color: rgba(255,255,255,.66);
    font-size: 13px;
}

.hero-points span {
    margin-right: 6px;
    color: #8fb2ff;
    font-weight: 900;
}

.hero-panel {
    padding: 24px;
    border: 1px solid rgba(255,255,255,.14);
    border-radius: 28px;
    background: rgba(255,255,255,.075);
    box-shadow: 0 34px 90px rgba(0,0,0,.22);
    backdrop-filter: blur(18px);
}

.panel-topline {
    display: flex;
    justify-content: space-between;
    gap: 16px;
    margin-bottom: 22px;
    color: rgba(255,255,255,.6);
    font-size: 12px;
    font-weight: 750;
    letter-spacing: .06em;
    text-transform: uppercase;
}

.status-dot {
    display: flex;
    align-items: center;
    gap: 7px;
    color: #b9f3d0;
}

.status-dot i {
    display: inline-block;
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: #55dc91;
    box-shadow: 0 0 0 5px rgba(85,220,145,.12);
}

.journey-card {
    display: grid;
    grid-template-columns: 36px 1fr auto;
    gap: 15px;
    align-items: center;
    padding: 18px;
    border: 1px solid rgba(255,255,255,.08);
    border-radius: 17px;
    background: rgba(5,20,35,.35);
}

.journey-card-main {
    border-color: rgba(114,153,255,.44);
    background: rgba(47,99,255,.16);
}

.journey-number {
    color: #9db9ff;
    font-size: 12px;
    font-weight: 800;
}

.journey-card strong {
    display: block;
    font-size: 15px;
}

.journey-card p {
    margin: 3px 0 0;
    color: rgba(255,255,255,.54);
    font-size: 12px;
}

.journey-state {
    padding: 5px 9px;
    border-radius: 20px;
    color: rgba(255,255,255,.55);
    background: rgba(255,255,255,.06);
    font-size: 10px;
    font-weight: 800;
    text-transform: uppercase;
}

.journey-state.active {
    color: #c9d7ff;
    background: rgba(47,99,255,.25);
}

.journey-line {
    height: 20px;
    padding-left: 35px;
}

.journey-line span {
    display: block;
    width: 1px;
    height: 100%;
    background: rgba(255,255,255,.18);
}

.panel-note {
    display: flex;
    gap: 12px;
    margin-top: 22px;
    padding-top: 20px;
    border-top: 1px solid rgba(255,255,255,.1);
}

.panel-note > span {
    flex: 0 0 auto;
    display: grid;
    width: 22px;
    height: 22px;
    place-items: center;
    border-radius: 50%;
    color: #bdd0ff;
    background: rgba(47,99,255,.23);
    font-size: 12px;
    font-weight: 800;
}

.panel-note p {
    margin: 0;
    color: rgba(255,255,255,.56);
    font-size: 12px;
}

.trust-strip {
    position: relative;
    z-index: 2;
    display: flex;
    justify-content: center;
    gap: 14px;
    margin-top: 70px;
}

.trust-strip span {
    padding: 8px 13px;
    border-radius: 30px;
    color: rgba(255,255,255,.55);
    background: rgba(255,255,255,.055);
    font-size: 11px;
    letter-spacing: .06em;
    text-transform: uppercase;
}

.section {
    padding: 120px 0;
}

.section-light {
    background: var(--white);
}

.section-sand {
    background: var(--cream);
}

.section-dark {
    color: var(--white);
    background: var(--navy);
}

.split-heading {
    display: grid;
    grid-template-columns: 1.1fr .72fr;
    gap: 110px;
    align-items: end;
}

.section h2 {
    max-width: 820px;
    font-size: clamp(40px, 4.3vw, 62px);
}

.section h2 em {
    color: var(--blue);
}

.section-intro {
    color: var(--muted);
    font-size: 17px;
}

.section-intro p {
    margin: 0 0 18px;
}

.benefit-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 62px;
}

.benefit-card {
    position: relative;
    min-height: 270px;
    padding: 28px 30px 32px;
    overflow: hidden;
    border: 1px solid rgba(20,47,78,.11);
    border-radius: 24px;
    background:
        radial-gradient(circle at 100% 0, rgba(47,99,255,.11), transparent 37%),
        var(--white);
    box-shadow: 0 20px 55px rgba(20,47,78,.07);
    transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}

.benefit-card::before {
    content: "";
    position: absolute;
    top: 0;
    left: 30px;
    width: 72px;
    height: 4px;
    border-radius: 0 0 5px 5px;
    background: linear-gradient(90deg, #2f63ff, #7b9bff);
}

.benefit-card::after {
    position: absolute;
    top: 7px;
    right: 20px;
    color: rgba(47,99,255,.055);
    font-size: 94px;
    font-weight: 900;
    line-height: 1;
    letter-spacing: -.08em;
}

.benefit-card:nth-child(1)::after { content: "01"; }
.benefit-card:nth-child(2)::after { content: "02"; }
.benefit-card:nth-child(3)::after { content: "03"; }

.benefit-card:hover {
    transform: translateY(-7px);
    border-color: rgba(47,99,255,.3);
    box-shadow: 0 28px 65px rgba(20,47,78,.12);
}

.benefit-index {
    display: none;
}

.benefit-card h3 {
    position: relative;
    z-index: 1;
    margin: 96px 0 13px;
    font-size: 23px;
    letter-spacing: -.035em;
}

.benefit-card p {
    position: relative;
    z-index: 1;
    margin: 0;
    color: var(--muted);
    line-height: 1.65;
}

.calculator-section {
    background:
        radial-gradient(circle at 12% 20%, rgba(47,99,255,.1), transparent 30%),
        #edf2ff;
}

.calculator-grid {
    display: grid;
    grid-template-columns: .82fr 1.18fr;
    gap: 82px;
    align-items: start;
}

.calculator-copy {
    padding-top: 24px;
}

.calculator-copy > p:not(.section-label) {
    max-width: 510px;
    margin-top: 24px;
    color: var(--muted);
    font-size: 17px;
}

.calculator-copy ul {
    display: grid;
    gap: 10px;
    margin: 34px 0 0;
    padding: 0;
    color: var(--muted);
    list-style: none;
}

.calculator-copy li::before {
    content: "✓";
    margin-right: 11px;
    color: var(--blue);
    font-weight: 900;
}

.mortgage-calculator,
.affordability-calculator {
    padding: 38px;
    border-radius: 28px;
    color: var(--white);
    background:
        radial-gradient(circle at 90% 8%, rgba(47,99,255,.28), transparent 32%),
        var(--navy);
    box-shadow: 0 26px 70px rgba(11,31,51,.2);
}

.affordability-calculator {
    padding: 34px;
}

.hero-affordability-calculator {
    padding: 24px;
    border: 1px solid rgba(255,255,255,.14);
    background:
        radial-gradient(circle at 90% 8%, rgba(47,99,255,.3), transparent 34%),
        rgba(7,27,46,.72);
    box-shadow: 0 34px 90px rgba(0,0,0,.22);
    backdrop-filter: blur(18px);
}

.hero-affordability-calculator .affordability-bank {
    margin-bottom: 16px;
    padding-bottom: 14px;
}

.hero-affordability-calculator .affordability-step {
    margin-top: 14px;
}

.hero-affordability-calculator .money-input-control input {
    height: 50px;
}

.hero-affordability-calculator .liability-toggle,
.hero-affordability-calculator .affordability-result {
    margin-top: 14px;
}

.hero-affordability-calculator .affordability-result {
    padding: 20px;
}

.hero-affordability-calculator .affordability-result > strong {
    font-size: clamp(34px, 3.3vw, 45px);
}

.hero-affordability-calculator .affordability-result > div:not(.affordability-warning) {
    margin-top: 15px;
    padding-top: 14px;
}

.hero-affordability-calculator .calculator-cta {
    margin-top: 16px;
}

.journey-section-copy .button {
    margin-top: 30px;
}

.journey-section-panel {
    color: var(--white);
    background:
        radial-gradient(circle at 90% 8%, rgba(47,99,255,.28), transparent 32%),
        var(--navy);
}

.affordability-bank {
    display: flex;
    gap: 18px;
    margin-bottom: 28px;
    padding-bottom: 20px;
    justify-content: space-between;
    align-items: center;
    border-bottom: 1px solid rgba(255,255,255,.12);
}

.affordability-bank span {
    color: rgba(255,255,255,.56);
    font-size: 11px;
}

.affordability-bank strong {
    font-size: 13px;
    text-align: right;
}

.affordability-inputs {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
}

.affordability-inputs > :only-child {
    grid-column: 1 / -1;
}

.affordability-step {
    display: flex;
    align-items: center;
    gap: 11px;
    margin: 22px 0 11px;
}

.affordability-step > span {
    display: grid;
    place-items: center;
    width: 28px;
    height: 28px;
    flex: 0 0 28px;
    border-radius: 50%;
    color: var(--navy);
    background: var(--yellow);
    font-weight: 850;
}

.affordability-step div {
    display: grid;
    gap: 1px;
}

.affordability-step strong {
    color: var(--white);
    font-size: 13px;
}

.affordability-step small,
.liability-auto {
    color: rgba(255,255,255,.45);
    font-size: 9px;
}

.liability-grid {
    overflow: hidden;
    border: 1px solid rgba(255,255,255,.11);
    border-radius: 15px;
    background: rgba(255,255,255,.025);
}

.liability-toggle {
    display: flex;
    width: 100%;
    margin-top: 22px;
    padding: 15px 16px;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    border: 1px solid rgba(255,255,255,.13);
    border-radius: 14px;
    color: var(--white);
    background: rgba(255,255,255,.045);
    text-align: left;
    cursor: pointer;
}

.liability-toggle span {
    display: grid;
    gap: 3px;
}

.liability-toggle b {
    font-size: 12px;
}

.liability-toggle small {
    color: rgba(255,255,255,.42);
    font-size: 9px;
}

.liability-toggle > strong {
    color: #9bb3ff;
    font-size: 10px;
    white-space: nowrap;
}

.liability-toggle i {
    display: inline-grid;
    place-items: center;
    width: 20px;
    height: 20px;
    margin-left: 6px;
    border-radius: 50%;
    color: var(--navy);
    background: var(--yellow);
    font-style: normal;
}

.liability-toggle + .liability-grid {
    margin-top: 10px;
}

.liability-head,
.liability-row {
    display: grid;
    grid-template-columns: 1.05fr 1fr 1fr;
    align-items: center;
    gap: 9px;
    padding: 10px 12px;
}

.liability-head {
    color: rgba(255,255,255,.38);
    background: rgba(255,255,255,.045);
    font-size: 8px;
    font-weight: 800;
    text-transform: uppercase;
}

.liability-row + .liability-row {
    border-top: 1px solid rgba(255,255,255,.08);
}

.liability-row strong {
    color: rgba(255,255,255,.76);
    font-size: 10px;
}

.liability-row .money-input-control input {
    height: 44px;
    padding-left: 11px;
    font-size: 15px;
}

.money-input {
    display: grid;
    gap: 8px;
}

.money-input > span:first-child {
    color: rgba(255,255,255,.68);
    font-size: 12px;
    font-weight: 750;
}

.money-input-control {
    display: grid;
    grid-template-columns: 1fr auto;
    min-width: 0;
    overflow: hidden;
    align-items: center;
    border: 1px solid rgba(255,255,255,.15);
    border-radius: 13px;
    background: rgba(255,255,255,.07);
}

.money-input-control:focus-within {
    border-color: #7c9cff;
    box-shadow: 0 0 0 3px rgba(47,99,255,.25);
}

.money-input-control input {
    width: 100%;
    min-width: 0;
    height: 56px;
    padding: 0 10px 0 16px;
    border: 0;
    outline: 0;
    color: var(--white);
    background: transparent;
    font-size: 20px;
    font-weight: 850;
}

.money-input-control i {
    padding-right: 14px;
    color: rgba(255,255,255,.44);
    font-size: 11px;
    font-style: normal;
}

.money-input small {
    min-height: 34px;
    color: rgba(255,255,255,.38);
    font-size: 9px;
}

.affordability-refinement {
    margin-top: 16px;
    border: 1px solid rgba(255,255,255,.11);
    border-radius: 13px;
    background: rgba(255,255,255,.035);
}

.affordability-refinement summary {
    padding: 13px 15px;
    color: rgba(255,255,255,.65);
    font-size: 11px;
    font-weight: 750;
    cursor: pointer;
}

.affordability-refinement .money-input {
    padding: 0 15px 15px;
}

.affordability-refinement .money-input small {
    min-height: 0;
}

.affordability-result {
    margin-top: 22px;
    padding: 25px;
    border-radius: 20px;
    background: var(--blue);
}

.affordability-result > span {
    color: rgba(255,255,255,.7);
    font-size: 11px;
}

.affordability-result > strong {
    display: block;
    margin-top: 8px;
    font-size: clamp(35px, 4vw, 52px);
    line-height: 1;
    letter-spacing: -.055em;
}

.affordability-result > div:not(.affordability-warning) {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-top: 22px;
    padding-top: 18px;
    border-top: 1px solid rgba(255,255,255,.18);
}

.affordability-result p {
    margin: 0;
}

.affordability-result p span {
    display: block;
    color: rgba(255,255,255,.58);
    font-size: 9px;
}

.affordability-result p strong {
    display: block;
    margin-top: 4px;
    font-size: 16px;
}

.affordability-result .affordability-explanation {
    margin-top: 17px;
    color: rgba(255,255,255,.66);
    font-size: 10px;
}

.affordability-warning {
    margin-top: 16px;
    padding: 11px 13px;
    border-radius: 10px;
    color: #7d2e12;
    background: #fff1e8;
    font-size: 11px;
}

.calculator-field {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 12px;
    margin-bottom: 29px;
}

.calculator-field label {
    color: rgba(255,255,255,.7);
    font-size: 13px;
    font-weight: 750;
}

.calculator-field output {
    color: var(--white);
    font-size: 15px;
    font-weight: 850;
}

.calculator-field input[type="range"] {
    grid-column: 1 / -1;
    width: 100%;
    height: 6px;
    margin: 5px 0 0;
    border-radius: 999px;
    accent-color: var(--blue);
    cursor: pointer;
}

.range-labels {
    grid-column: 1 / -1;
    display: flex;
    justify-content: space-between;
    color: rgba(255,255,255,.36);
    font-size: 10px;
}

.calculator-results {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-top: 8px;
    padding-top: 26px;
    border-top: 1px solid rgba(255,255,255,.12);
}

.calculator-result-main,
.calculator-result-stress {
    min-height: 138px;
    padding: 22px;
    border-radius: 18px;
}

.calculator-result-main {
    background: var(--blue);
}

.calculator-result-stress {
    background: rgba(255,255,255,.07);
}

.calculator-results span {
    display: block;
    color: rgba(255,255,255,.65);
    font-size: 11px;
}

.calculator-result-main > strong,
.calculator-result-stress div > strong {
    display: block;
    margin-top: 13px;
    font-size: clamp(24px, 2.5vw, 34px);
    letter-spacing: -.045em;
}

.calculator-result-stress p {
    margin: 11px 0 0;
    color: rgba(255,255,255,.55);
    font-size: 11px;
}

.calculator-result-stress p strong {
    color: #ffb59b;
}

.calculator-cta {
    width: 100%;
    margin-top: 24px;
}

.calculator-disclaimer {
    margin: 13px 0 0;
    color: rgba(255,255,255,.38);
    font-size: 10px;
    text-align: center;
}

.property-calculator {
    display: grid;
    grid-template-columns: .72fr 1.28fr;
    gap: 58px;
    margin-top: 70px;
    padding: 48px;
    align-items: start;
    border: 1px solid var(--line);
    border-radius: 30px;
    background: var(--white);
    box-shadow: 0 20px 55px rgba(11,31,51,.08);
}

.property-calculator-copy {
    padding-top: 18px;
}

.property-calculator-copy h3 {
    margin: 0;
    font-size: clamp(31px, 3.8vw, 48px);
    line-height: 1.02;
    letter-spacing: -.055em;
}

.property-calculator-copy > p:last-child {
    margin: 22px 0 0;
    color: var(--muted);
}

.section-heading {
    margin-bottom: 58px;
}

.section-heading.centered {
    text-align: center;
}

.section-heading.centered h2,
.section-heading.centered p {
    margin-inline: auto;
}

.section-heading.centered > p:last-child {
    max-width: 600px;
    margin-top: 20px;
    color: rgba(255,255,255,.6);
}

.section-label-light {
    color: #94b1ff;
}

.process-grid {
    position: relative;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    margin-top: 62px;
}

.process-grid::before {
    content: "";
    position: absolute;
    z-index: 0;
    top: 35px;
    left: 7%;
    right: 7%;
    height: 1px;
    background: linear-gradient(90deg, transparent, #557ef3 12%, #557ef3 88%, transparent);
    opacity: .55;
}

.process-grid article {
    position: relative;
    z-index: 1;
    min-height: 292px;
    padding: 28px 26px 30px;
    overflow: hidden;
    border: 1px solid rgba(255,255,255,.11);
    border-radius: 22px;
    background:
        radial-gradient(circle at 18% 0, rgba(65,110,255,.17), transparent 34%),
        linear-gradient(155deg, rgba(255,255,255,.055), rgba(255,255,255,.018));
    box-shadow: 0 18px 50px rgba(0,0,0,.12);
    transition: transform .25s ease, border-color .25s ease, background-color .25s ease;
}

.process-grid article:hover {
    transform: translateY(-6px);
    border-color: rgba(124,156,255,.4);
}

.process-grid span {
    display: grid;
    width: 42px;
    height: 42px;
    margin-inline: auto;
    place-items: center;
    border: 1px solid rgba(133,163,255,.55);
    border-radius: 50%;
    color: var(--white);
    background: #2f63ff;
    box-shadow: 0 0 0 8px var(--navy), 0 0 28px rgba(47,99,255,.38);
    font-size: 12px;
    font-weight: 800;
}

.process-grid article > small {
    display: block;
    margin-top: 55px;
    color: #8eabff;
    font-size: 9px;
    font-weight: 850;
    letter-spacing: .13em;
    text-transform: uppercase;
}

.process-grid h3 {
    margin: 9px 0 13px;
    font-size: 20px;
    letter-spacing: -.03em;
}

.process-grid p {
    margin: 0;
    color: rgba(255,255,255,.56);
    font-size: 14px;
    line-height: 1.65;
}

.bank-section {
    color: var(--white);
    background:
        radial-gradient(circle at 82% 18%, rgba(47,99,255,.14), transparent 31%),
        #151b36;
}

.bank-heading,
.advisors-heading {
    display: grid;
    grid-template-columns: 1.1fr .72fr;
    gap: 100px;
    align-items: end;
}

.bank-heading h2,
.advisors-heading h2 {
    margin-bottom: 0;
}

.bank-heading h2 em {
    color: #92adff;
}

.bank-heading > p {
    margin: 0 0 8px;
    color: rgba(255,255,255,.62);
    font-size: 17px;
}

.bank-logo-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 10px;
    margin-top: 68px;
}

.bank-logo-grid > div {
    display: grid;
    min-height: 112px;
    padding: 20px;
    place-items: center;
    border: 1px solid rgba(255,255,255,.1);
    border-radius: 15px;
    background: rgba(255,255,255,.035);
}

.bank-logo-grid img {
    width: 100%;
    max-width: 150px;
    height: 52px;
    object-fit: contain;
    opacity: .82;
    transition: opacity .2s ease, transform .2s ease;
}

.bank-logo-grid > div:hover img {
    opacity: 1;
    transform: translateY(-2px);
}

.bank-note {
    max-width: 900px;
    margin-top: 30px;
    color: rgba(255,255,255,.42);
    font-size: 12px;
}

.advisors-section {
    background: var(--white);
}

.advisors-heading > p {
    margin: 0 0 8px;
    color: var(--muted);
    font-size: 17px;
}

.advisor-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 22px;
    margin-top: 62px;
}

.advisor-card {
    display: grid;
    grid-template-columns: 104px 1fr;
    gap: 28px;
    min-height: 320px;
    padding: 34px;
    border: 1px solid var(--line);
    border-radius: 26px;
    background: linear-gradient(145deg, #fff 0%, #f8f9fc 100%);
}

.advisor-monogram {
    display: grid;
    width: 104px;
    height: 104px;
    place-items: center;
    border-radius: 24px;
    color: var(--white);
    background: linear-gradient(145deg, var(--blue), var(--blue-dark));
    box-shadow: 0 18px 38px rgba(47,99,255,.2);
    font-size: 31px;
    font-weight: 850;
    letter-spacing: -.05em;
}

.advisor-monogram-alt {
    background: linear-gradient(145deg, #ff875c, var(--orange));
    box-shadow: 0 18px 38px rgba(255,107,53,.2);
}

.advisor-meta > span {
    color: var(--blue);
    font-size: 11px;
    font-weight: 850;
    letter-spacing: .09em;
    text-transform: uppercase;
}

.advisor-meta h3 {
    margin: 8px 0 13px;
    font-size: 31px;
    letter-spacing: -.045em;
}

.advisor-meta p {
    margin: 0;
    color: var(--muted);
}

.advisor-card > .text-link {
    grid-column: 2;
    justify-self: start;
    align-self: end;
    font-size: 14px;
}

.locality-strip {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 42px;
    margin-top: 22px;
    padding: 30px 34px;
    border-radius: 21px;
    color: var(--white);
    background: var(--navy);
}

.locality-strip > div {
    display: flex;
    align-items: center;
    gap: 17px;
}

.locality-icon {
    display: grid;
    flex: 0 0 auto;
    width: 44px;
    height: 44px;
    place-items: center;
    border-radius: 50%;
    color: #b8caff;
    background: rgba(47,99,255,.22);
    font-size: 22px;
}

.locality-strip strong {
    font-size: 17px;
}

.locality-strip p {
    margin: 3px 0 0;
    color: rgba(255,255,255,.58);
    font-size: 13px;
}

.locality-strip ul {
    display: flex;
    flex-wrap: wrap;
    justify-content: flex-end;
    gap: 9px;
    margin: 0;
    padding: 0;
    list-style: none;
}

.locality-strip li {
    padding: 8px 11px;
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 999px;
    color: rgba(255,255,255,.76);
    background: rgba(255,255,255,.055);
    font-size: 11px;
    font-weight: 750;
}

.service-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

.service-card {
    position: relative;
    display: flex;
    padding: 34px;
    flex-direction: column;
    border: 1px solid var(--line);
    border-radius: 26px;
    background: var(--white);
}

.service-card-featured {
    color: var(--white);
    background: var(--navy);
    box-shadow: var(--shadow);
}

.service-badge {
    position: absolute;
    right: 22px;
    top: 22px;
    padding: 7px 11px;
    border-radius: 30px;
    color: #cbd8ff;
    background: rgba(47,99,255,.22);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.service-kicker {
    margin: 0 0 14px;
    color: var(--blue);
    font-size: 13px;
    font-weight: 800;
}

.service-card-featured .service-kicker {
    color: #97b3ff;
}

.service-card h3 {
    margin: 0;
    font-size: 31px;
    letter-spacing: -.05em;
}

.service-description {
    min-height: 84px;
    margin: 20px 0;
    color: var(--muted);
}

.service-card-featured .service-description,
.service-card-featured li {
    color: rgba(255,255,255,.62);
}

.service-card ul {
    display: grid;
    gap: 10px;
    margin: 28px 0 34px;
    padding: 24px 0 0;
    border-top: 1px solid var(--line);
    list-style: none;
    color: var(--muted);
}

.service-card > .button {
    align-self: flex-start;
    margin-top: auto;
}

.service-card-refinance {
    background:
        radial-gradient(circle at 100% 0, rgba(47,99,255,.09), transparent 38%),
        var(--white);
}

@media (max-width: 1100px) {
    .service-grid {
        grid-template-columns: 1fr;
    }
}

.service-card-featured ul {
    border-top-color: rgba(255,255,255,.1);
}

.service-card li::before {
    content: "✓";
    margin-right: 10px;
    color: var(--blue);
    font-weight: 900;
}

.secondary-service {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
    margin-top: 22px;
    padding: 32px 40px;
    border: 1px solid var(--line);
    border-radius: 20px;
    background: rgba(255,255,255,.55);
}

.secondary-service span {
    color: var(--blue);
    font-size: 12px;
    font-weight: 800;
    text-transform: uppercase;
}

.secondary-service h3 {
    margin: 6px 0 0;
    font-size: 22px;
    letter-spacing: -.03em;
}

.conversion-section {
    background: var(--white);
}

.conversion-grid {
    display: grid;
    grid-template-columns: .8fr 1.2fr;
    gap: 80px;
    align-items: start;
}

.conversion-copy {
    position: sticky;
    top: 40px;
}

.conversion-copy > p:not(.section-label) {
    max-width: 470px;
    color: var(--muted);
    font-size: 17px;
}

.conversion-promise {
    display: grid;
    gap: 5px;
    margin-top: 36px;
    padding-left: 18px;
    border-left: 3px solid var(--orange);
}

.conversion-promise span {
    color: var(--muted);
    font-size: 13px;
}

.reference-contact {
    margin-top: 34px;
    padding: 20px 22px;
    border: 1px solid var(--line);
    border-radius: 16px;
    background: rgba(255,255,255,.72);
}

.reference-contact p {
    margin: 0 0 10px;
    color: var(--muted);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.reference-contact p span {
    display: inline-block;
    margin-left: 8px;
    padding: 3px 7px;
    color: #8b3a1d;
    background: #ffe3d8;
    border-radius: 999px;
    letter-spacing: .03em;
}

.reference-contact > strong,
.reference-contact > small {
    display: block;
}

.reference-contact > strong {
    font-size: 21px;
}

.reference-contact > small {
    color: var(--muted);
}

.reference-contact div {
    display: flex;
    flex-wrap: wrap;
    gap: 8px 18px;
    margin-top: 13px;
    font-size: 14px;
    font-weight: 700;
}

.reference-contact a {
    color: var(--blue-dark);
    text-underline-offset: 3px;
}

.lead-form {
    min-height: 570px;
    padding: 38px;
    border: 1px solid var(--line);
    border-radius: 28px;
    background: var(--cream);
    box-shadow: var(--shadow);
}

.honeypot {
    position: absolute !important;
    left: -9999px !important;
    opacity: 0 !important;
}

.form-progress {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 7px;
    margin-bottom: 42px;
}

.form-progress span {
    height: 4px;
    border-radius: 10px;
    background: rgba(19,35,55,.12);
}

.form-progress span.active {
    background: var(--blue);
}

.form-step-label {
    margin: 0 0 8px;
    color: var(--blue);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .1em;
    text-transform: uppercase;
}

.form-step h3,
.form-success h3 {
    margin: 0 0 28px;
    font-size: 32px;
    letter-spacing: -.045em;
}

.choice-grid {
    display: grid;
    gap: 10px;
}

.choice-card {
    cursor: pointer;
}

.choice-card input {
    position: absolute;
    opacity: 0;
    pointer-events: none;
}

.choice-card span {
    display: block;
    padding: 17px 18px;
    border: 1px solid var(--line);
    border-radius: 14px;
    background: var(--white);
    transition: border .2s ease, background .2s ease, transform .2s ease;
}

.choice-card:hover span {
    transform: translateX(3px);
}

.choice-card input:checked + span {
    border-color: var(--blue);
    background: #edf2ff;
    box-shadow: inset 0 0 0 1px var(--blue);
}

.choice-card input:focus-visible + span {
    outline: 3px solid rgba(47, 99, 255, .25);
    outline-offset: 2px;
}

.choice-card strong,
.choice-card small {
    display: block;
}

.choice-card strong {
    font-size: 15px;
}

.choice-card small {
    margin-top: 3px;
    color: var(--muted);
}

.form-error {
    min-height: 22px;
    margin: 12px 0;
    color: #b73535;
    font-size: 13px;
}

.form-buttons {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
}

.form-back {
    border: 0;
    color: var(--muted);
    background: transparent;
    cursor: pointer;
    text-decoration: underline;
    text-underline-offset: 5px;
}

.field-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 15px;
}

.field-full {
    grid-column: 1 / -1;
}

.field span {
    display: block;
    margin-bottom: 7px;
    color: var(--muted);
    font-size: 12px;
    font-weight: 700;
}

.field input {
    width: 100%;
    height: 50px;
    padding: 0 14px;
    border: 1px solid var(--line);
    border-radius: 12px;
    color: var(--ink);
    background: var(--white);
}

.field input:focus {
    border-color: var(--blue);
    outline: 3px solid rgba(47,99,255,.13);
}

.refinance-rate-panel {
    margin-top: 16px;
    padding: 16px;
    border: 1px solid rgba(47,99,255,.18);
    border-radius: 14px;
    background: #f4f7ff;
}

.refinance-rate-control {
    display: grid !important;
    grid-template-columns: 1fr auto;
    align-items: center;
    overflow: hidden;
    margin: 0 !important;
    border: 1px solid var(--line);
    border-radius: 10px;
    background: var(--white);
}

.refinance-rate-control input { border: 0; }

.refinance-rate-control i {
    padding-right: 13px;
    color: var(--muted);
    font-size: 10px;
    font-style: normal;
}

.refinance-rate-panel > small {
    display: block;
    margin-top: 8px;
    color: var(--muted);
    font-size: 9px;
}

.consent {
    display: grid;
    grid-template-columns: 20px 1fr;
    gap: 10px;
    align-items: start;
    margin-top: 18px;
    color: var(--muted);
    font-size: 12px;
}

.consent a {
    color: var(--blue-dark);
    font-weight: 700;
    text-underline-offset: 3px;
}

.consent input {
    margin-top: 3px;
}

.form-success {
    padding: 70px 10px;
    text-align: center;
}

.success-icon {
    display: grid;
    width: 62px;
    height: 62px;
    margin: 0 auto 20px;
    place-items: center;
    border-radius: 50%;
    color: var(--white);
    background: #28a164;
    font-size: 28px;
    font-weight: 900;
}

.form-success p {
    max-width: 420px;
    margin: 0 auto;
    color: var(--muted);
}

.faq-grid {
    display: grid;
    grid-template-columns: .65fr 1fr;
    gap: 100px;
}

.faq-heading {
    position: sticky;
    top: 40px;
    align-self: start;
}

.accordion {
    border-top: 1px solid var(--line);
}

.accordion details {
    border-bottom: 1px solid var(--line);
}

.accordion summary {
    position: relative;
    padding: 26px 50px 26px 0;
    cursor: pointer;
    font-size: 17px;
    font-weight: 750;
    list-style: none;
}

.accordion summary::-webkit-details-marker {
    display: none;
}

.accordion summary::after {
    content: "+";
    position: absolute;
    right: 8px;
    top: 22px;
    color: var(--blue);
    font-size: 26px;
    font-weight: 400;
}

.accordion details[open] summary::after {
    content: "−";
}

.accordion details p {
    margin: -5px 0 26px;
    padding-right: 40px;
    color: var(--muted);
}

.faq-bank-fees {
    display: grid;
    gap: 8px;
    margin: -10px 40px 20px 0;
    padding: 0;
    list-style: none;
}

.faq-bank-fees li {
    padding: 13px 15px;
    border: 1px solid var(--line);
    border-radius: 12px;
    color: var(--muted);
    background: rgba(47,99,255,.035);
}

.faq-bank-fees strong {
    color: var(--ink);
}

.accordion details .faq-fee-note {
    margin-top: 0;
    font-size: 12px;
}

.payoff-section {
    color: var(--white);
    background:
        radial-gradient(circle at 85% 8%, rgba(47,99,255,.22), transparent 31%),
        linear-gradient(150deg, #0b2135, #101a32);
}

.standalone-main { padding-top: 82px; }
.standalone-nav { margin-left: auto; }
.subpage-hero { background: var(--navy); color: var(--white); padding: 110px 0 86px; }
.subpage-hero .container { max-width: 900px; margin-left: max(24px, calc((100vw - var(--container)) / 2)); }
.subpage-hero h1 { max-width: 850px; margin: 14px 0 24px; font-size: clamp(48px, 7vw, 92px); line-height: .95; letter-spacing: -.06em; }
.subpage-hero h1 em, .articles-home-heading h2 em, .payoff-teaser-card h2 em { color: var(--blue); font-style: normal; }
.subpage-hero p:last-child { max-width: 710px; color: #aebdcb; font-size: 20px; line-height: 1.65; }
.payoff-page-section { padding-top: 70px; }

.payoff-teaser-section { background: var(--navy); padding: 96px 0; color: var(--white); }
.payoff-teaser-card { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(260px, .75fr); align-items: center; gap: 70px; padding: 64px 70px; border: 1px solid rgba(255,255,255,.18); border-radius: 34px; background: linear-gradient(135deg, #102943, #0b1f33); }
.payoff-teaser-card h2 { max-width: 720px; margin: 14px 0 22px; font-size: clamp(42px, 5vw, 72px); line-height: .98; letter-spacing: -.055em; }
.payoff-teaser-card p:not(.section-label) { max-width: 680px; color: #aebdcb; font-size: 19px; line-height: 1.65; }
.payoff-teaser-card .button { margin-top: 28px; }
.payoff-teaser-visual { display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 15px; color: #91a4b6; font-size: 18px; }
.payoff-teaser-visual i { height: 2px; background: linear-gradient(90deg, #667a8d, var(--blue)); position: relative; }
.payoff-teaser-visual i::after { content: ''; position: absolute; right: -2px; top: 50%; width: 12px; height: 12px; border-radius: 50%; background: var(--blue); transform: translateY(-50%); box-shadow: 0 0 0 9px rgba(50,101,255,.15); }
.payoff-teaser-visual strong { color: var(--white); font-size: 28px; }

.articles-home-section { padding-top: 110px; padding-bottom: 110px; }
.articles-home-heading { display: grid; grid-template-columns: 1.25fr .75fr; align-items: end; gap: 60px; margin-bottom: 46px; }
.articles-home-heading h2 { margin: 10px 0 0; font-size: clamp(44px, 5vw, 72px); line-height: .98; letter-spacing: -.055em; }
.articles-home-heading > p { color: var(--muted); font-size: 19px; line-height: 1.65; }
.articles-home-grid, .articles-page-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.article-card { min-height: 390px; display: flex; flex-direction: column; padding: 36px; border: 1px solid var(--line); border-radius: 28px; background: #fff; }
.article-card > p { margin: 0 0 52px; color: var(--blue); font-size: 13px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.article-card h2, .article-card h3 { margin: 0 0 20px; font-size: 29px; line-height: 1.08; letter-spacing: -.035em; }
.article-card > div { color: var(--muted); line-height: 1.65; }
.article-card > a { margin-top: auto; padding-top: 30px; color: var(--navy); font-weight: 800; text-decoration: none; }
.article-card > a span { color: var(--blue); margin-left: 8px; }
.articles-home-more { margin-top: 34px; text-align: right; }
.articles-home-more a { color: var(--navy); font-weight: 800; text-decoration: none; }
.articles-page-grid { padding-top: 30px; padding-bottom: 110px; }
.article-detail > header { background: #f5f3ee; padding: 95px 0 80px; }
.article-detail-heading { max-width: 950px; }
.article-detail-heading h1 { margin: 18px 0 24px; font-size: clamp(48px, 6vw, 82px); line-height: .98; letter-spacing: -.055em; }
.article-detail-heading > p:last-child { max-width: 760px; color: var(--muted); font-size: 21px; line-height: 1.6; }
.article-content { max-width: 820px; padding-top: 80px; padding-bottom: 70px; font-size: 19px; line-height: 1.8; }
.article-content h2 { margin: 52px 0 16px; font-size: 36px; line-height: 1.15; }
.article-content h3 { margin: 38px 0 12px; font-size: 27px; }
.article-content a { color: var(--blue); }
.article-content blockquote { margin: 36px 0; padding: 22px 28px; border-left: 4px solid var(--blue); background: #f5f7fb; }
.article-detail-cta { max-width: 1000px; margin-bottom: 100px; padding: 48px; border-radius: 28px; background: var(--navy); color: #fff; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.article-detail-cta h2 { margin: 0; font-size: 34px; }

@media (max-width: 800px) {
    .standalone-main { padding-top: 70px; }
    .standalone-nav a:not(.button) { display: none; }
    .subpage-hero { padding: 72px 0 58px; }
    .subpage-hero .container { margin-left: auto; }
    .payoff-teaser-card, .articles-home-heading { grid-template-columns: 1fr; }
    .payoff-teaser-card { padding: 40px 28px; gap: 48px; }
    .articles-home-grid, .articles-page-grid { grid-template-columns: 1fr; }
    .article-card { min-height: 330px; }
    .article-detail-cta { align-items: flex-start; flex-direction: column; padding: 34px 26px; }
}

.payoff-heading {
    display: grid;
    grid-template-columns: 1.05fr .72fr;
    gap: 90px;
    align-items: end;
}

.payoff-heading h2 em {
    color: #88a7ff;
}

.payoff-heading > p {
    margin: 0;
    color: rgba(255,255,255,.6);
    font-size: 15px;
}

.payoff-calculator {
    display: grid;
    grid-template-columns: .72fr 1.28fr;
    gap: 18px;
    margin-top: 56px;
}

.payoff-controls,
.payoff-results {
    border: 1px solid rgba(255,255,255,.11);
    border-radius: 24px;
    background: rgba(255,255,255,.045);
    box-shadow: 0 24px 70px rgba(0,0,0,.16);
}

.payoff-controls {
    padding: 28px;
}

.payoff-rate {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 15px;
    padding: 14px 15px;
    border-radius: 13px;
    background: rgba(47,99,255,.18);
}

.payoff-rate span {
    max-width: 190px;
    color: rgba(255,255,255,.58);
    font-size: 10px;
}

.payoff-rate strong {
    color: #a9bdff;
    font-size: 16px;
    white-space: nowrap;
}

.payoff-field {
    margin-top: 34px;
}

.payoff-input-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-top: 28px;
}

.payoff-number-field {
    display: grid;
    gap: 7px;
}

.payoff-headstart-field {
    grid-column: 1 / -1;
}

.payoff-number-field > span:first-child {
    color: rgba(255,255,255,.58);
    font-size: 9px;
    font-weight: 750;
}

.payoff-number-field > span:last-child {
    display: grid;
    grid-template-columns: 1fr auto;
    align-items: center;
    overflow: hidden;
    border: 1px solid rgba(255,255,255,.14);
    border-radius: 11px;
    background: rgba(255,255,255,.06);
}

.payoff-number-field input {
    width: 100%;
    min-width: 0;
    height: 48px;
    padding: 0 8px 0 13px;
    border: 0;
    outline: 0;
    color: var(--white);
    background: transparent;
    font-size: 16px;
    font-weight: 850;
}

.payoff-number-field i {
    padding-right: 12px;
    color: rgba(255,255,255,.38);
    font-size: 9px;
    font-style: normal;
}

.payoff-results {
    padding: 22px;
}

.payoff-comparison {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
}

.payoff-comparison article {
    min-height: 96px;
    padding: 17px;
    border-radius: 15px;
    background: rgba(255,255,255,.055);
}

.payoff-comparison article:first-child {
    background: rgba(47,99,255,.85);
}

.payoff-comparison span {
    display: block;
    margin-bottom: 13px;
    color: rgba(255,255,255,.56);
    font-size: 9px;
}

.payoff-comparison article:first-child span {
    color: rgba(255,255,255,.72);
}

.payoff-comparison strong {
    font-size: 22px;
    letter-spacing: -.035em;
}

.payoff-difference strong {
    color: #9db4ff;
}

.payoff-crossover {
    margin: 12px 0;
    padding: 20px;
    border: 1px solid rgba(123,155,255,.25);
    border-radius: 17px;
    background: linear-gradient(120deg, rgba(47,99,255,.18), rgba(47,99,255,.06));
}

.payoff-crossover > span {
    display: block;
    color: rgba(255,255,255,.58);
    font-size: 10px;
}

.payoff-crossover > strong {
    display: block;
    margin: 5px 0;
    color: #fff;
    font-size: 31px;
    letter-spacing: -.045em;
}

.payoff-crossover p {
    margin: 0;
    color: rgba(255,255,255,.5);
    font-size: 10px;
}

.payoff-crossover b {
    color: #9fb5ff;
}

.payoff-benefits {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
    margin-bottom: 12px;
}

.payoff-benefits article {
    padding: 18px;
    border: 1px solid rgba(123,155,255,.18);
    border-radius: 15px;
    background: rgba(255,255,255,.055);
}

.payoff-benefits span,
.payoff-benefits small {
    display: block;
    color: rgba(255,255,255,.56);
    font-size: 9px;
    line-height: 1.5;
}

.payoff-benefits strong {
    display: block;
    margin: 6px 0;
    color: #9fb5ff;
    font-size: 23px;
    letter-spacing: -.035em;
}

.payoff-chart-wrap {
    padding: 15px 15px 4px;
    border-radius: 17px;
    background: rgba(2,15,28,.35);
}

.payoff-chart-legend {
    display: flex;
    gap: 20px;
    padding: 0 4px 8px;
    color: rgba(255,255,255,.55);
    font-size: 9px;
}

.payoff-chart-legend span {
    display: flex;
    align-items: center;
    gap: 7px;
}

.payoff-chart-legend i {
    width: 18px;
    height: 3px;
    border-radius: 3px;
}

.payoff-chart-legend .debt { background: #ff8b62; }
.payoff-chart-legend .investment { background: #6d96ff; }

.payoff-chart {
    display: block;
    width: 100%;
    height: auto;
}

.payoff-grid-lines line {
    stroke: rgba(255,255,255,.1);
    stroke-width: 1;
}

.payoff-grid-lines text {
    fill: rgba(255,255,255,.35);
    font-size: 10px;
}

.payoff-chart-debt,
.payoff-chart-investment {
    fill: none;
    stroke-width: 4;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.payoff-chart-debt { stroke: #ff8b62; }
.payoff-chart-investment { stroke: #6d96ff; }

.payoff-chart-point line {
    stroke: rgba(255,255,255,.25);
    stroke-dasharray: 5 5;
}

.payoff-chart-point circle {
    fill: #fff;
    stroke: #2f63ff;
    stroke-width: 4;
}

.payoff-chart-point text {
    fill: #fff;
    font-size: 11px;
    font-weight: 800;
}

.payoff-mortgage-start line {
    stroke: rgba(255,255,255,.34);
    stroke-dasharray: 4 5;
}

.payoff-mortgage-start text {
    fill: rgba(255,255,255,.65);
    font-size: 9px;
    font-weight: 750;
}

.payoff-disclaimer {
    margin: 12px 4px 0;
    color: rgba(255,255,255,.35);
    font-size: 8px;
    line-height: 1.55;
}

.closing-section {
    padding: 40px 0;
    background: var(--white);
}

@media (max-width: 980px) {
    .payoff-heading,
    .payoff-calculator {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .payoff-heading > p {
        max-width: 650px;
    }
}

@media (max-width: 720px) {
    .payoff-calculator {
        margin-top: 38px;
    }

    .payoff-controls,
    .payoff-results {
        padding: 18px;
        border-radius: 20px;
    }

    .payoff-input-row,
    .payoff-comparison {
        grid-template-columns: 1fr;
    }

    .payoff-comparison article {
        min-height: 0;
    }

    .payoff-benefits {
        grid-template-columns: 1fr;
    }

    .payoff-crossover > strong {
        font-size: 27px;
    }

    .payoff-chart-wrap {
        padding-inline: 6px;
    }

    .payoff-chart-legend {
        flex-direction: column;
        gap: 6px;
    }
}

.closing-card {
    position: relative;
    padding: 80px;
    border-radius: 30px;
    color: var(--white);
    background:
        linear-gradient(120deg, rgba(47,99,255,.94), rgba(35,75,209,.96)),
        var(--blue);
    overflow: hidden;
}

.closing-card::after {
    content: "→";
    position: absolute;
    right: 35px;
    bottom: -110px;
    color: rgba(255,255,255,.08);
    font-size: 360px;
    line-height: 1;
    font-weight: 900;
}

.closing-card p {
    margin: 0 0 16px;
    color: rgba(255,255,255,.65);
    font-size: 13px;
    font-weight: 800;
    text-transform: uppercase;
}

.closing-card h2 {
    position: relative;
    z-index: 2;
    max-width: 750px;
    margin-bottom: 34px;
    font-size: clamp(42px, 5vw, 68px);
}

.closing-card .button {
    position: relative;
    z-index: 2;
}

.site-footer {
    padding: 50px 0 24px;
    color: var(--white);
    background: var(--navy);
}

.footer-top,
.footer-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
}

.footer-top {
    padding-bottom: 40px;
    border-bottom: 1px solid rgba(255,255,255,.1);
}

.footer-top p,
.footer-bottom {
    color: rgba(255,255,255,.48);
}

.footer-bottom {
    padding-top: 24px;
    font-size: 12px;
}

.footer-bottom p {
    margin: 0;
}

.footer-bottom div {
    display: flex;
    gap: 22px;
}

.footer-bottom a {
    text-underline-offset: 4px;
}

@media (max-width: 980px) {
    .main-navigation {
        gap: 18px;
    }

    .main-navigation > a:not(.button) {
        display: none;
    }

    .hero {
        padding-top: 150px;
    }

    .hero-grid {
        grid-template-columns: 1fr;
        gap: 52px;
    }

    .hero-copy {
        max-width: 760px;
    }

    .hero-panel {
        max-width: 680px;
    }

    .split-heading,
    .bank-heading,
    .advisors-heading,
    .calculator-grid,
    .property-calculator,
    .conversion-grid,
    .faq-grid {
        grid-template-columns: 1fr;
        gap: 52px;
    }

    .conversion-copy,
    .faq-heading {
        position: static;
    }

    .process-grid {
        grid-template-columns: 1fr 1fr;
    }

    .process-grid article {
        min-height: 250px;
    }

    .process-grid::before {
        display: none;
    }
}

@media (max-width: 720px) {
    .liability-head {
        display: none;
    }

    .liability-row {
        grid-template-columns: 1fr;
    }

    .container {
        width: min(calc(100% - 28px), var(--container));
    }

    .site-header {
        position: absolute;
    }

    .nav {
        min-height: 72px;
    }

    .nav-toggle {
        display: grid;
        width: 42px;
        height: 42px;
        padding: 11px;
        place-content: center;
        gap: 6px;
        border: 1px solid rgba(255,255,255,.18);
        border-radius: 10px;
        color: var(--white);
        background: rgba(255,255,255,.07);
    }

    .nav-toggle span:not(.sr-only) {
        display: block;
        width: 18px;
        height: 2px;
        background: currentColor;
    }

    .main-navigation {
        position: fixed;
        inset: 72px 14px auto;
        display: none;
        padding: 20px;
        align-items: stretch;
        flex-direction: column;
        border: 1px solid rgba(255,255,255,.12);
        border-radius: 18px;
        background: var(--navy);
        box-shadow: var(--shadow);
    }

    .main-navigation.open {
        display: flex;
    }

    .main-navigation > a:not(.button) {
        display: block;
        padding: 9px;
    }

    .hero {
        min-height: auto;
        padding: 126px 0 28px;
    }

    .hero h1 {
        font-size: clamp(42px, 13.4vw, 62px);
    }

    .hero-lead {
        font-size: 17px;
    }

    .hero-actions {
        align-items: stretch;
        flex-direction: column;
        gap: 18px;
    }

    .hero-actions .text-link {
        justify-content: center;
    }

    .hero-points {
        display: grid;
        gap: 8px;
    }

    .hero-panel {
        padding: 16px;
        border-radius: 20px;
    }

    .panel-topline {
        align-items: flex-start;
        flex-direction: column;
    }

    .journey-card {
        grid-template-columns: 28px 1fr;
    }

    .journey-state {
        display: none;
    }

    .trust-strip {
        align-items: center;
        flex-direction: column;
        margin-top: 42px;
    }

    .section {
        padding: 82px 0;
    }

    .section h2 {
        font-size: clamp(37px, 11vw, 50px);
    }

    .benefit-grid,
    .advisor-grid,
    .service-grid,
    .process-grid {
        grid-template-columns: 1fr;
    }

    .process-grid {
        gap: 12px;
        margin-top: 42px;
    }

    .process-grid article {
        min-height: 0;
        padding: 22px 22px 25px 82px;
    }

    .process-grid span {
        position: absolute;
        top: 24px;
        left: 22px;
        margin-inline: 0;
        width: 38px;
        height: 38px;
        box-shadow: 0 0 0 6px var(--navy), 0 0 22px rgba(47,99,255,.3);
    }

    .process-grid article > small {
        margin-top: 0;
    }

    .bank-logo-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 8px;
        margin-top: 46px;
    }

    .calculator-grid {
        gap: 46px;
    }

    .bank-logo-grid > div {
        min-height: 94px;
        padding: 14px;
    }

    .mortgage-calculator {
        padding: 27px 20px;
        border-radius: 22px;
    }

    .affordability-calculator {
        padding: 24px 19px;
        border-radius: 22px;
    }

    .affordability-bank {
        align-items: flex-start;
        flex-direction: column;
        gap: 5px;
    }

    .affordability-bank strong {
        text-align: left;
    }

    .affordability-inputs,
    .affordability-result > div:not(.affordability-warning) {
        grid-template-columns: 1fr;
    }

    .money-input small {
        min-height: 0;
    }

    .affordability-result {
        padding: 22px 18px;
    }

    .property-calculator {
        gap: 36px;
        margin-top: 48px;
        padding: 26px 18px 18px;
        border-radius: 22px;
    }

    .calculator-results {
        grid-template-columns: 1fr;
    }

    .calculator-result-main,
    .calculator-result-stress {
        min-height: 124px;
    }

    .advisor-card {
        grid-template-columns: 76px 1fr;
        gap: 20px;
        min-height: 0;
        padding: 24px;
    }

    .advisor-monogram {
        width: 76px;
        height: 76px;
        border-radius: 19px;
        font-size: 24px;
    }

    .advisor-meta h3 {
        font-size: 26px;
    }

    .advisor-meta p {
        grid-column: 1 / -1;
    }

    .advisor-card > .text-link {
        grid-column: 1 / -1;
        margin-top: 10px;
    }

    .locality-strip {
        align-items: flex-start;
        flex-direction: column;
        padding: 26px 22px;
    }

    .locality-strip ul {
        justify-content: flex-start;
    }

    .benefit-grid {
        margin-top: 46px;
    }

    .benefit-card {
        min-height: 0;
    }

    .benefit-card h3 {
        margin-top: 76px;
    }

    .process-grid article {
        min-height: 235px;
    }

    .process-grid h3 {
        margin-top: 55px;
    }

    .service-card {
        padding: 30px 24px;
    }

    .service-badge {
        position: static;
        display: inline-block;
        margin-bottom: 22px;
    }

    .service-description {
        min-height: 0;
    }

    .secondary-service {
        align-items: flex-start;
        flex-direction: column;
        padding: 26px 24px;
    }

    .lead-form {
        min-height: 0;
        padding: 26px 18px;
        border-radius: 20px;
    }

    .field-grid {
        grid-template-columns: 1fr;
    }

    .field-full {
        grid-column: auto;
    }

    .form-buttons {
        align-items: stretch;
        flex-direction: column-reverse;
    }

    .form-buttons .button {
        width: 100%;
    }

    .form-back {
        min-height: 42px;
    }

    .closing-card {
        padding: 54px 26px;
        border-radius: 22px;
    }

    .closing-card::after {
        right: -30px;
        font-size: 250px;
    }

    .footer-top,
    .footer-bottom {
        align-items: flex-start;
        flex-direction: column;
    }
}

@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }

    *,
    *::before,
    *::after {
        transition-duration: .01ms !important;
        animation-duration: .01ms !important;
        animation-iteration-count: 1 !important;
    }
}