@import url('/assets/modern.css');
@layer foundation {
@font-face{font-family:Condensed;src:url('/assets/brand.woff2') format('woff2');font-display:swap;font-weight:400}
:root{--ink:#142d42;--muted:#526572;--blue:#1753dc;--blue-dark:#123f9e;--lime:#d4ef62;--line:#dbe2e7;--paper:#f4f7fa;--white:#fff;--green:#216247;--amber:#855b17;--radius:12px;--max:1200px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;color:var(--ink);background:#fff;font-family:Arial,Helvetica,sans-serif;font-size:1rem;line-height:1.65;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration-thickness:1px;text-underline-offset:4px}a:hover{color:var(--blue)}button,input,select,textarea{font:inherit}button,a,input,select,summary{touch-action:manipulation}button{cursor:pointer}button:disabled{cursor:not-allowed}button,input,select{border-radius:6px}button:focus-visible,a:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,[tabindex]:focus-visible{outline:3px solid var(--blue);outline-offset:4px}input,select{min-height:48px}p,h1,h2,h3,h4{margin-top:0}h1,h2,h3,h4{line-height:1.12;letter-spacing:-.035em}h1{font-size:clamp(2.6rem,4.5vw,4.4rem);font-weight:750}h2{font-size:clamp(2rem,3vw,2.8rem)}h3{font-size:1.5rem}p{margin-bottom:1.1rem}.wrap{max-width:var(--max);margin:0 auto;padding:0 30px}.icon{display:inline-block;flex-shrink:0;vertical-align:middle}.eyebrow{font-size:.75rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;line-height:1.5}.skip-link{position:fixed;top:-100px;left:20px;background:var(--ink);color:white;padding:12px 20px;z-index:30}.skip-link:focus{top:10px}main:focus{outline:none}.site-header{border-bottom:1px solid var(--line);background:#fff}.header-inner{max-width:var(--max);padding:23px 30px;margin:auto;display:flex;justify-content:space-between;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;font-family:Condensed,'Arial Narrow',sans-serif;font-size:1.65rem;letter-spacing:.025em;line-height:1}.brand-break{display:block}.brand-symbol{height:47px;width:47px;background:var(--ink);color:white;display:flex;align-items:center;justify-content:center;font-size:2.2rem;gap:2px;border-radius:4px}.brand-symbol span{font-size:.9rem;color:var(--lime);align-self:flex-end;margin-bottom:9px}.desktop-nav{display:flex;gap:32px;align-items:center}.desktop-nav a{text-decoration:none;font-size:.9rem;font-weight:600;padding:8px 0}.desktop-nav a[aria-current]{color:var(--blue);box-shadow:0 2px var(--blue)}.mobile-menu{display:none}.home-hero{display:grid;grid-template-columns:1.1fr 1fr;gap:70px;align-items:center;padding-top:62px;padding-bottom:64px}.hero-copy .eyebrow{display:flex;align-items:center;gap:10px}.rule{height:2px;width:22px;background:var(--blue)}.hero-copy h1{font-size:clamp(3.2rem,5.3vw,4.8rem);letter-spacing:-.065em;line-height:1.025;margin:24px 0}.hero-copy h1 em{font-style:normal;color:var(--blue)}.hero-deck{max-width:440px;color:var(--muted);font-size:1.1rem;line-height:1.7}.hero-actions{display:flex;align-items:flex-start;gap:18px;flex-direction:column;margin:28px 0 22px}.button{display:inline-flex;align-items:center;justify-content:center;gap:18px;padding:14px 22px;border:1px solid transparent;text-decoration:none;font-weight:700;font-size:.93rem;min-height:50px;border-radius:6px;line-height:1.45;transition:background .15s,transform .15s}.button-primary{background:var(--blue);color:#fff}.button-primary:hover{background:var(--blue-dark);color:#fff}.button-secondary{background:#fff;border-color:var(--line);color:var(--ink)}.button-secondary:hover{border-color:var(--ink);background:var(--paper)}.text-link{font-size:.9rem;font-weight:600;display:inline-flex;gap:14px;align-items:center}.quiet-note{display:flex;align-items:center;gap:8px;font-size:.79rem;color:var(--muted)}.quiet-note .icon{width:17px;height:17px}.quote-preview{border:1px solid #cfdae2;border-radius:14px;background:#fff;box-shadow:0 18px 50px #142d4210;padding:28px;position:relative}.quote-preview:before{content:'';height:7px;position:absolute;top:0;left:0;right:0;border-radius:14px 14px 0 0;background:var(--ink)}.quote-preview-top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin:6px 0 24px}.small-tag{font-size:.625rem;letter-spacing:.05em;padding:4px 6px;background:var(--paper);border:1px solid var(--line);border-radius:3px;white-space:nowrap}.quote-topline{border-bottom:1px solid var(--line);padding-bottom:23px;display:flex;flex-direction:column;gap:5px}.quote-topline>span{font-size:.9rem;color:var(--muted)}.quote-topline strong{font-size:2.8rem;line-height:1.2;letter-spacing:-.045em;font-variant-numeric:tabular-nums}.quote-topline strong span{font-size:1.5rem;color:var(--muted);font-weight:400}.quote-row{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:15px 0;border-bottom:1px solid var(--line);font-size:.91rem}.quote-row small{display:block;color:var(--muted);font-size:.76rem;margin-top:1px}.included-tag{background:#eaf5ee;color:var(--green);padding:4px 8px;border-radius:4px;font-size:.73rem;font-weight:600;white-space:nowrap}.included-tag .icon{height:14px;width:14px;margin-right:3px}.quote-total{display:flex;justify-content:space-between;gap:14px;align-items:center;padding:22px 0 19px;font-size:.87rem}.quote-total strong{font-size:1.75rem;letter-spacing:-.045em}.quote-insight{display:flex;gap:10px;padding:13px;background:#f1f7d9;border-radius:6px;font-size:.78rem;line-height:1.65}.quote-insight .icon{width:17px;height:17px;margin-top:4px}.quote-insight p{margin:0}.quote-foot{color:var(--muted);font-size:.71rem;line-height:1.5;margin:12px 0 0}.principles-bar{background:var(--ink);color:white}.principles-bar .wrap{display:flex;justify-content:space-between;gap:25px;padding-top:20px;padding-bottom:20px}.principles-bar span{display:flex;align-items:center;gap:10px;font-size:.83rem}.principles-bar .icon{height:19px;width:19px;color:var(--lime)}.home-start{padding-top:72px;padding-bottom:68px}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:28px}.section-heading .eyebrow{color:var(--muted);margin-bottom:10px}.section-heading h2{margin:0}.section-heading>p,.section-note{color:var(--muted);font-size:.87rem;margin:0}.task-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.task-card{display:flex;flex-direction:column;border:1px solid var(--line);padding:25px;text-decoration:none;border-radius:10px;transition:border-color .2s,background .2s}.task-card:hover{border-color:var(--blue);color:var(--ink);background:#fafcff}.task-card>.icon{margin:22px 0 20px;height:30px;width:30px;color:var(--blue)}.step-index{font-size:.7rem;letter-spacing:.1em;color:var(--muted);font-weight:700}.task-card h3{margin-bottom:14px;font-size:1.65rem}.task-card p{color:var(--muted);font-size:.94rem}.card-link{display:flex;align-items:center;justify-content:space-between;gap:20px;font-size:.87rem;font-weight:700;margin-top:auto;padding-top:12px}.card-link .icon{height:19px;width:19px}.guides-section{padding-bottom:76px}.guide-mosaic{display:grid;grid-template-columns:1.1fr 1fr;gap:22px}.feature-guide{padding:34px;background:#edf3fb;border:1px solid #d9e5f3;text-decoration:none;border-radius:10px;display:flex;flex-direction:column}.feature-guide>.eyebrow{color:var(--blue)}.feature-guide h3{font-size:2.4rem;max-width:360px;margin:22px 0 16px}.feature-guide p{max-width:400px;color:var(--muted);font-size:.93rem}.feature-guide:hover{color:var(--ink);border-color:var(--blue)}.comparison-numbers{display:flex;align-items:center;justify-content:space-between;gap:14px;margin:26px 0 9px;padding:22px 0;border-top:1px solid #cddcea;border-bottom:1px solid #cddcea}.comparison-numbers small{display:block;font-size:.75rem;color:var(--muted);margin-bottom:3px}.comparison-numbers strong{font-size:1.7rem;letter-spacing:-.04em}.comparison-numbers>span{font-size:2rem;color:var(--blue)}.example-note{font-size:.7rem;color:var(--muted);line-height:1.5;margin-bottom:16px}.lender-guides{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:10px}.lender-guide{padding:29px 30px;flex:1;text-decoration:none}.lender-guide:first-child{border-bottom:1px solid var(--line)}.lender-guide h3{font-size:1.55rem;max-width:350px;margin:12px 0}.lender-guide p{font-size:.9rem;color:var(--muted)}.lender-guide .eyebrow{color:var(--muted)}.method-strip{background:var(--paper);padding:48px 0}.method-inner{display:grid;grid-template-columns:1fr 1.5fr;gap:0 55px}.method-inner>.eyebrow{grid-column:1/-1;color:var(--muted);margin-bottom:18px}.method-inner h2{font-size:2rem;margin:0}.method-inner p{font-size:.94rem;color:var(--muted)}.site-footer{background:var(--ink);color:white;padding:49px 30px 25px}.footer-top,.footer-bottom{max-width:1140px;margin:auto;display:grid;grid-template-columns:1.7fr 1fr 1fr;gap:35px}.footer-wordmark{font-family:Condensed,sans-serif;font-size:1.8rem;letter-spacing:.02em;text-decoration:none}.footer-wordmark span{color:var(--lime)}.footer-top p{font-size:.86rem;color:#c3d0d9;line-height:1.6;margin-top:15px}.footer-top nav{display:flex;flex-direction:column;align-items:flex-start;gap:8px}.footer-top nav .eyebrow{font-size:.7rem;margin:4px 0 10px;color:#aabdc9}.footer-top nav a{font-size:.83rem;text-decoration:none;color:#fff}.site-footer a:hover{color:var(--lime)}.footer-bottom{display:flex;justify-content:space-between;border-top:1px solid #3d5061;padding-top:24px;margin-top:36px;align-items:center}.footer-bottom p{font-size:.73rem;color:#bdcbd5;line-height:1.65;margin:0}.footer-bottom>div{display:flex;gap:22px;font-size:.77rem}
@media(max-width:950px){.home-hero{gap:30px}.hero-copy .eyebrow{font-size:.65rem}.quote-preview{padding:24px}.quote-preview-top{flex-wrap:wrap;gap:5px}.task-card{padding:20px}.desktop-nav{gap:22px}.comparison-numbers strong{font-size:1.5rem}}
@media(max-width:700px){.wrap{padding-left:22px;padding-right:22px}.header-inner{padding:16px 22px}.brand{font-size:1.3rem;gap:9px}.brand-symbol{height:39px;width:39px;font-size:1.8rem}.brand-symbol span{margin-bottom:7px;font-size:.75rem}.desktop-nav{display:none}.mobile-menu{display:block;position:relative}.mobile-menu summary{display:flex;align-items:center;gap:16px;list-style:none;padding:9px 0 9px 12px;font-size:.9rem;font-weight:700;cursor:pointer}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-menu summary span{font-size:1.3rem}.mobile-menu[open] summary span{transform:rotate(45deg)}.mobile-menu nav{position:absolute;right:0;top:48px;width:245px;padding:12px;background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:0 15px 40px #142d4220;z-index:20}.mobile-menu nav a{display:block;padding:12px;text-decoration:none}.mobile-menu nav a[aria-current]{color:var(--blue);background:var(--paper)}.home-hero{grid-template-columns:1fr;padding-top:35px;padding-bottom:38px;gap:30px}.hero-copy h1{font-size:3.5rem;margin-top:18px}.hero-deck{font-size:1rem;max-width:430px}.hero-copy .eyebrow{font-size:.63rem}.hero-actions{margin:23px 0 18px;gap:15px}.quiet-note{font-size:.73rem;align-items:flex-start}.quote-preview{max-width:520px;width:100%;padding:23px}.quote-preview-top{flex-direction:row}.quote-topline strong{font-size:2.5rem}.principles-bar .wrap{flex-wrap:wrap;justify-content:center;gap:14px;padding:18px 22px}.principles-bar span{font-size:.68rem}.principles-bar .icon{width:16px;height:16px}.home-start{padding-top:44px;padding-bottom:42px}.section-heading{align-items:start;flex-direction:column;gap:13px}.section-heading h2{font-size:2rem}.section-heading .eyebrow{font-size:.65rem}.task-grid{grid-template-columns:1fr;gap:14px}.task-card{padding:22px;position:relative}.task-card>.icon{position:absolute;right:23px;top:22px;margin:0;width:24px;height:24px}.task-card h3{margin:25px 0 10px;font-size:1.6rem}.task-card p{max-width:450px;margin-bottom:4px}.card-link{padding-top:14px}.guide-mosaic{grid-template-columns:1fr;gap:18px}.feature-guide{padding:25px}.feature-guide h3{font-size:2rem;max-width:360px}.lender-guide{padding:24px}.guides-section{padding-bottom:45px}.method-inner{grid-template-columns:1fr;gap:18px}.method-inner>.eyebrow{margin:0}.method-inner h2{font-size:1.8rem}.method-strip{padding:32px 0}.site-footer{padding:35px 22px 25px}.footer-top{grid-template-columns:1fr 1fr;gap:25px}.footer-top>div{grid-column:1/-1}.footer-top>div p{margin:9px 0 0}.footer-bottom{flex-direction:column;align-items:flex-start;gap:20px;margin-top:25px}.footer-top nav a{padding:3px 0}.footer-wordmark{font-size:1.65rem}}
.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}[hidden]{display:none!important}.breadcrumbs{display:flex;gap:12px;flex-wrap:wrap;align-items:center;color:var(--muted);font-size:.76rem;margin:24px 0 34px}.breadcrumbs a{text-decoration:none}.breadcrumbs span:last-child{color:var(--ink)}.tool-heading{padding-bottom:30px}.tool-heading h1{font-size:clamp(2.45rem,4vw,3.5rem);margin:14px 0 15px}.tool-heading>.eyebrow{color:var(--blue);margin:0}.tool-heading>p:not(.eyebrow){color:var(--muted);font-size:1.07rem;margin-bottom:20px}.tool-meta{display:flex;flex-wrap:wrap;gap:10px 25px;font-size:.75rem;color:var(--muted)}.tool-meta>span{display:flex;align-items:center;gap:7px}.tool-meta .icon{width:16px;height:16px}.calculator-shell{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,.85fr);gap:32px;padding-bottom:60px;align-items:start}.calculator-main{border:1px solid var(--line);border-radius:12px;overflow:hidden;background:#fff}.tool-topbar{display:flex;justify-content:space-between;gap:16px;align-items:center;background:var(--paper);padding:18px 25px;border-bottom:1px solid var(--line)}.tool-topbar .eyebrow{font-size:.65rem}.text-button{display:inline-flex;gap:10px;align-items:center;background:none;border:none;padding:6px 0;color:var(--blue);font-size:.85rem;font-weight:700;text-decoration:underline;text-underline-offset:4px}.text-button .icon{width:17px;height:17px}.sample-banner{font-size:.83rem;background:#f1f7d9;padding:14px 25px;border-bottom:1px solid #d9e5b4}.calc-step{padding:27px;border-bottom:1px solid var(--line)}.calc-step:last-child{border:0}.calc-step-heading{display:flex;gap:14px;align-items:start;margin-bottom:20px}.calc-step-heading>span{display:flex;align-items:center;justify-content:center;width:31px;height:31px;background:#e8eef8;color:var(--blue);border-radius:50%;font-size:.87rem;font-weight:700;flex-shrink:0}.calc-step-heading h2{font-size:1.32rem;letter-spacing:-.035em;margin:2px 0 6px}.calc-step-heading p{font-size:.84rem;color:var(--muted);margin:0}.choice-group{border:none;padding:0;margin:0;display:grid;gap:10px}.choice{display:flex;align-items:start;gap:10px;padding:14px;border:1px solid var(--line);border-radius:7px;cursor:pointer}.choice:has(input:checked){border-color:var(--blue);background:#f2f6fe}.choice input{margin:5px 0 0;width:17px;height:17px;min-height:auto;accent-color:var(--blue);flex-shrink:0}.choice strong{display:block;font-size:.86rem}.choice small{display:block;color:var(--muted);font-size:.76rem;line-height:1.5;margin-top:2px}.mode-note{font-size:.75rem;color:var(--muted);line-height:1.6;margin:12px 0 23px}.field{margin:0 0 17px;min-width:0}.field>label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px}.input-affix{position:relative}.input-affix>span{position:absolute;left:13px;top:50%;transform:translateY(-50%);font-size:.86rem;color:var(--muted)}input[type=text],input[type=date],select{width:100%;min-width:0;border:1px solid #bccad5;background:#fff;color:var(--ink);padding:10px 12px;line-height:1.4;font-size:1rem}.input-affix input{padding-left:40px;font-variant-numeric:tabular-nums}.field-help{font-size:.75rem;line-height:1.6;color:var(--muted);margin:6px 0 0}.optional-fields{border-top:1px solid var(--line);margin-top:20px;padding-top:12px}.optional-fields summary{display:flex;align-items:center;justify-content:space-between;gap:15px;cursor:pointer;font-size:.85rem;font-weight:600;min-height:34px;list-style:none}.optional-fields summary:before{content:'+';font-size:1.2rem;color:var(--blue)}.optional-fields[open] summary:before{content:'−'}.optional-fields summary span{font-size:.71rem;color:var(--muted);font-weight:400;margin-left:auto}.optional-fields[open] summary{margin-bottom:16px}.fields-two{display:grid;grid-template-columns:1fr 1fr;gap:0 17px}.charge-entry{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);gap:10px 15px;align-items:center;padding:15px 0;border-bottom:1px solid var(--line)}.charge-entry>label{font-size:.88rem;font-weight:600}.charge-entry select{font-size:.8rem;padding:11px 8px;min-height:46px}.charge-amount{grid-column:2}.amount-label{display:block;font-size:.72rem;line-height:1.5;margin-bottom:5px;color:var(--muted)}.memo-label{display:block;font-size:.7rem;color:var(--green)}.charge-help{margin-top:15px}.payment-choice{display:flex;gap:8px;margin:0 0 20px;padding:0;border:0}.payment-choice label{position:relative;flex:1}.payment-choice label input{position:absolute;left:14px;top:18px;min-height:0;margin:0;accent-color:var(--blue)}.payment-choice span{display:flex;align-items:center;border:1px solid var(--line);border-radius:7px;font-size:.82rem;padding:13px 10px 13px 38px;min-height:48px;font-weight:600}.payment-choice input:checked+span{background:#eff4ff;border-color:var(--blue);color:var(--blue)}.form-actions{display:flex;align-items:center;gap:25px;margin-top:24px}.form-actions .button{font-size:.86rem;padding:13px 17px;gap:12px}.form-errors{margin-top:20px;border:1px solid #e0b6b6;background:#fff5f5;border-radius:7px;padding:16px;color:#8b2525;font-size:.85rem}.form-errors ul{padding-left:20px;margin-bottom:0}.form-errors li+li{margin-top:7px}[aria-invalid=true]{border-color:#a63737!important}.result-column{position:sticky;top:24px}.result-panel{padding:28px;background:var(--ink);color:white;border-radius:12px}.result-panel>.eyebrow{color:var(--lime);font-size:.69rem;margin:0 0 17px}.result-panel h2{font-size:1.75rem;line-height:1.13;margin:0 0 23px}.result-empty{border:1px dashed #5d7181;border-radius:8px;padding:24px 18px;margin:15px 0 25px;color:#cfdae2;font-size:.9rem}.result-empty>.icon{height:30px;width:30px;color:var(--lime);margin:0 0 16px}.result-empty p{margin-bottom:14px}.result-empty .text-button{color:#deef9a;font-size:.8rem}.result-disclaimer{font-size:.7rem;color:#bdcdd8;line-height:1.65;border-top:1px solid #476071;padding-top:16px;margin:20px 0 0}.result-label{font-size:.64rem;letter-spacing:.07em;color:#d1dee8}.result-big{font-size:clamp(2rem,3vw,3rem);font-weight:700;letter-spacing:-.045em;line-height:1.2;margin:8px 0 7px;overflow-wrap:anywhere;font-variant-numeric:tabular-nums}.result-small{font-size:.73rem;color:#c0d0dd;line-height:1.55;margin-bottom:24px}.result-line{display:flex;align-items:baseline;justify-content:space-between;gap:15px;border-bottom:1px solid #3c5365;padding:11px 0;font-size:.79rem;line-height:1.55}.result-line strong{white-space:nowrap;font-variant-numeric:tabular-nums}.result-included{color:#d4ef9e;font-size:.7rem;white-space:nowrap}.grand-total{border:0;color:var(--lime);font-weight:700;padding-top:16px}.grand-total strong{font-size:1.05rem}.finance-results{margin-top:23px}.finance-results>.eyebrow{color:var(--lime);font-size:.67rem}.monthly-line 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