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(max-width:760px){.tabs{grid-template-columns:minmax(0,1fr)}}.cat{position:relative;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--radius) - 6px);padding:22px;display:flex;flex-direction:column;gap:8px}.cat .pill{align-self:flex-start;font-size:11.5px;font-weight:600;letter-spacing:.04em;color:var(--accent);background:var(--accent-soft);border-radius:99px;padding:4px 10px}.cat p{color:var(--muted);font-size:15px}.cat a{color:var(--text);text-decoration:none}.cat a::after{content:"";position:absolute;inset:0}.cat:hover{border-color:var(--ink)}.catlist{display:grid;gap:10px}.cat-l{display:flex;flex-direction:column;gap:8px;align-items:flex-start}.catlist .cat{display:grid;grid-template-columns:260px minmax(0,1fr);align-items:center;gap:24px}.cat .pill{white-space:nowrap}@media (max-width:760px){.catlist .cat{grid-template-columns:minmax(0,1fr);gap:10px}}.duo{display:grid;grid-template-columns:minmax(0,1fr);gap:var(--gutter)}.elig{display:grid;grid-template-columns:40% minmax(0,1fr);padding:0;overflow:hidden;align-items:center}.elig-body .checks{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:22px}@media (max-width:760px){.elig-body .checks{grid-template-columns:minmax(0,1fr)}}.elig .elig-img{width:100%;height:auto;aspect-ratio:3/4}.elig-body{padding:clamp(1.4rem,3vw,2.2rem)}.checks{list-style:none;margin:16px 0;padding:0;display:grid;gap:8px}.checks label{display:flex;gap:10px;align-items:flex-start;font-size:14.5px;cursor:pointer;min-height:28px}.checks input{width:18px;height:18px;margin-top:3px;accent-color:var(--accent);flex:none}.count{font-size:13px;font-weight:600;color:var(--ink)}.count .bar{margin-top:6px}@media (max-width:640px){.elig{grid-template-columns:minmax(0,1fr)}.elig .elig-img{max-width:420px;margin:0 auto}}.est{position:relative;overflow:hidden;padding:0;min-height:520px;display:flex;justify-content:flex-end;align-items:stretch}.est-bg{position:absolute;top:0;right:0;height:100%;width:auto;max-width:none;aspect-ratio:16/9}.est::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,var(--panel) 0,var(--panel) 30%,rgba(248,250,252,0) 60%)}.est-text{position:absolute;z-index:2;left:0;top:0;width:40%;padding:clamp(1.4rem,3vw,2.2rem)}.calc{position:relative;z-index:2;width:min(360px,58%);margin:18px;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--radius) - 6px);padding:20px;display:grid;gap:14px;align-content:start}@media (max-width:1200px){.est{display:block;min-height:0}.est-bg,.est::before{display:none}.est-text{position:static;width:auto}.calc{width:auto;margin:0 clamp(1.4rem,3vw,2.2rem) clamp(1.4rem,3vw,2.2rem)}}.field label{display:flex;justify-content:space-between;font-size:13.5px;font-weight:600;margin-bottom:6px}.field output{color:var(--ink);font-variant-numeric:tabular-nums}.field input[type=range]{width:100%;accent-color:var(--ink);min-height:30px}.field select,.field input[type=number]{width:100%;min-height:44px;border:1px solid var(--line-strong);border-radius:8px;padding:0 12px;font:15px var(--sans);background:var(--card);color:var(--text)}.result{background:var(--bg);border-radius:8px;padding:14px}.result .big{font-size:28px;font-weight:600;color:var(--ink);font-variant-numeric:tabular-nums}.result small{display:block;color:var(--muted);font-size:12.5px;margin-top:4px}.rsum{display:flex;flex-wrap:wrap;align-items:center;gap:16px 22px;margin-bottom:22px}.rsum .score{font-size:46px;font-weight:600;letter-spacing:-.03em;line-height:1;color:var(--text)}.rsum .stars svg{width:22px;height:22px}.rsum p{color:var(--muted);font-size:14.5px}.rv{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--radius) - 6px);padding:20px;display:flex;flex-direction:column;gap:10px}.rv-top{display:flex;gap:12px;align-items:center}.initials{width:40px;height:40px;border-radius:50%;background:var(--accent-soft);color:var(--accent);display:flex;align-items:center;justify-content:center;font-weight:600;font-size:14px;flex:none}.rv-top b{display:block;font-size:15px}.rv-top span{font-size:13px;color:var(--muted)}.rv h3{font-size:16px}.rv p{color:#2B3A4B;font-size:15px}.rv .tag{margin-top:auto;font-size:12.5px;color:var(--muted);border-top:1px solid var(--line);padding-top:10px}.dots{letter-spacing:2px;color:var(--accent);white-space:nowrap}.dots .off{color:var(--line-strong)}.dark-card{background:var(--ink);color:#fff;border-radius:calc(var(--radius) - 6px);padding:24px}.dark-card h3,.dark-card p{color:#fff}.dark-card p{opacity:.92;font-size:15px;margin-top:10px}.dark-card .big{font-size:34px;font-weight:600;letter-spacing:-.02em;margin-top:8px;font-variant-numeric:tabular-nums}.nap-wrap{position:relative;overflow:hidden;padding:0;min-height:420px}.nap-bg{position:absolute;top:0;right:0;height:100%;width:auto;max-width:none;aspect-ratio:16/9}.nap-wrap::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,var(--panel) 0,var(--panel) 38%,rgba(248,250,252,.2) 70%)}.nap-grid{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,420px);gap:28px;padding:clamp(1.4rem,4vw,2.9rem);align-items:center}.nap{background:var(--ink);color:#fff;border-radius:calc(var(--radius) - 6px);padding:26px}.nap b{display:block;font-size:18px;margin-bottom:10px}.nap address{font-style:normal;line-height:1.75;font-size:15px}.nap a{color:#fff}.nap .note{margin-top:12px;font-size:13px;color:#C9D7E8}.reviewed{margin-top:18px;display:inline-flex;gap:10px;align-items:center;background:var(--card);border:1px solid var(--line);border-radius:999px;padding:8px 14px;font-size:13.5px;color:var(--muted)}@media (max-width:1200px){.nap-bg,.nap-wrap::before{display:none}.nap-grid{grid-template-columns:minmax(0,1fr)}}.faq-split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,46%);gap:28px;align-items:start}.faq-img{width:100%;height:auto;aspect-ratio:4/3;border-radius:calc(var(--radius) - 6px)}details{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--radius) - 6px);padding:0 18px}details+details{margin-top:10px}summary{cursor:pointer;list-style:none;min-height:52px;display:flex;align-items:center;justify-content:space-between;gap:12px;font-weight:600;font-size:15.5px;padding:12px 0}summary::-webkit-details-marker{display:none}summary::after{content:"+";font-size:20px;color:var(--ink);font-weight:400}details[open] summary::after{content:"−"}details p{padding:0 0 16px;color:var(--muted);font-size:15px}@media (max-width:1020px){.faq-split{grid-template-columns:minmax(0,1fr)}.faq-img{max-width:720px}}.qa+.qa{margin-top:18px;padding-top:18px;border-top:1px solid var(--line)}.qa h3{font-size:16.5px}.qa p{margin-top:8px;color:#2B3A4B}.related{list-style:none;margin:0;padding:0;display:grid;gap:8px}.related a{display:flex;justify-content:space-between;gap:12px;min-height:48px;align-items:center;padding:10px 16px;border:1px solid var(--line);border-radius:8px;background:var(--card);text-decoration:none;color:var(--text);font-weight:500}.related a:hover{border-color:var(--ink);color:var(--ink)}.author{display:flex;gap:16px;align-items:flex-start;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--radius) - 6px);padding:20px}.author .initials{width:52px;height:52px;font-size:17px}.author b{display:block}.author span{font-size:13.5px;color:var(--muted)}.author p{font-size:14.5px;color:var(--muted);margin-top:6px}.share{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px}.share a,.share button{display:inline-flex;align-items:center;min-height:40px;padding:0 14px;border:1px solid var(--line-strong);border-radius:999px;background:var(--card);font:500 13.5px var(--sans);color:var(--text);text-decoration:none;cursor:pointer}.share a:hover,.share button:hover{border-color:var(--ink);color:var(--ink)}.byline{display:flex;align-items:center;gap:10px;margin-top:16px;font-size:14px;color:var(--muted)}.byline .initials{width:32px;height:32px;font-size:12px}.post{position:relative;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--radius) - 6px);overflow:hidden;display:flex;flex-direction:column}.post img{width:100%;height:auto;aspect-ratio:4/3}.post div{padding:16px 18px 20px;display:flex;flex-direction:column;gap:8px}.post .kicker{font-size:12px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--accent)}.post h3 a{color:var(--text);text-decoration:none}.post h3 a::after{content:"";position:absolute;inset:0}.post:hover{border-color:var(--ink)}.post p{font-size:14.5px;color:var(--muted)}.explore p.lbl{font-size:12px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 10px}.explore .chips{margin:0 0 22px}.explore .chips:last-child{margin-bottom:0}.form-card{position:relative;z-index:1;isolation:isolate;background:var(--card);border:1px solid var(--line-strong);border-radius:var(--radius);padding:0;overflow:hidden;max-width:var(--maxw);margin:0 auto;width:100%;box-shadow:0 18px 44px -28px rgba(21,33,47,.45)}.form-card::before{content:"";display:block;height:5px;background:var(--accent)}.form-head{padding:22px clamp(1.2rem,3vw,2.2rem) 4px}.form-head p.t{font-size:clamp(1.3rem,2.4vw,1.6rem);font-weight:500;letter-spacing:-.01em;margin-top:6px}.form-head p.s{color:var(--muted);font-size:14.5px;margin-top:6px}.form-embed{position:relative;z-index:1;isolation:isolate;padding:8px clamp(.8rem,3vw,2rem) clamp(1rem,3vw,1.8rem);min-height:320px}@media (max-width:640px){.form-card{border-radius:12px}}.cta-band{background:var(--ink);border-radius:var(--radius);padding:clamp(1.8rem,5vw,3.2rem);color:#fff;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px}.cta-band .eyebrow{color:#BCD2EC}.cta-band h2{color:#fff}.cta-band p{color:#D6E3F2;margin-top:8px;max-width:56ch}.btn-white{background:#fff;color:var(--ink)}.btn-white:hover{background:var(--accent-soft)}.footer{margin-bottom:24px}.foot-grid{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(3,minmax(0,1fr));gap:30px}.foot-grid p.h{font-size:12px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}.foot-grid ul{list-style:none;margin:0;padding:0;display:grid;gap:4px}.foot-grid ul a{display:inline-flex;align-items:center;min-height:36px;color:var(--text);text-decoration:none;font-size:14.5px}.foot-grid ul a:hover{color:var(--ink);text-decoration:underline}.foot-about p{color:var(--muted);font-size:14.5px;margin-top:12px}.foot-about address{font-style:normal;margin-top:14px;font-size:14.5px;line-height:1.75;color:var(--text)}.foot-about address a{color:var(--text)}.foot-legal{border-top:1px solid var(--line);margin-top:28px;padding-top:20px;display:grid;gap:10px}.foot-legal p{font-size:12.5px;color:var(--muted);line-height:1.6}.foot-legal a{color:var(--muted)}@media (max-width:900px){.foot-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.foot-about{grid-column:1/-1}}@media (max-width:480px){.foot-grid{grid-template-columns:minmax(0,1fr)}}.totop{position:fixed;right:calc(1.4rem + env(safe-area-inset-right,0px));bottom:calc(1.4rem + env(safe-area-inset-bottom,0px));width:56px;height:56px;border-radius:50%;background:var(--card);border:0;box-shadow:0 8px 24px -10px rgba(0,0,0,.35);cursor:pointer;z-index:2147482000;opacity:0;transform:translateY(12px) scale(.9);pointer-events:none;transition:opacity .25s,transform .25s,box-shadow .2s;padding:0}.totop.show{opacity:1;transform:none;pointer-events:auto}.totop:hover{box-shadow:0 12px 30px -10px rgba(0,0,0,.5),0 0 0 6px rgba(47,133,90,.12)}.totop svg.ring{position:absolute;inset:0;width:56px;height:56px;transform:rotate(-90deg)}.totop .trk{fill:none;stroke:var(--line);stroke-width:3}.totop .prg{fill:none;stroke:var(--accent);stroke-width:3;stroke-linecap:round;stroke-dasharray:157.08;stroke-dashoffset:157.08;transition:stroke-dashoffset .12s linear}.totop .arr{position:absolute;left:19px;top:19px;width:18px;height:18px;stroke:var(--ink);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.totop .pct{position:absolute;bottom:-1.4rem;left:50%;transform:translateX(-50%);font-size:.62rem;font-weight:600;letter-spacing:.08em;color:var(--muted);font-variant-numeric:tabular-nums}.mbar{display:none}@media (max-width:600px){.totop{display:none}.mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:2147481000;gap:12px;align-items:center;justify-content:space-between;background:var(--card);border-top:1px solid var(--line);padding:10px max(16px,env(safe-area-inset-right,0px)) calc(10px + env(safe-area-inset-bottom,0px)) max(16px,env(safe-area-inset-left,0px));box-shadow:0 -10px 30px -20px rgba(21,33,47,.4);transform:translateY(110%);transition:transform .25s}.mbar.show{transform:none}.mbar p{font-size:13.5px;font-weight:600;line-height:1.3}.mbar .btn{min-height:44px;padding:0 18px}body{padding-bottom:76px}}@media (max-width:900px){.nav{position:relative}.nav.open .menu{display:block;position:absolute;top:calc(100% + 8px);left:0;right:0;margin:0;background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:10px;box-shadow:0 20px 40px -24px rgba(21,33,47,.5);max-height:calc(100vh - 100px);overflow:auto}.nav.open .menu>li>a,.nav.open .menu>li>button{width:100%;justify-content:space-between;min-height:48px;font-size:16px}.nav.open .dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;background:transparent;width:auto;max-width:none;padding:0 0 6px 10px}.nav.open .dd::before{display:none}.nav.open .menu>li.open>.dd{display:block}.nav.open .menu .apply-li{display:block;padding:8px 2px 2px}.nav.open .menu .apply-li a{width:100%;justify-content:center;color:#fff}}.menu .apply-li{display:none}.calc-page{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:var(--gutter)}@media (max-width:900px){.calc-page{grid-template-columns:minmax(0,1fr)}}.amort{margin-top:6px}.sitemap-cols{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}.sitemap-cols ul{list-style:none;margin:10px 0 0;padding:0;display:grid;gap:6px}.sitemap-cols a{display:inline-flex;min-height:36px;align-items:center}@media (max-width:760px){.sitemap-cols{grid-template-columns:minmax(0,1fr)}}.lender h3{margin-top:30px}.note-sm{font-size:13px;color:var(--muted)}@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}