:root{
  --navy:#2B3990;
  --navy-deep:#232F7A;
  --cyan:#29ABE2;
  --cyan-soft:#8FD4F2;
  --ink:#121A4A;
  --fog:#F2F5FA;
  --paper:#FFFFFF;
  --line:#D5DEEC;
  --muted:#4B5579;
  --on-navy:#D3D8EE;
  --on-ink:#BCC5E3;
  --display:"Archivo","Arial Narrow","Helvetica Neue",Arial,sans-serif;
  --ui:"Archivo",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --serif:"Literata",Georgia,"Times New Roman",serif;
  --gutter:clamp(20px,5vw,44px);
  --r-s:10px;
  --r-m:14px;
  --r-l:22px;
  --photo-warm:url("/assets/amir-avatar.jpg");
}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--fog);color:var(--ink);font-family:var(--serif);font-size:clamp(1.0625rem,1rem + .25vw,1.125rem);line-height:1.62;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}
img,svg{display:block;max-width:100%}
p{margin:0}
h1,h2,h3{margin:0;font-family:var(--display);line-height:1.08;text-wrap:balance}
h2{font-size:clamp(2.125rem,1.4rem + 3.2vw,3.5rem);font-weight:850;font-variation-settings:"wdth" 80;line-height:1;letter-spacing:-.02em}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:.2em}
a:hover{text-decoration-thickness:2px}
button,input,select,textarea{font:inherit;color:inherit}
:focus-visible{outline:3px solid var(--cyan);outline-offset:3px}
.wrap{width:100%;max-width:1180px;margin-inline:auto;padding-inline:var(--gutter)}
.visually-hidden{position:absolute!important;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.skip{position:absolute;left:12px;top:-64px;z-index:100;padding:12px 16px;border-radius:var(--r-s);background:var(--cyan);color:var(--ink);font:700 1rem/1 var(--ui);text-decoration:none}
.skip:focus{top:12px}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition:none!important}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:54px;padding:14px 22px;border:2px solid transparent;border-radius:var(--r-m);font:700 1.0625rem/1.15 var(--ui);text-decoration:none;cursor:pointer;transition:background-color .15s ease,border-color .15s ease,color .15s ease}
.btn svg{width:20px;height:20px;flex:none}
.btn-cyan{background:var(--cyan);color:var(--ink)}
.btn-cyan:hover{background:#4FBCEA}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-deep)}
.btn-line{border-color:rgba(255,255,255,.5);color:#fff}
.btn-line:hover{border-color:#fff;background:rgba(255,255,255,.07)}
.btn:disabled{opacity:.7;cursor:progress}

/* Masthead */
.masthead{position:relative;z-index:30;background:var(--navy);color:#fff}
.masthead .wrap{display:flex;align-items:center;gap:16px;padding-block:16px}
.brand{display:grid;gap:4px;margin-right:auto;color:#fff;text-decoration:none}
.brand b{font:850 1.5rem/1 var(--display);font-variation-settings:"wdth" 82;letter-spacing:-.01em}
.brand small{font:500 .8125rem/1.2 var(--ui);color:var(--on-navy)}
.nav{display:none;gap:22px}
.nav a{padding-block:8px;color:#fff;font:500 1rem/1 var(--ui);text-decoration:none;white-space:nowrap}
.nav a:hover,.nav a[aria-current="page"]{text-decoration:underline;text-decoration-color:var(--cyan);text-decoration-thickness:2px;text-underline-offset:.4em}
.emc{flex:none;width:auto}
.emc-mark{height:30px}
.emc-full{display:none;height:30px}
.menu summary{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:8px 14px;border:2px solid rgba(255,255,255,.5);border-radius:var(--r-m);list-style:none;cursor:pointer;font:700 1rem/1 var(--ui)}
.menu summary::-webkit-details-marker{display:none}
.menu summary svg{width:18px;height:18px}
.menu[open] summary{border-color:#fff;background:#fff;color:var(--navy)}
.menu-panel{position:absolute;left:0;right:0;top:100%;padding:6px var(--gutter) 22px;background:var(--ink);box-shadow:0 18px 30px rgba(18,26,74,.28)}
.menu-panel a{display:block;padding:15px 0;border-bottom:1px solid rgba(255,255,255,.12);color:#fff;font:600 1.0625rem/1.2 var(--ui);text-decoration:none}
.menu-panel a[aria-current="page"]{color:var(--cyan)}
.menu-panel .btn{display:flex;margin-top:18px;padding:14px 22px;border-bottom:0;color:var(--ink)}
@media (min-width:760px){.emc-mark{display:none}.emc-full{display:block}}
@media (min-width:1180px){
  .nav{display:flex}
  .menu{display:none}
  .emc-full{height:32px;padding-left:22px;border-left:1px solid rgba(255,255,255,.28);box-sizing:content-box}
}

/* Hero: the "I want to..." picker */
.hero{background:var(--navy);color:#fff;padding-block:clamp(20px,4vw,48px) clamp(56px,9vw,112px)}
.hello{display:flex;align-items:flex-start;gap:14px;max-width:42rem}
.avatar{flex:none;width:52px;height:52px;border-radius:50%;background:var(--cyan) var(--photo-warm) center/cover no-repeat;box-shadow:0 0 0 2px var(--cyan)}
.hello h1{padding-top:2px;font:600 clamp(1.125rem,1rem + .6vw,1.375rem)/1.3 var(--ui)}
.hello p{margin-top:6px;color:var(--on-navy);font-size:1.0625rem;line-height:1.5}
.prompt{margin:clamp(36px,7vw,72px) 0 clamp(18px,2.5vw,26px);font:850 clamp(3.5rem,13vw,8rem)/.9 var(--display);font-variation-settings:"wdth" 76;letter-spacing:-.025em}
.goals{display:flex;flex-wrap:wrap;gap:10px;max-width:58rem}
.chip{position:relative;display:inline-flex}
.chip input{position:absolute;inset:0;width:100%;height:100%;margin:0;opacity:0;cursor:pointer}
.chip span{display:inline-block;padding:12px 18px;border:2px solid rgba(255,255,255,.5);border-radius:999px;font:600 clamp(1.0625rem,.9rem + .7vw,1.375rem)/1.15 var(--ui);transition:background-color .15s ease,border-color .15s ease,color .15s ease}
.chip:hover span{border-color:#fff}
.chip input:checked+span{background:var(--cyan);border-color:var(--cyan);color:var(--ink)}
.chip input:focus-visible+span{outline:3px solid #fff;outline-offset:3px}
.reply{display:flex;align-items:flex-start;gap:14px;max-width:44rem;margin-top:clamp(24px,3.5vw,36px)}
.reply .avatar{width:40px;height:40px}
.reply p{padding-top:4px;font-size:clamp(1.0625rem,1rem + .35vw,1.25rem);line-height:1.55}
.reply.pop{animation:pop .34s cubic-bezier(.2,.7,.2,1)}
@keyframes pop{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:clamp(26px,3.5vw,36px)}
.hero-grid{display:grid}
.hero-photo{display:none}
@media (min-width:900px){
  .hero-grid{grid-template-columns:minmax(0,1fr) auto;column-gap:clamp(32px,4vw,64px);align-items:start}
  .hero-photo{display:block;width:clamp(240px,23vw,300px);aspect-ratio:1;margin-top:6px;border:7px solid var(--cyan);border-radius:50%;background:var(--paper) var(--photo-warm) center/cover no-repeat}
  .hello .avatar{display:none}
}
.hero-rating{display:inline-flex;align-items:center;gap:8px;margin-top:22px;color:#fff;font:600 .9375rem/1.3 var(--ui);text-decoration:none}
.hero-rating svg{flex:none;width:18px;height:18px;color:#F2A900}
.hero-rating:hover span{text-decoration:underline}
.hero-rating+.hero-fine{margin-top:10px}
.hero-fine{margin-top:22px;color:var(--on-navy);font:500 .9375rem/1.45 var(--ui)}

/* Sections */
.section{padding-block:clamp(64px,9vw,120px)}
.band{background:var(--paper)}
.section-head{max-width:46rem;margin-bottom:clamp(28px,4vw,52px)}
.section-head p{max-width:38rem;margin-top:14px;color:var(--muted)}

/* Loan options */
.programs{display:grid;margin:0;padding:0;list-style:none;border-top:1px solid var(--line)}
.program{position:relative;padding:24px 0 26px 20px;border-bottom:1px solid var(--line)}
.program::before{content:"";position:absolute;left:0;top:24px;bottom:26px;width:4px;border-radius:4px;background:var(--line);transition:background-color .2s ease}
.program.is-fit::before{background:var(--cyan)}
.program-head{display:flex;flex-wrap:wrap;align-items:baseline;gap:6px 14px}
.program h3{font:750 1.5rem/1.1 var(--display);font-variation-settings:"wdth" 88}
.fit{display:none;align-items:center;gap:6px;color:var(--navy);font:650 .875rem/1 var(--ui)}
.fit svg{width:16px;height:16px}
.program.is-fit .fit{display:inline-flex}
.key{margin-top:8px;font:600 1.0625rem/1.35 var(--ui)}
.desc{max-width:34rem;margin-top:6px;color:var(--muted)}
@media (min-width:820px){
  .programs{grid-template-columns:1fr 1fr;column-gap:clamp(36px,5vw,72px);border-top:0}
  .program:nth-child(-n+2){border-top:1px solid var(--line)}
}

/* Payment calculator */
.calc{display:grid;gap:clamp(28px,4vw,56px);padding:clamp(20px,4vw,44px);border:1px solid var(--line);border-radius:var(--r-l);background:var(--paper)}
@media (min-width:920px){.calc{grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);align-items:start}}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:18px 14px;align-content:start}
.field{display:flex;flex-direction:column;gap:7px;min-width:0;margin:0;padding:0;border:0}
.field.full{grid-column:1/-1}
.field>label,.field>legend{padding:0;color:var(--ink);font:600 .9375rem/1.25 var(--ui)}
.seg-field{display:block}
.seg-field legend{margin-bottom:7px}
.input{display:flex;align-items:center;min-height:52px;border:1.5px solid var(--line);border-radius:var(--r-s);background:var(--paper);transition:border-color .15s ease,box-shadow .15s ease}
.input:focus-within{border-color:var(--cyan);box-shadow:0 0 0 3px rgba(41,171,226,.28)}
.input .pre,.input .post{color:var(--muted);font:600 1rem/1 var(--ui);white-space:nowrap}
.input .pre{padding-left:14px}
.input .post{padding-right:14px}
.input input{flex:1;width:100%;min-width:0;padding:12px 10px;border:0;background:transparent;color:var(--ink);font:650 1.0625rem/1.2 var(--ui);font-variant-numeric:tabular-nums}
.input input:focus{outline:none}
.hint{color:var(--muted);font:500 .875rem/1.3 var(--ui)}
.seg{display:grid;grid-template-columns:repeat(3,1fr);gap:4px;padding:4px;border-radius:var(--r-m);background:var(--fog)}
.seg label{position:relative}
.seg input{position:absolute;inset:0;width:100%;height:100%;margin:0;opacity:0;cursor:pointer}
.seg span{display:grid;place-items:center;min-height:44px;border-radius:10px;color:var(--muted);font:600 1rem/1 var(--ui);transition:background-color .15s ease,color .15s ease}
.seg input:checked+span{background:var(--paper);color:var(--ink);box-shadow:inset 0 0 0 2px var(--cyan)}
.seg input:focus-visible+span{outline:3px solid var(--cyan);outline-offset:2px}
.result{display:grid;gap:18px;align-content:start}
.total-label{color:var(--muted);font:600 1rem/1.35 var(--ui)}
.total{font:850 clamp(3.25rem,2.2rem + 4vw,5rem)/1 var(--display);font-variation-settings:"wdth" 80;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.total small{margin-left:6px;color:var(--muted);font:700 1.125rem/1 var(--ui);letter-spacing:0}
.bar{display:flex;gap:3px;height:16px}
.bar i{flex:1 1 0;min-width:0;border-radius:4px;transition:flex-grow .3s ease}
.legend{margin:0;padding:0;list-style:none;border-top:1px solid var(--line)}
.legend li{display:flex;align-items:center;gap:12px;padding:12px 0;border-bottom:1px solid var(--line);font:500 1rem/1.3 var(--ui)}
.amt{margin-left:auto;font-weight:700;font-variant-numeric:tabular-nums}
.sw{flex:none;width:12px;height:12px;border-radius:3px}
.k-pi{background:var(--navy)}
.k-tax{background:var(--cyan)}
.k-ins{background:var(--cyan-soft)}
.k-pmi{background:#7D86C7}
.k-hoa{background:#B7C1DA}
.result .btn{justify-self:start}
.disclaimer{color:var(--muted);font:500 .8125rem/1.5 var(--ui)}

/* Process */
.steps{display:grid;margin:0;padding:0;list-style:none;counter-reset:step}
.step{position:relative;padding:0 0 34px 66px;counter-increment:step}
.step::before{content:counter(step);position:absolute;left:0;top:-4px;display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;font:800 1.125rem/1 var(--ui)}
.step::after{content:"";position:absolute;left:22px;top:50px;bottom:6px;width:2px;background:var(--line)}
.step:last-child{padding-bottom:0}
.step:last-child::after{display:none}
.step:last-child::before{background:var(--cyan);color:var(--ink)}
.step h3{padding-top:6px;font:750 1.375rem/1.15 var(--display);font-variation-settings:"wdth" 88}
.step p{max-width:32rem;margin-top:8px;color:var(--muted)}
@media (min-width:940px){
  .steps{grid-template-columns:repeat(4,minmax(0,1fr));gap:32px}
  .step{padding:70px 0 0}
  .step::before{top:0}
  .step::after{left:58px;right:-26px;top:22px;bottom:auto;width:auto;height:2px}
}

/* About */
.about{display:grid;gap:clamp(32px,5vw,72px);align-items:center}
@media (min-width:880px){.about{grid-template-columns:minmax(0,5fr) minmax(0,7fr)}}
.portrait{width:min(100%,280px);aspect-ratio:1;overflow:hidden;border:7px solid var(--cyan);border-radius:50%;background:var(--paper)}
@media (min-width:880px){.portrait{width:min(100%,380px);justify-self:center}}
.portrait img{width:100%;height:100%;object-fit:cover}
.about-copy p{max-width:36rem;margin-top:16px}
.about-copy h2+p{margin-top:22px}
.facts{display:grid;grid-template-columns:max-content 1fr;gap:10px 24px;max-width:36rem;margin:30px 0 0;padding-top:24px;border-top:1px solid var(--line);font:500 1rem/1.35 var(--ui)}
.facts dt{color:var(--muted)}
.facts dd{margin:0;font-weight:650}

/* Reviews */
.reviews{display:grid;border-top:1px solid var(--line)}
.review{margin:0;padding:28px 0;border-bottom:1px solid var(--line)}
.stars{display:flex;gap:3px;color:#F2A900}
.stars svg{width:18px;height:18px}
.review blockquote{margin:14px 0 0}
.review p{font-size:1.125rem;line-height:1.55}
.review-lead p{font-size:clamp(1.25rem,1.05rem + .9vw,1.625rem);line-height:1.45}
.reviews-more{margin-top:26px;font:600 1rem/1.3 var(--ui)}
.review figcaption{display:grid;gap:3px;margin-top:16px;color:var(--muted);font:500 .9375rem/1.3 var(--ui)}
.review figcaption b{color:var(--ink);font-weight:700}
@media (min-width:880px){
  .reviews{grid-template-columns:minmax(0,7fr) minmax(0,5fr);column-gap:clamp(40px,5vw,72px);border-top:0}
  .review{border-top:1px solid var(--line);border-bottom:0}
  .review-lead{grid-row:span 2}
}

/* FAQ */
.faq{max-width:50rem;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:20px 0;list-style:none;cursor:pointer;font:650 clamp(1.0625rem,1rem + .3vw,1.25rem)/1.3 var(--ui)}
.faq summary::-webkit-details-marker{display:none}
.pm{position:relative;flex:none;width:30px;height:30px;border:2px solid var(--navy);border-radius:50%;transition:background-color .15s ease,border-color .15s ease}
.pm::before,.pm::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2px;margin:-1px 0 0 -6px;border-radius:2px;background:var(--navy);transition:transform .2s ease}
.pm::after{transform:rotate(90deg)}
.faq details[open] .pm{border-color:var(--cyan);background:var(--cyan)}
.faq details[open] .pm::after{transform:rotate(0)}
.answer{padding:0 48px 24px 0}
.answer p{max-width:42rem}

/* Contact */
.contact{background:var(--ink);color:#fff}
.contact-grid{display:grid;gap:clamp(36px,5vw,72px)}
@media (min-width:940px){.contact-grid{grid-template-columns:minmax(0,5fr) minmax(0,7fr);align-items:start}}
.lede{max-width:30rem;margin-top:16px;color:var(--on-ink)}
.mini-review{max-width:26rem;margin:30px 0 0;padding-left:16px;border-left:3px solid var(--cyan)}
.mini-review blockquote{margin:0}
.mini-review p{color:#fff;font-size:1.0625rem;line-height:1.5}
.mini-review figcaption{margin-top:8px;color:var(--on-ink);font:500 .875rem/1.3 var(--ui)}
.lede-note{margin-top:26px;font-size:1rem}
.direct{display:grid;gap:10px;max-width:26rem;margin:28px 0 0;padding:0;list-style:none}
.direct a{display:flex;align-items:center;gap:14px;padding:14px 16px;border:1.5px solid rgba(255,255,255,.22);border-radius:var(--r-m);color:#fff;font:600 1.0625rem/1.25 var(--ui);text-decoration:none;transition:border-color .15s ease}
.direct a:hover{border-color:var(--cyan)}
.direct svg{flex:none;width:22px;height:22px;color:var(--cyan)}
.direct small{display:block;margin-top:3px;color:var(--on-ink);font:500 .875rem/1.2 var(--ui)}
.form-card{padding:clamp(22px,4vw,40px);border-radius:var(--r-l);background:var(--paper);color:var(--ink)}
.form-grid{display:grid;gap:16px}
@media (min-width:560px){
  .form-grid{grid-template-columns:1fr 1fr}
  .form-grid .full{grid-column:1/-1}
}
.ff label{display:block;margin-bottom:7px;font:600 .9375rem/1.25 var(--ui)}
.opt{color:var(--muted);font-weight:500}
.ff input,.ff select,.ff textarea{display:block;width:100%;min-height:52px;padding:12px 14px;border:1.5px solid var(--line);border-radius:var(--r-s);background:var(--paper);color:var(--ink);font:500 1.0625rem/1.3 var(--ui);transition:border-color .15s ease,box-shadow .15s ease}
.ff select{-webkit-appearance:none;appearance:none;padding-right:42px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232B3990' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:16px}
.ff textarea{min-height:112px;resize:vertical}
.ff input:focus,.ff select:focus,.ff textarea:focus{outline:none;border-color:var(--cyan);box-shadow:0 0 0 3px rgba(41,171,226,.28)}
.ff input::placeholder,.ff textarea::placeholder{color:#8A93B2}
.consent{display:flex;align-items:flex-start;gap:12px;color:var(--muted);font:500 .8125rem/1.5 var(--ui);cursor:pointer}
.consent input{flex:none;width:20px;height:20px;margin:1px 0 0;accent-color:var(--navy)}
.submit{width:100%;margin-top:20px}
.form-status{margin-top:12px;color:#B3261E;font:600 .9375rem/1.4 var(--ui)}
.form-status:empty{display:none}
.form-fine{margin-top:14px;color:var(--muted);font:500 .8125rem/1.5 var(--ui)}
.sent:focus{outline:none}
.sent h3{font:850 2rem/1.05 var(--display);font-variation-settings:"wdth" 80}
.sent p{margin-top:12px}

/* Footer */
.foot{padding-block:44px;border-top:1px solid rgba(255,255,255,.12);background:var(--ink);color:var(--on-ink)}
.foot .wrap{display:grid;gap:14px;font:500 .875rem/1.6 var(--ui)}
.foot p{max-width:62rem}
.foot a{color:#fff}
.foot-logo{width:auto;height:36px;margin-bottom:6px}
.ehl{display:flex;align-items:center;gap:10px;color:#fff;font-size:.9375rem;font-weight:700}
.ehl svg{width:30px;height:30px}
.todo{padding:10px 12px;border:1px dashed rgba(41,171,226,.7);border-radius:var(--r-s);background:rgba(41,171,226,.14);color:#fff}

/* Mobile quick-contact bar */
.actionbar{position:fixed;left:0;right:0;bottom:0;z-index:40;display:grid;grid-template-columns:1fr 1fr 1.5fr;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom,0px));border-top:1px solid var(--line);background:var(--paper);box-shadow:0 -6px 24px rgba(18,26,74,.08);transition:transform .25s ease,visibility 0s}
.actionbar.away{transform:translateY(110%);visibility:hidden;transition:transform .25s ease,visibility 0s linear .25s}
.actionbar a{display:flex;align-items:center;justify-content:center;gap:8px;min-height:48px;border:1.5px solid var(--line);border-radius:12px;color:var(--ink);font:700 1rem/1 var(--ui);text-decoration:none}
.actionbar svg{width:18px;height:18px;color:var(--navy)}
.actionbar .go{border-color:var(--navy);background:var(--navy);color:#fff}
@media (min-width:760px){.actionbar{display:none}}
@media (max-width:759px){.foot{padding-bottom:calc(44px + 70px + env(safe-area-inset-bottom,0px))}}

/* ---------- Pages beyond the homepage ---------- */
.page-hero{padding-block:clamp(36px,6vw,72px) clamp(56px,8vw,104px);background:var(--navy);color:#fff}
.page-hero .wrap{display:grid;align-items:center;column-gap:clamp(32px,4vw,64px)}
@media (min-width:900px){.page-hero .wrap{grid-template-columns:minmax(0,1fr) auto}}
.page-hero h1{max-width:16ch;font:850 clamp(2.5rem,1.6rem + 4.2vw,4.75rem)/.98 var(--display);font-variation-settings:"wdth" 78;letter-spacing:-.022em}
.page-hero .sub{max-width:36rem;margin-top:20px;color:var(--on-navy);font-size:clamp(1.0625rem,1rem + .4vw,1.25rem);line-height:1.55}

.points{display:grid;margin:0;padding:0;list-style:none;border-top:1px solid var(--line)}
.points li{padding:24px 0 26px;border-bottom:1px solid var(--line)}
.points h3{font:750 1.375rem/1.15 var(--display);font-variation-settings:"wdth" 88}
.points p{max-width:34rem;margin-top:8px;color:var(--muted)}
@media (min-width:820px){
  .points{grid-template-columns:1fr 1fr;column-gap:clamp(36px,5vw,72px);border-top:0}
  .points li:nth-child(-n+2){border-top:1px solid var(--line)}
}

.compare{display:grid;gap:16px}
@media (min-width:900px){.compare{grid-template-columns:repeat(3,minmax(0,1fr))}}
.option{display:flex;flex-direction:column;padding:26px;border:1px solid var(--line);border-radius:var(--r-l);background:var(--paper)}
.option h3{font:800 1.5rem/1.1 var(--display);font-variation-settings:"wdth" 84}
.option p{margin-top:10px;color:var(--muted)}
.option .first-loan{margin-top:auto;padding-top:16px;border-top:1px solid var(--line);color:var(--muted);font:500 .9375rem/1.35 var(--ui)}
.option .first-loan b{display:block;margin-top:2px;color:var(--ink);font-weight:700}
.option p+.first-loan{margin-top:18px}

.checklist{display:grid;gap:14px;max-width:42rem;margin:0;padding:0;list-style:none}
.checklist li{display:flex;align-items:flex-start;gap:12px}
.checklist svg{flex:none;width:22px;height:22px;margin-top:4px;color:var(--navy)}
.checklist-note{max-width:42rem;margin-top:18px;color:var(--muted)}

.callout{display:grid;gap:10px;margin-top:clamp(32px,4vw,48px);padding:clamp(22px,3vw,32px);border-radius:var(--r-l);background:var(--ink);color:#fff}
.callout h3{font:800 1.5rem/1.15 var(--display);font-variation-settings:"wdth" 84}
.callout p{max-width:42rem;color:var(--on-ink)}
.callout a{justify-self:start;color:#fff;font:700 1rem/1.3 var(--ui)}

.quote{max-width:48rem;margin:0}
.quote blockquote{margin:14px 0 0}
.quote p{font-size:clamp(1.25rem,1.05rem + .9vw,1.625rem);line-height:1.45}
.quote figcaption{display:grid;gap:3px;margin-top:16px;color:var(--muted);font:500 .9375rem/1.3 var(--ui)}
.quote figcaption b{color:var(--ink);font-weight:700}

.more{display:inline-block;margin-top:10px;font:650 .9375rem/1.3 var(--ui)}
.reply-more{display:inline-block;margin-top:10px;color:#fff;font:650 .9375rem/1.3 var(--ui)}

.agents-band{padding-block:clamp(44px,6vw,72px);background:var(--ink);color:#fff}
.agents-band .wrap{display:grid;gap:20px;align-items:center}
@media (min-width:820px){.agents-band .wrap{grid-template-columns:minmax(0,1fr) auto}}
.agents-band h2{color:#fff;font-size:clamp(1.75rem,1.3rem + 2vw,2.5rem)}
.agents-band p{max-width:38rem;margin-top:10px;color:var(--on-ink)}

/* ---------- Calculators beyond the payment estimate ---------- */
.seg-5{grid-template-columns:repeat(5,1fr)}
.seg-5 span{font-size:.9375rem}
.dual{display:grid;gap:12px}
@media (min-width:560px){.dual{grid-template-columns:1fr 1fr}}
.dual>div{padding:18px;border:1px solid var(--line);border-radius:var(--r-m)}
.dual .tag{color:var(--muted);font:650 .9375rem/1.3 var(--ui)}
.dual b{display:block;margin-top:6px;font:850 clamp(2rem,1.5rem + 2vw,2.75rem)/1 var(--display);font-variation-settings:"wdth" 80;font-variant-numeric:tabular-nums;letter-spacing:-.015em}
.dual .sub-amt{display:block;margin-top:6px;color:var(--muted);font:500 .9375rem/1.3 var(--ui);font-variant-numeric:tabular-nums}
.rows{margin:0;padding:0;list-style:none;border-top:1px solid var(--line)}
.rows li{display:flex;align-items:center;gap:12px;padding:12px 0;border-bottom:1px solid var(--line);font:500 1rem/1.3 var(--ui)}
.calc-note{padding:14px 16px;border-radius:var(--r-m);background:var(--fog);font:500 .9375rem/1.45 var(--ui)}
.calc-note a{font-weight:700}

/* ---------- Two-step form ---------- */
.form-progress{display:none;margin:0 0 16px;color:var(--muted);font:600 .875rem/1.3 var(--ui)}
.form-step{min-width:0;margin:0;padding:0;border:0}
.form-step+.form-step{margin-top:16px}
.step-actions{display:flex;flex-wrap:wrap;align-items:center;gap:12px 18px;margin-top:20px}
.step-actions .btn{flex:1 1 auto}
.next,.back{display:none}
.link-btn{padding:8px 0;border:0;background:none;color:var(--navy);cursor:pointer;font:650 1rem/1.2 var(--ui);text-decoration:underline;text-underline-offset:.2em}
.js-steps .form-progress{display:block}
.js-steps .next{display:inline-flex}
.js-steps .back{display:inline-block}
.js-steps .form-step[data-step="2"]{display:none}
.js-steps .form-step+.form-step{margin-top:0}
.js-steps.on-step-2 .form-step[data-step="1"]{display:none}
.js-steps.on-step-2 .form-step[data-step="2"]{display:block}
.js-steps .submit{margin-top:0}
.submit{width:100%;margin-top:20px}

/* ---------- Footer links ---------- */
.foot-nav{display:flex;flex-wrap:wrap;gap:10px 22px;margin:2px 0 6px;padding:0;list-style:none}
.foot-nav a{color:#fff;font-weight:600;text-decoration:none}
.foot-nav a:hover{text-decoration:underline}

/* ---------- Privacy and 404 pages ---------- */
.legal{max-width:46rem}
.legal .updated{margin-top:10px;color:var(--muted);font:500 .9375rem/1.4 var(--ui)}
.legal h2{margin-top:36px;font-size:1.5rem;font-variation-settings:"wdth" 88}
.legal p,.legal ul{margin:12px 0 0}
.legal ul{padding-left:1.2em}
.legal li+li{margin-top:8px}
.legal-title{font:850 clamp(2.25rem,1.6rem + 3vw,3.5rem)/1 var(--display);font-variation-settings:"wdth" 80;letter-spacing:-.02em}
.result-actions{display:flex;flex-wrap:wrap;align-items:center;gap:12px 20px}
.result-actions a:not(.btn){font:650 1rem/1.3 var(--ui)}
.more-links{display:flex;flex-wrap:wrap;gap:4px 20px}
.reply-links{display:flex;flex-wrap:wrap;gap:4px 20px;margin-top:10px}
.reply-links .reply-more{margin-top:0}

/* ---------- Homepage v2: value-first top, paths, why, visual reviews ---------- */
.home-hero h1{max-width:14ch}
.hero-id{display:flex;align-items:center;gap:14px;margin-bottom:22px}
.hero-id p{color:#fff;font:600 1.0625rem/1.3 var(--ui)}
.hero-id .avatar{width:72px;height:72px;box-shadow:0 0 0 3px var(--cyan)}
@media (min-width:900px){.hero-id .avatar{display:none}.hero-id{margin-bottom:18px}}
.paths{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (min-width:900px){.paths{grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}}
.path{display:flex;flex-direction:column;gap:8px;min-height:128px;padding:18px;border:1.5px solid var(--line);border-radius:var(--r-l);background:var(--paper);color:var(--ink);text-decoration:none;transition:border-color .15s ease,box-shadow .15s ease}
.path:hover,.path.is-fit{border-color:var(--cyan);box-shadow:inset 0 0 0 1px var(--cyan)}
.path b{font:800 1.25rem/1.12 var(--display);font-variation-settings:"wdth" 86}
.path span{color:var(--muted);font:500 .9375rem/1.35 var(--ui)}
.why{display:grid;gap:16px}
@media (min-width:820px){.why{grid-template-columns:1fr 1fr}}
.why article{display:flex;flex-direction:column;padding:26px;border:1px solid var(--line);border-radius:var(--r-l);background:var(--paper)}
.why h3{font:800 1.5rem/1.1 var(--display);font-variation-settings:"wdth" 84}
.why p{max-width:34rem;margin-top:10px;color:var(--muted)}
.why .proof{margin-top:auto;padding-top:16px;border-top:1px solid var(--line);color:var(--ink);font-size:1rem;line-height:1.5}
.why p+.proof{margin-top:18px}
.why .proof span{display:block;margin-top:4px;color:var(--muted);font:600 .875rem/1.3 var(--ui)}
.cta-band{padding-block:clamp(44px,6vw,72px);background:var(--ink);color:#fff}
.cta-band .wrap{display:grid;gap:22px;align-items:center}
@media (min-width:860px){.cta-band .wrap{grid-template-columns:minmax(0,1fr) auto}}
.cta-band h2{color:#fff;font-size:clamp(1.75rem,1.3rem + 2vw,2.5rem)}
.cta-band p{max-width:38rem;margin-top:10px;color:var(--on-ink)}
.cta-band .cta-row{margin-top:0}
.rating-summary{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:20px;margin-bottom:clamp(24px,3vw,36px)}
.rating-line{display:flex;align-items:center;gap:14px;margin-top:14px}
.rating-big{font:850 clamp(3.25rem,2.6rem + 3vw,4.5rem)/1 var(--display);font-variation-settings:"wdth" 80;letter-spacing:-.02em}
.rating-line>span{display:grid;gap:4px;color:var(--muted);font:500 .9375rem/1.35 var(--ui)}
.rating-line .stars svg{width:22px;height:22px}
.review-cards{display:grid;gap:16px}
@media (min-width:880px){.review-cards{grid-template-columns:repeat(3,minmax(0,1fr))}}
.rcard{display:flex;flex-direction:column;margin:0;padding:24px;border:1px solid var(--line);border-radius:var(--r-l);background:var(--paper)}
.rcard blockquote{margin:14px 0 0}
.rcard p{font-size:1.0625rem;line-height:1.55}
.rcard figcaption{display:flex;align-items:center;gap:12px;margin-top:auto;padding-top:18px;color:var(--muted);font:500 .875rem/1.35 var(--ui)}
.rcard blockquote+figcaption{margin-top:18px}
.rcard figcaption b{color:var(--ink);font-size:.9375rem}
.initials{flex:none;display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;font:800 .9375rem/1 var(--ui)}
.band .rcard,.band .why article{background:var(--fog)}
.hero-id p b{font-weight:800}
.hero-id p span{display:block;margin-top:3px;color:var(--on-navy);font-size:.9375rem;font-weight:500}

/* ---------- Mortgage rate trends ---------- */
.rates-card{display:grid;gap:22px;padding:clamp(20px,4vw,40px);border:1px solid var(--line);border-radius:var(--r-l);background:var(--paper)}
.rate-stats{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.rate-stat{padding:18px;border:1px solid var(--line);border-radius:var(--r-m)}
.rate-stat .tag{color:var(--muted);font:650 .9375rem/1.3 var(--ui)}
.rate-stat b{display:block;margin-top:6px;font:850 clamp(2.25rem,1.6rem + 2.6vw,3.25rem)/1 var(--display);font-variation-settings:"wdth" 80;font-variant-numeric:tabular-nums;letter-spacing:-.015em}
.rate-stat .chg{display:block;margin-top:8px;color:var(--muted);font:600 .875rem/1.3 var(--ui)}
.rate-chart{margin:0}
.rate-chart svg{display:block;width:100%;height:160px;overflow:visible}
.rate-chart path{fill:none;stroke-width:3;vector-effect:non-scaling-stroke;stroke-linejoin:round;stroke-linecap:round}
.rate-chart .l30{stroke:var(--navy)}
.rate-chart .l15{stroke:var(--cyan)}
.rate-chart figcaption{display:flex;flex-wrap:wrap;align-items:center;gap:6px 18px;margin-top:12px;color:var(--muted);font:500 .875rem/1.4 var(--ui)}
.key{display:inline-block;width:16px;height:4px;margin-right:6px;border-radius:2px;vertical-align:middle}
.k30{background:var(--navy)}
.k15{background:var(--cyan)}
.rates-meta{font:600 .9375rem/1.4 var(--ui)}

/* ---------- Homebot home value form ---------- */
.homebot-card{min-height:140px;padding:clamp(16px,3vw,28px);border:1px solid var(--line);border-radius:var(--r-l);background:var(--paper)}
.homebot-fallback{color:var(--muted);font:500 .9375rem/1.5 var(--ui)}
.cta-band p a{color:#fff;font-weight:700}
.homebot-fallback a{white-space:nowrap}

/* ---------- Amir's photo at the top of every form ---------- */
.form-id{display:flex;align-items:center;gap:14px;margin-bottom:22px;padding-bottom:20px;border-bottom:1px solid var(--line)}
.form-id .avatar{width:56px;height:56px;box-shadow:0 0 0 3px var(--cyan)}
.form-id p{color:var(--muted);font:500 .9375rem/1.35 var(--ui)}
.form-id b{display:block;color:var(--ink);font-size:1.125rem;font-weight:800;line-height:1.2}

/* ---------- Rate Watch signup: target dial and slider ---------- */
.rw-target{margin-top:20px}
.rw-target label{display:block;font:600 .9375rem/1.25 var(--ui)}
.rw-dial{display:flex;align-items:center;gap:14px;margin:10px 0 8px}
.rw-dial output{min-width:5.2ch;color:var(--navy);font:850 2.75rem/1 var(--display);font-variation-settings:"wdth" 82;text-align:center}
.rw-step{flex:none;width:48px;height:48px;border:1.5px solid var(--line);border-radius:50%;background:var(--paper);color:var(--navy);font:700 1.5rem/1 var(--ui);cursor:pointer;touch-action:manipulation}
.rw-step:hover{border-color:var(--navy)}
.rw-step:focus-visible{outline:none;box-shadow:0 0 0 3px rgba(41,171,226,.45)}
.rw-target input[type=range]{display:block;width:100%;height:36px;margin:0;background:transparent;-webkit-appearance:none;appearance:none;cursor:pointer}
.rw-target input[type=range]::-webkit-slider-runnable-track{height:8px;border-radius:99px;background:linear-gradient(to right,var(--navy) var(--fill,50%),var(--line) var(--fill,50%))}
.rw-target input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:30px;height:30px;margin-top:-11px;border:3px solid var(--navy);border-radius:50%;background:var(--paper);box-shadow:0 2px 6px rgba(15,23,60,.25)}
.rw-target input[type=range]::-moz-range-track{height:8px;border-radius:99px;background:var(--line)}
.rw-target input[type=range]::-moz-range-progress{height:8px;border-radius:99px;background:var(--navy)}
.rw-target input[type=range]::-moz-range-thumb{width:24px;height:24px;border:3px solid var(--navy);border-radius:50%;background:var(--paper)}
.rw-target input[type=range]:focus-visible{outline:none}
.rw-target input[type=range]:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 4px rgba(41,171,226,.45)}
.rw-hint{margin-top:6px;color:var(--muted);font:500 .875rem/1.45 var(--ui)}
.rw-summary{margin-top:10px;font-weight:600}

/* ---------- HELOC: bar at the top of every page, first item in the menu ---------- */
.heloc-bar{position:relative;z-index:31;background:var(--cyan);color:var(--ink)}
.heloc-bar p{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:6px 12px;max-width:1180px;margin:0 auto;padding:7px var(--gutter);font:600 .9375rem/1.3 var(--ui);text-align:center}
.heloc-bar a{display:inline-flex;align-items:center;min-height:40px;padding:0 16px;border-radius:999px;background:var(--ink);color:#fff;font:800 .9375rem/1 var(--ui);text-decoration:none;white-space:nowrap}
.heloc-bar a:hover{background:var(--navy)}
.heloc-bar a:focus-visible{outline:3px solid #fff;outline-offset:2px}
.hb-long{display:none}
@media (min-width:640px){.hb-long{display:inline}.hb-short{display:none}}
.menu-panel .menu-heloc{margin:14px 0 8px}
.callout a+a{margin-top:6px}
.actionbar.heloc-first{grid-template-columns:1fr 1fr 2fr}
@media (max-width:380px){.heloc-bar p{gap:6px 10px;font-size:.875rem}.heloc-bar a{padding:0 12px;font-size:.875rem}.actionbar.heloc-first .go{font-size:.875rem}}

/* ---------- Rate trends by loan type ---------- */
.rate-types{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.rate-type{display:block;width:100%;padding:14px;border:1.5px solid var(--line);border-radius:var(--r-m);background:var(--paper);color:var(--ink);text-align:left;font:inherit;cursor:pointer;touch-action:manipulation}
.rate-type .tag{display:block;color:var(--muted);font:650 .8125rem/1.25 var(--ui)}
.rate-type b{display:block;margin-top:6px;font:850 1.875rem/1 var(--display);font-variation-settings:"wdth" 80;font-variant-numeric:tabular-nums}
.rate-type .chg{display:block;margin-top:6px;color:var(--muted);font:600 .8125rem/1.3 var(--ui)}
.rate-type[aria-pressed="true"]{border-color:var(--navy);box-shadow:inset 0 0 0 1.5px var(--navy);background:#EEF1FA}
.rate-type:focus-visible{outline:none;box-shadow:0 0 0 3px rgba(41,171,226,.45)}
@media (min-width:860px){.rate-types{grid-template-columns:repeat(5,minmax(0,1fr))}}
.rate-chart .lsel{stroke:var(--navy)}
.rate-chart .lcmp{stroke:var(--cyan);stroke-width:2;stroke-dasharray:6 5}
.ksel{background:var(--navy)}
.kcmp{background:var(--cyan)}
.rates-credit{color:var(--muted);font:500 .8125rem/1.45 var(--ui)}
.rates-credit a{color:inherit}
@media (max-width:859px){.rate-type:first-child{grid-column:1/-1}}

/* ---------- Phones: an odd last tile spans the row; the contact form comes right after the heading ---------- */
@media (max-width:899px){.paths>.path:last-child:nth-child(odd){grid-column:1/-1}}
@media (max-width:939px){
.contact-grid{gap:0}
.contact-grid>div:first-child{display:contents}
.contact-grid>div:first-child>h2{order:1}
.contact-grid>div:first-child>.lede:not(.lede-note){order:2}
.contact-grid>.form-card{order:3;margin-top:28px}
.contact-grid>div:first-child>.direct{order:4;margin-top:36px}
.contact-grid>div:first-child>.lede-note{order:5}
.contact-grid>div:first-child>.mini-review{order:6}
}

/* ---------- Rate Watch link under the hero buttons ---------- */
.hero-watch{display:block;width:fit-content;margin-top:18px;color:#fff;font:600 1rem/1.4 var(--ui);text-decoration:none}
.hero-watch span:first-of-type{text-decoration:underline;text-decoration-color:var(--cyan);text-decoration-thickness:2px;text-underline-offset:4px}
.hero-watch:hover span:first-of-type{text-decoration-thickness:3px}
.hero-watch:focus-visible{outline:3px solid var(--cyan);outline-offset:3px;border-radius:4px}
.hero-watch span{white-space:nowrap}

/* ---------- Rate Watch: loan type buttons ---------- */
.rw-types{min-width:0;margin:0 0 18px;padding:0;border:0}
.rw-types legend{margin-bottom:10px;font:600 .9375rem/1.25 var(--ui)}
.rw-chips{display:flex;flex-wrap:wrap;gap:8px}
.rw-chip{position:relative;cursor:pointer}
.rw-chip input{position:absolute;inset:0;width:100%;height:100%;margin:0;opacity:0;cursor:pointer}
.rw-chip span{display:inline-flex;align-items:center;min-height:44px;padding:0 16px;border:1.5px solid var(--line);border-radius:999px;background:var(--paper);color:var(--ink);font:700 .9375rem/1 var(--ui);transition:background-color .15s,border-color .15s,color .15s}
.rw-chip input:checked+span{border-color:var(--navy);background:var(--navy);color:#fff}
.rw-chip input:focus-visible+span{box-shadow:0 0 0 3px rgba(41,171,226,.45)}

/* ---------- Comfortable tap targets for small links ---------- */
.foot-nav{gap:0 22px}
.foot-nav a{display:inline-flex;align-items:center;min-height:44px}
.result-actions a:not(.btn){display:inline-flex;align-items:center;min-height:44px}
.hero-rating{display:inline-flex;align-items:center;min-height:44px;margin-top:6px}
.hero-watch{display:inline-block;padding:11px 0;margin-top:2px}
.rate-type .tag .nw{white-space:nowrap}
.page-hero .hero-fine{margin-top:4px}

/* ---------- v31: tighter hero, trust strip, today's averages, path icons, how it works, header CTA, AI widget vs quick-contact bar ---------- */
.only-touch{display:inline-flex}
.only-wide{display:none}
@media (min-width:760px){.only-touch{display:none}.only-wide{display:inline-flex}}
.hero-assure{display:flex;flex-wrap:wrap;gap:8px 18px;margin:18px 0 0;padding:0;list-style:none;color:#fff;font:600 .9375rem/1.3 var(--ui)}
.hero-assure li{display:inline-flex;align-items:center;gap:8px}
.hero-assure li::before{content:"";flex:none;width:18px;height:18px;border-radius:50%;background:var(--cyan) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23121A4A' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 12 5 5L20 7'/%3E%3C/svg%3E") center/11px no-repeat}
.hero-assure+.hero-watch{margin-top:14px}
.home-hero .hero-fine{font-size:.875rem}
@media (max-width:899px){
  .home-hero{padding-block:clamp(22px,5vw,36px) clamp(40px,7vw,64px)}
  .home-hero .hero-id{margin-bottom:16px}
  .home-hero .hero-id .avatar{width:60px;height:60px}
  .home-hero .hero-id p{font-size:1rem}
  .home-hero h1{max-width:12ch;font-size:clamp(2.5rem,1.4rem + 5.2vw,4rem)}
  .home-hero .sub{margin-top:14px;font-size:1.0625rem;line-height:1.5}
  .home-hero .cta-row{margin-top:20px}
  .home-hero .cta-row .btn{flex:1 1 150px;padding-inline:14px;font-size:1rem}
  .home-hero .hero-fine{font-size:.8125rem}
}

/* At a glance */
.trust{background:var(--paper);border-bottom:1px solid var(--line)}
.trust-list{display:grid;grid-template-columns:1fr 1fr;gap:16px 20px;margin:0;padding:20px 0;list-style:none}
.trust-list li{display:grid;gap:3px}
.trust-list b{color:var(--ink);font:850 1.375rem/1 var(--display);font-variation-settings:"wdth" 82;letter-spacing:-.01em}
.trust-list .star{color:#F2A900;font-size:1.0625rem}
.trust-list li>span{color:var(--muted);font:500 .875rem/1.3 var(--ui)}
@media (min-width:760px){.trust-list{grid-template-columns:repeat(4,minmax(0,1fr));gap:24px;padding:24px 0}.trust-list b{font-size:1.5rem}}

/* Today's national averages */
.ticker{background:var(--fog);border-bottom:1px solid var(--line)}
.ticker .wrap{display:grid;gap:12px;padding-block:18px}
.ticker-head{display:flex;flex-wrap:wrap;align-items:baseline;gap:4px 12px}
.ticker-head h2{color:var(--ink);font:800 1.0625rem/1.2 var(--ui);font-variation-settings:"wdth" 100;letter-spacing:0}
.ticker-head p{color:var(--muted);font:500 .875rem/1.3 var(--ui)}
.ticker-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px;margin:0;padding:0;list-style:none}
.ticker-list li{display:grid;gap:3px;padding:10px 14px;border:1px solid var(--line);border-radius:var(--r-m);background:var(--paper);color:var(--muted);font:600 .8125rem/1.2 var(--ui)}
.ticker-list li b{color:var(--ink);font:850 1.5rem/1 var(--display);font-variation-settings:"wdth" 82;font-variant-numeric:tabular-nums;letter-spacing:-.01em}
.ticker-list li small{display:block;font:650 .75rem/1.2 var(--ui);color:var(--muted);white-space:nowrap}
.ticker-list .up{color:#B3261E}
.ticker-list .down{color:#1B7F4C}
.ticker-foot{color:var(--muted);font:500 .8125rem/1.45 var(--ui)}
.ticker-foot a{font-weight:650}
@media (min-width:760px){
  .ticker .wrap{grid-template-columns:auto minmax(0,1fr);grid-template-areas:"head list" "foot foot";align-items:center;column-gap:28px;row-gap:10px}
  .ticker-head{grid-area:head;flex-direction:column;align-items:flex-start;gap:2px}
  .ticker-list{grid-area:list;grid-template-columns:repeat(4,minmax(0,1fr))}
  .ticker-foot{grid-area:foot}
}

/* Path cards with icons */
.path{gap:6px}
.pi{display:grid;place-items:center;width:42px;height:42px;margin-bottom:6px;border-radius:12px;background:#E9F6FD;color:var(--navy);transition:background-color .15s ease,color .15s ease}
.pi svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.path:hover .pi,.path.is-fit .pi{background:var(--cyan);color:var(--ink)}

/* How it works */
.steps-3{gap:0}
@media (min-width:940px){.steps-3{grid-template-columns:repeat(3,minmax(0,1fr));gap:40px}.steps-3 .step::after{right:-40px}}
.band .step p{color:var(--muted)}
.how-cta{align-items:center;gap:12px 22px;margin-top:clamp(28px,4vw,44px)}
.btn-ghost{display:inline-flex;align-items:center;min-height:44px;color:var(--navy);font:650 1rem/1.3 var(--ui)}

/* Header button on tablets and desktops (phones have the quick-contact bar) */
.head-cta{display:none;min-height:44px;padding:10px 16px;border-radius:12px;font-size:.9375rem;white-space:nowrap}
@media (min-width:760px){.head-cta{display:inline-flex}}

/* Lead form reassurance */
.form-promise{margin:0 0 18px;color:var(--muted);font:500 .9375rem/1.45 var(--ui)}

/* The LoanOfficer.ai chat bubble sits above the quick-contact bar while the bar is showing */
@media (max-width:759px){
  body.bar-on ai-widget>.MuiFab-root{bottom:calc(86px + env(safe-area-inset-bottom,0px))!important;transition:bottom .25s ease}
}
@media (min-width:1180px){.nav{gap:18px}.nav a{font-size:.9375rem}.head-cta{padding:10px 14px}}

/* ---------- v32: Rate Watch links pushed forward ---------- */
.hero-watch-big{display:flex;align-items:center;gap:14px;width:100%;max-width:34rem;margin-top:22px;padding:14px 16px;border:2px solid var(--cyan);border-radius:var(--r-m);background:rgba(41,171,226,.14);color:#fff;text-decoration:none;transition:background-color .15s ease}
.hero-watch-big:hover{background:rgba(41,171,226,.26)}
.hero-watch-big svg{flex:none;width:30px;height:30px;fill:none;stroke:var(--cyan);stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.hero-watch-big .hw-text{display:grid;gap:3px;min-width:0}
.hero-watch-big b{font:800 clamp(1.125rem,1rem + .5vw,1.3125rem)/1.2 var(--ui);text-decoration:underline;text-decoration-color:var(--cyan);text-decoration-thickness:2px;text-underline-offset:4px}
.hero-watch-big small{color:var(--on-navy);font:500 .9rem/1.35 var(--ui)}
.hero-watch-big .hw-arrow{margin-left:auto;color:var(--cyan);font:800 1.5rem/1 var(--ui)}
.hero-watch-big span{white-space:normal}
.hero-watch-big+.hero-rating{margin-top:14px}
.ticker-cta{grid-area:cta;justify-self:start;min-height:48px;padding:12px 18px;font-size:1rem}
@media (min-width:760px){.ticker .wrap{grid-template-areas:"head list" "foot cta";align-items:center}.ticker-cta{justify-self:end}}
.btn-big{min-height:60px;padding:16px 26px;font-size:1.125rem}
.hero-watch-big span:first-of-type,.hero-watch-big small,.hero-watch-big:hover span:first-of-type{text-decoration:none}
.hero-watch-big b{color:#fff}

/* ---------- v32b: Rate Watch, loud but tidy ---------- */
.hero-watch-big{gap:16px;max-width:36rem;margin-top:24px;padding:16px 18px;border:0;border-radius:var(--r-l);background:var(--cyan);color:var(--ink);box-shadow:0 10px 30px rgba(0,0,0,.25)}
.hero-watch-big:hover{background:#4FBCEA}
.hero-watch-big .hw-icon{flex:none;display:grid;place-items:center;width:52px;height:52px;border-radius:50%;background:var(--ink);color:var(--cyan)}
.hero-watch-big .hw-icon svg{width:26px;height:26px;fill:none;stroke:currentColor;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.hero-watch-big em{display:block;color:var(--navy-deep);font:700 .9375rem/1.2 var(--ui);font-style:normal;text-transform:uppercase;letter-spacing:.04em}
.hero-watch-big b{display:block;margin-top:2px;color:var(--ink);font:850 clamp(1.5rem,1.2rem + 1.2vw,2rem)/1.05 var(--display);font-variation-settings:"wdth" 82;letter-spacing:-.01em;text-decoration:none}
.hero-watch-big small{display:block;margin-top:6px;color:#0F1A4A;font:500 .9375rem/1.4 var(--ui)}
.hero-watch-big .hw-arrow{color:var(--ink);font-size:1.75rem}
@media (max-width:480px){.hero-watch-big .hw-arrow{display:none}.hero-watch-big{padding:16px}}
.rw-band{padding-block:clamp(44px,6vw,72px);background:var(--navy);color:#fff}
.rw-band .wrap{display:grid;gap:24px;align-items:center}
@media (min-width:860px){.rw-band .wrap{grid-template-columns:minmax(0,1fr) auto;column-gap:48px}}
.rw-kicker{display:inline-block;margin-bottom:10px;padding:6px 12px;border-radius:999px;background:var(--cyan);color:var(--ink);font:800 .8125rem/1 var(--ui);text-transform:uppercase;letter-spacing:.06em}
.rw-band h2{color:#fff;max-width:18ch}
.rw-band-copy p:not(.rw-kicker){max-width:40rem;margin-top:14px;color:var(--on-navy)}
.rw-band-cta{display:grid;gap:8px;justify-items:center}
.rw-band-cta .btn{min-height:64px;padding:18px 36px;font-size:1.25rem;box-shadow:0 10px 30px rgba(0,0,0,.25)}
.rw-band-cta span{color:var(--on-navy);font:600 .875rem/1.3 var(--ui)}
@media (max-width:859px){.rw-band-cta{justify-items:start}.rw-band-cta .btn{width:100%}}
/* ---------- v32c: heavier, bigger Rate Watch lettering ---------- */
.hero-watch-big{padding:18px 20px;border:3px solid #fff;box-shadow:0 14px 36px rgba(0,0,0,.35)}
.hero-watch-big em{font-weight:800;font-size:1rem;letter-spacing:.06em}
.hero-watch-big b{font:900 clamp(1.875rem,1.3rem + 2vw,2.625rem)/1 var(--display);font-variation-settings:"wdth" 80;letter-spacing:-.015em;text-transform:uppercase}
.hero-watch-big small{margin-top:8px;font-weight:600;font-size:1rem}
.hero-watch-big .hw-icon{width:58px;height:58px}
.hero-watch-big .hw-arrow{font-weight:900;font-size:2rem}
.rw-band h2{font:900 clamp(2.5rem,1.6rem + 4.2vw,4.5rem)/.98 var(--display);font-variation-settings:"wdth" 78;letter-spacing:-.025em;text-transform:uppercase;max-width:16ch}
.rw-band-copy p:not(.rw-kicker){font:600 clamp(1.0625rem,1rem + .4vw,1.25rem)/1.5 var(--ui);color:#fff}
.rw-kicker{font-weight:900;font-size:.9375rem}
.rw-band-cta .btn{border:3px solid #fff;font:900 1.375rem/1.1 var(--ui);text-transform:uppercase;letter-spacing:.03em;min-height:70px;padding:20px 40px}
.rw-band-cta span{color:#fff;font-weight:700}
.btn-big{font-weight:900;text-transform:uppercase;letter-spacing:.02em;border:2px solid var(--ink)}
.ticker-cta{font-weight:900;text-transform:uppercase;letter-spacing:.02em}

/* ---------- v32d: Rate Watch feature card in the hero ---------- */
.rw-card{position:relative;display:grid;gap:22px;max-width:62rem;margin-top:26px;padding:clamp(22px,4vw,36px);border-radius:24px;background:#fff radial-gradient(circle at 85% 30%,#DDEEFB 0,rgba(221,238,251,0) 55%);color:var(--ink);box-shadow:0 18px 50px rgba(0,0,0,.32);overflow:hidden}
.rw-card-copy{display:grid;gap:12px;justify-items:start}
.rw-pill{display:inline-flex;align-items:center;gap:8px;padding:9px 16px;border-radius:999px;background:#FBE9A6;color:var(--ink);font:800 .875rem/1 var(--ui);text-transform:uppercase;letter-spacing:.06em}
.rw-pill svg{width:16px;height:16px;fill:var(--ink)}
.rw-h{display:grid;color:var(--ink);font:900 clamp(2.25rem,1.3rem + 4.5vw,3.75rem)/.95 var(--display);font-variation-settings:"wdth" 80;letter-spacing:-.02em;text-transform:uppercase}
.rw-h .rw-h2{color:#1F6FE0}
.rw-sub{font:800 clamp(1.375rem,1.1rem + 1.2vw,1.875rem)/1.1 var(--ui);color:var(--ink)}
.rw-body{max-width:30rem;color:#1E2A5A;font:500 clamp(1rem,.95rem + .3vw,1.125rem)/1.5 var(--ui)}
.rw-btn{display:flex;align-items:center;justify-content:center;gap:14px;width:100%;max-width:34rem;min-height:66px;margin-top:6px;padding:16px 24px;border:2px solid #1C2D8F;border-radius:16px;background:linear-gradient(180deg,#2F4BD6,#1E3AB8);color:#fff;font:900 clamp(1.125rem,1rem + .6vw,1.375rem)/1.1 var(--ui);text-decoration:none;box-shadow:0 10px 24px rgba(30,58,184,.4)}
.rw-btn:hover{background:linear-gradient(180deg,#3A57E0,#2444C4)}
.rw-btn svg{flex:none;width:24px;height:24px;fill:none;stroke:#fff;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.rw-btn .rw-arrow{margin-left:auto;font-size:1.5rem}
.rw-checks{display:flex;flex-wrap:wrap;gap:8px 0;margin:4px 0 0;padding:0;list-style:none;color:var(--ink);font:700 .9375rem/1.3 var(--ui)}
.rw-checks li{display:inline-flex;align-items:center;gap:8px;padding-right:14px;margin-right:14px;border-right:1px solid var(--line)}
.rw-checks li:last-child{border:0;margin:0;padding:0}
.rw-checks li::before{content:"";flex:none;width:20px;height:20px;border-radius:50%;background:#1B8A4C url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 12 5 5L20 7'/%3E%3C/svg%3E") center/12px no-repeat}
.rw-phone{display:none}
@media (min-width:640px){.rw-card{grid-template-columns:minmax(0,1.15fr) minmax(220px,.85fr);align-items:end}}
@media (min-width:0){
  .rw-phone{display:block;position:relative;align-self:end;width:min(100%,280px);justify-self:center;margin-bottom:-60px;padding:14px 12px 0;border:10px solid #151A3A;border-bottom:0;border-radius:36px 36px 0 0;background:#0F1430;box-shadow:0 20px 40px rgba(0,0,0,.35);transform:rotate(-4deg);transform-origin:bottom center}
  .rw-screen{display:grid;gap:10px;min-height:360px;padding:12px 10px 0;border-radius:24px 24px 0 0;background:linear-gradient(180deg,#1C2A8A,#2B3990 45%,#3C57C9);color:#fff;font-family:var(--ui)}
  .rw-time{font:600 .8125rem/1 var(--ui)}
  .rw-lock{justify-self:center;font-size:1.125rem}
  .rw-date{justify-self:center;font:600 .9375rem/1 var(--ui)}
  .rw-notif{display:flex;gap:10px;margin-top:6px;padding:12px;border-radius:14px;background:#fff;color:var(--ink);box-shadow:0 8px 20px rgba(0,0,0,.25)}
  .rw-app{flex:none;display:grid;place-items:center;width:30px;height:30px;border-radius:8px;background:#1F6FE0;color:#fff;font:900 1rem/1 var(--ui)}
  .rw-notif-text{font:500 .75rem/1.35 var(--ui)}
  .rw-notif-text b{display:block;font:800 .8125rem/1.2 var(--ui)}
  .rw-notif-text small{float:right;color:#8A93B2;font-weight:500}
  .rw-chart{display:grid;gap:8px;padding:12px;border-radius:14px 14px 0 0;background:#fff;color:var(--ink)}
  .rw-chart b{font:800 .875rem/1 var(--ui)}
  .rw-chart svg{width:100%;height:auto}
  .rw-chart i{display:block;height:8px;border-radius:4px;background:#D5DEEC}
  .rw-chart i.short{width:60%}
}
@media (min-width:900px){.rw-card{grid-column:1/-1}}
.rw-card+.hero-rating{margin-top:20px}

.rw-card{grid-column:1/-1;max-width:none;margin-top:clamp(28px,4vw,44px)}
.hero-rating-center{grid-column:1/-1;justify-self:center;margin-top:18px;font-size:1.0625rem}
.hero-rating-center svg{width:22px;height:22px}
@media (min-width:900px){.page-hero .wrap{row-gap:0}.rw-card{grid-template-columns:minmax(0,1fr) minmax(260px,420px);column-gap:40px}.rw-phone{width:min(100%,320px)}}
@media (min-width:760px){.ticker .wrap{grid-template-columns:max-content minmax(0,1fr);grid-template-areas:"head list" "foot foot" "cta cta"}.ticker-cta{justify-self:start}}

.ticker .wrap{grid-template-columns:minmax(0,1fr);grid-template-areas:"head" "list" "foot" "cta"}
.hero-fine-center{grid-column:1/-1;max-width:46rem;margin-top:14px;text-align:center;justify-self:center}
@media (max-width:480px){.rw-btn{font-size:1.0625rem;gap:10px;padding:14px 16px}.rw-btn .rw-arrow{font-size:1.25rem}.rw-card{padding:20px 18px}}
@media (max-width:480px){.rw-btn{font-size:1rem}.rw-btn span:first-of-type{white-space:nowrap}}

/* phones: the drawn phone sits under the copy, cropped by the card */
@media (max-width:639px){.rw-phone{width:min(78%,260px);margin:4px auto -70px;transform:rotate(-3deg)}.rw-screen{min-height:300px}.rw-card{padding-bottom:0}}

/* ---------- v33 final: Rate Watch emphasis, calmer ---------- */
.rw-h{font:900 clamp(1.75rem,1.2rem + 2.6vw,2.75rem)/1 var(--display);font-variation-settings:"wdth" 82;letter-spacing:-.015em;text-transform:none}
.rw-h span{display:inline}
.rw-h .rw-h2{display:block}
.rw-sub{font:800 clamp(1.125rem,1rem + .6vw,1.375rem)/1.2 var(--ui)}
.rw-body{font-size:1rem}
.rw-pill{font-size:.8125rem;padding:8px 14px}
.rw-btn{min-height:56px;max-width:26rem;font:800 1.0625rem/1.1 var(--ui);border-radius:14px;box-shadow:0 6px 18px rgba(30,58,184,.3)}
.rw-btn .rw-arrow{font-size:1.25rem}
.rw-checks{font-size:.875rem}
.rw-card{box-shadow:0 14px 36px rgba(0,0,0,.22);margin-top:clamp(24px,3vw,36px)}
.rw-band h2{font:850 clamp(2.125rem,1.4rem + 3.2vw,3.5rem)/1 var(--display);font-variation-settings:"wdth" 80;letter-spacing:-.02em;text-transform:none;max-width:18ch}
.rw-band-copy p:not(.rw-kicker){font:400 1.0625rem/1.6 var(--serif);color:var(--on-navy)}
.rw-kicker{font-weight:800;font-size:.8125rem}
.rw-band-cta .btn{border:0;font:800 1.125rem/1.15 var(--ui);text-transform:none;letter-spacing:0;min-height:60px;padding:16px 32px;box-shadow:0 8px 24px rgba(0,0,0,.2)}
.rw-band-cta span{color:var(--on-navy);font-weight:600}
.btn-big{font-weight:800;text-transform:none;letter-spacing:0;border:0;min-height:56px;padding:14px 24px;font-size:1.0625rem}
.ticker-cta{font-weight:800;text-transform:none;letter-spacing:0}
@media (max-width:639px){.rw-phone{width:min(70%,230px);margin-bottom:-80px}.rw-screen{min-height:280px}}
@media (max-width:480px){.rw-btn{font-size:1rem}}
.rw-field-hint{grid-column:1/-1;margin-top:-4px}