/* Softer controls and spacious, image-led storytelling. */
.button,.nav-contact,.menu-toggle{border-radius:999px!important}.button{padding:18px 28px;font-size:16px;min-height:56px;justify-content:center}.button,.scenario-tab{position:relative;overflow:hidden;isolation:isolate}.button:focus-visible,.scenario-tab:focus-visible{outline-offset:5px}
.hero-actions{gap:14px}.hero-actions .button{min-width:180px}.hero{border-radius:0;overflow:hidden}.site-header nav{gap:26px}.nav-contact{padding:14px 24px}
.home-page .mortgages{display:block;padding:82px 7%;text-align:center}.home-page .mortgage-heading{max-width:850px;margin:0 auto 36px}.home-page .mortgage-heading h2{font-size:clamp(46px,5.5vw,78px);line-height:1.02}.home-page .mortgage-heading p{margin:20px auto 0;max-width:50ch;font-size:19px;line-height:1.6}.mortgage-options{max-width:850px;margin:auto;background:#f1f7fb;border:1px solid #dce7ed;border-radius:32px;padding:32px}
.scenario-tabs{display:grid;grid-template-columns:1fr 1fr;gap:12px;border:0;max-width:660px;margin:auto}.scenario-tab{border:1px solid #b9cedb;border-radius:999px;background:white;font-size:19px;font-weight:600;padding:18px 20px;color:#25495e;min-height:62px}.scenario-tab.selected{background:#001b2e;border-color:#001b2e;color:white;box-shadow:0 6px 16px #001b2e14}.scenario-tab.selected:after{display:none}.scenario-panel{padding:32px 0 0}.scenario-panel h3{font:600 clamp(25px,3vw,34px)/1.3 'DM Sans',sans-serif;letter-spacing:-.025em}.scenario-panel p{margin:18px auto 24px;max-width:48ch;color:#3c596b;font-size:17px}.scenario-panel .button{font-size:16px}.application-link{font-size:15px;margin:18px auto 0;min-height:44px;display:flex;align-items:center;justify-content:center}
.home-page .upfront{background:white;padding-top:60px;padding-bottom:75px}.upfront-questions{gap:18px}.upfront-questions article{background:#f1f7fb;border:1px solid #dce7ed;border-radius:26px;padding:30px!important}.upfront-questions h3{font-size:23px;line-height:1.3}.upfront-questions p{font-size:16px;line-height:1.65}.upfront-heading>p{margin-left:auto;margin-right:auto}.upfront>.button{margin-top:30px}
.home-page .fast-closings{border-radius:32px;margin:0 4% 50px;padding:60px 5%}.home-page .home-feature{border-radius:32px;margin:0 4%;overflow:hidden}.home-page .lance{padding-top:82px;padding-bottom:82px}.lance-headshot{border-radius:28px}.lance-copy h3{font-size:clamp(30px,3vw,42px);line-height:1.15}.lance-copy p{font-size:17px;line-height:1.7}
.home-page .reviews{display:grid;grid-template-columns:1fr 1fr;gap:24px;padding:65px 6%;align-items:stretch}.reviews-heading{padding:48px 42px;border-radius:30px;background:#001b2e;display:flex;flex-direction:column;justify-content:center;min-height:350px}.reviews-heading>.eyebrow{color:#b6dded;font-size:14px}.reviews-heading h2{font-size:clamp(48px,5.1vw,78px);line-height:1.02;color:white;margin:22px 0}.reviews-heading h2 span{color:#00a6e5}.reviews-heading>p{color:#dfedf4;font-size:18px;line-height:1.6;max-width:28ch}.review-carousel{margin:0;background:#f1f7fb;border:1px solid #dce7ed;border-radius:30px;padding:42px;display:flex;flex-direction:column;justify-content:space-between;min-width:0}.review-carousel .client-quote{border:0;padding:0;min-height:215px;max-width:none}.review-carousel blockquote{font-family:'DM Sans',sans-serif;font-size:clamp(21px,2.2vw,29px);font-weight:500;line-height:1.5;letter-spacing:-.025em}.review-carousel .client-quote p{font-size:15px;line-height:1.6;margin-top:22px}.review-controls{gap:18px;flex-wrap:wrap;margin-top:28px}.review-nav button{width:44px;height:44px;background:white}.review-dots button{min-width:32px;min-height:32px}.reviews>.review-links,.reviews>.review-note{grid-column:1/-1}.reviews>.review-links{margin-top:8px;gap:14px}.review-links>a,.review-links>a+a{border-radius:22px;padding:24px}.reviews>.review-note{margin:0;font-size:14px;line-height:1.7;color:#486475}
.home-page .learning{padding:75px 6%;background:#fff}.learning>h2,.learning>.eyebrow,.learning>.learning-intro{display:block;text-align:center;margin-left:auto;margin-right:auto}.learning>.learning-intro{max-width:44ch}.guide-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.home-page .guide-card{display:flex;flex-direction:column;border:1px solid #d8e3eb;border-radius:28px;background:#f5f8fa;overflow:hidden;padding:0;box-shadow:none;min-width:0}.guide-card-image{display:block;width:100%;height:auto;aspect-ratio:16/10;object-fit:cover;padding:9px;border-radius:28px}.guide-card-copy{padding:22px 25px 24px;display:flex;flex-direction:column;flex:1}.home-page .guide-card h3{font:600 clamp(23px,2.2vw,29px)/1.25 'DM Sans',sans-serif;letter-spacing:-.025em;text-transform:none;max-width:20ch}.home-page .guide-card p{font-size:16px;line-height:1.6;margin-top:14px;margin-bottom:14px;max-width:30ch}.home-page .guide-card span{font-size:15px;font-weight:600;margin-top:auto;min-height:44px;color:#006e99}.guide-card:hover{transform:translateY(-4px);box-shadow:0 12px 28px #001b2e0b}
.faq details,.calendar-shell,.save-contact,.guide-scene,.answer-first,.answer-navigation,.guide-sources,.readiness-section,.guide-body details{border-radius:22px}.home-page .faq{padding-top:65px;padding-bottom:65px}.faq details{border:1px solid #d5e3eb;margin-bottom:12px;padding:0 24px;background:white}.faq summary{min-height:64px;padding-top:18px;padding-bottom:18px}.calendar-header{border-radius:22px 22px 0 0}.guide-scene{transform:none;box-shadow:none}.answer-first{border-top:0;border:1px solid #d5e3eb}.answer-tags span{border-radius:999px;font-size:14px}.guide-navigation a{border-radius:999px}.footer-wordmark{margin:0 -3vw 42px}.footer-wordmark span{font-size:clamp(28px,7.4vw,120px)}.footer-wordmark span+span{font-size:clamp(70px,17vw,270px)}.site-footer{padding-top:38px}.site-footer .licensing,.site-footer .licensing p,.site-footer .footer-states,.site-footer .company-license-details,.site-footer .company-license-details summary,.site-footer .company-license-details li{font-size:15px;line-height:1.65}.site-footer .footer-bottom{padding-bottom:30px}.site-footer .nmls-access{border-radius:18px}.footer-contact h2{font-size:19px}
.water-ripple{position:absolute;pointer-events:none;width:38px;height:38px;border:2px solid currentColor;border-radius:50%;opacity:.25;transform:translate(-50%,-50%) scale(.15);box-shadow:0 0 0 10px #00a6e520,0 0 0 20px #00a6e510;animation:waterRipple .65s ease-out forwards;z-index:-1}@keyframes waterRipple{to{transform:translate(-50%,-50%) scale(7);opacity:0}}
@media(max-width:1000px){.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.reviews-heading,.review-carousel{padding:30px}.site-header nav{gap:18px}}
@media(max-width:700px){.hero{border-radius:0}.hero-actions .button{min-width:0;font-size:15px}.home-page .mortgages{padding:55px 6%}.mortgage-options{padding:22px 18px;border-radius:26px}.scenario-tabs{gap:8px}.scenario-tab{font-size:16px;padding:14px 10px;min-height:54px}.scenario-panel{padding-top:28px}.scenario-panel p{font-size:16px}.home-page .mortgage-heading p{font-size:17px}.home-page .upfront{padding:45px 6% 55px}.upfront-questions article{padding:24px!important}.home-page .fast-closings{margin:0 4% 35px;padding:40px 7%;border-radius:26px}.home-page .home-feature{margin:0 4%;border-radius:26px}.home-page .lance{padding:55px 7%}.home-page .reviews{grid-template-columns:1fr;padding:40px 6%;gap:18px}.reviews-heading{min-height:0;padding:32px}.reviews-heading h2{font-size:52px;margin:16px 0}.review-carousel{padding:28px;min-height:350px}.review-carousel .client-quote{min-height:210px}.review-carousel blockquote{font-size:23px}.reviews>.review-links{grid-template-columns:1fr 1fr;gap:10px}.review-links>a,.review-links>a+a{padding:20px 14px;border-radius:18px}.review-platform,.experience-wordmark{font-size:19px}.review-detail{font-size:14px}.review-action{font-size:14px}.home-page .learning{padding:45px 6%}.guide-grid{grid-template-columns:1fr;gap:20px}.guide-card-copy{padding:20px 24px}.home-page .guide-card h3{font-size:27px}.guide-card-image{aspect-ratio:16/9}.faq details{padding:0 18px}.footer-wordmark{margin-bottom:30px}.site-footer .footer-top{gap:24px}}
@media(prefers-reduced-motion:reduce){.water-ripple{display:none}.guide-card:hover{transform:none}.button,.scenario-tab,.guide-card{transition:none!important}}

/* Full-bleed hero meets the navy strip flush; inset image cards keep a white gutter below. */
.home-page .home-feature{margin-bottom:48px}
@media(max-width:700px){.home-page .home-feature{margin-bottom:32px}}

/* Verification belongs with the company policy links, separate from contact actions. */
.site-footer .footer-compliance{margin:0 auto;padding:22px 0 30px;max-width:1200px;border-top:1px solid #d0dee7}.site-footer .footer-compliance .policy-heading{font-size:16px;font-weight:600;color:#193e55;margin-bottom:18px}.footer-verification{display:flex;align-items:flex-start;justify-content:center;gap:32px;margin:24px auto 0;max-width:850px}.footer-verification .company-license-details{flex:1;max-width:520px;text-align:left}.site-footer .footer-verification .nmls-access{margin-top:0;flex-shrink:0}.site-footer .footer-contact .footer-contact-actions{margin-top:10px}.site-footer .footer-policies{margin-bottom:0}@media(max-width:700px){.footer-verification{flex-direction:column;align-items:center;gap:20px}.footer-verification .company-license-details{width:100%;max-width:100%;text-align:center}.footer-verification .company-license-details ul{text-align:left}.site-footer .footer-compliance{padding-top:20px}.site-footer .footer-compliance .policy-heading{max-width:28ch;margin-left:auto;margin-right:auto}}

.site-footer .footer-company-identity{text-align:center;font-size:15px;line-height:1.65;margin:0 auto 20px;color:#38586b}.footer-contact .footer-address{margin-top:16px;font-size:15px;font-style:normal;line-height:1.65}.site-footer .footer-disclaimer{margin:16px auto 0;max-width:78ch;font-size:15px;line-height:1.75}.site-footer .footer-bottom{padding-bottom:34px}

.guide-image-curb{object-position:50% 0%}.guide-image-fast{object-position:50% 25%}.guide-image-condo{object-position:50% 50%}

/* Full-width contact section joins the footer cleanly; control radii stay rounded. */
.home-page .save-contact{border-radius:0}

/* A consistent centered footer hierarchy across desktop and phone. */
.site-footer{display:flex;flex-direction:column}.site-footer>.footer-wordmark{order:0;width:100%;margin-left:0;margin-right:0;color:#dce5eb;text-shadow:none}.site-footer>.footer-top{order:1;width:100%;display:flex;flex-direction:column;align-items:center;gap:24px;text-align:center}.site-footer .footer-brand{align-self:center;justify-self:center;margin:0 auto}.site-footer .footer-contact{order:1;width:100%;max-width:520px}.site-footer .licensing{order:2;width:100%;max-width:750px}.site-footer .back-top{order:3;align-self:center}.site-footer>.footer-social{order:2;width:100%}.site-footer>.footer-compliance{order:3;width:100%}.site-footer>.footer-bottom{order:4;width:100%}.footer-contact>a,.footer-contact-actions{justify-content:center}.footer-contact .footer-address{text-align:center}.site-footer .footer-states{margin-top:22px}.site-footer .footer-states-label{font-weight:600;font-size:15px;line-height:1.6;margin:0 0 8px}.footer-states ul{list-style:none;display:flex;flex-wrap:wrap;justify-content:center;gap:6px 18px;padding:0;margin:0}.footer-states li{font-size:15px;line-height:1.7;white-space:nowrap}@media(max-width:700px){.site-footer .footer-top{gap:22px}.site-footer .footer-contact{order:1}.site-footer .licensing{order:2}.site-footer .footer-states{margin-top:18px}.footer-states ul{gap:6px 16px}}

/* Keep the background wordmark quiet; lift the original vector logo very subtly. */
.site-footer .footer-brand img{filter:drop-shadow(0 1px 0 #fff) drop-shadow(0 5px 4px #001b2e1c)}

/* Calm at rest; a blue embossed reveal for mouse users. */
@media (hover:hover) and (pointer:fine){
 .site-footer>.footer-wordmark{pointer-events:auto}
 .site-footer>.footer-wordmark span{transition:color .24s ease,text-shadow .24s ease,transform .24s ease}
 .site-footer>.footer-wordmark:hover span{color:#0078a8;text-shadow:0 1px 0 #b6e6f6,0 3px 0 #005b80,0 8px 14px #001b2e20;transform:translateY(-3px)}
}
.site-footer .licensing,.site-footer .footer-states,.site-footer .footer-states-label{text-align:center}
.site-footer .footer-states-label{font-weight:700;font-size:16px}
.site-footer .footer-states ul{justify-content:center;padding:0;margin:0;list-style:none}
.site-footer .footer-states li{font-weight:600;font-size:16px}
.site-footer .footer-states{margin-top:0}
.site-footer .footer-personal-nmls{font-size:14px;line-height:1.6;color:#486475;margin:4px 0 12px}
.site-footer>.footer-address{order:2;text-align:center;font-size:15px;line-height:1.7;font-style:normal;margin:0 auto 28px;color:#486475}
@media(prefers-reduced-motion:reduce){.site-footer>.footer-wordmark span{transition:none!important}.site-footer>.footer-wordmark:hover span{transform:none}}
.site-footer .footer-states{margin-left:auto;margin-right:auto}
.site-footer .licensing .footer-states-label{font-size:16px;font-weight:700;margin:0 auto 8px}
/* Branded destinations share one balanced, touch-friendly profile grid. */
.site-footer .additional-profiles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;width:min(100%,720px);margin:0 auto}
.site-footer .additional-profiles .profile-badge{display:flex;justify-content:center;align-items:center;min-width:0;min-height:64px;max-width:none;padding:14px 18px;border-radius:14px;background:#fff;text-decoration:none}
.site-footer .profile-badge.brand-profile img{width:100%;height:30px;object-fit:contain;max-width:165px}
.site-footer .profile-badge.mnd-badge img{height:36px;max-width:150px}
@media(max-width:700px){.site-footer .additional-profiles{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.site-footer .additional-profiles .profile-badge{padding:12px;min-height:62px}.site-footer .profile-badge.experience-badge img{max-width:100%}}

.site-footer .additional-profiles .mnd-badge{background:#212221;border-color:#212221}

/* Dense contact-card QR uses a precise two-pixel module grid. */
.home-page .save-contact{grid-template-columns:minmax(0,1fr) 338px}
.home-page .save-contact-qr{width:338px;justify-self:center}
.home-page .save-contact-qr img{width:298px;max-width:none;height:298px}
@media(min-width:701px) and (max-width:1000px){.home-page .save-contact{grid-template-columns:1fr;gap:32px}.home-page .save-contact-qr{justify-self:start}}
@media(max-width:700px){.home-page .save-contact{grid-template-columns:1fr}.home-page .save-contact-qr{display:none}}

/* Keep company links together; the verification mark closes the group. */
.site-footer .footer-policies .company-license-details{font-size:15px;line-height:1.7;text-align:center;margin:0;max-width:100%;flex-basis:auto}
.site-footer .footer-policies .company-license-details summary{min-height:44px;display:list-item;align-content:center;text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.site-footer .footer-policies .company-license-details[open]{flex-basis:100%;max-width:560px}
.site-footer .footer-policies .company-license-details ul{list-style:none;padding:12px 0;margin:0}
.site-footer .footer-verification{justify-content:center;align-items:center;width:100%}
.site-footer .footer-verification .nmls-access{margin:0 auto}
@media(min-width:701px){.home-page .site-header nav{gap:16px}.home-page .site-header nav>a{font-size:13px}.home-page .site-header nav .nav-contact{padding:12px 16px}}
@media(min-width:701px) and (max-width:1150px){.home-page .site-header nav{display:none}.home-page .menu-toggle{display:block}}
.guide-header .guide-navigation{flex-wrap:wrap;justify-content:flex-end}

.tool-main{max-width:1040px;margin:0 auto;padding:64px 24px 72px}.tool-intro{max-width:760px;margin-bottom:36px}.tool-intro h1{font:700 clamp(46px,7vw,78px)/1.04 'Barlow Condensed',sans-serif;text-transform:uppercase;color:#001b2e;margin:18px 0}.tool-intro p{font-size:19px;line-height:1.65;max-width:58ch}.tool-panel{background:#f1f7fb;border:1px solid #dce7ed;border-radius:26px;padding:32px}.tool-panel h2,.tool-budget h2{font:600 28px/1.25 'DM Sans',sans-serif;letter-spacing:-.025em;margin:0 0 16px}.tool-note{font-size:16px;line-height:1.65;max-width:68ch;margin:18px 0}.calculator-embed{max-width:900px;margin:26px auto;background:white;border-radius:16px;overflow:hidden}.tool-provider{font-size:14px;line-height:1.6;color:#486475}.tool-budget{margin-top:32px;padding:30px;border-radius:24px;background:#001b2e;color:white}.tool-budget h2{color:white}.tool-budget p{font-size:17px;line-height:1.7;max-width:60ch}.tool-budget a{display:inline-block;color:#bdeeff;min-height:44px;padding-top:16px;text-decoration:underline}.tool-page .guide-header{height:auto;min-height:112px}
@media(max-width:700px){.tool-main{padding:36px 18px 48px}.tool-panel{padding:20px 0}.tool-panel>h2,.tool-panel>p{margin-left:18px;margin-right:18px}.tool-intro p{font-size:17px}.calculator-embed{margin:22px auto;width:280px;max-width:100%;border-radius:0}.tool-budget{padding:24px}.guide-header{height:auto;min-height:112px}.guide-header .guide-navigation{gap:10px 16px;max-width:65%;font-size:13px}}

.tools-menu{position:relative;white-space:nowrap}.tools-menu summary{cursor:pointer;min-height:44px;display:flex;align-items:center;gap:6px}.tools-menu summary:after{content:'⌄';font-size:14px}.tools-menu summary::-webkit-details-marker{display:none}.tools-menu-links{position:absolute;top:100%;right:0;z-index:30;min-width:215px;padding:10px;background:white;border:1px solid #dce7ed;border-radius:16px;box-shadow:0 12px 30px #001b2e18}.tools-menu-links a{display:flex;align-items:center;min-height:48px;padding:10px 14px;color:#001b2e;text-decoration:none}.tools-menu-links a:hover,.tools-menu-links a:focus-visible{background:#eef7fc;border-radius:10px}.home-page .site-header .tools-menu{font-size:13px}
.market-panel{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:40px;align-items:start;padding:32px;border:1px solid #dce7ed;border-radius:26px;background:#f1f7fb;margin:0 0 30px}.market-copy h2{font:600 34px/1.15 'DM Sans',sans-serif;letter-spacing:-.035em;margin:18px 0}.market-copy p{font-size:17px;line-height:1.7;max-width:48ch}.market-copy details{margin-top:24px;background:white;padding:18px;border:1px solid #dce7ed;border-radius:16px}.market-copy summary{cursor:pointer;font-weight:600;line-height:1.5}.market-copy details p{font-size:16px;margin-top:14px}.market-widget{width:300px;background:#fff;border-radius:14px;overflow:hidden}.market-bonds{background:#fff}.tool-crosslink{margin-top:24px;font-size:16px}.tool-crosslink a{text-decoration:underline}
@media(max-width:800px){.market-panel{grid-template-columns:1fr;gap:24px;padding:24px}.market-widget{justify-self:center}.market-copy h2{font-size:30px}}
@media(max-width:380px){.market-page .tool-main{padding-left:10px;padding-right:10px}.market-panel{padding:20px 0}.market-copy{padding:0 16px}.market-widget{border-radius:0}.market-page .tool-intro{padding:0 8px}}

@media(max-width:380px){.market-panel{border-left:0;border-right:0}}

.market-reading{margin:34px 0;padding:30px;border-top:1px solid #dce7ed;border-bottom:1px solid #dce7ed}.market-reading h2{font:600 28px/1.25 'DM Sans',sans-serif;margin:14px 0 24px}.market-reading-links{display:grid;grid-template-columns:1fr 1fr;gap:16px}.market-reading-links a{display:flex;flex-direction:column;gap:10px;padding:22px;background:#f1f7fb;border:1px solid #dce7ed;border-radius:18px;text-decoration:none;color:#001b2e}.market-reading-links strong{font-size:17px;color:#006e99}.market-reading-links span,.market-reading>p{font-size:15px;line-height:1.65}.market-reading>p{margin-top:18px;color:#486475}.market-reading-links a:hover{background:#e4f2f9}@media(max-width:700px){.market-reading{padding:26px 0}.market-reading-links{grid-template-columns:1fr}}

.client-menu .tools-menu-links{min-width:255px}.mobile-client-links{display:grid;gap:4px;border-top:1px solid #dce7ed;padding-top:18px;margin-top:4px}.mobile-client-links>span{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:#486475}.mobile-client-links a{display:flex;align-items:center;min-height:44px;padding:8px 0}.guide-header .client-menu{font-size:14px}@media(max-width:700px){.guide-header .tools-menu-links{max-width:calc(100vw - 28px);min-width:220px}.guide-header .client-menu{font-size:13px}}