/* Editorial, mobile-first reading layer. All content remains ordinary HTML. */
:root{--ink-muted:#3c596b;--line:#c7dce8;--paper:#f4f8fb}
html{scroll-padding-top:130px}body{overflow-wrap:break-word}p{max-width:70ch}figure{margin:0}input,summary,a,button{touch-action:manipulation}
.guide-page{background:var(--paper)}.guide-header{box-shadow:0 4px 20px #001b2e09}.guide-hero{display:grid;grid-template-columns:1.1fr .9fr;gap:45px;padding:55px 7% 80px;align-items:center;overflow:hidden;background:radial-gradient(ellipse at 20% 0,#064160,transparent 70%),#001b2e}.guide-hero-copy{position:relative;z-index:1}.guide-hero h1{font-size:clamp(54px,6.4vw,90px);letter-spacing:-.01em;line-height:.98}.guide-hero-copy>p{font-size:19px;color:#dcecf4;max-width:48ch}.guide-scene{position:relative;border-radius:8px;overflow:hidden;box-shadow:16px 18px 0 #00a6e51c,0 20px 40px #0004;transform:rotate(1deg);aspect-ratio:4/3}.guide-scene img{width:100%;height:100%;object-fit:cover}.guide-scene figcaption{position:absolute;bottom:0;left:0;right:0;padding:20px;background:linear-gradient(transparent,#001b2ec9);color:#fff;font-size:12px;letter-spacing:.05em}.answer-first{position:relative;z-index:2;max-width:1010px;margin:-30px auto 0;padding:34px 40px;background:white;border-top:4px solid var(--blue);box-shadow:0 14px 38px #001b2e0d;border-radius:4px}.answer-first>.eyebrow{color:#00719e;font-size:11px}.answer-first>p:not(.answer-author){font-size:clamp(20px,2.2vw,27px);line-height:1.5;font-weight:500;margin:12px 0 22px;max-width:65ch}.answer-tags{display:flex;flex-wrap:wrap;gap:9px}.answer-tags span{padding:7px 13px;border:1px solid #d5e7f1;border-radius:30px;font-size:12px;color:#36596f}.answer-first .answer-author{font-size:12px;color:#4c6779;margin-top:20px}.guide-body{max-width:1090px;padding-top:28px}.answer-navigation{margin:0 0 32px;padding:8px 22px;border-bottom:1px solid var(--line)}.answer-navigation summary{min-height:48px;padding:12px 0;font-weight:700;cursor:pointer}.answer-navigation nav{display:grid;grid-template-columns:1fr 1fr;gap:8px 24px;padding:14px 0 22px}.answer-navigation a{font-size:14px;min-height:44px;display:flex;align-items:center;text-decoration:none;border-bottom:1px solid #d9e6ee}.guide-chapter{padding:38px 40px;margin-bottom:32px;border-radius:8px;background:white;box-shadow:0 7px 24px #001b2e04}.guide-chapter h2{font:700 clamp(26px,3vw,36px)/1.22 var(--sans);letter-spacing:-.035em;max-width:27ch;margin-bottom:22px}.guide-chapter>p{max-width:65ch;font-size:17px;line-height:1.8}.guide-chapter.chapter-1{background:#04293c}.guide-chapter.chapter-2{background:#e3f3fa}.concept-card{border-top-width:3px;border-radius:4px;box-shadow:0 6px 18px #001b2e08}.concept-card h3{font:700 23px/1.2 var(--sans);letter-spacing:-.025em}.concept-card p{line-height:1.75}.chapter-label{letter-spacing:.12em}.guide-chapter .guide-callout{border-radius:3px;font-size:20px;line-height:1.6}.guide-sources{padding-top:12px}.source-disclosure{background:#fff}.guide-next h2{font:700 28px/1.2 var(--sans);letter-spacing:-.03em}.guide-next{padding-bottom:18px}.reading-progress{height:3px;position:fixed;top:0;left:0;right:0;z-index:40;pointer-events:none}.reading-progress span{display:block;width:100%;height:100%;background:#00a6e5;transform:scaleX(0);transform-origin:left center}
.home-page .mortgage-heading p,.home-page .lance-copy p{max-width:60ch}.home-page .clarity-plan{background:linear-gradient(130deg,#fff,#f0f7fb)}.editorial-line{display:block;width:60px;height:4px;background:#00a6e5;margin-bottom:25px}.clarity-row{border-radius:5px}.guide-card{position:relative;border-radius:7px;box-shadow:0 8px 22px #001b2e08;border-top:0;border-bottom:3px solid #00a6e5;transition:transform .18s,box-shadow .18s}.guide-card:hover{box-shadow:0 16px 32px #001b2e12}.guide-card h3{font-size:31px;letter-spacing:.005em}.guide-card span{min-height:44px;display:flex;align-items:center}.home-page .learning{background:#e9f4fa}.site-footer p{margin-left:auto;margin-right:auto}.brand img{image-rendering:auto}.calendar-shell,#calendar-embed{min-width:0;width:100%}.guide-return a{font-size:15px}.button{min-height:48px}
@media(max-width:800px){html{scroll-padding-top:125px}.guide-hero{grid-template-columns:1fr;gap:25px;padding:38px 7% 57px}.guide-hero h1{font-size:clamp(48px,12vw,68px);line-height:1;margin:16px 0 20px}.guide-hero-copy>p{font-size:17px;line-height:1.65}.guide-scene{aspect-ratio:2.5/1;transform:none;box-shadow:8px 9px 0 #00a6e525}.guide-scene figcaption{font-size:10px;padding:12px 16px}.answer-first{margin:-23px 16px 0;padding:25px 24px}.answer-first>p:not(.answer-author){font-size:20px;line-height:1.6}.answer-tags{gap:7px}.answer-tags span{font-size:11px;padding:6px 10px}.guide-body{padding:22px 16px 50px}.answer-navigation{padding:5px 10px;margin-bottom:22px}.answer-navigation nav{grid-template-columns:1fr}.guide-chapter{padding:28px 23px;margin-bottom:24px}.guide-chapter h2{font-size:27px;line-height:1.25;max-width:25ch}.guide-chapter>p{font-size:16px;line-height:1.8}.concept-card h3{font-size:22px}.concept-card p,.comparison-list li{font-size:16px}.concept-card{padding:22px}.guide-chapter .guide-callout{font-size:18px;line-height:1.7;padding:24px}.guide-sources,.guide-next{padding-left:7px;padding-right:7px}.guide-header .brand{width:118px}.guide-navigation{gap:10px}.guide-navigation a{font-size:12px}.site-header .brand{width:165px}.home-page .learning h2,.home-page .clarity-intro h2{font-size:clamp(38px,10.5vw,60px)}.guide-grid{gap:18px}.guide-card{padding:26px}.guide-card h3{font-size:30px}.guide-card p{font-size:16px;line-height:1.75}.home-page .lance-copy p{line-height:1.8}.hero .hero-copy{bottom:112px}.hero .hero-description{margin-top:24px}.hero-learn-link{margin-bottom:12px}.hero .hero-actions .button{gap:12px}.review-dots{flex-wrap:wrap}}
@media(max-width:360px){.guide-header .brand{width:105px}.guide-navigation{gap:8px}.guide-navigation a{font-size:11px}.answer-first{padding:23px 20px}.guide-chapter{padding:26px 20px}.hero-actions .button{padding-left:13px;padding-right:13px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.guide-card,.guide-scene{transform:none!important;transition:none!important}.reading-progress{display:none}}
/* Findings from contrast and narrow-screen source audit. */
.guide-body .button-navy{color:#fff;text-decoration:none}.guide-body .button-blue{color:#001b2e;text-decoration:none}.skip-link{z-index:100}.mortgage-heading h2 span,.upfront h2 span,.reviews h2 span,.scheduling h2 span,.lance-name h2 span,.clarity-intro h2 span,.learning h2 span{color:#0078a8}.contact h2 span{color:#001b2e}.mobile-nav a,.skip-film,.back-top,.company-license-details summary{min-height:44px;display:flex;align-items:center}.company-license-details summary{justify-content:center}.guide-chapter{scroll-margin-top:130px}.chapter-0{box-shadow:none;background:transparent}.chapter-0 .concept-card{box-shadow:0 5px 20px #001b2e06}.guide-sources>p{max-width:65ch}.source-disclosure summary{list-style:revert}
@media(max-width:700px){.guide-body{padding-left:14px;padding-right:14px}.guide-chapter{padding-left:22px;padding-right:22px}.guide-chapter>p,.concept-card p,.comparison-list li,.prep-checks label{font-size:17px;line-height:1.7}.concept-grid{gap:0}.concept-grid .concept-card{padding:24px 0;border:0;border-top:1px solid #b5d5e5;background:transparent;box-shadow:none}.concept-grid .concept-card:first-child{border-top:0}.concept-mark{background:white}.concept-grid .concept-card h3{font-size:24px}.seller-options,.program-grid{margin-left:-10px;margin-right:-10px}.seller-options .concept-card,.program-grid .concept-card{padding:22px 18px}.prep-branches details{margin-left:-10px;margin-right:-10px}.prep-branches .prep-checks label{padding:15px 12px}.guide-chapter .prep-checks{margin-left:-8px;margin-right:-8px}.prep-summary-description{font-size:15px}.guide-scene{aspect-ratio:2.7/1}.chapter-label{font-size:10px}.guide-card:hover{transform:none}}
@media(max-height:500px){.guide-header{position:relative}.reading-progress{display:none}html{scroll-padding-top:20px}}
/* Preserve contrast when cards become open reading rows. */
.lance-name h2 span{color:#00a6e5}
@media(max-width:700px){.chapter-1 .concept-grid .concept-card{color:#e5f2f8;border-color:#4d7489}.chapter-1 .concept-mark{color:#001b2e;background:#fff}}

.simple-fee-rows{display:grid;gap:12px;margin:28px 0}.simple-fee-rows>div{display:flex;gap:20px;align-items:center;padding:20px;background:#103c53;border-radius:5px}.simple-fee-rows>div>strong{font:700 44px/1 var(--display);color:#72d9ff;min-width:40px;text-align:center}.simple-fee-rows p{margin:0!important;color:#e8f5fb;font-size:16px;line-height:1.6}.simple-fee-rows b{color:#fff}.comparison-extra{margin-top:24px;border-top:1px solid #4d7388;padding-top:12px}.comparison-extra summary{cursor:pointer;font-weight:700;min-height:48px;padding:12px 0}.comparison-extra p{font-size:16px;line-height:1.75;margin-top:16px}@media(max-width:700px){.simple-fee-rows>div{padding:19px 16px;gap:16px}.simple-fee-rows>div>strong{font-size:38px;min-width:30px}}

.guide-scene.seattle-skyline img{object-position:75% 83%}@media(max-width:800px){.guide-scene.seattle-skyline{aspect-ratio:2/1}.guide-scene.seattle-skyline img{object-position:center 78%}}

/* Approved portrait beside Lance’s bio, with its original proportions. */
.lance-headshot{display:block;width:100%;max-width:340px;height:auto;margin-top:28px;border-radius:8px}
@media(max-width:700px){.lance-headshot{max-width:300px}}

/* v27: a quiet, readable footer and lower-density homepage. */
.site-footer{background:#f5f8fa;padding:64px 7% 0;color:#001b2e;overflow:hidden}
.site-footer .footer-top{display:grid;grid-template-columns:minmax(180px,.8fr) minmax(230px,1.2fr) minmax(250px,1fr);align-items:start;gap:42px;text-align:left;padding-bottom:36px}
.site-footer .footer-brand{width:230px;max-width:100%;justify-self:start}
.site-footer .brand-nmls{font-size:14px;line-height:1.5}
.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:16px;line-height:1.7;color:#193e55;letter-spacing:0}
.site-footer .licensing p{margin:0 0 16px}.site-footer .company-license-details summary{min-height:48px;cursor:pointer;padding:8px 0}
.site-footer .back-top{grid-column:1/-1;justify-self:center;min-height:44px;display:flex;align-items:center;font-size:15px}
.footer-contact{min-width:0}.footer-contact h2{font-family:'DM Sans',sans-serif;font-size:20px;letter-spacing:0;line-height:1.4;margin:0 0 12px}
.footer-contact>a{display:flex;align-items:center;min-height:44px;line-height:1.6}.footer-phone{font-size:24px;font-weight:600}.footer-email{font-size:15px;overflow-wrap:anywhere}
.footer-contact-actions{display:flex;flex-wrap:wrap;gap:10px 20px;font-size:16px}.footer-contact-actions a{display:inline-flex;align-items:center;min-height:48px;text-decoration:underline;text-underline-offset:4px}
.site-footer .nmls-access{display:flex;gap:12px;align-items:center;width:fit-content;min-height:64px;margin-top:18px;padding:12px 16px;background:white;border:1px solid #c7d5df;border-radius:7px;color:#001b2e;text-decoration:none;font-size:15px;line-height:1.35}
.nmls-access-name{font-family:'DM Sans',sans-serif;font-size:25px;font-weight:700;letter-spacing:-.03em}.nmls-access small{font-size:14px;color:#38586b}
.site-footer .footer-social>span,.site-footer .policy-heading{font-size:15px;line-height:1.6;color:#38586b}.site-footer .additional-profiles,.site-footer .footer-policies{font-size:15px;line-height:1.7}
.site-footer .additional-profiles>a,.site-footer .footer-policies>a{min-height:44px;display:inline-flex;align-items:center}.site-footer .social-icons>a{width:48px;height:48px}
.site-footer .footer-bottom{font-size:15px;line-height:1.75;color:#38586b;padding-bottom:24px}.site-footer .footer-bottom p{font-size:15px;line-height:1.75;max-width:78ch}.site-footer .footer-address{font-size:16px;line-height:1.7;color:#193e55}.site-footer .footer-copyright,.site-footer .footer-final-name{font-size:15px;line-height:1.6}
.footer-wordmark{position:relative;margin:28px -3vw 0;text-align:center;color:#dce5eb;font-family:'Barlow Condensed',sans-serif;font-weight:700;line-height:.85;letter-spacing:-.015em;pointer-events:none;user-select:none}
.footer-wordmark span{display:block;font-size:clamp(30px,8.1vw,140px);white-space:nowrap}.footer-wordmark span+span{font-size:clamp(76px,20vw,340px);margin-top:8px}
.home-page .mortgage-heading p{max-width:34ch}.home-page .upfront-heading>p{max-width:30ch}.home-page .upfront-questions p{max-width:32ch}.home-page .learning>p{max-width:35ch}.home-page .lance-copy p{max-width:45ch}.home-page .guide-card p{font-size:16px;line-height:1.6}.home-page .lance-headshot{margin-top:24px}
@media(max-width:1000px){.site-footer .footer-top{grid-template-columns:1fr 1fr;gap:32px}.site-footer .footer-brand{grid-column:1/-1;justify-self:center}.site-footer .back-top{grid-column:1/-1}}
@media(max-width:700px){.site-footer{padding:44px 7% 0}.site-footer .footer-top{grid-template-columns:1fr;text-align:center;gap:28px}.site-footer .footer-brand{width:220px}.site-footer .licensing{width:100%}.footer-contact>a,.footer-contact-actions{justify-content:center}.site-footer .nmls-access{margin:18px auto 0}.site-footer .footer-policies{gap:10px 18px}.site-footer .footer-bottom p{font-size:15px}.footer-wordmark{margin-top:22px}}

.site-footer .nmls-access{flex-direction:column;align-items:flex-start;gap:8px;padding:14px 16px}.nmls-mark{display:flex;align-items:center;gap:8px}.nmls-mark img:first-child{width:53px;height:auto}.nmls-mark img+img{width:151.8px;height:auto}.nmls-verify-label{font-size:15px;line-height:1.5}@media(max-width:700px){.site-footer .nmls-access{align-items:center}}