:root{
  --navy:#0F2E4D; --navy2:#16406B; --ink:#132029; --muted:#5A6B78;
  --bg:#F5F8FB; --card:#FFFFFF; --line:#E3EAF1; --accent:#0E9F6E; --accent2:#0A7A55;
  --warn:#C0492B; --winbg:#E9F8F1; --winline:#0E9F6E; --chip:#EEF3F8;
  --bar:#16406B; --barwin:#0E9F6E; --soft:#F0F6FB; --softline:#D5E4F0;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  line-height:1.55;-webkit-font-smoothing:antialiased}
.wrap{max-width:1080px;margin:0 auto;padding:0 16px}
.wrap-narrow{max-width:760px;margin:0 auto;padding:0 16px}
a{color:var(--navy2)}

/* ---------- Header / nav ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(15,46,77,.97);
  backdrop-filter:saturate(140%) blur(6px);color:#fff;border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;gap:18px;height:60px}
.brand{display:flex;align-items:center;gap:10px;font-weight:700;font-size:18px;letter-spacing:-.2px;
  color:#fff;text-decoration:none;white-space:nowrap}
.brand .logo{width:30px;height:30px;flex:none;display:block}
.nav-links{display:flex;align-items:center;gap:6px;margin-left:auto;overflow-x:auto}
.nav-links a{color:#C7D6E4;text-decoration:none;font-size:14px;font-weight:600;
  padding:8px 12px;border-radius:8px;white-space:nowrap}
.nav-links a:hover{color:#fff;background:rgba(255,255,255,.08)}
.nav-links a.active{color:#fff;background:rgba(14,159,110,.22);box-shadow:inset 0 0 0 1px rgba(14,159,110,.5)}
.nav-cta{background:var(--accent);color:#021a10;text-decoration:none;font-weight:700;font-size:14px;
  padding:8px 14px;border-radius:8px;white-space:nowrap}
.nav-cta:hover,.nav-cta[aria-current]{background:#fff;color:var(--navy)}
@media(max-width:600px){
  .nav{flex-wrap:wrap;height:auto;gap:4px;padding-top:10px;padding-bottom:8px}
  .brand{margin-right:auto}
  .nav-cta{order:2}
  .nav-links{order:3;margin-left:-12px;width:calc(100% + 12px)}
  .nav-links a{font-size:14px;padding:8px 12px}
}
@media(max-width:360px){ .brand span{display:none} }

/* ---------- Heroes ---------- */
.hero{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:34px 0 38px}
.hero h1{font-size:32px;line-height:1.14;margin:8px 0 10px;letter-spacing:-.5px}
.hero p{margin:0;color:#C7D6E4;font-size:17px;max-width:660px}
.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:1.4px;color:var(--accent);font-weight:800;margin:0}
.page-hero{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:38px 0 40px}
.page-hero h1{font-size:34px;line-height:1.12;margin:10px 0 12px;letter-spacing:-.5px;max-width:820px}
.page-hero p{margin:0;color:#C7D6E4;font-size:18px;max-width:720px}

/* ---------- Buttons ---------- */
.btn{display:inline-block;text-decoration:none;font-weight:700;font-size:15px;border-radius:10px;
  padding:12px 20px;cursor:pointer;border:0}
.btn-accent{background:var(--accent);color:#021a10}
.btn-accent:hover{background:var(--accent2);color:#fff}
.btn-ghost{background:transparent;color:#fff;box-shadow:inset 0 0 0 1.5px rgba(255,255,255,.35)}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}

/* ---------- Cards / layout ---------- */
main{padding:26px 0 40px}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px}
.card h2{font-size:13px;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin:0 0 16px}
.grid{display:grid;grid-template-columns:340px 1fr;gap:22px;align-items:start}
/* grid items default to min-width:auto, which lets the wide tables (meant to scroll inside
   their own boxes) stretch the whole column and zoom the page out on phones */
.grid>*{min-width:0}
@media(max-width:860px){.grid{grid-template-columns:1fr}}
/* phones: keep the decision number (Effective APR) on screen without sideways scrolling */
@media(max-width:600px){
  #resultsTable{min-width:0}
  #resultsTable th:nth-child(2),#resultsTable td:nth-child(2),
  #resultsTable th:nth-child(4),#resultsTable td:nth-child(4){display:none}
}
/* anchor jumps land below the sticky header (taller two-row header on phones) */
[id]{scroll-margin-top:76px}
@media(max-width:600px){[id]{scroll-margin-top:112px}}

/* ---------- Calculator ---------- */
label{display:block;font-size:14px;font-weight:600;color:var(--muted);margin:14px 0 5px}
label:first-of-type{margin-top:0}
input[type=text]{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:9px;
  font-size:16px;color:var(--ink);background:#fff}
input[type=text]:focus{outline:none;border-color:var(--navy2);box-shadow:0 0 0 3px rgba(22,64,107,.12)}
.slider-row{display:flex;justify-content:space-between;align-items:baseline}
.slider-val{font-weight:700;color:var(--navy);font-size:15px}
input[type=range]{width:100%;accent-color:var(--accent);margin:6px 0 2px}
.hint{font-size:13px;color:var(--muted);margin-top:2px}
.results h2{font-size:13px;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin:0 0 4px}
.lead{font-size:16px;color:var(--ink);margin:0 0 16px}
.lead b{color:var(--accent2)}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0 -4px;padding:0 4px}
.table-scroll table{min-width:560px}
table{width:100%;border-collapse:collapse;font-size:15px}
thead th{text-align:right;font-size:12px;text-transform:uppercase;letter-spacing:.6px;color:var(--muted);
  padding:0 8px 8px;border-bottom:1px solid var(--line);font-weight:700}
thead th:first-child{text-align:left}
tbody td{padding:12px 8px;border-bottom:1px solid var(--line);text-align:right;vertical-align:middle}
tbody td:first-child{text-align:left;font-weight:600}
tbody tr.win{background:var(--winbg)}
tbody tr.win td:first-child::before{content:"\25B8 ";color:var(--accent)}
tbody tr.base td{color:var(--muted);font-style:italic}
.apr{font-weight:800;font-size:16px;color:var(--navy)}
.win .apr{color:var(--accent2)}
.barwrap{height:8px;background:var(--chip);border-radius:6px;overflow:hidden;min-width:70px;margin-top:6px}
.bar{height:100%;background:var(--bar);border-radius:6px}
.win .bar{background:var(--barwin)}
.tag{display:inline-block;font-size:11px;color:var(--muted);background:var(--chip);
  border-radius:20px;padding:2px 9px;margin-left:6px;font-weight:600;font-style:normal}
details.terms-wrap{margin-top:18px;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:0}
details.terms-wrap summary{cursor:pointer;padding:16px 20px;font-weight:700;font-size:14px;color:var(--navy);list-style:none}
details.terms-wrap summary::-webkit-details-marker{display:none}
details.terms-wrap summary::before{content:"\2699  "}
.terms{padding:0 20px 18px;overflow-x:auto}
.terms table{font-size:13px;min-width:640px}
.terms td,.terms th{text-align:center;padding:6px}
.terms th:first-child,.terms td:first-child{text-align:left}
.terms input{width:74px;padding:6px;border:1px solid var(--line);border-radius:7px;text-align:center;font-size:13px}
.callout{background:var(--soft);border:1px solid var(--softline);border-left:4px solid var(--navy2);
  border-radius:10px;padding:14px 16px;margin-top:18px;font-size:15px;color:var(--ink)}
.disclaimer{font-size:13px;color:var(--muted);margin-top:26px;padding-top:18px;border-top:1px solid var(--line)}
.disclaimer b{color:var(--warn)}

/* ---------- Calculator: eligibility, quotes, sources ---------- */
.subhead{font-size:13px;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin:22px 0 8px;font-weight:700}
.plist{list-style:none;margin:0;padding:0}
.plist li{padding:12px 0;border-top:1px solid var(--line);font-size:15px}
.plist li:first-child{border-top:0}
.plist .pname{font-weight:700;color:var(--ink)}
.plist .why{color:var(--muted);display:block;margin-top:2px}
.plist .ceiling{display:block;margin-top:4px;color:var(--ink)}
.plist.inelig .pname,.plist.inelig .plink{color:var(--muted);font-weight:600}
.levnote{font-size:14px;color:var(--muted);margin:14px 0 0;line-height:1.5}
.linkbtn{background:none;border:0;padding:0;color:var(--navy2);text-decoration:underline;cursor:pointer;font:inherit}
.terms-tools{display:flex;flex-wrap:wrap;gap:14px;align-items:center;padding:0 20px 16px;font-size:14px;color:var(--muted)}
.terms-tools input{width:110px;padding:7px 8px;border:1px solid var(--line);border-radius:7px;font-size:14px}
.terms select{padding:6px;border:1px solid var(--line);border-radius:7px;font-size:13px;background:#fff}
.sources{margin-top:18px}
.sources h2{margin-bottom:6px}
.sources .intro{font-size:15px;color:var(--ink);margin:0 0 12px}
.src-item{padding:14px 0;border-top:1px solid var(--line);font-size:15px}
.src-item h3{margin:0 0 4px;font-size:16px;color:var(--ink)}
.src-item p{margin:0 0 6px;color:var(--ink)}
.src-item .srcs{font-size:14px;color:var(--muted)}
.src-item .srcs a{margin-right:10px}
.flag{display:inline-block;font-size:12px;font-weight:700;border-radius:20px;padding:2px 9px;margin-left:6px;
  background:#FFF4D6;color:#7A5300;vertical-align:middle}
.hero .reviewed,.page-hero .reviewed{font-size:14px;color:#C7D6E4;margin-top:14px}
.reviewed-dark{font-size:14px;color:var(--muted);margin:0 0 6px}

/* ---------- Prose (article pages) ---------- */
.prose{font-size:18px;color:var(--ink)}
.prose h2{font-size:26px;line-height:1.2;letter-spacing:-.3px;margin:38px 0 12px;color:var(--navy)}
.prose h3{font-size:20px;line-height:1.25;margin:26px 0 8px;color:var(--ink)}
.prose p{margin:0 0 16px}
.prose ul,.prose ol{margin:0 0 18px;padding-left:22px}
.prose li{margin:0 0 8px}
.prose strong{color:var(--ink)}
.prose .keytake{background:var(--soft);border:1px solid var(--softline);border-left:4px solid var(--accent);
  border-radius:10px;padding:16px 18px;margin:22px 0;font-size:16px}
.prose .keytake b{color:var(--accent2)}
.prose .warnbox{background:#FCF3F0;border:1px solid #EFD6CE;border-left:4px solid var(--warn);
  border-radius:10px;padding:16px 18px;margin:22px 0;font-size:16px}
.toc{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin:0 0 8px}
.toc h2{font-size:12px;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin:0 0 10px}
.toc ol{margin:0;padding-left:20px;font-size:15px}
.toc li{margin:6px 0}
.toc a{text-decoration:none}.toc a:hover{text-decoration:underline}

/* comparison table in prose */
.ctable{width:100%;border-collapse:collapse;font-size:15px;margin:8px 0 22px}
.ctable th,.ctable td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.ctable thead th{background:var(--soft);font-size:13px;text-transform:uppercase;letter-spacing:.5px;color:var(--navy)}
.ctable td:first-child{font-weight:600}

/* ---------- HEI University ---------- */
.modules{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin:8px 0 10px}
@media(max-width:720px){.modules{grid-template-columns:1fr}}
.module{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px;display:flex;flex-direction:column;gap:10px}
.module .num{width:34px;height:34px;border-radius:9px;background:var(--soft);color:var(--navy);
  display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px}
.module h3{margin:0;font-size:19px;color:var(--ink)}
.module p{margin:0;font-size:15px;color:var(--muted)}
.module .lessons{margin:6px 0 0;padding-left:18px;font-size:14px;color:var(--ink)}
.module .lessons li{margin:5px 0}
.lesson{background:var(--card);border:1px solid var(--line);border-radius:12px;margin:0 0 12px;overflow:hidden}
.lesson summary{cursor:pointer;padding:16px 18px;font-weight:700;font-size:17px;color:var(--navy);list-style:none;
  display:flex;justify-content:space-between;align-items:center;gap:12px}
.lesson summary::-webkit-details-marker{display:none}
.lesson summary::after{content:"+";font-size:22px;color:var(--muted);font-weight:400}
.lesson[open] summary::after{content:"\2013"}
.lesson .body{padding:0 18px 18px;font-size:16px;color:var(--ink)}
.lesson .body p{margin:0 0 12px}
.lesson .body ul{margin:0 0 12px;padding-left:20px}

/* ---------- Next step + review form ---------- */
.next-step{margin-top:18px}
.next-step h3{font-size:20px;margin:0 0 4px;color:var(--ink)}
.next-step p{margin:0 0 10px;font-size:16px}
.save-row{padding-bottom:18px;margin-bottom:20px;border-bottom:1px solid var(--line)}
.save-row .btn-row{margin-top:10px}
.btn-soft{background:var(--chip);color:var(--navy);box-shadow:inset 0 0 0 1px var(--line)}
.btn-soft:hover{background:#E1EAF3}
.review-intro{color:var(--ink)}
.lead-form{margin-top:6px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
.form-grid>div{margin-top:14px}
.form-grid label{margin-top:0}
@media(max-width:600px){.form-grid{grid-template-columns:1fr}}
.lead-form input[type=email],.lead-form input[type=tel],.lead-form select,.lead-form textarea{width:100%;padding:11px 12px;
  border:1px solid var(--line);border-radius:9px;font-size:16px;color:var(--ink);background:#fff;font-family:inherit}
.lead-form textarea{resize:vertical;min-height:96px}
.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{outline:none;border-color:var(--navy2);box-shadow:0 0 0 3px rgba(22,64,107,.12)}
.lead-form fieldset.stage{border:0;padding:0;margin:16px 0 0}
.lead-form legend{font-size:14px;font-weight:600;color:var(--muted);padding:0;margin-bottom:2px}
.lead-form label.radio,.lead-form label.check{display:flex;gap:10px;align-items:center;font-size:16px;font-weight:500;
  color:var(--ink);margin:8px 0;cursor:pointer}
.lead-form label.check{margin-top:16px}
.lead-form input[type=radio],.lead-form input[type=checkbox]{width:18px;height:18px;accent-color:var(--accent);flex:none;margin:0}
.opt{font-weight:400}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.lead-form .btn{margin-top:16px;font-size:16px}
.lead-form .btn:disabled{opacity:.6;cursor:wait}
.form-status{color:var(--warn);font-weight:600;margin:10px 0 0;font-size:15px}
.form-status:empty{display:none}
.form-fine{font-size:13px;color:var(--muted);margin:10px 0 0}
.scenario-note{background:var(--winbg);border:1px solid #BFE8D6;color:var(--accent2);border-radius:9px;
  padding:10px 12px;font-size:15px;font-weight:600;margin:0 0 4px}
.form-done{background:var(--winbg);border:1px solid #BFE8D6;border-radius:12px;padding:18px;font-size:16px;margin-top:8px}
.form-done p{margin:0 0 6px}

/* ---------- Contact page ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 320px;gap:22px;align-items:start}
.contact-grid>*{min-width:0}
@media(max-width:860px){.contact-grid{grid-template-columns:1fr}}
.contact-side{display:flex;flex-direction:column;gap:16px}
.contact-side p{margin:0;font-size:16px}
.steps{margin:0;padding-left:20px;font-size:16px}
.steps li{margin:0 0 10px}

/* ---------- Team (about page) ---------- */
.team{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:10px 0 22px}
.member{margin:0;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px 12px 16px;text-align:center}
.member img{width:120px;height:120px;display:block;margin:0 auto 10px}
.member figcaption{font-weight:700;font-size:18px;color:var(--ink)}
@media(max-width:480px){
  .team{gap:10px}
  .member{padding:14px 6px 12px}
  .member img{width:84px;height:84px}
}

/* ---------- CTA band ---------- */
.ctaband{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;border-radius:16px;
  padding:30px 28px;margin:34px 0 8px;text-align:center}
.ctaband h2{font-size:24px;margin:0 0 8px;color:#fff;letter-spacing:-.3px}
.ctaband p{margin:0 auto 4px;color:#C7D6E4;max-width:560px;font-size:16px}

/* ---------- Footer ---------- */
.site-footer{background:#0B2540;color:#AFC2D4;margin-top:40px;padding:34px 0 40px;font-size:14px}
.foot-grid{display:flex;flex-wrap:wrap;gap:30px;justify-content:space-between}
.site-footer a{color:#C7D6E4;text-decoration:none;display:block;margin:6px 0}
.site-footer a:hover{color:#fff}
.foot-col .fh{font-size:12px;text-transform:uppercase;letter-spacing:1px;color:#7E97AE;margin:0 0 8px}
.foot-brand{max-width:320px}
.foot-brand .brand{margin-bottom:8px}
.foot-legal{margin-top:26px;padding-top:18px;border-top:1px solid rgba(255,255,255,.08);font-size:12px;color:#7E97AE}

/* ---------- Print / save as PDF (calculator results) ---------- */
@media print{
  .site-header,.site-footer,.next-step,.terms-wrap,.ctaband,.nav-cta,.hero .reviewed a{display:none !important}
  body{background:#fff}
  .hero{background:#fff;color:#000;padding:0 0 12px}
  .hero h1,.hero p,.eyebrow{color:#000}
  .grid{display:block}
  .card,.callout{break-inside:avoid;margin-bottom:12px}
  .table-scroll table,#resultsTable{min-width:0}
  #resultsTable th,#resultsTable td{display:table-cell !important}
  .bar,.barwrap,tbody tr.win{-webkit-print-color-adjust:exact;print-color-adjust:exact}
}

/* ---------- Provider terms page + links into it ---------- */
.plink{color:inherit;text-decoration:none;border-bottom:1px dotted #8FA1B0}
.plink:hover{color:var(--navy2);border-bottom:1px solid var(--navy2)}
.sources-link{font-size:15px;color:var(--ink);margin:18px 0 0;padding:14px 16px;background:var(--card);
  border:1px solid var(--line);border-radius:12px}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.chips a{color:#fff;text-decoration:none;font-weight:600;font-size:15px;padding:7px 14px;border-radius:20px;
  background:rgba(255,255,255,.08);box-shadow:inset 0 0 0 1px rgba(255,255,255,.3)}
.chips a:hover{background:rgba(255,255,255,.18)}

/* sister-site pointer at the end of a University lesson */
.lesson-more{font-size:16px;border-top:1px solid var(--line, #E2E8F0);padding-top:10px;margin-top:14px}
/* inline sister-site links in footer copy: underline so they read as links */
.foot-col p a{text-decoration:underline}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
/* until the first calculation, keep cards below the results table invisible so they don't visibly jump down (CLS) */
.results[data-pending]>:not(:first-child){visibility:hidden}
.results .lead:empty{min-height:3.1em} /* reserve the two-line summary before it is filled in */
/* /how-we-calculate: faint reference numbers reviewers can cite, rule lists, and worked-example tables */
.method .card{margin:0 0 22px}
.method h2{font-size:26px;margin:0 0 12px;color:var(--navy)}
.method h3{font-size:20px;margin:22px 0 6px;color:var(--ink)}
.method p,.method li{font-size:17px}
.ref{font:600 12px/1 ui-monospace,SFMono-Regular,Menlo,monospace;color:#5E6B77;text-decoration:none;letter-spacing:.3px;white-space:nowrap}
.ref:hover{color:var(--navy2);text-decoration:underline}
.ref:target{background:#FFF3B0;color:var(--ink)}
.ref-demo{font:600 12px ui-monospace,SFMono-Regular,Menlo,monospace;color:#5E6B77}
.rules{list-style:none;margin:0;padding:0}
.rules li{display:grid;grid-template-columns:58px 1fr;gap:8px;padding:10px 0;border-bottom:1px solid var(--line)}
.rules li .ref{padding-top:5px}
.rules code,.method code{font:14px ui-monospace,SFMono-Regular,Menlo,monospace;background:var(--soft);border:1px solid var(--softline);border-radius:5px;padding:1px 5px;white-space:normal}
.mtable{width:100%;border-collapse:collapse;font-size:15px;font-variant-numeric:tabular-nums}
.mtable th,.mtable td{padding:9px 8px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.mtable th{font-size:12px;letter-spacing:.8px;text-transform:uppercase;color:var(--muted)}
.mtable td:first-child{width:58px}
.mtable .num{text-align:right;white-space:nowrap}
.mtable.wide{min-width:640px}
.checks{margin:18px 0 0;background:#FFF8E6;border:1px solid #F0D9A0;border-radius:12px;padding:10px 16px}
.checks-h{font-weight:800;color:#6B4A00;margin:6px 0 2px}
.checks .rules li{border-bottom-color:#F0D9A0}
.method .tnote{font-size:15px;color:var(--muted);margin:8px 0 0}
main.method{max-width:1060px}
.method h2{text-transform:none;letter-spacing:-.2px}
.mtable td:nth-child(2){min-width:190px}
.mtable.wide{min-width:820px}
.denied-note{margin:16px 0 0;padding:12px 14px;background:var(--soft);border:1px solid var(--softline);border-radius:10px;font-size:16px}
.bios{list-style:none;padding:0;margin:4px 0 22px}
.bios li{margin:0 0 10px;font-size:17px;line-height:1.55}

/* home hero: copy + buttons on the left, the free-review form on the right (Trella pattern) */
.hero-split{padding:40px 0 46px}
.hero-grid{display:grid;grid-template-columns:1.3fr 1fr;grid-template-areas:"copy form" "meta form";grid-template-rows:auto 1fr;gap:0 44px;align-items:start}
.hero-copy{grid-area:copy}.hero-meta{grid-area:meta}.hero-form{grid-area:form}
.hero-grid>*{min-width:0}
.hero-split h1{font-size:44px;line-height:1.08;letter-spacing:-.8px;margin:10px 0 14px}
.hero-split .hero-copy>p{font-size:19px;line-height:1.5;max-width:560px}
.hero-btns{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0 0}
.hero-btns .btn{font-size:17px;padding:13px 18px}
.hero-stats{display:flex;gap:30px;margin:30px 0 0;padding-top:20px;border-top:1px solid rgba(255,255,255,.18)}
.hero-stats div{display:flex;flex-direction:column;gap:2px}
.hero-stats b{font-size:24px;color:#fff;line-height:1.15}
.hero-stats span{font-size:14px;color:#C7D6E4;text-transform:uppercase;letter-spacing:.8px}
.hero-form{color:var(--ink);padding:24px 26px}
.hero-form h2{font-size:24px;margin:0 0 4px;color:var(--navy);text-transform:none;letter-spacing:0}
.hero-form .hf-sub{color:var(--muted);font-size:16px;margin:0 0 6px;max-width:none}
.hero-form label{font-size:14px;font-weight:600;color:var(--muted);margin:12px 0 4px;display:block}
.hero-form input[type=text]{width:100%;padding:11px 12px;font:inherit;font-size:16px;border:1px solid var(--line);border-radius:8px;background:#fff}
.hero-form .chips{border:0;padding:0;margin:14px 0 0;display:flex;flex-wrap:wrap;gap:8px}
.hero-form .chips legend{font-size:14px;font-weight:600;color:var(--muted);margin-bottom:6px;padding:0}
.hero-form .chips label{margin:0;display:inline-flex;align-items:center;font-size:15px;font-weight:600;color:var(--ink);border:1.5px solid var(--line);border-radius:999px;padding:7px 13px;cursor:pointer}
.hero-form .chips input{position:absolute;opacity:0;pointer-events:none}
.hero-form .chips label:has(input:checked){border-color:var(--accent);background:var(--winbg);color:var(--accent2)}
.hero-form .chips label:has(input:focus-visible){outline:3px solid rgba(14,159,110,.35)}
.btn-block{display:block;width:100%;text-align:center}
.calc-title{font-size:26px;margin:30px 0 14px;color:var(--navy)}
#calculator{scroll-margin-top:72px}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;grid-template-areas:"copy" "form" "meta";gap:26px 0}.hero-split h1{font-size:34px}.hero-stats{gap:22px;margin-top:4px}}
@media print{.hero-form,.hero-btns{display:none !important}}
.hero-form p{color:var(--muted)}
.hero-form .form-status{color:var(--warn)}
.hero-form .form-fine{font-size:14px}
.hero-form .form-fine a{color:var(--navy2)}
.hero-meta .reviewed{font-size:16px}
.na{color:var(--muted);font-style:italic}
/* single-provider calculators (/hometap-calculator etc.) */
#pc{margin-top:24px}
.pc-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:4px 0 14px}
.pc-stat{background:var(--soft);border:1px solid var(--softline);border-radius:10px;padding:10px 12px}
.pc-stat span{display:block;font-size:14px;color:var(--muted);line-height:1.3}
.pc-stat b{display:block;font-size:22px;color:var(--navy);margin-top:4px;font-variant-numeric:tabular-nums}
.pc-stat:last-child b{color:var(--accent2)}
.pc-note{font-size:15px;color:var(--muted);margin:8px 0 0}
.pc-no{font-size:17px;margin:4px 0 0;padding:12px 14px;background:#FCF3F0;border:1px solid #EFD6CE;border-radius:10px}
.pc-table td,.pc-table th{text-align:right}.pc-table td:first-child,.pc-table th:first-child{text-align:left}
.pc-table tr.on td{background:var(--soft);font-weight:700}
@media(max-width:640px){.pc-stats{grid-template-columns:1fr 1fr}.pc-stat b{font-size:20px}}
.txt-table th,.txt-table td{text-align:left;vertical-align:top}
.txt-table tbody th{padding:12px 14px 12px 0;border-bottom:1px solid var(--line);font-size:15px;white-space:normal}
/* home equity options tool (/home-equity-options) */
.eopt{border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin:12px 0;background:var(--card)}
.eopt.best{border:2px solid var(--accent);box-shadow:0 0 0 3px rgba(16,163,106,.10)}
.eopt.na{background:var(--soft)}
.eopt.na p{color:var(--muted);margin:6px 0 0;font-size:15px}
.eopt-h{display:flex;justify-content:space-between;align-items:center;gap:10px;flex-wrap:wrap}
.eopt-h h3{margin:0;font-size:19px;color:var(--navy)}
.odds{font-size:13px;font-weight:700;border-radius:999px;padding:3px 10px;white-space:nowrap}
.odds.g2{background:#DCF5E9;color:#0B6B45}.odds.g1{background:#FFF3D6;color:#7A5300}.odds.g0{background:#FCE4DE;color:#9A2F14}
.eopt-n{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:12px 0 8px}
.eopt-n b{display:block;font-size:22px;color:var(--navy);font-variant-numeric:tabular-nums}
.eopt-n span{display:block;font-size:13px;color:var(--muted);line-height:1.35}
.eopt ul{margin:6px 0 0;padding-left:20px;font-size:15px;color:var(--ink)}
.eopt li{margin:3px 0}
.eopt-more{margin:8px 0 0;font-size:15px}
label.check{display:flex;align-items:center;gap:8px;font-weight:600;margin-top:16px;color:var(--ink)}
@media(max-width:640px){.eopt-n{grid-template-columns:1fr 1fr}.eopt-n b{font-size:20px}}
#opt select{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:9px;font:inherit;font-size:16px;color:var(--ink);background:#fff}
.eopt.info{background:var(--soft)}
.eopt.info p{color:var(--ink);font-style:normal;margin:6px 0 0;font-size:15px}
/* /calculatertest guided flow */
#flowtest{padding-top:22px;padding-bottom:30px}
#flowtest .card{margin:0 0 16px}
#flowtest select{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:9px;font:inherit;font-size:16px;color:var(--ink);background:#fff}
.ft-steps{display:flex;gap:8px;list-style:none;margin:0 0 16px;padding:0;counter-reset:ft}
.ft-step{flex:1;padding:9px 10px;border-radius:9px;background:var(--soft);color:var(--muted);font-size:14px;font-weight:700;text-align:center;counter-increment:ft}
.ft-step::before{content:counter(ft) ". "}
.ft-step.on{background:var(--navy);color:#fff}
.ft-where{font-size:16px;margin:10px 0 0;color:var(--ink)}
.ft-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.ft-err{color:#9A2F14;font-weight:700;min-height:1px;margin:10px 0 6px}
#t-submit{margin-top:6px}
.eopt.na,.eopt.na h3,.eopt.na p{font-style:normal}
/* /calculatertest2 */
.t2-hero .hero-copy{max-width:640px}
.t2-addr-row{margin:22px 0 0}
.t2-addr-row input{width:100%;font-size:18px;padding:15px 16px;border-radius:10px;border:0}
.t2-hero .hero-btns{margin-top:14px}
.t2-msg{min-height:1px;margin:10px 0 0;font-size:15px;font-weight:700}
.t2-hero .t2-msg{color:#FFD9CC}
#t2-calc{padding-top:24px}
.t2-addrbox{margin:0 0 18px;display:grid;gap:12px}
.t2-k{font-size:13px;text-transform:uppercase;letter-spacing:1px;color:var(--muted);font-weight:700;margin-right:6px}
#t2-addr-shown{font-size:18px}
.t2-unv{color:var(--muted);font-size:14px}
.t2-change{display:flex;gap:10px}
.t2-change input{flex:1}
.t2-email{display:flex;gap:10px;flex-wrap:wrap}
.t2-email input{flex:1;min-width:220px;padding:12px;border:1px solid var(--line);border-radius:9px;font:inherit;font-size:16px}
#t2-save{margin-top:6px}
/* legible type on the test page: labels, hints, and reasons at reading size, dark not grey */
#t2-calc label,#t2-calc .slider-row span{font-size:16px}
#t2-calc .hint{font-size:15px;color:var(--ink)}
#t2-calc .why{font-size:16px;color:var(--ink)}
#t2-calc .t2-unv{font-size:15px;color:var(--ink)}
@media(max-width:640px){.t2-change{flex-direction:column}.t2-email button{width:100%}}
/* Google address suggestions */
.t2-sug{position:absolute;z-index:30;margin:0;padding:6px 0;list-style:none;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 10px 28px rgba(15,46,77,.22);text-align:left}
.t2-sug li[data-i]{padding:12px 16px;font-size:17px;line-height:1.35;color:var(--ink);cursor:pointer}
.t2-sug li.on,.t2-sug li[data-i]:hover{background:var(--winbg)}
.t2-sug .t2-pow{padding:6px 16px 4px;font-size:13px;color:var(--muted);text-align:right}
/* phones: provider, total cost, and yearly cost fit without sideways scrolling */
@media(max-width:640px){#t2-table th:nth-child(3),#t2-table td:nth-child(3){display:none}#t2-table table{min-width:0;width:100%}}

/* /calculatertest2 interface: light page, one big rounded panel, address card, big green button */
body.t2{background:linear-gradient(180deg,#E8F7F0 0,#F3FAF7 520px,var(--bg) 1100px)}
body.t2 .site-header{background:rgba(255,255,255,.94);border-bottom:1px solid #E1ECE7;box-shadow:none}
body.t2 .site-header .brand{color:var(--ink)}
body.t2 .nav-links a{color:#3B4E5C}
body.t2 .nav-links a:hover{color:var(--ink);background:#EEF5F2}
body.t2 .nav-cta{color:#fff;border-radius:999px;padding-left:18px;padding-right:18px}
body.t2 .nav-cta:hover{background:var(--accent2);color:#fff}
.t2h{max-width:1180px;margin:0 auto;padding:40px 24px 8px}
.t2h-panel{background:#fff;border:1px solid #E1ECE7;border-radius:32px;box-shadow:0 1px 2px rgba(15,46,77,.04),0 18px 50px rgba(15,46,77,.06);
  padding:56px 56px 48px;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:48px;align-items:center}
.t2h h1{font-size:54px;line-height:1.04;letter-spacing:-1.8px;font-weight:800;margin:0 0 18px;color:#0B1F2E}
.t2h h1 span{display:block;background:linear-gradient(90deg,#0E9F6E,#0B7C8C);-webkit-background-clip:text;background-clip:text;color:transparent}
.t2h-sub{font-size:19px;line-height:1.5;color:#33444F;margin:0 0 26px;max-width:540px}
.t2h-form{background:#fff;border:1px solid #DCE8E2;border-radius:20px;padding:14px;box-shadow:0 10px 30px rgba(14,159,110,.08);max-width:560px}
.t2h-form input,.t2h-form select{width:100%;height:56px;border:1.5px solid #D5E3DC;border-radius:12px;padding:0 16px;font:inherit;font-size:17px;color:var(--ink);background:#fff;box-sizing:border-box}
.t2h-form input:focus,.t2h-form select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 4px rgba(14,159,110,.15)}
.t2h-form select{appearance:none;-webkit-appearance:none;padding-right:34px;
  background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%23132029' stroke-width='2'/%3E%3C/svg%3E") no-repeat right 14px center}
.t2h-row{display:grid;grid-template-columns:1fr 1.6fr 1fr;gap:10px;margin-top:10px}
.t2h-btn{display:flex;align-items:center;justify-content:center;gap:8px;width:100%;height:60px;margin-top:12px;border:0;border-radius:14px;cursor:pointer;
  background:linear-gradient(90deg,#10B981,#0A7A55);color:#fff;font:inherit;font-size:18px;font-weight:700;box-shadow:0 8px 20px rgba(14,159,110,.28)}
.t2h-btn:hover{filter:brightness(1.05)}
.t2h-btn:disabled{opacity:.7;cursor:wait}
.t2h-auto{margin:12px 0 2px;text-align:center;color:var(--accent2);font-size:15px;font-weight:600}
.t2h-auto::before{content:"\2713";display:inline-grid;place-items:center;width:18px;height:18px;margin-right:6px;border-radius:50%;background:var(--accent);color:#fff;font-size:12px}
body.t2 .t2h .t2-msg{color:var(--warn);text-align:center;margin:10px 0 0}
.t2h-checks{list-style:none;display:flex;flex-wrap:wrap;gap:10px 22px;padding:0;margin:20px 0 0;font-size:16px;color:#33444F}
.t2h-checks li::before{content:"\2713";display:inline-grid;place-items:center;width:20px;height:20px;margin-right:8px;border-radius:50%;background:var(--accent);color:#fff;font-size:12px;font-weight:700}
.t2h-example{position:relative;overflow:hidden;border:1px solid #CFEBDD;border-radius:26px;padding:40px 30px 30px;text-align:center;
  background:linear-gradient(160deg,#F1FBF6,#FFFFFF 70%)}
.t2h-example::before{content:"";position:absolute;right:-70px;top:-70px;width:220px;height:220px;border-radius:50%;background:#DDF5EA}
.t2h-example>*{position:relative}
.t2h-ek{margin:0;font-size:16px;font-weight:600;color:#33444F}
.t2h-big{margin:10px 0 4px;font-size:52px;line-height:1.05;font-weight:800;letter-spacing:-1.5px;color:var(--accent2)}
.t2h-es{margin:0 auto 26px;font-size:16px;color:#33444F;max-width:330px}
.t2h-tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;border-top:1px solid #E1ECE7;padding-top:24px}
.t2h-tiles div{background:#fff;border:1px solid #E1ECE7;border-radius:16px;padding:16px 8px;box-shadow:0 4px 14px rgba(15,46,77,.05)}
.t2h-tiles b{display:block;font-size:28px;font-weight:800;color:#0B1F2E}
.t2h-tiles span{display:block;margin-top:2px;font-size:14px;color:#33444F;line-height:1.3}
.t2h-strip{margin:18px 0 0;background:#fff;border:1px solid #E1ECE7;border-radius:24px;padding:22px 26px 16px;display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.t2h-strip>a{text-decoration:none;color:#0B1F2E;font-weight:700;font-size:17px;line-height:1.3;padding:4px 2px}
.t2h-strip>a small{display:block;margin-bottom:6px;font-size:12.5px;font-weight:700;letter-spacing:.8px;text-transform:uppercase;color:var(--accent2)}
.t2h-strip>a:hover{color:var(--accent2)}
.t2h-all{grid-column:1/-1;margin:4px 0 0;padding-top:14px;border-top:1px solid #E1ECE7;text-align:center;font-size:16px}
.t2h-all a{color:var(--accent2);font-weight:700;text-decoration:none}
body.t2 #t2-calc{padding-top:28px}
body.t2 .card{border-radius:22px;border-color:#E1ECE7;box-shadow:0 1px 2px rgba(15,46,77,.04),0 10px 30px rgba(15,46,77,.05)}
body.t2 #t2-calc input[type=text]{border-radius:12px;height:50px;font-size:17px}
body.t2 .btn-accent{background:linear-gradient(90deg,#10B981,#0A7A55);color:#fff}
@media(max-width:960px){
  .t2h-panel{grid-template-columns:1fr;padding:36px 28px 30px;gap:30px}
  .t2h-strip{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:640px){
  .t2h{padding:16px 12px 4px}
  .t2h-panel{padding:26px 16px 22px;border-radius:24px}
  .t2h h1{font-size:36px;letter-spacing:-1px}
  .t2h-sub{font-size:17px}
  .t2h-form{padding:10px}
  .t2h-row{grid-template-columns:1fr 1fr}
  .t2h-row #t2-city{grid-column:1/-1;grid-row:1}
  .t2h-btn{font-size:16px;gap:6px}
  .t2h-example{padding:28px 16px 20px}
  .t2h-big{font-size:40px}
  .t2h-tiles{gap:8px}
  .t2h-tiles b{font-size:24px}
  .t2h-strip{grid-template-columns:1fr 1fr;padding:18px 16px 12px}
}

/* /calculatertest2 question flow */
body.t2 [hidden]{display:none!important}
body.t2 .t2h-zip{margin-top:10px}
.fx{grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);align-items:start;scroll-margin-top:80px}
.fx-main{max-width:600px;min-width:0}
.fx-top{display:flex;justify-content:space-between;align-items:center;margin:-6px 0 12px}
.fx-back{background:none;border:0;font:inherit;font-size:16px;font-weight:600;color:#33444F;cursor:pointer;padding:8px 10px;margin-left:-10px;border-radius:10px}
.fx-back:hover{background:#EEF5F2;color:var(--ink)}
.fx-count{font-size:15px;font-weight:700;color:#33444F}
.fx-bar{height:8px;background:#E3EFE9;border-radius:99px;overflow:hidden;margin-bottom:28px}
.fx-bar i{display:block;height:100%;background:linear-gradient(90deg,#10B981,#0A7A55);border-radius:99px;transition:width .45s ease}
.fx-found{background:#EAF8F1;border:1px solid #BFE8D6;color:#0B4F38;border-radius:14px;padding:13px 16px;font-size:16px;line-height:1.45;margin:0 0 24px}
.fx-found::before{content:"\2713";display:inline-grid;place-items:center;width:20px;height:20px;margin-right:8px;border-radius:50%;background:var(--accent);color:#fff;font-size:12px;font-weight:800;vertical-align:-3px}
.fx-q{font-size:34px;line-height:1.15;letter-spacing:-.8px;font-weight:800;color:#0B1F2E;margin:0 0 10px;text-transform:none}
.fx-q label{display:block;font:inherit;color:inherit;letter-spacing:inherit;margin:0;text-transform:none}
.fx-help{font-size:17px;line-height:1.5;color:#33444F;margin:0 0 26px}
.fx-step.in{animation:fxin .28s ease}
@keyframes fxin{from{opacity:0;transform:translateX(16px)}to{opacity:1;transform:none}}
/* credit wheel */
.wheel{position:relative;width:260px;height:280px;margin:0 auto;outline:none}
.wheel::before{content:"";position:absolute;left:0;right:0;top:112px;height:56px;background:#EAF8F1;border:1.5px solid #8FD6B6;border-radius:14px;pointer-events:none}
.wheel:focus-visible::before{box-shadow:0 0 0 4px rgba(14,159,110,.22)}
.wheel-track{position:relative;height:100%;overflow-y:auto;scroll-snap-type:y mandatory;scrollbar-width:none;overscroll-behavior:contain;
  -webkit-mask-image:linear-gradient(to bottom,transparent 0,#000 32%,#000 68%,transparent 100%);mask-image:linear-gradient(to bottom,transparent 0,#000 32%,#000 68%,transparent 100%)}
.wheel-track::-webkit-scrollbar{display:none}
.wheel-pad{height:112px}
.wheel-item{height:56px;display:flex;align-items:center;justify-content:center;scroll-snap-align:center;font-size:24px;font-weight:600;color:#93A3AD;cursor:pointer;font-variant-numeric:tabular-nums;user-select:none;transition:font-size .12s,color .12s}
.wheel-item.near{color:#4E606C;font-size:26px}
.wheel-item.sel{color:#0B1F2E;font-size:32px;font-weight:800}
.fx-skip{margin:14px 0 0;text-align:center}
.fx-link{background:none;border:0;padding:6px;font:inherit;font-size:17px;color:var(--accent2);font-weight:700;text-decoration:underline;text-underline-offset:3px;cursor:pointer}
/* dollar answers */
.fx-money{display:flex;align-items:center;border:1.5px solid #D5E3DC;border-radius:16px;padding:0 20px;height:78px;background:#fff;max-width:440px}
.fx-money:focus-within{border-color:var(--accent);box-shadow:0 0 0 4px rgba(14,159,110,.15)}
.fx-money span{font-size:34px;font-weight:700;color:#4E606C;margin-right:6px}
body.t2 .fx-money input{border:0;outline:none;box-shadow:none;font:inherit;font-size:34px;font-weight:800;color:#0B1F2E;width:100%;height:auto;padding:0;margin:0;background:transparent;letter-spacing:-.5px;font-variant-numeric:tabular-nums}
.fx-step[data-s="owed"] .fx-skip,.fx-step[data-s="value"] .fx-skip{text-align:left}
/* email step */
.fx-fields{display:grid;gap:14px;max-width:440px}
.fx-fields label{display:block;font-size:16px;font-weight:700;color:#0B1F2E;margin:0 0 6px}
body.t2 .fx-fields input{width:100%;height:56px;border:1.5px solid #D5E3DC;border-radius:12px;padding:0 16px;font:inherit;font-size:17px;box-sizing:border-box}
body.t2 .fx-fields input:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 4px rgba(14,159,110,.15)}
body.t2 #fx-email-msg{color:var(--warn);margin:10px 0 0}
.fx-fine{font-size:15px;color:#33444F;margin:12px 0 0}
#fx-next{max-width:600px;margin-top:28px}
#fx-next:disabled{opacity:.4;cursor:not-allowed;box-shadow:none;filter:none}
.fx-fitline{display:none}
/* live summary card */
.fx-profile{background:linear-gradient(160deg,#F1FBF6,#fff 70%);border:1px solid #CFEBDD;border-radius:24px;padding:24px 22px}
.fx-pk{display:flex;justify-content:space-between;align-items:baseline;margin:0 0 10px;font-size:13px;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:var(--accent2)}
.fx-pk b{font-size:16px;letter-spacing:0;text-transform:none;color:#0B1F2E}
.fx-pk2{margin-top:24px}
.fx-facts{list-style:none;margin:0;padding:0}
.fx-facts li{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:11px 0;border-bottom:1px solid #E1ECE7;font-size:16px;color:#4E606C}
.fx-facts li span{white-space:nowrap}
.fx-facts li span::before{content:"";display:inline-grid;place-items:center;width:20px;height:20px;margin-right:10px;vertical-align:-4px;border-radius:50%;border:2px solid #C3D4CC;box-sizing:border-box;font-size:11px;font-weight:800;color:#fff}
.fx-facts li.done span::before{content:"\2713";background:var(--accent);border-color:var(--accent)}
.fx-facts li.now span{color:#0B1F2E;font-weight:700}
.fx-facts li.now span::before{border-color:var(--accent);box-shadow:0 0 0 4px rgba(14,159,110,.15)}
.fx-facts b{color:#0B1F2E;font-weight:700;text-align:right;overflow-wrap:anywhere}
.fx-equity{margin-top:16px}
.fx-eq{height:12px;border-radius:99px;background:#DCE6EA;overflow:hidden}
.fx-eq i{display:block;height:100%;background:linear-gradient(90deg,#10B981,#0A7A55);border-radius:99px;transition:width .3s}
.fx-equity p{margin:8px 0 0;font-size:16px;font-weight:700;color:#0B4F38}
.fx-provs{list-style:none;margin:0;padding:0;display:grid;gap:6px}
.fx-provs li{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:9px 12px;border-radius:12px;background:#fff;border:1px solid #E1ECE7;font-size:16px;font-weight:700;color:#0B1F2E}
.fx-provs li em{font-style:normal;font-weight:600;font-size:15px;color:var(--accent2);text-align:right}
.fx-provs li.no{background:#F5F7F8;color:#6A7A85}
.fx-provs li.no span{text-decoration:line-through}
.fx-provs li.no em{color:#4E606C}
/* results header */
#t2-results,#review{scroll-margin-top:80px}
body.t2 .fxr-best{text-align:center;padding:36px 28px 30px;margin-bottom:18px;background:linear-gradient(160deg,#F1FBF6,#fff 60%);border-color:#CFEBDD}
.fxr-k{margin:0;font-size:14px;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:var(--accent2)}
.fxr-big{margin:6px 0 4px;font-size:60px;line-height:1.05;font-weight:800;letter-spacing:-2px;color:#0B1F2E;font-variant-numeric:tabular-nums}
.fxr-big.small{font-size:30px;letter-spacing:-.6px}
.fxr-sub{margin:0 auto;font-size:18px;color:#33444F;max-width:560px}
.fxr-low{margin:26px auto 0;padding-top:22px;border-top:1px solid #E1ECE7;max-width:680px}
.fxr-lowname{margin:6px 0 16px;font-size:22px;color:#0B1F2E}
.fxr-lowname b{font-weight:800}
.fxr-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.fxr-stats div{background:#fff;border:1px solid #E1ECE7;border-radius:16px;padding:14px 10px}
.fxr-stats b{display:block;font-size:24px;font-weight:800;color:#0B1F2E;font-variant-numeric:tabular-nums}
.fxr-stats span{display:block;margin-top:2px;font-size:15px;color:#33444F}
.fxr-fine{font-size:15px;color:#33444F;margin:16px auto 0;max-width:620px}
.fxr-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:18px}
@media(max-width:960px){.fx{grid-template-columns:1fr}.fx-main{max-width:none}}
@media(max-width:640px){
  .fx-q{font-size:27px;letter-spacing:-.5px}
  .fx-help{margin-bottom:20px}
  .fx-money{height:70px;padding:0 16px}
  .fx-money span,body.t2 .fx-money input{font-size:30px}
  .fx-fitline{display:block;margin:12px 0 0;text-align:center;font-size:16px;font-weight:700;color:#0B4F38}
  .fxr-big{font-size:46px}
  .fxr-stats{grid-template-columns:1fr}
  .fxr-stats div{display:flex;justify-content:space-between;align-items:center;text-align:left;padding:12px 14px}
  .fxr-stats span{margin:0}
  body.t2 .fxr-best{padding:28px 16px 22px}
}
@media(prefers-reduced-motion:reduce){.fx-step.in{animation:none}.fx-bar i,.fx-eq i{transition:none}}

/* flow: keep Next above the fold */
body.t2 .t2h:has(#fx:not([hidden])){padding-top:22px}
body.t2 .fx{padding:38px 48px 40px}
.fx-bar{margin-bottom:22px}
.fx-found{margin-bottom:20px}
.fx-help{margin-bottom:18px}
.fx-skip{margin-top:8px}
#fx-next{margin-top:20px}
.fx-facts li span{display:inline-flex;align-items:center}
.fx-facts li span::before{vertical-align:0}
.fxr-hi{margin:0;font-size:20px;font-weight:700;color:#0B4F38}
body.t2 #t2-calc select{width:100%;height:50px;border:1.5px solid #D5E3DC;border-radius:12px;padding:0 38px 0 14px;font:inherit;font-size:17px;color:var(--ink);box-sizing:border-box;appearance:none;-webkit-appearance:none;
  background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%23132029' stroke-width='2'/%3E%3C/svg%3E") no-repeat right 14px center}
@media(max-width:640px){
  body.t2 .fx{padding:22px 16px 24px}
  .fx-top{margin-top:0}
  .fx-bar{margin-bottom:16px}
  .fx-found{font-size:15px;padding:10px 12px;margin-bottom:16px}
  .fx-q{font-size:25px}
  .fx-help{font-size:16px;margin-bottom:12px}
  .wheel{height:240px}
  .wheel::before{top:96px;height:48px}
  .wheel-pad{height:96px}
  .wheel-item{height:48px;font-size:22px}
  .wheel-item.near{font-size:24px}
  .wheel-item.sel{font-size:30px}
  .fxr-hi{font-size:18px}
}
@media(max-width:640px){.fxr-stats div{gap:14px}.fxr-stats span{text-align:right;max-width:9em}}
/* readable white-on-green (4.5:1 or better) for the home calculator's buttons */
.t2h-btn,body.t2 .btn-accent{background:linear-gradient(90deg,#08805A,#066446)}
body.t2 .nav-cta{background:#08805A;color:#fff}
body.t2 .nav-cta:hover{background:#066446}

/* results: $100,000 and the most, side by side */
.fxr-opts{display:grid;grid-template-columns:1fr 1fr;gap:16px;max-width:760px;margin:26px auto 0;padding-top:24px;border-top:1px solid #E1ECE7}
.fxr-opts.one{grid-template-columns:minmax(0,420px);justify-content:center}
.fxr-opt{background:#fff;border:1px solid #E1ECE7;border-radius:18px;padding:20px 18px;text-align:left;box-shadow:0 4px 14px rgba(15,46,77,.05)}
.fxr-amt{margin:4px 0 2px;font-size:34px;font-weight:800;letter-spacing:-1px;color:#0B1F2E;font-variant-numeric:tabular-nums}
.fxr-who{margin:0;font-size:17px;color:#33444F}
.fxr-who b{color:#0B1F2E}
.fxr-rate{margin:4px 0 12px;font-size:18px;color:#33444F}
.fxr-rate b{font-size:26px;color:var(--accent2);font-weight:800}
.fxr-lines{list-style:none;margin:0;padding:0;border-top:1px solid #E1ECE7}
.fxr-lines li{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px solid #E1ECE7;font-size:16px;color:#33444F}
.fxr-lines b{color:#0B1F2E;font-variant-numeric:tabular-nums}
.fxr-switch{display:flex;align-items:center;flex-wrap:wrap;gap:8px;margin:10px 0 14px}
.fxr-switch span{font-size:15px;font-weight:700;color:#33444F;margin-right:4px}
.fxr-switch button{border:1.5px solid #D5E3DC;background:#fff;border-radius:999px;padding:8px 16px;font:inherit;font-size:16px;font-weight:700;color:#0B1F2E;cursor:pointer}
.fxr-switch button[aria-pressed="true"]{background:#EAF8F1;border-color:var(--accent);color:#06573D}
#t2-rows tr.muted td{color:#4E606C;font-size:15px}
@media(max-width:640px){.fxr-opts{grid-template-columns:1fr}.fxr-amt{font-size:30px}}
@media(max-width:640px){#t2-table td.msg{display:table-cell!important}}
/* provider calculator pages (/point-calculator etc.): the light look of the home page, same wording */
body.t2p .page-hero{background:transparent;color:var(--ink);padding:30px 0 4px}
body.t2p .page-hero h1{color:#0B1F2E;font-size:40px;letter-spacing:-1px;line-height:1.1;font-weight:800}
body.t2p .page-hero p{color:#33444F}
body.t2p .page-hero .eyebrow{color:var(--accent2)}
body.t2p .page-hero .reviewed{color:#33444F}
body.t2p .t2h{padding-top:14px}
.t2p-h{margin:0 0 12px;font-size:32px;line-height:1.15;letter-spacing:-.8px;font-weight:800;color:#0B1F2E;text-transform:none}
.fx-provs li.focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(14,159,110,.12)}
.fx-provs li.no.focus{border-color:#C3D4CC;box-shadow:none}
.fxr-cmp{margin:18px auto 0;max-width:640px;font-size:17px;color:#0B1F2E}
.fxr-nofit{text-align:left;margin:0 0 22px;padding:14px 16px;border-radius:14px;background:#FFF4DC;border:1px solid #F1D9A6;color:#5C3D00;font-size:17px}
#t2-rows tr.focus td:first-child a{font-weight:800}
@media(max-width:640px){body.t2p .page-hero h1{font-size:30px}.t2p-h{font-size:26px}}

/* /offer-review: three levels, the middle one featured */
body.t2 .rv-hero{background:transparent;color:var(--ink);padding:34px 0 6px}
body.t2 .rv-hero h1{color:#0B1F2E;font-size:42px;line-height:1.1;letter-spacing:-1px;font-weight:800;max-width:860px}
body.t2 .rv-hero p{color:#33444F;font-size:18px;max-width:780px}
body.t2 .rv-hero .eyebrow{color:var(--accent2)}
.rv-stake{margin-top:14px!important;padding:12px 16px;background:#EAF8F1;border:1px solid #BFE8D6;border-radius:14px;display:inline-block}
.rv{padding-top:18px}
.rv-cards{display:grid;grid-template-columns:1fr 1.12fr 1fr;gap:18px;align-items:center;margin-bottom:22px}
.rv-card{background:#fff;border:1px solid #E1ECE7;border-radius:22px;padding:26px 22px;box-shadow:0 1px 2px rgba(15,46,77,.04),0 10px 30px rgba(15,46,77,.05);display:flex;flex-direction:column}
.rv-card h2{margin:0;font-size:22px;color:#0B1F2E;text-transform:none;letter-spacing:-.3px}
.rv-price{margin:8px 0 4px;font-size:40px;font-weight:800;color:#0B1F2E;letter-spacing:-1px}
.rv-price span{font-size:15px;font-weight:600;color:#33444F;margin-left:8px;letter-spacing:0}
.rv-for{margin:0 0 14px;font-size:17px;color:#33444F;min-height:3em}
.rv-card ul{list-style:none;margin:0 0 20px;padding:0;flex:1}
.rv-card li{display:flex;gap:10px;font-size:16px;line-height:1.4;padding:7px 0;color:#0B1F2E;border-top:1px solid #EEF3F0}
.rv-card li.off{color:#4E606C}
.rv-ck{color:var(--accent2);font-weight:800}
.rv-no{color:#8A9AA5;font-weight:800}
.rv-pick{text-align:center}
.rv-feat{border:2px solid var(--accent);padding:34px 26px;box-shadow:0 18px 48px rgba(14,159,110,.18);position:relative}
.rv-feat .rv-price{font-size:48px}
.rv-badge{position:absolute;top:-15px;left:50%;transform:translateX(-50%);margin:0;white-space:nowrap;background:#08805A;color:#fff;font-size:14px;font-weight:800;padding:6px 14px;border-radius:999px}
.rv-compare h2,.rv-how h2,.rv-faq h2,.rv-request h2{font-size:26px;text-transform:none;letter-spacing:-.4px;color:#0B1F2E;margin:0 0 12px}
.rv-table{width:100%;border-collapse:collapse;font-size:16px}
.rv-table th,.rv-table td{padding:12px 10px;border-bottom:1px solid #E1ECE7;text-align:center;vertical-align:middle}
.rv-table tbody th{text-align:left;font-weight:600;color:#0B1F2E}
.rv-table thead th{font-size:16px;color:#0B1F2E;text-transform:none;letter-spacing:0}
.rv-table thead th span{font-size:20px;font-weight:800}
.rv-table .rv-feat-col{background:#F1FBF6}
.rv-how ol{margin:0;padding-left:22px;font-size:17px;line-height:1.55}
.rv-how li{margin:6px 0}
.rv-faq h3{font-size:19px;margin:16px 0 4px;color:#0B1F2E}
.rv-faq p{font-size:17px;margin:0}
.rv-tiers{border:0;padding:0;margin:0 0 14px;display:grid;gap:8px}
.rv-tiers legend{font-weight:700;font-size:16px;margin-bottom:8px;color:#0B1F2E}
.rv-radio{display:flex;align-items:center;gap:10px;padding:12px 14px;border:1.5px solid #D5E3DC;border-radius:12px;font-size:17px;cursor:pointer;color:#0B1F2E}
.rv-radio:has(input:checked){border-color:var(--accent);background:#EAF8F1}
.rv-request textarea{width:100%;box-sizing:border-box;border:1.5px solid #D5E3DC;border-radius:12px;padding:12px 14px;font:inherit;font-size:17px;margin:6px 0 14px}
.rv-compare,.rv-how,.rv-faq,.rv-request{margin-bottom:18px}
@media(max-width:960px){.rv-cards{grid-template-columns:1fr;gap:26px}.rv-feat{order:-1}.rv-for{min-height:0}}
@media(max-width:640px){body.t2 .rv-hero h1{font-size:30px}.rv-table{font-size:15px}.rv-table th,.rv-table td{padding:10px 6px}}
body.t2 .rv-hero h1{max-width:1000px}
.rv-table thead th:first-child,.rv-table tbody th{width:40%}
.rv-table thead th:not(:first-child){width:20%}
.rv-plus{margin:0 0 6px;font-size:16px;font-weight:800;color:var(--accent2)}
.rv-note{margin:-8px 0 18px;padding:10px 12px;background:#EAF8F1;border-radius:10px;font-size:15px;color:#0B4F38}
/* reviews under the pricing cards */
.rv-reviews{margin:8px 0 22px}
.rv-reviews h2{font-size:26px;letter-spacing:-.4px;color:#0B1F2E;margin:0 0 14px;text-transform:none}
.rv-quotes{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:14px}
.rv-q{margin:0;background:#fff;border:1px solid #E1ECE7;border-radius:18px;padding:18px 18px 16px;box-shadow:0 1px 2px rgba(15,46,77,.04)}
.rv-q blockquote{margin:0 0 10px;font-size:17px;line-height:1.5;color:#0B1F2E}
.rv-q figcaption{font-size:15px;font-weight:700;color:#33444F}
.rv-quotes{grid-template-columns:repeat(2,1fr)}
@media(max-width:700px){.rv-quotes{grid-template-columns:1fr}}
.rv-thanks{padding:34px 0 40px}
.rv-thanks h1{font-size:34px;letter-spacing:-.8px;color:#0B1F2E;margin:6px 0 12px}
.rv-thanks ul{margin:0;padding-left:22px;font-size:18px;line-height:1.6}
.rv-thanks li{margin:6px 0}
.rv-receipt{margin:18px 0 0;font-size:16px;color:#33444F}
.rv-thanks h1{line-height:1.15}
@media(max-width:640px){.rv-thanks h1{font-size:28px}}

/* ===== heicounseling.com ===== */
body.hc .brand .logo{width:30px;height:30px}
body.hc .nav-links a[aria-current]{color:var(--ink);background:#EEF5F2}
.hc-report{padding-top:18px;padding-bottom:30px}
.hc-report .card{margin-bottom:16px;padding:24px 26px}
.hc-report .card h2{font-size:24px;letter-spacing:-.3px;color:#0B1F2E;text-transform:none;margin:0 0 10px}
.hc-report ul,.hc-report ol{margin:0;padding-left:22px;font-size:17px;line-height:1.6;color:#0B1F2E}
.hc-report li{margin:6px 0}
.hc-report p{font-size:17px;line-height:1.6;color:#0B1F2E;margin:8px 0 0}
.hc-table{width:100%;border-collapse:collapse;font-size:17px}
.hc-table th,.hc-table td{padding:12px 10px;border-bottom:1px solid #E1ECE7;text-align:right;font-variant-numeric:tabular-nums}
.hc-table th:first-child,.hc-table td:first-child{text-align:left}
.hc-table thead th{font-size:15px;color:#33444F;font-weight:700;text-transform:none;letter-spacing:0}
.hc-bottom{background:linear-gradient(160deg,#F1FBF6,#fff 60%);border-color:#CFEBDD}
.hc-report .btn-row{margin-top:14px;display:flex;gap:10px;flex-wrap:wrap}
.site-footer .foot-fine p{font-size:14px;color:#C7D6E4;margin:18px 0 0;padding-top:16px;border-top:1px solid rgba(255,255,255,.12)}
.rv-cards h3{margin:0;font-size:22px;color:#0B1F2E;letter-spacing:-.3px}
.site-footer .foot-brand p a{display:inline}
body.t2 .rv-hero h1{text-wrap:balance}