/* One opening: Adam introduces the guidance; the tool offers the first step. */
.page-home{background:#fff}
.page-home .hero{padding:124px 0 88px;overflow:hidden}
.page-home .hero-layout{display:block}
.page-home .hero__inner{display:grid;grid-template-columns:minmax(0,1fr) 232px;grid-template-areas:'identity portrait' 'headline portrait' 'action portrait';column-gap:64px;padding:0;max-width:none;margin:0;text-align:left}
.hero-identity{display:contents}
.page-home .hero-identity .hero__eyebrow{grid-area:identity;display:flex;align-items:center;gap:8px;margin:0 0 18px;color:#c4cfdd;font-size:14px;font-weight:400;line-height:1.5;text-align:left}
.hero-identity .hero__eyebrow span{white-space:nowrap}
.hero-identity-name{font:inherit;font-weight:600;color:#fff}
.hero-identity-brand{font:inherit}
.hero-identity-divider{color:#778493}
.hero-headshot{grid-area:portrait;align-self:end;position:relative;width:232px;height:280px;margin:0;border:1px solid #252b35;border-radius:8px;overflow:hidden;background:#000}
.hero-headshot img{display:block;width:100%;height:100%;max-width:none;object-fit:cover;object-position:50% 0%;mask-image:none}
.page-home .hero__headline{grid-area:headline;max-width:none;font-size:clamp(38px,3.5vw,50px);line-height:1.1;margin:0 0 26px;letter-spacing:-.025em}
.hero-calculator-action{grid-area:action;display:flex;flex-direction:column;align-items:flex-start;gap:8px}
.hero-calculator-action .btn{background:var(--gold-soft);padding:18px 24px;font-size:17px;gap:24px}
.hero-calculator-action p{color:#c4cfdd;font-size:14px;line-height:1.6;max-width:none;text-align:left}
.home-calculator{position:relative;margin-top:-64px;scroll-margin-top:0}
.home-calculator-panel{background:#f6f8fa;border-radius:10px;padding:32px 36px;box-shadow:0 4px 8px #171d2e18}
.home-calculator-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:24px;margin-bottom:28px}
.home-calculator-heading h2{font-size:29px;line-height:1.2;margin-bottom:8px}
.home-calculator-heading p{font-size:15px;color:var(--muted);line-height:1.6;max-width:68ch}
.full-calculator-link{font-size:14px;line-height:1.5;min-height:44px;display:inline-flex;align-items:center;gap:8px;white-space:nowrap;text-decoration:underline;text-underline-offset:4px;color:var(--ink)}
.home-calculator .calc-workspace{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,.75fr) minmax(0,1fr);gap:0 24px;grid-template-areas:'mode mode result' 'fields fields result' 'extras extras result' 'advanced submit result' 'error error result';align-items:start}
.home-calculator .calc-workspace:has(.advanced[open]){grid-template-areas:'mode mode result' 'fields fields result' 'extras extras result' 'advanced advanced result' 'error error result' 'submit submit result'}
.home-calculator .calc-inputs,.home-calculator #calculator{display:contents}
.home-calculator #calculator-heading{display:none}
.home-calculator .mode-switch{grid-area:mode;margin:0 0 20px;max-width:100%}
.home-calculator .mode-switch button{padding:12px;font-size:15px;background:#f6f8fa}
.home-calculator .mode-switch button{line-height:1.4}
.home-calculator .mode-switch button[aria-pressed=true]{background:var(--navy)}
.home-calculator .calc-essential{grid-area:fields;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px 24px}
.home-calculator .calc-essential>.input-grid,.home-calculator #income-fields{display:contents}
.home-calculator .calc-essential .calc-field{margin:0}
.home-calculator .down-field{grid-column:auto}
.home-calculator #payment-fields label,.home-calculator .down-label{min-height:44px;display:flex;align-items:center}
.home-calculator #calculator[data-mode=income] .calc-essential>.input-grid>.calc-field>label{min-height:44px;display:flex;align-items:center}
.home-calculator .calc-field small{font-size:13px;line-height:1.5}
.home-calculator .calc-field label{line-height:1.4}
.home-calculator #calculator[data-mode=payment] #down-basis{display:none}
.home-calculator .calc-field input,.home-calculator .calc-field select{height:48px;font-size:17px}
.home-calculator .calc-extras{grid-area:extras;display:flex;align-items:center;gap:24px;margin-top:20px;padding-top:16px;border-top:1px solid var(--line)}
.home-calculator .monthly-pmi{border:0;padding:0;margin:0;flex:1}
.home-calculator .monthly-pmi output{font-size:24px}
.home-calculator .monthly-pmi-value{line-height:1.2}
.home-calculator .monthly-pmi output{line-height:1.2}
.home-calculator .monthly-pmi-value span{line-height:1.4}
.home-calculator .monthly-pmi p{font-size:13px}
.home-calculator .loan-preview{margin:0;padding:0;border:0;font-size:14px;flex:1}
.home-calculator .advanced{grid-area:advanced;margin:16px 0 0}
.home-calculator .advanced[open]{margin-bottom:20px}
.home-calculator .advanced summary{padding:12px 0;line-height:1.4}
.home-calculator .advanced .input-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 24px}
.home-calculator .advanced .calc-field{margin-bottom:20px}
.home-calculator .rate-note{font-size:14px;line-height:1.6;margin:4px 0 24px}
.home-calculator .calc-submit{grid-area:submit;margin-top:16px}
.home-calculator #calc-error{grid-area:error}
.home-calculator .calculate-button{font-size:15px;padding:14px 18px}
.home-calculator .calc-results{grid-area:result;position:static;margin:0;padding:0 0 0 32px;background:none;border-radius:0;border-left:1px solid #c7ced7;color:var(--ink);min-width:0}
.home-calculator .example-status{color:#695117;font-size:13px;font-weight:600;margin-bottom:12px}
.home-calculator .result-label{color:var(--ink);font-weight:600;font-size:17px;margin-bottom:12px}
.home-calculator #result-primary{color:var(--navy);font-size:clamp(30px,3vw,42px);line-height:1.15}
.home-calculator #result-context,.home-calculator #result-note{color:var(--muted);font-size:14px;line-height:1.6}
.home-calculator #result-note{margin-top:16px}
.home-calculator #cost-list>div{border-color:#c7ced7;font-size:14px;line-height:1.5}
.home-calculator .estimate-disclaimer{color:var(--muted);border-color:#c7ced7;font-size:13px;line-height:1.6;margin-top:20px;padding-top:16px}
.home-calculator .review-numbers{font-size:15px;gap:12px;line-height:1.5;justify-content:space-between;padding:14px 18px;background:var(--navy);color:#fff}
.transfer-note{font-size:13px;color:var(--muted);line-height:1.6;margin-top:24px}
.home-calculator>.transfer-note{margin:16px 36px 0}
.home-calculator>[data-home-consent]{padding-inline:36px}
.page-home .cookie-panel{position:static;width:100%;margin:24px 0 0;padding:20px 0 0;box-shadow:none;border:0;border-top:1px solid #c7ced7;border-radius:0;display:grid;grid-template-columns:1fr auto;gap:8px 24px}
.page-home .cookie-panel h2{font-size:17px;grid-column:1;margin:0}
.page-home .cookie-panel p{font-size:13px;grid-column:1;margin:0;max-width:72ch}
.page-home .cookie-actions{grid-column:2;grid-row:1/3;align-self:center;align-items:center;gap:8px}
.page-home .cookie-actions button{font-size:13px;padding:10px 14px}
.hero-supporting{padding-block:48px 64px}
.hero-supporting-copy{display:grid;grid-template-columns:1.35fr 1fr;column-gap:64px;align-items:start}
.hero-supporting .hero__tagline{grid-column:1;color:#695117;font-size:17px;margin:0 0 16px}
.hero-supporting .hero__sub{grid-column:1;font-size:17px;line-height:1.75;color:var(--muted);margin:0;text-align:left}
.hero-supporting .hero__ctas{grid-column:2;grid-row:1/3;margin:0;gap:16px;align-items:flex-start}
.hero-supporting .hero__ctas a{background:var(--navy);color:#fff;padding:16px 24px}
.hero-supporting .hero__ctas [data-open-form]{color:var(--ink);font-size:15px}
.hero-supporting .hero__support{grid-column:1;font-size:14px;color:var(--muted);margin:24px 0 0}
.hero-supporting .hero__proof{grid-column:2;grid-row:3/5;border:0;padding:0;margin:8px 0 0;gap:12px}
.hero-supporting .hero__proof-item{font-size:14px;color:var(--muted);line-height:1.6}
@media(max-width:1100px){.home-calculator-panel{padding:28px}.home-calculator .calc-workspace{gap:0 20px;grid-template-columns:minmax(0,.65fr) minmax(0,.6fr) minmax(0,1fr)}.home-calculator .calc-results{padding-left:20px}.page-home .hero-layout{gap:24px}.home-calculator-heading{display:block}.full-calculator-link{margin-top:4px}}
@media(min-width:761px) and (max-width:1100px){
 .page-home .hero__inner{grid-template-columns:minmax(0,1fr) 176px;column-gap:32px}
 .hero-headshot{width:176px;height:224px}
}
@media(min-width:761px) and (max-width:960px){
 .home-calculator #payment-fields,.home-calculator .down-field,.home-calculator #income-fields .calc-field{grid-column:1/-1}
 .home-calculator #payment-fields label{min-height:0}
}
@media(max-width:760px){
 .page-home .hero{padding:100px 0 32px}
 .page-home .hero-layout{display:block}
 .page-home .hero__inner{grid-template-columns:64px minmax(0,1fr);grid-template-areas:'portrait identity' 'headline headline' 'action action';column-gap:16px;max-width:none;text-align:left}
 .page-home .hero-identity .hero__eyebrow{align-self:center;flex-direction:column;align-items:flex-start;gap:2px;margin:0;font-size:14px;line-height:1.5;min-width:0}
 .hero-identity-name{font-size:16px}
 .hero-identity-brand{font-size:13px}
 .hero-identity-divider{display:none}
 .hero-headshot{width:64px;height:64px;border-radius:6px}
 .hero-headshot img{position:absolute;top:0;left:-52%;width:182%;height:182%;object-fit:cover;object-position:50% 0%}
 .page-home .hero__headline{max-width:none;font-size:clamp(32px,8.5vw,34px);line-height:1.09;margin:20px 0 24px}
 .hero-calculator-action{display:block;margin:0 0 16px}
 .hero-calculator-action .btn{width:100%;justify-content:space-between;font-size:16px;min-height:56px;padding:16px 20px}
 .hero-calculator-action p{font-size:13px;max-width:none;margin-top:8px;text-align:center}
 .home-calculator{padding-inline:16px;margin-top:-24px;scroll-margin-top:0}
 .home-calculator-panel{padding:24px 20px;border-radius:8px;display:flex;flex-direction:column}
 .home-calculator-heading{display:contents}
 .home-calculator-heading>div{order:0;margin-bottom:20px}
 .home-calculator-heading h2{font-size:26px;line-height:1.16;margin-bottom:10px}
 .home-calculator-heading p{font-size:14px;line-height:1.6}
 .full-calculator-link{order:2;font-size:14px;margin-top:20px;align-self:flex-start}
 .home-calculator .calc-workspace{order:1;grid-template-columns:minmax(0,1fr);gap:0;grid-template-areas:'mode' 'fields' 'extras' 'result' 'advanced' 'error' 'submit'}
 .home-calculator .calc-workspace:has(.advanced[open]){grid-template-areas:'mode' 'fields' 'extras' 'result' 'advanced' 'error' 'submit'}
 .transfer-note{order:3;margin-top:8px}
 .home-calculator>.transfer-note{margin:16px 20px 0}
 .home-calculator>[data-home-consent]{padding-inline:20px}
 [data-home-consent]{order:4}
 .home-calculator .mode-switch{margin-bottom:20px}
 .home-calculator .mode-switch button{font-size:14px;line-height:1.4;min-height:48px}
 .home-calculator .calc-essential{gap:16px}
 .home-calculator #payment-fields,.home-calculator .down-field{grid-column:1/-1}
 .home-calculator #income-fields .calc-field{grid-column:1/-1}
 .home-calculator #payment-fields label{min-height:0}
 .home-calculator #calculator[data-mode=income] .calc-essential>.input-grid>.calc-field>label{min-height:0}
 .home-calculator .calc-field input,.home-calculator .calc-field select{font-size:16px}
 .home-calculator .calc-extras{margin-top:20px;padding-top:16px;gap:16px;align-items:start}
 .home-calculator .monthly-pmi{flex:1.3}
 .home-calculator .monthly-pmi label{font-size:14px}
 .home-calculator .monthly-pmi p{font-size:13px}
 .home-calculator .loan-preview{font-size:13px;line-height:1.6}
 .home-calculator .calc-results{padding:24px 0 0;margin-top:24px;border-left:0;border-top:1px solid #c7ced7}
 .home-calculator #result-primary{font-size:32px}
 .home-calculator #result-note{font-size:14px}
 .home-calculator .estimate-disclaimer{font-size:13px}
 .home-calculator .advanced{margin:24px 0 16px}
 .home-calculator .calc-submit{margin-top:0}
 .home-calculator .advanced .input-grid{gap:0 16px}
 .home-calculator .rate-note{padding:0}
 .page-home .cookie-panel{display:block;margin-top:20px;padding-top:20px}
 .page-home .cookie-panel p{margin:8px 0 12px;font-size:13px}
 .page-home .cookie-actions{gap:8px;display:flex}
 .page-home .cookie-actions button{font-size:13px;padding:10px 12px}
 .hero-supporting{padding:40px 24px 48px}
 .hero-supporting-copy{display:block}
 .hero-supporting .hero__ctas{margin:24px 0}
 .hero-supporting .hero__support{margin-bottom:24px}
 .hero-supporting .hero__proof{padding-bottom:0}
}
@media(max-width:390px){.home-calculator-panel{padding:24px 16px}.home-calculator #result-primary{font-size:29px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}