@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@600;700;800&family=Source+Sans+3:wght@400;500;600;700&display=swap');
:root{
  --navy:#063b5b;--navy2:#0b4f73;--navy3:#123f58;--gold:#c58b32;--gold2:#e0ae60;
  --ink:#17232c;--muted:#5d6b75;--line:#dbe3e7;--bg:#ffffff;--soft:#f6f8f9;--cream:#fbf5eb;--sand:#f3eadb;
  --success:#1b6a4a;--danger:#a64040;--warn:#8c5a00;--shadow:0 16px 46px rgba(6,59,91,.12);
  --radius:20px;--radius-sm:12px;--header-h:92px;
}
html[data-theme="dark"]{
  --ink:#eef5f8;--muted:#b7c4ca;--line:#28414e;--bg:#0b1820;--soft:#10242f;--cream:#142631;--sand:#1a2d36;
  --navy:#9ed6ef;--navy2:#7cc0df;--navy3:#d8edf6;--gold:#e0ae60;--gold2:#f2c878;--shadow:0 18px 50px rgba(0,0,0,.25)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font-family:"Source Sans 3",Arial,sans-serif;font-size:18px;line-height:1.62;-webkit-font-smoothing:antialiased}a{color:inherit}img{max-width:100%;display:block}button,input,select,textarea{font:inherit}button{cursor:pointer}.container{width:min(1180px,calc(100% - 40px));margin:auto}.skip{position:absolute;left:-9999px;top:10px;z-index:9999;background:#fff;color:#000;padding:10px 14px}.skip:focus{left:10px}
.header{position:sticky;top:0;z-index:80;background:color-mix(in srgb,var(--bg) 94%,transparent);backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}.navrow{height:var(--header-h);display:flex;align-items:center;gap:28px}.brand{display:block;flex:0 0 auto}.brand img{width:180px;height:auto}.brand .logo-night{display:none}html[data-theme="dark"] .brand .logo-day{display:none}html[data-theme="dark"] .brand .logo-night{display:block}.nav{display:flex;align-items:center;gap:25px;margin-left:auto}.nav a{font-family:Montserrat,Arial,sans-serif;font-size:16px;font-weight:700;text-decoration:none;color:var(--ink);white-space:nowrap}.nav a:hover,.nav a:focus-visible{color:var(--gold)}.header-actions{display:flex;align-items:center;gap:10px}.theme-btn,.menu-btn{width:44px;height:44px;border-radius:999px;border:1px solid var(--line);background:var(--bg);color:var(--ink);display:grid;place-items:center}.theme-btn svg,.menu-btn svg{width:21px;height:21px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.theme-btn .sun{display:none}html[data-theme="dark"] .theme-btn .moon{display:none}html[data-theme="dark"] .theme-btn .sun{display:block}.menu-btn{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px;padding:0 22px;border-radius:12px;border:2px solid var(--navy2);background:var(--navy2);color:white;text-decoration:none;font-family:Montserrat,Arial,sans-serif;font-weight:800;font-size:15px;letter-spacing:.01em;transition:.18s ease}.btn:hover,.btn:focus-visible{transform:translateY(-1px);box-shadow:0 10px 24px rgba(6,59,91,.18)}.btn.gold{background:var(--gold);border-color:var(--gold);color:#102a3a}.btn.outline{background:transparent;color:var(--navy2)}.btn.soft{background:var(--cream);border-color:var(--line);color:var(--ink)}.btn.small{min-height:44px;padding:0 17px;font-size:14px}.nav-cta{min-height:48px;padding:0 20px}
main{overflow:hidden}.section{padding:92px 0}.section.soft{background:var(--soft)}.section.cream{background:var(--cream)}.section.navy{background:#073e5d;color:#fff}.section.navy p,.section.navy .muted{color:#d9e9f0}.kicker{display:inline-flex;align-items:center;gap:10px;color:var(--gold);font-family:Montserrat,Arial,sans-serif;font-size:14px;font-weight:800;letter-spacing:.11em;text-transform:uppercase}.kicker:before{content:"";width:28px;height:2px;background:var(--gold)}h1,h2,h3,h4{font-family:Montserrat,Arial,sans-serif;color:var(--navy);line-height:1.12;margin:0 0 18px}html[data-theme="dark"] h1,html[data-theme="dark"] h2,html[data-theme="dark"] h3,html[data-theme="dark"] h4{color:var(--navy3)}.section.navy h1,.section.navy h2,.section.navy h3{color:white}h1{font-size:clamp(42px,5.4vw,66px);letter-spacing:-.04em}h2{font-size:clamp(34px,3.6vw,46px);letter-spacing:-.035em}h3{font-size:clamp(23px,2.2vw,29px);letter-spacing:-.02em}h4{font-size:21px}p{margin:0 0 20px}.lead{font-size:21px;line-height:1.55;color:var(--muted);max-width:780px}.muted{color:var(--muted)}.micro{font-size:15px;color:var(--muted);line-height:1.45}.section-head{max-width:800px;margin-bottom:44px}.section-head h2{margin-top:11px}.section-head p{font-size:20px;color:var(--muted)}
.hero{padding:72px 0 54px;background:linear-gradient(135deg,var(--cream),var(--bg) 58%)}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}.hero-copy h1{margin:14px 0 22px}.hero-copy>p{font-size:21px;color:var(--muted);max-width:690px}.address-form{margin-top:30px;display:flex;gap:10px;padding:8px;border:1px solid var(--line);border-radius:16px;background:var(--bg);box-shadow:var(--shadow);max-width:700px}.address-form input{flex:1;min-width:0;border:0;background:transparent;color:var(--ink);padding:0 16px;font-size:18px;outline:none}.hero-sub{margin-top:14px;display:flex;flex-wrap:wrap;gap:16px 24px;align-items:center}.hero-sub a{font-weight:700;color:var(--navy2);text-decoration:none}.hero-visual{position:relative;min-height:500px}.house-scene{position:absolute;inset:0;border-radius:32px;background:linear-gradient(160deg,#dbeaf0 0%,#f4ead9 58%,#fff 100%);overflow:hidden;box-shadow:var(--shadow)}html[data-theme="dark"] .house-scene{background:linear-gradient(160deg,#163441,#2a3533 60%,#172831)}.house-scene svg{width:100%;height:100%}.scene-note{position:absolute;left:28px;bottom:26px;width:min(310px,calc(100% - 56px));background:var(--bg);border:1px solid var(--line);border-radius:16px;padding:18px 20px;box-shadow:var(--shadow)}.scene-note strong{display:block;font-family:Montserrat;font-size:18px;color:var(--navy);margin-bottom:4px}.scene-chips{position:absolute;top:24px;right:22px;display:grid;gap:9px}.chip{background:color-mix(in srgb,var(--bg) 94%,transparent);border:1px solid var(--line);border-radius:999px;padding:9px 13px;font-size:14px;font-weight:700;box-shadow:0 5px 18px rgba(0,0,0,.07)}
.promise-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--bg)}.promise-grid{display:grid;grid-template-columns:repeat(4,1fr)}.promise{display:flex;gap:14px;align-items:flex-start;padding:27px 24px;border-right:1px solid var(--line)}.promise:last-child{border-right:0}.icon-round{width:44px;height:44px;flex:0 0 auto;border-radius:50%;display:grid;place-items:center;background:var(--soft);color:var(--navy2)}.icon-round svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.promise b{font-family:Montserrat;font-size:16px;color:var(--ink);display:block;margin-bottom:4px}.promise span{font-size:16px;color:var(--muted);line-height:1.45}
.process{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:var(--bg)}.process-step{padding:34px 32px;position:relative}.process-step:not(:last-child){border-right:1px solid var(--line)}.process-num{font-family:Montserrat;font-weight:800;font-size:14px;color:var(--gold);margin-bottom:18px}.process-step p{color:var(--muted);font-size:17px;margin:0}.process-step h3{font-size:24px}
.story-stack{display:grid;gap:18px}.story{display:grid;grid-template-columns:170px 1fr auto;align-items:center;gap:28px;padding:25px 28px;border:1px solid var(--line);border-radius:var(--radius);text-decoration:none;background:var(--bg);transition:.18s ease}.story:hover,.story:focus-visible{transform:translateY(-2px);border-color:color-mix(in srgb,var(--gold) 65%,var(--line));box-shadow:var(--shadow)}.story-visual{height:120px;border-radius:15px;display:grid;place-items:center;position:relative;overflow:hidden}.story-visual svg{width:70px;height:70px;fill:none;stroke:currentColor;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}.story.inherited .story-visual{background:#f4e6d4;color:#8a5b2a}.story.repairs .story-visual{background:#e9eef1;color:#31586f}.story.landlord .story-visual{background:#e5eee9;color:#366a53}.story.vacant .story-visual{background:#ece7f2;color:#69567e}html[data-theme="dark"] .story-visual{filter:saturate(.85) brightness(.72)}.story-label{font-family:Montserrat;font-size:14px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);display:block;margin-bottom:7px}.story h3{margin:0 0 6px;font-size:27px}.story p{margin:0;color:var(--muted);font-size:17px;max-width:700px}.story-arrow{width:44px;height:44px;border-radius:50%;border:1px solid var(--line);display:grid;place-items:center;color:var(--navy2);font-size:24px}
.expect-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:60px;align-items:start}.rule-card{background:var(--cream);border:1px solid color-mix(in srgb,var(--gold) 38%,var(--line));border-radius:var(--radius);padding:34px;position:sticky;top:120px}.rule-card img{width:58px;margin-bottom:26px}.rule-card h3{font-size:30px}.expect-list{display:grid}.expect{padding:23px 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:220px 1fr;gap:30px}.expect:first-child{border-top:1px solid var(--line)}.expect b{font-family:Montserrat;color:var(--ink)}.expect span{color:var(--muted)}
.offer-simple{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}.factor-grid{display:grid;gap:12px}.factor{display:grid;grid-template-columns:42px 1fr;gap:15px;padding:15px 0;border-bottom:1px solid var(--line)}.factor svg{width:23px;height:23px;fill:none;stroke:var(--navy2);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.factor b{font-family:Montserrat;display:block;margin-bottom:3px}.factor span{color:var(--muted);font-size:16px}.number-card{background:var(--navy2);color:white;border-radius:28px;padding:42px;min-height:360px;display:flex;flex-direction:column;justify-content:center}.number-card h3{color:white;font-size:32px}.number-card p{color:#d9eaf1;font-size:18px}.number-card .equation{display:grid;gap:10px;margin-top:18px}.number-card .equation div{display:flex;justify-content:space-between;border-bottom:1px solid rgba(255,255,255,.17);padding-bottom:9px;font-size:16px}
.compare-callout{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center;background:var(--cream);border-radius:24px;padding:42px 46px}.compare-callout h2{font-size:36px}.compare-callout p{color:var(--muted);max-width:720px;margin:0}
.faq{max-width:900px}.faq details{border-top:1px solid var(--line)}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{list-style:none;cursor:pointer;font-family:Montserrat;font-weight:700;font-size:19px;padding:21px 42px 21px 0;position:relative}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";position:absolute;right:4px;top:16px;font-size:28px;font-weight:400;color:var(--gold)}.faq details[open] summary:after{content:"−"}.faq details p{padding:0 44px 22px 0;color:var(--muted)}
.page-hero{padding:68px 0 58px;background:linear-gradient(135deg,var(--cream),var(--bg))}.page-hero .container{max-width:900px;margin-left:auto;margin-right:auto}.breadcrumbs{font-size:15px;color:var(--muted);margin-bottom:24px}.breadcrumbs a{font-weight:700;color:var(--navy2);text-decoration:none}.page-hero h1{font-size:clamp(40px,5vw,60px)}.page-hero p{font-size:21px;color:var(--muted);max-width:780px}.content-narrow{max-width:900px;margin:auto}.content-narrow h2{margin-top:50px;font-size:35px}.content-narrow h3{margin-top:36px}.content-narrow p,.content-narrow li{font-size:18px}.content-narrow li{margin-bottom:8px}.callout{background:var(--cream);border-left:4px solid var(--gold);padding:24px 28px;border-radius:0 14px 14px 0;margin:32px 0}.callout strong{font-family:Montserrat}.split{display:grid;grid-template-columns:1fr 1fr;gap:26px}.info-card{border:1px solid var(--line);border-radius:18px;padding:28px;background:var(--bg)}.info-card h3{font-size:24px}.info-card p{color:var(--muted)}.bullet-list{padding-left:20px}.bullet-list li{margin:9px 0}.context-cta{margin-top:44px;background:var(--navy2);border-radius:22px;padding:34px;color:white;display:grid;grid-template-columns:1fr auto;gap:28px;align-items:center}.context-cta h3{color:white;margin-bottom:6px}.context-cta p{color:#dcecf2;margin:0}
.compare-cards{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:36px 0}.compare-card{padding:30px;border:1px solid var(--line);border-radius:20px;background:var(--bg)}.compare-card.primary{border-top:5px solid var(--navy2)}.compare-card.market{border-top:5px solid var(--gold)}.compare-card ul{padding-left:20px}.compare-card li{margin:8px 0;color:var(--muted)}
.calculator{margin-top:38px;border:1px solid var(--line);border-radius:24px;background:var(--cream);padding:34px}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.field{display:grid;gap:7px}.field.full{grid-column:1/-1}.field label{font-family:Montserrat;font-size:15px;font-weight:700;color:var(--ink)}.field small{color:var(--muted);font-size:14px}.field input,.field select,.field textarea{width:100%;min-height:52px;border:1px solid #b9c7cf;border-radius:11px;background:var(--bg);color:var(--ink);padding:12px 14px;font-size:17px;outline:none}.field textarea{min-height:130px;resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--navy2);box-shadow:0 0 0 3px color-mix(in srgb,var(--navy2) 18%,transparent)}.assumptions{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:22px 0}.assumption{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:14px}.assumption strong{font-family:Montserrat;display:block;font-size:15px}.assumption span{font-size:14px;color:var(--muted)}.calc-result{margin-top:26px;padding:26px;border-radius:16px;background:var(--bg);border:1px solid var(--line)}.result-main{display:flex;justify-content:space-between;align-items:end;gap:20px}.result-main span{font-size:16px;color:var(--muted)}.result-main strong{font-family:Montserrat;font-size:34px;color:var(--navy)}.cash-compare{margin-top:24px;padding-top:22px;border-top:1px solid var(--line)}.cash-compare[hidden]{display:none}.cash-toggle{display:flex;align-items:center;gap:10px;margin-top:24px;font-weight:700}.cash-toggle input{width:20px;height:20px}.calc-breakdown{display:grid;grid-template-columns:repeat(2,1fr);gap:8px 24px;margin-top:20px;font-size:15px;color:var(--muted)}.calc-breakdown div{display:flex;justify-content:space-between;border-bottom:1px dashed var(--line);padding:7px 0}
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:50px}.contact-card{background:var(--cream);border-radius:20px;padding:30px}.contact-card h3{font-size:26px}.contact-item{padding:16px 0;border-bottom:1px solid var(--line)}.contact-item:last-child{border-bottom:0}.contact-item span{display:block;color:var(--muted);font-size:15px}.contact-item a{font-weight:700;text-decoration:none;color:var(--navy2)}.notice{display:none;margin-top:18px;padding:16px;border-radius:10px;background:color-mix(in srgb,var(--success) 10%,var(--bg));border:1px solid color-mix(in srgb,var(--success) 30%,var(--line))}.notice.show{display:block}
footer{background:#062f48;color:#dceaf0;padding:58px 0 30px}.footer-top{display:grid;grid-template-columns:260px 1fr;gap:60px}.footer-brand{width:210px}.footer-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}.footer-cols h4{color:white;font-size:15px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}.footer-cols a{display:block;color:#dceaf0;text-decoration:none;margin:8px 0;font-size:16px}.footer-cols a:hover{color:var(--gold2)}.footer-legal{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:25px;color:#b8ced8;font-size:14px;line-height:1.6}.footer-bottom{display:flex;justify-content:space-between;gap:20px;margin-top:22px;font-size:14px;color:#b8ced8}.footer-bottom a{color:inherit;margin-left:16px}
.modal{position:fixed;inset:0;z-index:200;background:rgba(4,20,29,.68);display:none;align-items:center;justify-content:center;padding:20px}.modal.open{display:flex}.modal-card{width:min(680px,100%);max-height:92vh;overflow:auto;background:var(--bg);border-radius:24px;box-shadow:0 30px 90px rgba(0,0,0,.3);padding:30px}.modal-head{display:flex;justify-content:space-between;gap:20px;align-items:flex-start}.modal-head h3{margin:8px 0 4px;font-size:29px}.modal-close{width:42px;height:42px;border:0;border-radius:50%;background:var(--soft);color:var(--ink);font-size:26px;line-height:1}.progress{display:grid;grid-template-columns:repeat(4,1fr);gap:7px;margin:23px 0 28px}.progress span{height:5px;background:var(--line);border-radius:99px}.progress span.active{background:var(--gold)}.form-step{display:none}.form-step.active{display:block}.form-step[hidden],.progress[hidden],.submission-success[hidden]{display:none}.form-step>p{color:var(--muted)}.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.choice{min-height:58px;border:1px solid var(--line);border-radius:12px;background:var(--bg);color:var(--ink);text-align:left;padding:13px 15px;font-weight:600}.choice.selected{border-color:var(--navy2);background:color-mix(in srgb,var(--navy2) 8%,var(--bg));box-shadow:inset 0 0 0 1px var(--navy2)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:17px}.form-actions{display:flex;justify-content:space-between;gap:12px;margin-top:26px}.checkbox-row{display:flex;gap:10px;align-items:flex-start;margin-top:18px}.checkbox-row input{width:20px;height:20px;margin-top:4px}.validation{display:none;font-size:14px;margin-top:5px}.validation.show{display:block}.validation.valid{color:var(--success)}.validation.invalid{color:var(--danger)}.validation.warn{color:var(--warn)}.validation.checking{color:var(--muted)}.field-error{font-size:14px;color:var(--danger)}.field input[aria-invalid="true"],.field select[aria-invalid="true"],.field textarea[aria-invalid="true"]{border-color:var(--danger)}.submission-success{text-align:center;padding:18px 0}.success-icon{width:58px;height:58px;border-radius:50%;display:grid;place-items:center;margin:0 auto 18px;background:color-mix(in srgb,var(--success) 15%,var(--bg));color:var(--success);font-size:28px;font-weight:800}.context-note{background:var(--cream);border-radius:12px;padding:13px 15px;margin:0 0 17px;color:var(--muted);font-size:16px}.extra-context{margin-top:16px}.extra-context[hidden]{display:none}
.mobile-cta{display:none}
@media(max-width:1220px){.container{width:min(100% - 32px,1040px)}.nav{position:absolute;left:0;right:0;top:var(--header-h);background:var(--bg);border-bottom:1px solid var(--line);display:none;flex-direction:column;align-items:stretch;padding:18px 24px 24px;gap:0;box-shadow:0 18px 36px rgba(0,0,0,.08)}.nav.open{display:flex}.nav a{padding:13px 4px;border-bottom:1px solid var(--line)}.nav .nav-cta{margin-top:14px;border-bottom:0}.menu-btn{display:grid}.header-actions{margin-left:auto}.brand img{width:165px}.hero-grid{gap:40px}.story{grid-template-columns:145px 1fr auto}}
@media(max-width:900px){body{font-size:17px}.section{padding:72px 0}.hero{padding:52px 0 42px}.hero-grid,.expect-grid,.offer-simple,.contact-grid{grid-template-columns:1fr}.hero-visual{min-height:390px}.promise-grid{grid-template-columns:1fr 1fr}.promise:nth-child(2){border-right:0}.promise:nth-child(-n+2){border-bottom:1px solid var(--line)}.process{grid-template-columns:1fr}.process-step:not(:last-child){border-right:0;border-bottom:1px solid var(--line)}.story{grid-template-columns:105px 1fr auto}.story-visual{height:100px}.expect-grid{gap:28px}.rule-card{position:static}.compare-callout,.context-cta{grid-template-columns:1fr}.compare-cards,.calc-grid{grid-template-columns:1fr}.assumptions{grid-template-columns:1fr 1fr}.footer-top{grid-template-columns:1fr}.footer-cols{grid-template-columns:repeat(3,1fr)}}
@media(max-width:620px){:root{--header-h:78px}.container{width:calc(100% - 28px)}body{font-size:17px;line-height:1.58}.brand img{width:145px}.theme-btn,.menu-btn{width:40px;height:40px}.navrow{gap:10px}.section{padding:58px 0}.hero{padding:42px 0 38px}.hero-grid{gap:30px}.hero-copy>p,.lead,.page-hero p,.section-head p{font-size:18px}.address-form{display:grid;padding:7px}.address-form input{min-height:54px}.address-form .btn{width:100%}.hero-visual{min-height:330px}.scene-chips{display:none}.scene-note{left:16px;bottom:16px;width:calc(100% - 32px)}.promise-grid{grid-template-columns:1fr}.promise,.promise:nth-child(2),.promise:nth-child(-n+2){border-right:0;border-bottom:1px solid var(--line);padding:20px 8px}.promise:last-child{border-bottom:0}.process-step{padding:26px 23px}.story{grid-template-columns:70px 1fr;gap:16px;padding:20px}.story-visual{height:70px}.story-visual svg{width:46px;height:46px}.story-arrow{display:none}.story h3{font-size:23px}.story p{font-size:16px}.expect{grid-template-columns:1fr;gap:6px}.number-card{padding:28px;min-height:auto}.compare-callout{padding:28px}.page-hero{padding:48px 0}.page-hero h1{font-size:40px}.split{grid-template-columns:1fr}.calculator{padding:22px}.assumptions{grid-template-columns:1fr}.result-main{align-items:flex-start;flex-direction:column}.calc-breakdown{grid-template-columns:1fr}.footer-cols{grid-template-columns:1fr 1fr}.footer-bottom{display:block}.footer-bottom div:last-child{margin-top:10px}.footer-bottom a{margin:0 14px 0 0}.modal{padding:10px}.modal-card{padding:22px;border-radius:18px;max-height:96vh}.choice-grid,.form-grid{grid-template-columns:1fr}.form-actions{position:sticky;bottom:-22px;background:var(--bg);padding:15px 0 22px;z-index:2}.mobile-cta{display:block;position:fixed;left:0;right:0;bottom:0;z-index:70;background:color-mix(in srgb,var(--bg) 96%,transparent);border-top:1px solid var(--line);padding:9px 14px}.mobile-cta .btn{width:100%;min-height:48px}.footer-bottom{padding-bottom:64px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.001ms;animation-iteration-count:1;transition-duration:.001ms}}


.hero-photo-stage{position:absolute;inset:0;border-radius:32px;overflow:hidden;background:#dfe8eb;box-shadow:var(--shadow)}
.hero-photo-main{width:100%;height:100%;object-fit:cover;filter:saturate(.9) contrast(1.02)}
.hero-photo-stage:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(5,27,39,.02) 45%,rgba(5,27,39,.42) 100%);pointer-events:none}
.hero-photo-inset{position:absolute;right:18px;bottom:18px;width:37%;border-radius:16px;overflow:hidden;border:4px solid color-mix(in srgb,var(--bg) 92%,transparent);box-shadow:0 16px 34px rgba(0,0,0,.24);z-index:2;background:var(--bg)}
.hero-photo-inset img{width:100%;height:112px;object-fit:cover}.hero-photo-inset span{display:block;padding:10px 12px;font-family:Montserrat,Arial,sans-serif;font-size:12px;line-height:1.35;font-weight:700;color:var(--ink);background:var(--bg)}
.story.hardship .story-visual,.story.foreclosure .story-visual{background:#f3e3dc;color:#8a4433}.story.liens .story-visual,.story.bankruptcy .story-visual,.story.legal .story-visual{background:#e8e5ef;color:#5e5477}.story.relocation .story-visual{background:#e5edf4;color:#355e78}
.situation-group{margin-top:72px}.difference-compare{margin-top:34px;margin-bottom:14px}.difference-note{max-width:760px}
@media(max-width:620px){.hero-photo-inset{width:44%;right:12px;bottom:12px}.hero-photo-inset img{height:78px}.hero-photo-inset span{font-size:11px;padding:8px}.situation-group{margin-top:54px}}



.hero{padding:58px 0 44px}
.hero-grid{grid-template-columns:1.08fr .92fr;gap:54px;align-items:center}
.hero-visual{min-height:420px}
.hero-photo-stage.hero-photo-single{inset:0;border-radius:28px}
.hero-photo-single .hero-photo-main{height:100%;object-position:center 48%}
.hero-photo-single:after{background:linear-gradient(180deg,rgba(5,27,39,0) 48%,rgba(5,27,39,.38) 100%)}
.scene-note.scene-note-wide{left:24px;right:24px;bottom:22px;width:auto;max-width:430px;background:color-mix(in srgb,var(--bg) 94%,transparent);backdrop-filter:blur(8px)}
.scene-note-wide strong{font-size:20px;margin-bottom:7px}
.scene-note-wide .micro{font-size:15px}

.difference-section{padding-top:84px}
.difference-intro{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(280px,.55fr);gap:48px;align-items:end;margin-bottom:44px}
.difference-intro h2{margin-top:12px;max-width:850px}
.difference-intro>div>p{font-size:20px;color:var(--muted);max-width:850px}
.difference-promise{border:1px solid var(--line);border-radius:22px;padding:28px;background:var(--soft);display:grid;gap:10px}
.difference-promise img{width:42px;height:42px;object-fit:contain;margin-bottom:4px}
.difference-promise strong{font-family:Montserrat,Arial,sans-serif;font-size:24px;color:var(--navy)}
.difference-promise span{color:var(--muted);font-size:17px}
html[data-theme="dark"] .difference-promise strong{color:var(--navy3)}

.support-rows{border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-bottom:70px}
.support-row{display:grid;grid-template-columns:160px minmax(260px,.8fr) minmax(360px,1.2fr);gap:28px;align-items:start;padding:28px 0;border-bottom:1px solid var(--line)}
.support-row:last-child{border-bottom:0}
.support-tag{font-family:Montserrat,Arial,sans-serif;font-size:13px;font-weight:800;letter-spacing:.08em;color:var(--gold)}
.support-row h3{font-size:23px;margin:0}
.support-row p{margin:0;color:var(--muted);font-size:17px}

.difference-comparison{margin-top:20px}
.difference-comparison-head{max-width:900px;margin-bottom:28px}
.difference-comparison-head h2{margin-top:12px}
.difference-table{border:1px solid var(--line);border-radius:22px;overflow:hidden;background:var(--bg)}
.difference-row{display:grid;grid-template-columns:minmax(180px,.7fr) minmax(260px,1fr) minmax(300px,1.2fr)}
.difference-row>*{padding:20px 22px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.difference-row>*:last-child{border-right:0}
.difference-row:last-child>*{border-bottom:0}
.difference-row-head{background:var(--soft);font-family:Montserrat,Arial,sans-serif;font-weight:800;color:var(--navy)}
.difference-row>strong{font-family:Montserrat,Arial,sans-serif;color:var(--navy)}
.difference-row>span{color:var(--muted)}
.difference-row>span:last-child{color:var(--ink);background:color-mix(in srgb,var(--navy2) 5%,var(--bg))}
html[data-theme="dark"] .difference-row-head,html[data-theme="dark"] .difference-row>strong{color:var(--navy3)}
.difference-note{max-width:920px;margin-top:16px}

.page-hero h1{max-width:900px}
.page-hero p{max-width:840px}

@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:34px}.hero-visual{min-height:350px}
  .difference-intro{grid-template-columns:1fr;gap:24px;align-items:start}
  .support-row{grid-template-columns:1fr;gap:7px;padding:24px 0}
  .support-tag{margin-bottom:2px}
  .difference-table{border:0;background:transparent;display:grid;gap:16px}
  .difference-row-head{display:none}
  .difference-row{grid-template-columns:1fr;border:1px solid var(--line);border-radius:18px;overflow:hidden;background:var(--bg)}
  .difference-row>*{border-right:0;padding:15px 18px}
  .difference-row>strong{background:var(--soft)}
  .difference-row>span:before{display:block;font-family:Montserrat,Arial,sans-serif;font-size:12px;font-weight:800;letter-spacing:.07em;color:var(--gold);margin-bottom:5px}
  .difference-row>span:nth-child(2):before{content:"BASIC DIRECT SALE"}
  .difference-row>span:nth-child(3):before{content:"HOMES GENERAL"}
}
@media(max-width:620px){
  .hero{padding:36px 0 34px}.hero-visual{min-height:300px}.hero-photo-stage.hero-photo-single{border-radius:22px}
  .scene-note.scene-note-wide{left:14px;right:14px;bottom:14px;max-width:none;padding:15px 16px}.scene-note-wide strong{font-size:17px}.scene-note-wide .micro{font-size:14px}
  .difference-section{padding-top:56px}.difference-intro>div>p{font-size:18px}.difference-promise{padding:22px}
  .difference-comparison-head h2{font-size:32px}
}



:root{--action-text:#fff;--cyan-surface:#0b4f73;--cyan-surface-text:#fff}
html[data-theme="dark"]{--action-text:#082431;--cyan-surface:#7cc0df;--cyan-surface-text:#082431}
main{overflow-x:clip;overflow-y:visible}
[id]{scroll-margin-top:calc(var(--header-h) + 18px)}
.btn:not(.gold):not(.soft):not(.outline){color:var(--action-text)}
html[data-theme="dark"] .number-card{color:#082431;background:var(--cyan-surface)}
html[data-theme="dark"] .number-card h3,html[data-theme="dark"] .number-card p{color:#082431}
html[data-theme="dark"] .context-cta{color:#082431;background:var(--cyan-surface)}
html[data-theme="dark"] .context-cta h3,html[data-theme="dark"] .context-cta p{color:#082431}
.micro{font-size:16px}
.progress-label{font-family:Montserrat,Arial,sans-serif;font-size:14px;font-weight:800;color:var(--muted);margin:2px 0 8px}
.choice[aria-pressed="true"]{border-color:var(--gold);background:color-mix(in srgb,var(--gold) 12%,var(--bg));box-shadow:inset 0 0 0 1px var(--gold)}


.hero-dual-stage{position:absolute;inset:0;display:grid;grid-template-columns:58fr 42fr;border-radius:28px;overflow:hidden;background:var(--soft);box-shadow:var(--shadow)}
.hero-dual-photo{position:relative;min-width:0;overflow:hidden}
.hero-dual-photo img{width:100%;height:100%;object-fit:cover}
.hero-dual-photo.normal img{object-position:center center}
.hero-dual-photo.distressed img{object-position:center center}
.hero-dual-photo.distressed:before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(180deg,rgba(5,27,39,.02),rgba(5,27,39,.12));pointer-events:none}
.hero-dual-stage:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 52%,rgba(5,27,39,.48) 100%);pointer-events:none;z-index:2}
.hero-dual-stage .scene-note{z-index:3;left:22px;right:22px;bottom:20px;width:auto;max-width:470px;background:color-mix(in srgb,var(--bg) 94%,transparent);backdrop-filter:blur(8px)}
.hero-dual-stage .scene-note strong{font-size:19px}
.hero-condition-divider{position:absolute;z-index:2;top:0;bottom:0;left:58%;width:1px;background:rgba(255,255,255,.45);box-shadow:0 0 0 1px rgba(5,27,39,.08)}


.carry-card{margin-top:20px;padding:24px;border:1px solid var(--line);border-radius:18px;background:var(--soft)}
.carry-card .result-main{margin-bottom:14px}
.carry-breakdown{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.carry-breakdown>div{padding:12px;border-radius:12px;background:var(--bg);border:1px solid var(--line)}
.carry-breakdown span{display:block;font-size:14px;color:var(--muted)}
.carry-breakdown strong{display:block;margin-top:3px;font-family:Montserrat,Arial,sans-serif;font-size:18px;color:var(--ink)}
.carry-note{margin-top:12px;color:var(--muted);font-size:16px}

@media(max-width:1050px){
  .hero-grid{grid-template-columns:1fr;gap:34px}
  .hero-visual{min-height:390px}
}
@media(max-width:620px){
  .theme-btn,.menu-btn{width:44px;height:44px}
  .modal{padding:10px max(10px,env(safe-area-inset-right)) max(10px,env(safe-area-inset-bottom)) max(10px,env(safe-area-inset-left))}
  .modal-card{max-height:calc(100dvh - 20px)}
  .hero-dual-stage{grid-template-columns:55fr 45fr;border-radius:22px}
  .hero-condition-divider{left:55%}
  .hero-dual-stage .scene-note{left:12px;right:12px;bottom:12px;padding:14px 15px;max-width:none}
  .hero-dual-stage .scene-note strong{font-size:17px}
  .micro{font-size:16px}
  .carry-breakdown{grid-template-columns:1fr 1fr}
}
@media(max-width:460px){.footer-cols{grid-template-columns:1fr}.carry-breakdown{grid-template-columns:1fr}}

.difference-brief{margin-top:28px;padding:28px;border:1px solid var(--line);border-radius:20px;background:var(--soft);display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}.difference-brief h3{margin:8px 0 8px;font-size:25px}.difference-brief p{margin:0}@media(max-width:700px){.difference-brief{grid-template-columns:1fr}.difference-brief .btn{width:100%}}



.nav-dropdown{position:relative;display:flex;align-items:center}
.nav-dropdown summary{list-style:none;cursor:pointer;font-family:Montserrat,Arial,sans-serif;font-size:16px;font-weight:700;color:var(--ink);white-space:nowrap;display:flex;align-items:center;gap:6px;padding:8px 0}
.nav-dropdown summary::-webkit-details-marker{display:none}
.nav-dropdown summary:after{content:"⌄";font-size:14px;line-height:1;transform:translateY(-1px);color:var(--muted)}
.nav-dropdown[open] summary,.nav-dropdown summary:hover,.nav-dropdown summary:focus-visible{color:var(--gold)}
.nav-submenu{display:none;position:absolute;top:calc(100% + 14px);right:0;min-width:220px;padding:10px;border:1px solid var(--line);border-radius:14px;background:var(--bg);box-shadow:var(--shadow);z-index:95}
.nav-dropdown[open] .nav-submenu{display:grid}
.nav-submenu a{padding:11px 12px!important;border:0!important;border-radius:9px;font-size:15px!important}
.nav-submenu a:hover,.nav-submenu a:focus-visible{background:var(--soft)}
.lookout-toc{margin:34px 0 46px;padding:26px;border:1px solid var(--line);border-radius:20px;background:var(--soft)}
.lookout-toc strong{display:block;font-family:Montserrat,Arial,sans-serif;font-size:18px;margin-bottom:13px;color:var(--ink)}
.lookout-toc-links{display:grid;grid-template-columns:1fr 1fr;gap:8px 24px}
.lookout-toc a{color:var(--navy2);font-weight:700;text-decoration:none;padding:4px 0}
.lookout-rule{margin:34px 0;padding:28px 30px;border-radius:20px;background:var(--navy2);color:var(--cyan-surface-text)}
.lookout-rule strong{display:block;font-family:Montserrat,Arial,sans-serif;font-size:24px;margin-bottom:8px;color:inherit}
.lookout-rule p{color:inherit;margin:0}
.lookout-process{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:26px 0 40px}
.lookout-step{padding:22px;border:1px solid var(--line);border-radius:16px;background:var(--bg)}
.lookout-step b{display:block;font-family:Montserrat,Arial,sans-serif;color:var(--ink);margin-bottom:6px}
.lookout-step span{color:var(--muted);font-size:16px}
.lookout-triad{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:24px 0 38px}
.lookout-state{padding:22px;border-radius:16px;border:1px solid var(--line);background:var(--bg)}
.lookout-state .label{display:block;font-family:Montserrat,Arial,sans-serif;font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:8px}
.lookout-state.normal .label{color:var(--success)}
.lookout-state.ask .label{color:var(--gold)}
.lookout-state.red .label{color:var(--danger)}
.lookout-state b{display:block;font-family:Montserrat,Arial,sans-serif;margin-bottom:6px;color:var(--ink)}
.lookout-state p{font-size:16px!important;color:var(--muted);margin:0}
.lookout-hg{margin:44px 0;padding:32px;border:1px solid color-mix(in srgb,var(--gold) 45%,var(--line));border-radius:22px;background:var(--cream)}
.lookout-hg h2{margin-top:0!important}
.lookout-questions{columns:2;column-gap:44px;padding-left:22px}
.lookout-questions li{break-inside:avoid;margin-bottom:10px!important}
.lookout-disclaimer{font-size:15px!important;color:var(--muted);border-top:1px solid var(--line);padding-top:22px;margin-top:44px}
@media(max-width:1220px){
  .nav-dropdown{display:block}
  .nav-dropdown summary{padding:13px 4px;border-bottom:1px solid var(--line);justify-content:space-between}
  .nav-submenu{position:static;display:none;min-width:0;padding:4px 0 8px 14px;border:0;border-radius:0;box-shadow:none;background:transparent}
  .nav-dropdown[open] .nav-submenu{display:grid}
  .nav-submenu a{padding:10px 4px!important;border-bottom:1px solid var(--line)!important;border-radius:0;font-size:16px!important}
}
@media(max-width:700px){
  .lookout-toc-links,.lookout-process,.lookout-triad{grid-template-columns:1fr}
  .lookout-questions{columns:1}
  .lookout-rule,.lookout-hg{padding:24px}
}



html:not([data-theme="dark"]) .number-card{background:#f8fbfd;color:var(--ink);border:1px solid #b8d6e4;box-shadow:0 18px 48px rgba(6,59,91,.10)}
html:not([data-theme="dark"]) .number-card h3{color:#063b5b}
html:not([data-theme="dark"]) .number-card p{color:#445864}
html:not([data-theme="dark"]) .number-card .kicker{color:#8a5a12!important}
html:not([data-theme="dark"]) .number-card .equation{gap:12px}
html:not([data-theme="dark"]) .number-card .equation div{border:0;border-left:5px solid #0b4f73;border-radius:12px;padding:14px 16px;background:#e9f4f9;color:#102a3a}
html:not([data-theme="dark"]) .number-card .equation div:nth-child(2){border-left-color:#c58b32;background:#fff4df}
html:not([data-theme="dark"]) .number-card .equation span{font-weight:700}
html:not([data-theme="dark"]) .number-card .equation strong{color:#063b5b}

.hero-dual-stage{grid-template-rows:minmax(0,1fr) auto}
.hero-dual-photo{grid-row:1}
.hero-dual-photo.normal{grid-column:1}
.hero-dual-photo.distressed{grid-column:2}
.hero-dual-stage:after{display:none}
.hero-dual-stage .scene-note{position:static;grid-column:1/-1;grid-row:2;left:auto;right:auto;bottom:auto;width:auto;max-width:none;border:0;border-top:1px solid var(--line);border-radius:0;padding:17px 20px;background:var(--bg);box-shadow:none;backdrop-filter:none;display:grid;grid-template-columns:minmax(220px,.8fr) minmax(0,1.2fr);gap:20px;align-items:center}
.hero-dual-stage .scene-note strong{margin:0;font-size:18px}
.hero-dual-stage .scene-note .micro{margin:0}
.difference-page-table{margin:34px 0 10px}
@media(max-width:700px){.hero-dual-stage .scene-note{grid-template-columns:1fr;gap:5px;padding:14px 15px}.hero-dual-stage .scene-note strong{font-size:17px}}



html[data-theme="dark"] .number-card{
  background:#102a3a;
  color:#eaf5fa;
  border:1px solid #315463;
  box-shadow:0 18px 48px rgba(0,0,0,.22);
}
html[data-theme="dark"] .number-card h3{color:#f1f8fb}
html[data-theme="dark"] .number-card p{color:#c7dbe4}
html[data-theme="dark"] .number-card .kicker{color:var(--gold2)}
html[data-theme="dark"] .number-card .equation{gap:12px}
html[data-theme="dark"] .number-card .equation div{
  border:0;
  border-left:5px solid #7cc0df;
  border-radius:12px;
  padding:14px 16px;
  background:#123b4f;
  color:#eaf5fa;
}
html[data-theme="dark"] .number-card .equation div:nth-child(2){
  border-left-color:#e0ae60;
  background:#302817;
}
html[data-theme="dark"] .number-card .equation span{font-weight:700;color:#eaf5fa}
html[data-theme="dark"] .number-card .equation strong{color:#fff}
.footer-cols{grid-template-columns:repeat(4,minmax(0,1fr));gap:26px}
.footer-tagline{margin-top:16px;color:#b8ced8;max-width:250px}
.field-help{margin-top:-2px}
.email-delivery-card{margin-top:48px;padding:34px;border:1px solid var(--line);border-radius:22px;background:var(--soft);scroll-margin-top:calc(var(--header-h) + 18px)}
.email-delivery-card h2{margin:10px 0 14px;font-size:34px}
.email-delivery-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:24px}
.email-delivery-grid>div{padding:22px;border:1px solid var(--line);border-radius:16px;background:var(--bg)}
.email-delivery-grid h3{font-size:21px;margin:0 0 8px}
.email-delivery-grid p{font-size:17px;color:var(--muted);margin:0}
.email-success-note{margin:20px 0;padding:16px;border:1px solid var(--line);border-radius:14px;background:var(--soft);display:grid;gap:5px}
.email-success-note strong{font-family:Montserrat,Arial,sans-serif;color:var(--ink)}
.email-success-note span{color:var(--muted);font-size:16px;line-height:1.5}
.contact-email-reminder{display:block;margin-top:5px;color:var(--muted)}
@media(max-width:1050px){.footer-cols{grid-template-columns:repeat(2,1fr)}}
@media(max-width:700px){.email-delivery-grid{grid-template-columns:1fr}.email-delivery-card{padding:24px}.email-delivery-card h2{font-size:30px}}
@media(max-width:460px){.footer-cols{grid-template-columns:1fr}}

/* V8.7 clarity refinements */
/* Difference table: clearer scan path and stronger Homes General column */
.difference-page-table{border:1px solid color-mix(in srgb,var(--navy2) 34%,var(--line));box-shadow:0 18px 48px rgba(3,28,43,.08)}
.difference-page-table .difference-row-head>*{font-size:14px;letter-spacing:.02em;text-transform:uppercase}
.difference-page-table .difference-row-head>*:first-child{background:var(--navy);color:#fff}
.difference-page-table .difference-row-head>*:nth-child(2){background:color-mix(in srgb,var(--soft) 72%,var(--bg));color:var(--ink)}
.difference-page-table .difference-row-head>*:nth-child(3){background:color-mix(in srgb,var(--navy2) 18%,var(--bg));color:var(--navy);border-left:3px solid var(--navy2)}
.difference-page-table .difference-row>strong{background:color-mix(in srgb,var(--soft) 68%,var(--bg));font-size:16px}
.difference-page-table .difference-row>span:nth-child(2){background:color-mix(in srgb,var(--soft) 28%,var(--bg));color:var(--muted)}
.difference-page-table .difference-row>span:nth-child(3){background:color-mix(in srgb,var(--navy2) 8%,var(--bg));border-left:3px solid color-mix(in srgb,var(--navy2) 72%,transparent);color:var(--ink);font-weight:600}
.difference-page-table .difference-row:nth-child(even)>span:nth-child(2){background:color-mix(in srgb,var(--soft) 44%,var(--bg))}
.difference-page-table .difference-row:nth-child(even)>span:nth-child(3){background:color-mix(in srgb,var(--navy2) 12%,var(--bg))}
html[data-theme="dark"] .difference-page-table{border-color:#31505f;box-shadow:none}
html[data-theme="dark"] .difference-page-table .difference-row-head>*:first-child{background:#071d28;color:#fff}
html[data-theme="dark"] .difference-page-table .difference-row-head>*:nth-child(2){background:#102733;color:#d9e8ef}
html[data-theme="dark"] .difference-page-table .difference-row-head>*:nth-child(3){background:#163b4c;color:#a8ddf4;border-left-color:#7cc0df}
html[data-theme="dark"] .difference-page-table .difference-row>strong{background:#102733;color:#fff}
html[data-theme="dark"] .difference-page-table .difference-row>span:nth-child(2){background:#0b202b;color:#c2d3dc}
html[data-theme="dark"] .difference-page-table .difference-row>span:nth-child(3){background:#12313f;border-left-color:#7cc0df;color:#edf7fb}
html[data-theme="dark"] .difference-page-table .difference-row:nth-child(even)>span:nth-child(2){background:#0e2530}
html[data-theme="dark"] .difference-page-table .difference-row:nth-child(even)>span:nth-child(3){background:#153846}

/* Calculator: guided worksheet + results panel */
.calculator-v87{padding:0;background:transparent;border:0;margin-top:36px}
.calc-topline{display:flex;justify-content:space-between;gap:40px;align-items:end;margin-bottom:22px}
.calc-topline h3{font-size:32px;margin:5px 0 0}
.calc-topline>p{max-width:500px;margin:0;color:var(--muted)}
.calc-workspace{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(340px,.72fr);gap:24px;align-items:start}
.calc-inputs{display:grid;gap:16px}
.calc-section{border:1px solid var(--line);border-radius:20px;background:var(--cream);padding:24px}
.calc-section-head{display:flex;gap:14px;align-items:flex-start;margin-bottom:20px;padding-bottom:17px;border-bottom:1px solid var(--line)}
.calc-section-head h4{font-family:Montserrat,Arial,sans-serif;font-size:20px;margin:0 0 3px;color:var(--navy)}
.calc-section-head p{margin:0;color:var(--muted);font-size:16px}
.calc-step{width:34px;height:34px;flex:0 0 34px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:white;font-family:Montserrat,Arial,sans-serif;font-weight:800}
.calculator-v87 .field label{font-size:15px}
.money-field,.percent-field,.suffix-field{display:flex;align-items:center;min-height:54px;border:1px solid #b9c7cf;border-radius:12px;background:var(--bg);overflow:hidden;transition:border-color .15s,box-shadow .15s}
.money-field:focus-within,.percent-field:focus-within,.suffix-field:focus-within{border-color:var(--navy2);box-shadow:0 0 0 3px color-mix(in srgb,var(--navy2) 18%,transparent)}
.money-field>span,.percent-field>span,.suffix-field>span{padding:0 0 0 14px;color:var(--muted);font-weight:700;white-space:nowrap}
.percent-field>span,.suffix-field>span{padding:0 14px 0 0}
.money-field input,.percent-field input,.suffix-field input{border:0;box-shadow:none;border-radius:0;background:transparent;min-height:52px;padding:12px 12px}
.calc-assumptions{border:1px solid var(--line);border-radius:16px;background:var(--bg);padding:0 18px}
.calc-assumptions summary{cursor:pointer;font-family:Montserrat,Arial,sans-serif;font-weight:700;padding:16px 0}
.calc-assumptions[open] summary{border-bottom:1px solid var(--line)}
.calc-assumptions .assumptions{margin:18px 0 12px}
.calc-results-panel{position:sticky;top:calc(var(--header-h) + 20px);margin:0;padding:26px;border-radius:20px;background:var(--navy);border:1px solid color-mix(in srgb,var(--navy2) 40%,transparent);color:#edf7fb;box-shadow:0 22px 60px rgba(3,28,43,.16)}
.calc-results-panel .calc-result-label{font-family:Montserrat,Arial,sans-serif;font-size:14px;letter-spacing:.05em;text-transform:uppercase;color:#9fc9da;font-weight:800}
.calc-results-panel .calc-total{display:block;font-family:Montserrat,Arial,sans-serif;font-size:42px;line-height:1.1;color:#fff;margin-top:8px}
.calc-result-sub{margin:6px 0 18px;color:#bcd1db;font-size:15px}
.calc-results-panel .calc-breakdown{grid-template-columns:1fr;margin-top:8px;color:#c8d9e0}
.calc-results-panel .calc-breakdown strong{color:#fff}
.calc-results-panel .carry-card{margin-top:22px;border:1px solid #31505f;background:#102c39;border-radius:16px;padding:18px}
.carry-heading{display:flex;justify-content:space-between;gap:18px;align-items:start;margin-bottom:14px}
.carry-heading span{display:block;font-family:Montserrat,Arial,sans-serif;font-weight:800;color:#fff}
.carry-heading small{display:block;color:#a9c1cc;margin-top:3px}
.carry-heading>strong{font-family:Montserrat,Arial,sans-serif;font-size:28px;color:#7cc0df}
.calc-results-panel .carry-breakdown{grid-template-columns:1fr 1fr;gap:8px}
.calc-results-panel .carry-breakdown>div{background:#0a202a;border:1px solid #294653;border-radius:12px;padding:10px}
.calc-results-panel .carry-breakdown span{font-size:13px;color:#9fc0ce}
.calc-results-panel .carry-breakdown strong{font-size:17px;color:#fff}
.calc-results-panel .carry-note{color:#b8ced8;font-size:14px;line-height:1.5}
.calc-results-panel .cash-toggle{border:1px solid #31505f;background:#0b202b;border-radius:14px;padding:14px;margin-top:20px;align-items:flex-start}
.calc-results-panel .cash-toggle span{display:grid;gap:2px}
.calc-results-panel .cash-toggle strong{color:#fff}
.calc-results-panel .cash-toggle small{color:#a9c1cc;font-weight:400}
.calc-results-panel .cash-compare{border-top-color:#31505f}
.calc-results-panel .field label{color:#edf7fb}
.calc-results-panel .field small{color:#a9c1cc}
.calc-results-panel .field input{background:#0b202b;color:#fff;border-color:#496674}
.calc-results-panel .money-field{background:#0b202b;border-color:#496674}
.calc-results-panel .money-field span{color:#9fc0ce}.calc-results-panel .money-field input{border:0;background:transparent;box-shadow:none}
.direct-result,.net-difference{display:flex;justify-content:space-between;gap:16px;align-items:center;padding:13px 0;border-bottom:1px solid #31505f;color:#bcd1db}
.direct-result strong,.net-difference strong{font-family:Montserrat,Arial,sans-serif;color:#fff;font-size:20px}
.calc-disclaimer{max-width:1000px;margin:18px auto 0;color:var(--muted);text-align:center}
html[data-theme="dark"] .calc-section{background:#112a36}
html[data-theme="dark"] .calc-step{background:#7cc0df;color:#062131}
html[data-theme="dark"] .calc-section-head h4{color:#edf7fb}
html[data-theme="dark"] .calc-assumptions{background:#0b202b}

@media(max-width:1000px){.calc-workspace{grid-template-columns:1fr}.calc-results-panel{position:static}.calc-topline{align-items:start;flex-direction:column;gap:10px}}
@media(max-width:620px){.calc-topline h3{font-size:27px}.calc-section{padding:18px}.calc-section-head{gap:11px}.calc-results-panel{padding:20px}.calc-results-panel .calc-total{font-size:36px}.calc-results-panel .carry-breakdown{grid-template-columns:1fr}.difference-page-table .difference-row>span:nth-child(3){border-left:0}}

/* V8.8 final polish */
/* Keep the live calculator summary high-contrast in both themes. */
.calc-results-panel{
  background:#07354b;
  border-color:#2c6278;
  color:#f4fbfe;
}
.calc-results-panel .calc-result-label{color:#b8dbe8}
.calc-results-panel .calc-result-sub{color:#c8dbe3}
.calc-results-panel .calc-breakdown{color:#d2e2e8}
.calc-results-panel .carry-card{background:#0d2a38;border-color:#376071}
.calc-results-panel .carry-breakdown>div{background:#081f2a;border-color:#315362}
.calc-results-panel .carry-breakdown span{color:#b1ced9}
.calc-results-panel .carry-note{color:#c3d8e1}
.calc-results-panel .cash-toggle{background:#081f2a;border-color:#376071}
.calc-results-panel .cash-toggle small{color:#b7ced8}
.calc-results-panel .field small{color:#b7ced8}
.calc-results-panel .field input,.calc-results-panel .money-field{background:#081f2a;border-color:#4c7485}
.calc-results-panel .money-field span{color:#b8d3dd}
html[data-theme="dark"] .calc-results-panel{
  background:#0b2734;
  border-color:#3b5967;
  box-shadow:0 22px 60px rgba(0,0,0,.22);
}
html[data-theme="dark"] .calc-results-panel .carry-card{background:#102f3d;border-color:#3b5b69}
html[data-theme="dark"] .calc-results-panel .carry-breakdown>div,
html[data-theme="dark"] .calc-results-panel .cash-toggle,
html[data-theme="dark"] .calc-results-panel .field input,
html[data-theme="dark"] .calc-results-panel .money-field{background:#081f2a}

/* Make numeric work feel more like a financial tool. */
.calculator-v87 input,.calc-results-panel strong{font-variant-numeric:tabular-nums}
.calc-results-panel .calc-total{letter-spacing:-.025em}

/* Avoid a dropdown being left floating over unrelated content after scrolling. */
.nav-submenu{max-height:min(70dvh,420px);overflow:auto}

/* Small-screen footer/legal breathing room. */
@media(max-width:460px){
  .footer-legal{font-size:14px;line-height:1.68}
  .footer-cols{gap:24px}
}

.hp-field{position:absolute;left:-10000px;top:auto;width:1px;height:1px;overflow:hidden;opacity:0;pointer-events:none}

/* V8.11 calculator alignment and input consistency */
.calculator-v87 .calc-grid{align-items:start}
.calculator-v87 .calc-grid>.field{min-width:0}
.calculator-v87 .calc-grid>.field>label{
  min-height:58px;
  display:flex;
  align-items:flex-end;
  line-height:1.28;
}
.calculator-v87 .money-field,
.calculator-v87 .percent-field,
.calculator-v87 .suffix-field,
.calculator-v87 .field select{
  width:100%;
  height:56px;
  min-height:56px;
  border-radius:12px;
}
.calculator-v87 .money-field input,
.calculator-v87 .percent-field input,
.calculator-v87 .suffix-field input{
  width:100%;
  height:54px;
  min-height:54px;
  padding-top:0;
  padding-bottom:0;
}
.calculator-v87 .money-field>span{
  width:38px;
  flex:0 0 38px;
  padding:0;
  text-align:center;
}
.calculator-v87 .percent-field>span{
  width:42px;
  flex:0 0 42px;
  padding:0;
  text-align:center;
}
.calculator-v87 .suffix-field>span{
  min-width:74px;
  flex:0 0 74px;
  padding:0 12px 0 0;
  text-align:right;
}
.calculator-v87 .field small{
  display:block;
  line-height:1.4;
  margin-top:1px;
}
.calculator-v87 .calc-results-panel .calc-grid>.field>label{min-height:42px}
.calculator-v87 .calc-topline>p strong{color:var(--ink)}
html[data-theme="dark"] .calculator-v87 .calc-topline>p strong{color:#edf7fb}
@media(max-width:900px){
  .calculator-v87 .calc-grid>.field>label,
  .calculator-v87 .calc-results-panel .calc-grid>.field>label{min-height:0;display:block}
}