@import url("https://fonts.googleapis.com/css2?family=Lato:ital,wght@0,400;0,700;0,900;1,400&family=Lora:ital,wght@1,400&display=swap");:root{--navy:#020b2c;--offwhite:#eeeeef;--gold:#dcb92f;--blue:#3c7dd8;--navy-hover:#1b2d5c;--page-bg:var(--bg-subtle);--near-white:#fafafa;--gold-wash:rgba(220,185,47,0.1);--navy-75:color-mix(in srgb,var(--navy) 75%,#fff);--navy-50:color-mix(in srgb,var(--navy) 50%,#fff);--navy-25:color-mix(in srgb,var(--navy) 25%,#fff);--gold-75:color-mix(in srgb,var(--gold) 75%,#fff);--gold-50:color-mix(in srgb,var(--gold) 50%,#fff);--gold-25:color-mix(in srgb,var(--gold) 25%,#fff);--blue-75:color-mix(in srgb,var(--blue) 75%,#fff);--blue-50:color-mix(in srgb,var(--blue) 50%,#fff);--blue-25:color-mix(in srgb,var(--blue) 25%,#fff);--gold-soft:#f8efd3;--gold-text:#8a6d0e;--gold-hover:#c7a628;--green:#1f7a4d;--green-soft:#e9f6ef;--red:#d9534f;--red-soft:#fbeaea;--bg:#ffffff;--bg-subtle:#f4f5f7;--surface:#ffffff;--surface-navy:var(--navy);--border:#dcdde2;--text:var(--navy);--text-muted:#5c6270;--text-placeholder:#9aa1ae;--text-on-dark:#ffffff;--text-on-dark-muted:rgba(255,255,255,0.75);--font-sans:"Lato",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;--font-serif:"Lora",Georgia,"Times New Roman",serif;--font-legal:var(--font-sans);--weight-regular:400;--weight-semibold:700;--weight-extrabold:900;--text-xs:0.75rem;--text-sm:0.875rem;--text-base:1rem;--text-lg:1.125rem;--text-xl:1.375rem;--text-2xl:clamp(1.5rem,1.2rem + 1.4vw,2rem);--text-4xl:clamp(2.5rem,1.8rem + 3.4vw,3.75rem);--leading-tight:1.15;--leading-snug:1.35;--leading-normal:1.6;--space-1:0.25rem;--space-2:0.5rem;--space-3:0.75rem;--space-4:1rem;--space-5:1.5rem;--space-6:2rem;--space-7:3rem;--space-8:4rem;--radius-sm:6px;--radius-md:10px;--radius-lg:12px;--radius-xl:20px;--radius-pill:999px;--shadow-sm:0 1px 4px rgba(2,11,44,0.08);--shadow-md:0 8px 24px rgba(2,11,44,0.12);--shadow-lg:0 24px 64px rgba(2,11,44,0.3);--container-narrow:720px;--transition:0.2s ease}*,:after,:before{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{background:var(--bg);color:var(--text);font-family:var(--font-sans);font-weight:var(--weight-regular);font-size:var(--text-base);line-height:var(--leading-normal);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}img,svg,video{max-width:100%;height:auto;display:block}h1,h2,h3,h4,h5,h6{font-family:var(--font-sans);color:var(--navy);margin:0 0 var(--space-4);line-height:var(--leading-tight)}.headline,h1{font-size:var(--text-3xl);letter-spacing:-.01em}.headline,h1,h2{font-weight:var(--weight-semibold)}h2{font-size:var(--text-2xl)}h3{font-size:var(--text-xl)}h3,h4{font-weight:var(--weight-semibold)}h4{font-size:var(--text-lg)}.display{font-size:var(--text-4xl);font-weight:var(--weight-semibold);line-height:var(--leading-tight);letter-spacing:-.015em;color:var(--navy);margin:0 0 var(--space-5)}.eyebrow{display:block;font-family:var(--font-sans);font-weight:var(--weight-extrabold);font-size:var(--text-xs);letter-spacing:.15em;text-transform:uppercase;color:var(--text-muted);margin:0 0 var(--space-3)}.headline-serif,.pull-quote{font-family:var(--font-serif);font-style:italic;font-weight:var(--weight-regular);font-size:var(--text-2xl);line-height:var(--leading-snug);color:var(--navy);margin:0 0 var(--space-4)}p{margin:0 0 var(--space-4)}.lead{font-size:var(--text-lg);line-height:var(--leading-normal);color:var(--text-muted)}.text-sm,small{font-size:var(--text-sm)}.text-muted{color:var(--text-muted)}.serif-italic{font-family:var(--font-serif);font-style:italic}.fine-print{font-family:var(--font-legal);font-size:var(--text-xs);line-height:1.2;color:var(--text-muted)}.section-navy .fine-print{color:rgba(255,255,255,.5)}a{color:var(--blue);text-decoration:underline;text-underline-offset:2px;transition:color var(--transition)}a:hover{color:var(--navy)}b,strong{font-weight:var(--weight-semibold)}hr{border:none;border-top:1px solid var(--border);margin:var(--space-6) 0}.rule-gold{border:none;border-top:2px solid var(--gold);margin:var(--space-5) 0}.container{width:100%;max-width:var(--container-max);margin-inline:auto;padding-inline:var(--space-5)}.container-narrow{max-width:var(--container-narrow)}.section{padding-block:var(--space-8)}.section-navy{background:var(--surface-navy);color:var(--text-on-dark)}.section-navy :is(h1,h2,h3,h4,h5,h6,.display,.headline-serif){color:var(--text-on-dark)}.section-navy .lead,.section-navy p{color:var(--text-on-dark-muted)}.section-navy a{color:var(--gold)}.stack>*+*{margin-top:var(--space-4)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--space-2);font-family:var(--font-sans);font-weight:var(--weight-semibold);font-size:var(--text-base);line-height:1;padding:.9375rem 2rem;border:1.5px solid transparent;border-radius:var(--radius-pill);cursor:pointer;text-decoration:none;white-space:nowrap;transition:opacity var(--transition),background var(--transition),border-color var(--transition),color var(--transition)}.btn-primary{background:var(--gold);color:var(--navy);border-color:var(--gold)}.btn-primary:hover{background:var(--gold-hover);border-color:var(--gold-hover)}.btn-secondary{background:var(--navy);color:var(--near-white);border-color:var(--navy)}.btn-secondary:hover{background:var(--navy-hover);border-color:var(--navy-hover)}.btn-outline{background:transparent;color:var(--navy);border-color:var(--border)}.btn-outline:hover{border-color:var(--blue)}.btn-ghost{background:transparent;color:var(--blue);border-color:transparent;padding-inline:var(--space-2)}.btn-ghost:hover{color:var(--navy)}.btn-sm{padding:.6875rem 1.5rem;font-size:var(--text-sm)}.btn-lg{padding:1.0625rem 2.5rem;font-size:var(--text-lg)}.btn-block{width:100%}.btn:disabled,.btn[aria-disabled=true]{opacity:.6;cursor:not-allowed}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:var(--space-5)}.card-hover{transition:border-color var(--transition),box-shadow var(--transition)}.card-hover:hover{border-color:var(--blue);box-shadow:var(--shadow-sm)}.card-success{background:var(--green-soft);border:none;border-radius:var(--radius-lg);padding:var(--space-5)}.card-title{font-size:var(--text-xl);font-weight:var(--weight-semibold);color:var(--navy);margin:0 0 var(--space-2)}.field{margin-bottom:var(--space-4)}.field-label{display:block;font-size:var(--text-xs);font-weight:var(--weight-semibold);letter-spacing:.03em;text-transform:uppercase;color:var(--text-muted);margin-bottom:var(--space-2)}.input,.select,.textarea{width:100%;font-family:var(--font-sans);font-size:var(--text-base);color:var(--navy);background:var(--surface);border:1.5px solid var(--border);border-radius:var(--radius-md);padding:.8125rem .875rem;transition:border-color var(--transition)}.textarea{min-height:7rem;resize:vertical}.input::placeholder,.textarea::placeholder{color:var(--text-placeholder)}.input:focus,.select:focus,.textarea:focus{outline:none;border-color:var(--blue)}.input.is-error,.input[aria-invalid=true],.select.is-error,.select[aria-invalid=true],.textarea.is-error,.textarea[aria-invalid=true]{border-color:var(--red)}.field-error{display:block;margin-top:var(--space-2);font-size:var(--text-sm);color:var(--red)}.input:disabled,.input[aria-disabled=true],.select:disabled,.select[aria-disabled=true],.textarea:disabled,.textarea[aria-disabled=true]{background:var(--offwhite);color:var(--text-placeholder);cursor:not-allowed}.select{-moz-appearance:none;appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24' fill='none' stroke='%235C6270' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:16px;padding-right:2.375rem}.consent{display:flex;align-items:flex-start;gap:var(--space-3)}.consent input[type=checkbox]{flex:none;width:18px;height:18px;margin-top:2px;accent-color:var(--navy)}.consent label{font-size:var(--text-sm);color:var(--text-muted);line-height:var(--leading-snug)}.toggle{display:inline-flex;align-items:center;gap:var(--space-3);cursor:pointer}.toggle-slider{border-radius:var(--radius-pill);transition:background var(--transition)}.toggle-slider:before{background:#fff;box-shadow:var(--shadow-sm);transition:transform var(--transition)}.badge{display:inline-flex;align-items:center;gap:var(--space-1);font-size:var(--text-xs);font-weight:var(--weight-semibold);padding:.25rem .625rem;border-radius:var(--radius-pill);background:var(--offwhite);color:var(--navy)}.badge-gold{background:var(--gold-soft);color:var(--gold-text)}.badge-success{background:var(--green-soft);color:var(--green)}.badge-navy{background:var(--navy);color:var(--text-on-dark)}.text-center{text-align:center}.text-navy{color:var(--navy)}.text-gold{color:var(--gold-text)}.text-blue{color:var(--blue)}.bg-navy,.text-white{color:var(--text-on-dark)}.bg-navy{background:var(--navy)}.bg-offwhite{background:var(--offwhite)}.bg-subtle{background:var(--bg-subtle)}.title-case{text-transform:capitalize}.tracking-display{letter-spacing:-.04em}.tracking-mid{letter-spacing:-.02em}.icon,.icon-gold svg{fill:none;stroke:var(--gold);stroke-linecap:round;stroke-linejoin:round}.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}:where(a,button,input,select,textarea,[tabindex]):focus-visible{outline:2px solid var(--blue);outline-offset:2px}@media (prefers-reduced-motion:reduce){*,:after,:before{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important}}:root{--navy:#020B2C;--gold:#DCB92F;--gold-hover:#C7A628;--blue:#3C7DD8;--offwhite:#EEEEEF;--bg-subtle:#F4F5F7;--surface:#FFFFFF;--border:#DCDDE2;--text-muted:#5C6270;--text-placeholder:#9AA1AE;--text-on-dark:#FFFFFF;--green:#1F7A4D;--green-soft:#E9F6EF;--space-5:24px;--space-6:32px;--space-7:48px;--text-base:16px;--text-lg:18px;--text-3xl:clamp(2rem,1.5rem + 2.4vw,2.75rem);--container-max:1200px}*{box-sizing:border-box}body{margin:0;background:var(--bg-subtle);font-family:Lato,sans-serif;color:var(--navy)}.phone-frame{max-width:440px;margin:0 auto;background:var(--surface);position:relative}.next-steps-grid{display:block}.page-body{padding:20px 20px 8px}h1{font-family:Lato,sans-serif;font-weight:700;font-size:var(--text-3xl);color:var(--navy);margin:4px 0 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.amt{font-size:30px;font-weight:400;color:var(--navy);line-height:1}.hero-label-row{display:flex;justify-content:space-between;font-size:13px;color:var(--text-muted);font-weight:700;margin-bottom:22px}.hero-label-row .info-inline{display:inline-flex;align-items:center;gap:4px}.info-icon{position:relative;display:inline-flex;align-items:center;justify-content:center;width:15px;height:15px;border-radius:50%;border:1.5px solid var(--text-muted);color:var(--text-muted);font-size:10px;font-weight:700;cursor:help}.info-icon .tooltip{display:none;position:fixed;z-index:300;top:50%;left:50%;transform:translate(-50%,-50%);width:calc(100vw - 64px);max-width:320px;max-height:70vh;overflow-y:auto;background:var(--surface);border:1px solid var(--border);border-radius:10px;box-shadow:0 24px 64px rgba(2,11,44,.3);padding:16px 18px;text-align:left;white-space:normal;cursor:default}.info-icon.tooltip-open .tooltip{display:block}.tooltip-close{display:none}.tooltip-title{font-size:13px;font-weight:700;color:var(--navy);margin:0 0 6px}.tooltip-body{font-size:12.5px;line-height:1.55;color:var(--text-muted);margin:0}.tooltip-row{gap:10px;padding:3px 0}.tooltip-row,.tooltip-total{display:flex;justify-content:space-between;font-size:12.5px;color:var(--navy)}.tooltip-total{font-weight:700;margin-top:8px;padding:8px 10px;background:var(--offwhite);border-radius:6px}.section-card{border:1px solid var(--border);border-radius:12px;padding:18px 18px 16px;margin-bottom:14px}.rate-and-costs-row{display:block}.disclosure-card{border:none;background:transparent;padding:0;margin:0}.section-title{display:flex;align-items:center;gap:6px;font-size:14px;font-weight:700;color:var(--navy);margin:0 0 6px}.section-copy{font-size:14px;color:var(--text-muted);line-height:1.5;margin:0 0 16px}.slider-value-row{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px}.slider-value-row .cost{font-size:24px;font-weight:700;color:var(--navy)}.slider-value-row .pts{font-size:13px;font-weight:700;color:var(--text-muted)}input[type=range]{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:100%;height:5px;border-radius:999px;background:var(--border);outline:none;margin:4px 0 2px}input[type=range]::-webkit-slider-runnable-track{height:5px;border-radius:999px;background:linear-gradient(to right,var(--navy) 0,var(--navy) var(--fill,0),var(--border) var(--fill,0),var(--border) 100%)}input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:var(--navy);border:3px solid var(--surface);box-shadow:0 1px 4px 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ease}.closing-costs-toggle.open .chevron{transform:translateY(-50%) rotate(90deg)}.closing-costs-detail{display:none;margin-top:12px;padding-top:12px;border-top:1px solid var(--border)}.closing-costs-detail.open{display:block}.refi-savings-note{font-size:13px;color:var(--text-muted);line-height:1.5;margin:10px 0 0}.refi-savings-note button{display:inline;background:transparent;border:none;padding:0;margin:0;font:inherit;color:var(--blue);font-weight:700;text-decoration:underline;cursor:pointer}.cc-row{display:flex;align-items:center;justify-content:space-between;padding:9px 22px 9px 0;font-size:14px}.cc-row .cc-label{display:inline-flex;align-items:center;gap:5px}.cc-row .cc-label,.cc-row .cc-value{color:var(--navy);font-weight:400}.cc-row.financed-charge{padding-top:14px;border-top:1px dashed var(--border);margin-top:5px}.cc-row.financed-offset .cc-label,.cc-row.financed-offset .cc-value{color:var(--text-muted);font-style:italic;font-size:14px}.cc-row.exempt-row{padding-top:14px;border-top:1px dashed var(--border);margin-top:5px}.exempt-tag{display:inline-flex;align-items:center;gap:4px;background:var(--green-soft);font-size:12.5px;padding:2px 9px;border-radius:999px}.exempt-tag,.exempt-value{color:var(--green);font-weight:700}.mini-spinner{display:inline-block;border:2.5px solid var(--border);border-top-color:var(--blue);border-radius:50%;animation:mini-spin .7s linear infinite;vertical-align:middle}@keyframes mini-spin{to{transform:rotate(1turn)}}.savings-box{background:var(--green-soft);border-radius:12px;padding:18px;margin-bottom:14px}.value-prop{margin-bottom:24px}.savings-box .savings-content{display:none}.savings-box .savings-content.show{display:block}.savings-box h3{font-weight:700;margin:0 0 4px}.savings-box h3,.savings-box p{font-size:15px;color:var(--navy)}.savings-box p{line-height:1.55;margin:0 0 14px}.value-prop p:last-child,.value-prop:last-child{margin-bottom:0}.savings-box b{font-weight:900}.contact-modal-overlay{display:none;position:fixed;inset:0;background:rgba(2,11,44,.5);z-index:230;align-items:flex-end;justify-content:center}.contact-modal-overlay.open{display:flex}.contact-modal{background:var(--surface);width:100%;max-width:440px;max-height:92vh;overflow-y:auto;border-radius:20px 20px 0 0;padding:24px 22px calc(22px + env(safe-area-inset-bottom))}.contact-modal-header{display:flex;align-items:flex-start;justify-content:space-between;gap:12px;margin-bottom:10px}.contact-modal-header h3{font-size:22px;font-weight:700;color:var(--navy);margin:0}.contact-modal-header button{flex:none;border:none;background:transparent;color:var(--navy);font-size:22px;line-height:1;padding:4px;cursor:pointer;margin-top:-4px}.contact-modal-subtext{font-size:14px;color:var(--text-muted);line-height:1.5;margin:0 0 20px}.contact-field{margin-bottom:14px}.contact-field input{width:100%;font-family:Lato,sans-serif;font-size:16px;font-weight:400;color:var(--navy);border:1.5px solid var(--border);border-radius:10px;padding:13px 14px;background:var(--surface)}.contact-field input::placeholder{color:var(--text-placeholder);font-weight:400}.contact-field input:focus{outline:none;border-color:var(--blue)}.contact-consent{display:flex;align-items:flex-start;gap:10px;margin:6px 0 18px}.contact-consent input{flex:none;width:18px;height:18px;margin-top:2px;accent-color:var(--navy)}.contact-consent label{font-size:12.5px;color:var(--text-muted);line-height:1.5}.contact-consent a{color:var(--blue);text-decoration:underline}.contact-submit{width:100%;background:var(--gold);color:var(--navy);border:none;padding:15px;border-radius:999px;font-family:Lato,sans-serif;font-weight:700;font-size:16px;cursor:pointer}.contact-submit:hover{background:var(--gold-hover)}.next-steps{margin-top:8px}.next-steps h2{font-size:18px;font-weight:700;color:var(--navy);margin:0 0 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