@layer properties{@supports (((-webkit-hyphens:none)) and (not (margin-trim:inline))) or ((-moz-orient:inline) and (not (color:rgb(from red r g b)))){*,:before,:after,::backdrop{--tw-rotate-x:initial;--tw-rotate-y:initial;--tw-rotate-z:initial;--tw-skew-x:initial;--tw-skew-y:initial;--tw-border-style:solid;--tw-font-weight:initial;--tw-blur:initial;--tw-brightness:initial;--tw-contrast:initial;--tw-grayscale:initial;--tw-hue-rotate:initial;--tw-invert:initial;--tw-opacity:initial;--tw-saturate:initial;--tw-sepia:initial;--tw-drop-shadow:initial;--tw-drop-shadow-color:initial;--tw-drop-shadow-alpha:100%;--tw-drop-shadow-size:initial}}}@layer theme{:root,:host{--font-sans:ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji";--font-mono:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;--color-blue-600:oklch(54.6% .245 262.881);--color-gray-600:oklch(44.6% .03 256.802);--spacing:.25rem;--font-weight-bold:700;--default-transition-duration:.15s;--default-transition-timing-function:cubic-bezier(.4, 0, .2, 1);--default-font-family:var(--font-sans);--default-mono-font-family:var(--font-mono)}}@layer base{*,:after,:before,::backdrop{box-sizing:border-box;border:0 solid;margin:0;padding:0}::file-selector-button{box-sizing:border-box;border:0 solid;margin:0;padding:0}html,:host{-webkit-text-size-adjust:100%;tab-size:4;line-height:1.5;font-family:var(--default-font-family,ui-sans-serif, system-ui, sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji");font-feature-settings:var(--default-font-feature-settings,normal);font-variation-settings:var(--default-font-variation-settings,normal);-webkit-tap-highlight-color:transparent}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;-webkit-text-decoration:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:var(--default-mono-font-family,ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace);font-feature-settings:var(--default-mono-font-feature-settings,normal);font-variation-settings:var(--default-mono-font-variation-settings,normal);font-size:1em}small{font-size:80%}sub,sup{vertical-align:baseline;font-size:75%;line-height:0;position:relative}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}:-moz-focusring{outline:auto}progress{vertical-align:baseline}summary{display:list-item}ol,ul,menu{list-style:none}img,svg,video,canvas,audio,iframe,embed,object{vertical-align:middle;display:block}img,video{max-width:100%;height:auto}button,input,select,optgroup,textarea{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}::file-selector-button{font:inherit;font-feature-settings:inherit;font-variation-settings:inherit;letter-spacing:inherit;color:inherit;opacity:1;background-color:#0000;border-radius:0}:where(select:is([multiple],[size])) optgroup{font-weight:bolder}:where(select:is([multiple],[size])) optgroup option{padding-inline-start:20px}::file-selector-button{margin-inline-end:4px}::placeholder{opacity:1}@supports (not ((-webkit-appearance:-apple-pay-button))) or (contain-intrinsic-size:1px){::placeholder{color:currentColor}@supports (color:color-mix(in lab,red,red)){::placeholder{color:color-mix(in oklab,currentcolor 50%,transparent)}}}textarea{resize:vertical}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-date-and-time-value{min-height:1lh;text-align:inherit}::-webkit-datetime-edit{display:inline-flex}::-webkit-datetime-edit-fields-wrapper{padding:0}::-webkit-datetime-edit{padding-block:0}::-webkit-datetime-edit-year-field{padding-block:0}::-webkit-datetime-edit-month-field{padding-block:0}::-webkit-datetime-edit-day-field{padding-block:0}::-webkit-datetime-edit-hour-field{padding-block:0}::-webkit-datetime-edit-minute-field{padding-block:0}::-webkit-datetime-edit-second-field{padding-block:0}::-webkit-datetime-edit-millisecond-field{padding-block:0}::-webkit-datetime-edit-meridiem-field{padding-block:0}::-webkit-calendar-picker-indicator{line-height:1}:-moz-ui-invalid{box-shadow:none}button,input:where([type=button],[type=reset],[type=submit]){appearance:button}::file-selector-button{appearance:button}::-webkit-inner-spin-button{height:auto}::-webkit-outer-spin-button{height:auto}[hidden]:where(:not([hidden=until-found])){display:none!important}}@layer components;@layer utilities{.visible{visibility:visible}.absolute{position:absolute}.fixed{position:fixed}.relative{position:relative}.static{position:static}.start{inset-inline-start:var(--spacing)}.end{inset-inline-end:var(--spacing)}.block{display:block}.contents{display:contents}.flex{display:flex}.hidden{display:none}.inline-block{display:inline-block}.table{display:table}.shrink{flex-shrink:1}.grow{flex-grow:1}.transform{transform:var(--tw-rotate-x,) var(--tw-rotate-y,) var(--tw-rotate-z,) var(--tw-skew-x,) var(--tw-skew-y,)}.resize{resize:both}.border{border-style:var(--tw-border-style);border-width:1px}.font-bold{--tw-font-weight:var(--font-weight-bold);font-weight:var(--font-weight-bold)}.text-blue-600{color:var(--color-blue-600)}.text-gray-600{color:var(--color-gray-600)}.line-through{text-decoration-line:line-through}.blur{--tw-blur:blur(8px);filter:var(--tw-blur,) var(--tw-brightness,) var(--tw-contrast,) var(--tw-grayscale,) var(--tw-hue-rotate,) var(--tw-invert,) var(--tw-saturate,) var(--tw-sepia,) var(--tw-drop-shadow,)}.filter{filter:var(--tw-blur,) var(--tw-brightness,) var(--tw-contrast,) var(--tw-grayscale,) var(--tw-hue-rotate,) var(--tw-invert,) var(--tw-saturate,) var(--tw-sepia,) var(--tw-drop-shadow,)}.transition{transition-property:color,background-color,border-color,outline-color,text-decoration-color,fill,stroke,--tw-gradient-from,--tw-gradient-via,--tw-gradient-to,opacity,box-shadow,transform,translate,scale,rotate,filter,-webkit-backdrop-filter,backdrop-filter,display,content-visibility,overlay,pointer-events;transition-timing-function:var(--tw-ease,var(--default-transition-timing-function));transition-duration:var(--tw-duration,var(--default-transition-duration))}}:root{--font-sans:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;--font-display:"Manrope", Inter, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;--navy:#0b1b2b;--navy-light:#16314a;--green:#1e8e5a;--green-dark:#14704a;--gold:#c9a227;--gold-light:#ddb63b;--slate:#6b7280;--bg:#f6f8fa;--white:#fff;--border:#e5e9ef;--text:#0f1b26;--text-light:#5b6776;--ink-900:#0b1b2b;--ink-700:#1f2d3d}*{box-sizing:border-box}body{font-family:var(--font-sans);-webkit-font-smoothing:antialiased;background:var(--bg);color:var(--text);margin:0;line-height:1.6}button,input,select,textarea{font-family:var(--font-sans)}a{color:var(--navy);text-decoration:none}a:hover{color:var(--gold)}h1,h2,h3,h4{line-height:1.18;font-family:var(--font-display);letter-spacing:-.02em;color:var(--navy);font-weight:700}.site-nav{background:var(--navy);color:#fff;z-index:100;position:sticky;top:0;box-shadow:0 2px 8px #0003}.nav-inner{justify-content:space-between;align-items:center;max-width:1100px;height:60px;margin:0 auto;padding:0 1rem;display:flex}.nav-logo{color:#fff;white-space:nowrap;align-items:center;gap:.5rem;font-size:1.1rem;font-weight:700;text-decoration:none;display:flex}.nav-logo span{color:var(--gold-light)}.nav-toggle{color:#fff;cursor:pointer;background:0 0;border:none;padding:.25rem;font-size:1.5rem;display:none}.nav-links{flex-wrap:wrap;gap:.25rem;display:flex}.nav-links a{color:#ffffffd9;white-space:nowrap;border-radius:4px;padding:.35rem .6rem;font-size:.82rem;text-decoration:none;transition:background .15s,color .15s}.nav-links a:hover{color:#fff;background:#ffffff1f}.nav-links a.active{color:var(--gold-light)}.nav-dropdown{position:relative}.nav-dropdown-toggle{color:#ffffffd9;cursor:pointer;white-space:nowrap;background:0 0;border:none;border-radius:4px;align-items:center;gap:.3rem;padding:.35rem .6rem;font-size:.82rem;display:flex}.nav-dropdown-toggle:hover{color:#fff;background:#ffffff1f}.nav-dropdown-menu{background:#fff;border-radius:6px;min-width:200px;display:none;position:absolute;top:calc(100% + 4px);left:0;overflow:hidden;box-shadow:0 8px 24px #00000026}.nav-dropdown:hover .nav-dropdown-menu,.nav-dropdown:focus-within .nav-dropdown-menu{display:block}.nav-dropdown-menu a{color:var(--text);padding:.6rem 1rem;font-size:.85rem;text-decoration:none;transition:background .1s;display:block}.nav-dropdown-menu a:hover{background:var(--bg);color:var(--navy)}@media(max-width:900px){.nav-toggle{display:block}.nav-links{background:var(--navy-light);flex-direction:column;gap:.1rem;padding:.5rem;display:none;position:absolute;top:60px;left:0;right:0}.nav-links.open{display:flex}.nav-links a,.nav-dropdown-toggle{text-align:left;width:100%;padding:.6rem 1rem;display:block}.nav-dropdown-menu{box-shadow:none;background:#ffffff14;border-radius:4px;position:static}.nav-dropdown-menu a{color:#ffffffd9;padding:.5rem 1.5rem}.nav-dropdown-menu a:hover{color:#fff;background:#ffffff1a}.nav-dropdown:hover .nav-dropdown-menu,.nav-dropdown.open .nav-dropdown-menu{display:block}}.page-wrapper{max-width:860px;margin:0 auto;padding:2rem 1rem 3rem}.page-wrapper.wide{max-width:1100px}.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);color:#fff;text-align:center;padding:3rem 1rem}.hero h1{color:#fff;margin:0 0 .75rem;font-size:clamp(1.8rem,4vw,2.8rem)}.hero p{color:#ffffffd9;max-width:600px;margin:0 auto 1.5rem;font-size:1.1rem}.hero-cta{background:var(--green);color:#fff;border-radius:6px;align-items:center;gap:.5rem;min-height:44px;padding:.85rem 1.9rem;font-size:1rem;font-weight:600;text-decoration:none;transition:background .15s;display:inline-flex;box-shadow:0 2px 8px #2e7d3240}.hero-cta:hover{background:var(--green-dark);color:#fff}.cards-grid{grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1.25rem;margin:2rem 0;display:grid}.card{border:1px solid var(--border);color:inherit;background:#fff;border-radius:10px;padding:1.5rem;text-decoration:none;transition:box-shadow .2s,transform .2s;display:block}.card:hover{color:inherit;transform:translateY(-2px);box-shadow:0 4px 20px #0000001a}.card-icon{margin-bottom:.75rem;font-size:2rem}.card h3{color:var(--navy);margin:0 0 .5rem;font-size:1rem}.card p{color:var(--text-light);margin:0;font-size:.875rem;line-height:1.5}.calc-container{background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 2px 16px #00000014}.calc-header{background:var(--navy);color:#fff;padding:1.5rem 2rem}.calc-header h2{color:#fff;margin:0 0 .25rem;font-size:1.4rem}.calc-header p{color:#ffffffbf;margin:0;font-size:.9rem}.calc-body{padding:2rem}.form-grid{grid-template-columns:1fr 1fr;gap:1.25rem;display:grid}@media(max-width:600px){.form-grid{grid-template-columns:1fr}.calc-body{padding:1.25rem}}.form-group{flex-direction:column;gap:.4rem;display:flex}.form-group label{color:var(--navy);font-size:.85rem;font-weight:600}.form-group .hint{color:var(--text-light);margin-top:-.2rem;font-size:.78rem}.form-group input{border:1.5px solid var(--border);color:var(--text);border-radius:6px;width:100%;padding:.65rem .9rem;font-size:1rem;transition:border-color .15s}.form-group input:focus{border-color:var(--navy);outline:none}.form-group select{border:1.5px solid var(--border);color:var(--text);background:#fff;border-radius:6px;width:100%;padding:.65rem .9rem;font-size:1rem;transition:border-color .15s}.form-group select:focus{border-color:var(--navy);outline:none}.rate-input{border:1.5px solid var(--border);width:90px;color:var(--text);border-radius:6px;padding:.4rem .5rem;font-size:.95rem}.rate-input:focus{border-color:var(--navy);outline:none}.amort-scroll{border:1px solid var(--border);border-radius:8px;max-height:440px;margin:.75rem 0 0;overflow:auto}.amort-table{border-collapse:collapse;width:100%;font-size:.85rem}.amort-table th{background:var(--navy);color:#fff;text-align:right;white-space:nowrap;padding:.6rem .9rem;position:sticky;top:0}.amort-table th:first-child{text-align:left}.amort-table td{border-bottom:1px solid var(--border);text-align:right;white-space:nowrap;padding:.5rem .9rem}.amort-table td:first-child{text-align:left;color:var(--navy);font-weight:600}.amort-table tr:nth-child(2n) td{background:var(--bg)}.calc-btn{background:var(--green);color:#fff;cursor:pointer;border:none;border-radius:6px;width:100%;min-height:44px;margin-top:1.5rem;padding:.95rem;font-size:1.05rem;font-weight:600;transition:background .15s;box-shadow:0 2px 8px #2e7d3240}.calc-btn:hover{background:var(--green-dark)}.calc-results{border-top:1px solid var(--border);margin-top:2rem;padding-top:1.5rem}.calc-results h3{color:var(--navy);margin:0 0 1rem;font-size:1.1rem}.result-row{border-bottom:1px solid var(--border);justify-content:space-between;align-items:center;padding:.65rem 0;font-size:.95rem;display:flex}.result-row:last-child{border-bottom:none}.result-label{color:var(--text-light)}.result-value{color:var(--text);font-weight:600}.result-total{background:var(--navy);color:#fff;border-radius:8px;justify-content:space-between;align-items:center;margin-top:1rem;padding:1rem 1.25rem;display:flex}.result-total .result-label{color:#fffc;font-weight:600}.result-total .result-value{color:var(--gold-light);font-size:1.4rem}.section{margin-bottom:2.5rem}.section h2{border-bottom:2px solid var(--gold);margin:0 0 1rem;padding-bottom:.5rem;font-size:1.4rem;display:inline-block}.section h3{color:var(--navy);margin:1.25rem 0 .5rem;font-size:1.1rem}.section p,.section li{color:var(--text);font-size:.95rem;line-height:1.7}.section ul,.section ol{padding-left:1.4rem}.section li{margin-bottom:.4rem}.info-box{border-left:4px solid var(--navy);background:#eff6ff;border-radius:0 8px 8px 0;margin:1rem 0;padding:1rem 1.25rem}.info-box p{margin:0;font-size:.9rem}.warning-box{border-left:4px solid var(--gold);background:#fffbeb;border-radius:0 8px 8px 0;margin:1rem 0;padding:1rem 1.25rem}.warning-box p{margin:0;font-size:.9rem}.compare-table{border-collapse:collapse;width:100%;margin:1rem 0;font-size:.9rem;display:block;overflow-x:auto}.compare-table th{background:var(--navy);color:#fff;text-align:left;white-space:nowrap;padding:.75rem 1rem}.compare-table td{border-bottom:1px solid var(--border);vertical-align:top;padding:.65rem 1rem}.compare-table tr:nth-child(2n) td{background:var(--bg)}.checklist{margin:0;padding:0;list-style:none}.checklist li{border-bottom:1px solid var(--border);align-items:flex-start;gap:.75rem;padding:.6rem 0;font-size:.95rem;display:flex}.checklist li:last-child{border-bottom:none}.check-box{border:2px solid var(--border);cursor:pointer;appearance:none;background:#fff;border-radius:4px;flex-shrink:0;width:20px;height:20px;margin-top:2px}.check-box:checked{background:var(--navy);border-color:var(--navy);background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 14 14' fill='white' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M2 7l4 4 6-6' stroke='white' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-position:50%;background-repeat:no-repeat}.disclaimer-banner{color:#92400e;background:#fef3c7;border:1px solid #fde68a;border-radius:8px;margin:1.5rem 0;padding:1rem 1.25rem;font-size:.825rem;line-height:1.6}.page-header{margin-bottom:2rem}.page-header h1{color:var(--navy);margin:0 0 .5rem;font-size:clamp(1.5rem,3vw,2rem)}.page-header p{color:var(--text-light);margin:0;font-size:1rem}.badge{border-radius:999px;padding:.2rem .6rem;font-size:.75rem;font-weight:600;display:inline-block}.badge-navy{color:var(--navy);background:#e0e7ff}.badge-gold{color:#92400e;background:#fef3c7}.badge-green{color:#065f46;background:#d1fae5}.pros-cons{grid-template-columns:1fr 1fr;gap:1rem;margin:1rem 0;display:grid}@media(max-width:600px){.pros-cons{grid-template-columns:1fr}}.pros,.cons{border:1px solid var(--border);background:#fff;border-radius:8px;padding:1rem}.pros h4{color:#065f46;margin:0 0 .5rem;font-size:.9rem}.cons h4{color:#991b1b;margin:0 0 .5rem;font-size:.9rem}.pros ul,.cons ul{margin:0;padding-left:1.2rem}.pros li,.cons li{margin-bottom:.3rem;font-size:.875rem}.site-footer{background:var(--navy);color:#ffffffb3;margin-top:4rem;padding:2.5rem 1rem}.footer-inner{grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem;max-width:1100px;margin:0 auto;display:grid}@media(max-width:900px){.footer-inner{grid-template-columns:1fr 1fr;gap:1.5rem}}@media(max-width:560px){.footer-inner{grid-template-columns:1fr;gap:1.5rem}}.footer-brand h3{color:#fff;margin:0 0 .5rem;font-size:1rem}.footer-brand p{margin:0;font-size:.8rem;line-height:1.6}.footer-links h4{color:#ffffffe6;margin:0 0 .75rem;font-size:.85rem}.footer-links ul{margin:0;padding:0;list-style:none}.footer-links li{margin-bottom:.35rem}.footer-links a{color:#ffffffa6;font-size:.82rem;text-decoration:none}.footer-links a:hover{color:var(--gold-light)}.footer-bottom{color:#ffffff73;text-align:center;border-top:1px solid #ffffff1a;max-width:1100px;margin:1.5rem auto 0;padding-top:1.25rem;font-size:.78rem;line-height:1.7}.contact-form{flex-direction:column;gap:1rem;max-width:540px;margin-top:1.25rem;display:flex}.contact-form label{color:var(--navy);flex-direction:column;gap:.4rem;font-size:.95rem;font-weight:600;display:flex}.contact-form input,.contact-form textarea{font:inherit;border:1px solid var(--border);color:var(--text);background:#fff;border-radius:6px;padding:.65rem .75rem}.contact-form input:focus,.contact-form textarea:focus{border-color:var(--gold);outline:none;box-shadow:0 0 0 2px #c5a05940}.contact-form button[type=submit]{cursor:pointer;border:none;align-self:flex-start}.contact-form button[type=submit]:disabled{opacity:.6;cursor:default}.hero-cta-row{flex-wrap:wrap;justify-content:center;gap:.75rem;display:flex}.hero-cta-secondary{background:0 0;border:2px solid #ffffffb3}.hero-cta-secondary:hover{background:#ffffff1f;border-color:#fff}.lead-form-card{border:1px solid var(--border);border-top:4px solid var(--gold);background:#fff;border-radius:12px;margin:2rem 0;padding:1.75rem;box-shadow:0 2px 16px #0000000f}.lead-form-title{color:var(--navy);margin:0 0 .35rem;font-size:1.3rem}.lead-form-sub{color:var(--text-light);margin:0 0 1.25rem;font-size:.92rem}.lead-form-grid{grid-template-columns:1fr 1fr;gap:1rem;display:grid}@media(max-width:560px){.lead-form-grid{grid-template-columns:1fr}}.lead-form label{color:var(--navy);flex-direction:column;gap:.35rem;font-size:.85rem;font-weight:600;display:flex}.lead-form input,.lead-form select{font:inherit;border:1.5px solid var(--border);color:var(--text);background:#fff;border-radius:6px;width:100%;padding:.6rem .75rem;font-weight:400}.lead-form input:focus,.lead-form select:focus{border-color:var(--gold);outline:none;box-shadow:0 0 0 2px #c8922a33}.lead-form-btn{background:var(--green);max-width:320px;margin-top:1.1rem}.lead-form-btn:hover{background:var(--green-dark)}.lead-form-disclaimer{color:var(--text-light);margin:1rem 0 0;font-size:.78rem;line-height:1.6}.pricing-grid{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.25rem;margin:1.5rem 0;display:grid}.pricing-card{border:1px solid var(--border);background:#fff;border-radius:12px;flex-direction:column;padding:1.75rem 1.5rem;display:flex;position:relative}.pricing-card-featured{border:2px solid var(--gold);box-shadow:0 6px 24px #0000001a}.pricing-flag{background:var(--gold);color:#fff;text-transform:uppercase;letter-spacing:.04em;border-radius:999px;padding:.25rem .6rem;font-size:.7rem;font-weight:700;position:absolute;top:-.7rem;right:1rem}.pricing-card h3{color:var(--navy);margin:0 0 .5rem;font-size:1.1rem}.pricing-price{color:var(--navy);margin-bottom:1rem;font-size:2rem;font-weight:700}.pricing-price span{color:var(--text-light);font-size:.95rem;font-weight:400}.pricing-card ul{flex:1;margin:0 0 1.5rem;padding:0;list-style:none}.pricing-card li{color:var(--text);padding:.35rem 0 .35rem 1.4rem;font-size:.9rem;line-height:1.45;position:relative}.pricing-card li:before{content:"✓";color:#065f46;font-weight:700;position:absolute;left:0}.pricing-btn{text-align:center;justify-content:center;align-self:stretch}.sponsor-card{background:#fffdf6;border:1px solid #f0e2bf;border-radius:10px;margin:1rem 0;padding:1.5rem 1.25rem 1.25rem;position:relative}.sponsor-label{background:var(--gold);color:#fff;text-transform:uppercase;letter-spacing:.05em;border-radius:4px;margin-bottom:.5rem;padding:.2rem .55rem;font-size:.68rem;font-weight:700;display:inline-block}.sponsor-card h3{margin:0;font-size:1.05rem}.savings-box{background:#f0f7ff;border:1px solid #cfe2f7;border-radius:10px;margin:1.25rem 0;padding:1.5rem}.savings-grid{grid-template-columns:1fr 1fr;gap:.75rem;display:grid}@media(max-width:560px){.savings-grid{grid-template-columns:1fr}}.savings-grid>div{border:1px solid var(--border);background:#fff;border-radius:8px;flex-direction:column;padding:.65rem .85rem;display:flex}.savings-grid span{color:var(--text-light);font-size:.78rem}.savings-grid strong{color:var(--navy);font-size:1.05rem}.savings-note{color:var(--text);margin:1rem 0 0;font-size:.9rem;line-height:1.6}@media(min-width:901px){.nav-dropdown-menu-scroll{max-height:70vh;overflow-y:auto}}.hero-with-photo{background-image:linear-gradient(135deg,#1e3a5fd1,#2a4f7cc7),url(/images/hero-suburban-home.jpg);background-position:50%;background-size:cover}.page-banner{object-fit:cover;border-radius:12px;width:100%;height:clamp(150px,26vw,260px);margin:0 0 1.5rem;display:block;box-shadow:0 2px 12px #00000014}.content-figure{margin:1.25rem 0}.content-figure img{border-radius:12px;width:100%;display:block;box-shadow:0 2px 12px #00000014}.content-figure figcaption{color:var(--text-light);text-align:center;margin-top:.5rem;font-size:.8rem}.guide-hero-figure img{object-fit:cover;border-radius:12px;width:100%;max-height:360px;display:block;box-shadow:0 2px 16px #0000001a}.print-btn{background:var(--green);color:#fff;cursor:pointer;border:none;border-radius:6px;align-items:center;gap:.5rem;min-height:44px;padding:.85rem 1.6rem;font-size:1rem;font-weight:600;transition:background .15s;display:inline-flex;box-shadow:0 2px 8px #2e7d3240}.print-btn:hover{background:var(--green-dark)}.guide-toc{border:1px solid var(--border);background:#fff;border-radius:10px;margin:1.5rem 0;padding:1.25rem 1.5rem}.guide-toc h2{color:var(--navy);margin:0 0 .75rem;font-size:1.05rem}.guide-toc ol{columns:2;column-gap:2rem;margin:0;padding-left:1.25rem}@media(max-width:560px){.guide-toc ol{columns:1}}.guide-toc li{margin-bottom:.35rem;font-size:.9rem}@media print{.site-nav,.site-footer,.no-print,.lead-form-card,.sponsor-card{display:none!important}body{color:#000;background:#fff}main{max-width:100%}.page-wrapper{max-width:100%;padding:0}a{color:#000;text-decoration:underline}.section,.content-figure,.guide-hero-figure{page-break-inside:avoid}}.hero-battle{background-color:#0000;background-image:linear-gradient(135deg,#1e3a5feb,#2a4f7ce0),url(/images/hero-suburban-home.jpg);background-position:50%;background-repeat:repeat,repeat;background-size:cover;background-attachment:scroll,scroll;background-origin:padding-box,padding-box;background-clip:border-box,border-box}.hero-eyebrow{color:var(--gold-light);letter-spacing:.05em;text-transform:uppercase;background:#c9a22738;border:1px solid #ddb63b80;border-radius:999px;margin-bottom:1rem;padding:.3rem .8rem;font-size:.78rem;font-weight:700;display:inline-block}.bp-band{border:1px solid var(--border);border-left:4px solid var(--gold);background:#fff;border-radius:12px;margin:2rem 0;padding:1.75rem}.bp-band h2{margin:0 0 .75rem;font-size:1.3rem}.bp-band p{color:var(--text);margin:0;line-height:1.75}.bp-h2-center{text-align:center;color:var(--navy);margin:2.5rem 0 .5rem;font-size:1.6rem}.bp-sub-center{text-align:center;color:var(--text-light);max-width:760px;margin:0 auto 1.5rem;line-height:1.7}.bp-h3{color:var(--navy);margin:0 0 1rem;font-size:1.15rem}.bp-get-grid{grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:1rem;margin:1.5rem 0;display:grid}.bp-get-card{border:1px solid var(--border);background:#fff;border-radius:12px;padding:1.5rem 1.25rem 1.25rem;transition:box-shadow .2s,transform .2s;position:relative}.bp-get-card:hover{transform:translateY(-2px);box-shadow:0 6px 22px #00000014}.bp-get-num{color:var(--border);font-size:.8rem;font-weight:700;position:absolute;top:.75rem;right:.9rem}.bp-get-icon{margin-bottom:.5rem;font-size:1.7rem}.bp-get-card h3{color:var(--navy);margin:0 0 .4rem;font-size:.98rem}.bp-get-card p{color:var(--text-light);margin:0;font-size:.85rem;line-height:1.5}.bp-locked-note{text-align:center;color:var(--navy);background:#eef5ff;border:1px dashed #b9d2f2;border-radius:10px;margin:1.5rem 0 0;padding:.9rem 1rem;font-size:.95rem;font-weight:600}.bp-zoo{background:radial-gradient(120% 120% at 0 0,#d4af371a,#0000 55%),linear-gradient(160deg,#0b1b2b,#13314c);border:1px solid #d4af3740;border-radius:16px;margin:2.5rem 0 0;padding:2rem 1.5rem 2.25rem;position:relative;overflow:hidden}.bp-zoo .bp-h2-center{color:#fff;margin-top:0}.bp-zoo .bp-sub-center{color:#ffffffc7}.bp-zoo-grid{grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:.9rem;margin:1.5rem 0;display:grid}.bp-zoo-card{text-align:center;background:#ffffff0d;border:1px solid #ffffff1f;border-radius:12px;padding:1.1rem .85rem 1rem;transition:transform .18s,border-color .18s,background .18s;position:relative}.bp-zoo-card:hover{background:#ffffff17;border-color:#d4af378c;transform:translateY(-3px)}.bp-zoo-emoji{margin-bottom:.5rem;font-size:2.2rem;line-height:1}.bp-zoo-name{color:#fff;margin-bottom:.3rem;font-size:.9rem;font-weight:700}.bp-zoo-hint{color:#ffffff9e;font-size:.78rem;line-height:1.45}.bp-zoo-lock{text-align:center;color:var(--gold);background:#d4af371a;border:1px dashed #d4af3773;border-radius:10px;padding:.85rem 1rem;font-size:.92rem;font-weight:600}.bp-form-legend{color:var(--navy);border-bottom:2px solid var(--border);margin:1.75rem 0 1rem;padding-bottom:.4rem;font-size:1.05rem}.bp-form-legend:first-of-type{margin-top:0}.bp-form-hint{color:var(--text-light);margin:-.5rem 0 1rem;font-size:.85rem}.bp-consent{color:var(--text);background:var(--bg);border:1px solid var(--border);border-radius:8px;align-items:flex-start;gap:.7rem;margin-top:1.5rem;padding:1rem;font-size:.82rem;line-height:1.6;display:flex}.bp-consent input{flex-shrink:0;width:auto;margin-top:.2rem}.bp-confirm{text-align:center;background:linear-gradient(135deg,#f0fdf4,#eef5ff);border:1px solid #cdebd6;border-radius:14px;margin:1rem 0 2rem;padding:2rem 1.5rem}.bp-confirm-badge{background:var(--green);color:#fff;text-transform:uppercase;letter-spacing:.05em;border-radius:999px;margin-bottom:.75rem;padding:.3rem .8rem;font-size:.75rem;font-weight:700;display:inline-block}.bp-confirm h2{color:var(--navy);margin:0 0 .75rem;font-size:1.5rem}.bp-confirm p{max-width:760px;color:var(--text);margin:0 auto;line-height:1.7}.bp-result-section{margin:2.5rem 0}.gauge{border:1px solid var(--border);background:#fff;border-radius:16px;flex-direction:column;align-items:center;max-width:420px;margin:0 auto;padding:1.5rem 1rem 1.75rem;display:flex;box-shadow:0 4px 20px #0000000f}.gauge svg{width:100%;max-width:340px;height:auto}.gauge-readout{text-align:center;margin-top:-.5rem}.gauge-score{font-size:3rem;font-weight:800;line-height:1}.gauge-cat{color:var(--navy);margin-top:.2rem;font-size:1.05rem;font-weight:700}.gauge-scale{color:var(--text-light);font-size:.8rem}.bp-cat-legend{flex-wrap:wrap;justify-content:center;gap:.5rem;margin:1.25rem 0 .5rem;display:flex}.bp-cat-chip{color:var(--text-light);border:1px solid var(--border);background:#fff;border-radius:999px;padding:.3rem .7rem;font-size:.75rem;font-weight:600}.bp-cat-chip.active{background:var(--navy);color:#fff;border-color:var(--navy)}.bp-blurb{text-align:center;max-width:680px;color:var(--text);margin:1rem auto 0;line-height:1.7}.bp-celebrate{text-align:center;color:#065f46;background:#d1fae5;border:1px solid #a7f3d0;border-radius:10px;max-width:620px;margin:1.25rem auto 0;padding:.9rem 1.25rem;font-weight:700}.bp-warnbar{text-align:center;color:#92400e;background:#fffbeb;border:1px solid #fde68a;border-radius:10px;max-width:680px;margin:1.25rem auto 0;padding:.9rem 1.25rem;font-weight:700}.bp-score-grid{grid-template-columns:repeat(3,1fr);gap:1rem;margin:1.5rem 0;display:grid}@media(max-width:700px){.bp-score-grid{grid-template-columns:1fr}}.bp-score-card{background:var(--navy);color:#fff;text-align:center;border-radius:14px;flex-direction:column;gap:.3rem;padding:1.5rem 1.25rem;display:flex}.bp-score-label{color:#ffffffbf;text-transform:uppercase;letter-spacing:.04em;font-size:.82rem}.bp-score-value{color:var(--gold-light);font-size:2.6rem;font-weight:800;line-height:1.1}.bp-score-value small{color:#fff9;font-size:1rem;font-weight:600}.bp-score-value-sm{font-size:1.5rem}.bp-score-tag{color:#ffffffd9;font-size:.85rem;font-weight:600}.bp-factors{border:1px solid var(--border);background:#fff;border-radius:12px;grid-template-columns:1fr 1fr;gap:1rem 1.5rem;padding:1.5rem;display:grid}@media(max-width:600px){.bp-factors{grid-template-columns:1fr}}.bp-factor-top{color:var(--text);justify-content:space-between;margin-bottom:.35rem;font-size:.85rem;font-weight:600;display:flex}.bp-factor-pct{color:var(--navy)}.bp-bar{background:var(--bg);border-radius:999px;height:8px;overflow:hidden}.bp-bar-fill{background:linear-gradient(90deg,var(--gold) 0%,var(--green) 100%);border-radius:999px;height:100%}.bp-road-grid{grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1.25rem;margin:1.5rem 0;display:grid}.bp-road-card{border:1px solid var(--border);border-top:4px solid var(--gold);background:#fff;border-radius:12px;padding:1.5rem 1.25rem}.bp-road-emoji{margin-bottom:.5rem;font-size:2.4rem;line-height:1}.bp-road-card h3{color:var(--navy);margin:0 0 .5rem;font-size:1.05rem}.bp-road-card p{color:var(--text);margin:0 0 .6rem;font-size:.9rem;line-height:1.6}.bp-road-step{color:var(--text-light);font-size:.85rem}.bp-cleared{background:#f0fdf4;border:1px solid #cdebd6;border-radius:12px;margin-top:1.5rem;padding:1.25rem 1.5rem}.bp-cleared-grid{flex-wrap:wrap;gap:.6rem;display:flex}.bp-clear-chip{color:#065f46;background:#fff;border:1px solid #a7f3d0;border-radius:999px;padding:.4rem .85rem;font-size:.85rem;font-weight:600}.bp-sample-flag{color:#92400e;background:#fffbeb;border:1px solid #fde68a;border-radius:10px;margin-bottom:1.25rem;padding:.9rem 1.1rem;font-size:.85rem;line-height:1.6}.bp-wealth-grid{grid-template-columns:repeat(4,1fr);gap:1rem;margin-bottom:1.5rem;display:grid}@media(max-width:820px){.bp-wealth-grid{grid-template-columns:repeat(2,1fr)}}.bp-wealth-stat{border:1px solid var(--border);background:#fff;border-radius:12px;flex-direction:column;gap:.3rem;padding:1.1rem 1rem;display:flex}.bp-wealth-stat.accent{background:#f6fef9;border-color:#cdebd6}.bp-wealth-stat.big{background:var(--navy);border-color:var(--navy);grid-column:span 2}@media(max-width:420px){.bp-wealth-stat.big{grid-column:span 1}}.bp-wealth-label{color:var(--text-light);text-transform:uppercase;letter-spacing:.03em;font-size:.78rem}.bp-wealth-value{color:var(--navy);font-size:1.5rem;font-weight:800}.bp-wealth-stat.big .bp-wealth-label{color:#ffffffbf}.bp-wealth-stat.big .bp-wealth-value{color:var(--gold-light);font-size:1.9rem}.bp-example-card{background:#eef5ff;border:1px solid #b9d2f2;border-radius:12px;margin:1.5rem 0;padding:1.5rem}.bp-example-card h3{color:var(--navy);margin:0 0 .6rem;font-size:1.1rem}.bp-example-card p{color:var(--text);margin:0 0 .75rem;line-height:1.7}.bp-calc-disclaimer{color:var(--text-light);margin:0;font-size:.78rem;font-style:italic;line-height:1.6}.bp-details{border:1px solid var(--border);background:#fff;border-radius:10px;margin-top:1.25rem;padding:.5rem 1.25rem}.bp-details summary{cursor:pointer;color:var(--navy);padding:.75rem 0;font-weight:700}.bp-details p{color:var(--text);line-height:1.7}.bp-details ul{color:var(--text);padding-left:1.2rem;font-size:.9rem}.bp-details li{margin-bottom:.4rem}.bp-sources{grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1rem;display:grid}.bp-source{border:1px solid var(--border);background:#fff;border-radius:10px;flex-direction:column;gap:.3rem;padding:1.1rem 1.25rem;transition:box-shadow .2s,transform .2s;display:flex}.bp-source:hover{color:inherit;transform:translateY(-2px);box-shadow:0 4px 18px #00000014}.bp-source-label{color:var(--navy);font-size:.95rem;font-weight:700}.bp-source-note{color:var(--text-light);font-size:.83rem}.bp-checklist-grid{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.25rem;display:grid}.bp-checklist-card{border:1px solid var(--border);background:#fff;border-radius:12px;padding:1.5rem 1.25rem}.bp-checklist-card h3{color:var(--navy);margin:0 0 .75rem;font-size:1rem}.bp-checklist-card ul{margin:0;padding-left:1.2rem}.bp-checklist-card li{color:var(--text);margin-bottom:.5rem;font-size:.88rem;line-height:1.5}.bp-action{border:1px solid var(--border);background:#fff;border-radius:14px;padding:2rem 1.75rem}.bp-action-list{max-width:720px;margin:0 auto;padding-left:1.4rem}.bp-action-list li{color:var(--text);margin-bottom:.7rem;font-size:.95rem;line-height:1.6}.bp-action-cta{flex-wrap:wrap;justify-content:center;gap:.75rem;margin-top:1.5rem;display:flex}.bp-action-cta .hero-cta-secondary{border:2px solid var(--navy);color:var(--navy);box-shadow:none;background:0 0}.bp-action-cta .hero-cta-secondary:hover{background:var(--navy);color:#fff}.hero-dark{background:radial-gradient(1200px 400px at 50% -10%,#1e8e5a2e,#0000 60%),linear-gradient(#0b1b2b,#0d2236);border-bottom:1px solid #ffffff0f}.hero-dark h1{font-family:var(--font-display);letter-spacing:-.035em;max-width:18ch;margin-left:auto;margin-right:auto}.bp-progress{flex-wrap:wrap;justify-content:center;align-items:center;gap:0;margin:1.5rem 0 .5rem;display:flex}.bp-prog-step{color:var(--text-light);align-items:center;gap:.5rem;font-size:.85rem;font-weight:600;display:flex;position:relative}.bp-prog-dot{border:2px solid var(--border);width:30px;height:30px;color:var(--text-light);background:#fff;border-radius:50%;flex:none;place-items:center;font-weight:700;display:grid}.bp-prog-step.active .bp-prog-dot{background:var(--navy);border-color:var(--navy);color:#fff}.bp-prog-step.done .bp-prog-dot{background:var(--green);border-color:var(--green);color:#fff}.bp-prog-step.active .bp-prog-label,.bp-prog-step.done .bp-prog-label{color:var(--text)}.bp-prog-bar{background:var(--border);width:clamp(20px,5vw,60px);height:2px;margin:0 .5rem}.bp-prog-step.done .bp-prog-bar{background:var(--green)}@media(max-width:560px){.bp-prog-label{display:none}.bp-prog-bar{width:28px}}.bp-saved-note,.bp-unlock-note,.bp-prompt{border-radius:12px;margin-bottom:1rem;padding:.9rem 1.1rem;font-size:.95rem}.bp-saved-note{color:#065f46;background:#ecfdf5;border:1px solid #a7f3d0}.bp-unlock-note{color:#1e3a8a;background:#eff6ff;border:1px solid #bfdbfe}.bp-prompt{color:#92400e;background:#fffbeb;border:1px solid #fde68a}.bp-link-btn{width:100%;color:var(--navy);cursor:pointer;background:0 0;border:none;margin-top:.75rem;padding:.5rem;font-weight:600;text-decoration:underline;display:block}.bp-prog-picker{flex-wrap:wrap;gap:.5rem;display:flex}.bp-prog-pick{border:1px solid var(--border);cursor:pointer;background:#fff;border-radius:999px;align-items:center;gap:.5rem;padding:.5rem .85rem;font-size:.85rem;font-weight:500;transition:all .15s;display:inline-flex}.bp-prog-pick.on{border-color:var(--green);color:var(--green-dark);background:#ecfdf5}.bp-prog-pick input{width:auto}.bp-giraffe{background:linear-gradient(135deg,#fffbeb,#fff);border:1px solid #fde68a;border-radius:14px;align-items:flex-start;gap:1rem;margin:1rem 0;padding:1.1rem 1.25rem;display:flex}.bp-giraffe-emoji{font-size:2.2rem;line-height:1}.bp-giraffe strong{color:var(--navy);font-family:var(--font-display)}.bp-giraffe p{color:var(--text-light);margin:.25rem 0 0}.bp-prog-grid{grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:1rem;margin-top:1rem;display:grid}.bp-prog-card{border:1px solid var(--border);border-left:4px solid var(--border);background:#fff;border-radius:14px;flex-direction:column;padding:1.25rem;display:flex}.bp-prog-card.strong{border-left-color:var(--green)}.bp-prog-card.possible{border-left-color:#3b82f6}.bp-prog-card.info{border-left-color:#f59e0b}.bp-prog-card.no{border-left-color:#ef4444}.bp-prog-card.na{opacity:.85;border-left-color:#9ca3af}.bp-prog-head{justify-content:space-between;align-items:flex-start;gap:.75rem;display:flex}.bp-prog-head h3{margin:0;font-size:1.05rem}.bp-prog-status{text-transform:uppercase;letter-spacing:.03em;white-space:nowrap;border-radius:999px;flex:none;padding:.25rem .55rem;font-size:.72rem;font-weight:700}.bp-prog-status.strong{color:var(--green-dark);background:#ecfdf5}.bp-prog-status.possible{color:#1e40af;background:#eff6ff}.bp-prog-status.info{color:#92400e;background:#fffbeb}.bp-prog-status.no{color:#991b1b;background:#fef2f2}.bp-prog-status.na{color:#4b5563;background:#f3f4f6}.bp-prog-why{color:var(--text-light);margin:.75rem 0;font-size:.88rem}.bp-prog-checks{gap:.4rem;margin:0;display:grid}.bp-prog-checks>div{grid-template-columns:42% 1fr;gap:.5rem;font-size:.8rem;display:grid}.bp-prog-checks dt{color:var(--text-light);margin:0}.bp-prog-checks dd{color:var(--text);margin:0;font-weight:500}.bp-prog-foot{border-top:1px solid var(--border);flex-wrap:wrap;align-items:center;gap:.75rem;margin-top:1rem;padding-top:.9rem;font-size:.8rem;display:flex}.bp-prog-updated{color:var(--text-light)}.bp-prog-include{cursor:pointer;align-items:center;gap:.4rem;margin-left:auto;font-weight:600;display:inline-flex}.bp-prog-include input{width:auto}.bp-source-link{color:var(--green-dark);font-weight:600}.bp-landbanks{margin-top:2rem}.bp-landbank-grid{grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1rem;display:grid}.bp-landbank-card{border:1px solid var(--border);background:#fff;border-radius:12px;padding:1rem 1.1rem}.bp-landbank-card h4{margin:0 0 .25rem;font-size:.98rem}.bp-landbank-area{color:var(--text-light);margin:0 0 .6rem;font-size:.82rem}.bp-landbank-note{color:var(--text-light);margin:.6rem 0;font-size:.82rem}.bp-tag-row{flex-wrap:wrap;gap:.35rem;display:flex}.bp-tag{color:var(--ink-700);background:#f1f5f9;border-radius:6px;padding:.2rem .45rem;font-size:.7rem;font-weight:600}.bp-scenario-grid{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:.85rem;display:grid}.bp-scenario{border:1px solid var(--border);background:#fff;border-radius:12px;flex-direction:column;gap:.25rem;padding:1rem;display:flex}.bp-scenario-label{color:var(--text-light);font-size:.8rem;font-weight:600}.bp-scenario-pi{font-family:var(--font-display);color:var(--navy);font-size:1.6rem;font-weight:800}.bp-scenario-pi small{color:var(--text-light);font-size:.8rem;font-weight:600}.bp-scenario-meta{color:var(--text-light);font-size:.78rem}.bp-stack-grid{grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1rem;display:grid}.bp-stack-card{border:1px solid var(--border);background:#fff;border-radius:12px;padding:1.1rem}.bp-stack-card h4{margin:0 0 .5rem;font-size:.95rem}.bp-stack-verdict{border-radius:999px;margin-bottom:.5rem;padding:.25rem .55rem;font-size:.72rem;font-weight:700;display:inline-block}.bp-stack-verdict.strong{color:var(--green-dark);background:#ecfdf5}.bp-stack-verdict.info{color:#92400e;background:#fffbeb}.bp-stack-verdict.no{color:#991b1b;background:#fef2f2}.bp-stack-verdict.na{color:#4b5563;background:#f3f4f6}.bp-stack-card p{color:var(--text-light);margin:0;font-size:.84rem}@property --tw-rotate-x{syntax:"*";inherits:false}@property --tw-rotate-y{syntax:"*";inherits:false}@property --tw-rotate-z{syntax:"*";inherits:false}@property --tw-skew-x{syntax:"*";inherits:false}@property --tw-skew-y{syntax:"*";inherits:false}@property --tw-border-style{syntax:"*";inherits:false;initial-value:solid}@property --tw-font-weight{syntax:"*";inherits:false}@property --tw-blur{syntax:"*";inherits:false}@property --tw-brightness{syntax:"*";inherits:false}@property --tw-contrast{syntax:"*";inherits:false}@property --tw-grayscale{syntax:"*";inherits:false}@property --tw-hue-rotate{syntax:"*";inherits:false}@property --tw-invert{syntax:"*";inherits:false}@property --tw-opacity{syntax:"*";inherits:false}@property --tw-saturate{syntax:"*";inherits:false}@property --tw-sepia{syntax:"*";inherits:false}@property --tw-drop-shadow{syntax:"*";inherits:false}@property --tw-drop-shadow-color{syntax:"*";inherits:false}@property --tw-drop-shadow-alpha{syntax:"<percentage>";inherits:false;initial-value:100%}@property --tw-drop-shadow-size{syntax:"*";inherits:false}
