:root{--navy:#0B1D35;--navy2:#102A4A;--gold:#D4A017;--gold2:#F0C04B;--cream:#FBF7ED;--white:#fff;--ink:#172033;--muted:#667085;--line:#E5E7EB;--bg:#F7F8FA;--green:#18794E;--shadow:0 20px 60px rgba(11,29,53,.12);--radius:24px}
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22px;max-width:800px}.hero-lead{font-size:18px;line-height:1.65;color:#D8E0EB;max-width:720px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.trust-row{display:flex;gap:34px;margin-top:44px}.trust-row span{display:flex;flex-direction:column}.trust-row b{font-size:22px;color:white}.trust-row small{color:#A9B7C8;font-size:11px;margin-top:3px}.card{background:white;border:1px solid rgba(11,29,53,.08);border-radius:var(--radius);box-shadow:0 4px 20px rgba(11,29,53,.05)}.glass{background:linear-gradient(180deg,rgba(255,255,255,.12),rgba(255,255,255,.06));border-color:rgba(255,255,255,.18);box-shadow:none;padding:28px;color:white}.panel-label{text-transform:uppercase;letter-spacing:.12em;font-size:11px;color:#B7C4D4;font-weight:800}.rate-big{display:flex;align-items:end;justify-content:space-between;gap:12px;margin-top:10px}.rate-big span{font-size:52px;font-weight:850;letter-spacing:-.05em;color:var(--gold2)}.rate-big 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var(--line)}.quick-strip>div:last-child{border-right:0}.mini-icon{width:38px;height:38px;border-radius:11px;background:var(--cream);color:#8A6510;display:grid;place-items:center;font-weight:850;font-size:12px;flex:0 0 auto}.quick-strip p{margin:0;display:flex;flex-direction:column}.quick-strip b{font-size:15px;color:var(--navy)}.quick-strip small{font-size:10px;color:var(--muted);line-height:1.35;margin-top:2px}.section{max-width:1180px;margin:auto;padding:90px 24px}.section-alt{max-width:none;background:#EFF2F6;padding-left:max(24px,calc((100vw - 1180px)/2));padding-right:max(24px,calc((100vw - 1180px)/2))}.section-head{display:grid;grid-template-columns:1.25fr .75fr;gap:60px;align-items:end;margin-bottom:34px}.section-head h2{font-size:clamp(30px,4vw,46px);letter-spacing:-.035em;line-height:1.08;margin:8px 0 0;color:var(--navy)}.section-head>p{color:var(--muted);line-height:1.65;font-size:14px;margin:0}.calc-layout{display:grid;grid-template-columns:1.2fr 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rgba(212,160,23,.12)}.money-input,.inline-input{position:relative}.money-input span,.inline-input span{position:absolute;left:12px;top:50%;transform:translateY(-50%);font-weight:800;color:#8B95A5;z-index:2}.money-input input{padding-left:28px}.inline-input span{left:auto;right:13px}.inline-input input{padding-right:30px}.grid-2 small{font-size:10px;color:#8A94A4;line-height:1.35}.micro-link{background:none;border:0;color:#8A6510;padding:0;text-align:left;font-size:10px;font-weight:800;cursor:pointer}.result-card{padding:28px;position:sticky;top:96px;background:linear-gradient(180deg,#fff,#FBFCFE)}.result-label{font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:#697586}.result-total{font-size:52px;font-weight:850;letter-spacing:-.05em;color:var(--navy);margin:8px 0}.result-sub{color:#667085;font-size:13px}.breakdown{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:14px 0;margin:20px 0}.breakdown div{display:flex;justify-content:space-between;padding:7px 0;font-size:13px;color:#667085}.breakdown b{color:#27364A}.result-metrics{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:18px}.result-metrics div{background:#F5F6F8;border-radius:12px;padding:12px}.result-metrics small{display:block;color:#7B8493;font-size:10px;min-height:26px}.result-metrics b{display:block;margin-top:4px;font-size:14px;color:var(--navy)}.market-chip{display:flex;justify-content:space-between;gap:10px;background:var(--cream);border:1px solid #EFE4C5;padding:11px 12px;border-radius:11px;margin-bottom:12px;font-size:10px;color:#755C1C}.market-chip b{color:#4F411E}.fine{font-size:10px;color:#8A94A4;line-height:1.5;margin:12px 0 0}.callout{background:#F5F7FA;border-left:3px solid var(--gold);padding:13px;border-radius:0 10px 10px 0;color:#5A6576;font-size:12px;line-height:1.55;margin:20px 0}.path-layout{display:grid;grid-template-columns:.78fr 1.22fr;gap:24px;align-items:start}.path-form{padding:24px;display:grid;grid-template-columns:34px 1fr;gap:14px 12px;align-items:end}.path-form .btn{grid-column:1/-1;margin-top:8px}.step-badge{width:30px;height:30px;border-radius:50%;background:var(--navy);color:var(--gold2);font-weight:850;font-size:12px;display:grid;place-items:center;margin-bottom:9px}.path-result{padding:28px;min-height:550px}.empty-state{min-height:490px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;color:#7A8493}.compass{width:74px;height:74px;border-radius:50%;display:grid;place-items:center;background:var(--cream);color:#9A7317;font-size:36px;margin-bottom:16px}.empty-state h3{color:var(--navy);margin:0 0 8px}.empty-state p{max-width:430px;line-height:1.6;font-size:13px}.path-result h3{font-size:24px;color:var(--navy);margin:0 0 6px}.path-result .status{display:inline-flex;padding:6px 9px;border-radius:999px;background:#E8F5EF;color:var(--green);font-weight:800;font-size:11px;margin-bottom:12px}.program-list{display:grid;gap:10px;margin:18px 0}.program{border:1px solid var(--line);border-radius:14px;padding:14px;display:flex;gap:12px;align-items:flex-start;background:#fff}.program-icon{width:36px;height:36px;border-radius:10px;background:var(--cream);display:grid;place-items:center;color:#825F0C;font-size:11px;font-weight:850;flex:0 0 auto}.program h4{margin:0 0 3px;color:var(--navy);font-size:14px}.program p{margin:0;color:#667085;font-size:11px;line-height:1.5}.path-note{background:#F6F8FA;border-radius:14px;padding:14px;font-size:12px;color:#5D6878;line-height:1.55;margin-top:12px}.path-licensing{margin-top:14px;padding:12px;border:1px dashed #C9D0D9;border-radius:12px;font-size:11px;color:#667085}.path-cta{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:16px}.check-toolbar{padding:18px 20px;display:flex;align-items:center;justify-content:space-between;gap:18px}.profile-pills{display:flex;gap:7px;flex-wrap:wrap}.profile-pill{border:1px solid var(--line);background:white;border-radius:999px;padding:8px 12px;font-weight:800;font-size:11px;color:#5A6678;cursor:pointer}.profile-pill.active{background:var(--navy);color:white;border-color:var(--navy)}.progress-box{min-width:220px;display:flex;align-items:center;gap:10px;color:#667085;font-size:11px;font-weight:800}.progress-track{height:8px;flex:1;background:#E9EDF1;border-radius:999px;overflow:hidden}.progress-track>div{height:100%;width:0;background:linear-gradient(90deg,var(--gold),var(--gold2));border-radius:999px;transition:.25s}.check-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:18px}.check-group{padding:20px}.check-group h3{margin:0 0 14px;color:var(--navy);font-size:15px}.check-item{display:flex;gap:10px;align-items:flex-start;padding:10px 0;border-top:1px solid #EEF1F4;font-size:12px;color:#546174;line-height:1.45}.check-item:first-of-type{border-top:0}.check-item input{width:18px;height:18px;accent-color:var(--gold);margin-top:1px}.check-item b{display:block;color:#26364B;font-size:12px;margin-bottom:2px}.check-actions{display:flex;gap:10px;margin-top:18px}.privacy-note{margin-top:18px;background:#EDF6F2;border:1px solid #D5E9DF;border-radius:14px;padding:14px 16px;color:#416253;font-size:12px;line-height:1.55}.section-dark{max-width:none;background:linear-gradient(145deg,#081728,var(--navy) 60%,#133457);padding-left:max(24px,calc((100vw - 1180px)/2));padding-right:max(24px,calc((100vw - 1180px)/2));color:white}.section-head.light h2{color:white}.section-head.light>p{color:#B8C5D4}.data-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:18px}.data-cards article{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.10);padding:18px;border-radius:16px}.data-cards span{font-size:10px;color:#8FA3BA;letter-spacing:.12em;font-weight:800}.data-cards b{display:block;color:var(--gold2);font-size:25px;margin:8px 0 4px}.data-cards p{font-size:10px;color:#B5C3D3;line-height:1.45;margin:0}.learn-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.learn-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.10);padding:20px;border-radius:18px}.learn-icon{width:42px;height:42px;border-radius:12px;background:rgba(212,160,23,.15);color:var(--gold2);display:grid;place-items:center;font-size:11px;font-weight:850}.learn-card h3{margin:14px 0 8px;font-size:16px}.learn-card p{margin:0;color:#BECADA;font-size:12px;line-height:1.6}.sources{margin-top:20px;border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:15px 18px;background:rgba(0,0,0,.12)}.sources summary{cursor:pointer;font-weight:800;color:#E1E8F0;font-size:12px}.source-list{display:grid;gap:8px;margin-top:12px}.source-list a{color:#C8D5E4;font-size:11px;line-height:1.4}.cta-section{max-width:1180px;margin:70px auto;padding:34px;background:var(--navy);color:white;border-radius:28px;display:grid;grid-template-columns:1.25fr .75fr;gap:30px;align-items:center;box-shadow:var(--shadow)}.cta-section h2{font-size:30px;line-height:1.12;letter-spacing:-.025em;margin:8px 0 10px}.cta-section p{color:#C0CCD9;font-size:13px;line-height:1.6}.cta-buttons{display:flex;gap:10px;justify-content:flex-end;flex-wrap:wrap}.footer{background:#071323;color:#C0CAD8;padding:48px max(24px,calc((100vw - 1180px)/2)) 30px}.footer-main{display:grid;grid-template-columns:1.2fr .8fr 1fr;gap:40px}.footer-brand .brand-mark{background:var(--gold);color:var(--navy)}.brand-mark.small{width:36px;height:36px}.footer .brand strong{color:white}.footer p{font-size:11px;line-height:1.7;color:#9FAFC2}.footer p a{color:inherit;text-decoration:none}.footer p a:hover{color:var(--gold2)}.footer b{color:white;font-size:12px}.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:20px;font-size:9px;line-height:1.6;color:#8294AA}.mobile-dock{display:none}
@media(max-width:980px){.nav{display:none}.header{padding:0 18px}.hero-inner{grid-template-columns:1fr;padding-top:64px}.hero-panel{max-width:620px}.quick-strip{margin:0;border-radius:0;grid-template-columns:1fr 1fr}.quick-strip>div:nth-child(2){border-right:0}.section-head{grid-template-columns:1fr;gap:12px}.calc-layout,.path-layout{grid-template-columns:1fr}.result-card{position:static}.learn-grid{grid-template-columns:1fr 1fr}.data-cards{grid-template-columns:1fr 1fr}.cta-section{margin:50px 24px;grid-template-columns:1fr}.cta-buttons{justify-content:flex-start}}
@media(max-width:680px){body{padding-bottom:70px}.header{height:66px}.brand-mark{width:36px;height:36px}.brand strong{font-size:12px}.brand small{font-size:9px}.header-actions .btn{display:none}.hero-inner{padding:54px 18px 54px;gap:34px}.hero h1{font-size:41px}.hero-lead{font-size:15px}.hero-actions{display:grid}.trust-row{gap:20px;justify-content:space-between}.trust-row b{font-size:18px}.quick-strip{grid-template-columns:1fr;padding:10px 16px}.quick-strip>div{border-right:0;border-bottom:1px solid var(--line)}.quick-strip>div:last-child{border-bottom:0}.section,.section-alt,.section-dark{padding:68px 18px}.section-head h2{font-size:32px}.grid-2{grid-template-columns:1fr}.result-total{font-size:44px}.path-form{grid-template-columns:30px 1fr;padding:18px}.path-result{padding:20px}.path-cta{grid-template-columns:1fr}.check-toolbar{align-items:flex-start;flex-direction:column}.progress-box{width:100%;min-width:0}.check-grid{grid-template-columns:1fr}.check-actions{flex-direction:column}.data-cards{grid-template-columns:1fr 1fr}.learn-grid{grid-template-columns:1fr}.cta-section{margin:40px 16px;padding:24px}.cta-section h2{font-size:26px}.cta-buttons{display:grid}.footer{padding:40px 18px 26px}.footer-main{grid-template-columns:1fr}.mobile-dock{position:fixed;left:10px;right:10px;bottom:10px;z-index:80;background:rgba(7,19,35,.96);backdrop-filter:blur(14px);border-radius:16px;display:grid;grid-template-columns:repeat(4,1fr);padding:7px;border:1px solid rgba(255,255,255,.1);box-shadow:0 15px 50px rgba(0,0,0,.3)}.mobile-dock a{text-decoration:none;display:flex;flex-direction:column;align-items:center;color:#D6DFE9;gap:2px;padding:4px}.mobile-dock span{color:var(--gold2);font-size:18px}.mobile-dock small{font-size:9px}.rate-big span{font-size:44px}}

@media(max-width:980px){.hero-visual{max-width:620px}.advisor-card{max-width:420px}}
@media(max-width:680px){.advisor-card{max-width:340px;margin:0 auto}.advisor-meta{text-align:center}}


/* EasyMortgage editorial guides */
.truth-banner{display:grid;grid-template-columns:auto 1fr auto;gap:22px;align-items:center;padding:22px 24px;margin-bottom:34px;border:1px solid rgba(240,192,75,.28);background:linear-gradient(120deg,rgba(212,160,23,.14),rgba(255,255,255,.05));border-radius:22px}.truth-badge{font-size:9px;letter-spacing:.13em;font-weight:900;color:var(--gold2);border:1px solid rgba(240,192,75,.35);padding:9px 10px;border-radius:999px;white-space:nowrap}.truth-banner h3{font-size:20px;margin:0 0 5px;color:white;letter-spacing:-.02em}.truth-banner p{margin:0;color:#BDCAD9;font-size:12px;line-height:1.6}.editorial-head{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:end;margin:54px 0 20px}.editorial-head h3{font-size:32px;line-height:1.1;letter-spacing:-.03em;margin:8px 0 0;color:white}.editorial-head>p{margin:0;color:#B8C5D4;font-size:13px;line-height:1.65}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:48px}.article-card{appearance:none;text-align:left;color:white;background:rgba(255,255,255,.065);border:1px solid rgba(255,255,255,.11);border-radius:20px;padding:20px;cursor:pointer;min-height:280px;display:flex;flex-direction:column;transition:.22s ease;font:inherit}.article-card:hover{transform:translateY(-3px);border-color:rgba(240,192,75,.45);background:rgba(255,255,255,.095)}.article-card.featured{grid-column:span 2;background:linear-gradient(135deg,rgba(212,160,23,.17),rgba(255,255,255,.07));border-color:rgba(240,192,75,.26)}.article-top{display:flex;align-items:center;gap:10px;margin-bottom:20px}.article-icon{min-width:42px;height:42px;padding:0 8px;border-radius:12px;background:rgba(212,160,23,.16);color:var(--gold2);display:grid;place-items:center;font-size:10px;font-weight:900}.article-category{font-size:10px;letter-spacing:.08em;text-transform:uppercase;color:#AFC0D2;font-weight:850}.article-card h4{font-size:21px;line-height:1.17;letter-spacing:-.025em;margin:0 0 11px;color:#fff}.article-card p{color:#BFCBDC;font-size:12px;line-height:1.62;margin:0}.article-meta{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-top:auto;padding-top:22px;font-size:10px;color:#91A5BB}.article-meta b{color:var(--gold2);font-size:11px}.article-modal[hidden]{display:none}.article-modal{position:fixed;inset:0;z-index:120;display:grid;place-items:center;padding:22px}.article-backdrop{position:absolute;inset:0;background:rgba(2,10,20,.82);backdrop-filter:blur(10px)}.article-reader{position:relative;z-index:1;width:min(820px,100%);max-height:90vh;overflow:auto;background:#fff;color:var(--ink);border-radius:26px;box-shadow:0 30px 100px rgba(0,0,0,.42)}.article-close{position:sticky;float:right;top:14px;right:14px;z-index:4;width:38px;height:38px;border:1px solid #E4E8EE;border-radius:50%;background:rgba(255,255,255,.94);font-size:24px;color:#526071;cursor:pointer;margin:14px 14px -52px 0}.reader-head{padding:56px 56px 30px;background:linear-gradient(135deg,#09192B,#12375E);color:white;border-radius:26px 26px 0 0}.reader-head .article-category{color:var(--gold2)}.reader-head h2{font-size:38px;line-height:1.05;letter-spacing:-.04em;margin:12px 0 14px;max-width:680px}.reader-head p{color:#C8D4E1;line-height:1.65;font-size:14px;max-width:680px}.reader-time{margin-top:18px;font-size:10px;color:#96AABD;text-transform:uppercase;letter-spacing:.1em;font-weight:800}.reader-body{padding:42px 56px 22px}.reader-body>p,.reader-body section p{font-family:Georgia,'Times New Roman',serif;color:#3D4858;font-size:17px;line-height:1.82;margin:0 0 26px}.reader-body section h3{font-size:22px;line-height:1.25;letter-spacing:-.02em;color:var(--navy);margin:34px 0 8px}.reader-callout{margin:36px 0;padding:24px 26px;background:var(--cream);border-left:4px solid var(--gold);border-radius:0 16px 16px 0;color:#4A3D1B;font-size:17px;line-height:1.65;font-weight:750}.reader-sources{margin:0 56px;padding:22px 0 30px;border-top:1px solid var(--line);display:grid;gap:8px}.reader-sources h4{margin:0 0 4px;color:var(--navy);font-size:12px;text-transform:uppercase;letter-spacing:.08em}.reader-sources a{color:#657386;font-size:11px;line-height:1.45}.reader-cta{margin:0 34px 34px;background:var(--navy);border-radius:18px;padding:18px 20px;display:flex;justify-content:space-between;align-items:center;gap:18px;color:white}.reader-cta div{display:flex;flex-direction:column;gap:3px}.reader-cta b{font-size:14px}.reader-cta span{font-size:10px;color:#AFC0D2}.modal-open{overflow:hidden}.developer-credit{margin:28px auto 0;padding-top:22px;border-top:1px solid rgba(255,255,255,.08);max-width:1180px;display:flex;align-items:center;justify-content:center;gap:16px;text-decoration:none;opacity:.92;transition:.2s}.developer-credit:hover{opacity:1;transform:translateY(-1px)}.developer-credit>span{font-size:10px;color:#8FA1B7;text-transform:uppercase;letter-spacing:.12em}.developer-credit img{width:78px;height:78px;object-fit:contain;background:transparent!important;border:0!important;border-radius:0!important;padding:0!important;box-shadow:none!important;filter:none!important}
@media(max-width:980px){.article-grid{grid-template-columns:1fr 1fr}.article-card.featured{grid-column:span 2}.truth-banner{grid-template-columns:1fr}.truth-badge{width:max-content}.editorial-head{grid-template-columns:1fr;gap:10px}}
@media(max-width:680px){.article-grid{grid-template-columns:1fr}.article-card.featured{grid-column:auto}.article-card{min-height:0}.editorial-head h3{font-size:27px}.truth-banner{padding:18px}.reader-head{padding:52px 22px 26px}.reader-head h2{font-size:30px}.reader-body{padding:30px 22px 10px}.reader-body>p,.reader-body section p{font-size:16px}.reader-sources{margin:0 22px}.reader-cta{margin:0 14px 14px;align-items:stretch;flex-direction:column}.reader-cta .btn{width:100%}.article-modal{padding:8px}.article-reader{max-height:96vh;border-radius:20px}.developer-credit{flex-direction:column;gap:8px}}

.legal-links{max-width:1180px;margin:16px auto 0;display:flex;gap:18px;flex-wrap:wrap;justify-content:center}.legal-links a{font-size:10px;color:#9AAABD;text-decoration:none;border-bottom:1px solid transparent;padding-bottom:2px}.legal-links a:hover{color:#fff;border-color:#D4A017}.legal-page{min-height:100vh;background:#F7F8FA;color:#182335}.legal-page .legal-shell{width:min(920px,calc(100% - 36px));margin:0 auto;padding:28px 0 64px}.legal-page .legal-top{display:flex;justify-content:space-between;align-items:center;gap:18px;margin-bottom:30px}.legal-page .legal-back{font-size:12px;color:#0B1D35;text-decoration:none;font-weight:800}.legal-page .legal-card{background:#fff;border:1px solid #E4E8EE;border-radius:24px;padding:38px;box-shadow:0 12px 45px rgba(7,25,47,.06)}.legal-page h1{font-size:38px;letter-spacing:-.04em;margin:0 0 8px}.legal-page .updated{font-size:11px;color:#788698;margin-bottom:30px}.legal-page h2{font-size:20px;margin:30px 0 8px;color:#0B1D35}.legal-page p,.legal-page li{font-size:14px;line-height:1.75;color:#4B596A}.legal-page ul{padding-left:20px}.legal-page .language-block{padding-top:18px;margin-top:30px;border-top:1px solid #E9EDF2}.legal-page .language-block:first-of-type{border-top:0;margin-top:0;padding-top:0}.legal-page .legal-contact{margin-top:34px;padding:18px;border-radius:16px;background:#F5F7FA;font-size:12px;color:#58687A}.legal-page .legal-contact a{color:#0B1D35;font-weight:700}
@media(max-width:680px){.legal-page .legal-card{padding:24px 20px;border-radius:18px}.legal-page h1{font-size:30px}.legal-page .legal-top{align-items:flex-start;flex-direction:column}}