@charset "UTF-8";
@property --coverage {
  syntax: "<percentage>";
  inherits: false;
  initial-value: 60%;
}
.mobile-menu {
  display: none;
}
:root {
  --paper: #f6f3eb;
  --white: #fffdf8;
  --ink: #223c34;
  --text: #35443d;
  --muted: #657068;
  --line: #d8d9cc;
  --copper: #a35036;
  --sand: #e8deca;
  --serif: Georgia, "Times New Roman", serif;
  --sans: Arial, Helvetica, sans-serif;
}
* {
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
  scroll-padding-top: 100px;
}
body {
  margin: 0;
  background: var(--paper);
  color: var(--text);
  font: 15px/1.65 var(--sans);
  -webkit-font-smoothing: antialiased;
}
a {
  color: inherit;
  text-decoration: none;
}
button,
input,
select {
  font: inherit;
}
button,
a,
input,
select,
summary {
  -webkit-tap-highlight-color: transparent;
}
a,
button,
input,
select,
summary {
  touch-action: manipulation;
}
button {
  cursor: pointer;
}
button:disabled {
  cursor: not-allowed;
}
button,
a {
  transition:
    background 0.22s,
    color 0.22s,
    transform 0.22s,
    border-color 0.22s;
}
button:focus-visible,
a:focus-visible,
input:focus-visible,
select:focus-visible,
summary:focus-visible {
  outline: 3px solid var(--copper);
  outline-offset: 5px;
}
h1,
h2,
h3,
p {
  margin: 0;
}
h1,
h2,
h3 {
  font-family: var(--serif);
  font-weight: 400;
  line-height: 1.08;
  letter-spacing: -0.045em;
  color: var(--ink);
}
h1 {
  font-size: clamp(48px, 5.05vw, 76px);
}
h2 {
  font-size: clamp(38px, 3.7vw, 56px);
}
h3 {
  font-size: 32px;
}
em {
  font-weight: 400;
  color: var(--copper);
}
.shell {
  width: min(1480px, calc(100% - 96px));
  margin-inline: auto;
}
.section {
  padding-block: 110px;
}
.eyebrow {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 1.9px;
  line-height: 1.6;
}
.program-label {
  display: block;
  width: fit-content;
  max-width: 100%;
  padding-left: 12px;
  border-left: 2px solid var(--copper);
  color: var(--ink);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 1px;
  line-height: 1.5;
}
.skip-link {
  position: fixed;
  top: -100px;
  left: 20px;
  background: var(--ink);
  color: #fff;
  padding: 12px;
  z-index: 99;
}
.skip-link:focus {
  top: 12px;
}
.site-header {
  position: sticky;
  top: 0;
  background: rgba(246, 243, 235, 0.95);
  backdrop-filter: blur(18px);
  z-index: 30;
  border-bottom: 1px solid var(--line);
}
.nav-row {
  height: 92px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 29px;
  letter-spacing: 2px;
  line-height: 1;
}
.brand > span {
  white-space: nowrap;
}
.brand svg {
  width: 35px;
  height: 35px;
  stroke: var(--ink);
  fill: none;
  stroke-width: 1.2;
}
.brand-caption {
  display: block;
  font-size: 7px;
  letter-spacing: 1.4px;
  font-weight: 400;
  margin-top: 9px;
}
.nav-row nav {
  display: flex;
  gap: 32px;
  font-size: 12px;
}
.nav-row nav a:hover {
  color: var(--copper);
}
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 25px;
  min-height: 54px;
  padding: 14px 23px;
  border: 1px solid var(--ink);
  background: var(--ink);
  color: var(--white);
  font-size: 12px;
  font-weight: 600;
  line-height: 1.4;
}
.button:hover {
  background: #355548;
  transform: translateY(-2px);
}
.button span,
.text-link span {
  font-size: 20px;
  font-weight: 400;
}
.button-small {
  min-height: 42px;
  padding: 10px 18px;
}
.hero {
  display: grid;
  grid-template-columns: 1.03fr 1fr;
  gap: 40px;
  padding-top: 72px;
  padding-bottom: 74px;
  align-items: center;
}
.hero-copy > .eyebrow {
  display: flex;
  gap: 9px;
  align-items: center;
  margin-bottom: 29px;
}
.hero-copy > .eyebrow > span {
  width: 6px;
  height: 6px;
  background: var(--copper);
  border-radius: 50%;
}
.hero-intro {
  font-size: 15px;
  line-height: 1.8;
  max-width: 455px;
  margin-top: 27px;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  align-items: center;
  margin-top: 29px;
}
.text-link {
  font-size: 12px;
  display: inline-flex;
  align-items: center;
  gap: 15px;
  border-bottom: 1px solid var(--line);
  padding-block: 8px;
}
.text-link:hover {
  color: var(--copper);
  border-color: var(--copper);
}
.hero-note {
  margin-top: 34px;
  font-size: 8px;
  letter-spacing: 1.7px;
  color: var(--muted);
}
.hero-visual {
  position: relative;
  padding-bottom: 38px;
}
.drawing-frame {
  position: relative;
  overflow: hidden;
  background: #e9e1d3;
}
.drawing-frame img {
  width: 100%;
  height: auto;
  display: block;
  will-change: transform;
  transform: translateY(var(--parallax, 0px)) scale(1.04);
}
.drawing-label {
  position: absolute;
  bottom: 18px;
  left: 25px;
  font-size: 7px;
  letter-spacing: 1.3px;
  display: flex;
  align-items: center;
  gap: 7px;
}
.drawing-label i {
  width: 5px;
  height: 5px;
  background: #677258;
  border-radius: 50%;
}
.visual-note {
  position: absolute;
  bottom: 0;
  left: -20px;
  right: 36px;
  display: flex;
  align-items: center;
  gap: 20px;
  background: var(--white);
  padding: 23px 25px;
  box-shadow: 0 15px 30px #1b2b2410;
  border: 1px solid #fff;
}
.note-icon {
  height: 42px;
  width: 42px;
  border-radius: 50%;
  border: 1px solid var(--line);
  display: grid;
  place-items: center;
  color: var(--copper);
  font-size: 23px;
}
.visual-note .eyebrow {
  font-size: 8px;
}
.visual-note p {
  font-family: var(--serif);
  font-size: 24px;
  line-height: 1.15;
  margin-top: 7px;
  color: var(--ink);
  letter-spacing: -0.5px;
}
.note-number {
  margin-left: auto;
  align-self: flex-end;
  font-size: 9px;
  letter-spacing: 1px;
  color: var(--muted);
}
.scenario-strip {
  border-block: 1px solid var(--line);
  display: grid;
  grid-template-columns: 0.65fr 1fr 1.15fr 1.6fr;
  align-items: stretch;
  padding-block: 22px;
}
.scenario-strip p {
  font-family: var(--serif);
  font-style: italic;
  font-size: 19px;
  display: flex;
  align-items: center;
}
.scenario-strip a {
  font-size: 11px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding: 8px 24px;
  border-left: 1px solid var(--line);
}
.scenario-strip a:hover {
  background: #eae7dc;
  color: var(--copper);
}
.scenario-strip a span {
  font-size: 18px;
}
.section-heading {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 50px;
  margin-bottom: 45px;
}
.section-heading .eyebrow {
  margin-bottom: 20px;
}
.section-heading .program-label {
  font-size: 14px;
}
.section-heading > p {
  max-width: 325px;
  font-size: 13px;
  line-height: 1.85;
  padding-bottom: 4px;
}
.strategy-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.strategy-card {
  border: 1px solid var(--line);
  padding: 27px 29px 0;
  display: flex;
  flex-direction: column;
  background: var(--paper);
  transition:
    transform 0.3s,
    background 0.3s,
    box-shadow 0.3s;
}
.strategy-card:hover {
  transform: translateY(-8px);
  background: var(--white);
  box-shadow: 0 16px 32px #213c3409;
}
.card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 9px;
  letter-spacing: 1.3px;
}
.round-arrow {
  width: 29px;
  height: 29px;
  display: grid;
  place-items: center;
  border: 1px solid var(--line);
  border-radius: 50%;
  font-size: 16px;
  color: var(--copper);
}
.card-art {
  height: 148px;
  margin-block: 18px 20px;
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--line);
}
.steps-art {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  grid-template-rows: 1fr 24px;
  gap: 0 12px;
  padding-inline: 35px;
  align-items: end;
}
.steps-art i {
  display: block;
  background: #b26d50;
  height: 55px;
}
.steps-art i:nth-child(2) {
  height: 81px;
  background: #bd9d78;
}
.steps-art i:nth-child(3) {
  height: 110px;
  background: #657260;
}
.steps-art span {
  text-align: center;
  font-size: 8px;
  color: var(--muted);
}
.ratio-art {
  display: grid;
  place-items: center;
}
.ratio-art div {
  font-family: var(--serif);
  font-size: 48px;
  border: 1px solid #aeb8a8;
  border-radius: 50%;
  width: 132px;
  height: 132px;
  text-align: center;
  line-height: 128px;
  background: radial-gradient(
    circle,
    transparent 62%,
    #dbe0d2 63%,
    #dbe0d2 69%,
    transparent 70%
  );
}
.ratio-art div span {
  font-size: 24px;
  color: var(--copper);
}
.statement-art {
  display: grid;
  place-items: center;
}
.statement-art i {
  position: absolute;
  width: 140px;
  height: 100px;
  border: 1px solid #aaa88f;
  background: #f3eee1;
  transform: rotate(-9deg);
}
.statement-art i:nth-child(2) {
  transform: rotate(6deg);
}
.statement-art i:nth-child(3) {
  transform: rotate(0);
}
.statement-art div {
  z-index: 1;
  font-family: var(--serif);
  font-size: 38px;
  text-align: center;
}
.statement-art div span {
  color: #bdb393;
}
.tag {
  font-size: 8px;
  letter-spacing: 1.25px;
  font-weight: 600;
  color: var(--copper);
  margin-bottom: 14px;
}
.strategy-card h3 {
  margin-bottom: 20px;
}
.strategy-card > p:not(.tag) {
  font-size: 12px;
  line-height: 1.8;
  min-height: 65px;
}
.strategy-card dl {
  font-size: 11px;
  margin: 24px 0 28px;
}
.strategy-card dt {
  font-weight: 700;
  margin-bottom: 3px;
}
.strategy-card dd {
  margin: 0 0 13px;
  color: var(--muted);
}
.card-link {
  font-size: 11px;
  border-top: 1px solid var(--line);
  display: flex;
  justify-content: space-between;
  padding-block: 20px;
  margin-top: auto;
}
.card-link span {
  font-size: 16px;
  color: var(--copper);
}
.section-footnote {
  font-size: 11px;
  color: var(--muted);
  margin-top: 24px;
}
.site-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  border-top: 1px solid var(--line);
  padding-block: 35px;
}
.site-footer p,
.site-footer > a:last-child {
  font-size: 10px;
  max-width: 500px;
}
.site-footer .legal-disclosure {
  flex-basis: 100%;
  max-width: 1100px;
  border-top: 1px solid var(--line);
  padding-top: 18px;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.75;
}
[hidden] {
  display: none !important;
}
.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;
}
.buydown-section {
  background: #eaece2;
  border-block: 1px solid var(--line);
}
.buydown-section .section-heading > p {
  max-width: 355px;
}
.calculator {
  display: grid;
  grid-template-columns: 0.72fr 1.35fr;
  background: var(--white);
  border: 1px solid #cdd3c6;
}
.calculator-inputs {
  padding: 34px;
  border-right: 1px solid var(--line);
}
.calculator-results {
  padding: 34px;
}
.panel-heading {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 30px;
}
.panel-heading .eyebrow {
  font-size: 9px;
  letter-spacing: 1.4px;
}
.reset-button {
  background: none;
  border: 0;
  padding: 5px 0;
  color: var(--copper);
  font-size: 10px;
  border-bottom: 1px solid #d9c7b8;
}
.pill {
  font-size: 7px;
  letter-spacing: 1px;
  border: 1px solid var(--line);
  padding: 5px 8px;
  white-space: nowrap;
  color: var(--muted);
}
label {
  display: block;
  font-size: 11px;
  font-weight: 600;
  margin: 18px 0 8px;
}
.input-wrap {
  display: flex;
  align-items: center;
  gap: 9px;
  background: var(--white);
  border: 1px solid #c4ccbd;
  padding: 0 13px;
  min-height: 50px;
}
.input-wrap:focus-within {
  border-color: var(--ink);
}
.input-wrap > span {
  font-size: 11px;
  color: var(--muted);
  flex-shrink: 0;
}
.input-wrap input {
  width: 100%;
  min-width: 0;
  border: 0;
  background: transparent;
  color: var(--ink);
  font-size: 20px;
  outline-offset: 8px;
  padding: 10px 0;
  font-family: var(--serif);
  font-variant-numeric: tabular-nums;
}
.input-wrap input:focus-visible {
  outline: 0;
}
.input-wrap:has(input:focus-visible) {
  outline: 2px solid var(--copper);
  outline-offset: 3px;
}
.input-wrap:has(input[aria-invalid="true"]) {
  border-color: #a93728;
}
.input-pair {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.field-error {
  font-size: 11px;
  line-height: 1.5;
  color: #a33124;
  margin-top: 6px;
}
.field-error:empty {
  display: none;
}
.input-hint {
  font-size: 10px;
  line-height: 1.7;
  color: var(--muted);
  margin-top: 19px;
}
.note-payment {
  background: #f0f1e8;
  margin-top: 27px;
  padding: 21px;
  display: flex;
  flex-direction: column;
  gap: 5px;
}
.note-payment > span {
  font-size: 10px;
}
.note-payment strong {
  font: 36px/1.3 var(--serif);
  color: var(--ink);
  letter-spacing: -1px;
  font-variant-numeric: tabular-nums;
}
.note-payment small {
  font-size: 9px;
  color: var(--muted);
}
.calculator-key {
  display: flex;
  gap: 18px;
  margin-top: 23px;
  flex-wrap: wrap;
  font-size: 9px;
}
.calculator-key span {
  display: flex;
  align-items: center;
  gap: 6px;
}
.calculator-key i {
  display: inline-block;
  width: 8px;
  height: 8px;
}
.key-borrower {
  background: #60795f;
}
.key-subsidy {
  background: repeating-linear-gradient(
    135deg,
    #e4decd,
    #e4decd 2px,
    #cbbb9e 3px,
    #e4decd 4px
  );
}
.payment-timeline {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.payment-year {
  min-width: 0;
}
.payment-year > p:first-child {
  font-size: 9px;
  letter-spacing: 1.4px;
  margin-bottom: 14px;
}
.payment-year > strong {
  font: 30px var(--serif);
  letter-spacing: -1.2px;
  color: var(--ink);
  display: block;
  font-variant-numeric: tabular-nums;
}
.payment-year > span {
  font-size: 10px;
  display: block;
  margin-top: 5px;
  color: var(--muted);
}
.payment-year > span b {
  font-weight: 400;
}
.payment-bar {
  height: 155px;
  position: relative;
  margin: 25px 0 11px;
  background: repeating-linear-gradient(
    135deg,
    #eeeadd,
    #eeeadd 3px,
    #dcd2be 4px,
    #eeeadd 5px
  );
  border-top: 1px dashed #958d79;
}
.payment-bar > div {
  background: #638165;
  width: 100%;
  position: absolute;
  bottom: 0;
  transition: height 0.5s cubic-bezier(0.2, 0.7, 0.2, 1);
}
.payment-year:nth-child(2) .payment-bar > div {
  background: #415e46;
}
.payment-year:nth-child(3) .payment-bar > div {
  background: var(--ink);
}
.year-caption {
  font-size: 9px;
  line-height: 1.5;
  min-height: 28px;
}
.subsidy-detail {
  border-top: 1px solid var(--line);
  padding-top: 12px;
  margin-top: 8px;
  font-size: 9px;
}
.subsidy-detail span {
  display: block;
  color: var(--muted);
}
.subsidy-detail b {
  font-size: 13px;
  font-weight: 400;
  color: var(--copper);
}
.subsidy-total {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  border-top: 1px solid var(--line);
  margin-top: 25px;
  padding-top: 20px;
}
.subsidy-total .eyebrow {
  font-size: 8px;
  letter-spacing: 1px;
}
.subsidy-total p {
  font-size: 10px;
  color: var(--muted);
  margin-top: 4px;
}
.subsidy-total strong {
  font: 30px var(--serif);
  letter-spacing: -0.7px;
  white-space: nowrap;
}
.calculation-disclosure {
  font-size: 10px;
  line-height: 1.75;
  color: var(--muted);
  margin-top: 22px;
}
.calculation-disclosure a,
.section-footnote a,
.faqs a,
.source-content a {
  color: var(--copper);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.payoff-panel {
  display: grid;
  grid-template-columns: 1fr 1.2fr 1fr;
  gap: 45px;
  align-items: center;
  padding: 32px 0 12px;
}
.payoff-panel .eyebrow {
  font-size: 8px;
}
.payoff-panel h3 {
  font-size: 27px;
  margin-top: 7px;
}
.payoff-panel p:last-child {
  font-size: 10px;
  margin-top: 8px;
  color: var(--muted);
}
.payoff-control label {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 10px;
  margin-top: 0;
}
.payoff-control output {
  font: 23px var(--serif);
  background: var(--white);
  padding: 2px 11px;
  border: 1px solid var(--line);
}
input[type="range"] {
  width: 100%;
  margin: 10px 0;
  accent-color: var(--ink);
  cursor: pointer;
  min-height: 24px;
}
.range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 9px;
  color: var(--muted);
}
.payoff-value {
  border-left: 1px solid #c3ccbb;
  padding-left: 32px;
}
.payoff-value span {
  font-size: 10px;
  display: block;
  max-width: 195px;
  line-height: 1.6;
}
.payoff-value strong {
  font: 35px var(--serif);
  display: block;
  letter-spacing: -1px;
  margin-top: 9px;
}
.empty-state {
  min-height: 385px;
  display: grid;
  place-items: center;
  text-align: center;
  padding: 25px;
  border: 1px dashed var(--line);
  font-family: var(--serif);
  font-size: 25px;
  line-height: 1.3;
}
.split-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 100px;
  align-items: center;
}
.explain-copy > .eyebrow {
  margin-bottom: 21px;
  font-size: 9px;
}
.explain-copy > .program-label {
  font-size: 14px;
}
.explain-copy > p:not(.eyebrow) {
  font-size: 13px;
  line-height: 1.9;
  margin-top: 25px;
  max-width: 450px;
}
.explain-copy strong {
  font-weight: 600;
}
.editorial-callout {
  border-left: 2px solid var(--copper);
  padding-left: 20px;
  margin-top: 27px;
  max-width: 430px;
}
.editorial-callout > span {
  font-size: 8px;
  font-weight: 600;
  letter-spacing: 1.4px;
}
.editorial-callout > p {
  font-size: 11px;
  line-height: 1.8;
  margin-top: 9px;
}
.explain-copy > .text-link {
  margin-top: 22px;
}
.dscr-card {
  padding: 32px;
  background: #eeeee3;
  border: 1px solid var(--line);
}
.gauge {
  width: 225px;
  aspect-ratio: 1;
  margin: 12px auto 10px;
  border-radius: 50%;
  padding: 15px;
  background: conic-gradient(
    from 225deg,
    #b78561 0%,
    #6e8869 var(--coverage),
    #d4d9cb var(--coverage),
    #d4d9cb 100%
  );
  transform: rotate(0);
  position: relative;
  transition: background 0.4s;
}
.gauge::after {
  content: "";
  position: absolute;
  inset: 7px;
  border: 1px solid #f5f3e470;
  border-radius: 50%;
  pointer-events: none;
}
.gauge > div {
  width: 100%;
  height: 100%;
  border-radius: 50%;
  background: #eeeee3;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  text-align: center;
}
.gauge strong {
  display: block;
  width: 100%;
  font: 56px var(--serif);
  letter-spacing: -2px;
  color: var(--ink);
  line-height: 1.05;
  text-align: center;
}
.gauge strong > #dscr-multiplier {
  font-size: 27px;
}
.gauge > div > span {
  display: block;
  width: 100%;
  max-width: 12.5rem;
  padding-inline: 8px;
  font-size: clamp(12px, 0.95vw, 14px);
  letter-spacing: 0.045em;
  line-height: 1.4;
  margin-top: 8px;
  text-align: center;
}
.ratio-summary {
  font-size: 11px;
  text-align: center;
  margin-block: 15px 24px;
}
.ratio-formula {
  text-align: center;
  font-family: var(--serif);
  font-size: 22px;
  letter-spacing: -0.3px;
  padding: 20px 0 0;
}
.bank-section {
  background: #ece4d6;
}
.statement-card {
  padding: 30px;
  background: var(--white);
  border: 1px solid #d6cbb7;
  box-shadow: 0 18px 38px #755e4010;
}
.window-selector {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border: 1px solid var(--line);
  padding: 4px;
  gap: 4px;
  margin-top: 5px;
}
.window-selector button {
  background: transparent;
  border: 0;
  min-height: 42px;
  font-size: 12px;
  color: var(--ink);
}
.window-selector button[aria-pressed="true"] {
  background: var(--ink);
  color: var(--white);
}
.window-selector button:hover {
  background: #e8e7dc;
}
.window-selector button[aria-pressed="true"]:hover {
  background: #355548;
}
.statement-chart {
  display: flex;
  align-items: end;
  height: 168px;
  gap: 5px;
  margin: 30px 0 10px;
  border-bottom: 1px solid var(--line);
  background: repeating-linear-gradient(
    to top,
    transparent,
    transparent 39px,
    #e8e6dc 40px
  );
}
.statement-chart > span {
  height: var(--bar-height);
  background: #b07850;
  flex: 1;
  transition:
    opacity 0.5s,
    background 0.5s,
    transform 0.5s;
  transition-delay: var(--bar-delay);
  transform-origin: bottom;
}
.statement-chart > .earlier {
  opacity: 0.18;
  background: #6f8064;
}
.statement-chart.show-earlier > .earlier {
  opacity: 1;
}
.chart-axis {
  display: flex;
  justify-content: space-between;
  gap: 10px;
  font-size: 7px;
  letter-spacing: 1px;
  color: var(--muted);
}
.window-story {
  margin-top: 33px;
  min-height: 160px;
}
.window-story > .eyebrow {
  font-size: 8px;
  color: var(--copper);
}
.window-story h3 {
  font-size: 29px;
  margin-top: 12px;
}
.window-story p {
  font-size: 12px;
  line-height: 1.85;
  margin-top: 13px;
}
.statement-card .calculation-disclosure {
  border-top: 1px solid var(--line);
  padding-top: 18px;
}
.scenario-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 35px;
}
.story-card {
  display: flex;
  flex-direction: column;
}
.story-visual {
  height: 165px;
  margin-bottom: 26px;
  position: relative;
  background: #e9e4d6;
}
.story-visual svg {
  width: 100%;
  height: 100%;
  stroke: #7a8a75;
  stroke-width: 1;
  fill: none;
  padding: 15px 20px;
}
.story-visual > span {
  position: absolute;
  top: 15px;
  left: 17px;
  font-family: var(--serif);
  font-size: 15px;
  color: #76826e;
}
.story-rental {
  background: #e3e8df;
}
.story-business {
  background: #e9dfd1;
}
.story-card h3 {
  font-size: 30px;
  line-height: 1.2;
  margin-bottom: 20px;
}
.story-card > p:not(.tag) {
  font-size: 12px;
  line-height: 1.85;
  flex: 1;
}
.conversation {
  border-top: 1px solid var(--line);
  padding-top: 21px;
  margin-top: 24px;
}
.conversation > span {
  font-size: 7px;
  letter-spacing: 1.3px;
  color: var(--copper);
  font-weight: 600;
}
.conversation p {
  font: italic 19px/1.45 var(--serif);
  margin-top: 12px;
  letter-spacing: -0.25px;
  min-height: 83px;
}
.story-card .text-link {
  align-self: flex-start;
  font-size: 10px;
  margin-top: 15px;
}
.questions-section {
  border-top: 1px solid var(--line);
  background: #f0efe6;
}
.faq-layout {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 75px;
}
.faq-layout > div > .eyebrow {
  font-size: 8px;
  margin-bottom: 22px;
}
.faq-layout > div > p:not(.eyebrow) {
  font-size: 12px;
  line-height: 1.9;
  margin-top: 24px;
}
.faq-layout .text-link {
  margin-top: 22px;
}
.faqs details {
  border-bottom: 1px solid #cbd2c4;
}
.faqs details:first-child {
  border-top: 1px solid #cbd2c4;
}
summary {
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}
summary::-webkit-details-marker {
  display: none;
}
summary::after {
  content: "+";
  font: 22px var(--serif);
  color: var(--copper);
  flex-shrink: 0;
}
details[open] > summary::after {
  content: "−";
}
.faqs summary {
  font-size: 13px;
  padding: 22px 0;
  line-height: 1.6;
}
.faqs details p {
  font-size: 12px;
  line-height: 1.9;
  color: var(--muted);
  padding: 0 25px 22px 0;
}
.contact-section {
  background: var(--ink);
  color: #e7eadd;
  position: relative;
  overflow: hidden;
}
.contact-section::before {
  content: "";
  position: absolute;
  width: 480px;
  height: 480px;
  border: 1px solid #c0c8b315;
  transform: rotate(35deg);
  bottom: -270px;
  left: -70px;
  box-shadow:
    0 0 0 35px #c0c8b30b,
    0 0 0 70px #c0c8b306;
  pointer-events: none;
}
.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 110px;
  align-items: center;
  position: relative;
}
.contact-layout > div > .eyebrow {
  font-size: 9px;
  color: #c9cdbb;
  margin-bottom: 23px;
}
.contact-section h2 {
  color: var(--paper);
  font-size: clamp(43px, 4.2vw, 62px);
}
.contact-section h2 em {
  color: #d0ac87;
}
.contact-layout > div > p:not(.eyebrow) {
  font-size: 13px;
  line-height: 1.9;
  margin-top: 28px;
  max-width: 395px;
  color: #d1d9cb;
}
.contact-layout .contact-reminder {
  font-size: 10px !important;
  max-width: 375px !important;
  margin-top: 35px !important;
  color: #b7c6b7 !important;
}
.contact-card {
  padding: 35px;
  background: var(--paper);
  color: var(--ink);
}
.contact-card > .eyebrow {
  color: var(--ink) !important;
  margin-bottom: 21px !important;
}
.contact-card fieldset {
  margin: 0;
  padding: 0;
  border: 0;
  min-width: 0;
}
.contact-card input:not([type="checkbox"]),
.contact-card select,
.contact-card textarea {
  display: block;
  width: 100%;
  min-height: 46px;
  border: 1px solid #c2cabc;
  background: var(--white);
  padding: 10px 12px;
  color: var(--ink);
  font-size: 13px;
  border-radius: 0;
}
.contact-card label {
  margin-top: 14px;
}
.contact-card textarea { resize: vertical; min-height: 112px; font-family: var(--sans); line-height: 1.5; }
.lead-form-intro { font-size: 18px; line-height: 1.6; margin: 0 0 12px; }
.lead-form-note { font-size: 14px; line-height: 1.6; margin-top: 14px; color: var(--muted); }
.form-honeypot { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; }
.contact-card input:disabled,
.contact-card select:disabled {
  opacity: 0.65;
  background: #ecece2;
}
.contact-card .optional {
  font-weight: 400;
  color: var(--muted);
}
.contact-card .consent {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: 10px;
  font-weight: 400;
  line-height: 1.7;
  margin-block: 20px;
}
.consent input {
  margin: 3px 0 0;
  accent-color: var(--ink);
}
.consent a[href] {
  text-decoration: underline;
}
.contact-card .button {
  width: 100%;
  font-size: 11px;
}
.contact-card .button:disabled {
  opacity: 0.45;
  transform: none;
}
.notice {
  font-size: 11px;
  padding: 15px 17px;
  border: 1px solid #ceb69c;
  background: #ede4d4;
  line-height: 1.75;
}
.notice strong {
  font-weight: 600;
}
.notice p {
  margin-top: 5px;
}
.contact-links {
  display: flex;
  flex-direction: column;
  font-size: 13px;
  margin-top: 20px;
  gap: 8px;
}
.contact-links a {
  text-decoration: underline;
  text-underline-offset: 4px;
}
.button-light {
  border-color: #d8e0ce;
  background: #e7ebdc;
  color: var(--ink);
  margin-top: 25px;
}
.button-light:hover {
  background: #fff;
  color: var(--ink);
}
#contact-person {
  margin-top: 18px;
  font-family: var(--serif);
  font-size: 24px;
  color: var(--paper);
}
.broker-details {
  margin-top: 26px;
  padding-top: 20px;
  border-top: 1px solid #d8e0ce35;
}
.broker-details > .eyebrow {
  color: #c9cdbb;
}
.broker-title {
  margin-top: 5px;
  color: #d1d9cb;
  font-size: 14px;
}
.broker-details .contact-links {
  margin-top: 15px;
}
.broker-credentials,
.broker-details address {
  margin-top: 16px;
  color: #e7eadd;
  font-size: 13px;
  line-height: 1.7;
  font-style: normal;
  overflow-wrap: anywhere;
}
.broker-details address {
  white-space: pre-line;
}
.states-section {
  background: transparent;
  padding-block: 42px;
}
.states-section .eyebrow {
  color: var(--muted);
  margin-bottom: 10px;
}
.states-section h2 {
  margin-bottom: 20px;
}
.state-license-list {
  list-style: none;
  padding: 0;
  margin: 0;
  font-size: 14px;
  line-height: 1.8;
}
.state-license-list li {
  display: inline;
}
.state-license-list li + li::before {
  content: "; ";
  color: var(--muted);
}
.state-name {
  color: var(--ink);
  font-weight: 400;
}
.state-license {
  color: var(--muted);
  line-height: inherit;
  overflow-wrap: anywhere;
}
.state-license::before {
  content: " · ";
  white-space: pre;
}
.site-footer .brand {
  font-size: 18px;
  letter-spacing: 0.2px;
}
#contact-status {
  font-size: 12px;
  line-height: 1.8;
  margin-top: 16px;
}
#contact-status:empty {
  display: none;
}
.disclosures {
  padding-block: 45px 30px;
}
.disclosure-heading {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px 20px;
  border-bottom: 1px solid var(--line);
  padding-bottom: 14px;
  margin-bottom: 16px;
}
.disclosure-heading .eyebrow {
  margin: 0;
}
.disclosure-heading .equal-housing {
  color: var(--ink);
  font-size: 13px;
  font-weight: 650;
  letter-spacing: 0.025em;
  margin: 0;
}
.disclosures > p {
  font-size: 13px;
  color: var(--muted);
  line-height: 1.75;
  max-width: 970px;
  margin-bottom: 15px;
}
.disclosures > details {
  border-top: 1px solid var(--line);
}
.disclosures > details:last-child {
  border-bottom: 1px solid var(--line);
}
.disclosures summary {
  font-size: 11px;
  padding: 18px 0;
  justify-content: flex-start;
}
.disclosures summary span {
  font-size: 7px;
  letter-spacing: 1px;
  margin-left: auto;
  color: var(--muted);
}
.source-content {
  font-size: 11px;
  line-height: 1.85;
  padding-bottom: 25px;
  max-width: 1050px;
}
.source-content > p {
  margin-bottom: 20px;
}
.source-content ol {
  padding-left: 18px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px 50px;
}
.source-content li {
  padding-left: 5px;
}
.source-content li p {
  font-size: 10px;
  color: var(--muted);
  margin-top: 4px;
}
.source-content .method-note {
  padding-top: 20px;
  margin-top: 20px;
  border-top: 1px solid var(--line);
}
.method-note p {
  margin-top: 10px;
}
.configured-logo {
  max-width: 175px;
  max-height: 50px;
  object-fit: contain;
}
@media (min-width: 1600px) {
  .shell {
    width: min(1540px, calc(100% - 112px));
  }
  .hero {
    padding-block: 95px;
  }
  .hero-visual {
    margin-left: 25px;
  }
}
@media (max-width: 1100px) {
  .shell {
    width: calc(100% - 48px);
  }
  .hero {
    gap: 25px;
  }
  .hero h1 {
    font-size: 54px;
  }
  .hero-actions {
    gap: 12px;
  }
  .hero-actions .button {
    gap: 12px;
    padding-inline: 17px;
  }
  .hero-note {
    font-size: 7px;
  }
  .scenario-strip {
    grid-template-columns: 0.65fr 1fr 1.2fr 1.5fr;
  }
  .scenario-strip a {
    padding-inline: 15px;
    font-size: 10px;
  }
  .strategy-card {
    padding: 23px 22px 0;
  }
  .strategy-card h3 {
    font-size: 29px;
  }
  .visual-note p {
    font-size: 21px;
  }
}
@media (min-width: 901px) and (max-width: 1100px) {
  .strategy-grid,
  .scenario-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .strategy-card:last-child {
    width: calc(50% - 11px);
    grid-column: 1 / -1;
    justify-self: center;
  }
  .scenario-grid > .story-card:last-child {
    width: calc(50% - 12px);
    grid-column: 1 / -1;
    justify-self: center;
  }
}
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *,
  *::before,
  *::after {
    animation: none !important;
    transition: none !important;
    scroll-behavior: auto !important;
  }
  .drawing-frame img {
    transform: none !important;
  }
}
@media (max-width: 1100px) {
  .calculator-inputs,
  .calculator-results {
    padding: 25px;
  }
  .payment-timeline {
    gap: 15px;
  }
  .payment-year > strong {
    font-size: 26px;
  }
  .split-section {
    gap: 55px;
  }
  .contact-layout {
    gap: 65px;
  }
  .panel-heading {
    gap: 7px;
  }
  .panel-heading .eyebrow {
    font-size: 8px;
  }
  .pill {
    font-size: 6px;
    padding-inline: 5px;
  }
  .payoff-panel {
    gap: 25px;
  }
  .scenario-grid {
    gap: 24px;
  }
  .story-card h3 {
    font-size: 26px;
  }
  .faq-layout {
    gap: 40px;
  }
  .contact-card {
    padding: 27px;
  }
}
@media (max-width: 900px) {
  .calculator {
    grid-template-columns: 1fr;
  }
  .calculator-inputs {
    border-right: 0;
    border-bottom: 1px solid var(--line);
    display: grid;
    grid-template-columns: 1.4fr 1fr;
    gap: 0 25px;
  }
  .calculator-inputs > .panel-heading {
    grid-column: 1/-1;
    margin-bottom: 5px;
  }
  .calculator-inputs form {
    grid-row: 2/4;
  }
  .calculator-key {
    grid-column: 2;
  }
  .note-payment {
    align-self: start;
  }
  .payment-year > strong {
    font-size: 33px;
  }
  .split-section {
    gap: 35px;
  }
  .dscr-card,
  .statement-card {
    padding: 24px;
  }
  .payoff-panel {
    grid-template-columns: 1fr 1.1fr;
  }
  .payoff-value {
    grid-column: 1/-1;
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-left: 0;
    border-top: 1px solid var(--line);
    padding: 20px 0 0;
  }
  .payoff-value span {
    max-width: none;
  }
  .payoff-value strong {
    margin: 0;
  }
  .scenario-grid {
    gap: 20px;
  }
  .contact-layout {
    gap: 35px;
  }
  .contact-card .input-pair {
    grid-template-columns: 1fr;
    gap: 0;
  }
}
.gauge {
  transition: --coverage 0.55s ease;
}

/* Mobile and small tablets: readable type, touch targets, and a single-column flow. */
@media (max-width: 900px) {
  html {
    scroll-padding-top: 5.75rem;
  }
  body {
    font-size: 1.0625rem;
    line-height: 1.75;
  }
  .shell {
    width: calc(100% - 36px);
  }
  .section {
    padding-block: 4rem;
  }
  h2 {
    font-size: clamp(2.25rem, 7vw, 3.25rem);
    line-height: 1.14;
  }
  h3 {
    line-height: 1.18;
  }
  .section-heading,
  .hero,
  .split-section,
  .faq-layout,
  .contact-layout {
    min-width: 0;
  }
  .nav-row {
    position: relative;
    min-height: 72px;
    height: auto;
    padding-block: 10px;
    gap: 8px;
  }
  .nav-row > nav {
    display: none;
  }
  .brand {
    font-size: 1rem;
    letter-spacing: 0.1px;
    gap: 5px;
    flex-shrink: 0;
  }
  .brand svg {
    width: 24px;
    height: 24px;
  }
  .brand-caption {
    display: none;
  }
  .nav-row > .button {
    margin-left: auto;
    min-height: 44px;
    padding: 10px 12px;
    gap: 10px;
    font-size: 0.875rem;
    white-space: nowrap;
  }
  .mobile-menu {
    display: block;
    order: 3;
    flex-shrink: 0;
  }
  .mobile-menu > summary {
    width: 44px;
    min-height: 44px;
    justify-content: center;
    border: 1px solid var(--line);
  }
  .mobile-menu > summary::after {
    content: none;
  }
  .mobile-menu[open] > summary::after {
    content: none;
  }
  .mobile-menu svg {
    width: 22px;
    height: 22px;
    fill: none;
    stroke: var(--ink);
    stroke-width: 1.5;
  }
  .mobile-menu .menu-close-icon,
  .mobile-menu[open] .menu-open-icon {
    display: none;
  }
  .mobile-menu[open] .menu-close-icon {
    display: block;
  }
  .mobile-menu[open] > summary {
    background: #e9e9de;
  }
  .mobile-menu nav {
    display: flex;
    position: absolute;
    z-index: 2;
    top: calc(100% + 8px);
    right: 0;
    width: min(100%, 28rem);
    max-height: calc(100dvh - 100px);
    overflow-y: auto;
    overscroll-behavior: contain;
    flex-direction: column;
    gap: 0;
    background: var(--white);
    padding: 18px;
    border: 1px solid var(--line);
    box-shadow: 0 14px 32px #203c3520;
  }
  .mobile-menu nav > .eyebrow {
    padding: 4px 10px 14px;
  }
  .mobile-menu nav a {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    padding: 13px 10px;
    min-height: 50px;
    font-size: 1rem;
    line-height: 1.5;
    border-top: 1px solid var(--line);
  }
  .mobile-menu nav a span {
    color: var(--copper);
  }
  .configured-logo {
    max-width: 110px;
    max-height: 44px;
  }
  .button,
  .text-link,
  .story-card .text-link,
  .contact-card .button {
    font-size: 1rem;
    line-height: 1.5;
  }
  .button {
    min-height: 54px;
  }
  .text-link {
    min-height: 48px;
    gap: 12px;
  }
  .hero {
    grid-template-columns: 1fr;
    padding-block: 2.5rem;
    gap: 2rem;
  }
  .hero h1 {
    font-size: clamp(2.5rem, 10vw, 3.5rem);
    line-height: 1.1;
    letter-spacing: -0.04em;
  }
  .hero-intro {
    font-size: 1.125rem;
    line-height: 1.7;
    margin-top: 24px;
    max-width: 36rem;
  }
  .hero-actions {
    display: grid;
    grid-template-columns: 1fr;
    gap: 12px;
    margin-top: 24px;
    max-width: 34rem;
  }
  .hero-actions .text-link {
    justify-content: center;
    padding: 14px;
    border: 1px solid #bbc4b6;
  }
  .hero-note {
    margin-top: 22px;
    max-width: 27rem;
  }
  .hero-visual {
    max-width: 530px;
    width: 100%;
    margin-inline: auto;
    padding-bottom: 3rem;
  }
  .drawing-frame {
    max-height: 470px;
  }
  .drawing-label {
    left: 18px;
    right: 18px;
    bottom: 14px;
    line-height: 1.5;
  }
  .drawing-label i {
    flex-shrink: 0;
  }
  .visual-note {
    left: 10px;
    right: 10px;
    padding: 20px;
    gap: 14px;
  }
  .note-icon {
    flex-shrink: 0;
  }
  .visual-note p {
    font-size: 1.5rem;
    line-height: 1.2;
  }
  .visual-note p br {
    display: none;
  }
  .note-number {
    display: none;
  }
  .eyebrow,
  .hero-copy > .eyebrow,
  .section-heading .eyebrow,
  .explain-copy > .eyebrow,
  .faq-layout > div > .eyebrow,
  .contact-layout > div > .eyebrow,
  .panel-heading .eyebrow,
  .visual-note .eyebrow,
  .window-story > .eyebrow,
  .payoff-panel .eyebrow,
  .subsidy-total .eyebrow,
  .tag,
  .card-top,
  .hero-note,
  .drawing-label,
  .editorial-callout > span,
  .conversation > span {
    font-size: 0.8125rem;
    line-height: 1.65;
    letter-spacing: 0.075em;
  }
  .hero-copy > .eyebrow {
    align-items: baseline;
    margin-bottom: 22px;
  }
  .section-heading .program-label,
  .explain-copy > .program-label {
    font-size: 0.9375rem;
    letter-spacing: 0.06em;
  }
  .hero-copy > .eyebrow > span {
    flex-shrink: 0;
  }
  .scenario-strip {
    grid-template-columns: 1fr;
    padding-block: 10px;
  }
  .scenario-strip p {
    font-size: 1.375rem;
    padding: 12px 4px;
  }
  .scenario-strip a {
    border-left: 0;
    border-top: 1px solid var(--line);
    font-size: 1rem;
    line-height: 1.5;
    padding: 18px 4px;
    min-height: 58px;
  }
  .scenario-strip a span {
    flex-shrink: 0;
  }
  .section-heading {
    display: block;
    margin-bottom: 30px;
  }
  .section-heading > p {
    margin-top: 24px;
    max-width: 36rem;
  }
  .section-heading .eyebrow {
    margin-bottom: 18px;
  }
  .section-heading > p,
  .buydown-section .section-heading > p,
  .strategy-card > p:not(.tag),
  .strategy-card dd,
  .explain-copy > p:not(.eyebrow),
  .story-card > p:not(.tag),
  .faq-layout > div > p:not(.eyebrow),
  .faqs details p,
  .contact-layout > div > p:not(.eyebrow),
  .window-story p {
    font-size: 1.0625rem;
    line-height: 1.75;
    max-width: none;
  }
  .strategy-grid,
  .scenario-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }
  .strategy-card {
    padding: 24px 22px 0;
  }
  .strategy-card h3,
  .story-card h3 {
    font-size: 2.125rem;
    line-height: 1.18;
  }
  .strategy-card > p:not(.tag) {
    min-height: 0;
  }
  .card-art {
    height: 120px;
    margin-block: 12px 22px;
  }
  .card-top {
    gap: 14px;
  }
  .round-arrow {
    flex-shrink: 0;
  }
  .strategy-card dl {
    display: block;
    font-size: 1rem;
    margin-top: 24px;
  }
  .strategy-card dt {
    font-size: 0.9375rem;
    margin-bottom: 6px;
  }
  .strategy-card dd {
    margin: 0 0 20px;
  }
  .card-link {
    font-size: 1rem;
    line-height: 1.5;
    padding-block: 20px;
    gap: 14px;
  }
  .card-link > span {
    flex-shrink: 0;
  }
  .section-footnote,
  .input-hint,
  .calculation-disclosure,
  .field-error,
  .note-payment small,
  .note-payment > span,
  .calculator-key,
  .payoff-panel p:last-child,
  .payoff-value span,
  .range-labels,
  .editorial-callout > p,
  .ratio-summary,
  .contact-card .consent,
  .notice,
  #contact-status,
  .disclosures > p,
  .source-content,
  .source-content li p,
  .site-footer p,
  .site-footer > a:last-child,
  .subsidy-total p {
    font-size: 0.875rem;
    line-height: 1.7;
  }
  .input-hint {
    margin-top: 18px;
  }
  .panel-heading {
    flex-wrap: wrap;
    align-items: center;
    gap: 12px;
    margin-bottom: 24px;
  }
  .pill {
    font-size: 0.75rem;
    letter-spacing: 0.035em;
    padding: 6px 9px;
    white-space: normal;
  }
  .calculator {
    grid-template-columns: 1fr;
  }
  .calculator-inputs {
    display: block;
    padding: 24px 20px;
  }
  .calculator-inputs > .panel-heading {
    margin-bottom: 22px;
  }
  .calculator-results {
    padding: 24px 20px;
  }
  .calculator-results > .panel-heading {
    align-items: flex-start;
    flex-direction: column;
  }
  .reset-button {
    font-size: 0.875rem;
    padding: 10px 2px;
    min-height: 44px;
  }
  label,
  .dscr-card label,
  .payoff-control label {
    font-size: 0.9375rem;
    line-height: 1.6;
    margin-top: 20px;
  }
  .input-pair {
    gap: 14px;
  }
  .input-pair > div {
    min-width: 0;
  }
  .input-wrap {
    padding-inline: 12px;
    min-height: 56px;
    gap: 8px;
  }
  .input-wrap input {
    font-size: 1.5rem;
    padding-block: 12px;
  }
  .input-wrap > span {
    font-size: 0.875rem;
  }
  .note-payment {
    padding: 22px;
    margin-top: 24px;
  }
  .note-payment strong {
    font-size: 2.5rem;
    line-height: 1.25;
    overflow-wrap: anywhere;
  }
  .calculator-key {
    gap: 12px 20px;
  }
  .calculator-key i {
    width: 12px;
    height: 12px;
    flex-shrink: 0;
  }
  .payment-timeline {
    grid-template-columns: 1fr;
    gap: 0;
  }
  .payment-year {
    padding: 22px 0;
    border-bottom: 1px solid var(--line);
  }
  .payment-year:first-child {
    padding-top: 0;
  }
  .payment-year:last-child {
    border-bottom: 0;
  }
  .payment-year > p:first-child {
    font-size: 0.875rem;
    letter-spacing: 0.075em;
    margin-bottom: 9px;
  }
  .payment-year > strong {
    font-size: 2.375rem;
    line-height: 1.25;
    letter-spacing: -0.035em;
    overflow-wrap: anywhere;
  }
  .payment-year > span {
    font-size: 0.9375rem;
    line-height: 1.6;
    margin-top: 4px;
  }
  .payment-bar {
    height: 28px;
    margin-block: 18px 10px;
    border-top: 0;
    border-right: 1px dashed #958d79;
  }
  .payment-bar > div {
    height: 100% !important;
    width: var(--payment-share);
    transition: width 0.5s cubic-bezier(0.2, 0.7, 0.2, 1);
  }
  .year-caption {
    font-size: 0.875rem;
    line-height: 1.6;
    min-height: 0;
  }
  .subsidy-detail {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    gap: 16px;
    border-top: 0;
    padding-top: 8px;
    margin-top: 0;
    font-size: 0.875rem;
    line-height: 1.6;
  }
  .subsidy-detail b {
    font-size: 1.125rem;
    white-space: nowrap;
  }
  .subsidy-total {
    display: block;
    margin-top: 8px;
    padding-top: 22px;
  }
  .subsidy-total strong {
    display: block;
    margin-top: 10px;
    font-size: 2.25rem;
    white-space: normal;
    overflow-wrap: anywhere;
  }
  .empty-state {
    min-height: 240px;
    font-size: 1.5rem;
  }
  .payoff-panel {
    grid-template-columns: 1fr;
    gap: 24px;
    padding-top: 30px;
  }
  .payoff-panel h3 {
    font-size: 1.875rem;
  }
  .payoff-control label {
    gap: 20px;
    margin-top: 0;
  }
  .payoff-control output {
    font-size: 1.5rem;
    flex-shrink: 0;
  }
  input[type="range"] {
    min-height: 44px;
    margin-block: 4px;
  }
  .payoff-value {
    display: block;
    padding-top: 22px;
    border-left: 0;
  }
  .payoff-value span {
    max-width: none;
  }
  .payoff-value strong {
    font-size: 2.5rem;
    margin-top: 8px;
    white-space: normal;
    overflow-wrap: anywhere;
  }
  .split-section,
  .faq-layout,
  .contact-layout {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .explain-copy > .eyebrow {
    margin-bottom: 18px;
  }
  .editorial-callout {
    max-width: none;
    padding-left: 18px;
  }
  .dscr-card,
  .statement-card {
    padding: 24px 20px;
  }
  .dscr-card .input-pair {
    grid-template-columns: 1fr;
    gap: 0;
  }
  .gauge {
    width: min(100%, 245px);
  }
  .gauge > div {
    text-align: center;
  }
  .gauge strong {
    display: flex;
    align-items: baseline;
    justify-content: center;
    width: 100%;
    text-align: center;
  }
  .gauge > div > span {
    display: block;
    width: 100%;
    max-width: 12.5rem;
    font-size: 0.75rem;
    letter-spacing: 0.035em;
    text-align: center;
    padding-inline: 8px;
    line-height: 1.4;
  }
  .gauge strong {
    font-size: 3.5rem;
  }
  .ratio-formula {
    font-size: 1.375rem;
    line-height: 1.5;
    overflow-wrap: anywhere;
  }
  .bank-section .statement-card {
    order: 2;
  }
  .window-selector button {
    min-height: 48px;
    font-size: 1rem;
  }
  .statement-chart {
    gap: 4px;
  }
  .chart-axis {
    font-size: 0.75rem;
    line-height: 1.6;
    gap: 24px;
    letter-spacing: 0.035em;
  }
  .chart-axis span {
    flex: 1;
  }
  .chart-axis span:last-child {
    text-align: right;
  }
  .window-story {
    min-height: 0;
    margin-top: 26px;
  }
  .window-story h3 {
    font-size: 1.875rem;
  }
  .scenario-grid {
    gap: 42px;
  }
  .story-visual {
    height: 155px;
  }
  .conversation p {
    font-size: 1.5rem;
    line-height: 1.5;
    min-height: 0;
  }
  .faqs summary {
    font-size: 1rem;
    line-height: 1.6;
    min-height: 64px;
    padding-block: 20px;
  }
  .faqs details p {
    padding-right: 0;
  }
  .contact-section h2 {
    font-size: clamp(2.5rem, 8vw, 3.5rem);
    line-height: 1.12;
  }
  .contact-layout .contact-reminder {
    font-size: 0.875rem !important;
    line-height: 1.7;
    max-width: none !important;
    margin-top: 24px !important;
  }
  .contact-card {
    padding: 24px 20px;
  }
  .contact-card .input-pair {
    grid-template-columns: 1fr;
    gap: 0;
  }
  .contact-card input:not([type="checkbox"]),
  .contact-card select {
    font-size: 1rem;
    min-height: 54px;
    line-height: 1.5;
    padding: 12px;
  }
  .contact-card .consent {
    gap: 12px;
  }
  .consent input {
    width: 22px;
    height: 22px;
    flex-shrink: 0;
  }
  .contact-links {
    font-size: 1rem;
    overflow-wrap: anywhere;
  }
  .contact-links a {
    padding-block: 6px;
  }
  .broker-details {
    margin-top: 24px;
    padding-top: 20px;
  }
  .broker-title,
  .broker-credentials,
  .broker-details address {
    font-size: 1rem;
    line-height: 1.65;
  }
  .states-section {
    padding-block: 32px;
  }
  .states-section h2 {
    font-size: clamp(1.375rem, 5.5vw, 1.6rem);
    line-height: 1.2;
    margin-bottom: 10px;
  }
  .state-license-list {
    font-size: 0.9375rem;
    line-height: 1.7;
  }
  .disclosures {
    padding-block: 32px 24px;
  }
  .disclosures summary {
    font-size: 0.9375rem;
    line-height: 1.6;
    gap: 12px;
    flex-wrap: wrap;
    min-height: 64px;
  }
  .disclosures summary::after {
    margin-left: auto;
  }
  .disclosures summary span {
    font-size: 0.75rem;
    line-height: 1.5;
    letter-spacing: 0.025em;
    margin-left: 0;
  }
  .source-content ol {
    grid-template-columns: 1fr;
    gap: 20px;
  }
  .source-content {
    overflow-wrap: anywhere;
  }
  .site-footer {
    flex-wrap: wrap;
    padding-bottom: max(28px, env(safe-area-inset-bottom));
  }
  .site-footer p {
    order: 3;
    width: 100%;
  }
  .site-footer > a:last-child {
    min-height: 44px;
    display: flex;
    align-items: center;
  }
}

@media (max-width: 370px) {
  .nav-row {
    gap: 6px;
  }
  .nav-row > .button {
    padding-inline: 10px;
    flex-shrink: 0;
  }
  .nav-row > .brand {
    font-size: 0.9375rem;
    letter-spacing: 0.2px;
    gap: 4px;
  }
  .nav-row > .brand svg {
    width: 20px;
    height: 20px;
  }
  .nav-row > .button {
    padding-inline: 8px;
    font-size: 0.75rem;
    gap: 6px;
  }
  .nav-row > .button > span {
    display: none;
  }
  .nav-row > .mobile-menu > summary {
    width: 44px;
    height: 44px;
  }
  .input-pair {
    grid-template-columns: 1fr;
    gap: 0;
  }
  .visual-note {
    padding: 18px;
  }
  .visual-note .note-icon {
    display: none;
  }
  .contact-card .button {
    gap: 10px;
    padding-inline: 12px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .gauge {
    transition: none;
  }
}