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#0000001f;z-index:1}.contact-icons{display:flex;align-items:center;justify-content:center;gap:6.9rem;margin-top:1.5rem}.contact-icon{font-size:6.9rem;color:#fff;text-decoration:none;transition:all .2s ease;opacity:.95;line-height:1}.contact-icon:hover{transform:scale(1.25);opacity:1;color:#e5e7eb}.hero-container,.hero-content,.hero-image-wrapper,.hero-image,.hero-btn{position:relative;z-index:2}.section{padding:100px 24px;max-width:1400px;margin:0 auto}.section h2{text-align:center;font-size:2.5rem;margin-bottom:48px;color:#1e40af}.experience-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(340px,1fr));gap:32px;max-width:1400px;margin:0 auto;justify-content:center}.experience-item{background:#fff;padding:32px;border-radius:12px;box-shadow:0 4px 20px #0000000f;display:flex;flex-direction:column}.experience-item h3{font-size:1.5rem;margin-bottom:8px;color:#1e40af}.dates{color:#6b7280;font-size:.95rem;margin-bottom:16px;display:block}.resources-bar{width:100vw;max-width:none;margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw);margin-top:-100px;background:#1d4ed8;color:#fff;padding:0 24px;position:relative;z-index:10;overflow:visible}.resources-grid{display:grid;grid-template-columns:repeat(4,1fr);max-width:1400px;width:100%;gap:24px;margin:0 auto}.resource-card{background:#fff;border-radius:16px;box-shadow:0 6px 20px #0000001f;transition:all .25s ease;display:flex;align-items:center;justify-content:center;text-decoration:none;color:inherit;height:200px;margin-top:-20px;margin-bottom:-20px}.resource-card:hover{transform:translateY(-12px) scale(1.05);box-shadow:0 20px 48px #00000038}.resource-item{display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:12px 16px;width:100%;height:100%;color:#1f2937}.resource-item 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.icon{font-size:3.2rem}.resource-item span{font-size:1.08rem}}@media(max-width:480px){.resources-grid{grid-template-columns:1fr}.resource-card{height:170px;margin-top:-20px;margin-bottom:-20px}}.about-full-page{min-height:100vh;display:flex;flex-direction:column}.about-content{flex:1;padding:2rem 1rem 4rem}.section-container{max-width:1100px;margin:0 auto;padding:0 1.5rem}.about-hero{background:#f0f7ff;padding:100px 24px 80px;text-align:center}.about-hero h1{font-size:3.2rem;margin-bottom:1rem;color:#1e40af}.about-hero .lead{font-size:1.35rem;color:#374151;max-width:700px;margin:0 auto}.footer-links{display:flex;justify-content:center;gap:24px;margin:16px 0 8px;font-size:1rem}.footer-links a{color:#60a5fa;text-decoration:none;font-weight:500;transition:color .2s}.footer-links a:hover{color:#93c5fd;text-decoration:underline}.concerns-section{background:#f8fafc;padding:5rem 1rem 6rem}.section-intro{text-align:center;max-width:720px;margin:0 auto 3.5rem;font-size:1.2rem;color:#4b5563}.flip-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:48px;max-width:1200px;margin:0 auto}.flip-card{perspective:1400px;height:440px;border-radius:20px;cursor:pointer;transition:transform .2s ease,box-shadow .2s ease}.flip-card:hover{transform:translateY(-8px) scale(1.02);box-shadow:0 25px 60px #00000024}.flip-card-inner{position:relative;width:100%;height:100%;transition:transform .9s cubic-bezier(.34,1.56,.64,1);transform-style:preserve-3d;border-radius:20px;box-shadow:0 16px 48px #0000001f}.flip-card.flipped .flip-card-inner{transform:rotateY(180deg)}.flip-card-front,.flip-card-back{position:absolute;inset:0;backface-visibility:hidden;border-radius:20px;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:44px 36px;text-align:center;overflow:hidden}.flip-card-front{background:#f0f4ff;border:2px solid #dbe4ff;box-shadow:0 12px 32px #00000014,inset 0 1px #ffffffe6}.flip-card-back{transform:rotateY(180deg);background:linear-gradient(135deg,#1e40af,#2563eb);color:#fff;box-shadow:0 20px 60px #1d4ed866}.emoji{font-size:6.2rem;margin-bottom:28px;line-height:1}.flip-card-front h3{font-size:2rem;margin:0 0 20px;color:#1e40af;line-height:1.2}.flip-hint{margin-top:28px;font-size:1.05rem;color:#6b7280;font-style:italic;opacity:.9}.flip-card-back p{font-size:1.25rem;line-height:1.65;margin-bottom:36px;max-width:92%}.flip-cta{background:#fff;color:#1d4ed8;border:none;padding:14px 36px;font-size:1.15rem;font-weight:600;border-radius:9999px;cursor:pointer;transition:all .25s ease}.flip-cta:hover{transform:translateY(-4px);box-shadow:0 16px 40px #00000047}@media(max-width:980px){.flip-grid{grid-template-columns:1fr;gap:56px}.flip-card{height:420px}.emoji{font-size:5.8rem}.nav-right{display:flex;align-items:center;gap:32px}@media(min-width:769px){.nav-right{gap:40px}.nav-link{padding:8px 16px}}}@media(max-width:1024px){.app-container,.calculators-full-page,.about-full-page,main{padding-left:12px;padding-right:12px}.navbar{padding:14px 0}.nav-content{padding:0 16px}.logo{text-align:center;margin-bottom:16px}.logo h1{font-size:clamp(2.2rem,7vw,3.6rem);font-weight:800;color:#1d4ed8}.logo p{font-size:clamp(1rem,4vw,1.4rem)}}@media(max-width:768px){:root{font-size:15px}body{line-height:1.55}h1,h2{line-height:1.2}h2{font-size:1.8rem}.navbar{position:relative;display:block;height:auto;min-height:0;padding:0;margin:0;background:transparent;box-shadow:none}.nav-content{display:block;height:auto;min-height:0;margin:0;padding:0}.nav-right{position:static;display:block;width:100%;margin:0;padding:0}.logo-container{position:fixed;top:0;left:0;right:0;z-index:1002;background:#fff;padding:10px 16px;box-shadow:0 2px 8px #0000001a;text-align:center;height:auto;min-height:0}.logo h1{font-size:clamp(1.8rem,6vw,2.3rem);margin:0;line-height:1.15}.logo p{font-size:clamp(.85rem,3.4vw,.98rem);margin:3px 0 0;color:#4b5563}.nav-links-mobile{display:flex;flex-direction:column;align-items:center;position:relative;flex:none;margin-top:90px;margin-bottom:0;padding:16px 16px 8px;min-height:0;height:auto;width:100%;box-sizing:border-box}.nav-links-desktop{display:none!important}.nav-links-row{display:flex;flex-direction:row;justify-content:space-between;width:100%;max-width:420px;margin:0 auto 16px;gap:12px}.nav-link{flex:1;display:flex;align-items:center;justify-content:center;background:#f0f4ff;border:1px solid #dbe4ff;border-radius:10px;padding:14px 10px;font-size:1.05rem;font-weight:600;color:#1f2937;text-decoration:none;text-align:center;min-height:52px}.contact-btn{display:block;width:100%;max-width:340px;margin:0 auto;padding:14px 28px;font-size:1.15rem;background:#1d4ed8;color:#fff;border-radius:9999px}main{margin:10px 0 0;padding-top:0;padding-left:0;padding-right:0;width:100%;max-width:100%;overflow-x:hidden}.hero{margin-top:0;padding-top:10px;overflow:visible}.hero-container{width:100vw;max-width:100vw;align-items:center;text-align:center;margin-left:calc(-50vw + 50%);padding-left:0;padding-right:0}.hero-image-wrapper,.hero-image{max-width:100%;width:100%;margin-left:0;margin-right:auto;margin-top:0}.hero-image{transform:translate(-10%)!important}html,body,.app-container,*{max-width:100vw;overflow-x:hidden;box-sizing:border-box}.hero:after{display:none!important}.hero-content-header{background:#fff;text-align:center;padding:2rem 1.5rem;position:relative;z-index:2}.hero-content-header:before{content:"";position:absolute;inset:0 -9999px;background:#fff;z-index:1}.hero-content-header h2{position:relative;z-index:5;margin:.4rem 0;color:#1e40af!important}.hero-content-paragraph{max-width:100vw;margin-top:15px;margin-left:10px;margin-right:30px}.contact-icons{display:flex;gap:40px;margin-top:20px;margin-bottom:60px}.contact-icons a{font-size:69px}.hero-content{padding-top:.5rem;margin-top:-160px}.resources-grid{gap:69px;overflow:visible}.resources-bar{padding-top:40px;padding-bottom:40px}.resource-card{padding-top:20px}.flip-card{perspective:none!important;-webkit-perspective:none!important}.flip-card-inner{transform-style:preserve-3d!important;-webkit-transform-style:preserve-3d!important;backface-visibility:hidden!important;-webkit-backface-visibility:hidden!important;position:relative}.flip-card-front,.flip-card-back{backface-visibility:hidden!important;-webkit-backface-visibility:hidden!important}.flip-card,.flip-card-inner,.flip-grid{overflow:visible!important}}@media(max-width:480px){.logo h1{font-size:1.4rem}h2{font-size:1.65rem}}@media(max-width:380px){.nav-links-row{flex-wrap:wrap;gap:12px}.nav-link{flex:1 1 45%;font-size:.98rem;padding:12px 6px}}.apr-calculator{max-width:720px;margin:0 auto}.calculate-btn{width:100%;max-width:360px;margin:0 auto;padding:1.05rem;font-size:1.2rem;font-weight:600;color:#fff;background-color:#1d4ed8;border:none;border-radius:10px;cursor:pointer;transition:background-color .2s ease;display:block}.result{margin-top:2.4rem;padding:1.4rem;background-color:#f0f9ff;border-radius:10px;text-align:center;font-size:1.5rem;font-weight:600;color:#1e40af;border:1px solid #bfdbfe}@media(max-width:768px){.form-grid{grid-template-columns:1fr;gap:1.5rem}.calculate-btn{max-width:100%}}.amortization-calculator{max-width:1150px;margin:0 auto;padding:0 1rem}.amort-grid{display:grid;grid-template-columns:repeat(3,minmax(280px,340px));grid-template-rows:auto auto;gap:1.8rem 2rem;margin-bottom:2.4rem;justify-content:center}.input-group input,.input-group select.select-input{width:100%;max-width:280px;margin:0 auto;padding:.8rem 1rem;font-size:1.15rem;font-weight:500;color:#111827;background-color:#fff;border:2px solid #cbd5e1;border-radius:8px;text-align:center;transition:border-color .15s ease,box-shadow .15s ease;box-sizing:border-box}.input-group select.select-input{text-align-last:center;background-image:url("data:image/svg+xml;charset=UTF-8,%3csvg width='12' height='12' viewBox='0 0 12 12' fill='none' xmlns='http://www.w3.org/2000/svg'%3e%3cpath d='M2 4L6 8L10 4' stroke='%234B5563' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3e%3c/svg%3e");background-repeat:no-repeat;background-position:right 1rem center;background-size:12px;padding-right:2.5rem;appearance:none}.input-group input:focus,.input-group select.select-input:focus{outline:none;border-color:#1d4ed8;box-shadow:0 0 0 3px #1d4ed81f}.schedule-table{margin-top:2.5rem}.table-title{font-size:1.35rem;color:#1d4ed8;margin-bottom:1.2rem;text-align:center}table{width:100%;max-width:1000px;margin:0 auto 1.2rem;border-collapse:collapse;background:#fff;border-radius:8px;overflow:hidden;box-shadow:0 2px 8px #0000000f}th,td{border:1px solid #e5e7eb;padding:.9rem .8rem;text-align:right;font-size:.97rem}th{background-color:#f3f4f6;color:#374151;font-weight:600;text-align:center}td{color:#111827}tr:hover{background-color:#f9fafb}.table-note{text-align:center;font-size:.92rem;color:#6b7280;margin-top:1.2rem;font-style:italic}@media(max-width:1100px){.amort-grid{grid-template-columns:repeat(2,minmax(280px,1fr));gap:1.6rem 1.8rem}}@media(max-width:768px){.amort-grid{grid-template-columns:1fr;gap:1.4rem}.amortization-calculator{max-width:100%;padding:0 .8rem}.input-group input,.input-group select.select-input{font-size:1.05rem;padding:.7rem .9rem}.calculate-btn{max-width:100%}.schedule-table{overflow-x:auto;display:block}table{min-width:600px}th,td{padding:.7rem .6rem;font-size:.9rem}.table-title{font-size:1.2rem}.table-note{font-size:.85rem}}@media(max-width:480px){.input-group label{font-size:1rem}}.mortgage-payment-calculator{max-width:1150px;margin:0 auto;padding:0 1rem}.payment-grid{display:grid;grid-template-columns:repeat(3,minmax(280px,340px));gap:1.8rem 2rem;margin-bottom:2.4rem;justify-content:center}.result{max-width:500px;margin:0 auto;padding:1.4rem;background-color:#f0f9ff;border-radius:10px;text-align:center;font-size:1.4rem;font-weight:600;color:#1e40af;border:1px solid #bfdbfe}.result strong{color:#111827;display:block;margin-bottom:.4rem}@media(max-width:1100px){.payment-grid{grid-template-columns:repeat(2,minmax(280px,1fr));gap:1.6rem 1.8rem}}@media(max-width:700px){.payment-grid{grid-template-columns:1fr;gap:1.4rem}.mortgage-payment-calculator{max-width:100%;padding:0 .8rem}}.marginal-breakeven-calculator{max-width:1150px;margin:0 auto;padding:0 1rem}.breakeven-grid{display:grid;grid-template-columns:repeat(3,minmax(280px,340px));grid-template-rows:repeat(3,auto);gap:1.8rem 2rem;margin-bottom:2.4rem;justify-content:center}.input-group{display:flex;flex-direction:column;gap:.5rem;max-width:340px;width:100%}.input-group label{font-weight:500;color:#1d4ed8;font-size:1.05rem;text-align:center}.input-group input{width:100%;max-width:280px;margin:0 auto;padding:.8rem 1rem;font-size:1.15rem;font-weight:500;color:#111827;background-color:#fff;border:2px solid #cbd5e1;border-radius:8px;text-align:center;transition:border-color .15s ease,box-shadow .15s ease;box-sizing:border-box}.input-wrapper{position:relative;width:100%;max-width:280px;margin:0 auto}.input-wrapper input{padding-right:3.2rem}.input-suffix{position:absolute;right:1rem;top:50%;transform:translateY(-50%);color:#4b5563;font-size:1.15rem;font-weight:500;pointer-events:none}.center-vs{display:flex;align-items:center;justify-content:center}.vs-circle{width:80px;height:80px;border-radius:50%;background:#f3f4f6;border:2px solid #cbd5e1;display:flex;align-items:center;justify-content:center;font-size:1.5rem;font-weight:600;color:#4b5563}.empty-cell{visibility:hidden}.calculate-btn{width:100%;max-width:340px;margin:0 auto 2.5rem;padding:1rem;font-size:1.2rem;font-weight:600;color:#fff;background-color:#1d4ed8;border:none;border-radius:10px;cursor:pointer;transition:background-color .2s ease;display:block}.result{max-width:700px;margin:0 auto;padding:1.6rem;background-color:#f0f9ff;border-radius:10px;text-align:center;font-size:1.3rem;color:#1e40af;border:1px solid #bfdbfe}.result strong{color:#111827;font-size:1.45rem}.result .years{font-weight:400;color:#4b5563}.result .detail{margin-top:1rem;font-size:1.1rem;color:#374151}.result.error{background-color:#fef3f2;color:#991b1b;border-color:#fecaca}.result.info{background-color:#ecfdf5;color:#065f46;border-color:#a7f3d0}.result .advice{margin-top:1.2rem;padding-top:1rem;border-top:1px solid #bfdbfe;font-size:1.05rem;line-height:1.5;color:#374151}@media(max-width:1100px){.breakeven-grid{grid-template-columns:repeat(2,minmax(280px,1fr));gap:1.6rem 1.8rem}.center-vs{display:none}}@media(max-width:768px){.breakeven-grid{grid-template-columns:1fr;gap:1.4rem}.marginal-breakeven-calculator{max-width:100%;padding:0 .8rem}.input-group input{font-size:1.05rem;padding:.7rem .9rem}.calculate-btn{max-width:100%}.result{font-size:1.2rem;padding:1.4rem}.result strong{font-size:1.35rem}.result .advice{font-size:1rem}}@media(max-width:480px){.input-group label{font-size:1rem}.vs-circle{width:60px;height:60px;font-size:1.2rem}}.advertised-apr-costs-calculator{max-width:720px;margin:0 auto}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.8rem 2.2rem;margin-bottom:2.2rem}.input-group{display:flex;flex-direction:column;gap:.5rem}.input-group label{font-weight:500;color:#1d4ed8;font-size:1.05rem}.input-group input{width:100%;padding:.9rem 1rem;font-size:1.2rem;font-weight:500;color:#111827;background-color:#fff;border:2px solid #cbd5e1;border-radius:8px;text-align:center;transition:border-color .15s ease,box-shadow .15s ease}.input-group input:focus{outline:none;border-color:#1d4ed8;box-shadow:0 0 0 3px #1d4ed81f}.input-group input::placeholder{color:#9ca3af;font-weight:400;text-align:center}.input-wrapper{position:relative}.input-wrapper input{padding-right:3.4rem}.input-suffix{position:absolute;right:1rem;top:50%;transform:translateY(-50%);color:#4b5563;font-size:1.18rem;font-weight:500;pointer-events:none}.calculate-btn{width:100%;max-width:360px;margin:0 auto 2rem;padding:1.05rem;font-size:1.2rem;font-weight:600;color:#fff;background-color:#1d4ed8;border:none;border-radius:10px;cursor:pointer;transition:background-color .2s ease;display:block}.calculate-btn:hover{background-color:#1e40af}.result{margin-top:1.5rem;padding:1.6rem;background-color:#f0f9ff;border-radius:10px;border:1px solid #bfdbfe;font-size:1.1rem;line-height:1.6;color:#1e40af}.result p{margin:0 0 1rem}.result strong{color:#111827}.small-note{font-size:.95rem;color:#4b5563;margin-top:1.2rem;font-style:italic}:root{--primary-blue: #1d4ed8;--primary-blue-dark: #1e40af;--text-dark: #1f2937;--text-muted: #4b5563;--bg-light: #f9fafb;--border: #d1d5db;--shadow-sm: 0 2px 10px rgba(0, 0, 0, .06);--shadow-md: 0 4px 20px rgba(0, 0, 0, .08)}.calculators-section{max-width:1200px;margin:0 auto;padding:2.5rem 1rem 4rem}.header-wrapper{text-align:center;margin-bottom:1.5rem}.page-title{margin:0;color:var(--primary-blue);font-size:2.5rem;font-weight:700;line-height:1.15}.selected-name{font-size:1.8rem;font-weight:500;color:var(--text-muted)}.description-wrapper{max-width:720px;margin:0 auto 2.5rem;text-align:left}.calculator-description{margin:0;color:var(--text-muted);font-size:1.08rem;line-height:1.6}.calculator-selector{margin:2rem 0 3rem;text-align:center}.calculator-dropdown{width:100%;max-width:520px;padding:1rem 1.5rem;font-size:1.12rem;font-weight:500;color:var(--text-dark);background:#fff;border:2px solid var(--border);border-radius:10px;box-shadow:var(--shadow-sm);cursor:pointer;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' fill='none' viewBox='0 0 14 14'%3E%3Cpath stroke='%231d4ed8' stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='m2 5 5 5 5-5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 1.4rem center;background-size:14px;transition:all .15s ease}.calculator-dropdown:hover{border-color:var(--primary-blue)}.calculator-dropdown:focus{outline:none;border-color:var(--primary-blue);box-shadow:0 0 0 4px #1d4ed826}.calculator-content{background:#fff;padding:2.25rem;border-radius:12px;border:1px solid #e5e7eb;box-shadow:var(--shadow-md)}@media(max-width:640px){.calculators-section{padding:2rem 1rem 3.5rem}.page-title{font-size:2.1rem}.selected-name{font-size:1.55rem;display:block;margin-top:.4rem}.calculator-dropdown{font-size:1.05rem;padding:.95rem 1.2rem}.calculator-content{padding:1.75rem 1.25rem}}@media(max-width:768px){.calculators-section{padding:1.5rem .8rem}.page-title{font-size:2.1rem;line-height:1.15}.selected-name{font-size:1.5rem;display:block;margin-top:.5rem}.calculator-dropdown{font-size:1.05rem;padding:.9rem 1.1rem;max-width:100%}.calculator-content{padding:1.5rem 1rem;border-radius:10px}.description-wrapper{margin:0 auto 1.8rem}.calculator-description{font-size:1.02rem}}@media(max-width:480px){.page-title{font-size:1.9rem}.calculator-dropdown{font-size:1rem}}.calculators-full-page{min-height:100vh;display:flex;flex-direction:column;width:100%}.navbar-spacer{height:max(15vh,100px);flex-shrink:0}.calculators-content{flex:1;width:100%;padding:2rem 1rem 4rem}.calculators-section{width:100%;max-width:1200px;margin:0 auto}:root{font-family:system-ui,Avenir,Helvetica,Arial,sans-serif;line-height:1.5;font-weight:400;color:#213547;background-color:#fff;font-synthesis:none;text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}body{margin:0;min-width:320px;min-height:100vh}.purchase-full-page{min-height:100vh;display:flex;flex-direction:column;width:100%}.purchase-content{flex:1;width:100%}.purchase-hero{background-color:#e7f1fe;padding:60px 0;margin-top:0}@media(max-width:768px){.purchase-hero{padding:40px 16px}.overview-grid{grid-template-columns:1fr}}.purchase-hero:after{display:none!important}.refinance-full-page{min-height:100vh;display:flex;flex-direction:column;width:100%}.refinance-content{flex:1;width:100%}.refinance-hero{background-color:#e7f1fe;margin-top:0;padding:60px 0}.overview-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:32px;margin-top:32px}.overview-item{background:#f8fafc;padding:24px;border-radius:16px;text-align:center;box-shadow:0 4px 12px #0000000d}.overview-item .icon{font-size:3rem;margin-bottom:16px}.detail-item{margin-bottom:48px;padding:24px;background:#f0f7ff;border-radius:16px}.tips-section{background:#f8fafc;padding:4rem 1rem}.tips-list{list-style-type:disc;padding-left:24px;font-size:1.1rem;line-height:1.7}.cta-section{text-align:center;padding:4rem 1rem;background:#e7f1fe}.refinance-hero:after{display:none!important}@media(max-width:768px){.refinance-hero{padding:40px 16px}.overview-grid{grid-template-columns:1fr}}