:root{--navy:#102c40;--blue:#176987;--cream:#f7f5f0;--ink:#173449;--muted:#526573;--line:#d4ddd8;--gold:#b89560;--pale:#e7efeb}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:95px}body{margin:0;background:var(--cream);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.65}a{color:inherit;text-decoration:none}a:hover{text-decoration:underline;text-underline-offset:4px}button,select,input{font:inherit}button,a,select,input,summary{touch-action:manipulation}a:focus-visible,button:focus-visible,select:focus-visible,input:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid 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p{font-size:14px;color:var(--muted);margin:0 0 20px}.num{font-size:9px;font-weight:700;letter-spacing:1.6px;color:var(--blue);margin-bottom:30px}.option-link{font-size:12px;font-weight:600;margin-top:auto;padding-top:12px;display:flex;justify-content:space-between;align-items:center;gap:15px}.unsure{background:var(--navy);color:#fff}.unsure:hover{background:#173b51}.unsure .num,.unsure p{color:#c5d8e2}.comparison{background:var(--pale)}.table-scroll{overflow-x:auto}table{width:100%;border-collapse:collapse;font-size:13px;text-align:left}th,td{padding:21px 19px;border-bottom:1px solid #c9d6d0;vertical-align:top}thead th{background:var(--navy);color:white;font-weight:500}tbody th{font-weight:600;width:22%}td{width:26%;color:#485c66}.fine{font-size:12px;line-height:1.75;color:var(--muted)}.comparison .fine{max-width:890px;margin:22px 0}.print{border:0;background:transparent;color:var(--ink);padding:16px 25px;cursor:pointer;font-size:13px}.split{display:grid;grid-template-columns:1fr 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@media(min-width:1450px){.hero{padding-top:95px;padding-bottom:85px}}
@media(max-width:1000px){.wrap{padding-left:30px;padding-right:30px}.hero{gap:32px}.portrait{height:460px}.portrait>img{height:405px}.portrait-label{font-size:7px}.goal-card{padding:24px}.split{gap:45px}.guide-layout{gap:40px}.footer-identity{grid-template-columns:1fr 1.3fr}.footer-housing{grid-column:1/-1;justify-self:start}.process-grid{gap:28px}.band-inner{gap:20px;font-size:11px}}
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@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{header,.hero,.path-band,#options,#about,#start,.faq,footer,.comparison .button,.print,.process,.resource-note,.mobile-contact,.guide-hero,.guide-layout,.guide-cta,.related{display:none}.comparison{background:white;padding:0}body{background:white}.wrap{padding:0}table{min-width:0;font-size:11px}th,td{padding:12px}h2{font-size:30px}.print-identity{display:block;font-size:10px;line-height:1.6;margin-top:24px}.table-scroll{overflow:visible}}

/* Prominent application actions and customer reviews. */
.header-inner{gap:22px}.site-header nav{gap:22px;margin-left:auto}.header-apply{display:inline-flex;align-items:center;justify-content:center;gap:20px;flex-shrink:0;background:#d9ba83;color:#102c40;border:1px solid #d9ba83;border-radius:3px;padding:12px 18px;font-size:13px;font-weight:700;min-height:46px}.header-apply:hover{background:#ebce9d;border-color:#ebce9d;text-decoration:none}.application{display:flex;align-items:center;justify-content:space-between;gap:18px;background:var(--navy);color:white;border:1px solid var(--navy);border-radius:3px;padding:18px 20px;margin-top:24px;font-size:15px;font-weight:700;line-height:1.5;box-shadow:0 4px 12px #102c4012}.application:hover{background:#224b65;text-decoration:none}.reviews-callout{margin-top:30px;padding:25px 28px;border-left:3px solid var(--gold);background:#eeeae1}.reviews-callout .eyebrow{margin-bottom:12px}.reviews-callout h3{font-size:27px;margin-bottom:12px}.reviews-callout p:not(.eyebrow){font-size:14px;color:var(--muted);margin:0 0 16px}.reviews-callout a{display:inline-block}
@media(min-width:761px) and (max-width:1050px){.site-header .header-inner{gap:14px;padding-left:22px;padding-right:22px}.site-header .logo{width:145px}.site-header nav{gap:14px;font-size:12px}.site-header .nav-cta{padding:10px 12px}.header-apply{padding:11px 13px;font-size:12px;gap:12px}}
@media(max-width:760px){.site-header .header-inner{gap:12px;padding-top:15px;padding-bottom:15px}.brand{order:1}.header-apply{order:2;margin-left:auto;font-size:12px;padding:10px 13px;gap:10px;min-height:44px}.menu-toggle{order:3}.site-header nav{order:4;margin-left:0;padding-bottom:0}.site-header .logo{width:145px}}
@media(max-width:420px){.site-header .header-inner{padding-left:16px;padding-right:16px;gap:8px}.site-header .logo{width:120px}.menu-toggle{padding:8px;font-size:11px;gap:7px}.header-apply{font-size:11px;padding:10px;gap:8px}.application{font-size:14px;padding:17px}.reviews-callout{padding:22px}}
/* Search resources and local-only planning tools. */
.author-line{font-size:13px;border-left:3px solid var(--gold);padding:12px 18px;margin:0 0 34px;background:#eeeae1}.author-line span{font-size:11px;color:var(--muted)}.guide-content h2:not(:first-child){margin-top:40px}.guide-content a,.reading a{text-decoration:underline;text-underline-offset:3px}.guide-content li,.reading li{margin-bottom:12px}.reading{max-width:900px;padding-top:55px;padding-bottom:65px}.reading h2{font-size:34px;margin-top:40px}.reading p,.reading li{color:var(--muted);line-height:1.85}.reading .large{color:var(--ink)}.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.resource-card{display:flex;flex-direction:column;background:white;border:1px solid var(--line);border-top:3px solid var(--gold);padding:30px}.resource-card:hover{background:var(--pale);text-decoration:none}.resource-card h3{font-size:28px}.resource-card p{font-size:16px;line-height:1.65;color:var(--muted)}.resource-card .text-link{margin-top:auto;padding-top:18px;font-size:16px;line-height:1.5}.resource-card .eyebrow{font-size:20px;line-height:1.4;letter-spacing:0;font-weight:700;margin-bottom:18px}.calculator-layout{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}.calculator{background:white;border:1px solid var(--line);padding:36px}.calculator h2{font-size:34px}.calculator label{display:block;font-size:14px;font-weight:bold;margin:20px 0 8px}.calculator input{display:block;width:100%;padding:12px;border:1px solid #94aaa2;border-radius:3px;color:var(--ink);background:white}.calculator-result{background:var(--navy);color:white;padding:36px;border-radius:4px}.calculator-result .eyebrow{color:#b4d4df}.calculator-result h2{font-size:36px}.calculator-result .fine{color:#d5e0e5}.result-number{display:block;font:46px Georgia,serif;color:#e9cc99;margin:15px 0}.calculator-result dl{border-top:1px solid #547080;padding-top:20px}.calculator-result dd{font-size:23px;margin:0 0 20px}.calculator-result dt{font-size:13px;color:#d5e0e5}
@media(max-width:900px){.resource-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.resource-grid,.calculator-layout{grid-template-columns:1fr}.calculator,.calculator-result{padding:26px}.resource-card{padding:26px}.reading{padding-top:35px}.reading h2{font-size:30px}}
@media print{#resources,.calculator-layout{display:none}}
.analytics-choice[hidden]{display:none}.analytics-choice{position:fixed;bottom:20px;left:20px;right:20px;max-width:920px;margin:auto;background:white;color:var(--ink);border:1px solid var(--line);border-top:3px solid var(--gold);box-shadow:0 8px 36px #102c4033;padding:20px 24px;z-index:8;display:flex;gap:24px;align-items:center}.analytics-choice strong{font:22px Georgia,serif}.analytics-choice p{font-size:12px;line-height:1.6;margin:8px 0 0}.analytics-choice a{text-decoration:underline}.analytics-actions{display:flex;gap:10px;flex-shrink:0}.analytics-actions button{border:1px solid var(--blue);color:var(--blue);background:white;border-radius:3px;padding:12px 16px;cursor:pointer;font-size:13px;min-height:44px}.analytics-actions button:last-child{background:var(--blue);color:white}.footer-resources button{border:0;padding:0;background:transparent;color:inherit;font:inherit;cursor:pointer;text-decoration:underline}@media(max-width:600px){.analytics-choice{left:12px;right:12px;bottom:82px;padding:18px;display:block}.analytics-actions{margin-top:14px}.analytics-actions button{flex:1}.analytics-choice strong{font-size:20px}}@media print{.analytics-choice{display:none}}

.local-hero{display:grid;grid-template-columns:1.6fr 1fr;gap:64px;align-items:center;padding-top:70px;padding-bottom:70px}.local-card{background:var(--pale);padding:28px;text-align:center;border-top:3px solid var(--gold)}.local-card img{width:200px;height:230px;object-fit:contain;object-position:bottom}.local-card h2{font-size:34px;margin:18px 0 10px}.local-card p{font-size:13px}.site-header nav{gap:18px}@media(max-width:1000px){.local-hero{gap:28px}.site-header nav{gap:12px;font-size:12px}}@media(max-width:760px){.local-hero{grid-template-columns:1fr;padding-top:42px;padding-bottom:42px}.local-hero h1{font-size:44px}.local-card{max-width:420px;width:100%;margin:auto}}

.quick-start{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;padding-top:24px}.quick-start a{display:flex;justify-content:space-between;gap:15px;background:white;border:1px solid var(--line);padding:22px;font-size:14px;font-weight:600}.quick-start a:hover{background:var(--pale)}.tool-section{padding-top:30px;padding-bottom:35px}.payment-inputs{display:grid;grid-template-columns:1fr 1fr;gap:0 20px}.calculator button{margin-top:24px}.article-jump{display:flex;flex-wrap:wrap;gap:12px;background:var(--pale);padding:18px}.review-note{background:var(--pale);border-left:3px solid var(--gold);padding:28px;margin-top:35px}.payment-breakdown{padding:0;list-style:none}.payment-breakdown li{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid #547080;padding:12px 0;font-size:14px}.calculator-result .text-link{color:white}#payment-error{color:#9b2820;font-size:14px}@media(max-width:700px){.quick-start{grid-template-columns:1fr}.payment-inputs{grid-template-columns:1fr}.article-jump{align-items:start;flex-direction:column}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media(min-width:701px){.payment-inputs label{min-height:46px;display:flex;align-items:end}}

/* Lender-network positioning and comparison guide. */
.band-inner .network-number{font:32px Georgia,serif;color:#fff;line-height:1.2}.lender-network{background:#eeeae1}.network-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:34px}.network-grid article{border-top:1px solid #c8c4ba;padding-top:22px}.network-grid .num{display:block;margin-bottom:16px}.network-grid h3{font-size:28px}.network-grid p{color:var(--muted);font-size:15px}.network-bottom{display:grid;grid-template-columns:1fr 1fr;gap:40px;border-top:1px solid #c8c4ba;margin-top:26px;padding-top:24px;align-items:start}.network-bottom .fine{margin:0}.scenario-links{display:grid;grid-template-columns:1fr 1fr;border-left:1px solid var(--line);border-top:1px solid var(--line);margin:24px 0}.scenario-links a{padding:24px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);display:flex;flex-direction:column;gap:8px}.scenario-links a:hover{background:var(--pale)}.scenario-links span{font-size:14px}.comparison-questions{padding-left:25px}.comparison-questions li{padding:0 0 20px 8px}.reading a:not(.button){text-decoration:underline;text-underline-offset:3px}.reading .scenario-links a{text-decoration:none}@media(max-width:760px){.network-grid,.network-bottom{grid-template-columns:1fr;gap:24px}.network-grid h3{margin-bottom:14px}.network-grid p{margin-bottom:0}.network-bottom{gap:16px}.scenario-links{grid-template-columns:1fr}.network-number{font-size:28px}}

/* Borrower guides and a progressively enhanced resource directory. */
.resource-library{padding-top:42px}.guide-filters{margin-bottom:32px}.guide-filters h2{font-size:30px;letter-spacing:-.6px;margin-bottom:20px}.filter-buttons{display:flex;flex-wrap:wrap;gap:10px}.filter-buttons button{min-height:46px;padding:11px 17px;border:1px solid #a6b9bd;background:transparent;color:var(--ink);border-radius:24px;font-size:13px;cursor:pointer}.filter-buttons button[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}.filter-buttons button:hover{box-shadow:0 0 0 1px var(--blue)}.resource-card[hidden],.guide-filters[hidden],[data-prep-status][hidden],[data-prep-reset][hidden]{display:none}.featured-guides{grid-template-columns:repeat(2,1fr)}.borrower-layout{display:grid;grid-template-columns:minmax(0,1.65fr) minmax(260px,1fr);gap:64px;padding-top:48px;padding-bottom:65px}.borrower-content h2{font-size:36px;margin-top:42px}.borrower-content h3{font-size:27px}.borrower-content p,.borrower-content li{font-size:16px}.borrower-content .large{font-size:23px}.borrower-content a:not(.button){text-decoration:underline;text-underline-offset:3px}.borrower-content .fine{font-size:12px}.borrower-content .article-jump{font-size:13px}.borrower-content .author-line{margin-bottom:30px}.prep-list{background:var(--pale);padding:30px;border-top:3px solid var(--gold);position:sticky;top:24px}.prep-list h2{font-size:32px;margin-bottom:16px}.prep-list p{font-size:14px}.prep-list .eyebrow{font-size:10px}.prep-list fieldset{border:0;padding:0;margin:24px 0 14px}.prep-list legend{font-size:13px;font-weight:700;padding:0;margin-bottom:14px}.prep-list .check-row{min-height:52px}.prep-list .fine{font-size:12px}.prep-list .button{width:100%;margin-top:12px}.prep-status{font-size:13px!important;font-weight:bold;color:var(--blue)}.reset-list{background:transparent;border:1px solid #9aafb3;color:var(--ink);border-radius:3px;padding:10px 14px;min-height:44px;font-size:13px;cursor:pointer}.budget-note{background:#eeeae1;border-left:3px solid var(--gold);padding:28px;margin-top:32px}.budget-note h2{margin-top:0}.buyer-roadmap{list-style:none;padding:0;counter-reset:step}.buyer-roadmap>li{display:flex;gap:20px;border-top:1px solid var(--line);padding:26px 0}.step-number{flex-shrink:0;width:42px;height:42px;display:flex;align-items:center;justify-content:center;border:1px solid #9bb3b8;border-radius:50%;color:var(--blue);font:20px Georgia,serif}.buyer-roadmap h3{margin:4px 0 14px}.buyer-roadmap p{margin:0}.guide-questions{margin-top:42px}.source-note{margin-top:30px}.goal-5{background:#eeeae1}@media(max-width:1000px){.borrower-layout{gap:32px}.prep-list{padding:24px}}@media(max-width:760px){.borrower-layout{grid-template-columns:1fr;padding-top:32px;gap:32px}.borrower-content h2{font-size:32px}.prep-list{position:static}.featured-guides{grid-template-columns:1fr}.budget-note{padding:22px}.buyer-roadmap>li{gap:14px}.filter-buttons{gap:8px}.filter-buttons button{padding:10px 14px}.guide-filters h2{font-size:28px}}@media print{.guide-filters,.reset-list,.prep-list .button{display:none}.borrower-layout{display:block;padding-top:0}.prep-list{position:static;break-inside:avoid;background:white}.borrower-content h2{font-size:24px}.buyer-roadmap>li{break-inside:avoid}.guide-questions details{display:block}}
.jay-promise{border-top:1px solid #b7c8c3;margin-top:28px;padding-top:24px}.jay-promise .eyebrow{margin-bottom:14px}.jay-promise h3{font-size:25px;margin-bottom:16px}.jay-promise p:last-child{color:var(--muted);margin-bottom:0}.prep-list{position:static}

/* Make guide category titles readable on desktop and mobile. */
.guide-hero>.eyebrow{font-size:16px;line-height:1.5;letter-spacing:1px}.resource-card:focus-visible{outline:3px solid var(--blue);outline-offset:4px}

.rate-field-note{display:block;font-size:13px!important;line-height:1.55;margin-top:8px;color:var(--muted)}.rate-field-note a,.result-example-note a{color:var(--blue);text-decoration:underline;text-underline-offset:3px}.rate-source-details{margin:20px 0;font-size:13px;line-height:1.6;color:var(--muted)}.rate-source-details summary{cursor:pointer;font-weight:600;color:var(--navy);padding:8px 0}.rate-source-details .fine{font-size:13px;line-height:1.65;margin-top:8px}.rate-source-details .fine strong{display:block;margin-bottom:5px}#payment-form .rate-source-details{margin:8px 0 0}.result-example-note{font-size:13px;line-height:1.6;color:var(--muted)}