/* Barrett sites design system v2: Inter (UI/body) + Fraunces (display). Self-hosted, OFL. */
@font-face{font-family:"Inter";src:url(fonts/inter.woff2) format("woff2");font-weight:100 900;font-display:swap}
@font-face{font-family:"Fraunces";src:url(fonts/fraunces.woff2) format("woff2");font-weight:100 900;font-display:swap}
:root{
 --font:"Inter",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
 --display:"Fraunces",ui-serif,Georgia,"Times New Roman",serif;
 --ink:#0e1726;--ink2:#334155;--muted:#526077;--bg:#fbfaf7;--surface:#fff;--soft:#f2f0ea;--line:#e3e0d7;--line2:#d2cec3;
 --brand:#0b3d66;--brand2:#1d5f99;--tint:#e8f0f8;--accent:#b7791f;--accent-ink:#7a4b00;--glow:rgba(29,95,153,.18);
 --ok:#0f7a4a;--warn:#9a5b00;--r-sm:10px;--r:16px;--r-lg:24px;--wrap:74rem;--read:42rem;
 --sh-1:0 1px 2px rgba(15,23,42,.06),0 1px 1px rgba(15,23,42,.04);
 --sh-2:0 10px 30px -12px rgba(15,23,42,.18),0 2px 6px rgba(15,23,42,.06);
 --ease:cubic-bezier(.2,.7,.2,1);
 --s-xs:.8125rem;--s-sm:.9375rem;--s-base:1.0625rem;--s-lg:1.25rem;--s-xl:clamp(1.45rem,1.1rem + 1.2vw,1.85rem);--s-2xl:clamp(1.9rem,1.3rem + 2.4vw,2.75rem);--s-3xl:clamp(2.25rem,1.4rem + 3.6vw,3.75rem);
 color-scheme:light dark}
.fam-lo{--brand:#0b3d66;--brand2:#1d5f99;--tint:#e7f0f9;--accent:#c27c0e;--accent-ink:#7a4b00;--glow:rgba(29,95,153,.20)}
.fam-va{--brand:#1c2b55;--brand2:#9b2335;--tint:#eceff8;--accent:#b8860b;--accent-ink:#7a5a00;--glow:rgba(155,35,53,.16)}
.fam-fha{--brand:#0f4a2e;--brand2:#17764a;--tint:#e6f4ec;--accent:#b7791f;--accent-ink:#7a4b00;--glow:rgba(31,138,87,.18)}
.fam-usda{--brand:#3d4a12;--brand2:#5a6a18;--tint:#eff3e1;--accent:#b5651d;--accent-ink:#7a3f00;--glow:rgba(107,125,30,.18)}
.fam-jumbo{--brand:#24184a;--brand2:#5b3fa6;--tint:#efebf9;--accent:#b8860b;--accent-ink:#6f5200;--glow:rgba(91,63,166,.18)}
.fam-rates{--brand:#0c4a4d;--brand2:#0f736f;--tint:#e3f4f2;--accent:#c2620e;--accent-ink:#7a3a00;--glow:rgba(19,138,133,.18)}
.fam-calc{--brand:#1f2a3a;--brand2:#3c6a9e;--tint:#e9eef5;--accent:#c2620e;--accent-ink:#7a3a00;--glow:rgba(60,106,158,.18)}
.fam-edu{--brand:#33275a;--brand2:#6a52a8;--tint:#eeeaf8;--accent:#b7791f;--accent-ink:#7a4b00;--glow:rgba(106,82,168,.18)}
@media (prefers-color-scheme:dark){:root{--ink:#e8edf5;--ink2:#c5cfdc;--muted:#a3b0c2;--bg:#0b111b;--surface:#121a27;--soft:#172133;--line:#243146;--line2:#2f3d55;--tint:#16233a;--sh-1:none;--sh-2:0 12px 30px -12px rgba(0,0,0,.6)}
 [class*=fam-]{--tint:#17233a}
 [class*=fam-]{--accent-ink:#f2c46d}}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:6rem}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--font);font-size:var(--s-base);line-height:1.7;color:var(--ink);background:var(--bg);font-feature-settings:"cv11","ss01";-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img,svg{max-width:100%}
a{color:var(--brand2);text-decoration-thickness:1px;text-underline-offset:.18em;transition:color .2s var(--ease)}
a:hover{color:var(--brand)}
@media (prefers-color-scheme:dark){a:hover{color:var(--ink)}}
:focus-visible{outline:3px solid var(--accent);outline-offset:3px;border-radius:6px}
.skip{position:absolute;left:-999rem}.skip:focus{left:1rem;top:1rem;z-index:50;background:var(--surface);color:var(--ink);padding:.6rem 1rem;border-radius:8px;box-shadow:var(--sh-2)}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 clamp(1.1rem,3vw,2rem)}
.ico{width:1.25em;height:1.25em;flex:none;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;vertical-align:-.22em}
/* draft banner */
.draft-banner{background:#9f1d20;color:#fff;text-align:center;font-weight:700;font-size:var(--s-xs);letter-spacing:.06em;padding:.45rem 1rem}
/* header */
.site-head{position:sticky;top:0;z-index:30;background:color-mix(in srgb,var(--bg) 82%,transparent);backdrop-filter:saturate(1.6) blur(14px);-webkit-backdrop-filter:saturate(1.6) blur(14px);border-bottom:1px solid var(--line)}
.site-head .wrap{display:flex;align-items:center;gap:1rem;min-height:4.25rem}
.logo{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:var(--ink);line-height:1.15;margin-right:auto;min-width:0}
.logo .mark{width:2.4rem;height:2.4rem;border-radius:12px;flex:none;display:grid;place-items:center;color:#fff;background:linear-gradient(140deg,var(--brand),var(--brand2));box-shadow:0 6px 16px -6px var(--glow)}
.logo .mark svg{width:1.35rem;height:1.35rem}
.logo b{display:block;font-family:var(--display);font-weight:650;font-size:1.12rem;letter-spacing:-.01em;font-variation-settings:"opsz" 40}
.logo small{display:block;font-size:.74rem;color:var(--muted);font-weight:500;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:62vw}
.nav{display:flex;gap:.15rem;align-items:center}
.nav a{position:relative;text-decoration:none;color:var(--ink2);font-weight:550;font-size:var(--s-sm);padding:.5rem .7rem;border-radius:10px;transition:background .2s var(--ease),color .2s}
.nav a:hover{background:var(--soft);color:var(--ink)}
.nav a[aria-current=page]{color:var(--brand)}
.nav a[aria-current=page]::after{content:"";position:absolute;left:.7rem;right:.7rem;bottom:.2rem;height:2px;border-radius:2px;background:var(--accent)}
@media (prefers-color-scheme:dark){.nav a[aria-current=page]{color:var(--ink)}}
@media (min-width:64rem){.nav a{white-space:nowrap}}
@media (min-width:64rem) and (max-width:89.99rem){.nav{gap:0}.nav a{padding:.5rem .5rem;font-size:.86rem}.nav a[aria-current=page]::after{left:.5rem;right:.5rem}}
.menu-btn{display:none;align-items:center;gap:.4rem;background:var(--surface);color:var(--ink);border:1px solid var(--line2);border-radius:12px;padding:.55rem .8rem;font:600 var(--s-sm) var(--font);cursor:pointer}
@media (max-width:63.99rem){
 .menu-btn{display:inline-flex}
 .nav{position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:0;padding:.6rem clamp(1.1rem,3vw,2rem) 1.2rem;background:var(--surface);border-bottom:1px solid var(--line);box-shadow:var(--sh-2);display:none}
 .nav.open{display:flex;animation:drop .22s var(--ease)}
 .nav a{padding:.85rem .4rem;border-bottom:1px solid var(--line);border-radius:0;font-size:var(--s-base)}
 .nav a[aria-current=page]::after{display:none}
 .no-js .nav{display:flex;position:static;box-shadow:none;flex-direction:row;flex-wrap:wrap}}
@keyframes drop{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}
/* hero */
.hero{position:relative;overflow:hidden;background:radial-gradient(60rem 30rem at 85% -10%,var(--glow),transparent 60%),radial-gradient(40rem 24rem at -10% 110%,color-mix(in srgb,var(--accent) 14%,transparent),transparent 60%),linear-gradient(180deg,var(--tint),var(--bg));border-bottom:1px solid var(--line)}
.hero .wrap{display:grid;gap:2.5rem;align-items:center;padding-top:clamp(2.5rem,6vw,5rem);padding-bottom:clamp(2.5rem,6vw,4.5rem)}
@media (min-width:60rem){.hero.big .wrap{grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr)}}
.hero h1{font-family:var(--display);font-weight:600;font-size:var(--s-3xl);line-height:1.06;letter-spacing:-.025em;margin:0 0 1rem;max-width:20ch;font-variation-settings:"opsz" 96;color:var(--ink);text-wrap:balance}
.hero.small h1{font-size:var(--s-2xl);max-width:26ch}
.hero p.lead{font-size:clamp(1.08rem,1rem + .4vw,1.3rem);line-height:1.6;color:var(--ink2);max-width:38rem;margin:0 0 1.75rem;text-wrap:pretty}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;font-size:var(--s-xs);font-weight:650;letter-spacing:.08em;text-transform:uppercase;color:var(--accent-ink);background:color-mix(in srgb,var(--accent) 12%,var(--surface));border:1px solid color-mix(in srgb,var(--accent) 30%,transparent);padding:.32rem .75rem;border-radius:999px;margin:0 0 1.2rem}
.hero-art{justify-self:center;width:100%;max-width:30rem}
.hero-art svg{width:100%;height:auto;display:block;filter:drop-shadow(0 30px 40px rgba(15,23,42,.14))}
@media (max-width:59.99rem){.hero-art{max-width:22rem}}
.cta{display:flex;flex-wrap:wrap;gap:.75rem}
.btn{display:inline-flex;align-items:center;gap:.5rem;font-weight:650;font-size:var(--s-sm);padding:.85rem 1.35rem;border-radius:12px;text-decoration:none;background:var(--brand);color:#fff;box-shadow:0 8px 20px -10px var(--glow),inset 0 1px 0 rgba(255,255,255,.15);transition:transform .2s var(--ease),box-shadow .2s,background .2s}
.btn:hover{color:#fff;background:var(--brand2);transform:translateY(-1px);box-shadow:0 14px 28px -12px var(--glow)}
.btn.alt,.btn.ghost{background:var(--surface);color:var(--ink);border:1px solid var(--line2);box-shadow:var(--sh-1)}
.btn.alt:hover,.btn.ghost:hover{background:var(--soft);color:var(--ink)}
.btn.solid{background:var(--brand);color:#fff}
.trust{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem;margin:1.6rem 0 0;padding:0;list-style:none;font-size:var(--s-sm);color:var(--ink2)}
.trust li{display:flex;align-items:center;gap:.45rem}.trust .ico{color:var(--ok)}
/* layout */
main{padding:clamp(2rem,5vw,3.5rem) 0 4rem}
section{margin:0 0 clamp(2.5rem,6vw,4.5rem)}
.sec-head{max-width:44rem;margin-bottom:1.5rem}
h1,h2,h3{color:var(--ink);text-wrap:balance}
h1{font-family:var(--display);font-weight:600;font-size:var(--s-2xl);line-height:1.1;letter-spacing:-.02em;margin:.2rem 0 1rem}
h2{font-family:var(--display);font-weight:600;font-size:var(--s-xl);line-height:1.2;letter-spacing:-.015em;margin:2.6rem 0 .8rem;font-variation-settings:"opsz" 48}
h3{font-size:1.08rem;font-weight:650;line-height:1.35;margin:1.6rem 0 .4rem;letter-spacing:-.005em}
p{margin:0 0 1.05rem}
.layout{display:grid;gap:3rem;grid-template-columns:minmax(0,1fr)}
@media (min-width:64rem){.layout{grid-template-columns:minmax(0,1fr) 17rem}.layout.toc-left{grid-template-columns:14rem minmax(0,1fr)}}
.prose{max-width:var(--read)}
.prose>p:first-of-type{font-size:1.12rem;color:var(--ink2)}
.prose ul,.prose ol{padding-left:1.25rem}.prose li{margin:.35rem 0}.prose li::marker{color:var(--brand2)}
.prose h2{padding-top:.4rem}
.prose h2+p{margin-top:0}
.crumbs{display:flex;flex-wrap:wrap;align-items:center;gap:.35rem;font-size:var(--s-xs);color:var(--muted);margin:0 0 1.4rem}
.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--brand2);text-decoration:underline}
/* TOC */
.toc{font-size:var(--s-sm)}
.toc p{font-size:var(--s-xs);font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:0 0 .6rem}
.toc ol{list-style:none;margin:0;padding:0;border-left:2px solid var(--line)}
.toc a{display:block;padding:.32rem 0 .32rem .9rem;margin-left:-2px;border-left:2px solid transparent;color:var(--ink2);text-decoration:none;line-height:1.4;transition:color .2s,border-color .2s}
.toc a:hover,.toc a.on{color:var(--brand);border-color:var(--brand2)}
@media (prefers-color-scheme:dark){.toc a:hover,.toc a.on{color:var(--ink)}}
.toc-wrap{position:sticky;top:6rem;align-self:start}
@media (max-width:63.99rem){.toc-wrap{position:static}.toc{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:1rem 1.2rem}}
/* cards */
.grid{display:grid;gap:1.1rem;grid-template-columns:repeat(auto-fit,minmax(16rem,1fr))}
.card{position:relative;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:1.5rem;box-shadow:var(--sh-1);transition:transform .25s var(--ease),box-shadow .25s,border-color .25s}
.card:hover{transform:translateY(-3px);box-shadow:var(--sh-2);border-color:var(--line2)}
.card h3{margin:.9rem 0 .4rem;font-size:1.12rem}
.card h3 a{color:var(--ink);text-decoration:none}.card h3 a::after{content:"";position:absolute;inset:0;border-radius:inherit}
.card p{margin:0;color:var(--muted);font-size:var(--s-sm)}
.card .chip{width:2.75rem;height:2.75rem;border-radius:12px;display:grid;place-items:center;background:var(--tint);color:var(--brand2)}
.card .chip .ico{width:1.4rem;height:1.4rem}
.card .more{display:inline-flex;align-items:center;gap:.3rem;margin-top:1rem;font-weight:650;font-size:var(--s-sm);color:var(--brand2)}
.card:hover .more .ico{transform:translateX(3px)}.more .ico{transition:transform .2s var(--ease)}
aside .card{position:sticky;top:6rem}
aside .card:hover{transform:none}
aside h3{font-size:var(--s-xs);text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 .6rem}
aside h3+ul{margin-top:0}aside ul{list-style:none;padding:0;margin:0 0 1.4rem}aside li{margin:0}
aside li a{display:block;padding:.4rem 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink2);font-size:var(--s-sm)}
aside li a:hover{color:var(--brand2)}
aside p{font-size:var(--s-sm);color:var(--muted)}
/* related */
.related{display:grid;gap:.85rem;grid-template-columns:repeat(auto-fit,minmax(15rem,1fr));padding:0;margin:1rem 0 0;list-style:none}
.related li{margin:0}
.related a{position:relative;display:flex;flex-direction:column;gap:.3rem;height:100%;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:1.05rem 2.6rem 1.05rem 1.15rem;text-decoration:none;color:var(--ink);font-weight:600;line-height:1.4;box-shadow:var(--sh-1);transition:transform .2s var(--ease),border-color .2s,box-shadow .2s}
.related a::after{content:"";position:absolute;right:1.1rem;top:50%;width:.55rem;height:.55rem;border-top:2px solid var(--brand2);border-right:2px solid var(--brand2);transform:translateY(-50%) rotate(45deg);transition:right .2s var(--ease)}
.related a:hover{border-color:var(--brand2);transform:translateY(-2px);box-shadow:var(--sh-2)}
.related a:hover::after{right:.85rem}
.related a.gcard strong{font-weight:650}.related a.gcard span{font-weight:400;font-size:var(--s-sm);color:var(--muted);line-height:1.5}
/* callouts, pull quotes */
.note,.callout{position:relative;background:color-mix(in srgb,var(--accent) 9%,var(--surface));border:1px solid color-mix(in srgb,var(--accent) 28%,transparent);border-radius:var(--r);padding:1rem 1.15rem 1rem 3.1rem;color:var(--ink2);font-size:var(--s-sm)}
.note::before,.callout::before{content:"i";position:absolute;left:1rem;top:1rem;width:1.35rem;height:1.35rem;border-radius:50%;background:var(--accent);color:#fff;font:700 .8rem/1.35rem var(--display);text-align:center;font-style:italic}
.est{font-size:var(--s-xs);color:var(--muted);line-height:1.55}
.pull{margin:2.2rem 0;padding:.4rem 0 .4rem 1.4rem;border-left:3px solid var(--accent);font-family:var(--display);font-size:clamp(1.25rem,1.1rem + .6vw,1.55rem);line-height:1.4;font-weight:450;font-style:italic;color:var(--ink);font-variation-settings:"opsz" 72}
/* steps */
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(14rem,1fr))}
.steps li{counter-increment:s;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:1.4rem 1.3rem 1.3rem;position:relative;box-shadow:var(--sh-1);color:var(--ink2);font-size:var(--s-sm)}
.steps li strong{display:block;color:var(--ink);font-size:1.02rem;margin:.65rem 0 .2rem}
.steps li::before{content:counter(s,decimal-leading-zero);font:600 1.6rem/1 var(--display);color:var(--brand2);font-variation-settings:"opsz" 72}
/* tables */
table{border-collapse:separate;border-spacing:0;margin:1.2rem 0;font-size:var(--s-sm);display:block;overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-sm);background:var(--surface)}
th,td{border-bottom:1px solid var(--line);padding:.65rem .9rem;text-align:left;vertical-align:top}
tr:last-child td{border-bottom:0}
th{background:var(--soft);font-weight:650;color:var(--ink)}
caption{caption-side:top;text-align:left;padding:.6rem .9rem;font-size:var(--s-xs);color:var(--muted)}
/* panels, forms, calculators */
.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(1.25rem,3vw,2rem);box-shadow:var(--sh-2);margin:2rem 0}
.panel h2{margin-top:0;display:flex;align-items:center;gap:.6rem;flex-wrap:wrap}
form .fields{display:grid;gap:1rem 1.25rem;grid-template-columns:repeat(auto-fit,minmax(15rem,1fr))}
label{display:grid;gap:.35rem;font-weight:600;font-size:var(--s-sm);color:var(--ink)}
label.chk{display:flex;gap:.6rem;align-items:flex-start;font-weight:400}
input,select{width:100%;min-width:0;font:inherit;font-size:1rem;padding:.75rem .9rem;border:1px solid var(--line2);border-radius:12px;background:var(--bg);color:var(--ink);transition:border-color .2s,box-shadow .2s}
input:hover,select:hover{border-color:var(--muted)}
input:focus,select:focus{outline:none;border-color:var(--brand2);box-shadow:0 0 0 4px var(--glow)}
input[type=checkbox]{width:1.15rem;height:1.15rem;accent-color:var(--brand2)}
input:disabled,select:disabled{background:var(--soft);color:var(--muted);cursor:not-allowed}
.field{display:grid;gap:.4rem}
.field input[type=range]{padding:0;border:0;background:transparent;height:1.6rem;accent-color:var(--brand2);box-shadow:none;cursor:pointer}
.field input[type=range]:focus{box-shadow:none}
.consent{margin:1rem 0;background:var(--soft);border:1px dashed var(--line2);padding:.9rem 1rem;border-radius:12px;font-size:var(--s-sm)}
button{font:inherit;font-weight:650;font-size:var(--s-sm);border:0;border-radius:12px;padding:.85rem 1.4rem;background:var(--brand);color:#fff;cursor:pointer;box-shadow:0 8px 20px -10px var(--glow);transition:transform .2s var(--ease),background .2s}
button:hover{background:var(--brand2);transform:translateY(-1px)}
button:disabled{background:#5b6875;color:#fff;cursor:not-allowed;transform:none}
.out{margin-top:1.25rem;font-size:1rem;background:var(--tint);border-radius:var(--r);padding:0 1.2rem;transition:padding .25s var(--ease)}
.out:not(:empty){padding:1.1rem 1.2rem}
.out strong{display:inline-block;font-family:var(--display);font-size:1.8rem;line-height:1.2;color:var(--brand);font-variant-numeric:tabular-nums;letter-spacing:-.01em}
@media (prefers-color-scheme:dark){.out strong{color:var(--ink)}}
.out p{margin:.3rem 0 .7rem}
.out table{margin:.5rem 0}
.states{columns:2;padding-left:1.1rem}@media(min-width:40rem){.states{columns:3}}@media(min-width:60rem){.states{columns:4}}
dl.gloss{display:grid;gap:.75rem;margin:1.5rem 0}
dl.gloss dt{font-family:var(--display);font-weight:600;font-size:1.15rem;margin:0;padding-top:1rem;border-top:1px solid var(--line)}
dl.gloss dd{margin:0;color:var(--ink2)}
details{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:0 1.15rem;margin:.65rem 0;transition:box-shadow .2s}
details[open]{box-shadow:var(--sh-2)}
summary{list-style:none;font-weight:650;cursor:pointer;padding:1rem 2rem 1rem 0;position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"";position:absolute;right:.2rem;top:1.35rem;width:.55rem;height:.55rem;border-right:2px solid var(--brand2);border-bottom:2px solid var(--brand2);transform:rotate(45deg);transition:transform .25s var(--ease)}
details[open] summary::after{transform:rotate(-135deg);top:1.55rem}
details>p{margin:0 0 1rem;color:var(--ink2)}
.checklist{list-style:none;padding:0;margin:1rem 0}
.checklist li{padding:.75rem 0 .75rem 2.3rem;border-bottom:1px solid var(--line);position:relative;margin:0}
.checklist li::before{content:"";position:absolute;left:0;top:.95rem;width:1.25rem;height:1.25rem;border:2px solid var(--brand2);border-radius:6px;background:var(--surface)}
.lic td:last-child{font-variant-numeric:tabular-nums;white-space:nowrap}
.faqa{color:var(--ink2)}
.search{margin:1rem 0 1.5rem;max-width:32rem}
.search label{margin-bottom:.4rem}
/* footer */
.site-foot{background:#0a1220;color:#c5d0de;font-size:var(--s-sm);padding:3.5rem 0 2rem;margin-top:2rem}
.site-foot .cols{display:grid;gap:2rem;grid-template-columns:repeat(auto-fit,minmax(13rem,1fr));padding-bottom:2rem;border-bottom:1px solid #1d2a40;margin-bottom:1.5rem}
.site-foot h2{font-family:var(--font);font-size:var(--s-xs);text-transform:uppercase;letter-spacing:.1em;color:#8fa0b8;margin:0 0 .9rem;font-weight:700}
.site-foot ul{list-style:none;margin:0;padding:0}.site-foot li{margin:.35rem 0}
.site-foot a{color:#f3d58a}.site-foot a:hover{color:#fff}
.site-foot p{margin:.5rem 0;max-width:64rem;line-height:1.6}
.site-foot .brandline{display:flex;align-items:center;gap:.6rem;font-family:var(--display);font-size:1.25rem;color:#fff;margin-bottom:.6rem}
.site-foot .fine{font-size:var(--s-xs);color:#97a6bb}
.site-foot .fbrand{grid-column:1/-1;max-width:46rem}.site-foot .fbrand strong{color:#fff}
@media (min-width:64rem){.site-foot .cols{grid-template-columns:1.4fr 1fr 1fr 1fr}.site-foot .fbrand{grid-column:auto}}
@media (max-width:39.99rem){.site-foot .cols{grid-template-columns:1fr 1fr;gap:1.5rem 1rem}.site-foot .cols>div:last-child{grid-column:1/-1}.site-foot li{margin:.15rem 0}.site-foot li a{display:inline-block;padding:.35rem 0}}
.ehl{display:inline-flex;align-items:center;gap:.45rem;font-weight:700;color:#fff}
.ehl svg{width:1.5rem;height:1.5rem}
.draft-foot{color:#ffb4a2;font-weight:700}
/* reveal micro-interaction */
.js .reveal{opacity:0;transform:translateY(12px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
.js .reveal.in{opacity:1;transform:none}
@media print{.draft-banner{background:#fff;color:#9f1d20;border:2px solid #9f1d20}
.nav,.menu-btn,.skip,.btn,button,aside,form,.hero-art,.toc-wrap{display:none!important}
.site-head{position:static;backdrop-filter:none}.hero{background:none;padding:0}
body{font-size:11pt;background:#fff;color:#000}a{color:#000}.prose a[href^="http"]::after{content:" (" attr(href) ")";font-size:9pt}
.site-foot{background:none;color:#000}.site-foot a{color:#000}.card,.panel,details{break-inside:avoid;box-shadow:none}}
.slider{display:grid;gap:.35rem}.slider .est{font-variant-numeric:tabular-nums}
.fields>label+.slider{grid-column:auto}
.calc-actions{margin:1.2rem 0 0}
.fields{align-items:start}
/* iteration 2 */
.hero h1{max-width:23ch;font-size:clamp(2.1rem,1.3rem + 3vw,3.4rem)}
.hero-art .a-card{fill:var(--surface);stroke:var(--line)}
.hero-art .a-float{fill:var(--surface);stroke:var(--line)}
@media (prefers-color-scheme:dark){
 .logo .mark{box-shadow:inset 0 0 0 1px rgba(255,255,255,.18)}
 .btn{background:var(--brand2)}.btn:hover{background:color-mix(in srgb,var(--brand2) 80%,#fff)}
 .hero-art svg{filter:drop-shadow(0 30px 40px rgba(0,0,0,.5))}
 .eyebrow{background:rgba(255,255,255,.06)}}
@media (max-width:39.99rem){.cta .btn{flex:1 1 100%;justify-content:center}.hero-art{max-width:17rem}.trust{gap:.4rem 1rem}}
.hero.small .wrap{grid-template-columns:minmax(0,1fr)}
@media (min-width:60rem){.hero.small .wrap{grid-template-columns:minmax(0,1fr) 16rem}}
.meta{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:1.1rem 1.25rem;box-shadow:var(--sh-2);font-size:var(--s-sm);margin:0;display:grid;gap:.7rem}
.meta div{display:flex;align-items:center;gap:.6rem;color:var(--ink2)}.meta .ico{color:var(--brand2)}
.meta dt{font-size:var(--s-xs);color:var(--muted);text-transform:uppercase;letter-spacing:.08em}.meta dd{margin:0;font-weight:600;color:var(--ink)}
/* calculator layout: inputs + result card */
.calc-grid{display:grid;gap:1.5rem}
@media (min-width:52rem){.calc-grid{grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);align-items:start}}
.calc-grid .out{margin-top:0;position:sticky;top:6rem;min-height:9rem;padding:1.3rem 1.3rem;border:1px solid color-mix(in srgb,var(--brand2) 25%,transparent);background:linear-gradient(160deg,var(--tint),var(--surface))}
.calc-grid .out:empty::before{content:"Your estimate appears here as you type or drag.";display:block;color:var(--muted);font-size:var(--s-sm)}
.calc-grid .out:empty::after{content:"—";display:block;font:600 2.4rem/1.2 var(--display);color:var(--line2);margin-top:.6rem}
.slider .est:empty{display:none}
.layout>.prose:only-child{max-width:var(--read)}
.meta{list-style:none}.meta li{display:flex;align-items:center;gap:.7rem;color:var(--ink2)}.meta span{display:grid}
.meta small{font-size:var(--s-xs);color:var(--muted);text-transform:uppercase;letter-spacing:.08em}.meta strong{font-weight:650;color:var(--ink)}
.meta .ico{width:1.5rem;height:1.5rem;padding:.3rem;box-sizing:content-box;border-radius:10px;background:var(--tint)}

@media (prefers-color-scheme:dark){
 .fam-lo{--brand:#2a6fb0;--brand2:#7fb3e6}.fam-va{--brand:#b23a4c;--brand2:#e98a98}.fam-fha{--brand:#1a7a4d;--brand2:#7fd3a6}
 .fam-usda{--brand:#5c6b18;--brand2:#c3d27a}.fam-jumbo{--brand:#6d50c0;--brand2:#b9a6ee}.fam-rates{--brand:#0f736f;--brand2:#7fd6cf}
 .fam-calc{--brand:#3c6a9e;--brand2:#9cc0e8}.fam-edu{--brand:#7a62bc;--brand2:#c2b3ee}
 .btn{background:var(--brand)}.btn:hover{background:color-mix(in srgb,var(--brand) 82%,#fff)}
 button{background:var(--brand)}
 .logo .mark{background:linear-gradient(140deg,var(--brand),color-mix(in srgb,var(--brand2) 60%,var(--brand)))}
 .hero-art .a-house{fill:#d9e1ec}}
.meta{display:flex;flex-direction:column}
.prose:has(> .panel),.prose:has(> form.panel){max-width:62rem}
.prose:has(form.panel){max-width:62rem}
@media (max-width:59.99rem){.meta{flex-direction:row!important;flex-wrap:wrap;gap:.6rem 1.2rem;padding:.8rem 1rem;box-shadow:none}.meta .ico{width:1.1rem;height:1.1rem}}
@media (min-width:64rem){.layout:not(:has(>aside)):not(.toc-left){grid-template-columns:minmax(0,1fr)}}
.layout>.prose:has(form.panel),.layout>.prose:has(section.panel){max-width:64rem}
@media (max-width:59.99rem){.meta{display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr));gap:.5rem;padding:.75rem .6rem}.meta li{flex-direction:column;align-items:center;text-align:center;gap:.3rem}.meta span{justify-items:center}.meta small{font-size:.66rem;letter-spacing:.05em}.meta strong{font-size:.85rem}}
.sprite{display:none}
.compare{border:1px solid var(--line,#d9dee5);border-radius:12px;padding:12px 16px;margin:16px 0 0}.compare legend{font-weight:600;padding:0 6px}
.amort{margin:18px 0}.amort svg{width:100%;height:auto;display:block}.amort .c-p{fill:#2f7d5b}.amort .c-i{fill:#c9a227}.amort .c-b{fill:none;stroke:#1d4f91;stroke-width:3}.amort .c-ax{stroke:#8a94a3}.amort text{font-size:12px;fill:currentColor}
.amort figcaption{font-size:.85rem;display:flex;flex-wrap:wrap;gap:6px 14px;align-items:center}.amort .k{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:-8px}.k-p{background:#2f7d5b}.k-i{background:#c9a227}.k-b{background:#1d4f91}
.tscroll{max-height:340px;overflow:auto}.cmp{margin:14px 0}.cmp th[scope=row]{text-align:left;font-weight:500}
button.ghost{background:transparent;color:inherit;border:1px solid currentColor}
@media (prefers-color-scheme:dark){.amort .c-b{stroke:#8fb8ff}.k-b{background:#8fb8ff}}
/* Pass 10: tool picker, loan finder, comparison table, home tool strip, print */
.tgrid{list-style:none;padding:0;margin:1rem 0 2rem;display:grid;gap:.85rem;grid-template-columns:repeat(auto-fit,minmax(14.5rem,1fr))}
.tgrid li{margin:0}.tgrid a{display:flex;flex-direction:column;gap:.35rem;height:100%;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:1.1rem 1.15rem;text-decoration:none;color:var(--ink);box-shadow:var(--sh-1);transition:transform .2s var(--ease),border-color .2s,box-shadow .2s}
.tgrid a:hover{border-color:var(--brand2);transform:translateY(-2px);box-shadow:var(--sh-2)}
.tgrid .chip{width:2.4rem;height:2.4rem;border-radius:10px;display:grid;place-items:center;background:var(--tint);color:var(--brand2);margin-bottom:.25rem}
.tgrid strong{font-weight:650;line-height:1.3}.tgrid span:last-child{font-size:var(--s-sm);color:var(--muted);line-height:1.5}
.q{border:1px solid var(--line);border-radius:var(--r);padding:.9rem 1.1rem 1rem;margin:0 0 1rem;display:grid;gap:.5rem}
.q legend{font-weight:650;padding:0 .4rem;line-height:1.4}
.q[hidden]{display:none}
.opt{display:flex;align-items:flex-start;gap:.65rem;padding:.55rem .75rem;border:1px solid var(--line);border-radius:var(--r-sm);cursor:pointer;background:var(--surface);transition:border-color .15s,background .15s}
.opt:hover{border-color:var(--brand2)}
.opt input{margin:.3rem 0 0;width:1.1rem;height:1.1rem;accent-color:var(--brand2);flex:none}
.opt:has(input:checked){border-color:var(--brand2);background:var(--tint)}
#finder .out:empty{padding:0}
.fh{font-size:1.35rem!important}
.fres{list-style:none;padding:0;margin:.5rem 0 1rem;display:grid;gap:.75rem}
.fres li{background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--brand2);border-radius:var(--r-sm);padding:.85rem 1rem;display:flex;flex-direction:column;gap:.3rem}
.fres li strong{font:600 1.1rem/1.3 var(--display)!important;color:var(--ink)!important}
.fres li span{color:var(--ink2);font-size:var(--s-sm)}
.fres li a{font-weight:600;font-size:var(--s-sm)}
.ltable{min-width:44rem;font-size:var(--s-sm)}
.ltable th[scope=row]{white-space:nowrap;text-align:left}
.ltable thead th{background:var(--tint)}
.tstrip{margin:3rem 0 1rem}
.tstrip h2{font-family:var(--display);margin:0 0 1rem}
@media print{
 form,.panel{display:block!important;box-shadow:none;border:1px solid #999}
 .fields,.calc-actions,.slider input[type=range],.tgrid,.tstrip,.q,input,select,label.chk{display:none!important}
 .calc-grid{display:block}.calc-grid .out{position:static;border:1px solid #999;background:#fff}
 .calc-grid .out:empty::before,.calc-grid .out:empty::after{content:none}
 .out strong{color:#000!important}
 .hero,.hero *{color:#000!important}
 .site-foot .cols{display:block}
 table{border-collapse:collapse}th,td{border:1px solid #bbb}
 a[href^="#"]::after{content:none}
}
.xscroll{overflow-x:auto;border-radius:var(--r-sm)}.xscroll:focus-visible{outline:3px solid var(--brand2);outline-offset:2px}
.prose .tgrid{padding-left:0}
@media print{.xscroll{overflow:visible}.ltable{min-width:0}}
@media (prefers-color-scheme:dark){button:hover,.btn:hover{background:color-mix(in srgb,var(--brand) 80%,#000)}button.ghost:hover{background:rgba(255,255,255,.08)}}
.xscroll .ltable{display:table;overflow:visible;margin:0}
/* ===== Pass 11 ===== */
/* Mobile: header scrolls away (no overlap with form fields); anchors/fields keep clear of any sticky UI */
@media (max-width:39.99rem){.site-head{position:relative}}
input,select,textarea,h2[id],h3[id],.panel{scroll-margin-top:6.5rem}
@media (max-width:39.99rem){input,select,textarea,h2[id],h3[id],.panel{scroll-margin-top:1rem}}
/* reading progress */
.readbar{position:fixed;top:0;left:0;right:0;height:3px;z-index:60;pointer-events:none;background:transparent}
.readbar span{display:block;height:100%;background:linear-gradient(90deg,var(--brand2),var(--accent));transform:scaleX(0);transform-origin:0 50%;will-change:transform}
.no-js .readbar{display:none}
/* guide header art */
.hero-side{display:grid;gap:1rem;align-content:start}
.guide-art svg{width:100%;height:auto;display:block;aspect-ratio:480/260;filter:drop-shadow(0 18px 28px rgba(15,23,42,.12))}
.guide-art .a-card{fill:var(--surface);stroke:var(--line)}
@media (min-width:60rem){.hero.small .wrap:has(.hero-side){grid-template-columns:minmax(0,1fr) 21rem;align-items:center}}
@media (max-width:59.99rem){.hero-side{grid-template-columns:minmax(0,1fr)}.guide-art{max-width:19rem;justify-self:center;width:100%}}
@media (max-width:39.99rem){.guide-art{max-width:15rem}.hero.small .wrap{gap:1.5rem}}
@media (prefers-color-scheme:dark){.guide-art svg{filter:drop-shadow(0 18px 28px rgba(0,0,0,.45))}}
/* key takeaways */
.takeaways{background:linear-gradient(160deg,var(--tint),var(--surface));border:1px solid color-mix(in srgb,var(--brand2) 28%,transparent);border-left:5px solid var(--brand2);border-radius:var(--r);padding:1.1rem 1.3rem .4rem;margin:0 0 2rem}
.takeaways h2{display:flex;align-items:center;gap:.5rem;font-family:var(--font);font-size:var(--s-xs)!important;font-weight:750;letter-spacing:.1em;text-transform:uppercase;color:var(--brand2);margin:0 0 .6rem!important}
.takeaways h2 .ico{width:1.15rem;height:1.15rem}
.takeaways ul{margin:0 0 .6rem;padding-left:1.1rem}.takeaways li{margin:.35rem 0;color:var(--ink);line-height:1.55}
.takeaways li::marker{color:var(--brand2)}
@media (prefers-color-scheme:dark){.takeaways h2{color:var(--ink)}}
/* collapsible mobile TOC */
.toc-btn{display:none}
@media (max-width:63.99rem){
 .js .toc .toc-h{display:none}
 .js .toc-btn{display:flex;align-items:center;gap:.55rem;width:100%;background:transparent;color:var(--ink);box-shadow:none;border-radius:var(--r-sm);padding:.2rem 0;font-weight:650;justify-content:flex-start;transform:none}
 .js .toc-btn:hover{background:transparent;transform:none}
 .js .toc-btn span{color:var(--muted);font-weight:500}
 .js .toc-btn::after{content:"";margin-left:auto;width:.55rem;height:.55rem;border-right:2px solid var(--brand2);border-bottom:2px solid var(--brand2);transform:rotate(45deg);transition:transform .2s}
 .js .toc.open .toc-btn::after{transform:rotate(-135deg)}
 .js .toc ol{display:none;margin-top:.7rem}
 .js .toc.open ol{display:block}
 .toc{padding:.8rem 1.1rem!important}}
/* home sections */
.hsec{margin:3.5rem 0 0}
.hsec .sec-head h2{font-family:var(--display);font-size:var(--s-xl);margin:.4rem 0 0;line-height:1.2}
.hsec .eyebrow{margin:0}
.g4{grid-template-columns:repeat(auto-fit,minmax(15rem,1fr))}
.allg{margin:1.1rem 0 0}.allg a{display:inline-flex;align-items:center;gap:.35rem;font-weight:650}
.allg .ico{width:1rem;height:1rem}
.journey{grid-template-columns:repeat(auto-fit,minmax(13.5rem,1fr))}
.journey li strong a{color:var(--ink);text-decoration:none}.journey li strong a::after{content:"";position:absolute;inset:0;border-radius:inherit}
.journey li:hover{border-color:var(--brand2)}
.gprev{display:grid;gap:.9rem;grid-template-columns:repeat(auto-fit,minmax(16rem,1fr));margin:0}
.gprev div{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:1rem 1.15rem}
.gprev dt{font-weight:700;color:var(--ink);margin-bottom:.25rem}.gprev dd{margin:0;color:var(--ink2);font-size:var(--s-sm);line-height:1.55}
/* comparison tables */
.ltable{border-collapse:separate;border-spacing:0;width:100%;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:var(--surface)}
.ltable caption{caption-side:top;text-align:left;padding:.2rem 0 .7rem;color:var(--muted);font-size:var(--s-xs)}
.ltable thead th{background:var(--brand);color:#fff;font-weight:650;border-bottom:0;padding:.8rem .9rem;white-space:nowrap}
.ltable thead th:first-child{background:color-mix(in srgb,var(--brand) 85%,#000)}
.ltable tbody th[scope=row]{background:var(--soft);font-weight:650;color:var(--ink);position:sticky;left:0;z-index:1;min-width:9rem;white-space:normal}
.ltable tbody tr:nth-child(even) td{background:color-mix(in srgb,var(--tint) 45%,var(--surface))}
.ltable td{line-height:1.5;min-width:10rem}
.ltable tbody tr:last-child th,.ltable tbody tr:last-child td{border-bottom:0}
.cmp{border-collapse:separate;border-spacing:0;width:100%;border:1px solid var(--line);border-radius:var(--r-sm);overflow:hidden;font-variant-numeric:tabular-nums;display:table}
.cmp thead th{background:var(--brand);color:#fff}
.cmp td{text-align:right}.cmp th[scope=row]{background:var(--soft)}
.cmp tbody tr:last-child th,.cmp tbody tr:last-child td{font-weight:700;border-bottom:0}
@media (prefers-color-scheme:dark){.ltable thead th,.cmp thead th{color:#fff}}
@media print{.readbar,.toc-btn{display:none!important}.reveal{opacity:1!important;transform:none!important}.toc ol{display:block!important}.ltable thead th,.cmp thead th{background:#eee!important;color:#000!important}.guide-art{display:none}}
@media (max-width:63.99rem){aside .toc{display:none}}
.guide-art .a-panel{fill:var(--surface);fill-opacity:.7}
@media (max-width:63.99rem){.home-aside{display:none}}
/* ===== Pass 12 ===== */
/* hero layouts */
@media (min-width:60rem){.hero.big.l-flip .wrap{grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr)}}
.hero.big.l-flip .hero-art{order:-1}
.hero.big.l-center .wrap{grid-template-columns:minmax(0,1fr);justify-items:center;text-align:center}
.hero.big.l-center .hero-copy{display:flex;flex-direction:column;align-items:center}
.hero.big.l-center h1{max-width:24ch}.hero.big.l-center p.lead{margin-left:auto;margin-right:auto}
.hero.big.l-center .cta,.hero.big.l-center .trust{justify-content:center}
.hero.big.l-center .hero-art{max-width:24rem;margin-top:-.5rem}
@media (min-width:60rem){.hero.big.l-panel .wrap{grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr)}}
.hpanel{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-1);padding:1.2rem 1.3rem 1rem;width:100%;max-width:26rem;justify-self:end}
.hp-h{display:flex;align-items:center;gap:.5rem;margin:0 0 .6rem;font-size:var(--s-xs);font-weight:750;letter-spacing:.1em;text-transform:uppercase;color:var(--brand2)}
.hpanel ol{list-style:none;counter-reset:hp;margin:0;padding:0}
.hpanel ol li{counter-increment:hp;display:grid;grid-template-columns:1.8rem 1fr;align-items:baseline;padding:.55rem 0;border-top:1px solid var(--line)}
.hpanel ol li::before{content:counter(hp);font:600 1rem/1 var(--display);color:var(--brand2)}
.hpanel ol a{color:var(--ink);text-decoration:none;font-weight:600;line-height:1.35}
.hpanel ol a:hover{text-decoration:underline;color:var(--brand2)}
.hp-all{margin:.5rem 0 0;padding-top:.7rem;border-top:1px solid var(--line);font-size:var(--s-sm)}
.pre .hsec:first-child{margin-top:0}.pre{margin-bottom:3rem}
.sec-sub{margin:.5rem 0 0;color:var(--ink2);font-size:var(--s-sm)}
/* takeaways jump links */
.kt-go{font-size:.86em;font-weight:600;white-space:normal;text-decoration:none;border-bottom:1px solid color-mix(in srgb,var(--brand2) 40%,transparent);color:var(--brand2)}
.kt-go::before{content:"\2192\00a0" / ""}
.kt-go:hover{border-bottom-color:currentColor}
/* glossary term links */
a.gt{color:inherit;text-decoration:underline dotted;text-decoration-color:color-mix(in srgb,var(--brand2) 70%,transparent);text-underline-offset:.18em;text-decoration-thickness:1.5px}
a.gt:hover{color:var(--brand2);text-decoration-style:solid}
/* dates */
.dates{font-size:var(--s-xs);color:var(--muted);margin:1.2rem 0 0}
/* comparison caption outside the scroller */
.tcap{font-size:var(--s-xs);color:var(--muted);margin:0 0 .6rem}
/* quick tool list */
.tquick{list-style:none;margin:0;padding:0;display:grid;gap:.75rem;grid-template-columns:repeat(auto-fit,minmax(14rem,1fr))}
.tquick a{display:grid;grid-template-columns:auto 1fr;gap:.15rem .8rem;align-items:center;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:.85rem 1rem;text-decoration:none;color:var(--ink);box-shadow:var(--sh-1)}
.tquick a:hover{border-color:var(--brand2)}
.tquick .chip{grid-row:span 2}
.tquick strong{font-size:.98rem}.tquick span:not(.chip){color:var(--ink2);font-size:var(--s-sm);line-height:1.45}
/* basics reading path */
.path{list-style:none;counter-reset:pa;margin:0 0 1rem;padding:0}
.path>li{counter-increment:pa;position:relative;padding:0 0 1.4rem 3rem;border-left:2px solid var(--line);margin-left:1rem}
.path>li:last-child{border-left-color:transparent}
.path>li::before{content:counter(pa);position:absolute;left:-1.05rem;top:-.1rem;width:2rem;height:2rem;border-radius:50%;display:grid;place-items:center;background:var(--brand2);color:#fff;font:600 .95rem/1 var(--font)}
.ph{display:flex;flex-wrap:wrap;align-items:baseline;gap:.2rem .8rem}
.ph a{font-family:var(--display);font-size:1.15rem;font-weight:600;color:var(--ink);text-decoration:none}
.ph a:hover{text-decoration:underline;color:var(--brand2)}
.pm{font-size:var(--s-xs);color:var(--muted)}
.path p{margin:.3rem 0 .4rem;color:var(--ink2)}
.pk{margin:.2rem 0 0;padding-left:1.1rem;font-size:var(--s-sm);color:var(--ink2)}
.used{display:block;margin:.35rem 0 0;font-size:var(--s-xs);color:var(--muted)}
/* prev / next */
.pn{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin:2.2rem 0 .5rem}
.pn a{display:flex;flex-direction:column;gap:.2rem;padding:.9rem 1.1rem;border:1px solid var(--line);border-radius:var(--r);background:var(--surface);text-decoration:none;color:var(--ink);box-shadow:var(--sh-1)}
.pn a:hover{border-color:var(--brand2)}
.pn small{font-size:var(--s-xs);color:var(--muted);font-weight:650;letter-spacing:.06em;text-transform:uppercase}
.pn span{font-weight:600;line-height:1.35}
.pn-n{text-align:right;grid-column:2}
/* glossary */
.glead{color:var(--ink2);max-width:44rem}
.tag{display:inline-block;vertical-align:middle;font:650 .68rem/1 var(--font);letter-spacing:.06em;text-transform:uppercase;color:var(--brand2);background:color-mix(in srgb,var(--brand2) 10%,var(--surface));border:1px solid color-mix(in srgb,var(--brand2) 30%,transparent);border-radius:999px;padding:.28rem .5rem;margin-left:.35rem}
.gtools{position:sticky;top:4.2rem;z-index:5;background:var(--bg);padding:.8rem 0 .6rem;margin:0 0 1rem;border-bottom:1px solid var(--line)}
.gsearch{display:none;margin:0 0 .7rem}
.js .gsearch{display:block}
.gsearch label{display:block;font-weight:650;font-size:var(--s-sm);margin-bottom:.3rem}
.gsearch input{width:100%;max-width:28rem}
.gsearch .est{margin:.3rem 0 0;min-height:1em}
.az ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.3rem}
.az a,.az .off{display:grid;place-items:center;min-width:2rem;height:2rem;border-radius:.5rem;font-weight:650;font-size:var(--s-sm)}
.az a{background:var(--surface);border:1px solid var(--line);color:var(--brand2);text-decoration:none}
.az a:hover{border-color:var(--brand2)}
.az .off{color:var(--muted);opacity:.75}
.gl-group{margin:1.6rem 0 0}
.gl-letter{font-family:var(--display);font-size:var(--s-xl)!important;color:var(--brand2);margin:0 0 .4rem!important;scroll-margin-top:12rem}
.gloss .gterm{padding:.9rem 0;border-bottom:1px solid var(--line);scroll-margin-top:12rem}
.gloss .gterm[hidden],.gl-group[hidden]{display:none}
.gloss .gterm:target{background:color-mix(in srgb,var(--brand2) 8%,transparent);border-radius:var(--r-sm);padding-left:.7rem;padding-right:.7rem}
.gloss .gterm dt{font-weight:700;color:var(--ink);font-size:1.05rem}
.gloss .gterm dd{margin:.3rem 0 0}
.gloss .gterm dd p{margin:0;color:var(--ink2)}
.gloss .gterm dd p.used{margin-top:.35rem}
/* mobile-first fixes from the 6-hub review */
@media (max-width:40rem){
 .hero.big .wrap{gap:1.4rem;padding-top:1.6rem;padding-bottom:2rem}
 .hero.big .hero-art{max-width:12.5rem}
 .hero.big.l-flip .hero-art{max-width:10rem;justify-self:start;margin-bottom:-.4rem}
 .hero.big.l-center .hero-art{max-width:15rem}
 .hpanel{justify-self:stretch;max-width:none;padding:1rem 1.1rem .8rem}
 .trust{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.6rem;font-size:.78rem;line-height:1.3}
 .trust li{flex-direction:column;text-align:center;gap:.3rem}
 .hero .crumbs{display:block;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;margin-bottom:1rem}
 .hero.small .wrap{padding-top:1.4rem;padding-bottom:1.8rem}
 main{padding-top:1.6rem}
 .hsec{margin-top:2.5rem}
 .g4{gap:.6rem}
 .g4 .card{display:grid;grid-template-columns:auto 1fr;column-gap:.85rem;row-gap:.15rem;padding:.9rem 1rem;align-items:start}
 .g4 .card .chip{grid-row:1 / span 2;margin:0}
 .g4 .card h3{margin:0;font-size:1rem}
 .g4 .card p{margin:0;font-size:var(--s-sm)}
 .g4 .card .more{display:none}
 .journey{display:block}
 .journey li{box-shadow:none;border:0;border-left:2px solid var(--line);border-radius:0;padding:.2rem 0 1.1rem 1.6rem;margin-left:.9rem;background:none}
 .journey li:last-child{border-left-color:transparent;padding-bottom:0}
 .journey li::before{position:absolute;left:-1rem;top:0;width:1.9rem;height:1.9rem;border-radius:50%;display:grid;place-items:center;background:var(--surface);border:2px solid var(--brand2);font:600 .8rem/1 var(--font)}
 .journey li strong{margin:0 0 .15rem}
 .gprev{gap:.6rem}
 .gtools{position:static}
 .az ul{flex-wrap:nowrap;overflow-x:auto;padding-bottom:.3rem;scrollbar-width:thin}
 .az a,.az .off{min-width:2.25rem;height:2.25rem;flex:0 0 auto}
 .pn{grid-template-columns:1fr}.pn-n{grid-column:1;text-align:left}
 .path>li{padding-left:2.2rem}
}
@media print{.gtools,.pn,.hpanel{display:none}}
.tlist{list-style:none;margin:0 0 1rem;padding:0;display:grid;gap:.5rem;grid-template-columns:repeat(auto-fit,minmax(15rem,1fr))}
.tlist li{display:flex;flex-direction:column;gap:.15rem;padding:.7rem .9rem;border:1px solid var(--line);border-radius:var(--r-sm);background:var(--surface)}
.tlist a{font-weight:650}.tlist span{font-size:var(--s-xs);color:var(--muted)}
.gprev .used{margin-top:.4rem}
/* form pages: header scrolls away so it never covers inputs (WCAG 2.4.11 / 2.5.8) */
.formpage .site-head{position:relative}
/* ===== Pass 13 ===== */
/* glossary: one rule per term, no gap/double rule under headings */
.gl-group .gloss{display:block;gap:0;margin:.4rem 0 0}
.gl-group .gloss .gterm dt{border-top:0;padding-top:0;margin:0}
.gl-group .gloss .gterm:first-child{padding-top:.4rem}
.gl-tier{margin:0 0 .2rem!important;scroll-margin-top:12rem}
.gloss .gterm dd p.why{margin-top:.45rem;font-size:.95rem;color:var(--ink2);padding-left:.8rem;border-left:3px solid color-mix(in srgb,var(--brand2) 45%,transparent)}
.gloss .gterm dd p.why a{white-space:nowrap}
.az .off{display:inline-grid;place-items:center;min-width:1.9rem;min-height:1.9rem;color:var(--muted,#8a8a8a);opacity:.55}
@media (max-width:39.99rem){.gloss .gterm dd p.why a{white-space:normal}}
/* tablet: avoid 3+1 orphans, full-width hero panel */
@media (min-width:40rem) and (max-width:59.99rem){
 .journey,.tquick{grid-template-columns:repeat(2,minmax(0,1fr))}
 .hpanel{justify-self:stretch;max-width:none}
}
@media (min-width:60rem){.journey{grid-template-columns:repeat(4,minmax(0,1fr))}}
/* explore related topics */
.explore{margin:2.4rem 0 0;padding:1.4rem 0 0;border-top:1px solid var(--line)}
.explore h2{margin-top:0}
.ex-cards{list-style:none;margin:0;padding:0;display:grid;gap:.75rem;grid-template-columns:repeat(auto-fit,minmax(14rem,1fr))}
.ex-cards a{display:block;height:100%;padding:.9rem 1rem;border:1px solid var(--line);border-radius:var(--r-sm);background:var(--surface);text-decoration:none;color:var(--ink)}
.ex-cards a:hover{border-color:var(--brand2)}
.ex-cards strong{display:block;line-height:1.3}
.ex-cards span{display:block;margin-top:.35rem;font-size:.9rem;color:var(--ink2)}
.ex-links{list-style:none;margin:1rem 0 0;padding:0;display:flex;flex-wrap:wrap;gap:.4rem 1.2rem}
.ex-links a{display:inline-block;padding:.35rem 0}
/* lender questions worksheet */
table.ws{display:table;overflow:visible;width:100%;border-collapse:collapse;margin:.6rem 0 .4rem;table-layout:fixed}
.ws-ctx{background:var(--tint);border-left:3px solid var(--brand2);border-radius:var(--r-sm);padding:.75rem 1rem;margin:.6rem 0 .9rem}
.ws-ctx p{margin:0 0 .35rem;font-size:var(--s-sm)}
.ws-ctx ul{margin:0;padding-left:1.1rem}.ws-ctx li{margin:.35rem 0;color:var(--ink2)}
.ws-prep li{margin:.5rem 0}
details ul.faq-pts{margin:0 0 .6rem;padding-left:1.1rem;color:var(--ink2)}details ul.faq-pts li{margin:.45rem 0}
#faq-guides{margin-top:2.2rem}
table.ws th,table.ws td{border:1px solid var(--line);padding:.6rem .7rem;vertical-align:top;text-align:left}
table.ws thead th{background:var(--surface);font-size:.9rem}
table.ws thead th:first-child{width:50%}
table.ws tbody th{font-weight:500;color:var(--ink)}
table.ws td{height:3.2rem}
.ws-print{margin:.4rem 0 1rem}
@media (max-width:39.99rem){
 table.ws,table.ws tbody,table.ws tr,table.ws th,table.ws td{display:block;width:auto}
 table.ws thead{display:none}
 table.ws tr{border:1px solid var(--line);border-radius:var(--r-sm);margin:0 0 .7rem;overflow:hidden}
 table.ws th,table.ws td{border:0}
 table.ws td{border-top:1px dashed var(--line);height:auto;min-height:2.6rem;position:relative}
 table.ws td .sr-only{position:static!important;width:auto!important;height:auto!important;clip:auto!important;clip-path:none!important;overflow:visible!important;white-space:normal!important;margin:0!important;font-size:.8rem;color:var(--ink2)}
}
@media print{
 .explore,.ws-print,.readbar,.related,.site-foot .cols,.crumbs,.toc,.prevnext,.pn{display:none!important}
 table.ws{page-break-inside:auto}table.ws tr{break-inside:avoid}
 table.ws th,table.ws td{border:1px solid #555!important;color:#000}
 table.ws td{height:2.4cm}
 table.ws thead{display:table-header-group}
}
.prose .ex-cards,.prose .ex-links,.ex-cards,.ex-links{padding-left:0}
.ex-cards{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:39.99rem){.ex-cards{grid-template-columns:1fr}}
.ex-links li{margin:0}
@media print{.meta{display:none!important}main{padding-top:0}}