:root{--navy:#254354;--navy2:#183342;--copper:#b97e55;--copper2:#d7a47b;--paper:#f4f0e9;--cream:#fffdf8;--ink:#18313f;--muted:#69757b;--line:#d8d1c7}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,sans-serif;font-size:16px}.topbar{height:82px;display:flex;align-items:center;justify-content:space-between;padding:0 max(5vw,24px);border-bottom:1px solid var(--line);background:rgba(244,240,233,.96);position:sticky;top:0;z-index:3}.brand{display:flex;align-items:center;color:var(--ink);text-decoration:none;font-weight:900;letter-spacing:.15em}.brand img{width:52px;height:52px;border-radius:50%;object-fit:cover;margin-right:14px}.brand span{font-size:.72rem}.topbar p{font-size:.8rem;color:var(--muted)}main{max-width:1240px;margin:auto;padding:64px 32px 100px}.intro{display:grid;grid-template-columns:.28fr 1fr;column-gap:48px;align-items:start;margin-bottom:40px}.eyebrow{font-size:.72rem;font-weight:900;letter-spacing:.18em;color:var(--copper);text-transform:uppercase}h1{font-family:Georgia,serif;font-size:clamp(2.65rem,5.6vw,5.35rem);line-height:.98;letter-spacing:-.045em;margin:0}h1 em{color:var(--copper);font-weight:400}.lede{grid-column:2;max-width:770px;color:var(--muted);font-size:1.12rem;line-height:1.72;margin-top:30px}.presets{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin:0 0 18px}.presets>span{font-size:.68rem;font-weight:900;letter-spacing:.14em;margin-right:8px}.preset{border:1px solid var(--line);background:transparent;color:var(--ink);padding:10px 14px;border-radius:999px;font-weight:750;cursor:pointer}.preset:hover,.preset:focus-visible,.preset.active{background:var(--navy);border-color:var(--navy);color:white}.lab{display:grid;grid-template-columns:.84fr 1.16fr;gap:22px}.card{background:var(--cream);border:1px solid var(--line);padding:30px}.wide{margin-top:22px}.section-head{display:flex;align-items:center;gap:14px;border-bottom:1px solid var(--line);padding-bottom:18px;margin-bottom:26px}.section-head span{color:var(--copper);font-weight:900;font-size:.8rem}.section-head h2{font-family:Georgia,serif;font-size:1.5rem;margin:0}.scenario-label{display:flex;gap:10px;align-items:center;margin:20px 0 18px}.scenario-label.second{margin-top:34px}.dot{width:10px;height:10px;border-radius:50%}.old{background:#8d999f}.now{background:var(--copper)}label{display:block;position:relative;color:var(--muted);font-size:.78rem;font-weight:750;letter-spacing:.025em;margin:19px 0}label output{float:right;color:var(--ink);font-size:.92rem}input[type=range]{width:100%;margin-top:11px;accent-color:var(--copper)}details{border-top:1px solid var(--line);padding-top:14px;margin-top:24px}summary{cursor:pointer;font-size:.82rem;font-weight:850;color:var(--navy)}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 12px}.field-grid label{margin:12px 0}.field-grid input,.field-grid select{width:100%;margin-top:7px;border:1px solid var(--line);background:white;padding:10px 22px;color:var(--ink);font:inherit}.field-grid .prefix{position:absolute;left:9px;bottom:11px}.field-grid .suffix{position:absolute;right:9px;bottom:11px}.payment-grid{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line)}.payment-grid article{padding:24px}.payment-grid article+article{border-left:1px solid var(--line)}article small{display:block;color:var(--muted);font-size:.68rem;letter-spacing:.12em}.payment-grid strong{display:block;font-family:Georgia,serif;font-size:clamp(2rem,4vw,3.35rem);margin:7px 0}.payment-grid span{font-size:.75rem;color:var(--muted)}.accent strong{color:var(--copper)}.payment-breakdown{padding:18px 0;border-bottom:1px solid var(--line)}.payment-breakdown div{display:grid;grid-template-columns:1.4fr .7fr .7fr;gap:8px;padding:6px 0;font-size:.78rem}.payment-breakdown span{color:var(--muted)}.payment-breakdown b{text-align:right}.price-gap{display:flex;justify-content:space-between;align-items:baseline;padding:25px 0 10px}.price-gap span{font-size:.85rem;color:var(--muted)}.price-gap strong{font-family:Georgia,serif;font-size:2rem;color:var(--copper)}.meter-label{display:flex;justify-content:space-between;font-size:.7rem;color:var(--muted);margin-bottom:8px}.meter{height:8px;background:#e2ded5}.meter i{height:100%;display:block;background:var(--copper);transition:width .3s}.insight{margin-top:26px;padding:20px 22px;background:var(--navy);color:white;line-height:1.55;font-family:Georgia,serif;font-size:1.14rem}.cash-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}.cash-grid article,.refi-layout article{background:var(--cream);padding:22px}.cash-grid strong,.refi-layout article strong{display:block;font-family:Georgia,serif;font-size:1.8rem;margin:8px 0}.cash-grid p,.refi-layout span{font-size:.75rem;color:var(--muted);line-height:1.45}.accent-box{background:var(--navy)!important;color:white}.accent-box small,.accent-box span,.accent-box p{color:#d9e1e4}.compare-head,.compare-row{display:grid;grid-template-columns:1.4fr .8fr .8fr;gap:20px;padding:13px 16px}.compare-head{background:var(--navy);color:white;font-size:.78rem}.compare-row{border-bottom:1px solid var(--line)}.compare-row span{color:var(--muted)}.compare-row b{text-align:right}.compare-row.strong{background:#eee8df}.fine{font-size:.73rem;color:var(--muted);line-height:1.5;margin:18px 0 0}.refi-layout{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}.refi-layout>div{background:var(--cream);padding:20px}.refi-layout>div p{font-size:.78rem;color:var(--muted);line-height:1.5}.appreciation{display:grid;grid-template-columns:.7fr 1.3fr;gap:60px;background:var(--navy);color:white;padding:54px;margin-top:22px}.appreciation>div:first-child>strong{display:block;font-family:Georgia,serif;font-size:clamp(3.7rem,8vw,7rem);color:var(--copper2);line-height:1}.appreciation>div:first-child>span{font-size:.82rem}.app-copy{line-height:1.72;color:#e3e9eb}.app-copy p{margin-top:0}.app-copy a{color:var(--copper2);font-weight:800}.principle{padding:95px 0 70px}.principle blockquote{font-family:Georgia,serif;font-size:clamp(2rem,4.4vw,4.3rem);line-height:1.1;margin:28px 0 35px;max-width:1080px}.voice{font-size:1.12rem;line-height:1.8;color:var(--muted);max-width:850px;margin-bottom:65px}.three{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;border-top:1px solid var(--line);padding-top:32px}.three b{color:var(--copper);font-size:.75rem}.three h3{font-family:Georgia,serif;font-size:1.35rem}.three p{color:var(--muted);line-height:1.65}.cta{display:grid;grid-template-columns:280px 1fr;gap:55px;align-items:center;background:var(--cream);border:1px solid var(--line);padding:44px}.cta img{width:100%;aspect-ratio:1;object-fit:cover}.cta h2{font-family:Georgia,serif;font-size:clamp(2rem,4vw,3.4rem);margin:.25em 0}.cta p:not(.eyebrow){color:var(--muted);line-height:1.7}.cta strong{display:block;margin-top:25px;color:var(--navy)}footer{background:var(--navy2);color:white;padding:34px max(5vw,24px);display:flex;justify-content:space-between;gap:40px;align-items:center}footer span{font-size:.8rem;letter-spacing:.14em;font-weight:900}footer p{font-size:.72rem;color:#c3ced3;max-width:680px;line-height:1.55}@media(max-width:860px){.topbar p,.brand span{display:none}main{padding:42px 18px 70px}.intro{display:block}.lede{margin-top:22px}.lab{grid-template-columns:1fr}.card{padding:22px}.cash-grid{grid-template-columns:1fr 1fr}.refi-layout{grid-template-columns:1fr 1fr}.appreciation{grid-template-columns:1fr;padding:35px;gap:28px}.cta{grid-template-columns:150px 1fr;gap:30px}.three{grid-template-columns:1fr;gap:18px}footer{display:block}footer p{margin-top:18px}}@media(max-width:560px){.payment-grid{grid-template-columns:1fr}.payment-grid article+article{border-left:0;border-top:1px solid var(--line)}.field-grid,.cash-grid,.refi-layout{grid-template-columns:1fr}.compare-head,.compare-row{grid-template-columns:1.15fr .85fr .85fr;gap:8px;font-size:.77rem;padding:11px 8px}.compare-head b{text-align:right}.cta{grid-template-columns:1fr}.cta img{max-width:155px}.presets{align-items:stretch}.presets>span{width:100%}.preset{font-size:.77rem}}
