:root{--bg: #f3efe4;--bg-accent: #e8dcc1;--card: #fffaf0;--ink: #1f2a1b;--muted: #5f6955;--line: #d6c7a8;--accent: #0f766e;--radius: 18px;--shadow: 0 16px 45px rgba(51, 44, 27, .12);--display: "Fraunces", Georgia, serif;--body: "Manrope", "Segoe UI", sans-serif}*{box-sizing:border-box}body{margin:0;min-height:100vh;font-family:var(--body);color:var(--ink);background:radial-gradient(circle at 12% 0%,rgba(15,118,110,.14),transparent 28%),radial-gradient(circle at 96% 92%,rgba(185,101,12,.13),transparent 34%),repeating-linear-gradient(45deg,rgba(255,255,255,.22) 0px,rgba(255,255,255,.22) 2px,transparent 2px,transparent 16px),linear-gradient(160deg,var(--bg) 0%,var(--bg-accent) 100%)}.bg-orb{position:fixed;width:220px;height:220px;filter:blur(60px);opacity:.45;pointer-events:none;z-index:0}.bg-orb-left{top:-80px;left:-70px;background:#0f766e52}.bg-orb-right{bottom:-80px;right:-70px;background:#aa610e47}.page{position:relative;z-index:1;width:min(1120px,calc(100% - 24px));margin:18px auto 42px;display:grid;gap:14px}.card{background:linear-gradient(165deg,#fffcf5f5,#fff8eaeb);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);backdrop-filter:blur(2px);animation:rise .45s ease both}.site-header{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:12px 14px;flex-wrap:wrap}.brand{text-decoration:none;color:var(--ink);font-weight:700;letter-spacing:.02em}.site-header nav{display:flex;gap:8px;flex-wrap:wrap}.site-header nav a{text-decoration:none;color:var(--muted);font-size:.86rem;font-weight:700;border:1px solid transparent;border-radius:999px;padding:6px 10px}.site-header nav a:hover,.site-header nav a.active{color:var(--accent);border-color:var(--line);background:#fff}.hero{padding:20px 22px}.hero h1,.hero h2{margin:0;font-family:var(--display);font-size:clamp(1.8rem,3.1vw,2.6rem);line-height:1.05}.hero p{margin:10px 0 0;color:var(--muted);max-width:72ch}.section{padding:18px}.section h2{margin:0 0 10px;font-size:1.28rem;font-family:var(--display)}.section p{color:var(--muted);margin:0;line-height:1.6}.grid{display:grid;gap:14px;grid-template-columns:repeat(2,minmax(0,1fr))}.mortgage-app{display:grid;gap:14px}.kicker{margin:0;color:var(--accent);letter-spacing:.12em;text-transform:uppercase;font-size:.75rem;font-weight:700}.lede{margin:0;color:var(--muted);max-width:66ch}.panel{padding:18px}.panel h2{margin:2px 0 14px;font-size:1.35rem;font-family:var(--display)}form label{display:grid;gap:6px;margin-bottom:11px}label span{font-size:.9rem;color:var(--muted);font-weight:600}input,select{width:100%;border:1px solid var(--line);border-radius:12px;padding:11px 12px;font:inherit;background:#fff;color:var(--ink);transition:border-color .2s ease,box-shadow .2s ease}input:focus,select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px #0f766e2e}.metrics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.metrics article{border-radius:12px;border:1px solid var(--line);padding:12px;background:#fffdf7}.metrics p{margin:0;color:var(--muted);font-size:.82rem}.metrics strong{margin-top:8px;display:block;font-size:1.15rem;letter-spacing:-.015em}.table-header{display:flex;align-items:baseline;justify-content:space-between;gap:10px;margin-bottom:8px}.table-header p{margin:0;font-size:.84rem;color:var(--muted)}.table-wrap{overflow:auto;border-radius:12px;border:1px solid var(--line);background:#fff}table{width:100%;border-collapse:collapse;min-width:700px}th,td{text-align:left;padding:10px 12px;border-bottom:1px solid #eee4cb;font-size:.87rem;white-space:nowrap}thead th{background:#f8f2e4;font-size:.75rem;letter-spacing:.08em;text-transform:uppercase;color:#5b5b41}tbody tr:hover{background:#0f766e0f}.link-card{display:block;text-decoration:none;color:inherit;padding:14px;border-radius:14px;border:1px solid var(--line);background:#fffdf7}.link-card h3{margin:0;font-size:1rem}.link-card p{margin:8px 0 0;font-size:.9rem}.bullet-list{margin:0;padding-left:18px;color:var(--muted);line-height:1.7}.faq-list{display:grid;gap:10px}.faq-item{border:1px solid var(--line);border-radius:12px;background:#fffdf7;padding:12px}.faq-item h3{margin:0;font-size:1rem}.faq-item p{margin:8px 0 0}@keyframes rise{0%{opacity:0;transform:translateY(7px)}to{opacity:1;transform:translateY(0)}}@media(max-width:860px){.grid,.metrics{grid-template-columns:1fr}}