:root{--forest:#21423d;--deep:#15312d;--rust:#c76542;--sand:#f0e4d1;--cream:#faf7f1;--ink:#20322f;--muted:#6d7773;--line:#d9d5cc;--white:#fff;--sage:#9fc4b4;--shadow:0 24px 65px rgba(31,54,49,.16)}*{box-sizing:border-box}html{scroll-behavior:smooth;overflow-x:hidden}body{margin:0;overflow-x:clip;background:var(--cream);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.55}.shell{width:min(1160px,calc(100% - 40px));margin-inline:auto}.narrow{max-width:900px}.icon{width:20px;height:20px;flex:0 0 auto}a{color:inherit}.skip{position:absolute;left:-9999px;top:8px;background:#fff;padding:10px;z-index:99}.skip:focus{left:8px}header{background:var(--cream);border-bottom:1px solid var(--line)}.nav{height:82px;display:flex;align-items:center;gap:36px}.brand{display:flex;align-items:center;text-decoration:none}.brand>span{width:42px;height:42px;display:grid;place-items:center;background:var(--rust);color:#fff}.brand strong{margin-left:10px;font-size:1.12rem}.brand b{color:var(--rust)}.nav nav{display:flex;gap:26px;margin-left:auto}.nav nav a{text-decoration:none;font-size:.9rem;font-weight:700;padding:29px 0 26px;border-bottom:3px solid transparent}.nav nav a[aria-current=page]{border-color:var(--rust)}.nav-cta,.button{display:inline-flex;align-items:center;gap:9px;background:var(--rust);color:#fff;text-decoration:none;font-weight:800;padding:13px 18px}.hero{background:var(--forest);color:#fff;padding:90px 0 0;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:80px;align-items:center}.eyebrow{margin:0 0 18px;text-transform:uppercase;letter-spacing:.17em;font-size:.73rem;font-weight:800;color:#edb196}.eyebrow.dark{color:var(--rust)}.hero h1{font-size:clamp(3.7rem,6.7vw,6.5rem);line-height:.92;letter-spacing:-.057em;margin:0 0 28px}.hero h1 em{font-style:normal;color:#efaa8f}.hero-grid>div>p:not(.eyebrow){color:#c9d9d4;font-size:1.1rem;max-width:620px;margin-bottom:28px}.button{padding:16px 22px}.house-card{padding:45px 20px 0}.roof{width:0;height:0;border-left:190px solid transparent;border-right:190px solid transparent;border-bottom:105px solid var(--rust);margin:0 auto -1px}.house{background:#fff;color:var(--ink);padding:30px 34px;box-shadow:14px 14px 0 var(--sand)}.house>span{font-size:.72rem;letter-spacing:.13em;font-weight:800;color:var(--muted)}.house>strong{display:block;font-size:3rem;letter-spacing:-.05em}.meter{height:9px;background:#dce5e1;margin:20px 0 8px}.meter i{display:block;width:48%;height:100%;background:var(--rust)}.house-row{display:flex;justify-content:space-between;color:var(--muted)}.house-row b{color:var(--forest)}.key{display:flex;justify-content:space-between;background:var(--forest);color:#fff;padding:15px;margin:24px -12px -12px;font-size:.72rem;letter-spacing:.1em}.key strong{font-size:1rem}.signals{display:grid;grid-template-columns:repeat(3,1fr);margin-top:85px;border-top:1px solid rgba(255,255,255,.2)}.signals span{display:flex;gap:12px;align-items:center;padding:23px 0}.signals span+span{border-left:1px solid rgba(255,255,255,.2);padding-left:30px}.signals .icon{color:#efaa8f}.calculator{background:#fff;padding:105px 0}.heading{display:grid;grid-template-columns:1.2fr .8fr;gap:70px;align-items:end;margin-bottom:45px}.heading h2{font-size:clamp(2.4rem,4vw,4.1rem);line-height:1;letter-spacing:-.045em;margin:0}.heading>p{color:var(--muted);margin:0}.calc-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:30px;align-items:start}form{background:var(--cream);border:1px solid var(--line);padding:29px}.form-head{display:flex;justify-content:space-between;border-bottom:1px solid var(--line);padding-bottom:16px;margin-bottom:24px}.form-head span{font-size:.72rem;letter-spacing:.13em;font-weight:800;color:var(--rust)}label{display:block;margin-bottom:22px}label>span{display:block;font-size:.84rem;font-weight:800;margin-bottom:8px}.field{position:relative}.field input{width:100%;font:inherit;color:var(--ink);background:#fff;border:1px solid #bfc8c4;padding:14px 74px 14px 14px;outline:0}.field input:focus{border-color:var(--rust);box-shadow:0 0 0 3px rgba(199,101,66,.12)}.field i{font-style:normal;position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:700}.pair{display:grid;grid-template-columns:1fr 1fr;gap:14px}.error{color:#a23229;font-weight:700;margin:0}.error:not(:empty){margin-bottom:17px}.private{display:flex;align-items:center;gap:8px;border-top:1px solid var(--line);padding-top:16px;margin:0;color:var(--muted);font-size:.8rem}.private .icon{width:16px}.result{background:var(--sand);padding:30px;box-shadow:var(--shadow)}.result-head{display:flex;justify-content:space-between;color:var(--muted);font-size:.72rem;letter-spacing:.12em;font-weight:800}.result>strong{display:block;font-size:clamp(3rem,5vw,4.6rem);letter-spacing:-.055em;line-height:1.05;color:var(--rust);margin-top:27px}.result>small{color:var(--muted)}.stack{display:flex;height:34px;margin-top:25px;overflow:hidden}.stack>div{min-width:0;display:grid;place-items:center;font-size:.65rem;font-weight:800;overflow:hidden;color:#fff}.stack .down{background:#8d4b35}.stack .credit{background:var(--rust)}.stack .final{background:var(--forest)}.result dl{margin:22px 0}.result dl div{display:flex;justify-content:space-between;gap:20px;padding:13px 0;border-top:1px solid rgba(32,50,47,.16)}.result dt{color:var(--muted)}.result dd{font-weight:800;margin:0;text-align:right}.ratio{background:#fff;margin:0;padding:16px;border-left:4px solid var(--rust)}.ratio b{color:var(--rust)}.breakdown{padding-top:95px}.heading.small h2{font-size:3rem}.table-wrap{overflow:auto}table{border-collapse:collapse;width:100%;font-size:.9rem}th,td{text-align:right;white-space:nowrap;padding:16px;border-bottom:1px solid var(--line)}th:first-child,td:first-child{text-align:left}thead{background:var(--forest);color:#fff}tbody tr:nth-child(even){background:#f3eee6}tbody th{color:var(--rust)}tfoot{font-weight:800;background:var(--sand)}.questions{background:var(--deep);color:#fff;padding:100px 0}.heading.inverse a{justify-self:end;display:flex;gap:9px;align-items:center;text-decoration:none;font-weight:800}.question-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(255,255,255,.2)}.question-grid article{padding:34px 25px 0 0}.question-grid article+article{border-left:1px solid rgba(255,255,255,.2);padding-left:25px}.question-grid span{color:#efaa8f;font-weight:800}.question-grid h3{font-size:1.4rem;margin:20px 0 9px}.question-grid p{color:#b8cbc5}.disclaimer{background:var(--rust);color:#fff;padding:25px 0}.disclaimer>.shell{display:flex;align-items:center;gap:25px}.disclaimer b{white-space:nowrap}.disclaimer p{margin:0}.subhero{background:var(--forest);color:#fff;padding:95px 0}.subhero.compact{padding:65px 0}.subhero h1{font-size:clamp(3.2rem,6vw,5.7rem);line-height:.96;letter-spacing:-.052em;margin:0}.prose{padding:80px 0}.prose section{display:grid;grid-template-columns:180px 1fr;gap:55px;padding:38px 0;border-bottom:1px solid var(--line)}.chapter{font-size:.72rem;letter-spacing:.13em;color:var(--rust);font-weight:800}.prose h2{font-size:2rem;line-height:1.15;margin:0 0 12px}.prose p{color:var(--muted);max-width:750px}.compare{padding:80px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.compare article{background:#fff;padding:30px;border-top:4px solid var(--rust)}.compare article>span{font-size:.72rem;letter-spacing:.12em;color:var(--rust);font-weight:800}.compare h2{font-size:1.5rem;margin:18px 0 10px}.compare p{color:var(--muted)}.compare-note{grid-column:1/-1;background:var(--sand);padding:28px}.compare-note p{margin:6px 0 0}.faq{padding:75px 0}.faq details{background:#fff;border-bottom:1px solid var(--line);padding:0 25px}.faq summary{cursor:pointer;padding:23px 0;font-weight:800;font-size:1.08rem}.faq p{color:var(--muted);max-width:800px;padding-bottom:22px}.legal{padding:70px 0;max-width:850px}.legal h2{margin-top:32px}.legal a{color:var(--rust)}.notfound{background:var(--forest);color:#fff;min-height:65vh;padding:100px 0}.notfound span{font-size:5rem;color:#efaa8f;font-weight:900}.notfound h1{font-size:3.5rem}.notfound .button{margin-top:20px}footer{background:#0e2521;color:#fff;padding:65px 0 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:60px}.footer-grid>div{display:flex;flex-direction:column;align-items:flex-start;gap:8px}.footer-grid a{text-decoration:none;color:#bed0ca}.footer-grid p{color:#879f98;margin-top:15px}.footer-grid b{margin-bottom:6px}.footer-brand strong{color:#fff}.foot{display:flex;justify-content:space-between;border-top:1px solid rgba(255,255,255,.14);padding-top:22px;margin-top:45px;color:#819891;font-size:.8rem}@media(max-width:950px){.nav nav{display:none}.nav-cta{margin-left:auto}.hero-grid,.calc-grid{grid-template-columns:1fr}.house-card{max-width:520px}.signals{grid-template-columns:1fr}.signals span+span{border-left:0;padding-left:0}.signals span{border-bottom:1px solid rgba(255,255,255,.2)}.heading{grid-template-columns:1fr;gap:18px}.question-grid{grid-template-columns:1fr 1fr}.question-grid article:nth-child(3){border-top:1px solid rgba(255,255,255,.2)}.footer-grid{grid-template-columns:1.5fr 1fr 1fr}}@media(max-width:640px){.shell{width:min(100% - 28px,1160px)}.nav{height:70px}.brand strong{font-size:.94rem}.nav-cta{font-size:0;width:44px;height:42px;padding:0;justify-content:center}.hero{padding-top:60px}.hero h1{font-size:3.55rem}.house-card{padding:35px 12px 0 0}.roof{border-left-width:170px;border-right-width:170px;border-bottom-width:90px}.house{padding:24px 20px}.house>strong{font-size:2.45rem}.signals{margin-top:65px}.calculator,.questions{padding:70px 0}.heading h2{font-size:2.6rem}.pair{grid-template-columns:1fr}.result{padding:25px 20px}.result>strong{font-size:3.2rem}.stack span{display:none}.breakdown{padding-top:70px}.heading.small h2{font-size:2.5rem}.question-grid{grid-template-columns:1fr}.question-grid article+article{border-left:0;padding-left:0;border-top:1px solid rgba(255,255,255,.2)}.disclaimer>.shell{flex-direction:column;align-items:flex-start;gap:6px}.disclaimer b{white-space:normal}.subhero{padding:70px 0}.subhero h1{font-size:3.25rem}.prose{padding:55px 0}.prose section{grid-template-columns:1fr;gap:5px}.compare{grid-template-columns:1fr;padding:55px 0}.faq,.legal{padding-block:55px}.footer-grid{grid-template-columns:1fr;gap:35px}.foot{gap:15px}.notfound h1{font-size:2.7rem}}