:root{--forest:#173f35;--sage:#8ea99a;--cream:#f6f4ee;--ink:#26332e;--muted:#64736c;--line:#dce4dd;--white:#fff;--gold:#c5a56a}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font:16px/1.65 system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif}
a{color:var(--forest);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:#386b59}
.wrap{width:min(1120px,92%);margin:auto}.top{background:var(--forest);color:#e8eee9;font-size:.83rem;padding:7px 0}.top .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
header{border-bottom:1px solid var(--line);background:#fff}.head{display:flex;align-items:center;justify-content:space-between;gap:22px;padding:18px 0}.brand{font-family:Georgia,serif;font-size:1.75rem;font-weight:bold;color:var(--forest);text-decoration:none;line-height:1.05}.brand small{display:block;font:600 .65rem/1.8 system-ui,sans-serif;letter-spacing:.19em;color:#6e8c7c}
nav{display:flex;gap:18px;flex-wrap:wrap}nav a{text-decoration:none;font-size:.91rem;font-weight:650}
.hero{background:linear-gradient(120deg,#f6f4ee 0%,#eef3ee 100%);padding:64px 0 56px}.hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:36px;align-items:center}.eyebrow{color:#648574;text-transform:uppercase;font-weight:800;letter-spacing:.13em;font-size:.75rem}
h1,h2,h3{font-family:Georgia,serif;color:var(--forest);line-height:1.18}h1{font-size:clamp(2.5rem,5vw,4.3rem);margin:12px 0 18px;letter-spacing:-.03em}h2{font-size:2rem;margin:0 0 15px}h3{font-size:1.28rem;margin:0 0 9px}
.lead{font-size:1.18rem;color:#4f6259;max-width:680px}.btn{display:inline-block;background:var(--forest);color:#fff!important;text-decoration:none;padding:12px 19px;border-radius:5px;font-weight:750;margin:8px 8px 0 0}.btn.alt{background:#fff;color:var(--forest)!important;border:1px solid var(--sage)}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:25px;box-shadow:0 12px 32px #173f3510}.hero-card strong{color:var(--forest)}
.section{padding:54px 0}.section.tint{background:var(--cream)}.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:23px}.section-head p{max-width:570px;color:var(--muted);margin:0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:10px;padding:22px;background:#fff}.card p{color:var(--muted);margin:7px 0 12px}.tag{display:inline-block;color:#527764;background:#edf3ee;padding:3px 9px;border-radius:20px;font-size:.74rem;font-weight:750;margin-bottom:10px}
.icon{font-size:1.6rem;margin-bottom:9px}.card a{font-weight:750}.ad-slot{border:1px dashed #c7d2ca;background:#fafbf9;color:#77847c;text-align:center;padding:17px;margin:25px auto;font-size:.82rem;border-radius:6px;max-width:970px}
.callout{background:var(--forest);color:#fff;padding:28px;border-radius:10px}.callout h2{color:#fff}.callout p{color:#e0e9e2}
footer{background:#142f29;color:#e5ece7;padding:42px 0 22px}footer a{color:#e5ece7}footer .footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}footer h3{color:#fff;font-size:1.15rem}footer p,footer li{color:#cad6ce;font-size:.9rem}footer ul{list-style:none;padding:0;margin:0}footer li{margin:7px 0}.fine{border-top:1px solid #ffffff25;margin-top:25px;padding-top:16px;font-size:.8rem;color:#b9c9bf}
.article{max-width:800px;margin:auto;padding:45px 0}.article h1{font-size:clamp(2.2rem,4vw,3.4rem)}.article h2{font-size:1.7rem;margin-top:34px}.article p,.article li{font-size:1.02rem}.note{border-left:4px solid var(--sage);background:var(--cream);padding:16px 18px;margin:22px 0}.checklist{padding-left:0;list-style:none}.checklist li{padding:8px 0;border-bottom:1px solid var(--line)}.checklist li:before{content:"□";color:var(--sage);font-weight:bold;margin-right:10px}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:14px}.calc label{display:block;font-weight:700;font-size:.9rem}.calc input{width:100%;padding:11px;border:1px solid #cbd7ce;border-radius:5px;font:inherit;margin:5px 0 12px}.result{background:var(--cream);padding:20px;border-radius:8px}.result strong{font-size:1.8rem;color:var(--forest)}
.small{font-size:.84rem;color:var(--muted)}.breadcrumbs{font-size:.85rem;color:var(--muted);margin-bottom:14px}.breadcrumbs a{color:var(--muted)}
@media(max-width:760px){.hero-grid,.grid,footer .footgrid,.calc{grid-template-columns:1fr}.head{align-items:flex-start;flex-direction:column}.hero{padding:42px 0}.section{padding:38px 0}nav{gap:12px}.section-head{display:block}}

.mortgage-tool h3{margin:22px 0 12px}.mortgage-tool h3:first-child{margin-top:0}.mortgage-tool select,.mortgage-tool input{width:100%;padding:11px;border:1px solid #cbd7ce;border-radius:5px;font:inherit;margin:5px 0 12px;background:#fff}.mortgage-results{margin-top:18px}.mortgage-results>strong{font-size:clamp(2rem,5vw,3rem);display:block}.result-grid{grid-template-columns:repeat(4,1fr);margin-top:18px}.result-grid h3{font-family:system-ui,sans-serif;font-size:1.1rem;margin:5px 0}.calc-message{font-weight:650;margin:12px 0}.calc-message.warning{color:#9b4a18}.calc-message.good{color:#286b48}
@media(max-width:760px){.result-grid{grid-template-columns:1fr 1fr}}