:root{--navy:#1F3A93;--navy-d:#172c70;--gold:#CBA135;--gold-l:#f6ecd1;--off:#F8F5F2;--taupe:#DAD2C8;--char:#4A4A4A;--white:#fffdfb;--mute:#6b6560;
--serif:"Playfair Display","Libre Baskerville",Georgia,serif;--sans:"Open Sans",Lato,system-ui,-apple-system,sans-serif}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--off);color:var(--char);font:400 16px/1.6 var(--sans);-webkit-text-size-adjust:100%}
a{color:var(--navy)}
img{max-width:100%;display:block}
[hidden]{display:none!important}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px;z-index:9}
h1,h2,h3{font-family:var(--serif);color:var(--navy);font-weight:700;line-height:1.15;margin:0}
h1 em,h2 em{font-style:italic;font-weight:500;color:var(--gold)}
.kicker{font:700 12px/1 var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin:0 0 14px}
/* top bar */
.topbar{background:var(--off);border-bottom:1px solid var(--taupe);position:sticky;top:0;z-index:5}
.topbar-in{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{height:50px;width:auto}
.toplink{font:600 13px var(--sans);text-decoration:none;color:var(--navy);border:1px solid var(--navy);border-radius:999px;padding:7px 14px}
/* hero */
.hero{padding:44px 0 40px;background:linear-gradient(180deg,var(--off) 0%,#f1ece6 100%);border-bottom:1px solid var(--taupe)}
.hero-in{display:grid;grid-template-columns:1fr;gap:32px;align-items:center}
.hero h1{font-size:clamp(36px,9vw,60px);letter-spacing:-.01em}
.intro{font-size:17px;margin:20px 0 26px;max-width:620px}
.hero-photo{display:none;margin:0}
@media(min-width:900px){.hero-in{grid-template-columns:minmax(0,1fr) 280px}.hero-photo{display:block}}
.hero-photo img{width:280px;height:280px;object-fit:cover;border-radius:50% 50% 16px 16px;border:5px solid var(--white);box-shadow:0 10px 30px rgba(31,58,147,.18)}
.hero-photo figcaption{margin-top:14px;text-align:center;font:600 italic 18px var(--serif);color:var(--navy)}
.hero-photo figcaption span{font:600 11px var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--gold);font-style:normal}
/* buttons */
.btn{display:inline-block;text-decoration:none;font:700 15px/1 var(--sans);border-radius:999px;padding:14px 22px;border:0;cursor:pointer;transition:transform .15s,background .15s;text-align:center}
.btn:active{transform:scale(.98)}
.btn-big{background:var(--navy);color:var(--off);font-size:17px;padding:18px 30px;box-shadow:0 8px 22px rgba(31,58,147,.22);border-bottom:3px solid var(--gold)}
.btn-big:hover{background:var(--navy-d)}
.btn-gold{background:var(--gold);color:var(--navy);font-size:17px;padding:18px 30px}
.btn-gold:hover{background:#d7b04a}
.btn-sm{background:var(--navy);color:var(--off);padding:11px 18px;font-size:14px}
.btn-full{width:100%}
/* steps */
.calc{padding:28px 0 20px}
.step{background:var(--white);border:1px solid var(--taupe);border-radius:20px;padding:26px 20px 24px;margin:0 0 22px;box-shadow:0 2px 0 rgba(74,74,74,.04);scroll-margin-top:76px}
@media(min-width:760px){.step{padding:34px 36px 32px}}
.step-n{font:700 11.5px/1 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin:0 0 8px}
.step h2{font-size:clamp(28px,7vw,38px)}
.lede{margin:10px 0 22px;font-size:15.5px}
.field{margin:0 0 16px;border:0;padding:0;min-width:0}
.field label,.field legend{display:block;font:700 14px var(--sans);color:var(--navy);margin:0 0 7px;padding:0}
.field-row{display:grid;grid-template-columns:1fr;gap:0 16px}
@media(min-width:600px){.field-row{grid-template-columns:1fr 1fr}}
.grid2{display:grid;grid-template-columns:1fr;gap:0 16px}
@media(min-width:600px){.grid2{grid-template-columns:1fr 1fr}.span2{grid-column:1/-1}}
select,input[type=text],input:not([type]),input[type=email],input[type=tel],input[type=month]{width:100%;font:400 16px var(--sans);color:var(--char);background:#fff;border:1.5px solid var(--taupe);border-radius:12px;padding:12px 13px;min-height:48px;-webkit-appearance:none;appearance:none}
select{background-image:linear-gradient(45deg,transparent 50%,var(--navy) 50%),linear-gradient(135deg,var(--navy) 50%,transparent 50%);background-position:calc(100% - 20px) 21px,calc(100% - 15px) 21px;background-size:5px 5px;background-repeat:no-repeat;padding-right:36px}
select:focus,input:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(31,58,147,.15)}
.money-in{display:flex;align-items:center;background:#fff;border:1.5px solid var(--taupe);border-radius:12px;padding:0 12px;min-height:48px}
.money-in:focus-within{border-color:var(--navy);box-shadow:0 0 0 3px rgba(31,58,147,.15)}
.money-in span{font-weight:700;color:var(--mute)}
.money-in em{font-style:normal;color:var(--mute);font-size:14px;white-space:nowrap}
.money-in input{border:0!important;box-shadow:none!important;padding:12px 6px;min-height:0;background:transparent}
.hint{font-size:12.5px;color:var(--mute);margin:6px 0 0;line-height:1.45}
.check{display:flex!important;align-items:center;gap:10px;cursor:pointer}
.check input{width:20px;height:20px;accent-color:var(--navy)}
#flood-wrap{margin-top:10px;max-width:280px}
.extra{background:var(--gold-l);border-radius:14px;padding:14px 14px 12px;margin-top:4px}
/* segmented */
.seg{display:grid;grid-template-columns:1fr;gap:10px}
@media(min-width:520px){.seg{grid-template-columns:1fr 1fr}}
.seg-2{grid-template-columns:1fr 1fr}
.seg-opt{position:relative;cursor:pointer;margin:0!important}
.seg-opt input{position:absolute;opacity:0;pointer-events:none}
.seg-opt span{display:block;border:1.5px solid var(--taupe);border-radius:14px;padding:12px 14px;background:#fff;min-height:48px;transition:all .15s}
.seg-opt strong{display:block;font:700 15px var(--sans);color:var(--navy)}
.seg-opt small{display:block;font-size:12.5px;color:var(--mute);margin-top:2px;font-weight:400}
.seg-opt input:checked+span{border-color:var(--navy);background:var(--navy);box-shadow:inset 0 -3px 0 var(--gold)}
.seg-opt input:checked+span strong{color:var(--off)}
.seg-opt input:checked+span small{color:#d9dcef}
.seg-opt input:focus-visible+span{outline:3px solid rgba(31,58,147,.3)}
.mode{margin-bottom:16px}
.bases{margin-top:12px;font-size:14px;background:var(--off);border-radius:12px;padding:10px 14px}
.bases summary{cursor:pointer;font-weight:700;color:var(--navy)}
.bases p{margin:10px 0 0}
.zipcheck{margin-top:14px}
.zipcheck label{font-weight:700;color:var(--navy);display:block;margin-bottom:6px}
.zipcheck .row{display:flex;gap:8px}.zipcheck .row input{max-width:160px}
.zip-out{margin:8px 0 0;font-weight:600}
/* outputs */
.bah-card,.result{border-radius:16px;background:var(--navy);color:var(--off);padding:20px;margin-top:8px}
.empty{color:#d9dcef;font-size:15px;text-align:center;padding:10px 4px;font-style:italic}
.label{font:700 11px/1.3 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin:0 0 6px}
.big{font:700 clamp(40px,12vw,56px)/1 var(--serif);color:var(--off);margin:0}
.bah-meta,.res-sub{margin:8px 0 0;color:#d9dcef;font-size:14px}
.src{font-size:11.5px;color:#b9bfdc;margin:14px 0 0;border-top:1px solid rgba(248,245,242,.15);padding-top:10px}
.src a{color:var(--off)}
.bd{width:100%;border-collapse:collapse;margin-top:16px;font-size:15px}
.bd th{text-align:left;font-weight:400;color:#d9dcef;padding:8px 0;border-bottom:1px solid rgba(248,245,242,.14)}
.bd td{text-align:right;font-weight:700;padding:8px 0;border-bottom:1px solid rgba(248,245,242,.14);font-variant-numeric:tabular-nums}
.bd .tot th,.bd .tot td{color:var(--gold);font-size:17px;border-bottom:0;padding-top:12px}
.loan-line{font-size:12.5px;color:#b9bfdc;margin:10px 0 0}
.pos{color:#f1b4a8}.neg{color:#b9e3c2}
/* step 3 */
.empty-big{background:var(--off);border:1.5px dashed var(--taupe);border-radius:16px;padding:26px 18px;color:var(--mute);margin-top:14px}
.empty-big p{margin:4px 0}
.empty-t{font:700 18px var(--sans);color:var(--char);font-style:normal}
.compare{display:grid;grid-template-columns:1fr;gap:12px;margin:16px 0 0}
@media(min-width:600px){.compare{grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}}
.cmp{border:1.5px solid var(--taupe);border-radius:14px;padding:16px;background:#fff}
.cmp.hl{border-color:var(--gold);background:var(--gold-l)}
.cmp .label{color:#8a6a17}
.cmp .v{font:700 30px/1.1 var(--serif);color:var(--navy);margin:2px 0 4px}
.cmp p{margin:0;font-size:13.5px;color:var(--mute)}
.realtalk{margin:16px 0 0;font-size:15px;border-left:3px solid var(--gold);padding:4px 0 4px 12px}
.lead{margin-top:26px;border-top:1px solid var(--taupe);padding-top:22px}
.lead h3{font-size:24px}
.lead>p{margin:8px 0 18px;font-size:15px}
.opt{font-weight:400;color:var(--mute)}
.hp{position:absolute;left:-5000px}
.tiny{font-size:12px;color:var(--mute);text-align:center;margin:10px 0 0}
.form-err{color:#9b2c1f;font-weight:600;font-size:14px}
.thanks{background:var(--gold-l);border-radius:16px;padding:22px 20px;outline:none}
.thanks h3{font-size:26px}
.thanks p{margin:8px 0 16px}
.thanks-btns{display:flex;flex-direction:column;gap:10px}
@media(min-width:600px){.thanks-btns{flex-direction:row;flex-wrap:wrap}}
/* explainer */
.explain{padding:44px 0 30px}
.explain h2{font-size:clamp(28px,7vw,40px);margin-bottom:10px}
.explain h3{font-size:21px;margin:26px 0 6px}
.explain p{margin:6px 0;font-size:16px}
.cta-box{margin-top:34px;background:var(--white);border:1px solid var(--taupe);border-radius:18px;padding:22px 20px;display:flex;flex-direction:column;gap:16px}
.cta-box p{margin:0 0 14px}
.headshot{width:110px;height:110px;border-radius:50%;object-fit:cover;border:4px solid var(--gold)}
@media(min-width:700px){.cta-box{flex-direction:row;align-items:center;gap:26px}.headshot{flex:0 0 120px;width:120px;height:120px}}
.fine{padding:10px 0 40px}
.fine-h{font-size:22px;margin-bottom:8px}
.fine p{font-size:13px;color:var(--mute);margin:8px 0;line-height:1.55}
.fine a{color:var(--mute)}
.fh{font-weight:600}
/* footer */
.footer{background:var(--char);color:#e8e3dc;padding:40px 0 48px;font-size:13px;text-align:center}
.footer-logo{width:110px;height:auto;margin:0 auto 16px;background:var(--off);border-radius:12px;padding:8px}
.footer p{margin:8px auto;max-width:720px}
.footer a{color:var(--gold);text-decoration:none}
.legal{font-weight:600}
.disclaimer{color:#bdb6ad;font-size:12px}