/* Local assets, system fonts and no front-end framework. */
:root{--ink:#202629;--muted:#5b6769;--teal:#235c5a;--teal-dark:#174644;--pale:#e8f2f0;--paper:#fafaf8;--line:#d3ddda;--sand:#eeeae3;--radius:9px;--width:1320px;font-size:16px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.6}img{max-width:100%;height:auto}svg{flex-shrink:0}a{color:var(--teal);text-underline-offset:4px}a:hover{color:var(--teal-dark)}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}button,summary{cursor:pointer}input,select,textarea{max-width:100%;min-width:0}button{border:0}h1,h2,h3,h4,p,ul,ol,dl{margin-top:0}h1,h2,h3{line-height:1.14;letter-spacing:-.035em}h1{font-size:clamp(2.2rem,4.4vw,4.3rem);font-weight:760;margin-bottom:22px}h2{font-size:clamp(1.55rem,2.6vw,2.25rem);font-weight:720;margin-bottom:20px}h3{font-size:1.2rem;font-weight:700}p{margin-bottom:1.25rem}small{font-size:.82rem}strong,b{font-weight:700}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #bc7839;outline-offset:4px}::selection{background:#c4e1dc}.wrap{width:min(var(--width),calc(100% - 64px));margin-inline:auto}.icon{width:36px;height:36px;color:var(--teal)}.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;background:var(--teal);color:white;padding:13px 22px;border-radius:6px;text-decoration:none;font-weight:650;line-height:1.4;min-height:46px}.button:hover{background:var(--teal-dark);color:white}.button.small{padding:10px 14px;font-size:.88rem;white-space:nowrap}.text-button{color:var(--teal);background:transparent;text-decoration:underline;text-underline-offset:3px;padding:10px}.text-link{font-weight:650}.screen-reader-text{border:0;clip:rect(1px,1px,1px,1px);clip-path:inset(50%);height:1px;width:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;word-wrap:normal!important}.skip-link{position:absolute;left:20px;top:-100px;z-index:100000;background:white;padding:15px}.skip-link:focus{top:10px}[hidden]{display:none!important}
.site-header{background:#fff;border-bottom:1px solid #edf0ed;position:relative;z-index:20}.header-inner{display:flex;align-items:center;gap:28px;min-height:108px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--teal);flex-shrink:0}.brand svg{width:54px;height:54px}.brand b{font-size:29px;color:#151b1d;letter-spacing:-1.2px;line-height:1;display:block}.brand small{font-size:10px;letter-spacing:2px;color:var(--ink);line-height:2.3;display:block}.custom-logo-link img{max-height:64px;width:auto}.header-inner nav{margin-left:auto}.menu,.menu ul{padding:0;margin:0;list-style:none}.menu{display:flex;align-items:center;gap:27px}.menu a,.menu summary{font-size:14px;font-weight:650;color:var(--ink);text-decoration:none;white-space:nowrap}.menu details{position:relative}.menu summary{list-style:none}.menu summary:after{content:'⌄';margin-left:7px}.menu details>ul,.menu .sub-menu{position:absolute;top:calc(100% + 18px);left:-16px;min-width:240px;background:white;border:1px solid var(--line);border-radius:8px;box-shadow:0 12px 30px #152e241a;padding:12px}.menu li{position:relative}.menu .sub-menu{display:none}.menu li:hover>.sub-menu,.menu li:focus-within>.sub-menu{display:block}.menu details li a,.menu .sub-menu a{display:block;padding:9px 13px}.menu details li a:hover,.menu .sub-menu a:hover{background:var(--pale)}.header-search{position:relative}.header-search summary{list-style:none;display:flex;padding:8px}.header-search summary::-webkit-details-marker,.menu summary::-webkit-details-marker{display:none}.header-search .icon{width:23px;height:23px}.header-search .search-form{position:absolute;right:0;top:45px;width:360px;padding:20px;background:white;border:1px solid var(--line);box-shadow:0 12px 30px #152e241a}.menu-toggle{display:none}.search-form>div{display:flex;gap:8px}.search-form{max-width:650px}.search-form label{display:block;font-size:.9rem;font-weight:650;margin-bottom:8px}.search-form input{flex:1;width:100%}
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.risk{display:flex;gap:25px;align-items:flex-start;background:var(--sand);border-radius:var(--radius);padding:25px 28px;margin-block:30px}.risk>.icon{margin-top:3px;color:var(--ink);width:32px}.risk>div{flex:1;min-width:0;border-left:1px solid #bbbeb6;padding-left:24px}.risk h2{font-size:1.35rem;letter-spacing:-.02em;margin:0 0 9px}.risk p{font-size:.95rem;line-height:1.65;margin:0}.credit-risk{background:#fff;color:#000;border:1px solid #8b8b8b}.credit-symbol{width:84px;min-height:84px;margin-block:auto}.credit-risk h2{font-size:1.6rem;color:#000}.credit-risk p{color:#000}.provider-warning{background:#f0ede7;padding:18px 20px;border-radius:5px;margin-top:20px;font-size:.88rem}.provider-warning p{margin:8px 0 12px}.provider-warning small{display:block;margin-top:8px;color:var(--muted)}
.document-main{padding-top:38px;padding-bottom:72px;min-height:65vh}.breadcrumbs{display:flex;flex-wrap:wrap;gap:15px;font-size:.84rem;margin-bottom:38px;color:var(--muted)}.page-heading{margin-bottom:34px}.page-heading h1{font-size:clamp(2rem,4vw,3.6rem)}.page-heading .lead{margin-bottom:0}.home-article{padding-top:35px}.entry-content{font-size:1.06rem;line-height:1.85;overflow-wrap:anywhere;display:flow-root}.entry-content:empty{display:none}.entry-content>*,.entry-content .is-layout-constrained>:where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width:none!important;width:auto}.entry-content :where(.alignwide,.alignfull){margin-inline:0!important;width:100%!important;max-width:100%!important}.entry-content h2{margin-top:32px}.entry-content table{border-collapse:collapse;width:100%}.entry-content td,.entry-content th{border:1px solid var(--line);padding:12px}.entry-content blockquote{border-left:3px solid var(--teal);padding:15px 30px;background:var(--pale);margin-inline:0}.entry-content pre{overflow:auto;padding:20px;background:#eef2ef}.entry-content figure{max-width:100%;margin-inline:0}.entry-content ul,.entry-content ol{padding-left:26px}.article-image{width:100%;max-height:600px;object-fit:cover;margin:16px 0 35px}.post-meta{font-size:.85rem;color:var(--muted)}
.filters{display:flex;flex-wrap:wrap;gap:18px;align-items:end;padding:24px;background:var(--pale);border-radius:var(--radius);margin:30px 0}.filters label{flex:1 1 160px;display:flex;flex-direction:column;font-size:.85rem;font-weight:650;gap:8px}.filters select,.filters input{width:100%}.filters>a{padding-block:10px;font-size:.85rem}.results-heading{display:flex;align-items:center;justify-content:space-between;gap:20px;margin:33px 0 20px}.results-heading h2{font-size:1.8rem;margin:0}.results-heading p{display:flex;gap:24px;font-size:.85rem;margin:0}.broker-list{display:grid;gap:16px}.broker-card{border:1px solid var(--line);border-radius:var(--radius);background:white;padding:24px}.broker-row{display:flex;align-items:center;gap:20px}.broker-name{flex:0 1 205px;min-width:135px}.broker-name h3{margin:0 0 6px;font-size:1.12rem;letter-spacing:-.02em;overflow-wrap:anywhere}.broker-name a{text-decoration:none;color:var(--ink)}.broker-name small{color:var(--muted);font-size:.76rem;display:block;overflow-wrap:anywhere}.broker-logo{width:48px;height:48px;object-fit:contain;margin-bottom:8px}.metrics{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;flex:1;margin:0}.metrics>div{border-left:1px solid var(--line);padding-left:14px;min-width:0}.metrics dt{font-size:.74rem;color:var(--muted);margin-bottom:6px;line-height:1.4}.metrics dd{font-size:.88rem;margin:0;line-height:1.5;overflow-wrap:anywhere}.source-links{display:flex;flex-wrap:wrap;gap:10px 24px;font-size:.76rem;margin-top:17px}.source-links>span{color:var(--muted);margin-left:auto}.source-links a{font-weight:600}.empty-state{padding:45px 24px;border:1px dashed var(--line);text-align:center;border-radius:var(--radius);background:white}.empty-state .icon{margin-bottom:15px}.empty-state h3{font-size:1.5rem}.empty-state p{color:var(--muted)}.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin:38px 0}.related-grid .tool-card:first-child{background:var(--pale)}.faq{margin:42px 0}.faq h2{font-size:1.9rem}.faq details{background:white;border:1px solid var(--line);border-radius:7px;padding:17px 22px;margin:12px 0}.faq summary{font-weight:650}.faq p{margin:20px 0 3px;color:#3e4c4c}.selection-bar{display:flex;align-items:center;gap:24px;position:fixed;z-index:30;bottom:16px;left:50%;transform:translateX(-50%);width:min(1320px,calc(100% - 40px));background:var(--teal-dark);color:white;border-radius:10px;padding:17px 24px;box-shadow:0 8px 25px #152e2440}.selection-bar .button{background:white;color:var(--teal-dark);margin-left:auto}.selection-bar .text-button{color:white}.selection-count{font-size:1rem;font-weight:650}.selection-hidden{display:none}.pagination{display:flex;gap:12px;justify-content:center;margin:30px 0}.page-numbers{padding:7px 12px;border:1px solid var(--line);border-radius:4px;text-decoration:none}.page-numbers.current{background:var(--teal);color:white}.pills{display:flex;flex-wrap:wrap;gap:10px}.pills a,.badge{background:var(--pale);color:var(--teal);padding:6px 12px;border-radius:5px;font-size:.8rem;text-decoration:none}.broker-details{margin:40px 0}.broker-details h2{font-size:1.8rem}.detail-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line);border-radius:8px;overflow:hidden}.detail-grid>div{padding:22px;background:white;min-width:0}.detail-grid dt{font-size:.83rem;color:var(--muted);margin-bottom:10px}.detail-grid dd{margin:0;overflow-wrap:anywhere}.comparison-scroll{overflow-x:auto;width:100%;margin:30px 0;border:1px solid var(--line);border-radius:8px;background:white}.comparison-table{border-collapse:collapse;width:100%;min-width:620px}.comparison-table caption{padding:18px;text-align:left;font-weight:650;background:var(--pale)}.comparison-table th,.comparison-table td{border-bottom:1px solid var(--line);border-right:1px solid var(--line);padding:20px;text-align:left;vertical-align:top;max-width:380px;overflow-wrap:anywhere}.comparison-table th{font-size:.9rem}.comparison-table thead{background:var(--pale)}.comparison-table .source-links{display:grid;margin:0}.comparison-table .source-links span{margin:0}.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.guide-card{padding:28px;border:1px solid var(--line);background:white;border-radius:var(--radius)}.guide-card h2{font-size:1.5rem;margin-block:12px}.guide-card h2 a{text-decoration:none;color:var(--ink)}.guide-card small{color:var(--muted)}
.calculator-layout{display:grid;grid-template-columns:1.1fr 1fr;gap:30px;align-items:start;margin-top:30px}.calculator-form,.calculator-result,.account-grid article{padding:30px;border:1px solid var(--line);border-radius:var(--radius);background:white;min-width:0}.calculator-form h2,.calculator-result h2{font-size:1.55rem}.calculator-fields{display:grid;grid-template-columns:1fr 1fr;gap:20px}.calculator-fields label{font-size:.85rem;display:flex;flex-direction:column;justify-content:space-between;gap:8px}.calculator-fields input,.calculator-fields select{width:100%}.calculator-result{background:var(--pale)}.calculated-values{margin:0}.calculated-values>div{padding:15px 0;border-bottom:1px solid #b9cfca}.calculated-values dt{font-size:.84rem;color:#355451}.calculated-values dd{font-size:1.35rem;font-weight:700;margin:6px 0 0;overflow-wrap:anywhere}.calculator-result>p{font-size:.88rem;margin-top:20px;margin-bottom:0}.form-actions{display:flex;align-items:center;gap:18px;margin:26px 0 0}.tool-assumptions{padding:26px 0;margin:20px 0;border-bottom:1px solid var(--line)}.tool-assumptions h2{font-size:1.4rem}.tool-assumptions p{font-size:.9rem}.form-error{color:#9c291d}.scenario-table{border-collapse:collapse;width:100%;margin-top:25px;font-size:.84rem}.scenario-table th,.scenario-table td{border-bottom:1px solid #b9cfca;text-align:left;padding:10px}.insurance-form .comparison-table input,.insurance-form .comparison-table textarea,.insurance-form .comparison-table select{width:100%}.insurance-result:empty{display:none}.insurance-result{margin-top:25px}.account-choices{border:1px solid var(--line);border-radius:8px;padding:20px;margin:30px 0}.account-choices label{display:inline-flex;align-items:center;gap:9px;margin:10px 24px 10px 0}.account-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin-bottom:30px}.account-grid h2{font-size:1.7rem}.account-grid dt{font-weight:700;margin:20px 0 5px}.account-grid dd{margin:0}.comments{margin-top:45px}.comment-form label{display:block}.comment-form textarea{width:100%}.comment-form .submit{background:var(--teal);color:white;padding:14px 25px;border:0;border-radius:6px}
.site-footer{border-top:1px solid var(--line);background:white;margin-top:40px;padding:35px 0}.footer-inner{display:flex;align-items:center;gap:40px;justify-content:space-between}.site-footer .brand svg{width:36px;height:36px}.site-footer .brand b{font-size:22px}.site-footer .brand small{display:none}.site-footer ul{list-style:none;padding:0;margin:0;display:flex;gap:25px;flex-wrap:wrap}.site-footer li a{color:var(--ink);text-decoration:none;font-size:.83rem}.footer-note{padding-top:24px;color:var(--muted);font-size:.78rem;display:flex;justify-content:space-between;gap:20px}.footer-note p{margin:0}body:has(.selection-bar) .site-footer{padding-bottom:130px}
@media(max-width:1180px){.menu{gap:16px}.menu a,.menu summary{font-size:12px}.header-inner{gap:16px}.brand b{font-size:25px}.brand svg{width:46px;height:46px}.hero-grid{gap:55px}.hero-selector{padding:25px}.category-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.broker-row{flex-wrap:wrap}.broker-name{flex:1}.metrics{order:4;flex-basis:100%;padding-top:18px}.tool-card{padding:22px}.footer-inner{align-items:flex-start}}
@media(max-width:900px){.wrap{width:calc(100% - 40px)}.header-inner{min-height:88px;flex-wrap:wrap}.header-inner nav{width:100%;order:4;margin:0;padding-bottom:20px}.menu{justify-content:space-between;flex-wrap:wrap}.menu a,.menu summary{font-size:14px}.header-search{margin-left:auto}.js .menu-toggle{display:block;margin-left:auto;background:transparent;color:var(--ink);font-weight:650;padding:10px}.js .header-search{margin-left:0}.js #site-nav{display:none}.js #site-nav.is-open{display:block}.menu details>ul{position:static;box-shadow:none;margin-top:15px}.hero{padding:50px 0}.hero-grid{grid-template-columns:1fr;gap:45px}.hero h1{font-size:3.5rem;max-width:700px}.hero-selector{box-shadow:-9px -9px 0 #dcebe7,9px 9px 0 #e7efeb;margin-inline:9px}.hero-selector h2{font-size:1.55rem}.tool-grid{grid-template-columns:1fr 1fr}.trust-grid{gap:18px}.trust-grid>div{padding-left:0}.trust-grid span{position:static;display:block;margin-bottom:15px}.trust-band h2{font-size:2.2rem}.detail-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.calculator-layout{grid-template-columns:1fr}.guide-grid{grid-template-columns:1fr 1fr}.footer-inner{flex-direction:column;gap:25px}.account-grid{grid-template-columns:1fr}.selection-bar{gap:15px;padding:14px 17px}.selection-count{font-size:.88rem}}
@media(max-width:600px){.wrap{width:calc(100% - 32px)}.brand b{font-size:22px}.brand small{font-size:8px;letter-spacing:1.4px}.brand svg{width:40px;height:40px}.header-inner{gap:7px}.header-search summary{padding:6px}.menu-toggle{font-size:.83rem}.menu{display:grid;grid-template-columns:1fr 1fr;align-items:start;gap:20px}.menu details ul{min-width:0}.menu details li a{white-space:normal;padding:9px 0}.header-search .search-form{right:-5px;width:min(340px,calc(100vw - 32px))}.hero h1{font-size:2.65rem}.hero .lead{font-size:1.05rem}.hero{padding:35px 0 42px}.hero-grid{gap:32px}.hero-selector{padding:23px}.hero-selector h2{gap:10px;font-size:1.4rem}.hero-selector .icon{width:28px}.category-grid{gap:10px}.category-card{display:block;padding:20px 14px}.category-card strong{font-size:.94rem}.category-card .icon{margin-bottom:12px;width:29px;height:29px}.category-card>span:last-child{display:none}.category-card small{font-size:.8rem}.section{padding-block:34px}.section-heading{align-items:flex-start;flex-direction:column;gap:10px}.section-heading>span{display:none}.trust-band{padding:34px 0}.trust-band h2{font-size:1.9rem}.trust-grid{grid-template-columns:1fr;gap:26px}.trust-grid>div{padding-left:40px}.trust-grid span{position:absolute}.tool-grid,.related-grid,.guide-grid{grid-template-columns:1fr}.risk{padding:20px 17px;gap:13px}.risk>.icon{width:24px}.risk>div{padding-left:14px}.risk h2{font-size:1.12rem}.risk p{font-size:.88rem}.credit-risk{display:block}.credit-symbol{width:72px;min-height:72px;margin-bottom:14px}.credit-risk>div{border:0;padding:0}.credit-risk h2{font-size:1.45rem}.document-main{padding-top:25px}.breadcrumbs{margin-bottom:25px;font-size:.76rem;gap:9px}.page-heading h1{font-size:2.05rem}.lead{font-size:1rem}.filters{padding:18px;gap:15px}.filters label{flex-basis:100%}.filters .button{flex:1}.results-heading{align-items:flex-start;flex-direction:column;gap:10px}.results-heading h2{font-size:1.6rem}.broker-card{padding:20px 15px}.broker-row{gap:14px}.broker-row>.button{order:5;width:100%;margin-top:8px}.broker-name{min-width:0}.metrics{grid-template-columns:1fr 1fr;gap:20px 15px}.source-links>span{margin-left:0;width:100%}.provider-warning{padding:15px;font-size:.85rem}.detail-grid{grid-template-columns:1fr}.selection-bar{bottom:8px;flex-wrap:wrap;width:calc(100% - 16px);gap:8px;padding:12px 15px}.selection-count{flex:1}.selection-bar .button{order:3;width:100%;min-height:41px;font-size:.88rem}.selection-bar .text-button{padding:5px}.faq details{padding:15px;font-size:.9rem}.calculator-fields{grid-template-columns:1fr}.calculator-form,.calculator-result{padding:23px}.form-actions{flex-wrap:wrap}.calculator-result h2{font-size:1.4rem}.calculated-values dd{font-size:1.25rem}.entry-content{font-size:1rem}.site-footer ul{gap:16px 24px}.footer-note{flex-direction:column;gap:12px}.comparison-table th,.comparison-table td{padding:16px}.page-heading{margin-bottom:25px}}
.payoff-chart{display:block;width:100%;height:auto;margin-top:24px;background:white;border-radius:6px}
.js .selection-bar.is-empty{display:none}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{.site-header,.site-footer,.selection-bar,.filters,.form-actions,.menu-toggle{display:none}.wrap{width:100%}.calculator-layout{display:block}.risk,.broker-card,.calculator-result{break-inside:avoid}.comparison-scroll{overflow:visible}.comparison-table{min-width:0}.button{background:none;color:black;border:1px solid gray}}