.nav-center a:hover,.nav-center a.active{color:var(--primary)}.rate-finder-widget{background:var(--white);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow-lg);margin-top:24px}@keyframes slideIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}.form-group input,.form-group select,.form-group textarea{padding:12px;border:1px solid var(--border);border-radius:var(--radius-sm);font-family:inherit;font-size:0.95rem;transition:var(--transition);width:100%;box-sizing:border-box}.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px rgba(27,107,90,0.1)}.form-group textarea{resize:vertical}section.alternate{background:var(--light-bg)}.process-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:40px;margin-top:60px}.step{position:relative;text-align:center}.step-number{width:70px;height:70px;background:linear-gradient(135deg,var(--primary) 0%,var(--secondary) 100%);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:2rem;font-weight:700;margin:0 auto 20px;box-shadow:var(--shadow)}.step h3{color:var(--dark);margin-bottom:12px}.step p{color:var(--light-text);font-size:0.95rem}.step::after{content:'→';position:absolute;right:-50px;top:35px;font-size:2rem;color:var(--accent);display:none}.step:last-child::after{display:none}@media (min-width:1025px){.step::after{display:block}}.rate-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:32px;transition:var(--transition);box-shadow:var(--shadow);position:relative}.rate-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg)}.rate-term{color:var(--light-text);font-size:0.9rem;margin-bottom:12px}.rate-percentage{font-size:2.8rem;font-weight:700;color:var(--primary);margin-bottom:8px}.rate-percentage-small{font-size:1rem;color:var(--light-text)}.rate-payment{background:var(--light-bg);padding:16px;border-radius:var(--radius-sm);margin:20px 0;text-align:center}.rate-payment-label{font-size:0.85rem;color:var(--light-text);margin-bottom:6px}.rate-payment-amount{font-size:1.6rem;font-weight:700;color:var(--dark)}.rate-payment-small{font-size:0.8rem;color:var(--light-text)}.rate-card button{width:100%;margin-top:20px}.rate-disclaimer{font-size:0.75rem;color:var(--light-text);margin-top:16px;border-top:1px solid var(--border);padding-top:12px}.rate-updated{font-size:0.8rem;color:var(--light-text);margin-top:12px}.rate-table-container{background:var(--white);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}.rate-slider-wrapper{display:flex;align-items:center;gap:20px;margin-bottom:30px;padding:24px;background:var(--warm-bg);border-radius:0}.rate-slider-label{font-weight:700;color:var(--dark);min-width:140px}.rate-slider-value{font-size:1.3rem;font-weight:700;color:var(--primary);min-width:120px;text-align:right}.rate-slider{flex:1;-webkit-appearance:none;width:100%;height:8px;border-radius:4px;background:var(--border);outline:none;cursor:pointer}.rate-slider::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--primary);cursor:pointer;border:3px solid white;box-shadow:0 2px 6px rgba(0,0,0,0.2)}.rate-slider::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:var(--primary);cursor:pointer;border:3px solid white;box-shadow:0 2px 6px rgba(0,0,0,0.2)}.rate-table{width:100%;border-collapse:collapse}.rate-table-header{display:grid;grid-template-columns:50px 1fr 1fr 1fr;padding:12px 16px;color:#4E6E68;font-size:0.9rem;font-weight:600;border-bottom:2px solid var(--border);background:var(--light-bg)}.rate-row{display:grid;grid-template-columns:50px 1fr 1fr 1fr;padding:16px;align-items:center;border-bottom:1px solid var(--border);transition:var(--transition);cursor:pointer;gap:0}.rate-row:hover{background:var(--warm-bg)}.rate-row:nth-child(even){background:rgba(245,249,248,0.5)}.rate-row:nth-child(even):hover{background:var(--warm-bg)}.rate-row-toggle{width:28px;height:28px;border-radius:50%;border:2px solid var(--primary);background:transparent;display:flex;align-items:center;justify-content:center;cursor:pointer;transition:var(--transition);padding:0;flex-shrink:0;align-self:center;position:relative;font-size:0;color:transparent}.rate-row-toggle::before,.rate-row-toggle::after{content:'';position:absolute;background:var(--primary);border-radius:1px}.rate-row-toggle::before{width:12px;height:2px;top:50%;left:50%;transform:translate(-50%,-50%)}.rate-row-toggle::after{width:2px;height:12px;top:50%;left:50%;transform:translate(-50%,-50%)}.rate-row-toggle:hover{transform:scale(1.05)}.rate-row-toggle.active{background:var(--primary)}.rate-row-toggle.active::before,.rate-row-toggle.active::after{background:white}.rate-row-toggle.active::after{display:none}.rate-row .term{font-weight:700;font-size:1.05rem;color:var(--dark)}.rate-row .rate{font-size:1.2rem;font-weight:700;color:var(--primary)}.rate-row .payment{font-size:1.05rem;font-weight:600;color:var(--dark)}.rate-row .payment span{font-size:0.95rem;color:var(--primary);font-weight:700}.rate-row-detail{max-height:0;overflow:hidden;transition:max-height 0.3s ease;padding:0 16px;border-bottom:1px solid var(--border)}.rate-row-detail.active{max-height:200px;padding:16px;background:var(--warm-bg)}.rate-row-detail p{color:var(--light-text);line-height:1.6;margin:0;font-size:0.95rem}.lenders-section{text-align:center;padding:60px 24px;background:var(--white)}.lenders-heading{color:var(--light-text);font-size:0.95rem;margin-bottom:40px;font-weight:600}.lenders-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:24px;max-width:1100px;margin:0 auto;align-items:center;justify-items:center}.lender-logo{background:#fff;padding:16px 20px;border-radius:var(--radius-sm);width:100%;height:80px;display:flex;align-items:center;justify-content:center;transition:var(--transition);border:1px solid var(--border)}.lender-logo img{max-width:100%;height:48px;object-fit:contain;filter:grayscale(100%);opacity:0.7;transition:var(--transition)}.lender-logo:hover img{filter:grayscale(0%);opacity:1}.lender-logo:hover{border-color:var(--primary);box-shadow:0 2px 8px rgba(0,0,0,0.08)}.lender-fallback{display:none;align-items:center;justify-content:center;font-weight:700;color:var(--light-text);font-size:0.85rem;text-align:center}.lender-logo:hover .lender-fallback{color:var(--primary)}.comparison-chart{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:50px}.comparison-item{background:var(--white);padding:36px 32px;border-radius:var(--radius);text-align:left;border:1px solid var(--border);transition:var(--transition)}.comparison-item.highlighted{border-color:var(--primary);border-width:2px;background:var(--light-bg);box-shadow:var(--shadow-lg)}.comparison-label{color:var(--light-text);font-size:0.8rem;margin-bottom:8px;font-weight:600;text-transform:uppercase;letter-spacing:0.05em}.comparison-item.highlighted .comparison-label{color:var(--primary)}.comparison-rate{font-family:Georgia,'Times New Roman',serif;font-size:1.5rem;font-weight:700;color:var(--dark-text);margin-bottom:20px;padding-bottom:20px;border-bottom:1px solid var(--border)}.comparison-item.highlighted .comparison-rate{color:var(--primary)}.comparison-list{list-style:none;padding:0;margin:0}.comparison-list li{position:relative;padding-left:24px;margin-bottom:12px;font-size:0.95rem;color:var(--dark-text);line-height:1.5}.comparison-list li::before{content:'—';position:absolute;left:0;color:var(--light-text)}.comparison-item.highlighted .comparison-list li::before{content:'✓';color:var(--primary);font-weight:700}.comparison-list li:last-child{margin-bottom:0}.social-proof-toast{position:fixed;bottom:120px;right:24px;background:var(--white);padding:16px 20px;border-radius:var(--radius-sm);box-shadow:var(--shadow-lg);z-index:400;max-width:300px;animation:slideInRight 0.4s ease}@keyframes slideInRight{from{opacity:0;transform:translateX(100%)}to{opacity:1;transform:translateX(0)}}.toast-avatar{width:40px;height:40px;background:linear-gradient(135deg,var(--primary) 0%,var(--secondary) 100%);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--white);font-family:Georgia,'Times New Roman',serif;font-weight:700;font-size:2.08rem;margin-bottom:12px}.toast-text{font-size:0.9rem;color:var(--dark);line-height:1.5}.ltt-breakdown{font-size:0.85rem}.ltt-breakdown .ltt-row{display:flex;justify-content:space-between;padding:4px 0;color:var(--light-text)}.ltt-breakdown .ltt-row .ltt-bracket{flex:1}.ltt-breakdown .ltt-row .ltt-amount{font-weight:600;color:var(--dark-text);text-align:right;min-width:80px}.calculator-wrapper{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start;margin-top:50px}.calculator-form{background:var(--white);padding:32px;border-radius:var(--radius);box-shadow:var(--shadow)}.calculator-form .form-group{margin-bottom:24px}.form-group label{display:block;margin-bottom:8px}.calculator-form input[type="range"]{width:100%;height:6px;border-radius:3px;background:var(--border);outline:none;-webkit-appearance:none}.calculator-form input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:var(--primary);cursor:pointer;box-shadow:0 2px 8px rgba(27,107,90,0.3)}.calculator-form input[type="range"]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--primary);cursor:pointer;border:none}.slider-label-row{display:flex;align-items:center;justify-content:space-between;margin-bottom:8px}.slider-label-row label{font-weight:600;color:var(--dark-text);font-size:0.95rem;margin-bottom:0}.slider-input-wrap{display:flex;align-items:center;border:1.5px solid var(--border);border-radius:6px;padding:5px 12px;background:var(--white);transition:border-color 0.2s;min-width:120px}.slider-input-wrap:focus-within{border-color:var(--primary);box-shadow:0 0 0 2px rgba(27,107,90,0.12)}.slider-input-prefix{color:var(--medium);font-weight:600;font-size:0.95rem;user-select:none;line-height:1;margin-right:4px}.slider-input-suffix{color:var(--medium);font-weight:600;font-size:0.95rem;user-select:none;line-height:1;margin-left:2px}.slider-text-input{border:none;outline:none;background:transparent;font-size:0.95rem;font-weight:600;color:var(--dark-text);width:100px;text-align:right;font-family:inherit;padding:2px 0}.slider-text-input.slider-text-sm{width:52px;text-align:right}@media (max-width:600px){.slider-text-input{width:100px}.slider-text-input.slider-text-sm{width:52px}.slider-input-wrap{padding:3px 8px}}.range-values{display:flex;justify-content:space-between;align-items:center;margin-top:8px;font-weight:600;color:var(--dark)}.calculator-results{background:var(--light-bg);padding:32px;border-radius:var(--radius);border:2px solid var(--border)}.result-item{margin-bottom:24px;padding-bottom:24px;border-bottom:1px solid var(--border)}.result-item:last-child{border-bottom:none;margin-bottom:0}.result-label{font-size:0.9rem;color:var(--light-text);margin-bottom:8px;font-weight:600}.result-value{font-size:2rem;font-weight:700;color:var(--primary)}.closing-ref-table{margin-top:48px;padding:32px 0 0;border-top:1px solid var(--border)}.closing-ref-table h3{font-family:Georgia,'Times New Roman',serif;font-size:1.3rem;color:var(--dark-text);margin-bottom:24px}.closing-ref-table table{width:100%;border-collapse:collapse}.closing-ref-table thead tr{background:var(--light-bg);border-bottom:3px solid var(--primary)}.closing-ref-table th{text-align:left;padding:14px 20px;font-size:0.85rem;font-weight:700;color:var(--dark-text);text-transform:uppercase;letter-spacing:0.03em}.closing-ref-table td{padding:16px 20px;font-size:0.92rem;color:var(--body-text);border-bottom:1px solid var(--border);line-height:1.4}.closing-ref-table tbody tr:last-child td{border-bottom:none}.closing-ref-table .ref-group-header td{background:var(--light-bg);font-weight:700;font-size:0.85rem;text-transform:uppercase;letter-spacing:0.04em;color:var(--primary);padding:10px 16px;border-bottom:1px solid var(--border)}.closing-ref-table td:first-child{font-weight:600;color:var(--dark-text);width:30%}.closing-details-section{margin-top:56px;padding-top:40px;border-top:1px solid var(--border)}.closing-details-section h2{font-family:Georgia,'Times New Roman',serif;font-size:1.6rem;color:var(--primary);margin-bottom:16px}.closing-details-section > p{color:var(--body-text);margin-bottom:32px;line-height:1.6}.closing-detail-item{margin-bottom:24px}.closing-detail-item h4{font-size:1rem;font-weight:700;color:var(--dark-text);margin-bottom:6px}.closing-detail-item p{color:var(--body-text);line-height:1.6;font-size:0.95rem}.closing-cta-block{margin-top:48px;background:var(--light-bg);border-radius:12px;padding:32px;text-align:center;border:1px solid var(--border)}.closing-cta-block h3{font-family:Georgia,'Times New Roman',serif;font-size:1.3rem;color:var(--dark-text);margin-bottom:12px}.closing-cta-block p{color:var(--body-text);margin-bottom:20px;line-height:1.5}.closing-cta-block .btn-primary{display:inline-block;background:var(--primary);color:var(--white);padding:14px 36px;border-radius:var(--radius-sm);font-weight:700;font-size:1rem;text-decoration:none;transition:var(--transition);border:none;cursor:pointer}.closing-cta-block .btn-primary:hover{background:var(--primary-dark);transform:translateY(-1px);box-shadow:0 4px 16px rgba(27,107,90,0.25)}.closing-ref-table td:last-child{width:30%}@media (max-width:480px){.closing-ref-table th,.closing-ref-table td{padding:10px 12px;font-size:0.82rem}}.result-sublabel{font-size:0.78rem;color:var(--light-text);margin-top:2px;font-weight:400;line-height:1.3}.result-comparison{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:12px}.comparison-box{background:var(--white);padding:12px;border-radius:var(--radius-sm);text-align:center;border:1px solid var(--border)}.comparison-box-label{font-size:0.8rem;color:var(--light-text)}.comparison-box-value{font-size:1.3rem;font-weight:700;color:var(--dark)}.comparison-box.pathway{border-color:var(--accent);background:rgba(212,168,67,0.05)}.faq-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(350px,1fr));gap:20px;margin-top:50px}.faq-item{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-sm);overflow:hidden}.faq-question{width:100%;padding:20px;background:none;border:none;text-align:left;color:var(--dark);font-weight:600;cursor:pointer;display:flex;align-items:center;justify-content:space-between;transition:var(--transition)}.faq-question:hover{background:var(--light-bg)}.faq-icon{width:24px;height:24px;display:flex;align-items:center;justify-content:center;color:var(--primary);font-weight:700;transition:transform 0.3s ease}.faq-item.open .faq-icon{transform:rotate(180deg)}.faq-answer{max-height:0;overflow:hidden;transition:max-height 0.3s ease;padding:0 20px}.faq-item.open .faq-answer{max-height:400px;padding:0 20px 20px 20px}.faq-answer-text{color:var(--light-text);line-height:1.7}.commercial-banner{background:linear-gradient(135deg,var(--dark) 0%,var(--primary-dark) 100%);color:var(--white);padding:60px 24px;border-radius:var(--radius);margin:60px 0;position:relative;overflow:hidden}.commercial-banner::before{content:'';position:absolute;top:-50%;right:-10%;width:600px;height:600px;background:radial-gradient(circle,rgba(212,168,67,0.1) 0%,transparent 70%);pointer-events:none}.commercial-content{position:relative;z-index:1;max-width:800px}.commercial-content h3{color:var(--accent);margin-bottom:12px;font-size:0.95rem;text-transform:uppercase;letter-spacing:1px}.commercial-content h2{color:var(--white);margin-bottom:24px}.commercial-content p{font-size:1.05rem;opacity:0.95;margin-bottom:24px}.commercial-features{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:24px;margin-top:32px}.commercial-feature{background:rgba(212,168,67,0.1);padding:20px;border-radius:var(--radius-sm);border-left:3px solid var(--accent)}.commercial-feature h4{color:var(--accent);margin-bottom:8px}.commercial-feature p{font-size:0.9rem;margin:0}.multi-step-form{max-width:600px;margin:50px auto;background:var(--white);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-lg)}.form-progress{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;padding:24px;background:var(--light-bg)}.progress-step{background:var(--border);height:4px;border-radius:2px;position:relative}.progress-step.active{background:var(--accent)}.progress-step.completed{background:var(--success)}.form-content{padding:48px 32px}.form-step{display:none}.form-step.active{display:block;animation:slideIn 0.4s ease}.form-step h3{margin-bottom:24px}.form-step p{color:var(--light-text);margin-bottom:32px}.form-buttons{display:flex;gap:16px;justify-content:space-between;margin-top:32px}.form-buttons button{flex:1}.form-buttons .btn-secondary{background:var(--light-bg);border-color:var(--border);color:var(--dark)}.review-step-dot{width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:0.85rem;border:2px solid var(--border);color:var(--light-text);background:var(--white);transition:color 0.3s ease,background-color 0.3s ease,border-color 0.3s ease,opacity 0.3s ease,transform 0.3s ease,box-shadow 0.3s ease;flex-shrink:0}.review-step-dot.active{border-color:var(--accent);background:var(--accent);color:var(--white)}.review-step-dot.completed{border-color:var(--success);background:var(--success);color:var(--white)}.review-step-line{flex:1;height:3px;background:var(--border);border-radius:2px;transition:background 0.3s ease}.review-step-line.active{background:var(--accent)}.property-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:24px;margin-bottom:16px;position:relative}.property-card .remove-property{position:absolute;top:12px;right:12px;background:none;border:none;color:var(--light-text);cursor:pointer;font-size:1.2rem;padding:4px 8px;border-radius:4px}.property-card .remove-property:hover{color:#e74c3c;background:#fef2f2}.life-change-option{display:flex;align-items:center;gap:12px;padding:14px 16px;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-sm);cursor:pointer;transition:color 0.2s ease,background-color 0.2s ease,border-color 0.2s ease,transform 0.2s ease}.life-change-option:hover{border-color:var(--accent);background:rgba(90,122,116,0.03)}.life-change-option input[type="checkbox"]{width:18px;height:18px;accent-color:var(--accent);flex-shrink:0}.life-change-option input[type="checkbox"]:checked + span{font-weight:600;color:var(--dark)}.score-factor{display:flex;justify-content:space-between;align-items:center;padding:14px 16px;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-sm)}.score-factor-label{font-weight:500}.score-factor-value{font-weight:700}.score-factor-value.good{color:var(--success)}.score-factor-value.warning{color:#FF9800}.score-factor-value.poor{color:#e74c3c}#uploadedFiles .uploaded-file{display:flex;align-items:center;justify-content:space-between;padding:12px 16px;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-sm);margin-bottom:8px}#uploadedFiles .uploaded-file .file-name{font-weight:500}#uploadedFiles .uploaded-file .file-remove{cursor:pointer;color:var(--light-text);padding:4px 8px}#uploadedFiles .uploaded-file .file-remove:hover{color:#e74c3c}.chat-widget{position:fixed;bottom:24px;right:24px;z-index:9000;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif}.chat-bubble{width:80px;height:80px;min-width:80px;min-height:80px;padding:0;background:linear-gradient(135deg,var(--primary) 0%,var(--secondary) 100%);border-radius:50%;display:flex;align-items:center;justify-content:center;cursor:pointer;box-shadow:0 4px 20px rgba(27,107,90,0.3);transition:color 0.3s ease,background-color 0.3s ease,border-color 0.3s ease,opacity 0.3s ease,transform 0.3s ease,box-shadow 0.3s ease;animation:chatPulse 3s ease-in-out infinite;position:relative;-webkit-appearance:none;appearance:none}.chat-bubble .chat-badge{position:absolute;top:-2px;right:-2px;width:18px;height:18px;background:var(--accent);border-radius:50%;border:2px solid white;display:none}.chat-bubble .chat-badge.show{display:block}@keyframes chatPulse{0%,100%{opacity:1}50%{opacity:0.85}}.chat-bubble:hover{transform:scale(1.12) !important;animation:none;box-shadow:0 6px 30px rgba(27,107,90,0.45)}.chat-bubble-icon{width:48px;height:48px;min-width:48px;min-height:48px;fill:white;transition:color 0.3s ease,background-color 0.3s ease,border-color 0.3s ease,opacity 0.3s ease,transform 0.3s ease,box-shadow 0.3s ease;flex-shrink:0}.chat-bubble.active .chat-bubble-icon{display:none}.chat-bubble .chat-close-icon{display:none;fill:white;width:44px;height:44px}.chat-bubble.active .chat-close-icon{display:block}.chat-window{position:absolute;bottom:80px;right:0;width:390px;height:500px;min-width:340px;min-height:400px;max-width:680px;max-height:85vh;background:var(--white);border-radius:16px;box-shadow:0 12px 60px rgba(26,46,42,0.2),0 2px 8px rgba(0,0,0,0.08);display:flex;flex-direction:column;opacity:0;transform:translateY(20px) scale(0.95);pointer-events:none;transition:opacity 0.3s cubic-bezier(0.4,0,0.2,1),transform 0.3s cubic-bezier(0.4,0,0.2,1);overflow:hidden}.chat-resize-handle{position:absolute;top:0;left:0;width:20px;height:20px;cursor:nw-resize;z-index:10;background:transparent}.chat-resize-handle::after{content:'';position:absolute;top:4px;left:4px;width:8px;height:8px;border-top:2px solid rgba(255,255,255,0.5);border-left:2px solid rgba(255,255,255,0.5);border-radius:2px 0 0 0}.chat-window.open{opacity:1;transform:translateY(0) scale(1);pointer-events:auto}.chat-header{background:linear-gradient(135deg,var(--dark) 0%,var(--primary) 100%);color:var(--white);padding:18px 20px;display:flex;align-items:center;gap:12px;flex-shrink:0}.chat-header-avatar{width:40px;height:40px;background:linear-gradient(135deg,var(--primary) 0%,var(--secondary) 100%);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:Georgia,'Times New Roman',serif;font-size:1.1rem;font-weight:700;color:white;flex-shrink:0;border:2px solid rgba(255,255,255,0.3)}.chat-header-info{flex:1}.chat-header-info h3,.chat-header-info h4{color:#ffffff !important;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif !important;font-size:1.25rem !important;font-weight:700 !important;margin:0;text-shadow:0 1px 2px rgba(0,0,0,0.15)}.chat-header-info span{font-size:0.75rem;opacity:0.8;display:flex;align-items:center;gap:4px}.chat-header-info .online-dot{width:7px;height:7px;background:#4ADE80;border-radius:50%;display:inline-block}.chat-header-close{background:rgba(255,255,255,0.15);border:none;color:white;width:32px;height:32px;border-radius:50%;cursor:pointer;font-size:1.2rem;display:flex;align-items:center;justify-content:center;transition:background 0.2s;padding:0;flex-shrink:0}.chat-header-close:hover{background:rgba(255,255,255,0.25)}.chat-messages{flex:1;overflow-y:auto;padding:16px;display:flex;flex-direction:column;gap:12px;min-height:120px;background:#f8faf9;scroll-behavior:smooth}.chat-msg{display:flex;align-items:flex-start;gap:10px;max-width:92%}.chat-msg.bot{align-self:flex-start}.chat-msg.user{align-self:flex-end;flex-direction:row-reverse}.chat-msg-avatar{width:32px;height:32px;min-width:32px;background:linear-gradient(135deg,var(--primary) 0%,var(--secondary) 100%);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:Georgia,'Times New Roman',serif;font-size:0.85rem;font-weight:700;color:white;margin-top:2px}.chat-msg-bubble{padding:10px 14px;border-radius:16px;font-size:0.88rem;line-height:1.5;word-wrap:break-word}.chat-msg.bot .chat-msg-bubble{background:white;color:var(--dark-text);border:1px solid var(--border);border-bottom-left-radius:4px}.chat-msg.user .chat-msg-bubble{background:var(--primary);color:white;border-bottom-right-radius:4px}.chat-quick-replies{display:flex;flex-wrap:wrap;gap:6px;padding:0 16px 8px;background:#f8faf9}.chat-quick-btn{background:white;border:1px solid var(--border);border-radius:20px;padding:6px 14px;font-size:0.8rem;color:var(--primary);cursor:pointer;transition:color 0.2s,background-color 0.2s,border-color 0.2s,transform 0.2s;font-weight:500}.chat-quick-btn:hover{background:var(--primary);color:white;border-color:var(--primary)}.chat-typing{display:none;align-items:center;gap:8px;padding:0 16px 8px;background:#f8faf9}.chat-typing.show{display:flex}.chat-typing-dots{display:flex;gap:4px;background:white;border:1px solid var(--border);border-radius:14px;padding:10px 16px;border-bottom-left-radius:4px}.chat-typing-dots span{width:7px;height:7px;background:var(--light-text);border-radius:50%;animation:typingBounce 1.4s ease-in-out infinite}.chat-typing-dots span:nth-child(2){animation-delay:0.2s}.chat-typing-dots span:nth-child(3){animation-delay:0.4s}@keyframes typingBounce{0%,60%,100%{transform:translateY(0);opacity:0.4}30%{transform:translateY(-6px);opacity:1}}.chat-input-area{padding:12px 16px;border-top:1px solid var(--border);display:flex;gap:8px;align-items:flex-end;background:white}.chat-input{flex:1;border:1px solid var(--border);border-radius:22px;padding:10px 16px;font-family:inherit;font-size:0.88rem;resize:none;max-height:100px;outline:none;transition:border-color 0.2s;line-height:1.4}.chat-input:focus{border-color:var(--primary)}.chat-input::placeholder{color:var(--light-text)}.chat-send-btn{width:40px;height:40px;background:linear-gradient(135deg,var(--primary),var(--secondary));border:none;border-radius:50%;cursor:pointer;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:color 0.2s,background-color 0.2s,border-color 0.2s,transform 0.2s;padding:0}.chat-send-btn:hover{transform:scale(1.08);box-shadow:0 2px 12px rgba(27,107,90,0.3)}.chat-send-btn:disabled{opacity:0.5;cursor:not-allowed;transform:none}.chat-send-btn svg{width:18px;height:18px;fill:white}.chat-footer{text-align:center;padding:6px;font-size:0.75rem;color:var(--light-text);background:white;border-top:1px solid #f0f0f0}.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin-top:50px}a.blog-card{text-decoration:none;color:inherit;display:flex;flex-direction:column}.resources-grid.guides-hidden{display:none !important}.guides-visible{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;animation:fadeInGuides 0.4s ease}@keyframes fadeInGuides{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:translateY(0)}}@media (max-width:768px){.guides-visible{grid-template-columns:1fr}}.blog-card{background:var(--white);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:var(--transition);display:flex;flex-direction:column}.blog-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg)}.blog-card-image{width:100%;height:200px;background:linear-gradient(135deg,var(--primary) 0%,var(--secondary) 100%);display:flex;align-items:center;justify-content:center;color:var(--white);font-size:3rem;overflow:hidden}.blog-card-content{padding:24px;flex:1;display:flex;flex-direction:column}.blog-meta{display:flex;gap:12px;align-items:center;margin-bottom:12px;flex-wrap:wrap}.blog-category{display:inline-block;background:var(--light-bg);color:var(--primary);padding:4px 12px;border-radius:12px;font-size:0.75rem;font-weight:600;text-transform:uppercase}.blog-reading-time{color:var(--light-text);font-size:0.85rem}.blog-card h3{color:var(--dark);margin:12px 0;line-height:1.4;flex-grow:1}.blog-card p{color:var(--light-text);font-size:0.95rem;margin-bottom:16px}.blog-card a{color:var(--primary);font-weight:600;display:inline-flex;align-items:center;gap:4px}.blog-article-hero{background:linear-gradient(165deg,var(--dark) 0%,#1B3D35 50%,var(--primary-dark) 100%);padding:100px 24px 60px;text-align:center;position:relative;overflow:hidden}.blog-article-hero::before{content:'';position:absolute;top:-50%;right:-20%;width:600px;height:600px;background:radial-gradient(circle,rgba(42,157,143,0.08) 0%,transparent 70%);border-radius:50%}.blog-article-hero .hero-inner{max-width:780px;margin:0 auto;position:relative;z-index:1}.blog-article-hero .hero-tag{display:inline-block;background:rgba(212,168,67,0.15);color:var(--accent);font-size:0.75rem;font-weight:600;letter-spacing:2px;text-transform:uppercase;padding:6px 16px;border-radius:20px;margin-bottom:24px;border:1px solid rgba(212,168,67,0.25)}.blog-article-hero h1{font-family:Georgia,'Times New Roman',serif;font-size:2.6rem;font-weight:700;color:var(--white);line-height:1.2;margin-bottom:20px}.blog-article-hero .lead{font-size:1.1rem;color:rgba(255,255,255,0.6);max-width:620px;margin:0 auto;line-height:1.7}.blog-article-hero .hero-meta{margin-top:28px;display:flex;align-items:center;justify-content:center;gap:20px;font-size:0.8rem;color:rgba(255,255,255,0.4)}.blog-article-hero .hero-meta .dot{color:var(--accent)}.blog-article-body{max-width:740px;margin:0 auto;padding:50px 24px 80px;font-size:1.05rem;line-height:1.78}.blog-article-body p{margin-bottom:22px;color:var(--dark-text)}.blog-article-body h2{font-family:Georgia,'Times New Roman',serif;font-size:1.6rem;font-weight:700;color:var(--dark);margin-top:44px;margin-bottom:16px;line-height:1.3}.blog-article-body h3{font-size:1.1rem;font-weight:700;color:var(--primary-dark);margin-top:32px;margin-bottom:10px}.blog-article-body strong{color:var(--dark);font-weight:600}.blog-callout{background:var(--light-bg);border-left:4px solid var(--primary);padding:22px 26px;margin:28px 0;border-radius:0 10px 10px 0}.blog-callout p{margin-bottom:0 !important}.blog-callout.accent-callout{border-left-color:var(--accent);background:#FFFDF5}.blog-callout .callout-title{font-weight:700;color:var(--primary-dark);margin-bottom:8px;font-size:0.92rem;letter-spacing:0.3px}.blog-callout.accent-callout .callout-title{color:#9A7A20}.blog-rate-table{width:100%;border-collapse:separate;border-spacing:0;margin:28px 0;border-radius:10px;overflow:hidden;box-shadow:0 2px 16px rgba(27,107,90,0.06)}.blog-rate-table thead th{background:var(--dark);color:var(--white);padding:12px 18px;font-size:0.78rem;font-weight:600;letter-spacing:0.5px;text-transform:uppercase;text-align:left}.blog-rate-table tbody td{padding:12px 18px;border-bottom:1px solid var(--border);font-size:0.92rem}.blog-rate-table tbody tr:last-child td{border-bottom:none}.blog-rate-table tbody tr:nth-child(even){background:var(--light-bg)}.blog-flow{display:flex;align-items:center;justify-content:center;gap:0;margin:36px 0;flex-wrap:wrap}.blog-flow-box{background:var(--white);border:2px solid var(--border);border-radius:12px;padding:18px 22px;text-align:center;min-width:160px;transition:border-color 0.2s}.blog-flow-box:hover{border-color:var(--primary)}.blog-flow-box .flow-icon{font-size:26px;margin-bottom:6px}.blog-flow-box .flow-label{font-size:0.78rem;color:var(--medium);font-weight:500}.blog-flow-box .flow-value{font-size:0.92rem;font-weight:700;color:var(--dark);margin-top:4px}.blog-flow-arrow{font-size:22px;color:var(--primary);padding:0 8px;font-weight:700}.blog-takeaway{background:linear-gradient(135deg,var(--dark) 0%,#1B3D35 100%);border-radius:14px;padding:32px 28px;margin:40px 0;color:var(--white)}.blog-takeaway h3{color:var(--accent) !important;margin-top:0 !important;font-family:Georgia,'Times New Roman',serif;font-size:1.15rem}.blog-takeaway p{color:rgba(255,255,255,0.8) !important;margin-bottom:0 !important}.blog-cta-box{background:var(--light-bg);border-radius:14px;padding:44px 32px;text-align:center;margin:48px 0 0;border:1px solid var(--border)}.blog-cta-box h2{margin-top:0;font-size:1.4rem}.blog-cta-box p{color:var(--medium);max-width:520px;margin:0 auto 24px}.blog-back-link{display:inline-flex;align-items:center;gap:6px;color:var(--primary);font-weight:600;font-size:0.9rem;cursor:pointer;margin-bottom:20px;text-decoration:none}.blog-back-link:hover{color:var(--primary-dark)}.blog-table{width:100%;border-collapse:collapse;margin:32px 0;font-size:0.95rem}.blog-table thead{background:var(--light-bg)}.blog-table th{text-align:left;padding:12px 16px;font-weight:700;color:var(--dark);border-bottom:2px solid var(--primary);font-size:0.85rem;text-transform:uppercase;letter-spacing:0.03em}.blog-table td{padding:12px 16px;border-bottom:1px solid var(--border);color:var(--dark-text)}.blog-table tbody tr:hover{background:var(--warm-bg)}@media (max-width:640px){.blog-table th,.blog-table td{padding:10px 8px;font-size:0.85rem}}.blog-disclaimer{margin-top:48px;padding-top:24px;border-top:1px solid var(--border);font-size:0.8rem;color:var(--light-text);line-height:1.6}.resources-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:28px;margin-top:50px}.resource-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:28px;text-align:center;transition:var(--transition)}.resource-card:hover{border-color:var(--primary);box-shadow:var(--shadow-lg)}.resource-icon{width:60px;height:60px;background:var(--light-bg);border-radius:var(--radius-sm);display:flex;align-items:center;justify-content:center;font-size:2rem;margin:0 auto 16px}.resource-card h3{margin-bottom:12px}.resource-card p{color:var(--light-text);margin-bottom:20px}.resource-card button{width:100%}.resource-link{color:var(--primary);font-weight:600;text-decoration:none;transition:var(--transition)}.resource-link:hover{color:var(--secondary);text-decoration:underline}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;margin-top:50px;text-align:center}@media (max-width:380px){.trust-grid{grid-template-columns:1fr;gap:20px}}.trust-item{padding:24px}.trust-stat{font-size:2.4rem;font-weight:700;color:var(--primary);margin-bottom:12px;font-family:Georgia,serif}.trust-label{color:var(--dark-text);font-weight:600;margin-bottom:8px}.trust-description{color:var(--light-text);font-size:0.95rem}footer{background:var(--dark);color:var(--white);padding:60px 24px 24px;margin-top:80px}.footer-content{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:40px;margin-bottom:40px}.footer-section h4{color:var(--white);margin-bottom:20px;font-size:1rem}.footer-section ul{list-style:none}.footer-section li{margin-bottom:12px}.footer-section a{color:#8FB5B0;transition:var(--transition)}.footer-section a:hover{color:var(--accent)}.footer-contact{display:flex;flex-direction:column;gap:16px}.footer-contact-item{display:flex;align-items:center;gap:12px}.footer-social{display:flex;gap:16px;margin-top:20px}.footer-social a{width:40px;height:40px;background:rgba(255,255,255,0.1);border-radius:50%;display:flex;align-items:center;justify-content:center;transition:var(--transition)}.footer-social a:hover{background:var(--accent);color:var(--dark)}.footer-bottom{border-top:1px solid rgba(255,255,255,0.1);padding-top:24px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;font-size:0.9rem;color:#8FB5B0}.footer-licensing{color:var(--accent);font-weight:600}.footer-newsletter{background:linear-gradient(135deg,var(--primary) 0%,var(--secondary) 100%);padding:40px 24px;margin:0 24px 40px;border-radius:var(--radius)}.footer-newsletter input::placeholder{color:rgba(255,255,255,0.6)}.footer-newsletter button:hover{background:var(--accent-light)}@keyframes fadeInUp{from{opacity:0;transform:translateY(30px)}to{opacity:1;transform:translateY(0)}}.fade-in:nth-child(1){animation-delay:0.1s}.fade-in:nth-child(2){animation-delay:0.2s}.fade-in:nth-child(3){animation-delay:0.3s}.fade-in:nth-child(4){animation-delay:0.4s}.fade-in:nth-child(5){animation-delay:0.5s}.team-experts{padding:80px 0;background:var(--white)}.team-experts-inner{display:flex;align-items:center;gap:48px}.team-experts-content{flex:1}.team-experts-content h2{font-size:clamp(1.8rem,3.5vw,2.6rem);font-style:italic;font-weight:400;margin-bottom:16px}.team-experts-content p{color:var(--medium);font-size:1.05rem;max-width:480px;margin-bottom:24px}.team-avatars{display:flex;align-items:center}.team-avatar-count{width:52px;height:52px;border-radius:50%;border:3px solid var(--white);background:var(--light-bg);display:flex;align-items:center;justify-content:center;color:var(--primary);font-weight:700;font-size:0.8rem;margin-left:-12px}.team-experts-visual{flex:0 0 auto;display:flex;flex-direction:column;align-items:center;gap:16px}.team-experts-visual .decorative-blob{width:280px;height:280px;border-radius:50%;background:linear-gradient(135deg,var(--warm-light) 0%,rgba(42,157,143,0.08) 100%);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:12px}.pine-cta{padding:100px 0;background:linear-gradient(135deg,var(--warm-bg) 0%,rgba(42,157,143,0.05) 100%);text-align:center;position:relative;overflow:hidden}.pine-cta h2{font-size:clamp(2rem,4vw,3rem);font-style:italic;font-weight:400;margin-bottom:16px}.pine-cta p{color:var(--medium);font-size:1.1rem;margin-bottom:32px}.pine-cta .decorative-circle{position:absolute;border-radius:50%;opacity:0.4}.pine-cta .decorative-circle:nth-child(1){width:200px;height:200px;background:rgba(212,168,67,0.15);top:-60px;right:-40px}.pine-cta .decorative-circle:nth-child(2){width:150px;height:150px;background:rgba(42,157,143,0.1);bottom:-40px;left:-30px}section{padding:80px 0}.alternate{padding:80px 0;background:var(--warm-bg)}.hero-benefits{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0}.benefit-item{display:flex;align-items:center;gap:12px;padding:12px;border-radius:var(--radius-sm)}.benefit-check{width:36px;height:36px;background:var(--primary);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--white);font-weight:700;flex-shrink:0;font-size:1.3rem}.benefit-item span{font-weight:600;color:var(--dark-text);font-size:0.95rem}.fit-in-section{background:var(--light-bg);padding:80px 24px}.fit-in-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:28px;margin-top:50px}a.fit-in-card{text-decoration:none;color:inherit;display:flex;flex-direction:column;cursor:pointer}.fit-in-card{background:var(--white);border:2px solid var(--border);border-radius:var(--radius);padding:32px;transition:var(--transition);cursor:pointer;text-align:center}.fit-in-card:hover{border-color:var(--primary);transform:translateY(-4px);box-shadow:var(--shadow-lg)}.fit-in-icon{font-size:3rem;margin-bottom:16px}.fit-in-card h4{color:var(--dark);margin-bottom:16px;font-size:1.2rem}.fit-in-card p{color:var(--light-text);font-size:0.95rem;margin-bottom:20px}.fit-in-link{margin-top:auto;display:inline-flex;align-items:center;gap:8px;color:var(--primary);font-weight:600;transition:var(--transition)}.fit-in-link:hover{gap:12px;color:var(--secondary)}.google-badge-enhanced{position:absolute;top:100px;right:40px;background:var(--white);padding:24px 32px;border-radius:var(--radius-sm);box-shadow:var(--shadow-lg);text-align:center;max-width:180px;animation:float 3s ease-in-out infinite}.google-rating-large{font-size:3rem;font-weight:700;color:var(--primary);margin-bottom:4px}.google-stars-large{color:#FFC107;font-size:1.2rem;margin-bottom:8px;letter-spacing:2px}.google-badge-label{font-size:0.75rem;color:var(--light-text);font-weight:600;margin-top:8px}.advantage-section{background:var(--warm-bg);padding:80px 24px}.advantage-pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;margin-top:50px}.pillar-card{background:var(--white);padding:32px;border-radius:var(--radius);text-align:center;transition:var(--transition);box-shadow:var(--shadow)}.pillar-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg)}.pillar-icon{font-size:2.5rem;margin-bottom:16px}.pillar-card h4{color:var(--dark);margin-bottom:16px;font-size:1.1rem}.pillar-card p{color:var(--light-text);font-size:0.95rem;margin-bottom:20px}.pillar-link{color:var(--primary);font-weight:600;transition:var(--transition);display:inline-flex;align-items:center;gap:6px}.pillar-link:hover{gap:12px;color:var(--secondary)}.apply-cta-banner{background:var(--dark);color:var(--white);padding:40px 24px;margin:80px 24px;border-radius:var(--radius);display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}.apply-cta-text{font-size:1.4rem;font-weight:700}.apply-cta-button{background:var(--white);color:var(--dark);padding:14px 32px;font-size:1rem;font-weight:600}.apply-cta-button:hover{background:var(--light-bg)}.calc-tabs{display:flex;gap:8px;margin-bottom:28px;border-bottom:2px solid var(--border);overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none;-ms-overflow-style:none}.calc-tabs::-webkit-scrollbar{display:none}.calc-tab{padding:12px 16px;background:none;border:none;border-bottom:3px solid transparent;color:var(--dark-text);font-weight:600;cursor:pointer;transition:var(--transition);white-space:nowrap;flex-shrink:0;font-size:0.9rem}.calc-tab.active{color:var(--primary);border-bottom-color:var(--primary)}.calc-tab:hover{color:var(--primary)}.calc-content{display:none}.calc-content.active{display:block}.affordability-results{background:var(--light-bg);padding:32px;border-radius:var(--radius);border:2px solid var(--border)}nav.commercial-mode{background:var(--white) !important;border-bottom:1px solid var(--border)}nav.commercial-mode .logo-icon{background:linear-gradient(135deg,var(--comm-primary),var(--comm-secondary))}nav.commercial-mode .nav-center a.active::after{background:var(--comm-primary)}#commercial{--page-primary:var(--comm-primary);--page-secondary:var(--comm-secondary);--page-dark:var(--comm-dark);--page-light-bg:var(--comm-light-bg);--page-border:var(--comm-border)}#commercial h1,#commercial h2,#commercial h3{color:var(--comm-dark)}#commercial .btn-primary{background:var(--comm-primary)}#commercial .btn-primary:hover{background:var(--comm-primary-dark);transform:translateY(-2px)}#commercial .btn-secondary{border-color:var(--comm-primary);color:var(--comm-primary)}#commercial .btn-secondary:hover{background:var(--comm-primary);color:white}.commercial-hero .btn-secondary{background:transparent !important;border-color:white !important;color:white !important}.commercial-hero .btn-secondary:hover{background:rgba(255,255,255,0.15) !important}.commercial-cta-section .btn-secondary{background:transparent !important;border-color:white !important;color:white !important}.commercial-cta-section .btn-secondary:hover{background:rgba(255,255,255,0.15) !important}.commercial-hero{background:linear-gradient(135deg,var(--comm-dark),var(--comm-primary),var(--comm-secondary));color:white;padding:100px 24px 80px;text-align:center;position:relative;overflow:hidden}.commercial-hero::before{content:'';position:absolute;top:-50%;right:-20%;width:500px;height:500px;background:radial-gradient(circle,rgba(74,141,181,0.15) 0%,transparent 70%);border-radius:50%}.commercial-hero::after{content:'';position:absolute;bottom:-30%;left:-10%;width:400px;height:400px;background:radial-gradient(circle,rgba(212,168,67,0.1) 0%,transparent 70%);border-radius:50%}.commercial-hero h1{color:white !important;font-size:clamp(2rem,4.5vw,3rem);margin-bottom:1rem;position:relative;z-index:1}.commercial-hero p{color:rgba(255,255,255,0.85);font-size:1.2rem;max-width:700px;margin:0 auto 2rem;position:relative;z-index:1}.commercial-hero .accent{color:var(--accent)}.commercial-logo-badge{display:inline-flex;align-items:center;gap:12px;background:rgba(255,255,255,0.1);border:1.5px solid var(--accent);border-radius:40px;padding:8px 20px 8px 8px;margin-bottom:2rem;position:relative;z-index:1}.commercial-logo-badge .comm-logo-icon{width:36px;height:36px;background:linear-gradient(135deg,var(--comm-primary),var(--comm-secondary));border-radius:8px;display:flex;align-items:center;justify-content:center;color:white;font-family:Georgia,serif;font-weight:700;font-size:1.1rem}.commercial-logo-badge span{color:#FFFFFF;font-size:0.9rem;font-weight:600;letter-spacing:1px;text-transform:uppercase}.commercial-services{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;margin-top:40px}.commercial-service-card{background:white;border:1px solid var(--comm-border);border-radius:var(--radius);padding:32px;transition:var(--transition);position:relative;overflow:hidden;display:flex;flex-direction:column;height:100%}.commercial-service-card a:last-child{margin-top:auto}.commercial-service-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--comm-primary),var(--comm-secondary));opacity:0;transition:var(--transition)}.commercial-service-card:hover{transform:translateY(-4px);box-shadow:0 8px 30px rgba(44,95,124,0.12);border-color:var(--comm-secondary)}.commercial-service-card:hover::before{opacity:1}.commercial-service-card .card-icon{font-size:2.5rem;margin-bottom:16px}.commercial-service-card h3{color:var(--comm-dark) !important;margin-bottom:12px}.commercial-service-card p{color:var(--comm-medium);margin-bottom:16px;line-height:1.6}.commercial-service-card .card-link{color:var(--comm-primary);font-weight:600;text-decoration:none;transition:var(--transition)}.commercial-service-card .card-link:hover{color:var(--comm-secondary)}.commercial-cta-section{background:linear-gradient(135deg,var(--comm-dark),var(--comm-primary));color:white;padding:60px 24px;text-align:center;border-radius:var(--radius);margin:40px 0;position:relative;overflow:hidden}.commercial-cta-section h2{color:white !important;margin-bottom:1rem}.commercial-cta-section p{color:rgba(255,255,255,0.8);margin-bottom:2rem}.commercial-alt-bg{background:var(--comm-light-bg);padding:60px 24px}.pw-date-picker-wrapper{position:relative}.pw-date-input{width:100%;padding:12px 14px;padding-right:42px;border:2px solid var(--border);border-radius:var(--radius-sm);font-size:0.95rem;cursor:pointer;background:#fff url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="18" height="18" fill="%23666" viewBox="0 0 16 16"><path d="M3.5 0a.5.5 0 0 1 .5.5V1h8V.5a.5.5 0 0 1 1 0V1h1a2 2 0 0 1 2 2v11a2 2 0 0 1-2 2H2a2 2 0 0 1-2-2V3a2 2 0 0 1 2-2h1V.5a.5.5 0 0 1 .5-.5zM1 4v10a1 1 0 0 0 1 1h12a1 1 0 0 0 1-1V4H1z"/></svg>') no-repeat right 12px center;box-sizing:border-box;color:var(--dark)}.pw-date-input:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px rgba(26,92,75,0.12)}.pw-date-input::placeholder{color:#999}.pw-calendar-popup{position:fixed;z-index:10000;background:#fff;border:1px solid #ddd;border-radius:10px;box-shadow:0 8px 30px rgba(0,0,0,0.15);padding:16px;display:none;width:320px}.pw-calendar-popup.show{display:block}.pw-calendar-clear{display:block;width:100%;margin-top:8px;padding:6px;background:none;border:1px solid #ddd;border-radius:6px;color:#888;font-size:0.8rem;cursor:pointer;transition:color 0.15s,background-color 0.15s,border-color 0.15s,transform 0.15s}.pw-calendar-clear:hover{background:#f5f5f5;color:var(--dark);border-color:#bbb}.pw-calendar-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px;padding:0 2px}.pw-calendar-nav{background:none;border:none;cursor:pointer;padding:6px 10px;font-size:16px;color:#666;border-radius:6px;transition:background 0.15s}.pw-calendar-nav:hover{background:#f0f0f0;color:var(--dark)}.pw-calendar-selects{display:flex;gap:8px;align-items:center}.pw-calendar-select{padding:5px 8px;font-size:14px;font-weight:600;border:1px solid #ddd;border-radius:6px;background:#fff;cursor:pointer;color:var(--dark)}.pw-calendar-select.pw-month-select{min-width:120px}.pw-calendar-select:focus{outline:none;border-color:var(--primary)}.pw-calendar-weekdays{display:grid;grid-template-columns:repeat(7,1fr);text-align:center;font-size:12px;font-weight:600;color:#888;margin-bottom:6px;padding-bottom:6px;border-bottom:1px solid #eee}.pw-calendar-weekdays span{padding:4px 0}.pw-calendar-days{display:grid;grid-template-columns:repeat(7,1fr);gap:2px;min-height:170px}.pw-calendar-day{padding:7px 4px;text-align:center;cursor:pointer;font-size:14px;color:var(--dark);border-radius:6px;transition:color 0.15s,background-color 0.15s,border-color 0.15s,transform 0.15s;display:flex;align-items:center;justify-content:center}.pw-calendar-day:hover{background:#f0f0f0}.pw-calendar-day.other-month{color:#ccc;cursor:default}.pw-calendar-day.today{background:#e8f5f1;border:1px dashed var(--primary)}.pw-calendar-day.selected{background:var(--primary);color:#fff;font-weight:600}.pw-calendar-day.selected:hover{background:#15504a}@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:0.01ms !important;animation-iteration-count:1 !important;transition-duration:0.01ms !important;scroll-behavior:auto !important}}@media (max-width:1024px){.process-steps{grid-template-columns:repeat(2,1fr);gap:32px}.calculator-wrapper{grid-template-columns:1fr;gap:24px}.blog-grid{grid-template-columns:1fr !important;gap:20px}.comparison-chart{grid-template-columns:1fr !important;gap:16px}.comparison-item{padding:24px}.comparison-item.highlighted{transform:none}.advantage-pillars{grid-template-columns:repeat(2,1fr);gap:24px}.google-badge-enhanced{display:none}#blogGrid{grid-template-columns:1fr !important;gap:20px}.nav-center{display:none;position:fixed;top:0;left:0;width:100%;height:100vh;background:rgba(255,255,255,1);flex-direction:column;align-items:center;justify-content:center;gap:20px;z-index:9999;backdrop-filter:none;margin-left:0;overflow-y:auto;padding:60px 24px 100px;box-sizing:border-box}.nav-center.mobile-open{display:flex}.nav-center a{font-size:1.3rem;padding:12px 0}.mobile-close-btn{position:absolute;top:20px;right:24px;background:none;border:none;font-size:2rem;cursor:pointer;color:var(--dark);padding:8px}.hamburger{display:flex}.nav-right .phone-badge{font-size:0.8rem;padding:6px 12px}}@media (max-width:768px){#contact [style*="grid-template-columns:1fr 1fr"]{grid-template-columns:1fr !important;gap:32px !important}.hero{padding:50px 20px !important}section:first-of-type{padding-top:40px !important}.rate-slider-wrapper{flex-direction:column;align-items:stretch;gap:16px}.rate-slider-label{min-width:auto}.rate-slider-value{min-width:auto;text-align:left}.rate-table-header,.rate-row{grid-template-columns:40px 1fr 1fr 1fr;font-size:0.9rem;padding:12px 8px}.rate-row .rate{font-size:1rem}.rate-row .term{font-size:0.95rem}.lenders-grid{grid-template-columns:repeat(3,1fr);gap:12px}.lender-logo{height:60px;padding:10px 12px}.lender-logo img{height:40px}.trust-grid{grid-template-columns:repeat(2,1fr);gap:24px}.footer-newsletter .container{grid-template-columns:1fr !important}.newsletter-fields{flex-direction:column !important}.hero-inner{grid-template-columns:1fr}.rate-finder-widget{margin-top:32px}.calculator-wrapper{grid-template-columns:1fr}.process-steps{gap:24px}.step::after{display:none !important}.faq-grid{grid-template-columns:1fr}.about-story-grid{grid-template-columns:1fr !important}.sticky-cta{flex-direction:row;flex-wrap:wrap;gap:8px;padding:10px 16px;justify-content:center}.sticky-cta-text{width:100%;text-align:center;font-size:0.9rem}.sticky-cta-buttons{width:auto;flex-direction:row;gap:8px}.sticky-cta-buttons button{width:auto;padding:8px 16px;font-size:0.85rem}.sticky-cta-buttons a{display:none}body{padding-bottom:75px}.social-proof-toast{bottom:100px;right:12px;left:12px;max-width:none}.footer-bottom{flex-direction:column;align-items:flex-start}section{padding:50px 24px}.team-experts-inner{flex-direction:column;text-align:center}.team-experts-content p{max-width:100%}.team-experts-visual .decorative-blob{width:200px;height:200px}.pine-testimonials-grid{grid-template-columns:1fr}.media-logos{gap:24px}.commercial-hero{padding:80px 20px 60px}.blog-rate-table{display:block;overflow-x:auto;white-space:nowrap}.blog-rate-table thead,.blog-rate-table tbody,.blog-rate-table tr,.blog-rate-table th,.blog-rate-table td{white-space:normal}.blog-rate-table thead th{font-size:0.75rem;padding:8px 10px}.blog-rate-table tbody td{font-size:0.82rem;padding:8px 10px}.about-story-grid{gap:24px !important}.about-hero-graphic{height:200px !important;font-size:3rem !important}.faq-grid{grid-template-columns:1fr !important}[style*="repeat(auto-fit,minmax(300px"]{grid-template-columns:1fr !important}[style*="repeat(auto-fit,minmax(250px"]{grid-template-columns:1fr !important}.pine-testimonials-grid{grid-template-columns:1fr !important}.fit-in-grid{grid-template-columns:1fr !important}.commercial-services{grid-template-columns:1fr !important}}@media (max-width:640px){.blog-article-hero{padding:80px 18px 40px}.blog-article-hero h1{font-size:1.8rem}.blog-article-hero .lead{font-size:0.95rem}.blog-article-hero .hero-meta{flex-direction:column;gap:6px}.blog-article-body{padding:32px 16px 60px}.blog-article-body h2{font-size:1.3rem}.blog-flow{flex-direction:column;gap:0}.blog-flow-arrow{transform:rotate(90deg);padding:4px 0}.blog-flow-box{min-width:unset;width:100%}.blog-callout{padding:16px 18px}.blog-cta-box{padding:28px 18px}.blog-rate-table{font-size:0.85rem}.blog-rate-table thead th,.blog-rate-table tbody td{padding:10px 12px}.checkup-grid-row{grid-template-columns:1fr !important}#mortgageCheckupForm{padding:24px !important}.alt-lending-grid{grid-template-columns:1fr !important}.hero-benefits{grid-template-columns:1fr;gap:12px}.apply-cta-banner{flex-direction:column;text-align:center;margin:40px 0}.apply-cta-text{font-size:1.1rem}.footer-newsletter .container{grid-template-columns:1fr !important;gap:20px !important}.newsletter-fields{flex-direction:column !important}.newsletter-fields input,.newsletter-fields button{flex:none !important;width:100% !important}.google-rating-large{font-size:2rem}.blog-card-image{font-size:2.2rem !important}.resources-grid{grid-template-columns:1fr !important}}@media (max-width:480px){.process-steps{grid-template-columns:1fr;gap:24px}.chat-window{width:calc(100vw - 16px);right:-16px;bottom:76px;max-height:calc(100vh - 140px);border-radius:16px 16px 0 0}.chat-messages{max-height:none;flex:1}.chat-resize-handle{display:none}h1{font-size:1.8rem}h2{font-size:1.4rem}.rate-form.active{grid-template-columns:1fr}.lenders-grid{grid-template-columns:repeat(2,1fr)}.comparison-chart{grid-template-columns:1fr}.comparison-item.highlighted{transform:scale(1)}.chat-window{width:calc(100vw - 48px)}.blog-grid{grid-template-columns:1fr !important;gap:20px}.rate-table-header{grid-template-columns:30px 1fr 1fr;font-size:0.82rem;padding:10px 6px}.rate-table-header div:last-child{display:none}.rate-row{grid-template-columns:30px 1fr 1fr;font-size:0.82rem;padding:10px 6px}.rate-row .payment{grid-column:2/4;font-size:0.75rem;font-weight:600;padding:2px 0 0}.phone-badge{display:none}.lang-toggle{display:none}#footerCitySelect{width:100%}#mortgageCheckupForm{padding:24px 16px !important}.fit-in-grid{grid-template-columns:1fr !important}.resources-grid{grid-template-columns:1fr !important}.trust-grid{grid-template-columns:repeat(2,1fr);gap:16px}.process-steps{grid-template-columns:1fr !important}.areas-grid{grid-template-columns:1fr !important}.sticky-cta{flex-direction:row !important;flex-wrap:wrap;gap:8px !important;padding:10px 16px !important;text-align:center;justify-content:center}.sticky-cta-text{font-size:0.85rem;width:100%}.sticky-cta-buttons{flex-direction:row !important;gap:8px;width:auto !important}.sticky-cta-buttons button{width:auto !important;padding:8px 14px !important;font-size:0.8rem !important}.sticky-cta-buttons a{display:none !important}body{padding-bottom:80px}.apply-cta-banner{flex-direction:column !important;text-align:center;gap:16px !important}.footer-content{grid-template-columns:1fr !important}.advantage-pillars{grid-template-columns:1fr}.pw-calendar-popup{width:calc(100vw - 32px)}.chat-bubble{width:60px !important;height:60px !important;min-width:60px !important;min-height:60px !important;padding:0 !important}.chat-bubble-icon{width:32px !important;height:32px !important;min-width:32px;min-height:32px}.chat-bubble .chat-close-icon{width:28px !important;height:28px !important}.chat-widget{bottom:16px;right:16px}.social-proof-toast{right:12px;left:12px;max-width:none;bottom:90px}section{padding:36px 16px !important}.hero{padding:60px 16px 40px !important}#scoreRingContainer{width:160px !important;height:160px !important;margin:0 auto}.footer-content{gap:24px !important}.rate-form.active{grid-template-columns:1fr !important}h2{font-size:1.35rem !important}h1{font-size:1.6rem !important}}.glossary-term{margin-bottom:2rem;padding-bottom:1.5rem;border-bottom:1px solid #e8e8e8}.glossary-term:last-child{border-bottom:none}.glossary-read-more{margin-top:10px;margin-bottom:0;font-size:.9rem}.glossary-read-more a{color:var(--primary);text-decoration:none;font-weight:500;transition:color .2s}.glossary-read-more a:hover{color:var(--accent);text-decoration:underline}.featured-rate-display{text-align:center;padding:48px 40px;background:linear-gradient(135deg,var(--dark) 0%,var(--primary) 100%);border-radius:var(--radius) var(--radius) 0 0;color:white;display:flex;flex-direction:column;align-items:center;gap:0}.featured-rate-label{font-size:0.8rem;text-transform:uppercase;letter-spacing:2px;opacity:0.7;margin-bottom:20px;font-weight:400}.featured-rate-number{font-size:clamp(4rem,10vw,6rem);font-weight:700;font-family:Georgia,serif;line-height:1;display:flex;align-items:baseline;justify-content:center}.featured-rate-percent{font-size:0.45em;margin-left:4px;font-weight:400;opacity:0.9}.featured-rate-badge{display:inline-block;background:var(--accent);color:var(--dark);padding:8px 24px;border-radius:20px;font-size:0.8rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;margin-top:32px}@media(max-width:768px){.featured-rate-display{padding:36px 24px}.featured-rate-number{font-size:3.5rem}}@media(max-width:480px){.featured-rate-display{padding:28px 16px}.featured-rate-number{font-size:2.8rem}.featured-rate-badge{font-size:0.75rem;padding:5px 16px}}@media(max-width:768px){.rate-row{min-height:54px}}@media(max-width:480px){.rate-row{min-height:48px}}@media(max-width:480px){.rate-finder-widget{}}.breadcrumb-nav{background:var(--light-bg);border-bottom:1px solid var(--border);padding:12px 0;font-size:0.875rem;position:relative;z-index:auto}.breadcrumb-nav .container{padding-left:20px;padding-right:20px}.breadcrumb-list{list-style:none;display:flex;flex-wrap:wrap;gap:0;padding:0;margin:0;color:var(--medium)}.breadcrumb-list li{display:inline-flex;align-items:center}.breadcrumb-list li+li::before{content:"/";margin:0 10px;color:var(--medium);opacity:0.5}.breadcrumb-list a{color:var(--primary);text-decoration:none;font-weight:500}.breadcrumb-list a:hover{text-decoration:underline}.breadcrumb-list [aria-current="page"]{color:var(--dark-text);font-weight:500}@media(max-width:480px){.breadcrumb-nav{padding:10px 0;font-size:0.8rem}.breadcrumb-list li+li::before{margin:0 6px}}
/* Chat widget — at desktop widths 1200-1399px the content container reaches close to the viewport right edge and the 80x80 chat bubble visually overlaps the calculator/results panel right edge. Shrink the bubble + tuck slightly inward so content and bubble coexist. Added 2026-04-28. */
@media(min-width:1200px) and (max-width:1399px){.chat-widget{bottom:16px;right:16px}.chat-bubble{width:60px;height:60px;min-width:60px;min-height:60px}.chat-bubble-icon{width:36px;height:36px;min-width:36px;min-height:36px}.chat-close-icon{width:32px;height:32px}.chat-window{bottom:72px}}

/* Chat widget P-tile shape — brand consistency fix (2026-04-28). Per CLAUDE.md §10, the canonical Pathway P-tile is a rounded square (matching the header .logo-icon). All chat-widget avatars previously used border-radius:50% (circles). Switched to brand-matching rounded squares: 12px on the 60x60 floating bubble (proportional to header's 8px on 40x40), 8px on the smaller in-chat avatars. */
.chat-bubble{border-radius:12px}
.chat-header-avatar{border-radius:8px}
.chat-msg-avatar{border-radius:8px}

/* Chat avatar P-glyph sizing — brand-canonical 60% (2026-04-28). Brand-Spec-for-Claude.md §3 mandates the P letter at 60% of canvas height across all P-tile instances. The header .logo-icon is at 2.08rem (~58% canonical). Bringing chat avatars to match: .chat-header-avatar uses 2.08rem (1:1 with header logo, both are 40×40); .chat-msg-avatar uses 1.66rem (proportional for the smaller 32×32 tile = 2.08rem × 32/40). Resolves visual drift where chat Ps appeared half-size vs header. */
.chat-header-avatar{font-size:2.08rem}
.chat-msg-avatar{font-size:1.66rem}

/* Chat widget controls — final brand-consistency pass (2026-04-28). Convert the close button (was circle with text-X) and send button (was circle with SVG arrow) to rounded squares. The header close X is replaced with two CSS-drawn 14×2px lines rotated ±45deg — eliminates the font-metrics off-center artifact of the &times; HTML entity. CSS-only fix, no HTML changes needed across all 31 pages. */
.chat-header-close{border-radius:8px;font-size:0;position:relative}
.chat-header-close::before,.chat-header-close::after{content:'';position:absolute;width:14px;height:2px;background:white;top:50%;left:50%}
.chat-header-close::before{transform:translate(-50%,-50%) rotate(45deg)}
.chat-header-close::after{transform:translate(-50%,-50%) rotate(-45deg)}
.chat-send-btn{border-radius:8px}