@import"https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&family=Playfair+Display:wght@600;700&display=swap";html,body{margin:0;min-height:100%}body{background:#f0f6f9}:root{color-scheme:light;--bg: #f8fbfc;--surface: #ffffff;--surface-alt: #eff5f7;--brand: #0d6b8f;--brand-dark: #0a526d;--accent: #2fb5ad;--text: #11202c;--muted: #48606e;--border: #d5e3ea;--radius: 16px;--shadow: 0 18px 40px rgba(17, 32, 44, .08);--font-display: "Playfair Display", "Georgia", serif;--font-body: "Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif}*{box-sizing:border-box}html,body,#root{min-height:100%}body{margin:0;font-family:var(--font-body);color:var(--text);background:linear-gradient(180deg,#f0f8fbb3,#fff 220px);line-height:1.6}a{color:inherit}.app-shell{display:flex;flex-direction:column;min-height:100vh}.top-nav{position:sticky;top:0;z-index:10;background:#fffffff0;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid rgba(13,107,143,.08)}.top-nav-inner{margin:0 auto;max-width:1200px;padding:.75rem 1.5rem;display:flex;align-items:center;justify-content:space-between;gap:1rem}.top-nav .brand{font-weight:700;font-size:1.1rem;letter-spacing:.04em;text-decoration:none;color:var(--brand)}.top-nav ul{list-style:none;display:flex;gap:1rem;margin:0;padding:0}.top-nav li a{text-decoration:none;font-size:.95rem;color:var(--muted);padding:.35rem .65rem;border-radius:999px;transition:background .2s ease,color .2s ease}.top-nav li a:hover,.top-nav li a:focus-visible{background:#0d6b8f1f;color:var(--brand);outline:none}.hero{padding:5rem 1.5rem 3rem;display:flex;justify-content:center;background:linear-gradient(180deg,#0d6b8f0f,#0d6b8f00)}.hero-content{max-width:780px;text-align:center;background:#ffffffe6;border-radius:var(--radius);padding:3rem 3.5rem;box-shadow:var(--shadow)}.hero-eyebrow{text-transform:uppercase;letter-spacing:.2em;font-size:.75rem;margin-bottom:1rem;color:var(--muted)}.hero h1{font-family:var(--font-display);font-size:clamp(2.5rem,4vw,3.1rem);margin:0 0 1rem}.hero-subhead{font-size:1.05rem;margin:0 auto 1rem;max-width:520px;color:var(--muted)}.hero-rotator{font-weight:600;color:var(--brand);margin-bottom:1.5rem}.hero-cta{display:flex;justify-content:center;gap:1rem;flex-wrap:wrap;margin-bottom:1.5rem}.hero .primary,.hero .secondary{display:inline-flex;align-items:center;justify-content:center;padding:.85rem 1.6rem;border-radius:999px;border:1px solid transparent;text-decoration:none;font-weight:600;transition:transform .2s ease,box-shadow .2s ease}.primary{background:var(--brand);color:#fff;box-shadow:0 10px 20px #0d6b8f3d}.primary:hover,.primary:focus-visible{transform:translateY(-1px);box-shadow:0 14px 26px #0d6b8f4d;outline:none}.secondary{background:#0d6b8f14;color:var(--brand-dark);border-color:#0d6b8f33}.secondary:hover,.secondary:focus-visible{transform:translateY(-1px);background:#0d6b8f24;outline:none}.hero-disclaimer{font-size:.85rem;color:var(--muted);margin:0}.pmms-banner{max-width:960px;margin:0 auto 3rem;padding:1.5rem 2rem;border-radius:var(--radius);background:var(--surface);box-shadow:var(--shadow);display:grid;gap:.75rem}.pmms-banner ul{margin:0;padding:0;list-style:none;display:grid;gap:.5rem}.pmms-banner li{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.5rem;font-size:.9rem}.pmms-banner a{color:var(--brand);text-decoration:underline}.pmms-footnote{margin:0;font-size:.75rem;color:var(--muted)}main{flex:1;display:grid;gap:3.5rem;max-width:1100px;margin:0 auto;padding:0 1.5rem 4rem}.section-heading{margin-bottom:1.5rem}.section-heading h2{margin:0;font-size:clamp(1.8rem,3vw,2.2rem);font-family:var(--font-display)}.eyebrow{margin:0 0 .35rem;text-transform:uppercase;letter-spacing:.18em;font-size:.75rem;color:var(--muted)}.tool{background:var(--surface);padding:2.5rem;border-radius:var(--radius);box-shadow:var(--shadow)}.tool-lead{margin-top:-.5rem;margin-bottom:1.5rem;color:var(--muted);max-width:720px}.tool-form,.grid,.knowledge-grid,.scenario-grid,.analysis-grid{display:grid;gap:1.5rem}.span-2{grid-column:span 2}.tool-form label,.grid label{display:grid;gap:.5rem;font-weight:600;color:var(--muted)}.stack{display:grid;gap:.5rem}input,textarea,select{width:100%;padding:.75rem .85rem;border-radius:12px;border:1px solid var(--border);font:inherit;background:#fff;transition:border .2s ease,box-shadow .2s ease}input:focus-visible,textarea:focus-visible,select:focus-visible{border-color:var(--brand);box-shadow:0 0 0 3px #0d6b8f33;outline:none}textarea{min-height:140px;resize:vertical}.mode-selector{display:flex;gap:.75rem;flex-wrap:wrap}.mode-selector button{border:none;padding:.6rem 1.2rem;border-radius:999px;background:#0d6b8f14;color:var(--brand-dark);font-weight:600;cursor:pointer;transition:background .2s ease,transform .2s ease}.mode-selector button.active{background:var(--brand);color:#fff;transform:translateY(-1px)}.mode-selector button:focus-visible{outline:none;box-shadow:0 0 0 3px #0d6b8f33}.form-actions{display:flex;align-items:center;gap:1rem;flex-wrap:wrap}.turnaround{margin:0;font-size:.85rem;color:var(--muted)}.error{color:#b42318;font-weight:600}.loading-dots{display:inline-flex;align-items:center;gap:.4rem;margin-top:1rem}.loading-dots span{width:.75rem;height:.75rem;border-radius:50%;background:var(--brand);display:inline-block;animation:loading 1.2s infinite ease-in-out both}.loading-dots span:nth-child(2){animation-delay:.2s}.loading-dots span:nth-child(3){animation-delay:.4s}.loading-label{margin-left:.5rem;font-size:.85rem;color:var(--muted)}@keyframes loading{0%,80%,to{transform:scale(0)}40%{transform:scale(1)}}.card{background:var(--surface-alt);padding:1.75rem;border-radius:var(--radius);box-shadow:inset 0 0 0 1px #0d6b8f14;display:grid;gap:1rem}.card h3{margin:0;font-family:var(--font-display)}.card ul,.card ol,.card dl{margin:0;padding:0;list-style:none}.card ul li,.card ol li{margin:0;padding:0}.card dl div{display:flex;justify-content:space-between;padding:.35rem 0;border-bottom:1px solid rgba(13,107,143,.12)}.card dl dt{font-weight:600;color:var(--muted)}.card dl dd{margin:0;font-weight:600;color:var(--text)}.analysis-grid{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}.pill{display:inline-flex;align-items:center;justify-content:center;padding:.2rem .6rem;border-radius:999px;background:#0d6b8f1f;font-size:.75rem;margin-left:.45rem;color:var(--brand-dark)}.chip-row{display:flex;gap:.75rem;flex-wrap:wrap}.chip{display:inline-flex;align-items:center;gap:.4rem;padding:.5rem 1rem;border-radius:12px;background:#2fb5ad24;color:var(--brand-dark);text-decoration:none;font-weight:600}.meta{font-size:.85rem;color:var(--muted);margin:0}.disclaimer{font-size:.8rem;color:var(--muted);margin-top:.75rem}.scenario-grid{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}.knowledge-grid{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}.mortgage-results ul{display:grid;gap:.6rem}.mortgage-results li{display:flex;justify-content:space-between;align-items:center}.mortgage-results .total{font-weight:700;margin:0;font-size:1.1rem}.ai-response{margin-top:1rem;background:#2fb5ad1a;padding:1rem;border-radius:12px;font-family:Georgia,serif}.ai-response p{margin:0 0 .6rem}.letter pre{margin:0;white-space:pre-wrap;font-family:"Source Serif Pro",Georgia,serif;background:#0d6b8f0d;padding:1rem;border-radius:12px}.site-footer{margin-top:auto;background:#0c2735;color:#fff;padding:2.5rem 1.5rem;display:flex;justify-content:center}.site-footer>div{max-width:400px;margin:0 1.5rem}.site-footer a{color:#fff}@media (max-width: 860px){.top-nav-inner ul{display:none}.hero-content{padding:2.5rem 1.75rem}.tool{padding:2rem}.pmms-banner{margin:0 1.5rem 2.5rem}}@media (max-width: 600px){.tool,.pmms-banner{padding:1.5rem}.analysis-grid,.scenario-grid,.knowledge-grid{grid-template-columns:1fr}.span-2{grid-column:span 1}}