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38%;width:100%;height:100%}.hero-overlay{z-index:1;pointer-events:none;background:linear-gradient(129deg,#fff 9%,#ffffffc2 42%,#fff0 86%);position:absolute;inset:0}.hero-inner{z-index:2;width:100%;padding-block:clamp(2rem,5vw,3rem);position:relative}.hero-content{max-width:680px}.hero-headline{margin-bottom:.35em}.hero-tagline{font-family:var(--font-display);color:var(--ink);margin:0 0 1.5rem;font-size:20px;font-weight:400}.hero-actions{flex-wrap:wrap;gap:1rem;display:flex}@media (width>=641px){.hero{min-height:max(560px, calc(100vh - var(--header-total-height)));min-height:max(560px, calc(100svh - var(--header-total-height)))}.hero-content{max-width:1020px}.hero-inner{transform:translateY(calc(-1*clamp(12px,2vh,32px)))}.hero-headline{font-size:clamp(46px,4vw,72px)}.hero-tagline{margin-bottom:1.5em;font-size:clamp(20px,1.6vw,28px)}.hero-actions .btn{padding:.8em 1.9em;font-size:clamp(16px,1.2vw,18px)}}.intro{background:var(--white)}.intro .container{padding-block:clamp(3.5rem,7vw,6rem)}.intro-paragraph{text-align:center;max-width:820px;color:var(--body-text);text-wrap:pretty;margin-inline:auto;margin-bottom:0;font-size:clamp(20px,1.55vw,26px);line-height:1.55}.started{background:var(--white)}.started .container{padding-block:clamp(3rem,6vw,5rem)}.started h2{margin-bottom:1rem}.started-cards{grid-template-columns:repeat(3,1fr);gap:32px;margin-top:2.5rem;display:grid}.started-card{background:var(--white);border:3px solid var(--blue-border);border-radius:var(--radius-card);text-align:center;padding:56px 28px 76px;position:relative}.started-card-icon{background:var(--white);justify-content:center;align-items:center;padding:8px 14px;display:flex;position:absolute;top:0;left:50%;transform:translate(-50%,-50%)}.started-card-icon img{width:110px}.started-card h3{margin-top:.5rem;font-weight:600}.started-card p{color:var(--body-text);margin:0}.card-arrow{border:2px solid var(--blue-border);background:var(--white);width:44px;height:44px;color:var(--navy);border-radius:50%;justify-content:center;align-items:center;transition:background-color .15s,border-color .15s;display:flex;position:absolute;bottom:24px;right:24px}.card-arrow:hover{background:var(--blue-band);border-color:var(--navy)}.card-arrow svg{width:18px;height:18px}.plain-terms{background:var(--white)}.plain-terms-inner{text-align:center;max-width:760px;margin-inline:auto;padding-block:clamp(3rem,6vw,5rem)}.plain-terms-inner p{color:var(--body-text);font-size:1.05rem}.tools{background:var(--blue-band)}.tools .container{padding-block:clamp(3rem,6vw,5rem)}.tools-inner{text-align:center;max-width:760px;margin-inline:auto}.tools-deck{color:var(--body-text);margin:0}.tools-cards{grid-template-columns:repeat(3,1fr);gap:24px;margin-top:2.5rem;padding:0;list-style:none;display:grid}.tools-card{background:var(--white);border:3px solid var(--blue-border);border-radius:var(--radius-card);position:relative;overflow:hidden}.tools-card-link{height:100%;color:inherit;padding:24px 22px 68px;text-decoration:none;transition:background-color .15s;display:block;position:relative}.tools-card-link:hover,.tools-card-link:focus-visible{background:var(--blue-band)}.tools-card-link:focus-visible{outline:2px solid var(--navy);outline-offset:-2px}.tools-card-link h3{margin-bottom:.35em;font-weight:600}.tools-card-link p{color:var(--body-text);margin:0}.tools-card-link:hover .card-arrow,.tools-card-link:focus-visible .card-arrow{background:var(--navy);border-color:var(--navy);color:var(--white)}@media (width<=900px){.tools-cards{grid-template-columns:repeat(2,1fr)}}@media (width<=640px){.tools-cards{grid-template-columns:1fr}}.calc-card{background:var(--white);border:3px solid var(--blue-border);border-radius:var(--radius-card);padding:clamp(24px,4vw,32px)}.calc-extra{border-top:1px solid var(--blue-border);margin-top:1.75rem;padding-top:1.25rem}.calc-extra .glossary-note{color:var(--body-text);margin:0 0 .75rem;font-size:.95rem}.calc-extra .calc-va-disclaimer{color:var(--body-text);opacity:.75;margin:0;font-size:.82rem}.calc-card .ffc-title{font-family:var(--font-display);color:var(--black);margin-bottom:1.25rem;font-size:clamp(1.35rem,1.1rem + 1vw,1.6rem);font-weight:600;line-height:1.2}.calc-card .ffc-label{color:var(--ink);font-size:.9rem;font-weight:700}.calc-card .ffc-input{border:1px solid var(--blue-border);border-radius:var(--radius-input);width:100%;min-height:44px;font:inherit;color:var(--ink);background:var(--white);padding:.6rem .75rem}.calc-card .ffc-input:focus-visible{outline:2px solid var(--navy);outline-offset:2px;border-color:var(--navy)}.calc-card.calc-card .ffc-choice{border:0;flex-wrap:wrap;gap:.6rem;margin:0;padding:0;display:flex}.calc-card .ffc-choice legend{width:100%;margin:0 0 .25em;padding:0}.calc-card .ffc-radio-label{white-space:nowrap;border:1px solid var(--blue-border);border-radius:var(--radius-input);cursor:pointer;min-width:6rem;min-height:44px;color:var(--ink);flex:auto;justify-content:center;align-items:center;gap:.4em;padding:0 1rem;font-size:.95rem;display:inline-flex;position:relative}.calc-card .ffc-radio-label:has(input:checked){background:var(--navy);border-color:var(--navy);color:var(--white)}.calc-card .ffc-radio-label input{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.calc-card .ffc-radio-label input:focus-visible{outline:none}.calc-card .ffc-radio-label:has(input:focus-visible){outline:2px solid var(--navy);outline-offset:2px}.calc-card .ffc-radio-label:has(input:checked):has(input:focus-visible){outline-color:var(--blue-border)}.calc-card .ffc-error{color:var(--navy);margin-top:.75rem;font-size:.9rem;font-weight:700}.calc-card .ffc-result{border-top:2px solid var(--blue-border);margin-top:1.75rem;padding-top:1.25rem}.calc-card .ffc-result-label{color:var(--ink);margin-bottom:.25rem;font-size:.95rem;display:block}.calc-card .ffc-amount{font-family:var(--font-display);color:var(--navy);font-size:clamp(2rem,1.7rem + 1.2vw,2.5rem);font-weight:600;line-height:1.1;display:block}.calc-card .ffc-rate{color:var(--ink);margin:.35rem 0 0;font-size:.95rem}.calc-card .ffc-disclaimer{color:var(--ink);opacity:.75;margin:.85rem 0 0;font-size:.82rem}.calc-card .ffc-next{color:var(--navy);text-underline-offset:2px;margin-top:.75rem;font-weight:700;text-decoration:underline;display:inline-block}.shutters-band{height:clamp(260px,32vw,460px);overflow:hidden}.shutters-band .shutters-photo{object-fit:cover;object-position:center 60%;width:100%;height:100%}.talk{background:var(--white)}.talk .container{padding-block:clamp(3rem,6vw,5rem)}.talk-box{background:var(--white);border:3px solid 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