:root{--navy:#112b44;--navy2:#1b3b55;--teal:#147c73;--mint:#b7f1df;--ink:#1b2937;--muted:#5b6b79;--line:#dfe7e9;--soft:#f3f7f7;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font:16px/1.6 system-ui,-apple-system,'Segoe UI',sans-serif;background:#fff}a{color:inherit}button,input,select{font:inherit}.container{width:min(1180px,calc(100% - 40px));margin:auto}.skip{position:absolute;top:-60px;left:10px;background:#fff;padding:8px;z-index:99}.skip:focus{top:8px}.topline{background:#0b2034;color:#d9e6ec;font-size:.83rem}.topline-inner{display:flex;justify-content:space-between;gap:12px;padding:9px 0}.topline a{color:#fff;font-weight:700;text-decoration:none}.header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:76px}.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--navy);font-weight:850;letter-spacing:-.04em;font-size:1.35rem;line-height:1}.brand small{display:block;color:var(--muted);font-size:.61rem;letter-spacing:.08em;font-weight:650;margin-top:6px}.brand-dot{color:var(--teal)}.brand-icon{display:grid;place-items:center;width:40px;height:40px;border-radius:11px;background:var(--navy);color:#fff;font-size:.9rem;letter-spacing:0}.nav nav{display:flex;gap:26px}.nav nav a{text-decoration:none;color:#465768;font-weight:650;font-size:.92rem}.nav nav a:hover,.network-link:hover strong{color:var(--teal)}.button{display:inline-flex;justify-content:center;align-items:center;gap:9px;text-decoration:none;border-radius:11px;padding:13px 19px;font-weight:750;background:var(--navy);color:#fff;border:1px solid var(--navy);transition:.2s}.button:hover{transform:translateY(-2px);background:var(--navy2)}.button.small{padding:10px 14px;font-size:.87rem}.button.accent{background:var(--mint);border-color:var(--mint);color:#102d3d}.button.ghost{background:transparent;border-color:#8da4b3;color:#fff}.button.outline{background:transparent;color:var(--navy)}.hero{background:radial-gradient(circle at 85% 20%,#275b68 0,transparent 34%),linear-gradient(125deg,#10283f,#183f51 70%,#0f504c);color:#fff;padding:84px 0 92px}.hero-grid{display:grid;grid-template-columns:1.13fr .87fr;gap:70px;align-items:center}.eyebrow{font-size:.76rem;font-weight:850;letter-spacing:.16em;text-transform:uppercase;color:var(--teal);margin:0 0 13px}.eyebrow.light{color:var(--mint)}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(2.6rem,5vw,4.65rem);line-height:1.08;letter-spacing:-.06em;margin-bottom:24px;max-width:690px}h1 em{font-style:normal;color:var(--mint)}.hero-copy{color:#d9e5e9;font-size:1.12rem;max-width:600px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.hero-proof{display:flex;gap:16px;flex-wrap:wrap;margin-top:29px;color:#d2e3e6;font-size:.83rem}.hero-card{background:#fff;color:var(--ink);padding:30px;border-radius:22px;box-shadow:0 22px 65px #081a2d40}.card-top{display:flex;align-items:center;justify-content:space-between}.tag{background:#e5f6ef;color:#1c6a58;font-size:.75rem;font-weight:800;border-radius:20px;padding:4px 10px}.hero-card h2{font-size:1.55rem;letter-spacing:-.035em}.hero-card label,.inputs label{display:block;font-size:.83rem;font-weight:750;margin:12px 0 6px;color:#354d5d}.hero-card input,.hero-card select,.inputs input:not([type=checkbox]),.inputs select{width:100%;padding:12px 13px;border:1px solid #cbd9df;border-radius:10px;color:var(--ink);background:#fff;outline:none}.hero-card input:focus,.hero-card select:focus,.inputs input:focus,.inputs select:focus{border-color:var(--teal);box-shadow:0 0 0 3px #147c7320}.money-input{position:relative}.money-input span{position:absolute;left:14px;top:12px;color:var(--muted)}.money-input input{padding-left:30px}.field-pair{display:grid;grid-template-columns:1fr 1fr;gap:16px}.snapshot{margin-top:23px;padding:18px 20px;background:var(--soft);border-radius:12px}.snapshot span,.output-label{display:block;color:var(--muted);font-size:.83rem}.snapshot strong{display:block;color:var(--navy);font-size:2.1rem;letter-spacing:-.045em;margin-top:3px}.micro{font-size:.77rem;color:#687b85;line-height:1.55;margin:12px 0 0}.trust-strip{border-bottom:1px solid var(--line)}.trust-strip .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding:22px 0;color:#446171;font-weight:750;font-size:.87rem}.section{padding:83px 0}.soft{background:var(--soft)}.section-heading{max-width:750px;margin-bottom:32px}.section-heading h2,.about-grid h2,.rate-banner h2{font-size:clamp(1.9rem,3.3vw,2.85rem);letter-spacing:-.045em;line-height:1.14;margin-bottom:13px}.section-heading>p:last-child,.about-grid p{color:var(--muted)}.cards{display:grid;gap:20px}.cards.three{grid-template-columns:repeat(3,1fr)}.cards.two{grid-template-columns:repeat(2,1fr)}.service{padding:30px;border:1px solid var(--line);border-radius:18px;background:#fff}.service-icon{background:#e4f5ef;color:#126e61;border-radius:12px;width:46px;height:46px;display:grid;place-items:center;font-size:1.45rem}.service h3{font-size:1.25rem;margin:19px 0 10px}.service p{color:var(--muted);font-size:.94rem}.service a{color:var(--teal);font-weight:750;text-decoration:none}.calc-shell{border-radius:20px;background:#fff;border:1px solid var(--line);box-shadow:0 12px 35px #122a4010;overflow:hidden}.tabs{display:flex;gap:3px;padding:13px 17px;border-bottom:1px solid var(--line);overflow-x:auto}.tab{border:0;background:transparent;padding:12px 18px;border-radius:10px;white-space:nowrap;cursor:pointer;color:#506575;font-weight:750}.tab.active{background:var(--navy);color:#fff}.tab-panel{padding:34px}.tab-panel[hidden]{display:none}.calc-grid{display:grid;grid-template-columns:1fr .86fr;gap:40px}.inputs h3{font-size:1.35rem}.inputs .check{display:flex;align-items:flex-start;gap:10px;font-weight:600;margin:18px 0}.check input{margin-top:5px}.calc-output{padding:29px;background:var(--navy);color:#fff;border-radius:16px;align-self:stretch}.calc-output .output-label{color:#c9d8e3}.calc-output>strong{display:block;font-size:clamp(2rem,4vw,2.8rem);letter-spacing:-.05em;margin:8px 0 22px}.output-row{display:flex;justify-content:space-between;gap:15px;padding:13px 0;border-top:1px solid #ffffff30;font-size:.88rem}.calc-output p{color:#bfd1dd;font-size:.77rem;margin:20px 0 0}.rate-banner{border-radius:22px;padding:48px;background:linear-gradient(120deg,#102b45,#17645e);color:#fff;display:flex;align-items:center;gap:30px;justify-content:space-between}.rate-banner>div:first-child{max-width:700px}.rate-banner p:not(.eyebrow){color:#d9e7e9}.rate-banner .actions{flex-direction:column;min-width:220px}.about-grid{display:grid;grid-template-columns:1fr .7fr;gap:65px;align-items:center}.contact-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:32px;box-shadow:0 10px 30px #122a400b}.contact-card h3{font-size:1.6rem;line-height:1.2}.contact-card>a{display:block;color:var(--teal);font-weight:800;text-decoration:none;margin:15px 0;overflow-wrap:anywhere}.network-link{border:1px solid var(--line);border-radius:17px;padding:26px;text-decoration:none;background:#fff}.network-link>span{font-size:.73rem;letter-spacing:.12em;color:var(--teal);font-weight:800}.network-link strong{display:block;font-size:1.24rem;margin:10px 0}.network-link p{color:var(--muted);margin:0}footer{background:#0d2438;color:#fff;padding:37px 0 92px}.foot{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.foot strong{font-size:1.25rem}.foot p{color:#c2d0da}.foot a{display:block;color:#fff;text-decoration:none;margin-bottom:9px}.legal{border-top:1px solid #ffffff30;margin-top:22px;padding-top:19px;color:#b8c9d4;font-size:.77rem}.mobile-cta{display:none}@media(max-width:950px){.nav nav{display:none}.hero-grid,.calc-grid,.about-grid{grid-template-columns:1fr;gap:28px}.hero{padding:65px 0}.cards.three{grid-template-columns:1fr}.rate-banner{flex-direction:column;align-items:flex-start}.rate-banner .actions{flex-direction:row}}@media(max-width:600px){.container{width:min(100% - 28px,1180px)}.topline-inner{font-size:.75rem;flex-direction:column;gap:2px}.nav{min-height:68px}.brand{font-size:1.12rem}.brand-icon{width:34px;height:34px}.nav>.button{font-size:.74rem;padding:9px}.hero{padding:50px 0}.hero-card,.tab-panel{padding:21px}.field-pair,.cards.two{grid-template-columns:1fr}.section{padding:57px 0}.trust-strip .container{display:grid;grid-template-columns:1fr 1fr}.tabs{padding:9px}.tab{font-size:.8rem;padding:10px}.rate-banner{padding:27px}.rate-banner .actions{width:100%;flex-direction:column}.rate-banner .button{width:100%}.mobile-cta{display:flex;position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--line);padding:10px 12px;gap:10px;z-index:30}.mobile-cta a{flex:1;text-align:center;background:var(--navy);color:#fff;text-decoration:none;border-radius:9px;padding:11px;font-weight:800}.mobile-cta a:last-child{background:#e6f4ef;color:var(--navy)}}

/* Loanrate v2: rates, HELOC, offers, FAQs and sharing */
.rate-switch,.share-actions{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0}.rate-filter{border:1px solid #b9d4d6;border-radius:999px;padding:11px 20px;background:white;color:#123a4b;font-weight:750;cursor:pointer}.rate-filter.active,.rate-filter[aria-pressed=true]{background:#112b44;color:#fff;border-color:#112b44}.rate-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(205px,1fr));gap:16px}.rate-tile{position:static;display:flex;flex-direction:column;gap:10px;background:#fff;border:1px solid #cfe2e1;border-radius:18px;padding:21px;box-shadow:0 6px 18px #132c4310}.rate-tile.variable{background:#f6f1ff;border-color:#d9c7f7}.rate-tile[hidden]{display:none!important}.rate-term{font-weight:800;color:#12394c}.rate-tile strong{font-size:2.25rem;line-height:1.1;color:#126f77}.rate-tile.variable strong{color:#6e35a5}.rate-note{font-size:.78rem;color:#5b6873;min-height:44px}.rate-action{margin-top:auto;font-size:.86rem;font-weight:750;color:#0b615c}.rate-disclaimer{font-size:.88rem;color:#465d67;margin-top:16px}.feature-split,.insight-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.feature-panel,.insight{border:1px solid #dce7e9;border-radius:18px;background:#fff;padding:24px;margin:0}.feature-panel ul{padding-left:24px}.feature-panel li{margin:8px 0}.feature-panel .rate-big{font-size:1.7rem;color:#126f77;font-weight:850}.offer-panel{background:#fff9ec;border-color:#f0d6a4}.insight img{width:100%;height:auto;display:block}.insight figcaption{font-size:.85rem;color:#526473;margin-top:10px}.faq-list{display:grid;gap:12px;max-width:960px}.faq-list details{border:1px solid #dbe7e9;border-radius:14px;background:white;padding:0 20px}.faq-list summary{cursor:pointer;font-weight:750;padding:17px 0;color:#112b44}.faq-list details p{margin:0 0 18px;color:#455968}.share-actions .button{cursor:pointer}.share-actions button{font:inherit}.rate-tile a:focus-visible,.rate-filter:focus-visible,.faq-list summary:focus-visible{outline:3px solid #147c73;outline-offset:3px}@media(max-width:720px){.feature-split,.insight-grid{grid-template-columns:1fr}.rate-grid{grid-template-columns:repeat(auto-fit,minmax(155px,1fr))}.rate-tile{padding:15px}.rate-tile strong{font-size:1.8rem}.nav nav{gap:8px;flex-wrap:wrap}.nav nav a{font-size:.8rem}}

/* v3: always-readable rate reference table, prominent navigation and customer reviews */
.quick-rate-actions{display:flex;flex-wrap:wrap;gap:12px;margin:18px 0 4px}
.rate-fallback{margin:26px 0 12px;background:#f7fbfb;padding:22px;border:1px solid #cfe2e1;border-radius:18px}
.rate-fallback h3{margin:0 0 8px}.rate-reference-table{overflow-x:auto}
.rate-reference-table table{width:100%;border-collapse:collapse;min-width:320px}
.rate-reference-table th,.rate-reference-table td{text-align:left;padding:11px 14px;border-bottom:1px solid #d8e6e5}
.rate-reference-table td:last-child{color:#0c7379;font-weight:800}
.review-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
.review-card{margin:0;padding:24px;border:1px solid #d7e7e5;border-radius:16px;background:#f8fbfb}
.review-card p{font-size:1.05rem;line-height:1.7}.review-card footer{font-weight:700;margin-top:15px}
.sister-site{padding:14px 0;text-align:center}.sister-site a{font-weight:800;text-decoration:underline}

/* v4 rate display independent of legacy rate-tile/rate-grid CSS */
.lr4-switch{display:flex;gap:10px;flex-wrap:wrap;margin:24px 0 20px}.lr4-filter{border:2px solid #b9d6d7;border-radius:999px;padding:12px 20px;background:white;color:#173a4b;font-weight:800;cursor:pointer}.lr4-filter.is-active,.lr4-filter[aria-pressed="true"]{background:#112b44;color:white;border-color:#112b44}.lr4-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:15px}.lr4-card{position:static!important;display:flex;flex-direction:column;gap:12px;padding:22px;border:1px solid #cfe2e1;border-radius:18px;background:#f5fbfc;min-height:215px}.lr4-card.lr4-variable{background:#f4efff;border-color:#cdb6ef}.lr4-term{font-weight:800;color:#173a4b}.lr4-card strong{font-size:2.25rem;color:#116b78}.lr4-card.lr4-variable strong{color:#6d35a4}.lr4-note{font-size:.8rem;color:#596b77}.lr4-cta{margin-top:auto;font-weight:800;text-decoration:underline;color:#145a67}.lr4-filter:focus-visible{outline:3px solid #1d817c;outline-offset:2px}

/* Verified screenshot-sourced customer reviews */
.review-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.review-card{background:#fff;border:1px solid #dfe8ec;border-radius:16px;padding:22px;box-shadow:0 8px 28px rgba(17,43,68,.06);display:flex;flex-direction:column;gap:12px;min-width:0}
.review-top{display:flex;align-items:center;gap:12px}.review-top strong{color:#112b44;font-size:1rem}
.review-avatar{background:#e8f2f4;color:#116575;border-radius:50%;width:44px;height:44px;display:grid;place-items:center;font-weight:800;flex-shrink:0}
.review-date{font-size:.78rem;color:#647583;margin-top:3px}.review-stars{color:#e8a017;letter-spacing:2px;font-size:1.12rem}
.review-card blockquote{margin:0;color:#263f50;line-height:1.65;font-size:.95rem;overflow-wrap:anywhere}
.review-footer{display:flex;gap:18px;align-items:center;flex-wrap:wrap;margin-top:24px}.review-footer p{flex:1}
@media(max-width:900px){.review-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:600px){.review-grid{grid-template-columns:1fr}.review-card{padding:18px}}


/* v10: focused conversion pathways and ad-matched landing pages */
.hero-review-link{display:inline-block;color:var(--mint);font-weight:750;margin-top:16px;text-underline-offset:4px}
.trust-strip .container .trust-link{color:#115b60;font-weight:800;text-decoration:underline;text-underline-offset:3px}
.intent-section{padding:67px 0 55px;background:#fff}.section-heading.compact{margin-bottom:30px}.intent-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.intent-card{display:flex;flex-direction:column;gap:12px;padding:26px;border:1px solid #d5e5e5;border-radius:19px;text-decoration:none;box-shadow:0 7px 23px #0d2f3e0b;transition:transform .18s,box-shadow .18s}.intent-card:hover{transform:translateY(-3px);box-shadow:0 10px 30px #0d2f3e1b}.intent-card strong{color:var(--navy);font-size:1.3rem;line-height:1.2}.intent-card span:not(.intent-icon){color:var(--muted);font-size:.93rem}.intent-card b{color:var(--teal);margin-top:auto}.intent-icon{display:grid;place-items:center;width:48px;height:48px;border-radius:15px;background:#e5f6ef;color:#116e63;font-size:1.55rem}
.journey-section{background:#f3f8f7}.journey-inner{display:grid;grid-template-columns:1fr 1.2fr;gap:22px 55px;align-items:center}.journey-inner>div:first-child p:not(.eyebrow){color:var(--muted)}.journey-steps{display:grid;gap:14px}.journey-steps>div{display:grid;grid-template-columns:36px 1fr;gap:0 12px;align-items:start}.journey-steps span{grid-row:1/3;color:var(--teal);font-weight:900}.journey-steps strong{color:var(--navy)}.journey-steps p{margin:1px 0 0;color:var(--muted);font-size:.88rem}.journey-actions{display:flex;gap:12px;flex-wrap:wrap;grid-column:1/-1}
.contact-prompt{padding:50px 0}.contact-prompt-panel{display:grid;grid-template-columns:1.25fr .75fr;align-items:center;gap:32px;background:linear-gradient(125deg,#10283f,#17584f);color:#fff;border-radius:23px;padding:46px}.contact-prompt-panel h2{font-size:clamp(1.9rem,3vw,2.6rem)}.contact-prompt-panel p:not(.eyebrow){color:#dce9e9}.contact-prompt-actions{display:flex;flex-direction:column;gap:11px}.contact-email-link{color:#dce9e9;text-align:center;text-underline-offset:4px;font-weight:700}.privacy-link{margin-left:22px}.mobile-cta a:nth-child(2){background:#dff3ec;color:#123b44}.mobile-cta a:last-child{background:#f1f5f7;color:#173d4c}
/* Paid landing pages */
.ad-body{background:#fff}.ad-head{background:#fff;border-bottom:1px solid var(--line)}.ad-head-inner{display:flex;align-items:center;justify-content:space-between;gap:15px;min-height:82px}.ad-head-links{display:flex;gap:14px;align-items:center}.ad-head-links .ad-home{color:#406070;font-size:.88rem;font-weight:750;text-decoration:none}.ad-head-links .button{white-space:nowrap}
.ad-hero{background:radial-gradient(circle at 90% 18%,#276b64 0,transparent 30%),linear-gradient(125deg,#0d263c,#16524e);color:#fff;padding:77px 0}.ad-hero-grid{display:grid;grid-template-columns:1.3fr .75fr;gap:55px;align-items:center}.ad-hero h1{font-size:clamp(2.55rem,4.7vw,4.25rem);max-width:780px}.ad-hero h1 em{color:var(--mint)}.ad-hero-grid > div:first-child > p:not(.eyebrow){color:#d4e6e5;font-size:1.08rem}.ad-hero .ad-trust{display:flex;flex-wrap:wrap;gap:10px 18px;margin:22px 0 0;color:#d4e6e5;font-size:.84rem}.ad-hero .ad-trust span{white-space:normal}
.ad-contact-card{background:white;border-radius:19px;color:var(--navy);padding:28px;box-shadow:0 20px 55px #081e2e50}.ad-contact-card h2{font-size:1.5rem;line-height:1.2}.ad-contact-card p{color:var(--muted);font-size:.9rem}.ad-contact-card .button{display:flex;width:100%;margin-top:11px}.ad-contact-card .button.outline{color:var(--navy)}.ad-contact-card .ad-phone{font-size:1.25rem;color:var(--teal);font-weight:850;margin-bottom:5px}.ad-contact-card small{display:block;color:#647785;margin-top:14px;line-height:1.5}
.ad-section{padding:67px 0}.ad-section.muted{background:#f4f8f7}.ad-section h2{font-size:clamp(1.9rem,3vw,2.7rem);letter-spacing:-.045em;line-height:1.16}.ad-section>div>p:first-of-type{max-width:850px}.ad-content-grid{display:grid;grid-template-columns:1fr 1fr;gap:35px 55px;align-items:start}.ad-content-grid p{color:var(--muted)}.ad-checks{padding:0;list-style:none}.ad-checks li{padding:12px 0 12px 31px;border-bottom:1px solid #dae7e4;position:relative}.ad-checks li:before{content:'✓';position:absolute;left:0;color:var(--teal);font-weight:900}.ad-info-box{padding:27px;border:1px solid #d6e7e3;border-radius:17px;background:#fff}.ad-info-box p{color:var(--muted)}.ad-mini-review{border:1px solid #dbe7e7;border-radius:17px;padding:25px;background:#fff}.ad-mini-review .review-stars{margin:0 0 8px}.ad-mini-review blockquote{font-size:.99rem;line-height:1.65;margin:0 0 15px;color:#314755}.ad-mini-review strong{color:var(--navy)}.ad-review-note{margin-top:18px}.ad-review-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}.ad-bottom-cta{background:#103347;color:#fff;text-align:center;padding:60px 0 88px}.ad-bottom-cta h2{font-size:clamp(2rem,3.2vw,2.8rem)}.ad-bottom-cta p{color:#dce7e9}.ad-bottom-cta .actions{justify-content:center}
.ad-footer{background:#0d2438;color:#b9c9d5;padding:27px 0 100px;font-size:.82rem}.ad-footer .container{display:flex;gap:20px;flex-wrap:wrap;justify-content:space-between}.ad-footer a{color:#fff}.ad-legal{max-width:760px}
.privacy-main{max-width:830px;margin:64px auto 100px;padding:0 24px}.privacy-main h1{font-size:clamp(2.2rem,4vw,3.2rem);color:var(--navy)}.privacy-main h2{font-size:1.4rem;margin-top:28px}.privacy-main p{color:#415462}
@media(max-width:950px){.intent-grid{grid-template-columns:1fr 1fr}.journey-inner,.ad-hero-grid{grid-template-columns:1fr}.ad-hero-grid{gap:24px}.ad-contact-card{max-width:550px}}
@media(max-width:650px){.intent-grid,.ad-content-grid,.ad-review-row,.contact-prompt-panel{grid-template-columns:1fr}.journey-inner{grid-template-columns:1fr}.ad-head-inner{min-height:68px}.ad-head-links .ad-home{display:none}.ad-hero{padding:48px 0 40px}.ad-contact-card{padding:21px}.ad-section{padding:49px 0}.contact-prompt-panel{padding:27px}.ad-bottom-cta{padding:55px 0 100px}.mobile-cta a{font-size:.86rem;padding:11px 6px}.privacy-link{margin-left:8px}}