*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--gd:#1A4731;--gm:#2D6A4F;--gb:#1B5E20;--gbh:#154a19;--gl:#E8F5EC;--gp:#F0FAF2;--or:#E8640A;--wh:#fff;--bd:#D4E8DA;--tx:#0F2417;--mu:#4A6358;--m2:#7A9A88;--ra:16px;--rs:10px;--sh:0 2px 16px rgba(26,71,49,.09)}
html{scroll-behavior:smooth}body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',system-ui,sans-serif;background:var(--gl);color:var(--tx);line-height:1.6;font-size:16px}
a{color:var(--gm)}a:hover{opacity:.8}
.pw{max-width:1080px;margin:0 auto;padding:24px 16px 60px;display:grid;grid-template-columns:1fr 280px;gap:24px;align-items:start}
@media(max-width:820px){.pw{grid-template-columns:1fr}}
.cd{background:var(--wh);border-radius:var(--ra);box-shadow:var(--sh);padding:28px;margin-bottom:20px}
.ph{background:linear-gradient(160deg,var(--gd),var(--gm));padding:36px 20px 28px;text-align:center}
.ph h1{font-size:clamp(1.1rem,3.5vw,1.9rem);font-weight:800;color:#fff;line-height:1.2;margin-bottom:8px}
.ph p{font-size:.9rem;color:rgba(255,255,255,.82);max-width:560px;margin:0 auto}
.ph .bg{display:inline-block;background:rgba(110,228,154,.2);color:#6EE49A;border:1px solid rgba(110,228,154,.4);border-radius:20px;font-size:.72rem;font-weight:700;padding:3px 10px;margin-bottom:10px}
.bc{background:#fff;border-bottom:1px solid var(--bd);padding:9px 20px;font-size:.78rem;color:var(--m2)}
.bci{max-width:1080px;margin:0 auto}.bc a{color:var(--gm)}.bc span{margin:0 5px}
.res-box{background:linear-gradient(135deg,var(--gd),var(--gm));border-radius:var(--ra);padding:22px;text-align:center;margin-bottom:16px}
.res-box .rl{font-size:.75rem;color:rgba(255,255,255,.7);font-weight:600;text-transform:uppercase;letter-spacing:.4px;margin-bottom:5px}
.res-box .rv{font-size:2.8rem;font-weight:800;color:#fff;letter-spacing:-2px;line-height:1}
.res-box .rs2{font-size:.75rem;color:rgba(255,255,255,.6);margin-top:6px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:16px}
@media(max-width:480px){.grid3{grid-template-columns:1fr 1fr}}
.gi{background:var(--gp);border-radius:var(--rs);padding:12px;border-left:3px solid var(--gm)}
.gi.or{border-left-color:var(--or)}.gi.dk{border-left-color:var(--gd)}
.gl2{font-size:.67rem;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--m2);margin-bottom:2px}
.gv{font-size:1.05rem;font-weight:800;color:var(--gd)}
.inp{width:100%;padding:11px 12px;border:1.5px solid var(--bd);border-radius:var(--rs);font-size:.97rem;background:var(--gp);color:var(--tx)}
.inp:focus{outline:none;border-color:var(--gm)}
.pre-inp{padding-left:26px}.suf-inp{padding-right:28px}
input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none}
input[type=number]{-moz-appearance:textfield;appearance:textfield}
.fl{display:flex;flex-direction:column;gap:5px}
.fl label{font-size:.73rem;font-weight:700;text-transform:uppercase;letter-spacing:.6px;color:var(--mu)}
.iw{position:relative}
.iw .pr,.iw .su{position:absolute;top:50%;transform:translateY(-50%);color:var(--m2);font-size:.85rem;pointer-events:none}
.iw .pr{left:12px}.iw .su{right:12px}
.fg{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:520px){.fg{grid-template-columns:1fr}}
.btn{width:100%;margin-top:16px;padding:14px;background:var(--gb);color:#fff;border:none;border-radius:var(--rs);font-size:1rem;font-weight:800;cursor:pointer}
.btn:hover{background:var(--gbh)}.btn:active{transform:scale(.99)}
.rs-wrap{display:none;margin-top:22px;border-top:2px solid var(--gl);padding-top:20px}.rs-wrap.sh{display:block}
.sb{display:flex;flex-direction:column;gap:14px}
.sc{background:var(--wh);border-radius:var(--ra);box-shadow:var(--sh);padding:18px}
.sc h3{font-size:.85rem;font-weight:800;text-transform:uppercase;letter-spacing:.5px;color:var(--gd);margin-bottom:10px}
.sl{list-style:none;display:flex;flex-direction:column;gap:4px}
.sl li a{display:flex;align-items:center;justify-content:space-between;padding:7px 10px;border-radius:8px;font-size:.8rem;color:var(--tx);border:1px solid var(--bd);text-decoration:none}
.sl li a:hover{background:var(--gp)}
.sl li a .ar{color:var(--gm);font-size:.68rem}
.ql{list-style:none;display:flex;flex-direction:column;gap:4px}.ql li a{font-size:.8rem;display:block;padding:3px 0;color:var(--gm)}
.rate-w{background:linear-gradient(135deg,var(--gd),var(--gm));border-radius:var(--ra);padding:14px 16px;color:#fff}
.rate-w h3{font-size:.75rem;text-transform:uppercase;letter-spacing:.5px;color:#6EE49A;margin-bottom:8px}
.rr{display:flex;justify-content:space-between;align-items:center;margin-bottom:5px}
.rr span:first-child{font-size:.75rem;color:rgba(255,255,255,.75)}
.rr span:last-child{font-size:1.2rem;font-weight:800;color:#fff}
.lender-box{background:var(--wh);border:1.5px solid var(--bd);border-radius:var(--ra);padding:18px;margin-top:16px}
.lender-box h3{font-size:.88rem;font-weight:800;color:var(--gd);margin-bottom:4px}
.lender-box p{font-size:.75rem;color:var(--mu);margin-bottom:12px}
.lr{display:flex;align-items:center;justify-content:space-between;padding:9px 0;border-bottom:1px solid var(--bd);gap:8px}
.lr:last-of-type{border-bottom:none}
.ln{font-weight:700;font-size:.83rem;flex:1}.lrate{font-size:1rem;font-weight:800;color:var(--gd);width:65px;text-align:center}
.lbtn{background:var(--gb);color:#fff;border:none;border-radius:8px;padding:7px 12px;font-size:.75rem;font-weight:700;cursor:pointer}
.lbtn:hover{background:var(--gbh)}
.share-row{display:flex;gap:8px;margin-top:12px;flex-wrap:wrap}
.sbtn{background:var(--gp);border:1.5px solid var(--bd);color:var(--gd);padding:7px 14px;border-radius:var(--rs);font-size:.75rem;font-weight:700;cursor:pointer}
.sbtn:hover{background:var(--gm);color:#fff;border-color:var(--gm)}
.surl{font-size:.7rem;color:var(--m2);margin-top:5px;word-break:break-all}
.at{width:100%;border-collapse:collapse;font-size:.8rem;margin-top:12px}
.at th{background:var(--gd);color:#fff;padding:8px 12px;text-align:right;font-size:.68rem;text-transform:uppercase}
.at th:first-child{text-align:left}
.at td{padding:7px 12px;border-bottom:1px solid var(--bd);text-align:right}
.at td:first-child{text-align:left;font-weight:700}
.at tr:nth-child(even){background:var(--gp)}
.ab{background:none;border:1.5px solid var(--gm);color:var(--gm);padding:8px 16px;border-radius:var(--rs);font-size:.8rem;font-weight:700;cursor:pointer;margin-top:12px}
.ab:hover{background:var(--gm);color:#fff}
.aw{display:none;overflow-x:auto}.aw.op{display:block}
@media(max-width:860px){
  .aw{overflow-x:auto;overflow-y:hidden;padding-bottom:2px}
  .at{min-width:34rem;width:max-content}
  .at th,.at td{white-space:nowrap}
}
.db{background:#FFFBEC;border:1px solid #F0D060;border-radius:var(--rs);padding:11px 13px;font-size:.73rem;color:#5A4800;line-height:1.5;margin-top:14px}
.content h2{font-size:1.15rem;font-weight:800;color:var(--gd);margin:0 0 10px}
.content h3{font-size:.95rem;font-weight:700;color:var(--gd);margin:18px 0 7px}
.content p{margin-bottom:12px;font-size:.9rem;color:var(--tx);line-height:1.7}
.content ul{margin:0 0 12px 18px;font-size:.9rem;line-height:1.8}
.cl{background:var(--gp);border-left:4px solid var(--gm);padding:12px 16px;border-radius:4px;margin:14px 0;font-size:.88rem}
.embed-box{background:var(--gp);border-radius:var(--rs);border:1.5px dashed var(--bd);padding:14px;margin-top:14px}
.embed-box h4{font-size:.8rem;font-weight:800;color:var(--gd);margin-bottom:7px}
.embed-code{background:#0F2417;color:#6EE49A;padding:9px;border-radius:6px;font-family:monospace;font-size:.7rem;word-break:break-all;margin:7px 0}
.embed-copy{background:var(--gb);color:#fff;border:none;border-radius:6px;padding:5px 12px;font-size:.73rem;font-weight:700;cursor:pointer}
.fqi{border-bottom:1px solid var(--bd)}
.fqq{width:100%;text-align:left;background:none;border:none;padding:13px 4px;font-size:.9rem;font-weight:700;color:var(--gd);cursor:pointer;display:flex;justify-content:space-between;align-items:center}
.fqi2{color:var(--gm);transition:transform .25s}
.fqq[aria-expanded=true] .fqi2{transform:rotate(45deg)}
.fqa{display:none;padding:0 4px 13px;font-size:.87rem;line-height:1.7;color:var(--tx)}.fqa.op{display:block}

/* === MyMortgageOwl Mobile Patch === */
/* Remove any remaining email capture widgets */
.email-capture,.alert-box,.alert-form{display:none!important}
/* Ensure inputs/buttons meet 44px touch target */
.fld input,.fld select,.fl input,.fl select,.inp,.cb,.calc-btn{min-height:44px}
.fld input,.fld select,.fl input,.fl select{font-size:16px!important} /* prevent iOS zoom */
/* Fix total amount on tiny screens */
@media(max-width:380px){
  .total-box .tamount,.tb .ta,.res-box .rv{font-size:2rem;letter-spacing:-1px}
  .bk-val,.gv{font-size:.95rem}
  .bk-grid,.bg3,.grid3{grid-template-columns:1fr 1fr}
  .card,.cd{padding:16px}
  .page-hero{padding:24px 16px 20px}
}
/* Ensure mobile nav bottom padding works */
@media(max-width:640px){
  body{padding-bottom:72px}
  .mob-nav{display:block}
  .ad-slot-anchor{bottom:56px} /* push anchor ad above mob nav */
}
/* Make tables scrollable on mobile */
.amort-wrap,.amort-tbl,.aw,.at{max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
/* Ensure page-wrap doesn't overflow */
.page-wrap,.pw{max-width:100%;overflow-x:hidden}
/* Lender box buttons full-width on very small screens */
@media(max-width:360px){
  .lender-row,.lr{flex-wrap:wrap}
  .lender-btn,.lbtn{width:100%;margin-top:6px}
}
/* Fix nav on mobile - make sure hamburger is visible */
.nav-toggle{display:none}
@media(max-width:640px){
  .nav-toggle{display:flex!important}
  #main-nav:not(.open){display:none!important}
  .nav-links{flex-direction:column!important;gap:0!important}
  .nav-links a{display:block!important;padding:12px 4px!important;font-size:.95rem!important;border-bottom:1px solid rgba(255,255,255,.08)!important}
}
/* Cookie banner above mob nav */
#cookie-banner{bottom:56px!important}
@media(min-width:641px){#cookie-banner{bottom:0!important}}