*,*::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;--ol:#FFF3EC;--wh:#FFFFFF;--ca:#FFFFFF;--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;min-height:100vh}
a{color:var(--gm);text-decoration:none}a:hover{text-decoration:underline}
.snb{background:var(--gd);padding:0 20px;position:sticky;top:0;z-index:200;box-shadow:0 2px 12px rgba(0,0,0,.25)}
.ni{max-width:1080px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:58px}
.lo{font-size:1.3rem;font-weight:800;color:#fff;letter-spacing:-.5px}.lo span{color:#6EE49A}
.nl{display:flex;gap:20px;list-style:none}
.nl a{color:rgba(255,255,255,.82);font-size:.88rem;font-weight:500;padding:6px 2px;border-bottom:2px solid transparent;transition:border-color .2s,color .2s}
.nl a:hover,.nl a.ac{color:#fff;border-bottom-color:#6EE49A;text-decoration:none}
.bc{background:var(--wh);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;color:var(--m2)}
.ph{background:linear-gradient(160deg,var(--gd) 0%,var(--gm) 100%);padding:40px 20px 32px;text-align:center}
.ph h1{font-size:clamp(1.15rem,3.8vw,2rem);font-weight:800;color:#fff;line-height:1.2;margin-bottom:10px}
.ph p{font-size:.95rem;color:rgba(255,255,255,.82);max-width:580px;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:.75rem;font-weight:700;padding:3px 12px;margin-bottom:12px;letter-spacing:.5px}
.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}.sb{order:-1}}
.cd{background:var(--ca);border-radius:var(--ra);box-shadow:var(--sh);padding:28px;margin-bottom:20px}
.cd:last-child{margin-bottom:0}
.ct{font-size:1rem;font-weight:800;color:var(--gd);margin-bottom:20px;padding-bottom:12px;border-bottom:2px solid var(--gl)}
.fg{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:520px){.fg{grid-template-columns:1fr}}
.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)}
.fl .hi{font-size:.72rem;color:var(--m2);margin-top:2px}
.iw{position:relative}
.iw .pr,.iw .su{position:absolute;top:50%;transform:translateY(-50%);color:var(--m2);font-size:.88rem;pointer-events:none}
.iw .pr{left:12px}.iw .su{right:12px}
.fl input,.fl select{width:100%;padding:11px 12px;border:1.5px solid var(--bd);border-radius:var(--rs);font-size:.97rem;color:var(--tx);background:var(--gp);-webkit-appearance:none;transition:border-color .2s,box-shadow .2s}
input[type=number]::-webkit-inner-spin-button,input[type=number]::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}
input[type=number]{-moz-appearance:textfield;appearance:textfield}
.fl input:focus,.fl select:focus{outline:none;border-color:var(--gm);box-shadow:0 0 0 3px rgba(45,106,79,.12)}
.fl input.pp{padding-left:26px}.fl input.sp{padding-right:28px}
.cb{width:100%;margin-top:18px;padding:15px;background:var(--gb);color:#fff;border:none;border-radius:var(--rs);font-size:1rem;font-weight:800;cursor:pointer;transition:background .2s,transform .1s,box-shadow .2s}
.cb:hover{background:var(--gbh);box-shadow:0 4px 16px rgba(27,94,32,.3)}.cb:active{transform:scale(.99)}
.rs{display:none;margin-top:24px;border-top:2px solid var(--gl);padding-top:22px}.rs.sh{display:block}
.tb{background:linear-gradient(135deg,var(--gd),var(--gm));border-radius:var(--ra);padding:24px 20px;text-align:center;margin-bottom:18px}
.tb .tl{font-size:.78rem;color:rgba(255,255,255,.7);font-weight:600;letter-spacing:.4px;text-transform:uppercase;margin-bottom:6px}
.tb .ta{font-size:3rem;font-weight:800;color:#fff;letter-spacing:-2px;line-height:1}
.tb .ts{font-size:.75rem;color:rgba(255,255,255,.6);margin-top:8px}
.bg3{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:18px}
@media(max-width:480px){.bg3{grid-template-columns:1fr 1fr}}
.bi{background:var(--gp);border-radius:var(--rs);padding:12px 14px;border-left:3px solid var(--gm)}
.bi.or{border-left-color:var(--or)}.bi.dk{border-left-color:var(--gd)}
.bl{font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--m2);margin-bottom:3px}
.bv{font-size:1.1rem;font-weight:800;color:var(--gd)}
.db{background:#FFFBEC;border:1px solid #F0D060;border-radius:var(--rs);padding:12px 14px;font-size:.75rem;color:#5A4800;line-height:1.5;margin-top:16px}
.ad{display:block;background:transparent;min-height:0}
.co h2{font-size:1.2rem;font-weight:800;color:var(--gd);margin:0 0 12px}
.co h3{font-size:1rem;font-weight:700;color:var(--gd);margin:20px 0 8px}
.co p{margin-bottom:13px;font-size:.93rem;color:var(--tx);line-height:1.7}
.co ul,.co ol{margin:0 0 13px 20px;font-size:.93rem;line-height:1.8}.co li{margin-bottom:4px}
.fm{background:var(--gp);border-left:4px solid var(--gm);padding:12px 16px;border-radius:4px;font-family:'Courier New',monospace;font-size:.85rem;margin:14px 0;color:var(--gd)}
.cl{background:var(--gp);border-left:4px solid var(--gm);padding:14px 18px;border-radius:4px;margin:16px 0;font-size:.9rem}
.cl.or{border-left-color:var(--or);background:var(--ol)}
.fqi{border-bottom:1px solid var(--bd)}
.fqq{width:100%;text-align:left;background:none;border:none;padding:14px 4px;font-size:.92rem;font-weight:700;color:var(--gd);cursor:pointer;display:flex;justify-content:space-between;align-items:center}
.fqi2{font-size:1.1rem;color:var(--gm);transition:transform .25s;flex-shrink:0}
.fqq[aria-expanded=true] .fqi2{transform:rotate(45deg)}
.fqa{display:none;padding:0 4px 14px;font-size:.88rem;line-height:1.7;color:var(--tx)}.fqa.op{display:block}
.sb{display:flex;flex-direction:column;gap:16px}
.sc{background:var(--ca);border-radius:var(--ra);box-shadow:var(--sh);padding:20px}
.sc h3{font-size:.88rem;font-weight:800;text-transform:uppercase;letter-spacing:.5px;color:var(--gd);margin-bottom:12px}
.sl{list-style:none;display:flex;flex-direction:column;gap:5px}
.sl li a{display:flex;align-items:center;justify-content:space-between;padding:8px 10px;border-radius:8px;font-size:.82rem;color:var(--tx);border:1px solid var(--bd);transition:all .15s}
.sl li a:hover{background:var(--gp);border-color:var(--gm);text-decoration:none}
.sl li a .ar{color:var(--gm);font-size:.7rem}
.ql{list-style:none;display:flex;flex-direction:column;gap:5px}.ql li a{font-size:.82rem;display:block;padding:4px 0;color:var(--gm)}
footer{background:var(--gd);color:rgba(255,255,255,.65);padding:40px 20px 24px;font-size:.8rem}
.fg2{max-width:1080px;margin:0 auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:24px;margin-bottom:28px}
.fg2 h4{color:#fff;font-size:.82rem;margin-bottom:10px;text-transform:uppercase;letter-spacing:.5px}
.fg2 ul{list-style:none;display:flex;flex-direction:column;gap:6px}
.fg2 a{color:rgba(255,255,255,.6)}.fg2 a:hover{color:#6EE49A;text-decoration:none}
.fd{max-width:1080px;margin:0 auto 16px;color:rgba(255,255,255,.4);font-size:.72rem;line-height:1.6}
.fb{max-width:1080px;margin:0 auto;border-top:1px solid rgba(255,255,255,.1);padding-top:14px;text-align:center;color:rgba(255,255,255,.35)}
.at{width:100%;border-collapse:collapse;font-size:.8rem;margin-top:14px}
.at th{background:var(--gd);color:#fff;padding:8px 12px;text-align:right;font-size:.7rem;text-transform:uppercase;letter-spacing:.4px}
.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:9px 18px;border-radius:var(--rs);font-size:.82rem;font-weight:700;cursor:pointer;transition:all .2s}
.ab:hover{background:var(--gm);color:#fff}
.aw{display:none;margin-top:14px;overflow-x:auto}.aw.op{display:block}
/* lender CTA */
.lender-box{background:var(--wh);border:1.5px solid var(--bd);border-radius:var(--ra);padding:20px;margin-top:18px}
.lender-box h3{font-size:.9rem;font-weight:800;color:var(--gd);margin-bottom:4px}
.lender-box p{font-size:.78rem;color:var(--mu);margin-bottom:14px}
.lender-row{display:flex;align-items:center;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--bd);gap:10px}
.lender-row:last-of-type{border-bottom:none}
.lender-name{font-weight:700;font-size:.85rem;flex:1}
.lender-rate{font-size:1rem;font-weight:800;color:var(--gd);width:70px;text-align:center}
.lender-btn{background:var(--gb);color:#fff;border:none;border-radius:8px;padding:8px 14px;font-size:.78rem;font-weight:700;cursor:pointer;white-space:nowrap}
.lender-btn:hover{background:var(--gbh)}
.lender-disc{font-size:.68rem;color:var(--m2);margin-top:10px}
/* rate widget */
.rate-widget{background:linear-gradient(135deg,var(--gd),var(--gm));border-radius:var(--ra);padding:16px 20px;margin-bottom:16px;color:#fff}
.rate-widget h3{font-size:.78rem;text-transform:uppercase;letter-spacing:.5px;color:#6EE49A;margin-bottom:10px}
.rate-row{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
.rate-label{font-size:.78rem;color:rgba(255,255,255,.75)}
.rate-val{font-size:1.3rem;font-weight:800;color:#fff}
.rate-as-of{font-size:.68rem;color:rgba(255,255,255,.5);margin-top:8px}
/* print btn */
.print-btn{background:none;border:1.5px solid var(--bd);color:var(--mu);padding:8px 16px;border-radius:var(--rs);font-size:.78rem;font-weight:700;cursor:pointer;display:inline-flex;align-items:center;gap:6px;transition:all .2s}
.print-btn:hover{border-color:var(--gm);color:var(--gm)}
/* share */
.share-row{display:flex;gap:8px;margin-top:12px;flex-wrap:wrap}
.share-btn{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;transition:all .2s}
.share-btn:hover{background:var(--gm);color:#fff;border-color:var(--gm)}
.share-url{font-size:.72rem;color:var(--m2);margin-top:6px;word-break:break-all}
/* compare mode */
.compare-wrap{display:none}.compare-wrap.sh{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:18px}
@media(max-width:600px){.compare-wrap.sh{grid-template-columns:1fr}}
.compare-panel{background:var(--gp);border-radius:var(--rs);padding:14px;border:2px solid var(--bd)}
.compare-panel h4{font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.5px;color:var(--gd);margin-bottom:10px}
.compare-toggle{background:none;border:1.5px solid var(--gm);color:var(--gm);padding:9px 18px;border-radius:var(--rs);font-size:.82rem;font-weight:700;cursor:pointer;margin-top:10px;transition:all .2s}
.compare-toggle:hover{background:var(--gm);color:#fff}
/* embed */
.embed-box{background:var(--gp);border-radius:var(--rs);border:1.5px dashed var(--bd);padding:16px;margin-top:18px}
.embed-box h4{font-size:.82rem;font-weight:800;color:var(--gd);margin-bottom:8px}
.embed-code{background:var(--tx);color:#6EE49A;padding:10px;border-radius:6px;font-family:'Courier New',monospace;font-size:.72rem;word-break:break-all;margin:8px 0}
.embed-copy{background:var(--gb);color:#fff;border:none;border-radius:6px;padding:6px 14px;font-size:.75rem;font-weight:700;cursor:pointer}
/* rate alert */
.alert-box{background:var(--gp);border:1.5px solid var(--bd);border-radius:var(--ra);padding:20px;margin-top:0}
.alert-box h3{font-size:.9rem;font-weight:800;color:var(--gd);margin-bottom:4px}
.alert-box p{font-size:.78rem;color:var(--mu);margin-bottom:12px}
.alert-form{display:flex;gap:8px;flex-wrap:wrap}
.alert-form input{flex:1;min-width:160px;padding:10px 12px;border:1.5px solid var(--bd);border-radius:var(--rs);font-size:.88rem;background:var(--wh)}
.alert-form input:focus{outline:none;border-color:var(--gm)}
.alert-form button{padding:10px 18px;background:var(--gb);color:#fff;border:none;border-radius:var(--rs);font-size:.85rem;font-weight:700;cursor:pointer;white-space:nowrap}
.alert-form button:hover{background:var(--gbh)}
.alert-success{display:none;font-size:.82rem;color:#1A6B34;font-weight:700;margin-top:8px}

canvas{max-width:100%}
.rate-table{width:100%;border-collapse:collapse;font-size:.85rem}
.rate-table th{background:var(--gd);color:#fff;padding:10px 14px;text-align:left}
.rate-table td{padding:10px 14px;border-bottom:1px solid var(--bd)}
.rate-table tr:nth-child(even){background:var(--gp)}
.rate-table .rate-cell{font-weight:800;font-size:1rem;color:var(--gd)}


/* === 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}}