/* Mortgage With Billy / BAM.build · Flagship edition */
html,body{overflow-x:clip}
[hidden]{display:none!important}
:root{--flag-ink:#0c2347;--flag-blue:#1768c8;--flag-muted:#536782;--flag-border:#dce5ef;--flag-paper:#f5f7fa}
body{color:var(--flag-ink)}
a,button,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}
input,select,textarea{font:inherit}
.site-header{background:rgba(255,255,255,.96);backdrop-filter:blur(14px)}
.nav-row{gap:24px;height:76px}
.brand{gap:12px}
.brand img{height:28px}
.brand-name{font-size:13px}
.desktop-nav{gap:22px}
.desktop-nav>a,.nav-dropdown>summary{white-space:nowrap;font-size:12px;font-weight:750}
.nav-cta{flex-shrink:0;gap:16px}
.nav-cta .btn,.phone-link{white-space:nowrap}
.nav-cta .btn-small{padding:12px 16px}
.nav-dropdown{position:relative}
.nav-dropdown>summary{cursor:pointer;color:#3d5375;list-style:none;padding:14px 0}
.nav-dropdown>summary::-webkit-details-marker{display:none}
.nav-dropdown>summary span{display:inline-block;margin-left:5px;transition:transform .2s}
.nav-dropdown[open]>summary span{transform:rotate(180deg)}
.nav-dropdown-menu{position:absolute;top:100%;left:-18px;z-index:55;min-width:245px;padding:9px;background:#fff;border:1px solid var(--flag-border);border-radius:16px;box-shadow:0 16px 40px #071d461a}
.nav-dropdown-menu a{display:block;padding:12px;border-radius:9px;font-size:12px;line-height:1.5}
.nav-dropdown-menu a:hover{background:#edf4fd}
.text-link{display:inline-flex;align-items:center;gap:12px;color:var(--flag-blue);font-size:13px;font-weight:800}
.text-link svg,.studio-explore svg,.hero-bottomline svg,.guide-direct svg,.next-card svg{width:19px;height:19px;fill:none;stroke:currentColor;stroke-width:1.7}
.text-link:hover svg,.next-card:hover svg{transform:translateX(4px)}
.text-link svg,.next-card svg{transition:transform .2s}
.text-button{padding:10px 0;border:0;background:transparent;color:#36577d;font-size:13px;font-weight:750;cursor:pointer}
.anchor-alias{position:absolute;top:0}
.section[id],.calculator-panel{scroll-margin-top:95px}
.js .reveal,.js .reveal.visible{opacity:1;transform:none;transition:none}
.js .reveal.visible{animation:flagship-enter .5s ease both}
@keyframes flagship-enter{from{opacity:.35;transform:translateY(9px)}to{opacity:1;transform:none}}
.flagship-home .section{padding:88px 0}
.flagship-home h2{font-family:Manrope,Inter,sans-serif;font-size:clamp(33px,4vw,48px);font-weight:800;line-height:1.13;letter-spacing:-.045em;margin:12px 0 24px}
.flagship-home .section-kicker{font-size:10px;letter-spacing:.15em;font-weight:850}
.flagship-hero{padding:68px 0 0;background:#091d3d;color:#fff;isolation:isolate}
.flagship-hero .hero-grid{grid-template-columns:minmax(0,1.18fr) minmax(0,.82fr);gap:68px;align-items:center;position:relative;z-index:2}
.hero-atmosphere{position:absolute;width:880px;height:880px;right:-260px;top:-200px;pointer-events:none;background:radial-gradient(ellipse,#255da071 0%,#17417735 38%,transparent 69%);animation:hero-breathe 18s ease-in-out infinite alternate;z-index:-1}
.hero-grid-lines{position:absolute;inset:0;pointer-events:none;opacity:.055;background-image:linear-gradient(#b9d7ff 1px,transparent 1px),linear-gradient(90deg,#b9d7ff 1px,transparent 1px);background-size:94px 94px;mask-image:linear-gradient(90deg,transparent 25%,#000)}
@keyframes hero-breathe{from{transform:translate(0,0) scale(1);opacity:.7}to{transform:translate(-60px,40px) scale(1.12);opacity:1}}
.flagship-hero .hero-eyebrow{display:flex;align-items:center;gap:10px;font-size:10px;letter-spacing:.16em;color:#b8d7ff;margin-bottom:22px}
.eyebrow-line{display:inline-block;height:1px;width:24px;background:#78b4ff}
.flagship-hero .hero-copy h1{font-size:clamp(44px,5.2vw,69px);line-height:1.06;letter-spacing:-.055em;font-weight:800;margin:0 0 25px}
.flagship-hero .hero-copy h1 .hero-blue{color:#98c7ff}
.flagship-hero .hero-lede{font-size:16px;line-height:1.75;max-width:520px;margin-bottom:27px;color:#ccd9ec}
.flagship-hero .hero-actions{gap:11px;flex-wrap:wrap}
.flagship-hero .hero-actions .btn{font-size:12px;padding:16px 20px;min-height:51px;white-space:nowrap}
.flagship-hero .btn-primary,.flagship-final .btn-primary{background:#9bcaff;color:#0b2349;border-color:#9bcaff;box-shadow:0 8px 28px #1d6ac329}
.flagship-hero .btn-primary:hover,.flagship-final .btn-primary:hover{background:#b4d8ff;transform:translateY(-2px)}
.flagship-hero .btn-ghost{border-color:#6b89ae77;color:#fff;background:#ffffff04}
.hero-reassurance{font-size:10.5px;color:#bacbe1;margin:12px 0 27px}
.hero-proof{display:flex;flex-wrap:wrap;gap:14px 24px;padding-top:23px;border-top:1px solid #ffffff20;font-size:11px;color:#c2d0e3}
.hero-proof strong{font-weight:850;color:#fff;margin-right:4px}
.hero-proof a:hover{text-decoration:underline;text-underline-offset:4px}
.flagship-hero .hero-visual{max-width:420px;width:100%;justify-self:end}
.flagship-portrait{padding:11px;border:1px solid #9cbfe638;border-radius:25px;background:#ffffff06;box-shadow:0 28px 75px #020d2040}
.portrait-topline{display:flex;align-items:center;justify-content:space-between;padding:5px 8px 14px;gap:8px;font-size:8px;letter-spacing:.13em;color:#bbd4f6;font-weight:750}
.portrait-topline svg{width:17px;height:17px;fill:none;stroke:#99c9ff;stroke-width:2}
.flagship-portrait img{display:block;aspect-ratio:1;width:100%;height:auto;border-radius:15px;object-fit:cover}
.flagship-identity{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:18px 8px 9px}
.flagship-identity>div strong{display:block;font-size:17px;font-family:Manrope,sans-serif;font-weight:800}
.flagship-identity>div span{display:block;margin-top:4px;font-size:10px;color:#b9cce5}
.flagship-identity>a{text-align:right;font-size:8px;color:#b4c9e3;line-height:1.8}
.flagship-identity>a strong{font-size:10px;color:#e0eeff}
.hero-personal-quote{font-size:13px;text-align:center;color:#d3e2f6;margin:18px 0 0;font-weight:650}
.hero-bottomline{display:flex;align-items:center;justify-content:space-between;gap:20px;border-top:1px solid #ffffff1f;margin-top:50px;padding-top:21px;padding-bottom:22px;position:relative;z-index:2;font-size:10px;color:#bfcee2}
.hero-bottomline>a{display:inline-flex;align-items:center;gap:8px;color:#d7e8ff;white-space:nowrap;font-weight:750}
.flagship-guide{position:relative;background:#fff}
.guide-grid{display:grid;grid-template-columns:minmax(0,.83fr) minmax(0,1.17fr);gap:80px;align-items:start}
.guide-copy h2 span{color:#2776cc}
.guide-copy>p{font-size:15px;color:var(--flag-muted);line-height:1.85;max-width:380px}
.guide-benefits{margin-top:30px}
.guide-benefits p{display:flex;gap:15px;align-items:center;font-size:12px;color:#365172;margin:16px 0}
.guide-benefits p>span{font-size:10px;font-weight:800;color:#4087d3}
.guide-direct{margin-top:36px;padding:23px 0 0;border-top:1px solid var(--flag-border)}
.guide-direct>strong{display:block;font-size:12px;margin-bottom:8px}
.guide-direct>a{display:inline-flex;align-items:center;gap:8px;font-size:19px;font-weight:800;letter-spacing:-.03em}
.guide-direct>div{display:flex;gap:10px;margin-top:11px;font-size:11px;color:var(--flag-blue);font-weight:650}
.game-plan-card{border:1px solid var(--flag-border);border-radius:24px;padding:30px;background:#fff;box-shadow:0 15px 50px #081e460a;min-width:0}
.wizard-progress{display:flex;align-items:center;gap:9px;margin-bottom:31px;font-size:10px;color:#6a7b91}
.wizard-progress>span{white-space:nowrap}
.wizard-progress>span b{font-weight:650}
.wizard-progress .active{color:#185ead;font-weight:850}
.wizard-progress>i{height:1px;flex:1;background:#dce5f0}
.wizard-kicker{font-size:9px;color:#2e77c5;letter-spacing:.1em;font-weight:850;margin:0 0 9px}
.game-plan-card h3{font-family:Manrope,sans-serif;font-size:27px;letter-spacing:-.04em;margin:0 0 23px;line-height:1.2}
.goal-choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:11px}
.goal-choice-grid>button{text-align:left;position:relative;border:1px solid #dbe4ee;background:#fafbfd;padding:15px 14px;border-radius:14px;cursor:pointer;min-height:117px;transition:background .2s,border-color .2s,transform .2s}
.goal-choice-grid>button:hover,.goal-choice-grid>button:focus-visible{background:#edf5ff;border-color:#5592d7;transform:translateY(-2px)}
.goal-symbol{font-size:23px;line-height:1;color:#2e79c9;display:block;margin-bottom:11px}
.goal-choice-grid strong{display:block;font-size:11.5px;color:#123459;letter-spacing:-.015em}
.goal-choice-grid small{display:block;font-size:9px;line-height:1.6;color:#5e708a;margin-top:3px}
.goal-choice-grid b{position:absolute;top:13px;right:13px;color:#809ab8;font-size:12px}
.wizard-footnote{font-size:10px;line-height:1.7;color:#61718a;margin:17px 0 0}
.wizard-description{color:#536982;font-size:13px;line-height:1.8;margin:-9px 0 21px}
.wizard-label{display:grid;gap:9px;margin:17px 0;font-size:12px;font-weight:750;color:#173b68}
.wizard-label select{width:100%;font-size:14px;color:#203d63;padding:13px 12px;border:1px solid #cddbea;background:#fff;border-radius:10px;min-height:47px}
.wizard-next{display:flex;justify-content:space-between;gap:20px;align-items:center;margin-top:23px}
.wizard-error{font-size:12px;color:#ad2936;line-height:1.6;min-height:0}
.wizard-error:empty{display:none}
.wizard-summary{padding:14px 15px;border:1px solid #d2e3f6;background:#f3f8ff;border-radius:13px;margin-bottom:24px;position:relative;padding-right:77px}
.wizard-summary>span{display:block;font-size:9px;color:#536a89;text-transform:uppercase;letter-spacing:.08em}
.wizard-summary>strong{display:block;font-size:11px;line-height:1.65;margin-top:4px}
.wizard-summary>button{position:absolute;right:13px;top:18px;font-size:10px;font-weight:750;color:#1768c8;border:0;background:transparent;padding:6px;cursor:pointer}
.game-plan-card .lead-form{padding:0;border:0;border-radius:0;box-shadow:none;background:none}
.game-plan-card .lead-form .wizard-contact-title{margin-bottom:8px;font-size:26px}
.wizard-contact-description{font-size:12px;line-height:1.7;color:#5d708b;margin-bottom:20px}
.game-plan-card .lead-form input,.game-plan-card .lead-form select,.game-plan-card .lead-form textarea{font-size:14px}
.wizard-back-row{margin:0}
.wizard-ready .wizard-fallback-fields{display:none}
.wizard-ready [data-wizard-step]{animation:step-enter .25s ease}
@keyframes step-enter{from{opacity:.5;transform:translateY(5px)}to{opacity:1;transform:none}}
.flagship-studio{background:#f1f5fa;border-top:1px solid #e4ebf4;border-bottom:1px solid #e4ebf4}
.studio-heading{display:flex;justify-content:space-between;align-items:end;gap:35px;margin-bottom:32px}
.studio-heading h2{margin-bottom:0}
.studio-heading>p{max-width:305px;font-size:13px;color:#526681;line-height:1.8;margin-bottom:4px}
.studio-shell{display:grid;grid-template-columns:1.05fr .95fr;border:1px solid #d8e3ef;border-radius:24px;background:#fff;overflow:hidden;box-shadow:0 15px 40px #0b23460a}
.studio-controls{padding:32px 36px;background:#fff}
.studio-title-row{display:flex;gap:12px;align-items:center;justify-content:space-between;margin-bottom:24px;font-size:9px;letter-spacing:.07em;font-weight:850}
.planning-tag{color:#466986;background:#edf3fa;border-radius:99px;padding:6px 9px;letter-spacing:0;font-size:8px}
.studio-number-label{display:block;color:#536984;font-size:11px;font-weight:750}
.studio-number-wrap{display:flex;align-items:center;gap:5px;font-family:Manrope,sans-serif;font-size:35px;color:#0c2c54;margin:8px 0}
.studio-number-wrap input{width:100%;min-width:0;border:0;background:transparent;font:inherit;font-weight:800;color:inherit;padding:0;letter-spacing:-.05em}
.studio-number-wrap input::-webkit-inner-spin-button{display:none}
.studio-controls input[type=range]{width:100%;accent-color:#2c7ed2;margin:14px 0 0;cursor:pointer;min-height:24px}
.range-markers{display:flex;justify-content:space-between;color:#667b93;font-size:9px}
.studio-input-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px;margin-top:25px}
.studio-input-grid label{display:grid;gap:8px;color:#4b6281;font-size:10px;font-weight:750;min-width:0}
.studio-input-grid input,.studio-input-grid select{width:100%;min-width:0;background:#fff;border:1px solid #d4dfed;border-radius:9px;color:#173b69;padding:12px 10px;font-size:14px;min-height:44px}
.studio-assumption-note{font-size:9px;color:#66768b;line-height:1.6;margin:12px 0 22px}
.studio-details{border-top:1px solid #e1e8f2;padding-top:17px}
.studio-details summary{display:flex;justify-content:space-between;gap:10px;cursor:pointer;list-style:none;font-size:11px;font-weight:750;color:#456487}
.studio-details summary::-webkit-details-marker{display:none}
.studio-extra{grid-template-columns:1fr 1fr;margin-top:18px}
.studio-details>p{font-size:9px;color:#69798e;line-height:1.7}
.studio-calculate{font-size:11px;margin-top:18px}
.studio-output{padding:34px 36px;background:#0c254d;color:#fff;display:flex;flex-direction:column;justify-content:center}
.studio-output-kicker{color:#acc9ec;font-size:9px;font-weight:750;letter-spacing:.1em}
.studio-payment{display:flex;align-items:baseline;gap:8px;margin:11px 0 23px}
.studio-payment output{font-family:Manrope,sans-serif;font-size:clamp(37px,4vw,53px);letter-spacing:-.05em;line-height:1;font-weight:800}
.studio-payment>span{font-size:11px;color:#b1c8e4}
.studio-output .btn-primary{background:#a1ccff;color:#0d2b52;border-color:#a1ccff;font-size:12px;padding:15px 12px}
.studio-facts{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:20px 0 24px;border-top:1px solid #ffffff24;padding-top:20px}
.studio-facts span,.studio-facts strong{display:block}
.studio-facts span{font-size:9px;color:#bdd0e9}
.studio-facts strong{font-family:Manrope,sans-serif;font-size:17px;font-weight:800;margin-top:6px;letter-spacing:-.025em}
.studio-disclaimer{font-size:9px;color:#b7cae4;line-height:1.8;margin:14px 0 0}
.studio-explore{display:flex;flex-wrap:wrap;gap:20px 30px;align-items:center;margin-top:24px;font-size:11px}
.studio-explore>span{color:#586f8d}
.studio-explore>a{display:inline-flex;align-items:center;gap:8px;color:#1a61ae;font-weight:750}
.noscript-studio{font-size:13px;margin-top:20px}
.visual-summary{border:1px solid #dce6f2;border-radius:15px;padding:18px 16px;margin:0 0 20px;background:#fff}
.visual-summary h4{margin:0 0 14px;font-size:11px;font-weight:850;color:#244a78}
.payment-visual{display:flex;align-items:center;gap:21px;min-width:0}
.payment-ring{width:112px;height:112px;flex-shrink:0;transform:rotate(-90deg)}
.payment-ring circle{transition:stroke-dasharray .4s,stroke-dashoffset .4s}
.payment-legend{display:grid;gap:10px;flex:1;min-width:0}
.payment-legend>div{display:flex;align-items:center;justify-content:space-between;gap:12px;font-size:10px;line-height:1.5}
.payment-legend span{display:flex;align-items:center;gap:7px}
.payment-legend i,.chart-legend i{width:7px;height:7px;background:var(--series-color);border-radius:50%;display:inline-block;flex-shrink:0}
.payment-legend strong{white-space:nowrap}
.studio-breakdown .payment-legend{gap:12px}
.studio-breakdown .payment-legend>div{font-size:10px;color:#d9e5f6}
.studio-breakdown .payment-ring{width:108px;height:108px}
.balance-chart{display:block;width:100%;height:auto;overflow:visible}
.balance-chart text{font-family:Inter,sans-serif;font-size:10px;fill:#62748d}
.balance-chart .chart-grid{stroke:#e4ebf3;stroke-width:1}
.balance-chart .chart-series{fill:none;stroke:var(--series-color);stroke-width:2.5;stroke-linejoin:round;stroke-linecap:round}
.chart-legend{display:flex;flex-wrap:wrap;gap:8px 14px;margin-top:10px;font-size:9px;color:#4e6482}
.chart-legend span{display:inline-flex;align-items:center;gap:5px}
.chart-caption{font-size:9px;color:#61768e;line-height:1.7;margin:13px 0 0}
.compare-bar-row{margin:13px 0}
.compare-bar-label{display:flex;justify-content:space-between;gap:14px;font-size:10px;margin-bottom:6px;color:#395676}
.compare-bar-track{height:11px;background:#ecf1f7;border-radius:4px;overflow:hidden}
.compare-bar-track>span{display:block;height:100%;background:var(--series-color);border-radius:4px;width:var(--bar-width);animation:bar-enter .4s ease}
@keyframes bar-enter{from{transform:scaleX(.05);transform-origin:left}to{transform:scaleX(1);transform-origin:left}}
.proof-heading{display:flex;justify-content:space-between;gap:30px;align-items:end;margin-bottom:32px}
.proof-heading h2{margin-bottom:0}
.story-feature{display:grid;grid-template-columns:1fr 1fr;overflow:hidden;border:1px solid var(--flag-border);border-radius:22px}
.story-context{padding:35px;background:#f6f8fb}
.story-type{font-size:9px;font-weight:850;letter-spacing:.1em;color:#337ac4}
.story-context h3{font-family:Manrope,sans-serif;font-size:27px;line-height:1.3;letter-spacing:-.04em;margin:13px 0 24px}
.story-detail{margin:17px 0}
.story-detail>span{font-size:10px;font-weight:800;color:#254d7d}
.story-detail>p{font-size:12px;line-height:1.8;color:#536782;margin:5px 0}
.story-context>.text-link{margin-top:7px}
.story-quote{padding:36px;position:relative;display:flex;flex-direction:column;justify-content:center;background:#fff}
.story-quote-mark{position:absolute;top:21px;right:28px;font-family:Georgia,serif;font-size:100px;color:#edf3fb;line-height:1}
.flagship-proof .stars{color:#1c72cc;font-size:13px;letter-spacing:.13em}
.story-quote blockquote{position:relative;font-family:Manrope,sans-serif;font-size:20px;line-height:1.8;letter-spacing:-.02em;font-weight:650;margin:22px 0 26px}
.story-author{display:flex;gap:12px;align-items:center}
.review-avatar{display:grid;place-items:center;width:36px;height:36px;flex-shrink:0;border-radius:50%;background:#edf4fd;font-size:10px;font-weight:850;color:#2c6fb7}
.story-author strong{display:block;font-size:12px}
.story-author div>span{display:block;font-size:9px;color:#62748c;margin-top:3px}
.proof-small-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:24px}
.proof-small{padding:24px 28px;border:1px solid #e2e8f1;border-radius:15px}
.proof-small blockquote{font-size:13px;line-height:1.8;margin:13px 0;color:#334d70}
.proof-small>span{font-size:9px;color:#61758e}
.proof-disclaimer{font-size:9px;line-height:1.8;color:#6b7c91;margin:21px 0 0}
.flagship-advantage{background:#f7f9fc;border-top:1px solid #e7edf5}
.advantage-editorial{display:grid;grid-template-columns:.95fr 1.05fr;gap:85px;align-items:start}
.advantage-editorial>div>p{font-size:14px;line-height:1.9;color:#526984;margin:0 0 26px;max-width:370px}
.advantage-editorial-list>article{display:flex;gap:20px;border-bottom:1px solid #dce5f0;padding:23px 0}
.advantage-editorial-list>article:first-child{padding-top:6px}
.advantage-editorial-list>article>span{padding-top:5px;font-size:10px;color:#3a80c9;font-weight:800}
.advantage-editorial-list h3{font-family:Manrope,sans-serif;font-size:20px;font-weight:800;letter-spacing:-.025em;margin:0 0 9px}
.advantage-editorial-list p{font-size:12px;color:#5b6f8a;line-height:1.8;margin:0}
.flagship-home .flagship-second{padding:64px 0;border-top:1px solid #e5ebf3;border-bottom:1px solid #e5ebf3}
.second-opinion-strip{display:flex;justify-content:space-between;gap:30px;align-items:center}
.second-opinion-strip h2{font-size:36px;margin:10px 0 15px}
.second-opinion-strip p{font-size:13px;color:#596e88;margin:0}
.second-opinion-strip>.btn{flex-shrink:0}
.next-heading{margin-bottom:29px}
.next-heading h2{font-size:36px;margin-bottom:0}
.next-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:21px}
.next-card{display:flex;flex-direction:column;padding:28px;border:1px solid #dce5ef;border-radius:18px;transition:transform .2s,background .2s;min-width:0}
.next-card:hover{background:#f2f7fd;transform:translateY(-3px)}
.next-card>span{font-size:9px;font-weight:850;letter-spacing:.08em;color:#4286cc}
.next-card h3{font-family:Manrope,sans-serif;font-size:23px;font-weight:800;line-height:1.3;letter-spacing:-.035em;margin:18px 0 10px}
.next-card p{font-size:12px;line-height:1.8;color:#5f728b;margin:0 0 24px}
.next-card b{display:inline-flex;align-items:center;gap:10px;font-size:11px;font-weight:800;color:#1f69b6;margin-top:auto}
.flagship-home .section-soft{background:#f5f7fb}
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