/* Mortgage With Billy · Clear, consistent presentation */
:root{--polish-accent:#659aea;--polish-line:#e2e8f1;--polish-muted:#536b87}
.site-header{background:rgba(255,255,255,.98);border-bottom-color:#e4eaf2;box-shadow:0 2px 16px #071d4603}
.nav-row{height:76px;gap:22px}
.brand img{width:158px;height:auto;aspect-ratio:189/30}
.brand-name{font-size:15px;letter-spacing:-.02em}
.desktop-nav{gap:20px}
.desktop-nav>a,.nav-dropdown>summary{font-size:14px;font-weight:700;letter-spacing:-.01em}
.nav-dropdown-menu{min-width:265px;padding:8px;border-color:#e3e9f2;box-shadow:0 20px 55px #071d4614}
.nav-dropdown-menu a{padding:12px 13px;font-size:14px}
.nav-dropdown-menu a small{display:block;margin-top:3px;font-size:12px;font-weight:400;color:#60738b}
.nav-dropdown-menu a.active{background:#eef5ff;color:#1765bc}
.nav-dropdown>summary span svg{width:14px;height:14px;fill:none;stroke:currentColor;stroke-width:1.8;vertical-align:-2px}
.nav-cta .btn{box-shadow:none}
.nav-cta .btn:hover{box-shadow:0 5px 16px #367fd51b}
.menu-toggle{position:relative;border-color:#dce5ef;border-radius:11px;transition:background .2s}
.menu-toggle[aria-expanded=true]{background:#edf4fd}
.menu-toggle span{transition:transform .2s,opacity .2s}
.menu-toggle[aria-expanded=true] span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.menu-toggle[aria-expanded=true] span:nth-child(2){opacity:0}
.menu-toggle[aria-expanded=true] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}
.mobile-nav{max-height:calc(100dvh - 76px);overflow-y:auto;overscroll-behavior:contain}
.mobile-nav-heading{font-size:10px;font-weight:750;letter-spacing:.13em;color:#72849c;margin:17px 0 12px}
.mobile-loan-dropdown{border:1px solid #e0e7f0;border-radius:12px;background:#f8fafc;margin:0 0 9px}
.mobile-loan-dropdown summary{display:flex;justify-content:space-between;align-items:center;gap:12px;list-style:none;padding:15px;font-weight:750;font-size:16px;cursor:pointer;color:#18385f}
.mobile-loan-dropdown summary::-webkit-details-marker{display:none}
.mobile-loan-dropdown summary svg{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:1.8;transition:transform .2s}
.mobile-loan-dropdown[open] summary svg{transform:rotate(180deg)}
.mobile-loan-links{padding:0 8px 9px;border-top:1px solid #e2e9f2}
.mobile-nav .mobile-loan-links a{padding:12px 9px;border-bottom:0;border-radius:8px;font-size:15px;line-height:1.6}
.mobile-loan-links a small{display:block;font-size:12px;font-weight:400;color:#63768f;margin-top:2px}
.mobile-nav a.active,.mobile-nav a[aria-current=page]{background:#edf4ff;color:#1b64af}
.mobile-nav>.mobile-nav-link{font-size:16px;padding:13px 3px;border-bottom:1px solid #edf1f7;display:flex;align-items:center;justify-content:space-between}
.mobile-nav-link span{font-size:16px;color:#889aaf;font-weight:400}
.mobile-nav>.mobile-book,.mobile-nav>.mobile-apply{font-size:13px;text-align:center;min-height:46px;padding:13px 14px;border-radius:10px;margin-top:15px;background:#f1f5fa;border:1px solid #d9e4f1;color:#163b6c}
.mobile-nav>.mobile-apply{background:#659aea;color:#071d46;border-color:#659aea;margin-top:8px}
.mobile-nav-footnote{font-size:10px;color:#61758e;text-align:center;margin:13px 0 4px}
.footer-logo{width:180px;height:auto;aspect-ratio:189/30}
.footer .footer-logo{width:189px;height:48px;aspect-ratio:auto;object-fit:contain;background:#fff;padding:9px 12px;border-radius:7px}
.footer .site-credit,.landing-footer .site-credit{color:#adc4e1;border-top-color:#28436a}
.footer .site-credit a,.landing-footer .site-credit a{color:#bed3f0}
.footer .site-credit a strong,.landing-footer .site-credit a strong{color:#fff}
.flagship-home .hero-visual{padding-bottom:0}
.flagship-home .hero-proof{font-size:12px}
.flagship-home .hero-reassurance{font-size:12px}
.flagship-home .hero-bottomline{font-size:11px}
.flagship-home .hero-actions .btn{font-size:13px}
.flagship-home .hero-bottomline>a{font-size:11px}
.flagship-home .portrait-topline{font-size:9px}
.flagship-home .flagship-identity>div span{font-size:11px}
.flagship-home .flagship-identity>a,.flagship-home .flagship-identity>a strong{font-size:10px}
.flagship-home .guide-copy>p{font-size:15px}
.flagship-home .guide-benefits p{font-size:13px}
.flagship-home .guide-direct>strong,.flagship-home .guide-direct>div{font-size:12px}
.goal-symbol svg{display:block;width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.goal-choice-grid>button{background:#fbfcfe;min-height:130px;border-color:#e0e7f0}
.goal-choice-grid strong{font-size:13px}
.goal-choice-grid small{font-size:11px;line-height:1.6}
.wizard-progress{font-size:11px}
.wizard-kicker{font-size:10px}
.wizard-footnote,.wizard-contact-description{font-size:12px;line-height:1.7}
.wizard-summary>strong{font-size:12px}
.studio-title-row{font-size:11px}
.planning-tag{font-size:10px}
.studio-input-grid label,.studio-number-label{font-size:12px;font-weight:650}
.studio-assumption-note,.studio-details>p,.studio-disclaimer{font-size:11px;line-height:1.65}
.studio-details summary{font-size:12px}
.studio-output-kicker{font-size:10px}
.studio-breakdown .payment-legend>div{font-size:12px}
.studio-facts span{font-size:11px}
.visual-summary h4{font-size:13px}
.payment-legend>div,.compare-bar-label{font-size:12px}
.chart-legend,.chart-caption{font-size:11px}
.story-context,.story-quote{padding:36px}
.story-type,.story-detail>span{font-size:11px}
.story-detail>p,.proof-small blockquote{font-size:14px}
.story-author strong{font-size:13px}
.story-author div>span,.proof-small>span,.proof-disclaimer{font-size:11px;line-height:1.65}
.advantage-editorial-list p,.second-opinion-strip p,.next-card p{font-size:14px}
.next-card>span,.next-card b{font-size:12px}
.next-card{background:#fff;box-shadow:none;border-color:#e0e7f0}
.btn-primary{box-shadow:0 5px 18px #367fd514}
.btn-primary:hover{box-shadow:0 8px 22px #367fd520}
.flagship-home .privacy-banner p{font-size:11px}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #659aea;outline-offset:4px}
input:focus-visible,select:focus-visible,textarea:focus-visible{outline:2px solid #659aea;outline-offset:2px}
.form-row>label,.calculator-form>label{min-width:0}
@media(min-width:821px) and (max-width:1180px){.desktop-nav{gap:17px}.nav-row{gap:18px}.brand img{width:145px}.brand-name{font-size:12px}.phone-link{display:none}}
@media(max-width:820px){.nav-row{height:66px}.brand img{width:146px}.brand-name{font-size:12px}.mobile-nav{max-height:calc(100dvh - 66px)}.mobile-nav.open{display:block;animation:mobile-menu-enter .18s ease}.nav-cta .btn-small{font-size:12px}.flagship-home .hero-proof{font-size:11px}.flagship-home .hero-bottomline{font-size:10px}.goal-choice-grid>button{min-height:133px}.studio-breakdown .payment-legend>div{font-size:11px}.studio-title-row{flex-wrap:wrap}.story-context,.story-quote{padding:29px}}
@media(max-width:620px){.brand{gap:9px}.brand img{width:134px}.brand-name{font-size:11px}.brand-sep{height:23px}.nav-row{gap:10px}.flagship-home .section{padding:52px 0}.flagship-home .hero-reassurance{font-size:11px}.flagship-home .hero-proof{font-size:10px;gap:10px}.flagship-home .hero-actions .btn{font-size:13px}.flagship-home .portrait-topline{font-size:7px}.flagship-home .flagship-identity>div span{font-size:9px}.flagship-home .flagship-identity>a,.flagship-home .flagship-identity>a strong{font-size:9px}.goal-choice-grid strong{font-size:12px}.goal-choice-grid small{font-size:10px}.goal-choice-grid>button{padding:14px 12px;min-height:127px}.wizard-progress{font-size:10px}.studio-title-row{font-size:10px}.studio-input-grid label{font-size:11px}.studio-extra{gap:15px 12px}.studio-breakdown .payment-ring{width:80px;height:80px}.studio-breakdown .payment-visual{gap:14px}.studio-breakdown .payment-legend>div{font-size:11px;gap:9px}.studio-breakdown .payment-legend span{gap:5px}.studio-disclaimer{font-size:10px}.story-context,.story-quote{padding:27px 23px}.story-detail>p,.proof-small blockquote{font-size:13px}.advantage-editorial-list p,.second-opinion-strip p,.next-card p{font-size:13px}.payment-legend>div{font-size:11px}.mobile-action-bar a{font-size:12px}.privacy-banner p{font-size:11px}.privacy-banner .btn{font-size:11px}.site-credit{font-size:10px}.site-credit>span{max-width:155px}}
@media(max-width:380px){.brand-name{display:none}.brand-sep{display:none}.brand img{width:142px}.studio-breakdown .payment-ring{display:none}.studio-breakdown .payment-legend>div{font-size:12px}.studio-breakdown .payment-visual{display:block}.wizard-progress{font-size:9px}.goal-choice-grid strong{font-size:11px}.goal-choice-grid small{font-size:10px}.site-credit{font-size:9px}}
@media(max-width:980px){.nav-row{height:66px}.desktop-nav,.nav-cta>.phone-link,.nav-cta>.btn{display:none}.menu-toggle{display:block}.mobile-nav.open{display:block;animation:mobile-menu-enter .18s ease}.mobile-nav{max-height:calc(100dvh - 66px)}}
@media(min-width:381px) and (max-width:820px){.brand-name,.brand-sep{display:block}}
@media(max-width:820px){.mobile-nav{max-height:calc(100dvh - 152px - env(safe-area-inset-bottom,0px))}.mobile-action-bar{bottom:calc(9px + env(safe-area-inset-bottom,0px))}}
@media(max-width:620px){.calculator-result .payment-ring{display:none}.calculator-result .payment-visual{display:block}.calculator-result .payment-legend>div{align-items:flex-start}.calculator-result .payment-legend span{min-width:0}.heloc-projection-table,.refinance-projection-table{font-size:12px}.heloc-projection-table td::before,.refinance-projection-table td::before{font-size:11px}.calculator-result{padding:18px 16px}.calculator-result .visual-summary{padding:14px 11px}.calculator-result .result-row{gap:10px}.calculator-result .result-row>span{min-width:0}}
@media(min-width:981px) and (max-width:1180px){.brand-name{font-size:14px}.desktop-nav{gap:18px}}
@media(min-width:381px) and (max-width:980px){.brand-name{font-size:14px}.brand-sep{height:24px}}
@keyframes mobile-menu-enter{from{opacity:.5;transform:translateY(-4px)}to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){.mobile-nav.open{animation:none}.menu-toggle span,.mobile-loan-dropdown summary svg{transition:none}}
@media print{.calculator-print-result .visual-summary h4{font-size:10px}.calculator-print-result .payment-legend>div,.calculator-print-result .compare-bar-label{font-size:8px}.calculator-print-result .chart-legend,.calculator-print-result .chart-caption{font-size:8px}}

/* Make the explanations as easy to read as the fields and next steps. */
@media screen{
  .lead-form .form-note,.lead-form .confirmation-note{font-size:12px;line-height:1.65}
  .lead-form .consent-check span{font-size:12px;line-height:1.65}
  .application-choice small,.roadmap small{font-size:12px;line-height:1.6}
  .footer .footer-links a{font-size:12px;padding-block:3px}
  .flagship-home .goal-choice-grid small{font-size:12px;line-height:1.6}
  .flagship-home .goal-choice-grid strong{font-size:13px;line-height:1.45}
  .flagship-home .studio-assumption-note,.flagship-home .studio-disclaimer{font-size:12px;line-height:1.65}
  .second-opinion-page .opinion-comparison p{font-size:13px;line-height:1.7}
}
@media screen and (max-width:620px){
  .flagship-home .goal-choice-grid strong{font-size:12px}
  .flagship-home .flagship-identity>div span,.flagship-home .flagship-identity>a,.flagship-home .flagship-identity>a strong{font-size:11px}
  .flagship-home .flagship-identity{flex-wrap:wrap}
  .flagship-home .flagship-identity>a{text-align:left}
  .second-opinion-page .opinion-small{font-size:12px!important}
}
@media screen and (max-width:820px){
  .flagship-home .guide-copy h2>span{display:block;white-space:nowrap}
}