:root{--ink:#101921;--muted:#5b646e;--blue:#4f80ed;--blue-dark:#3169df;--paper:#f6f7f9;--line:#d9dee5;--navy:#172940;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--white);color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.6}img{display:block;max-width:100%}a{color:inherit;text-decoration:none}button{font:inherit}a:focus-visible,button:focus-visible{outline:3px solid var(--blue);outline-offset:4px}.wrap{width:min(100% - 80px,1260px);margin-inline:auto}.skip-link{position:absolute;left:16px;top:-60px;background:#fff;padding:12px 18px;z-index:100}.skip-link:focus{top:12px}.site-header{position:relative;z-index:10;background:var(--paper);border-bottom:1px solid #e5e8ed}.header-inner{height:88px;display:flex;align-items:center;justify-content:space-between;gap:25px}.brand{display:flex;align-items:center;gap:10px;color:var(--navy);font-size:12px;font-weight:800;line-height:1.08;letter-spacing:.13em;min-width:190px}.brand img{width:43px;height:43px;object-fit:contain}.desktop-nav{display:flex;gap:32px;align-items:center}.desktop-nav a{font-size:14px;font-weight:600;transition:color .2s}.desktop-nav a:hover,.footer-links a:hover{color:var(--blue)}.header-cta{background:var(--blue);color:#fff;padding:12px 19px;border-radius:100px;white-space:nowrap;font-size:14px;font-weight:700;transition:background .2s,transform .2s}.header-cta:hover,.button-primary:hover{background:var(--blue-dark);transform:translateY(-2px)}.header-cta span,.button span{margin-left:15px}.menu-button,.mobile-nav{display:none}.hero{background:var(--paper);padding:70px 0 74px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:6.4%;align-items:center}.hero-copy{padding:12px 0}.eyebrow{display:flex;align-items:center;gap:13px;margin:0 0 25px;text-transform:uppercase;letter-spacing:.15em;font-size:12px;font-weight:800;color:#3c5c95}.eyebrow-rule{width:25px;height:2px;background:var(--blue);display:inline-block;flex:0 0 auto}.hero h1,h2,.intent-title,.product-row h3,.video-card h3,.steps h3{margin:0}.hero h1,.section-heading h2,.group-intro h2,.about-band h2,.last-cta h2{font-family:Georgia,'Times New Roman',serif;font-weight:400;letter-spacing:-.055em;line-height:1.06}.hero h1{font-size:clamp(3.5rem,5.3vw,5.5rem);max-width:800px}.hero h1 em,.last-cta h2 em{font-weight:400;color:var(--blue);font-style:italic}.hero-lede{max-width:560px;margin:28px 0 30px;font-size:18px;line-height:1.65;color:#39434c}.hero-actions{display:flex;align-items:center;gap:28px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:15px;padding:15px 23px;border-radius:100px;font-size:15px;font-weight:700;line-height:1.2;transition:background .2s,transform .2s}.button-primary{background:var(--blue);color:#fff}.text-link{font-size:15px;font-weight:700;border-bottom:1px solid currentColor;padding-bottom:3px}.text-link span{margin-left:10px}.hero-proof{display:flex;gap:25px;align-items:center;flex-wrap:wrap;border-top:1px solid var(--line);margin-top:56px;padding-top:23px}.hero-proof>div{display:flex;flex-direction:column;min-width:130px;border-right:1px solid var(--line);padding-right:24px}.hero-proof strong{font-family:Georgia,'Times New Roman',serif;font-size:34px;font-weight:400;line-height:1}.hero-proof span{font-size:12px;letter-spacing:.05em;text-transform:uppercase;color:var(--muted);margin-top:7px}.hero-proof .proof-note{border:0;min-width:unset;font-size:13px;color:var(--muted);line-height:1.3;padding:0}.hero-visual{position:relative;align-self:stretch;min-height:560px;max-height:650px;background:#d5e0f1;overflow:hidden;border-radius:3px}.hero-visual::after{content:"";position:absolute;inset:50% 0 0;background:linear-gradient(transparent,rgba(8,20,34,.45));pointer-events:none}.hero-visual>img{width:100%;height:100%;object-fit:cover;object-position:55% center}.photo-caption{position:absolute;bottom:27px;left:29px;z-index:1;color:#fff;display:flex;align-items:center;gap:13px;font-family:Georgia,'Times New Roman',serif;font-size:23px;line-height:1.15}.photo-caption small{font-family:Arial,Helvetica,sans-serif;font-size:12px;letter-spacing:.02em}.caption-line{width:30px;height:2px;background:#fff}.orientation{padding:105px 0 115px}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:45px;margin-bottom:38px}.section-heading .eyebrow{margin-bottom:17px}.section-heading h2{font-size:clamp(2.7rem,4.3vw,4.3rem)}.section-heading>p{max-width:305px;margin:0 0 5px;color:var(--muted);font-size:16px}.intent-grid{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line)}.intent-card{min-height:294px;display:flex;flex-direction:column;align-items:flex-start;position:relative;padding:33px 39px;transition:background .2s}.intent-card+.intent-card{border-left:1px solid var(--line)}.intent-card:hover{background:#f1f5fd}.intent-index,.product-tag,.group-number,.video-meta{font-size:12px;font-weight:800;letter-spacing:.12em;color:#456ab0}.intent-title{font-family:Georgia,'Times New Roman',serif;font-size:clamp(2rem,3vw,3rem);letter-spacing:-.045em;line-height:1.1;max-width:450px;margin:33px 0 13px}.intent-desc{font-size:15px;color:var(--muted);padding-right:38px}.intent-arrow{position:absolute;right:37px;bottom:27px;color:var(--blue);font-size:30px;font-weight:300}.products{padding-bottom:112px}.product-group{display:grid;grid-template-columns:36% 1fr;gap:6%;padding:53px 0 20px;border-top:1px solid var(--ink);scroll-margin-top:25px}.product-group+.product-group{margin-top:40px}.group-number{color:var(--blue)}.group-intro h2{font-size:clamp(2.5rem,4vw,4rem);margin:12px 0 17px}.group-intro p{max-width:310px;color:var(--muted);font-size:16px;margin:0}.product-list{border-top:1px solid var(--line)}.product-row{display:flex;gap:25px;align-items:end;justify-content:space-between;padding:25px 0;border-bottom:1px solid var(--line)}.product-row h3{font-family:Georgia,'Times New Roman',serif;font-size:29px;font-weight:400;letter-spacing:-.035em;line-height:1.1;margin:7px 0 8px}.product-row p{color:var(--muted);margin:0;max-width:440px;font-size:15px;line-height:1.6}.product-row a{font-size:13px;white-space:nowrap;font-weight:700;border-bottom:1px solid var(--ink);padding-bottom:3px;margin-bottom:2px}.product-row a span{margin-left:8px}.product-row a:hover,.about-copy a:hover,.channel-link:hover,.last-actions>a:last-child:hover{text-decoration:underline}.product-help{margin-top:60px;background:var(--paper);padding:30px 35px;display:flex;align-items:center;justify-content:space-between;gap:30px}.product-help p{max-width:570px;font-family:Georgia,'Times New Roman',serif;font-size:24px;letter-spacing:-.02em;line-height:1.25;margin:0}.button-outline{border:1px solid var(--ink);color:var(--ink);white-space:nowrap}.button-outline:hover{background:#fff;transform:translateY(-2px)}.about-band{background:var(--navy);color:#fff;padding:93px 0}.about-grid{display:grid;grid-template-columns:1fr .8fr;gap:12%;align-items:start}.eyebrow-light{color:#9bbafa}.about-band h2{font-size:clamp(3rem,4.7vw,5rem);max-width:650px}.about-copy{padding-top:45px}.about-copy p{font-size:18px;line-height:1.7;color:#e3e9f0;margin:0 0 19px}.about-copy a{display:inline-block;margin-top:17px;border-bottom:1px solid #fff;padding-bottom:4px;font-size:14px;font-weight:700}.about-copy a span{margin-left:8px}.process{padding-top:110px;padding-bottom:120px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:44px;margin-top:58px}.steps>div{border-top:2px solid var(--blue);padding-top:22px}.steps span{font-size:13px;font-weight:800;color:var(--blue);letter-spacing:.1em}.steps h3{font-family:Georgia,'Times New Roman',serif;font-size:27px;font-weight:400;letter-spacing:-.03em;margin:27px 0 10px}.steps p{font-size:15px;color:var(--muted);line-height:1.65;max-width:300px;margin:0}.video-section{background:var(--paper);padding:105px 0 112px}.video-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.video-card{display:block}.video-image{position:relative;aspect-ratio:16/9;background:#d9e1eb;overflow:hidden}.video-image img{width:100%;height:100%;object-fit:cover;transition:transform .3s,filter .3s}.video-card:hover .video-image img{transform:scale(1.04);filter:brightness(.83)}.play-icon{position:absolute;bottom:14px;left:14px;display:grid;place-items:center;background:var(--blue);color:#fff;width:45px;height:45px;border-radius:50%;font-size:15px;padding-left:2px}.video-meta{display:flex;justify-content:space-between;gap:10px;color:#5577ad;margin:18px 0 8px;font-size:11px}.video-card h3{font-family:Georgia,'Times New Roman',serif;font-weight:400;letter-spacing:-.03em;line-height:1.2;font-size:24px}.video-card p{font-size:14px;color:var(--muted);margin:10px 0 0}.channel-link{display:inline-block;font-size:15px;font-weight:700;border-bottom:1px solid currentColor;padding-bottom:3px;margin-top:40px}.channel-link span{margin-left:9px}.last-cta{background:var(--blue);color:#fff;padding:93px 0}.last-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:8%;align-items:end}.last-cta h2{font-size:clamp(3.2rem,4.9vw,5.4rem)}.last-cta h2 em{color:#dce8ff}.last-grid>div:last-child{padding-bottom:4px}.last-grid>div:last-child p{font-size:18px;line-height:1.6;margin:0 0 25px;max-width:380px}.last-actions{display:flex;flex-direction:column;align-items:flex-start;gap:17px}.button-white{background:#fff;color:#14243d}.button-white:hover{background:#ecf2ff;transform:translateY(-2px)}.last-actions>a:last-child{font-size:14px;font-weight:700;border-bottom:1px solid #fff;padding-bottom:3px}.site-footer{background:#111d2c;color:#e4eaf3;padding:52px 0 35px}.footer-top{display:flex;justify-content:space-between;align-items:start;gap:30px;padding-bottom:64px}.footer-brand{font-size:27px;font-weight:800;line-height:.95;letter-spacing:.12em}.footer-links{display:flex;gap:27px;flex-wrap:wrap;font-size:14px}.footer-bottom{border-top:1px solid #465160;padding-top:23px;display:flex;justify-content:space-between;gap:30px;color:#aeb8c4;font-size:12px;line-height:1.7}.footer-bottom p{margin:0}.footer-bottom a{text-decoration:underline}@media(max-width:1120px){.desktop-nav{gap:20px}.hero-grid{gap:4%}.hero h1{font-size:clamp(3.3rem,5.1vw,4.9rem)}.hero-visual{min-height:510px}.hero-proof{gap:13px}.hero-proof>div{min-width:110px;padding-right:15px}.hero-proof strong{font-size:28px}}@media(max-width:900px){.wrap{width:min(100% - 50px,1260px)}.desktop-nav,.header-cta{display:none}.menu-button{width:44px;height:44px;padding:9px;display:flex;flex-direction:column;justify-content:center;gap:6px;background:none;border:1px solid var(--line);cursor:pointer}.menu-button span{height:2px;width:100%;background:var(--ink);display:block}.mobile-nav:not([hidden]){display:flex;flex-direction:column;background:var(--paper);padding:12px 25px 25px;border-top:1px solid var(--line)}.mobile-nav a{padding:11px 0;border-bottom:1px solid var(--line);font-size:15px}.hero{padding-top:50px}.hero-grid{grid-template-columns:1fr .8fr}.hero h1{font-size:clamp(3rem,5.6vw,4.2rem)}.hero-lede{font-size:16px}.hero-visual{min-height:480px}.hero-proof .proof-note{display:none}.product-group{grid-template-columns:32% 1fr;gap:4%}.product-row{align-items:start;flex-direction:column;gap:13px}.product-row a{margin:0}.about-grid{gap:6%}}@media(max-width:700px){.wrap{width:min(100% - 38px,1260px)}.header-inner{height:72px}.brand{min-width:0}.hero{padding:45px 0 58px}.hero-grid{display:flex;flex-direction:column;align-items:stretch}.hero-copy{padding:0}.hero h1{font-size:clamp(3.2rem,11vw,5rem)}.hero-lede{font-size:17px;margin:25px 0}.hero-actions{gap:21px}.hero-proof{margin-top:43px;padding-top:19px}.hero-proof>div{min-width:105px}.hero-visual{height:450px;min-height:0;max-height:none;margin-top:40px}.hero-visual>img{object-position:center 42%}.orientation{padding:75px 0}.section-heading{display:block;margin-bottom:30px}.section-heading>p{margin-top:20px;max-width:500px}.section-heading h2{font-size:clamp(2.9rem,9vw,4rem)}.intent-grid{display:block}.intent-card{min-height:260px;padding:25px}.intent-card+.intent-card{border-left:0;border-top:1px solid var(--line)}.intent-title{font-size:clamp(2rem,7vw,2.6rem);margin-top:30px}.intent-arrow{right:25px}.products{padding-bottom:80px}.product-group{display:block;padding-top:36px}.product-group+.product-group{margin-top:57px}.group-intro{margin-bottom:29px}.group-intro h2{font-size:clamp(2.9rem,9vw,4rem)}.product-row{padding:24px 0}.product-help{display:block;padding:27px;margin-top:45px}.product-help p{font-size:23px;margin-bottom:25px}.about-band{padding:75px 0}.about-grid{display:block}.about-band h2{font-size:clamp(3.1rem,9vw,4.5rem)}.about-copy{padding-top:27px}.about-copy p{font-size:16px}.process{padding-top:80px;padding-bottom:85px}.steps{grid-template-columns:1fr;gap:30px;margin-top:35px}.steps h3{margin-top:16px}.steps p{max-width:none}.video-section{padding:80px 0}.video-grid{grid-template-columns:1fr;gap:35px}.video-card h3{font-size:26px}.last-cta{padding:75px 0}.last-grid{display:block}.last-cta h2{font-size:clamp(3.2rem,9vw,4.7rem)}.last-grid>div:last-child{margin-top:37px}.footer-top,.footer-bottom{display:block}.footer-links{margin-top:35px}.footer-bottom p+p{margin-top:18px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}

.calculator-section{background:#eaf0fb;padding:94px 0}.calculator-grid{display:grid;grid-template-columns:1fr .9fr;gap:10%;align-items:center}.calculator-section h2{font-family:Georgia,'Times New Roman',serif;font-size:clamp(2.8rem,4.4vw,4.7rem);font-weight:400;letter-spacing:-.055em;line-height:1.08;margin:0}.calculator-section h2 em{color:var(--blue);font-weight:400}.calculator-section p{color:#39434c}.calculator-grid>div:first-child>p:not(.eyebrow){max-width:555px;font-size:17px;line-height:1.65;margin:24px 0 27px}.calculator-section small{display:block;margin-top:12px;color:var(--muted)}.calculator-list{background:#fff;border:1px solid #d9e2f2;padding:16px 32px}.calculator-list>div{display:grid;grid-template-columns:35px 1fr;column-gap:16px;padding:19px 0}.calculator-list>div+div{border-top:1px solid var(--line)}.calculator-list span{grid-row:span 2;color:var(--blue);font-size:12px;font-weight:800;letter-spacing:.1em;padding-top:4px}.calculator-list strong{font-family:Georgia,'Times New Roman',serif;font-size:24px;font-weight:400;letter-spacing:-.03em;line-height:1.2}.calculator-list p{margin:6px 0 0;font-size:14px;line-height:1.5}@media(max-width:700px){.calculator-section{padding:72px 0}.calculator-grid{display:block}.calculator-section h2{font-size:clamp(2.8rem,9vw,4rem)}.calculator-list{margin-top:36px;padding:12px 22px}.calculator-list strong{font-size:22px}}
.hero-visual{border-radius:36px}.hero-visual>img{object-position:0% center}@media(max-width:700px){.hero-visual{border-radius:30px}.hero-visual>img{object-position:0% center}}

.quiz-cta{padding:0 0 105px}.quiz-cta-panel{display:grid;grid-template-columns:1fr .88fr;gap:8%;align-items:center;padding:58px 64px;background:#1b3150;color:#fff;border-radius:34px}.quiz-cta .eyebrow{margin:0 0 22px}.quiz-cta h2{max-width:600px;margin:0;font-family:Georgia,'Times New Roman',serif;font-size:clamp(2.8rem,4.5vw,4.7rem);font-weight:400;letter-spacing:-.055em;line-height:1.08}.quiz-cta h2 em{color:#a8c3ff;font-weight:400}.quiz-cta-copy p{margin:0 0 26px;color:#e4ebf6;font-size:17px;line-height:1.65}.quiz-cta-copy small{display:block;margin-top:16px;color:#bed0ea;font-size:13px}@media(max-width:850px){.quiz-cta-panel{grid-template-columns:1fr;gap:26px;padding:45px 43px}}@media(max-width:700px){.quiz-cta{padding-bottom:75px}.quiz-cta-panel{padding:35px 27px;border-radius:25px}.quiz-cta h2{font-size:clamp(2.6rem,10vw,3.5rem)}.quiz-cta-copy p{font-size:16px}}

.heloc-shortcut{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:48px;margin-top:64px;padding:38px 42px;background:#eaf0fb;border:1px solid #d9e2f2;border-radius:28px}.heloc-shortcut .eyebrow{margin-bottom:14px}.heloc-shortcut h3{max-width:470px;margin:0;font-family:Georgia,'Times New Roman',serif;font-size:clamp(2rem,3vw,3rem);font-weight:400;letter-spacing:-.045em;line-height:1.12}.heloc-shortcut p:not(.eyebrow){max-width:460px;margin:18px 0 0;color:#39434c;font-size:15px;line-height:1.6}.heloc-shortcut-actions{display:grid;gap:12px}.heloc-choice{display:flex;justify-content:space-between;align-items:center;gap:18px;min-height:76px;padding:18px 22px;background:#fff;border:1px solid #c8d6ef;border-radius:16px;font-size:16px;font-weight:700;line-height:1.35;transition:background .2s,border-color .2s,transform .2s}.heloc-choice:hover{background:#f8fbff;border-color:var(--blue);transform:translateY(-2px)}.heloc-choice span:last-child{color:var(--blue);font-size:23px;font-weight:400;line-height:1}@media(max-width:850px){.heloc-shortcut{grid-template-columns:1fr;gap:26px}}@media(max-width:700px){.heloc-shortcut{margin-top:50px;padding:30px 24px;border-radius:22px}.heloc-shortcut h3{font-size:clamp(2rem,8vw,2.7rem)}.heloc-choice{min-height:68px;padding:16px 18px;font-size:15px}}

.bundle-showcase{display:block;min-width:0;background:#fff;border:1px solid #d5e0f2;border-radius:24px;overflow:hidden;box-shadow:0 20px 50px rgba(27,54,96,.11);transition:transform .2s,box-shadow .2s}
.bundle-showcase:hover{transform:translateY(-3px);box-shadow:0 24px 56px rgba(27,54,96,.16)}
.bundle-showcase-head,.bundle-showcase-foot{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:15px 22px}
.bundle-showcase-head{color:#34598f;border-bottom:1px solid #dce5f3;font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase}
.bundle-showcase-head strong{font-size:13px;color:var(--blue)}
.bundle-showcase-stage{position:relative;height:430px;background:linear-gradient(155deg,#f9fbff,#eaf1fc)}
.bundle-showcase-slide{position:absolute;inset:0;display:grid;grid-template-rows:repeat(3,1fr);gap:11px;padding:19px;opacity:0;animation:bundle-slide 15s linear infinite}
.bundle-showcase-slide:nth-child(2){animation-delay:5s}
.bundle-showcase-slide:nth-child(3){animation-delay:10s}
.bundle-showcase:hover .bundle-showcase-slide,.bundle-showcase:focus-visible .bundle-showcase-slide{animation-play-state:paused}
.bundle-showcase-card{display:grid;grid-template-columns:58px 1fr;grid-template-rows:auto auto;column-gap:13px;align-content:center;min-height:0;padding:14px 18px;background:#fff;border:1px solid #dce5f3;border-radius:17px;box-shadow:0 8px 20px rgba(35,72,125,.045)}
.bundle-showcase-card span{grid-row:1/3;align-self:center;color:var(--blue);font-size:12px;font-weight:800;letter-spacing:.06em}
.bundle-showcase-card strong{font-family:Georgia,'Times New Roman',serif;font-size:clamp(17px,1.7vw,21px);font-weight:400;letter-spacing:-.025em;line-height:1.2}
.bundle-showcase-card small{display:block;margin-top:5px;color:#647083;font-size:13px;line-height:1.3}
.bundle-showcase-foot{border-top:1px solid #dce5f3;color:#45536a;font-size:13px;font-weight:600;line-height:1.35}
.bundle-showcase-foot span:last-child{color:var(--blue);font-size:21px;font-weight:400}
@keyframes bundle-slide{0%,28%{opacity:1;transform:translateY(0)}33.333%,100%{opacity:0;transform:translateY(-12px)}}
@media(max-width:850px){.bundle-showcase{margin-top:34px;max-width:560px}}
@media(max-width:700px){.bundle-showcase{border-radius:18px}.bundle-showcase-card{grid-template-columns:50px 1fr;padding:12px 14px}.bundle-showcase-card strong{font-size:18px}.bundle-showcase-card small{font-size:12px}}
@media(prefers-reduced-motion:reduce){.bundle-showcase:hover{transform:none}.bundle-showcase-stage{height:auto}.bundle-showcase-slide{position:static;opacity:1;animation:none}.bundle-showcase-slide+.bundle-showcase-slide{padding-top:0}}