*{box-sizing:border-box}:root{--ink:#1a1a2e;--green:#1a1a2e;--cream:#FAFAF7;--soft:#faf8f5;--line:#e7e1d5;--text:#666666}html{scroll-behavior:smooth;scroll-padding-top:150px}body{margin:0;color:var(--text);font:18px/1.7 system-ui,sans-serif;background:#fff}a{color:var(--green);text-underline-offset:4px}h1,h2,h3{color:var(--ink);line-height:1.18}h1,h2{font-family:Georgia,serif;font-weight:500;letter-spacing:-.035em}h1{font-size:clamp(2.6rem,5vw,4.6rem);margin:18px 0 24px}h2{font-size:clamp(1.8rem,3vw,2.6rem);margin:0 0 22px}h3{font-size:1.3rem;margin:0 0 15px}p{margin:0 0 20px}.wrap{max-width:1180px;margin:auto;padding:0 28px}.skip{position:absolute;top:-100px;background:white;padding:12px;z-index:10}.skip:focus{top:0}:focus-visible{outline:3px solid #c9a96e;outline-offset:4px}header{position:sticky;top:0;z-index:5;background:#fffffff5;border-bottom:1px solid var(--line)}.bar{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:18px;padding-bottom:14px}.brand{display:flex;gap:14px;align-items:center;text-decoration:none;font-weight:750;line-height:1.3;font-size:1.2rem}.brand small{display:block;font-size:.75rem;letter-spacing:.1em;margin-top:5px}.brandmark{display:flex;align-items:center;justify-content:center;width:52px;height:52px;border-radius:14px;background:var(--green);color:white;font:20px Georgia}.contact{font-weight:700;white-space:nowrap}nav{display:flex;gap:23px;overflow:auto;padding-top:8px!important;padding-bottom:15px!important}nav a{font-size:.95rem;white-space:nowrap;text-decoration:none}nav a[aria-current]{font-weight:750;border-bottom:2px solid var(--green)}.hero{display:grid;grid-template-columns:1.15fr 1fr;gap:55px;align-items:center;padding-top:70px;padding-bottom:70px;background:var(--cream)}body:has(.hero) main{background:var(--cream)}.hero figure{margin:0}.hero img{width:100%;height:470px;object-fit:cover;border-radius:100px 16px 16px 16px}figcaption{font-size:.8rem;margin-top:12px}.eyebrow{font-size:.8rem;letter-spacing:.13em;font-weight:750;color:var(--green)}.lead{font-size:1.25rem;line-height:1.6}.actions{display:flex;gap:12px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:center;background:var(--green);color:white;border:2px solid var(--green);border-radius:8px;min-height:50px;padding:12px 20px;text-decoration:none;font:700 1rem/1.4 system-ui;cursor:pointer}.button:hover{background:#16213e}.outline{background:transparent;color:var(--green)}.outline:hover{background:var(--soft)}.quiet{font-size:.95rem;margin-top:22px}.soft{background:var(--soft);padding:65px 0}.choices{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:30px}.card{background:white;border:1px solid var(--line);border-radius:12px;padding:28px}.choices a{text-decoration:none;color:var(--text)}.choices a:hover{border-color:var(--green);box-shadow:0 5px 20px #1a1a2e12}.choices span{color:var(--green);font-size:.95rem;font-weight:700}.guide{max-width:920px;padding-top:60px;padding-bottom:65px}.pagehead{padding-bottom:35px;border-bottom:1px solid var(--line);margin-bottom:40px}.guide h1{font-size:clamp(2.5rem,4.5vw,3.8rem)}section{margin:40px 0}li{margin:12px 0;padding-left:6px}.twocol{display:grid;grid-template-columns:1fr 1fr;gap:20px}.story{background:var(--cream);border-left:4px solid #c9a96e;padding:30px;margin:35px 0;border-radius:0 12px 12px 0}.story h3{margin-top:14px}.story small,footer small{font-size:.875rem;display:block}.next{background:var(--soft);padding:28px;border-radius:12px;margin:30px 0}.next strong{display:block;font-size:1.2rem;color:var(--ink);margin-bottom:10px}.next p:last-child{margin-bottom:0}.tablewrap{overflow:auto}table{border-collapse:collapse;width:100%;font-size:1rem}th,td{padding:16px;text-align:left;border:1px solid var(--line);vertical-align:top}th{background:var(--soft);color:var(--ink)}.homebottom{max-width:960px;padding-top:30px;padding-bottom:55px}.about{display:grid;grid-template-columns:160px 1fr;gap:30px}.about img{width:160px;border-radius:12px}.field{display:block;margin:20px 0;font-weight:650;color:var(--ink)}input,textarea{display:block;width:100%;font:400 1rem/1.5 system-ui;padding:12px;margin-top:9px;background:#fff;border:1px solid #9aa99f;border-radius:7px;color:var(--ink)}textarea{resize:vertical;min-height:84px}output{display:block;background:var(--soft);padding:22px;border-radius:10px;font-weight:700;color:var(--ink)}footer{background:var(--green);color:#FAFAF7;padding:55px 0}footer h2,footer a{color:white}footer .button{background:#c9a96e;color:var(--ink);border-color:#c9a96e}.footerrow{display:flex;gap:30px;align-items:center;justify-content:space-between;margin-bottom:25px}.footerrow>div{max-width:650px}.footerrow h2{font-size:2rem}footer small{max-width:90ch;color:#e8d5a8}@media(max-width:760px){body{font-size:17px}.wrap{padding-inline:20px}.bar{align-items:flex-start}.brand{font-size:1rem}.brand small{font-size:.65rem}.brandmark{display:none}.contact{font-size:.85rem}.hero{grid-template-columns:1fr;gap:25px;padding-top:40px;padding-bottom:35px}.hero img{height:310px;border-radius:55px 12px 12px 12px}.choices,.twocol{grid-template-columns:1fr}.guide{padding-top:35px}.footerrow{display:block}.about{grid-template-columns:1fr}.about img{width:120px}.soft{padding:40px 0}nav{gap:18px}h1{font-size:2.8rem}}@media print{header,footer,.skip,#print,.calculator,.next{display:none!important}body{font-size:11pt;color:#000}.guide{max-width:none;padding:0}.pagehead{margin-bottom:16px;padding-bottom:10px}.pagehead h1{font-size:25pt}.field{break-inside:avoid;margin:14px 0;font-size:10pt}textarea{min-height:62px;border:1px solid #999;border-radius:0;font-size:10pt}.lead{font-size:11pt}@page{margin:16mm}}
.brandmark{background:#1a1a2e;color:#c9a96e;border:1px solid #c9a96e}.eyebrow{color:#806127}.guide-image{margin:25px 0 38px}.guide-image img{width:100%;max-height:410px;object-fit:cover;border-radius:14px}.guide-image figcaption{color:#666}.choices .card{overflow:hidden}.card-image{width:calc(100% + 56px);max-width:none;margin:-28px -28px 24px;height:160px;object-fit:cover}.brand small{color:#806127}.hero img{border-radius:20px}.button{background:#1a1a2e}.outline{background:transparent}.outline:hover{background:#faf8f5}.next{border-left:3px solid #c9a96e}footer .button:hover{background:#e8d5a8}@media print{.guide-image{display:none}}

.brand-logo{width:60px;height:60px;object-fit:contain;flex-shrink:0}.brand{font-size:1.1rem}@media(max-width:760px){.brand-logo{width:42px;height:42px}.brand{font-size:.95rem}.brand small{font-size:.6rem}.bar{gap:12px}}

.checkitem{display:flex;gap:12px;align-items:flex-start;font-weight:400}.checkitem input{width:18px;height:18px;flex-shrink:0;margin-top:6px}.glossary-jump{position:static;display:flex;flex-wrap:wrap;overflow:visible;gap:16px;padding:20px 0}.glossary-term{margin:22px 0;border-bottom:1px solid var(--line);padding-bottom:16px}.glossary-term h3{margin-bottom:10px}nav.wrap{flex-wrap:wrap;overflow:visible;gap:8px 22px}@media(max-width:760px){header{position:static}nav.wrap{gap:10px 18px}}

footer .disclosure{font-size:.875rem;line-height:1.65;margin:20px 0;color:#FAFAF7}.footer-actions{display:flex;flex-direction:column;align-items:flex-start;gap:14px;min-width:235px}.footer-links{display:flex;flex-wrap:wrap;gap:12px 24px;margin-top:24px;font-size:.875rem}.equal-housing{display:flex;align-items:center;gap:16px;margin-top:24px}.equal-housing img{background:#fff;padding:5px;box-sizing:content-box}.equal-housing span{font-size:.875rem;font-weight:700}.legal-note{font-size:1rem;margin-top:20px}footer .button{white-space:normal}@media(max-width:760px){.footer-actions{margin-top:20px}}

.guide-image.mortgage-portrait{max-width:520px;margin:25px auto 38px}.guide-image.mortgage-portrait img{display:block;width:100%;height:auto;max-height:none;object-fit:contain}

.worksheet-tip{margin:0 0 16px;padding:10px 14px;background:#f4f0e7;border-left:3px solid #c9a96e;border-radius:6px}.worksheet-tip summary{cursor:pointer;color:#1a1a2e;font-weight:600;width:fit-content}.worksheet-tip p{margin:10px 0 0}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}@media print{.worksheet-tip>p{display:block!important}.worksheet-tip{break-inside:avoid}}

/* Visual guide navigation */
header{background:#FAFAF7;position:relative}.bar{padding-bottom:8px}.visual-nav{display:block;overflow:visible;padding-top:0!important;padding-bottom:20px!important}.nav-tools{display:flex;justify-content:flex-end;gap:22px;margin:-32px 0 18px}.nav-tools a{font-size:.85rem;padding:4px 0}.nav-phases{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.nav-phase{border-radius:12px;overflow:hidden;border:1px solid #c9a96e;box-shadow:0 3px 9px #1a1a2e12}.phase-1{background:#1a1a2e;color:#FAFAF7}.phase-2{background:#c9a96e;color:#1a1a2e}.phase-3{background:#f4f0e7;color:#1a1a2e}.phase-label{display:flex;align-items:center;gap:9px;font-size:.92rem;font-weight:750;padding:11px 14px;border-bottom:1px solid #ffffff40}.phase-3 .phase-label{border-bottom-color:#c9a96e70}.phase-number{width:26px;height:26px;display:inline-flex;align-items:center;justify-content:center;border:1px solid currentColor;border-radius:50%;font-size:.8rem;flex-shrink:0}.phase-links{display:flex;flex-wrap:wrap;gap:4px 12px;padding:10px 14px 14px}.phase-links a{font-size:.83rem;white-space:normal;color:inherit;padding:3px 6px;border-radius:5px}.phase-links a:hover{background:#ffffff25;text-decoration:underline}.phase-links a[aria-current]{border:0;background:#FAFAF7;color:#1a1a2e;box-shadow:0 0 0 1px #1a1a2e20;font-weight:750}.visual-nav a:focus-visible{outline:3px solid currentColor;outline-offset:3px}
@media(max-width:760px){.nav-tools{margin:2px 0 12px;justify-content:flex-start}.nav-phases{grid-template-columns:1fr;gap:8px}.phase-label{padding:8px 12px}.phase-links{padding:6px 10px 10px}.bar{padding-top:12px}.visual-nav{padding-bottom:14px!important}}
@media print{.visual-nav{display:none}}

@font-face{font-family:Poppins;src:url('assets/poppins-600.ttf') format('truetype');font-weight:600;font-style:normal;font-display:swap}@font-face{font-family:Poppins;src:url('assets/poppins-700.ttf') format('truetype');font-weight:700;font-style:normal;font-display:swap}
.visual-nav{font-family:Poppins,system-ui,sans-serif}.phase-links{display:flex;flex-direction:column;align-items:stretch;gap:5px;padding:12px 15px 16px}.phase-links a{display:block;font-size:1rem;font-weight:600;line-height:1.5;padding:5px 8px}.phase-label{font-size:1.1rem;font-weight:700;min-height:62px;transition:background-color .18s,color .18s}.phase-label .phase-title{display:inline-block;transform-origin:left center;transition:transform .18s}.phase-1 .phase-label:hover{background:#c9a96e;color:#1a1a2e}.phase-2 .phase-label:hover,.phase-3 .phase-label:hover{background:#1a1a2e;color:#FAFAF7}.phase-label:hover .phase-title{transform:scale(1.045)}.nav-phase:focus-within .phase-label{box-shadow:inset 0 0 0 2px #c9a96e}.answer-block{padding:22px 24px;margin:0 0 18px;background:#FAFAF7;border:1px solid #e7e1d5;border-left:3px solid #c9a96e;border-radius:10px}.answer-block h3{font-size:1.25rem;line-height:1.4}.answer-block p:last-child{margin-bottom:0;font-size:.95rem}
@media(max-width:760px){.phase-label{font-size:1.05rem;min-height:52px}.phase-links a{font-size:1rem}.nav-tools{margin-top:4px}}
@media(prefers-reduced-motion:reduce){.phase-label,.phase-title{transition:none!important}.phase-label:hover .phase-title{transform:none}}

.state-list{columns:3;column-gap:24px}.state-list li{break-inside:avoid}@media(max-width:600px){.state-list{columns:2}}

/* Connected navigation arrows */
.nav-phases{gap:0;filter:drop-shadow(0 4px 7px #1a1a2e18)}.nav-phase{position:relative;border:0;border-radius:0;box-shadow:none;clip-path:polygon(0 0,calc(100% - 24px) 0,100% 50%,calc(100% - 24px) 100%,0 100%,24px 50%);padding:0 24px 0 20px;margin-left:-24px}.nav-phase:first-child{margin-left:0;padding-left:0;clip-path:polygon(0 0,calc(100% - 24px) 0,100% 50%,calc(100% - 24px) 100%,0 100%);z-index:3}.nav-phase:nth-child(2){z-index:2}.nav-phase:nth-child(3){z-index:1}.nav-phase .phase-label{padding-left:18px;padding-right:10px}.nav-phase .phase-links{padding-left:18px;padding-right:10px}.nav-phase .phase-label .phase-title{font-size:1.02rem}
@media(max-width:760px){.nav-phases{gap:0}.nav-phase,.nav-phase:first-child{margin-left:0;margin-top:-18px;padding:24px 0 24px;clip-path:polygon(0 0,50% 18px,100% 0,100% calc(100% - 18px),50% 100%,0 calc(100% - 18px))}.nav-phase:first-child{margin-top:0;padding-top:0;clip-path:polygon(0 0,100% 0,100% calc(100% - 18px),50% 100%,0 calc(100% - 18px))}.nav-phase .phase-label{padding-left:16px}.nav-phase .phase-links{padding-left:16px}}

.page-turner{display:flex;justify-content:space-between;align-items:stretch;gap:16px;overflow:visible;padding:18px 0!important;margin:0;font-family:Poppins,system-ui,sans-serif}.page-turner .page-turn{display:flex;flex-direction:column;gap:2px;max-width:48%;min-width:120px;padding:9px 15px;border:1px solid #c9a96e;border-radius:8px;background:#FAFAF7;color:#1a1a2e;white-space:normal;text-decoration:none;font-size:.95rem;font-weight:700;line-height:1.4}.page-turner .page-turn:last-child{text-align:right;align-items:flex-end}.page-turn small{font-size:.75rem;font-weight:600}.page-turner a:hover{background:#1a1a2e;color:#FAFAF7}.page-turner .unavailable{opacity:.4;border-color:#e7e1d5;justify-content:center}.page-turner a:focus-visible{outline:3px solid #c9a96e;outline-offset:3px}@media print{.page-turner{display:none}}

.page-turner.page-turner-first{justify-content:flex-end}

/* Quiet heading bands in the navigation */
.phase-1 .phase-label{background:#111122;color:#d8bb86;border-bottom:1px solid #c9a96e55}.phase-2 .phase-label{background:#b99a60;color:#161627;border-bottom:1px solid #1a1a2e20}.phase-3 .phase-label{background:#e8e0d1;color:#1a1a2e;border-bottom:1px solid #c9a96e70}.nav-phase .phase-label .phase-title{font-size:1.12rem;font-weight:700}.phase-1 .phase-label:hover{background:#25253e;color:#ead3a6}.phase-2 .phase-label:hover{background:#ab8b51;color:#111122}.phase-3 .phase-label:hover{background:#dfd4bf;color:#111122}

/* Fill the complete arrow silhouette with the heading color. */
.nav-phase.phase-1{background:#111122}.nav-phase.phase-2{background:#b99a60}.nav-phase.phase-3{background:#e8e0d1}.nav-phase .phase-label{background:transparent;transition:color .18s}.nav-phase{transition:background-color .18s}.phase-1:has(.phase-label:hover){background:#25253e}.phase-2:has(.phase-label:hover){background:#ab8b51}.phase-3:has(.phase-label:hover){background:#dfd4bf}.phase-1 .phase-label:hover,.phase-2 .phase-label:hover,.phase-3 .phase-label:hover{background:transparent}@media(prefers-reduced-motion:reduce){.nav-phase{transition:none}}

/* Navy, gold, and warm white site palette. */
:root{--ink:#d8bb86;--green:#d8bb86;--cream:#1a1a2e;--soft:#222239;--line:#c9a96e45;--text:#FAFAF7;--gold:#c9a96e;--navy:#1a1a2e;--deep:#111122}body{background:var(--navy);color:var(--text)}header,footer{background:var(--deep);color:var(--text)}header{border-bottom-color:var(--line)}h1,h2,h3,.next strong,.field{color:var(--ink)}a{color:#e0c693}.brand{color:#FAFAF7}.brand small,.eyebrow{color:#d8bb86}.soft,.next,.story,.card,.answer-block,.worksheet-tip{background:var(--soft);color:var(--text)}.card,.answer-block{border-color:var(--line)}.choices a{color:var(--text)}.choices span{color:var(--ink)}.choices a:hover{border-color:var(--gold);box-shadow:0 5px 20px #0003}.guide-image figcaption,figcaption,.quiet,.legal-note{color:#d7d4ce}.button,footer .button{background:var(--gold);color:#111122;border-color:var(--gold)}.button:hover,footer .button:hover{background:#e0c693;color:#111122;border-color:#e0c693}.button.outline{background:transparent;color:#e0c693;border-color:var(--gold)}.button.outline:hover{background:var(--soft);color:#FAFAF7}footer h2,footer a{color:#e0c693}footer .disclosure{color:#FAFAF7}.worksheet-tip summary{color:#e0c693}input,textarea{background:#FAFAF7;color:#1a1a2e;border-color:#c9a96e80}input[type=checkbox]{accent-color:#c9a96e}output{color:#FAFAF7;background:var(--soft)}th{color:#e0c693;background:var(--soft)}th,td{border-color:var(--line)}.page-turner .page-turn{background:var(--soft);color:#FAFAF7;border-color:var(--gold)}.page-turner a:hover{background:var(--gold);color:#111122}.page-turner .unavailable{border-color:var(--line)}.nav-tools a{color:#e0c693}.phase-2,.phase-3{color:#1a1a2e}.phase-links a{color:inherit}.phase-links a[aria-current]{color:#1a1a2e;background:#FAFAF7}.skip{color:#1a1a2e;background:#FAFAF7}
@media print{:root{--ink:#000;--green:#000;--cream:#fff;--soft:#fff;--line:#999;--text:#000}body,main,.hero,.soft,.story,.card,.answer-block,.worksheet-tip,output{background:#fff!important;color:#000!important}h1,h2,h3,a,.field,.quiet,.legal-note,.worksheet-tip summary{color:#000!important}input,textarea{background:#fff;color:#000}th{background:#eee;color:#000}}

/* Keep Gather the facts highlighted and gently invite readers to start. */
.nav-phase.phase-1,.phase-1:has(.phase-label:hover){background:#25253e}.phase-1 .phase-label,.phase-1 .phase-label:hover{color:#ead3a6;background:transparent}.phase-links a[href="start.html"]{animation:start-glow 3.8s ease-in-out infinite;border-radius:6px}@keyframes start-glow{0%,100%{box-shadow:0 0 0 0 #c9a96e00;text-shadow:none}50%{box-shadow:0 0 12px 2px #c9a96e55;text-shadow:0 0 8px #e0c69390}}@media(prefers-reduced-motion:reduce){.phase-links a[href="start.html"]{animation:none}}

.worksheet-part{margin:42px 0}.worksheet-group{margin:28px 0}.worksheet-item{padding:20px 22px;margin:18px 0;border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:10px;background:var(--soft)}.worksheet-item h4{color:var(--ink);font-size:1.15rem;margin:0 0 14px}.worksheet-status{border:0;padding:0;margin:14px 0 0;display:flex;flex-wrap:wrap;gap:10px 20px}.worksheet-status legend{font-weight:700;margin-bottom:8px}.worksheet-status label{display:flex;align-items:center;gap:8px;font-size:.95rem}.worksheet-status input{width:18px;height:18px;margin:0;accent-color:#c9a96e}.worksheet-choice{margin:12px 0}.next-steps-table input{min-width:130px}.worksheet-part h3{margin-top:26px}
@media print{.worksheet-item{break-inside:avoid;padding:10px 12px;margin:12px 0;background:#fff;border-color:#aaa}.worksheet-item h4{color:#000}.worksheet-status{font-size:9pt;gap:8px}.worksheet-part{margin:20px 0}.worksheet-group{margin:14px 0}.worksheet-part h2{font-size:18pt}.worksheet-part h3{font-size:13pt}.worksheet-part p{margin-bottom:8px}.worksheet-choice{margin:6px 0}.field input{border:1px solid #999;min-height:30px}}

.worksheet-part{margin:42px 0}.worksheet-group{margin:28px 0}.worksheet-item{padding:20px 22px;margin:18px 0;border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:10px;background:var(--soft)}.worksheet-item h4{color:var(--ink);font-size:1.15rem;margin:0 0 14px}.worksheet-status{border:0;padding:0;margin:14px 0 0;display:flex;flex-wrap:wrap;gap:10px 20px}.worksheet-status legend{font-weight:700;margin-bottom:8px}.worksheet-status label{display:flex;align-items:center;gap:8px;font-size:.95rem}.worksheet-status input{width:18px;height:18px;margin:0;accent-color:#c9a96e}.worksheet-choice{margin:12px 0}.next-steps-table input{min-width:130px}.worksheet-part h3{margin-top:26px}
@media print{.worksheet-item{break-inside:avoid;padding:10px 12px;margin:12px 0;background:#fff;border-color:#aaa}.worksheet-item h4{color:#000}.worksheet-status{font-size:9pt;gap:8px}.worksheet-part{margin:20px 0}.worksheet-group{margin:14px 0}.worksheet-part h2{font-size:18pt}.worksheet-part h3{font-size:13pt}.worksheet-part p{margin-bottom:8px}.worksheet-choice{margin:6px 0}.field input{border:1px solid #999;min-height:30px}}

.worksheet-download{padding:clamp(24px,5vw,48px);margin:28px 0}.worksheet-download h1{margin-top:0}.worksheet-download-action{text-align:center;border-top:1px solid rgba(216,187,134,.25);padding-top:28px;margin-top:24px}.worksheet-download-action .button{display:inline-block;font-weight:700;font-size:1.1rem}.worksheet-download-action p{margin:14px 0 0}