:root{
  color-scheme: light;
  --bg:#F3F5F4; --surface:#FFFFFF; --sunk:#E9EDEB; --ink:#17252D; --muted:#5B6B72; --line:#D5DCD9;
  --brand:#1F5E5B; --brand-soft:#DCEBE8; --navy:#174E6E;
  --good:#2F7D4F; --warn:#A86A12; --bad:#B23A3A;
  --good-soft:#E1F0E6; --warn-soft:#F7ECD8; --bad-soft:#F6E1E1;
  --sky:#E3EEF1;--hill:#D3E3DF;--b1:#F9FBFA;--b2:#E6EFF3;--b3:#EFEDE6;--roof:#4E6F7E;--door:#1F5E5B;--win:#BFD6DE;--lit:#F2D58A;--tree:#8DB9A3;--tree2:#7AAA92;--trunk:#7C6A58;--ground:#B9D3C4;--sun:#F6E4A6;--edge:#B7C6CB;
  box-sizing:border-box;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    color-scheme: dark;
    --bg:#111A1E; --surface:#18242A; --sunk:#0E1619; --ink:#E6EDEB; --muted:#9AABB1; --line:#2A3A41;
    --brand:#6FC2B9; --brand-soft:#1D3A39; --navy:#0F3448;
    --good:#6CC28D; --warn:#E3AA4F; --bad:#EE7C7C;
    --good-soft:#1C3527; --warn-soft:#3A2D16; --bad-soft:#3D1F21;
    --sky:#15232A;--hill:#1A2E2E;--b1:#22343C;--b2:#1E3038;--b3:#273634;--roof:#0F1C22;--door:#6FC2B9;--win:#2C434C;--lit:#C9A452;--tree:#2D5446;--tree2:#26493C;--trunk:#3A3029;--ground:#1C3530;--sun:#3B3A2A;--edge:#33474F;
  }
}
:root[data-theme="dark"]{
  color-scheme: dark;
  --bg:#111A1E; --surface:#18242A; --sunk:#0E1619; --ink:#E6EDEB; --muted:#9AABB1; --line:#2A3A41;
  --brand:#6FC2B9; --brand-soft:#1D3A39; --navy:#0F3448;
  --good:#6CC28D; --warn:#E3AA4F; --bad:#EE7C7C;
  --good-soft:#1C3527; --warn-soft:#3A2D16; --bad-soft:#3D1F21;
  --sky:#15232A;--hill:#1A2E2E;--b1:#22343C;--b2:#1E3038;--b3:#273634;--roof:#0F1C22;--door:#6FC2B9;--win:#2C434C;--lit:#C9A452;--tree:#2D5446;--tree2:#26493C;--trunk:#3A3029;--ground:#1C3530;--sun:#3B3A2A;--edge:#33474F;
}
*,*::before,*::after{box-sizing:inherit}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:"Public Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;font-size:15px;line-height:1.5;font-variant-numeric:tabular-nums}
[hidden]{display:none !important}
a{color:var(--brand)}
.wrap{max-width:1120px;margin:0 auto;padding:32px 20px 64px}
.sr{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* ---------- top banner ---------- */
.banner{background:var(--navy);color:#fff}
.banner .in{max-width:1120px;margin:0 auto;padding:12px 20px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.banner .logo{display:inline-block;background:#fff;padding:7px 10px;border-radius:6px;line-height:0}
.banner .logo img{height:26px;width:auto;display:block}
.banner .who{display:flex;align-items:center;gap:14px;font-size:.9rem}
.banner .who strong{font-weight:700}
.banner .who .nmls{opacity:.85}
.banner a.apply{background:#fff;color:var(--navy);font-weight:700;font-size:.88rem;padding:8px 14px;border-radius:8px;text-decoration:none;white-space:nowrap}
.banner a.apply:hover{filter:brightness(.95)}
.banner button.ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.45);font-size:.85rem;padding:7px 12px;border-radius:8px}
.banner button.ghost:hover{border-color:#fff}
@media (max-width:560px){.banner .who .nmls,.banner .who .hi{display:none}}

/* ---------- hero / neighborhood ---------- */
.hero{position:relative;background:linear-gradient(180deg,var(--sky) 0%,var(--bg) 100%);overflow:hidden}
.hero-in{position:relative;z-index:1;max-width:1120px;margin:0 auto;padding:40px 20px 170px}
.hero .hood{position:absolute;left:0;right:0;bottom:0;width:100%;height:170px}
.hood .hill{fill:var(--hill)} .hood .sun{fill:var(--sun)}
.hood .b1{fill:var(--b1);stroke:var(--edge);stroke-width:1} .hood .b2{fill:var(--b2);stroke:var(--edge);stroke-width:1} .hood .b3{fill:var(--b3);stroke:var(--edge);stroke-width:1}
.hood .roof{fill:var(--roof)} .hood .door{fill:var(--door)} .hood .win{fill:var(--win)} .hood .lit{fill:var(--lit)}
.hood .tree{fill:var(--tree)} .hood .tree2{fill:var(--tree2)} .hood .trunk{fill:var(--trunk)} .hood .ground{fill:var(--ground)}
.hero h1{font-size:clamp(1.7rem,3.6vw,2.5rem);line-height:1.12;font-weight:800;letter-spacing:-.02em;margin:0 0 12px}
.hero p.lead{margin:0 0 18px;color:var(--muted);font-size:1.05rem;max-width:58ch}
@media (max-width:560px){.hero-in{padding-bottom:140px}.hero .hood{height:140px}}
@media print{.hero .hood{display:none}.hero-in{padding-bottom:12px}}

/* ---------- GATE (lead capture) ---------- */
.gate-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(320px,440px);gap:40px;align-items:start}
@media (max-width:880px){.gate-grid{grid-template-columns:minmax(0,1fr);gap:26px}}
.eyebrow{display:inline-block;background:var(--brand-soft);color:var(--brand);font-weight:700;font-size:.8rem;letter-spacing:.04em;text-transform:uppercase;padding:4px 10px;border-radius:999px;margin-bottom:14px}
.benefits{list-style:none;margin:0 0 18px;padding:0;display:grid;gap:10px}
.benefits li{display:flex;gap:12px;align-items:flex-start}
.benefits .ic{flex:none;width:30px;height:30px;border-radius:8px;background:var(--brand-soft);color:var(--brand);display:grid;place-items:center;font-weight:800}
.benefits b{display:block}
.benefits span.t{color:var(--muted);font-size:.93rem}
.trust{font-size:.86rem;color:var(--muted);display:flex;align-items:center;gap:10px;margin:0}
.trust img{width:44px;height:44px;border-radius:50%;object-fit:cover}
.leadcard{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:0 12px 40px -18px rgba(23,37,45,.35);position:relative}
.leadcard h2{margin:0 0 4px;font-size:1.3rem;font-weight:800;letter-spacing:-.01em}
.leadcard .sub{margin:0 0 16px;color:var(--muted);font-size:.93rem}
.leadcard label.f{display:block;margin-bottom:12px;font-weight:600;font-size:.9rem}
.leadcard label.f input{display:block;width:100%;margin-top:5px;font:inherit;font-weight:500;font-size:1rem;padding:11px 12px;border-radius:9px;border:1px solid var(--line);background:var(--sunk);color:var(--ink);outline:none}
.leadcard label.f input:focus{border-color:var(--brand);box-shadow:0 0 0 3px var(--brand-soft)}
.hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}
.consent{display:flex;gap:10px;align-items:flex-start;margin:6px 0 14px;font-size:.78rem;line-height:1.5;color:var(--muted);background:var(--sunk);border-radius:10px;padding:10px 12px}
.consent input{margin:3px 0 0;flex:none;width:18px;height:18px;accent-color:var(--brand)}
.consent b{color:var(--ink)}
.cta{display:block;width:100%;font:inherit;font-weight:700;font-size:1.02rem;padding:13px 16px;border-radius:10px;border:0;background:var(--brand);color:#fff;cursor:pointer}
.cta:hover{filter:brightness(1.08)}
.cta:disabled{opacity:.6;cursor:progress}
.cta:focus-visible{outline:3px solid var(--brand-soft);outline-offset:2px}
.err{color:var(--bad);font-size:.88rem;min-height:1.2em;margin:10px 0 0}
.switch{margin:14px 0 0;font-size:.88rem;color:var(--muted);text-align:center}
.switch a{font-weight:600}
.fine{font-size:.74rem;color:var(--muted);margin:12px 0 0;line-height:1.5}
.lock{display:inline-flex;align-items:center;gap:6px;font-size:.78rem;color:var(--muted);margin-top:10px}

/* what you'll get strip */
.how{max-width:1120px;margin:0 auto;padding:28px 20px 0}
.how h2{font-size:1.25rem;margin:0 0 14px;font-weight:800;letter-spacing:-.01em}
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
@media (max-width:760px){.steps{grid-template-columns:1fr}}
.step{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:16px 18px}
.step .n{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:50%;background:var(--brand);color:#fff;font-weight:800;font-size:.9rem;margin-bottom:8px}
.step h3{margin:0 0 4px;font-size:1rem}
.step p{margin:0;color:var(--muted);font-size:.92rem}

/* sample preview */
.sample{max-width:1120px;margin:0 auto;padding:28px 20px 0}
.sample .grid2{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:22px;align-items:center}
@media (max-width:880px){.sample .grid2{grid-template-columns:1fr}}
.sample h2{font-size:1.25rem;margin:0 0 8px;font-weight:800;letter-spacing:-.01em}
.sample p{color:var(--muted);margin:0 0 12px}
.sample .dscr{pointer-events:none}
.sample .cta2{display:inline-block;background:var(--brand);color:#fff;font-weight:700;padding:11px 16px;border-radius:10px;text-decoration:none}

/* ---------- APP: scenario bar ---------- */
.welcome{display:flex;justify-content:space-between;gap:16px;align-items:flex-end;flex-wrap:wrap}
.welcome .hi{color:var(--muted);margin:0}
.scenbar{display:flex;gap:10px;align-items:center;flex-wrap:wrap;background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:12px 14px;margin:0 0 18px}
.scenbar label{font-weight:700;font-size:.9rem}
.scenbar select{font:inherit;font-weight:600;padding:8px 10px;border-radius:8px;border:1px solid var(--line);background:var(--sunk);color:var(--ink);max-width:min(100%,360px)}
.scenbar .sp{flex:1}
.savestate{font-size:.82rem;color:var(--muted);display:inline-flex;align-items:center;gap:6px}
.savestate .dot{width:8px;height:8px;border-radius:50%;background:var(--good)}
.savestate.saving .dot{background:var(--warn)}
.savestate.error .dot{background:var(--bad)}
.confirm{display:inline-flex;gap:6px;align-items:center;font-size:.85rem}
.confirm button.danger{border-color:var(--bad);color:var(--bad)}

/* saved property cards */
.saved{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:10px;margin:0 0 22px}
.saved button.pc{text-align:left;padding:12px 14px;border-radius:12px;display:grid;gap:2px;border:1px solid var(--line);background:var(--surface);cursor:pointer}
.saved button.pc.active{border-color:var(--brand);box-shadow:0 0 0 3px var(--brand-soft)}
.saved .pn{font-weight:700;font-size:.92rem;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.saved .pm{display:flex;justify-content:space-between;font-size:.84rem;color:var(--muted)}
.saved .pm b{color:var(--ink)}
.saved .pd{font-size:.76rem;color:var(--muted)}

/* ---------- calculator (from the original artifact) ---------- */
.grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,420px);gap:28px;align-items:start}
@media (max-width:880px){.grid{grid-template-columns:minmax(0,1fr)}}
fieldset{border:0;margin:0 0 22px;padding:0}
legend{font-weight:700;font-size:1.02rem;padding:0;margin-bottom:10px}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:6px 18px}
.row{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px solid var(--line)}
.row:last-child{border-bottom:0}
.row label{flex:1;min-width:0}
.row label small{display:block;color:var(--muted);font-size:.82rem}
.field{display:flex;align-items:center;background:var(--sunk);border:1px solid transparent;border-radius:8px;width:150px;flex:none}
.field:focus-within{border-color:var(--brand);box-shadow:0 0 0 3px var(--brand-soft)}
.field span{color:var(--muted);padding:0 0 0 10px;font-size:.9rem}
.field span.suf{padding:0 10px 0 0}
.field input,.field select{flex:1;min-width:0;border:0;background:transparent;color:var(--ink);font:inherit;font-weight:600;padding:8px 10px;text-align:right;outline:none}
.field select{text-align:left;cursor:pointer}
.field.wide{width:200px}
.field.text input{text-align:left}
@media (max-width:420px){.field{width:120px}.field.wide{width:150px}}

.results{position:sticky;top:16px}
.dscr{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:22px 22px 18px;border-top:6px solid var(--state,var(--brand))}
.dscr .lbl{font-weight:600;color:var(--muted);font-size:.9rem}
.dscr .num{font-size:4.2rem;font-weight:800;line-height:1;letter-spacing:-.03em;margin:6px 0 4px;color:var(--state)}
.verdict{display:inline-block;font-weight:600;font-size:.9rem;padding:4px 10px;border-radius:999px;background:var(--state-soft);color:var(--state)}
.scale{position:relative;margin:26px 0 8px;height:10px;border-radius:5px;
  background:linear-gradient(90deg,var(--bad) 0%,var(--bad) var(--p1),var(--warn) var(--p1),var(--warn) var(--pt),var(--good) var(--pt),var(--good) 100%);opacity:.9}
.marker{position:absolute;top:50%;width:20px;height:20px;border-radius:50%;background:var(--surface);border:4px solid var(--ink);transform:translate(-50%,-50%);transition:left .35s cubic-bezier(.2,.8,.2,1)}
@media (prefers-reduced-motion:reduce){.marker{transition:none}}
.ticks{position:relative;height:18px;font-size:.75rem;color:var(--muted)}
.ticks span{position:absolute;transform:translateX(-50%)}
.formula{margin:14px 0 0;font-size:.88rem;color:var(--muted)}
.formula b{color:var(--ink)}
.card{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin-top:14px}
.card h2{font-size:1rem;margin:0 0 8px;font-weight:700}
.kv{display:flex;justify-content:space-between;gap:12px;padding:5px 0;font-size:.94rem}
.kv span:first-child{color:var(--muted)}
.kv span:last-child{font-weight:600}
.kv.total{border-top:1px solid var(--line);margin-top:4px;padding-top:9px}
.kv.total span{color:var(--ink);font-weight:700}
.pos{color:var(--good)} .neg{color:var(--bad)}
.stats{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.stat{background:var(--sunk);border-radius:10px;padding:10px 12px}
.stat div:first-child{font-size:.8rem;color:var(--muted)}
.stat div:last-child{font-size:1.2rem;font-weight:700}
table{width:100%;border-collapse:collapse;font-size:.9rem}
th,td{text-align:right;padding:6px 4px;border-bottom:1px solid var(--line)}
th:first-child,td:first-child{text-align:left}
th{font-weight:600;color:var(--muted);font-size:.8rem}
tr:last-child td{border-bottom:0}
.note{font-size:.8rem;color:var(--muted);margin-top:28px;max-width:80ch}
.actions{display:flex;gap:10px;margin-top:14px;flex-wrap:wrap}
button{font:inherit;font-weight:600;font-size:.88rem;border-radius:8px;padding:8px 14px;cursor:pointer;border:1px solid var(--line);background:var(--surface);color:var(--ink)}
button:hover{border-color:var(--brand)}
button:focus-visible{outline:3px solid var(--brand-soft);outline-offset:1px;border-color:var(--brand)}
button.primary{background:var(--brand);color:#fff;border-color:var(--brand)}

.mbar{display:none}
@media (max-width:880px){
  .results{position:static}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:20;background:var(--surface);border-top:1px solid var(--line);
    padding:10px 20px 10px;justify-content:space-between;align-items:center;gap:12px}
  .mbar a{color:var(--brand);font-weight:600;font-size:.9rem}
  .mbar strong{font-size:1.25rem}
  body.has-mbar{padding-bottom:64px}
}
@media print{.mbar,.actions,.scenbar,.saved,.banner,.compliance,.ctas{display:none}.results{position:static}.grid{grid-template-columns:1fr 1fr}}

/* ---------- advisor ---------- */
.advisor{margin-top:32px;background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:22px;display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:22px;align-items:start}
.advisor img.photo{width:72px;height:72px;border-radius:50%;object-fit:cover;display:block}
.advisor h2{margin:0;font-size:1.25rem;font-weight:800;letter-spacing:-.01em}
.advisor .role{color:var(--muted);margin:0 0 10px}
.advisor dl{display:grid;grid-template-columns:auto 1fr;gap:2px 10px;margin:0;font-size:.92rem}
.advisor dt{font-weight:700;color:var(--muted)}
.advisor dd{margin:0}
.advisor a{color:var(--brand);text-decoration:none}
.advisor a:hover{text-decoration:underline}
.ctas{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.ctas a{background:var(--brand);color:#fff;font-weight:600;font-size:.88rem;padding:9px 14px;border-radius:8px;text-decoration:none}
.ctas a:hover{text-decoration:none;filter:brightness(1.08)}
.ctas a.alt{background:transparent;color:var(--brand);border:1px solid var(--brand)}
.company{font-size:.88rem;color:var(--muted);text-align:right;line-height:1.55}
.company strong{color:var(--ink)}
.company .logo{display:inline-block;background:#fff;padding:6px 8px;border-radius:6px;margin-top:10px}
.company .logo img{display:block;height:22px;width:auto}
.espanol{display:inline-block;margin-top:10px;background:var(--brand-soft);color:var(--brand);font-weight:700;padding:4px 10px;border-radius:999px;font-size:.85rem}
@media (max-width:880px){.advisor{grid-template-columns:auto minmax(0,1fr)}.company{grid-column:1/-1;text-align:left;border-top:1px solid var(--line);padding-top:14px}}

/* ---------- compliance footer (mirrors forms.crosscountrymortgage.com) ---------- */
.compliance{background:var(--surface);border-top:1px solid var(--line);margin-top:40px;padding:36px 20px 48px;font-size:.78rem;line-height:1.6;color:var(--muted)}
.compliance .in{max-width:1120px;margin:0 auto}
.compliance .top{display:flex;gap:20px;align-items:flex-start;justify-content:space-between;flex-wrap:wrap;margin-bottom:16px}
.compliance .top .logo{display:inline-block;background:#fff;padding:8px 10px;border-radius:6px;line-height:0}
.compliance .top .logo img{height:26px;width:auto;display:block}
.compliance .top h3{margin:0;font-size:.92rem;color:var(--ink);font-weight:700}
.compliance .top p{margin:2px 0 0}
.compliance .links{display:flex;flex-wrap:wrap;gap:6px 18px;margin:16px 0;padding:14px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.compliance .links a{color:var(--brand);font-weight:600;text-decoration:none}
.compliance .links a:hover{text-decoration:underline}
.compliance .badges{display:flex;flex-wrap:wrap;gap:18px;align-items:center;margin:14px 0;background:var(--navy);padding:14px 18px;border-radius:10px}
.compliance .badges img{height:48px;width:auto}
.compliance h4{margin:18px 0 6px;font-size:.86rem;color:var(--ink)}
.compliance p{margin:0 0 10px}
.compliance .ny{font-weight:700;color:var(--ink)}
.compliance .caps{text-transform:uppercase;letter-spacing:.01em}

/* flash messages (magic-link landing states) */
.flash{max-width:1120px;margin:14px auto 0;padding:10px 14px;border-radius:10px;background:var(--warn-soft);color:var(--warn);font-weight:600;font-size:.92rem}
.flash.ok{background:var(--good-soft);color:var(--good)}
@media (max-width:1160px){.flash{margin-left:20px;margin-right:20px}}