:root{--navy:#073b63;--navy2:#032e4d;--green:#08a66c;--ink:#11324d;--pale:#eef8fc;--line:#dce8ef}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,Arial,sans-serif;color:var(--ink);background:#fff}a{color:inherit}.top{height:76px;display:flex;align-items:center;gap:26px;padding:0 max(4vw,24px);border-bottom:1px solid #e9eef2;position:sticky;top:0;background:#fffc;backdrop-filter:blur(12px);z-index:10}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-size:19px;line-height:.95;color:var(--navy)}.mark{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:#e6f8f1;color:var(--green);font-size:26px}.top nav{display:flex;gap:22px;margin-left:auto}.top nav a{text-decoration:none;font-size:14px;font-weight:700}.btn{display:inline-block;border:0;border-radius:12px;padding:14px 22px;font-weight:800;text-decoration:none;cursor:pointer}.apply,.hero-btn{background:var(--green);color:white}.menu{display:none;margin-left:auto;border:0;background:none;font-size:24px}.hero{min-height:470px;background-image:linear-gradient(90deg,#032e4d 0%,#073b63 39%,rgba(7,59,99,.88) 48%,rgba(7,59,99,.24) 67%,rgba(3,46,77,.06) 100%),url("hero-homebuyers.jpg");background-size:cover;background-position:center right;background-repeat:no-repeat;display:flex;align-items:center;padding:50px max(5vw,32px);color:#fff}.hero-copy{max-width:630px;position:relative;z-index:1}.eyebrow{font-size:12px;font-weight:900;letter-spacing:.11em;text-transform:uppercase}.green{color:var(--green)}h1{font-size:clamp(44px,6vw,76px);line-height:.98;margin:12px 0 18px;letter-spacing:-.04em}h2{font-size:clamp(30px,3vw,42px);line-height:1.05;margin:8px 0 12px;letter-spacing:-.03em}h3{font-size:20px;line-height:1.05}.hero-copy>p:not(.eyebrow){font-size:20px;line-height:1.5;max-width:560px}.hero small{display:block;margin-top:10px}.states{display:grid;grid-template-columns:1.5fr repeat(7,1fr);align-items:center;gap:8px;padding:20px max(4vw,24px);background:#f5fbfe;border-bottom:1px solid var(--line)}.states a{text-align:center;text-decoration:none;font-weight:800;color:var(--navy)}.states small{display:block;color:#718697}.section{padding:60px max(4vw,34px);max-width:1500px;margin:auto}.cards{display:grid;gap:18px;margin-top:28px}.four{grid-template-columns:repeat(4,1fr)}.five{grid-template-columns:repeat(5,1fr)}.cards article{border:1px solid var(--line);border-radius:14px;padding:24px;background:#fff;box-shadow:0 8px 24px #0b45600a}.cards article a{color:#0871c7;font-weight:800}.icon{width:50px;height:50px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:white;font-weight:900}.split{display:grid;grid-template-columns:1.2fr .8fr;gap:22px}.feature{padding:38px;border-radius:18px;min-height:290px}.light{background:linear-gradient(135deg,#f1fbff,#fff)}.darkbox{background:linear-gradient(135deg,var(--navy),#00527e);color:#fff}.dark{background:var(--navy);color:#fff}.white{background:white;color:var(--navy)}.tools{display:grid;grid-template-columns:.7fr 1.3fr;gap:30px;background:var(--pale);max-width:none}.toolgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.toolgrid>*{min-height:130px;border:1px solid #e3edf2;border-radius:12px;background:#fff;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;text-align:center;text-decoration:none;font-size:28px;color:var(--navy)}.toolgrid b{font-size:14px}.local{display:grid;grid-template-columns:1fr 1fr;gap:30px}.pills{display:flex;gap:10px;flex-wrap:wrap;align-content:center}.pills span{border:1px solid var(--navy);padding:10px 14px;border-radius:999px;font-weight:800}.cta{padding:28px max(4vw,34px);background:var(--navy);color:white;display:flex;justify-content:space-between;align-items:center}.cta h2{font-size:26px}footer{background:var(--navy2);color:#dcecf5;padding:34px max(4vw,34px);display:flex;gap:30px;align-items:center}footer p{max-width:900px;font-size:12px;line-height:1.6}dialog{border:0;border-radius:18px;padding:30px;width:min(560px,92vw);box-shadow:0 30px 80px #0005}dialog::backdrop{background:#001b2caa}.close{float:right;border:0;background:none;font-size:30px;cursor:pointer}#calcForm{display:grid;grid-template-columns:1fr 1fr;gap:14px}label{font-weight:700;font-size:13px}input{width:100%;padding:12px;border:1px solid #ccdce5;border-radius:8px;margin-top:6px}#result{margin-top:20px;padding:18px;border-radius:12px;background:#eef8fc;font-size:18px}.muted{color:#627786}@media(max-width:900px){.top nav{display:none}.menu{display:block}.top .apply{display:none}.hero{background-position:62% center;min-height:520px}.states{grid-template-columns:repeat(2,1fr)}.states>div{grid-column:1/-1}.four,.five,.split,.tools,.local{grid-template-columns:1fr 1fr}.toolgrid{grid-template-columns:1fr 1fr}}@media(max-width:620px){.top{height:68px;padding:0 18px}.hero{padding:38px 20px;background-position:68% center}.hero-copy{background:#063b63d9;padding:22px;border-radius:16px}h1{font-size:43px}.section{padding:44px 20px}.four,.five,.split,.tools,.local{grid-template-columns:1fr}.states{padding:18px}.toolgrid{grid-template-columns:1fr 1fr}.cta,footer{flex-direction:column;align-items:flex-start}.cta .btn{width:100%;text-align:center}#calcForm{grid-template-columns:1fr}}

.pagehero{background:linear-gradient(135deg,var(--navy2),var(--navy));color:#fff;padding:80px max(6vw,34px)}.pagehero>div{max-width:900px}.pagehero h1{max-width:850px}.pagehero p:not(.eyebrow){font-size:20px;line-height:1.55;max-width:780px}.two{grid-template-columns:repeat(2,1fr)}.article{max-width:1100px}.article .cards article{padding:30px}.notice{margin-top:28px;padding:20px 22px;background:#f7fafc;border-left:4px solid var(--green);line-height:1.6}.pills a{border:1px solid var(--navy);padding:10px 14px;border-radius:999px;font-weight:800;text-decoration:none}.cards article>a{display:inline-block;margin-top:8px}@media(max-width:620px){.two{grid-template-columns:1fr}.pagehero{padding:58px 20px}}

.citylinks{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:24px}.citylinks a{padding:14px 16px;border:1px solid var(--line);border-radius:10px;text-decoration:none;font-weight:800;background:#fff}.calcpage{max-width:1000px}.calcgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;padding:28px;border:1px solid var(--line);border-radius:16px;background:#f8fcfe}.calcgrid select{width:100%;padding:12px;border:1px solid #ccdce5;border-radius:8px;margin-top:6px;background:#fff}.calcgrid button{align-self:end}.resultbox{margin-top:22px;padding:24px;border-radius:14px;background:var(--navy);color:#fff;font-size:18px;line-height:1.6}.resultbox strong{font-size:30px}@media(max-width:900px){.citylinks{grid-template-columns:repeat(2,1fr)}}@media(max-width:620px){.citylinks,.calcgrid{grid-template-columns:1fr}}