:root{--ink:#17364d;--ink2:#24465c;--muted:#687d88;--gold:#cf995c;--gold-light:#f7e6cf;--paper:#fffdf9;--cream:#f8f5ef;--line:#e5e9e6;--teal:#275e60;--white:#fff;--radius:20px;--shadow:0 16px 55px rgba(23,54,77,.09)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font:16px/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,"Apple SD Gothic Neo","Malgun Gothic",sans-serif;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button{cursor:pointer}svg,img{max-width:100%}img{display:block}h1,h2,h3{line-height:1.18;letter-spacing:-.037em;margin:0}p{margin:0}section{scroll-margin-top:108px}.container{width:min(1190px,calc(100% - 56px));margin:auto}.eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--teal);text-transform:uppercase;letter-spacing:.16em;font-size:11px;font-weight:800}.eyebrow:before{content:"";display:inline-block;width:19px;height:2px;background:var(--gold)}h1{font-size:clamp(42px,5vw,72px);font-weight:750;max-width:720px}h2{font-size:clamp(30px,3.1vw,47px);font-weight:740}h3{font-size:22px}.lede{font-size:18px;color:#607784;line-height:1.8}.topbar{background:#132f43;color:#e6edf0;font-size:12px}.topbar .container{display:flex;justify-content:space-between;align-items:center;min-height:34px;gap:15px}.topbar a:hover{text-decoration:underline}.topbar .dot{color:#d7a165;padding:0 8px}.site-head{background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50;backdrop-filter:blur(12px)}.head-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:87px}.brand{display:block;flex-shrink:0}.brand img{width:245px;height:auto}.site-nav{display:flex;align-items:center;gap:26px}.site-nav a{font-weight:650;font-size:14px;color:#29475b;white-space:nowrap}.site-nav a:hover,.site-nav a[aria-current="page"]{color:#b98446}.nav-actions{display:flex;align-items:center;gap:11px}.lang-btn{background:#f2f5f4;color:var(--ink);border:1px solid #e0e7e4;border-radius:99px;padding:10px 13px;font-weight:750;font-size:12px;white-space:nowrap}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border-radius:8px;padding:15px 23px;min-height:51px;background:var(--ink);border:1px solid var(--ink);color:#fff;font-size:14px;font-weight:750;line-height:1.2;transition:transform .2s ease,background .2s ease,box-shadow .2s ease}.btn:hover{transform:translateY(-2px);background:#27516a;box-shadow:0 9px 20px #17364d21}.btn.gold{background:var(--gold);border-color:var(--gold);color:#1e3240}.btn.gold:hover{background:#dfae72}.btn.outline{background:transparent;color:var(--ink);border-color:#b3c1c7}.btn.outline:hover{background:#fff}.btn.white{background:#fff;color:var(--ink);border-color:#fff}.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:9px;padding:8px 11px;color:var(--ink);font-size:24px;line-height:1}.hero{background:linear-gradient(133deg,#fffdf9 0%,#f5f3ed 100%);overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;align-items:center;gap:44px;min-height:632px;padding:60px 0}.hero h1{margin:22px 0 23px}.hero h1 em{font-style:normal;color:#b78147}.hero .lede{max-width:590px}.hero-actions{display:flex;align-items:center;gap:13px;flex-wrap:wrap;margin-top:29px}.hero-meta{display:flex;gap:20px;flex-wrap:wrap;margin-top:32px;color:#59717e;font-size:13px}.hero-meta > span:before{content:"✓";color:#3c8a75;font-weight:900;margin-right:8px}.hero-visual{position:relative}.hero-visual>img{width:100%;border-radius:28px;box-shadow:var(--shadow)}.floating-tag{position:absolute;right:-12px;bottom:35px;background:#fff;border-radius:14px;box-shadow:0 16px 42px #193f4f30;padding:19px 23px;max-width:235px}.floating-tag strong{font-size:13px;display:block;line-height:1.3}.floating-tag small{display:block;color:var(--muted);margin-top:5px}.tag-icon{display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:#f5e7d7;color:var(--ink);margin-bottom:8px}.strip{background:var(--ink);color:#fff}.strip-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;min-height:105px}.strip-text{font-size:19px;font-weight:650;letter-spacing:-.02em}.strip-sub{font-size:13px;color:#d1dce0}.section-pad{padding:94px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:22px;margin-bottom:34px}.section-head .intro{max-width:585px}.section-head h2{margin-top:14px}.section-head p{color:var(--muted);margin-top:14px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.service-card{background:#fff;border:1px solid var(--line);border-radius:17px;padding:30px;min-height:278px;transition:transform .25s,box-shadow .25s}.service-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}.service-icon{background:#f5eee3;color:#b8874e;width:51px;height:51px;display:grid;place-items:center;border-radius:13px;font-size:24px;margin-bottom:22px}.service-card h3{font-size:21px}.service-card p{margin-top:10px;color:var(--muted);font-size:14px;line-height:1.75}.text-link{display:inline-flex;gap:8px;align-items:center;margin-top:20px;color:#1d6570;font-weight:760;font-size:13px}.text-link:after{content:"→";font-size:18px}.pale{background:var(--cream)}.why-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:65px;align-items:center}.why-panel{background:#17364d;border-radius:22px;padding:47px;color:#fff;position:relative;overflow:hidden}.why-panel:after{content:"";position:absolute;width:260px;height:260px;border:45px solid #ffffff0b;border-radius:50%;right:-120px;bottom:-140px}.why-panel .eyebrow{color:#dbad79}.why-panel h2{margin:22px 0 18px}.why-panel p{color:#d9e4e8;line-height:1.8}.why-panel a{display:inline-block;margin-top:26px;color:#e7bc88;font-weight:750}.why-items{display:grid;gap:25px}.why-item{display:flex;align-items:flex-start;gap:18px}.number{background:#e9eee9;border-radius:12px;display:grid;place-items:center;flex:none;width:43px;height:43px;color:#396c6f;font-weight:800}.why-item h3{font-size:18px}.why-item p{color:var(--muted);font-size:14px;margin-top:6px}.calc-layout{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:stretch}.calculator{border:1px solid var(--line);box-shadow:var(--shadow);background:white;padding:36px;border-radius:21px}.calculator h3{margin-bottom:22px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:19px}.field label{display:block;font-size:12px;font-weight:760;margin-bottom:7px;color:#476271}.field input,.field select{width:100%;min-width:0;border:1px solid #d4dedc;border-radius:9px;background:#fbfcfb;padding:12px 13px;color:#19394c;font-size:15px;outline-offset:2px}.field input:focus,.field select:focus{outline:2px solid #8faeaf}.calc-result{border-radius:21px;padding:39px;background:var(--ink);color:white;display:flex;flex-direction:column;justify-content:center}.calc-result .sub{color:#cbd8dc;font-size:14px}.big-total{font-size:clamp(42px,5vw,65px);letter-spacing:-.06em;font-weight:760;margin:14px 0 18px;line-height:1.1}.calc-list{border-top:1px solid #ffffff2c;margin-top:23px;padding-top:19px}.calc-line{display:flex;align-items:center;justify-content:space-between;gap:15px;margin:9px 0;color:#c7d8dc;font-size:14px}.calc-line b{color:#fff}.disclaimer{font-size:12px;color:#7a8c94;line-height:1.7;margin-top:18px}.calc-result .disclaimer{color:#cbd7d8}.cta-banner{background:linear-gradient(110deg,#18394f,#254f62);padding:64px 0;color:#fff}.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:24px}.cta-inner h2{max-width:630px;font-size:clamp(28px,3vw,44px)}.cta-inner p{color:#cbdde0;margin-top:13px}.footer{background:#112b3d;color:#e7eef0;padding:68px 0 24px}.footer-grid{display:grid;grid-template-columns:1.4fr .85fr 1fr;gap:65px;padding-bottom:43px}.footer .foot-brand{font-size:22px;font-weight:800;letter-spacing:-.03em}.footer h4{font-size:13px;text-transform:uppercase;letter-spacing:.12em;color:#dcb381;margin:0 0 17px}.footer p,.footer a{color:#bfd0d8;font-size:13px;line-height:1.9}.footer a:hover{color:#fff;text-decoration:underline}.footer ul{padding:0;margin:0;list-style:none}.footer li+li{margin-top:7px}.fine{border-top:1px solid #315063;padding-top:18px;display:flex;justify-content:space-between;gap:25px;align-items:flex-start;color:#b5c7d0;font-size:11.5px;line-height:1.7}.fine a{text-decoration:underline}.page-hero{background:linear-gradient(130deg,#f7f4ed,#eef5f2);padding:76px 0 72px}.page-hero h1{font-size:clamp(39px,4.5vw,64px);margin:17px 0}.page-hero .lede{max-width:740px}.page-hero .hero-actions{margin-top:25px}.content-narrow{max-width:870px}.content-narrow p,.content-narrow li{color:#5d7581;line-height:1.9}.content-narrow h2{font-size:27px;margin:33px 0 13px}.content-narrow h3{font-size:19px;margin:25px 0 12px}.content-narrow a{color:#176f80;text-decoration:underline}.info-box{background:#f4f7f5;border-left:4px solid var(--teal);border-radius:7px;padding:21px 24px;color:#405a66;margin:21px 0}.program-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.program{padding:29px;border:1px solid var(--line);border-radius:16px;background:#fff}.program h3{font-size:20px}.program p{margin-top:9px;font-size:14px;color:var(--muted)}.contact-wrap{display:grid;grid-template-columns:.95fr 1.05fr;gap:30px}.contact-card{border:1px solid var(--line);border-radius:18px;padding:34px;background:#fff}.contact-card h3{margin-bottom:20px}.contact-row{margin:20px 0}.contact-row small{display:block;color:#748792;text-transform:uppercase;letter-spacing:.09em;font-size:11px;font-weight:800}.contact-row a,.contact-row strong{font-size:19px;color:var(--ink);font-weight:700}.contact-row a:hover{text-decoration:underline}.check-list{padding-left:22px}.check-list li{margin:13px 0;color:#546e7b}.mini-faq details{padding:20px 0;border-bottom:1px solid var(--line)}.mini-faq summary{font-weight:720;cursor:pointer}.mini-faq p{color:var(--muted);margin-top:10px}.note{font-size:12px;color:#71848e}.hide{display:none!important}body[data-site-lang="en"] .ko{display:none!important}body[data-site-lang="ko"] .en{display:none!important}body[data-site-lang="ko"]{word-break:keep-all}body[data-site-lang="ko"] h1,body[data-site-lang="ko"] h2{letter-spacing:-.055em}
@media(max-width:1080px){.site-nav{gap:14px}.site-nav a{font-size:13px}.brand img{width:210px}.head-inner{gap:12px}.nav-actions .btn{padding:13px 15px}.hero-grid{gap:28px}.footer-grid{gap:32px}}
@media(max-width:880px){.menu-toggle{display:block}.head-inner{min-height:76px}.site-nav{display:none;position:absolute;top:75px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:23px 7%;box-shadow:0 20px 28px #12304614;flex-direction:column;align-items:start;gap:19px}.site-nav.open{display:flex}.nav-actions .btn{display:none}.hero-grid{grid-template-columns:1fr;padding:56px 0 82px;min-height:auto}.hero-visual{max-width:640px}.grid-4{grid-template-columns:repeat(2,1fr)}.grid-3,.program-grid{grid-template-columns:repeat(2,1fr)}.why-layout,.calc-layout{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.contact-wrap{grid-template-columns:1fr}.floating-tag{right:12px}}
@media(max-width:600px){.container{width:min(100% - 36px,1190px)}.topbar .container{justify-content:center}.topbar .secondary{display:none}.topbar{font-size:11px}.brand img{width:179px}.head-inner{gap:8px}.lang-btn{padding:8px 10px}.hero-grid{padding:45px 0 66px}.hero h1{font-size:43px}.hero .lede{font-size:16px}.hero-actions .btn{width:100%}.hero-visual{margin-top:10px}.floating-tag{bottom:-19px;right:11px;padding:13px 16px}.strip-inner{flex-direction:column;align-items:flex-start;padding:23px 0;gap:13px}.section-pad{padding:64px 0}.section-head{align-items:start;flex-direction:column}.grid-3,.grid-4,.program-grid{grid-template-columns:1fr}.why-panel{padding:32px}.calculator,.calc-result{padding:25px}.form-grid{grid-template-columns:1fr 1fr;gap:12px}.field label{font-size:11px}.field input,.field select{font-size:14px}.big-total{font-size:48px}.cta-inner{flex-direction:column;align-items:flex-start}.cta-inner .btn{width:100%}.footer-grid{grid-template-columns:1fr;gap:35px}.fine{flex-direction:column;gap:8px}.page-hero{padding:60px 0}.service-card{min-height:0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn,.service-card{transition:none}}


/* V2: Official Brightside logo and palette. */
:root{--ink:#26343d;--ink2:#37454d;--muted:#637680;--gold:#ef2f48;--gold-light:#fff2f2;--paper:#fff;--cream:#f1f9f6;--line:#dfeae6;--teal:#29a886;--mint:#5ac1a3;--red:#ef2545;--white:#fff;--shadow:0 12px 42px rgba(22,75,61,.09)}
body{background:#fff;color:var(--ink)}
.topbar{display:none}
.site-head{border-bottom:1px solid #edf0f0}
.head-inner{min-height:80px;gap:15px}
.brand img{width:230px;height:auto}
.site-nav{gap:19px}
.site-nav a{color:#283745;font-size:13px}
.site-nav a:hover,.site-nav a[aria-current="page"]{color:#168e74}
.lang-btn{background:#eff9f6;border-color:#dfefe9}
.btn{background:var(--red);border-color:var(--red);border-radius:11px;color:white}
.btn:hover{background:#d91a36;border-color:#d91a36}
.btn.gold{background:var(--teal);border-color:var(--teal);color:white}
.btn.gold:hover{background:#158e73;border-color:#158e73}
.btn.outline{border-color:#8dcfbb;color:#243a46;background:rgba(255,255,255,.94)}
.btn.outline:hover{background:#eff8f5;border-color:#34a88c}
.eyebrow{color:#4c6472}
.eyebrow:before{background:var(--teal)}
.hero{background:linear-gradient(95deg,#fff 1%,#f4faf9 70%,#edf9f4 100%)}
.hero-grid{grid-template-columns:1fr 1.10fr;min-height:555px;padding:48px 0;gap:42px}
.hero h1{margin:13px 0 10px;font-size:clamp(47px,5.1vw,73px);line-height:1.02;letter-spacing:-.055em}
.hero h1 em{color:var(--teal)}
.hero-offerings{font-size:17px;font-weight:730;color:#34454e;margin:0 0 11px}
.hero .lede{font-size:16px;line-height:1.65;max-width:560px}
.hero-actions{margin-top:22px}
.hero-actions .btn{min-height:48px}
.hero-meta{margin-top:23px;font-size:12px;gap:14px}
.hero-meta > span:before{color:var(--teal)}
.hero-visual{height:395px}
.hero-visual>img{width:100%;height:100%;object-fit:cover;border-radius:19px;box-shadow:0 12px 38px #1b483c1c}
.floating-tag{max-width:240px;right:-10px;bottom:24px;padding:16px 19px;border:1px solid #e7eeeb;background:rgba(255,255,255,.96)}
.floating-tag .mini-symbol{height:55px;width:55px;object-fit:contain;object-position:left center;margin-bottom:4px}
.floating-tag strong{font-size:15px;line-height:1.35}
.floating-tag small{font-size:11px;line-height:1.5;margin-top:7px}
.license-strip{background:#eaf7f2;color:#233b43}
.license-strip .strip-inner{min-height:70px;gap:26px;justify-content:flex-start}
.license-item{display:flex;align-items:center;gap:10px;padding-right:25px;border-right:1px solid #addfcf}
.license-icon{font-size:32px;line-height:1;color:var(--teal)}
.license-item strong,.license-item small{display:block}
.license-item strong{font-size:13px}
.license-item small{font-size:12px;color:#667f84}
.license-strip p{color:#657781;font-size:12px;margin-left:auto}
.section-pad{padding:73px 0}
.home-programs{background:#fff}
.service-compact{display:grid;grid-template-columns:270px 1fr;gap:36px;align-items:center}
.service-heading h2{font-size:29px;margin:15px 0 12px}
.service-heading p{font-size:13px;color:var(--muted)}
.loan-mini-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px}
.loan-mini-card{min-height:151px;display:flex;flex-direction:column;padding:18px 16px 14px;background:#fff;border:1px solid #e3eeeb;border-radius:12px;box-shadow:0 8px 22px #1a4b3810;position:relative;transition:transform .2s ease,box-shadow .2s ease}
.loan-mini-card:hover{transform:translateY(-3px);box-shadow:0 12px 24px #1a4b381e}
.loan-mini-card .program-icon{color:var(--teal);font-weight:800;font-size:28px;line-height:1.1;margin-bottom:11px}
.loan-mini-card strong{font-size:13px;line-height:1.25;margin-bottom:6px}
.loan-mini-card small{font-size:11px;color:#61757d;line-height:1.4;padding-right:5px}
.loan-mini-card .card-arr{color:var(--teal);position:absolute;right:13px;bottom:12px;font-size:17px}
.home-calc{background:#f5fbf9;padding:54px 0}
.home-calc-grid{display:grid;grid-template-columns:265px 1fr 238px;gap:20px;align-items:stretch}
.home-calc-intro{padding:8px 0}
.home-calc-intro h2{margin:12px 0;font-size:29px}
.home-calc-intro p{color:var(--muted);font-size:13px}
.home-calc-widget{background:#fff;border:1px solid #dcefe9;border-radius:15px;padding:20px}
.home-calc-inputs{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px}
.home-calc .field label{font-size:11px}
.home-calc .field input,.home-calc .field select{padding:11px 10px;font-size:13px;border-color:#dcebe6}
.home-calc .disclaimer{margin-top:12px;font-size:10px}
.home-calc-result{background:#e5f6f0;border-radius:15px;padding:20px 20px;display:flex;flex-direction:column;align-items:flex-start;justify-content:center;color:#243944}
.home-calc-result .result-label{color:#238d74;font-size:12px;font-weight:750}
.home-calc-result .big-total{font-size:clamp(33px,3.5vw,48px);margin:6px 0}
.home-calc-result p{color:#667981;font-size:11px;line-height:1.5}
.home-calc-result a{color:#16846d;text-decoration:underline;font-size:12px;font-weight:700;margin-top:10px}
.why-brightside{background:#fff}
.why-bright-grid{display:grid;grid-template-columns:320px 1fr;align-items:center;gap:30px}
.why-bright-grid h2{font-size:32px;margin:13px 0 12px}
.why-bright-grid p{color:var(--muted);font-size:14px}
.review-replacement-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.review-replacement-card{border:1px solid #e1eee9;border-radius:15px;padding:25px 21px;background:#fff;box-shadow:0 8px 22px #1a4b3810}
.circle-mark{width:45px;height:45px;display:grid;place-items:center;background:#eef8f3;color:var(--teal);font-weight:800;border-radius:50%;font-size:17px;margin-bottom:17px}
.review-replacement-card h3{font-size:17px;margin-bottom:10px}
.review-replacement-card p{font-size:12px;line-height:1.7}
.cta-banner{background:#e8f8f2;color:#26343d;padding:39px 0}
.cta-inner h2{font-size:31px}
.cta-inner p{color:#617780}
.cta-actions{display:flex;gap:15px;align-items:center;flex-wrap:wrap}
.cta-actions .btn{min-width:155px}
.footer{background:#24353b}
.footer h4{color:#73d2b5}
.footer .fine{border-color:#526266}
.footer .foot-brand{color:#a7ecd3}
.page-hero{background:linear-gradient(130deg,#f6fbf9,#eaf7f2)}
.service-icon{background:#edf9f3;color:var(--teal)}
.why-panel,.calc-result{background:#25443d}
.why-panel .eyebrow,.why-panel a{color:#abecd7}
.number{background:#eaf6f0;color:#219679}
.strip:not(.license-strip){background:#2a9d7b}
.field input:focus,.field select:focus{outline:2px solid #8fcfba}
.content-narrow a{color:#158b72}
@media(max-width:1220px){.head-inner{gap:12px}.site-nav{gap:11px}.site-nav a{font-size:12px}.brand img{width:185px}.service-compact{grid-template-columns:240px 1fr}.home-calc-grid{grid-template-columns:225px 1fr 200px}}
@media(max-width:1020px){.home-calc-grid{grid-template-columns:1fr 1fr}.home-calc-intro{grid-column:1/-1}.service-compact,.why-bright-grid{grid-template-columns:1fr}.loan-mini-grid{grid-template-columns:repeat(4,minmax(0,1fr))}.home-hero .hero-grid{gap:24px}.floating-tag{right:8px}.license-strip p{display:none}}
@media(max-width:880px){.head-inner{min-height:74px}.site-nav{top:73px}.hero-grid{grid-template-columns:1fr;padding:47px 0}.hero-visual{height:390px}.home-calc-grid{grid-template-columns:1fr}.home-calc-intro{grid-column:auto}.loan-mini-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:600px){.brand img{width:185px}.container{width:min(100% - 36px,1190px)}.hero h1{font-size:46px}.hero .lede{font-size:15px}.hero-visual{height:290px}.floating-tag{right:8px;bottom:8px;max-width:175px;padding:11px}.floating-tag .mini-symbol{width:34px;height:34px;margin-bottom:2px}.floating-tag strong{font-size:12px}.floating-tag small{font-size:9px}.hero-meta{gap:10px}.license-strip .strip-inner{min-height:67px;gap:9px;align-items:center;flex-direction:row;padding:10px 0}.license-item{padding-right:10px;gap:5px}.license-item strong{font-size:10px}.license-item small{font-size:10px}.license-icon{font-size:22px}.section-pad{padding:59px 0}.loan-mini-grid{grid-template-columns:repeat(2,1fr);gap:10px}.loan-mini-card{min-height:142px}.home-calc-inputs{grid-template-columns:repeat(2,minmax(0,1fr))}.review-replacement-grid{grid-template-columns:1fr}.cta-actions{width:100%;flex-direction:column;align-items:stretch}.cta-actions .btn{width:100%}.service-heading h2,.home-calc-intro h2,.why-bright-grid h2{font-size:30px}}

/* V3 — portrait, public Google review link and expanded calculators. */
.home-calc-widget,.refi-form{display:flex;flex-direction:column;justify-content:center}
.name-phone{display:inline-block;margin-left:12px;color:#0c9479;font-weight:750;text-decoration:underline;text-underline-offset:3px;white-space:nowrap}
.name-phone:hover{color:#d92343}
.home-calc-split{display:grid;grid-template-columns:1fr 1fr;gap:9px;border-top:1px solid #baddd0;padding:10px 0 2px;width:100%}
.home-calc-split>div{display:flex;flex-direction:column;gap:2px}
.home-calc-split span{font-size:10px;line-height:1.35;color:#526d69}
.home-calc-split strong{font-size:18px;color:#1e5147}
.about-photo-layout{display:grid;grid-template-columns:minmax(260px,.76fr) 1.24fr;gap:clamp(26px,5vw,80px);align-items:center;margin-bottom:10px}
.about-photo{margin:0;background:#eff9f5;border:1px solid #d7eee4;border-radius:24px;overflow:hidden;box-shadow:0 13px 42px #1a4b3816}
.about-photo img{display:block;width:100%;height:auto;aspect-ratio:484/708;object-fit:cover}
.about-photo figcaption{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:15px 23px;background:#e4f5ee;font-size:14px}
.about-photo figcaption span{font-size:11px;color:#596f71}
.about-photo-text h2{margin:15px 0 20px;font-size:clamp(34px,3.5vw,49px)}
.about-photo-text p{color:#5c737d;max-width:590px;margin-top:15px;line-height:1.85}
.about-photo-text .about-experience{font-weight:650;color:#248970}
.about-photo-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}
.google-review-section{padding-top:0}
.google-review-panel{display:grid;grid-template-columns:1.4fr .76fr;gap:32px;align-items:center;background:linear-gradient(115deg,#f3fbf7,#fff);border:1px solid #dbeee5;border-radius:24px;padding:40px 45px}
.google-review-panel h2{margin:14px 0 14px;font-size:clamp(29px,3.3vw,43px)}
.google-review-panel p{color:#637981;font-size:14px;margin-top:11px}
.google-review-panel .reviews-updated{font-size:12px;color:#819094}
.google-review-score{text-align:center;border-left:1px solid #d7e9e1;padding-left:30px}
.google-wordmark{font-size:25px;font-weight:750;letter-spacing:-.04em;color:#4285f4}
.google-wordmark span{color:#394851;font-weight:600}
.google-stars{font-size:31px;letter-spacing:4px;color:#f5ac1b;white-space:nowrap}
.google-review-score>strong{font-size:46px;line-height:1.1;display:block;color:#283d40}
.google-review-score>strong small{font-size:20px;color:#718081}
.google-review-score p{margin:7px 0 18px;font-size:12px}
.google-review-score .btn{width:100%;max-width:230px}
.program-footnote{margin-top:16px!important;font-size:12px!important;color:#586c71!important}
.program-footnote a{text-decoration:underline;color:#159678}
#reverse-mortgage{scroll-margin-top:95px;border-color:#98d9c5;background:#f7fcf9}
.calc-line-emphasis{padding-left:12px;border-left:3px solid #82d8b9;color:#ecf8f2}
.split-explanation{font-size:12px;line-height:1.6;margin-top:18px;color:#c7ded5}
.refinance-calculator-section{background:#f4faf7;border-top:1px solid #e0eee8}
.refi-head{margin-bottom:25px}
.refi-head h2{max-width:920px}
.refi-head p{max-width:820px}
.refi-grid{display:grid;grid-template-columns:.89fr 1.11fr;gap:28px;align-items:stretch}
.refi-form{box-shadow:0 9px 30px #1a4b3810}
.refi-output{background:white;border:1px solid #d9eee4;border-radius:22px;padding:33px;box-shadow:0 9px 30px #1a4b3810}
.refi-compare-head{display:flex;justify-content:space-between;align-items:center;gap:9px;margin-bottom:17px}
.refi-compare-head h3{font-size:21px}
.refi-compare-head small{font-size:11px;color:#668279}
.refi-comparison{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:25px}
.refi-column{display:flex;flex-direction:column;gap:3px;background:#f2f6f4;border:1px solid #e0e9e5;border-radius:13px;padding:22px 19px}
.refi-column-highlight{background:#e1f6ec;border-color:#a8dfc7}
.refi-label{font-size:13px;font-weight:730;color:#42645c}
.refi-column strong{font-size:clamp(28px,2.7vw,40px);line-height:1.15;letter-spacing:-.045em;color:#263e40}
.refi-column small{font-size:11px;color:#6f827e}
.refi-metric{display:flex;justify-content:space-between;align-items:start;gap:12px;border-bottom:1px solid #e5eeeb;padding:13px 1px;color:#566b70;font-size:14px}
.refi-metric strong{color:#253f3d;font-size:16px;text-align:right;white-space:nowrap}
.refi-emphasis{color:#0f8064;font-weight:760}
.refi-emphasis strong{font-size:19px;color:#087e61}
.refi-insight{padding:16px 19px;border-radius:12px;background:#e9f8ef;color:#205a46;font-weight:650;font-size:13px;line-height:1.6;margin-top:22px}
.refi-insight.negative{background:#fff2f0;color:#9f3335}
.refi-output>.disclaimer{font-size:11px;margin:18px 0 20px}
.refi-warning{color:#b4233d;font-weight:700;font-size:13px;margin-top:14px}
.refi-cta{padding-top:50px;padding-bottom:50px;text-align:left;background:#fff}
.refi-cta h2{margin:14px 0;font-size:clamp(26px,3vw,38px)}
.refi-cta p{color:#5e7179;max-width:680px;margin-bottom:21px}
@media(max-width:900px){.about-photo-layout,.google-review-panel,.refi-grid{grid-template-columns:1fr}.about-photo{max-width:410px;margin:auto}.google-review-score{border-left:0;border-top:1px solid #d7e9e1;padding:24px 0 0}.refi-form,.refi-output{padding:25px}}
@media(max-width:600px){.license-strip .strip-inner{flex-wrap:wrap;justify-content:center}.name-phone{display:block;margin-left:0;font-size:11px}.license-item strong{line-height:1.3}.about-photo-actions{flex-direction:column}.about-photo-actions .btn{width:100%}.google-review-panel{padding:25px 21px}.refi-comparison{gap:7px}.refi-column{padding:13px 11px}.refi-column strong{font-size:26px}.refi-output{padding:20px 16px}.refi-compare-head{flex-direction:column;align-items:start}.refi-metric{font-size:12px}.refi-metric strong{font-size:13px}.refi-emphasis strong{font-size:16px}.refi-head h2{font-size:31px}.home-calc-split strong{font-size:17px}}

/* V4 — Google reviews on homepage, simplified P&I and full side-by-side refinance comparisons. */
.home-google-section{background:linear-gradient(180deg,#f4faf7 0%,#fff 100%);padding-top:65px;padding-bottom:68px}
.home-google-panel{box-shadow:0 13px 34px #1b705016}
.home-google-copy p{max-width:640px}
.review-highlights{display:inline-block;border-left:3px solid #2aa687;padding:9px 0 9px 15px;color:#39826b;font-size:13px;font-weight:650;margin-top:18px}
.home-calc-combined{border-top:1px solid #baddd0;padding-top:10px;margin:9px 0;display:flex;justify-content:space-between;gap:10px;align-items:center;width:100%}
.home-calc-combined span{color:#60726a;font-size:11px}
.home-calc-combined strong{font-size:18px;color:#1d6750;white-space:nowrap}
.refi-grid{display:block}
.refi-form{margin-bottom:25px;padding:30px}
.refi-form .form-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:15px}
.refi-form .field label{min-height:39px}
.refi-form .disclaimer{max-width:1000px}
.refi-output{padding:37px}
.refi-compare-head{margin-bottom:27px}
.refi-compare-head h3{margin-top:8px;font-size:27px}
.refi-compare-head small{text-align:right}
.refi-cards{gap:23px;margin-bottom:30px}
.refi-cards .refi-column{padding:25px 28px;border-radius:19px;background:#f4f7f6;border-color:#deeae5}
.refi-cards .refi-column-highlight{background:#e9f8ef;border:2px solid #78c9a8}
.refi-cards .refi-column strong{font-size:clamp(33px,3.2vw,48px);margin:7px 0 3px}
.refi-facts{margin-top:21px;padding-top:13px;border-top:1px solid #cbded5}
.refi-facts>div{display:flex;align-items:center;justify-content:space-between;gap:10px;min-height:45px;border-bottom:1px solid #dee7e3}
.refi-facts>div:last-child{border:0}
.refi-facts span{color:#526b6b;font-size:13px;line-height:1.4}
.refi-facts b{color:#183e37;font-size:15px;white-space:nowrap}
.refi-benefit-heading h3{font-size:23px;margin:0 0 5px}
.refi-benefit-heading p{color:#647982;font-size:13px}
.refi-benefits{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:19px 0 19px}
.refi-benefit{display:flex;flex-direction:column;justify-content:space-between;gap:6px;padding:19px;border-radius:13px;background:#e7f8ef;border:1px solid #cae6d7;min-height:155px}
.refi-benefit>span{font-size:12px;color:#477367;font-weight:700}
.refi-benefit strong{font-size:clamp(23px,2.1vw,33px);color:#0d8363;line-height:1.18;letter-spacing:-.04em}
.refi-benefit small{color:#427666;font-size:11px}
.refi-benefit.negative{background:#fff3f1;border-color:#f3d4d0}
.refi-benefit.negative strong{color:#b33340}
.refi-benefit.negative small{color:#99555b}
.refi-equity-strip{display:grid;grid-template-columns:1fr 1fr;gap:20px;background:#f5f9f8;border:1px solid #e1ece7;border-radius:12px;padding:19px 23px}
.refi-equity-strip>div{display:flex;flex-direction:column;gap:4px}
.refi-equity-strip span{font-size:12px;color:#58726a}
.refi-equity-strip strong{font-size:20px;color:#295b4c}
.refi-insight{font-size:14px;margin-top:20px}
.refi-consult{margin-top:5px}
@media(max-width:1100px){.refi-form .form-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.refi-benefits{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:720px){.refi-form .form-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.refi-cards{grid-template-columns:1fr;gap:14px}.refi-output{padding:20px}.refi-benefits{grid-template-columns:repeat(2,minmax(0,1fr))}.refi-compare-head small{text-align:left}.refi-equity-strip{grid-template-columns:1fr}.home-google-section{padding:55px 0}}
@media(max-width:420px){.refi-form .form-grid{grid-template-columns:1fr}.refi-form .field label{min-height:0}.refi-benefits{grid-template-columns:1fr}.refi-facts span{font-size:12px}.refi-facts b{font-size:13px}.refi-benefit{min-height:110px}.refi-cards .refi-column{padding:22px 18px}}

/* V5 – Original-loan based refinance scenario, and streamlined officer ID strip */
.license-strip .strip-inner{justify-content:flex-start;gap:clamp(28px,7vw,100px)}
.refi-form .form-grid{grid-template-columns:repeat(4,minmax(0,1fr))}
.refi-estimated-balance{background:linear-gradient(105deg,#eaf8f1,#f3fbf7);border:1px solid #bce5d4;border-radius:13px;padding:17px 21px;display:flex;justify-content:space-between;align-items:center;gap:20px;margin-top:20px}
.refi-estimated-balance>div>span{display:block;color:#276e58;font-size:14px;font-weight:750}
.refi-estimated-balance small{display:block;color:#668579;font-size:11px;margin-top:3px}
.refi-estimated-balance strong{font-size:clamp(23px,2.4vw,32px);color:#116d54;white-space:nowrap}
@media(max-width:1100px){.refi-form .form-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:720px){.refi-form .form-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.refi-estimated-balance{flex-wrap:wrap;gap:8px}}
@media(max-width:420px){.refi-form .form-grid{grid-template-columns:1fr}}