@import"https://fonts.googleapis.com/css2?family=Libre+Franklin:wght@400;500;600;700;800&family=Source+Serif+4:opsz,wght@8..60,600;8..60,700&display=swap";:root{font-family:Libre Franklin,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;color:#182535;background:#f5f7f8;font-synthesis:none;text-rendering:optimizeLegibility}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;min-width:320px}button,input,select,textarea{font:inherit}button,a{-webkit-tap-highlight-color:transparent}a{color:inherit}.site{--navy: #16385f;--navy-dark: #0c2949;--blue: #2b638f;--red: #9e3d3d;--ink: #182535;--muted: #5e6976;--line: #d5dce2;--soft: #edf2f5;--paper: #ffffff;min-height:100vh;overflow:hidden}.serviceNotice{min-height:34px;padding:7px max(24px,calc((100vw - 1180px)/2));display:flex;justify-content:space-between;gap:16px;background:var(--navy-dark);color:#eaf1f7;font-size:12px;line-height:1.4}.siteHeader{width:min(1180px,calc(100% - 48px));min-height:82px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:28px;background:var(--paper)}.site:before{content:"";position:absolute;top:34px;left:0;right:0;height:82px;z-index:-1;background:var(--paper);border-bottom:1px solid var(--line)}.brand{display:flex;align-items:center;gap:12px;text-decoration:none}.brandMark{width:50px;height:42px;display:grid;place-items:center;background:var(--navy);color:#fff;border-bottom:4px solid var(--red);font-family:"Source Serif 4",Georgia,serif;font-size:17px;font-weight:700}.brand>span:last-child{display:grid;gap:2px}.brand strong{font-family:"Source Serif 4",Georgia,serif;font-size:21px;line-height:1}.brand small{color:var(--muted);font-size:10px;font-weight:600}.siteHeader nav{display:flex;align-items:center;gap:26px}.siteHeader nav a{font-size:13px;font-weight:700;text-decoration:none}.siteHeader nav a:hover{color:var(--blue)}.siteHeader .navCta{min-height:42px;padding:0 16px;display:inline-flex;align-items:center;background:var(--navy);color:#fff}.siteHeader .navCta:hover{background:var(--navy-dark);color:#fff}.hero{width:min(1180px,calc(100% - 48px));min-height:610px;margin:0 auto;padding:40px 0 48px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));align-items:center;gap:58px}.eyebrow{margin:0 0 14px;color:var(--red);font-size:12px;font-weight:800;line-height:1.4;text-transform:uppercase}h1,h2,h3{font-family:"Source Serif 4",Georgia,serif;letter-spacing:0}h1{max-width:650px;margin:0;color:var(--navy-dark);font-size:clamp(44px,4.7vw,64px);line-height:1.02}h2{margin:0;color:var(--navy-dark);font-size:clamp(34px,4vw,50px);line-height:1.08}h3{margin:0;color:var(--navy-dark);font-size:23px;line-height:1.2}.lede{max-width:690px;margin:24px 0 0;color:var(--muted);font-size:18px;line-height:1.7}.actions{display:flex;align-items:center;flex-wrap:wrap;gap:18px;margin-top:30px}.primaryButton{min-height:50px;padding:0 22px;border:1px solid var(--navy);border-radius:3px;display:inline-flex;align-items:center;justify-content:center;background:var(--navy);color:#fff;font-weight:800;text-decoration:none;cursor:pointer}.primaryButton:hover{background:var(--navy-dark);border-color:var(--navy-dark)}.primaryButton:focus-visible,.textButton:focus-visible,button:focus-visible,a:focus-visible{outline:3px solid #76a7d1;outline-offset:3px}.primaryButton:disabled{cursor:wait;opacity:.7}.textButton,.chatLink{border:0;padding:8px 0;background:transparent;color:var(--navy);font-weight:800;cursor:pointer}.textButton span{margin-left:7px}.assuranceList{margin:32px 0 0;padding:18px 0 0;display:flex;flex-wrap:wrap;gap:8px 24px;border-top:1px solid var(--line);list-style:none}.assuranceList li{position:relative;padding-left:16px;color:var(--muted);font-size:12px;font-weight:700}.assuranceList li:before{content:"";position:absolute;left:0;top:5px;width:6px;height:6px;background:var(--red)}.heroMedia{position:relative;min-width:0;margin:0}.heroMedia:before{content:"";position:absolute;top:-14px;right:-14px;width:34%;height:42%;border-top:4px solid var(--red);border-right:4px solid var(--red);z-index:1}.heroMedia img{width:100%;height:auto;aspect-ratio:1.22;display:block;object-fit:cover;object-position:63% center;filter:saturate(.82) contrast(1.02)}.heroMedia figcaption{position:absolute;left:-24px;right:32px;bottom:-24px;padding:18px 20px;background:var(--navy-dark);color:#fff;font-family:"Source Serif 4",Georgia,serif;font-size:16px;line-height:1.4}.topicBar{padding:46px max(24px,calc((100vw - 1180px)/2));display:grid;grid-template-columns:.7fr 1.3fr;align-items:end;gap:50px;background:var(--navy);color:#fff}.topicBar h2{color:#fff;font-size:34px}.topicBar .eyebrow{color:#dca7a7}.topicButtons{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid rgba(255,255,255,.3);border-left:1px solid rgba(255,255,255,.3)}.topicButtons a{min-height:58px;padding:12px 15px;display:flex;align-items:center;justify-content:space-between;gap:12px;border:0;border-right:1px solid rgba(255,255,255,.3);border-bottom:1px solid rgba(255,255,255,.3);background:transparent;color:#fff;font-size:13px;font-weight:700;text-align:left;text-decoration:none;cursor:pointer}.topicButtons a:hover{background:#ffffff1a}.overview{width:min(1180px,calc(100% - 48px));margin:0 auto;padding:100px 0}.sectionIntro{max-width:680px}.sectionIntro>p:last-child{max-width:620px;margin:18px 0 0;color:var(--muted);line-height:1.7}.sectionIntro.compact{max-width:540px}.answerGrid{margin-top:48px;display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}.answerGrid article{min-height:270px;padding:28px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}.answerGrid article>span{display:block;margin-bottom:48px;color:var(--red);font-size:12px;font-weight:800}.answerGrid p{margin:16px 0 0;color:var(--muted);font-size:14px;line-height:1.7}.officialLink{margin-top:26px;display:inline-flex;gap:8px;color:var(--navy);font-size:13px;font-weight:800}.scenarioSection{padding:100px max(24px,calc((100vw - 1180px)/2));background:#edf2f5}.scenarioGrid{margin-top:48px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.scenarioGrid article{padding:30px;display:grid;align-content:start;gap:16px;border:1px solid #c8d4de;background:#fff}.scenarioGrid article p{margin:0;color:var(--muted);font-size:14px;line-height:1.7}.scenarioGrid article strong{color:var(--ink);font-size:13px;line-height:1.55}.scenarioGrid article a{width:fit-content;color:var(--navy);font-size:12px;font-weight:800;line-height:1.5}.cardEyebrow{color:var(--red);font-size:10px;font-weight:800;letter-spacing:.04em;text-transform:uppercase}.concernLibrary .scenarioGrid article{min-height:265px}.concernLibrary .scenarioGrid article a{margin-top:auto;text-decoration:none}.sourceNote{max-width:900px;margin:24px 0 0;color:var(--muted);font-size:12px;line-height:1.65}.concernPage{background:var(--paper)}.concernHero{padding:86px max(24px,calc((100vw - 980px)/2)) 92px;background:linear-gradient(145deg,#f7f9fa,#edf2f5);border-bottom:1px solid var(--line)}.breadcrumbs{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin-bottom:16px;color:var(--muted);font-size:12px;font-weight:700}.breadcrumbs a{color:var(--red);text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}.backLink{margin-bottom:52px;display:inline-flex;color:var(--navy);font-size:12px;font-weight:800;text-decoration:none}.concernHero h1{max-width:880px;font-size:clamp(46px,6vw,72px)}.directAnswer{max-width:880px;margin:28px 0 0;color:#3d4c5b;font-family:"Source Serif 4",Georgia,serif;font-size:clamp(20px,2.2vw,27px);line-height:1.55}.answerBoundary{max-width:760px;margin:28px 0 0;padding-left:15px;border-left:3px solid var(--red);color:var(--muted);font-size:12px;line-height:1.6}.answerSection{padding:96px max(24px,calc((100vw - 1180px)/2))}.factorGrid{margin-top:46px;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}.factorGrid article{min-height:285px;padding:27px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}.factorGrid article>span{display:block;margin-bottom:44px;color:var(--red);font-size:11px;font-weight:800}.factorGrid h3{font-size:21px}.factorGrid p,.answerScenarioGrid p{margin:15px 0 0;color:var(--muted);font-size:13px;line-height:1.7}.scenarioAnswerSection{background:var(--soft)}.answerScenarioGrid{margin-top:46px;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.answerScenarioGrid article{min-height:220px;padding:28px;border-top:4px solid var(--red);background:#fff}.decisionSection{padding:96px max(24px,calc((100vw - 1080px)/2));display:grid;grid-template-columns:.75fr 1.25fr;gap:74px;background:var(--navy-dark);color:#d7e1e8}.decisionSection h2{color:#fff}.decisionSection>div>p:last-child{margin:20px 0 0;font-size:13px;line-height:1.7}.decisionSection ol{margin:0;padding:0;display:grid;list-style:none}.decisionSection li{padding:20px 0;display:grid;grid-template-columns:42px 1fr;align-items:start;gap:18px;border-top:1px solid rgba(255,255,255,.22)}.decisionSection li:last-child{border-bottom:1px solid rgba(255,255,255,.22)}.decisionSection li span{width:34px;height:34px;display:grid;place-items:center;background:#fff;color:var(--navy-dark);font-weight:800}.decisionSection li p{margin:4px 0 0;font-size:14px;line-height:1.6}.sourcePanel,.contextualChat{padding:82px max(24px,calc((100vw - 1080px)/2));display:grid;grid-template-columns:.85fr 1.15fr;align-items:start;gap:68px}.sourcePanel{border-bottom:1px solid var(--line)}.sourcePanel h2,.contextualChat h2{font-size:38px}.sourcePanel>div>p:last-child,.contextualChat>div>p:last-child{margin:18px 0 0;color:var(--muted);font-size:13px;line-height:1.7}.sourceLinks{display:grid;border-top:1px solid var(--line)}.sourceLinks a{padding:19px 4px;display:flex;justify-content:space-between;gap:18px;border-bottom:1px solid var(--line);color:var(--navy);font-size:13px;font-weight:800;text-decoration:none}.contextualChat{background:#e9eef1}.relatedResources{padding:34px max(24px,calc((100vw - 1080px)/2));background:#fff;border-bottom:1px solid var(--line)}.relatedResources>div{display:flex;flex-wrap:wrap;gap:14px}.relatedResources a{padding:14px 16px;border:1px solid var(--line);color:var(--navy);font-size:13px;font-weight:800;text-decoration:none}.relatedResources a:hover{background:var(--soft)}.promptPreview{padding:30px;border-top:5px solid var(--red);background:#fff;box-shadow:0 18px 50px #0c294914}.promptPreview>span{color:var(--red);font-size:10px;font-weight:800;letter-spacing:.05em;text-transform:uppercase}.promptPreview p{margin:16px 0 24px;color:#3d4c5b;font-family:"Source Serif 4",Georgia,serif;font-size:19px;line-height:1.55}.checklistSection{padding:82px max(24px,calc((100vw - 1080px)/2));background:#f7f3ec;border-top:1px solid #ded7cb;border-bottom:1px solid #ded7cb}.checklistSection .sectionIntro{max-width:760px}.checklistGrid{margin-top:42px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.checklistGrid article{padding:28px;background:#fff;border:1px solid #d8d0c4;break-inside:avoid}.checklistGrid article>p{margin:10px 0 20px;color:var(--muted);font-size:13px;line-height:1.6}.checklistGrid ul{margin:0;padding:0;display:grid;gap:12px;list-style:none}.checklistGrid li{display:grid;grid-template-columns:22px 1fr;gap:10px;color:#344252;font-size:13px;line-height:1.5}.checklistGrid li span{color:var(--navy);font-size:18px;line-height:1.1}.processBand{padding:84px max(24px,calc((100vw - 1180px)/2));display:grid;grid-template-columns:.65fr 1.35fr;gap:70px;background:#e9eef1}.processBand ol{margin:0;padding:0;display:grid;list-style:none}.processBand li{padding:24px 0;display:grid;grid-template-columns:46px 1fr;gap:20px;border-top:1px solid #c4ced5}.processBand li:last-child{border-bottom:1px solid #c4ced5}.processBand li>span{width:34px;height:34px;display:grid;place-items:center;background:var(--navy);color:#fff;font-size:13px;font-weight:800}.processBand strong{color:var(--navy-dark);font-family:"Source Serif 4",Georgia,serif;font-size:20px}.processBand li p{margin:7px 0 0;color:var(--muted);font-size:14px;line-height:1.6}.leadSection{width:min(1180px,calc(100% - 48px));margin:0 auto;padding:100px 0;display:grid;grid-template-columns:.72fr 1.28fr;align-items:start;gap:70px}.leadCopy{position:sticky;top:28px}.leadCopy>p:not(.eyebrow){margin:20px 0 0;color:var(--muted);line-height:1.7}.privacyNote{margin-top:34px;padding:18px;display:grid;gap:7px;border-left:4px solid var(--red);background:#f0f3f5;color:var(--muted);font-size:13px;line-height:1.55}.privacyNote strong{color:var(--ink)}.leadForm{padding:34px;display:grid;gap:18px;background:#fff;border:1px solid var(--line);box-shadow:0 18px 50px #0c294914}.grid{display:grid;gap:18px}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}label{display:grid;gap:8px;color:#25394e;font-size:13px;font-weight:800}label>span{color:var(--muted);font-size:11px;font-weight:600}input,select,textarea{width:100%;min-height:50px;border:1px solid #aebac4;border-radius:2px;padding:12px 13px;background:#fff;color:var(--ink)}input:focus,select:focus,textarea:focus{border-color:var(--blue);outline:3px solid rgba(43,99,143,.15)}.readOnlyField{border-color:#c7d0d8;background:#eef2f5;color:#435363;cursor:default}textarea{min-height:112px;resize:vertical;line-height:1.5}.hiddenField{position:absolute;left:-10000px;width:1px;height:1px;opacity:0}.optionalFields{border:1px solid var(--line)}.optionalFields summary{padding:16px;color:var(--navy);font-size:13px;font-weight:800;cursor:pointer}.optionalFieldsBody{padding:4px 16px 18px;display:grid;gap:18px}.consent{grid-template-columns:20px 1fr;align-items:start;gap:10px;color:var(--muted);font-weight:500;line-height:1.55}.consent input{width:18px;min-height:18px;height:18px;margin-top:2px}.consent>span{font-size:12px;line-height:1.55}.submitButton{width:100%}.chatLink{justify-self:center;font-size:12px}.status{margin:0;padding:13px 15px;border-left:4px solid;font-size:13px;font-weight:700;line-height:1.5}.success{border-color:#29735c;background:#e8f4ef;color:#175340}.error{border-color:#a43f3f;background:#fff0f0;color:#862b2b}.disclosureBand{padding:40px max(24px,calc((100vw - 1180px)/2));display:grid;grid-template-columns:240px 1fr;gap:40px;background:var(--navy-dark);color:#dbe6ef}.disclosureBand h2{color:#fff;font-size:25px}.disclosureBand p{margin:0;max-width:880px;font-size:12px;line-height:1.75}.chatLauncher{position:fixed;right:22px;bottom:22px;z-index:20;display:flex;align-items:center;gap:11px;min-height:58px;padding:10px 16px 10px 12px;border:1px solid rgba(255,255,255,.28);border-radius:3px;background:var(--navy-dark);color:#fff;box-shadow:0 14px 36px #0414263d;cursor:pointer;text-align:left}.chatLauncher:hover{background:var(--navy);transform:translateY(-1px)}.chatLauncher:focus-visible{outline:3px solid white;outline-offset:3px}.chatLauncher svg{width:34px;height:34px;padding:6px;flex:0 0 auto;border:1px solid rgba(255,255,255,.34);fill:none;stroke:currentColor;stroke-linecap:round;stroke-linejoin:round;stroke-width:1.6}.chatLauncher span{display:grid;gap:2px}.chatLauncher strong{font-family:"Source Serif 4",Georgia,serif;font-size:15px;line-height:1.1}.chatLauncher small{color:#d7e1e8;font-size:10px;line-height:1.2}.chat{position:fixed;right:22px;bottom:22px;width:min(420px,calc(100vw - 44px));overflow:hidden;z-index:20;background:#fff;border:1px solid #9eabb7;box-shadow:0 24px 80px #04142642}.chat header{padding:14px 16px;display:flex;align-items:flex-start;justify-content:space-between;gap:16px;background:var(--navy-dark);color:#fff}.chat header>div{display:grid;gap:4px}.chat header span{color:#c6d5e1;font-size:10px;line-height:1.4}.chat header button{width:34px;height:34px;border:1px solid rgba(255,255,255,.35);background:transparent;color:#fff;font-size:22px;cursor:pointer}.messages{min-height:180px;max-height:320px;overflow:auto;padding:16px;display:flex;flex-direction:column;gap:10px;background:#f2f5f7}.messages p{width:fit-content;max-width:84%;margin:0;padding:11px 13px;border:1px solid var(--line);border-radius:3px;font-size:13px;line-height:1.5;white-space:pre-wrap;overflow-wrap:anywhere}.messages .assistant{align-self:flex-start;background:#fff;border-left:3px solid var(--blue)}.messages .user{align-self:flex-end;background:var(--navy);border-color:var(--navy);color:#fff}.chat form{padding:15px;display:grid;gap:10px}.chat textarea{min-height:88px}footer{padding:38px max(24px,calc((100vw - 1180px)/2));display:grid;grid-template-columns:1fr auto;align-items:center;gap:24px;border-top:1px solid var(--line);background:#fff}.footerBrand{display:flex;align-items:center;gap:12px}.footerBrand>div{display:grid;gap:3px}.footerBrand strong{font-family:"Source Serif 4",Georgia,serif}.footerBrand span:last-child{color:var(--muted);font-size:10px}.footerLinks{display:flex;flex-wrap:wrap;gap:20px}.footerLinks a{color:var(--navy);font-size:12px;font-weight:700}footer>p{grid-column:1 / -1;margin:0;color:var(--muted);font-size:10px}footer>p a{color:inherit;font-weight:700}.fallback{min-height:70vh;padding:80px 24px;display:grid;place-items:center;text-align:center}.fallback>div,.fallback>article{max-width:760px}.fallback p{color:var(--muted);line-height:1.7}.refinancePage{background:#f7f8f9}.refinanceHero{width:min(1180px,calc(100% - 48px));margin:0 auto;padding:72px 0 82px;display:grid;grid-template-columns:minmax(0,1.08fr) minmax(360px,.72fr);align-items:center;gap:74px}.refinanceHero h1{max-width:760px}.refinanceHero .lede{max-width:720px}.refinanceHero .breadcrumbs{margin-bottom:38px}.refinanceReviewCard{overflow:hidden;border:1px solid #cbd5dd;border-top:6px solid var(--red);background:#fff;box-shadow:0 28px 70px #0c29491f}.refinanceReviewCard>p{margin:0;padding:19px 24px;background:var(--navy-dark);color:#fff;font-family:"Source Serif 4",Georgia,serif;font-size:21px}.refinanceReviewCard dl{margin:0}.refinanceReviewCard dl>div{padding:18px 24px;display:grid;grid-template-columns:120px 1fr;gap:18px;border-bottom:1px solid var(--line)}.refinanceReviewCard dt{color:var(--red);font-size:10px;font-weight:800;letter-spacing:.04em;text-transform:uppercase}.refinanceReviewCard dd{margin:0;color:#3f4d5b;font-size:12px;font-weight:700;line-height:1.55}.refinanceReviewCard small{padding:18px 24px;display:block;background:#eef2f5;color:var(--muted);font-size:10px;line-height:1.6}.refinanceBasics{padding:92px max(24px,calc((100vw - 1180px)/2));background:#fff}.refinanceBasics .sectionIntro{max-width:780px}.refinanceBasicsGrid{margin-top:44px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.refinanceBasicsGrid article{min-height:285px;padding:28px;border-top:5px solid var(--navy);background:#f1f4f6}.refinanceBasicsGrid article>span{color:var(--red);font-size:11px;font-weight:800}.refinanceBasicsGrid h3{margin-top:42px;font-size:25px}.refinanceBasicsGrid p{margin:14px 0 0;color:var(--muted);font-size:13px;line-height:1.7}.refinanceDecision{padding:92px max(24px,calc((100vw - 1180px)/2));display:grid;grid-template-columns:.78fr 1.22fr;gap:74px;background:#e9eef1}.refinanceDecision>div:first-child>p:last-child{color:var(--muted);line-height:1.75}.refinanceQuestions{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1px;background:#bcc8d0;border:1px solid #bcc8d0}.refinanceQuestions article{padding:26px;background:#fff}.refinanceQuestions strong{color:var(--navy-dark);font-family:"Source Serif 4",Georgia,serif;font-size:21px}.refinanceQuestions p{margin:10px 0 0;color:var(--muted);font-size:12px;line-height:1.65}.refinanceTiming{padding:70px max(24px,calc((100vw - 1180px)/2));display:grid;grid-template-columns:.72fr 1.28fr;gap:70px;background:var(--navy-dark);color:#dce7ef}.refinanceTiming .eyebrow{color:#e5a6a6}.refinanceTiming h2{color:#fff}.refinanceTiming p{margin:0 0 16px;max-width:760px;font-size:14px;line-height:1.75}.refinancePage+.processBand{border-top:1px solid #c5d0d8}@media(max-width:980px){.siteHeader nav a:not(.navCta){display:none}.hero{grid-template-columns:1fr;padding-top:46px}.heroMedia{width:min(720px,100%)}.topicBar,.processBand,.leadSection,.decisionSection,.sourcePanel,.contextualChat{grid-template-columns:1fr}.factorGrid{grid-template-columns:repeat(2,1fr)}.answerScenarioGrid{grid-template-columns:1fr}.topicButtons{margin-top:10px}.leadCopy{position:static}.refinanceHero,.refinanceDecision,.refinanceTiming{grid-template-columns:1fr}.refinanceHero{gap:42px}.refinanceReviewCard{width:min(700px,100%)}}@media(max-width:700px){.serviceNotice{justify-content:center;text-align:center}.serviceNotice span:first-child{display:none}.siteHeader{width:calc(100% - 30px);min-height:72px}.site:before{height:72px}.brand small{display:none}.brand strong{font-size:18px}.siteHeader nav{display:none}.brandMark{width:44px;height:38px;font-size:15px}.hero,.overview,.leadSection{width:calc(100% - 30px)}.refinanceHero{width:calc(100% - 30px);padding:42px 0 58px}.refinanceHero .breadcrumbs{margin-bottom:28px}.refinanceReviewCard dl>div{grid-template-columns:1fr;gap:7px}.refinanceBasics,.refinanceDecision,.refinanceTiming{padding-top:68px;padding-bottom:68px}.refinanceBasicsGrid{grid-template-columns:1fr}.refinanceBasicsGrid article{min-height:auto}.refinanceQuestions{grid-template-columns:1fr}.hero{min-height:auto;padding:30px 0 20px;gap:18px}h1{font-size:36px}h2{font-size:34px}.lede{margin-top:18px;font-size:14px;line-height:1.55}.actions{margin-top:20px}.assuranceList{margin-top:18px;padding-top:12px;gap:6px 16px}.assuranceList li{font-size:10px}.heroMedia:before{top:-8px;right:-8px}.heroMedia img{height:120px;aspect-ratio:auto;object-position:62% 58%}.heroMedia figcaption{display:none}.topicBar,.overview,.scenarioSection,.processBand,.leadSection{padding-top:68px;padding-bottom:68px}.topicButtons{grid-template-columns:1fr 1fr}.answerGrid{grid-template-columns:1fr}.answerGrid article{min-height:auto}.answerGrid article>span{margin-bottom:24px}.scenarioGrid{grid-template-columns:1fr}.scenarioGrid article{padding:24px 20px}.concernHero{padding-top:46px;padding-bottom:62px}.backLink{margin-bottom:34px}.concernHero h1{font-size:39px}.directAnswer{font-size:19px;line-height:1.55}.answerSection,.decisionSection,.sourcePanel,.contextualChat{padding-top:68px;padding-bottom:68px}.factorGrid,.checklistGrid{grid-template-columns:1fr}.factorGrid article{min-height:auto}.factorGrid article>span{margin-bottom:24px}.grid.two{grid-template-columns:1fr}.leadForm{padding:22px 18px}.disclosureBand{grid-template-columns:1fr;gap:14px}footer{grid-template-columns:1fr}.footerLinks{gap:14px}}@media(max-width:430px){.brand>span:last-child{display:none}.actions{align-items:flex-start;flex-direction:column}.primaryButton{width:100%}.topicButtons{grid-template-columns:1fr}.chatLauncher{right:12px;bottom:12px}.chat{inset:10px;width:auto}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}@media print{@page{margin:.55in}body{background:#fff}.site{overflow:visible}.serviceNotice,.siteHeader,.concernHero .actions,.answerSection,.scenarioAnswerSection,.decisionSection,.contextualChat,.processBand,.leadSection,.disclosureBand,.chatLauncher,.chat,footer{display:none!important}.concernHero{padding:0 0 20px;border-bottom:2px solid #16324f;background:#fff}.concernHero .backLink{display:none}.concernHero h1{max-width:none;font-size:28pt}.directAnswer{max-width:none;font-size:11pt}.checklistSection{padding:22px 0;background:#fff;border:0}.checklistSection h2{font-size:20pt}.checklistGrid{margin-top:20px;grid-template-columns:1fr 1fr;gap:12px}.checklistGrid article{padding:15px}.checklistGrid h3{font-size:14pt}.sourcePanel{display:grid!important;padding:20px 0 0;grid-template-columns:.8fr 1.2fr;gap:20px;border-top:1px solid #999}.sourcePanel h2{font-size:18pt}.sourceLinks a{padding:9px 0;color:#000;overflow-wrap:anywhere}.sourceLinks a:after{content:" (" attr(href) ")";font-weight:400}}.helocPage{background:var(--paper)}.helocPage.revealEnabled>section,.helocPage.revealEnabled .helocUseGrid article,.helocPage.revealEnabled .helocCompareGrid article,.helocPage.revealEnabled .helocFaq details,.helocPage.revealEnabled .promptPreview,.site.helocRevealEnabled>.processBand,.site.helocRevealEnabled>.leadSection,.site.helocRevealEnabled>.disclosureBand{opacity:0;transform:translateY(22px);transition:opacity .62s cubic-bezier(.22,1,.36,1),transform .62s cubic-bezier(.22,1,.36,1)}.helocPage.revealEnabled .isRevealed,.helocPage.revealEnabled .helocUseGrid article.isRevealed,.helocPage.revealEnabled .helocCompareGrid article.isRevealed,.helocPage.revealEnabled .helocFaq details.isRevealed,.site.helocRevealEnabled>.processBand.isRevealed,.site.helocRevealEnabled>.leadSection.isRevealed,.site.helocRevealEnabled>.disclosureBand.isRevealed{opacity:1;transform:translateY(0)}.helocPage.revealEnabled .helocUseGrid article:nth-child(2),.helocPage.revealEnabled .helocCompareGrid article:nth-child(2){transition-delay:80ms}.helocPage.revealEnabled .helocUseGrid article:nth-child(3),.helocPage.revealEnabled .helocCompareGrid article:nth-child(3){transition-delay:.16s}.helocPage.revealEnabled .helocFaq details:nth-child(2){transition-delay:55ms}.helocPage.revealEnabled .helocFaq details:nth-child(3){transition-delay:.11s}.helocPage.revealEnabled .helocFaq details:nth-child(4){transition-delay:165ms}.helocHero{padding:46px max(24px,calc((100vw - 1180px)/2)) 78px;display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:64px;background:radial-gradient(circle at 85% 20%,rgba(43,99,143,.13),transparent 34%),linear-gradient(145deg,#f8fafb,var(--soft));border-bottom:1px solid var(--line)}.helocHero h1{max-width:760px}.helocSignalCard{padding:30px;border:1px solid var(--line);border-top:6px solid var(--red);background:var(--paper);box-shadow:0 28px 70px #0c29491c}.helocSignalCard>span,.helocCompareGrid article>span{color:var(--red);font-size:10px;font-weight:800;letter-spacing:.07em;text-transform:uppercase}.helocSignalCard h2{margin-top:12px;font-size:35px}.helocSignalCard>p{margin:17px 0 24px;color:var(--muted);font-size:13px;line-height:1.7}.helocSignalCard dl{margin:0;display:grid;border-top:1px solid var(--line)}.helocSignalCard dl div{padding:14px 0;display:grid;grid-template-columns:.7fr 1.3fr;gap:16px;border-bottom:1px solid var(--line)}.helocSignalCard dt{color:var(--muted);font-size:10px;font-weight:800;text-transform:uppercase}.helocSignalCard dd{margin:0;color:var(--navy-dark);font-size:12px;font-weight:700}.helocUses,.helocFactors,.helocCompare,.helocDecision,.helocFaq,.helocRelated{padding:80px max(24px,calc((100vw - 1180px)/2))}.helocProgramContext{padding:58px max(24px,calc((100vw - 1180px)/2));display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;background:#e8f0f6;border-bottom:1px solid #cfdae4}.helocProgramContext h2{font-size:38px}.helocProgramContext>div:last-child{display:grid;gap:16px}.helocProgramContext>div:last-child p{margin:0;color:var(--muted);font-size:14px;line-height:1.75}.helocUseGrid,.helocCompareGrid{margin-top:34px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.helocUseGrid article,.helocCompareGrid article{padding:26px;border:1px solid var(--line);background:var(--paper)}.helocUseGrid article>span{width:38px;height:38px;margin-bottom:24px;display:grid;place-items:center;background:var(--navy);color:#fff;font-size:11px;font-weight:800}.helocFactors{background:#f7f3ec}.helocFactorGrid{margin-top:34px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.helocFactorGrid article{padding:26px;border-top:4px solid var(--red);background:var(--paper);box-shadow:0 16px 42px #0c294912}.helocFactorGrid article>span{color:var(--red);font-size:11px;font-weight:800;letter-spacing:.08em}.helocFactorGrid h3{margin-top:14px}.helocFactorGrid p,.helocCompare .sectionIntro>p:last-child{margin:14px 0 0;color:var(--muted);font-size:13px;line-height:1.7}.helocCompareGrid h3{margin-top:10px}.helocUseGrid p,.helocCompareGrid p{margin:15px 0 0;color:var(--muted);font-size:13px;line-height:1.7}.helocCompare{background:var(--navy);color:#fff}.helocCompare h2,.helocCompare h3{color:#fff}.helocCompare .eyebrow,.helocCompareGrid article>span{color:#e6c796}.helocCompareGrid article{border-color:#fff3;background:#ffffff0f}.helocCompareGrid p{color:#cbd7e1}.helocCompare .officialLink{color:#fff}.helocCompareTable{margin-top:34px;overflow-x:auto;border:1px solid rgba(255,255,255,.22)}.helocCompareTable table{width:100%;min-width:780px;border-collapse:collapse;text-align:left}.helocCompareTable th,.helocCompareTable td{padding:18px;border-right:1px solid rgba(255,255,255,.16);border-bottom:1px solid rgba(255,255,255,.16);vertical-align:top;font-size:13px;line-height:1.55}.helocCompareTable thead th{color:#fff;background:#ffffff1f;font-size:12px}.helocCompareTable tbody th{width:20%;color:#e6c796;background:#ffffff0f}.helocCompareTable td{color:#dbe4eb}.helocDecision{display:grid;grid-template-columns:.75fr 1.25fr;gap:72px;background:var(--paper)}.helocDecision ol{margin:0;padding:0;display:grid;gap:18px;list-style:none}.helocDecision li{display:grid;grid-template-columns:38px 1fr;gap:16px;align-items:start}.helocDecision li>span{width:38px;height:38px;display:grid;place-items:center;background:var(--navy);color:#fff;font-size:11px;font-weight:800}.helocDecision li p{margin:0;color:var(--muted);font-size:13px;line-height:1.7}.helocFaq{display:grid;grid-template-columns:.75fr 1.25fr;gap:72px;background:#f7f3ec}.helocFaq details{border-top:1px solid var(--line)}.helocFaq details:last-child{border-bottom:1px solid var(--line)}.helocFaq summary{padding:22px 38px 22px 0;position:relative;color:var(--navy-dark);font-family:"Source Serif 4",Georgia,serif;font-size:19px;font-weight:700;cursor:pointer}.helocFaq details p{margin:-5px 0 22px;max-width:720px;color:var(--muted);font-size:13px;line-height:1.7}.helocRelated{display:grid;grid-template-columns:.7fr 1.3fr;gap:72px;background:#e8f0f6}.helocRelated nav{display:grid;gap:12px}.helocRelated a{padding:18px 20px;display:grid;gap:5px;border:1px solid #cfdae4;background:var(--paper);color:var(--navy-dark);text-decoration:none}.helocRelated a:hover{border-color:var(--red);transform:translateY(-1px)}.helocRelated a span{color:var(--muted);font-size:12px;line-height:1.5}@media(max-width:900px){.helocHero,.helocFaq,.helocProgramContext,.helocDecision,.helocRelated{grid-template-columns:1fr;gap:42px}.helocUseGrid,.helocCompareGrid,.helocFactorGrid{grid-template-columns:1fr}}@media(max-width:700px){.helocHero{padding-top:28px;padding-bottom:54px}.helocUses,.helocFactors,.helocCompare,.helocDecision,.helocFaq,.helocRelated{padding-top:58px;padding-bottom:58px}.helocProgramContext{padding-top:42px;padding-bottom:42px}.helocSignalCard{padding:25px 21px}.helocSignalCard h2{font-size:30px}}@media(prefers-reduced-motion:reduce){.helocPage.revealEnabled>section,.helocPage.revealEnabled .helocUseGrid article,.helocPage.revealEnabled .helocCompareGrid article,.helocPage.revealEnabled .helocFaq details,.helocPage.revealEnabled .promptPreview,.site.helocRevealEnabled>.processBand,.site.helocRevealEnabled>.leadSection,.site.helocRevealEnabled>.disclosureBand{opacity:1;transform:none;transition:none}}.homeEquityPromo{padding:58px max(24px,calc((100vw - 1180px)/2));display:flex;align-items:center;justify-content:space-between;gap:48px;background:var(--navy);color:#fff}.homeEquityPromo>div{max-width:700px}.homeEquityPromo .eyebrow{color:#e6c796}.homeEquityPromo h2{color:#fff;font-size:38px}.homeEquityPromo p:last-child{margin:14px 0 0;color:#d9e3ec;line-height:1.7}.homeEquityPromo .primaryButton{flex:0 0 auto;border-color:#fff;background:#fff;color:var(--navy-dark)}.homeEquityPromo .primaryButton:hover{border-color:#edf2f5;background:#edf2f5}@media(max-width:760px){.homeEquityPromo{padding-top:48px;padding-bottom:48px;align-items:stretch;flex-direction:column;gap:26px}.homeEquityPromo .primaryButton{width:100%}}