:root{--navy: #1f3a5f;--navy-dark: #162b47;--teal: #0f766e;--teal-light: #e6f4f2;--ink: #1c2530;--muted: #4b5866;--line: #e3e8ee;--bg: #ffffff;--bg-soft: #f6f8fa;--warn-bg: #fff8e6;--warn-line: #f0d48a;--max: 1100px;--radius: 10px;--font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif}*,*:before,*:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;font-family:var(--font);font-size:17px;line-height:1.6;color:var(--ink);background:var(--bg)}img,svg{max-width:100%;height:auto}a{color:var(--teal);text-decoration-thickness:1px;text-underline-offset:2px}a:hover{color:var(--navy)}h1,h2,h3,h4{color:var(--navy);line-height:1.2;margin:0 0 .5em;font-weight:700}h1{font-size:clamp(1.8rem,4vw,2.5rem);letter-spacing:-.01em}h2{font-size:clamp(1.35rem,3vw,1.7rem);margin-top:2.2rem}h3{font-size:1.15rem;margin-top:1.5rem}p{margin:0 0 1em}ul,ol{padding-left:1.3em}li{margin-bottom:.35em}small,.small{font-size:.85rem}.muted{color:var(--muted)}.wrap{max-width:var(--max);margin:0 auto;padding:0 1rem}.prose{max-width:760px}.prose>h2:first-child{margin-top:0}.site-header{position:sticky;top:0;z-index:50;background:var(--navy);color:#fff;border-bottom:3px solid var(--teal)}.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:60px;flex-wrap:wrap}.logo{color:#fff;text-decoration:none;font-weight:800;font-size:1.15rem;letter-spacing:-.01em;display:flex;align-items:center;gap:.5rem}.logo span{color:#9fd9d1}.nav{display:flex;gap:.15rem;flex-wrap:wrap}.nav a{color:#e8eef5;text-decoration:none;padding:.45rem .65rem;border-radius:6px;font-size:.95rem;font-weight:500}.nav a:hover,.nav a[aria-current=page]{background:#ffffff1f;color:#fff}@media(max-width:640px){.site-header .wrap{padding-bottom:.4rem}.nav{width:100%;flex-wrap:nowrap;overflow-x:auto;gap:.25rem;scrollbar-width:none;-webkit-overflow-scrolling:touch}.nav::-webkit-scrollbar{display:none}.nav a{padding:.35rem .55rem;font-size:.9rem;white-space:nowrap;flex:0 0 auto}}main{padding:2rem 0 3rem}.page-head{margin-bottom:1.5rem}.page-head .lede{font-size:1.1rem;color:var(--muted);max-width:760px}.stamp{display:inline-block;font-size:.85rem;color:var(--muted);background:var(--bg-soft);border:1px solid var(--line);padding:.2rem .6rem;border-radius:999px;margin-bottom:.75rem}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.25rem}.card-soft{background:var(--bg-soft)}.grid{display:grid;gap:1rem;grid-template-columns:repeat(auto-fill,minmax(230px,1fr))}.grid a.tile{display:block;text-decoration:none;color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1rem 1.1rem;transition:border-color .15s,box-shadow .15s}.grid a.tile:hover{border-color:var(--teal);box-shadow:0 2px 10px #1f3a5f14}.tile strong{display:block;color:var(--navy);margin-bottom:.2rem}.tile span{color:var(--muted);font-size:.9rem}.rate-block{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;margin:1.5rem 0}.rate-block-head{background:var(--navy);color:#fff;padding:.7rem 1.1rem;display:flex;justify-content:space-between;align-items:baseline;gap:1rem;flex-wrap:wrap}.rate-block-head h2,.rate-block-head h3{color:#fff;margin:0;font-size:1.05rem}.rate-block-head .small{color:#cfe0ec}.rate-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}.rate-cell{padding:1.1rem;border-right:1px solid var(--line)}.rate-cell:last-child{border-right:0}.rate-label{font-size:.85rem;color:var(--muted);text-transform:uppercase;letter-spacing:.04em}.rate-value{font-size:2.2rem;font-weight:800;color:var(--navy);line-height:1.1}.rate-change{font-size:.95rem;font-weight:600}.rate-change.down{color:var(--teal)}.rate-change.up{color:#b4362e}.rate-change.flat{color:var(--muted)}.source-note{font-size:.8rem;color:var(--muted);padding:.75rem 1.1rem;border-top:1px solid var(--line);background:var(--bg-soft);margin:0;line-height:1.45}@media(max-width:640px){.rate-cell{border-right:0;border-bottom:1px solid var(--line)}.rate-cell:last-child{border-bottom:0}}.placeholder{border:2px dashed #b9c4d0;border-radius:var(--radius);padding:1.5rem;text-align:center;color:var(--muted);background:repeating-linear-gradient(45deg,#fafbfc,#fafbfc 10px,#f3f5f8 10px 20px);font-size:.95rem}.placeholder code{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;background:#fff;padding:.1rem .35rem;border-radius:4px;border:1px solid var(--line)}.form-slot{background:var(--teal-light);border:1px solid #bfe0da;border-radius:var(--radius);padding:1.5rem;margin:2rem 0}.form-slot h2,.form-slot h3{margin-top:0;color:var(--navy)}.consent{font-size:.78rem;color:#3f4c59;line-height:1.45;margin:1rem 0 0}.chart-wrap{margin:1.5rem 0}.chart-wrap svg{width:100%;height:auto;display:block;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.chart-caption{font-size:.8rem;color:var(--muted);margin-top:.4rem}.faq details{border:1px solid var(--line);border-radius:8px;padding:.75rem 1rem;margin-bottom:.6rem;background:#fff}.faq summary{cursor:pointer;font-weight:600;color:var(--navy)}.faq details p{margin:.75rem 0 0}.callout{border-left:4px solid var(--teal);background:var(--bg-soft);padding:.9rem 1.1rem;border-radius:0 8px 8px 0;margin:1.25rem 0}.notice{background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:8px;padding:.8rem 1rem;font-size:.9rem}.btn{display:inline-block;background:var(--teal);color:#fff;text-decoration:none;padding:.65rem 1.2rem;border-radius:8px;font-weight:600;border:0;cursor:pointer;font-size:1rem}.btn:hover{background:#0b5d57;color:#fff}.btn-outline{background:transparent;color:var(--navy);border:2px solid var(--navy)}.btn-outline:hover{background:var(--navy);color:#fff}table{width:100%;border-collapse:collapse;font-size:.95rem;margin:1rem 0}th,td{text-align:left;padding:.55rem .6rem;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--bg-soft);color:var(--navy);font-weight:600}.table-scroll{overflow-x:auto}.calc{display:grid;gap:1.25rem;grid-template-columns:1fr}@media(min-width:800px){.calc{grid-template-columns:1fr 1fr}}.field{display:flex;flex-direction:column;gap:.3rem;margin-bottom:.9rem}.field label{font-weight:600;font-size:.92rem;color:var(--navy)}.field input,.field select{font:inherit;padding:.55rem .7rem;border:1px solid #b9c4d0;border-radius:8px;width:100%}.field input:focus{outline:2px solid var(--teal);outline-offset:1px;border-color:var(--teal)}.result{background:var(--navy);color:#fff;border-radius:var(--radius);padding:1.25rem}.result .big{font-size:2.2rem;font-weight:800}.result dl{display:grid;grid-template-columns:1fr auto;gap:.3rem 1rem;margin:1rem 0 0;font-size:.95rem}.result dt{color:#cfe0ec}.result dd{margin:0;font-weight:600;text-align:right}.post-list article{border-bottom:1px solid var(--line);padding:1rem 0}.post-list h3{margin:0 0 .25rem}.post-meta{font-size:.85rem;color:var(--muted)}.post-body h2{font-size:1.35rem}.site-footer{background:#1f3a5f;border-top:3px solid var(--teal);margin-top:2rem;padding:2rem 0;font-size:.82rem;color:#fff;line-height:1.5}.site-footer nav{display:flex;flex-wrap:wrap;gap:.25rem 1rem;margin-bottom:1.25rem}.site-footer nav a,.site-footer a{color:#fff}.site-footer p{margin:0 0 .7rem}.footer-heading{font-size:.85rem;font-weight:700;margin:1rem 0 .3rem;color:#fff;text-transform:uppercase;letter-spacing:.04em}.footer-logos{display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap;margin-bottom:1.25rem}.footer-logos img{height:48px;width:auto;display:block}.footer-logos img[alt="Equal Housing Opportunity"]{height:56px;background:#fff;padding:4px 8px;border-radius:6px}.presented-by{background:#fff;border-bottom:1px solid var(--line);font-size:.78rem;color:#3f4c59}.presented-by .wrap{display:flex;align-items:center;gap:.5rem;min-height:52px}.presented-by img{height:40px;width:auto;display:block}.section{margin-top:2.5rem}.two-col{display:grid;gap:1.5rem;grid-template-columns:1fr}@media(min-width:900px){.two-col{grid-template-columns:2fr 1fr}}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}.hero-actions{display:flex;flex-wrap:wrap;gap:.6rem;margin:.75rem 0 1rem}.publisher-note{font-size:.85rem;color:var(--muted);max-width:760px;margin:0}.band{margin-top:2.5rem;padding:2rem 0 2.25rem;background:var(--bg-soft);box-shadow:0 0 0 100vmax var(--bg-soft);clip-path:inset(0 -100vmax)}.band>h2:first-child,.band .faq>h2:first-child{margin-top:0}.tile-icon{display:grid;grid-template-columns:34px 1fr;column-gap:.75rem}.tile-icon .ticon{grid-row:1 / span 2;width:34px;height:34px;border-radius:8px;background:var(--teal-light);color:var(--teal);display:inline-flex;align-items:center;justify-content:center}.tile-icon .ticon svg{width:20px;height:20px}.grid a.tile.tile-metro{border-top:3px solid var(--navy)}.grid a.tile.tile-metro:hover{border-top-color:var(--teal)}@media(max-width:640px){.nav a.nav-desktop{display:none}}