:root{--red:#bd0020;--ink:#171719;--muted:#5c6066}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Arial,sans-serif;background:#f7f6f3}a{color:inherit;text-decoration:none}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:Georgia,serif}h2{font-size:clamp(30px,3vw,43px);line-height:1.1}p{line-height:1.5}.header{height:76px;background:#171717;color:white;display:flex;align-items:center;gap:30px;padding:0 4.5%;position:relative;z-index:3}.brand{display:flex;align-items:center;line-height:.85;color:#ed1635;min-width:170px;font-size:17px}.roof{font-size:45px;margin-right:5px}.brand small{display:block;color:#eee;font-size:7px;letter-spacing:1px;line-height:2.5}.header nav{display:flex;justify-content:center;gap:clamp(14px,2.3vw,36px);flex:1;font-size:14px}.header nav a:hover{text-decoration:underline}.phone,.button{background:var(--red);color:white;border:0;border-radius:7px;padding:14px 20px;font-weight:700;display:inline-flex;align-items:center;justify-content:center;gap:20px}.phone{border:1px solid white;white-space:nowrap}.menu{display:none}.hero{background:linear-gradient(90deg,rgba(24,28,31,.18),rgba(20,30,35,.42) 50%,rgba(20,30,35,.15)),url('houston-skyline-brighter.png') center/cover;min-height:590px;color:white}.hero-inner{max-width:1500px;margin:auto;display:grid;grid-template-columns:minmax(0,1fr) 405px;gap:35px;align-items:center;padding:28px 4.5%}.hero-copy{padding-left:30%;text-shadow:0 2px 16px #1c2528}.eyebrow{font-size:12px;letter-spacing:.3em;font-weight:bold}.red{color:var(--red)}h1{font-size:clamp(42px,4.4vw,70px);line-height:.99;letter-spacing:-.035em;margin-bottom:18px}.lead{font-size:22px;line-height:1.3}.hero-points{display:flex;margin-top:38px}.hero-points span{flex:1;text-align:center;font-size:30px;border-right:1px solid #ffffff80}.hero-points span:last-child{border:0}.hero-points small{display:block;font-size:13px;line-height:1.3;font-weight:bold}.form{background:#fff;color:var(--ink);border-radius:10px;padding:23px;display:grid;grid-template-columns:1fr 1fr;gap:11px 14px;box-shadow:0 15px 50px #1c1c1c26}.form h2,.form>p{grid-column:1/-1;margin:0}.form h2{font-size:25px}.form>p{font-size:14px;color:#555}.form label{font-size:12px;font-weight:bold}.wide{grid-column:1/-1}.form input,.form select{width:100%;height:36px;border:1px solid #cfd1d3;border-radius:5px;margin-top:5px;padding:0 9px;background:#fafafa;color:#555;font:13px Arial}.form button{cursor:pointer}.form button span{margin-left:auto}.form .form-note{font-size:11px;text-align:center;color:#666}.section{padding:65px 4.5%}.section-heading{text-align:center}.section-heading h2{margin-bottom:8px}.section-heading p:last-child{color:var(--muted)}.area-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:10px;max-width:1450px;margin:30px auto 0}.area{min-height:160px;border-radius:6px;position:relative;overflow:hidden;display:flex;flex-direction:column;justify-content:end;padding:15px;color:white;background:linear-gradient(transparent,#101719e8),url('https://images.pexels.com/photos/29604620/pexels-photo-29604620.jpeg?auto=compress&cs=tinysrgb&w=1200') center/cover}.a2{background-position:40%}.a3{background-position:60%}.a4{background-position:75%}.a5{background-position:85%}.a6{background-position:100%}.area strong{font: bold 19px Georgia}.area span{font-size:12px;margin-top:4px}.area b{position:absolute;right:14px;bottom:20px}.services{padding-top:0;display:grid;grid-template-columns:repeat(4,1fr);gap:12px;max-width:1600px;margin:auto}.services article{background:#fff;padding:24px;display:flex;gap:18px;border-radius:8px}.service-icon{font-size:40px;color:var(--red);line-height:1}.services h3{font-size:19px;margin-bottom:8px}.services p{font-size:14px;color:var(--muted)}.services a,.text-link{color:var(--red);font-size:14px;font-weight:bold}.journey{background:#fff;display:grid;grid-template-columns:1fr 1fr;gap:12%;padding:85px 10%}.journey>div{max-width:530px}.journey p{color:var(--muted)}.journey ol{padding:0;margin:0;list-style:none}.journey li{display:flex;gap:24px;border-bottom:1px solid #ddd;padding:15px 0}.journey li span{color:var(--red);font:24px Georgia}.journey li h3{margin-bottom:4px}.journey li p{margin:0;font-size:14px}.about{background:#1d2427;color:white;padding:85px 10%;background-image:linear-gradient(90deg,#151b1eef 10%,#151b1eb8),url('https://images.pexels.com/photos/29604620/pexels-photo-29604620.jpeg?auto=compress&cs=tinysrgb&w=1800');background-size:cover;background-position:center}.about>div{max-width:650px}.about p:not(.eyebrow){font-size:17px}.light{background:white;color:var(--red);margin-top:12px}.contact{text-align:center;padding:85px 20px}.contact .secondary{display:block;margin-top:20px;color:var(--red);font-weight:bold;font-size:14px}footer{background:#141414;color:white;padding:35px 5%;display:flex;justify-content:space-between;gap:30px;align-items:center}footer strong{font:26px Georgia}footer p,footer small{font-size:11px;line-height:1.6;letter-spacing:.1em}footer small{max-width:400px;color:#aaa}.menu{color:white;background:none;border:0;font-size:25px}@media(max-width:1050px){.header nav{gap:13px;font-size:12px}.brand{min-width:125px;font-size:13px}.hero-copy{padding-left:10%}.area-grid{grid-template-columns:repeat(3,1fr)}.services{grid-template-columns:repeat(2,1fr)}}@media(max-width:720px){.header{height:68px;justify-content:space-between}.header .phone{font-size:12px;padding:10px}.menu{display:block;margin-left:auto}.header nav{display:none;position:absolute;top:68px;left:0;right:0;background:#171717;padding:20px;flex-direction:column;gap:20px;font-size:15px}.header nav.open{display:flex}.hero-inner{display:block;padding:55px 5% 25px}.hero-copy{padding:0}.hero{background-position:30% center}.hero-copy h1{max-width:580px}.hero-points{margin:25px 0 35px}.hero-points span{font-size:24px}.hero-points small{font-size:11px}.form{max-width:550px}.area-grid{grid-template-columns:repeat(2,1fr)}.area{min-height:140px}.services{grid-template-columns:1fr}.section{padding-left:5%;padding-right:5%}.journey{grid-template-columns:1fr;gap:25px}.about{padding-top:65px;padding-bottom:65px}footer{align-items:flex-start;flex-direction:column}}

.area-intro{max-width:640px;margin:0 auto;text-align:center;color:#60656a}.area-note{text-align:center;font-size:12px;color:#71767a;margin:18px auto 0}.guide{background:#f0ede8;padding:80px 7%}.guide-head{display:grid;grid-template-columns:1fr 1fr;align-items:end;gap:10%;max-width:1400px;margin:auto}.guide-head>p{color:#5c6066;max-width:540px}.guide-grid{max-width:1400px;margin:30px auto;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.guide-grid article{background:white;padding:27px;border-top:3px solid #b90020}.guide-grid article>span{font-size:11px;color:#ad0020;letter-spacing:.15em;font-weight:bold}.guide-grid h3{font-size:23px;margin:15px 0}.guide-grid p{font-size:14px;color:#5c6066}.guide-grid strong{font-size:11px;text-transform:uppercase;letter-spacing:.13em}.guide>.text-link{display:block;max-width:1400px;margin:auto}.buyer-insight{padding:85px 10%;display:grid;grid-template-columns:1fr 1.1fr;gap:10%;background:#fff}.buyer-insight>div:first-child p:not(.eyebrow){color:#60656a;max-width:460px}.insight-list article{display:flex;gap:20px;padding:16px 0;border-bottom:1px solid #e4e2de}.insight-list article>span{font:22px Georgia;color:#b90020}.insight-list h3{margin:0 0 6px;font-size:19px}.insight-list p{font-size:14px;color:#60656a;margin:0}.faq{padding:85px 10%;display:grid;grid-template-columns:1fr 1.1fr;gap:10%;background:#f5f3ef}.faq-head p:not(.eyebrow){color:#60656a}.faq details{border-bottom:1px solid #d4d2ce;padding:20px 0}.faq summary{font: bold 18px Georgia;cursor:pointer}.faq details p{font-size:14px;color:#5c6066;margin:12px 0 0}@media(max-width:900px){.guide-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:720px){.guide-head,.buyer-insight,.faq{grid-template-columns:1fr;gap:20px}.guide-grid{grid-template-columns:1fr}.buyer-insight,.faq,.guide{padding:60px 5%}.hero-copy{padding-left:0}.hero{background-position:center}.hero-copy h1{max-width:620px}}

/* Actual community photos; details and licenses are linked below the cards. */
.area.a1{background-image:linear-gradient(transparent,#101719e8),url("https://upload.wikimedia.org/wikipedia/commons/thumb/1/15/2019-07-19_19_01_21_Palm_trees_along_Katy_Mills_Parkway_in_Katy%2C_Fort_Bend_County%2C_Texas.jpg/960px-2019-07-19_19_01_21_Palm_trees_along_Katy_Mills_Parkway_in_Katy%2C_Fort_Bend_County%2C_Texas.jpg")}
.area.a2{background-image:linear-gradient(transparent,#101719e8),url("https://upload.wikimedia.org/wikipedia/commons/2/2f/Fulshear_TX_City_Hall.jpg")}
.area.a3{background-image:linear-gradient(transparent,#101719e8),url("https://upload.wikimedia.org/wikipedia/commons/thumb/2/22/Cypress_Lake_at_Coles_Crossing_near_the_house_-_Flickr_-_pinemikey.jpg/960px-Cypress_Lake_at_Coles_Crossing_near_the_house_-_Flickr_-_pinemikey.jpg")}
.area.a4{background-image:linear-gradient(transparent,#101719e8),url("https://upload.wikimedia.org/wikipedia/commons/thumb/4/49/Sugarland_Town_Square.jpg/960px-Sugarland_Town_Square.jpg")}
.area.a5{background-image:linear-gradient(transparent,#101719e8),url("https://upload.wikimedia.org/wikipedia/commons/thumb/2/2a/Woodlands_Waterway.jpg/960px-Woodlands_Waterway.jpg")}
.area.a6{background-image:linear-gradient(transparent,#101719e8),url("https://upload.wikimedia.org/wikipedia/commons/b/b7/Old_Town_Spring_Wiki_5.jpg")}
.area{background-position:center;background-size:cover}.credits{max-width:1450px;margin:15px auto 0;color:#65686c;font-size:11px}.credits summary{cursor:pointer}.credits a{text-decoration:underline}.hero{position:relative;overflow:hidden}.hero-inner{position:relative;z-index:1}.portrait{position:absolute;bottom:0;left:0;height:97%;max-width:29%;object-fit:contain;object-position:bottom left;z-index:1;pointer-events:none}.hero-copy{position:relative;z-index:2}.form{position:relative;z-index:2}@media(max-width:1050px){.portrait{opacity:.4;max-width:35%}.hero-copy{padding-left:10%}}@media(max-width:720px){.portrait{height:380px;max-width:65%;opacity:.38;object-position:top left;top:0;bottom:auto}.hero-copy{padding:0}.hero-inner{padding-top:55px}}

@media(min-width:1051px){.portrait{height:82%;max-width:23%}.hero-copy{padding-left:30%}}

@media(max-width:720px){.hero .portrait{position:relative;display:block;top:auto;left:auto;bottom:auto;height:260px;width:auto;max-width:80%;margin:0 auto;opacity:1;object-position:bottom}.hero-inner{padding-top:20px}.header{gap:8px}.brand{min-width:0}.form{min-width:0}.form label{min-width:0}}


.hero-points a{flex:1;display:flex;align-items:center;flex-direction:column;text-align:center;border-right:1px solid #ffffff80;padding:0 6px;color:white;border-radius:2px}.hero-points a:last-child{border:0}.hero-points a:hover,.hero-points a:focus-visible{text-decoration:underline;outline:2px solid white;outline-offset:4px}.hero-points svg{width:30px;height:30px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;margin-bottom:5px}.hero-points a small{font-size:13px;line-height:1.3;font-weight:bold}.area:focus-visible,.menu:focus-visible{outline:3px solid #ed1635;outline-offset:3px}@media(max-width:720px){.hero-points svg{width:25px;height:25px}.hero-points a small{font-size:11px}.area-grid{gap:10px}.area{min-height:160px}.area strong{font-size:18px}.area span{line-height:1.25}.header .phone{white-space:nowrap}.hero-points a{padding:0 3px}}

/* Mobile portrait fades naturally into the framed headline. */
@media(max-width:720px){
 .hero .portrait{height:285px;mask-image:linear-gradient(to bottom,#000 75%,transparent 100%);-webkit-mask-image:linear-gradient(to bottom,#000 75%,transparent 100%)}
 .hero-inner{padding-top:0}
 .hero-copy{background:rgba(16,23,25,.85);border-radius:9px;padding:20px;margin-top:-18px}
 .hero-copy h1{font-size:clamp(34px,9.4vw,46px)}
 .hero-copy .lead{font-size:18px}
 .hero-points{margin:24px 0 2px}
 .form{margin-top:20px}
}

/* Keep the portrait opaque and proportionate at intermediate widths. */
@media (min-width:721px) and (max-width:1050px){
 .hero-inner{grid-template-columns:minmax(0,1fr) minmax(300px,36%);gap:20px}
 .hero .portrait{opacity:1;height:auto;width:24%;max-width:24%;bottom:0;top:auto;object-fit:contain;object-position:bottom left}
 .hero-copy{padding-left:36%}
 .hero-copy h1{font-size:clamp(32px,4vw,43px)}
 .hero-copy .lead{font-size:18px}
 .hero-points{margin-top:24px}
 .hero-points a small{font-size:11px}
}

/* Balanced editorial wrapping; preserve the source portrait aspect ratio. */
h1,h2,h3{text-wrap:balance}
.hero-copy h1{max-width:17ch}
@media (min-width:1051px){.hero-copy h1{font-size:clamp(40px,4vw,64px);max-width:18ch}}
@media (min-width:721px) and (max-width:1050px){.hero-copy h1{font-size:clamp(29px,3.7vw,39px);max-width:18ch}}
@media (max-width:720px){.hero-copy h1{font-size:clamp(32px,9vw,43px);max-width:16ch}.portrait{width:auto;height:285px}}

/* Brighter Houston daylight on the mobile portrait layout. */
@media(max-width:720px){.hero{background-image:linear-gradient(to bottom,rgba(255,255,255,.03) 0%,rgba(28,49,64,.10) 38%,rgba(18,30,38,.48) 100%),url("houston-skyline-brighter.png");background-position:center top}.hero-copy{background:rgba(13,24,32,.83)}}

.form-trap{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}

footer small a[href*="trec.texas.gov"],footer small a[href*="har.com/mhf"]{font-size:14px;line-height:1.5;letter-spacing:normal;color:#fff;text-decoration:underline}

.form .contact-requirement{grid-column:1/-1;margin:0;color:#555;font-size:12px}

.payment-planner{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:8%;background:#f0ede8;padding:80px 8%}.planner-intro{max-width:520px}.planner-intro>p:not(.eyebrow){color:#555d61}.planner-note{font-size:13px}.calculator{background:#fff;border-radius:10px;padding:28px;box-shadow:0 12px 40px #1c1c1c12}.calculator-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.calculator label{display:block;font-size:13px;font-weight:bold}.calculator input,.calculator select{display:block;width:100%;height:42px;margin-top:6px;border:1px solid #cfd1d3;border-radius:5px;padding:0 10px;background:#fafafa;font:15px Arial;color:#222}.calculator button{margin-top:20px;cursor:pointer}.calculator-result{margin-top:22px;border-top:1px solid #ddd;padding-top:20px}.calculator-result span,.resource-grid article>span{font-size:11px;font-weight:bold;letter-spacing:.13em;color:#ad0020}.calculator-result strong{display:block;font:700 34px Georgia,serif;margin:8px 0}.calculator-result p{color:#5c6066;font-size:13px;margin:8px 0}.resources{padding:80px 7%;background:white}.resource-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;max-width:1400px;margin:32px auto}.resource-grid article{background:#f7f6f3;padding:25px;border-top:3px solid #b90020}.resource-grid h3{font-size:21px;margin:14px 0 9px}.resource-grid p{color:#5c6066;font-size:14px}.resource-grid a{font-weight:bold;font-size:14px;color:#ad0020}.resources-action{text-align:center;max-width:700px;margin:auto}.resources-action p{color:#5c6066}@media(max-width:900px){.resource-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:720px){.payment-planner{grid-template-columns:1fr;gap:20px;padding:60px 5%}.calculator{padding:20px}.resources{padding:60px 5%}.resource-grid{grid-template-columns:1fr}}@media(max-width:380px){.calculator-fields{grid-template-columns:1fr}}
.calculator-top{display:flex;justify-content:space-between;align-items:center;gap:1rem;margin-bottom:22px}.calculator-top span:first-child{font-size:10px;font-weight:700;letter-spacing:.16em;color:#a80b27}.calculator-top h3{font:700 27px Georgia,serif;margin:8px 0 0}.calculator-mark{display:grid;place-items:center;width:50px;height:50px;border-radius:50%;background:#f7edf0;color:#af0927;font-size:27px}.calc-modes{border:0;padding:0;margin:0 0 22px;display:flex;gap:5px;flex-wrap:wrap}.calc-modes legend{font-size:12px;font-weight:700;margin-bottom:9px}.calc-modes label{flex:1;min-width:110px}.calc-modes input{position:absolute;opacity:0;width:1px;height:1px}.calc-modes span{display:block;text-align:center;background:#f5f3f1;border:1px solid #e5e0dc;border-radius:5px;padding:10px 5px;color:#414244;font-size:12px}.calc-modes input:checked+span{background:#251f20;color:white;border-color:#251f20}.calc-modes input:focus-visible+span{outline:3px solid #bd8c96;outline-offset:2px}.calculator-fields [hidden]{display:none}.calculator input:focus,.calculator select:focus{outline:2px solid #ba7582;outline-offset:1px}.rate-source{font-size:12px;line-height:1.45;color:#686567;margin:16px 0 0}.rate-source a,.original-calculator{color:#a80b27;text-decoration:underline;text-underline-offset:3px}.original-calculator{font-size:14px;font-weight:700}.result-detail{font-weight:600}.calculator-result strong{text-wrap:balance}@media(max-width:380px){.calc-modes label{min-width:85px}}
@media(max-width:720px){.calc-modes{flex-wrap:nowrap}.calc-modes label{min-width:0;flex:1}.calc-modes span{font-size:11px;line-height:1.2;min-height:39px;display:flex;align-items:center;justify-content:center}}
.payment-visual{margin-top:28px;max-width:490px;background:#fff;border:1px solid #e8e0dc;border-radius:12px;padding:23px;box-shadow:0 12px 36px #1c1c1c0b}.visual-heading{display:flex;justify-content:space-between;align-items:center;color:#a80b27;font-size:10px;font-weight:700;letter-spacing:.15em}.visual-heading span:last-child{font-size:22px}.visual-body{display:flex;align-items:center;gap:25px;margin-top:12px}.payment-donut{display:grid;place-items:center;width:150px;aspect-ratio:1;flex:none;border-radius:50%;background:#eee8e4}.donut-center{width:72%;aspect-ratio:1;background:#fff;border-radius:50%;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center}.donut-center strong{font:700 24px Georgia,serif}.donut-center span{font-size:10px;color:#777;margin-top:4px}.visual-legend{flex:1;min-width:0}.visual-legend div{display:grid;grid-template-columns:9px 1fr auto;align-items:center;gap:8px;font-size:11px;padding:7px 0;color:#595557;border-bottom:1px solid #f0ece9}.visual-legend div:last-child{border:0}.visual-legend i{width:8px;height:8px;border-radius:50%;background:#af0928}.visual-legend div:nth-child(2) i{background:#d48d98}.visual-legend div:nth-child(3) i{background:#b9a69c}.visual-legend div:nth-child(4) i{background:#ded5ce}.visual-legend strong{font-size:11px;color:#262121}.visual-hint{font-size:12px;color:#777;margin:14px 0 0}@media(max-width:420px){.payment-visual{padding:18px}.visual-body{gap:15px}.payment-donut{width:112px}.donut-center strong{font-size:19px}.visual-legend div{font-size:10px;gap:5px}.visual-legend strong{font-size:10px}}
.calculator-result{position:absolute!important;width:1px;height:1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap;padding:0!important;margin:0!important;border:0!important}
.visual-disclaimer{font-size:11px;line-height:1.4;color:#777;margin:8px 0 0}
.loan-summary{grid-column:1/-1;background:#fff;border-radius:10px;border:1px solid #e5dfdb;max-width:1400px;width:100%;margin:18px auto 0;padding:0 25px}.loan-summary[hidden]{display:none}.loan-summary summary{cursor:pointer;display:flex;justify-content:space-between;gap:15px;align-items:center;padding:22px 0;font:700 20px Georgia,serif}.loan-summary summary span{font-family:Arial;color:#ad0020}.summary-content{border-top:1px solid #e9e3df;padding:22px 0}.summary-content p{color:#605b5b;font-size:13px}.summary-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:20px 0 30px}.summary-grid>div{background:#f7f5f2;padding:14px;border-radius:5px}.summary-grid span{display:block;font-size:11px;color:#6b6363;margin-bottom:7px}.summary-grid strong{font:700 20px Georgia,serif}.schedule-scroll{overflow-x:auto}.schedule-scroll table{border-collapse:collapse;width:100%;font-size:13px;min-width:480px}.schedule-scroll th,.schedule-scroll td{text-align:right;padding:10px;border-bottom:1px solid #eee}.schedule-scroll th:first-child,.schedule-scroll td:first-child{text-align:left}.print-summary{border:1px solid #a90b27;background:white;color:#a90b27;border-radius:5px;padding:11px 15px;margin-top:20px;font-weight:700;cursor:pointer}.calculator-fields select{margin-top:6px}@media(max-width:720px){.summary-grid{grid-template-columns:repeat(2,1fr)}.loan-summary{padding:0 18px}.loan-summary summary{font-size:18px}}@media print{body>*:not(main),main>section:not(.payment-planner),.payment-planner>.planner-intro,.payment-planner>.calculator{display:none!important}.payment-planner{display:block;padding:0;background:white}.loan-summary{display:block!important;border:0}.print-summary{display:none}}
.payment-planner{row-gap:24px}
.payment-planner{grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);column-gap:8%}.payment-planner>.calculator{grid-column:1;grid-row:1}.payment-planner>.planner-intro{grid-column:2;grid-row:1}.payment-planner>.loan-summary{grid-row:2}@media(max-width:720px){.payment-planner{grid-template-columns:1fr}.payment-planner>.planner-intro{grid-column:1;grid-row:1}.payment-planner>.calculator{grid-column:1;grid-row:2}.payment-planner>.loan-summary{grid-row:3}}
@media(max-width:720px){.calculator button[type=submit] span{font-size:0}.calculator button[type=submit] span::after{content:'↑';font-size:16px}}
.payment-planner{grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr)}.payment-planner>.planner-intro{grid-column:1;grid-row:1}.payment-planner>.calculator{grid-column:2;grid-row:1}@media(max-width:720px){.payment-planner{grid-template-columns:1fr}.payment-planner>.planner-intro{grid-column:1;grid-row:1}.payment-planner>.calculator{grid-column:1;grid-row:2}}
.payment-planner{grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr)}.payment-planner>.calculator{grid-column:1;grid-row:1}.payment-planner>.planner-intro{grid-column:2;grid-row:1;max-width:none}.payment-visual{max-width:none}@media(max-width:720px){.payment-planner{grid-template-columns:1fr}.payment-planner>.calculator{grid-column:1;grid-row:1}.payment-planner>.planner-intro{grid-column:1;grid-row:2}.payment-planner>.loan-summary{grid-row:3}.calculator button[type=submit] span::after{content:'↓'}}
.calculator-fields label:has(select){display:grid;grid-template-columns:minmax(0,1fr) auto;column-gap:5px;align-items:end}.calculator-fields label:has(select)>input{grid-column:1;grid-row:2}.calculator-fields label:has(select)>select{grid-column:2;grid-row:2;width:auto;max-width:118px;padding:0 5px;font-size:12px}.calculator-fields label:has(>select:only-child){display:block}.calculator-fields label:has(>select:only-child)>select{width:100%;max-width:none}.calculator-top{margin-bottom:12px}.calc-modes{margin-bottom:14px}.calculator-fields{gap:9px 10px}.calculator input,.calculator select{height:38px;margin-top:4px}.rate-source{margin-top:10px}.calculator button{margin-top:12px}.calculator{padding:22px}@media(max-width:380px){.calculator-fields{grid-template-columns:repeat(2,minmax(0,1fr))}.calculator-fields label:has(select){grid-template-columns:minmax(0,1fr)}.calculator-fields label:has(select)>select{grid-column:1;grid-row:3;max-width:none;width:100%}}
.calculator-fields label:has(input+select){grid-column:1/-1;grid-template-columns:minmax(0,1fr) minmax(92px,115px)}.calculator-fields label:has(input+select)>select{width:100%;max-width:none}.calc-modes{flex-wrap:nowrap}.calc-modes label{min-width:0}.calc-modes span{font-size:11px;padding-inline:3px}.calculator-top h3{text-wrap:balance}@media(max-width:380px){.calculator-fields label:has(input+select){grid-template-columns:minmax(0,1fr) minmax(86px,100px)}.calculator-fields label:has(input+select)>select{grid-column:2;grid-row:2}}
.calculator-fields label:has(input+select){grid-column:auto;grid-template-columns:minmax(0,1fr) 58px}.calculator-fields label:has(input+select)>select{font-size:11px;padding:0 2px}.calculator-fields label{font-size:12px;min-width:0}.calculator{padding:18px}.calculator-top{margin-bottom:9px}.calculator-top h3{font-size:23px;line-height:1.05}.calculator-mark{width:38px;height:38px;font-size:22px}.calc-modes{margin-bottom:9px}.calc-modes legend{margin-bottom:5px}.calculator-fields{gap:7px 8px}.calculator input,.calculator select{height:34px}.rate-source{font-size:11px;line-height:1.25;margin-top:8px}.calculator button{margin-top:8px;padding:10px 14px}@media(max-width:380px){.calculator-fields label:has(input+select){grid-column:auto;grid-template-columns:minmax(0,1fr) 54px}}
.calculator-fields label:has(input+select)>span{grid-column:1/-1;grid-row:1}
.payment-planner>.calculator,.payment-planner>.planner-intro{align-self:start}.calculator-fields label{font-size:11px}.payment-planner{padding-bottom:48px}.calculator-fields label:has(input+select)>span{white-space:nowrap}.calc-modes span{white-space:nowrap}
@media(min-width:721px){.payment-planner>.calculator{align-self:stretch;display:flex;flex-direction:column}.payment-planner>.calculator .calc-modes{margin-bottom:16px}.payment-planner>.calculator .calculator-fields{row-gap:12px}.payment-planner>.calculator .rate-source{margin-top:auto;padding-top:12px}.payment-planner>.calculator button[type=submit]{align-self:flex-start;margin-top:12px}}
@media(min-width:721px){.payment-planner>.calculator .calculator-fields{flex:1;align-content:space-evenly}.payment-planner>.calculator .rate-source{margin-top:0}}
.calculator,.calculator h3,.calculator legend,.calculator label,.calculator input,.calculator select,.calculator button,.calculator p{font-family:Arial,sans-serif}.calculator input[readonly]{background:#f1efed;color:#575252}
.calculator-fields input,.calculator-fields select,.calculator-fields label:has(select)>select{font-family:Arial,sans-serif;font-size:15px;font-weight:400;line-height:normal}
.calculator{container-type:inline-size}.calculator-fields input{min-width:0;padding-left:6px;padding-right:6px}.calculator-fields label:has(input+select){grid-template-columns:minmax(0,1fr) 62px}.calculator-fields label:has(input+select)>span{white-space:normal}.rate-source a{white-space:nowrap}@container (max-width:290px){.calculator-fields{grid-template-columns:1fr}.calculator-fields label:has(input+select){grid-template-columns:minmax(0,1fr) 76px}.calculator-fields label:has(input+select)>select{grid-column:2;grid-row:2}}
.rate-source p{font-size:11px;line-height:1.35;margin:0}.rate-source p+p{margin-top:6px}
.calculator .calculator-fields label:has(input+select)>select{font-family:Arial,sans-serif;font-size:15px;font-weight:400;line-height:normal}
.buyer-tools-callout{max-width:1400px;margin:30px auto 0;padding:26px 30px;border-radius:10px;background:#f2eeea;display:flex;align-items:center;justify-content:space-between;gap:25px}.buyer-tools-callout h3{font-size:24px;margin:0 0 8px}.buyer-tools-callout p:not(.eyebrow){color:#5c6066;margin:0;max-width:650px}.buyer-tools-callout .button{white-space:nowrap}@media(max-width:650px){.buyer-tools-callout{align-items:flex-start;flex-direction:column;padding:22px}.buyer-tools-callout .button{white-space:normal}}
.faq .faq-answer p{font-size:15px;line-height:1.65;text-wrap:pretty}
.faq-answer a{color:#af0027;text-decoration:underline;text-underline-offset:3px}
.faq-answer .faq-help{padding:15px 17px;background:#fff;border-left:3px solid #bd002a;border-radius:0 8px 8px 0;color:#393638}
.faq-help>strong{display:block;color:#222;font-size:14px;margin-bottom:4px}
.faq-actions{display:flex;gap:12px 24px;align-items:baseline;flex-wrap:wrap}
.faq-answer .faq-next{display:inline-block;font-size:14px;font-weight:700;margin-top:16px;line-height:1.5;text-decoration:none}
.faq-actions>a:not(.faq-next){font-size:14px}
.faq-head>.text-link{display:inline-block;margin-top:12px}
.faq summary{text-wrap:balance}
.guide-grid.community-stories{grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.community-stories article{display:flex;flex-direction:column;min-width:0;border-radius:0 0 10px 10px}
.community-stories h3{text-wrap:balance;font-size:27px;margin-bottom:10px}
.community-stories .community-hook{font:700 18px/1.35 Georgia,serif;color:#292426;text-wrap:balance;margin:0 0 15px}
.community-stories p{line-height:1.65;text-wrap:pretty}
.community-stories .community-help{padding-top:12px;border-top:1px solid #eee7e2;color:#494446}
.community-links{display:flex;flex-direction:column;gap:8px;margin:10px 0 20px;font:13px/1.5 Arial,sans-serif}
.community-links a{color:#8b1a31;text-decoration:underline;text-underline-offset:3px}
.community-stories .community-cta{display:block;margin-top:auto;font:bold 14px/1.5 Arial,sans-serif;color:#b90020;text-wrap:balance}
.community-footnote{max-width:900px;margin:12px auto 24px;font-size:12px;line-height:1.6;color:#66615e;text-align:center;text-wrap:pretty}
@media(max-width:1150px){.guide-grid.community-stories{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:650px){.guide-grid.community-stories{grid-template-columns:1fr}.community-stories article{padding:25px}.community-stories .community-hook{font-size:19px}.community-stories p{font-size:15px}}
.community-stories .community-hook{min-height:2.7em}

/* Prose wrapping: avoid stranded final words without clipping text. */
p,li{ text-wrap:pretty }.section-heading p,.area-intro,.guide-head>p{ text-wrap:balance }.area-intro{max-width:52ch}
