.readiness-page .site-header nav .active-page{color:var(--blue)}
.readiness-hero{min-height:680px;padding:90px clamp(24px,7vw,112px);display:grid;grid-template-columns:minmax(0,1.3fr) minmax(300px,.7fr);gap:clamp(40px,7vw,100px);align-items:center;color:#fff;background:linear-gradient(110deg,rgba(36,95,133,.97) 0%,rgba(36,95,133,.89) 55%,rgba(36,95,133,.7) 100%),url("toronto-homeownership-hero.webp") center/cover no-repeat}
.readiness-hero-copy{max-width:850px}.readiness-hero-copy h1{font-size:clamp(3.3rem,5.8vw,6.6rem)}.readiness-hero-copy h1 span{color:#71c8ee}.readiness-hero-copy>p:not(.eyebrow){max-width:730px;margin:25px 0 30px;color:#d5e4ed;font-size:1.15rem;line-height:1.7}
.readiness-summary{padding:38px;background:rgba(255,255,255,.94);color:var(--ink);border-top:6px solid var(--red);box-shadow:0 25px 55px rgba(0,0,0,.25)}.readiness-summary>span{color:var(--blue);font-size:.7rem;font-weight:900;letter-spacing:.15em}.readiness-summary>strong{display:block;margin:10px 0 20px;color:var(--navy);font-size:1.65rem;line-height:1.18}.readiness-summary ul{padding:0;margin:0;list-style:none}.readiness-summary li{padding:11px 0 11px 25px;border-top:1px solid var(--line);position:relative}.readiness-summary li:before{content:"";position:absolute;left:2px;top:19px;width:9px;height:9px;border-radius:50%;background:var(--blue)}
.approval-path,.buyer-comparison,.document-checklist{padding:100px clamp(24px,7vw,112px)}.readiness-heading{max-width:880px}.readiness-heading>p:last-child{max-width:760px;color:var(--muted);font-size:1.05rem}.approval-path ol{list-style:none;padding:0;margin:50px 0 28px;display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.approval-path li{min-height:265px;padding:28px 24px;background:var(--ice);border-top:5px solid #95adbb}.approval-path li:nth-child(4){background:var(--content-blue);border-color:#4ab7e4}.approval-path li>span{display:grid;width:48px;height:48px;place-items:center;border-radius:50%;background:#fff;color:var(--blue);font-weight:900}.approval-path li b{display:block;margin:24px 0 9px;color:var(--navy);font-size:1.1rem}.approval-path li p{margin:0;color:var(--muted);font-size:.9rem}.approval-path li:nth-child(4) b{color:#fff}.approval-path li:nth-child(4) p{color:#c4d6e2}.approval-caution{margin:0;padding:20px 24px;background:#dcecf4;color:var(--ink)}
.ratio-explainer{padding:100px clamp(24px,7vw,112px);background:var(--content-blue);color:#fff}.light-heading h2{color:#fff}.light-heading>p:last-child{color:#c3d6e3}.ratio-cards{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:48px}.ratio-cards article{padding:42px;background:#fff;color:var(--ink);border-top:6px solid #85a8ba}.ratio-cards .ratio-card-featured{background:#245f85;color:#fff;border-color:#4ec2f0}.ratio-cards article>span{color:var(--red);font-size:3.5rem;font-weight:900;line-height:1}.ratio-cards h3{margin:10px 0 8px;color:var(--navy);font-size:1.45rem}.ratio-cards p,.ratio-cards li{color:var(--muted)}.ratio-card-featured h3{color:#fff}.ratio-card-featured p,.ratio-card-featured li{color:#d4e3ec}.ratio-cards ul{padding-left:20px;min-height:145px}.ratio-formula{margin-top:24px;padding:15px;background:var(--ice);color:var(--navy);font-weight:900;text-align:center}.ratio-card-featured .ratio-formula{background:#245f85;color:#fff}.ratio-formula i{padding:0 8px;color:var(--red);font-style:normal}.ratio-benchmark{margin:24px 0 0;padding:18px 22px;border:1px solid #315877;color:#bed1de;font-size:.87rem}.ratio-benchmark strong{color:#fff}
.buyer-comparison{background:linear-gradient(135deg,#f0f7fa,#fff)}.comparison-intro{max-width:900px}.comparison-intro>p:last-child{max-width:780px;color:var(--muted);font-size:1.05rem}.buyer-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:45px}.buyer-card{padding:36px;background:#fff;border-top:6px solid var(--blue);box-shadow:0 16px 42px rgba(7,39,68,.1)}.buyer-b{border-color:var(--red)}.buyer-label{display:flex;align-items:center;gap:16px}.buyer-label>span{display:grid;width:58px;height:58px;place-items:center;border-radius:50%;background:var(--content-blue);color:#fff;font-size:1.6rem;font-weight:900}.buyer-label div{display:grid}.buyer-label b{color:var(--navy);font-size:1.35rem}.buyer-label small{color:var(--muted)}.buyer-card dl{margin:28px 0}.buyer-card dl>div{display:flex;justify-content:space-between;gap:20px;padding:10px 0;border-top:1px solid var(--line)}.buyer-card dt{color:var(--muted)}.buyer-card dd{margin:0;color:var(--navy);font-weight:900}.ratio-result{padding:22px;background:var(--ice)}.ratio-result>div{display:grid;grid-template-columns:45px 55px 1fr;gap:10px;align-items:center;margin:12px 0}.ratio-result span{color:var(--navy);font-weight:900}.ratio-result b{color:var(--blue);font-size:1.2rem}.ratio-result i{height:10px;overflow:hidden;background:#cfdee5;border-radius:99px}.ratio-result em{display:block;height:100%;background:var(--blue);border-radius:inherit}.ratio-result .higher b{color:var(--red)}.ratio-result .higher em{background:var(--red)}.buyer-card>p{margin:22px 0 0;color:var(--muted)}.comparison-takeaway{margin-top:24px;padding:28px 34px;display:grid;grid-template-columns:180px 1fr;gap:28px;align-items:center;background:var(--content-blue);color:#fff}.comparison-takeaway strong{font-size:1.35rem}.comparison-takeaway p{margin:0;color:#c7dae6}
.document-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:44px}.document-grid article{padding:30px;background:var(--ice);border-bottom:4px solid var(--navy)}.document-grid span{color:var(--blue);font-weight:900}.document-grid h3{margin:18px 0 8px;color:var(--navy)}.document-grid p{margin:0;color:var(--muted);font-size:.9rem}.readiness-contact{padding:72px clamp(24px,7vw,112px);display:grid;grid-template-columns:1fr auto;gap:50px;align-items:center;background:#245f85;color:#fff}.readiness-contact h2{color:#fff;max-width:850px}.readiness-contact p:not(.eyebrow){max-width:780px;color:#d3e1e9}.readiness-contact .btn{white-space:nowrap}
@media(max-width:1050px){.readiness-hero{grid-template-columns:1fr}.readiness-summary{max-width:650px}.approval-path ol{grid-template-columns:repeat(3,1fr)}.document-grid{grid-template-columns:1fr 1fr}}
@media(max-width:760px){.readiness-hero{min-height:0;padding:70px 20px}.readiness-hero-copy h1{font-size:3.25rem}.approval-path,.ratio-explainer,.buyer-comparison,.document-checklist{padding:70px 20px}.approval-path ol,.ratio-cards,.buyer-grid,.document-grid{grid-template-columns:1fr}.approval-path li{min-height:0}.comparison-takeaway,.readiness-contact{grid-template-columns:1fr}.comparison-takeaway{gap:10px}.readiness-contact{padding:60px 20px}.readiness-contact .btn{justify-self:start}.ratio-cards ul{min-height:0}}