.page-hero {
  min-height: 520px;
  padding: 90px clamp(24px, 7vw, 112px);
  display: flex;
  align-items: center;
  color: #fff;
  background-size: cover;
  background-position: center;
}

.payment-schedule{margin-top:2rem;padding:clamp(1.25rem,3vw,2rem);background:#fff;border:1px solid rgba(12,35,64,.14);border-radius:20px;color:#10243d}.payment-schedule-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:1.5rem;margin-bottom:1.25rem}.payment-schedule-heading h3{margin:.25rem 0 .45rem;font-size:clamp(1.35rem,2.3vw,2rem)}.payment-schedule-heading p{margin:0}.payment-schedule-actions{display:flex;flex-wrap:wrap;gap:.65rem}.payment-schedule-table-wrap{overflow-x:auto;border:1px solid rgba(12,35,64,.12);border-radius:14px}.payment-schedule table{width:100%;border-collapse:collapse;min-width:920px}.payment-schedule th,.payment-schedule td{padding:.8rem .75rem;border-bottom:1px solid rgba(12,35,64,.1);text-align:right;white-space:nowrap}.payment-schedule th{background:#245f85;color:#fff;font-size:.8rem;letter-spacing:.03em}.payment-schedule th:first-child,.payment-schedule th:nth-child(2),.payment-schedule td:first-child,.payment-schedule td:nth-child(2){text-align:left}.payment-schedule tbody tr:nth-child(even){background:#f4f7fa}.payment-schedule tbody tr:last-child td{border-bottom:0}.payment-schedule .schedule-row-hidden{display:none}.payment-schedule-note{margin:1rem 0 0;font-size:.9rem;color:#526173}@media(max-width:720px){.payment-schedule-heading{align-items:stretch;flex-direction:column}.payment-schedule-actions .btn{flex:1 1 100%}}

@media print{body[data-page="debt-management"] .topbar,body[data-page="debt-management"] .site-header,body[data-page="debt-management"] main>section:not(.debt-calculator),body[data-page="debt-management"] footer,body[data-page="debt-management"] .calculator-heading,body[data-page="debt-management"] .debt-calc-shell,body[data-page="debt-management"] .debt-calculator>.calculator-note,body[data-page="debt-management"] .payment-schedule-actions{display:none!important}body[data-page="debt-management"] .debt-calculator{padding:0!important;background:#fff!important}body[data-page="debt-management"] .payment-schedule{display:block!important;margin:0;padding:0;border:0;box-shadow:none}body[data-page="debt-management"] .payment-schedule-table-wrap{overflow:visible;border:0}body[data-page="debt-management"] .payment-schedule table{min-width:0;font-size:9pt}body[data-page="debt-management"] .payment-schedule .schedule-row-hidden{display:table-row}body[data-page="debt-management"] .payment-schedule th,body[data-page="debt-management"] .payment-schedule td{padding:5px 4px;color:#000;background:#fff;border-color:#bbb}body[data-page="debt-management"] .payment-schedule th{font-weight:700}body[data-page="debt-management"] .payment-schedule tr{break-inside:avoid}body[data-page="debt-management"] .payment-schedule thead{display:table-header-group}}
.page-hero > div {
  max-width: 820px;
}
.page-hero h1 {
  font-size: clamp(3.2rem, 6vw, 6.4rem);
  line-height: 0.95;
}
.page-hero h1 span {
  color: #75cff2;
}
.page-hero p:not(.eyebrow) {
  max-width: 700px;
  color: #d7e6ee;
  font-size: 1.12rem;
}
.home-page-hero {
  background-image:
    linear-gradient(
      90deg,
      rgba(36,95,133,0.96),
      rgba(40,109,151,0.65),
      rgba(40,109,151,0.12)
    ),
    url("toronto-homeownership-hero.webp");
}
.down-page-hero {
  background-image:
    linear-gradient(
      90deg,
      rgba(36,95,133,0.96),
      rgba(40,109,151,0.7),
      rgba(40,109,151,0.15)
    ),
    url("first-home-arrival.webp");
}
.mortgage-page-hero,
.buying-page-hero {
  background-image:
    linear-gradient(
      90deg,
      rgba(36,95,133,0.96),
      rgba(40,109,151,0.7),
      rgba(40,109,151,0.15)
    ),
    url("home-buying-process.webp");
}
.events-page-hero,
.faq-page-hero {
  background-image:
    linear-gradient(
      90deg,
      rgba(36,95,133,0.96),
      rgba(40,109,151,0.7),
      rgba(40,109,151,0.15)
    ),
    url("toronto-homeownership-hero.webp");
}
.path-grid {
  padding: 90px clamp(24px, 7vw, 112px);
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.path-grid a {
  min-height: 260px;
  padding: 30px;
  display: flex;
  flex-direction: column;
  text-decoration: none;
  background: #edf6fa;
  border-top: 6px solid var(--blue);
  transition: 0.2s;
}
.path-grid a:hover {
  transform: translateY(-5px);
  box-shadow: 0 18px 40px rgba(7, 39, 68, 0.14);
}
.path-grid h2 {
  font-size: 1.6rem;
}
.path-grid p {
  color: var(--muted);
}
.path-grid b {
  margin-top: auto;
  color: var(--red);
}
.content-section {
  padding: 90px clamp(24px, 7vw, 112px);
}
.content-section.alt {
  background: #edf6fa;
}
.info-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 40px;
}
.info-grid article {
  padding: 30px;
  background: #fff;
  border-top: 5px solid var(--blue);
  box-shadow: 0 12px 30px rgba(7, 39, 68, 0.08);
}
.info-grid h3 {
  color: var(--navy);
}
.info-grid p {
  color: var(--muted);
}
.offer-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 14px;
  margin-top: 40px;
}
.offer-grid article {
  padding: 24px;
  background: #edf6fa;
  border-bottom: 4px solid var(--navy);
}
.contact-footer {
  display: grid;
  gap: 6px;
}
.contact-footer a {
  color: #fff;
  text-decoration: none;
}
.site-header nav a.active {
  color: var(--blue);
}
.footer-links {
  align-content: start;
}
.objectives {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
  margin-top: 40px;
}
.objectives article {
  padding: 34px;
  background: #fff;
  border: 1px solid #d8e5eb;
}
.triangle-panel {
  padding: 70px clamp(24px, 7vw, 112px);
  background: var(--content-blue);
  color: #fff;
}
.triangle-panel h2 {
  color: #fff;
}
.triangle-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 35px;
}
.triangle-row article {
  padding: 30px;
  background: #245f85;
}
.triangle-row p {
  color: #c7dae5;
}
.conditions-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 40px;
}
.conditions-grid article {
  padding: 32px;
  background: #fff;
  border-top: 5px solid var(--red);
}
.conditions-grid h3 {
  color: var(--navy);
}
@media (max-width: 900px) {
  .path-grid,
  .info-grid,
  .offer-grid,
  .triangle-row,
  .conditions-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 700px) {
  .page-hero {
    min-height: 0;
    padding: 70px 20px;
  }
  .path-grid,
  .content-section,
  .triangle-panel {
    padding: 65px 20px;
  }
  .path-grid,
  .info-grid,
  .offer-grid,
  .triangle-row,
  .conditions-grid,
  .objectives {
    grid-template-columns: 1fr;
  }
  .page-hero h1 {
    font-size: 3.2rem;
  }
}
.page-hero {
  min-height: clamp(600px, 100svh, 760px);
  padding: clamp(145px, 18vh, 185px) clamp(24px, 7vw, 112px)
    clamp(65px, 9vh, 95px);
}
.page-hero > div {
  max-width: 780px;
}
.page-hero h1 {
  font-size: clamp(3.2rem, 5.6vw, 5.9rem);
  line-height: 0.98;
}
.page-hero p:not(.eyebrow) {
  max-width: 660px;
  margin: 24px 0 28px;
  font-size: clamp(1rem, 1.25vw, 1.15rem);
}
.page-hero .eyebrow {
  margin-bottom: 18px;
}
.home-page-hero > div {
  animation: hero-rise 0.7s ease both;
}
@keyframes hero-rise {
  from {
    opacity: 0;
    transform: translateY(18px);
  }
  to {
    opacity: 1;
    transform: none;
  }
}
.journey-finder {
  padding: 100px clamp(24px, 7vw, 112px);
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 70px;
  align-items: start;
  background: linear-gradient(135deg, #fff 0%, #eef7fb 100%);
}
.finder-intro {
  position: static;
}
.finder-intro h2 {
  font-size: clamp(2.5rem, 4vw, 4.3rem);
}
.finder-intro > p:last-child {
  max-width: 560px;
  color: var(--muted);
  font-size: 1.05rem;
}
.finder-card {
  padding: 38px;
  background: #fff;
  box-shadow: 0 20px 55px rgba(7, 39, 68, 0.13);
  border-top: 6px solid var(--blue);
}
.finder-progress {
  display: flex;
  gap: 8px;
  margin-bottom: 30px;
}
.finder-progress span {
  height: 5px;
  flex: 1;
  background: #dce8ee;
}
.finder-progress span.active {
  background: var(--blue);
}
.finder-question {
  margin: 0 0 24px;
  color: var(--navy);
  font-size: 1.35rem;
  font-weight: 900;
}
.finder-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.finder-options button {
  min-height: 125px;
  padding: 22px;
  text-align: left;
  border: 1px solid #d6e3e9;
  background: #f5f9fb;
  color: var(--navy);
  cursor: pointer;
  transition: 0.2s;
}
.finder-options button[data-path="debt"] {
  grid-column: 1/-1;
  border-left: 5px solid var(--red);
}
.finder-options button:hover,
.finder-options button:focus-visible {
  transform: translateY(-3px);
  border-color: var(--blue);
  background: #e8f5fb;
  box-shadow: 0 12px 25px rgba(7, 39, 68, 0.1);
}
.finder-options b,
.finder-options span {
  display: block;
}
.finder-options b {
  font-size: 1rem;
}
.finder-options span {
  margin-top: 7px;
  color: var(--muted);
  font-size: 0.88rem;
}
.finder-options-small button {
  min-height: 96px;
}
.finder-back {
  margin-top: 20px;
  border: 0;
  background: none;
  color: var(--blue);
  font-weight: 800;
  cursor: pointer;
}
.finder-result {
  padding: 10px 0;
}
.finder-result h3 {
  margin: 8px 0 12px;
  color: var(--navy);
  font-size: 2.1rem;
}
.finder-result > p:not(.eyebrow) {
  color: var(--muted);
  font-size: 1.02rem;
}
.finder-result .finder-back {
  display: block;
}
.contact-footer {
  position: relative;
  padding-right: 105px;
  min-height: 92px;
}
.contact-footer img {
  position: absolute;
  right: 0;
  top: 50%;
  width: 86px;
  max-height: 86px;
  object-fit: contain;
  transform: translateY(-50%);
  filter: brightness(0) invert(1);
  opacity: 0.95;
}
@media (max-width: 900px) {
  .journey-finder {
    grid-template-columns: 1fr;
    gap: 35px;
  }
  .finder-intro {
    position: static;
  }
}
@media (max-width: 700px) {
  .page-hero {
    min-height: 100svh;
    padding: 125px 20px 60px;
  }
  .page-hero h1 {
    font-size: clamp(3rem, 15vw, 4.2rem);
  }
  .journey-finder {
    padding: 65px 20px;
  }
  .finder-options {
    grid-template-columns: 1fr;
  }
  .finder-card {
    padding: 25px 20px;
  }
  .finder-options button {
    min-height: 105px;
  }
  .contact-footer {
    padding-right: 84px;
  }
  .contact-footer img {
    width: 68px;
  }
}

/* Image-backed chapter breaks give long educational pages a clear visual rhythm. */
.visual-break {
  position: relative;
  isolation: isolate;
  min-height: clamp(230px, 30vw, 340px);
  padding: 55px clamp(24px, 7vw, 112px);
  display: flex;
  align-items: center;
  overflow: hidden;
  color: #fff;
  background-size: cover;
  background-position: center;
}
.visual-break::before {
  content: "";
  position: absolute;
  z-index: -1;
  inset: 0;
  background: linear-gradient(
    90deg,
    rgba(36,95,133,0.94) 0%,
    rgba(36,95,133,0.78) 52%,
    rgba(40,109,151,0.38) 100%
  );
}
.visual-break > div {
  max-width: 720px;
}
.visual-break h2 {
  margin: 0.35rem 0 0.65rem;
  color: #fff;
  font-size: clamp(2rem, 3.7vw, 3.7rem);
  line-height: 1.03;
}
.visual-break p:last-child {
  max-width: 620px;
  margin: 0;
  color: #d8e8f1;
  font-size: 1.05rem;
}
.visual-break .eyebrow {
  color: #78d4f4;
}
.break-savings,
.break-ratios,
.break-search,
.break-protection {
  background-image: url("first-home-arrival.webp");
}
.break-momentum,
.break-approval,
.break-numbers,
.break-offer,
.break-closing {
  background-image: url("toronto-homeownership-hero.webp");
}
.break-momentum,
.break-offer {
  background-position: center 64%;
}
.break-protection {
  background-position: center 48%;
}

/* Brokerage and personal marks frame the contact details on every page. */
.contact-footer {
  position: relative;
  display: grid;
  grid-template-columns: minmax(110px, 145px) minmax(170px, 1fr) minmax(
      115px,
      150px
    );
  align-items: center;
  gap: 18px;
  padding: 0;
  min-height: 112px;
}
.contact-footer .footer-contact-copy {
  display: grid;
  gap: 6px;
}
.contact-footer .footer-partner-logo {
  position: static;
  display: block;
  width: 100%;
  max-height: 92px;
  padding: 9px;
  object-fit: contain;
  transform: none;
  filter: none;
  opacity: 1;
  background: #fff;
  border-radius: 5px;
}
.contact-footer .footer-remax-logo {
  max-height: 84px;
}
.contact-footer .footer-rl-logo {
  max-height: 92px;
}
@media (max-width: 700px) {
  .visual-break {
    min-height: 250px;
    padding: 48px 20px;
    background-attachment: scroll;
  }
  .contact-footer {
    grid-template-columns: minmax(120px, 1fr) minmax(100px, 135px);
    gap: 14px;
    padding: 0;
  }
  .contact-footer .footer-contact-copy {
    grid-column: 1/-1;
    grid-row: 1;
  }
  .contact-footer .footer-remax-logo {
    grid-column: 1;
    grid-row: 2;
    max-width: 145px;
  }
  .contact-footer .footer-rl-logo {
    grid-column: 2;
    grid-row: 2;
    justify-self: end;
  }
}

/* Distinct photography for the two decision-heavy buyer stages. */
.mortgage-page-hero {
  background-image:
    linear-gradient(
      90deg,
      rgba(36,95,133,0.97) 0%,
      rgba(36,95,133,0.8) 38%,
      rgba(36,95,133,0.2) 72%,
      rgba(36,95,133,0.04) 100%
    ),
    url("mortgage-approval-celebration-hero.webp");
  background-position: center 50%;
}
.buying-page-hero {
  background-image:
    linear-gradient(
      90deg,
      rgba(36,95,133,0.96),
      rgba(40,109,151,0.66),
      rgba(40,109,151,0.12)
    ),
    url("first-home-arrival.webp");
  background-position: center 48%;
}
.break-approval,
.break-ratios,
.break-numbers {
  background-image: url("mortgage-consultation-stock.jpg");
}
.break-approval {
  background-position: center 44%;
}
.break-ratios {
  background-position: center 58%;
}
.break-numbers {
  background-position: center 72%;
}
.break-search,
.break-offer,
.break-protection,
.break-closing {
  background-image: url("first-home-arrival.webp");
}
.break-search {
  background-position: center 35%;
}
.break-offer {
  background-position: center 50%;
}
.break-protection {
  background-position: center 65%;
}
.break-closing {
  background-position: center 78%;
}
.page-inquiry {
  scroll-margin-top: 100px;
  border-top: 8px solid var(--blue);
}

/* GTA community photography gives every chapter its own sense of place. */
.down-page-hero {
  background-image:
    linear-gradient(
      90deg,
      rgba(36,95,133,0.97) 0%,
      rgba(36,95,133,0.82) 38%,
      rgba(36,95,133,0.2) 72%,
      rgba(36,95,133,0.04) 100%
    ),
    url("downpayment-hopeful-planning-hero.webp");
  background-position: center 50%;
}
.mortgage-page-hero {
  background-image:
    linear-gradient(
      90deg,
      rgba(36,95,133,0.97) 0%,
      rgba(36,95,133,0.8) 38%,
      rgba(36,95,133,0.2) 72%,
      rgba(36,95,133,0.04) 100%
    ),
    url("mortgage-approval-celebration-hero.webp");
  background-position: center 50%;
}
.buying-page-hero {
  background-image:
    linear-gradient(
      90deg,
      rgba(36,95,133,0.96),
      rgba(40,109,151,0.64),
      rgba(40,109,151,0.12)
    ),
    url("community-centre-island.jpg");
  background-position: center 50%;
}
.break-savings {
  background-image: url("community-mimico.jpg");
  background-position: center 54%;
}
.break-momentum {
  background-image: url("community-centre-island.jpg");
  background-position: center 54%;
}
.break-approval {
  background-image: url("community-midtown.jpg");
  background-position: center 46%;
}
.break-ratios {
  background-image: url("community-mississauga.jpg");
  background-position: center 52%;
}
.break-numbers {
  background-image: url("community-north-york.jpg");
  background-position: center 48%;
}
.break-search {
  background-image: url("community-leslieville.jpg");
  background-position: center 55%;
}
.break-offer {
  background-image: url("community-midtown.jpg");
  background-position: center 48%;
}
.break-protection {
  background-image: url("community-durham.jpg");
  background-position: center 48%;
}
.break-closing {
  background-image: url("community-mississauga.jpg");
  background-position: center 55%;
}
.photo-credits {
  grid-column: 1/-1;
  margin-top: 12px;
  color: #7890a1;
  font-size: 0.7rem;
}
.photo-credits summary {
  cursor: pointer;
}
.photo-credits span {
  display: block;
  margin-top: 7px;
  line-height: 1.65;
}
.photo-credits a {
  color: #9db0be;
}
.savings-visual {
  position: relative;
  isolation: isolate;
  background:
    linear-gradient(
      90deg,
      rgba(238, 247, 251, 0.88),
      rgba(255, 255, 255, 0.7),
      rgba(225, 242, 249, 0.56)
    ),
    url("compound-growth-market-graph.webp") center/cover no-repeat;
  color: var(--navy);
}
.savings-visual .section-head {
  max-width: 720px;
}
.savings-visual .section-head h2 {
  color: var(--navy);
  text-shadow: none;
}
.savings-visual .section-head > p:last-child {
  color: #31546b;
  text-shadow: none;
}
.savings-visual .eyebrow {
  color: var(--blue);
}
.savings-visual .info-grid article {
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 18px 45px rgba(13, 24, 34, 0.24);
  backdrop-filter: blur(3px);
}
.approval-process-visual {
  background:
    linear-gradient(
      90deg,
      rgba(214, 233, 242, 0.7),
      rgba(244, 249, 251, 0.54),
      rgba(199, 224, 235, 0.42)
    ),
    url("mortgage-approval-review-background.webp") center/cover no-repeat !important;
}
.approval-process-visual .section-head {
  max-width: 850px;
}
.approval-process-visual .section-head h2 {
  color: #02182a;
  font-weight: 900;
  text-shadow: 0 1px 0 rgba(255, 255, 255, 0.65);
}
.approval-process-visual .section-head .eyebrow {
  color: #a90f20;
}
.approval-process-visual .info-grid article {
  background: rgba(255, 255, 255, 0.93);
  box-shadow: 0 16px 38px rgba(7, 39, 68, 0.16);
  backdrop-filter: blur(3px);
}
.buyer-triangle-responsive {
  position: relative;
  isolation: isolate;
  padding: 90px clamp(24px, 7vw, 112px);
  background: url("buyer-triangle-toronto-home-background.webp") center/cover
    no-repeat;
  color: var(--navy);
}
.buyer-triangle-responsive::before {
  content: "";
  position: absolute;
  z-index: -1;
  inset: 0;
  background: linear-gradient(
    90deg,
    rgba(247, 251, 254, 0.94),
    rgba(247, 251, 254, 0.8) 45%,
    rgba(247, 251, 254, 0.62)
  );
}
.buyer-triangle-heading {
  max-width: 760px;
}
.buyer-triangle-heading h2 {
  margin: 0.15em 0;
  color: var(--navy);
  font-size: clamp(2.8rem, 5vw, 5.1rem);
}
.buyer-triangle-heading > p:last-child {
  max-width: 690px;
  color: #38566b;
  font-size: 1.08rem;
}
.buyer-triangle-diagram {
  position: relative;
  max-width: 1050px;
  min-height: 610px;
  margin: 45px auto 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  grid-template-areas: "price price" "property location";
  align-content: space-between;
  gap: 150px 170px;
}
.buyer-triangle-diagram::before {
  content: "";
  position: absolute;
  z-index: -1;
  left: 50%;
  top: 52%;
  width: 64%;
  height: 66%;
  transform: translate(-50%, -50%);
  clip-path: polygon(50% 0, 0 100%, 100% 100%);
  background: linear-gradient(
    145deg,
    rgba(25, 145, 203, 0.32),
    rgba(40,109,151,0.2)
  );
  filter: drop-shadow(0 14px 25px rgba(7, 39, 68, 0.14));
}
.buyer-factor {
  padding: 28px 30px;
  background: rgba(255, 255, 255, 0.94);
  box-shadow: 0 16px 38px rgba(7, 39, 68, 0.16);
  backdrop-filter: blur(5px);
  border-top: 7px solid var(--blue);
}
.buyer-factor > span {
  color: var(--red);
  font-size: 0.76rem;
  font-weight: 900;
  letter-spacing: 0.12em;
}
.buyer-factor h3 {
  margin: 4px 0 12px;
  color: var(--navy);
  font-size: 1.7rem;
}
.buyer-factor ul {
  margin: 0;
  padding-left: 20px;
  color: #38566b;
}
.buyer-factor li {
  margin: 5px 0;
}
.buyer-factor-price {
  grid-area: price;
  justify-self: center;
  width: min(100%, 410px);
  border-top-color: #168ec9;
}
.buyer-factor-property {
  grid-area: property;
  border-top-color: #ec1c2d;
}
.buyer-factor-location {
  grid-area: location;
  border-top-color: #188352;
}
.buyer-triangle-centre {
  position: absolute;
  z-index: 2;
  left: 50%;
  top: 54%;
  width: 190px;
  height: 190px;
  transform: translate(-50%, -50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 20px;
  text-align: center;
  border-radius: 50%;
  background: #fff;
  border: 8px solid rgba(255, 255, 255, 0.65);
  box-shadow: 0 16px 42px rgba(7, 39, 68, 0.22);
}
.buyer-triangle-centre strong {
  color: var(--navy);
  font-size: 1.35rem;
  line-height: 1.05;
  text-transform: uppercase;
}
.buyer-triangle-centre small {
  margin-top: 9px;
  color: #527086;
  line-height: 1.25;
}
.buyer-triangle-centre::before {
  content: "⌂";
  display: block;
  margin-bottom: 5px;
  color: var(--blue);
  font-size: 2rem;
  font-weight: 900;
}
@media (max-width: 800px) {
  .buyer-triangle-responsive {
    padding: 70px 20px;
    background-position: 62% center;
  }
  .buyer-triangle-responsive::before {
    background: rgba(247, 251, 254, 0.86);
  }
  .buyer-triangle-diagram {
    min-height: 0;
    display: grid;
    grid-template-columns: 1fr;
    grid-template-areas: "centre" "price" "property" "location";
    gap: 16px;
    margin-top: 32px;
  }
  .buyer-triangle-diagram::before {
    display: none;
  }
  .buyer-factor,
  .buyer-factor-price {
    width: 100%;
    justify-self: stretch;
  }
  .buyer-triangle-centre {
    position: relative;
    grid-area: centre;
    left: auto;
    top: auto;
    width: 150px;
    height: 150px;
    margin: 0 auto 8px;
    transform: none;
  }
  .buyer-factor-price {
    grid-area: price;
  }
  .buyer-factor-property {
    grid-area: property;
  }
  .buyer-factor-location {
    grid-area: location;
  }
}
.offer-section {
  background-image: url("offer-review-warm-v2.webp");
}
.closing-costs-section {
  background-image:
    linear-gradient(
      180deg,
      rgba(245, 249, 251, 0.72),
      rgba(245, 249, 251, 0.94) 62%,
      #f5f9fb 100%
    ),
    url("closing-costs-warm-v2.webp");
}

/* Buying page editorial sequence. */
.buyer-triangle-graphic {
  position: relative;
  width: 100%;
  aspect-ratio: 1672/809;
  overflow: hidden;
  background: #f7fbfe;
}
.buyer-triangle-graphic::after {
  content: "";
  position: absolute;
  z-index: 2;
  top: 0;
  left: 0;
  width: 52%;
  height: 17%;
  background: linear-gradient(
    90deg,
    #f7fbfe 0%,
    #f7fbfe 88%,
    rgba(247, 251, 254, 0) 100%
  );
  pointer-events: none;
}
.buyer-triangle-graphic img {
  display: block;
  width: 100%;
  max-width: none;
  height: auto;
  margin: 0;
  box-shadow: none;
}
.offer-section {
  position: relative;
  isolation: isolate;
  background: url("offer-review-warm-v2.webp") center 50% / cover no-repeat;
  color: var(--navy);
}
.offer-section::before {
  content: "";
  position: absolute;
  z-index: -1;
  inset: 0;
  background: linear-gradient(
    90deg,
    rgba(249, 252, 254, 0.97),
    rgba(247, 251, 253, 0.91) 48%,
    rgba(238, 247, 251, 0.76)
  );
}
.offer-section .section-head h2 {
  color: #021a2f;
}
.offer-section .section-head .eyebrow {
  color: #b20f22;
}
.offer-section .section-head > p:last-child {
  color: #294b62;
}
.offer-section .offer-grid article {
  background: rgba(255, 255, 255, 0.96);
  color: var(--ink);
  border-bottom-color: var(--red);
  box-shadow: 0 16px 30px rgba(7, 39, 68, 0.16);
}
.offer-section .offer-grid h3 {
  color: var(--navy);
  font-size: 1.35rem;
}
.conditions-section {
  background: #245f85;
  color: #fff;
}
.conditions-section .section-head {
  max-width: 1000px;
}
.conditions-section .section-head h2 {
  font-size: clamp(2.8rem, 5vw, 5.2rem);
}
.conditions-section .conditions-grid {
  gap: 24px;
}
.conditions-section .conditions-grid article {
  min-height: 255px;
  padding: 38px;
  background: #245f85;
  border: 1px solid #2d638c;
  border-top: 7px solid var(--red);
  box-shadow: 0 18px 35px rgba(0, 0, 0, 0.2);
}
.conditions-section .conditions-grid h3 {
  margin: 0 0 18px;
  color: #fff;
  font-size: clamp(1.6rem, 2.4vw, 2.25rem);
}
.conditions-section .conditions-grid p {
  margin: 0;
  color: #d0e0e9;
  font-size: 1.05rem;
}
.closing-costs-section {
  background:
    linear-gradient(
      135deg,
      rgba(36,95,133,0.97),
      rgba(36,95,133,0.94) 58%,
      rgba(36,95,133,0.9)
    ),
    url("closing-costs-warm-v2.webp") center top/cover no-repeat;
  background-attachment: scroll;
  color: #fff;
}
.closing-costs-section .section-head {
  color: #fff;
}
.closing-costs-section .section-head h2 {
  color: #fff;
}
.closing-costs-section .section-head .eyebrow {
  color: #ff5a67;
}
.closing-costs-section .section-head > p:last-child {
  color: #d8e7ef;
}
.closing-cost-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
  margin: 42px 0 22px;
}
.closing-cost-grid article {
  padding: 30px;
  background: rgba(255, 255, 255, 0.97);
  border-top: 6px solid var(--blue);
  box-shadow: 0 14px 32px rgba(0, 0, 0, 0.24);
  backdrop-filter: blur(3px);
}
.closing-cost-grid article:nth-child(even) {
  border-top-color: var(--red);
}
.closing-cost-grid span {
  display: block;
  color: var(--red);
  font-size: 0.82rem;
  font-weight: 900;
  letter-spacing: 0.11em;
}
.closing-cost-grid h3 {
  margin: 8px 0 12px;
  color: var(--navy);
  font-size: 1.45rem;
}
.closing-cost-grid p {
  margin: 0;
  color: var(--muted);
  font-size: 1rem;
}
.ltt-explanations {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin: 22px 0 28px;
}
.ltt-explanations article {
  padding: 30px;
  background: rgba(255, 255, 255, 0.97);
  border-left: 6px solid var(--blue);
  box-shadow: 0 14px 32px rgba(0, 0, 0, 0.22);
}
.ltt-explanations article:last-child {
  border-left-color: var(--red);
}
.ltt-explanations span {
  color: var(--red);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.14em;
}
.ltt-explanations h3 {
  margin: 8px 0 12px;
  color: var(--navy);
  font-size: 1.45rem;
}
.ltt-explanations p {
  margin: 0;
  color: var(--muted);
}
.closing-costs-section {
  background-image:
    linear-gradient(
      135deg,
      rgba(249, 252, 254, 0.96),
      rgba(241, 248, 252, 0.92) 58%,
      rgba(232, 244, 250, 0.88)
    ),
    url("closing-costs-warm-v2.webp");
  color: var(--ink);
}
.closing-costs-section .section-head {
  color: var(--ink);
}
.closing-costs-section .section-head h2 {
  color: var(--navy);
}
.closing-costs-section .section-head .eyebrow {
  color: var(--red);
}
.closing-costs-section .section-head > p:last-child {
  color: #36556a;
}
@media (max-width: 700px) {
  .offer-section {
    background-position: 58% center;
  }
  .conditions-section .conditions-grid article {
    min-height: 0;
  }
  .closing-cost-grid,
  .ltt-explanations {
    grid-template-columns: 1fr;
  }
  .closing-costs-section {
    padding-left: 20px;
    padding-right: 20px;
  }
}

/* September journey update: two clear starting paths and dedicated learning chapters. */
.journey-finder {
  background:
    linear-gradient(90deg, rgba(255, 255, 255, 0.96), rgba(238, 247, 251, 0.9)),
    url("community-leslieville.jpg") center 58% / cover no-repeat;
}
.finder-options-two {
  grid-template-columns: 1fr 1fr;
}
.finder-options-two button {
  min-height: 180px;
}
.financial-page-hero {
  background-image:
    linear-gradient(
      90deg,
      rgba(36,95,133,0.96),
      rgba(40,109,151,0.66),
      rgba(40,109,151,0.14)
    ),
    url("community-mississauga.jpg");
  background-position: center 48%;
}
.incentives-page-hero {
  background-image:
    linear-gradient(
      90deg,
      rgba(36,95,133,0.96),
      rgba(40,109,151,0.66),
      rgba(40,109,151,0.14)
    ),
    url("community-mimico.jpg");
  background-position: center 54%;
}
.readiness-debt .section-head,
.readiness-down .section-head,
.incentive-details .section-head,
.incentive-next .section-head {
  color: var(--ink);
}
.readiness-debt .section-head h2,
.readiness-down .section-head h2,
.incentive-details .section-head h2,
.incentive-next .section-head h2 {
  color: var(--navy);
}
.readiness-debt .section-head > p:last-child,
.readiness-down .section-head > p:last-child,
.incentive-details .section-head > p:last-child,
.incentive-next .section-head > p:last-child {
  color: var(--muted);
}
.comparison-visual {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(300px, 0.8fr);
  gap: 38px;
  align-items: center;
  margin-top: 42px;
  padding: 30px;
  background: #fff;
  box-shadow: 0 18px 42px rgba(7, 39, 68, 0.11);
}
.comparison-visual img {
  width: 100%;
  max-height: 640px;
  object-fit: contain;
}
.comparison-visual h3 {
  margin: 0 0 14px;
  color: var(--navy);
  font-size: clamp(1.8rem, 2.5vw, 2.7rem);
}
.comparison-visual p {
  color: var(--muted);
}
.readiness-credit,
.incentive-rebates {
  background: linear-gradient(120deg, #245f85, #245f85);
  color: #fff;
}
.readiness-credit .info-grid article {
  background: rgba(255, 255, 255, 0.96);
}
.savings-example,
.incentive-card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 42px;
}
.savings-example article,
.incentive-card-grid article {
  padding: 30px;
  background: #fff;
  border-top: 6px solid var(--blue);
  box-shadow: 0 14px 32px rgba(7, 39, 68, 0.09);
}
.savings-example article:nth-child(2),
.incentive-card-grid article:nth-child(even) {
  border-top-color: var(--red);
}
.savings-example span,
.incentive-card-grid span {
  display: block;
  color: var(--blue);
  font-size: 0.76rem;
  font-weight: 900;
  letter-spacing: 0.12em;
}
.savings-example strong,
.incentive-card-grid strong {
  display: block;
  margin: 8px 0;
  color: var(--navy);
  font-size: clamp(1.6rem, 2.5vw, 2.5rem);
}
.savings-example p,
.incentive-card-grid p {
  margin: 0;
  color: var(--muted);
}
.readiness-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 30px;
}
.readiness-secondary {
  background: var(--content-blue);
  color: #fff;
}
.incentive-details .info-grid article strong {
  display: block;
  color: var(--red);
  font-size: 1.15rem;
}
.incentive-card-grid {
  grid-template-columns: repeat(2, 1fr);
}
.incentive-next .btn,
.incentive-link {
  margin-top: 28px;
}
.workshop-benefits {
  position: relative;
  isolation: isolate;
  background: url("first-home-arrival.webp") center 56% / cover no-repeat;
}
.workshop-benefits::before {
  content: "";
  position: absolute;
  z-index: -1;
  inset: 0;
  background: rgba(36,95,133,0.72);
}
.workshop-benefits .info-grid {
  margin-top: 0;
}
.workshop-benefits .info-grid article {
  min-height: 245px;
  padding: 38px;
  background: rgba(255, 255, 255, 0.94);
}
.workshop-benefits .info-grid h3 {
  font-size: 1.6rem;
}
.faq-heading {
  position: static !important;
}
.agent-card .agent-headshot {
  width: 150px;
  height: 180px;
  object-fit: cover;
  object-position: center top;
  border-radius: 4px;
}
.site-header nav {
  gap: 14px;
}
.site-header nav a {
  font-size: 0.74rem;
}
.buying-roadmap {
  border-top: 1px solid #153a58;
}
.program-list article {
  display: flex;
  flex-direction: column;
}
.program-source {
  display: inline-block;
  margin-top: auto;
  padding-top: 18px;
  color: var(--blue);
  font-size: 0.82rem;
  font-weight: 900;
  line-height: 1.35;
  text-decoration: none;
}
.program-source:hover {
  text-decoration: underline;
}
.workshop-expectations {
  padding: 100px clamp(24px, 7vw, 112px);
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 24px 70px;
  background: linear-gradient(135deg, #eef7fb, #fff);
}
.expectations-intro h2 {
  margin: 0.15em 0 0.38em;
  font-size: clamp(2.7rem, 4.8vw, 4.8rem);
}
.expectations-intro > p:not(.eyebrow) {
  color: var(--muted);
  font-size: 1.05rem;
}
.expectations-list {
  padding: 38px 42px;
  background: var(--content-blue);
  color: #fff;
}
.expectations-list h3 {
  margin: 0 0 22px;
  color: #fff;
  font-size: 1.45rem;
}
.expectations-list ul {
  margin: 0;
  padding-left: 22px;
}
.expectations-list li {
  margin: 13px 0;
  color: #d8e6ee;
  line-height: 1.5;
}
.expectations-welcome {
  grid-column: 1/-1;
  padding: 32px 38px;
  border-left: 6px solid var(--red);
  background: #fff;
  box-shadow: 0 14px 36px rgba(7, 39, 68, 0.08);
}
.expectations-welcome strong {
  display: block;
  color: var(--navy);
  font-size: 1.45rem;
}
.expectations-welcome p {
  max-width: 1050px;
  color: var(--muted);
}
.expectations-welcome .btn {
  margin-top: 8px;
}
@media (max-width: 900px) {
  .comparison-visual {
    grid-template-columns: 1fr;
  }
  .savings-example {
    grid-template-columns: 1fr;
  }
  .incentive-card-grid {
    grid-template-columns: 1fr 1fr;
  }
  .workshop-expectations {
    grid-template-columns: 1fr;
  }
  .expectations-welcome {
    grid-column: auto;
  }
}
@media (max-width: 700px) {
  .finder-options-two,
  .incentive-card-grid {
    grid-template-columns: 1fr;
  }
  .finder-options-two button {
    min-height: 130px;
  }
  .comparison-visual {
    padding: 18px;
  }
  .readiness-actions {
    display: grid;
  }
  .readiness-actions .btn {
    width: 100%;
  }
  .workshop-benefits .info-grid article {
    min-height: 0;
  }
  .agent-card .agent-headshot {
    width: 105px;
    height: 130px;
  }
  .buyer-triangle-graphic {
    aspect-ratio: 1672/809;
  }
  .workshop-expectations {
    padding: 70px 20px;
  }
  .expectations-list,
  .expectations-welcome {
    padding: 28px 24px;
  }
}

/* Events hero: education-first workshop imagery */
.events-page-hero {
  background-image:
    linear-gradient(
      90deg,
      rgba(36,95,133,0.98) 0%,
      rgba(36,95,133,0.86) 34%,
      rgba(40,109,151,0.36) 58%,
      rgba(40,109,151,0.08) 100%
    ),
    url("events-education-workshop-hero.webp");
  background-position: center center;
}

/* Personal, founder-led storytelling */
.meet-richard {
  padding: 100px clamp(24px, 7vw, 112px);
  display: grid;
  grid-template-columns: minmax(280px, 0.78fr) minmax(0, 1.22fr);
  gap: clamp(45px, 7vw, 100px);
  align-items: center;
  background: #fff;
}
.meet-richard-photo {
  position: relative;
  max-width: 470px;
}
.meet-richard-photo:before {
  content: "";
  position: absolute;
  left: -18px;
  bottom: -18px;
  width: 70%;
  height: 70%;
  background: #dceff7;
  z-index: 0;
}
.meet-richard-photo img {
  position: relative;
  z-index: 1;
  width: 100%;
  aspect-ratio: 4/5;
  object-fit: cover;
  object-position: center top;
  box-shadow: 0 22px 50px rgba(7, 39, 68, 0.18);
}
.meet-richard-copy {
  max-width: 720px;
}
.meet-richard-copy h2 {
  margin: 0.15em 0 0.45em;
  font-size: clamp(2.8rem, 5vw, 5rem);
}
.meet-richard-copy > p:not(.eyebrow) {
  color: #425f72;
  font-size: 1.05rem;
}
.richard-note {
  padding: 18px 22px;
  border-left: 5px solid var(--red);
  background: #eef7fb;
  color: var(--navy) !important;
  font:
    italic 1.2rem/1.45 Georgia,
    serif !important;
}
.text-link {
  display: inline-block;
  margin-top: 8px;
  color: var(--blue);
  font-weight: 900;
  text-decoration: none;
}
.workshop-story {
  padding: 100px clamp(24px, 7vw, 112px);
  display: grid;
  grid-template-columns: 0.82fr 1.18fr;
  gap: 70px;
  align-items: center;
  background: linear-gradient(145deg, #245f85, #245f85);
  color: #fff;
}
.workshop-story h2 {
  margin: 0.15em 0 0.35em;
  color: #fff;
  font-size: clamp(2.8rem, 5vw, 5.1rem);
}
.workshop-story-copy > p:not(.eyebrow) {
  max-width: 610px;
  color: #d3e2eb;
  font-size: 1.06rem;
}
.workshop-photo-stack {
  position: relative;
  min-height: 520px;
}
.workshop-photo-stack figure {
  margin: 0;
  position: absolute;
  background: #fff;
  padding: 10px;
  box-shadow: 0 22px 50px rgba(0, 0, 0, 0.3);
}
.workshop-photo-stack figure:first-child {
  width: 78%;
  left: 0;
  top: 0;
  transform: rotate(-2deg);
}
.workshop-photo-stack figure:last-child {
  width: 67%;
  right: 0;
  bottom: 0;
  transform: rotate(2deg);
}
.workshop-photo-stack img {
  width: 100%;
  aspect-ratio: 4/3;
  object-fit: cover;
}
.workshop-photo-stack figcaption {
  padding: 8px 5px 2px;
  color: #526b7b;
  font-size: 0.76rem;
}
.event-human {
  padding: 100px clamp(24px, 7vw, 112px);
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 70px;
  align-items: center;
  background: #fff;
}
.event-human h2 {
  margin: 0.15em 0 0.4em;
  font-size: clamp(2.6rem, 4.4vw, 4.6rem);
}
.event-human > div:last-child > p:not(.eyebrow) {
  color: var(--muted);
  font-size: 1.05rem;
}
.event-human-gallery {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.event-human-gallery img {
  width: 100%;
  height: 430px;
  object-fit: cover;
}
.event-human-gallery img:first-child {
  object-position: 55% center;
}
.event-human-gallery img:last-child {
  margin-top: 35px;
  object-position: 50% center;
}
@media (max-width: 900px) {
  .meet-richard,
  .workshop-story,
  .event-human {
    grid-template-columns: 1fr;
  }
  .meet-richard-photo {
    max-width: 420px;
  }
  .workshop-photo-stack {
    min-height: 480px;
  }
  .event-human-gallery img {
    height: 360px;
  }
}
@media (max-width: 620px) {
  .meet-richard,
  .workshop-story,
  .event-human {
    padding: 70px 20px;
  }
  .meet-richard-photo:before {
    left: -8px;
    bottom: -10px;
  }
  .workshop-photo-stack {
    min-height: 420px;
  }
  .workshop-photo-stack figure:first-child {
    width: 86%;
  }
  .workshop-photo-stack figure:last-child {
    width: 76%;
  }
  .event-human-gallery {
    gap: 8px;
  }
  .event-human-gallery img {
    height: 270px;
  }
  .event-human-gallery img:last-child {
    margin-top: 20px;
  }
}

/* Richard's first-person education series */
.richard-video-series {
  padding: 100px clamp(24px, 7vw, 112px);
  background: #eef7fb;
}
.video-series-heading {
  display: grid;
  grid-template-columns: 1.12fr 0.88fr;
  gap: 70px;
  align-items: end;
  max-width: 1300px;
  margin: 0 auto 48px;
}
.video-series-heading h2 {
  font-size: clamp(2.7rem, 4.6vw, 4.8rem);
}
.video-series-heading > p {
  margin: 0;
  color: var(--muted);
  font-size: 1.05rem;
}
.video-series-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  max-width: 1300px;
  margin: 0 auto;
}
.video-series-grid article {
  display: grid;
  grid-template-columns: minmax(190px, 0.72fr) minmax(0, 1.28fr);
  gap: 28px;
  align-items: center;
  padding: 24px;
  background: #fff;
  border-top: 6px solid var(--blue);
  box-shadow: 0 16px 38px rgba(7, 39, 68, 0.1);
}
.video-series-grid article:last-child {
  border-top-color: var(--red);
}
.personality-video {
  aspect-ratio: 9/16;
  overflow: hidden;
  border-radius: 12px;
  background: #071f39;
  box-shadow: 0 14px 30px rgba(7, 39, 68, 0.2);
}
.personality-video iframe {
  width: 100%;
  height: 100%;
  border: 0;
  display: block;
}
.video-series-grid span {
  color: var(--red);
  font-size: 0.72rem;
  font-weight: 900;
  letter-spacing: 0.14em;
}
.video-series-grid h3 {
  margin: 8px 0 12px;
  color: var(--navy);
  font-size: 1.65rem;
  line-height: 1.1;
}
.video-series-grid p {
  color: var(--muted);
}
.video-series-grid a {
  color: var(--blue);
  font-weight: 900;
  text-decoration: none;
}
@media (max-width: 1050px) {
  .video-series-grid article {
    grid-template-columns: 150px 1fr;
  }
}
@media (max-width: 850px) {
  .video-series-heading,
  .video-series-grid {
    grid-template-columns: 1fr;
  }
  .video-series-heading {
    gap: 22px;
  }
  .video-series-grid article {
    grid-template-columns: minmax(150px, 0.6fr) 1.4fr;
  }
}
@media (max-width: 560px) {
  .richard-video-series {
    padding: 70px 20px;
  }
  .video-series-grid article {
    grid-template-columns: 1fr;
    padding: 18px;
  }
  .personality-video {
    width: min(100%, 280px);
    margin: 0 auto;
  }
  .video-series-grid article > div:last-child {
    padding: 4px 6px 12px;
  }
}

.videos-page-hero {
  background-image:
    linear-gradient(
      90deg,
      rgba(36,95,133,0.98),
      rgba(36,95,133,0.82) 43%,
      rgba(40,109,151,0.18)
    ),
    url("richard-workshop-speaking.jpeg");
  background-position: center 46%;
}
.video-library {
  background: linear-gradient(135deg, #eef7fb, #fff);
}
.home-video-invite {
  padding: 65px clamp(24px, 7vw, 112px);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 45px;
  background: linear-gradient(120deg, #061f36, #0c426d);
  color: #fff;
}
.home-video-invite > div {
  max-width: 820px;
}
.home-video-invite h2 {
  margin: 0.12em 0 0.25em;
  color: #fff;
  font-size: clamp(2.4rem, 4vw, 4.2rem);
}
.home-video-invite p:not(.eyebrow) {
  margin: 0;
  color: #d3e2eb;
  font-size: 1.05rem;
}
.home-video-invite .btn {
  flex: 0 0 auto;
}
@media (max-width: 700px) {
  .home-video-invite {
    padding: 55px 20px;
    display: grid;
  }
  .home-video-invite .btn {
    width: 100%;
  }
  .videos-page-hero {
    background-position: 60% center;
  }
}

/* Alternating section rhythm: dark → light → dark throughout each journey. */
.journey-finder {
  background: linear-gradient(135deg, #245f85, #245f85);
  color: #fff;
}
.journey-finder .finder-intro h2 {
  color: #fff;
}
.journey-finder .finder-intro > p:last-child {
  color: #c9dce7;
}
.journey-finder .eyebrow.red {
  color: #ff6572;
}
.home-video-invite {
  background: linear-gradient(135deg, #f4fafc, #e7f3f8);
  color: var(--ink);
}
.home-video-invite h2 {
  color: var(--navy);
}
.home-video-invite p:not(.eyebrow) {
  color: #49677a;
}
.home-video-invite .eyebrow {
  color: var(--red);
}
.home-video-invite .btn.light {
  background: var(--navy);
  color: #fff;
}
.video-library + .contact {
  background: linear-gradient(135deg, #041b30, #0b416b);
  color: #fff;
}
.video-library + .contact h2 {
  color: #fff;
}
.video-library + .contact .contact-copy > p:not(.eyebrow) {
  color: #c9dce7;
}
.video-library + .contact .agent-card {
  border-top-color: #315775;
}
.video-library + .contact .agent-card span {
  color: #c9dce7;
}
.video-library + .contact form {
  color: var(--ink);
}

.intro-social {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 9px 16px;
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
}
.intro-social span {
  color: #527086;
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.intro-social a {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: var(--blue);
  font-size: 0.9rem;
  font-weight: 900;
  text-decoration: none;
}
.intro-social a:hover,
.footer-social a:hover {
  text-decoration: underline;
  text-underline-offset: 3px;
}
.intro-social i,
.footer-social i {
  font-size: 1.18em;
}
.intro-social .fa-youtube,
.footer-social .fa-youtube {
  color: #ff0033;
}
.intro-social .fa-instagram,
.footer-social .fa-instagram {
  color: #d62976;
}
.intro-social .fa-facebook,
.footer-social .fa-facebook {
  color: #1877f2;
}
.footer-social {
  display: flex !important;
  flex-wrap: wrap;
  gap: 7px 13px;
  margin-top: 10px;
}
.footer-social span {
  flex-basis: 100%;
  color: #9db0be !important;
  font-size: 0.62rem !important;
  font-weight: 900;
  letter-spacing: 0.09em;
  text-transform: uppercase;
}
.footer-social a {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #fff !important;
  font-size: 0.72rem !important;
  font-weight: 800;
  text-decoration: none;
}

/* Graphic Buyer Triangle: three priorities, one balanced decision. */
.buyer-triangle-diagram {
  max-width: 1120px;
  min-height: 720px;
  grid-template-columns: 1fr 1fr;
  grid-template-areas: "price price" "property location";
  gap: 210px 270px;
  align-items: end;
}
.buyer-triangle-diagram::before {
  left: 50%;
  top: 51%;
  width: 78%;
  height: 79%;
  background: linear-gradient(145deg, #0b80b6 0%, #07558a 48%, #245f85 100%);
  filter: drop-shadow(0 24px 34px rgba(7, 39, 68, 0.28));
  clip-path: polygon(50% 0, 0 100%, 100% 100%);
}
.buyer-triangle-diagram::after {
  content: "";
  position: absolute;
  z-index: -1;
  left: 50%;
  top: 53%;
  width: 58%;
  height: 58%;
  transform: translate(-50%, -50%);
  clip-path: polygon(50% 0, 0 100%, 100% 100%);
  background: rgba(241, 248, 252, 0.72);
}
.buyer-factor {
  position: relative;
  z-index: 3;
  min-height: 285px;
  padding: 34px 32px 30px;
  text-align: center;
  border: 0;
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.97);
  box-shadow: 0 22px 50px rgba(7, 39, 68, 0.23);
  backdrop-filter: blur(8px);
}
.buyer-factor-price {
  width: min(100%, 420px);
  align-self: start;
}
.buyer-factor-property,
.buyer-factor-location {
  width: min(100%, 400px);
}
.buyer-factor-property {
  justify-self: end;
}
.buyer-factor-location {
  justify-self: start;
}
.factor-icon {
  width: 76px;
  height: 76px;
  margin: -72px auto 18px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  border: 8px solid rgba(255, 255, 255, 0.95);
  box-shadow: 0 12px 28px rgba(7, 39, 68, 0.22);
  color: #fff;
  font-size: 1.75rem;
}
.buyer-factor-price .factor-icon {
  background: #0b80b6;
}
.buyer-factor-property .factor-icon {
  background: #d7192d;
}
.buyer-factor-location .factor-icon {
  background: #168352;
}
.buyer-factor h3 {
  margin: 0 0 14px;
  font-size: 2rem;
}
.buyer-factor ul {
  display: inline-block;
  margin: 0 auto;
  padding-left: 20px;
  text-align: left;
}
.buyer-triangle-centre {
  top: 54%;
  width: 210px;
  height: 210px;
  border: 10px solid rgba(255, 255, 255, 0.76);
  background: linear-gradient(145deg, #fff, #eaf5fa);
  box-shadow: 0 22px 48px rgba(7, 39, 68, 0.28);
}
.buyer-triangle-centre strong {
  font-size: 1.5rem;
}
.buyer-triangle-centre::before {
  font-size: 2.35rem;
}
@media (max-width: 800px) {
  .buyer-triangle-diagram {
    min-height: 0;
    grid-template-columns: 1fr;
    grid-template-areas: "centre" "price" "property" "location";
    gap: 46px;
    margin-top: 42px;
  }
  .buyer-triangle-diagram::after {
    display: none;
  }
  .buyer-factor,
  .buyer-factor-price,
  .buyer-factor-property,
  .buyer-factor-location {
    width: 100%;
    justify-self: stretch;
    min-height: 0;
    padding: 34px 25px 28px;
  }
  .factor-icon {
    width: 68px;
    height: 68px;
    margin: -68px auto 16px;
    border-width: 7px;
  }
  .buyer-triangle-centre {
    width: 165px;
    height: 165px;
    margin-bottom: 24px;
  }
  .buyer-triangle-centre strong {
    font-size: 1.2rem;
  }
}

/* Dedicated Debt Management journey: hopeful guidance with alternating light and dark chapters. */
.debt-hero {
  min-height: 720px;
  padding: 145px clamp(24px, 7vw, 112px) 80px;
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(420px, 1.1fr);
  gap: 55px;
  align-items: center;
  background: linear-gradient(135deg, #245f85, #245f85);
  color: #fff;
}
.debt-hero h1 {
  margin: 0.15em 0 0.35em;
  color: #fff;
  font-size: clamp(3.4rem, 5.8vw, 6rem);
  line-height: 0.96;
}
.debt-hero h1 span {
  color: #75cff2;
}
.debt-hero-copy > p:not(.eyebrow) {
  max-width: 650px;
  color: #d5e5ed;
  font-size: 1.12rem;
}
.debt-hero .btn {
  margin-top: 18px;
}
.debt-hero-visual {
  overflow: hidden;
  border: 10px solid rgba(255, 255, 255, 0.12);
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.35);
}
.debt-hero-visual img {
  width: 100%;
  aspect-ratio: 3/2;
  display: block;
  object-fit: cover;
}
.debt-types {
  padding: 100px clamp(24px, 7vw, 112px);
  background: #f4fafc;
}
.debt-types .section-head {
  max-width: 900px;
}
.debt-types .section-head h2 {
  color: var(--navy);
  font-size: clamp(2.8rem, 4.5vw, 4.8rem);
}
.debt-types .section-head > p:last-child {
  color: var(--muted);
}
.debt-type-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  margin-top: 42px;
}
.debt-type-grid article {
  padding: 30px 26px;
  background: #fff;
  border-top: 6px solid var(--blue);
  box-shadow: 0 14px 35px rgba(7, 39, 68, 0.09);
}
.debt-type-grid article:nth-child(even) {
  border-top-color: var(--red);
}
.debt-type-grid i {
  width: 58px;
  height: 58px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: #e8f5fb;
  color: var(--blue);
  font-size: 1.45rem;
}
.debt-type-grid h3 {
  margin: 20px 0 10px;
  color: var(--navy);
  font-size: 1.35rem;
}
.debt-type-grid p {
  margin: 0;
  color: var(--muted);
}
.buyer-comparison {
  padding: 100px clamp(24px, 7vw, 112px);
  display: grid;
  grid-template-columns: 0.86fr 1.14fr;
  gap: 34px 55px;
  background: linear-gradient(135deg, #245f85, #245f85);
  color: #fff;
}
.comparison-heading {
  align-self: center;
}
.comparison-heading h2 {
  margin: 0.15em 0 0.35em;
  color: #fff;
  font-size: clamp(2.8rem, 4.5vw, 4.7rem);
}
.comparison-heading > p:not(.eyebrow) {
  color: #cfe0e9;
}
.comparison-illustration img {
  width: 100%;
  display: block;
  border: 8px solid rgba(255, 255, 255, 0.12);
  box-shadow: 0 20px 48px rgba(0, 0, 0, 0.3);
}
.buyer-comparison-grid {
  grid-column: 1/-1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.buyer-comparison-grid article {
  padding: 30px;
  background: #fff;
  color: var(--ink);
  border-top: 6px solid var(--blue);
}
.buyer-comparison-grid article:last-child {
  border-top-color: var(--red);
}
.buyer-label {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--blue);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.12em;
}
.buyer-label i {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--content-blue);
  color: #fff;
}
.buyer-comparison-grid article:last-child .buyer-label,
.buyer-comparison-grid article:last-child .buyer-label i {
  color: var(--red);
}
.buyer-comparison-grid article > strong {
  display: block;
  margin-top: 18px;
  color: var(--navy);
  font-size: 2.5rem;
}
.buyer-comparison-grid article > p {
  margin: 0.2em 0 1em;
  color: var(--muted);
}
.buyer-comparison-grid ul {
  margin: 0;
  padding-left: 20px;
  color: #36556a;
}
.comparison-message {
  grid-column: 1/-1;
  padding: 24px 28px;
  display: grid;
  grid-template-columns: 42px 1fr;
  gap: 16px;
  align-items: center;
  background: #245f85;
}
.comparison-message i {
  color: #ffd364;
  font-size: 1.7rem;
}
.comparison-message p {
  margin: 0;
  color: #dcebf2;
}
.comparison-message strong {
  color: #fff;
}
.ratio-section {
  padding: 100px clamp(24px, 7vw, 112px);
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 65px;
  align-items: center;
  background: #fff;
}
.ratio-intro h2 {
  margin: 0.15em 0 0.35em;
  color: var(--navy);
  font-size: clamp(2.8rem, 4.5vw, 4.7rem);
}
.ratio-intro > p:not(.eyebrow) {
  color: var(--muted);
}
.ratio-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.ratio-cards article {
  padding: 32px;
  background: #eef7fb;
  border-bottom: 6px solid var(--blue);
}
.ratio-cards article:last-child {
  border-bottom-color: var(--red);
}
.ratio-cards > article > span {
  color: var(--red);
  font-size: 0.8rem;
  font-weight: 900;
  letter-spacing: 0.13em;
}
.ratio-cards h3 {
  margin: 8px 0 18px;
  color: var(--navy);
  font-size: 1.5rem;
}
.ratio-formula {
  padding: 18px;
  text-align: center;
  background: #fff;
  color: var(--navy);
  font-weight: 900;
}
.ratio-formula i {
  padding: 0 8px;
  color: var(--red);
  font-style: normal;
}
.ratio-cards p {
  color: var(--muted);
}
.debt-roadmap {
  padding: 100px clamp(24px, 7vw, 112px);
  background: linear-gradient(135deg, #245f85, #245f85);
  color: #fff;
}
.debt-roadmap .section-head {
  max-width: 860px;
}
.debt-roadmap .section-head h2 {
  color: #fff;
  font-size: clamp(2.8rem, 4.5vw, 4.8rem);
}
.debt-roadmap .section-head > p:last-child {
  color: #cfe0e9;
}
.debt-roadmap ol {
  margin: 48px 0 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 14px;
  list-style: none;
}
.debt-roadmap li {
  position: relative;
  padding: 28px 22px;
  background: #fff;
  color: var(--ink);
  border-top: 5px solid var(--blue);
}
.debt-roadmap li:nth-child(even) {
  border-top-color: var(--red);
}
.debt-roadmap li > span {
  position: absolute;
  right: 15px;
  top: 12px;
  color: #d7e7ee;
  font-size: 2.2rem;
  font-weight: 900;
}
.debt-roadmap li > i {
  position: relative;
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--content-blue);
  color: #fff;
  font-size: 1.25rem;
}
.debt-roadmap h3 {
  margin: 22px 0 10px;
  color: var(--navy);
  font-size: 1.25rem;
}
.debt-roadmap p {
  margin: 0;
  color: var(--muted);
}
.debt-calculator {
  padding: 100px clamp(24px, 7vw, 112px);
  background: #f3f9fc;
}
.calculator-heading {
  max-width: 880px;
}
.calculator-heading h2 {
  margin: 0.15em 0 0.35em;
  color: var(--navy);
  font-size: clamp(2.8rem, 4.5vw, 4.8rem);
}
.calculator-heading > p:not(.eyebrow) {
  color: var(--muted);
}
.debt-calc-shell {
  margin-top: 45px;
  display: grid;
  grid-template-columns: minmax(300px, 0.65fr) minmax(0, 1.35fr);
  background: #fff;
  box-shadow: 0 22px 55px rgba(7, 39, 68, 0.12);
}
.debt-calc-fields {
  padding: 34px;
  display: grid;
  gap: 18px;
  background: var(--content-blue);
  color: #fff;
}
.debt-calc-fields label {
  display: grid;
  gap: 7px;
  font-weight: 800;
}
.debt-calc-fields .money-input {
  background: #fff;
  color: var(--ink);
}
.calc-error {
  margin: 0;
  padding: 13px;
  background: #fff0f1;
  color: #9e1422;
  font-weight: 800;
}
.debt-calc-results {
  padding: 34px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.debt-calc-results article {
  padding: 26px;
  background: #f2f8fb;
  border-top: 6px solid var(--blue);
}
.debt-calc-results article.result-faster {
  border-top-color: var(--red);
}
.debt-calc-results article > span,
.calc-savings span {
  color: var(--red);
  font-size: 0.72rem;
  font-weight: 900;
  letter-spacing: 0.12em;
}
.debt-calc-results article > strong {
  display: block;
  margin: 9px 0 0;
  color: var(--navy);
  font-size: 2rem;
}
.debt-calc-results article > p {
  margin: 0.2em 0 1.3em;
  color: var(--muted);
}
.debt-calc-results dl {
  margin: 0;
}
.debt-calc-results dl div {
  padding: 8px 0;
  display: flex;
  justify-content: space-between;
  gap: 20px;
  border-bottom: 1px solid #dbe7ec;
}
.debt-calc-results dt {
  color: var(--muted);
}
.debt-calc-results dd {
  margin: 0;
  color: var(--navy);
  font-weight: 900;
}
.repayment-bar {
  height: 10px;
  margin-top: 22px;
  background: #dce8ee;
  overflow: hidden;
}
.repayment-bar i {
  height: 100%;
  display: block;
  background: var(--blue);
  transition: width 0.3s;
}
.result-faster .repayment-bar i {
  background: var(--red);
}
.calc-savings {
  grid-column: 1/-1;
  padding: 22px;
  display: grid;
  grid-template-columns: 52px 1fr;
  gap: 16px;
  align-items: center;
  background: #e8f7ef;
}
.calc-savings > i {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: #168352;
  color: #fff;
  font-size: 1.4rem;
}
.calc-savings strong {
  display: block;
  margin-top: 4px;
  color: #0d5737;
  font-size: 1.5rem;
}
.calc-savings p {
  margin: 4px 0 0;
  color: #38604e;
}
.debt-calculator > .calculator-note {
  max-width: 900px;
  color: var(--muted);
}
.debt-or-down {
  padding: 100px clamp(24px, 7vw, 112px);
  display: grid;
  grid-template-columns: 0.82fr 1.18fr;
  gap: 65px;
  align-items: center;
  background: linear-gradient(135deg, #245f85, #245f85);
  color: #fff;
}
.choice-copy h2 {
  margin: 0.15em 0 0.35em;
  color: #fff;
  font-size: clamp(2.8rem, 4.5vw, 4.7rem);
}
.choice-copy > p:not(.eyebrow) {
  color: #cfdee7;
}
.choice-links {
  margin-top: 28px;
  display: grid;
  gap: 12px;
}
.choice-links a {
  color: #75cff2;
  font-weight: 900;
  text-decoration: none;
}
.choice-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.choice-grid article {
  padding: 30px;
  background: #fff;
  color: var(--ink);
  border-top: 6px solid var(--blue);
}
.choice-grid article:last-child {
  border-top-color: var(--red);
}
.choice-grid i {
  font-size: 1.8rem;
  color: var(--blue);
}
.choice-grid article:last-child i {
  color: var(--red);
}
.choice-grid h3 {
  color: var(--navy);
}
.choice-grid ul {
  padding-left: 20px;
  color: var(--muted);
}
.debt-inquiry {
  background: #f3f9fc;
}
.debt-inquiry .richard-note {
  font-size: 1.05rem !important;
}
@media (max-width: 1080px) {
  .debt-type-grid {
    grid-template-columns: 1fr 1fr;
  }
  .debt-roadmap ol {
    grid-template-columns: repeat(3, 1fr);
  }
}
@media (max-width: 900px) {
  .debt-hero,
  .buyer-comparison,
  .ratio-section,
  .debt-or-down {
    grid-template-columns: 1fr;
  }
  .debt-hero {
    padding-top: 130px;
  }
  .buyer-comparison-grid,
  .ratio-cards,
  .choice-grid {
    grid-template-columns: 1fr 1fr;
  }
  .debt-calc-shell {
    grid-template-columns: 1fr;
  }
  .debt-roadmap ol {
    grid-template-columns: 1fr 1fr;
  }
}
@media (max-width: 620px) {
  .debt-hero,
  .debt-types,
  .buyer-comparison,
  .ratio-section,
  .debt-roadmap,
  .debt-calculator,
  .debt-or-down {
    padding-left: 20px;
    padding-right: 20px;
  }
  .debt-hero {
    min-height: 0;
    padding-top: 125px;
  }
  .debt-hero h1 {
    font-size: clamp(3rem, 14vw, 4.3rem);
  }
  .debt-type-grid,
  .buyer-comparison-grid,
  .ratio-cards,
  .debt-roadmap ol,
  .debt-calc-results,
  .choice-grid {
    grid-template-columns: 1fr;
  }
  .debt-calc-fields,
  .debt-calc-results {
    padding: 22px;
  }
  .calc-savings {
    grid-column: auto;
  }
  .comparison-message {
    grid-template-columns: 32px 1fr;
    padding: 20px;
  }
  .debt-hero-visual {
    border-width: 6px;
  }
}

/* Debt calculator contrast and stock-photo framing. */
.debt-calc-fields label {
  color: #fff;
}
.debt-calc-fields .money-input {
  background: #fff !important;
}
.debt-calc-fields .money-input input {
  color: #102f46 !important;
  background: #fff !important;
  -webkit-text-fill-color: #102f46;
  opacity: 1;
}
.debt-calc-fields .money-input i {
  color: #49677a !important;
}
.debt-calc-fields input:focus {
  outline: 3px solid #75cff2;
  outline-offset: 2px;
}
.comparison-illustration img {
  aspect-ratio: 16/9;
  object-fit: cover;
  object-position: center 45%;
}

/* Make the two-buyer qualification example immediately understandable. */
.comparison-assumptions {
  grid-column: 1/-1;
  padding: 18px 22px;
  background: rgba(255, 255, 255, 0.1);
  border-left: 5px solid #75cff2;
  color: #dcebf2;
  font-size: 0.92rem;
}
.comparison-assumptions strong {
  color: #fff;
}
.buyer-stat {
  padding: 15px 0;
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 18px;
  border-bottom: 1px solid #dbe7ec;
}
.buyer-stat > span {
  color: var(--muted);
  font-weight: 800;
}
.buyer-stat > strong {
  color: var(--navy);
  font-size: 1.35rem;
}
.buyer-stat small {
  display: block;
  max-width: 230px;
  color: var(--muted);
  font-size: 0.78rem;
  text-align: right;
}
.qualification-result {
  margin-top: 24px;
  padding: 20px;
  background: #eaf5fa;
}
.qualification-result > span {
  display: block;
  color: var(--red);
  font-size: 0.7rem;
  font-weight: 900;
  letter-spacing: 0.1em;
}
.qualification-result > strong {
  display: block;
  margin: 7px 0 13px;
  color: var(--navy);
  font-size: clamp(1.7rem, 2.7vw, 2.5rem);
}
.qualification-bar {
  height: 11px;
  overflow: hidden;
  background: #cedfe7;
}
.qualification-bar i {
  display: block;
  height: 100%;
  background: var(--blue);
}
.buyer-comparison-grid article:last-child .qualification-bar i {
  background: var(--red);
}
.comparison-disclaimer {
  grid-column: 1/-1;
  margin: 0;
  color: #9fb8c7;
  font-size: 0.78rem;
}
@media (max-width: 620px) {
  .buyer-stat {
    align-items: flex-start;
    flex-direction: column;
    gap: 5px;
  }
  .buyer-stat small {
    text-align: left;
  }
  .comparison-assumptions {
    padding: 16px;
  }
}

/* Debt page rhythm after simplifying the technical content. */
.debt-roadmap {
  background: #f3f9fc;
  color: var(--ink);
}
.debt-roadmap .section-head h2 {
  color: var(--navy);
}
.debt-roadmap .section-head .eyebrow {
  color: var(--red);
}
.debt-roadmap .section-head > p:last-child {
  color: var(--muted);
}
.debt-roadmap li {
  box-shadow: 0 14px 34px rgba(7, 39, 68, 0.1);
}
.debt-calculator {
  background: linear-gradient(135deg, #245f85, #245f85);
  color: #fff;
}
.debt-calculator .calculator-heading h2 {
  color: #fff;
}
.debt-calculator .calculator-heading > p:not(.eyebrow) {
  color: #cfe0e9;
}
.debt-calculator > .calculator-note {
  color: #aac0cd;
}
.debt-or-down {
  background: #f3f9fc;
  color: var(--ink);
}
.debt-or-down .choice-copy h2 {
  color: var(--navy);
}
.debt-or-down .choice-copy > p:not(.eyebrow) {
  color: var(--muted);
}
.debt-or-down .choice-copy .eyebrow {
  color: var(--red);
}
.debt-or-down .choice-links a {
  color: var(--blue);
}
.debt-inquiry {
  background: linear-gradient(135deg, #245f85, #245f85);
  color: #fff;
}
.debt-inquiry .contact-copy h2 {
  color: #fff;
}
.debt-inquiry .contact-copy > p:not(.eyebrow):not(.richard-note) {
  color: #cfe0e9;
}
.debt-inquiry form {
  background: #fff;
  color: var(--ink);
}

/* Full two-buyer calculation, kept readable without a separate technical-ratios lesson. */
.comparison-assumptions {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
}
.comparison-assumptions strong {
  flex-basis: 100%;
}
.comparison-assumptions span {
  position: relative;
  padding-left: 14px;
}
.comparison-assumptions span::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.62em;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: #75cff2;
}
.buyer-comparison-grid.detailed {
  align-items: start;
}
.buyer-comparison-grid.detailed article {
  padding: 30px;
}
.calculation-table {
  margin-top: 22px;
}
.calculation-table > div {
  min-height: 46px;
  padding: 10px 0;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 18px;
  align-items: center;
  border-bottom: 1px solid #dbe7ec;
}
.calculation-table span {
  color: #49677a;
}
.calculation-table span small {
  display: block;
  margin-top: 2px;
  color: #7890a1;
}
.calculation-table strong {
  color: var(--navy);
  white-space: nowrap;
}
.calculation-table .calculation-subtotal {
  margin-bottom: 8px;
  padding: 12px;
  background: #eef7fb;
  border: 0;
}
.calculation-table .calculation-subtotal span,
.calculation-table .calculation-subtotal strong {
  color: #0b5f8c;
  font-weight: 900;
}
.calculation-table .calculation-use {
  margin: 12px 0;
  padding: 14px;
  background: var(--content-blue);
  border: 0;
}
.calculation-table .calculation-use span,
.calculation-table .calculation-use strong {
  color: #fff;
  font-weight: 900;
}
.buyer-comparison-grid.detailed .qualification-result {
  margin-top: 0;
}
.buyer-comparison-grid.detailed .qualification-result > strong {
  font-size: clamp(1.75rem, 2.6vw, 2.45rem);
}
@media (max-width: 620px) {
  .calculation-table > div {
    grid-template-columns: 1fr;
    gap: 3px;
  }
  .calculation-table strong {
    white-space: normal;
  }
  .buyer-comparison-grid.detailed article {
    padding: 22px 18px;
  }
}

/* Three-number buyer comparison: income, debt and estimated borrowing. */
.buyer-comparison-grid.simple article {
  padding: 30px;
}
.simple-comparison-stats {
  margin-top: 22px;
  display: grid;
  gap: 12px;
}
.simple-comparison-stats > div {
  padding: 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  background: #f2f8fb;
}
.simple-comparison-stats span {
  color: #49677a;
  font-weight: 800;
}
.simple-comparison-stats strong {
  color: var(--navy);
  font-size: 1.55rem;
  text-align: right;
}
.simple-comparison-stats small {
  display: block;
  color: var(--muted);
  font-size: 0.78rem;
  text-align: right;
}
.simple-comparison-stats .borrow-result {
  margin-top: 5px;
  display: grid;
  justify-content: stretch;
  background: var(--content-blue);
}
.simple-comparison-stats .borrow-result span {
  color: #bcd3df;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.simple-comparison-stats .borrow-result strong {
  color: #fff;
  font-size: clamp(2rem, 3vw, 3rem);
  text-align: left;
}
.buyer-comparison-grid.simple article:last-child .borrow-result {
  background: #9f1726;
}
@media (max-width: 620px) {
  .simple-comparison-stats > div {
    align-items: flex-start;
    flex-direction: column;
    gap: 7px;
  }
  .simple-comparison-stats strong,
  .simple-comparison-stats small {
    text-align: left;
  }
}
.simple-comparison-stats .debt-total {
  display: grid;
  grid-template-columns: 1fr auto;
}
.debt-breakdown {
  grid-column: 1/-1;
  width: 100%;
  margin: 8px 0 0 !important;
  padding: 12px 0 0 !important;
  border-top: 1px solid #d5e3e9;
  list-style: none;
}
.debt-breakdown li {
  padding: 4px 0;
  display: flex;
  justify-content: space-between;
  gap: 18px;
  color: #49677a;
}
.debt-breakdown b {
  color: var(--navy);
  white-space: nowrap;
}
.simple-comparison-stats strong small {
  display: block;
  margin-top: 3px;
  color: #6b8494;
  font-size: 0.72rem;
  font-weight: 700;
}
.debt-breakdown span {
  display: block;
}
.debt-breakdown em {
  display: block;
  margin-top: 2px;
  color: #7890a1;
  font-size: 0.76rem;
  font-style: normal;
}
@media (max-width: 620px) {
  .simple-comparison-stats .debt-total {
    grid-template-columns: 1fr;
  }
  .debt-breakdown {
    grid-column: 1;
  }
  .debt-breakdown li {
    align-items: flex-start;
  }
}

/* Clear pathways after the Buying a Home guide. */
.buyer-next{background:#245f85;color:#fff;padding:clamp(58px,7vw,96px) clamp(24px,7vw,112px)}.buyer-next-inner{max-width:1320px;margin:auto}.buyer-next h2{color:#fff;font-size:clamp(2rem,4vw,3.5rem);line-height:1.08;margin:8px 0 16px}.buyer-next-intro{max-width:660px;color:#d7e6ee;font-size:1.08rem;line-height:1.55;margin:0 0 30px}.buyer-next-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.buyer-next-card{display:flex;flex-direction:column;min-height:220px;padding:26px 28px;background:#f0f7fb;border-left:5px solid #e53743;color:#12314a;text-decoration:none;transition:transform .18s ease,box-shadow .18s ease}.buyer-next-card:hover{transform:translateY(-3px);box-shadow:0 16px 30px rgba(0,0,0,.22)}.buyer-next-card:focus-visible{outline:3px solid #75cff2;outline-offset:3px}.buyer-next-card>span{font-size:.8rem;font-weight:800;letter-spacing:.09em;color:#b72634}.buyer-next-card h3{font-size:1.42rem;line-height:1.2;margin:13px 0 10px;color:#082d4c}.buyer-next-card p{font-size:1rem;line-height:1.55;margin:0 0 20px;color:#334e60}.buyer-next-card strong{margin-top:auto;color:#006392;font-size:1rem}.buyer-next-card strong span{display:inline-block;margin-left:3px}@media(max-width:700px){.buyer-next-grid{grid-template-columns:1fr}.buyer-next-card{min-height:0;padding:22px}}

.home-location-link{margin:0 0 19px;font-size:1rem;line-height:1.5;color:#12314a}.home-location-link a{font-weight:800;color:#005e94;text-decoration:underline;text-underline-offset:3px}

/* Keep all educational video cards aligned regardless of copy length. */
.video-library .video-series-grid article {
  align-items: start;
  border-top-color: var(--blue);
}
.video-library .video-series-grid .personality-video {
  width: 100%;
  aspect-ratio: 9 / 16;
  align-self: start;
}
.video-library .video-series-grid article > div:last-child {
  min-width: 0;
}
.video-library .video-series-grid article > div:last-child > span {
  display: block;
}
.video-library .video-series-grid article > div:last-child > p {
  font-size: 1rem;
  line-height: 1.6;
  margin: 0 0 1rem;
}
@media (max-width: 560px) {
  .video-library .video-series-grid .personality-video {
    width: min(100%, 280px);
  }
}