:root{--blue:#1688bd;--ice:#eef6f9}

.new-brand{gap:12px;text-decoration:none}
.brand-mark{width:46px;height:46px;border-radius:13px 13px 13px 3px;background:linear-gradient(145deg,var(--navy),var(--blue));color:#fff;display:grid;place-items:center;font-weight:900;letter-spacing:-.08em}
.brand-name{display:grid;font-size:1.15rem;font-weight:900;letter-spacing:-.035em;line-height:1}
.brand-name>span{color:var(--blue)}
.brand-name small{font-size:.53rem;letter-spacing:.13em;color:var(--muted);margin-top:5px}
.new-brand>span{width:auto;height:auto}
.hero-overlay{background:linear-gradient(90deg,rgba(36,95,133,.95),rgba(36,95,133,.62) 54%,rgba(36,95,133,.08))}
.primary{background:var(--blue)}
.nav-cta{background:var(--content-blue);border-radius:5px}
.events{padding:100px clamp(24px,7vw,112px);display:grid;grid-template-columns:1fr .95fr;gap:70px;background:var(--ice);color:var(--ink)}
.events h2{color:var(--navy)}
.events-copy>p:not(.eyebrow){color:var(--muted);max-width:660px;font-size:1.05rem}
.events-copy .btn{margin-top:18px}
.events-copy .btn.light{background:var(--content-blue);color:#fff}
.light{background:#fff;color:var(--navy)}
.event-card{background:#fff;color:var(--ink);padding:38px;border-top:5px solid var(--blue);box-shadow:0 18px 45px rgba(7,39,68,.12)}
.event-status{font-size:.68rem;font-weight:900;letter-spacing:.15em;color:var(--blue)}
.event-card h3{color:var(--navy);font-size:1.7rem;line-height:1.12;margin:12px 0}
.event-card>p{color:var(--muted)}
.event-card dl{margin:25px 0}
.event-card dl>div{display:grid;grid-template-columns:80px 1fr;padding:12px 0;border-top:1px solid var(--line)}
.event-card dt{font-size:.69rem;font-weight:900;letter-spacing:.1em;color:var(--blue)}
.event-card dd{margin:0}
.event-card a{font-weight:900;color:var(--blue);text-decoration:none}
.faq{padding:100px clamp(24px,7vw,112px);display:grid;grid-template-columns:.72fr 1.28fr;gap:80px;background:var(--ice)}
.faq-heading{position:sticky;top:130px;align-self:start}
.faq-heading p:last-child{color:var(--muted)}
.faq-list{border-top:1px solid #b9cbd5}
.faq details{border-bottom:1px solid #b9cbd5;padding:19px 0}
.faq summary{font-size:1.05rem;font-weight:900;color:var(--navy);cursor:pointer;list-style:none;padding-right:35px;position:relative}
.faq summary:after{content:"+";position:absolute;right:4px;color:var(--blue);font-size:1.3rem}
.faq details[open] summary:after{content:"−"}
.faq details p{color:var(--muted);margin:12px 35px 2px 0}
.footer-brand{display:flex;align-items:center;gap:12px}
.footer-brand .brand-mark{flex:0 0 auto}
.footer-brand b{color:#fff;font-size:1.15rem;letter-spacing:-.02em}
.footer-brand>span:last-child{display:grid}
.footer-brand>span:last-child>span{font-size:.57rem;letter-spacing:.13em}
.inverse{background:linear-gradient(145deg,#fff,#c9eafa);color:var(--navy)}
.affiliation{justify-self:end;text-align:right;display:grid;justify-items:end}
.affiliation p{margin:0;font-size:.7rem;text-transform:uppercase;letter-spacing:.09em}
.affiliation img{width:160px;margin:8px 0;background:#fff;padding:6px}
.affiliation small{font-size:.68rem}
.disclaimer{grid-column:1/-1;border-top:1px solid #18344e;padding-top:20px;margin-top:10px;text-align:right}

@media(max-width:1050px){.site-header nav{gap:13px}
.site-header nav a{font-size:.78rem}
}

@media(max-width:820px){.events,.faq{grid-template-columns:1fr;gap:45px}
.faq-heading{position:static}
.site-header nav{overflow-y:auto;max-height:calc(100vh - 82px)}
}

@media(max-width:560px){.brand-mark{width:40px;height:40px}
.brand-name{font-size:1rem}
.events,.faq{padding:70px 20px}
.event-card{padding:28px 22px}
.affiliation{justify-self:start;text-align:left;justify-items:start}
.disclaimer{text-align:left}
}


/* Homepage direction approved September 2026 */
.topbar{display:none}
.site-header{position:absolute;top:0;left:0;right:0;background:linear-gradient(90deg,rgba(255,255,255,.98),rgba(255,255,255,.72),rgba(255,255,255,.28));box-shadow:none;height:96px}
.new-brand img{height:76px;width:220px;object-fit:cover;object-position:50% 36%;mix-blend-mode:multiply}
.hero{height:690px;min-height:0}
.hero-overlay{background:linear-gradient(90deg,rgba(255,255,255,.97) 0%,rgba(255,255,255,.82) 35%,rgba(255,255,255,.12) 68%)}
.hero-copy{top:51%;color:var(--navy);width:min(620px,48vw)}
.hero-copy h1{font-size:clamp(3.6rem,5.7vw,6rem);letter-spacing:-.055em}
.hero-copy h1 span{color:#087fb5}
.hero-copy h3{font-size:1.35rem;margin:8px 0 0}
.hero-copy>p:not(.eyebrow){color:var(--ink);max-width:560px}
.hero .ghost{background:#fff;color:var(--navy);border-color:#1688bd}
.benefit-strip{display:grid;grid-template-columns:repeat(4,1fr);padding:25px clamp(28px,6vw,90px);background:linear-gradient(90deg,#f6fbfd,#eaf5fa);box-shadow:0 4px 20px rgba(7,39,68,.08)}
.benefit-strip article{display:flex;gap:16px;padding:0 26px;border-right:1px solid #b8ceda;align-items:center}
.benefit-strip article:last-child{border:0}
.benefit-strip article>b{font-size:1.9rem;color:#0781b7}
.benefit-strip div{display:grid}
.benefit-strip strong{color:var(--navy)}
.benefit-strip span{font-size:.8rem;color:var(--ink);line-height:1.35}
.home-cards{padding:34px clamp(28px,6vw,90px);display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.home-card{height:390px;position:relative;overflow:hidden;border-radius:9px;color:#fff;text-decoration:none;box-shadow:0 7px 20px rgba(7,39,68,.14)}
.home-card>img{width:100%;height:100%;object-fit:cover}
.home-card:after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(36,95,133,.94),rgba(36,95,133,.12) 70%)}
.home-card>span{position:absolute;z-index:2;left:28px;right:28px;bottom:24px;display:grid;gap:10px}
.home-card strong{font-size:1.8rem;line-height:1}
.home-card small{font-size:.84rem;min-height:42px}
.home-card b{justify-self:start;background:#fff;color:var(--navy);padding:11px 16px;border-radius:5px;font-size:.78rem}
.deeper-guide{padding-top:75px}
.contact{background:linear-gradient(90deg,rgba(255,255,255,.96),rgba(239,247,251,.88)),url('toronto-homeownership-hero.webp') center/cover}
.contact form{background:#fff;box-shadow:0 16px 44px rgba(7,39,68,.18);border-radius:10px}
.footer-brand img{width:230px;height:170px;object-fit:cover;object-position:50% 36%;filter:brightness(0) invert(1);opacity:.96}
.footer-links{display:grid;gap:4px}
.footer-links a{text-decoration:none;font-size:.8rem}
.footer-links b{color:#fff}
footer{grid-template-columns:1.1fr .7fr 1fr}
.affiliation{justify-self:end}

@media(max-width:900px){.site-header{position:sticky;background:#fff}
.hero{height:700px}
.hero-copy{width:70vw}
.benefit-strip{grid-template-columns:1fr 1fr;gap:20px}
.benefit-strip article:nth-child(2){border-right:0}
.home-cards{grid-template-columns:1fr 1fr}
.home-card:last-child{grid-column:1/-1}
footer{grid-template-columns:1fr 1fr}
.affiliation{justify-self:start;text-align:left;justify-items:start}
}

@media(max-width:560px){.site-header{height:74px}
.new-brand img{height:62px;width:176px}
.hero{height:690px}
.hero-copy{top:43%;width:calc(100% - 40px)}
.hero-copy h1{font-size:3.15rem}
.hero-overlay{background:linear-gradient(90deg,rgba(255,255,255,.96),rgba(255,255,255,.78) 70%,rgba(255,255,255,.2))}
.benefit-strip,.home-cards{grid-template-columns:1fr;padding-left:20px;padding-right:20px}
.benefit-strip article{border-right:0;border-bottom:1px solid #b8ceda;padding:12px 0}
.benefit-strip article:last-child{border-bottom:0}
.home-card{height:360px}
.home-card:last-child{grid-column:auto}
footer{grid-template-columns:1fr}
.footer-brand img{width:180px;height:130px}
}

.new-brand img{object-fit:contain;object-position:center}
.footer-brand img{height:145px;object-fit:contain;object-position:center}

.hubspot-form-shell{background:#fff;padding:38px;border-top:5px solid var(--blue);box-shadow:0 16px 44px rgba(7,39,68,.18);border-radius:10px;min-height:430px}
.footer-brand img{filter:none!important;background:transparent!important}
.footer-brand{align-items:center}
.footer-brand>span{display:none}

@media(max-width:560px){.hubspot-form-shell{padding:24px;min-height:470px}
.site-header nav a[href="#programs"]{max-width:260px}
}


/* Featured FirstHomeGTA education video */
.featured-video{margin:52px clamp(28px,6vw,90px) 28px;padding:clamp(34px,5vw,68px);display:grid;grid-template-columns:minmax(0,1fr) minmax(260px,360px);gap:clamp(42px,7vw,92px);align-items:center;background:linear-gradient(135deg,#eef8fc 0%,#fff 54%,#e4f2f8 100%);border-radius:14px;box-shadow:0 18px 48px rgba(7,39,68,.12);overflow:hidden;position:relative}
.featured-video:before{content:"";position:absolute;width:280px;height:280px;border:54px solid rgba(22,136,189,.08);border-radius:50%;right:-125px;top:-130px}
.video-copy{position:relative;z-index:1}
.video-copy h2{max-width:680px;margin:8px 0 18px;color:var(--navy);font-size:clamp(2.25rem,4vw,4rem);line-height:1.02;letter-spacing:-.045em}
.video-copy>p:not(.eyebrow){max-width:660px;color:var(--ink);font-size:1.05rem;line-height:1.7}
.video-topics{display:flex;flex-wrap:wrap;gap:10px;margin:26px 0}
.video-topics span{padding:8px 13px;border:1px solid #a8cad9;border-radius:99px;color:var(--navy);background:rgba(255,255,255,.7);font-size:.78rem;font-weight:900;text-transform:uppercase;letter-spacing:.08em}
.video-link{display:inline-block;color:var(--blue);font-weight:900;text-decoration:none}
.shorts-frame{position:relative;z-index:1;aspect-ratio:9/16;width:100%;max-width:360px;justify-self:center;border:8px solid #fff;border-radius:20px;overflow:hidden;background:#071f39;box-shadow:0 22px 50px rgba(7,39,68,.25)}
.shorts-frame iframe{width:100%;height:100%;border:0;display:block}

@media(max-width:760px){.featured-video{grid-template-columns:1fr;margin:34px 20px 10px;padding:36px 22px;gap:34px}
.video-copy h2{font-size:2.45rem}
.shorts-frame{max-width:310px}
}

/* Accessibility and calculator guidance */
.skip-link{position:fixed;left:18px;top:14px;z-index:1000;transform:translateY(-180%);padding:10px 14px;background:#fff;color:var(--navy);font-weight:900;text-decoration:none;box-shadow:0 4px 18px rgba(0,0,0,.2)}
.skip-link:focus{transform:translateY(0)}
:focus-visible{outline:3px solid #f1b400;outline-offset:3px}
.tab:focus-visible{position:relative;z-index:2}
.calculator-note{max-width:820px;margin:16px 0 0;color:#c7d9e4;font-size:.82rem}

/* Canadian minimum down-payment rules */
.downpayment-rules{padding:100px clamp(24px,7vw,112px);background:#fff}
.downpayment-heading{max-width:920px}.downpayment-heading>p:last-child{max-width:760px;color:var(--muted);font-size:1.05rem}
.rule-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:42px}.rule-grid article{padding:32px;background:var(--ice);border-top:5px solid #8ca8b8}.rule-grid .rule-featured{background:var(--content-blue);color:#fff;border-color:#39a7d6;box-shadow:0 16px 38px rgba(7,39,68,.18)}.rule-grid span{display:block;min-height:34px;color:var(--blue);font-size:.7rem;font-weight:900;letter-spacing:.11em}.rule-featured span{color:#8dd4f2}.rule-grid strong{display:block;margin:8px 0;color:var(--navy);font-size:clamp(2.7rem,4vw,4.3rem);line-height:1;letter-spacing:-.05em}.rule-featured strong{color:#fff}.rule-grid h3{margin:0 0 17px;color:var(--navy);font-size:1.05rem}.rule-featured h3{color:#fff}.rule-grid p{margin:0;color:var(--muted)}.rule-featured p{color:#c7d8e3}.rule-grid b{color:var(--red)}.rule-featured b{color:#fff}
.downpayment-notes{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:22px}.downpayment-notes article{padding:23px;border:1px solid var(--line)}.downpayment-notes b{color:var(--navy)}.downpayment-notes p{margin:7px 0 0;color:var(--muted);font-size:.9rem}.rules-source{margin:22px 0 0;padding:17px 20px;background:#edf5f8;color:var(--muted);font-size:.84rem}.rules-source a{color:var(--blue);font-weight:900;text-decoration:none}

/* Down-payment compound-growth calculator */
.growth-calculator{padding:100px clamp(24px,7vw,112px);background:linear-gradient(135deg,#eef7fb 0%,#fff 62%)}
.growth-heading{display:grid;grid-template-columns:1.15fr .85fr;gap:70px;align-items:end}.growth-heading>p{margin:0;color:var(--muted);font-size:1.05rem}
.agent-card .brokerage-logo{width:180px;max-height:100px;object-fit:contain;background:#fff}
.growth-shell{display:grid;grid-template-columns:1.1fr .9fr;margin-top:42px;background:#fff;box-shadow:0 20px 55px rgba(7,39,68,.13)}
.growth-fields{padding:42px}.growth-fields h3{margin-top:0;color:var(--navy);font-size:1.55rem}.growth-fields label{display:grid;gap:7px;margin:14px 0;font-size:.86rem;font-weight:800;color:var(--navy)}
.growth-slider-label{display:flex!important;grid-template-columns:none!important;justify-content:space-between;align-items:center;margin:22px 0 6px!important}.growth-slider-label b{color:var(--blue);font-size:1rem}
.growth-slider{width:100%;accent-color:var(--blue);min-height:30px;padding:0;border:0}
.growth-result{padding:42px;background:linear-gradient(145deg,#245f85,#245f85);color:#fff;display:flex;flex-direction:column;justify-content:center}.growth-result>p{margin:0;color:#9fd2ee;font-size:.72rem;font-weight:900;letter-spacing:.14em}.growth-result>strong{font-size:clamp(3.1rem,5vw,5.4rem);line-height:1;margin:10px 0 28px}.growth-result small{color:#c4d5e0;margin-top:20px}.growth-bar{height:12px;display:flex;margin-top:22px;overflow:hidden;background:#245f85;border-radius:99px}.growth-bar span:first-child{background:#fff}.growth-bar span:last-child{background:#42b7e9}

/* Mortgage readiness */
.prequalification{padding:100px clamp(24px,7vw,112px);background:linear-gradient(135deg,#eef7fb,#fff)}
.prequal-intro{max-width:850px}.prequal-intro>p:last-child{font-size:1.05rem;color:var(--muted);max-width:700px}
.prequal-shell{display:grid;grid-template-columns:1.15fr .85fr;background:#fff;margin-top:42px;box-shadow:0 20px 55px rgba(7,39,68,.13)}
.prequal-fields{padding:42px}.prequal-fields h3{color:var(--navy);font-size:1.55rem;margin-top:0}
.prequal-fields label{display:grid;gap:7px;margin:14px 0;font-size:.86rem;font-weight:800;color:var(--navy)}
.prequal-result{padding:42px;background:var(--content-blue);color:#fff;display:flex;flex-direction:column;justify-content:center}.prequal-result>p{color:#9fd2ee;font-weight:900;letter-spacing:.14em;font-size:.72rem}.prequal-result>strong{font-size:clamp(3rem,5vw,5.2rem);line-height:1;margin:8px 0 28px}.prequal-result small{color:#c4d5e0;margin:20px 0}.prequal-result .btn{align-self:flex-start}
.approval-comparison{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:30px}.approval-comparison article{padding:32px;background:#fff;border-top:5px solid #8da9b9}.approval-comparison .approval-featured{border-color:var(--blue);box-shadow:0 12px 32px rgba(7,39,68,.1)}.approval-comparison span{font-size:.7rem;color:var(--blue);font-weight:900;letter-spacing:.14em}.approval-comparison h3{font-size:1.55rem;color:var(--navy);margin:7px 0}.approval-comparison p,.approval-comparison li{color:var(--muted)}.approval-comparison li{margin:7px 0}.approval-comparison b{color:var(--navy)}.approval-note{padding:18px 22px;background:#dcecf4;color:var(--ink);margin:20px 0 0}

@media(max-width:1150px){.site-header nav{display:none;position:absolute;left:0;right:0;top:96px;background:#fff;padding:20px;box-shadow:0 15px 25px rgba(7,39,68,.14);max-height:calc(100vh - 96px);overflow:auto}.site-header nav.open{display:grid}.menu{display:block}}
@media(max-width:900px){.rule-grid{grid-template-columns:1fr}.downpayment-notes{grid-template-columns:1fr}.growth-heading,.growth-shell,.prequal-shell{grid-template-columns:1fr}}
@media(max-width:620px){.downpayment-rules,.growth-calculator,.prequalification{padding:70px 20px}.approval-comparison{grid-template-columns:1fr}.growth-fields,.growth-result,.prequal-fields,.prequal-result{padding:28px 22px}.growth-result>strong,.prequal-result>strong{font-size:3rem}}
.program-list p a {
  color: var(--blue);
  font-weight: 800;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}
.program-note {
  margin: 20px 0 0;
  color: var(--muted);
  font-size: .8rem;
}
.program-title{font-size:clamp(3rem,5vw,5.4rem);line-height:.98;max-width:760px}
.incentives-page main{padding-top:96px}
@media(max-width:900px){.incentives-page main{padding-top:0}}

/* Visual home-buying roadmap */
.visual-roadmap{position:relative;padding:92px clamp(24px,7vw,112px);background:#245f85;overflow:hidden;isolation:isolate}
.visual-roadmap:before{content:"";position:absolute;z-index:0;inset:0;background:linear-gradient(90deg,rgba(36,95,133,.93) 0%,rgba(36,95,133,.76) 55%,rgba(36,95,133,.88) 100%),url("toronto-homeownership-hero.webp") center/cover no-repeat}
.visual-roadmap:after{content:"";position:absolute;z-index:1;right:-4%;top:0;width:42%;height:100%;background:linear-gradient(90deg,#245f85 0%,rgba(36,95,133,.42) 32%,rgba(36,95,133,.72) 100%),url("first-home-arrival.webp") 38% center/cover no-repeat;opacity:.42;mix-blend-mode:screen;mask-image:linear-gradient(90deg,transparent 0%,#000 34%);-webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 34%)}
.visual-roadmap>*{position:relative;z-index:2}
.roadmap-heading{display:grid;grid-template-columns:1.1fr .9fr;gap:70px;align-items:end;max-width:1280px;margin:0 auto}
.roadmap-heading>p{margin:0;color:#c2d3df;font-size:1.05rem;line-height:1.7}
.roadmap-steps{position:relative;display:grid!important;grid-template-columns:repeat(6,1fr)!important;gap:14px;margin:62px auto 36px!important;max-width:1400px}
.roadmap-steps:before{content:"";position:absolute;left:7%;right:7%;top:31px;height:3px;background:linear-gradient(90deg,#42b7e9,#d7192d);opacity:.8}
.roadmap-steps li{position:relative;padding:0 18px 24px!important;border:1px solid rgba(255,255,255,.18)!important;border-top:0!important;background:rgba(36,95,133,.72)!important;backdrop-filter:blur(7px);-webkit-backdrop-filter:blur(7px);min-height:260px;display:flex;flex-direction:column;align-items:flex-start;box-shadow:0 14px 32px rgba(0,0,0,.16)}
.roadmap-steps li:nth-child(even){background:rgba(40,109,151,.78)!important}
.roadmap-number{position:relative;z-index:2;width:64px;height:64px;margin:-1px 0 24px;display:grid;place-items:center;border-radius:50%;background:#fff;color:var(--navy)!important;border:6px solid #0a3558;font-size:1rem;font-weight:900;box-shadow:0 0 0 3px #42b7e9}
.roadmap-steps li:last-child .roadmap-number{background:var(--red);color:#fff!important;box-shadow:0 0 0 3px #fff}
.roadmap-steps em{font-style:normal;color:#7bc8ec;font-size:.66rem;font-weight:900;letter-spacing:.15em}
.roadmap-steps b{margin:9px 0 10px!important;color:#fff;font-size:1.05rem;line-height:1.25}
.roadmap-steps p{margin:0!important;color:#b9ccd9!important;font-size:.86rem!important;line-height:1.55}
.visual-roadmap .process-notes{max-width:1400px;margin:0 auto;gap:14px}
.visual-roadmap .process-notes article{display:flex;gap:18px;align-items:center;padding:22px 24px;background:#fff;border:0;color:var(--ink)}
.visual-roadmap .process-notes article>span{flex:0 0 48px;width:48px;height:48px;display:grid;place-items:center;border-radius:50%;background:#e7f4fa;color:var(--blue);font-size:1.25rem;font-weight:900}
.visual-roadmap .process-notes h3{margin:0 0 4px;color:var(--navy);font-size:1rem}
.visual-roadmap .process-notes p{margin:0;color:var(--muted);font-size:.8rem}
@media(max-width:1100px){.roadmap-steps{grid-template-columns:repeat(3,1fr)!important}.roadmap-steps:before{display:none}.roadmap-steps li{min-height:230px}.roadmap-number{margin-top:18px}}
@media(max-width:760px){.visual-roadmap{padding:70px 20px}.visual-roadmap:before{background:linear-gradient(rgba(36,95,133,.88),rgba(36,95,133,.94)),url("toronto-homeownership-hero.webp") center/cover no-repeat}.visual-roadmap:after{display:none}.roadmap-heading{grid-template-columns:1fr;gap:22px}.roadmap-steps{grid-template-columns:1fr!important;margin-top:38px!important}.roadmap-steps li{min-height:0;padding:20px!important;display:grid;grid-template-columns:58px 1fr;column-gap:16px}.roadmap-number{grid-row:1/5;width:52px;height:52px;margin:0;border-width:4px}.roadmap-steps em,.roadmap-steps b,.roadmap-steps p{grid-column:2}.visual-roadmap .process-notes{grid-template-columns:1fr}}
/* Compact discovery link, available in the existing mobile menu. */
.site-header nav a.nav-search{font-weight:700;text-decoration:underline;text-underline-offset:4px}
.site-header nav a.nav-search:focus-visible{outline:3px solid #f7c83c;outline-offset:3px}