.resource-page .resource-hub-hero{background:var(--navy);color:white;padding:58px 0 62px;position:relative;overflow:hidden}.resource-hub-hero:after{content:"";position:absolute;width:390px;height:390px;border:1px solid #edc27733;border-radius:50%;right:-70px;top:-100px;box-shadow:0 0 0 55px #edc27709,0 0 0 110px #edc27708;pointer-events:none}.resource-hub-hero .wrap{position:relative;z-index:1}.resource-hub-hero .eyebrow{color:var(--gold)}.resource-hub-hero h1{max-width:820px}.resource-hub-hero em{color:var(--gold)}.resource-hub-hero p:not(.eyebrow){color:#d4e0e6;font-size:19px;line-height:1.7;max-width:630px;margin:22px 0 27px}.resource-library{padding-block:55px 75px}.guide-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:25px}.guide-card-grid.two{grid-template-columns:1fr 1fr}.guide-card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:white;transition:transform .18s,box-shadow .18s}.guide-card:hover{transform:translateY(-3px);box-shadow:0 10px 24px #17283313}.guide-art{height:135px;background:#e9eff0;position:relative;overflow:hidden;display:flex;align-items:center;padding:30px}.guide-art>span{font-size:64px;color:#234957;line-height:1;font-weight:600;z-index:1}.guide-art i{height:150px;width:150px;border:1px solid #9bafb9;border-radius:50%;position:absolute;right:30px;top:35px;box-shadow:0 0 0 24px #ffffff50,0 0 0 48px #ffffff35}.guide-card:nth-child(3n+2) .guide-art{background:#f4ebda}.guide-card:nth-child(3n+2) .guide-art span{color:#89652f}.guide-card:nth-child(3n+2) .guide-art i{border-color:#bea477}.guide-card:nth-child(3n) .guide-art{background:#e6eee8}.guide-card-copy{padding:26px;display:flex;flex:1;flex-direction:column}.guide-card-copy h3{font-size:25px;margin-bottom:14px}.guide-card-copy>p:not(.eyebrow){font-size:15px;line-height:1.7;margin-bottom:25px}.guide-card-copy>strong{font-size:13px;margin-top:auto}.guide-hero{padding:35px 0 45px;background:#f4f2ed;border-bottom:1px solid var(--line)}.back-link{font-size:13px;font-weight:650;display:inline-block;margin-bottom:27px}.guide-hero h1{max-width:950px;font-size:clamp(37px,4.1vw,59px);line-height:1.09}.guide-deck{max-width:810px;font-size:19px;line-height:1.75;margin-top:24px}.guide-byline{font-size:12px;margin-top:25px}.guide-layout{display:grid;grid-template-columns:250px minmax(0,790px);gap:70px;padding-top:45px;justify-content:space-between}.guide-toc{align-self:start;position:sticky;top:25px;padding-top:5px}.guide-toc>a{display:block;font-size:13px;line-height:1.5;padding:11px 0;border-bottom:1px solid var(--line);color:#425863}.guide-toc>a:hover{text-decoration:underline;text-underline-offset:3px}.guide-toc .toc-calculator{background:var(--light);padding:16px;border:0;border-radius:6px;margin-top:20px;font-weight:700}.guide-body{min-width:0}.guide-body section{margin-top:38px;scroll-margin-top:30px}.guide-body h2{font-size:29px;margin-bottom:18px;line-height:1.2}.guide-body p,.guide-body li{font-size:17px;line-height:1.85;color:#40515b}.guide-body p+p{margin-top:17px}.guide-body ul{padding-left:23px}.guide-body li{margin:9px 0}.quick-answer{background:#f0f5f3;padding:30px;border:1px solid #dce7e0;border-radius:10px}.quick-answer>.eyebrow,.takeaway-list>.eyebrow{font-size:10px;line-height:1.4;letter-spacing:.12em;color:#526b60;margin-bottom:14px}.quick-answer>p:not(.eyebrow){font-size:21px;font-weight:650;color:#233e35;line-height:1.55}.quick-answer ul{margin-bottom:0}.quick-answer li{font-size:15px}.guide-body .policy-link{font-size:12px;margin-top:18px}.policy-link a,.calculator-source a,.calculator-inputs noscript a{border-bottom:1px solid #9faeb5}.table-scroll{max-width:100%;overflow-x:auto;margin-block:22px;border:1px solid var(--line);border-radius:8px}.resource-page table{border-collapse:collapse;width:100%;text-align:left;font-size:14px}.resource-page th,.resource-page td{padding:15px 17px;border-bottom:1px solid var(--line);vertical-align:top}.resource-page thead{background:#edf2f4}.resource-page tbody th{font-weight:600;width:34%;color:var(--ink)}.resource-page tbody tr:last-child>*{border-bottom:0}.resource-page td{color:#445963}.takeaway-list{padding:30px;background:#faf4e8;border-radius:10px}.takeaway-list ul{list-style:none;padding:0;margin:0}.takeaway-list li{position:relative;padding-left:28px;font-size:16px}.takeaway-list li:before{content:'✓';position:absolute;left:0;color:#8d662b;font-weight:700}.guide-body .faq-list p{font-size:16px}.guide-body .guide-note{font-size:12px;margin:28px 0 45px;line-height:1.7}.related-guides{padding-block:45px 60px;border-top:1px solid var(--line)}.related-guides h2{margin-bottom:25px}.related-guides .guide-art{height:95px}.related-guides .guide-art span{font-size:44px}.resource-cta{background:var(--navy);padding:45px 0;color:white}.resource-cta>.wrap{display:flex;justify-content:space-between;align-items:center;gap:30px}.resource-cta .eyebrow{color:var(--gold)}.resource-cta p:not(.eyebrow){color:#d4e0e6;margin-top:17px}.resource-footer{display:flex;justify-content:space-between;gap:35px;padding-block:45px}.resource-footer p{font-size:14px;margin-top:17px}.resource-footer>div:last-child{display:grid;grid-template-columns:1fr 1fr;gap:14px 45px;font-size:14px;align-content:start}.calculator-hero{padding-bottom:70px}.calculator-hero .back-link{color:#d5e0e5}.calculator-layout{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start;padding-block:40px 60px}.calculator-inputs{border:1px solid var(--line);border-radius:12px;padding:30px;background:white}.calculator-inputs h2{font-size:29px;margin-bottom:12px}.input-help{font-size:12px;line-height:1.7;margin:8px 0 20px}.calculator-fields{display:grid;grid-template-columns:1fr 1fr;gap:20px}.calculator-fields .full{grid-column:1/-1}.calculator-fields label{font-weight:650;font-size:13px;min-width:0}.calculator-fields input,.calculator-fields select{display:block;width:100%;min-width:0;padding:12px 13px;border:1px solid #aebdc5;border-radius:6px;margin-top:8px;font-size:17px;color:var(--ink);background:white}.calculator-fields small{display:block;font-size:12px;line-height:1.65;font-weight:400;color:var(--muted);margin-top:8px}.calculator-inputs fieldset{border:0;border-top:1px solid var(--line);margin:30px 0 25px;padding:20px 0 0;min-width:0}.calculator-inputs legend{font-size:19px;font-weight:700;padding:0 12px 0 0}.calculator-inputs button{width:100%}.calculator-results{display:grid;gap:22px;min-width:0}.payment-card{background:var(--navy);color:white;padding:32px;border-radius:12px}.payment-card .eyebrow{color:var(--gold)}.payment-card h2{font-size:clamp(35px,4vw,54px);line-height:1.2;margin:10px 0}.payment-card h2 small{font-weight:400;font-size:16px;margin-left:10px;letter-spacing:0;color:#c7d8e0}.payment-card>p:not(.eyebrow){font-size:13px;color:#c7d8e0}.monthly-total{border-top:1px solid #ffffff30;padding-top:22px;margin-top:25px;display:flex;justify-content:space-between;gap:15px;align-items:center}.monthly-total span{font-size:14px}.monthly-total strong{font-size:27px;white-space:nowrap}.cost-bar{display:flex;border-radius:5px;overflow:hidden;height:10px;margin:20px 0}.cost-bar span{height:100%;min-width:0}.payment-card dl{margin:15px 0 0;display:grid;gap:9px}.payment-card dl>div{display:flex;justify-content:space-between;gap:15px;font-size:13px}.payment-card dt{color:#dde8ec}.payment-card dt i{display:inline-block;width:9px;height:9px;border-radius:2px;margin-right:8px}.payment-card dd{margin:0}.rate-card{background:#fbf4e7;border:1px solid #eadbbc;padding:26px;border-radius:10px}.rate-card h3{font-size:23px;margin-bottom:14px}.rate-card p:not(.eyebrow){line-height:1.75;font-size:15px}.rate-card small{font-size:11px;display:block;color:var(--muted);margin-top:12px;line-height:1.6}.term-card{padding:27px;border:1px solid var(--line);border-radius:10px}.term-card h3{font-size:23px}.term-stats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px;margin-top:22px}.term-stats span{display:block;font-size:11px;color:var(--muted);margin-bottom:7px}.term-stats strong{display:block;font-size:18px;overflow-wrap:anywhere}.repayment-bar{height:12px;background:#edc277;border-radius:5px;overflow:hidden;margin-top:22px}.repayment-bar span{display:block;height:100%;background:#2b685a}.chart-key{font-size:10px;margin-top:10px;line-height:1.7}.chart-key i,.chart-key b{width:9px;height:9px;display:inline-block;background:#2b685a;margin-right:3px}.chart-key b{background:#edc277;margin-left:9px}.term-card details{margin-top:22px}.term-card summary{font-size:13px;font-weight:600;cursor:pointer}.term-card table{font-size:12px;min-width:330px}.term-card th,.term-card td{padding:11px 10px;white-space:nowrap}.calc-error{font-size:14px;color:#a12f26;margin-top:16px}.calculator-notes{display:grid;grid-template-columns:1fr 1.2fr;gap:65px;padding-block:40px 30px;border-top:1px solid var(--line)}.calculator-notes h2{font-size:33px}.calculator-notes>div>p:not(.eyebrow){line-height:1.8;margin:22px 0}.calculator-notes .text-link{display:inline-block}.calculator-notes .faq-list p{line-height:1.8}.calculator-source{font-size:12px;padding-bottom:40px;line-height:1.8}
@media(max-width:1000px){.guide-layout{grid-template-columns:210px minmax(0,1fr);gap:35px}.guide-card-grid{grid-template-columns:1fr 1fr}.calculator-layout{gap:22px}.calculator-inputs,.payment-card{padding:24px}.term-stats{grid-template-columns:1fr}.term-stats>div{display:flex;justify-content:space-between;gap:15px}.term-stats span{margin:0}.monthly-total{align-items:start;flex-direction:column}.resource-cta>.wrap{align-items:start;flex-direction:column}}
@media(max-width:700px){.guide-layout{grid-template-columns:1fr;gap:25px;padding-top:25px}.guide-toc{position:static;display:grid;grid-template-columns:1fr 1fr;gap:0 20px}.guide-toc>.eyebrow,.guide-toc .toc-calculator{grid-column:1/-1}.guide-toc>a{font-size:12px}.guide-hero h1{font-size:38px}.guide-deck{font-size:17px}.guide-body p,.guide-body li{font-size:16px}.quick-answer,.takeaway-list{padding:23px}.quick-answer>p:not(.eyebrow){font-size:19px}.guide-body h2{font-size:27px}.calculator-layout,.calculator-notes{grid-template-columns:1fr;gap:28px}.calculator-results{gap:18px}.monthly-total{flex-direction:row;align-items:center}.term-stats{grid-template-columns:repeat(3,minmax(0,1fr))}.term-stats>div{display:block}.term-stats span{margin-bottom:7px}.resource-footer{flex-direction:column}.calculator-notes{padding-top:30px}.resource-page .resource-hub-hero h1{font-size:43px}.resource-hub-hero p:not(.eyebrow){font-size:17px}.resource-hub-hero:after{right:-260px}.guide-card-copy h3{font-size:23px}.guide-card-copy{padding:21px}}
@media(max-width:480px){.guide-card-grid,.guide-card-grid.two{grid-template-columns:1fr}.guide-art{height:105px}.guide-card-copy{padding:25px}.resource-library{padding-block:35px 45px}.resource-page .resource-hub-hero{padding:35px 0 40px}.resource-page .resource-hub-hero h1{font-size:39px}.resource-page .guide-hero h1{font-size:35px}.guide-byline{font-size:11px}.guide-hero{padding-block:25px 32px}.guide-toc{gap:0 16px}.calculator-inputs{padding:23px 18px}.calculator-fields{gap:20px 13px}.calculator-fields label{font-size:12px}.calculator-fields input,.calculator-fields select{font-size:16px;padding:12px 10px}.payment-card{padding:25px 20px}.payment-card h2{font-size:39px}.payment-card h2 small{font-size:13px;margin-left:5px}.monthly-total strong{font-size:25px}.monthly-total span{font-size:12px}.term-card{padding:23px 18px}.term-stats{gap:12px}.term-stats strong{font-size:16px}.term-stats span{font-size:10px}.resource-page td,.resource-page th{padding:12px;font-size:13px}.term-card td,.term-card th{font-size:11px}.calculator-notes h2,.resource-cta h2{font-size:32px}.resource-cta .company-actions{gap:12px}.guide-body section{margin-top:30px}.table-scroll{border-radius:5px}.related-guides{padding-block:35px}.resource-footer>div:last-child{gap:14px 25px}.guide-body .faq-list p{font-size:15px}}
@media(prefers-reduced-motion:reduce){.guide-card{transition:none}.guide-card:hover{transform:none}}

@media(max-width:480px){.calculator-inputs fieldset label>span{display:block;min-height:38px}}

/* Pre-construction resources: native timelines, document cards and glossary. */
.hub-actions{display:flex;align-items:center;gap:24px;flex-wrap:wrap}.hub-jump{color:#fff;text-underline-offset:5px;font-size:14px}.preconstruction-library{background:#f3f5f4;padding:65px 0 75px;scroll-margin-top:30px}.preconstruction-library .section-head>p{max-width:380px}.preconstruction-library .guide-art{height:125px}.preconstruction-library .guide-art>span{font-size:39px;letter-spacing:-1px}.purchase-timeline{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));list-style:none!important;padding:0!important;margin:28px 0!important;gap:12px}.guide-body .purchase-timeline li{position:relative;background:var(--navy);color:white;border-radius:9px;padding:22px 18px;margin:0;min-width:0}.timeline-number{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:50%;background:var(--gold);color:var(--navy);font-size:14px;font-weight:700;margin-bottom:20px}.guide-body .purchase-timeline h3{font-size:20px;color:white;margin:0 0 12px;line-height:1.3}.guide-body .purchase-timeline p{color:#dce5e9;font-size:14px;line-height:1.65;margin:0}.document-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:25px 0}.document-grid>div{border:1px solid #d9dfde;border-radius:8px;background:#f7f8f5;padding:24px}.document-grid span{color:#6e571d;font-weight:700;font-size:13px}.guide-body .document-grid h3{font-size:21px;line-height:1.35;margin:14px 0 9px}.guide-body .document-grid p{font-size:15px;margin:0}.glossary-terms{margin:0}.glossary-terms>div{padding:22px 0;border-bottom:1px solid var(--line)}.glossary-terms dt{font-size:20px;font-weight:700;line-height:1.4;margin-bottom:9px}.glossary-terms dd{margin:0;line-height:1.8;font-size:16px}.glossary-terms dd a{display:block;width:fit-content;font-size:13px;font-weight:650;margin-top:9px;text-underline-offset:3px}.guide-context-links{display:flex;flex-direction:column;gap:12px;margin:22px 0;font-size:14px;font-weight:600;text-underline-offset:4px}.guide-body .policy-link{font-size:12px!important}.guide-body section{scroll-margin-top:30px}
@media(max-width:1000px){.purchase-timeline{grid-template-columns:1fr}.guide-body .purchase-timeline li{padding:22px 24px 22px 80px}.timeline-number{position:absolute;left:23px;top:22px}.guide-body .purchase-timeline h3{margin-bottom:8px}}
@media(max-width:700px){.preconstruction-library{padding:40px 0}.hub-actions{gap:20px}.document-grid{grid-template-columns:1fr}.document-grid>div{padding:22px}.preconstruction-library .guide-art{height:100px}.glossary-terms dt{font-size:19px}.glossary-terms dd{font-size:16px}}
@media print{.guide-toc,.reviewbar,.contactbar,header,footer,.resource-cta,.related-guides{display:none}.guide-layout{display:block}.guide-body{max-width:none}.guide-body section{break-inside:avoid}.guide-hero{padding:0}.purchase-timeline li{border:1px solid #777}.guide-body .purchase-timeline h3,.guide-body .purchase-timeline p{color:#111}}