:root{--yellow:#ffd400;--yellow2:#ffca00;--ink:#111;--muted:#6f706c;--line:#e5e5df;--soft:#f5f5f0;--radius:22px;--shadow:0 18px 50px rgba(17,17,17,.07)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#f5f5f1;color:var(--ink);font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;-webkit-font-smoothing:antialiased}.loan-page{width:min(1120px,calc(100% - 28px));margin:auto;padding:28px 0 86px}.hero{background:#111;color:#fff;border-radius:30px;padding:42px;display:grid;grid-template-columns:minmax(0,1.35fr) minmax(260px,.65fr);gap:24px;align-items:end;overflow:hidden;position:relative}.hero:after{content:"";position:absolute;width:300px;height:300px;border-radius:50%;background:var(--yellow);filter:blur(130px);opacity:.12;right:-80px;top:-120px}.hero h1{font-size:clamp(42px,6vw,68px);line-height:.98;letter-spacing:-.06em;margin:12px 0 16px;max-width:860px}.hero p{color:#bdbdbd;line-height:1.65;max-width:740px;margin:0}.hero-trust{display:flex;gap:9px;flex-wrap:wrap;margin-top:22px}.hero-trust span{border:1px solid #343434;border-radius:999px;padding:8px 11px;font-size:11px;color:#ddd}.hero-property{position:relative;z-index:1;background:#202020;border:1px solid #343434;border-radius:17px;padding:10px;display:grid;grid-template-columns:82px 1fr;gap:12px}.hero-property img{width:82px;height:74px;border-radius:11px;object-fit:cover;background:#2b2b2b}.hero-property small,.hero-property strong,.hero-property span{display:block}.hero-property small{color:#999;font-size:9px;letter-spacing:.1em}.hero-property strong{font-size:13px;line-height:1.4;margin:6px 0}.hero-property span{font-size:11px;color:var(--yellow)}.eyebrow{font-size:11px;font-weight:900;letter-spacing:.14em;color:var(--yellow)}.eyebrow.dark{color:#7a6600}.journey{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:15px}.journey span{background:#fff;border:1px solid var(--line);border-radius:14px;padding:11px 13px;font-size:11px;font-weight:800;color:#797a76;display:flex;align-items:center;gap:8px}.journey b{display:grid;place-items:center;width:22px;height:22px;border-radius:50%;background:#ecece7}.journey .is-active{color:#111;border-color:#cfcfc8}.journey .is-active b{background:var(--yellow)}.calculator-layout{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:23px;margin-top:16px;box-shadow:var(--shadow)}.card-title,.section-heading,.schedule-heading{display:flex;justify-content:space-between;gap:20px;align-items:flex-start}.card-title h2,.section-heading h2{font-size:26px;letter-spacing:-.035em;margin:7px 0 0}.section-heading p{color:var(--muted);font-size:12px;line-height:1.6;margin:7px 0 0;max-width:650px}.text-btn{border:0;background:none;font-weight:800;font-size:11px;color:#777;cursor:pointer}.field-block{padding:21px 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strong{font-size:clamp(34px,4.5vw,50px);color:var(--yellow);line-height:1;letter-spacing:-.04em}.risk-line{font-size:10px;color:#aaa;margin-bottom:13px}.risk-line>div{height:6px;background:#2f2f2f;border-radius:999px;overflow:hidden;margin:7px 0}.risk-line i{display:block;height:100%;width:0;background:var(--yellow);border-radius:inherit;transition:width .25s}.risk-line b{color:#fff}.metrics{display:grid;grid-template-columns:1fr 1fr;gap:8px}.metrics div{background:#202020;border-radius:12px;padding:12px}.metrics span{display:block;color:#999;font-size:10px;margin-bottom:5px}.metrics strong{font-size:14px}.assessment{background:#292929;border-left:4px solid var(--yellow);border-radius:10px;padding:13px;margin-top:13px;font-size:12px;line-height:1.55}.compare-title{font-size:12px;font-weight:900;margin:18px 0 9px}.term-compare{display:grid;grid-template-columns:repeat(3,1fr);gap:7px}.term-option{border:1px solid #353535;background:#1c1c1c;color:#fff;border-radius:10px;padding:10px 8px;text-align:left;cursor:pointer}.term-option strong,.term-option span{display:block}.term-option strong{font-size:12px}.term-option span{font-size:10px;color:var(--yellow);margin-top:4px}.term-option.is-current{border-color:var(--yellow)}.summary-actions{display:grid;grid-template-columns:1fr auto;gap:8px;margin-top:17px}.summary-cta,.secondary-btn{display:flex;justify-content:center;align-items:center;border:0;text-decoration:none;font-weight:900;border-radius:11px;padding:14px;cursor:pointer}.summary-cta{background:var(--yellow);color:#111}.secondary-btn{background:#272727;color:#fff;border:1px solid #3b3b3b}.disclaimer{font-size:10px;color:#8f8f8f;line-height:1.55;margin-bottom:0}.bank-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:18px}.bank-option{border:1px solid var(--line);border-radius:15px;padding:15px;background:#fff}.bank-option.is-warning{opacity:.68}.bank-top{display:flex;justify-content:space-between;gap:8px;align-items:center}.bank-top 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span{background:#202020;border-radius:9px;padding:9px;color:#999;font-size:9px}.selected-plan b{display:block;color:#fff;font-size:11px;margin-top:4px}.quick-group{margin-top:18px}.quick-title{font-size:12px;font-weight:900;margin-bottom:8px}.quick-chips{display:flex;flex-wrap:wrap;gap:8px}.quick-chips button{border:1px solid #d9d9d2;background:#fff;border-radius:999px;padding:9px 12px;font-size:12px;font-weight:800;cursor:pointer}.quick-chips button.is-active{background:#111;color:#fff;border-color:#111}.section{margin-top:15px}.advanced{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:5px 0 15px}.advanced summary{cursor:pointer;font-size:13px;font-weight:900;padding:9px 0}.advanced summary span{font-weight:600;color:#888;font-size:10px}.advanced-grid{grid-template-columns:repeat(3,1fr);margin-top:8px}.advanced-grid .wide{grid-column:span 3}.consent{display:flex;gap:8px;font-size:12px;line-height:1.5;color:#656565}.consent 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@media(max-width:900px){.hero{grid-template-columns:1fr}.calculator-layout,.form-heading{grid-template-columns:1fr}.summary-card{position:static}.bank-grid{grid-template-columns:1fr 1fr}.advanced-grid{grid-template-columns:1fr 1fr}.advanced-grid .wide{grid-column:span 2}}
@media(max-width:600px){.loan-page{padding-top:14px;padding-bottom:130px}.hero{padding:28px 20px;border-radius:22px}.hero h1{font-size:43px}.journey{grid-template-columns:1fr}.journey span:not(.is-active){display:none}.card{padding:17px;border-radius:18px}.compact-grid,.form-short,.advanced-grid{grid-template-columns:1fr}.advanced-grid .wide{grid-column:auto}.metrics{grid-template-columns:1fr 1fr}.term-compare{grid-template-columns:repeat(3,1fr)}.quick-chips{display:grid;grid-template-columns:1fr 1fr}.quick-chips button{text-align:left;padding:10px}.bank-grid{grid-template-columns:1fr}.schedule-heading{display:block}.schedule-actions{margin-top:12px}.form-heading h2{font-size:29px}.selected-plan>div{grid-template-columns:1fr 1fr}.mobile-result{display:block;position:fixed;left:10px;right:10px;bottom:10px;z-index:99999;background:#111;color:#fff;border-radius:16px;box-shadow:0 18px 50px rgba(0,0,0,.3);overflow:hidden}.mobile-result>button{width:100%;display:flex;justify-content:space-between;align-items:center;border:0;background:#111;color:#fff;padding:12px 14px;text-align:left}.mobile-result small,.mobile-result strong{display:block}.mobile-result small{font-size:9px;color:#999}.mobile-result strong{font-size:15px;color:var(--yellow);margin-top:3px}.mobile-result i{font-style:normal}.mobile-result>div{display:none;grid-template-columns:1fr 1fr auto;gap:8px;align-items:center;padding:0 12px 12px;font-size:9px}.mobile-result>div span,.mobile-result>div b{display:block}.mobile-result>div b{font-size:11px;margin-top:3px}.mobile-result>div a{background:var(--yellow);color:#111;text-decoration:none;font-weight:900;padding:10px;border-radius:9px}.mobile-result.is-open>div{display:grid}.mobile-result.is-open i{transform:rotate(180deg)}}
@media print{#hay-header,#hay-footer,.journey,.hero-trust,.summary-actions,.bank-option button,.schedule-actions,.form-card,.mobile-result{display:none!important}body{background:#fff}.loan-page{width:100%;padding:0}.hero,.summary-card{background:#fff;color:#111;border:1px solid #ddd}.hero p,.main-result small,.metrics span,.disclaimer{color:#555}.main-result strong,.eyebrow{color:#806b00}.calculator-layout{grid-template-columns:1fr 1fr}.summary-card{position:static}.metrics div{background:#f5f5f5}.assessment{background:#f5f5f5}.schedule-wrap{display:block!important}}

/* V5.1 Conversion form + direct-page context */
.hero.no-property{grid-template-columns:1fr}.hero.no-property .hero-copy{max-width:860px}.form-heading.no-property{grid-template-columns:1fr}.form-heading.no-property>div:first-child{max-width:720px}.primary-fields{margin-top:22px}.choice-row{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:6px}.quick-chips.compact{gap:7px}.quick-chips.compact button{padding:9px 12px;transition:.18s transform,.18s background,.18s border-color}.quick-chips.compact button:hover{transform:translateY(-1px);border-color:#111}.advanced-toggle{width:100%;display:flex;align-items:center;gap:8px;border:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff;padding:15px 0;margin-top:20px;text-align:left;font:inherit;font-size:13px;font-weight:900;cursor:pointer}.advanced-toggle>span{width:24px;height:24px;border-radius:50%;display:grid;place-items:center;background:#111;color:#fff;font-size:17px;line-height:1}.advanced-toggle small{margin-left:auto;color:#888;font-size:10px;font-weight:600}.advanced-panel{padding:14px 0 4px}.consent{padding:11px 12px;background:var(--soft);border-radius:11px;color:#4d4d49}.btn{font-size:15px;min-height:52px}.form-trust{font-size:10px}.selected-plan[hidden],.hero-property[hidden],.advanced-panel[hidden]{display:none!important}
@media(max-width:900px){.choice-row{grid-template-columns:1fr;gap:4px}}
@media(max-width:600px){.form-card{padding:18px}.form-heading h2{font-size:28px}.primary-fields{margin-top:14px}.choice-row{margin-top:2px}.quick-group{margin-top:15px}.quick-chips.compact{grid-template-columns:1fr 1fr}.advanced-toggle{align-items:flex-start}.advanced-toggle small{display:none}.form-trust{gap:9px}.hero.no-property{padding-bottom:30px}}