:root{color-scheme:light;--navy:#14283d;--navy2:#1d3a56;--cream:#f8f7f2;--white:#fff;--ink:#14283d;--muted:#566779;--line:#dce4e8;--gold:#a8793f;--pale:#e9f0f3}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font:16px/1.48 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:inherit}button,input,select{font:inherit}button{cursor:pointer}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #b47f3b;outline-offset:3px}.shell{width:min(1160px,calc(100% - 36px));margin-inline:auto}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.topbar{background:var(--navy);color:white}.top-inner{width:min(1160px,calc(100% - 36px));margin:auto;min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;font-size:1.04rem;font-weight:800;line-height:1.05}.brand small{display:block;color:#d8bc92;font-size:.62rem;letter-spacing:.16em;text-transform:uppercase;margin-top:6px}.brand-mark{width:36px;height:36px;display:grid;place-items:center;border:1px solid #cba06d;border-radius:8px;font-size:1.5rem}.brand-dot{color:#d8ab72}.top-contact{padding:9px 14px;border:1px solid #c8ad8b;border-radius:6px;text-decoration:none;font-size:.87rem;font-weight:700}.top-contact:hover{background:#ffffff1c}
.intro{display:flex;align-items:end;justify-content:space-between;gap:30px;padding:46px 0 34px}.eyebrow,.step-label{display:block;color:#8d6331;font-size:.74rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase}.eyebrow{margin:0 0 12px}h1,h2,p{margin-top:0}h1{font-size:clamp(2.65rem,5vw,4.6rem);line-height:1.03;letter-spacing:-.055em;margin:0 0 12px}h1 em{font-style:normal;color:#9a6d37}.intro-copy{font-size:1.08rem;color:#526477;max-width:550px;margin:0}.install-note{display:flex;align-items:center;gap:12px;max-width:350px;min-width:275px;background:#e9eff2;border:1px solid #d6e2e7;padding:13px 15px;border-radius:12px}.install-icon{font-size:1.7rem;color:#a37438}.install-note strong,.install-note span:not(.install-icon){display:block}.install-note strong{font-size:.87rem}.install-note div span{font-size:.78rem;color:#536576;margin-top:2px}.install-note button{margin-left:auto;background:var(--navy);color:white;border:0;border-radius:6px;padding:7px 10px;font-size:.82rem}
.app-grid{display:grid;grid-template-columns:minmax(0,1.03fr) minmax(0,.97fr);gap:24px;align-items:start}.input-panel,.results-panel,.payoff-card{border:1px solid var(--line);background:white;border-radius:16px;box-shadow:0 12px 35px #1830490c}.input-panel{padding:29px}.panel-head h2,.results-head h2,.section-title h2{font-size:1.65rem;letter-spacing:-.035em;line-height:1.12;margin:8px 0}.panel-head p{color:var(--muted);font-size:.91rem;margin:0 0 10px}fieldset{border:0;border-top:1px solid var(--line);padding:21px 0 7px;margin:17px 0 0;min-width:0}legend{font-weight:800;font-size:1.01rem;padding:0 10px 0 0}.optional{font-weight:500;color:var(--muted);font-size:.83rem}.fields{display:grid;gap:14px}.fields.two{grid-template-columns:repeat(2,minmax(0,1fr))}label{font-size:.82rem;font-weight:700;color:#334b61}.field{display:flex;align-items:center;width:100%;margin-top:6px;border:1px solid #cbd6dd;background:#fbfcfc;border-radius:8px;min-height:47px;padding:0 11px;gap:5px;color:#6b7a87}.field:focus-within{border-color:#8a663e;box-shadow:0 0 0 3px #b9936340}.field input{border:0;background:transparent;outline:0;color:var(--ink);font-size:1.04rem;font-weight:700;min-width:0;width:100%;height:45px}.field span:last-child{white-space:nowrap}.checkline{display:flex;align-items:center;gap:9px;margin-top:15px;font-size:.86rem;font-weight:600;color:#44596b}.checkline input{width:18px;height:18px;accent-color:var(--navy)}.form-error{background:#fff1ef;color:#982d24;padding:10px 12px;border-radius:7px;font-size:.89rem;margin:10px 0}
.results-column{display:grid;gap:19px}.results-panel{overflow:hidden}.results-head{padding:28px 28px 17px}.pi-note{color:var(--muted);font-size:.8rem}.payment-grid{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.payment-grid>div{background:#f9fbfb;padding:23px 26px}.payment-grid>div.new-payment{background:#edf4f5}.payment-grid span,.metric-grid span,.payoff-stats span{display:block;color:#5c6c7a;font-size:.82rem;font-weight:700}.payment-grid strong{display:block;font-size:clamp(1.55rem,2.5vw,2.15rem);letter-spacing:-.05em;margin-top:5px}.new-payment strong{color:#1b5d69}.savings-line{background:var(--navy);color:white;padding:24px 28px}.savings-line div{display:flex;align-items:baseline;justify-content:space-between;gap:15px}.savings-line span{font-size:.88rem;color:#c5d2dc;font-weight:700}.savings-line strong{font-size:1.8rem;letter-spacing:-.05em;text-align:right}.savings-line p{font-size:.79rem;color:#bccbd7;margin:4px 0 0}.metric-grid{display:grid;grid-template-columns:1fr 1fr}.metric-grid>div{padding:22px 27px;border-bottom:1px solid var(--line)}.metric-grid>div:first-child{border-right:1px solid var(--line)}.metric-grid strong{display:block;font-size:1.25rem;letter-spacing:-.03em;margin:6px 0 4px}.metric-grid small{display:block;color:#667685;font-size:.75rem;line-height:1.4}.result-caveat{font-size:.79rem;color:#667685;padding:17px 27px 22px;margin:0}.payoff-card{padding:26px 28px}.payoff-stats{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:24px 0 10px}.payoff-stats strong{display:block;font-size:1.35rem;letter-spacing:-.03em;margin-top:6px}.subtext{font-size:.82rem;color:#607180;margin:13px 0 0}
.schedule-section{padding-top:48px;padding-bottom:65px}.schedule-heading{display:flex;justify-content:space-between;align-items:end;gap:25px;margin-bottom:18px}.schedule-heading h2{font-size:clamp(1.8rem,3vw,2.3rem);line-height:1.1;letter-spacing:-.04em;margin:8px 0 6px}.schedule-heading p{color:var(--muted);margin:0}.schedule-actions{display:flex;gap:10px;align-items:end;flex-wrap:wrap}.schedule-actions label{display:flex;flex-direction:column;gap:5px}.schedule-actions select,.quiet-button{height:42px;padding:0 12px;border:1px solid #b9c7cf;border-radius:7px;background:white;color:var(--navy);font-weight:700}.quiet-button:hover{background:#eaf0f3}.year-summary{display:flex;gap:20px;flex-wrap:wrap;background:#e9f0f3;padding:15px 19px;border:1px solid #d1e0e7;border-radius:10px 10px 0 0;color:#4a6173;font-size:.83rem}.year-summary strong{color:var(--navy)}.table-wrap{max-height:540px;overflow:auto;border:1px solid var(--line);border-top:0;background:white;border-radius:0 0 10px 10px}table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums;font-size:.85rem}th{position:sticky;top:0;background:var(--navy);color:white;text-align:right;z-index:1;font-size:.74rem;letter-spacing:.02em;padding:12px 13px;white-space:nowrap}th:first-child{text-align:left}td{text-align:right;padding:11px 13px;border-bottom:1px solid #e6ecef;white-space:nowrap}td:first-child{text-align:left;font-weight:700}tbody tr:nth-child(even){background:#f8fafb}.table-note{font-size:.76rem;color:#697986;margin:12px 0 0}
.next-section{background:var(--navy);color:white;padding:54px 0}.next-grid{display:grid;grid-template-columns:1fr minmax(260px,360px);gap:45px;align-items:center}.next-section .step-label{color:#d8ad78}.next-section h2{font-size:clamp(2rem,3.5vw,3rem);line-height:1.1;letter-spacing:-.05em;max-width:13ch;margin:10px 0 15px}.next-section p{color:#c1d0db;max-width:580px}.next-section .contact-prompt{color:white;font-size:1.08rem;margin:18px 0 10px}.contact-prompt strong{color:white}.contact-row{display:flex;gap:18px;flex-wrap:wrap}.contact-row a{font-weight:700;text-underline-offset:3px}.application-links{display:grid;gap:12px}.application-links a{display:flex;justify-content:space-between;gap:12px;align-items:center;min-height:56px;padding:14px 17px;border-radius:8px;font-size:.94rem;font-weight:800;text-decoration:none}.apply-button{background:#f2eee5;color:var(--navy)}.heloc-link{border:1px solid #aebfc9;color:white}.application-links a:hover{filter:brightness(1.1)}
footer{background:#0e1e30;color:#c4d0d9;padding:36px 0 42px;font-size:.8rem}.footer-grid{display:flex;justify-content:space-between;gap:25px}.footer-grid strong{color:white}.footer-grid p{margin:4px 0}.footer-grid a{color:white;text-underline-offset:3px}.nmls{display:flex;gap:18px;flex-wrap:wrap;margin-top:13px!important}.licensed-states{max-width:740px;margin-top:17px!important;line-height:1.7}.legal{border-top:1px solid #ffffff2a;margin-top:24px;padding-top:22px}.legal p{max-width:1000px;margin:0 0 10px}.legal a{color:white}.footer-brand{padding-top:22px;display:flex;align-items:flex-end;justify-content:space-between;gap:20px}.footer-brand img{display:block;height:auto}.footer-brand .west-capital-logo{width:250px;max-width:100%}.footer-brand .equal-housing-logo{width:32.5px;max-width:28%;mix-blend-mode:screen}@media(max-width:650px){.footer-brand .west-capital-logo{width:min(58vw,250px)}.footer-brand .equal-housing-logo{width:29px}}
@media(max-width:860px){.intro{align-items:start;flex-direction:column}.install-note{max-width:none;width:100%}.app-grid{grid-template-columns:1fr}.results-column{grid-template-columns:1fr 1fr}.schedule-heading{align-items:start;flex-direction:column}.next-grid{grid-template-columns:1fr}}
@media(max-width:650px){.shell,.top-inner{width:min(100% - 28px,1160px)}.top-inner{min-height:64px}.brand-mark{width:31px;height:31px;font-size:1.25rem}.brand{font-size:.95rem}.brand small{font-size:.51rem}.intro{padding:31px 0 22px;gap:23px}.intro-copy{font-size:.96rem}.app-grid{gap:16px}.input-panel{padding:20px}.results-column{grid-template-columns:1fr;gap:15px}.results-head{padding:22px 20px 15px}.payment-grid>div{padding:16px}.savings-line{padding:19px 20px}.savings-line strong{font-size:1.5rem}.metric-grid>div{padding:17px}.result-caveat{padding:15px 19px 20px}.payoff-card{padding:21px}.schedule-section{padding-top:40px;padding-bottom:48px}.year-summary{gap:8px 18px}.table-wrap{margin-right:-14px;width:calc(100% + 14px)}table{min-width:630px}.next-section{padding:43px 0}.footer-grid{flex-direction:column}.footer-right{align-self:flex-start}}
@media(max-width:380px){.fields.two{grid-template-columns:1fr}.top-contact{padding:7px 9px;font-size:.77rem}.payment-grid strong{font-size:1.4rem}.metric-grid{grid-template-columns:1fr}.metric-grid>div:first-child{border-right:0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
[hidden]{display:none!important}
.mode-nav{display:flex;gap:8px;margin-bottom:23px;padding:5px;background:#e9eff2;border:1px solid #d7e1e7;border-radius:11px;width:max-content;max-width:calc(100% - 36px)}.mode-nav button{border:0;background:transparent;color:#40566a;font-weight:800;padding:11px 20px;border-radius:7px;min-height:44px}.mode-nav button.active{background:var(--navy);color:white;box-shadow:0 4px 12px #14283d2a}
.purchase-intro{padding:4px 0 25px}.purchase-intro h2{font-size:clamp(1.85rem,3.2vw,2.7rem);letter-spacing:-.045em;line-height:1.1;margin:8px 0}.purchase-intro p{color:var(--muted);max-width:710px;margin:0}.purchase-layout{display:grid;grid-template-columns:minmax(0,.93fr) minmax(0,1.07fr);gap:24px;align-items:start;padding-bottom:65px}.program-fields{display:grid;gap:17px}.program-input{border:1px solid var(--line);border-radius:10px;padding:16px;background:#fbfcfc}.program-input h3{margin:0 0 12px;font-size:1.02rem}.field select{width:100%;height:45px;border:0;outline:0;background:transparent;color:var(--ink);font-weight:700}.field-help{font-size:.76rem;color:#667786;line-height:1.45;margin:9px 0 0}.purchase-results{background:white;border:1px solid var(--line);border-radius:16px;padding:27px;box-shadow:0 12px 35px #1830490c}.purchase-results .panel-head p{margin-bottom:20px}.purchase-cards{display:grid;gap:13px}.scenario-card{border:1px solid #d9e3e7;border-radius:11px;overflow:hidden;background:#fbfcfc}.scenario-card.highlight{border-color:#9db6c2}.scenario-head{display:flex;align-items:baseline;justify-content:space-between;gap:14px;padding:14px 17px;background:#e9f0f3}.scenario-head h3{font-size:1.1rem;margin:0}.scenario-head small{color:#5b7081;font-weight:700}.scenario-main{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:16px 17px 13px}.scenario-main span{font-size:.84rem;color:#566a7a;font-weight:700}.scenario-main strong{font-size:1.65rem;letter-spacing:-.05em;white-space:nowrap}.scenario-details{display:grid;grid-template-columns:1fr 1fr;gap:10px 15px;padding:0 17px 15px;font-size:.78rem}.scenario-details div{display:flex;justify-content:space-between;gap:7px;border-bottom:1px solid #e2e9ec;padding-bottom:5px}.scenario-details span{color:#61717d}.scenario-details strong{white-space:nowrap}.scenario-foot{padding:12px 17px;border-top:1px solid #dce5e9;background:white;font-size:.79rem;display:flex;justify-content:space-between;gap:10px}.scenario-foot span{color:#5e7181}.scenario-foot strong{font-size:.95rem;white-space:nowrap}.scenario-note{font-size:.73rem;color:#647887;margin:0;padding:0 17px 13px}.purchase-caveat{font-size:.78rem;color:#617585;line-height:1.5;margin:18px 0 11px}.purchase-sources{display:flex;gap:17px;flex-wrap:wrap;font-size:.78rem;font-weight:700;color:#4b687c}.purchase-sources a{text-underline-offset:3px}
@media(max-width:900px){.purchase-layout{grid-template-columns:1fr}.purchase-cards{grid-template-columns:repeat(3,minmax(0,1fr))}.scenario-main{display:block}.scenario-main strong{display:block;margin-top:3px}.scenario-details{grid-template-columns:1fr}.scenario-foot{display:block}.scenario-foot strong{display:block;margin-top:3px}}
@media(max-width:700px){.purchase-cards{grid-template-columns:1fr}.scenario-main{display:flex}.scenario-details{grid-template-columns:1fr 1fr}.scenario-foot{display:flex}.mode-nav{width:calc(100% - 28px);max-width:none}.mode-nav button{flex:1;padding:10px 7px;font-size:.85rem}.purchase-layout{gap:17px}.purchase-results{padding:20px}.purchase-intro{padding-bottom:18px}}
@media(max-width:400px){.scenario-details{grid-template-columns:1fr}.scenario-main strong{font-size:1.45rem}.scenario-foot{display:block}.scenario-foot strong{display:block}}

.debt-calculator{padding:24px 0 65px}.debt-intro{max-width:760px;margin-bottom:25px}.debt-intro h2{font-size:clamp(1.8rem,3vw,2.5rem);margin:8px 0 10px}.debt-intro p{color:#526477}.debt-layout{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(290px,.85fr);gap:22px;align-items:start}.debt-inputs,.debt-results{background:white;border:1px solid #dce4e8;border-radius:14px;padding:24px}.debt-inputs h3,.debt-results h3{font-size:1.2rem;margin:0 0 15px}.debt-inputs h3:not(:first-child){margin-top:28px}.debt-row{display:grid;grid-template-columns:repeat(3,minmax(0,1fr)) auto;gap:10px;align-items:end;margin:0 0 12px;padding-bottom:12px;border-bottom:1px solid #e5ebee}.debt-row label,.debt-fields label{display:flex;flex-direction:column;gap:5px;font-size:.85rem;font-weight:700;color:#40566a}.debt-row input,.debt-fields input{width:100%;min-width:0;height:44px;border:1px solid #aab7c3;border-radius:5px;padding:8px 9px;background:white;color:#14283d;font:inherit}.debt-row button,.debt-add{min-height:44px;border:1px solid #8295a5;border-radius:5px;padding:8px 11px;background:white;color:#14283d;font-weight:700}.debt-add{margin-top:4px}.debt-fields{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.debt-check{display:flex;align-items:center;gap:8px;margin-top:16px;font-size:.9rem}.debt-check input{width:18px;height:18px}.debt-main{display:grid;grid-template-columns:1fr auto;gap:13px;align-items:baseline;border-bottom:1px solid #dce4e8;padding-bottom:15px}.debt-main span{color:#526477}.debt-main strong{font-size:1.55rem;letter-spacing:-.04em}.debt-difference{font-size:1.35rem;font-weight:800;color:#8d6331;margin:17px 0}.debt-results dl{margin:0}.debt-results dl div{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-top:1px solid #e5ebee}.debt-results dt{color:#526477}.debt-results dd{font-weight:750;margin:0;text-align:right}.debt-results p:last-child,.debt-caveat{font-size:.9rem;line-height:1.6;color:#526477}.debt-caveat{max-width:940px;margin:20px 0 0}.debt-calculator input:focus-visible,.debt-calculator button:focus-visible{outline:3px solid #b47f3b;outline-offset:2px}@media(max-width:860px){.debt-layout{grid-template-columns:1fr}}@media(max-width:600px){.debt-inputs,.debt-results{padding:18px}.debt-row{grid-template-columns:1fr 1fr}.debt-row label:first-child{grid-column:1/-1}.debt-row button{width:max-content}.debt-fields{grid-template-columns:1fr}.debt-main strong{font-size:1.3rem}}

@media(max-width:700px){.mode-nav{flex-wrap:wrap}.mode-nav button{min-width:44%}}