:root{--ink:#17212b;--muted:#4f5b67;--line:#dde2e8;--bg:#f6f8fb;--card:#fff;--accent:#1a5a8a;--accent-d:#123f63;--brand:#0f3a5a;--tint:#edf5fb;--warn:#7a4f00;--warn-bg:#fff6e0;--err:#a4161a;--err-bg:#fdecec;--ok-bg:#eef6fb;--radius:12px;--shadow:0 1px 2px rgba(16,32,48,.06),0 4px 14px rgba(16,32,48,.06);--measure:70ch}
*{box-sizing:border-box}
html{font-size:100%;-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;font-size:1.0625rem;color:var(--ink);background:var(--bg);line-height:1.65}
a{color:var(--accent);text-underline-offset:.15em}a:hover{color:var(--accent-d)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #f0b429;outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:.5rem 1rem;z-index:50}.skip:focus{left:.5rem}
.vh{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.wrap{max-width:1120px;margin:0 auto;padding:0 1.25rem}

/* ---------- Header ---------- */
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30;box-shadow:0 1px 0 rgba(16,32,48,.03)}
.bar{display:flex;align-items:center;gap:1rem;min-height:68px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--brand);margin-right:auto;padding:.4rem 0;min-height:44px;min-width:0}
.logo .mark{flex:none}
.logo .brandtext{display:flex;flex-direction:column;gap:.1rem;min-width:0;justify-content:center}
.logo .wm{font-weight:800;font-size:1.2rem;letter-spacing:-.01em;line-height:1.1}
.logo .tagline{font-size:.72rem;color:var(--muted);font-weight:500;line-height:1.3;max-width:18rem}
nav.main{order:2}
.menubar{list-style:none;margin:0;padding:0;display:flex;gap:.25rem}
.has-menu{position:relative}
.menu-btn{font:inherit;font-size:.98rem;font-weight:600;background:none;border:0;color:var(--ink);padding:.55rem .8rem;border-radius:8px;cursor:pointer;min-height:44px;display:flex;align-items:center;gap:.4rem}
.menu-btn:hover,.menu-btn[aria-expanded=true]{background:var(--tint);color:var(--accent-d)}
.has-menu[data-current] > .menu-btn{color:var(--accent-d);box-shadow:inset 0 -3px 0 var(--accent)}
.chev{width:.5rem;height:.5rem;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .15s}
.menu-btn[aria-expanded=true] .chev{transform:rotate(-135deg) translateY(-1px)}
.menu{display:none;position:absolute;top:calc(100% + 6px);left:0;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 12px 32px rgba(16,32,48,.16);padding:.6rem;min-width:270px;z-index:40}
.menu.open{display:block}
.menu ul{list-style:none;margin:0;padding:0}
.menu a{display:block;padding:.5rem .7rem;border-radius:8px;text-decoration:none;color:var(--ink);font-size:.96rem;line-height:1.35}
.menu a:hover,.menu a:focus-visible{background:var(--tint);color:var(--accent-d)}
.menu a[aria-current=page]{font-weight:700;color:var(--accent-d);background:var(--tint)}
.bar{position:relative}.has-menu.mega-host{position:static}
.menu.mega{width:min(880px,calc(100vw - 2.5rem));left:auto;right:1.25rem;top:calc(100% - 4px);display:none;grid-template-columns:repeat(4,1fr);gap:.4rem 1rem;padding:1rem}
.menu.mega.open{display:grid}
.mh{margin:.1rem .7rem .2rem;font-size:.74rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.mcol{min-width:0}
.nav-toggle:hover{background:var(--tint)}
.nav-toggle{display:none;order:3;font:inherit;font-weight:600;align-items:center;gap:.45rem;background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:8px;padding:.5rem .8rem;min-height:44px;cursor:pointer}
.site-search{order:4;position:relative;display:flex;align-items:center;flex:0 1 260px}
.site-search input{font:inherit;font-size:.95rem;width:100%;min-height:44px;padding:.5rem 2.6rem .5rem .85rem;border:1px solid #b8c2cc;border-radius:999px;background:#f8fafc}
.site-search input:focus{background:#fff;border-color:var(--accent)}
.search-go{position:absolute;right:3px;top:50%;transform:translateY(-50%);background:none;border:0;color:var(--muted);min-height:40px;min-width:40px;padding:0;display:flex;align-items:center;justify-content:center;border-radius:999px}
.search-go:hover{color:var(--accent-d);background:var(--tint)}
.sr-pop{position:absolute;right:0;top:calc(100% + 6px);width:min(460px,calc(100vw - 2rem));background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 12px 32px rgba(16,32,48,.18);padding:.5rem;z-index:45;max-height:70vh;overflow:auto}
.sr-pop[hidden]{display:none}
.sr-status{margin:.2rem .5rem .4rem;font-size:.85rem;color:var(--muted)}
.sr-list{list-style:none;margin:0;padding:0}
.sr-list a,#search-results a{display:block;text-decoration:none;color:var(--ink);padding:.55rem .6rem;border-radius:8px}
.sr-list a:hover,.sr-list a:focus-visible{background:var(--tint)}
.sr-cat{display:block;font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--accent)}
.sr-title{display:block;font-weight:650;line-height:1.3}
.sr-snip{display:block;font-size:.86rem;color:var(--muted);line-height:1.45;margin-top:.15rem}
mark{background:#fff0b3;color:inherit;padding:0 .1em;border-radius:2px}
.sr-all{display:block;text-align:center;font-weight:600;padding:.5rem;border-top:1px solid var(--line);margin-top:.3rem;text-decoration:none}

/* ---------- Page ---------- */
main{padding:1.6rem 0 3rem}
.crumbs ol{list-style:none;margin:0 0 1rem;padding:0;display:flex;flex-wrap:wrap;gap:.2rem;font-size:.88rem;color:var(--muted)}
.crumbs li+li::before{content:"\203a";margin:0 .45rem 0 .25rem;color:#9aa5b1}
.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--accent);text-decoration:underline}
h1{font-size:clamp(1.75rem,1.2rem + 2.1vw,2.45rem);line-height:1.18;letter-spacing:-.015em;margin:.2rem 0 1rem;color:#0f2537;max-width:28ch}
h2{font-size:clamp(1.3rem,1.1rem + .7vw,1.55rem);line-height:1.25;letter-spacing:-.01em;margin:2.4rem 0 .7rem;color:#0f2537}
h3{font-size:1.15rem;line-height:1.3;margin:1.6rem 0 .45rem}
h4{font-size:1rem}
main p,main li,.lede,main dd{max-width:var(--measure)}
main .tablewrap p,main .tablewrap li,main td p,main td li,.grid p,.grid li{max-width:none}
.lede{font-size:1.15rem;color:var(--muted);line-height:1.6}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.1rem 1.3rem;margin:1rem 0;box-shadow:var(--shadow)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1rem}
.grid .card{margin:0}
.card h3{margin-top:.15rem}
.note{background:var(--warn-bg);border-left:4px solid #e0a100;padding:.8rem 1.1rem;border-radius:8px;margin:1rem 0;max-width:none}
.callout{background:var(--ok-bg);border-left:4px solid var(--accent);padding:.8rem 1.1rem;border-radius:8px;margin:1rem 0}
.src{display:block;font-size:.84rem;color:var(--muted);font-style:normal;margin:.3rem 0 .9rem;line-height:1.5}
.illus-tag{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--warn);background:var(--warn-bg);border-radius:4px;padding:.1rem .45rem;margin:0 0 .4rem}
table{border-collapse:collapse;width:100%;background:#fff;margin:.6rem 0;font-size:.95rem;line-height:1.5}
caption{text-align:left;font-weight:600;padding:.3rem 0;color:var(--muted);font-size:.9rem}
th,td{border:1px solid var(--line);padding:.55rem .7rem;text-align:left;vertical-align:top}
thead th{background:#eef2f6;font-size:.9rem}
tbody th{background:#f7f9fb}
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:8px;margin:.6rem 0}
.tablewrap table{margin:0}
form.calc{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:1rem 1.3rem;padding:1.3rem}
.field{display:flex;flex-direction:column;min-width:0}
.field label{font-weight:650;font-size:.96rem}
.field .hint{font-size:.84rem;color:var(--muted);margin:.1rem 0 .35rem;line-height:1.45}
.field input,.field select{font:inherit;font-size:1rem;padding:.55rem .7rem;border:1px solid #9aa5b1;border-radius:8px;background:#fff;min-height:46px;width:100%}
.field input:focus,.field select:focus{border-color:var(--accent)}
.field input[aria-invalid=true]{border-color:var(--err);background:var(--err-bg)}
.field .err{color:var(--err);font-size:.86rem;min-height:0}
.field.check{flex-direction:row;align-items:center;gap:.5rem}
.field.check input{width:22px;height:22px;min-height:0}
.field.wide{grid-column:1/-1}
.actions{grid-column:1/-1;display:flex;gap:.8rem;flex-wrap:wrap}
button{font:inherit;padding:.6rem 1.3rem;border-radius:8px;border:1px solid var(--accent);background:var(--accent);color:#fff;cursor:pointer;min-height:46px;font-weight:600}
button:hover{background:var(--accent-d)}
button.secondary{background:#fff;color:var(--accent)}button.secondary:hover{background:var(--tint)}
header.site button.menu-btn,header.site .search-go,header.site .nav-toggle{font-weight:600}
header.site .search-go:hover{background:var(--tint)}
.errsummary{grid-column:1/-1;background:var(--err-bg);border:1px solid var(--err);border-radius:8px;padding:.6rem 1rem;color:var(--err)}
.errsummary:empty{display:none}
.results{margin-top:1.2rem}
.results[hidden]{display:none}
.results table td.num,.results table th.num{text-align:right;font-variant-numeric:tabular-nums}
.results .total td{font-weight:700;background:#f3f7fa}
.illus{font-weight:700;color:var(--warn)}
.cond[hidden],fieldset.ccgroup[hidden]{display:none}
.badge{font-size:.75rem;background:#e5e7eb;border-radius:4px;padding:0 .35rem;margin-left:.3rem;color:#374151;font-weight:600}

/* DTI help */
.fieldhelp{grid-column:1/-1;border:1px solid var(--line);background:#fbfcfd;border-radius:10px;padding:.8rem 1rem;margin-top:.5rem}
.fieldhelp .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:.4rem 1.5rem}
.fieldhelp .fh{font-size:.98rem;font-weight:700;margin:.3rem 0 .2rem}
.fieldhelp ul{margin:.2rem 0 .4rem;padding-left:1.15rem;font-size:.92rem}
.fieldhelp .yes .fh{color:#1b6b3a}.fieldhelp .no .fh{color:var(--err)}
.fieldhelp p{font-size:.92rem;margin:.4rem 0}

/* Related + home */
.related{margin-top:3rem;border-top:1px solid var(--line);padding-top:1rem}
.related h2{margin-top:.5rem;font-size:1.15rem}
.related ul{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:.7rem}
.related li{max-width:none}
.related a{display:block;height:100%;background:#fff;border:1px solid var(--line);border-radius:10px;padding:.7rem .9rem;text-decoration:none;font-weight:600;color:var(--ink);box-shadow:var(--shadow)}
.related a:hover{border-color:var(--accent);color:var(--accent-d)}
.rel-cat,.eyebrow{display:block;font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--accent);margin-bottom:.15rem}
.hero{background:linear-gradient(135deg,#0f3a5a 0%,#1a5a8a 100%);color:#fff;border-radius:18px;padding:2.2rem 2rem;margin:.4rem 0 1.6rem;box-shadow:var(--shadow)}
.hero h1{color:#fff;max-width:24ch}
.hero-tagline{margin:0 0 .7rem;font-size:.98rem;font-weight:600;letter-spacing:.01em;color:#f0d9a0;max-width:none}
.hero .lede{color:#dbe9f5}
.hero a{color:#fff}
.hero-search{display:flex;gap:.5rem;max-width:560px;margin-top:1.2rem;flex-wrap:wrap}
.hero-search input{flex:1 1 240px;font:inherit;min-height:48px;padding:.6rem 1rem;border-radius:10px;border:0}
.hero-search button{background:#f0b429;border-color:#f0b429;color:#17212b;min-height:48px}
.hero-search button:hover{background:#ffc94d}
.catgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1rem}
.catcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.1rem 1.3rem 1rem;box-shadow:var(--shadow);border-top:4px solid var(--accent)}
.catcard h3{margin:.1rem 0 .3rem;font-size:1.15rem}
.catcard p{color:var(--muted);font-size:.95rem;margin:.2rem 0 .6rem}
.catcard ul{list-style:none;padding:0;margin:0}
.catcard li{border-top:1px solid #eef1f4}
.catcard li a{display:block;padding:.45rem 0;text-decoration:none;font-weight:600}
.catcard li a::after{content:" \203a";color:#9aa5b1}
.calcgrid .card h3 a{text-decoration:none}
.calcgrid .card{border-top:4px solid #2f8f6a}
#search-results{list-style:none;padding:0;margin:1rem 0}
#search-results li{border-bottom:1px solid var(--line);max-width:none}
#search-results a:hover{background:var(--tint)}
.search-page-form{display:flex;gap:.6rem;flex-wrap:wrap;max-width:640px}
.search-page-form .field{flex:1 1 260px}
.checklist li{margin:.25rem 0}
.steps{counter-reset:s;list-style:none;padding:0}
.steps>li{counter-increment:s;position:relative;padding-left:2.4rem;margin:.7rem 0}
.steps>li::before{content:counter(s);position:absolute;left:0;top:.05rem;width:1.7rem;height:1.7rem;border-radius:50%;background:var(--accent);color:#fff;font-weight:700;font-size:.9rem;display:flex;align-items:center;justify-content:center}

/* ---------- Footer ---------- */
footer.site{background:#0f2537;color:#e7ebef;padding:2rem 0;font-size:.92rem}
footer.site a{color:#cfe3f3}
footer.site .site-id{margin:0 0 .9rem;font-weight:650;letter-spacing:.01em;color:#fff}
footer.site .disclaimer{max-width:62rem}
footer.site nav ul{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.3rem 1.2rem;margin:.8rem 0 0}
footer.site nav a{display:inline-block;padding:.3rem 0}

/* ---------- Responsive ---------- */
@media (max-width:900px){
 .bar{gap:.6rem;padding:.4rem 0}
 .nav-toggle{display:flex}
 .site-search{order:5;flex:1 1 100%;margin-bottom:.5rem}
 nav.main{order:6;flex:1 1 100%;display:none;border-top:1px solid var(--line);padding:.4rem 0 .8rem;max-height:calc(100vh - 140px);overflow:auto}
 nav.main.open{display:block}
 .menubar{flex-direction:column;gap:0}
 .menu-btn{width:100%;justify-content:space-between;padding:.75rem .4rem;border-radius:0;border-bottom:1px solid #eef1f4;font-size:1.02rem}
 .has-menu[data-current] > .menu-btn{box-shadow:inset 3px 0 0 var(--accent)}
 .menu,.menu.mega{position:static;box-shadow:none;border:0;padding:.3rem 0 .6rem .5rem;min-width:0;width:auto;right:auto}
 .menu.mega.open{grid-template-columns:1fr 1fr;gap:.2rem .6rem}
 .menu a{padding:.6rem .5rem;min-height:44px}
 body.nav-open{overflow:hidden}
 header.site{position:sticky}
}
@media (max-width:600px){
 body{font-size:1rem}
 .wrap{padding:0 1rem}
 .logo .tagline{display:none}
 .logo .wm{font-size:1.1rem}
 .menu.mega.open{grid-template-columns:1fr}
 th,td{padding:.45rem .5rem}
 table{font-size:.9rem}
 form.calc{grid-template-columns:1fr;padding:1rem}
 .hero{padding:1.5rem 1.2rem;border-radius:14px}
 .catgrid{grid-template-columns:1fr}
 .actions button{flex:1 1 auto}
 .sr-pop{width:calc(100vw - 2rem);right:0}
 h2{margin-top:2rem}
}
@media print{nav.main,.actions,.skip,.site-search,.nav-toggle,.related{display:none}header.site{position:static}}
#mi-table{min-width:640px}
.zipbox{grid-column:1/-1;border:1px dashed #9aa5b1;border-radius:8px;padding:.8rem 1rem;background:#fafbfc}
.zipbox h3{margin:.1rem 0 .4rem;font-size:1.05rem}
.ziprow{display:flex;gap:.6rem;align-items:flex-end;flex-wrap:wrap}
.ziprow .field{flex:0 1 200px}
.ziprow .field.county{flex:1 1 320px}
#zip-status{margin:.5rem 0 0}
.est-block{border-top:1px solid var(--line);padding-top:.5rem;margin-top:.6rem}
.est-block h4{margin:.2rem 0 .3rem;font-size:1rem}
.small{font-size:.88rem;color:var(--muted)}
.est-state{color:#1b6b3a;font-weight:600}
#est-panel h3{margin:.8rem 0 0}
.exempt[hidden]{display:none}

fieldset.ccgroup{grid-column:1/-1;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:.9rem 1.2rem;border:1px solid var(--line);border-radius:8px;padding:.6rem 1rem .8rem;margin:0;min-width:0}
fieldset.ccgroup>p{grid-column:1/-1;margin:0}
fieldset.ccgroup legend{font-weight:700;padding:0 .3rem}
#pmms .pmms-rates{display:flex;flex-wrap:wrap;gap:1rem 2.5rem;margin:.6rem 0}
#pmms .pmms-rates div{min-width:12rem}
#pmms dt{font-size:.9rem;color:#374151}
#pmms dd{margin:0;font-size:1.6rem;font-weight:700}
.hero-hint{color:#dbe9f5;font-size:.92rem;margin:.6rem 0 0}

/* ---------- Glossary ---------- */
:root{--hdr-h:69px;--bar-h:54px}
@media (max-width:900px){:root{--hdr-h:124px}}
a.gl{text-decoration-style:dotted;text-decoration-thickness:1px;text-underline-offset:.2em}
a.gl:hover{text-decoration-style:solid}
.gl-tools{max-width:34rem;margin:1.2rem 0 .4rem}
.gl-tools label{display:block;font-weight:650;font-size:.96rem;margin-bottom:.3rem}
.gl-qrow{display:flex;gap:.5rem}
.gl-qrow input{flex:1 1 auto;min-width:0;font:inherit;font-size:1rem;min-height:46px;padding:.55rem .85rem;border:1px solid #9aa5b1;border-radius:10px;background:#fff}
.gl-qrow input:focus{border-color:var(--accent)}
.gl-qrow button{flex:none}
.gl-count{margin:.35rem 0 0;font-size:.88rem;color:var(--muted)}
.gl-az{position:sticky;top:var(--hdr-h);z-index:20;background:rgba(246,248,251,.96);-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);border-bottom:1px solid var(--line);margin:0 -1.25rem 1rem;padding:.4rem 1.25rem}
.gl-az ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.2rem}
.gl-az li{max-width:none}
.gl-az a,.gl-az span{display:flex;align-items:center;justify-content:center;min-width:2.1rem;height:2.25rem;border-radius:8px;font-weight:700;font-size:.95rem;text-decoration:none;line-height:1}
.gl-az a{color:var(--accent-d);background:#fff;border:1px solid var(--line)}
.gl-az a:hover{border-color:var(--accent);background:var(--tint)}
.gl-az a.az-cur{background:var(--accent);border-color:var(--accent);color:#fff}
.gl-az .az-off,.gl-az a.az-dim{color:#a9b3bd;background:transparent;border:1px dashed #d5dbe1;cursor:default;pointer-events:none}
.gl-none{background:var(--warn-bg);border-left:4px solid #e0a100;border-radius:8px;padding:.7rem 1.1rem;margin:1rem 0}
.gl-none p{margin:0}
.gl-letter{margin:0 0 1.2rem}
.gl-letter[hidden],.gl-term[hidden],.gl-none[hidden],.gl-tools[hidden]{display:none}
.gl-lh{font-size:1.6rem;margin:1.6rem 0 .6rem;color:var(--accent);border-bottom:2px solid var(--line);padding-bottom:.2rem;max-width:var(--measure)}
.gl-lh:focus{outline:none}
.gl-letter,.gl-term h3{scroll-margin-top:calc(var(--hdr-h) + var(--bar-h) + 12px)}
.gl-term{background:#fff;border:1px solid var(--line);border-radius:10px;padding:.85rem 1.1rem .4rem;margin:0 0 .75rem;max-width:calc(var(--measure) + 2.2rem);box-shadow:0 1px 2px rgba(16,32,48,.04)}
.gl-term h3{margin:0 0 .25rem;font-size:1.08rem;color:#0f2537}
.gl-term p{margin:.2rem 0 .45rem}
.gl-term .gl-more{font-size:.9rem;color:var(--muted)}
.gl-term .src{margin:.2rem 0 .45rem}
.gl-term:has(h3:target){border-color:var(--accent);box-shadow:0 0 0 3px rgba(26,90,138,.18)}
.gl-see{background:transparent;box-shadow:none;border-style:dashed;padding:.6rem 1.1rem .3rem}
.gl-see h3{font-size:1rem}
.glcard{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.8rem 1.5rem;margin:1rem 0 0;background:#fff;border:1px solid var(--line);border-left:4px solid #f0b429;border-radius:var(--radius);padding:1rem 1.3rem;box-shadow:var(--shadow)}
.glcard h3{margin:.1rem 0 .25rem;font-size:1.15rem}
.glcard h3 a{text-decoration:none}
.glcard p{margin:.1rem 0;color:var(--muted);font-size:.95rem}
.glcard .eyebrow{color:#9a6b00}
.glchips{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.4rem}
.glchips li{max-width:none}
.glchips a{display:inline-flex;align-items:center;min-height:36px;padding:.25rem .8rem;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-weight:600;font-size:.92rem;background:var(--bg)}
.glchips a:hover{border-color:var(--accent);background:var(--tint)}
.glchips a.glall{background:var(--accent);border-color:var(--accent);color:#fff}
@media (max-width:600px){
 .gl-az{margin:0 -1rem 1rem;padding:.4rem 1rem}
 .gl-az ul{flex-wrap:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none;scroll-padding:0 1rem}
 .gl-az ul::-webkit-scrollbar{display:none}
 .gl-az a,.gl-az span{min-width:2.4rem;height:2.4rem;flex:none}
 .gl-term{padding:.75rem .9rem .35rem}
}
@media print{.gl-az,.gl-tools{display:none}}
.gl-qrow input::-webkit-search-cancel-button{-webkit-appearance:none;appearance:none}

/* ---------- Nov 10 batch: amortization, extra payments, documents checklist, stages ---------- */
.legend{display:flex;flex-wrap:wrap;align-items:center;gap:.35rem 1rem;font-size:.92rem;color:var(--muted);margin:.3rem 0}
.sw{display:inline-block;width:.9rem;height:.9rem;border-radius:3px;vertical-align:-2px;margin-right:.35rem}
.sw-p{background:#1a5a8a}.sw-i{background:#e29a2d}
.chartbox{width:100%;height:260px;background:#fff;border:1px solid var(--line);border-radius:8px;margin:.4rem 0 1rem}
.chartbox svg{display:block;width:100%;height:100%}
.seg{display:inline-flex;border:1px solid var(--accent);border-radius:999px;overflow:hidden;margin:.2rem 0 .6rem}
.seg button{font:inherit;font-size:.95rem;font-weight:600;background:#fff;color:var(--accent-d);border:0;padding:.5rem 1rem;min-height:44px;cursor:pointer}
.seg button+button{border-left:1px solid var(--accent)}
.seg button[aria-pressed=true]{background:var(--accent);color:#fff}
.schedwrap{max-height:28rem;overflow:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:8px;background:#fff}
.schedwrap table.sched{margin:0;width:100%;border-collapse:separate;border-spacing:0;font-size:.95rem}
.sched th,.sched td{padding:.4rem .6rem;border-bottom:1px solid var(--line);text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.sched th:first-child,.sched td:first-child{text-align:left}
.sched thead th{position:sticky;top:0;background:#eef3f8;z-index:1}
.savings{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem;margin:1rem 0}
.savings>div{background:var(--ok-bg);border:1px solid #cfe3f1;border-radius:10px;padding:.75rem .9rem}
.savings .k{display:block;font-size:.85rem;color:var(--muted);font-weight:600}
.savings .v{display:block;font-size:1.3rem;font-weight:800;color:var(--accent-d);line-height:1.3}
.ccgroup .cond{margin:.2rem 0 .8rem 1.9rem;padding-left:.9rem;border-left:3px solid var(--tint)}
/* checklist */
.ck-tools{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.6rem 1rem;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:.7rem 1rem;margin:.6rem 0 1rem}
.ck-tools[hidden]{display:none}
.ck-status{margin:0;font-weight:600}
.ck-btns{display:flex;flex-wrap:wrap;gap:.5rem}
.ck-group{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:.9rem 1.1rem;margin:0 0 1rem;box-shadow:var(--shadow)}
.ck-group h3{margin:.1rem 0 .3rem}
.ck-count{font-size:.85rem;font-weight:600;color:var(--muted);margin-left:.4rem;white-space:nowrap}
.ck-intro{color:var(--muted);margin:.2rem 0 .6rem}
.ck-list{list-style:none;margin:0;padding:0}
.ck-item{display:flex;gap:.75rem;align-items:flex-start;padding:.7rem 0;border-top:1px solid var(--line)}
.ck-item input{flex:none;width:24px;height:24px;margin:.15rem 0 0;accent-color:var(--accent)}
.ck-body{min-width:0;flex:1}
.ck-body label{font-weight:700;cursor:pointer}
.ck-item input:checked+.ck-body label{color:var(--muted);text-decoration:line-through;text-decoration-color:rgba(79,91,103,.5)}
.ck-why{margin:.2rem 0 0;font-size:.97rem}
.ck-whyh{font-weight:600;color:var(--muted)}
.se-key{background:var(--warn-bg);border-left:5px solid #e29a2d;border-radius:10px;padding:1rem 1.2rem;margin:.8rem 0 1.2rem}
.se-big{font-size:1.15rem;font-weight:600;margin:0 0 .4rem;max-width:none}
.vgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;margin:1rem 0}
.vgrid .vcard{margin:0}
.vwhen{display:inline-block;background:var(--tint);border-radius:999px;padding:.15rem .7rem;font-size:.9rem;font-weight:600;margin:.1rem 0 .5rem}
.vcard ul{padding-left:1.1rem}.vcard li{margin:.35rem 0}
.ck-group,.vcard,.se-example,#self-employed-income,#verifications,#doc-age,#checklist,.tl-step,#how-applied,#prepayment-penalties,#recast,#why-interest{scroll-margin-top:calc(var(--hdr-h) + 12px)}
/* stages timeline */
.tl-overview{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:.7rem 1.1rem;margin:1rem 0}
.tl-overview ol{margin:0;padding-left:1.4rem;columns:2;column-gap:2rem}
.tl-overview li{margin:.2rem 0;break-inside:avoid}
.timeline{list-style:none;margin:1.5rem 0;padding:0;position:relative}
.timeline::before{content:"";position:absolute;left:19px;top:8px;bottom:8px;width:3px;background:linear-gradient(var(--accent),#7cc4f0);border-radius:2px}
.tl-step{position:relative;padding-left:58px;margin:0 0 1.25rem}
.tl-marker{position:absolute;left:0;top:.9rem;width:41px;height:41px;border-radius:50%;background:var(--accent);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;box-shadow:0 0 0 4px var(--bg)}
.tl-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1rem 1.2rem;box-shadow:var(--shadow)}
.tl-card h2{margin:.1rem 0 .2rem;font-size:1.3rem}
.tl-when{display:inline-block;background:var(--tint);color:var(--accent-d);border-radius:999px;padding:.15rem .75rem;font-size:.9rem;font-weight:600;margin:0 0 .5rem}
.tl-h{font-size:.8rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--muted);margin:.6rem 0 .15rem}
.tl-part ul{margin:.2rem 0;padding-left:1.1rem}.tl-part li{margin:.25rem 0}
.tl-cols{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 1.5rem}
.tl-ver{margin:.8rem 0 0;padding-top:.7rem;border-top:1px dashed var(--line);display:flex;flex-wrap:wrap;gap:.4rem;align-items:center}
.tl-verh{font-weight:600;font-size:.92rem;color:var(--muted);margin-right:.2rem}
.vchip{display:inline-flex;align-items:center;min-height:40px;padding:.3rem .8rem;border-radius:999px;background:var(--tint);border:1px solid #cfe3f1;font-size:.92rem;font-weight:600;text-decoration:none}
.vchip:hover{background:#dcecf8}
@media (max-width:700px){
 .savings{grid-template-columns:1fr}
 .vgrid,.tl-cols{grid-template-columns:1fr}
 .tl-overview ol{columns:1}
 .timeline::before{left:15px}
 .tl-step{padding-left:44px}
 .tl-marker{width:33px;height:33px;top:.95rem;font-size:.95rem}
 .tl-card{padding:.9rem 1rem}
 .chartbox{height:220px}
 .schedwrap{max-height:24rem}
 .sched th,.sched td{padding:.35rem .4rem;font-size:.88rem}
 .ccgroup .cond{margin-left:.4rem}
}
@media print{
 .ck-tools,.ck-btns,noscript,.crumbs,.seg,#am-form,#ex-form,.tl-overview{display:none!important}
 .ck-group,.vcard,.tl-card{box-shadow:none;break-inside:avoid}
 .ck-item{break-inside:avoid}
 .ck-item input{-webkit-print-color-adjust:exact;print-color-adjust:exact}
 .schedwrap{max-height:none;overflow:visible}
 cite.src{font-size:.75rem}
}
.narrow-only{display:none}
@media (max-width:560px){
 .narrow-only{display:block}
 .sched th:nth-child(2),.sched td:nth-child(2){display:none}
 .sched th,.sched td{padding:.35rem .3rem;font-size:.84rem}
}
@media print{.narrow-only{display:none!important}.sched th:nth-child(2),.sched td:nth-child(2){display:table-cell!important}}
main li.tl-step{max-width:920px}
main li.ck-item{max-width:none}
.tl-card p,.tl-card li{max-width:none}
/* SEO pass: reserve the space of tools that the scripts reveal, so nothing shifts (CLS). Without JavaScript they stay hidden. */
.js .gl-tools[hidden]{display:block;visibility:hidden}
.js .ck-tools[hidden]{display:flex;visibility:hidden}
.ck-status{min-height:1.65em}
.calc + h2,h2[id$="-tool"]{margin-top:1.4rem}