.repayment-layout{grid-template-columns:1fr;margin-bottom:55px}.repayment-layout .calc{max-width:100%}.repayment-layout .fields{grid-template-columns:repeat(4,minmax(0,1fr))}.repayment-layout .result{display:block;max-width:480px}.upfront-tool{border:1px solid #cdd8e0;border-top:4px solid var(--gold);background:#fff;padding:38px;border-radius:4px}.upfront-heading{display:flex;justify-content:space-between;gap:25px;align-items:start}.upfront-heading h2{font-size:34px;max-width:780px;margin:12px 0 0;letter-spacing:-1px}.rate-badge{background:#e5edf2;color:#193d53;padding:8px 12px;font-size:12px;font-weight:600;white-space:nowrap;border:1px solid #cdd9e0}.upfront-layout{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:35px;margin-top:35px;align-items:start}.upfront-layout form{min-width:0}.step-label{font-size:18px;margin:0 0 22px;display:flex;gap:12px;align-items:center}.step-label span{display:inline-grid;place-items:center;background:#17374b;color:#fff;width:30px;height:30px;border-radius:50%;font-size:13px;flex-shrink:0}#upfront-form .fields{gap:15px}#upfront-form label{font-size:12px;line-height:1.6}#upfront-form small{display:block;font-size:10px;line-height:1.7;color:#677987;margin:1px 0 10px}#upfront-form .up-check{display:flex;align-items:flex-start;gap:8px;font-size:12px;margin:16px 0;line-height:1.7}#upfront-form .up-check input{flex:0 0 18px;margin:2px 0 0}.eligibility-box{background:#eff3f5;padding:16px;margin-top:15px;border-left:2px solid #8ea4b2;font-size:12px;color:#455d6d}.eligibility-box p{margin:0 0 10px}.eligibility-box .note{margin-bottom:0}.up-details{border:1px solid #d7e0e6;border-radius:4px;margin:18px 0;background:#fff}.up-details summary{cursor:pointer;padding:17px 16px;font-size:13px;font-weight:600;list-style:none;display:flex;gap:14px;align-items:center}.up-details summary::before{content:'+';font-size:18px;color:#9d7625;font-weight:400}.up-details[open]>summary::before{content:'−'}.up-details summary b{font-size:11px;white-space:nowrap;margin-left:auto;color:#3a5668}.up-details>.fields,.up-details>label,.up-details>p,.up-details>#up-discharge-field,.up-details>#up-other-rows{margin-left:16px;margin-right:16px}.up-details>.fields{padding-bottom:10px}.up-details>.note{padding-bottom:10px}.up-details label small{margin-bottom:16px}.up-details>.up-check{margin:16px!important}.up-details .duty-line{font-size:12px;display:flex;justify-content:space-between;border-bottom:1px solid #e0e7ec;padding-bottom:14px;gap:15px}.upfront-layout .step-label:not(:first-child){margin-top:30px}.upfront-summary{background:#eaf0f3;padding:26px;border:1px solid #cedae2;position:sticky;top:20px;border-radius:4px}.upfront-summary>.button{width:100%;font-size:12px;margin:18px 0 10px}.upfront-summary .note{font-size:10px;color:#5b707e}.scheme-badge{display:inline-block;font-size:10px;color:#536a7a;background:#dce6ec;border:1px solid #c6d4de;padding:5px 8px;margin-bottom:20px}.up-total span,.up-deposit span{display:block;font-size:12px;font-weight:600}.up-total strong{font-size:clamp(25px,2.3vw,38px);display:block;letter-spacing:-1px;margin:5px 0;color:#15384f;overflow-wrap:anywhere;line-height:1.3}.up-total small,.up-deposit small{display:block;font-size:10px;color:#627684;margin-top:8px}.budget-lines{font-size:11px;margin:24px 0}.budget-lines>div{display:flex;justify-content:space-between;gap:15px;padding:8px 0;border-bottom:1px solid #cedbe3}.budget-lines dt{min-width:0}.budget-lines dd{margin:0;font-weight:600;text-align:right;white-space:nowrap}.up-deposit{border-top:2px solid #ccaa50;padding-top:20px}.up-deposit strong{display:block;font-size:29px;font-weight:600;line-height:1.4;margin-top:5px;letter-spacing:-1px;overflow-wrap:anywhere}.savings-bar{height:8px;background:#18394e;margin-top:18px;border-radius:4px;overflow:hidden}.savings-bar span{display:block;height:100%;background:#cda12f;transition:width .3s}.other-row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.8fr) 35px;gap:8px;align-items:center}.remove-cost{min-height:35px;height:35px;padding:3px 10px;font-size:19px;background:#edf2f5;color:#304d60}.add-cost{margin:0 16px 18px;min-height:38px;font-size:12px;padding:8px 13px}button:disabled{cursor:default;opacity:.5}.up-details #up-discharge-field[hidden]{display:none}html[lang=zh-CN] .upfront-heading h2{font-size:30px}.upfront-summary .notice{font-size:11px;margin:14px 0}.upfront-summary dd{font-variant-numeric:tabular-nums}
@media(max-width:1100px){.upfront-tool{padding:28px}.upfront-layout{gap:24px}.upfront-summary{padding:22px}.upfront-heading h2{font-size:30px}.repayment-layout .fields{grid-template-columns:repeat(2,minmax(0,1fr))}.up-total strong{font-size:30px}}@media(max-width:850px){.upfront-layout{grid-template-columns:1fr}.upfront-summary{position:static}.upfront-summary .up-total strong{font-size:37px}.up-deposit strong{font-size:32px}}@media(max-width:560px){.upfront-tool{padding:24px 20px}.upfront-heading{display:block}.upfront-heading h2{font-size:28px;line-height:1.2;margin-bottom:18px}.rate-badge{display:inline-block;padding:5px 9px;font-size:10px}.upfront-tool .lead{font-size:13px}.upfront-layout{margin-top:28px}.upfront-layout .fields{grid-template-columns:1fr}.upfront-summary{padding:22px 18px}.up-details summary{padding:14px 12px;font-size:12px}.up-details summary b{font-size:10px}.up-details>.fields,.up-details>label,.up-details>p,.up-details>#up-discharge-field,.up-details>#up-other-rows{margin-left:12px;margin-right:12px}.upfront-summary .up-total strong{font-size:31px}.up-deposit strong{font-size:27px}.budget-lines{font-size:11px}.other-row{grid-template-columns:minmax(0,1fr) 35px}.other-row>label:first-child{grid-column:1/-1}.repayment-layout .fields{grid-template-columns:1fr}.step-label{font-size:17px}html[lang=zh-CN] .upfront-heading h2{font-size:27px}.upfront-tool label input,.upfront-tool label select{font-size:16px}}

/* Free service promise and independent, responsive calculator pages. */
.service-promise{display:flex;align-items:center;justify-content:center;gap:20px;padding:12px 6%;background:#f2ebd8;border-bottom:1px solid #e3d7b4;color:#294451;font-size:12px;line-height:1.6}.service-promise strong{font-weight:600;color:#162f40}.service-promise span{color:#536571}.fee-explanation{font-size:13px;line-height:1.85;color:#526b7a;max-width:880px;margin:28px 0}.about-intro .fee-explanation{font-size:14px;margin-top:22px}.process-heading{margin-top:85px}.process-heading h2{max-width:860px}.steps{grid-template-columns:repeat(5,minmax(0,1fr));gap:24px}.steps article:last-child{border-top:3px solid #b58a29;background:#edf2f5;padding:21px 16px}.steps h3{font-size:18px}.steps p{font-size:12px}.calculator-page{padding-top:38px}.calculator-tabs{display:flex;position:static;flex-direction:row;flex-wrap:wrap;justify-content:flex-start;align-items:stretch;gap:0;border:1px solid #cdd9e1;border-radius:4px;order:initial;margin:0 0 42px;padding:0;font-size:13px;width:fit-content;max-width:100%;background:#fff}.calculator-tabs a{white-space:normal;min-width:0;padding:14px 24px;margin:0;border:0;color:#466071;display:flex;align-items:center;transition:background .2s}.calculator-tabs a[aria-current=page]:not(.nav-cta){background:#17374c;color:white;box-shadow:none}.calculator-tabs a:hover{background:#e9eff3;color:#193c52}.calculator-cards{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin:45px 0}.calculator-card{display:flex;flex-direction:column;min-height:310px;padding:38px;background:#fff;border:1px solid #cdd9e1;border-top:4px solid #bb922c;border-radius:4px;transition:transform .25s,box-shadow .25s,border-color .25s}.calculator-card:hover,.calculator-card:focus-visible{transform:translateY(-6px);box-shadow:0 20px 38px #142d4015;border-color:#bb922c}.calculator-card h2{font-size:32px;line-height:1.2;margin:25px 0 16px;max-width:480px}.calculator-card p{font-size:14px;color:#637a88;margin:0 0 30px}.calculator-card-link{margin-top:auto;border-top:1px solid #d8e1e6;padding-top:18px;font-size:13px;font-weight:600;color:#89661d}.calculator-faq{display:grid;grid-template-columns:.7fr 1.3fr;gap:65px;border-top:1px solid #cfdbe3;margin:65px 0 30px;padding-top:45px}.calculator-faq h2{font-size:36px;line-height:1.15}.calculator-faq>div>p{font-size:13px;color:#627988;max-width:300px}.calculator-faq .faq-item{border:0;border-bottom:1px solid #d3dfe6;border-radius:0;background:transparent;margin:0}.calculator-faq .faq-item summary{padding:22px 42px 22px 15px;font-size:14px}.calculator-faq .faq-item summary::after{top:20px}.calculator-faq .faq-item p{padding-left:15px;margin:20px 0;font-size:13px}.calculator-faq .faq-item[open] summary{border:0;color:#89661d}.calculator-page>.faq-sources{margin-bottom:35px}.repayment-layout{margin-bottom:35px}.calculator-page .fee-explanation{border-left:3px solid #c29b3b;padding-left:20px;margin-top:40px}.fee-quote-details{margin:0 16px 20px;border-top:1px solid #dae3e8}.fee-quote-details>summary{font-size:11px;font-weight:400;padding:12px 0;cursor:pointer}.fee-quote-details>.fields{margin:0!important;padding:0!important}#upfront-form input[readonly]{background:#ecf2f5;border-color:#b9cbd7;font-weight:600;color:#173b51;cursor:default;font-size:17px}.budget-diagram{border-top:1px solid #cfdce4;padding-top:37px;margin-top:40px;text-align:center}.budget-diagram:empty{display:none}.budget-diagram h3{font-size:23px;line-height:1.5;font-weight:400;margin:14px 0 30px}.budget-diagram h3 strong{font-weight:600}.budget-equation{display:grid;grid-template-columns:minmax(0,1fr) 40px minmax(0,1fr) 40px minmax(0,1fr);align-items:center;gap:20px;max-width:900px;margin:0 auto 27px}.budget-circle{border:4px solid #ccd7df;border-radius:50%;aspect-ratio:1;display:flex;flex-direction:column;align-items:center;justify-content:center;position:relative;background:#fff;box-shadow:0 24px 22px -26px #18384d80;min-width:0;padding:16px}.budget-circle strong{font-size:clamp(18px,2vw,29px);font-weight:600;line-height:1.3;letter-spacing:-.8px;font-variant-numeric:tabular-nums;overflow-wrap:anywhere;max-width:100%}.budget-circle span{font-size:11px;color:#536e7e;line-height:1.6;margin-top:8px;max-width:140px}.cost-circle{border-color:#caa23c}.balance-circle{border-color:#496b7e}.shortfall-circle{border-color:#a3543c;color:#843f2b}.math-symbol{border-radius:50%;width:35px;height:35px;background:#6b7c86;color:#fff;font-size:25px;display:grid;place-items:center;line-height:1;font-weight:400}.diagram-caption{font-size:14px;color:#3a5c72;margin:25px 0 8px}.budget-diagram>small{font-size:11px;color:#657d8b}.hero-img{object-position:54% 65%}
html[lang=zh-CN] .service-promise{font-size:15px}html[lang=zh-CN] .fee-explanation{font-size:17px}html[lang=zh-CN] .steps h3{font-size:23px}html[lang=zh-CN] .steps p{font-size:16px}html[lang=zh-CN] .calculator-tabs{font-size:17px}html[lang=zh-CN] .calculator-card p{font-size:17px}html[lang=zh-CN] .calculator-faq .faq-item summary{font-size:18px}html[lang=zh-CN] .calculator-faq .faq-item p{font-size:17px}html[lang=zh-CN] .budget-circle span{font-size:15px}html[lang=zh-CN] .diagram-caption{font-size:17px}html[lang=zh-CN] .budget-diagram>small{font-size:14px}html[lang=zh-CN] #upfront-form label{font-size:16px}html[lang=zh-CN] #upfront-form small{font-size:13px}
@media(max-width:1180px){.steps{grid-template-columns:repeat(3,minmax(0,1fr))}.calculator-tabs{gap:0;font-size:13px}.budget-equation{gap:14px;grid-template-columns:minmax(0,1fr) 28px minmax(0,1fr) 28px minmax(0,1fr)}.calculator-faq{gap:35px}.calculator-card{padding:30px}}
@media(max-width:850px){.calculator-faq{grid-template-columns:1fr;gap:20px}.calculator-faq h2{font-size:32px}.calculator-faq h2 br{display:none}.calculator-faq>div>p{max-width:none}.calculator-cards{grid-template-columns:1fr}.calculator-card{min-height:270px}.budget-equation{gap:12px}.budget-circle{padding:12px;border-width:3px}.budget-circle strong{font-size:21px}.math-symbol{width:28px;height:28px;font-size:22px}.calculator-tabs{display:flex!important;order:initial}.service-promise{gap:8px 20px;flex-wrap:wrap;text-align:center}.steps{grid-template-columns:repeat(2,minmax(0,1fr))}.steps article:last-child{grid-column:1/-1}.steps p{font-size:13px}}
@media(max-width:560px){.service-promise{padding:12px 6%;display:block;font-size:10px}.service-promise strong{display:block;font-size:12px}.service-promise span{display:block;margin-top:2px}.process-heading{margin-top:55px}.steps{grid-template-columns:1fr;gap:12px}.steps article{padding:18px 0}.steps article:last-child{padding:20px}.steps p{margin-bottom:0}.calculator-page{padding-top:24px}.calculator-tabs{width:100%;margin-bottom:30px;flex-direction:column}.calculator-tabs a{padding:12px 16px;font-size:12px}.calculator-tabs a+a{border-top:1px solid #d1dde5}.calculator-card{padding:27px}.calculator-card h2{font-size:28px}.calculator-card p{font-size:13px}.calculator-faq{margin-top:45px;padding-top:28px}.calculator-faq .faq-item summary{font-size:13px;padding-left:0}.calculator-faq .faq-item p{padding-left:0}.calculator-page>.fee-explanation{font-size:12px}.budget-diagram{margin-top:30px;padding-top:28px}.budget-diagram h3{font-size:19px;margin-bottom:25px}.budget-equation{display:flex;flex-direction:column;gap:15px}.budget-circle{width:190px;padding:20px}.budget-circle strong{font-size:27px}.budget-circle span{font-size:12px}.math-symbol{width:28px;height:28px}.diagram-caption{font-size:13px}.budget-diagram>small{font-size:10px}.fee-quote-details{margin-left:12px;margin-right:12px}.fee-quote-details>summary{font-size:11px}html[lang=zh-CN] .service-promise strong{font-size:16px}html[lang=zh-CN] .service-promise span{font-size:13px}html[lang=zh-CN] .calculator-tabs a{font-size:16px}html[lang=zh-CN] .calculator-card h2{font-size:28px}html[lang=zh-CN] .fee-explanation{font-size:16px}html[lang=zh-CN] .calculator-faq .faq-item summary{font-size:17px}html[lang=zh-CN] .calculator-faq .faq-item p{font-size:16px}}
@media(prefers-reduced-motion:reduce){.calculator-card:hover,.calculator-card:focus-visible{transform:none}}


.upfront-heading #upfront-title{font-size:34px;max-width:780px;margin:12px 0 0;letter-spacing:-1px;line-height:1.15}.upfront-heading{margin-bottom:24px}.budget-circle strong{font-size:27px}html[lang=zh-CN] .upfront-heading #upfront-title{font-size:30px}@media(max-width:850px){.budget-circle strong{font-size:21px}}@media(max-width:560px){.upfront-heading #upfront-title{font-size:28px;margin-bottom:18px}.budget-circle strong{font-size:23px}html[lang=zh-CN] .upfront-heading #upfront-title{font-size:27px}}