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h3{color:var(--text);font-size:1.5rem;font-weight:700}.modal-close{background:var(--bg-soft);cursor:pointer;width:40px;height:40px;color:var(--text-light);border:none;border-radius:10px;justify-content:center;align-items:center;font-size:1.25rem;transition:all .3s;display:flex}.modal-close:hover{background:var(--primary);color:#fff;transform:rotate(90deg)}.calc-input{border:2px solid var(--border);border-radius:12px;width:100%;margin-bottom:1.25rem;padding:1rem;font-family:inherit;font-size:1rem;transition:all .3s}.calc-input:focus{border-color:var(--primary);outline:none;box-shadow:0 0 0 4px #2563eb1a}.calc-label{color:var(--text);margin-bottom:.5rem;font-size:.9rem;font-weight:600;display:block}.calc-result{background:var(--gradient-hero);text-align:center;border:1px solid var(--border);border-radius:16px;margin-top:1.5rem;padding:2rem}.calc-result-value{background:var(--gradient-primary);-webkit-text-fill-color:transparent;-webkit-background-clip:text;background-clip:text;margin-bottom:.5rem;font-size:2.5rem;font-weight:800}.mobile-menu-btn{background:var(--bg-soft);cursor:pointer;width:44px;height:44px;color:var(--text);border:none;border-radius:10px;font-size:1.25rem;transition:all .3s;display:none}.mobile-menu-btn:hover{background:var(--primary);color:#fff}.loading{z-index:9999;background:#fff;justify-content:center;align-items:center;transition:opacity .5s,visibility .5s;display:flex;position:fixed;inset:0}.loading.hidden{opacity:0;visibility:hidden}.loading-spinner{border:4px solid var(--border);border-top-color:var(--primary);border-radius:50%;width:60px;height:60px;animation:1s linear infinite rotate}@media (width<=1024px){.hero-main{grid-template-columns:1fr;gap:3rem}.hero-content h1{font-size:3rem}.condo-banner{flex-direction:column;align-items:stretch}.condo-info{flex:none}.nav-links{box-shadow:var(--shadow-lg);-webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);background:#fffffffa;flex-direction:column;gap:1rem;padding:1.5rem;display:none;position:absolute;top:100%;left:0;right:0}.nav-links.active{animation:.3s slideInLeft;display:flex}.mobile-menu-btn{justify-content:center;align-items:center;display:flex}.process-grid{grid-template-columns:1fr;gap:2rem}.process-step:after{display:none}.reviews-grid,.why-grid{grid-template-columns:1fr}.footer-content{grid-template-columns:1fr 1fr;gap:2.5rem}.cta-section h2{font-size:2.25rem}}@media (width<=640px){.condo-search{flex-direction:column}.hero-content h1{font-size:2.25rem}.google-badge,.float-badge{display:none}.hero-buttons{flex-direction:column;align-items:stretch}.footer-content{grid-template-columns:1fr}.section-header h2{font-size:2rem}.credit-estimator{padding:2rem}.credit-score-display{font-size:3rem}}::-webkit-scrollbar{width:10px}::-webkit-scrollbar-track{background:var(--bg-light)}::-webkit-scrollbar-thumb{background:var(--border);border-radius:5px}::-webkit-scrollbar-thumb:hover{background:var(--text-lighter)}.program-hero{background:var(--gradient-hero);padding:160px 24px 80px}.program-hero-container{grid-template-columns:1.2fr 1fr;align-items:center;gap:48px;max-width:1200px;margin:0 auto;display:grid}.program-badge{background:var(--bg);color:var(--primary);box-shadow:var(--shadow-sm);border-radius:999px;align-items:center;gap:8px;margin-bottom:20px;padding:8px 16px;font-size:.85rem;font-weight:600;display:inline-flex}.program-hero h1{color:var(--text);margin-bottom:20px;font-size:2.75rem;font-weight:800;line-height:1.15}.program-hero p{color:var(--text-light);max-width:540px;margin-bottom:32px;font-size:1.1rem}.key-details-box{background:var(--bg);box-shadow:var(--shadow-xl);border-radius:20px;padding:32px}.key-details-box h3{text-transform:uppercase;letter-spacing:.05em;color:var(--text-lighter);margin-bottom:20px;font-size:1rem}.key-details-grid{grid-template-columns:1fr 1fr;gap:20px;display:grid}.key-detail-item .label{color:var(--text-light);margin-bottom:4px;font-size:.85rem}.key-detail-item .value{color:var(--text);font-size:1.2rem;font-weight:700}.who-is-for{background:var(--bg);padding:80px 24px}.who-is-for-container{max-width:800px;margin:0 auto}.who-is-for ul{gap:16px;margin-top:32px;list-style:none;display:grid}.who-is-for li{color:var(--text);background:var(--bg-light);border:1px solid var(--border);border-radius:14px;align-items:flex-start;gap:14px;padding:18px 20px;font-size:1.05rem;display:flex}.who-is-for li i{color:var(--success);margin-top:3px}.condos-hero{background:var(--gradient-hero);text-align:center;padding:160px 24px 60px}.condos-hero h1{color:var(--text);margin-bottom:16px;font-size:2.75rem;font-weight:800}.condos-hero p{color:var(--text-light);max-width:640px;margin:0 auto;font-size:1.1rem}.condo-listing-section{max-width:1000px;margin:0 auto;padding:60px 24px 100px}.condo-sample-tag{background:var(--warning);color:#fff;letter-spacing:.05em;border-radius:6px;margin-bottom:16px;padding:4px 10px;font-size:.75rem;font-weight:700;display:inline-block}.condo-card{background:var(--bg);box-shadow:var(--shadow-lg);border:1px solid var(--border);border-radius:20px;grid-template-columns:1fr 1.2fr;gap:0;display:grid;overflow:hidden}.condo-card img{object-fit:cover;width:100%;height:100%;min-height:280px}.condo-card-body{padding:32px}.condo-card-body h3{color:var(--text);margin-bottom:8px;font-size:1.5rem}.condo-card-body .location{color:var(--text-light);margin-bottom:16px}.condo-tags{flex-wrap:wrap;gap:8px;margin-bottom:20px;display:flex}.condo-tag{background:var(--primary-soft);color:var(--primary);border-radius:999px;padding:6px 12px;font-size:.8rem;font-weight:600}.condo-disclaimer{color:var(--text-lighter);margin-top:24px;font-size:.85rem;font-style:italic}.tools-hero{background:var(--gradient-hero);text-align:center;padding:160px 24px 60px}.tools-hero h1{color:var(--text);margin-bottom:16px;font-size:2.75rem;font-weight:800}.tools-hero p{color:var(--text-light);max-width:560px;margin:0 auto;font-size:1.1rem}.tools-grid{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:24px;max-width:1100px;margin:0 auto;padding:60px 24px 100px;display:grid}.tool-card{background:var(--bg);border:1px solid var(--border);border-radius:18px;padding:28px;text-decoration:none;transition:all .3s;display:block}.tool-card:hover{border-color:var(--primary);box-shadow:var(--shadow-lg);transform:translateY(-4px)}.tool-card .tool-tag{background:var(--primary-soft);color:var(--primary);border-radius:6px;margin-bottom:14px;padding:4px 10px;font-size:.75rem;font-weight:700;display:inline-block}.tool-card i.tool-icon{color:var(--primary);margin-bottom:14px;font-size:1.75rem}.tool-card h3{color:var(--text);margin-bottom:8px;font-size:1.15rem}.tool-card p{color:var(--text-light);font-size:.95rem}.calculator-page{max-width:1100px;margin:0 auto;padding:160px 24px 100px}.calculator-header{text-align:center;max-width:640px;margin:0 auto 48px}.calculator-header h1{color:var(--text);margin-bottom:12px;font-size:2.25rem;font-weight:800}.calculator-header p{color:var(--text-light);font-size:1.05rem}.calculator-layout{grid-template-columns:1fr 1fr;align-items:start;gap:32px;display:grid}.calculator-form{background:var(--bg);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:20px;padding:32px}.calculator-form .form-group{margin-bottom:20px}.calculator-form label{color:var(--text);margin-bottom:8px;font-size:.9rem;font-weight:600;display:block}.calculator-form input,.calculator-form select{border:1px solid var(--border);width:100%;color:var(--text);background:var(--bg);border-radius:10px;padding:12px 14px;font-family:inherit;font-size:1rem}.calculator-form input:focus,.calculator-form select:focus{border-color:var(--primary);box-shadow:0 0 0 3px var(--primary-lighter);outline:none}.calculator-form .form-row{grid-template-columns:1fr 1fr;gap:16px;display:grid}.extra-payments-row{flex-wrap:wrap;gap:10px;margin-bottom:16px;display:flex}.extra-payment-btn{background:var(--bg-soft);border:1px dashed var(--border);color:var(--text-light);cursor:pointer;border-radius:8px;padding:8px 14px;font-size:.85rem;transition:all .2s}.extra-payment-btn:hover{border-color:var(--primary);color:var(--primary)}.calculate-btn{background:var(--gradient-primary);color:#fff;cursor:pointer;border:none;border-radius:12px;width:100%;margin-top:8px;padding:16px;font-size:1rem;font-weight:700;transition:all .3s}.calculate-btn:hover{box-shadow:var(--shadow-xl);transform:translateY(-2px)}.calculator-results{background:var(--bg-light);border-radius:20px;min-height:200px;padding:32px}.calculator-results .result-empty{color:var(--text-lighter);text-align:center;padding:60px 20px}.result-headline{color:var(--text-light);margin-bottom:6px;font-size:.9rem}.result-figure{color:var(--primary);margin-bottom:24px;font-size:2.5rem;font-weight:800}.result-breakdown{gap:10px;margin-bottom:20px;display:grid}.result-breakdown-row{border-bottom:1px solid var(--border);justify-content:space-between;padding:10px 0;font-size:.95rem;display:flex}.result-breakdown-row .label{color:var(--text-light)}.result-breakdown-row .value{color:var(--text);font-weight:700}.amortization-table-wrap{border:1px solid var(--border);border-radius:12px;max-height:320px;margin-top:24px;overflow-y:auto}.amortization-table{border-collapse:collapse;width:100%;font-size:.85rem}.amortization-table th{background:var(--bg);text-align:left;color:var(--text-light);border-bottom:1px solid var(--border);padding:10px 12px;position:sticky;top:0}.amortization-table td{border-bottom:1px solid var(--border);color:var(--text);padding:8px 12px}@media (width<=900px){.program-hero-container,.condo-card,.calculator-layout{grid-template-columns:1fr}}.legal-page{max-width:800px;margin:0 auto;padding:160px 24px 100px}.legal-page h1{color:var(--text);margin-bottom:8px;font-size:2.25rem;font-weight:800}.legal-page .updated{color:var(--text-lighter);margin-bottom:40px;font-size:.9rem}.legal-page h2{color:var(--text);margin:32px 0 12px;font-size:1.3rem}.legal-page p,.legal-page li{color:var(--text-light);margin-bottom:12px;line-height:1.75}.legal-page ul{padding-left:20px}.lead-modal-overlay{-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px);z-index:2000;background:#0f172a99;justify-content:center;align-items:center;padding:20px;display:flex;position:fixed;inset:0}.lead-modal{background:var(--bg);width:100%;max-width:440px;box-shadow:var(--shadow-xl);border-radius:20px;padding:36px;position:relative}.lead-modal-close{background:var(--bg-soft);width:34px;height:34px;color:var(--text-light);cursor:pointer;border:none;border-radius:50%;font-size:.9rem;position:absolute;top:18px;right:18px}.lead-modal h3{color:var(--text);margin-bottom:6px;font-size:1.4rem}.lead-modal p.lead-sub{color:var(--text-light);margin-bottom:24px;font-size:.95rem}.lead-form .form-group{margin-bottom:16px}.lead-form label{color:var(--text);margin-bottom:6px;font-size:.85rem;font-weight:600;display:block}.lead-form input,.lead-form select,.lead-form textarea{border:1px solid var(--border);width:100%;color:var(--text);border-radius:10px;padding:11px 14px;font-family:inherit;font-size:.95rem}.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{border-color:var(--primary);box-shadow:0 0 0 3px var(--primary-lighter);outline:none}.lead-form .field-error{color:var(--danger);margin-top:4px;font-size:.8rem}.lead-success{text-align:center;padding:20px 0}.lead-success i{color:var(--success);margin-bottom:16px;font-size:2.5rem}.lead-success h3{margin-bottom:8px}.lead-inline-form{background:var(--bg);box-shadow:var(--shadow-xl);border-radius:20px;padding:32px}