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88%);background-size:185% 185%;background-position:var(--pointer-x) var(--pointer-y);mix-blend-mode:screen;transition:opacity .22s ease,background-position .08s linear}.mortgage-card-spotlight{z-index:3;opacity:0;background:radial-gradient(circle at var(--pointer-x) var(--pointer-y),rgba(255,255,255,.5),rgba(255,255,255,.15) 20%,transparent 53%);mix-blend-mode:soft-light;transition:opacity .22s ease,background-position .08s linear}.mortgage-card-edge{z-index:4;background:radial-gradient(ellipse 42% 70% at var(--pointer-x) var(--pointer-y),rgba(255,255,255,.2),transparent 72%);box-shadow:inset 0 0 0 1px #ffffff85,inset 0 1px #fff9,inset 0 -1px #06143533;opacity:0;transition:opacity .22s ease,background-position .08s linear,box-shadow .22s ease}.mortgage-card-slot.is-active .mortgage-card-foil{opacity:var(--foil-idle, .14)}.mortgage-card-slot.is-active .mortgage-card-spotlight{opacity:.22}.mortgage-card-slot.is-active .mortgage-card-edge{opacity:.58}.mortgage-card-slot.is-interacting 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.mortgage-card-edge{box-shadow:inset 0 0 0 1px #ffffffad,inset 0 1px #ffffffb8,inset 0 -1px #06143533,0 0 0 3px #fff,0 0 0 6px var(--brand-blue, #4361ee);opacity:1}.mortgage-connector{--connector-x: 12.5%;position:relative;z-index:3;width:100%;height:44px;margin-top:-13px;pointer-events:none}.mortgage-connector svg{display:block;width:100%;height:44px;overflow:visible}.mortgage-connector path{fill:none;stroke:url(#mortgage-connector-gradient);stroke-width:1.5;stroke-linecap:round;opacity:.62}.mortgage-connector-node{position:absolute;z-index:2;top:-3px;left:var(--connector-x);width:9px;height:9px;border:2px solid #fff;border-radius:50%;background:#8b5cf6;box-shadow:0 0 0 3px #8b5cf629,0 4px 10px #24346633;transform:translate(-50%);transition:left .3s cubic-bezier(.2,.75,.2,1)}.mortgage-detail-region{position:relative;z-index:7;width:100%}.mortgage-detail-panel{min-height:242px;outline:0}.mortgage-detail-panel:focus-visible .mortgage-service-details{box-shadow:0 0 0 3px #4361ee4d,0 22px 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p{font-size:.88rem;line-height:1.5}.mortgage-detail-link{width:100%}.mortgage-closing{grid-template-columns:1fr;gap:16px;margin-top:36px;padding-top:28px}.mortgage-video-strip{margin-top:28px}.mortgage-video-control{right:max(10px,env(safe-area-inset-right));bottom:max(10px,env(safe-area-inset-bottom));width:44px;height:44px}}@media(prefers-reduced-motion:reduce){.mortgage-card-slot,.mortgage-card-surface,.mortgage-card-foil,.mortgage-card-spotlight,.mortgage-card-edge,.mortgage-orbit,.mortgage-connector-node{transition:none}.mortgage-card-slot.is-active{transform:translateY(-10px) scale(1.015)}.mortgage-card-surface{transform:none}.mortgage-card-slot.is-interacting .mortgage-orbit-rear,.mortgage-card-slot.is-interacting .mortgage-orbit-front{animation:none}.mortgage-video-control{transition:none}}@keyframes mortgage-orbit-rear{0%{transform:rotate(-9deg) scale(1)}to{transform:rotate(351deg) scale(1)}}@keyframes mortgage-orbit-front{0%{transform:rotate(10deg) scale(1)}to{transform:rotate(-350deg) scale(1)}}.additional-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.additional-card{position:relative;isolation:isolate;min-height:270px;display:flex;align-items:flex-start;gap:25px;overflow:hidden;padding:clamp(26px,4vw,46px);border:1px solid var(--border);border-radius:34px;background:#fff;box-shadow:0 18px 50px #2d2d2814;transition:transform .32s ease,box-shadow .32s ease,border-color .32s ease}.additional-card:before{position:absolute;z-index:-1;width:190px;height:190px;top:-110px;right:-100px;content:"";border-radius:50%;background:linear-gradient(135deg,#072ac829,#f0e0003d);filter:blur(8px);transition:transform .5s ease}.additional-card:hover{transform:translateY(-8px);border-color:#f0e000bf;box-shadow:0 28px 70px #2d2d2829}.additional-card:hover:before{transform:translate(-34px,35px) scale(1.35)}.icon-box{width:67px;height:67px;display:grid;place-items:center;flex:0 0 auto;border-radius:21px;color:#fff;box-shadow:0 16px 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.92fr;align-items:center;gap:clamp(45px,7vw,92px)}.why-copy>p{max-width:650px;color:var(--muted);font-size:1.08rem;line-height:1.75}.why-card{position:relative;overflow:hidden;padding:clamp(28px,4vw,48px);border-radius:36px;color:#fff;background:radial-gradient(circle at 100% 0,rgba(240,224,0,.28),transparent 38%),linear-gradient(145deg,var(--navy),var(--navy-2));box-shadow:0 32px 80px #072ac838}.why-card:after{position:absolute;width:220px;height:220px;right:-130px;bottom:-140px;content:"";border:1px solid rgba(255,255,255,.18);border-radius:50%;animation:ring-pulse 5s ease-in-out infinite}.why-emblem{width:75px;height:75px;display:grid;place-items:center;margin-bottom:27px;padding:8px;border:1px solid rgba(67,97,238,.14);border-radius:23px;background:#fff;box-shadow:0 14px 34px #4361ee2e;animation:emblem-float 5s ease-in-out infinite}.why-emblem 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rgba(255,255,255,.13);border-radius:17px;background:#ffffff0f;font-size:1.1rem;font-weight:730}.calculator-results small{display:block;margin-bottom:6px;color:#d6d6d0;font-weight:500}.calculator-results .button{align-self:flex-start}.disclaimer,.calculator-note p{color:var(--muted);font-size:.9rem;line-height:1.65}.calculator-note{margin-top:34px;padding:25px 28px;border-left:4px solid var(--coral);border-radius:8px 20px 20px 8px;background:#faf9e6}.calculator-note h2{margin:0 0 7px;font-size:1.1rem}.calculator-note p{margin:0}.calc-select{width:100%;padding:12px 14px;border:1px solid var(--border-strong, #dcdcd5);border-radius:12px;background:var(--surface-alt, #fafaf7);color:var(--primary-text, #0b1b3b);font-weight:700}.calc-compare-toggle{gap:14px}.calc-checkbox{display:flex;align-items:center;gap:10px;font-weight:700;cursor:pointer}.calc-checkbox input{width:20px;height:20px;accent-color:var(--brand-navy, #072AC8);cursor:pointer}.calc-invalid-message{margin:0;padding:18px 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#475569);font-size:.88rem;font-weight:650}.calc-breakdown-legend span{display:inline-flex;align-items:center;gap:7px}.calc-swatch{display:inline-block;width:11px;height:11px;border-radius:3px}.calc-swatch-principal{background:var(--brand-navy, #072AC8)}.calc-swatch-interest{background:var(--brand-coral, #ff7c63)}.calc-completion{margin:18px 0 0;color:var(--secondary-text, #475569);font-size:.95rem}.calc-completion b{color:var(--primary-text, #0b1b3b)}.calc-savings-card,.calc-comparison-card{margin-top:22px;padding:18px 20px;border-radius:16px;border:1px solid rgba(203,213,225,.8);background:#ffffffb3}.calc-savings-card h3,.calc-comparison-card h3{margin:0 0 12px;font-size:.95rem;color:var(--primary-text, #0b1b3b)}.calc-savings-card ul,.calc-comparison-card ul{display:grid;gap:10px;margin:0;padding:0;list-style:none}.calc-savings-card li,.calc-comparison-card li{display:flex;align-items:center;justify-content:space-between;gap:12px}.calc-savings-card small,.calc-comparison-card 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h3{margin-top:4px;font-size:clamp(1.5rem,3vw,2rem)}.calculator-chart-heading p,.loan-chart-mode-copy p{margin:7px 0 0;color:var(--secondary-text);line-height:1.5}.loan-chart{gap:16px}.loan-chart-mode-copy h4{margin:0;color:var(--brand-navy);font-size:1.1rem}.loan-chart-canvas{height:clamp(300px,40vw,470px);padding:10px;border:1px solid var(--border);border-radius:18px;background:linear-gradient(180deg,#fff,#fbfcff)}.loan-chart-svg{overflow:visible;outline:none}.loan-chart-svg:focus-visible{border-radius:10px;box-shadow:0 0 0 3px #2f80ed33}.loan-chart-scroll{width:100%;height:100%;min-width:0}.loan-chart-scroll-hint{display:none}.loan-chart-line{fill:none;vector-effect:non-scaling-stroke}.loan-chart-line-standard{stroke:#123d73}.loan-chart-line-extra{stroke:#2f80ed;stroke-width:4}.loan-chart-line-comparison{stroke:#f26f5b;stroke-dasharray:9 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ol{position:relative;display:grid;grid-template-columns:repeat(5,minmax(0,1fr));margin:0;padding:0;list-style:none}.repayment-journey ol:before{position:absolute;top:20px;left:9%;right:9%;height:3px;content:"";border-radius:3px;background:linear-gradient(90deg,#123d73,#2f80ed,#f26f5b)}.repayment-journey li{position:relative;z-index:1;display:grid;justify-items:center;gap:5px;text-align:center}.journey-icon{width:42px;height:42px;display:grid;place-items:center;margin-bottom:4px;border:3px solid #fff;border-radius:50%;color:#fff;background:#123d73;box-shadow:0 4px 12px #123d7333}.repayment-journey li:nth-child(2) .journey-icon,.repayment-journey li:nth-child(3) .journey-icon{background:#2f80ed}.repayment-journey li:nth-child(4) .journey-icon,.repayment-journey li:nth-child(5) .journey-icon{background:#f26f5b}.repayment-journey strong{color:var(--primary-text);font-size:.83rem}.repayment-journey small{max-width:120px;color:var(--secondary-text);font-size:.75rem}.calc-insight-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:13px;margin-top:20px}.calc-insight-grid article{min-height:120px;padding:18px;border:1px solid var(--border);border-radius:16px;background:#fff;transition:transform .2s,border-color .2s,box-shadow .2s}.calc-insight-grid article:hover{border-color:#2f80ed4d;box-shadow:0 12px 30px #172b4d14;transform:translateY(-2px)}.calc-insight-grid svg{color:var(--brand-blue)}.calc-insight-grid p{margin:10px 0 0;color:var(--secondary-text);font-size:.88rem;line-height:1.5}.calc-insight-grid strong{color:var(--brand-navy)}.calculator-disclaimer{margin:18px 4px 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li{grid-template-columns:42px 1fr;justify-items:start;align-items:center;gap:2px 12px;text-align:left}.repayment-journey li .journey-icon{grid-row:1 / 3;margin:0}.repayment-journey small{max-width:none}.calc-insight-grid{grid-template-columns:1fr}.calc-insight-grid article{min-height:0}.calc-cta{width:100%}.info-tip-popover{left:auto;right:-10px;transform:none}}@media(prefers-reduced-motion:reduce){.calc-reset,.calc-insight-grid article{transition:none}}