@font-face{font-family:"Parkinsans";font-weight:600 700;font-display:swap;src:url("/theme/fonts/parkinsans.woff2") format("woff2"),url("/theme/fonts/parkinsans-700.woff") format("woff")}
@font-face{font-family:"Red Hat Text";font-weight:400 500;font-display:swap;src:url("/theme/fonts/redhattext.woff2") format("woff2"),url("/theme/fonts/redhattext-400.woff") format("woff")}
:root{--ground:#0F1115;--slab:#171A21;--well:#1F232B;--seam:#2A2F3A;--ink-eb8:#EDEFF2;--hush:#A3ACBA;--aqua:#5EEAD4;--aquaInk:#0F1115;--peach:#FFB4A2;--amber:#FFD166;--red:#FF8A80;--rad:14px;--wide-eb8:920px;--measure:720px;color-scheme:dark}
*{box-sizing:border-box}
html{background:var(--ground);-webkit-text-size-adjust:100%}
body{margin:0;background:var(--ground);color:var(--ink-eb8);font:400 17px/1.6 "Red Hat Text",system-ui,sans-serif}
img,svg{max-width:100%;height:auto}
a{color:var(--aqua);text-underline-offset:3px}
a:hover{text-decoration-thickness:2px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:2px solid var(--aqua);outline-offset:2px}
h1,h2,h3{font-family:"Parkinsans",system-ui,sans-serif;font-weight:700;line-height:1.2;letter-spacing:-.01em;margin:0;text-wrap:balance}
h1{font-size:28px}
h2{font-size:23px}
h3{font-size:18px;font-weight:600}
p{margin:0 0 14px}
.frame{max-width:var(--wide-eb8);margin:0 auto;padding:0 20px}
.siteHead{background:var(--ground)}
.siteHead .frame{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:16px}
.brandLink{display:inline-flex;align-items:center}
.brandLink img{height:42px;width:auto;display:block}
.mainNav{display:flex;gap:26px}
.mainNav a{color:var(--ink-eb8);text-decoration:none;font-weight:500;font-size:16px;padding:8px 0;border-bottom:2px solid transparent}
.mainNav a:hover,.mainNav a[aria-current=page]{border-bottom-color:var(--aqua)}
.navToggle{display:none;background:var(--slab);color:var(--ink-eb8);border:1px solid var(--seam);border-radius:10px;font:500 15px "Red Hat Text",sans-serif;min-height:42px;padding:0 16px;cursor:pointer}
.navToggle:hover{border-color:var(--aqua)}
main{display:block}
.pageTop{padding-top:12px}
.pageTop .prose{padding-top:28px}
.recastPanel{background:var(--slab);border-radius:var(--rad);box-shadow:inset 0 0 0 1px var(--seam);padding:26px 28px 28px}
.recastPanel h1{margin-bottom:6px}
.panelTitle{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:6px}
.panelTitle h1{margin:0}
.panelLede{color:var(--hush);margin:0 0 18px;max-width:var(--measure)}
.panelGrid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:28px;align-items:start}
.fieldSet{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px}
.fieldSet .spanTwo{grid-column:1/-1}
.field{display:block;cursor:pointer}
.field .lab{display:block;font-weight:500;font-size:15px;margin-bottom:5px}
.field small{display:block;color:var(--hush);font-size:13.5px;line-height:1.4;margin-top:4px}
.field input,.field select{width:100%;min-height:46px;background:var(--ground);color:var(--ink-eb8);border:1px solid var(--seam);border-radius:10px;padding:0 12px;font:500 17px "Red Hat Text",sans-serif}
.field select{appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--hush) 50%),linear-gradient(135deg,var(--hush) 50%,transparent 50%);background-position:calc(100% - 18px) 20px,calc(100% - 13px) 20px;background-size:5px 5px;background-repeat:no-repeat;padding-right:34px}
.fixedServicer{cursor:default}
.fixedServicer .fixedVal{display:block;font:500 17px "Red Hat Text",sans-serif;min-height:46px;line-height:46px}
.field input:hover,.field select:hover{border-color:#3A4150}
.field input::placeholder{color:#5F6776;font-style:italic;font-weight:400}
.unitWrap{display:block;position:relative}
.unitWrap span{position:absolute;top:50%;transform:translateY(-50%);color:var(--hush);font-size:15px;pointer-events:none}
.unitWrap .pre{left:12px}
.unitWrap .post{right:12px}
.unitWrap .pre+input{padding-left:26px}
.refiBox,.moreBox{grid-column:1/-1;background:var(--well);border-radius:10px;padding:0 14px}
.refiBox summary,.moreBox summary{cursor:pointer;min-height:46px;display:flex;align-items:center;font-weight:500;list-style:none}
.refiBox summary::-webkit-details-marker,.moreBox summary::-webkit-details-marker{display:none}
.refiBox summary::after,.moreBox summary::after{content:"+";margin-left:auto;color:var(--aqua);font-size:20px}
.refiBox[open] summary::after,.moreBox[open] summary::after{content:"\2212"}
.refiBox .fieldSet,.moreBox .fieldSet{padding:4px 0 16px}
.moreBox .fieldSet{grid-template-columns:1fr}
.answerCol{background:var(--well);border-radius:12px;padding:22px;min-height:180px;position:sticky;top:24px}
.recastPanel .answerCol{align-self:stretch}
.recastPanel .answerCol.isMsg{align-self:start;min-height:0}
.answerIdle{color:var(--hush);margin:0}
.answerLine{font-size:21px;line-height:1.4;margin:0 0 6px}
.answerLine b{display:block;font-family:"Parkinsans",sans-serif;font-weight:700;font-size:38px;color:var(--peach);line-height:1.15}
.answerSub{color:var(--ink-eb8);margin:0 0 14px}
.answerFacts{list-style:none;margin:0 0 14px;padding:0;display:grid;gap:8px}
.answerFacts li{display:flex;justify-content:space-between;gap:12px;border-top:1px solid var(--seam);padding-top:8px;font-size:15.5px}
.answerFacts li span:last-child{font-weight:500;text-align:right}
.flag{font-weight:500}
.flag.no{color:var(--red)}
.flag.maybe{color:var(--amber)}
.flag.yes{color:var(--aqua)}
.answerNote{color:var(--hush);font-size:14px;margin:0 0 12px}
.answerActs{display:flex;flex-wrap:wrap;gap:10px}
.btn{display:inline-flex;align-items:center;min-height:42px;padding:0 16px;border-radius:14px;border:1px solid var(--aqua);background:transparent;color:var(--aqua);font:500 15px "Red Hat Text",sans-serif;text-decoration:none;cursor:pointer}
.btn:hover{background:rgba(94,234,212,.1);text-decoration:none}
.btn.solid{background:var(--aqua);color:var(--aquaInk)}
.btn.solid:hover{background:#86F0E0}
.threeWay{margin-top:16px}
.threeWay summary{cursor:pointer;color:var(--aqua);font-weight:500;min-height:42px;display:flex;align-items:center}
.tableWrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{border-collapse:collapse;width:100%;font-size:15.5px}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--seam);vertical-align:top}
thead th{background:var(--well);font-weight:600;font-size:14.5px;color:var(--ink-eb8)}
td.num,th.num{text-align:right;white-space:nowrap}
td.best{color:var(--peach);font-weight:500}
.band{padding:64px 0}
.band.slabBand{background:var(--slab)}
.band h2{margin-bottom:12px}
.band .lead{max-width:var(--measure);color:var(--ink-eb8)}
.prose{max-width:var(--measure)}
.prose h2{margin:40px 0 12px}
.prose h2:first-child{margin-top:0}
.prose h3{margin:24px 0 8px}
.prose ul,.prose ol{padding-left:22px;margin:0 0 16px}
.prose li{margin-bottom:6px}
.secNo{font:500 14px "Red Hat Text",sans-serif;color:var(--hush);margin-right:6px}
.factRow{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin:24px 0 8px}
.factRow div{background:var(--slab);border-radius:12px;box-shadow:inset 0 0 0 1px var(--seam);padding:16px}
.factRow b{display:block;font-family:"Parkinsans",sans-serif;font-size:24px;color:var(--peach);line-height:1.2}
.factRow span{display:block;color:var(--hush);font-size:14.5px;margin-top:4px}
.logoTile{display:inline-flex;align-items:center;justify-content:center;background:#EDEFF2;border-radius:8px;width:104px;height:38px;padding:5px 10px;flex:none}
.logoTile img{max-height:24px;max-width:84px;width:auto;height:auto;display:block}
.logoTile.onDark{background:#1C3150}
.logoTile img.mark{height:28px;max-height:28px}
.logoTile img.wide{max-width:94px}
.logoTile.big{width:170px;height:58px}
.logoTile.big img{max-height:36px;max-width:146px}
.logoTile .nameMark{color:#1A1D24;font-weight:500;font-size:13px;line-height:1.15;text-align:center}
.lenderCell{display:flex;align-items:center;gap:12px}
.lenderCell small{color:var(--hush);font-size:13.5px}
.feeTable td{font-size:15px}
.lenderHead{display:flex;flex-direction:column;align-items:stretch;gap:12px;margin:28px 0 6px}
.qList{list-style:none;padding:0;margin:0;counter-reset:q;max-width:var(--measure)}
.qList li{counter-increment:q;padding:18px 0;border-top:1px solid var(--seam)}
.qList h3::before{content:counter(q,decimal-leading-zero);color:var(--hush);font:500 14px "Red Hat Text",sans-serif;margin-right:12px}
.qList p:first-of-type{color:var(--ink-eb8)}
.qList p{margin:8px 0 0}
.checkList{list-style:none;padding:0;margin:0;max-width:var(--measure)}
.checkList li{display:grid;grid-template-columns:120px 1fr;gap:14px;padding:12px 0;border-top:1px solid var(--seam)}
.scriptCard{background:var(--well);border-radius:12px;padding:22px;max-width:var(--measure);box-shadow:inset 0 0 0 1px var(--seam)}
.scriptCard p{margin-bottom:10px}
.routeLinks{display:flex;flex-wrap:wrap;gap:12px 22px;margin-top:8px}
.linkNote{color:var(--hush)}
#compare .routeLinks{display:block}
#compare .routeLinks .btn{display:block;width:fit-content;margin-bottom:14px}
.waveBand{display:block;width:100%;height:auto;border-radius:12px;margin:0}
.oneQ{max-width:520px}
.siteFoot{background:var(--slab);border-top:1px solid var(--seam);padding:44px 0 28px;font-size:14.5px}
main>:last-child:not(.band){margin-bottom:72px}
.footCols{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}
.footCols h2{font-size:15px;color:var(--aqua);margin-bottom:10px;font-weight:600}
.footCols ul{list-style:none;margin:0;padding:0}
.footCols li{line-height:1.8}
.footCols a{color:var(--ink-eb8);text-decoration:none}
.footCols a:hover{color:var(--aqua);text-decoration:underline}
.footBar{border-top:1px solid var(--seam);margin-top:28px;padding-top:18px;color:var(--hush);display:flex;flex-wrap:wrap;gap:10px 22px;justify-content:space-between}
.footBar a{color:var(--hush)}
.legalLinks{display:flex;flex-wrap:wrap;gap:8px 18px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;background:var(--aqua);color:var(--aquaInk);padding:8px 12px;border-radius:8px;z-index:20}
.guideSub{margin-top:10px}
.toolNote{color:var(--hush);font-size:14px;margin:16px 0 0}
.idleFacts{margin:16px 0 0;display:none}
.idleFacts li span:first-child{color:var(--hush)}
.idleFacts li span:last-child{display:none}
.vh{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.compareFor,.compareIntro,.compareAfter{color:var(--hush);max-width:var(--measure)}
.compareTable th[scope=row]{font-weight:500}
.balanceChart{margin:24px 0 0}
.balanceChart figcaption{color:var(--hush);font-size:14px;margin-top:8px}
.proCon{display:grid;grid-template-columns:1fr 1fr;gap:28px;max-width:var(--wide-eb8)}
.proCon h3{margin-bottom:8px}
.proCon ul,.howGrid ul,.stepList{padding-left:20px;margin:0}
.proCon li,.howGrid li{margin-bottom:8px}
.quietList{list-style:none;padding:0;margin:8px 0 0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px 20px}
.quietList li{display:flex;align-items:center;gap:12px}
.quietList small{display:block;color:var(--hush);font-size:13.5px}
.verdict{display:inline-block;font-weight:500;border-radius:8px;padding:2px 10px;white-space:nowrap}
.verdict.no{color:var(--red);background:rgba(255,138,128,.12)}
.verdict.yes{color:var(--aqua);background:rgba(94,234,212,.12)}
.verdict.maybe{color:var(--amber);background:rgba(255,209,102,.12)}
.answerFirst{color:var(--ink-eb8)}
.answerFirst strong{color:var(--peach)}
.eligPanel .answerCol{min-height:0}
.eligPanel .panelGrid{align-items:center}
.howGrid{columns:2 300px;column-gap:40px;margin-bottom:20px}
.howGrid>div{margin-bottom:20px}
.howGrid h3{break-after:avoid}
.howGrid li,.asPublished>div{break-inside:avoid}
.howGrid h3{margin-bottom:8px}
.stepList li{margin-bottom:8px}
.asPublished{display:block;margin:0 0 8px}
.asPublished>div{margin-bottom:16px}
.asPublished dt{color:var(--hush);font-size:14px}
.asPublished dd{margin:2px 0 0}
.lenderFacts .factRow{margin-top:20px}
.aliasNote{margin:14px 0 0;color:var(--hush);font-size:15px}
@media (max-width:760px){
 body{font-size:16.5px}
 h1{font-size:25px}
 h2{font-size:21px}
 .mainNav{display:none;position:absolute;left:0;right:0;top:64px;background:var(--slab);flex-direction:column;gap:0;padding:6px 20px 14px;z-index:15;box-shadow:0 1px 0 var(--seam),0 18px 30px rgba(0,0,0,.55)}
 .mainNav.isOpen{display:flex}
 .mainNav a{padding:12px 0;border-bottom:1px solid var(--seam)}
 .navToggle{display:inline-flex;align-items:center}
 .siteHead{position:relative}
 .brandLink img{height:34px}
 .recastPanel{padding:20px 16px 20px}
 .panelGrid{grid-template-columns:1fr;gap:18px}
 .answerCol{min-height:0;position:static}
 .factRow{grid-template-columns:1fr 1fr}
 .footCols{grid-template-columns:1fr 1fr}
 .band{padding:44px 0}
 .checkList li{grid-template-columns:1fr;gap:4px}
 .proCon,.asPublished{grid-template-columns:1fr}
 .quietList{grid-template-columns:1fr 1fr}
 .panelTitle{flex-wrap:wrap}
 .feeTable thead{display:none}
 .feeTable tr{display:block;border-bottom:1px solid var(--seam);padding:10px 0}
 .feeTable td{display:flex;justify-content:space-between;gap:12px;border:0;padding:5px 0;text-align:right}
 .feeTable td::before{content:attr(data-col);color:var(--hush);text-align:left;flex:none}
 .feeTable td.lenderTd::before{content:none}
 .feeTable td.lenderTd{text-align:left}
 .stackTable thead{display:none}
 .stackTable tr{display:block;border-bottom:1px solid var(--seam);padding:10px 0}
 .stackTable th[scope=row]{display:block;border:0;padding:4px 0}
 .stackTable td{display:flex;justify-content:space-between;gap:12px;border:0;padding:5px 0;text-align:right}
 .stackTable td::before{content:attr(data-col);color:var(--hush);text-align:left;flex:none}
}
@media (max-width:420px){.answerLine b{font-size:34px}.factRow{gap:10px}.factRow div{padding:12px 14px}.factRow b{font-size:20px}.quietList{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}