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var(--color-gray-200)}.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:32px;margin-top:48px}@media (max-width: 1024px){.insurance-content-grid{grid-template-columns:1fr;gap:48px}.insurance-hero h1{font-size:40px!important}.benefits-grid{grid-template-columns:1fr}}@media (max-width: 768px){.insurance-hero{padding:60px 0 40px}.insurance-hero-content{padding:0 var(--spacing-md)}.insurance-hero h1{font-size:32px!important}.insurance-hero-description{font-size:18px}.insurance-hero-actions{flex-direction:column;align-items:center}.insurance-hero-actions .button{width:100%;max-width:300px}.insurance-content{padding:60px 0}.insurance-section{margin-bottom:40px}.insurance-section h2{font-size:28px}.sidebar-card,.why-choose-card{padding:24px}.how-it-works{gap:24px}.step{flex-direction:column;text-align:center;gap:16px}.related-grid{grid-template-columns:1fr;gap:24px}}@media (max-width: 480px){.insurance-hero h1{font-size:28px!important}.insurance-hero-description{font-size:16px}.insurance-section h2{font-size:24px}.insurance-coverage-highlight{padding:24px}.sidebar-card,.why-choose-card{padding:20px}}.insurance-hero-content{display:grid;grid-template-columns:1fr 400px;gap:60px;align-items:center;max-width:1200px;margin:0 auto;padding:0 var(--spacing-lg)}.insurance-hero-text{max-width:600px}.insurance-hero-image{flex:0 0 400px;display:flex;justify-content:center;align-items:center}.hero-insurance-image{width:400px;height:300px;border-radius:12px;box-shadow:0 10px 30px #0000001a;object-fit:cover;object-position:center}@media (max-width: 1024px){.insurance-hero-content{grid-template-columns:1fr;gap:40px;text-align:center}}@media (max-width: 768px){.insurance-hero-content{gap:32px}.insurance-hero-image{flex:none;width:100%;max-width:300px;margin:0 auto}.hero-insurance-image{width:300px;height:225px}.insurance-hero-actions{flex-direction:column;align-items:center}.insurance-hero-actions .button{width:100%;max-width:300px}}@media (max-width: 480px){.insurance-hero-image{max-width:250px}.hero-insurance-image{width:250px;height:188px}}.calculator-page{min-height:100vh;background:var(--color-surface, #fafafa)}.calculator-hero{background:var(--color-background, #ffffff);padding:60px 0 40px;border-bottom:1px solid var(--color-gray-200, #e4e4e7);text-align:center}.calculator-hero-content{max-width:600px;margin:0 auto;padding:0 var(--spacing-md, 1rem)}.calculator-hero h1{font-size:var(--font-size-4xl, 2.5rem);font-weight:700;color:var(--color-text-primary, #18181B);margin-bottom:var(--spacing-lg, 1.5rem);line-height:1.2}.calculator-hero p{font-size:var(--font-size-lg, 1.125rem);color:var(--color-text-secondary, #3F3F46);line-height:1.6}.calculator-section{padding:60px 0;background:var(--color-surface, #fafafa)}.calculator-wrapper{display:grid;grid-template-columns:1fr;gap:var(--spacing-3xl, 4rem);max-width:1200px;margin:0 auto;padding:0 var(--spacing-md, 1rem)}.mortgage-calculator-professional{background:var(--color-background, #ffffff);border:1px solid var(--color-gray-200, #e4e4e7);border-radius:var(--border-radius-lg, 1rem);box-shadow:var(--shadow-lg, 0 10px 15px -3px rgba(0, 0, 0, .1));overflow:hidden;width:100%}.calculator-content{padding:var(--spacing-xl, 2rem)}.calculator-header{text-align:center;margin-bottom:var(--spacing-2xl, 3rem)}.calculator-header h2{font-size:var(--font-size-2xl, 1.5rem);font-weight:600;color:var(--color-text-primary, #18181B);margin-bottom:var(--spacing-sm, .5rem)}.calculator-header p{font-size:var(--font-size-base, 1rem);color:var(--color-text-secondary, #3F3F46);line-height:1.6}.calculator-form{display:flex;flex-direction:column;gap:var(--spacing-lg, 1.5rem)}.form-row{display:grid;grid-template-columns:1fr;gap:var(--spacing-lg, 1.5rem)}.form-group{display:flex;flex-direction:column;gap:var(--spacing-xs, .25rem)}.form-group label{font-size:var(--font-size-sm, .875rem);font-weight:500;color:var(--color-text-primary, #18181B);margin-bottom:var(--spacing-xs, .25rem)}.input-wrapper{position:relative;display:flex;align-items:center;width:100%}.input-wrapper input{width:100%;padding:16px 20px;border:2px solid var(--color-gray-300, #d4d4d8);border-radius:var(--border-radius, .5rem);font-size:16px;font-family:inherit;background:var(--color-background, #ffffff);color:var(--color-text-primary, #18181B);transition:all .3s ease;box-sizing:border-box;min-height:52px}.input-wrapper input:focus{outline:none;border-color:var(--color-accent, #0ABAB5);box-shadow:0 0 0 3px #0abab51a}.input-prefix{position:absolute;left:16px;font-size:16px;font-weight:500;color:var(--color-text-secondary, #3F3F46);z-index:2;pointer-events:none}.input-suffix{position:absolute;right:16px;font-size:16px;font-weight:500;color:var(--color-text-secondary, #3F3F46);z-index:2;pointer-events:none}.input-wrapper:has(.input-prefix) input{padding-left:45px}.input-wrapper:has(.input-suffix) input{padding-right:50px}.calculator-actions{margin-top:var(--spacing-lg, 1.5rem)}.calculate-btn{width:100%;min-height:56px;font-size:var(--font-size-lg, 1.125rem);font-weight:600;background:var(--color-accent, #0ABAB5);color:#fff;border:none;border-radius:var(--border-radius, .5rem);cursor:pointer;transition:all .3s ease;box-shadow:0 4px 12px #0abab540}.calculate-btn:hover{background:var(--color-accent-dark, #006B66);transform:translateY(-2px);box-shadow:0 6px 20px #0abab559}.calculate-btn:active{transform:translateY(0)}.results-section{margin-top:var(--spacing-2xl, 3rem);padding-top:var(--spacing-2xl, 3rem);border-top:2px solid var(--color-gray-200, #e4e4e7)}.results-section h3{font-size:var(--font-size-xl, 1.25rem);font-weight:600;color:var(--color-text-primary, #18181B);margin-bottom:var(--spacing-lg, 1.5rem);text-align:center}.results-grid{display:grid;grid-template-columns:1fr;gap:var(--spacing-md, 1rem);margin-bottom:var(--spacing-xl, 2rem)}.result-card{background:var(--color-surface, #fafafa);border:1px solid var(--color-gray-200, #e4e4e7);border-radius:var(--border-radius, .5rem);padding:var(--spacing-lg, 1.5rem);display:flex;align-items:center;gap:var(--spacing-md, 1rem);transition:all .3s ease}.result-card:hover{box-shadow:var(--shadow-md, 0 4px 6px -1px rgba(0, 0, 0, .1));transform:translateY(-2px)}.result-card.primary{background:var(--color-accent, #0ABAB5);color:#fff;border-color:var(--color-accent, #0ABAB5)}.result-card.primary .result-icon{background:#fff3;color:#fff}.result-card.primary .result-label,.result-card.primary .result-value{color:#fff}.result-icon{width:48px;height:48px;background:var(--color-accent, #0ABAB5);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:var(--font-size-lg, 1.125rem);flex-shrink:0}.result-content{display:flex;flex-direction:column;gap:var(--spacing-xs, .25rem);flex:1}.result-label{font-size:var(--font-size-sm, .875rem);color:var(--color-text-secondary, #3F3F46);font-weight:500}.result-value{font-size:var(--font-size-xl, 1.25rem);font-weight:700;color:var(--color-text-primary, #18181B)}.results-summary{background:var(--color-surface, #fafafa);border:1px solid var(--color-gray-200, #e4e4e7);border-radius:var(--border-radius, .5rem);padding:var(--spacing-lg, 1.5rem)}.results-summary h4{font-size:var(--font-size-lg, 1.125rem);font-weight:600;color:var(--color-text-primary, #18181B);margin-bottom:var(--spacing-md, 1rem)}.summary-row{display:flex;justify-content:space-between;align-items:center;padding:var(--spacing-sm, .5rem) 0;border-bottom:1px solid var(--color-gray-200, #e4e4e7);font-size:var(--font-size-sm, .875rem)}.summary-row:last-child{border-bottom:none}.summary-row span:first-child{color:var(--color-text-secondary, #3F3F46)}.summary-row span:last-child{font-weight:600;color:var(--color-text-primary, #18181B)}.calculator-info{display:flex;flex-direction:column;gap:var(--spacing-xl, 2rem)}.info-card{background:var(--color-background, #ffffff);border:1px solid var(--color-gray-200, #e4e4e7);border-radius:var(--border-radius-lg, 1rem);padding:var(--spacing-xl, 2rem);box-shadow:var(--shadow-md, 0 4px 6px -1px rgba(0, 0, 0, .1))}.info-card h3{font-size:var(--font-size-lg, 1.125rem);font-weight:600;color:var(--color-text-primary, #18181B);margin-bottom:var(--spacing-md, 1rem)}.info-card p{font-size:var(--font-size-base, 1rem);color:var(--color-text-secondary, #3F3F46);line-height:1.6;margin-bottom:var(--spacing-md, 1rem)}.info-card ul{list-style:none;padding:0;margin:var(--spacing-md, 1rem) 0}.info-card li{font-size:var(--font-size-sm, .875rem);color:var(--color-text-secondary, #3F3F46);padding:var(--spacing-xs, .25rem) 0;position:relative;padding-left:var(--spacing-lg, 1.5rem)}.info-card li:before{content:"✓";position:absolute;left:0;color:var(--color-accent, #0ABAB5);font-weight:700}.info-actions{display:flex;flex-direction:column;gap:var(--spacing-sm, .5rem);margin-top:var(--spacing-lg, 1.5rem)}.info-actions .button{width:100%;padding:var(--spacing-sm, .5rem) var(--spacing-md, 1rem);font-size:var(--font-size-sm, .875rem);text-align:center}@media (min-width: 1025px){.calculator-wrapper{grid-template-columns:2fr 1fr;gap:var(--spacing-4xl, 6rem)}.form-row,.results-grid{grid-template-columns:1fr 1fr}.info-actions{flex-direction:row}.calculator-hero h1{font-size:var(--font-size-5xl, 3rem)}}@media (min-width: 769px) and (max-width: 1024px){.calculator-hero h1{font-size:var(--font-size-4xl, 2.5rem)}.form-row,.results-grid{grid-template-columns:1fr 1fr}}@media (max-width: 768px){.calculator-hero{padding:40px 0 30px}.calculator-hero h1{font-size:var(--font-size-2xl, 1.5rem);margin-bottom:var(--spacing-md, 1rem)}.calculator-hero p{font-size:var(--font-size-base, 1rem)}.calculator-section{padding:40px 0}.calculator-content{padding:var(--spacing-lg, 1.5rem)}.calculator-header h2{font-size:var(--font-size-xl, 1.25rem)}.calculator-header p{font-size:var(--font-size-sm, .875rem)}.input-wrapper input{padding:14px 16px;font-size:16px;min-height:48px}.input-wrapper:has(.input-prefix) input{padding-left:40px}.input-wrapper:has(.input-suffix) input{padding-right:45px}.input-prefix{left:14px;font-size:15px}.input-suffix{right:14px;font-size:15px}.calculate-btn{min-height:52px;font-size:var(--font-size-base, 1rem)}.result-card{padding:var(--spacing-md, 1rem)}.result-icon{width:40px;height:40px;font-size:var(--font-size-base, 1rem)}.result-value{font-size:var(--font-size-lg, 1.125rem)}.results-summary{padding:var(--spacing-md, 1rem)}.info-card{padding:var(--spacing-lg, 1.5rem)}}@media (max-width: 480px){.calculator-hero h1{font-size:var(--font-size-xl, 1.25rem)}.calculator-content{padding:var(--spacing-md, 1rem)}.calculator-header h2{font-size:var(--font-size-lg, 1.125rem)}.input-wrapper input{padding:12px 14px;font-size:16px}.input-wrapper:has(.input-prefix) input{padding-left:35px}.input-wrapper:has(.input-suffix) input{padding-right:40px}.calculate-btn{min-height:48px;font-size:var(--font-size-sm, .875rem)}.result-card{flex-direction:column;text-align:center;gap:var(--spacing-sm, .5rem)}.result-icon{width:36px;height:36px;font-size:var(--font-size-sm, .875rem);margin:0 auto}.info-card{padding:var(--spacing-md, 1rem)}}.chat-widget{position:fixed;bottom:var(--spacing-lg);right:var(--spacing-lg);z-index:1000;font-family:inherit}.chat-toggle{width:60px;height:60px;border-radius:50%;background:var(--gradient-accent);border:none;color:#fff;font-size:var(--font-size-xl);cursor:pointer;box-shadow:var(--shadow-lg);transition:all .3s ease;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden}.chat-toggle:hover{transform:translateY(-2px);box-shadow:var(--shadow-xl)}.chat-toggle:before{content:"";position:absolute;top:0;left:0;right:0;bottom:0;background:#ffffff1a;border-radius:50%;transform:scale(0);transition:transform .3s ease}.chat-toggle:hover:before{transform:scale(1);animation:ripple .6s ease-out}@keyframes ripple{0%{transform:scale(0);opacity:1}to{transform:scale(2);opacity:0}}.chat-window{position:absolute;bottom:70px;right:0;width:350px;max-width:calc(100vw - 2rem);background:var(--color-background);border-radius:var(--border-radius-lg);box-shadow:var(--shadow-xl);border:1px solid var(--color-gray-200);overflow:hidden;animation:slideUp .3s ease-out}@keyframes slideUp{0%{opacity:0;transform:translateY(20px) scale(.95)}to{opacity:1;transform:translateY(0) scale(1)}}.chat-header{background:var(--gradient-accent);color:#fff;padding:var(--spacing-md) var(--spacing-lg);display:flex;justify-content:space-between;align-items:center}.chat-header h3{margin:0;font-size:var(--font-size-lg);font-weight:var(--font-weight-semibold)}.chat-close{background:none;border:none;color:#fff;font-size:var(--font-size-xl);cursor:pointer;padding:0;width:24px;height:24px;display:flex;align-items:center;justify-content:center;border-radius:var(--border-radius-sm);transition:background-color .2s ease}.chat-close:hover{background:#ffffff1a}.chat-content{padding:var(--spacing-lg)}.chat-content p{margin:0 0 var(--spacing-lg) 0;color:var(--color-text-secondary);font-size:var(--font-size-sm);line-height:1.4}.chat-form{display:flex;flex-direction:column;gap:var(--spacing-md)}.chat-form .form-group{margin:0}.chat-form input,.chat-form textarea{width:100%;padding:var(--spacing-sm) var(--spacing-md);border:1px solid var(--color-gray-300);border-radius:var(--border-radius);font-size:var(--font-size-sm);font-family:inherit;background:var(--color-background);transition:border-color .2s ease,box-shadow .2s ease;box-sizing:border-box}.chat-form input:focus,.chat-form textarea:focus{outline:none;border-color:var(--color-accent);box-shadow:0 0 0 2px #4db6ac1a}.chat-form textarea{resize:vertical;min-height:70px;font-family:inherit}.chat-submit{margin-top:var(--spacing-sm);width:100%;padding:var(--spacing-sm) var(--spacing-md);font-size:var(--font-size-sm);border-radius:var(--border-radius);background:var(--color-accent);color:#fff;border:none;cursor:pointer;transition:all .3s ease;font-weight:var(--font-weight-semibold)}.chat-submit:hover{background:var(--color-accent-dark);transform:translateY(-1px);box-shadow:var(--shadow-md)}@media (max-width: 768px){.chat-widget{bottom:var(--spacing-md);right:var(--spacing-md)}.chat-toggle{width:50px;height:50px;font-size:var(--font-size-lg)}.chat-window{width:calc(100vw - 2rem);right:-10px;bottom:60px;max-width:320px}.chat-header{padding:var(--spacing-sm) var(--spacing-md)}.chat-header h3{font-size:var(--font-size-base)}.chat-content{padding:var(--spacing-md)}.chat-form{gap:var(--spacing-sm)}.chat-form input,.chat-form textarea{padding:var(--spacing-sm);font-size:var(--font-size-sm)}}.chat-widget *{box-sizing:border-box}.chat-toggle:focus-visible{outline:2px solid var(--color-accent);outline-offset:2px}.chat-close:focus-visible{outline:2px solid white;outline-offset:2px}.lenders-carousel{padding:var(--spacing-3xl, 4rem) 0;background:var(--color-background, #ffffff);border-top:1px solid var(--color-gray-200, #eeeeee);border-bottom:1px solid var(--color-gray-200, #eeeeee)}.lenders-carousel-header{text-align:center;margin-bottom:var(--spacing-2xl, 3rem)}.lenders-carousel-header h3{font-size:var(--font-size-2xl, 1.5rem);font-weight:var(--font-weight-bold, 700);color:var(--color-accent, #0ABAB5);margin-bottom:var(--spacing-sm, .5rem)}.lenders-carousel-header p{font-size:var(--font-size-base, 1rem);color:var(--color-text-secondary, #3F3F46);margin:0}.lenders-carousel-container{position:relative;max-width:1000px;margin:0 auto;padding:0 80px;overflow:hidden}.carousel-arrow{position:absolute;top:50%;transform:translateY(-50%);width:60px;height:60px;background:#fffffff2;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border:2px solid var(--color-accent, #0ABAB5);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:var(--font-size-xl, 1.25rem);color:var(--color-accent, #0ABAB5);cursor:pointer;transition:all .3s ease;z-index:10;box-shadow:0 4px 12px #0000001a}.carousel-arrow:hover{background:var(--color-accent, #0ABAB5);color:#fff;transform:translateY(-50%) scale(1.05);box-shadow:0 6px 20px #0abab54d}.carousel-arrow-left{left:10px}.carousel-arrow-right{right:10px}.lenders-display{display:flex;align-items:center;justify-content:center;min-height:100px;position:relative;gap:0}.lender-item{transition:all .5s cubic-bezier(.4,0,.2,1);display:flex;align-items:center;justify-content:center;position:absolute;width:160px;height:80px}.lender-item img{max-width:140px;max-height:70px;object-fit:contain;transition:all .5s ease;filter:grayscale(0%);border-radius:var(--border-radius, .5rem)}@media (min-width: 769px){.lender-item.prev{left:0;opacity:.4;transform:scale(.75);z-index:1}.lender-item.current{left:50%;transform:translate(-50%) scale(1);opacity:1;z-index:5}.lender-item.next{right:0;opacity:.4;transform:scale(.75);z-index:1}}.lender-item.current img{filter:grayscale(0%);box-shadow:0 8px 25px #0abab526;border:2px solid rgba(10,186,181,.1)}.lender-item.prev img,.lender-item.next img{filter:grayscale(20%);opacity:.7}.carousel-indicators{display:flex;justify-content:center;gap:var(--spacing-xs, .25rem);margin-top:var(--spacing-xl, 2rem)}.indicator{width:10px;height:10px;border-radius:50%;border:none;background:var(--color-gray-300, #D4D4D8);cursor:pointer;transition:all .3s ease}.indicator.active{background:var(--color-accent, #0ABAB5);transform:scale(1.2);box-shadow:0 0 0 3px #0abab533}.indicator:hover:not(.active){background:var(--color-accent-light, #5CDAD6);transform:scale(1.1)}@keyframes slideInDesktop{0%{opacity:0;transform:translate(30px) scale(.8)}to{opacity:1;transform:translate(0) scale(1)}}.lender-item.current img{animation:slideInDesktop .6s ease-out}@media (max-width: 768px){.lenders-carousel{padding:var(--spacing-2xl, 3rem) 0}.lenders-carousel-header h3{font-size:var(--font-size-xl, 1.25rem)}.lenders-carousel-container{padding:0 70px}.carousel-arrow{width:50px;height:50px;font-size:var(--font-size-lg, 1.125rem)}.carousel-arrow-left{left:5px}.carousel-arrow-right{right:5px}.lenders-display{min-height:80px}.lender-item{width:120px;height:60px}.lender-item img{max-width:100px;max-height:50px}.lender-item.prev{left:-10px;opacity:.3;transform:scale(.6);z-index:1}.lender-item.current{left:50%;transform:translate(-50%) scale(1);opacity:1;z-index:5}.lender-item.next{right:-10px;opacity:.3;transform:scale(.6);z-index:1}}@media (max-width: 480px){.lenders-carousel-container{padding:0 60px}.carousel-arrow{width:45px;height:45px;font-size:var(--font-size-base, 1rem)}.lender-item{width:100px;height:50px}.lender-item img{max-width:80px;max-height:40px}.lender-item.prev{left:-20px}.lender-item.next{right:-20px}}.carousel-arrow:focus-visible{outline:3px solid var(--color-focus, #0ABAB5);outline-offset:2px}.indicator:focus-visible{outline:2px solid var(--color-focus, #0ABAB5);outline-offset:2px}.lender-item img{background:var(--color-surface, #fafafa);border:1px solid var(--color-gray-200, #eeeeee)}@media (prefers-contrast: high){.carousel-arrow{background:#fff;border:3px solid black;color:#000}.carousel-arrow:hover{background:#000;color:#fff}.indicator{border:2px solid black}}@media (prefers-reduced-motion: reduce){.lender-item,.lender-item img,.carousel-arrow,.indicator{transition:none}.lender-item.current img{animation:none}}.footer-disclaimer{font-size:var(--font-size-sm, .875rem);color:#fffc;margin-top:var(--spacing-sm, .5rem);margin-bottom:var(--spacing-md, 1rem);font-style:italic;text-align:center;line-height:1.4}.footer-credits-small{text-align:center;margin-top:var(--spacing-md, 1rem);opacity:.6;border-top:1px solid rgba(255,255,255,.1);padding-top:var(--spacing-sm, .5rem)}.dev-credit{color:#fff9;text-decoration:none;font-size:var(--font-size-xs, .75rem);text-transform:uppercase;letter-spacing:.5px;transition:all .3s ease;font-weight:var(--font-weight-medium, 500)}.dev-credit:hover{color:var(--color-accent-light, #5CDAD6);opacity:1;text-decoration:underline;transform:translateY(-1px)}@media (max-width: 768px){.footer-disclaimer{font-size:var(--font-size-xs, .75rem);padding:0 var(--spacing-md, 1rem)}.footer-credits-small{margin-top:var(--spacing-sm, .5rem)}.dev-credit{font-size:11px}}@media (prefers-contrast: high){.dev-credit{color:#fffc;border:1px solid rgba(255,255,255,.3);padding:2px 6px;border-radius:3px}.dev-credit:hover{color:#fff;border-color:#fff}}