/* Shared readability improvements and new consumer/editorial components. */
body:not(.broker-centre-body) main p:not(.eyebrow):not(.note):not(.source-note):not(.step-label):not(.badge):not(.prototype-privacy){font-size:1rem;line-height:1.7}body:not(.broker-centre-body) main :is(.service-card,.broker-audience) p{font-size:1rem}body:not(.broker-centre-body) :is(button,a,input,select,textarea,summary):focus-visible{outline:3px solid #2877bd;outline-offset:4px}body:not(.broker-centre-body) main :is(input,select,textarea){font-size:1rem}main summary{min-height:44px}main :is(.text-link,.back-button){min-height:44px}main input:not([type=checkbox]):not([type=radio]),main select{min-height:46px}input[type=checkbox],input[type=radio]{min-width:20px;min-height:20px;accent-color:var(--blue)}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;overflow:hidden;clip-path:inset(50%);white-space:nowrap;border:0}.skip-link{z-index:1000}#main:focus{outline:none}html{scroll-padding-top:120px}textarea{font:inherit}main a:not(.button):not(.consumer-tile):not(.service-card):not(.broker-audience):not(.logo){text-underline-offset:4px}.consumer-page .wrap{padding-top:56px;padding-bottom:56px}.consumer-hero{background:var(--paper);border-bottom:1px solid var(--line)}.consumer-hero h1{max-width:940px;font-size:clamp(2.45rem,4.4vw,4.2rem)}.consumer-hero .lede{max-width:780px}.consumer-hero .actions{margin-top:28px}.consumer-page .consumer-hub-content{padding-top:40px}.consumer-page .consumer-risk{padding-top:20px;padding-bottom:20px;background:var(--pale)}.consumer-risk p:last-child{margin-bottom:0}.consumer-tiles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.consumer-tile{min-width:0;background:#fff;border:1px solid var(--line);border-radius:8px;padding:28px;display:flex;align-items:flex-start;flex-direction:column;border-top:3px solid var(--gold)}.consumer-tile h3{font-size:1.3rem;line-height:1.3;margin:8px 0 14px}.consumer-tile h2{font-size:1.65rem}.consumer-tile p{line-height:1.7}.consumer-tile>span:last-child:not(.review-marker){color:var(--blue);font-weight:600;margin-top:auto;display:flex;gap:24px}.consumer-tile:hover{border-color:#91adca}.consumer-tile .badge{font-size:.7rem}.consumer-reading{display:grid;grid-template-columns:minmax(0,2fr) minmax(240px,1fr);gap:70px}.consumer-content>section{position:relative;padding:0 0 32px 44px;border-bottom:1px solid var(--line);margin-bottom:32px}.consumer-content>section:last-child{margin-bottom:0}.consumer-content h2{font-size:1.75rem;line-height:1.2;margin-bottom:18px}.reading-number{position:absolute;left:0;top:3px;color:var(--blue);font-size:.8rem;font-weight:600}.consumer-guide-nav{align-self:start;background:var(--pale);padding:26px;border-radius:6px;border-top:3px solid var(--gold)}.consumer-guide-nav h2{font-size:1.25rem}.consumer-guide-nav a{display:flex;font-size:.95rem;border-bottom:1px solid var(--line);padding:12px 0}.consumer-guide-nav hr{border:0;margin:16px 0}.consumer-checklist{background:var(--pale);padding:30px;border-left:3px solid var(--gold);align-self:start;border-radius:5px}.consumer-checklist h2{font-size:1.5rem}.consumer-checklist ul,.reading-list{padding-left:20px;line-height:1.8}.consumer-checklist li,.reading-list li{padding:8px 0}.consumer-steps{list-style:none;padding:0;margin:28px 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:20px}.consumer-steps li{padding:20px 15px 16px 0;border-top:2px solid var(--gold);display:flex;flex-direction:column;gap:14px}.consumer-steps b{color:var(--blue);font-size:.85rem}.consumer-steps span{font-weight:600}.consumer-support{display:flex;justify-content:space-between;align-items:center;gap:35px;padding:32px;background:var(--pale);border-radius:8px;margin-top:40px}.consumer-support h2{font-size:1.7rem}.consumer-support p{margin:0}.consumer-support>.button{flex-shrink:0}.consumer-next{padding:35px;border:1px solid var(--line);border-top:3px solid var(--gold);margin-top:40px}.consumer-next h2{font-size:1.8rem}.consumer-next .mortgage-risk{margin:24px 0 0}.source-note{font-size:.85rem;line-height:1.6;margin-top:32px}.source-note a,.legal-page p a,.cookie-banner a{color:var(--blue);text-decoration:underline}.spaced-heading{margin-top:45px}.resource-controls{display:grid;grid-template-columns:2fr 1fr;gap:25px;margin:25px 0}.resource-controls label{min-width:0}.resource-controls input,.resource-controls select{width:100%}.consumer-warning{padding:24px;border-left:3px solid var(--gold);background:var(--pale);margin-bottom:30px}.consumer-warning h2{font-size:1.5rem}.consumer-warning p:last-child{margin-bottom:0}.consumer-warning strong{display:block;margin-bottom:10px}.family-choice{display:flex;align-items:center;gap:14px;border:1px solid var(--line);padding:16px;margin:12px 0;border-radius:6px;font-size:1rem!important}.family-choice input{margin:0}.family-choice:has(:checked){background:var(--pale);border-color:var(--blue)}#family-journey{max-width:880px;background:#fff;border:1px solid var(--line);border-radius:8px;padding:32px}#family-step fieldset{border:0;padding:0;margin:0 0 24px}#family-step legend{font-size:.95rem;color:var(--muted)}.family-summary dt{font-weight:600;margin-top:16px}.family-summary dd{margin:6px 0 18px;color:var(--muted)}.intent-options{display:grid;gap:10px;margin:24px 0}.intent-options>a,.intent-options>button{display:flex;justify-content:space-between;gap:18px;align-items:center;background:var(--pale);border:1px solid var(--line);border-radius:6px;padding:16px 18px;font-size:1rem;color:var(--ink);text-align:left;min-height:54px}.intent-options>a:hover,.intent-options>button:hover{border-color:var(--blue);background:#e9f1f9}.intent-options span{color:var(--blue)}.contact-layout{display:grid;grid-template-columns:1fr 1.7fr;gap:55px}.contact-layout form>.button{margin-top:20px}.contact-details dt{font-weight:600;margin:20px 0 6px}.contact-details dd{margin:0;overflow-wrap:anywhere}.review-marker{font-size:.85rem;line-height:1.6;background:#f6efdc;color:#644f1d;padding:5px 8px;display:inline-block;overflow-wrap:anywhere}.contact-layout .field-grid{margin-top:25px}.contact-layout #contact-review dl{display:grid;grid-template-columns:1fr 2fr;gap:16px}.contact-layout #contact-review dd{margin:0;overflow-wrap:anywhere}.about-editorial{display:grid;grid-template-columns:1.5fr 1fr;gap:70px}.about-fact{background:var(--navy);padding:36px;color:#fff;border-radius:8px;align-self:start}.about-fact strong{font-size:4rem;display:block;color:#e6d39c}.about-fact span{display:block;margin-top:10px}.about-fact hr{border:0;border-top:1px solid #ffffff40;margin:24px 0}.about-fact .text-link{color:#fff;margin-top:24px}.partner-feature{max-width:780px;border:1px solid var(--line);padding:32px;border-radius:8px;background:white}.partner-feature .provider-logo{width:200px;max-height:140px;object-fit:contain;margin-bottom:20px}.legal-layout{display:grid;grid-template-columns:260px minmax(0,1fr);gap:65px;margin-top:40px}.legal-layout>nav{align-self:start;padding:20px;background:var(--pale)}.legal-layout>nav a{display:block;padding:10px 0;font-size:.95rem;border-bottom:1px solid var(--line);color:var(--blue)}.legal-layout>div>section{padding-bottom:26px;margin-bottom:26px;border-bottom:1px solid var(--line)}.legal-layout h2{font-size:1.6rem}.regulatory-fields{display:grid;grid-template-columns:1fr 2fr;margin:30px 0}.regulatory-fields dt,.regulatory-fields dd{padding:18px;border-bottom:1px solid var(--line);margin:0;overflow-wrap:anywhere}.regulatory-fields dt{font-weight:600;background:var(--pale)}.form-errors{padding:18px;border:2px solid #ad322b;background:#fff7f6;color:#79251e;margin-bottom:22px}.form-errors strong{display:block;margin-bottom:12px}.form-errors a{display:block;color:#79251e;text-decoration:underline;padding:6px 0;font-size:.95rem}.form-errors a:focus-visible{outline-color:#ad322b}[aria-invalid=true]{border-color:#ad322b!important}
.professional-footer{padding:50px max(5vw,calc((100vw - 1280px)/2)) 24px}.footer-brand{display:flex;gap:30px;align-items:center;border-bottom:1px solid #ffffff30;padding-bottom:30px;margin-bottom:35px}.footer-brand p{color:#ced8e4;margin:8px 0 0;font-size:1rem}.footer-links{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:28px}.footer-links h2{font-size:1.1rem;margin:0 0 14px;color:white}.footer-links a{display:block;padding:8px 0;color:#e0e7f0;font-size:1rem;line-height:1.5;min-height:40px}.professional-footer a:hover{text-decoration:underline;text-underline-offset:4px}.footer-preferences{border-top:1px solid #ffffff30;padding:26px 0;margin-top:28px;display:flex;align-items:center;justify-content:space-between;gap:25px}.footer-preferences button{background:transparent;color:white;border:1px solid #889bb1;border-radius:4px;padding:12px;font-size:1rem;text-align:left}.footer-preferences div{font-size:.9rem;color:#dae2ed}.footer-preferences span{font-size:.75rem;display:inline-block}.footer-regulatory{border-top:1px solid #ffffff30;padding:26px 0}.footer-regulatory h2{font-size:1.1rem;color:#fff}.footer-regulatory p{color:#e0e7f0;font-size:1rem;line-height:1.7;max-width:1080px}.footer-regulatory a{color:#fff;text-decoration:underline;font-size:1rem}.professional-footer .footer-bottom{font-size:.85rem;color:#d4dfed}
.cookie-banner{position:fixed;bottom:16px;left:16px;right:16px;z-index:60;background:#fff;color:var(--ink);border:1px solid var(--line);box-shadow:0 8px 40px #10244030;border-radius:8px;padding:20px 24px;display:grid;grid-template-columns:1fr auto;gap:25px;align-items:center;max-height:50dvh;overflow:auto}.cookie-banner p{font-size:.9rem;margin:8px 0 0;line-height:1.6;max-width:780px}.cookie-actions{display:flex;gap:10px;flex-wrap:wrap}.cookie-actions button{background:white;border:1px solid var(--blue);color:var(--blue);padding:12px 16px;border-radius:5px;font-size:.9rem;min-height:46px;font-weight:600}.cookie-actions button:hover{background:var(--pale)}.cookie-category{display:grid;grid-template-columns:24px 1fr;gap:12px;align-items:center;font-size:1rem!important;padding:18px 0;border-top:1px solid var(--line)}.cookie-category small{grid-column:2;font-size:.85rem;color:var(--muted)}.cookie-dialog h2{padding-right:35px;font-size:1.8rem}.cookie-dialog .cookie-actions{margin-top:22px}.cookie-dialog form{margin:0}
@media(max-width:1100px){.consumer-tiles{grid-template-columns:1fr 1fr}.consumer-reading{gap:35px}.footer-links{grid-template-columns:repeat(3,1fr)}.cookie-banner{grid-template-columns:1fr}.contact-layout{gap:30px}.legal-layout{gap:30px}}
@media(max-width:760px){.consumer-page .wrap{padding:36px 6%}.consumer-reading,.contact-layout,.about-editorial,.legal-layout{grid-template-columns:1fr;gap:30px}.consumer-guide-nav{order:-1}.consumer-guide-nav{display:none}.consumer-content>section{padding-left:0}.reading-number{position:static;display:block;margin-bottom:12px}.consumer-support{flex-direction:column;align-items:flex-start;padding:24px}.consumer-next{padding:24px}.resource-controls{grid-template-columns:1fr;gap:16px}.regulatory-fields{grid-template-columns:1fr}.regulatory-fields dt{padding-bottom:10px}.regulatory-fields dd{padding-top:12px}.footer-brand{align-items:flex-start;flex-direction:column;gap:20px}.footer-links{grid-template-columns:1fr 1fr}.footer-preferences{flex-direction:column;align-items:flex-start}.cookie-banner{bottom:8px;left:8px;right:8px;padding:18px;gap:14px}.cookie-actions{display:grid;grid-template-columns:1fr;width:100%}.cookie-banner .cookie-actions{grid-template-columns:1fr 1fr}.cookie-banner .cookie-actions>button:last-child{grid-column:1/-1}.cookie-actions button{font-size:.85rem;padding:10px}.legal-layout>nav{display:none}.consumer-hero .actions{align-items:stretch;gap:16px}.contact-layout #contact-review dl{grid-template-columns:1fr;gap:7px}.contact-layout #contact-review dd{margin-bottom:12px}}
@media(max-width:480px){.consumer-tiles{grid-template-columns:1fr}.consumer-tile{padding:24px}.consumer-steps{grid-template-columns:1fr}.consumer-steps li{flex-direction:row;gap:20px;padding:18px 0}.consumer-steps b{min-width:25px}.footer-links{grid-template-columns:1fr 1fr;gap:24px 16px}.footer-links a{font-size:.95rem;overflow-wrap:anywhere}#family-journey{padding:22px}.professional-footer .footer-bottom{flex-direction:column;gap:14px}.consumer-hero h1{font-size:2.4rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto!important}*,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important}}

/* Family explorer: compact cards with controls anchored beside left-aligned labels. */
#family-journey{margin:0 auto;max-width:820px;padding:clamp(22px,4vw,42px);border-top:4px solid #c7a958}#family-journey h2{font-size:clamp(25px,3vw,34px);line-height:1.2}#family-step .family-choice{display:flex;flex-direction:row;justify-content:flex-start;align-items:center;text-align:left;gap:14px;padding:17px 20px;min-height:60px;max-width:none;width:100%;margin:10px 0;border:1px solid #ccd9e6;border-radius:9px;cursor:pointer;background:white;font-weight:500;line-height:1.45}#family-step .family-choice input[type=radio]{display:block;flex:0 0 21px;width:21px;height:21px;min-width:21px;max-width:21px;margin:0;padding:0;accent-color:#184e85}#family-step .family-choice:hover{border-color:#7396b8;background:#f7faff}#family-step .family-choice:has(:checked){border:2px solid #1d568b;padding:16px 19px;background:#edf4fc;box-shadow:inset 4px 0 #c6a752;color:#143e69}#family-step .family-choice:focus-within{outline:3px solid #cfb26a;outline-offset:3px}#family-step .actions{justify-content:flex-start;gap:24px;margin-top:24px}#family-step legend{margin-bottom:10px}

/* Mortgage education diagrams */
.mortgage-education{padding-top:54px;padding-bottom:54px;scroll-margin-top:130px;color:#102c49}.mortgage-education h2{max-width:850px}.mortgage-education .me-intro{max-width:850px;font-size:1.1rem;line-height:1.7}.me-pair{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;margin:28px 0}.me-card{background:#f3f7fb;border:1px solid #d7e2ed;border-top:4px solid #1767a5;border-radius:10px;padding:28px;min-width:0}.mortgage-education h3{font-size:1.35rem;line-height:1.35;margin:12px 0}.mortgage-education h4{font-size:1.1rem;line-height:1.4;margin:8px 0}.mortgage-education p{line-height:1.7}.me-kicker{font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:#345977}.me-chart{display:block;width:100%;height:auto;margin:20px 0}.me-chart text{font-family:inherit;font-size:15px;fill:#233f5b}.me-outcome{border-top:1px solid #ccd9e5;padding-top:18px;margin-bottom:0}.me-note{border-left:3px solid #b39753;padding:12px 18px;background:#faf8f2;font-size:.95rem}.me-links{display:flex;flex-wrap:wrap;gap:16px 28px;margin-top:22px}.me-links a{color:#185d91;text-decoration:underline;text-underline-offset:4px;line-height:1.6}.me-tracker{border-left:3px solid #b39753;background:white;padding:18px;margin-top:22px}.me-tracker p{margin-bottom:0}.mortgage-education .me-subheading{margin-top:32px}.me-features{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin:24px 0}.me-features article{border-top:2px solid #b39753;padding:18px 4px}.me-journey{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:18px;list-style:none;padding:0;margin:30px 0;counter-reset:journey}.me-journey li{background:#f3f7fb;border:1px solid #d7e2ed;border-radius:8px;padding:20px;min-width:0}.me-number{display:inline-flex;width:40px;height:40px;justify-content:center;align-items:center;border-radius:50%;background:#102c49;color:#fff;font-size:.95rem;font-weight:700}.mortgage-education .me-journey h3{font-size:1.05rem;margin:16px 0 10px}.me-journey p{font-size:.95rem;margin:0}.me-help{background:#102c49;color:#fff;border-radius:8px;padding:24px 28px;margin:24px 0}.mortgage-education .me-help h3,.mortgage-education .me-help p{color:#fff}.me-help p{max-width:1000px;margin-bottom:0}.me-compact .me-journey li{padding:16px}.me-compact .me-journey h3{font-size:1rem}.me-links a:focus-visible{outline:3px solid #1767a5;outline-offset:4px}@media(max-width:1100px){.me-journey{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:700px){.me-pair,.me-features,.me-journey{grid-template-columns:1fr}.mortgage-education{padding-top:32px;padding-bottom:32px}.me-card{padding:20px}.me-journey li{position:relative;padding-left:76px}.me-number{position:absolute;left:20px;top:20px}.mortgage-education .me-journey h3{margin-top:0}.me-compact .me-journey li{padding:20px 20px 20px 76px}.me-help{padding:22px}.me-links{flex-direction:column}.me-chart text{font-size:16px}}