.refi-page{--refi-accent:var(--accent);--refi-tint:color-mix(in srgb, var(--brand) 5%, var(--bg-elevated))}[data-theme=dark] .refi-page{--refi-accent:#a8cede}.refi-wrap{width:min(100%,82rem);padding-inline:var(--nav-pad-x);margin-inline:auto}.refi-eyebrow{letter-spacing:.16em;text-transform:uppercase;color:var(--refi-accent);align-items:center;gap:.7rem;margin-bottom:1.1rem;font-size:.66rem;font-weight:600;line-height:1.7;display:flex}.refi-eyebrow>span{background:var(--hairline);width:1.6rem;height:1px}.refi-title{letter-spacing:-.045em;font-size:clamp(2rem,3.6vw,3.1rem);font-weight:500;line-height:1.13}.refi-title>span{color:var(--refi-accent)}.refi-lede{max-width:29rem;color:var(--text-secondary);font-size:.95rem;line-height:1.85}.refi-section{padding-block:clamp(4rem,7vw,6.5rem)}.refi-section__head{margin-bottom:2.7rem}.refi-section__head--split{justify-content:space-between;align-items:flex-end;gap:2rem;display:flex}.refi-section__head--split>.refi-lede{max-width:22rem}.refi-section__head--center{text-align:center}.refi-section__head--center .refi-eyebrow{justify-content:center}.refi-section__head--center .refi-lede{margin:1.1rem auto 0}.refi-button{color:#183448;min-height:3.3rem;transition:background .2s var(--ease);background:#e8f0f4;border-radius:.5rem;justify-content:center;align-items:center;gap:1.2rem;padding:.85rem 1.3rem;font-size:.83rem;font-weight:600;display:inline-flex}.refi-button:hover{background:#fff}.refi-button .home-icon{flex-shrink:0;width:1.1rem}.refi-link{min-height:2.75rem;color:var(--refi-accent);align-items:center;gap:.7rem;font-size:.82rem;font-weight:600;display:inline-flex}.refi-link .home-icon{flex-shrink:0;width:1rem}.refi-link:hover{text-underline-offset:5px;text-decoration:underline}.refi-hero{padding:0}.refi-hero__inner{isolation:isolate;color:#f4f7fa;background:#173347;border-radius:1.3rem;max-width:90rem;margin-inline:auto;position:relative;overflow:hidden}.refi-hero__image{z-index:-2;object-fit:cover;object-position:center 48%;width:100%;height:100%;position:absolute;inset:0}.refi-hero__inner:before{content:"";z-index:-1;background:linear-gradient(100deg,#0d202dfa 8%,#112a3aeb 42%,#112a3a78 100%);position:absolute;inset:0}.refi-hero__body{grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);align-items:start;gap:clamp(2rem,6vw,6rem);display:grid}.refi-breadcrumb{color:#c0d0da;gap:.7rem;margin-bottom:2.8rem;font-size:.7rem;display:flex}.refi-breadcrumb>span[aria-hidden]{color:var(--hairline)}.refi-hero .refi-eyebrow{color:#b7d3e3}.refi-hero__lede{color:#d0dce4;max-width:28rem;font-size:1rem;line-height:1.85}.refi-hero__actions{flex-wrap:wrap;align-items:center;gap:.6rem 1.5rem;margin-top:2rem;display:flex}.refi-hero .refi-link{color:#e1ecf3}.refi-hero__note{color:#b7cbd8;align-items:center;gap:.45rem;margin-top:1.1rem;font-size:.71rem;display:flex}.refi-hero__note .home-icon{flex-shrink:0;width:.9rem}.refi-lens{backdrop-filter:blur(20px);background:#1c33429e;border:1px solid #dceefa4d;border-radius:1rem;align-self:stretch;margin-bottom:.5rem;padding:2rem}.refi-lens__label{text-transform:uppercase;letter-spacing:.16em;color:#b7d3e3;font-size:.62rem;font-weight:500}.refi-lens h2{letter-spacing:-.035em;margin-block:1rem 1.8rem;font-size:clamp(1.6rem,2.4vw,2.2rem);font-weight:500;line-height:1.18}.refi-lens ol{list-style:none;display:grid}.refi-lens li{border-top:1px solid #dceefa33;align-items:center;gap:1rem;padding-block:1rem;display:flex}.refi-lens li>span{color:#b8a87a;font-family:var(--font-mono), monospace;font-size:.66rem}.refi-lens strong{font-size:.88rem;font-weight:500;display:block}.refi-lens small{color:#bdcfdb;font-size:.73rem}.refi-hero__foot{color:#cedee8;background:#0d202d4d;border-top:1px solid #dceefa2b;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:.7rem 2rem;padding:1.35rem clamp(2rem,5vw,4.7rem);font-size:.75rem;display:flex}.refi-hero__foot p:first-child{color:#f3f7fa}.refi-math{scroll-margin-top:7rem}.refi-calculator.calc-board{border:1px solid var(--border);border-radius:1.25rem;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:0;padding:0;display:grid;overflow:hidden;box-shadow:0 20px 60px #0c11160d}.refi-calculator__inputs{padding:clamp(1.5rem,3vw,2.8rem)}.refi-calculator__heading{align-items:center;gap:.9rem;margin-bottom:2rem;display:flex}.refi-calculator__heading>span{border:1px solid var(--accent-border);width:3rem;height:3rem;color:var(--refi-accent);background:var(--accent-soft);border-radius:.7rem;flex-shrink:0;place-items:center;display:grid}.refi-calculator__heading h3{letter-spacing:-.03em;margin-bottom:.25rem;font-size:1.25rem;font-weight:500}.refi-calculator__heading p{color:var(--text-secondary);font-size:.76rem;line-height:1.7}.refi-calculator .calc-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:1.3rem 1.1rem}.refi-calculator label{color:var(--text-secondary);flex-direction:column;justify-content:space-between;gap:.55rem;font-size:.72rem;font-weight:500;display:flex}.refi-calculator input,.refi-calculator select{min-width:0;min-height:3.4rem;color:var(--text);background:var(--bg);font-family:var(--font-body);border-radius:.5rem;padding:.85rem 1rem;font-size:1rem}.refi-calculator input:focus-visible,.refi-calculator select:focus-visible{outline:2px solid var(--refi-accent);outline-offset:2px}.refi-calculator__assumptions{border-top:1px solid var(--border);color:var(--text-secondary);align-items:flex-start;gap:.65rem;margin-top:2rem;padding-top:1.4rem;display:flex}.refi-calculator__assumptions>.home-icon{width:1rem;color:var(--refi-accent);flex-shrink:0}.refi-calculator__assumptions p{font-size:.72rem;line-height:1.85}.refi-result{color:#f3f7fa;background:radial-gradient(at 100% 0,#345d72,#0000 75%),#183448;padding:clamp(1.5rem,3vw,2.8rem)}.refi-result__eyebrow{color:#c2d9e6;letter-spacing:.13em;text-transform:uppercase;font-size:.65rem;font-weight:500}.refi-result__headline{flex-wrap:wrap;align-items:baseline;gap:.65rem;margin-block:1rem .7rem;display:flex}.refi-result__headline strong{font-family:var(--font-display);letter-spacing:-.055em;font-size:clamp(3.5rem,6vw,5.5rem);font-weight:500;line-height:1}.refi-result__headline>span{color:#c2d9e6;font-size:1rem}.refi-result[data-state=no-savings] .refi-result__headline strong,.refi-result[data-state=beyond-term] .refi-result__headline strong{font-size:clamp(2rem,3vw,2.8rem);line-height:1.15}.refi-result__explanation{color:#c2d9e6;font-size:.78rem;line-height:1.7}.refi-result__numbers{gap:.8rem;margin-top:1.6rem;display:grid}.refi-result__numbers>div{justify-content:space-between;align-items:baseline;gap:1rem;font-size:.8rem;display:flex}.refi-result__numbers dt{color:#c2d9e6}.refi-result__numbers dd{font-variant-numeric:tabular-nums}.refi-result__numbers .refi-result__saving{border-block:1px solid #dceefa33;padding-block:.85rem}.refi-result__saving dd{letter-spacing:-.025em;font-size:1.5rem}.refi-result__timeline{margin-block:1.3rem}.refi-result__timeline-labels{color:#c2d9e6;justify-content:space-between;gap:1rem;font-size:.65rem;display:flex}.refi-result__track{background:#dceefa3d;height:3px;margin-block:.9rem;position:relative}.refi-result__track>span{background:#b8a87a;border:3px solid #183448;border-radius:50%;width:.75rem;height:.75rem;position:absolute;top:50%;transform:translate(-50%,-50%);box-shadow:0 0 0 1px #b8a87a}.refi-result__timeline>p{color:#d7e5ed;font-size:.69rem}.refi-result__net{background:#dceefa0d;border:1px solid #dceefa29;border-radius:.6rem;justify-content:space-between;align-items:center;gap:1rem;padding:1rem;display:flex}.refi-result__net>span{color:#c2d9e6;max-width:12rem;font-size:.7rem;line-height:1.6}.refi-result__net strong{font-size:1.35rem;font-family:var(--font-display);letter-spacing:-.02em;font-weight:500}.refi-result__cta{color:#183448;background:#e8f0f4;border-radius:.5rem;justify-content:space-between;align-items:center;gap:.8rem;min-height:3.2rem;margin-top:1.3rem;padding:.8rem 1rem;font-size:.75rem;font-weight:600;display:flex}.refi-result__cta:hover{background:#fff}.refi-result__cta .home-icon{flex-shrink:0;width:1rem}.refi-result__fine{text-align:center;color:#b9cfdd;margin-top:.75rem;font-size:.65rem}.refi-math__foot{color:var(--text-secondary);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:.5rem 1.5rem;margin-top:1.2rem;font-size:.7rem;display:flex}.refi-math__foot .refi-link{font-size:.72rem}.refi-paths{border-block:1px solid var(--border);background:var(--bg-elevated)}.refi-paths__grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:1.2rem;display:grid}.refi-path{border:1px solid var(--border);background:var(--bg);transition:border-color .25s var(--ease), transform .25s var(--ease);border-radius:1rem;flex-direction:column;padding:clamp(1.4rem,2.5vw,2rem);display:flex}.refi-path:hover,.refi-path:focus-within{border-color:var(--accent-border);transform:translateY(-4px)}.refi-path--keep{background:var(--refi-tint);border-top:2px solid var(--hairline)}.refi-path__top{justify-content:space-between;align-items:center;gap:.75rem;margin-bottom:1.8rem;display:flex}.refi-path__icon{border:1px solid var(--accent-border);width:3rem;height:3rem;color:var(--refi-accent);background:var(--accent-soft);border-radius:.7rem;place-items:center;display:grid}.refi-path__top>p{color:var(--refi-accent);letter-spacing:.1em;text-transform:uppercase;font-size:.62rem}.refi-path h3{letter-spacing:-.04em;margin-bottom:1rem;font-size:clamp(1.7rem,2.6vw,2.3rem);font-weight:500;line-height:1.12}.refi-path h3>span{display:block}.refi-path__copy{color:var(--text-secondary);font-size:.86rem;line-height:1.8}.refi-path ul{gap:.7rem;margin-block:1.5rem 1.8rem;list-style:none;display:grid}.refi-path li{align-items:flex-start;gap:.5rem;font-size:.74rem;display:flex}.refi-path li .home-icon{width:.9rem;height:1.25rem;color:var(--refi-accent);flex-shrink:0}.refi-path__link{border-top:1px solid var(--border);min-height:3.2rem;color:var(--refi-accent);justify-content:space-between;align-items:center;gap:.7rem;margin-top:auto;padding-top:.7rem;font-size:.79rem;font-weight:600;display:flex}.refi-path__link .home-icon{flex-shrink:0;width:1.1rem}.refi-paths__note{text-align:center;color:var(--text-secondary);margin-top:1.8rem;font-size:.78rem;line-height:1.8}.refi-faq{grid-template-columns:.85fr 1.15fr;align-items:start;gap:clamp(2rem,6vw,6rem);display:grid}.refi-faq .refi-title{margin-bottom:1.2rem}.refi-faq .refi-lede{max-width:22rem}.refi-faq .refi-link{margin-top:1.4rem}.refi-faq .faq{border:0;gap:.75rem}.refi-faq .faq__item{border:1px solid var(--border);background:var(--bg-elevated);border-radius:.75rem}.refi-faq .faq__item.is-open{border-color:var(--accent-border)}.refi-faq .faq__q{padding:1.4rem;font-size:.93rem;font-weight:500}.refi-faq .faq__q:hover{color:var(--refi-accent)}.refi-faq .faq__icon:before,.refi-faq .faq__icon:after{background:var(--refi-accent)}.refi-faq .faq__a{padding:0 1.4rem 1.4rem}.refi-faq .faq__a p{font-size:.88rem;line-height:1.85}.refi-contact{padding-bottom:clamp(4rem,7vw,6.5rem);scroll-margin-top:7rem}.refi-contact__inner{border:1px solid var(--border);background:var(--refi-tint);border-radius:1.25rem;grid-template-columns:minmax(0,1fr) minmax(0,.95fr);align-items:center;gap:clamp(2rem,5vw,5rem);padding:clamp(1.5rem,4vw,4rem);display:grid}.refi-contact .refi-title{margin-bottom:1.3rem}.refi-contact .refi-lede{max-width:25rem}.refi-contact__person{border-top:1px solid var(--border);align-items:center;gap:1rem;margin-top:2rem;padding-top:1.5rem;display:flex}.refi-contact__person img{object-fit:cover;object-position:center 18%;border:1px solid var(--border);border-radius:50%;width:3.5rem;height:3.5rem}.refi-contact__person strong{font-size:.9rem;font-weight:600;display:block}.refi-contact__person span{color:var(--text-secondary);font-size:.74rem}.refi-contact__call{color:var(--refi-accent);margin-top:1rem;font-size:.82rem}.refi-contact__call a{padding-block:.5rem;font-weight:600;display:inline-block}.refi-contact .ticket{border:1px solid var(--border);border-radius:.9rem;gap:.9rem;padding:1.8rem;box-shadow:0 15px 40px #0c11160a}.refi-contact .ticket:before{display:none}.refi-contact .ticket h2{font-size:1.55rem;font-weight:500}.refi-contact .ticket .kicker{color:var(--refi-accent)}.refi-contact .ticket .fine{color:var(--text-secondary);font-size:.73rem;line-height:1.7}.refi-contact .ticket label{gap:.45rem;font-size:.75rem;font-weight:500}.refi-contact .ticket input,.refi-contact .ticket select{min-height:3.2rem;color:var(--text);background:var(--bg);font-size:1rem;font-family:var(--font-body);border-radius:.45rem}.refi-contact .ticket .btn{border-radius:.45rem;min-height:3.2rem;margin-top:.25rem}.refi-contact .ticket .done[hidden]{display:none}@media (width<=1000px){.refi-hero__body{grid-template-columns:minmax(0,1fr) minmax(0,.85fr);gap:2rem}.refi-lens{padding:1.5rem}.refi-contact__inner{gap:2rem}}@media (width<=799px){.refi-hero__body{grid-template-columns:1fr;gap:2rem}.refi-breadcrumb{margin-bottom:2rem}.refi-hero__inner:before{background:linear-gradient(110deg,#0d202df5,#112a3acc)}.refi-lens{margin:0}.refi-lens h2{max-width:22rem;font-size:1.65rem}.refi-hero__foot{padding:1.3rem 1.5rem}.refi-section__head--split{display:block}.refi-section__head--split>.refi-lede{max-width:31rem;margin-top:1.3rem}.refi-calculator.calc-board,.refi-paths__grid,.refi-faq,.refi-contact__inner{grid-template-columns:1fr}.refi-calculator__inputs,.refi-result{padding:1.75rem}.refi-result__headline strong{font-size:4.5rem}.refi-path{padding:1.75rem}.refi-path h3{font-size:2rem}.refi-path h3>span{display:inline}.refi-path h3>span+span:before{content:" "}.refi-faq{gap:2rem}.refi-contact__inner{padding:1.75rem}.refi-contact .ticket{padding:1.4rem}}@media (width<=450px){.refi-calculator .calc-grid{grid-template-columns:1fr}.refi-calculator__inputs,.refi-result{padding:1.4rem}.refi-result__net{padding:.85rem}.refi-result__net strong{font-size:1.2rem}.refi-contact__inner{padding:1.4rem}.refi-contact .ticket{padding:1rem}.refi-contact .ticket-head{flex-wrap:wrap}}@media (prefers-reduced-motion:reduce){.refi-page *,.refi-page :before,.refi-page :after{transition:none}.refi-path:hover,.refi-path:focus-within{transform:none}}