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@media(max-width:760px){.wrap{width:calc(100% - 36px)}.section-space{padding:69px 0}.utility-left .sep,.utility-extra,.utility-right{display:none}.utility-inner{min-height:30px}.utility-left{font-size:10px;white-space:normal}.beta-right{display:none}.beta-notice{font-size:10px}.head-inner{height:71px}.brand-name{font-size:25px}.brand{min-width:0}.header-cta{padding:12px;font-size:11px}.header-cta span{display:none}.hero{padding:31px 0 27px}.hero-layout{grid-template-columns:1fr;gap:30px}.hero-copy{padding:5px 0 0;min-height:unset}.hero h1{font-size:clamp(40px,9vw,57px);margin-bottom:13px}.hero-copy>p{font-size:13px;margin-bottom:17px}.hero-actions{margin-top:21px;gap:10px}.hero-actions .btn{font-size:12px;min-height:46px;padding:0 15px}.hero-navigation{margin-top:27px}.hero-media{min-height:360px;height:370px}.hero-media img{object-position:66% center}.photo-overlay{max-width:270px;left:14px;bottom:15px;padding:13px}.photo-overlay strong{font-size:13px}.photo-index{right:13px;top:13px;font-size:10px}.trust-grid{grid-template-columns:repeat(2,1fr);padding:13px 0}.trust-item{padding:12px 8px}.trust-item:first-child{padding-left:8px}.trust-item:nth-child(1),.trust-item:nth-child(3){border-right:1px solid #e3ebef}.trust-item:nth-child(3){border-bottom:0}.trust-item strong{font-size:11px}.trust-item small{font-size:10px}.trust-symbol{width:27px;height:27px;font-size:9px;flex-basis:27px}.check-section{padding:65px 0}.check-top{display:block}.check-top h2{font-size:30px}.check-top p{font-size:12px}.check-top-side{margin-top:20px;border:0;padding:0;max-width:none}.check-tabs{grid-template-columns:repeat(2,1fr)}.check-tab{min-height:61px;font-size:12px;padding:11px;border-bottom:1px solid #e1e9ed}.tab-icon{width:27px;height:27px;font-size:14px}.check-body{padding:24px 17px}.form-lead{display:block}.form-lead h3{font-size:20px;margin-bottom:9px}.form-lead p{font-size:11px}.form-grid{grid-template-columns:repeat(2,1fr);gap:15px 10px}.form-grid label{font-size:11px}.form-grid input,.form-grid select{font-size:13px}.form-submit{grid-column:1/-1}.check-footer{padding:17px;flex-wrap:wrap;gap:8px 15px;font-size:10px}.check-footer>span:nth-child(2){order:3;width:100%}.result-grid{grid-template-columns:1fr 1fr}.result-cell strong{font-size:18px}.result-grid .result-cell:last-child{grid-column:1/-1}.ksv-form-intro{grid-template-columns:1fr;gap:25px}.ksv-form-intro h3{font-size:24px}.section-heading{display:block}.section-heading h2{font-size:32px}.section-heading p{margin-top:17px;font-size:12px}.service-grid{grid-template-columns:1fr 1fr;gap:13px}.service-photo{height:140px}.service-body{padding:17px 14px;min-height:231px}.service-label{font-size:9px}.service-body h3{font-size:16px}.service-body p{font-size:11px}.service-link{font-size:11px}.more-services{justify-content:flex-start;gap:12px 22px}.more-services>span{width:100%}.realty-layout,.finbot-layout,.ksv-layout,.partners-layout,.faq-layout{grid-template-columns:1fr;gap:36px}.realty-visual{height:430px;margin-right:19px}.realty-stamp{right:-17px;bottom:14px;min-width:180px;padding:17px}.realty-stamp strong{font-size:18px}.realty-copy h2{font-size:35px}.realty-list{margin-top:22px}.finbot-features{border:0;border-top:1px solid #38556c;padding:28px 0 0}.ksv-visual{height:330px;margin-left:17px}.ksv-callout{left:-16px;min-width:225px;padding:17px}.steps-grid{grid-template-columns:1fr}.steps-grid>div{border-right:0;border-bottom:1px solid #d9e4e9;padding:23px 0}.steps-grid>div:last-child{border-bottom:0}.step-num{font-size:23px;margin-bottom:10px}.guide-grid{grid-template-columns:1fr 1fr}.guide-grid a{padding:22px 17px;min-height:215px}.guide-grid h3{font-size:15px}.partner-links{gap:12px}.partner-links a{padding:22px 16px;min-height:145px}.partner-links strong{font-size:15px}.faq-layout{gap:17px}.closing{padding:54px 0}.closing-inner{display:block}.closing-ctas{align-items:flex-start;margin-top:23px}.footer-main{grid-template-columns:1fr 1fr;gap:33px 21px;padding:44px 0}.footer-main>div:first-child{grid-column:1/-1}.footer-bottom{flex-wrap:wrap}}
@media(max-width:420px){.header-cta{font-size:10px;padding:11px 9px}.brand-name{font-size:22px}.hero h1{font-size:38px}.hero-checks{font-size:11px}.hero-media{height:295px;min-height:295px}.hero-actions .btn{width:100%}.partner-links{grid-template-columns:1fr}.service-grid{grid-template-columns:1fr}.service-photo{height:190px}.service-body{min-height:180px}.form-grid{grid-template-columns:1fr}.result-grid{grid-template-columns:1fr}.result-grid .result-cell:last-child{grid-column:auto}.guide-grid{grid-template-columns:1fr}.footer-main{grid-template-columns:1fr 1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

.result-grid:has(> :nth-child(4)){grid-template-columns:repeat(2,minmax(0,1fr))}.result-cell{min-width:0}.result-cell strong{overflow-wrap:anywhere}@media(max-width:700px){.result-grid:has(> :nth-child(4)){grid-template-columns:1fr}}


/* Kredit4you Beta V4 – deliberate editorial financial design; scoped, original production untouched */
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body{background:#fff}
.header{box-shadow:0 6px 24px rgba(16,49,83,.045)}
.header-cta{background:#11395a!important;border-radius:10px!important;box-shadow:0 7px 18px rgba(17,57,90,.13)}
.btn{border-radius:10px;transition:transform .2s,background .2s,box-shadow .2s}
.hero{background:linear-gradient(128deg,#f0f6fc 0%,#fff 68%,#eef6f4 100%);position:relative;overflow:hidden}
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.hero-media{border-radius:17px;box-shadow:0 20px 60px rgba(17,43,72,.15);overflow:hidden}
.hero .btn.primary{background:#0e456c}
.trust{background:#fff}
.trust-item{border-radius:11px;transition:transform .2s}
.trust-item:hover{transform:translateY(-3px)}
.check-section{background:linear-gradient(165deg,#edf5fc 0%,#f7f9fd 55%,#f1f8f7 100%);padding:90px 0 112px;position:relative;isolation:isolate}
.check-section:before{content:"";position:absolute;z-index:-1;top:0;right:0;width:54%;height:420px;background:radial-gradient(ellipse at 80% 7%,rgba(34,126,180,.13),transparent 69%);pointer-events:none}
.check-section .wrap{width:min(1330px,calc(100% - 72px))}
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.check-top .section-kicker{font-size:12px;color:#247a9c;letter-spacing:.18em;position:relative;padding-left:31px}
.check-top .section-kicker:before{content:"";position:absolute;top:50%;left:0;width:21px;height:4px;background:linear-gradient(90deg,#f4a346,#177e9c);border-radius:9px;transform:translateY(-50%)}
.check-top h2{font-size:clamp(32px,3.5vw,53px);color:#0d2c49;letter-spacing:-.05em;margin-bottom:15px;line-height:1.11}
.check-top h2 em{font-style:normal;color:#167b99}
.check-top p{font-size:16px;max-width:660px;line-height:1.75;color:#526d81;margin:0}
.check-benefits{display:flex;flex-wrap:wrap;gap:9px 15px;margin-top:20px;color:#1e5571;font-size:12px;font-weight:750}
.check-benefits span{display:inline-flex;align-items:center;gap:5px}
.check-benefits span::first-letter{color:#188f8c}
.check-top-side{border:1px solid #d4e6eb;background:rgba(255,255,255,.75);padding:18px 19px;max-width:340px;border-radius:14px;box-shadow:0 10px 24px rgba(36,79,104,.035)}
.check-top-side .tiny-circle{background:#d6f1ee;color:#087f83}
.check-top-side strong{font-size:13px;color:#17445f}
.check-top-side small{font-size:11px;line-height:1.55;color:#668294}
.check-card{border:1px solid #dbe6ee;border-radius:22px;background:#fff;box-shadow:0 35px 85px rgba(15,52,84,.12);overflow:hidden}
.check-tabs{background:#f9fbff;border:0;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;padding:13px 15px 0;box-shadow:inset 0 -1px 0 #e3eaf2}
.check-tab{min-width:0;min-height:94px;border:0!important;border-radius:14px 14px 0 0!important;border-bottom:3px solid transparent!important;background:transparent!important;padding:15px 18px!important;display:flex!important;align-items:center;gap:13px!important;color:#506b7d!important;position:relative;transition:.18s ease;font-size:13px;text-align:left;line-height:1.3}
.check-tab:after{content:"";position:absolute;height:36px;width:1px;background:#e3e9ef;right:0;top:26px}
.check-tab:last-child:after{display:none}
.check-tab.selected{background:#fff!important;box-shadow:0 -5px 22px rgba(20,56,89,.05)!important;border-bottom:3px solid #2879b5!important;color:#0d2f50!important}
.check-tab[data-target="refi"].selected{border-bottom-color:#12a1a1!important}
.check-tab[data-target="home"].selected{border-bottom-color:#e79a3d!important}
.check-tab[data-target="ksv"].selected{border-bottom-color:#8670ca!important}
.check-tab:hover{background:#eef6fc!important}
.check-tab .tab-icon{width:44px;height:44px;min-width:44px;background:#e9f2fd!important;border:1px solid #d5e5f8!important;border-radius:12px!important;color:#24619d!important;font-size:22px!important;display:grid!important;place-items:center!important;font-weight:750}
.check-tab[data-target="refi"] .tab-icon{background:#dff8f5!important;color:#087f83!important;border-color:#ccece7!important}
.check-tab[data-target="home"] .tab-icon{background:#fff2dc!important;color:#b56b16!important;border-color:#f5deb4!important}
.check-tab[data-target="ksv"] .tab-icon{background:#f0ebfc!important;color:#725bb1!important;border-color:#e6dbfa!important}
.check-tab .tab-text{display:flex;flex-direction:column;gap:5px;align-items:flex-start;min-width:0}
.check-tab .tab-text strong{font-size:14px;letter-spacing:-.01em}
.check-tab .tab-text small{font-size:11px;font-weight:550;color:#7c8fa4;white-space:normal}
.check-body{padding:30px 38px 36px}
.check-panel[hidden]{display:none!important}
.form-lead{display:block;margin-bottom:26px;border-bottom:1px solid #e9eef4;padding-bottom:22px}
.form-step-label{display:inline-block;font-size:10px;font-weight:850;letter-spacing:.14em;color:#188a97;background:#e4f8f7;border-radius:50px;padding:8px 11px;margin-bottom:11px}
.form-lead h3{font-size:clamp(25px,2.4vw,34px);margin:0 0 8px;color:#14334f;line-height:1.22}
.form-lead p{font-size:14px;line-height:1.7;max-width:760px;margin:0;color:#657f90}
.calc-stage{display:grid;grid-template-columns:minmax(0,1fr) 274px;gap:34px;align-items:start}
.calc-main{min-width:0}
.form-grid{display:flex;flex-direction:column;gap:19px}
.input-group{border-radius:13px;background:linear-gradient(135deg,#f9fbfe,#f4f8fd);border:1px solid #e4edf6;padding:21px 22px 23px;min-width:0}
.group-heading{display:flex;align-items:center;gap:9px;color:#4e7594;font-size:11px;font-weight:850;letter-spacing:.13em;margin-bottom:18px}
.group-mark{width:7px;height:7px;border-radius:100%;background:#e49344;box-shadow:0 0 0 4px #ffedda}
.input-fields{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px 18px}
#home-form .input-fields{grid-template-columns:repeat(3,minmax(0,1fr))}
#home-form .input-group:first-child .input-fields{grid-template-columns:repeat(2,minmax(0,1fr))}
#refi-form .input-group:last-of-type .input-fields{grid-template-columns:repeat(2,minmax(0,1fr))}
.form-grid label{font-size:13px;font-weight:750;gap:10px;color:#29465b;line-height:1.35}
.form-grid .input-unit{font-size:10px;letter-spacing:.03em;color:#7790a2;font-weight:750}
.form-grid input,.form-grid select{border:1.5px solid #cfdeea!important;background:#fff!important;border-radius:10px!important;height:57px!important;padding:0 15px!important;box-shadow:0 2px 7px rgba(30,74,111,.03);font-weight:750!important;font-size:16px!important;color:#173a55!important;width:100%;min-width:0}
.form-grid select{padding-right:25px!important}
.form-grid input:focus,.form-grid select:focus{border-color:#2675ab!important;box-shadow:0 0 0 4px rgba(30,116,171,.13);outline:none}
.form-grid input:hover,.form-grid select:hover{border-color:#a8c5d7!important}
.submit-zone{display:flex;align-items:center;gap:22px;margin-top:0;padding:10px 0 0}
.submit-zone .form-submit{margin-left:auto;min-width:232px}
.submit-zone .btn.primary{background:linear-gradient(115deg,#174e7e,#126f95)!important;box-shadow:0 12px 24px rgba(22,91,138,.18);padding:14px 25px!important;font-size:14px!important;min-height:58px!important;border-radius:10px!important}
.submit-zone .btn.primary:hover{background:linear-gradient(115deg,#0e3b61,#155d85)!important}
.submit-help{display:flex;align-items:center;gap:12px;color:#2b526c}
.submit-help b{display:block;font-size:13px}
.submit-help small{display:block;font-size:11px;color:#718899;line-height:1.5;margin-top:3px}
.submit-lock{width:35px;height:35px;min-width:35px;border-radius:50%;background:#dff5ec;color:#218c73;display:grid;place-items:center;font-weight:850}
.calc-note{font-size:11px!important;line-height:1.75!important;color:#697e8e!important;margin-top:23px!important;border-left:3px solid #a8cbd4;background:#f7fafa;border-radius:0 8px 8px 0;padding:10px 14px!important}
.calc-aside{min-width:0;position:relative;background:linear-gradient(153deg,#123e62 0%,#0f2c4a 70%,#113e5e 100%);color:white;border-radius:16px;padding:28px 24px;overflow:hidden;box-shadow:0 16px 30px rgba(21,58,90,.12)}
.calc-aside:before{content:"";position:absolute;height:220px;width:220px;border-radius:50%;border:48px solid rgba(255,255,255,.035);top:-145px;right:-150px;pointer-events:none}
.calc-aside-home{background:linear-gradient(150deg,#12435c,#116671 86%)}
.calc-aside-refi{background:linear-gradient(150deg,#113d55,#136b80)}
.calc-aside .aside-art{height:79px;width:100%;display:flex;align-items:center;justify-content:flex-start;position:relative;margin-bottom:18px}
.calc-aside .aside-art span{height:62px;width:62px;display:grid;place-items:center;font-family:'Manrope',Arial,sans-serif;font-weight:850;font-size:33px;border-radius:17px;background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.2);box-shadow:0 13px 34px rgba(0,0,0,.13)}
.calc-aside .aside-art i{position:absolute;border-radius:50%;background:#75c2bd;opacity:.75;width:9px;height:9px;top:8px;left:79px}
.calc-aside .aside-art i:nth-of-type(2){width:7px;height:7px;top:37px;left:105px;background:#e8ae64}
.calc-aside .aside-art i:nth-of-type(3){width:4px;height:4px;top:62px;left:91px;background:#fff}
.aside-eyebrow{display:block;font-size:10px;letter-spacing:.12em;font-weight:850;color:#90dcd9;margin-bottom:11px}
.calc-aside h4{font-family:'Manrope',Arial,sans-serif;font-size:21px;line-height:1.23;letter-spacing:-.025em;margin:0 0 13px}
.calc-aside p{font-size:12px;line-height:1.75;color:#d8e9f3;margin:0 0 19px}
.calc-aside ol{list-style:none;margin:0;padding:17px 0 13px;border-top:1px solid rgba(255,255,255,.16)}
.calc-aside li{display:flex;gap:11px;align-items:center;margin:0 0 17px;font-size:12px;line-height:1.4;font-weight:650;color:#f0f7fb}
.calc-aside li b{width:26px;min-width:26px;height:26px;display:grid;place-items:center;border-radius:8px;background:rgba(125,205,212,.18);color:#9ce9e4;font-size:10px}
.aside-info{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.13);border-radius:11px;padding:13px;color:#d7e7ef;font-size:11px;line-height:1.6}
.result[hidden]{display:none!important}
.result{margin-top:24px!important;padding:0!important;overflow:hidden;border:1px solid #c8e1e2!important;background:#fff!important;border-radius:15px!important;box-shadow:0 14px 35px rgba(14,74,88,.09)}
.result-head{display:flex;align-items:center;gap:13px;padding:19px 23px;margin:0!important;background:linear-gradient(110deg,#0f4464,#0c6a78);color:#fff!important;font-size:12px!important;letter-spacing:.07em!important;font-weight:800!important}
.result-head small{display:block;color:#b4dee3;letter-spacing:0;font-size:10px;font-weight:500;margin-top:4px}
.result-spark{border-radius:50%;height:35px;width:35px;display:grid;place-items:center;border:1px solid rgba(255,255,255,.35);background:rgba(255,255,255,.13);font-size:18px}
.result-grid{display:grid!important;grid-template-columns:repeat(2,minmax(0,1fr))!important;gap:12px!important;padding:18px 20px 5px}
.result-cell{display:flex!important;flex-direction:column;align-items:flex-start;justify-content:center;padding:18px!important;min-height:100px;border:1px solid #dceaf0;border-radius:11px;background:#f6f9fc;color:#476479}
.result-cell:first-child{grid-row:span 1;background:linear-gradient(130deg,#e5f5fb,#eef8fa);border-color:#b6dce8}
.result-cell span{font-size:11px!important;color:#53728a;font-weight:750;line-height:1.35;margin-bottom:9px!important}
.result-cell strong{font-family:'Manrope',Arial,sans-serif;color:#0e456b!important;font-size:clamp(21px,2vw,29px)!important;font-weight:850!important;line-height:1.15!important;overflow-wrap:anywhere}
.result-cell:first-child strong{font-size:clamp(28px,2.7vw,37px)!important}
.result-explain{margin:14px 22px 0!important;padding-top:17px;border-top:1px solid #e7edf1;color:#5f7585!important;font-size:12px!important;line-height:1.65!important}
.result-cta{display:inline-flex!important;align-items:center;margin:19px 22px 23px!important;padding:14px 19px!important;border:0!important;border-radius:9px;background:#113f60;color:white!important;font-size:13px!important;font-weight:750;box-shadow:0 7px 17px rgba(17,63,96,.15)}
.result-cta:hover{background:#0d567c}
.check-footer{padding:20px 36px!important;background:linear-gradient(90deg,#f6fafb,#edf5f8)!important;font-size:11px!important;gap:13px}
.services{background:linear-gradient(160deg,#f3f7fd 0%,#f8fafc 100%)!important}
.service-card{border-radius:14px!important;overflow:hidden;box-shadow:0 15px 35px rgba(22,61,91,.07)!important;transition:transform .2s,box-shadow .2s}
.service-card:hover{transform:translateY(-4px);box-shadow:0 25px 48px rgba(22,61,91,.13)!important}
.service-body{background:#fff}
.service-card:nth-child(2) .service-body{border-top:4px solid #1b9f9e}
.service-card:nth-child(1) .service-body{border-top:4px solid #e6a44f}
.service-card:nth-child(3) .service-body{border-top:4px solid #4c8ec5}
.service-card:nth-child(4) .service-body{border-top:4px solid #977bcc}
.realty{background:linear-gradient(130deg,#fff 60%,#f1f9f9)}
.finbot{background:linear-gradient(120deg,#103956,#0c5b70)!important}
.ksv-section{background:linear-gradient(145deg,#f5f1fb,#f8fbfe)!important}
.guide{background:#f0f5fb}
.steps{background:linear-gradient(180deg,#fff,#f7fbff)}
.partners{background:#f7fbfd}
@media(max-width:1050px){
 .calc-stage{grid-template-columns:minmax(0,1fr) 235px;gap:20px}
 .check-body{padding:25px 26px 30px}
 .input-group{padding:19px 16px}
 .check-tab{padding:12px 10px!important;gap:9px!important}
 .check-tab .tab-icon{width:38px;height:38px;min-width:38px}
 .check-tab .tab-text small{font-size:10px}
}
@media(max-width:800px){
 .check-section{padding:68px 0 77px}
 .check-section .wrap{width:calc(100% - 32px)}
 .check-top{flex-direction:column;align-items:flex-start;gap:18px}
 .check-top-side{max-width:none;width:100%}
 .calc-stage{grid-template-columns:1fr}
 .calc-aside{display:grid;grid-template-columns:72px 1fr;gap:8px 20px;padding:20px 22px}
 .calc-aside .aside-art{grid-row:span 3;margin:0;align-self:center}
 .calc-aside h4{margin:0;font-size:18px}
 .calc-aside p{margin:0}
 .calc-aside ol,.calc-aside .aside-info{grid-column:1/-1}
 .calc-aside ol{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px}
 .calc-aside li{margin:0}
 .check-tabs{padding:7px 8px 0}
 .check-tab{min-height:76px!important}
 .check-tab .tab-text small{display:none}
 .check-tab .tab-text strong{font-size:12px}
 .check-body{padding:20px}
}
@media(max-width:610px){
 .check-top h2{font-size:34px}
 .check-top p{font-size:14px}
 .check-benefits{font-size:11px}
 .check-card{border-radius:16px}
 .check-tabs{grid-template-columns:repeat(2,minmax(0,1fr));padding:10px;gap:7px}
 .check-tab{min-height:63px!important;border:1px solid #dce7f1!important;border-radius:10px!important;background:#fff!important;padding:9px 11px!important}
 .check-tab.selected{border:1.5px solid #2c87a8!important;background:#edf7fb!important;box-shadow:none!important}
 .check-tab[data-target="home"].selected{border-color:#dc9851!important;background:#fff8e9!important}
 .check-tab[data-target="ksv"].selected{border-color:#997ac7!important;background:#f8f5ff!important}
 .check-tab:after{display:none}
 .check-tab .tab-icon{width:32px;height:32px;min-width:32px;font-size:18px}
 .check-body{padding:19px 13px 22px}
 .form-lead{padding:5px 6px 19px;margin-bottom:19px}
 .form-lead h3{font-size:25px}
 .form-lead p{font-size:13px}
 .input-group{padding:18px 14px;border-radius:12px}
 .input-fields,#home-form .input-fields,#home-form .input-group:first-child .input-fields,#refi-form .input-group:last-of-type .input-fields{grid-template-columns:1fr 1fr}
 .form-grid label{font-size:12px}
 .form-grid input,.form-grid select{height:54px!important;font-size:15px!important;padding:0 11px!important}
 .group-heading{font-size:10px}
 .submit-zone{flex-direction:column;align-items:stretch;gap:13px}
 .submit-zone .form-submit{margin:0;width:100%;min-width:0}
 .calc-aside{display:block}
 .calc-aside .aside-art{height:65px;margin:0 0 10px}
 .calc-aside ol{display:block}
 .calc-aside li{margin:0 0 10px}
 .result-grid{grid-template-columns:1fr 1fr!important;padding:13px!important;gap:8px!important}
 .result-cell{padding:13px!important;min-height:94px}
 .result-cell:first-child{grid-column:1/-1}
 .result-cell strong{font-size:21px!important}
 .result-cell:first-child strong{font-size:30px!important}
 .result-head{padding:16px!important;font-size:10px!important}
 .result-explain{margin:12px 14px 0!important}
 .result-cta{margin:15px 14px!important;white-space:normal;text-align:center}
 .check-footer{padding:16px!important;flex-direction:column;align-items:flex-start!important}
}
@media(max-width:380px){
 .input-fields,#home-form .input-fields,#home-form .input-group:first-child .input-fields,#refi-form .input-group:last-of-type .input-fields{grid-template-columns:1fr}
 .check-tab .tab-text strong{font-size:11px}
}
@media(prefers-reduced-motion:reduce){.service-card,.btn,.trust-item{transition:none}}


.calc-aside .aside-art{display:none!important}
.calc-aside .calc-live{margin:0 0 22px!important}
/* V5 – selective warmth, live calculations, refined visual hierarchy */
.hero-copy{position:relative}
.hero h1{letter-spacing:-.055em}
.hero h1 span{background:linear-gradient(110deg,#236e8a,#11978f);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.hero-shortcuts{display:flex;align-items:center;gap:7px;flex-wrap:wrap;margin:20px 0 17px}
.hero-shortcuts>span{color:#617b8e;font-size:11px;font-weight:800;margin-right:5px}
.hero-shortcuts a{display:inline-flex;align-items:center;gap:7px;font-size:11px;font-weight:750;padding:9px 11px;border:1px solid #d9e5ee;border-radius:20px;background:rgba(255,255,255,.76);color:#325370;box-shadow:0 5px 12px rgba(29,73,106,.035);transition:all .2s}
.hero-shortcuts a:hover{background:#e9f6fc;border-color:#a3cedb;transform:translateY(-2px)}
.hero-shortcuts a i{font-size:13px;font-weight:850;font-style:normal;color:#1c809e}
.hero-shortcuts a:nth-of-type(2) i{color:#11978f}
.hero-shortcuts a:nth-of-type(3) i{color:#d88b32}
.hero-shortcuts a:nth-of-type(4) i{color:#8c78bc}
.hero-navigation{margin-top:21px}
.hero-media:after{content:"";position:absolute;inset:auto 0 0;background:linear-gradient(0deg,rgba(19,50,76,.14),transparent 35%);height:45%;pointer-events:none}
.trust{position:relative;border-bottom:1px solid #deebf2}
.trust-grid{gap:10px!important}
.trust-item{border-radius:12px!important;background:#fff;box-shadow:0 4px 18px rgba(18,56,89,.035);padding:15px 14px!important}
.trust-symbol.trust-glyph{width:45px;height:45px;min-width:45px;border-radius:13px;background:#e6f2fb;color:#256ea0;border:1px solid #d8eaf7;display:grid;place-items:center;font-size:23px!important;font-family:Arial,sans-serif;line-height:1;font-weight:700}
.trust-item:nth-child(2) .trust-symbol{background:#ddf7ee;color:#178976;border-color:#c8eadf}
.trust-item:nth-child(3) .trust-symbol{background:#fff1da;color:#b87920;border-color:#f0dfbc}
.trust-item:nth-child(4) .trust-symbol{background:#f2ecfd;color:#8973bd;border-color:#e7dcf6}
.trust-item strong{font-weight:800}
.check-card{box-shadow:0 28px 76px rgba(16,64,96,.14)!important}
.check-card:before{content:"";display:block;height:5px;background:linear-gradient(90deg,#185480 0%,#1e95aa 31%,#eaa853 66%,#867ac8 100%)}
.check-top-side{border-top:3px solid #65adbf}
.check-tab.selected .tab-icon{transform:scale(1.06)}
.check-body .input-group:nth-child(2) .group-mark{background:#31a7aa;box-shadow:0 0 0 4px #e2f4f4}
.check-body .input-group:nth-child(3) .group-mark{background:#7a85c5;box-shadow:0 0 0 4px #ededfa}
.calc-aside{border:1px solid rgba(255,255,255,.14)}
.calc-live{border-radius:13px;margin:10px 0 17px;padding:18px 16px 15px;background:rgba(255,255,255,.11);border:1px solid rgba(172,230,234,.23);box-shadow:0 14px 22px rgba(5,30,45,.06);position:relative;overflow:hidden}
.calc-live-caption{font-size:9px;letter-spacing:.11em;color:#a7e4e5;font-weight:850;display:flex;align-items:center;gap:8px;margin-bottom:13px}
.live-dot{width:7px;height:7px;border-radius:50%;background:#61d2bc;box-shadow:0 0 0 4px rgba(97,210,188,.16)}
.calc-live>small{display:block;font-size:10px;color:#e6f3f7;line-height:1.4;margin-bottom:6px;font-weight:600}
.calc-live-value{font-family:'Manrope',Arial,sans-serif;font-size:clamp(25px,2.2vw,33px);color:white;display:block;letter-spacing:-.025em;line-height:1.2}
.calc-live-track{height:6px;background:rgba(255,255,255,.17);border-radius:6px;margin:15px 0 10px;overflow:hidden}
.calc-live-track span{display:block;width:0;height:100%;border-radius:6px;background:linear-gradient(90deg,#8ee4d5,#e9bb7d);transition:width .25s}
.calc-live-hint{font-size:10px;line-height:1.5;color:#bfdde4}
.check-next{margin:0 28px 20px;display:flex;align-items:center;gap:17px;border:1px solid #c7e6e4;border-radius:13px;padding:19px 20px;background:linear-gradient(112deg,#effaf8,#f2f9fc)}
.check-next .next-icon{width:41px;height:41px;min-width:41px;border-radius:12px;display:grid;place-items:center;background:#d4efec;font-size:23px;color:#107f7c}
.check-next strong{color:#21445b;font-size:13px;display:block;margin-bottom:5px}
.check-next p{font-size:11px;line-height:1.6;margin:0;color:#647f8b}
.check-next a{margin-left:auto;white-space:nowrap;border-radius:9px;background:#137a87;color:white;font-size:12px;font-weight:850;padding:13px 16px;display:inline-flex;gap:16px;align-items:center;transition:background .2s}
.check-next a:hover{background:#115b67}
.result-grid{gap:13px!important}
.result-cell:first-child{box-shadow:inset 0 3px 0 #1a93aa}
.result-cell:nth-child(2){box-shadow:inset 0 3px 0 #d6a454}
.result-cell:nth-child(3){box-shadow:inset 0 3px 0 #8c85bb}
.services .section-heading{align-items:center}
.service-intro-line{display:flex;gap:15px;align-items:center;margin:-9px 0 25px}
.service-intro-mark{display:inline-flex;white-space:nowrap;align-items:center;padding:9px 17px;border-radius:99px;background:#163e60;color:#fff;font-weight:850;font-size:12px;letter-spacing:.025em}
.service-intro-line p{margin:0;color:#658092;font-size:13px}
.service-photo{position:relative;overflow:hidden}
.service-photo:after{content:"";position:absolute;inset:0;pointer-events:none;opacity:.18;background:linear-gradient(12deg,#154e77,transparent 60%)}
.service-card:nth-child(2) .service-photo:after{background:linear-gradient(12deg,#0b9892,transparent 60%)}
.service-card:nth-child(3) .service-photo:after{background:linear-gradient(12deg,#cb8d45,transparent 60%)}
.service-card:nth-child(4) .service-photo:after{background:linear-gradient(12deg,#7e6eb2,transparent 60%)}
.service-card:hover .service-photo img{transform:scale(1.04)}
.service-photo img{transition:transform .4s}
.service-label{display:inline-flex!important;align-items:center;padding:7px 11px;background:#e5f3ff!important;border-radius:99px;font-weight:850!important;color:#245983!important}
.service-card:nth-child(2) .service-label{background:#e2f8f5!important;color:#188276!important}
.service-card:nth-child(3) .service-label{background:#fff2df!important;color:#b27522!important}
.service-card:nth-child(4) .service-label{background:#f0ebfb!important;color:#806eb2!important}
.service-link b{display:inline-grid;place-items:center;width:32px;height:32px;border-radius:50%;background:#e9f4fa;color:#1d658a;font-size:17px}
.realty-tags{display:flex;gap:9px;flex-wrap:wrap;margin:23px 0 12px}
.realty-tags span{font-size:11px;font-weight:800;background:#e5f4f3;border:1px solid #cdeae6;color:#1c6c72;padding:9px 12px;border-radius:99px}
.realty-tags span:nth-child(2){background:#f7f0e9;color:#a07236;border-color:#eadcc7}
.realty-tags span:nth-child(3){background:#edf3fd;color:#526aa1;border-color:#dce6f4}
.realty-visual{border-radius:19px;overflow:hidden;box-shadow:0 24px 60px rgba(22,68,89,.1)}
.finbot{position:relative;overflow:hidden}
.finbot:after{content:"";position:absolute;width:500px;height:500px;border-radius:50%;border:78px solid rgba(112,216,209,.042);right:-200px;top:-250px;pointer-events:none}
.finbot .section-kicker{color:#78d7d0!important}
.finbot-copy>h2 span{color:#b6e9e3!important}
.finbot-flow{display:flex;gap:10px;align-items:center;flex-wrap:wrap;padding:15px;margin:21px 0 25px;border:1px solid rgba(143,223,222,.19);background:rgba(255,255,255,.05);border-radius:13px}
.finbot-flow>div{display:flex;align-items:center;gap:9px;min-width:0}
.finbot-flow>div span{display:grid;place-items:center;min-width:29px;width:29px;height:29px;border-radius:9px;background:rgba(115,220,206,.2);color:#aeece5;font-size:10px;font-weight:850}
.finbot-flow>div strong{color:#effbfb;font-size:11px;white-space:nowrap}
.finbot-flow>b{font-weight:400;color:#7db6c8}
.finbot-features>div:not(.finbot-footnote){position:relative}
.finbot-features .feature-mark{background:rgba(124,208,206,.1);color:#bcebe7;border:1px solid rgba(124,208,206,.22);border-radius:9px}
.ksv-section .ksv-facts span{border-radius:99px!important;background:#eee7f9!important;color:#624f99!important;border:1px solid #e5daf7}
.steps-grid>div{border-top:4px solid #3d91b7;border-radius:15px;background:#f3f8fc;padding:27px!important}
.steps-grid>div:nth-child(2){border-top-color:#2ba995;background:#f1faf7}
.steps-grid>div:nth-child(3){border-top-color:#df9f5a;background:#fff8ed}
.guide-grid>a{border-radius:13px!important;transition:transform .2s,box-shadow .2s}
.guide-grid>a:hover{transform:translateY(-4px);box-shadow:0 12px 22px rgba(23,64,91,.11)}
.guide-grid>a:nth-child(1){border-top:4px solid #2c80b7}
.guide-grid>a:nth-child(2){border-top:4px solid #20a39d}
.guide-grid>a:nth-child(3){border-top:4px solid #8b73ba}
.guide-grid>a:nth-child(4){border-top:4px solid #df9c50}
@media(max-width:1060px){
 .finbot-flow{gap:7px;padding:13px}
 .finbot-flow>div strong{font-size:10px}
 .check-next{margin:0 19px 17px}
}
@media(max-width:800px){
 .check-next{flex-wrap:wrap}
 .check-next a{margin-left:58px}
 .finbot-flow{display:flex;gap:10px}
}
@media(max-width:600px){
 .hero-shortcuts{gap:7px;margin-top:20px}
 .hero-shortcuts>span{width:100%}
 .hero-shortcuts a{font-size:11px;padding:8px 10px}
 .trust-grid{gap:6px!important}
 .trust-item{padding:13px!important}
 .calc-live{margin:12px 0 18px}
 .calc-aside .calc-live{grid-column:1/-1}
 .check-next{margin:0 13px 15px;padding:15px;gap:10px}
 .check-next p{font-size:11px}
 .check-next a{width:100%;margin:4px 0 0;justify-content:center}
 .finbot-flow{display:grid;grid-template-columns:1fr;gap:8px}
 .finbot-flow>b{display:none}
 .finbot-flow>div strong{font-size:11px}
 .service-intro-line{align-items:flex-start}
 .service-intro-line p{font-size:11px}
 .realty-tags{gap:6px}
 .realty-tags span{font-size:10px}
}


/* V6: Two clear paths. All nav links have real targets; CSS active follows JS selection. */
.header-actions{display:flex;align-items:center;gap:11px;margin-left:auto;flex-shrink:0}
.header-actions .header-cta{margin:0}
.header-apply{border-radius:10px;display:inline-flex;align-items:center;justify-content:center;gap:11px;min-height:47px;padding:0 16px;background:#eff8f6;color:#135d62;border:1px solid #bdded9;font-size:12px;font-weight:850;white-space:nowrap;transition:background .2s,transform .2s}
.header-apply:hover{background:#dff4ef;transform:translateY(-2px)}
.header-apply span{font-size:18px}
.nav a.active:after{background:#d88a3a!important;height:3px!important;border-radius:3px}
.nav a[data-nav-key="refi"].active:after{background:#16a29e!important}
.nav a[data-nav-key="home"].active:after{background:#df9c43!important}
.nav a[data-nav-key="ksv"].active:after{background:#8e76c8!important}
.hero-actions .btn.light{background:#eaf7f4;color:#14565b;border:1px solid #bbdcd5;font-weight:800}
.hero-actions .btn.light:hover{background:#d8f0e9}
.apply-choice{display:flex;align-items:center;gap:17px;background:linear-gradient(109deg,#0f4365,#166c79);padding:20px 25px;border-radius:18px;margin:6px 0 19px;color:#fff;box-shadow:0 13px 34px rgba(13,71,95,.12)}
.apply-choice-icon{display:grid;place-items:center;width:45px;min-width:45px;height:45px;border:1px solid rgba(255,255,255,.24);border-radius:13px;background:rgba(255,255,255,.11);font-size:25px;color:#e5fff6}
.apply-choice-text{display:flex;flex-direction:column;gap:4px;min-width:220px}
.apply-choice-text strong{font-size:15px;line-height:1.3}
.apply-choice-text>span{font-size:11px;line-height:1.5;color:#cee5ea}
.apply-choice-links{margin-left:auto;display:flex;flex-wrap:wrap;justify-content:flex-end;gap:7px}
.apply-choice-links a{display:inline-flex;align-items:center;gap:9px;border:1px solid rgba(255,255,255,.25);border-radius:9px;padding:11px 12px;background:#fff;color:#124767;font-size:11px;font-weight:850;white-space:nowrap;transition:transform .2s,background .2s}
.apply-choice-links a:nth-child(2){background:#e4faf4;color:#0e6f72}
.apply-choice-links a:nth-child(3){background:#fff4e6;color:#926025}
.apply-choice-links a:nth-child(4){background:#f3edff;color:#695395}
.apply-choice-links a:hover{transform:translateY(-2px);background:#eefafa}
.apply-choice-links a span{font-size:15px;font-weight:700}
.calc-direct-row{display:flex;align-items:center;gap:15px;justify-content:space-between;background:linear-gradient(100deg,#f5fafb,#f1f9f7);border:1px solid #d5e9e8;padding:13px 16px;border-radius:12px;margin-bottom:24px;color:#46687c}
.calc-direct-row>span{font-size:12px;line-height:1.5}
.calc-direct-row>span b{color:#224963}
.calc-direct-row a{display:inline-flex;align-items:center;gap:9px;white-space:nowrap;border-radius:9px;background:#116f77;color:white;padding:11px 15px;font-size:12px;font-weight:800}
.calc-direct-row a:hover{background:#11575f}
.check-tabs button:focus-visible,.header-actions a:focus-visible,.apply-choice a:focus-visible,.calc-direct-row a:focus-visible,.nav a:focus-visible{outline:3px solid #dfaa65;outline-offset:3px}
.closing-direct{background:#f8ecdc;color:#23485c;border-radius:10px;border:1px solid #e5d7c6}
.closing-direct:hover{background:#fff4e6}
.mobile-menu .mobile-direct{color:#0c5a68;font-weight:850;background:#e9f8f5;border-radius:9px;margin-top:10px}
@media(max-width:1300px){
 .head-inner{gap:13px}
 .nav{gap:13px}
 .nav a{font-size:11px}
 .header-actions{gap:6px}
 .header-apply{padding:0 10px;font-size:11px}
 .header-actions .header-cta{padding:14px 11px;font-size:11px}
 .apply-choice{flex-wrap:wrap}
 .apply-choice-links{margin-left:62px;justify-content:flex-start}
}
@media(max-width:1050px){
 .header-actions .header-cta{display:none}
 .header-actions{margin-left:auto}
 .menu-toggle{margin-left:7px}
 .apply-choice-links{margin-left:0}
}
@media(max-width:760px){
 .apply-choice{border-radius:15px;display:grid;grid-template-columns:40px 1fr;gap:11px;padding:18px 15px}
 .apply-choice-icon{width:40px;height:40px;min-width:40px}
 .apply-choice-text{min-width:0}
 .apply-choice-text strong{font-size:14px}
 .apply-choice-links{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;margin-top:6px}
 .apply-choice-links a{white-space:normal;justify-content:space-between}
 .calc-direct-row{align-items:stretch;flex-direction:column}
 .calc-direct-row a{width:100%;justify-content:center;white-space:normal}
 .header-apply{min-height:40px}
 .hero-actions{gap:11px}
}
@media(max-width:420px){
 .head-inner{gap:7px}
 .header-apply{padding:0 9px;font-size:10px}
 .header-apply span{display:none}
 .menu-toggle{margin-left:0}
 .apply-choice-links a{font-size:10px;padding:10px}
 .closing-direct{width:100%}
}

/* V9: bank-grade responsive adaptation of the original design; NO second mobile website. */
.m-calc-tools,.m-inline-direct,.m-more-finance{display:none}
@media (max-width:760px){
  html{scroll-behavior:smooth;scroll-padding-top:72px}
  body{padding:0!important;overflow-x:clip;background:#fff}
  .wrap,.check-section .wrap{width:calc(100% - 36px)!important;max-width:100%!important}
  .beta-notice,.utility{display:none!important}
  .header{top:0;z-index:90!important;background:#fff;border-bottom:1px solid #e7edf3;box-shadow:0 5px 22px rgba(16,47,77,.07)}
  .head-inner{height:68px!important;gap:10px!important}
  .brand{min-width:0!important}
  .brand-name{font-size:25px!important;letter-spacing:-.06em!important}
  .brand-claim{font-size:9px!important}
  .header-actions{display:none!important}
  .menu-toggle{display:flex!important;flex-direction:column;align-items:center;justify-content:center;gap:0;width:44px;height:44px;min-width:44px;margin:0 0 0 auto!important;background:#f2f6f9!important;border:1px solid #dce6ec!important;border-radius:11px!important}
  .menu-toggle span{width:21px;height:2px;margin:3px 0!important;border-radius:4px;background:#173b56!important}
  .mobile-menu:not([hidden]){display:flex!important;position:absolute;top:68px;left:0;right:0;flex-direction:column;max-height:calc(100dvh - 68px);overflow:auto;padding:12px 19px 21px!important;background:#fff;box-shadow:0 18px 30px rgba(13,45,67,.14);z-index:95}
  .mobile-menu:not([hidden]) a{min-height:47px!important;padding:13px 12px!important;font-weight:750!important;font-size:13px!important;border-bottom:1px solid #edf1f5!important}
  .mobile-menu:not([hidden]) .mobile-direct{border-bottom:0!important;background:#e9f6f4!important;margin:12px 0 0!important;text-align:center;justify-content:center}
  .hero{padding:25px 0 27px!important;background:linear-gradient(145deg,#f3f8fc,#fff 78%)!important}
  .hero:before{display:none}
  .hero-layout{display:flex!important;flex-direction:column!important;gap:17px!important}
  .hero-copy{min-height:0!important;padding:0!important;display:flex!important;flex-direction:column!important}
  .hero .eyebrow{font-size:10px!important;letter-spacing:.13em;margin:0 0 10px!important}
  .hero h1{font-size:clamp(33px,8.8vw,42px)!important;line-height:1.13!important;letter-spacing:-.055em!important;margin:0 0 11px!important}
  .hero-copy>p{font-size:13px!important;line-height:1.55!important;color:#5f788b!important;margin:0 0 12px!important;max-width:520px!important;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
  .hero-checks{display:flex!important;flex-wrap:wrap!important;gap:6px 12px!important;margin:0!important}
  .hero-checks>span{font-size:10px!important;line-height:1.35!important;display:flex!important;align-items:flex-start}
  .hero-checks>span:nth-child(2){display:none!important}
  .hero-actions{display:grid!important;grid-template-columns:1fr 1fr!important;gap:8px!important;margin:16px 0 0!important;width:100%}
  .hero-actions .btn{display:flex!important;justify-content:center;align-items:center;min-height:48px!important;padding:10px 7px!important;font-size:12px!important;line-height:1.4!important;text-align:center!important;white-space:normal!important;width:100%!important;gap:5px!important}
  .hero-actions .btn span{font-size:13px!important}
  .hero-shortcuts,.hero-navigation{display:none!important}
  .hero-media{height:202px!important;min-height:202px!important;margin:0!important;border-radius:13px!important;box-shadow:0 12px 30px rgba(22,64,87,.09)!important}
  .hero-media img{width:100%;height:100%;object-fit:cover;object-position:center 42%}
  .hero-media .photo-overlay{left:10px!important;right:auto!important;bottom:10px!important;max-width:245px!important;padding:11px 13px!important;border-radius:9px!important}
  .photo-overlay .small-label{font-size:8px!important;margin-bottom:3px}
  .photo-overlay strong{font-size:11px!important;line-height:1.4!important}
  .photo-index{display:none!important}
  .trust{display:none!important}
  .check-section{padding:35px 0 44px!important;background:#fff!important}
  .check-top{display:block!important;margin:0 0 21px!important}
  .check-top .section-kicker{font-size:10px!important;color:#1d8096!important;letter-spacing:.12em!important}
  .check-top h2{font-size:clamp(25px,7.2vw,33px)!important;letter-spacing:-.047em!important;line-height:1.2!important;margin:0 0 9px!important}
  .check-top p{font-size:12px!important;line-height:1.55!important;color:#667d8d!important;margin:0!important}
  .check-top-side,.check-benefits,.apply-choice{display:none!important}
  .check-card{border:0!important;box-shadow:none!important;overflow:visible!important;border-radius:0!important;background:transparent!important}
  .check-card:before{display:none!important}
  .check-tabs{padding:0!important;display:flex!important;flex-direction:column!important;gap:9px!important;background:none!important;box-shadow:none!important}
  .check-tab{min-height:70px!important;display:flex!important;align-items:center!important;gap:13px!important;border:1px solid #dce8ef!important;border-radius:11px!important;background:#fff!important;box-shadow:0 3px 14px rgba(24,65,96,.035)!important;padding:10px 14px!important;text-align:left!important;color:#193f5b!important}
  .check-tab:after{display:none!important}
  .check-tab .tab-icon{width:43px!important;height:43px!important;min-width:43px!important;display:grid!important;place-items:center!important;font-size:23px!important;border-radius:12px!important}
  .check-tab .tab-text{display:flex!important;flex-direction:column!important;gap:4px!important;align-items:flex-start!important;min-width:0}
  .check-tab .tab-text strong{font-size:14px!important;line-height:1.2!important}
  .check-tab .tab-text small{display:block!important;font-size:11px!important;color:#738b9a!important}
  .check-tab[data-target="personal"]{box-shadow:inset 3px 0 0 #277bb1,0 4px 16px rgba(24,65,96,.035)!important}
  .check-tab[data-target="refi"]{box-shadow:inset 3px 0 0 #16988d,0 4px 16px rgba(24,65,96,.035)!important}
  .check-tab[data-target="home"]{box-shadow:inset 3px 0 0 #db9b4e,0 4px 16px rgba(24,65,96,.035)!important}
  .check-tab[data-target="ksv"]{box-shadow:inset 3px 0 0 #927dbe,0 4px 16px rgba(24,65,96,.035)!important}
  .check-tab.selected,.check-tab[data-target="home"].selected,.check-tab[data-target="refi"].selected,.check-tab[data-target="ksv"].selected{background:#f4f9fd!important;border:1.5px solid #80adc7!important}
  .check-tab:focus-visible{outline:3px solid #e6ae69!important}
  .m-inline-direct{display:flex!important;align-items:center;justify-content:space-between;gap:10px;margin:13px 0 0;padding:13px 15px;border:1px solid #d0e7e7;border-radius:11px;background:linear-gradient(110deg,#f0f8f8,#f9fcfd)}
  .m-inline-direct>span{font-size:11px;font-weight:700;color:#506f80}
  body.m-calculator-open .m-inline-direct{display:none!important}
  .m-inline-direct a{font-size:12px;font-weight:850;color:#106a74;text-align:right;line-height:1.35}
  .check-body{display:none!important;padding:0!important}
  body.m-calculator-open .check-body{display:block!important}
  .m-calc-tools{display:flex!important;align-items:center;justify-content:space-between;gap:10px;margin:23px 0 15px;padding:10px 0 13px;border-bottom:1px solid #e0e9f0}
  body:not(.m-calculator-open) .m-calc-tools{display:none!important}
  .m-calc-tools-label{font-size:10px;letter-spacing:.08em;font-weight:850;color:#51849a;text-transform:uppercase}
  #m-calc-close{font-size:12px;font-weight:850;color:#146e82;background:#e8f5f6;padding:9px 12px;border:0;border-radius:9px;cursor:pointer}
  .form-lead{margin:0 0 13px!important;padding:0 0 13px!important}
  .form-lead h3{font-size:clamp(22px,6vw,28px)!important;margin:0 0 8px!important;line-height:1.21!important}
  .form-lead p{font-size:12px!important;line-height:1.58!important;color:#658091!important}
  .calc-stage{display:flex!important;flex-direction:column!important;gap:15px!important}
  .calc-main{order:2;width:100%}
  .calc-aside{order:1;display:block!important;width:100%;margin:0!important;padding:15px!important;background:linear-gradient(115deg,#164561,#197989)!important;box-shadow:none!important;border-radius:11px!important}
  .calc-aside .aside-art,.calc-aside .aside-eyebrow,.calc-aside h4,.calc-aside>p,.calc-aside>ol,.calc-aside .aside-info{display:none!important}
  .calc-aside .calc-live{margin:0!important;padding:0!important;border:0!important;background:none!important;box-shadow:none!important}
  .calc-live-caption{font-size:9px!important;margin-bottom:7px!important}
  .calc-live>small{font-size:11px!important;margin-bottom:5px!important}
  .calc-live-value{font-size:30px!important}
  .calc-live-track{height:4px!important;margin:10px 0 8px!important}
  .calc-live-hint{font-size:10px!important;line-height:1.5!important}
  .calc-direct-row{display:none!important}
  .form-grid{gap:11px!important}
  .input-group{padding:15px 13px!important;margin:0!important;border:1px solid #e0eaf2!important;border-radius:11px!important}
  .group-heading{font-size:10px!important;margin-bottom:12px!important}
  .input-fields,#home-form .input-fields,#home-form .input-group:first-child .input-fields,#refi-form .input-group:last-of-type .input-fields{display:grid!important;grid-template-columns:minmax(0,1fr)!important;gap:14px!important}
  .form-grid label{font-size:13px!important;gap:7px!important}
  .form-grid input,.form-grid select{font-size:16px!important;height:54px!important;border-radius:9px!important;padding:0 14px!important}
  .submit-zone{display:flex!important;flex-direction:column!important;gap:12px!important;padding:7px 0!important}
  .submit-zone .form-submit{width:100%!important;min-width:0!important;margin:0!important}
  .submit-zone .btn{width:100%!important;min-height:53px!important;font-size:13px!important}
  .submit-help b{font-size:12px}
  .submit-help small{font-size:10px}
  .calc-note{margin-top:14px!important;font-size:10px!important;line-height:1.6!important}
  .result{margin-top:16px!important}
  .result-grid{grid-template-columns:minmax(0,1fr)!important;gap:9px!important}
  .result-cell,.result-cell:first-child{min-height:75px!important;grid-column:auto!important;padding:14px!important}
  .result-cell strong{font-size:23px!important}
  .result-cell:first-child strong{font-size:30px!important}
  .result-head{padding:16px!important}
  .result-cta{display:flex!important;text-align:center;justify-content:center;white-space:normal!important;margin:15px!important}
  .check-next,.check-footer{display:none!important}
  .services{display:none!important}
  .m-more-finance{display:block!important;background:#f4f8fc;padding:25px 18px 27px;border-top:1px solid #e6eef5}
  .m-more-finance>div:first-child{display:flex;flex-direction:column;gap:6px}
  .m-more-finance>div:first-child span{font-size:10px;letter-spacing:.1em;color:#26859e;font-weight:850}
  .m-more-finance strong{font-family:'Manrope',Arial,sans-serif;font-size:18px;color:#193b56}
  .m-more-links{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-top:15px}
  .m-more-links a{display:flex;justify-content:space-between;align-items:center;min-height:48px;padding:10px 13px;border:1px solid #d6e5ee;background:white;border-radius:9px;color:#1c5574;font-size:12px;font-weight:800}
  .section-space{padding:44px 0!important}
  .section-kicker{font-size:10px!important;letter-spacing:.12em!important}
  .realty-layout,.finbot-layout,.ksv-layout,.partners-layout,.faq-layout{display:flex!important;flex-direction:column!important;gap:23px!important}
  .realty-visual{height:215px!important;min-height:215px!important;width:100%!important;margin:0!important;border-radius:12px!important}
  .realty-visual img{width:100%;height:100%;object-fit:cover}
  .realty-stamp{padding:11px!important;right:8px!important;left:auto!important;bottom:8px!important;min-width:0!important;border-radius:8px!important}
  .realty-stamp span{font-size:8px!important}.realty-stamp strong{font-size:15px!important}.realty-stamp small{font-size:9px!important}
  .realty-copy h2,.finbot-copy h2,.ksv-copy h2{font-size:clamp(27px,7.8vw,36px)!important;line-height:1.16!important;letter-spacing:-.04em!important}
  .realty-copy p,.finbot-copy p,.ksv-copy p{font-size:12px!important;line-height:1.7!important}
  .realty-tags{margin:15px 0 8px!important;gap:7px!important}
  .realty-tags span{font-size:10px!important}
  .realty-list{margin:14px 0!important}
  .realty-list>div{padding:12px 0!important}
  .realty-copy .btn,.ksv-copy .btn{display:flex!important;justify-content:center;width:100%!important;min-height:49px!important}
  .inline-actions{display:flex;flex-direction:column;gap:8px!important}
  .finbot-flow{display:grid!important;grid-template-columns:1fr!important;gap:9px!important;padding:11px!important;margin:14px 0 20px!important}
  .finbot-flow>b{display:none!important}
  .finbot-flow>div strong{font-size:11px!important}
  .finbot-actions{display:flex!important;flex-direction:column!important;align-items:stretch!important;gap:9px!important}
  .finbot-actions .btn{width:100%!important;justify-content:center!important}
  .finbot-features{padding:15px 0 0!important;border:0!important;border-top:1px solid rgba(255,255,255,.18)!important}
  .finbot-features>div{padding:12px 0!important}
  .ksv-facts{gap:7px!important;margin:13px 0 16px!important}
  .ksv-facts span{font-size:10px!important;padding:8px 11px!important}
  .ksv-visual{height:230px!important;min-height:230px!important;margin:0!important}
  .ksv-callout{left:8px!important;min-width:0!important;padding:11px!important}
  .steps,.partners,.closing{display:none!important}
  .guide{padding:42px 0!important;background:#f4f8fc!important}
  .guide .section-heading{margin-bottom:20px!important}
  .guide .section-heading h2{font-size:28px!important}
  .guide .section-heading p{margin:8px 0 0!important;font-size:12px!important}
  .guide-grid{display:grid!important;grid-template-columns:1fr!important;gap:9px!important}
  .guide-grid a{min-height:0!important;padding:16px!important;border-radius:11px!important}
  .guide-grid h3{font-size:15px!important;margin:5px 0!important}
  .guide-grid p{font-size:11px!important;margin:0 0 9px!important;line-height:1.5!important}
  .guide-grid b{font-size:11px!important}
  .faq{padding:40px 0!important}
  .faq-layout{gap:14px!important}
  .faq h2{font-size:28px!important}
  .faq p{font-size:12px!important}
  .faq details{padding:14px 0!important}
  .footer-main{grid-template-columns:1fr 1fr!important;gap:22px!important;padding:30px 0!important}
  .footer-main>div:first-child{grid-column:1/-1!important}
  .footer-main a{font-size:11px!important;overflow-wrap:anywhere}
  .footer-bottom{padding:12px 0!important;font-size:10px!important;flex-wrap:wrap!important}
  #privatkredit,#kreditcheck,#immobilien,#finbot,#ksv,#wissen{scroll-margin-top:72px}
}
@media(max-width:350px){
  .wrap,.check-section .wrap{width:calc(100% - 28px)!important}
  .hero h1{font-size:31px!important}
  .hero-media{height:174px!important;min-height:174px!important}
  .hero-actions .btn{font-size:11px!important}
  .check-tab{padding:9px 10px!important}
  .check-tab .tab-icon{min-width:38px!important;width:38px!important;height:38px!important}
  .m-inline-direct{flex-direction:column;align-items:flex-start!important}
}
@media(min-width:761px) and (max-width:900px){
  .utility-right{display:none!important}
  .utility-inner{justify-content:center!important}
}

/* V10 – mobile slider and always visible live credit result */
@media(max-width:760px){
  .hero-navigation{display:flex!important;align-items:center!important;gap:9px!important;justify-content:flex-start!important;order:5!important;margin:12px 0 0!important;padding:0!important;min-height:38px!important}
  .hero-layout{gap:11px!important}
  .hero-copy{display:flex!important;flex-direction:column!important}
  .hero-navigation .hero-counter{display:flex!important;align-items:center!important;gap:5px!important;font-size:11px!important;color:#27536b!important;font-weight:850!important;margin-right:4px}
  .hero-navigation .hero-counter b{font-size:15px!important}
  .hero-navigation .hero-counter span{font-size:11px!important;color:#8ba3b1!important}
  .hero-navigation .hero-progress{display:flex!important;gap:4px!important;flex:1!important;align-items:center!important;max-width:110px}
  .hero-navigation .hero-progress .prog{height:4px!important;width:23px!important;min-width:14px!important;border-radius:5px!important;border:0!important;background:#d9e5ea!important;padding:0!important}
  .hero-navigation .hero-progress .prog.active{background:#128a9c!important}
  .hero-navigation .slide-arrow{display:grid!important;place-items:center!important;width:37px!important;height:37px!important;min-width:37px!important;margin:0!important;background:#fff!important;border:1px solid #d4e3ec!important;border-radius:10px!important;color:#1b536d!important;font-size:17px!important;padding:0!important}
  .hero-navigation .slide-arrow:first-of-type{margin-left:auto!important}
  .hero-media{height:195px!important;min-height:195px!important}
  .hero-copy>p{-webkit-line-clamp:4!important}
  .hero h1{min-height:76px!important}
  .check-section .check-top p{font-size:12px!important}
  body.m-calculator-open .check-tabs{display:none!important}
  body.m-calculator-open .m-calc-tools{position:relative;margin:4px 0 14px!important;border:0!important;border-bottom:1px solid #e1ebf1!important;padding:8px 0 14px!important}
  body.m-calculator-open .check-card:before{display:none!important}
  body.m-calculator-open .calc-stage{display:block!important}
  body.m-calculator-open .calc-aside{display:none!important}
  body.m-calculator-open .calc-main{display:block!important}
  body.m-calculator-open .form-lead{margin:17px 0 15px!important}
  body.m-calculator-open .form-lead .form-step-label{font-size:9px!important;padding:6px 9px!important}
  body.m-calculator-open .form-lead h3{font-size:23px!important}
  .m-result-card{display:none}
  body.m-calculator-open .m-result-card{
   position:sticky;top:75px;z-index:70;display:block!important;
   background:linear-gradient(128deg,#123d5c 0%,#0b6271 100%);color:#fff;
   border:1px solid #2f8291;border-radius:13px;padding:14px 16px 12px;
   box-shadow:0 9px 28px rgba(11,56,85,.17);
   margin-bottom:14px;
  }
  .m-result-card[data-type=refi]{background:linear-gradient(125deg,#10445c,#157e7c)}
  .m-result-card[data-type=home]{background:linear-gradient(125deg,#163e5f,#386c80)}
  .m-result-heading{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:11px}
  .m-result-heading span{font-size:9px!important;letter-spacing:.1em!important;font-weight:850!important;color:#b8e6e5!important}
  .m-result-heading span:last-child{font-size:8px!important;color:#c4e1e7!important;white-space:nowrap!important}
  .m-result-heading i{display:inline-block;width:7px;height:7px;border-radius:100%;background:#7de0c7;box-shadow:0 0 0 3px rgba(125,224,199,.17);margin-right:6px}
  .m-result-columns{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:9px}
  .m-result-columns>div{min-width:0}
  .m-result-primary{padding-right:8px;border-right:1px solid rgba(255,255,255,.17)}
  .m-result-columns small{display:block;color:#d0e8ec;font-size:10px!important;font-weight:600!important;margin:0 0 6px!important;line-height:1.35}
  .m-result-primary strong{display:block;font-size:clamp(23px,7vw,30px)!important;letter-spacing:-.035em!important;line-height:1.12!important;color:#fff!important;overflow-wrap:anywhere}
  .m-result-secondary strong{display:block;font-size:clamp(16px,5vw,21px)!important;line-height:1.16!important;color:#fff!important;overflow-wrap:anywhere}
  .m-result-note{margin:11px 0 0;font-size:10px;color:#c3e2e9;line-height:1.55}
  .m-result-more{margin-top:10px;display:flex;gap:6px;flex-direction:column}
  .m-result-more[hidden]{display:none!important}
  .m-result-more div{display:flex;align-items:center;justify-content:space-between;gap:10px;border-top:1px solid rgba(255,255,255,.17);padding-top:8px}
  .m-result-more small{font-size:10px;color:#c9e5e9;line-height:1.4}
  .m-result-more strong{font-size:12px;color:#fff;line-height:1.4}
  #m-result-details{margin-top:11px;display:flex;align-items:center;justify-content:space-between;gap:10px;font-size:11px;color:#fff;font-weight:800;background:none;border:0;border-top:1px solid rgba(255,255,255,.2);padding:9px 0 0;width:100%;text-align:left;cursor:pointer}
  #m-result-details:focus-visible{outline:2px solid #fae5b7;outline-offset:2px}
  body.m-calculator-open .calc-main .result{display:none!important}
  body.m-calculator-open.m-show-result-details .calc-main .result{display:block!important}
  body.m-calculator-open.m-show-result-details .m-result-card{position:relative!important;top:auto!important}
  body.m-calculator-open .calc-main .result[hidden]{display:none!important}
  .check-body .form-grid .form-submit{padding-top:2px!important}
  .check-body .form-grid .form-submit .btn.primary{min-height:50px!important}
  .check-body .form-grid .form-submit .btn.primary:focus-visible{outline:2px solid #dfb47c!important}
}
@media(max-width:350px){
 body.m-calculator-open .m-result-card{padding:12px!important;top:73px!important}
 .m-result-heading span{font-size:8px!important}
 .m-result-heading span:last-child{font-size:7px!important}
 .hero-navigation{gap:6px!important}
}
@media(prefers-reduced-motion:reduce){.hero-navigation *{transition:none!important}}

/* V11 mobile UX: show the next action immediately after a real calculation */
@media(max-width:760px){
 .m-result-next{margin:13px 0 0;border-top:1px solid rgba(255,255,255,.2);padding-top:12px;display:block}
 .m-result-next[hidden]{display:none!important}
 .m-result-next-eyebrow{display:block;color:#a7e8e2;font-size:9px;letter-spacing:.11em;font-weight:850;margin-bottom:9px}
 .m-result-apply{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:51px;padding:12px 15px;border-radius:10px;background:#fff;color:#0e5971!important;font-size:13px;font-weight:850;text-align:left;box-shadow:0 7px 20px rgba(6,36,51,.12)}
 .m-result-apply span{font-size:19px}
 .m-result-apply:focus-visible{outline:3px solid #e9b56c;outline-offset:3px}
 .m-result-next small{display:block;margin-top:8px;color:#d1e5ea;font-size:10px;line-height:1.45}
 .m-result-card #m-result-details{font-size:10px;margin-top:9px;color:#d2edf0!important}
 body.m-calculator-open .m-result-card.m-result-emphasis{animation:m-result-glow 1.1s ease-out 1}
 @keyframes m-result-glow{
  0%{box-shadow:0 0 0 0 rgba(238,173,79,.9),0 9px 28px rgba(11,56,85,.17)}
  35%{box-shadow:0 0 0 5px rgba(238,173,79,.55),0 9px 28px rgba(11,56,85,.17)}
  100%{box-shadow:0 0 0 0 rgba(238,173,79,0),0 9px 28px rgba(11,56,85,.17)}
 }
}
@media(prefers-reduced-motion:reduce){body.m-calculator-open .m-result-card.m-result-emphasis{animation:none}}

/* These are mobile-only controls and must never appear on desktop/tablet. */
@media(min-width:761px){.m-mini-preview,.m-edit-error,.m-result-card{display:none!important}}
/* V12: Real mobile flow. Edit and result are separate states, not layered surfaces. */
@media(max-width:760px){
 body.m-calculator-open:not(.m-result-mode) .m-result-card{display:none!important;position:static!important;top:auto!important}
 body.m-calculator-open:not(.m-result-mode) .m-mini-preview{display:block!important}
 .m-mini-preview{display:none;margin:16px 0 14px;border:1px solid #cee5eb;border-left:4px solid #1d8b9e;background:#f4fafb;border-radius:11px;padding:13px 15px;color:#224c65}
 .m-mini-preview>div{display:flex;align-items:center;justify-content:space-between;gap:10px}
 .m-mini-preview small{font-size:9px;font-weight:850;letter-spacing:.055em;color:#547b90;line-height:1.4}
 .m-mini-preview strong{font-family:'Manrope',Arial,sans-serif;font-size:18px;line-height:1.2;color:#105c7c;white-space:nowrap}
 .m-mini-preview>span{font-size:10px;color:#6a8796;line-height:1.45;margin-top:5px;display:block}
 .m-edit-error[hidden]{display:none!important}
 .m-edit-error{display:block;background:#fff3ed;color:#924b37;border:1px solid #f4cdc0;border-radius:10px;padding:12px 13px;margin:10px 0 14px;font-size:12px;line-height:1.5}
 body.m-calculator-open:not(.m-result-mode) .check-body{display:block!important}
 body.m-calculator-open.m-result-mode .check-body{display:block!important}
 body.m-calculator-open.m-result-mode .check-top,
 body.m-calculator-open.m-result-mode .check-tabs,
 body.m-calculator-open.m-result-mode .m-calc-tools,
 body.m-calculator-open.m-result-mode .m-inline-direct,
 body.m-calculator-open.m-result-mode .calc-stage,
 body.m-calculator-open.m-result-mode .check-panel .form-lead,
 body.m-calculator-open.m-result-mode .m-mini-preview,
 body.m-calculator-open.m-result-mode .m-edit-error,
 body.m-calculator-open.m-result-mode .check-next,
 body.m-calculator-open.m-result-mode .check-footer{display:none!important}
 body.m-calculator-open.m-result-mode .check-section{padding-top:20px!important}
 body.m-calculator-open.m-result-mode .m-result-card{
   display:block!important;position:relative!important;top:auto!important;z-index:auto!important;
   margin:0 0 14px!important;padding:22px 18px 17px!important;
   border-radius:16px!important;box-shadow:0 18px 40px rgba(12,50,72,.13)!important;
 }
 body.m-calculator-open.m-result-mode .m-result-card .m-result-heading{margin-bottom:16px!important}
 body.m-calculator-open.m-result-mode .m-result-card .m-result-primary strong{font-size:clamp(29px,9vw,38px)!important}
 body.m-calculator-open.m-result-mode .m-result-card .m-result-secondary strong{font-size:clamp(19px,6vw,26px)!important}
 body.m-calculator-open.m-result-mode .m-result-card #m-result-details{display:none!important}
 body.m-calculator-open.m-result-mode .m-result-card .m-result-note{font-size:11px!important;line-height:1.6!important}
 body.m-calculator-open.m-result-mode .m-result-next{margin-top:17px!important;padding-top:17px!important}
 body.m-calculator-open.m-result-mode .m-result-apply{min-height:55px!important;font-size:14px!important;line-height:1.35!important;text-align:left!important}
 .m-result-edit{display:flex;align-items:center;justify-content:center;gap:9px;width:100%;margin-top:12px;padding:13px 15px;border:1px solid rgba(231,249,251,.5);border-radius:10px;background:rgba(255,255,255,.08);color:#fff;font-size:13px;font-weight:800;min-height:47px;cursor:pointer}
 .m-result-edit:focus-visible{outline:3px solid #e8b76f;outline-offset:2px}
 .m-result-edit>span{font-size:17px}
 body.m-calculator-open.m-result-mode .m-result-card.m-result-emphasis{animation:none!important}
 .m-result-more{margin-top:12px!important}
 .m-result-more div{padding-top:11px!important}
 .check-body .form-grid button[type=submit]{min-height:54px!important;font-size:14px!important}
}
@media(max-width:350px){
 .m-mini-preview>div{align-items:flex-start;flex-direction:column;gap:5px}
 body.m-calculator-open.m-result-mode .m-result-card{padding:19px 14px!important}
}


/* V13 - one-column input -> result flow, persistent product switching */
@media(max-width:760px){
  body.m-calculator-open .check-tabs,
  body.m-calculator-open.m-result-ready .check-tabs{
   display:grid!important;grid-template-columns:repeat(2,minmax(0,1fr))!important;
   gap:8px!important;margin-bottom:15px!important;
  }
  body.m-calculator-open .check-tab{
   min-width:0!important;min-height:62px!important;padding:9px 10px!important;
   gap:7px!important;text-align:left!important;
  }
  body.m-calculator-open .check-tab .tab-icon{
   width:30px!important;height:30px!important;min-width:30px!important;
   border-radius:9px!important;font-size:17px!important;
  }
  body.m-calculator-open .check-tab .tab-text strong{
   font-size:12px!important;line-height:1.2!important;
  }
  body.m-calculator-open .check-tab .tab-text small{display:none!important}
  body.m-calculator-open .m-calc-tools{display:flex!important;margin:10px 0 15px!important}
  body.m-calculator-open .check-body{display:block!important}
  body.m-calculator-open .check-panel.active{display:block!important}
  body.m-calculator-open .check-panel:not(.active){display:none!important}
  body.m-calculator-open .check-panel .form-lead{display:block!important}
  body.m-calculator-open .check-panel .calc-stage{display:block!important}
  body.m-calculator-open .check-panel .calc-main{display:block!important}
  body.m-calculator-open .calc-aside{display:none!important}
  body.m-calculator-open .m-mini-preview{display:none!important}
  body.m-calculator-open .m-result-card{
    display:none!important;position:static!important;top:auto!important;z-index:auto!important;
    margin:19px 0 14px!important;transform:none!important;animation:none!important;
  }
  body.m-calculator-open.m-result-ready .check-panel.active>.m-result-card{
    display:block!important;position:relative!important;top:auto!important;
    padding:19px 15px 15px!important;margin:20px 0 16px!important;
    border-radius:15px!important;box-shadow:0 15px 36px rgba(13,60,83,.12)!important;
  }
  body.m-calculator-open .check-panel .calc-main .result{display:none!important}
  body.m-calculator-open .m-result-card #m-result-details{display:none!important}
  body.m-calculator-open .m-result-next{margin-top:15px!important}
  body.m-calculator-open .m-result-card .m-result-edit{
    display:flex!important;margin-top:11px!important;
  }
  body.m-calculator-open .m-result-note{font-size:10px!important}
  body.m-calculator-open .m-result-more{margin-top:9px!important}
  .m-other-financing{
    margin:18px -15px -15px;padding:18px 15px 17px;
    background:#f2f8fb;color:#16445d;border-radius:0 0 13px 13px;
    border-top:1px solid #d9e8ee;
  }
  .m-other-financing-title{font-size:10px;font-weight:850;letter-spacing:.08em;color:#4b7890;margin-bottom:11px}
  .m-other-financing-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px}
  .m-other-financing-grid button{
    font-size:11px;font-weight:800;color:#20516e;
    display:flex;justify-content:space-between;align-items:center;gap:7px;
    min-height:45px;padding:10px;border:1px solid #c8dce7;
    background:#fff;border-radius:9px;text-align:left;cursor:pointer;
  }
  .m-other-financing-grid button[hidden]{display:none!important}
  .m-other-financing-grid button:focus-visible{outline:3px solid #e6ad65;outline-offset:2px}
  .m-other-financing-grid button span{font-size:16px}
  body.m-calculator-open .m-edit-error{margin:12px 0!important}
  body.m-calculator-open .m-inline-direct{display:flex!important}
  body.m-calculator-open .check-panel .input-group{margin-bottom:0!important}
}
@media(max-width:355px){
 .m-other-financing-grid{grid-template-columns:1fr}
 body.m-calculator-open .check-tab .tab-text strong{font-size:11px!important}
}

/* Mortgage public-rate slider only within the home financing calculator */
.mortgage-rate-section{min-width:0;border:1px solid #cfe0eb;background:linear-gradient(135deg,#f2f8fc,#f9fcfd);border-radius:15px;padding:22px 22px 18px;overflow:hidden}
.mortgage-rate-head{display:flex;align-items:start;justify-content:space-between;gap:15px;margin-bottom:15px}
.mortgage-kicker{font-size:10px;letter-spacing:.11em;font-weight:850;color:#167f96}
.mortgage-rate-head h4{font-size:22px;font-family:'Manrope',Arial,sans-serif;margin:5px 0 5px;color:#153d57;letter-spacing:-.02em}
.mortgage-rate-head p{font-size:12px;line-height:1.55;color:#678090;margin:0;max-width:530px}
.mortgage-date{font-size:10px;line-height:1.4;color:#557489;background:white;border:1px solid #dce8f0;border-radius:7px;padding:8px 10px;flex:0 0 auto}
.mortgage-categories{display:flex;gap:7px;flex-wrap:wrap;margin-bottom:15px}
.mortgage-cat{border-radius:999px;padding:9px 15px;background:white;border:1px solid #cedfe7;color:#42677c;font-size:12px;font-weight:800;cursor:pointer}
.mortgage-cat.active,.mortgage-cat[aria-pressed=true]{background:#145d79;color:white;border-color:#145d79}
.mortgage-track-container{display:flex;align-items:center;gap:8px;min-width:0}
.mortgage-scroll{width:32px;height:42px;min-width:32px;border:1px solid #d1e1e9;background:#fff;color:#1e6983;border-radius:8px;font-size:24px;cursor:pointer}
.mortgage-offers{display:flex;gap:10px;min-width:0;flex:1;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:thin;padding:3px 2px 10px}
.mortgage-offer{display:flex;flex-direction:column;align-items:flex-start;gap:8px;text-align:left;min-width:155px;width:180px;max-width:180px;flex:0 0 auto;min-height:143px;padding:15px;border:1px solid #dce8f0;border-radius:12px;background:#fff;scroll-snap-align:start;color:#1a4560;cursor:pointer}
.mortgage-offer strong{font-family:'Manrope',Arial,sans-serif;color:#165477;font-size:27px;letter-spacing:-.05em;line-height:1.1}
.mortgage-offer>span{font-weight:850;color:#345f79;font-size:13px}
.mortgage-offer>small{font-size:10px;color:#697e8d;line-height:1.45}
.mortgage-offer.selected{border:2px solid #158f9d;padding:14px;background:#eafbfa;box-shadow:0 8px 18px rgba(30,136,146,.1)}
.mortgage-offer.selected strong{color:#0a6d78}
.mortgage-selected{font-size:12px;font-weight:750;line-height:1.6;margin-top:8px;color:#164e64}
.mortgage-legal{font-size:10px;line-height:1.6;color:#5d7786;margin-top:13px;padding-top:11px;border-top:1px solid #dce8ef}
.mortgage-legal a{color:#126b86;text-decoration:underline}
.mortgage-offer:focus-visible,.mortgage-cat:focus-visible{outline:3px solid #dcac6a;outline-offset:2px}
@media(max-width:760px){
 .mortgage-rate-section{padding:17px 13px 15px;border-radius:12px}
 .mortgage-rate-head{display:block}
 .mortgage-rate-head h4{font-size:20px;margin-bottom:8px}
 .mortgage-rate-head p{font-size:11px}
 .mortgage-date{display:inline-block;margin-top:11px;padding:7px 9px;font-size:10px}
 .mortgage-categories{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:5px}
 .mortgage-cat{font-size:10px;min-height:40px;border-radius:9px;padding:7px 4px}
 .mortgage-scroll{display:none}
 .mortgage-offers{width:100%;flex:1;overscroll-behavior-x:contain;-webkit-overflow-scrolling:touch;gap:9px}
 .mortgage-offer{width:170px;min-width:170px;max-width:170px;min-height:138px;padding:12px}
 .mortgage-offer.selected{padding:11px}
 .mortgage-offer strong{font-size:24px}
 .mortgage-offer>span{font-size:12px}
 .mortgage-selected{font-size:11px}
 .mortgage-legal{font-size:10px}
}
@media(max-width:355px){.mortgage-offer{width:148px;min-width:148px}.mortgage-cat{font-size:9px}}

/* V15: visible 3-row comparison (no category selector, no hidden offers) */
.mortgage-showcase{background:linear-gradient(145deg,#f2f7fb 0%,#fff 55%);border-top:1px solid #e5ecf2;border-bottom:1px solid #e2ecf1;padding:52px 0 43px;scroll-margin-top:82px}
.mortgage-showcase-head{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;margin-bottom:24px}
.mortgage-showcase-head h2{font-family:'Manrope',Arial,sans-serif;font-size:clamp(29px,3vw,40px);line-height:1.12;letter-spacing:-.05em;color:#123d56;margin:10px 0 10px}
.mortgage-showcase-head h2 em{font-style:normal;color:#168493}
.mortgage-showcase-head p{max-width:650px;font-size:13px;line-height:1.65;color:#627e8f;margin:0}
.mortgage-showcase .mortgage-date{white-space:normal;max-width:210px}
.mortgage-overview{display:flex;flex-direction:column;gap:16px}
.mortgage-row{border:1px solid #dce8ef;border-radius:16px;background:#fff;padding:19px 20px 15px;box-shadow:0 9px 22px rgba(20,65,83,.05);min-width:0}
.mortgage-row-heading{display:flex;align-items:center;gap:11px;margin-bottom:15px}
.mortgage-row-icon{display:grid;place-items:center;background:#edf6f9;color:#146178;width:42px;height:42px;border-radius:10px;font-size:21px;flex-shrink:0}
.mortgage-row-heading>div{min-width:0;flex:1}
.mortgage-row-heading h3{font-family:'Manrope',Arial,sans-serif;font-size:17px;line-height:1.28;color:#123d57;margin:0 0 3px}
.mortgage-row-heading small{font-size:11px;line-height:1.35;color:#6b8592}
.mortgage-count{font-size:10px;font-weight:850;color:#39768b;background:#eef7f9;border:1px solid #d6eaf0;padding:7px 9px;border-radius:8px;white-space:nowrap}
.mortgage-showcase .mortgage-offers{padding:5px 3px 12px;scrollbar-width:thin;scroll-padding-left:2px;overflow-x:auto;scroll-snap-type:x mandatory}
.mortgage-showcase .mortgage-offer{width:200px;max-width:200px;min-width:200px;min-height:173px;padding:17px 15px;gap:8px}
.mortgage-showcase .mortgage-offer strong{font-size:31px}
.mortgage-showcase .mortgage-offer>span{font-size:14px}
.mortgage-showcase .mortgage-offer>small{font-size:11px;line-height:1.43;flex:1}
.mortgage-showcase .mortgage-offer.selected{padding:16px 14px}
.mortgage-card-cta{margin-top:auto;font-size:10px;color:#148192;font-weight:850}
.mortgage-germany-warning{font-size:10px;line-height:1.5;color:#6c7e8e;padding:1px 37px 0;margin:5px 0 0}
.mortgage-showcase .mortgage-selected{font-size:12px;margin:15px 0 0;line-height:1.5}
.mortgage-showcase .mortgage-legal{font-size:11px;line-height:1.55;margin-top:12px}
.mortgage-bottom-action{display:flex;justify-content:flex-end;margin-top:15px}
.mortgage-bottom-action a{display:flex;align-items:center;justify-content:space-between;min-height:47px;gap:16px;background:#105f78;color:#fff;font-size:12px;font-weight:850;padding:12px 16px;border-radius:9px}
.mortgage-bottom-action a span{font-size:18px}
@media(max-width:760px){
 .mortgage-showcase{padding:32px 0 34px;scroll-margin-top:72px}
 .mortgage-showcase-head{display:block;margin-bottom:19px}
 .mortgage-showcase-head h2{font-size:28px;line-height:1.2}
 .mortgage-showcase-head p{font-size:12px;line-height:1.6}
 .mortgage-showcase .mortgage-date{margin-top:10px;font-size:10px}
 .mortgage-overview{gap:13px}
 .mortgage-row{border-radius:12px;padding:15px 12px 10px}
 .mortgage-row-heading{gap:9px;margin-bottom:12px}
 .mortgage-row-icon{width:34px;height:34px;font-size:17px}
 .mortgage-row-heading h3{font-size:14px}
 .mortgage-row-heading small{font-size:10px}
 .mortgage-count{font-size:9px;padding:6px}
 .mortgage-showcase .mortgage-scroll{display:none!important}
 .mortgage-showcase .mortgage-offers{width:100%;-webkit-overflow-scrolling:touch;touch-action:pan-x;gap:9px}
 .mortgage-showcase .mortgage-offer{width:163px;min-width:163px;max-width:163px;min-height:174px;padding:12px 11px}
 .mortgage-showcase .mortgage-offer.selected{padding:11px 10px}
 .mortgage-showcase .mortgage-offer strong{font-size:25px}
 .mortgage-showcase .mortgage-offer>span{font-size:12px}
 .mortgage-showcase .mortgage-offer>small{font-size:10px}
 .mortgage-card-cta{font-size:10px}
 .mortgage-germany-warning{padding:0 4px}
 .mortgage-bottom-action a{width:100%;min-height:50px}
 .mortgage-showcase .mortgage-legal{font-size:10px}
}
@media(max-width:350px){
 .mortgage-showcase .mortgage-offer{min-width:142px;width:142px;max-width:142px}
 .mortgage-showcase .mortgage-offer strong{font-size:24px}
 .mortgage-count{display:none}
}
@media(prefers-reduced-motion:reduce){.mortgage-showcase .mortgage-offers{scroll-behavior:auto!important}}

/* V16: single continuous marquee – replace V15's three visible horizontal lists */
.mortgage-showcase .mortgage-overview{display:none!important}
.k4y-ticker{width:100%;max-width:100%;min-width:0;overflow:hidden;border:1px solid #d7e7ee;border-radius:16px;background:linear-gradient(125deg,#f9fcfd,#edf6f9);box-shadow:0 12px 28px rgba(18,63,86,.055);padding:13px 0 11px}
.k4y-ticker-help{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:0 17px 12px}
.k4y-ticker-status{font-size:11px;color:#3b6d82;font-weight:800;display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.k4y-ticker-dot{display:inline-block;width:8px;height:8px;border-radius:50%;background:#158d91;box-shadow:0 0 0 3px #d6f3f0}
.k4y-ticker-mobile-hint{font-size:10px;color:#7893a0;font-weight:600}
.k4y-ticker-pause{border:1px solid #ccdee8;background:#fff;border-radius:9px;padding:8px 11px;font-size:11px;font-weight:800;color:#20516b;cursor:pointer;white-space:nowrap}
.k4y-ticker-pause:focus-visible,.k4y-ticker-card:focus-visible{outline:3px solid #dca463;outline-offset:3px}
.k4y-ticker-window{position:relative;overflow:hidden;max-width:100%;min-height:147px;mask-image:linear-gradient(to right,transparent,#000 3%,#000 97%,transparent);-webkit-mask-image:linear-gradient(to right,transparent,#000 3%,#000 97%,transparent)}
.k4y-ticker-track{display:flex;width:max-content;will-change:transform;animation:k4y-ticker-left var(--k4y-ticker-duration,70s) linear infinite}
.k4y-ticker.is-paused .k4y-ticker-track,.k4y-ticker:hover .k4y-ticker-track,.k4y-ticker:focus-within .k4y-ticker-track,.k4y-ticker.is-paused-touch .k4y-ticker-track{animation-play-state:paused}
.k4y-ticker-set{display:flex;flex:0 0 auto;gap:11px;align-items:stretch;padding-right:11px}
.k4y-ticker-section{flex:0 0 135px;border-radius:11px;border:1px solid #d1e1e8;display:flex;flex-direction:column;justify-content:center;gap:6px;padding:15px 13px;background:#e4eff4;color:#144760}
.k4y-ticker-section strong{font-size:12px;font-weight:850;line-height:1.28}
.k4y-ticker-section small{font-size:10px;line-height:1.45;color:#59788a}
.k4y-ticker-card{min-height:139px;flex:0 0 181px;display:flex;flex-direction:column;align-items:flex-start;gap:6px;border:1px solid #d7e5ec;border-radius:11px;background:#fff;color:#17455e;cursor:pointer;padding:12px 13px;text-align:left;box-shadow:0 5px 16px rgba(20,76,97,.045)}
.k4y-ticker-card:hover{border-color:#40a3ac;background:#f3fcfb}
.k4y-ticker-card[aria-pressed="true"]{background:#e7f8f6;border:2px solid #128695;padding:11px 12px}
.k4y-ticker-card strong{font-size:27px;font-family:'Manrope',Arial,sans-serif;letter-spacing:-.04em;line-height:1.1;color:#136881}
.k4y-ticker-card .k4y-ticker-term{font-size:12px;font-weight:850;line-height:1.4}
.k4y-ticker-card small{font-size:10px;line-height:1.35;color:#6a7e89;max-width:100%;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.k4y-ticker-card b{font-size:10px;color:#168893;margin-top:auto}
.k4y-ticker-hint{font-size:10px;color:#64808d;line-height:1.5;padding:10px 16px 0}
@keyframes k4y-ticker-left{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(max-width:760px){
 .k4y-ticker{border-radius:12px;padding:12px 0 10px}
 .k4y-ticker-help{padding:0 12px 11px}
 .k4y-ticker-status{font-size:10px;line-height:1.4}
 .k4y-ticker-mobile-hint{display:none}
 .k4y-ticker-pause{font-size:10px;padding:8px 9px}
 .k4y-ticker-window{min-height:135px;mask-image:none;-webkit-mask-image:none}
 .k4y-ticker-set{gap:8px;padding-right:8px}
 .k4y-ticker-section{flex-basis:111px;padding:11px}
 .k4y-ticker-section strong{font-size:11px}
 .k4y-ticker-card{flex-basis:164px;min-height:133px;padding:10px 11px}
 .k4y-ticker-card[aria-pressed="true"]{padding:9px 10px}
 .k4y-ticker-card strong{font-size:24px}
 .k4y-ticker-hint{padding:9px 12px 0}
}
@media(prefers-reduced-motion:reduce){
 .k4y-ticker-track{animation:none!important;transform:none!important}
 .k4y-ticker-window{overflow-x:auto!important;scrollbar-width:thin}
 .k4y-ticker .k4y-ticker-pause{display:none}
}


/* Beta language selector – identical language paths across desktop and mobile */
.k4y-beta-languages{display:flex;gap:2px;align-items:center;border:1px solid #dce7ec;background:#f2f7f9;padding:3px;border-radius:10px;flex:0 0 auto}
.k4y-beta-languages a{min-width:28px;padding:7px 6px;font-size:10px;font-weight:850;line-height:1.2;color:#315e78;text-align:center;text-decoration:none;border-radius:7px}
.k4y-beta-languages a.current{background:#0d5d79;color:white}
.k4y-beta-languages a:focus-visible{outline:2px solid #d8a56a;outline-offset:2px}
@media(max-width:760px){
 .head-inner{gap:7px!important}
 .k4y-beta-languages{padding:2px;gap:0}
 .k4y-beta-languages a{min-width:25px;padding:7px 3px;font-size:9px}
 .head-inner .brand{margin-right:auto}
}
@media(max-width:355px){
 .head-inner .brand-name{font-size:22px!important}
 .k4y-beta-languages a{min-width:22px;padding:6px 2px}
 .head-inner .menu-toggle{width:40px!important;min-width:40px!important}
}