:root{--fire-navy:#17345f;--fire-navy2:#12366f;--fire-purple:#5b247a;--fire-gold:#e9ad00;--fire-ink:#24344d;--fire-muted:#4f5c72;--fire-line:#dfe5ed;--fire-soft:#f5f7fa;--fire-max:1160px}
.fire-intro-grid.single{display:block}
.fire-intro-grid.single .fire-lead{max-width:100ch;line-height:1.7}
.fire-intro-copy{width:100%;padding:18px 22px;border:1px solid var(--fire-line);border-left:4px solid var(--fire-gold);border-radius:10px;background:#fff}
.fire-intro-grid.single .fire-intro-copy .fire-lead{max-width:none;width:100%}
@media(max-width:700px){.fire-intro-copy{padding:15px 16px}}
html{scroll-behavior:smooth}.fire-skip{position:absolute;left:-9999px}.fire-skip:focus{left:14px;top:14px;z-index:999;background:#fff;color:var(--fire-navy);padding:10px 14px;border:2px solid var(--fire-gold);border-radius:6px}#main-content{font-family:"Segoe UI",Arial,sans-serif;color:var(--fire-ink);font-size:15px;line-height:1.55;background:#fff}.fire-wrap,.fire-subnav-inner{width:min(calc(100% - 40px),var(--fire-max));margin:0 auto}.fire-intro{padding:38px 0 30px;background:linear-gradient(135deg,#f7f9fc 0%,#fff 62%,#faf7fb 100%);border-bottom:1px solid var(--fire-line)}.fire-intro-grid{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:44px;align-items:center}.fire-eyebrow{color:var(--fire-purple);font-size:12px;letter-spacing:.11em;font-weight:800;text-transform:uppercase}.fire-intro h1{margin:5px 0 12px;color:var(--fire-navy);font-size:clamp(30px,3vw,42px);line-height:1.08;letter-spacing:-.02em}.fire-lead{max-width:72ch;margin:0;color:#536176;font-size:15.5px;line-height:1.65}.fire-lead.secondary{margin-top:10px}.fire-snapshot{background:linear-gradient(150deg,#17345f,#2b245a);color:#fff;padding:24px 25px;border-radius:15px;box-shadow:0 12px 30px rgba(23,52,95,.11)}.snapshot-title{font-size:12px;letter-spacing:.09em;text-transform:uppercase;color:#f2d667;font-weight:800}.snapshot-value{font-size:38px;font-weight:800;line-height:1.05;margin:7px 0 1px}.snapshot-caption{font-size:12px;color:#dce3ee}.fire-snapshot dl{margin:17px 0 0;border-top:1px solid rgba(255,255,255,.18);padding-top:10px}.fire-snapshot dl div{display:flex;justify-content:space-between;gap:15px;padding:5px 0;font-size:12px}.fire-snapshot dt{color:#d3dbea}.fire-snapshot dd{margin:0;font-weight:800}.fire-callout{margin-top:20px;padding:12px 15px;border-left:4px solid var(--fire-gold);background:#fff8e4;border-radius:0 8px 8px 0;color:#65552b;font-size:13px}.fire-subnav{position:sticky;top:0;z-index:18;background:#fff;border-bottom:1px solid var(--fire-line);box-shadow:0 4px 12px rgba(23,52,95,.05)}.fire-subnav-inner{display:flex;gap:4px;justify-content:center;overflow:auto}.fire-subnav a{display:block;padding:11px 12px;color:var(--fire-navy)!important;text-decoration:none!important;font-size:12px;font-weight:700;white-space:nowrap}.fire-subnav a:hover{background:#f5f7fa}.fire-section{padding:42px 0}.fire-soft{background:var(--fire-soft)}.fire-section-head{display:grid;grid-template-columns:minmax(0,1fr) minmax(260px,.7fr);gap:18px 40px;align-items:end;margin-bottom:22px}.fire-section-head h2{margin:4px 0 0;color:var(--fire-navy);font-size:clamp(22px,2.2vw,29px);line-height:1.16;letter-spacing:-.012em}.fire-section-head>p{margin:0;color:var(--fire-muted);font-size:14px;line-height:1.6;max-width:62ch}.explain-grid{display:grid;gap:14px}.explain-grid.four{grid-template-columns:repeat(4,1fr)}.explain-grid article{background:#fff;border:1px solid var(--fire-line);border-radius:11px;padding:18px}.card-icon{width:30px;height:30px;display:grid;place-items:center;border-radius:50%;background:var(--fire-navy);color:#fff;font-size:12px;font-weight:800;margin-bottom:10px}.explain-grid h3{margin:0 0 6px;color:var(--fire-navy);font-size:15px}.explain-grid p{margin:0;color:#4f5c72;font-size:13px}.fire-info-band{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:16px}.fire-info-band>div{padding:15px 17px;background:#f8f5fa;border-left:3px solid var(--fire-purple);border-radius:0 9px 9px 0}.fire-info-band strong{display:block;color:var(--fire-navy);font-size:13px}.fire-info-band span{display:block;color:#4f5c72;font-size:12.5px;margin-top:3px}.fire-info-band a{color:var(--fire-navy);font-weight:700}.method-layout{display:grid;grid-template-columns:1fr 34px 1fr 34px 1fr;gap:10px;align-items:stretch}.method-panel{display:flex;gap:13px;background:#fff;border:1px solid var(--fire-line);border-radius:11px;padding:18px}.method-panel.total{background:#fbf9fc}.method-number{width:31px;height:31px;flex:0 0 31px;display:grid;place-items:center;border-radius:50%;background:var(--fire-navy);color:#fff;font-size:12px;font-weight:800}.method-panel h3{margin:0 0 6px;color:var(--fire-navy);font-size:15px}.method-panel p{margin:0 0 8px;color:#4f5c72;font-size:13px}.method-panel p:last-child{margin-bottom:0}.method-plus,.method-equals{display:grid;place-items:center;color:var(--fire-gold);font-size:23px;font-weight:800}.example-box{margin-top:16px;padding:16px 18px;background:#fff8e4;border-left:4px solid var(--fire-gold);border-radius:0 10px 10px 0}.example-label{font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:800;color:#705a17}.example-math{display:flex;flex-wrap:wrap;gap:8px 12px;align-items:center;margin-top:6px;color:var(--fire-navy);font-size:14px}.example-math strong{font-size:17px}.nonres-guide{margin-top:20px}.nonres-guide h3{margin:0 0 12px;color:var(--fire-navy);font-size:16px}.nonres-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.nonres-steps>div{background:#fff;border:1px solid var(--fire-line);border-radius:10px;padding:15px}.nonres-steps span{color:var(--fire-purple);font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.08em}.nonres-steps b{display:block;color:var(--fire-navy);font-size:13px;margin:4px 0}.nonres-steps p{margin:0;color:#4f5c72;font-size:12px}.rate-table-wrap{overflow:auto;border:1px solid var(--fire-line);border-radius:11px;background:#fff}.rate-table{width:100%;border-collapse:collapse;min-width:850px}.rate-table th{background:linear-gradient(90deg,var(--fire-navy),#2a275d);color:#fff;text-align:left;padding:11px 12px;font-size:12.5px}.rate-table td{padding:11px 12px;border-bottom:1px solid #e8edf2;font-size:12.5px;color:#4f5e72}.rate-table tr:last-child td{border-bottom:0}.rate-table td:first-child{color:var(--fire-navy)}.rate-summary-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:16px}.rate-summary{padding:17px 18px;border:1px solid var(--fire-line);border-radius:11px;background:#fff}.rate-summary.adopted{border-top:4px solid var(--fire-purple)}.rate-summary span{display:block;color:#4f5c72;font-size:12px;text-transform:uppercase;letter-spacing:.07em;font-weight:800}.rate-summary strong{display:block;color:var(--fire-purple);font-size:25px;margin:4px 0}.rate-summary small{color:#4f5c72}.history-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.history-cards article{padding:18px;border:1px solid var(--fire-line);border-radius:11px;background:#fff}.history-cards article.current{border-top:4px solid var(--fire-purple)}.history-cards span{font-size:12px;color:#4f5c72;font-weight:800;text-transform:uppercase;letter-spacing:.06em}.history-cards strong{display:block;font-size:24px;color:var(--fire-navy);margin:5px 0}.history-cards p{margin:0;color:#4f5c72;font-size:12.5px}.timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:20px;border-top:2px solid #d2b13c}.timeline div{position:relative;padding:15px 14px 0}.timeline div:before{content:"";position:absolute;top:-7px;left:14px;width:11px;height:11px;border-radius:50%;background:var(--fire-gold);border:2px solid #fff}.timeline b{display:block;color:var(--fire-navy);font-size:12.5px}.timeline span{display:block;color:#4f5c72;font-size:12.5px;margin-top:3px}.budget-stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:13px}.budget-stat-grid article{padding:17px;border:1px solid var(--fire-line);border-radius:11px;background:#fff}.budget-stat-grid span{display:block;color:#4f5c72;font-size:12px;text-transform:uppercase;letter-spacing:.06em;font-weight:800}.budget-stat-grid strong{display:block;color:var(--fire-navy);font-size:23px;margin:5px 0}.budget-stat-grid p{margin:0;color:#4f5c72;font-size:12px}.budget-explain-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:15px}.budget-explain-grid article{padding:18px;border:1px solid var(--fire-line);border-radius:11px;background:#fff}.budget-explain-grid h3{margin:0 0 8px;color:var(--fire-navy);font-size:15px}.budget-explain-grid ul{margin:0;padding-left:18px;color:#4f5c72;font-size:12.5px}.budget-explain-grid li{margin:5px 0}.roll-explainer{display:grid;grid-template-columns:300px 1fr;gap:22px;align-items:center;margin-top:15px;padding:17px;border:1px solid #ddd4e6;border-radius:11px;background:#faf8fc}.roll-explainer span{display:block;color:#4f5c72;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.06em}.roll-explainer strong{display:block;color:var(--fire-purple);font-size:22px;margin:4px 0}.roll-explainer small{color:#4f5c72}.roll-explainer p{margin:0;color:#4f5c72;font-size:12.5px}.calculator-shell{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(290px,.8fr);gap:18px;align-items:stretch}.calculator-controls,.calculator-result{border:1px solid var(--fire-line);border-radius:13px;background:#fff}.calculator-controls{padding:20px}.calc-fieldset{border:0;padding:0;margin:0 0 20px}.calc-fieldset:last-child{margin-bottom:0}.calc-fieldset legend{font-size:12px;font-weight:800;color:var(--fire-navy);margin-bottom:10px}.property-buttons{display:grid;grid-template-columns:repeat(2,1fr);gap:8px}.property-btn{border:1px solid #cbd4e2;background:#fff;color:#334763;border-radius:8px;padding:10px 11px;font-family:inherit;font-size:12px;font-weight:700;cursor:pointer}.property-btn.active{background:var(--fire-navy);border-color:var(--fire-navy);color:#fff}.input-panel label{display:block;font-size:12px;font-weight:700;color:#4f5c72;margin-bottom:6px}.number-row{display:flex;align-items:stretch;max-width:430px}.number-row input{width:100%;min-height:42px;border:1px solid #cbd4e2;border-radius:8px 0 0 8px;padding:8px 11px;font:600 14px "Segoe UI",Arial,sans-serif;color:var(--fire-navy)}.number-row span{display:flex;align-items:center;background:#edf1f7;border:1px solid #cbd4e2;border-left:0;border-radius:0 8px 8px 0;padding:0 12px;color:#4f5c72;font-size:12.5px;font-weight:700;white-space:nowrap}.calc-range,#fundingSlider{width:100%;margin:13px 0 0;accent-color:var(--fire-purple)}.range-labels,.funding-slider-row{display:flex;justify-content:space-between;color:#4f5c72;font-size:12px;font-weight:600}.calc-help{font-size:12.5px;color:#4f5c72;margin:6px 0 0}.compare-fieldset{padding-top:17px;border-top:1px solid #e3e8ef}.funding-slider-row{align-items:center;gap:10px}.funding-slider-row input{flex:1;margin:0}.funding-status{margin-top:9px;padding:10px 12px;border-radius:8px;background:#f7f4fa}.funding-status strong{display:block;color:var(--fire-purple);font-size:12px}.funding-status span{display:block;color:#4f5c72;font-size:12.5px;margin-top:2px}.calculator-result{padding:23px;background:linear-gradient(150deg,#17345f,#2b245a);color:#fff;display:flex;flex-direction:column}.result-eyebrow{font-size:12px;font-weight:800;letter-spacing:.1em;color:#ead47f}.result-total{font-size:clamp(36px,4vw,52px);line-height:1;font-weight:800;margin-top:10px}.result-monthly{display:flex;justify-content:space-between;gap:14px;margin-top:18px;padding:11px 0;border-top:1px solid rgba(255,255,255,.2);border-bottom:1px solid rgba(255,255,255,.2);font-size:12px}.result-monthly span{color:#d8deea}.result-monthly strong{font-size:15px}.result-breakdown{margin-top:10px}.result-breakdown>div{display:flex;justify-content:space-between;gap:16px;padding:6px 0;font-size:12.5px}.result-breakdown span{color:#ced6e4}.result-formula{margin-top:auto;padding-top:14px;color:#efe3a8;font-size:12.5px;line-height:1.5}.calculator-note{margin-top:14px;padding:13px 15px;background:#fff;border:1px solid var(--fire-line);border-radius:9px;color:#4f5c72;font-size:12px}.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.faq-grid details{border:1px solid var(--fire-line);border-radius:10px;background:#fff;padding:0 15px}.faq-grid summary{cursor:pointer;color:var(--fire-navy);font-weight:800;padding:13px 24px 13px 0;font-size:13px}.faq-grid p{margin:0 0 14px;color:#4f5c72;font-size:12.5px}.faq-grid a,.source-links a{color:var(--fire-navy)!important}.fire-sources{background:#fbfbfd}.source-links{display:grid;grid-template-columns:repeat(4,1fr);gap:11px}.source-links a{display:block;padding:14px;border:1px solid var(--fire-line);border-radius:10px;background:#fff;text-decoration:none!important}.source-links a:hover{border-color:#b7a6c6;box-shadow:0 6px 16px rgba(23,52,95,.05)}.source-links strong{display:block;color:var(--fire-navy);font-size:12.5px;margin-bottom:3px}.source-links span{display:block;color:#4f5c72;font-size:12.5px}.source-note{color:#4f5c72;font-size:12.5px;line-height:1.55;margin:12px 0 0}
@media(max-width:1000px){.fire-intro-grid{grid-template-columns:1fr}.fire-snapshot{max-width:500px}.explain-grid.four,.nonres-steps,.budget-stat-grid,.source-links{grid-template-columns:repeat(2,1fr)}.method-layout{grid-template-columns:1fr}.method-plus,.method-equals{display:none}.timeline{grid-template-columns:1fr 1fr}.calculator-shell{grid-template-columns:1fr}.roll-explainer{grid-template-columns:1fr}}
@media(max-width:760px){.fire-wrap,.fire-subnav-inner{width:min(calc(100% - 26px),var(--fire-max))}.fire-intro{padding:30px 0 23px}.fire-section{padding:34px 0}.fire-section-head{grid-template-columns:1fr;gap:7px}.explain-grid.four,.fire-info-band,.nonres-steps,.rate-summary-grid,.history-cards,.budget-stat-grid,.budget-explain-grid,.faq-grid,.source-links{grid-template-columns:1fr}.timeline{grid-template-columns:1fr;border-top:0;border-left:2px solid #d2b13c;margin-left:6px}.timeline div{padding:7px 0 7px 20px}.timeline div:before{top:12px;left:-7px}.property-buttons{grid-template-columns:1fr}.calculator-controls,.calculator-result{padding:17px}.fire-subnav a{padding:9px 10px;font-size:12.5px}}
.why-panel{display:grid;grid-template-columns:minmax(240px,.7fr) minmax(0,1.3fr);gap:20px;align-items:start;margin-top:16px;padding:17px 18px;border:1px solid var(--fire-line);border-radius:10px;background:#fff}.why-panel h3{margin:4px 0 0;color:var(--fire-navy);font-size:15px}.why-panel p{margin:0;color:#4f5c72;font-size:12.5px}.payment-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;margin-top:14px;border:1px solid var(--fire-line);border-radius:10px;overflow:hidden;background:var(--fire-line)}.payment-strip>div{padding:13px 15px;background:#fff}.payment-strip strong{display:block;color:var(--fire-navy);font-size:12px}.payment-strip span{display:block;color:#4f5c72;font-size:12.5px;margin-top:2px}@media(max-width:760px){.why-panel,.payment-strip{grid-template-columns:1fr}}

/* September 2026 cleanup: single column intro, readable text sizes */
.fire-intro-grid.single{grid-template-columns:1fr}
.fire-intro h1{font-size:clamp(24px,2.6vw,32px);line-height:1.2}
.fire-section-head h2{font-size:clamp(20px,2vw,25px);line-height:1.25}
.fire-section-head>p,.explain-grid p,.method-panel p,.budget-explain-grid ul,.faq-grid p,.history-cards p,.budget-stat-grid p,.roll-explainer p,.nonres-steps p,.calculator-note,.fire-callout{font-size:14px;line-height:1.6}
.fire-info-band span,.source-links span,.source-note,.calc-help,.funding-status span,.result-breakdown>div{font-size:13px}
.faq-grid summary,.rate-table td,.fire-subnav a,.input-panel label,.calc-fieldset legend,.property-btn{font-size:14px}
.rate-table th,.budget-stat-grid span,.history-cards span,.rate-summary span,.roll-explainer span,.nonres-steps span,.range-labels,.funding-slider-row{font-size:12.5px;letter-spacing:.02em;text-transform:none}
.timeline b{font-size:14px}.timeline span{font-size:13px}
.who-pays{margin-top:18px;padding:20px;border:1px solid var(--fire-line);border-radius:12px;background:#fff}
.who-pays h3{margin:0 0 6px;color:var(--fire-navy);font-size:17px}
.who-pays p{margin:0 0 12px;color:#3f4b60;font-size:14.5px;line-height:1.6;max-width:80ch}
.who-bar{display:flex;height:36px;border-radius:8px;overflow:hidden;margin:6px 0 14px}
.who-bar span{display:flex;align-items:center;padding-left:12px;color:#fff;font-weight:700;font-size:14px;white-space:nowrap}
.who-bar .res{background:var(--fire-navy)}.who-bar .nonres{background:#7a2a2a}
.who-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.who-grid div{padding:14px;border-radius:10px;background:#f6f8fb}
.who-grid strong{display:block;color:var(--fire-navy);font-size:20px}
.who-grid span{display:block;margin-top:4px;color:#3f4b60;font-size:14px;line-height:1.5}
.who-pays .who-src{margin:12px 0 0;font-size:13px;color:#4f5c72}
@media(max-width:800px){.who-grid{grid-template-columns:1fr}}
.history-note{margin:16px 0 0;padding:12px 15px;border-left:4px solid var(--fire-gold);background:#fff8e4;border-radius:0 8px 8px 0;color:#4a3d12;font-size:14px;line-height:1.6}
.calculator-heading{grid-template-columns:1fr;gap:8px}
.calculator-heading>p{max-width:none;width:100%;font-size:15px;line-height:1.6}
.result-breakdown>div[hidden]{display:none}