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auto}.rate-wizard-title{text-align:center;color:var(--leom-charcoal);margin-bottom:12px;font-size:clamp(1.65rem,3vw,2.15rem);line-height:1.2}.rate-wizard-sub{text-align:center;color:var(--leom-text-muted);margin-bottom:24px;font-size:.98rem}.rate-wizard-sub--lead{color:var(--leom-text-secondary);font-size:1.05rem}.rate-wizard-micro{text-align:center;color:var(--leom-text-muted);margin-bottom:12px;font-size:.88rem}.rate-wizard-options{gap:12px;margin-bottom:8px;display:grid}.rate-wizard-option{border:1px solid var(--leom-border);background:var(--leom-card);width:100%;font:inherit;color:var(--leom-charcoal);cursor:pointer;text-align:left;border-radius:12px;align-items:center;gap:14px;padding:18px 20px;font-size:1rem;font-weight:600;transition:border-color .2s,background .2s,color .2s;display:flex}.rate-wizard-option.is-selected{background:rgba(var(--leom-primary-rgb),.08);border:2px solid var(--leom-primary);color:var(--leom-charcoal);box-shadow:0 0 0 1px 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span{color:var(--leom-text-muted);align-items:center;height:100%;padding:0 16px;font-weight:600;display:flex}.rate-wizard-disclaimer{color:var(--leom-text-muted);text-align:center;margin:16px 0 0;font-size:.82rem;line-height:1.55}.rate-wizard-primary-btn{border-radius:12px;width:100%;max-width:560px;margin:24px auto 0;display:block}.rate-wizard-primary-btn.is-disabled,.rate-wizard-primary-btn:disabled{opacity:.55;cursor:not-allowed;transform:none}.rate-wizard-outline-btn{border-radius:12px;width:100%;max-width:560px;margin:14px auto 0;display:block}.rate-wizard-next-outline{margin-top:20px}.rate-wizard-error{text-align:center;color:#c0392b;max-width:560px;margin:16px auto 0;font-size:.9rem}.rate-wizard-verify-block{gap:14px;max-width:420px;margin:0 auto;display:grid}.rate-wizard-otp{border:1px solid var(--leom-border);width:100%;font:inherit;letter-spacing:.35em;text-align:center;border-radius:10px;padding:16px;font-size:1.4rem}.rate-wizard-link-btn{font:inherit;color:var(--leom-text-muted);cursor:pointer;text-align:center;background:0 0;border:0}.rate-wizard-perks{gap:12px;margin:0 0 24px;padding:0;list-style:none;display:grid}.rate-wizard-perks li{color:var(--leom-text-secondary);align-items:flex-start;gap:10px;font-size:.95rem;display:flex}.rate-wizard-perks .tick{flex:none;margin-top:2px}.rate-wizard-dual-actions{grid-template-columns:1fr 1fr;gap:12px;display:grid}.rate-wizard-chat-card{border:1px solid rgba(var(--leom-primary-rgb),.35);background:var(--leom-card);color:var(--leom-text-secondary);border-radius:16px;margin-bottom:20px;padding:24px 22px 22px;font-size:.95rem;line-height:1.6;position:relative}.rate-wizard-chat-avatar{object-fit:cover;border:2px solid #fff;border-radius:50%;width:52px;height:52px;position:absolute;top:-18px;right:22px;box-shadow:0 4px 12px #0000001a}.rate-wizard-chat-greeting{color:var(--leom-charcoal);margin-bottom:10px;font-weight:700}.rate-wizard-chat-footnote{color:var(--leom-text-muted);margin-top:16px;font-size:.78rem;line-height:1.5}.rate-wizard-product-list{gap:10px;margin:14px 0 0;padding:0;list-style:none;display:grid}.rate-wizard-product-list li{align-items:center;gap:10px;display:flex}.rate-wizard-simulator{border:1px solid rgba(var(--leom-primary-rgb),.35);background:var(--leom-card);border-radius:16px;padding:clamp(22px,3vw,28px)}.rate-wizard-simulator h2{margin-bottom:8px;font-size:1.35rem}.rate-wizard-sim-summary{border-top:1px solid var(--leom-border);margin-top:20px;padding-top:18px}.rate-wizard-sim-summary h3{margin-bottom:14px;font-size:1rem}.rate-wizard-sim-row{justify-content:space-between;align-items:center;gap:12px;margin-bottom:10px;font-size:.92rem;display:flex}.rate-wizard-badge{border-radius:999px;padding:6px 14px;font-size:.82rem;font-weight:700}.rate-wizard-badge.is-yes{color:var(--leom-success);background:#6b8f7126}.rate-wizard-badge.is-no{color:#c0392b;background:#c94c4c1f}.rate-wizard-results{max-width:100%}.rate-wizard-results-intro{color:var(--leom-charcoal);margin-bottom:18px;font-size:1.05rem;font-weight:600}.rate-wizard-results-table-wrap{border:1px solid var(--leom-border);background:var(--leom-card);border-radius:14px;overflow-x:auto}.rate-wizard-results-table{border-collapse:collapse;width:100%;font-size:.78rem}.rate-wizard-results-table th,.rate-wizard-results-table td{border-bottom:1px solid var(--leom-border);vertical-align:top;padding:10px 8px}.rate-wizard-results-table tbody th{text-align:left;color:var(--leom-primary);background:rgba(var(--leom-primary-rgb),.08);min-width:140px;font-weight:600}.rate-wizard-recommended{color:#c0392b;margin-bottom:6px;font-size:.68rem;font-weight:700;display:block}.rate-wizard-term-pill{background:var(--leom-sand-light);text-align:center;border-radius:6px;padding:6px 8px;font-weight:700;display:block}.rate-wizard-schedule-banner{background:linear-gradient(165deg,var(--leom-charcoal) 0%,var(--leom-text-secondary) 100%);color:#fff;border-radius:14px;grid-template-columns:auto 1fr auto;align-items:center;gap:16px;margin-top:28px;padding:20px;display:grid}.rate-wizard-banner-avatar{object-fit:cover;border-radius:50%}.rate-wizard-banner-title{margin:4px 0;font-size:1.05rem;font-weight:700}.rate-wizard-banner-note{color:#ffffffb8;font-size:.82rem}@media (max-width:820px){.rate-wizard-progress{margin-bottom:14px}.rate-wizard-form-grid,.rate-wizard-dual-actions,.rate-wizard-rate-row{grid-template-columns:1fr}.rate-wizard-schedule-banner{text-align:center;grid-template-columns:1fr}.rate-wizard-schedule-banner .btn{width:100%}}.calc-section--page{border-top:0;padding-top:clamp(48px,6vw,72px);padding-bottom:clamp(72px,8vw,110px)}.subpage-hero{background:linear-gradient(165deg,var(--leom-charcoal) 0%,var(--leom-text-secondary) 100%);color:#fff;padding:clamp(120px,14vw,150px) 0 clamp(48px,6vw,72px)}.subpage-hero--media{background:var(--leom-charcoal);align-items:flex-end;min-height:clamp(360px,42vw,520px);padding:clamp(120px,14vw,150px) 0 clamp(56px,6vw,80px);display:flex;position:relative;overflow:hidden}.subpage-hero--media:after{content:"";z-index:1;pointer-events:none;background:#0006;position:absolute;inset:0}.subpage-hero-media{z-index:0;position:absolute;inset:0}.subpage-hero-video,.subpage-hero-image{object-fit:cover;object-position:center;width:100%;height:100%}.subpage-hero-content{z-index:2;position:relative}.subpage-hero .eyebrow{color:var(--leom-sand)}.subpage-hero .eyebrow:before{background:var(--leom-sand)}.subpage-hero h1{max-width:16ch;margin:14px 0 16px;font-size:clamp(2.2rem,4vw,3.4rem)}.subpage-hero .lead{color:#ffffffc2;max-width:58ch}.calculator-disclaimer{text-align:center;max-width:72ch;color:var(--leom-text-muted);margin:24px auto 0;font-size:.88rem;line-height:1.6}.services--page{padding:clamp(48px,6vw,80px) 0 clamp(72px,8vw,110px)}.about--page{padding:clamp(48px,6vw,80px) 0 clamp(32px,4vw,48px)}.about-stats{background:var(--leom-background);padding:clamp(32px,4vw,48px) 0 clamp(48px,6vw,72px)}.about-cta,.mortgages-cta{padding:0 0 clamp(72px,8vw,110px)}.mortgages-cta-band{border-radius:var(--radius-lg);background:linear-gradient(165deg,var(--leom-charcoal) 0%,var(--leom-text-secondary) 100%);color:#fff;justify-content:space-between;align-items:center;gap:28px;padding:clamp(32px,4vw,44px);display:flex}.mortgages-cta-band h2{max-width:20ch;margin:12px 0 10px;font-size:clamp(1.6rem,2.8vw,2.2rem)}.mortgages-cta-band p{color:#ffffffbd;max-width:48ch}.mortgages-cta-actions{flex-wrap:wrap;flex:none;gap:12px;display:flex}.calc-section{background:var(--leom-surface);border-top:1px solid var(--leom-border);border-bottom:1px solid var(--leom-border);padding:clamp(64px,8vw,96px) 0}.calc-section-intro{margin-bottom:clamp(28px,4vw,40px)}.calc-section-title{letter-spacing:-.03em;max-width:640px;font-size:clamp(1.75rem,3.2vw,2.35rem);font-weight:700}.calc-section-card{width:100%;margin:0 auto}.calc-card{background:var(--leom-card);color:var(--leom-text-primary);border:1px solid var(--leom-border);box-shadow:var(--shadow-lg);border-radius:24px;overflow:hidden}.calc-toolbar{background:var(--leom-background-secondary);padding:28px 28px 20px}.calc-toolbar-label{color:var(--leom-text-secondary);margin:0 0 20px;font-size:.9rem;font-weight:650}.calc-toolbar .calc-segmented{width:100%;max-width:none}.calc-body{grid-template-columns:minmax(0,55%) minmax(0,45%);align-items:stretch;gap:0;display:grid}.calc-main{background:var(--leom-background-secondary);border-right:1px solid var(--leom-border);flex-direction:column;min-height:520px;display:flex}.calc-form{flex-direction:column;flex:1;gap:20px;padding:0 28px 28px;display:flex}.calc-form-grid{grid-template-columns:repeat(2,minmax(0,1fr));align-items:start;gap:20px;display:grid}.calc-form-stack{flex-direction:column;gap:20px;display:flex}.calc-form-stack .field,.calc-form-grid .field,.calc-form>.field,.calc-form .field{margin-bottom:0}.calc-form .field label{color:var(--leom-text-secondary);margin-bottom:8px;font-size:.84rem;font-weight:650;display:block}.calc-form .field label:has(b){justify-content:space-between;align-items:baseline;gap:8px;display:flex}.calc-form .field label b{color:var(--leom-primary);font-variant-numeric:tabular-nums;white-space:nowrap;font-weight:700}.calc-form input[type=number],.calc-form input[type=text],.calc-form select,.calc-readout{box-sizing:border-box;min-height:52px}.calc-form input[type=number],.calc-form input[type=text],.calc-form select{background:var(--leom-surface);border-color:var(--leom-border);border-radius:12px;padding:14px 14px 14px 46px}.calc-form select.calc-select{padding-left:14px}.calc-form input:focus,.calc-form select:focus{border-color:var(--leom-primary);box-shadow:0 0 0 3px rgba(var(--leom-primary-rgb),.18)}.calc-readout{border:1px solid var(--leom-border);background:var(--leom-surface);font-variant-numeric:tabular-nums;color:var(--leom-text-primary);border-radius:12px;align-items:center;padding:14px 16px;font-size:1rem;font-weight:700;display:flex}.calc-select{appearance:none;background-color:var(--leom-surface);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8' fill='none'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%23565F70' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-position:right 14px center;background-repeat:no-repeat;padding-right:38px}.calc-segmented{background:var(--leom-background);border-color:var(--leom-border);border-radius:14px;padding:5px}.calc-segmented button{border-radius:10px;padding:12px 14px;font-size:.86rem}.calc-segmented button.on{background:var(--leom-surface);color:var(--leom-text-primary);font-weight:700;box-shadow:0 2px 8px #10151f14}.field-label{color:var(--leom-text-secondary);margin-bottom:8px;font-size:.84rem;font-weight:650;display:block}.groupfocus-field{margin-bottom:0;position:relative}.groupfocus-trigger{box-sizing:border-box;border:1px solid var(--leom-border);background:var(--leom-surface);width:100%;min-height:52px;font:inherit;color:var(--leom-text-primary);cursor:pointer;text-align:left;border-radius:12px;justify-content:space-between;align-items:center;gap:12px;padding:14px 16px;font-size:1rem;font-weight:600;transition:border-color .15s,box-shadow .15s;display:flex}.groupfocus-trigger:hover{border-color:var(--leom-primary-muted)}.groupfocus-trigger.is-open,.groupfocus-trigger:focus-visible{border-color:var(--leom-primary);outline:none;box-shadow:0 0 0 3px #7b836a2e}.groupfocus-trigger svg{color:var(--leom-text-muted);flex:none;transition:transform .15s}.groupfocus-trigger.is-open svg{transform:rotate(180deg)}.groupfocus-pop{z-index:30;background:var(--leom-surface);border:1px solid var(--leom-border);box-shadow:var(--shadow-md);border-radius:14px;margin:0;padding:6px;list-style:none;position:absolute;top:calc(100% + 6px);left:0;right:0}.groupfocus-pop li{cursor:pointer;color:var(--leom-text-secondary);border-radius:10px;padding:12px 14px;font-size:.95rem;font-weight:500;transition:background .12s,color .12s}.groupfocus-pop li.is-active{background:var(--leom-background-secondary)}.groupfocus-pop li.is-selected{color:var(--leom-charcoal);background:#7b836a1f;font-weight:650}.groupfocus-pop li.is-active.is-selected{background:#7b836a2e}.calc-tenure{margin-top:0;margin-bottom:0;padding-top:0}.tenure-row{grid-template-columns:1fr 88px;align-items:center;gap:16px;display:grid}.tenure-slider{align-items:center;min-height:52px;display:flex}.tenure-row .calc-range{align-self:center;width:100%;margin:0}.years-box{box-sizing:border-box;border:1px solid var(--leom-border);background:var(--leom-surface);border-radius:12px;grid-template-rows:auto auto;align-content:center;justify-items:center;width:88px;height:52px;padding:6px 8px;display:grid}.years-box span{color:var(--muted);text-align:center;font-size:.72rem;font-weight:600;line-height:1}.years-box input{text-align:center;width:100%;height:auto;min-height:0;box-shadow:none;background:0 0;border:0;padding:0;font-size:1rem;font-weight:700;line-height:1.2}.years-box input:focus{box-shadow:none;background:0 0;outline:none}.calc-form .years-box input[type=number]{background:0 0;border:0;border-radius:0;min-height:0;padding:0}.calc-range{background:linear-gradient(90deg,var(--leom-charcoal) var(--fill,40%),var(--leom-border) var(--fill,40%));border-radius:99px;height:4px}.calc-form input[type=range].calc-range{background:linear-gradient(90deg,var(--leom-charcoal) var(--fill,40%),var(--leom-border) 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strong{letter-spacing:-.03em;font-variant-numeric:tabular-nums;font-size:clamp(1.8rem,3vw,2.25rem);font-weight:750;line-height:1.05}.calc-panel-divider{border:0;border-top:1px solid #ffffff29;margin:20px 0}.calc-panel-error{color:var(--leom-warm-accent);flex:1;margin:0;font-size:.95rem;line-height:1.55}.calc-breakdown-toggle{cursor:pointer;text-align:left;width:100%;font:inherit;color:#fff;background:#ffffff1a;border:0;border-radius:14px;justify-content:space-between;align-items:center;gap:12px;margin-top:24px;padding:15px 16px;font-size:.88rem;font-weight:600;line-height:1.4;transition:all .15s;display:flex}.calc-breakdown-toggle:hover{background:#ffffff29}.calc-breakdown-toggle span{flex:none;font-size:1.25rem;font-weight:400;line-height:1}.calc-panel-breakdown{gap:11px;margin:14px 0 0;padding:0;list-style:none;display:grid}.calc-panel-breakdown li{color:#ffffffad;justify-content:space-between;align-items:baseline;gap:12px;font-size:.84rem;display:flex}.calc-panel-breakdown b{color:#fff;font-variant-numeric:tabular-nums;white-space:nowrap;font-weight:650}.calc-panel-actions{grid-template-columns:1fr 1fr;gap:12px;margin-top:auto;padding-top:20px;display:grid}.calc-panel-actions .btn{border-radius:12px;padding:14px 16px;font-size:.9rem;font-weight:650}.btn-panel-outline{color:#fff;background:0 0;border:1px solid #ffffff73}.btn-panel-outline:hover{background:#ffffff14;transform:none}.calc-panel.is-error .calc-panel-actions{margin-top:auto}.calc-panel.is-loading .calc-panel-stat strong{opacity:.55}.calc-modal{z-index:100;-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px);background:#10151f8c;justify-content:center;align-items:center;padding:24px;display:flex;position:fixed;inset:0}.calc-modal-dialog{background:var(--leom-surface);width:min(100%,520px);max-height:min(88vh,640px);color:var(--leom-text-primary);box-shadow:var(--shadow-lg);border-radius:20px;padding:24px 24px 20px;overflow:auto}.calc-modal-head{justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:20px;display:flex}.calc-modal-head h3{letter-spacing:-.02em;margin:0;font-size:1.2rem;font-weight:700;line-height:1.3}.calc-modal-close{background:var(--leom-background-secondary);width:36px;height:36px;color:var(--leom-text-primary);cursor:pointer;border:0;border-radius:10px;flex:none;place-items:center;font-size:1.5rem;line-height:1;transition:all .15s;display:grid}.calc-modal-close:hover{background:var(--leom-border)}.calc-modal-list{border:1px solid var(--line);border-radius:14px;gap:0;margin:0;padding:0;list-style:none;display:grid;overflow:hidden}.calc-modal-list li{border-bottom:1px solid var(--line);justify-content:space-between;align-items:baseline;gap:16px;padding:14px 16px;font-size:.92rem;display:flex}.calc-modal-list li:last-child{border-bottom:0}.calc-modal-list li span{color:var(--muted)}.calc-modal-list b{font-variant-numeric:tabular-nums;white-space:nowrap;color:var(--ink);font-weight:700}.calc-modal-note{color:var(--muted);margin:16px 0 0;font-size:.78rem;line-height:1.55}.field{margin-bottom:16px}.field label{color:var(--leom-text-secondary);justify-content:space-between;align-items:baseline;margin-bottom:7px;font-size:.85rem;font-weight:600;display:flex}.field label b{color:var(--leom-primary);font-variant-numeric:tabular-nums;font-weight:700}.input-wrap{align-items:center;display:flex;position:relative}.input-wrap .cur{color:var(--leom-text-muted);letter-spacing:.03em;pointer-events:none;font-size:.8rem;font-weight:700;position:absolute;left:14px}input[type=number],input[type=text],input[type=email],input[type=tel],select{border:1px solid var(--leom-border);width:100%;color:var(--leom-text-primary);background:var(--leom-background);font-variant-numeric:tabular-nums;border-radius:11px;padding:13px 14px 13px 46px;font-family:inherit;font-size:1rem;transition:all .15s}input.no-cur,select{padding-left:14px}.rate-wizard-field input[type=text],.rate-wizard-field input[type=email],.rate-wizard-field input[type=tel],.rate-wizard-field select{padding:14px 16px}input:focus,select:focus{border-color:var(--leom-primary);background:var(--leom-surface);box-shadow:0 0 0 3px rgba(var(--leom-primary-rgb),.18);outline:none}input[type=number]::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}input[type=number]{-moz-appearance:textfield}.grid-2{grid-template-columns:1fr 1fr;gap:14px;display:grid}input[type=range]{appearance:none;background:linear-gradient(90deg,var(--leom-primary) var(--fill,40%),var(--leom-border) var(--fill,40%));cursor:pointer;border-radius:99px;width:100%;height:5px;margin:10px 0 2px}input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;background:var(--leom-surface);border:2px solid var(--leom-primary);cursor:pointer;border-radius:50%;width:20px;height:20px;box-shadow:0 2px 8px #10151f2e}input[type=range]::-moz-range-thumb{background:var(--leom-surface);border:2px solid var(--leom-primary);cursor:pointer;border-radius:50%;width:18px;height:18px}.segmented{background:var(--leom-background);border:1px solid var(--leom-border);border-radius:12px;grid-template-columns:1fr 1fr;gap:4px;padding:4px;display:grid}.segmented button{font:inherit;color:var(--leom-text-muted);cursor:pointer;background:0 0;border:0;border-radius:9px;padding:10px 8px;font-size:.85rem;font-weight:600;line-height:1.25;transition:all .15s}.segmented button:hover{color:var(--leom-text-primary)}.segmented button.on{background:var(--leom-surface);color:var(--leom-text-primary);font-weight:700;box-shadow:0 1px 3px #10151f1a}.chips{grid-template-columns:repeat(3,1fr);gap:8px;display:grid}.chip{font:inherit;background:var(--leom-background);border:1px solid 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