@font-face{font-family:LocalSans;src:local('Avenir Next'),local('Segoe UI');font-display:swap}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:126px}body{margin:0;font-family:LocalSans,Arial,sans-serif;color:#142b40;background:#fff;font-size:16px;line-height:1.65}a{color:inherit;text-decoration:none}a:hover{text-decoration:underline;text-underline-offset:5px}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{touch-action:manipulation}button{cursor:pointer}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid 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#12304720;z-index:25;gap:10px}.mobile-bar a{flex:1;padding:12px;font-size:.83rem;min-height:46px}.page-head{padding:38px 0}.page-head h1{font-size:2.65rem}.page-head p{font-size:1rem}.layout-aside{grid-template-columns:1fr;gap:35px}.aside{position:static}.form-card{padding:25px}.form-grid{grid-template-columns:1fr}.full{grid-column:auto}.calculator-grid{grid-template-columns:1fr;gap:5px}.calculator{padding:25px}.article-layout{grid-template-columns:1fr;gap:32px}.toc{position:static}.article-layout .prose h2{font-size:1.7rem}.fees th,.fees td{padding:13px;min-width:125px}.price-card{padding:28px}.staging{font-size:.7rem}.actions .button{flex-grow:1}.checklist-download{padding:20px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}@media print{.header,.utility,.footer,.mobile-bar,.staging,.toc,.actions,.aside{display:none!important}.section{padding:20px 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/* Light-lettered transparent logo directly on the navy footer. */
.footer .footer-logo{display:block;width:224px;max-width:100%;padding:0;background:transparent;border:0;border-radius:0;margin:0 0 26px}.footer-logo img{display:block;width:100%;height:auto}

@media(min-width:761px) and (max-width:1050px){.utility .wrap{flex-direction:column;align-items:center;gap:4px}}

/* Direct inquiry submission states */
.form-status[data-state="error"]{background:#fff1ed;border-color:#a3432b;color:#743122}.form-status[data-state="preview"],.form-status[data-state="sending"]{background:#eef3f6;border-color:#6d879b;color:#25465d}[data-form-preview]{border-left:3px solid #b77c4c;padding:10px 14px;background:#f8f3ed}.form-card .button:disabled{opacity:.65;cursor:wait}

.form-grid [hidden]{display:none!important}.form-grid .full{grid-column:1 / -1}

/* Registered brokerage identity stays visible in the top utility bar. */
.utility-identity{display:flex;flex-wrap:wrap;align-items:center;gap:2px 8px}
.utility-identity>span,.utility-identity>strong{white-space:nowrap}
.utility-identity>strong{font-weight:600}
@media(max-width:760px){.utility-identity{justify-content:center;text-align:center}}
/* Official HUD artwork, presented in white directly on the navy footer. */
.footer .equal-housing-logo{display:inline-block;width:64px;margin:4px 0 0;padding:0;line-height:0}
.equal-housing-logo img{display:block;width:64px;height:auto;filter:invert(1);mix-blend-mode:screen}
.footer-bottom .footer-policy-links{display:flex;flex-wrap:wrap;align-items:flex-start;gap:10px 18px}
.footer-bottom .footer-policy-links a{margin:0}
.accessibility-content{max-width:820px}