:root{--navy:#061a3e;--blue:#0868d7;--bright:#00a5ff;--sky:#eaf3ff;--ink:#182c49;--muted:#566b84;--line:#d7e1ed;--bg:#f3f6fa;--silver:#dce4ef}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;font:16px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff}a{color:inherit;text-decoration:none}button,input{font:inherit}button{cursor:pointer}img{max-width:100%}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #17a7ff;outline-offset:5px}.wrap{width:min(1200px,calc(100% - 48px));margin:0 auto}.skip-link{position:fixed;z-index:30;top:-100px;left:16px;background:white;padding:12px;color:var(--navy)}.skip-link:focus{top:12px}
.top{position:sticky;z-index:20;top:0;background:#061a3ef5;backdrop-filter:blur(16px);border-bottom:1px solid #a3c5ef40;box-shadow:0 3px 18px #061a3e15}.topinner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:94px}.brand{display:flex;align-items:center;gap:12px;flex-shrink:0;color:white}.brand img{width:76px;height:76px;object-fit:contain}.brandstrong{display:block;font-family:Georgia,serif;font-size:25px;line-height:1.15;letter-spacing:.1em;font-weight:800;color:#f2f7ff;text-shadow:0 1px 8px #0a88ff66}.brandsub{display:block;margin-top:5px;font-size:10px;font-weight:600;letter-spacing:.025em;color:#bfcee4}.top nav{display:flex;align-items:center;gap:21px;font-size:13px;font-weight:650;color:#d9e5f5}.top nav a{white-space:nowrap}.top nav a:hover,.top nav a[aria-current=page]{color:#7fcaff}.top nav .nav-contact{padding:10px 17px;color:#fff}.top nav .nav-contact[aria-current=page]{color:#fff;box-shadow:0 0 0 2px #a2d6ff}.menubtn{display:none;background:none;border:1px solid #6b94c36b;border-radius:8px;padding:10px;color:white;width:43px;height:43px;flex-shrink:0}.menubtn span{height:2px;width:21px;background:#fff;display:block;margin:4px auto}
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.trust-strip{border-bottom:1px solid var(--line);background:linear-gradient(100deg,#f1f5fa,#fff,#e8eef6);color:#314b6d;font-size:12px;font-weight:700;letter-spacing:.025em}.trust-strip .wrap{display:flex;justify-content:center;gap:70px;padding:18px 0}.trust-strip span{display:flex;align-items:center;gap:10px}.trust-strip span:before{content:"✓";color:var(--blue);font-weight:900}
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.pagehero{padding:68px 0}.pagehero>.wrap{position:relative;z-index:1}.pagehero h1{font-family:Georgia,serif;font-size:clamp(36px,4.4vw,55px);line-height:1.16;color:#fff;margin:13px 0 22px;letter-spacing:-1px;max-width:900px}.pagehero p{max-width:800px;font-size:18px;line-height:1.8;color:#cad9ed}.pagehero .btn{margin-top:5px}.about-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);align-items:center;gap:70px}.about-portrait{border:1px solid #b3c7df;border-radius:15px;overflow:hidden;box-shadow:0 20px 45px #071d3c14}.about-portrait img{width:100%;display:block}.about-grid .eyebrow{margin-bottom:16px}.about-grid p{color:var(--muted)}.service-scope{margin-top:28px;max-width:1020px}
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@media(min-width:1600px){.hero-grid{gap:90px}.hero{padding:82px 0}.hero h1{font-size:61px}}
@media(max-width:1120px){.top nav{gap:14px;font-size:12px}.brand img{width:64px;height:64px}.brandstrong{font-size:22px}.brandsub{font-size:9px}.topinner{min-height:86px}.hero-grid{gap:35px}.hero h1{font-size:46px}.hero p{font-size:16px}.hero-services{font-size:10px;gap:9px}.portrait-frame figcaption{padding:15px 20px}.trust-strip .wrap{gap:38px}.card{padding:24px}.split{gap:45px}}
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@media(max-width:420px){.hero h1{font-size:37px}.hero .actions{flex-direction:column}.hero .actions .btn{width:100%;font-size:13px}.fieldset{grid-template-columns:1fr}.metrics{gap:8px}.metric{padding:11px}.metric strong{font-size:18px}.pagehero h1{font-size:33px}.brandstrong{font-size:19px}.brandsub{font-size:7.5px}.brand img{width:54px;height:54px}.hero .eyebrow{font-size:8px}.calculator-page .form-grid{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}
@media print{.top,.foot,.skip-link,.menubtn,.actions,.banner{display:none!important}.hero,.pagehero{background:#fff!important;color:#111;border:none;padding:20px 0}.hero h1,.pagehero h1,.hero p,.pagehero p,.eyebrow{color:#111!important}.wrap{width:100%}.result{position:static;background:#fff!important;color:#111;border:1px solid #777}.result h2,.result strong,.result span,.result .disclaimer,.result .mini{color:#111!important}.calculator-page .result .notice{color:#111!important}section{padding:20px 0}}

.calculator-page section.calculator{padding:0}

/* Preserve the original portrait proportions on every screen. */
.portrait-frame img,.about-portrait img{width:100%;height:auto;aspect-ratio:auto;object-fit:contain;object-position:center;display:block}

/* Howard Financial logo: preserve the full artwork at every screen size. */
html{scroll-padding-top:128px}
.topinner{min-height:120px}
.brand.brand-logo{display:inline-flex;line-height:0}
.brand.brand-logo img{display:block;width:104px;height:104px;object-fit:contain}
.foot .footer-logo{display:inline-block;margin:0 0 12px;line-height:0}
.footer-logo img{display:block;width:160px;height:160px;object-fit:contain}
.result{top:140px}
.calculator-page .result{scroll-margin-top:132px}
@media(max-width:960px){.top nav{max-height:calc(100vh - 120px);max-height:calc(100dvh - 120px)}}
@media(max-width:720px){
 html{scroll-padding-top:120px}
 .topinner{min-height:112px}
 .brand.brand-logo img{width:96px;height:96px}
 .top nav{max-height:calc(100vh - 112px);max-height:calc(100dvh - 112px)}
 .footer-logo img{width:144px;height:144px}
}