/* Helpful Home Buyers in-depth guides. Loaded only on pages with _hhb_guide = 1. */
.hhg,.hhg-bar{--n:#112337;--r:#d81c24;--rd:#b5121b;--ink:#1d2433;--mute:#4a566b;--line:#e4ddd0;--cream:#f6f3ee;--tint:#eef3f9;color:var(--ink);font-size:18px;line-height:1.7}
.hhg *{box-sizing:border-box}
.hhg .fl-row-content-wrap{padding:40px 20px 24px!important;background:#fff}
.hhg .fl-row-content{max-width:1180px!important;margin:0 auto}
.hhg .fl-row-content>.fl-col-group{display:grid!important;grid-template-columns:240px minmax(0,1fr);gap:48px}
.hhg .fl-row-content>.fl-col-group:before,.hhg .fl-row-content>.fl-col-group:after{display:none!important}
.hhg .fl-row-content>.fl-col-group>.fl-col{width:auto!important;float:none!important;max-width:none!important}
.hhg .fl-col-content{padding:0!important;margin:0!important}
.hhg-toc-col .fl-col-content{height:100%}
.hhg-toc-col .fl-module,.hhg-toc-col .fl-module-content{position:sticky;top:110px;margin:0}
.hhg-toc{max-height:calc(100vh - 130px);overflow:auto;font-size:14.5px;line-height:1.4;border-left:3px solid var(--line);padding:2px 0 2px 16px}
.hhg-toc p{font:800 12px/1.2 Montserrat,Inter,Arial,sans-serif;letter-spacing:.08em;text-transform:uppercase;color:var(--mute);margin:0 0 12px}
.hhg-toc a{display:block;color:var(--mute);text-decoration:none;padding:6px 0;margin-left:-19px;padding-left:16px;border-left:3px solid transparent}
.hhg-toc a:hover{color:var(--n)}
.hhg-toc a.is-on{color:var(--n);font-weight:700;border-left-color:var(--r)}
.hhg-toc .hhg-toc__cta{display:block;margin:18px 0 0 -16px;background:var(--r);color:#fff;font-weight:700;text-align:center;padding:12px;border:0}
.hhg-main{min-width:0;max-width:780px}
.hhg-main .fl-module-content{margin:0}
.hhg h2{font:800 31px/1.22 Montserrat,Inter,Arial,sans-serif;color:var(--n);margin:58px 0 18px;scroll-margin-top:110px}
.hhg h3{font:800 22px/1.3 Montserrat,Inter,Arial,sans-serif;color:var(--n);margin:34px 0 12px}
.hhg p{margin:0 0 18px}
.hhg ul,.hhg ol{margin:0 0 20px;padding-left:24px}
.hhg li{margin:0 0 10px}
.hhg a{color:#0f5aa8;text-decoration:underline;text-underline-offset:2px}
.hhg .hhg-k{font:800 12.5px/1.2 Montserrat,Inter,Arial,sans-serif;letter-spacing:.08em;text-transform:uppercase;color:var(--r);margin:0 0 10px}
/* top */
.hhg-eyebrow{font:700 13px/1.3 Inter,Arial,sans-serif;letter-spacing:.06em;text-transform:uppercase;color:var(--r);margin:0 0 10px!important}
.hhg-title{font:800 34px/1.18 Montserrat,Inter,Arial,sans-serif;color:var(--n);margin:0 0 14px!important}
.hhg-dek{font-size:20px;color:var(--mute)}
.hhg-byline{display:flex;gap:14px;align-items:center;margin:6px 0 26px;font-size:14.5px;line-height:1.45;color:var(--mute)}
.hhg-byline img{width:56px;height:56px;border-radius:50%;object-fit:cover}
.hhg-byline strong{display:block;color:var(--n);font-size:16px}
.hhg-byline span{display:block}
.hhg-hero{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:24px;align-items:center;margin:0 0 22px}
.hhg-short{background:var(--n);color:#fff;padding:26px 28px;border-left:6px solid var(--r)}
.hhg-short .hhg-k{color:#ffb3b6}
.hhg-short p{margin:0;font-size:17px;line-height:1.65}
.hhg-short p+p{margin-top:10px}
.hhg-art{margin:0}.hhg-art svg{width:100%;height:auto;display:block}
.hhg-tiles{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:0 0 20px}
.hhg-tiles div{background:var(--cream);border-top:4px solid var(--n);padding:16px 16px 14px}
.hhg-tiles b{display:block;font:800 25px/1.1 Montserrat,Inter,Arial,sans-serif;color:var(--n);margin:0 0 8px}
.hhg-tiles span{display:block;font-size:13.5px;line-height:1.45;color:var(--mute)}
.hhg-tools{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 14px}
.hhg-btn{display:inline-block;font:700 15px/1.2 Inter,Arial,sans-serif;padding:13px 20px;background:var(--r);color:#fff!important;border:2px solid var(--r);border-radius:6px;cursor:pointer;text-decoration:none!important}
.hhg-btn:hover{background:var(--rd);border-color:var(--rd)}
.hhg-btn--ghost{background:#fff;color:var(--n)!important;border-color:var(--n)}
.hhg-btn--ghost:hover{background:var(--n);color:#fff!important;border-color:var(--n)}
.hhg-note{font-size:14px;color:var(--mute);line-height:1.55}
/* answer-first callout: square corners on purpose */
.hhg .hhg-ans{background:#fff7f7;border-left:5px solid var(--r);padding:18px 22px;font-size:18.5px;line-height:1.65;color:var(--ink);margin:0 0 22px}
.hhg-callout{background:var(--tint);border-left:5px solid var(--n);padding:20px 24px;margin:24px 0}
.hhg-callout p:last-child{margin:0}
/* tables */
.hhg-tablewrap{margin:22px 0 26px;overflow-x:auto}
.hhg-table{width:100%;border-collapse:collapse;font-size:15.5px;line-height:1.5;background:#fff}
.hhg-table th{background:var(--n);color:#fff;text-align:left;font:700 13.5px/1.3 Inter,Arial,sans-serif;padding:12px 14px}
.hhg-table td{padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.hhg-table tbody tr:nth-child(even) td{background:#fbfaf7}
.hhg-table td:first-child{color:var(--n)}
.hhg-cap{font-size:13.5px;color:var(--mute);margin:8px 0 0!important;line-height:1.5}
.hhg-fig{margin:26px 0 28px}
.hhg-fig svg{width:100%;height:auto;display:block}
.hhg-fig figcaption{font-size:14px;color:var(--mute);margin-top:10px;text-align:center}
/* checklist + steps */
.hhg-steps{background:var(--cream);padding:26px 28px 18px;margin:24px 0}
.hhg-steps ol{list-style:none;padding:0;margin:0 0 16px;counter-reset:s}
.hhg-steps li{counter-increment:s;position:relative;padding:0 0 18px 54px;margin:0}
.hhg-steps li:before{content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--n);color:#fff;font:800 16px/36px Montserrat,Inter,Arial,sans-serif;text-align:center}
.hhg-steps li b{display:block;color:var(--n);font-size:17.5px;margin-bottom:3px}
.hhg-steps--h ol{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px 28px;margin:0}
.hhg-x{list-style:none;padding:0}
.hhg-x li{position:relative;padding-left:32px}
.hhg-x li:before{content:"✕";position:absolute;left:0;top:1px;color:var(--r);font-weight:800}
.hhg-grid3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:22px 0}
.hhg-grid3>div{border:1px solid var(--line);border-top:4px solid var(--r);padding:18px;font-size:15.5px;line-height:1.55}
.hhg-grid3 p:last-child{margin:0}
.hhg-grid3 .hhg-k{color:var(--n);text-transform:none;letter-spacing:0;font-size:16px}
/* calculator */
.hhg-calc{border:2px solid var(--n);margin:36px 0;background:#fff}
.hhg-calc__head{background:var(--n);color:#fff;padding:22px 26px}
.hhg-calc__head .hhg-k{color:#ffb3b6}
.hhg-calc__head h3{color:#fff;margin:0 0 6px}
.hhg-calc__head p{margin:0;font-size:15px;color:#cdd6e4}
.hhg-calc__in{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px 16px;padding:22px 26px 6px}
.hhg-calc label{display:block;font:600 13.5px/1.35 Inter,Arial,sans-serif;color:var(--n)}
.hhg-calc input,.hhg-calc select{display:block;width:100%;margin-top:6px;padding:11px 12px;font:600 16px Inter,Arial,sans-serif;color:var(--ink);border:1px solid #c6cfdc;border-radius:6px;background:#fff}
.hhg-calc input:focus,.hhg-calc select:focus{outline:2px solid #0f5aa8;outline-offset:1px}
.hhg-calc__cash input{border:2px solid var(--r)}
.hhg-calc__out{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;padding:16px 26px 8px}
.hhg-res{background:var(--cream);padding:18px 20px}
.hhg-res__k{font:800 13px/1.2 Montserrat,Inter,Arial,sans-serif;text-transform:uppercase;letter-spacing:.06em;color:var(--mute);margin:0 0 6px!important}
.hhg-res__n{font:800 32px/1.1 Montserrat,Inter,Arial,sans-serif;color:var(--n);margin:0 0 4px!important}
.hhg-res__per{font-weight:700;color:var(--n);margin:0 0 8px!important;font-size:15px}
.hhg-res__d{font-size:14px;color:var(--mute);margin:0!important;line-height:1.5}
.hhg-calc__diff{margin:6px 26px 0;padding:14px 18px;border-left:5px solid var(--n);background:var(--tint);font-size:15.5px}
.hhg-calc__diff:empty{display:none}
.hhg-calc__note{font-size:12.5px;color:var(--mute);padding:10px 26px 20px;margin:0!important;line-height:1.5}
/* CTA */
.hhg-cta{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:28px;background:var(--n);color:#fff;padding:32px;margin:40px 0;scroll-margin-top:110px}
.hhg-cta .hhg-k{color:#ffb3b6}
.hhg-cta h3{color:#fff;margin:0 0 12px;font-size:25px}
.hhg-cta p{color:#dbe2ec;font-size:16.5px}
.hhg-cta a{color:#fff}
.hhg-cta ul{list-style:none;padding:0;margin:0}
.hhg-cta li{position:relative;padding-left:28px;font-weight:600;margin:0 0 8px}
.hhg-cta li:before{content:"✓";position:absolute;left:0;color:#ff8a8f;font-weight:800}
.hhg-cta__form{background:#fff;color:var(--ink);padding:20px 22px;border-radius:8px}
/* FAQ */
.hhg-faq details{border-bottom:1px solid var(--line)}
.hhg-faq details:first-child{border-top:1px solid var(--line)}
.hhg-faq summary{cursor:pointer;list-style:none;padding:18px 40px 18px 0;position:relative;font:700 17.5px/1.4 Inter,Arial,sans-serif;color:var(--n)}
.hhg-faq summary::-webkit-details-marker{display:none}
.hhg-faq summary:after{content:"+";position:absolute;right:6px;top:12px;font:400 28px/1 Inter,Arial,sans-serif;color:var(--r)}
.hhg-faq details[open] summary:after{content:"−"}
.hhg-faq details p{margin:0 0 18px;font-size:16.5px;color:var(--ink)}
.hhg-related{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.hhg-related>div{background:var(--cream);padding:18px 20px}
.hhg-related a{display:block;margin:0 0 9px;font-size:15.5px;line-height:1.4}
.hhg-sources{font-size:14.5px;line-height:1.55;color:var(--mute)}
.hhg-author{display:flex;gap:20px;align-items:flex-start;border-top:4px solid var(--n);background:var(--cream);padding:24px;margin:40px 0 10px}
.hhg-author img{width:96px;height:96px;border-radius:50%;object-fit:cover;flex:none}
.hhg-author h3{margin:0 0 8px}
.hhg-author p{font-size:15.5px;margin:0 0 10px}
.hhg-author p:last-child{margin:0}
/* mobile toc + bar */
.hhg-mtoc{display:none}
.hhg-bar{display:none}
@media (max-width:1024px){
 .hhg .fl-row-content>.fl-col-group{grid-template-columns:minmax(0,1fr);gap:0}
 .hhg .fl-row-content-wrap{padding-top:28px!important}
 .hhg-toc-col{display:none!important}
 .hhg-mtoc{display:block;background:var(--cream);margin:0 0 20px}
 .hhg-mtoc summary{cursor:pointer;padding:14px 18px;font:800 15px Montserrat,Inter,Arial,sans-serif;color:var(--n)}
 .hhg-mtoc a{display:block;padding:8px 18px;font-size:15.5px;border-top:1px solid var(--line);text-decoration:none}
 .hhg-main{max-width:none}
}
@media (max-width:767px){
 .hhg{font-size:17px}
 .hhg .fl-row-content-wrap{padding:22px 16px 40px!important}
 .hhg h2{font-size:25px;margin-top:44px}
 .hhg h3{font-size:20px}
 .hhg-title{font-size:26px}
 .hhg-dek{font-size:17.5px}
 .hhg-hero{grid-template-columns:1fr}
 .hhg-art{display:none}
 .hhg-tiles{grid-template-columns:repeat(2,minmax(0,1fr))}
 .hhg-tiles b{font-size:21px}
 .hhg-grid3,.hhg-related,.hhg-steps--h ol,.hhg-calc__out,.hhg-cta{grid-template-columns:1fr}
 .hhg-calc__in{grid-template-columns:1fr 1fr;padding:18px 16px 4px}
 .hhg-calc__in label:nth-last-child(-n+2){grid-column:1/-1}
 .hhg-calc__out{padding:14px 16px 6px}
 .hhg-calc__head,.hhg-calc__note{padding-left:16px;padding-right:16px}
 .hhg-calc__diff{margin:6px 16px 0}
 .hhg-cta{padding:24px 18px}
 .hhg-table{font-size:14.5px}
 .hhg-author{flex-direction:column}
 .hhg-bar{display:grid;grid-template-columns:1fr 1fr 1.4fr;position:fixed;left:0;right:0;bottom:0;z-index:9990;background:#fff;box-shadow:0 -4px 18px rgba(17,35,55,.18);padding:8px;gap:8px;transform:translateY(110%);transition:transform .25s}
 .hhg-bar.is-on{transform:none}
 .hhg-bar a{display:block;text-align:center;padding:12px 6px;font:700 15px Inter,Arial,sans-serif;text-decoration:none;border:2px solid var(--n);color:var(--n);border-radius:6px}
 .hhg-bar a:last-child{background:var(--r);border-color:var(--r);color:#fff}
}
@media print{
 body *{visibility:hidden!important}
 .hhg-printing,.hhg-printing *{visibility:visible!important}
 .hhg-printing{position:absolute;left:0;top:0;width:100%;background:#fff!important}
 .hhg-noprint{display:none!important}
}
/* theme overrides: the theme forces every <p> to 20px and .fl-page to overflow:hidden (which stops the sticky contents list) */
html body .fl-page{overflow:clip!important}
.hhg p:not([class]),.hhg li,.hhg td{font-size:inherit}
.hhg p:not([class]){font-size:inherit!important;line-height:1.7}
.hhg p.hhg-title{font-size:34px!important;line-height:1.18}
.hhg p.hhg-dek{font-size:20px!important;line-height:1.55}
.hhg p.hhg-eyebrow{font-size:13px!important}
.hhg p.hhg-k{font-size:12.5px!important;line-height:1.3}
.hhg .hhg-grid3 p.hhg-k{font-size:16px!important}
.hhg p.hhg-ans{font-size:18.5px!important}
.hhg p.hhg-note{font-size:14px!important}
.hhg p.hhg-cap{font-size:13.5px!important}
.hhg p.hhg-res__k{font-size:13px!important}
.hhg p.hhg-res__n{font-size:32px!important}
.hhg p.hhg-res__per{font-size:15px!important}
.hhg p.hhg-res__d{font-size:14px!important}
.hhg p.hhg-calc__note{font-size:12.5px!important}
.hhg p.hhg-calc__diff{font-size:15.5px!important}
.hhg .hhg-short p:not(.hhg-k){font-size:17px!important}
.hhg .hhg-calc__head p:not(.hhg-k){font-size:15px!important}
.hhg .hhg-cta p:not(.hhg-k){font-size:16.5px!important}
.hhg .hhg-grid3 p:not(.hhg-k){font-size:15.5px!important}
.hhg .hhg-faq details p{font-size:16.5px!important}
.hhg .hhg-author p:not(.hhg-k){font-size:15.5px!important}
.hhg .hhg-toc p{font-size:12px!important}
.hhg .hhg-toc a{text-decoration:none}
@media (max-width:767px){
 .hhg p.hhg-title{font-size:26px!important}
 .hhg p.hhg-dek{font-size:17.5px!important}
 .hhg p.hhg-ans{font-size:17px!important}
 .hhg p.hhg-res__n{font-size:28px!important}
}
.hhg h2{font-size:31px!important}
.hhg h3{font-size:22px!important}
.hhg .hhg-cta h3{font-size:25px!important}
.hhg-calc input,.hhg-calc select{color:#1d2433!important;background:#fff!important;-webkit-text-fill-color:#1d2433}
.hhg-calc input::placeholder{color:#8a94a6;-webkit-text-fill-color:#8a94a6}
@media (max-width:767px){.hhg h2{font-size:25px!important}.hhg h3{font-size:20px!important}}
@media (max-width:1024px){.hhg .fl-row-content>.fl-col-group>.fl-col.hhg-main{width:100%!important;max-width:100%!important;min-width:0!important;margin:0!important}}
.hhg-calc__in{align-items:end}
@media (max-width:767px){.hhg-fig{overflow-x:auto;-webkit-overflow-scrolling:touch}.hhg-fig svg{min-width:660px}.hhg-fig figcaption{text-align:left}.hhg-fig:after{content:"Swipe to see the whole chart →";display:block;font-size:13px;color:#4a566b;margin-top:6px}}
.hhg-quote{margin:26px 0;padding:20px 24px;background:var(--cream);border-left:5px solid var(--n)}
.hhg .hhg-quote p{font-size:18px!important;font-style:italic;margin:0 0 8px;color:var(--ink)}
.hhg-quote cite{font-style:normal;font-weight:700;color:var(--n);font-size:15px}
.hhg h1.hhg-title{font:800 34px/1.18 Montserrat,Inter,Arial,sans-serif!important;color:var(--n);margin:0 0 14px!important;letter-spacing:0;text-transform:none}
@media (max-width:767px){.hhg h1.hhg-title{font-size:26px!important}}