.credit-panel{padding:24px;background:#f0f7fb;border:1px solid #cbdde9;border-radius:18px}.credit-panel h2{margin:5px 0;font-size:28px}.credit-panel p{margin:8px 0 14px}.credit-inputs{display:flex;gap:16px;margin:16px 0;flex-wrap:wrap}.credit-inputs label{flex:1;min-width:160px;font-size:14px;font-weight:650}.credit-inputs input{display:block;width:100%;padding:12px;border:1px solid #a9c5d8;border-radius:8px;background:white;color:#173b56;font-size:20px;margin-top:5px}.credit-assumptions{font-size:13px;margin:12px 0 20px}.credit-assumptions summary{cursor:pointer}.credit-options{display:grid;grid-template-columns:1fr 1fr;gap:18px}.credit-options article{background:#fff;border:1px solid #d4e3ec;border-radius:12px;padding:20px}.credit-options h3{margin:7px 0;font-size:21px}.credit-number{display:block;color:#12608e;font-size:26px;line-height:1.3;margin:12px 0}.credit-line{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid #e4edf3;padding:9px 0;font-size:14px}.credit-line b{white-space:nowrap}.credit-script{padding:12px;background:#edf7f4;border-left:3px solid #428b79;border-radius:4px;font-size:15px}.credit-alert{background:#fff4df;padding:12px;color:#744b0b;border-radius:7px}.credit-panel small{display:block;font-size:12px;line-height:1.5;color:#526779}.credit-bottom{padding-top:12px;font-size:14px}@media(max-width:700px){.credit-panel{padding:16px}.credit-panel h2{font-size:24px}.credit-options{grid-template-columns:1fr}.credit-options article{padding:16px}.credit-inputs{gap:10px}.credit-inputs label{min-width:120px}.credit-number{font-size:24px}}

.credit-present{margin-top:18px}.credit-present details{padding:12px 0;border-top:1px solid #cbdde9}.credit-present summary{cursor:pointer;font-weight:700;font-size:16px}.credit-present p{font-size:15px;max-width:950px}
.buydown-wide{display:grid;grid-template-columns: .85fr 2fr;gap:24px;background:white;padding:20px;border-radius:12px;border:1px solid #d4e3ec}.buydown-years{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.buydown-year h3{font-size:13px;letter-spacing:.08em;margin:0}.payment-plot{height:110px;display:flex;align-items:end;margin:12px 0;background:repeating-linear-gradient(to top,#edf2f6 0,#edf2f6 1px,transparent 1px,transparent 27px)}.payment-plot>div{width:100%;background:#2970ba;border-radius:6px 6px 0 0;display:flex;align-items:end;padding:9px;color:white}.buydown-year:last-child .payment-plot>div{background:#172f40}.payment-plot span{font-size:12px}.buydown-year>strong{display:block;font-size:27px;color:#173b56}.buydown-year>strong small{font-size:12px;font-weight:400}.buydown-year>b{display:block;font-size:13px;color:#176653;margin-top:6px}.fund-track{height:10px;background:#e5edf2;border-radius:6px;overflow:hidden;margin:14px 0}.fund-track i{display:block;height:100%;background:#287d6c}.buydown-funding{font-size:14px}.buydown-funding p{margin-bottom:8px}.credit-panel .credit-inputs{margin:12px 0}.credit-present details p{margin-bottom:8px}@media(max-width:700px){.buydown-wide{grid-template-columns:1fr;padding:14px;gap:18px}.buydown-years{gap:10px}.buydown-year>strong{font-size:22px}.payment-plot span{font-size:10px}.payment-plot>div{padding:5px}.credit-inputs label{min-width:100%;}.buydown-funding .credit-number{margin:6px 0}.payment-plot{height:90px}}
.credit-present>h3{font-size:26px;margin:24px 0 14px}.conversation-cards{display:grid;grid-template-columns:1fr 1fr;gap:18px}.conversation-cards article{display:flex;flex-direction:column;padding:24px;background:#fff;border:1px solid #bad1e0;border-top:4px solid #2970ba;border-radius:12px}.conversation-cards article:last-child{border-top-color:#287d6c}.conversation-cards h3{font-size:25px;line-height:1.2;margin:10px 0 16px}.credit-present .conversation-cards p{font-size:17px;line-height:1.55;margin:0 0 18px}.conversation-cards .conversation-prompt{background:#edf5fb;padding:16px;border-radius:8px;color:#173b56}.conversation-cards article:last-child .conversation-prompt{background:#edf7f3}.conversation-cards button{margin-top:auto;min-height:46px;padding:12px;background:#175b80;color:white;border:0;border-radius:8px;font-size:15px;font-weight:650;text-align:left}@media(max-width:700px){.conversation-cards{grid-template-columns:1fr}.conversation-cards article{padding:18px}.conversation-cards h3{font-size:23px}}

/* V121: concise conversation cards. */
.conversation-cards article{padding:18px}.conversation-cards h3{font-size:22px;margin:8px 0 12px}.credit-present .conversation-cards p{font-size:15px;line-height:1.45;margin-bottom:14px}.conversation-cards .conversation-prompt{padding:12px}.conversation-cards button{font-size:14px;padding:10px 12px}