/* Ballard: mobile-first branded section rhythm. Screen-only; approved print remains intact. */
@media screen{
body.ballard-design{background:#fff;font-size:16px;line-height:1.65;--section-space:52px;--page-gutter:20px;--navy:#001b2e;--ink:#14384d;--pale:#edf6fa}
.ballard-design main{max-width:none;padding:0;margin:0;overflow:clip}
.ballard-design main>section,.ballard-design main>aside,.ballard-design .ballard-finance-intro,.ballard-design .property-return{padding-left:max(var(--page-gutter),calc((100% - 1160px)/2));padding-right:max(var(--page-gutter),calc((100% - 1160px)/2));margin:0;border-radius:0}
.ballard-design main>section{padding-top:var(--section-space);padding-bottom:var(--section-space)}
.ballard-design main h1,.ballard-design main h2,.ballard-design main h3{text-transform:none;letter-spacing:-.015em}
.ballard-design main h2{font:600 clamp(34px,4.6vw,52px)/1.06 "Barlow Condensed",sans-serif}
.ballard-design .eyebrow{font-size:11px;letter-spacing:.12em;line-height:1.5;margin:0 0 14px;color:#386076}
.ballard-design .intro{background:#fff;border:0;padding-top:30px;padding-bottom:36px}
.ballard-design .intro .financing-hook{font-size:clamp(42px,6vw,64px);line-height:1.03;letter-spacing:-.02em;margin:0 0 20px;text-transform:none}
.ballard-design .intro .financing-hook span{display:block;white-space:normal;color:#007da8;font-size:.78em;line-height:1.14;margin-top:9px}
.ballard-design .intro .property-address{font-size:clamp(25px,3vw,34px);line-height:1.2;margin:0 0 20px}
.ballard-design .intro .property-address span{display:block;font:400 15px/1.6 "DM Sans",sans-serif;color:#426172;margin-top:4px}
.ballard-design .intro .open-house-event{display:block;padding:19px 22px;margin:0 0 24px;border-radius:16px;background:#001b2e;max-width:440px}
.ballard-design .open-house-event strong{display:block;font:600 19px/1.4 "DM Sans",sans-serif;color:#fff}
.ballard-design .open-house-event span{display:block;font-size:44px;line-height:1.1;color:#91deff;margin-top:6px}
.ballard-design .intro>.ballard-photo{margin:0 0 22px}
.ballard-design .ballard-photo img{border-radius:18px}
.ballard-design .ballard-photo figcaption{font-size:11px;line-height:1.55;color:#416073;margin-top:10px}
.ballard-design .intro .property-line{display:block;padding:0 0 14px;margin:0}
.ballard-design .intro .property-line>span{font-size:14px;display:block;margin-bottom:9px}
.ballard-design .intro .property-line strong{font:600 36px/1.2 "Barlow Condensed",sans-serif;display:block;margin:0;color:#001b2e}
.ballard-design .intro .property-line small{font:400 12px "DM Sans",sans-serif;display:inline;margin-left:8px;text-transform:none}
.ballard-design .intro>.attribution{font-size:12px;line-height:1.6;color:#476476;margin:0 0 12px}
.ballard-design .intro>p:not(.eyebrow):not(.attribution):not(.open-house-event){font-size:16px;line-height:1.6;margin:0 0 22px}
.ballard-primary-action{display:inline-flex;align-items:center;justify-content:center;gap:18px;min-height:52px;padding:13px 22px;background:#001b2e;color:#fff;border-radius:100px;font-weight:700;text-decoration:none;font-size:14px;width:100%}
.ballard-primary-action:hover{background:#005f83;color:#fff}
.ballard-design .ballard-overview{background:#edf6fa;border:0;display:block}
.ballard-design .ballard-overview h2{margin-bottom:20px}
.ballard-design .ballard-overview p{max-width:80ch;font-size:16px;line-height:1.7;margin:0 0 16px}
.ballard-design .ballard-overview p:nth-last-child(-n+2){font-size:13px;color:#426172;margin:14px 0 0}
.ballard-design .indoor-outdoor{background:#fff}
.ballard-design .indoor-outdoor h2{max-width:24ch;margin:0 0 28px}
.ballard-design .supporting-gallery{display:grid;grid-template-columns:minmax(0,1fr);gap:30px}
.ballard-design .supporting-gallery figure{margin:0;max-width:none;background:#f3f7f9;border-radius:20px;overflow:hidden}
.ballard-design .supporting-gallery img{border-radius:0}
.ballard-design .supporting-gallery figcaption{padding:16px 20px 20px;margin:0}
.ballard-design .ballard-finance-intro{padding-top:var(--section-space);padding-bottom:24px;background:#eaf3f8;display:block}
.ballard-design .ballard-finance-intro h2{margin:0}
.ballard-design .ballard-print-action{margin:24px 0 0;display:flex;flex-wrap:wrap;justify-content:flex-start;gap:10px;text-align:left}
.ballard-design .ballard-print-action a,.ballard-design .ballard-print-action button{font:700 13px/1.4 "DM Sans",sans-serif;padding:13px 18px;min-height:48px;display:inline-flex;align-items:center;justify-content:center}
.ballard-design .ballard-financing{background:#eaf3f8;padding-top:0}
.ballard-design .ballard-financing .financing-frame{border:0;padding:0;background:transparent;box-shadow:none}
.ballard-design .ballard-financing .scenario{border:1px solid #d1e2ea;border-radius:22px;box-shadow:none;overflow:hidden;background:white}
.ballard-design .ballard-financing .card-top{padding:26px 22px 10px;background:white}
.ballard-design .ballard-financing .card-top h2{font-size:32px;line-height:1.15;color:#001b2e}
.ballard-design .ballard-financing .card-top h2 span{font-size:inherit}
.ballard-design .ballard-financing .quote-date{font-size:12px;line-height:1.7;padding:0 22px;margin:0;color:#496475}
.ballard-design .ballard-financing .single-highlights{display:grid;grid-template-columns:minmax(0,1fr);gap:12px;padding:22px}
.ballard-design .ballard-financing .single-highlights>div{padding:20px;border-radius:14px;min-width:0;border:1px solid #d1e2ea}
.ballard-design .ballard-financing .single-highlights>div:first-child{background:#001b2e;border:0}
.ballard-design .ballard-financing .single-highlights>div:nth-child(3){background:#eef7fb;border:1px solid #c7e4ef}
.ballard-design .ballard-financing .single-highlights span{font-size:13px;line-height:1.5}
.ballard-design .ballard-financing .single-highlights strong{font-size:40px;line-height:1.1;margin-top:12px;overflow-wrap:anywhere}
.ballard-design .ballard-financing .credit-waterfall{margin:0 22px 26px;padding:22px 18px;border:0;border-radius:16px;background:#eef7fb;box-shadow:none}
.ballard-design .credit-waterfall-heading{display:block}
.ballard-design .credit-waterfall-heading h3{font-size:30px;line-height:1.1;max-width:22ch}
.ballard-design .credit-waterfall-heading p{font-size:13px;margin-top:12px}
.ballard-design .credit-waterfall dl>div{display:block;padding:16px 0}
.ballard-design .credit-waterfall dt{font-size:14px;line-height:1.5}
.ballard-design .credit-waterfall dt small{font-size:12px;line-height:1.5;display:block;margin-top:4px}
.ballard-design .credit-waterfall dd{font:600 29px/1.2 "Barlow Condensed",sans-serif;margin:8px 0 0;white-space:normal}
.ballard-design .credit-waterfall .credit-final{padding:20px 16px;margin:14px 0 0;border-radius:12px;background:#001b2e;color:white}
.ballard-design .credit-waterfall .credit-final dd{font-size:38px;color:white}
.ballard-design .ballard-financing .single-loan-terms{margin:0 22px 18px;display:flex;gap:28px;flex-wrap:wrap}
.ballard-design .single-loan-terms span{font-size:13px}
.ballard-design .single-loan-terms strong{font-size:30px}
.ballard-design .ballard-financing .ballard-disclosures{padding:0 22px 24px}
.ballard-design .ballard-essential-disclaimer{font-size:13px;line-height:1.65}
.ballard-design .ballard-full-disclosures summary{font-size:14px;min-height:58px}
.ballard-design .ballard-full-disclosures dl>div{flex-wrap:wrap}
.ballard-design .ballard-rate-trend{background:#fff}
.ballard-design .ballard-rate-trend .bo-rate-module{border:0;border-radius:0;padding:0;box-shadow:none;background:white}
.ballard-design .ballard-rate-trend .bo-rate-heading{display:block;margin-bottom:24px}
.ballard-design .ballard-rate-trend .bo-rate-heading h3{font-size:36px;margin:12px 0 20px}
.ballard-design .ballard-rate-trend select{min-height:48px;font-size:16px;border-radius:10px;width:100%;background:#f0f6f9}
.ballard-design .ballard-rate-trend .bo-data-note{font-size:13px;line-height:1.65}
.ballard-design .ballard-rate-trend .bo-chart-legend{font-size:13px;flex-wrap:wrap}
.ballard-design .ballard-rate-trend .bo-rate-table-wrap{max-width:100%;overflow:auto}
.ballard-design .ballard-rate-trend summary{min-height:48px;font-size:14px;align-items:center}
.ballard-design .contact{background:#001b2e;color:#fff;display:block;box-shadow:none}
.ballard-design .contact .eyebrow{color:#8cddff}
.ballard-design .contact h2{color:white;font-size:42px;line-height:1.1;margin:0 0 24px;max-width:22ch}
.ballard-design .contact p{font-size:16px;line-height:1.7;color:#d6e7f0}
.ballard-design .contact .text-contact{margin-top:28px;max-width:none;width:100%;padding:26px;background:#10374d;border-radius:20px}
.ballard-design .contact .conversation-invitation{font-size:21px;line-height:1.4;color:white}
.ballard-design .contact .contact-link{display:flex;justify-content:center;align-items:center;gap:15px;background:white;color:#001b2e;font:700 18px "DM Sans",sans-serif;padding:16px 22px;border-radius:99px;text-decoration:none;min-height:54px}
.ballard-design .contact .text-contact>span{display:block;font-size:14px;color:#cfdfeb;text-align:center;margin-top:14px}
.ballard-design .ballard-listing-contact{background:#edf6fa;border:0;display:block}
.ballard-design .ballard-listing-contact h2{font-size:36px}
.ballard-design .ballard-listing-contact p{font-size:15px;max-width:65ch;line-height:1.65;margin:18px 0}
.ballard-design .ballard-listing-contact .contact-link{display:inline-flex;align-items:center;min-height:50px;padding:13px 20px;background:#fff;border:1px solid #a9c9d8;border-radius:99px;color:#001b2e;font:700 15px "DM Sans",sans-serif;white-space:normal;text-decoration:none}
.ballard-design .client-reviews{background:white}
.ballard-design .client-reviews h2{font-size:40px;margin:0 0 20px;color:#001b2e}
.ballard-design .client-reviews h2 span{color:#007da8}
.ballard-design .review-grid{grid-template-columns:minmax(0,1fr);gap:16px;margin-top:28px}
.ballard-design .review-grid figure{border:0;background:#f1f6f8;padding:26px;border-radius:18px}
.ballard-design .review-grid blockquote{font-size:28px;line-height:1.3}
.ballard-design .review-grid figcaption{font-size:12px;line-height:1.6}
.ballard-design .all-reviews{font-size:14px;padding:10px 0;min-height:44px}
.ballard-design .bbb-profile{background:#edf6fa;border:0;padding-top:36px;padding-bottom:36px;display:block}
.ballard-design .bbb-profile h3{font-size:30px}
.ballard-design .bbb-profile>div>a{font-size:14px;display:inline-block;padding:8px 0}
.ballard-design .bbb-graphic{width:180px;margin:24px 0 0}
.ballard-design .appointment{background:#001b2e;display:block;box-shadow:none}
.ballard-design .appointment .eyebrow{color:#91deff}
.ballard-design .appointment h2{font-size:40px;color:white}
.ballard-design .appointment>a{display:flex;align-items:center;justify-content:center;min-height:54px;border-radius:99px;background:#fff;color:#001b2e;font-size:15px;padding:15px 22px;white-space:normal;margin-top:24px}
.ballard-design .property-return{padding-top:28px;padding-bottom:28px;background:#fff;font-size:14px}
.ballard-design .property-return a{display:inline-flex;min-height:44px;align-items:center}
.ballard-design main a:focus-visible,.ballard-design main button:focus-visible,.ballard-design main select:focus-visible{outline:3px solid #007da8;outline-offset:4px}
@media(min-width:720px){
body.ballard-design{--section-space:72px;--page-gutter:36px}
.ballard-design .supporting-gallery{grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.ballard-design .ballard-financing .single-highlights{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;padding:30px}
.ballard-design .ballard-financing .card-top{padding:32px 30px 14px}
.ballard-design .ballard-financing .quote-date{padding:0 30px}
.ballard-design .ballard-financing .credit-waterfall{margin:0 30px 30px;padding:30px}
.ballard-design .credit-waterfall dl>div{display:flex;justify-content:space-between;gap:30px;align-items:center}
.ballard-design .credit-waterfall dd{margin:0;white-space:nowrap}
.ballard-design .credit-waterfall .credit-final{padding:24px}
.ballard-design .ballard-financing .single-loan-terms{margin-left:30px;margin-right:30px}
.ballard-design .ballard-financing .ballard-disclosures{padding:0 30px 30px}
.ballard-design .ballard-rate-trend .bo-rate-heading{display:flex;justify-content:space-between;align-items:center;gap:28px}
.ballard-design .ballard-rate-trend .bo-rate-heading h3{font-size:46px;margin-bottom:0}
.ballard-design .ballard-rate-trend label{min-width:180px}
.ballard-design .review-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.ballard-design .bbb-profile{display:flex;align-items:center;justify-content:space-between;gap:40px}
.ballard-design .bbb-graphic{margin:0}
.ballard-design .appointment{display:flex;align-items:center;justify-content:space-between;gap:40px}
.ballard-design .appointment>a{margin:0;width:auto}
}
@media(min-width:1040px){
.ballard-design .intro{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:0 46px;padding-top:46px;padding-bottom:66px;align-items:start}
.ballard-design .intro>*{grid-column:1;min-width:0}
.ballard-design .intro>.ballard-photo{grid-column:2;grid-row:1/10;margin:0;align-self:center}
.ballard-design .intro .financing-hook{font-size:58px}
.ballard-design .intro .open-house-event{margin-bottom:20px}
.ballard-primary-action{width:max-content;max-width:100%}
.ballard-design .ballard-finance-intro{display:flex;justify-content:space-between;align-items:end;gap:36px}
.ballard-design .ballard-print-action{margin:0;flex-shrink:0}
.ballard-design .contact{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(0,1fr);gap:70px;align-items:center}
.ballard-design .contact .text-contact{margin:0;padding:36px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
}
@media print{.ballard-finance-intro{display:none!important}}
@media screen{.ballard-design .ballard-financing .single-highlights>div:first-child span,.ballard-design .ballard-financing .single-highlights>div:first-child strong{color:#fff!important}.ballard-design .ballard-financing .credit-waterfall{border-radius:16px!important}.ballard-design .ballard-financing .credit-waterfall-heading h3{max-width:none}}
@media screen{.ballard-design .client-reviews{display:block}.ballard-design .client-reviews .review-statement{padding:0;min-height:0;background:transparent;border:0;color:#001b2e}.ballard-design .client-reviews .review-statement h2{color:#001b2e;max-width:25ch;margin:0 0 16px}.ballard-design .client-reviews .review-statement h2 span{color:#007da8}.ballard-design .client-reviews .review-statement .eyebrow{color:#386076}.ballard-design .client-reviews .review-statement .all-reviews{color:#005f83;margin:0}.ballard-design .contact .contact-link,.ballard-design .ballard-listing-contact .contact-link{font-family:"DM Sans",sans-serif!important}.ballard-design .ballard-financing .card-top h2{white-space:normal}.ballard-design .guide-header{min-height:0}.ballard-design .ballard-financing{scroll-margin-top:20px}}
@media screen{.ballard-design main>.listing-contacts{margin-top:0!important;margin-bottom:0!important}}

/* v230: the dated rate option is distinct from credits and cash-to-close arithmetic. */
.ballard-design .wholesale-rate-option{margin:22px 0 14px;padding:22px;background:#fff;border:1px solid #d5e5ed;border-radius:14px;color:#001b2e}
.ballard-design .wholesale-rate-option h4{font:700 20px/1.25 DM,Arial,sans-serif;margin:0 0 12px;letter-spacing:-.02em}
.ballard-design .wholesale-rate-option>p{font-size:14px;line-height:1.65;color:#3c596b;margin:0}
.ballard-design .ballard-financing .wholesale-rate-option .single-loan-terms{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:20px 0 18px;padding:18px 0;border-top:1px solid #dce8ee;border-bottom:1px solid #dce8ee}
.ballard-design .wholesale-rate-option .single-loan-terms>div{min-width:0}
.ballard-design .wholesale-rate-option .single-loan-terms strong{font-size:34px;line-height:1.2;color:#001b2e}
.ballard-design .wholesale-rate-option>.wholesale-rate-date{font-size:12px;line-height:1.6}
@media(max-width:420px){.ballard-design .wholesale-rate-option{padding:18px 16px}.ballard-design .wholesale-rate-option h4{font-size:18px}.ballard-design .wholesale-rate-option .single-loan-terms strong{font-size:30px}}
@media print{.ballard-design .wholesale-rate-option{background:white!important;border:1px solid #c7dce8!important;padding:12px!important;break-inside:avoid}.ballard-design .wholesale-rate-option h4{font-size:12pt!important}.ballard-design .wholesale-rate-option>p{font-size:9pt!important}.ballard-design .ballard-financing .wholesale-rate-option .single-loan-terms{margin:10px 0!important;padding:8px 0!important}.ballard-design .wholesale-rate-option .single-loan-terms strong{font-size:20pt!important}}
/* Rate sensitivity: crawlable comparisons, no additional runtime or imagery. */
.ballard-financing .ballard-full-disclosures .wholesale-eligibility,.ballard-financing .ballard-print-disclosures .wholesale-eligibility{margin-bottom:24px}
@media screen{
.ballard-design .ballard-rate-sensitivity{background:#edf6fa;color:#001b2e}
.ballard-rate-sensitivity p{max-width:84ch}
.ballard-rate-sensitivity .rate-sensitivity-heading{display:block;max-width:850px;margin:0 0 40px}
.ballard-rate-sensitivity .rate-sensitivity-heading h2{margin:0 0 22px}
.ballard-rate-sensitivity .rate-sensitivity-heading>p:last-child{font-size:17px;line-height:1.7;color:#37586b;margin:0}
.ballard-rate-sensitivity h3{font:600 clamp(27px,3.2vw,36px)/1.15 "Barlow Condensed",sans-serif;margin:0 0 16px;color:#001b2e}
.ballard-rate-sensitivity .sensitivity-intro{font-size:15px;line-height:1.7;color:#37586b;margin:0 0 24px}
.sensitivity-payment-grid,.sensitivity-budget-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:16px}
.sensitivity-payment-card{min-width:0;background:#fff;border:1px solid #cddfe8;border-radius:18px;padding:26px 24px}
.sensitivity-payment-card.benchmark{background:#001b2e;color:#fff;border-color:#001b2e}
.sensitivity-payment-card .sensitivity-scenario-label{margin:0 0 18px;font-size:12px;font-weight:600;line-height:1.55;color:#3b6175}
.sensitivity-payment-card.benchmark .sensitivity-scenario-label{color:#9bdfff}
.sensitivity-payment-card h4{font:600 50px/1 "Barlow Condensed",sans-serif;color:inherit;margin:0 0 24px;letter-spacing:-.02em}
.sensitivity-payment-card .sensitivity-payment-label{font-size:13px;line-height:1.5;margin:0 0 4px;color:#416377}
.sensitivity-payment-card.benchmark .sensitivity-payment-label{color:#bdd5e1}
.sensitivity-payment-card .sensitivity-payment{font:700 clamp(26px,3.2vw,34px)/1.2 "DM Sans",sans-serif;letter-spacing:-.045em;margin:0 0 24px;color:inherit}
.sensitivity-change{padding-top:18px;border-top:1px solid #cddfe8}
.benchmark .sensitivity-change{border-color:#32576c}
.sensitivity-change strong{font-size:19px;line-height:1.5}
.sensitivity-change strong span{font-size:12px;font-weight:400}
.sensitivity-change p{font-size:12px;line-height:1.6;margin:5px 0 0}
.ballard-rate-sensitivity .sensitivity-note{font-size:13px;line-height:1.7;color:#416377;margin:18px 0 0}
.sensitivity-buying-power{margin-top:44px;padding-top:36px;border-top:1px solid #bdd4df}
.sensitivity-budget-heading{margin-bottom:24px;max-width:790px}
.sensitivity-budget-heading>p:last-child{font-size:15px;line-height:1.7;margin:0;color:#37586b}
.sensitivity-budget-card{min-width:0;background:#fff;border:1px solid #cddfe8;border-radius:16px;padding:24px}
.sensitivity-budget-card h4{font:600 26px/1.2 "Barlow Condensed",sans-serif;margin:0 0 18px;color:#007294}
.sensitivity-budget-price{margin:0 0 20px}
.sensitivity-budget-price span{display:block;font-size:12px;line-height:1.5;color:#496a7c;margin-bottom:6px}
.sensitivity-budget-price strong{display:block;font:700 clamp(25px,3vw,31px)/1.2 "DM Sans",sans-serif;letter-spacing:-.035em}
.sensitivity-budget-card dl{margin:0}
.sensitivity-budget-card dl>div{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;border-top:1px solid #e0e9ee;padding:11px 0;font-size:13px;line-height:1.6}
.sensitivity-budget-card dt{color:#496a7c}.sensitivity-budget-card dd{margin:0;font-weight:700}
.sensitivity-budget-card .sensitivity-budget-change{font-size:12px;line-height:1.6;margin:12px 0 0;color:#325a70}
.ballard-rate-sensitivity .sensitivity-caution{font-size:13px;line-height:1.8;color:#37586b;margin:22px 0 0}
.sensitivity-caution strong{color:#001b2e}
.sensitivity-method{margin-top:28px;border-top:1px solid #bdd4df;border-bottom:1px solid #bdd4df}
.sensitivity-method summary{min-height:52px;padding:14px 0;cursor:pointer;font-size:14px;font-weight:700;color:#001b2e}
.sensitivity-method p{font-size:13px;line-height:1.8;color:#37586b;margin:0 0 20px}
.sensitivity-market-note{margin:36px 0 0;background:#fff;border-left:4px solid #00a6e5;border-radius:0 16px 16px 0;padding:26px 22px}
.sensitivity-market-note h3{font-size:29px}
.sensitivity-market-note p:not(.eyebrow){font-size:14px;line-height:1.8;color:#37586b;margin:0 0 16px}
.sensitivity-market-note p:last-child{margin-bottom:0}
.sensitivity-market-note a{color:#006c92;text-decoration:underline;text-underline-offset:3px}
.sensitivity-market-note a:focus-visible,.sensitivity-method summary:focus-visible{outline:2px solid #007ca9;outline-offset:4px}
@media(min-width:900px){.sensitivity-payment-grid,.sensitivity-budget-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.sensitivity-payment-card .sensitivity-scenario-label{min-height:38px}.sensitivity-buying-power{margin-top:56px;padding-top:44px}.sensitivity-market-note{padding:32px}}
}
@media print{.ballard-rate-sensitivity{display:none!important}.ballard-financing .ballard-print-disclosures .wholesale-eligibility{margin-bottom:14pt}}

/* v237: a distinct dark section after the light-blue financing illustration. */
@media screen{
.ballard-design main>.ballard-rate-sensitivity{margin-top:56px;background:#001b2e;color:#fff;border-top:6px solid #00a6e5;padding-top:56px;padding-bottom:56px}
.ballard-rate-sensitivity .rate-sensitivity-heading{padding-bottom:32px;border-bottom:1px solid #496779}
.ballard-rate-sensitivity .rate-sensitivity-heading h2,.ballard-rate-sensitivity .sensitivity-same-loan>h3,.ballard-rate-sensitivity .sensitivity-budget-heading h3,.ballard-rate-sensitivity .sensitivity-caution strong,.ballard-rate-sensitivity .sensitivity-method summary{color:#fff}
.ballard-rate-sensitivity .rate-sensitivity-heading>.eyebrow,.ballard-rate-sensitivity .sensitivity-budget-heading>.eyebrow{color:#91deff}
.ballard-rate-sensitivity .rate-sensitivity-heading>p:last-child,.ballard-rate-sensitivity .sensitivity-intro,.ballard-rate-sensitivity .sensitivity-note,.ballard-rate-sensitivity .sensitivity-budget-heading>p:last-child,.ballard-rate-sensitivity .sensitivity-caution,.ballard-rate-sensitivity .sensitivity-method p{color:#d3e4ed}
.ballard-rate-sensitivity .sensitivity-payment-card,.ballard-rate-sensitivity .sensitivity-budget-card,.ballard-rate-sensitivity .sensitivity-market-note{color:#001b2e}
.ballard-rate-sensitivity .sensitivity-payment-card.benchmark{background:#173f54;color:#fff;border-color:#5f8ba2}
.ballard-rate-sensitivity .sensitivity-buying-power,.ballard-rate-sensitivity .sensitivity-method{border-color:#496779}
.ballard-rate-sensitivity .sensitivity-method summary:focus-visible{outline-color:#91deff}
@media(min-width:900px){.ballard-design main>.ballard-rate-sensitivity{margin-top:88px;padding-top:80px;padding-bottom:80px}.ballard-rate-sensitivity .rate-sensitivity-heading{padding-bottom:40px;margin-bottom:48px}}
}

/* Buying power leads; same-loan payment impact is the secondary comparison. */
@media screen{
.ballard-rate-sensitivity>.sensitivity-market-note{margin:0 0 44px}
.ballard-rate-sensitivity>.sensitivity-buying-power{margin-top:0;padding-top:0;border-top:0}
.ballard-rate-sensitivity .sensitivity-budget-price strong{font-size:clamp(28px,3.8vw,38px)}
.ballard-rate-sensitivity .sensitivity-budget-card .sensitivity-budget-change{font-size:15px;font-weight:700;line-height:1.6}
.ballard-rate-sensitivity>.sensitivity-same-loan{margin-top:48px;padding-top:40px;border-top:1px solid #496779}
@media(min-width:900px){.ballard-rate-sensitivity>.sensitivity-market-note{margin-bottom:56px}.ballard-rate-sensitivity>.sensitivity-same-loan{margin-top:64px;padding-top:48px}}
}

/* One buying-power tile set: spotlight percentage and dollar impact, not payment repeats. */
@media screen{
.ballard-design main>.ballard-rate-sensitivity{margin-bottom:56px}
.ballard-rate-sensitivity .sensitivity-impact{margin:0 0 24px;padding-bottom:22px;border-bottom:1px solid #cddfe8}
.ballard-rate-sensitivity .sensitivity-impact strong{display:block;font:700 clamp(32px,4vw,42px)/1.15 "DM Sans",sans-serif;letter-spacing:-.035em;color:#001b2e}
.ballard-rate-sensitivity .sensitivity-impact span{display:block;font-size:15px;font-weight:700;line-height:1.6;margin-top:9px;color:#325a70}
.ballard-rate-sensitivity .benchmark-impact strong{font-size:clamp(27px,3vw,34px)}
@media(min-width:900px){.ballard-design main>.ballard-rate-sensitivity{margin-bottom:88px}.ballard-rate-sensitivity .sensitivity-impact{min-height:108px}}
}

/* v238: buying-power tiles lead, with calm pale-blue surfaces and market context below. */
@media screen{
.ballard-rate-sensitivity .sensitivity-budget-card{background:#e9f1f5;border-color:#c3d5df}
.ballard-rate-sensitivity>.sensitivity-market-note{margin:44px 0 0}
.ballard-rate-sensitivity .sensitivity-market-note>.eyebrow{text-transform:none;letter-spacing:.025em;font-size:12px}
@media(min-width:900px){.ballard-rate-sensitivity>.sensitivity-market-note{margin-top:56px}}
}

/* Clear directional labels; the original quote is dated, not described as today's rate. */
@media screen{
.ballard-rate-sensitivity .sensitivity-budget-card h4{font-size:27px;margin-bottom:10px}
.ballard-rate-sensitivity .sensitivity-budget-card .sensitivity-scenario-rate{font-size:14px;line-height:1.6;color:#496a7c;margin:0 0 24px}
@media(min-width:900px){.ballard-rate-sensitivity .sensitivity-budget-card h4{min-height:65px}.ballard-rate-sensitivity .sensitivity-budget-card .sensitivity-scenario-rate{min-height:45px}}
}

/* v241: quoted-rate-first tiles with prominent plain-language uppercase labels. */
@media screen{.ballard-rate-sensitivity .sensitivity-budget-card h4{font-size:clamp(30px,3.5vw,36px);font-weight:700;line-height:1.15;min-height:0;text-transform:uppercase}.ballard-rate-sensitivity .sensitivity-budget-card .sensitivity-scenario-rate{font-size:14px}}

/* Requested tile headings: centered, with dark navy contrast on muted cards. */
.ballard-rate-sensitivity .sensitivity-budget-card h4{text-align:center;color:#001b2e}

/* Simplified hypothetical cards retain only relative buying-power results. */
.ballard-rate-sensitivity .sensitivity-budget-delta{margin:0;font:700 clamp(28px,3.3vw,36px)/1.2 "DM Sans",sans-serif;letter-spacing:-.035em;color:#001b2e}

/* Center every comparison-card detail and distinguish the title bands. */
.ballard-rate-sensitivity .sensitivity-budget-card{text-align:center}
.ballard-rate-sensitivity .sensitivity-budget-card h4{margin:-24px -24px 20px;padding:18px 14px;background:#d9e9f2;border-bottom:3px solid #00a6e5;border-radius:15px 15px 0 0;color:#001b2e}
.ballard-rate-sensitivity .sensitivity-budget-card dl>div{flex-direction:column;align-items:center;justify-content:center;gap:3px}
.ballard-rate-sensitivity .sensitivity-budget-card dt,.ballard-rate-sensitivity .sensitivity-budget-card dd{text-align:center}
.ballard-rate-sensitivity .sensitivity-budget-delta span{display:block;margin-top:12px;font:700 15px/1.6 "DM Sans",sans-serif;letter-spacing:normal;color:#325a70}

/* One concise caution below the cards; tighter transition into market context. */
.ballard-rate-sensitivity .sensitivity-caution{margin-top:20px}
.ballard-rate-sensitivity>.sensitivity-market-note{margin-top:32px}
@media(min-width:900px){.ballard-rate-sensitivity>.sensitivity-market-note{margin-top:40px}}
/* Exact bright-blue logo fill (rounded RGB 20,189,255), with contrasting navy content. */
.ballard-design .ballard-listing-contact{background:#14bdff;color:#001b2e}
.ballard-design .ballard-listing-contact h2,.ballard-design .ballard-listing-contact p,.ballard-design .ballard-listing-contact a{color:#001b2e}
.ballard-design .listing-contact-actions{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0 0}
.ballard-design .ballard-listing-contact .contact-link{justify-content:center;background:#001b2e;color:#fff;border:2px solid #001b2e;min-width:144px;min-height:52px}
.ballard-design .ballard-listing-contact .contact-text{background:transparent;color:#001b2e}
.ballard-design .ballard-listing-contact a:focus-visible{outline:3px solid #001b2e;outline-offset:5px}
.ballard-design .ballard-listing-contact .contact-link:focus-visible{outline-color:#fff;box-shadow:0 0 0 7px #001b2e}
.ballard-design .ballard-listing-contact .listing-contact-number{font-weight:700;margin-top:14px}
@media(max-width:480px){.ballard-design .listing-contact-actions .contact-link{flex:1 1 140px}}

/* Device-independent, accessible text options; mobile SMS remains an explicit action. */
.ballard-design .listing-contact-actions [hidden],.ballard-design .steven-text-panel[hidden]{display:none!important}
.ballard-design .listing-contact-actions button{cursor:pointer}
.ballard-design .steven-text-panel{max-width:640px;margin:24px 0;padding:24px;background:#eff8fc;border:2px solid #001b2e;border-radius:16px;color:#001b2e}
.ballard-design .steven-text-panel h3{font:700 28px/1.2 "Barlow Condensed",sans-serif;margin:0 0 12px}
.ballard-design .steven-text-panel label{display:block;font-weight:700;font-size:14px;margin-bottom:8px}
.ballard-design .steven-copy-row{display:flex;flex-wrap:wrap;gap:12px;margin:0 0 20px}
.ballard-design .steven-copy-row input{min-width:0;flex:1 1 180px;width:100%;padding:12px;border:1px solid #365e74;border-radius:10px;background:#fff;color:#001b2e;font:600 19px/1.3 "DM Sans",sans-serif}
.ballard-design .steven-copy-row button{min-height:48px;border:2px solid #001b2e;border-radius:10px;background:#001b2e;color:#fff;padding:10px 18px;font:700 15px/1.4 "DM Sans",sans-serif;cursor:pointer}
.ballard-design .steven-copy-row button:disabled{opacity:.7;cursor:wait}
.ballard-design .steven-copy-row input:focus-visible,.ballard-design .steven-copy-row button:focus-visible{outline:3px solid #001b2e;outline-offset:4px}
.ballard-design .steven-text-panel .steven-copy-status{font-weight:700;margin:16px 0 0}
.ballard-design .steven-text-panel .steven-copy-status:empty{display:none}
.ballard-design .steven-text-panel .steven-text-help{font-size:13px;margin-bottom:0}

.ballard-design .steven-text-panel textarea{display:block;width:100%;min-height:126px;margin:0 0 16px;padding:12px;border:1px solid #365e74;border-radius:10px;background:#fff;color:#001b2e;font:400 16px/1.6 "DM Sans",sans-serif;resize:vertical}
.ballard-design .steven-message-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.ballard-design .steven-message-actions button{min-height:52px;padding:12px 18px;background:#fff;color:#001b2e;border:2px solid #001b2e;border-radius:10px;font:700 15px/1.4 "DM Sans",sans-serif;cursor:pointer}
.ballard-design .steven-message-actions button:disabled{opacity:.7;cursor:wait}
.ballard-design .steven-text-panel textarea:focus-visible,.ballard-design .steven-message-actions button:focus-visible{outline:3px solid #001b2e;outline-offset:4px}