html{scroll-behavior:smooth}.how-section{position:relative;background-color:var(--gray-light);overflow:hidden;padding:5rem 1.5rem;z-index:1;background:#1e3a8a}.how-wrapper{position:relative;z-index:2;max-width:1100px;margin:0 auto;text-align:center}.how-title{font-size:1.75rem;font-weight:700;color:#ffffff;margin-bottom:.25rem}.highlight{color:var(--accent)}.how-subtitle{font-size:1rem;color:#ffff;margin-bottom:2.5rem}.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;justify-items:center;align-items:stretch;position:relative}.how-card{background:#ffffff;border-radius:1rem;padding:2.5rem 1.5rem;box-shadow:0 4px 12px rgba(0,0,0,.05);text-align:center;transition:all .3s ease;scroll-margin-top:100px;width:100%;max-width:300px;display:flex;flex-direction:column;justify-content:space-between;border:2px solid transparent}.how-card:hover{transform:translateY(-4px);border-color:var(--accent)}.how-icon{margin-bottom:1rem}.how-index{width:36px;height:36px;background-color:var(--primary);color:white;display:flex;align-items:center;justify-content:center;border-radius:9999px;margin:0 auto 1rem}.how-card h4,.how-index{font-weight:600;font-size:1rem}.how-card h4{color:var(--primary);margin-bottom:.5rem}.how-card p{font-size:.875rem;color:#1f2937;line-height:1.5}.how-attribution{font-size:.75rem;color:#6b7280;margin-top:2.5rem;text-align:center;line-height:1.5}.how-attribution a{color:var(--primary);text-decoration:underline;transition:color .2s ease}.how-attribution a:hover{color:var(--accent)}.how-card-visible{opacity:1;transform:translateY(0)}.how-card-hidden{opacity:0;transform:translateY(40px)}.how-link-wrapper{text-decoration:none}.how-link-wrapper:hover .how-card{transform:translateY(-6px)}@media (max-width:640px){.how-grid{grid-template-columns:1fr;justify-items:center;gap:1.5rem}.how-card{width:100%;max-width:320px;padding:1.5rem 1rem;border-radius:.75rem;box-shadow:0 2px 6px rgba(0,0,0,.06);will-change:transform,opacity;backface-visibility:hidden;transform-style:preserve-3d}.how-index{width:30px;height:30px;font-size:.875rem;margin-bottom:.5rem}.how-card h4{font-size:.95rem;margin-bottom:.4rem}.how-card p{font-size:.8rem;line-height:1.4}}.how-card.fade-in{transition:all .6s ease-out;will-change:transform,opacity}.star-circle{background:white;border-radius:50%;animation:twinkle 1.5s ease-in-out infinite alternate}.star-circle,.star-sparkle{position:absolute;pointer-events:none;z-index:0}.star-sparkle{fill:white;animation:twinkle 2s ease-in-out infinite alternate}@keyframes twinkle{0%{opacity:.3;transform:scale(1)}to{opacity:1;transform:scale(1.4)}}@keyframes fadeUp{0%{opacity:0;transform:translateY(40px)}to{opacity:1;transform:translateY(0)}}.how-card{opacity:0;transform:translateY(40px);transition:transform .6s ease-out,opacity .6s ease-out;will-change:transform,opacity}.how-card.animate-in{animation-name:fadeUp;animation-duration:.6s;animation-fill-mode:forwards;animation-timing-function:ease-out}.fade-delay-0{animation-delay:0s}.fade-delay-1{animation-delay:.2s}.fade-delay-2{animation-delay:.4s}:root{--primary:#1e3a8a;--accent:#facc15;--gray-text:#4b5563;--gray-light:#f9fafb}.mortgage-hero-wrapper{background:#fefefc;position:relative;padding-bottom:4rem}.mortgage-hero{background:var(--primary);clip-path:polygon(0 0,100% 0,100% 60%,0 100%);padding:1rem 1rem 8rem;position:relative;z-index:1;text-align:center}.hero-container{max-width:1200px;margin:0 auto;position:relative;z-index:2}.hero-header{margin-bottom:2rem}.hero-title{font-size:2.5rem;font-weight:800;color:#ffffff;margin-bottom:1rem;line-height:1.2}.hero-title .highlight{color:var(--accent)}.hero-subtitle{font-size:.95rem;font-weight:500;color:#d1d5db;line-height:1.6;max-width:600px;margin:0 auto}.mortgage-options{display:flex;flex-wrap:wrap;justify-content:center;gap:2rem;margin-top:-8rem;z-index:3;position:relative;padding:0 1rem}.mortgage-card{background-color:#ffffff;border-radius:12px;padding:1.5rem 1.25rem 1.75rem;box-shadow:0 4px 16px rgba(0,0,0,.04);transition:all .3s ease;display:flex;flex-direction:column;justify-content:flex-start;box-sizing:border-box;width:100%;max-width:340px;opacity:0;animation:fadeSlideUp .8s ease forwards;border:2px solid transparent}.mortgage-card:first-child{animation-delay:.2s}.mortgage-card:nth-child(2){animation-delay:.4s}.mortgage-card:nth-child(3){animation-delay:.6s}.mortgage-card:hover{transform:translateY(-6px);border-color:var(--accent);box-shadow:0 12px 28px rgba(0,0,0,.08)}.card-image{width:100%;height:150px;object-fit:cover;border-radius:10px;margin-bottom:1rem}.card-tag{display:inline-block;font-weight:600;font-size:.8rem;color:var(--accent);margin-bottom:.25rem}.mortgage-card h3{font-size:1rem;font-weight:700;color:#111827;margin-bottom:.3rem}.mortgage-card p{font-size:.95rem;color:#6b7280;line-height:1.5;margin-bottom:.4rem;padding-top:.3rem}.card-button{background-color:var(--primary);color:#ffffff;padding:.95rem 1.5rem;font-size:1rem;font-weight:600;border:none;border-radius:8px;width:100%;transition:background-color .2s ease;margin-top:.75rem}.card-button:hover{background-color:#163075}.mortgage-card.clickable{cursor:pointer}.mortgage-card.clickable .card-button{pointer-events:none}.card-image.focus-up{object-position:50% 25%}@media (max-width:767px){.mortgage-hero{padding:2rem 1rem 6rem;clip-path:polygon(0 0,100% 0,100% 70%,0 95%)}.hero-title{font-size:1.5rem}.hero-subtitle{font-size:.9rem;padding:0 1rem}.mortgage-options{flex-direction:column;align-items:center;gap:1.5rem;margin-top:-4rem}.mortgage-card{width:100%;max-width:100%}.card-image{height:130px}.card-button{font-size:.9rem;padding:.8rem}}@keyframes fadeSlideUp{0%{opacity:0;transform:translateY(30px)}to{opacity:1;transform:translateY(0)}}@keyframes heroPop{0%{opacity:0;transform:scale(.95) translateY(20px)}to{opacity:1;transform:scale(1) translateY(0)}}.hero-subtitle,.hero-title{animation:heroPop .6s ease-out forwards;transform-origin:center top;opacity:0}.hero-subtitle{animation-delay:.15s}