:root{color-scheme:light dark;--site-max:1180px;--header-height:3.5rem;--page-pad:clamp(1rem,4vw,2rem);--panel-alpha:88%}*{box-sizing:border-box}html{background:var(--apex-color-canvas)}body,html{min-height:100%;overflow-x:clip}body{margin:0;color:var(--apex-color-text);background:linear-gradient(140deg,color-mix(in srgb,var(--apex-color-canvas) 96%,var(--apex-color-accent)),var(--apex-color-canvas) 48%,color-mix(in srgb,var(--apex-color-surface) 92%,var(--apex-color-accent)));font-family:var(--apex-font-family-sans)}#brekin-heloc-chat button[type=submit]{color:var(--apex-color-on-accent)!important;background:var(--apex-color-accent-strong)!important;border-color:var(--apex-color-accent-strong)!important}.site-shell{min-height:100vh;overflow-x:clip}.skipLink{position:fixed;z-index:100;top:var(--apex-space-3);left:var(--apex-space-3);transform:translateY(-160%);padding:var(--apex-space-2) var(--apex-space-3);border:1px solid var(--apex-color-border);border-radius:var(--apex-radius-sm);color:var(--apex-color-on-accent);background:var(--apex-color-accent-strong);font-weight:var(--apex-font-weight-bold);text-decoration:none;box-shadow:var(--apex-shadow-md)}.skipLink:focus-visible{transform:translateY(0);outline:0;box-shadow:var(--apex-shadow-focus)}.siteHeader{border-bottom:1px solid var(--apex-color-border);background:color-mix(in srgb,var(--apex-color-surface) 92%,var(--apex-color-canvas))}.siteHeader,.siteHeaderInner{min-height:var(--header-height)}.siteHeaderInner{display:flex;align-items:center;justify-content:space-between;gap:var(--apex-space-4);width:100%;margin:0 auto;padding:0 clamp(1rem,4vw,2.75rem)}.headerLogoLink{display:inline-flex;align-items:center;gap:var(--apex-space-2);min-width:0;color:var(--apex-color-accent-strong);font-size:clamp(1.25rem,2vw,1.55rem);font-weight:var(--apex-font-weight-bold);text-decoration:none;white-space:nowrap}.headerLogoLink img{display:block;width:clamp(2.35rem,4vw,3rem);height:clamp(2.35rem,4vw,3rem);object-fit:contain}[data-apex-theme=slate-dark] .headerLogoLink img{filter:brightness(0) invert(1);opacity:.94}.headerLogoLink:hover{text-decoration:none}.headerActions{gap:var(--apex-space-3);min-width:0}.headerActions,.headerPhone{display:inline-flex;align-items:center}.headerPhone{gap:var(--apex-space-2);min-height:2.75rem;color:var(--apex-color-accent-strong);font-weight:var(--apex-font-weight-bold);text-decoration:none;white-space:nowrap}.headerPhone:hover{text-decoration:underline;text-underline-offset:.18em}.headerPhone svg{flex:0 0 auto}.themeToggle{display:inline-flex;align-items:center;justify-content:center;width:2.75rem;height:2.75rem;border:1px solid var(--apex-color-border);border-radius:var(--apex-radius-sm);color:var(--apex-color-accent-strong);background:color-mix(in srgb,var(--apex-color-canvas) 76%,var(--apex-color-surface));cursor:pointer}.themeToggle:hover{background:var(--apex-color-subtle)}.themeToggle:focus-visible{outline:0;box-shadow:var(--apex-shadow-focus)}.hero{display:grid;grid-template-columns:minmax(0,1fr) minmax(21rem,28rem);gap:clamp(2rem,5vw,4.5rem);align-items:center;width:min(100%,var(--site-max));min-height:calc(100vh - var(--header-height));margin:0 auto;padding:clamp(2rem,6vw,5rem) var(--page-pad)}.heroCopy{display:grid;gap:var(--apex-space-5);align-content:center;max-width:43rem}.eyebrow{margin:0;color:var(--apex-color-accent);font-size:var(--apex-font-size-sm);font-weight:var(--apex-font-weight-bold);letter-spacing:0;text-transform:uppercase}h1,h2,p{margin-top:0}h1{max-width:10ch;font-size:clamp(3.2rem,7vw,6.25rem);line-height:.95;letter-spacing:0}h1,h2{margin-bottom:0}h2{color:var(--apex-color-text);font-size:clamp(1.4rem,3vw,1.75rem);line-height:var(--apex-font-line-height-tight)}.lede{max-width:64ch;margin-bottom:0;color:var(--apex-color-muted);font-size:clamp(1.08rem,2vw,1.35rem);line-height:var(--apex-font-line-height-relaxed)}.signalRow{display:flex;flex-wrap:wrap;gap:var(--apex-space-2)}.signalRow span{min-height:2.75rem;display:inline-flex;align-items:center;padding:var(--apex-space-2) var(--apex-space-3);border:1px solid color-mix(in srgb,var(--apex-color-border) 70%,var(--apex-color-accent));border-radius:var(--apex-radius-sm);color:var(--apex-color-text);background:color-mix(in srgb,var(--apex-color-surface) var(--panel-alpha),transparent);font-size:var(--apex-font-size-sm);font-weight:var(--apex-font-weight-bold)}.miniFacts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--apex-space-3);max-width:42rem;margin:var(--apex-space-2) 0 0}.miniFacts div{min-width:0;padding:var(--apex-space-4);border:1px solid var(--apex-color-border);border-radius:var(--apex-radius-sm);background:color-mix(in srgb,var(--apex-color-surface) var(--panel-alpha),transparent)}.miniFacts dt{color:var(--apex-color-accent);font-size:var(--apex-font-size-xs);font-weight:var(--apex-font-weight-bold);text-transform:uppercase}.miniFacts dd{margin:var(--apex-space-1) 0 0;color:var(--apex-color-muted);line-height:var(--apex-font-line-height-normal)}.pageLinks{display:flex;flex-wrap:wrap;gap:var(--apex-space-2)}.pageLinks a{min-height:2.75rem;display:inline-flex;align-items:center;padding:var(--apex-space-2) var(--apex-space-3);border:1px solid var(--apex-color-border);border-radius:var(--apex-radius-sm);color:var(--apex-color-accent-strong);background:color-mix(in srgb,var(--apex-color-canvas) 76%,var(--apex-color-surface));font-size:var(--apex-font-size-sm);font-weight:var(--apex-font-weight-bold);text-decoration:none}.pageLinks a:focus-visible,.pageLinks a:hover{outline:0;background:var(--apex-color-subtle);text-decoration:underline;text-underline-offset:.18em}.freshness{margin:calc(-1 * var(--apex-space-2)) 0 0;color:var(--apex-color-muted);font-size:var(--apex-font-size-xs);line-height:var(--apex-font-line-height-normal)}.leadForm{display:grid;gap:var(--apex-space-3);width:100%;min-width:0;padding:clamp(1.25rem,4vw,1.75rem);border:1px solid 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a{color:var(--apex-color-accent);text-decoration:underline;text-underline-offset:.16em}.complianceText a,.status{font-weight:var(--apex-font-weight-bold)}.status{min-height:1.35rem;margin-bottom:0;color:var(--apex-color-success);font-size:var(--apex-font-size-sm)}.status.error{color:var(--apex-color-danger)}.hp{position:absolute;left:-10000px;opacity:0}.faqBand,.infoBand{border-top:1px solid var(--apex-color-border);background:color-mix(in srgb,var(--apex-color-canvas) 88%,var(--apex-color-surface))}.faqBand{background:color-mix(in srgb,var(--apex-color-surface) 88%,var(--apex-color-canvas))}.faqInner,.infoInner{display:grid;gap:clamp(1.5rem,4vw,2.5rem);width:min(100%,var(--site-max));margin:0 auto;padding:clamp(2.5rem,6vw,4rem) var(--page-pad)}.sectionIntro{display:grid;gap:var(--apex-space-2);max-width:45rem}.processList{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--apex-space-3);margin:0;padding:0;list-style:none;counter-reset:process}.processList li{counter-increment:process;display:grid;gap:var(--apex-space-2);min-width:0;padding:var(--apex-space-4);border:1px solid var(--apex-color-border);border-radius:var(--apex-radius-sm);background:color-mix(in srgb,var(--apex-color-surface) var(--panel-alpha),transparent)}.processList li:before{content:counter(process);display:inline-flex;align-items:center;justify-content:center;width:2rem;height:2rem;border-radius:var(--apex-radius-sm);color:var(--apex-color-on-accent);background:var(--apex-color-accent);font-weight:var(--apex-font-weight-bold)}.processList strong{color:var(--apex-color-text)}.faqList p,.processList span{margin:0;color:var(--apex-color-muted);line-height:var(--apex-font-line-height-normal)}.faqList{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--apex-space-3)}.faqList section{display:grid;align-content:start;gap:var(--apex-space-2);min-width:0;padding-top:var(--apex-space-3);border-top:1px solid var(--apex-color-border)}.faqList h3{margin:0;color:var(--apex-color-text);font-size:clamp(1.05rem,2vw,1.18rem);line-height:var(--apex-font-line-height-tight)}.siteFooter{border-top:1px solid var(--apex-color-border);background:color-mix(in srgb,var(--apex-color-surface) 92%,var(--apex-color-canvas))}.footerInner{display:grid;grid-template-columns:minmax(16rem,1.1fr) minmax(12rem,.85fr) minmax(18rem,1fr);gap:clamp(2rem,7vw,5rem);width:min(100%,var(--site-max));margin:0 auto;padding:clamp(2.5rem,6vw,4rem) var(--page-pad) clamp(2rem,4vw,3rem)}.siteFooter h2{margin:0;font-size:clamp(1rem,2vw,1.12rem);line-height:var(--apex-font-line-height-tight)}.footerBrand,.footerContact,.footerLinks{display:grid;align-content:start;gap:var(--apex-space-3)}.footerBottom p,.footerBrand p,.footerContact p{margin:0;color:var(--apex-color-muted);line-height:var(--apex-font-line-height-normal)}.footerBrand p{max-width:39ch}.footerBrand 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var(--page-pad)}.resourceHub{display:grid;justify-items:center;gap:clamp(2rem,5vw,4rem)}.articleBody,.articleFaq,.articleHero,.authorBox,.references,.relatedResources,.resourceHubIntro,.resourceQuestions{width:100%;max-width:50rem;min-width:0;margin-inline:auto}.resourceHubIntro{display:grid;gap:var(--apex-space-4);justify-items:center;text-align:center}.articleHero h1,.resourceHub h1{max-width:13ch}.resourceGrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--apex-space-4);width:min(100%,70rem);margin-inline:auto}.resourceCard{display:grid;grid-template-columns:1fr;min-width:0;border:1px solid var(--apex-color-border);border-radius:var(--apex-radius-sm);background:var(--apex-color-surface);overflow:hidden}.resourceCard h2,.resourceCard p{text-align:left}.resourceCard img{display:block;width:100%;min-width:0;aspect-ratio:16/9;object-fit:cover;background:var(--apex-color-subtle)}.resourceCard 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var(--apex-space-4)}.articleImage{margin:0;min-width:0;width:100%;max-width:100%;border:1px solid var(--apex-color-border);border-radius:var(--apex-radius-sm);overflow:hidden;background:var(--apex-color-surface)}.articleImage img{display:block;width:100%;min-width:0;aspect-ratio:1200/630;object-fit:contain;background:var(--apex-color-subtle)}.answerBox,.authorBox{display:grid;gap:var(--apex-space-2);padding:var(--apex-space-4);border:1px solid color-mix(in srgb,var(--apex-color-border) 70%,var(--apex-color-accent));border-radius:var(--apex-radius-sm);background:color-mix(in srgb,var(--apex-color-surface) var(--panel-alpha),transparent)}.answerBox h2,.answerBox p,.authorBox h2,.authorBox p{margin:0}.articleBody{display:grid;gap:var(--apex-space-4)}.articleBody h2{margin-top:var(--apex-space-3)}.answerBox p,.articleBody li,.articleBody p,.articleFaq p,.articleHero p,.authorBox p,.references li{overflow-wrap:anywhere}.articleBody ol,.articleBody ul,.references 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img{width:2.35rem;height:2.35rem}.headerLogoLink{font-size:1.1rem}.headerPhone{font-size:var(--apex-font-size-sm);min-width:2.75rem;justify-content:center}.headerPhone span{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap}.hero{gap:1.5rem;padding-top:1.5rem;padding-bottom:1.5rem}.heroCopy{gap:var(--apex-space-4)}h1{max-width:9.5ch;font-size:clamp(2.65rem,16vw,4rem)}.resourceGrid,.resourceHubIntro{max-width:22rem}.articleHero h1,.resourceHub h1{max-width:9ch;font-size:clamp(2.75rem,12vw,3.15rem)}.lede{font-size:1rem}.miniFacts,.three,.two{grid-template-columns:1fr}.pageLinks a,.signalRow span{width:100%}.leadForm{padding:1rem}.footerInner{gap:2rem}.footerInner,.resourceCard{grid-template-columns:1fr}.resourceCard img{object-fit:contain}.articleBody,.articleFaq,.articleHero,.authorBox,.references,.relatedResources,.resourceQuestions{max-width:22rem}.footerContact{grid-column:auto}}@media (max-width:360px){.headerActions,.headerLogoLink,.headerPhone,.siteHeaderInner{gap:.35rem}.logoSuffix{display:none}.headerPhone{font-size:.82rem}.headerPhone span{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.themeToggle{width:2.75rem;height:2.75rem}h1{font-size:2.35rem}.leadForm{padding:.875rem}}@media (prefers-reduced-motion:reduce){*,:after,:before{scroll-behavior:auto!important;animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}