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rgba(8,44,53,.09)}.related-grid span,.related-grid strong{display:block}.related-grid span{color:var(--green-dark);font-size:.64rem;font-weight:900;text-transform:uppercase;letter-spacing:.08em}.related-grid strong{margin-top:7px;font-size:.98rem}.related-grid p{margin:7px 0 0;color:#5b717a;font-size:.76rem;line-height:1.5}.faq{padding-bottom:82px}.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.faq details{border:1px solid var(--line);border-radius:15px;background:#fff}.faq summary{padding:17px 44px 17px 17px;cursor:pointer;font-size:.82rem;font-weight:850;line-height:1.4}.faq p{margin:0;padding:0 17px 17px;color:#596f78;font-size:.78rem;line-height:1.65}.footer{padding:50px 0 0;background:radial-gradient(circle at 10% 0%,rgba(53,205,166,.18),transparent 31%),linear-gradient(145deg,#0d3440,#061922 74%);color:#fff}.footer-grid{display:grid;grid-template-columns:1.35fr repeat(3,1fr);gap:36px}.footer img{width:190px;height:auto;margin-bottom:15px}.footer p{margin:0;max-width:390px;color:#c1d1d6;line-height:1.62}.footer h3{margin:0 0 13px;font-size:.9rem}.footer-links{display:grid;gap:9px}.footer a{color:#d6e5e8;text-decoration:none;font-size:.8rem}.footer a:hover{color:#fff}.footer-bottom{margin-top:34px;padding:20px 0;border-top:1px solid rgba(255,255,255,.11);color:#b8cbd0;font-size:.73rem}.ltv-v4 [hidden]{display:none!important}.ltv-v4 :focus-visible{outline:3px solid rgba(8,122,104,.4);outline-offset:3px}@media(max-width:960px){.main-nav,.header-cta{display:none}.hero-grid,.work-grid,.reading-grid{grid-template-columns:1fr}.hero-visual{max-width:620px}.result-card{position:static}.guide-grid,.verification-grid,.related-grid{grid-template-columns:1fr 1fr}.example-grid,.mistake-grid,.roadmap-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1.2fr 1fr 1fr}.footer-grid>div:last-child{grid-column:2/4}}@media(max-width:620px){.container{width:min(100% - 24px,1180px)!important}.header-inner{min-height:65px}.brand-logo img{width:168px}.equity-hero{padding:24px 0 28px}.breadcrumb{display:none}.hero-copy h1{font-size:clamp(2rem,11vw,2.65rem);margin-bottom:13px}.hero-lead{font-size:.92rem;line-height:1.5}.hero-actions{margin-top:17px}.btn-primary{width:100%}.btn-secondary{display:none}.hero-trust{margin-top:12px}.hero-trust span:nth-child(n+3){display:none}.hero-visual{display:none}.equity-work{padding:27px 0 54px}.input-card,.result-card{padding:19px;border-radius:21px}.form-head{display:block}.reset-btn{margin-top:12px}.mode-switch{grid-template-columns:1fr;margin:18px 0}.mode-btn{min-height:65px}.field-grid{grid-template-columns:1fr}.step-tabs{grid-template-columns:repeat(3,minmax(0,1fr));gap:6px}.step-btn{padding:9px 5px;text-align:center}.step-btn span{margin:0 auto 5px}.step-btn b{font-size:.65rem}.step-btn small{display:none}.advanced-stage{padding:14px}.stage-nav span{display:none}.stage-nav button{flex:1}.form-actions{display:block}.primary-action{width:100%}.form-actions p{margin-top:8px}.result-kpis{grid-template-columns:1fr 1fr}.scenario-grid{grid-template-columns:1fr}.result-actions{grid-template-columns:1fr}.guide,.examples,.mistakes,.roadmap,.related,.faq{padding-top:62px}.guide-grid,.example-grid,.mistake-grid,.roadmap-grid,.verification-grid,.related-grid,.faq-grid,.source-box,.footer-grid{grid-template-columns:1fr}.equity-reading,.verification{margin-top:62px;padding:62px 0}.ltv-ring{width:165px;height:165px}.footer-grid>div:last-child{grid-column:auto}.section-head h2,.reading-copy h2{font-size:2rem}.section-head p:not(.eyebrow){font-size:.9rem}.footer-grid{gap:26px}}
.deep-dive,.audit-check{padding-top:82px}.deep-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.deep-grid article{padding:26px;border:1px solid var(--line);border-radius:21px;background:linear-gradient(180deg,#fff,#f8fbfa)}.deep-grid h3{margin:0 0 12px;font-size:1.08rem}.deep-grid p{margin:0;color:#586f79;font-size:.8rem;line-height:1.7}.deep-grid p+p{margin-top:12px}.decision-lab{margin-top:82px;padding:78px 0;background:radial-gradient(circle at 90% 0%,rgba(53,205,166,.16),transparent 28%),linear-gradient(145deg,#123f48,#071e29 76%);color:#fff}.decision-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.decision-grid article{padding:22px;border:1px solid rgba(255,255,255,.12);border-radius:19px;background:rgba(255,255,255,.055)}.decision-grid span{color:#9dcbff;font-size:.68rem;font-weight:900}.decision-grid h3{margin:8px 0 10px;color:#fff;font-size:1rem}.decision-grid p{margin:0;color:#c4d6db;font-size:.78rem;line-height:1.65}.check-layout{display:grid;grid-template-columns:1fr 1fr .85fr;gap:15px}.check-list,.check-layout aside{padding:23px;border:1px solid var(--line);border-radius:20px;background:#fff}.check-list h3{margin:0 0 12px}.check-list ul{display:grid;gap:9px;margin:0;padding-left:20px;color:#586f79;font-size:.79rem;line-height:1.58}.check-layout aside{background:linear-gradient(145deg,#fff3e7,#fffaf5);border-color:#f0d2bc}.check-layout aside strong{color:#8c4f2d}.check-layout aside p{margin:10px 0 0;color:#5d4c41;line-height:1.68}@media(max-width:960px){.decision-grid{grid-template-columns:1fr 1fr}.check-layout{grid-template-columns:1fr 1fr}.check-layout aside{grid-column:1/-1}}@media(max-width:620px){.deep-dive,.audit-check{padding-top:62px}.deep-grid,.decision-grid,.check-layout{grid-template-columns:1fr}.decision-lab{margin-top:62px;padding:62px 0}.check-layout aside{grid-column:auto}.deep-grid article{padding:21px}}
.core-fields{padding-top:2px}

/* LTV flagship refinements */
.ltv-v4 .equity-hero{background:radial-gradient(circle at 84% 8%,rgba(31,111,235,.18),transparent 29%),linear-gradient(135deg,#edf4ff 0%,#fff8ef 56%,#eef6ff 100%)}
.ltv-v4 .property-scene{background:linear-gradient(145deg,#173f6d,#081d35 74%)}
.ltv-v4 .house:before{border-bottom-color:#f0a65f}.ltv-v4 .house i{background:#1f6feb}.ltv-v4 .key{border-color:#ffd166}.ltv-v4 .key:after{background:#ffd166}.ltv-v4 .result-hero{background:radial-gradient(circle at 90% 0%,rgba(84,163,255,.22),transparent 36%),linear-gradient(145deg,#123b68,#071b31 76%)}
.ltv-v4 .ltv-ring{background:conic-gradient(#54a3ff 0 80%,rgba(255,255,255,.12) 80% 100%)}.ltv-v4 .ltv-legend .loan{background:#54a3ff}.ltv-v4 .ltv-legend .cash{background:#ffd166}.ltv-v4 .ltv-legend .buffer{background:#8fb6db}
.ltv-v4 .ltv-band{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:14px}.ltv-v4 .ltv-band article{padding:14px;border:1px solid var(--line);border-radius:15px;background:#fff}.ltv-v4 .ltv-band span,.ltv-v4 .ltv-band b,.ltv-v4 .ltv-band small{display:block}.ltv-v4 .ltv-band span{color:#5f7280;font-size:.64rem}.ltv-v4 .ltv-band b{margin-top:4px;font-size:.95rem}.ltv-v4 .ltv-band small{margin-top:4px;color:#647783;font-size:.61rem;line-height:1.35}.ltv-v4 .ltv-band article.is-current{border-color:#9abcf0;background:#eef5ff}.ltv-v4 .valuation-alert{margin-top:15px;padding:15px;border-radius:15px;background:#fff4e8;border:1px solid #f1d2ae}.ltv-v4 .valuation-alert strong{display:block;color:#8c4d24}.ltv-v4 .valuation-alert p{margin:5px 0 0;color:#665045;font-size:.71rem;line-height:1.5}
@media(max-width:620px){.ltv-v4 .ltv-band{grid-template-columns:1fr}.ltv-v4 .hero-copy h1{font-size:clamp(1.95rem,10.7vw,2.55rem)}}