body{font-family:Asap,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;margin:0;padding:0}@media(min-width:1024px){body{zoom:1.1}}h1,h2,h3,h4,h5,h6{font-family:Inter,ui-sans-serif,system-ui,sans-serif}h1{font-weight:700}h2{font-weight:600}.refi-hero{background:#0f1d33;color:#fff;text-align:center;padding:88px 24px 80px}.refi-hero h1{font-size:2.6rem;max-width:700px;margin:0 auto 16px}.refi-hero p{font-size:1.15rem;color:#ccc;max-width:580px;margin:0 auto;line-height:1.6}.refi-hero i{font-size:2.4rem;color:#d4a853;margin-bottom:20px;display:block}.refi-section{padding:72px 24px;max-width:800px;margin:0 auto}.refi-section h2{font-size:1.8rem;color:#1b2a4a;margin:0 0 24px}.refi-section p{font-size:1rem;color:#444;line-height:1.75;margin:0 0 16px}.refi-alt{background:#f5f3ee}.refi-signs{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:16px}.refi-signs li{background:#fff;border-radius:10px;padding:20px 24px;display:flex;align-items:flex-start;gap:16px;box-shadow:0 2px 8px #0000000d}.refi-alt .refi-signs li{background:#fff}.refi-signs li i{color:#d4a853;font-size:1.2rem;margin-top:2px;flex-shrink:0}.refi-signs li div h3{font-size:1.05rem;color:#1b2a4a;margin:0 0 6px}.refi-signs li div p{margin:0;font-size:.93rem;color:#555;line-height:1.6}.refi-savings-box{background:#1b2a4a;color:#fff;border-radius:12px;padding:40px 36px;margin:28px 0 0;text-align:center}.refi-savings-box .savings-label{font-size:.95rem;color:#ccc;margin:0 0 8px}.refi-savings-box .savings-amount{font-family:Inter,sans-serif;font-size:3rem;font-weight:700;color:#d4a853;margin:0 0 8px}.refi-savings-box .savings-detail{font-size:.9rem;color:#aaa;margin:0}.refi-savings-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:20px;margin-top:28px;text-align:center}.refi-savings-grid div{background:#ffffff14;border-radius:8px;padding:16px}.refi-savings-grid .stat-value{font-family:Inter,sans-serif;font-weight:700;font-size:1.3rem;color:#fff;margin:0 0 4px}.refi-savings-grid .stat-label{font-size:.8rem;color:#aaa;margin:0}.refi-steps{list-style:none;padding:0;margin:24px 0 0;counter-reset:step}.refi-steps li{counter-increment:step;display:flex;align-items:flex-start;gap:20px;padding:24px 0;border-bottom:1px solid #e5e2dc}.refi-steps li:last-child{border-bottom:none}.refi-steps li:before{content:counter(step);width:40px;height:40px;background:#d4a853;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:Inter,sans-serif;font-weight:700;font-size:1.1rem;flex-shrink:0}.refi-steps li div h3{font-size:1.1rem;color:#1b2a4a;margin:0 0 6px}.refi-steps li div p{margin:0;font-size:.93rem;color:#555;line-height:1.6}.refi-costs-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:24px 0 0}.refi-cost-card{background:#fff;border-radius:10px;padding:24px;box-shadow:0 2px 8px #0000000d}.refi-alt .refi-cost-card{background:#fff}.refi-cost-card i{color:#d4a853;font-size:1.3rem;margin-bottom:12px;display:block}.refi-cost-card h3{font-size:1rem;color:#1b2a4a;margin:0 0 8px}.refi-cost-card p{font-size:.9rem;color:#555;line-height:1.5;margin:0}.refi-cost-card .cost-range{font-family:Inter,sans-serif;font-weight:600;color:#1b2a4a;font-size:.95rem;margin-top:8px;display:block}.refi-warning-list{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:14px}.refi-warning-list li{background:#fff3f3;border-left:4px solid #c0392b;border-radius:0 8px 8px 0;padding:18px 20px;display:flex;align-items:flex-start;gap:14px}.refi-warning-list li i{color:#c0392b;font-size:1.1rem;margin-top:2px;flex-shrink:0}.refi-warning-list li div h3{font-size:1rem;color:#1b2a4a;margin:0 0 4px}.refi-warning-list li div p{margin:0;font-size:.9rem;color:#555;line-height:1.5}.refi-broker-benefits{list-style:none;padding:0;margin:24px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:16px}.refi-broker-benefits li{background:#fff;border-radius:10px;padding:24px;box-shadow:0 2px 8px #0000000d;display:flex;align-items:flex-start;gap:14px}.refi-broker-benefits li i{color:#d4a853;font-size:1.2rem;margin-top:2px;flex-shrink:0}.refi-broker-benefits li div h3{font-size:1rem;color:#1b2a4a;margin:0 0 6px}.refi-broker-benefits li div p{margin:0;font-size:.9rem;color:#555;line-height:1.5}.refi-cta{background:#1b2a4a;text-align:center;padding:72px 24px}.refi-cta h2{color:#fff;font-size:2rem;margin:0 0 16px}.refi-cta p{color:#ccc;font-size:1.05rem;max-width:520px;margin:0 auto 32px;line-height:1.6}.refi-cta-btn{display:inline-block;background:#d4a853;color:#fff;padding:16px 40px;border-radius:8px;font-family:Inter,sans-serif;font-weight:600;font-size:1.05rem;text-decoration:none;transition:background .2s}.refi-cta-btn:hover{background:#c4963f}.refi-related{background:#f5f3ee;padding:56px 24px;text-align:center}.refi-related h2{font-size:1.4rem;color:#1b2a4a;margin:0 0 28px}.refi-related-links{display:flex;justify-content:center;gap:20px;flex-wrap:wrap}.refi-related-link{background:#fff;border-radius:10px;padding:24px 32px;text-decoration:none;box-shadow:0 2px 8px #0000000d;transition:box-shadow .2s;display:flex;align-items:center;gap:12px}.refi-related-link:hover{box-shadow:0 4px 16px #0000001a}.refi-related-link i{color:#d4a853;font-size:1.3rem}.refi-related-link span{font-family:Inter,sans-serif;font-weight:600;color:#1b2a4a;font-size:.95rem}@media(max-width:768px){.refi-hero h1{font-size:1.9rem}.refi-section{padding:52px 20px}.refi-savings-grid,.refi-costs-grid,.refi-broker-benefits{grid-template-columns:1fr}.refi-savings-box{padding:28px 20px}.refi-savings-box .savings-amount{font-size:2.2rem}}