@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;500;600;700;800&display=swap');
:root{--ink:#333333;--forest:#05604C;--ink2:#05604C;--lime:#05604C;--paper:#ECECEC;--cream:#ECECEC;--muted:#606663;--line:#33333326;--shadow:none}
html{scroll-behavior:auto}body{background:#ECECEC!important;color:#333!important;font-family:'Gotham','Montserrat',Arial,sans-serif!important;line-height:1.65}h1,h2,h3,h4,button,input,select,textarea,.brand,.metric strong,.trust .stat strong,.direct-brand,.field output,.result strong{font-family:'Gotham','Montserrat',Arial,sans-serif!important}h1,h2,h3{font-weight:600!important;letter-spacing:-.055em!important}a,button,input,select,textarea{transition:color .25s,background .25s,border-color .25s,transform .3s}a:focus-visible,button:focus-visible{outline:2px solid #05604C;outline-offset:5px}input,select,textarea{color:#333!important;-webkit-text-fill-color:#333;caret-color:#05604C;color-scheme:light}input::placeholder,textarea::placeholder{color:#69716d!important;opacity:1}input:focus,select:focus,textarea:focus{outline:2px solid #05604C!important;outline-offset:3px}
.zaff-nav{background:#ECECEC!important;color:#333!important;border-bottom:1px solid #33333320!important;padding:28px max(24px,calc((100vw - 1240px)/2))!important;gap:28px!important}.zaff-nav a{font-family:'Montserrat',Arial,sans-serif!important;color:#333!important;font-size:14px!important;font-weight:500!important}.zaff-nav .zaff-logo{font-size:30px!important;font-weight:800!important;letter-spacing:-1.6px}.zaff-logo span{color:#05604C!important;font-size:11px!important;letter-spacing:1.8px}.zaff-nav nav{gap:28px!important}.zaff-nav a:hover,.zaff-nav a:focus-visible{color:#05604C!important}.zaff-nav a[aria-current=page]{color:#05604C!important;text-decoration:underline;text-underline-offset:8px}
.premium-home .wrap{width:min(1240px,calc(100% - 64px))}.premium-home section{padding:112px 0}.premium-home .hero{padding:88px 0 0;background:#ECECEC;color:#333;min-height:0}.premium-home .hero-grid{display:block}.premium-home .hero-copy{max-width:1050px}.premium-home .eyebrow{color:#05604C;font-size:12px;font-weight:600;letter-spacing:2px;margin-bottom:22px}.premium-home h1{font-size:clamp(3.4rem,7.6vw,7.1rem);line-height:1.06;max-width:1100px;margin:0 0 26px}.premium-home h1 em{color:#05604C;font-style:normal;font-weight:600}.premium-home .hero p{max-width:610px;font-size:18px;color:#606663;line-height:1.75;margin-bottom:24px}.premium-home .actions{margin:0 0 40px}.premium-home .btn,.premium-home .btn.ghost{background:transparent;color:#05604C;border:0;border-bottom:1px solid #05604C;border-radius:0;padding:12px 0;font-size:14px;font-weight:600;letter-spacing:.01em;box-shadow:none;display:inline-flex;align-items:center}.premium-home .btn:hover{background:transparent;color:#333;transform:translateY(-3px);border-color:#333}
.premium-home .choice-panel{padding:76px 0 40px;background:transparent;border:0;box-shadow:none;border-radius:0;max-width:none}.premium-home .choice-panel h2{font-size:clamp(2rem,4vw,3.6rem);color:#333;line-height:1.12}.premium-home .choice-panel>p{max-width:650px;margin-top:14px}.premium-home .choices{display:grid;grid-template-columns:1fr 1fr;gap:0 52px;margin-top:30px}.premium-home .choice{padding:24px 0;border:0;border-top:1px solid #33333326;border-radius:0;background:transparent;box-shadow:none;text-align:left;display:flex;align-items:flex-start;gap:22px;color:#333}.premium-home .choice i{color:#05604C;font-size:12px;font-style:normal;padding-top:3px}.premium-home .choice span{font-weight:500;font-size:19px}.premium-home .choice small{font-size:14px;color:#606663;display:block;font-weight:400;margin-top:7px}.premium-home .choice:hover{background:transparent;color:#05604C;transform:translateX(5px)}.premium-home .trust{background:transparent;border-top:1px solid #33333326;border-bottom:1px solid #33333326;margin-top:32px}.premium-home .trust-grid{padding:24px 0;gap:24px}.premium-home .trust .stat{border:0;padding:8px 0}.premium-home .trust .stat strong{font-weight:600;color:#05604C;font-size:18px}.premium-home .trust .stat span{font-size:14px;color:#606663}.premium-home .section-head h2,.premium-home .split h2,.premium-home .form-copy h2{font-size:clamp(2.5rem,4.6vw,4.9rem);line-height:1.14;max-width:900px}.premium-home .section-head p,.premium-home .split p,.premium-home .form-copy p{font-size:17px;max-width:650px;color:#606663;line-height:1.8}.premium-home .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:40px 48px}.premium-home .card{min-height:0;border:0;border-top:1px solid #33333326;border-radius:0;background:transparent;padding:24px 0;box-shadow:none}.premium-home .card:hover{transform:none;box-shadow:none}.premium-home .card .num{font-size:12px;color:#05604C}.premium-home .card h3{font-size:25px;margin:28px 0 16px}.premium-home .card p{font-size:16px;color:#606663}.premium-home .usecases{background:transparent}.premium-home .editorial{height:560px;border:0}.premium-home .split{gap:80px}.premium-home .steps .step{border-top:1px solid #33333326;padding:24px 0}.premium-home .steps .step b{color:#05604C}.premium-home .dark{background:#05604C;color:#ECECEC}.premium-home .dark .eyebrow,.premium-home .dark h2{color:#ECECEC}.premium-home .dark .section-head p{color:#d4e3de}.premium-home .proof-grid{gap:72px}.premium-home .proof-grid img{border:0;height:520px}.premium-home .metrics{gap:24px;background:transparent}.premium-home .metric{background:transparent;border-top:1px solid #ECECEC40;padding:24px 0}.premium-home .metric strong{font-size:22px;font-weight:500;color:#ECECEC}.premium-home .metric span{font-size:14px;color:#d4e3de}.premium-home .faq details{padding:25px 0;border-color:#33333326}.premium-home .faq summary{font-size:18px;font-weight:500;font-family:'Montserrat',Arial,sans-serif}.premium-home .faq details p{font-size:16px;color:#606663;line-height:1.8}.premium-home .lead{background:transparent;border-top:1px solid #33333326}.premium-home .lead-grid{gap:96px}.premium-home .form{padding:0;background:transparent;border:0;box-shadow:none;gap:24px}.premium-home .form input,.premium-home .form textarea,.premium-home .form select{background:transparent!important;border:0;border-bottom:1px solid #33333350;border-radius:0;padding:12px 0;font-size:16px;min-height:48px}.premium-home .form label{font-size:14px;font-weight:600}.premium-home .form small{font-size:14px;color:#606663}.premium-home .home-equity-fields{background:transparent;border:0;padding:0}.premium-home footer{background:#05604C;color:#ECECEC;padding:64px 0;display:block}.premium-home footer .brand,.premium-home footer .eyebrow{color:#ECECEC}.premium-home footer p,.premium-home footer .legal{color:#d4e3de;font-size:14px}.premium-home .foot{gap:56px}.premium-home .legal{border-color:#ECECEC40;margin-top:30px;padding-top:24px;line-height:1.75}
.premium-simulation.direct-sim{background:#ECECEC!important}.premium-simulation.direct-sim main{display:block;padding:64px 0;min-height:0}.premium-simulation .shell{width:min(1240px,calc(100% - 64px))}.premium-simulation .sim-wrap{background:transparent!important;border-radius:0!important;box-shadow:none!important;padding:0;grid-template-columns:.85fr 1.15fr;gap:100px}.premium-simulation .sim-copy{position:sticky;top:40px}.premium-simulation .sim-copy h2{font-size:clamp(2.7rem,5vw,5rem);line-height:1.1;color:#333}.premium-simulation .sim-copy .eyebrow{color:#05604C!important;font-size:12px}.premium-simulation .eyebrow:before{display:none}.premium-simulation .sim-copy p{font-size:17px;line-height:1.8}.premium-simulation .sim-copy li{font-size:16px;border-color:#33333326;padding:16px 0}.premium-simulation .sim-copy li:before{color:#05604C}.premium-simulation .calc{border-radius:0;padding:0 0 0 40px;border-left:1px solid #33333326;background:transparent;box-shadow:none}.premium-simulation .field{margin-bottom:30px}.premium-simulation .field label{font-size:14px;font-weight:600;flex-wrap:wrap;gap:8px}.premium-simulation .field output{color:#05604C}.premium-simulation .field input[type=range]{accent-color:#05604C;min-height:32px}.premium-simulation .chips button{background:transparent;border:0;border-bottom:1px solid #33333340;border-radius:0;padding:14px;color:#333}.premium-simulation .chips button.active{background:#05604C;color:#ECECEC}.premium-simulation .qualification-grid{gap:26px 24px}.premium-simulation .qualification-grid input,.premium-simulation .qualification-grid select,.premium-simulation #propertyType{background:transparent!important;border:0!important;border-bottom:1px solid #33333350!important;border-radius:0!important;padding:12px 0!important;font-size:16px}.premium-simulation .qualification-title{font-size:17px}.premium-simulation .result{background:#05604C;border-radius:0;padding:32px;color:#ECECEC}.premium-simulation .result span{color:#d4e3de;font-size:14px}.premium-simulation .result strong{color:#ECECEC;font-size:clamp(2.5rem,4vw,3.6rem);letter-spacing:-.04em}.premium-simulation .share{background:transparent;color:#ECECEC;border:0;border-top:1px solid #ECECEC70;border-radius:0;padding:20px 0 0;margin-top:24px;text-align:left;font-size:17px}.premium-simulation .share:hover{transform:translateY(-3px);background:transparent;color:white}.premium-simulation .fine{font-size:14px!important;line-height:1.7}
body:not(.premium-home):not(.premium-simulation) .brand{color:#05604C}body:not(.premium-home):not(.premium-simulation) .intro-grid,body:not(.premium-home):not(.premium-simulation) .admin-hero{background:#05604C;border-radius:0;box-shadow:none;padding:48px;gap:64px}body:not(.premium-home):not(.premium-simulation) .intro-grid h1,body:not(.premium-home):not(.premium-simulation) .admin-hero h1{line-height:1.12}body:not(.premium-home):not(.premium-simulation) .eyebrow{color:#05604C}body:not(.premium-home):not(.premium-simulation) .intro-grid .eyebrow,body:not(.premium-home):not(.premium-simulation) .admin-hero .eyebrow{color:#ECECEC}body:not(.premium-home):not(.premium-simulation) .progress-card{background:transparent;border:0;border-radius:0;padding:0}body:not(.premium-home):not(.premium-simulation) .progress-card strong{color:#ECECEC}body:not(.premium-home):not(.premium-simulation) .progress-track i{background:#ECECEC}body:not(.premium-home):not(.premium-simulation) .section-block{background:transparent;border:0;border-top:1px solid #33333326;border-radius:0;padding:40px 0;margin-top:40px}body:not(.premium-home):not(.premium-simulation) .section-title>span{background:transparent;color:#05604C;border-radius:0}body:not(.premium-home):not(.premium-simulation) .upload-card,body:not(.premium-home):not(.premium-simulation) .upload-card.done{background:transparent;border:0;border-top:1px solid #33333326;border-radius:0;padding:24px 0;min-height:240px}body:not(.premium-home):not(.premium-simulation) .checklist-grid{gap:32px}body:not(.premium-home):not(.premium-simulation) .doc-icon{background:transparent;color:#05604C}body:not(.premium-home):not(.premium-simulation) .upload-button{background:transparent;color:#05604C;border-radius:0;border-bottom:1px solid #05604C;justify-content:flex-start;padding:12px 0}body:not(.premium-home):not(.premium-simulation) .upload-button:hover{transform:translateY(-2px)}body:not(.premium-home):not(.premium-simulation) .maps-card{border:0;border-top:1px solid #33333326;border-radius:0;padding:24px 0}body:not(.premium-home):not(.premium-simulation) .maps-icon{background:transparent;color:#05604C}body:not(.premium-home):not(.premium-simulation) input,body:not(.premium-home):not(.premium-simulation) select{border-radius:0!important;border:0!important;border-bottom:1px solid #33333350!important;background:transparent}body:not(.premium-home):not(.premium-simulation) .new-request{background:transparent;border:0;border-radius:0;padding:0}body:not(.premium-home):not(.premium-simulation) .new-request input,body:not(.premium-home):not(.premium-simulation) .link-result input{background:#ECECEC!important;padding:13px!important}body:not(.premium-home):not(.premium-simulation) button{border-radius:0;background:#05604C;color:#ECECEC}body:not(.premium-home):not(.premium-simulation) .new-request>button{background:#ECECEC;color:#05604C;border:1px solid #ECECEC;margin-top:12px}body:not(.premium-home):not(.premium-simulation) .request-row{border:0;border-top:1px solid #33333326;border-radius:0;background:transparent}body:not(.premium-home):not(.premium-simulation) .request-body{background:transparent}body:not(.premium-home):not(.premium-simulation) .file-list>a{border-radius:0;background:transparent}body:not(.premium-home):not(.premium-simulation) .notice,body:not(.premium-home):not(.premium-simulation) .link-success{border-radius:0;background:#dce8e3;color:#05604C}body:not(.premium-home):not(.premium-simulation) .notice.error{background:#ffe5e1;color:#9b2924}body:not(.premium-home):not(.premium-simulation) .docs-entry{padding-top:0;border:0}body:not(.premium-home):not(.premium-simulation) .docs-entry a{color:#05604C}body:not(.premium-home):not(.premium-simulation) .docs-entry button{background:transparent;border-bottom:1px solid #05604C;color:#05604C;text-align:left;padding-left:0}.admin-list{margin-top:48px!important}.secure-pill{border-radius:0!important;background:transparent!important;border:0!important;color:#05604C;font-size:14px!important}

@media(max-width:900px){.premium-home .split,.premium-home .proof-grid,.premium-home .lead-grid{grid-template-columns:1fr;gap:44px}.premium-home .cards{grid-template-columns:1fr 1fr;gap:32px}.premium-simulation .sim-wrap{grid-template-columns:1fr;gap:44px}.premium-simulation .sim-copy{position:static}.premium-simulation .calc{border:0;padding:0}.zaff-nav{align-items:flex-start!important}.zaff-nav nav{gap:14px 22px!important}.premium-home section{padding:80px 0}}
@media(max-width:600px){.premium-home .wrap,.premium-simulation .shell{width:calc(100% - 40px)}.zaff-nav{padding:22px 20px!important;flex-direction:column!important;gap:18px!important}.zaff-nav nav{gap:12px 18px!important}.premium-home .hero{padding-top:52px}.premium-home h1{font-size:clamp(2.65rem,11vw,4rem);line-height:1.1}.premium-home .hero p{font-size:16px}.hero-pan{height:360px}.hero-pan img{width:190%}.hero-caption{flex-direction:column;gap:10px}.premium-home .choices,.premium-home .cards{grid-template-columns:1fr}.premium-home .choice-panel{padding:48px 0 20px}.premium-home section{padding:64px 0}.premium-home .trust-grid{grid-template-columns:1fr 1fr}.premium-home .editorial,.premium-home .proof-grid img{height:360px}.premium-home .metrics{grid-template-columns:1fr 1fr}.premium-home .section-head h2,.premium-home .split h2,.premium-home .form-copy h2{font-size:2.4rem;line-height:1.15}.premium-home .form{gap:20px}.premium-simulation.direct-sim main{padding:40px 0}.premium-simulation .sim-copy h2{font-size:2.65rem}.premium-simulation .qualification-grid{grid-template-columns:1fr}.premium-simulation .result{padding:24px}body:not(.premium-home):not(.premium-simulation) .intro-grid,body:not(.premium-home):not(.premium-simulation) .admin-hero{padding:30px 20px;gap:32px}body:not(.premium-home):not(.premium-simulation) .checklist-grid{gap:18px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}.motion-ready .reveal{opacity:1;transform:none}.hero-pan img{transform:none!important}.hero-media-wrap{opacity:1!important;transform:none!important}}

/* Static, direct presentation across the ZAFF site. */
*,*::before,*::after{animation:none!important;transition:none!important}
.reveal{opacity:1!important;transform:none!important}
a:hover,button:hover,.premium-home .btn:hover,.premium-home .choice:hover,.premium-simulation .share:hover,.upload-button:hover{transform:none!important}
.premium-home .hero{padding-top:56px}
.premium-home .simple-hero-intro{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:64px}
.premium-home .hero-copy{min-width:0}
.premium-home h1{font-size:clamp(2.7rem,4.4vw,4.3rem);line-height:1.12;letter-spacing:-.045em!important}
.premium-home .hero p{font-size:16px;line-height:1.75;margin-bottom:28px}
.premium-home .actions{display:flex;flex-wrap:wrap;gap:18px 26px;margin:0}
.premium-home .btn{gap:18px}
.premium-home .simple-hero-image{margin:0;min-width:0}
.premium-home .simple-hero-image img{width:100%;height:460px;object-fit:cover;object-position:55% center}
.premium-home section{padding:76px 0}
.premium-home .choice-panel{padding:56px 0 24px}
.premium-home .choice-panel h2{font-size:2rem}
.premium-home .choice-panel>p{font-size:15px;margin-bottom:0}
.premium-home .choice{padding:20px 0;min-width:0}
.premium-home .choice span{font-size:17px;line-height:1.45}
.premium-home .choice small{font-size:13px;line-height:1.6}
.premium-home .section-head h2,.premium-home .split h2,.premium-home .form-copy h2{font-size:clamp(2rem,3.2vw,3rem);line-height:1.2;letter-spacing:-.04em!important}
.premium-home .section-head p,.premium-home .split p,.premium-home .form-copy p{font-size:16px;line-height:1.75}
.premium-home .cards{gap:24px 40px}
.premium-home .card h3{font-size:22px;margin:18px 0 12px}
.premium-home .simple-method{grid-template-columns:1fr 1fr;gap:80px;align-items:start}
.premium-home .simple-method .steps{margin-top:0}
.premium-home .steps .step{padding:20px 0}
.premium-home .proof-grid{gap:64px;align-items:center}
.premium-home .proof-grid img{width:100%;height:420px;object-fit:cover;object-position:50% 60%}
.premium-home .metrics{gap:12px 24px}
.premium-home .metric{padding:18px 0}
.premium-home .metric strong{font-size:19px}
.premium-home .lead-grid{gap:64px}
.premium-home .trust{margin-top:12px}
.premium-home .trust-grid{padding:20px 0}
@media(max-width:900px){
.premium-home .simple-hero-intro{gap:32px}.premium-home .simple-hero-image img{height:380px}
.premium-home .simple-method,.premium-home .proof-grid,.premium-home .lead-grid{grid-template-columns:1fr;gap:32px}
}
@media(max-width:600px){
.premium-home .hero{padding-top:32px}.premium-home .simple-hero-intro{grid-template-columns:1fr;gap:28px}
.premium-home h1{font-size:2.6rem}.premium-home .simple-hero-image img{height:280px}
.premium-home section{padding:48px 0}.premium-home .choice-panel{padding:36px 0 16px}
.premium-home .choice-panel h2{font-size:1.7rem}.premium-home .choices{margin-top:20px}
.premium-home .section-head h2,.premium-home .split h2,.premium-home .form-copy h2{font-size:2rem}
.premium-home .proof-grid img{height:300px}.premium-home .trust .stat strong{font-size:16px}
.premium-home .trust .stat span{font-size:12px}.premium-home .cards{gap:18px}
}