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body:has(#kb-home) :is(#main-header,#top-header,.et-l--header,.et-l--footer,#main-footer,#sidebar,.entry-title,.post-meta){display:none!important}
body:has(#kb-home) #main-content .container{width:100%;max-width:none;padding:0}
body:has(#kb-home) #main-content .container:before{display:none}
body:has(#kb-home) #left-area{width:100%;padding:0;float:none}
body:has(#kb-home) .et_pb_post{padding:0;margin:0}
body:has(#kb-home) .kb-draft-shell,body:has(#kb-home) .kb-draft-shell .et_pb_row{width:100%;max-width:none;padding:0!important;margin:0!important}
body:has(#kb-home) .kb-draft-shell .et_pb_column,body:has(#kb-home) .kb-draft-shell .et_pb_code{width:100%!important;max-width:none!important;margin:0!important;padding:0!important}
html{scroll-behavior:smooth;scroll-padding-top:30px}body{margin:0}#kb-home{--ink:#142b36;--muted:#53646c;--paper:#fff;--soft:#f2f5f5;--accent:#dfbc78;--line:#d9e0e2;font:16px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:var(--paper);text-align:left}#kb-home *{box-sizing:border-box}#kb-home :where(h1,h2,h3,p,ul,ol,figure){margin:0;padding:0}#kb-home :where(h1,h2,h3){color:var(--ink);font-weight:500;line-height:1.13}#kb-home a{color:inherit;text-decoration:none}#kb-home a:hover{color:#886022}#kb-home a:focus-visible,#kb-home summary:focus-visible{outline:3px solid #99732f;outline-offset:6px}#kb-home img{max-width:100%;display:block}#kb-home .wrap{width:calc(100% - 112px);max-width:1320px;margin-inline:auto}#kb-home .skip{position:absolute;left:15px;top:-150px;z-index:50;padding:12px 20px;background:white}#kb-home .skip:focus{top:15px}#kb-home .topbar{background:var(--ink);color:#e5ecee;font-size:12px;letter-spacing:.025em;padding:9px 0}#kb-home .topbar .wrap{display:flex;justify-content:space-between;gap:16px}#kb-home .topbar a:hover{color:var(--accent)}#kb-home .header{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-block:27px}#kb-home .brand{display:inline-flex;align-items:center;gap:13px;flex-shrink:0;line-height:1.25}#kb-home .monogram{font:54px/.9 Georgia,serif;letter-spacing:-7px;padding-right:8px}#kb-home .monogram span{color:#9b793e}#kb-home .brand strong{display:block;font-size:15px;font-weight:650;letter-spacing:.105em}#kb-home .brand small{display:block;font-size:10px;letter-spacing:.21em;margin-top:5px}#kb-home .desktop-nav{display:flex;gap:26px;font-size:14px}#kb-home .button{display:inline-flex;justify-content:center;align-items:center;gap:26px;padding:17px 23px;border:1px solid var(--ink);background:var(--ink);color:white;font-weight:550;font-size:14px;line-height:1.4;transition:background .2s,transform .2s;min-height:48px}#kb-home 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span{font-size:20px}#kb-home .hero-note{font-size:12px;margin-top:23px;color:var(--muted)}#kb-home .hero-note span{margin-right:7px}#kb-home .hero-visual{position:relative;background:#c2d2e1;min-height:505px;display:flex;flex-direction:column;justify-content:flex-end;overflow:hidden}#kb-home .hero-visual img{width:100%;height:440px;object-fit:cover;object-position:center 30%}#kb-home .photo-label{font-size:10px;letter-spacing:.14em;line-height:1.7;font-weight:600;position:absolute;top:24px;left:27px;z-index:1}#kb-home .photo-caption{display:flex;align-items:center;justify-content:space-between;gap:15px;background:var(--ink);color:white;padding:15px 22px;font-size:12px}#kb-home .photo-caption>span:last-child{font-size:23px;color:var(--accent)}#kb-home .stats{border-top:1px solid var(--line);padding-block:34px 38px;display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr;gap:35px;align-items:center}#kb-home .stats>div+div{border-left:1px solid var(--line);padding-left:35px}#kb-home .stats 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var(--line)}#kb-home .service-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:34px}#kb-home .service-symbol{font-family:Georgia,serif;font-size:20px;color:#6a7e85}#kb-home .index{font-size:11px;color:#72848a}#kb-home .service h3{font:30px/1.15 Georgia,serif;letter-spacing:-.025em;margin-bottom:20px}#kb-home .service p{font-size:14px;color:var(--muted);line-height:1.8}#kb-home .service ul{list-style:none;font-size:12px;margin-block:23px 29px}#kb-home .service li{padding-block:6px;display:flex;align-items:baseline;gap:8px}#kb-home .service li:before{content:'—';color:#9c7940}#kb-home .service-link{border-top:1px solid var(--line);padding-top:20px;font-size:13px;display:flex;justify-content:space-between;gap:15px;align-items:center;margin-top:auto;font-weight:550}#kb-home .service-link span{font-size:22px}#kb-home .section-note{font-size:11px;line-height:1.7;color:var(--muted);margin-top:22px;max-width:1020px}#kb-home .section-note 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.faq-section{background:var(--soft)}#kb-home .faq-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:90px}#kb-home .faq-layout>div>p:not(.eyebrow){font-size:15px;color:var(--muted);max-width:300px;margin-top:25px}#kb-home .faq details{border-top:1px solid #c8d2d5}#kb-home .faq details:last-child{border-bottom:1px solid #c8d2d5}#kb-home .faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:25px;padding-block:22px;font-size:15px;line-height:1.5;font-weight:550}#kb-home summary::-webkit-details-marker{display:none}#kb-home .faq summary:after{content:'+';font-size:22px;line-height:1;flex-shrink:0;font-weight:400}#kb-home .faq details[open] summary:after{content:'−'}#kb-home .faq details p{font-size:14px;color:var(--muted);padding:0 30px 24px 0;line-height:1.8}#kb-home .analysis-section{background:#183541;color:white}#kb-home .analysis-heading{text-align:center}#kb-home .analysis-heading h2{color:white;font-size:50px}#kb-home .analysis-heading h2 em{color:#dfbc78}#kb-home .analysis-heading .eyebrow{color:#dfbc78}#kb-home .analysis-heading>p:last-child{max-width:535px;margin:22px auto 38px;color:#c8d6dc;font-size:15px}#kb-home .analysis-options{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}#kb-home .analysis-options>a{padding:26px;border:1px solid #54707d;transition:background .2s;display:flex;flex-direction:column}#kb-home .analysis-options>a:hover{background:#294b5a;color:white}#kb-home .analysis-options>a>span:first-child{font:18px Georgia,serif;color:#dfbc78;display:flex;justify-content:space-between;gap:15px}#kb-home .analysis-options small{font:10px/1.5 Arial,sans-serif;letter-spacing:.1em;color:#c2d1d7}#kb-home .analysis-options strong{font:26px/1.25 Georgia,serif;margin-block:27px 33px;max-width:270px}#kb-home .option-bottom{font-size:12px;display:flex;justify-content:space-between;align-items:center;gap:10px;margin-top:auto}#kb-home .option-bottom b{font-size:24px;font-weight:400;color:#dfbc78}#kb-home .analysis-help{text-align:center;font-size:13px;color:#c8d6dc;margin-top:30px}#kb-home .analysis-help a{color:white;text-decoration:underline;text-underline-offset:4px;margin-left:7px}#kb-home .footer{padding-top:65px}#kb-home .footer-grid{display:grid;grid-template-columns:1.1fr 1.2fr 1fr;gap:35px}#kb-home .footer h2{font-family:inherit;font-size:12px;letter-spacing:.08em;font-weight:600;margin-bottom:20px}#kb-home .footer p{font-size:13px;margin-top:25px;color:var(--muted)}#kb-home .footer-grid>div>a:not(.brand){display:block;font-size:12px;margin-top:12px;overflow-wrap:anywhere}#kb-home .footer-grid>div>a.footer-phone{font:26px Georgia,serif;margin-top:0}#kb-home address{font-style:normal;font-size:13px;line-height:1.9;color:var(--muted)}#kb-home .footer-bottom{border-top:1px solid var(--line);margin-top:45px;padding-block:22px;display:flex;justify-content:space-between;gap:20px;font-size:11px;color:var(--muted)}
@media(min-width:1500px){#kb-home .hero-visual{min-height:560px}#kb-home .hero-visual img{height:495px}}
@media(max-width:1150px){#kb-home .wrap{width:calc(100% - 64px)}#kb-home .desktop-nav{gap:16px;font-size:12px}#kb-home .header{gap:18px}#kb-home .header-cta{display:none}#kb-home .hero{gap:25px}#kb-home .hero-visual{min-height:465px}#kb-home .hero-visual img{height:405px}#kb-home .hero-actions{gap:17px;flex-wrap:wrap}#kb-home .stats{gap:23px}#kb-home .stats>div+div{padding-left:23px}#kb-home .service{padding:25px 23px}#kb-home .service h3{font-size:27px}#kb-home .about{gap:40px}#kb-home .about-photo img{height:335px}#kb-home .section-heading{gap:35px}#kb-home .section-heading>p{max-width:290px}#kb-home .faq-layout{gap:50px}#kb-home .footer-grid{grid-template-columns:1fr 1fr}#kb-home .footer-grid>div:first-child{grid-column:1/-1}}
@media(max-width:760px){html{scroll-padding-top:15px}#kb-home .wrap{width:calc(100% - 40px)}#kb-home .topbar{font-size:10px;padding:9px 0}#kb-home .topbar .wrap{justify-content:center}#kb-home .topbar .wrap>span{display:none}#kb-home .header{padding-block:23px;position:relative}#kb-home .monogram{font-size:46px}#kb-home .brand strong{font-size:12px}#kb-home .brand small{font-size:8px}#kb-home .desktop-nav{display:none}#kb-home .mobile-nav{display:block}#kb-home .mobile-nav summary{border:1px solid var(--line);padding:9px 13px;font-size:13px;cursor:pointer;list-style:none}#kb-home .mobile-nav nav{position:absolute;z-index:5;left:0;right:0;top:83px;padding:14px 20px;background:white;box-shadow:0 12px 20px #142b3620;border:1px solid var(--line)}#kb-home .mobile-nav nav a{display:block;font-size:15px;padding:10px 0}#kb-home .hero{grid-template-columns:1fr;gap:34px;padding-block:20px 35px}#kb-home .hero-copy{max-width:600px}#kb-home .eyebrow{font-size:10px;margin-bottom:18px}#kb-home h1{font-size:clamp(40px,8vw,56px);line-height:1.1}#kb-home .intro{font-size:16px;line-height:1.75;margin-top:21px;max-width:550px}#kb-home .hero-actions{margin-top:24px;gap:18px}#kb-home .button{padding:15px 18px;font-size:13px}#kb-home .hero-note{font-size:11px;line-height:1.65;margin-top:17px}#kb-home .hero-visual{min-height:0;padding-top:38px}#kb-home .hero-visual img{height:auto;width:100%;object-fit:contain}#kb-home .photo-label{font-size:8px;top:14px;left:17px;line-height:1.5}#kb-home .photo-caption{font-size:10px;padding:12px 16px}#kb-home .stats{grid-template-columns:1fr 1fr;gap:26px;padding-block:28px 38px}#kb-home .stats>div+div{padding-left:20px}#kb-home .stats>div:nth-child(3){border-left:0;padding-left:0}#kb-home .stats strong{font-size:42px}#kb-home .stats p:not(.eyebrow){font-size:12px}#kb-home .stats small{font-size:10px}#kb-home .stats .eyebrow{font-size:10px}#kb-home .stat-intro a{font-size:11px}#kb-home .section{padding-block:58px}#kb-home h2{font-size:34px}#kb-home .section-heading{display:block;margin-bottom:30px}#kb-home .section-heading>p{font-size:15px;max-width:none;margin-top:20px}#kb-home .section-heading>a{margin-top:24px}#kb-home .service-grid{grid-template-columns:1fr}#kb-home .service{padding:28px}#kb-home .service+.service{border-left:0;border-top:1px solid var(--line)}#kb-home .service-top{margin-bottom:25px}#kb-home .service h3{font-size:31px}#kb-home .service p{font-size:16px}#kb-home .service ul{font-size:14px;margin-block:20px}#kb-home .service-link{font-size:14px}#kb-home .section-note{font-size:12px}#kb-home .about{grid-template-columns:1fr;gap:30px}#kb-home .about-photo img{height:auto}#kb-home .about-copy>p:not(.eyebrow){font-size:16px}#kb-home .about-principles{font-size:12px}#kb-home .steps{grid-template-columns:1fr 1fr;gap:32px 25px;margin-top:34px}#kb-home .steps h3{font-size:16px;line-height:1.35}#kb-home .steps p{font-size:14px}#kb-home .result-feature{grid-template-columns:1fr;padding:28px;gap:30px}#kb-home .result-feature h3{font-size:28px}#kb-home .result-feature p:not(.eyebrow){font-size:16px}#kb-home .result-number{font-size:90px;border-top:1px solid var(--line);padding-top:25px;text-align:left;display:flex;align-items:center;gap:20px}#kb-home .result-number span{font-size:12px;line-height:1.5;margin:0}#kb-home .faq-layout{grid-template-columns:1fr;gap:32px}#kb-home .faq-layout>div>p:not(.eyebrow){max-width:none;font-size:16px}#kb-home .faq summary{font-size:16px;padding-block:20px}#kb-home .faq details p{font-size:16px}#kb-home .analysis-heading{text-align:left}#kb-home .analysis-heading h2{font-size:37px}#kb-home .analysis-heading>p:last-child{margin-inline:0;font-size:16px}#kb-home .analysis-options{grid-template-columns:1fr}#kb-home .analysis-options strong{max-width:none;font-size:28px;margin-block:23px}#kb-home .analysis-options small{font-size:11px}#kb-home .option-bottom{font-size:14px}#kb-home .analysis-help{font-size:14px;line-height:1.9}#kb-home .analysis-help a{display:block;margin:0}#kb-home .footer{padding-top:45px}#kb-home .footer-grid{grid-template-columns:1fr;gap:34px}#kb-home .footer h2{font-size:14px;margin-bottom:14px}#kb-home .footer-grid>div>a:not(.brand){font-size:14px}#kb-home .footer p,#kb-home address{font-size:14px}#kb-home .footer-bottom{font-size:11px;flex-direction:column;gap:8px;margin-top:35px}}
#kb-home .hero-visual{min-height:0;padding-top:70px}#kb-home .hero-visual img{height:auto;object-fit:contain}#kb-home .service p,#kb-home .about-copy>p:not(.eyebrow),#kb-home .result-feature p:not(.eyebrow),#kb-home .faq details p{font-size:16px}#kb-home .service ul{font-size:14px}#kb-home .service-link{font-size:14px}
@media(max-width:760px){#kb-home .hero-visual{padding-top:40px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}#kb-home *{transition:none!important}}@media(forced-colors:active){#kb-home .button,#kb-home .analysis-options>a{border:1px solid ButtonText}}

#kb-home .desktop-nav a[aria-current="page"]{border-bottom:1px solid #9b793e;padding-bottom:5px}#kb-home .subhero{padding-block:20px 62px}#kb-home .breadcrumb{font-size:12px;color:var(--muted);margin-bottom:42px}#kb-home .breadcrumb a{text-decoration:underline;text-underline-offset:3px}#kb-home .subhero h1{font:clamp(40px,4.8vw,68px)/1.09 Georgia,serif;letter-spacing:-.035em;max-width:1000px}#kb-home .subhero h1 em{color:#5d747c;font-weight:400}#kb-home .sublead{font-size:18px;line-height:1.85;max-width:770px;color:var(--muted);margin-top:26px}#kb-home .subhero>.button{margin-top:28px}#kb-home .section-nav{display:flex;flex-wrap:wrap;border-top:1px solid var(--line);border-bottom:1px solid var(--line);gap:0;margin-bottom:5px}#kb-home .section-nav a{font-size:14px;padding:20px 26px 20px 0;margin-right:30px;line-height:1.5}#kb-home .offer-detail{display:grid;grid-template-columns:1fr 1.2fr;gap:85px}#kb-home .offer-title>p:not(.eyebrow){font-size:16px;line-height:1.85;color:var(--muted);margin-top:25px}#kb-home .offer-title .text-link{margin-top:20px}#kb-home .offer-body h3,#kb-home .document-list h3,#kb-home .simulation-grid h3{font:26px/1.3 Georgia,serif;letter-spacing:-.015em;margin-bottom:18px}#kb-home .check-list{list-style:none}#kb-home .check-list li{position:relative;padding:17px 0 17px 25px;border-bottom:1px solid var(--line);font-size:16px;line-height:1.8;color:var(--muted)}#kb-home .check-list li:before{content:'—';position:absolute;left:0;color:#8f6e36}#kb-home .check-list strong{font-weight:600;color:var(--ink)}#kb-home .check-list li:first-child{padding-top:0}#kb-home .offer-body>.button{margin-top:25px}#kb-home .note-box{background:#eef2f3;border-left:3px solid #b99554;padding:25px 27px;margin-top:28px}#kb-home .note-box h3{font:20px/1.4 Georgia,serif;margin-bottom:10px}#kb-home .note-box p{font-size:15px;line-height:1.85;color:var(--muted)}#kb-home .soft-section{background:#f2f5f5}#kb-home .soft-section .note-box{background:white}#kb-home .compact-cta{display:flex;align-items:center;justify-content:space-between;gap:40px}#kb-home .simulation-intro{font-size:14px;max-width:780px;color:var(--muted);margin-top:22px;border-left:2px solid #b99554;padding-left:17px}#kb-home .scenario-tag{border:1px solid var(--line);font-size:12px;padding:8px 14px;color:var(--muted);white-space:nowrap}#kb-home .simulation-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}#kb-home .numbers{margin:0}#kb-home .numbers>div{display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid var(--line);padding-block:16px;font-size:15px;line-height:1.6}#kb-home .numbers dt{color:var(--muted)}#kb-home .numbers dd{margin:0;text-align:right;font-weight:600;white-space:nowrap}#kb-home .model-note{font-size:13px;line-height:1.8;margin-top:18px;color:var(--muted)}#kb-home .calculation{margin-top:23px;border-top:1px solid #c8d2d5;border-bottom:1px solid #c8d2d5}#kb-home .calculation summary{padding-block:18px;cursor:pointer;list-style:none;font-size:14px;font-weight:600;display:flex;justify-content:space-between;gap:20px}#kb-home .calculation summary:after{content:'+';font-size:22px;line-height:1;font-weight:400}#kb-home .calculation[open] summary:after{content:'−'}#kb-home .calculation p{font-size:14px;line-height:1.85;color:var(--muted);padding-bottom:18px}#kb-home .calculation ul{padding-left:20px;padding-bottom:20px;font-size:14px;line-height:2}#kb-home .calculation a{text-decoration:underline;text-underline-offset:3px}#kb-home .simulation-result{background:#183541;color:white;padding:37px 38px;border-top:3px solid #dfbc78}#kb-home .simulation-result .eyebrow{color:#dfbc78;font-size:10px;margin-bottom:25px}#kb-home .big-amount{display:block;font:clamp(38px,4.4vw,64px)/1.15 Georgia,serif;letter-spacing:-.04em;font-variant-numeric:lining-nums tabular-nums}#kb-home .big-amount small{font-size:22px;letter-spacing:0;white-space:nowrap}#kb-home .amount-label{font-size:15px;color:#cad8de;margin-top:11px;line-height:1.6}#kb-home .result-parts{margin-top:32px;border-top:1px solid #56707b}#kb-home .result-parts>div{display:flex;justify-content:space-between;gap:24px;align-items:center;padding:18px 0;border-bottom:1px solid #56707b;font-size:14px;line-height:1.6}#kb-home .result-parts strong{font-size:20px;white-space:nowrap;font-weight:500}#kb-home .simulation-result .model-note{color:#c5d4da;font-size:12px}#kb-home .simulation-footnote{font-size:13px;line-height:1.85;color:var(--muted);margin-top:28px;max-width:1000px}#kb-home .simulation>.text-link{margin-top:15px}#kb-home .section-description{font-size:16px;color:var(--muted);line-height:1.9;max-width:900px;margin-bottom:32px}#kb-home .rate-comparison{margin-top:30px}#kb-home .rate-comparison>div{display:grid;grid-template-columns:1fr auto;gap:12px;margin-top:26px;align-items:center}#kb-home .rate-comparison>div>span{font-size:13px;color:#c5d4da}#kb-home .rate-comparison strong{font-size:21px;font-weight:500}#kb-home .bar-track{grid-column:1/-1;height:10px;background:#365361}#kb-home .bar{display:block;height:100%;background:#aec5d0}#kb-home .bar-full{width:100%}#kb-home .bar-reduced{width:65.25%;background:#dfbc78}#kb-home .analysis-flow{display:grid;grid-template-columns:1.1fr 1fr;gap:80px;align-items:start}#kb-home .analysis-flow>div>p:not(.eyebrow):not(.model-note){font-size:16px;line-height:1.9;color:var(--muted);margin-top:24px}#kb-home .analysis-flow .button{margin-top:25px}#kb-home .document-list{padding:30px;background:var(--soft)}#kb-home .soft-section .document-list{background:white}#kb-home .document-list>p{font-size:14px!important;margin-top:20px!important}#kb-home .contact-choice{display:grid;grid-template-columns:1fr 1fr;gap:70px}#kb-home .contact-choice p{font-size:16px;line-height:1.8;color:var(--muted);margin-top:25px}#kb-home .contact-choice .eyebrow{font-size:11px;margin-top:0}#kb-home .contact-panel{background:var(--soft);padding:30px;align-self:center}#kb-home .contact-panel>a{display:flex;justify-content:space-between;align-items:center;gap:15px;font-size:18px;padding-block:17px;border-bottom:1px solid var(--line);overflow-wrap:anywhere}#kb-home .contact-panel>a span{font-size:24px}#kb-home .contact-panel>p{font-size:14px}#kb-home .sources{max-width:950px}
@media(max-width:1100px){#kb-home .offer-detail,#kb-home .analysis-flow{gap:45px}#kb-home .simulation-grid{gap:30px}#kb-home .simulation-result{padding:30px 25px}#kb-home .result-parts>div{display:block}#kb-home .result-parts strong{display:block;margin-top:5px}#kb-home .section-nav a{margin-right:14px;padding-right:14px}#kb-home .contact-choice{gap:35px}}
@media(min-width:761px) and (max-width:1000px){#kb-home .desktop-nav{display:none}#kb-home .header{position:relative}#kb-home .mobile-nav{display:block}#kb-home .mobile-nav summary{list-style:none;padding:10px 16px;border:1px solid var(--line);cursor:pointer;font-size:14px}#kb-home .mobile-nav nav{position:absolute;z-index:5;background:white;right:0;top:85px;padding:20px 28px;border:1px solid var(--line);min-width:240px;box-shadow:0 12px 20px #142b3620}#kb-home .mobile-nav nav a{display:block;padding:11px 0;font-size:15px}}
@media(max-width:760px){#kb-home .subhero{padding-block:15px 36px}#kb-home .breadcrumb{font-size:12px;margin-bottom:28px}#kb-home .subhero h1{font-size:39px;line-height:1.13}#kb-home .sublead{font-size:17px;line-height:1.8;margin-top:22px}#kb-home .section-nav{display:grid;grid-template-columns:1fr 1fr;gap:0 15px}#kb-home .section-nav a{font-size:13px;line-height:1.6;margin:0;padding:14px 0}#kb-home .offer-detail,#kb-home .analysis-flow,#kb-home .contact-choice{grid-template-columns:1fr;gap:30px}#kb-home .offer-title h2{font-size:34px}#kb-home .check-list li{font-size:16px}#kb-home .note-box{padding:23px}#kb-home .note-box p{font-size:15px}#kb-home .compact-cta{display:block}#kb-home .compact-cta>.button{margin-top:25px}#kb-home .simulation-intro{font-size:14px}#kb-home .scenario-tag{display:inline-block;margin-top:20px}#kb-home .simulation-grid{grid-template-columns:1fr;gap:28px}#kb-home .numbers>div{font-size:14px;gap:15px}#kb-home .numbers dd{max-width:50%;white-space:normal}#kb-home .simulation-result{padding:29px 24px}#kb-home .big-amount{font-size:47px;letter-spacing:-.04em}#kb-home .big-amount small{font-size:20px}#kb-home .result-parts>div{display:flex;font-size:14px;gap:14px}#kb-home .result-parts strong{font-size:18px;margin:0}#kb-home .simulation-footnote,#kb-home .model-note{font-size:14px}#kb-home .calculation summary{font-size:15px;line-height:1.6}#kb-home .calculation p{font-size:15px}#kb-home .analysis-flow .button{gap:12px;text-align:left}#kb-home .document-list{padding:25px}#kb-home .contact-panel{padding:25px}#kb-home .contact-panel>a{font-size:16px}#kb-home .simulation>.section-heading h2{font-size:32px}#kb-home .analysis-options strong{font-size:27px}}
@media(max-width:360px){#kb-home .big-amount{font-size:39px}#kb-home .result-parts>div{display:block}#kb-home .result-parts strong{margin-top:6px}#kb-home .subhero h1{font-size:34px}}

/* Separate currency-loan settlements from the two distinct PLN mechanisms. */
#kb-home .loan-choice{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:72px}
#kb-home .loan-choice-card{display:flex;flex-direction:column;padding:36px 38px;border:1px solid #d9e0e2;border-top:4px solid #183541;transition:transform .2s}
#kb-home .loan-choice-card:hover{transform:translateY(-3px)}
#kb-home .choice-fx{background:#183541;color:#fff}
#kb-home .choice-fx:hover{color:#fff}
#kb-home .choice-pln{background:#f5f0e7;border-top-color:#a47b36}
#kb-home .loan-choice-card .eyebrow{margin-bottom:18px}
#kb-home .choice-fx .eyebrow{color:#dfbc78}
#kb-home .loan-choice-card>strong{font:clamp(30px,3vw,42px)/1.15 Georgia,serif;letter-spacing:-.025em}
#kb-home .choice-description{margin-top:18px;line-height:1.8;font-size:16px}
#kb-home .choice-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #c4bba9;margin-top:30px;padding-top:20px;font-size:14px;font-weight:550}
#kb-home .choice-fx .choice-bottom{border-color:#56707b}
#kb-home .family-heading{padding-block:64px;background:#183541;color:#fff}
#kb-home .family-heading-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:70px;align-items:start}
#kb-home .family-heading h2{color:inherit;font-size:clamp(38px,4.4vw,62px)}
#kb-home .family-heading .eyebrow{color:#dfbc78;margin-bottom:20px}
#kb-home .family-heading-grid>div>p:not(.eyebrow){font-size:17px;line-height:1.8}
#kb-home .family-heading-grid>div>.family-note{font-size:14px;margin-top:16px;color:#c5d4da}
#kb-home .family-links{display:flex;flex-wrap:wrap;gap:12px 26px;margin-top:26px}
#kb-home .family-links a{padding:12px 0;border-bottom:1px solid #78909a;font-size:14px}
#kb-home .family-links a:hover{color:#dfbc78}
#kb-home .loan-family-pln{margin-top:72px;border-top:5px solid #a47b36}
#kb-home .loan-family-pln .family-heading{background:#f5f0e7;color:var(--ink)}
#kb-home .loan-family-pln .eyebrow{color:#785921}
#kb-home .loan-family-pln .family-links{display:grid;grid-template-columns:1fr;gap:6px}
#kb-home .loan-family-pln .family-links a{border-color:#c4bba9}
#kb-home .loan-family-pln .family-links a:hover{color:#785921}
#kb-home .family-links strong,#kb-home .family-links span{display:block}
#kb-home .family-links strong{font-size:17px;font-weight:600}
#kb-home .family-links span{margin-top:5px;font-size:14px}
#kb-home .loan-family-pln .soft-section{background:#f8f5ef}
#kb-home .scenario-title{font:clamp(32px,3.2vw,46px)/1.16 Georgia,serif;letter-spacing:-.035em}
#kb-home .scenario-title em{font-weight:400;color:#5d747c}
@media(max-width:760px){#kb-home .loan-choice{grid-template-columns:1fr;gap:16px;margin-bottom:42px}#kb-home .loan-choice-card{padding:28px 24px}#kb-home .family-heading{padding-block:42px}#kb-home .family-heading-grid{grid-template-columns:1fr;gap:26px}#kb-home .family-heading h2{font-size:39px}#kb-home .family-heading-grid>div>p:not(.eyebrow){font-size:16px}#kb-home .family-links{gap:8px 20px;margin-top:18px}#kb-home .loan-family-pln{margin-top:42px}#kb-home .scenario-title{font-size:32px}}
#kb-home .footer-contact>a{display:block;padding-block:5px;font-variant-numeric:tabular-nums}#kb-home .footer-contact>a>span{display:inline-block;min-width:90px;color:#53646c;font-size:12px}#kb-home .contact-email{overflow-wrap:anywhere}#kb-home .social-links{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:25px}#kb-home .social-links a{font-size:13px;padding-block:6px;border-bottom:1px solid #56707b}#kb-home .footer .analysis-links-title{margin-top:28px}#kb-home .footer address{margin-top:12px}#kb-home .contact-panel>a>span{font-size:13px;color:var(--muted)}

@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/manrope/v20/xn7gYHE41ni1AdIRggmxSvfedN62Zw.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/manrope/v20/xn7gYHE41ni1AdIRggexSvfedN4.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* Modern visual system: geometric type, tactile controls, readable HTML diagrams. */
#kb-home{--modern-font:'Manrope',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;font-family:var(--modern-font);--soft:#f3f6f7;--accent:#e5be76}
#kb-home h1,#kb-home h2,#kb-home h3,#kb-home .subhero h1,#kb-home .scenario-title,#kb-home .family-heading h2,#kb-home .offer-body h3,#kb-home .document-list h3,#kb-home .simulation-grid h3,#kb-home .note-box h3,#kb-home .loan-choice-card>strong,#kb-home .analysis-options strong,#kb-home .stats strong,#kb-home .big-amount,#kb-home .result-number{font-family:var(--modern-font);font-weight:650;letter-spacing:-.045em}
#kb-home h1{font-size:clamp(42px,4.7vw,72px);line-height:1.09;font-weight:700}
#kb-home .subhero h1{font-size:clamp(42px,5.1vw,76px);line-height:1.1;font-weight:700}
#kb-home h1 em,#kb-home h2 em,#kb-home .subhero h1 em,#kb-home .scenario-title em{font-style:normal;font-weight:inherit;color:#547786}
#kb-home .analysis-heading h2 em{color:#e5be76}
#kb-home .eyebrow{font-size:11px;letter-spacing:.12em}
#kb-home .header{padding-block:24px}
#kb-home .desktop-nav{gap:22px;font-weight:600}
#kb-home .button{border-radius:100px;padding:15px 22px;gap:22px;box-shadow:0 5px 15px #142b3610;transition:transform .25s,box-shadow .25s,background .25s}
#kb-home .button>span{width:32px;height:32px;display:grid;place-items:center;border-radius:50%;background:#ffffff1a;transition:transform .3s,background .3s}
#kb-home .button:hover,#kb-home .button:focus-visible{transform:translateY(-4px);box-shadow:0 12px 24px #142b3628;background:#254d60}
#kb-home .button:hover>span,#kb-home .button:focus-visible>span{transform:rotate(45deg);background:#dfbc78;color:#142b36}
#kb-home .button:active{transform:translateY(0) scale(.98)}
#kb-home .button.small{padding:10px 14px 10px 19px}
#kb-home .text-link>span,#kb-home .service-link>span,#kb-home .choice-bottom>span,#kb-home .option-bottom b{display:inline-block;transition:transform .25s}
#kb-home .text-link:hover>span,#kb-home .service-link:hover>span,#kb-home .analysis-options>a:hover b{transform:translate(3px,-3px)}
#kb-home .loan-choice-card:hover .choice-bottom>span{transform:translateY(5px)}
#kb-home .hero{gap:48px;padding-top:45px;padding-bottom:80px}
#kb-home .hero-copy .intro{max-width:510px;font-size:17px;line-height:1.85}
#kb-home .hero-visual{border-radius:24px;box-shadow:0 22px 50px #142b3614}
#kb-home .hero-note{font-size:12px}
#kb-home .hero-note>span{display:inline-grid;place-items:center;width:24px;height:24px;background:#e5eee9;color:#325948;border-radius:50%}
#kb-home .hero-visual .photo-label{background:#f9fbfccf;backdrop-filter:blur(8px);padding:12px 16px;border-radius:12px}
#kb-home .service-grid{border:0;gap:20px;background:transparent}
#kb-home .service{border:1px solid #dce4e7!important;border-radius:20px;background:#fff;transition:transform .3s,box-shadow .3s}
#kb-home .service:hover{transform:translateY(-6px);box-shadow:0 16px 35px #142b3610}
#kb-home .service h3{font-size:29px;font-weight:650}
#kb-home .service-symbol{font:600 15px var(--modern-font);background:#edf2f4;padding:10px 14px;border-radius:100px;color:#365665}
#kb-home .stats{background:#f3f6f7;border:0;border-radius:20px;padding:32px}
#kb-home .stats strong{font-size:47px}
#kb-home .about-photo,#kb-home .result-feature,#kb-home .document-list,#kb-home .contact-panel{border-radius:20px;overflow:hidden}
#kb-home .analysis-options>a{border-radius:18px;transition:background .25s,transform .25s,border-color .25s}
#kb-home .analysis-options>a:hover{transform:translateY(-5px);border-color:#dfbc78}
#kb-home .loan-choice-card{border-radius:20px;padding:34px;box-shadow:0 8px 26px #142b3609}
#kb-home .loan-choice-card>strong{font-size:clamp(29px,3vw,40px)}
#kb-home .simulation-result{border-radius:20px;background:linear-gradient(140deg,#183541,#234c5e);box-shadow:0 14px 32px #142b3610}
#kb-home .big-amount{font-size:clamp(36px,4vw,57px);font-weight:700}
#kb-home .big-amount small{font-size:19px}
#kb-home .note-box{border-radius:0 14px 14px 0}
#kb-home .family-heading{background:radial-gradient(ellipse at 90% 0%,#305a6e 0%,#183541 65%)}
#kb-home .family-heading h2{font-size:clamp(36px,4vw,57px)}
#kb-home .loan-family-pln .family-heading{background:linear-gradient(115deg,#f5f0e7,#fcfaf6)}
#kb-home .family-links a{transition:transform .25s}
#kb-home .family-links a:hover{transform:translateX(4px)}
#kb-home .social-links a{border:1px solid #d9e0e2;border-radius:100px;padding:8px 12px;transition:background .2s,transform .2s}
#kb-home .social-links a:hover{background:#f0f4f5;transform:translateY(-3px)}
#kb-home .journey{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;list-style:none;counter-reset:journey}
#kb-home .journey li{position:relative;background:#f3f6f7;border:1px solid #e1e7ea;border-radius:20px;padding:30px}
#kb-home .journey li+li:before{content:'→';position:absolute;left:-23px;top:42px;z-index:1;background:white;color:#567988;border-radius:50%;width:22px;text-align:center}
#kb-home .journey-icon{display:grid;place-items:center;width:55px;height:55px;border-radius:16px;background:#183541;color:#dfbc78;font-size:19px;font-weight:650;margin-bottom:28px}
#kb-home .journey h3{font-size:23px;margin-bottom:14px}
#kb-home .journey p{font-size:15px;line-height:1.8;color:var(--muted)}
#kb-home .journey-tag{display:inline-block;margin-top:22px;padding:6px 11px;border:1px solid #d1dde2;border-radius:100px;font-size:11px;color:#456371}
#kb-home .decision-map{padding-top:15px}
#kb-home .decision-map>.text-link{margin-top:26px}
#kb-home .benefit-graphic{padding:32px;margin-bottom:38px;border:1px solid #dce5e9;border-radius:20px;background:#f5f8f9}
#kb-home .benefit-graphic figcaption{font-size:20px;font-weight:700;letter-spacing:-.025em;margin-bottom:24px}
#kb-home .benefit-track{height:26px;display:flex;gap:5px;overflow:hidden;border-radius:8px}
#kb-home .benefit-cash{width:33.333%;background:#527f91;border-radius:6px}
#kb-home .benefit-balance{width:66.667%;background:#dfbc78;border-radius:6px}
#kb-home .benefit-legend{display:flex;gap:28px;align-items:center;margin-top:24px}
#kb-home .benefit-legend>div{display:grid;grid-template-columns:12px 1fr;gap:3px 9px}
#kb-home .benefit-legend strong{font-size:23px;letter-spacing:-.035em}
#kb-home .benefit-legend>div>span:last-child{grid-column:2;color:var(--muted);font-size:13px}
#kb-home .legend-dot{height:10px;width:10px;border-radius:50%;margin-top:13px}
#kb-home .cash-dot{background:#527f91}#kb-home .balance-dot{background:#dfbc78}
#kb-home .math-sign{font-size:25px;color:#68808c}
#kb-home .benefit-graphic>p{font-size:13px;color:var(--muted);margin-top:20px}
@keyframes kb-enter{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:translateY(0)}}
@keyframes kb-bar{from{transform:scaleX(.1)}to{transform:scaleX(1)}}
@media(prefers-reduced-motion:no-preference){#kb-home .hero-copy,#kb-home .subhero{animation:kb-enter .65s ease-out both}#kb-home .hero-visual{animation:kb-enter .8s .12s ease-out both}@supports(animation-timeline:view()){#kb-home .benefit-track>span,#kb-home .bar{transform-origin:left;animation:kb-bar 1s ease-out both;animation-timeline:view();animation-range:entry 0% entry 100%}}}
@media(prefers-reduced-motion:reduce){#kb-home *,#kb-home *:before,#kb-home *:after{animation:none!important;transition:none!important;scroll-behavior:auto!important}}
@media(max-width:1100px){#kb-home .desktop-nav{gap:15px;font-size:13px}#kb-home .header{gap:16px}#kb-home .hero{gap:30px}#kb-home .journey li{padding:24px}}
@media(max-width:760px){#kb-home .hero{gap:30px;padding-top:25px;padding-bottom:45px}#kb-home h1,#kb-home .subhero h1{font-size:42px}#kb-home h2,#kb-home .scenario-title{font-size:31px}#kb-home .family-heading h2{font-size:36px}#kb-home .hero-actions{flex-wrap:wrap;gap:14px}#kb-home .button{padding:13px 18px;font-size:13px;gap:15px}#kb-home .stats{padding:24px 20px}#kb-home .stats strong{font-size:37px}#kb-home .journey{grid-template-columns:1fr;gap:20px}#kb-home .journey li+li:before{content:'↓';left:40px;top:-23px}#kb-home .journey-icon{margin-bottom:18px}#kb-home .loan-choice-card{padding:28px 24px}#kb-home .big-amount{font-size:41px}#kb-home .big-amount small{font-size:17px}#kb-home .benefit-graphic{padding:24px 20px}#kb-home .benefit-legend{gap:13px;flex-wrap:wrap}#kb-home .benefit-legend strong{font-size:20px}#kb-home .analysis-heading h2{font-size:34px}#kb-home .hero-visual{min-height:0}#kb-home .family-heading-grid{gap:26px}}
@media(max-width:360px){#kb-home h1,#kb-home .subhero h1{font-size:36px}#kb-home .big-amount{font-size:35px}#kb-home .benefit-legend{display:grid;grid-template-columns:1fr}#kb-home .math-sign{display:none}}
/* Source-linked result graphics: the labels remain real text. */
#kb-home .sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
#kb-home .proof-layout{display:grid;grid-template-columns:.8fr 1.6fr;gap:28px;align-items:start}
#kb-home .proof-summary{background:#183541;color:#fff;border-radius:22px;padding:36px;position:sticky;top:24px}
#kb-home .proof-summary .eyebrow{color:#dfbc78}
#kb-home .proof-total{font-size:112px;letter-spacing:-.07em;line-height:1.1;font-weight:700;display:block}
#kb-home .proof-summary>p:not(.eyebrow){font-size:17px;line-height:1.7;margin-top:14px;color:#d3e0e6}
#kb-home .proof-final{display:flex;gap:22px;align-items:center;border-top:1px solid #56707b;margin-top:28px;padding-top:25px}
#kb-home .proof-final strong{font-size:44px;line-height:1.1;color:#dfbc78}
#kb-home .proof-final span{font-size:14px;line-height:1.6}
#kb-home .proof-summary>.proof-caption{font-size:12px!important;margin-top:28px!important}
#kb-home .proof-summary .text-link{color:#dfbc78;font-size:13px;margin-top:10px}
#kb-home .bank-chart{border:1px solid #dce5e9;border-radius:22px;padding:30px;background:#f7f9fa}
#kb-home .bank-chart figcaption{font-size:21px;font-weight:700;line-height:1.4;margin-bottom:18px}
#kb-home .bank-chart figcaption>span{display:block;font-size:12px;font-weight:500;color:var(--muted);margin-top:7px}
#kb-home .bank-chart ol{list-style:none}
#kb-home .bank-chart li{display:grid;grid-template-columns:1.2fr 1fr 27px;gap:14px;align-items:center;padding:15px 0;border-top:1px solid #dce5e9}
#kb-home .bank-label strong{display:block;font-size:14px;font-weight:650;line-height:1.5}
#kb-home .bank-label small{display:block;font-size:10px;color:var(--muted);line-height:1.6;margin-top:3px}
#kb-home .bank-track{height:12px;border-radius:20px;background:#e3ebee;overflow:hidden}
#kb-home .bank-track>span{display:block;height:100%;background:#547f91;border-radius:20px}
#kb-home .bank-chart li:first-child .bank-track>span{background:#af863f}
#kb-home .bank-count{font-size:18px;font-weight:700;text-align:right;font-variant-numeric:tabular-nums}
#kb-home .halfyear-results{margin-top:32px}#kb-home .halfyear-results summary{font-size:17px}
#kb-home .halfyear-layout{display:grid;grid-template-columns:1fr 1.15fr;gap:40px;padding-block:18px 32px}
#kb-home .halfyear-layout h3{font-size:25px;line-height:1.3;margin-bottom:20px}
#kb-home .halfyear-layout table{width:100%;border-collapse:collapse;font-size:13px;text-align:left}
#kb-home .halfyear-layout caption{font-size:12px;color:var(--muted);text-align:left;margin-bottom:14px}
#kb-home .halfyear-layout th,#kb-home .halfyear-layout td{padding:11px 8px;border-bottom:1px solid #dce5e9}
#kb-home .halfyear-layout th:not(:first-child),#kb-home .halfyear-layout td{text-align:right}
#kb-home .results-proof>.button{margin-top:26px}
@media(prefers-reduced-motion:no-preference){@supports(animation-timeline:view()){#kb-home .bank-track>span{transform-origin:left;animation:kb-bar 1s ease-out both;animation-timeline:view();animation-range:entry 0% entry 100%}}}
@media(max-width:760px){#kb-home .proof-layout,#kb-home .halfyear-layout{grid-template-columns:1fr;gap:24px}#kb-home .proof-summary{position:static;padding:28px}#kb-home .proof-total{font-size:84px}#kb-home .bank-chart{padding:24px 18px}#kb-home .bank-chart li{grid-template-columns:1.6fr 1fr 23px;gap:9px}#kb-home .bank-label strong{font-size:12px}#kb-home .halfyear-layout table{font-size:12px}#kb-home .halfyear-layout th,#kb-home .halfyear-layout td{padding:10px 5px}}

#kb-home .results-video{margin-top:32px;border:1px solid #dce5e9;border-radius:20px;overflow:hidden;background:#f7f9fa}#kb-home .results-video figcaption{padding:24px;font-size:21px;font-weight:700}#kb-home .results-video figcaption span{display:block;font-size:13px;font-weight:500;color:var(--muted);margin-top:6px}#kb-home .results-video video{display:block;width:100%;height:auto;aspect-ratio:8/5;background:#142b36}#kb-home .results-video>p{font-size:13px;padding:20px 24px;color:var(--muted)}

#kb-home .annual-results{margin-bottom:48px;padding:38px;border:1px solid #d9c395;border-radius:24px;background:linear-gradient(120deg,#fbf7ee,#f4f7f8)}#kb-home .annual-heading h3{font:700 clamp(28px,3vw,40px)/1.2 Manrope,Arial,sans-serif;margin-bottom:16px}#kb-home .annual-heading>p:last-child{color:var(--muted);max-width:660px}#kb-home .annual-heading .eyebrow{color:#795b25;margin-bottom:14px}#kb-home .annual-stats{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:30px;margin:30px 0}#kb-home .annual-stats>div{border-left:3px solid #b99554;padding-left:22px}#kb-home .annual-stats strong{display:block;font:750 clamp(44px,5vw,72px)/1.15 Manrope,Arial,sans-serif;letter-spacing:-.05em}#kb-home .annual-stats span{display:block;font-size:14px;margin-top:10px;max-width:220px}#kb-home .annual-note{font-size:13px;color:var(--muted)}#kb-home .annual-details{margin-top:24px}#kb-home .annual-details summary{cursor:pointer;font-weight:650}#kb-home .annual-details .halfyear-layout{grid-template-columns:1.15fr 1fr;align-items:start}#kb-home .annual-details .bank-chart{padding:22px}#kb-home .annual-details .bank-chart li{grid-template-columns:1.7fr 1fr 32px}#kb-home .annual-details .bank-label strong{font-size:12px}#kb-home .annual-details .bank-count{font-size:17px}#kb-home .annual-results>.text-link{margin-top:16px}@media(max-width:760px){#kb-home .annual-results{padding:24px 20px}#kb-home .annual-stats{grid-template-columns:1fr;gap:22px}#kb-home .annual-stats>div{display:grid;grid-template-columns:130px 1fr;align-items:center;padding-left:15px;gap:10px}#kb-home .annual-stats span{margin:0;font-size:13px}#kb-home .annual-details .halfyear-layout{grid-template-columns:1fr}#kb-home .annual-details .bank-chart{padding:16px 12px}#kb-home .annual-details .bank-chart li{gap:8px}#kb-home .annual-details summary{font-size:14px}}

body:has(#kb-home) #pum-122{display:none!important}
