.ks-homeowner-shell .ks-hw-letter{border-bottom:1px solid var(--hw-line);background:var(--hw-soft)}
.ks-homeowner-shell .ks-hw-privacy-link{display:inline-block;margin-top:24px;color:var(--hw-accent);text-decoration:underline}
.ks-homeowner-shell .ks-hw-split.ks-hw-no-photo,.ks-homeowner-shell .ks-hw-split.ks-hw-no-details{grid-template-columns:1fr}
/* Fintech composition, native theme palette. All rules belong to this section. */
.ks-homeowner-shell .ks-review-form{padding:36px;border:1px solid var(--hw-line);border-radius:20px;background:var(--hw-soft)}
.ks-homeowner-shell .ks-review-progress{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;list-style:none;padding:0;margin:0 0 36px}
.ks-homeowner-shell .ks-review-progress li{font-size:14px;line-height:1.5;display:flex;gap:10px;align-items:center;color:var(--hw-text);padding-bottom:16px;border-bottom:3px solid var(--hw-line)}
.ks-homeowner-shell .ks-review-progress li[aria-current=step]{color:var(--hw-ink);border-color:var(--hw-accent);font-weight:700}
.ks-homeowner-shell .ks-review-progress li>span{display:inline-flex;align-items:center;justify-content:center;border:1px solid currentColor;border-radius:50%;width:32px;height:32px;flex-shrink:0}
.ks-homeowner-shell .ks-review-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.ks-homeowner-shell .ks-review-grid select{width:100%;min-width:0;background:var(--hw-surface);color:var(--hw-ink);border:1px solid var(--hw-line);border-radius:8px;padding:13px;font-size:16px;line-height:1.5;height:auto}
.ks-homeowner-shell .ks-review-estimate input{margin-top:10px}.ks-homeowner-shell .ks-review-error{display:block;color:var(--error-color,#b42318);font-size:13px;line-height:1.6;margin-top:5px}
.ks-homeowner-shell .ks-review-loan{border:1px solid var(--hw-line);border-radius:12px;padding:20px;background:var(--hw-surface);margin-bottom:20px;display:grid;gap:10px}
.ks-homeowner-shell .ks-review-loan [data-remove-loan]{justify-self:start;border:1px solid currentColor;border-radius:6px;padding:8px;background:transparent;color:var(--hw-ink);cursor:pointer}
.ks-homeowner-shell .ks-homeowner-inquiry-feedback:not(:empty){padding:16px;border:1px solid currentColor;border-radius:10px;margin-bottom:24px;overflow-wrap:anywhere;scroll-margin-top:120px}
.ks-homeowner-shell .ks-homeowner-inquiry-feedback.is-error{color:var(--error-color,#b42318)}.ks-homeowner-shell .ks-homeowner-inquiry-feedback.is-success{color:var(--hw-accent)}
.ks-homeowner-shell .ks-review-reference{font-size:24px;font-weight:700;letter-spacing:.05em}
.ks-homeowner-shell [hidden]{display:none!important}
@media(max-width:767px){.ks-homeowner-shell .ks-review-form{padding:24px 18px}.ks-homeowner-shell .ks-review-grid{grid-template-columns:1fr}.ks-homeowner-shell .ks-review-progress{gap:8px}.ks-homeowner-shell .ks-review-progress li{flex-direction:column;align-items:flex-start;font-size:12px}.ks-homeowner-shell .ks-review-controls button{width:100%}}

.ks-fintech-homeowners{--hw-line:var(--divider-color);--hw-soft:var(--secondary-color);--hw-text:var(--text-color);--hw-ink:var(--primary-color);--hw-accent:var(--accent-color);--hw-surface:var(--white-color)}
.ks-ft-brand{font-size:30px;font-weight:700;line-height:1;letter-spacing:-1px;color:var(--primary-color)}.footer-logo .ks-ft-brand{color:var(--white-color);font-size:64px}.navbar-brand img{max-width:190px;max-height:64px;object-fit:contain}
.ks-hw-sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.ks-hw-field label,.ks-review-field>label{display:block;font-weight:500;margin-bottom:10px}.ks-hw-consent{display:flex;gap:10px;align-items:flex-start;margin-bottom:24px;font-size:14px}.ks-hw-consent input{margin-top:6px;flex-shrink:0}.ks-review-field input,.ks-review-field textarea{width:100%}
.ks-review-form input:not([type=checkbox]):not([type=hidden]),.ks-review-form select,.ks-review-form textarea{padding:18px 20px;border:1px solid var(--divider-color);border-radius:10px;line-height:1.6em;box-shadow:none;font-family:inherit;font-size:16px;background:var(--white-color);color:var(--primary-color)}
.ks-review-field textarea{min-height:120px}.ks-hw-form-note{font-size:13px;margin:16px 0}.ks-review-field{scroll-margin-top:140px}.ks-hw-video-toggle{position:absolute;right:24px;bottom:24px;z-index:3;border:1px solid #fff;border-radius:50%;background:#0008;color:#fff;width:44px;height:44px}
.ks-ft-location-image{width:100%;height:500px;object-fit:cover}.ks-ft-footer-review{display:block;position:relative;text-decoration:none}.ks-ft-footer-review .newsletter-btn{display:flex;align-items:center;justify-content:center}.ks-homeowner-contact-feedback:not(:empty){padding:15px;margin-bottom:20px;border:1px solid currentColor}.ks-homeowner-contact-feedback.is-error{color:var(--error-color)}
.ks-review-form .ks-hw-button{border:0}.ks-review-form fieldset{min-width:0}.ks-review-form .ks-review-controls{display:flex;gap:20px;margin-top:30px}.ks-review-form h2{font-size:28px;margin-bottom:24px}.ks-review-form .ks-review-progress{font-family:inherit}.ks-review-loan input{width:100%}
.ks-fintech-homeowners a:focus-visible,.ks-fintech-homeowners button:focus-visible,.ks-fintech-homeowners input:focus-visible{outline:2px solid var(--accent-color);outline-offset:4px}.ks-fintech-homeowners .hero-bg-video video{width:100%;height:100%;object-fit:cover}.ks-fintech-homeowners [hidden]{display:none!important}
@media(prefers-reduced-motion:reduce){.ks-fintech-homeowners .wow{visibility:visible!important;animation:none!important}.ks-fintech-homeowners .reveal{visibility:visible!important}.ks-fintech-homeowners .contact-circle{animation:none!important}}
/* SP4: placement-only edges; no matching attributes means exact native/reference rules. */
@media(min-width:1025px){
.ks-fintech-homeowners [data-ks-sp-kind="padding"][data-ks-sp-da="1"]{padding-top:var(--ks-sp-da)!important}
.ks-fintech-homeowners [data-ks-sp-kind="margin"][data-ks-sp-da="1"]{margin-top:var(--ks-sp-da)!important}
.ks-fintech-homeowners [data-ks-sp-kind="padding"][data-ks-sp-db="1"]{padding-bottom:var(--ks-sp-db)!important}
.ks-fintech-homeowners [data-ks-sp-kind="margin"][data-ks-sp-db="1"]{margin-bottom:var(--ks-sp-db)!important}
.ks-fintech-homeowners [data-ks-sp-grid="1"][data-ks-sp-db="1"]>.container{display:flow-root}
.ks-fintech-homeowners [data-ks-sp-grid="1"][data-ks-sp-db="1"]>.container>.row:last-child{margin-bottom:-30px!important}
.ks-fintech-homeowners [data-ks-sp-bridge-d="1"]{margin-bottom:0!important}
}
@media(min-width:992px) and (max-width:1024px){
.ks-fintech-homeowners [data-ks-sp-kind="padding"][data-ks-sp-xa="1"]{padding-top:var(--ks-sp-xa)!important}
.ks-fintech-homeowners [data-ks-sp-kind="margin"][data-ks-sp-xa="1"]{margin-top:var(--ks-sp-xa)!important}
.ks-fintech-homeowners [data-ks-sp-kind="padding"][data-ks-sp-xb="1"]{padding-bottom:var(--ks-sp-xb)!important}
.ks-fintech-homeowners [data-ks-sp-kind="margin"][data-ks-sp-xb="1"]{margin-bottom:var(--ks-sp-xb)!important}
.ks-fintech-homeowners [data-ks-sp-grid="1"][data-ks-sp-xb="1"]>.container{display:flow-root}
.ks-fintech-homeowners [data-ks-sp-grid="1"][data-ks-sp-xb="1"]>.container>.row:last-child{margin-bottom:-30px!important}
.ks-fintech-homeowners [data-ks-sp-bridge-x="1"]{margin-bottom:0!important}
}
@media(min-width:768px) and (max-width:991px){
.ks-fintech-homeowners [data-ks-sp-kind="padding"][data-ks-sp-ta="1"]{padding-top:var(--ks-sp-ta)!important}
.ks-fintech-homeowners [data-ks-sp-kind="margin"][data-ks-sp-ta="1"]{margin-top:var(--ks-sp-ta)!important}
.ks-fintech-homeowners [data-ks-sp-kind="padding"][data-ks-sp-tb="1"]{padding-bottom:var(--ks-sp-tb)!important}
.ks-fintech-homeowners [data-ks-sp-kind="margin"][data-ks-sp-tb="1"]{margin-bottom:var(--ks-sp-tb)!important}
.ks-fintech-homeowners [data-ks-sp-grid="1"][data-ks-sp-tb="1"]>.container{display:flow-root}
.ks-fintech-homeowners [data-ks-sp-grid="1"][data-ks-sp-tb="1"]>.container>.row:last-child{margin-bottom:-30px!important}
.ks-fintech-homeowners [data-ks-sp-bridge-t="1"]{margin-bottom:0!important}
}
@media(max-width:767px){
.ks-fintech-homeowners [data-ks-sp-kind="padding"][data-ks-sp-ma="1"]{padding-top:var(--ks-sp-ma)!important}
.ks-fintech-homeowners [data-ks-sp-kind="margin"][data-ks-sp-ma="1"]{margin-top:var(--ks-sp-ma)!important}
.ks-fintech-homeowners [data-ks-sp-kind="padding"][data-ks-sp-mb="1"]{padding-bottom:var(--ks-sp-mb)!important}
.ks-fintech-homeowners [data-ks-sp-kind="margin"][data-ks-sp-mb="1"]{margin-bottom:var(--ks-sp-mb)!important}
.ks-fintech-homeowners [data-ks-sp-grid="1"][data-ks-sp-mb="1"]>.container{display:flow-root}
.ks-fintech-homeowners [data-ks-sp-grid="1"][data-ks-sp-mb="1"]>.container>.row:last-child{margin-bottom:-30px!important}
.ks-fintech-homeowners [data-ks-sp-bridge-m="1"]{margin-bottom:0!important}
}

@media(max-width:767px){.ks-fintech-homeowners .hero{background-image:var(--ks-ft-hero-mobile)!important}}
.main-menu ul li.ks-ft-menu-open>ul{visibility:visible;opacity:1;transform:scaleY(1)}

.navbar-brand .ks-ft-brand{color:var(--white-color)}.newsletter-form .newsletter-btn{display:flex;align-items:center;justify-content:center}

/* Homeowner-only fixed overlay header; original Fintech vendor files stay intact. */
.ks-fintech-homeowners header.main-header{position:fixed;inset:0 0 auto;z-index:1000;background:transparent;border:0;border-radius:0 0 var(--ks-hw-header-radius,24px) var(--ks-hw-header-radius,24px);transition:background-color .25s ease,box-shadow .25s ease;}
.ks-fintech-homeowners header.main-header .header-sticky{position:relative;top:0;background:transparent;border:0;transform:none;border-radius:inherit;}
.ks-fintech-homeowners header.main-header.ks-hw-header-scrolled{background:var(--ks-hw-header-background,rgba(0,64,80,.92));backdrop-filter:blur(var(--ks-hw-header-blur,12px));-webkit-backdrop-filter:blur(var(--ks-hw-header-blur,12px));box-shadow:0 8px 24px rgba(0,0,0,.14);}
.ks-fintech-homeowners header.main-header .navbar{padding:16px 0;}
.ks-fintech-homeowners header.main-header .navbar-brand .ks-ft-brand,.ks-fintech-homeowners header.main-header .main-menu ul li a{color:var(--ks-hw-header-text,#fff);opacity:1;}
.ks-fintech-homeowners header.main-header .main-menu ul li a{padding:12px 14px!important;}
.ks-fintech-homeowners header.main-header .main-menu ul li a:hover,.ks-fintech-homeowners header.main-header .main-menu ul li a:focus-visible,.ks-fintech-homeowners header.main-header a[aria-current=page]{color:var(--ks-hw-header-hover,var(--accent-color));}
.ks-fintech-homeowners header.main-header .header-btn .btn-default{font-size:15px;padding:14px 20px;background:var(--ks-hw-header-button,var(--accent-color));color:var(--ks-hw-header-button-text,#fff);}
.ks-fintech-homeowners header.main-header .header-btn .btn-default::before{background:var(--ks-hw-header-button,var(--accent-color));}
.ks-fintech-homeowners header.main-header .slicknav_btn{background:var(--ks-hw-header-button,var(--accent-color));}
.ks-fintech-homeowners header.main-header .slicknav_icon .slicknav_icon-bar{background:var(--ks-hw-header-button-text,#fff);}
.ks-fintech-homeowners header.main-header .slicknav_menu{background:transparent;padding:0;}
.ks-fintech-homeowners header.main-header .slicknav_menu .slicknav_nav{margin:0;padding:6px 0;background:var(--ks-hw-header-solid,#004050);border-radius:0 0 var(--ks-hw-header-radius,24px) var(--ks-hw-header-radius,24px);max-height:calc(100dvh - 90px);overflow:auto;}
.ks-fintech-homeowners header.main-header .slicknav_nav a{color:var(--ks-hw-header-text,#fff);}
.ks-fintech-homeowners header.main-header .slicknav_nav a:hover,.ks-fintech-homeowners header.main-header .slicknav_nav a:focus-visible,.ks-fintech-homeowners header.main-header .slicknav_nav a[aria-current=page]{color:var(--ks-hw-header-hover,var(--accent-color));}
.ks-fintech-homeowners header.main-header .slicknav_nav .highlighted-menu>a{margin:8px 20px 14px;border-radius:12px!important;background:var(--ks-hw-header-button,var(--accent-color));color:var(--ks-hw-header-button-text,#fff);padding:12px 16px;}
.ks-fintech-homeowners #homeowner-content:has(>h1.ks-hw-sr-only:first-child){padding-top:100px;}
@media(min-width:992px) and (max-width:1199px){.ks-fintech-homeowners header.main-header .main-menu ul li a{padding:10px 8px!important;font-size:14px;}.ks-fintech-homeowners header.main-header .navbar-brand img{max-width:150px;}.ks-fintech-homeowners header.main-header .nav-menu-wrapper{margin:0 10px;}.ks-fintech-homeowners header.main-header .header-btn .btn-default{font-size:13px;padding:12px 16px;}}
@media(max-width:991px){.ks-fintech-homeowners header.main-header .navbar{padding:16px 0;}.ks-fintech-homeowners header.main-header .navbar-brand img{max-height:44px;max-width:170px;}}
@media(prefers-reduced-motion:reduce){.ks-fintech-homeowners header.main-header{transition:none;}}
.ks-fintech-homeowners .ks-hw-embed-stage{pointer-events:none;overflow:hidden;}
.ks-fintech-homeowners .ks-homeowner-embed{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);border:0;opacity:0;transition:opacity .3s ease;}
.ks-fintech-homeowners .ks-homeowner-embed.is-ready{opacity:1;}
.ks-fintech-homeowners .ks-hw-embed-toggle{position:absolute;right:24px;bottom:24px;z-index:3;border:1px solid #fff;border-radius:50%;background:#0008;color:#fff;width:44px;height:44px;}
@media(prefers-reduced-motion:reduce){.ks-fintech-homeowners .ks-homeowner-embed{transition:none;}}