/* ══════════════════════════════════════════════════════════════════════════
   TEMPORARY RATE BUYDOWN CALCULATOR — /mortgage-rate-buydown-calculator only.
   Loaded by that page and nothing else, and every rule uses the bd- prefix,
   so none of it can reach another page. Builds on the ix- language in
   income.css (tokens, buttons, sliders, hairlines): one lime screen, white,
   then one navy screen for the answer.
   ══════════════════════════════════════════════════════════════════════════ */

.bd-page { --bd-nums: "tnum" 1, "lnum" 1; }

/* ── 1. HERO ── */
.bd-hero {
  background: var(--ix-lime);
  color: var(--ix-navy);
  padding: calc(var(--nav-height) + 44px) 0 64px;
}
.bd-kicker {
  margin: 0;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--ix-navy);
}
.bd-hero__title { margin: 18px 0 0; font-weight: 800; color: var(--ix-navy); }
.bd-hero__big {
  display: block;
  font-size: clamp(46px, 13.4vw, 104px);
  line-height: .9;
  letter-spacing: -.055em;
  max-width: 11ch;
}
.bd-hero__name {
  display: block;
  margin-top: 22px;
  font-size: clamp(15px, 4vw, 18px);
  font-weight: 700;
  letter-spacing: -.01em;
  line-height: 1.3;
  color: rgba(0, 43, 92, .78);
}
.bd-hero__sub {
  margin: 14px 0 0;
  max-width: 32em;
  font-size: 17px;
  line-height: 1.5;
  font-weight: 500;
  color: rgba(0, 43, 92, .78);
}
.bd-hero__cta { margin-top: 30px; }
@media (min-width: 960px) {
  .bd-hero { padding: calc(var(--nav-height) + 88px) 0 104px; }
  .bd-hero__copy > * { max-width: 760px; }
}

/* ── 2. WHAT'S A BUYDOWN ── */
.bd-lead {
  margin: 26px 0 0;
  font-size: clamp(22px, 5.8vw, 30px);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -.025em;
  color: var(--ix-navy);
}
.bd-copy { margin: 16px 0 0; font-size: 17px; line-height: 1.65; color: var(--ix-navy-muted); }

.bd-ladders { display: grid; gap: 36px; margin-top: 40px; }
@media (min-width: 640px) { .bd-ladders { grid-template-columns: 1fr 1fr; gap: 40px; } }
.bd-ladder__name {
  margin: 0 0 6px;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--ix-navy);
}
.bd-ladder__steps { margin: 0; padding: 0; list-style: none; }
.bd-ladder__steps li {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 12px;
  padding: 14px 0;
  border-bottom: 1px solid var(--ix-hair);
  font-size: 16px;
}
.bd-ladder__steps span { color: var(--ix-navy-muted); }
.bd-ladder__steps strong { font-weight: 700; color: var(--ix-navy); text-align: right; }
.bd-ladder__steps li:not(.is-full) strong { box-shadow: inset 0 -.42em 0 rgba(206, 254, 2, .7); }

.bd-truth {
  margin: 40px 0 0;
  padding: 0 0 0 18px;
  border-left: 4px solid var(--ix-lime);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ix-navy-muted);
}
.bd-truth strong { color: var(--ix-navy); }

/* ── 3. CALCULATOR ── */
.bd-calc { border-top: 1px solid var(--ix-hair); padding-top: 64px; }
.bd-calc .ix-h2 { margin-bottom: 40px; }

.bd-down { display: grid; grid-template-columns: 1fr 1.35fr; gap: 14px; margin-top: 18px; }
.bd-down__lbl {
  display: block;
  margin-bottom: 6px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--ix-navy-muted);
}
.bd-down__box {
  display: flex;
  align-items: baseline;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--ix-navy);
}
.bd-down__box:focus-within { box-shadow: 0 2px 0 var(--ix-lime); }
.bd-down__input {
  -webkit-appearance: none;
  appearance: none;
  flex: 1 1 auto;
  min-width: 0;
  width: 100%;
  padding: 0;
  font: inherit;
  font-size: clamp(28px, 7.6vw, 44px);
  font-weight: 800;
  letter-spacing: -.04em;
  line-height: 1.1;
  font-variant-numeric: tabular-nums;
  color: var(--ix-navy);
  background: transparent;
  border: 0;
  border-radius: 0;
  outline: none;
}
.bd-down__unit { font-size: clamp(22px, 6vw, 32px); font-weight: 800; color: var(--ix-navy-muted); }

/* Segmented 2-1 / 3-2-1 toggle with a sliding thumb. */
.bd-seg {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  margin-top: 18px;
  padding: 5px;
  background: var(--ix-bg-soft);
  border-radius: 18px;
  box-shadow: inset 0 0 0 1px var(--ix-hair);
}
.bd-seg__thumb {
  position: absolute;
  top: 5px; bottom: 5px; left: 5px;
  width: calc(50% - 5px);
  border-radius: 14px;
  background: linear-gradient(180deg, var(--ix-navy-2) 0%, var(--ix-navy) 100%);
  box-shadow: 0 6px 16px -8px rgba(0, 23, 51, .6);
  transition: transform .32s var(--ix-ease);
}
.bd-seg[data-active="321"] .bd-seg__thumb { transform: translateX(100%); }
.bd-seg__btn {
  -webkit-appearance: none;
  appearance: none;
  position: relative;
  z-index: 1;
  min-height: 56px;
  padding: 0 10px;
  font: inherit;
  font-size: 15px;
  font-weight: 800;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--ix-navy);
  background: transparent;
  border: 0;
  border-radius: 14px;
  cursor: pointer;
  -webkit-tap-highlight-color: transparent;
  touch-action: manipulation;
  transition: color .25s var(--ix-ease);
}
.bd-seg__btn.is-active { color: var(--ix-lime-btn); }
.bd-seg__btn:focus-visible { outline: 3px solid var(--ix-navy); outline-offset: 3px; }

.bd-loan {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px 18px;
  margin: 48px 0 0;
  padding: 24px 0 0;
  border-top: 1px solid var(--ix-hair);
}
@media (min-width: 640px) { .bd-loan { grid-template-columns: repeat(4, 1fr); } }
.bd-loan__item dt {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--ix-navy-muted);
}
.bd-loan__item dd {
  margin: 6px 0 0;
  min-height: 1.2em;
  font-size: 22px;
  font-weight: 800;
  letter-spacing: -.03em;
  font-variant-numeric: tabular-nums;
  color: var(--ix-navy);
  white-space: nowrap;
}
.bd-ratesrc { margin: 16px 0 0; min-height: 3em; font-size: 13.5px; line-height: 1.5; color: var(--ix-navy-muted); }
.bd-ratesrc a, .bd-fine a, .bd-qa a { color: inherit; text-decoration: underline; text-underline-offset: 3px; }
.bd-ratesrc.is-warn { color: #8A4B00; }

/* ── 4. RESULTS (navy) ── */
.bd-results {
  padding: 72px 0 80px;
  background: radial-gradient(120% 70% at 50% 0%, #0B3A73 0%, #002B5C 46%, #001E42 100%);
  color: #fff;
  scroll-margin-top: var(--nav-height);
}
.bd-ask { text-align: center; }
.bd-ask__label {
  margin: 0;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, .72);
}
.bd-ask__value {
  margin: 12px 0 14px;
  font-size: clamp(64px, 19vw, 132px);
  font-weight: 800;
  line-height: .95;
  letter-spacing: -.06em;
  font-variant-numeric: tabular-nums;
  color: var(--ix-lime);
  text-shadow: 0 0 48px rgba(206, 254, 2, .22);
}
.bd-ask[hidden], .bd-out[hidden], .bd-stop[hidden] { display: none; }

.bd-stop { text-align: center; padding: 8px 0 12px; min-height: 260px; }
.bd-stop__title {
  margin: 0 auto;
  max-width: 18em;
  font-size: clamp(26px, 6.6vw, 38px);
  font-weight: 800;
  line-height: 1.12;
  letter-spacing: -.03em;
  color: #fff;
}
.bd-stop__text { margin: 18px auto 28px; max-width: 32em; font-size: 16px; line-height: 1.6; color: rgba(255, 255, 255, .72); }

/* Stair-step graphic. Fixed plot height, so switching 2-1 ↔ 3-2-1 or moving
   a slider never changes the page height. */
.bd-stairs { margin: 44px 0 0; }
.bd-stairs__plot {
  position: relative;
  display: flex;
  align-items: flex-end;
  gap: 10px;
  height: 230px;
  padding-top: 34px;
}
.bd-stairs__line {
  position: absolute;
  left: 0; right: 0;
  top: 34px;
  border-top: 1.5px dashed rgba(255, 255, 255, .45);
  pointer-events: none;
}
.bd-stairs__line span {
  position: absolute;
  right: 0; top: -24px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .04em;
  color: rgba(255, 255, 255, .72);
  font-variant-numeric: tabular-nums;
}
.bd-bar {
  position: relative;
  flex: 1 1 0;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
}
.bd-bar__area { flex: 1 1 auto; display: flex; align-items: flex-end; min-height: 0; }
.bd-bar__col {
  position: relative;
  width: 100%;
  height: var(--h, 100%);
  border-radius: 12px 12px 4px 4px;
  background: linear-gradient(180deg, #DAFF3A 0%, #B9E600 100%);
  transition: height .45s var(--ix-ease);
}
.bd-bar.is-full .bd-bar__col { background: rgba(255, 255, 255, .14); box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, .45); }
.bd-bar__pay {
  position: absolute;
  left: 0; right: 0; top: 10px;
  text-align: center;
  font-size: clamp(13px, 3.6vw, 17px);
  font-weight: 800;
  letter-spacing: -.02em;
  font-variant-numeric: tabular-nums;
  color: var(--ix-navy);
}
.bd-bar.is-full .bd-bar__pay { color: #fff; }
.bd-bar__yr {
  margin-top: 10px;
  text-align: center;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, .72);
  white-space: nowrap;
}
.bd-bar__yr b { display: block; margin-top: 2px; font-size: 13px; color: #fff; letter-spacing: 0; }
.bd-stairs__cap { margin: 18px 0 0; font-size: 13.5px; line-height: 1.5; color: rgba(255, 255, 255, .62); text-align: center; }
@media (prefers-reduced-motion: reduce) { .bd-bar__col, .bd-seg__thumb { transition: none; } }

/* The payment story: one row per year. On a phone each row is
   "Year · rate | payment" over "monthly saving | yearly saving". Four rows
   are reserved, so switching 2-1 ↔ 3-2-1 barely moves the page. */
.bd-story { margin-top: 44px; }
.bd-story__normal {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 12px;
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(255, 255, 255, .18);
}
.bd-story__k { font-size: 12px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: rgba(255, 255, 255, .72); }
.bd-story__v { font-size: 26px; font-weight: 800; letter-spacing: -.03em; font-variant-numeric: tabular-nums; color: #fff; }
.bd-story__type { margin: 26px 0 0; color: var(--ix-lime); }
.bd-years { margin: 0; padding: 0; list-style: none; min-height: 420px; }
.bd-year {
  display: grid;
  grid-template-columns: auto 1fr auto;
  grid-template-areas: "yr rate pay" "ms ms ms" "ys ys ys";
  align-items: baseline;
  gap: 4px 12px;
  padding: 16px 0;
  border-bottom: 1px solid rgba(255, 255, 255, .12);
  font-variant-numeric: tabular-nums;
}
.bd-year__yr { grid-area: yr; font-size: 17px; font-weight: 800; color: #fff; }
.bd-year__rate { grid-area: rate; font-size: 14px; font-weight: 600; color: rgba(255, 255, 255, .72); }
.bd-year__pay { grid-area: pay; font-size: 24px; font-weight: 800; letter-spacing: -.02em; color: #fff; text-align: right; }
.bd-year__pay small { font-size: .55em; font-weight: 700; color: rgba(255, 255, 255, .6); }
.bd-year__save { grid-area: ms; font-size: 13px; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; color: var(--ix-lime); }
.bd-year__save--yr { grid-area: ys; color: rgba(206, 254, 2, .78); }
.bd-year.is-full .bd-year__save { color: rgba(255, 255, 255, .62); }

/* Total reduction = seller credit needed. */
.bd-equals {
  margin-top: 32px;
  padding: 24px 22px;
  border-radius: 22px;
  background: rgba(206, 254, 2, .08);
  box-shadow: inset 0 0 0 1.5px rgba(206, 254, 2, .45);
  text-align: center;
}
.bd-equals__row { display: flex; flex-direction: column; gap: 4px; }
.bd-equals__k { font-size: 12px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: rgba(255, 255, 255, .78); }
.bd-equals__v { font-size: clamp(30px, 8.4vw, 44px); font-weight: 800; letter-spacing: -.04em; font-variant-numeric: tabular-nums; color: #fff; }
.bd-equals__v::before { content: "\2248\00a0"; font-weight: 600; color: rgba(255, 255, 255, .55); }
.bd-equals__row--hi .bd-equals__v { color: var(--ix-lime); }
.bd-equals__sign { margin: 6px 0; font-size: 30px; font-weight: 800; line-height: 1; color: var(--ix-lime); }
.bd-equals__cap { margin: 16px auto 0; max-width: 30em; font-size: 14px; line-height: 1.55; color: rgba(255, 255, 255, .72); }

/* Seller credit available. */
.bd-credit {
  margin-top: 24px;
  padding: 20px 22px;
  border-radius: 22px;
  background: rgba(255, 255, 255, .06);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, .1);
}
.bd-credit[hidden] { display: none; }
.bd-credit .bd-ipc__rows { margin: 0; }
.bd-credit__result dt { font-weight: 800; color: #fff; }
.bd-credit__result dd { color: var(--ix-lime); font-size: 20px; }
.bd-credit.is-short .bd-credit__result dd { color: #FFB199; }
.bd-credit__msg { margin: 14px 0 0; font-size: 14px; line-height: 1.6; color: rgba(255, 255, 255, .78); }

/* Seller credit vs. contribution limit. */
.bd-ipc {
  margin-top: 36px;
  padding: 26px 22px 22px;
  border-radius: 22px;
  background: rgba(255, 255, 255, .06);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, .1);
}
.bd-ipc__head { font-size: 12px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: rgba(255, 255, 255, .72); }
.bd-ipc__bar { height: 10px; margin-top: 18px; border-radius: 999px; background: rgba(255, 255, 255, .12); overflow: hidden; }
.bd-ipc__fill {
  display: block;
  height: 100%;
  width: var(--w, 0%);
  border-radius: 999px;
  background: var(--ix-lime);
  transition: width .45s var(--ix-ease), background-color .2s;
}
.bd-ipc.is-over .bd-ipc__fill { background: #FF8A65; }
.bd-ipc__rows { margin: 18px 0 0; }
.bd-ipc__rows div { display: flex; justify-content: space-between; gap: 14px; padding: 9px 0; border-bottom: 1px solid rgba(255, 255, 255, .08); }
.bd-ipc__rows dt { font-size: 14.5px; color: rgba(255, 255, 255, .72); }
.bd-ipc__rows dd { margin: 0; font-size: 16px; font-weight: 800; font-variant-numeric: tabular-nums; color: #fff; white-space: nowrap; }
.bd-ipc__msg { margin: 16px 0 0; min-height: 3em; font-size: 15px; font-weight: 600; line-height: 1.5; color: #fff; }
.bd-ipc.is-over .bd-ipc__msg { color: #FFB199; }
.bd-ipc.is-unknown .bd-ipc__bar, .bd-ipc.is-unknown .bd-ipc__rows { display: none; }
.bd-ipc__fine { margin: 14px 0 0; font-size: 12.5px; line-height: 1.6; color: rgba(255, 255, 255, .55); }
@media (prefers-reduced-motion: reduce) { .bd-ipc__fill { transition: none; } }

/* Next step. */
.bd-next { margin-top: 56px; padding-top: 44px; border-top: 1px solid rgba(255, 255, 255, .14); text-align: center; }
.bd-next__title { margin: 0; font-size: clamp(32px, 8.8vw, 52px); font-weight: 800; line-height: 1; letter-spacing: -.045em; color: #fff; }
.bd-next__copy { margin: 16px auto 0; max-width: 30em; font-size: 17px; line-height: 1.55; color: rgba(255, 255, 255, .78); }
.bd-actions { display: grid; gap: 14px; margin-top: 30px; }
.bd-actions__rates, .bd-actions__copy {
  justify-self: center;
  padding: 10px 4px;
  font: inherit;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--ix-lime);
  text-decoration: underline;
  text-underline-offset: 4px;
  text-decoration-color: rgba(206, 254, 2, .4);
  background: none;
  border: 0;
  cursor: pointer;
}
.bd-actions__copy { padding-top: 0; font-size: 12.5px; color: rgba(255, 255, 255, .7); text-decoration-color: rgba(255, 255, 255, .3); }
.bd-results .ix-btn:focus-visible, .bd-actions__rates:focus-visible, .bd-actions__copy:focus-visible { outline: 3px solid var(--ix-lime); outline-offset: 4px; }

.bd-form-wrap { margin-top: 18px; }
.bd-form-wrap .lp-form, .bd-form-wrap .lp-done { color: var(--ix-navy); }
.bd-form__title { margin: 0; font-size: 22px; font-weight: 800; letter-spacing: -.02em; color: var(--ix-navy); }
.bd-form__line { margin: 6px 0 18px; font-size: 14.5px; line-height: 1.5; color: var(--ix-navy-muted); }

.bd-fine { margin-top: 44px; padding-top: 24px; border-top: 1px solid rgba(255, 255, 255, .12); }
.bd-fine p { margin: 0 0 10px; font-size: 12.5px; line-height: 1.6; color: rgba(255, 255, 255, .55); }

/* ── 5. GUIDE ── */
.bd-learn .ix-h2 { margin-bottom: 12px; }
.bd-qa { padding: 30px 0; border-bottom: 1px solid var(--ix-hair); }
.bd-qa h3 { margin: 0; font-size: clamp(20px, 5.2vw, 24px); font-weight: 800; line-height: 1.25; letter-spacing: -.02em; color: var(--ix-navy); }
.bd-qa p { margin: 12px 0 0; font-size: 16.5px; line-height: 1.7; color: var(--ix-navy-muted); }
.bd-qa .bd-qa__live { font-size: 15px; color: var(--ix-navy); }
.bd-qa strong { color: var(--ix-navy); }
.bd-reviewed { margin: 22px 0 0; font-size: 13px; color: var(--ix-navy-muted); }

/* ── Calculator extras ── */
.bd-seg--sm .bd-seg__btn { font-size: 13px; letter-spacing: .04em; line-height: 1.2; }
.bd-hint { margin: 10px 0 0; font-size: 13.5px; line-height: 1.5; color: var(--ix-navy-muted); }
.bd-ratein { margin-top: 22px; max-width: 260px; }
.bd-ratein[hidden] { display: none; }
.bd-credit__box { margin-top: 18px; max-width: 320px; }
.bd-ask__note { margin: 18px auto 0; max-width: 32em; font-size: 14px; line-height: 1.55; color: rgba(255, 255, 255, .78); }
.bd-ask__note[hidden] { display: none; }

/* ── Education sections ── */
.bd-pays, .bd-how { border-top: 1px solid var(--ix-hair); }
.bd-copy--soft { font-size: 15.5px; }
.bd-copy a, .bd-hint a { color: inherit; text-decoration: underline; text-underline-offset: 3px; }
.bd-eg { margin: 32px 0 0; font-size: 13px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--ix-navy); }
.bd-facts { margin: 12px 0 0; }
.bd-facts div { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 13px 0; border-bottom: 1px solid var(--ix-hair); }
.bd-facts dt { font-size: 15.5px; color: var(--ix-navy-muted); }
.bd-facts dd { margin: 0; font-size: 17px; font-weight: 800; font-variant-numeric: tabular-nums; color: var(--ix-navy); text-align: right; }
.bd-takeaway {
  margin: 32px 0;
  padding: 30px 24px;
  border-radius: 24px;
  background: var(--ix-navy);
  color: #fff;
  text-align: center;
}
.bd-takeaway__k { margin: 0; font-size: 15px; font-weight: 600; color: rgba(255, 255, 255, .78); }
.bd-takeaway__label { margin: 14px 0 0; font-size: 12.5px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: rgba(255, 255, 255, .72); }
.bd-takeaway__v {
  margin: 8px 0 0;
  font-size: clamp(52px, 15vw, 96px);
  font-weight: 800;
  line-height: 1;
  letter-spacing: -.055em;
  font-variant-numeric: tabular-nums;
  color: var(--ix-lime);
}
.bd-takeaway__fine { margin: 12px 0 0; font-size: 13px; color: rgba(255, 255, 255, .62); }
.bd-pays__cta { margin-top: 28px; }

/* Seller credit or lower price? */
.bd-cmp { background: var(--ix-bg-soft); }
.bd-options { display: grid; gap: 16px; margin: 30px 0; }
@media (min-width: 640px) { .bd-options { grid-template-columns: 1fr 1fr; } }
.bd-option { padding: 24px 22px; border-radius: 22px; background: #fff; box-shadow: 0 0 0 1px var(--ix-hair); }
.bd-option--hi { box-shadow: 0 0 0 2px var(--ix-navy); }
.bd-option__k { margin: 0; font-size: 12px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--ix-navy-muted); }
.bd-option__title { margin: 6px 0 14px; font-size: 20px; font-weight: 800; line-height: 1.2; letter-spacing: -.02em; color: var(--ix-navy); }
.bd-option__rows { margin: 0; min-height: 188px; }
.bd-option__rows div { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; padding: 10px 0; border-bottom: 1px solid var(--ix-hair); }
.bd-option__rows dt { font-size: 14.5px; color: var(--ix-navy-muted); }
.bd-option__rows dd { margin: 0; font-size: 16px; font-weight: 800; font-variant-numeric: tabular-nums; color: var(--ix-navy); text-align: right; white-space: nowrap; }
.bd-option__rows dd span { display: block; font-size: 12px; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; color: #4B7A00; }
.bd-option__sum { margin: 16px 0 0; font-size: 15px; color: var(--ix-navy-muted); }
.bd-option__sum strong { font-size: 20px; color: var(--ix-navy); }
.bd-option__note { margin: 10px 0 0; font-size: 13.5px; line-height: 1.5; color: var(--ix-navy-muted); }
.bd-list { margin: 10px 0 0; padding-left: 20px; list-style: disc; font-size: 16px; line-height: 1.8; color: var(--ix-navy-muted); }

/* How do I actually get one? */
.bd-steps { margin: 34px 0 0; padding: 0; list-style: none; counter-reset: none; }
.bd-steps > li { position: relative; padding: 0 0 30px 26px; border-left: 2px solid var(--ix-hair); }
.bd-steps > li:last-child { padding-bottom: 0; border-left-color: transparent; }
.bd-steps > li::before {
  content: "";
  position: absolute;
  left: -8px; top: 2px;
  width: 14px; height: 14px;
  border-radius: 50%;
  background: var(--ix-lime);
  box-shadow: 0 0 0 3px var(--ix-navy);
}
.bd-steps__n { font-size: 12px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--ix-navy-muted); }
.bd-steps h3 { margin: 4px 0 0; font-size: clamp(20px, 5.4vw, 24px); font-weight: 800; line-height: 1.2; letter-spacing: -.02em; color: var(--ix-navy); }
.bd-steps p { margin: 8px 0 0; font-size: 16.5px; line-height: 1.65; color: var(--ix-navy-muted); }
.bd-steps strong { color: var(--ix-navy); }
.bd-steps__point { padding-left: 14px; border-left: 4px solid var(--ix-lime); }
.bd-steps__pays { margin: 10px 0 0; padding: 0; list-style: none; min-height: 132px; }
.bd-steps__pays li { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px solid var(--ix-hair); font-size: 16px; color: var(--ix-navy-muted); font-variant-numeric: tabular-nums; }

/* Your rate / qualifying. */
.bd-facts-sec { border-top: 1px solid var(--ix-hair); }
.bd-pair { display: grid; gap: 56px; }
.bd-h2--sm { font-size: clamp(28px, 7.4vw, 40px); }
.bd-pair .bd-facts { min-height: 210px; }

/* Not just for conventional loans — the one lime band after the hero. */
.bd-beyond { padding: 72px 0; background: var(--ix-lime); color: var(--ix-navy); }
.bd-beyond__title { margin: 14px 0 0; font-size: clamp(38px, 10.6vw, 72px); font-weight: 800; line-height: .95; letter-spacing: -.05em; color: var(--ix-navy); }
.bd-beyond__copy { margin: 18px 0 0; max-width: 34em; font-size: 17px; line-height: 1.6; color: rgba(0, 43, 92, .82); }
.bd-beyond__list { margin: 14px 0 0; padding: 0; list-style: none; }
.bd-beyond__list li { border-bottom: 1px solid rgba(0, 43, 92, .18); }
.bd-beyond__list a {
  display: flex;
  justify-content: space-between;
  padding: 15px 0;
  font-size: 20px;
  font-weight: 800;
  letter-spacing: -.02em;
  color: var(--ix-navy);
  text-decoration: none;
}
.bd-beyond__list a::after { content: "\2192"; font-weight: 600; }
.bd-beyond__actions { display: flex; flex-wrap: wrap; align-items: center; gap: 6px 22px; margin-top: 30px; }
.bd-beyond__actions .ix-hero__alt { margin-top: 0; }

/* ── Hero example ── */
.bd-hx { margin-top: 30px; max-width: 520px; }
.bd-seg--hero { max-width: 260px; background: rgba(255,255,255,.55); }
.bd-hx__title { margin: 22px 0 0; font-size: 13px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; }
.bd-hx__using { margin: 4px 0 0; font-size: 15px; color: rgba(0,43,92,.78); }
.bd-hx__years { margin: 10px 0 0; padding: 0; list-style: none; min-height: 236px; }
.bd-hx__years li { display: grid; grid-template-columns: 70px 70px 1fr; align-items: baseline; gap: 2px 10px; padding: 10px 0; border-bottom: 1px solid rgba(0,43,92,.18); font-variant-numeric: tabular-nums; }
.bd-hx__years span { font-weight: 800; }
.bd-hx__years strong { text-align: right; font-size: 20px; font-weight: 800; }
.bd-hx__years em { grid-column: 1 / -1; font-style: normal; font-size: 12.5px; color: rgba(0,43,92,.7); }
.bd-hx__credit { margin-top: 22px; padding: 20px 22px; border-radius: 20px; background: var(--ix-navy); color: #fff; }
.bd-hx__k { margin: 0; font-size: 12px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: rgba(255,255,255,.72); }
.bd-hx__v { margin: 6px 0 0; font-size: clamp(40px, 11vw, 64px); font-weight: 800; letter-spacing: -.05em; line-height: 1; color: var(--ix-lime); font-variant-numeric: tabular-nums; }
.bd-hx__basis { margin: 8px 0 0; font-size: 13px; color: rgba(255,255,255,.7); }
.bd-hero__fine { margin: 14px 0 0; font-size: 12.5px; color: rgba(0,43,92,.7); }
.bd-story__v small { font-size: .6em; color: rgba(255,255,255,.7); }