.modal-overlay{position:fixed;inset:0;background-color:rgba(0,0,0,.6);display:flex;justify-content:center;align-items:center;z-index:9999}.modal-overlay.show-modal{opacity:1;pointer-events:auto}.modal-overlay.hide-modal{opacity:0;pointer-events:none}.banner-modal{display:flex;flex-direction:column;align-items:center;position:relative;background-color:#f5fdff;border-radius:8px;overflow:hidden;max-width:max-content;width:100%;box-shadow:0 4px 20px rgba(0,0,0,.2)}.modal-close{position:absolute;top:8px;right:12px;font-size:22px;background:none;border:none;cursor:pointer;color:black;z-index:10;text-shadow:0 1px 4px rgba(0,0,0,.4)}.modal-close:hover{color:#666}.modal-image{width:100%;height:auto;max-height:min(500px,90vh);display:block}@media (min-width:768px){.banner-modal{max-width:max-content}.modal-image{max-height:min(500px,90vh);object-fit:contain}}@media (min-width:1024px){.modal-image{max-height:min(600px,90vh);object-fit:contain}}.tools-card h3,.tools-card p{text-decoration:none}.tools-card,.tools-card *{text-decoration:none!important}.tools-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:2rem;width:100%;margin-top:16px}.tools-card{position:relative;height:320px;border-radius:1.25rem;background-size:cover;background-position:50%;overflow:hidden;display:flex;align-items:flex-end;transition:transform .3s ease;cursor:pointer;color:#fff}.tools-card:hover{transform:translateY(-5px)}.tools-overlay{background:rgba(0,0,0,.5)}.tools-text{position:relative;z-index:2;padding:1.5rem;text-align:left}.tools-text h3{font-size:1.1rem;font-weight:700;margin-bottom:.5rem;text-transform:lowercase}.tools-text p{font-size:.85rem;line-height:1.4;color:#fff}.tools-bottom{text-align:center}.tools-bottom h2{font-size:1.75rem;font-weight:800;color:var(--sec-color);margin-bottom:.5rem}.tools-bottom p{font-size:1rem;font-weight:600;color:var(--pri-text-color)}.tools-overlay{position:absolute;inset:0;z-index:1;opacity:1}.overlay-darkblue{background-color:rgba(34,115,147,.5)}.overlay-gold{background-color:rgb(0,47,100,.5)}@media (max-width:768px){.mortgage-container{padding:32px}.tools-grid{grid-template-columns:1fr;gap:1.5rem}.tools-card{max-width:100%;height:280px}.tools-bottom{margin-top:1rem}}