:root{--blue-50:#eef3fe;--blue-100:#dbe6fd;--blue-200:#b9cdfb;--blue-300:#8dabf6;--blue-400:#5c83ef;--blue-500:#3b63e6;--blue-600:#2b49cf;--blue-700:#2339a6;--blue-800:#213380;--blue-900:#1e2e66;--green-50:#e7f7ee;--green-100:#c6ecd6;--green-200:#97dcb4;--green-300:#58c489;--green-400:#23a865;--green-500:#0f9a52;--green-600:#0a7f43;--green-700:#0a6537;--green-800:#0b502e;--green-900:#0a3f26;--paper-0:#fff;--paper-50:#faf9f6;--paper-100:#f4f2ec;--paper-200:#e9e6dc;--ink-100:#d9d5c9;--ink-200:#b7b1a1;--ink-300:#8c8778;--ink-400:#6a6659;--ink-500:#4a4739;--ink-600:#35322a;--ink-700:#26241e;--ink-800:#1a1915;--ink-900:#100f0c;--amber-400:#e8a53a;--amber-500:#cf8a1e;--amber-50:#fbf3e2;--red-400:#e05a4d;--red-500:#c93b2e;--red-50:#fbecea;--surface-page:var(--paper-50);--surface-card:var(--paper-0);--surface-sunken:var(--paper-100);--surface-inset:var(--paper-200);--surface-inverse:var(--ink-900);--border-hairline:var(--ink-100);--border-strong:var(--ink-200);--border-focus:var(--blue-500);--text-display:var(--ink-900);--text-heading:var(--ink-800);--text-body:var(--ink-700);--text-muted:var(--ink-400);--text-faint:var(--ink-300);--text-inverse:var(--paper-0);--text-link:var(--blue-600);--text-link-hover:var(--blue-700);--accent-primary:var(--blue-500);--accent-primary-hover:var(--blue-600);--accent-primary-soft:var(--blue-50);--accent-savings:var(--green-500);--accent-savings-hover:var(--green-600);--accent-savings-soft:var(--green-50);--status-warning:var(--amber-500);--status-warning-soft:var(--amber-50);--status-danger:var(--red-500);--status-danger-soft:var(--red-50);--status-verified:var(--green-600);--orb-idle:var(--blue-400);--orb-listening:var(--blue-500);--orb-thinking:var(--ink-400);--orb-speaking:var(--green-500);--viz-energy:var(--blue-500);--viz-broadband:#6a5bd6;--viz-mobile:#d67ba0;--viz-insurance:#2fa39b;--viz-mortgage:var(--green-600);--viz-credit:var(--amber-500);--viz-invest:var(--green-500);--viz-overpay:var(--blue-600)}[data-theme=dark],.theme-dark{--surface-page:#14130f;--surface-card:#1c1b16;--surface-sunken:#100f0c;--surface-inset:#26241e;--surface-inverse:var(--paper-50);--border-hairline:#302e26;--border-strong:#45423a;--border-focus:var(--blue-400);--text-display:#f7f5ef;--text-heading:#ece9e0;--text-body:#d8d4c8;--text-muted:#9a9484;--text-faint:#726d5f;--text-inverse:var(--ink-900);--text-link:var(--blue-300);--text-link-hover:var(--blue-200);--accent-primary:var(--blue-400);--accent-primary-hover:var(--blue-300);--accent-primary-soft:#1f2942;--accent-savings:var(--green-400);--accent-savings-hover:var(--green-300);--accent-savings-soft:#10321f;--status-warning-soft:#33270f;--status-danger-soft:#331813}
:root{--font-sans:"Plus Jakarta Sans",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Helvetica,Arial,sans-serif;--font-serif:"Newsreader",ui-serif,Georgia,"Times New Roman",serif;--font-mono:"IBM Plex Mono",ui-monospace,"SFMono-Regular",Menlo,Consolas,monospace;--text-2xs:.6875rem;--text-xs:.75rem;--text-sm:.875rem;--text-base:1rem;--text-md:1.125rem;--text-lg:1.375rem;--text-xl:1.75rem;--text-2xl:2.25rem;--text-3xl:3rem;--text-4xl:4rem;--text-5xl:5.5rem;--weight-regular:400;--weight-medium:500;--weight-semibold:600;--weight-bold:700;--weight-extra:800;--leading-tight:1.08;--leading-snug:1.25;--leading-normal:1.5;--leading-relaxed:1.7;--tracking-tight:-.02em;--tracking-snug:-.01em;--tracking-normal:0;--tracking-wide:.04em;--tracking-mono:.01em;--type-hero:var(--weight-extra) var(--text-4xl)/var(--leading-tight) var(--font-sans);--type-total:var(--weight-semibold) var(--text-5xl)/var(--leading-tight) var(--font-mono);--type-editorial-h:var(--weight-semibold) var(--text-xl)/var(--leading-snug) var(--font-serif);--type-body:var(--weight-regular) var(--text-base)/var(--leading-normal) var(--font-sans);--type-body-editorial:var(--weight-regular) var(--text-md)/var(--leading-relaxed) var(--font-serif);--type-caption:var(--weight-regular) var(--text-xs)/var(--leading-normal) var(--font-sans);--type-figure:var(--weight-medium) var(--text-sm)/var(--leading-normal) var(--font-mono)}
:root{--space-0:0;--space-1:.25rem;--space-2:.5rem;--space-3:.75rem;--space-4:1rem;--space-5:1.5rem;--space-6:2rem;--space-7:2.5rem;--space-8:3rem;--space-9:4rem;--space-10:5rem;--space-12:6rem;--space-16:8rem;--gutter:var(--space-5);--card-pad:var(--space-5);--card-pad-lg:var(--space-6);--section-y:var(--space-12);--content-max:72rem;--content-wide:80rem}
:root{--radius-xs:4px;--radius-sm:8px;--radius-md:12px;--radius-lg:16px;--radius-xl:24px;--radius-2xl:32px;--radius-pill:999px}
:root{--shadow-xs:0 1px 2px #1a19150f;--shadow-sm:0 1px 3px #1a191514,0 1px 2px #1a19150d;--shadow-md:0 4px 12px #1a191514,0 2px 4px #1a19150d;--shadow-lg:0 12px 28px #1a19151f,0 4px 8px #1a19150f;--shadow-xl:0 24px 60px #1a19152e,0 8px 16px #1a191514;--glow-listening:0 0 0 8px #3b63e61f,0 12px 40px #3b63e659;--glow-speaking:0 0 0 8px #0f9a521f,0 12px 40px #0f9a5252;--glow-savings:0 8px 30px #0f9a5238;--ring-focus:0 0 0 3px #3b63e659}
:root{--dur-instant:90ms;--dur-fast:.16s;--dur-base:.24s;--dur-slow:.42s;--dur-count:1.1s;--dur-breath:3.2s;--ease-standard:cubic-bezier(.2,0,0,1);--ease-out:cubic-bezier(.16,1,.3,1);--ease-in-out:cubic-bezier(.65,0,.35,1);--ease-count:cubic-bezier(.12,.7,.1,1);--ease-spring:cubic-bezier(.34,1.56,.64,1)}@keyframes orb-breath{0%,to{transform:scale(1)}50%{transform:scale(1.06)}}@keyframes orb-pulse-ring{0%{opacity:.55;transform:scale(1)}to{opacity:0;transform:scale(1.9)}}@keyframes orb-spin{to{transform:rotate(360deg)}}@keyframes card-rise{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}@keyframes meter-fill{0%{width:0}}@media (prefers-reduced-motion:reduce){*,:before,:after{transition-duration:.001ms!important;animation-duration:.001ms!important;animation-iteration-count:1!important}}
*{box-sizing:border-box}html,body{margin:0;padding:0}html{overflow-x:clip}img,svg,video,canvas,iframe{max-width:100%}body{background:var(--surface-page);color:var(--text-body);font:var(--type-body);-webkit-font-smoothing:antialiased;min-height:100dvh}a{color:var(--text-link);text-decoration:none}a:hover{color:var(--text-link-hover)}::selection{background:color-mix(in srgb, var(--accent-primary) 22%, transparent)}.zc-serif-h{font:var(--weight-semibold) var(--text-2xl)/var(--leading-snug) var(--font-serif);color:var(--text-display);letter-spacing:var(--tracking-snug);margin:0}@media (max-width:900px){.hero-grid,.b-two,.zc-three,.estimate-grid{grid-template-columns:1fr!important}}.ubc-chat{--copilot-kit-primary-color:var(--accent-primary)}@media (max-width:900px){.dash-col8,.dash-col4{grid-column:span 12!important}.reward-grid{grid-template-columns:1fr!important}}@media (max-width:640px){main *,header>div *,footer *{min-width:0}main p,main li,main h1,main h2,main h3,main h4,main span,main a,footer p,footer li,footer a{overflow-wrap:break-word}.hero-grid,.b-two,.zc-three,.estimate-grid,.reward-grid,.bills-tri,.bills-form,[style*="grid-template-columns:repeat(12"],[style*="grid-template-columns:repeat(3"],[style*="grid-template-columns:repeat(2,"],[style*="grid-template-columns:1fr 1fr"],[style*="grid-template-columns:1fr 1.05fr"],[style*="grid-template-columns:1fr 1.1fr"],[style*="grid-template-columns:1.05fr 1fr"],[style*="grid-template-columns:1.4fr 1fr"],[style*="grid-template-columns:1fr 460px"],[style*="grid-template-columns:1fr 440px"]{grid-template-columns:1fr!important}.dash-col8,.dash-col4{grid-column:auto!important}[style*=min-width\:280],[style*="min-width: 280"],[style*=min-width\:300],[style*=min-width\:340],[style*=min-width\:360],[style*=min-width\:440]{min-width:0!important}[style*=max-width\:440px],[style*=max-width\:460px]{max-width:100%!important}table{-webkit-overflow-scrolling:touch;max-width:100%;display:block;overflow-x:auto}header>div{flex-wrap:wrap;gap:10px 14px}header nav{flex-wrap:wrap;gap:14px}h1{font-size:clamp(1.8rem,8.5vw,2.5rem)!important;line-height:1.12!important}.zc-serif-h{font-size:1.35rem!important;line-height:1.25!important}[style*="var(--text-5xl)"]{font-size:2.4rem!important}[style*="var(--text-4xl)"]{font-size:2rem!important}}
:root{--copilot-kit-primary-color:#1c1c1c;--copilot-kit-contrast-color:#fff;--copilot-kit-background-color:#fff;--copilot-kit-input-background-color:#fbfbfb;--copilot-kit-secondary-color:#fff;--copilot-kit-secondary-contrast-color:#1c1c1c;--copilot-kit-separator-color:#c8c8c8;--copilot-kit-muted-color:#c8c8c8;--copilot-kit-error-background:#fef2f2;--copilot-kit-error-border:#fecaca;--copilot-kit-error-text:#dc2626;--copilot-kit-shadow-sm:0 1px 2px 0 #0000000d;--copilot-kit-shadow-md:0 4px 6px -1px #0000001a, 0 2px 4px -1px #0000000f;--copilot-kit-shadow-lg:0 10px 15px -3px #0000001a, 0 4px 6px -2px #0000000d;--copilot-kit-dev-console-bg:#f8f8fa;--copilot-kit-dev-console-text:black}.dark,html.dark,body.dark,[data-theme=dark],html[style*="color-scheme: dark"],body[style*="color-scheme: dark"]{--copilot-kit-primary-color:#fff;--copilot-kit-contrast-color:#1c1c1c;--copilot-kit-background-color:#111;--copilot-kit-input-background-color:#2c2c2c;--copilot-kit-secondary-color:#1c1c1c;--copilot-kit-secondary-contrast-color:#fff;--copilot-kit-separator-color:#2d2d2d;--copilot-kit-muted-color:#2d2d2d;--copilot-kit-error-background:#7f1d1d;--copilot-kit-error-border:#dc2626;--copilot-kit-error-text:#fca5a5;--copilot-kit-shadow-sm:0 1px 2px 0 #0000004d;--copilot-kit-shadow-md:0 4px 6px -1px #0006, 0 2px 4px -1px #0000004d;--copilot-kit-shadow-lg:0 10px 15px -3px #0006, 0 4px 6px -2px #0000004d}.copilotKitPopup{z-index:30;-webkit-text-size-adjust:100%;tab-size:4;font-feature-settings:normal;font-variation-settings:normal;touch-action:manipulation;font-family:ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,Noto Sans,sans-serif,Apple Color Emoji,Segoe UI Emoji,Segoe UI Symbol,Noto Color Emoji;line-height:1.5;position:fixed;bottom:1rem;right:1rem}.copilotKitPopup svg{vertical-align:middle;display:inline-block}.copilotKitSidebar{z-index:30;-webkit-text-size-adjust:100%;tab-size:4;font-feature-settings:normal;font-variation-settings:normal;touch-action:manipulation;font-family:ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,Noto Sans,sans-serif,Apple Color Emoji,Segoe UI Emoji,Segoe UI Symbol,Noto Color Emoji;line-height:1.5;position:fixed;bottom:1rem;right:1rem}.copilotKitSidebar svg{vertical-align:middle;display:inline-block}.copilotKitSidebarContentWrapper{margin-right:0;transition:margin-right .3s;overflow:visible}@media (min-width:640px){.copilotKitSidebarContentWrapper.sidebarExpanded{margin-right:28rem}}.copilotKitButton{border:1px solid var(--copilot-kit-primary-color);background-color:var(--copilot-kit-primary-color);width:3.5rem;height:3.5rem;color:var(--copilot-kit-contrast-color);cursor:pointer;box-shadow:var(--copilot-kit-shadow-sm);border-radius:50%;outline:none;justify-content:center;align-items:center;transition:all .2s;display:flex;position:relative;transform:scale(1)}.copilotKitButton:hover{box-shadow:var(--copilot-kit-shadow-md);transform:scale(1.05)}.copilotKitButton:active{box-shadow:var(--copilot-kit-shadow-sm);transform:scale(.95)}.copilotKitButtonIcon{justify-content:center;align-items:center;transition:opacity .1s,transform .3s;display:flex;position:absolute;top:50%;left:50%;transform:translate(-50%,-50%)}.copilotKitButtonIcon svg{width:1.5rem;height:1.5rem}.copilotKitButton.open .copilotKitButtonIconOpen{opacity:0;transform:translate(-50%,-50%)scale(0)rotate(90deg)}.copilotKitButton.open .copilotKitButtonIconClose,.copilotKitButton:not(.open) .copilotKitButtonIconOpen{opacity:1;transform:translate(-50%,-50%)scale(1)rotate(0)}.copilotKitButton:not(.open) .copilotKitButtonIconClose{opacity:0;transform:translate(-50%,-50%)scale(0)rotate(-90deg)}.copilotKitHeader{height:56px;color:var(--copilot-kit-primary-color);border-bottom:1px solid var(--copilot-kit-separator-color);background-color:var(--copilot-kit-contrast-color);z-index:2;border-top-left-radius:0;border-top-right-radius:0;justify-content:space-between;align-items:center;padding-left:1.5rem;font-weight:500;display:flex;position:relative}.copilotKitSidebar .copilotKitHeader{border-radius:0}.copilotKitHeaderControls{display:flex}.copilotKitHeaderCloseButton{background:0 0;border:none}@media (min-width:640px){.copilotKitHeader{border-top-left-radius:8px;border-top-right-radius:8px;padding-left:1.5rem;padding-right:24px}}.copilotKitHeader>button{color:var(--copilot-kit-muted-color);cursor:pointer;background-color:#0000;border:0;border-radius:50%;outline:none;justify-content:center;align-items:center;width:35px;height:35px;padding:8px;transition:background-color .2s;display:flex;position:absolute;top:50%;right:16px;transform:translateY(-50%)}.copilotKitHeader>button:hover{color:color-mix(in srgb, var(--copilot-kit-muted-color) 80%, black)}.copilotKitHeader>button:focus{outline:none}.copilotKitInput{cursor:text;background-color:var(--copilot-kit-input-background-color);border:1px solid var(--copilot-kit-separator-color);border-radius:20px;width:95%;min-height:75px;margin:0 auto;padding:12px 14px;position:relative}.copilotKitInputContainer{background:var(--copilot-kit-background-color);border-bottom-right-radius:.75rem;border-bottom-left-radius:.75rem;width:100%;padding:0 0 15px}.copilotKitSidebar .copilotKitInputContainer{border-bottom-right-radius:0;border-bottom-left-radius:0}.copilotKitInputControlButton{cursor:pointer;color:#00000040;appearance:button;text-transform:none;font-family:inherit;font-size:100%;font-weight:inherit;line-height:inherit;text-indent:0;text-shadow:none;text-align:center;background-color:#0000;background-image:none;border:0;width:24px;height:24px;margin:0;padding:0;transition-property:transform;transition-duration:.2s;transition-timing-function:cubic-bezier(.4,0,.2,1);display:inline-block;transform:scale(1)}.copilotKitInputControlButton:not([disabled]){color:var(--copilot-kit-primary-color)}.copilotKitInputControlButton:not([disabled]):hover{color:color-mix(in srgb, var(--copilot-kit-primary-color) 80%, black);transform:scale(1.05)}.copilotKitInputControlButton[disabled]{color:var(--copilot-kit-muted-color);cursor:default}.copilotKitInputControls{gap:3px;display:flex}.copilotKitInput>textarea{outline-offset:2px;resize:none;white-space:pre-wrap;overflow-wrap:break-word;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;cursor:text;font-family:inherit;font-size:.875rem;line-height:1.5rem;font-weight:inherit;color:var(--copilot-kit-secondary-contrast-color);background-color:#0000;border:0;outline:2px solid #0000;flex:1;width:100%;margin:0;padding:0}.copilotKitInput>textarea::placeholder{color:gray;opacity:1}.copilotKitInputControlButton.copilotKitPushToTalkRecording{color:#fff;background-color:#ec0000;border-radius:50%;animation:2s cubic-bezier(.4,0,.6,1) infinite copilotKitPulseAnimation}.copilotKitInput textarea::-webkit-scrollbar{width:9px}.copilotKitInput textarea::-webkit-scrollbar-track{background:0 0}.copilotKitInput textarea::-webkit-scrollbar-thumb{cursor:pointer;background-color:#c8c8c8;background-clip:content-box;border:2px solid #0000;border-radius:10px}.copilotKitInput textarea::-webkit-scrollbar-thumb:hover{background-color:#a0a0a0}.poweredByContainer{padding:0}.poweredBy{background:var(--copilot-kit-background-color)!important;visibility:visible!important;text-align:center!important;color:#d6d6d6!important;margin:0!important;padding:3px 0!important;font-size:12px!important;display:block!important;position:static!important}.dark .poweredBy,html.dark .poweredBy,body.dark .poweredBy,[data-theme=dark] .poweredBy,html[style*="color-scheme: dark"] .poweredBy,body[style*="color-scheme: dark"] .poweredBy{color:#454545!important}.copilotKitMessages{background-color:var(--copilot-kit-background-color);color:var(--copilot-kit-secondary-contrast-color);z-index:1;flex-direction:column;flex:1;justify-content:space-between;display:flex;overflow-y:scroll}.copilotKitMessagesContainer{flex-direction:column;padding:1rem 24px;display:flex}.copilotKitMessagesFooter{box-sizing:border-box;flex-direction:column;justify-content:flex-start;width:100%;margin:8px auto 0;padding:.5rem .75rem;display:flex}.copilotKitMessages::-webkit-scrollbar{width:6px}.copilotKitMessages::-webkit-scrollbar-thumb{background-color:var(--copilot-kit-separator-color);border:2px solid var(--copilot-kit-background-color);border-radius:10rem}.copilotKitMessages::-webkit-scrollbar-track-piece:start{background:0 0}.copilotKitMessages::-webkit-scrollbar-track-piece:end{background:0 0}.copilotKitMessage{overflow-wrap:break-word;border-radius:15px;max-width:80%;margin-bottom:.5rem;padding:8px 12px;font-size:1rem;line-height:1.5}.copilotKitMessage.copilotKitUserMessage{background:var(--copilot-kit-primary-color);color:var(--copilot-kit-contrast-color);white-space:pre-wrap;margin-left:auto;font-size:1rem;line-height:1.75}.copilotKitMessage.copilotKitAssistantMessage{max-width:100%;color:var(--copilot-kit-secondary-contrast-color);background:0 0;margin-right:auto;padding-left:0;position:relative}.copilotKitMessage.copilotKitAssistantMessage .copilotKitMessageControls{opacity:0;gap:1rem;padding:5px 0 0;transition:opacity .2s;display:flex;position:absolute;left:0}.copilotKitMessageControls.currentMessage{opacity:1!important}.copilotKitMessage.copilotKitAssistantMessage:hover .copilotKitMessageControls{opacity:1}@media (max-width:768px){.copilotKitMessage.copilotKitAssistantMessage .copilotKitMessageControls{opacity:1}}.copilotKitMessageControlButton{width:20px;height:20px;color:var(--copilot-kit-primary-color);cursor:pointer;z-index:10;background:0 0;border:none;border-radius:.5rem;justify-content:center;align-items:center;margin:0;padding:0;transition:all .2s;display:flex}.copilotKitMessageControlButton:hover,.copilotKitMessageControlButton:active{color:color-mix(in srgb, var(--copilot-kit-primary-color) 80%, black);transform:scale(1.05)}.copilotKitMessageControlButton.active{background-color:var(--copilot-kit-primary-color);color:var(--copilot-kit-contrast-color)}.copilotKitMessageControlButton.active:hover{background-color:color-mix(in srgb, var(--copilot-kit-primary-color) 90%, black);color:var(--copilot-kit-contrast-color)}.copilotKitMessageControlButton svg{pointer-events:none;width:1rem;height:1rem;display:block}.copilotKitMessage.copilotKitAssistantMessage+.copilotKitMessage.copilotKitUserMessage{margin-top:1.5rem}.copilotKitCustomAssistantMessage{margin-top:1.5rem;margin-bottom:1.5rem}.copilotKitMessage .inProgressLabel{opacity:.7;margin-left:10px}@keyframes copilotKitSpinAnimation{to{transform:rotate(360deg)}}.copilotKitSpinner{border:2px solid var(--copilot-kit-contrast-color);border-top-color:var(--copilot-kit-primary-color);border-radius:50%;width:16px;height:16px;animation:1s linear infinite copilotKitSpinAnimation;display:inline-block}@keyframes copilotKitActivityDotAnimation{0%,80%,to{opacity:.5;transform:scale(.5)}40%{opacity:1;transform:scale(1)}}.copilotKitActivityDot{background-color:var(--copilot-kit-primary-color);border-radius:50%;width:6px;height:6px;animation:1.4s ease-in-out infinite both copilotKitActivityDotAnimation;display:inline-block}.copilotKitImageRendering{flex-direction:column;gap:8px;display:flex}.copilotKitImageRenderingImage{object-fit:cover;background-color:var(--copilot-kit-input-background-color);width:auto;max-width:80px;height:auto;max-height:80px;box-shadow:var(--copilot-kit-shadow-sm);cursor:pointer;border-radius:12px}.copilotKitImageRenderingContent{color:var(--copilot-kit-secondary-contrast-color);margin-top:8px;padding:0 16px;font-size:.875rem;line-height:1.5}.copilotKitImageRenderingError{border:1px solid var(--copilot-kit-separator-color);background-color:var(--copilot-kit-input-background-color);border-radius:8px;flex-direction:column;gap:8px;padding:12px;display:flex}.copilotKitImageRenderingErrorMessage{background-color:var(--copilot-kit-error-background);border:1px solid var(--copilot-kit-error-border);color:var(--copilot-kit-error-text);border-radius:6px;align-items:center;gap:8px;padding:8px 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