@font-face{font-family:"Figtree";font-style:normal;font-weight:400;font-display:swap;src:url(../fonts/figtree-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Figtree";font-style:normal;font-weight:500;font-display:swap;src:url(../fonts/figtree-latin-500-normal.woff2) format("woff2")}
@font-face{font-family:"Figtree";font-style:normal;font-weight:600;font-display:swap;src:url(../fonts/figtree-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Instrument Serif";font-style:normal;font-weight:400;font-display:swap;src:url(../fonts/instrument-serif-band.woff2) format("woff2")}
:root{--ink:#1B2A4A;--ink-d:#14203A;--accent:#C9A544;--hi:#C9A544;--bg:#EFE6D4;--panel:#F8F4EC;--card:#FFFFFF;--line:#DCD4C3;--text:#141821;--muted:#4D576E;
--r:18px;--r-in:12px;--pad:clamp(1.4rem,4vw,2.9rem);--gut:22px;--navh:68px;--maxw:1200px;
--edge-shadow:0 1px 2px rgba(20,24,33,.05),0 10px 26px -18px rgba(20,24,33,.28)}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:96px}
body{margin:0;background:var(--bg);color:var(--muted);font:400 16px/1.6 "Figtree",system-ui,-apple-system,"Segoe UI",sans-serif}
img{max-width:100%;display:block}
a{color:var(--ink);text-underline-offset:3px}
a:hover{color:var(--ink-d)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:6px}
h1,h2,h3,h4{color:var(--text);margin:0;text-wrap:balance;font-weight:500}
h1{font-size:clamp(2.4rem,4.4vw,3.4rem);line-height:1.06;letter-spacing:-.03em}
h2{font-size:clamp(1.7rem,3vw,2.2rem);line-height:1.15;letter-spacing:-.02em}
h3{font-size:1.15rem;line-height:1.3;letter-spacing:-.01em;font-weight:600}
p{margin:0 0 1rem}
p:last-child{margin-bottom:0}
ul,ol{margin:0 0 1rem;padding-left:1.2rem}
li{margin:.3rem 0}
strong{color:var(--text);font-weight:600}
.skip{position:absolute;left:-9999px;top:8px;z-index:2147483001;background:var(--card);padding:.6rem 1rem;border-radius:10px}
.skip:focus{left:12px}
.wrap{width:calc(100% - 2*var(--gut));max-width:var(--maxw);margin:0 auto}
main{display:flex;flex-direction:column;gap:var(--gut);padding:10px 0 var(--gut)}
.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--edge-shadow);padding:var(--pad);position:relative}
.tile{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);box-shadow:var(--edge-shadow);padding:1.25rem 1.3rem}
.eyebrow{display:flex;align-items:center;gap:.6rem;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--ink);margin:0 0 .8rem}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--accent);flex:0 0 auto}
.lead{font-size:1.08rem;color:var(--text)}
.ans{color:var(--text);font-size:1.04rem;text-wrap:balance}
.muted{color:var(--muted)}
.note{font-size:.88rem;color:var(--muted)}
.mt{margin-top:1rem}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.45rem;min-height:46px;padding:.7rem 1.25rem;border-radius:10px;font-weight:600;font-size:.98rem;text-decoration:none;border:1px solid transparent;cursor:pointer;line-height:1.2}
.btn-ink{background:var(--ink);color:#fff}
.btn-ink:hover{background:var(--ink-d);color:#fff}
.btn-line{background:var(--card);color:var(--ink);border-color:var(--line)}
.btn-line:hover{border-color:var(--ink);color:var(--ink)}
.btn-white{background:#fff;color:var(--ink)}
.btn-white:hover{background:var(--panel);color:var(--ink)}
.btns{display:flex;flex-wrap:wrap;gap:.6rem;align-items:center}
/* nav */
.nav{position:fixed;top:10px;left:0;right:0;z-index:2147483000;isolation:isolate;pointer-events:none}
.nav .in{pointer-events:auto;width:calc(100% - 2*var(--gut));max-width:var(--maxw);margin:0 auto;height:var(--navh);display:flex;align-items:center;gap:1.4rem;padding:0 var(--pad);border-radius:var(--r);border:1px solid transparent;transition:background .2s,box-shadow .2s,border-color .2s}
.nav.scrolled .in,.nav.open .in{background:var(--panel);border-color:var(--line);box-shadow:var(--edge-shadow)}
.logo{display:flex;align-items:center;gap:.55rem;text-decoration:none;color:var(--text);flex:0 0 auto}
.logo img{width:40px;height:40px;border-radius:10px}
.logo span{font-weight:600;letter-spacing:.12em;text-transform:uppercase;font-size:.86rem;color:var(--text)}
.menu{display:flex;align-items:center;gap:.2rem;list-style:none;margin:0;padding:0}
.menu>li{position:relative;margin:0}
.menu>li>a,.menu>li>button{display:flex;align-items:center;gap:.3rem;min-height:44px;padding:0 .7rem;border-radius:10px;background:none;border:0;font:500 .95rem/1 "Figtree",system-ui,sans-serif;color:var(--text);text-decoration:none;cursor:pointer}
.menu>li>a:hover,.menu>li>button:hover{background:rgba(27,42,74,.07)}
.menu svg{width:12px;height:12px}
.dd{position:absolute;top:100%;left:0;margin:0;list-style:none;padding:.45rem;background:var(--panel);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);box-shadow:0 18px 40px -20px rgba(20,24,33,.35);width:max-content;max-width:calc(100vw - 32px);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:2}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.dd li{margin:0}
.dd a{display:flex;align-items:center;min-height:42px;padding:0 .8rem;border-radius:8px;white-space:nowrap;text-decoration:none;color:var(--text);font-size:.95rem}
.dd a:hover{background:var(--card)}
.nav .apply{margin-left:auto;border-radius:999px;padding:.7rem 1.4rem}
.burger{display:none;margin-left:auto;width:46px;height:46px;border-radius:10px;border:1px solid var(--line);background:var(--card);align-items:center;justify-content:center;cursor:pointer}
.burger svg{width:22px;height:22px}
@media (max-width:1060px){.menu>li>a,.menu>li>button{padding:0 .5rem;font-size:.92rem}.nav .in{gap:.8rem}}
@media (max-width:960px){
 .burger{display:inline-flex}
 .nav .apply{margin-left:0}
 .menu{display:none;position:absolute;left:0;right:0;top:calc(var(--navh) + 6px);flex-direction:column;align-items:stretch;background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:.6rem;box-shadow:var(--edge-shadow);max-height:calc(100vh - 100px);overflow:auto}
 .nav.open .menu{display:flex}
 .nav .in{position:relative}
 .menu>li>a,.menu>li>button{width:100%;justify-content:space-between;min-height:46px}
 .dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;background:transparent;width:auto;max-width:none;padding:0 0 .3rem .6rem}
 .dd::before{display:none}
 .has-dd.open>.dd{display:block}
 .has-dd:hover>.dd{display:none}.has-dd.open:hover>.dd{display:block}
}
@media (max-width:520px){.nav .apply{display:none}.logo span{font-size:.8rem;letter-spacing:.08em}}
/* hero / header card (stack mode = base) */
.hero{padding:calc(var(--navh) + 1.6rem) var(--pad) var(--pad);overflow:hidden}
.hero .hero-text{max-width:620px}
.hero .hero-img{width:100%;max-width:720px;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:var(--r-in);margin-top:1.4rem}
.hero h1{margin:0 0 .9rem}
.hero .lead{margin:0 0 1.1rem;max-width:560px}
.crumb{display:flex;flex-wrap:wrap;gap:.35rem;list-style:none;margin:0 0 .8rem;padding:0;font-size:.85rem;color:var(--text)}
.crumb li{margin:0;display:flex;gap:.35rem;align-items:center}
.crumb li+li::before{content:"/";color:var(--muted)}
.crumb a{color:var(--text)}
.trust{display:flex;align-items:center;gap:.5rem;margin-top:1.1rem;font-size:.92rem;color:var(--text);flex-wrap:wrap}
.avs{display:flex}
.avs img{width:38px;height:38px;border-radius:50%;border:2px solid #fff;margin-left:-10px;object-fit:cover}
.avs img:first-child{margin-left:0}
.trust b{font-weight:600}
.chips{list-style:none;padding:0;margin:0 0 1.1rem;display:flex;flex-wrap:nowrap;overflow-x:auto;gap:.35rem;scrollbar-width:none}
.chips::-webkit-scrollbar{display:none}
.chips li{margin:0;flex:0 0 auto}
.chips a{display:inline-flex;align-items:center;height:32px;padding:.3rem .65rem;border-radius:999px;background:var(--card);border:1px solid var(--line);font-size:.8rem;color:var(--text);text-decoration:none;white-space:nowrap}
.chips a:hover{border-color:var(--ink)}
@media (min-width:1141px){
 section.hero.fb{display:flex;flex-direction:column;justify-content:center;aspect-ratio:16/9;padding:0;background:var(--panel)}
 section.hero.fb .hero-img{position:absolute;inset:0;width:100%;height:100%;max-width:none;margin:0;border-radius:0;object-fit:cover;z-index:0}
 section.hero.fb::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:linear-gradient(90deg,rgba(248,244,236,.72) 0,rgba(248,244,236,.62) calc(var(--pad) + 300px),rgba(248,244,236,.55) calc(var(--pad) + 480px),rgba(248,244,236,0) max(56%,calc(var(--pad) + 560px)))}
 section.hero.fb .hero-text{position:relative;z-index:1;max-width:calc(480px + 2*var(--pad));padding:calc(var(--navh) + .9rem) var(--pad) .9rem}
 section.hero.fb .lead{max-width:480px}
 section.hero.fb .chips{display:block;text-wrap:balance;font-size:0;line-height:0;margin:0 -.175rem 1.1rem;max-width:600px;overflow:visible}
 section.hero.fb .chips li{display:inline-block;margin:.175rem}
 section.hero.fb .eyebrow{color:var(--ink-d)}
 section.hero.fb h1.hh{font-size:clamp(2.1rem,3.3vw,2.75rem)}
}
/* form card */
.formcard{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad);box-shadow:none;position:relative;overflow:hidden}
.formcard::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--accent)}
.formcard .fhead{text-align:center;max-width:640px;margin:0 auto 1.2rem}
.formcard .fhead h2{margin-bottom:.4rem}
.form-embed{position:relative;z-index:1;isolation:isolate;min-height:160px}
@media (max-width:600px){.formcard{border-radius:12px}}
/* generic grids */
.g2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.4rem}
.g3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.g4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}
@media (max-width:1020px){.g3{grid-template-columns:repeat(2,minmax(0,1fr))}.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:700px){.g2,.g3{grid-template-columns:minmax(0,1fr)}}
@media (max-width:620px){.g4{grid-template-columns:minmax(0,1fr)}}
.ico{width:40px;height:40px;border-radius:10px;background:var(--bg);display:inline-flex;align-items:center;justify-content:center;color:var(--ink);margin-bottom:.8rem}
.ico svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.tile h3{margin:0 0 .4rem}
.tile p{font-size:.95rem}
.tile.dark{background:var(--ink);border-color:var(--ink)}
.tile.dark h3,.tile.dark p{color:#fff}
.tile.dark .ico{background:rgba(255,255,255,.12);color:#fff}
.sechead{max-width:720px;margin-bottom:1.6rem}
.sechead h2{margin-bottom:.6rem}
/* intro */
.intro .g2 p{color:var(--muted)}
.intro .feat{margin-top:1.8rem}
/* dark band */
.band{background:#10182b;border-color:#10182b;overflow:hidden;min-height:440px;color:#fff;display:flex;align-items:center}
.band img.edge{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:2/1;max-width:none;z-index:0}
.band::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,#10182b 0,#10182b 42%,rgba(16,24,43,.55) 54%,rgba(16,24,43,0) 64%)}
.band .bt{position:relative;z-index:1;max-width:min(470px,calc(42% - 10px - var(--pad)))}
.band h2.serif{font-family:"Instrument Serif",Georgia,serif;font-weight:400;font-size:clamp(2.3rem,3.6vw,3rem);line-height:1.05;color:#fff;letter-spacing:-.01em;margin-bottom:1.2rem}
.vals{list-style:none;padding:0;margin:0 0 1.4rem;display:flex;flex-direction:column;gap:.7rem}
.vals li{display:flex;gap:.7rem;align-items:flex-start;margin:0;color:#E7EAF1;font-size:.96rem}
.vals svg{flex:0 0 22px;width:22px;height:22px;fill:none;stroke:var(--accent);stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round;margin-top:2px}
.wordmark{font-size:clamp(1.9rem,3vw,2.5rem);font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:#fff;line-height:1}
.wordsub{color:var(--accent);font-size:.9rem;letter-spacing:.12em;text-transform:uppercase;margin-top:.5rem;font-weight:600}
@media (max-width:1020px){.band{display:block;min-height:0}.band img.edge{position:static;width:100%;height:auto;max-width:720px;border-radius:var(--r-in);margin-top:1.4rem}.band::after{display:none}.band .bt{max-width:none}}
/* M2 tiers / amount cards */
.tier{display:flex;flex-direction:column}
.tier .tag{align-self:flex-start;font-size:.72rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;background:var(--ink);color:#fff;border-radius:999px;padding:.25rem .6rem;margin-bottom:.7rem}
.tier .tag.ghost{background:var(--bg);color:var(--ink)}
.tier .big{font-size:1.7rem;font-weight:600;color:var(--text);letter-spacing:-.02em;line-height:1.1;margin-bottom:.3rem}
.bar{height:6px;border-radius:999px;background:var(--bg);overflow:hidden;margin:.8rem 0}
.bar i{display:block;height:100%;background:var(--accent);border-radius:999px}
.tier .foot{margin-top:auto;font-size:.88rem}
/* steps M3 */
.steps{display:grid;grid-template-columns:260px minmax(0,1fr);gap:2rem;align-items:center}
.ringbox{position:relative;width:220px;height:220px;margin:0 auto}
.ringbox svg{width:220px;height:220px;transform:rotate(-90deg)}
.ringbox .rt{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
.ringbox .rt b{font-size:2rem;color:var(--text);font-weight:600;line-height:1}
.ringbox .rt span{font-size:.82rem}
.slist{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}
.slist li{margin:0;display:flex;flex-direction:column}
.slist .n{width:32px;height:32px;border-radius:50%;background:var(--ink);color:#fff;font-weight:600;display:flex;align-items:center;justify-content:center;font-size:.9rem;margin-bottom:.6rem}
.slist .t{font-size:.78rem;color:var(--ink);font-weight:600;letter-spacing:.06em;text-transform:uppercase;margin-top:auto;padding-top:.5rem}
@media (max-width:860px){.steps{grid-template-columns:minmax(0,1fr)}}
@media (max-width:620px){.slist{grid-template-columns:minmax(0,1fr)}}
/* M4 amount tabs */
.amt{display:grid;grid-template-columns:minmax(0,380px) minmax(0,1fr);gap:1.2rem;align-items:stretch}
.amt-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.5rem}
.amt-list li{margin:0;flex:1 1 0;display:flex}
.amt-list a{flex:1;display:flex;flex-direction:column;justify-content:center;gap:.15rem;padding:.6rem 1rem;border-radius:12px;border:1px solid var(--line);background:var(--card);text-decoration:none;color:var(--text);min-height:58px}
.amt-list a .l1{font-weight:600;white-space:nowrap}
.amt-list a .l2{font-size:.85rem;color:var(--muted);white-space:nowrap}
.amt-list a.on{background:var(--ink);border-color:var(--ink)}
.amt-list a.on .l1,.amt-list a.on .l2{color:#fff}
.amt-panels{display:flex;flex-direction:column}
.apanel{flex:1;display:flex;flex-direction:column;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.6rem}
.apanel[hidden]{display:none}
.apanel .big{font-size:2.6rem;font-weight:600;color:var(--text);letter-spacing:-.03em;line-height:1}
.facts4{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.7rem;margin:1.1rem 0}
.facts4 div{background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:.7rem .85rem}
.facts4 small{display:block;font-size:.76rem;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.facts4 b{color:var(--text);font-size:1.1rem;font-weight:600}
.apanel .btns{margin-top:auto;padding-top:.8rem}
@media (max-width:860px){.amt{grid-template-columns:minmax(0,1fr)}}
/* M5 category list (5 = single column list) */
.catlist{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.6rem}
.catlist li{margin:0}
.catlist a{display:grid;grid-template-columns:48px minmax(0,1fr) auto;gap:1rem;align-items:center;padding:1rem 1.2rem;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);text-decoration:none;color:var(--muted)}
.catlist a:hover{border-color:var(--ink)}
.catlist .ico{margin:0}
.catlist b{display:block;color:var(--text);font-size:1.05rem;font-weight:600}
.catlist .go{font-size:.78rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--ink);white-space:nowrap}
@media (max-width:620px){.catlist a{grid-template-columns:40px minmax(0,1fr)}.catlist .go{display:none}}
/* M6 */
.m6{display:flex;flex-direction:column;gap:var(--gut)}
.edgecard{overflow:hidden;min-height:440px;display:flex;flex-direction:column}
.edgecard>img.edge{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}
.edgecard::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 570px),rgba(248,244,236,.35) calc(var(--pad) + 720px),rgba(248,244,236,.2) 100%)}
.edgecard>:not(img){position:relative;z-index:1}
.edgecard .col{max-width:560px;display:flex;flex-direction:column;flex:1}
.checks{list-style:none;padding:0;margin:1rem 0 .8rem;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.45rem 1rem}
.checks li{margin:0}
.checks label{display:flex;gap:.55rem;align-items:center;cursor:pointer;white-space:nowrap;color:var(--text);font-size:.95rem;min-height:36px}
.checks input{width:20px;height:20px;accent-color:var(--ink);flex:0 0 auto}
.count{font-size:.86rem;font-weight:600;color:var(--ink);margin-bottom:.8rem}
.edgecard .more{margin-top:auto;padding-top:.6rem}
.estim .grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:2rem;align-items:stretch;flex:1}
.estim .col{max-width:460px}
.facts{list-style:none;padding:0;margin:1rem 0;display:flex;flex-direction:column;gap:.7rem}
.facts li{display:flex;gap:.7rem;align-items:center;margin:0;color:var(--text)}
.facts .ico{margin:0;width:36px;height:36px;flex:0 0 auto}
.calc{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.4rem;box-shadow:var(--edge-shadow);display:flex;flex-direction:column;gap:.9rem}
.calc label{display:block;font-size:.82rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);margin-bottom:.35rem}
.calc input[type=range]{width:100%;accent-color:var(--ink);height:28px}
.calc select{width:100%;min-height:44px;border:1px solid var(--line);border-radius:10px;padding:0 .7rem;font:inherit;color:var(--text);background:#fff}
.calc .out{background:var(--panel);border-radius:12px;padding:1rem;border:1px solid var(--line)}
.calc .out b{display:block;font-size:2rem;color:var(--text);font-weight:600;line-height:1.1}
.calc .val{float:right;color:var(--text);font-weight:600;text-transform:none;letter-spacing:0;font-size:.95rem}
@media (max-width:1020px){
 .edgecard{min-height:0}
 .edgecard>img.edge{position:static;width:100%;height:auto;max-width:720px;border-radius:var(--r-in);margin-top:1.2rem;aspect-ratio:16/9}
 .edgecard::after{display:none}
 .estim>img.edge,.aboutcard>img.edge{display:none}
 .estim .grid{grid-template-columns:minmax(0,1fr)}
 .edgecard .col,.estim .col{max-width:none}
}
@media (max-width:700px){.checks{grid-template-columns:minmax(0,1fr)}.checks label{white-space:normal}}
/* M7 */
.offerck{list-style:none;padding:0;margin:0}
.dots{letter-spacing:.12em;color:var(--ink);white-space:nowrap}
.dots i{font-style:normal;color:var(--line)}
/* tables */
.tbl{width:100%;overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:.95rem;background:var(--card);border-radius:12px;overflow:hidden}
th,td{text-align:left;padding:.75rem .9rem;border-bottom:1px solid var(--line);vertical-align:top;color:var(--text)}
th{background:var(--bg);font-weight:600;font-size:.86rem;letter-spacing:.02em}
tr:last-child td{border-bottom:0}
caption{caption-side:bottom;text-align:left;font-size:.84rem;color:var(--muted);padding-top:.6rem}
/* T1 */
.t1{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:1.2rem;align-items:stretch}
.t1 .left{display:flex;flex-direction:column;gap:1rem}
.apr-f{flex:1;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.7rem;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:1rem}
.apr-f h3{grid-column:1/-1;font-size:1rem;margin:0}
.apr-f p{font-size:.92rem;margin:0}
.apr-f b{color:var(--text);display:block}
.repcard{background:var(--ink);border-radius:calc(var(--r) - 6px);padding:1.6rem;color:#DDE3EE;display:flex;flex-direction:column}
.repcard h3{color:#fff;margin-bottom:.6rem}
.repcard .eyebrow{color:var(--accent)}
.reprows{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.6rem;margin:1rem 0}
.reprows div{background:rgba(255,255,255,.08);border-radius:10px;padding:.65rem .8rem}
.reprows small{display:block;font-size:.74rem;letter-spacing:.06em;text-transform:uppercase;color:#C3CBDA}
.reprows b{color:#fff;font-size:1.1rem;font-weight:600}
.repcard a{color:#fff}
.repcard .more{margin-top:auto}
@media (max-width:900px){.t1{grid-template-columns:minmax(0,1fr)}}
/* T5 about */
.aboutcard{overflow:hidden;min-height:440px;display:flex;align-items:center}
.aboutcard>img.edge{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}
.aboutcard::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 530px),rgba(248,244,236,.25) calc(var(--pad) + 680px),rgba(248,244,236,0) 100%)}
.aboutcard .row{position:relative;z-index:1;display:flex;gap:2rem;align-items:center;width:100%}
.aboutcard .copy{max-width:520px}
.nap{margin-left:auto;background:var(--ink);color:#DDE3EE;border-radius:calc(var(--r) - 6px);padding:1.5rem;width:min(360px,100%);flex:0 0 auto}
.nap b{color:#fff;font-size:1.1rem;display:block;margin-bottom:.5rem}
.nap p{margin:0 0 .35rem;font-size:.95rem}
.nap a{color:#fff}
.nap .tag{display:inline-block;margin-top:.6rem;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);font-weight:600}
.reviewed{margin-top:1.1rem;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:.8rem 1rem;font-size:.9rem;color:var(--text)}
@media (max-width:1020px){.aboutcard{display:block;min-height:0}.aboutcard::after{display:none}.aboutcard .row{flex-direction:column;align-items:stretch}.nap{margin-left:0;width:100%}.aboutcard .copy{max-width:none}}
/* T6 FAQ */
.faqgrid{display:grid;grid-template-columns:minmax(0,1fr) clamp(330px,calc(685px - 28.4vw),361px);gap:2rem;align-items:start}
.faqimg{position:relative}
.faqimg img{display:block;width:100%;height:auto;aspect-ratio:848/1424;object-fit:cover;border-radius:var(--r-in)}
details.acc{border-bottom:1px solid var(--line);padding:.2rem 0}
details.acc summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:1rem;align-items:center;min-height:52px;font-weight:600;color:var(--text);font-size:1.02rem}
details.acc summary::-webkit-details-marker{display:none}
details.acc summary::after{content:"+";font-size:1.4rem;color:var(--ink);font-weight:400}
details.acc[open] summary::after{content:"\2212"}
details.acc p{padding:0 0 .9rem}
@media (max-width:1020px){.faqgrid{grid-template-columns:minmax(0,1fr)}.faqimg img{position:static;height:auto;aspect-ratio:3/5;max-width:420px;margin:0 auto}.faqimg{position:static}}
/* CTA band */
.ctaband{background:var(--ink);border-color:var(--ink);color:#DDE3EE;display:flex;align-items:center;justify-content:space-between;gap:1.5rem;flex-wrap:wrap}
.ctaband h2{color:#fff;margin-bottom:.4rem}
.ctaband .eyebrow{color:var(--accent)}
.ctaband p{margin:0}
/* inner sections */
.sec{display:grid;grid-template-columns:minmax(0,250px) minmax(0,680px);gap:2rem;justify-content:space-between}
.sec .sh{position:relative}
.sec .sh .in{position:sticky;top:100px}
.num{display:block;font-size:.8rem;font-weight:600;letter-spacing:.12em;color:var(--ink);margin-bottom:.5rem}
.sec h2{font-size:clamp(1.5rem,2.4vw,1.9rem)}
.sec.full{display:block}
.sec.full .sh{margin-bottom:1.2rem;max-width:760px}
.sec.full .sb{max-width:none}
.sec.full .sb>p,.sec.full .sb>ul,.sec.full .sb>ol{max-width:760px}
.sb h3{margin:1.4rem 0 .5rem}
.sb .tbl,.sb .g3,.sb .g2{margin:1rem 0}
.callout{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:10px;padding:1rem 1.1rem;margin:1rem 0;color:var(--text)}
.split{float:right;width:min(40%,300px);margin:0 0 1rem 1.4rem;border-radius:var(--r-in);height:auto;aspect-ratio:3/4;object-fit:cover}
@media (max-width:1020px){.sec{grid-template-columns:minmax(0,1fr);gap:1rem}.sec .sh .in{position:static}}
@media (max-width:600px){.split{float:none;width:100%;max-width:420px;margin:0 auto 1rem}}
.trust-sec{max-width:760px}
.minifaq .qa{padding:1rem 0;border-bottom:1px solid var(--line)}
.minifaq .qa:last-child{border-bottom:0;padding-bottom:0}
.minifaq h3{margin-bottom:.4rem}
.explore .grp{margin-top:1rem}
.explore .grp p{font-weight:600;color:var(--text);margin-bottom:.5rem}
.pills{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.5rem}
.pills li{margin:0}
.pills a{display:inline-flex;align-items:center;min-height:40px;padding:0 .9rem;border:1px solid var(--line);border-radius:999px;background:var(--card);text-decoration:none;color:var(--text);font-size:.92rem}
.pills a:hover{border-color:var(--ink)}
.related ul{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.6rem 1.4rem}
.related li{margin:0}
.related a{display:flex;align-items:center;min-height:44px;font-weight:500}
@media (max-width:700px){.related ul{grid-template-columns:minmax(0,1fr)}}
.author{display:flex;gap:1rem;align-items:flex-start;margin-top:1.4rem;padding-top:1.4rem;border-top:1px solid var(--line)}
.initials{width:52px;height:52px;border-radius:50%;background:var(--ink);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-weight:600;flex:0 0 auto;letter-spacing:.04em}
.initials.sm{width:40px;height:40px;font-size:.85rem}
.author b{color:var(--text);display:block}
.share{display:flex;gap:.5rem;flex-wrap:wrap;margin-top:1rem}
.share a{display:inline-flex;align-items:center;min-height:40px;padding:0 .9rem;border:1px solid var(--line);border-radius:999px;background:var(--card);text-decoration:none;font-size:.88rem;color:var(--text)}
.byline{font-size:.9rem;color:var(--text);margin:0 0 1rem}
.pcards .tile{display:flex;flex-direction:column}
.pcards .tile img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:10px;margin-bottom:.9rem}
.pcards .tile .more{margin-top:auto;font-weight:600;padding-top:.4rem}
.pcards .tile h3 a{text-decoration:none;color:var(--text)}
.statstrip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.6rem;margin-top:1rem;max-width:560px}
.statstrip div{background:rgba(255,255,255,.75);border:1px solid var(--line);border-radius:10px;padding:.5rem .7rem}
.statstrip small{display:block;font-size:.7rem;letter-spacing:.06em;text-transform:uppercase;color:var(--text)}
.statstrip b{color:var(--text);font-weight:600}
dl.gloss dt{font-weight:600;color:var(--text);margin-top:1.2rem;font-size:1.05rem}
dl.gloss dd{margin:.3rem 0 0}
.lender h3{margin-bottom:.4rem}
.lender .meta{font-size:.86rem;color:var(--text);margin-bottom:.6rem}
/* footer */
.footer{margin:0 auto var(--gut)}
.fgrid{display:grid;grid-template-columns:minmax(0,1.5fr) repeat(3,minmax(0,1fr));gap:2rem}
.fcol p.h{font-weight:600;color:var(--text);margin-bottom:.6rem;font-size:.82rem;letter-spacing:.1em;text-transform:uppercase}
.fcol ul{list-style:none;padding:0;margin:0}
.fcol li{margin:0}
.fcol li a{display:flex;align-items:center;min-height:44px;text-decoration:none;color:var(--muted);font-size:.95rem}
.fcol li a:hover{color:var(--ink)}
.fbrand{display:flex;flex-direction:column}
.fbrand .nap2 p{margin:0 0 .3rem;font-size:.92rem}
.fbrand .nap2 a{color:var(--muted)}
.f-end{margin-top:auto;padding-top:1rem}
.f-end .status{font-size:.88rem;color:var(--text);margin-bottom:.6rem}
.fdisc{border-top:1px solid var(--line);margin-top:1.6rem;padding-top:1.2rem;font-size:.82rem;color:var(--muted)}
.fdisc p{margin-bottom:.6rem}
@media (max-width:1020px){.fgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.fgrid{grid-template-columns:minmax(0,1fr)}.f-end{margin-top:0}}
/* scroll to top */
.totop{position:fixed;right:1.4rem;bottom:1.4rem;width:56px;height:56px;border-radius:50%;background:var(--card);border:0;box-shadow:0 8px 24px -10px rgba(0,0,0,.35);cursor:pointer;z-index:2147482000;opacity:0;transform:translateY(12px) scale(.9);transition:opacity .25s,transform .25s,box-shadow .2s;pointer-events:none;padding:0}
.totop.show{opacity:1;transform:none;pointer-events:auto}
.totop:hover{box-shadow:0 12px 28px -10px rgba(0,0,0,.5),0 0 0 6px rgba(201,165,68,.18)}
.totop svg.ring{position:absolute;inset:0;width:56px;height:56px;transform:rotate(-90deg)}
.totop .track{fill:none;stroke:var(--line);stroke-width:3}
.totop .prog{fill:none;stroke:var(--accent);stroke-width:3;stroke-linecap:round;stroke-dasharray:157.08;stroke-dashoffset:157.08;transition:stroke-dashoffset .12s linear}
.totop svg.arr{position:absolute;left:19px;top:19px;width:18px;height:18px;fill:none;stroke:var(--ink);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.totop .pct{position:absolute;bottom:-1.4rem;left:50%;transform:translateX(-50%);font-size:.62rem;font-weight:600;letter-spacing:.08em;color:var(--muted)}
.mbar{display:none}
@media (max-width:600px){
 .totop{display:none}
 .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:2147481000;background:var(--panel);border-top:1px solid var(--line);padding:.6rem 1rem;align-items:center;justify-content:space-between;gap:.8rem;transform:translateY(110%);transition:transform .25s}
 .mbar.show{transform:none}
 .mbar span{font-size:.86rem;color:var(--text);font-weight:500}
 .mbar .btn{min-height:44px;padding:.5rem 1rem}
 body{padding-bottom:72px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.h2s{font-size:clamp(1.35rem,2.2vw,1.6rem);margin-bottom:.6rem}
.bandp{color:#E7EAF1;margin-bottom:1.2rem}
.edgecard h2,.aboutcard h2,.faqgrid h2{margin-bottom:.6rem}

.pcards .tile .tx{display:flex;flex-direction:column;flex:1}
.pcards .tile.wide{grid-column:1/-1}
@media (min-width:701px){.pcards .tile.wide{flex-direction:row;gap:1.6rem;align-items:center}.pcards .tile.wide img{width:56%;margin:0;flex:0 0 56%}.pcards .tile.wide .tx{justify-content:center}.pcards .tile.wide h3{font-size:1.45rem}}

@media (min-width:1141px){section.hero.fb .chips{width:600px;max-width:calc(100vw - 4*var(--pad))}}
@media (min-width:1021px) and (max-width:1140px){.fgrid{grid-template-columns:minmax(0,1.9fr) repeat(3,minmax(0,1fr))}}
.nav .in{background:rgba(248,244,236,.86);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}
@media (min-width:1021px){.band img.edge{right:-17%}.aboutcard>img.edge{right:-19%}}

/* ---- BORROWER REVIEWS (creditbadloans.com-2026-11-15) ---- */
.stars{display:inline-flex;gap:2px;vertical-align:middle}
.stars svg{width:16px;height:16px}
.stars.lg svg{width:22px;height:22px}
.rv-h{display:flex;gap:.7rem;align-items:center}
.rv-n{margin:0;font-weight:600;font-size:.95rem}
.rv-c{margin:0;font-size:.82rem;color:var(--muted)}
.tile.rv{display:flex;flex-direction:column;gap:.6rem}
.tile.rv h3{font-size:1rem}
.rv-t{font-size:.8rem!important;color:var(--muted)!important;margin-top:auto!important}
.sumbar{display:flex;flex-wrap:wrap;align-items:center;gap:1rem 1.4rem;margin-bottom:1.3rem}
.sum-score{display:flex;align-items:center;gap:.8rem}
.sum-score .big{font-size:2.6rem;font-weight:500;letter-spacing:-.03em;color:var(--ink);line-height:1}
.hquote{margin:1rem 0 0;padding:.65rem .9rem;border-left:3px solid var(--ink);background:rgba(255,255,255,.55);border-radius:0 10px 10px 0;max-width:480px;font-size:.9rem}
.hquote p{margin:0;font-style:italic;color:#20252E}
.hquote span{display:block;margin-top:.35rem;font-size:.8rem;color:var(--muted)}
.headrow{display:flex;justify-content:space-between;align-items:flex-end;gap:1rem;flex-wrap:wrap;margin-bottom:1.4rem}
.headrow .blockhead{margin:0}