/* Fast Loan Advance Apply — shared stylesheet */
:root{
  --spruce:#0E3D3F; --spruce-2:#145457; --ink:#1B2A2B; --ink-2:#465757; --muted:#6A7878;
  --chalk:#F6F7F3; --paper:#FFFFFF; --mint:#E4F1D6; --mint-2:#CFE6B6; --line:#E1E6DC;
  --amber:#7DBB42; --amber-2:#6AA534; --amber-wash:#F1F7E8; --red:#B4462F;
  --green:#7DBB42; --green-d:#5E9A2B; --sage:#ECEFDF;
  --r-sm:8px; --r-md:12px; --r-lg:20px;
  --display:"Poppins", "Segoe UI", system-ui, sans-serif;
  --body:"Poppins", "Segoe UI", system-ui, -apple-system, sans-serif;
  --wrap:1200px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;font-family:var(--body);font-size:16px;line-height:1.7;color:var(--ink);background:var(--chalk);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--spruce-2);text-underline-offset:3px}
a:hover{color:var(--spruce)}
h1,h2,h3,h4{font-family:var(--display);line-height:1.2;letter-spacing:-.015em;margin:0 0 .5em;color:var(--ink)}
h2{font-size:clamp(1.7rem,3vw,2.35rem);font-weight:600;color:var(--spruce)}
h3{font-size:1.2rem;font-weight:600}
p{margin:0 0 1em}
:focus-visible{outline:3px solid var(--amber);outline-offset:3px;border-radius:4px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-9999px;top:8px;background:var(--amber);color:var(--ink);padding:10px 16px;z-index:10001;border-radius:8px}
.skip:focus{left:12px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 26px;border-radius:999px;font-family:var(--body);font-weight:700;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .2s,transform .2s,border-color .2s}
.btn-amber{background:var(--amber);color:var(--ink)}
.btn-amber:hover{background:var(--amber-2);color:var(--ink);transform:translateY(-1px)}
.btn-spruce{background:var(--spruce);color:#fff}
.btn-spruce:hover{background:var(--ink);color:#fff}
.btn-ghost{border-color:rgba(255,255,255,.35);color:#fff;background:transparent}
.btn-ghost:hover{border-color:#fff;color:#fff}
.btn-line{border-color:var(--spruce);color:var(--spruce);background:transparent}
.btn-line:hover{background:var(--spruce);color:#fff}

/* Promo bar */
.promo{background:var(--amber);color:var(--ink);font-size:.92rem;font-weight:600;text-align:center;padding:9px 16px}
.promo a{color:var(--ink);font-weight:800}

/* Header */
.site-header{position:sticky;top:0;z-index:10000;background:rgba(4,61,70,.97);backdrop-filter:blur(8px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px;gap:20px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;font-family:var(--display);font-weight:800;font-size:1.25rem;letter-spacing:-.02em}
.logo:hover{color:#fff}
.logo span b{color:var(--amber);font-weight:800}
.menu{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{display:flex;align-items:center;gap:6px;color:#E6F1EE;text-decoration:none;font-weight:600;font-size:.97rem;padding:10px 12px;border-radius:8px;white-space:nowrap;background:none;border:0;cursor:pointer;font-family:var(--body)}
.menu>li>a:hover,.menu>li>button:hover,.menu>li>button[aria-expanded="true"]{background:rgba(255,255,255,.08);color:#fff}
.dropdown{position:absolute;top:calc(100% + 8px);left:0;min-width:270px;background:#fff;border-radius:var(--r-md);box-shadow:0 18px 50px rgba(4,30,35,.22);padding:10px;list-style:none;margin:0;display:none}
.dropdown.open{display:block}
.dropdown a{display:block;padding:10px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem}
.dropdown a small{display:block;color:var(--muted);font-weight:500;font-size:.82rem}
.dropdown a:hover{background:var(--mint)}
.nav-cta{display:flex;align-items:center;gap:10px}
.nav-cta .btn{min-height:46px;padding:0 22px;white-space:nowrap}
@media (max-width:1280px) and (min-width:1021px){.nav-cta .btn-ghost{display:none}}
.burger{display:none;background:none;border:0;color:#fff;width:46px;height:46px;border-radius:8px;cursor:pointer}
@media (max-width:1020px){
  .burger{display:flex;align-items:center;justify-content:center}
  .menu{display:none;position:absolute;top:74px;left:0;right:0;flex-direction:column;align-items:stretch;background:var(--spruce);padding:12px 20px 24px;max-height:calc(100vh - 74px);overflow:auto}
  .menu.open{display:flex}
  .dropdown{position:static;box-shadow:none;background:rgba(255,255,255,.06);margin:4px 0 8px}
  .dropdown a{color:#fff}.dropdown a small{color:#B9D3CD}.dropdown a:hover{background:rgba(255,255,255,.08)}
  .nav-cta .btn-ghost{display:none}
}

/* HERO */
.hero{position:relative;background:var(--spruce);color:#fff;overflow:hidden;padding:72px 0 96px}
.hero::before{content:"";position:absolute;inset:0;background:
  radial-gradient(900px 500px at 85% 20%,rgba(244,183,64,.16),transparent 60%),
  repeating-linear-gradient(115deg,rgba(255,255,255,.035) 0 1px,transparent 1px 64px);pointer-events:none}
.hero-grid{position:relative;display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center}
.hero-kicker{display:inline-flex;align-items:center;gap:10px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);padding:7px 14px 7px 8px;border-radius:999px;font-size:.9rem;font-weight:600;color:#DDEEE8;margin-bottom:22px}
.hero-kicker .dot{width:22px;height:22px;border-radius:50%;background:var(--amber);display:grid;place-items:center;color:var(--ink)}
.hero h1{color:#fff;font-size:clamp(2.4rem,5.2vw,4.1rem);font-weight:800;letter-spacing:-.035em;line-height:1.02;margin-bottom:22px}
.hero h1 .amt{display:block;color:var(--amber)}
.hero-lead{font-size:1.15rem;color:#CFE3DE;max-width:560px;margin-bottom:30px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:30px}
.hero-checks{display:flex;flex-wrap:wrap;gap:10px 22px;list-style:none;padding:0;margin:0;color:#DDEEE8;font-weight:600;font-size:.95rem}
.hero-checks li{display:flex;align-items:center;gap:8px}
.hero-checks svg{color:var(--amber);flex:none}

/* Hero ticket (memorable element) */
.ticket{position:relative;background:#fff;color:var(--ink);border-radius:var(--r-lg);box-shadow:0 30px 80px rgba(0,20,24,.45);overflow:hidden}
.ticket-top{padding:26px 28px 22px}
.ticket-label{display:flex;justify-content:space-between;align-items:center;font-weight:700;color:var(--ink-2);font-size:.95rem;margin-bottom:6px}
.ticket-label .pill{background:var(--mint);color:var(--spruce);font-size:.78rem;padding:4px 10px;border-radius:999px}
.ticket-amount{font-family:var(--display);font-size:3.6rem;font-weight:800;letter-spacing:-.04em;line-height:1;color:var(--spruce);margin:8px 0 16px}
.range{width:100%;-webkit-appearance:none;appearance:none;height:8px;border-radius:99px;background:linear-gradient(90deg,var(--spruce) var(--fill,30%),var(--line) var(--fill,30%));outline-offset:6px}
.range::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;border-radius:50%;background:var(--amber);border:4px solid #fff;box-shadow:0 2px 10px rgba(0,0,0,.25);cursor:pointer}
.range::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--amber);border:4px solid #fff;box-shadow:0 2px 10px rgba(0,0,0,.25);cursor:pointer}
.range-ends{display:flex;justify-content:space-between;font-size:.82rem;color:var(--muted);font-weight:600;margin-top:8px}
.terms{display:flex;gap:8px;margin:18px 0 4px;flex-wrap:wrap}
.terms button{flex:1;min-width:64px;min-height:44px;border:1.5px solid var(--line);background:#fff;border-radius:10px;font-family:var(--body);font-weight:700;color:var(--ink-2);cursor:pointer}
.terms button[aria-pressed="true"]{border-color:var(--spruce);background:var(--spruce);color:#fff}
.ticket-est{display:flex;justify-content:space-between;align-items:flex-end;margin-top:16px;padding-top:16px;border-top:1px dashed var(--line)}
.ticket-est small{display:block;color:var(--muted);font-weight:600;font-size:.82rem}
.ticket-est strong{font-family:var(--display);font-size:1.7rem;color:var(--ink)}
.ticket-est .est-apr{text-align:right}
.ticket-est .est-apr strong{font-size:1.1rem}
/* perforation */
.ticket-perf{position:relative;height:0;border-top:2px dashed var(--line);margin:0 22px}
.ticket-perf::before,.ticket-perf::after{content:"";position:absolute;top:-14px;width:26px;height:26px;border-radius:50%;background:var(--spruce)}
.ticket-perf::before{left:-36px}.ticket-perf::after{right:-36px}
.ticket-bottom{padding:20px 28px 40px;background:var(--chalk)}
.timeline{list-style:none;margin:0 0 18px;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:8px;position:relative}
.timeline::before{content:"";position:absolute;top:13px;left:12%;right:12%;height:3px;background:linear-gradient(90deg,var(--spruce),var(--amber));border-radius:3px}
.timeline li{position:relative;text-align:center;font-size:.82rem;color:var(--ink-2);font-weight:600;line-height:1.3}
.timeline .n{width:28px;height:28px;border-radius:50%;background:var(--spruce);color:#fff;display:grid;place-items:center;margin:0 auto 8px;font-size:.8rem;font-weight:800;position:relative}
.timeline li:last-child .n{background:var(--amber);color:var(--ink)}
.timeline b{display:block;color:var(--ink);font-size:.9rem}
.ticket .btn{width:100%}
.ticket-note{font-size:.76rem;color:var(--muted);margin:10px 0 0;text-align:center}
.float-chip{position:absolute;background:#fff;color:var(--ink);border-radius:14px;padding:10px 14px;box-shadow:0 14px 34px rgba(0,20,24,.3);font-size:.85rem;font-weight:700;display:flex;align-items:center;gap:10px}
.float-chip .ic{width:32px;height:32px;border-radius:10px;display:grid;place-items:center;background:var(--mint);color:var(--spruce)}
.float-chip small{display:block;color:var(--muted);font-weight:600;font-size:.74rem}
.chip-a{left:-56px;top:-38px}
.chip-b{right:-26px;bottom:-34px}
.hero-card-wrap{position:relative;margin-top:24px}
@media (max-width:980px){.hero-grid{grid-template-columns:1fr}.chip-a{left:-8px;top:-34px}.chip-b{right:8px}}
@media (max-width:520px){.ticket-amount{font-size:2.8rem}.float-chip{display:none}.hero{padding:48px 0 70px}}

/* Form band */
.form-band{background:linear-gradient(180deg,var(--spruce) 0 120px,var(--chalk) 120px);padding:0 0 70px}
.form-card{position:relative;isolation:isolate;z-index:1;background:#fff;border-radius:var(--r-lg);box-shadow:0 20px 60px rgba(4,30,35,.14);max-width:960px;margin:0 auto;overflow:hidden}
.form-head{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px 24px;align-items:center;padding:24px 30px;border-bottom:1px solid var(--line)}
.form-head h2{font-size:1.6rem;margin:0}
.form-head p{margin:0;color:var(--muted);font-weight:600;font-size:.95rem}
.form-body{padding:20px 24px;min-height:420px}
.form-foot{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 26px;padding:16px 24px;background:var(--chalk);font-size:.85rem;font-weight:700;color:var(--ink-2)}
.form-foot span{display:flex;align-items:center;gap:6px}

/* Stats bar */
.stats{display:grid;grid-template-columns:repeat(5,1fr);gap:0;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;margin-top:34px}
.stats div{padding:22px 18px;border-right:1px solid var(--line)}
.stats div:last-child{border-right:0}
.stats strong{display:block;font-family:var(--display);font-size:1.45rem;color:var(--spruce);letter-spacing:-.02em;line-height:1.15}
.stats span{font-size:.88rem;color:var(--muted);font-weight:600}
@media (max-width:900px){.stats{grid-template-columns:repeat(2,1fr)}.stats div{border-bottom:1px solid var(--line)}}

/* Sections */
.sec{padding:88px 0}
.sec-white{background:#fff}
.sec-mint{background:var(--mint)}
.sec-dark{background:var(--ink);color:#DCE8E5}
.sec-dark h2,.sec-dark h3{color:#fff}
.sec-head{max-width:760px;margin-bottom:44px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head p{font-size:1.1rem;color:var(--ink-2)}
.sec-dark .sec-head p{color:#B9CFCA}
.prose{max-width:780px}
.prose p{color:var(--ink-2)}

/* Product grid */
.group-title{display:flex;align-items:center;gap:14px;font-family:var(--display);font-weight:700;font-size:1.15rem;color:var(--spruce);margin:0 0 16px}
.group-title::after{content:"";flex:1;height:1px;background:var(--line)}
.p-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:18px;margin-bottom:40px}
.p-grid.five{grid-template-columns:repeat(5,1fr)}
.p-grid.duo{grid-template-columns:repeat(2,1fr)}
@media (max-width:1100px){.p-grid.five{grid-template-columns:repeat(3,1fr)}}
@media (max-width:760px){.p-grid.five,.p-grid.duo{grid-template-columns:1fr}}
.p-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:24px;display:flex;flex-direction:column;transition:border-color .2s}
.p-card:hover{border-color:var(--spruce-2)}
.p-card .ic{width:46px;height:46px;border-radius:12px;background:var(--mint);color:var(--spruce);display:grid;place-items:center;margin-bottom:16px}
.p-card.debt .ic{background:var(--amber-wash);color:#8A5A00}
.p-card h3{font-size:1.2rem;margin-bottom:6px}
.p-card p{color:var(--ink-2);font-size:.97rem;flex:1}
.p-meta{display:flex;flex-wrap:wrap;gap:2px 10px;justify-content:space-between;font-size:.85rem;font-weight:700;color:var(--spruce);border-top:1px solid var(--line);padding-top:12px;margin-top:6px}
.p-card a.more{font-weight:700;text-decoration:none;margin-top:12px;display:inline-block}

/* Tabs */
.tabs{display:grid;grid-template-columns:280px 1fr;gap:28px;align-items:start}
.tablist{display:flex;flex-direction:column;gap:6px;position:sticky;top:100px}
.tablist button{text-align:left;padding:14px 16px;border-radius:12px;border:1px solid transparent;background:transparent;font-family:var(--body);font-weight:700;font-size:1rem;color:var(--ink-2);cursor:pointer;display:flex;justify-content:space-between;align-items:center;min-height:48px}
.tablist button small{font-weight:600;color:var(--muted);font-size:.8rem}
.tablist button:hover{background:#fff}
.tablist button[aria-selected="true"]{background:var(--spruce);color:#fff}
.tablist button[aria-selected="true"] small{color:var(--amber)}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:36px}
.panel[hidden]{display:none}
.panel h3{font-size:1.75rem}
.panel .lead{font-size:1.07rem;color:var(--ink-2)}
.spec{display:grid;grid-template-columns:repeat(5,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:12px;overflow:hidden;margin:22px 0}
.spec div{background:var(--chalk);padding:14px}
.spec small{display:block;color:var(--muted);font-weight:600;font-size:.78rem}
.spec b{font-size:.98rem;color:var(--ink)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:20px 0}
.two h4{font-size:1.02rem;margin-bottom:10px}
.ticks{list-style:none;padding:0;margin:0}
.ticks li{position:relative;padding-left:28px;margin-bottom:9px;color:var(--ink-2);font-size:.97rem}
.ticks li::before{content:"";position:absolute;left:0;top:6px;width:16px;height:16px;border-radius:50%;background:var(--mint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23043D46' stroke-width='3.5'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/10px no-repeat}
.ticks.warn li::before{background:var(--amber-wash) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%238A5A00' stroke-width='3.5'%3E%3Cpath d='M12 7v6M12 17h.01'/%3E%3C/svg%3E") center/12px no-repeat}
.callout{background:var(--amber-wash);border-left:4px solid var(--amber);border-radius:10px;padding:16px 18px;font-size:.97rem;color:var(--ink);margin:18px 0}
.panel-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
@media (max-width:980px){.tabs{grid-template-columns:1fr}.tablist{position:static;flex-direction:row;overflow-x:auto;padding-bottom:6px}.tablist button{white-space:nowrap}.tablist button small{display:none}.spec{grid-template-columns:repeat(2,1fr)}.two{grid-template-columns:1fr}.panel{padding:24px}}

/* Tables */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-md);background:#fff}
table{width:100%;border-collapse:collapse;font-size:.95rem;min-width:720px}
caption{text-align:left;padding:14px 18px;font-weight:700;color:var(--ink-2);caption-side:bottom;font-size:.85rem}
th,td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--spruce);color:#fff;font-weight:700;font-size:.9rem}
tbody th{font-weight:700;color:var(--ink);background:var(--chalk)}
tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}
td.good{color:var(--spruce);font-weight:700}
td.bad{color:var(--red);font-weight:700}
.tbl-note{font-size:.88rem;color:var(--muted);margin-top:12px}

/* Debt block */
.debt-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.debt-list{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;list-style:none;padding:0;margin:22px 0}
.debt-list li{background:#fff;border-radius:12px;padding:14px 16px;font-weight:700;font-size:.95rem;display:flex;align-items:center;gap:10px}
.debt-list li svg{color:var(--spruce);flex:none}
.merge{background:#fff;border-radius:var(--r-lg);padding:30px}
.merge-row{display:flex;justify-content:space-between;padding:10px 14px;border-radius:10px;background:var(--chalk);margin-bottom:8px;font-weight:600;font-size:.95rem}
.merge-row span:last-child{color:var(--red)}
.merge-arrow{text-align:center;color:var(--spruce);margin:10px 0}
.merge-one{display:flex;justify-content:space-between;padding:16px 18px;border-radius:12px;background:var(--spruce);color:#fff;font-weight:800}
.merge-one span:last-child{color:var(--amber)}
@media (max-width:900px){.debt-grid{grid-template-columns:1fr}}

/* Uses */
.uses{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:14px}
.use{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:20px}
.use h3{font-size:1.05rem;margin:12px 0 4px}
.use p{font-size:.9rem;color:var(--ink-2);margin:0 0 8px}
.use .tag{font-size:.78rem;font-weight:700;color:var(--spruce);background:var(--mint);padding:3px 9px;border-radius:999px;display:inline-block}
.use .ic{color:var(--spruce)}

/* Amount tiers */
.amounts{display:grid;grid-template-columns:repeat(6,1fr);gap:12px}
.amt-card{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.12);border-radius:var(--r-md);padding:22px 16px}
.amt-card strong{display:block;font-family:var(--display);font-size:1.9rem;color:var(--amber);letter-spacing:-.03em}
.amt-card h3{font-size:1rem;color:#fff;margin:6px 0}
.amt-card p{font-size:.85rem;color:#B9CFCA;margin:0}
@media (max-width:1000px){.amounts{grid-template-columns:repeat(3,1fr)}}
@media (max-width:560px){.amounts{grid-template-columns:repeat(2,1fr)}}

/* Credit tiers */
.tiers{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.tier{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:26px;border-top:6px solid var(--spruce)}
.tier.mid{border-top-color:var(--amber)}
.tier.low{border-top-color:var(--red)}
.tier .score{font-family:var(--display);font-size:1.5rem;font-weight:800}
.tier .apr{font-weight:700;color:var(--spruce);margin:4px 0 10px}
.tier p{font-size:.94rem;color:var(--ink-2);margin:0}
@media (max-width:860px){.tiers{grid-template-columns:1fr}}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{background:#fff;border-radius:var(--r-lg);padding:30px;position:relative}
.steps li::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--amber);color:var(--ink);font-family:var(--display);font-weight:800;font-size:1.2rem;margin-bottom:18px}
.steps h3{font-size:1.2rem}
.steps p{color:var(--ink-2);margin:0;font-size:.97rem}
.steps .time{display:inline-block;margin-top:14px;font-size:.82rem;font-weight:700;color:var(--spruce);background:var(--mint);padding:4px 10px;border-radius:999px}
@media (max-width:860px){.steps{grid-template-columns:1fr}}

/* Calculator */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:0;background:#fff;border-radius:var(--r-lg);overflow:hidden;border:1px solid var(--line)}
.calc-in{padding:34px}
.calc-out{background:var(--spruce);color:#fff;padding:34px;display:flex;flex-direction:column;justify-content:center}
.field{margin-bottom:26px}
.field label{display:flex;justify-content:space-between;font-weight:700;margin-bottom:10px}
.field output{font-family:var(--display);color:var(--spruce);font-size:1.2rem}
.calc-out small{color:#B9D3CD;font-weight:600}
.calc-out .big{font-family:var(--display);font-size:3.2rem;font-weight:800;color:var(--amber);line-height:1;margin:6px 0 20px;letter-spacing:-.03em}
.calc-out dl{display:grid;grid-template-columns:1fr auto;gap:8px 16px;margin:0 0 22px;font-size:.95rem}
.calc-out dt{color:#B9D3CD}.calc-out dd{margin:0;font-weight:700;text-align:right}
@media (max-width:860px){.calc{grid-template-columns:1fr}}

/* Requirements */
.req{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.req-box{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px}
@media (max-width:860px){.req{grid-template-columns:1fr}}

/* Scenarios */
.scen{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.scen article{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:26px}
.scen .who{font-weight:800;color:var(--spruce);font-size:.9rem}
.scen h3{font-size:1.12rem;margin:8px 0}
.scen p{font-size:.95rem;color:var(--ink-2)}
.scen .res{display:flex;gap:16px;font-size:.85rem;font-weight:700;border-top:1px solid var(--line);padding-top:12px;margin-top:4px;color:var(--ink)}
@media (max-width:900px){.scen{grid-template-columns:1fr}}

/* Trust */
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.trust div{padding:24px;border-radius:var(--r-md);background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1)}
.trust h3{font-size:1.08rem;margin:12px 0 6px}
.trust p{font-size:.93rem;color:#B9CFCA;margin:0}
.trust svg{color:var(--amber)}
@media (max-width:900px){.trust{grid-template-columns:1fr 1fr}}
@media (max-width:540px){.trust{grid-template-columns:1fr}}

/* FAQ */
.faq{max-width:860px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px}
.faq summary{list-style:none;cursor:pointer;padding:18px 54px 18px 22px;font-weight:700;font-size:1.05rem;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--spruce);font-weight:500}
.faq details[open] summary::after{content:"−"}
.faq .ans{padding:0 22px 18px;color:var(--ink-2)}
.faq .ans p:last-child{margin:0}

/* Author box */
.author{display:flex;gap:18px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:22px;max-width:860px;margin:36px auto 0;font-size:.93rem;color:var(--ink-2)}
.author .av{width:54px;height:54px;border-radius:50%;background:var(--spruce);color:var(--amber);display:grid;place-items:center;font-family:var(--display);font-weight:800;flex:none}
.author strong{color:var(--ink)}

/* CTA */
.cta-band{background:var(--amber);padding:70px 0;position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;border:60px solid rgba(4,61,70,.08)}
.cta-in{position:relative;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-in h2{margin:0 0 6px;font-size:clamp(1.8rem,3vw,2.5rem)}
.cta-in p{margin:0;font-weight:600;color:var(--ink-2)}

/* Footer */
.site-footer{background:var(--ink);color:#A9BFBA;padding:66px 0 30px;font-size:.93rem}
.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;margin-bottom:40px}
.site-footer h3{color:#fff;font-size:1rem;margin-bottom:14px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:8px}
.site-footer a{color:#D4E3DF;text-decoration:none}
.site-footer a:hover{color:var(--amber)}
.disclaimer{border-top:1px solid rgba(255,255,255,.1);padding-top:26px;font-size:.82rem;line-height:1.6;color:#8FA7A1}
.disclaimer p{margin-bottom:10px}
.copy{margin-top:18px;font-size:.85rem}
@media (max-width:900px){.f-grid{grid-template-columns:1fr 1fr}}
@media (max-width:540px){.f-grid{grid-template-columns:1fr}}

/* Breadcrumb (subpages) */
.crumbs{font-size:.88rem;color:var(--muted);padding:14px 0}
.crumbs a{color:var(--spruce-2)}

/* Sticky mobile apply + back to top */
.m-apply{position:fixed;left:12px;right:12px;bottom:12px;z-index:9000;display:none}
.m-apply .btn{width:100%;box-shadow:0 10px 30px rgba(0,0,0,.25)}
.to-top{position:fixed;right:22px;bottom:22px;z-index:9000;width:48px;height:48px;border-radius:50%;background:var(--spruce);color:#fff;border:0;cursor:pointer;display:none;align-items:center;justify-content:center;box-shadow:0 10px 26px rgba(0,0,0,.2)}
.show-ui .to-top{display:flex}
@media (max-width:760px){.show-ui .m-apply{display:block}.show-ui .to-top{display:none}}

@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important;animation:none!important}}
@media (max-width:520px){.nav-cta{display:none}.logo{font-size:1.1rem}}
@media (max-width:640px){.promo-long{display:none}}

/* ===== v2: light layout inspired by reference ===== */
.btn{font-weight:600}
.btn-teal{background:var(--spruce);color:#fff}
.btn-teal:hover{background:#082A2C;color:#fff;transform:translateY(-1px)}
.btn-green{background:var(--green);color:#fff}
.btn-green:hover{background:var(--green-d);color:#fff}
.btn-lg{min-height:56px;padding:0 40px;font-size:1.02rem}
.btn-line{border-color:var(--spruce);color:var(--spruce)}

.promo{background:var(--spruce);color:#E7F1E9;font-weight:500}
.promo a{color:#C7EA9F}

.site-header{background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}
.logo{color:var(--spruce);font-weight:700;font-size:1.2rem}
.logo:hover{color:var(--spruce)}
.logo span b{color:var(--green)}
.menu>li>a,.menu>li>button{color:var(--ink-2);font-weight:500;font-size:.93rem}
.menu>li>a:hover,.menu>li>button:hover,.menu>li>button[aria-expanded="true"]{background:var(--sage);color:var(--spruce)}
.dropdown a{font-weight:600}
.dropdown a:hover{background:var(--sage)}
.burger{color:var(--spruce)}
@media (max-width:1020px){
  .menu{background:#fff;border-bottom:1px solid var(--line);box-shadow:0 20px 40px rgba(0,0,0,.08)}
  .dropdown{background:var(--chalk)}
  .dropdown a{color:var(--ink)}.dropdown a small{color:var(--muted)}.dropdown a:hover{background:var(--sage)}
}

/* Hero */
.hero{background:#fff;color:var(--ink);padding:56px 0 64px}
.hero::before{display:none}
.hero-grid{grid-template-columns:1fr 1fr;gap:48px}
.hero h1{color:var(--spruce);font-size:clamp(2.2rem,4.4vw,3.4rem);font-weight:700;letter-spacing:-.025em;line-height:1.12;margin-bottom:16px}
.hero h1 .g{color:var(--green)}
.hero-lead{color:var(--ink-2);font-size:1.08rem;max-width:540px;margin-bottom:22px}
.hero-checks{flex-direction:column;gap:12px;margin-bottom:30px;color:var(--ink);font-weight:500;font-size:.98rem}
.hero-checks svg{color:var(--green)}
.hero-ssl{display:flex;align-items:center;gap:8px;color:var(--muted);font-size:.85rem;margin:14px 0 0}
.hero-media{position:relative;max-width:440px;margin-left:auto;width:100%}
.hero-media::before{content:"";position:absolute;inset:8% -4% -4% 10%;background:linear-gradient(160deg,var(--mint),#F3F8EC);border-radius:260px 260px 32px 32px;z-index:0}
.hero-arch{position:relative;z-index:1;border-radius:240px 240px 28px 28px;overflow:hidden;aspect-ratio:5/6;background:var(--mint)}
.hero-arch img{width:100%;height:100%;object-fit:cover;object-position:center 30%}
.hero-badge{position:absolute;z-index:2;background:#fff;border-radius:14px;box-shadow:0 16px 40px rgba(14,61,63,.16);padding:12px 16px;font-size:.85rem;line-height:1.35}
.hero-badge small{display:block;color:var(--muted);font-size:.76rem}
.hb-approved{left:-34px;top:34%;display:flex;gap:12px;align-items:center;background:var(--green);color:#fff}
.hb-approved small{color:#EAF6DD}
.hb-ic{width:34px;height:34px;border-radius:50%;background:rgba(255,255,255,.25);display:grid;place-items:center}
.hb-range{right:-18px;bottom:12%}
.hb-range b{color:var(--spruce);font-size:1rem}
@media (max-width:980px){.hero-grid{grid-template-columns:1fr}.hero-media{margin:20px auto 0;max-width:420px}.hb-approved{left:-6px}.hb-range{right:-6px}}
@media (max-width:520px){.hb-approved{left:4px;top:auto;bottom:24%}.hb-range{right:4px;bottom:4%}}

/* Form band */
.form-band{background:linear-gradient(180deg,#fff 0 80px,var(--chalk) 80px);padding:0 0 64px}
.form-card{box-shadow:0 18px 50px rgba(14,61,63,.10);border:1px solid var(--line)}
.form-head h2{font-size:1.4rem}
.form-foot{color:var(--ink-2);font-weight:600}
.form-foot svg{color:var(--green)}
.stats strong{color:var(--spruce);font-size:1.25rem;font-weight:600}

/* Sections */
.sec{padding:80px 0}
.sec-sage{background:var(--sage)}
.sec-mint{background:var(--chalk)}
.sec-dark{background:var(--spruce);color:#DCE8E3}
.sec-dark h2{color:#fff}
.sec-head p{font-size:1.02rem}

/* Product cards (centered, reference style) */
.group-title{font-size:1rem;font-weight:600;color:var(--spruce)}
.p-card{text-align:center;align-items:center;border:0;border-radius:var(--r-md);box-shadow:0 2px 0 rgba(14,61,63,.04)}
.p-card:hover{box-shadow:0 14px 34px rgba(14,61,63,.12)}
.p-card .ic{width:64px;height:64px;border-radius:50%;background:var(--mint);color:var(--spruce)}
.p-card.debt .ic{background:#E4EEEE;color:var(--spruce)}
.p-card h3{font-size:1.05rem;color:var(--spruce)}
.p-card p{font-size:.9rem}
.p-meta{width:100%;justify-content:center;gap:4px 14px;color:var(--green-d)}
.p-grid.duo{max-width:620px;margin-left:auto;margin-right:auto}

/* Tabs */
.tablist button{font-weight:600;font-size:.95rem}
.tablist button[aria-selected="true"]{background:var(--spruce)}
.tablist button[aria-selected="true"] small{color:#C7EA9F}
.panel h3{font-size:1.5rem;color:var(--spruce)}
.spec b{font-weight:600}
.callout{background:var(--amber-wash);border-left-color:var(--green)}

/* Tables */
thead th{background:var(--spruce);font-weight:600}
td.good{color:var(--green-d)}

/* Debt */
.debt-media{position:relative}
.debt-photo{width:100%;aspect-ratio:3/2;object-fit:cover;border-radius:var(--r-lg)}
.debt-media .merge{position:relative;margin:-90px 24px 0;box-shadow:0 18px 44px rgba(14,61,63,.14)}
.debt-list li svg{color:var(--green-d)}
.merge-one span:last-child{color:#C7EA9F}

/* Uses */
.use{border:0;box-shadow:0 1px 0 var(--line)}
.use .ic{color:var(--green-d)}
.use .tag{background:var(--mint);color:var(--spruce)}

/* Amounts */
.amt-card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14)}
.amt-card strong{color:#C7EA9F;font-weight:700}

/* Tiers */
.tier{border-top-color:var(--green)}
.tier.mid{border-top-color:#E4B23E}
.tier .score{font-weight:700;color:var(--spruce);font-size:1.35rem}

/* How it works with photo */
.how-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:44px;align-items:center}
.how-photo{margin:0}
.how-photo img{width:100%;aspect-ratio:4/3.4;object-fit:cover;border-radius:var(--r-lg)}
.steps{grid-template-columns:1fr;gap:16px}
.steps li{display:flex;gap:18px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:22px 24px;box-shadow:0 10px 30px rgba(14,61,63,.06)}
.steps li::before{display:none}
.steps li:nth-child(2){margin-left:32px}
.steps .num{font-size:2.2rem;font-weight:700;color:var(--green);line-height:1}
.steps h3{font-size:1.1rem;color:var(--spruce);margin-bottom:4px}
@media (max-width:900px){.how-grid{grid-template-columns:1fr}.steps li:nth-child(2){margin-left:0}}

/* Credit check split */
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:center}
.split-photo{margin:0}
.split-photo img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:var(--r-lg)}
@media (max-width:900px){.split{grid-template-columns:1fr}}

/* Calculator */
.calc-out .big{color:#C7EA9F;font-weight:700}
.field output{color:var(--spruce);font-weight:600}
.range{background:linear-gradient(90deg,var(--green) var(--fill,30%),var(--line) var(--fill,30%))}
.range::-webkit-slider-thumb{background:var(--spruce)}
.range::-moz-range-thumb{background:var(--spruce)}

/* Scenarios / trust */
.scen article{border:0}
.scen .who{color:var(--green-d)}
.trust svg{color:#C7EA9F}
.trust p{color:#C6D8D2}

/* FAQ */
.faq summary{font-weight:600;color:var(--spruce)}
.faq summary::after{color:var(--green-d)}
.author .av{color:#C7EA9F;font-weight:700}

/* CTA split with phone */
.cta-split{background:var(--sage);padding:84px 0;overflow:hidden}
.cta-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.cta-split h2{font-size:clamp(1.7rem,3vw,2.4rem);font-weight:700;color:var(--spruce);margin-bottom:12px}
.cta-split p{color:var(--ink-2);margin-bottom:26px}
.phone-wrap{position:relative;max-width:300px;margin:0 auto;width:100%}
.phone{background:#fff;border:10px solid #1E2A2B;border-radius:38px;padding:24px 18px 22px;box-shadow:0 30px 60px rgba(14,61,63,.2);font-size:.84rem}
.ph-head{font-weight:600;color:var(--spruce);margin-bottom:14px;text-align:center}
.ph-steps{display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.ph-steps span{width:24px;height:24px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;font-size:.72rem;font-weight:700}
.ph-steps i{width:46px;height:3px;background:var(--green)}
.ph-approved{display:flex;align-items:center;gap:8px;background:var(--spruce);color:#fff;border-radius:10px;padding:10px 12px;font-weight:600;margin-bottom:12px}
.ph-row{display:flex;justify-content:space-between;padding:9px 2px;border-bottom:1px solid var(--line);color:var(--ink-2)}
.ph-row b{color:var(--ink);font-weight:600}
.ph-btn{margin-top:16px;background:var(--green);color:#fff;text-align:center;border-radius:999px;padding:11px;font-weight:600}
.ph-chip{position:absolute;left:-170px;top:30%;background:#fff;border-radius:14px;padding:12px 16px;box-shadow:0 16px 40px rgba(14,61,63,.16);font-size:.8rem;max-width:190px;line-height:1.35}
.ph-chip b{display:block;color:var(--spruce);font-size:1.15rem}
.ph-chip small{color:var(--muted)}
.ph-safe{position:absolute;left:-120px;bottom:10%;display:flex;align-items:center;gap:6px;background:#F7F1C9;color:#5C5214;border-radius:999px;padding:7px 14px;font-size:.78rem;font-weight:600}
@media (max-width:900px){.cta-grid{grid-template-columns:1fr}.ph-chip,.ph-safe{display:none}}
@media (max-width:420px){.ph-chip{display:none}}

/* Footer */
.site-footer{background:#0B2F31}
.site-footer a:hover{color:#C7EA9F}
.logo-foot{color:#fff}
.site-footer .logo{color:#fff}

.m-apply .btn{box-shadow:0 10px 30px rgba(14,61,63,.3)}
.to-top{background:var(--green)}
:focus-visible{outline-color:var(--green)}

.group-title{justify-content:center}.group-title::after{display:none}
.debt-photo,.how-photo img,.split-photo img{height:auto}

/* Loan picker (reference-style cards) */
.loan-picker{padding:88px 0 96px}
.loan-picker .sec-head{margin-bottom:48px}
.loan-picker h2{color:#333F48;font-weight:600}
.loan-picker .sec-head p{color:#3E4A52;font-size:1rem}
.lc-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(7,1fr);gap:16px}
.lc{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:18px;height:100%;min-height:196px;padding:28px 12px 30px;background:#fff;border-radius:10px;text-decoration:none;text-align:center;border:1px solid transparent;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.lc:hover{transform:translateY(-4px);box-shadow:0 18px 36px rgba(31,107,69,.13);border-color:#D6E6C6}
.lc:focus-visible{outline:3px solid var(--green);outline-offset:3px}
.lc-ic{position:relative;width:84px;height:76px;display:grid;place-items:center}
.lc-ic::before{content:"";position:absolute;inset:0;background:#ECEDEA;border-radius:58% 42% 50% 50%/55% 48% 52% 45%;transition:background .2s}
.lc:hover .lc-ic::before{background:#E2EFD5}
.lc-ic svg{position:relative;width:56px;height:56px}
.lc-name{font-weight:600;font-size:1rem;line-height:1.35;color:#3A4650}
.lc:hover .lc-name{color:var(--spruce)}
@media (max-width:1180px){.lc-grid{grid-template-columns:repeat(4,1fr)}}
@media (max-width:760px){.lc-grid{grid-template-columns:repeat(2,1fr);gap:12px}.lc{min-height:170px}}
@media (prefers-reduced-motion:reduce){.lc:hover{transform:none}}
.loan-picker .sec-head{max-width:980px}
.loan-picker h2{font-size:clamp(1.7rem,2.7vw,2.15rem)}
.lc-ic{width:96px;height:86px}
.lc-ic svg{width:62px;height:62px}
.lc-name{font-weight:500;color:#333F48}
@media (max-width:760px){.lc-grid li:last-child{grid-column:1/-1}.lc-grid li:last-child .lc{flex-direction:row;min-height:0;padding:20px;gap:18px}}

/* Calculator type chips */
.calc-types{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px}
.calc-types button{min-height:44px;padding:0 18px;border-radius:999px;border:1.5px solid var(--line);background:#fff;font-family:var(--body);font-weight:600;font-size:.9rem;color:var(--ink-2);cursor:pointer;transition:background .2s,border-color .2s,color .2s}
.calc-types button:hover{border-color:var(--green)}
.calc-types button[aria-pressed="true"]{background:var(--spruce);border-color:var(--spruce);color:#fff}
.calc .range-ends{display:flex;justify-content:space-between;font-size:.8rem;color:var(--muted);font-weight:500;margin-top:6px}
.calc-more{display:block;margin-top:14px;color:#C7EA9F;font-size:.88rem;font-weight:500;text-align:center}
.calc-more:hover{color:#fff}
.calc-out .btn{width:100%}

/* States */
.states-wrap{display:grid;grid-template-columns:1.6fr 1fr;gap:36px;align-items:start}
.state-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.state-list li{background:var(--chalk);border:1px solid var(--line);border-radius:8px;padding:9px 12px;font-size:.88rem;font-weight:500;color:var(--ink);display:flex;align-items:center;gap:8px}
.state-list li::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--green);flex:none}
.state-notes{background:var(--sage);border-radius:var(--r-lg);padding:28px;position:sticky;top:100px}
.state-notes h3{color:var(--spruce);font-size:1.15rem}
.state-notes .ticks li{font-size:.93rem}
.state-notes p{font-size:.93rem;color:var(--ink-2);margin:14px 0 18px}
@media (max-width:1000px){.states-wrap{grid-template-columns:1fr}.state-notes{position:static}.state-list{grid-template-columns:repeat(3,1fr)}}
@media (max-width:560px){.state-list{grid-template-columns:repeat(2,1fr)}}

/* E-E-A-T strip */
.hero-reviewed{display:flex;align-items:center;gap:8px;color:var(--ink-2);font-size:.85rem;margin:6px 0 0}
.hero-reviewed svg{color:var(--green)}
.hero-reviewed a{color:var(--spruce);font-weight:600}

/* Reviews */
.rv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.rv{background:var(--chalk);border-radius:var(--r-md);padding:26px;border-top:4px solid var(--green)}
.rv-neg{border-top-color:#E4B23E}
.rv-tag{display:inline-block;font-size:.76rem;font-weight:600;color:var(--green-d);background:var(--mint);padding:3px 10px;border-radius:999px;margin-bottom:12px}
.rv-neg .rv-tag{color:#7A5A0B;background:#FBF0D3}
.rv h3{font-size:1.06rem;color:var(--spruce);margin-bottom:6px}
.rv p{font-size:.93rem;color:var(--ink-2);margin:0}
.rv-share{background:var(--spruce);border-top-color:var(--spruce);color:#DDE9E4}
.rv-share h3{color:#fff}.rv-share p{color:#C6D8D2;margin-bottom:16px}
.rv-share .btn{background:var(--green)}
@media (max-width:900px){.rv-grid{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.rv-grid{grid-template-columns:1fr}}

/* Editorial team */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.team-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;text-align:center}
.team-photo{width:96px;height:96px;border-radius:50%;margin:0 auto 18px;background:var(--mint);color:var(--spruce);display:grid;place-items:center;overflow:hidden;box-shadow:0 0 0 6px #fff,0 0 0 7px var(--line)}
.team-photo img{width:100%;height:100%;object-fit:cover}
.team-card h3{color:var(--spruce);margin-bottom:2px;font-size:1.12rem}
.team-role{color:var(--green-d);font-weight:600;font-size:.88rem;margin-bottom:12px}
.team-card>p:not(.team-role){font-size:.93rem;color:var(--ink-2)}
.team-tags{list-style:none;padding:0;margin:14px 0 0;display:flex;flex-wrap:wrap;justify-content:center;gap:6px}
.team-tags li{font-size:.75rem;font-weight:500;background:var(--chalk);border:1px solid var(--line);border-radius:999px;padding:3px 10px;color:var(--ink-2)}
.process{list-style:none;counter-reset:p;padding:0;margin:32px 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:0;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden}
.process li{counter-increment:p;padding:20px 22px;border-right:1px solid var(--line);font-size:.88rem;color:var(--ink-2)}
.process li:last-child{border-right:0}
.process b{display:block;color:var(--spruce);font-size:1rem;margin-bottom:4px}
.process b::before{content:counter(p) ". ";color:var(--green)}
.team-links{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 28px;margin:26px 0 0;font-weight:600;font-size:.93rem}
.team-links a{color:var(--spruce)}
@media (max-width:900px){.team-grid{grid-template-columns:1fr}.process{grid-template-columns:1fr 1fr}.process li:nth-child(2){border-right:0}.process li:nth-child(-n+2){border-bottom:1px solid var(--line)}}
@media (max-width:520px){.process{grid-template-columns:1fr}.process li{border-right:0;border-bottom:1px solid var(--line)}}
.sec-more{text-align:center;margin-top:22px;font-weight:600}.sec-more a{color:var(--spruce)}

/* ===== Sticky Apply Now (mobile) & Back to top (tablet/desktop) ===== */
.m-apply{display:none!important}
.sticky-apply{position:fixed;left:16px;right:16px;bottom:calc(14px + env(safe-area-inset-bottom,0px));z-index:9000;display:none;align-items:center;justify-content:center;height:58px;border-radius:999px;background:var(--spruce);color:#fff;text-decoration:none;font-weight:600;font-size:1.05rem;letter-spacing:.01em;box-shadow:0 14px 34px rgba(14,61,63,.38),0 0 0 4px rgba(255,255,255,.9);transform:translateY(160%);opacity:0;transition:transform .35s cubic-bezier(.2,.8,.2,1),opacity .25s ease}
.sticky-apply:hover,.sticky-apply:focus-visible{color:#fff;background:#082A2C}
.sticky-apply .sa-ic{position:absolute;right:7px;top:7px;width:44px;height:44px;border-radius:50%;background:var(--green);display:grid;place-items:center;color:#fff;transition:transform .2s}
.sticky-apply:active .sa-ic{transform:translateX(3px)}
.sticky-apply .sa-txt{padding-right:20px}
@media (max-width:760px){
  .sticky-apply{display:flex}
  .show-ui .sticky-apply{transform:translateY(0);opacity:1}
  .show-ui.form-in-view .sticky-apply{transform:translateY(160%);opacity:0;pointer-events:none}
  .show-ui .site-footer{padding-bottom:96px}
  .to-top{display:none!important}
}
.to-top{position:fixed;right:26px;bottom:26px;z-index:9000;width:52px;height:52px;border-radius:50%;border:0;padding:0;background:#fff;color:var(--spruce);cursor:pointer;display:grid;place-items:center;box-shadow:0 10px 28px rgba(14,61,63,.22);opacity:0;visibility:hidden;transform:translateY(16px) scale(.9);transition:opacity .25s,transform .3s cubic-bezier(.2,.8,.2,1),visibility .25s,background .2s,color .2s}
.show-ui .to-top{opacity:1;visibility:visible;transform:none}
.to-top:hover,.to-top:focus-visible{background:var(--spruce);color:#fff}
.tt-ring{position:absolute;inset:0;width:52px;height:52px;transform:rotate(-90deg)}
.tt-bg{fill:none;stroke:var(--line);stroke-width:3}
.tt-fg{fill:none;stroke:var(--green);stroke-width:3;stroke-linecap:round;transition:stroke-dashoffset .1s linear}
.tt-arrow{position:relative}
@media (prefers-reduced-motion:reduce){.sticky-apply,.to-top{transition:opacity .2s}}

/* ===== Wordmark B: Stacked ===== */
.logo{gap:0;text-decoration:none}
.wm{display:inline-flex;flex-direction:column;align-items:flex-start;line-height:1;font-family:var(--display)}
.wm-top{font-weight:800;font-size:1.42rem;letter-spacing:-.03em;color:var(--spruce)}
.wm-sub{font-weight:600;font-size:.78rem;letter-spacing:.56em;margin-right:-.56em;text-transform:uppercase;color:var(--green-d);margin-top:4px}
.logo:hover .wm-top{color:var(--spruce)}
.site-footer .wm-top{color:#fff}
.site-footer .wm-sub{color:#9FD36A}
@media (max-width:520px){.wm-top{font-size:1.28rem}.wm-sub{font-size:.7rem}}

/* ===== v11 index restructure ===== */
.what-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:48px;align-items:center}
.what-def{font-size:1.12rem;color:var(--ink);border-left:4px solid var(--green);padding-left:18px;border-radius:0}
.what-grid p{color:var(--ink-2)}
.glance{margin:0;background:var(--sage);border-radius:var(--r-lg);padding:8px 24px}
.glance div{display:flex;justify-content:space-between;gap:16px;padding:13px 0;border-bottom:1px solid rgba(14,61,63,.1)}
.glance div:last-child{border-bottom:0}
.glance dt{color:var(--ink-2);font-size:.93rem}
.glance dd{margin:0;font-weight:600;color:var(--spruce)}
.rate-sub{margin-top:44px}
.rate-sub h3{color:var(--spruce);font-size:1.25rem;margin-bottom:16px}
.amt-row{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(6,1fr);gap:12px}
.amt-row li{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:16px;display:flex;flex-direction:column;gap:2px}
.amt-row b{font-size:1.45rem;color:var(--green-d);font-weight:700;line-height:1.2}
.amt-row span{font-size:.85rem;font-weight:600;color:var(--spruce)}
.amt-row small{font-size:.8rem;color:var(--muted)}
.team-why{margin-top:40px}
.team-why>h3{text-align:center;color:var(--spruce);font-size:1.25rem;margin-bottom:18px}
.team-why .trust div{background:#fff;border:1px solid var(--line)}
.team-why .trust h4{color:var(--spruce);font-size:1.08rem;margin:12px 0 6px}
.team-why .trust p{color:var(--ink-2)}
.team-why .trust svg{color:var(--green-d)}
.resp-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.resp-grid div{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--r-md);padding:24px;border-top:4px solid #9FD36A}
.resp-grid h3{color:#fff;font-size:1.05rem}
.resp-grid p{color:#C6D8D2;font-size:.92rem;margin:0}
.resp-grid a{color:#C7EA9F}
@media (max-width:1000px){.amt-row{grid-template-columns:repeat(3,1fr)}.resp-grid{grid-template-columns:1fr 1fr}}
@media (max-width:860px){.what-grid{grid-template-columns:1fr}}
@media (max-width:560px){.amt-row{grid-template-columns:1fr 1fr}.resp-grid{grid-template-columns:1fr}}

/* ===== Borrower reviews ===== */
.bv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:28px}
.bv-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px 22px;display:flex;flex-direction:column;gap:14px;transition:box-shadow .2s}
.bv-card:hover{box-shadow:0 12px 32px rgba(14,61,63,.10)}
.bv-head{display:flex;align-items:flex-start;gap:14px}
.bv-av{width:48px;height:48px;border-radius:50%;background:var(--spruce);color:#fff;display:grid;place-items:center;font-family:var(--display);font-weight:700;font-size:1.35rem;flex:none}
.bv-who{flex:1}
.bv-who strong{display:block;color:var(--spruce);font-size:.97rem}
.bv-loc{font-size:.8rem;color:var(--muted)}
.rv-stars{display:flex;gap:2px;margin-top:6px}
.bv-q{margin:0;font-size:.97rem;color:var(--ink-2);line-height:1.6;border:0;padding:0;font-style:italic}
.bv-cta{display:flex;flex-wrap:wrap;gap:14px 28px;justify-content:space-between;align-items:center;background:var(--spruce);border-radius:var(--r-lg);padding:26px 30px;margin-top:4px}
.bv-cta-text h3{color:#fff;font-size:1.1rem;margin:0 0 4px}.bv-cta-text p{color:#C6D8D2;margin:0;font-size:.93rem}
.bv-disc{font-size:.8rem;color:var(--muted);margin:18px 0 14px;line-height:1.55}
.bv-themes>summary{color:var(--spruce);font-weight:600;font-size:.93rem;cursor:pointer;padding:10px 0;border-top:1px dashed var(--line);list-style:none}
.bv-themes>summary::before{content:"▸ "}
.bv-themes[open]>summary::before{content:"▾ "}
.bv-themes::-webkit-details-marker{display:none}
.bv-themes h4{font-size:1rem!important}
@media (max-width:900px){.bv-grid{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.bv-grid{grid-template-columns:1fr}.bv-cta{flex-direction:column;align-items:flex-start}}