:root{
  --bg:#FAF8F4;          /* warm paper */
  --bg-alt:#F1ECE2;      /* alternating band */
  --panel:#FFFFFF;       /* cards */
  --ink:#1F232B;         /* headings */
  --body:#565C66;        /* body copy */
  --muted:#7B818B;       /* small print */
  --gold:#A8761F;        /* accent text (contrast-safe on light) */
  --gold-br:#D8A44D;     /* bright gold for fills */
  --gold-lt:#E9C179;
  --dark:#22262E;        /* footer + dark blocks */
  --line:rgba(31,35,43,.13);
  --line-dk:rgba(255,255,255,.12);
  --ph:linear-gradient(140deg,#E4DDD0,#D3CCBE); /* image fallback */
  --maxw:1220px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  background:var(--bg);color:var(--body);
  font-family:'Inter',system-ui,sans-serif;
  font-size:15px;line-height:1.75;-webkit-font-smoothing:antialiased;overflow-x:hidden;
}
h1,h2,h3,h4{font-family:'Poppins',sans-serif;font-weight:500;line-height:1.24;letter-spacing:-.005em;color:var(--ink)}
a{color:inherit;text-decoration:none}
svg{display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}

/* ---------- image slots ---------- */
.imgbox{position:relative;overflow:hidden;background:var(--ph)}
.imgbox>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block}
.scrim{position:absolute;inset:0;z-index:1}
/* tiles: icon top, label bottom -> keep the top and middle of the photo clear */
.scrim-tile{background:linear-gradient(180deg,rgba(20,23,29,.16) 0%,rgba(20,23,29,0) 32%,rgba(20,23,29,0) 50%,rgba(20,23,29,.46) 76%,rgba(20,23,29,.88) 100%)}
.scrim-light{background:radial-gradient(62% 52% at 50% 46%, rgba(250,248,244,.90), rgba(250,248,244,.30) 78%),linear-gradient(180deg,rgba(250,248,244,.80) 0%,rgba(250,248,244,.52) 44%,rgba(250,248,244,.93) 100%)}
.scrim-cta{background:linear-gradient(180deg,rgba(20,23,29,.58),rgba(20,23,29,.72))}

/* ---------- shared bits ---------- */
.eyebrow{
  display:inline-block;font-family:'Inter',sans-serif;font-size:11px;font-weight:600;
  letter-spacing:.26em;text-transform:uppercase;color:var(--gold);margin-bottom:16px;
}
.on-dark .eyebrow{color:var(--gold-lt)}
.on-dark,.on-dark h2,.on-dark h3{color:#fff}
.on-dark p{color:rgba(255,255,255,.80)}
.sec-title{font-size:clamp(27px,3.4vw,40px);font-weight:500}
.sec-sub{color:var(--body);font-size:15px;max-width:560px;margin-top:16px}
.center{text-align:center}
.center .sec-sub{margin-left:auto;margin-right:auto}

.btn{
  display:inline-flex;align-items:center;gap:10px;cursor:pointer;border:none;
  font-family:'Inter',sans-serif;font-size:11.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;
  padding:15px 30px;border-radius:100px;transition:.25s ease;white-space:nowrap;
}
.btn-gold{background:var(--gold-br);color:#22262E}
.btn-gold:hover{background:var(--gold-lt);transform:translateY(-2px);box-shadow:0 12px 26px rgba(176,118,31,.28)}
.btn-ink{background:var(--ink);color:#fff}
.btn-ink:hover{background:#31363F;transform:translateY(-2px);box-shadow:0 12px 26px rgba(31,35,43,.24)}
.btn-white{background:#fff;color:#22262E}
.btn-white:hover{background:var(--gold-br);transform:translateY(-2px)}
.btn .arw{width:13px;height:13px;flex:none;transition:transform .25s ease}
.btn:hover .arw{transform:translateX(4px)}
/* inline links inside body copy */
.ilink{color:var(--gold);text-decoration:underline;text-decoration-color:rgba(216,164,77,.42);text-underline-offset:3px;transition:.2s}
.ilink:hover{text-decoration-color:var(--gold)}
.on-dark .ilink,.pr-best .ilink,.cx .ilink{color:var(--gold-br);text-decoration-color:rgba(216,164,77,.5)}
.on-dark .ilink:hover,.pr-best .ilink:hover,.cx .ilink:hover{text-decoration-color:var(--gold-br)}
/* "see more" line under a section */
.seemore{display:inline-flex;align-items:center;gap:8px;font-size:12.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);transition:.2s}
.seemore svg{width:13px;height:13px;transition:transform .22s}
.seemore:hover svg{transform:translateX(3px)}
.seemore-wrap{display:flex;justify-content:center;margin-top:38px}
.more{
  font-size:11px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);
  display:inline-flex;align-items:center;gap:8px;
}
.more::after{content:"";width:16px;height:1px;background:currentColor;transition:width .25s}
.more:hover::after{width:26px}
.more-lt{color:var(--gold-lt)}

/* ---------- nav ---------- */
.nav-outer{position:absolute;top:0;left:0;right:0;z-index:60;background:var(--bg);border-bottom:1px solid var(--line)}
.nav-outer.stuck{position:fixed;top:0;background:var(--bg);box-shadow:0 4px 24px rgba(31,35,43,.07)}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px}
.logo{display:inline-block;font-family:'Poppins';font-weight:700;font-size:25px;letter-spacing:.13em;text-transform:uppercase;color:var(--ink);line-height:1}

.nav-menu{display:flex;align-items:center;gap:30px}
.nav-link{
  font-family:'Inter';font-size:11.5px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;
  color:var(--ink);position:relative;padding:6px 0;transition:color .2s;
  background:none;border:none;cursor:pointer;display:inline-flex;align-items:center;gap:6px;
}
.nav-link::after{content:"";position:absolute;left:0;bottom:0;height:1.5px;width:0;background:var(--gold);transition:width .25s}
.nav-link:hover{color:var(--gold)}
.nav-link:hover::after{width:100%}
.chev{width:9px;height:9px;flex:none;transition:transform .25s}

/* ---- dropdown ---- */
.nav-item{position:relative}
.nav-item:hover .chev,.nav-item.open .chev{transform:rotate(180deg)}
.nav-drop{
  position:absolute;top:calc(100% + 16px);left:-20px;min-width:300px;z-index:60;
  background:#fff;border:1px solid var(--line);border-radius:14px;padding:10px;
  box-shadow:0 22px 48px rgba(31,35,43,.15);
  opacity:0;visibility:hidden;transform:translateY(10px);
  transition:opacity .22s ease, transform .22s ease, visibility .22s;
}
/* invisible bridge so the cursor can travel from the trigger to the panel */
.nav-drop::before{content:"";position:absolute;left:0;right:0;top:-18px;height:18px}
.nav-item:hover .nav-drop,.nav-item.open .nav-drop{opacity:1;visibility:visible;transform:none}
.nav-drop a{
  display:block;padding:11px 14px;border-radius:9px;
  font-size:14px;letter-spacing:0;text-transform:none;font-weight:400;
  color:var(--body);transition:background .18s;
}
.nav-drop a::after{display:none}
.nav-drop a:hover{background:var(--bg-alt)}
.nav-drop b{display:block;font-family:'Poppins';font-size:14.5px;font-weight:600;color:var(--ink);margin-bottom:2px}
.nav-drop small{display:block;font-size:12.5px;color:var(--muted)}
.nav-sep{height:1px;background:var(--line);margin:8px 12px}
.nav-drop .foot{display:flex;align-items:center;gap:7px;font-size:12.5px;font-weight:600;color:var(--gold)}
.nav-drop .foot svg{width:12px;height:12px}

.nav-right{display:flex;align-items:center;gap:14px}
.nav-cta{padding:13px 24px;font-size:10.5px;letter-spacing:.14em}
.nav-cta .arw{width:12px;height:12px}
.burger,.nav-close,.nav-cta-mob{display:none}
.burger,.nav-close{background:none;border:none;color:var(--ink);cursor:pointer;padding:4px}
.nav-scrim{position:fixed;inset:0;background:rgba(20,23,29,.45);opacity:0;visibility:hidden;transition:.28s ease;z-index:55}
.nav-scrim.on{opacity:1;visibility:visible}

/* ---------- floating helpers: mobile bar + back to top ---------- */
/* both stay hidden while any part of the hero is on screen */
.mbar{
  position:fixed;left:0;right:0;bottom:0;z-index:50;display:none;
  background:rgba(250,248,244,.97);backdrop-filter:blur(10px);
  border-top:1px solid var(--line);box-shadow:0 -8px 26px rgba(31,35,43,.10);
  padding:11px 18px calc(11px + env(safe-area-inset-bottom));
  transform:translateY(110%);transition:transform .32s cubic-bezier(.4,0,.2,1);
}
.mbar.on{transform:none}
.mbar-in{display:flex;align-items:center;gap:14px;max-width:520px;margin:0 auto}
.mbar-txt{line-height:1.25;flex:1;min-width:0}
.mbar-txt b{display:block;font-family:'Poppins';font-size:16px;font-weight:600;color:var(--ink)}
.mbar-txt span{display:block;font-size:11.5px;color:var(--muted);margin-top:2px}
.mbar-cta{flex:none;padding:14px 22px;font-size:10.5px;letter-spacing:.12em}
.mbar-cta .arw{width:12px;height:12px}

.totop{
  position:fixed;right:28px;bottom:28px;z-index:50;
  width:48px;height:48px;border-radius:50%;border:1px solid var(--line);
  background:#fff;color:var(--gold);cursor:pointer;
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 8px 24px rgba(31,35,43,.14);
  opacity:0;visibility:hidden;transform:translateY(12px);
  transition:opacity .28s ease, transform .28s ease, visibility .28s, background .2s, color .2s;
}
.totop.on{opacity:1;visibility:visible;transform:none}
.totop:hover{background:var(--gold-br);color:#fff;border-color:var(--gold-br)}
.totop svg{width:20px;height:20px}

/* phones get the sticky bar; tablets and desktops get back-to-top */
@media(max-width:640px){
  .mbar{display:block}
  .totop{display:none}
}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:var(--bg);padding:0}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:78% center;z-index:0}
.hero-in{position:relative;z-index:2;min-height:600px;display:flex;flex-direction:column;justify-content:center}
.hero .hero-in{padding-top:126px;padding-bottom:0}
.hero-copy{max-width:730px}
.hero-eyebrow{
  display:block;font-size:13px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;
  color:var(--gold);margin-bottom:20px;
}
.hero h1{
  font-family:'Poppins';font-size:clamp(34px,4.4vw,54px);font-weight:600;line-height:1.16;
  letter-spacing:-.02em;color:var(--ink);margin-bottom:24px;
}
.hero h1 em{font-style:normal;color:var(--gold)}
/* let the headline reflow naturally on narrow screens */
@media(max-width:560px){.hero h1 br{display:none}}
.hero-meta{display:flex;flex-direction:column;gap:7px;margin-bottom:34px}
.hero-meta .m1{font-size:17px;color:var(--ink);font-weight:500}
.hero-meta .m1 i{font-style:normal;color:var(--gold-br);margin:0 10px}
.hero-meta .m2{font-size:15.5px;color:var(--body)}
.hero-in .btn{align-self:flex-start;padding:17px 34px;font-size:12px}

.hero-trust{display:flex;align-items:center;gap:0;margin-top:44px;flex-wrap:wrap}
.ht{display:flex;align-items:center;gap:11px;padding:0 26px;font-size:14.5px;color:var(--ink);font-weight:500;position:relative}
.ht:first-child{padding-left:0}
.ht + .ht::before{content:"";position:absolute;left:0;top:2px;bottom:2px;width:1px;background:var(--line)}
.ht svg{width:22px;height:22px;flex:none}

/* 4-step strip across the bottom of the hero */
.hero-steps-wrap{position:relative;z-index:2;padding:60px 0 62px}
.hero-steps{
  background:#fff;
  border:1px solid rgba(255,255,255,.9);border-radius:14px;
  box-shadow:0 18px 48px rgba(31,35,43,.10);
  display:grid;grid-template-columns:repeat(4,1fr);
}
.hstep{display:flex;align-items:center;gap:16px;padding:26px 24px;position:relative}
.hstep + .hstep::before{content:"";position:absolute;left:0;top:22px;bottom:22px;width:1px;background:var(--line)}
.hstep-ic{flex:none;width:38px;height:38px;display:flex;align-items:center;justify-content:center}
.hstep-ic svg{width:34px;height:34px}
.hstep-n{display:block;font-family:'IBM Plex Mono','Inter',monospace;font-size:11.5px;font-weight:600;color:var(--gold-br);letter-spacing:.1em;margin-bottom:2px}
.hstep h3{font-family:'Poppins';font-size:15.5px;font-weight:600;color:var(--ink);margin-bottom:2px;line-height:1.3}
.hstep p{font-size:12.5px;color:var(--muted);line-height:1.45;margin:0}

/* ---------- about ---------- */
.about{padding:104px 0}
.about-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:72px;align-items:center}

/* left: portrait with an offset gold frame; the stat sits on the photo */
/* a real frame: the photo sits inside a mat with equal padding on all four
   sides, so nothing is offset and nothing can look crooked */
.ab-media{
  position:relative;background:#fff;padding:8px;border-radius:15px;
  border:1px solid rgba(216,164,77,.45);
  box-shadow:0 24px 58px rgba(31,35,43,.14);
}
.ab-photo{
  position:relative;overflow:hidden;border-radius:10px;
  aspect-ratio:880/1086;background:var(--bg-alt);
}
.ab-photo img{width:100%;height:100%;object-fit:cover;display:block}
/* tight gradient at the foot of the photo so the text stays readable */
.ab-photo::after{
  content:"";position:absolute;left:0;right:0;bottom:0;height:46%;z-index:2;pointer-events:none;
  background:linear-gradient(180deg,rgba(20,23,29,0) 0%,rgba(20,23,29,.24) 42%,rgba(20,23,29,.80) 100%);
}
.ab-onimg{position:absolute;left:32px;right:32px;bottom:30px;z-index:3}
.ab-onimg b{
  display:block;font-family:'Poppins';font-size:54px;font-weight:600;line-height:1;
  color:var(--gold-br);text-shadow:0 2px 16px rgba(20,23,29,.55);
}
.ab-onimg span{
  display:block;font-size:14.5px;color:#fff;margin-top:8px;line-height:1.5;
  text-shadow:0 1px 10px rgba(20,23,29,.7);
}

/* right: copy */
.ab-copy .sec-title{margin-bottom:20px}
.ab-copy > p{margin-bottom:28px}
.ab-list{list-style:none;display:flex;flex-direction:column;gap:18px;margin-bottom:34px}
.ab-list li{display:flex;gap:14px;align-items:flex-start}
.ab-ic{flex:none;width:26px;height:26px;border-radius:50%;background:rgba(216,164,77,.18);display:flex;align-items:center;justify-content:center;margin-top:1px}
.ab-ic svg{width:14px;height:14px}
.ab-list b{display:block;color:var(--ink);font-weight:600;font-size:15px;margin-bottom:2px}
.ab-list li > span:last-child{font-size:14px;line-height:1.6}

/* ---------- loan cards ---------- */
.pr-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:stretch;padding-top:14px}
.pr-card{
  position:relative;display:flex;flex-direction:column;
  background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px 26px;
  transition:transform .28s ease, box-shadow .28s ease;
}
.pr-card:hover{transform:translateY(-6px);box-shadow:0 22px 50px rgba(31,35,43,.12)}

/* the middle plan carries the weight: dark, lifted, badged */
.pr-card.pr-best{
  padding-top:42px;
  background:linear-gradient(168deg,#262B35 0%,#1B1F26 100%);border-color:transparent;
  transform:translateY(-14px);box-shadow:0 26px 58px rgba(27,31,38,.30);
}
.pr-card.pr-best:hover{transform:translateY(-20px);box-shadow:0 32px 66px rgba(27,31,38,.36)}
.pr-badge{
  position:absolute;top:-13px;left:50%;transform:translateX(-50%);
  background:var(--gold-br);color:#22262E;font-size:10.5px;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;padding:7px 16px;border-radius:100px;white-space:nowrap;
}

.pr-tag{font-size:10.5px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.pr-card.pr-best .pr-tag{color:var(--gold-br)}
.pr-card h3{font-family:'Poppins';font-size:21px;font-weight:600;color:var(--ink);margin:9px 0 12px}
.pr-card.pr-best h3{color:#fff}
.pr-amt{font-family:'Poppins';font-size:30px;font-weight:600;color:var(--gold);line-height:1}
.pr-card.pr-best .pr-amt{color:var(--gold-br)}
.pr-desc{font-size:13.5px;line-height:1.6;color:var(--body);margin-top:10px}
.pr-card.pr-best .pr-desc{color:rgba(255,255,255,.74)}

.pr-line{height:1px;background:var(--line);margin:20px 0 17px}
.pr-card.pr-best .pr-line{background:rgba(255,255,255,.14)}

.pr-list{list-style:none;display:flex;flex-direction:column;gap:10px;margin-bottom:20px}
.pr-list li{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;line-height:1.5;color:var(--body)}
.pr-card.pr-best .pr-list li{color:rgba(255,255,255,.82)}
.pr-list svg{flex:none;width:16px;height:16px;margin-top:2px}

/* worked example, tied to the calculator's own figures */
.pr-eg{background:var(--bg-alt);border-radius:10px;padding:13px 15px;margin-top:auto}
.pr-card.pr-best .pr-eg{background:rgba(255,255,255,.07)}
.pr-eg span{display:block;font-size:10.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.pr-card.pr-best .pr-eg span{color:rgba(255,255,255,.5)}
.pr-eg b{font-size:14px;color:var(--ink);font-weight:600}
.pr-card.pr-best .pr-eg b{color:#fff}
.pr-eg b em{font-style:normal;color:var(--gold);font-family:'Poppins'}
.pr-card.pr-best .pr-eg b em{color:var(--gold-br)}


/* slim helper bar under the three plans */
.pr-grid + .pr-help{margin-bottom:104px}
.pr-help{
  display:flex;align-items:center;justify-content:space-between;gap:26px;flex-wrap:wrap;
  background:var(--bg-alt);border:1px solid var(--line);border-radius:14px;
  padding:24px 30px;margin-top:38px;
}
.pr-help p{font-size:15px;color:var(--body);margin:0;max-width:730px}
.pr-help b{color:var(--ink);font-weight:600}
.pr-help .btn{flex:none}

@media(max-width:980px){
  .pr-grid{grid-template-columns:1fr;gap:20px}
  .pr-card.pr-best{transform:none}
  .pr-card.pr-best:hover{transform:translateY(-6px)}
  .pr-badge{left:30px;transform:none}
  .pr-help{flex-direction:column;align-items:flex-start;gap:18px}
  .pr-help .btn{width:100%;justify-content:center}
}

/* ---------- why choose ---------- */
.why{padding:0 0 104px}
.why-head{max-width:520px;margin-bottom:56px}
.feats{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.feat{text-align:center;padding:0 22px;position:relative}
.feat + .feat::before{content:"";position:absolute;left:0;top:14px;bottom:14px;width:1px;background:var(--line)}
.feat-ic{
  width:74px;height:74px;margin:0 auto 22px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  background:#fff;box-shadow:inset 0 0 0 1px var(--line), 0 6px 18px rgba(31,35,43,.05);transition:.3s;
}
.feat:hover .feat-ic{background:var(--gold-br);box-shadow:0 10px 24px rgba(176,118,31,.26)}
.feat:hover .feat-ic svg{stroke:#fff}
.feat h3{font-size:17px;font-weight:500;margin-bottom:10px}
.feat p{font-size:13px;line-height:1.7}

/* ---------- how it works: numbered timeline ---------- */
.hw{background:var(--bg-alt);padding:100px 0;margin-bottom:104px}
.hw-grid{display:grid;grid-template-columns:.86fr 1.14fr;gap:70px;align-items:start}
.hw-intro{position:sticky;top:110px}
.hw-intro h2{font-size:clamp(27px,3.3vw,38px);font-weight:500;margin-bottom:18px}
.hw-intro p{font-size:15.5px;color:var(--body);margin-bottom:26px;max-width:400px}
.hw-note{
  display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);
  border-radius:12px;padding:16px 18px;font-size:13.5px;line-height:1.6;color:var(--body);margin-bottom:28px;max-width:400px;
}
.hw-note svg{flex:none;width:18px;height:18px;margin-top:1px}
.hw-note b{color:var(--ink);font-weight:600}

/* the steps */
.hw-steps{list-style:none;position:relative}
.hw-step{position:relative;padding:0 0 34px 74px}
.hw-step:last-child{padding-bottom:0}
/* connecting line runs between the markers */
.hw-step:not(:last-child)::before{
  content:"";position:absolute;left:23px;top:50px;bottom:2px;width:2px;
  background:linear-gradient(180deg,var(--gold-br),rgba(216,164,77,.28));
}
.hw-num{
  position:absolute;left:0;top:0;width:48px;height:48px;border-radius:50%;
  background:#fff;border:2px solid var(--gold-br);
  display:flex;align-items:center;justify-content:center;
  font-family:'Poppins';font-size:16px;font-weight:600;color:var(--gold);
  box-shadow:0 4px 14px rgba(31,35,43,.07);
}
.hw-step h3{font-family:'Poppins';font-size:20px;font-weight:600;color:var(--ink);margin:11px 0 8px}
.hw-step p{font-size:14.5px;line-height:1.7;color:var(--body);margin:0;max-width:520px}
.hw-meta{
  display:inline-flex;align-items:center;gap:7px;margin-top:12px;
  background:rgba(216,164,77,.16);color:var(--gold);border-radius:100px;
  padding:5px 13px;font-size:12px;font-weight:600;letter-spacing:.04em;
}
.hw-meta svg{width:13px;height:13px}

@media(max-width:980px){
  .hw{padding:70px 0;margin-bottom:70px}
  .hw-grid{grid-template-columns:1fr;gap:44px}
  .hw-intro{position:static}
  .hw-intro p,.hw-note{max-width:none}
}
@media(max-width:560px){
  .hw-step{padding-left:60px;padding-bottom:30px}
  .hw-num{width:42px;height:42px;font-size:15px}
  .hw-step:not(:last-child)::before{left:20px;top:46px}
}

/* ---------- eligibility ---------- */
.el-wrap{padding:0 0 104px}
.el-grid{display:grid;grid-template-columns:1.18fr .82fr;gap:56px;align-items:center;margin-top:52px;text-align:left}
.el-list{list-style:none;display:flex;flex-direction:column;gap:22px}
.el-item{display:flex;gap:18px;align-items:flex-start}
.el-ic{
  flex:none;width:46px;height:46px;border-radius:12px;background:#fff;
  display:flex;align-items:center;justify-content:center;
  box-shadow:inset 0 0 0 1px var(--line), 0 5px 14px rgba(31,35,43,.05);
}
.el-ic svg{width:22px;height:22px}
.el-item h3{font-family:'Poppins';font-size:16.5px;font-weight:600;color:var(--ink);margin-bottom:5px}
.el-item p{font-size:14px;line-height:1.65;margin:0}

/* right column: portrait, framed like the About photo for consistency */
.el-media{position:relative;background:#fff;padding:8px;border-radius:16px;
  border:1px solid rgba(216,164,77,.45);box-shadow:0 22px 52px rgba(31,35,43,.13);
  max-width:440px;margin-left:auto}
.el-photo{position:relative;overflow:hidden;border-radius:11px;aspect-ratio:800/1000;background:var(--bg-alt)}
.el-photo img{width:100%;height:100%;object-fit:cover;display:block}
.el-cta{margin-top:26px}

.el-note{
  margin-top:44px;padding:22px 26px;border-left:3px solid var(--gold-br);background:var(--bg-alt);
  font-size:13.5px;line-height:1.75;color:var(--body);border-radius:0 8px 8px 0;
}
.el-note b{color:var(--ink);font-weight:600}
@media(max-width:860px){
  .el-grid{grid-template-columns:1fr;gap:38px}
  .el-media{position:static;max-width:440px;margin:0 auto}
}

/* ---------- trust strip ---------- */
.strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:34px 0;margin-bottom:104px}
.strip-in{display:flex;justify-content:space-between;align-items:center;gap:26px;flex-wrap:wrap}
.tmark{display:flex;align-items:center;gap:11px;opacity:.62;transition:opacity .25s;font-size:12.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--ink)}
.tmark:hover{opacity:1}

/* ---------- use cases: full-width auto-advancing slider ---------- */
.gal{padding-bottom:104px}
.sl{position:relative;margin-top:52px;border-radius:16px;overflow:hidden;background:var(--bg-alt);box-shadow:0 24px 58px rgba(31,35,43,.14)}
.sl-view{overflow:hidden}
.sl-track{display:flex;transition:transform .62s cubic-bezier(.4,0,.2,1);will-change:transform}
.sl-item{flex:0 0 100%;position:relative;aspect-ratio:16/7.4;min-height:340px}
.sl-item img{width:100%;height:100%;object-fit:cover;display:block}
/* tight gradient only where the caption sits */
.sl-item::after{
  content:"";position:absolute;left:0;right:0;bottom:0;height:56%;z-index:1;pointer-events:none;
  background:linear-gradient(180deg,rgba(20,23,29,0) 0%,rgba(20,23,29,.22) 45%,rgba(20,23,29,.80) 100%);
}
.sl-cap{position:absolute;left:52px;bottom:46px;right:52px;z-index:2;max-width:540px;text-align:left}
.sl-ic{display:inline-flex;margin-bottom:16px;filter:drop-shadow(0 2px 8px rgba(20,23,29,.6))}
.sl-ic svg{width:34px;height:34px}
.sl-cap h3{
  font-family:'Poppins';font-size:clamp(24px,2.6vw,34px);font-weight:600;color:#fff;
  margin-bottom:8px;text-shadow:0 2px 14px rgba(20,23,29,.55);
}
.sl-cap p{font-size:15.5px;color:rgba(255,255,255,.92);margin:0;text-shadow:0 1px 10px rgba(20,23,29,.7)}

/* arrows */
.sl-nav{
  position:absolute;top:50%;transform:translateY(-50%);z-index:4;
  width:50px;height:50px;border-radius:50%;border:none;cursor:pointer;
  background:rgba(255,255,255,.92);color:var(--ink);
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 6px 20px rgba(20,23,29,.24);transition:.22s ease;
}
.sl-nav:hover{background:var(--gold-br);color:#fff;transform:translateY(-50%) scale(1.06)}
.sl-nav svg{width:20px;height:20px}
.sl-prev{left:24px}
.sl-next{right:24px}

/* dots + counter */
.sl-foot{position:absolute;left:52px;right:52px;bottom:0;z-index:4;display:flex;align-items:center;justify-content:space-between;pointer-events:none}
.sl-dots{display:flex;gap:9px;pointer-events:auto;padding-bottom:20px;margin-left:auto}
.sl-dot{width:9px;height:9px;border-radius:50%;border:none;padding:0;cursor:pointer;background-color:rgba(255,255,255,.45);transition:.25s}
.sl-dot:hover{background-color:rgba(255,255,255,.75)}
.sl-dot.on{background-color:var(--gold-br);width:28px;border-radius:100px}

/* progress bar shows the auto-advance timing */
.sl-bar{position:absolute;left:0;bottom:0;height:3px;width:100%;background:rgba(255,255,255,.20);z-index:5}
.sl-bar i{display:block;height:100%;width:0;background:var(--gold-br)}
.sl-bar i.run{animation:slbar 8s linear forwards}
@keyframes slbar{from{width:0}to{width:100%}}

@media(max-width:860px){
  .sl-item{aspect-ratio:4/3.4;min-height:300px}
  .sl-cap{left:26px;right:26px;bottom:52px}
  .sl-ic svg{width:28px;height:28px}
  .sl-cap p{font-size:14px}
  .sl-nav{width:38px;height:38px;top:19%}
  .sl-nav:hover{transform:translateY(-50%) scale(1.06)}
  .sl-prev{left:12px}
  .sl-next{right:12px}
  .sl-foot{left:26px;right:26px}
}

/* ---------- calculator (dark band) ---------- */
.cx{background:linear-gradient(168deg,#262B35 0%,#1B1F26 100%);padding:100px 0;margin-bottom:104px}
.cx-head{text-align:center;max-width:640px;margin:0 auto 48px}
.cx-head .eyebrow{color:var(--gold-br)}
.cx-head h2{color:#fff;font-size:clamp(27px,3.4vw,40px);font-weight:500;margin-bottom:16px}
.cx-head p{color:rgba(255,255,255,.70);font-size:15.5px}
.cx-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:24px;align-items:stretch}

/* --- left: controls --- */
.cx-panel{background:rgba(255,255,255,.048);border:1px solid rgba(255,255,255,.11);border-radius:16px;padding:34px 32px}
.cx-lab{display:block;font-size:11px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:rgba(255,255,255,.55)}
.cx-top{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;margin-bottom:20px}
.cx-amt{font-family:'Poppins';font-size:clamp(38px,4.4vw,52px);font-weight:600;color:var(--gold-br);line-height:1}
.cx-amt small{font-size:.5em;vertical-align:top;margin-right:2px}

#cxRange{
  -webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:5px;outline:none;cursor:pointer;
  background:linear-gradient(90deg,var(--gold-br) 0%,var(--gold-br) 37.5%,rgba(255,255,255,.17) 37.5%);
}
#cxRange::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--gold-br);border:5px solid #23272F;box-shadow:0 0 0 1px var(--gold-br),0 3px 10px rgba(0,0,0,.4);cursor:grab}
#cxRange::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:var(--gold-br);border:5px solid #23272F;box-shadow:0 0 0 1px var(--gold-br),0 3px 10px rgba(0,0,0,.4);cursor:grab}
.cx-ends{display:flex;justify-content:space-between;font-size:12px;color:rgba(255,255,255,.45);margin-top:11px}

.cx-chips{display:flex;gap:8px;flex-wrap:wrap;margin-top:18px}
.cx-chip{
  flex:1;min-width:72px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.13);
  color:rgba(255,255,255,.86);font-family:'Inter';font-size:13px;font-weight:600;
  padding:10px 4px;border-radius:8px;cursor:pointer;transition:.2s;
}
.cx-chip:hover{background:rgba(255,255,255,.12);border-color:rgba(216,164,77,.6)}
.cx-chip.on,.cx-chip.on:hover{background:var(--gold-br);border-color:var(--gold-br);color:#22262E}

.cx-sep{height:1px;background:rgba(255,255,255,.10);margin:28px 0 24px}

.cx-terms{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-top:14px}
.cx-term{
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.13);color:#fff;
  font-family:'Inter';font-size:14px;font-weight:600;padding:13px 4px;border-radius:8px;cursor:pointer;transition:.2s;
}
.cx-term span{display:block;font-size:10.5px;font-weight:500;color:rgba(255,255,255,.5);margin-top:2px;letter-spacing:.06em}
.cx-term:hover:not(:disabled){background:rgba(255,255,255,.12);border-color:rgba(216,164,77,.6)}
/* the selected state must beat :hover, which is the more specific selector */
.cx-term.on,.cx-term.on:hover:not(:disabled){background:var(--gold-br);border-color:var(--gold-br);color:#22262E}
.cx-term.on span{color:rgba(34,38,46,.7)}
.cx-term:disabled{opacity:.32;cursor:not-allowed}
.cx-hint{font-size:12px;color:rgba(255,255,255,.45);margin-top:12px;min-height:17px}

/* proportion bar: principal vs fee */
.cx-split{margin-top:28px}
.cx-bar{display:flex;height:10px;border-radius:6px;overflow:hidden;margin:12px 0 10px;background:rgba(255,255,255,.10)}
.cx-bar i{display:block;transition:width .3s ease}
.cx-bar .bp{background:var(--gold-br)}
.cx-bar .bf{background:rgba(255,255,255,.34)}
.cx-keys{display:flex;gap:22px;font-size:12.5px;color:rgba(255,255,255,.62)}
.cx-keys span{display:flex;align-items:center;gap:7px}
.cx-keys em{width:9px;height:9px;border-radius:2px;display:inline-block;font-style:normal}
.cx-keys .kp{background:var(--gold-br)}
.cx-keys .kf{background:rgba(255,255,255,.34)}

/* --- right: result --- */
.cx-out{background:#FBF9F5;border-radius:16px;padding:34px 32px;display:flex;flex-direction:column}
.cx-out .cx-lab{color:var(--muted)}
.cx-mo{font-family:'Poppins';font-size:clamp(38px,4.2vw,50px);font-weight:600;color:var(--ink);line-height:1;margin:8px 0 2px}
.cx-mo small{font-size:.46em;vertical-align:top;margin-right:2px}
.cx-per{font-size:13.5px;color:var(--muted);margin-bottom:26px}
.cx-rows{display:flex;flex-direction:column;gap:13px;border-top:1px solid var(--line);padding-top:22px}
.cx-row{display:flex;justify-content:space-between;align-items:baseline;gap:14px;font-size:14.5px;color:var(--body)}
.cx-row b{font-weight:600;color:var(--ink);font-variant-numeric:tabular-nums}
.cx-row.tot{border-top:1px solid var(--line);padding-top:16px;margin-top:4px;font-size:16px}
.cx-row.tot b{color:var(--gold);font-family:'Poppins';font-size:19px}
.cx-apr b{color:var(--ink)}
.cx-out .btn{width:100%;justify-content:center;margin-top:26px}
.cx-fine{font-size:11.5px;color:var(--muted);line-height:1.6;margin-top:16px;display:flex;gap:8px;align-items:flex-start}
.cx-fine svg{flex:none;width:14px;height:14px;margin-top:2px}

@media(max-width:860px){
  .cx{padding:70px 0;margin-bottom:70px}
  .cx-grid{grid-template-columns:1fr}
  .cx-panel,.cx-out{padding:28px 22px}
  .cx-terms{grid-template-columns:repeat(2,1fr)}
  .cx-chip{min-width:0}
}

/* ---------- reviews ---------- */
.reviews{padding-bottom:104px}
.st{width:17px;height:17px;fill:var(--gold-br);flex:none}
.st.off{fill:rgba(31,35,43,.16)}
.rv-stars{display:flex;gap:3px}

.rv-top{
  display:grid;grid-template-columns:1fr 1.15fr;gap:56px;align-items:center;
  background:var(--panel);border:1px solid var(--line);padding:40px 46px;margin-top:52px;text-align:left;
}
.rv-label{
  display:inline-block;font-size:11px;font-weight:700;letter-spacing:.22em;text-transform:uppercase;
  color:var(--gold);margin-bottom:12px;
}
.rv-score .rv-stars{margin-bottom:16px}
.rv-big{font-family:'Poppins';font-size:58px;font-weight:600;color:var(--ink);line-height:1}
.rv-big span{font-size:20px;color:var(--muted);font-weight:500;margin-left:6px}
.rv-meta{font-size:13.5px;color:var(--body);margin-top:12px;max-width:330px}
.rv-meta b{color:var(--ink);font-weight:600}
.rv-dist{display:flex;flex-direction:column;gap:11px}
.rv-row{display:grid;grid-template-columns:58px 1fr 42px;gap:14px;align-items:center;font-size:12.5px;color:var(--muted)}
.rv-row span:last-child{text-align:right;font-weight:600;color:var(--ink)}
.rv-track{height:7px;background:rgba(31,35,43,.09);border-radius:100px;overflow:hidden;display:block}
.rv-fill{height:100%;background:var(--gold-br);border-radius:100px;display:block}

.rv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:22px;text-align:left}
.rv-card{
  background:var(--panel);border:1px solid var(--line);padding:28px 26px;
  display:flex;flex-direction:column;transition:transform .3s ease, box-shadow .3s ease;
}
.rv-card:hover{transform:translateY(-5px);box-shadow:0 18px 40px rgba(31,35,43,.10)}
.rv-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px;gap:12px}
.rv-verif{
  display:flex;align-items:center;gap:6px;font-size:10.5px;font-weight:700;letter-spacing:.12em;
  text-transform:uppercase;color:var(--gold);white-space:nowrap;
}
.rv-card h3{font-size:16px;font-weight:600;line-height:1.45;margin-bottom:11px}
.rv-card p{font-size:13.5px;line-height:1.78;margin-bottom:22px;flex:1}
.rv-foot{display:flex;align-items:center;gap:12px;padding-top:18px;border-top:1px solid var(--line)}
.rv-av{
  width:40px;height:40px;border-radius:50%;flex:none;background:var(--gold-br);color:#22262E;
  font-family:'Poppins';font-weight:600;font-size:15px;display:flex;align-items:center;justify-content:center;
}
.rv-who b{display:block;font-size:13.5px;font-weight:600;color:var(--ink);line-height:1.4}
.rv-who span{font-size:12px;color:var(--muted)}
.rv-date{margin-left:auto;font-size:11.5px;color:var(--muted);white-space:nowrap;align-self:flex-start;padding-top:3px}
.rv-foot-note{font-size:12.5px;color:var(--muted);margin-top:30px;max-width:660px;margin-left:auto;margin-right:auto;line-height:1.7}

/* ---------- credit approach ---------- */
.appr{display:grid;grid-template-columns:1fr 1.05fr;margin-bottom:104px;align-items:stretch;
  border:1px solid var(--line);border-radius:18px;overflow:hidden}
.appr-txt{background:var(--bg-alt);padding:56px 50px;display:flex;flex-direction:column;justify-content:center}
.appr-txt h2{font-size:clamp(24px,2.9vw,33px);margin-bottom:18px}
.appr-txt p{font-size:14.5px;margin-bottom:30px;max-width:400px}
.appr-txt .btn{align-self:flex-start}

/* right: the chart carries the panel on its own now */
.appr-vis{background:#fff;padding:48px 50px;display:flex;flex-direction:column;justify-content:center}
.chart-head{display:flex;justify-content:space-between;align-items:baseline;gap:14px;margin-bottom:6px;flex-wrap:wrap}
.chart-head .lbl{white-space:nowrap}
.chart-head .lbl{font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted);font-weight:600}
.chart-gain{
  display:inline-flex;align-items:center;gap:6px;background:rgba(216,164,77,.16);color:var(--gold);
  border-radius:100px;padding:5px 12px;font-size:12px;font-weight:600;white-space:nowrap;
}
.chart-gain svg{width:13px;height:13px}

.chart{display:flex;align-items:flex-end;gap:20px;height:186px;margin:34px 0 0;position:relative}
/* baseline the bars sit on */
.chart::after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:var(--line)}
.cbar{
  flex:1;position:relative;border-radius:6px 6px 0 0;
  background:linear-gradient(180deg,var(--gold-br) 0%,rgba(216,164,77,.45) 100%);
}
.cbar em{
  position:absolute;top:-25px;left:0;right:0;text-align:center;font-style:normal;
  font-size:11.5px;color:var(--gold);font-weight:600;
}
.cbar:last-child{background:linear-gradient(180deg,#C8912F 0%,var(--gold-br) 100%)}
.chart-x{display:flex;gap:20px;margin-top:12px}
.chart-x div{flex:1;text-align:center;font-size:11.5px;color:var(--muted)}
.chart-note{font-size:11.5px;color:var(--muted);margin-top:22px;line-height:1.65;padding-top:18px;border-top:1px solid var(--line)}

/* ---------- stats ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;padding-bottom:104px}
.stat{text-align:center;position:relative;padding:0 20px}
.stat + .stat::before{content:"";position:absolute;left:0;top:8px;bottom:8px;width:1px;background:var(--line)}
.stat b{display:block;font-family:'Poppins';font-size:42px;font-weight:600;color:var(--gold);line-height:1.1}
.stat span{font-size:13px;color:var(--muted);margin-top:6px;display:block}
.stat .star{width:.56em;height:.56em;display:inline-block;vertical-align:.20em;margin-left:.12em}

/* ---------- blog ---------- */
.blog{padding-bottom:104px}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:52px;text-align:left}
.post{background:var(--panel);border:1px solid var(--line);overflow:hidden;display:flex;flex-direction:column;transition:transform .3s, box-shadow .3s}
.post:hover{transform:translateY(-6px);box-shadow:0 20px 44px rgba(31,35,43,.11)}
.post-img{height:196px;position:relative}
.post-body{padding:26px 24px 28px;display:flex;flex-direction:column;flex:1}
.post-body h3{font-size:17px;font-weight:500;line-height:1.45;margin-bottom:14px}
.post-meta{display:flex;gap:18px;font-size:11.5px;color:var(--muted);margin-bottom:14px}
.post-meta span{display:flex;align-items:center;gap:6px}
.post-body p{font-size:13.5px;line-height:1.7;margin-bottom:20px;flex:1}

/* ---------- FAQ ---------- */
.faq{padding-bottom:104px}
.faq-list{max-width:840px;margin:52px auto 0;text-align:left}
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{
  width:100%;background:none;border:none;color:var(--ink);cursor:pointer;text-align:left;
  font-family:'Poppins';font-size:17px;font-weight:500;line-height:28px;padding:24px 0;
  display:flex;justify-content:space-between;align-items:center;gap:20px;transition:color .2s;
}
.faq-q:hover{color:var(--gold)}
.faq-q .pm{
  flex:none;position:relative;width:28px;height:28px;border-radius:50%;
  border:1px solid var(--gold-br);color:var(--gold);
  transition:transform .32s ease, background-color .25s ease, color .25s ease, border-color .25s ease;
}
/* two whole-pixel bars: exact geometric centre, no sub-pixel blur */
.faq-q .pm::before,
.faq-q .pm::after{content:"";position:absolute;top:50%;left:50%;background-color:currentColor}
.faq-q .pm::before{width:10px;height:2px;margin:-1px 0 0 -5px}
.faq-q .pm::after{width:2px;height:10px;margin:-5px 0 0 -1px}
.faq-q:hover .pm{background-color:rgba(216,164,77,.16)}
.faq-item.open .pm{transform:rotate(45deg);background-color:var(--gold-br);border-color:var(--gold-br);color:#22262E}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease}
.faq-a p{font-size:14.5px;padding-bottom:26px;max-width:720px}

/* ---------- final CTA ---------- */
.cta{position:relative;padding:118px 0;text-align:center;overflow:hidden}
.cta-in{position:relative;z-index:2}
.cta h2{font-size:clamp(27px,3.6vw,42px);max-width:640px;margin:0 auto 32px;color:#fff}

/* ---------- footer ---------- */
footer{background:var(--dark);padding:84px 0 0;color:rgba(255,255,255,.66)}
.f-grid{display:grid;grid-template-columns:1.7fr 1fr 1.15fr 1fr 1.55fr;gap:40px;padding-bottom:56px}
footer .logo{color:#fff}
.f-col h2{font-family:'Inter';font-size:11.5px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:#fff;margin-bottom:24px}
.f-col ul{list-style:none;display:flex;flex-direction:column;gap:12px}
.f-col li a{font-size:13.5px;white-space:nowrap;color:rgba(255,255,255,.66);transition:.2s}
.f-col li a:hover{color:var(--gold-br);padding-left:4px}
.f-about p{font-size:13.5px;margin:20px 0;max-width:270px}
.f-mail{display:inline-flex;align-items:center;gap:9px;font-size:13.5px;color:rgba(255,255,255,.80);margin:4px 0 22px;transition:color .2s}
.f-mail:hover{color:var(--gold-br)}
.f-soc{display:flex;gap:12px}
.f-soc a{width:34px;height:34px;border-radius:50%;box-shadow:inset 0 0 0 1px var(--line-dk);display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.66);transition:.25s}
.f-soc a:hover{background:var(--gold-br);color:#22262E;box-shadow:none}
.f-news p{font-size:13.5px;margin-bottom:18px}
.f-form{display:flex}
.f-form input{
  flex:1;min-width:0;background:rgba(255,255,255,.07);border:1px solid var(--line-dk);border-right:none;
  color:#fff;font-family:'Inter';font-size:13px;padding:13px 16px;outline:none;
}
.f-form input::placeholder{color:rgba(255,255,255,.42)}
.f-form input:focus{border-color:var(--gold-br)}
.f-form button{
  background:var(--gold-br);color:#22262E;border:none;cursor:pointer;font-family:'Inter';
  font-size:10.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:0 20px;transition:.2s;
}
.f-form button:hover{background:var(--gold-lt)}
.legal{border-top:1px solid var(--line-dk);padding:30px 0;font-size:11.5px;line-height:1.85;color:rgba(255,255,255,.48)}
.legal p{margin-bottom:12px}
.legal strong{color:rgba(255,255,255,.72);font-weight:600}
.f-bottom{border-top:1px solid var(--line-dk);padding:20px 0;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:12.5px;color:rgba(255,255,255,.48)}
.f-legal{display:flex;gap:22px;flex-wrap:wrap}
.f-legal a{color:rgba(255,255,255,.62);transition:color .2s}
.f-legal a:hover{color:var(--gold-br)}

a:focus-visible,button:focus-visible,input:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
@media (prefers-reduced-motion: reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

@media(max-width:1080px){
  .about-grid{gap:48px}
  .cards{grid-template-columns:repeat(2,1fr)}
  .feats{grid-template-columns:repeat(2,1fr);gap:44px 8px}
  .feat:nth-child(3)::before{display:none}
  .f-grid{grid-template-columns:1fr 1fr 1fr;gap:32px}
  .f-news{grid-column:1/-1}
}
@media(max-width:860px){
  .burger,.nav-close{display:flex}
  .nav-cta{display:none}
  .nav-menu{
    position:fixed;top:0;right:0;bottom:0;width:min(330px,88vw);z-index:60;
    background:#fff;flex-direction:column;align-items:stretch;gap:0;
    padding:22px 20px 34px;overflow-y:auto;
    transform:translateX(102%);transition:transform .3s cubic-bezier(.4,0,.2,1);
    box-shadow:-18px 0 46px rgba(31,35,43,.18);
  }
  .nav-menu.open{transform:none}
  .nav-close{align-self:flex-end;margin-bottom:14px}
  .nav-menu > .nav-link,.nav-item > .nav-link{
    width:100%;justify-content:space-between;padding:15px 4px;
    border-bottom:1px solid var(--line);font-size:12.5px;
  }
  .nav-menu > .nav-link::after,.nav-item > .nav-link::after{display:none}
  .nav-item{width:100%}
  /* dropdown becomes an accordion in the drawer */
  .nav-drop{
    position:static;min-width:0;border:none;box-shadow:none;border-radius:0;
    padding:0;opacity:1;visibility:visible;transform:none;
    max-height:0;overflow:hidden;transition:max-height .3s ease;
  }
  .nav-drop::before{display:none}
  .nav-item:hover .nav-drop{max-height:0}
  .nav-item.open .nav-drop{max-height:420px}
  .nav-drop a{padding:12px 14px}
  .nav-cta-mob{display:inline-flex;margin-top:24px;width:100%;justify-content:center}
  .hero .hero-in{padding-top:112px;padding-bottom:8px}
  .hero-in{min-height:auto}
  .hero-copy{max-width:100%}
  .hero-bg{object-position:24% center}
  .hero-steps{grid-template-columns:1fr 1fr}
  .hstep:nth-child(3)::before{display:none}
  .hstep:nth-child(3)::after,.hstep:nth-child(4)::after{content:"";position:absolute;left:22px;right:22px;top:0;height:1px;background:var(--line)}
  .hero-trust{gap:10px 0}
  .ht{padding:0 18px;font-size:13.5px}
  .calc,.appr,.blog-grid,.about-grid{grid-template-columns:1fr}
  .ab-media{max-width:440px;margin:0 auto}
  .rv-grid{grid-template-columns:1fr 1fr}
  .rv-top{grid-template-columns:1fr;gap:34px;padding:34px 30px}
  .calc-card,.calc-side,.appr-txt{padding:36px 28px}
  .appr-vis{padding:34px 28px}
  .chart{gap:14px;height:170px}
  .chart-x{gap:14px}
  .stats{grid-template-columns:1fr 1fr;gap:36px 8px}
  .stat:nth-child(3)::before{display:none}
  .strip-in{justify-content:center;gap:22px 34px}
}
@media(max-width:560px){
  .wrap{padding:0 20px}
  .about-grid,.cards,.feats,.stats,.rv-grid{grid-template-columns:1fr}
  .feat + .feat::before,.stat + .stat::before{display:none}
  .f-grid{grid-template-columns:1fr}
  .c-amt{font-size:36px}
  .about{padding:70px 0}
  .appr-txt{padding:34px 22px}
  .appr-vis{padding:30px 22px}
  .chart{gap:10px;height:155px}
  .chart-x{gap:10px}
  .cbar em{font-size:10px;white-space:nowrap}
  .chart-x div{font-size:10px;white-space:nowrap}
  .ab-media{padding:7px;border-radius:13px}
  .ab-onimg{left:22px;right:22px;bottom:24px}
  .ab-onimg b{font-size:42px}
  .hero-steps{grid-template-columns:1fr}
  .hstep + .hstep::before{display:none}
  .hstep:nth-child(n+2)::after{content:"";position:absolute;left:22px;right:22px;top:0;height:1px;background:var(--line)}
  .hstep{padding:20px 22px}
  .hero-trust{flex-direction:column;align-items:flex-start;gap:12px}
  .ht{padding:0}
  .ht + .ht::before{display:none}
}
/* the sticky bar sits over the page, so give the footer room beneath it.
   This must come after the base footer rule to win on equal specificity. */
@media(max-width:640px){footer{padding-bottom:100px}}
/* ---------- mobile polish ---------- */
@media(max-width:640px){
  /* the amount label was colliding with the big number */
  .cx-top{flex-direction:column;align-items:flex-start;gap:6px}
  .cx-head .c-lbl,.cx-lab{font-size:11.5px;letter-spacing:.14em}

  /* lift the smallest labels to a comfortable reading size */
  .pr-tag,.pr-badge,.tp-verified,.hstep-n,.chart-card .lbl,.chart-head .lbl,
  .cx-out .cx-lab,.pr-eg span,.el-note,.f-col h2{font-size:11.5px}
  .cbar em,.chart-x div{font-size:11px}
  .tp-date{font-size:12px}
  .more,.seemore{font-size:12px}

  /* tap targets: 44px is the comfortable minimum on a phone */
  .burger,.nav-close{width:44px;height:44px;align-items:center;justify-content:center;margin-right:-8px}
  .nav-close{margin-right:0}
  .sl-nav{width:44px;height:44px}
  .more,.seemore{padding:10px 0}
  .f-col li a{padding:6px 0;display:inline-block}
  .f-legal a{padding:6px 0;display:inline-block}
  .tb-social a,.f-soc a{min-width:40px;min-height:40px}

  /* a touch more breathing room between stacked blocks */
  .pr-card{padding:26px 22px}
  .tp-card{padding:24px 20px}

  /* remaining small text */
  .eyebrow{font-size:11.5px}
  .cx-term span{font-size:11px}
  .f-form button{font-size:11.5px;padding:0 18px}

  /* long legal copy reads far better ranged left than centred */
  .el-note,.chart-note,.cx-fine,.pr-help p{text-align:left}
  /* section intros stay centred but shouldn't run edge to edge */
  .sec-sub{padding:0 4px}
  .f-form input{padding:15px 16px}

  /* remaining tap targets */
  .pr-card h3 a{display:inline-block;padding:6px 0}
  .cx-chip{padding:13px 4px}
  .f-mail{padding:8px 0}
  /* the range track is thin, so widen its hit area without changing the look */
  #cxRange{padding:14px 0;background-clip:content-box;height:33px}
  /* grow the dot buttons themselves; an oversized invisible pad would
     overlap its neighbours and activate the wrong slide */
  .sl-dots{gap:16px}
  .sl-dot{box-sizing:content-box;padding:13px 8px;background-clip:content-box}

  /* near-miss targets */
  .pr-card h3 a{padding:8px 0}
  .nav-drop a{padding:13px 14px}
  .f-col li a{padding:8px 0}
}


/* ============================================================
   ARTICLE PAGES  (blog-*.html)
   Borrows the home page's language: white cards lifted off the cream,
   gold numbered markers on a connecting line, one dark band for rhythm.
   ============================================================ */
.crumb{display:flex;flex-wrap:wrap;align-items:center;gap:8px;font-size:12.5px;color:var(--muted);margin-bottom:22px}
.crumb a{color:var(--muted);transition:color .2s}
.crumb a:hover{color:var(--gold)}
.crumb span{opacity:.5}

.art-head{padding:130px 0 0;text-align:center}
.art-head .wrap{max-width:880px}
.art-head h1{font-family:'Poppins';font-size:clamp(30px,4.2vw,46px);font-weight:600;line-height:1.18;letter-spacing:-.022em;color:var(--ink);margin-bottom:22px}
.art-head .crumb{justify-content:center}
.art-lead{font-size:18.5px;line-height:1.72;color:var(--body);margin:0 auto 30px;max-width:700px}
.art-meta{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:22px;font-size:13px;color:var(--muted)}
.art-meta span{display:flex;align-items:center;gap:7px}
.art-meta svg{width:14px;height:14px;flex:none}

.art-hero{max-width:1140px;margin:42px auto 0;padding:0 28px}
.art-hero-in{border-radius:18px;overflow:hidden;aspect-ratio:16/7.6;background:var(--bg-alt);box-shadow:0 24px 56px rgba(31,35,43,.16)}
.art-hero-in img{width:100%;height:100%;object-fit:cover;display:block}
.art-caption{font-size:12.5px;color:var(--muted);text-align:center;margin-top:14px}

/* the body sits on a white card, the way every other block on the site does */
.art-body{padding:56px 0 96px}
.art-body .wrap{max-width:1000px}
.art-panel{background:#fff;border:1px solid var(--line);border-radius:20px;padding:56px 60px;box-shadow:0 20px 52px rgba(31,35,43,.08)}

.art-panel h2{font-family:'Poppins';font-size:clamp(24px,2.8vw,31px);font-weight:600;color:var(--ink);margin:50px 0 18px;scroll-margin-top:110px}
.art-panel > h2:first-child{margin-top:0}
.art-panel h3{font-family:'Poppins';font-size:20px;font-weight:600;color:var(--ink);margin:32px 0 12px}
.art-panel p{font-size:17px;line-height:1.8;color:var(--body);margin-bottom:20px}
.art-panel > ul,.art-panel > ol{margin:0 0 26px;padding:0;list-style:none;display:flex;flex-direction:column;gap:14px}
.art-panel > ul > li{display:flex;gap:13px;align-items:flex-start;font-size:16.5px;line-height:1.7;color:var(--body)}
.art-panel > ul > li svg{flex:none;width:18px;height:18px;margin-top:5px}
.art-panel strong{color:var(--ink);font-weight:600}

/* five questions: same numbered timeline as How It Works on the home page */
.qsteps{list-style:none;margin:34px 0 44px;padding:0}
.qstep{position:relative;padding:0 0 34px 78px}
.qstep:last-child{padding-bottom:0}
.qstep:not(:last-child)::before{
  content:"";position:absolute;left:24px;top:56px;bottom:2px;width:2px;
  background:linear-gradient(180deg,var(--gold-br),rgba(216,164,77,.25));
}
.qnum{
  position:absolute;left:0;top:0;width:50px;height:50px;border-radius:50%;
  background:#fff;border:2px solid var(--gold-br);
  display:flex;align-items:center;justify-content:center;
  font-family:'Poppins';font-size:16px;font-weight:600;color:var(--gold);
  box-shadow:0 4px 14px rgba(31,35,43,.08);
}
.qstep h3{margin:11px 0 10px;font-size:20.5px}
.qstep p{font-size:16.5px;margin-bottom:14px}
.qstep p:last-child{margin-bottom:0}

/* red-flag / green-flag pair */
.flags{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:0 0 34px}
.flag{border-radius:14px;padding:26px 26px;border:1px solid var(--line)}
.flag.good{background:#EAF7F0;border-color:rgba(0,182,122,.28)}
.flag.bad{background:#FBF1EC;border-color:rgba(197,107,62,.30)}
.flag h3{font-family:'Poppins';font-size:16px;font-weight:600;color:var(--ink);margin-bottom:14px;display:flex;align-items:center;gap:9px}
.flag h3 svg{width:19px;height:19px;flex:none}
.flag ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.flag li{display:flex;gap:11px;align-items:flex-start;font-size:14.5px;line-height:1.6;color:var(--body)}
.flag li::before{content:"";flex:none;width:5px;height:5px;border-radius:50%;margin-top:9px}
.flag.good li::before{background:#0A6B4C}
.flag.bad li::before{background:#B2603A}

/* one dark band mid-article, the same device as the calculator section */
.art-band{
  background:linear-gradient(168deg,#262B35 0%,#1B1F26 100%);
  border-radius:18px;padding:44px 46px;margin:44px 0;
}
.art-band .eyebrow{color:var(--gold-br);margin-bottom:14px}
.art-band h3{color:#fff;font-size:23px;margin:0 0 14px}
.art-band p{color:rgba(255,255,255,.80);font-size:16.5px;margin-bottom:0}
.art-band ul{list-style:none;margin:18px 0 0;padding:0;display:flex;flex-direction:column;gap:12px}
.art-band li{display:flex;gap:12px;align-items:flex-start;font-size:16px;line-height:1.65;color:rgba(255,255,255,.86)}
.art-band li svg{flex:none;width:17px;height:17px;margin-top:4px}

/* pull-out note */
.art-note{display:flex;gap:14px;background:var(--bg-alt);border-left:3px solid var(--gold-br);border-radius:0 12px 12px 0;padding:22px 24px;margin:0 0 30px}
.art-note svg{flex:none;width:20px;height:20px;margin-top:2px}
.art-note p{font-size:15.5px;line-height:1.7;margin:0}

/* author */
.art-foot{max-width:1000px;margin:0 auto;padding:0 28px}
.author{display:flex;gap:18px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px 30px}
.author-av{width:54px;height:54px;border-radius:50%;flex:none;background:var(--gold-br);color:#22262E;display:flex;align-items:center;justify-content:center;font-family:'Poppins';font-weight:600;font-size:18px}
.author b{display:block;font-family:'Poppins';font-size:15.5px;font-weight:600;color:var(--ink);margin-bottom:5px}
.author p{font-size:14.5px;line-height:1.7;color:var(--body);margin:0}

/* related */
.related{padding:88px 0 104px}
.related .wrap{max-width:1000px}
.related h2{font-family:'Poppins';font-size:25px;font-weight:600;color:var(--ink);margin-bottom:26px}
.rel-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}

@media(max-width:980px){
  .art-panel{padding:40px 32px}
  .flags,.rel-grid{grid-template-columns:1fr}
}
@media(max-width:860px){
  .art-head{padding:104px 0 0}
  .art-body{padding:40px 0 70px}
  .related{padding:60px 0 70px}
}
@media(max-width:640px){
  .art-head .wrap,.art-foot,.art-hero{padding-left:20px;padding-right:20px}
  /* the panel supplies its own inset, so the wrap stays flush on phones */
  .art-body .wrap{padding-left:14px;padding-right:14px}
  .art-lead{font-size:16.5px}
  .art-panel{padding:30px 20px;border-radius:16px}
  .art-panel p,.qstep p{font-size:16px}
  .art-hero-in{aspect-ratio:4/3;border-radius:14px}
  .qstep{padding-left:62px;padding-bottom:28px}
  .qnum{width:44px;height:44px;font-size:15px}
  .qstep:not(:last-child)::before{left:21px;top:50px}
  .art-band{padding:30px 24px;border-radius:14px}
  .author{padding:24px 20px;flex-direction:column;gap:14px}
}

/* comparison table inside articles */
.cmp-wrap{overflow-x:auto;margin:0 0 30px;-webkit-overflow-scrolling:touch}
.cmp{width:100%;border-collapse:collapse;font-size:15px;min-width:560px}
.cmp th{
  text-align:left;font-family:'Inter';font-size:11px;font-weight:700;letter-spacing:.12em;
  text-transform:uppercase;color:var(--muted);padding:0 14px 12px 0;border-bottom:1px solid var(--line);
}
.cmp td{padding:15px 14px 15px 0;border-bottom:1px solid var(--line);color:var(--body);font-variant-numeric:tabular-nums}
.cmp tbody tr:last-child td{border-bottom:none}
.cmp td:first-child{font-weight:600;color:var(--ink)}
.cmp td:last-child{font-family:'Poppins';font-weight:600;color:var(--gold)}
.cmp tr.hi td{background:rgba(216,164,77,.08)}
.cmp tr.hi td:first-child{box-shadow:inset 3px 0 0 var(--gold-br)}
@media(max-width:640px){
  .cmp{font-size:14px;min-width:520px}
  .cmp-wrap{margin-left:-4px;margin-right:-4px}
}


/* ============================================================
   PRODUCT PAGES  (loans-*.html)
   ============================================================ */
.pd-head{padding:130px 0 0}
.pd-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center;margin-top:26px}
.pd-copy h1{font-family:'Poppins';font-size:clamp(31px,4.2vw,46px);font-weight:600;line-height:1.16;letter-spacing:-.022em;color:var(--ink);margin:10px 0 8px}
.pd-range{font-family:'Poppins';font-size:clamp(28px,3.4vw,38px);font-weight:600;color:var(--gold);line-height:1;margin-bottom:20px}
.pd-lead{font-size:17px;line-height:1.75;color:var(--body);margin-bottom:28px;max-width:520px}
.pd-cta{display:flex;flex-wrap:wrap;align-items:center;gap:18px}

/* spec card */
.pd-spec{background:#fff;border:1px solid var(--line);border-radius:18px;padding:32px 30px;box-shadow:0 20px 48px rgba(31,35,43,.10)}
.pd-spec h2{font-family:'Poppins';font-size:17px;font-weight:600;color:var(--ink);margin-bottom:20px}
.pd-rows{display:flex;flex-direction:column;gap:0}
.pd-row{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:14px 0;border-bottom:1px solid var(--line);font-size:14.5px;color:var(--body)}
.pd-row:last-child{border-bottom:none}
.pd-row b{font-weight:600;color:var(--ink);text-align:right;font-variant-numeric:tabular-nums}
.pd-row b em{font-style:normal;color:var(--gold);font-family:'Poppins'}

/* quick facts strip */
.pd-facts{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:56px;padding:30px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.pd-fact{display:flex;gap:13px;align-items:flex-start}
.pd-fact svg{flex:none;width:21px;height:21px;margin-top:2px}
.pd-fact b{display:block;font-family:'Poppins';font-size:14.5px;font-weight:600;color:var(--ink);margin-bottom:3px}
.pd-fact span{font-size:13px;color:var(--muted);line-height:1.55}

/* generic light section on product pages */
.pd-sec{padding:88px 0}
.pd-sec.alt{background:var(--bg-alt)}
.pd-sec .lede{font-size:16px;color:var(--body);max-width:640px;margin-top:14px}

/* use-case list */
.pd-uses{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:38px}
.pd-use{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px 24px}
.pd-use .pd-ic{width:42px;height:42px;border-radius:11px;background:rgba(216,164,77,.14);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.pd-use .pd-ic svg{width:21px;height:21px}
.pd-use h3{font-family:'Poppins';font-size:16.5px;font-weight:600;color:var(--ink);margin-bottom:8px}
.pd-use p{font-size:14px;line-height:1.65;color:var(--body);margin:0}

/* schedule table */
.sched{width:100%;border-collapse:collapse;font-size:15px;margin-top:30px}
.sched th{text-align:left;font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);padding:0 14px 12px 0;border-bottom:1px solid var(--line)}
.sched td{padding:14px 14px 14px 0;border-bottom:1px solid var(--line);color:var(--body);font-variant-numeric:tabular-nums}
.sched td:first-child{font-weight:600;color:var(--ink)}
.sched tr.gap td{color:var(--muted);font-style:italic}
.sched tr:last-child td{border-bottom:none;font-weight:600;color:var(--ink)}

/* product comparison */
.pd-cmp{width:100%;border-collapse:collapse;font-size:15px;margin-top:34px;min-width:600px}
.pd-cmp th{text-align:left;padding:0 16px 14px 0;border-bottom:1px solid var(--line);font-family:'Poppins';font-size:15px;font-weight:600;color:var(--ink)}
.pd-cmp th:first-child{font-family:'Inter';font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.pd-cmp td{padding:15px 16px 15px 0;border-bottom:1px solid var(--line);color:var(--body);font-variant-numeric:tabular-nums}
.pd-cmp td:first-child{color:var(--muted);font-size:13.5px}
.pd-cmp col.on,.pd-cmp .on{background:rgba(216,164,77,.09)}
.pd-cmp tr:last-child td{border-bottom:none}

@media(max-width:980px){
  .pd-grid{grid-template-columns:1fr;gap:38px}
  .pd-facts{grid-template-columns:1fr 1fr;gap:22px}
  .pd-uses{grid-template-columns:1fr}
}
@media(max-width:860px){
  .pd-head{padding:104px 0 0}
  .pd-sec{padding:64px 0}
}
@media(max-width:640px){
  .pd-facts{grid-template-columns:1fr;gap:18px;margin-top:40px}
  .pd-spec{padding:26px 22px}
  .pd-cta{gap:14px}
  .pd-cta .btn{width:100%;justify-content:center}
}

/* ---------- legal documents (privacy / terms / disclosures) ---------- */
.lg-body .wrap{max-width:1160px}
.lg-doc{display:grid;grid-template-columns:238px 1fr;gap:48px;align-items:start}
.lg-toc{position:sticky;top:104px}
.lg-toc b{
  display:block;font-family:'Inter';font-size:11px;font-weight:600;letter-spacing:.2em;
  text-transform:uppercase;color:var(--muted);margin-bottom:14px;
}
.lg-toc a{
  display:block;font-size:13.5px;line-height:1.5;color:var(--body);
  padding:8px 0 8px 15px;border-left:2px solid var(--line);transition:.2s;
}
.lg-toc a:hover{color:var(--gold);border-left-color:var(--gold-br)}
.lg-meta{
  display:flex;flex-wrap:wrap;gap:9px 30px;font-size:12.5px;color:var(--muted);
  border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:15px 0;margin-top:26px;
}
.lg-meta b{color:var(--ink);font-weight:600}
.lg-panel h2{display:flex;gap:14px;align-items:baseline}
.lg-panel h2 i{
  font-style:normal;font-size:.62em;font-weight:600;color:var(--gold);
  font-variant-numeric:tabular-nums;flex:none;
}
.lg-panel dl{margin:0 0 26px}
.lg-panel dt{font-family:'Poppins';font-size:16px;font-weight:600;color:var(--ink);margin-top:20px}
.lg-panel dd{font-size:16.5px;line-height:1.75;color:var(--body);margin:6px 0 0}
@media(max-width:900px){
  .lg-doc{grid-template-columns:1fr;gap:0}
  .lg-toc{position:static;margin-bottom:34px}
  .art-panel{padding:36px 26px}
}

/* two-line figures inside a schedule cell (fee above, monthly payment below) */
.sched td span{
  display:block;font-size:12.5px;color:var(--muted);margin-top:4px;
  font-variant-numeric:tabular-nums;
}

/* ---------- apply page ---------- */
/* ONE background for the whole content area. #1B1F26 sits a shade under the
   footer's --dark (#22262E) so the footer still reads as a separate close. */
.ap-page{background:#1B1F26}
.ap-hero{padding:130px 0 96px;position:relative;overflow:hidden}
.ap-hero::after{
  content:'';position:absolute;inset:-25% -20% auto 42%;height:640px;
  background:radial-gradient(closest-side,rgba(216,164,77,.15),transparent 72%);pointer-events:none;
}
.ap-grid{
  display:grid;grid-template-columns:1.14fr .86fr;gap:64px;
  align-items:center;position:relative;z-index:2;
}

.ap-copy .eyebrow{color:var(--gold-br)}
.ap-copy h1{
  font-family:'Poppins';font-size:clamp(31px,3.9vw,47px);font-weight:600;line-height:1.12;
  letter-spacing:-.02em;color:#fff;margin:14px 0 20px;
}
.ap-copy h1 em{font-style:normal;color:var(--gold-br)}
.ap-lead{font-size:17px;line-height:1.75;color:#B4BAC4;max-width:520px;margin-bottom:32px}

.ap-list{list-style:none;display:flex;flex-direction:column}
.ap-item{display:flex;gap:15px;align-items:flex-start;padding:17px 0;border-top:1px solid rgba(255,255,255,.10)}
.ap-item:last-child{border-bottom:1px solid rgba(255,255,255,.10)}
.ap-tick{
  flex:none;width:22px;height:22px;border-radius:7px;margin-top:1px;
  background:rgba(216,164,77,.16);border:1px solid rgba(216,164,77,.42);
  display:flex;align-items:center;justify-content:center;
}
.ap-item p{font-size:14.5px;line-height:1.68;color:#9AA2AD;margin:0}
.ap-item b{color:#fff;font-weight:600}
.ap-item a{color:var(--gold-br)}

.ap-flow{display:flex;flex-wrap:wrap;align-items:center;gap:12px;margin:30px 0 20px}
.ap-flow span{font-family:'Poppins';font-size:14.5px;font-weight:600;color:#fff}
.ap-flow i{color:var(--gold-br);font-style:normal}
.ap-safe{display:flex;gap:9px;align-items:flex-start;font-size:12.5px;line-height:1.6;color:#7E8693}
.ap-safe svg{flex:none;width:15px;height:15px;margin-top:2px;stroke:var(--gold-br)}
.ap-safe a{color:#B4BAC4;text-decoration:underline;text-underline-offset:3px}
.ap-safe a:hover{color:var(--gold-br)}

/* form card */
/* flat 4px gold rim — outer radius = inner + 4 so the band stays even round the corners */
.ap-col{
  scroll-margin-top:96px;position:relative;
  background:#E9C179;padding:4px;border-radius:24px;
  box-shadow:0 24px 60px rgba(0,0,0,.46);
}
.ap-card{background:#fff;border-radius:20px;overflow:hidden}
.ap-card-top,.ap-card-foot{
  display:flex;flex-wrap:wrap;align-items:center;gap:8px 20px;
  font-family:'Inter';font-size:10.5px;font-weight:600;letter-spacing:.13em;text-transform:uppercase;
}
.ap-card-top{padding:16px 24px;border-bottom:1px solid var(--line);color:var(--ink)}
.ap-card-top em{
  font-style:normal;display:inline-flex;align-items:center;justify-content:center;
  width:17px;height:17px;border-radius:50%;background:rgba(10,107,76,.12);color:#0A6B4C;font-size:10px;
}
.ap-card-foot{padding:14px 24px;border-top:1px solid var(--line);background:var(--bg-alt);color:var(--muted)}
.ap-form{padding:22px 20px;min-height:170px}
.ap-form #_lg_form_{max-width:100%}

/* requirements strip */
.ap-reqs{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;padding:0 0 8px}
.ap-req{display:flex;gap:14px;align-items:flex-start;padding:0 15px;position:relative}
.ap-req + .ap-req::before{content:'';position:absolute;left:0;top:4px;bottom:4px;width:1px;background:rgba(255,255,255,.12)}
/* NOTE: must out-specify ".ap-req div span" below, and must not be caught by it */
.ap-req-ic{
  flex:none;width:46px;height:46px;border-radius:14px;
  background:rgba(216,164,77,.13);border:1px solid rgba(216,164,77,.30);
  display:flex;align-items:center;justify-content:center;
}
.ap-req b{display:block;font-family:'Poppins';font-size:15.5px;font-weight:600;color:#fff;margin:4px 0 4px}
.ap-req div span{display:block;font-size:13px;line-height:1.62;color:#8F97A2}
.ap-req div a{color:var(--gold-br)}

.ap-fine{
  max-width:830px;margin:60px auto 0;text-align:center;
  font-size:12.5px;line-height:1.8;color:#7E8693;
}
.ap-fine b{color:#B4BAC4}
.ap-fine a{color:var(--gold-br);text-decoration:underline;text-underline-offset:3px}

@media(max-width:1000px){
  .ap-grid{grid-template-columns:1fr;gap:46px;align-items:start}
  .ap-lead{max-width:none}
  .ap-reqs{grid-template-columns:1fr 1fr;gap:34px 10px}
  .ap-req:nth-child(3)::before{display:none}
}
@media(max-width:620px){
  .ap-hero{padding:104px 0 76px}
  .ap-reqs{grid-template-columns:1fr;gap:26px}
  .ap-req::before{display:none!important}
  .ap-req{padding:0}
  .ap-form{padding:16px 12px}
}

/* ---------- tablet: bring Apply Now back into the bar ----------
   Between 561px and 860px the burger is already showing but the bar still has
   plenty of room, so the CTA does not have to hide inside the drawer. Below
   561px it goes away again — a phone bar cannot carry logo + button + burger. */
@media(min-width:561px) and (max-width:860px){
  .nav-cta{display:inline-flex;padding:11px 19px;font-size:10px;letter-spacing:.12em}
  .nav-cta .arw{display:none}
  .nav-right{gap:12px}
}

/* screen-reader-only heading, used where a section needs a heading level in the
   document outline but the design does not show one */
.sr-only{
  position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;
  overflow:hidden;clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;border:0;
}

/* safety net: an <svg> with no width/height and no rule renders at 300x150.
   Any icon inside a dropdown link is a chevron, so cap it regardless. */
.nav-drop a svg{width:12px;height:12px;flex:none}