@font-face{font-family:"Inter";font-style:normal;font-weight:400;font-display:swap;src:url(../fonts/inter-400.woff2) format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:500;font-display:swap;src:url(../fonts/inter-500.woff2) format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:600;font-display:swap;src:url(../fonts/inter-600.woff2) format("woff2")}
:root{--ink:#1B1916;--ink-2:#3A332B;--accent:#D2621C;--accent-dk:#A84A10;--accent-lt:#F39A4E;--bg:#F2EADC;--panel:#FAF6EF;--card:#FFFFFF;--text:#1F1B16;--muted:#5E574C;--line:#E1D5C0;--r:14px;--r-in:8px;--edge:0 1px 2px rgba(27,25,22,.05),0 8px 24px -14px rgba(27,25,22,.22);--gut:22px;--pad:clamp(1.4rem,4vw,2.9rem);--max:1200px;--sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;--serif:"Instrument Serif",Georgia,serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}
body{margin:0;background:var(--bg);color:var(--muted);font:400 16px/1.6 var(--sans);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;display:block}
a{color:var(--ink)}
h1,h2,h3,h4{color:var(--text);margin:0;font-weight:500;letter-spacing:-.02em;text-wrap:balance}
h1{font-size:clamp(2.1rem,4vw,3.2rem);line-height:1.08;letter-spacing:-.03em}
h2{font-size:clamp(1.6rem,2.8vw,2.15rem);line-height:1.16}
h3{font-size:1.15rem;line-height:1.3;font-weight:600;letter-spacing:-.01em}
p{margin:0 0 1em}
.skip{position:absolute;left:-9999px;top:8px;z-index:2147483001;background:var(--ink);color:#fff;padding:.6rem 1rem;border-radius:8px}
.skip:focus{left:12px}
.shell{width:min(var(--max),calc(100% - 2*var(--gut)));margin-inline:auto}
.card{background:var(--panel);border-radius:var(--r);box-shadow:var(--edge);padding:var(--pad);margin-bottom:var(--gut);position:relative}
.eyebrow{display:inline-flex;align-items:center;gap:.6rem;font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-dk);margin:0 0 .9rem}
.eyebrow::before{content:"";width:22px;height:2px;background:currentColor;border-radius:2px}
/* nav */
.nav-wrap{position:sticky;top:10px;z-index:2147483000;isolation:isolate;height:0}
.nav{width:min(var(--max),calc(100% - 2*var(--gut)));margin:0 auto;display:flex;align-items:center;gap:1.4rem;padding:.9rem var(--pad);border-radius:var(--r);transition:background .25s,box-shadow .25s,padding .25s}
.nav.scrolled{background:var(--panel);box-shadow:var(--edge);padding-block:.6rem}
.nav:not(.scrolled):not(.menu-open) .menu{background:rgba(250,246,239,.78);border-radius:999px;padding:0 .35rem}
.logo{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--ink);font-weight:600;font-size:.86rem;letter-spacing:.16em;text-transform:uppercase;white-space:nowrap}
.logo img{width:30px;height:30px}
.menu{display:flex;align-items:center;gap:.2rem;list-style:none;margin:0;padding:0}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{display:flex;align-items:center;gap:.3rem;min-height:44px;padding:0 .75rem;font:500 .92rem/1 var(--sans);color:var(--text);text-decoration:none;background:none;border:0;border-radius:8px;cursor:pointer;white-space:nowrap}
.menu>li>a:hover,.menu>li>button:hover{background:rgba(27,25,22,.06)}
.menu svg.chev{width:12px;height:12px;transition:transform .2s}
.dd{position:absolute;top:100%;left:0;margin:0;padding:.45rem;list-style:none;background:var(--panel);border-radius:calc(var(--r) - 6px);box-shadow:0 14px 34px -14px rgba(27,25,22,.35),0 0 0 1px var(--line);width:max-content;max-width:calc(100vw - 32px);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:5}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.dd a{display:block;padding:.62rem .85rem;border-radius:7px;color:var(--text);text-decoration:none;font-size:.95rem;white-space:nowrap}
.dd a:hover,.dd a:focus{background:var(--bg)}
.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.has-dd:hover .chev,.has-dd.open .chev{transform:rotate(180deg)}
.nav-gap{flex:1}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:46px;padding:0 1.35rem;border-radius:10px;font:600 .95rem/1 var(--sans);text-decoration:none;border:1px solid transparent;cursor:pointer;white-space:nowrap}
.btn-ink{background:var(--ink);color:#fff}
.btn-ink:hover{background:#000}
.btn-line{background:var(--card);color:var(--ink);border-color:var(--line)}
.btn-line:hover{border-color:var(--ink)}
.btn-pill{border-radius:999px}
.nav .btn{min-height:44px}
.burger{display:none;margin-left:auto;width:44px;height:44px;border:0;background:none;border-radius:8px;cursor:pointer}
.burger span{display:block;width:20px;height:2px;margin:4px auto;background:var(--ink);border-radius:2px}
/* hero / header card */
.hero{position:relative;overflow:hidden;border-radius:var(--r);background:var(--panel);box-shadow:var(--edge);margin-bottom:var(--gut)}
.hero-img{display:block}
.hero-text{position:relative;z-index:1;padding:calc(84px + 1.2rem) var(--pad) 2rem;max-width:calc(480px + 2*var(--pad))}
.hero h1{font-size:clamp(2rem,2.8vw,2.55rem)}
.home-hero h1{font-size:clamp(2.2rem,3.4vw,3rem)}
.hero-text .lead{font-size:1.06rem;line-height:1.55;color:var(--ink-2);margin:0 0 1.3rem}
.updated{font-size:.84rem;color:var(--ink-2);margin:.7rem 0 .9rem}
.crumbs{display:flex;flex-wrap:wrap;gap:.35rem;font-size:.84rem;color:var(--ink-2);margin:0 0 1rem;padding:0;list-style:none}
.crumbs a{color:var(--ink-2)}
.crumbs li+li::before{content:"/";margin-right:.35rem;opacity:.6}
.cta-row{display:flex;flex-wrap:wrap;gap:.7rem;align-items:center}
@media (min-width:1081px){
 .hero.fb{aspect-ratio:16/9}
 .hero.fb .hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
 .hero.fb::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,rgba(250,246,239,.72) 0,rgba(250,246,239,.62) calc(var(--pad) + 300px),rgba(250,246,239,.55) calc(var(--pad) + 480px),rgba(250,246,239,0) max(56%,calc(var(--pad) + 560px)));pointer-events:none}
 .hero.fb .hero-text{height:100%;display:flex;flex-direction:column;justify-content:center;padding-bottom:2.2rem}
}
@media (max-width:1080px){
 .hero{display:flex;flex-direction:column}
 .hero-text{padding-bottom:1.4rem}
 .hero .hero-img{order:2;width:min(calc(100% - 2*var(--pad)),720px);height:auto;aspect-ratio:16/9;margin:0 var(--pad) var(--pad);border-radius:var(--r-in);object-fit:cover}
 .hero-text{max-width:none}
}
@media (max-width:900px){
 .burger{display:block}
 .menu,.nav-gap,.nav>.btn{display:none}
 .nav.menu-open{background:var(--panel);box-shadow:var(--edge);flex-wrap:wrap}
 .nav.menu-open .menu{display:flex;flex-direction:column;align-items:stretch;width:100%;order:3}
 .nav.menu-open>.btn{display:inline-flex;order:4;width:100%}
 .menu>li>a,.menu>li>button{width:100%;justify-content:space-between;font-size:1rem}
 .dd{position:static;display:none;visibility:visible;opacity:1;box-shadow:none;background:transparent;width:auto;max-width:none;padding:0 0 .4rem .8rem;transition:none}
 .dd::before{display:none}
 .has-dd.open>.dd{display:block}
 .has-dd:hover>.dd{visibility:visible}
}
.hero .crumbs,.hero .crumbs a,.hero .updated,.hero-text .lead,.hero .chips-label,.hero .chips a,.hero .trust{color:var(--text)}
.hero .eyebrow{color:var(--ink)}
@media (min-width:1240px){.home-hero.fb .hero-img{transform-origin:0 0;transform:scale(1.15)}}
@media (min-width:1081px) and (max-width:1239px){.home-hero.fb{aspect-ratio:auto;display:flex;flex-direction:column}.home-hero.fb::after{display:none}.home-hero.fb .hero-text{height:auto;padding-bottom:1.4rem}.home-hero.fb .hero-img{position:static;order:2;width:min(calc(100% - 2*var(--pad)),720px);height:auto;aspect-ratio:16/9;margin:0 var(--pad) var(--pad);border-radius:var(--r-in);object-fit:cover}}
@font-face{font-family:"Instrument Serif";font-style:normal;font-weight:400;font-display:swap;src:url(../fonts/instrument-serif-sub.woff2) format("woff2")}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.muted{color:var(--muted)}
.small{font-size:.86rem}
.inner{background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);padding:1.4rem}
.blk-head{max-width:720px;margin-bottom:1.6rem}
.blk-head p{margin:0}
.lead-p{font-size:1.05rem;color:var(--ink-2)}
.link-arrow{display:inline-flex;align-items:center;gap:.35rem;font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line);padding-bottom:2px}
.link-arrow:hover{border-color:var(--ink)}
.link-arrow::after{content:"→"}
.grid{display:grid;gap:var(--gut)}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.stretch{align-items:stretch}
.stretch>*{display:flex;flex-direction:column}
.stretch>*>.push{margin-top:auto}
@media (max-width:1020px){.g3{grid-template-columns:repeat(2,minmax(0,1fr))}.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:700px){.g2,.g3,.g4{grid-template-columns:minmax(0,1fr)}}
.ico{width:22px;height:22px;flex:none;stroke:currentColor;fill:none;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.ico-box{width:42px;height:42px;border-radius:10px;display:grid;place-items:center;background:var(--bg);color:var(--ink);margin-bottom:.9rem}
/* avatars + rating */
.trust{display:flex;align-items:center;gap:.8rem;margin-top:1.4rem;flex-wrap:wrap;color:var(--ink-2);font-size:.9rem}
.avs{display:flex}
.avs img{width:38px;height:38px;border-radius:50%;border:2px solid #fff;object-fit:cover}
.avs img+img{margin-left:-10px}
.stars{display:inline-flex;gap:2px;color:var(--accent)}
.stars svg{width:15px;height:15px;fill:currentColor}
.stars .half{opacity:.35}
/* form card */
.form-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad);margin-bottom:var(--gut);position:relative;overflow:hidden;box-shadow:none}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--accent)}
.form-card .trustline{font-size:.92rem;color:var(--muted);margin:.4rem 0 1.4rem}
.form-embed{position:relative;z-index:1;isolation:isolate;min-height:120px;display:flex;justify-content:center}
.form-embed>#_lg_form_{width:100%}
@media (max-width:600px){.form-card{border-radius:12px;padding:1.3rem 1rem}}
/* intro (H2) */
.feat-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:1rem}
.feat-list li{display:flex;gap:.8rem;align-items:flex-start}
.feat-list strong{display:block;color:var(--text);font-weight:600}
/* dark band */
.band{background:var(--ink);color:rgba(255,255,255,.82);overflow:hidden;min-height:470px}
.band .band-img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:2/1;max-width:none;z-index:0}
.band::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,var(--ink) 0,var(--ink) calc(var(--pad) + 530px),rgba(27,25,22,.55) calc(var(--pad) + 690px),rgba(27,25,22,.15) 100%);pointer-events:none;border-radius:var(--r)}
.band>:not(img){position:relative;z-index:1}
.band-copy{max-width:520px}
.band h2{font-family:var(--serif);font-weight:400;color:#fff;font-size:clamp(2.2rem,4vw,3.1rem);line-height:1.05;letter-spacing:0;margin-bottom:1rem}
.values{list-style:none;margin:1.4rem 0;padding:0;display:flex;flex-direction:column;gap:.85rem}
.values li{display:flex;gap:.7rem;align-items:flex-start;color:rgba(255,255,255,.86)}
.values .ico{color:var(--accent-lt)}
.wordmark{font-size:clamp(2.4rem,6vw,4.4rem);font-weight:600;letter-spacing:.06em;color:#fff;line-height:1;margin:1.6rem 0 .4rem;text-transform:uppercase}
.band .sub{color:var(--accent-lt);font-weight:500}
@media (max-width:1020px){.band{min-height:0}.band .band-img{position:static;width:100%;height:auto;aspect-ratio:2/1;border-radius:var(--r-in);margin-top:1.4rem}.band::after{display:none}.band-copy{max-width:none}}
/* M6 eligibility (3:4 split fallback) */
.elig{display:grid;grid-template-columns:300px minmax(0,1fr);gap:0;padding:0;overflow:hidden}
.elig .elig-img{width:300px;height:400px;object-fit:cover;aspect-ratio:3/4}
.elig-body{padding:var(--pad);display:flex;flex-direction:column}
.checks{list-style:none;margin:1rem 0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.55rem 1.4rem}
.checks label{display:flex;gap:.55rem;align-items:center;cursor:pointer;color:var(--text);white-space:nowrap;font-size:.95rem}
.checks input{width:18px;height:18px;accent-color:var(--accent);flex:none}
.count{font-size:.86rem;color:var(--muted);margin:.2rem 0 1rem}
.count b{color:var(--text)}
.elig-body .link-arrow{margin-top:auto;align-self:flex-start}
@media (max-width:1020px){.elig{grid-template-columns:minmax(0,1fr)}.elig .elig-img{width:min(100%,420px);height:auto;margin:var(--pad) auto 0;border-radius:var(--r-in)}.elig-body{order:-1}}
@media (max-width:700px){.checks{grid-template-columns:minmax(0,1fr)}}
/* estimator */
.est{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:var(--pad);overflow:hidden;min-height:460px}
.est .est-img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}
.est::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 470px),rgba(250,246,239,.35) calc(var(--pad) + 620px),rgba(250,246,239,.2) 100%);pointer-events:none;border-radius:var(--r)}
.est>:not(img){position:relative;z-index:1}
.est-copy{max-width:460px;display:flex;flex-direction:column}
.facts{list-style:none;margin:1rem 0 1.4rem;padding:0;display:flex;flex-direction:column;gap:.8rem}
.facts li{display:flex;gap:.7rem;align-items:flex-start}
.facts strong{display:block;color:var(--text)}
.est-copy .link-arrow{margin-top:auto;align-self:flex-start}
.calc{background:var(--card);border-radius:var(--r-in);box-shadow:0 18px 40px -22px rgba(27,25,22,.45);padding:1.5rem;align-self:center}
.calc label{display:block;font-size:.84rem;font-weight:600;color:var(--text);margin:0 0 .4rem}
.calc .row{margin-bottom:1.1rem}
.calc input[type=range]{width:100%;accent-color:var(--ink)}
.calc select{width:100%;min-height:44px;border:1px solid var(--line);border-radius:8px;padding:0 .7rem;font:inherit;color:var(--text);background:#fff}
.amt-out{font-size:1.6rem;font-weight:600;color:var(--text)}
.result{background:var(--bg);border-radius:8px;padding:1rem;margin-top:.4rem}
.result .big{font-size:2rem;font-weight:600;color:var(--ink);line-height:1.1}
.result p{margin:.35rem 0 0;font-size:.84rem}
@media (max-width:1020px){.est{grid-template-columns:minmax(0,1fr)}.est .est-img,.est::after{display:none}.est-copy{max-width:none}}
/* M5 categories */
.cat-card{background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);padding:1.5rem;text-decoration:none;color:inherit;display:flex;flex-direction:column;transition:transform .2s}
.cat-card:hover{transform:translateY(-2px)}
.pill{display:inline-block;font-size:.72rem;font-weight:600;letter-spacing:.04em;padding:.3rem .65rem;border-radius:999px;background:var(--bg);color:var(--ink-2);margin-bottom:.9rem;align-self:flex-start}
.cat-card h3{margin-bottom:.4rem}
.cat-card p{margin:0 0 1rem}
.cat-card .link-arrow{margin-top:auto;align-self:flex-start}
/* M3 steps */
.steps{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:var(--gut);align-items:stretch}
.ring-card{background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);padding:1.5rem;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
.ring-card svg{width:210px;height:210px}
.ring-card .rv{font-size:2.2rem;font-weight:600;fill:var(--text)}
.ring-card .rl{font-size:.8rem;fill:var(--muted)}
.step-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.75rem}
.step-list li{flex:1 1 0;background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);padding:1rem 1.2rem;display:grid;grid-template-columns:40px minmax(0,1fr) auto;gap:.9rem;align-items:center}
.step-list .n{width:40px;height:40px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-weight:600}
.step-list strong{display:block;color:var(--text)}
.step-list .t{font-size:.78rem;font-weight:600;color:var(--accent-dk);background:var(--bg);padding:.3rem .6rem;border-radius:999px;white-space:nowrap}
.step-list p{margin:0;font-size:.92rem}
@media (max-width:900px){.steps{grid-template-columns:minmax(0,1fr)}.step-list li{grid-template-columns:40px minmax(0,1fr)}.step-list .t{grid-column:2;justify-self:start}}
/* M1 features */
.feat{background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);padding:1.5rem}
.feat h3{margin-bottom:.45rem}
.feat p{margin:0}
.feat.dark{background:var(--ink);color:rgba(255,255,255,.8)}
.feat.dark h3{color:#fff}
.feat.dark .ico-box{background:rgba(255,255,255,.1);color:var(--accent-lt)}
/* reviews */
.rsum{display:flex;align-items:center;gap:1.2rem;flex-wrap:wrap;background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);padding:1.1rem 1.4rem;margin-bottom:var(--gut)}
.rsum .num{font-size:2.4rem;font-weight:600;color:var(--text);line-height:1}
.rsum .stars svg{width:20px;height:20px}
.rsum .link-arrow{margin-left:auto}
.rev{background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);padding:1.35rem;display:flex;flex-direction:column}
.rev-top{display:flex;gap:.75rem;align-items:center;margin-bottom:.7rem}
.ini{width:40px;height:40px;border-radius:50%;background:var(--bg);color:var(--ink);display:grid;place-items:center;font-weight:600;font-size:.88rem;flex:none}
.rev-top strong{display:block;color:var(--text);font-size:.95rem}
.rev-top span{font-size:.82rem}
.rev h3{font-size:1rem;margin:.6rem 0 .35rem}
.rev p{margin:0 0 .8rem;font-size:.94rem}
.tag{margin-top:auto;font-size:.78rem;color:var(--ink-2);background:var(--bg);border-radius:999px;padding:.3rem .7rem;align-self:flex-start}
/* tables */
.tbl-wrap{overflow-x:auto;border-radius:var(--r-in);box-shadow:var(--edge);background:var(--card);margin:1rem 0 1.2rem}
table{border-collapse:collapse;width:100%;font-size:.94rem;color:var(--text)}
th,td{padding:.8rem 1rem;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--bg);font-weight:600;font-size:.84rem;letter-spacing:.02em}
tbody tr:last-child td{border-bottom:0}
.dots{letter-spacing:.12em;color:var(--accent);white-space:nowrap}
.dots i{font-style:normal;color:var(--line)}
/* M4 amount tabs */
.tabs{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:var(--gut);align-items:stretch}
.tab-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.6rem}
.tab-list li{flex:1 1 0;display:flex}
.tab-list a{flex:1;display:flex;flex-direction:column;justify-content:center;gap:.25rem;background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);padding:.85rem 1.1rem;text-decoration:none;border:1px solid transparent}
.tab-list a[aria-selected=true]{border-color:var(--ink)}
.tab-list .t1{color:var(--text);font-weight:600;white-space:nowrap}
.tab-list .t2{font-size:.84rem;white-space:nowrap}
.tab-panels{display:flex;flex-direction:column}
.tab-panel{flex:1;background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);padding:1.6rem;display:flex;flex-direction:column}
.tab-panel[hidden]{display:none}
.tp-amt{font-size:2.6rem;font-weight:600;color:var(--text);line-height:1}
.tp-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem;margin:1.2rem 0}
.tp-grid div{background:var(--bg);border-radius:8px;padding:.8rem 1rem}
.tp-grid b{display:block;color:var(--text);font-size:1.15rem}
.tp-grid span{font-size:.8rem}
.tab-panel .cta-row{margin-top:auto}
@media (max-width:900px){.tabs{grid-template-columns:minmax(0,1fr)}}
/* M2 tiers */
.tier{background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);padding:1.5rem;display:flex;flex-direction:column;text-decoration:none;color:inherit;position:relative}
.tier .badge{position:absolute;top:1rem;right:1rem;font-size:.7rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;background:var(--accent);color:#fff;padding:.3rem .6rem;border-radius:999px}
.tier .range{font-size:1.5rem;font-weight:600;color:var(--text);margin:.2rem 0 .4rem}
.bar{height:6px;border-radius:6px;background:var(--bg);overflow:hidden;margin:1rem 0}
.bar span{display:block;height:100%;background:var(--accent);border-radius:6px}
.tier p{margin:0 0 .6rem;font-size:.94rem}
.tier .link-arrow{margin-top:auto;align-self:flex-start}
/* T1 rates */
.t1{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:var(--gut);align-items:stretch}
.t1-left{display:flex;flex-direction:column}
.t1-left .tbl-wrap{margin-top:0}
.factors{flex:1;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem;background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);padding:1.2rem}
.factors h3{grid-column:1/-1;font-size:1rem}
.factors div{background:var(--bg);border-radius:8px;padding:.85rem 1rem}
.factors b{display:block;color:var(--text);font-size:.92rem;margin-bottom:.2rem}
.factors p{margin:0;font-size:.88rem}
.rep{background:var(--ink);color:rgba(255,255,255,.82);border-radius:var(--r-in);padding:1.6rem;display:flex;flex-direction:column}
.rep h3{color:#fff;margin-bottom:.8rem}
.rep .big{font-size:2.4rem;font-weight:600;color:#fff;line-height:1.1}
.rep dl{display:grid;grid-template-columns:auto 1fr;gap:.45rem 1rem;margin:1.1rem 0}
.rep dt{color:rgba(255,255,255,.65);font-size:.88rem}
.rep dd{margin:0;color:#fff;font-weight:500;text-align:right}
.rep a{color:#fff;margin-top:auto;align-self:flex-start;border-color:rgba(255,255,255,.35)}
@media (max-width:1020px){.t1{grid-template-columns:minmax(0,1fr)}}
@media (max-width:600px){.factors{grid-template-columns:minmax(0,1fr)}}
/* T5 NAP */
.who{overflow:hidden;min-height:440px;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,400px);gap:var(--pad);align-items:stretch}
.nap{display:flex;flex-direction:column;justify-content:center}
.who .who-img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}
.who::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 530px),rgba(250,246,239,.35) calc(var(--pad) + 680px),rgba(250,246,239,.15) 100%);pointer-events:none;border-radius:var(--r)}
.who>:not(img){position:relative;z-index:1}
.who-copy{max-width:520px}
.nap{background:var(--ink);color:rgba(255,255,255,.82);border-radius:var(--r-in);padding:1.6rem}
.nap strong{display:block;color:#fff;font-size:1.15rem;margin-bottom:.8rem}
.nap p{margin:0 0 .55rem}
.nap a{color:#fff}
.reviewed{background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);padding:1rem 1.2rem;font-size:.9rem;margin-top:1.2rem}
@media (max-width:1020px){.who{grid-template-columns:minmax(0,1fr);min-height:0}.who .who-img,.who::after{display:none}.who-copy{max-width:none}}
/* T6 FAQ */
.faq-wrap{display:grid;grid-template-columns:minmax(0,56fr) minmax(0,44fr);gap:var(--pad);align-items:stretch}
.faq-col{display:flex;flex-direction:column}
.acc details{background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);margin-bottom:.65rem;padding:0 1.2rem}
.acc summary{cursor:pointer;list-style:none;padding:1rem 0;font-weight:600;color:var(--text);display:flex;justify-content:space-between;gap:1rem;min-height:44px;align-items:center}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"+";font-size:1.3rem;color:var(--accent-dk);line-height:1}
.acc details[open] summary::after{content:"−"}
.acc details p{margin:0 0 1rem}
.faq-col .link-arrow{align-self:flex-start;margin-top:auto;padding-top:.8rem}
.faq-photo{position:relative;border-radius:var(--r-in);overflow:hidden}
.faq-photo img{position:sticky;top:96px;width:100%;height:min(100%,1424px);object-fit:cover}
@media (max-width:1100px){.faq-wrap{grid-template-columns:minmax(0,1fr)}.faq-photo{width:min(100%,420px);margin:0 auto}.faq-photo img{position:static;height:auto;aspect-ratio:3/5}}
/* lists in blocks */
.cols3 h3{margin-bottom:.5rem}
.cols3 p{margin:0}
.ul{margin:.4rem 0 0;padding-left:1.1rem}
.ul li{margin-bottom:.35rem}
/* CTA band */
.cta-band{background:var(--ink);color:rgba(255,255,255,.8);display:flex;align-items:center;justify-content:space-between;gap:var(--pad);flex-wrap:wrap}
.cta-band h2{color:#fff;margin-bottom:.4rem}
.cta-band .eyebrow{color:var(--accent-lt)}
.cta-band p{margin:0}
.btn-white{background:#fff;color:var(--ink)}
.btn-white:hover{background:var(--bg)}
/* footer */
.foot{margin-top:var(--gut)}
.foot-grid{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(3,minmax(0,1fr));gap:var(--pad)}
.foot .fh{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--text);margin:0 0 .9rem}
.foot ul{list-style:none;margin:0;padding:0}
.foot li{margin-bottom:.15rem}
.foot li a{display:inline-flex;align-items:center;min-height:32px;color:var(--muted);text-decoration:none;font-size:.94rem}
.foot li a:hover{color:var(--ink);text-decoration:underline}
.foot address{font-style:normal;font-size:.92rem;line-height:1.7}
.foot address a{color:var(--muted)}
.foot-legal{border-top:1px solid var(--line);margin-top:1.8rem;padding-top:1.4rem;font-size:.82rem;line-height:1.6}
.foot-legal p{margin:0 0 .7rem}
@media (max-width:1020px){.foot-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.foot-grid{grid-template-columns:minmax(0,1fr)}}
/* anchor chips */
.chips{display:flex;flex-wrap:nowrap;overflow-x:auto;gap:.45rem;margin:0 0 1.2rem;padding:0 0 .3rem;list-style:none;scrollbar-width:thin;max-width:100%}
.chips a{display:inline-flex;align-items:center;min-height:36px;padding:0 .8rem;border-radius:999px;background:rgba(255,255,255,.78);border:1px solid var(--line);color:var(--ink-2);font-size:.82rem;text-decoration:none;white-space:nowrap}
.chips a:hover{border-color:var(--ink);color:var(--ink)}
.chips-label{font-size:.74rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-2);margin:0 0 .45rem}
/* inner section cards */
.sec{display:grid;grid-template-columns:minmax(0,280px) minmax(0,680px);gap:var(--pad);justify-content:space-between}
.sec-h{position:sticky;top:96px;align-self:start}
.sec-n{display:block;font-size:.8rem;font-weight:600;color:var(--accent-dk);letter-spacing:.08em;margin-bottom:.6rem}
.sec-b>:last-child{margin-bottom:0}
.sec.wide{display:block}
.sec.wide .sec-h{position:static;max-width:720px;margin-bottom:1.2rem}
.sec.narrow{display:block;max-width:none}
.sec.narrow .sec-h{position:static;margin-bottom:1rem}
.sec.narrow .sec-b{max-width:720px}
.prose h3{margin:1.5rem 0 .55rem}
.prose ul,.prose ol{padding-left:1.2rem;margin:0 0 1em}
.prose li{margin-bottom:.4rem}
.prose a{color:var(--ink);text-decoration-color:var(--accent);text-underline-offset:3px}
.prose strong{color:var(--text)}
.split-fig{float:right;width:min(40%,300px);margin:.3rem 0 1rem 1.6rem}
.split-fig img{width:100%;height:auto;aspect-ratio:3/4;object-fit:cover;border-radius:var(--r-in)}
.clear{clear:both}
@media (max-width:1020px){.sec{grid-template-columns:minmax(0,1fr);gap:.9rem}.sec-h{position:static}}
@media (max-width:600px){.split-fig{float:none;width:min(100%,420px);margin:0 auto 1.2rem}}
.tier-row{margin:1.2rem 0}
/* faq expanded */
.qa{border-bottom:1px solid var(--line);padding:1rem 0}
.qa:first-child{padding-top:0}
.qa:last-child{border-bottom:0;padding-bottom:0}
.qa h3{font-size:1.05rem;margin-bottom:.4rem}
.qa p{margin:0}
/* related + author */
.rel-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:var(--gut);align-items:stretch}
.rel-list{list-style:none;margin:0;padding:0}
.rel-list li{border-bottom:1px solid var(--line)}
.rel-list li:last-child{border-bottom:0}
.rel-list a{display:flex;justify-content:space-between;gap:1rem;padding:.75rem 0;color:var(--text);text-decoration:none;min-height:44px;align-items:center}
.rel-list a::after{content:"→";color:var(--accent-dk)}
.author{display:flex;gap:1rem;align-items:flex-start}
.author .ini{width:56px;height:56px;font-size:1.05rem;background:var(--ink);color:#fff}
.author strong{display:block;color:var(--text)}
@media (max-width:800px){.rel-grid{grid-template-columns:minmax(0,1fr)}}
.share{display:flex;gap:.5rem;flex-wrap:wrap;margin-top:1rem}
.share a{display:inline-flex;align-items:center;min-height:40px;padding:0 .9rem;border:1px solid var(--line);border-radius:999px;font-size:.84rem;text-decoration:none;color:var(--ink-2);background:var(--card)}
.explore h3{font-size:1rem;margin:0 0 .7rem}
.chip-set{display:flex;flex-wrap:wrap;gap:.5rem;margin-bottom:1.2rem;list-style:none;padding:0}
.chip-set a{display:inline-flex;align-items:center;min-height:40px;padding:0 .95rem;border-radius:999px;background:var(--card);border:1px solid var(--line);color:var(--text);text-decoration:none;font-size:.9rem}
.chip-set a:hover{border-color:var(--ink)}
/* blog cards */
.post-card{background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);overflow:hidden;display:flex;flex-direction:column;text-decoration:none;color:inherit}
.post-card img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.post-card .pc{padding:1.2rem 1.3rem 1.4rem;display:flex;flex-direction:column;flex:1}
.post-card .cat{font-size:.72rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-dk);margin-bottom:.5rem}
.post-card h3{font-size:1.08rem;margin-bottom:.5rem}
.post-card p{margin:0 0 .9rem;font-size:.92rem}
.post-card .by{margin-top:auto;font-size:.8rem}
/* lenders */
.lender{background:var(--card);border-radius:var(--r-in);box-shadow:var(--edge);padding:1.4rem;display:flex;flex-direction:column}
.lender h3{margin-bottom:.6rem}
.lender dl{display:grid;grid-template-columns:auto 1fr;gap:.3rem .9rem;margin:0 0 .8rem;font-size:.88rem}
.lender dt{color:var(--muted)}
.lender dd{margin:0;color:var(--text)}
.lender p{margin:0;font-size:.92rem}
/* glossary */
.terms dt{font-weight:600;color:var(--text);margin-top:1rem;scroll-margin-top:96px}
.terms dt:first-child{margin-top:0}
.terms dd{margin:.25rem 0 0}
.letters{display:flex;flex-wrap:wrap;gap:.4rem;list-style:none;margin:0;padding:0}
.letters a{display:grid;place-items:center;width:40px;height:40px;border-radius:8px;background:var(--card);border:1px solid var(--line);text-decoration:none;color:var(--text);font-weight:600}
/* calculator page */
.calc-page{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:var(--pad);align-items:stretch}
.calc-page .calc{align-self:stretch;display:flex;flex-direction:column;justify-content:space-between}
.calc-page>div>p:last-child{margin-bottom:0}
@media (max-width:900px){.calc-page{grid-template-columns:minmax(0,1fr)}}
/* scroll top + sticky bar */
.to-top{position:fixed;right:1.4rem;bottom:1.4rem;width:56px;height:56px;border-radius:50%;border:0;background:var(--card);box-shadow:0 8px 24px -10px rgba(0,0,0,.35);cursor:pointer;z-index:2147482000;opacity:0;transform:translateY(12px) scale(.9);transition:opacity .25s,transform .25s,box-shadow .2s;pointer-events:none;padding:0}
.to-top.show{opacity:1;transform:none;pointer-events:auto}
.to-top:hover{box-shadow:0 10px 28px -8px rgba(0,0,0,.45),0 0 0 6px rgba(210,98,28,.12)}
.to-top svg.ring{position:absolute;inset:0;width:56px;height:56px;transform:rotate(-90deg)}
.to-top .trk{fill:none;stroke:var(--line);stroke-width:3}
.to-top .prg{fill:none;stroke:var(--accent);stroke-width:3;stroke-linecap:round;stroke-dasharray:157.08;stroke-dashoffset:157.08;transition:stroke-dashoffset .12s linear}
.to-top .arr{position:absolute;left:50%;top:50%;width:18px;height:18px;margin:-9px 0 0 -9px;stroke:var(--ink);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.to-top .pct{position:absolute;left:50%;bottom:-1.4rem;transform:translateX(-50%);font-size:.62rem;font-weight:600;letter-spacing:.08em;color:var(--muted)}
.sbar{display:none}
@media (max-width:600px){
 .to-top{display:none}
 .sbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:2147481000;background:var(--panel);box-shadow:0 -8px 24px -12px rgba(0,0,0,.3);padding:.65rem 1rem;align-items:center;justify-content:space-between;gap:.8rem;transform:translateY(110%);transition:transform .25s}
 .sbar.show{transform:none}
 .sbar span{font-size:.84rem;color:var(--text);font-weight:500}
 body{padding-bottom:76px}
}
.err{text-align:left}
@media print{.nav-wrap,.to-top,.sbar,.form-card{display:none}}
/* v3 polish */
.card h2+p,.blk-head h2+p,.est-copy h2+p,.elig-body h2+p,.who-copy h2+p,.faq-col h2+p,.band-copy h2+p{margin-top:.75rem}
.inner h3{margin-bottom:.55rem}
.wordmark{white-space:nowrap;font-size:clamp(2rem,4.6vw,3.6rem)}
.tier .badge{position:static;align-self:flex-start;margin-bottom:.6rem}
.elig-body{padding:1.6rem 2.2rem}
.elig-body h2{font-size:clamp(1.45rem,2.4vw,1.85rem)}
.elig-body .checks{margin:.7rem 0}
.elig-body .count{margin:.1rem 0 .7rem}
.rep .terms-mini{list-style:none;margin:0 0 1.2rem;padding:.9rem 0 0;border-top:1px solid rgba(255,255,255,.15);font-size:.88rem}
.rep .terms-mini li{display:flex;justify-content:space-between;padding:.25rem 0;color:rgba(255,255,255,.75)}
.rep .terms-mini b{color:#fff;font-weight:500}
.hero h1+.lead{margin-top:.9rem}