/* TruLends — Design v2 (quiet editorial fintech). Seed tokens: Plus Jakarta Sans / Libre Caslon Text (band only), radius 22, card edge shadow+hairline, eyebrow plain */
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:400;font-display:swap;src:url(fonts/plus-jakarta-sans-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:500;font-display:swap;src:url(fonts/plus-jakarta-sans-latin-500-normal.woff2) format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:600;font-display:swap;src:url(fonts/plus-jakarta-sans-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Libre Caslon Text";font-style:normal;font-weight:400;font-display:swap;src:url(fonts/libre-caslon-text-band-subset.woff2) format("woff2")}
:root{
  --ink:#4B5320;--ink-2:#3C4319;--accent:#6FA13C;--accent-d:#A8D07A;--accent-t:#4F7A26;
  --bg:#F3F5EE;--panel:#FAFBF7;--card:#FFFFFF;--line:#E1E6D6;--line-2:#CFD7C1;--text:#1C2114;--muted:#5A6150;--soft:#EEF2E6;
  --r:22px;--r-in:16px;--r-btn:10px;--gap:22px;--max:1200px;--pad:clamp(1.4rem,4vw,2.9rem);
  --edge:1px solid var(--line);--shadow:0 1px 2px rgba(28,33,20,.04),0 10px 26px -16px rgba(28,33,20,.22);
  --sans:"Plus Jakarta Sans",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --serif:"Libre Caslon Text",Georgia,"Times New Roman",serif;
  --hero-text:#1F2516;--hero-sub:#2B3220;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--sans);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--ink);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--ink-2)}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px;border-radius:6px}
h1,h2,h3{color:var(--text);font-weight:500;line-height:1.15;margin:0;text-wrap:balance}
h1{font-size:clamp(2.1rem,4.2vw,3.2rem);letter-spacing:-.03em}
h2{font-size:clamp(1.55rem,2.8vw,2.1rem);letter-spacing:-.02em}
h3{font-size:1.12rem;font-weight:600;letter-spacing:-.01em}
p{margin:0}
.skip{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:.7rem 1rem;z-index:2147483001;border-radius:0 0 10px 0}
.skip:focus{left:0}
.wrap{max-width:calc(var(--max) + 32px);margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
.stack{display:grid;grid-template-columns:minmax(0,1fr);gap:var(--gap);padding-block:14px 26px}
.card{background:var(--panel);border:var(--edge);border-radius:var(--r);box-shadow:var(--shadow);padding:var(--pad);position:relative}
.inner{background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px);box-shadow:var(--shadow)}
.eyebrow{display:inline-block;font-size:.72rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-t);margin-bottom:.7rem}
.muted{color:var(--muted)}
.lead{font-size:1.06rem;color:var(--muted);max-width:60ch;text-wrap:pretty}
.answer{text-wrap:balance}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:46px;padding:.7rem 1.25rem;border-radius:var(--r-btn);font-weight:600;font-size:.95rem;text-decoration:none;border:1px solid transparent;cursor:pointer;font-family:inherit;line-height:1.2}
.btn-primary{background:var(--ink);color:#fff}
.btn-primary:hover{background:var(--ink-2);color:#fff}
.btn-ghost{background:var(--card);color:var(--text);border-color:var(--line-2)}
.btn-ghost:hover{border-color:var(--ink);color:var(--ink)}
.btn-light{background:#fff;color:var(--ink)}
.btn-light:hover{background:var(--soft);color:var(--ink-2)}
.btns{display:flex;flex-wrap:wrap;gap:.7rem;align-items:center}

/* ---------- nav (sticky floating bar, z-index fix for third-party form) ---------- */
.site-nav{position:sticky;top:10px;z-index:2147483000;isolation:isolate;margin-bottom:-78px;height:78px;pointer-events:none}
.site-nav .bar{pointer-events:auto;height:64px;margin-top:4px;display:flex;align-items:center;gap:1rem;padding:0 14px 0 18px;border-radius:var(--r);border:1px solid transparent;transition:background .2s,box-shadow .2s,border-color .2s}
.site-nav.scrolled .bar{background:var(--panel);border-color:var(--line);box-shadow:0 10px 30px -18px rgba(28,33,20,.45)}
.logo{display:inline-flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--text);font-weight:600;letter-spacing:.16em;font-size:.86rem;text-transform:uppercase;white-space:nowrap;flex:0 0 auto}
.logo img{width:34px;height:34px}
.menu{display:flex;align-items:center;gap:.15rem;list-style:none;margin:0;padding:.3rem;border-radius:999px;background:rgba(250,251,247,.86);border:1px solid rgba(207,215,193,.7)}
.site-nav.scrolled .menu{background:transparent;border-color:transparent}
.menu>li{position:relative}
.menu a,.menu button.dd-btn{display:inline-flex;align-items:center;gap:.3rem;min-height:40px;padding:.45rem .8rem;border-radius:999px;font:500 .9rem/1.2 var(--sans);color:var(--text);text-decoration:none;background:none;border:0;cursor:pointer;white-space:nowrap}
.menu a:hover,.menu button.dd-btn:hover,.menu>li:hover>button.dd-btn{background:var(--soft);color:var(--ink)}
.dd-btn svg{width:14px;height:14px;transition:transform .2s}
.dd{position:absolute;left:0;top:100%;margin:0;list-style:none;padding:.45rem;background:var(--panel);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);box-shadow:0 18px 40px -20px rgba(28,33,20,.45);width:max-content;max-width:calc(100vw - 32px);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:3}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.dd a{display:flex;border-radius:10px;padding:.55rem .8rem;white-space:nowrap;min-height:40px}
.menu>li:hover>.dd,.menu>li:focus-within>.dd,.menu>li.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.nav-gap{flex:1 1 auto;min-width:1rem}
.nav-cta{flex:0 0 auto;border-radius:999px;min-height:44px}
.burger{display:none;margin-left:auto;width:46px;height:46px;border-radius:12px;border:1px solid var(--line-2);background:var(--panel);cursor:pointer;align-items:center;justify-content:center}
.burger svg{width:22px;height:22px}
@media (max-width:1040px){.menu a,.menu button.dd-btn{padding:.45rem .55rem;font-size:.86rem}.logo{letter-spacing:.1em}}
@media (max-width:900px){
  .site-nav .bar{background:var(--panel);border-color:var(--line);box-shadow:0 10px 30px -18px rgba(28,33,20,.45)}
  .burger{display:inline-flex}
  .nav-gap,.nav-cta.desk{display:none}
  .menu{display:none;position:absolute;left:0;right:0;top:72px;flex-direction:column;align-items:stretch;gap:.2rem;padding:.6rem;border-radius:var(--r);background:var(--panel);border:1px solid var(--line);box-shadow:0 22px 50px -24px rgba(28,33,20,.5);max-height:calc(100vh - 110px);overflow:auto}
  .site-nav.menu-open .menu{display:flex}
  .menu a,.menu button.dd-btn{width:100%;justify-content:space-between;border-radius:12px;min-height:46px;font-size:.98rem}
  .dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;background:var(--soft);width:auto;max-width:none;margin:.2rem 0 .3rem}
  .dd::before{display:none}
  .menu>li.open>.dd{display:block}
  .menu>li.open>button.dd-btn svg{transform:rotate(180deg)}
  .menu .m-cta{display:flex!important;justify-content:center;background:var(--ink);color:#fff;margin-top:.3rem}
}
.menu .m-cta{display:none}

/* ---------- hero / header card (full-bleed 16:9 ≥ breakpoint) ---------- */
.hero{position:relative;overflow:hidden;border-radius:var(--r);border:var(--edge);background:var(--panel);box-shadow:var(--shadow)}
.hero .hero-text{position:relative;z-index:1;padding:calc(78px + 1.6rem) var(--pad) var(--pad);display:flex;flex-direction:column;gap:.85rem;max-width:calc(480px + 2 * var(--pad))}
.hero .hero-img{display:block;width:100%;height:auto;aspect-ratio:16/9;border-radius:var(--r-in);max-width:720px;margin:0 var(--pad) var(--pad);width:calc(100% - 2 * var(--pad))}
.hero h1{font-size:clamp(2rem,3.6vw,3rem)}
.hero.inner-hdr h1{font-size:clamp(1.7rem,2.8vw,2.35rem)}
.hero.inner-hdr .hero-text{gap:.7rem}
.crumbs{font-size:.8rem;color:var(--hero-sub);display:flex;flex-wrap:wrap;gap:.35rem;align-items:center;list-style:none;margin:0;padding:0}
.crumbs a{color:var(--hero-sub);text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.crumbs li+li::before{content:"/";margin-right:.35rem;opacity:.6}
.updated{font-size:.8rem;color:var(--muted)}
.chips{display:flex;flex-wrap:nowrap;gap:.45rem;overflow-x:auto;scrollbar-width:thin;padding-bottom:4px;max-width:100%;list-style:none;margin:0;padding-left:0}
.chips a{flex:0 0 auto;display:inline-flex;align-items:center;min-height:34px;padding:.3rem .8rem;border-radius:999px;border:1px solid var(--line-2);background:rgba(255,255,255,.88);font-size:.8rem;font-weight:500;color:var(--text);text-decoration:none;white-space:nowrap}
.chips a:hover{border-color:var(--ink);color:var(--ink)}
.chips-label{font-size:.72rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--hero-sub)}
.trust-row{display:flex;align-items:center;gap:.8rem;flex-wrap:wrap;font-size:.86rem;color:var(--hero-sub)}
.avatars{display:flex}
.avatars img{width:40px;height:40px;border-radius:50%;border:2px solid #fff;object-fit:cover;margin-left:-10px;background:var(--soft)}
.avatars img:first-child{margin-left:0}
.stars{display:inline-flex;gap:2px;vertical-align:middle}
.stars svg{width:15px;height:15px}
.byline{display:flex;align-items:center;gap:.7rem;font-size:.86rem;color:var(--hero-text)}
.initials{width:40px;height:40px;border-radius:50%;background:var(--ink);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-weight:600;font-size:.85rem;flex:0 0 auto}
@media (min-width:1101px){
  .hero.fb{aspect-ratio:16/9}
  .hero.fb .hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;max-width:none;margin:0;border-radius:0;aspect-ratio:auto;z-index:0}
  .hero.fb::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:linear-gradient(90deg,rgba(250,251,247,.72) 0,rgba(250,251,247,.62) calc(var(--pad) + 300px),rgba(250,251,247,.55) calc(var(--pad) + 480px),rgba(250,251,247,0) max(56%,calc(var(--pad) + 560px)))}
  .hero.fb .hero-text{height:100%;justify-content:center;padding-top:calc(78px + .6rem);padding-bottom:1.6rem}
  .hero.fb .lead{color:var(--hero-sub)}
  .hero.fb .updated{color:var(--hero-sub)}
  .hero.fb .eyebrow{color:var(--ink-2)}
}

/* ---------- form card ---------- */
.form-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad);position:relative;z-index:1;isolation:isolate;box-shadow:none}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--accent);border-radius:var(--r) var(--r) 0 0}
.form-card .form-head{text-align:center;display:grid;gap:.4rem;margin-bottom:1.2rem}
.form-card .form-head h2{font-size:clamp(1.4rem,2.4vw,1.8rem)}
.form-card .form-head p{color:var(--muted);font-size:.92rem}
.form-embed{position:relative;z-index:1;isolation:isolate;display:flex;justify-content:center}
.form-embed>#_lg_form_{width:100%}
@media (max-width:600px){.form-card{border-radius:12px;padding:1.2rem .8rem}.form-card::before{border-radius:12px 12px 0 0}}

/* ---------- inner page sections ---------- */
.sec{display:grid;grid-template-columns:minmax(290px,1fr) minmax(0,680px);gap:clamp(1.2rem,4vw,3.4rem)}
.sec .sec-head{position:relative}
.sec .sec-head>div{position:sticky;top:96px}
.sec-num{font-size:.78rem;font-weight:600;letter-spacing:.12em;color:var(--accent-t);margin-bottom:.6rem;font-variant-numeric:tabular-nums}
.sec .body{display:grid;gap:1rem;min-width:0;color:#2E3524}
.sec.wide{grid-template-columns:1fr;row-gap:1.1rem}
.sec.wide .sec-head>div{position:static}
.body ul,.body ol{margin:0;padding-left:1.25rem;display:grid;gap:.45rem}
.body li::marker{color:var(--accent-t)}
.note{background:var(--soft);border:1px solid var(--line);border-radius:var(--r-in);padding:1rem 1.2rem;font-size:.95rem}
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-in);background:var(--card)}
table{border-collapse:collapse;width:100%;font-size:.92rem;font-variant-numeric:tabular-nums}
caption{text-align:left;padding:.85rem 1rem .4rem;font-weight:600;font-size:.9rem;color:var(--text)}
th,td{padding:.7rem 1rem;text-align:left;border-top:1px solid var(--line);vertical-align:top}
@media (max-width:600px){.tbl table:has(thead th:nth-child(4)){min-width:560px}.tbl table:has(thead th:nth-child(4)) td:first-child{min-width:130px}}
thead th{border-top:0;background:var(--soft);font-weight:600;font-size:.82rem;color:var(--text)}
tbody tr:nth-child(even) td{background:#FCFDF9}
.sec .body.flow{display:block}
.sec .body.flow>*+*{margin-top:1rem}
.sec .body.flow::after{content:"";display:table;clear:both}
.split-img{float:right;width:300px;height:auto;aspect-ratio:3/4;margin:.2rem 0 1rem 1.4rem;border-radius:var(--r-in);object-fit:cover}
@media (max-width:1020px){.sec{grid-template-columns:1fr}.sec .sec-head>div{position:static}.sec .body.flow .split-img{float:none;display:block;width:100%;max-width:420px;margin:0 auto 1rem}}

/* tier / option cards (M2 design) */
.tiers{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.tier{background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px);box-shadow:var(--shadow);padding:1.35rem;display:flex;flex-direction:column;gap:.55rem;text-decoration:none;color:var(--text);position:relative}
a.tier:hover{border-color:var(--ink)}
.tier .amt{font-size:1.6rem;font-weight:600;letter-spacing:-.02em;color:var(--ink);font-variant-numeric:tabular-nums}
.tier .meta{font-size:.85rem;color:var(--muted)}
.tier .bar{height:6px;border-radius:999px;background:var(--soft);overflow:hidden;margin-top:auto}
.tier .bar i{display:block;height:100%;background:var(--accent);border-radius:999px}
.badge{position:absolute;top:-11px;right:16px;background:var(--ink);color:#fff;font-size:.68rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:.25rem .6rem;border-radius:999px}
@media (max-width:900px){.tiers{grid-template-columns:1fr}}

/* explore + related + faq + author */
.explore{display:grid;gap:1.1rem}
.chip-list{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;margin:0;padding:0}
.chip-list a{display:inline-flex;align-items:center;min-height:40px;padding:.4rem .9rem;border-radius:999px;border:1px solid var(--line-2);background:var(--card);text-decoration:none;font-size:.9rem;font-weight:500;color:var(--text)}
.chip-list a:hover{border-color:var(--ink);color:var(--ink)}
.faq-list{display:grid;gap:1rem}
.faq-item{background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px);padding:1.15rem 1.3rem}
.faq-item h3{margin-bottom:.4rem}
.faq-item p{color:#2E3524}
.two-col{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:var(--gap);align-items:stretch}
.two-col>.card{display:flex;flex-direction:column;gap:.9rem}
.link-list{list-style:none;margin:0;padding:0;display:grid;gap:.15rem}
.link-list a{display:flex;align-items:center;min-height:44px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--text);font-weight:500}
.link-list a:hover{color:var(--ink)}
.author{display:flex;gap:1rem;align-items:flex-start}
.author .initials{width:52px;height:52px;font-size:1rem}
.share{display:flex;gap:.5rem;flex-wrap:wrap}
.share a,.share button{display:inline-flex;align-items:center;min-height:40px;padding:.35rem .85rem;border-radius:999px;border:1px solid var(--line-2);background:var(--card);font:500 .85rem var(--sans);color:var(--text);text-decoration:none;cursor:pointer}
.verdict{border-left:4px solid var(--accent);background:var(--card)}
.related-posts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
@media (max-width:1020px){.two-col{grid-template-columns:1fr}}
@media (max-width:760px){.related-posts{grid-template-columns:1fr}}

/* post / blog cards */
.post-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.post-card{display:flex;flex-direction:column;background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px);box-shadow:var(--shadow);overflow:hidden;text-decoration:none;color:var(--text)}
.post-card img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.post-card .pc-body{padding:1rem 1.15rem 1.2rem;display:flex;flex-direction:column;gap:.4rem;flex:1}
.post-card .pc-ex{font-size:.88rem;color:var(--muted);line-height:1.5}
.post-card .pc-more{margin-top:auto;padding-top:.35rem;font-size:.86rem;font-weight:600;color:var(--accent-t)}
.post-card .pc-cat{font-size:.7rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-t)}
.post-card h3{font-size:1.02rem;line-height:1.3}
.post-card:hover{border-color:var(--ink)}
@media (max-width:1020px){.post-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.post-grid{grid-template-columns:1fr}}

/* stat strip */
.stat-strip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;padding:0;overflow:hidden}
.stat{padding:1.1rem 1.3rem;border-left:1px solid var(--line)}
.stat:first-child{border-left:0}
.stat b{display:block;font-size:1.3rem;font-weight:600;color:var(--ink);letter-spacing:-.01em;font-variant-numeric:tabular-nums}
.stat span{font-size:.82rem;color:var(--muted)}
@media (max-width:760px){.stat-strip{grid-template-columns:repeat(2,minmax(0,1fr))}.stat:nth-child(3){border-left:0}.stat:nth-child(n+3){border-top:1px solid var(--line)}}

/* CTA band */
.cta-band{background:var(--ink);color:#fff;border-radius:var(--r);padding:clamp(1.8rem,5vw,3.2rem) var(--pad);display:grid;grid-template-columns:minmax(0,1fr) auto;gap:1.4rem;align-items:center}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.85);margin-top:.5rem;max-width:58ch}
.cta-band .eyebrow{color:var(--accent-d)}
@media (max-width:760px){.cta-band{grid-template-columns:1fr}}

/* footer */
.site-foot{background:var(--panel);border:var(--edge);border-radius:var(--r);padding:var(--pad);display:grid;gap:1.6rem;margin-bottom:26px}
.foot-grid{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(3,minmax(0,1fr));gap:1.6rem}
.foot-grid .fh{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-t);margin-bottom:.6rem}
.foot-grid ul{list-style:none;margin:0;padding:0;display:grid;gap:.1rem}
.foot-grid ul a{display:inline-flex;min-height:36px;align-items:center;text-decoration:none;color:var(--text);font-size:.9rem}
.foot-grid ul a:hover{color:var(--ink);text-decoration:underline}
.nap{font-style:normal;font-size:.9rem;color:var(--muted);display:grid;gap:.25rem}
.nap a{color:var(--text)}
.disclosure{border-top:1px solid var(--line);padding-top:1.2rem;font-size:.8rem;color:var(--muted);display:grid;gap:.6rem}
@media (max-width:900px){.foot-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.foot-grid>div:first-child{grid-column:1/-1}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}

/* scroll-to-top ring + mobile sticky bar */
.totop{position:fixed;right:calc(1.4rem + env(safe-area-inset-right,0px));bottom:calc(1.6rem + env(safe-area-inset-bottom,0px));width:56px;height:56px;border-radius:50%;background:var(--card);border:0;box-shadow:0 8px 24px -10px rgba(0,0,0,.35);cursor:pointer;z-index:900;opacity:0;transform:translateY(12px) scale(.9);pointer-events:none;transition:opacity .25s,transform .25s,box-shadow .2s}
.totop.show{opacity:1;transform:none;pointer-events:auto}
.totop:hover{box-shadow:0 12px 28px -10px rgba(0,0,0,.45),0 0 0 6px rgba(111,161,60,.15)}
.totop svg.ring{position:absolute;inset:0;transform:rotate(-90deg)}
.totop .trk{fill:none;stroke:var(--line);stroke-width:3}
.totop .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}
.totop .arrow{position:absolute;left:50%;top:50%;width:18px;height:18px;margin:-9px 0 0 -9px;color:var(--ink)}
.totop .pct{position:absolute;left:50%;bottom:-1.4rem;transform:translateX(-50%);font-size:.62rem;font-weight:600;letter-spacing:.08em;color:var(--muted);font-variant-numeric:tabular-nums}
.mbar{display:none}
@media (max-width:600px){
  .totop{display:none}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:900;gap:.8rem;align-items:center;justify-content:space-between;background:var(--panel);border-top:1px solid var(--line);padding:.6rem max(16px,env(safe-area-inset-right,0px)) calc(.6rem + env(safe-area-inset-bottom,0px)) max(16px,env(safe-area-inset-left,0px));box-shadow:0 -10px 30px -20px rgba(28,33,20,.5);transform:translateY(110%);transition:transform .25s}
  .mbar.show{transform:none}
  .mbar span{font-size:.84rem;font-weight:500}
  body{padding-bottom:76px}
}

/* ---------- home blocks ---------- */
.intro2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(1.2rem,3vw,2.4rem)}
.intro2>div{display:flex;flex-direction:column;gap:.75rem;align-items:flex-start}
.intro2 .more{font-weight:600}
.feat4{list-style:none;margin:1.6rem 0 0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.feat4 li{background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px);padding:1.1rem 1.15rem;display:flex;flex-direction:column;gap:.45rem}
.feat4 b{font-size:.98rem;margin-top:.2rem}
.feat4 span:not(.ico){font-size:.88rem;color:var(--muted)}
.feat-list{list-style:none;margin:0;padding:0;display:grid;gap:.85rem}
.feat-list li{display:grid;grid-template-columns:38px 1fr;gap:.75rem;align-items:start}
.ico{width:38px;height:38px;border-radius:12px;background:var(--soft);display:inline-flex;align-items:center;justify-content:center;color:var(--ink)}
.ico svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.feat-list b{display:block;font-size:.95rem}
.feat-list span{font-size:.88rem;color:var(--muted)}
@media (max-width:1020px){.feat4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:760px){.intro2{grid-template-columns:1fr}}
@media (max-width:620px){.feat4{grid-template-columns:1fr}}
.band{--bw:540px;position:relative;overflow:hidden;border-radius:var(--r);background:#1E2412;color:#fff;min-height:440px;padding:clamp(1.6rem,2.6vw,2.4rem) var(--pad);display:flex;flex-direction:column;justify-content:center}
.band img.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,#1E2412 0,#1E2412 calc(var(--pad) + var(--bw) + 10px),rgba(30,36,18,.55) calc(var(--pad) + var(--bw) + 34px),rgba(30,36,18,0) calc(var(--pad) + var(--bw) + 60px))}
.band>:not(img){position:relative;z-index:1}
.band-copy{max-width:var(--bw);display:grid;gap:.85rem}
.band h2{font-family:var(--serif);font-weight:400;color:#fff;font-size:clamp(1.8rem,2.6vw,2.4rem);letter-spacing:-.01em;line-height:1.12}
.band .eyebrow{color:var(--accent-d)}
.band p{color:rgba(255,255,255,.82)}
.values{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.8rem;list-style:none;margin:.2rem 0 0;padding:0}
.values li{display:grid;grid-template-columns:30px 1fr;gap:.55rem;align-items:start}
.values .ico{width:30px;height:30px;background:rgba(168,208,122,.16);color:var(--accent-d)}
.values b{display:block;color:#fff;font-size:.92rem}
.values span{color:rgba(255,255,255,.75);font-size:.8rem;line-height:1.4}
.wordmark{font-size:clamp(2.2rem,4vw,3.2rem);font-weight:600;letter-spacing:-.04em;line-height:1;color:#fff;margin-top:.2rem}
.wordmark-sub{color:var(--accent-d);font-weight:500}
@media (max-width:1240px){.band{--bw:480px}}
@media (max-width:600px){.values{grid-template-columns:1fr}}
@media (max-width:1020px){.band{min-height:0;padding:0}.band::after{display:none}.band img.band-img{position:static;width:100%;height:auto;aspect-ratio:2/1;max-width:none}.band-copy{max-width:none;padding:var(--pad)}}
.feat-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.feat{background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px);box-shadow:var(--shadow);padding:1.35rem;display:grid;gap:.6rem;align-content:start}
.feat.dark{background:var(--ink);border-color:var(--ink);color:#fff}
.feat.dark h3{color:#fff}
.feat.dark p{color:rgba(255,255,255,.84)}
.feat.dark .ico{background:rgba(255,255,255,.12);color:var(--accent-d)}
.feat p{font-size:.92rem;color:var(--muted)}
@media (max-width:1020px){.feat-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.feat-grid{grid-template-columns:1fr}}
.blk-head{display:grid;gap:.6rem;max-width:720px;margin-bottom:1.6rem}
.steps-wrap{display:grid;grid-template-columns:280px minmax(0,1fr);gap:clamp(1.4rem,4vw,3rem);align-items:stretch}
.clock-col{display:flex;flex-direction:column;gap:1rem}
.tl-card{flex:1;background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px);padding:1rem 1.15rem;display:flex;flex-direction:column;gap:.5rem}
.tl-card .tl-h{font-size:.74rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-t)}
.tl-card dl{margin:0;display:flex;flex-direction:column;flex:1;justify-content:space-around}
.tl-card dl>div{display:flex;justify-content:space-between;gap:.6rem;padding:.45rem 0;border-top:1px solid var(--line);font-size:.86rem}
.tl-card dt{font-weight:600}
.tl-card dd{margin:0;color:var(--accent-t);font-weight:600;text-align:right}
.clock{position:relative;width:220px;height:220px;margin:0 auto}
.clock svg{width:100%;height:100%;transform:rotate(-90deg)}
.clock .c-trk{fill:none;stroke:var(--soft);stroke-width:14}
.clock .c-arc{fill:none;stroke:var(--accent);stroke-width:14;stroke-linecap:round}
.clock .c-mid{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
.clock .c-mid b{font-size:2rem;font-weight:600;color:var(--ink)}
.clock .c-mid span{font-size:.8rem;color:var(--muted);max-width:130px}
.step-list{list-style:none;margin:0;padding:0;display:grid;gap:.8rem;counter-reset:s}
.step-list li{display:grid;grid-template-columns:44px minmax(0,1fr);gap:.9rem;align-items:start;background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px);padding:1rem 1.15rem}
.step-list li::before{counter-increment:s;content:counter(s);width:44px;height:44px;border-radius:50%;background:var(--soft);color:var(--ink);font-weight:600;display:flex;align-items:center;justify-content:center}
.step-list .t{font-size:.76rem;font-weight:600;color:var(--accent-t);white-space:nowrap;background:var(--soft);border-radius:999px;padding:.25rem .6rem}
.step-list p{font-size:.9rem;color:var(--muted);margin-top:.2rem}
@media (max-width:1020px){.steps-wrap{grid-template-columns:1fr}.clock-col{display:grid;grid-template-columns:200px minmax(0,1fr);align-items:center}.clock{width:180px;height:180px}}
@media (max-width:520px){.clock-col{grid-template-columns:1fr}}
.tabs{display:grid;grid-template-columns:minmax(0,400px) minmax(0,1fr);gap:var(--gap);align-items:stretch}
.tab-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
.tab-list li{flex:1 1 0;display:flex}
.tab-list a{flex:1;display:flex;flex-direction:column;justify-content:center;gap:.15rem;padding:.75rem 1rem;border-radius:calc(var(--r) - 8px);border:1px solid var(--line);background:var(--card);text-decoration:none;color:var(--text)}
.tab-list a .l1{font-weight:600;white-space:nowrap}
.tab-list a .l2{font-size:.8rem;color:var(--muted);white-space:nowrap;font-variant-numeric:tabular-nums}
.tab-list a[aria-selected="true"]{border-color:var(--ink);box-shadow:inset 3px 0 0 var(--ink);background:#fff}
.tab-panels{display:flex;flex-direction:column}
.tab-panel{flex:1;background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px);box-shadow:var(--shadow);padding:clamp(1.3rem,3vw,2rem);display:flex;flex-direction:column;gap:1rem}
.tab-panel[hidden]{display:none}
.tp-amt{font-size:clamp(2.4rem,5vw,3.4rem);font-weight:600;letter-spacing:-.03em;color:var(--ink);line-height:1;font-variant-numeric:tabular-nums}
.tp-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.tp-grid div{background:var(--soft);border-radius:12px;padding:.8rem .9rem}
.tp-grid b{display:block;font-size:1.1rem;color:var(--text);font-variant-numeric:tabular-nums}
.tp-grid span{font-size:.75rem;color:var(--muted)}
.tab-panel .btns{margin-top:auto}
@media (max-width:860px){.tabs{grid-template-columns:1fr}.tp-grid{grid-template-columns:1fr}}
.cat-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.cat-card{background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px);box-shadow:var(--shadow);padding:1.35rem;display:flex;flex-direction:column;gap:.55rem;text-decoration:none;color:var(--text)}
.cat-card:hover{border-color:var(--ink)}
.cat-card .tag{font-size:.7rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-t)}
.cat-card p{font-size:.9rem;color:var(--muted)}
.cat-card .go{margin-top:auto;font-weight:600;color:var(--ink);font-size:.9rem}
@media (max-width:1020px){.cat-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.cat-grid{grid-template-columns:1fr}}
.photo-card{position:relative;overflow:hidden;border-radius:var(--r);border:var(--edge);background:var(--panel);box-shadow:var(--shadow);padding:var(--pad);min-height:440px;display:flex;flex-direction:column}
.photo-card>img.pc-img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}
.photo-card::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 570px),rgba(250,251,247,.35) calc(var(--pad) + 720px),rgba(250,251,247,.2) 100%)}
.photo-card>:not(img){position:relative;z-index:1}
.pc-copy{max-width:560px;display:flex;flex-direction:column;gap:.9rem;flex:1}
.pc-copy .more{margin-top:auto;font-weight:600}
@media (min-width:1021px) and (max-width:1240px){.elig .pc-copy{gap:.7rem}.elig .checks{gap:.45rem .8rem}.estim .calc{padding:1.1rem;gap:.65rem}.estim .pc-copy{gap:.7rem}.estim .est-facts{gap:.5rem}.estim .calc .res{padding:.8rem 1rem}}
.checks{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.55rem .9rem}
.checks label{display:flex;gap:.55rem;align-items:center;cursor:pointer;font-size:.9rem;white-space:nowrap;min-height:40px;padding:.3rem .65rem;border-radius:12px;background:var(--card);border:1px solid var(--line)}
.checks input{width:18px;height:18px;accent-color:var(--ink);flex:0 0 auto}
.meter{display:flex;align-items:center;gap:.8rem;font-size:.85rem;color:var(--muted)}
.meter .mbar-track{flex:1;height:6px;border-radius:999px;background:var(--soft);overflow:hidden}
.meter .mbar-fill{display:block;height:100%;width:0;background:var(--accent);transition:width .2s}
.pc-stack{display:none}
.estim .est-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:var(--gap);flex:1;align-items:stretch}
.estim .pc-copy{max-width:460px}
.est-facts{list-style:none;margin:0;padding:0;display:grid;gap:.7rem}
.est-facts li{display:grid;grid-template-columns:38px 1fr;gap:.7rem;align-items:start}
.est-facts b{display:block;font-size:.92rem}
.est-facts span{font-size:.85rem;color:var(--muted)}
.calc{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);box-shadow:var(--shadow);padding:1.4rem;display:grid;gap:clamp(.8rem,1.2vw,1rem);align-content:start}
.calc label{display:grid;gap:.4rem;font-size:.85rem;font-weight:600}
.calc .row{display:flex;justify-content:space-between;align-items:baseline}
.calc output{font-variant-numeric:tabular-nums}
.calc input[type=range]{width:100%;accent-color:var(--ink);min-height:30px}
.calc select,.calc input[type=number]{font:inherit;font-weight:500;padding:.6rem .7rem;border:1px solid var(--line-2);border-radius:10px;background:#fff;min-height:44px;width:100%}
.calc .res{background:var(--soft);border-radius:14px;padding:1rem 1.1rem;display:grid;gap:.2rem}
.calc .res b{font-size:2rem;font-weight:600;color:var(--ink);letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.calc .res span{font-size:.8rem;color:var(--muted)}
.calc .res-row{display:grid;grid-template-columns:1fr 1fr;gap:.6rem}
.pay-table td a{font-weight:600}
.pay-table td span{display:block;font-size:.8rem;color:var(--muted)}
.calc small{color:var(--muted);font-size:.76rem}
@media (max-width:1020px){
  .photo-card{min-height:0;padding:0}
  .photo-card::after{display:none}
  .photo-card>img.pc-img{position:static;width:auto;height:auto;aspect-ratio:16/9;max-width:none;margin:0 var(--pad) var(--pad);width:calc(100% - 2*var(--pad));border-radius:var(--r-in)}
  .photo-card .pc-copy{padding:var(--pad);max-width:none}
  .photo-card.elig{flex-direction:column}
  .photo-card.elig>img.pc-img{order:2}
  .estim>img.pc-img{display:none}
  .estim .est-grid{grid-template-columns:1fr;padding:var(--pad)}
  .estim .pc-copy{padding:0}
}
@media (max-width:700px){.checks{grid-template-columns:1fr}.checks label{white-space:normal}}
.rev-sum{display:flex;flex-wrap:wrap;align-items:center;gap:1rem 1.6rem;background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px);padding:1.1rem 1.4rem;margin-bottom:1.2rem}
.rev-sum .big{font-size:2.6rem;font-weight:600;color:var(--ink);line-height:1;letter-spacing:-.03em}
.rev-sum .stars svg{width:20px;height:20px}
.rev-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.rev{background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px);box-shadow:var(--shadow);padding:1.2rem 1.25rem;display:flex;flex-direction:column;gap:.6rem}
.rev .who{display:flex;gap:.7rem;align-items:center}
.rev .who b{display:block;font-size:.92rem}
.rev .who span:not(.initials){font-size:.8rem;color:var(--muted)}
.rev h3{font-size:.98rem}
.rev p{font-size:.9rem;color:#2E3524}
.rev .tag{margin-top:auto;font-size:.76rem;color:var(--muted);background:var(--soft);border-radius:999px;padding:.25rem .65rem;align-self:flex-start}
@media (max-width:1020px){.rev-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.rev-grid{grid-template-columns:1fr}}
.dots{display:inline-flex;gap:3px;white-space:nowrap}
.dots i{width:9px;height:9px;border-radius:50%;background:var(--line-2);display:inline-block}
.dots i.on{background:var(--ink)}
.rates-wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,400px);gap:var(--gap);align-items:stretch}
.rates-left{display:flex;flex-direction:column;gap:var(--gap)}
.factors{flex:1;background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px);padding:1.2rem 1.3rem;display:flex;flex-direction:column;gap:.9rem}
.factors .fgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.9rem 1.2rem;flex:1;align-content:center}
.factors .fgrid b{display:block;font-size:.92rem}
.factors .fgrid span{font-size:.86rem;color:var(--muted)}
.rep{background:var(--ink);color:#fff;border-radius:calc(var(--r) - 6px);padding:1.6rem;display:flex;flex-direction:column;gap:1rem}
.rep h3{color:#fff;font-size:1.25rem}
.rep .eyebrow{color:var(--accent-d);margin:0}
.rep dl{display:grid;grid-template-columns:1fr auto;gap:.55rem 1rem;margin:0;font-variant-numeric:tabular-nums}
.rep dt{color:rgba(255,255,255,.78);font-size:.9rem}
.rep dd{margin:0;font-weight:600;text-align:right}
.rep p{color:rgba(255,255,255,.82);font-size:.88rem}
.rep a{color:#fff;margin-top:auto;font-weight:600}
@media (max-width:1240px){.rates-wrap{grid-template-columns:minmax(0,1fr) minmax(0,350px)}}
@media (max-width:900px){.rates-wrap{grid-template-columns:1fr}.factors .fgrid{grid-template-columns:1fr}}
.why-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.why{display:grid;gap:.5rem;align-content:start;padding:1.1rem 1.2rem;background:var(--card);border:var(--edge);border-radius:calc(var(--r) - 6px)}
.why p{font-size:.9rem;color:var(--muted)}
@media (max-width:1020px){.why-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.why-grid{grid-template-columns:1fr}}
.cols3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(1.2rem,3vw,2.2rem)}
.cols3>div{display:grid;gap:.5rem;align-content:start}
.cols3 p{font-size:.92rem;color:var(--muted)}
@media (max-width:900px){.cols3{grid-template-columns:1fr}}
.disc2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--gap)}
.disc2 ul{margin:0;padding-left:1.1rem;display:grid;gap:.55rem;font-size:.9rem;color:#2E3524}
.disc2>div{display:grid;gap:.8rem;align-content:start}
@media (max-width:900px){.disc2{grid-template-columns:1fr}}
.who-card{min-height:420px}
.who-card .who-grid{display:grid;grid-template-columns:minmax(0,520px) minmax(0,1fr);gap:var(--gap);flex:1;align-items:center}
.who-card .pc-copy{max-width:520px}
.nap-card{justify-self:end;width:min(100%,380px);background:var(--ink);color:#fff;border-radius:calc(var(--r) - 6px);padding:1.5rem;display:grid;gap:.7rem;box-shadow:0 18px 40px -22px rgba(0,0,0,.6)}
.nap-card .eyebrow{color:var(--accent-d);margin:0}
.nap-card b{font-size:1.2rem}
.nap-card address{font-style:normal;color:rgba(255,255,255,.86);font-size:.92rem;display:grid;gap:.3rem}
.nap-card a{color:#fff}
.nap-card .nl{font-size:.82rem;color:var(--accent-d)}
.nap-card .nh{font-size:.84rem;color:rgba(255,255,255,.86)}
.reviewed{display:flex;gap:.8rem;align-items:center;font-size:.85rem;color:var(--muted);background:var(--card);border:1px solid var(--line);border-radius:14px;padding:.7rem .9rem}
@media (max-width:1020px){.who-card .who-grid{grid-template-columns:1fr;padding:0 var(--pad) var(--pad)}.nap-card{justify-self:stretch;width:auto}.who-card>img.pc-img{display:none}}
.faq-wrap{--fw:412px;display:grid;grid-template-columns:minmax(0,1fr) var(--fw);gap:clamp(1.2rem,3vw,2.4rem);align-items:stretch}
.faq-left{display:flex;flex-direction:column;gap:1rem}
/* T6 image column tracks the accordion height so the 3:5 photo is shown at its own ratio (±3%) */
@media (max-width:1224px){.faq-wrap{--fw:426px}}@media (max-width:1185px){.faq-wrap{--fw:440px}}@media (max-width:1135px){.faq-wrap{--fw:452px}}@media (max-width:1044px){.faq-wrap{--fw:466px}}
.acc{display:grid;gap:.6rem}
.acc details{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:0 1.1rem}
.acc summary{list-style:none;cursor:pointer;min-height:54px;display:flex;align-items:center;justify-content:space-between;gap:1rem;font-weight:600;font-size:.98rem}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"+";font-size:1.3rem;color:var(--ink);font-weight:400}
.acc details[open] summary::after{content:"–"}
.acc details p{padding:0 0 1rem;color:#2E3524;font-size:.92rem}
.faq-left .more{margin-top:auto;font-weight:600}
.faq-img-box{position:relative;min-height:0}
.faq-img-box img{position:absolute;top:0;left:0;width:100%;height:min(100%,1413px);object-fit:cover;border-radius:var(--r-in)}
@media (max-width:1020px){.faq-wrap{grid-template-columns:1fr}.faq-img-box img{position:static;width:100%;max-width:420px;height:auto!important;aspect-ratio:3/5;margin:0 auto}}

/* calculator page / glossary / misc */
.tool{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,420px);gap:var(--gap);align-items:start}
@media (max-width:900px){.tool{grid-template-columns:1fr}}
.gloss-letters{display:flex;flex-wrap:wrap;gap:.4rem}
.gloss-letters a{min-width:38px;min-height:38px;display:inline-flex;align-items:center;justify-content:center;border-radius:10px;border:1px solid var(--line-2);background:var(--card);text-decoration:none;font-weight:600;color:var(--text)}
.terms{display:grid;gap:.8rem}
.term{background:var(--card);border:var(--edge);border-radius:14px;padding:1rem 1.2rem;scroll-margin-top:100px}
.term h3{margin-bottom:.3rem}
.term p{color:#2E3524;font-size:.94rem}
.lender-table td:first-child{font-weight:600;white-space:nowrap}
.smap{column-count:3;column-gap:var(--gap)}
.smap>div{break-inside:auto;margin-bottom:1.4rem}
.smap>div>:first-child{break-after:avoid}
.smap li{break-inside:avoid}
.smap ul{list-style:none;margin:0;padding:0}
.smap a{display:flex;min-height:40px;align-items:center;border-bottom:1px solid var(--line);text-decoration:none;color:var(--text)}
@media (max-width:900px){.smap{column-count:2}}
@media (max-width:600px){.smap{column-count:1}}
[id]{scroll-margin-top:100px}