/* directtriballoans.com — Design v2 (quiet editorial fintech) */
@font-face{font-family:"Manrope";src:url(fonts/manrope-400.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Manrope";src:url(fonts/manrope-500.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"Manrope";src:url(fonts/manrope-600.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Fraunces";src:url(fonts/fraunces-band.woff2) format("woff2");font-weight:400;font-display:swap}
:root{
  --ink:#1F4A86;--ink-deep:#163A6C;--accent:#2E8B57;--accent-ink:#1F7045;
  --bg:#F2F5F8;--panel:#FAFBFC;--card:#FFFFFF;--line:#DCE3EB;--text:#16202C;--muted:#556070;--hero-text:#1E2836;
  --r:18px;--r-in:12px;--pad:clamp(1.4rem,4vw,2.9rem);--gap:22px;--max:1200px;
  --shadow:0 1px 2px rgba(22,32,44,.05),0 10px 28px -16px rgba(22,32,44,.22);
  --sans:"Manrope",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
}
*{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(--text);font-family:var(--sans);font-size:16px;line-height:1.6}
img{max-width:100%;display:block}
a{color:var(--ink)}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
h1,h2,h3{text-wrap:balance;color:var(--text);margin:0}
h1{font-size:clamp(2.1rem,4.2vw,3.2rem);font-weight:500;letter-spacing:-.03em;line-height:1.08}
h2{font-size:clamp(1.6rem,2.8vw,2.1rem);font-weight:500;letter-spacing:-.02em;line-height:1.18}
h3{font-size:1.12rem;font-weight:600;line-height:1.3;letter-spacing:-.01em}
p{margin:0}
.lead-a{text-wrap:balance}
.skip{position:absolute;left:-9999px;top:8px;background:var(--card);padding:.6rem 1rem;border-radius:8px;z-index:2147483001}
.skip:focus{left:12px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 16px}
.stack{display:flex;flex-direction:column;gap:var(--gap)}
main{display:block}
.card{background:var(--panel);border-radius:var(--r);padding:var(--pad);box-shadow:var(--shadow)}
.icard{background:var(--card);border-radius:var(--r-in);box-shadow:var(--shadow);padding:1.3rem}
.eyebrow{display:inline-flex;align-items:center;gap:.6rem;font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink)}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--accent);border-radius:2px}
.muted{color:var(--muted)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:46px;padding:.7rem 1.3rem;border-radius:10px;font:600 .95rem/1.2 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:var(--ink-deep)}
.btn-line{background:var(--card);color:var(--text);border-color:var(--line)}
.btn-line:hover{border-color:var(--ink)}
.btn-white{background:#fff;color:var(--ink)}
.textlink{font-weight:600;text-decoration:none;color:var(--ink)}
.textlink:hover{text-decoration:underline}

/* ---------- nav ---------- */
.nav{position:fixed;top:12px;left:0;right:0;z-index:2147483000;isolation:isolate;pointer-events:none}
.nav-in{pointer-events:auto;max-width:calc(var(--max) - 32px);margin:0 auto;display:flex;align-items:center;gap:.4rem;padding:.55rem .7rem .55rem 1.1rem;border-radius:var(--r);border:1px solid transparent;transition:background .2s,box-shadow .2s,border-color .2s}
.nav.floating .nav-in{background:var(--panel);box-shadow:var(--shadow);border-color:var(--line)}
.nav:not(.floating) .menu{background:rgba(250,251,252,.8);border-radius:999px;padding:0 .3rem}
.nav:not(.floating) .logo{background:rgba(250,251,252,.8);border-radius:999px;padding:.2rem .8rem .2rem .25rem;margin-left:-.5rem}
.logo{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--text);font-weight:600;letter-spacing:.12em;font-size:.82rem;text-transform:uppercase;white-space:nowrap;margin-right:1.2rem}
.logo img{width:34px;height:34px}
.menu{display:flex;align-items:center;gap:.1rem;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;border-radius:10px;background:none;border:0;font:500 .93rem var(--sans);color:var(--text);text-decoration:none;cursor:pointer}
.menu>li>a:hover,.menu>li>button:hover{background:rgba(31,74,134,.07)}
.menu svg{width:12px;height:12px}
.dd{position:absolute;top:100%;left:0;margin:0;list-style:none;padding:.45rem;background:var(--panel);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);box-shadow:var(--shadow);width:max-content;max-width:calc(100vw - 32px);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.menu>li:hover>.dd,.menu>li:focus-within>.dd,.menu>li.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.dd a{display:block;white-space:nowrap;padding:.55rem .8rem;border-radius:8px;text-decoration:none;color:var(--text);font-size:.93rem}
.dd a:hover{background:rgba(31,74,134,.07);color:var(--ink)}
.nav-space{flex:1;min-width:2.5rem}
.nav-apply{border-radius:999px;padding:.6rem 1.35rem;min-height:44px}
.burger{display:none;margin-left:auto;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:var(--card);cursor:pointer;align-items:center;justify-content:center}
.burger span{display:block;width:18px;height:2px;background:var(--text);position:relative}
.burger span::before,.burger span::after{content:"";position:absolute;left:0;width:18px;height:2px;background:var(--text)}
.burger span::before{top:-6px}.burger span::after{top:6px}

/* ---------- hero / header card (full-bleed) ---------- */
.page-top{padding-top:12px}
.hero{position:relative;overflow:hidden;border-radius:var(--r);background:var(--panel);box-shadow:var(--shadow)}
.hero>img.hero-img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.hero-text{position:relative;z-index:1;padding:calc(var(--pad) + 64px) var(--pad) var(--pad);max-width:calc(var(--pad) * 2 + 480px)}
.hero.inner h1{font-size:clamp(1.9rem,3.2vw,2.55rem);margin:.6rem 0 .4rem}
.hero.inner .lead{font-size:1rem;margin-top:.6rem}
.hero.inner .ctas{margin-top:1rem}
.hero.inner .crumbs{margin-bottom:.6rem}
.hero-text .eyebrow{color:var(--ink-deep)}
.hero h1{margin:.85rem 0 .5rem}
.updated{font-size:.82rem;color:var(--hero-text)}
.hero .lead{margin-top:.85rem;font-size:1.05rem;color:var(--hero-text);max-width:30rem}
.hero .ctas{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.3rem}
.trust{display:flex;align-items:center;gap:.8rem;margin-top:1.3rem;font-size:.86rem;color:var(--hero-text)}
.avatars{display:flex}
.avatars img{width:40px;height:40px;border-radius:50%;border:2px solid #fff;margin-left:-10px;object-fit:cover}
.avatars img:first-child{margin-left:0}
.stars{display:inline-flex;gap:2px;vertical-align:middle}
.stars svg{width:15px;height:15px;fill:var(--accent)}
.stars .half{fill:url(#halfstar)}
.crumbs{display:flex;flex-wrap:wrap;gap:.35rem;list-style:none;margin:0 0 .9rem;padding:0;font-size:.82rem;color:var(--hero-text)}
.crumbs li+li::before{content:"/";margin-right:.35rem;color:var(--muted)}
.crumbs a{color:var(--hero-text);text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.chips{margin:.85rem -.175rem 0;padding:0;list-style:none;max-width:600px}
.chips li{display:inline-block;margin:.175rem}
.chips a{display:inline-flex;align-items:center;height:32px;padding:.3rem .65rem;font-size:.8rem;font-weight:500;border-radius:999px;background:var(--card);border:1px solid var(--line);color:var(--text);text-decoration:none;white-space:nowrap}
.chips a:hover{border-color:var(--ink);color:var(--ink)}
.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.6rem;margin-top:1rem;max-width:520px}
.stats div{background:rgba(255,255,255,.82);border:1px solid var(--line);border-radius:10px;padding:.45rem .6rem}
.stats b{display:block;font-size:1rem;font-weight:600;color:var(--ink)}
.stats span{font-size:.72rem;color:var(--hero-text)}

/* full-bleed only at >= breakpoint (set in build) */
@media (min-width:1141px){
  .hero.fb{aspect-ratio:16/9}
  .hero.fb>img.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
  .hero.fb::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;
    background:linear-gradient(90deg,rgba(250,251,252,.74) 0,rgba(250,251,252,.64) calc(var(--pad) + 300px),rgba(250,251,252,.56) calc(var(--pad) + 480px),rgba(250,251,252,0) max(56%,calc(var(--pad) + 560px)))}
  .hero.fb .hero-text{position:absolute;inset:0 auto auto 0;z-index:1}
}
@media (max-width:1140px){
  .hero{display:flex;flex-direction:column}
  .hero>img.hero-img{order:2;width:calc(100% - 2*var(--pad));max-width:720px;margin:0 auto var(--pad);border-radius:var(--r-in)}
  .hero-text{max-width:none}
  .chips{display:flex;flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none;max-width:none;margin-inline:0}
  .chips::-webkit-scrollbar{display:none}
  .chips li{flex:none;margin:0 .35rem 0 0}
}
@media (min-width:1141px) and (max-width:1320px){.hero:not(.inner) h1{font-size:clamp(2.5rem,3.6vw,3.2rem)}}
@media (min-width:1141px){.chips{display:block;text-wrap:balance;font-size:0;line-height:0;width:600px;max-width:600px}.chips li{line-height:1}}

/* ---------- form card ---------- */
.formcard{position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad);overflow:hidden}
.formcard::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--accent)}
.formcard .fhead{text-align:center;margin-bottom:1.2rem}
.formcard h2{font-size:clamp(1.4rem,2.4vw,1.8rem);margin:.5rem 0 .4rem}
.formcard .fhead p{color:var(--muted);font-size:.92rem}
.form-embed{position:relative;z-index:1;isolation:isolate;max-width:860px;margin:0 auto;min-height:420px}

/* ---------- generic section heads ---------- */
.shead{display:flex;flex-direction:column;gap:.6rem;margin-bottom:1.5rem;max-width:44rem}
.shead p{color:var(--muted)}
.grid2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--gap)}
.grid3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.grid4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}
.icon{width:40px;height:40px;border-radius:10px;background:rgba(46,139,87,.12);display:flex;align-items:center;justify-content:center;color:var(--accent-ink);flex:none}
.icon svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.feat h3{margin:.8rem 0 .35rem}
.feat p{color:var(--muted);font-size:.93rem}
.feat.dark{background:var(--ink);box-shadow:none}
.feat.dark h3,.feat.dark p{color:#fff}
.feat.dark p{opacity:.88}
.feat.dark .icon{background:rgba(255,255,255,.14);color:#fff}

/* intro (H2) */
.intro-cols{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2.4rem;margin-bottom:1.6rem}
.intro-cols h2{font-size:clamp(1.4rem,2.4vw,1.8rem);margin:.6rem 0 .7rem}
.intro-cols p{color:var(--muted)}

/* dark band (H3) */
.band{position:relative;overflow:hidden;border-radius:var(--r);background:#0F1E33;color:#fff;height:440px;display:flex}
.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,#0F1E33 0,#0F1E33 calc(var(--pad) + 510px),rgba(15,30,51,.55) calc(var(--pad) + 580px),rgba(15,30,51,0) calc(var(--pad) + 640px))}
.band-in{position:relative;z-index:1;padding:var(--pad);max-width:calc(var(--pad) + 500px);display:flex;flex-direction:column;justify-content:center;gap:.8rem}
.band .eyebrow{color:#cfe0f5}
.band .serif{font-family:var(--serif);font-weight:400;font-size:clamp(1.8rem,3.1vw,2.35rem);color:#fff;letter-spacing:-.01em}
.values{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.9rem;margin-top:.4rem}
.values div{font-size:.86rem;color:#dce6f3}
.values b{display:block;color:#fff;font-weight:600;font-size:.92rem;margin:.45rem 0 .2rem}
.values .icon{background:rgba(255,255,255,.12);color:#9fd8b6;width:36px;height:36px}
.wordmark{font-size:clamp(1.5rem,2.8vw,1.95rem);font-weight:600;letter-spacing:.06em;text-transform:uppercase;margin-top:.6rem;color:#fff;line-height:1.1}
.wordsub{color:#9fd8b6;font-weight:500;font-size:.95rem}

/* M2 tiers */
.tier{display:flex;flex-direction:column;gap:.55rem;position:relative}
.tier .amt{font-size:1.55rem;font-weight:600;color:var(--ink);letter-spacing:-.01em}
.tier p{color:var(--muted);font-size:.92rem}
.tier .bar{height:6px;border-radius:6px;background:var(--line);overflow:hidden;margin-top:auto}
.tier .bar i{display:block;height:100%;background:var(--accent);border-radius:6px}
.tier .meta{display:flex;justify-content:space-between;font-size:.82rem;color:var(--muted)}
.badge{position:absolute;top:1rem;right:1rem;background:rgba(46,139,87,.12);color:var(--accent-ink);font-size:.72rem;font-weight:600;letter-spacing:.06em;padding:.25rem .55rem;border-radius:999px;text-transform:uppercase}
a.tier{text-decoration:none;color:inherit}

/* M3 steps */
.steps-wrap{display:grid;grid-template-columns:minmax(0,360px) minmax(0,1fr);gap:2rem;align-items:center}
.ring{position:relative;width:min(300px,100%);aspect-ratio:1;margin:0 auto}
.ring svg{width:100%;height:100%;transform:rotate(-90deg)}
.ring .c{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
.ring .c b{font-size:2.2rem;font-weight:600;color:var(--ink)}
.ring .c span{font-size:.84rem;color:var(--muted);max-width:11rem}
.steplist{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.8rem;counter-reset:s}
.steplist li{display:grid;grid-template-columns:44px minmax(0,1fr) auto;gap:1rem;align-items:center;background:var(--card);border-radius:var(--r-in);padding:1rem 1.1rem;box-shadow:var(--shadow)}
.steplist li::before{counter-increment:s;content:counter(s);width:44px;height:44px;border-radius:50%;background:rgba(31,74,134,.08);color:var(--ink);font-weight:600;display:flex;align-items:center;justify-content:center}
.steplist b{display:block;font-weight:600}
.steplist span{color:var(--muted);font-size:.9rem}
.steplist em{font-style:normal;font-size:.78rem;color:var(--accent-ink);background:rgba(46,139,87,.1);padding:.25rem .55rem;border-radius:999px;white-space:nowrap}

/* M4 amount tabs */
.m4{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.25fr);gap:1.2rem;align-items:stretch}
.m4-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.6rem}
.m4-list li{flex:1 1 0;display:flex}
.m4-list a{flex:1;display:flex;flex-direction:column;justify-content:center;gap:.15rem;background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:.8rem 1.1rem;text-decoration:none;color:var(--text)}
.m4-list a b{font-weight:600;white-space:nowrap}
.m4-list a span{font-size:.84rem;color:var(--muted);white-space:nowrap}
.m4-list a[aria-selected="true"]{border-color:var(--ink);box-shadow:inset 3px 0 0 var(--ink)}
.m4-panels{display:flex;flex-direction:column}
.m4-panel{flex:1;display:flex;flex-direction:column;gap:1rem;background:var(--card);border-radius:var(--r-in);padding:1.6rem;box-shadow:var(--shadow)}
.m4-panel[hidden]{display:none}
.m4-panel .big{font-size:2.6rem;font-weight:600;color:var(--ink);letter-spacing:-.02em;line-height:1}
.facts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.7rem}
.facts div{border:1px solid var(--line);border-radius:10px;padding:.7rem .85rem}
.facts b{display:block;font-size:1.05rem;color:var(--text)}
.facts span{font-size:.78rem;color:var(--muted)}
.m4-panel .acts{display:flex;flex-wrap:wrap;gap:.8rem;align-items:center;margin-top:auto}
.est{font-size:.78rem;color:var(--muted)}

/* M5 categories */
.cats{display:grid;gap:1rem}
.cats.n4{grid-template-columns:repeat(2,minmax(0,1fr))}
.cats.n6{grid-template-columns:repeat(3,minmax(0,1fr))}
.cat{display:flex;flex-direction:column;gap:.5rem;text-decoration:none;color:inherit}
.cat .tag{font-size:.72rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--accent-ink)}
.cat h3{color:var(--text)}
.cat p{color:var(--muted);font-size:.92rem}
.cat .go{margin-top:auto;font-weight:600;color:var(--ink);font-size:.9rem}

/* M6 elig + estimator */
.pcard{position:relative;overflow:hidden;border-radius:var(--r);background:var(--panel);box-shadow:var(--shadow);min-height:440px;display:flex}
.pcard>img.pimg{position:absolute;top:0;right:0;height:100%;width:auto;max-width:none;aspect-ratio:16/9;z-index:0}
.pcard::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 570px),rgba(250,251,252,.35) calc(var(--pad) + 720px),rgba(250,251,252,.2) 100%)}
.pcard>:not(img){position:relative;z-index:1}
.pcard .pin{padding:var(--pad);max-width:calc(var(--pad) + 560px);display:flex;flex-direction:column;gap:.9rem}
.pcard .pin>p{color:var(--muted)}
.checks{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.5rem .9rem}
.checks label{display:flex;gap:.55rem;align-items:center;font-size:.9rem;cursor:pointer;min-height:36px;white-space:nowrap}
.checks input{width:18px;height:18px;accent-color:var(--accent);flex:none}
.count{font-size:.85rem;color:var(--muted)}
.count b{color:var(--ink)}
.prog{height:6px;border-radius:6px;background:var(--line);overflow:hidden}
.prog i{display:block;height:100%;width:0;background:var(--accent);transition:width .25s}
.pin .textlink{margin-top:auto}
.est-card .pin{max-width:none;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:2rem;align-items:stretch}
.est-card::after{background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 470px),rgba(250,251,252,.35) calc(var(--pad) + 620px),rgba(250,251,252,.15) 100%)}
.est-left{display:flex;flex-direction:column;gap:.9rem;max-width:460px}
.est-left>p{color:var(--muted)}
.flist{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.7rem}
.flist li{display:flex;gap:.8rem;align-items:center;font-size:.92rem}
.flist b{display:block}
.flist span{color:var(--muted);font-size:.84rem}
.calcbox{background:var(--card);border-radius:var(--r-in);box-shadow:var(--shadow);padding:1.4rem;display:flex;flex-direction:column;gap:1rem}
.calcbox label{font-size:.84rem;font-weight:600;display:flex;justify-content:space-between}
.calcbox input[type=range]{width:100%;accent-color:var(--ink);min-height:32px}
.calcbox select{width:100%;min-height:44px;border:1px solid var(--line);border-radius:10px;padding:0 .7rem;font:500 .95rem var(--sans);background:var(--card);color:var(--text)}
.result{border-top:1px solid var(--line);padding-top:.9rem;display:flex;justify-content:space-between;align-items:flex-end;gap:1rem}
.result b{font-size:1.9rem;color:var(--ink);font-weight:600;line-height:1}
.result span{font-size:.78rem;color:var(--muted)}

/* M7 reviews + compare */
.rsum{display:flex;flex-wrap:wrap;align-items:center;gap:1rem 1.4rem;background:var(--card);border-radius:var(--r-in);padding:1.1rem 1.4rem;box-shadow:var(--shadow);margin-bottom:1rem}
.rsum .score{font-size:2.4rem;font-weight:600;color:var(--ink);line-height:1}
.rsum .stars svg{width:20px;height:20px}
.rsum p{color:var(--muted);font-size:.9rem}
.rsum a{margin-left:auto}
.rev{display:flex;flex-direction:column;gap:.55rem}
.rev .who{display:flex;gap:.7rem;align-items:center}
.initials{width:40px;height:40px;border-radius:50%;background:rgba(31,74,134,.1);color:var(--ink);font-weight:600;display:flex;align-items:center;justify-content:center;flex:none;font-size:.9rem}
.rev .who b{display:block;font-size:.93rem}
.rev .who span{font-size:.8rem;color:var(--muted)}
.rev h3{font-size:1rem}
.rev p{color:var(--muted);font-size:.9rem}
.rev .req{margin-top:auto;font-size:.78rem;color:var(--accent-ink);background:rgba(46,139,87,.09);border-radius:8px;padding:.35rem .6rem;align-self:flex-start}
.tablewrap{overflow-x:auto;border-radius:var(--r-in);background:var(--card);box-shadow:var(--shadow)}
table{width:100%;border-collapse:collapse;font-size:.92rem}
th,td{text-align:left;padding:.8rem 1rem;border-bottom:1px solid var(--line);vertical-align:top}
th{font-weight:600;font-size:.82rem;color:var(--muted);background:var(--panel)}
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)}

/* T1 rates */
.t1{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:1.2rem;align-items:stretch}
.t1-left{display:flex;flex-direction:column;gap:1rem}
.factors{flex:1;background:var(--card);border-radius:var(--r-in);box-shadow:var(--shadow);padding:1.2rem 1.3rem}
.factors h3{margin-bottom:.8rem}
.factors .g{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.9rem 1.2rem}
.factors b{display:block;font-size:.92rem}
.factors span{font-size:.86rem;color:var(--muted)}
.repex{background:var(--ink);color:#fff;border-radius:var(--r-in);padding:1.5rem;display:flex;flex-direction:column;gap:.9rem}
.repex h3{color:#fff}
.repex p{color:#dde6f3;font-size:.92rem}
.repex dl{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.7rem;margin:0}
.repex dl div{background:rgba(255,255,255,.08);border-radius:10px;padding:.6rem .8rem}
.repex dt{font-size:.74rem;color:#c3d3ea}
.repex dd{margin:0;font-weight:600;font-size:1.1rem}
.repex a{color:#fff;margin-top:auto}
.repex .alt{border-top:1px solid rgba(255,255,255,.18);padding-top:.9rem;display:flex;flex-direction:column;gap:.6rem}
.repex .alt b{font-size:.95rem}

/* T2-T4 */
.why h3{margin:.7rem 0 .3rem}
.why p,.col3 p{color:var(--muted);font-size:.93rem}
.col3 h3{margin-bottom:.4rem}
.col3 ul{margin:.5rem 0 0;padding-left:1.1rem;color:var(--muted);font-size:.93rem}
.disc h3{margin-bottom:.6rem}
.disc ul{margin:0;padding-left:1.1rem;color:var(--muted);font-size:.93rem;display:flex;flex-direction:column;gap:.45rem}

/* T5 NAP */
.nap-card{position:relative;overflow:hidden;border-radius:var(--r);background:var(--panel);box-shadow:var(--shadow);min-height:420px;display:flex}
.nap-card>img.pimg{position:absolute;top:0;right:0;height:100%;width:auto;max-width:none;aspect-ratio:16/9;z-index:0}
.nap-card::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 530px),rgba(250,251,252,.4) calc(var(--pad) + 680px),rgba(250,251,252,.15) 100%)}
.nap-in{position:relative;z-index:1;padding:var(--pad);display:grid;grid-template-columns:minmax(0,520px) minmax(0,360px);justify-content:space-between;gap:2rem;width:100%;align-items:center}
.nap-copy{display:flex;flex-direction:column;gap:.9rem}
.nap-copy>p{color:var(--muted)}
.reviewed{display:flex;gap:.7rem;align-items:center;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:.7rem .9rem;font-size:.85rem;color:var(--muted)}
.napbox{background:var(--ink);color:#fff;border-radius:var(--r-in);padding:1.5rem;display:flex;flex-direction:column;gap:.75rem}
.napbox b{font-size:1.05rem;letter-spacing:.06em;text-transform:uppercase}
.napbox p,.napbox address{font-style:normal;color:#dde6f3;font-size:.92rem}
.napbox a{color:#fff;text-decoration:underline;text-underline-offset:3px;font-weight:600}
.contact-nap{max-width:440px}
.napbox .nl{color:#9fd8b6;font-size:.82rem;font-weight:600}

/* T6 FAQ */
.faqgrid{display:grid;grid-template-columns:minmax(0,1.27fr) minmax(0,1fr);gap:2rem;align-items:stretch}
.faq-left{display:flex;flex-direction:column;gap:1rem}
.acc{display:flex;flex-direction:column;gap:.6rem}
.acc .qa{background:var(--card);border-radius:var(--r-in);box-shadow:var(--shadow);padding:.85rem 1.1rem}
.acc .qa h3{font-size:.98rem;font-weight:600}
.acc .qa p{margin-top:.25rem;color:var(--muted);font-size:.9rem}
.acc summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:1rem;align-items:center;min-height:56px;font-weight:600}
.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:var(--muted);font-size:.93rem}
.faq-img{position:relative;border-radius:var(--r-in);overflow:hidden;min-height:0}
.faq-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 35%;border-radius:var(--r-in)}

/* CTA band */
.ctaband{background:var(--ink);border-radius:var(--r);padding:var(--pad);color:#fff;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.4rem}
.ctaband .eyebrow{color:#cfe0f5}
.ctaband h2{color:#fff;margin:.5rem 0 .4rem}
.ctaband p{color:#dde6f3}

/* footer */
.footer{background:var(--panel);border-radius:var(--r);padding:var(--pad);box-shadow:var(--shadow);margin-bottom:22px}
.fgrid{display:grid;grid-template-columns:minmax(0,1.5fr) repeat(3,minmax(0,1fr));gap:2rem}
.fgrid .logo{margin:0 0 .8rem}
.fgrid>div>p{font-size:.9rem;color:var(--muted)}
.fgrid address{font-style:normal;font-size:.88rem;color:var(--muted);margin-top:.8rem;display:flex;flex-direction:column;gap:.15rem}
.fgrid address a{color:var(--text);text-decoration:none}
.fhd{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink);margin-bottom:.7rem}
.fgrid ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.1rem}
.fgrid ul a{display:inline-flex;align-items:center;min-height:32px;color:var(--text);text-decoration:none;font-size:.9rem}
.fgrid ul a:hover{color:var(--ink);text-decoration:underline}
.fdisc{border-top:1px solid var(--line);margin-top:1.6rem;padding-top:1.2rem;font-size:.8rem;color:var(--muted);display:flex;flex-direction:column;gap:.6rem}
.fdisc strong{color:var(--text)}

/* inner pages: section cards */
.sec{display:grid;grid-template-columns:minmax(0,260px) minmax(0,680px);gap:2.4rem;justify-content:space-between}
.sec .sl{position:relative}
.sec .sl>div{position:sticky;top:96px}
.sec .num{font-size:.78rem;font-weight:600;letter-spacing:.14em;color:var(--accent-ink)}
.sec h2{margin-top:.4rem}
.body{display:flex;flex-direction:column;gap:1rem;color:#2A3442}
.body h3{margin-top:.6rem}
.body ul,.body ol{margin:0;padding-left:1.25rem;display:flex;flex-direction:column;gap:.4rem}
.body .ans{font-size:1.05rem;color:var(--text);text-wrap:balance}
.sec.full{grid-template-columns:minmax(0,1fr)}
.sec.full .sl>div{position:static}
.inline-img{width:100%;height:auto;aspect-ratio:3/4;object-fit:cover;border-radius:var(--r-in);max-width:360px}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,300px);gap:1.6rem;align-items:start}
.callout{background:var(--card);border:1px solid var(--line);border-left:3px solid var(--accent);border-radius:10px;padding:1rem 1.1rem;font-size:.93rem}
.mfaq{display:flex;flex-direction:column;gap:1.1rem}
.mfaq h3{font-size:1.02rem}
.mfaq p{color:var(--muted);margin-top:.3rem}
.related ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.6rem}
.related a{display:flex;align-items:center;min-height:48px;padding:.6rem .9rem;background:var(--card);border:1px solid var(--line);border-radius:10px;text-decoration:none;color:var(--text);font-weight:500;font-size:.93rem}
.related a:hover{border-color:var(--ink);color:var(--ink)}
.author{display:flex;gap:1rem;align-items:flex-start;margin-top:1.2rem;padding-top:1.2rem;border-top:1px solid var(--line)}
.author .initials{width:52px;height:52px;font-size:1.05rem}
.author b{display:block}
.author span{font-size:.86rem;color:var(--muted)}
.author p{font-size:.9rem;color:var(--muted);margin-top:.35rem}
.share{display:flex;gap:.5rem;flex-wrap:wrap;margin-top:1rem}
.share a{min-height:40px;display:inline-flex;align-items:center;padding:0 .9rem;border:1px solid var(--line);border-radius:999px;font-size:.84rem;text-decoration:none;color:var(--text);background:var(--card)}
.explore .grp{display:flex;flex-direction:column;gap:.6rem}
.explore .grp+.grp{margin-top:1.2rem}
.explore .lbl{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.pills{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;margin:0;padding:0}
.pills a{display:inline-flex;align-items:center;min-height:40px;padding:0 1rem;border-radius:999px;background:var(--card);border:1px solid var(--line);text-decoration:none;color:var(--text);font-size:.9rem;font-weight:500}
.pills a:hover{border-color:var(--ink);color:var(--ink)}
.postgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.post{display:flex;flex-direction:column;background:var(--card);border-radius:var(--r-in);box-shadow:var(--shadow);overflow:hidden;text-decoration:none;color:inherit}
.post img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.post .pb{display:flex;flex-direction:column;gap:.45rem;padding:1.1rem 1.2rem 1.2rem;flex:1}
.post .pc{font-size:.72rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--accent-ink)}
.post h3{font-size:1.04rem}
.post p{font-size:.88rem;color:var(--muted)}
.post .go{margin-top:auto;font-weight:600;color:var(--ink);font-size:.88rem}
.relposts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}
.glossary dl{margin:0;display:flex;flex-direction:column;gap:1.1rem}
.glossary dt{font-weight:600;font-size:1.05rem;scroll-margin-top:110px}
.glossary dd{margin:.25rem 0 0;color:#2A3442}
.letters{display:flex;flex-wrap:wrap;gap:.35rem}
.letters a{min-width:40px;min-height:40px;display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--line);border-radius:8px;background:var(--card);text-decoration:none;font-weight:600}
.lender h3{font-size:1.1rem}
.lender .lmeta{display:flex;flex-wrap:wrap;gap:.4rem;margin:.2rem 0 .3rem}
.lender .lmeta span{font-size:.76rem;background:rgba(31,74,134,.07);color:var(--ink);padding:.2rem .55rem;border-radius:999px}

/* scroll to top ring */
.totop{position:fixed;right:calc(1.4rem + env(safe-area-inset-right,0px));bottom:calc(1.4rem + 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 10px 28px -8px rgba(0,0,0,.45),0 0 0 6px rgba(46,139,87,.12)}
.totop svg.r{position:absolute;inset:0;width:56px;height:56px;transform:rotate(-90deg)}
.totop .tr{fill:none;stroke:var(--line);stroke-width:3}
.totop .pr{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 .ar{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}
.totop .pct{position:absolute;bottom:-1.4rem;left:50%;transform:translateX(-50%);font-size:.62rem;font-weight:600;letter-spacing:.08em;color:var(--muted)}
.stickybar{display:none}

.body .subh{font-size:1.18rem;font-weight:600;margin:1.6rem 0 .1rem;scroll-margin-top:110px}
/* ---------- responsive ---------- */
@media (max-width:1140px){.revgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:1140px){
  .faqgrid{grid-template-columns:minmax(0,1fr)}
  .faq-img{max-width:420px;width:100%;margin:0 auto}
  .faq-img img{position:static;height:auto;aspect-ratio:3/5}
}
@media (max-width:1180px){
  .menu>li>a,.menu>li>button{padding:0 .55rem;font-size:.9rem}
  .logo{margin-right:.4rem}
}
@media (max-width:1020px){
  .grid3,.cats.n6,.postgrid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .grid4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .steps-wrap,.m4,.t1,.sec,.split{grid-template-columns:minmax(0,1fr)}
  .sec .sl>div{position:static}
  .band{flex-direction:column;height:auto}
  .band>img{position:static;order:2;width:calc(100% - 2*var(--pad));max-width:720px;height:auto;margin:0 auto var(--pad);border-radius:var(--r-in)}
  .band::after{display:none}
  .pcard,.nap-card{flex-direction:column;min-height:0}
  .pcard>img.pimg{position:static;order:2;width:calc(100% - 2*var(--pad));height:auto;max-width:720px;margin:0 auto var(--pad);border-radius:var(--r-in)}
  .est-card>img.pimg,.nap-card>img.pimg{display:none}
  .pcard::after,.nap-card::after{display:none}
  .pcard .pin{max-width:none}
  .est-card .pin,.nap-in{grid-template-columns:minmax(0,1fr)}
  .inline-img{margin:0 auto}
}
@media (max-width:900px){
  .burger{display:inline-flex}
  .nav-in{flex-wrap:wrap;background:var(--panel);border-color:var(--line);box-shadow:var(--shadow)}
  .menu,.nav-space,.nav-apply{display:none}
  .nav.open .menu{display:flex;flex-direction:column;align-items:stretch;width:100%;order:3;padding:.4rem 0;gap:0}
  .nav.open .nav-apply{display:inline-flex;order:4;width:100%;margin:.3rem 0 .4rem}
  .menu>li>a,.menu>li>button{width:100%;justify-content:space-between;min-height:48px}
  .dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;width:auto;max-width:none;background:transparent;padding:0 0 .3rem .6rem}
  .dd::before{display:none}
  .menu>li.open>.dd{display:block}
  .menu>li:hover>.dd{display:none}
  .menu>li.open:hover>.dd{display:block}
  .dd a{min-height:44px;display:flex;align-items:center}
  .hero-text{padding-top:calc(var(--pad) + 72px)}
}
@media (max-width:760px){
  .intro-cols,.grid2,.cats.n4,.relposts{grid-template-columns:minmax(0,1fr)}
  .values{grid-template-columns:minmax(0,1fr)}
  .fgrid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .fgrid>div:first-child{grid-column:1/-1}
}
@media (max-width:700px){.checks{grid-template-columns:minmax(0,1fr)}}
@media (max-width:620px){
  .grid3,.grid4,.cats.n6,.postgrid,.related ul{grid-template-columns:minmax(0,1fr)}
  .stats{grid-template-columns:repeat(2,minmax(0,1fr))}
  .formcard{padding:1.2rem .8rem;border-radius:12px}
  .steplist li{grid-template-columns:40px minmax(0,1fr)}
  .steplist em{grid-column:2}
  .facts{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
}
@media (max-width:600px){
  .totop{display:none}
  .stickybar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:1000;align-items:center;justify-content:space-between;gap:.8rem;padding:.65rem max(16px,env(safe-area-inset-right,0px)) calc(.65rem + env(safe-area-inset-bottom,0px)) max(16px,env(safe-area-inset-left,0px));background:var(--panel);border-top:1px solid var(--line);box-shadow:0 -8px 24px -16px rgba(0,0,0,.3);transform:translateY(110%);transition:transform .25s}
  .stickybar.show{transform:none}
  .stickybar p{font-size:.84rem;font-weight:500}
  .stickybar .btn{min-height:44px;padding:.55rem 1.1rem}
  body{padding-bottom:76px}
  .fgrid{grid-template-columns:minmax(0,1fr)}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}