/* achievespersonalloan.com — Design v2 (quiet editorial fintech). Tokens from SEED achievespersonalloan.com-2026-11-11:
   Inter / Instrument Serif (1 spot) · radius 18 · card edge hairline · eyebrow rule · dark feature #5 */
@font-face{font-family:"Inter";src:url(fonts/inter-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Inter";src:url(fonts/inter-latin-500-normal.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"Inter";src:url(fonts/inter-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Instrument Serif";src:url(fonts/instrument-serif-subset.woff2) format("woff2");font-weight:400;font-display:swap}
:root{
  --ink:#1F3B73;--ink-dk:#152A54;--accent:#8CC4EC;--bg:#E7EEF5;--panel:#F4F8FB;--card:#FFFFFF;--line:#D2DDE8;
  --text:#0E1116;--muted:#4A5766;--soft:#2A3442;--good:#1E6B4A;
  --r:18px;--r-in:12px;--gut:22px;--pad:clamp(1.4rem,4vw,2.9rem);--max:1200px;
  --sans:"Inter",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --serif:"Instrument Serif",Georgia,"Times New Roman",serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--muted);font:400 16px/1.6 var(--sans);font-variant-numeric:tabular-nums}
img{max-width:100%;display:block}
a{color:var(--ink);text-underline-offset:2px}
a:hover{color:var(--ink-dk)}
:focus-visible{outline:2px solid var(--ink);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4{color:var(--text);font-weight:500;margin:0;text-wrap:balance}
h1{font-size:clamp(2.2rem,4.2vw,3.25rem);line-height:1.08;letter-spacing:-.03em}
h2{font-size:clamp(1.6rem,2.8vw,2.1rem);line-height:1.15;letter-spacing:-.02em}
h3{font-size:1.14rem;line-height:1.3;letter-spacing:-.01em}
p{margin:0 0 1em}
p:last-child{margin-bottom:0}
strong{color:var(--text);font-weight:600}
.skip{position:absolute;left:-999px;top:8px;background:var(--card);padding:.6rem 1rem;border-radius:8px;z-index:2147483001}
.skip:focus{left:12px}
.wrap{max-width:calc(var(--max) + 2*max(16px,env(safe-area-inset-left,0px)));margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
main{display:flex;flex-direction:column;gap:var(--gut);padding-bottom:var(--gut)}
.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad);position:relative}
.tile{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:1.25rem 1.3rem}
.eyebrow{display:flex;align-items:center;gap:.6rem;font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink);margin:0 0 .9rem}
.eyebrow::before{content:"";width:22px;height:1.5px;background:currentColor;flex:none}
.lead{font-size:1.06rem;color:var(--soft);max-width:60ch;text-wrap:balance}
.answer{font-size:1.04rem;color:var(--soft);text-wrap:balance}
.note{font-size:.88rem;color:var(--muted)}
.mt{margin-top:1rem}
.btns{display:flex;flex-wrap:wrap;gap:.7rem;align-items:center}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:46px;padding:0 1.3rem;border-radius:10px;font:600 .95rem/1 var(--sans);text-decoration:none;border:1px solid transparent;cursor:pointer;white-space:nowrap}
.btn-p{background:var(--ink);color:#fff}
.btn-p:hover{background:var(--ink-dk);color:#fff}
.btn-s{background:var(--card);color:var(--text);border-color:var(--line)}
.btn-s:hover{border-color:var(--ink);color:var(--ink)}
.btn-w{background:#fff;color:var(--ink)}
.btn-w:hover{background:var(--panel);color:var(--ink-dk)}
.link{font-weight:600;text-decoration:none;display:inline-flex;gap:.35rem;align-items:center}
.link::after{content:"→";transition:transform .15s}
.link:hover::after{transform:translateX(3px)}
.stars{display:inline-flex;gap:2px;vertical-align:middle}
.stars svg{width:16px;height:16px}
.stars.lg svg{width:22px;height:22px}
.ico{width:22px;height:22px;stroke:var(--ink);fill:none;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round;flex:none}

/* ---------- nav ---------- */
.navwrap{position:sticky;top:env(safe-area-inset-top,0px);height:0;z-index:2147483000;isolation:isolate}
.nav{max-width:var(--max);margin:var(--gut) auto 0;display:flex;align-items:center;gap:1.4rem;padding:.7rem var(--pad);border:1px solid transparent;border-radius:var(--r);transition:background-color .2s,border-color .2s,margin .2s,padding .2s}
.navwrap.float .nav{background:var(--panel);border-color:var(--line);margin-top:10px;padding-block:.5rem;box-shadow:0 10px 30px -18px rgba(14,17,22,.35)}
.logo{display:flex;align-items:center;gap:.65rem;text-decoration:none;color:var(--text);flex:none}
.logo img{height:22px;width:auto}
.logo span{font-size:.72rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;line-height:1.2}
.menu{display:flex;align-items:center;gap:.25rem;list-style:none;margin:0;padding:0;flex:1}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{display:flex;align-items:center;gap:.3rem;min-height:44px;padding:0 .7rem;font:500 .93rem/1 var(--sans);color:var(--text);text-decoration:none;background:none;border:0;border-radius:8px;cursor:pointer}
.menu>li>a:hover,.menu>li>button:hover,.menu>li.open>button{color:var(--ink)}
.menu>li>button svg{width:12px;height:12px;stroke:currentColor;fill:none;stroke-width:2}
.dd{position:absolute;top:100%;left:0;margin:0;padding:.45rem;list-style:none;background:var(--panel);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);box-shadow:0 18px 40px -22px rgba(14,17,22,.4);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;padding:.6rem .8rem;border-radius:8px;color:var(--text);text-decoration:none;font-size:.93rem;white-space:nowrap}
.dd a:hover{background:var(--card);color:var(--ink)}
.menu .spacer{flex:1}
.nav .apply{flex:none;border-radius:999px;padding:0 1.25rem;min-height:44px}
.burger{display:none;margin-left:auto;width:44px;height:44px;border:1px solid var(--line);background:var(--card);border-radius:10px;cursor:pointer;align-items:center;justify-content:center}
.burger svg{width:20px;height:20px;stroke:var(--text);stroke-width:1.8;fill:none}

/* ---------- breadcrumb ---------- */
.crumbs{display:flex;flex-wrap:wrap;gap:.4rem;list-style:none;margin:0 0 1rem;padding:0;font-size:.82rem;color:var(--soft)}
.crumbs li+li::before{content:"/";margin-right:.4rem;color:var(--muted)}
.crumbs a{color:var(--soft);text-decoration:none}
.crumbs a:hover{color:var(--ink);text-decoration:underline}

/* ---------- hero / header card (stack first, full-bleed above breakpoint) ---------- */
.hero{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);margin-top:var(--gut);overflow:hidden;position:relative}
.hero-text{position:relative;z-index:1;padding:calc(var(--pad) + 74px) var(--pad) var(--pad)}
.hero-text>*{max-width:560px}
.hero h1{margin-bottom:.9rem}
.hero.home h1{font-size:clamp(2.1rem,3.7vw,2.85rem)}
.hero .lead{margin-bottom:1.3rem}
.hero>img{width:calc(100% - 2*var(--pad));max-width:720px;height:auto;aspect-ratio:16/9;object-fit:cover;margin:0 var(--pad) var(--pad);border-radius:var(--r-in)}
.trust{display:flex;align-items:center;gap:.55rem;flex-wrap:wrap;margin-top:1.2rem;font-size:.9rem;color:var(--soft)}
.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}
.trust b{color:var(--text);font-weight:600}
.hq{margin:1rem 0 0;padding:.75rem 1rem;border-left:3px solid var(--ink);background:rgba(255,255,255,.55);border-radius:0 10px 10px 0;max-width:480px}
.hq p{font-style:italic;color:var(--text);margin:0 0 .3rem;font-size:.95rem}
.hq small{font-size:.82rem;color:var(--soft)}
.chips{list-style:none;margin:0 0 1.2rem;padding:0;display:flex;gap:.35rem;flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none}
.chips::-webkit-scrollbar{display:none}
.chips li{flex:none}
.chips a{display:inline-flex;align-items:center;height:32px;padding:.3rem .65rem;font-size:.8rem;font-weight:500;color:var(--text);background:#fff;border:1px solid var(--line);border-radius:999px;text-decoration:none;white-space:nowrap}
.chips a:hover{border-color:var(--ink);color:var(--ink)}
.stat-strip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.6rem;margin-top:1.1rem;max-width:560px}
.stat-strip div{background:rgba(255,255,255,.7);border:1px solid var(--line);border-radius:10px;padding:.5rem .7rem}
.stat-strip b{display:block;color:var(--text);font-size:1rem}
.stat-strip span{font-size:.74rem;color:var(--soft)}
.byline{font-size:.85rem;color:var(--soft);margin:-.4rem 0 1rem}
@media (min-width:1181px){
  .hero.fb{aspect-ratio:16/9}
  .hero.fb>img{position:absolute;inset:0;width:100%;height:100%;max-width:none;margin:0;border-radius:0;object-fit:cover;z-index:0}
  .hero.fb::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;
    background:linear-gradient(90deg,rgba(244,248,251,.72) 0,rgba(244,248,251,.62) calc(var(--pad) + 300px),rgba(244,248,251,.55) calc(var(--pad) + 480px),rgba(244,248,251,0) max(56%,calc(var(--pad) + 560px)))}
  .hero.fb .hero-text{position:relative;z-index:1;max-width:calc(var(--pad) + 600px)}
  .hero.fb .hero-text>*{max-width:480px}
  .hero.fb .chips{flex-wrap:wrap;display:block;text-wrap:balance;font-size:0;line-height:0;max-width:600px;margin-left:-.175rem;margin-right:-.175rem;overflow:visible}
  .hero.fb .chips li{display:inline-block;margin:.175rem}
  .hero.fb .lead,.hero.fb .crumbs,.hero.fb .crumbs a,.hero.fb .trust,.hero.fb .byline{color:#1B222C}
  .hero.fb .eyebrow{color:var(--ink-dk)}
  .hero.fb .stat-strip{display:none}
}

/* ---------- form card ---------- */
.formcard{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;overflow:hidden}
.formcard::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--accent)}
.formcard h2{margin-bottom:.4rem}
.formcard .trustline{font-size:.92rem;color:var(--soft);margin-bottom:1.2rem}
.formbox{position:relative;z-index:1;isolation:isolate;display:flex;justify-content:center;min-height:120px}
.formbox>div{width:100%}

/* ---------- generic grids ---------- */
.g2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--gut)}
.grid3{align-items:stretch}
.g3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.g4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}
.sec-head{display:flex;justify-content:space-between;align-items:flex-end;gap:1.5rem;flex-wrap:wrap;margin-bottom:1.6rem}
.sec-head>div{max-width:640px}
.sec-head h2{margin-bottom:.6rem}

/* intro */
.intro-cols{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2.4rem;margin-bottom:1.8rem}
.intro-cols h2{font-size:clamp(1.45rem,2.3vw,1.8rem);margin-bottom:.7rem}
.feat .tile{display:flex;flex-direction:column;gap:.55rem}
.feat h3{font-size:1.02rem}
.feat p{font-size:.93rem;margin:0}

/* dark band */
.band{background:#0F1D3A;border:0;color:#DCE6F2;overflow:hidden;min-height:440px;display:flex;align-items:center}
.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,#0F1D3A 0,#0F1D3A 42%,rgba(15,29,58,.55) 54%,rgba(15,29,58,.1) 66%)}
.band-in{position:relative;z-index:1;max-width:480px}
.band .eyebrow{color:var(--accent)}
.band-title{font-family:var(--serif);font-weight:400;font-size:clamp(2.2rem,4.3vw,3.3rem);line-height:1.04;letter-spacing:-.01em;color:#fff;margin:0 0 1.4rem}
.values{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin:0 0 1.6rem;padding:0;list-style:none}
.values li{font-size:.86rem;line-height:1.4;color:#C9D6E6}
.values svg{width:22px;height:22px;stroke:var(--accent);fill:none;stroke-width:1.5;display:block;margin-bottom:.45rem}
.wordmark{font-size:clamp(1.3rem,2.4vw,1.7rem);font-weight:600;letter-spacing:.16em;color:#fff;text-transform:uppercase;line-height:1.1}
.wordmark+p{color:var(--accent);font-size:.92rem;margin-top:.35rem}

/* M1 feature grid */
.fg .tile{display:flex;flex-direction:column;gap:.6rem;min-height:190px}
.fg .tile .k{font-size:1.65rem;font-weight:600;color:var(--text);letter-spacing:-.02em;line-height:1.1}
.fg .tile h3{font-size:1rem}
.fg .tile p{font-size:.92rem;margin:0}
.tile.dark{background:var(--ink);border-color:var(--ink);color:#D5E1F0}
.tile.dark .k,.tile.dark h3{color:#fff}
.tile.dark .ico{stroke:var(--accent)}

/* M2 tiers */
.tier{display:flex;flex-direction:column;gap:.7rem;position:relative}
.tier .amt{font-size:1.5rem;font-weight:600;color:var(--text);letter-spacing:-.02em}
.tier ul{margin:0;padding-left:1.1rem;font-size:.93rem}
.tier .bar{height:6px;background:var(--bg);border-radius:6px;overflow:hidden}
.tier .bar i{display:block;height:100%;background:var(--accent);border-radius:6px}
.badge{display:inline-block;font-size:.7rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--ink);background:#E3EEF9;border:1px solid #C9DDF1;border-radius:999px;padding:.25rem .6rem;width:max-content}
.tier .link{margin-top:auto}

/* M3 steps */
.steps{display:grid;grid-template-columns:minmax(0,300px) minmax(0,1fr);gap:2.4rem;align-items:center}
.ring{position:relative;width:min(260px,100%);aspect-ratio:1;margin:0 auto}
.ring svg{width:100%;height:100%;transform:rotate(-90deg)}
.ring .rt{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
.ring .rt b{font-size:2rem;color:var(--text);font-weight:600;letter-spacing:-.02em}
.ring .rt span{font-size:.82rem;color:var(--soft);max-width:150px}
.steplist{list-style:none;margin:0;padding:0;display:grid;gap:.8rem}
.steplist li{display:grid;grid-template-columns:42px minmax(0,1fr) auto;gap:1rem;align-items:start;background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:1rem 1.1rem}
.steplist .n{width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:600;font-size:.9rem}
.steplist h3{font-size:1rem;margin-bottom:.25rem}
.steplist p{font-size:.92rem;margin:0}
.steplist .t{font-size:.76rem;font-weight:600;color:var(--ink);background:#E3EEF9;border-radius:999px;padding:.2rem .55rem;white-space:nowrap}

/* M4 amount tabs */
.amt-tabs{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.25fr);gap:var(--gut);align-items:stretch}
.amt-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.55rem}
.amt-list li{flex:1 1 0;display:flex}
.amt-list a{flex:1;display:flex;flex-direction:column;justify-content:center;gap:.15rem;padding:.75rem 1rem;background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);text-decoration:none;color:var(--text)}
.amt-list a span{white-space:nowrap}
.amt-list a .s{font-size:.82rem;color:var(--muted)}
.amt-list a[aria-selected="true"]{border-color:var(--ink);box-shadow:inset 3px 0 0 var(--ink)}
.amt-list a .t1{font-weight:600}
.panels{display:flex;flex-direction:column}
.panel{flex:1;background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:1.6rem;display:flex;flex-direction:column;gap:1rem}
.panel[hidden]{display:none}
.panel .big{font-size:2.4rem;font-weight:600;color:var(--text);letter-spacing:-.03em;line-height:1}
.panel dl{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.7rem;margin:0}
.panel dl div{background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:.65rem .8rem}
.panel dt{font-size:.75rem;color:var(--muted)}
.panel dd{margin:0;font-weight:600;color:var(--text)}
.panel .btns{margin-top:auto}

/* M5 categories (4 → 2×2) */
.catg{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}
.cat{display:flex;flex-direction:column;gap:.55rem;text-decoration:none;color:inherit}
.cat:hover{border-color:var(--ink)}
.cat h3{color:var(--text)}
.cat p{margin:0;font-size:.93rem}
.cat .link{margin-top:auto;color:var(--ink)}

/* M6 eligibility + estimator (full width, stacked) */
.rimg{overflow:hidden}
.rimg>img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}
.rimg::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(244,248,251,.35) calc(var(--pad) + 720px),rgba(244,248,251,.2) 100%)}
.rimg>:not(img){position:relative;z-index:1}
.elig{min-height:440px;display:flex;flex-direction:column}
.elig .col{max-width:560px;display:flex;flex-direction:column;flex:1}
.check{list-style:none;margin:1rem 0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.5rem}
.check label{display:flex;align-items:center;gap:.55rem;background:#fff;border:1px solid var(--line);border-radius:10px;padding:.55rem .7rem;font-size:.9rem;color:var(--text);cursor:pointer;white-space:nowrap;min-height:44px}
.check input{width:18px;height:18px;accent-color:var(--ink);flex:none}
.meter{display:flex;align-items:center;gap:.8rem;font-size:.88rem;color:var(--soft);margin-bottom:1rem}
.meter .bar{flex:1;max-width:220px;height:6px;background:var(--bg);border-radius:6px;overflow:hidden}
.meter .bar i{display:block;height:100%;width:0;background:var(--accent);transition:width .2s}
.elig .link,.est .link{margin-top:auto}
.est{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:2rem;align-items:stretch}
.est .col{max-width:460px;display:flex;flex-direction:column}
.est::after{background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 470px),rgba(244,248,251,.35) calc(var(--pad) + 620px),rgba(244,248,251,.15) 100%)}
.facts{list-style:none;margin:1rem 0;padding:0;display:grid;gap:.6rem}
.facts li{display:flex;gap:.7rem;align-items:flex-start;font-size:.93rem}
.facts b{color:var(--text)}
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r-in);padding:1.4rem;display:flex;flex-direction:column;gap:1rem}
.calc label{font-size:.82rem;font-weight:600;color:var(--text);display:flex;justify-content:space-between}
.calc input[type=range]{width:100%;accent-color:var(--ink);height:28px}
.calc select{width:100%;min-height:44px;border:1px solid var(--line);border-radius:10px;padding:0 .7rem;font:inherit;color:var(--text);background:#fff}
.calc .res{background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:1rem}
.calc .res b{display:block;font-size:2rem;color:var(--text);letter-spacing:-.02em;line-height:1.1}
.calc .res span{font-size:.82rem;color:var(--muted)}
.calc .row2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.7rem}

/* M7 reviews + compare */
.sumbar{display:flex;flex-wrap:wrap;align-items:center;gap:1rem 1.4rem;margin-bottom:1.4rem}
.sum-score{display:flex;align-items:center;gap:.8rem}
.sum-score .big{font-size:2.6rem;font-weight:600;color:var(--text);letter-spacing:-.03em;line-height:1}
.rv{display:flex;flex-direction:column;gap:.6rem}
.rv-h{display:flex;align-items:center;gap:.7rem}
.initials{width:44px;height:44px;border-radius:50%;background:#E3EEF9;color:var(--ink);font-weight:600;display:flex;align-items:center;justify-content:center;flex:none}
.initials.sm{width:38px;height:38px;font-size:.85rem}
.rv-n{margin:0;color:var(--text);font-weight:600;font-size:.95rem}
.rv-c{margin:0;font-size:.8rem}
.rv h3{font-size:1rem}
.rv p{font-size:.92rem;margin:0}
.rv .rv-t{margin-top:auto;font-size:.78rem;color:var(--ink);font-weight:600}
.tw{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-in);background:#fff}
table{width:100%;border-collapse:collapse;font-size:.92rem}
th,td{text-align:left;padding:.75rem .9rem;border-bottom:1px solid var(--line);vertical-align:top}
th{color:var(--text);font-weight:600;background:var(--panel);font-size:.84rem}
tr:last-child td{border-bottom:0}
td:first-child{color:var(--text);font-weight:500}
.dots{letter-spacing:.12em;color:var(--ink);white-space:nowrap}
.dots i{font-style:normal;color:#B8C7D8}

/* T1 rates */
.rates{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:var(--gut);align-items:stretch}
.rates .left{display:flex;flex-direction:column;gap:1rem}
.factors{flex:1;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.7rem;background:#fff;border:1px solid var(--line);border-radius:var(--r-in);padding:1.1rem}
.factors h3{grid-column:1/-1;font-size:.98rem}
.factors div{font-size:.88rem}
.factors b{display:block;color:var(--text);font-size:.9rem}
.darkcard{background:var(--ink);color:#D5E1F0;border-radius:var(--r-in);padding:1.6rem;display:flex;flex-direction:column;gap:.9rem}
.darkcard h3{color:#fff;font-size:1.15rem}
.darkcard dl{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.6rem;margin:0}
.darkcard dl div{background:rgba(255,255,255,.08);border-radius:10px;padding:.6rem .75rem}
.darkcard dt{font-size:.74rem;color:#AFC3DB}
.darkcard dd{margin:0;color:#fff;font-weight:600}
.darkcard .link{color:#fff;margin-top:auto}
.darkcard p{font-size:.88rem;margin:0}
.darkcard .split2{border-top:1px solid rgba(255,255,255,.18);padding-top:.8rem;display:grid;gap:.35rem;font-size:.86rem}
.darkcard .split2 b{color:#fff}

/* T2/T3/T4 */
.why .tile{display:flex;flex-direction:column;gap:.5rem}
.why h3{font-size:1rem}
.why p{font-size:.92rem;margin:0}
.cols3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.6rem}
.cols3 h3,.cols2 h3{margin-bottom:.5rem}
.cols3 p:not(.eyebrow),.cols2 p:not(.eyebrow){font-size:.94rem}
.cols2 h2{margin-bottom:.4rem}
.cols2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.6rem}
.cols2 ul{margin:0;padding-left:1.1rem;font-size:.93rem}
.cols2 li+li{margin-top:.35rem}

/* T5 who we are */
.who{min-height:420px;display:grid;grid-template-columns:minmax(0,520px) minmax(0,1fr);gap:2rem;align-items:center}
.who::after{background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 530px),rgba(244,248,251,.4) calc(var(--pad) + 680px),rgba(244,248,251,.1) 100%)}
.who .who-copy{max-width:520px}
.nap{background:var(--ink);color:#D5E1F0;border-radius:var(--r-in);padding:1.6rem;max-width:380px;justify-self:end;width:100%}
.nap .wm{color:#fff;font-weight:600;letter-spacing:.14em;text-transform:uppercase;font-size:.86rem;margin-bottom:.8rem}
.nap address{font-style:normal;line-height:1.7;font-size:.94rem}
.nap .nl{color:var(--accent);font-weight:600;margin-top:.8rem;font-size:.88rem}
.reviewed{display:inline-flex;gap:.6rem;align-items:center;background:#fff;border:1px solid var(--line);border-radius:10px;padding:.6rem .85rem;font-size:.84rem;color:var(--soft);margin-top:.6rem}

/* T6 faq */
.faqgrid{display:grid;grid-template-columns:minmax(0,1.27fr) minmax(0,1fr);gap:2rem;align-items:stretch}
.faqcol{display:flex;flex-direction:column}
.acc{border-top:1px solid var(--line)}
.acc details{border-bottom:1px solid var(--line)}
.acc summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:1rem;padding:1rem 0;font-weight:500;color:var(--text);min-height:44px}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"+";font-size:1.3rem;line-height:1;color:var(--ink)}
.acc details[open] summary::after{content:"–"}
.acc details p{margin:0 0 1rem;font-size:.94rem}
.faqcol .link{margin-top:1.4rem}
.faqimg{position:relative}
.faqimg img{position:sticky;top:96px;width:100%;height:auto;aspect-ratio:3/5;object-fit:cover;border-radius:var(--r-in)}

/* CTA band */
.cta{background:var(--ink);border-color:var(--ink);color:#D5E1F0;display:flex;justify-content:space-between;align-items:center;gap:1.5rem 2.5rem;flex-wrap:wrap}
.cta h2{color:#fff;margin-bottom:.4rem}
.cta .eyebrow{color:var(--accent)}
.cta p{margin:0;max-width:56ch}

/* ---------- inner pages ---------- */
.sc{display:grid;grid-template-columns:minmax(0,300px) minmax(0,680px);gap:2.4rem;justify-content:space-between}
.sc .side{position:relative}
.sc .side>div{position:sticky;top:100px}
.sc .num{font-size:.78rem;font-weight:600;letter-spacing:.14em;color:var(--ink);margin-bottom:.7rem;display:block}
.sc .body{min-width:0}
.sc.full{display:block}
.sc.full h2{margin-bottom:1rem;max-width:760px}
.sc.full .num{display:block;font-size:.78rem;font-weight:600;letter-spacing:.14em;color:var(--ink);margin-bottom:.6rem}
.body p{color:var(--soft)}
.body ul,.body ol{padding-left:1.2rem;margin:0 0 1em;color:var(--soft)}
.body li+li{margin-top:.4rem}
.body h3{margin:1.4rem 0 .5rem}
.body .tw{margin:1.2rem 0}
.callout{background:#fff;border:1px solid var(--line);border-radius:var(--r-in);padding:1rem 1.2rem;margin:1.2rem 0;font-size:.95rem}
.callout b{color:var(--text)}
.split{float:right;width:min(40%,330px);margin:.3rem 0 1rem 1.6rem;border-radius:var(--r-in);height:auto;aspect-ratio:3/4;object-fit:cover}
.opts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin-top:1.2rem}
.opts .tile{display:flex;flex-direction:column;gap:.5rem}
.opts .amt{font-size:1.4rem;font-weight:600;color:var(--text);letter-spacing:-.02em}
.opts p{font-size:.9rem;margin:0}
.opts .link{margin-top:auto}
.qa{display:grid;gap:1rem}
.qa div{background:#fff;border:1px solid var(--line);border-radius:var(--r-in);padding:1.1rem 1.25rem}
.qa h3{font-size:1.02rem;margin-bottom:.45rem}
.qa p{margin:0;font-size:.95rem}
.explore .grp{margin-top:1rem}
.explore .grp p{font-size:.78rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--ink);margin-bottom:.6rem}
.pills{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.5rem}
.pills a{display:inline-flex;align-items:center;min-height:40px;padding:0 .95rem;background:#fff;border:1px solid var(--line);border-radius:999px;text-decoration:none;color:var(--text);font-size:.9rem}
.pills a:hover{border-color:var(--ink);color:var(--ink)}
.rel{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,320px);gap:2rem;align-items:start}
.rel ul{list-style:none;margin:0;padding:0;display:grid;gap:.5rem}
.rel li a{display:flex;justify-content:space-between;gap:1rem;padding:.75rem 1rem;background:#fff;border:1px solid var(--line);border-radius:10px;text-decoration:none;color:var(--text)}
.rel li a::after{content:"→";color:var(--ink)}
.author{display:flex;gap:1rem;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--r-in);padding:1.1rem}
.author p{margin:0;font-size:.88rem}
.author .rv-n{font-size:.95rem}
.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;background:#fff;text-decoration:none;font-size:.85rem;color:var(--text)}
.posts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.post{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r-in);overflow:hidden;text-decoration:none;color:inherit}
.post img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.post div{padding:1rem 1.1rem;display:flex;flex-direction:column;gap:.45rem;flex:1}
.post .k{font-size:.72rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--ink)}
.post h3{font-size:1.02rem}
.post p{font-size:.9rem;margin:0}
.post .link{margin-top:auto;color:var(--ink)}
.posts.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.lenders{display:grid;gap:1rem}
.lender{background:#fff;border:1px solid var(--line);border-radius:var(--r-in);padding:1.2rem 1.3rem}
.lender h3{margin-bottom:.5rem}
.lender dl{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.6rem;margin:.6rem 0 .8rem}
.lender dl div{background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:.5rem .7rem}
.lender dt{font-size:.72rem;color:var(--muted)}
.lender dd{margin:0;font-weight:600;color:var(--text);font-size:.9rem}
.lender p{font-size:.93rem;margin:0}
.terms{display:grid;gap:.9rem}
.terms dt{font-weight:600;color:var(--text);font-size:1.02rem}
.terms dd{margin:.25rem 0 0;font-size:.95rem}
.terms>div{background:#fff;border:1px solid var(--line);border-radius:var(--r-in);padding:1rem 1.2rem;scroll-margin-top:100px}
.az{display:flex;flex-wrap:wrap;gap:.35rem;list-style:none;padding:0;margin:0 0 1rem}
.az a{display:inline-flex;align-items:center;justify-content:center;min-width:40px;min-height:40px;background:#fff;border:1px solid var(--line);border-radius:8px;text-decoration:none;font-weight:600}
.smap{columns:2;column-gap:2rem}
.smap h3{break-after:avoid;margin:0 0 .5rem}
.smap ul{break-inside:avoid;margin:0 0 1.4rem;padding-left:1.1rem}
.calcbig{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:var(--gut)}
.sched{max-height:360px;overflow:auto}
section[id],h2[id]{scroll-margin-top:96px}

/* ---------- footer ---------- */
footer.card{margin-bottom:var(--gut)}
.fgrid{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(3,minmax(0,1fr));gap:2rem}
.fgrid address{font-style:normal;font-size:.9rem;line-height:1.75;margin-top:1rem}
.fgrid .fh{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--text);margin-bottom:.8rem}
.fgrid ul{list-style:none;margin:0;padding:0;display:grid;gap:.15rem}
.fgrid li a{display:inline-flex;align-items:center;min-height:32px;color:var(--soft);text-decoration:none;font-size:.92rem}
.fgrid li a:hover{color:var(--ink);text-decoration:underline}
.fdesc{font-size:.92rem;margin-top:.8rem;max-width:34ch}
.fdis{border-top:1px solid var(--line);margin-top:2rem;padding-top:1.4rem;font-size:.8rem;line-height:1.6;color:var(--muted)}
.fdis p{margin-bottom:.7rem}
.copy{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;font-size:.8rem;margin-top:.6rem}

/* ---------- scroll ring + sticky bar ---------- */
.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(140,196,236,.25)}
.totop svg.r{position:absolute;inset:0;transform:rotate(-90deg)}
.totop svg.a{position:relative;width:18px;height:18px;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)}
.sbar{display:none}

/* ---------- responsive ---------- */
@media (max-width:1180px){
  .menu>li>a,.menu>li>button{padding:0 .5rem;font-size:.9rem}
  .nav{gap:.8rem}
}
@media (max-width:1020px){
  .g4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .g3{grid-template-columns:repeat(2,minmax(0,1fr))}
  .fg.g3,.why.g3,.rvs.g3,.posts{grid-template-columns:repeat(2,minmax(0,1fr))}
  .sc{grid-template-columns:minmax(0,1fr);gap:1rem}
  .sc .side>div{position:static}
  .steps,.amt-tabs,.rates,.faqgrid,.calcbig{grid-template-columns:minmax(0,1fr)}
  .rimg>img,.band>img{position:relative;width:100%;height:auto;max-width:720px;border-radius:var(--r-in);margin-top:1.4rem}
  .rimg::after,.band::after{display:none}
  .est>img,.who>img{display:none}
  .est,.who{grid-template-columns:minmax(0,1fr)}
  .elig,.est,.who,.band{min-height:0}
  .band{display:block}
  .nap{justify-self:start}
  .faqimg img{position:static;max-width:420px;aspect-ratio:3/5;height:auto;margin:0 auto}
  .fgrid{grid-template-columns:repeat(3,minmax(0,1fr))}
  .fgrid>div:first-child{grid-column:1/-1}
  .lender dl{grid-template-columns:repeat(2,minmax(0,1fr))}
  .rel{grid-template-columns:minmax(0,1fr)}
  .split{width:min(42%,300px)}
}
@media (max-width:860px){
  .burger{display:inline-flex}
  .menu{display:none;position:absolute;left:0;right:0;top:calc(100% + 8px);flex-direction:column;align-items:stretch;background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:.6rem;gap:0;max-height:calc(100vh - 120px);overflow:auto}
  .nav{position:relative;flex-wrap:nowrap}
  .nav.open .menu{display:flex}
  .menu .spacer{display:none}
  .dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;background:transparent;width:auto;max-width:none;padding:0 0 .4rem .8rem}
  .dd::before{display:none}
  .menu>li.open>.dd{display:block}
  .menu>li:hover>.dd{visibility:visible}
  .nav .apply{display:none}
  .logo span{font-size:.66rem;letter-spacing:.16em}
}
@media (max-width:760px){
  .check{grid-template-columns:minmax(0,1fr)}
  .intro-cols,.cols3,.cols2,.g2,.catg{grid-template-columns:minmax(0,1fr)}
  .values{grid-template-columns:minmax(0,1fr)}
  .opts{grid-template-columns:minmax(0,1fr)}
  .stat-strip{grid-template-columns:repeat(2,minmax(0,1fr))}
  .smap{columns:1}
  .split{float:none;width:100%;max-width:420px;margin:0 auto 1.2rem}
}
@media (max-width:700px){.check{grid-template-columns:minmax(0,1fr)}}
@media (max-width:620px){
  .g4,.g3,.fg.g3,.why.g3,.rvs.g3,.posts,.posts.two{grid-template-columns:minmax(0,1fr)}
  .fgrid{grid-template-columns:minmax(0,1fr)}
  .steplist li{grid-template-columns:36px minmax(0,1fr)}
  .steplist .t{grid-column:2;justify-self:start}
  .panel dl,.darkcard dl,.factors,.calc .row2{grid-template-columns:minmax(0,1fr)}
  .formcard{border-radius:12px;padding:1.2rem .8rem}
  .lender dl{grid-template-columns:minmax(0,1fr)}
}
@media (max-width:600px){
  .totop{display:none}
  .sbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:950;align-items:center;justify-content:space-between;gap:.8rem;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));font-size:.86rem;color:var(--text);transform:translateY(110%);transition:transform .25s}
  .sbar.show{transform:none}
  .sbar .btn{min-height:44px}
  body{padding-bottom:76px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.legal .body{max-width:720px}
.legal .body::after{content:"";display:table;clear:both}
.legal .body h3{margin:1.2rem 0 .4rem;font-size:1.02rem}
.sub-h{font-size:1.15rem;margin:1.6rem 0 .6rem;scroll-margin-top:96px}
@media (min-width:1181px){.hero.fb:not(.home) h1{font-size:clamp(2rem,2.9vw,2.5rem)}.hero.fb.home h1{font-size:clamp(2.1rem,3.3vw,2.45rem)}}
@media (max-width:1180px){.hero{display:flex;flex-direction:column}.hero>img{order:2}.hero>.hero-text{order:1}}
.card>h2+p{margin-top:.6rem}
/* nav sits inside the hero card as an inset pill (not flush with the card edge) */
.navwrap>.wrap{padding-top:calc(var(--gut) + 12px);transition:padding .2s}.navwrap.float>.wrap{padding-top:10px}
.nav{max-width:calc(var(--max) - 28px);margin-top:0!important;background:rgba(244,248,251,.9);border-color:var(--line);padding-block:.45rem;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px)}
.navwrap.float .nav{max-width:var(--max);background:var(--panel)}
@media (max-width:1240px){.navwrap>.wrap .nav{margin-left:14px;margin-right:14px}}
@media (max-width:860px){.nav{padding-inline:.9rem;gap:.6rem}.burger{margin-left:auto}.hero-text{padding-top:calc(var(--pad) + 86px)}}
@media (max-width:420px){.logo span{font-size:.58rem;letter-spacing:.12em}.logo img{height:19px}}