/* amicuslendings.com — Design v2 (quiet editorial fintech). Tokens from seed: Figtree / Playfair Display, radius 14, card edge shadow, eyebrow rule */
@font-face{font-family:"Figtree";font-style:normal;font-weight:400;font-display:swap;src:url(fonts/figtree-400.woff2) format("woff2")}
@font-face{font-family:"Figtree";font-style:normal;font-weight:500;font-display:swap;src:url(fonts/figtree-500.woff2) format("woff2")}
@font-face{font-family:"Figtree";font-style:normal;font-weight:600;font-display:swap;src:url(fonts/figtree-600.woff2) format("woff2")}
@font-face{font-family:"Playfair Display";font-style:normal;font-weight:500;font-display:swap;src:url(fonts/playfair-500-sub.woff2) format("woff2")}
:root{--ink:#1C3A6E;--ink-2:#152C55;--accent:#D9631C;--accent-d:#F0904A;--bg:#EEF1F6;--panel:#F8FAFC;--card:#FFFFFF;--line:#DCE3EC;--text:#16233A;--muted:#4C5870;--soft:#E7ECF4;
--r:14px;--r-in:8px;--gut:22px;--maxw:1200px;--pad:clamp(1.4rem,4vw,2.9rem);--shadow:0 1px 2px rgba(22,35,58,.06),0 10px 28px -14px rgba(22,35,58,.22);
--sans:"Figtree",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;--serif:"Playfair Display",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(--text);font-family:var(--sans);font-size:16px;line-height:1.6;padding:0 16px 40px}
img{max-width:100%;display:block}
a{color:var(--ink);text-underline-offset:3px}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:6px}
h1,h2,h3{text-wrap:balance;color:var(--text);font-weight:500;margin:0}
h1{font-size:clamp(2.1rem,4.1vw,3.2rem);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:1.15rem;line-height:1.3;font-weight:600}
p{margin:0}
.skip{position:absolute;left:-999px;top:8px;background:var(--card);padding:10px 14px;border-radius:8px;z-index:2147483001}
.skip:focus{left:16px}
.eyebrow{display:inline-flex;align-items:center;gap:10px;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}
.lead-p,.answer{text-wrap:balance}
.wrap{max-width:var(--maxw);margin:0 auto}
.card{background:var(--panel);border-radius:var(--r);box-shadow:var(--shadow);padding:var(--pad)}
.stack{display:grid;grid-template-columns:minmax(0,1fr);gap:var(--gut);max-width:var(--maxw);margin:var(--gut) auto 0}
.muted{color:var(--muted)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;padding:0 20px;border-radius:10px;font:600 .95rem var(--sans);text-decoration:none;border:1px solid transparent;cursor:pointer}
.btn-pri{background:var(--ink);color:#fff}
.btn-pri:hover{background:var(--ink-2)}
.btn-sec{background:var(--card);color:var(--ink);border-color:var(--line)}
.btn-sec:hover{border-color:var(--ink)}
.txt-link{font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1.5px solid var(--accent);padding-bottom:1px}
.txt-link:hover{color:var(--accent)}

/* ---------- nav ---------- */
.nav-wrap{position:sticky;top:0;height:0;z-index:2147483000;isolation:isolate}
.nav{max-width:var(--maxw);margin:12px auto 0;display:flex;align-items:center;gap:6px;padding:10px 14px 10px 18px;border-radius:var(--r);border:1px solid transparent;transition:background .2s,box-shadow .2s,border-color .2s}
.nav.scrolled{background:var(--panel);border-color:var(--line);box-shadow:var(--shadow)}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--text);margin-right:14px;flex:0 0 auto}
.logo img{width:34px;height:34px}
.logo span{font-weight:600;letter-spacing:.14em;text-transform:uppercase;font-size:.82rem;white-space:nowrap}
.menu{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}
.menu>li{position:relative}
.menu a.top,.menu button.top{display:flex;align-items:center;gap:6px;min-height:44px;padding:0 12px;border:0;background:none;font:500 .93rem var(--sans);color:var(--text);text-decoration:none;cursor:pointer;border-radius:10px;white-space:nowrap}
.menu a.top:hover,.menu button.top:hover{background:rgba(28,58,110,.07)}
.menu button.top svg{width:12px;height:12px;transition:transform .2s}
.dd{position:absolute;top:100%;left:0;margin:0;list-style:none;padding:8px;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;z-index:5}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.dd a{display:block;padding:10px 14px;border-radius:8px;color:var(--text);text-decoration:none;font-size:.93rem;white-space:nowrap}
.dd a:hover{background:rgba(28,58,110,.07);color:var(--ink)}
.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.has-dd:hover>button svg,.has-dd.open>button svg{transform:rotate(180deg)}
.nav .spacer{flex:1 1 auto;min-width:24px}
.btn-apply{background:var(--ink);color:#fff;border-radius:999px;min-height:44px;padding:0 22px;display:inline-flex;align-items:center;font:600 .93rem var(--sans);text-decoration:none;white-space:nowrap}
.btn-apply:hover{background:var(--ink-2);color:#fff}
.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}
@media (max-width:1080px){.menu a.top,.menu button.top{padding:0 9px;font-size:.9rem}.logo{margin-right:6px}}
@media (max-width:980px){
 .nav{flex-wrap:wrap;background:var(--panel);border-color:var(--line);box-shadow:var(--shadow)}
 .burger{display:inline-flex}
 .nav .spacer{display:none}
 .nav .btn-apply{order:2;margin-left:8px;padding:0 16px}
 .burger{order:3;margin-left:8px}
 .logo{order:1;margin-right:auto}
 .menu{order:4;display:none;flex-direction:column;align-items:stretch;width:100%;padding:8px 0 4px}
 .nav.menu-open .menu{display:flex}
 .menu>li{border-top:1px solid var(--line)}
 .menu a.top,.menu button.top{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;background:transparent;width:auto;max-width:none;padding:0 0 8px 10px}
 .dd::before{display:none}
 .has-dd.open>.dd{display:block}
 .has-dd:hover>.dd{display:none}.has-dd.open:hover>.dd{display:block}
 .dd a{min-height:44px;display:flex;align-items:center}
}
@media (max-width:420px){.logo span{font-size:.72rem;letter-spacing:.1em}.nav .btn-apply{padding:0 12px}}

/* ---------- hero / header card (full-bleed 16:9) ---------- */
.hcard{position:relative;max-width:var(--maxw);margin:12px auto 0;border-radius:var(--r);overflow:hidden;background:var(--panel);box-shadow:var(--shadow);display:flex;flex-direction:column}
.hc-text{position:relative;z-index:2;padding:calc(var(--pad) + 74px) var(--pad) var(--pad);display:flex;flex-direction:column;gap:14px;max-width:560px}
.hc-text .lead-p{font-size:1.06rem;color:var(--text);max-width:480px}
.updated{font-size:.84rem;color:#33415C}
.crumbs{font-size:.84rem;color:#33415C}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0}
.crumbs li+li::before{content:"/";margin-right:6px;color:#6B7890}
.crumbs a{color:#1F2D47}
.hc-img{width:100%;height:auto;aspect-ratio:16/9;max-width:720px;margin:0 auto var(--pad);border-radius:var(--r-in);order:2;object-fit:cover}
.hc-cta{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.chips{display:flex;flex-wrap:nowrap;gap:8px;overflow-x:auto;padding:2px 2px 6px;scrollbar-width:thin;max-width:100%}
.chips a{flex:0 0 auto;font-size:.82rem;font-weight:500;color:var(--ink);background:rgba(255,255,255,.86);border:1px solid var(--line);padding:6px 12px;border-radius:999px;text-decoration:none;white-space:nowrap}
.chips a:hover{border-color:var(--ink)}
.chips-label{font-size:.7rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:#1F2D47}
.trust{display:flex;align-items:center;gap:14px;flex-wrap:wrap;font-size:.9rem;color:#1F2D47}
.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:16px;height:16px}
.byline{display:flex;align-items:center;gap:10px;font-size:.88rem;color:#1F2D47}
.initials{width:38px;height:38px;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:1141px){
 .hcard.fb{aspect-ratio:16/9;display:block}
 .hcard.fb>.hc-img{position:absolute;inset:0;width:100%;height:100%;max-width:none;margin:0;border-radius:0;object-fit:cover;z-index:0}
 .hcard.fb::after{content:"";position:absolute;inset:0;z-index:1;pointer-events:none;background:linear-gradient(90deg,rgba(248,250,252,.72) 0,rgba(248,250,252,.62) calc(var(--pad) + 300px),rgba(248,250,252,.55) calc(var(--pad) + 480px),rgba(248,250,252,0) max(56%,calc(var(--pad) + 560px)))}
 .hcard.fb .hc-text{max-width:calc(var(--pad) + 480px + var(--pad));padding-right:0}
 .hcard.fb .hc-text>*{max-width:480px}
 .hcard.fb .hc-text .chips{max-width:480px}
}

/* ---------- form card ---------- */
.formcard{position:relative;z-index:1;isolation:isolate;max-width:var(--maxw);margin:var(--gut) auto 0;background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:none;padding:var(--pad);overflow:hidden}
.formcard::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--accent)}
.formcard .fc-head{display:grid;gap:8px;text-align:center;justify-items:center;margin-bottom:18px}
.formcard .fc-head h2{font-size:clamp(1.5rem,2.4vw,1.9rem)}
.formcard .fc-trust{font-size:.92rem;color:var(--muted)}
.form-embed{position:relative;z-index:1;isolation:isolate;display:flex;justify-content:center}
.form-embed>div{width:100%}
@media (max-width:600px){.formcard{border-radius:12px;padding:1.2rem .9rem}}

/* ---------- section cards (inner pages) ---------- */
main{counter-reset:sec}
.sec{display:grid;grid-template-columns:minmax(0,240px) minmax(0,1fr);gap:20px 48px;align-items:start}
.sec>h2{position:sticky;top:96px;font-size:clamp(1.35rem,2.2vw,1.7rem)}
.sec>h2::before{counter-increment:sec;content:counter(sec,decimal-leading-zero);display:block;font:600 .8rem var(--sans);letter-spacing:.14em;color:var(--accent);margin-bottom:10px}
.sec-body{display:grid;gap:16px;max-width:680px;min-width:0;color:var(--muted)}
.sec-body p,.sec-body li{color:#3A4760}
.sec-body>p:first-child{color:var(--text);font-size:1.06rem}
.sec-body ul,.sec-body ol{margin:0;padding-left:1.2rem;display:grid;gap:8px}
.sec-body h3{margin-top:6px}
.sec.wide{grid-template-columns:1fr}
.sec.wide>h2{position:static}
.sec.wide .sec-body{max-width:none}
.sec.wide .sec-body>p,.sec.wide .sec-body>ul,.sec.wide .sec-body>ol{max-width:760px}
.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:.93rem;font-variant-numeric:tabular-nums}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--soft);color:var(--text);font-weight:600;font-size:.86rem}
tbody th{font-weight:600;color:var(--text)}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
.inline-img{width:100%;max-width:360px;height:auto;aspect-ratio:3/4;object-fit:cover;border-radius:var(--r-in);justify-self:start}
.figure-row{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:28px;align-items:start}
@media (max-width:1020px){.sec{grid-template-columns:1fr}.sec>h2{position:static}.figure-row{grid-template-columns:1fr}.inline-img{max-width:420px;justify-self:center}}
.steps{list-style:none;padding:0!important;display:grid;gap:12px!important}
.steps li{display:grid;grid-template-columns:40px 1fr;gap:14px;align-items:start;background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:14px}
.step-n{width:40px;height:40px;border-radius:50%;background:var(--ink);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:600}
.step-t{font-weight:600;color:var(--text)!important}
.terms{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:0}
.term{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:14px 16px;scroll-margin-top:100px}
.term dt{font-weight:600;color:var(--text);margin-bottom:4px}
.term dd{margin:0;color:#3A4760}
.term:target{border-color:var(--accent);box-shadow:0 0 0 3px rgba(217,99,28,.18)}
@media (max-width:700px){.terms{grid-template-columns:1fr}}
.faq-list{display:grid;gap:0;margin:0}
.faq-list>div{border-top:1px solid var(--line);padding:16px 0}
.faq-list>div:first-child{border-top:0;padding-top:0}
.faq-list dt{font-weight:600;color:var(--text);margin-bottom:6px;font-size:1.04rem}
.faq-list dd{margin:0;color:#3A4760}

/* tiers / term cards (M2 style) */
.tiers{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.tier{position:relative;background:var(--card);border-radius:var(--r-in);box-shadow:var(--shadow);padding:22px;display:flex;flex-direction:column;gap:10px;text-decoration:none;color:var(--text)}
.tier:hover{outline:1px solid var(--ink)}
.tier .badge{position:absolute;top:14px;right:14px;font-size:.7rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;background:rgba(217,99,28,.12);color:#9A3F0C;padding:4px 9px;border-radius:999px}
.tier .amt{font-size:1.5rem;font-weight:600;color:var(--ink);font-variant-numeric:tabular-nums}
.tier .term-l{font-size:.9rem;color:var(--muted)}
.bar{height:6px;background:var(--soft);border-radius:6px;overflow:hidden}
.bar i{display:block;height:100%;background:var(--accent);border-radius:6px}
.tier .note{font-size:.86rem;color:#3A4760}
@media (max-width:820px){.tiers{grid-template-columns:1fr}}

/* related / explore / author */
.related-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.post-card{display:flex;flex-direction:column;background:var(--card);border-radius:var(--r-in);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-b{padding:16px 18px;display:grid;gap:6px}
.post-card .pc-cat{font-size:.72rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:#A9490C}
.post-card h3{font-size:1.05rem}
.post-card p{font-size:.9rem;color:var(--muted)}
.post-card:hover h3{color:var(--ink);text-decoration:underline}
.blog-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
@media (max-width:900px){.blog-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.blog-grid,.related-grid{grid-template-columns:1fr}}
.linklist{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 28px;list-style:none;margin:0;padding:0}
.linklist a{display:block;padding:10px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:500}
.linklist a:hover{color:var(--accent)}
@media (max-width:620px){.linklist{grid-template-columns:1fr}}
.chip-group{display:grid;gap:10px}
.chip-group .lbl{font-size:.74rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.chiprow{display:flex;flex-wrap:wrap;gap:8px}
.chiprow a{font-size:.9rem;padding:8px 14px;border-radius:999px;background:var(--card);border:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:500}
.chiprow a:hover{border-color:var(--ink)}
.author{display:grid;grid-template-columns:56px 1fr;gap:16px;align-items:start}
.author .initials{width:56px;height:56px;font-size:1.05rem}
.share{display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.share a{font-size:.84rem;padding:7px 12px;border:1px solid var(--line);border-radius:999px;background:rgba(255,255,255,.86);text-decoration:none;color:var(--ink)}
.card-head{display:grid;gap:10px;margin-bottom:22px;max-width:760px}
.card-head p{color:#3A4760}

/* CTA band */
.cta-band{background:var(--ink);color:#fff;border-radius:var(--r);padding:var(--pad);display:grid;grid-template-columns:minmax(0,1fr) auto;gap:24px;align-items:center}
.cta-band h2{color:#fff}
.cta-band .eyebrow{color:#C9D6EE}
.cta-band p{color:#D7E0F0;margin-top:8px}
.btn-white{background:#fff;color:var(--ink)}
.btn-white:hover{background:#EEF2F9}
@media (max-width:760px){.cta-band{grid-template-columns:1fr}}

/* footer */
.footer{max-width:var(--maxw);margin:var(--gut) auto 0;background:var(--panel);border-radius:var(--r);box-shadow:var(--shadow);padding:var(--pad)}
.f-top{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(3,minmax(0,1fr));gap:28px}
.f-top .colhead{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--text);margin-bottom:10px}
.f-top ul{list-style:none;margin:0;padding:0;display:grid;gap:2px}
.f-top ul a{display:inline-flex;min-height:36px;align-items:center;color:#33415C;text-decoration:none;font-size:.93rem}
.f-top ul a:hover{color:var(--ink);text-decoration:underline}
.f-brand p{color:#3A4760;font-size:.93rem;margin-top:12px}
.nap{font-style:normal;color:#33415C;font-size:.92rem;margin-top:12px;display:grid;gap:4px}
.nap a{color:var(--ink)}
.f-legal{border-top:1px solid var(--line);margin-top:26px;padding-top:20px;display:grid;gap:10px;font-size:.82rem;color:var(--muted)}
@media (max-width:900px){.f-top{grid-template-columns:repeat(2,minmax(0,1fr))}.f-brand{grid-column:1/-1}}
@media (max-width:480px){.f-top{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(1.4rem + 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;opacity:0;transform:translateY(12px) scale(.9);pointer-events:none;transition:opacity .25s,transform .25s,box-shadow .2s;z-index:50;padding:0}
.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(217,99,28,.12)}
.totop svg.ring{position:absolute;inset:0;width:56px;height:56px;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 .arr{position:absolute;left:50%;top:50%;width:18px;height:18px;transform:translate(-50%,-50%);color:var(--ink)}
.totop .pct{position:absolute;bottom:-1.4rem;left:50%;transform:translateX(-50%);font-size:.62rem;font-weight:600;letter-spacing:.08em;color:var(--muted)}
.mbar{display:none}
@media (max-width:600px){
 .totop{display:none}
 .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;align-items:center;justify-content:space-between;gap:12px;padding:10px max(16px,env(safe-area-inset-right,0px)) calc(10px + 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 -6px 18px -12px rgba(0,0,0,.3);transform:translateY(110%);transition:transform .25s}
 .mbar.show{transform:none}
 .mbar span{font-size:.86rem;font-weight:600;color:var(--text)}
 .mbar .btn-apply{min-height:44px}
 body{padding-bottom:84px}
}

/* ---------- homepage ---------- */
.intro3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:36px}
.intro3>div{display:flex;flex-direction:column;gap:12px}
.intro3 h2{font-size:clamp(1.35rem,2vw,1.6rem)}
.intro3 p{color:#3A4760}
.intro3 .txt-link{margin-top:auto;align-self:flex-start}
.feat-rows{display:grid;gap:14px;list-style:none;margin:0;padding:0}
.feat-rows li{display:grid;grid-template-columns:40px 1fr;gap:12px;align-items:start}
.ico{width:40px;height:40px;border-radius:10px;background:var(--soft);color:var(--ink);display:flex;align-items:center;justify-content:center;flex:0 0 auto}
.ico svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.feat-rows b{display:block;color:var(--text);font-weight:600}
.feat-rows span{color:#3A4760;font-size:.93rem}
@media (max-width:900px){.intro3{grid-template-columns:minmax(0,1fr)}}
.band{position:relative;overflow:hidden;background:#0E1B33;color:#fff;border-radius:var(--r);min-height:460px;padding:var(--pad);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,#0E1B33 0,#0E1B33 40%,rgba(14,27,51,.55) 52%,rgba(14,27,51,0) 64%)}
.band>:not(img){position:relative;z-index:1}
.band-in{max-width:520px;display:grid;gap:18px}
.band h2{font-family:var(--serif);font-weight:500;color:#fff;font-size:clamp(1.9rem,3.4vw,2.7rem);line-height:1.12;letter-spacing:-.01em}
.band p{color:#D2DBEA}
.band .eyebrow{color:#C9D6EE}
.values{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;list-style:none;margin:0;padding:0}
.values li{display:grid;gap:8px;font-size:.9rem;color:#D2DBEA}
.values .ico{background:rgba(255,255,255,.1);color:#fff}
.wordmark{font-size:clamp(2rem,4.6vw,3.4rem);font-weight:600;letter-spacing:-.03em;line-height:1;color:#fff}
.wordmark-sub{color:var(--accent-d);font-weight:500;margin-top:-8px}
@media (max-width:1020px){.band{display:block;padding:0;min-height:0}.band>img{position:static;width:100%;height:auto;aspect-ratio:2/1}.band::after{display:none}.band-in{padding:var(--pad);max-width:none}}
@media (max-width:560px){.values{grid-template-columns:1fr}}
.feat-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.feat{background:var(--card);border-radius:var(--r-in);box-shadow:var(--shadow);padding:22px;display:grid;gap:10px;align-content:start}
.feat h3{font-size:1.08rem}
.feat p{color:#3A4760;font-size:.94rem}
.feat.dark{background:var(--ink);color:#fff}
.feat.dark h3{color:#fff}.feat.dark p{color:#D7E0F0}.feat.dark .ico{background:rgba(255,255,255,.12);color:#fff}
@media (max-width:900px){.feat-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:580px){.feat-grid{grid-template-columns:1fr}}
.steps-wrap{display:grid;grid-template-columns:260px minmax(0,1fr);gap:40px;align-items:center}
.clock{position:relative;width:240px;height:240px;margin:0 auto}
.clock svg{width:240px;height:240px;transform:rotate(-90deg)}
.clock .c-trk{fill:none;stroke:var(--soft);stroke-width:14}
.clock .c-seg{fill:none;stroke-width:14}
.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;color:var(--ink);font-weight:600}
.clock .c-mid span{font-size:.82rem;color:var(--muted);max-width:140px}
.steplist{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.steplist li{display:grid;grid-template-columns:44px 1fr auto;gap:14px;align-items:center;background:var(--card);border-radius:var(--r-in);box-shadow:var(--shadow);padding:14px 16px}
.steplist .n{width:44px;height:44px;border-radius:50%;background:var(--soft);color:var(--ink);font-weight:600;display:flex;align-items:center;justify-content:center}
.steplist b{display:block}
.steplist span{font-size:.9rem;color:#3A4760}
.steplist .time{font-size:.78rem;font-weight:600;color:#9A3F0C;background:rgba(217,99,28,.1);padding:4px 10px;border-radius:999px;white-space:nowrap}
@media (max-width:820px){.steps-wrap{grid-template-columns:1fr}.steplist li{grid-template-columns:44px 1fr}.steplist .time{grid-column:2;justify-self:start}}
.amt-wrap{display:grid;grid-template-columns:minmax(0,340px) minmax(0,1fr);gap:20px;align-items:stretch}
.amt-tabs{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
.amt-tabs li{flex:1 1 0;display:flex}
.amt-tabs a{flex:1;display:flex;flex-direction:column;justify-content:center;gap:2px;padding:12px 16px;border-radius:var(--r-in);background:var(--card);border:1px solid var(--line);text-decoration:none;color:var(--text)}
.amt-tabs a b,.amt-tabs a span{white-space:nowrap}
.amt-tabs a b{font-weight:600}
.amt-tabs a span{font-size:.84rem;color:var(--muted);font-variant-numeric:tabular-nums}
.amt-tabs a[aria-selected="true"]{border-color:var(--ink);box-shadow:inset 4px 0 0 var(--accent)}
.amt-panels{display:flex;flex-direction:column}
.amt-panel{flex:1;background:var(--card);border-radius:var(--r-in);box-shadow:var(--shadow);padding:26px;display:flex;flex-direction:column;gap:16px}
.amt-panel[hidden]{display:none}
.amt-panel .big{font-size:clamp(2.2rem,4vw,3rem);font-weight:600;color:var(--ink);line-height:1;font-variant-numeric:tabular-nums}
.kv{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.kv div{background:var(--panel);border:1px solid var(--line);border-radius:var(--r-in);padding:12px}
.kv dt{font-size:.74rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;font-weight:600}
.kv dd{margin:4px 0 0;font-weight:600;color:var(--text);font-variant-numeric:tabular-nums}
.amt-panel p{color:#3A4760}
.amt-panel .hc-cta{margin-top:auto}
@media (max-width:900px){.amt-wrap{grid-template-columns:1fr}.kv{grid-template-columns:repeat(2,minmax(0,1fr))}}
.cat-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.cat-card{background:var(--card);border-radius:var(--r-in);box-shadow:var(--shadow);padding:22px;display:grid;gap:10px;text-decoration:none;color:var(--text);align-content:start}
.cat-card h3{font-size:1.15rem}
.cat-card p{color:#3A4760;font-size:.94rem}
.cat-card .tag{font-size:.72rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:#1F5133;background:#E3F1E8;padding:4px 9px;border-radius:999px;justify-self:start}
.cat-card:hover h3{color:var(--ink);text-decoration:underline}
@media (max-width:700px){.cat-grid{grid-template-columns:1fr}}
.imgcard{position:relative;overflow:hidden;min-height:440px;display:flex;flex-direction:column}
.imgcard>img{position:absolute;right:0;top:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}
.imgcard::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 570px),rgba(248,250,252,.35) calc(var(--pad) + 720px),rgba(248,250,252,.2) 100%)}
.imgcard>:not(img){position:relative;z-index:1}
.elig-in{max-width:560px;display:flex;flex-direction:column;gap:14px;flex:1}
.checks{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.checks label{display:flex;gap:10px;align-items:center;min-height:44px;padding:8px 12px;background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);cursor:pointer;white-space:nowrap;font-size:.92rem}
.checks input{width:18px;height:18px;accent-color:var(--ink);flex:0 0 auto}
.meter{display:flex;align-items:center;gap:12px;font-size:.88rem;color:var(--muted)}
.meter .bar{flex:1;max-width:260px}
.elig-in .txt-link{margin-top:auto;align-self:flex-start}
.est{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:28px;align-items:stretch}
.est-l{max-width:460px;display:flex;flex-direction:column;gap:14px}
.facts{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.facts li{display:grid;grid-template-columns:40px 1fr;gap:12px;align-items:center;font-size:.94rem;color:#3A4760}
.facts b{color:var(--text)}
.est-l .txt-link{margin-top:auto;align-self:flex-start}
.calcbox{background:var(--card);border-radius:var(--r-in);box-shadow:var(--shadow);padding:22px;display:grid;gap:14px;align-content:start}
.calcbox label{font-size:.84rem;font-weight:600;color:var(--text);display:flex;justify-content:space-between;gap:10px}
.calcbox output{font-variant-numeric:tabular-nums;color:var(--ink)}
.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:8px;padding:0 10px;font:500 .95rem var(--sans);background:var(--card);color:var(--text)}
.calc-res{background:var(--soft);border-radius:var(--r-in);padding:16px;display:grid;gap:4px}
.calc-res .pay{font-size:2rem;font-weight:600;color:var(--ink);font-variant-numeric:tabular-nums;line-height:1.1}
.calc-res small{color:var(--muted)}
@media (max-width:1020px){
 .imgcard{min-height:0}
 .imgcard::after{display:none}
 .imgcard.elig>img{position:static;order:2;width:100%;height:auto;aspect-ratio:16/9;border-radius:var(--r-in);margin-top:20px}
 .imgcard.estim>img,.imgcard.about>img{display:none}
 .est{grid-template-columns:1fr}
 .elig-in,.est-l{max-width:none}
}
@media (max-width:700px){.checks{grid-template-columns:1fr}}
.rev-sum{display:flex;flex-wrap:wrap;align-items:center;gap:16px 22px;margin-bottom:20px}
.rev-sum .score{font-size:2.6rem;font-weight:600;color:var(--ink);line-height:1}
.rev-sum .stars svg{width:22px;height:22px}
.rev-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.rev{background:var(--card);border-radius:var(--r-in);box-shadow:var(--shadow);padding:20px;display:flex;flex-direction:column;gap:10px}
.rev-top{display:flex;gap:12px;align-items:center}
.rev-top b{display:block;font-size:.95rem}
.rev-top span{font-size:.82rem;color:var(--muted)}
.rev h3{font-size:1rem}
.rev p{font-size:.93rem;color:#3A4760}
.rev .tagline{margin-top:auto;font-size:.8rem;color:var(--muted);border-top:1px solid var(--line);padding-top:10px}
@media (max-width:900px){.rev-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.rev-grid{grid-template-columns:1fr}}
.dots{letter-spacing:2px;color:var(--accent);white-space:nowrap}
.dots i{font-style:normal;color:#7F8BA0}
.ratesgrid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,380px);gap:20px;align-items:stretch}
.rg-l{display:flex;flex-direction:column;gap:16px}
.factors{flex:1;background:var(--card);border-radius:var(--r-in);border:1px solid var(--line);padding:18px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;align-content:start}
.factors h3{grid-column:1/-1;font-size:1rem}
.factors div b{display:block;font-size:.92rem}
.factors div span{font-size:.88rem;color:#3A4760}
.repcard{background:var(--ink);color:#fff;border-radius:var(--r-in);padding:24px;display:flex;flex-direction:column;gap:12px}
.repcard h3{color:#fff}
.repcard dl{display:grid;grid-template-columns:1fr auto;gap:8px 16px;margin:0;font-variant-numeric:tabular-nums}
.repcard dt{color:#C9D6EE}.repcard dd{margin:0;font-weight:600;text-align:right}
.repcard p{color:#D7E0F0;font-size:.88rem}
.repcard a{color:#fff;margin-top:auto;border-bottom-color:var(--accent-d)}
@media (max-width:900px){.ratesgrid{grid-template-columns:1fr}.factors{grid-template-columns:1fr}}
.why-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.why{display:grid;grid-template-columns:40px 1fr;gap:12px;align-items:start;background:var(--card);border-radius:var(--r-in);box-shadow:var(--shadow);padding:18px}
.why b{display:block}.why span{font-size:.92rem;color:#3A4760}
@media (max-width:900px){.why-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:580px){.why-grid{grid-template-columns:1fr}}
.cols3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}
.cols3 h3{margin-bottom:8px}.cols3 p{color:#3A4760;font-size:.95rem}
.cols2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}
.cols2 ul{margin:0;padding-left:1.1rem;display:grid;gap:8px;color:#3A4760}
@media (max-width:860px){.cols3,.cols2{grid-template-columns:1fr}}
.imgcard.about .who{max-width:520px;display:flex;flex-direction:column;gap:14px}
.about-grid{display:grid;grid-template-columns:minmax(0,520px) minmax(0,1fr);gap:28px;align-items:center}
.napcard{justify-self:end;width:min(100%,380px);background:var(--ink);color:#fff;border-radius:var(--r-in);padding:24px;display:grid;gap:10px}
.napcard b{font-size:1.1rem}
.napcard address{font-style:normal;color:#D7E0F0;display:grid;gap:4px}
.napcard a{color:#fff}
.napcard .nl{font-size:.86rem;color:#F7C9A8}
.reviewed{font-size:.86rem;color:#33415C;background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:10px 14px;align-self:flex-start}
@media (max-width:1020px){.about-grid{grid-template-columns:1fr}.napcard{justify-self:start}}
.faqwrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,44%);gap:28px;align-items:stretch}
.faq-l{display:flex;flex-direction:column;gap:14px}
.acc details{border-top:1px solid var(--line);padding:4px 0}
.acc details:last-child{border-bottom:1px solid var(--line)}
.acc summary{list-style:none;cursor:pointer;min-height:52px;display:flex;align-items:center;justify-content:space-between;gap:12px;font-weight:600;color:var(--text)}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"+";font-size:1.4rem;color:var(--accent);line-height:1}
.acc details[open] summary::after{content:"–"}
.acc details p{padding:0 0 14px;color:#3A4760}
.faq-l .txt-link{margin-top:auto;align-self:flex-start}
.faq-img{position:relative;min-height:100%}
.faq-img img{position:sticky;top:96px;width:100%;object-fit:cover;border-radius:var(--r-in)}
@media (max-width:1020px){.faqwrap{grid-template-columns:1fr}.faq-img img{position:static;max-width:420px;margin:0 auto;aspect-ratio:3/5;height:auto!important}}
.sitemap-cols{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}
.sitemap-cols h3{margin-bottom:8px}
.sitemap-cols ul{margin:0;padding-left:1.1rem;display:grid;gap:6px}
@media (max-width:860px){.sitemap-cols{grid-template-columns:1fr}}
.lender-tbl td:nth-child(n+2),.lender-tbl th:nth-child(n+2){white-space:nowrap}
.tool{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:24px;align-items:stretch}
@media (max-width:860px){.tool{grid-template-columns:minmax(0,1fr)}}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
@media (max-width:600px){.mbar.hide-form{transform:translateY(110%)}}
.use-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.use-list li{display:flex;gap:10px;align-items:center;font-size:.9rem;color:var(--text);background:var(--panel);border:1px solid var(--line);border-radius:var(--r-in);padding:10px}
.use-list .ico{width:30px;height:30px;border-radius:8px}
.use-list .ico svg{width:16px;height:16px}
@media (max-width:700px){.use-list{grid-template-columns:1fr}}

/* ---------- header fallback panel (used only when a header photo is not supplied) */
.hc-fallback{display:grid;place-items:center;background:radial-gradient(120% 90% at 85% 20%,#FFFFFF 0,#E7ECF4 55%,#DCE3EC 100%)}
.rate-snap{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);box-shadow:var(--shadow);padding:22px 24px;width:min(440px,88%);display:grid;gap:14px}
.rate-snap .rs-t{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink)}
.rate-snap ul{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.rate-snap li{display:grid;grid-template-columns:120px minmax(0,1fr);gap:12px;align-items:center;font-size:.86rem;color:var(--text)}
.rate-snap li b{font-weight:600}
.rate-snap li small{display:block;color:var(--muted);font-size:.78rem}
.rs-track{position:relative;height:12px;border-radius:999px;background:var(--soft)}
.rs-track i{position:absolute;top:0;bottom:0;border-radius:999px;background:linear-gradient(90deg,var(--ink),var(--accent))}
.rs-axis{display:flex;justify-content:space-between;margin-left:132px;font-size:.74rem;color:var(--muted);font-variant-numeric:tabular-nums}
.rate-snap .rs-note{font-size:.78rem;color:var(--muted);border-top:1px solid var(--line);padding-top:10px}
@media (min-width:1141px){
 .hcard.fb>.hc-fallback{position:absolute;inset:0;z-index:0;justify-items:end;padding-right:calc(var(--pad) + 40px)}
}
@media (max-width:1140px){.hc-fallback{aspect-ratio:auto;width:auto;max-width:none;padding:24px 0;margin:0 var(--pad) var(--pad);border-radius:var(--r-in);order:2}}
@media (max-width:420px){.rate-snap li{grid-template-columns:96px minmax(0,1fr)}.rs-axis{margin-left:108px}}
.tool-side{display:flex;flex-direction:column;min-width:0}
@media (min-width:861px){.tool-side>.tbl{flex:1 1 auto;display:flex;flex-direction:column}.tool-side>.tbl>table{flex:1 1 auto;height:100%}}
.tool-side th[scope=row] a{white-space:nowrap}
/* split header: photo framed on the right, used when the subject sits where the text panel goes */
@media (min-width:1141px){
 .hcard.fb.hsplit::after{display:none}
 .hcard.fb.hsplit>.hc-img{left:auto;right:var(--pad);top:auto;bottom:var(--pad);width:calc(100% - var(--pad)*2 - 520px);height:auto;aspect-ratio:13/10;max-height:calc(100% - 84px - var(--pad));border-radius:var(--r-in);object-position:47% 50%}
}
/* home hero: subject shifted right, left edge feathered into the panel */
@media (min-width:1141px){
 .hcard.fb.home>.hc-img{left:7%;-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 14%);mask-image:linear-gradient(90deg,transparent 0,#000 14%)}
}