/* ============================================================
   NODOCNATION — DESIGN SYSTEM v6
   Navy + blue on white. Change the colors here and every page
   follows.
   ============================================================ */
:root{
  /* brand */
  --navy:#0A2540;        /* dark sections, footer, headings on light */
  --navy-2:#0F2F52;      /* raised surface on navy */
  --navy-3:#163A63;
  --blue:#1F5CFF;        /* primary action */
  --blue-2:#1747D1;      /* hover */
  --blue-ink:#1A4FD6;    /* links on white (AA contrast) */
  --sky:#EEF3FF;         /* tint behind icons, highlights */
  --sky-2:#DCE6FF;
  --gold:#C9A45C;        /* small premium accent, used sparingly */
  /* neutrals */
  --white:#FFFFFF;
  --soft:#F6F8FB;        /* alternate section background */
  --soft-2:#EEF2F7;
  --ink:#0B1220;
  --text:#334155;
  --muted:#64748B;
  --muted-d:#A9B8CC;     /* muted text on navy */
  --line:#E3E8EF;
  --line-d:#1F4170;      /* borders on navy */
  /* status */
  --good:#0E9F6E;
  --good-bg:#E3F6EE;
  --warn:#B45309;
  --warn-bg:#FEF3E2;
  --bad:#C81E1E;
  --bad-bg:#FDE8E8;
  /* type */
  --display:'Inter Tight','Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
  --sans:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
  /* shape */
  --r:12px;
  --r-lg:18px;
  --shadow-sm:0 1px 2px rgba(10,37,64,.06);
  --shadow:0 4px 14px rgba(10,37,64,.07),0 1px 3px rgba(10,37,64,.05);
  --shadow-lg:0 24px 48px -12px rgba(10,37,64,.18),0 4px 12px rgba(10,37,64,.05);
  --wrap:1200px;
  color-scheme:light;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--sans);background:var(--white);color:var(--text);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased;font-feature-settings:'cv11','ss01';overflow-x:clip}
h1,h2,h3,h4,h5{font-family:var(--display);color:var(--ink);line-height:1.15;letter-spacing:-.022em;font-weight:600}
a{color:inherit;text-decoration:none}
img{max-width:100%;height:auto;display:block}
button,input,select,textarea{font:inherit;color:inherit}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:6px}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px;z-index:2000}
.skip:focus{left:8px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
svg.i{width:20px;height:20px;flex-shrink:0}

/* ---------- top bar ---------- */
.topbar{background:var(--navy);color:var(--muted-d);font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;height:38px}
.topbar a{color:#fff;font-weight:500}
.topbar a:hover{text-decoration:underline}
.topbar .tb-right{display:flex;gap:20px}

/* ---------- nav ---------- */
.site-nav{position:sticky;top:0;z-index:900;background:rgba(255,255,255,.97);backdrop-filter:saturate(1.6) blur(12px);border-bottom:1px solid var(--line)}
.nav-wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px;height:72px;display:flex;align-items:center;gap:8px}
.site-logo{display:flex;align-items:center;gap:10px;font-family:var(--display);font-weight:700;font-size:20px;letter-spacing:-.03em;color:var(--navy);margin-right:20px;flex-shrink:0}
.logo-mark{width:34px;height:34px;border-radius:9px;background:var(--navy);display:grid;place-items:center}
.logo-mark svg{width:20px;height:20px}
.nav-links{display:flex;gap:2px;list-style:none;align-items:center;flex:1}
.nav-item{position:relative}
.nav-item>a,.nav-item>button{font-size:15px;font-weight:500;color:var(--ink);padding:9px 13px;border-radius:9px;display:flex;align-items:center;gap:6px;background:none;border:0;cursor:pointer;white-space:nowrap}
.nav-item>a:hover,.nav-item>button:hover,.nav-item.open>button,.nav-item>a[aria-current]{background:var(--soft)}
.nav-chevron{width:14px;height:14px;transition:transform .2s;color:var(--muted)}
.nav-item.open .nav-chevron{transform:rotate(180deg)}
.mega{display:none;position:absolute;top:calc(100% + 12px);left:-16px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);padding:24px;z-index:1000}
.nav-item.open .mega{display:block}
.mega-loans{width:860px;display:none;grid-template-columns:repeat(3,1fr);gap:8px 28px}
.nav-item.open .mega-loans{display:grid}
.mega h6{font-family:var(--sans);font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 8px 10px}
.mega a{display:block;padding:9px 10px;border-radius:9px}
.mega a:hover{background:var(--soft)}
.mega a b{display:block;font-size:14.5px;font-weight:600;color:var(--ink)}
.mega a span{display:block;font-size:13px;color:var(--muted);line-height:1.4;margin-top:1px}
.mega-foot{grid-column:1/-1;margin-top:10px;padding:14px 16px;border-radius:var(--r);background:var(--soft);display:flex;justify-content:space-between;align-items:center;gap:12px;font-size:14px;color:var(--text)}
.mega-foot a{display:inline;padding:0;font-weight:600;color:var(--blue-ink)}
.mega-foot a:hover{background:none;text-decoration:underline}
.mega-small{width:320px}
.nav-right{display:flex;align-items:center;gap:10px;margin-left:auto;flex-shrink:0}
.nav-phone{display:flex;align-items:center;gap:8px;font-size:15px;font-weight:600;color:var(--navy);padding:9px 12px;white-space:nowrap}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:10px;margin-right:-10px}
.hamburger span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px;transition:transform .2s,opacity .2s}
.hamburger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger[aria-expanded="true"] span:nth-child(2){opacity:0}
.hamburger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mobile-drawer{display:none;position:fixed;top:72px;left:0;right:0;bottom:0;background:#fff;z-index:850;overflow-y:auto;padding:8px 20px 120px}
.mobile-drawer.open{display:block}
.mobile-drawer details{border-bottom:1px solid var(--line)}
.mobile-drawer summary{list-style:none;cursor:pointer;padding:16px 0;font-size:17px;font-weight:600;color:var(--ink);display:flex;justify-content:space-between}
.mobile-drawer summary::-webkit-details-marker{display:none}
.mobile-drawer summary::after{content:'+';color:var(--muted);font-weight:400}
.mobile-drawer details[open] summary::after{content:'−'}
.m-group{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);padding:10px 0 4px}
.mobile-drawer details a{display:block;padding:9px 0;font-size:15.5px;color:var(--text)}
.m-link{display:block;padding:16px 0;border-bottom:1px solid var(--line);font-size:17px;font-weight:600;color:var(--ink)}
.m-ctas{display:grid;gap:10px;margin-top:24px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:11px 20px;border-radius:10px;font-weight:600;font-size:15px;cursor:pointer;border:1px solid transparent;transition:background .15s,border-color .15s,box-shadow .15s,color .15s;white-space:nowrap;line-height:1.2}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 1px 2px rgba(31,92,255,.3),inset 0 1px 0 rgba(255,255,255,.12)}
.btn-primary:hover{background:var(--blue-2)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-3)}
.btn-ghost{background:#fff;color:var(--ink);border-color:var(--line);box-shadow:var(--shadow-sm)}
.btn-ghost:hover{border-color:#C5CED9;background:var(--soft)}
.btn-ghost-d{background:transparent;color:#fff;border-color:rgba(255,255,255,.28)}
.btn-ghost-d:hover{background:rgba(255,255,255,.08)}
.btn-white{background:#fff;color:var(--navy)}
.btn-white:hover{background:var(--sky)}
.btn-lg{padding:15px 26px;font-size:16px;border-radius:12px}
.btn-block{width:100%}
.link{color:var(--blue-ink);font-weight:600}
.link:hover{text-decoration:underline}

/* ---------- section scaffolding ---------- */
.section{padding:104px 0}
.section.tight{padding:72px 0}
.bg-soft,.bg-cream{background:var(--soft)}
.bg-deep{background:var(--navy);color:var(--muted-d)}
.bg-deep h2,.bg-deep h3{color:#fff}
.bg-deep .form-card h3{color:var(--ink)}
.bg-deep .form-card{color:var(--text)}
.eyebrow{display:inline-block;font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.1em;color:var(--blue-ink);margin-bottom:14px}
.bg-deep .eyebrow{color:#8FB0FF}
.h2{font-size:clamp(30px,3.4vw,44px);margin-bottom:16px}
.sub{font-size:18px;color:var(--muted);max-width:640px;line-height:1.7}
.bg-deep .sub{color:var(--muted-d)}
.center{text-align:center}.center .sub{margin-left:auto;margin-right:auto}
.head-row{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;margin-bottom:48px}

/* ---------- home hero ---------- */
.hero{position:relative;overflow:hidden;padding:88px 0 96px;background:linear-gradient(180deg,#F4F7FD 0%,#fff 100%)}
.hero::before{content:'';position:absolute;width:900px;height:900px;right:-260px;top:-380px;border-radius:50%;background:radial-gradient(circle,rgba(31,92,255,.13),transparent 60%);pointer-events:none}
.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:64px;align-items:center}
.hero-kicker{display:inline-flex;align-items:center;gap:10px;font-size:14px;font-weight:500;color:var(--text);background:#fff;border:1px solid var(--line);border-radius:99px;padding:6px 14px 6px 6px;margin-bottom:26px;box-shadow:var(--shadow-sm)}
.hero-kicker{transition:border-color .15s,box-shadow .15s}
.hero-kicker:hover{border-color:#C5CED9;box-shadow:var(--shadow)}
.kick-arrow{color:var(--blue-ink);font-weight:600;transition:transform .15s}
.hero-kicker:hover .kick-arrow{transform:translateX(3px)}
.kick-short{display:none}
@media (max-width:480px){.hero-kicker{font-size:13px;gap:8px;white-space:nowrap}.kick-full{display:none}.kick-short{display:inline}}
.hero-kicker b{background:var(--sky);color:var(--blue-ink);font-weight:600;font-size:12px;padding:3px 10px;border-radius:99px;white-space:nowrap}
.hero h1{font-size:clamp(42px,5.4vw,68px);letter-spacing:-.035em;line-height:1.04;margin-bottom:22px;color:var(--navy)}
.hero h1 span{color:var(--blue)}
.hero .lede{font-size:19px;color:var(--text);max-width:540px;margin-bottom:34px;line-height:1.65}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap}
.trust{display:flex;flex-wrap:wrap;gap:10px 26px;margin-top:38px;list-style:none;font-size:14px;color:var(--muted)}
.trust li{display:flex;align-items:center;gap:8px}
.trust svg{width:18px;height:18px;color:var(--good)}

/* loan finder card */
.finder{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow-lg);padding:28px}
.finder h2{font-size:22px;margin-bottom:4px}
.finder>p{color:var(--muted);font-size:15px;margin-bottom:20px}
.finder-opts{display:grid;gap:10px}
.finder-opts a{display:flex;align-items:center;gap:14px;padding:16px;border:1px solid var(--line);border-radius:14px;transition:border-color .15s,box-shadow .15s,transform .15s}
.finder-opts a:hover{border-color:var(--blue);box-shadow:0 0 0 4px var(--sky)}
.finder-opts .ic{width:44px;height:44px;border-radius:12px;background:var(--sky);color:var(--blue-ink);display:grid;place-items:center;flex-shrink:0}
.finder-opts .ic svg{width:22px;height:22px}
.finder-opts b{display:block;font-size:16px;font-weight:600;color:var(--ink)}
.finder-opts span{font-size:13.5px;color:var(--muted)}
.finder-opts .go{margin-left:auto;color:var(--muted);transition:transform .15s}
.finder-opts a:hover .go{transform:translateX(3px);color:var(--blue)}
.finder-foot{margin-top:16px;padding-top:16px;border-top:1px solid var(--line);font-size:14px;color:var(--muted);display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap}

/* ---------- logos/credential strip ---------- */
.cred-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.cred-strip .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.cred-strip div{padding:26px 20px;border-right:1px solid var(--line)}
.cred-strip div:last-child{border-right:0}
.cred-strip b{display:block;font-family:var(--display);font-size:26px;font-weight:600;color:var(--navy);letter-spacing:-.02em}
.cred-strip span{font-size:14px;color:var(--muted)}

/* ---------- cards ---------- */
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;transition:box-shadow .2s,border-color .2s,transform .2s;display:flex;flex-direction:column}
a.card:hover{box-shadow:var(--shadow-lg);border-color:#C8D3E3;transform:translateY(-2px)}
.card .icon{width:46px;height:46px;border-radius:12px;background:var(--sky);color:var(--blue-ink);display:grid;place-items:center;margin-bottom:20px}
.card .icon svg{width:23px;height:23px}
.card .tag{font-size:12.5px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--blue-ink);margin-bottom:8px}
.card h3{font-size:20px;margin-bottom:8px}
.card p{font-size:15px;color:var(--muted);line-height:1.65;flex:1;margin-bottom:18px}
.more{font-size:15px;font-weight:600;color:var(--blue-ink);margin-top:auto;display:inline-flex;align-items:center;gap:6px}
a.card:hover .more{gap:9px}

/* loan category columns */
.cats{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.cat{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;display:flex;flex-direction:column}
.cat .icon{width:50px;height:50px;border-radius:14px;background:var(--navy);color:#fff;display:grid;place-items:center;margin-bottom:20px}
.cat .icon svg{width:24px;height:24px}
.cat h3{font-size:22px;margin-bottom:6px}
.cat>p{color:var(--muted);font-size:15px;margin-bottom:18px}
.cat ul{list-style:none;border-top:1px solid var(--line);margin-bottom:22px}
.cat li a{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-bottom:1px solid var(--line);font-size:15.5px;font-weight:500;color:var(--ink)}
.cat li a:hover{color:var(--blue-ink)}
.cat li a::after{content:'→';color:var(--muted);transition:transform .15s}
.cat li a:hover::after{transform:translateX(3px);color:var(--blue)}
.cat .btn{margin-top:auto}

/* steps */
.steps{list-style:none;counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:52px}
.steps li{counter-increment:s;padding:28px;border-radius:var(--r-lg);background:#fff;border:1px solid var(--line)}
.steps li::before{content:'0' counter(s);display:block;font-family:var(--display);font-weight:600;font-size:14px;color:var(--blue-ink);letter-spacing:.06em;margin-bottom:16px}
.steps h3{font-size:19px;margin-bottom:8px}
.steps p{font-size:15px;color:var(--muted);line-height:1.7}

/* feature split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}
.feature-list{list-style:none;display:grid;gap:22px;margin-top:28px}
.feature-list li{display:flex;gap:16px}
.feature-list .ic{width:40px;height:40px;border-radius:11px;background:var(--sky);color:var(--blue-ink);display:grid;place-items:center;flex-shrink:0}
.feature-list .ic svg{width:20px;height:20px}
.feature-list b{display:block;color:var(--ink);font-size:16.5px;margin-bottom:2px;font-weight:600}
.feature-list p{font-size:15px;color:var(--muted)}
.panel{background:var(--navy);border-radius:24px;padding:36px;color:var(--muted-d);position:relative;overflow:hidden}
.panel::before{content:'';position:absolute;width:420px;height:420px;right:-160px;top:-160px;border-radius:50%;background:radial-gradient(circle,rgba(31,92,255,.35),transparent 65%)}
.panel>*{position:relative}
.panel h3{color:#fff;font-size:22px;margin-bottom:6px}
.panel .row{display:flex;justify-content:space-between;gap:12px;padding:14px 0;border-bottom:1px solid var(--line-d);font-size:15px}
.panel .row:last-of-type{border-bottom:0}
.panel .row b{color:#fff;font-weight:600}
.panel .big{font-family:var(--display);font-size:56px;font-weight:600;color:#fff;letter-spacing:-.03em;line-height:1;margin:18px 0 6px}
.pill{display:inline-block;font-size:12px;font-weight:600;padding:4px 10px;border-radius:99px;background:rgba(14,159,110,.18);color:#5EE0AE}

/* homepage quick DSCR check */
.quick-calc{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow-lg);padding:28px}
.qc-head h3{font-size:21px;margin-bottom:2px}
.qc-head p{color:var(--muted);font-size:15px;margin-bottom:20px}
.qc-inputs{display:grid;grid-template-columns:1fr 1fr;gap:2px 16px}
.qc-est{font-size:13.5px;color:var(--muted);margin:2px 0 14px}
.qc-result{background:var(--navy);border-radius:16px;padding:20px 22px;display:flex;justify-content:space-between;align-items:center;gap:12px}
.qc-result small{display:block;font-size:13px;color:var(--muted-d)}
.qc-result b{font-family:var(--display);font-size:46px;font-weight:600;color:#fff;letter-spacing:-.03em;line-height:1.05}
.qc-right{text-align:right;display:grid;gap:8px;justify-items:end}
.qc-note{font-size:14px;color:var(--text);margin:14px 0 16px;min-height:42px}
.qc-fine{font-size:12.5px;color:var(--muted);text-align:center;margin-top:12px}

/* compare */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:44px}
.cmp{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden}
.cmp.feat{border:2px solid var(--blue)}
.cmp-head{padding:20px 26px;display:flex;justify-content:space-between;align-items:center;gap:12px;border-bottom:1px solid var(--line)}
.cmp-head h3{font-size:18px}
.cmp-row{display:flex;justify-content:space-between;gap:16px;padding:13px 26px;border-bottom:1px solid var(--line);font-size:15px}
.cmp-row:last-child{border-bottom:0}
.cmp-row span:first-child{color:var(--muted)}
.cmp-row span:last-child{font-weight:600;color:var(--ink);text-align:right}
.yes{color:var(--good)!important}.no{color:var(--bad)!important}

/* about */
.about{display:grid;grid-template-columns:380px 1fr;gap:72px;align-items:center}
.about-photo{border-radius:22px;overflow:hidden;aspect-ratio:4/5;background:var(--soft);box-shadow:var(--shadow-lg)}
.about-photo img{width:100%;height:100%;object-fit:cover;object-position:top}
.about p{font-size:17px;line-height:1.8;margin-bottom:18px;max-width:600px}
.creds{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}
.creds a,.creds span{display:inline-flex;align-items:center;gap:8px;padding:10px 14px;border-radius:10px;background:#fff;border:1px solid var(--line);font-size:14px;font-weight:500;color:var(--ink)}
.creds a:hover{border-color:var(--blue)}

/* FAQ */
.faq{max-width:820px;margin:44px auto 0}
.faq-item{border-bottom:1px solid var(--line)}
.faq-item summary{cursor:pointer;list-style:none;padding:22px 0;display:flex;justify-content:space-between;align-items:center;gap:20px;font-size:17px;font-weight:600;color:var(--ink)}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:'';flex-shrink:0;width:12px;height:12px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);transform:rotate(45deg) translate(-3px,-3px);transition:transform .2s}
.faq-item[open] summary::after{transform:rotate(-135deg) translate(-3px,-3px)}
.faq-item p{padding:0 0 22px;color:var(--text);line-height:1.8;max-width:700px;font-size:16px}
.faq-item p a{color:var(--blue-ink);font-weight:600}

/* ---------- lead form ---------- */
.apply{display:grid;grid-template-columns:1fr 520px;gap:72px;align-items:start}
.checks{list-style:none;display:grid;gap:14px;margin-top:28px}
.checks li{display:flex;gap:12px;align-items:center;font-size:16px}
.checks li::before{content:'';flex-shrink:0;width:22px;height:22px;border-radius:50%;background:var(--sky) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231A4FD6' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L19 7'/%3E%3C/svg%3E") center/12px no-repeat}
.bg-deep .checks li::before{background-color:rgba(143,176,255,.16);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%238FB0FF' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L19 7'/%3E%3C/svg%3E")}
.form-card{background:#fff;border-radius:20px;padding:34px;box-shadow:var(--shadow-lg);border:1px solid var(--line)}
.form-card h3{font-size:22px;margin-bottom:4px}
.form-card>p{font-size:15px;color:var(--muted);margin-bottom:24px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fg{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.fg label{font-size:14px;font-weight:500;color:var(--ink)}
.fg label i{font-style:normal;color:var(--bad)}
.input,.select,.textarea{width:100%;background:#fff;border:1px solid #CBD5E1;border-radius:10px;padding:12px 14px;font-size:15.5px;color:var(--ink);transition:border-color .15s,box-shadow .15s}
.input:focus,.select:focus,.textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px var(--sky)}
.select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2364748B' stroke-width='1.6' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
.textarea{min-height:92px;resize:vertical}
.consent{font-size:12.5px;color:var(--muted);line-height:1.6;margin:4px 0 16px}
.consent a{color:var(--blue-ink)}
.form-legal{font-size:12.5px;color:var(--muted);text-align:center;margin-top:14px;line-height:1.6}
.hp{position:absolute;left:-9999px}
.form-done{display:none;text-align:center;padding:30px 10px}
.form-done .ok{width:60px;height:60px;border-radius:50%;background:var(--good-bg);color:var(--good);display:grid;place-items:center;margin:0 auto 18px}
.form-done .ok svg{width:28px;height:28px}
.form-done h3{margin-bottom:8px}
.form-done p{color:var(--muted)}
form.sent{display:none}
form.sent+.form-done{display:block}
.form-err{display:none;background:var(--bad-bg);color:var(--bad);border-radius:10px;padding:10px 14px;font-size:14px;margin-bottom:12px}

/* ---------- inner page hero ---------- */
.page-hero{background:linear-gradient(180deg,#F4F7FD 0%,#fff 100%);border-bottom:1px solid var(--line);padding:56px 0 64px;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;width:700px;height:700px;right:-240px;top:-360px;border-radius:50%;background:radial-gradient(circle,rgba(31,92,255,.10),transparent 60%);pointer-events:none}
.page-hero .wrap{position:relative}
.crumbs{display:flex;flex-wrap:wrap;gap:8px;font-size:14px;color:var(--muted);margin-bottom:22px;list-style:none}
.crumbs li+li::before{content:'/';margin-right:8px;color:#B8C2D0}
.crumbs a:hover{color:var(--blue-ink)}
.page-hero h1{font-size:clamp(34px,4.4vw,56px);letter-spacing:-.03em;color:var(--navy);max-width:860px;margin-bottom:16px}
.page-hero .lede{font-size:19px;color:var(--text);max-width:680px;line-height:1.65;margin-bottom:28px}
.page-hero .tag{display:inline-block;background:var(--sky);color:var(--blue-ink);font-size:13px;font-weight:600;padding:5px 12px;border-radius:99px;margin-bottom:16px}
.meta{font-size:14.5px;color:var(--muted)}
.meta a{color:var(--ink);font-weight:600}
.facts{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);margin-top:36px;box-shadow:var(--shadow)}
.facts div{padding:20px 22px;border-right:1px solid var(--line)}
.facts div:last-child{border-right:0}
.facts small{display:block;font-size:13px;color:var(--muted);margin-bottom:4px}
.facts b{font-family:var(--display);font-size:22px;font-weight:600;color:var(--navy);letter-spacing:-.02em}

/* ---------- content + sidebar ---------- */
.page-body{max-width:var(--wrap);margin:0 auto;padding:72px 24px 88px;display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:72px;align-items:start}
.page-body.narrow{grid-template-columns:minmax(0,760px);justify-content:center}
.prose h2{font-size:clamp(25px,2.5vw,31px);margin:52px 0 16px;scroll-margin-top:96px}
.prose>h2:first-child,.prose>.lead+h2,.prose>.fit+h2{margin-top:0}
.prose h3{font-size:20px;margin:30px 0 10px}
.prose p{font-size:17px;line-height:1.8;margin-bottom:18px}
.prose .lead{font-size:19.5px;color:var(--ink);line-height:1.7;margin-bottom:32px}
.prose .lead strong{font-weight:500}
.prose ul,.prose ol{padding-left:22px;margin-bottom:22px;font-size:17px;line-height:1.8}
.prose li{margin-bottom:8px}
.prose li::marker{color:var(--blue)}
.prose strong{color:var(--ink);font-weight:600}
.prose a{color:var(--blue-ink);font-weight:500;text-decoration:underline;text-decoration-color:rgba(26,79,214,.35);text-underline-offset:3px}
.prose a:hover{text-decoration-color:currentColor}
.prose a.btn{text-decoration:none}
.callout,.art-callout{background:var(--soft);border:1px solid var(--line);border-left:3px solid var(--blue);padding:20px 24px;border-radius:0 var(--r) var(--r) 0;margin:28px 0}
.callout p,.art-callout p{margin:0;font-size:16px;color:var(--ink)}
.matrix-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;margin:26px 0}
.matrix-cell{background:#fff;padding:20px 16px}
.m-label{font-size:13px;color:var(--muted);margin-bottom:4px}
.m-val{font-family:var(--display);font-weight:600;font-size:22px;color:var(--navy);letter-spacing:-.02em}
.m-sub{font-size:13px;color:var(--muted);margin-top:2px}
.prose table{width:100%;border-collapse:collapse;font-size:15.5px}
.prose th{background:var(--soft);color:var(--ink);padding:12px 16px;text-align:left;font-size:13px;font-weight:600;border-bottom:1px solid var(--line)}
.prose td{padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}
.prose tr:last-child td{border-bottom:0}
.prose td:first-child{font-weight:600;color:var(--ink)}
.table-scroll{overflow-x:auto;margin:26px 0;border:1px solid var(--line);border-radius:var(--r)}
.table-scroll table{min-width:520px}
.prose .faq{margin:20px 0 0;max-width:none}
.fit{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:48px}
.fit>div{border:1px solid var(--line);border-radius:var(--r-lg);padding:22px 24px;background:#fff}
.fit h4{font-size:16px;margin-bottom:10px;display:flex;align-items:center;gap:8px}
.fit ul{list-style:none;padding:0;margin:0;font-size:15.5px;line-height:1.6}
.fit li{padding:6px 0 6px 26px;position:relative;margin:0}
.fit .good li::before,.fit .bad li::before{content:'';position:absolute;left:0;top:10px;width:16px;height:16px;border-radius:50%}
.fit .good li::before{background:var(--good-bg) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230E9F6E' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L19 7'/%3E%3C/svg%3E") center/10px no-repeat}
.fit .bad li::before{background:var(--soft-2) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2364748B' stroke-width='3.5' stroke-linecap='round'%3E%3Cpath d='M6 6l12 12M18 6L6 18'/%3E%3C/svg%3E") center/9px no-repeat}
.takeaways{background:var(--sky);border:1px solid var(--sky-2);border-radius:var(--r);padding:20px 24px;margin:0 0 30px}
.takeaways b{display:block;font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--blue-ink);margin-bottom:8px}
.takeaways ul{margin:0;padding-left:20px;font-size:16px;line-height:1.7}
.takeaways li{margin-bottom:6px}
.prose .tier td:nth-child(3){color:var(--blue-ink);font-weight:600}
.toc{background:var(--soft);border:1px solid var(--line);border-radius:var(--r);padding:20px 24px;margin:0 0 36px}
.toc b{display:block;font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:10px}
.toc ol{margin:0;padding-left:20px;font-size:15.5px;line-height:1.9}
.toc a{text-decoration:none;color:var(--ink);font-weight:500}
.toc a:hover{color:var(--blue-ink)}
.author{display:flex;gap:18px;align-items:center;border:1px solid var(--line);border-radius:var(--r-lg);padding:22px;margin-top:48px;background:#fff}
.author img{width:72px;height:72px;border-radius:50%;object-fit:cover;object-position:top;flex-shrink:0}
.author b{display:block;color:var(--ink);font-size:16px}
.author p{font-size:14.5px;color:var(--muted);margin:4px 0 0;line-height:1.6}
.disclaimer{font-size:13.5px!important;color:var(--muted);border-top:1px solid var(--line);padding-top:18px;margin-top:40px;line-height:1.7!important}

.sidebar{position:sticky;top:96px;display:grid;gap:18px}
.sb-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;box-shadow:var(--shadow-sm)}
.sb-card h4{font-size:16px;margin-bottom:12px}
.sb-card p{font-size:15px;color:var(--muted);line-height:1.6;margin-bottom:16px}
.sb-card.dark{background:var(--navy);border-color:var(--navy)}
.sb-card.dark h4{color:#fff}.sb-card.dark p{color:var(--muted-d)}
.sb-card ul{padding-left:18px;font-size:15px;line-height:1.9}
.sb-card ul a{color:var(--blue-ink)}
.req{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-bottom:1px solid var(--line);font-size:15px}
.req:last-of-type{border-bottom:0}
.req span:first-child{color:var(--muted)}
.req span:last-child{font-weight:600;color:var(--ink);text-align:right}
.sb-card .btn{margin-top:14px;width:100%}
.sb-note{font-size:13px!important;margin:12px 0 0!important}

/* ---------- CTA band ---------- */
.cta-band{padding:88px 0}
.cta-box{background:var(--navy);border-radius:28px;padding:64px;display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center;position:relative;overflow:hidden}
.cta-box::before{content:'';position:absolute;width:600px;height:600px;right:-200px;bottom:-360px;border-radius:50%;background:radial-gradient(circle,rgba(31,92,255,.45),transparent 62%)}
.cta-box>*{position:relative}
.cta-box h2{font-size:clamp(28px,3.4vw,42px);color:#fff;margin-bottom:10px}
.cta-box p{font-size:18px;color:var(--muted-d)}
.cta-box .row{display:flex;gap:12px;flex-wrap:wrap}

/* ---------- blog index ---------- */
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:32px}
.chip{border:1px solid var(--line);background:#fff;border-radius:99px;padding:8px 16px;font-size:14.5px;font-weight:500;cursor:pointer;color:var(--text)}
.chip:hover{border-color:#C5CED9}
.chip[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}
.featured{display:grid;grid-template-columns:1.1fr 1fr;border:1px solid var(--line);border-radius:22px;overflow:hidden;margin-bottom:44px;background:#fff;transition:box-shadow .2s}
.featured:hover{box-shadow:var(--shadow-lg)}
.featured .art{background:var(--navy);display:grid;place-items:center;padding:40px;min-height:300px;position:relative;overflow:hidden}
.featured .art::before{content:'';position:absolute;width:500px;height:500px;right:-160px;bottom:-260px;border-radius:50%;background:radial-gradient(circle,rgba(31,92,255,.5),transparent 62%)}
.featured .art span{position:relative;font-family:var(--display);font-size:clamp(56px,8vw,104px);font-weight:600;color:#fff;letter-spacing:-.04em;line-height:1}
.featured .txt{padding:44px 40px;display:flex;flex-direction:column;justify-content:center}
.featured h2{font-size:clamp(24px,2.6vw,32px);margin:8px 0 12px}
.featured p{color:var(--muted);margin-bottom:22px}
.post-card .tag{font-size:12.5px}
.post-card h3{font-size:19px;line-height:1.3}
.post-card .meta{font-size:13.5px;margin-top:auto}
.post-card[hidden]{display:none}

/* ---------- calculators ---------- */
.calc{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:40px;align-items:start}
.calc-panel{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);overflow:hidden}
.calc-panel header{padding:22px 28px;display:flex;justify-content:space-between;align-items:center;gap:16px;border-bottom:1px solid var(--line)}
.calc-panel header h2{font-size:20px}
.calc-panel header p{color:var(--muted);font-size:14px;margin-top:2px}
.calc-inputs{padding:28px;display:grid;grid-template-columns:1fr 1fr;gap:6px 20px}
.field{display:block;margin-bottom:14px}
.field>span{display:flex;justify-content:space-between;font-size:14px;font-weight:500;color:var(--ink);margin-bottom:7px}
.field>span output{color:var(--blue-ink);font-weight:600}
.money{position:relative}
.money::before{content:'$';position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted)}
.money input{padding-left:28px}
.hint{display:block;font-size:13px;color:var(--muted);margin-top:5px;font-weight:400}
input[type=range]{width:100%;accent-color:var(--blue);height:24px;cursor:pointer}
.seg{display:flex;background:var(--soft);border:1px solid var(--line);border-radius:10px;padding:3px}
.seg button{flex:1;border:0;background:none;padding:9px 8px;border-radius:8px;font-weight:500;font-size:14.5px;cursor:pointer;color:var(--muted)}
.seg button[aria-pressed="true"]{background:#fff;color:var(--ink);box-shadow:var(--shadow-sm);font-weight:600}
.seg.mini{display:inline-flex;padding:2px;border-radius:8px}
.seg.mini button{flex:none;padding:3px 9px;font-size:12.5px;border-radius:6px}
.field>span .seg.mini{margin-left:auto}
.pct{position:relative}
.pct::after{content:'%';position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted);pointer-events:none}
.pct input{padding-right:32px}
.results{border-top:1px solid var(--line);padding:28px;background:var(--soft)}
.big-result{background:var(--navy);border-radius:16px;padding:26px 28px;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;margin-bottom:16px}
.big-result small{display:block;font-size:13px;color:var(--muted-d);margin-bottom:4px}
.big-result .dscr{font-family:var(--display);font-size:60px;font-weight:600;color:#fff;line-height:1;letter-spacing:-.03em}
.big-result .verdict{text-align:right}
.big-result .verdict p{color:var(--muted-d);font-size:14px;max-width:280px;margin-top:8px}
.badge{display:inline-block;font-size:12.5px;font-weight:600;padding:4px 10px;border-radius:99px;background:var(--soft-2);color:var(--muted)}
.badge.good{background:var(--good-bg);color:var(--good)}
.badge.warn{background:var(--warn-bg);color:var(--warn)}
.badge.bad{background:var(--bad-bg);color:var(--bad)}
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.kpis div{background:#fff;padding:16px 14px}
.kpis small{display:block;font-size:12.5px;color:var(--muted);margin-bottom:2px}
.kpis b{font-family:var(--display);font-size:21px;font-weight:600;color:var(--navy);letter-spacing:-.02em}
.scale{margin-top:20px}
.scale-bar{height:8px;border-radius:99px;background:linear-gradient(90deg,var(--bad) 0 25%,#F59E0B 25% 50%,var(--good) 50%);position:relative}
.scale-bar i{position:absolute;top:50%;width:18px;height:18px;border-radius:50%;background:#fff;border:3px solid var(--navy);transform:translate(-50%,-50%);transition:left .25s}
.scale-labels{display:flex;justify-content:space-between;font-size:12.5px;color:var(--muted);margin-top:8px}
.breakdown{list-style:none;margin-top:16px}
.breakdown li{display:flex;align-items:center;gap:10px;padding:9px 0;border-bottom:1px solid var(--line);font-size:15px}
.breakdown li:last-child{border-bottom:0}
.breakdown i{width:10px;height:10px;border-radius:3px;flex-shrink:0}
.breakdown span{flex:1;color:var(--muted)}
.breakdown b{color:var(--ink);font-weight:600}
.stack{display:flex;height:12px;border-radius:99px;overflow:hidden;margin-top:18px;background:var(--line)}
.stack i{display:block;height:100%;transition:width .25s}

/* ---------- footer ---------- */
.site-footer{background:var(--navy);color:var(--muted-d);padding:80px 0 36px;font-size:14.5px}
.footer-top{display:grid;grid-template-columns:1.3fr repeat(4,1fr);gap:40px;margin-bottom:56px}
.footer-top .site-logo{color:#fff}
.footer-top .logo-mark{background:var(--blue)}
.footer-top p{margin-top:16px;max-width:300px;line-height:1.75}
.footer-top h5{font-family:var(--sans);font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:#fff;font-weight:600;margin-bottom:16px}
.footer-top nav a{display:block;margin-bottom:11px;transition:color .15s}
.footer-top nav a:hover{color:#fff}
.footer-phone{display:inline-block;margin-top:18px;color:#fff;font-weight:600;font-size:17px}
.footer-legal{border-top:1px solid var(--line-d);padding-top:28px;font-size:13px;line-height:1.9}
.footer-legal a{text-decoration:underline;text-underline-offset:2px}
.footer-legal a:hover{color:#fff}
.eho{display:inline-flex;align-items:center;gap:8px}
.eho svg{width:20px;height:20px}

/* ---------- sticky mobile CTA ---------- */
.mobile-cta{display:none;position:fixed;left:0;right:0;bottom:0;z-index:880;background:#fff;border-top:1px solid var(--line);padding:10px 12px calc(10px + env(safe-area-inset-bottom));gap:10px;box-shadow:0 -6px 20px rgba(10,37,64,.08)}
.mobile-cta .btn{flex:1;padding:13px 10px}

/* ---------- reveal ---------- */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .6s cubic-bezier(.22,1,.36,1),transform .6s cubic-bezier(.22,1,.36,1)}
.reveal.visible{opacity:1;transform:none}
.no-js .reveal{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .reveal{opacity:1;transform:none;transition:none}
}

/* ---------- responsive ---------- */
@media (max-width:1120px){
  .nav-links,.nav-phone{display:none}
  .hamburger{display:flex}
  .hero-grid{grid-template-columns:minmax(0,1fr);gap:48px}
  .finder{max-width:560px}
  .grid-4{grid-template-columns:1fr 1fr}
  .cats{grid-template-columns:minmax(0,1fr)}
  .split,.apply,.about{grid-template-columns:minmax(0,1fr);gap:48px}
  .about-photo{max-width:360px}
  .page-body,.calc{grid-template-columns:minmax(0,1fr);gap:48px}
  .sidebar{position:static}
  .footer-top{grid-template-columns:1fr 1fr 1fr}
  .footer-top>div:first-child{grid-column:1/-1}
  .cta-box{grid-template-columns:1fr;padding:48px}
}
@media (max-width:760px){
  body{font-size:15.5px}
  .wrap,.nav-wrap{padding-left:16px;padding-right:16px}
  .topbar .tb-left{display:none}
  .topbar .wrap{justify-content:center}
  .nav-wrap{height:64px}
  .mobile-drawer{top:64px}
  .nav-right .btn{display:none}
  .page-body{padding:48px 16px 64px}
  .section{padding:68px 0}
  .section.tight{padding:52px 0}
  .hero{padding:52px 0 64px}
  .page-hero{padding:40px 0 48px}
  .grid-4,.grid-3,.grid-2,.steps,.compare,.fit{grid-template-columns:minmax(0,1fr)}
  .cred-strip .wrap{grid-template-columns:1fr 1fr;padding:0}
  .cred-strip div:nth-child(2){border-right:0}
  .cred-strip div:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .facts{grid-template-columns:1fr 1fr}
  .facts div:nth-child(2){border-right:0}
  .facts div:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .form-row,.calc-inputs,.qc-inputs{grid-template-columns:minmax(0,1fr)}
  .quick-calc{padding:20px}
  .form-card{padding:24px 18px}
  .matrix-grid,.kpis{grid-template-columns:1fr 1fr}
  .featured{grid-template-columns:1fr}
  .featured .art{min-height:150px}
  .featured .txt{padding:28px 22px}
  .footer-top{grid-template-columns:1fr 1fr}
  .hero-ctas .btn{flex:1 1 100%}
  .cta-band{padding:56px 0}
  .cta-box{padding:36px 24px;border-radius:22px}
  .mobile-cta{display:flex}
  body{padding-bottom:72px}
  .big-result .verdict{text-align:left}
  .finder{padding:20px}
}
@media print{.site-nav,.topbar,.mobile-cta,.cta-band,.sidebar{display:none}}

/* about: profile page */
.profile-hero{background:radial-gradient(900px 500px at 85% -10%,rgba(31,92,255,.35),transparent 60%),var(--navy);color:var(--muted-d);padding:56px 0 0;overflow:hidden}
.profile-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:64px;align-items:end}
.profile-grid>div:first-child{padding-bottom:72px}
.profile-hero .crumbs,.profile-hero .crumbs a{color:var(--muted-d)}
.profile-hero .eyebrow{color:#8FB0FF}
.profile-hero h1{color:#fff;font-size:clamp(44px,6vw,76px);letter-spacing:-.03em;line-height:1;margin-bottom:20px}
.profile-lede{font-size:19px;line-height:1.6;max-width:520px;color:#C9D5E6}
.stat-row{display:grid;grid-template-columns:repeat(3,auto);justify-content:start;gap:0;margin:36px 0 36px;border-top:1px solid var(--line-d);border-bottom:1px solid var(--line-d)}
.stat-row div{padding:18px 32px 18px 0;margin-right:32px;border-right:1px solid var(--line-d)}
.stat-row div:last-child{border-right:0;margin-right:0}
.stat-row b{display:block;line-height:1.2;font-family:var(--display);font-size:24px;font-weight:600;color:#fff;letter-spacing:-.01em}
.stat-row span{font-size:13px;color:var(--muted-d)}
.profile-photo{align-self:end;border-radius:22px 22px 0 0;overflow:hidden;aspect-ratio:4/5;max-height:560px;box-shadow:0 -20px 60px rgba(0,0,0,.25)}
.profile-photo img{width:100%;height:100%;object-fit:cover;object-position:top}
.bio-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:72px;align-items:start}
.bio-text p{font-size:18px;line-height:1.8;color:var(--text);margin-bottom:22px}
.bio-text p:first-child::first-line{color:var(--ink);font-weight:600}
.quote-band{background:var(--navy);padding:88px 0;text-align:center}
.quote-band blockquote{max-width:860px;margin:0 auto}
.quote-band p{font-family:var(--display);font-size:clamp(26px,3.2vw,40px);line-height:1.3;color:#fff;letter-spacing:-.02em;font-weight:500}
.quote-band cite{display:block;margin-top:22px;font-style:normal;font-size:14px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold)}
.focus-list{border-top:1px solid var(--line)}
.focus-list a{display:grid;grid-template-columns:48px minmax(0,1fr) 24px;gap:20px;padding:28px 0;border-bottom:1px solid var(--line);align-items:start;transition:padding .2s}
.focus-list a:hover{padding-left:8px}
.focus-list .n{font-family:var(--display);font-size:14px;font-weight:600;color:var(--blue-ink);padding-top:4px}
.focus-list h3{font-size:21px;margin-bottom:6px;color:var(--ink)}
.focus-list p{color:var(--text);line-height:1.7}
.focus-list .arrow{color:var(--blue-ink);font-size:20px;padding-top:2px}
@media (max-width:900px){
  .profile-grid,.bio-grid{grid-template-columns:minmax(0,1fr);gap:32px}
  .profile-grid>div:first-child{padding-bottom:0}
  .profile-photo{max-width:420px;max-height:none}
}
@media (max-width:560px){
  .stat-row{grid-template-columns:repeat(3,minmax(0,1fr))}
  .stat-row div{margin-right:0;padding:14px 10px 14px 0}
  .stat-row div+div{padding-left:12px}
  .stat-row b{font-size:17px}
  .stat-row span{font-size:11.5px;line-height:1.35;display:block}
}

/* about: credentials list */
.cred-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 32px;margin:0;border-top:1px solid var(--line)}
.cred-list div{padding:12px 0;border-bottom:1px solid var(--line)}
.cred-list dt{font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.cred-list dd{margin:0;font-size:15px;font-weight:500;color:var(--ink)}
.cred-list a{color:var(--ink)}.cred-list a:hover{color:var(--blue)}
@media (max-width:480px){.cred-list{grid-template-columns:minmax(0,1fr)}}

/* diagrams */
.prose .diagram,.diagram{margin:32px 0;padding:28px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-sm)}
.diagram svg{display:block;width:100%;height:auto;max-width:560px;margin:0 auto}
.diagram svg a{text-decoration:none}
.diagram svg a:hover rect{opacity:.9}
.diagram figcaption{margin-top:18px;font-size:14px;line-height:1.6;color:var(--muted);text-align:center}
@media (max-width:560px){.prose .diagram,.diagram{padding:14px 10px;margin:24px 0}}

/* home: loan officer mini card in the apply section */
.lo-card{display:flex;gap:14px;align-items:center;margin-top:28px;padding:16px 18px;border:1px solid var(--line-d);border-radius:14px;background:var(--navy-2);max-width:460px}
.lo-card img{width:56px;height:56px;border-radius:50%;object-fit:cover;object-position:top;flex:none}
.lo-card b{display:block;color:#fff;font-size:15px}
.lo-card span{display:block;font-size:13px;color:var(--muted-d);margin:2px 0 4px}
.lo-card a{font-size:13.5px;font-weight:600;color:#8FB0FF}
#apply{scroll-margin-top:72px}

/* photos */
.cat-img{display:block;max-width:none;width:calc(100% + 60px);margin:-30px -30px 24px;aspect-ratio:3/2;object-fit:cover;border-radius:20px 20px 0 0;background:var(--soft)}
.cat .cat-img+.icon{margin-top:-49px;position:relative;border:4px solid #fff;width:50px;height:50px;box-sizing:content-box;margin-left:-4px}
.page-photo{margin:-28px 0 0;position:relative;z-index:1}
.page-photo img{display:block;width:100%;aspect-ratio:12/5;object-fit:cover;border-radius:22px;box-shadow:var(--shadow-lg);background:var(--soft)}
.split-photo{margin:24px 0 28px}
.split-photo img{display:block;width:100%;aspect-ratio:16/9;object-fit:cover;border-radius:18px;background:var(--soft)}
@media (max-width:700px){
  .page-photo{margin-top:-20px}
  .page-photo img{aspect-ratio:4/3;border-radius:16px}
}