:root{--blue:#1769e8;--blue-d:#0b4fb8;--ink:#14294a;--text:#2b4466;--muted:#475b74;--line:#d6e3f3;--bg:#f4f8ff;--sun:#ffe49a;--cta:#cf3d14;--cta-d:#b8330c;--r:18px;--sh:0 10px 30px rgba(21,56,93,.09)}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--text);background:#fff;overflow-x:hidden}
img,svg{max-width:100%;height:auto}a{color:#0753bf;text-underline-offset:3px}
a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #ff785c;outline-offset:3px}
h1,h2,h3{color:var(--ink);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2.1rem,5vw,3.9rem);letter-spacing:-.035em;line-height:1.08}
h2{font-size:clamp(1.55rem,3vw,2.3rem);letter-spacing:-.02em}h3{font-size:1.15rem;line-height:1.3}
.wrap{width:min(1120px,calc(100% - 32px));margin-inline:auto}
.skip{position:absolute;left:-999px;top:8px;background:#fff;color:var(--ink);padding:10px 16px;border-radius:8px;z-index:50;font-weight:700}.skip:focus{left:8px}
/* header */
header{background:#fff;position:sticky;top:0;z-index:20;box-shadow:0 1px 0 var(--line)}
.nav{display:flex;align-items:center;gap:18px;padding:11px 0}
.brand{font-size:1.4rem;font-weight:900;letter-spacing:-.02em;text-decoration:none;color:var(--blue);white-space:nowrap}.brand span{color:#b83b1c}
.nav>nav{display:flex;flex:1;justify-content:flex-end;gap:clamp(8px,1.2vw,18px)}
.nav>nav a{color:#18375c;font-weight:650;font-size:.9rem;text-decoration:none;padding:6px 2px;border-bottom:2px solid transparent;white-space:nowrap}
.nav>nav a:hover,.nav>nav a[aria-current]{border-color:var(--cta)}
.nav a.nav-apply-cta{display:inline-flex;align-items:center;gap:6px;min-height:44px;padding:10px 22px;border-radius:999px;background:linear-gradient(135deg,var(--cta),var(--cta-d));color:#fff;font-weight:800;font-size:.92rem;text-decoration:none;white-space:nowrap;box-shadow:0 3px 0 #8f2608,0 8px 16px rgba(125,43,17,.18);transition:transform .15s}
.nav a.nav-apply-cta:hover{transform:translateY(-1px)}.nav a.nav-apply-cta:active{transform:translateY(2px);box-shadow:0 1px 0 #8f2608}
.menu{display:none;position:relative}.menu summary{list-style:none;cursor:pointer;min-height:44px;display:flex;align-items:center;padding:0 12px;border:1px solid var(--line);border-radius:10px;font-weight:700;color:var(--ink);font-size:.9rem}
.menu summary::-webkit-details-marker{display:none}
.menu-panel{position:absolute;right:0;top:calc(100% + 8px);width:min(260px,86vw);background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--sh);padding:8px;display:grid}
.menu-panel a{padding:11px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-weight:650}.menu-panel a:hover,.menu-panel a[aria-current]{background:var(--bg)}
/* buttons / tags */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;min-height:48px;padding:12px 24px;border:0;border-radius:14px;background:var(--blue);color:#fff;font:inherit;font-weight:800;text-decoration:none;cursor:pointer;box-shadow:0 8px 18px rgba(23,105,232,.22);transition:transform .15s,background .15s}
.btn:hover{background:var(--blue-d);transform:translateY(-2px)}
.btn-cta{background:linear-gradient(135deg,var(--cta),var(--cta-d));box-shadow:0 4px 0 #8f2608,0 10px 20px rgba(125,43,17,.18)}.btn-cta:hover{background:var(--cta-d)}
.btn-ghost{background:#fff;color:var(--blue-d);border:2px solid var(--blue);box-shadow:none}.btn-ghost:hover{background:var(--bg)}
.tag{display:inline-block;background:var(--sun);color:#583d00;border-radius:99px;padding:5px 13px;font-size:.8rem;font-weight:800}
.eyebrow{color:#a33c24;font-weight:800;letter-spacing:.08em;text-transform:uppercase;font-size:.78rem}
.fine{font-size:.84rem;color:var(--muted)}
/* hero */
.hero{background:linear-gradient(115deg,#e5f3ff 0%,#fff4d9 65%,#ffe8e0 100%);padding:clamp(32px,6vw,72px) 0}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:clamp(24px,4vw,48px);align-items:center}
.lead{font-size:1.12rem;color:#304b6c}
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:18px 0 0;padding:0}
.chips li{background:rgba(255,255,255,.75);border:1px solid var(--line);border-radius:99px;padding:6px 13px;font-size:.84rem;font-weight:700;color:var(--ink)}
.chips li:before{content:"✓ ";color:#0e7a46}
.panel{background:#fff;padding:24px;border-radius:22px;box-shadow:0 15px 40px rgba(28,69,112,.14);width:100%;max-width:460px}
.panel label{display:block;font-weight:750;color:var(--ink)}
.hero-art{display:grid;place-items:center}.hero-art svg{width:100%;max-width:420px;filter:drop-shadow(0 18px 30px rgba(21,56,93,.14))}
/* loan picker */
.loan-amount-display{display:flex;align-items:baseline;justify-content:center;gap:3px;font-size:clamp(2.2rem,9vw,3.1rem);font-weight:850;color:#124da0;line-height:1.2;margin:10px 0}
.loan-picker input[type=range]{display:block;width:100%;min-height:44px;margin:8px 0 2px;cursor:pointer;accent-color:var(--blue);touch-action:pan-y}
.loan-range-labels{display:flex;justify-content:space-between;font-size:.84rem;color:var(--muted);font-weight:700}
.loan-quick{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:6px;margin:16px 0}
.loan-quick button{min-height:44px;border:1px solid #9ab5d8;background:#f2f7ff;border-radius:10px;color:#143a6b;font:inherit;font-size:.85rem;font-weight:750;cursor:pointer;touch-action:manipulation}
.loan-quick button[aria-pressed=true]{background:var(--blue);color:#fff;border-color:var(--blue)}
.loan-submit{width:100%}.loan-picker .fine{margin:12px 0 0}
/* sections / cards */
.section{padding:clamp(40px,6vw,68px) 0}.soft{background:var(--bg)}
.defer{content-visibility:auto;contain-intrinsic-size:auto 560px}
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.cards.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{padding:24px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);transition:transform .2s,border-color .2s}
.card:hover{transform:translateY(-3px);border-color:#9ab5d8}.card h3{margin-top:0}.card p{margin:0 0 12px}
.card .num{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;margin-bottom:10px}
.card>a:last-child{font-weight:750}
.split{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(24px,4vw,45px);align-items:center}
/* cost visual */
.cost{background:#fff;border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:var(--sh)}
.bar{display:flex;justify-content:space-between;gap:12px;align-items:center;border-radius:12px;padding:14px 16px;font-weight:800;margin:0 0 10px}
.bar.a{background:#e6f1ff;color:#0b3f94;width:87%}.bar.b{background:#ffe3da;color:#8a2a0c}
.cost .fine{margin:12px 0 0}
.stat{font-size:clamp(2rem,6vw,3rem);font-weight:900;color:#a02f0e;line-height:1}
/* answer box + content pages */
.aio-direct-answer{background:#fff;border:1px solid var(--line);border-left:5px solid var(--blue);border-radius:12px;padding:16px 18px;color:var(--ink);font-size:1.04rem;margin:0 0 18px}
.hero .aio-direct-answer{background:rgba(255,255,255,.8)}
.page{min-height:60vh}.page>.content,.page>.wrap{padding-top:34px;padding-bottom:28px}
.content,.guide-content{max-width:860px}.content p,.content li,.guide-content p,.guide-content li{color:var(--text)}
.content h2{margin-top:1.6em}.content h1,.guide-content h1{margin-top:12px}
.crumbs{font-size:.86rem;color:var(--muted);margin-bottom:10px}.crumbs a{color:var(--muted)}.crumbs span[aria-current]{color:var(--ink);font-weight:650}
.meta{font-size:.84rem;color:var(--muted);margin:-.2em 0 1.2em}
.notice{border-left:5px solid #ff785c;background:#fff4e9;padding:16px 18px;border-radius:8px;margin:20px 0}.notice p{margin:.4em 0 0}
.guide-block{padding:20px 0;border-bottom:1px solid #dce6f2}.guide-block h2{font-size:clamp(1.25rem,2.4vw,1.7rem);margin:0 0 8px}
.aio-depth{line-height:1.75}.aio-depth p,.aio-depth li{max-width:78ch}.aio-depth h3{margin:1.3rem 0 .5rem}.aio-depth li{margin-bottom:.5rem}
.table-scroll,.content table,.aio-depth table{max-width:100%}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;margin:1rem 0;background:#fff}
th,td{padding:12px;border:1px solid #b9c9dd;text-align:left}th{background:#e9f3ff;color:var(--ink)}caption{text-align:left;font-weight:700;padding:0 0 8px;color:var(--ink)}
.content table{display:block;overflow-x:auto}
details{padding:16px 0;border-bottom:1px solid #d4e2f2}
summary{font-weight:750;cursor:pointer;color:var(--ink)}details[open] summary{margin-bottom:8px}details p{margin:0}
/* apply page */
.apply-hero{background:linear-gradient(125deg,#e4f4ff 0%,#fff5d9 55%,#ffe6e2 100%);padding:34px 0 55px}
.apply-intro{text-align:center;max-width:780px;margin:0 auto 22px}.apply-intro h1{font-size:clamp(2rem,4vw,3.1rem);margin:12px 0}
.apply-form-shell{background:#fff;border:1px solid #c9dff5;box-shadow:0 18px 50px rgba(24,59,108,.13);border-radius:24px;padding:clamp(14px,3vw,32px);max-width:850px;margin:auto;min-height:350px}
#_lg_form_:empty:before{content:"Loading secure request form…";display:block;text-align:center;color:var(--muted);padding:40px 0}
.apply-small{max-width:850px;margin:16px auto 0;color:#344b67;font-size:.86rem}
.apply-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:20px 0 32px}.apply-steps .card{padding:18px}
/* footer */
footer{background:#102a4d;color:#eaf2ff;padding:44px 0 30px}footer a{color:#eaf2ff}footer strong{font-size:1.15rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}
.foot-grid h2{font-size:.85rem;letter-spacing:.08em;text-transform:uppercase;color:#bcd3f2;margin:0 0 10px}
.foot-grid ul{list-style:none;margin:0;padding:0;display:grid;gap:6px}.foot-grid p{margin:.5em 0 0}
footer .fine{color:#eaf2ff;margin-top:26px;padding-top:18px;border-top:1px solid rgba(255,255,255,.18)}
/* responsive */
@media(max-width:1020px){.nav>nav{display:none}.menu{display:block}.nav a.nav-apply-cta{margin-left:auto}}
@media(max-width:760px){.hero-grid,.split,.cards,.cards.two,.apply-steps,.foot-grid{grid-template-columns:minmax(0,1fr)}.hero-art{display:none}.card{padding:18px}.panel{max-width:none;padding:18px}.bar.a{width:100%}.nav{gap:8px}.brand{font-size:1.15rem}.nav a.nav-apply-cta{padding:9px 15px;font-size:.85rem}}
@media(max-width:600px){.loan-quick{grid-template-columns:repeat(3,minmax(0,1fr));gap:8px}.table-scroll table,.content table{min-width:520px}}
@media(max-width:350px){.loan-quick{grid-template-columns:repeat(2,minmax(0,1fr))}.brand{font-size:1rem}.menu summary{padding:0 9px}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{animation:none!important;scroll-behavior:auto!important;transition:none!important}}