:root{
  --teal:#0D4F4F;--teal-dark:#083535;--teal-light:#1a7272;
  --coral:#FF6B5B;--coral-dark:#e04a3a;
  --cream:#FAF7F2;--cream-dark:#F0EBE0;
  --ink:#1A1F1F;--ink-soft:#2b3232;--muted:#5b6464;--line:#dcd6c8;
  --ok:#2d7a4f;--warn:#b25b00;--danger:#a3341a;
  --radius:10px;--radius-lg:16px;
  --shadow:0 2px 10px rgba(13,79,79,.08);--shadow-lg:0 10px 30px rgba(13,79,79,.12);
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Manrope',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--cream);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Source Serif 4','Source Serif Pro',Georgia,serif;color:var(--teal-dark);line-height:1.25;margin:0 0 .6em;font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.5vw,2.9rem)}
h2{font-size:clamp(1.55rem,3vw,2.1rem);margin-top:1.8em}
h3{font-size:1.3rem;margin-top:1.4em}
h4{font-size:1.1rem;font-family:'Manrope',sans-serif;font-weight:700;color:var(--ink)}
p{margin:0 0 1em}
a{color:var(--teal);text-decoration:underline;text-decoration-color:rgba(13,79,79,.3);text-underline-offset:3px}
a:hover{color:var(--coral-dark)}
.container{max-width:var(--max);margin:0 auto;padding:0 1.25rem}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* Skip link */
.skip{position:absolute;left:-999px;top:0;background:var(--teal);color:#fff;padding:.6rem 1rem;z-index:1000}
.skip:focus{left:1rem;top:1rem}

/* Header */
header.site{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:100;box-shadow:var(--shadow)}
.navwrap{display:flex;align-items:center;justify-content:space-between;padding:.9rem 0;gap:1rem}
.brand{
  display:inline-block;
  text-decoration:none;
  font-family:'Source Serif 4','Source Serif Pro',Georgia,serif;
  font-size:1.5rem;
  font-weight:700;
  color:var(--teal-dark);
  letter-spacing:-.015em;
  line-height:1;
  transition:color .15s,transform .15s;
}
.brand:hover{color:var(--teal-dark);transform:translateY(-1px)}
.brand .accent{
  color:var(--coral-dark);
  position:relative;
}
.brand .accent::after{
  content:"";
  position:absolute;
  left:0;right:0;bottom:-.08em;
  height:.18em;
  background:rgba(255,107,91,.22);
  z-index:-1;
  border-radius:2px;
}
@media(max-width:560px){.brand{font-size:1.25rem}}
nav.main{display:flex;gap:1.4rem;align-items:center}
nav.main a{color:var(--ink-soft);text-decoration:none;font-weight:500;font-size:.95rem}
nav.main a:hover{color:var(--coral-dark)}
.cta-btn{background:var(--coral);color:#fff!important;padding:.65rem 1.2rem;border-radius:var(--radius);font-weight:600;text-decoration:none!important;display:inline-block;transition:background .15s}
.cta-btn:hover{background:var(--coral-dark);color:#fff!important}
.cta-btn.ghost{background:transparent;border:2px solid var(--teal);color:var(--teal)!important;padding:.55rem 1.1rem}
.cta-btn.ghost:hover{background:var(--teal);color:#fff!important}
.menu-toggle{display:none;background:none;border:0;font-size:1.5rem;color:var(--teal);cursor:pointer}

@media(max-width:860px){
  nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:1rem 1.25rem;border-bottom:1px solid var(--line);gap:.9rem}
  nav.main.open{display:flex}
  .menu-toggle{display:block}
}

/* Hero — with money background image + strong overlay for text clarity */
.hero{
  background:
    linear-gradient(100deg, rgba(250,247,242,0.98) 0%, rgba(250,247,242,0.95) 30%, rgba(250,247,242,0.80) 55%, rgba(250,247,242,0.55) 80%, rgba(250,247,242,0.35) 100%),
    linear-gradient(170deg,var(--cream) 0%,#fff 55%,var(--cream-dark) 100%);
  padding:3.5rem 0 3rem;
  border-bottom:1px solid var(--line);
  position:relative;
  overflow:hidden;
}
.hero::after{
  content:"";
  position:absolute;
  inset:0;
  background-image:image-set(url('../images/bg/hero-money.webp') type('image/webp'),
                             url('../images/bg/hero-money.jpg') type('image/jpeg'));
  background-position:center right;background-size:cover;background-repeat:no-repeat;
  opacity:.30;
  z-index:0;
  pointer-events:none;
}
.hero > *{position:relative;z-index:2}
.hero h1,.hero .lede{text-shadow:0 1px 2px rgba(250,247,242,0.6)}
.hero::before{content:"";position:absolute;top:-80px;right:-80px;width:360px;height:360px;background:radial-gradient(circle,rgba(255,107,91,.08) 0%,transparent 70%);border-radius:50%;pointer-events:none;z-index:1}

/* Benefits list — new inside hero left column */
.hero-benefits{list-style:none;padding:0;margin:1.3rem 0 0;display:grid;gap:.65rem;max-width:560px}
.hero-benefits li{display:flex;align-items:flex-start;gap:.75rem;font-size:.93rem;color:var(--ink-soft);line-height:1.55}
.hero-benefits li::before{
  content:"";
  flex:0 0 20px;
  width:20px;height:20px;
  margin-top:3px;
  background:var(--coral) url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'><path d='M7.5 13.5l-3.5-3.5 1.4-1.4 2.1 2.1 5.5-5.5 1.4 1.4z' fill='white'/></svg>") center/14px no-repeat;
  border-radius:50%;
}
.hero-benefits li > span{flex:1;min-width:0}
.hero-benefits li b{color:var(--teal-dark);font-weight:700}
.hero-inner{display:grid;grid-template-columns:1.05fr .95fr;gap:2.8rem;align-items:center;position:relative;z-index:1}
.hero h1{margin-top:0;font-size:clamp(1.85rem,3.6vw,2.6rem);line-height:1.2;margin-bottom:.8rem}
.hero h1 .hero-accent{color:var(--coral-dark);position:relative;display:inline-block;white-space:nowrap;padding:0 .08em}
.hero h1 .hero-accent::after{content:"";position:absolute;bottom:.08em;left:0;right:0;height:.22em;background:rgba(255,107,91,.22);z-index:-1;border-radius:3px}
.hero p.lede{font-size:1.02rem;color:var(--ink-soft);margin-bottom:1.3rem;line-height:1.6;max-width:520px}
.hero .cta-row{display:flex;gap:.7rem;flex-wrap:wrap;margin-top:1.1rem}
.hero .micro{font-size:.8rem;color:var(--muted);margin-top:1rem;display:flex;gap:1.1rem;flex-wrap:wrap}
.hero .micro span{display:inline-flex;align-items:center;gap:.4rem}
.hero .micro span::before{content:"";display:inline-block;width:6px;height:6px;border-radius:50%;background:var(--coral)}

/* Hero form (replaces AT A GLANCE card) */
.hero-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.6rem 1.6rem 1.3rem;box-shadow:var(--shadow-lg);position:relative}
.hero-form::before{content:"";position:absolute;top:-1px;left:1.5rem;right:1.5rem;height:3px;background:linear-gradient(90deg,var(--coral) 0%,var(--teal-light) 100%);border-radius:3px}
.hero-form h3{margin:0 0 .3rem;font-family:'Source Serif 4',serif;font-size:1.25rem;color:var(--teal-dark);line-height:1.25}
.hero-form .hf-sub{margin:0 0 1.1rem;color:var(--muted);font-size:.85rem;line-height:1.5}
.hero-form #_lg_form_{min-height:280px}
.hero-form .hf-trust{margin-top:.9rem;font-size:.72rem;color:var(--muted);text-align:center;padding-top:.75rem;border-top:1px dashed var(--line);letter-spacing:.02em}
.hero-form .hf-trust strong{color:var(--teal-dark);font-weight:700}

@media(max-width:860px){.hero-inner{grid-template-columns:1fr;gap:1.8rem}.hero{padding:2.2rem 0 2rem}.hero h1{font-size:clamp(1.7rem,6vw,2.2rem)}}

/* Glance strip — key stats between hero and matrix */
.glance-strip{background:#fff;border-bottom:1px solid var(--line)}
.glance-grid{display:grid;grid-template-columns:repeat(5,1fr);align-items:stretch}
.glance-item{padding:1.1rem 1rem;border-right:1px solid var(--line);text-align:center;display:flex;flex-direction:column;justify-content:center;gap:.25rem}
.glance-item:last-child{border-right:0}
.glance-item .lbl{color:var(--muted);font-size:.7rem;text-transform:uppercase;letter-spacing:.09em;font-weight:600}
.glance-item .val{color:var(--teal-dark);font-weight:700;font-size:1.1rem;font-family:'Source Serif 4',serif;line-height:1.2}
.glance-item .val b{color:var(--coral-dark)}
@media(max-width:860px){
  .glance-grid{grid-template-columns:repeat(2,1fr)}
  .glance-item{border-right:1px solid var(--line);border-bottom:1px solid var(--line);padding:.9rem .8rem}
  .glance-item:nth-child(even){border-right:0}
  .glance-item:nth-last-child(-n+1){border-bottom:0;grid-column:1 / -1}
}
@media(max-width:500px){
  .glance-grid{grid-template-columns:1fr}
  .glance-item{border-right:0;border-bottom:1px solid var(--line)}
  .glance-item:last-child{border-bottom:0}
  .glance-item:nth-last-child(-n+1){grid-column:auto}
}

/* Sections */
section{padding:3rem 0}
section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-title{text-align:center;margin-bottom:2rem}
.sec-title h2{margin-top:0}
.sec-title p{color:var(--muted);max-width:720px;margin:0 auto}

/* Comparison matrix */
.matrix-wrap{overflow-x:auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow)}
table.matrix{width:100%;border-collapse:collapse;min-width:720px;font-size:.95rem}
table.matrix th{background:var(--teal-dark);color:#fff;padding:1rem .9rem;text-align:left;font-weight:600;font-size:.88rem;letter-spacing:.02em}
table.matrix td{padding:.9rem;border-bottom:1px solid var(--line);vertical-align:middle}
table.matrix tr:last-child td{border-bottom:0}
table.matrix tr:nth-child(even) td{background:#fafaf6}
table.matrix .lender{font-weight:700;color:var(--teal-dark)}
table.matrix .lender a{color:var(--teal-dark)}
table.matrix .amt{white-space:nowrap;color:var(--ink)}
table.matrix .apr{color:var(--warn);font-weight:600}
table.matrix .cta{display:inline-block;background:var(--coral);color:#fff;padding:.4rem .85rem;border-radius:6px;text-decoration:none;font-size:.85rem;font-weight:600}
table.matrix .cta:hover{background:var(--coral-dark);color:#fff}

/* Lender card grid */
.lender-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(290px,1fr));gap:1.2rem}
.lcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.5rem;transition:transform .15s,box-shadow .15s;display:flex;flex-direction:column}
.lcard:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg)}
.lcard h3{margin:0 0 .4rem;font-size:1.2rem}
.lcard .meta{font-size:.82rem;color:var(--muted);margin-bottom:.9rem}
.lcard p{font-size:.93rem;margin-bottom:1rem;flex-grow:1}
.lcard .lfoot{display:flex;justify-content:space-between;align-items:center}
.lcard .lfoot a{color:var(--teal);font-weight:600;text-decoration:none;font-size:.9rem}
.lcard .lfoot a:hover{color:var(--coral-dark)}
.lcard .score{background:var(--cream-dark);padding:.3rem .65rem;border-radius:6px;font-size:.78rem;font-weight:700;color:var(--teal-dark)}

/* Content pages */
main.article{max-width:820px;margin:0 auto;padding:2.5rem 1.25rem 4rem}
main.article h1{margin-bottom:.3em}
main.article .published{color:var(--muted);font-size:.9rem;margin-bottom:2rem;padding-bottom:1.2rem;border-bottom:1px solid var(--line)}
main.article .published strong{color:var(--ink)}
main.article ul,main.article ol{margin:0 0 1.2em;padding-left:1.4em}
main.article li{margin-bottom:.4em}
main.article blockquote{border-left:4px solid var(--coral);background:#fff;padding:1rem 1.3rem;margin:1.5rem 0;border-radius:0 var(--radius) var(--radius) 0;color:var(--ink-soft);box-shadow:var(--shadow)}
main.article .callout{background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);padding:1.2rem 1.4rem;border-radius:var(--radius);margin:1.5rem 0}
main.article .callout.warn{border-left-color:var(--coral)}
main.article .callout h4{margin-top:0}
main.article .toc{background:#fff;border:1px solid var(--line);padding:1.2rem 1.4rem;border-radius:var(--radius);margin:1.5rem 0}
main.article .toc h4{margin-top:0;color:var(--teal-dark);font-family:'Source Serif 4',serif}
main.article .toc ul{list-style:none;padding:0;margin:0}
main.article .toc li{margin:.3em 0}

/* Tables */
.data-table{width:100%;border-collapse:collapse;margin:1.5rem 0;background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);font-size:.93rem}
.data-table th{background:var(--teal);color:#fff;padding:.8rem;text-align:left;font-weight:600}
.data-table td{padding:.75rem;border-bottom:1px solid var(--line)}
.data-table tr:last-child td{border:0}

/* APR disclosure box */
.apr-box{background:#fff5ea;border:1px solid #f4d9b3;border-radius:var(--radius);padding:1.1rem 1.3rem;margin:1.5rem 0;font-size:.9rem;color:var(--ink-soft)}
.apr-box strong{color:var(--warn)}

/* FAQ accordion */
.faq-item{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:.8rem;padding:1.1rem 1.3rem}
.faq-item summary{font-weight:700;color:var(--teal-dark);cursor:pointer;font-family:'Source Serif 4',serif;font-size:1.05rem}
.faq-item[open] summary{color:var(--coral-dark);margin-bottom:.8rem}
.faq-item p{margin:.6rem 0 0}

/* Apply embed */
.apply-shell{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.5rem;box-shadow:var(--shadow);margin:2rem auto;max-width:760px}
#_lg_form_{min-height:280px}

/* Trust row */
.trust-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:1.5rem;margin:2rem 0}
.trust-item{text-align:center;padding:1rem}
.trust-item .num{font-family:'Source Serif 4',serif;font-size:2.4rem;font-weight:700;color:var(--coral);line-height:1}
.trust-item .lbl{color:var(--muted);font-size:.9rem;margin-top:.3rem}

/* Footer */
footer.site{background:var(--teal-dark);color:#cfe3e3;padding:3rem 0 1.5rem;font-size:.92rem}
footer.site .fbrand{margin-bottom:2rem}
footer.site .fbrand h4{
  color:#fff;
  font-family:'Source Serif 4','Source Serif Pro',Georgia,serif;
  font-size:1.6rem;
  text-transform:none;
  letter-spacing:-.015em;
  margin:0;
  font-weight:700;
  line-height:1;
}
footer.site .fbrand h4 .accent{color:var(--coral);position:relative}
footer.site .fbrand h4 .accent::after{
  content:"";
  position:absolute;
  left:0;right:0;bottom:-.08em;
  height:.18em;
  background:rgba(255,107,91,.28);
  z-index:-1;
  border-radius:2px;
}
footer.site .fgrid{display:grid;grid-template-columns:repeat(5,1fr);gap:1.8rem;margin-bottom:2rem}
footer.site h4{color:#fff;font-family:'Manrope',sans-serif;font-size:.78rem;text-transform:uppercase;letter-spacing:.09em;margin-bottom:.9rem}
footer.site a{color:#cfe3e3;text-decoration:none;display:block;padding:.18rem 0;font-size:.88rem}
footer.site a:hover{color:var(--coral)}
footer.site .fbot{border-top:1px solid #1a5f5f;padding-top:1.3rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem;font-size:.82rem;color:#9bbcbc}
footer.site .fbot a{display:inline;padding:0}
footer.site .disc{max-width:900px;margin:1.5rem auto 0;font-size:.8rem;color:#9bbcbc;line-height:1.55;padding:1rem;background:rgba(0,0,0,.18);border-radius:var(--radius)}

@media(max-width:1050px){footer.site .fgrid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:720px){footer.site .fgrid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:480px){footer.site .fgrid{grid-template-columns:1fr}}

/* Buttons */
.btn-row{display:flex;gap:.8rem;flex-wrap:wrap;margin:1.5rem 0}

/* Editorial Team / Trust pillars */
section#editorial-team{
  position:relative;
  background:
    linear-gradient(135deg, rgba(8,53,53,0.86) 0%, rgba(13,79,79,0.78) 50%, rgba(8,53,53,0.90) 100%),
    image-set(url('../images/bg/editorial-team.webp') type('image/webp'),
              url('../images/bg/editorial-team.jpg') type('image/jpeg')) center/cover no-repeat;
  color:#fff;
  border-top:none;
  border-bottom:none;
}
section#editorial-team::before{
  content:"";
  position:absolute;
  inset:0;
  background:radial-gradient(ellipse at 20% 30%, rgba(255,107,91,0.08) 0%, transparent 50%);
  pointer-events:none;
}
section#editorial-team .container{position:relative;z-index:1}
section#editorial-team .sec-title h2{color:#fff}
section#editorial-team .sec-title p{color:#cfe3e3}
section#editorial-team .sec-title .eyebrow{color:var(--coral)}
section#editorial-team .ed-meta{background:rgba(255,255,255,0.97)}
section#editorial-team .tb-item{background:rgba(255,255,255,0.95);border-color:rgba(255,255,255,0.2)}

.ed-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem;margin-top:2rem}
.ed-pillar{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.6rem 1.4rem;box-shadow:var(--shadow);transition:transform .15s}
.ed-pillar:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg)}
.ed-pillar .num{font-family:'Source Serif 4',serif;font-size:2.4rem;font-weight:700;color:var(--coral);line-height:1;margin-bottom:.5rem}
.ed-pillar .ic{width:44px;height:44px;border-radius:10px;background:rgba(255,107,91,.12);color:var(--coral-dark);display:grid;place-items:center;font-family:'Source Serif 4',serif;font-weight:700;font-size:1.3rem;margin-bottom:.9rem}
.ed-pillar h3{font-family:'Manrope',sans-serif;font-size:1.02rem;margin:0 0 .5rem;color:var(--teal-dark);font-weight:700}
.ed-pillar p{font-size:.9rem;color:var(--muted);margin:0;line-height:1.55}
.ed-meta{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.5rem 1.8rem;margin-top:2rem;display:flex;gap:1.5rem;align-items:center;flex-wrap:wrap;justify-content:space-between}
.ed-meta .txt{flex:1;min-width:260px}
.ed-meta h4{margin:0 0 .3rem;font-family:'Source Serif 4',serif;font-size:1.15rem;color:var(--teal-dark)}
.ed-meta p{margin:0;color:var(--muted);font-size:.92rem}
@media(max-width:900px){.ed-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:500px){.ed-grid{grid-template-columns:1fr}}

/* User reports (aggregated public sentiment) */
.user-quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:1.3rem;margin-top:1.5rem}
.quote-card{background:#fff;border:1px solid var(--line);border-left:4px solid var(--coral);padding:1.4rem 1.5rem;border-radius:0 var(--radius-lg) var(--radius-lg) 0;box-shadow:var(--shadow);display:flex;flex-direction:column}
.quote-card .theme{font-size:.78rem;font-weight:700;color:var(--coral-dark);text-transform:uppercase;letter-spacing:.05em;margin-bottom:.6rem}
.quote-card blockquote{margin:0 0 1rem;color:var(--ink-soft);font-size:.95rem;line-height:1.55;font-style:normal;flex-grow:1}
.quote-card .source{font-size:.78rem;color:var(--muted);padding-top:.7rem;border-top:1px dashed var(--line)}
.quote-card .source strong{color:var(--ink)}
@media(max-width:900px){.user-quotes{grid-template-columns:1fr}}

.quote-disclaimer{background:#fff;border:1px dashed var(--line);border-radius:var(--radius);padding:.9rem 1.2rem;margin-top:1.5rem;font-size:.85rem;color:var(--muted);text-align:center}

/* Homepage FAQ */
.faq-preview{max-width:860px;margin:0 auto}
.faq-preview .faq-item{box-shadow:var(--shadow)}
.faq-preview .see-all{text-align:center;margin-top:1.8rem}

/* Trust badges row */
.trust-badges{display:flex;gap:.8rem;flex-wrap:wrap;justify-content:center;margin-top:1.5rem}
.tb-item{display:inline-flex;align-items:center;gap:.5rem;background:#fff;padding:.55rem 1rem;border-radius:999px;border:1px solid var(--line);font-size:.82rem;color:var(--ink-soft);font-weight:500}
.tb-item .dot{width:8px;height:8px;border-radius:50%;background:var(--ok)}

/* Section heading accent */
.sec-title .eyebrow{display:inline-block;color:var(--coral-dark);font-weight:700;font-size:.78rem;text-transform:uppercase;letter-spacing:.09em;margin-bottom:.5rem}

/* Hero byline — E-E-A-T freshness signal under H1 */
.hero-byline{display:flex;flex-wrap:wrap;align-items:center;gap:.5rem .9rem;font-size:.82rem;color:var(--muted);margin:0 0 1rem}
.hero-byline .rv{color:var(--teal-dark);font-weight:700}
.hero-byline .sep{color:var(--line)}

/* How to Choose — numbered criteria */
.choose-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.3rem;margin-top:2rem;counter-reset:choose}
.choose-item{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.5rem 1.6rem;box-shadow:var(--shadow);position:relative;counter-increment:choose}
.choose-item::before{content:counter(choose);position:absolute;top:-14px;left:1.5rem;width:34px;height:34px;border-radius:50%;background:var(--coral);color:#fff;font-family:'Source Serif 4',serif;font-weight:700;font-size:1.05rem;display:grid;place-items:center;box-shadow:0 2px 6px rgba(255,107,91,.3)}
.choose-item h3{margin:.7rem 0 .5rem;font-family:'Manrope',sans-serif;font-size:1.03rem;font-weight:700;color:var(--teal-dark)}
.choose-item p{margin:0;font-size:.92rem;color:var(--ink-soft);line-height:1.6}
.choose-item p + p{margin-top:.6rem}
.choose-item .tip{display:block;margin-top:.7rem;padding-top:.7rem;border-top:1px dashed var(--line);font-size:.85rem;color:var(--muted)}
.choose-item .tip b{color:var(--teal-dark)}

/* Alternatives — cheaper-first responsible lending block */
.alt-wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:2rem;margin-top:2rem;align-items:start}
.alt-wrap > *{min-width:0}
@media(max-width:860px){.alt-wrap{grid-template-columns:1fr}}
.alt-table{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow);font-size:.92rem}
.alt-table th{background:var(--teal-dark);color:#fff;padding:.85rem .9rem;text-align:left;font-weight:600;font-size:.85rem;letter-spacing:.02em}
.alt-table td{padding:.8rem .9rem;border-bottom:1px solid var(--line);vertical-align:top}
.alt-table tr:last-child td{border-bottom:0}
.alt-table tr:nth-child(even) td{background:#fafaf6}
.alt-table td:first-child{font-weight:700;color:var(--teal-dark)}
.alt-table .cheap{color:var(--ok);font-weight:700;white-space:nowrap}
.notfor{background:#fff;border:1px solid var(--line);border-left:4px solid var(--coral);border-radius:0 var(--radius-lg) var(--radius-lg) 0;padding:1.5rem 1.7rem;box-shadow:var(--shadow)}
.notfor h3{margin:0 0 .8rem;font-family:'Source Serif 4',serif;font-size:1.2rem;color:var(--teal-dark)}
.notfor ul{list-style:none;padding:0;margin:0}
.notfor li{position:relative;padding-left:1.5rem;margin-bottom:.7rem;font-size:.93rem;color:var(--ink-soft);line-height:1.55}
.notfor li::before{content:"";position:absolute;left:0;top:.5em;width:9px;height:9px;border-radius:2px;background:var(--coral);transform:rotate(45deg)}
.notfor li:last-child{margin-bottom:0}

/* Topic hub — grouped internal link clusters */
.hub-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(290px,1fr));gap:1.3rem;margin-top:2rem}
.hub-col{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.5rem 1.6rem;box-shadow:var(--shadow);transition:box-shadow .15s}
.hub-col:hover{box-shadow:var(--shadow-lg)}
.hub-col h3{margin:0 0 .3rem;font-family:'Source Serif 4',serif;font-size:1.15rem;color:var(--teal-dark)}
.hub-col .hint{font-size:.82rem;color:var(--muted);margin:0 0 1rem}
.hub-col ul{list-style:none;padding:0;margin:0}
.hub-col li{margin:.5rem 0;font-size:.93rem;line-height:1.45}
.hub-col li a{color:var(--teal);text-decoration:none;font-weight:600}
.hub-col li a:hover{color:var(--coral-dark);text-decoration:underline}
.hub-col li .d{display:block;color:var(--muted);font-size:.82rem;font-weight:400;margin-top:.1rem}

/* Red Flags */
.flag-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.2rem;margin-top:2rem}
.flag-card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--danger);border-radius:var(--radius-lg);padding:1.4rem 1.5rem;box-shadow:var(--shadow);display:flex;flex-direction:column}
.flag-card h3{margin:0 0 .5rem;font-family:'Manrope',sans-serif;font-size:1rem;font-weight:700;color:var(--danger);display:flex;align-items:flex-start;gap:.5rem;line-height:1.35}
.flag-card h3::before{content:"!";flex:0 0 20px;width:20px;height:20px;border-radius:50%;background:var(--danger);color:#fff;font-size:.78rem;font-weight:700;display:grid;place-items:center;margin-top:1px}
.flag-card p{margin:0;font-size:.9rem;color:var(--ink-soft);line-height:1.55;flex-grow:1}
.flag-card .ok{margin-top:.8rem;padding-top:.7rem;border-top:1px dashed var(--line);font-size:.85rem;color:var(--ok)}
.flag-card .ok b{color:var(--ok)}
.flag-note{background:#fff;border:1px dashed var(--line);border-radius:var(--radius);padding:1rem 1.3rem;margin-top:1.6rem;font-size:.88rem;color:var(--muted);text-align:center}
.flag-note a{color:var(--teal);font-weight:600}

/* Quick-compare matrix (homepage variant — lighter than pillar's full matrix) */
.qc-foot{display:flex;flex-wrap:wrap;gap:1rem;justify-content:space-between;align-items:center;margin-top:1.2rem}
.qc-foot .note{font-size:.85rem;color:var(--muted);max-width:620px}

/* ===== Responsive hardening ===== */
/* Grid/flex children must be allowed to shrink or wide content blows the layout out */
.lender-grid > *,.ed-grid > *,.choose-grid > *,.hub-grid > *,.flag-grid > *,
.user-quotes > *,.trust-row > *,.glance-grid > *,.fgrid > *{min-width:0}
img,svg,video{max-width:100%;height:auto}
/* Long unbroken strings (emails, URLs) must not force a scrollbar */
p,li,td,th,h1,h2,h3,h4,blockquote,summary{overflow-wrap:break-word}

/* Any table that can exceed the viewport scrolls inside its own box */
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:var(--radius-lg);box-shadow:var(--shadow);background:#fff}
.table-scroll > table{margin:0;box-shadow:none;border-radius:0;min-width:520px}
.table-scroll::-webkit-scrollbar,.matrix-wrap::-webkit-scrollbar{height:8px}
.table-scroll::-webkit-scrollbar-thumb,.matrix-wrap::-webkit-scrollbar-thumb{background:var(--line);border-radius:4px}

/* Scroll affordance: a fade on the right edge while there is more table to see.
   background-attachment:local pins the shadow layers to the content, so the fade
   disappears once the user reaches the end — no JS needed. */
.table-scroll,.matrix-wrap{
  background-image:
    linear-gradient(to right,#fff 30%,rgba(255,255,255,0)),
    linear-gradient(to right,rgba(255,255,255,0),#fff 70%),
    linear-gradient(to right,rgba(13,79,79,.14),rgba(13,79,79,0)),
    linear-gradient(to left,rgba(13,79,79,.14),rgba(13,79,79,0));
  background-position:0 0,100% 0,0 0,100% 0;
  background-repeat:no-repeat;
  background-size:28px 100%,28px 100%,12px 100%,12px 100%;
  background-attachment:local,local,scroll,scroll;
}
/* Tell people the table scrolls, but only on touch where there is no visible scrollbar */
.scroll-hint{display:none}
@media(pointer:coarse){
  .scroll-hint{display:block;font-size:.78rem;color:var(--muted);margin:.5rem 0 0;text-align:right}
}

/* ===== Accessibility quality floor ===== */
:focus-visible{outline:3px solid var(--coral);outline-offset:2px;border-radius:3px}
.cta-btn:focus-visible,.brand:focus-visible{outline-offset:3px}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  html{scroll-behavior:auto}
}

/* ===== Touch target sizing ===== */
/* Collapsed nav (phones and small tablets) */
@media(max-width:860px){
  .menu-toggle{min-width:44px;min-height:44px;display:grid;place-items:center;font-size:1.6rem}
  nav.main{padding:.5rem 1.25rem 1rem}
  nav.main a{display:block;width:100%;padding:.8rem 0;font-size:1rem;border-bottom:1px solid var(--line)}
  nav.main a:last-of-type{border-bottom:0}
  nav.main a.cta-btn{text-align:center;margin-top:.6rem;padding:.85rem 1.2rem;border-bottom:0}
}
/* Any touch device, including tablets in landscape where the nav stays horizontal.
   Keyed on pointer type rather than width, since a 1024px tablet still needs 44px targets. */
@media(pointer:coarse){
  .cta-btn{padding:.8rem 1.3rem}
  nav.main a{padding-top:.7rem;padding-bottom:.7rem}
  footer.site a{padding:.45rem 0}
  main.article .toc li a,.legal-toc li a{display:inline-block;padding:.3rem 0}
  table.matrix .cta{padding:.6rem 1rem}
  .lcard .lfoot a,.hub-col li a{display:inline-block;padding:.25rem 0}
}

/* ===== Mobile layout polish ===== */
@media(max-width:600px){
  body{font-size:16px}
  section{padding:2.2rem 0}
  .container{padding:0 1rem}
  h2{margin-top:1.4em}
  .sec-title{margin-bottom:1.4rem}
  .hero-form{padding:1.2rem 1.1rem 1rem}
  .hero-benefits li{font-size:.9rem}
  .choose-item,.hub-col,.flag-card,.ed-pillar,.notfor{padding:1.2rem 1.15rem}
  .ed-meta{padding:1.2rem 1.15rem;gap:1rem}
  .alt-table,.rights-table{font-size:.86rem}
  .alt-table th,.alt-table td,.rights-table th,.rights-table td{padding:.6rem .55rem}
  main.article{padding:1.8rem 1rem 3rem}
  .legal-wrap{padding:1.8rem 1rem 3rem}
  .btn-row .cta-btn{flex:1 1 100%;text-align:center}
  .qc-foot{flex-direction:column;align-items:stretch}
  .qc-foot .cta-btn{text-align:center}
}

/* ===== Floating Apply Now button ===== */
.apply-fab{
  position:fixed;
  right:1.1rem;
  bottom:calc(1.1rem + env(safe-area-inset-bottom,0px));
  z-index:900;
  display:inline-flex;align-items:center;gap:.5rem;
  background:var(--coral);color:#fff!important;
  font-family:'Manrope',sans-serif;font-weight:700;font-size:.95rem;
  padding:.85rem 1.4rem;border-radius:999px;
  text-decoration:none!important;
  box-shadow:0 6px 20px rgba(224,74,58,.38),0 2px 6px rgba(0,0,0,.12);
  border:0;cursor:pointer;
  opacity:0;visibility:hidden;transform:translateY(12px);
  transition:opacity .22s ease,transform .22s ease,visibility .22s,background .15s;
}
.apply-fab.is-visible{opacity:1;visibility:visible;transform:translateY(0)}
.apply-fab:hover{background:var(--coral-dark);color:#fff!important}
.apply-fab:focus-visible{outline:3px solid var(--teal-dark);outline-offset:3px}
.apply-fab .ic{display:inline-grid;place-items:center;width:18px;height:18px;border-radius:50%;background:rgba(255,255,255,.22);font-size:.7rem;line-height:1}
@media(max-width:600px){
  .apply-fab{right:.85rem;bottom:calc(.85rem + env(safe-area-inset-bottom,0px));padding:.8rem 1.2rem;font-size:.9rem}
}
@media(prefers-reduced-motion:reduce){
  .apply-fab{transition:opacity .01ms,visibility .01ms;transform:none}
  .apply-fab.is-visible{transform:none}
}

/* Utility */
.center{text-align:center}
.mt-2{margin-top:2rem}
.mb-2{margin-bottom:2rem}

/* TOC heading keeps its small visual size while using a correct semantic level */
main.article .toc .toc-title{
  font-family:'Source Serif 4','Source Serif Pro',Georgia,serif;
  font-size:1.05rem;color:var(--teal-dark);margin:0 0 .8rem;font-weight:600;
}

/* Hero form title uses h2 for correct document outline; sizing stays card-scale */
.hero-form h2{margin:0 0 .3rem;font-family:'Source Serif 4','Source Serif Pro',Georgia,serif;font-size:1.25rem;color:var(--teal-dark);line-height:1.25}

/* ===== Content figures (original data visualisations) ===== */
figure.chart{margin:2rem 0;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.1rem;box-shadow:var(--shadow)}
figure.chart img{display:block;width:100%;height:auto;border-radius:var(--radius)}
figure.chart figcaption{margin-top:.9rem;padding-top:.8rem;border-top:1px dashed var(--line);font-size:.86rem;color:var(--muted);line-height:1.55}
figure.chart figcaption b{color:var(--teal-dark)}
@media(max-width:600px){figure.chart{padding:.7rem;margin:1.5rem 0}figure.chart figcaption{font-size:.82rem}}

/* ===== Key takeaways ===== */
.takeaways{background:#fff;border:1px solid var(--line);border-top:4px solid var(--coral);border-radius:var(--radius-lg);padding:1.5rem 1.7rem;box-shadow:var(--shadow);margin:0 0 2rem}
.takeaways .tk-title{font-family:'Manrope',sans-serif;font-size:.8rem;text-transform:uppercase;letter-spacing:.09em;color:var(--coral-dark);margin:0 0 1rem;font-weight:700}
.takeaways ul{list-style:none;padding:0;margin:0}
.takeaways li{position:relative;padding-left:1.7rem;margin-bottom:.75rem;font-size:.96rem;line-height:1.6;color:var(--ink-soft)}
.takeaways li:last-child{margin-bottom:0}
.takeaways li::before{content:"";position:absolute;left:0;top:.52em;width:9px;height:9px;border-radius:50%;background:var(--coral);box-shadow:0 0 0 3px rgba(255,107,91,.18)}
.takeaways li b{color:var(--teal-dark)}
.takeaways .tk-meta{display:flex;gap:1.2rem;flex-wrap:wrap;margin:1.1rem 0 0;padding-top:.9rem;border-top:1px dashed var(--line);font-size:.8rem;color:var(--muted)}
@media(max-width:600px){.takeaways{padding:1.2rem 1.15rem}.takeaways li{font-size:.92rem;padding-left:1.5rem}}

/* ===== Next reads ===== */
.next-reads{margin:3rem 0 0;padding-top:2rem;border-top:1px solid var(--line)}
.next-reads .nr-title{font-family:'Source Serif 4',Georgia,serif;font-size:1.4rem;color:var(--teal-dark);margin:0 0 1.2rem}
.next-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}
.next-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.3rem 1.4rem;box-shadow:var(--shadow);display:flex;flex-direction:column;transition:box-shadow .15s}
.next-card:hover{box-shadow:var(--shadow-lg)}
.next-card .tag{font-size:.72rem;text-transform:uppercase;letter-spacing:.07em;font-weight:700;color:var(--coral-dark);margin:0 0 .5rem}
.next-card h3{font-family:'Source Serif 4',Georgia,serif;font-size:1.05rem;margin:0 0 .4rem;line-height:1.3}
.next-card h3 a{color:var(--teal-dark);text-decoration:none}
.next-card h3 a:hover{color:var(--coral-dark);text-decoration:underline}
.next-card .blurb{font-size:.86rem;color:var(--muted);margin:0 0 .9rem;flex-grow:1;line-height:1.5}
.next-card .read{font-size:.74rem;color:var(--muted);margin:0;padding-top:.5rem;border-top:1px dashed var(--line)}
@media(max-width:860px){.next-grid{grid-template-columns:1fr}}

/* ===== Cost calculator ===== */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);overflow:hidden;margin:2rem 0}
.calc-top{background:var(--teal-dark);color:#fff;padding:1.2rem 1.6rem}
.calc-top h2,.calc-top h3{color:#fff;margin:0 0 .2em;font-size:1.25rem}
.calc-top p{margin:0;font-size:.85rem;color:#9bbcbc}
.calc-body{padding:1.5rem 1.6rem}
.calc-row{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem;margin-bottom:1.3rem}
.calc-field label{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-weight:700;margin-bottom:.4rem}
.calc-field select,.calc-field input{width:100%;padding:.7rem;border:1.5px solid var(--line);border-radius:var(--radius);font-family:'Manrope',sans-serif;font-size:1rem;color:var(--ink);background:#fff}
.calc-field input:focus,.calc-field select:focus{outline:3px solid rgba(255,107,91,.3);outline-offset:0;border-color:var(--coral)}
.calc-out{background:var(--cream);border-radius:var(--radius);padding:1.2rem 1.3rem;display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;text-align:center}
.calc-out .v{font-family:'Source Serif 4',Georgia,serif;font-size:1.9rem;font-weight:700;color:var(--teal-dark);line-height:1;margin:0}
.calc-out .v.hot{color:var(--coral-dark)}
.calc-out .k{font-size:.76rem;color:var(--muted);margin:.3rem 0 0;text-transform:uppercase;letter-spacing:.05em}
.calc-note{margin:1rem 0 0;font-size:.85rem;color:var(--muted);text-align:center;line-height:1.55}
.calc-note b{color:var(--ok)}
.calc-note.warn b{color:var(--coral-dark)}
@media(max-width:700px){.calc-row,.calc-out{grid-template-columns:1fr}.calc-out{text-align:left}.calc-body{padding:1.2rem 1.1rem}}

/* Embed block for the calculator page */
.embed-box{background:var(--teal-dark);border-radius:var(--radius-lg);padding:1.4rem 1.6rem;margin:2rem 0}
.embed-box h3{color:#fff;margin:0 0 .4rem;font-size:1.1rem}
.embed-box p{color:#9bbcbc;font-size:.86rem;margin:0 0 .9rem}
.embed-box textarea{width:100%;min-height:76px;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.78rem;padding:.8rem;border-radius:var(--radius);border:0;background:#0b4040;color:#cfe3e3;resize:vertical;line-height:1.5}

/* Figure provenance notice — pricing in this category moves, so say so */
.fee-notice{background:#fff5ea;border:1px solid #f4d9b3;border-left:4px solid var(--warn);border-radius:0 var(--radius) var(--radius) 0;padding:.9rem 1.2rem;margin:1.5rem 0;font-size:.86rem;color:var(--ink-soft);line-height:1.55}
.fee-notice b{color:var(--warn)}