:root{
  --ink:#0B0F14; --ink-2:#1F2937; --muted:#4B5563; --line:#E3E8EF; --bg:#FFFFFF; --surface:#F5F7FA;
  --blue:#1D4ED8; --blue-dark:#1E3A8A; --blue-tint:#EEF3FF; --green:#15803D; --green-bright:#16A34A; --green-tint:#EAF7EF;
  --radius:16px; --radius-sm:10px; --shadow:0 8px 28px rgba(11,15,20,.10); --shadow-sm:0 2px 10px rgba(11,15,20,.07);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;
  --wrap:1200px; --nav-h:72px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.65;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #60A5FA;outline-offset:2px;border-radius:6px}
h1,h2,h3{line-height:1.2;color:var(--ink);text-wrap:balance;letter-spacing:-.01em}
.wrap{max-width:var(--wrap);margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.skip{position:absolute;left:-9999px;top:8px;z-index:2147483600;background:var(--ink);color:#fff;padding:10px 16px;border-radius:8px}
.skip:focus{left:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 24px;border-radius:999px;font-weight:700;font-size:16px;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .15s,transform .15s}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--blue-dark)}
.btn-green{background:var(--green);color:#fff}
.btn-green:hover{background:#166534}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn-ghost:hover{background:rgba(255,255,255,.12)}

.site-header{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(8px)}
.nav{display:flex;align-items:center;gap:6px;height:var(--nav-h)}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;font-size:19px;letter-spacing:-.02em;margin-right:18px;white-space:nowrap}
.logo svg{width:34px;height:34px;flex:none}
.nav-menu{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0;flex:1}
.nav-menu>li{position:relative}
.nav-link,.dd-btn{display:flex;align-items:center;gap:6px;min-height:44px;padding:0 12px;border-radius:10px;color:var(--ink);font:600 15px/1 var(--font);text-decoration:none;background:none;border:0;cursor:pointer;white-space:nowrap}
.nav-link:hover,.dd-btn:hover,.nav-menu>li:hover>.dd-btn{background:var(--surface);color:var(--blue)}
.nav-link[aria-current=page]{color:var(--blue)}
.dd-btn svg{width:12px;height:12px;transition:transform .15s}
.nav-spacer{flex:1;min-width:40px}
.nav-apply{margin-left:auto}
.nav-apply .btn{min-height:44px;padding:0 22px;font-size:15px}
.dd{position:absolute;left:0;top:100%;margin:0;padding:8px;list-style:none;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);width:max-content;max-width:calc(100vw - 32px);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:5}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.dd a{display:flex;align-items:center;min-height:44px;padding:0 14px;border-radius:9px;color:var(--ink);text-decoration:none;font-weight:600;font-size:15px;white-space:nowrap}
.dd a:hover,.dd a:focus-visible{background:var(--blue-tint);color:var(--blue)}
.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.has-dd:hover .dd-btn svg,.has-dd.open .dd-btn svg{transform:rotate(180deg)}
.menu-toggle{display:none;margin-left:auto;width:48px;height:48px;border-radius:12px;border:1px solid var(--line);background:#fff;cursor:pointer;align-items:center;justify-content:center}
.menu-toggle svg{width:22px;height:22px}
@media (max-width:1100px){.logo{margin-right:6px}.nav-link,.dd-btn{padding:0 9px;font-size:14.5px}}
@media (max-width:980px){
  .menu-toggle{display:inline-flex}
  .nav-panel{display:none;position:absolute;left:0;right:0;top:var(--nav-h);background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow);padding:10px max(16px,env(safe-area-inset-left,0px)) 18px;max-height:calc(100vh - var(--nav-h));overflow:auto}
  .site-header.menu-open .nav-panel{display:block}
  .nav-menu{flex-direction:column;align-items:stretch;gap:2px}
  .nav-spacer{display:none}
  .nav-link,.dd-btn{width:100%;justify-content:space-between;min-height:48px;font-size:16px}
  .dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;padding:0 0 6px 12px;width:auto;max-width:none}
  .dd::before{display:none}
  .has-dd.open>.dd{display:block}
  .has-dd:hover>.dd{visibility:visible}
  .nav-apply{margin:10px 0 0}
  .nav-apply .btn{width:100%;min-height:50px}
}
@media (min-width:981px){.nav-panel{display:flex;align-items:center;flex:1}}

.hero{position:relative;isolation:isolate;overflow:hidden;background:var(--ink);color:#fff;min-height:540px;display:flex;align-items:center}
.hero-trust{min-height:420px}
.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 30%;z-index:-2}
.hero::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(11,15,20,.92) 0%,rgba(11,15,20,.82) 34%,rgba(11,15,20,.45) 62%,rgba(11,15,20,.12) 100%)}
.hero-inner{width:100%;padding-block:56px}
.hero-text{max-width:600px}
.crumbs{font-size:14px;margin:0 0 14px;color:#D6DEE9}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0}
.crumbs li+li::before{content:"/";margin-right:6px;color:#9AA7B8}
.crumbs a{color:#fff;text-decoration:underline;text-underline-offset:3px}
.hero h1{color:#fff;font-size:clamp(30px,4.2vw,48px);margin:0 0 12px}
.updated{display:block;font-size:14px;color:#C9D4E3;margin:0 0 14px}
.hero-sub{font-size:19px;line-height:1.55;color:#E7ECF3;margin:0 0 24px;max-width:560px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px}
.hero-home .hero-home-img{object-position:72% 30%}
.hero-home .hero-text{max-width:500px}
.hero-home h1{font-size:clamp(30px,3.3vw,42px)}
@media (max-width:760px){
  .hero{min-height:500px;align-items:flex-end}
  .hero-trust{min-height:380px}
  .hero::after{background:linear-gradient(180deg,rgba(11,15,20,.55) 0%,rgba(11,15,20,.80) 45%,rgba(11,15,20,.93) 100%)}
  .hero-inner{padding-block:40px 34px}
  .hero-sub{font-size:17px}
  .hero-ctas .btn{flex:1 1 200px}
}

/* form card */
.form-section{background:linear-gradient(180deg,var(--surface),#fff);padding-block:44px}
.form-card{position:relative;z-index:1;isolation:isolate;max-width:1020px;margin:0 auto;background:#fff;border-radius:16px;box-shadow:0 8px 28px rgba(30,58,138,.14);padding:34px 34px 30px;overflow:hidden}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,var(--blue),var(--green-bright))}
.form-card h2{margin:0 0 6px;font-size:26px}
.form-trust{margin:0 0 18px;color:var(--muted);font-size:15px}
.form-embed{position:relative;z-index:1;isolation:isolate;min-height:120px}
@media (max-width:760px){.form-card{padding:26px 16px 20px;border-radius:12px}}
/* section heads */
.band{padding-block:56px}
.band-alt{background:var(--surface)}
.band-head{max-width:760px;margin:0 0 26px}
.band-head h2{font-size:clamp(26px,3vw,34px);margin:0 0 8px}
.band-head p{margin:0;color:var(--muted)}
.band-head .answer-lead{color:var(--ink);font-size:18px;border-left:4px solid var(--green-bright);padding-left:16px;text-wrap:balance}
/* cards */
.grid{display:grid;gap:22px}
.g5{grid-template-columns:repeat(5,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .15s,transform .15s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.card-img{display:block;aspect-ratio:16/10;overflow:hidden;background:var(--surface)}
.card-img img{width:100%;height:100%;object-fit:cover}
.card-body{padding:18px 18px 20px;display:flex;flex-direction:column;gap:8px;flex:1}
.card-body h3{font-size:19px;margin:0}
.card-body h3 a{color:var(--ink);text-decoration:none}
.card-body h3 a:hover{color:var(--blue)}
.card-body p{margin:0;font-size:15px;color:var(--muted);line-height:1.55}
.card-tag{font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--green)}
.card-more{margin-top:auto;font-weight:700;font-size:15px;text-decoration:none}
.term-card{border:1px solid var(--line);border-radius:var(--radius);padding:22px;background:#fff}
.term-card .term{font-size:14px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--green)}
.term-card .pay{font-size:32px;font-weight:800;margin:6px 0 2px;font-variant-numeric:tabular-nums;color:var(--ink)}
.term-card p{margin:0;color:var(--muted);font-size:15px}
.note{font-size:14px;color:var(--muted);margin:14px 0 0}
@media (max-width:1020px){.g5{grid-template-columns:repeat(5,minmax(0,1fr));gap:12px}.g5 .card-body{padding:12px}.g5 .card-body p{display:none}.g4{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}}
@media (max-width:760px){.g5,.g4,.g3,.g2{grid-template-columns:minmax(0,1fr)}.g5 .card-body p{display:block}}
/* layout */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start;padding-block:48px}
.layout-full{max-width:820px;margin:0 auto;padding-block:48px}
.article{min-width:0}
.article>*:first-child{margin-top:0}
.article h2{font-size:clamp(25px,2.6vw,31px);margin:44px 0 12px;scroll-margin-top:calc(var(--nav-h) + 18px)}
.article h3{font-size:21px;margin:28px 0 8px;scroll-margin-top:calc(var(--nav-h) + 18px)}
.article p,.article li{color:var(--ink-2)}
.article ul,.article ol{padding-left:1.3em}
.article li{margin:6px 0}
.article .answer-lead{font-size:18.5px;line-height:1.6;color:var(--ink);text-wrap:balance;border-left:4px solid var(--green-bright);padding:4px 0 4px 16px;margin:0 0 16px}
.byline{display:flex;flex-wrap:wrap;gap:6px 18px;align-items:center;font-size:15px;color:var(--muted);margin:0 0 22px;padding-bottom:18px;border-bottom:1px solid var(--line)}
.byline strong{color:var(--ink)}
.toc{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px 22px;margin:0 0 30px}
.toc p{margin:0 0 8px;font-weight:800;font-size:15px;letter-spacing:.04em;text-transform:uppercase;color:var(--muted)}
.toc ol{margin:0;padding-left:1.2em;columns:2;column-gap:32px}
.toc li{margin:4px 0;font-size:15.5px;break-inside:avoid}
.toc a{text-decoration:none}
.toc a:hover{text-decoration:underline}
@media (max-width:760px){.toc ol{columns:1}}
.body-img{margin:34px auto;max-width:440px;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.body-img img{width:100%;height:auto}
.table-wrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:12px}
.article table{width:100%;border-collapse:collapse;font-size:15.5px;min-width:520px}
.lender-table table{font-size:14.5px;min-width:900px}
.lender-table th,.lender-table td{padding:10px 12px}
.band .article .band-head h2{margin-top:0}
.article caption{text-align:left;padding:12px 14px;font-weight:700;color:var(--muted);font-size:14px}
.article th,.article td{padding:11px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.article thead th{background:var(--blue-tint);color:var(--blue-dark);font-size:14.5px}
.article tbody tr:last-child td{border-bottom:0}
.article td{font-variant-numeric:tabular-nums}
.faq-sec{margin-top:48px;border-top:1px solid var(--line);padding-top:8px}
.faq-item{border-bottom:1px solid var(--line);padding:4px 0 10px}
.faq-item h3{font-size:19px;margin:18px 0 6px}
.faq-item p{margin:0}
.share{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin:34px 0 0;padding-top:20px;border-top:1px solid var(--line)}
.share span{font-weight:700;margin-right:4px}
.share a,.share button{display:inline-flex;align-items:center;min-height:44px;padding:0 16px;border-radius:999px;border:1px solid var(--line);background:#fff;color:var(--ink);font:600 14px var(--font);text-decoration:none;cursor:pointer}
.share a:hover,.share button:hover{border-color:var(--blue);color:var(--blue)}
.author-box{display:grid;gap:4px;margin:30px 0 0;padding:20px 22px;border-radius:var(--radius);background:var(--surface);border:1px solid var(--line)}
.author-box p{margin:0}
.author-name{font-weight:800}
.related{margin-top:44px}
.related .g2{margin-top:14px}
/* sidebar */
.sidebar{display:flex;flex-direction:column;gap:18px}
.sb{border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;background:#fff}
.sb-title{margin:0 0 10px;font-weight:800;font-size:16.5px;color:var(--ink);line-height:1.3}
.sb p{margin:0 0 8px;font-size:15px;color:var(--ink-2);line-height:1.55}
.sb ul,.sb ol{margin:0;padding-left:1.15em;font-size:15px;line-height:1.5}
.sb li{margin:6px 0}
.sb-links{list-style:none;padding:0!important}
.sb-links li{margin:0}
.sb-links a{display:flex;align-items:center;min-height:40px;padding:4px 0;text-decoration:none;color:var(--ink);font-weight:600;border-bottom:1px dashed var(--line)}
.sb-links li:last-child a{border-bottom:0}
.sb-links a:hover{color:var(--blue)}
.sb table{width:100%;border-collapse:collapse;font-size:14.5px}
.sb th,.sb td{padding:6px 4px;border-bottom:1px solid var(--line);text-align:left;font-variant-numeric:tabular-nums}
.sb-cta{background:linear-gradient(160deg,var(--ink) 0%,#16233D 100%);border:0;color:#fff}
.sb-cta .sb-title,.sb-cta p{color:#fff}
.sb-cta p{color:#D6DEE9}
.sb .btn{width:100%;margin-top:6px}
.sb-sticky{position:sticky;top:calc(var(--nav-h) + 18px)}
.sb-rating{display:flex;align-items:baseline;gap:8px}
.sb-rating b{font-size:34px;line-height:1}
.stars{color:#B45309;letter-spacing:2px;font-size:17px}
.sb-small{font-size:13.5px!important;color:var(--muted)!important}
@media (max-width:1020px){.layout{grid-template-columns:minmax(0,1fr);gap:32px}.box-x{display:none}.sb-sticky{position:static}}
/* calculator */
.calc{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:26px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px}
.calc label{display:block;font-weight:700;margin:0 0 6px}
.calc .field{margin:0 0 20px}
.calc input[type=range]{width:100%;accent-color:var(--blue);min-height:32px}
.calc select,.calc input[type=number]{width:100%;min-height:48px;border:1px solid #C9D2DE;border-radius:10px;padding:0 12px;font:inherit;background:#fff}
.calc-val{font-weight:800;color:var(--blue)}
.calc-out{background:var(--blue-tint);border-radius:14px;padding:22px;display:flex;flex-direction:column;gap:12px}
.calc-out .big{font-size:42px;font-weight:800;line-height:1;font-variant-numeric:tabular-nums;color:var(--blue-dark)}
.calc-out dl{margin:0;display:grid;grid-template-columns:1fr auto;gap:8px 12px;font-size:15.5px}
.calc-out dt{color:var(--muted)}
.calc-out dd{margin:0;font-weight:700;text-align:right;font-variant-numeric:tabular-nums}
@media (max-width:760px){.calc{grid-template-columns:minmax(0,1fr);padding:20px 16px}}
/* reviews */
.rating-sum{display:flex;flex-wrap:wrap;gap:28px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 28px;margin:0 0 26px}
.rating-sum .score{font-size:56px;font-weight:800;line-height:1}
.rating-sum p{margin:0;color:var(--muted)}
.review{border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:#fff;display:flex;flex-direction:column;gap:8px}
.review h3{font-size:17.5px;margin:0}
.review p{margin:0;font-size:15.5px;color:var(--ink-2);line-height:1.6}
.review .who{font-size:14px;color:var(--muted);margin-top:auto}
.illus{font-size:14px;color:var(--muted);margin:0 0 16px}
/* lenders */
.lender{border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;background:#fff}
.lender h3{scroll-margin-top:calc(var(--nav-h) + 18px)}
.lender h3{margin:0 0 6px}
.lender .facts{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 10px;padding:0;list-style:none}
.lender .facts li{margin:0;font-size:13.5px;background:var(--surface);border-radius:999px;padding:4px 12px;color:var(--ink-2)}
.lender p{margin:0}
/* glossary */
.terms dt{font-weight:800;font-size:18px;margin:22px 0 4px;scroll-margin-top:calc(var(--nav-h) + 18px)}
.terms dd{margin:0;color:var(--ink-2)}
.az,.article .az{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 20px;padding:0;list-style:none}
.az a{display:inline-flex;align-items:center;min-height:44px;padding:0 14px;border-radius:999px;background:var(--surface);text-decoration:none;font-weight:700}
/* contact / sitemap */
.nap{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:24px 0}
.nap div{border:1px solid var(--line);border-radius:var(--radius);padding:18px;overflow-wrap:anywhere;min-width:0}
.nap b{display:block;margin-bottom:4px}
@media (max-width:760px){.nap{grid-template-columns:minmax(0,1fr)}}
.sitemap-list{columns:2;column-gap:40px}
.sitemap-list section{break-inside:avoid;margin:0 0 22px}
.sitemap-list h2{font-size:22px;margin:0 0 8px}
.sitemap-list ul{margin:0;padding-left:1.2em}
@media (max-width:760px){.sitemap-list{columns:1}}
/* CTA zone */
.cta-zone{background:linear-gradient(120deg,var(--blue-dark) 0%,var(--blue) 60%,#1D6FD8 100%);color:#fff;padding-block:52px}
.cta-zone .wrap{display:flex;flex-wrap:wrap;gap:22px;align-items:center;justify-content:space-between}
.cta-zone h2{color:#fff;margin:0 0 6px;font-size:clamp(25px,3vw,32px)}
.cta-zone p{margin:0;color:#DCE6FB;max-width:640px}
.cta-zone .btn{background:#fff;color:var(--blue-dark)}
.cta-zone .btn:hover{background:var(--green-tint)}
/* footer */
.footer{background:var(--ink);color:#C9D2DE;font-size:15px}
.footer-photo{height:200px;overflow:hidden;position:relative}
.footer-photo img{width:100%;height:100%;object-fit:cover;object-position:center 55%;opacity:.85}
.footer-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(11,15,20,.2),var(--ink))}
.footer-top{display:grid;grid-template-columns:1.3fr repeat(4,minmax(0,1fr));gap:32px;padding-block:40px 30px}
.footer .logo{color:#fff;margin:0 0 14px}
.footer .logo svg{border-radius:8px;box-shadow:0 0 0 1px #334155}
.footer address{font-style:normal;line-height:1.7}
.footer a{color:#E6ECF4;text-decoration:none}
.footer a:hover{color:#fff;text-decoration:underline}
.f-title{color:#fff;font-weight:800;margin:0 0 10px;font-size:15.5px}
.footer ul{list-style:none;margin:0;padding:0}
.footer li a{display:inline-flex;align-items:center;min-height:36px}
.disclosure{border-top:1px solid #243041;padding-block:24px;font-size:13.5px;line-height:1.65;color:#AEB9C8}
.disclosure p{margin:0 0 10px}
.copy{border-top:1px solid #243041;padding-block:18px;font-size:13.5px;color:#93A0B2;display:flex;flex-wrap:wrap;gap:10px;justify-content:space-between}
@media (max-width:1020px){.footer-top{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-brand{grid-column:1/-1}}
@media (max-width:520px){.footer-top{grid-template-columns:minmax(0,1fr)}}
.to-top{position:fixed;right:calc(18px + env(safe-area-inset-right,0px));bottom:calc(18px + env(safe-area-inset-bottom,0px));width:48px;height:48px;border-radius:50%;border:0;background:var(--blue);color:#fff;box-shadow:var(--shadow);cursor:pointer;display:flex;align-items:center;justify-content:center;opacity:0;visibility:hidden;transition:opacity .2s,visibility .2s;z-index:2147482000}
.to-top.show{opacity:1;visibility:visible}
.to-top svg{width:20px;height:20px}
.err-links{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 0}