/* =========================================================
   AlphaeonCreditPayments.com — Design system v8 "Pine & Pearl"
   Fonts: Geist (UI/display) · Geist Mono (labels) · Newsreader italic (accents)
   ========================================================= */
:root{
  --ink:#0B1411; --ink-2:#26322D; --mute:#5D6A65; --mute-2:#8A9690;
  --line:#E2E8E4; --line-2:#D3DCD7;
  --pearl:#F5F7F4; --pearl-2:#EDF1EE; --white:#FFFFFF;
  --pine:#0E4436; --pine-2:#0A3429; --pine-3:#072920; --pine-4:#05201A;
  --leaf:#17855F; --mint:#DDF5E8; --mint-2:#BDEBD3; --glow:#7DF0B6;
  --apricot:#FFB48C; --apricot-t:#FFF2EA; --apricot-d:#B2532A;
  --rose:#D9445A; --rose-t:#FDEDEF;
  --sky-t:#ECF3FB;
  --r-sm:12px; --r:20px; --r-lg:28px; --r-xl:36px;
  --sh-1:0 1px 2px rgba(11,20,17,.04), 0 1px 1px rgba(11,20,17,.03);
  --sh-2:0 18px 40px -18px rgba(11,20,17,.18), 0 2px 6px rgba(11,20,17,.04);
  --sh-3:0 30px 70px -30px rgba(7,41,32,.45);
  --f-sans:"Geist", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --f-mono:"Geist Mono", ui-monospace, SFMono-Regular, Menlo, monospace;
  --f-serif:"Newsreader", "Iowan Old Style", Georgia, serif;
  --wrap:1200px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:92px;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--f-sans);font-size:16.5px;line-height:1.62;color:var(--ink-2);background:var(--white);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img,svg{display:block;max-width:100%}
a{color:var(--pine);text-decoration:none}
a:hover{color:var(--leaf)}
p{margin:0 0 1em}
h1,h2,h3,h4{color:var(--ink);font-weight:600;letter-spacing:-.025em;line-height:1.1;margin:0}
h2{font-size:clamp(2rem,3.6vw,3.05rem);letter-spacing:-.035em;line-height:1.04}
h3{font-size:1.22rem;letter-spacing:-.015em;line-height:1.25}
h1 em,h2 em,h3 em,.serif{font-family:var(--f-serif);font-style:italic;font-weight:400;letter-spacing:-.01em}
ul,ol{margin:0;padding:0}
button{font:inherit;color:inherit}
:focus-visible{outline:2.5px solid var(--leaf);outline-offset:3px;border-radius:6px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.mono{font-family:var(--f-mono)}
.nowrap{white-space:nowrap}
.ico{width:20px;height:20px;flex:none;stroke:currentColor;fill:none;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55em;height:50px;padding:0 22px;border-radius:999px;font-weight:550;font-size:15.5px;letter-spacing:-.005em;border:1px solid transparent;cursor:pointer;transition:transform .18s ease, background .18s ease, box-shadow .18s ease, color .18s ease;white-space:nowrap}
.btn .ico{width:18px;height:18px;transition:transform .18s ease}
.btn:hover .ico.go{transform:translateX(3px)}
.btn-pine{background:var(--pine);color:#fff;box-shadow:0 10px 24px -12px rgba(14,68,54,.7), inset 0 1px 0 rgba(255,255,255,.12)}
.btn-pine:hover{background:var(--pine-2);color:#fff;transform:translateY(-1px)}
.btn-line{background:#fff;color:var(--ink);border-color:var(--line-2)}
.btn-line:hover{border-color:var(--ink);color:var(--ink)}
.btn-glow{background:var(--glow);color:var(--pine-4);box-shadow:0 12px 30px -14px rgba(125,240,182,.8)}
.btn-glow:hover{background:#9AF5C7;color:var(--pine-4);transform:translateY(-1px)}
.btn-ghost{background:rgba(255,255,255,.06);color:#fff;border-color:rgba(255,255,255,.22)}
.btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.btn-sm{height:42px;padding:0 18px;font-size:14.5px}
.tlink{display:inline-flex;align-items:center;gap:.4em;font-weight:550;color:var(--pine)}
.tlink .ico{width:17px;height:17px;transition:transform .18s}
.tlink:hover .ico{transform:translateX(3px)}

/* ---------- Eyebrow / section head ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:var(--f-mono);font-size:12px;font-weight:500;letter-spacing:.12em;text-transform:uppercase;color:var(--leaf);margin-bottom:18px}
.eyebrow::before{content:"";width:8px;height:8px;border-radius:2px;background:currentColor}
.eyebrow b{font-weight:500;color:var(--mute-2);margin-right:4px}
.sec{padding:112px 0}
.sec.tight{padding:88px 0}
.sec-head{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:48px;align-items:end;margin-bottom:56px}
.sec-head .sec-lead{font-size:1.08rem;color:var(--mute);margin:0}
.sec-head .sec-lead a{font-weight:550}
.bg-pearl{background:var(--pearl)}

/* ---------- Top notice + header ---------- */
.notice{background:var(--pine-4);color:rgba(255,255,255,.78);font-size:13px}
.notice .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:40px}
.notice b{color:#fff;font-weight:550}
.notice a{color:var(--glow)}
.notice .n-right{display:flex;gap:18px;white-space:nowrap}
.notice .n-right span{display:inline-flex;align-items:center;gap:6px}
.notice .ico{width:15px;height:15px}

.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.86);backdrop-filter:saturate(1.6) blur(14px);-webkit-backdrop-filter:saturate(1.6) blur(14px);border-bottom:1px solid transparent;transition:border-color .2s, box-shadow .2s}
.hdr.scrolled{border-color:var(--line);box-shadow:0 6px 24px -18px rgba(11,20,17,.4)}
.hdr .wrap{display:flex;align-items:center;gap:28px;height:74px}
.logo{display:flex;align-items:center;gap:11px;color:var(--ink);flex:none}
.logo:hover{color:var(--ink)}
.logo svg{width:36px;height:36px}
.logo .wm{display:flex;flex-direction:column;line-height:1.05}
.logo .wm strong{font-size:16.5px;font-weight:650;letter-spacing:-.03em}
.logo .wm strong span{font-weight:400;color:var(--mute)}
.logo .wm{flex-direction:row;align-items:center;gap:8px}
.logo .wm strong{font-size:18px}
.logo .gtag{font-style:normal;font-family:var(--f-mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--pine);background:var(--mint);padding:3px 8px;border-radius:999px;line-height:1.3}
.ftr .logo .gtag{background:rgba(125,240,182,.14);color:var(--glow)}
.logo .wm small{font-family:var(--f-mono);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--mute-2);margin-top:4px}
.nav{display:flex;align-items:center;gap:2px;margin-left:auto}
.nav > a,.nav .dd > button{display:inline-flex;align-items:center;gap:4px;height:40px;padding:0 13px;border-radius:999px;font-size:14.5px;font-weight:500;color:var(--ink-2);background:none;border:0;cursor:pointer;white-space:nowrap}
.nav > a:hover,.nav .dd > button:hover,.nav .dd.open > button{background:var(--pearl-2);color:var(--ink)}
.nav .dd{position:relative}
.nav .dd .ico{width:15px;height:15px;transition:transform .2s}
.nav .dd.open .ico{transform:rotate(180deg)}
.dd-menu{position:absolute;top:calc(100% + 10px);left:50%;transform:translate(-50%,6px);min-width:270px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:8px;box-shadow:var(--sh-2);opacity:0;visibility:hidden;transition:.18s ease}
.dd-menu::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.dd.open .dd-menu{opacity:1;visibility:visible;transform:translate(-50%,0)}
.dd-menu a{display:flex;align-items:center;gap:12px;padding:10px 12px;border-radius:12px;color:var(--ink-2);font-size:14.5px}
.dd-menu a:hover{background:var(--pearl)}
.dd-menu a i{width:32px;height:32px;border-radius:10px;background:var(--mint);color:var(--pine);display:grid;place-items:center;flex:none}
.dd-menu a i .ico{width:17px;height:17px}
.dd-menu a span small{display:block;color:var(--mute-2);font-size:12.5px;line-height:1.3}
.hdr-cta{margin-left:10px}
.burger{display:none;margin-left:auto;width:44px;height:44px;border-radius:12px;border:1px solid var(--line);background:#fff;align-items:center;justify-content:center;cursor:pointer}
.mnav{display:none}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden;background:var(--pearl);padding:72px 0 0}
.hero-grid-bg{position:absolute;inset:0;pointer-events:none;color:var(--line-2);opacity:.75;-webkit-mask-image:radial-gradient(ellipse 80% 70% at 60% 30%, #000 30%, transparent 75%);mask-image:radial-gradient(ellipse 80% 70% at 60% 30%, #000 30%, transparent 75%)}
.hero::after{content:"";position:absolute;width:720px;height:720px;right:-160px;top:-220px;background:radial-gradient(closest-side, rgba(125,240,182,.45), rgba(125,240,182,0));pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:56px;align-items:center}
.pill{display:inline-flex;align-items:center;gap:10px;padding:6px 14px 6px 6px;background:#fff;border:1px solid var(--line);border-radius:999px;font-size:13.5px;color:var(--ink-2);box-shadow:var(--sh-1);margin-bottom:26px}
.pill b{white-space:nowrap;flex:none;display:inline-flex;align-items:center;gap:6px;background:var(--pine);color:#fff;font-weight:500;font-size:12px;font-family:var(--f-mono);letter-spacing:.06em;text-transform:uppercase;padding:4px 10px;border-radius:999px}
.pill b::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--glow);box-shadow:0 0 0 3px rgba(125,240,182,.25)}
.hero h1{font-size:clamp(2.6rem,5.3vw,4.55rem);font-weight:600;letter-spacing:-.045em;line-height:1.0;margin-bottom:24px}
.hero h1 em{color:var(--pine);font-size:1.04em;letter-spacing:-.02em}
.hero h1 .u{position:relative;white-space:nowrap}
.hero h1 .u svg{position:absolute;left:-2%;bottom:-.16em;width:104%;height:.32em;color:var(--glow)}
.hero .lead{font-size:1.16rem;color:var(--mute);max-width:560px;margin-bottom:32px}
.hero .lead strong{color:var(--ink);font-weight:550}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:36px}
.tasks{background:#fff;border:1px solid var(--line);border-radius:22px;padding:8px;box-shadow:var(--sh-2);max-width:580px}
.tasks-h{display:flex;justify-content:space-between;align-items:center;padding:10px 14px 8px;font-family:var(--f-mono);font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute-2)}
.tasks-g{display:grid;grid-template-columns:1fr 1fr;gap:4px}
.task{display:flex;align-items:center;gap:12px;padding:11px 12px;border-radius:14px;color:var(--ink);font-weight:500;font-size:14.8px;line-height:1.25;transition:background .15s}
.task:hover{background:var(--pearl);color:var(--ink)}
.task i{width:36px;height:36px;border-radius:11px;display:grid;place-items:center;background:var(--mint);color:var(--pine);flex:none}
.task i .ico{width:18px;height:18px}
.task small{display:block;color:var(--mute-2);font-weight:400;font-size:12.5px;margin-top:2px}
.task.hot i{background:var(--pine);color:var(--glow)}
.task .arr{margin-left:auto;width:16px;height:16px;color:var(--mute-2);opacity:0;transform:translateX(-4px);transition:.15s}
.task:hover .arr{opacity:1;transform:none}

.hero-art{position:relative;padding:20px 0 40px 40px}
.hero-photo{position:relative;border-radius:var(--r-xl);overflow:hidden;aspect-ratio:960/1120;box-shadow:var(--sh-3);background:#DDE6E0}
.hero-img{width:100%;height:100%;object-fit:cover;object-position:50% 30%}
.fc{position:absolute;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,.7);border-radius:20px;box-shadow:0 22px 50px -22px rgba(7,41,32,.45), 0 2px 6px rgba(7,41,32,.06);padding:14px 16px;animation:float 7s ease-in-out infinite}
.fc .k{font-family:var(--f-mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute-2)}
.fc .v{font-size:22px;font-weight:600;color:var(--ink);letter-spacing:-.03em;line-height:1.1}
.fc-pay{left:-28px;top:64px;display:flex;gap:12px;align-items:center;min-width:0}
.fc-pay .chk{width:42px;height:42px;border-radius:50%;background:var(--mint);display:grid;place-items:center;color:var(--pine);flex:none}
.fc-pay .chk svg{width:22px;height:22px}
.fc-pay .meta{font-size:12.5px;color:var(--mute)}
.fc-ring{right:-18px;top:2px;width:210px;animation-delay:-2.2s}
.fc-ring .row{display:flex;align-items:center;gap:12px;margin-top:8px}
.fc-ring svg{width:64px;height:64px;flex:none}
.fc-ring p{margin:0;font-size:12.5px;color:var(--mute);line-height:1.35}
.fc-ring p b{color:var(--ink);font-weight:600}
.fc-bars{right:-18px;bottom:0;width:240px;animation-delay:-4.4s}
.fc-bars svg{width:100%;height:auto;margin-top:8px}
.fc-bars .lg{display:flex;justify-content:space-between;font-size:11.5px;color:var(--mute-2);margin-top:6px}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}

/* image placeholder */
.ph{position:relative;width:100%;height:100%;background:
  repeating-linear-gradient(135deg, rgba(14,68,54,.045) 0 12px, transparent 12px 24px),
  linear-gradient(160deg,#E7EEE9,#D6E3DB);display:flex;align-items:flex-end;justify-content:flex-start;color:var(--pine);overflow:hidden}
.ph::before{content:"";position:absolute;inset:14px;border:1.5px dashed rgba(14,68,54,.28);border-radius:inherit;border-radius:18px;pointer-events:none}
.ph .ph-l{position:relative;margin:24px;background:rgba(255,255,255,.88);border-radius:12px;padding:8px 12px;font-family:var(--f-mono);font-size:11.5px;line-height:1.45;color:var(--pine);max-width:calc(100% - 48px)}
.ph .ph-l b{display:block;font-weight:600;font-size:12.5px}
.ph .ph-ic{position:absolute;top:50%;left:50%;transform:translate(-50%,-60%);width:56px;height:56px;color:rgba(14,68,54,.35)}
.hero-photo .ph{align-items:flex-start;justify-content:flex-end}.hero-photo .ph .ph-ic{display:none}.hero-photo .ph .ph-l{max-width:230px}
.ph.dark{background:repeating-linear-gradient(135deg, rgba(255,255,255,.04) 0 12px, transparent 12px 24px), linear-gradient(160deg,#164E40,#0B3328);color:#fff}
.ph.dark::before{border-color:rgba(255,255,255,.25)}
.ph.dark .ph-ic{color:rgba(255,255,255,.3)}
.ph.dark .ph-l{background:rgba(5,32,26,.75);color:var(--glow)}

/* trust strip */
.proof{position:relative;z-index:1;margin-top:64px;border-top:1px solid var(--line);background:rgba(255,255,255,.6)}
.proof .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:20px;padding-bottom:20px;font-size:14px;color:var(--mute)}
.proof .by{display:flex;align-items:center;gap:12px}
.proof .avs{display:flex;flex:none}
.proof .avs img{width:38px;height:38px;border-radius:50%;object-fit:cover;box-shadow:0 0 0 2px #fff;background:#E3E9E5}
.proof .avs img+img{margin-left:-12px}
.proof .by-t{display:flex;flex-direction:column;gap:2px;line-height:1.35}
.proof .by-t .l1{white-space:nowrap}
.proof .by-t .l2{font-size:12.5px;color:var(--mute-2)}
.proof .by-t .sep{margin:0 7px;color:var(--line-2)}
.proof .by-t .nw{white-space:nowrap}
.proof .by b{color:var(--ink);font-weight:550}
.proof ul{display:flex;gap:18px;list-style:none;flex-wrap:nowrap;flex:none}
.proof li{white-space:nowrap}
.proof .by{min-width:0}
.proof li{display:flex;align-items:center;gap:7px}
.proof li .ico{width:17px;height:17px;color:var(--leaf)}

/* ---------- Bento: at a glance ---------- */
.bento{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));grid-auto-rows:minmax(170px,auto);gap:16px}
.tile{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;display:flex;flex-direction:column;overflow:hidden;transition:transform .2s, box-shadow .2s}
.tile:hover{transform:translateY(-2px);box-shadow:var(--sh-2)}
.tile .k{font-family:var(--f-mono);font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute-2);margin-bottom:auto}
.tile .big{font-size:clamp(2.2rem,3.4vw,2.9rem);font-weight:600;color:var(--ink);letter-spacing:-.05em;line-height:1;margin:18px 0 8px}
.tile .big small{font-size:.48em;letter-spacing:-.02em;color:var(--mute);font-weight:500}
.tile p{margin:0;font-size:14.5px;color:var(--mute);line-height:1.5}
.tile.t-apr{grid-row:span 3;background:var(--pine);border-color:var(--pine);color:rgba(255,255,255,.75)}
.tile.t-apr .k{color:rgba(255,255,255,.55)}
.tile.t-apr .big{color:#fff;font-size:clamp(3rem,5vw,4.2rem)}
.tile.t-apr p{color:rgba(255,255,255,.72)}
.tile.t-apr .gauge{margin:auto 0 4px;width:100%;max-width:300px}
.tile.t-mint{background:var(--mint);border-color:var(--mint-2)}
.tile.t-apri{background:var(--apricot-t);border-color:#FFDCC8}
.tile.t-wide{grid-column:span 3;flex-direction:row;align-items:center;gap:22px}
.tile.t-wide .iss{flex:1}
.tile.t-wide .iss h3{margin:6px 0 8px;font-size:1.25rem}
.tile .bank{width:64px;height:64px;border-radius:18px;background:var(--pearl);display:grid;place-items:center;color:var(--pine);flex:none}
.tile .bank .ico{width:30px;height:30px}
.tile .mini-ic{position:absolute;top:22px;right:22px;width:38px;height:38px;border-radius:12px;background:var(--pearl);display:grid;place-items:center;color:var(--pine)}
.tile.t-mint .mini-ic{background:#fff}
.tile.t-apri .mini-ic{background:#fff;color:var(--apricot-d)}
.tile .mini-ic .ico{width:19px;height:19px}

/* ---------- Pay section ---------- */
.pay-ui{display:grid;grid-template-columns:330px minmax(0,1fr);gap:20px;align-items:start}
.pay-tabs{display:flex;flex-direction:column;gap:6px;position:sticky;top:100px}
.pay-tab{display:flex;align-items:center;gap:14px;text-align:left;padding:14px 16px;border-radius:18px;border:1px solid transparent;background:transparent;cursor:pointer;transition:.18s}
.pay-tab:hover{background:#fff;border-color:var(--line)}
.pay-tab i{width:42px;height:42px;border-radius:13px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;color:var(--pine);flex:none;transition:.18s}
.pay-tab strong{display:block;font-weight:600;color:var(--ink);font-size:15.5px;letter-spacing:-.01em}
.pay-tab small{display:block;color:var(--mute);font-size:13px;line-height:1.35}
.pay-tab .tag{margin-left:auto;font-family:var(--f-mono);font-size:10px;letter-spacing:.08em;text-transform:uppercase;padding:3px 8px;border-radius:999px;background:var(--mint);color:var(--pine);white-space:nowrap}
.pay-tab[aria-selected="true"]{background:#fff;border-color:var(--line);box-shadow:var(--sh-2)}
.pay-tab[aria-selected="true"] i{background:var(--pine);border-color:var(--pine);color:var(--glow)}
.pay-panel{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:36px;box-shadow:var(--sh-1);min-height:100%}
.pay-panel[hidden]{display:none}
.pp-top{display:flex;justify-content:space-between;gap:20px;align-items:flex-start;margin-bottom:22px}
.pp-top h3{font-size:1.6rem;letter-spacing:-.03em;margin-bottom:6px}
.pp-top p{margin:0;color:var(--mute);max-width:520px}
.pp-badge{font-family:var(--f-mono);font-size:11px;letter-spacing:.08em;text-transform:uppercase;padding:6px 11px;border-radius:999px;background:var(--pearl);color:var(--mute);white-space:nowrap}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:26px}
.fact{background:var(--pearl);border-radius:16px;padding:14px 16px}
.fact .k{font-family:var(--f-mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute-2)}
.fact .v{font-weight:600;color:var(--ink);margin-top:4px;font-size:15px;line-height:1.3}
.meter{display:flex;gap:4px;margin-top:8px}
.meter span{height:5px;flex:1;border-radius:3px;background:var(--line-2)}
.meter span.on{background:var(--leaf)}
.meter.warn span.on{background:var(--apricot)}
.steps{list-style:none;counter-reset:s;display:grid;gap:12px;margin-bottom:24px}
.steps li{counter-increment:s;position:relative;padding-left:46px;color:var(--ink-2)}
.steps li::before{content:counter(s);position:absolute;left:0;top:-2px;width:30px;height:30px;border-radius:50%;border:1px solid var(--line-2);display:grid;place-items:center;font-family:var(--f-mono);font-size:13px;color:var(--pine);background:#fff}
.steps li b{color:var(--ink);font-weight:600}
.note{display:flex;gap:12px;padding:14px 16px;border-radius:16px;background:var(--mint);color:var(--pine-2);font-size:14.5px;line-height:1.5}
.note .ico{width:19px;height:19px;margin-top:2px;color:var(--pine)}
.note.warn{background:var(--apricot-t);color:#6E3317}
.note.warn .ico{color:var(--apricot-d)}
.note p{margin:0}
.pp-foot{display:flex;flex-wrap:wrap;gap:12px;align-items:center;justify-content:space-between;margin-top:24px;padding-top:22px;border-top:1px solid var(--line)}
.pp-foot code{font-family:var(--f-mono);font-size:13.5px;background:var(--pearl);padding:4px 9px;border-radius:8px;color:var(--ink)}

/* when to pay chart */
.when{margin-top:20px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:32px 36px}
.when-h{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:22px}
.when-h h3{font-size:1.25rem}
.when-h p{margin:0;color:var(--mute);font-size:14.5px}
.wrow{display:grid;grid-template-columns:150px 1fr 180px;align-items:center;gap:18px;padding:10px 0;border-top:1px dashed var(--line)}
.wrow:first-of-type{border-top:0}
.wrow .lbl{font-weight:550;color:var(--ink);font-size:14.5px;display:flex;align-items:center;gap:9px}
.wrow .lbl .ico{width:17px;height:17px;color:var(--leaf)}
.track{position:relative;height:30px;border-radius:999px;background:var(--pearl)}
.track .bar{position:absolute;top:5px;bottom:5px;border-radius:999px;background:linear-gradient(90deg,var(--mint-2),var(--leaf))}
.track .bar.slow{background:linear-gradient(90deg,#FFD9C4,var(--apricot))}
.track .due{position:absolute;top:-6px;bottom:-6px;right:6%;width:2px;background:var(--ink);border-radius:2px}
.wrow.first .track .due::after{content:"Due";position:absolute;top:-16px;left:50%;transform:translateX(-50%);font-family:var(--f-mono);font-size:10px;letter-spacing:.08em;text-transform:uppercase;color:var(--ink)}
.wrow .ans{font-size:13.5px;color:var(--mute);line-height:1.35}
.wrow .ans b{color:var(--ink);font-weight:600}
.scale{display:grid;grid-template-columns:150px 1fr 180px;gap:18px;margin-top:6px}
.scale div{display:flex;justify-content:space-between;font-family:var(--f-mono);font-size:10.5px;color:var(--mute-2);letter-spacing:.06em;text-transform:uppercase}

/* ---------- Account Center ---------- */
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:64px;align-items:center}
.split .ph-wrap{border-radius:var(--r-xl);overflow:hidden;aspect-ratio:1200/960;box-shadow:var(--sh-2);position:relative;background:#E6E0D6}
.acc-img{width:100%;height:100%;object-fit:cover;object-position:60% 40%}
.cando{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:26px 0}
.cando > div{display:flex;align-items:center;gap:10px;padding:12px 14px;border:1px solid var(--line);border-radius:14px;font-size:14.5px;font-weight:500;color:var(--ink)}
.cando .ico{width:18px;height:18px;color:var(--leaf)}
.mini-faq{display:grid;gap:10px}
.mini-faq > div{padding:14px 16px;background:var(--pearl);border-radius:16px;font-size:14.5px;color:var(--mute)}
.mini-faq b{display:block;color:var(--ink);font-weight:600;margin-bottom:2px}
.ph-chip{position:absolute;left:24px;top:24px;display:flex;align-items:center;gap:10px;background:#fff;border-radius:14px;padding:10px 14px;box-shadow:var(--sh-2);font-size:13px;color:var(--mute);z-index:2}
.ph-chip b{display:block;color:var(--ink);font-weight:600;font-size:14px}
.ph-chip i{width:34px;height:34px;border-radius:10px;background:var(--pine);color:var(--glow);display:grid;place-items:center}
.ph-chip i .ico{width:17px;height:17px}

/* ---------- Plans ---------- */
.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.plan{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;display:flex;flex-direction:column}
.plan .ptag{align-self:flex-start;font-family:var(--f-mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;padding:5px 10px;border-radius:999px;margin-bottom:22px}
.plan .ptag.t1{background:var(--apricot-t);color:var(--apricot-d)}
.plan .ptag.t2{background:var(--mint);color:var(--pine)}
.plan .ptag.t3{background:var(--sky-t);color:#24527F}
.plan h3{font-size:1.35rem;margin-bottom:8px}
.plan .pl{color:var(--mute);font-size:14.5px;margin-bottom:22px}
.plan .terms{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:22px}
.plan .terms span{font-family:var(--f-mono);font-size:12.5px;padding:6px 10px;border-radius:10px;border:1px solid var(--line);color:var(--ink)}
.plan .terms span em{font-style:normal;color:var(--leaf)}
.plan ul{list-style:none;display:grid;gap:9px;margin-top:auto;padding-top:20px;border-top:1px solid var(--line)}
.plan li{display:flex;gap:10px;font-size:14.3px;line-height:1.45}
.plan li .ico{width:17px;height:17px;margin-top:3px;color:var(--leaf)}
.plan li.x .ico{color:var(--rose)}
.plan svg.curve{width:100%;height:74px;margin-bottom:18px}
.plans-note{display:flex;gap:10px;align-items:center;justify-content:center;margin-top:24px;color:var(--mute);font-size:14.5px;text-align:center}
.plans-note .ico{width:18px;height:18px;color:var(--leaf)}

/* ---------- Deferred interest (dark) ---------- */
.dark{background:var(--pine-3);color:rgba(255,255,255,.74);position:relative;overflow:hidden}
.dark::before{content:"";position:absolute;width:900px;height:900px;left:-300px;bottom:-500px;background:radial-gradient(closest-side, rgba(125,240,182,.16), transparent);pointer-events:none}
.dark h2,.dark h3{color:#fff}
.dark h2 em{color:var(--glow)}
.dark .eyebrow{color:var(--glow)}
.dark .sec-lead{color:rgba(255,255,255,.66)}
.calc{position:relative;display:grid;grid-template-columns:380px minmax(0,1fr);gap:20px}
.calc-in,.calc-out{background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.1);border-radius:var(--r-lg);padding:30px}
.fld{margin-bottom:26px}
.fld label,.fld .lab{display:flex;justify-content:space-between;align-items:baseline;font-size:14px;color:rgba(255,255,255,.72);margin-bottom:12px}
.fld output,.fld .val{font-family:var(--f-mono);font-size:20px;font-weight:500;color:#fff;letter-spacing:-.02em}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:999px;background:linear-gradient(90deg,var(--glow) var(--p,50%), rgba(255,255,255,.14) var(--p,50%));outline:none;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:6px solid var(--glow);box-shadow:0 4px 12px rgba(0,0,0,.3);cursor:grab}
input[type=range]::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:#fff;border:6px solid var(--glow);cursor:grab}
.light input[type=range]{background:linear-gradient(90deg,var(--pine) var(--p,50%), var(--line) var(--p,50%))}
.light input[type=range]::-webkit-slider-thumb{border-color:var(--pine);box-shadow:0 4px 12px rgba(14,68,54,.3)}
.light input[type=range]::-moz-range-thumb{border-color:var(--pine)}
.range-lg{display:flex;justify-content:space-between;font-family:var(--f-mono);font-size:11px;color:rgba(255,255,255,.4);margin-top:8px}
.light .range-lg{color:var(--mute-2)}
.chips{display:flex;gap:6px;flex-wrap:wrap}
.chips button{flex:1;min-width:52px;height:42px;border-radius:12px;border:1px solid rgba(255,255,255,.16);background:transparent;color:#fff;font-family:var(--f-mono);font-size:14px;cursor:pointer;transition:.15s}
.chips button:hover{border-color:rgba(255,255,255,.4)}
.chips button[aria-pressed="true"]{background:var(--glow);border-color:var(--glow);color:var(--pine-4);font-weight:600}
.light .chips button{border-color:var(--line-2);color:var(--ink)}
.light .chips button:hover{border-color:var(--ink)}
.light .chips button[aria-pressed="true"]{background:var(--pine);border-color:var(--pine);color:#fff}
.calc-in .btn{width:100%}
.calc-in .fine{font-size:12.5px;color:rgba(255,255,255,.45);margin:16px 0 0;line-height:1.5}
.res{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:22px}
.res > div{border-radius:16px;padding:16px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08)}
.res .k{font-family:var(--f-mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.5)}
.res .v{font-size:28px;font-weight:600;color:#fff;letter-spacing:-.04em;margin-top:6px;line-height:1.05}
.res .v.ok{color:var(--glow)}
.res .v.bad{color:var(--apricot)}
.res .s{font-size:12.5px;color:rgba(255,255,255,.5);margin-top:4px;line-height:1.35}
#chart{width:100%;height:auto}
.chart-lg{display:flex;flex-wrap:wrap;gap:18px;font-size:12.5px;color:rgba(255,255,255,.6);margin-top:10px}
.chart-lg span{display:inline-flex;align-items:center;gap:8px}
.chart-lg i{width:18px;height:3px;border-radius:2px;background:var(--glow)}
.chart-lg i.d{background:repeating-linear-gradient(90deg,rgba(255,255,255,.6) 0 5px,transparent 5px 9px)}
.chart-lg i.a{height:10px;background:rgba(255,180,140,.45)}
.verdict{display:flex;gap:12px;align-items:flex-start;margin-top:20px;padding:16px 18px;border-radius:16px;background:rgba(125,240,182,.1);border:1px solid rgba(125,240,182,.25);color:#E6FFF2;font-size:14.8px;line-height:1.5}
.verdict.bad{background:rgba(255,180,140,.1);border-color:rgba(255,180,140,.3);color:#FFE9DD}
.verdict .ico{width:20px;height:20px;margin-top:2px}
.di-tips{position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:20px}
.di-tips > div{padding:22px;border-radius:20px;border:1px solid rgba(255,255,255,.1)}
.di-tips b{display:block;color:#fff;font-weight:600;margin:12px 0 6px;font-size:15.5px}
.di-tips p{margin:0;font-size:14px;line-height:1.5}
.di-tips .n{font-family:var(--f-mono);font-size:12px;color:var(--glow)}

/* ---------- Fees ---------- */
.fees{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:56px;align-items:start}
.fees-l{position:sticky;top:110px}
.fees-l h2{margin-bottom:18px}
.fees-l p{color:var(--mute)}
.ftable{border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;background:#fff}
.frow{display:grid;grid-template-columns:44px minmax(0,1fr) auto;gap:16px;align-items:center;padding:18px 22px;border-top:1px solid var(--line)}
.frow:first-child{border-top:0}
.frow i{width:40px;height:40px;border-radius:12px;background:var(--pearl);display:grid;place-items:center;color:var(--pine)}
.frow i .ico{width:19px;height:19px}
.frow b{display:block;color:var(--ink);font-weight:600;font-size:15.5px}
.frow small{display:block;color:var(--mute);font-size:13.5px;line-height:1.4}
.frow .amt{font-family:var(--f-mono);font-size:17px;font-weight:500;color:var(--ink);text-align:right;white-space:nowrap}
.frow .amt.z{color:var(--leaf)}
.frow .amt.h{color:var(--rose)}

/* ---------- Providers ---------- */
.provs{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.prov{position:relative;border-radius:var(--r-lg);overflow:hidden;background:#fff;border:1px solid var(--line);display:flex;flex-direction:column;transition:transform .2s, box-shadow .2s;color:inherit}
.prov:hover{transform:translateY(-3px);box-shadow:var(--sh-2);color:inherit}
.prov .ph-box{aspect-ratio:640/420;position:relative;overflow:hidden;background:#E3E9E5}
.prov-img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.prov:hover .prov-img{transform:scale(1.04)}
.prov .ph .ph-l{margin:16px}
.prov .pi{position:absolute;right:16px;top:16px;width:46px;height:46px;border-radius:14px;background:#fff;display:grid;place-items:center;color:var(--pine);box-shadow:var(--sh-2);z-index:2}
.prov .pi .ico{width:22px;height:22px}
.prov .pb{padding:22px 24px 24px}
.prov h3{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
.prov h3 .ico{width:18px;height:18px;color:var(--mute-2);transition:transform .2s}
.prov:hover h3 .ico{transform:translateX(3px);color:var(--pine)}
.prov p{margin:0;font-size:14.5px;color:var(--mute)}
.locator{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-top:20px;padding:22px 26px;border-radius:var(--r-lg);background:var(--mint);border:1px solid var(--mint-2)}
.locator p{margin:0;color:var(--pine-2)}
.locator b{color:var(--pine-3)}

/* ---------- Apply ---------- */
.stepper{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;position:relative}
.stepper::before{content:"";position:absolute;left:12%;right:12%;top:31px;border-top:2px dashed var(--line-2)}
.stp{position:relative;text-align:center;padding:0 10px}
.stp .dot{width:64px;height:64px;border-radius:20px;margin:0 auto 18px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;color:var(--pine);box-shadow:var(--sh-1);position:relative}
.stp .dot .ico{width:26px;height:26px}
.stp .dot span{position:absolute;top:-8px;right:-8px;width:24px;height:24px;border-radius:50%;background:var(--pine);color:#fff;font-family:var(--f-mono);font-size:11.5px;display:grid;place-items:center}
.stp h3{font-size:1.08rem;margin-bottom:6px}
.stp p{font-size:14.3px;color:var(--mute);margin:0}
.reqs{display:grid;grid-template-columns:1.1fr .9fr;gap:16px;margin-top:48px}
.reqs .box{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px}
.reqs h3{margin-bottom:16px;font-size:1.15rem}
.ticks{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:10px 22px}
.ticks li{display:flex;gap:10px;font-size:14.5px;line-height:1.45}
.ticks .ico{width:18px;height:18px;margin-top:2px;color:var(--leaf)}
.reqs .box.alt{background:var(--apricot-t);border-color:#FFDCC8}
.reqs .box.alt p{font-size:14.5px;color:#6E3317;margin-bottom:14px}

/* ---------- Loan ---------- */
.loan{background:linear-gradient(180deg,var(--pearl) 0%, #fff 100%)}
.loan-card{display:grid;grid-template-columns:minmax(0,1fr) 440px;gap:0;border-radius:var(--r-xl);overflow:hidden;background:#fff;border:1px solid var(--line);box-shadow:var(--sh-2)}
.loan-l{padding:52px;display:flex;flex-direction:column}
.loan-l h2{margin-bottom:16px}
.loan-l .sec-lead{color:var(--mute);font-size:1.06rem;margin-bottom:26px}
.loan-pts{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:28px}
.loan-pts > div{display:flex;gap:12px;align-items:flex-start;padding:14px;border-radius:16px;background:var(--pearl)}
.loan-pts i{width:36px;height:36px;border-radius:11px;background:#fff;display:grid;place-items:center;color:var(--pine);flex:none;border:1px solid var(--line)}
.loan-pts i .ico{width:18px;height:18px}
.loan-pts b{display:block;color:var(--ink);font-weight:600;font-size:14.8px}
.loan-pts small{display:block;color:var(--mute);font-size:13px;line-height:1.35}
.when-loan{font-size:14.3px;color:var(--mute);margin-top:auto}
.when-loan b{color:var(--ink)}
.loan-r{background:var(--pine-3);color:rgba(255,255,255,.75);padding:40px;position:relative;overflow:hidden}
.loan-r::before{content:"";position:absolute;width:500px;height:500px;right:-250px;top:-250px;background:radial-gradient(closest-side, rgba(125,240,182,.22), transparent)}
.loan-r > *{position:relative}
.loan-r h3{color:#fff;font-size:1.2rem;margin-bottom:22px;display:flex;justify-content:space-between;align-items:center}
.loan-r h3 small{font-family:var(--f-mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--glow);font-weight:400}
.big-pay{text-align:center;padding:22px 0 20px;margin:4px 0 22px;border-top:1px solid rgba(255,255,255,.1);border-bottom:1px solid rgba(255,255,255,.1)}
.big-pay .k{font-family:var(--f-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.5)}
.big-pay .v{font-size:52px;font-weight:600;letter-spacing:-.05em;color:#fff;line-height:1.05;margin:4px 0}
.big-pay .v small{font-size:18px;color:rgba(255,255,255,.55);letter-spacing:0;font-weight:400}
.big-pay .s{font-size:13px;color:rgba(255,255,255,.55)}
.loan-r .btn{width:100%}
.loan-r .fine{font-size:12px;line-height:1.5;color:rgba(255,255,255,.45);margin:14px 0 0}
.soft{display:flex;align-items:center;justify-content:center;gap:8px;font-size:13px;color:rgba(255,255,255,.7);margin-top:12px}
.soft .ico{width:16px;height:16px;color:var(--glow)}

/* ---------- Compare table ---------- */
.ctable{border:1px solid var(--line);border-radius:var(--r-lg);overflow:auto;background:#fff;-webkit-overflow-scrolling:touch}
.ctable table{width:100%;min-width:900px;border-collapse:collapse;font-size:14.5px}
.ctable th,.ctable td{text-align:left;padding:18px 20px;border-top:1px solid var(--line);vertical-align:top;line-height:1.45}
.ctable thead th{border-top:0;font-family:var(--f-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute-2);font-weight:500;background:var(--pearl)}
.ctable tbody th{font-weight:600;color:var(--ink);white-space:nowrap}
.ctable tbody th small{display:block;font-weight:400;color:var(--mute-2);font-size:12.5px}
.ctable tr.me{background:linear-gradient(90deg,rgba(221,245,232,.6),rgba(221,245,232,.15))}
.ctable tr.ours{background:var(--apricot-t)}
.ctable td .y{color:var(--leaf);font-weight:550}
.ctable td .n{color:var(--rose);font-weight:550}
.ctable a{font-weight:550}
.cmp-links{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px}
.cmp-links a{padding:9px 14px;border-radius:999px;border:1px solid var(--line);font-size:14px;color:var(--ink-2);background:#fff}
.cmp-links a:hover{border-color:var(--pine);color:var(--pine)}

/* ---------- Help grid ---------- */
.help{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.hq{background:#fff;border:1px solid var(--line);border-radius:20px;transition:box-shadow .2s, border-color .2s}
.hq[open]{box-shadow:var(--sh-2);border-color:var(--line-2)}
.hq summary{list-style:none;display:flex;align-items:center;gap:14px;padding:18px 20px;cursor:pointer;font-weight:600;color:var(--ink);font-size:15.5px}
.hq summary::-webkit-details-marker{display:none}
.hq summary i{width:40px;height:40px;border-radius:12px;background:var(--pearl);display:grid;place-items:center;color:var(--pine);flex:none}
.hq summary i .ico{width:19px;height:19px}
.hq summary .pm{margin-left:auto;width:28px;height:28px;border-radius:50%;border:1px solid var(--line);display:grid;place-items:center;flex:none;transition:transform .2s}
.hq summary .pm .ico{width:14px;height:14px}
.hq[open] summary .pm{transform:rotate(45deg);background:var(--pine);border-color:var(--pine);color:#fff}
.hq .ha{padding:0 20px 20px 74px;font-size:14.8px;color:var(--mute)}
.hq .ha p:last-child{margin-bottom:0}
.hq .ha a{font-weight:550}

/* ---------- Safety ---------- */
.safe{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.sbox{border-radius:var(--r-lg);padding:32px;border:1px solid var(--line);background:#fff}
.sbox h3{display:flex;align-items:center;gap:12px;margin-bottom:20px}
.sbox h3 i{width:42px;height:42px;border-radius:13px;display:grid;place-items:center;background:var(--mint);color:var(--pine)}
.sbox.bad h3 i{background:var(--rose-t);color:var(--rose)}
.olist{list-style:none;display:grid;gap:4px}
.olist li{display:grid;grid-template-columns:150px 1fr;gap:16px;padding:12px 0;border-top:1px dashed var(--line);font-size:14.5px}
.olist li:first-child{border-top:0}
.olist li span{color:var(--mute)}
.olist li b{color:var(--ink);font-weight:550;font-family:var(--f-mono);font-size:14px;word-break:break-word}
.flags{list-style:none;display:grid;gap:12px}
.flags li{display:flex;gap:12px;font-size:14.8px;line-height:1.5}
.flags .ico{width:18px;height:18px;margin-top:3px;color:var(--rose)}
.safe-foot{grid-column:1/-1;display:flex;align-items:center;gap:16px;padding:20px 26px;border-radius:20px;background:var(--pine);color:rgba(255,255,255,.8);font-size:15px}
.safe-foot .ico{width:24px;height:24px;color:var(--glow)}
.safe-foot b{color:#fff}

/* ---------- Article cards ---------- */
.arts{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.art{display:flex;flex-direction:column;border-radius:var(--r-lg);overflow:hidden;background:#fff;border:1px solid var(--line);color:inherit;transition:transform .2s, box-shadow .2s}
.art:hover{transform:translateY(-3px);box-shadow:var(--sh-2);color:inherit}
.art .gi{aspect-ratio:800/500}
.art .gb{padding:22px 24px 26px;display:flex;flex-direction:column;flex:1}
.art .gt{font-family:var(--f-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--leaf);margin-bottom:10px}
.art h3{font-size:1.15rem;margin-bottom:8px}
.art p{font-size:14.5px;color:var(--mute);margin:0 0 16px}
.art .rm{margin-top:auto;font-size:13px;color:var(--mute-2);display:flex;justify-content:space-between;align-items:center}
.art .rm .ico{width:17px;height:17px;color:var(--pine)}

/* ---------- Trust ---------- */
.trust{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px}
.tbox{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:34px}
.how4{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:24px}
.how4 div i{width:40px;height:40px;border-radius:12px;background:var(--mint);color:var(--pine);display:grid;place-items:center;margin-bottom:12px}
.how4 div i .ico{width:19px;height:19px}
.how4 b{display:block;color:var(--ink);font-weight:600;margin-bottom:4px}
.how4 p{font-size:14.3px;color:var(--mute);margin:0}
.meta-dl{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:20px 0 26px}
.meta-dl > div{background:var(--pearl);border-radius:14px;padding:12px 14px}
.meta-dl .k{font-family:var(--f-mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute-2)}
.meta-dl .v{color:var(--ink);font-weight:550;font-size:14.5px;margin-top:2px}
.srcs{list-style:none;counter-reset:src;display:grid;gap:8px}
.srcs li{counter-increment:src;display:flex;gap:12px;font-size:14.3px;line-height:1.45;padding:10px 0;border-top:1px dashed var(--line)}
.srcs li::before{content:counter(src,decimal-leading-zero);font-family:var(--f-mono);font-size:12px;color:var(--leaf);margin-top:2px}
.srcs li span{color:var(--mute-2);display:block;font-size:12.5px}

/* ---------- FAQ ---------- */
.faq{display:grid;grid-template-columns:minmax(0,.75fr) minmax(0,1.25fr);gap:64px;align-items:start}
.faq-l{position:sticky;top:110px}
.faq-l p{color:var(--mute);margin:18px 0 26px}
.faq-l .ask{padding:22px;border-radius:20px;background:var(--pearl);font-size:14.5px;color:var(--mute)}
.faq-l .ask b{display:block;color:var(--ink);margin-bottom:4px}
.qa{border-top:1px solid var(--line)}
.qa:last-child{border-bottom:1px solid var(--line)}
.qa summary{list-style:none;display:flex;justify-content:space-between;gap:24px;align-items:center;padding:24px 0;cursor:pointer;font-size:1.12rem;font-weight:600;color:var(--ink);letter-spacing:-.015em}
.qa summary::-webkit-details-marker{display:none}
.qa summary .pm{width:34px;height:34px;border-radius:50%;border:1px solid var(--line-2);display:grid;place-items:center;flex:none;transition:.2s}
.qa summary .pm .ico{width:15px;height:15px}
.qa[open] summary .pm{transform:rotate(45deg);background:var(--pine);border-color:var(--pine);color:#fff}
.qa .a{padding:0 60px 24px 0;color:var(--mute)}
.qa .a p:last-child{margin:0}

/* ---------- CTA band ---------- */
.cta{padding:0 0 112px}
.cta-in{position:relative;overflow:hidden;border-radius:var(--r-xl);background:var(--pine-3);padding:64px;display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:40px;align-items:center}
.cta-in::before{content:"";position:absolute;inset:0;background:radial-gradient(600px 300px at 90% 0%, rgba(125,240,182,.22), transparent 70%), radial-gradient(500px 300px at 0% 100%, rgba(255,180,140,.12), transparent 70%)}
.cta-in > *{position:relative}
.cta-in h2{color:#fff;margin-bottom:14px}
.cta-in h2 em{color:var(--glow)}
.cta-in p{color:rgba(255,255,255,.7);margin:0}
.cta-btns{display:flex;flex-direction:column;gap:10px}
.cta-btns .btn{width:100%}

/* ---------- Footer ---------- */
.ftr{background:var(--pine-4);color:rgba(255,255,255,.62);font-size:14.5px;padding:80px 0 32px}
.ftr a{color:rgba(255,255,255,.75)}
.ftr a:hover{color:var(--glow)}
.ftr-top{display:grid;grid-template-columns:1.3fr repeat(5,1fr);gap:32px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.1)}
.ftr .logo{color:#fff;margin-bottom:18px}
.ftr .logo .wm strong span{color:rgba(255,255,255,.55)}
.ftr .logo .wm small{color:rgba(255,255,255,.45)}
.ftr h4{color:#fff;font-size:13px;font-family:var(--f-mono);font-weight:500;letter-spacing:.1em;text-transform:uppercase;margin-bottom:16px}
.ftr ul{list-style:none;display:grid;gap:10px}
.ftr .contact{display:grid;gap:6px;margin-top:18px;font-size:14px}
.disc{padding:28px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:13px;line-height:1.65;color:rgba(255,255,255,.5)}
.disc p{margin:0 0 10px}
.disc b{color:rgba(255,255,255,.8);font-weight:550}
.ftr-bot{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;padding-top:24px;font-size:13px}
.ftr-bot nav{display:flex;flex-wrap:wrap;gap:18px}


/* ---------- Reviews (v8.1) ---------- */
.rev-top{display:grid;grid-template-columns:400px minmax(0,1fr);gap:16px;align-items:stretch}
.score{position:relative;overflow:hidden;background:var(--pine-3);color:rgba(255,255,255,.72);border-radius:var(--r-lg);padding:32px;display:flex;flex-direction:column}
.score::before{content:"";position:absolute;width:420px;height:420px;right:-200px;top:-200px;background:radial-gradient(closest-side,rgba(125,240,182,.22),transparent)}
.score > *{position:relative}
.score .k{font-family:var(--f-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--glow)}
.score .num{display:flex;align-items:baseline;gap:8px;margin:14px 0 6px}
.score .num b{font-size:72px;font-weight:600;letter-spacing:-.05em;color:#fff;line-height:.95}
.score .num span{font-size:20px;color:rgba(255,255,255,.5)}
.stars{position:relative;display:inline-block;width:130px;height:24px;flex:none}
.stars .row{display:flex;gap:2px;white-space:nowrap}
.stars .row svg{flex:none}
.stars svg{width:24px;height:24px;fill:currentColor;stroke:none}
.stars .bg{color:rgba(255,255,255,.18)}
.stars .fg{position:absolute;top:0;left:0;bottom:0;overflow:hidden;color:var(--glow)}
.stars.lt .bg{color:var(--line-2)}
.stars.lt .fg{color:#F2A33A}
.stars.sm{width:92px;height:17px}
.stars.sm svg{width:17px;height:17px}
.score .vd{color:#fff;font-size:1.12rem;font-weight:550;letter-spacing:-.01em;margin:16px 0 22px;line-height:1.4}
.bk{list-style:none;display:grid;gap:12px;margin-bottom:22px}
.bk li{display:grid;grid-template-columns:1fr 34px;gap:4px 10px;font-size:13.5px;align-items:center}
.bk li i{grid-column:1/-1;height:6px;border-radius:999px;background:rgba(255,255,255,.1);position:relative;overflow:hidden;font-style:normal}
.bk li i::after{content:"";position:absolute;inset:0 auto 0 0;width:var(--w);border-radius:999px;background:var(--glow)}
.bk li i.lo::after{background:var(--apricot)}
.bk li b{font-family:var(--f-mono);font-weight:500;color:#fff;text-align:right;grid-row:1;grid-column:2}
.fit{display:grid;gap:14px;margin-bottom:22px;padding-top:20px;border-top:1px solid rgba(255,255,255,.1)}
.fit b{display:block;font-family:var(--f-mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;font-weight:500;margin-bottom:4px}
.fit .y b{color:var(--glow)}.fit .n b{color:var(--apricot)}
.fit p{margin:0;font-size:13.8px;line-height:1.5;color:rgba(255,255,255,.75)}
.score .meth{margin-top:auto;font-size:12.5px;color:rgba(255,255,255,.5);line-height:1.5}
.score .meth a{color:var(--glow)}
.plats{display:grid;grid-template-rows:auto auto 1fr;gap:16px}
.plat-g{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.plat{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;display:flex;flex-direction:column}
.plat .ph-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px}
.plat .src{font-weight:600;color:var(--ink);font-size:15px}
.plat .src small{display:block;font-weight:400;color:var(--mute-2);font-size:12.5px}
.plat .lg{width:38px;height:38px;border-radius:11px;background:var(--pearl);display:grid;place-items:center;color:var(--pine);font-family:var(--f-mono);font-weight:600;font-size:13px}
.plat .big{font-size:38px;font-weight:600;letter-spacing:-.04em;color:var(--ink);line-height:1}
.plat .big small{font-size:15px;color:var(--mute);letter-spacing:0;font-weight:400}
.plat .cnt{font-size:13px;color:var(--mute);margin:6px 0 14px}
.dist{display:grid;gap:5px;margin-bottom:14px}
.dist div{display:grid;grid-template-columns:22px 1fr 32px;gap:8px;align-items:center;font-family:var(--f-mono);font-size:11px;color:var(--mute-2)}
.dist i{height:6px;border-radius:999px;background:var(--pearl-2);position:relative;overflow:hidden}
.dist i::after{content:"";position:absolute;inset:0 auto 0 0;width:var(--w);background:#F2A33A;border-radius:999px}
.plat p{font-size:13.5px;color:var(--mute);line-height:1.5;margin:0 0 14px}
.plat .chk{margin-top:auto;display:flex;justify-content:space-between;align-items:center;font-size:12.5px;color:var(--mute-2);padding-top:12px;border-top:1px dashed var(--line)}
.plat .chk a{font-weight:550;font-size:13px}
.themes{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.theme{border-radius:var(--r-lg);padding:26px;border:1px solid var(--line);background:#fff}
.theme h3{display:flex;align-items:center;gap:10px;font-size:1.08rem;margin-bottom:16px}
.theme h3 i{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;background:var(--mint);color:var(--pine)}
.theme.neg h3 i{background:var(--rose-t);color:var(--rose)}
.theme h3 i .ico{width:17px;height:17px}
.theme ul{list-style:none;display:grid;gap:12px}
.theme li{display:flex;gap:10px;font-size:14.5px;line-height:1.5}
.theme li .ico{width:17px;height:17px;margin-top:3px;color:var(--leaf)}
.theme.neg li .ico{color:var(--rose)}
.theme li b{color:var(--ink);font-weight:600}
.why-low{display:flex;gap:14px;align-items:flex-start;margin-top:16px;padding:20px 24px;border-radius:20px;background:var(--apricot-t);border:1px solid #FFDCC8;color:#6E3317;font-size:14.8px;line-height:1.55}
.why-low .ico{width:20px;height:20px;margin-top:2px;color:var(--apricot-d)}
.why-low p{margin:0}
.reader{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0;margin-top:16px;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;background:#fff}
.reader-l{padding:34px}
.reader-l h3{font-size:1.35rem;margin-bottom:10px}
.reader-l p{color:var(--mute);font-size:14.8px}
.rules{list-style:none;display:grid;gap:8px;margin:16px 0 24px}
.rules li{display:flex;gap:10px;font-size:14.3px}
.rules .ico{width:17px;height:17px;margin-top:3px;color:var(--leaf)}
.reader-r{background:var(--pearl);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:34px;gap:14px}
.reader-r svg.empty{width:260px;height:auto}
.reader-r p{margin:0;font-size:14px;color:var(--mute);max-width:300px}

/* ---------- E-E-A-T (v8.1) ---------- */
.tstats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:16px}
.tstat{border:1px solid var(--line);border-radius:22px;padding:22px 24px;background:#fff}
.tstat b{display:block;font-size:30px;font-weight:600;letter-spacing:-.04em;color:var(--ink);line-height:1.1}
.tstat span{display:block;margin-top:6px;font-size:13.5px;line-height:1.4;color:var(--mute)}
.people{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.person{display:grid;grid-template-columns:120px minmax(0,1fr);gap:24px;align-items:start;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;background:#fff}
.person .av-ph{width:120px;height:120px;border-radius:50%;overflow:hidden;position:relative;background:#E3E9E5;box-shadow:0 0 0 4px #fff, 0 0 0 5px var(--line)}
.av-img{width:100%;height:100%;object-fit:cover}
.person .av-ph .ph::before{border-radius:50%;inset:8px}
.person .av-ph .ph{align-items:center;justify-content:center}
.person .av-ph .ph-l{margin:0;padding:4px 6px;font-size:9.5px;text-align:center;background:transparent}
.person{align-items:stretch}
.person > div:last-child{display:flex;flex-direction:column;align-items:flex-start}
.person .tags{margin-bottom:20px}
.person .tlink{margin-top:auto}
.person .role{font-family:var(--f-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--leaf)}
.person h3{font-size:1.25rem;margin:6px 0 8px}
.person p{font-size:14.3px;color:var(--mute);margin:0 0 12px}
.tags{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:12px}
.tags span{font-size:12.5px;padding:5px 10px;border-radius:999px;background:var(--pearl);color:var(--ink-2)}
.eeat{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:16px}
.e4{border-radius:var(--r-lg);padding:26px;background:#fff;border:1px solid var(--line);position:relative;overflow:hidden}
.e4 .L{position:absolute;right:18px;top:10px;font-size:64px;font-weight:700;letter-spacing:-.05em;color:rgba(14,68,54,.07);line-height:1}
.e4 .k{font-family:var(--f-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--leaf)}
.e4 h3{font-size:1.08rem;margin:8px 0 12px}
.e4 ul{list-style:none;display:grid;gap:8px}
.e4 li{display:flex;gap:8px;font-size:14px;line-height:1.45;color:var(--ink-2)}
.e4 li .ico{width:16px;height:16px;margin-top:3px;color:var(--leaf)}
.e-bot{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px}
.e-bot .tbox h3{margin-bottom:18px}
.log{list-style:none;position:relative;display:grid;gap:18px;margin-bottom:26px}
.log::before{content:"";position:absolute;left:6px;top:6px;bottom:6px;width:2px;background:var(--line)}
.log li{position:relative;padding-left:28px;font-size:14.3px;color:var(--mute);line-height:1.5}
.log li::before{content:"";position:absolute;left:0;top:5px;width:14px;height:14px;border-radius:50%;background:#fff;border:3px solid var(--leaf)}
.log li b{display:block;color:var(--ink);font-weight:600;font-family:var(--f-mono);font-size:12.5px;letter-spacing:.04em}
.money{padding:20px 22px;border-radius:18px;background:var(--mint);color:var(--pine-2);font-size:14.3px;line-height:1.55}
.money b{color:var(--pine-3)}
.money p{margin:0 0 8px}
.money p:last-child{margin:0}
@media (max-width:1140px){
  .rev-top{grid-template-columns:1fr}
  .eeat{grid-template-columns:1fr 1fr}
  .tstats{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .plat-g,.themes,.people,.e-bot,.reader{grid-template-columns:1fr}
}
@media (max-width:640px){
  .eeat{grid-template-columns:1fr}
  .person{grid-template-columns:1fr;gap:16px;padding:22px}
  .score{padding:24px}
  .reader-l,.reader-r{padding:24px}
}


/* reviews v8.2 */
.theme.pos-big{background:#fff}
.theme ul.two{display:grid;grid-template-columns:1fr 1fr;gap:14px 22px}
.theme.watch{background:#fff}
.theme.watch h3 i{background:var(--sky-t);color:#24527F}
.fixes{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.fixes > div{padding:16px 18px;border-radius:16px;background:var(--pearl)}
.fixes b{display:block;color:var(--ink);font-weight:600;font-size:14.8px;margin-bottom:4px}
.fixes p{margin:0;font-size:14px;color:var(--mute);line-height:1.5}
.fixes a{font-weight:550;white-space:nowrap}
.plats{display:flex;flex-direction:column;gap:16px}
.theme.watch{flex:1}
.plat-strip{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:12px;align-items:stretch;margin-top:16px;padding:14px;border:1px solid var(--line);border-radius:var(--r-lg);background:#fff}
.ps-intro{padding:8px 10px}
.ps-intro b{display:block;color:var(--ink);font-weight:600;font-size:15px}
.ps-intro p{margin:4px 0 0;font-size:13px;color:var(--mute);line-height:1.45}
.ps{display:flex;flex-direction:column;gap:2px;padding:12px 16px;border-radius:14px;background:var(--pearl);color:inherit}
.ps:hover{background:var(--pearl-2);color:inherit}
.ps .n{font-family:var(--f-mono);font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--mute-2)}
.ps .v{font-size:20px;font-weight:600;color:var(--ink);letter-spacing:-.02em}
.ps .v small{font-size:13px;color:var(--mute);font-weight:400}
.ps .c{font-size:12.5px;color:var(--mute)}
@media (max-width:900px){.plat-strip{grid-template-columns:1fr 1fr}.ps-intro{grid-column:1/-1}}
@media (max-width:640px){.theme ul.two,.fixes{grid-template-columns:1fr}.plat-strip{grid-template-columns:1fr}}


.reader-r .rp-k{font-family:var(--f-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--leaf)}
.rpick{display:flex;gap:6px}
.rpick a{display:grid;place-items:center;width:52px;height:52px;border-radius:14px;background:#fff;border:1px solid var(--line);color:var(--line-2);transition:transform .15s, color .15s, border-color .15s}
.rpick a svg{width:28px;height:28px;fill:currentColor}
.rpick a.on{color:#F2A33A;border-color:#F6CF8E}
.rpick a:hover{transform:translateY(-2px)}
.rp-l{font-weight:600;color:var(--ink);font-size:15px;min-height:22px}
@media (max-width:640px){.rpick a{width:46px;height:46px}.rpick a svg{width:24px;height:24px}}

/* mobile sticky bar */
.mbar{display:none}

/* ---------- Reveal ---------- */
.rv{opacity:0;transform:translateY(16px);transition:opacity .7s ease, transform .7s ease}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}.fc{animation:none}html{scroll-behavior:auto}}

/* ---------- Responsive ---------- */
@media (max-width:1140px){
  .nav,.hdr-cta{display:none}
  .burger{display:inline-flex}
  .mnav{position:fixed;inset:74px 0 0;z-index:49;background:#fff;padding:20px 24px 120px;overflow:auto;display:block;transform:translateY(-8px);opacity:0;visibility:hidden;transition:.2s}
  .mnav.open{transform:none;opacity:1;visibility:visible}
  .mnav a{display:flex;justify-content:space-between;align-items:center;padding:16px 4px;border-bottom:1px solid var(--line);font-size:17px;font-weight:550;color:var(--ink)}
  .mnav .grp{font-family:var(--f-mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--mute-2);margin:26px 4px 4px}
  .mnav .sub a{font-weight:450;font-size:15.5px;color:var(--ink-2);padding:12px 4px}
  .mnav .btn{width:100%;margin-top:24px}
  .hero .wrap{grid-template-columns:1fr;gap:40px}
  .hero-art{max-width:560px;margin:0 auto;width:100%}
  .bento{grid-template-columns:repeat(2,minmax(0,1fr))}
  .tile.t-apr{grid-row:span 1;grid-column:span 2}
  .tile.t-wide{grid-column:span 2}
  .pay-ui{grid-template-columns:1fr}
  .pay-tabs{position:static;flex-direction:row;overflow-x:auto;padding-bottom:6px;scrollbar-width:none}
  .pay-tabs::-webkit-scrollbar{display:none}
  .pay-tab{flex:none;padding:10px 14px}
  .pay-tab small,.pay-tab .tag{display:none}
  .pay-tab i{width:34px;height:34px}
  .calc{grid-template-columns:1fr}
  .di-tips{grid-template-columns:1fr 1fr}
  .loan-card{grid-template-columns:1fr}
  .ftr-top{grid-template-columns:repeat(3,1fr)}
  .ftr-top > div:first-child{grid-column:1/-1}
}
@media (max-width:900px){
  .sec{padding:80px 0}
  .sec.tight{padding:64px 0}
  .sec-head{grid-template-columns:1fr;gap:16px;margin-bottom:40px}
  .notice .n-right{display:none}
  .split,.fees,.faq,.trust,.safe{grid-template-columns:1fr;gap:32px}
  .fees-l,.faq-l{position:static}
  .plans,.provs,.arts{grid-template-columns:1fr 1fr}
  .stepper{grid-template-columns:1fr 1fr;row-gap:36px}
  .stepper::before{display:none}
  .reqs{grid-template-columns:1fr}
  .help{grid-template-columns:1fr}
  .cta-in{grid-template-columns:1fr;padding:44px 32px}
  .proof .wrap{flex-direction:column;align-items:flex-start}
  .proof ul{flex-wrap:wrap;gap:10px 18px}
  .proof .by-t .l1{white-space:normal;display:flex;flex-direction:column}
  .proof .by-t .sep{display:none}
  .wrow,.scale{grid-template-columns:110px 1fr}
  .wrow .ans{grid-column:1/-1;margin-top:-4px}
  .scale div:last-child{display:none}
}
@media (max-width:640px){
  body{font-size:16px}
  .wrap{padding:0 18px}
  .hero{padding-top:44px}
  .hero h1{font-size:clamp(2.35rem,10.5vw,3rem)}
  .hero .lead{font-size:1.05rem}
  .hero-cta .btn{flex:1}
  .tasks-g{grid-template-columns:1fr}
  .hero-art{padding:10px 0 30px 0}
  .fc-pay{left:12px;top:auto;bottom:6px;min-width:0;padding:10px 12px}
  .fc-ring,.fc-bars{display:none}
  .hero-art{padding-bottom:0}
  .fc-pay .v{font-size:18px}
  .fc-ring{right:-6px;width:180px}
  .fc-bars{left:-6px;width:210px}
  .bento{grid-template-columns:1fr 1fr;gap:10px}
  .tile{padding:20px;border-radius:22px}
  .tile.t-wide{grid-column:span 3;flex-direction:column;align-items:flex-start}
  .tile .big{font-size:2rem}
  .tile .mini-ic{display:none}
  .pay-panel{padding:24px}
  .facts{grid-template-columns:1fr}
  .pp-top{flex-direction:column}
  .when{padding:24px 20px}
  .when-h{flex-direction:column;align-items:flex-start}
  .cando{grid-template-columns:1fr}
  .ph-chip{top:auto;bottom:12px;left:12px;padding:8px 12px;font-size:12px}
  .ph-chip b{font-size:13px}
  .ph-chip i{width:30px;height:30px}
  .plans,.provs,.arts{grid-template-columns:1fr}
  .calc-in,.calc-out{padding:22px}
  .res{grid-template-columns:1fr}
  .di-tips{grid-template-columns:1fr}
  .stepper{grid-template-columns:1fr}
  .ticks{grid-template-columns:1fr}
  .loan-l{padding:30px 24px}
  .loan-pts{grid-template-columns:1fr}
  .loan-r{padding:30px 24px}
  .big-pay .v{font-size:44px}
  .locator{flex-direction:column;align-items:flex-start}
  .olist li{grid-template-columns:1fr;gap:2px}
  .frow{grid-template-columns:40px minmax(0,1fr);gap:4px 14px;padding:16px 18px}
  .frow .amt{grid-column:2;text-align:left;font-size:15.5px}
  #chart text{font-size:19px}
  .sbox,.tbox{padding:24px}
  .how4,.meta-dl{grid-template-columns:1fr}
  .hq .ha{padding:0 20px 20px}
  .qa .a{padding-right:0}
  .safe-foot{flex-direction:column;align-items:flex-start}
  .ftr-top{grid-template-columns:1fr 1fr}
  .cta{padding-bottom:80px}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.94);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-top:1px solid var(--line)}
  .mbar .btn{flex:1;height:46px;font-size:14.5px;padding:0 12px}
  .ftr{padding-bottom:96px}
}


/* =========================================================
   Inner pages (v8.2) — page hero, TOC + prose, tables, notes
   ========================================================= */
.nav > a.on,.nav .dd.on > button{color:var(--pine);background:var(--mint)}
.mnav a.on{color:var(--pine)}

/* page hero */
.phero{position:relative;overflow:hidden;background:var(--pearl);padding:40px 0 64px;border-bottom:1px solid var(--line)}
.phero .hero-grid-bg{opacity:.6}
.phero::after{content:"";position:absolute;width:620px;height:620px;right:-180px;top:-260px;background:radial-gradient(closest-side, rgba(125,240,182,.38), rgba(125,240,182,0));pointer-events:none}
.phero .wrap{position:relative;z-index:1}
.crumbs{display:flex;flex-wrap:wrap;gap:6px;align-items:center;font-size:13.5px;color:var(--mute);margin-bottom:34px;list-style:none}
.crumbs li{display:flex;align-items:center;gap:6px}
.crumbs li+li::before{content:"";width:5px;height:5px;border-top:1.5px solid var(--mute-2);border-right:1.5px solid var(--mute-2);transform:rotate(45deg);margin-right:4px}
.crumbs a{color:var(--mute)}
.crumbs a:hover{color:var(--pine)}
.crumbs [aria-current]{color:var(--ink);font-weight:500}
.ph-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:56px;align-items:center}
.ph-grid.solo{grid-template-columns:minmax(0,1fr)}
.phero h1{font-size:clamp(2.3rem,4.6vw,3.7rem);letter-spacing:-.045em;line-height:1.02;margin-bottom:20px;max-width:820px}
.phero h1 em{color:var(--pine)}
.phero h1,.prose h2{overflow-wrap:break-word}
.phero .lead{font-size:1.14rem;color:var(--mute);max-width:640px;margin-bottom:28px}
.phero .lead strong{color:var(--ink);font-weight:550}
.pmeta{display:flex;flex-wrap:wrap;align-items:center;gap:10px 18px;font-size:13.5px;color:var(--mute)}
.pmeta .who{display:flex;align-items:center;gap:10px}
.pmeta .who img{width:34px;height:34px;border-radius:50%;object-fit:cover;box-shadow:0 0 0 2px #fff}
.pmeta .who img+img{margin-left:-16px}
.pmeta b{color:var(--ink);font-weight:550}
.pmeta .dot{width:4px;height:4px;border-radius:50%;background:var(--line-2)}
.pmeta .chk{display:inline-flex;align-items:center;gap:6px}
.pmeta .chk .ico{width:16px;height:16px;color:var(--leaf)}
.ph-cta{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:28px}
.ph-art{position:relative}
.ph-img{border-radius:var(--r-xl);overflow:hidden;aspect-ratio:640/460;box-shadow:var(--sh-3);background:#DDE6E0}
.ph-img img{width:100%;height:100%;object-fit:cover}
.ph-art .fc{animation:none}
.ph-art .fc.tl{left:-22px;top:26px}
.ph-art .fc.br{right:-18px;bottom:-22px}
.glance{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;box-shadow:var(--sh-2)}
.glance .k{font-family:var(--f-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--leaf);margin-bottom:14px;display:block}
.glance dl{margin:0;display:grid;gap:0}
.glance dl div{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-top:1px dashed var(--line);font-size:14.5px}
.glance dl div:first-child{border-top:0}
.glance dt{color:var(--mute)}
.glance dd{margin:0;color:var(--ink);font-weight:600;text-align:right}

/* doc layout */
.doc{padding:72px 0 40px}
.doc .wrap{display:grid;grid-template-columns:240px minmax(0,1fr);gap:64px;align-items:start}
.toc{position:sticky;top:104px;font-size:14px}
.toc .k{font-family:var(--f-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute-2);display:block;margin-bottom:12px}
.toc ol{list-style:none;display:grid;gap:2px;border-left:2px solid var(--line);counter-reset:t}
.toc ol a{display:block;padding:7px 0 7px 16px;margin-left:-2px;border-left:2px solid transparent;color:var(--mute);line-height:1.35;counter-increment:t}
.toc ol a:hover{color:var(--ink)}
.toc ol a.on{color:var(--pine);border-left-color:var(--pine);font-weight:550}
.toc .side-cta{margin-top:26px;padding:20px;border-radius:20px;background:var(--pine);color:rgba(255,255,255,.75);font-size:13.5px;line-height:1.5}
.toc .side-cta b{display:block;color:#fff;font-size:15px;margin-bottom:6px}
.toc .side-cta .btn{width:100%;margin-top:14px;height:42px;font-size:14px}

/* prose */
.prose{max-width:780px;min-width:0}
.prose > section{scroll-margin-top:100px;padding-bottom:20px}
.prose > section + section{margin-top:44px;padding-top:44px;border-top:1px solid var(--line)}
.prose h2{font-size:clamp(1.6rem,2.6vw,2.1rem);letter-spacing:-.03em;margin-bottom:18px}
.prose h3{font-size:1.18rem;margin:28px 0 10px}
.prose p{color:var(--ink-2);margin-bottom:1em}
.prose p.big{font-size:1.1rem;color:var(--mute)}
.prose a{font-weight:550;text-decoration:underline;text-decoration-color:var(--mint-2);text-underline-offset:3px;text-decoration-thickness:2px}
.prose a:hover{text-decoration-color:var(--leaf)}
.prose a.btn,.prose a.tlink,.prose .cardlink a{text-decoration:none}
.prose ul.dots,.prose ol.nums{margin:0 0 1.2em;padding:0;list-style:none;display:grid;gap:10px}
.prose ul.dots li{position:relative;padding-left:24px}
.prose ul.dots li::before{content:"";position:absolute;left:4px;top:.62em;width:7px;height:7px;border-radius:2px;background:var(--leaf)}
.prose ol.nums{counter-reset:n}
.prose ol.nums li{counter-increment:n;position:relative;padding-left:44px;min-height:30px}
.prose ol.nums li::before{content:counter(n);position:absolute;left:0;top:-2px;width:30px;height:30px;border-radius:50%;border:1px solid var(--line-2);display:grid;place-items:center;font-family:var(--f-mono);font-size:13px;color:var(--pine);background:#fff}
.prose b,.prose strong{color:var(--ink);font-weight:600}
.tldr{background:var(--mint);border:1px solid var(--mint-2);border-radius:22px;padding:22px 26px;margin-bottom:8px}
.tldr .k{font-family:var(--f-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--pine);display:block;margin-bottom:10px}
.tldr ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.tldr li{display:flex;gap:10px;font-size:15px;color:var(--pine-2);line-height:1.5}
.tldr li .ico{width:18px;height:18px;margin-top:3px;color:var(--pine);flex:none}
.call{display:flex;gap:14px;padding:18px 20px;border-radius:18px;margin:20px 0;font-size:15px;line-height:1.55;background:var(--pearl);border:1px solid var(--line)}
.call .ico{width:20px;height:20px;margin-top:2px;flex:none;color:var(--pine)}
.call p{margin:0}
.call.tip{background:var(--mint);border-color:var(--mint-2);color:var(--pine-2)}
.call.warn{background:var(--apricot-t);border-color:#FFDCC8;color:#6E3317}
.call.warn .ico{color:var(--apricot-d)}
.call.warn b{color:#5A2810}
.tbl{border:1px solid var(--line);border-radius:18px;overflow:auto;margin:18px 0 22px;background:#fff;-webkit-overflow-scrolling:touch}
.tbl table{width:100%;border-collapse:collapse;font-size:14.5px;min-width:560px}
.tbl th,.tbl td{text-align:left;padding:13px 16px;border-top:1px solid var(--line);vertical-align:top;line-height:1.45}
.tbl thead th{border-top:0;background:var(--pearl);font-family:var(--f-mono);font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--mute-2);font-weight:500}
.tbl tbody th{color:var(--ink);font-weight:600}
.tbl td.n{font-family:var(--f-mono);white-space:nowrap;color:var(--ink)}
.tbl tr.hl{background:var(--mint)}
.tbl .y{color:var(--leaf);font-weight:600}
.tbl .no{color:var(--rose);font-weight:600}
.kf{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:18px 0 22px}
.kf > div{background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px}
.kf .k{font-family:var(--f-mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute-2)}
.kf .v{font-size:22px;font-weight:600;color:var(--ink);letter-spacing:-.03em;margin-top:4px;line-height:1.15}
.kf .s{font-size:13px;color:var(--mute);margin-top:2px}
.method{display:grid;grid-template-columns:52px minmax(0,1fr);gap:18px;padding:22px;border:1px solid var(--line);border-radius:20px;background:#fff;margin:14px 0}
.method i{width:52px;height:52px;border-radius:15px;background:var(--pine);color:var(--glow);display:grid;place-items:center}
.method i .ico{width:24px;height:24px}
.method h3{margin:0 0 6px;font-size:1.12rem}
.method p{margin:0 0 8px;color:var(--mute);font-size:14.8px}
.method .tags{margin:10px 0 0;display:flex;flex-wrap:wrap;gap:6px}
.method .tags span{font-size:12.5px;padding:4px 10px;border-radius:999px;background:var(--pearl);color:var(--ink-2)}
.cmp2{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:18px 0 22px}
.cmp2 > div{border:1px solid var(--line);border-radius:20px;padding:22px;background:#fff}
.cmp2 > div.me{border-color:var(--mint-2);background:linear-gradient(180deg,#fff, var(--mint))}
.cmp2 h3{margin:0 0 12px;font-size:1.1rem}
.cmp2 ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.cmp2 li{display:flex;gap:9px;font-size:14.5px;line-height:1.45}
.cmp2 li .ico{width:17px;height:17px;margin-top:3px;flex:none;color:var(--leaf)}
.cmp2 li.x .ico{color:var(--rose)}
.ask{margin:18px 0;padding:0;list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.ask li{padding:14px 16px;border-radius:16px;background:var(--pearl);font-size:14.5px;line-height:1.45;color:var(--ink-2)}
.ask li b{display:block;font-size:12px;font-family:var(--f-mono);letter-spacing:.06em;text-transform:uppercase;color:var(--leaf);font-weight:500;margin-bottom:4px}
.prose .qa summary{font-size:1.04rem}
.prose .qa .a{padding-right:20px}
.inline-calc{margin:20px 0 6px;border-radius:var(--r-lg);overflow:hidden}
.inline-calc .calc{grid-template-columns:1fr}
.inline-calc.dark{padding:24px}
.related{padding:72px 0 0}
.related h2{font-size:1.6rem;margin-bottom:22px}
.rel-g{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.rel{display:flex;flex-direction:column;gap:6px;padding:22px;border:1px solid var(--line);border-radius:20px;background:#fff;color:inherit;transition:transform .2s, box-shadow .2s}
.rel:hover{transform:translateY(-2px);box-shadow:var(--sh-2);color:inherit}
.rel .k{font-family:var(--f-mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--leaf)}
.rel b{color:var(--ink);font-weight:600;font-size:1.04rem;letter-spacing:-.01em}
.rel span{font-size:14px;color:var(--mute)}
.rel .ico{width:18px;height:18px;color:var(--pine);margin-top:auto;align-self:flex-end}
.pcta{padding:72px 0 104px}
.disc-note{font-size:12.5px;color:var(--mute-2);margin-top:14px;line-height:1.55}
/* apply page */
.apply-wrap{display:grid;grid-template-columns:minmax(0,1fr) 520px;gap:48px;align-items:start}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);box-shadow:var(--sh-2);padding:28px;min-height:520px;position:relative}
.form-card .fh{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px}
.form-card .fh b{font-size:1.1rem;color:var(--ink)}
.form-card .fh span{display:inline-flex;align-items:center;gap:6px;font-size:12.5px;color:var(--leaf)}
.form-card .fh .ico{width:16px;height:16px}
#_lg_form_{min-height:420px}
.form-skel{position:absolute;inset:76px 28px 28px;display:grid;gap:12px;align-content:start;pointer-events:none}
.form-skel i{height:48px;border-radius:12px;background:linear-gradient(90deg,var(--pearl),var(--pearl-2),var(--pearl));background-size:200% 100%;animation:sk 1.4s linear infinite}
.form-skel i.s{height:18px;width:40%}
#_lg_form_:not(:empty) + .form-skel{display:none}
@keyframes sk{to{background-position:-200% 0}}
.apply-points{display:grid;gap:12px;margin:26px 0}
.apply-points.four{grid-template-columns:repeat(4,1fr);margin:0}
.apply-points div{display:flex;gap:14px;align-items:flex-start;padding:16px;border-radius:18px;background:#fff;border:1px solid var(--line)}
.apply-points i{width:40px;height:40px;border-radius:12px;background:var(--mint);color:var(--pine);display:grid;place-items:center;flex:none}
.apply-points i .ico{width:19px;height:19px}
.apply-points b{display:block;color:var(--ink);font-weight:600}
.apply-points span{font-size:14px;color:var(--mute)}
@media (max-width:1140px){
  .ph-grid{grid-template-columns:1fr;gap:36px}
  .doc .wrap{grid-template-columns:1fr;gap:28px}
  .toc{position:static}
  .toc ol{grid-template-columns:1fr 1fr;border-left:0;gap:4px 16px}
  .toc ol a{border-left:0;padding:6px 0;margin:0}
  .toc .side-cta{display:none}
  .apply-wrap{grid-template-columns:1fr}
  .apply-points.four{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .rel-g{grid-template-columns:1fr 1fr}
  .kf{grid-template-columns:1fr 1fr}
  .cmp2,.ask{grid-template-columns:1fr}
}
@media (max-width:640px){
  .phero{padding:28px 0 48px}
  .crumbs{margin-bottom:24px}
  .phero h1{font-size:clamp(2rem,9vw,2.6rem)}
  .ph-art .fc.tl{left:-6px;top:12px}
  .ph-art .fc.br{right:-6px;bottom:-14px}
  .doc{padding:48px 0 24px}
  .toc ol{grid-template-columns:1fr}
  .rel-g,.kf{grid-template-columns:1fr}
  .method{grid-template-columns:1fr;gap:12px}
  .form-card{padding:18px}
  .apply-points.four{grid-template-columns:1fr}
  .form-skel{inset:70px 18px 18px}
}

/* =========================================================
   Apply page v2 — dark hero + form card
   ========================================================= */
.ap-hero{position:relative;overflow:hidden;background:var(--pine-3);color:rgba(255,255,255,.75);padding:36px 0 96px}
.ap-hero::before{content:"";position:absolute;width:900px;height:900px;right:-260px;top:-380px;background:radial-gradient(closest-side, rgba(125,240,182,.22), transparent);pointer-events:none}
.ap-hero::after{content:"";position:absolute;width:700px;height:700px;left:-300px;bottom:-420px;background:radial-gradient(closest-side, rgba(255,180,140,.12), transparent);pointer-events:none}
.ap-lines{position:absolute;inset:0;width:100%;height:100%;pointer-events:none}
.ap-hero .wrap{position:relative;z-index:1}
.crumbs.dark-c{margin-bottom:40px;color:rgba(255,255,255,.55)}
.crumbs.dark-c a{color:rgba(255,255,255,.6)}
.crumbs.dark-c a:hover{color:var(--glow)}
.crumbs.dark-c [aria-current]{color:#fff}
.crumbs.dark-c li+li::before{border-color:rgba(255,255,255,.35)}
.ap-grid{display:grid;grid-template-columns:minmax(0,1fr) 500px;gap:64px;align-items:start}
.ap-copy{padding-top:24px}
.ap-pill{display:inline-flex;align-items:center;gap:10px;padding:6px 14px 6px 6px;border-radius:999px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);font-size:13.5px;color:rgba(255,255,255,.8);margin-bottom:26px}
.ap-pill b{white-space:nowrap;background:var(--glow);color:var(--pine-4);font-family:var(--f-mono);font-size:11.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;padding:4px 10px;border-radius:999px}
.ap-hero h1{color:#fff;font-size:clamp(2.5rem,5vw,4.3rem);letter-spacing:-.045em;line-height:1;margin-bottom:24px}
.ap-hero h1 em{color:var(--glow);display:block}
.ap-lead{font-size:1.14rem;line-height:1.6;color:rgba(255,255,255,.72);max-width:560px;margin-bottom:28px}
.ap-lead b{color:#fff;font-weight:550}
.ap-checks{list-style:none;display:grid;gap:12px;margin-bottom:34px}
.ap-checks li{display:flex;align-items:center;gap:12px;font-size:15.5px;color:rgba(255,255,255,.85)}
.ap-checks li b{color:#fff;font-weight:600}
.ap-checks .ico{width:24px;height:24px;padding:4px;border-radius:50%;background:rgba(125,240,182,.16);color:var(--glow);stroke-width:2.4}
.ap-people{display:flex;align-items:center;gap:14px;padding-top:26px;border-top:1px solid rgba(255,255,255,.1);font-size:14px}
.ap-people .avs{display:flex;flex:none}
.ap-people .avs img{width:40px;height:40px;border-radius:50%;object-fit:cover;box-shadow:0 0 0 2px var(--pine-3)}
.ap-people .avs img+img{margin-left:-12px}
.ap-people a{color:#fff}
.ap-people a:hover{color:var(--glow)}
.ap-people small{display:block;color:rgba(255,255,255,.5);font-size:12.5px;margin-top:2px}
.ap-formwrap{position:relative}
.ap-formwrap::before{content:"";position:absolute;inset:-14px;border-radius:44px;background:linear-gradient(160deg,rgba(125,240,182,.35),rgba(125,240,182,0) 45%,rgba(255,180,140,.18));filter:blur(18px);opacity:.7;pointer-events:none}
.ap-form{position:relative;background:#fff;border-radius:32px;box-shadow:0 40px 90px -30px rgba(0,0,0,.6);overflow:hidden;color:var(--ink-2)}
.ap-fh{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:24px 28px 18px;border-bottom:1px solid var(--line)}
.ap-fh b{display:block;font-size:1.3rem;font-weight:650;color:var(--ink);letter-spacing:-.02em}
.ap-fh div span{font-size:13px;color:var(--mute)}
.ap-badge{display:inline-flex;align-items:center;gap:6px;font-size:12.5px;font-weight:550;color:var(--pine);background:var(--mint);padding:7px 12px;border-radius:999px;white-space:nowrap}
.ap-badge .ico{width:15px;height:15px}
.ap-fbody{position:relative;padding:22px 28px;min-height:460px}
.ap-fbody #_lg_form_{position:relative;z-index:1;min-height:420px}
.ap-fbody .form-skel{inset:22px 28px}
.form-skel i.btn-s{height:54px;border-radius:999px;background:linear-gradient(90deg,var(--mint),#E9F9F0,var(--mint));background-size:200% 100%}
.ap-ff{display:flex;justify-content:center;flex-wrap:wrap;gap:8px 20px;padding:14px 20px;background:var(--pearl);border-top:1px solid var(--line);font-size:12.5px;color:var(--mute)}
.ap-ff span{display:inline-flex;align-items:center;gap:6px}
.ap-ff .ico{width:15px;height:15px;color:var(--leaf)}
.ap-trust{position:relative;z-index:2;margin-top:-44px}
.ap-trust ul{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:var(--sh-2);overflow:hidden}
.ap-trust li{display:flex;align-items:center;gap:14px;padding:22px 24px;border-left:1px solid var(--line)}
.ap-trust li:first-child{border-left:0}
.ap-trust .ico{width:44px;height:44px;padding:11px;border-radius:14px;background:var(--mint);color:var(--pine);flex:none}
.ap-trust b{display:block;color:var(--ink);font-weight:600;font-size:15.5px;letter-spacing:-.01em}
.ap-trust span{font-size:13px;color:var(--mute);line-height:1.35}
.ap-steps{list-style:none;display:grid;grid-template-columns:repeat(3,1fr);gap:16px;counter-reset:x;position:relative}
.ap-steps li{position:relative;padding:30px;border-radius:var(--r-lg);border:1px solid var(--line);background:#fff;overflow:hidden}
.ap-steps li .n{position:absolute;right:20px;top:6px;font-size:84px;font-weight:700;letter-spacing:-.06em;color:rgba(14,68,54,.06);line-height:1}
.ap-steps li i{width:54px;height:54px;border-radius:16px;background:var(--pine);color:var(--glow);display:grid;place-items:center;margin-bottom:22px}
.ap-steps li i .ico{width:24px;height:24px}
.ap-steps h3{font-size:1.2rem;margin-bottom:8px}
.ap-steps p{margin:0;color:var(--mute);font-size:14.8px}
.ap-steps li:not(:last-child)::after{content:"";position:absolute;right:-9px;top:56px;width:18px;height:18px;border-top:2px solid var(--line-2);border-right:2px solid var(--line-2);transform:rotate(45deg);background:var(--pearl);z-index:2;display:none}
.ap-est-grid{display:grid;grid-template-columns:minmax(0,1fr) 460px;gap:64px;align-items:center}
.ap-est{border-radius:28px;box-shadow:var(--sh-3)}
.ap-example{padding:22px 24px;border-radius:20px;background:#fff;border:1px solid var(--line)}
.ap-example .k{font-family:var(--f-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--leaf);display:block;margin-bottom:8px}
.ap-example p{margin:0;font-size:14.8px;color:var(--mute)}
.ap-example b{color:var(--ink)}
.uses{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.use{position:relative;margin:0;border-radius:var(--r-lg);overflow:hidden;aspect-ratio:640/420;background:#DDE6E0}
.use img{width:100%;height:100%;object-fit:cover;transition:transform .6s ease}
.use:hover img{transform:scale(1.05)}
.use figcaption{position:absolute;left:14px;bottom:14px;display:flex;flex-direction:column;padding:10px 14px;max-width:calc(100% - 28px);border-radius:16px;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}
.use figcaption b{color:var(--ink);font-weight:600;font-size:15px}
.use figcaption span{font-size:13px;color:var(--mute)}
.ap-cmp{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:56px;align-items:center}
.ap-ct table{min-width:520px}
.ap-cmp .ctable td .no{color:var(--rose);font-weight:550}
.ap-cmp .ctable thead th:nth-child(2){color:var(--pine)}
.ap-cmp .ctable td:nth-child(2){background:rgba(221,245,232,.45)}
.ap-need{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.ap-box{padding:36px;border-radius:var(--r-xl);border:1px solid var(--line);background:#fff}
.ap-box h2{font-size:clamp(1.7rem,2.8vw,2.3rem)}
.ap-box.dark{background:var(--pine-3);border-color:var(--pine-3);color:rgba(255,255,255,.72)}
.ap-box.dark h2{color:#fff}
.ap-box.dark h2 em{color:var(--glow)}
.ap-box.dark .eyebrow{color:var(--glow)}
.ap-priv{list-style:none;display:grid;gap:16px;margin-top:22px}
.ap-priv li{display:flex;gap:14px;font-size:14.5px;line-height:1.5}
.ap-priv .ico{width:40px;height:40px;padding:10px;border-radius:12px;background:rgba(125,240,182,.12);color:var(--glow);flex:none}
.ap-priv b{display:block;color:#fff;font-weight:600}
.ap-priv a{color:var(--glow)}
.faq-l .btn{margin-top:4px}
.ap-disc{padding:40px 0 64px;background:var(--pearl)}
.ap-disc h2{font-size:1rem;letter-spacing:0;margin-bottom:10px;color:var(--ink)}
.ap-disc p{font-size:13px;line-height:1.7;color:var(--mute);max-width:980px;margin:0}
@media (max-width:1140px){
  .ap-grid{grid-template-columns:1fr;gap:28px}
  .ap-copy{padding-top:0}
  .ap-formwrap{max-width:560px}
  .ap-trust ul{grid-template-columns:1fr 1fr}
  .ap-trust li:nth-child(3){border-left:0}
  .ap-trust li:nth-child(n+3){border-top:1px solid var(--line)}
  .ap-est-grid,.ap-cmp{grid-template-columns:1fr;gap:32px}
}
@media (max-width:900px){
  .ap-steps,.uses{grid-template-columns:1fr 1fr}
  .ap-need{grid-template-columns:1fr}
}
@media (max-width:640px){
  .ap-hero{padding:24px 0 80px}
  .crumbs.dark-c{margin-bottom:24px}
  .ap-hero h1{font-size:clamp(2.2rem,10vw,2.8rem)}
  .ap-lead{font-size:1.02rem}
  .ap-checks{margin-bottom:0}
  .ap-people{display:none}
  .ap-fh{padding:18px 18px 14px}
  .ap-fh b{font-size:1.15rem}
  .ap-fbody{padding:16px 18px}
  .ap-fbody .form-skel{inset:16px 18px}
  .ap-trust ul{grid-template-columns:1fr}
  .hide-m{display:none}
  .ap-ct table{min-width:0;font-size:13.5px}
  .ap-ct th,.ap-ct td{padding:12px 10px}
  .ap-ct tbody th{white-space:normal}
  .ap-trust li{border-left:0!important;border-top:1px solid var(--line);padding:16px 18px}
  .ap-trust li:first-child{border-top:0}
  .ap-steps,.uses{grid-template-columns:1fr}
  .ap-box{padding:26px}
}

/* =========================================================
   Company / legal / reviews / articles (v8.4)
   ========================================================= */
.arts{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.art{display:flex;flex-direction:column;border-radius:var(--r-lg);overflow:hidden;background:#fff;border:1px solid var(--line);color:inherit;transition:transform .2s, box-shadow .2s}
.art:hover{transform:translateY(-3px);box-shadow:var(--sh-2);color:inherit}
.art .gi{aspect-ratio:800/500;background:#DDE6E0;overflow:hidden}
.art .gi img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.art:hover .gi img{transform:scale(1.04)}
.art .gb{padding:22px 24px 24px;display:flex;flex-direction:column;flex:1}
.art .gt{font-family:var(--f-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--leaf);margin-bottom:10px}
.art h3{font-size:1.15rem;margin-bottom:8px}
.art p{font-size:14.5px;color:var(--mute);margin:0 0 16px}
.art .rm{margin-top:auto;font-size:13px;color:var(--mute-2);display:flex;justify-content:space-between;align-items:center}
.art .rm .ico{width:17px;height:17px;color:var(--pine)}
.cform{display:grid;gap:16px;margin:20px 0 8px;padding:28px;border:1px solid var(--line);border-radius:var(--r-lg);background:#fff;box-shadow:var(--sh-1)}
.cform .f2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.cform label{display:grid;gap:7px;font-size:14px;font-weight:550;color:var(--ink)}
.cform input:not([type=radio]):not([type=checkbox]),.cform select,.cform textarea{font:inherit;font-weight:400;font-size:15px;color:var(--ink);width:100%;padding:13px 14px;border:1px solid var(--line-2);border-radius:12px;background:var(--pearl);transition:border-color .15s, box-shadow .15s, background .15s}
.cform textarea{resize:vertical;min-height:120px}
.cform input:focus,.cform select:focus,.cform textarea:focus{outline:none;border-color:var(--leaf);background:#fff;box-shadow:0 0 0 4px rgba(23,133,95,.12)}
.cform label.chk{display:flex;gap:10px;align-items:flex-start;font-weight:400;color:var(--mute);font-size:14px}
.cform label.chk input{margin-top:3px;accent-color:var(--pine);width:17px;height:17px}
.cform .btn{justify-self:start}
.rgroup .lab{display:block;font-size:14px;font-weight:550;color:var(--ink);margin-bottom:8px}
.rstars{display:flex;flex-direction:row-reverse;justify-content:flex-end;gap:6px}
.rstar{position:relative;cursor:pointer;display:block!important}
.rstar input{position:absolute;opacity:0;width:1px;height:1px}
.rstar > span[aria-hidden]{display:grid;place-items:center;width:52px;height:52px;border-radius:14px;border:1px solid var(--line);background:#fff;color:var(--line-2);transition:.15s}
.rstar svg{width:28px;height:28px;fill:currentColor}
.rstar:hover > span[aria-hidden],.rstar:hover ~ .rstar > span[aria-hidden],.rstar input:checked ~ span[aria-hidden],.rstar:has(input:checked) ~ .rstar > span[aria-hidden]{color:#F2A33A;border-color:#F6CF8E}
.rstar input:focus-visible ~ span[aria-hidden]{outline:2.5px solid var(--leaf);outline-offset:2px}
.empty-rev{display:flex;flex-direction:column;align-items:center;text-align:center;gap:6px;padding:40px 24px;border:1.5px dashed var(--line-2);border-radius:var(--r-lg);color:var(--mute)}
.empty-rev .ico{width:34px;height:34px;color:#F2A33A;margin-bottom:6px}
.empty-rev b{color:var(--ink);font-size:1.05rem}
.prose .people .person{margin:0}
.err-hero{min-height:62vh;display:flex;align-items:center}
.err-hero .big404{font-size:clamp(5rem,14vw,10rem);font-weight:700;letter-spacing:-.06em;line-height:.9;color:var(--pine);margin-bottom:12px}
.err-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}
@media (max-width:900px){.arts{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.arts{grid-template-columns:1fr}.cform{padding:20px}.cform .f2{grid-template-columns:1fr}.rstar > span[aria-hidden]{width:46px;height:46px}}

.mailcard{display:grid;grid-template-columns:52px minmax(0,1fr) auto;gap:18px;align-items:center;margin:20px 0 6px;padding:24px;border:1px solid var(--line);border-radius:var(--r-lg);background:#fff;box-shadow:var(--sh-1)}
.mailcard i{width:52px;height:52px;border-radius:16px;background:var(--mint);color:var(--pine);display:grid;place-items:center}
.mailcard i .ico{width:24px;height:24px}
.mailcard b{display:block;color:var(--ink);font-size:1.08rem;margin-bottom:4px}
.mailcard span{font-size:14.5px;color:var(--mute);line-height:1.5}
@media (max-width:900px){.mailcard{grid-template-columns:52px minmax(0,1fr)}.mailcard .btn{grid-column:1/-1;justify-self:start;white-space:normal;height:auto;min-height:50px;padding:12px 22px}}