/* Instant Money Mortgage, design system v2 (modern bank)
   Type: Figtree (one family, weights 400–800). Fonts are self-hosted, SIL OFL.
   Palette:
     Lakeshore Blue  #1b6fd8  primary actions, links
     Harbor Blue     #1557b0  hover / pressed
     Clear Sky       #5aa9f5  highlights, icons
     Morning Sky     #eaf3fe  tinted surfaces
     Mist            #f5f8fc  alternate sections, footer
     Deep Harbor     #0c2c4f  headings, logo
     Slate           #3a4b5e  body text
*/
@font-face{font-family:'Figtree';src:url(fonts/figtree.woff2) format('woff2');font-weight:300 900;font-style:normal;font-display:swap}
@font-face{font-family:'Geist Mono';src:url(fonts/geist-mono-500.woff2) format('woff2');font-weight:500;font-style:normal;font-display:swap}

:root{
  --navy:#082a57; --ink:#142538; --text:#3a4b5e; --muted:#66788c; --soft:#8a99aa;
  --blue:#1b6fd8; --blue-d:#1557b0; --blue-l:#5aa9f5; --sky:#eaf3fe; --sky-2:#d5e7fc;
  --bg:#ffffff; --mist:#f5f8fc; --line:#dde6f0; --line-2:#c9d6e4;
  --green:#138a5e; --green-t:#e5f5ee; --amber:#a86a00; --amber-t:#fff4df; --red:#b3372b; --red-t:#fdecea;
  --r:10px; --r-sm:8px; --r-lg:14px;
  --shadow:0 1px 2px rgba(12,44,79,.06),0 4px 14px rgba(12,44,79,.06);
  --shadow-lg:0 2px 6px rgba(12,44,79,.06),0 18px 40px rgba(12,44,79,.10);
  --max:1200px;
  --font:'Figtree',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --mono:'Geist Mono',ui-monospace,SFMono-Regular,Menlo,monospace;
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font:400 17px/1.6 var(--font);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{color:var(--blue-d);text-decoration:underline;text-underline-offset:3px}
h1,h2,h3,h4{font-family:var(--font);color:var(--navy);margin:0 0 .5em;text-wrap:balance}
h1{font-size:clamp(2.1rem,4.2vw,3.25rem);font-weight:700;line-height:1.12;letter-spacing:-.022em}
h2{font-size:clamp(1.6rem,2.6vw,2.15rem);font-weight:700;line-height:1.2;letter-spacing:-.018em}
h3{font-size:1.2rem;font-weight:700;line-height:1.3;letter-spacing:-.01em}
h4{font-size:1rem;font-weight:700}
p{margin:0 0 1em}
b,strong{font-weight:700;color:var(--ink)}
.wrap{max-width:var(--max);margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.narrow{max-width:820px}
.eyebrow{display:block;font:600 .95rem/1.3 var(--font);color:var(--blue);margin-bottom:10px}
.lede{font-size:1.15rem;line-height:1.6;color:var(--text);max-width:62ch}
.muted{color:var(--muted)}
.small{font-size:.88rem}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 14px;z-index:99}
.skip:focus{left:10px}
:focus-visible{outline:3px solid var(--blue-l);outline-offset:2px;border-radius:6px}

/* ---------- Header ---------- */
.topbar{background:var(--mist);border-bottom:1px solid var(--line);font-size:.84rem;color:var(--muted)}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:38px;gap:12px}
.topbar a{color:var(--navy);font-weight:600}
.topbar .tb-left{display:flex;gap:22px;align-items:center}
.dot{width:7px;height:7px;border-radius:50%;background:var(--green);display:inline-block;margin-right:7px;vertical-align:1px}
header.site{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:#fff;border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;gap:20px}
.logo{display:flex;align-items:center;flex:none}
.logo:hover{text-decoration:none}
header.site .logo img{height:52px;width:auto;display:block}
footer.site .logo img{height:56px;width:auto;display:block}
nav.main{display:flex;align-items:center;gap:2px}
nav.main>.dd{position:relative}
nav.main>.dd>button,nav.main>a{background:none;border:0;font:600 .97rem var(--font);color:var(--navy);padding:10px 13px;border-radius:8px;cursor:pointer;display:flex;align-items:center;gap:6px}
nav.main>.dd>button:hover,nav.main>a:hover{background:var(--sky);color:var(--blue-d);text-decoration:none}
nav.main>.dd>button::after{content:"";width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);opacity:.55}
.mega{position:absolute;top:calc(100% + 10px);left:-16px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-lg);padding:22px 24px;display:none;gap:32px;min-width:600px}
.dd:hover .mega,.dd:focus-within .mega,.dd.open .mega{display:grid;grid-template-columns:1fr 1fr}
.mega .fhead{font-size:.8rem;color:var(--muted);font-weight:600;margin:0 0 8px}
.mega a{display:block;padding:7px 0;color:var(--navy);font-weight:600;font-size:.95rem}
.mega a small{display:block;color:var(--muted);font-size:.82rem;font-weight:400;line-height:1.35;margin-top:1px}
.mega a:hover{color:var(--blue);text-decoration:none}
.hdr-cta{display:flex;gap:10px;align-items:center}
.menu-btn{display:none;background:#fff;border:1px solid var(--line-2);border-radius:10px;width:44px;height:44px;cursor:pointer}
.menu-btn span{display:block;width:18px;height:2px;background:var(--navy);margin:4px auto;border-radius:2px}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 1rem/1 var(--font);padding:14px 24px;border-radius:10px;border:1px solid transparent;cursor:pointer;transition:background .15s,border-color .15s,color .15s,box-shadow .15s;white-space:nowrap}
.btn:hover{text-decoration:none}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 2px 8px rgba(26,127,224,.25)}
.btn-primary:hover{background:var(--blue-d);color:#fff;box-shadow:0 4px 12px rgba(26,127,224,.35)}
.btn-ghost{border-color:var(--blue);color:var(--blue);background:#fff;box-shadow:0 2px 8px rgba(13,42,82,.12)}
.btn-ghost:hover{background:var(--sky);color:var(--blue-d);box-shadow:0 4px 12px rgba(13,42,82,.18)}
/* ---- Button row with proper spacing ---- */
.btn-row{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:#163d68;color:#fff}
.btn-light{background:#fff;color:var(--navy);border-color:var(--line-2)}
.btn-light:hover{border-color:var(--navy)}
.btn-sm{padding:11px 18px;font-size:.92rem}
.btn .arr{display:none}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(180deg,rgba(255,255,255,.92) 0%,rgba(244,249,255,.88) 70%,rgba(255,255,255,.96) 100%),url('/hero-miami.jpg') center 35%/cover no-repeat;padding:84px 0 92px;border-bottom:1px solid var(--line)}
.hero .grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.hero h1 em{font-style:normal;color:var(--blue)}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0 26px}
.trustline{display:flex;flex-direction:column;gap:10px;color:var(--muted);font-size:.92rem}
.trustline span{display:flex;align-items:center;gap:10px;margin:0;line-height:1.5}
.trustline svg{width:18px;height:18px;color:var(--green);flex:none}

.starter{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);padding:28px}
.starter h2{font-size:1.4rem;margin-bottom:4px}
.seg{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line-2);border-radius:10px;overflow:hidden;margin:18px 0}
.seg button{border:0;border-right:1px solid var(--line-2);background:#fff;padding:12px 6px;font:600 .94rem var(--font);color:var(--text);cursor:pointer}
.seg button:last-child{border-right:0}
.seg button[aria-selected=true]{background:var(--blue);color:#fff}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px;min-width:0}
.field label{font:600 .88rem var(--font);color:var(--ink)}
.field input,.field select,.field textarea{font:500 1rem var(--font);padding:13px 14px;border:1px solid var(--line-2);border-radius:8px;background:#fff;color:var(--ink);width:100%;min-height:50px}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(27,111,216,.18)}
.check-group{display:flex;flex-wrap:wrap;gap:10px 20px}
.check-group label{display:flex;align-items:center;gap:8px;font:500 .95rem var(--font);color:var(--ink);cursor:pointer}
.check-group input[type=checkbox]{width:18px;height:18px;accent-color:var(--blue);cursor:pointer}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.fine{font-size:.78rem;color:var(--soft);line-height:1.5;margin-top:12px}

/* ---------- Sections ---------- */
section.s{padding:64px 0}
section.s.tight{padding:44px 0}
section.alt{background:var(--mist);border-block:1px solid var(--line)}
section.dark{background:var(--sky);border-block:1px solid var(--sky-2)}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:28px;margin-bottom:32px}
.sec-head h2{margin:0}
.sec-head p{max-width:52ch;margin:0;color:var(--muted)}
.grid3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.grid4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.grid2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;transition:border-color .15s,box-shadow .15s;min-width:0}
a.card{color:var(--text);display:flex;flex-direction:column}
a.card:hover{border-color:var(--blue);box-shadow:var(--shadow);text-decoration:none}
.card .tag{font:600 .8rem var(--font);color:var(--blue);margin-bottom:8px;display:block}
.card .tag.gold{color:var(--green)}
.card h3{margin-bottom:8px;color:var(--navy)}
.card p{color:var(--muted);font-size:.96rem;margin:0;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.card .go,.card .more{display:block;margin-top:auto;padding-top:16px;font:700 .95rem var(--font);color:var(--blue)}
.ico{width:44px;height:44px;border-radius:12px;background:var(--sky);color:var(--blue);display:grid;place-items:center;margin-bottom:14px}
.ico svg{width:22px;height:22px}
/* ---- Compact stat grid (2x2 on mobile, 4 across on desktop) ---- */
.stat-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.stat-cell{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 14px;text-align:center;display:flex;flex-direction:column;align-items:center;gap:6px}
.stat-cell .stat-ico{width:36px;height:36px}
.stat-cell .stat-num{font-size:1.6rem}
.stat-cell b{font-size:.92rem}
@media(max-width:760px){.stat-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
/* ---- Horizontal swipe carousel ---- */
.swipe-row{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(240px,300px);gap:16px;overflow-x:auto;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;padding:4px 4px 16px;scrollbar-width:thin}
.swipe-row .card{scroll-snap-align:start}
.swipe-wrap{position:relative}
.swipe-wrap::after{content:"";position:absolute;top:0;right:0;bottom:16px;width:40px;background:linear-gradient(to right,transparent,rgba(255,255,255,.9));pointer-events:none}
@media(max-width:760px){.swipe-row{grid-auto-columns:minmax(220px,78vw)}}

/* ---- HTML site map ---- */
.smap{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.smap-sec{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.smap-sec h2{font-size:1.08rem;margin:0 0 10px;padding-bottom:8px;border-bottom:2px solid var(--sky)}
.smap-sec ul{margin:0}
@media(max-width:1060px){.smap{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.smap{grid-template-columns:1fr}}

/* ---- Comparison tables ---- */
table.spec.cmp3 th.us,table.spec.cmp3 td.us{background:var(--sky);font-weight:600;color:var(--navy)}
table.spec.cmp3 thead th.us{background:var(--navy);color:#fff;font-weight:700}
/* Mobile: keep table horizontal but compact enough to fit without scrolling */
@media(max-width:760px){
  table.spec.cmp3{font-size:.72rem;table-layout:fixed;width:100%}
  table.spec.cmp3 th,table.spec.cmp3 td{padding:8px 6px;word-wrap:break-word;overflow-wrap:break-word}
  table.spec.cmp3 thead th{font-size:.68rem;line-height:1.25}
  table.spec.cmp3 th[scope=row]{font-size:.72rem}
}

/* ---- Site search ---- */
.search-wrap{position:relative}
.search-toggle{display:grid;place-items:center;width:40px;height:40px;border:1px solid var(--line-2);border-radius:10px;background:#fff;cursor:pointer;color:var(--navy)}
.search-toggle:hover{border-color:var(--blue);color:var(--blue)}
.search-toggle svg{width:19px;height:19px}
.search-pop{position:absolute;top:calc(100% + 10px);right:0;width:min(420px,calc(100vw - 40px));background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-lg);padding:14px;z-index:80}
.search-pop input[type=search]{width:100%;font:500 1rem var(--font);padding:12px 14px;border:1px solid var(--line-2);border-radius:8px;color:var(--ink)}
.search-pop input[type=search]:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(27,111,216,.18)}
.search-results{max-height:380px;overflow:auto;margin-top:10px}
.sr-row{display:flex;gap:10px;align-items:baseline;padding:10px 8px;border-radius:8px;color:var(--navy)}
.sr-row:hover,.sr-row.on{background:var(--sky);text-decoration:none}
.sr-type{flex:none;font:700 .72rem var(--font);color:var(--blue);background:var(--sky);border-radius:6px;padding:3px 8px;white-space:nowrap}
.sr-t{font-size:.94rem;font-weight:500}
.sr-empty{padding:14px 8px;color:var(--muted);font-size:.94rem}
.search-all{display:block;text-align:center;margin-top:10px;font-weight:700;font-size:.94rem}
#search-page-q{width:100%;font:500 1.1rem var(--font);padding:15px 18px;border:1px solid var(--line-2);border-radius:10px;color:var(--ink);margin:18px 0 6px}
#search-page-q:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(27,111,216,.18)}
@media(max-width:1060px){.search-pop{position:fixed;top:118px;left:12px;right:12px;width:auto}}

/* ---- Help center categories ---- */
.cat-sec{border-top:1px solid var(--line);scroll-margin-top:90px}

/* ---- Compact state pills (Where we lend) ---------- */
.state-pills{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:26px 0 0}
.state-pills a{display:inline-flex;align-items:center;padding:9px 18px;border:1px solid var(--line-2);border-radius:999px;background:#fff;color:var(--navy);font:600 .94rem var(--font);transition:border-color .15s,color .15s,box-shadow .15s}
.state-pills a:hover{border-color:var(--blue);color:var(--blue);text-decoration:none;box-shadow:var(--shadow)}

.values{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.stat-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 24px;box-shadow:var(--shadow);min-width:0;transition:box-shadow .25s ease}
.stat-card:hover{box-shadow:var(--shadow-lg)}
html.anim .stat-card{opacity:0;transform:translateY(18px);transition:opacity .55s ease,transform .55s ease,box-shadow .25s ease;transition-delay:calc(var(--d,0)*90ms),calc(var(--d,0)*90ms),0ms}
html.anim .stat-card.in{opacity:1;transform:none}
html.anim .stat-card.in:hover{transform:translateY(-5px)}
.stat-ico{width:46px;height:46px;border-radius:13px;background:var(--sky);color:var(--blue);display:grid;place-items:center;margin-bottom:16px}
.stat-ico svg{width:23px;height:23px}
.stat-num{display:block;font:800 2.7rem/1 var(--font);color:var(--navy);letter-spacing:-.02em;font-variant-numeric:tabular-nums;margin-bottom:8px}
.stat-num .suffix{font-size:1.35rem;color:var(--blue);font-weight:700;margin-left:2px}
.stat-card b{display:block;color:var(--navy);font-size:1.02rem;margin-bottom:4px}
.stat-card p{margin:0;font-size:.9rem;color:var(--muted);line-height:1.5}

.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:24px;padding:0;margin:0}
.steps li{list-style:none}
.steps li::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;font:700 1rem var(--font);margin-bottom:14px}
.steps h3{margin-bottom:6px}

/* ---------- Content pages ---------- */
.crumbs{font-size:.88rem;color:var(--muted);padding-top:18px}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li::before{content:"›";margin-right:6px;color:var(--soft)}
.crumbs a{color:var(--muted)}
.page-hero{padding:44px 0 60px;background:linear-gradient(135deg,#081426 0%,#0e2a52 55%,#0a1c38 100%);border-bottom:1px solid #081426;color:#fff;position:relative;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(600px 300px at 20% 30%,rgba(40,110,200,.25),transparent 70%);pointer-events:none}
.page-hero .wrap{position:relative}
.page-hero h1{color:#fff;margin-bottom:12px}
.page-hero .lede{color:#b9cde6;font-size:1.12rem;max-width:62ch}
.page-hero .eyebrow{color:#8fc2f5}
.page-hero a{color:#a9d1f7}
.page-hero a:hover{color:#fff}
.page-hero .meta-line{color:#93a9c6}
.page-hero .meta-line a{color:#a9d1f7}
.page-hero .grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;align-items:start}
.answer{border:1px solid var(--sky-2);background:#fff;padding:18px 20px;border-radius:var(--r-sm);font-size:1.06rem;color:var(--ink);margin:18px 0;max-width:72ch;box-shadow:var(--shadow)}
.answer strong{display:block;font:700 .85rem var(--font);color:var(--blue);margin-bottom:6px}
.meta-line{display:flex;flex-wrap:wrap;gap:6px 18px;font-size:.86rem;color:var(--muted);margin-top:14px}
.meta-line span{display:flex;align-items:center;gap:6px}
.meta-line svg{color:var(--green)}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:56px;padding:52px 0 80px}
.prose{min-width:0}
.prose h2{margin-top:1.9em;font-size:1.6rem}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.4em}
.prose ul,.prose ol{padding-left:1.25em}
.prose li{margin-bottom:.45em}
.checks{list-style:none;padding:0!important}
.checks li{position:relative;padding-left:32px}
.checks li::before{content:"";position:absolute;left:0;top:.3em;width:20px;height:20px;border-radius:50%;background:var(--green-t) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none' stroke='%23138a5e' stroke-width='2.6'%3E%3Cpath d='M5 10.5l3.2 3L15 7'/%3E%3C/svg%3E") center/13px no-repeat}
.xs li::before{background:var(--red-t) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none' stroke='%23b3372b' stroke-width='2.6'%3E%3Cpath d='M6 6l8 8M14 6l-8 8'/%3E%3C/svg%3E") center/11px no-repeat}
table.spec{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);overflow:hidden;font-size:.96rem;margin:14px 0}
table.spec th,table.spec td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}
table.spec tr:last-child th,table.spec tr:last-child td{border-bottom:0}
table.spec th{width:38%;font-weight:600;color:var(--ink);background:var(--mist)}
table.spec thead th{background:var(--navy);color:#fff;width:auto}
.tbl-wrap{overflow-x:auto}
.formula{font:500 .98rem var(--mono);background:var(--sky);color:var(--navy);border:1px solid var(--sky-2);padding:14px 16px;border-radius:var(--r-sm);margin:14px 0;overflow-x:auto}
.note{background:var(--mist);border:1px solid var(--line);border-radius:var(--r-sm);padding:14px 16px;font-size:.92rem;color:var(--text);margin:18px 0}
.note.green{background:var(--green-t);border-color:#bfe5d3}
.proscons{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin:14px 0}
.proscons>div{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px 22px}
.proscons h3{margin-top:0!important;font-size:1.05rem}
details.faq{border-bottom:1px solid var(--line)}
details.faq summary{cursor:pointer;list-style:none;padding:18px 40px 18px 0;font:700 1.04rem var(--font);color:var(--navy);position:relative}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"";position:absolute;right:6px;top:24px;width:9px;height:9px;border-right:2px solid var(--blue);border-bottom:2px solid var(--blue);transform:rotate(45deg);transition:transform .2s}
details.faq[open] summary::after{transform:rotate(-135deg);top:28px}
details.faq p{color:var(--text);margin:0 0 18px}
.linklist{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:0 24px;padding:0;list-style:none}
.linklist a{color:var(--navy);display:block;padding:10px 0;border-bottom:1px solid var(--line);font-size:.96rem;font-weight:500}
.linklist a:hover{color:var(--blue)}
.pills{display:flex;flex-wrap:wrap;gap:8px;padding:0;list-style:none}
.pills a{display:inline-block;padding:8px 14px;border:1px solid var(--line-2);border-radius:8px;color:var(--navy);font-size:.9rem;font-weight:500;background:#fff}
.pills a:hover{border-color:var(--blue);color:var(--blue);text-decoration:none}

aside.side{position:relative;min-width:0}
.side .sticky{position:sticky;top:96px;display:flex;flex-direction:column;gap:16px}
.cta-card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--blue);border-radius:var(--r);padding:24px;box-shadow:var(--shadow)}
.cta-card h3{font-size:1.25rem;margin-bottom:8px}
.cta-card p{font-size:.94rem;color:var(--muted)}
.cta-card .btn{width:100%;margin-top:4px}
.cta-card .ph{display:block;text-align:center;margin-top:14px;font-weight:600}
.lo-card{background:var(--mist);border:1px solid var(--line);border-radius:var(--r);padding:18px;display:flex;gap:14px;align-items:center}
.lo-card .av{width:48px;height:48px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;font:700 1.1rem var(--font);flex:none}
.lo-card b{display:block}
.lo-card span{font-size:.84rem;color:var(--muted)}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 20px}
.toc h4{font-size:.85rem;color:var(--muted);margin-bottom:6px}
.toc a{display:block;color:var(--navy);font-size:.94rem;padding:6px 0;font-weight:500}
.avail{display:inline-flex;align-items:center;gap:4px;font:600 .86rem var(--font);padding:7px 12px;border-radius:8px;background:var(--green-t);color:var(--green)}
.avail.wait{background:var(--amber-t);color:var(--amber)}

/* ---------- Tools ---------- */
.tool{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.85fr);background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-lg)}
.tool .inputs{padding:28px;min-width:0}
.tool .outputs{padding:28px;background:var(--sky);border-left:1px solid var(--sky-2);display:flex;flex-direction:column;gap:14px;min-width:0}
.tool .grid-in{display:grid;grid-template-columns:1fr 1fr;gap:2px 14px}
.in-wrap{position:relative;display:flex;align-items:center}
.in-wrap .pre,.in-wrap .suf{position:absolute;font:500 .95rem var(--font);color:var(--soft);pointer-events:none}
.in-wrap .pre{left:13px}.in-wrap .suf{right:13px}
.in-wrap input.has-pre{padding-left:27px}.in-wrap input.has-suf{padding-right:40px}
.outputs>.small{color:var(--muted)!important}
.big-out{font:800 2.8rem/1 var(--font);color:var(--navy);letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.big-out small{font:600 1rem var(--font);color:var(--muted);margin-left:8px;letter-spacing:0}
.verdict{font:600 .9rem var(--font);padding:8px 12px;border-radius:8px;display:inline-block;align-self:flex-start}
.verdict.good{background:var(--green-t);color:var(--green)}
.verdict.ok{background:var(--amber-t);color:var(--amber)}
.verdict.bad{background:var(--red-t);color:var(--red)}
.out-rows{border-top:1px solid var(--sky-2)}
.out-rows div{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px solid var(--sky-2);font-size:.95rem}
.out-rows b{color:var(--navy);font-variant-numeric:tabular-nums;text-align:right}
.outputs .btn{margin-top:auto}
.quiz{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;box-shadow:var(--shadow-lg);max-width:780px}
.opts{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:14px}
.opt{border:1px solid var(--line-2);background:#fff;border-radius:10px;padding:15px 16px;text-align:left;font:600 1rem var(--font);cursor:pointer;color:var(--navy);min-height:56px}
.opt:hover{border-color:var(--blue);background:var(--sky)}
.opt[aria-pressed=true]{border-color:var(--blue);background:var(--sky);box-shadow:inset 0 0 0 1px var(--blue)}
.progress{height:6px;background:var(--sky);border-radius:9px;overflow:hidden;margin-bottom:22px}
.progress i{display:block;height:100%;background:var(--blue);width:0;transition:width .3s}

/* ---------- Apply ---------- */
.apply-shell{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:44px;padding:40px 0 90px}
.apply{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:34px;box-shadow:var(--shadow-lg);min-width:0}
.apply .stepq{display:none}
.apply .stepq.on{display:block}
.apply h1,.apply h2{font-size:1.65rem}
.apply .nav{display:flex;justify-content:space-between;gap:10px;margin-top:22px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.82rem;color:var(--muted);line-height:1.5;margin-top:10px}
.consent input{margin-top:3px;width:18px;height:18px;flex:none;accent-color:var(--blue)}
.err{color:var(--red);font-size:.88rem;margin-top:6px;display:none}
.err.on{display:block}
.done{text-align:center;padding:30px 0}
.done .ico{margin:0 auto 18px;width:60px;height:60px;border-radius:50%;background:var(--green-t);color:var(--green)}

/* ---------- Footer ---------- */
footer.site{background:var(--mist);border-top:1px solid var(--line);color:var(--muted);padding:64px 0 0;font-size:.93rem}
footer.site a{color:var(--navy)}
footer.site a:hover{color:var(--blue)}
.f-top{display:grid;grid-template-columns:1.4fr repeat(4,minmax(0,1fr));gap:32px;padding-bottom:44px;border-bottom:1px solid var(--line)}
.f-top .fhead{color:var(--navy);font-size:.95rem;font-weight:700;margin:0 0 12px}
.f-top ul{list-style:none;padding:0;margin:0}
.f-top li{margin-bottom:8px}
.f-brand p{margin-top:16px;max-width:34ch}
.f-states{display:flex;flex-wrap:wrap;gap:4px 14px;padding:24px 0;border-bottom:1px solid var(--line);font-size:.85rem}
.f-states a{color:var(--muted)}
.f-legal{padding:28px 0;border-bottom:1px solid var(--line);font-size:.8rem;line-height:1.7;color:var(--muted);display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:start}
.f-legal .eho{width:56px;height:56px;color:var(--navy)}
.f-legal a{text-decoration:underline}
.f-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;padding:22px 0 30px;font-size:.84rem}
.f-bottom .credit a{font-weight:700}
.mbar{display:none}

/* ---------- Responsive ---------- */
@media (max-width:1060px){
  nav.main{display:none}
  /* UserWay accessibility button: right side, clear of edges.
     The positioned element is .userway_buttons_wrapper (class, not id).
     Single fixed layer (outer) to avoid iOS scroll jitter from nested fixed. */
  .uwy.userway_p5{position:fixed!important;left:auto!important;right:24px!important;bottom:140px!important;top:auto!important;transform:none!important;-webkit-transform:none!important;-webkit-backface-visibility:hidden;backface-visibility:hidden}
  .uwy.userway_p5 .userway_buttons_wrapper{position:static!important;left:auto!important;right:auto!important;bottom:auto!important;top:auto!important;transform:none!important}
  .menu-btn{display:block}
  .hero .grid,.page-hero .grid,.layout,.apply-shell{grid-template-columns:minmax(0,1fr)}
  .grid4,.values{grid-template-columns:repeat(2,minmax(0,1fr))}
  .grid3,.card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .steps{grid-template-columns:repeat(2,minmax(0,1fr))}
  .f-top{grid-template-columns:repeat(2,minmax(0,1fr))}
  .f-brand{grid-column:1/-1}
  .side .sticky{position:static}
  .tool{grid-template-columns:minmax(0,1fr)}
  .tool .outputs{border-left:0;border-top:1px solid var(--sky-2)}
  .page-hero .toc{display:none}
  body.nav-open nav.main{display:flex;position:fixed;inset:110px 0 0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 120px;overflow:auto;z-index:60}
  body.nav-open nav.main>a{font-size:1.05rem;padding:14px 4px;border-bottom:1px solid var(--line)}
  body.nav-open nav.main>.dd{border-bottom:1px solid var(--line)}
  body.nav-open nav.main>.dd>button{width:100%;justify-content:space-between;font-size:1.05rem;padding:14px 4px}
  body.nav-open nav.main>.dd>button::after{display:block;transition:transform .25s ease}
  body.nav-open nav.main>.dd.open>button{color:var(--blue)}
  body.nav-open nav.main>.dd.open>button::after{transform:rotate(-135deg) translateY(-2px)}
  body.nav-open nav.main>.dd .mega{position:static;display:grid;grid-template-rows:0fr;min-width:0;box-shadow:none;border:0;padding:0 4px;opacity:0;overflow:hidden;transition:grid-template-rows .3s ease,opacity .25s ease}
  body.nav-open nav.main>.dd.open .mega{grid-template-rows:1fr;opacity:1;padding-bottom:14px}
  body.nav-open nav.main>.dd .mega-in{overflow:hidden;min-height:0;display:grid;grid-template-columns:1fr;gap:0}
  body.nav-open nav.main .mega .fhead{margin-top:10px}
  body.nav-open nav.main .mega .fhead:first-child{margin-top:2px}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:55;gap:10px;padding:10px max(14px,env(safe-area-inset-right,0px)) calc(10px + env(safe-area-inset-bottom,0px)) max(14px,env(safe-area-inset-left,0px));background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(12,44,79,.08)}
  .mbar .btn{flex:1;padding:13px 10px}
  body{padding-bottom:76px}
}
@media (max-width:640px){
  body{font-size:16px}
  section.s{padding:44px 0}
  .grid3,.grid2,.grid4,.values,.card-grid,.proscons,.opts,.row2,.tool .grid-in,.steps{grid-template-columns:minmax(0,1fr)}
  .hero{padding:36px 0 48px}
  .sec-head{flex-direction:column;align-items:flex-start;gap:10px}
  .topbar .tb-left span.hide-sm{display:none}
  .hdr-cta .btn-ghost{display:none}
  .hdr-cta .hdr-get-started{display:none}
  header.site .logo img{height:44px}
  header.site .wrap{gap:10px;height:66px}.hdr-cta .btn-primary{padding:11px 14px}
  .f-legal{grid-template-columns:1fr}
  .apply{padding:22px}
  .starter{padding:20px}
  .big-out{font-size:2.3rem}
  table.spec th{width:44%}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{header.site,.topbar,footer.site,.mbar,aside.side{display:none}}

/* ---- Translation widget (header control) ---- */
.translate-wrap{display:flex;align-items:center;gap:6px}
.translate-ico{display:inline-flex;width:18px;height:18px;color:#5a6b7a}
.translate-ico svg{width:18px;height:18px}
#google_translate_element .goog-te-gadget{font-size:0}
#google_translate_element .goog-te-gadget-simple{background:transparent;border:1px solid #d5dde5;border-radius:8px;padding:6px 10px;font-size:13px}
#google_translate_element .goog-te-gadget-simple .goog-te-menu-value span{color:#1c2b3a}
#google_translate_element img{display:none}
.goog-te-banner-frame,.goog-te-balloon-frame{display:none!important}
body{top:0!important}
@media (max-width:640px){.translate-wrap{display:none}}

/* ---- Cookie consent banner (dormant until tracking.enabled) ---- */
.cookie-banner{position:fixed;left:0;right:0;bottom:0;z-index:200;background:#0d1b26;color:#fff;box-shadow:0 -4px 24px rgba(0,0,0,.25)}
.cookie-banner .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;padding-top:16px;padding-bottom:16px}
.cookie-banner p{margin:0;font-size:14px;max-width:70ch}
.cookie-banner a{color:#9fd0ff}

/* ---- Market snapshot tables ---- */
.market-snap{margin:8px 0 24px}
.market-snap table.spec td .src{display:block;font-size:12px;color:#6b7a89;margin-top:2px}

/* ---- Blog ---- */
.post-meta{display:flex;gap:12px;flex-wrap:wrap;align-items:center;color:#5a6b7a;font-size:14px;margin:12px 0}
.post-meta .byline{display:flex;align-items:center;gap:8px}
.post-meta .av{width:32px;height:32px;font-size:12px}
.cat-pills{display:flex;gap:8px;flex-wrap:wrap;margin:16px 0}
.byline-card{display:flex;gap:14px;align-items:center;background:#f5f3ec;border-radius:12px;padding:16px 18px;margin:28px 0}

/* ---- Second Look / rate watch forms ---- */
.upload-zone{border:2px dashed #b9c6d2;border-radius:12px;padding:22px;text-align:center;background:#f8fafc;margin:6px 0 14px}
.upload-zone input[type=file]{margin-top:8px}
.secure-note{display:flex;gap:10px;align-items:flex-start;background:#eef6ee;border:1px solid #cfe3cf;border-radius:10px;padding:12px 14px;font-size:14px;margin:14px 0}
.secure-note svg{flex:none;width:20px;height:20px;color:#2c7a2c;margin-top:2px}

/* ---- New sections: resources, DPA, rankings, case studies, lead pages ---- */
.lo-hero{display:flex;gap:24px;align-items:center;margin-bottom:24px;flex-wrap:wrap}
.lo-photo{width:140px;height:140px;border-radius:50%;background:linear-gradient(135deg,#0d1b26,#065db5);color:#fff;display:flex;flex-direction:column;align-items:center;justify-content:center;flex-shrink:0}
.lo-photo span{font-size:2.2rem;font-weight:700}
.lo-photo small{font-size:.7rem;opacity:.8;margin-top:4px}
.upload-zone{border:2px dashed #9db8d2;border-radius:10px;padding:18px;background:#f7fafd}
.upload-zone input[type=file]{margin-top:8px}
.secure-note{display:flex;gap:6px;align-items:flex-start;font-size:.82rem;color:#5a6b7a}
.card.benefit{border-left:4px solid #1a7f37;background:#f4faf5}
.card.disclaimer{border-left:4px solid #b7791f;background:#fffaf0}
.checklist{list-style:none;padding:0;margin:0}
.checklist .check-item{border:1px solid #e2e8f0;border-radius:10px;padding:12px 14px;margin-bottom:10px;background:#fff}
.checklist .check-item label{display:flex;gap:12px;cursor:pointer;align-items:flex-start}
.checklist .check-item input[type=checkbox]{margin-top:4px;width:18px;height:18px;flex-shrink:0}
.table-wrap{overflow-x:auto;margin:18px 0}
table.rank{width:100%;border-collapse:collapse;font-size:.92rem;background:#fff}
table.rank th,table.rank td{padding:10px 12px;border-bottom:1px solid #e8edf2;text-align:left;white-space:nowrap}
table.rank thead th{background:#0d1b26;color:#fff;white-space:nowrap}
table.rank tbody tr:nth-child(even){background:#f7fafd}
@media print{.site,.mbar,.cookie-banner,.cta-band,.skip,.topbar{display:none!important}.checklist .check-item{break-inside:avoid}}
.card.availability{border-left:4px solid #065db5;background:#f2f7fd;margin:16px 0}
.card.compliance{border-left:4px solid #8a6d1b;background:#fffdf4;margin:16px 0;font-size:.92rem}
.video-slot{margin:22px 0;border:1px solid #e2e8f0;border-radius:12px;background:#0d1b26;color:#fff}
.video-slot .vp{display:flex;gap:14px;align-items:center;padding:18px}
.video-slot .play{width:46px;height:46px;border-radius:50%;background:#065db5;display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}
table.spec.compare th.hl,table.spec.compare td.hl{background:#f2f7fd}
.answer{background:#f2f7fd;border-left:4px solid #065db5;padding:14px 16px;border-radius:0 10px 10px 0;margin:16px 0}

/* UserWay positioning handled above (max-width:1060px block) */
@media (max-width:900px){
}