@font-face{font-family:"Familjen Grotesk";src:url(../fonts/familjen-grotesk-latin-500-normal.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"Familjen Grotesk";src:url(../fonts/familjen-grotesk-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Familjen Grotesk";src:url(../fonts/familjen-grotesk-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:"Inter Tight";src:url(../fonts/inter-tight-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Inter Tight";src:url(../fonts/inter-tight-latin-500-normal.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"Inter Tight";src:url(../fonts/inter-tight-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}

@font-face{font-family:"Familjen Fallback";src:local("Arial Bold"),local("Arial-BoldMT"),local("Liberation Sans Bold"),local("Helvetica Bold");font-weight:500 700;size-adjust:91.8%;ascent-override:111.6%;descent-override:24.5%;line-gap-override:0%}
@font-face{font-family:"Inter Fallback";src:local("Arial"),local("ArialMT"),local("Liberation Sans"),local("Helvetica");font-weight:400 600;size-adjust:95.3%;ascent-override:101.6%;descent-override:25.3%;line-gap-override:0%}
:root{
  --ink:#132a14;--brand:#2c682f;--brand-2:#47904a;--tint:#ebf4ec;--paper:#fafbfa;
  --accent:#af31a9;--accent-2:#932a8e;--accent-ink:#5d1d5a;--accent-tint:#f8edf7;
  --line:#d3dfd3;--muted:#576b58;--white:#fff;
  --r-lg:22px;--r-md:12px;--r-sm:8px;
  --f-display:"Familjen Grotesk","Familjen Fallback",system-ui,sans-serif;--f-body:"Inter Tight","Inter Fallback",system-ui,sans-serif;
  --wrap:1180px;--gut:20px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--f-body);font-size:17px;line-height:1.62;overflow-x:hidden}
img,svg{max-width:100%;display:block}
a{color:var(--brand);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--f-display);line-height:1.12;letter-spacing:-.015em;margin:0 0 .5em;font-weight:700}
h1{font-size:clamp(2.2rem,5.2vw,3.9rem);letter-spacing:-.03em}
h2{font-size:clamp(1.65rem,3.2vw,2.45rem);letter-spacing:-.022em}
h3{font-size:1.24rem;font-weight:600}
h4{font-size:1.05rem;font-weight:600}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em;margin:0 0 1em}
li{margin:.25em 0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.narrow{max-width:760px}
.lede{font-size:1.16rem;color:var(--muted);max-width:62ch}
.small{font-size:.86rem;color:var(--muted)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:8px 14px;border-radius:var(--r-sm);z-index:100}
.skip:focus{left:12px}

/* notice strip */
.notice{background:var(--ink);color:#e8efe8;font-size:.84rem;padding:7px 0}
.notice .wrap{display:flex;gap:14px;justify-content:space-between;flex-wrap:wrap}
.notice a{color:#fff}

/* header */
.hdr{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--paper) 92%,transparent);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;gap:22px;height:68px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--f-display);font-weight:700;font-size:1.08rem;letter-spacing:-.01em;white-space:nowrap}
.logo svg{width:34px;height:34px}
.logo small{display:block;font-family:var(--f-body);font-weight:500;font-size:.72rem;color:var(--muted);letter-spacing:0;margin-top:-2px}
.nav{display:flex;align-items:center;gap:4px;margin-left:auto}
.nav>a,.dd>button{font:inherit;font-size:.95rem;font-weight:500;color:var(--ink);text-decoration:none;padding:9px 12px;border-radius:var(--r-sm);background:none;border:0;cursor:pointer;display:flex;align-items:center;gap:6px}
.nav>a:hover,.dd>button:hover,.dd.open>button{background:var(--tint)}
.nav>a[aria-current=page]{color:var(--brand);font-weight:600}
.dd{position:relative}
.dd>button svg{width:12px;height:12px;transition:transform .2s}
.dd.open>button svg{transform:rotate(180deg)}
.dd-panel{position:absolute;top:calc(100% + 8px);left:-10px;min-width:290px;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:8px;box-shadow:0 18px 40px -18px color-mix(in srgb,var(--ink) 40%,transparent);display:none}
.dd.open .dd-panel{display:block}
.dd-panel a{display:block;padding:9px 12px;border-radius:var(--r-sm);text-decoration:none;color:var(--ink)}
.dd-panel a:hover{background:var(--tint)}
.dd-panel b{display:block;font-weight:600;font-size:.95rem}
.dd-panel span{display:block;font-size:.82rem;color:var(--muted)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-weight:600;font-size:1rem;text-decoration:none;border-radius:999px;padding:13px 24px;border:2px solid transparent;cursor:pointer;transition:background .15s,transform .15s;line-height:1.2}
.btn-cta{background:var(--accent);color:#fff}
.btn-cta:hover{background:var(--accent-2);color:#fff}
.btn-cta:active{transform:translateY(1px)}
.btn-ghost{border-color:var(--ink);color:var(--ink);background:transparent}
.btn-ghost:hover{background:var(--ink);color:#fff}
.btn-sm{padding:9px 18px;font-size:.92rem}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:var(--r-sm);width:44px;height:44px;cursor:pointer;color:var(--ink)}
.menu-btn svg{width:22px;height:22px;margin:auto}
.hdr .btn-cta{margin-left:8px}
.nav>a.btn-cta{background:var(--accent);color:#fff;padding:9px 18px;border-radius:999px;font-weight:600}
.nav>a.btn-cta:hover{background:var(--accent-2);color:#fff}

@media (max-width:980px){
  .menu-btn{display:block}
  .hdr .btn-cta.hdr-cta{display:none}
  .hdr{backdrop-filter:none;-webkit-backdrop-filter:none;background:var(--paper)}
  .nav{position:fixed;top:68px;left:0;right:0;bottom:0;z-index:60;background:var(--paper);flex-direction:column;align-items:stretch;padding:16px var(--gut) 40px;gap:2px;overflow-y:auto;display:none;margin:0}
  .nav.open{display:flex}
  .nav>a,.dd>button{padding:14px 12px;font-size:1.05rem;width:100%;justify-content:space-between}
  .dd-panel{position:static;box-shadow:none;border:0;padding:0 0 8px 12px;min-width:0}
  .nav .btn-cta{margin:14px 0 0}
}

/* hero */
.hero{position:relative;overflow:hidden;padding:64px 0 72px;background:linear-gradient(180deg,var(--tint),var(--paper) 88%)}
.hero .creek{position:absolute;inset:0;width:100%;height:100%;pointer-events:none;opacity:.9}
.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:56px;align-items:center}
.hero h1{max-width:15ch}
.tag{display:inline-flex;align-items:center;gap:8px;font-size:.88rem;font-weight:500;color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px 6px 8px;margin-bottom:22px}
.tag i{width:20px;height:20px;border-radius:50%;background:var(--brand);display:grid;place-items:center;color:#fff;font-style:normal;font-size:.7rem;font-weight:700}
.picker{margin:26px 0 18px}
.picker-label{font-weight:600;font-size:.95rem;margin-bottom:10px;display:block}
.pills{display:flex;flex-wrap:wrap;gap:8px}
.pill{font:inherit;font-weight:600;font-size:.98rem;padding:10px 16px;border-radius:999px;border:1.5px solid var(--line);background:#fff;color:var(--ink);cursor:pointer;transition:border-color .15s,background .15s}
.pill:hover{border-color:var(--brand)}
.pill[aria-pressed=true]{background:var(--ink);color:#fff;border-color:var(--ink)}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:22px}
.hero-est{font-size:.95rem;color:var(--muted);min-height:3.1em}
.hero-est b{color:var(--ink)}
.checks{list-style:none;padding:0;margin:26px 0 0;display:flex;flex-wrap:wrap;gap:8px 22px;font-size:.92rem}
.checks li{display:flex;align-items:center;gap:8px;margin:0}
.checks svg{width:18px;height:18px;color:var(--brand);flex:none}

/* offer preview (hero right) */
.preview{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:22px;box-shadow:0 30px 60px -36px color-mix(in srgb,var(--ink) 55%,transparent)}
.preview-h{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:14px;gap:10px}
.preview-h h2{font-size:1.1rem;margin:0}
.preview-h span{font-size:.84rem;color:var(--muted)}
.offer{display:grid;grid-template-columns:auto 1fr auto;gap:4px 14px;align-items:center;padding:14px;border:1px solid var(--line);border-radius:var(--r-md);margin-bottom:10px}
.offer.best{border-color:var(--brand);background:var(--tint)}
.offer .av{width:38px;height:38px;border-radius:10px;background:var(--ink);color:#fff;display:grid;place-items:center;font-family:var(--f-display);font-weight:700;grid-row:span 2}
.offer.best .av{background:var(--brand)}
.offer .nm{font-weight:600}
.offer .nm em{font-style:normal;font-size:.76rem;font-weight:600;color:var(--brand);margin-left:6px}
.offer .apr{text-align:right;font-family:var(--f-display);font-weight:700;font-size:1.15rem}
.offer .meta{font-size:.84rem;color:var(--muted)}
.offer .tot{text-align:right;font-size:.84rem;color:var(--muted)}
.preview .small{margin:10px 0 0}

/* sections */
.sec{padding:84px 0}
.sec-tint{background:var(--tint)}
.sec-ink{background:var(--ink);color:#e7eee7}
.sec-ink h2,.sec-ink h3{color:#fff}
.sec-ink a{color:#fff}
.sec-head{max-width:720px;margin-bottom:40px}
.sec-head p{color:var(--muted);font-size:1.08rem}
.sec-ink .sec-head p{color:#bccbbd}
.split{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:48px;align-items:start}
.split-7-5{grid-template-columns:minmax(0,7fr) minmax(0,5fr)}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}

/* apply form section */
.apply{padding:72px 0;background:var(--paper)}
.apply-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:48px;align-items:start}
#apply-form{scroll-margin-top:80px}
.form-shell{isolation:isolate;position:relative;background:#fff;border:2px solid var(--ink);border-radius:var(--r-lg);padding:26px;min-height:420px}
.form-shell h2{font-size:1.6rem}
.form-loading{display:flex;align-items:center;gap:10px;color:var(--muted);font-size:.95rem;padding:12px 0}
.form-loading::before{content:"";width:18px;height:18px;border-radius:50%;border:2px solid var(--line);border-top-color:var(--brand);animation:spin 1s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.form-shell.ready .form-loading{display:none}
.tcpa{font-size:.78rem;color:var(--muted);margin-top:16px;line-height:1.5}
.assure{list-style:none;padding:0;margin:20px 0 0}
.assure li{display:flex;gap:12px;padding:14px 0;border-top:1px solid var(--line);margin:0}
.assure li:last-child{border-bottom:1px solid var(--line)}
.assure svg{width:22px;height:22px;color:var(--brand);flex:none;margin-top:2px}
.assure b{display:block}
.assure span{font-size:.92rem;color:var(--muted)}

/* creek steps */
.steps{position:relative;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:24px;counter-reset:st}
.steps .path{position:absolute;left:0;right:0;top:22px;height:60px;width:100%;z-index:0}
.step{position:relative;z-index:1}
.step .n{width:46px;height:46px;border-radius:50%;background:var(--paper);border:2px solid var(--brand);display:grid;place-items:center;font-family:var(--f-display);font-weight:700;font-size:1.15rem;color:var(--brand);margin-bottom:18px}
.sec-tint .step .n{background:var(--tint)}
.step:last-child .n{background:var(--brand);color:#fff}
.step p{color:var(--muted);font-size:.97rem}
.step .time{display:inline-block;font-size:.8rem;font-weight:600;color:var(--brand);background:#fff;border:1px solid var(--line);border-radius:999px;padding:2px 10px}

/* use cases */
.uses{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:28px;align-items:stretch}
.use-list{display:flex;flex-direction:column;gap:6px}
.use-btn{font:inherit;text-align:left;display:flex;justify-content:space-between;gap:12px;padding:14px 16px;border-radius:var(--r-md);border:1px solid transparent;background:transparent;cursor:pointer;color:var(--ink);font-weight:500}
.use-btn span{color:var(--muted);font-size:.9rem;font-weight:500}
.use-btn:hover{background:#fff;border-color:var(--line)}
.use-btn[aria-selected=true]{background:#fff;border-color:var(--ink)}
.use-panel{background:#fff;border-radius:var(--r-lg);padding:30px;border:1px solid var(--line)}
.use-panel h3{font-size:1.45rem}
.use-figs{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:22px 0}
.use-figs div{border-top:2px solid var(--brand);padding-top:10px}
.use-figs small{display:block;color:var(--muted);font-size:.82rem}
.use-figs b{font-family:var(--f-display);font-size:1.35rem}

/* tables */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-md);background:#fff}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-weight:600;background:var(--tint);font-size:.9rem}
tr:last-child td{border-bottom:0}
td.hl,th.hl{background:color-mix(in srgb,var(--tint) 60%,#fff)}
caption{caption-side:bottom;text-align:left;font-size:.84rem;color:var(--muted);padding:10px 16px}
@media (max-width:720px){
  .tbl-cards table,.tbl-cards thead,.tbl-cards tbody,.tbl-cards tr,.tbl-cards td{display:block}
  .tbl-cards thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
  .tbl-cards tr{border-bottom:1px solid var(--line);padding:10px 0}
  .tbl-cards td{border:0;padding:5px 16px;display:grid;grid-template-columns:44% 56%;gap:8px;overflow-wrap:anywhere}
  .tbl-cards td::before{content:attr(data-l);font-weight:600;color:var(--muted);font-size:.85rem}
  .tbl-cards td:first-child{font-weight:600;grid-template-columns:1fr}
  .tbl-cards td:first-child::before{display:none}
  .tbl-cards caption{display:block}
}

/* do/dont */
.dd-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;background:#fff}
.dd-grid>div{padding:26px}
.dd-grid>div+div{border-left:1px solid var(--line)}
.dd-grid h3{display:flex;align-items:center;gap:10px}
.dd-grid h3 svg{width:22px;height:22px}
.dd-do h3{color:var(--brand)}
.dd-dont h3{color:var(--accent-ink)}
.dd-grid ul{list-style:none;padding:0;margin:0}
.dd-grid li{padding:11px 0;border-top:1px solid var(--line);margin:0}

/* checklist */
.elig{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px}
.elig label{display:flex;gap:14px;align-items:flex-start;padding:12px 0;border-top:1px solid var(--line);cursor:pointer}
.elig label:first-of-type{border-top:0}
.elig input{width:22px;height:22px;accent-color:var(--brand);margin-top:2px;flex:none}
.elig label>span{color:var(--ink)}
.elig b{display:block;font-weight:600}
.elig label>span>span{display:block;font-size:.9rem;color:var(--muted)}
.elig-out{margin-top:18px;padding:14px 16px;border-radius:var(--r-md);background:var(--tint);font-weight:500}
.elig-meter{height:8px;border-radius:99px;background:var(--line);overflow:hidden;margin:10px 0 0}
.elig-meter i{display:block;height:100%;width:0;background:var(--brand);transition:width .25s}

/* state check */
.state-box{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px}
.state-box select{font:inherit;width:100%;padding:13px 14px;border-radius:var(--r-md);border:1.5px solid var(--line);background:#fff;color:var(--ink)}
.state-out{margin-top:14px;font-size:.96rem;min-height:3em}

/* calculator */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden}
.calc-in{padding:30px;border-right:1px solid var(--line)}
.calc-out{padding:30px;background:color-mix(in srgb,var(--tint) 55%,#fff)}
.field{margin-bottom:24px}
.field-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px}
.field-top label{font-weight:600}
.field-top output{font-family:var(--f-display);font-weight:700;font-size:1.3rem}
input[type=range]{width:100%;accent-color:var(--brand);height:28px}
.range-ends{display:flex;justify-content:space-between;font-size:.8rem;color:var(--muted)}
.seg{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:6px}
.seg button{font:inherit;font-size:.86rem;padding:10px 4px;border-radius:var(--r-sm);border:1.5px solid var(--line);background:#fff;cursor:pointer;color:var(--ink);line-height:1.25}
.seg button b{display:block;font-size:.95rem}
.prose .seg{grid-template-columns:repeat(2,minmax(0,1fr))}
.seg button[aria-pressed=true]{border-color:var(--ink);background:var(--ink);color:#fff}
.big-pay{font-family:var(--f-display);font-weight:700;font-size:clamp(2.4rem,5vw,3.2rem);letter-spacing:-.03em;line-height:1}
.big-pay small{font-size:1rem;font-weight:500;color:var(--muted);letter-spacing:0}
.calc-figs{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin:20px 0}
.calc-figs div small{display:block;font-size:.8rem;color:var(--muted)}
.calc-figs div b{font-family:var(--f-display);font-size:1.12rem}
.split-bar{display:flex;height:12px;border-radius:99px;overflow:hidden;background:var(--line);margin:8px 0 4px}
.split-bar i{display:block;background:var(--brand)}
.split-bar em{display:block;background:var(--accent)}
.legend{display:flex;gap:16px;font-size:.82rem;color:var(--muted)}
.legend span::before{content:"";display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:-1px;background:var(--brand)}
.legend span+span::before{background:var(--accent)}
.bal-chart{margin-top:18px}
.bal-chart svg{width:100%;height:140px}

/* faq */
.faq details{border-top:1px solid var(--line);padding:4px 0}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:16px 36px 16px 0;font-weight:600;font-size:1.05rem;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:22px;width:10px;height:10px;border-right:2px solid var(--ink);border-bottom:2px solid var(--ink);transform:rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(-135deg);top:26px}
.faq details>div{padding:0 0 16px;color:var(--muted)}
.faq details>div p:last-child{margin:0}

/* misc blocks */
.callout{border-left:4px solid var(--brand);background:#fff;padding:18px 22px;border-radius:0 var(--r-md) var(--r-md) 0;margin:24px 0}
.callout.warn{border-left-color:var(--accent)}
.callout p:last-child{margin:0}
.persona{padding:24px 0;border-top:2px solid var(--ink)}
.persona h3{margin-bottom:.35em}
.persona p{color:var(--muted);margin:0}
.fee-row{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;border:1px solid var(--line);border-radius:var(--r-lg);background:#fff;overflow:hidden}
.fee-row>div{padding:26px}
.fee-row>div+div{border-left:1px solid var(--line)}
.fee-row b{font-family:var(--f-display);font-size:2rem;display:block;line-height:1.1;margin-bottom:6px}
.fee-row p{color:var(--muted);font-size:.95rem;margin:0}
.pre-list{counter-reset:pf;list-style:none;padding:0}
.pre-list li{counter-increment:pf;position:relative;padding:14px 0 14px 52px;border-top:1px solid var(--line);margin:0}
.pre-list li::before{content:counter(pf);position:absolute;left:0;top:12px;width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-family:var(--f-display);font-weight:700}
.kv{display:grid;grid-template-columns:auto 1fr;gap:8px 20px;margin:0}
.kv dt{color:var(--muted)}
.kv dd{margin:0;font-weight:600;overflow-wrap:anywhere}
.rep{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px}
.rep-figs{display:grid;grid-template-columns:repeat(auto-fit,minmax(110px,1fr));gap:14px;margin-top:12px}
.rep-figs small{display:block;font-size:.8rem;color:var(--muted)}
.rep-figs b{font-family:var(--f-display);font-size:1.25rem}
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0}
.chips li{margin:0}
.chips a,.chips span{display:inline-block;padding:7px 14px;border:1px solid var(--line);border-radius:999px;background:#fff;text-decoration:none;color:var(--ink);font-size:.92rem}
.chips a:hover{border-color:var(--brand)}
.link-list{list-style:none;padding:0;margin:0}
.link-list li{border-top:1px solid var(--line);margin:0}
.link-list a{display:flex;justify-content:space-between;gap:12px;padding:14px 0;text-decoration:none;color:var(--ink);font-weight:500}
.link-list a span{color:var(--muted);font-weight:400;font-size:.92rem;text-align:right}
.link-list a:hover{color:var(--brand)}

/* page header (sub pages) */
.ph{padding:44px 0 46px;background:linear-gradient(180deg,var(--tint),var(--paper));position:relative;overflow:hidden}
.ph .creek{position:absolute;left:0;right:0;bottom:-30px;top:auto;width:100%;height:46%;pointer-events:none;opacity:.8}
.ph .wrap{position:relative}
.crumbs{font-size:.86rem;color:var(--muted);margin-bottom:18px}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li{margin:0}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--line)}
.crumbs a{color:var(--muted)}
.ph h1{font-size:clamp(2rem,4.4vw,3.2rem);max-width:22ch}
.ph .lede{margin-bottom:0}
.updated{font-size:.86rem;color:var(--muted);margin-top:16px}
.article{padding:56px 0 70px}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;align-items:start}
.prose{max-width:720px}
.prose h2{font-size:clamp(1.5rem,2.6vw,2rem);margin-top:1.8em;scroll-margin-top:90px}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.5em}
.prose .tbl-wrap{margin:20px 0 26px}
.answer{background:var(--tint);border-radius:var(--r-md);padding:18px 22px;margin:0 0 28px}
.answer b{display:block;font-family:var(--f-display);margin-bottom:4px}
.answer p{margin:0}
.aside{position:sticky;top:92px;display:flex;flex-direction:column;gap:18px}
.aside-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:22px}
.aside-card h2{font-size:1.1rem}
.aside-card p{font-size:.93rem;color:var(--muted)}
.toc{list-style:none;padding:0;margin:0;font-size:.93rem}
.toc li{margin:0}
.toc a{display:block;padding:6px 0;color:var(--muted);text-decoration:none;border-left:2px solid var(--line);padding-left:12px}
.toc a:hover{color:var(--ink);border-left-color:var(--brand)}
.sources{font-size:.88rem;color:var(--muted)}
.sources li{margin:.3em 0}

/* cta band */
.band{padding:70px 0;background:var(--brand);color:#fff;position:relative;overflow:hidden}
.band .creek{position:absolute;inset:0;width:100%;height:100%;opacity:.35;pointer-events:none}
.band .wrap{position:relative;display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}
.band h2{color:#fff;margin:0 0 6px;max-width:20ch}
.band p{margin:0;color:#dcebdc}
.band .btn-cta{background:#fff;color:var(--ink)}
.band .btn-cta:hover{background:var(--accent-tint)}

/* footer */
.ftr{background:var(--ink);color:#bfcfc0;padding:64px 0 36px;font-size:.92rem}
.ftr a{color:#e8f0e8;text-decoration:none}
.ftr a:hover{text-decoration:underline}
.ftr-grid{display:grid;grid-template-columns:1.3fr repeat(4,1fr);gap:36px;padding-bottom:36px;border-bottom:1px solid color-mix(in srgb,#fff 14%,transparent)}
.ftr h2{font-size:1rem;color:#fff;margin-bottom:12px}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li{margin:7px 0}
.ftr .logo{color:#fff;margin-bottom:12px}
.ftr .logo small{color:#9fb3a0}
.legal{padding-top:28px;font-size:.82rem;line-height:1.6;color:#a9bbaa}
.legal p{margin:0 0 .9em}
.legal b{color:#e8f0e8}



@media (max-width:980px){
  .hero-grid,.apply-grid,.split,.split-7-5,.uses,.calc,.article-grid{grid-template-columns:minmax(0,1fr)}
  .hero-grid{gap:36px}
  .steps{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:36px}
  .steps .path{display:none}
  .calc-in{border-right:0;border-bottom:1px solid var(--line)}
  .aside{position:static}
  .ftr-grid{grid-template-columns:1fr 1fr}
  .grid-3{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  :root{--gut:16px}
  body{font-size:16px}
  .sec{padding:60px 0}
  .hero{padding:40px 0 52px}
  .hero .creek{opacity:.4}
  .hero{padding:26px 0 44px}
  .hero .tag{margin-bottom:14px;font-size:.82rem}
  .hero h1{font-size:2.05rem}
  .hero .lede{font-size:1.02rem;margin-bottom:0}
  .picker{margin:16px 0 8px}
  .pill{padding:8px 13px;font-size:.92rem}
  .hero-est{font-size:.9rem;min-height:2.9em;margin-bottom:0}
  .hero-actions{margin-top:12px}
  .checks{margin-top:18px}
  .article{padding:32px 0 56px}
  .ph{padding:32px 0 40px}
  .steps,.grid-3,.grid-2,.dd-grid,.fee-row{grid-template-columns:1fr}
  .dd-grid>div+div,.fee-row>div+div{border-left:0;border-top:1px solid var(--line)}
  .use-figs{grid-template-columns:1fr 1fr 1fr}
  .ftr-grid{grid-template-columns:1fr}
  .form-shell{padding:18px}
  .calc-in,.calc-out,.use-panel,.elig,.state-box{padding:20px}
  .notice .wrap{font-size:.78rem}
  .notice .n-r{display:none}
}

/* key facts */
.facts{margin:0 0 34px}
.prose .facts-h{font-size:1.05rem;margin:0 0 12px;display:flex;align-items:baseline;gap:10px;flex-wrap:wrap}
.facts-h span{font-family:var(--f-body);font-weight:400;font-size:.82rem;color:var(--muted)}
.kf-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.kf{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:14px 14px 12px;display:flex;flex-direction:column;gap:3px;min-width:0}
.kf-i{width:30px;height:30px;border-radius:9px;background:var(--tint);color:var(--brand);display:grid;place-items:center;margin-bottom:6px}
.kf-i svg{width:18px;height:18px}
.kf-l{font-size:.8rem;color:var(--muted)}
.kf-v{font-family:var(--f-display);font-size:1.02rem;line-height:1.3;overflow-wrap:anywhere}
.kf-s{font-size:.76rem;margin-top:auto;padding-top:4px}
.kf-s a,.kf-s span{color:var(--muted)}
@media (max-width:980px){.kf-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* bar chart */
.chart{margin:22px 0 30px;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:20px 20px 14px}
.chart figcaption b{display:block;font-family:var(--f-display);font-size:1.05rem}
.chart figcaption span{display:block;font-size:.84rem;color:var(--muted)}
.chart-legend{display:flex;gap:18px;font-size:.84rem;color:var(--muted);margin:12px 0 6px}
.chart-legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.bars{list-style:none;padding:0;margin:0}
.bars li{display:grid;grid-template-columns:minmax(0,18.5em) minmax(0,1fr);gap:4px 14px;align-items:center;padding:7px 0;margin:0;border-radius:6px;outline-offset:2px}
.bars li:hover .bt i,.bars li:focus .bt i{filter:brightness(1.12)}
.bl{font-size:.9rem;color:var(--ink)}
.bl em{font-style:normal;color:var(--muted);font-size:.82rem;margin-left:4px}
.bt{display:flex;align-items:center;gap:8px;min-width:0}
.bt i{display:block;height:18px;border-radius:0 4px 4px 0;flex:none}
.bt b{font-size:.9rem;font-weight:600;color:var(--ink);white-space:nowrap}
.low{background:var(--brand)}
.high{background:var(--accent)}
@media (max-width:720px){.bars li{grid-template-columns:1fr}.chart{padding:16px}}

/* sticky CTA bar: all widths */
.mcta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:40;padding:10px var(--gut) calc(10px + env(safe-area-inset-bottom));background:color-mix(in srgb,var(--paper) 94%,transparent);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border-top:1px solid var(--line);transform:translateY(110%);transition:transform .25s;justify-content:center;align-items:center;gap:22px}
.mcta.show{transform:none}
.mcta-t{font-size:.95rem;color:var(--ink)}
.mcta-t b{font-family:var(--f-display)}
@media (max-width:720px){.mcta .btn{width:100%}.mcta-t{display:none}}

/* reading progress + toc */
.progress{position:fixed;left:0;top:0;height:3px;width:100%;transform-origin:0 50%;transform:scaleX(0);background:var(--brand);z-index:70;pointer-events:none}
.toc a[aria-current=true]{color:var(--ink);border-left-color:var(--brand);font-weight:600}

/* exit-intent dialog */
.xm{border:0;padding:0;border-radius:var(--r-lg);max-width:480px;width:calc(100% - 32px);box-shadow:0 30px 80px -20px color-mix(in srgb,var(--ink) 60%,transparent)}
.xm::backdrop{background:color-mix(in srgb,var(--ink) 55%,transparent)}
.xm-in{padding:30px 30px 26px;position:relative}
.xm h2{font-size:1.5rem;margin-bottom:.4em;padding-right:30px}
.xm p{color:var(--muted)}
.xm-x{position:absolute;top:14px;right:14px;width:36px;height:36px;border-radius:50%;border:1px solid var(--line);background:#fff;cursor:pointer;font-size:1.2rem;line-height:1;color:var(--ink)}
.xm-a{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}
.xm-s{font-size:.8rem;color:var(--muted);margin:14px 0 0}

/* photos */
.hero-media-wrap{position:relative}
.hero-media{display:block;border-radius:var(--r-lg);overflow:hidden;aspect-ratio:4/5;background:var(--tint);box-shadow:0 30px 60px -36px color-mix(in srgb,var(--ink) 55%,transparent)}
.hero-media img,.ph-media img{width:100%;height:100%;object-fit:cover;display:block}
.hero-chip{position:absolute;left:-24px;bottom:30px;display:flex;gap:10px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:12px 16px;max-width:280px;box-shadow:0 18px 40px -20px color-mix(in srgb,var(--ink) 45%,transparent)}
.hero-chip svg{width:26px;height:26px;color:var(--brand);flex:none}
.hero-chip span{font-size:.84rem;color:var(--muted);line-height:1.35}
.hero-chip b{display:block;color:var(--ink);font-size:.95rem;font-family:var(--f-display)}
.apply-grid{grid-template-areas:"info form" "prev form";row-gap:28px}
.apply-info{grid-area:info}.form-shell{grid-area:form}.apply-preview{grid-area:prev;align-self:start}
.ph-grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,.7fr);gap:44px;align-items:center}
.ph-media{display:block;margin:0;border-radius:var(--r-lg);overflow:hidden;aspect-ratio:3/2;background:var(--tint);box-shadow:0 24px 50px -32px color-mix(in srgb,var(--ink) 50%,transparent)}
@media (max-width:980px){
  .hero-media{aspect-ratio:16/9}
  .hero-chip{left:16px;bottom:16px}
  .apply-grid{grid-template-areas:"info" "form" "prev"}
  .ph-grid{grid-template-columns:1fr;gap:22px}
  .ph-media{aspect-ratio:16/9}
}
@media (max-width:720px){.hero-media-wrap{display:none}}

/* ===== UI/UX pass: responsive refinements ===== */
/* type floor */
.logo small{font-size:.76rem}
.tcpa{font-size:.8rem}
.offer .nm em{font-size:.8rem}
.kf-s{font-size:.8rem}
.notice a{display:inline-block;padding:9px 0;margin:-9px 0}

/* representative example: 2x2 everywhere */
.rep-figs{grid-template-columns:repeat(2,minmax(0,1fr))}

/* steps: align time chips on one baseline */
.step{display:flex;flex-direction:column}
.step .time{margin-top:auto;align-self:flex-start}

/* article layout: measure-limited text column, sidebar pinned right */
@media (min-width:981px){.article-grid{grid-template-columns:minmax(0,760px) 300px;justify-content:space-between}.prose{max-width:none}}

/* inline TOC (tablet/mobile) */
.toc-m{display:none;margin:0 0 30px;border:1px solid var(--line);border-radius:var(--r-md);background:#fff}
.toc-m summary{list-style:none;cursor:pointer;padding:14px 44px 14px 16px;font-weight:600;position:relative}
.toc-m summary::-webkit-details-marker{display:none}
.toc-m summary::after{content:"";position:absolute;right:18px;top:19px;width:9px;height:9px;border-right:2px solid var(--ink);border-bottom:2px solid var(--ink);transform:rotate(45deg);transition:transform .2s}
.toc-m[open] summary::after{transform:rotate(-135deg);top:23px}
.toc-m .toc{padding:0 16px 14px}
.toc-m .toc a{padding:9px 0 9px 12px}

/* homepage FAQ split */
.faq-split{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:56px;align-items:start}
.faq-side p{color:var(--muted)}
.faq-side .aside-card{margin-top:24px}

/* payment tables: compact, scrollable, sticky first column */
.pay-tbl table{min-width:520px}
.pay-tbl th:first-child,.pay-tbl td:first-child{position:sticky;left:0;background:#fff;z-index:1}
.pay-tbl th:first-child{background:var(--tint)}
.scroll-hint{display:none;font-size:.82rem;color:var(--muted);margin:6px 0 0}

/* range inputs: comfortable touch target */
@media (pointer:coarse){input[type=range]{height:40px}}

/* large desktop */
@media (min-width:1600px){:root{--wrap:1260px}}

/* laptop: keep hero CTA above the fold */
@media (min-width:981px){
  .hero{padding:52px 0 64px}
  .hero h1{font-size:clamp(2.6rem,3.7vw,3.5rem);max-width:17ch}
}
@media (min-width:981px) and (max-height:900px){
  .hero{padding:34px 0 52px}
  .hero .tag{margin-bottom:14px}
  .hero h1{font-size:clamp(2.4rem,3.3vw,3rem);max-width:18ch;margin-bottom:.35em}
  .hero .lede{font-size:1.06rem;margin-bottom:0}
  .picker{margin:18px 0 10px}
  .hero-actions{margin-top:14px}
  .checks{margin-top:18px}
  .hero-media{aspect-ratio:1/1}
}

/* tablet */
@media (min-width:700px) and (max-width:980px){
  .ph-grid{grid-template-columns:minmax(0,1.35fr) minmax(0,.65fr);gap:28px}
  .ph-media{aspect-ratio:4/3}
  .calc{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
  .calc-in{border-right:1px solid var(--line);border-bottom:0}
  .hero-media{aspect-ratio:2/1}
}
@media (max-width:980px){
  .toc-m{display:block}
  .aside .toc-card{display:none}
  .faq-split{grid-template-columns:1fr;gap:20px}
}

/* mobile */
@media (max-width:720px){
  .pills{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:6px}
  .pill{padding:10px 2px;font-size:.9rem;text-align:center}
  .steps{gap:18px}
  .step{display:grid;grid-template-columns:46px 1fr;column-gap:16px;align-items:start}
  .step .n{grid-row:span 3;margin:0}
  .step h3{margin:.55em 0 .25em}
  .step p{margin:0 0 8px}
  .step .time{grid-column:2}
  .use-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}
  .use-btn{flex-direction:column;gap:2px;padding:12px;border:1px solid var(--line);background:#fff}
  .ftr-grid{grid-template-columns:1fr 1fr;gap:28px 20px}
  .ftr-grid>div:first-child{grid-column:1/-1}
  .scroll-hint{display:block}
  .pay-tbl table{font-size:.88rem}
  .pay-tbl th,.pay-tbl td{padding:10px 12px}
  .ph-media{aspect-ratio:16/8}
}
@media (max-width:420px){
  .offer{gap:2px 10px;padding:12px}
  .offer .nm em{display:block;margin:0}
  .offer .meta,.offer .tot{font-size:.8rem}
  .hero .tag{font-size:.8rem}
}
@media (min-width:981px) and (max-height:800px){
  .hero{padding:24px 0 44px}
  .hero h1{font-size:clamp(2.3rem,3.1vw,2.75rem)}
  .hero .lede{font-size:1rem;line-height:1.55}
  .checks{margin-top:14px}
}
h1,h2,h3{text-wrap:balance}
.lede,.prose p{text-wrap:pretty}
@media (min-width:721px){.hero-est{min-height:0}}

.prose .tbl-wrap{max-width:100%}
@media (max-width:720px){.step .time{justify-self:start}}
@media (min-width:700px) and (max-width:980px){.calc .seg{grid-template-columns:repeat(2,minmax(0,1fr))}}
section[id],.prose h2[id],.faq-split{scroll-margin-top:84px}

/* ===== polish pass ===== */
.hdr{transition:box-shadow .2s,background .2s}
.hdr.scrolled{box-shadow:0 8px 24px -16px color-mix(in srgb,var(--ink) 40%,transparent)}
.cta-inline{display:flex;gap:20px;align-items:center;justify-content:space-between;background:var(--ink);color:#e7eee7;border-radius:var(--r-lg);padding:22px 24px;margin:30px 0}
.cta-inline b{display:block;color:#fff;font-family:var(--f-display);font-size:1.15rem;margin-bottom:2px}
.cta-inline p{margin:0;font-size:.95rem;color:#c9d6c9}
.cta-inline .btn{flex:none}
.trust{margin:40px 0 0;padding:24px;border:1px solid var(--line);border-radius:var(--r-lg);background:#fff}
.prose .trust h2{font-size:1.2rem;margin:0 0 .6em}
.trust ul{list-style:none;padding:0;margin:0 0 12px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 20px}
.trust li{margin:0;padding-left:26px;position:relative;font-size:.95rem;color:var(--muted)}
.trust li::before{content:"";position:absolute;left:2px;top:6px;width:14px;height:8px;border-left:2px solid var(--brand);border-bottom:2px solid var(--brand);transform:rotate(-45deg)}
.trust li b{color:var(--ink)}
.fb{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin:28px 0 0;padding:16px 0;border-top:1px solid var(--line);font-weight:500}
.fb-b{font:inherit;font-size:.92rem;font-weight:600;padding:9px 18px;border-radius:999px;border:1.5px solid var(--line);background:#fff;color:var(--ink);cursor:pointer;min-height:40px}
.fb-b:hover{border-color:var(--brand)}
.fb-t{color:var(--brand);font-size:.92rem}
.fb.done .fb-b,.fb.done #fb-q{display:none}
.kr{padding:56px 0 64px;background:var(--tint)}
.kr h2{font-size:1.6rem;margin-bottom:22px}
.kr-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.kr-card{display:flex;flex-direction:column;gap:6px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:22px;text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s}
.kr-card:hover{border-color:var(--brand);transform:translateY(-2px);color:var(--ink)}
.kr-card b{font-family:var(--f-display);font-size:1.1rem;line-height:1.25}
.kr-card span{color:var(--muted);font-size:.93rem}
.kr-card i{font-style:normal;margin-top:auto;padding-top:10px;font-weight:600;color:var(--brand);font-size:.92rem}
@media (max-width:980px){.kr-grid{grid-template-columns:1fr}.trust ul{grid-template-columns:1fr}}
@media (max-width:720px){.cta-inline{flex-direction:column;align-items:flex-start}.cta-inline .btn{width:100%}}
@media (prefers-reduced-motion:reduce){.kr-card:hover{transform:none}}
.trust h2{font-size:1.3rem;margin:0 0 .6em}