:root{
  --orange:#F28C28; --orange-d:#D9731A; --orange-l:#FDE3C8; --peach:#FFF1E3;
  --brown:#3B2314; --brown-m:#7A4B2E; --tan:#C89B72; --cream:#FFF9F3; --white:#FFFFFF;
  --ink:#2B1A10; --muted:#6E5A4C; --line:#F0E1D2; --leaf:#2E8B57; --warn:#C0451B;
  --head:"Poppins", "Segoe UI", system-ui, sans-serif;
  --body:"Mulish", "Segoe UI", system-ui, -apple-system, sans-serif;
  --script:"Caveat", "Segoe Print", cursive;
  --r-lg:22px; --r-md:14px;
  --wrap:1200px;
  box-sizing:border-box;
  padding-top:env(safe-area-inset-top,0px); padding-bottom:env(safe-area-inset-bottom,0px);
}
*,*::before,*::after{box-sizing:inherit}
html{scroll-behavior:smooth;scroll-padding-top:calc(90px + env(safe-area-inset-top,0px))}
body{margin:0;font-family:var(--body);font-size:17px;line-height:1.65;color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
svg{max-width:100%}
a{color:var(--orange-d);text-underline-offset:3px}
a:hover{color:var(--brown-m)}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px;border-radius:4px}
.wrap{width:min(100% - 40px,var(--wrap));margin-inline:auto}
.prose{max-width:68ch}
h1,h2,h3{font-family:var(--head);color:var(--brown);line-height:1.15;letter-spacing:-.015em;margin:0 0 .5em}
h2{font-size:clamp(1.7rem,3vw,2.4rem);font-weight:700}
h3{font-size:1.18rem;font-weight:600}
p{margin:0 0 1em}
.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:16px;z-index:10001;background:#fff;padding:8px 14px;border-radius:8px}
.kicker{display:block;font-family:var(--head);font-weight:600;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;color:var(--orange-d);margin-bottom:10px}
.script{font-family:var(--script);font-weight:700;color:var(--orange);font-size:1.3em;line-height:1}
.squiggle{display:block;width:70px;height:12px;margin:10px 0 18px}
.lead{font-size:1.1rem;color:var(--muted);max-width:62ch}
.note{font-size:.86rem;color:var(--muted)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--head);font-weight:600;font-size:.98rem;border-radius:999px;padding:14px 28px;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s,background .15s,box-shadow .15s}
.btn:hover{transform:translateY(-1px)}
.btn-orange{background:var(--orange);color:#fff;box-shadow:0 10px 22px -10px rgba(242,140,40,.8)}
.btn-orange:hover{background:var(--orange-d);color:#fff}
.btn-brown{background:var(--brown);color:#fff}
.btn-brown:hover{background:var(--brown-m);color:#fff}
.btn-outline{background:#fff;border-color:var(--line);color:var(--brown);box-shadow:0 6px 18px -10px rgba(59,35,20,.35)}
.btn-outline:hover{border-color:var(--orange);color:var(--brown)}
.btn .ic{width:30px;height:30px;border-radius:50%;display:grid;place-items:center;background:var(--brown);color:#fff;margin-left:-12px}
.btn svg{width:16px;height:16px}

/* top bar */
.topbar{background:var(--cream);border-bottom:1px solid var(--line);font-size:.86rem;color:var(--muted)}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:9px 0;flex-wrap:wrap}
.topbar ul{display:flex;gap:28px;list-style:none;margin:0;padding:0;flex-wrap:wrap}
.topbar li{display:flex;align-items:center;gap:8px}
.topbar svg{width:16px;height:16px;color:var(--orange-d)}
.topbar a{color:var(--muted);text-decoration:none}

/* header */
.site-header{position:sticky;top:0;z-index:10000;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:80px}
.brand{display:flex;align-items:flex-end;gap:2px;text-decoration:none;line-height:1}
.brand-name{font-family:var(--script);font-weight:700;font-size:2.3rem;color:var(--brown)}
.brand-sub{display:block;font-family:var(--head);font-size:.62rem;letter-spacing:.22em;color:var(--brown-m);margin-top:2px}
.brand svg{width:30px;height:30px;margin-bottom:22px}
.nav-links{display:flex;gap:34px;list-style:none;margin:0;padding:0}
.nav-links a{font-family:var(--head);font-weight:500;font-size:.95rem;color:var(--brown);text-decoration:none;padding:6px 0;border-bottom:2px solid transparent}
.nav-links a:hover{border-color:var(--orange);color:var(--brown)}
.menu-toggle{display:none;background:none;border:0;color:var(--brown);padding:8px;cursor:pointer}

/* hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(115deg,#FFF6EC 0%,#FFEBD6 55%,#FFE2C4 100%)}
.hero::before{content:"";position:absolute;left:-60px;top:40px;width:260px;height:260px;background-image:radial-gradient(var(--tan) 1.4px,transparent 1.6px);background-size:18px 18px;opacity:.35;border-radius:50%}
.hero-grid{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;padding:64px 0 72px}
.hero h1{font-size:clamp(2.2rem,4.4vw,3.6rem);font-weight:800;line-height:1.08;letter-spacing:-.02em;margin-bottom:22px}
.hero h1 .l2{display:block;color:var(--orange-d)}
.hero h1 .l3{display:inline-flex;white-space:nowrap;align-items:center;gap:12px;font-family:var(--script);font-weight:700;color:var(--orange);font-size:1.3em;letter-spacing:0;line-height:1}
.hero h1 .l3 svg{width:.8em;height:.8em;color:var(--orange)}
.hero-lede{font-size:1.14rem;color:var(--muted);max-width:44ch;margin-bottom:30px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:16px;align-items:center;margin-bottom:28px}
.hand-note{display:flex;align-items:center;gap:12px;font-family:var(--script);font-size:1.45rem;color:var(--brown)}
.hand-note svg{width:48px;height:34px;color:var(--brown)}
.hero-art{position:relative;min-height:520px}
.blob{position:absolute;inset:40px 10px 10px 40px;background:var(--orange);border-radius:58% 42% 48% 52% / 46% 54% 46% 54%}
.blob-2{position:absolute;right:-40px;top:0;width:160px;height:160px;border-radius:50%;background:var(--orange-l)}
.hero-photo{position:absolute;inset:10px 40px 30px 70px;border-radius:200px 200px 28px 28px;overflow:hidden;background:var(--tan);box-shadow:0 30px 60px -30px rgba(59,35,20,.6)}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 30%}
.badge{position:absolute;background:#fff;border-radius:16px;padding:14px 18px;box-shadow:0 18px 40px -18px rgba(59,35,20,.55);z-index:2;line-height:1.25}
.badge strong{display:block;font-family:var(--head);font-weight:800;font-size:1.7rem;color:var(--brown)}
.badge span{font-size:.85rem;color:var(--muted)}
.badge-a{right:0;top:90px}
.badge-b{left:0;bottom:70px;display:flex;align-items:center;gap:12px}
.badge-b .dot{width:42px;height:42px;border-radius:50%;background:var(--peach);display:grid;place-items:center;color:var(--orange-d)}
.badge-b strong{font-size:1.05rem}
.badge-b svg{width:22px;height:22px}
.spark{position:absolute;right:30px;top:20px;width:70px;color:var(--brown)}
.heart{position:absolute;right:-6px;top:64px;width:30px;color:var(--orange)}

/* loan cards (selected work layout) */
.band{padding:84px 0}
.band-cream{background:var(--cream)}
.band-peach{background:var(--peach)}
.band-white{background:#fff}
.split{display:grid;grid-template-columns:280px 1fr;gap:48px;align-items:start}
.split-intro h2{font-size:clamp(1.6rem,2.6vw,2.1rem)}
.cards{display:grid;grid-auto-flow:column;grid-auto-columns:calc((100% - 48px)/3);gap:24px;overflow-x:auto;scroll-snap-type:x mandatory;padding:6px 4px 22px;scrollbar-width:thin}
.lcard{scroll-snap-align:start;background:#fff;border-radius:var(--r-lg);overflow:hidden;box-shadow:0 18px 40px -26px rgba(59,35,20,.55);display:flex;flex-direction:column}
.lcard .img{aspect-ratio:4/3;background:var(--orange-l);overflow:hidden}
.lcard img{width:100%;height:100%;object-fit:cover}
.lcard .body{padding:20px 20px 22px;display:flex;flex-direction:column;flex:1}
.lcard h3{margin:0 0 2px}
.lcard .amt{font-family:var(--head);font-weight:600;color:var(--orange-d);font-size:.95rem;margin-bottom:10px}
.lcard p{color:var(--muted);font-size:.95rem;margin-bottom:12px}
.lcard ul{margin:0 0 16px;padding:0;list-style:none;font-size:.9rem}
.lcard li{padding:3px 0 3px 24px;position:relative}
.lcard li::before{content:"";position:absolute;left:0;top:9px;width:14px;height:14px;border-radius:50%;background:var(--orange) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/9px no-repeat}
.lcard .foot{margin-top:auto;display:flex;justify-content:space-between;align-items:center}
.lcard .foot a{font-family:var(--head);font-weight:600;font-size:.9rem;color:var(--brown);text-decoration:none}
.arrow-dot{width:36px;height:36px;border-radius:50%;background:var(--orange);color:#fff;display:grid;place-items:center}
.arrow-dot svg{width:16px;height:16px}
.cards-nav{display:flex;gap:10px;margin-top:6px}
.cards-nav button{width:42px;height:42px;border-radius:50%;border:1px solid var(--line);background:#fff;color:var(--brown);cursor:pointer;display:grid;place-items:center}
.cards-nav button:hover{border-color:var(--orange)}
.cards-nav svg{width:18px;height:18px}

/* tiers (packages layout) */
.pkgs{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;align-items:stretch}
.pkg{position:relative;background:#fff;border-radius:var(--r-lg);padding:30px 26px 26px;box-shadow:0 18px 40px -28px rgba(59,35,20,.5);display:flex;flex-direction:column;border:2px solid transparent}
.pkg.pop{border-color:var(--orange);transform:translateY(-14px)}
.pkg .flag{position:absolute;top:-16px;left:50%;transform:translateX(-50%);background:var(--orange);color:#fff;font-family:var(--head);font-weight:600;font-size:.78rem;letter-spacing:.06em;text-transform:uppercase;padding:6px 16px;border-radius:999px;white-space:nowrap}
.pkg-top{display:flex;justify-content:space-between;align-items:center}
.pkg-name{font-family:var(--head);font-weight:700;font-size:.85rem;letter-spacing:.08em;text-transform:uppercase;color:var(--orange-d)}
.pkg-ic{width:40px;height:40px;border-radius:50%;background:var(--peach);color:var(--orange-d);display:grid;place-items:center}
.pkg-ic svg{width:20px;height:20px}
.pkg .range{font-family:var(--head);font-weight:800;font-size:clamp(1.3rem,2vw,1.6rem);white-space:nowrap;color:var(--brown);margin:12px 0 2px;letter-spacing:-.02em}
.pkg .sub{color:var(--muted);font-size:.93rem;margin-bottom:14px}
.pkg ul{list-style:none;margin:0 0 22px;padding:0;font-size:.93rem}
.pkg li{padding:4px 0 4px 26px;position:relative}
.pkg li::before{content:"✓";position:absolute;left:2px;color:var(--orange-d);font-weight:800}
.pkg .btn{margin-top:auto;width:100%}
.curl-arrow{width:90px;color:var(--brown);margin-top:18px}

/* trust strip (logo strip layout) */
.trust{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.trust ul{display:grid;grid-template-columns:repeat(6,1fr);list-style:none;margin:0 auto;padding:22px 0;gap:10px}
.trust li{display:flex;align-items:center;justify-content:center;gap:8px;font-family:var(--script);font-weight:600;font-size:1.25rem;letter-spacing:.2px;color:var(--brown);text-align:left;line-height:1.15}
.trust svg{width:28px;height:28px;color:var(--brown-m);flex:none}

/* scenarios (testimonial layout) */
.scen{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.scard{background:#fff;border-radius:var(--r-lg);padding:28px;box-shadow:0 18px 40px -28px rgba(59,35,20,.5);display:flex;flex-direction:column}
.scard .q{font-family:var(--head);font-weight:800;font-size:3rem;line-height:.6;color:var(--orange);margin-bottom:10px}
.scard p{color:var(--ink);font-size:.97rem}
.scard .who{margin-top:auto;display:flex;align-items:center;gap:12px;padding-top:12px;border-top:1px solid var(--line)}
.scard .who .ic{width:44px;height:44px;border-radius:50%;background:var(--peach);display:grid;place-items:center;color:var(--orange-d);flex:none}
.scard .who svg{width:22px;height:22px}
.scard .who strong{display:block;font-family:var(--head);font-size:.95rem;color:var(--brown)}
.scard .who span{font-size:.84rem;color:var(--muted)}

/* form band (project band layout) */
.form-band{position:relative;overflow:hidden;background:linear-gradient(120deg,var(--orange) 0%,#F59A3E 60%,#F7A955 100%);color:#fff;border-radius:30px;padding:56px;display:grid;grid-template-columns:.8fr 1.2fr;gap:44px;align-items:center}
.form-band::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.35) 1.2px,transparent 1.4px);background-size:22px 22px;mask-image:linear-gradient(90deg,#000,transparent 60%);-webkit-mask-image:linear-gradient(90deg,#000,transparent 60%)}
.form-band > *{position:relative}
.form-band h2{color:#fff;font-size:clamp(1.8rem,3vw,2.5rem);text-transform:uppercase;letter-spacing:.01em}
.form-band p{color:rgba(255,255,255,.92)}
.envelope{width:230px;max-width:100%;margin:26px 0 0}
.form-card{background:#fff;color:var(--ink);border-radius:var(--r-lg);padding:26px 24px;box-shadow:0 30px 60px -30px rgba(59,35,20,.7)}
.form-band .form-card p{color:var(--muted)}
.form-card h3{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:4px}
.form-card h3 small{font-family:var(--head);font-weight:700;color:var(--orange-d);font-size:.95rem}
.form-slot{position:relative;margin-top:12px}
.form-slot .loading{min-height:320px;display:grid;place-items:center;text-align:center;color:var(--muted);font-size:.95rem;border:2px dashed var(--line);border-radius:var(--r-md);padding:20px}
.form-slot.ready .loading{display:none}
#_lg_form_{position:relative;z-index:1;isolation:isolate}
.form-secure{display:flex;align-items:center;gap:8px;font-size:.82rem;color:var(--muted);margin:12px 0 0}
.form-secure svg{width:16px;height:16px;color:var(--leaf)}

/* generic content sections */
.section{padding:84px 0}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.fact-list{display:grid;grid-template-columns:auto 1fr;gap:12px 22px;margin:0;padding:26px 28px;background:#fff;border-radius:var(--r-lg);box-shadow:0 18px 40px -30px rgba(59,35,20,.5)}
.fact-list dt{font-family:var(--head);font-weight:600;color:var(--brown)}
.fact-list dd{margin:0;color:var(--muted)}
.photo-frame{position:relative;border-radius:var(--r-lg);overflow:hidden;box-shadow:0 22px 50px -30px rgba(59,35,20,.6);background:var(--orange-l)}
.photo-frame img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3}
.photo-frame figcaption{position:absolute;left:14px;bottom:14px;background:#fff;border-radius:12px;padding:8px 14px;font-family:var(--head);font-weight:600;font-size:.88rem;color:var(--brown)}

.table-wrap{overflow-x:auto;border-radius:var(--r-md);background:#fff;box-shadow:0 18px 40px -32px rgba(59,35,20,.5);border:1px solid var(--line)}
table{width:100%;border-collapse:collapse;font-size:.96rem;min-width:620px}
th,td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--brown);color:#fff;font-family:var(--head);font-weight:600;font-size:.94rem}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
tbody th{font-weight:700;color:var(--brown);width:32%}
tr.us th,tr.us td{background:var(--peach)}
.spec table{min-width:0}

/* tabs */
.tabs{margin-top:34px;display:grid;grid-template-columns:250px 1fr;border-radius:var(--r-lg);overflow:hidden;background:#fff;box-shadow:0 18px 40px -30px rgba(59,35,20,.5)}
.tab-list{display:flex;flex-direction:column;background:var(--cream);border-right:1px solid var(--line)}
.tab-btn{all:unset;cursor:pointer;padding:17px 22px;font-family:var(--head);font-weight:500;font-size:.95rem;border-bottom:1px solid var(--line);color:var(--muted)}
.tab-btn:last-child{border-bottom:0}
.tab-btn[aria-selected="true"]{background:#fff;color:var(--brown);font-weight:600;box-shadow:inset 4px 0 0 var(--orange)}
.tab-btn:focus-visible{outline:3px solid var(--orange);outline-offset:-3px}
.tab-panel{padding:30px 34px;display:grid;grid-template-columns:1.3fr 1fr;gap:28px;align-items:start}
.tab-panel[hidden]{display:none}
.tab-panel h3{font-size:1.4rem}
.tab-panel .tp-img{border-radius:var(--r-md);overflow:hidden;aspect-ratio:4/5;background:var(--orange-l)}
.tab-panel .tp-img img{width:100%;height:100%;object-fit:cover}
.tab-panel .tp-illo{border-radius:var(--r-md);aspect-ratio:4/5;background:var(--peach);display:grid;place-items:center;color:var(--orange-d)}
.tab-meta{display:flex;flex-wrap:wrap;gap:10px;margin:16px 0 0;padding:0;list-style:none}
.tab-meta li{background:var(--peach);border-radius:999px;padding:6px 14px;font-size:.86rem;font-weight:700;color:var(--brown)}

/* vs */
.vs{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:32px}
.vs-col{padding:28px;border-radius:var(--r-lg);background:#fff}
.vs-col.us{border:2px solid var(--orange);box-shadow:0 18px 40px -28px rgba(242,140,40,.6)}
.vs-col.them{border:2px dashed #D9C4B2}
.vs-col ul{margin:10px 0 0;padding-left:20px}
.vs-col li{margin-bottom:7px}

/* market types */
.types{display:grid;grid-template-columns:repeat(2,1fr);gap:0 56px;margin-top:34px}
.type{padding:24px 0;border-top:1px solid var(--line)}
.type h3{display:flex;gap:12px;align-items:baseline;flex-wrap:wrap}
.type h3 small{font-family:var(--body);font-weight:800;font-size:.8rem;color:#fff;background:var(--orange);border-radius:999px;padding:2px 10px}
.type p{color:var(--muted);margin-bottom:.5em}
.type .kv{font-size:.92rem;color:var(--ink)}

/* dark tribal */
.section-dark{background:var(--brown);color:rgba(255,255,255,.88)}
.section-dark h2,.section-dark h3{color:#fff}
.section-dark .kicker{color:var(--orange-l)}
.callout{border-left:4px solid var(--orange);background:rgba(255,255,255,.07);padding:18px 22px;border-radius:0 var(--r-md) var(--r-md) 0;margin-top:22px}
.check-list{list-style:none;padding:0;margin:16px 0 0}
.check-list li{position:relative;padding:6px 0 6px 32px}
.check-list li::before{content:"";position:absolute;left:0;top:10px;width:19px;height:19px;border-radius:50%;background:var(--leaf) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/12px no-repeat}
.section-dark .check-list li::before{background-color:var(--orange)}
.cons-list{list-style:none;padding:0;margin:16px 0 0}
.cons-list li{position:relative;padding:6px 0 6px 32px}
.cons-list li::before{content:"";position:absolute;left:0;top:10px;width:19px;height:19px;border-radius:50%;background:var(--warn) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round'%3E%3Cpath d='M6 12h12'/%3E%3C/svg%3E") center/12px no-repeat}


/* rates */
.example{background:var(--brown);color:#fff;border-radius:var(--r-lg);padding:30px}
.example h3{color:var(--orange-l)}
.example dl{display:grid;grid-template-columns:1fr auto;gap:10px 18px;margin:16px 0 0}
.example dt{color:rgba(255,255,255,.78)}
.example dd{margin:0;font-family:var(--head);font-weight:700;text-align:right}
.example .total{border-top:1px solid rgba(255,255,255,.2);padding-top:10px}

/* calculator */
.calc{display:grid;grid-template-columns:1.2fr 1fr;border-radius:var(--r-lg);overflow:hidden;margin-top:32px;background:#fff;box-shadow:0 18px 40px -30px rgba(59,35,20,.5)}
.calc-inputs{padding:34px}
.field{margin-bottom:26px}
.field-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px}
.field label{font-family:var(--head);font-weight:600;color:var(--brown)}
.field output{font-family:var(--head);font-weight:800;font-size:1.3rem;color:var(--orange-d)}
input[type=range]{width:100%;accent-color:var(--orange);height:28px}
.range-ends{display:flex;justify-content:space-between;font-size:.82rem;color:var(--muted)}
.calc-result{background:linear-gradient(160deg,var(--brown),var(--brown-m));color:#fff;padding:34px;display:flex;flex-direction:column;justify-content:center}
.calc-result .big{font-family:var(--head);font-size:3rem;font-weight:800;color:var(--orange-l);line-height:1.05}
.calc-result dl{display:grid;grid-template-columns:1fr auto;gap:8px 16px;margin:20px 0}
.calc-result dd{margin:0;font-weight:700;text-align:right}
.calc-result .note{color:rgba(255,255,255,.7)}

/* requirements */
.req-box{background:#fff;border-radius:var(--r-lg);padding:30px;box-shadow:0 18px 40px -30px rgba(59,35,20,.5)}

/* steps */
.steps{list-style:none;padding:0;margin:38px 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:s;position:relative}
.steps::before{content:"";position:absolute;left:28px;right:28px;top:28px;border-top:2px dashed var(--tan)}
.steps li{position:relative;counter-increment:s;background:#fff;border-radius:var(--r-lg);padding:0 22px 22px;box-shadow:0 18px 40px -32px rgba(59,35,20,.5);margin-top:28px}
.steps li::before{content:counter(s);display:grid;place-items:center;width:56px;height:56px;border-radius:50%;background:var(--orange);color:#fff;font-family:var(--head);font-weight:800;font-size:1.3rem;transform:translateY(-28px);margin-bottom:-12px;box-shadow:0 0 0 6px var(--cream)}
.steps p{color:var(--muted);font-size:.95rem;margin:0}
.timeline{margin-top:26px;display:grid;grid-template-columns:repeat(3,1fr);border-radius:var(--r-md);overflow:hidden;background:#fff;border:1px solid var(--line)}
.timeline div{padding:16px 20px;border-right:1px solid var(--line)}
.timeline div:last-child{border-right:0}
.timeline strong{display:block;font-family:var(--head);font-weight:600;color:var(--brown)}
.timeline span{color:var(--muted);font-size:.92rem}

/* pros cons */
.pc{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:30px}
.pc > div{background:#fff;border-radius:var(--r-lg);padding:28px;box-shadow:0 18px 40px -30px rgba(59,35,20,.5)}

.meta-row{display:flex;flex-wrap:wrap;gap:6px 22px;font-size:.9rem;color:var(--muted);margin:4px 0 14px}
.sources{margin:10px 0 0;padding-left:20px;font-size:.93rem}

/* faq */
.faq{max-width:880px;margin-top:26px}
.faq details{background:#fff;border-radius:var(--r-md);margin-bottom:12px;padding:0 22px;box-shadow:0 12px 30px -26px rgba(59,35,20,.6)}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:18px;padding:18px 0;font-family:var(--head);font-weight:600;font-size:1.05rem;color:var(--brown)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";flex:none;width:28px;height:28px;border-radius:50%;background:var(--peach);color:var(--orange-d);display:grid;place-items:center;font-size:1.2rem;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{color:var(--muted);margin:0 0 18px}

/* final cta */
.cta-band{background:var(--peach);border-radius:30px;padding:52px;display:grid;grid-template-columns:1fr auto;gap:28px;align-items:center}
.cta-band h2{margin-bottom:6px}
.cta-band p{margin:0;color:var(--muted)}

/* footer */
.site-footer{background:var(--brown);color:rgba(255,255,255,.75);padding:64px 0 28px;margin-top:84px;font-size:.92rem}
.foot-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr auto;gap:36px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.14)}
.site-footer .brand-name{color:#fff}
.site-footer .brand-sub{color:var(--orange-l)}
.site-footer h3{color:var(--orange);font-size:.85rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:8px;display:flex;gap:8px;align-items:center}
.site-footer li svg{width:16px;height:16px;color:var(--orange)}
.site-footer a{color:rgba(255,255,255,.85);text-decoration:none}
.site-footer a:hover{color:var(--orange)}
.stamp{width:140px;height:140px;border-radius:50%;border:2px solid var(--orange);display:grid;place-items:center;text-align:center;font-family:var(--script);font-size:1.35rem;line-height:1.1;color:#fff;padding:14px}
.disclosures{padding-top:26px;font-size:.83rem;line-height:1.6;color:rgba(255,255,255,.62)}
.disclosures p{margin-bottom:.9em}
.foot-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.14);padding-top:18px;margin-top:10px;font-size:.84rem}

/* sticky + top */
.sticky-apply{position:fixed;left:0;right:0;bottom:0;z-index:9990;padding:10px 16px calc(10px + env(safe-area-inset-bottom,0px));background:rgba(59,35,20,.96);display:none;transform:translateY(110%);transition:transform .25s}
.sticky-apply.show{transform:none}
.sticky-apply .btn{width:100%}
.to-top{position:fixed;right:22px;bottom:calc(22px + env(safe-area-inset-bottom,0px));z-index:9990;width:48px;height:48px;border-radius:50%;background:var(--orange);color:#fff;border:0;display:grid;place-items:center;cursor:pointer;opacity:0;pointer-events:none;transition:opacity .2s;box-shadow:0 10px 24px -8px rgba(242,140,40,.8)}
.to-top.show{opacity:1;pointer-events:auto}

/* responsive */
@media (max-width:1080px){
  .split{grid-template-columns:1fr;gap:26px}
  .cards{grid-auto-columns:calc((100% - 24px)/2)}
  .trust ul{grid-template-columns:repeat(3,1fr);row-gap:22px}
  .foot-top{grid-template-columns:1fr 1fr 1fr}
  .stamp{display:none}
}
@media (max-width:960px){
  .topbar ul li:nth-child(3){display:none}
  .nav-links,.nav > .btn{display:none}
  .menu-toggle{display:block}
  .nav-links.open{display:flex;position:absolute;top:80px;left:0;right:0;flex-direction:column;gap:0;background:#fff;padding:6px 20px 18px;border-bottom:1px solid var(--line);box-shadow:0 20px 30px -20px rgba(59,35,20,.4)}
  .nav-links.open a{display:block;padding:12px 0;border-bottom:1px solid var(--line)}
  .hero-grid{grid-template-columns:1fr;padding:44px 0 56px}
  .hero-art{min-height:440px;max-width:520px;width:100%;margin-inline:auto}
  .two-col,.types,.vs,.pc,.calc,.scen{grid-template-columns:1fr}
  .pkgs{grid-template-columns:1fr;gap:30px}
  .pkg.pop{transform:none}
  .form-band{grid-template-columns:1fr;padding:36px 22px;border-radius:24px}
  .envelope{display:none}
  .tabs{grid-template-columns:1fr}
  .tab-list{flex-direction:row;overflow-x:auto;border-right:0;border-bottom:1px solid var(--line)}
  .tab-btn{border-bottom:0;border-right:1px solid var(--line);white-space:nowrap}
  .tab-btn[aria-selected="true"]{box-shadow:inset 0 -4px 0 var(--orange)}
  .tab-panel{grid-template-columns:1fr;padding:24px 20px}
  .tab-panel .tp-img,.tab-panel .tp-illo{aspect-ratio:16/9}
  .steps{grid-template-columns:1fr 1fr}
  .steps::before{display:none}
  .timeline{grid-template-columns:1fr}
  .timeline div{border-right:0;border-bottom:1px solid var(--line)}
  .cta-band{grid-template-columns:1fr;padding:36px 24px}
  .sticky-apply{display:block}
  .to-top{display:none}
}
@media (max-width:600px){
  body{font-size:16px}
  .band,.section{padding:60px 0}
  .topbar ul li:nth-child(2){display:none}
  .cards{grid-auto-columns:86%}
  .trust ul{grid-template-columns:repeat(2,1fr)}
  .hero-art{min-height:380px}
  .badge-a{top:40px}
  .steps{grid-template-columns:1fr}
  .fact-list{grid-template-columns:1fr;gap:2px}
  .fact-list dd{margin-bottom:10px}
  .foot-top{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}
/* ========================================================================
   SUBPAGE STYLES (loans, amounts, rates, how-it-works, loan-types, faq)
   ======================================================================== */

/* subpage hero */
.page-hero{background:linear-gradient(180deg,var(--peach) 0,var(--cream) 100%);padding:56px 0 48px;border-bottom:1px solid var(--line)}
.page-hero .crumbs{font-size:.9rem;color:var(--muted);margin-bottom:18px}
.page-hero .crumbs a{color:var(--muted);text-decoration:none;border-bottom:1px dotted var(--muted)}
.page-hero .crumbs a:hover{color:var(--orange-d);border-color:var(--orange-d)}
.page-hero .crumbs span[aria-current]{color:var(--brown);font-weight:600}
.page-hero-inner{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center}
.page-hero h1{font-family:var(--head);font-size:clamp(2rem,4.4vw,3.2rem);line-height:1.1;color:var(--brown);margin:12px 0 18px}
.page-hero .lede{color:var(--muted);font-size:1.08rem;line-height:1.6;margin:0 0 24px;max-width:52ch}
.page-hero-img img{width:100%;height:auto;border-radius:24px;box-shadow:0 30px 60px -30px rgba(59,35,20,.5);object-fit:cover}
.page-hero .hero-ctas{display:flex;gap:12px;flex-wrap:wrap}

/* button extras */
.btn-sm{padding:10px 18px;font-size:.9rem}
.btn-ghost{background:transparent;color:var(--brown);border:2px solid var(--brown);border-radius:999px;padding:12px 22px;font-family:var(--head);font-weight:600;text-decoration:none;display:inline-flex;align-items:center;transition:all .2s}
.btn-ghost:hover{background:var(--brown);color:#fff}

/* duo layout: text + image side by side */
.duo{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;margin-top:18px}
.duo.reverse > :first-child{order:2}
.duo h3{font-family:var(--head);color:var(--brown);margin:0 0 12px;font-size:1.3rem}

/* trio: three equal cards */
.trio{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:24px}
.trio-card{background:#fff;border-radius:18px;overflow:hidden;box-shadow:0 14px 36px -24px rgba(59,35,20,.4);padding:0;display:flex;flex-direction:column}
.trio-card img{width:100%;height:180px;object-fit:cover}
.trio-card h3{font-family:var(--head);color:var(--brown);margin:16px 18px 6px;font-size:1.1rem}
.trio-card p{margin:0 18px 18px;color:var(--muted);font-size:.95rem}

/* related topics grid */
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:24px}
.related-grid a{display:flex;align-items:center;justify-content:space-between;background:#fff;border-radius:14px;padding:18px 22px;text-decoration:none;color:var(--brown);font-family:var(--head);font-weight:600;box-shadow:0 10px 28px -22px rgba(59,35,20,.4);transition:all .2s}
.related-grid a:hover{transform:translateY(-2px);box-shadow:0 18px 40px -22px rgba(242,140,40,.5);color:var(--orange-d)}
.related-grid a span{color:var(--orange)}

/* tier cards (amounts page) */
.tier-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:28px}
.tier{background:#fff;border-radius:20px;padding:28px;box-shadow:0 20px 50px -32px rgba(59,35,20,.5);display:flex;flex-direction:column;gap:14px}
.tier-head{display:flex;align-items:baseline;justify-content:space-between;gap:14px;flex-wrap:wrap}
.tier-range{font-family:var(--head);font-weight:800;color:var(--orange-d);font-size:1.35rem}
.tier-term{color:var(--muted);font-size:.9rem;background:var(--peach);padding:4px 12px;border-radius:999px}
.tier-ex{list-style:none;padding:0;margin:0;display:grid;gap:6px;color:var(--brown);font-size:.95rem}
.tier-ex b{color:var(--brown);font-weight:700}
.tier .btn{margin-top:auto;align-self:start}

/* info-box, num-grid, kv */
.info-box{background:var(--peach);border-left:4px solid var(--orange);border-radius:12px;padding:18px 22px;margin-top:20px}
.info-box p{margin:0;color:var(--brown)}
.num-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0}
.num-card{background:#fff;border-radius:16px;padding:24px;text-align:center;box-shadow:0 14px 36px -24px rgba(59,35,20,.4)}
.num-card b{display:block;font-family:var(--head);font-weight:800;color:var(--orange-d);font-size:2rem;margin-bottom:6px}
.num-card span{color:var(--muted);font-size:.9rem}
.kv{color:var(--muted);font-size:.95rem;line-height:1.7}
.kv b{color:var(--brown)}

/* fee table */
.fee-table-wrap{overflow-x:auto;margin-top:20px;border-radius:16px;box-shadow:0 14px 36px -24px rgba(59,35,20,.4);background:#fff}
.fee-table{width:100%;border-collapse:collapse;min-width:560px}
.fee-table th,.fee-table td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--line);font-size:.95rem}
.fee-table th{background:var(--peach);color:var(--brown);font-family:var(--head);font-weight:700}
.fee-table tr:last-child td{border-bottom:0}
.fee-table td b{color:var(--brown)}

/* steps (how-it-works) */
.steps{list-style:none;padding:0;margin:28px 0;display:grid;gap:18px}
.steps li{display:grid;grid-template-columns:70px 1fr;gap:22px;align-items:start;background:#fff;border-radius:18px;padding:24px;box-shadow:0 14px 36px -24px rgba(59,35,20,.4)}
.step-num{width:56px;height:56px;border-radius:50%;background:var(--orange);color:#fff;display:grid;place-items:center;font-family:var(--head);font-weight:800;font-size:1.5rem;box-shadow:0 10px 24px -10px rgba(242,140,40,.6)}
.steps h3{font-family:var(--head);color:var(--brown);margin:0 0 8px;font-size:1.2rem}
.steps p{margin:0;color:var(--muted);line-height:1.6}

/* faq category header */
.faq-cat{font-family:var(--head);color:var(--orange-d);font-size:1.3rem;margin:32px 0 12px;padding-top:16px;border-top:2px solid var(--line)}
.faq-cat:first-child{border-top:0;padding-top:0;margin-top:0}

/* subpage responsive */
@media (max-width:900px){
  .page-hero{padding:40px 0 32px}
  .page-hero-inner{grid-template-columns:1fr;gap:28px}
  .duo{grid-template-columns:1fr;gap:24px}
  .duo.reverse > :first-child{order:0}
  .trio,.related-grid,.num-grid,.tier-grid{grid-template-columns:1fr}
  .steps li{grid-template-columns:48px 1fr;gap:14px;padding:18px}
  .step-num{width:44px;height:44px;font-size:1.2rem}
}

/* ========================================================================
   "How to Apply" journey timeline (how-it-works page)
   ======================================================================== */
.journey{list-style:none;padding:0;margin:36px 0 28px;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;position:relative;counter-reset:j}
.journey::before{content:"";position:absolute;top:36px;left:12%;right:12%;height:0;border-top:2.5px dashed var(--tan);z-index:0;opacity:.7}
.j-step{position:relative;z-index:1;background:#fff;border:1px solid var(--line);border-radius:22px;padding:26px 22px 24px;display:flex;flex-direction:column;gap:14px;box-shadow:0 18px 44px -28px rgba(59,35,20,.35);transition:transform .3s ease,box-shadow .3s ease,border-color .3s ease}
.j-step:hover{transform:translateY(-6px);box-shadow:0 30px 60px -28px rgba(242,140,40,.4);border-color:var(--orange-l)}
.j-head{display:flex;align-items:center;justify-content:space-between;gap:10px}
.j-num{width:48px;height:48px;border-radius:50%;background:var(--orange);color:#fff;display:grid;place-items:center;font-family:var(--head);font-weight:800;font-size:1.4rem;border:5px solid #fff;box-shadow:0 10px 24px -8px rgba(242,140,40,.6);flex:none}
.j-time{background:var(--peach);color:var(--brown-m);font-family:var(--head);font-weight:600;font-size:.78rem;padding:5px 11px;border-radius:999px;white-space:nowrap;letter-spacing:.2px;border:1px solid var(--orange-l)}
.j-ic{width:52px;height:52px;border-radius:14px;background:var(--orange-l);display:grid;place-items:center;color:var(--orange-d);flex:none}
.j-ic svg{width:28px;height:28px}
.j-step h3{font-family:var(--head);color:var(--brown);margin:0;font-size:1.12rem;line-height:1.3}
.j-step > p{margin:0;color:var(--muted);line-height:1.55;font-size:.94rem}
.j-list{list-style:none;padding:0;margin:4px 0 0;display:grid;gap:6px;border-top:1px dashed var(--line);padding-top:12px}
.j-list li{display:flex;align-items:center;gap:8px;color:var(--brown);font-size:.86rem;font-family:var(--head);font-weight:500}
.j-list li::before{content:"";width:16px;height:16px;background:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23F28C28' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><path d='M5 12l5 5L20 7'/></svg>") no-repeat center/contain;flex:none}
.journey-cta{display:flex;align-items:center;gap:18px;margin-top:14px;flex-wrap:wrap}
.journey-note{display:inline-flex;align-items:center;gap:7px;color:var(--muted);font-size:.9rem}
.journey-note svg{color:var(--leaf,#2E8B57);flex:none}

@media (max-width:1000px){
  .journey{grid-template-columns:repeat(2,1fr)}
  .journey::before{display:none}
}
@media (max-width:560px){
  .journey{grid-template-columns:1fr}
}

/* ========================================================================
   "How to Apply" flat scene cards (index page)
   ======================================================================== */
.apply-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin:36px 0 28px}
.apply-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:24px 20px 26px;display:flex;flex-direction:column;align-items:center;text-align:center;box-shadow:0 20px 50px -30px rgba(59,35,20,.4);transition:transform .3s ease,box-shadow .3s ease,border-color .3s ease}
.apply-card:hover{transform:translateY(-6px);box-shadow:0 30px 60px -28px rgba(242,140,40,.45);border-color:var(--orange-l)}
.apply-ill{width:140px;height:140px;flex:none}
.apply-n{font-family:var(--head);font-weight:800;color:var(--orange);font-size:.82rem;letter-spacing:.22em;margin:10px 0 4px}
.apply-card h3{font-family:var(--head);color:var(--brown);margin:4px 0 8px;font-size:1.08rem;line-height:1.3}
.apply-card p{color:var(--muted);line-height:1.55;font-size:.93rem;margin:0}

@media (max-width:1000px){.apply-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.apply-grid{grid-template-columns:1fr}.apply-ill{width:120px;height:120px}}