/* ==========================================================================
   LendingOS lender website — one design system, any lender's colours.
   The lender's primary and accent colours arrive at runtime (--brand, --accent,
   --accent-on-dark, from lender_public_profile); every other colour is derived
   from them, so a new lender needs no CSS.
   Type : Archivo (display) / Source Sans 3 (body) / IBM Plex Mono (figures, labels)
   ========================================================================== */
:root{
  --brand:#1F3A5F; --accent:#B8893B; --accent-on-dark:#E4C27A;

  --brand-ink:color-mix(in srgb,var(--brand) 78%,#000);
  --brand-wash:color-mix(in srgb,var(--brand) 9%,#fff);
  --accent-ink:color-mix(in srgb,var(--accent) 70%,#000);
  --accent-wash:color-mix(in srgb,var(--accent) 15%,#fff);

  --paper:color-mix(in srgb,var(--brand) 4%,#F5F4F0);
  --surface:#FFFFFF;
  --surface-2:color-mix(in srgb,var(--brand) 2.5%,#FAF9F6);
  --line:color-mix(in srgb,var(--brand) 10%,#E3E1DB);
  --line-strong:color-mix(in srgb,var(--brand) 16%,#CBC7BE);
  --ink:color-mix(in srgb,var(--brand) 22%,#0E1216);
  --ink-2:color-mix(in srgb,var(--brand) 20%,#353C44);
  --muted:color-mix(in srgb,var(--brand) 12%,#676E76);

  --ink-bg:color-mix(in srgb,var(--brand) 52%,#04070B);
  --ink-bg-2:color-mix(in srgb,var(--brand) 84%,#04070B);
  --ink-w:#F2F4F6;
  --ink-mut:color-mix(in srgb,var(--brand) 26%,#B9C2CC);
  --ink-line:color-mix(in srgb,var(--brand) 78%,#8C99A8);
  --ink-gold:var(--accent-on-dark);

  --ok:#1F7A4D; --warn:#946408; --crit:#A63A31;
  --shadow:0 1px 2px rgba(8,14,22,.06),0 12px 32px -14px rgba(8,14,22,.22);
  --shadow-lg:0 2px 4px rgba(8,14,22,.06),0 30px 60px -22px rgba(8,14,22,.36);
  --r-sm:6px; --r-md:10px; --r-lg:16px; --maxw:1160px;
  color-scheme:light;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation-duration:.01ms!important;transition-duration:.01ms!important}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:"Source Sans 3","Segoe UI",system-ui,-apple-system,sans-serif;
  font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:Archivo,"Helvetica Neue",Arial,sans-serif;font-weight:700;letter-spacing:-.02em;line-height:1.08;text-wrap:balance;margin:0}
p{margin:0} a{color:inherit}
img{max-width:100%;height:auto}
[hidden]{display:none!important}
:focus-visible{outline:2.5px solid var(--accent);outline-offset:2px;border-radius:4px}
[id]{scroll-margin-top:84px}
.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 24px}
.wrap.narrow{max-width:860px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;z-index:200;background:var(--brand);color:#fff;padding:10px 16px;border-radius:8px}
.eyebrow{font-family:"IBM Plex Mono",ui-monospace,Menlo,monospace;font-size:11.5px;font-weight:500;letter-spacing:.16em;text-transform:uppercase;color:var(--accent-ink)}
.muted{color:var(--muted)}
.optional{text-transform:none;letter-spacing:0;font-family:"Source Sans 3",sans-serif;font-weight:400;color:var(--muted)}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-family:Archivo,sans-serif;font-weight:600;font-size:15px;
  letter-spacing:-.01em;padding:13px 22px;border-radius:var(--r-md);border:1px solid transparent;cursor:pointer;text-decoration:none;
  transition:transform .12s ease,background .16s,border-color .16s,color .16s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--brand);color:#fff;border-color:var(--brand)}
.btn-primary:hover{background:var(--brand-ink);border-color:var(--brand-ink)}
.btn-accent{background:var(--ink-gold);color:var(--ink-bg);border-color:var(--ink-gold)}
.btn-accent:hover{background:color-mix(in srgb,var(--ink-gold) 86%,#fff)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line-strong)}
.btn-ghost:hover{border-color:var(--ink);background:var(--surface-2)}
.btn-dark{background:transparent;color:var(--ink-w);border-color:var(--ink-line)}
.btn-dark:hover{border-color:var(--ink-gold);background:color-mix(in srgb,var(--ink-gold) 12%,transparent)}
.btn-wa{background:#1FA855;color:#fff;border-color:#1FA855}
.btn-wa:hover{background:#178047;border-color:#178047}
.btn-block{width:100%}
button[disabled]{opacity:.65;cursor:progress}

/* ---------- header ---------- */
header.site{position:sticky;top:0;z-index:60;background:color-mix(in srgb,var(--paper) 90%,transparent);backdrop-filter:blur(12px);
  -webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--line);padding-top:env(safe-area-inset-top,0px)}
.hdr{display:flex;align-items:center;gap:20px;height:68px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;margin-right:auto;min-width:0}
.brand > span{min-width:0}
.mark{width:38px;height:38px;border-radius:10px;flex:none;background:linear-gradient(150deg,var(--brand),var(--brand-ink));display:grid;place-items:center;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.26);overflow:hidden;font-family:Archivo,sans-serif;font-weight:700;font-size:15px;color:#fff;letter-spacing:-.02em}
.mark img{width:100%;height:100%;object-fit:contain;background:#fff}
.mark::after{content:"";width:6px;height:6px;border-radius:50%;background:var(--ink-gold);position:absolute;transform:translate(12px,-12px);opacity:0}
.brand b{font-family:Archivo,sans-serif;font-weight:700;font-size:19px;letter-spacing:-.025em;display:block;line-height:1.05;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.brand small{font-family:"IBM Plex Mono",monospace;font-size:9.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);display:block;white-space:nowrap}
nav.main{display:flex;gap:24px;align-items:center}
nav.main > a,.dd > button{font-size:15px;text-decoration:none;color:var(--ink-2);font-weight:600;background:none;border:0;font-family:inherit;cursor:pointer;padding:0;transition:color .15s}
nav.main > a:hover,.dd > button:hover{color:var(--brand)}
.hdr .btn{padding:10px 18px;white-space:nowrap}
.dd{position:relative}
.dd > button{display:inline-flex;align-items:center;gap:6px}
.dd > button::after{content:"";width:6px;height:6px;border-right:1.6px solid currentColor;border-bottom:1.6px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .18s}
.dd[data-open="true"] > button::after{transform:rotate(-135deg) translateY(-2px)}
.dd-menu{position:absolute;top:calc(100% + 18px);left:-14px;min-width:300px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);
  box-shadow:var(--shadow-lg);padding:7px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:all .16s ease}
.dd[data-open="true"] .dd-menu{opacity:1;visibility:visible;transform:none}
.dd-menu a{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:10px 12px;border-radius:var(--r-sm);text-decoration:none;color:var(--ink)}
.dd-menu a:hover{background:var(--brand-wash)}
.dd-menu b{font-family:Archivo,sans-serif;font-size:14.5px;font-weight:600}
.dd-menu span{font-family:"IBM Plex Mono",monospace;font-size:11px;color:var(--accent-ink);white-space:nowrap}
.dd-menu hr{border:0;border-top:1px solid var(--line);margin:6px 4px}
.dd-menu .all{color:var(--muted);font-size:13.5px}
.burger{display:none;width:42px;height:42px;border:1px solid var(--line-strong);border-radius:8px;background:transparent;cursor:pointer;padding:0;place-items:center}
.burger i{display:block;width:17px;height:1.8px;background:var(--ink);border-radius:2px;position:relative}
.burger i::before,.burger i::after{content:"";position:absolute;left:0;width:17px;height:1.8px;background:var(--ink);border-radius:2px}
.burger i::before{top:-5.5px}.burger i::after{top:5.5px}
.mobnav{display:none;border-top:1px solid var(--line);background:var(--surface);padding:10px 0 16px}
.mobnav.on{display:block}
.mobnav a{display:flex;align-items:center;justify-content:space-between;gap:10px;min-height:48px;padding:0 24px;text-decoration:none;font-weight:600;color:var(--ink-2);font-size:16px}
.mobnav a span{font-family:"IBM Plex Mono",monospace;font-size:11.5px;color:var(--accent-ink);font-weight:500}
.mobnav a:hover{background:var(--surface-2);color:var(--brand)}
.mobnav .grp{font-family:"IBM Plex Mono",monospace;font-size:10px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);padding:12px 24px 4px}
@media(max-width:1040px){nav.main{display:none}.burger{display:grid}.hdr{height:62px;gap:12px}}
@media(max-width:520px){.brand small{display:none}.brand b{font-size:17.5px}.hdr .btn{padding:9px 13px;font-size:14px}}
@media(max-width:420px){.hdr > .btn{display:none}}              /* the bottom bar carries "Apply now" */

/* ---------- hero ---------- */
.hero{background:radial-gradient(1100px 520px at 82% -10%,color-mix(in srgb,var(--ink-gold) 22%,transparent),transparent 62%),
  linear-gradient(174deg,var(--ink-bg-2),var(--ink-bg) 62%);color:var(--ink-w);border-bottom:1px solid var(--ink-line);position:relative;overflow:hidden;overflow:clip}   /* clip: not a scroll container, so focus can't shift it sideways */
.hero::after{content:"";position:absolute;inset:0;pointer-events:none;
  background:repeating-linear-gradient(to bottom,transparent 0 33px,rgba(180,195,215,.07) 33px 34px);
  -webkit-mask-image:linear-gradient(to bottom,transparent,#000 40%,transparent);mask-image:linear-gradient(to bottom,transparent,#000 40%,transparent)}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,420px);gap:56px;align-items:start;padding-block:74px 86px}
.hero h1{font-size:clamp(2.5rem,5.4vw,4rem);margin:20px 0 0}
.hero h1 .u{background-image:linear-gradient(var(--ink-gold),var(--ink-gold));background-size:100% 3px;background-position:0 92%;background-repeat:no-repeat;padding-bottom:2px}
.hero .eyebrow{color:var(--ink-gold)}
.lede{font-size:19.5px;color:var(--ink-mut);max-width:44ch;margin-top:22px}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.trust{display:grid;grid-template-columns:repeat(3,minmax(0,max-content));margin-top:44px;border-top:1px solid var(--ink-line)}
.trust div{padding:18px 22px 0 0;margin-right:22px;border-right:1px solid var(--ink-line)}
.trust div:last-child{border-right:0;margin-right:0}
.trust b{display:block;font-family:Archivo,sans-serif;font-size:17px;font-weight:600}
.trust span{font-family:"IBM Plex Mono",monospace;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-mut);line-height:1.5}
@media(max-width:980px){.hero-grid{grid-template-columns:1fr;gap:38px;padding-block:52px 60px}}

/* ---------- calculator ---------- */
.calc{background:var(--surface);color:var(--ink);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);overflow:hidden}
.calc-head{padding:14px 18px;border-bottom:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;gap:12px;background:var(--surface-2)}
.calc-head strong{font-family:Archivo,sans-serif;font-size:15.5px;font-weight:700}
.calc-head .eyebrow{color:var(--ok);display:inline-flex;align-items:center;gap:7px;white-space:nowrap;flex-shrink:0}
.calc-head .eyebrow::before{content:"";width:6px;height:6px;border-radius:50%;background:currentColor;box-shadow:0 0 0 3px color-mix(in srgb,var(--ok) 18%,transparent)}
.calc-body{padding:17px 18px}
.field{margin-bottom:14px;min-width:0}
.field > label,.flabel{display:block;font-family:"IBM Plex Mono",monospace;font-size:10.5px;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.seg{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:6px}
.seg button{font-family:"Source Sans 3",sans-serif;font-size:14px;font-weight:600;padding:9px 6px;border-radius:var(--r-sm);cursor:pointer;
  background:var(--surface-2);border:1px solid var(--line);color:var(--ink-2);transition:all .14s}
.seg button:hover{border-color:var(--line-strong);color:var(--ink)}
.seg button[aria-pressed="true"]{background:var(--brand-wash);border-color:var(--brand);color:var(--brand-ink)}
.seg.tenure{grid-template-columns:repeat(auto-fit,minmax(52px,1fr));gap:5px}
.seg.tenure button{font-family:"IBM Plex Mono",monospace;font-size:12.5px;font-variant-numeric:tabular-nums;padding:7px 3px}
.amt{display:flex;align-items:stretch;border:1px solid var(--line);border-radius:var(--r-sm);overflow:hidden;background:var(--surface-2)}
.amt .cur{display:grid;place-items:center;padding:0 11px;background:var(--surface);border-right:1px solid var(--line);
  font-family:"IBM Plex Mono",monospace;font-size:12px;font-weight:600;color:var(--muted);letter-spacing:.06em}
.amt input{flex:1;min-width:0;border:0;background:transparent;color:var(--ink);font-family:"IBM Plex Mono",monospace;font-size:19px;font-weight:500;
  font-variant-numeric:tabular-nums;padding:9px 11px}
.amt input:focus{outline:none}
.amt:focus-within{border-color:var(--brand);box-shadow:0 0 0 3px var(--brand-wash)}
input[type=range]{width:100%;margin:10px 0 3px;-webkit-appearance:none;appearance:none;background:transparent;height:22px}
input[type=range]::-webkit-slider-runnable-track{height:4px;border-radius:99px;background:linear-gradient(90deg,var(--brand) var(--fill,0%),var(--line-strong) var(--fill,0%))}
input[type=range]::-moz-range-track{height:4px;border-radius:99px;background:var(--line-strong)}
input[type=range]::-moz-range-progress{height:4px;border-radius:99px;background:var(--brand)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:19px;height:19px;border-radius:50%;background:var(--brand);border:3px solid var(--surface);
  box-shadow:0 1px 5px rgba(0,0,0,.3);margin-top:-7.5px;cursor:pointer}
input[type=range]::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:var(--brand);border:3px solid var(--surface);box-shadow:0 1px 5px rgba(0,0,0,.3);cursor:pointer}
.range-ends{display:flex;justify-content:space-between;font-family:"IBM Plex Mono",monospace;font-size:11px;color:var(--muted)}
.dateinput,.form input,.form select,.form textarea{width:100%;padding:11px 13px;border-radius:var(--r-sm);border:1px solid var(--line);background:var(--surface-2);
  color:var(--ink);font-family:inherit;font-size:15.5px}
.dateinput{font-family:"IBM Plex Mono",monospace;font-size:15px}
.dateinput:focus,.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3px var(--brand-wash)}
.hint{font-size:12.5px;color:var(--muted);margin-top:5px}
.readout{margin-top:15px;border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;background:var(--surface-2);transition:opacity .15s}
.readout.stale{opacity:.55}
.readout .prime{padding:12px 16px;border-bottom:1px solid var(--line);display:flex;align-items:baseline;justify-content:space-between;gap:12px;flex-wrap:wrap}
.readout .prime .flabel{margin:0}
.big{font-family:"IBM Plex Mono",monospace;font-size:clamp(1.5rem,3.6vw,1.85rem);font-weight:600;font-variant-numeric:tabular-nums;letter-spacing:-.02em;color:var(--ink)}
.rows.disclose{border-bottom:1px solid var(--line)}
.rows.disclose:last-child{border-bottom:0}
.rows div{display:flex;justify-content:space-between;gap:12px;align-items:baseline;padding:5.5px 16px;border-bottom:1px dashed var(--line);font-size:13.5px}
.rows div:last-child{border-bottom:0}
.rows span:first-child{color:var(--muted)}
.rows span:last-child{font-family:"IBM Plex Mono",monospace;font-variant-numeric:tabular-nums;font-weight:500;color:var(--ink);text-align:right}
.rows div.emph{background:var(--surface);font-weight:600}
.rows div.emph span:first-child{color:var(--ink)}
.rows div.emph span:last-child{font-weight:600}
.rows div.total span:last-child{color:var(--brand);font-size:15.5px}
.rows .minus{color:var(--crit)!important}
.rows.timing{display:grid;grid-template-columns:1fr 1fr}
.rows.timing div{border-bottom:0;padding:5px 14px;gap:8px}
.rows.timing div:nth-child(-n+2){border-bottom:1px dashed var(--line)}
.rows.timing div:nth-child(odd){border-right:1px dashed var(--line)}
.rows.timing span:first-child{font-size:12px}
.rows.timing span:last-child{font-size:12.5px}
.calc-err{margin-top:10px;font-size:13.5px;color:var(--crit)}
.pill{font-family:"IBM Plex Mono",monospace;font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;padding:3px 9px;border-radius:99px;border:1px solid currentColor;white-space:nowrap}
.pill.ok{color:var(--ok)}.pill.warn{color:var(--warn)}.pill.crit{color:var(--crit)}
.disc{margin-top:13px;border:1px solid var(--ok);border-radius:var(--r-md);padding:12px 14px;background:color-mix(in srgb,var(--ok) 7%,var(--surface))}
.disc-top,.dsr-top{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:8px;margin-bottom:8px}
.disc-top .flabel,.dsr-top .flabel{margin:0}
.disc p{font-size:13px;color:var(--ink-2);line-height:1.55}
.dsr-field{margin-top:16px}
.dsr{margin-top:-2px;border:1px solid var(--line);border-radius:var(--r-md);padding:12px 14px;background:var(--surface-2)}
.meter{position:relative;height:9px;border-radius:99px;background:var(--line)}
.meter i{position:absolute;inset:0 auto 0 0;border-radius:99px;transition:width .35s cubic-bezier(.4,0,.2,1);background:var(--ok);width:0}
.meter i.warn{background:var(--warn)}.meter i.crit{background:var(--crit)}
.meter u{position:absolute;top:-5px;bottom:-5px;width:2px;background:var(--ink-2);opacity:.55;border-radius:2px}
.dsr small{display:block;margin-top:9px;font-size:12.5px;color:var(--muted);line-height:1.45}
.sched-toggle{width:100%;margin-top:13px;background:transparent;border:1px dashed var(--line-strong);color:var(--ink-2);font-family:"IBM Plex Mono",monospace;
  font-size:11px;letter-spacing:.1em;text-transform:uppercase;padding:10px;border-radius:var(--r-sm);cursor:pointer;transition:all .15s}
.sched-toggle:hover{border-color:var(--brand);color:var(--brand)}
.sched-wrap{overflow-x:auto;margin-top:12px;border:1px solid var(--line);border-radius:var(--r-sm)}
table.sched{width:100%;border-collapse:collapse;font-size:13px;min-width:420px}
table.sched th{font-family:"IBM Plex Mono",monospace;font-size:10px;letter-spacing:.11em;text-transform:uppercase;color:var(--muted);text-align:right;padding:8px 10px;
  border-bottom:1px solid var(--line-strong);background:var(--surface-2);font-weight:500}
table.sched th:first-child,table.sched td:first-child{text-align:left}
table.sched td{padding:6px 10px;text-align:right;border-bottom:1px dashed var(--line);font-family:"IBM Plex Mono",monospace;font-variant-numeric:tabular-nums;white-space:nowrap}
table.sched td:first-child{color:var(--muted)}
table.sched tr:last-child td{border-bottom:0}
table.sched tfoot td{border-top:1px solid var(--line-strong);border-bottom:0;font-weight:600;background:var(--surface-2)}
.calc-foot{padding:0 18px 18px}
.fine{font-size:11.5px;color:var(--muted);margin-top:10px;line-height:1.5}

/* ---------- sections ---------- */
section{padding:84px 0;border-bottom:1px solid var(--line)}
section.tint{background:var(--surface-2)}
.s-head{max-width:62ch;margin-bottom:40px}
.s-head h2{font-size:clamp(1.85rem,3.7vw,2.6rem);margin:14px 0 0}
.s-head p{color:var(--muted);font-size:18px;margin-top:14px}
.rule{height:1px;background:linear-gradient(90deg,var(--accent),var(--line) 34%,transparent);width:64px;margin-bottom:18px}
.grid-4{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(270px,100%),1fr));gap:18px}
.prod{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;display:flex;flex-direction:column;gap:14px;
  text-decoration:none;color:inherit;transition:border-color .18s,transform .18s,box-shadow .18s;min-width:0}
.prod:hover{border-color:var(--brand);transform:translateY(-3px);box-shadow:var(--shadow)}
.tag{align-self:flex-start;font-family:"IBM Plex Mono",monospace;font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-ink);
  background:var(--accent-wash);padding:4px 9px;border-radius:99px}
.prod h3{font-size:22px}
.rate{font-family:"IBM Plex Mono",monospace;font-size:27px;font-weight:600;font-variant-numeric:tabular-nums;letter-spacing:-.03em;color:var(--brand)}
.rate em{font-style:normal;font-size:13.5px;color:var(--muted);font-weight:400;letter-spacing:0}
.prod p{font-size:15.5px;color:var(--ink-2)}
.prod p.rate{font-size:27px;line-height:1.1;color:var(--brand)}
.ticks{list-style:none;padding:0;margin:0;display:grid;gap:7px;font-size:14.5px;color:var(--ink-2)}
.ticks li{padding-left:19px;position:relative}
.ticks li::before{content:"";position:absolute;left:0;top:.62em;width:8px;height:2px;background:var(--accent);border-radius:2px}
.go{margin-top:auto;padding-top:14px;border-top:1px dashed var(--line);font-family:Archivo,sans-serif;font-weight:600;font-size:14.5px;color:var(--brand);
  display:inline-flex;gap:6px;align-items:center;transition:gap .15s}
.prod:hover .go{gap:10px}
.example{margin:0;font-size:14px;color:var(--muted);background:var(--surface-2);border:1px solid var(--line);border-radius:var(--r-sm);padding:10px 12px;line-height:1.5}
.example b{color:var(--ink);font-family:"IBM Plex Mono",monospace;font-weight:500;font-size:13.5px}

.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(200px,100%),1fr));border-top:1px solid var(--line-strong)}
.step{padding:26px 24px 26px 0;border-right:1px solid var(--line);position:relative}
.step + .step{padding-left:24px}
.step:last-child{border-right:0}
.step::before{content:"";position:absolute;top:-1px;left:0;width:32px;height:2px;background:var(--accent)}
.step + .step::before{left:24px}
.step .n{font-family:"IBM Plex Mono",monospace;font-size:12px;color:var(--accent-ink);letter-spacing:.1em;display:block;margin-bottom:10px}
.step h3{font-size:18px;margin-bottom:8px}
.step p{font-size:15px;color:var(--muted)}
@media(max-width:760px){.step,.step + .step{border-right:0;border-bottom:1px solid var(--line);padding:22px 0}.step + .step::before{left:0}.step:last-child{border-bottom:0}}

.why{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(250px,100%),1fr));gap:22px}
.why div{border-top:2px solid var(--line-strong);padding-top:18px}
.why div:first-child{border-top-color:var(--accent)}
.why h3{font-size:18.5px;margin-bottom:8px}
.why p{font-size:15.5px;color:var(--muted)}

.reqs{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(250px,100%),1fr));gap:12px;list-style:none;padding:0;margin:0}
.reqs li{display:flex;gap:12px;align-items:flex-start;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:15px 16px;font-size:15.5px}
.reqs b{display:block;font-family:Archivo,sans-serif;font-weight:600;font-size:15.5px}
.reqs small{color:var(--muted);font-size:13.5px;display:block;margin-top:2px}
.tick{flex:none;width:19px;height:19px;border-radius:5px;border:1.5px solid var(--accent);display:grid;place-items:center;margin-top:3px;color:var(--accent-ink);font-size:11px;font-weight:700}

details.faq{border-bottom:1px solid var(--line);padding:4px 0}
details.faq summary{cursor:pointer;list-style:none;padding:18px 40px 18px 0;position:relative;font-family:Archivo,sans-serif;font-weight:600;font-size:17.5px;letter-spacing:-.01em}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";position:absolute;right:6px;top:50%;transform:translateY(-50%);font-family:"IBM Plex Mono",monospace;font-size:20px;color:var(--accent-ink)}
details.faq[open] summary::after{content:"\2013"}
details.faq p{padding:0 40px 20px 0;color:var(--ink-2);font-size:16px;max-width:70ch}

/* ---------- forms and the application ---------- */
.form{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;box-shadow:var(--shadow)}
.form .field{margin-bottom:16px}
.form textarea{resize:vertical;min-height:82px}
.form .field > label{font-family:"Source Sans 3",sans-serif;font-size:14.5px;letter-spacing:0;text-transform:none;color:var(--ink-2);font-weight:600}
.form-h{font-size:19px;margin-bottom:18px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
@media(max-width:560px){.two{grid-template-columns:1fr}}
.req::after{content:" *";color:var(--accent-ink)}
.err{font-size:12.5px;color:var(--crit);margin-top:5px;display:none}
.field.bad input,.field.bad select,.field.bad textarea{border-color:var(--crit)}
.field.bad .err{display:block}
.field.bad .hint{display:none}
.check{display:flex;gap:11px;align-items:flex-start;font-size:15px;cursor:pointer;line-height:1.5;color:var(--ink-2)}
.check input{width:18px!important;height:18px;margin-top:3px;flex:none;accent-color:var(--brand);padding:0!important}
.field.bad .check span{color:var(--crit)}
.field > label.check,.form .field > label.check{display:flex;font-family:"Source Sans 3",sans-serif;font-size:15px;letter-spacing:0;text-transform:none;font-weight:500;color:var(--ink-2);margin:0}
.form .check input{min-height:0}
ol.wiz-steps{display:flex;gap:0;margin:0 0 26px;padding:0;list-style:none;border-top:1px solid var(--line-strong);overflow-x:auto}
ol.wiz-steps li{flex:1 0 auto;min-width:118px;padding:14px 14px 0 0;border-top:3px solid transparent;margin-top:-1px}
ol.wiz-steps li.on{border-top-color:var(--brand)}
ol.wiz-steps li.done{border-top-color:var(--ok)}
ol.wiz-steps .n{font-family:"IBM Plex Mono",monospace;font-size:10.5px;letter-spacing:.14em;color:var(--muted)}
ol.wiz-steps b{display:block;font-family:Archivo,sans-serif;font-size:14.5px;margin-top:3px;color:var(--ink-2)}
ol.wiz-steps li.on b{color:var(--brand)}
ol.wiz-steps li.done b{color:var(--ok)}
@media(max-width:560px){ol.wiz-steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));overflow:visible}ol.wiz-steps li{min-width:0;padding:12px 6px 0 0}ol.wiz-steps .n{font-size:9.5px;letter-spacing:.1em}ol.wiz-steps b{font-size:13px;line-height:1.25}}
fieldset.pane{border:0;margin:0;padding:0;min-width:0}
.pane-h{font-family:Archivo,sans-serif;font-weight:700;letter-spacing:-.02em;font-size:1.45rem;margin-bottom:4px;padding:0}
.pane-s{margin-bottom:20px;font-size:15.5px}
.note{margin-top:4px;font-size:14.5px;color:var(--ink-2);line-height:1.55;border-left:3px solid var(--accent);padding:10px 0 10px 13px;background:var(--accent-wash);border-radius:0 var(--r-sm) var(--r-sm) 0}
.note:empty{display:none}
.note b{font-family:"IBM Plex Mono",monospace;font-weight:600;font-size:14px;color:var(--ink)}
.wiz-nav{display:flex;gap:10px;margin-top:22px}
.wiz-nav .btn{flex:1}
.review{display:grid;gap:14px;margin-bottom:22px}
.rev-block{background:var(--surface-2);border:1px solid var(--line);border-radius:var(--r-md);padding:15px 18px}
.rev-block h3{font-size:14.5px;margin-bottom:10px;color:var(--brand)}
.rev-block dl{margin:0;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:6px 16px;font-size:14.5px}
.rev-block dt{color:var(--muted)}
.rev-block dd{margin:0;text-align:right;font-family:"IBM Plex Mono",monospace;font-variant-numeric:tabular-nums;word-break:break-word}
@media(max-width:560px){.rev-block dl{grid-template-columns:1fr;gap:0}.rev-block dt{margin-top:9px;font-size:13.5px}.rev-block dt:first-child{margin-top:0}.rev-block dd{text-align:left}}
.form-error{margin-top:14px;font-size:14.5px;color:var(--crit);border:1px solid color-mix(in srgb,var(--crit) 40%,transparent);background:color-mix(in srgb,var(--crit) 7%,var(--surface));
  border-radius:var(--r-sm);padding:11px 13px}
.sendbox{border-radius:var(--r-md);padding:18px 20px;font-size:15.5px;line-height:1.55}
.sendbox b{display:block;font-family:Archivo,sans-serif;font-size:18px;margin-bottom:6px}
.sendbox p{color:var(--ink-2);margin:0 0 8px}
.sendbox p:last-child{margin-bottom:0}
.sendbox.ok{background:color-mix(in srgb,var(--ok) 9%,var(--surface));border:1px solid var(--ok)}
.sendbox.ok b{color:var(--ok)}
#cb-ok{margin:0 0 14px}
.ref{font-family:"IBM Plex Mono",monospace;font-weight:600;color:var(--brand);letter-spacing:.03em}

.contact-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.9fr);gap:48px;align-items:start}
@media(max-width:860px){.contact-grid{grid-template-columns:1fr;gap:28px}}
.contact{margin:0;display:grid;gap:0;border-top:1px solid var(--line-strong)}
.contact div{display:grid;grid-template-columns:120px minmax(0,1fr);gap:14px;padding:13px 0;border-bottom:1px solid var(--line)}
.contact dt{font-family:"IBM Plex Mono",monospace;font-size:10.5px;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);padding-top:4px}
.contact dd{margin:0;font-size:17px;font-weight:600;overflow-wrap:anywhere}
.contact dd a{text-decoration:none;color:var(--brand)}

/* ---------- call to action ---------- */
.cta{background:linear-gradient(174deg,var(--ink-bg-2),var(--ink-bg));color:var(--ink-w);border-top:1px solid var(--ink-line);border-bottom:0;position:relative;overflow:hidden;overflow:clip;padding:0}
.cta .glow{position:absolute;width:760px;height:760px;left:-200px;bottom:-420px;border-radius:50%;background:radial-gradient(circle,color-mix(in srgb,var(--ink-gold) 20%,transparent),transparent 62%)}
.hero .glow{position:absolute;width:520px;height:520px;right:-160px;bottom:-300px;border-radius:50%;background:radial-gradient(circle,color-mix(in srgb,var(--ink-gold) 10%,transparent),transparent 62%)}
.cta .wrap{position:relative;z-index:1;padding:66px 24px}
.cta .eyebrow{color:var(--ink-gold)}
.cta h2{font-size:clamp(1.9rem,3.8vw,2.7rem);margin-top:14px}
.cta p{color:var(--ink-mut);font-size:18px;margin-top:14px;max-width:52ch}
.cta .row{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}

/* ---------- footer ---------- */
footer.site{background:var(--ink-bg);color:var(--ink-w);padding:56px 0 calc(30px + env(safe-area-inset-bottom,0px))}
footer.site .cols{display:grid;grid-template-columns:1.7fr 1fr 1fr 1.2fr;gap:34px;padding-bottom:32px;border-bottom:1px solid var(--ink-line)}
@media(max-width:860px){footer.site .cols{grid-template-columns:1fr 1fr}}
@media(max-width:520px){footer.site .cols{grid-template-columns:1fr}}
footer.site .brand{margin-bottom:14px}
footer.site .brand b{color:var(--ink-w)}
footer.site .brand small{color:var(--ink-mut)}
.mark-foot{background:linear-gradient(150deg,color-mix(in srgb,var(--brand) 70%,#fff),var(--brand))}
footer.site h4{font-family:"IBM Plex Mono",monospace;font-size:10.5px;letter-spacing:.15em;text-transform:uppercase;color:var(--ink-mut);margin:0 0 14px;font-weight:500}
footer.site a{color:var(--ink-w);text-decoration:none;font-size:15px;display:block;padding:3px 0;opacity:.86}
footer.site a:hover{opacity:1;color:var(--ink-gold)}
footer.site p{color:var(--ink-mut);font-size:14.5px;max-width:40ch}
footer.site .plain{color:var(--ink-w);opacity:.86;font-size:15px;padding:3px 0;max-width:none}
.licence{font-family:"IBM Plex Mono",monospace;font-size:12px;color:var(--ink-mut);border:1px solid var(--ink-line);border-radius:var(--r-sm);padding:9px 12px;margin-top:16px;display:inline-block;line-height:1.6}
.legal{display:flex;justify-content:space-between;gap:10px 18px;flex-wrap:wrap;padding-top:22px;font-size:13px;color:var(--ink-mut)}
.powered{font-family:"IBM Plex Mono",monospace;font-size:10.5px;letter-spacing:.14em;text-transform:uppercase}

/* ---------- WhatsApp and the phone bar ---------- */
.wafloat{position:fixed;right:18px;bottom:22px;z-index:70;width:52px;height:52px;border-radius:50%;background:#1FA855;display:grid;place-items:center;
  box-shadow:0 8px 24px -6px rgba(0,0,0,.45);text-decoration:none;transition:transform .15s}
.wafloat:hover{transform:scale(1.06)}
.wafloat svg{width:27px;height:27px;fill:#fff}
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:69;display:none;gap:9px;padding:10px 14px calc(10px + env(safe-area-inset-bottom,0px));
  background:color-mix(in srgb,var(--paper) 94%,transparent);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-top:1px solid var(--line)}
.mbar .btn{flex:1;padding:12px}
@media(max-width:1040px){.mbar:not([hidden]){display:flex}body{padding-bottom:72px}.wafloat{bottom:88px}}

/* reveal: visible by default; only animated once the script has run */
.js .rv{opacity:0;transform:translateY(14px);transition:opacity .55s ease,transform .55s ease}
.js .rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.js .rv{opacity:1;transform:none}}

.unavailable{padding:96px 24px;max-width:680px}
.unavailable h1{font-size:clamp(1.8rem,4vw,2.6rem);margin:14px 0 12px}
.unavailable p{color:var(--muted);font-size:18px}

/* ---------- phones: 44px targets, nothing under 12px ---------- */
@media (max-width:640px){
  .seg button{min-height:46px;font-size:15px}
  .seg.tenure{grid-template-columns:repeat(auto-fit,minmax(62px,1fr));gap:7px}
  .seg.tenure button{min-height:46px;font-size:14px;padding:0 4px}
  .btn{min-height:48px;padding:13px 20px;font-size:15.5px}
  .sched-toggle{min-height:46px;font-size:12px}
  details.faq summary{padding-top:20px;padding-bottom:20px;font-size:17px}
  input[type=range]{height:44px;margin:6px 0 2px}
  input[type=range]::-webkit-slider-thumb{width:28px;height:28px;margin-top:-12px;border-width:4px}
  .form input,.form select,.form textarea,.dateinput,.amt input{font-size:16px;min-height:48px}
  .amt input{font-size:19px}
  .eyebrow{font-size:11.5px;letter-spacing:.14em}
  .trust{display:grid;grid-template-columns:1fr;margin-top:30px}
  .trust div{border-right:0;border-bottom:1px solid var(--ink-line);margin-right:0;padding:14px 0}
  .trust div:last-child{border-bottom:0}
  .field > label,.flabel{font-size:11.5px}
  .rows div{font-size:14px;padding:8px 14px}
  .rows.timing span:first-child{font-size:12.5px}
  .rows.timing span:last-child{font-size:13.5px}
  .fine,.hint,.dsr small,.disc p{font-size:13px}
  section{padding:56px 0}
  .s-head{margin-bottom:28px}
  .hero-grid{padding-block:40px 48px;gap:30px}
  .wrap{padding:0 20px}
  .calc-body{padding:16px}
  .form{padding:20px}
  .contact div{grid-template-columns:1fr;gap:2px}
  footer.site a{padding:10px 0;font-size:15.5px}
}
@media (max-width:380px){.big{font-size:1.5rem}.hero h1{font-size:2.1rem}}