/* ==========================================================================
   GaltCreditLoans.com — "Onyx & Champagne"
   Panel-stacked editorial layout. Vanilla CSS, custom properties only.
   ========================================================================== */

:root{
  /* palette */
  --greige:#E4E0D8;
  --cream:#F8F6F1;
  --white:#FFFFFF;
  --ink:#15130F;
  --ink-soft:#3A362E;
  --gray:#6A655C;
  --gray-2:#6C6659;
  --line:#E4E0D8;
  --line-2:#D4CEC2;
  --sand:#EFEBE2;
  --gold:#B89B6E;
  --gold-deep:#9A7F55;
  --gold-text:#7A6238;
  --ok:#3E7D5B;
  --no:#A84A38;
  --dark:#1A1712;
  --cream-on-dark:#F1EBDF;

  /* type */
  --display:"Cormorant Garamond",'Iowan Old Style',Georgia,'Times New Roman',serif;
  --ui:"Inter",-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;

  /* layout */
  --stack:1240px;
  --gap:22px;
  --pad:clamp(22px,4vw,58px);
  --r:18px;
  --r-sm:12px;
  --shadow:0 24px 50px -26px rgba(0,0,0,.2);
  --shadow-lift:0 34px 66px -28px rgba(0,0,0,.28);
  --ease:cubic-bezier(.22,.61,.36,1);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;background:var(--greige);color:var(--ink);
  font-family:var(--ui);font-size:14px;font-weight:400;line-height:1.6;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:inherit}
button,input,select,textarea{font:inherit;color:inherit}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:4px}

.skip{position:absolute;left:-9999px;top:0;background:var(--ink);color:var(--cream-on-dark);
  padding:12px 20px;z-index:200;border-radius:0 0 10px 0}
.skip:focus{left:0}

/* ---------- stack + panel ------------------------------------------------ */
.stack{max-width:var(--stack);margin:0 auto;padding:var(--gap) 18px 0;
  display:flex;flex-direction:column;gap:var(--gap)}
.stack > main{display:contents}
.img-fallback{background:linear-gradient(135deg,#2a251d 0%,#15130F 58%,#3A362E 100%)}
.img-fallback.warm{background:
  radial-gradient(120% 90% at 78% 22%,rgba(184,155,110,.42) 0%,rgba(184,155,110,0) 58%),
  linear-gradient(150deg,#EFEBE2 0%,#E4E0D8 46%,#D4CEC2 100%)}
.panel{
  background:var(--cream);border:1px solid var(--white);border-radius:var(--r);
  box-shadow:var(--shadow);padding:var(--pad);position:relative;overflow:hidden;
}
.panel.flush{padding:0}
.panel.dark{background:var(--dark);border-color:rgba(255,255,255,.07);color:var(--cream-on-dark)}
.panel.dark .lead,.panel.dark .muted{color:rgba(241,235,223,.66)}

/* ---------- type --------------------------------------------------------- */
h1,h2,h3,h4{margin:0 0 .5em;font-weight:500}
h1,h2,.serif{font-family:var(--display);letter-spacing:-.02em;line-height:1.08;font-weight:500}
h1{font-size:clamp(2.6rem,5vw,4rem);line-height:1.05}
h2{font-size:clamp(1.9rem,3.2vw,2.9rem)}
h3{font-family:var(--ui);font-weight:600;font-size:15px;letter-spacing:-.005em;line-height:1.35}
p{margin:0 0 1em}
p:last-child{margin-bottom:0}
.lead{font-size:16px;line-height:1.65;color:var(--gray);max-width:52ch}
.muted{color:var(--gray)}
.small{font-size:12.5px;line-height:1.6;color:var(--gray)}
.tiny{font-size:11.5px;line-height:1.6;color:var(--gray-2)}
strong{font-weight:600;color:var(--ink)}
.panel.dark strong{color:var(--cream-on-dark)}

.eyebrow{
  display:flex;align-items:center;gap:10px;margin:0 0 14px;
  font-family:var(--ui);font-size:11px;font-weight:600;letter-spacing:.18em;
  text-transform:uppercase;color:var(--gray);
}
.eyebrow::before{content:"";width:26px;height:1px;background:var(--gold);flex:none}
.panel.dark .eyebrow,.band-in .eyebrow,.est-out .eyebrow,.repex .eyebrow,
.cta-panel .eyebrow{color:rgba(241,235,223,.72)}
.panel.dark .eyebrow::before,.band-in .eyebrow::before,.est-out .eyebrow::before,
.repex .eyebrow::before{background:var(--gold)}

.rule{height:1px;background:var(--line-2);border:0;margin:26px 0}
.rule.gold{background:linear-gradient(90deg,var(--gold),rgba(184,155,110,0));
  width:100%;transform-origin:left}
.js .rule.gold{transform:scaleX(0);transition:transform .9s var(--ease)}
.js .is-in .rule.gold{transform:scaleX(1)}

.head{max-width:720px;margin-bottom:30px}
.head .lead{margin-top:6px}

a.tlink{color:var(--gold-text);text-decoration:none;background-image:linear-gradient(var(--gold),var(--gold));
  background-size:0 1px;background-repeat:no-repeat;background-position:0 100%;
  transition:background-size .35s var(--ease)}
a.tlink:hover{background-size:100% 1px}

/* ---------- buttons ------------------------------------------------------ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  padding:13px 24px;border-radius:999px;border:1px solid transparent;
  font-size:13px;font-weight:600;letter-spacing:.01em;text-decoration:none;cursor:pointer;
  transition:background .25s var(--ease),color .25s var(--ease),border-color .25s var(--ease),transform .25s var(--ease);
}
.btn-primary{background:var(--ink);color:var(--cream-on-dark)}
.btn-primary:hover{background:#2a251d;transform:translateY(-1px)}
.btn-ghost{background:var(--white);color:var(--ink);border-color:var(--line-2)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold-text)}
.btn-gold{background:var(--gold);color:#221c11}
.btn-gold:hover{background:var(--gold-deep);color:#1b1610}
.btn-light{background:var(--cream);color:var(--ink)}
.btn-light:hover{background:#fff}
.btn-sm{padding:10px 18px;font-size:12.5px}
.btns{display:flex;flex-wrap:wrap;gap:12px;align-items:center}

/* ---------- nav ---------------------------------------------------------- */
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;
  padding:6px 0 0;position:relative;z-index:30}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink)}
.brand svg{flex:none}
.brand b{font-family:var(--ui);font-weight:600;font-size:12.5px;letter-spacing:.2em;text-transform:uppercase}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none;margin:0;padding:0}
.nav-links > li{position:relative}
.nav-links a,.nav-links button.dd-t{
  display:inline-flex;align-items:center;gap:6px;background:none;border:0;cursor:pointer;
  padding:9px 13px;font-size:13px;font-weight:500;color:var(--ink-soft);text-decoration:none;
  border-radius:8px;transition:color .2s var(--ease)}
.nav-links a:hover,.nav-links button.dd-t:hover,.nav-links button.dd-t[aria-expanded="true"]{color:var(--gold-text)}
.nav-links a[aria-current="page"]{color:var(--ink);font-weight:600}
.dd-t svg{transition:transform .25s var(--ease)}
.dd-t[aria-expanded="true"] svg{transform:rotate(180deg)}
.dd{
  position:absolute;top:calc(100% + 8px);left:0;min-width:236px;background:var(--cream);
  border:1px solid var(--line-2);border-radius:14px;box-shadow:var(--shadow-lift);
  padding:8px;list-style:none;margin:0;display:none;z-index:40}
.dd.open{display:block;animation:ddin .22s var(--ease)}
@keyframes ddin{from{opacity:0;transform:translateY(-5px)}to{opacity:1;transform:none}}
.dd a{display:block;padding:10px 13px;border-radius:9px;font-size:13px;color:var(--ink-soft)}
.dd a:hover{background:var(--sand);color:var(--ink)}
.nav-cta{display:flex;align-items:center;gap:10px}
.burger{display:none;width:44px;height:44px;border:1px solid var(--line-2);background:var(--white);
  border-radius:12px;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:4px}
.burger span{display:block;width:17px;height:1.5px;background:var(--ink);transition:transform .3s var(--ease),opacity .2s}

/* full-screen overlay nav */
.overlay{
  position:fixed;inset:0;background:var(--dark);color:var(--cream-on-dark);z-index:120;
  padding:26px 22px 40px;overflow-y:auto;display:none;flex-direction:column}
.overlay.open{display:flex}
.overlay-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:34px}
.overlay-top .brand{color:var(--cream-on-dark)}
.x{width:44px;height:44px;border:1px solid rgba(241,235,223,.2);background:none;border-radius:12px;
  color:var(--cream-on-dark);font-size:20px;cursor:pointer;line-height:1}
.ov-list{list-style:none;margin:0;padding:0;flex:1}
.ov-list li{border-bottom:1px solid rgba(241,235,223,.1)}
.ov-list a{display:flex;align-items:baseline;gap:14px;padding:16px 2px;text-decoration:none;
  color:var(--cream-on-dark);font-family:var(--display);font-size:26px;font-weight:500}
.ov-list .n{font-family:var(--ui);font-size:10px;font-weight:600;letter-spacing:.16em;color:var(--gold)}
.ov-foot{margin-top:28px;display:flex;flex-direction:column;gap:12px}

/* ---------- hero --------------------------------------------------------- */
.hero-panel{padding:var(--pad);position:relative}
.hero{display:grid;grid-template-columns:1.02fr .98fr;gap:clamp(24px,4vw,56px);
  align-items:center;margin-top:clamp(28px,5vw,64px)}
.hero h1{margin-bottom:18px}
.hero .lead{max-width:46ch}
.hero-media{position:relative;border-radius:var(--r);overflow:hidden;min-height:400px;background:var(--sand)}
.hero-media img{width:100%;height:100%;min-height:400px;object-fit:cover;object-position:center}
.hero-media::after{content:"";position:absolute;inset:0;pointer-events:none;
  background:linear-gradient(90deg,var(--cream) 0%,rgba(248,246,241,.55) 18%,rgba(248,246,241,0) 46%)}
.proof{display:flex;align-items:center;gap:16px;margin-top:30px;flex-wrap:wrap}
.avatars{display:flex}
.avatars img,.avatars .ini{width:36px;height:36px;border-radius:50%;object-fit:cover;
  border:2px solid var(--cream);margin-left:-11px;background:var(--sand)}
.avatars img:first-child,.avatars .ini:first-child{margin-left:0}
.ini{display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:600;color:var(--ink-soft)}
.stars{display:inline-flex;gap:2px;color:var(--gold);letter-spacing:1px;font-size:13px}
.proof-txt{font-size:12.5px;color:var(--gray);line-height:1.45}
.proof-txt b{color:var(--ink);font-weight:600}

/* ---------- grids -------------------------------------------------------- */
.g2{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--gap)}
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--gap)}
.g4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.g6{display:grid;grid-template-columns:repeat(6,1fr);gap:16px}
.split{display:grid;grid-template-columns:.86fr 1.14fr;gap:clamp(24px,4vw,52px);align-items:stretch}
.split > .repex,.split > .est-out{align-self:start}

/* ---------- trio + watermark -------------------------------------------- */
.trio{display:grid;grid-template-columns:1.1fr 1fr 1fr;gap:clamp(22px,3.4vw,46px);position:relative;z-index:2}
.trio h3{font-size:14px;margin-bottom:12px}
.wm{position:absolute;right:-34px;bottom:-72px;opacity:.05;pointer-events:none;z-index:1}
.flist{list-style:none;margin:0;padding:0}
.flist li{display:flex;gap:11px;padding:9px 0;border-bottom:1px solid var(--line);font-size:13.5px;color:var(--ink-soft)}
.flist li:last-child{border-bottom:0}
.flist .tick{color:var(--gold-text);flex:none;margin-top:3px}

/* ---------- photo band --------------------------------------------------- */
.band{position:relative;min-height:390px;display:flex;align-items:flex-end;
  border-radius:var(--r);overflow:hidden;background:var(--dark)}
.band > img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.5}
.band::after{content:"";position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(26,23,18,.95) 8%,rgba(26,23,18,.72) 46%,rgba(26,23,18,.34) 100%)}
.band-in{position:relative;z-index:2;padding:var(--pad);color:var(--cream-on-dark);width:100%}
.band-in h2{color:var(--cream-on-dark);max-width:16ch;margin-bottom:0}
.band-in h2 em{font-style:normal;color:var(--gold)}
.band-vals{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:34px;
  padding-top:24px;border-top:1px solid rgba(241,235,223,.16)}
.band-vals h3{color:var(--cream-on-dark);margin-bottom:5px}
.band-vals p{font-size:12.5px;color:rgba(241,235,223,.6);margin:0}

/* ---------- feature cards ------------------------------------------------ */
.fcs{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.fc{background:var(--white);border:1px solid var(--line);border-radius:var(--r-sm);padding:24px;
  transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.fc:hover{transform:translateY(-3px);box-shadow:var(--shadow-lift)}
.fc .k{font-family:var(--display);font-size:30px;line-height:1;color:var(--ink);margin-bottom:12px;display:block}
.fc p{font-size:13px;color:var(--gray);margin:6px 0 0}
.fc.dark{background:var(--dark);border-color:var(--dark);color:var(--cream-on-dark)}
.fc.dark .k,.fc.dark h3{color:var(--cream-on-dark)}
.fc.dark .k{color:var(--gold)}
.fc.dark p{color:rgba(241,235,223,.62)}

/* ---------- tier cards --------------------------------------------------- */
.tiers{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.tier{background:var(--white);border:1px solid var(--line);border-radius:var(--r-sm);padding:26px 24px;position:relative}
.tier.here{border-color:var(--gold);box-shadow:0 0 0 1px var(--gold) inset}
.badge{position:absolute;top:-10px;left:24px;background:var(--gold);color:#221c11;
  font-size:10px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;padding:5px 11px;border-radius:999px}
.tier .amt{font-family:var(--display);font-size:38px;line-height:1;margin:4px 0 8px}
.tier .cap{font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--gray-2)}
.tier ul{list-style:none;margin:16px 0 0;padding:16px 0 0;border-top:1px solid var(--line)}
.tier li{font-size:12.5px;color:var(--gray);padding:5px 0}

/* ---------- dial --------------------------------------------------------- */
.dial-wrap{display:grid;grid-template-columns:300px 1fr;gap:clamp(26px,4vw,52px);align-items:center}
.dial{position:relative;width:250px;height:250px;margin:0 auto}
.dial svg{transform:rotate(-90deg);width:100%;height:100%}
.dial circle{fill:none;stroke-linecap:round}
.dial .seg.s1{stroke-dasharray:150 999}
.dial .seg.s2{stroke-dasharray:118 999}
.dial .seg.s3{stroke-dasharray:186 999}
.dial .seg.s4{stroke-dasharray:236 999}
.js .dial .seg{stroke-dasharray:0 999;transition:stroke-dasharray 1.1s var(--ease)}
.js .is-in .dial .seg.s1{stroke-dasharray:150 999}
.js .is-in .dial .seg.s2{stroke-dasharray:118 999}
.js .is-in .dial .seg.s3{stroke-dasharray:186 999}
.js .is-in .dial .seg.s4{stroke-dasharray:236 999}
.dial-c{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center}
.dial-c b{font-family:var(--display);font-size:46px;font-weight:500;line-height:1}
.dial-c span{font-size:10.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--gray-2);margin-top:6px}
.steps{list-style:none;margin:0;padding:0;counter-reset:s}
.steps li{counter-increment:s;display:grid;grid-template-columns:38px 1fr;gap:16px;
  padding:17px 0;border-top:1px solid var(--line)}
.steps li:first-child{border-top:0;padding-top:0}
.steps li::before{content:counter(s,decimal-leading-zero);font-size:10.5px;font-weight:600;
  letter-spacing:.14em;color:var(--gold-text);padding-top:3px}
.steps h3{margin-bottom:3px}
.steps p{font-size:13px;color:var(--gray);margin:0}

/* ---------- tabs --------------------------------------------------------- */
.tabs{display:flex;gap:6px;background:var(--sand);padding:5px;border-radius:999px;
  margin-bottom:26px;width:fit-content;max-width:100%;flex-wrap:wrap}
.tab{border:0;background:none;padding:10px 20px;border-radius:999px;font-size:12.5px;font-weight:600;
  color:var(--gray);cursor:pointer;transition:background .25s var(--ease),color .25s var(--ease)}
.tab[aria-selected="true"]{background:var(--white);color:var(--ink);box-shadow:0 2px 8px -3px rgba(0,0,0,.2)}
.tabpanel[hidden]{display:none}

/* ---------- situation picker -------------------------------------------- */
.picker{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(24px,4vw,46px);align-items:start}
.chips{display:flex;flex-wrap:wrap;gap:9px}
.chip{border:1px solid var(--line-2);background:var(--white);border-radius:999px;padding:10px 17px;
  font-size:12.5px;font-weight:500;color:var(--ink-soft);cursor:pointer;
  transition:border-color .25s var(--ease),color .25s var(--ease),background .25s var(--ease)}
.chip[aria-pressed="true"]{border-color:var(--gold);background:var(--gold);color:#221c11;font-weight:600}
.chip:hover{border-color:var(--gold)}
.readout{background:var(--white);border:1px solid var(--line);border-radius:var(--r-sm);padding:26px}
.readout .rr{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-bottom:1px solid var(--line);font-size:13px}
.readout .rr:last-of-type{border-bottom:0}
.readout .rr b{font-family:var(--display);font-size:22px;font-weight:500;line-height:1}
.readout .rk{color:var(--gray)}

/* ---------- eligibility -------------------------------------------------- */
.checks{list-style:none;margin:0;padding:0}
.checks li{border-bottom:1px solid var(--line)}
.checks label{display:flex;gap:13px;align-items:flex-start;padding:13px 0;cursor:pointer;font-size:13.5px;color:var(--ink-soft)}
.checks input{appearance:none;width:19px;height:19px;flex:none;margin-top:1px;border:1px solid var(--line-2);
  border-radius:5px;background:var(--white);cursor:pointer;position:relative;transition:all .2s var(--ease)}
.checks input:checked{background:var(--gold);border-color:var(--gold)}
.checks input:checked::after{content:"";position:absolute;left:6px;top:2px;width:5px;height:10px;
  border:solid #221c11;border-width:0 1.6px 1.6px 0;transform:rotate(43deg)}
.counter{font-family:var(--display);font-size:40px;line-height:1;margin:22px 0 4px}
.counter em{font-style:normal;color:var(--gold-deep)}
.field{display:block;margin-top:18px}
.field > span{display:block;font-size:11px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;
  color:var(--gray-2);margin-bottom:8px}
select,input[type=text],input[type=number]{width:100%;padding:12px 14px;border:1px solid var(--line-2);
  border-radius:10px;background:var(--white);font-size:13.5px}
.state-out{margin-top:14px;padding:15px 17px;border-radius:10px;font-size:13px;line-height:1.55;
  background:var(--sand);color:var(--ink-soft);border:1px solid var(--line-2)}
.state-out.ok{background:rgba(62,125,91,.09);border-color:rgba(62,125,91,.3);color:#2c5c42}
.state-out.no{background:rgba(168,74,56,.08);border-color:rgba(168,74,56,.28);color:#8a3b2d}

/* ---------- estimator ---------------------------------------------------- */
.est{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(24px,4vw,46px);align-items:start}
.est-out{background:var(--dark);color:var(--cream-on-dark);border-radius:var(--r-sm);padding:28px}
.est-out .big{font-family:var(--display);font-size:clamp(2.4rem,4.4vw,3.3rem);line-height:1;color:var(--gold);margin:6px 0 4px}
.est-out .rr{display:flex;justify-content:space-between;gap:14px;padding:10px 0;
  border-bottom:1px solid rgba(241,235,223,.12);font-size:12.5px;color:rgba(241,235,223,.66)}
.est-out .rr:last-of-type{border-bottom:0}
.est-out .rr b{color:var(--cream-on-dark);font-weight:600}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:2px;background:var(--line-2);
  border-radius:2px;margin:18px 0 8px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;
  background:var(--ink);border:3px solid var(--cream);box-shadow:0 2px 8px -2px rgba(0,0,0,.4);cursor:pointer}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--ink);
  border:3px solid var(--cream);cursor:pointer}
.amt-live{font-family:var(--display);font-size:44px;line-height:1}
.segbtns{display:flex;gap:8px;flex-wrap:wrap}
.segbtn{border:1px solid var(--line-2);background:var(--white);border-radius:10px;padding:11px 17px;
  font-size:12.5px;font-weight:600;color:var(--ink-soft);cursor:pointer;transition:all .2s var(--ease)}
.segbtn[aria-pressed="true"]{background:var(--ink);border-color:var(--ink);color:var(--cream-on-dark)}
.flagline{margin-top:14px;font-size:12.5px;color:var(--gold-text);display:none}
.flagline.on{display:block}

/* ---------- reviews ------------------------------------------------------ */
.rev-sum{display:grid;grid-template-columns:auto 1fr;gap:clamp(22px,3.6vw,46px);align-items:start;
  padding-bottom:28px;margin-bottom:28px;border-bottom:1px solid var(--line)}
.rev-score{font-family:var(--display);font-size:64px;line-height:1;margin:0 0 12px}
.starbox{display:inline-flex;gap:3px}
.starbox i{width:20px;height:20px;background:var(--gold);display:inline-flex;align-items:center;
  justify-content:center;border-radius:3px;color:#fff;font-style:normal;font-size:12px}
.starbox i.off{background:var(--line-2)}
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.rev{background:var(--white);border:1px solid var(--line);border-radius:var(--r-sm);padding:24px;
  display:flex;flex-direction:column}
.rev h3{margin:12px 0 8px}
.rev p{font-size:13px;color:var(--gray);flex:1}
.rev-who{display:flex;align-items:center;gap:11px;margin-top:18px;padding-top:16px;border-top:1px solid var(--line)}
.rev-who .ini{width:34px;height:34px;margin:0;border:0;background:var(--sand)}
.rev-who b{display:block;font-size:12.5px}
.verified{display:inline-flex;align-items:center;gap:5px;font-size:10.5px;font-weight:600;
  letter-spacing:.1em;text-transform:uppercase;color:var(--ok)}

/* ---------- dot matrix --------------------------------------------------- */
.matrix{width:100%;border-collapse:collapse;font-size:13px}
.matrix th,.matrix td{padding:15px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:middle}
.matrix thead th{font-size:10.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gray-2)}
.matrix tbody th{font-weight:600;font-size:13px}
.matrix tr.me{background:var(--sand)}
.matrix tr.me td:last-child,.matrix tr.me th{position:relative}
.matrix tr.me th::before{content:"";position:absolute;left:0;top:10px;bottom:10px;width:2px;background:var(--gold)}
.dots{display:inline-flex;gap:4px}
.dots i{width:8px;height:8px;border-radius:50%;background:var(--line-2);display:block}
.dots i.on{background:var(--ink)}
.matrix tr.me .dots i.on{background:var(--gold-text)}
.tscroll{overflow-x:auto;-webkit-overflow-scrolling:touch}

/* ---------- rates -------------------------------------------------------- */
.feelist{list-style:none;margin:0;padding:0}
.feelist li{display:flex;justify-content:space-between;gap:20px;padding:14px 0;border-bottom:1px solid var(--line);font-size:13.5px}
.feelist li:last-child{border-bottom:0}
.feelist b{font-weight:600;white-space:nowrap}
.repex{background:var(--dark);color:var(--cream-on-dark);border-radius:var(--r-sm);padding:28px}
.repex h3{color:var(--cream-on-dark)}
.repex .rr{display:flex;justify-content:space-between;gap:14px;padding:10px 0;
  border-bottom:1px solid rgba(241,235,223,.12);font-size:12.5px;color:rgba(241,235,223,.62)}
.repex .rr:last-of-type{border-bottom:0}
.repex .rr b{color:var(--cream-on-dark)}
.repex .apr{font-family:var(--display);font-size:46px;line-height:1;color:var(--gold);margin:10px 0 14px}

/* ---------- states ------------------------------------------------------- */
.statelist{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.statecard{background:var(--white);border:1px solid var(--line);border-radius:var(--r-sm);padding:22px}
.statecard .amt{font-family:var(--display);font-size:26px;line-height:1;margin:2px 0 10px}
.pill{display:inline-flex;align-items:center;gap:6px;font-size:10.5px;font-weight:600;letter-spacing:.1em;
  text-transform:uppercase;padding:4px 10px;border-radius:999px;background:var(--sand);color:var(--gray)}
.pill.ok{background:rgba(62,125,91,.11);color:#2c5c42}
.pill.cab{background:rgba(184,155,110,.16);color:var(--gold-text)}

/* ---------- why-us ------------------------------------------------------- */
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:26px 30px}
.why h3{margin-bottom:6px}
.why p{font-size:13px;color:var(--gray);margin:0}
.why .n{font-size:10.5px;font-weight:600;letter-spacing:.14em;color:var(--gold-text);display:block;margin-bottom:9px}

/* ---------- faq ---------------------------------------------------------- */
details.faq{border-bottom:1px solid var(--line)}
details.faq summary{list-style:none;cursor:pointer;padding:19px 42px 19px 0;position:relative;
  font-size:14.5px;font-weight:500;color:var(--ink)}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";position:absolute;right:6px;top:17px;font-size:20px;
  font-weight:400;color:var(--gold-text);transition:transform .3s var(--ease)}
details.faq[open] summary::after{content:"−"}
details.faq .a{padding:0 20px 20px 0;font-size:13.5px;color:var(--gray);line-height:1.68}
.band details.faq{border-color:rgba(241,235,223,.14)}
.band details.faq summary{color:var(--cream-on-dark)}
.band details.faq .a{color:rgba(241,235,223,.66)}

/* ---------- disclosures -------------------------------------------------- */
.disc p{font-size:13px;color:var(--gray);max-width:78ch;line-height:1.72}
.disc h3{margin-top:22px}

/* ---------- about credential -------------------------------------------- */
.cred-wrap{position:relative;border-radius:var(--r);overflow:hidden;min-height:420px;display:flex;
  align-items:center;justify-content:center;padding:34px;background:var(--dark)}
.cred-wrap > img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.42}
.cred{position:relative;z-index:2;background:var(--cream);border-radius:var(--r-sm);padding:32px;max-width:430px;
  box-shadow:var(--shadow-lift)}
.cred dl{margin:18px 0 0;display:grid;grid-template-columns:1fr auto;gap:0}
.cred dt{font-size:12.5px;color:var(--gray);padding:9px 0;border-top:1px solid var(--line)}
.cred dd{margin:0;font-size:12.5px;font-weight:600;text-align:right;padding:9px 0;border-top:1px solid var(--line)}

/* ---------- form --------------------------------------------------------- */
.formwrap{isolation:isolate;background:var(--white);border:1px solid var(--line);border-radius:var(--r-sm);
  padding:clamp(20px,3vw,34px);min-height:220px;scroll-margin-top:90px}
#_lg_form_{min-height:180px}
.formnote{margin-top:16px}

/* ---------- footer ------------------------------------------------------- */
.foot{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:clamp(24px,3.6vw,48px)}
.foot h3{font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--gray-2);margin-bottom:14px}
.foot ul{list-style:none;margin:0;padding:0}
.foot li a{display:block;padding:6px 0;font-size:13px;color:var(--ink-soft);text-decoration:none;
  transition:color .2s var(--ease)}
.foot li a:hover{color:var(--gold-text)}
.foot-notes{margin-top:34px;padding-top:26px;border-top:1px solid var(--line)}
.foot-notes p{font-size:11.5px;line-height:1.72;color:var(--gray-2);max-width:none;margin-bottom:12px}
.foot-legal{margin-top:22px;padding-top:20px;border-top:1px solid var(--line);display:flex;
  justify-content:space-between;gap:18px;flex-wrap:wrap;font-size:11.5px;color:var(--gray-2)}
.foot-legal a{text-decoration:none}
.foot-legal a:hover{color:var(--gold-text)}

/* ---------- breadcrumbs -------------------------------------------------- */
.crumbs{font-size:11.5px;color:var(--gray-2);margin-bottom:18px}
.crumbs a{text-decoration:none}
.crumbs a:hover{color:var(--gold-text)}
.crumbs span{margin:0 7px;color:var(--line-2)}

/* ---------- sticky apply bar + back to top ------------------------------ */
.sticky-bar{
  position:fixed;left:50%;bottom:20px;z-index:90;display:flex;gap:14px;align-items:center;
  width:min(680px,calc(100vw - 36px));transform:translate(-50%,160%);
  padding:11px 12px 11px 20px;background:var(--cream);
  border:1px solid var(--line-2);border-radius:999px;box-shadow:0 22px 46px -20px rgba(0,0,0,.45);
  transition:transform .45s var(--ease)}
.sticky-bar.show{transform:translate(-50%,0)}
.sticky-bar .sb-t{flex:1;min-width:0}
.sticky-bar .sb-t b{display:block;font-size:13px}
.sticky-bar .sb-t span{display:block;font-size:11px;color:var(--gray)}
.totop{position:fixed;right:18px;bottom:88px;width:48px;height:48px;border-radius:50%;
  background:var(--cream);border:1px solid var(--line-2);cursor:pointer;z-index:88;display:grid;
  place-items:center;opacity:0;pointer-events:none;transition:opacity .3s var(--ease);
  box-shadow:var(--shadow)}
.totop.show{opacity:1;pointer-events:auto}
.totop svg{position:absolute;inset:0;transform:rotate(-90deg)}
.totop .ring{fill:none;stroke:var(--gold);stroke-width:2;stroke-linecap:round;
  stroke-dasharray:138;stroke-dashoffset:138}
.totop b{font-size:10.5px;font-weight:600;color:var(--ink)}

/* ---------- reveal ------------------------------------------------------- */
.js .rv{opacity:0;transform:translateY(10px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.js .rv.is-in{opacity:1;transform:none}

/* ---------- misc --------------------------------------------------------- */
.kv{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:26px;padding-top:24px;border-top:1px solid var(--line)}
.kv b{font-family:var(--display);font-size:34px;line-height:1;display:block}
.kv span{font-size:11.5px;color:var(--gray);display:block;margin-top:4px}
.prose h2{margin-top:38px}
.prose h3{margin-top:26px;font-size:15px}
.prose p,.prose li{font-size:14px;color:var(--ink-soft);line-height:1.72;max-width:74ch}
.prose ul,.prose ol{padding-left:20px}
.prose li{margin-bottom:8px}
.note{background:var(--sand);border-left:2px solid var(--gold);border-radius:0 10px 10px 0;
  padding:18px 22px;margin:24px 0}
.note p{margin:0;font-size:13px;color:var(--ink-soft);max-width:none}
.paytable{width:100%;border-collapse:collapse;font-size:13px}
.paytable th,.paytable td{padding:13px 12px;text-align:left;border-bottom:1px solid var(--line)}
.paytable thead th{font-size:10.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gray-2)}
.paytable tbody th{font-weight:600}
.center{text-align:center}
.cta-panel{text-align:center;padding:clamp(40px,6vw,76px) var(--pad)}
.cta-panel h2{color:var(--cream-on-dark);max-width:18ch;margin:0 auto 16px}
.cta-panel .lead{margin:0 auto 26px}
.cta-panel .btns{justify-content:center}
.e404{text-align:center;padding:clamp(50px,8vw,100px) var(--pad)}
.e404 .code{font-family:var(--display);font-size:clamp(5rem,14vw,10rem);line-height:1;color:var(--gold-deep)}

/* ---------- responsive --------------------------------------------------- */
@media (max-width:1060px){
  .trio{grid-template-columns:1fr 1fr;gap:30px}
  .trio > div:first-child{grid-column:1/-1}
  .why{grid-template-columns:repeat(2,1fr)}
  .g6{grid-template-columns:repeat(3,1fr)}
  .foot{grid-template-columns:1fr 1fr}
}
@media (max-width:960px){
  .nav-links,.nav-cta .btn{display:none}
  .burger{display:flex}
  .hero{grid-template-columns:1fr}
  .hero-media{min-height:280px;order:-1}
  .hero-media img{min-height:280px}
  .hero-media::after{background:linear-gradient(180deg,rgba(248,246,241,.5) 0%,rgba(248,246,241,0) 40%)}
  .split,.picker,.est,.dial-wrap{grid-template-columns:1fr}
  .dial{width:210px;height:210px}
  .fcs,.tiers,.rev-grid,.g3{grid-template-columns:repeat(2,1fr)}
  .totop{bottom:88px}
}
@media (max-width:860px){
  .g2,.statelist,.g4{grid-template-columns:1fr}
  .band-vals{grid-template-columns:1fr;gap:18px}
  .rev-sum{grid-template-columns:1fr;text-align:left}
}
@media (max-width:600px){
  .sticky-bar{left:0;right:0;bottom:0;width:auto;border-radius:0;border-left:0;border-right:0;
    border-bottom:0;padding:11px 14px calc(11px + env(safe-area-inset-bottom));
    transform:translateY(120%);box-shadow:0 -10px 30px -16px rgba(0,0,0,.3)}
  .sticky-bar.show{transform:none}
  .totop{bottom:96px}
  :root{--gap:14px;--r:14px}
  body{font-size:13.5px}
  .stack{padding-left:12px;padding-right:12px}
  .fcs,.tiers,.rev-grid,.g3,.g6,.why,.foot{grid-template-columns:1fr}
  .hero{margin-top:26px}
  .kv{grid-template-columns:1fr;gap:14px}
  .kv b{font-size:28px}
  .rev-score{font-size:48px}
  .cred-wrap{padding:16px;min-height:0}
  .cred{padding:24px}
  .foot-legal{flex-direction:column;gap:8px}
}

@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;
    transition-duration:.001ms!important;scroll-behavior:auto!important}
  .rv{opacity:1;transform:none}
  .rule.gold{transform:scaleX(1)}
  .dial .seg{stroke-dasharray:150 999}
  .dial .seg.s2{stroke-dasharray:118 999}
  .dial .seg.s3{stroke-dasharray:186 999}
  .dial .seg.s4{stroke-dasharray:236 999}
}

@media print{.sticky-bar,.totop,.overlay,.burger{display:none!important}}

/* ---------- AEO: quick answer + key facts -------------------------------- */
.qa-block{background:var(--sand);border-left:2px solid var(--gold);border-radius:0 12px 12px 0;
  padding:22px 26px;margin:0 0 28px}
.qa-block .eyebrow{margin-bottom:9px}
.qa-text{font-size:16px;line-height:1.62;color:var(--ink);max-width:70ch;margin:0;font-weight:400}
.qa-text strong{font-weight:600}
.kf{margin:28px 0}
.kf-table{width:100%;border-collapse:collapse;font-size:13.5px;margin-top:12px}
.kf-table th{text-align:left;width:31%;padding:12px 16px 12px 0;border-bottom:1px solid var(--line);
  font-weight:600;color:var(--ink);vertical-align:top}
.kf-table td{padding:12px 0;border-bottom:1px solid var(--line);color:var(--ink-soft);vertical-align:top}
.kf-table tr:last-child th,.kf-table tr:last-child td{border-bottom:0}

/* ---------- E-E-A-T: byline + sources ------------------------------------ */
.byline{background:var(--white);border:1px solid var(--line);border-radius:var(--r-sm);
  padding:24px;margin:34px 0 0}
.byline-row{display:flex;gap:13px;align-items:flex-start;padding:11px 0;border-bottom:1px solid var(--line)}
.byline-row:last-of-type{border-bottom:0}
.byline-row .ini{width:32px;height:32px;margin:0;border:0;background:var(--sand);flex:none}
.byline-k{font-size:10.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;
  color:var(--gray-2);margin:0 0 3px}
.byline-n{font-size:13.5px;font-weight:600;margin:0;color:var(--ink)}
.byline-r{display:block;font-size:12px;font-weight:400;color:var(--gray);margin-top:2px}
.srclist{list-style:none;margin:20px 0 0;padding:0}
.srclist li{padding:11px 0;border-bottom:1px solid var(--line);font-size:13.5px}
.srclist li:last-child{border-bottom:0}

/* ---------- CRO: trust strip + related ----------------------------------- */
.trust-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:24px;
  padding-top:22px;border-top:1px solid var(--line)}
.trust-strip div{display:flex;flex-direction:column;gap:2px}
.trust-strip b{font-size:12.5px;font-weight:600;color:var(--ink)}
.trust-strip span{font-size:11.5px;color:var(--gray)}
.panel.dark .trust-strip,.cta-panel .trust-strip{border-color:rgba(241,235,223,.16)}
.panel.dark .trust-strip b,.cta-panel .trust-strip b{color:var(--cream-on-dark)}
.panel.dark .trust-strip span,.cta-panel .trust-strip span{color:rgba(241,235,223,.62)}
.relgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.rel{display:block;background:var(--white);border:1px solid var(--line);border-radius:var(--r-sm);
  padding:20px;text-decoration:none;transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s var(--ease)}
.rel:hover{transform:translateY(-3px);box-shadow:var(--shadow-lift);border-color:var(--line-2)}
.rel b{display:block;font-size:14px;font-weight:600;color:var(--ink);margin-bottom:6px}
.rel span{display:block;font-size:12.5px;color:var(--gray);line-height:1.55}

/* ---------- glossary ----------------------------------------------------- */
.gloss{list-style:none;margin:0;padding:0}
.gloss > li{padding:20px 0;border-bottom:1px solid var(--line)}
.gloss > li:last-child{border-bottom:0}
.gloss dt{font-size:15px;font-weight:600;margin-bottom:6px}
.gloss dd{margin:0;font-size:13.5px;color:var(--gray);line-height:1.68;max-width:74ch}
.gloss-nav{display:flex;flex-wrap:wrap;gap:8px;margin:20px 0 10px}
.gloss-nav a{padding:7px 13px;border:1px solid var(--line-2);border-radius:999px;font-size:12px;
  font-weight:600;text-decoration:none;color:var(--ink-soft)}
.gloss-nav a:hover{border-color:var(--gold);color:var(--gold-text)}

/* ---------- apply: steps + what next ------------------------------------- */
.progress{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:26px}
.progress div{padding-top:12px;border-top:2px solid var(--line-2)}
.progress div.on{border-top-color:var(--gold)}
.progress b{display:block;font-size:10.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;
  color:var(--gray-2);margin-bottom:4px}
.progress span{font-size:12.5px;color:var(--ink-soft)}
.progress div.on b{color:var(--gold-text)}

@media (max-width:960px){
  .relgrid{grid-template-columns:repeat(2,1fr)}
  .trust-strip{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:600px){
  .relgrid,.trust-strip,.progress{grid-template-columns:1fr}
  .kf-table th{width:auto;display:block;padding-bottom:2px;border-bottom:0}
  .kf-table td{display:block;padding-top:0;padding-bottom:12px}
  .qa-block{padding:18px 20px}
}

/* ---------- apply form fallback ------------------------------------------ */
.form-fallback{margin-top:18px;padding:18px 22px;border:1px solid var(--line-2);
  border-left:2px solid var(--gold);border-radius:0 10px 10px 0;background:var(--sand)}
.form-fallback p{margin:0 0 8px}
.form-fallback p:last-child{margin-bottom:0}
.form-fallback[hidden]{display:none}

/* ==========================================================================
   Hero application form card
   ========================================================================== */
.hero.hero-form{grid-template-columns:1fr 1fr;align-items:start}
.hero-list{margin:24px 0 0;max-width:44ch}
.hero-list li{padding:8px 0;font-size:13px}
.hero.hero-form .proof{margin-top:26px}

.form-card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--r);
  box-shadow:var(--shadow-lift);overflow:hidden;isolation:isolate;
  scroll-margin-top:90px;position:relative;
}
.form-card::before{content:"";position:absolute;inset:0 0 auto 0;height:3px;
  background:linear-gradient(90deg,var(--gold),var(--gold-deep) 55%,rgba(184,155,110,0))}
.form-card-head{padding:28px 28px 20px;border-bottom:1px solid var(--line);background:var(--cream)}
.form-card-head h2{font-size:1.75rem;margin:0 0 8px}
.form-card-head .small{margin:0;max-width:44ch}
.form-card .formwrap{border:0;border-radius:0;padding:24px 28px;background:var(--white);min-height:300px}
.form-card-foot{padding:0 28px 24px;background:var(--white)}
.form-card-foot .tiny{margin:0}

/* ==========================================================================
   Third-party widget skin (apiflag). Scoped to #_lg_form_ so nothing leaks.
   Selectors are defensive: the widget's own markup is not under our control,
   so we style by element and by common class fragments.
   ========================================================================== */
#_lg_form_{min-height:260px;font-family:var(--ui);color:var(--ink);font-size:14px;line-height:1.55}

#_lg_form_ h1,#_lg_form_ h2,#_lg_form_ h3,#_lg_form_ legend{
  font-family:var(--display);font-weight:500;letter-spacing:-.015em;color:var(--ink);
  font-size:1.45rem;line-height:1.15;margin:0 0 10px}
#_lg_form_ h4,#_lg_form_ h5{font-family:var(--ui);font-weight:600;font-size:14px;color:var(--ink)}
#_lg_form_ p{font-size:13px;color:var(--gray);margin:0 0 12px}
#_lg_form_ a{color:var(--gold-text)}
#_lg_form_ hr{border:0;border-top:1px solid var(--line);margin:18px 0}
#_lg_form_ fieldset{border:0;margin:0 0 14px;padding:0}

#_lg_form_ label{display:block;font-size:11px;font-weight:600;letter-spacing:.12em;
  text-transform:uppercase;color:var(--gray-2);margin:0 0 6px}
#_lg_form_ label input[type=checkbox],#_lg_form_ label input[type=radio]{margin-right:8px}

#_lg_form_ input[type=text],#_lg_form_ input[type=email],#_lg_form_ input[type=tel],
#_lg_form_ input[type=number],#_lg_form_ input[type=password],#_lg_form_ input[type=date],
#_lg_form_ input[type=search],#_lg_form_ select,#_lg_form_ textarea{
  width:100%;box-sizing:border-box;padding:12px 14px;margin:0 0 14px;
  border:1px solid var(--line-2);border-radius:10px;background:var(--white);
  font-family:var(--ui);font-size:14px;color:var(--ink);
  transition:border-color .2s var(--ease),box-shadow .2s var(--ease);appearance:none}
#_lg_form_ input:focus,#_lg_form_ select:focus,#_lg_form_ textarea:focus{
  outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(184,155,110,.22)}
#_lg_form_ input::placeholder,#_lg_form_ textarea::placeholder{color:var(--gray-2);opacity:1}
#_lg_form_ select{background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='9' height='6' fill='none'%3E%3Cpath d='M1 1.2 4.5 4.6 8 1.2' stroke='%2315130F' stroke-width='1.2' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}

#_lg_form_ input[type=checkbox],#_lg_form_ input[type=radio]{
  width:18px;height:18px;margin:0 8px 0 0;accent-color:var(--gold-deep);vertical-align:middle}

/* Only a real submit gets the primary treatment. A blanket rule here turned
   the widget's three amount options into three identical black CTAs, which
   destroyed the hierarchy — options are not calls to action. */
#_lg_form_ input[type=submit],#_lg_form_ button[type=submit]{
  display:inline-flex;align-items:center;justify-content:center;width:100%;
  padding:15px 24px;border:1px solid transparent;border-radius:999px;
  background:var(--ink);color:var(--cream-on-dark);
  font-family:var(--ui);font-size:14px;font-weight:600;letter-spacing:.01em;cursor:pointer;
  transition:background .25s var(--ease),transform .25s var(--ease);-webkit-appearance:none;appearance:none}
#_lg_form_ input[type=submit]:hover,#_lg_form_ button[type=submit]:hover{
  background:#2a251d;transform:translateY(-1px)}
#_lg_form_ button{font-family:var(--ui);cursor:pointer}
#_lg_form_ button[disabled],#_lg_form_ input[disabled]{opacity:.5;cursor:not-allowed;transform:none}

#_lg_form_ table{width:100%;border-collapse:collapse;font-size:13px}
#_lg_form_ td,#_lg_form_ th{padding:8px 6px;text-align:left}
#_lg_form_ ul,#_lg_form_ ol{padding-left:18px;font-size:13px;color:var(--gray)}
#_lg_form_ img{max-width:100%;height:auto}
#_lg_form_ iframe{width:100%;border:0;display:block;min-height:520px;border-radius:10px}

/* error / helper text the widget may emit */
#_lg_form_ [class*="error"],#_lg_form_ [class*="invalid"]{color:var(--no);font-size:12px}
#_lg_form_ input[class*="error"],#_lg_form_ select[class*="error"]{border-color:var(--no)}
#_lg_form_ [class*="progress"],#_lg_form_ [class*="step"]{font-size:11px;letter-spacing:.12em;
  text-transform:uppercase;color:var(--gray-2)}

@media (max-width:960px){
  .hero.hero-form{grid-template-columns:1fr}
  .form-card{order:-1}
  .hero.hero-form .hero-list{max-width:none}
}
@media (max-width:600px){
  .form-card-head{padding:22px 20px 16px}
  .form-card .formwrap{padding:20px}
  .form-card-foot{padding:0 20px 20px}
}

/* links inside dark cards / panels need the light gold, not the text gold */
.fc.dark .tlink,.panel.dark .tlink,.band-in .tlink,.est-out .tlink,.repex .tlink{color:var(--gold)}
.fc.dark .tlink{background-image:linear-gradient(var(--gold),var(--gold))}

/* ---------- phone CTA + advertising disclosure --------------------------- */
.btn-outline-light{background:none;color:var(--cream-on-dark);border-color:rgba(241,235,223,.35)}
.btn-outline-light:hover{background:rgba(241,235,223,.1);border-color:var(--gold);color:var(--gold)}
.callline{margin:18px 0 0;font-size:13px}
.callline .muted{font-size:12.5px}
.disclose{background:var(--sand);border-left:2px solid var(--gold);border-radius:0 8px 8px 0;
  padding:11px 14px;margin:0 0 12px}
.cta-panel .disclose{background:rgba(241,235,223,.07);border-left-color:var(--gold);
  max-width:66ch;margin-left:auto;margin-right:auto;text-align:left}
.sticky-bar .sb-call{flex:none;gap:6px;padding:10px 14px}
@media (max-width:420px){.sticky-bar .sb-call span,.sticky-bar .sb-t span{display:none}}

/* mid-page CTA inside the summary panel */
.aeo-cta{margin-top:24px;padding-top:22px;border-top:1px solid var(--line)}
.aeo-cta .tiny{flex:1;min-width:180px}

/* inline primary-source citation */
.cite{display:inline-block;margin-left:4px;font-size:9.5px;font-weight:600;letter-spacing:.1em;
  text-transform:uppercase;text-decoration:none;color:var(--gold-text);vertical-align:super;
  border-bottom:1px solid rgba(122,98,56,.4)}
.cite:hover{color:var(--ink);border-bottom-color:var(--ink)}
.panel.dark .cite,.fc.dark .cite,.repex .cite{color:var(--gold);border-bottom-color:rgba(184,155,110,.5)}
.panel.dark .cite:hover,.fc.dark .cite:hover,.repex .cite:hover{color:var(--cream-on-dark)}

/* ---------- inline SVG figures ------------------------------------------- */
.figwrap{margin:28px 0 0}
.figwrap .fig{display:block;width:100%;height:auto;overflow:visible}
.figwrap figcaption{margin-top:18px;max-width:82ch;line-height:1.7}
@media (max-width:760px){
  .figwrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
  .figwrap .fig{min-width:660px}
}

/* ---------- state context bar -------------------------------------------
   Laid out as a grid rather than a flex pill. The 999px radius only ever
   looked right on one line of text; with Texas selected the copy runs to
   three lines and the capsule ends bulged around it.                      */
.statebar{
  display:grid;align-items:center;gap:8px 18px;
  grid-template-columns:auto auto 1fr auto;
  grid-template-areas:"k sel txt link";
  margin-top:18px;padding:14px 20px;
  border:1px solid var(--line-2);border-radius:14px;
  background:var(--sand);font-size:12.5px}
.statebar .sb-k{grid-area:k;white-space:nowrap;
  font-size:10.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;
  color:var(--gray-2)}
.statebar select{grid-area:sel;width:auto;min-width:172px;padding:9px 13px;
  border-radius:10px;font-size:12.5px;background-color:var(--white)}
.statebar .sb-v{grid-area:txt;color:var(--ink-soft);line-height:1.6;max-width:92ch}
.statebar .sb-v b{font-weight:600}
.statebar .sb-reset{grid-area:link;white-space:nowrap;justify-self:end;font-size:12px}

/* the description earns its own full-width row before the columns get cramped */
@media (max-width:1240px){
  .statebar{grid-template-columns:auto auto 1fr;
    grid-template-areas:"k sel link" "txt txt txt"}
  .statebar .sb-reset{justify-self:end}
}
@media (max-width:620px){
  .statebar{grid-template-columns:1fr;gap:10px;
    grid-template-areas:"k" "sel" "txt" "link"}
  .statebar select{width:100%;min-width:0}
  .statebar .sb-reset{justify-self:start}
}

/* ---------- FAQ anchors + copy link -------------------------------------- */
details.faq{scroll-margin-top:96px}
details.faq summary{padding-right:78px}
.faq-link{position:absolute;right:38px;top:16px;border:0;background:none;cursor:pointer;padding:4px;
  border-radius:6px;opacity:0;transition:opacity .2s var(--ease);color:var(--gray-2);line-height:0}
details.faq:hover .faq-link,details.faq:focus-within .faq-link{opacity:1}
.faq-link:hover{color:var(--gold-text)}
.faq-link.done{opacity:1;color:var(--ok)}
.band details.faq .faq-link{color:rgba(241,235,223,.55)}
details.faq{position:relative}
details.faq:target{background:rgba(184,155,110,.09);border-radius:8px}

/* ==========================================================================
   UI pass: touch targets, legibility and measure across PC / tablet / phone.
   Audited at 1920 / 1440 / 1280 / 1024 / 820 / 768 / 600 / 390 / 360.
   ========================================================================== */

/* ---- range slider: the track was a 2px-tall hit area, unusable on touch -- */
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:44px;
  background:transparent;margin:6px 0 2px;cursor:pointer}
input[type=range]:focus{outline:none}
input[type=range]:focus-visible{outline:2px solid var(--gold);outline-offset:4px;border-radius:8px}
input[type=range]::-webkit-slider-runnable-track{height:2px;background:var(--line-2);border-radius:2px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;margin-top:-12px;
  border-radius:50%;background:var(--ink);border:3px solid var(--cream);
  box-shadow:0 2px 10px -2px rgba(0,0,0,.45);cursor:pointer}
input[type=range]::-moz-range-track{height:2px;background:var(--line-2);border-radius:2px}
input[type=range]::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:var(--ink);
  border:3px solid var(--cream);box-shadow:0 2px 10px -2px rgba(0,0,0,.45);cursor:pointer}

/* ---- 44px minimum on everything you tap --------------------------------- */
.btn-sm{padding:12px 20px;min-height:44px}
.tab{padding:13px 22px;min-height:44px}
.chip{padding:12px 18px;min-height:44px}
.segbtn{min-height:44px}
.statebar select,select,input[type=text],input[type=number]{min-height:44px}
.statebar .sb-reset{padding:8px 2px;display:inline-block}
.brand{padding:9px 0}
.checks input{width:21px;height:21px}
.checks input:checked::after{left:7px;top:3px}
.nav-links a,.nav-links button.dd-t{min-height:44px}
.dd a{min-height:44px;display:flex;align-items:center}
.ov-list a{min-height:56px;align-items:center}
.faq-link{width:34px;height:34px;display:grid;place-items:center;top:12px}

/* pointer:coarse has no hover, so a hover-only control is an invisible one */
@media (hover:none),(pointer:coarse){
  .faq-link{opacity:.55;width:40px;height:40px;top:9px;right:32px}
  details.faq summary{padding-right:84px}
  .fc:hover,.rel:hover{transform:none}
}

/* ---- legibility: 11.5px is below comfortable reading size --------------- */
.tiny{font-size:12.5px;line-height:1.65}
.foot-notes p,.foot-legal{font-size:12.5px}
@media (max-width:860px){
  .tiny,.foot-notes p,.foot-legal{font-size:13px}
}

/* ---- measure: cap long lines so they stay readable on wide screens ------ */
.foot-notes p{max-width:92ch}
.note p{max-width:88ch}
.figwrap figcaption{max-width:88ch}
.disc p,.prose p,.prose li{max-width:76ch}
.rev-sum .small{max-width:66ch}

/* ---- the watermark was bleeding past the panel on small screens --------- */
@media (max-width:1060px){.wm{width:210px;height:210px;right:-24px;bottom:-40px}}
@media (max-width:860px){.wm{display:none}}

/* ---- wide figures scroll: say so, rather than letting it be discovered --- */
@media (max-width:760px){
  .figwrap{position:relative}
  .figwrap::after{content:"Scroll to see the full chart \2192";display:block;margin-top:10px;
    font-size:11.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--gray-2)}
}

/* ---- tablet: 768-1060 was never tuned; these ranges were inherited ------ */
@media (min-width:961px) and (max-width:1120px){
  .nav-links a,.nav-links button.dd-t{padding:9px 9px;font-size:12.5px}
  .brand b{font-size:11.5px;letter-spacing:.16em}
}
@media (min-width:601px) and (max-width:960px){
  .fcs,.tiers,.rev-grid,.g3,.relgrid{grid-template-columns:repeat(2,1fr)}
  .why{grid-template-columns:repeat(2,1fr)}
  .statelist{grid-template-columns:repeat(2,1fr)}
  .hero.hero-form .form-card{max-width:640px;margin:0 auto}
  .split > div:first-child{max-height:420px}
  .band{min-height:320px}
  .trust-strip{grid-template-columns:repeat(2,1fr);gap:16px}
}
@media (min-width:601px) and (max-width:820px){
  :root{--pad:clamp(20px,3.6vw,36px)}
  h1{font-size:clamp(2.2rem,5.4vw,3rem)}
  .kv{grid-template-columns:repeat(3,1fr)}
}

/* ---- tablet keeps a visible Apply button; only phones fall back to the
        burger alone ------------------------------------------------------ */
@media (min-width:601px) and (max-width:960px){
  .nav-cta .btn{display:inline-flex}
}

/* the last two under-sized targets: the state-bar link and the glossary pills */
.gloss-nav a{padding:11px 15px;min-height:44px;display:inline-flex;align-items:center}
@media (hover:none),(pointer:coarse){
  .statebar .sb-reset{padding:13px 4px}
}

/* ---- verification date, directly under the H1 --------------------------- */
/* block, not flex: as a flex container every text node and inline element
   became its own column and the sentence broke into strips */
.verified-line{display:block;margin:16px 0 0;font-size:12.5px;line-height:1.7;
  color:var(--gray);max-width:68ch}
.vl-dot{display:inline-block;width:6px;height:6px;border-radius:50%;background:var(--ok);
  margin-right:9px;vertical-align:middle;box-shadow:0 0 0 3px rgba(62,125,91,.16)}
.verified-line time{white-space:nowrap}
.hero .verified-line{margin-top:18px}

/* ---- form skeleton: an empty white box reads as a broken page ----------- */
.form-skeleton{display:block;padding:4px 0 8px}
.form-skeleton span{display:block;border-radius:8px;background:var(--sand);
  animation:skpulse 1.5s ease-in-out infinite}
.form-skeleton .sk-l{height:11px;width:34%;margin:0 0 10px}
.form-skeleton .sk-l.short{width:24%}
.form-skeleton .sk-f{height:44px;width:100%;margin:0 0 20px;background:var(--cream);
  border:1px solid var(--line)}
.form-skeleton .sk-btn{height:48px;width:100%;border-radius:999px;background:var(--line-2);margin-top:6px}
@keyframes skpulse{0%,100%{opacity:1}50%{opacity:.55}}
@media (prefers-reduced-motion:reduce){.form-skeleton span{animation:none}}

/* ---- print: people print loan disclosures and keep them ----------------- */
@media print{
  :root{--pad:0}
  body{background:#fff;color:#000;font-size:11pt}
  .nav,.statebar,.sticky-bar,.totop,.overlay,.burger,.btn,.btns,.aeo-cta,
  .cta-panel,.relgrid,.form-card,.formwrap,.form-skeleton,.faq-link,.trust-strip{display:none!important}
  .stack{max-width:none;padding:0;gap:0;display:block}
  .panel{background:#fff;border:0;box-shadow:none;border-radius:0;padding:0 0 18pt;
    page-break-inside:avoid;overflow:visible}
  .panel.dark,.band,.repex,.est-out,.cred-wrap{background:#fff!important;color:#000!important}
  .panel.dark *,.band-in *,.repex *,.est-out *{color:#000!important}
  .band>img,.cred-wrap>img,.wm,.hero-media{display:none!important}
  h1{font-size:20pt}h2{font-size:15pt;page-break-after:avoid}h3{font-size:11pt;page-break-after:avoid}
  a{color:#000;text-decoration:underline}
  .prose a[href^="http"]::after,.srclist a::after{content:" (" attr(href) ")";font-size:8pt;word-break:break-all}
  table{page-break-inside:avoid;width:100%}
  .tscroll,.figwrap{overflow:visible}
  .figwrap .fig{min-width:0;max-width:100%}
  .foot-notes,.disc,.kf-table,.byline{page-break-inside:avoid}
  .foot{display:none}
  .verified-line{border-bottom:1pt solid #000;padding-bottom:6pt}
}

/* ---- corrections log ---------------------------------------------------- */
.corrlist{list-style:none;margin:22px 0 0;padding:0}
.corr{display:grid;grid-template-columns:118px 1fr;gap:20px;padding:20px 0;
  border-top:1px solid var(--line)}
.corr-date{margin:0;font-size:11.5px;font-weight:600;letter-spacing:.1em;color:var(--gray-2);padding-top:2px}
.corr h3{margin-bottom:6px}
.corr p.small{max-width:74ch}
@media (max-width:600px){.corr{grid-template-columns:1fr;gap:6px}}