/* Loanify — loanifyloan.com
   Palette: Spruce / Paper / Ink / Mist / Marigold
   Type: Bricolage Grotesque (display) + Public Sans (text) */
:root{
  --spruce:#0E3A34; --spruce-2:#16524A; --spruce-3:#2C6E63;
  --paper:#F6F8F6; --white:#FFFFFF; --ink:#17201F; --muted:#51605C;
  --mist:#E3ECE8; --line:#CBD8D3; --marigold:#F3B33D; --marigold-dk:#D99A1F;
  --danger:#9B2C2C;
  --display:"Bricolage Grotesque", "Segoe UI", Arial, sans-serif;
  --text:"Public Sans", "Helvetica Neue", Arial, sans-serif;
  --wrap:1160px; --measure:68ch;
  --r-s:6px; --r-m:12px; --r-l:22px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--text);font-size:1.0625rem;line-height:1.65;color:var(--ink);background:var(--paper)}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--spruce-2);text-underline-offset:3px}
a:hover{color:var(--spruce)}
:focus-visible{outline:3px solid var(--marigold);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--display);line-height:1.12;color:var(--ink);margin:0 0 .5em;letter-spacing:-.015em}
h1{font-size:clamp(2.2rem,4.6vw,3.6rem);font-weight:800}
h2{font-size:clamp(1.65rem,3vw,2.35rem);font-weight:700}
h3{font-size:1.28rem;font-weight:700}
h4{font-size:1.05rem;font-weight:700}
p{margin:0 0 1.1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 1.25rem}
.skip{position:absolute;left:-999px;top:0;background:var(--marigold);color:var(--ink);padding:.6rem 1rem;z-index:100}
.skip:focus{left:1rem}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* Header */
.site-head{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.head-in{display:flex;align-items:center;gap:1.5rem;min-height:70px}
.brand{display:flex;align-items:center;gap:.55rem;text-decoration:none;color:var(--spruce);font-family:var(--display);font-weight:800;font-size:1.45rem;letter-spacing:-.03em}
.brand svg{width:34px;height:34px}
.nav{margin-left:auto;display:flex;align-items:center;gap:.25rem}
.nav a,.nav summary{color:var(--ink);text-decoration:none;font-weight:500;font-size:.97rem;padding:.55rem .75rem;border-radius:var(--r-s);cursor:pointer}
.nav a:hover,.nav summary:hover{background:var(--mist)}
.nav a[aria-current="page"]{color:var(--spruce);box-shadow:inset 0 -2px 0 var(--marigold)}
.nav details{position:relative}
.nav summary{list-style:none}
.nav summary::-webkit-details-marker{display:none}
.nav summary::after{content:"";display:inline-block;margin-left:.4rem;border:5px solid transparent;border-top-color:currentColor;transform:translateY(3px)}
.drop{position:absolute;top:calc(100% + 6px);left:0;background:var(--white);border:1px solid var(--line);border-radius:var(--r-m);padding:.5rem;min-width:250px;box-shadow:0 18px 40px -20px rgba(14,58,52,.35)}
.drop a{display:block}
.drop small{display:block;color:var(--muted);font-size:.8rem;font-weight:400}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-family:var(--text);font-weight:700;font-size:1rem;text-decoration:none;border:2px solid transparent;border-radius:999px;padding:.8rem 1.5rem;cursor:pointer;transition:background .15s,color .15s}
.btn-gold{background:var(--marigold);color:var(--ink)}
.btn-gold:hover{background:var(--marigold-dk);color:var(--ink)}
.btn-line{border-color:var(--spruce);color:var(--spruce);background:transparent}
.btn-line:hover{background:var(--spruce);color:var(--white)}
.head-cta{margin-left:.5rem;padding:.6rem 1.15rem}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:var(--r-s);padding:.5rem .7rem;font:inherit;font-weight:600;color:var(--ink)}
@media (max-width:1100px){
  .menu-btn{display:inline-flex}
  .nav{display:none;position:absolute;left:0;right:0;top:70px;background:var(--white);flex-direction:column;align-items:stretch;padding:1rem 1.25rem 1.5rem;border-bottom:1px solid var(--line)}
  .nav.open{display:flex}
  .drop{position:static;box-shadow:none;border:0;padding:0 0 0 .75rem}
  .head-cta{margin:.5rem 0 0}
}

/* Hero */
.hero{background:var(--spruce);color:#E9F1EE;padding:4rem 0 5rem;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:auto -10% -55% auto;width:720px;height:720px;border-radius:50%;border:90px solid rgba(255,255,255,.035)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:3.5rem;align-items:center;position:relative}
.hero h1{color:var(--white);max-width:15ch}
.hero .lede{font-size:1.2rem;max-width:52ch;color:#CFE0DA}
.checks{list-style:none;padding:0;margin:1.5rem 0 0;display:grid;gap:.55rem}
.checks li{padding-left:1.8rem;position:relative}
.checks li::before{content:"";position:absolute;left:0;top:.35em;width:1.05rem;height:1.05rem;border-radius:50%;background:var(--marigold)}
.checks li::after{content:"";position:absolute;left:.33rem;top:.55em;width:.4rem;height:.22rem;border-left:2px solid var(--ink);border-bottom:2px solid var(--ink);transform:rotate(-45deg)}
.hero-note{margin-top:1.4rem;font-size:.85rem;color:#A8C2BA}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:2.5rem}.hero{padding:3rem 0 3.5rem}}

/* Signature: the loan slip */
.slip{background:var(--paper);color:var(--ink);border-radius:var(--r-l);padding:1.8rem 1.8rem 1.6rem;position:relative;box-shadow:0 30px 60px -30px rgba(0,0,0,.55)}
.slip-top{border-bottom:2px dashed var(--line);padding-bottom:1.2rem;margin-bottom:1.2rem;position:relative}
.slip-top::before,.slip-top::after{content:"";position:absolute;bottom:-15px;width:28px;height:28px;border-radius:50%;background:var(--spruce)}
.slip-top::before{left:calc(-1.8rem - 14px)}.slip-top::after{right:calc(-1.8rem - 14px)}
.side .slip-top::before,.side .slip-top::after,.prose .slip-top::before,.prose .slip-top::after{background:var(--paper)}
.slip label{font-weight:600;font-size:.95rem;display:block;margin-bottom:.35rem}
.amount{font-family:var(--display);font-weight:800;font-size:clamp(3rem,7vw,4.4rem);line-height:1;color:var(--spruce);letter-spacing:-.04em;font-variant-numeric:tabular-nums}
.range{width:100%;margin:1rem 0 .3rem;accent-color:var(--spruce);height:28px}
.range-ends{display:flex;justify-content:space-between;font-size:.82rem;color:var(--muted)}
.terms{display:flex;flex-wrap:wrap;gap:.4rem;margin:.3rem 0 1rem}
.terms button{font:inherit;font-size:.9rem;font-weight:600;border:1.5px solid var(--line);background:var(--white);color:var(--ink);padding:.4rem .8rem;border-radius:999px;cursor:pointer}
.terms button[aria-pressed="true"]{background:var(--spruce);border-color:var(--spruce);color:var(--white)}
.est{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin-bottom:1.2rem}
.est div{background:var(--white);border:1px solid var(--line);border-radius:var(--r-m);padding:.7rem .9rem}
.est span{display:block;font-size:.8rem;color:var(--muted)}
.est strong{font-family:var(--display);font-size:1.35rem;font-variant-numeric:tabular-nums}
.slip .btn{width:100%}
.slip-fine{font-size:.76rem;color:var(--muted);margin:.8rem 0 0;line-height:1.5}

/* Sections */
.sec{padding:4.5rem 0}
.sec-alt{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{max-width:720px;margin-bottom:2.4rem}
.sec-head p{color:var(--muted);font-size:1.1rem}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem}
@media (max-width:900px){.grid-3,.grid-4{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

/* Service tiles: varied, not identical cards */
.svc{display:block;text-decoration:none;color:var(--ink);padding:1.6rem 1.5rem 1.4rem;border-top:4px solid var(--spruce);background:var(--white);border-radius:0 0 var(--r-m) var(--r-m)}
.svc:hover{border-top-color:var(--marigold)}
.svc h3{margin-bottom:.35rem}
.svc .rng{font-family:var(--display);font-weight:700;color:var(--spruce-3);font-size:.95rem;margin-bottom:.6rem}
.svc p{color:var(--muted);font-size:.98rem;margin:0 0 .8rem}
.svc .more{font-weight:700;color:var(--spruce-2);text-decoration:underline;text-underline-offset:3px}

/* Steps (true sequence) */
.steps{counter-reset:s;list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem}
.steps li{counter-increment:s;position:relative;padding-top:3.4rem}
.steps li::before{content:counter(s);position:absolute;top:0;left:0;width:2.5rem;height:2.5rem;border-radius:50%;background:var(--marigold);font-family:var(--display);font-weight:800;display:grid;place-items:center;font-size:1.15rem}
.steps li::after{content:"";position:absolute;top:1.25rem;left:3rem;right:-1rem;border-top:2px dashed var(--line)}
.steps li:last-child::after{display:none}
.steps p{color:var(--muted);font-size:.97rem}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}.steps li::after{display:none}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}

/* Apply / form slot */
.apply{background:var(--mist);padding:4rem 0}
.apply-box{background:var(--white);border:2px solid var(--spruce);border-radius:var(--r-l);padding:2rem;max-width:860px;margin:0 auto}
.apply-box h2{margin-bottom:.3rem}
.form-slot{margin-top:1.4rem;min-height:320px;border:2px dashed var(--line);border-radius:var(--r-m);display:grid;place-items:center;text-align:center;color:var(--muted);padding:2rem;font-size:.95rem}
.trust-row{display:flex;flex-wrap:wrap;gap:.6rem 1.4rem;margin-top:1.2rem;font-size:.88rem;color:var(--muted)}
.trust-row span::before{content:"";display:inline-block;width:.5rem;height:.5rem;border-radius:50%;background:var(--spruce-3);margin-right:.45rem;vertical-align:middle}

/* Tables */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-m);background:var(--white)}
table{width:100%;border-collapse:collapse;font-size:.97rem}
th,td{text-align:left;padding:.85rem 1rem;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--mist);font-family:var(--display);font-weight:700}
tr:last-child td{border-bottom:0}
td.num{font-variant-numeric:tabular-nums;white-space:nowrap}

/* Expert block */
.expert{margin:0;display:grid;grid-template-columns:auto 1fr;gap:1.3rem;align-items:start;background:var(--white);border-left:5px solid var(--marigold);padding:1.5rem 1.6rem;border-radius:0 var(--r-m) var(--r-m) 0}
.avatar{width:64px;height:64px;border-radius:50%;background:var(--spruce);color:var(--white);display:grid;place-items:center;font-family:var(--display);font-weight:800;font-size:1.3rem;flex:none}
.expert blockquote{margin:0 0 .6rem;font-size:1.08rem}
.expert cite{font-style:normal;font-size:.9rem;color:var(--muted)}
.expert cite strong{color:var(--ink)}

/* FAQ */
.faq details{border-bottom:1px solid var(--line);padding:1rem 0}
.faq summary{cursor:pointer;font-family:var(--display);font-weight:700;font-size:1.12rem;list-style:none;display:flex;justify-content:space-between;gap:1rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;line-height:1;color:var(--spruce-3)}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:.7rem 0 0;color:var(--muted);max-width:var(--measure)}

/* Page header + article */
.page-head{background:var(--spruce);color:#D7E6E1;padding:3rem 0 3.2rem}
.page-head h1{color:var(--white);max-width:22ch}
.page-head p{max-width:62ch;font-size:1.15rem;margin:0}
.crumbs{font-size:.86rem;margin-bottom:1rem;color:#A8C2BA}
.crumbs a{color:#D7E6E1}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.4rem}
.crumbs li+li::before{content:"/";margin-right:.4rem;opacity:.6}
.byline{display:flex;flex-wrap:wrap;gap:.3rem 1.2rem;font-size:.9rem;margin-top:1.1rem;color:#BCD3CB}
.byline a{color:var(--white)}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:3rem;padding-top:3.5rem;padding-bottom:3.5rem}
@media (max-width:960px){.layout{grid-template-columns:1fr}}
.prose{max-width:var(--measure)}
.prose h2{margin-top:2.2rem;font-size:1.75rem}
.prose h3{margin-top:1.6rem}
.prose ul,.prose ol{padding-left:1.25rem;margin:0 0 1.2em}
.prose li{margin-bottom:.4rem}
.prose .tbl-wrap{margin:1.2rem 0 1.6rem}
.callout{background:var(--mist);border-radius:var(--r-m);padding:1.1rem 1.3rem;margin:1.4rem 0}
.callout strong:first-child{display:block;font-family:var(--display);margin-bottom:.25rem}
.warn{background:#FBF1DC;border-left:4px solid var(--marigold-dk)}
.side{position:sticky;top:95px;align-self:start;display:grid;gap:1.2rem}
.side-box{background:var(--white);border:1px solid var(--line);border-radius:var(--r-m);padding:1.3rem}
.side-box h4{margin-bottom:.6rem}
.side-box ul{list-style:none;padding:0;margin:0;font-size:.95rem}
.side-box li{padding:.35rem 0;border-bottom:1px solid var(--mist)}
.side-cta{background:var(--spruce);color:#D7E6E1;border:0}
.side-cta h4{color:var(--white)}
.side-cta .btn{width:100%;margin-top:.5rem}
.toc ol{padding-left:1.1rem;margin:0;font-size:.93rem}
.toc li{margin:.3rem 0}

/* Reviews */
.story{background:var(--white);border:1px solid var(--line);border-radius:var(--r-m);padding:1.5rem}
.story .who{font-weight:700;margin-top:.8rem}
.story .who small{display:block;font-weight:400;color:var(--muted)}
.story .use{display:inline-block;background:var(--mist);color:var(--spruce);font-size:.8rem;font-weight:700;padding:.2rem .6rem;border-radius:999px;margin-bottom:.7rem}
.stars{color:var(--marigold-dk);letter-spacing:2px;font-size:1rem}

/* Team */
.person{background:var(--white);border:1px solid var(--line);border-radius:var(--r-m);padding:1.5rem}
.person .avatar{margin-bottom:1rem}
.person .role{color:var(--spruce-3);font-weight:600;font-size:.93rem;margin-bottom:.6rem}
.person p{font-size:.96rem;color:var(--muted)}

/* Stats band (honest numbers only) */
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;border-top:1px solid rgba(255,255,255,.15);margin-top:2.5rem;padding-top:1.6rem}
.facts div strong{display:block;font-family:var(--display);font-size:1.6rem;color:var(--white)}
.facts div span{font-size:.88rem;color:#A8C2BA}
@media (max-width:700px){.facts{grid-template-columns:1fr 1fr}}

/* Articles list */
.post{display:block;text-decoration:none;color:var(--ink);background:var(--white);border:1px solid var(--line);border-radius:var(--r-m);padding:1.5rem}
.post:hover{border-color:var(--spruce-3)}
.post .meta{font-size:.85rem;color:var(--muted);margin-bottom:.5rem}
.post p{color:var(--muted);font-size:.97rem;margin:.4rem 0 0}

/* CTA band */
.band{background:var(--marigold);padding:3rem 0}
.band-in{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.5rem}
.band h2{margin:0;max-width:24ch}
.band .btn{background:var(--ink);color:var(--white)}
.band .btn:hover{background:var(--spruce);color:var(--white)}

/* Footer */
.site-foot{background:#10201D;color:#A9BDB7;padding:3.5rem 0 2rem;font-size:.93rem}
.foot-grid{display:grid;grid-template-columns:1.3fr repeat(4,1fr);gap:1.8rem}
.site-foot h4{color:var(--white);font-size:1rem;margin-bottom:.8rem}
.site-foot ul{list-style:none;padding:0;margin:0}
.site-foot li{margin:.35rem 0}
.site-foot a{color:#D3E2DD;text-decoration:none}
.site-foot a:hover{text-decoration:underline}
.site-foot .brand{color:var(--white);margin-bottom:.8rem}
.fine{border-top:1px solid rgba(255,255,255,.12);margin-top:2.5rem;padding-top:1.5rem;font-size:.8rem;line-height:1.6;color:#8FA59F}
.fine p{margin-bottom:.8rem}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
.lead-p{font-size:1.15rem}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}
@media (max-width:860px){.two-col{grid-template-columns:1fr}}
.pill-list{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;padding:0;margin:0}
.pill-list li{background:var(--mist);border-radius:999px;padding:.35rem .85rem;font-size:.92rem;font-weight:500}
.pill-list a{text-decoration:none}
[id]{scroll-margin-top:90px}

/* ===== Theme: Sunrise Teal (design 6) ===== */
:root{--spruce:#0B6E77;--spruce-2:#095861;--spruce-3:#138C97;--paper:#FFFBF6;--ink:#12343A;--muted:#52696D;--mist:#E3F2F3;--line:#D7E6E6;--marigold:#F6A04D;--marigold-dk:#E5852A;
--sun:linear-gradient(160deg,#0B6E77 0%,#137F84 45%,#E9955A 100%);
--display:"Outfit",Arial,sans-serif;--text:"Outfit",Arial,sans-serif;--r-m:16px;--r-l:26px}
h1{font-weight:700}
.hero,.page-head{background:var(--sun);position:relative;overflow:hidden}
.hero{padding:4.5rem 0 7rem}
.page-head{padding:3rem 0 5rem}
.page-head .wrap{position:relative;z-index:1}
.hero::before,.page-head::before{content:"";position:absolute;inset:auto 0 -1px 0;width:100%;height:90px;border:0;border-radius:0;background:var(--paper);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 90' preserveAspectRatio='none'%3E%3Cpath d='M0 60C240 10 480 10 720 45s480 45 720-5v50H0z'/%3E%3C/svg%3E") center/100% 100% no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 90' preserveAspectRatio='none'%3E%3Cpath d='M0 60C240 10 480 10 720 45s480 45 720-5v50H0z'/%3E%3C/svg%3E") center/100% 100% no-repeat}
.page-head::before{height:60px}
.hero .lede,.page-head p{color:#E6F4F2}
.crumbs,.byline{color:#CBE6E3}.crumbs a,.byline a{color:#fff}
.hero .checks li::before{background:#FCE7CF}
.hero-note{color:#D5ECEA}
.hero .slip{background:rgba(255,255,255,.9);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,.6)}
.slip-top::before,.slip-top::after{display:none}
.slip{border:1px solid var(--line)}
.btn{border-radius:14px}
.nav a[aria-current="page"]{box-shadow:inset 0 -2px 0 var(--marigold)}
.svc{border-top:0;border-radius:18px;box-shadow:0 1px 0 var(--line),0 12px 30px -24px rgba(11,110,119,.5)}
.band{background:linear-gradient(90deg,#F6A04D,#F2B874)}
.site-foot{background:#0E2B30}
.form-embed{margin-top:1.4rem;min-height:320px}
.hero::before{background:var(--mist);bottom:-2px}
.sched-toggle summary{cursor:pointer;font-weight:600;color:var(--spruce-2);margin:.4rem 0 .8rem}
.calc-more{font-size:.9rem;color:var(--muted)}
/* Apply: text beside form */
.apply-grid{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);grid-template-areas:"intro form" "side form";column-gap:3rem;align-items:start}
.apply-intro{grid-area:intro}.apply-box{grid-area:form;max-width:none;margin:0}.apply-side{grid-area:side}
.apply-intro h2{margin-bottom:.4rem}
.apply-side h3{font-size:1.1rem;margin:1.4rem 0 .6rem}
.mini-steps{counter-reset:m;list-style:none;padding:0;margin:0}
.mini-steps li{counter-increment:m;position:relative;padding-left:2.4rem;margin-bottom:.85rem;font-size:.97rem;color:var(--muted)}
.mini-steps li strong{color:var(--ink)}
.mini-steps li::before{content:counter(m);position:absolute;left:0;top:0;width:1.7rem;height:1.7rem;border-radius:50%;background:var(--spruce);color:#fff;font-weight:700;font-size:.85rem;display:grid;place-items:center}
.ready{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:.45rem 1rem;font-size:.95rem}
.ready li{padding-left:1.3rem;position:relative}
.ready li::before{content:"";position:absolute;left:0;top:.5em;width:.55rem;height:.55rem;border-radius:2px;background:var(--marigold)}
.apply-fine{font-size:.82rem;color:var(--muted);margin-top:1.2rem}
.apply .form-embed{margin-top:0}
@media (max-width:900px){.apply-grid{grid-template-columns:1fr;grid-template-areas:"intro" "form" "side"}.apply-intro{margin-bottom:1rem}}
@media (max-width:480px){.ready{grid-template-columns:1fr}}
@media (max-width:560px){.apply-box{padding:1rem}}
/* Hero: Sunrise Arch (hero design 3) */
.hero-ctas{display:flex;flex-wrap:wrap;gap:.7rem;margin:1.6rem 0 0}
.btn-ghost{border:2px solid rgba(255,255,255,.7);color:#fff;background:transparent}
.btn-ghost:hover{background:#fff;color:var(--spruce)}
.hero-img{display:block;width:100%;height:100%;object-fit:cover}
.hv .arch{position:relative;max-width:440px;width:100%;margin-left:auto;aspect-ratio:4/5}
.hv .arch::before{content:"";position:absolute;inset:-14px 14px 14px -14px;border:2px solid #FCE7CF;border-radius:999px 999px 28px 28px}
.hv .arch .hero-img{position:relative;border-radius:999px 999px 28px 28px;box-shadow:0 30px 60px -30px rgba(0,0,0,.45);background:#E3F2F3}
.hv .badge{position:absolute;right:-18px;top:18%;background:#fff;color:var(--ink);border-radius:999px;padding:.55rem 1rem;font-weight:600;font-size:.9rem;box-shadow:0 12px 30px -14px rgba(0,0,0,.4)}
@media (max-width:900px){.hv .arch{margin:0 auto;max-width:320px}.hv .badge{right:0}}
.hv .badge{top:auto;bottom:14%;right:auto;left:-22px}
@media (max-width:900px){.hv .badge{left:0}}
/* Header scrolls away with the page (not sticky) */
.site-head{position:relative;top:auto}
[id]{scroll-margin-top:16px}
.side{top:1.5rem}
/* Form loading state */
.form-embed{position:relative}
.form-loading{display:flex;align-items:center;justify-content:center;gap:.7rem;min-height:320px;color:var(--muted);font-size:.95rem;text-align:center}
.spinner{width:22px;height:22px;border-radius:50%;border:3px solid var(--mist);border-top-color:var(--spruce);animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
@media (prefers-reduced-motion:reduce){.spinner{animation-duration:2s!important}}

/* Services section: Zigzag Showcase (option C) */
.svx .zz{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:3rem;align-items:center;margin-bottom:4rem}
.svx .zz.flip .z-vis{order:2}
.svx .z-vis{background:var(--sun);color:#fff;border-radius:32px;padding:6.5rem 2.2rem 2.2rem;position:relative;overflow:hidden;min-height:340px;display:flex;flex-direction:column;justify-content:flex-end}
.svx .z-vis::after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;background:rgba(252,231,207,.25)}
.svx .zi{position:absolute;top:1.8rem;left:2.2rem;width:58px;height:58px;border-radius:16px;background:rgba(255,255,255,.2);display:grid;place-items:center}.svx .zi svg{width:32px}
.svx .z-lbl{font-size:.95rem;opacity:.9}.svx .z-amt{font-family:var(--display);font-size:clamp(2.2rem,4vw,3.2rem);line-height:1.05;margin:.2rem 0 1rem}
.svx .zkv{display:grid;grid-template-columns:1fr 1fr;gap:.5rem;margin:0;position:relative;z-index:1}
.svx .zkv div{background:rgba(255,255,255,.14);border-radius:12px;padding:.5rem .7rem}.svx .zkv dt{font-size:.75rem;opacity:.85}.svx .zkv dd{margin:0;font-weight:700}
.svx .z-txt h2{font-size:1.8rem}.svx .z-txt ul{padding-left:1.2rem}
.svx .tipx{font-size:.93rem;color:var(--muted);background:var(--mist);border-radius:12px;padding:.8rem 1rem}.svx .tipx strong{color:var(--ink)}
.svx .svc-link{display:inline-block;background:var(--spruce);color:#fff;text-decoration:none;font-weight:700;padding:.7rem 1.2rem;border-radius:14px}
@media (max-width:860px){.svx .zz{grid-template-columns:1fr;gap:1.4rem}.svx .zz.flip .z-vis{order:0}.svx .z-vis{min-height:260px}}
/* Service panel with photo */
.svx .z-vis.has-photo{padding:0;justify-content:flex-start;min-height:0}
.svx .z-vis.has-photo::after{top:auto;bottom:-80px}
.svx .z-photo{position:relative;aspect-ratio:3/2;overflow:hidden}
.svx .z-photo img{display:block;width:100%;height:100%;object-fit:cover}
.svx .z-vis.has-photo .zi{top:1.1rem;left:1.1rem;background:rgba(11,110,119,.8);backdrop-filter:blur(4px)}
.svx .z-info{position:relative;z-index:1;padding:1.4rem 2.2rem 2rem}
.svx .z-vis.has-photo .z-amt{margin-bottom:.9rem}
.svx .z-info{display:flex;flex-direction:column}

/* Which loan fits: Comparison Matrix (option D) */
.fit{margin-top:1.5rem}
.fit .fit-h{font-size:1.9rem;margin-bottom:.4rem}
.fit .fit-sub{color:var(--muted);max-width:62ch;margin:0 0 1.6rem}

.fitD .fd-wrap{overflow-x:auto;border-radius:22px;border:1px solid var(--line);background:#fff}
.fitD .fd{width:100%;border-collapse:separate;border-spacing:0;min-width:760px}
.fitD .fd th,.fitD .fd td{padding:1rem 1.1rem;border-bottom:1px solid var(--line);text-align:left;vertical-align:top;background:transparent}
.fitD .fd thead th{background:var(--spruce);color:#fff;font-family:var(--display);font-size:1.05rem;border-left:1px solid rgba(255,255,255,.2)}
.fitD .fd thead td{background:var(--spruce)}
.fitD .fd-i{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,.2);margin-bottom:.6rem}.fitD .fd-i svg{width:22px}
.fitD .fd tbody th{font-weight:600;color:var(--muted);font-size:.9rem;width:18%;background:var(--paper)}
.fitD tbody td{font-weight:600}
.fitD tbody tr:nth-child(2) td{font-family:var(--display);font-size:1.15rem;color:var(--spruce)}
.fitD .fd-cta td,.fitD .fd-cta th{border-bottom:0}
.fitD .fd-cta a{display:inline-block;background:var(--spruce);color:#fff;text-decoration:none;font-weight:700;padding:.5rem 1rem;border-radius:10px;font-size:.9rem}

/* How it works: Sunrise Band (option D) */
.howD{background:var(--sun);border-radius:32px;padding:3rem 2.6rem 2.6rem;color:#fff;position:relative;overflow:hidden}
.howD::after{content:"";position:absolute;right:-120px;top:-120px;width:360px;height:360px;border-radius:50%;background:rgba(252,231,207,.18)}
.howD h2{color:#fff}.howD .how-intro{color:#E6F4F2;font-size:1.1rem;max-width:56ch}
.howD .hd-path{display:block;width:100%;height:60px;margin:1rem 0 -1.2rem}
.howD .hd-row{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem;position:relative;z-index:1}
.howD .hd-i{width:64px;height:64px;border-radius:50%;background:#fff;color:var(--spruce);display:grid;place-items:center;margin-bottom:1rem;box-shadow:0 0 0 8px rgba(255,255,255,.18)}.howD .hd-i svg{width:30px}
.howD .hd-step{display:block;font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;opacity:.85}
.howD h3{color:#fff;margin:.2rem 0 .4rem}.howD p{color:#E6F4F2;font-size:.96rem}
.howD .hd-time{display:inline-block;background:rgba(255,255,255,.18);border-radius:999px;padding:.25rem .75rem;font-size:.8rem;font-weight:700}
.howD .hd-foot{display:flex;flex-wrap:wrap;gap:1.4rem;align-items:center;margin-top:2.2rem;position:relative;z-index:1}
.howD .how-more{color:#fff;font-weight:700}
@media (max-width:900px){.howD .hd-row{grid-template-columns:1fr 1fr}.howD .hd-path{display:none}}
@media (max-width:560px){.howD{padding:2rem 1.4rem}.howD .hd-row{grid-template-columns:1fr}}

/* Cost section: Amount Picker (option C) */
.costC{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:3rem;align-items:center}
.costC .cc-note{color:var(--muted)}
.costC .cc-card{background:#fff;border:1px solid var(--line);border-radius:26px;padding:1.8rem;box-shadow:0 30px 60px -45px rgba(11,110,119,.6)}
.costC .cc-q{font-weight:700;margin:0 0 .7rem}
.costC .cc-chips{display:flex;flex-wrap:wrap;gap:.5rem;margin-bottom:1.5rem}
.costC .cc-chips button{font:inherit;font-weight:700;border:1.5px solid var(--line);background:var(--paper);color:var(--ink);border-radius:999px;padding:.45rem 1rem;cursor:pointer}
.costC .cc-chips button[aria-selected="true"]{background:var(--spruce);border-color:var(--spruce);color:#fff}
.costC .cc-p{display:grid;grid-template-columns:180px 1fr;gap:1.6rem;align-items:center}.costC .cc-p[hidden]{display:none}
.costC .cc-donut{width:180px;aspect-ratio:1;border-radius:50%;background:conic-gradient(var(--spruce) calc(var(--p)*1%),var(--marigold) 0);display:grid;place-items:center}
.costC .cc-donut span{width:68%;aspect-ratio:1;border-radius:50%;background:#fff;display:grid;place-content:center;text-align:center}
.costC .cc-donut b{font-family:var(--display);font-size:1.15rem;color:var(--spruce)}.costC .cc-donut small{font-size:.72rem;color:var(--muted)}
.costC .cc-kv{margin:0;display:grid;gap:.6rem}.costC .cc-kv div{display:flex;justify-content:space-between;border-bottom:1px dashed var(--line);padding-bottom:.45rem}
.costC .cc-kv dt{color:var(--muted)}.costC .cc-kv dd{margin:0;font-weight:700}.costC .cc-kv .big{font-family:var(--display);font-size:1.4rem;color:var(--spruce)}
.costC .cc-fine{font-size:.8rem;color:var(--muted);margin:1.2rem 0 0}
.cc-more{margin-top:1.8rem}.cc-more summary{cursor:pointer;font-weight:700;color:var(--spruce);margin-bottom:.8rem}
.cost-link{font-weight:700;color:var(--spruce)}
@media (max-width:900px){.costC{grid-template-columns:minmax(0,1fr)}}@media (max-width:520px){.costC .cc-p{grid-template-columns:1fr;justify-items:center}.costC .cc-kv{width:100%}}

/* Calculator: Dashboard + Chart (option B) */
.calcB .kb-head{max-width:720px;margin-bottom:1.6rem}.calcB .kb-head p{color:var(--muted);font-size:1.1rem}
.calcB .kb-bar{display:grid;grid-template-columns:repeat(5,1fr);gap:.8rem;background:#fff;border:1px solid var(--line);border-radius:20px;padding:1rem}
.calcB .kb-f label{display:block;font-size:.8rem;font-weight:700;color:var(--muted);margin-bottom:.3rem}
.calcB .kb-f input,.calcB .kb-f select{width:100%;font:inherit;font-weight:700;padding:.6rem .7rem;border:1.5px solid var(--line);border-radius:10px;background:var(--paper)}
.calcB .kb-tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:.8rem;margin:1rem 0}
.calcB .kb-tiles div{background:#fff;border:1px solid var(--line);border-radius:18px;padding:1rem 1.2rem}
.calcB .kb-tiles span{display:block;font-size:.85rem;color:var(--muted)}.calcB .kb-tiles strong{font-family:var(--display);font-size:1.8rem;color:var(--spruce)}
.calcB .kb-tiles div:first-child{background:var(--spruce);border-color:var(--spruce)}.calcB .kb-tiles div:first-child span{color:#CBE6E3}.calcB .kb-tiles div:first-child strong{color:#fff}
.calcB .kb-chart{background:#fff;border:1px solid var(--line);border-radius:20px;padding:1.2rem 1.4rem}
.calcB .kb-ch-head{display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem;margin-bottom:.8rem}.calcB .kb-key{font-size:.85rem;color:var(--muted)}
.calcB .kb-key i{display:inline-block;width:11px;height:11px;border-radius:3px;margin:0 .3rem 0 .8rem;vertical-align:-1px}.calcB .kp{background:var(--spruce)}.calcB .ki{background:var(--marigold)}
.calcB .kb-bars{display:flex;align-items:flex-end;gap:3px;height:160px}
.calcB .kb-bars span{flex:1;display:flex;flex-direction:column-reverse;min-width:3px}.calcB .kb-bars b{display:block;background:var(--spruce)}.calcB .kb-bars em{display:block;background:var(--marigold);border-radius:3px 3px 0 0}
.calcB .kb-note{margin:.9rem 0 0;font-weight:600}
.calcB .kb-foot{display:flex;flex-wrap:wrap;gap:1rem 1.5rem;align-items:flex-start;margin-top:1.2rem}.calcB .kb-foot .sched-toggle{flex:1;min-width:260px}
@media (max-width:900px){.calcB .kb-bar{grid-template-columns:1fr 1fr}.calcB .kb-tiles{grid-template-columns:1fr 1fr}}

/* Who it's for: Good Fit vs. Not a Fit (option A) */
.whoA .wa-head{max-width:760px;margin-bottom:1.8rem}
.whoA .wa-cols{display:grid;grid-template-columns:1fr 1fr;gap:1.4rem;margin-bottom:2rem}
.whoA .wa-card{border-radius:24px;padding:1.8rem}
.whoA .wa-card h3{margin-bottom:1rem}
.whoA .wa-card ul{list-style:none;padding:0;margin:0;display:grid;gap:.75rem}
.whoA .wa-card li{position:relative;padding-left:2rem}
.whoA .wa-card li::before{position:absolute;left:0;top:.05em;width:1.4rem;height:1.4rem;border-radius:50%;display:grid;place-items:center;font-size:.8rem;font-weight:800}
.whoA .wa-good{background:#E3F2F3;border:1px solid #C7E3E3}.whoA .wa-good li::before{content:"✓";background:var(--spruce);color:#fff}
.whoA .wa-bad{background:#FFF4E8;border:1px solid #F6D9B8}.whoA .wa-bad li::before{content:"✕";background:var(--marigold);color:var(--ink)}
.whoA .wa-help{font-size:.92rem;color:var(--muted);margin:1.2rem 0 0;border-top:1px dashed #F0CFA8;padding-top:1rem}
.whoA .wa-req{background:#fff;border:1px solid var(--line);border-radius:24px;padding:1.6rem 1.8rem}
.whoA .wa-chips{list-style:none;padding:0;margin:0 0 1rem;display:grid;grid-template-columns:repeat(3,1fr);gap:.8rem 1.4rem}
.whoA .wa-chips li{display:flex;gap:.8rem;align-items:flex-start}
.whoA .wa-i{width:40px;height:40px;flex:none;border-radius:12px;background:var(--mist);color:var(--spruce);display:grid;place-items:center}.whoA .wa-i svg{width:22px}
.whoA .wa-chips strong{display:block;font-size:.95rem}.whoA .wa-chips small{color:var(--muted);font-size:.84rem}
.req-link{font-weight:700;color:var(--spruce)}
@media (max-width:860px){.whoA .wa-cols{grid-template-columns:1fr}.whoA .wa-chips{grid-template-columns:1fr 1fr}}@media (max-width:520px){.whoA .wa-chips{grid-template-columns:1fr}}
.whoA .wa-good{display:flex;flex-direction:column}
.whoA .wa-go{margin-top:auto;padding-top:1.2rem;border-top:1px dashed #BFDCDC}
.whoA .wa-go p{margin:0 0 .8rem;font-weight:600}
/* Reviews section (review-platform style, Loanify brand) */
.rv-head{display:flex;justify-content:space-between;align-items:flex-end;gap:2rem;margin-bottom:1.8rem}
.rv-head p{color:var(--muted);margin:0;max-width:60ch}
.rv-all{font-weight:700;color:var(--spruce);white-space:nowrap}
.rv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.rv-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:1.4rem 1.5rem;display:flex;flex-direction:column;box-shadow:0 18px 40px -38px rgba(18,52,58,.7)}
.rv-top{display:flex;align-items:center;gap:.8rem;margin-bottom:.9rem}
.rv-av{width:44px;height:44px;flex:none;border-radius:50%;color:#fff;font-weight:700;font-size:.95rem;display:grid;place-items:center}
.rv-who strong{display:block;font-size:.98rem}.rv-who small{color:var(--muted);font-size:.84rem}
.rv-date{margin-left:auto;color:var(--muted);font-size:.8rem;white-space:nowrap}
.rv-stars{display:flex;gap:3px;margin-bottom:.7rem}
.rv-stars i{width:20px;height:20px;display:block}.rv-stars svg{width:100%;height:100%;fill:#DCE6E6}
.rv-stars i.on svg{fill:var(--marigold)}
.rv-title{font-size:1.08rem;margin:0 0 .45rem}
.rv-body{color:#3C5357;font-size:.96rem;line-height:1.6;margin:0 0 1rem}
.rv-tag{margin-top:auto;align-self:flex-start;background:var(--mist);color:var(--spruce);font-size:.8rem;font-weight:700;border-radius:999px;padding:.25rem .75rem}
.rv-note{font-size:.82rem;color:var(--muted);margin:1.2rem 0 0}
@media (max-width:980px){.rv-grid{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.rv-grid{grid-template-columns:1fr}.rv-head{flex-direction:column;align-items:flex-start}}

/* Expert advice: Featured Advice (option B) */
.expB .fb-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:2rem;margin-bottom:1.4rem;align-items:start}
.expB .fb-main{margin:0;background:var(--sun);color:#fff;border-radius:28px;overflow:hidden}
.expB .fb-photo{aspect-ratio:16/10;overflow:hidden}.expB .fb-photo img{width:100%;height:100%;object-fit:cover;object-position:center 30%;display:block}
.expB .fb-main blockquote{margin:0;padding:1.6rem 1.8rem .8rem;font-family:var(--display);font-size:1.35rem;line-height:1.45}
.expB .fb-main blockquote::before{content:"\201C";display:block;font-size:3.5rem;line-height:.6;color:#FCE7CF}
.expB figcaption{padding:0 1.8rem 1.8rem}.expB figcaption strong{display:block}.expB figcaption span{font-size:.88rem;color:#E6F4F2}
.expB .fb-list{list-style:none;padding:0;margin:0;display:grid;gap:1rem}
.expB .fb-list li{display:grid;grid-template-columns:64px 1fr;gap:1rem;background:#fff;border:1px solid var(--line);border-radius:20px;padding:1.2rem}
.expB .ex-sm{width:64px;height:64px;border-radius:50%;object-fit:cover;object-position:center 30%}
.expB .fb-list blockquote{margin:0 0 .5rem;font-size:.97rem}.expB .fb-list cite{font-style:normal;font-size:.88rem;color:var(--muted)}.expB cite strong{color:var(--ink)}
.ex-team{font-weight:700;color:var(--spruce)}
@media (max-width:900px){.expB .fb-grid{grid-template-columns:minmax(0,1fr)}}

/* Expert advice: Profile Cards (option A) */
.expA .pa-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;margin-bottom:1.4rem}
.expA .pa-card{background:#fff;border:1px solid var(--line);border-radius:24px;overflow:hidden;display:flex;flex-direction:column}
.expA .pa-photo{aspect-ratio:4/3;overflow:hidden;background:var(--mist)}.expA .ex-ph{width:100%;height:100%;object-fit:cover;object-position:center 30%;display:block}
.expA .pa-body{padding:1.4rem 1.5rem 1.5rem;display:flex;flex-direction:column;flex:1}
.expA h3{margin:0}.expA .pa-role{margin:.1rem 0 .6rem;color:var(--muted);font-size:.93rem}
.expA .pa-cred{align-self:flex-start;background:#FCE7CF;color:#8A4A12;font-size:.75rem;font-weight:700;border-radius:999px;padding:.2rem .7rem;margin-bottom:1rem}
.expA blockquote{margin:0 0 .9rem;padding-left:1rem;border-left:3px solid var(--marigold);font-size:.97rem;color:#2D4549}
.expA .pa-more{margin-top:auto;font-weight:700;color:var(--spruce)}
.ex-team{font-weight:700;color:var(--spruce)}
@media (max-width:980px){.expA .pa-grid{grid-template-columns:1fr 1fr}}@media (max-width:620px){.expA .pa-grid{grid-template-columns:1fr}}
.expA .ex-ph{object-position:center 60%}

/* Advice section: Editorial Team + support band (option 3) */
.ed-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.1rem;margin-bottom:1.2rem}
.ed-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:1.5rem}
.ed-i{width:48px;height:48px;border-radius:14px;background:var(--sun);color:#fff;display:grid;place-items:center;margin-bottom:1rem}.ed-i svg{width:24px}
.ed-card h3{font-size:1.08rem;margin-bottom:.6rem}
.ed-card blockquote{margin:0;font-size:.95rem;color:#2D4549;line-height:1.6}
.ed-by{font-size:.9rem;color:var(--muted)}.ed-by a{font-weight:700;color:var(--spruce)}
.ed-badge{display:inline-block;background:#FCE7CF;color:#8A4A12;font-weight:700;font-size:.78rem;border-radius:999px;padding:.2rem .7rem;margin-right:.5rem}
@media (max-width:1000px){.ed-grid{grid-template-columns:1fr 1fr}}@media (max-width:560px){.ed-grid{grid-template-columns:1fr}}

.support-band{background:var(--mist)!important}
.sb{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:3rem;align-items:center}
.sb-ph{border-radius:28px;overflow:hidden;aspect-ratio:1;max-width:420px;box-shadow:0 30px 60px -40px rgba(11,110,119,.7)}
.sb-ph img{width:100%;height:100%;object-fit:cover;display:block}
.sb p{color:var(--muted);font-size:1.08rem}
.sb-list{list-style:none;padding:0;margin:1rem 0 1.4rem;display:grid;gap:.5rem}.sb-list li{padding-left:1.6rem;position:relative}
.sb-list li::before{content:"✓";position:absolute;left:0;color:var(--spruce);font-weight:800}
.sb-link{font-weight:700;color:var(--spruce);margin-left:1rem}
@media (max-width:820px){.sb{grid-template-columns:1fr}.sb-ph{max-width:300px}}
/* FAQ: refined accordion (homepage) */
.faqx{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.6fr);gap:3rem;align-items:start}
.fx-side{position:sticky;top:1.5rem}.fx-side>p{color:var(--muted)}
.fx-help{display:flex;flex-direction:column;gap:.25rem;background:#fff;border:1px solid var(--line);border-radius:18px;padding:1.1rem 1.2rem;margin-top:1.4rem}
.fx-help span{color:var(--muted);font-size:.93rem}.fx-help a{font-weight:700;color:var(--spruce);margin-top:.3rem}
.fx-list{border-top:1px solid var(--line)}
.fx{border-bottom:1px solid var(--line)}
.fx summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:1.2rem;padding:1.25rem .4rem;cursor:pointer;border-radius:12px;transition:background .15s}
.fx summary::-webkit-details-marker{display:none}
.fx summary:hover{background:rgba(227,242,243,.6)}
.fx-q{font-family:var(--display);font-weight:700;font-size:1.12rem;color:var(--ink)}
.fx[open] .fx-q{color:var(--spruce)}
.fx-ic{position:relative;width:30px;height:30px;flex:none;border-radius:50%;background:var(--mist);transition:background .2s,transform .25s}
.fx-ic::before,.fx-ic::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2.5px;border-radius:2px;background:var(--spruce);transform:translate(-50%,-50%)}
.fx-ic::after{transform:translate(-50%,-50%) rotate(90deg)}
.fx[open] .fx-ic{background:var(--spruce);transform:rotate(45deg)}
.fx[open] .fx-ic::before,.fx[open] .fx-ic::after{background:#fff}
.fx-a{padding:0 .4rem 1.3rem}
.fx-a p{margin:0;color:var(--muted);max-width:64ch;border-left:3px solid var(--marigold);padding-left:1rem;line-height:1.7}
.fx-a a{color:var(--spruce);font-weight:600}
@media (max-width:900px){.faqx{grid-template-columns:minmax(0,1fr);gap:1.4rem}.fx-side{position:static}}
@media (max-width:480px){.fx-q{font-size:1.02rem}}

/* Learning center: Featured Guide + List (option B) */
.ln-ed{font-size:.88rem;color:var(--muted);margin:.4rem 0 0}.ln-ed span{display:inline-block;background:#FCE7CF;color:#8A4A12;font-weight:700;font-size:.75rem;border-radius:999px;padding:.15rem .65rem;margin-right:.4rem}
.ln-ed a,.ln-all{font-weight:700;color:var(--spruce)}
.ln-arrow{font-weight:700;color:var(--spruce)}
'
.lnB .lb-head{max-width:720px;margin-bottom:1.6rem}.lnB .lb-head p{color:var(--muted);margin:0}
.lnB .lb-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:1.6rem;align-items:stretch}
.lnB .lb-f{display:flex;flex-direction:column;justify-content:flex-end;min-height:300px;text-decoration:none;color:#fff;background:var(--sun);border-radius:26px;padding:2rem;position:relative;overflow:hidden}
.lnB .lb-f::after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;background:rgba(252,231,207,.22)}
.lnB .lb-fi{position:absolute;top:1.6rem;left:2rem;width:54px;height:54px;border-radius:16px;background:rgba(255,255,255,.2);display:grid;place-items:center}.lnB .lb-fi svg{width:28px}
.lnB .lb-k{font-size:.85rem;opacity:.9}.lnB .lb-f h3{color:#fff;font-size:1.6rem;margin:.3rem 0 .5rem}.lnB .lb-f p{color:#E6F4F2;margin:0 0 1rem}.lnB .lb-go{font-weight:700}
.lnB .lb-list{list-style:none;padding:0;margin:0 0 1rem;display:grid;gap:.7rem}
.lnB .lb-list a{display:grid;grid-template-columns:44px 1fr auto;gap:1rem;align-items:center;text-decoration:none;color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:18px;padding:1rem 1.2rem;transition:border-color .15s}
.lnB .lb-list a:hover{border-color:var(--spruce-3)}
.lnB .lb-i{width:44px;height:44px;border-radius:12px;background:var(--mist);color:var(--spruce);display:grid;place-items:center}.lnB .lb-i svg{width:22px}
.lnB .lb-list small{display:block;font-size:.78rem;color:var(--muted)}.lnB .lb-list strong{font-family:var(--display);font-size:1.02rem}
@media (max-width:880px){.lnB .lb-grid{grid-template-columns:minmax(0,1fr)}}
.lnB .lb-head{margin-bottom:1.8rem!important}.lnB .lb-head p{margin:0}
/* Featured guide card with photo */
.lnB .lb-f.has-ph{min-height:340px}
.lnB .lb-f.has-ph::after{display:none}
.lnB .lb-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
.lnB .lb-f.has-ph::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(20deg,rgba(9,88,97,.96) 0%,rgba(11,110,119,.86) 42%,rgba(11,110,119,.35) 75%,rgba(233,149,90,.25) 100%)}
.lnB .lb-f.has-ph>*:not(.lb-bg){position:relative;z-index:2}
.lnB .lb-f.has-ph .lb-fi{position:absolute;z-index:2}

/* CTA band: Centered Sunrise (option C) - site-wide */
.band-c{position:relative;background:var(--sun)!important;padding:5.5rem 0 4.5rem;text-align:center;overflow:hidden}
.band-c::before{content:"";position:absolute;inset:-1px 0 auto 0;height:70px;background:var(--paper);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 70' preserveAspectRatio='none'%3E%3Cpath d='M0 0h1440v30C1200 70 960 70 720 40S240 10 0 40z'/%3E%3C/svg%3E") center/100% 100% no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 70' preserveAspectRatio='none'%3E%3Cpath d='M0 0h1440v30C1200 70 960 70 720 40S240 10 0 40z'/%3E%3C/svg%3E") center/100% 100% no-repeat}
.bc{position:relative;max-width:760px}
.bc-sun{display:block;width:64px;height:32px;margin:0 auto 1.2rem;border-radius:64px 64px 0 0;background:#FCE7CF;box-shadow:0 0 0 10px rgba(252,231,207,.25)}
.band-c h2{color:#fff;margin:0 0 .6rem}.band-c p{color:#E6F4F2;font-size:1.1rem;margin:0 0 1.6rem}
.bc-ctas{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:1rem 1.6rem}
.bc-btn{background:#12343A!important;color:#fff!important;font-size:1.05rem;padding:1rem 1.9rem}.bc-btn:hover{background:#fff!important;color:var(--spruce)!important}
.bc-link{color:#fff;font-weight:700}
/* Inner-page hero: centered text (homepage hero unchanged) */
.page-head .wrap{text-align:center}
.page-head h1{margin-left:auto;margin-right:auto}
.page-head p{margin-left:auto;margin-right:auto}
.page-head .crumbs ol{justify-content:center}
.page-head .byline{justify-content:center}
/* Page feature image under the page header */
.pfig{position:relative;z-index:2;margin-top:-48px}
.pfig figure{margin:0 auto;max-width:860px;aspect-ratio:16/7;border-radius:26px;overflow:hidden;background:var(--mist);box-shadow:0 30px 60px -35px rgba(11,110,119,.55);border:4px solid #fff}
.pfig img{display:block;width:100%;height:100%;object-fit:cover}
.pfig + .wrap.layout{padding-top:2.5rem}
@media (max-width:700px){.pfig{margin-top:-36px}.pfig figure{border-radius:18px;border-width:3px}}
/* Footer disclosures: compact */
.fine{margin-top:2rem;padding-top:1.3rem;font-size:.78rem;line-height:1.6}
.fine p{margin-bottom:.55rem;max-width:150ch}
.fine strong{color:#D3E2DD;font-weight:600}
.fine a{color:#D3E2DD;text-decoration:underline}
.fine-copy{margin-top:.9rem!important;color:#7F9893}
/* Prevent wide tables/forms from stretching grids on small screens */
.layout{grid-template-columns:minmax(0,1fr) 300px}
.layout>*{min-width:0}
@media (max-width:960px){.layout{grid-template-columns:minmax(0,1fr)}}
.tool>*{min-width:0}
@media (max-width:860px){.tool{grid-template-columns:minmax(0,1fr)!important}}
.tbl-wrap{max-width:100%}