:root{
    --navy: #3c5e60;
    --blue: #6cbcc4;
    --blue-dark: #4a99a1;
    --sky: #eaf6f7;
    --sky-2: #d7edf0;
    --green: #3c5e60;
    --green-dark: #2c4749;
    --gray-600: #57696b;
    --gray-500: #67797b;
    --border: #dbe8e9;
    --white: #ffffff;
  }

*{box-sizing:border-box; margin:0; padding:0;}

body{
    font-family:'Inter', sans-serif;
    color: var(--navy);
    background: var(--white);
    line-height:1.5;
    -webkit-font-smoothing:antialiased;
  }

h1,h2,h3,h4{
    font-family:'Poppins', sans-serif;
    color: var(--navy);
  }

a{color:inherit; text-decoration:none;}

img{max-width:100%; display:block;}

ul{list-style:none;}

.container{
    max-width:1180px;
    margin:0 auto;
    padding:0 24px;
  }

button{font-family:inherit; cursor:pointer; border:none;}

.btn{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    gap:8px;
    padding:14px 28px;
    border-radius:8px;
    font-weight:700;
    font-size:15px;
    letter-spacing:0.3px;
    transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
  }

.btn-blue{
    background: var(--blue);
    color:#fff;
  }

.btn-blue:hover{ background: var(--blue-dark); transform: translateY(-1px); }

.btn-green{
    background: var(--green);
    color:#fff;
  }

.btn-green:hover{ background: var(--green-dark); transform: translateY(-1px); }

.btn small-nav{padding:10px 20px;}

header.container{
    position:relative;
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:20px 0;
    background:#fff;
  }

.logo{
    display:flex;
    align-items:center;
  }

.logo-img{
    height:54px;
    width:auto;
  }

nav ul{
    display:flex;
    gap:36px;
    font-weight:600;
    font-size:15px;
  }

nav a:hover{ color: var(--blue); }

nav a[aria-current="page"]{ color: var(--blue); }

.header-cta{ padding:12px 26px; font-size:14px; }

.nav-wrap{display:flex; align-items:center; gap:48px;}

.nav-toggle{
    display:none;
    background:none;
    padding:8px;
    margin-right:-8px;
    align-items:center;
    justify-content:center;
  }

.nav-toggle span{
    display:block;
    width:24px;
    height:2.5px;
    border-radius:2px;
    background: var(--navy);
    position:relative;
    transition: background .2s ease;
  }

.nav-toggle span::before,
  .nav-toggle span::after{
    content:"";
    position:absolute;
    left:0;
    width:24px;
    height:2.5px;
    border-radius:2px;
    background: var(--navy);
    transition: transform .25s ease, top .25s ease, opacity .2s ease;
  }

.nav-toggle span::before{ top:-8px; }

.nav-toggle span::after{ top:8px; }

.nav-toggle[aria-expanded="true"] span{ background:transparent; }

.nav-toggle[aria-expanded="true"] span::before{ top:0; transform:rotate(45deg); }

.nav-toggle[aria-expanded="true"] span::after{ top:0; transform:rotate(-45deg); }

.mobile-nav{
    display:none;
    position:fixed;
    inset:0;
    z-index:100;
  }

.mobile-nav.open{ display:block; }

.mobile-nav-backdrop{
    position:absolute;
    inset:0;
    background:rgba(13,30,32,0.45);
    opacity:0;
    transition:opacity .25s ease;
  }

.mobile-nav.open .mobile-nav-backdrop{ opacity:1; }

.mobile-nav-panel{
    position:absolute;
    top:0; right:0;
    height:100%;
    width:78%;
    max-width:320px;
    background:#fff;
    padding:24px;
    box-shadow:-10px 0 30px rgba(13,30,32,0.2);
    transform:translateX(100%);
    transition:transform .3s ease;
    display:flex;
    flex-direction:column;
  }

.mobile-nav.open .mobile-nav-panel{ transform:translateX(0); }

.mobile-nav-header{
    display:flex;
    align-items:center;
    justify-content:space-between;
    margin-bottom:28px;
  }

.mobile-nav-close{
    background:none;
    width:36px; height:36px;
    display:flex; align-items:center; justify-content:center;
    color: var(--navy);
    border-radius:50%;
  }

.mobile-nav-close:hover{ background: var(--sky); }

.mobile-nav-panel ul{
    display:flex;
    flex-direction:column;
    gap:4px;
  }

.mobile-nav-panel ul li a{
    display:block;
    padding:14px 4px;
    font-size:17px;
    font-weight:600;
    color: var(--navy);
    border-bottom:1px solid var(--border);
  }

.mobile-nav-panel ul li a:hover{ color: var(--blue); }

.mobile-nav-panel ul li a[aria-current="page"]{ color: var(--blue); }

.mobile-nav-panel .btn{
    margin-top:24px;
    width:100%;
  }

body.nav-locked{ overflow:hidden; }

.hero-section{
    position:relative;
    background: linear-gradient(180deg, #f2f9fa 0%, #eaf6f7 100%);
    overflow:hidden;
    padding-bottom:90px;
  }

.hero-wave{
    position:absolute;
    right:0;
    bottom:0;
    width:55%;
    z-index:0;
    opacity:0.9;
  }

.hero-grid{
    display:grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap:50px;
    align-items:center;
    padding-top:50px;
    position:relative;
    z-index:1;
  }

.hero-left h1{
    font-size:52px;
    font-weight:800;
    line-height:1.08;
    color: var(--navy);
  }

.hero-left .subhead{
    color: var(--blue);
    font-size:21px;
    font-weight:700;
    margin-top:18px;
  }

.hero-left p.desc{
    margin-top:16px;
    font-size:16px;
    color: var(--gray-600);
    max-width:440px;
  }

.hero-badges{
    display:flex;
    flex-wrap:wrap;
    gap:24px;
    margin-top:26px;
    font-size:14px;
    font-weight:600;
    color: var(--navy);
  }

.hero-badges span{
    display:flex;
    align-items:center;
    gap:10px;
  }

.hero-badges .icon-circle{
    width:30px; height:30px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.hero-left .btn-green{
    margin-top:30px;
    font-size:16px;
    padding:16px 34px;
  }

.hero-secure{
    display:flex;
    align-items:center;
    gap:8px;
    margin-top:16px;
    font-size:13px;
    color: var(--gray-500);
    font-weight:500;
  }

.how-it-works{
    padding:110px 0 70px;
    text-align:center;
  }

.how-it-works h2{
    font-size:32px;
    font-weight:700;
  }

.how-it-works > .container > p{
    color: var(--gray-500);
    margin-top:10px;
    font-size:16px;
  }

.steps{
    display:flex;
    align-items:flex-start;
    justify-content:center;
    gap:10px;
    margin-top:60px;
  }

.step{
    width:230px;
    position:relative;
  }

.step-icon-wrap{
    width:110px; height:110px;
    border-radius:50%;
    background: var(--sky);
    display:flex; align-items:center; justify-content:center;
    margin:0 auto 20px;
    position:relative;
    color: var(--navy);
  }

.step-num{
    position:absolute;
    top:-4px; left:50%;
    transform:translateX(28px);
    width:28px; height:28px;
    border-radius:50%;
    background: var(--blue);
    color:#fff;
    font-size:13px;
    font-weight:700;
    display:flex; align-items:center; justify-content:center;
  }

.step-check{
    position:absolute;
    bottom:2px; right:22px;
    width:24px; height:24px;
    border-radius:50%;
    background: var(--green);
    color:#fff;
    font-size:13px;
    display:flex; align-items:center; justify-content:center;
    border:2px solid #fff;
  }

.step h4{
    font-size:15px;
    font-weight:700;
    letter-spacing:0.5px;
    margin-bottom:10px;
  }

.step p{
    font-size:13.5px;
    color: var(--gray-500);
    padding:0 6px;
  }

.step-arrow{
    margin-top:45px;
    color:#a9c8ca;
    flex-shrink:0;
  }

.hero-eyebrow{
    font-size:13px;
    font-weight:700;
    letter-spacing:1.5px;
    color: var(--blue-dark);
    text-transform:uppercase;
    margin-bottom:14px;
  }

.hero-illustration{
    position:relative;
    z-index:1;
  }

.hero-illustration svg{
    width:100%;
    height:auto;
    display:block;
  }

.submit-flow{
    background: var(--sky);
    padding:50px 0 56px;
    margin:60px 0;
  }

.submit-flow h2{
    text-align:center;
    font-size:26px;
    font-weight:700;
    margin-bottom:40px;
  }

.submit-flow-track{
    display:flex;
    align-items:flex-start;
    justify-content:center;
    gap:0;
    flex-wrap:wrap;
  }

.submit-flow-step{
    width:150px;
    text-align:center;
    position:relative;
    padding:0 4px;
  }

.submit-flow-icon{
    width:64px; height:64px;
    border-radius:50%;
    background:#fff;
    display:flex; align-items:center; justify-content:center;
    margin:0 auto 14px;
    color: var(--navy);
    box-shadow:0 2px 8px rgba(60,94,96,0.1);
  }

.submit-flow-step p{
    font-size:13px;
    font-weight:600;
    color: var(--navy);
    line-height:1.4;
  }

.submit-flow-connector{
    width:36px;
    height:2px;
    border-top:2px dashed #b9d6d8;
    margin-top:32px;
    flex-shrink:0;
  }

@media (max-width: 900px){
    .submit-flow-connector{ display:none; }
    .submit-flow-step{ width:130px; }
  }

.info-cards{
    display:grid;
    grid-template-columns: repeat(3, 1fr);
    gap:24px;
    padding:0 24px 20px;
    max-width:1180px;
    margin:0 auto;
  }

.info-card{
    border:1px solid var(--border);
    border-radius:14px;
    padding:30px;
  }

.info-card h3{
    font-size:17px;
    font-weight:700;
    margin-bottom:18px;
  }

.info-card-icon{
    width:44px; height:44px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    margin-bottom:16px;
  }

.info-card-icon.is-navy{
    background: var(--navy);
    color:#fff;
  }

.info-card ul{
    display:flex;
    flex-direction:column;
    gap:12px;
  }

.info-card ul li{
    display:flex;
    align-items:flex-start;
    gap:10px;
    font-size:14px;
    color: var(--navy);
    font-weight:500;
    line-height:1.5;
  }

.info-card ul li .dot{
    width:18px; height:18px;
    border-radius:50%;
    background: var(--green);
    color:#fff;
    display:flex; align-items:center; justify-content:center;
    font-size:10px;
    flex-shrink:0;
    margin-top:1px;
  }

.info-card .note{
    margin-top:16px;
    font-size:12px;
    color: var(--gray-500);
    line-height:1.5;
  }

.info-card .clipboard-mini{
    width:76px;
    margin:0 0 16px;
  }

.info-card p{
    font-size:13.5px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:10px;
  }

.info-card p:last-child{ margin-bottom:0; }

.info-card p strong{ color: var(--navy); }

@media (max-width: 900px){
    .info-cards{ grid-template-columns:1fr; }
  }

.faq-link{
    display:inline-flex;
    align-items:center;
    gap:5px;
    margin-top:10px;
    color: var(--blue-dark);
    font-weight:700;
    font-size:13px;
  }

.qualify-section{
    max-width:900px;
    margin:56px auto 0;
    padding:0 24px;
    text-align:center;
  }

.qualify-section h2{
    font-size:26px;
    font-weight:700;
    color: var(--navy);
    margin-bottom:24px;
  }

.qualify-panel{
    text-align:left;
    border:1px solid var(--border);
    border-radius:14px;
    padding:32px;
  }

.qualify-panel p{
    font-size:14px;
    color: var(--gray-600);
    line-height:1.6;
  }

.checklist li{
    display:flex;
    align-items:center;
    gap:10px;
    font-size:14px;
    font-weight:600;
    color: var(--navy);
    margin-bottom:12px;
  }

.checklist .dot{
    width:19px; height:19px;
    border-radius:50%;
    background: var(--green);
    color:#fff;
    display:flex; align-items:center; justify-content:center;
    font-size:10px;
    flex-shrink:0;
  }

.timeline-item{
    display:flex;
    gap:14px;
    padding-bottom:20px;
    margin-bottom:20px;
    border-bottom:1px solid var(--border);
  }

.timeline-item:last-child{
    border-bottom:none;
    padding-bottom:0;
    margin-bottom:0;
  }

.timeline-icon{
    width:38px; height:38px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.timeline-item h4{
    font-size:14.5px;
    font-weight:700;
    color: var(--navy);
  }

.timeline-item .timeline-sub{
    font-size:12.5px;
    font-weight:700;
    color: var(--blue-dark);
    margin-bottom:4px;
  }

.timeline-item p{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.5;
  }

.split-section{
    display:grid;
    grid-template-columns: 1fr 1fr;
    gap:28px;
    padding:30px 0 60px;
  }

.panel{
    border:1px solid var(--border);
    border-radius:14px;
    padding:34px;
  }

.panel h3{
    font-size:20px;
    font-weight:700;
    margin-bottom:20px;
  }

.faq-item{
    border-bottom:1px solid var(--border);
  }

.faq-item:first-of-type{ border-top:1px solid var(--border); }

.faq-q{
    width:100%;
    background:none;
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:16px 4px;
    font-size:14.5px;
    font-weight:600;
    color: var(--navy);
    text-align:left;
  }

.faq-q .plus{
    font-size:20px;
    color: var(--blue);
    font-weight:400;
    transition: transform .2s ease;
  }

.faq-item.open .faq-q .plus{ transform: rotate(45deg); }

.faq-a{
    max-height:0;
    overflow:hidden;
    transition: max-height .25s ease;
    font-size:13.5px;
    color: var(--gray-600);
    padding:0 4px;
  }

.faq-item.open .faq-a{
    max-height:200px;
    padding-bottom:16px;
  }

.value-props{
    max-width:1180px;
    margin:70px auto 0;
    padding:0 24px;
    text-align:center;
  }

.value-props h2{
    font-size:26px;
    font-weight:700;
  }

.value-props > p{
    margin-top:8px;
    color: var(--gray-500);
    font-size:15px;
  }

.value-props-grid{
    display:grid;
    grid-template-columns: repeat(4, 1fr);
    gap:28px;
    margin-top:40px;
  }

.value-prop-icon{
    width:56px; height:56px;
    border-radius:50%;
    display:flex; align-items:center; justify-content:center;
    margin:0 auto 16px;
    color:#fff;
  }

.value-prop-icon.c-blue{ background: var(--blue); }

.value-prop-icon.c-green{ background:#3f9d6f; }

.value-prop-icon.c-purple{ background:#8a7fd0; }

.value-prop-icon.c-amber{ background:#e0ac52; }

.value-props-grid h4{
    font-size:16px;
    font-weight:700;
    margin-bottom:8px;
  }

.value-props-grid p{
    font-size:13.5px;
    color: var(--gray-600);
    line-height:1.55;
  }

@media (max-width: 900px){
    .value-props-grid{ grid-template-columns: repeat(2, 1fr); }
  }

@media (max-width: 560px){
    .value-props-grid{ grid-template-columns: 1fr; }
  }

.value-cards{
    max-width:1180px;
    margin:56px auto 0;
    padding:0 24px;
    display:grid;
    grid-template-columns: repeat(4, 1fr);
    gap:20px;
  }

.value-card{
    background: var(--sky);
    border-radius:14px;
    padding:26px;
  }

.value-card-icon{
    width:40px; height:40px;
    border-radius:50%;
    background:#fff;
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    margin-bottom:14px;
  }

.value-card h4{
    font-size:15px;
    font-weight:700;
    margin-bottom:8px;
  }

.value-card p{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.55;
    margin-bottom:10px;
  }

.value-card a{
    display:inline-flex;
    align-items:center;
    gap:5px;
    font-size:12.5px;
    font-weight:700;
    color: var(--blue-dark);
    margin-top:2px;
  }

.value-card a + a{ margin-left:12px; }

@media (max-width: 900px){
    .value-cards{ grid-template-columns: repeat(2, 1fr); }
  }

@media (max-width: 560px){
    .value-cards{ grid-template-columns: 1fr; }
  }

.promise-band{
    max-width:1180px;
    margin:70px auto 0;
    padding:0 24px;
  }

.promise-inner{
    background: var(--sky);
    border-radius:18px;
    display:grid;
    grid-template-columns: 1.2fr 1fr;
    align-items:center;
    overflow:hidden;
  }

.promise-text{
    padding:44px;
  }

.promise-icon{
    width:48px; height:48px;
    border-radius:50%;
    background: var(--navy);
    color:#fff;
    display:flex; align-items:center; justify-content:center;
    margin-bottom:18px;
  }

.promise-text h5{
    font-size:12px;
    font-weight:700;
    letter-spacing:0.5px;
    color: var(--blue-dark);
    text-transform:uppercase;
    margin-bottom:6px;
  }

.promise-text h3{
    font-size:26px;
    font-weight:700;
    margin-bottom:14px;
  }

.promise-text p{
    font-size:14px;
    color: var(--gray-600);
    line-height:1.65;
    margin-bottom:10px;
  }

.promise-text p strong{ color: var(--navy); }

.promise-visual{
    height:100%;
    min-height:280px;
    display:flex;
    align-items:center;
    justify-content:center;
    padding:20px;
  }

.promise-visual svg{ width:100%; height:auto; max-width:280px; }

@media (max-width: 800px){
    .promise-inner{ grid-template-columns:1fr; }
    .promise-visual{ order:-1; min-height:220px; }
  }

.important-info{
    max-width:1180px;
    margin:56px auto 60px;
    padding:0 24px;
  }

.important-info-inner{
    display:flex;
    gap:20px;
    border:1px solid var(--border);
    border-radius:14px;
    padding:30px 34px;
  }

.important-info-icon{
    width:36px; height:36px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.important-info h4{
    font-size:15px;
    font-weight:700;
    margin-bottom:10px;
  }

.important-info p{
    font-size:12.5px;
    color: var(--gray-600);
    line-height:1.7;
  }

.cta-banner{
    background: var(--navy);
    border-radius:16px;
    margin:0 auto 60px;
    max-width:1180px;
    padding:38px 48px;
    display:flex;
    align-items:center;
    justify-content:space-between;
  }

.cta-banner-left{
    display:flex;
    align-items:center;
    gap:20px;
  }

.cta-logo{
    width:56px; height:56px;
    border-radius:50%;
    background: #ffffff;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.cta-logo img{
    width:34px;
    height:auto;
    display:block;
  }

.cta-banner h3{
    color:#fff;
    font-size:22px;
    font-weight:700;
  }

.cta-banner p{
    color:#b7d3d5;
    font-size:14px;
    margin-top:4px;
  }

.cta-banner-right{ text-align:center; }

.cta-banner-right .btn{ font-size:15px; padding:15px 30px; }

.cta-banner-right .badges{
    margin-top:10px;
    font-size:12px;
    color:#b7d3d5;
    font-weight:600;
    letter-spacing:0.3px;
  }

footer{
    padding:50px 0 30px;
    border-top:1px solid var(--border);
  }

.footer-grid{
    display:grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr 1.1fr;
    gap:30px;
    padding-bottom:36px;
  }

.footer-logo-img{
    height:44px;
    width:auto;
    margin-bottom:6px;
  }

.footer-grid p{
    font-size:13px;
    color: var(--gray-500);
    margin-top:14px;
    line-height:1.6;
    max-width:260px;
  }

.footer-col h5{
    font-size:12.5px;
    font-weight:700;
    letter-spacing:0.5px;
    color: var(--navy);
    margin-bottom:16px;
  }

.footer-col ul li{
    margin-bottom:10px;
  }

.footer-col ul li a{
    font-size:13.5px;
    color: var(--gray-600);
  }

.footer-col ul li a:hover{ color: var(--blue); }

.footer-cta{
    background: var(--sky);
    border-radius:12px;
    padding:20px;
  }

.footer-cta h5{
    font-size:14px;
    font-weight:700;
    margin-bottom:6px;
  }

.footer-cta p{
    font-size:12.5px;
    color: var(--gray-600);
    margin:0 0 14px;
  }

.footer-cta .btn{
    width:100%;
    font-size:13px;
    padding:12px 0;
  }

.footer-legal{
    font-size:11px;
    color: var(--gray-500);
    line-height:1.7;
    padding-top:24px;
    border-top:1px solid var(--border);
    display:flex;
    justify-content:space-between;
    gap:30px;
    align-items:flex-start;
  }

.footer-legal .disclaimers{ max-width:100%; }

@media (max-width: 980px){
    nav{ display:none; }
    .nav-toggle{ display:flex; }
    .hero-grid{ grid-template-columns:1fr; }
    .hero-left h1{ font-size:38px; }
    .steps{ flex-direction:column; align-items:center; gap:40px; }
    .step-arrow{ transform:rotate(90deg); margin:0; }
    .split-section{ grid-template-columns:1fr; }
    .footer-grid{ grid-template-columns: 1fr 1fr; }
    .cta-banner{ flex-direction:column; gap:24px; text-align:center; margin:0 20px 40px; }
    .cta-banner-left{ flex-direction:column; }
    .footer-legal{ flex-direction:column; }
  }

@media (max-width: 560px){
    .hero-left h1{ font-size:32px; }
    .footer-grid{ grid-template-columns: 1fr; }
    header.container{ padding:16px 0; }
    .logo-img{ height:44px; }
    .header-cta{ display:none; }
  }

:root{
  --navy:#07516a;
  --navy-2:#0b6380;
  --blue:#28a9bd;
  --blue-dark:#1685a0;
  --sky:#e9f8fb;
  --sky-2:#d8f1f5;
  --sky-3:#f5fcfd;
  --green:#07516a;
  --green-dark:#063f53;
  --gray-600:#1b596d;
  --gray-500:#5e7f8a;
  --border:#dcecef;
  --white:#ffffff;
  --breezy-line:#e6f2f4;
  --breezy-shadow:0 18px 48px rgba(7,81,106,.10);
}

body{
  color:var(--navy);
  background:#fff;
}

.container{
  max-width:1180px;
}

.btn{
  min-height:48px;
  padding:0 30px;
  border-radius:999px;
  font-size:14px;
  letter-spacing:.1px;
  transition:transform .15s ease,filter .15s ease,box-shadow .15s ease;
}

.btn-blue,
.btn-green{
  color:#fff;
  background:linear-gradient(90deg,#1d9fb4,#28b4c9);
  box-shadow:0 10px 24px rgba(31,166,190,.18);
}

.btn-blue:hover,
.btn-green:hover{
  background:linear-gradient(90deg,#1d9fb4,#28b4c9);
  filter:brightness(.985);
  transform:translateY(-1px);
}

header.container{
  min-height:76px;
  padding:0 24px;
  position:sticky;
  top:0;
  z-index:50;
  background:#fff;
}

header.container::before{
  content:"";
  position:absolute;
  z-index:-1;
  top:0;
  bottom:0;
  left:50%;
  width:100vw;
  transform:translateX(-50%);
  background:#fff;
  border-bottom:1px solid #edf5f6;
}

.logo-img{
  width:205px;
  height:auto;
}

.nav-wrap{gap:28px}

nav ul{
  gap:28px;
  font-size:14px;
}

nav a:hover,
nav a[aria-current="page"]{color:var(--blue)}

.header-cta{
  min-height:44px;
  padding:0 24px;
}

.nav-toggle{
  width:44px;
  height:44px;
  padding:8px;
  margin:0;
  border-radius:10px;
}

.nav-toggle:hover{background:var(--sky)}

.mobile-nav-panel{
  max-width:340px;
  box-shadow:-14px 0 40px rgba(7,81,106,.18);
}

.mobile-nav-close{border-radius:10px}

.mobile-nav-panel ul li a{
  border-color:var(--border);
  font-size:16px;
}

.mobile-nav-panel ul li a:hover,
.mobile-nav-panel ul li a[aria-current="page"]{color:var(--blue)}

.hero-section{
  padding:0;
  background:linear-gradient(180deg,#f4fcfd 0%,#e7f7fa 100%);
}

.hero-wave{display:none}

.hero-grid{
  grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);
  gap:54px;
  min-height:500px;
  padding:48px 24px 52px;
}

.hero-left{max-width:620px}

.hero-eyebrow{
  margin-bottom:12px;
  color:#1685a0;
  font-size:11px;
  font-weight:700;
  letter-spacing:2.8px;
}

.hero-left h1{
  font-size:clamp(46px,5vw,64px);
  line-height:.99;
  letter-spacing:-1.8px;
}

.hero-left p.desc{
  max-width:565px;
  margin-top:20px;
  color:var(--gray-600);
  font-size:16px;
  line-height:1.6;
}

.hero-badges{
  gap:12px 18px;
  margin-top:24px;
  font-size:13px;
}

.hero-badges span{gap:8px}

.hero-badges .icon-circle{
  width:30px;
  height:30px;
  flex:0 0 30px;
  background:var(--sky-2);
  color:var(--navy);
}

.hero-left .btn-green{
  margin-top:26px;
  padding:0 30px;
  font-size:14px;
}

.hero-secure{
  margin-top:13px;
  color:var(--gray-500);
  font-size:12.5px;
}

.hero-illustration{
  width:100%;
  max-width:455px;
  justify-self:end;
  padding:18px;
  border:1px solid #e3f1f3;
  border-radius:28px;
  background:rgba(255,255,255,.74);
  box-shadow:var(--breezy-shadow);
}

.hero-illustration svg{
  width:100%;
  height:auto;
}

.info-cards{
  max-width:1180px;
  padding:42px 24px 10px;
  gap:20px;
}

.info-card{
  padding:28px;
  border:1px solid var(--breezy-line);
  border-radius:20px;
  background:#fff;
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.info-card-icon,
.info-card-icon[style]{
  width:56px !important;
  height:56px !important;
  margin-bottom:16px !important;
  border-radius:50% !important;
  background:var(--sky-2) !important;
  color:var(--navy) !important;
}

.info-card h3{
  margin-bottom:14px;
  font-size:20px;
  line-height:1.2;
}

.info-card p{
  margin-bottom:10px;
  color:var(--gray-600);
  font-size:13.5px;
  line-height:1.62;
}

.info-card p strong{color:var(--navy)}

.info-card ul{
  display:grid;
  gap:9px;
  margin:2px 0 10px;
}

.info-card ul li{
  position:relative;
  padding-left:18px;
  color:var(--navy);
  font-size:13px;
  font-weight:600;
  line-height:1.45;
}

.info-card ul li::before{
  content:"";
  position:absolute;
  top:.52em;
  left:2px;
  width:6px;
  height:6px;
  border-radius:50%;
  background:var(--blue);
}

.faq-link,
.info-card .faq-link[style]{
  color:var(--blue-dark) !important;
  font-size:12.75px;
  font-weight:700;
}

.value-props{
  max-width:1180px;
  margin:58px auto 0;
  padding:0 24px;
}

.value-props h2{
  font-size:clamp(28px,3vw,38px);
  line-height:1.08;
}

.value-props > p{
  margin-top:9px;
  color:var(--gray-500);
  font-size:14.5px;
}

.value-props-grid{
  grid-template-columns:repeat(4,1fr);
  gap:16px;
  margin-top:30px;
}

.value-props-grid > div{
  padding:24px 20px;
  border:1px solid var(--breezy-line);
  border-radius:18px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 10px 30px rgba(12,84,105,.035);
}

.value-prop-icon,
.value-prop-icon.c-blue,
.value-prop-icon.c-green,
.value-prop-icon.c-purple,
.value-prop-icon.c-amber{
  width:56px;
  height:56px;
  margin:0 auto 14px;
  background:var(--sky-2);
  color:var(--navy);
}

.value-props-grid h4{
  margin-bottom:7px;
  font-size:15px;
}

.value-props-grid p{
  color:var(--gray-600);
  font-size:13px;
  line-height:1.55;
}

.value-cards{
  max-width:1180px;
  margin:22px auto 0;
  padding:0 24px;
  grid-template-columns:repeat(4,1fr);
  gap:16px;
}

.value-card{
  padding:24px;
  border:1px solid var(--breezy-line);
  border-radius:18px;
  background:#fff;
  box-shadow:0 10px 30px rgba(12,84,105,.035);
}

.value-card-icon{
  width:44px;
  height:44px;
  margin-bottom:14px;
  background:var(--sky-2);
  color:var(--navy);
}

.value-card h4{
  margin-bottom:8px;
  font-size:15px;
}

.value-card p{
  margin-bottom:10px;
  color:var(--gray-600);
  font-size:12.75px;
  line-height:1.58;
}

.value-card a{
  color:var(--blue-dark);
  font-size:12.25px;
  font-weight:700;
}

.qualify-section{
  max-width:960px;
  margin:58px auto 0;
  padding:0 24px;
}

.qualify-section h2{
  margin-bottom:22px;
  font-size:clamp(28px,3vw,36px);
  line-height:1.12;
}

.qualify-panel{
  padding:30px;
  border:1px solid var(--breezy-line);
  border-radius:20px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.qualify-panel p{
  color:var(--gray-600);
  font-size:13.5px;
  line-height:1.62;
}

.qualify-panel .checklist{
  gap:9px 24px !important;
}

.checklist li{
  margin-bottom:0;
  color:var(--navy);
  font-size:13px;
}

.checklist .dot{
  width:21px;
  height:21px;
  flex:0 0 21px;
  background:var(--navy);
  font-size:10px;
}

.promise-band{
  max-width:1180px;
  margin:58px auto 0;
  padding:0 24px;
}

.promise-inner{
  grid-template-columns:1.12fr .88fr;
  border:1px solid #dceef1;
  border-radius:22px;
  background:linear-gradient(180deg,#f5fcfd,#eaf8fa);
  box-shadow:0 12px 34px rgba(12,84,105,.05);
}

.promise-text{
  padding:42px;
}

.promise-icon{
  width:54px;
  height:54px;
  margin-bottom:17px;
  background:var(--navy);
}

.promise-text h5{
  margin-bottom:6px;
  color:var(--blue-dark);
  font-size:11px;
  letter-spacing:1.2px;
}

.promise-text h3{
  margin-bottom:12px;
  font-size:clamp(24px,2.5vw,31px);
  line-height:1.15;
}

.promise-text p{
  margin-bottom:10px;
  color:var(--gray-600);
  font-size:13.5px;
  line-height:1.65;
}

.promise-visual{
  min-height:260px;
  padding:24px;
}

.promise-visual svg{
  max-width:260px;
}

.cta-banner{
  max-width:1180px;
  margin:28px auto 38px;
  padding:34px 42px;
  border-radius:20px;
  background:linear-gradient(90deg,#176876,#0d566b);
  box-shadow:0 16px 38px rgba(7,81,106,.12);
}

.cta-banner-left{gap:18px}

.cta-logo{
  width:58px;
  height:58px;
  flex:0 0 58px;
}

.cta-banner h3{
  margin-bottom:3px;
  font-size:22px;
}

.cta-banner p{
  margin-top:0;
  color:#c7e9ed;
  font-size:13.5px;
}

.cta-banner-right .btn{
  min-height:48px;
  padding:0 30px;
  font-size:14px;
}

.cta-banner-right .badges{
  margin-top:9px;
  color:#bee1e6;
  font-size:11.5px;
}

.important-info{
  max-width:1000px;
  margin:0 auto 54px;
  padding:0 24px;
}

.important-info-inner{
  gap:16px;
  padding:24px 26px;
  border:1px solid var(--breezy-line);
  border-radius:18px;
  background:#fff;
  box-shadow:0 10px 30px rgba(12,84,105,.035);
}

.important-info-icon{
  width:42px;
  height:42px;
  flex:0 0 42px;
  background:var(--sky-2);
  color:var(--navy);
}

.important-info h4{
  margin-bottom:8px;
  font-size:15px;
}

.important-info p{
  color:var(--gray-600);
  font-size:11.75px;
  line-height:1.72;
}

footer{
  padding:34px 0 22px;
  border-top:1px solid var(--border);
}

.footer-grid{
  grid-template-columns:1.45fr .8fr .9fr .8fr 1.05fr;
  gap:28px;
  padding-bottom:30px;
}

.footer-logo-img{
  width:190px;
  height:auto;
}

.footer-grid p{
  max-width:270px;
  margin-top:13px;
  color:#406f7c;
  font-size:12.5px;
}

.footer-col h5,
.footer-cta h5{
  margin-bottom:10px;
  font-size:12.5px;
}

.footer-col ul li{margin-bottom:7px}

.footer-col ul li a{
  color:#406f7c;
  font-size:12.5px;
}

.footer-col ul li a:hover{color:var(--blue)}

.footer-cta{
  padding:18px;
  border-radius:16px;
  background:var(--sky);
}

.footer-cta p{
  margin:0 0 13px;
  color:#406f7c;
  font-size:12px;
}

.footer-cta .btn{
  min-height:42px;
  padding:0 14px;
  font-size:12px;
}

.footer-legal{
  padding-top:22px;
  gap:28px;
  border-top:1px solid var(--border);
  color:#6b8a93;
  font-size:10.5px;
  line-height:1.65;
}

.footer-legal .disclaimers{max-width:100%}

@media(max-width:980px){
  .hero-grid{
    grid-template-columns:1fr;
    gap:18px;
    min-height:auto;
    padding:40px 24px 44px;
  }
  .hero-left{max-width:720px}
  .hero-illustration{
    justify-self:start;
    max-width:490px;
    margin-top:6px;
  }
  .value-props-grid{grid-template-columns:repeat(2,1fr)}
  .value-cards{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:800px){
  .promise-inner{grid-template-columns:1fr}
  .promise-visual{
    order:0;
    min-height:210px;
    padding-top:0;
  }
}

@media(max-width:600px){
  header.container{
    min-height:70px;
    padding:0 12px;
  }
  .logo-img{
    width:180px;
    height:auto;
  }

  .hero-grid{padding:32px 12px 36px}
  .hero-left h1{
    font-size:clamp(38px,12vw,50px);
    letter-spacing:-1.25px;
  }
  .hero-left p.desc{font-size:14.5px}
  .hero-badges{
    gap:9px 12px;
    font-size:12px;
  }
  .hero-illustration{
    padding:12px;
    border-radius:20px;
  }

  .info-cards{
    padding:28px 12px 8px;
    gap:12px;
  }
  .info-card{
    padding:22px 18px;
    border-radius:18px;
  }

  .value-props{
    margin-top:42px;
    padding:0 12px;
  }
  .value-props-grid{
    grid-template-columns:1fr;
    gap:10px;
    margin-top:22px;
  }
  .value-props-grid > div{
    padding:20px 18px;
    border-radius:16px;
  }

  .value-cards{
    grid-template-columns:1fr;
    gap:10px;
    margin-top:12px;
    padding:0 12px;
  }
  .value-card{
    padding:20px 18px;
    border-radius:16px;
  }

  .qualify-section{
    margin-top:42px;
    padding:0 12px;
  }
  .qualify-panel{
    padding:22px 18px;
    border-radius:18px;
  }
  .qualify-panel .checklist{
    grid-template-columns:1fr !important;
  }

  .promise-band{
    margin-top:42px;
    padding:0 12px;
  }
  .promise-inner{border-radius:18px}
  .promise-text{padding:26px 20px}
  .promise-visual{min-height:190px}

  .cta-banner{
    margin:20px 12px 30px;
    padding:28px 20px;
    flex-direction:column;
    align-items:flex-start;
    gap:24px;
    text-align:left;
  }
  .cta-banner-left{
    flex-direction:row;
    align-items:center;
  }
  .cta-banner-right{
    width:100%;
    text-align:center;
  }
  .cta-banner-right .btn{width:100%}

  .important-info{
    margin-bottom:38px;
    padding:0 12px;
  }
  .important-info-inner{
    padding:20px 18px;
    border-radius:16px;
  }

  .footer-grid{
    grid-template-columns:1fr 1fr;
    gap:24px 18px;
  }
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

@media(max-width:390px){
  .footer-grid{grid-template-columns:1fr}
  .footer-logo,
  .footer-cta{grid-column:auto}
}

html{ scroll-behavior:smooth; }

.help-section{
    max-width:1180px;
    margin:0 auto;
    padding:0 24px 20px;
    text-align:center;
  }

.help-section h2{
    font-size:28px;
    font-weight:700;
  }

.help-section > p{
    margin-top:8px;
    color: var(--gray-500);
    font-size:15px;
  }

.help-cards{
    display:grid;
    grid-template-columns: repeat(4, 1fr);
    gap:20px;
    margin-top:36px;
    text-align:left;
  }

.help-card{
    border:1px solid var(--border);
    border-radius:14px;
    padding:28px 24px;
  }

.help-card-icon{
    width:44px; height:44px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    margin-bottom:16px;
  }

.help-card h4{
    font-size:15.5px;
    font-weight:700;
    margin-bottom:8px;
  }

.help-card p{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.55;
    margin-bottom:14px;
  }

.help-card a{
    display:inline-flex;
    align-items:center;
    gap:5px;
    font-size:12.5px;
    font-weight:700;
    color: var(--blue-dark);
  }

@media (max-width: 900px){
    .help-cards{ grid-template-columns: repeat(2, 1fr); }
  }

@media (max-width: 560px){
    .help-cards{ grid-template-columns: 1fr; }
  }

.contact-form-section{
    max-width:1180px;
    margin:64px auto 0;
    padding:0 24px;
    display:grid;
    grid-template-columns: 1.3fr 1fr;
    gap:32px;
    align-items:start;
  }

.contact-form-panel{
    border:1px solid var(--border);
    border-radius:16px;
    padding:38px;
  }

.contact-form-panel h2{
    font-size:24px;
    font-weight:700;
    margin-bottom:6px;
  }

.contact-form-panel > p{
    font-size:14px;
    color: var(--gray-500);
    margin-bottom:26px;
  }

.form-row{
    display:grid;
    grid-template-columns: 1fr 1fr;
    gap:16px;
  }

.form-field{
    margin-bottom:18px;
  }

.form-field label{
    display:block;
    font-size:13px;
    font-weight:700;
    color: var(--navy);
    margin-bottom:6px;
  }

.form-field input,
  .form-field select,
  .form-field textarea{
    width:100%;
    padding:12px 14px;
    border:1.5px solid var(--border);
    border-radius:9px;
    font-family:inherit;
    font-size:14px;
    color: var(--navy);
    background: var(--sky);
  }

.form-field input:focus,
  .form-field select:focus,
  .form-field textarea:focus{
    outline:none;
    border-color: var(--blue);
    background:#fff;
  }

.form-field textarea{
    min-height:120px;
    resize:vertical;
    font-family:inherit;
  }

.form-disclosure{
    font-size:12px;
    color: var(--gray-500);
    line-height:1.5;
    margin-top:14px;
  }

.form-success{
    display:none;
    background: var(--sky);
    border-radius:10px;
    padding:16px 18px;
    font-size:13.5px;
    color: var(--navy);
    font-weight:600;
    margin-top:16px;
    align-items:center;
    gap:10px;
  }

.form-success.show{ display:flex; }

.contact-illustration{
    background: var(--sky);
    border-radius:16px;
    padding:34px;
    height:100%;
    display:flex;
    flex-direction:column;
    align-items:center;
    justify-content:center;
    text-align:center;
  }

.contact-illustration svg{ width:100%; max-width:200px; height:auto; margin-bottom:18px; }

.contact-illustration h4{
    font-size:16px;
    font-weight:700;
    margin-bottom:8px;
  }

.contact-illustration p{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.55;
  }

@media (max-width: 800px){
    .contact-form-section{ grid-template-columns:1fr; }
    .contact-illustration{ order:-1; padding:26px; }
    .form-row{ grid-template-columns:1fr; }
  }

.existing-loan{
    max-width:1180px;
    margin:56px auto 0;
    padding:0 24px;
  }

.existing-loan-inner{
    background:#fdf3f0;
    border:1px solid #f0d9d0;
    border-radius:16px;
    padding:34px;
    display:flex;
    gap:22px;
  }

.existing-loan-icon{
    width:48px; height:48px;
    border-radius:50%;
    background:#fff;
    color:#c26848;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.existing-loan h3{
    font-size:19px;
    font-weight:700;
    margin-bottom:4px;
  }

.existing-loan .subhead{
    font-size:14px;
    font-weight:700;
    color:#c26848;
    margin-bottom:12px;
  }

.existing-loan p{
    font-size:13.5px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:12px;
  }

.existing-loan-grid{
    display:grid;
    grid-template-columns: repeat(4, 1fr);
    gap:8px 20px;
    margin:14px 0;
  }

.existing-loan-grid div{
    display:flex;
    align-items:center;
    gap:7px;
    font-size:13px;
    font-weight:600;
    color: var(--navy);
  }

.existing-loan-grid div::before{
    content:"";
    width:5px; height:5px;
    border-radius:50%;
    background:#c26848;
    flex-shrink:0;
  }

@media (max-width: 700px){
    .existing-loan-inner{ flex-direction:column; }
    .existing-loan-grid{ grid-template-columns: repeat(2, 1fr); }
  }

.privacy-reassurance{
    max-width:700px;
    margin:64px auto 0;
    padding:0 24px;
    text-align:center;
  }

.privacy-reassurance h2{
    font-size:24px;
    font-weight:700;
    margin-bottom:10px;
  }

.privacy-reassurance p{
    font-size:14px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:20px;
  }

.privacy-reassurance .links{
    display:flex;
    justify-content:center;
    gap:14px;
    flex-wrap:wrap;
  }

.privacy-reassurance .links a{
    font-size:13.5px;
    font-weight:700;
    color: var(--blue-dark);
  }

.container{max-width:1180px}

.hero-grid{
  grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);
  gap:54px;
  min-height:490px;
  padding:48px 24px 50px;
}

.hero-left{max-width:610px}

.hero-left p.desc{
  max-width:560px;
  margin-top:20px;
  color:var(--gray-600);
  font-size:16px;
  line-height:1.6;
}

.help-section{
  max-width:1180px;
  padding:54px 24px 14px;
}

.help-section h2{
  font-size:clamp(28px,3vw,38px);
  line-height:1.08;
}

.help-section > p{
  margin-top:9px;
  color:var(--gray-500);
  font-size:14.5px;
}

.help-cards{
  grid-template-columns:repeat(4,1fr);
  gap:16px;
  margin-top:30px;
}

.help-card{
  display:flex;
  flex-direction:column;
  padding:24px 20px;
  border:1px solid var(--breezy-line);
  border-radius:18px;
  background:#fff;
  box-shadow:0 10px 30px rgba(12,84,105,.035);
}

.help-card-icon{
  width:52px;
  height:52px;
  margin-bottom:15px;
  background:var(--sky-2);
  color:var(--navy);
}

.help-card h4{
  margin-bottom:7px;
  font-size:15px;
}

.help-card p{
  flex:1;
  margin-bottom:14px;
  color:var(--gray-600);
  font-size:12.75px;
  line-height:1.58;
}

.help-card a{
  color:var(--blue-dark);
  font-size:12.5px;
  font-weight:700;
}

.contact-form-section{
  max-width:1180px;
  margin:38px auto 0;
  padding:0 24px;
  grid-template-columns:minmax(0,1.18fr) minmax(300px,.82fr);
  gap:24px;
}

.contact-form-panel{
  padding:34px;
  border:1px solid var(--breezy-line);
  border-radius:22px;
  background:#fff;
  box-shadow:var(--breezy-shadow);
}

.contact-form-panel h2{
  margin-bottom:7px;
  font-size:clamp(24px,2.6vw,30px);
}

.contact-form-panel > p{
  margin-bottom:24px;
  color:var(--gray-500);
  font-size:13.5px;
  line-height:1.55;
}

.form-row{gap:14px}

.form-field{margin-bottom:17px}

.form-field label{
  margin-bottom:7px;
  color:var(--navy);
  font-size:12.75px;
}

.form-field input,
.form-field select,
.form-field textarea{
  min-height:48px;
  padding:12px 14px;
  border:1px solid var(--border);
  border-radius:12px;
  color:var(--navy);
  background:var(--sky-3);
  transition:border-color .15s ease,background .15s ease,box-shadow .15s ease;
}

.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus{
  border-color:var(--blue);
  background:#fff;
  box-shadow:0 0 0 3px rgba(40,169,189,.10);
}

.form-field textarea{
  min-height:140px;
  line-height:1.55;
}

.contact-form-panel .btn{
  min-height:50px;
  padding:0 30px;
}

.form-disclosure{
  margin-top:13px;
  padding:12px 14px;
  border:1px solid #e3eff1;
  border-radius:12px;
  background:var(--sky-3);
  color:var(--gray-500);
  font-size:11.75px;
  line-height:1.55;
}

.form-success{
  padding:14px 16px;
  border:1px solid #d9ecef;
  border-radius:12px;
  background:var(--sky);
  color:var(--navy);
  font-size:13px;
}

.contact-illustration{
  min-height:100%;
  padding:34px 28px;
  border:1px solid #dceef1;
  border-radius:22px;
  background:linear-gradient(180deg,#f5fcfd,#eaf8fa);
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.contact-illustration svg{
  max-width:210px;
  margin-bottom:20px;
}

.contact-illustration h4{
  margin-bottom:7px;
  font-size:17px;
}

.contact-illustration p{
  max-width:270px;
  color:var(--gray-600);
  font-size:13px;
  line-height:1.58;
}

.existing-loan{
  max-width:1000px;
  margin:42px auto 0;
  padding:0 24px;
}

.existing-loan-inner{
  gap:18px;
  padding:28px;
  border:1px solid #efdeda;
  border-radius:20px;
  background:#fff8f6;
  box-shadow:0 10px 30px rgba(124,74,63,.035);
}

.existing-loan-icon{
  width:50px;
  height:50px;
  flex:0 0 50px;
  background:#fff;
  color:#a9634d;
  box-shadow:0 6px 16px rgba(124,74,63,.05);
}

.existing-loan .subhead{
  margin-bottom:5px;
  color:#a9634d;
  font-size:11px;
  letter-spacing:1.1px;
}

.existing-loan h3{
  margin-bottom:9px;
  font-size:19px;
  line-height:1.25;
}

.existing-loan p{
  margin-bottom:11px;
  color:var(--gray-600);
  font-size:13px;
  line-height:1.62;
}

.existing-loan-grid{
  grid-template-columns:repeat(4,1fr);
  gap:9px 18px;
  margin:15px 0;
}

.existing-loan-grid div{
  color:var(--navy);
  font-size:12.5px;
}

.existing-loan-grid div::before{
  width:6px;
  height:6px;
  background:#a9634d;
}

.qualify-section{
  max-width:930px;
  margin:46px auto 0;
  padding:0 24px;
}

.qualify-section h2{
  margin-bottom:20px;
  font-size:clamp(26px,2.8vw,34px);
  line-height:1.12;
}

.qualify-panel{
  padding:8px 28px !important;
  border:1px solid var(--breezy-line);
  border-radius:20px;
  background:#fff;
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.faq-list{border-top:0}

.faq-item:last-child{border-bottom:0}

.faq-q{
  min-height:58px;
  padding:15px 2px;
  color:var(--navy);
  font-size:14px;
}

.faq-q:hover{color:var(--blue)}

.faq-q .plus{
  width:30px;
  height:30px;
  flex:0 0 30px;
  border-radius:50%;
  background:var(--sky);
  color:var(--blue);
  display:grid;
  place-items:center;
  font-size:20px;
}

.faq-item.open .faq-q .plus{
  background:var(--sky-2);
}

.faq-a{
  padding:0 42px 0 2px;
  color:var(--gray-600);
  font-size:13px;
  line-height:1.6;
}

.faq-item.open .faq-a{
  max-height:260px;
  padding-bottom:17px;
}

.qualify-faq-link{
  color:var(--blue-dark);
  font-size:13px;
  font-weight:700;
}

.privacy-reassurance{
  max-width:760px;
  margin:44px auto 0;
  padding:0 24px;
}

.privacy-reassurance h2{
  margin-bottom:9px;
  font-size:clamp(24px,2.5vw,30px);
}

.privacy-reassurance p{
  margin-bottom:17px;
  color:var(--gray-600);
  font-size:13.5px;
  line-height:1.62;
}

.privacy-reassurance .links{gap:10px 18px}

.privacy-reassurance .links a{
  color:var(--blue-dark);
  font-size:12.75px;
}

.cta-banner{
  max-width:1180px;
  margin:44px auto 38px;
  padding:34px 42px;
  border-radius:20px;
  background:linear-gradient(90deg,#176876,#0d566b);
  box-shadow:0 16px 38px rgba(7,81,106,.12);
}

@media(max-width:980px){
  .hero-grid{
    grid-template-columns:1fr;
    gap:18px;
    min-height:auto;
    padding:40px 24px 44px;
  }
  .hero-left{max-width:720px}
  .hero-illustration{
    justify-self:start;
    max-width:490px;
    margin-top:6px;
  }
  .help-cards{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:800px){
  .contact-form-section{
    grid-template-columns:1fr;
    gap:14px;
  }
  .contact-illustration{
    order:-1;
    min-height:auto;
  }
}

@media(max-width:700px){
  .existing-loan-inner{flex-direction:column}
  .existing-loan-grid{grid-template-columns:repeat(2,1fr)}
}

@media(max-width:600px){
  header.container{
    min-height:70px;
    padding:0 12px;
  }
  .logo-img{
    width:180px;
    height:auto;
  }

  .hero-grid{padding:32px 12px 36px}
  .hero-left h1{
    font-size:clamp(38px,12vw,50px);
    letter-spacing:-1.25px;
  }
  .hero-left p.desc{font-size:14.5px}
  .hero-badges{
    gap:9px 12px;
    font-size:12px;
  }
  .hero-illustration{
    padding:12px;
    border-radius:20px;
  }

  .help-section{
    padding:38px 12px 8px;
  }
  .help-cards{
    grid-template-columns:1fr;
    gap:10px;
    margin-top:22px;
  }
  .help-card{
    padding:20px 18px;
    border-radius:16px;
  }

  .contact-form-section{
    margin-top:26px;
    padding:0 12px;
  }
  .contact-form-panel{
    padding:24px 18px;
    border-radius:18px;
  }
  .form-row{grid-template-columns:1fr}
  .contact-illustration{
    padding:24px 18px;
    border-radius:18px;
  }

  .existing-loan{
    margin-top:30px;
    padding:0 12px;
  }
  .existing-loan-inner{
    padding:22px 18px;
    border-radius:18px;
  }

  .qualify-section{
    margin-top:36px;
    padding:0 12px;
  }
  .qualify-panel{
    padding:6px 18px !important;
    border-radius:18px;
  }
  .faq-q{
    font-size:13.5px;
  }
  .faq-a{
    padding-right:28px;
    font-size:12.75px;
  }

  .privacy-reassurance{
    margin-top:36px;
    padding:0 12px;
  }

  .cta-banner{
    margin:36px 12px 30px;
    padding:28px 20px;
    flex-direction:column;
    align-items:flex-start;
    gap:24px;
    text-align:left;
  }
  .cta-banner-left{
    flex-direction:row;
    align-items:center;
  }
  .cta-banner-right{
    width:100%;
    text-align:center;
  }
  .cta-banner-right .btn{width:100%}

  .important-info{
    margin-bottom:38px;
    padding:0 12px;
  }
  .important-info-inner{
    padding:20px 18px;
    border-radius:16px;
  }

  .footer-grid{
    grid-template-columns:1fr 1fr;
    gap:24px 18px;
  }
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

:root{
  --navy:#07516a;
  --navy-2:#0b6380;
  --teal:#28a9bd;
  --teal-2:#55bfd0;
  --sky:#e9f8fb;
  --sky-2:#d8f1f5;
  --sky-3:#f5fcfd;
  --text:#1b596d;
  --muted:#5e7f8a;
  --line:#dcecef;
  --white:#fff;
  --shadow:0 18px 48px rgba(7,81,106,.10);
}

*{box-sizing:border-box}

html{scroll-behavior:smooth}

body{
  margin:0;
  font-family:"Inter",system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--navy);
  background:#fff;
  line-height:1.5;
  -webkit-font-smoothing:antialiased;
}

a{color:inherit;text-decoration:none}

button{font:inherit}

img,svg{display:block;max-width:100%}

ul{list-style:none;margin:0;padding:0}

h1,h2,h3,h4,h5{
  font-family:"Poppins",sans-serif;
  margin:0;
  color:var(--navy);
}

.container{
  width:min(1180px,calc(100% - 32px));
  margin:0 auto;
}

button{cursor:pointer}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  min-height:48px;
  padding:0 30px;
  border-radius:999px;
  font-weight:700;
  font-size:14px;
  letter-spacing:.1px;
  transition:transform .15s ease,filter .15s ease,box-shadow .15s ease;
}

.btn-blue,
.btn-green{
  background:linear-gradient(90deg,#1d9fb4,#28b4c9);
  color:#fff;
  box-shadow:0 10px 24px rgba(31,166,190,.18);
}

.btn:hover{
  filter:brightness(.98);
  transform:translateY(-1px);
}

header.container{
  min-height:76px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  position:sticky;
  top:0;
  z-index:50;
  background:#fff;
}

.logo{display:flex;align-items:center}

.logo-img{width:205px;height:auto}

.nav-wrap{display:flex;align-items:center;gap:28px}

nav ul{
  display:flex;
  align-items:center;
  gap:28px;
  font-size:14px;
  font-weight:600;
}

nav a:hover,
nav a:focus,
nav a[aria-current="page"]{color:var(--teal)}

.header-cta{min-height:44px;padding:0 24px}

.nav-toggle{
  display:none;
  border:0;
  background:transparent;
  width:44px;
  height:44px;
  padding:8px;
  align-items:center;
  justify-content:center;
  border-radius:10px;
}

.nav-toggle span{
  display:block;
  width:25px;
  height:2px;
  border-radius:2px;
  background:var(--navy);
  position:relative;
  transition:background .2s ease;
}

.nav-toggle span::before,
.nav-toggle span::after{
  content:"";
  position:absolute;
  left:0;
  width:25px;
  height:2px;
  border-radius:2px;
  background:var(--navy);
  transition:transform .25s ease,top .25s ease,opacity .2s ease;
}

.nav-toggle span::before{top:-8px}

.nav-toggle span::after{top:8px}

.nav-toggle[aria-expanded="true"] span{background:transparent}

.nav-toggle[aria-expanded="true"] span::before{top:0;transform:rotate(45deg)}

.nav-toggle[aria-expanded="true"] span::after{top:0;transform:rotate(-45deg)}

.mobile-nav.open{display:block}

.mobile-nav-backdrop{
  position:absolute;
  inset:0;
  background:rgba(7,45,58,.42);
}

.mobile-nav-panel{
  position:absolute;
  top:0;
  right:0;
  width:min(84%,340px);
  height:100%;
  background:#fff;
  padding:24px;
  box-shadow:-14px 0 40px rgba(7,81,106,.18);
  display:flex;
  flex-direction:column;
}

.mobile-nav-header{
  display:flex;
  align-items:center;
  justify-content:space-between;
  margin-bottom:24px;
}

.mobile-nav-close{
  width:40px;
  height:40px;
  border:0;
  border-radius:10px;
  background:transparent;
  color:var(--navy);
  display:grid;
  place-items:center;
}

.mobile-nav-close:hover{background:var(--sky)}

.mobile-nav-panel ul{display:grid;gap:2px}

.mobile-nav-panel li a{
  display:block;
  padding:14px 4px;
  border-bottom:1px solid var(--line);
  font-size:16px;
  font-weight:600;
}

.mobile-nav-panel li a:hover,
.mobile-nav-panel li a[aria-current="page"]{color:var(--teal)}

.mobile-nav-panel .btn{margin-top:22px;width:100%}

body.nav-locked{overflow:hidden}

.hero-section{
  position:relative;
  overflow:hidden;
  background:linear-gradient(180deg,#f4fcfd 0%,#e7f7fa 100%);
}

.hero-grid{
  display:grid;
  grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);
  gap:54px;
  align-items:center;
  min-height:500px;
  padding:48px 0 52px;
}

.hero-eyebrow{
  font-size:11px;
  letter-spacing:2.8px;
  text-transform:uppercase;
  font-weight:700;
  color:#1685a0;
  margin-bottom:12px;
}

.hero-left .desc{
  max-width:545px;
  margin:20px 0 0;
  color:var(--text);
  font-size:16px;
  line-height:1.6;
}

.hero-badges{
  display:flex;
  flex-wrap:wrap;
  gap:12px 18px;
  margin-top:24px;
  color:var(--navy);
  font-size:13px;
  font-weight:600;
}

.hero-badges > span{
  display:flex;
  align-items:center;
  gap:8px;
}

.icon-circle{
  width:30px;
  height:30px;
  border-radius:50%;
  background:#d8f1f5;
  color:var(--navy);
  display:grid;
  place-items:center;
  flex:0 0 30px;
}

.hero-left > .btn{margin-top:26px}

.hero-secure{
  display:flex;
  align-items:center;
  gap:7px;
  margin-top:13px;
  color:var(--muted);
  font-size:12.5px;
  font-weight:500;
}

.hero-illustration{
  width:100%;
  max-width:465px;
  justify-self:end;
  padding:20px;
  border:1px solid #e3f1f3;
  border-radius:28px;
  background:rgba(255,255,255,.72);
  box-shadow:var(--shadow);
}

.hero-illustration svg{width:100%;height:auto}

.how-it-works{
  padding:68px 0 42px;
  text-align:center;
  background:#fff;
}

.how-it-works h2{
  font-size:clamp(30px,3vw,40px);
  line-height:1.08;
}

.how-it-works > .container > p{
  margin:10px 0 0;
  color:var(--muted);
  font-size:15px;
}

.steps{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:16px;
  margin-top:34px;
  align-items:stretch;
}

.step{
  position:relative;
  min-width:0;
  padding:26px 20px 24px;
  border:1px solid #e6f2f4;
  border-radius:20px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  text-align:left;
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.step-icon-wrap{
  width:62px;
  height:62px;
  border-radius:50%;
  background:#d8f1f5;
  color:var(--navy);
  display:grid;
  place-items:center;
  margin-bottom:18px;
  position:relative;
}

.step-icon-wrap svg{width:30px;height:30px}

.step-num{
  position:absolute;
  top:-7px;
  right:-7px;
  width:25px;
  height:25px;
  border-radius:50%;
  background:var(--teal);
  color:#fff;
  display:grid;
  place-items:center;
  font-size:11px;
  font-weight:700;
  box-shadow:0 3px 8px rgba(31,166,190,.20);
}

.step-check{
  position:absolute;
  right:-4px;
  bottom:-3px;
  width:22px;
  height:22px;
  border-radius:50%;
  display:grid;
  place-items:center;
  background:var(--navy);
  color:#fff;
  border:2px solid #fff;
  font-size:11px;
}

.step h4{
  font-size:14px;
  letter-spacing:.35px;
  margin-bottom:8px;
}

.step p{
  margin:0;
  color:var(--text);
  font-size:13.25px;
  line-height:1.58;
}

.step-arrow{display:none}

.submit-flow{
  margin:26px 0 42px;
  background:transparent;
  padding:0;
}

.submit-flow .container{
  border:1px solid #e6f2f4;
  border-radius:22px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  padding:34px 30px 32px;
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.submit-flow h2{
  text-align:center;
  font-size:clamp(26px,2.6vw,34px);
  margin-bottom:28px;
}

.submit-flow-track{
  display:grid;
  grid-template-columns:1fr 28px 1fr 28px 1fr 28px 1fr;
  gap:8px;
  align-items:start;
}

.submit-flow-step{text-align:center;min-width:0}

.submit-flow-icon{
  width:58px;
  height:58px;
  border-radius:50%;
  display:grid;
  place-items:center;
  margin:0 auto 12px;
  background:#fff;
  color:var(--navy);
  border:1px solid var(--line);
  box-shadow:0 7px 18px rgba(7,81,106,.07);
}

.submit-flow-step.is-success .submit-flow-icon{
  background:#d8f1f5;
}

.submit-flow-step p{
  margin:0 auto;
  max-width:190px;
  color:var(--text);
  font-size:12.5px;
  font-weight:600;
  line-height:1.5;
}

.submit-flow-connector{
  width:100%;
  border-top:2px dashed #b9dce2;
  margin-top:28px;
}

.info-cards{
  width:min(1180px,calc(100% - 32px));
  margin:0 auto;
  padding:0 0 26px;
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:20px;
}

.info-card{
  min-width:0;
  border:1px solid #e6f2f4;
  border-radius:20px;
  padding:28px;
  background:#fff;
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.info-card-icon{
  width:56px;
  height:56px;
  border-radius:50%;
  display:grid;
  place-items:center;
  background:#d8f1f5;
  color:var(--navy);
  margin-bottom:16px;
}

.info-card-icon.is-navy{
  background:var(--navy);
  color:#fff;
}

.clipboard-mini{
  width:58px;
  height:66px;
  margin:0 0 14px;
}

.info-card h3{
  font-size:19px;
  line-height:1.2;
  margin-bottom:16px;
}

.info-card ul{display:grid;gap:11px}

.info-card li{
  display:flex;
  align-items:flex-start;
  gap:9px;
  color:var(--text);
  font-size:13.25px;
  font-weight:500;
  line-height:1.48;
}

.info-card .dot{
  width:20px;
  height:20px;
  flex:0 0 20px;
  border-radius:50%;
  display:grid;
  place-items:center;
  margin-top:1px;
  background:var(--navy);
  color:#fff;
}

.info-card p{
  margin:0 0 10px;
  color:var(--text);
  font-size:13.25px;
  line-height:1.58;
}

.info-card p:last-child{margin-bottom:0}

.info-card .note{
  margin-top:16px;
  color:var(--muted);
  font-size:12px;
}

.split-section{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:24px;
  padding:14px 0 54px;
  align-items:stretch;
}

.panel{
  border:1px solid var(--line);
  border-radius:20px;
  padding:30px;
  background:#fff;
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.panel > h3{
  font-size:clamp(22px,2vw,28px);
  line-height:1.15;
  margin-bottom:20px;
}

.timeline-item{
  display:grid;
  grid-template-columns:46px 1fr;
  gap:14px;
  padding:0 0 18px;
  margin:0 0 18px;
  border-bottom:1px solid var(--line);
}

.timeline-item:last-child{
  border-bottom:0;
  padding-bottom:0;
  margin-bottom:0;
}

.timeline-icon{
  width:44px;
  height:44px;
  border-radius:50%;
  background:#d8f1f5;
  color:var(--navy);
  display:grid;
  place-items:center;
}

.timeline-sub{
  margin-bottom:2px;
  color:var(--teal);
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:.45px;
}

.timeline-item h4{
  font-size:14px;
  margin-bottom:5px;
}

.timeline-item p{
  margin:0;
  color:var(--text);
  font-size:13px;
  line-height:1.55;
}

.faq-list{border-top:1px solid var(--line)}

.faq-item{border-bottom:1px solid var(--line)}

.faq-q{
  width:100%;
  border:0;
  background:transparent;
  color:var(--navy);
  padding:16px 2px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  text-align:left;
  font-size:14px;
  font-weight:600;
}

.faq-q:hover{color:var(--teal)}

.faq-q .plus{
  flex:0 0 auto;
  color:var(--teal);
  font-size:22px;
  font-weight:400;
  line-height:1;
  transition:transform .2s ease;
}

.faq-item.open .faq-q .plus{transform:rotate(45deg)}

.faq-a{
  max-height:0;
  overflow:hidden;
  padding:0 30px 0 2px;
  color:var(--text);
  font-size:13.25px;
  line-height:1.58;
  transition:max-height .25s ease,padding-bottom .25s ease;
}

.faq-item.open .faq-a{
  max-height:220px;
  padding-bottom:16px;
}

.qualify-faq-link{
  display:inline-block;
  margin-top:18px;
  color:var(--teal);
  font-size:13.5px;
  font-weight:700;
}

.qualify-faq-link:hover{text-decoration:underline}

.cta-banner{
  width:min(1180px,calc(100% - 32px));
  margin:0 auto 54px;
  padding:34px 42px;
  border-radius:20px;
  background:linear-gradient(90deg,#176876,#0d566b);
  color:#fff;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:28px;
  box-shadow:0 16px 38px rgba(7,81,106,.12);
}

.cta-banner-left{
  display:flex;
  align-items:center;
  gap:18px;
}

.cta-logo{
  width:58px;
  height:58px;
  flex:0 0 58px;
  border-radius:50%;
  background:#fff;
  display:grid;
  place-items:center;
}

.cta-logo img{width:34px;height:auto}

.cta-banner h3{
  color:#fff;
  font-size:22px;
  margin-bottom:3px;
}

.cta-banner p{
  margin:0;
  color:#c7e9ed;
  font-size:13.5px;
}

.cta-banner-right{text-align:center}

.cta-banner-right .btn{background:linear-gradient(90deg,#29b1c4,#53c5d4)}

.cta-banner-right .badges{
  margin-top:9px;
  color:#bee1e6;
  font-size:11.5px;
  font-weight:600;
}

footer{
  border-top:1px solid var(--line);
  padding:34px 0 22px;
}

.footer-grid{
  display:grid;
  grid-template-columns:1.45fr .8fr .9fr .8fr 1.05fr;
  gap:28px;
  padding-bottom:30px;
}

.footer-logo-img{width:190px;height:auto}

.footer-logo p{
  max-width:270px;
  margin:13px 0 0;
  color:#406f7c;
  font-size:12.5px;
  line-height:1.6;
}

.footer-col h5,
.footer-cta h5{
  font-size:12.5px;
  margin-bottom:10px;
}

.footer-col li a{
  display:block;
  margin:7px 0;
  color:#406f7c;
  font-size:12.5px;
}

.footer-col li a:hover{color:var(--teal)}

.footer-cta{
  border-radius:16px;
  padding:18px;
  background:var(--sky);
}

.footer-cta p{
  margin:0 0 13px;
  color:#406f7c;
  font-size:12px;
  line-height:1.5;
}

.footer-cta .btn{
  width:100%;
  min-height:42px;
  padding:0 14px;
  font-size:12px;
}

.footer-legal{
  padding-top:22px;
  border-top:1px solid var(--line);
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:28px;
  color:#6b8a93;
  font-size:10.5px;
  line-height:1.65;
}

.footer-legal p{margin:0}

@media(max-width:980px){
  nav{display:none}
  .nav-toggle{display:flex}
  .header-cta{display:none}

  .hero-grid{
    grid-template-columns:1fr;
    gap:18px;
    min-height:auto;
    padding:42px 0 44px;
  }
  .hero-left{max-width:720px}
  .hero-illustration{
    justify-self:start;
    max-width:500px;
    margin-top:8px;
  }

  .steps{grid-template-columns:repeat(2,1fr)}
  .submit-flow-track{
    grid-template-columns:repeat(2,1fr);
    gap:22px;
  }
  .submit-flow-connector{display:none}
  .info-cards{grid-template-columns:1fr}
  .split-section{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:600px){
  .container,
  .info-cards,
  .cta-banner{
    width:min(100% - 24px,560px);
  }
  header.container{min-height:70px}
  .logo-img{width:180px}

  .hero-grid{padding:34px 0 36px}
  .hero-left h1{
    font-size:clamp(38px,12vw,50px);
    letter-spacing:-1.25px;
  }
  .hero-left .desc{font-size:14.5px}
  .hero-badges{gap:9px 12px;font-size:12px}
  .hero-illustration{
    padding:12px;
    border-radius:20px;
  }

  .how-it-works{padding:48px 0 30px}
  .steps{
    grid-template-columns:1fr;
    gap:12px;
    margin-top:26px;
  }
  .step{
    display:grid;
    grid-template-columns:56px 1fr;
    column-gap:14px;
    padding:20px 18px;
  }
  .step-icon-wrap{
    grid-row:1 / span 2;
    width:54px;
    height:54px;
    margin:0;
  }
  .step-icon-wrap svg{width:27px;height:27px}
  .step h4{align-self:end}
  .step p{grid-column:2}

  .submit-flow{margin:18px 0 30px}
  .submit-flow .container{
    padding:26px 18px 24px;
    border-radius:18px;
  }
  .submit-flow-track{
    grid-template-columns:1fr;
    gap:18px;
  }
  .submit-flow-step{
    display:grid;
    grid-template-columns:50px 1fr;
    gap:13px;
    align-items:center;
    text-align:left;
  }
  .submit-flow-icon{
    width:48px;
    height:48px;
    margin:0;
  }
  .submit-flow-step p{
    max-width:none;
    margin:0;
  }

  .info-cards{gap:12px;padding-bottom:16px}
  .info-card{padding:22px 18px;border-radius:18px}
  .panel{padding:22px 18px;border-radius:18px}
  .split-section{gap:12px;padding:10px 0 36px}

  .cta-banner{
    padding:28px 20px;
    margin-bottom:38px;
    flex-direction:column;
    align-items:flex-start;
  }
  .cta-banner-right{
    width:100%;
    text-align:center;
  }
  .cta-banner-right .btn{width:100%}

  .footer-grid{grid-template-columns:1fr 1fr;gap:24px 18px}
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

:root{
  --navy:#07516a;
  --navy-2:#0b6380;
  --teal:#28a9bd;
  --teal-2:#55bfd0;
  --sky:#e9f8fb;
  --sky-2:#d8f1f5;
  --sky-3:#f5fcfd;
  --text:#1b596d;
  --muted:#5e7f8a;
  --line:#dcecef;
  --white:#ffffff;
  --shadow:0 18px 48px rgba(7,81,106,.10);
}

button,input{font:inherit}

h1,h2,h3,h4,h5{
  margin:0;
  font-family:"Poppins",sans-serif;
  color:var(--navy);
}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:9px;
  min-height:48px;
  padding:0 30px;
  border-radius:999px;
  font-size:14px;
  font-weight:700;
  letter-spacing:.1px;
  transition:transform .15s ease,filter .15s ease,box-shadow .15s ease,border-color .15s ease;
}

.btn:hover{transform:translateY(-1px);filter:brightness(.985)}

.btn-outline{
  background:#fff;
  color:var(--navy);
  border:1px solid var(--line);
  box-shadow:none;
}

.btn-outline:hover{
  border-color:var(--teal);
  filter:none;
}

.nav-toggle{
  display:none;
  width:44px;
  height:44px;
  border:0;
  border-radius:10px;
  background:transparent;
  padding:8px;
  align-items:center;
  justify-content:center;
}

.nav-toggle span::before,
.nav-toggle span::after{
  content:"";
  position:absolute;
  left:0;
  width:25px;
  height:2px;
  border-radius:2px;
  background:var(--navy);
  transition:transform .25s ease,top .25s ease;
}

.mobile-nav-panel{
  position:absolute;
  top:0;
  right:0;
  width:min(84%,340px);
  height:100%;
  padding:24px;
  background:#fff;
  box-shadow:-14px 0 40px rgba(7,81,106,.18);
  display:flex;
  flex-direction:column;
}

.mobile-nav-panel li a{
  display:block;
  padding:14px 4px;
  border-bottom:1px solid var(--line);
  color:var(--navy);
  font-size:16px;
  font-weight:600;
}

.mobile-nav-panel .btn{width:100%;margin-top:22px}

.hero-grid{
  display:grid;
  grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);
  gap:54px;
  align-items:center;
  min-height:475px;
  padding:46px 0 76px;
}

.hero-eyebrow{
  margin-bottom:12px;
  color:#1685a0;
  font-size:11px;
  font-weight:700;
  letter-spacing:2.8px;
  text-transform:uppercase;
}

.hero-left .subhead{
  margin-top:15px;
  color:var(--teal);
  font-size:19px;
  font-weight:700;
}

.hero-left .desc{
  max-width:555px;
  margin:19px 0 0;
  color:var(--text);
  font-size:16px;
  line-height:1.6;
}

.icon-circle{
  width:30px;
  height:30px;
  flex:0 0 30px;
  border-radius:50%;
  background:#d8f1f5;
  color:var(--navy);
  display:grid;
  place-items:center;
}

.hero-illustration{
  width:100%;
  max-width:455px;
  justify-self:end;
  padding:18px;
  border:1px solid #e3f1f3;
  border-radius:28px;
  background:rgba(255,255,255,.72);
  box-shadow:var(--shadow);
}

.faq-search-wrap{
  width:min(930px,calc(100% - 32px));
  margin:0 auto;
  padding:0 0 30px;
}

.faq-search-box{
  position:relative;
  z-index:3;
  margin-top:-44px;
  padding:26px 28px;
  border:1px solid #e4f0f2;
  border-radius:20px;
  background:#fff;
  box-shadow:var(--shadow);
}

.faq-search-box h2{
  margin-bottom:13px;
  font-size:18px;
}

.faq-search-input-row{position:relative}

.faq-search-input-row svg{
  position:absolute;
  left:16px;
  top:50%;
  transform:translateY(-50%);
  color:var(--muted);
}

#faqSearchInput{
  width:100%;
  min-height:50px;
  padding:12px 16px 12px 44px;
  border:1px solid var(--line);
  border-radius:12px;
  outline:0;
  color:var(--navy);
  background:var(--sky-3);
  font-size:14px;
  transition:border-color .15s ease,background .15s ease,box-shadow .15s ease;
}

#faqSearchInput:focus{
  border-color:var(--teal);
  background:#fff;
  box-shadow:0 0 0 3px rgba(40,169,189,.10);
}

.faq-pills{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  margin-top:14px;
}

.faq-pill{
  min-height:34px;
  padding:0 15px;
  border:1px solid transparent;
  border-radius:999px;
  background:var(--sky);
  color:var(--navy);
  font-size:12.5px;
  font-weight:700;
}

.faq-pill:hover{
  border-color:#bfe2e7;
  background:#dcf3f6;
}

.faq-no-results{
  display:none;
  width:min(900px,calc(100% - 32px));
  margin:18px auto;
  padding:28px 20px;
  border-radius:16px;
  background:var(--sky-3);
  color:var(--muted);
  text-align:center;
  font-size:14px;
}

.faq-no-results.show{display:block}

.category-cards{
  width:min(1180px,calc(100% - 32px));
  margin:0 auto;
  padding:12px 0 20px;
  display:grid;
  grid-template-columns:repeat(6,1fr);
  gap:10px;
}

.category-card{
  min-width:0;
  padding:17px 10px;
  border:1px solid #e4f0f2;
  border-radius:16px;
  background:#fff;
  text-align:center;
  box-shadow:0 8px 22px rgba(12,84,105,.035);
  transition:border-color .15s ease,transform .15s ease,box-shadow .15s ease;
}

.category-card:hover{
  border-color:#bfe2e7;
  transform:translateY(-1px);
  box-shadow:0 12px 26px rgba(12,84,105,.07);
}

.category-card-icon{
  width:42px;
  height:42px;
  margin:0 auto 10px;
  border-radius:50%;
  background:#d8f1f5;
  color:var(--navy);
  display:grid;
  place-items:center;
}

.category-card h4{
  margin-bottom:4px;
  font-size:12px;
  line-height:1.25;
}

.category-card p{
  margin:0;
  color:var(--muted);
  font-size:10.5px;
  line-height:1.35;
}

.faq-category{
  width:min(930px,calc(100% - 32px));
  margin:18px auto 0;
  padding:28px 30px 8px;
  scroll-margin-top:96px;
  border:1px solid #e6f2f4;
  border-radius:20px;
  background:#fff;
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.faq-category-heading{
  display:flex;
  align-items:center;
  gap:11px;
  margin-bottom:12px;
}

.faq-category-heading .cat-icon{
  width:40px;
  height:40px;
  flex:0 0 40px;
  border-radius:50%;
  background:#d8f1f5;
  color:var(--navy);
  display:grid;
  place-items:center;
}

.faq-category-heading h3{
  color:#1685a0;
  font-size:12px;
  font-weight:800;
  letter-spacing:1.25px;
  text-transform:uppercase;
}

.faq-q{
  width:100%;
  min-height:58px;
  padding:15px 2px;
  border:0;
  background:transparent;
  color:var(--navy);
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:22px;
  text-align:left;
  font-size:14.5px;
  font-weight:600;
  line-height:1.4;
}

.faq-q .plus{
  width:30px;
  height:30px;
  flex:0 0 30px;
  border-radius:50%;
  background:var(--sky);
  color:var(--teal);
  display:grid;
  place-items:center;
  font-size:20px;
  font-weight:400;
  line-height:1;
  transition:transform .2s ease,background .15s ease;
}

.faq-item.open .faq-q .plus{
  transform:rotate(45deg);
  background:#d8f1f5;
}

.faq-a{
  max-height:0;
  overflow:hidden;
  padding:0 44px 0 2px;
  color:var(--text);
  font-size:13.4px;
  line-height:1.62;
  transition:max-height .28s ease,padding-bottom .2s ease;
}

.faq-item.open .faq-a{
  max-height:1100px;
  padding-bottom:18px;
}

.faq-a p{margin:0 0 10px}

.faq-a p:last-child{margin-bottom:0}

.faq-a strong{color:var(--navy)}

.faq-a a{
  color:var(--teal);
  font-weight:700;
}

.faq-a ul{
  margin:8px 0 12px;
  padding:0;
}

.faq-a ul li{
  display:flex;
  align-items:flex-start;
  gap:9px;
  margin-bottom:7px;
}

.faq-a ul li::before{
  content:"";
  width:6px;
  height:6px;
  flex:0 0 6px;
  margin-top:7px;
  border-radius:50%;
  background:var(--teal);
}

.faq-link{
  display:inline-flex;
  align-items:center;
  gap:5px;
  margin-top:7px;
  color:var(--teal);
  font-size:13.5px;
  font-weight:700;
}

.faq-category-cta{
  padding:20px 0 4px;
  text-align:center;
}

.eligibility-icons{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:12px;
  margin:14px 0;
}

.eligibility-icons div{text-align:center}

.eligibility-icons .elig-icon{
  width:42px;
  height:42px;
  margin:0 auto 7px;
  border-radius:50%;
  background:var(--sky);
  color:var(--navy);
  display:grid;
  place-items:center;
}

.eligibility-icons p{
  margin:0;
  color:var(--navy);
  font-size:11.5px;
  font-weight:600;
  line-height:1.3;
}

.mini-steps{
  display:grid;
  gap:9px;
  margin:12px 0 14px;
}

.mini-step{
  display:grid;
  grid-template-columns:28px 1fr;
  gap:10px;
  align-items:start;
}

.mini-step-num{
  width:28px;
  height:28px;
  border-radius:50%;
  background:#d8f1f5;
  color:var(--navy);
  display:grid;
  place-items:center;
  font-size:11px;
  font-weight:800;
}

.mini-step div strong{
  display:block;
  margin-bottom:1px;
  font-size:13px;
}

.mini-step div p{
  margin:0;
  font-size:13px;
}

.trust-card{
  width:min(1000px,calc(100% - 32px));
  margin:38px auto 0;
  padding:0;
}

.trust-card-inner{
  display:grid;
  grid-template-columns:58px 1.25fr 1fr 1fr;
  gap:24px;
  align-items:start;
  padding:30px;
  border:1px solid #dceef1;
  border-radius:20px;
  background:linear-gradient(180deg,#f5fcfd,#eaf8fa);
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.trust-card-icon{
  width:56px;
  height:56px;
  border-radius:50%;
  background:#fff;
  color:var(--navy);
  display:grid;
  place-items:center;
  box-shadow:0 7px 18px rgba(7,81,106,.07);
}

.trust-card-inner h5{
  margin-bottom:5px;
  color:#1685a0;
  font-size:11px;
  font-weight:700;
  letter-spacing:1px;
  text-transform:uppercase;
}

.trust-card-inner h3{
  margin-bottom:7px;
  font-size:19px;
  line-height:1.2;
}

.trust-card-inner p{
  margin:0;
  color:var(--text);
  font-size:13px;
  line-height:1.55;
}

.trust-list{
  display:grid;
  gap:9px;
}

.trust-list li{
  display:flex;
  align-items:flex-start;
  gap:8px;
  color:var(--navy);
  font-size:13px;
  font-weight:600;
  line-height:1.4;
}

.trust-list .yes-mark,
.trust-list .no-mark{
  width:19px;
  height:19px;
  flex:0 0 19px;
  margin-top:1px;
  border-radius:50%;
  display:grid;
  place-items:center;
  color:#fff;
  font-size:10px;
}

.trust-list .yes-mark{background:var(--navy)}

.trust-list .no-mark{background:#b98f90}

.still-questions{
  width:min(1000px,calc(100% - 32px));
  margin:24px auto 52px;
  padding:0;
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:18px;
}

.panel{
  padding:28px;
  border:1px solid #e6f2f4;
  border-radius:20px;
  background:#fff;
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.still-questions .panel{
  display:flex;
  flex-direction:column;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  text-align:center;
}

.still-questions .panel h3{
  margin-bottom:8px;
  font-size:20px;
}

.still-questions .panel p{
  flex:1;
  margin:0 0 18px;
  color:var(--text);
  font-size:13.25px;
  line-height:1.58;
}

.still-questions .btn{width:100%}

.lock-note{
  display:flex;
  align-items:center;
  justify-content:center;
  gap:6px;
  margin-top:10px;
  color:var(--muted);
  font-size:12px;
}

footer{
  padding:34px 0 22px;
  border-top:1px solid var(--line);
}

.footer-legal{
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:28px;
  padding-top:22px;
  border-top:1px solid var(--line);
  color:#6b8a93;
  font-size:10.5px;
  line-height:1.65;
}

@media(max-width:980px){
  nav{display:none}
  .nav-toggle{display:flex}
  .header-cta{display:none}

  .hero-grid{
    grid-template-columns:1fr;
    gap:18px;
    min-height:auto;
    padding:40px 0 72px;
  }
  .hero-left{max-width:720px}
  .hero-illustration{
    justify-self:start;
    max-width:490px;
  }

  .category-cards{grid-template-columns:repeat(3,1fr)}
  .trust-card-inner{grid-template-columns:1fr 1fr}
  .trust-card-icon{display:none}
  .footer-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:700px){
  .still-questions{grid-template-columns:1fr}
}

@media(max-width:600px){
  .container,
  .faq-search-wrap,
  .category-cards,
  .faq-category,
  .faq-no-results,
  .trust-card,
  .still-questions{
    width:min(100% - 24px,560px);
  }

  header.container{min-height:70px}
  .logo-img{width:180px}

  .hero-grid{padding:32px 0 66px}
  .hero-left h1{
    font-size:clamp(38px,12vw,50px);
    letter-spacing:-1.25px;
  }
  .hero-left .desc{font-size:14.5px}
  .hero-badges{gap:9px 12px;font-size:12px}
  .hero-illustration{
    padding:12px;
    border-radius:20px;
  }

  .faq-search-box{
    margin-top:-38px;
    padding:20px 18px;
    border-radius:18px;
  }
  .faq-pills{gap:6px}
  .faq-pill{
    min-height:32px;
    padding:0 12px;
    font-size:11.5px;
  }

  .category-cards{
    grid-template-columns:repeat(2,1fr);
    gap:8px;
  }
  .category-card{
    padding:14px 8px;
    border-radius:14px;
  }

  .faq-category{
    margin-top:12px;
    padding:22px 18px 6px;
    border-radius:18px;
  }
  .faq-q{
    min-height:56px;
    padding:14px 0;
    font-size:13.5px;
  }
  .faq-q .plus{
    width:28px;
    height:28px;
    flex-basis:28px;
  }
  .faq-a{padding-right:30px;font-size:13px}

  .eligibility-icons{grid-template-columns:repeat(2,1fr)}

  .trust-card{margin-top:24px}
  .trust-card-inner{
    grid-template-columns:1fr;
    gap:20px;
    padding:22px 18px;
    border-radius:18px;
  }
  .trust-list{gap:8px}

  .still-questions{
    gap:12px;
    margin-top:16px;
    margin-bottom:38px;
  }
  .panel{
    padding:22px 18px;
    border-radius:18px;
  }

  .footer-grid{
    grid-template-columns:1fr 1fr;
    gap:24px 18px;
  }
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

.hero-fee-note{
    display:inline-flex;
    align-items:flex-start;
    gap:10px;
    background: var(--sky);
    border-radius:10px;
    padding:12px 16px;
    margin-bottom:20px;
    color: var(--blue-dark);
  }

.hero-fee-note p{
    font-size:13.5px;
    font-weight:600;
    color: var(--navy);
    line-height:1.4;
  }

.most-important{
    max-width:1180px;
    margin:28px auto 0;
    padding:0 24px;
  }

.most-important-inner{
    background: var(--sky);
    border-radius:14px;
    padding:26px 30px;
    display:flex;
    gap:18px;
  }

.most-important-icon{
    width:44px; height:44px;
    border-radius:50%;
    background: var(--navy);
    color:#fff;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.most-important-inner h3{
    font-size:17px;
    font-weight:700;
    margin-bottom:4px;
  }

.most-important-inner p{
    font-size:13.5px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:8px;
  }

.most-important-inner ul{
    list-style:none;
    display:grid;
    grid-template-columns: repeat(3, auto);
    gap:4px 24px;
    margin:10px 0;
  }

.most-important-inner ul li{
    font-size:13px;
    color: var(--navy);
    font-weight:600;
  }

.most-important-inner ul li::before{ content:"— "; color: var(--gray-500); font-weight:400; }

.most-important-inner p.bold-note{
    font-weight:700;
    color: var(--navy);
    margin-top:6px;
  }

@media (max-width: 700px){
    .most-important-inner{ flex-direction:column; }
    .most-important-inner ul{ grid-template-columns:1fr 1fr; }
  }

.fee-cards{
    max-width:1180px;
    margin:40px auto 0;
    padding:0 24px;
    display:grid;
    grid-template-columns: repeat(3, 1fr);
    gap:20px;
    align-items:stretch;
  }

@media (max-width: 900px){
    .fee-cards{ grid-template-columns:1fr; }
  }

.fee-card{
    border:1px solid var(--border);
    border-radius:14px;
    padding:26px;
  }

.fee-card-head{
    display:flex;
    align-items:center;
    gap:10px;
    margin-bottom:14px;
  }

.fee-card-head .fc-icon{
    width:32px; height:32px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.fee-card-head h3{ font-size:15.5px; font-weight:700; }

.fee-card p{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.55;
    margin-bottom:10px;
  }

.fee-card p strong{ color: var(--navy); }

.fee-card-note{
    background: var(--sky);
    border-radius:9px;
    padding:14px 16px;
    margin-top:12px;
  }

.fee-card-note p{
    font-size:12.5px;
    color: var(--navy);
    margin-bottom:6px;
  }

.fee-card-note a{
    font-size:12px;
    font-weight:700;
    color: var(--blue-dark);
  }

.fee-steps{ margin-top:2px; }

.fee-step{
    display:flex;
    gap:12px;
    padding-bottom:14px;
    position:relative;
  }

.fee-step:not(:last-child)::before{
    content:"";
    position:absolute;
    left:13px; top:28px;
    width:1px; height:calc(100% - 20px);
    background: var(--border);
  }

.fee-step-num{
    width:27px; height:27px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    font-size:11px;
    font-weight:800;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
    z-index:1;
  }

.fee-step h4{ font-size:13px; font-weight:700; margin-bottom:2px; }

.fee-step p{ font-size:12.5px; margin-bottom:0; }

.fee-card-footnote{
    font-size:12px;
    color: var(--gray-500);
    margin-top:14px;
    padding-top:14px;
    border-top:1px solid var(--border);
  }

.example-section{
    max-width:1180px;
    margin:36px auto 0;
    padding:0 24px;
  }

.example-inner{
    border:1px solid var(--border);
    border-radius:14px;
    padding:30px 34px;
  }

.example-head{
    display:flex;
    justify-content:space-between;
    align-items:baseline;
    flex-wrap:wrap;
    gap:8px;
    margin-bottom:6px;
  }

.example-head h3{ font-size:19px; font-weight:700; }

.example-head p{ font-size:13px; color: var(--gray-500); max-width:480px; }

.example-grid{
    display:grid;
    grid-template-columns: repeat(3, 1fr);
    gap:20px;
    margin-top:22px;
  }

.example-card{
    border:1px solid var(--border);
    border-radius:10px;
    padding:18px 20px;
  }

.example-card h4{
    display:flex;
    align-items:center;
    gap:8px;
    font-size:13.5px;
    font-weight:700;
    margin-bottom:12px;
  }

.example-card h4 span{
    width:20px; height:20px;
    border-radius:50%;
    background: var(--blue);
    color:#fff;
    font-size:10.5px;
    font-weight:800;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.example-row{
    display:flex;
    justify-content:space-between;
    font-size:13px;
    padding:6px 0;
    border-top:1px solid var(--border);
  }

.example-row:first-of-type{ border-top:none; }

.example-row .erlabel{ color: var(--gray-500); }

.example-row .erval{ color: var(--navy); font-weight:600; }

.example-row.total .erval{ color: var(--blue-dark); font-weight:800; font-size:14px; }

.example-footnote{
    font-size:11.5px;
    color: var(--gray-500);
    text-align:center;
    margin-top:20px;
    line-height:1.6;
  }

.example-disclaimer{
    display:flex;
    align-items:flex-start;
    gap:10px;
    background: var(--sky);
    border-radius:9px;
    padding:14px 16px;
    margin-top:16px;
  }

.example-disclaimer svg{ color: var(--blue-dark); flex-shrink:0; margin-top:1px; }

.example-disclaimer p{ font-size:12.5px; color: var(--navy); font-weight:600; line-height:1.5; }

@media (max-width: 900px){
    .example-grid{ grid-template-columns:1fr; }
  }

.topic-section{
    max-width:1180px;
    margin:36px auto 0;
    padding:0 24px;
  }

.topic-grid{
    display:grid;
    grid-template-columns: 1fr 1fr;
    gap:14px;
    align-items:start;
  }

.topic-item{
    border:1px solid var(--border);
    border-radius:12px;
    overflow:hidden;
  }

.topic-item-head{
    width:100%;
    display:flex;
    align-items:center;
    gap:12px;
    padding:16px 18px;
    background:none;
    text-align:left;
  }

.topic-item-head .ti-icon{
    width:32px; height:32px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.topic-item-head h4{
    font-size:14px;
    font-weight:700;
    color: var(--blue-dark);
    flex:1;
  }

.topic-item-head svg.chev{
    color: var(--gray-500);
    flex-shrink:0;
    transition: transform .2s ease;
  }

.topic-item.open .chev{ transform: rotate(180deg); }

.topic-item-body{
    display:none;
    padding:0 18px 18px 62px;
  }

.topic-item.open .topic-item-body{ display:block; }

.topic-item-body h5{
    font-size:13px;
    font-weight:700;
    margin-bottom:4px;
  }

.topic-item-body p{
    font-size:12.5px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:8px;
  }

.topic-item-body ul{
    list-style:none;
    margin:6px 0 8px;
  }

.topic-item-body ul li{
    font-size:12.5px;
    color: var(--gray-600);
    display:flex;
    align-items:flex-start;
    gap:7px;
    margin-bottom:5px;
  }

.topic-item-body ul li::before{
    content:"";
    width:5px; height:5px;
    border-radius:50%;
    background: var(--blue);
    margin-top:6px;
    flex-shrink:0;
  }

@media (max-width: 800px){
    .topic-grid{ grid-template-columns:1fr; }
  }

.faq-preview-section{
    max-width:1180px;
    margin:44px auto 0;
    padding:0 24px;
  }

.faq-preview-section > h2{
    font-size:22px;
    font-weight:700;
    margin-bottom:20px;
  }

.faq-preview-grid{
    display:grid;
    grid-template-columns: repeat(5, 1fr);
    gap:16px;
  }

.faq-preview-card{
    border:1px solid var(--border);
    border-radius:12px;
    padding:18px;
  }

.faq-preview-card .fp-num{
    width:24px; height:24px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    font-size:11px;
    font-weight:800;
    display:flex; align-items:center; justify-content:center;
    margin-bottom:10px;
  }

.faq-preview-card h4{
    font-size:13px;
    font-weight:700;
    margin-bottom:8px;
    line-height:1.35;
  }

.faq-preview-card p{
    font-size:12px;
    color: var(--gray-600);
    line-height:1.5;
    margin-bottom:10px;
  }

.faq-preview-card a{
    font-size:12px;
    font-weight:700;
    color: var(--blue-dark);
  }

.faq-preview-cta{
    text-align:center;
    margin-top:24px;
  }

.faq-preview-cta .btn{
    background:#fff;
    color: var(--navy);
    border:1.5px solid var(--border);
    font-size:13px;
  }

.faq-preview-cta .btn:hover{ border-color: var(--blue); }

@media (max-width: 1000px){
    .faq-preview-grid{ grid-template-columns: repeat(2, 1fr); }
  }

@media (max-width: 560px){
    .faq-preview-grid{ grid-template-columns: 1fr; }
  }

.btn{
  min-height:48px;
  padding:0 30px;
  border-radius:999px;
  font-size:14px;
  letter-spacing:.1px;
  transition:transform .15s ease,filter .15s ease,box-shadow .15s ease,border-color .15s ease;
}

.hero-left p.desc{
  max-width:555px;
  margin:19px 0 0;
  color:var(--gray-600);
  font-size:16px;
  line-height:1.6;
}

.hero-fee-note{
  margin:22px 0 0;
  padding:12px 15px;
  border:1px solid #dceef1;
  border-radius:14px;
  background:rgba(255,255,255,.7);
  color:var(--navy);
}

.hero-fee-note p{
  color:var(--navy);
  font-size:13px;
  line-height:1.48;
}

.hero-badges{
  gap:12px 18px;
  margin-top:20px;
  font-size:13px;
}

.most-important{
  max-width:1080px;
  margin:42px auto 0;
  padding:0 24px;
}

.most-important-inner{
  gap:18px;
  padding:28px 30px;
  border:1px solid #dceef1;
  border-radius:20px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.most-important-icon{
  width:52px;
  height:52px;
  flex:0 0 52px;
  background:var(--navy);
}

.most-important-inner h3{
  margin-bottom:7px;
  font-size:19px;
  line-height:1.2;
}

.most-important-inner p{
  margin-bottom:8px;
  color:var(--gray-600);
  font-size:13.25px;
  line-height:1.6;
}

.most-important-inner ul{
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:7px 22px;
  margin:13px 0;
}

.most-important-inner ul li{
  color:var(--navy);
  font-size:12.5px;
  line-height:1.4;
}

.most-important-inner ul li::before{
  color:var(--blue);
}

.most-important-inner p.bold-note{
  margin-top:8px;
  color:var(--navy);
}

.fee-cards{
  max-width:1180px;
  margin:26px auto 0;
  padding:0 24px;
  grid-template-columns:repeat(3,1fr);
  gap:18px;
}

.fee-card{
  padding:26px 24px;
  border:1px solid var(--breezy-line);
  border-radius:20px;
  background:#fff;
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.fee-card-head{
  gap:11px;
  margin-bottom:15px;
}

.fee-card-head .fc-icon{
  width:42px;
  height:42px;
  flex:0 0 42px;
  background:var(--sky-2);
  color:var(--navy);
}

.fee-card-head h3{
  font-size:17px;
  line-height:1.2;
}

.fee-card p{
  margin-bottom:10px;
  color:var(--gray-600);
  font-size:13px;
  line-height:1.6;
}

.fee-card-note{
  margin-top:14px;
  padding:14px 15px;
  border:1px solid #dfeff1;
  border-radius:12px;
  background:var(--sky-3);
}

.fee-card-note p{
  color:var(--navy);
  font-size:12.25px;
  line-height:1.5;
}

.fee-card-note a{
  color:var(--blue-dark);
  font-size:12px;
}

.fee-step{
  gap:12px;
  padding-bottom:13px;
}

.fee-step-num{
  width:29px;
  height:29px;
  flex:0 0 29px;
  background:var(--sky-2);
  color:var(--navy);
}

.fee-step:not(:last-child)::before{
  left:14px;
  top:30px;
  background:#cfe5e9;
}

.fee-step h4{
  margin-bottom:2px;
  font-size:12.75px;
}

.fee-step p{
  font-size:12.25px;
  line-height:1.48;
}

.fee-card-footnote{
  margin-top:13px;
  padding-top:13px;
  border-color:var(--border);
  color:var(--gray-500);
  font-size:11.75px;
  line-height:1.5;
}

.example-section{
  max-width:1080px;
  margin:28px auto 0;
  padding:0 24px;
}

.example-inner{
  padding:30px;
  border:1px solid var(--breezy-line);
  border-radius:20px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.example-head{
  gap:12px 24px;
  margin-bottom:4px;
}

.example-head h3{
  font-size:20px;
  line-height:1.2;
}

.example-head p{
  max-width:560px;
  color:var(--gray-500);
  font-size:12.75px;
  line-height:1.5;
}

.example-grid{
  gap:14px;
  margin-top:22px;
}

.example-card{
  padding:18px;
  border:1px solid var(--border);
  border-radius:14px;
  background:#fff;
}

.example-card h4{
  margin-bottom:10px;
  font-size:13.5px;
}

.example-card h4 span{
  width:23px;
  height:23px;
  background:var(--blue);
}

.example-row{
  padding:7px 0;
  border-color:#e4eff1;
  font-size:12.75px;
}

.example-row .erlabel{color:var(--gray-500)}

.example-row .erval{color:var(--navy)}

.example-row.total .erval{
  color:var(--blue-dark);
  font-size:14px;
}

.example-footnote{
  margin-top:18px;
  color:var(--gray-500);
  font-size:11.25px;
  line-height:1.6;
}

.example-disclaimer{
  margin-top:14px;
  padding:14px 15px;
  border:1px solid #dceef1;
  border-radius:12px;
  background:#fff;
}

.example-disclaimer svg{color:var(--navy)}

.example-disclaimer p{
  color:var(--navy);
  font-size:12px;
  line-height:1.5;
}

.topic-section{
  max-width:1080px;
  margin:28px auto 0;
  padding:0 24px;
}

.topic-grid{
  gap:12px;
}

.topic-item{
  border:1px solid var(--breezy-line);
  border-radius:16px;
  background:#fff;
  box-shadow:0 8px 22px rgba(12,84,105,.03);
}

.topic-item-head{
  gap:12px;
  padding:17px 18px;
}

.topic-item-head:hover{background:var(--sky-3)}

.topic-item-head .ti-icon{
  width:38px;
  height:38px;
  flex:0 0 38px;
  background:var(--sky-2);
  color:var(--navy);
}

.topic-item-head h4{
  color:var(--navy);
  font-size:13.5px;
}

.topic-item-head svg.chev{color:var(--blue)}

.topic-item-body{
  padding:0 18px 18px 68px;
}

.topic-item-body h5{
  margin-bottom:5px;
  font-size:12.75px;
}

.topic-item-body p{
  margin-bottom:8px;
  color:var(--gray-600);
  font-size:12.25px;
  line-height:1.6;
}

.topic-item-body ul{
  margin:7px 0 9px;
}

.topic-item-body ul li{
  color:var(--gray-600);
  font-size:12.25px;
  line-height:1.5;
}

.topic-item-body ul li::before{
  background:var(--blue);
}

.faq-preview-section{
  max-width:1180px;
  margin:42px auto 0;
  padding:0 24px;
}

.faq-preview-section > h2{
  margin-bottom:19px;
  font-size:clamp(24px,2.5vw,30px);
}

.faq-preview-grid{
  grid-template-columns:repeat(5,1fr);
  gap:12px;
}

.faq-preview-card{
  display:flex;
  flex-direction:column;
  padding:18px;
  border:1px solid var(--breezy-line);
  border-radius:16px;
  background:#fff;
  box-shadow:0 8px 22px rgba(12,84,105,.03);
}

.faq-preview-card .fp-num{
  width:28px;
  height:28px;
  margin-bottom:11px;
  background:var(--sky-2);
  color:var(--navy);
}

.faq-preview-card h4{
  margin-bottom:8px;
  font-size:12.75px;
  line-height:1.4;
}

.faq-preview-card p{
  flex:1;
  margin-bottom:11px;
  color:var(--gray-600);
  font-size:11.75px;
  line-height:1.55;
}

.faq-preview-card a{
  color:var(--blue-dark);
  font-size:11.75px;
}

.faq-preview-cta{
  margin-top:22px;
}

.faq-preview-cta .btn{
  min-height:44px;
  padding:0 22px;
  border:1px solid var(--border);
  border-radius:999px;
  background:#fff;
  color:var(--navy);
  font-size:12.5px;
  box-shadow:none;
}

.faq-preview-cta .btn:hover{
  border-color:var(--blue);
  color:var(--blue-dark);
}

.cta-banner{
  max-width:1180px;
  margin:46px auto 38px;
  padding:34px 42px;
  border-radius:20px;
  background:linear-gradient(90deg,#176876,#0d566b);
  box-shadow:0 16px 38px rgba(7,81,106,.12);
}

@media(max-width:1000px){
  .faq-preview-grid{grid-template-columns:repeat(2,1fr)}
}

@media(max-width:980px){
  .hero-grid{
    grid-template-columns:1fr;
    gap:18px;
    min-height:auto;
    padding:40px 24px 44px;
  }
  .hero-left{max-width:720px}
  .hero-illustration{
    justify-self:start;
    max-width:490px;
    margin-top:6px;
  }
  .fee-cards{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:800px){
  .topic-grid{grid-template-columns:1fr}
}

@media(max-width:700px){
  .most-important-inner{flex-direction:column}
  .most-important-inner ul{grid-template-columns:1fr 1fr}
  .example-grid{grid-template-columns:1fr}
}

@media(max-width:600px){
  header.container{
    min-height:70px;
    padding:0 12px;
  }
  .logo-img{
    width:180px;
    height:auto;
  }

  .hero-grid{padding:32px 12px 36px}
  .hero-left h1{
    font-size:clamp(38px,12vw,50px);
    letter-spacing:-1.25px;
  }
  .hero-left p.desc{font-size:14.5px}
  .hero-badges{
    gap:9px 12px;
    font-size:12px;
  }
  .hero-illustration{
    padding:12px;
    border-radius:20px;
  }

  .most-important{
    margin-top:30px;
    padding:0 12px;
  }
  .most-important-inner{
    padding:22px 18px;
    border-radius:18px;
  }
  .most-important-inner ul{grid-template-columns:1fr}

  .fee-cards{
    margin-top:18px;
    padding:0 12px;
    gap:10px;
  }
  .fee-card{
    padding:22px 18px;
    border-radius:18px;
  }

  .example-section{
    margin-top:18px;
    padding:0 12px;
  }
  .example-inner{
    padding:22px 18px;
    border-radius:18px;
  }

  .topic-section{
    margin-top:18px;
    padding:0 12px;
  }
  .topic-grid{gap:9px}
  .topic-item{border-radius:14px}
  .topic-item-head{padding:15px}
  .topic-item-body{padding:0 15px 16px 15px}

  .faq-preview-section{
    margin-top:34px;
    padding:0 12px;
  }
  .faq-preview-grid{
    grid-template-columns:1fr;
    gap:9px;
  }
  .faq-preview-card{border-radius:14px}

  .cta-banner{
    margin:36px 12px 30px;
    padding:28px 20px;
    flex-direction:column;
    align-items:flex-start;
    gap:24px;
    text-align:left;
  }
  .cta-banner-left{
    flex-direction:row;
    align-items:center;
  }
  .cta-banner-right{
    width:100%;
    text-align:center;
  }
  .cta-banner-right .btn{width:100%}

  .important-info{
    margin-bottom:38px;
    padding:0 12px;
  }
  .important-info-inner{
    padding:20px 18px;
    border-radius:16px;
  }

  .footer-grid{
    grid-template-columns:1fr 1fr;
    gap:24px 18px;
  }
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

.cost-example-inner{
  padding:32px;
}

.cost-example-head{
  align-items:end;
  margin-bottom:24px;
}

.cost-example-head > div{
  max-width:520px;
}

.cost-example-eyebrow{
  margin-bottom:7px;
  color:var(--blue-dark);
  font-size:10.5px;
  font-weight:800;
  letter-spacing:1.6px;
  text-transform:uppercase;
}

.cost-example-head h3{
  font-size:clamp(23px,2.7vw,31px);
  line-height:1.15;
}

.cost-example-head > p{
  max-width:390px;
  color:var(--gray-500);
  font-size:12.75px;
  line-height:1.55;
}

.cost-flow{
  display:grid;
  grid-template-columns:minmax(0,1fr) auto minmax(0,1fr) auto minmax(0,1fr);
  gap:12px;
  align-items:center;
}

.cost-flow-card{
  min-height:150px;
  padding:24px 20px;
  display:flex;
  flex-direction:column;
  align-items:center;
  justify-content:center;
  text-align:center;
  border:1px solid var(--border);
  border-radius:18px;
  background:#fff;
}

.cost-flow-card-add{
  background:var(--sky-3);
}

.cost-flow-card-total{
  border-color:#cce8ec;
  background:linear-gradient(180deg,#eaf9fb,#dcf3f6);
}

.cost-flow-label{
  max-width:180px;
  margin-bottom:9px;
  color:var(--gray-500);
  font-size:11.75px;
  font-weight:700;
  line-height:1.4;
}

.cost-flow-card strong{
  color:var(--navy);
  font-family:'Poppins',sans-serif;
  font-size:clamp(28px,3vw,38px);
  line-height:1;
}

.cost-flow-card-total strong{
  color:var(--blue-dark);
}

.cost-flow-arrow{
  color:var(--blue);
  font-size:25px;
  font-weight:700;
}

.cost-key-point{
  display:flex;
  gap:14px;
  align-items:flex-start;
  margin-top:18px;
  padding:18px 20px;
  border:1px solid #dceef1;
  border-radius:14px;
  background:#fff;
}

.cost-key-point-icon{
  width:38px;
  height:38px;
  flex:0 0 38px;
  display:grid;
  place-items:center;
  border-radius:50%;
  background:var(--sky-2);
  color:var(--navy);
}

.cost-key-point h4{
  margin-bottom:4px;
  font-size:14px;
}

.cost-key-point p{
  color:var(--gray-600);
  font-size:12.75px;
  line-height:1.58;
}

.cost-key-point p strong{
  color:var(--navy);
}

.cost-example-disclaimer{
  margin-top:14px;
  background:var(--sky-3);
}

.cost-example-disclaimer p strong{
  color:var(--navy);
}

@media(max-width:760px){
  .cost-flow{
    grid-template-columns:1fr;
    gap:8px;
  }
  .cost-flow-arrow{
    transform:rotate(90deg);
    justify-self:center;
    line-height:1;
  }
  .cost-flow-card{
    min-height:112px;
  }
}

@media(max-width:600px){
  .cost-example-inner{
    padding:22px 18px;
  }
  .cost-example-head{
    align-items:flex-start;
    gap:10px;
  }
  .cost-key-point{
    padding:16px;
  }
}

.econsent-section {
            padding: 60px 0;
        }

.econsent-header {
            margin-bottom: 40px;
            text-align: center;
        }

.econsent-content {
            line-height: 1.8;
        }

.econsent-content strong {
            color: var(--primary-color);
            display: block;
            margin-top: 20px;
            margin-bottom: 10px;
        }

.consent-block {
            background-color: #f8f9fa;
            padding: 20px;
            border-radius: 5px;
            margin: 30px 0;
            border-left: 4px solid var(--primary-color);
        }

.privacy-link {
            margin-top: 30px;
            text-align: center;
        }

:root{
  --navy:#07516a;--navy-2:#0b6380;--teal:#28a9bd;--teal-2:#55bfd0;
  --sky:#e9f8fb;--sky-2:#d8f1f5;--sky-3:#f5fcfd;--text:#1b596d;
  --muted:#5e7f8a;--line:#dcecef;--white:#fff;
  --shadow:0 18px 48px rgba(7,81,106,.10);--primary-color:#07516a;
}

body{
  margin:0;font-family:"Inter",system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--text);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased
}

h1,h2,h3,h4,h5,h6{font-family:"Poppins",sans-serif;color:var(--navy)}

a{color:var(--teal);text-decoration:none}

a:hover,a:focus{color:var(--navy)}

.container{width:min(1180px,calc(100% - 32px));max-width:none}

header.container{
  position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid #edf5f6
}

header .navbar{min-height:76px;padding:0}

.navbar-brand{display:flex;align-items:center;margin:0}

.navbar-brand img{width:205px;height:auto;max-height:58px;object-fit:contain}

.navbar-nav{align-items:center;gap:26px}

.navbar .nav-link{padding:26px 0!important;color:var(--navy);font-size:14px;font-weight:600}

.navbar .nav-link:hover,.navbar .nav-link:focus{color:var(--teal)}

.navbar-toggler{
  width:44px;height:44px;padding:8px;border:1px solid var(--line);border-radius:10px;box-shadow:none!important
}

.navbar-toggler:focus{box-shadow:0 0 0 4px rgba(40,169,189,.09)!important}

main{background:linear-gradient(180deg,#f4fcfd 0,#eef9fb 270px,#fff 520px)}

.econsent-section{padding:64px 0 70px}

.econsent-section .row{margin:0}

.econsent-section .col-md-10{width:100%;max-width:100%;padding:0}

.econsent-header{max-width:780px;margin:0 auto 36px;padding:0 16px;text-align:center}

.econsent-header h1{
  margin:0;color:var(--navy);font-size:clamp(38px,5vw,58px)!important;
  line-height:1.03;letter-spacing:-1.5px
}

.econsent-header .lead{
  max-width:620px;margin:16px auto 0;color:var(--muted)!important;
  font-size:15.5px;line-height:1.6
}

.econsent-content{
  max-width:880px;margin:0 auto;padding:34px 38px;border:1px solid #e6f2f4;
  border-radius:22px;background:#fff;box-shadow:var(--shadow);
  color:var(--text);font-size:14.5px;line-height:1.72
}

.econsent-content > strong{
  display:block;margin:30px 0 8px;color:var(--navy);font-family:"Poppins",sans-serif;
  font-size:16px;font-weight:700;line-height:1.35
}

.econsent-content > strong:first-child{margin-top:0}

.econsent-content p{margin:0 0 17px}

.econsent-content a{
  color:var(--teal);font-weight:600;text-decoration:underline;
  text-decoration-color:rgba(40,169,189,.35);text-underline-offset:3px
}

.consent-block{
  position:relative;margin:34px 0 28px;padding:26px 28px;border:1px solid #cfe7eb;
  border-left:4px solid var(--teal);border-radius:17px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 10px 28px rgba(7,81,106,.04)
}

.consent-block strong{
  display:block;margin:0 0 8px;color:var(--navy);font-family:"Poppins",sans-serif;
  font-size:16px;font-weight:700
}

.consent-block p{margin:0;color:var(--text);font-size:13.5px;line-height:1.72}

.privacy-link{margin-top:30px;padding-top:24px;border-top:1px solid var(--line);text-align:center}

.privacy-link p{margin:0;color:var(--muted);font-size:13px}

footer{padding:38px 0 24px;border-top:1px solid var(--line);background:#fff}

footer .footer-nav{gap:4px 10px;margin-bottom:22px!important}

footer .footer-nav .nav-link{
  padding:5px 8px!important;color:#406f7c;font-size:12.5px;font-weight:600
}

footer .footer-nav .nav-link:hover{color:var(--teal)}

footer .text-center.mb-3{
  margin-bottom:14px!important;color:var(--navy);font-size:12.5px;font-weight:600
}

footer .small{
  max-width:980px;margin:0 auto;color:#6b8a93;font-size:10.5px;line-height:1.7
}

footer .small a{color:var(--teal)}

@media(max-width:991.98px){
  header .navbar{min-height:70px;padding:8px 0}
  .navbar-brand img{width:185px}
  .navbar-collapse{margin-top:8px;padding:8px 0 16px;border-top:1px solid #edf5f6}
  .navbar-nav{align-items:stretch;gap:0}
  .navbar .nav-link{padding:12px 4px!important;border-bottom:1px solid #eef4f5}
}

@media(max-width:700px){
  .econsent-section{padding:44px 0 48px}
  .econsent-header{margin-bottom:26px;padding:0}
  .econsent-header h1{font-size:clamp(34px,10vw,46px)!important}
  .econsent-header .lead{font-size:14.5px}
  .econsent-content{padding:25px 21px;border-radius:18px;font-size:14px}
  .econsent-content > strong{margin-top:25px;font-size:15px}
  .consent-block{margin:28px 0 24px;padding:21px 18px;border-radius:15px}
  footer{padding-top:30px}
}

@media(max-width:390px){
  .container{width:min(100% - 24px,1180px)}
}

@media(min-width:992px){
  .navbar .nav-link[href*="get-started"]{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    min-height:44px;
    padding:0 24px!important;
    border-radius:999px;
    background:linear-gradient(90deg,var(--teal),var(--teal-2));
    color:#fff!important;
    box-shadow:0 10px 24px rgba(31,166,190,.16);
  }
  .navbar .nav-link[href*="get-started"]:hover{
    filter:brightness(.985);
    color:#fff!important;
  }
}

.hero-badges span{
    display:flex;
    align-items:center;
    gap:10px;
    white-space:nowrap;
  }

.last-updated-badge{
    display:inline-flex;
    align-items:center;
    gap:7px;
    background:#fff;
    border:1px solid var(--border);
    border-radius:20px;
    padding:7px 14px;
    font-size:12.5px;
    font-weight:600;
    color: var(--gray-600);
    margin-top:18px;
    margin-bottom:22px;
  }

.not-lender-banner{
    max-width:1180px;
    margin:28px auto 0;
    padding:0 24px;
  }

.not-lender-inner{
    background: var(--sky);
    border-radius:14px;
    padding:24px 30px;
    display:flex;
    align-items:center;
    gap:20px;
    flex-wrap:wrap;
  }

.not-lender-icon{
    width:52px; height:52px;
    border-radius:50%;
    background: var(--navy);
    color:#fff;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.not-lender-inner h3{
    font-size:16.5px;
    font-weight:700;
    margin-bottom:3px;
  }

.not-lender-inner p{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.5;
  }

.not-lender-inner .btn{
    margin-left:auto;
    white-space:nowrap;
    font-size:13px;
    padding:12px 22px;
  }

@media (max-width: 700px){
    .not-lender-inner{ text-align:center; justify-content:center; }
    .not-lender-inner .btn{ margin:8px auto 0; }
  }

.policy-layout{
    max-width:1180px;
    margin:40px auto 0;
    padding:0 24px;
    display:grid;
    grid-template-columns: 260px 1fr;
    gap:32px;
    align-items:start;
  }

.policy-toc{
    position:sticky;
    top:24px;
    border:1px solid var(--border);
    border-radius:14px;
    padding:22px;
  }

.policy-toc h5{
    font-size:11.5px;
    font-weight:800;
    letter-spacing:0.6px;
    color: var(--gray-500);
    text-transform:uppercase;
    margin-bottom:14px;
  }

.policy-toc ol{
    list-style:none;
    display:flex;
    flex-direction:column;
    gap:3px;
  }

.policy-toc a{
    display:flex;
    align-items:center;
    gap:10px;
    font-size:13px;
    font-weight:600;
    color: var(--gray-600);
    padding:8px 8px;
    border-radius:8px;
  }

.policy-toc a:hover{ background: var(--sky); color: var(--navy); }

.policy-toc a .tocnum{
    width:20px; height:20px;
    border-radius:50%;
    background: var(--border);
    color: var(--gray-600);
    font-size:10.5px;
    font-weight:800;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.policy-toc a.active{ background: var(--sky); color: var(--blue-dark); }

.policy-toc a.active .tocnum{ background: var(--blue); color:#fff; }

.policy-toc-extra{
    margin-top:16px;
    padding-top:16px;
    border-top:1px solid var(--border);
    display:flex;
    flex-direction:column;
    gap:8px;
  }

.policy-toc-extra a{
    display:flex;
    align-items:center;
    gap:8px;
    font-size:12px;
    font-weight:700;
    color: var(--blue-dark);
    border:1px solid var(--border);
    border-radius:8px;
    padding:9px 10px;
  }

.policy-toc-extra a:hover{ border-color: var(--blue); }

.policy-section{
    border:1px solid var(--border);
    border-radius:16px;
    padding:34px;
    margin-bottom:20px;
    scroll-margin-top:24px;
    transition: box-shadow .4s ease, border-color .4s ease;
  }

.policy-section.flash{
    border-color: var(--blue);
    box-shadow: 0 0 0 4px rgba(108,188,196,0.25);
  }

.policy-section-head{
    display:flex;
    align-items:center;
    gap:14px;
    cursor:default;
  }

.policy-section-head .secnum{
    width:34px; height:34px;
    border-radius:50%;
    background: var(--blue);
    color:#fff;
    font-size:14px;
    font-weight:800;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.policy-section-head h2{
    font-size:21px;
    font-weight:700;
  }

.policy-section-toggle{
    display:none;
    margin-left:auto;
    color: var(--gray-500);
    transition: transform .2s ease;
  }

.policy-section-body{
    margin-top:18px;
  }

.policy-section-body h4{
    font-size:15px;
    font-weight:700;
    margin-bottom:8px;
  }

.policy-section-body > p.lead{
    font-size:14px;
    color: var(--gray-600);
    line-height:1.65;
    margin-bottom:18px;
  }

.policy-subgrid{
    display:grid;
    grid-template-columns: 1fr 1fr;
    gap:26px;
    margin-bottom:8px;
  }

.policy-subgrid-col h4{
    display:flex;
    align-items:center;
    gap:9px;
  }

.policy-subgrid-col h4 svg{ color: var(--blue-dark); flex-shrink:0; }

.policy-list{
    list-style:none;
    display:flex;
    flex-direction:column;
    gap:8px;
    margin-top:4px;
  }

.policy-list li{
    display:flex;
    align-items:flex-start;
    gap:8px;
    font-size:13.5px;
    color: var(--gray-600);
    line-height:1.5;
  }

.policy-list li::before{
    content:"";
    width:6px; height:6px;
    border-radius:50%;
    background: var(--blue);
    margin-top:7px;
    flex-shrink:0;
  }

.policy-divider{
    border:none;
    border-top:1px solid var(--border);
    margin:20px 0;
  }

.policy-callout{
    display:flex;
    align-items:flex-start;
    gap:12px;
    background: var(--sky);
    border-radius:10px;
    padding:16px 18px;
    margin-top:18px;
  }

.policy-callout.warn{
    background:#fdf3f0;
  }

.policy-callout svg{ color: var(--blue-dark); flex-shrink:0; margin-top:1px; }

.policy-callout.warn svg{ color:#c26848; }

.policy-callout p{
    font-size:13px;
    color: var(--navy);
    font-weight:600;
    line-height:1.55;
  }

.policy-callout p strong{ display:block; margin-bottom:2px; }

.party-cards{
    display:flex;
    flex-direction:column;
    gap:12px;
    margin-bottom:8px;
  }

.party-card{
    border:1px solid var(--border);
    border-radius:10px;
    padding:14px 18px;
  }

.party-card h4{
    font-size:14px;
    margin-bottom:3px;
  }

.party-card p{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.5;
  }

.policy-inline-cta{
    margin-top:16px;
    display:inline-flex;
    align-items:center;
    gap:6px;
    background: var(--blue);
    color:#fff;
    font-size:12.5px;
    font-weight:700;
    padding:11px 20px;
    border-radius:9px;
  }

.policy-inline-cta:hover{ background: var(--blue-dark); }

.policy-inline-cta.outline{
    background:#fff;
    color: var(--blue-dark);
    border:1.5px solid var(--border);
  }

.policy-inline-cta.outline:hover{ border-color: var(--blue); }

.back-to-top{
    display:inline-flex;
    align-items:center;
    gap:6px;
    margin-top:22px;
    font-size:12.5px;
    font-weight:700;
    color: var(--blue-dark);
    float:right;
  }

@media (max-width: 900px){
    .policy-layout{ grid-template-columns:1fr; }
    .policy-toc{ position:static; }
    .policy-subgrid{ grid-template-columns:1fr; gap:20px; }
  }

@media (max-width: 700px){
    .policy-section{ padding:22px; }
    .policy-section-head{ cursor:pointer; }
    .policy-section-toggle{ display:flex; }
    .policy-section-body{ display:none; }
    .policy-section.mobile-open .policy-section-body{ display:block; }
    .policy-section.mobile-open .policy-section-toggle{ transform:rotate(180deg); }
    .back-to-top{ float:none; display:flex; justify-content:center; margin-top:18px; }
  }

.glance-section{
    max-width:1180px;
    margin:20px auto 60px;
    padding:0 24px;
  }

.glance-inner{
    border:1px solid var(--border);
    border-radius:16px;
    padding:34px;
    text-align:center;
  }

.glance-inner h3{
    font-size:20px;
    font-weight:700;
  }

.glance-inner > p{
    font-size:13.5px;
    color: var(--gray-500);
    margin-top:6px;
    margin-bottom:30px;
  }

.glance-grid{
    display:grid;
    grid-template-columns: repeat(5, 1fr);
    gap:20px;
    text-align:left;
  }

.glance-item{
    text-align:center;
  }

.glance-item .g-icon{
    width:44px; height:44px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    margin:0 auto 12px;
  }

.glance-item h4{
    font-size:13.5px;
    font-weight:700;
    margin-bottom:6px;
  }

.glance-item p{
    font-size:12px;
    color: var(--gray-600);
    line-height:1.5;
  }

.glance-view-all{
    display:flex;
    align-items:center;
    justify-content:center;
    gap:6px;
    margin-top:28px;
    font-size:13px;
    font-weight:700;
    color: var(--blue-dark);
  }

@media (max-width: 900px){
    .glance-grid{ grid-template-columns: repeat(2, 1fr); }
  }

@media (max-width: 560px){
    .glance-grid{ grid-template-columns: 1fr; }
  }

.commitment-heading{
    text-align:center;
    max-width:1180px;
    margin:0 auto;
    padding:56px 24px 0;
  }

.commitment-heading h2{
    font-size:28px;
    font-weight:700;
  }

.know-section{
    max-width:1180px;
    margin:50px auto 0;
    padding:0 24px;
  }

.know-inner{
    background: var(--sky);
    border-radius:16px;
    padding:34px 36px;
  }

.know-inner > h3{
    font-size:19px;
    font-weight:700;
    margin-bottom:18px;
  }

.know-row{
    display:flex;
    align-items:center;
    gap:16px;
    padding:16px 0;
    border-top:1px solid var(--border);
  }

.know-row:first-of-type{ border-top:none; }

.know-row-icon{
    width:38px; height:38px;
    border-radius:50%;
    background: var(--navy);
    color:#fff;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.know-row-text{ flex:1; min-width:0; }

.know-row-text h4{
    font-size:14.5px;
    font-weight:700;
    margin-bottom:3px;
  }

.know-row-text p{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.5;
  }

.know-row-link{
    flex-shrink:0;
    text-align:right;
    font-size:13px;
    font-weight:700;
    color: var(--blue-dark);
    line-height:1.4;
    white-space:nowrap;
  }

.know-view-all{
    display:flex;
    align-items:center;
    justify-content:center;
    gap:6px;
    margin-top:24px;
    font-size:14px;
    font-weight:700;
    color: var(--blue-dark);
  }

@media (max-width: 700px){
    .know-row{ flex-wrap:wrap; }
    .know-row-text{ flex-basis: calc(100% - 54px); }
    .know-row-link{ flex-basis:100%; text-align:left; margin-left:54px; margin-top:8px; }
  }

.hero-left > p[style]{
  margin-top:14px !important;
  font-size:12.75px !important;
}

.hero-left > p[style] a{
  color:var(--blue-dark) !important;
  font-weight:700;
}

.not-lender-banner{
  max-width:1080px;
  margin:38px auto 0;
  padding:0 24px;
}

.not-lender-inner{
  gap:18px;
  padding:24px 28px;
  border:1px solid #dceef1;
  border-radius:20px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.not-lender-icon{
  width:54px;
  height:54px;
  flex:0 0 54px;
  background:var(--navy);
}

.not-lender-inner h3{
  margin-bottom:5px;
  font-size:17px;
  line-height:1.25;
}

.not-lender-inner p{
  color:var(--gray-600);
  font-size:13px;
  line-height:1.55;
}

.not-lender-inner .btn{
  min-height:44px;
  padding:0 22px;
  font-size:12.5px;
}

.commitment-heading{
  max-width:1180px;
  padding:54px 24px 0;
}

.commitment-heading h2{
  font-size:clamp(28px,3vw,38px);
  line-height:1.08;
}

.help-cards{
  max-width:1180px;
  grid-template-columns:repeat(4,1fr);
  gap:16px;
  padding:0 24px 12px;
}

.help-cards[style]{
  margin-top:26px !important;
}

.help-card h4{
  margin-bottom:8px;
  font-size:15px;
  line-height:1.3;
}

.help-card p{
  margin-bottom:0;
  color:var(--gray-600);
  font-size:12.75px;
  line-height:1.58;
}

.know-section{
  max-width:1080px;
  margin:42px auto 0;
  padding:0 24px;
}

.know-inner{
  padding:30px 32px;
  border:1px solid #dceef1;
  border-radius:20px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.know-inner > h3{
  margin-bottom:14px;
  font-size:22px;
}

.know-row{
  gap:16px;
  padding:18px 0;
  border-color:#dcecef;
}

.know-row-icon{
  width:44px;
  height:44px;
  flex:0 0 44px;
  background:var(--navy);
}

.know-row-text h4{
  margin-bottom:4px;
  font-size:14px;
}

.know-row-text p{
  max-width:660px;
  color:var(--gray-600);
  font-size:12.75px;
  line-height:1.55;
}

.know-row-link{
  color:var(--blue-dark);
  font-size:11.75px;
  line-height:1.35;
}

.know-view-all{
  margin-top:20px;
  color:var(--blue-dark);
  font-size:12.5px;
}

@media(max-width:700px){
  .not-lender-inner{
    justify-content:flex-start;
    text-align:left;
  }
  .not-lender-inner .btn{
    margin:8px 0 0 72px;
  }
  .know-row{
    align-items:flex-start;
  }
  .know-row-text{
    flex-basis:calc(100% - 60px);
  }
  .know-row-link{
    flex-basis:100%;
    margin:2px 0 0 60px;
    text-align:left;
  }
}

@media(max-width:600px){
  header.container{
    min-height:70px;
    padding:0 12px;
  }
  .logo-img{
    width:180px;
    height:auto;
  }

  .hero-grid{padding:32px 12px 36px}
  .hero-left h1{
    font-size:clamp(38px,12vw,50px);
    letter-spacing:-1.25px;
  }
  .hero-left p.desc{font-size:14.5px}
  .hero-badges{
    gap:9px 12px;
    font-size:12px;
  }
  .hero-illustration{
    padding:12px;
    border-radius:20px;
  }

  .not-lender-banner{
    margin-top:28px;
    padding:0 12px;
  }
  .not-lender-inner{
    padding:20px 18px;
    border-radius:18px;
  }
  .not-lender-inner .btn{
    width:100%;
    margin:8px 0 0;
  }

  .commitment-heading{
    padding:42px 12px 0;
  }

  .help-cards{
    grid-template-columns:1fr;
    gap:10px;
    padding:0 12px 8px;
  }
  .help-card{
    padding:20px 18px;
    border-radius:16px;
  }

  .know-section{
    margin-top:30px;
    padding:0 12px;
  }
  .know-inner{
    padding:22px 18px;
    border-radius:18px;
  }
  .know-row{
    gap:12px;
  }
  .know-row-icon{
    width:40px;
    height:40px;
    flex:0 0 40px;
  }
  .know-row-text{
    flex-basis:calc(100% - 52px);
  }
  .know-row-link{
    margin-left:52px;
  }

  .cta-banner{
    margin:36px 12px 30px;
    padding:28px 20px;
    flex-direction:column;
    align-items:flex-start;
    gap:24px;
    text-align:left;
  }
  .cta-banner-left{
    flex-direction:row;
    align-items:center;
  }
  .cta-banner-right{
    width:100%;
    text-align:center;
  }
  .cta-banner-right .btn{width:100%}

  .important-info{
    margin-bottom:38px;
    padding:0 12px;
  }
  .important-info-inner{
    padding:20px 18px;
    border-radius:16px;
  }

  .footer-grid{
    grid-template-columns:1fr 1fr;
    gap:24px 18px;
  }
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

.last-updated-badge{
  margin:18px 0 0;
  padding:7px 13px;
  border:1px solid #dcecef;
  border-radius:999px;
  background:rgba(255,255,255,.78);
  color:var(--gray-600);
  font-size:12px;
  box-shadow:0 6px 18px rgba(7,81,106,.035);
}

.policy-layout{
  max-width:1180px;
  margin:36px auto 0;
  padding:0 24px;
  grid-template-columns:260px minmax(0,1fr);
  gap:24px;
}

.policy-toc{
  top:94px;
  padding:20px;
  border:1px solid var(--breezy-line);
  border-radius:18px;
  background:#fff;
  box-shadow:0 10px 28px rgba(12,84,105,.04);
}

.policy-toc h5{
  margin-bottom:12px;
  color:var(--gray-500);
  font-size:10.75px;
  letter-spacing:1.1px;
}

.policy-toc ol{gap:2px}

.policy-toc a{
  gap:9px;
  padding:8px 9px;
  border-radius:10px;
  color:var(--gray-600);
  font-size:12.25px;
  line-height:1.3;
}

.policy-toc a:hover{
  background:var(--sky-3);
  color:var(--navy);
}

.policy-toc a .tocnum{
  width:22px;
  height:22px;
  flex:0 0 22px;
  background:#edf5f6;
  color:var(--gray-500);
  font-size:10px;
}

.policy-toc a.active{
  background:var(--sky);
  color:var(--navy);
}

.policy-toc a.active .tocnum{
  background:var(--blue);
  color:#fff;
}

.policy-toc-extra{
  margin-top:14px;
  padding-top:14px;
}

.policy-toc-extra a{
  padding:9px 10px;
  border:1px solid var(--border);
  border-radius:10px;
  color:var(--blue-dark);
  font-size:11.5px;
}

.policy-section{
  margin-bottom:14px;
  padding:30px;
  scroll-margin-top:96px;
  border:1px solid var(--breezy-line);
  border-radius:20px;
  background:#fff;
  box-shadow:0 8px 24px rgba(12,84,105,.03);
}

.policy-section.flash{
  border-color:var(--blue);
  box-shadow:0 0 0 4px rgba(40,169,189,.10),0 10px 28px rgba(7,81,106,.06);
}

.policy-section-head{
  gap:13px;
}

.policy-section-head .secnum{
  width:38px;
  height:38px;
  flex:0 0 38px;
  background:var(--navy);
  font-size:13px;
}

.policy-section-head h2{
  font-size:clamp(19px,2vw,23px);
  line-height:1.2;
}

.policy-section-toggle{color:var(--blue)}

.policy-section-body{
  margin-top:17px;
  padding-left:51px;
}

.policy-section-body h4{
  margin-bottom:7px;
  font-size:14.25px;
}

.policy-section-body > p.lead{
  margin-bottom:17px;
  color:var(--gray-600);
  font-size:13.25px;
  line-height:1.68;
}

.policy-subgrid{
  gap:18px;
  margin-bottom:8px;
}

.policy-subgrid-col{
  padding:18px;
  border:1px solid #e3eff1;
  border-radius:14px;
  background:var(--sky-3);
}

.policy-subgrid-col h4{
  color:var(--navy);
}

.policy-subgrid-col h4 svg{
  color:var(--blue-dark);
}

.policy-list{
  gap:7px;
  margin-top:5px;
}

.policy-list li{
  gap:9px;
  color:var(--gray-600);
  font-size:12.75px;
  line-height:1.55;
}

.policy-list li::before{
  width:6px;
  height:6px;
  margin-top:7px;
  background:var(--blue);
}

.policy-divider{
  margin:18px 0;
  border-color:var(--border);
}

.policy-callout{
  gap:12px;
  margin-top:16px;
  padding:15px 17px;
  border:1px solid #dceef1;
  border-radius:13px;
  background:var(--sky-3);
}

.policy-callout.warn{
  border-color:#efdeda;
  background:#fff8f6;
}

.policy-callout svg{color:var(--navy)}

.policy-callout.warn svg{color:#a9634d}

.policy-callout p{
  color:var(--navy);
  font-size:12.5px;
  line-height:1.58;
}

.party-cards{
  gap:9px;
  margin-bottom:8px;
}

.party-card{
  padding:15px 17px;
  border:1px solid #e3eff1;
  border-radius:13px;
  background:#fff;
}

.party-card h4{
  margin-bottom:4px;
  font-size:13.5px;
}

.party-card p{
  color:var(--gray-600);
  font-size:12.5px;
  line-height:1.55;
}

.policy-inline-cta{
  min-height:42px;
  padding:0 20px;
  border-radius:999px;
  background:linear-gradient(90deg,#1d9fb4,#28b4c9);
  color:#fff;
  font-size:12px;
  box-shadow:0 8px 18px rgba(31,166,190,.12);
}

.policy-inline-cta:hover{
  background:linear-gradient(90deg,#1d9fb4,#28b4c9);
  filter:brightness(.985);
}

.policy-inline-cta.outline{
  background:#fff;
  color:var(--blue-dark);
  border:1px solid var(--border);
  box-shadow:none;
}

.policy-inline-cta.outline:hover{
  border-color:var(--blue);
  background:var(--sky-3);
}

.back-to-top{
  margin-top:19px;
  color:var(--blue-dark);
  font-size:11.75px;
}

.glance-section{
  max-width:1180px;
  margin:28px auto 48px;
  padding:0 24px;
}

.glance-inner{
  padding:30px;
  border:1px solid var(--breezy-line);
  border-radius:20px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.glance-inner h3{
  font-size:clamp(22px,2.5vw,29px);
}

.glance-inner > p{
  margin:6px 0 24px;
  color:var(--gray-500);
  font-size:13.25px;
}

.glance-grid{
  grid-template-columns:repeat(5,1fr);
  gap:12px;
}

.glance-item{
  padding:18px 14px;
  border:1px solid #dfecef;
  border-radius:15px;
  background:#fff;
  transition:transform .15s ease,border-color .15s ease,box-shadow .15s ease;
}

.glance-item:hover{
  transform:translateY(-2px);
  border-color:#c9e5e9;
  box-shadow:0 10px 24px rgba(12,84,105,.05);
}

.glance-item .g-icon{
  width:46px;
  height:46px;
  margin-bottom:11px;
  background:var(--sky-2);
  color:var(--navy);
}

.glance-item h4{
  margin-bottom:5px;
  font-size:13px;
}

.glance-item p{
  color:var(--gray-600);
  font-size:11.75px;
  line-height:1.5;
}

.glance-view-all{
  margin-top:22px;
  color:var(--blue-dark);
  font-size:12.5px;
}

.cta-banner{
  max-width:1180px;
  margin:0 auto 38px;
  padding:34px 42px;
  border-radius:20px;
  background:linear-gradient(90deg,#176876,#0d566b);
  box-shadow:0 16px 38px rgba(7,81,106,.12);
}

@media(max-width:980px){
  .hero-grid{
    grid-template-columns:1fr;
    gap:18px;
    min-height:auto;
    padding:40px 24px 44px;
  }
  .hero-left{max-width:720px}
  .hero-illustration{
    justify-self:start;
    max-width:490px;
    margin-top:6px;
  }
  .policy-layout{
    grid-template-columns:1fr;
    gap:16px;
  }
  .policy-toc{
    position:static;
  }
  .policy-toc ol{
    display:grid;
    grid-template-columns:repeat(2,minmax(0,1fr));
    gap:4px 8px;
  }
  .glance-grid{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:700px){
  .policy-section{
    padding:22px 18px;
  }
  .policy-section-head{cursor:pointer}
  .policy-section-body{
    padding-left:0;
    margin-top:15px;
  }
  .policy-subgrid{
    grid-template-columns:1fr;
    gap:10px;
  }
  .policy-section-toggle{display:flex}
  .policy-section-body{display:none}
  .policy-section.mobile-open .policy-section-body{display:block}
  .policy-section.mobile-open .policy-section-toggle{transform:rotate(180deg)}
  .back-to-top{
    float:none;
    display:flex;
    justify-content:center;
    margin-top:18px;
  }
  .not-lender-inner{
    justify-content:flex-start;
    text-align:left;
  }
  .not-lender-inner .btn{
    margin:8px 0 0 72px;
  }
}

@media(max-width:600px){
  header.container{
    min-height:70px;
    padding:0 12px;
  }
  .logo-img{
    width:180px;
    height:auto;
  }

  .hero-grid{padding:32px 12px 36px}
  .hero-left h1{
    font-size:clamp(38px,12vw,50px);
    letter-spacing:-1.25px;
  }
  .hero-left p.desc{font-size:14.5px}
  .hero-badges{
    gap:9px 12px;
    font-size:12px;
  }
  .hero-illustration{
    padding:12px;
    border-radius:20px;
  }

  .not-lender-banner{
    margin-top:28px;
    padding:0 12px;
  }
  .not-lender-inner{
    padding:20px 18px;
    border-radius:18px;
  }
  .not-lender-inner .btn{
    width:100%;
    margin:8px 0 0;
  }

  .policy-layout{
    margin-top:24px;
    padding:0 12px;
  }
  .policy-toc{
    padding:16px;
    border-radius:16px;
  }
  .policy-toc ol{
    grid-template-columns:1fr;
  }
  .policy-section{
    margin-bottom:10px;
    border-radius:17px;
  }
  .policy-section-head .secnum{
    width:34px;
    height:34px;
    flex:0 0 34px;
  }
  .policy-section-head h2{
    font-size:18px;
  }
  .policy-subgrid-col{
    padding:15px;
  }

  .glance-section{
    margin:24px auto 36px;
    padding:0 12px;
  }
  .glance-inner{
    padding:22px 18px;
    border-radius:18px;
  }
  .glance-grid{
    grid-template-columns:1fr;
    gap:9px;
  }

  .cta-banner{
    margin:0 12px 30px;
    padding:28px 20px;
    flex-direction:column;
    align-items:flex-start;
    gap:24px;
    text-align:left;
  }
  .cta-banner-left{
    flex-direction:row;
    align-items:center;
  }
  .cta-banner-right{
    width:100%;
    text-align:center;
  }
  .cta-banner-right .btn{width:100%}

  .important-info{
    margin-bottom:38px;
    padding:0 12px;
  }
  .important-info-inner{
    padding:20px 18px;
    border-radius:16px;
  }

  .footer-grid{
    grid-template-columns:1fr 1fr;
    gap:24px 18px;
  }
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

.terms-intro{
    max-width:1180px;
    margin:28px auto 0;
    padding:0 24px;
  }

.terms-intro-inner{
    border:1px solid var(--border);
    border-radius:14px;
    padding:30px 34px;
    display:grid;
    grid-template-columns: 1fr 1fr;
    gap:32px;
  }

.terms-intro-left{
    display:flex;
    gap:16px;
  }

.terms-intro-icon{
    width:44px; height:44px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.terms-intro-left h3{
    font-size:17px;
    font-weight:700;
    margin-bottom:8px;
  }

.terms-intro-left p{
    font-size:13.5px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:8px;
  }

.terms-intro-right{
    border-left:1px solid var(--border);
    padding-left:32px;
    display:flex;
    flex-direction:column;
    justify-content:center;
  }

.terms-intro-right p{
    font-size:13.5px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:16px;
  }

.terms-intro-right p a{ color: var(--blue-dark); font-weight:700; }

.terms-intro-right .btn{
    align-self:flex-start;
    font-size:13px;
    padding:12px 22px;
    background:#fff;
    color: var(--blue-dark);
    border:1.5px solid var(--border);
  }

.terms-intro-right .btn:hover{ border-color: var(--blue); }

@media (max-width: 800px){
    .terms-intro-inner{ grid-template-columns:1fr; }
    .terms-intro-right{ border-left:none; border-top:1px solid var(--border); padding-left:0; padding-top:20px; }
  }

.arbitration-banner{
    background:#fdf3f0;
    border:1px solid #f0d9d0;
    border-radius:10px;
    padding:18px 20px;
    margin-bottom:18px;
    display:flex;
    gap:12px;
    align-items:flex-start;
  }

.arbitration-banner svg{ color:#c26848; flex-shrink:0; margin-top:2px; }

.arbitration-banner .flag-label{
    display:block;
    font-size:12px;
    font-weight:800;
    letter-spacing:0.4px;
    color:#c26848;
    margin-bottom:4px;
  }

.arbitration-banner p{
    font-size:13px;
    color: var(--navy);
    font-weight:700;
    line-height:1.5;
  }

.hero-left p.desc{
  max-width:580px;
  margin-top:20px;
  color:var(--gray-600);
  font-size:16px;
  line-height:1.6;
}

.terms-intro{
  max-width:1080px;
  margin:38px auto 0;
  padding:0 24px;
}

.terms-intro-inner{
  grid-template-columns:minmax(0,1.15fr) minmax(280px,.85fr);
  gap:26px;
  padding:28px 30px;
  border:1px solid #dceef1;
  border-radius:20px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 10px 30px rgba(12,84,105,.04);
}

.terms-intro-left{gap:16px}

.terms-intro-icon{
  width:50px;
  height:50px;
  flex:0 0 50px;
  background:var(--navy);
  color:#fff;
}

.terms-intro-left h3{
  margin-bottom:7px;
  font-size:18px;
}

.terms-intro-left p,
.terms-intro-right p{
  color:var(--gray-600);
  font-size:13px;
  line-height:1.62;
}

.terms-intro-right{
  padding-left:26px;
  border-color:#dcecef;
}

.terms-intro-right p a{color:var(--blue-dark)}

.terms-intro-right .btn{
  min-height:42px;
  padding:0 20px;
  border:1px solid var(--border);
  border-radius:999px;
  background:#fff;
  color:var(--blue-dark);
  box-shadow:none;
  font-size:12px;
}

.terms-intro-right .btn:hover{
  border-color:var(--blue);
  background:#fff;
}

.policy-layout{
  max-width:1180px;
  margin:34px auto 0;
  padding:0 24px;
  grid-template-columns:270px minmax(0,1fr);
  gap:24px;
}

.policy-toc{
  top:94px;
  max-height:calc(100vh - 118px);
  overflow:auto;
  overscroll-behavior:contain;
  padding:18px;
  border:1px solid var(--breezy-line);
  border-radius:18px;
  background:#fff;
  box-shadow:0 10px 28px rgba(12,84,105,.04);
  scrollbar-width:thin;
}

.policy-toc h5{
  margin-bottom:11px;
  color:var(--gray-500);
  font-size:10.75px;
  letter-spacing:1.1px;
}

.policy-toc ol{gap:1px}

.policy-toc a{
  gap:8px;
  padding:7px 8px;
  border-radius:9px;
  color:var(--gray-600);
  font-size:11.75px;
  line-height:1.28;
}

.policy-toc a .tocnum{
  width:21px;
  height:21px;
  flex:0 0 21px;
  background:#edf5f6;
  color:var(--gray-500);
  font-size:9.75px;
}

.policy-toc-extra{
  margin-top:13px;
  padding-top:13px;
}

.policy-toc-extra a{
  padding:8px 9px;
  border:1px solid var(--border);
  border-radius:9px;
  color:var(--blue-dark);
  font-size:11px;
}

.policy-section-head .secnum{
  width:38px;
  height:38px;
  flex:0 0 38px;
  background:var(--navy);
  font-size:12.5px;
}

.policy-section-body p:not(.lead):not(.note){
  line-height:1.65;
}

.party-cards{gap:9px}

.arbitration-banner{
  gap:12px;
  margin-bottom:18px;
  padding:17px 18px;
  border:1px solid #efdeda;
  border-radius:14px;
  background:#fff8f6;
}

.arbitration-banner svg{color:#a9634d}

.arbitration-banner .flag-label{
  margin-bottom:5px;
  color:#a9634d;
  font-size:11px;
}

.arbitration-banner p{
  color:var(--navy);
  font-size:12.75px;
  line-height:1.55;
}

.legal-box{
  padding:17px 18px;
  border:1px solid #dcecef;
  border-radius:14px;
  background:var(--sky-3);
  color:var(--navy);
}

.legal-box p{
  font-size:12.5px;
  line-height:1.65;
}

@media(max-width:980px){
  .hero-grid{
    grid-template-columns:1fr;
    gap:18px;
    min-height:auto;
    padding:40px 24px 44px;
  }
  .hero-left{max-width:720px}
  .hero-illustration{
    justify-self:start;
    max-width:490px;
    margin-top:6px;
  }

  .policy-layout{
    grid-template-columns:1fr;
    gap:16px;
  }
  .policy-toc{
    position:static;
    max-height:none;
    overflow:visible;
  }
  .policy-toc ol{
    display:grid;
    grid-template-columns:repeat(2,minmax(0,1fr));
    gap:3px 8px;
  }

  .footer-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:800px){
  .terms-intro-inner{
    grid-template-columns:1fr;
  }
  .terms-intro-right{
    padding:20px 0 0;
    border-left:0;
    border-top:1px solid var(--border);
  }
}

@media(max-width:700px){
  .policy-section{
    padding:22px 18px;
  }
  .policy-section-head{cursor:pointer}
  .policy-section-body{
    padding-left:0;
    margin-top:15px;
  }
  .policy-section-toggle{display:flex}
  .policy-section-body{display:none}
  .policy-section.mobile-open .policy-section-body{display:block}
  .policy-section.mobile-open .policy-section-toggle{transform:rotate(180deg)}
  .back-to-top{
    float:none;
    display:flex;
    justify-content:center;
    margin-top:18px;
  }
}

@media(max-width:600px){
  header.container{
    min-height:70px;
    padding:0 12px;
  }
  .logo-img{
    width:180px;
    height:auto;
  }

  .hero-grid{padding:32px 12px 36px}
  .hero-left h1{
    font-size:clamp(38px,12vw,50px);
    letter-spacing:-1.25px;
  }
  .hero-left p.desc{font-size:14.5px}
  .hero-badges{
    gap:9px 12px;
    font-size:12px;
  }
  .hero-illustration{
    padding:12px;
    border-radius:20px;
  }

  .terms-intro{
    margin-top:28px;
    padding:0 12px;
  }
  .terms-intro-inner{
    padding:22px 18px;
    border-radius:18px;
  }

  .policy-layout{
    margin-top:24px;
    padding:0 12px;
  }
  .policy-toc{
    padding:16px;
    border-radius:16px;
  }
  .policy-toc ol{
    grid-template-columns:1fr;
  }
  .policy-section{
    margin-bottom:10px;
    border-radius:17px;
  }
  .policy-section-head .secnum{
    width:34px;
    height:34px;
    flex:0 0 34px;
  }
  .policy-section-head h2{
    font-size:18px;
  }

  .cta-banner{
    margin:36px 12px 30px;
    padding:28px 20px;
    flex-direction:column;
    align-items:flex-start;
    gap:24px;
    text-align:left;
  }
  .cta-banner-left{
    flex-direction:row;
    align-items:center;
  }
  .cta-banner-right{
    width:100%;
    text-align:center;
  }
  .cta-banner-right .btn{width:100%}

  .important-info{
    margin-bottom:38px;
    padding:0 12px;
  }
  .important-info-inner{
    padding:20px 18px;
    border-radius:16px;
  }

  .footer-grid{
    grid-template-columns:1fr 1fr;
    gap:24px 18px;
  }
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

.topic-grid.three-col{ grid-template-columns: repeat(3, 1fr); }

@media (max-width: 900px){
    .topic-grid.three-col{ grid-template-columns: 1fr 1fr; }
  }

@media (max-width: 800px){
    .topic-grid{ grid-template-columns:1fr; }
    .topic-grid.three-col{ grid-template-columns:1fr; }
  }

.state-select-section{
    max-width:1180px;
    margin:44px auto 0;
    padding:0 24px;
  }

.state-select-inner{
    border:1px solid var(--border);
    border-radius:16px;
    padding:34px;
  }

.state-select-inner h3{
    font-size:19px;
    font-weight:700;
    margin-bottom:4px;
  }

.state-select-inner > p{
    font-size:13px;
    color: var(--gray-500);
    margin-bottom:18px;
  }

#stateSelect{
    width:100%;
    max-width:420px;
    padding:13px 16px;
    border:1.5px solid var(--border);
    border-radius:9px;
    font-family:inherit;
    font-size:14.5px;
    font-weight:600;
    color: var(--navy);
    background: var(--sky);
  }

#stateSelect:focus{ outline:none; border-color: var(--blue); background:#fff; }

.state-result{
    display:none;
    margin-top:22px;
    background: var(--sky);
    border-radius:12px;
    padding:22px 24px;
  }

.state-result.show{ display:block; }

.state-result h4{
    font-size:15px;
    font-weight:700;
    margin-bottom:8px;
  }

.state-result p{
    font-size:13.5px;
    color: var(--navy);
    line-height:1.6;
    margin-bottom:10px;
  }

.state-result-disclaimer{
    font-size:12px;
    color: var(--gray-600);
    line-height:1.55;
    padding-top:10px;
    border-top:1px solid var(--border-2, rgba(60,94,96,0.15));
  }

.state-depends-list{
    margin-top:18px;
    padding-top:18px;
    border-top:1px solid var(--border);
  }

.state-depends-list p{
    font-size:12.5px;
    font-weight:700;
    color: var(--gray-500);
    text-transform:uppercase;
    letter-spacing:0.4px;
    margin-bottom:10px;
  }

.state-depends-list ul{
    list-style:none;
    display:grid;
    grid-template-columns: repeat(3, 1fr);
    gap:8px;
  }

.state-depends-list ul li{
    display:flex;
    align-items:center;
    gap:7px;
    font-size:13px;
    color: var(--navy);
    font-weight:600;
  }

.state-depends-list ul li svg{ color: var(--blue-dark); flex-shrink:0; }

@media (max-width: 700px){
    .state-depends-list ul{ grid-template-columns: 1fr 1fr; }
  }

.state-table-section{
    max-width:1180px;
    margin:24px auto 0;
    padding:0 24px;
  }

.state-table-inner{
    border:1px solid var(--border);
    border-radius:16px;
    padding:30px 34px;
  }

.state-table-inner > h3{ font-size:19px; font-weight:700; margin-bottom:14px; }

.state-table-disclaimer{
    display:flex;
    gap:10px;
    background: var(--sky);
    border-radius:10px;
    padding:14px 16px;
    margin-bottom:18px;
  }

.state-table-disclaimer svg{ color: var(--blue-dark); flex-shrink:0; margin-top:2px; }

.state-table-disclaimer p{ font-size:12.5px; color: var(--navy); font-weight:600; line-height:1.55; }

table.state-table{
    width:100%;
    min-width:560px;
    border-collapse:collapse;
  }

.table-scroll{
    overflow-x:auto;
    -webkit-overflow-scrolling:touch;
  }

table.state-table th{
    text-align:left;
    font-size:11px;
    font-weight:800;
    letter-spacing:0.4px;
    text-transform:uppercase;
    color: var(--gray-500);
    padding:8px 10px;
    border-bottom:1px solid var(--border);
  }

table.state-table td{
    padding:12px 10px;
    font-size:13px;
    color: var(--gray-600);
    border-bottom:1px solid var(--border);
    vertical-align:top;
  }

table.state-table td.st-name{
    font-weight:700;
    color: var(--navy);
    white-space:nowrap;
    width:150px;
  }

table.state-table td.st-name .dot{
    display:inline-block;
    width:8px; height:8px;
    border-radius:50%;
    margin-right:7px;
  }

.dot.d-open{ background:#3f9d6f; }

.dot.d-mixed{ background:#e0ac52; }

.dot.d-restricted{ background:#c26848; }

table.state-table td.st-link{
    white-space:nowrap;
    width:90px;
    text-align:right;
  }

table.state-table td.st-link button{
    font-size:12px;
    font-weight:700;
    color: var(--blue-dark);
    background:none;
  }

.state-table-footer{
    display:flex;
    justify-content:space-between;
    align-items:center;
    flex-wrap:wrap;
    gap:14px;
    margin-top:18px;
  }

.view-all-states{
    font-size:13px;
    font-weight:700;
    color: var(--blue-dark);
    display:inline-flex;
    align-items:center;
    gap:6px;
  }

#fullStateTableWrap{ display:none; margin-top:6px; }

#fullStateTableWrap.show{ display:block; }

.state-regulator-row{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:16px;
    flex-wrap:wrap;
    background: var(--sky);
    border-radius:10px;
    padding:16px 20px;
    margin-top:20px;
  }

.state-regulator-row p{
    font-size:12.5px;
    color: var(--navy);
    font-weight:600;
    display:flex;
    align-items:center;
    gap:8px;
  }

.state-regulator-row .btn{
    font-size:12.5px;
    padding:11px 20px;
    white-space:nowrap;
  }

@media (max-width: 700px){
    table.state-table{ font-size:12px; }
    table.state-table td.st-name{ width:auto; }
  }

.process-section{
    max-width:1180px;
    margin:44px auto 0;
    padding:0 24px;
  }

.process-inner{
    border:1px solid var(--border);
    border-radius:16px;
    padding:36px;
  }

.process-inner > h3{
    text-align:center;
    font-size:20px;
    font-weight:700;
    margin-bottom:30px;
  }

.process-steps-row{
    display:flex;
    align-items:flex-start;
    justify-content:center;
    gap:6px;
  }

.process-step{
    width:230px;
    text-align:center;
  }

.process-step-num{
    width:34px; height:34px;
    border-radius:50%;
    background: var(--blue);
    color:#fff;
    font-size:13px;
    font-weight:800;
    display:flex; align-items:center; justify-content:center;
    margin:0 auto 12px;
  }

.process-step-icon{
    width:56px; height:56px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    margin:0 auto 14px;
  }

.process-step h4{ font-size:13.5px; font-weight:700; margin-bottom:6px; }

.process-step p{ font-size:12.5px; color: var(--gray-600); line-height:1.5; }

.process-arrow{ margin-top:60px; color:#a9c8ca; flex-shrink:0; }

.process-footnote{
    display:flex;
    align-items:center;
    justify-content:center;
    gap:8px;
    margin-top:26px;
    padding-top:20px;
    border-top:1px solid var(--border);
    font-size:12.5px;
    color: var(--gray-600);
    font-weight:600;
    text-align:center;
  }

@media (max-width: 900px){
    .process-steps-row{ flex-direction:column; align-items:center; gap:26px; }
    .process-arrow{ transform:rotate(90deg); margin-top:0; }
  }

.supp-cards{
    max-width:1180px;
    margin:36px auto 0;
    padding:0 24px;
    display:grid;
    grid-template-columns: repeat(3, 1fr);
    gap:20px;
  }

@media (max-width: 900px){
    .supp-cards{ grid-template-columns:1fr; }
  }

.not-lender-inner .btn{
    margin-left:auto;
    white-space:nowrap;
    font-size:13px;
    padding:12px 22px;
    background:#fff;
    color: var(--blue-dark);
    border:1.5px solid var(--border);
  }

.not-lender-inner .btn:hover{ border-color: var(--blue); }

.commitment-section{
    max-width:1180px;
    margin:44px auto 0;
    padding:0 24px;
    text-align:center;
  }

.commitment-section h2{ font-size:26px; font-weight:700; }

.commitment-section > p{ font-size:14px; color: var(--gray-500); margin-top:6px; }

.commitment-grid{
    display:grid;
    grid-template-columns: repeat(7, 1fr);
    gap:12px;
    margin-top:30px;
  }

.commitment-grid.six-col{ grid-template-columns: repeat(6, 1fr); }

.commitment-card{
    border:1px solid var(--border);
    border-radius:12px;
    padding:18px 12px;
  }

.commitment-card .cc-icon{
    width:38px; height:38px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    margin:0 auto 12px;
  }

.commitment-card h4{ font-size:12.5px; font-weight:700; margin-bottom:6px; }

.commitment-card p{ font-size:11px; color: var(--gray-600); line-height:1.45; }

@media (max-width: 1000px){
    .commitment-grid{ grid-template-columns: repeat(4, 1fr); }
    .commitment-grid.six-col{ grid-template-columns: repeat(3, 1fr); }
  }

@media (max-width: 600px){
    .commitment-grid{ grid-template-columns: repeat(2, 1fr); }
    .commitment-grid.six-col{ grid-template-columns: repeat(2, 1fr); }
  }

.three-col-section{
    max-width:1180px;
    margin:36px auto 0;
    padding:0 24px;
    display:grid;
    grid-template-columns: repeat(3, 1fr);
    gap:20px;
    align-items:stretch;
  }

.three-col-section.two-col{ grid-template-columns: 1fr 1fr; }

@media (max-width: 900px){
    .three-col-section{ grid-template-columns:1fr; }
    .three-col-section.two-col{ grid-template-columns:1fr; }
  }

.info-panel{
    border-radius:14px;
    padding:26px;
  }

.info-panel.tint-green{ background:#eef7f1; }

.info-panel.tint-blue{ background: var(--sky); }

.info-panel.tint-warn{ background:#fdf3f0; }

.info-panel.tint-plain{ border:1px solid var(--border); background:#fff; }

.info-panel h3{ font-size:16px; font-weight:700; margin-bottom:3px; }

.info-panel > p.sub{ font-size:12.5px; color: var(--gray-600); margin-bottom:14px; }

.info-panel .check-list{ list-style:none; display:flex; flex-direction:column; gap:9px; }

.info-panel .check-list li{
    display:flex;
    align-items:flex-start;
    gap:8px;
    font-size:12.5px;
    color: var(--navy);
    font-weight:500;
    line-height:1.4;
  }

.info-panel .check-list li svg{ color:#3f9d6f; flex-shrink:0; margin-top:2px; }

.info-panel .check-list.x-list li svg{ color:#c26848; }

.info-panel-footer{
    display:flex;
    align-items:center;
    gap:10px;
    margin-top:16px;
    padding-top:14px;
    border-top:1px solid rgba(0,0,0,0.06);
    font-size:11.5px;
    color: var(--gray-600);
  }

.info-panel-footer svg{ flex-shrink:0; color: var(--blue-dark); }

.repay-visual{ display:flex; flex-direction:column; align-items:center; gap:8px; margin:6px 0 16px; }

.repay-box{
    width:100%;
    border-radius:10px;
    padding:14px 18px;
    text-align:center;
  }

.repay-box.borrow{ background:#dcf0e3; color:#2c7a4b; }

.repay-box.fees{ background:#e4e9f5; color:#4c5c9e; }

.repay-box.total{ background: var(--navy); color:#fff; }

.repay-box .rb-label{ font-size:10.5px; font-weight:800; letter-spacing:0.4px; margin-bottom:4px; }

.repay-box .rb-amt{ font-size:19px; font-weight:800; }

.repay-arrow-down{ color:#a9c8ca; }

.warn-list{ list-style:none; display:flex; flex-direction:column; gap:7px; margin:12px 0; }

.warn-list li{ font-size:12.5px; color: var(--navy); font-weight:600; display:flex; align-items:flex-start; gap:7px; }

.warn-list li::before{ content:"•"; color:#c26848; font-weight:800; }

.warn-note{ font-size:12px; color:#a5522f; font-weight:700; margin-top:12px; }

.alt-list{ list-style:none; display:flex; flex-direction:column; gap:14px; }

.alt-list li{ display:flex; gap:12px; }

.alt-list .alt-icon{
    width:32px; height:32px;
    border-radius:8px;
    background:#eef7f1;
    color:#3f9d6f;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.alt-list h5{ font-size:13px; font-weight:700; margin-bottom:2px; }

.alt-list p{ font-size:12px; color: var(--gray-600); line-height:1.4; }

.alt-link{
    display:inline-flex; align-items:center; gap:6px;
    margin-top:14px;
    font-size:12.5px; font-weight:700; color: var(--blue-dark);
  }

.dd-block{ margin-bottom:18px; }

.dd-block h5{ font-size:12.5px; font-weight:800; letter-spacing:0.3px; text-transform:uppercase; color: var(--gray-500); margin-bottom:10px; }

.mini-process{ display:flex; flex-direction:column; }

.mini-process-step{ display:flex; gap:12px; padding-bottom:16px; position:relative; }

.mini-process-step:not(:last-child)::before{
    content:"";
    position:absolute; left:14px; top:30px;
    width:1px; height:calc(100% - 22px);
    background: var(--border);
  }

.mini-process-num{
    width:28px; height:28px; border-radius:50%;
    background: var(--blue); color:#fff;
    font-size:11px; font-weight:800;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0; z-index:1;
  }

.mini-process-step h5{ font-size:13px; font-weight:700; margin-bottom:2px; }

.mini-process-step p{ font-size:12px; color: var(--gray-600); line-height:1.45; }

:root{
  --navy:#07516a;
  --navy-2:#0b6380;
  --blue:#28a9bd;
  --blue-dark:#1685a0;
  --sky:#e9f8fb;
  --sky-2:#d8f1f5;
  --sky-3:#f5fcfd;
  --green:#07516a;
  --green-dark:#063f53;
  --gray-600:#1b596d;
  --gray-500:#5e7f8a;
  --border:#dcecef;
  --white:#fff;
  --breezy-line:#e6f2f4;
  --breezy-shadow:0 18px 48px rgba(7,81,106,.10);
}

.hero-grid{
  grid-template-columns:minmax(0,1.08fr) minmax(360px,.92fr);
  gap:54px;
  min-height:520px;
  padding:48px 24px 52px;
}

.hero-left{
  max-width:640px;
  padding:0;
}

.hero-left h1{
  max-width:590px;
  font-size:clamp(46px,5vw,64px);
  line-height:.99;
  letter-spacing:-1.8px;
}

.hero-left p.desc{
  max-width:580px;
  margin-top:20px;
  color:var(--gray-600);
  font-size:16px;
  line-height:1.62;
}

.hero-fee-note{
  margin:20px 0 0;
  padding:14px 16px;
  border:1px solid #dceef1;
  border-radius:14px;
  background:rgba(255,255,255,.72);
  color:var(--navy);
}

.hero-fee-note svg{
  color:var(--blue-dark);
  flex:0 0 auto;
}

.hero-fee-note p{
  color:var(--navy);
  font-size:12.75px;
  line-height:1.5;
}

.hero-left .btn-green{
  margin-top:24px;
  min-height:50px;
  padding:0 30px;
  font-size:14px;
}

.not-lender-banner{
  max-width:1080px;
  margin:36px auto 0;
  padding:0 24px;
}

.not-lender-inner .btn{
  min-height:44px;
  padding:0 22px;
  border:1px solid var(--border);
  border-radius:999px;
  background:#fff;
  color:var(--blue-dark);
  font-size:12px;
  box-shadow:none;
}

.not-lender-inner .btn:hover{
  border-color:var(--blue);
  background:#fff;
}

.fee-cards{
  max-width:1180px;
  margin:36px auto 0;
  gap:18px;
}

.fee-card{
  padding:26px;
  border:1px solid var(--breezy-line);
  border-radius:20px;
  background:#fff;
  box-shadow:0 8px 24px rgba(12,84,105,.03);
}

.fee-card-head{
  gap:11px;
  margin-bottom:14px;
}

.fee-card-head .fc-icon{
  width:38px;
  height:38px;
  flex:0 0 38px;
  background:var(--sky-2);
  color:var(--navy);
}

.fee-card-head h3{
  font-size:16px;
  line-height:1.3;
}

.fee-card p{
  color:var(--gray-600);
  font-size:12.75px;
  line-height:1.58;
}

.fee-card-note{
  margin-top:14px;
  padding:14px 15px;
  border:1px solid #dceef1;
  border-radius:12px;
  background:var(--sky-3);
}

.fee-card-note p{
  color:var(--navy);
  font-size:12px;
}

.fee-card-note a{
  color:var(--blue-dark);
}

.fee-step-num{
  background:var(--navy);
  color:#fff;
}

.fee-step:not(:last-child)::before{
  background:#dcecef;
}

.commitment-section{
  max-width:1180px;
  margin:54px auto 0;
  padding:0 24px;
}

.commitment-section h2{
  font-size:clamp(27px,3vw,36px);
  line-height:1.12;
}

.commitment-section > p{
  max-width:680px;
  margin:8px auto 0;
  color:var(--gray-500);
  font-size:13.5px;
  line-height:1.58;
}

.commitment-grid{
  gap:12px;
  margin-top:26px;
}

.commitment-card{
  min-height:155px;
  padding:20px 14px;
  border:1px solid var(--breezy-line);
  border-radius:17px;
  background:#fff;
  box-shadow:0 7px 20px rgba(12,84,105,.025);
}

.commitment-card .cc-icon{
  width:44px;
  height:44px;
  margin-bottom:12px;
  background:var(--sky-2);
  color:var(--navy);
}

.commitment-card h4{
  font-size:12.75px;
}

.commitment-card p{
  color:var(--gray-600);
  font-size:11.25px;
  line-height:1.5;
}

.three-col-section{
  max-width:1180px;
  gap:18px;
  margin-top:28px;
}

.info-panel{
  padding:28px;
  border:1px solid var(--breezy-line);
  border-radius:20px;
  box-shadow:0 8px 24px rgba(12,84,105,.025);
}

.info-panel.tint-plain{
  border-color:var(--breezy-line);
  background:#fff;
}

.info-panel.tint-blue{
  border-color:#dceef1;
  background:linear-gradient(180deg,#f4fcfd,#eaf8fa);
}

.info-panel.tint-green{
  border-color:#dcebe3;
  background:#f5fbf7;
}

.info-panel.tint-warn{
  border-color:#efdfda;
  background:#fff9f7;
}

.info-panel h3{
  margin-bottom:4px;
  font-size:17px;
}

.info-panel > p.sub{
  margin-bottom:15px;
  color:var(--gray-500);
  font-size:12.25px;
}

.info-panel .check-list{
  gap:10px;
}

.info-panel .check-list li{
  color:var(--gray-600);
  font-size:12.5px;
  line-height:1.5;
}

.info-panel .check-list li svg{
  color:var(--blue-dark);
}

.info-panel-footer{
  border-color:var(--border);
  color:var(--gray-500);
}

.warn-list{
  gap:7px;
}

.warn-list li{
  color:var(--gray-600);
  font-size:12.5px;
  line-height:1.5;
}

.warn-list li::before{
  color:#a9634d;
}

.warn-note{
  color:#9b5b45;
  line-height:1.55;
}

.most-important{
  max-width:1080px;
  margin:26px auto 0;
}

.most-important-inner{
  gap:18px;
  padding:26px 28px;
  border:1px solid #dceef1;
  border-radius:20px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 10px 30px rgba(12,84,105,.035);
}

.most-important-icon{
  width:50px;
  height:50px;
  flex:0 0 50px;
  background:var(--navy);
}

.most-important-inner h3{
  font-size:17px;
}

.most-important-inner p{
  color:var(--gray-600);
  font-size:12.75px;
}

.most-important-inner ul{
  gap:5px 22px;
}

.most-important-inner ul li{
  color:var(--navy);
  font-size:12.5px;
}

.most-important-inner p.bold-note{
  color:var(--navy);
}

.faq-preview-section{
  max-width:1180px;
  margin:52px auto 0;
}

.faq-preview-section > h2{
  margin-bottom:20px;
  font-size:clamp(27px,3vw,34px);
  text-align:center;
}

.faq-preview-grid{
  gap:12px;
}

.faq-preview-card{
  padding:19px;
  border:1px solid var(--breezy-line);
  border-radius:17px;
  background:#fff;
  box-shadow:0 7px 20px rgba(12,84,105,.025);
}

.faq-preview-card .fp-num{
  width:28px;
  height:28px;
  background:var(--sky-2);
  color:var(--navy);
}

.faq-preview-card h4{
  font-size:13px;
  line-height:1.4;
}

.faq-preview-card p{
  color:var(--gray-600);
  font-size:11.75px;
  line-height:1.55;
}

.faq-preview-card a{
  color:var(--blue-dark);
}

.faq-preview-cta .btn{
  min-height:44px;
  padding:0 22px;
  border:1px solid var(--border);
  border-radius:999px;
  background:#fff;
  color:var(--navy);
  box-shadow:none;
}

.faq-preview-cta .btn:hover{
  border-color:var(--blue);
}

.cta-banner{
  max-width:1180px;
  margin:48px auto 38px;
  padding:34px 42px;
  border-radius:20px;
  background:linear-gradient(90deg,#176876,#0d566b);
  box-shadow:0 16px 38px rgba(7,81,106,.12);
}

@media(max-width:1000px){
  .commitment-grid{
    grid-template-columns:repeat(3,1fr);
  }
  .faq-preview-grid{
    grid-template-columns:repeat(2,1fr);
  }
}

@media(max-width:980px){
  .hero-grid{
    grid-template-columns:1fr;
    gap:18px;
    min-height:auto;
    padding:40px 24px 44px;
  }
  .hero-left{max-width:720px}
  .hero-illustration{
    justify-self:start;
    max-width:490px;
    margin-top:6px;
  }
  .footer-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:900px){
  .fee-cards{
    grid-template-columns:1fr;
  }
  .three-col-section,
  .three-col-section.two-col{
    grid-template-columns:1fr;
  }
}

@media(max-width:700px){
  .not-lender-inner{
    justify-content:flex-start;
    text-align:left;
  }
  .not-lender-inner .btn{
    width:100%;
    margin:8px 0 0;
  }
  .most-important-inner{
    flex-direction:column;
  }
  .most-important-inner ul{
    grid-template-columns:1fr 1fr;
  }
}

@media(max-width:600px){
  header.container{
    min-height:70px;
    padding:0 12px;
  }
  .logo-img{
    width:180px;
    height:auto;
  }

  .hero-grid{padding:32px 12px 36px}
  .hero-left h1{
    font-size:clamp(38px,12vw,50px);
    letter-spacing:-1.25px;
  }
  .hero-left p.desc{font-size:14.5px}
  .hero-badges{
    gap:9px 12px;
    font-size:12px;
  }
  .hero-illustration{
    padding:12px;
    border-radius:20px;
  }

  .not-lender-banner,
  .fee-cards,
  .commitment-section,
  .three-col-section,
  .most-important,
  .faq-preview-section{
    padding-left:12px;
    padding-right:12px;
  }

  .fee-card,
  .info-panel{
    padding:21px 18px;
    border-radius:17px;
  }

  .commitment-section{
    margin-top:42px;
  }
  .commitment-grid{
    grid-template-columns:1fr 1fr;
    gap:9px;
  }
  .commitment-card{
    min-height:145px;
    padding:18px 12px;
  }

  .most-important-inner{
    padding:21px 18px;
    border-radius:17px;
  }
  .most-important-inner ul{
    grid-template-columns:1fr;
  }

  .faq-preview-grid{
    grid-template-columns:1fr;
  }

  .cta-banner{
    margin:38px 12px 30px;
    padding:28px 20px;
    flex-direction:column;
    align-items:flex-start;
    gap:24px;
    text-align:left;
  }
  .cta-banner-left{
    flex-direction:row;
    align-items:center;
  }
  .cta-banner-right{
    width:100%;
    text-align:center;
  }
  .cta-banner-right .btn{width:100%}

  .important-info{
    margin-bottom:38px;
    padding:0 12px;
  }
  .important-info-inner{
    padding:20px 18px;
    border-radius:16px;
  }

  .footer-grid{
    grid-template-columns:1fr 1fr;
    gap:24px 18px;
  }
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

@media(max-width:390px){
  .commitment-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .footer-logo,
  .footer-cta{grid-column:auto}
}

.hero-grid{
  grid-template-columns:minmax(0,1.08fr) minmax(360px,.92fr);
  gap:54px;
  min-height:515px;
  padding:48px 24px 52px;
}

.hero-left h1{
  max-width:600px;
  font-size:clamp(46px,5vw,64px);
  line-height:.99;
  letter-spacing:-1.8px;
}

.hero-fee-note{
  margin:20px 0 0;
  padding:14px 16px;
  border:1px solid #dceef1;
  border-radius:14px;
  background:rgba(255,255,255,.74);
  color:var(--navy);
}

.hero-fee-note svg{
  flex:0 0 auto;
  color:var(--blue-dark);
}

.most-important{
  max-width:1080px;
  margin:38px auto 0;
  padding:0 24px;
}

.most-important-inner{
  gap:18px;
  padding:27px 29px;
  border:1px solid #dceef1;
  border-radius:20px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 10px 30px rgba(12,84,105,.035);
}

.most-important-inner h3{
  margin-bottom:5px;
  font-size:18px;
}

.most-important-inner p{
  color:var(--gray-600);
  font-size:12.75px;
  line-height:1.58;
}

.most-important-inner ul{
  gap:6px 22px;
}

.fee-cards,
.supp-cards{
  max-width:1180px;
  margin:36px auto 0;
  gap:18px;
}

.state-select-section{
  max-width:1080px;
  margin:48px auto 0;
  padding:0 24px;
}

.state-select-inner{
  padding:32px;
  border:1px solid #dceef1;
  border-radius:22px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 12px 34px rgba(12,84,105,.045);
}

.state-select-inner h3{
  margin-bottom:5px;
  font-size:22px;
}

.state-select-inner > p{
  margin-bottom:18px;
  color:var(--gray-600);
  font-size:13px;
}

#stateSelect{
  width:100%;
  max-width:460px;
  min-height:50px;
  padding:0 15px;
  border:1.5px solid var(--border);
  border-radius:12px;
  background:#fff;
  color:var(--navy);
  font-size:14px;
  font-weight:600;
  box-shadow:0 5px 16px rgba(7,81,106,.025);
}

#stateSelect:focus{
  outline:none;
  border-color:var(--blue);
  background:#fff;
  box-shadow:0 0 0 4px rgba(40,169,189,.09);
}

.state-result{
  margin-top:20px;
  padding:20px 22px;
  border:1px solid #cfe7eb;
  border-radius:15px;
  background:#fff;
}

.state-result h4{
  margin-bottom:7px;
  font-size:17px;
}

.state-result p{
  color:var(--gray-600);
  font-size:12.75px;
  line-height:1.6;
}

.state-result-disclaimer{
  margin-top:11px;
  padding-top:11px;
  border-color:var(--border);
  color:var(--gray-500) !important;
  font-size:11.5px !important;
}

.state-depends-list{
  margin-top:22px;
  padding-top:19px;
  border-color:var(--border);
}

.state-depends-list p{
  margin-bottom:11px;
  color:var(--gray-500);
  font-size:10.75px;
  letter-spacing:.8px;
}

.state-depends-list ul{
  gap:9px 14px;
}

.state-depends-list ul li{
  padding:8px 10px;
  border:1px solid #e3eff1;
  border-radius:10px;
  background:rgba(255,255,255,.72);
  color:var(--navy);
  font-size:12px;
}

.state-depends-list ul li svg{
  color:var(--blue-dark);
}

.state-table-inner{
  padding:30px 32px;
  border:1px solid var(--breezy-line);
  border-radius:22px;
  background:#fff;
  box-shadow:0 10px 30px rgba(12,84,105,.035);
}

.state-table-inner > h3{
  margin-bottom:14px;
  font-size:22px;
}

.state-table-disclaimer{
  gap:11px;
  padding:15px 17px;
  margin-bottom:20px;
  border:1px solid #dceef1;
  border-radius:13px;
  background:var(--sky-3);
}

.state-table-disclaimer svg{
  flex:0 0 auto;
  color:var(--navy);
}

.state-table-disclaimer p{
  color:var(--gray-600);
  font-size:11.75px;
  font-weight:500;
  line-height:1.6;
}

.table-scroll{
  border:1px solid #e7f0f2;
  border-radius:14px;
  overflow-x:auto;
}

table.state-table{
  min-width:620px;
  border-collapse:separate;
  border-spacing:0;
}

table.state-table th{
  padding:11px 12px;
  border-bottom:1px solid var(--border);
  background:var(--sky-3);
  color:var(--gray-500);
  font-size:10.5px;
  letter-spacing:.65px;
}

table.state-table td{
  padding:13px 12px;
  border-bottom:1px solid #e9f1f2;
  color:var(--gray-600);
  font-size:12.25px;
  line-height:1.48;
}

table.state-table tbody tr:last-child td{border-bottom:0}

table.state-table tbody tr:hover td{background:#fbfefe}

table.state-table td.st-name{
  width:160px;
  color:var(--navy);
  font-size:12.5px;
}

table.state-table td.st-name .dot{
  width:8px;
  height:8px;
  margin-right:8px;
}

.dot.d-open{background:#4fa878}

.dot.d-mixed{background:#d3a84f}

.dot.d-restricted{background:#bf6f59}

table.state-table td.st-link{
  width:105px;
}

table.state-table td.st-link button{
  color:var(--blue-dark);
  font-size:11.5px;
}

table.state-table td.st-link button:hover{
  color:var(--navy);
}

.state-table-footer{
  margin-top:18px;
}

.view-all-states{
  padding:9px 0;
  color:var(--blue-dark);
  font-size:12.5px;
}

#fullStateTableWrap{
  margin-top:12px;
}

.state-regulator-row{
  gap:16px;
  margin-top:18px;
  padding:17px 18px;
  border:1px solid #dceef1;
  border-radius:14px;
  background:var(--sky-3);
}

.state-regulator-row p{
  color:var(--gray-600);
  font-size:11.75px;
  line-height:1.5;
}

.state-regulator-row p svg{
  color:var(--blue-dark);
}

.state-regulator-row .btn{
  min-height:42px;
  padding:0 18px;
  border:1px solid var(--border);
  border-radius:999px;
  background:#fff;
  color:var(--blue-dark);
  box-shadow:none;
  font-size:11px;
}

.state-regulator-row .btn:hover{
  border-color:var(--blue);
  background:#fff;
}

.process-section{
  max-width:1180px;
  margin:48px auto 0;
  padding:0 24px;
}

.process-inner{
  padding:34px;
  border:1px solid var(--breezy-line);
  border-radius:22px;
  background:linear-gradient(180deg,#f8fdfe,#f2fbfc);
  box-shadow:0 10px 30px rgba(12,84,105,.035);
}

.process-inner > h3{
  margin-bottom:29px;
  font-size:23px;
}

.process-steps-row{
  gap:7px;
}

.process-step{
  width:225px;
}

.process-step-num{
  width:32px;
  height:32px;
  margin-bottom:10px;
  background:var(--navy);
}

.process-step-icon{
  width:54px;
  height:54px;
  margin-bottom:13px;
  background:#fff;
  color:var(--navy);
  box-shadow:0 5px 18px rgba(7,81,106,.06);
}

.process-step h4{
  font-size:13.25px;
}

.process-step p{
  color:var(--gray-600);
  font-size:11.75px;
  line-height:1.5;
}

.process-arrow{
  color:#a8cdd3;
}

.process-footnote{
  margin-top:25px;
  padding-top:18px;
  border-color:var(--border);
  color:var(--gray-600);
  font-size:11.75px;
}

.faq-preview-section{
  max-width:1180px;
  margin:52px auto 0;
  padding:0 24px;
}

.faq-preview-section > h2{
  margin-bottom:20px;
  font-size:clamp(27px,3vw,34px);
}

.topic-item{
  border:1px solid var(--breezy-line);
  border-radius:16px;
  background:#fff;
  box-shadow:0 7px 20px rgba(12,84,105,.025);
}

.topic-item-head{
  gap:12px;
  padding:16px 17px;
}

.topic-item-head:hover{
  background:var(--sky-3);
}

.topic-item-head .ti-icon{
  width:36px;
  height:36px;
  flex:0 0 36px;
  background:var(--sky-2);
  color:var(--navy);
}

.topic-item-head h4{
  color:var(--navy);
  font-size:13px;
}

.topic-item-head svg.chev{
  color:var(--blue-dark);
}

.topic-item-body{
  padding:0 18px 18px 65px;
}

.topic-item-body h5{
  color:var(--navy);
  font-size:12.75px;
}

.topic-item-body p,
.topic-item-body ul li{
  color:var(--gray-600);
  font-size:12px;
  line-height:1.55;
}

.faq-preview-cta .btn:hover{
  border-color:var(--blue);
  background:#fff;
}

.cta-banner-right .badges{
  margin-top:9px;
  color:#bee1e6;
  font-size:11.5px;
  line-height:1.45;
}

@media(max-width:1000px){
  .topic-grid.three-col{
    grid-template-columns:repeat(2,1fr);
  }
}

@media(max-width:900px){
  .fee-cards,
  .supp-cards{
    grid-template-columns:1fr;
  }
  .process-steps-row{
    flex-direction:column;
    align-items:center;
    gap:22px;
  }
  .process-arrow{
    margin:0;
    transform:rotate(90deg);
  }
}

@media(max-width:700px){
  .most-important-inner{
    flex-direction:column;
  }
  .most-important-inner ul{
    grid-template-columns:1fr 1fr;
  }
  .state-regulator-row{
    align-items:flex-start;
    flex-direction:column;
  }
  .state-regulator-row .btn{
    width:100%;
  }
}

@media(max-width:600px){
  header.container{
    min-height:70px;
    padding:0 12px;
  }
  .logo-img{
    width:180px;
    height:auto;
  }

  .hero-grid{padding:32px 12px 36px}
  .hero-left h1{
    font-size:clamp(38px,12vw,50px);
    letter-spacing:-1.25px;
  }
  .hero-left p.desc{font-size:14.5px}
  .hero-badges{
    gap:9px 12px;
    font-size:12px;
  }
  .hero-illustration{
    padding:12px;
    border-radius:20px;
  }

  .most-important,
  .fee-cards,
  .state-select-section,
  .state-table-section,
  .supp-cards,
  .process-section,
  .faq-preview-section{
    padding-left:12px;
    padding-right:12px;
  }

  .most-important-inner,
  .state-select-inner,
  .state-table-inner,
  .process-inner{
    padding:21px 18px;
    border-radius:17px;
  }

  .fee-card{
    padding:21px 18px;
    border-radius:17px;
  }

  .most-important-inner ul{
    grid-template-columns:1fr;
  }

  .state-depends-list ul{
    grid-template-columns:1fr;
  }
  table.state-table{
    min-width:590px;
  }
  .state-table-disclaimer{
    padding:13px 14px;
  }

  .process-step{width:min(100%,280px)}

  .topic-grid,
  .topic-grid.three-col{
    grid-template-columns:1fr;
  }
  .topic-item-body{
    padding-left:18px;
  }

  .cta-banner{
    margin:38px 12px 30px;
    padding:28px 20px;
    flex-direction:column;
    align-items:flex-start;
    gap:24px;
    text-align:left;
  }
  .cta-banner-left{
    flex-direction:row;
    align-items:center;
  }
  .cta-banner-right{
    width:100%;
    text-align:center;
  }
  .cta-banner-right .btn{width:100%}

  .important-info{
    margin-bottom:38px;
    padding:0 12px;
  }
  .important-info-inner{
    padding:20px 18px;
    border-radius:16px;
  }

  .footer-grid{
    grid-template-columns:1fr 1fr;
    gap:24px 18px;
  }
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

.state-review-date{
  display:inline-flex;
  align-items:center;
  margin:-4px 0 14px;
  padding:5px 9px;
  border:1px solid var(--border);
  border-radius:999px;
  background:var(--sky-3);
  color:var(--gray-500);
  font-size:10.75px;
  font-weight:600;
  letter-spacing:.1px;
}

@media (max-width: 1000px){
    .commitment-grid{ grid-template-columns: repeat(4, 1fr); }
  }

@media (max-width: 600px){
    .commitment-grid{ grid-template-columns: repeat(2, 1fr); }
  }

.hero-left{
  max-width:650px;
  padding:0;
}

.hero-left h1{
  max-width:620px;
  font-size:clamp(46px,5vw,64px);
  line-height:.99;
  letter-spacing:-1.8px;
}

.hero-left p.desc{
  max-width:590px;
  margin-top:18px;
  color:var(--gray-600);
  font-size:15.5px;
  line-height:1.62;
}

.hero-left p.desc + p.desc{margin-top:10px}

.hero-badges{
  gap:12px 18px;
  margin-top:20px !important;
  font-size:13px;
}

.commitment-grid{
  gap:12px;
  margin-top:27px;
}

.commitment-card{
  min-height:160px;
  padding:21px 14px;
  border:1px solid var(--breezy-line);
  border-radius:17px;
  background:#fff;
  box-shadow:0 7px 20px rgba(12,84,105,.025);
}

.three-col-section{
  max-width:1180px;
  gap:18px;
  margin-top:34px;
}

.info-panel h3{
  margin-bottom:4px;
  font-size:17px;
  line-height:1.3;
}

.info-panel .check-list.x-list li svg{
  color:#a9634d;
}

.info-panel-footer{
  margin-top:17px;
  padding-top:14px;
  border-color:var(--border);
  color:var(--gray-500);
  font-size:11.5px;
  line-height:1.5;
}

.info-panel-footer svg{color:var(--blue-dark)}

.repay-visual{
  gap:8px;
  margin:9px 0 17px;
}

.repay-box{
  padding:14px 18px;
  border:1px solid transparent;
  border-radius:13px;
}

.repay-box.borrow{
  border-color:#d9ece2;
  background:#f3faf6;
  color:#337754;
}

.repay-box.fees{
  border-color:#dce6f2;
  background:#f5f8fc;
  color:#53659b;
}

.repay-box.total{
  background:var(--navy);
  color:#fff;
}

.repay-box .rb-label{
  font-size:10px;
  letter-spacing:.65px;
}

.repay-box .rb-amt{
  font-size:20px;
}

.repay-arrow-down{color:#94bcc4}

.warn-list{gap:7px}

.warn-list li::before{color:#a9634d}

.alt-list{gap:14px}

.alt-list li{gap:11px}

.alt-list .alt-icon{
  width:34px;
  height:34px;
  flex:0 0 34px;
  border-radius:10px;
  background:var(--sky-2);
  color:var(--navy);
}

.alt-list h5{
  font-size:12.75px;
}

.alt-list p{
  color:var(--gray-600);
  font-size:11.75px;
  line-height:1.5;
}

.alt-link{
  color:var(--blue-dark);
  font-size:12px;
}

.dd-block{margin-bottom:18px}

.dd-block h5{
  margin-bottom:10px;
  color:var(--gray-500);
  font-size:11px;
  letter-spacing:.7px;
}

.mini-process-step{
  gap:12px;
  padding-bottom:16px;
}

.mini-process-step:not(:last-child)::before{
  background:var(--border);
}

.mini-process-num{
  width:30px;
  height:30px;
  flex:0 0 30px;
  background:var(--navy);
}

.mini-process-step h5{
  font-size:12.75px;
}

.mini-process-step p{
  color:var(--gray-600);
  font-size:11.75px;
  line-height:1.5;
}

.most-important{
  max-width:1080px;
  margin:42px auto 0 !important;
}

.most-important-inner h3{
  font-size:18px;
}

@media(max-width:1000px){
  .commitment-grid{
    grid-template-columns:repeat(4,1fr);
  }
  .topic-grid.three-col{
    grid-template-columns:repeat(2,1fr);
  }
}

@media(max-width:900px){
  .three-col-section,
  .three-col-section.two-col{
    grid-template-columns:1fr;
  }
}

@media(max-width:700px){
  .not-lender-inner{
    justify-content:flex-start;
    text-align:left;
  }
  .not-lender-inner .btn{
    width:100%;
    margin:8px 0 0;
  }
  .most-important-inner{
    flex-direction:column;
  }
}

@media(max-width:600px){
  header.container{
    min-height:70px;
    padding:0 12px;
  }
  .logo-img{
    width:180px;
    height:auto;
  }

  .hero-grid{padding:32px 12px 36px}
  .hero-left h1{
    font-size:clamp(38px,12vw,50px);
    letter-spacing:-1.25px;
  }
  .hero-left p.desc{font-size:14.5px}
  .hero-badges{
    gap:9px 12px;
    font-size:12px;
  }
  .hero-illustration{
    padding:12px;
    border-radius:20px;
  }

  .not-lender-banner,
  .commitment-section,
  .three-col-section,
  .most-important,
  .faq-preview-section{
    padding-left:12px;
    padding-right:12px;
  }

  .info-panel{
    padding:21px 18px;
    border-radius:17px;
  }

  .commitment-section{margin-top:42px}
  .commitment-grid{
    grid-template-columns:1fr 1fr;
    gap:9px;
  }
  .commitment-card{
    min-height:150px;
    padding:18px 12px;
  }

  .most-important-inner{
    padding:21px 18px;
    border-radius:17px;
  }
  .most-important-inner [style*="grid-template-columns:1fr 1fr"]{
    grid-template-columns:1fr !important;
  }

  .topic-grid,
  .topic-grid.three-col{
    grid-template-columns:1fr;
  }
  .topic-item-body{
    padding-left:18px;
  }

  .cta-banner{
    margin:38px 12px 30px;
    padding:28px 20px;
    flex-direction:column;
    align-items:flex-start;
    gap:24px;
    text-align:left;
  }
  .cta-banner-left{
    flex-direction:row;
    align-items:center;
  }
  .cta-banner-right{
    width:100%;
    text-align:center;
  }
  .cta-banner-right .btn{width:100%}

  .important-info{
    margin-bottom:38px;
    padding:0 12px;
  }
  .important-info-inner{
    padding:20px 18px;
    border-radius:16px;
  }

  .footer-grid{
    grid-template-columns:1fr 1fr;
    gap:24px 18px;
  }
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

.hero-centered{
    max-width:680px;
    margin:0 auto;
    padding:60px 24px 70px;
    text-align:center;
    position:relative;
    z-index:1;
  }

.hero-centered .hero-eyebrow{ display:block; }

.hero-centered h1{
    font-size:44px;
    font-weight:800;
    line-height:1.12;
    color: var(--navy);
  }

.hero-centered .desc{
    margin-top:16px;
    font-size:16px;
    color: var(--gray-600);
    max-width:480px;
    margin-left:auto;
    margin-right:auto;
  }

.hero-centered .hero-badges{
    justify-content:center;
    margin-top:26px;
  }

@media (max-width: 560px){
    .hero-centered h1{ font-size:32px; }
  }

.unsub-form-section{
    max-width:620px;
    margin:-40px auto 0;
    padding:0 24px;
    position:relative;
    z-index:2;
  }

.unsub-form-card{
    background:#fff;
    border:1px solid var(--border);
    border-radius:18px;
    box-shadow: 0 25px 50px -20px rgba(60,94,96,0.22);
    padding:40px;
    text-align:center;
  }

.unsub-form-card h2{
    font-size:22px;
    font-weight:700;
  }

.unsub-form-card > p{
    font-size:13.5px;
    color: var(--gray-500);
    margin-top:6px;
    margin-bottom:26px;
  }

.unsub-form-card form{ text-align:left; }

.or-divider{
    display:flex;
    align-items:center;
    gap:14px;
    margin:8px 0 18px;
  }

.or-divider::before, .or-divider::after{
    content:"";
    flex:1;
    height:1px;
    background: var(--border);
  }

.or-divider span{
    font-size:12px;
    font-weight:800;
    color: var(--gray-500);
    letter-spacing:0.4px;
  }

.input-with-icon{ position:relative; }

.input-with-icon svg{
    position:absolute;
    left:14px; top:50%;
    transform:translateY(-50%);
    color: var(--gray-500);
    pointer-events:none;
  }

.input-with-icon input{ padding-left:42px; }

.unsub-form-note{
    text-align:center;
    font-size:12.5px;
    color: var(--gray-500);
    margin-top:16px;
    line-height:1.5;
  }

.unsub-form-success{
    display:none;
    align-items:center;
    gap:10px;
    background: var(--sky);
    border-radius:10px;
    padding:16px 18px;
    font-size:13.5px;
    color: var(--navy);
    font-weight:600;
    margin-top:18px;
  }

.unsub-form-success.show{ display:flex; }

.please-note{
    max-width:900px;
    margin:24px auto 0;
    padding:0 24px;
  }

.please-note-inner{
    display:flex;
    gap:14px;
    background: var(--sky);
    border-radius:12px;
    padding:20px 24px;
  }

.please-note-inner svg{ color: var(--blue-dark); flex-shrink:0; margin-top:2px; }

.please-note-inner p{
    font-size:13.5px;
    color: var(--navy);
    line-height:1.6;
  }

.need-help{
    max-width:900px;
    margin:20px auto 0;
    padding:0 24px;
  }

.need-help-inner{
    display:flex;
    align-items:center;
    gap:18px;
    border:1px solid var(--border);
    border-radius:12px;
    padding:22px 26px;
    flex-wrap:wrap;
  }

.need-help-icon{
    width:52px; height:52px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.need-help-inner h3{
    font-size:16px;
    font-weight:700;
    margin-bottom:3px;
  }

.need-help-inner p{
    font-size:13px;
    color: var(--gray-600);
  }

.need-help-inner .btn{
    margin-left:auto;
    font-size:13px;
    padding:12px 22px;
    background:#fff;
    color: var(--blue-dark);
    border:1.5px solid var(--border);
  }

.need-help-inner .btn:hover{ border-color: var(--blue); }

@media (max-width: 600px){
    .need-help-inner{ text-align:center; justify-content:center; }
    .need-help-inner .btn{ margin:8px auto 0; }
  }

.trust-row-3{
    max-width:1000px;
    margin:56px auto 0;
    padding:0 24px 60px;
    display:grid;
    grid-template-columns: repeat(3, 1fr);
    gap:30px;
  }

.trust-row-3 .t-icon{
    width:44px; height:44px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    margin-bottom:14px;
  }

.trust-row-3 h4{
    font-size:14.5px;
    font-weight:700;
    margin-bottom:6px;
  }

.trust-row-3 p{
    font-size:13px;
    color: var(--gray-600);
    line-height:1.5;
  }

@media (max-width: 700px){
    .trust-row-3{ grid-template-columns:1fr; text-align:center; }
    .trust-row-3 .t-icon{ margin-left:auto; margin-right:auto; }
  }

.hero-centered{
  max-width:760px;
  padding:60px 24px 94px;
}

.hero-centered .hero-eyebrow{
  margin-bottom:12px;
  color:#1685a0;
  font-size:11px;
  font-weight:700;
  letter-spacing:2.8px;
}

.hero-centered h1{
  font-size:clamp(44px,5vw,62px);
  line-height:1;
  letter-spacing:-1.7px;
}

.hero-centered .desc{
  max-width:560px;
  margin-top:18px;
  color:var(--gray-600);
  font-size:16px;
  line-height:1.6;
}

.hero-centered .hero-badges{
  gap:12px 18px;
  margin-top:24px;
  font-size:13px;
}

.unsub-form-section{
  max-width:680px;
  margin:-56px auto 0;
  padding:0 24px;
}

.unsub-form-card{
  padding:36px;
  border:1px solid var(--breezy-line);
  border-radius:22px;
  background:#fff;
  box-shadow:0 18px 48px rgba(7,81,106,.10);
}

.unsub-form-card h2{
  font-size:clamp(21px,2.5vw,27px);
  line-height:1.2;
}

.unsub-form-card > p{
  margin:7px 0 26px;
  color:var(--gray-500);
  font-size:13.25px;
}

.unsub-form-card form{
  max-width:520px;
  margin:0 auto;
}

.unsub-form-card .form-field{
  margin-bottom:17px;
}

.unsub-form-card .form-field label{
  margin-bottom:7px;
  color:var(--navy);
  font-size:12.75px;
  font-weight:700;
}

.unsub-form-card .form-field input{
  min-height:50px;
  padding-top:12px;
  padding-bottom:12px;
  border:1.5px solid var(--border);
  border-radius:12px;
  background:var(--sky-3);
  color:var(--navy);
  font-size:14px;
}

.unsub-form-card .form-field input:focus{
  outline:none;
  border-color:var(--blue);
  background:#fff;
  box-shadow:0 0 0 4px rgba(40,169,189,.09);
}

.input-with-icon svg{
  left:15px;
  color:var(--blue-dark);
}

.input-with-icon input{
  padding-left:43px;
}

.or-divider{
  gap:13px;
  margin:3px 0 17px;
}

.or-divider::before,
.or-divider::after{
  background:#e3eff1;
}

.or-divider span{
  color:#78949d;
  font-size:10.5px;
  letter-spacing:1px;
}

.unsub-form-card button[type="submit"]{
  min-height:50px;
  margin-top:7px !important;
  border-radius:999px;
  font-size:13.5px;
  letter-spacing:.2px;
}

.unsub-form-note{
  margin-top:15px;
  color:var(--gray-500);
  font-size:11.75px;
  line-height:1.55;
}

.unsub-form-success{
  margin-top:17px;
  padding:15px 17px;
  border:1px solid #cfe9dd;
  border-radius:13px;
  background:#f3fbf7;
  color:var(--navy);
  font-size:12.75px;
  line-height:1.5;
}

.unsub-form-success svg{
  flex:0 0 auto;
  color:#288d62;
}

.please-note-inner{
  gap:13px;
  padding:18px 20px;
  border:1px solid #dceef1;
  border-radius:16px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
}

.please-note-inner svg{
  width:36px;
  height:36px;
  padding:9px;
  flex:0 0 36px;
  margin-top:0;
  border-radius:50%;
  background:var(--sky-2);
  color:var(--navy);
}

.please-note-inner p{
  color:var(--gray-600);
  font-size:12.75px;
  line-height:1.6;
}

.please-note-inner p strong{
  color:var(--navy);
}

.need-help{
  max-width:900px;
  margin:14px auto 0;
  padding:0 24px;
}

.need-help-inner{
  gap:16px;
  padding:20px 22px;
  border:1px solid var(--breezy-line);
  border-radius:16px;
  background:#fff;
  box-shadow:0 8px 24px rgba(12,84,105,.03);
}

.need-help-icon{
  width:46px;
  height:46px;
  flex:0 0 46px;
  background:var(--sky-2);
  color:var(--navy);
}

.need-help-inner h3{
  margin-bottom:3px;
  font-size:15.5px;
}

.need-help-inner p{
  color:var(--gray-600);
  font-size:12.75px;
  line-height:1.5;
}

.need-help-inner .btn{
  min-height:42px;
  padding:0 20px;
  border:1px solid var(--border);
  border-radius:999px;
  background:#fff;
  color:var(--blue-dark);
  font-size:12px;
  box-shadow:none;
}

.need-help-inner .btn:hover{
  border-color:var(--blue);
  background:var(--sky-3);
}

.trust-row-3{
  max-width:960px;
  margin:42px auto 0;
  padding:0 24px 50px;
  gap:16px;
}

.trust-row-3 > div{
  padding:22px 20px;
  border:1px solid var(--breezy-line);
  border-radius:17px;
  background:#fff;
  box-shadow:0 8px 24px rgba(12,84,105,.025);
}

.trust-row-3 .t-icon{
  width:48px;
  height:48px;
  margin-bottom:13px;
  background:var(--sky-2);
  color:var(--navy);
}

.trust-row-3 h4{
  margin-bottom:6px;
  font-size:14px;
}

.trust-row-3 p{
  color:var(--gray-600);
  font-size:12.5px;
  line-height:1.55;
}

@media(max-width:980px){
  .footer-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:700px){
  .trust-row-3{
    grid-template-columns:1fr;
    text-align:left;
  }
  .trust-row-3 .t-icon{
    margin-left:0;
    margin-right:0;
  }
}

@media(max-width:600px){
  header.container{
    min-height:70px;
    padding:0 12px;
  }
  .logo-img{
    width:180px;
    height:auto;
  }

  .hero-centered{
    padding:40px 16px 82px;
  }
  .hero-centered h1{
    font-size:clamp(36px,11vw,48px);
    letter-spacing:-1.1px;
  }
  .hero-centered .desc{
    font-size:14.5px;
  }
  .hero-centered .hero-badges{
    gap:9px 12px;
    font-size:12px;
  }

  .unsub-form-section{
    margin-top:-48px;
    padding:0 12px;
  }
  .unsub-form-card{
    padding:26px 18px;
    border-radius:19px;
  }

  .please-note,
  .need-help{
    padding:0 12px;
  }
  .please-note-inner,
  .need-help-inner{
    border-radius:15px;
  }
  .need-help-inner{
    text-align:left;
    justify-content:flex-start;
  }
  .need-help-inner .btn{
    width:100%;
    margin:7px 0 0;
  }

  .trust-row-3{
    margin-top:30px;
    padding:0 12px 38px;
    gap:10px;
  }
  .trust-row-3 > div{
    padding:20px 18px;
    border-radius:15px;
  }

  .cta-banner{
    margin:0 12px 30px;
    padding:28px 20px;
    flex-direction:column;
    align-items:flex-start;
    gap:24px;
    text-align:left;
  }
  .cta-banner-left{
    flex-direction:row;
    align-items:center;
  }
  .cta-banner-right{
    width:100%;
    text-align:center;
  }
  .cta-banner-right .btn{width:100%}

  .footer-grid{
    grid-template-columns:1fr 1fr;
    gap:24px 18px;
  }
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

.request-type-field{
  margin:0 0 20px;
  padding:0;
  border:0;
}

.request-type-field legend{
  margin-bottom:9px;
  color:var(--navy);
  font-size:12.75px;
  font-weight:700;
}

.request-type-option{
  display:flex;
  gap:11px;
  align-items:flex-start;
  padding:14px 15px;
  margin-bottom:9px;
  border:1.5px solid var(--border);
  border-radius:13px;
  background:#fff;
  cursor:pointer;
  transition:border-color .15s ease,background .15s ease,box-shadow .15s ease;
}

.request-type-option:hover{
  border-color:#c6e5ea;
  background:var(--sky-3);
}

.request-type-option:has(input:checked){
  border-color:var(--blue);
  background:var(--sky-3);
  box-shadow:0 0 0 3px rgba(40,169,189,.07);
}

.request-type-option input{
  width:17px;
  height:17px;
  margin-top:2px;
  accent-color:var(--blue);
  flex:0 0 auto;
}

.request-type-copy{
  display:block;
  min-width:0;
}

.request-type-copy strong{
  display:block;
  color:var(--navy);
  font-size:12.75px;
  line-height:1.35;
}

.request-type-copy small{
  display:block;
  margin-top:3px;
  color:var(--gray-500);
  font-size:11.25px;
  line-height:1.45;
}

.request-type-help{
  margin:-3px 0 10px;
  color:var(--gray-500);
  font-size:11.5px;
  line-height:1.45;
}

#requestSubmitBtn:disabled{
  opacity:.55;
  cursor:not-allowed;
  transform:none;
  filter:none;
}

.unsub-section {
            padding: 60px 0;
        }

.unsub-header {
            margin-bottom: 40px;
            text-align: center;
        }

.unsub-icon {
            font-size: 48px;
            color: var(--primary-color);
            margin-bottom: 20px;
            display: block;
            text-align: center;
        }

.form-container {
            background-color: #f8f9fa;
            padding: 30px;
            border-radius: 10px;
            box-shadow: 0 5px 15px rgba(0,0,0,0.1);
            max-width: 600px;
            margin: 0 auto;
        }

.form-label {
            font-weight: 600;
            color: #333;
        }

.form-control {
            border-radius: 5px;
            padding: 10px 15px;
            margin-bottom: 20px;
            border: 1px solid #ddd;
            transition: all 0.3s ease;
        }

.form-control:focus {
            border-color: var(--primary-color);
            box-shadow: 0 0 0 0.25rem rgba(108, 188, 196, 0.25);
        }

.submit-btn {
            background-color: var(--primary-color);
            border-color: var(--primary-color);
            padding: 12px 30px;
            font-size: 1.1rem;
            font-weight: 600;
            border-radius: 50px;
            transition: all 0.3s ease;
            width: 100%;
            text-align: center;
            margin-top: 10px;
        }

.submit-btn:hover {
            transform: translateY(-3px);
            box-shadow: 0 4px 8px rgba(0,0,0,0.1);
            background-color: var(--primary-color);
            filter: brightness(110%);
        }

:root{
  --navy:#07516a;
  --navy-2:#0b6380;
  --teal:#28a9bd;
  --teal-2:#55bfd0;
  --sky:#e9f8fb;
  --sky-2:#d8f1f5;
  --sky-3:#f5fcfd;
  --text:#1b596d;
  --muted:#5e7f8a;
  --line:#dcecef;
  --white:#fff;
  --shadow:0 18px 48px rgba(7,81,106,.10);

  /* legacy stylesheet compatibility */
  --primary-color:#07516a;
}

body{
  margin:0;
  min-height:100vh;
  display:flex;
  flex-direction:column;
  font-family:"Inter",system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--text);
  background:#fff;
  line-height:1.5;
  -webkit-font-smoothing:antialiased;
}

h1,h2,h3,h4,h5,h6{
  font-family:"Poppins",sans-serif;
  color:var(--navy);
}

a{
  color:var(--teal);
  text-decoration:none;
}

a:hover,
a:focus{color:var(--navy)}

.container{
  width:min(1180px,calc(100% - 32px));
  max-width:none;
}

header.container{
  position:sticky;
  top:0;
  z-index:50;
  background:#fff;
  border-bottom:1px solid #edf5f6;
}

header .navbar{
  min-height:76px;
  padding:0;
}

.navbar-brand{
  display:flex;
  align-items:center;
  margin:0;
}

.navbar-brand img{
  width:205px;
  height:auto;
  max-height:58px;
  object-fit:contain;
}

.navbar-nav{
  align-items:center;
  gap:26px;
}

.navbar .nav-link{
  padding:26px 0 !important;
  color:var(--navy);
  font-size:14px;
  font-weight:600;
}

.navbar .nav-link:hover,
.navbar .nav-link:focus{
  color:var(--teal);
}

.navbar-toggler{
  width:44px;
  height:44px;
  padding:8px;
  border:1px solid var(--line);
  border-radius:10px;
  box-shadow:none !important;
}

.navbar-toggler:focus{
  box-shadow:0 0 0 4px rgba(40,169,189,.09) !important;
}

@media(min-width:992px){
  .navbar .nav-link[href*="get-started"]{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    min-height:44px;
    padding:0 24px !important;
    border-radius:999px;
    background:linear-gradient(90deg,var(--teal),var(--teal-2));
    color:#fff !important;
    box-shadow:0 10px 24px rgba(31,166,190,.16);
  }
  .navbar .nav-link[href*="get-started"]:hover{
    filter:brightness(.985);
    color:#fff !important;
  }
}

main{
  flex:1;
  display:flex;
  align-items:center;
  background:
    radial-gradient(circle at 78% 18%,rgba(85,191,208,.18),transparent 30%),
    linear-gradient(180deg,#f4fcfd 0%,#eaf8fa 100%);
}

.unsub-section{
  width:100%;
  padding:76px 0 84px;
}

.unsub-section .row{
  margin:0;
}

.unsub-section .col-md-10{
  width:100%;
  max-width:100%;
  padding:0;
}

.unsub-header{
  max-width:760px;
  margin:0 auto;
  padding:42px 44px 38px;
  text-align:center;
  border:1px solid #e2f0f2;
  border-radius:24px;
  background:rgba(255,255,255,.90);
  box-shadow:var(--shadow);
}

.unsub-icon{
  width:64px;
  height:64px;
  margin:0 auto 20px;
  display:flex !important;
  align-items:center;
  justify-content:center;
  border-radius:50%;
  background:var(--sky-2);
  color:var(--navy);
  font-size:26px;
}

.unsub-header h1{
  max-width:650px;
  margin:0 auto;
  color:var(--navy);
  font-size:clamp(36px,4.5vw,52px) !important;
  line-height:1.06;
  letter-spacing:-1.35px;
}

.unsub-header .lead{
  max-width:560px;
  margin:16px auto 0;
  color:var(--muted) !important;
  font-size:15.5px;
  line-height:1.6;
}

.unsub-section .text-center.mt-4{
  max-width:760px;
  margin:18px auto 0 !important;
  padding:16px 20px;
}

.unsub-section .text-center.mt-4 p{
  margin:0;
  color:var(--muted);
  font-size:13px;
}

.unsub-section .text-center.mt-4 a{
  color:var(--teal);
  font-weight:700;
  text-decoration:underline;
  text-decoration-color:rgba(40,169,189,.35);
  text-underline-offset:3px;
}

footer{
  padding:36px 0 24px;
  border-top:1px solid var(--line);
  background:#fff;
}

footer .footer-nav{
  gap:4px 10px;
  margin-bottom:22px !important;
}

footer .footer-nav .nav-link{
  padding:5px 8px !important;
  color:#406f7c;
  font-size:12.5px;
  font-weight:600;
}

footer .footer-nav .nav-link:hover{
  color:var(--teal);
}

footer .text-center.mb-3{
  margin-bottom:14px !important;
  color:var(--navy);
  font-size:12.5px;
  font-weight:600;
}

footer .small{
  max-width:980px;
  margin:0 auto;
  color:#6b8a93;
  font-size:10.5px;
  line-height:1.7;
}

@media(max-width:991.98px){
  header .navbar{
    min-height:70px;
    padding:8px 0;
  }
  .navbar-brand img{width:185px}
  .navbar-collapse{
    margin-top:8px;
    padding:8px 0 16px;
    border-top:1px solid #edf5f6;
  }
  .navbar-nav{
    align-items:stretch;
    gap:0;
  }
  .navbar .nav-link{
    padding:12px 4px !important;
    border-bottom:1px solid #eef4f5;
  }
}

@media(max-width:700px){
  .unsub-section{
    padding:52px 0 58px;
  }
  .unsub-header{
    padding:32px 22px 29px;
    border-radius:19px;
  }
  .unsub-icon{
    width:56px;
    height:56px;
    font-size:23px;
  }
  .unsub-header h1{
    font-size:clamp(32px,10vw,44px) !important;
  }
  .unsub-header .lead{
    font-size:14.5px;
  }
  footer{padding-top:30px}
}

@media(max-width:390px){
  .container{
    width:min(100% - 24px,1180px);
  }
}

.featured-section{
    max-width:1180px;
    margin:40px auto 0;
    padding:0 24px;
  }

.featured-label{
    font-size:12px;
    font-weight:800;
    letter-spacing:0.5px;
    color: var(--blue-dark);
    text-transform:uppercase;
    margin-bottom:14px;
  }

.featured-card{
    display:grid;
    grid-template-columns: 1fr 1fr;
    border:1px solid var(--border);
    border-radius:16px;
    overflow:hidden;
  }

.featured-thumb{
    background: linear-gradient(135deg, var(--sky), var(--sky-2));
    display:flex;
    align-items:center;
    justify-content:center;
    padding:30px;
    position:relative;
  }

.featured-thumb .badge-pill{
    position:absolute;
    top:18px; left:18px;
    background: var(--navy);
    color:#fff;
    font-size:10.5px;
    font-weight:800;
    letter-spacing:0.4px;
    padding:6px 12px;
    border-radius:20px;
  }

.featured-body{
    padding:36px;
    display:flex;
    flex-direction:column;
    justify-content:center;
  }

.featured-body .cat-label{
    font-size:11.5px;
    font-weight:800;
    letter-spacing:0.4px;
    color: var(--blue-dark);
    text-transform:uppercase;
    margin-bottom:8px;
  }

.featured-body h2{
    font-size:24px;
    font-weight:700;
    margin-bottom:12px;
    line-height:1.25;
  }

.featured-body p{
    font-size:14px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:18px;
  }

.article-meta{
    display:flex;
    align-items:center;
    gap:14px;
    font-size:12.5px;
    color: var(--gray-500);
    margin-bottom:18px;
  }

.article-meta span{ display:flex; align-items:center; gap:5px; }

.featured-body .read-link{
    display:inline-flex;
    align-items:center;
    gap:6px;
    font-size:13px;
    font-weight:700;
    color: var(--blue-dark);
  }

@media (max-width: 800px){
    .featured-card{ grid-template-columns:1fr; }
    .featured-thumb{ min-height:200px; }
  }

.topic-cards-section{
    max-width:1180px;
    margin:50px auto 0;
    padding:0 24px;
  }

.section-head-row{
    display:flex;
    justify-content:space-between;
    align-items:baseline;
    margin-bottom:20px;
  }

.section-head-row h2{ font-size:24px; font-weight:700; }

.section-head-row .view-all{
    font-size:13px;
    font-weight:700;
    color: var(--blue-dark);
    white-space:nowrap;
  }

.topic-cards{
    display:grid;
    grid-template-columns: repeat(5, 1fr);
    gap:16px;
  }

.topic-card{
    border:1px solid var(--border);
    border-radius:14px;
    padding:22px 18px;
  }

.topic-card-icon{
    width:40px; height:40px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    margin-bottom:14px;
  }

.topic-card h4{ font-size:14px; font-weight:700; margin-bottom:8px; }

.topic-card p{ font-size:12px; color: var(--gray-600); line-height:1.5; margin-bottom:12px; }

.topic-card a{ font-size:12px; font-weight:700; color: var(--blue-dark); }

@media (max-width: 1000px){
    .topic-cards{ grid-template-columns: repeat(3, 1fr); }
  }

@media (max-width: 600px){
    .topic-cards{ grid-template-columns: repeat(2, 1fr); }
  }

.article-grid-section{
    max-width:1180px;
    margin:50px auto 0;
    padding:0 24px;
  }

.article-grid{
    display:grid;
    grid-template-columns: repeat(3, 1fr);
    gap:22px;
  }

.article-card{
    border:1px solid var(--border);
    border-radius:14px;
    overflow:hidden;
  }

.article-thumb{
    height:120px;
    display:flex;
    align-items:center;
    justify-content:center;
  }

.article-thumb.t1{ background: linear-gradient(135deg, #eaf6f7, #d7edf0); }

.article-thumb.t2{ background: linear-gradient(135deg, #e8f4ec, #d3ece0); }

.article-thumb.t3{ background: linear-gradient(135deg, #f3ede4, #ecdfd0); }

.article-thumb.t4{ background: linear-gradient(135deg, #eee9f6, #ddd4ee); }

.article-thumb.t5{ background: linear-gradient(135deg, #fdf0e8, #fadfcf); }

.article-thumb.t6{ background: linear-gradient(135deg, #eaf6f7, #cfe8ea); }

.article-card-body{ padding:20px; }

.article-card .cat-label{
    font-size:10.5px;
    font-weight:800;
    letter-spacing:0.4px;
    color: var(--blue-dark);
    text-transform:uppercase;
    margin-bottom:8px;
  }

.article-card h3{
    font-size:16px;
    font-weight:700;
    margin-bottom:8px;
    line-height:1.35;
  }

.article-card p{
    font-size:12.5px;
    color: var(--gray-600);
    line-height:1.5;
    margin-bottom:14px;
  }

.article-card .article-meta{
    margin-bottom:0;
    justify-content:space-between;
  }

.article-card .read-link{
    font-size:12px;
    font-weight:700;
    color: var(--blue-dark);
    display:inline-flex;
    align-items:center;
    gap:4px;
  }

@media (max-width: 900px){
    .article-grid{ grid-template-columns: 1fr 1fr; }
  }

@media (max-width: 600px){
    .article-grid{ grid-template-columns: 1fr; }
  }

.tips-section{
    max-width:1180px;
    margin:50px auto 0;
    padding:0 24px;
  }

.tips-inner{
    background: var(--sky);
    border-radius:16px;
    padding:34px;
    display:grid;
    grid-template-columns: repeat(4, 1fr) 1.1fr;
    gap:24px;
    align-items:start;
  }

.tips-inner > h3{
    grid-column: 1 / -1;
    font-size:19px;
    font-weight:700;
    margin-bottom:-8px;
  }

.tips-inner > p.sub{
    grid-column: 1 / -1;
    font-size:13px;
    color: var(--gray-600);
    margin-bottom:6px;
  }

.tip-item .ti-icon{
    width:34px; height:34px;
    border-radius:50%;
    background:#fff;
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    margin-bottom:10px;
  }

.tip-item h4{ font-size:13px; font-weight:700; margin-bottom:4px; }

.tip-item p{ font-size:12px; color: var(--gray-600); line-height:1.45; }

.tips-cta{
    border-left:1px solid rgba(60,94,96,0.15);
    padding-left:24px;
    text-align:center;
  }

.tips-cta svg{ color: var(--blue-dark); margin-bottom:10px; }

.tips-cta h4{ font-size:13.5px; font-weight:700; margin-bottom:10px; line-height:1.4; }

.tips-cta a{ font-size:12.5px; font-weight:700; color: var(--blue-dark); }

@media (max-width: 1000px){
    .tips-inner{ grid-template-columns: repeat(2, 1fr); }
    .tips-cta{ grid-column: 1/-1; border-left:none; border-top:1px solid rgba(60,94,96,0.15); padding-left:0; padding-top:20px; }
  }

@media (max-width: 560px){
    .tips-inner{ grid-template-columns: 1fr; }
  }

.subscribe-section{
    max-width:1180px;
    margin:24px auto 0;
    padding:0 24px;
  }

.subscribe-inner{
    background: var(--sky);
    border-radius:14px;
    padding:24px 30px;
    display:flex;
    align-items:center;
    gap:24px;
    flex-wrap:wrap;
  }

.subscribe-icon{
    width:46px; height:46px;
    border-radius:50%;
    background:#fff;
    color: var(--blue-dark);
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }

.subscribe-text h3{ font-size:15.5px; font-weight:700; margin-bottom:3px; }

.subscribe-text p{ font-size:12.5px; color: var(--gray-600); }

.subscribe-form{
    margin-left:auto;
    display:flex;
    gap:10px;
    align-items:flex-start;
  }

.subscribe-form input{
    padding:12px 16px;
    border:1.5px solid var(--border);
    border-radius:9px;
    font-family:inherit;
    font-size:13.5px;
    width:240px;
    background:#fff;
  }

.subscribe-form input:focus{ outline:none; border-color: var(--blue); }

.subscribe-form button{
    padding:12px 22px;
    font-size:13px;
    white-space:nowrap;
  }

.subscribe-note{
    font-size:11px;
    color: var(--gray-500);
    margin-top:6px;
  }

.subscribe-success{
    display:none;
    align-items:center;
    gap:8px;
    font-size:12.5px;
    color: var(--navy);
    font-weight:600;
    margin-top:8px;
  }

.subscribe-success.show{ display:flex; }

@media (max-width: 800px){
    .subscribe-inner{ flex-direction:column; text-align:center; }
    .subscribe-form{ margin-left:0; flex-direction:column; width:100%; }
    .subscribe-form input{ width:100%; }
    .subscribe-form button{ width:100%; }
  }

.hero-grid{
  grid-template-columns:minmax(0,1.08fr) minmax(360px,.92fr);
  gap:54px;
  min-height:505px;
  padding:48px 24px 52px;
}

.hero-left p.desc{
  max-width:570px;
  margin-top:20px;
  color:var(--gray-600);
  font-size:16px;
  line-height:1.62;
}

.section-head-row{
  align-items:end;
  margin-bottom:20px;
}

.section-head-row h2{
  font-size:clamp(25px,3vw,33px);
  line-height:1.15;
}

.view-all{
  color:var(--blue-dark);
  font-size:11.75px;
  letter-spacing:.25px;
}

.view-all:hover{color:var(--navy)}

.featured-section{
  max-width:1180px;
  margin:48px auto 0;
  padding:0 24px;
}

.featured-label{
  margin-bottom:11px;
  color:var(--blue-dark);
  font-size:10.5px;
  font-weight:700;
  letter-spacing:1.5px;
}

.featured-card{
  grid-template-columns:minmax(280px,.82fr) minmax(0,1.18fr);
  overflow:hidden;
  border:1px solid var(--breezy-line);
  border-radius:22px;
  background:#fff;
  box-shadow:0 14px 38px rgba(7,81,106,.065);
}

.featured-thumb{
  min-height:290px;
  background:linear-gradient(145deg,var(--sky-2),var(--sky-3));
}

.featured-thumb svg{
  width:104px;
  height:104px;
  stroke:var(--navy);
  opacity:.34;
}

.badge-pill{
  top:20px;
  left:20px;
  padding:6px 10px;
  border-radius:999px;
  background:#fff;
  color:var(--blue-dark);
  font-size:9.75px;
  box-shadow:0 5px 15px rgba(7,81,106,.06);
}

.featured-body{
  padding:38px 40px;
}

.featured-body .cat-label{
  margin-bottom:11px;
}

.featured-body h2{
  max-width:620px;
  font-size:clamp(25px,3vw,34px);
  line-height:1.18;
}

.article-title-link{
  color:inherit;
  text-decoration:none;
}

.article-title-link:hover{
  color:var(--blue-dark);
}

.featured-body > p{
  max-width:620px;
  margin-top:13px;
  color:var(--gray-600);
  font-size:13.5px;
  line-height:1.62;
}

.cat-label{
  color:var(--blue-dark);
  font-size:10.5px;
  letter-spacing:.7px;
}

.article-meta{
  color:var(--gray-500);
  font-size:11.5px;
}

.featured-body .article-meta{
  margin:16px 0 18px;
}

.read-link{
  color:var(--blue-dark);
  font-size:11.75px;
  letter-spacing:.15px;
}

.read-link:hover{color:var(--navy)}

.topic-cards-section{
  max-width:1180px;
  margin:52px auto 0;
  padding:0 24px;
}

.topic-cards{
  gap:12px;
}

.topic-card{
  min-height:190px;
  padding:21px 18px;
  border:1px solid var(--breezy-line);
  border-radius:17px;
  background:#fff;
  box-shadow:0 7px 20px rgba(12,84,105,.025);
}

.topic-card:hover{
  border-color:#cce7eb;
  box-shadow:0 12px 28px rgba(7,81,106,.06);
}

.topic-card-icon{
  width:42px;
  height:42px;
  margin-bottom:13px;
  background:var(--sky-2);
  color:var(--navy);
}

.topic-card h4{
  margin-bottom:6px;
  font-size:13.5px;
}

.topic-card p{
  color:var(--gray-600);
  font-size:11.75px;
  line-height:1.52;
}

.topic-card a{
  color:var(--blue-dark);
  font-size:11px;
}

.article-grid-section{
  max-width:1180px;
  margin:54px auto 0;
  padding:0 24px;
}

.article-grid{
  gap:18px;
}

.article-card{
  overflow:hidden;
  border:1px solid var(--breezy-line);
  border-radius:20px;
  background:#fff;
  box-shadow:0 8px 24px rgba(12,84,105,.03);
  transition:transform .16s ease,box-shadow .16s ease,border-color .16s ease;
}

.article-card:hover{
  transform:translateY(-2px);
  border-color:#cee7eb;
  box-shadow:0 14px 32px rgba(7,81,106,.07);
}

.article-thumb{
  height:150px;
  background:linear-gradient(145deg,var(--sky-2),var(--sky-3));
}

.article-thumb svg{
  width:44px;
  height:44px;
}

.article-card-body{
  padding:21px 21px 20px;
}

.article-card-body .cat-label{
  margin-bottom:8px;
}

.article-card-body h3{
  margin-bottom:8px;
  font-size:16px;
  line-height:1.32;
}

.article-card-body > p{
  min-height:56px;
  color:var(--gray-600);
  font-size:12px;
  line-height:1.55;
}

.article-card .article-meta{
  margin-top:16px;
  padding-top:13px;
  border-top:1px solid #edf3f4;
}

.tips-section{
  max-width:1180px;
  margin:48px auto 0;
  padding:0 24px;
}

.tips-inner{
  padding:28px;
  gap:20px;
  border:1px solid #dceef1;
  border-radius:20px;
  background:linear-gradient(180deg,#f8fdfe,#edf9fb);
  box-shadow:0 10px 30px rgba(12,84,105,.035);
}

.tips-inner > h3{
  font-size:19px;
}

.tips-inner > p.sub{
  color:var(--gray-500);
}

.tip-item{
  padding:17px 15px;
  border:1px solid rgba(220,236,239,.95);
  border-radius:14px;
  background:rgba(255,255,255,.74);
}

.tip-item .ti-icon{
  width:36px;
  height:36px;
  background:var(--sky-2);
  color:var(--navy);
}

.tip-item h4{
  font-size:12.75px;
}

.tip-item p{
  color:var(--gray-600);
  font-size:11.5px;
  line-height:1.5;
}

.tips-cta{
  border-color:var(--border);
}

.tips-cta svg{color:var(--blue-dark)}

.tips-cta a{color:var(--blue-dark)}

.subscribe-inner{
  padding:25px 28px;
  border:1px solid #dceef1;
  border-radius:18px;
  background:var(--sky);
}

.subscribe-icon{
  width:48px;
  height:48px;
  background:#fff;
  color:var(--navy);
  box-shadow:0 6px 18px rgba(7,81,106,.04);
}

.subscribe-text h3{
  font-size:16px;
}

.subscribe-text p{
  color:var(--gray-600);
  font-size:12px;
}

.subscribe-form input{
  min-height:44px;
  padding:0 15px;
  border:1.5px solid var(--border);
  border-radius:999px;
  background:#fff;
  color:var(--navy);
}

.subscribe-form input:focus{
  outline:none;
  border-color:var(--blue);
  box-shadow:0 0 0 4px rgba(40,169,189,.08);
}

.subscribe-form button{
  min-height:44px;
  padding:0 20px;
}

.subscribe-note{
  color:var(--gray-500);
}

.subscribe-success{
  color:var(--navy);
}

@media(max-width:1000px){
  .topic-cards{
    grid-template-columns:repeat(3,1fr);
  }
}

@media(max-width:980px){
  .hero-grid{
    grid-template-columns:1fr;
    gap:18px;
    min-height:auto;
    padding:40px 24px 44px;
  }
  .hero-left{max-width:720px}
  .hero-illustration{
    justify-self:start;
    max-width:490px;
    margin-top:6px;
  }
  .featured-card{
    grid-template-columns:1fr;
  }
  .featured-thumb{min-height:220px}
  .footer-grid{grid-template-columns:1fr 1fr}
}

@media(max-width:800px){
  .article-grid{
    grid-template-columns:repeat(2,1fr);
  }
  .subscribe-inner{
    align-items:flex-start;
    text-align:left;
  }
}

@media(max-width:700px){
  .topic-cards{
    grid-template-columns:repeat(2,1fr);
  }
}

@media(max-width:600px){
  header.container{
    min-height:70px;
    padding:0 12px;
  }
  .logo-img{
    width:180px;
    height:auto;
  }

  .hero-grid{padding:32px 12px 36px}
  .hero-left h1{
    font-size:clamp(38px,12vw,50px);
    letter-spacing:-1.25px;
  }
  .hero-left p.desc{font-size:14.5px}
  .hero-badges{
    gap:9px 12px;
    font-size:12px;
  }
  .hero-illustration{
    padding:12px;
    border-radius:20px;
  }

  .featured-section,
  .topic-cards-section,
  .article-grid-section,
  .tips-section,
  .subscribe-section{
    padding-left:12px;
    padding-right:12px;
  }

  .featured-body{
    padding:25px 20px;
  }
  .featured-thumb{
    min-height:185px;
  }

  .topic-cards{
    grid-template-columns:1fr;
    gap:9px;
  }
  .topic-card{
    min-height:auto;
  }

  .article-grid{
    grid-template-columns:1fr;
  }
  .article-card-body > p{
    min-height:0;
  }

  .tips-inner{
    padding:21px 18px;
    border-radius:17px;
  }

  .subscribe-inner{
    padding:21px 18px;
    border-radius:16px;
  }
  .subscribe-form{
    width:100%;
  }
  .subscribe-form input,
  .subscribe-form button{
    width:100%;
  }

  .cta-banner{
    margin:38px 12px 30px;
    padding:28px 20px;
    flex-direction:column;
    align-items:flex-start;
    gap:24px;
    text-align:left;
  }
  .cta-banner-left{
    flex-direction:row;
    align-items:center;
  }
  .cta-banner-right{
    width:100%;
    text-align:center;
  }
  .cta-banner-right .btn{width:100%}

  .important-info{
    margin-bottom:38px;
    padding:0 12px;
  }
  .important-info-inner{
    padding:20px 18px;
    border-radius:16px;
  }

  .footer-grid{
    grid-template-columns:1fr 1fr;
    gap:24px 18px;
  }
  .footer-logo,
  .footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

.featured-thumb{
  position:relative;
  overflow:hidden;
}

.featured-thumb > img{
  display:block;
  width:100%;
  height:100%;
  object-fit:cover;
}

.featured-thumb > svg{display:none;}

.article-thumb{
  position:relative;
  overflow:hidden;
  background:#eef8fa;
}

.article-thumb > img{
  display:block;
  width:100%;
  height:100%;
  object-fit:cover;
}

.article-thumb > svg{display:none;}

.article-header{
    max-width:800px;
    margin:0 auto;
    padding:40px 24px 0;
  }

.breadcrumb{
    display:flex;
    align-items:center;
    gap:6px;
    font-size:12.5px;
    color: var(--gray-500);
    margin-bottom:20px;
    flex-wrap:wrap;
  }

.breadcrumb a{ color: var(--gray-500); }

.breadcrumb a:hover{ color: var(--blue-dark); }

.breadcrumb .sep{ color: var(--border); }

.breadcrumb .current{ color: var(--navy); font-weight:600; }

.article-header .cat-label{
    display:inline-block;
    font-size:11.5px;
    font-weight:800;
    letter-spacing:0.4px;
    color: var(--blue-dark);
    text-transform:uppercase;
    background: var(--sky);
    padding:6px 14px;
    border-radius:20px;
    margin-bottom:16px;
  }

.article-header h1{
    font-size:36px;
    font-weight:800;
    line-height:1.2;
    color: var(--navy);
    margin-bottom:16px;
  }

.article-header .article-meta{
    margin-bottom:0;
  }

@media (max-width: 560px){
    .article-header h1{ font-size:27px; }
  }

.article-body{
    max-width:800px;
    margin:32px auto 0;
    padding:0 24px;
  }

.article-body p{
    font-size:15.5px;
    color: var(--gray-600);
    line-height:1.75;
    margin-bottom:20px;
  }

.article-body h2{
    font-size:23px;
    font-weight:700;
    color: var(--navy);
    margin:40px 0 16px;
  }

.article-body h3{
    font-size:18px;
    font-weight:700;
    color: var(--navy);
    margin:28px 0 12px;
  }

.article-body ul, .article-body ol{
    margin:0 0 20px;
    padding-left:0;
    list-style:none;
  }

.article-body ul li{
    display:flex;
    align-items:flex-start;
    gap:10px;
    font-size:15px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:10px;
  }

.article-body ul li::before{
    content:"";
    width:6px; height:6px;
    border-radius:50%;
    background: var(--blue);
    margin-top:9px;
    flex-shrink:0;
  }

.article-body ol{ counter-reset:art-ol; }

.article-body ol li{
    display:flex;
    align-items:flex-start;
    gap:12px;
    font-size:15px;
    color: var(--gray-600);
    line-height:1.6;
    margin-bottom:12px;
  }

.article-body ol li::before{
    counter-increment:art-ol;
    content:counter(art-ol);
    width:22px; height:22px;
    border-radius:50%;
    background: var(--sky);
    color: var(--blue-dark);
    font-size:11px;
    font-weight:800;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
    margin-top:1px;
  }

.article-body strong{ color: var(--navy); }

.article-body a{ color: var(--blue-dark); font-weight:600; }

.article-callout{
    display:flex;
    gap:14px;
    background: var(--sky);
    border-radius:12px;
    padding:22px 26px;
    margin:28px 0;
  }

.article-callout svg{ color: var(--blue-dark); flex-shrink:0; margin-top:2px; }

.article-callout p{ margin-bottom:0; font-size:14.5px; color: var(--navy); font-weight:500; }

.article-callout p strong{ display:block; margin-bottom:4px; }

.article-callout.warn{ background:#fdf3f0; }

.article-callout.warn svg{ color:#c26848; }

.article-divider{
    border:none;
    border-top:1px solid var(--border);
    margin:36px 0;
  }

.article-cta-inline{
    display:inline-flex;
    align-items:center;
    gap:6px;
    background: var(--blue);
    color:#fff;
    font-size:13px;
    font-weight:700;
    padding:12px 22px;
    border-radius:9px;
    margin:8px 0 4px;
  }

.article-cta-inline:hover{ background: var(--blue-dark); }

.article-share-row{
    display:flex;
    align-items:center;
    justify-content:space-between;
    flex-wrap:wrap;
    gap:14px;
    margin-top:40px;
    padding-top:24px;
    border-top:1px solid var(--border);
  }

.article-tags{ display:flex; gap:8px; flex-wrap:wrap; }

.article-tags a{
    font-size:12px;
    font-weight:600;
    color: var(--blue-dark);
    background: var(--sky);
    padding:6px 12px;
    border-radius:20px;
  }

.back-to-blog{
    font-size:13px;
    font-weight:700;
    color: var(--blue-dark);
    display:inline-flex;
    align-items:center;
    gap:6px;
  }

.related-section{
    max-width:1180px;
    margin:60px auto 0;
    padding:0 24px;
  }

.related-section h2{
    font-size:22px;
    font-weight:700;
    margin-bottom:20px;
    text-align:center;
  }

.footer-legal .disclaimers{ max-width:850px; }

.norton{
    display:flex;
    align-items:center;
    gap:8px;
    font-weight:700;
    color: var(--navy);
    font-size:12px;
    white-space:nowrap;
  }

:root{
  --navy:#07516a;
  --navy-2:#0b6380;
  --blue:#28a9bd;
  --blue-dark:#1685a0;
  --sky:#e9f8fb;
  --sky-2:#d8f1f5;
  --sky-3:#f5fcfd;
  --green:#07516a;
  --green-dark:#063f53;
  --gray-600:#1b596d;
  --gray-500:#5e7f8a;
  --border:#dcecef;
  --white:#fff;
  --shadow:0 18px 48px rgba(7,81,106,.10);
}

body{color:var(--navy);background:#fff}

.btn{
  min-height:48px;padding:0 30px;border-radius:999px;
  font-size:14px;letter-spacing:.1px;
}

.btn-blue,.btn-green{
  color:#fff;background:linear-gradient(90deg,#1d9fb4,#28b4c9);
  box-shadow:0 10px 24px rgba(31,166,190,.18);
}

.btn-blue:hover,.btn-green:hover{
  background:linear-gradient(90deg,#1d9fb4,#28b4c9);
  filter:brightness(.985);transform:translateY(-1px);
}

header.container{
  min-height:76px;padding:0 24px;position:sticky;top:0;z-index:50;background:#fff;
}

header.container::before{
  content:"";position:absolute;z-index:-1;top:0;bottom:0;left:50%;
  width:100vw;transform:translateX(-50%);background:#fff;border-bottom:1px solid #edf5f6;
}

nav ul{gap:28px;font-size:14px}

nav a:hover,nav a[aria-current="page"]{color:var(--blue)}

.nav-toggle{width:44px;height:44px;padding:8px;margin:0;border-radius:10px}

.mobile-nav-panel{max-width:340px;box-shadow:-14px 0 40px rgba(7,81,106,.18)}

.mobile-nav-panel ul li a{border-color:var(--border);font-size:16px}

.article-header{
  max-width:900px;
  margin:0 auto;
  padding:58px 24px 26px;
  text-align:left;
}

.breadcrumb{
  color:var(--gray-500);
  font-size:11.5px;
  margin-bottom:18px;
}

.breadcrumb a{color:var(--blue-dark)}

.article-header .cat-label{
  display:inline-flex;
  align-items:center;
  padding:6px 10px;
  margin-bottom:14px;
  border-radius:999px;
  background:var(--sky);
  color:var(--blue-dark);
  font-size:10.5px;
  font-weight:700;
  letter-spacing:.7px;
  text-transform:uppercase;
}

.article-header h1{
  max-width:820px;
  font-size:clamp(38px,5vw,58px);
  line-height:1.04;
  letter-spacing:-1.6px;
}

.article-header .article-meta{
  margin-top:16px;
  color:var(--gray-500);
  font-size:12px;
}

.article-hero-media{
  max-width:1040px;
  margin:0 auto 36px;
  padding:0 24px;
}

.article-hero-media-frame{
  overflow:hidden;
  border:1px solid #dcecef;
  border-radius:24px;
  background:linear-gradient(180deg,#f8fdfe,#eef9fb);
  box-shadow:0 16px 38px rgba(7,81,106,.08);
}

.article-hero-media img{display:block;width:100%;height:auto}

.article-body{
  max-width:790px;
  margin:0 auto;
  padding:0 24px 46px;
  color:#345f6c;
  font-size:15px;
  line-height:1.78;
}

.article-body > p{margin:0 0 20px}

.article-body h2{
  margin:38px 0 13px;
  color:var(--navy);
  font-size:clamp(22px,3vw,29px);
  line-height:1.23;
}

.article-body h3{
  margin:30px 0 11px;
  color:var(--navy);
}

.article-body ul,.article-body ol{
  margin:12px 0 22px 22px;
  padding:0;
}

.article-body li{margin:8px 0}

.article-body a:not(.article-cta-inline){
  color:var(--blue-dark);
  text-decoration:underline;
  text-decoration-color:rgba(22,133,160,.28);
  text-underline-offset:3px;
}

.article-body strong{color:var(--navy)}

.article-callout{
  margin:26px 0;
  padding:20px 22px;
  border:1px solid #dceef1;
  border-radius:17px;
  background:linear-gradient(180deg,#f8fdfe,#eef9fb);
  color:var(--gray-600);
}

.article-callout.warn{
  border-color:#efdfda;
  background:#fff9f7;
}

.article-callout svg{color:var(--blue-dark);flex:0 0 auto}

.article-cta-inline{
  display:inline-flex;align-items:center;justify-content:center;
  min-height:46px;margin:8px 0 10px;padding:0 24px;border-radius:999px;
  background:linear-gradient(90deg,#1d9fb4,#28b4c9);
  color:#fff !important;text-decoration:none !important;font-weight:700;font-size:12px;
  box-shadow:0 10px 24px rgba(31,166,190,.15);
}

.article-divider{border:0;border-top:1px solid var(--border);margin:35px 0 22px}

.article-share-row{gap:20px}

.article-tags a{
  display:inline-flex;padding:6px 9px;border-radius:999px;
  background:var(--sky);color:var(--blue-dark) !important;
  text-decoration:none !important;font-size:10.5px;font-weight:700;
}

.back-to-blog{
  color:var(--blue-dark) !important;
  text-decoration:none !important;
  font-size:11.5px;font-weight:700;
}

.related-section{
  max-width:1180px;margin:0 auto 46px;padding:0 24px;
}

.related-section > h2{
  margin-bottom:20px;font-size:clamp(25px,3vw,33px);
}

.article-grid{gap:18px}

.article-card{
  overflow:hidden;border:1px solid #e6f2f4;border-radius:20px;background:#fff;
  box-shadow:0 8px 24px rgba(12,84,105,.03);
}

.article-thumb{height:145px;background:linear-gradient(145deg,var(--sky-2),var(--sky-3))}

.article-card-body{padding:20px}

.article-card-body h3{font-size:15.5px;line-height:1.35}

.article-card-body p{color:var(--gray-600);font-size:12px;line-height:1.55}

.article-card .article-meta{
  margin-top:15px;padding-top:12px;border-top:1px solid #edf3f4;color:var(--gray-500);
}

.read-link{color:var(--blue-dark);font-size:11.5px}

.cta-banner{
  max-width:1180px;margin:42px auto 36px;padding:34px 42px;border-radius:20px;
  background:linear-gradient(90deg,#176876,#0d566b);
  box-shadow:0 16px 38px rgba(7,81,106,.12);
}

.cta-banner p{color:#c7e9ed}

.important-info{max-width:1000px;margin:0 auto 52px;padding:0 24px}

.important-info-inner{
  border:1px solid #e6f2f4;border-radius:18px;background:#fff;
  box-shadow:0 10px 30px rgba(12,84,105,.035);
}

.important-info-icon{background:var(--sky-2);color:var(--navy)}

.important-info p{color:var(--gray-600)}

footer{border-top:1px solid var(--border)}

.footer-grid p,.footer-col ul li a{color:#406f7c}

.footer-cta{background:var(--sky);border-radius:16px}

.footer-legal{border-color:var(--border);color:#6b8a93}

@media(max-width:700px){
  .article-header{padding-top:40px}
  .article-header h1{font-size:clamp(34px,10vw,46px)}
  .article-body{font-size:14.5px}
}

@media(max-width:600px){
  header.container{min-height:70px;padding:0 12px}
  .logo-img{width:180px;height:auto}
  .article-header,.article-hero-media,.article-body,.related-section{padding-left:12px;padding-right:12px}
  .article-hero-media-frame{border-radius:18px}
  .article-card{border-radius:17px}
  .cta-banner{
    margin:36px 12px 28px;padding:28px 20px;
    flex-direction:column;align-items:flex-start;gap:22px;text-align:left;
  }
  .cta-banner-right{width:100%;text-align:center}
  .cta-banner-right .btn{width:100%}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-logo,.footer-cta{grid-column:1/-1}
  .footer-legal{flex-direction:column}
}

@media(max-width:390px){
  .footer-grid{grid-template-columns:1fr}
  .footer-logo,.footer-cta{grid-column:auto}
}

.skip-link{
  position:absolute;
  left:-9999px;
  top:auto;
}

.skip-link:focus{
  left:12px;
  top:12px;
  z-index:999;
  background:#fff;
  padding:10px 14px;
  border-radius:8px;
  box-shadow:0 18px 48px rgba(7,81,106,.10);
  color:inherit;
  text-decoration:none;
}

.legal-box ul,
.policy-body ul,
.article-body ul{
  list-style:disc;
  padding-left:1.25em;
  margin:0.75em 0;
}

body.get-started-page {
  background: #fff;
}

.get-started-page .intro-heading {
  max-width: 720px;
  margin: 0 auto 8px;
  text-align: center;
}

.get-started-page .intro-heading h3,
.get-started-page .intro-heading h1 {
  font-family: Poppins, sans-serif;
  font-size: clamp(28px, 4vw, 40px);
  color: var(--navy, #3c5e60);
}

.get-started-container,
.app-card {
  background: #fff;
  border: 1px solid var(--border, #dbe8e9);
  border-radius: 18px;
  padding: 32px 24px 40px;
  box-shadow: 0 18px 48px rgba(7, 81, 106, 0.10);
  max-width: 760px;
  margin: 0 auto 48px;
}

.custom-progress {
  height: 10px;
  background: #eaf6f7;
  border-radius: 999px;
  overflow: hidden;
  margin: 8px auto 28px;
  max-width: 520px;
  box-shadow: none;
}

.custom-progress .progress-bar {
  background: var(--blue, #6cbcc4);
  color: #fff;
  text-align: center;
  line-height: 10px;
  font-size: 0;
  transition: width 0.6s ease;
}

.progress-text,
.custom-progress-text {
  font-size: 13px;
  font-weight: 700;
  color: var(--navy, #3c5e60);
  display: block;
  text-align: right;
  margin: -6px 0 18px;
}

#application .form-group {
  display: flex;
  flex-direction: column;
  align-items: center;
}

#application label,
#application .form-label {
  font-family: Poppins, sans-serif;
  font-size: 22px !important;
  font-weight: 700 !important;
  color: var(--navy, #3c5e60);
  text-align: center;
  margin-bottom: 14px;
}

#application input:not([type="hidden"]):not([type="checkbox"]),
#application select,
#application textarea,
.custom-input,
.form-control-lg,
.form-select-lg {
  width: 100%;
  max-width: 420px;
  margin: 0 auto 16px;
  display: block;
  border: 1px solid var(--border, #dbe8e9);
  border-radius: 8px;
  padding: 12px 14px;
  font-size: 16px;
  font-family: Inter, sans-serif;
  color: var(--navy, #3c5e60);
  background: #fff;
}

#application .fw-light {
  max-width: 520px;
  margin: 0 auto 16px;
  color: var(--gray-600, #57696b);
  font-size: 14px;
  text-align: center;
  font-weight: 400;
}

.btn.next,
.btn-success.next,
#submit-button {
  background: var(--blue, #6cbcc4) !important;
  border: none !important;
  border-radius: 8px;
  padding: 12px 28px;
  font-weight: 700;
  color: #fff !important;
}

.btn.back {
  background: #6c757d !important;
  border: none !important;
  border-radius: 8px;
  padding: 12px 20px;
  font-weight: 700;
  color: #fff !important;
}

.invalid-feedback {
  color: #dc3545;
  font-size: 13px;
}

#processingModal {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 1050;
  overflow: auto;
  padding: 15px;
}

#processingModal::before {
  content: '';
  position: fixed;
  inset: 0;
  background-color: rgba(255, 255, 255, 0.98);
  z-index: -1;
}

#processingModal .modal-dialog {
  margin: 40px auto;
  max-width: 720px;
}

#processingModal .modal-content {
  background: #fff;
  border: none;
  border-radius: 16px;
  padding: 24px;
}

.visually-hidden,
.visually-hidden-focusable:not(:focus) {
  position: absolute !important;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.option-card {
  border: 1px solid var(--border, #dbe8e9);
  border-radius: 14px;
  padding: 22px;
  margin-bottom: 24px;
  background: #fff;
}

.option-title {
  color: var(--navy, #3c5e60);
  font-family: Poppins, sans-serif;
  font-size: 18px;
  margin-bottom: 10px;
}

.option-button,
.cta-button,
.submit-btn {
  background: var(--blue, #6cbcc4) !important;
  border: none !important;
  color: #fff !important;
  border-radius: 8px;
  font-weight: 700;
  padding: 12px 22px;
}

.form-success { display: none; }

.form-success.show {
  display: flex;
  gap: 8px;
  align-items: center;
  margin-top: 16px;
  color: #2c4749;
  font-weight: 600;
}