/* ==========================================================================
   Kapitus — core stylesheet
   Palette order of importance: white > #023759 > #7db156 > #046a32 > light gray
   ========================================================================== */

:root{
  --white:#ffffff;
  --navy:#023759;
  --navy-700:#01293f;
  --navy-050:#eef3f7;
  --green:#7db156;
  --green-dark:#046a32;
  --gray:#f1f4f7;
  --gray-200:#dfe5ea;
  --gray-400:#9aa8b4;
  --ink:#12222f;
  --ink-soft:#4a5c6b;
  --radius:12px;
  --radius-lg:18px;
  --shadow-sm:0 1px 3px rgba(2,55,89,.08);
  --shadow:0 4px 16px rgba(2,55,89,.09);
  --shadow-lg:0 12px 34px rgba(2,55,89,.14);
  --wrap:1220px;
  --nav-h:72px;
  --sans:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --head:'Poppins',var(--sans);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:90px}
body{
  margin:0;font-family:var(--sans);font-size:17px;line-height:1.75;
  color:var(--ink);background:var(--white);
  -webkit-font-smoothing:antialiased;overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration:none}
a:hover{color:var(--green-dark)}
h1,h2,h3,h4,h5{font-family:var(--head);color:var(--navy);line-height:1.25;margin:0 0 .6em}
h1{font-size:clamp(1.85rem,3.4vw,2.7rem);font-weight:800;letter-spacing:-.02em}
h2{font-size:clamp(1.45rem,2.4vw,2rem);font-weight:700;letter-spacing:-.01em}
h3{font-size:clamp(1.15rem,1.7vw,1.4rem);font-weight:700}
h4{font-size:1.05rem;font-weight:700}
p{margin:0 0 1.15em}
ul,ol{margin:0 0 1.2em;padding-left:1.3em}
li{margin-bottom:.5em}
strong{color:var(--navy);font-weight:650}
hr{border:0;border-top:1px solid var(--gray-200);margin:2.4rem 0}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;
  padding:10px 18px;z-index:2147483001}
.skip-link:focus{left:8px;top:8px}

/* ---------- header / nav ---------- */
.site-header{
  position:sticky;top:0;left:0;right:0;
  z-index:2147483000;      /* keep above third-party form embeds */
  isolation:isolate;
  background:rgba(255,255,255,.97);
  backdrop-filter:saturate(180%) blur(10px);
  border-bottom:1px solid var(--gray-200);
  box-shadow:0 1px 0 rgba(2,55,89,.04);
}
.header-inner{display:flex;align-items:center;gap:18px;min-height:var(--nav-h)}
.brand{display:flex;align-items:center;gap:10px;flex:0 0 auto}
.brand img{width:38px;height:38px}
.brand-text{display:flex;flex-direction:column;line-height:1.05}
.brand-name{font-family:var(--head);font-weight:800;font-size:1.16rem;color:var(--navy)}
.brand-sub{font-size:.68rem;letter-spacing:.13em;text-transform:uppercase;color:var(--green-dark);font-weight:600}

.nav{margin-left:auto;display:flex;align-items:center}
.nav-list{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.nav-list>li{margin:0;position:relative}
.nav-link{
  display:inline-flex;align-items:center;gap:6px;padding:10px 14px;border-radius:9px;
  font-size:.95rem;font-weight:600;color:var(--navy);cursor:pointer;white-space:nowrap;
  transition:background .18s,color .18s;
}
.nav-link:hover,.nav-dropdown:hover>.nav-link{background:var(--navy-050);color:var(--green-dark)}
.nav-link.active{color:var(--green-dark);background:var(--navy-050)}
.nav-dropdown-toggle::after{content:"";width:7px;height:7px;border-right:2px solid currentColor;
  border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);opacity:.7}
.nav-dropdown-menu{
  position:absolute;top:calc(100% + 8px);left:0;min-width:266px;list-style:none;margin:0;padding:8px;
  background:#fff;border:1px solid var(--gray-200);border-radius:14px;box-shadow:var(--shadow-lg);
  opacity:0;visibility:hidden;transform:translateY(-8px);transition:.18s;z-index:2147483000;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu{
  opacity:1;visibility:visible;transform:translateY(0)}
/* current-section marker only highlights the trigger; it never opens the panel */
.nav-dropdown.is-current>.nav-link{color:var(--green-dark);background:var(--navy-050)}
.nav-dropdown-item{display:block;padding:9px 13px;border-radius:9px;font-size:.92rem;
  font-weight:550;color:var(--ink);transition:.15s}
.nav-dropdown-item:hover{background:var(--navy-050);color:var(--green-dark);padding-left:17px}
.nav-dropdown-item small{display:block;font-size:.75rem;color:var(--gray-400);font-weight:400}
.nav-sep{width:1px;height:26px;background:var(--gray-200);margin:0 6px}

/* large deliberate gap between Other and the Apply button */
.nav-gap{flex:0 0 auto;width:64px}
.nav-cta{
  flex:0 0 auto;display:inline-flex;align-items:center;gap:8px;
  background:var(--green-dark);color:#fff !important;font-weight:700;font-size:.95rem;
  padding:12px 26px;border-radius:999px;white-space:nowrap;
  box-shadow:0 4px 14px rgba(4,106,50,.28);transition:.18s;
}
.nav-cta:hover{background:var(--green);color:#fff !important;transform:translateY(-1px);
  box-shadow:0 8px 20px rgba(4,106,50,.32)}
.nav-toggle{display:none;background:none;border:0;padding:9px;cursor:pointer;margin-left:auto}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;
  border-radius:2px;transition:.25s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- breadcrumb ---------- */
.breadcrumb-bar{background:var(--gray);border-bottom:1px solid var(--gray-200)}
.breadcrumb{display:flex;flex-wrap:wrap;align-items:center;gap:7px;list-style:none;
  margin:0;padding:11px 0;font-size:.83rem}
.breadcrumb li{margin:0;color:var(--ink-soft)}
.breadcrumb li+li::before{content:"›";margin-right:7px;color:var(--gray-400)}
.breadcrumb a{color:var(--navy);font-weight:550}
.breadcrumb a:hover{color:var(--green-dark);text-decoration:underline}
.breadcrumb [aria-current]{color:var(--ink-soft);font-weight:500}

/* ---------- hero ---------- */
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;
  background:linear-gradient(105deg,rgba(2,55,89,.94) 0%,rgba(2,55,89,.86) 44%,rgba(2,55,89,.55) 100%)}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.55}
.hero-inner{position:relative;z-index:2;padding:64px 0 68px;max-width:730px}
.hero h1{color:#fff;margin-bottom:.45em}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(125,177,86,.2);
  border:1px solid rgba(125,177,86,.5);color:#d8ecc4;font-size:.78rem;font-weight:650;
  letter-spacing:.06em;text-transform:uppercase;padding:6px 15px;border-radius:999px;margin-bottom:20px}
.hero-lede{font-size:1.12rem;color:#d4e2ec;margin-bottom:26px}
.hero-actions{display:flex;flex-wrap:wrap;gap:13px;margin-bottom:26px}
.hero-stats{display:flex;flex-wrap:wrap;gap:30px;padding-top:22px;border-top:1px solid rgba(255,255,255,.18)}
.hero-stat b{display:block;font-family:var(--head);font-size:1.5rem;color:var(--green);line-height:1.2}
.hero-stat span{font-size:.83rem;color:#b9cddb}
.hero--slim .hero-inner{padding:48px 0 52px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-family:var(--head);font-weight:650;font-size:1rem;padding:14px 30px;border-radius:999px;
  border:2px solid transparent;cursor:pointer;transition:.2s;text-align:center}
.btn-primary{background:var(--green-dark);color:#fff;box-shadow:0 6px 18px rgba(4,106,50,.3)}
.btn-primary:hover{background:var(--green);color:#fff;transform:translateY(-2px)}
.btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-700);color:#fff;transform:translateY(-2px)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--gray-200)}
.btn-ghost:hover{border-color:var(--green);color:var(--green-dark)}
.btn-sm{font-size:.9rem;padding:10px 22px}
.btn-block{display:flex;width:100%}

/* ---------- form embed guard ---------- */
.form-zone{background:var(--gray);padding:44px 0 52px;border-bottom:1px solid var(--gray-200)}
.form-shell{max-width:860px;margin:0 auto;background:#fff;border:1px solid var(--gray-200);
  border-radius:var(--radius-lg);box-shadow:var(--shadow);padding:28px 26px 32px}
.form-shell h2{text-align:center;margin-bottom:.25em}
.form-shell .form-note{text-align:center;color:var(--ink-soft);font-size:.94rem;margin-bottom:22px}
/* traps any high z-index injected by the third-party widget */
.form-embed{position:relative;z-index:1;isolation:isolate;min-height:320px}
.form-embed *{max-width:100%}
.form-trust{display:flex;flex-wrap:wrap;justify-content:center;gap:18px;margin-top:20px;
  font-size:.82rem;color:var(--ink-soft)}
.form-trust span{display:inline-flex;align-items:center;gap:6px}
.form-trust b{color:var(--green-dark)}

/* ---------- layout with sidebar ---------- */
.page{padding:52px 0 60px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
.article{min-width:0}
.article>section{margin-bottom:2.6rem}
.article h2{margin-top:.4em;padding-bottom:.4rem;border-bottom:2px solid var(--navy-050)}
.lede{font-size:1.1rem;color:var(--ink-soft)}

/* float-wrapped in-content images */
.wrap-img{margin:0 0 1.4rem;max-width:44%;}
.wrap-img img{border-radius:var(--radius);box-shadow:var(--shadow)}
.wrap-img figcaption{font-size:.79rem;color:var(--ink-soft);padding-top:8px;line-height:1.5}
.wrap-right{float:right;margin-left:1.8rem}
.wrap-left{float:left;margin-right:1.8rem}
.clearfix::after{content:"";display:block;clear:both}

/* ---------- sidebar ---------- */
.sidebar{position:sticky;top:96px;display:flex;flex-direction:column;gap:18px}
.side-box{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);
  padding:18px 18px 20px;box-shadow:var(--shadow-sm)}
.side-box h3{font-size:.94rem;text-transform:uppercase;letter-spacing:.07em;color:var(--green-dark);
  margin-bottom:.8em;padding-bottom:.55em;border-bottom:1px solid var(--gray-200)}
.side-box p,.side-box li{font-size:.9rem;line-height:1.65}
.side-box ul{list-style:none;padding:0;margin:0}
.side-box ul li{padding:6px 0;border-bottom:1px dashed var(--gray-200)}
.side-box ul li:last-child{border-bottom:0}
.side-box--accent{background:var(--navy);border-color:var(--navy)}
.side-box--accent h3,.side-box--accent p,.side-box--accent li,.side-box--accent strong{color:#fff}
.side-box--accent h3{border-bottom-color:rgba(255,255,255,.22);color:var(--green)}
.side-box--soft{background:var(--gray)}
.side-stat{display:flex;justify-content:space-between;align-items:baseline;
  padding:7px 0;border-bottom:1px dashed var(--gray-200);font-size:.9rem}
.side-stat:last-child{border-bottom:0}
.side-stat b{font-family:var(--head);color:var(--green-dark)}
.side-rating{display:flex;align-items:center;gap:10px;margin-bottom:10px}
.side-rating .num{font-family:var(--head);font-size:2rem;font-weight:800;color:var(--navy)}
.stars{color:#e8a33d;letter-spacing:2px;font-size:1rem}
.side-mini{display:flex;gap:11px;padding:9px 0;border-bottom:1px dashed var(--gray-200)}
.side-mini:last-child{border-bottom:0}
.side-mini img{width:64px;height:44px;object-fit:cover;border-radius:7px;flex:0 0 auto}
.side-mini a{font-size:.86rem;font-weight:600;line-height:1.4}

/* ---------- generic cards ---------- */
.grid{display:grid;gap:22px}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);
  overflow:hidden;box-shadow:var(--shadow-sm);transition:.22s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--green)}
.card-media{display:block;aspect-ratio:16/9;overflow:hidden;background:var(--gray)}
.card-media img{width:100%;height:100%;object-fit:cover;transition:transform .4s}
.card:hover .card-media img{transform:scale(1.05)}
.card-body{padding:18px 20px 22px;display:flex;flex-direction:column;flex:1}
.card-body h3{margin-bottom:.45em;font-size:1.1rem}
.card-body h3 a{color:var(--navy)}
.card-body h3 a:hover{color:var(--green-dark)}
.card-body p{font-size:.93rem;color:var(--ink-soft);margin-bottom:1em}
.card-meta{margin-top:auto;font-size:.79rem;color:var(--gray-400);display:flex;gap:12px;flex-wrap:wrap}
.card-link{font-size:.9rem;font-weight:650;color:var(--green-dark)}

/* amount cards (3 per row, every loan category page) */
.amount-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:34px 0 8px;
  align-items:stretch}
.amount-card{background:#fff;border:2px solid var(--gray-200);border-radius:var(--radius-lg);
  padding:30px 20px 26px;text-align:center;transition:.22s;
  display:flex;flex-direction:column}
.amount-card>ul{flex:1 1 auto}
.amount-card:hover{border-color:var(--green);box-shadow:var(--shadow);transform:translateY(-3px)}
.amount-card .amt{font-family:var(--head);font-size:clamp(1.35rem,2.1vw,1.75rem);font-weight:800;
  color:var(--navy);display:block;line-height:1.25;white-space:nowrap}
.amount-card .amt-sub{display:block;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;
  color:var(--green-dark);font-weight:650;margin-bottom:12px}
.amount-card ul{list-style:none;padding:0;margin:0 0 16px;text-align:left}
.amount-card li{font-size:.85rem;padding:5px 0;border-bottom:1px dashed var(--gray-200);color:var(--ink-soft)}
.amount-card li:last-child{border-bottom:0}
.amount-card--featured{border-color:var(--green-dark);position:relative}
.amount-card--featured::before{
  content:"Most requested";
  position:absolute;top:-14px;left:50%;transform:translateX(-50%);
  width:max-content;max-width:calc(100% - 24px);
  white-space:nowrap;                 /* one line, never wraps onto the amount */
  background:var(--green-dark);color:#fff;
  font-family:var(--head);font-size:.7rem;font-weight:700;line-height:1;
  letter-spacing:.1em;text-transform:uppercase;
  padding:9px 26px;border-radius:999px;
  box-shadow:0 3px 10px rgba(4,106,50,.28);
}

/* callouts / tables */
.callout{background:var(--navy-050);border-left:4px solid var(--green);border-radius:0 var(--radius) var(--radius) 0;
  padding:18px 22px;margin:1.6rem 0}
.callout h4{margin-bottom:.4em;color:var(--green-dark)}
.callout p:last-child{margin-bottom:0}
.callout--warn{background:#fdf6ec;border-left-color:#e0a144}
.table-wrap{overflow-x:auto;margin:1.6rem 0;border:1px solid var(--gray-200);border-radius:var(--radius)}
table{width:100%;border-collapse:collapse;font-size:.92rem;background:#fff}
th,td{padding:12px 15px;text-align:left;border-bottom:1px solid var(--gray-200)}
th{background:var(--navy);color:#fff;font-family:var(--head);font-weight:650;font-size:.86rem;
  letter-spacing:.02em}
tbody tr:nth-child(even){background:var(--gray)}
tbody tr:last-child td{border-bottom:0}

/* expert / E-E-A-T block */
.expert{display:flex;gap:16px;background:var(--gray);border-radius:var(--radius);padding:20px 22px;margin:1.6rem 0}
.expert .mark{flex:0 0 auto;width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;
  display:flex;align-items:center;justify-content:center;font-family:var(--head);font-weight:800}
.expert p{margin-bottom:.6em;font-size:.95rem}
.expert cite{display:block;font-style:normal;font-size:.82rem;color:var(--ink-soft)}

/* review list */
.review-list{display:grid;gap:16px}
.review{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);padding:18px 20px;
  box-shadow:var(--shadow-sm)}
.review-head{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin-bottom:8px}
.review-name{font-family:var(--head);font-weight:700;color:var(--navy)}
.review-loc{font-size:.82rem;color:var(--gray-400)}
.review-date{margin-left:auto;font-size:.78rem;color:var(--gray-400)}
.review p{margin:0;font-size:.95rem}
.review-verified{font-size:.72rem;font-weight:700;color:var(--green-dark);background:rgba(125,177,86,.16);
  padding:3px 9px;border-radius:999px;letter-spacing:.04em;text-transform:uppercase}

/* lender comparison entries */
.lender{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);
  padding:22px 24px;margin-bottom:18px;box-shadow:var(--shadow-sm)}
.lender h3{margin-bottom:.3em}
.lender .lender-meta{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:12px}
.chip{font-size:.74rem;font-weight:650;background:var(--navy-050);color:var(--navy);
  padding:4px 11px;border-radius:999px;letter-spacing:.02em}
.chip--green{background:rgba(125,177,86,.18);color:var(--green-dark)}
.lender p{font-size:.94rem;margin-bottom:.9em}
.lender .split{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:10px}
.lender .split h4{font-size:.86rem;text-transform:uppercase;letter-spacing:.06em;color:var(--green-dark)}
.lender .split ul{margin:0;padding-left:1.1em;font-size:.9rem}

/* author box + share */
.author-box{display:flex;gap:16px;align-items:flex-start;background:var(--gray);
  border-radius:var(--radius);padding:20px 22px;margin:2rem 0 1.4rem}
.author-box .init{flex:0 0 auto;width:52px;height:52px;border-radius:50%;background:var(--navy);
  color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--head);
  font-weight:800;font-size:1.1rem}
.author-box h4{margin-bottom:.2em}
.author-box p{font-size:.9rem;margin-bottom:.4em;color:var(--ink-soft)}
.author-role{font-size:.79rem;text-transform:uppercase;letter-spacing:.07em;color:var(--green-dark);font-weight:650}
.share-row{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin:1.4rem 0 2rem}
.share-row span{font-size:.84rem;font-weight:650;color:var(--ink-soft);margin-right:4px}
.share-btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;
  padding:8px 16px;border-radius:999px;border:1px solid var(--gray-200);background:#fff;
  font-size:.83rem;font-weight:600;color:var(--navy);cursor:pointer;transition:.18s}
.share-btn:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.post-meta{display:flex;flex-wrap:wrap;gap:16px;font-size:.85rem;color:var(--ink-soft);
  padding-bottom:1.2rem;margin-bottom:1.6rem;border-bottom:1px solid var(--gray-200)}
.related-row{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:1rem}

/* CTA above footer */
.cta-zone{background:linear-gradient(120deg,var(--navy) 0%,var(--navy-700) 60%,var(--green-dark) 165%);
  color:#fff;padding:52px 0 56px;text-align:center}
.cta-zone h2{color:#fff;margin-bottom:.4em}
.cta-zone p{max-width:660px;margin:0 auto 26px;color:#cfdde7}
.cta-actions{display:flex;flex-wrap:wrap;justify-content:center;gap:14px}
.cta-fine{margin-top:22px;font-size:.8rem;color:#9db6c7}

/* footer */
.site-footer{background:var(--navy-700);color:#c3d3de;padding:52px 0 0;font-size:.9rem}
.footer-grid{display:grid;grid-template-columns:1.55fr 1fr 1fr 1fr;gap:34px;padding-bottom:34px}
.site-footer h4{color:#fff;font-size:.86rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:1em}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:.55em}
.site-footer a{color:#c3d3de}
.site-footer a:hover{color:var(--green)}
.footer-brand{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.footer-brand img{width:36px;height:36px}
.footer-brand b{font-family:var(--head);font-size:1.1rem;color:#fff}
.footer-contact li{display:flex;gap:8px}
.footer-disclosure{border-top:1px solid rgba(255,255,255,.13);padding:24px 0;
  font-size:.78rem;line-height:1.7;color:#93aabb}
.footer-disclosure strong{color:#dbe6ee}
.footer-bottom{border-top:1px solid rgba(255,255,255,.13);padding:18px 0 26px;
  display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;font-size:.8rem;color:#8ea6b8}

/* scroll to top */
.to-top{position:fixed;right:22px;bottom:22px;width:46px;height:46px;border-radius:50%;
  background:var(--navy);color:#fff;border:0;cursor:pointer;display:flex;align-items:center;
  justify-content:center;box-shadow:var(--shadow-lg);opacity:0;visibility:hidden;
  transform:translateY(12px);transition:.25s;z-index:2147482000}
.to-top.show{opacity:1;visibility:visible;transform:translateY(0)}
.to-top:hover{background:var(--green-dark)}
.to-top svg{width:19px;height:19px}

/* faq accordion */
.faq-item{border:1px solid var(--gray-200);border-radius:var(--radius);margin-bottom:12px;background:#fff}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:16px 20px;cursor:pointer;
  font-family:var(--head);font-weight:650;font-size:1rem;color:var(--navy);
  display:flex;justify-content:space-between;gap:14px;align-items:center}
.faq-q::after{content:"+";font-size:1.4rem;color:var(--green-dark);flex:0 0 auto;line-height:1}
.faq-item.open .faq-q::after{content:"–"}
.faq-a{display:none;padding:0 20px 18px;font-size:.95rem;color:var(--ink-soft)}
.faq-item.open .faq-a{display:block}

/* calculator */
.calc{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);
  padding:26px;box-shadow:var(--shadow)}
.calc label{display:block;font-weight:650;font-size:.9rem;color:var(--navy);margin-bottom:6px}
.calc .field{margin-bottom:20px}
.calc input[type=range]{width:100%;accent-color:var(--green-dark)}
.calc .val{font-family:var(--head);font-size:1.35rem;font-weight:800;color:var(--green-dark)}
.calc-out{background:var(--navy);color:#fff;border-radius:var(--radius);padding:22px;margin-top:8px}
.calc-out .big{font-family:var(--head);font-size:2.2rem;font-weight:800;color:var(--green);line-height:1.15}
.calc-out .row{display:flex;justify-content:space-between;padding:7px 0;
  border-bottom:1px dashed rgba(255,255,255,.2);font-size:.92rem}
.calc-out .row:last-child{border-bottom:0}

.section-head{text-align:center;max-width:760px;margin:0 auto 34px}
.section-head p{color:var(--ink-soft)}
.band{background:var(--gray);padding:56px 0}
.band-white{background:#fff;padding:56px 0}

/* ---------- responsive ---------- */
@media (max-width:1080px){
  .layout{grid-template-columns:1fr;gap:34px}
  .sidebar{position:static;display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .nav-gap{display:none}
  .nav-toggle{display:block}
  .nav{position:fixed;inset:var(--nav-h) 0 auto 0;background:#fff;border-bottom:1px solid var(--gray-200);
    box-shadow:var(--shadow-lg);max-height:calc(100vh - var(--nav-h));overflow-y:auto;
    display:none;padding:14px 20px 22px;z-index:2147483000}
  .nav.open{display:block}
  .nav-list{flex-direction:column;align-items:stretch;gap:2px}
  .nav-link{width:100%;justify-content:space-between;padding:13px 12px}
  .nav-dropdown-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;
    border:0;border-left:2px solid var(--gray-200);border-radius:0;margin:2px 0 8px 12px;
    padding:0 0 0 8px;display:none;min-width:0}
  .nav-dropdown.open .nav-dropdown-menu{display:block}
  .nav-dropdown.is-current>.nav-link{background:var(--navy-050)}
  .nav-sep{display:none}
  .nav-cta{width:100%;justify-content:center;margin-top:12px}
  .grid-3,.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .amount-grid{grid-template-columns:1fr;gap:16px}
  .amount-card--featured::before{top:-13px;padding:8px 20px;font-size:.66rem;letter-spacing:.08em}
  .amount-card .amt{font-size:1.7rem}
  .lender .split{grid-template-columns:1fr}
}
@media (max-width:640px){
  body{font-size:16px}
  .hero-inner{padding:46px 0 48px}
  .hero-stats{gap:18px}
  .grid-2,.grid-3,.grid-4{grid-template-columns:1fr}
  .sidebar{grid-template-columns:1fr}
  .wrap-img{float:none !important;max-width:100%;margin:0 0 1.4rem}
  .related-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:26px}
  .form-shell{padding:20px 16px 24px}
  .to-top{right:14px;bottom:14px}
  .page{padding:38px 0 44px}
}
@media print{.site-header,.to-top,.cta-zone,.sidebar,.form-zone{display:none}}

/* ==========================================================================
   Typography polish — widow/orphan control and balanced line breaking
   ========================================================================== */
h1,h2,h3,h4,h5,.hero-lede,.section-head p,.card-body h3,.amount-card .amt,
.cta-zone h2,.side-box h3,figcaption,.lender h3,blockquote{
  text-wrap:balance;
}
p,li,td,th,.lede,.card-body p,.expert p,.review p,.author-box p,.faq-a p{
  text-wrap:pretty;
}
p,li,td{overflow-wrap:break-word;hyphens:none}
/* keep short trailing words with the previous one where balance is unsupported */
@supports not (text-wrap: balance){
  h1,h2,h3{max-width:24ch}
  .hero h1{max-width:20ch}
}
.hero h1{max-width:18ch}
.hero-lede{max-width:56ch}
.section-head p,.lede{max-width:68ch}
.article p,.article li{max-width:none}
.card-body h3{min-height:2.5em}
.card-body p{min-height:3.4em}
.amount-card ul{min-height:9.5em}
.lender .split ul{min-height:6.5em}

/* ==========================================================================
   Image-free hero (used where no unique photograph is assigned)
   ========================================================================== */
.hero--plain{background:linear-gradient(125deg,#023759 0%,#01293f 52%,#046a32 148%)}
.hero--plain::after{display:none}
.hero--plain::before{
  content:"";position:absolute;inset:0;opacity:.16;
  background-image:radial-gradient(circle at 18% 24%,#7db156 0,transparent 42%),
                   radial-gradient(circle at 82% 70%,#ffffff 0,transparent 46%);
}
.hero--plain .hero-inner{position:relative;z-index:2}

/* card media fallback keeps grids symmetric when a card has no image */
.card-media--plain{
  display:block;aspect-ratio:16/9;
  background:linear-gradient(125deg,#023759 0%,#046a32 130%);
  position:relative;
}
.card-media--plain::after{
  content:attr(data-label);position:absolute;inset:0;display:flex;align-items:center;
  justify-content:center;padding:0 18px;text-align:center;color:#d8ecc4;
  font-family:var(--head);font-weight:700;font-size:.95rem;letter-spacing:.02em;
}

/* equal-height, symmetric grids regardless of content length */
.grid>.card,.grid>article.card{height:100%}
.grid-3>.card:only-child{max-width:33%}