@font-face{font-family:"Manrope";font-style:normal;font-weight:400;font-display:swap;src:url(fonts/manrope-400.woff2) format("woff2")}
@font-face{font-family:"Manrope";font-style:normal;font-weight:500;font-display:swap;src:url(fonts/manrope-500.woff2) format("woff2")}
@font-face{font-family:"Manrope";font-style:normal;font-weight:600;font-display:swap;src:url(fonts/manrope-600.woff2) format("woff2")}
@font-face{font-family:"Libre Caslon Text";font-style:normal;font-weight:400;font-display:swap;src:url(fonts/libre-caslon-band.woff2) format("woff2")}
:root{
--ink:#2F5B3A;--ink-2:#244A2F;--ink-soft:#E3EBE2;--accent:#8C6A46;--accent-text:#6E5134;--accent-soft:#EFE6DA;
--bg:#EFECE4;--panel:#F7F5F0;--card:#FFFFFF;--text:#1E231F;--muted:#565D56;--line:#DDD6C8;
--hero-text:#2A2F2B;--hero-ink:#22462C;
--r:14px;--r-in:8px;--pad:clamp(1.4rem,4vw,2.9rem);--gap:22px;--max:1200px;
--sans:"Manrope",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
--serif:"Libre Caslon Text",Georgia,"Times New Roman",serif;
--fb:1141px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;background:var(--bg);color:var(--text);font:400 16px/1.6 var(--sans);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--ink)}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:6px}
h1,h2,h3{text-wrap:balance;color:var(--text);margin:0}
h1{font-weight:500;letter-spacing:-.03em;line-height:1.1}
h2{font-size:clamp(1.7rem,3vw,2.2rem);font-weight:500;letter-spacing:-.02em;line-height:1.18}
h3{font-size:1.12rem;font-weight:600;letter-spacing:-.01em;line-height:1.3}
p{margin:0}
.skip{position:absolute;left:-9999px;top:8px;z-index:2147483001;background:var(--card);padding:.6rem 1rem;border-radius:8px}
.skip:focus{left:12px}
.wrap{width:100%;max-width:calc(var(--max) + 32px);margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
.eyebrow{display:flex;align-items:center;gap:.6rem;font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--accent-text)}
.eyebrow::before{content:"";width:22px;height:2px;background:currentColor;flex:none}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:46px;padding:.7rem 1.25rem;border-radius:10px;font:600 .95rem/1.2 var(--sans);text-decoration:none;cursor:pointer;border:1px solid transparent;transition:background .15s,border-color .15s}
.btn-primary{background:var(--ink);color:#fff}
.btn-primary:hover{background:var(--ink-2)}
.btn-ghost{background:var(--card);color:var(--text);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--ink)}
.btn-white{background:#fff;color:var(--ink)}
.site-nav{position:sticky;top:10px;z-index:2147483000;isolation:isolate;height:0;margin:10px auto 0;max-width:calc(var(--max) + 32px);padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
.site-nav .bar{position:relative;max-width:var(--max);margin:0 auto;display:flex;align-items:center;gap:1rem;height:64px;padding:0 1.1rem 0 1.25rem;border:1px solid transparent;border-radius:var(--r);transition:background .2s,border-color .2s,box-shadow .2s;transform:translateY(12px)}
.site-nav.scrolled .bar{background:var(--panel);border-color:var(--line);box-shadow:0 10px 28px -18px rgba(30,35,31,.35);transform:none}
.logo{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--text);font-weight:600;font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;white-space:nowrap}
.logo img{width:34px;height:34px}
.nav-links{display:flex;align-items:center;gap:.55rem;list-style:none;margin:0;padding:0}
.nav-links>li{position:relative}
.nav-links>li>a,.dd-btn{display:inline-flex;align-items:center;gap:.3rem;min-height:44px;padding:0 1rem;border:0;background:rgba(247,245,240,.72);color:var(--text);font:500 .92rem var(--sans);text-decoration:none;border-radius:999px;cursor:pointer}
.site-nav.scrolled .nav-links>li>a,.site-nav.scrolled .dd-btn{background:transparent}
.nav-links>li>a:hover,.dd-btn:hover{color:var(--ink)}
.dd-btn svg{width:12px;height:12px}
.dd{position:absolute;top:100%;left:0;margin:0;list-style:none;padding:.45rem;min-width:200px;width:max-content;max-width:calc(100vw - 32px);background:var(--panel);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);box-shadow:0 18px 36px -20px rgba(30,35,31,.4);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.dd a{display:block;padding:.55rem .75rem;border-radius:6px;color:var(--text);text-decoration:none;font-size:.93rem;white-space:nowrap}
.dd a:hover{background:var(--ink-soft);color:var(--ink)}
.nav-space{flex:1}
.nav-apply{background:var(--ink);color:#fff;border-radius:999px;min-height:44px;padding:0 1.15rem;display:inline-flex;align-items:center;font-weight:600;font-size:.92rem;text-decoration:none;white-space:nowrap}
.nav-apply:hover{background:var(--ink-2)}
.menu-btn{display:none;margin-left:auto;width:44px;height:44px;border-radius:10px;border:1px solid var(--line);background:var(--card);cursor:pointer;align-items:center;justify-content:center}
.menu-btn svg{width:20px;height:20px}
@media (max-width:1060px){.nav-links{gap:.35rem}.nav-links>li>a,.dd-btn{padding:0 .7rem;font-size:.88rem}.logo span{display:none}}
@media (max-width:760px){
.site-nav{top:0}
.site-nav .bar{transform:none;border-radius:0 0 var(--r) var(--r);background:var(--panel);border-color:var(--line);padding:0 .6rem 0 .9rem}
.menu-btn{display:inline-flex}
.logo span{display:inline}
.nav-menu{display:none;position:absolute;top:64px;left:0;right:0;background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:.6rem;max-height:calc(100vh - 80px);overflow:auto}
.site-nav.menu-open .nav-menu{display:block}
.nav-links{flex-direction:column;align-items:stretch;gap:.1rem}
.nav-links>li>a,.dd-btn{width:100%;justify-content:space-between;background:transparent;min-height:46px;border-radius:8px;font-size:1rem}
.dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;background:transparent;width:auto;max-width:none;padding:0 0 .3rem .6rem}
.dd::before{display:none}
.has-dd:hover>.dd,.has-dd:focus-within>.dd{display:none}
.has-dd.open>.dd{display:block}
.dd a{min-height:44px;display:flex;align-items:center}
.nav-space{display:none}
.nav-apply{margin-top:.5rem;justify-content:center;min-height:48px}
}
@media (min-width:761px){.nav-menu{display:contents}}
.hero{position:relative;margin-top:0;border-radius:var(--r);overflow:hidden;background:var(--panel);border:1px solid var(--line)}
.hero-text{position:relative;z-index:1;display:flex;flex-direction:column;gap:.9rem;padding:96px var(--pad) var(--pad)}
.hero h1{font-size:clamp(2.4rem,4.4vw,3.4rem)}
.page-hero h1{font-size:clamp(1.95rem,3vw,2.5rem)}
.updated{font-size:.82rem;color:var(--muted)}
.lead{font-size:1.06rem;color:var(--muted);max-width:52ch}
.crumbs{display:flex;flex-wrap:wrap;gap:.35rem;list-style:none;margin:0;padding:0;font-size:.82rem;color:var(--muted)}
.crumbs li+li::before{content:"/";margin-right:.35rem;color:var(--line)}
.crumbs a{color:inherit}
.cta-row{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:.2rem}
.trust-row{display:flex;align-items:center;gap:.8rem;flex-wrap:wrap;font-size:.86rem;color:var(--muted)}
.hero.fb .trust-row{background:rgba(247,245,240,.9);border-radius:999px;padding:.3rem .9rem .3rem .3rem;align-self:flex-start;max-width:100%}
.avatars{display:flex}
.avatars img{width:38px;height:38px;border-radius:50%;border:2px solid #fff;object-fit:cover}
.avatars img+img{margin-left:-10px}
.stars{display:inline-flex;gap:2px;color:var(--accent)}
.stars svg{width:15px;height:15px}
.hero-img{position:relative}
.hero-img img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.chips-label{font-size:.72rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.chips{display:flex;flex-wrap:nowrap;overflow-x:auto;gap:.35rem;list-style:none;margin:0;padding:0 0 2px;scrollbar-width:none}
.chips::-webkit-scrollbar{display:none}
.chips li{flex:none}
.chips a{display:inline-flex;align-items:center;height:32px;padding:.3rem .65rem;border-radius:999px;background:var(--card);border:1px solid var(--line);font-size:.8rem;font-weight:500;color:var(--text);text-decoration:none;white-space:nowrap}
.chips a:hover{border-color:var(--ink);color:var(--ink)}
@media (max-width:1140px){
.hero{display:flex;flex-direction:column}
.hero-img{padding:0 var(--pad) var(--pad)}
.hero-img img{max-width:720px;border-radius:var(--r-in)}
}
@media (min-width:1141px){
.hero.fb{aspect-ratio:16/9}
.hero.fb .hero-img{position:absolute;inset:0;z-index:0}
.hero.fb .hero-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;aspect-ratio:auto}
.hero.fb::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:linear-gradient(90deg,rgba(247,245,240,.72) 0,rgba(247,245,240,.62) calc(var(--pad) + 300px),rgba(247,245,240,.6) calc(var(--pad) + 480px),rgba(247,245,240,0) max(56%,calc(var(--pad) + 560px)))}
.hero.fb .hero-text{position:absolute;inset:0;z-index:1;justify-content:center;max-width:calc(560px + var(--pad) * 2);padding-top:84px}
.hero.fb .lead,.hero.fb .updated,.hero.fb .crumbs,.hero.fb .trust-row,.hero.fb .chips-label{color:var(--hero-text)}
.hero.fb .eyebrow{color:var(--hero-ink)}
.hero.fb .lead{max-width:480px}
.hero.fb h1{max-width:540px}
.chips{display:block;text-wrap:balance;font-size:0;line-height:0;max-width:600px;margin:-.175rem;overflow:visible;padding:0}
.chips li{display:inline-block;margin:.175rem}
}
main{display:block}
.stack{display:flex;flex-direction:column;gap:var(--gap);padding-bottom:var(--gap)}
.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad)}
.card-in{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in)}
.sec-head{display:flex;flex-direction:column;gap:.7rem;max-width:760px}
.sec-head p{color:var(--muted);font-size:1.02rem}
/*CRIT-END*/
.prose{color:var(--muted);font-size:1rem}
.prose>*+*{margin-top:1rem}
.prose h3{color:var(--text);margin-top:1.6rem}
.prose ul,.prose ol{padding-left:1.25rem;margin-bottom:0}
.prose li+li{margin-top:.4rem}
.prose a{color:var(--ink);text-underline-offset:3px}
.prose strong{color:var(--text);font-weight:600}
.answer{font-size:1.06rem;color:var(--text);text-wrap:balance}
.article-sec{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,680px);gap:2rem 3rem;align-items:start}
.article-sec .sec-title{position:sticky;top:96px;display:flex;flex-direction:column;gap:.8rem}
.sec-num{font-size:.8rem;font-weight:600;letter-spacing:.12em;color:var(--accent-text)}
.article-sec.full{grid-template-columns:minmax(0,1fr)}
.article-sec.full .sec-title{position:static;max-width:760px}
@media (max-width:1020px){.article-sec{grid-template-columns:minmax(0,1fr);gap:1.2rem}.article-sec .sec-title{position:static}}
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-in);background:var(--card)}
table{width:100%;border-collapse:collapse;font-size:.94rem;font-variant-numeric:tabular-nums}
caption{caption-side:top;text-align:left;padding:.85rem 1rem;font-weight:600;color:var(--text);border-bottom:1px solid var(--line)}
th,td{padding:.7rem 1rem;text-align:left;border-bottom:1px solid var(--line);vertical-align:top;color:var(--text)}
th{font-weight:600;background:var(--accent-soft);font-size:.86rem}
tr:last-child td{border-bottom:0}
.example{padding:1.1rem 1.2rem}
.example h3{font-size:1rem;margin-bottom:.6rem}
.example dl{display:grid;grid-template-columns:auto 1fr;gap:.35rem 1.2rem;margin:0;font-variant-numeric:tabular-nums}
.example dt{color:var(--muted)}
.example dd{margin:0;color:var(--text);font-weight:600}
.example p{margin-top:.7rem}
.callout{padding:1rem 1.2rem;border-left:3px solid var(--accent);background:var(--card);border-radius:0 var(--r-in) var(--r-in) 0}
.callout strong{display:block;color:var(--text);margin-bottom:.2rem}
.split{margin:1.4rem 0 0;max-width:360px}
.split img{width:100%;height:auto;aspect-ratio:3/4;object-fit:cover;border-radius:var(--r-in)}
.split figcaption{font-size:.82rem;color:var(--muted);margin-top:.5rem}
.stat-strip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;padding:0;overflow:hidden}
.stat-strip div{padding:1.1rem 1.3rem;border-left:1px solid var(--line)}
.stat-strip div:first-child{border-left:0}
.stat-strip b{display:block;font-size:1.35rem;font-weight:600;color:var(--ink);font-variant-numeric:tabular-nums;letter-spacing:-.01em}
.stat-strip span{font-size:.84rem;color:var(--muted)}
@media (max-width:760px){.stat-strip{grid-template-columns:repeat(2,minmax(0,1fr))}.stat-strip div:nth-child(3){border-left:0}.stat-strip div:nth-child(n+3){border-top:1px solid var(--line)}}
.tiers{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin-top:1.4rem}
.tier{position:relative;display:flex;flex-direction:column;gap:.55rem;padding:1.3rem;text-decoration:none;color:inherit}
.tier:hover{border-color:var(--ink)}
.tier .range{font-size:1.45rem;font-weight:600;color:var(--text);font-variant-numeric:tabular-nums;letter-spacing:-.01em}
.tier .t-title{font-weight:600;color:var(--text)}
.tier p{color:var(--muted);font-size:.93rem}
.tier .term{font-size:.84rem;color:var(--accent-text);font-weight:600;margin-top:auto}
.tier .bar{height:6px;border-radius:999px;background:var(--ink-soft);overflow:hidden}
.tier .bar i{display:block;height:100%;background:var(--accent);border-radius:inherit}
.tier .badge{position:absolute;top:-11px;right:1rem;background:var(--ink);color:#fff;font-size:.72rem;font-weight:600;letter-spacing:.06em;padding:.25rem .6rem;border-radius:999px}
@media (max-width:900px){.tiers{grid-template-columns:minmax(0,1fr)}}
.qa{display:flex;flex-direction:column;gap:1.3rem;max-width:860px}
.qa h3{margin-bottom:.35rem}
.qa p{color:var(--muted)}
.rel-grid{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);gap:var(--gap)}
@media (max-width:900px){.rel-grid{grid-template-columns:minmax(0,1fr)}}
.link-list{list-style:none;margin:1rem 0 0;padding:0;display:flex;flex-direction:column}
.link-list a{display:flex;justify-content:space-between;gap:1rem;padding:.75rem 0;border-bottom:1px solid var(--line);color:var(--text);text-decoration:none;font-weight:500}
.link-list li:last-child a{border-bottom:0}
.link-list a::after{content:"→";color:var(--accent-text)}
.link-list a:hover{color:var(--ink)}
.author{display:flex;gap:1rem;align-items:flex-start}
.initials{flex:none;width:52px;height:52px;border-radius:50%;background:var(--ink-soft);color:var(--ink);display:flex;align-items:center;justify-content:center;font-weight:600;letter-spacing:.04em}
.author p{color:var(--muted);font-size:.93rem}
.author .who{color:var(--text);font-weight:600}
.share{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1rem}
.share a{display:inline-flex;align-items:center;min-height:40px;padding:0 .85rem;border:1px solid var(--line);border-radius:999px;font-size:.85rem;text-decoration:none;color:var(--text);background:var(--card)}
.explore h2{font-size:clamp(1.4rem,2.4vw,1.7rem)}
.explore-groups{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.4rem 2.4rem;margin-top:1.2rem}
.explore-groups p{font-size:.78rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:.6rem}
.pills{display:flex;flex-wrap:wrap;gap:.45rem;list-style:none;margin:0;padding:0}
.pills a{display:inline-flex;align-items:center;min-height:40px;padding:0 .9rem;border-radius:999px;border:1px solid var(--line);background:var(--card);color:var(--text);text-decoration:none;font-size:.9rem;font-weight:500}
.pills a:hover{border-color:var(--ink);color:var(--ink)}
@media (max-width:700px){.explore-groups{grid-template-columns:minmax(0,1fr)}}
.cta-band{background:var(--ink);border-color:var(--ink);color:#fff;display:flex;align-items:center;justify-content:space-between;gap:1.5rem;flex-wrap:wrap}
.cta-band .eyebrow{color:#E9DCC9}
.cta-band h2{color:#fff;font-size:clamp(1.6rem,2.8vw,2.1rem)}
.cta-band p{color:#DCE6DD;max-width:56ch;margin-top:.5rem}
.footer{display:grid;grid-template-columns:minmax(0,1.5fr) repeat(3,minmax(0,1fr));gap:2rem}
.footer .logo{margin-bottom:.8rem}
.footer .f-desc{color:var(--muted);font-size:.93rem}
.nap{font-style:normal;color:var(--muted);font-size:.9rem;margin-top:1rem;display:flex;flex-direction:column;gap:.2rem}
.nap a{color:var(--text)}
.f-col p{font-size:.76rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--text);margin-bottom:.7rem}
.f-col ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.15rem}
.f-col a{display:inline-flex;min-height:32px;align-items:center;color:var(--muted);text-decoration:none;font-size:.92rem}
.f-col a:hover{color:var(--ink)}
.f-legal{grid-column:1/-1;border-top:1px solid var(--line);padding-top:1.3rem;color:var(--muted);font-size:.8rem;display:flex;flex-direction:column;gap:.6rem}
@media (max-width:900px){.footer{grid-template-columns:repeat(3,minmax(0,1fr))}.footer .f-brand{grid-column:1/-1}}
@media (max-width:560px){.footer{grid-template-columns:repeat(2,minmax(0,1fr))}.f-col a{min-height:44px}}
.to-top{position:fixed;right:calc(1.4rem + env(safe-area-inset-right,0px));bottom:calc(1.8rem + env(safe-area-inset-bottom,0px));z-index:50;width:56px;height:56px;border-radius:50%;border:0;background:var(--card);box-shadow:0 8px 24px -10px rgba(0,0,0,.35);cursor:pointer;display:flex;align-items:center;justify-content:center;opacity:0;transform:translateY(12px) scale(.9);pointer-events:none;transition:opacity .25s,transform .25s,box-shadow .2s}
.to-top.show{opacity:1;transform:none;pointer-events:auto}
.to-top:hover{box-shadow:0 10px 28px -8px rgba(0,0,0,.45),0 0 0 6px rgba(140,106,70,.14)}
.to-top svg.ring{position:absolute;inset:0;transform:rotate(-90deg)}
.to-top .trk{fill:none;stroke:var(--line);stroke-width:3}
.to-top .prg{fill:none;stroke:var(--accent);stroke-width:3;stroke-linecap:round;stroke-dasharray:157.08;stroke-dashoffset:157.08;transition:stroke-dashoffset .12s linear}
.to-top .arr{width:18px;height:18px;color:var(--ink)}
.to-top .pct{position:absolute;bottom:-1.4rem;left:50%;transform:translateX(-50%);font-size:.62rem;font-weight:600;letter-spacing:.08em;color:var(--muted)}
.m-bar{display:none}
@media (max-width:600px){
.to-top{display:none}
.m-bar{position:fixed;left:0;right:0;bottom:0;z-index:60;display:flex;align-items:center;justify-content:space-between;gap:.8rem;padding:.6rem max(16px,env(safe-area-inset-right,0px)) calc(.6rem + env(safe-area-inset-bottom,0px)) max(16px,env(safe-area-inset-left,0px));background:var(--panel);border-top:1px solid var(--line);transform:translateY(110%);transition:transform .25s}
.m-bar.show{transform:none}
.m-bar span{font-size:.85rem;color:var(--text);font-weight:500}
.m-bar .btn{min-height:44px;padding:.5rem 1rem}
body{padding-bottom:72px}
}
.form-card{position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad);box-shadow:none}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--accent);border-radius:var(--r) var(--r) 0 0}
.form-card .sec-head{margin-bottom:1.2rem}
.form-trust{color:var(--muted);font-size:.92rem}
.form-embed{position:relative;z-index:1;isolation:isolate;min-height:120px}
@media (max-width:600px){.form-card{border-radius:12px;padding:1.2rem 1rem}.form-card::before{border-radius:12px 12px 0 0}}
.intro-top{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.6rem 3rem}
.intro-top h2{font-size:clamp(1.5rem,2.6vw,1.9rem);margin-bottom:.8rem}
.intro-top p{color:var(--muted)}
.feat4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem;margin-top:2rem}
.feat4 .card-in{padding:1.2rem;display:flex;flex-direction:column;gap:.55rem}
.feat4 p{color:var(--muted);font-size:.92rem}
.ico{width:38px;height:38px;border-radius:10px;background:var(--ink-soft);color:var(--ink);display:flex;align-items:center;justify-content:center;flex:none}
.ico svg{width:20px;height:20px}
@media (max-width:1020px){.feat4{grid-template-columns:repeat(2,minmax(0,1fr))}.intro-top{grid-template-columns:minmax(0,1fr)}}
@media (max-width:620px){.feat4{grid-template-columns:minmax(0,1fr)}}
.band{position:relative;overflow:hidden;background:#1C2A20;border-color:#1C2A20;color:#fff;display:flex;align-items:center;padding-block:1.6rem;--stop:max(40%,calc(var(--pad) + 500px))}
.band>img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:2/1;max-width:none;z-index:0}
.band::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,#1C2A20 0,#1C2A20 var(--stop),rgba(28,42,32,.8) calc(var(--stop) + 50px),rgba(28,42,32,0) calc(var(--stop) + 190px))}
.band-in{position:relative;z-index:1;max-width:480px;display:flex;flex-direction:column;gap:.75rem}
.band .eyebrow{color:#E9DCC9}
.band .serif{font-family:var(--serif);font-weight:400;font-size:clamp(1.8rem,2.8vw,2.35rem);line-height:1.15;color:#fff;letter-spacing:-.01em}
.band-p{color:#D7DED8;font-size:.98rem}
.values{display:flex;flex-wrap:wrap;gap:.6rem 1.4rem;list-style:none;margin:.1rem 0 0;padding:0}
.values li{display:flex;gap:.55rem;align-items:center}
.values .ico{background:rgba(255,255,255,.1);color:#E9DCC9;width:34px;height:34px}
.values b{color:#fff;font-weight:600}
.wordmark{font-size:clamp(1.4rem,2.6vw,1.85rem);font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:#fff;margin-top:.3rem;line-height:1.2}
.band .sub{color:#D9B98F;font-weight:600}
@media (max-width:1020px){.band{flex-direction:column;align-items:stretch;min-height:0}.band>img{position:static;width:100%;height:auto;max-width:720px;border-radius:var(--r-in);order:2;margin-top:1.4rem}.band::after{display:none}.band-in{max-width:none}}
.feat-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin-top:1.6rem}
.feat-grid .card-in{padding:1.3rem;display:flex;flex-direction:column;gap:.6rem}
.feat-grid p{color:var(--muted);font-size:.93rem}
.feat-grid .dark{background:var(--ink);border-color:var(--ink)}
.feat-grid .dark h3{color:#fff}
.feat-grid .dark p{color:#DCE6DD}
.feat-grid .dark .ico{background:rgba(255,255,255,.12);color:#fff}
@media (max-width:900px){.feat-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.feat-grid{grid-template-columns:minmax(0,1fr)}}
.steps-wrap{display:grid;grid-template-columns:minmax(0,300px) minmax(0,1fr);gap:2.4rem;align-items:center;margin-top:1.6rem}
.ring-box{display:flex;flex-direction:column;align-items:center;gap:.8rem;text-align:center}
.ring-box svg{width:200px;height:200px}
.ring-box .r-trk{fill:none;stroke:var(--ink-soft);stroke-width:14}
.ring-box .r-prg{fill:none;stroke:var(--accent);stroke-width:14;stroke-linecap:round}
.ring-box b{font-size:2.2rem;font-weight:600;color:var(--ink)}
.ring-box p{color:var(--muted);font-size:.92rem;max-width:26ch}
.step-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.7rem}
.step-list li{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:1rem;align-items:center;padding:1rem 1.2rem}
.step-list .n{width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:600;font-size:.9rem}
.step-list p{color:var(--muted);font-size:.92rem}
.step-list .time{font-size:.8rem;color:var(--accent-text);font-weight:600;white-space:nowrap}
@media (max-width:900px){.steps-wrap{grid-template-columns:minmax(0,1fr)}.step-list li{grid-template-columns:auto minmax(0,1fr)}.step-list .time{grid-column:2}}
.amt{display:grid;grid-template-columns:minmax(0,340px) minmax(0,1fr);gap:1rem;margin-top:1.6rem;align-items:stretch}
.amt-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.5rem}
.amt-list li{flex:1 1 0;display:flex}
.amt-list a{flex:1;display:flex;flex-direction:column;justify-content:center;gap:.15rem;padding:.8rem 1.1rem;border-radius:var(--r-in);border:1px solid var(--line);background:var(--card);text-decoration:none;color:var(--text)}
.amt-list a b{font-size:1.05rem;white-space:nowrap}
.amt-list a span{font-size:.84rem;color:var(--muted);white-space:nowrap}
.amt-list a[aria-selected="true"]{border-color:var(--ink);box-shadow:inset 3px 0 0 var(--ink)}
.amt-panels{display:flex;flex-direction:column}
.amt-panel{flex:1;display:flex;flex-direction:column;gap:1rem;padding:1.6rem}
.amt-panel[hidden]{display:none}
.amt-panel .big{font-size:2.6rem;font-weight:600;color:var(--ink);letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.amt-panel .facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.8rem}
.amt-panel .facts div{padding:.8rem 1rem;border-radius:var(--r-in);background:var(--panel);border:1px solid var(--line)}
.amt-panel .facts b{display:block;font-size:1.1rem;font-variant-numeric:tabular-nums}
.amt-panel .facts span{font-size:.8rem;color:var(--muted)}
.amt-panel p{color:var(--muted)}
.amt-panel .cta-row{margin-top:auto}
@media (max-width:900px){.amt{grid-template-columns:minmax(0,1fr)}.amt-panel .facts{grid-template-columns:minmax(0,1fr)}}
.cat-list{list-style:none;margin:1.6rem 0 0;padding:0;display:flex;flex-direction:column;gap:.6rem}
.cat-list a{display:grid;grid-template-columns:minmax(0,220px) minmax(0,1fr) auto;gap:1.2rem;align-items:center;padding:1.1rem 1.3rem;text-decoration:none;color:var(--text)}
.cat-list a:hover{border-color:var(--ink)}
.cat-list b{font-size:1.08rem}
.cat-list span{color:var(--muted);font-size:.93rem}
.cat-list em{font-style:normal;font-size:.76rem;font-weight:600;color:var(--accent-text);background:var(--accent-soft);padding:.25rem .6rem;border-radius:999px;white-space:nowrap}
@media (max-width:760px){.cat-list a{grid-template-columns:minmax(0,1fr)}}
.pic-card{position:relative;overflow:hidden}
.pic-card>img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}
.pic-card::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 570px),rgba(247,245,240,.35) calc(var(--pad) + 720px),rgba(247,245,240,.2) 100%)}
.pic-card>:not(img){position:relative;z-index:1}
.elig{min-height:440px;display:flex;flex-direction:column;gap:1rem}
.elig .copy{max-width:560px;display:flex;flex-direction:column;gap:.85rem;flex:1}
.checks{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.5rem .9rem}
.checks label{display:flex;align-items:center;gap:.55rem;min-height:40px;padding:.4rem .7rem;border:1px solid var(--line);border-radius:var(--r-in);background:var(--card);font-size:.9rem;cursor:pointer;white-space:nowrap}
.checks input{width:18px;height:18px;accent-color:var(--ink);flex:none}
.count{font-size:.86rem;color:var(--muted)}
.count b{color:var(--ink)}
.count .meter{display:block;height:6px;background:var(--ink-soft);border-radius:999px;margin-top:.4rem;overflow:hidden}
.count .meter i{display:block;height:100%;width:0;background:var(--accent);transition:width .2s}
.more{margin-top:auto;font-weight:600}
.estim{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:2rem;align-items:stretch}
.estim::after{background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 470px),rgba(247,245,240,.35) calc(var(--pad) + 620px),rgba(247,245,240,.2) 100%)}
.estim .copy{max-width:460px;display:flex;flex-direction:column;gap:1rem}
.facts3{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.7rem}
.facts3 li{display:flex;gap:.8rem;align-items:flex-start}
.facts3 b{display:block;color:var(--text)}
.facts3 span{color:var(--muted);font-size:.92rem}
.calc{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:1.4rem;display:flex;flex-direction:column;gap:1rem;align-self:center}
.calc label{font-size:.85rem;font-weight:600;color:var(--text);display:flex;justify-content:space-between;gap:.6rem}
.calc output{font-variant-numeric:tabular-nums;color:var(--ink)}
.calc input[type=range]{width:100%;accent-color:var(--ink);height:28px}
.calc select,.calc input[type=number]{width:100%;min-height:44px;border:1px solid var(--line);border-radius:8px;padding:0 .7rem;font:500 .95rem var(--sans);background:#fff;color:var(--text)}
.calc .row2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem}
.calc .res{background:var(--ink);color:#fff;border-radius:var(--r-in);padding:1rem 1.1rem;display:flex;flex-direction:column;gap:.2rem}
.calc .res b{font-size:2rem;font-weight:600;font-variant-numeric:tabular-nums}
.calc .res span{font-size:.85rem;color:#DCE6DD}
.calc .res small{font-size:.8rem;color:#DCE6DD;font-variant-numeric:tabular-nums}
.calc .fine{font-size:.78rem;color:var(--muted)}
@media (max-width:1020px){.pic-card>img{order:2;margin-top:.4rem;position:static;width:100%;height:auto;max-width:720px;border-radius:var(--r-in);aspect-ratio:16/9}.pic-card::after{display:none}.elig{min-height:0}.estim{grid-template-columns:minmax(0,1fr)}.estim>img,.t5>img{display:none}}
@media (max-width:700px){.checks{grid-template-columns:minmax(0,1fr)}}
.rev-sum{display:flex;align-items:center;gap:1.4rem;flex-wrap:wrap;padding:1.1rem 1.3rem;margin-top:1.4rem}
.rev-sum .score{font-size:2.6rem;font-weight:600;color:var(--ink);line-height:1}
.rev-sum .stars svg{width:20px;height:20px}
.rev-sum p{color:var(--muted);font-size:.92rem}
.rev-sum a{margin-left:auto;font-weight:600}
.rev-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin-top:1rem}
.rev{padding:1.2rem;display:flex;flex-direction:column;gap:.6rem}
.rev .head{display:flex;gap:.7rem;align-items:center}
.rev .initials{width:40px;height:40px;font-size:.85rem}
.rev .who b{display:block;font-size:.95rem}
.rev .who span{font-size:.8rem;color:var(--muted)}
.rev h3{font-size:1rem}
.rev p{color:var(--muted);font-size:.92rem}
.rev .tag{margin-top:auto;font-size:.78rem;color:var(--accent-text);font-weight:600}
@media (max-width:1020px){.rev-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.rev-grid{grid-template-columns:minmax(0,1fr)}}
.dots{letter-spacing:.12em;color:var(--accent);white-space:nowrap;font-size:1rem}
.dots .off{color:var(--line)}
.cmp-note{font-size:.84rem;color:var(--muted);margin-top:.8rem}
.t1{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:1rem;margin-top:1.6rem;align-items:stretch}
.t1-left{display:flex;flex-direction:column;gap:1rem}
.factors{flex:1;padding:1.2rem}
.factors h3{font-size:1rem;margin-bottom:.8rem}
.factors ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.9rem 1.2rem}
.factors b{display:block;font-size:.92rem}
.factors span{font-size:.86rem;color:var(--muted)}
.rep{background:var(--ink);border-radius:var(--r-in);padding:1.5rem;color:#fff;display:flex;flex-direction:column;gap:.9rem}
.rep h3{color:#fff}
.rep p{color:#DCE6DD;font-size:.93rem}
.rep dl{display:grid;grid-template-columns:auto 1fr;gap:.45rem 1rem;margin:0;font-variant-numeric:tabular-nums}
.rep dt{color:#C9D6CB;font-size:.9rem}
.rep dd{margin:0;font-weight:600;text-align:right}
.rep a{color:#fff;margin-top:auto;font-weight:600}
@media (max-width:900px){.t1{grid-template-columns:minmax(0,1fr)}}
@media (max-width:560px){.factors ul{grid-template-columns:minmax(0,1fr)}}
.grid3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin-top:1.6rem}
.grid3 .card-in{padding:1.2rem;display:flex;flex-direction:column;gap:.55rem}
.grid3 p{color:var(--muted);font-size:.93rem}
@media (max-width:900px){.grid3{grid-template-columns:minmax(0,1fr)}}
.grid2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;margin-top:1.6rem}
.grid2 .card-in{padding:1.3rem}
.grid2 h3{margin-bottom:.7rem}
.grid2 ul{margin:0;padding-left:1.1rem;color:var(--muted);font-size:.93rem;display:flex;flex-direction:column;gap:.45rem}
@media (max-width:760px){.grid2{grid-template-columns:minmax(0,1fr)}}
.t5{min-height:400px;display:flex;align-items:center}
.t5::after{background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 530px),rgba(247,245,240,.35) calc(var(--pad) + 680px),rgba(247,245,240,.15) 100%)}
.t5 .copy{max-width:520px;display:flex;flex-direction:column;gap:1rem}
.nap-card{background:var(--ink);color:#fff;border-radius:var(--r-in);padding:1.3rem 1.4rem;display:flex;flex-direction:column;gap:.35rem;font-style:normal}
.nap-card b{font-size:1.05rem;letter-spacing:.06em;text-transform:uppercase}
.nap-card span,.nap-card a{color:#DCE6DD;font-size:.93rem}
.nap-card .nl{margin-top:.4rem;color:#D9B98F;font-weight:600}
.reviewed{font-size:.86rem;color:var(--muted)}
.t6{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,44%);gap:2.4rem;align-items:stretch}
.t6-left{display:flex;flex-direction:column;gap:1rem}
.acc{display:flex;flex-direction:column;gap:.5rem}
.acc details{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in)}
.acc summary{list-style:none;cursor:pointer;padding:1rem 1.1rem;font-weight:600;display:flex;justify-content:space-between;gap:1rem;min-height:44px}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"+";color:var(--accent-text);font-weight:600}
.acc details[open] summary::after{content:"–"}
.acc details p{padding:0 1.1rem 1.1rem;color:var(--muted);font-size:.94rem}
.t6-img{position:relative}
.t6-img img{position:sticky;top:96px;width:100%;height:min(100%,1424px);object-fit:cover;border-radius:var(--r-in)}
@media (max-width:1020px){.t6{grid-template-columns:minmax(0,1fr)}.t6-img img{position:static;max-width:420px;height:auto;aspect-ratio:3/5;margin:0 auto}}
.blog-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.post-card{display:flex;flex-direction:column;overflow:hidden;text-decoration:none;color:inherit;padding:0}
.post-card img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.post-card .pc{padding:1.1rem 1.2rem 1.2rem;display:flex;flex-direction:column;gap:.5rem;flex:1}
.post-card .pc span{font-size:.76rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-text)}
.post-card h3{font-size:1.06rem}
.post-card p{color:var(--muted);font-size:.92rem}
.post-card .go{margin-top:auto;font-weight:600;color:var(--ink);font-size:.9rem}
.post-card:hover{border-color:var(--ink)}
@media (max-width:1020px){.blog-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.blog-grid{grid-template-columns:minmax(0,1fr)}}
.lender{display:flex;flex-direction:column;gap:.9rem;padding:1.3rem}
.lender h3{font-size:1.15rem;margin-bottom:.3rem}
.lender .type{font-size:.82rem;color:var(--accent-text);font-weight:600}
.lender dl{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:.6rem;margin:0;font-size:.88rem;font-variant-numeric:tabular-nums}
.lender dl div{background:var(--panel);border:1px solid var(--line);border-radius:6px;padding:.55rem .7rem}
.lender dt{color:var(--muted);font-size:.78rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase}
.lender dd{margin:0;color:var(--text);font-weight:500}
.lender p{color:var(--muted);font-size:.94rem}
.lender .best{margin-top:.6rem;font-size:.86rem;color:var(--text)}
.lenders{display:flex;flex-direction:column;gap:.8rem}
@media (max-width:900px){.lender dl{grid-template-columns:minmax(0,1fr)}}
.sitemap-cols{display:flex;flex-direction:column;gap:1.6rem}
.sitemap-cols h2{font-size:1.15rem;margin-bottom:.7rem}
.tool{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:2rem;align-items:center}
.tool .calc{align-self:stretch}
@media (max-width:900px){.tool{grid-template-columns:minmax(0,1fr)}}
.verdict{border-left:4px solid var(--accent);background:var(--card)}
.verdict .eyebrow{margin-bottom:.6rem}
.verdict p{font-size:1.12rem;color:var(--text);max-width:70ch}
.byline{display:flex;align-items:center;gap:.6rem;font-size:.86rem;color:var(--hero-text)}
.byline .initials{width:30px;height:30px;font-size:.72rem}