/* ---------- layout shells ---------- */
.layout{display:grid;grid-template-columns:1fr 330px;gap:44px;align-items:start;padding:40px 0 8px}
.article{min-width:0}
.article h2{font-size:clamp(23px,2.6vw,30px);letter-spacing:-.02em;margin:38px 0 12px;line-height:1.18;text-wrap:balance}
.article h3{font-size:20px;margin:26px 0 8px}
.article p{margin:0 0 16px}
.article ul,.article ol{margin:0 0 18px;padding-left:22px}
.article li{margin:6px 0}
.answer{background:var(--indigo-l);border-left:4px solid var(--indigo);border-radius:0 12px 12px 0;padding:16px 20px;margin:0 0 22px;font-size:17.5px}
.answer strong{color:var(--indigo-d)}
.inline-img{margin:26px 0;border-radius:14px;overflow:hidden;max-width:420px}
.inline-img img{border-radius:14px}
.inline-img.right{float:right;margin:6px 0 20px 28px}
.inline-img figcaption{font-size:13.5px;color:var(--muted);padding:8px 2px 0}
/* crumb */
.crumb{padding:16px 0 0}
.crumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0;margin:0;font-size:14px;color:var(--muted)}
.crumb li+li::before{content:"/";margin-right:8px;color:var(--line)}
.crumb a{color:var(--muted)}
.crumb [aria-current]{color:var(--ink);font-weight:600}
/* toc */
.toc{background:var(--gray);border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:6px 0 30px}
.toc h2{font-size:15px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin:0 0 10px}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:30px}
.toc li{margin:5px 0}
@media(max-width:620px){.toc ol{columns:1}}
/* sidebar */
.sidebar{display:flex;flex-direction:column;gap:16px;position:sticky;top:82px}
.side-box{border:1px solid var(--line);border-radius:14px;padding:18px 18px;background:#fff}
.side-box h3{margin:0 0 8px;font-size:16px}
.side-box p{margin:0 0 10px;font-size:14.5px;color:var(--muted)}
.side-amt{font-size:24px;font-weight:800;color:var(--indigo-d)!important}
.side-stars{font-size:22px;font-weight:800;color:var(--indigo-d)!important}
.side-stars span{font-size:14px;color:var(--muted);font-weight:600}
.side-list{list-style:none;margin:0;padding:0}
.side-list li{margin:0;border-bottom:1px solid var(--gray)}
.side-list li:last-child{border:none}
.side-list a{display:block;padding:8px 0;font-weight:600;font-size:14.5px;color:var(--ink)}
.side-cta{display:inline-block;font-weight:700;font-size:14px;color:var(--indigo)}
.side-contact a{color:var(--indigo-d);font-weight:600}
/* cards */
.cards{display:grid;gap:20px;margin:22px 0}
.cards.c3{grid-template-columns:repeat(3,1fr)}
.cards.c2{grid-template-columns:repeat(2,1fr)}
.card{border:1px solid var(--line);border-radius:16px;overflow:hidden;background:#fff;transition:.16s;display:flex;flex-direction:column}
.card:hover{box-shadow:0 14px 34px rgba(57,51,125,.12);transform:translateY(-2px)}
.card img{aspect-ratio:3/2;object-fit:cover;width:100%}
.card .cbody{padding:16px 18px 20px;display:flex;flex-direction:column;gap:8px;flex:1}
.card h3{margin:0;font-size:18px}
.card h3 a{color:var(--ink)}
.card p{margin:0;color:var(--muted);font-size:15px}
.card .tag{font-size:12px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--indigo)}
.card .cmeta{margin-top:auto;font-size:13.5px;color:var(--muted)}
.amount-card{text-align:center;padding:26px 20px}
.amount-card .amt{font-size:30px;font-weight:800;color:var(--indigo-d);letter-spacing:-.02em}
.amount-card p{font-size:14.5px}
/* loan feature grid */
.feat{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:24px 0}
.feat .f{border:1px solid var(--line);border-radius:14px;padding:20px}
.feat .f h3{margin:0 0 6px;font-size:17px}
.feat .f p{margin:0;color:var(--muted);font-size:15px}
.feat .ic{width:38px;height:38px;border-radius:10px;background:var(--indigo-l);display:flex;align-items:center;justify-content:center;color:var(--indigo);font-weight:800;margin-bottom:10px}
/* tables */
.table-wrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:14px}
table{border-collapse:collapse;width:100%;font-size:15px;min-width:520px}
caption{text-align:left;padding:12px 16px;font-weight:700;color:var(--muted);font-size:14px}
th,td{padding:12px 16px;text-align:left;border-bottom:1px solid var(--line)}
thead th{background:var(--gray);font-size:13.5px;text-transform:uppercase;letter-spacing:.03em;color:var(--muted)}
tbody tr:hover{background:var(--indigo-l)}
/* minifaq */
.minifaq{margin:36px 0}
.faq-item{border:1px solid var(--line);border-radius:12px;margin:0 0 10px;background:#fff;overflow:hidden}
.faq-item summary{cursor:pointer;padding:16px 18px;font-weight:700;list-style:none;position:relative}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:18px;color:var(--indigo);font-weight:800}
.faq-item[open] summary::after{content:"–"}
.faq-a{padding:0 18px 16px;color:var(--muted)}
.faq-a a{color:var(--indigo-d);font-weight:600}
/* cta band */
.cta-band{background:linear-gradient(120deg,var(--indigo),var(--indigo-d));color:#fff;margin-top:56px}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:26px;padding:42px 20px}
.cta-band h2{margin:0 0 6px;font-size:26px}
.cta-band p{margin:0;color:#e5e2fb}
.cta-band .btn-apply{background:#fff;color:var(--indigo-d)!important}
.cta-band .btn-apply:hover{background:var(--gray)}
/* footer */
.site-footer{background:var(--ink);color:#cdd1de;padding:48px 0 26px;font-size:15px}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:30px}
.site-footer .brand{color:#fff;margin-bottom:12px}
.foot-nap{color:#aeb4c6;line-height:1.9}
.foot-nap a{color:#cdd1de}
.site-footer h3{color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.05em;margin:0 0 12px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:7px 0}
.site-footer li a{color:#aeb4c6}
.site-footer li a:hover{color:#fff}
.disclosure{border-top:1px solid #34384a;margin-top:34px;padding-top:22px;color:#8b91a6;font-size:13.5px;line-height:1.7}
.disclosure .copy{margin-top:12px}
/* to top */
.to-top{position:fixed;right:22px;bottom:22px;width:46px;height:46px;border-radius:50%;border:none;background:var(--indigo);color:#fff;font-size:20px;cursor:pointer;box-shadow:0 8px 22px rgba(57,51,125,.35);opacity:0;pointer-events:none;transition:.2s;z-index:900}
.to-top.show{opacity:1;pointer-events:auto}
.to-top:hover{background:var(--indigo-d)}
/* section intro / generic */
.section{padding:44px 0}
.section.alt{background:var(--gray)}
.section-head{max-width:720px;margin:0 auto 30px;text-align:center}
.section-head h2{font-size:clamp(24px,3vw,32px);margin:8px 0 10px;letter-spacing:-.02em}
.section-head p{color:var(--muted);font-size:17px;margin:0}
.center{text-align:center}
/* form wrapper z-index trap for apiflag widget */
.form-embed{position:relative;z-index:1;isolation:isolate;background:#fff;border:1px solid var(--line);border-radius:18px;padding:10px;min-height:420px;box-shadow:0 14px 40px rgba(57,51,125,.10)}
.apply-grid{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:start;padding:40px 0}
.calc{border:1px solid var(--line);border-radius:18px;padding:26px;background:#fff}
.calc label{display:block;font-weight:700;margin:14px 0 6px}
.calc input[type=range]{width:100%}
.calc .val{font-weight:800;color:var(--indigo-d)}
.calc select{width:100%;padding:11px;border:1px solid var(--line);border-radius:10px;font-size:16px;font-family:inherit}
.calc-out{margin-top:20px;background:var(--indigo-l);border-radius:14px;padding:20px;text-align:center}
.calc-out .big{font-size:34px;font-weight:800;color:var(--indigo-d)}
.author-box{display:flex;gap:16px;align-items:flex-start;border:1px solid var(--line);border-radius:14px;padding:18px;background:var(--gray);margin:26px 0}
.author-box .ava{width:52px;height:52px;border-radius:50%;background:var(--indigo);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:20px;flex:0 0 auto}
.author-box h3{margin:0 0 4px;font-size:16px}
.author-box p{margin:0;font-size:14px;color:var(--muted)}
.share{display:flex;gap:10px;align-items:center;margin:22px 0}
.share span{font-weight:700;font-size:14px;color:var(--muted)}
.share a{width:38px;height:38px;border-radius:10px;background:var(--gray);display:flex;align-items:center;justify-content:center;font-weight:700;color:var(--indigo-d);font-size:14px}
.share a:hover{background:var(--indigo-l);text-decoration:none}
.post-meta{color:var(--muted);font-size:15px;margin:6px 0 18px}
.pill-tag{display:inline-block;background:var(--indigo-l);color:var(--indigo-d);font-weight:700;font-size:13px;padding:4px 12px;border-radius:999px;margin-bottom:12px}
.glossary dl{margin:0}
.glossary dt{font-weight:800;font-size:18px;margin:22px 0 4px;color:var(--indigo-d);scroll-margin-top:80px}
.glossary dd{margin:0 0 6px;color:var(--ink)}
.az{display:flex;flex-wrap:wrap;gap:6px;margin:16px 0 8px}
.az a{width:32px;height:32px;border-radius:8px;background:var(--gray);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px}
.stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:26px 0}
.stat{border:1px solid var(--line);border-radius:14px;padding:20px;text-align:center}
.stat .n{font-size:28px;font-weight:800;color:var(--indigo-d)}
.stat .l{font-size:14px;color:var(--muted)}
.review-card{border:1px solid var(--line);border-radius:14px;padding:18px;background:#fff}
.review-card .rstars{color:#e8a33d;font-weight:700}
.review-card .rname{font-weight:700;margin-top:8px}
.review-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin:22px 0}
@media(max-width:960px){
 .layout{grid-template-columns:1fr}
 .sidebar{position:static;order:2}
 .foot-grid{grid-template-columns:1fr 1fr}
 .cards.c3,.feat{grid-template-columns:1fr 1fr}
 .apply-grid{grid-template-columns:1fr}
 .stat-row{grid-template-columns:1fr 1fr}
 .review-grid{grid-template-columns:1fr}
}
@media(max-width:600px){
 .cards.c3,.cards.c2,.feat{grid-template-columns:1fr}
 .foot-grid{grid-template-columns:1fr}
 .cta-inner{flex-direction:column;text-align:center}
 .inline-img.right{float:none;margin:22px 0}
}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
:focus-visible{outline:3px solid var(--indigo);outline-offset:2px;border-radius:4px}