:root{--g1:#0A8F4D;--g2:#10B58A;--b1:#2EA3F2;--b2:#1C8FDE;--ink:#10243A;--txt:#27384A;--mut:#5A6B7C;--bg:#F2F9F6;--line:#D6E7DF;--card:#fff;--gold1:#FFC93C;--gold2:#FF9F1C;--red:#C62828}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:Inter,"Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif;color:var(--txt);background:var(--bg);line-height:1.7;font-size:16.5px}
img{max-width:100%;height:auto}a{color:#0B7A55;text-decoration:none}a:hover{text-decoration:underline}
h1,h2,h3{color:var(--ink);line-height:1.25;margin:0 0 .6em;font-weight:800}
.wrap{max-width:960px;margin:0 auto;padding:0 18px}
/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:40}
.nav{display:flex;align-items:center;justify-content:space-between;max-width:1040px;margin:0 auto;padding:10px 18px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.2rem;color:var(--ink)}
.brand img{width:40px;height:40px}.brand:hover{text-decoration:none}
.menu{display:flex;gap:6px;align-items:center}
.menu a{color:var(--ink);font-weight:600;padding:8px 12px;border-radius:8px}.menu a:hover{background:#E8F6EF;text-decoration:none}
.menu-btn{display:none;background:none;border:0;padding:8px;cursor:pointer;border-radius:8px}
.menu-btn span{display:block;width:26px;height:3px;background:var(--ink);margin:5px 0;border-radius:2px}
@media(min-width:900px){.site-header{position:sticky;top:0}}
@media(max-width:899px){
 .menu-btn{display:block}
 .menu{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:8px 14px 14px;box-shadow:0 10px 24px rgba(16,36,58,.12)}
 .menu.open{display:flex}.menu a{padding:12px 10px;border-bottom:1px solid #EEF4F1}
}
/* article layout */
.crumbs{font-size:.88rem;color:var(--mut);padding:16px 0 4px}.crumbs a{color:var(--mut)}.crumbs span{margin:0 6px}
.article{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px 28px;margin:10px 0 40px}
.article h1{font-size:2rem}.article h2{font-size:1.45rem;margin-top:1.9em;padding-bottom:6px;border-bottom:3px solid #CDEFE0}
.article h3{font-size:1.15rem;margin-top:1.4em}.article p,.article li{margin:0 0 1em}.article ul,.article ol{padding-left:1.3em}
.byline{color:var(--mut);font-size:.92rem;margin:-4px 0 18px}
.quick-answer{background:linear-gradient(135deg,#E9F8F1,#E6F3FD);border-left:5px solid var(--g1);border-radius:0 14px 14px 0;padding:16px 20px;margin:0 0 22px}
.quick-answer p{margin:0}.quick-answer .tag{display:block;font-size:.76rem;letter-spacing:.07em;font-weight:800;color:var(--g1);text-transform:uppercase;margin-bottom:6px}
table{width:100%;border-collapse:collapse;margin:0 0 1.2em;font-size:.95rem}
.tbl{overflow-x:auto;margin:0 0 1.2em}.tbl table{margin:0;min-width:520px}
th{background:var(--ink);color:#fff;text-align:left;padding:10px 12px}td{padding:10px 12px;border-bottom:1px solid #E4EEE9;vertical-align:top}
.faq details{background:#F7FBF9;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px}
.faq summary{cursor:pointer;font-weight:700;color:var(--ink);list-style:none;display:flex;justify-content:space-between;gap:10px}
.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--g1)}
.faq details[open] summary::after{content:"\2212"}.faq details p{margin:10px 0 0;color:var(--txt)}
.related{background:#F2F9F6;border-radius:12px;padding:14px 18px;margin-top:1.6em}
.author-box{display:flex;gap:14px;align-items:flex-start;background:#F7FBF9;border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin-top:28px;font-size:.93rem}
.author-box img{width:46px;height:46px;border-radius:10px}.author-box p{margin:0}
/* legal page */
.page .article{padding:34px 30px}
/* footer */
.footer{background:#0E2A3F;color:#CFE0EA;margin-top:30px}.footer a{color:#CFE0EA;display:block;margin-bottom:8px}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:26px;padding:36px 18px 24px;max-width:1040px;margin:0 auto}
.footer h4{color:#fff;margin:0 0 12px;font-size:1rem}.footer p{margin:0 0 8px;font-size:.92rem}
.fbottom{background:#0A2031;padding:20px 18px;text-align:center;font-size:.85rem;color:#9DB6C6}.fbottom p{max-width:820px;margin:0 auto 8px}
@media(max-width:760px){.fgrid{grid-template-columns:1fr 1fr}.article{padding:22px 16px;border-radius:14px}.article h1{font-size:1.6rem}.wrap{padding:0 12px}}
/* floating button */
.mobile-cta{position:fixed;left:0;right:0;bottom:0;z-index:40;background:#fff;border-top:1px solid #EBE0C6;padding:10px 16px;padding-bottom:max(10px,env(safe-area-inset-bottom,0px));display:flex;box-shadow:0 -4px 16px rgba(0,0,0,.08);transform:translateY(100%);opacity:0;visibility:hidden;pointer-events:none;transition:transform .25s ease,opacity .25s ease,visibility 0s linear .25s}
.mobile-cta.is-visible{transform:translateY(0);opacity:1;visibility:visible;pointer-events:auto;transition:transform .25s ease,opacity .25s ease,visibility 0s}
.mobile-cta a{display:flex;align-items:center;justify-content:center;gap:8px;flex:1;text-align:center;white-space:nowrap;padding:14px 12px;font-size:clamp(12px,4.2vw,16px);font-weight:800;background:#2EA3F2;color:#fff;border-radius:9px;text-decoration:none;text-transform:uppercase;letter-spacing:.2px;box-shadow:0 4px 12px rgba(46,163,242,.4)}
.mobile-cta a::after{content:"";flex:none;width:18px;height:18px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M4 12h16M13 5l7 7-7 7'/%3E%3C/svg%3E") center/contain no-repeat;animation:ctaArrow 1.6s cubic-bezier(.45,0,.55,1) infinite;will-change:transform}
.mobile-cta a:hover{background:#1C8AD6;text-decoration:none}
@keyframes ctaArrow{0%,100%{transform:translateX(-2px)}50%{transform:translateX(4px)}}
@media(min-width:860px){.mobile-cta{display:none}}
@media(max-width:859px){body{padding-bottom:74px}}
/* ===== home ===== */
.hero{background:linear-gradient(135deg,#0A8F4D 0%,#10B58A 48%,#2EA3F2 100%);padding:34px 0 40px;color:#fff}
.hero .eyebrow{display:inline-block;background:rgba(255,255,255,.18);border-radius:30px;padding:5px 14px;font-size:.8rem;font-weight:700;letter-spacing:.04em;margin-bottom:12px}
.hero h1{color:#fff;font-size:2.15rem;margin-bottom:16px}
.hero .quick-answer{background:#fff;color:var(--txt);box-shadow:0 10px 30px rgba(0,0,0,.15)}
.hero .quick-answer{margin-bottom:22px}
.amount-box{background:linear-gradient(135deg,#FFE27A,#FFB347);border-radius:20px;padding:24px;color:#3C2A00;box-shadow:0 12px 30px rgba(0,0,0,.18)}
.amount-box label{font-weight:800;display:block;margin-bottom:8px}.amount-val{font-size:2.3rem;font-weight:900;text-align:center;color:#2F2200}
.amount-slider{width:100%;height:10px;border-radius:6px;-webkit-appearance:none;appearance:none;background:linear-gradient(90deg,#0A8F4D 0,#0A8F4D 28%,rgba(255,255,255,.7) 28%,rgba(255,255,255,.7) 100%);outline:0;margin:8px 0}
.amount-slider::-webkit-slider-thumb{-webkit-appearance:none;width:32px;height:32px;border-radius:50%;background:#fff;border:5px solid #0A8F4D;box-shadow:0 2px 8px rgba(0,0,0,.3);cursor:pointer}
.amount-slider::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:#fff;border:5px solid #0A8F4D;cursor:pointer}
.range-lab{display:flex;justify-content:space-between;font-size:.82rem;font-weight:700;margin-bottom:16px}
.btn{display:block;text-align:center;border:0;border-radius:12px;padding:15px 22px;font-weight:800;font-size:1rem;cursor:pointer;font-family:inherit}
.btn-green{background:linear-gradient(135deg,#0A8F4D,#10B58A);color:#fff;box-shadow:0 6px 16px rgba(10,143,77,.4)}.btn-green:hover{text-decoration:none;filter:brightness(1.07)}
section.blk{padding:34px 0 6px;scroll-margin-top:12px}section.blk h2{font-size:1.6rem}
.blk .sub{color:var(--mut);margin:-4px 0 16px}
.badge-upd{display:block;width:max-content;max-width:100%;margin:8px auto 20px;background:#fff;color:#C62828;font-weight:900;font-size:1.75rem;letter-spacing:.02em;padding:9px 30px;border-radius:14px;border:2px solid #F6CACA;box-shadow:0 8px 22px rgba(16,36,58,.2);text-align:center}
.lenders{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.lender-card{position:relative;background:#fff;border:2px solid #D9E6EF;border-radius:16px;padding:22px 14px 16px;text-align:center;box-shadow:0 4px 16px rgba(16,36,58,.08);display:flex;flex-direction:column}
.lender-card.top{border-color:#FF9F1C;box-shadow:0 8px 24px rgba(255,159,28,.3)}
.lender-card.top::before{content:"\2B50 TOP PICK";position:absolute;top:-12px;left:50%;transform:translateX(-50%);background:linear-gradient(135deg,#FFC93C,#FF9F1C);color:#3C2A00;font-size:11px;font-weight:900;padding:4px 12px;border-radius:20px;white-space:nowrap}
.logo-wrap{height:84px;display:flex;align-items:center;justify-content:center;margin-bottom:8px}.logo-wrap img{max-height:76px;object-fit:contain}
.l-amt{font-weight:900;color:#0A8F4D;font-size:1.1rem;margin:2px 0 10px;white-space:nowrap}
.l-feat{list-style:none;padding:0;margin:0 0 14px;text-align:left;flex-grow:1}.l-feat li{font-size:.86rem;margin:0 0 7px;line-height:1.45}
.btn-apply{display:block;background:#2EA3F2;color:#fff;font-weight:800;text-transform:uppercase;font-size:.9rem;padding:13px 8px;border-radius:9px;box-shadow:0 4px 10px rgba(46,163,242,.4);margin-top:auto}
.btn-apply:hover{background:#1C8FDE;color:#fff;text-decoration:none}
@media(max-width:992px){.lenders{grid-template-columns:repeat(2,1fr)}}
@media(max-width:760px){.lenders-wrap{padding:0 6px}.lenders{gap:8px}.lender-card{padding:18px 8px 12px;border-radius:12px}.l-amt{font-size:.84rem}.l-feat li{font-size:.78rem}.btn-apply{font-size:.82rem;padding:12px 4px}.hero h1{font-size:1.65rem}.amount-val{font-size:2rem}.badge-upd{font-size:1.45rem;padding:8px 22px}}
.tg-box{background:linear-gradient(135deg,#E3F2FD,#C9E6FB);border:2px solid #229ED9;border-radius:16px;padding:24px 22px;text-align:center;margin:30px 0 18px}
.tg-btn{display:inline-flex;align-items:center;margin-top:14px;background:linear-gradient(135deg,#FFD93B,#FF9F1C);color:#3C2A00!important;font-weight:900;font-size:1.05rem;padding:16px 34px;border-radius:12px;box-shadow:0 5px 16px rgba(255,159,28,.5);animation:pulse 2s infinite}.tg-btn:hover{text-decoration:none;filter:brightness(1.05)}
@keyframes pulse{0%,100%{transform:scale(1)}50%{transform:scale(1.04)}}
.sub-box{background:#fff;border:2px solid var(--g2);border-radius:16px;padding:24px 20px;text-align:center}
.sub-title{font-size:1.2rem;font-weight:800;color:var(--ink);margin-bottom:6px}.sub-desc{font-size:.92rem;color:var(--mut);max-width:560px;margin:0 auto 14px}
.sub-form{display:flex;gap:10px;max-width:520px;margin:0 auto;flex-wrap:wrap;justify-content:center}
.sub-input{flex:1;min-width:220px;padding:14px 16px;border:2px solid #B9CBD6;border-radius:10px;font-size:1rem;font-family:inherit}
.sub-btn{background:#2EA3F2;color:#fff;border:0;font-weight:800;padding:14px 26px;border-radius:10px;cursor:pointer;text-transform:uppercase;font-family:inherit}.sub-btn:disabled{opacity:.7}
.sub-msg{margin-top:12px;font-weight:700;font-size:.92rem;min-height:20px}.sub-msg.success{color:#1E9E57}.sub-msg.error{color:#E74C3C}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px 22px}
.calc{background:linear-gradient(135deg,#0F2C46,#14507A);color:#fff;border-radius:18px;padding:24px}.calc h2{color:#fff}.calc p{color:#DDEBF5}
.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:14px 0}.calc label{font-size:.82rem;font-weight:700;display:block;margin-bottom:4px;color:#CFE6F5}
.calc input{width:100%;padding:12px;border-radius:9px;border:0;font-size:1rem;font-family:inherit}
.calc-res{background:rgba(255,255,255,.12);border-radius:12px;padding:14px 16px;margin-top:12px}.calc-res b{color:#FFE27A}
.calc-note{display:none;margin-top:10px;background:#FFF3C4;color:#5C4300;border-radius:8px;padding:8px 12px;font-size:.88rem;font-weight:700}.calc-note.show{display:block}
.calc .btn-green{max-width:220px;margin-top:8px}.calc .tbl table{background:#fff;color:var(--txt)}
@media(max-width:640px){.calc-grid{grid-template-columns:1fr}}
.guide-group{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 20px;margin-bottom:14px}.guide-group h3{font-size:1.08rem;margin-bottom:8px}
.guide-group ul{margin:0;padding-left:1.2em}.guide-group li{margin-bottom:6px}.guide-group li span{color:var(--mut);font-size:.92rem}
.tg-modal{position:fixed;inset:0;z-index:100;display:none;align-items:center;justify-content:center;padding:20px;background:rgba(15,15,20,.6)}.tg-modal.open{display:flex}
.tg-modal-box{background:#fff;border-radius:22px;width:100%;max-width:430px;padding:34px 26px 26px;text-align:center;box-shadow:0 20px 60px rgba(0,0,0,.35)}
.tg-modal-title{font-size:1.25rem;font-weight:800;color:#1b1b1b;margin:10px 0 12px}.tg-modal-note{color:#5b6472;margin:0 0 22px;font-size:.95rem}
.tg-modal-actions{display:flex;gap:12px}.tg-modal-actions button,.tg-modal-actions a{flex:1;padding:14px 8px;border-radius:12px;font-weight:800;font-family:inherit;font-size:1rem;cursor:pointer;text-align:center}
.tg-back{background:#fff;border:2px solid #cfd6de;color:#333}.tg-go{background:#2EA3F2;color:#fff;border:2px solid #2EA3F2}.tg-go:hover{text-decoration:none;color:#fff}
body.tg-lock{overflow:hidden}
.arch{display:grid;grid-template-columns:1fr 1fr;gap:14px}.arch a.item{display:block;background:#F7FBF9;border:1px solid var(--line);border-radius:12px;padding:14px 16px;color:var(--ink)}.arch a.item:hover{border-color:var(--g2);text-decoration:none}
.arch .item b{display:block}.arch .item span{font-size:.88rem;color:var(--mut)}@media(max-width:640px){.arch{grid-template-columns:1fr}}

.tbl.snap table{min-width:0}.tbl.snap td:first-child{font-weight:700;color:var(--ink);width:42%}