/* integracreditapply.com — shared stylesheet (tokens, chrome, all section components) */
:root{
  --page:#F3F3F4; --white:#fff; --gray:#EDEDEF; --gray-2:#F6F6F7; --line:#E5E5E8;
  --ink:#0F0F10; --ink-2:#3A3A3F; --muted:#6B6B73; --dark:#0C0C0E; --dark-2:#161618;
  --blue:#3B1FC4;--mark:#6624D4;--mark-svg:url("data:image/svg+xml,%3Csvg xmlns=%22http://www.w3.org/2000/svg%22 viewBox=%220 0 100.00 95.76%22%3E%3Cpath fill-rule=%22evenodd%22 fill=%22%23000%22 d=%22M2.06 95.58C1.41 95.38 0.64 94.74 0.31 94.11L0.06 93.64L0.06 60.95C0.06 25.84 0.03 27.47 0.64 24.68C1.33 21.56 3.10 17.43 4.87 14.79C10.36 6.64 18.51 1.71 28.88 0.26C30.24 0.07 32.39 0.06 64.05 0.06L97.76 0.06L98.39 0.41C99.08 0.79 99.68 1.55 99.89 2.27C100.05 2.86 100.05 65.86 99.89 67.60C99.54 71.28 98.52 74.77 96.78 78.23C92.43 86.88 83.99 93.37 74.77 95.17C74.11 95.30 73.18 95.47 72.71 95.55C72.03 95.65 64.27 95.70 37.21 95.72C7.73 95.73 2.50 95.72 2.06 95.58ZM65.26 77.17C70.01 76.38 74.42 73.72 77.29 69.90C78.88 67.81 80.01 65.25 80.57 62.56C80.78 61.57 80.79 60.64 80.79 40.99L80.79 20.45L80.45 19.90C80.22 19.53 79.93 19.25 79.60 19.07L79.09 18.81L57.75 18.81C39.09 18.81 36.27 18.83 35.32 18.98C31.65 19.58 28.58 20.88 26.03 22.92C23.11 25.26 21.17 27.98 20.07 31.30C19.15 34.04 19.21 32.31 19.21 55.22L19.21 75.63L19.46 76.09C19.74 76.61 20.08 76.95 20.58 77.21C20.89 77.39 23.05 77.40 42.39 77.41C63.57 77.41 63.86 77.41 65.26 77.17Z%22/%3E%3C/svg%3E"); --blue-2:#6C4CF5; --blue-3:#B4A4FF; --green:#1DB954;
  --grad:linear-gradient(135deg,#3B1FC4 0%,#6C4CF5 60%,#B4A4FF 100%);
  --display:"Plus Jakarta Sans","Segoe UI",system-ui,sans-serif;
  --body:"Inter","Segoe UI",system-ui,sans-serif;
  color-scheme:light;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;overflow-x:hidden}
body{font-family:var(--body);color:var(--ink);background:var(--page);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
img,svg{display:block}
button{font:inherit;color:inherit}
.page{width:min(1120px,calc(100% - 32px));margin:16px auto;background:var(--white);border-radius:22px;overflow:hidden;box-shadow:0 2px 20px rgba(0,0,0,.04)}
.wrap{padding:0 40px}
h1,h2,h3{font-family:var(--display);font-weight:600;line-height:1.2;letter-spacing:-.02em;text-wrap:balance}
h2{font-size:clamp(22px,2.4vw,28px)}
p{color:var(--muted);font-size:13px}
.small{font-size:11px}
section{padding:50px 0}
.divider{height:1px;background:var(--line);margin:0 40px}
.eyebrow{font-size:10px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:10px}
.lead{margin-top:10px;max-width:56ch}
/* inline links & "more" arrows */
.tl{color:var(--blue);font-weight:600;text-decoration:underline;text-underline-offset:2px;text-decoration-color:rgba(59,31,196,.3);transition:text-decoration-color .15s}
.tl:hover{text-decoration-color:var(--blue)}
.tl--w{color:var(--blue-3);text-decoration-color:rgba(180,164,255,.4)}.tl--w:hover{text-decoration-color:var(--blue-3)}
.more{display:inline-flex;align-items:center;gap:6px;font-size:11.5px;font-weight:600;color:var(--blue);margin-top:14px}
.more::after{content:"\2192";transition:transform .15s}
.more:hover::after{transform:translateX(3px)}
.more--w{color:var(--blue-3)}
.more--sm{font-size:11px;margin-top:10px}
a.stat{color:inherit}a.stat span{text-decoration:underline;text-decoration-color:transparent;text-underline-offset:2px;transition:text-decoration-color .15s}a.stat:hover span{text-decoration-color:var(--muted)}
a.wm:hover{color:var(--ink)}
.mailbox{margin-top:14px;display:flex;align-items:center;gap:14px;background:linear-gradient(90deg,#F4F1FD,#ECE7FA);border:1px solid #DDD5F7;border-radius:14px;padding:14px 18px}
.mailbox i{flex:none;width:36px;height:36px;border-radius:10px;background:var(--blue);display:grid;place-items:center}
.mailbox svg{width:16px;height:16px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.mailbox b{display:block;font-size:12.5px;font-weight:700;font-family:var(--display)}
.mailbox span{font-size:11px;color:var(--ink-2)}
.mailbox .more{margin:0 0 0 auto;white-space:nowrap}
.princ > p.cmp__more{margin:14px 0 0;max-width:none;text-align:left}
.cmp__more .more{margin-top:0}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;padding:9px 20px;border-radius:999px;font-size:12px;font-weight:600;background:var(--ink);color:#fff;border:1px solid var(--ink);cursor:pointer;transition:transform .2s,background .2s,color .2s}
.btn:hover{transform:translateY(-1px);background:#222}
.btn--ghost{background:transparent;color:var(--ink)}
.btn--ghost:hover{background:var(--ink);color:#fff}
.btn--blue{background:var(--blue);border-color:var(--blue)}
.btn--blue:hover{background:#2E178F}
.btn--outline-w{background:transparent;border-color:#fff;color:#fff}
.btn--outline-w:hover{background:#fff;color:var(--ink)}
.badge{display:inline-flex;align-items:center;gap:7px;padding:6px 12px;border-radius:7px;background:var(--ink);color:#fff;font-size:11px;font-weight:600;line-height:1.1}
.badge svg{width:16px;height:16px;fill:none;stroke:#fff;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.badge small{display:block;font-size:7px;font-weight:400;opacity:.8}

.skip{position:absolute;left:12px;top:-48px;z-index:200;background:var(--ink);color:#fff;padding:10px 14px;border-radius:10px;font-size:12px;font-weight:600;transition:top .15s}
.skip:focus{top:12px}
.logo{display:flex;align-items:center;gap:7px;font-family:var(--display);font-weight:700;font-size:14px}
.logo i{display:block;flex:0 0 auto;width:20px;height:19.2px;background:var(--mark);-webkit-mask:var(--mark-svg) center/contain no-repeat;mask:var(--mark-svg) center/contain no-repeat}
.logo.w{color:#fff}.logo.w i{background:#fff}

/* ===================== NAV ===================== */
.top{background:radial-gradient(ellipse 55% 70% at 85% 45%,#ECE8FC 0%,rgba(236,232,252,0) 70%),linear-gradient(180deg,#FFFFFF 0%,#F6F4FD 100%)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:22px 40px}
.nav__links{display:flex;gap:6px;font-size:11px;font-weight:500;color:var(--muted)}
.nav__item{position:relative}
.nav__top{display:inline-flex;align-items:center;gap:5px;padding:8px 10px;border-radius:999px;border:0;background:transparent;color:var(--muted);font:inherit;font-size:11px;font-weight:500;cursor:pointer;transition:color .15s,background .15s}
.nav__top svg{width:11px;height:11px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;transition:transform .2s}
.nav__item:hover .nav__top,.nav__item.open .nav__top,.nav__top:focus-visible{color:var(--ink);background:var(--gray-2)}
.nav__item:hover .nav__top svg,.nav__item.open .nav__top svg{transform:rotate(180deg)}
.dd{position:absolute;left:0;top:calc(100% + 10px);z-index:75;display:flex;gap:4px;padding:8px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 20px 50px rgba(15,15,16,.12),0 2px 8px rgba(15,15,16,.04);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .18s,transform .18s,visibility 0s .18s}
.dd::before{content:"";position:absolute;left:0;right:0;top:-12px;height:12px}
.nav__item:hover .dd,.nav__item.open .dd,.nav__item:focus-within .dd{opacity:1;visibility:visible;transform:none;transition:opacity .18s,transform .18s}
.dd__col{display:flex;flex-direction:column;min-width:236px}
.dd__col--sub{border-left:1px solid var(--line);padding-left:8px;margin-left:4px;min-width:140px}
.dd__h{font-size:9px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);padding:10px 10px 6px}
.dd a{display:flex;flex-direction:column;gap:1px;padding:9px 10px;border-radius:10px;color:var(--ink);transition:background .15s;white-space:nowrap}
.dd a b{font-size:12px;font-weight:600;line-height:1.3}
.dd a span{font-size:10px;color:var(--muted);line-height:1.35}
.dd a:hover,.dd a:focus-visible{background:var(--gray-2)}
.dd a.dd__s{padding:7px 10px;font-size:11.5px;font-weight:500}
.dd--reviews{left:auto;right:0}
.nav__right{display:flex;align-items:center;gap:14px}
.nav .btn{padding:7px 16px;font-size:11px}
.nav__burger{display:none;width:40px;height:40px;border-radius:10px;border:1px solid var(--line);background:#fff;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:4px;padding:0}
.nav__burger span{display:block;width:16px;height:2px;border-radius:2px;background:var(--ink);transition:transform .2s,opacity .2s}
.nav__burger[aria-expanded="true"] span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.nav__burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav__burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

/* ===================== FLOATING NAV (shows on scroll up) ===================== */
.fnav{position:fixed;top:0;left:0;right:0;z-index:70;transform:translateY(-120%);transition:transform .3s cubic-bezier(.2,.7,.2,1);pointer-events:none}
.fnav.is-on{transform:none;pointer-events:auto}
.fnav__in{width:min(1120px,calc(100% - 32px));margin:0 auto;background:rgba(255,255,255,.96);-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px);border-bottom:1px solid rgba(15,15,16,.06);box-shadow:0 1px 0 rgba(255,255,255,.6) inset,0 14px 28px -14px rgba(15,15,16,.14);display:flex;align-items:center;justify-content:space-between;gap:20px;padding:12px 40px}
.fnav .nav__links{gap:4px}
.fnav .btn{padding:7px 16px;font-size:11px}

/* ===================== MOBILE MENU (full-screen panel) ===================== */
.mnav{position:fixed;inset:0;z-index:80;background:var(--white);display:flex;flex-direction:column;padding:0;overflow:hidden;transform:translateY(-8px);opacity:0;visibility:hidden;transition:opacity .22s,transform .22s,visibility 0s .22s}
.mnav.open{opacity:1;transform:none;visibility:visible;transition:opacity .22s,transform .22s}
.mnav__head{display:flex;align-items:center;justify-content:space-between;padding:14px 20px 8px;flex:none}
.mnav__body{flex:1;overflow-y:auto;-webkit-overflow-scrolling:touch;padding:4px 20px 24px;overscroll-behavior:contain}
.acc{border-bottom:1px solid var(--line)}
.acc summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;padding:15px 0;font-family:var(--display);font-size:16px;font-weight:700;color:var(--ink)}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"";width:8px;height:8px;border-right:1.6px solid var(--ink);border-bottom:1.6px solid var(--ink);transform:rotate(45deg);margin:-4px 6px 0 0;transition:transform .2s}
.acc[open] summary::after{transform:rotate(-135deg);margin-top:4px}
.acc__list{display:flex;flex-direction:column;padding:0 0 12px}
.acc__list a{display:block;padding:9px 0 9px 14px;font-size:14px;font-weight:500;color:var(--ink-2);border-left:2px solid var(--line);margin-left:2px}
.acc__list a:active{color:var(--blue);border-left-color:var(--blue)}
.acc__sub{padding:6px 0 4px 16px;font-size:10px;color:var(--muted);display:flex;flex-wrap:wrap;align-items:center;gap:6px}
.acc__sub span{text-transform:uppercase;letter-spacing:.08em;font-weight:600;margin-right:2px}
.acc__sub a{padding:4px 10px;border:1px solid var(--line);border-radius:999px;color:var(--ink);font-weight:500;background:var(--gray-2);font-size:11px}
.mnav__close{width:40px;height:40px;border-radius:10px;border:1px solid var(--line);background:#fff;cursor:pointer;display:grid;place-items:center;padding:0}
.mnav__close svg{width:16px;height:16px;fill:none;stroke:var(--ink);stroke-width:2.2;stroke-linecap:round}
.mnav__foot{flex:none;display:flex;align-items:center;gap:14px;padding:14px 20px calc(16px + env(safe-area-inset-bottom));border-top:1px solid var(--line);background:rgba(255,255,255,.96);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);box-shadow:0 -12px 30px rgba(15,15,16,.06)}
.mnav__foot-t{flex:1;min-width:0;line-height:1.3}
.mnav__foot-t b{display:block;font-family:var(--display);font-size:15px;font-weight:700;letter-spacing:-.01em}
.mnav__foot-t span{display:block;font-size:10.5px;color:var(--muted);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.mnav .btn{padding:12px 20px;font-size:13px;flex:none}
body.menu-open{overflow:hidden}

/* ===================== BACK TO TOP (tablet / desktop) ===================== */
.totop{position:fixed;right:40px;bottom:24px;z-index:60;width:48px;height:48px;border-radius:50%;background:var(--ink);color:#fff;border:0;cursor:pointer;display:grid;place-items:center;opacity:0;visibility:hidden;transform:translateY(14px) scale(.9);transition:opacity .28s,transform .28s,visibility 0s .28s,box-shadow .4s;box-shadow:0 8px 24px rgba(59,31,196,.15)}
.totop.is-on{opacity:1;visibility:visible;transform:none;transition:opacity .28s,transform .28s,box-shadow .4s}
.totop.dock{position:absolute;bottom:auto}
.totop:hover{background:var(--blue)}
.totop .ring{position:absolute;inset:-4px;width:56px;height:56px;transform:rotate(-90deg);pointer-events:none}
.totop .ring circle{fill:none;stroke-width:2.5}
.totop .ring .bg{stroke:rgba(59,31,196,.14)}
.totop .ring .fg{stroke:var(--blue-2);stroke-linecap:round;stroke-dasharray:163.4;stroke-dashoffset:163.4;transition:stroke-dashoffset .12s linear}
.totop .arr{width:16px;height:16px;fill:none;stroke:#fff;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.totop .tip{position:absolute;right:58px;top:50%;transform:translateY(-50%);white-space:nowrap;font-size:10px;font-weight:600;color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:999px;padding:5px 10px;opacity:0;transition:opacity .2s;pointer-events:none;box-shadow:0 6px 16px rgba(0,0,0,.06)}
.totop:hover .tip{opacity:1}

/* ===================== MOBILE STICKY BAR ===================== */
.mbar{display:none}
@media (max-width:700px){
  .totop{display:none}
  body{padding-bottom:calc(66px + env(safe-area-inset-bottom))}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;align-items:center;gap:12px;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);border-top:1px solid var(--line);box-shadow:0 -10px 30px rgba(15,15,16,.08);transform:translateY(110%);transition:transform .32s cubic-bezier(.2,.7,.2,1)}
  .mbar.is-on{transform:none}
  .mbar__t{flex:1;min-width:0;line-height:1.25}
  .mbar__t b{display:block;font-family:var(--display);font-size:13px;font-weight:700;letter-spacing:-.01em;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .mbar__t span{display:flex;align-items:center;gap:5px;font-size:10px;color:var(--muted);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .mbar__t span i{width:6px;height:6px;border-radius:50%;background:var(--green);flex:none}
  .mbar .btn{padding:11px 18px;font-size:12.5px;flex:none}
}

/* ===================== HERO ===================== */
.hero{position:relative;display:grid;grid-template-columns:1fr 1.05fr;gap:20px;align-items:center;padding:10px 0 20px 40px}
.hero__content{max-width:540px;min-width:0}
.hero__img{justify-self:end;width:100%;max-width:600px;height:auto;margin-top:-24px;margin-right:-10px;filter:drop-shadow(0 30px 40px rgba(59,31,196,.12))}
.hero h1{font-size:clamp(30px,3.6vw,44px)}
.hero h1 em{font-style:normal;color:var(--blue)}
.hero p{margin:18px 0 22px;max-width:46ch}
.hero__cta{display:flex;gap:10px;flex-wrap:wrap}
.stats{display:flex;gap:34px;margin-top:34px}
.stat b{display:block;font-family:var(--display);font-size:20px;font-weight:700;font-variant-numeric:tabular-nums}
.stat span{font-size:10px;color:var(--muted)}
.card{width:200px;aspect-ratio:1.58/1;border-radius:12px;background:linear-gradient(135deg,#3B1FC4 0%,#1F1F24 55%,#0C0C0E 100%);color:#fff;position:relative;padding:12px;font-size:9px;box-shadow:0 14px 30px rgba(0,0,0,.35)}
.card .lg{display:flex;align-items:center;gap:5px;font-family:var(--display);font-weight:700;font-size:9px}
.card .lg i{width:11px;height:11px;border-radius:3px;background:#fff}
.card .num{position:absolute;left:12px;bottom:10px;font-family:var(--display);font-weight:700;font-size:13px;letter-spacing:.04em}
.card .nm{position:absolute;left:12px;bottom:30px;font-size:8px;letter-spacing:.12em;opacity:.8}
.card .exp{position:absolute;right:12px;top:12px;font-size:8px;opacity:.8}
.card .ok{position:absolute;right:12px;bottom:10px;font-size:8px;font-weight:600;color:#7CF2A4;letter-spacing:.08em}

/* ===================== TRUST ROW ===================== */
.logos{padding:26px 0 30px;text-align:center}
.logos p{margin-bottom:16px;font-size:10px}
.lrow{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;opacity:.55}
.wm{font-family:var(--display);font-weight:700;font-size:15px;color:var(--ink-2);display:inline-flex;align-items:center;gap:6px}
.wm i{width:12px;height:12px;border-radius:3px;background:currentColor}

/* ===================== OFFER (philosophy layout) ===================== */
.philo{display:grid;grid-template-columns:1fr 1.1fr;gap:40px;align-items:center;margin:0 40px;padding:0 48px 0 0;border-radius:18px;background:radial-gradient(ellipse 60% 70% at 20% 60%,#E3DCFB 0%,rgba(227,220,251,0) 70%),linear-gradient(180deg,#F4F1FD 0%,#ECE7FA 100%);position:relative;overflow:hidden}
.philo__media{position:relative;align-self:stretch;min-height:460px}
.philo__media img{position:absolute;left:50%;bottom:0;transform:translateX(-50%);height:calc(100% - 36px);width:auto;max-width:none}
.philo h2{margin-bottom:22px}
.philo .quote{font-family:var(--display);font-style:italic;font-weight:600;font-size:16px;color:var(--ink);margin-bottom:18px;max-width:34ch}
.philo h3{font-size:12px;font-weight:700;margin:14px 0 6px}
.philo p{font-size:11.5px;max-width:52ch}
.philo .btn{margin-top:22px}
.philo__text{padding:44px 0}
section.philo{padding-top:0;padding-bottom:0;margin-top:40px;margin-bottom:40px}

/* ===================== PRODUCTS (dark block) ===================== */
.princ{margin:0 40px;background:var(--dark);color:#fff;border-radius:18px;padding:50px 40px;position:relative;overflow:hidden;text-align:center}
.princ::before{content:"";position:absolute;right:-120px;top:-160px;width:520px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(108,76,245,.6),rgba(59,31,196,.35) 40%,transparent 70%);filter:blur(30px)}
.princ > *{position:relative}
.princ h2{color:#fff}
.princ > p{color:#B9B9C2;max-width:60ch;margin:10px auto 36px}
.pgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;text-align:left}
.pcard{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:14px;padding:22px;display:flex;flex-direction:column}
.pcard svg{width:20px;height:20px;stroke:#fff;fill:none;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round;margin-bottom:18px}
.pcard .tag{display:inline-block;font-size:9px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--blue-3);margin-bottom:8px}
.pcard h3{font-size:16px;color:#fff;margin-bottom:8px}
.pcard p{color:#9A9AA3;font-size:11px}
.pcard .more{margin-top:auto;padding-top:16px}
.specs{margin-top:18px;padding-top:14px;border-top:1px solid rgba(255,255,255,.1);display:grid;gap:8px;font-size:11px}
.specs div{display:flex;justify-content:space-between;gap:10px}
.specs span{color:#9A9AA3}.specs b{font-weight:600;color:#fff;font-variant-numeric:tabular-nums}
.specs b.g{color:#7CF2A4}
.cmp{margin-top:16px;overflow-x:auto;text-align:left;-webkit-overflow-scrolling:touch;scrollbar-width:thin}
.cmp__hint{display:none;font-size:10px;color:#9A9AA3;text-align:left;margin:10px 0 0;letter-spacing:.04em}
.cmp table{width:100%;min-width:520px;border-collapse:collapse;font-size:11px;font-variant-numeric:tabular-nums}
.cmp th,.cmp td{padding:11px 14px;border-bottom:1px solid rgba(255,255,255,.08);text-align:left}
.cmp th{font-size:9px;letter-spacing:.1em;text-transform:uppercase;color:#9A9AA3;font-weight:600}
.cmp td{color:#D6D6DD}.cmp td:first-child{color:#9A9AA3}
.cmp tr:last-child td{border-bottom:none}
.cmp .g{color:#7CF2A4;font-weight:600}

/* ===================== RATES ===================== */
.fees{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:26px}
.fee{background:var(--gray-2);border:1px solid var(--line);border-radius:14px;padding:20px}
.fee span{font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:600}
.fee b{display:block;font-family:var(--display);font-size:26px;font-weight:700;margin:6px 0 4px;font-variant-numeric:tabular-nums}
.fee b.g{color:var(--blue)}
.fee p{font-size:11px}
.note{margin-top:14px;border:1px solid var(--line);border-radius:14px;padding:16px 18px;font-size:11.5px;color:var(--muted)}
.note b{color:var(--ink)}

/* ===================== HOW IT WORKS (showcase) ===================== */
.show{margin:0 40px;background:var(--gray);border-radius:18px;overflow:hidden}
.show__img{width:100%;height:auto;display:block}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:30px}
.step{border:1px solid var(--line);border-radius:14px;padding:18px}
.step b{display:grid;place-items:center;width:28px;height:28px;border-radius:50%;background:var(--ink);color:#fff;font-family:var(--display);font-size:12px;margin-bottom:12px}
.step h3{font-size:13px;margin-bottom:6px}
.step p{font-size:11px}

/* ===================== LENDING MODEL (duo) ===================== */
.duo{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:16px 40px 0}
.duo > div{border-radius:18px;padding:30px 28px;min-height:330px;position:relative;overflow:hidden}
.community{background:var(--dark);color:#fff;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:22px 22px}
.community .card{position:absolute;left:28px;top:-40px;width:240px;transform:rotate(-8deg);background:linear-gradient(135deg,#2A2A30,#0C0C0E)}
.community h3{font-size:18px;margin-top:110px;color:#fff}
.community p{color:#B9B9C2;margin-top:10px;font-size:11.5px;max-width:48ch}
.community ul{list-style:none;margin-top:14px;display:grid;gap:6px;font-size:11px;color:#D6D6DD}
.community li::before{content:"— ";color:var(--blue-3)}
.community .more{margin-top:16px}
.quote-card{background:linear-gradient(135deg,#3B1FC4 0%,#5A3BEA 40%,#B9ACFF 75%,#C8C2BA 100%);color:#fff;display:flex;flex-direction:column;justify-content:flex-end}
.quote-card .logo{position:absolute;left:28px;top:26px;color:#fff}
.quote-card .logo i{background:#fff}
.quote-card p{color:#fff;font-family:var(--display);font-weight:500;font-size:17px;line-height:1.4;max-width:30ch}
.quote-card em{font-weight:700;font-style:italic}

/* ===================== CALCULATOR ===================== */
.calc{display:grid;grid-template-columns:1.1fr 1fr;gap:16px;margin-top:26px}
.calc__in{background:var(--gray-2);border:1px solid var(--line);border-radius:18px;padding:24px}
.field{margin-bottom:22px}.field:last-child{margin-bottom:0}
.field label{display:flex;justify-content:space-between;align-items:baseline;gap:10px;font-size:10px;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;margin-bottom:8px}
.field output{font-family:var(--display);font-size:22px;font-weight:700;color:var(--ink);text-transform:none;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.field input[type=range]{width:100%;accent-color:var(--blue);cursor:pointer}
.ticks{display:flex;justify-content:space-between;font-size:10px;color:var(--muted);margin-top:4px;font-variant-numeric:tabular-nums}
.terms{display:flex;gap:8px;flex-wrap:wrap}
.terms button{flex:1;min-width:64px;padding:9px 0;border-radius:999px;border:1px solid var(--line);background:#fff;font-size:12px;font-weight:600;cursor:pointer;transition:background .15s,color .15s}
.terms button:hover{border-color:var(--ink)}
.terms button.on{background:var(--ink);color:#fff;border-color:var(--ink)}
.calc__out{background:var(--dark);color:#fff;border-radius:18px;padding:26px;position:relative;overflow:hidden;display:flex;flex-direction:column}
.calc__out::before{content:"";position:absolute;right:-140px;top:-140px;width:420px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(108,76,245,.6),rgba(59,31,196,.35) 40%,transparent 70%);filter:blur(30px)}
.calc__out > *{position:relative}
.calc__out .lbl{font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:#9A9AA3}
.calc__out .big{font-family:var(--display);font-size:clamp(40px,4.5vw,54px);font-weight:700;letter-spacing:-.03em;line-height:1;margin:8px 0 4px;font-variant-numeric:tabular-nums}
.calc__out .per{font-size:12px;color:#B9B9C2;margin-bottom:18px}
.brk{display:grid;gap:9px;border-top:1px solid rgba(255,255,255,.1);padding-top:14px;font-size:12px;font-variant-numeric:tabular-nums}
.brk div{display:flex;justify-content:space-between;gap:10px}
.brk span{color:#9A9AA3}.brk b{color:#fff;font-weight:600}
.save{margin-top:14px;background:rgba(124,242,164,.1);border:1px solid rgba(124,242,164,.28);border-radius:12px;padding:10px 12px;font-size:11.5px;color:#D6F5E1;line-height:1.5}
.save b{color:#7CF2A4}
.calc__out .btn{margin-top:18px;align-self:flex-start;background:#fff;color:var(--ink);border-color:#fff}
.calc__out .btn:hover{background:#eee}
.calc-note{font-size:10.5px;color:var(--muted);margin-top:14px;max-width:90ch;line-height:1.6}

/* ===================== REVIEWS ===================== */
.rv{display:grid;grid-template-columns:1fr 1.25fr;gap:16px;margin-top:26px}
.rv__sum{background:var(--gray-2);border:1px solid var(--line);border-radius:18px;padding:24px}
.stars{display:inline-flex;gap:3px}
.stars i{width:22px;height:22px;border-radius:4px;background:var(--blue);display:grid;place-items:center}
.stars i.half{background:linear-gradient(90deg,var(--blue) 50%,#C9C9CF 50%)}
.stars i.off{background:#C9C9CF}
.stars svg{width:14px;height:14px;fill:#fff}
.stars.sm i{width:16px;height:16px;border-radius:3px}.stars.sm svg{width:10px;height:10px}
.rv__word{font-family:var(--display);font-size:26px;font-weight:700;letter-spacing:-.02em;line-height:1.1}
.rv__score{display:flex;align-items:center;gap:12px;margin:10px 0 4px}
.rv__score b{font-family:var(--display);font-size:34px;font-weight:700;letter-spacing:-.03em;font-variant-numeric:tabular-nums}
.rv__meta{font-size:11.5px;color:var(--muted)}
.dist{display:grid;gap:7px;margin-top:18px;font-size:11px;font-variant-numeric:tabular-nums}
.dist div{display:grid;grid-template-columns:44px 1fr 38px;align-items:center;gap:10px}
.dist span{color:var(--muted)}.dist span:last-child{text-align:right;color:var(--ink);font-weight:600}
.dist i{height:8px;border-radius:4px;background:#E5E5E8;overflow:hidden;display:block}
.dist i::after{content:"";display:block;height:100%;width:var(--w);background:var(--blue);border-radius:4px}
.rv__themes{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.theme{border:1px solid var(--line);border-radius:16px;padding:18px}
.theme h3{font-size:12px;font-weight:700;margin-bottom:10px;display:flex;align-items:center;gap:7px}
.theme h3 i{width:8px;height:8px;border-radius:50%;background:var(--blue);display:inline-block}
.theme.neg h3 i{background:#C9C9CF}
.theme ul{list-style:none;display:grid;gap:8px;font-size:11.5px;color:var(--ink-2)}
.theme li{padding-left:14px;position:relative}
.theme li::before{content:"";position:absolute;left:0;top:7px;width:6px;height:6px;border-radius:50%;background:var(--line)}
.theme p{font-size:10.5px;margin-top:10px}
.rcards{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:12px}
.rcard{background:var(--gray-2);border:1px solid var(--line);border-radius:16px;padding:18px;position:relative}
.rcard .d{font-size:10px;color:var(--muted);margin:10px 0 6px}
.rcard h4{font-family:var(--display);font-size:13px;font-weight:700;margin-bottom:6px}
.rcard p{font-size:11.5px;font-style:italic}
.rcard .vf{position:absolute;right:14px;top:14px;display:inline-flex;align-items:center;gap:4px;font-size:9px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#1E8E4E;background:#E8F6EE;border:1px solid #BFE6D0;border-radius:999px;padding:4px 9px;font-style:normal}
.rcard .vf svg{width:11px;height:11px;fill:none;stroke:#1E8E4E;stroke-width:2.6;stroke-linecap:round;stroke-linejoin:round}
.rcard .who{display:flex;align-items:center;gap:8px;margin-top:12px;font-size:11px}
.rcard .who i{width:28px;height:28px;border-radius:50%;background:var(--blue);color:#fff;flex:none;display:grid;place-items:center;font-style:normal;font-family:var(--display);font-size:10px;font-weight:700;letter-spacing:.02em}
.rcard .who b{display:block;font-weight:600}.rcard .who span{font-size:9px;color:var(--muted)}

/* ===================== STATES ===================== */
.sgrid{display:grid;grid-template-columns:1.2fr 1fr;gap:30px;align-items:start;margin-top:24px}
.states{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.states a{display:flex;align-items:center;gap:6px;font-size:11px;font-weight:500;background:var(--gray-2);border:1px solid var(--line);border-radius:8px;padding:8px 10px;color:var(--ink);transition:border-color .15s,background .15s}
.states a:hover{border-color:var(--blue);background:#F4F1FD}
.states a::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--blue);flex:none}
.sinfo{background:var(--gray-2);border:1px solid var(--line);border-radius:16px;padding:20px}
.sinfo h3{font-size:14px;margin-bottom:10px}
.sinfo p{font-size:11.5px;margin-bottom:10px}
.sinfo p:last-child{margin-bottom:0}

/* ===================== ELIGIBILITY ===================== */
.egrid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:26px}
.ecard{border:1px solid var(--line);border-radius:14px;padding:18px}
.ecard svg{width:20px;height:20px;stroke:var(--ink);fill:none;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round;margin-bottom:12px}
.ecard h3{font-size:13px;margin-bottom:6px}
.ecard p{font-size:11px}
.egrid+.more{margin-top:12px}
.credit{margin-top:14px;background:var(--dark);color:#fff;border-radius:16px;padding:22px 24px;display:grid;grid-template-columns:auto 1fr;gap:18px;align-items:start}
.credit svg{width:22px;height:22px;stroke:#fff;fill:none;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round;margin-top:2px}
.credit h3{font-size:14px;color:#fff;margin-bottom:6px}
.credit p{color:#B9B9C2;font-size:11.5px;max-width:80ch}

/* ===================== BENEFITS (A: dark scorecard) ===================== */
.bk{margin:0 40px 50px;background:var(--dark);color:#fff;border-radius:18px;padding:44px 40px;position:relative;overflow:hidden}
.bk::before{content:"";position:absolute;inset:auto -10% -40% auto;width:60%;height:120%;background:radial-gradient(ellipse at center,rgba(108,76,245,.35) 0%,rgba(108,76,245,0) 65%);pointer-events:none}
.bk h2{color:#fff;margin-bottom:6px}
.bk .lead{color:#9A9AA3}
.bk__kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:26px 0 28px}
.bk__kpis div{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:14px;padding:16px 18px}
.bk__kpis b{display:block;font-family:var(--display);font-size:26px;font-weight:700;letter-spacing:-.03em;line-height:1}
.bk__kpis span{font-size:10px;color:#9A9AA3;margin-top:6px;display:block}
.bk__grid{display:grid;grid-template-columns:1.15fr 1fr;gap:14px;position:relative}
.bk__pros{display:grid;gap:8px}
.bk__pros>div{display:flex;gap:12px;align-items:flex-start;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:12px;padding:12px 14px}
.bk__pros i{flex:none;width:28px;height:28px;border-radius:8px;background:var(--grad);display:grid;place-items:center}
.bk__pros svg,.bk__cons svg{width:14px;height:14px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.bk__pros b{display:block;font-size:12px;font-weight:600}
.bk__pros p{font-size:11px;color:#9A9AA3;margin-top:2px}
.bk__cons{background:#fff;color:var(--ink);border-radius:14px;padding:20px}
.bk__cons h3{font-size:14px;margin-bottom:4px}
.bk__cons .sub{font-size:10.5px;color:var(--muted);margin-bottom:12px}
.bk__cons>div.r{display:flex;gap:12px;padding:11px 0;border-top:1px solid var(--line)}
.bk__cons i{flex:none;width:28px;height:28px;border-radius:8px;background:var(--gray);display:grid;place-items:center}
.bk__cons svg{stroke:var(--ink)}
.bk__cons b{display:block;font-size:12px;font-weight:600}
.bk__cons p{font-size:11px;color:var(--ink-2);margin-top:2px}
.bk .tagline{display:inline-flex;align-items:center;gap:8px;font-size:10px;color:#9A9AA3;margin-top:14px}
.bk .tagline i{width:6px;height:6px;border-radius:50%;background:#7CF2A4}

/* ===================== ABOUT ===================== */
.abt{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.abt .lead{max-width:48ch}
.abt__body{font-size:11.5px;color:var(--ink-2);margin-top:14px;max-width:52ch}
.about{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:22px}
.about div{border:1px solid var(--line);border-radius:14px;padding:16px}
.about div:last-child{grid-column:1/-1}
.abt__media{position:relative;border-radius:18px;overflow:hidden;background:#EFEBFA;aspect-ratio:4/5;max-height:600px;box-shadow:0 24px 50px rgba(59,31,196,.1)}
.abt__media img{width:100%;height:100%;object-fit:cover;object-position:center top;display:block}
.abt__chip{position:absolute;left:16px;bottom:16px;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.8);border-radius:12px;padding:10px 14px;display:flex;align-items:center;gap:10px;box-shadow:0 10px 24px rgba(0,0,0,.08)}
.abt__chip i{width:30px;height:30px;border-radius:8px;background:var(--grad);display:grid;place-items:center;flex:none}
.abt__chip svg{width:14px;height:14px;fill:none;stroke:#fff;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.abt__chip b{display:block;font-family:var(--display);font-size:12px;font-weight:700}
.abt__chip span{font-size:9.5px;color:var(--muted)}
.about h3{font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
.about p{font-size:12px;color:var(--ink);font-weight:500;line-height:1.55}
.about p .tl{font-size:11px}

/* ===================== FAQ ===================== */
.faq{max-width:760px;margin-top:22px;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:16px 0;font-family:var(--display);font-weight:600;font-size:14px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:18px;font-weight:500;color:var(--muted);transition:transform .2s;flex:none}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding:0 0 16px;max-width:66ch;font-size:12.5px}

/* ===================== CTA ===================== */
.cta{position:relative;overflow:hidden;margin:0 40px;border-radius:18px;padding:70px 30px;text-align:center;color:#fff;background:linear-gradient(90deg,#3B1FC4 0%,#6C4CF5 22%,#E4DEFF 46%,#F0EEEA 58%,#9C8F85 80%,#3B3330 100%)}
.cta::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 50% 90% at 50% 50%,rgba(0,0,0,.45),rgba(0,0,0,.1) 70%,transparent)}
.cta > *{position:relative}
.cta h2{color:#fff;font-size:clamp(22px,2.6vw,30px);text-shadow:0 2px 20px rgba(0,0,0,.25)}
.cta p{color:rgba(255,255,255,.9);margin:12px auto 22px;max-width:40ch;text-shadow:0 1px 8px rgba(0,0,0,.25)}
.cta .btns{display:flex;gap:10px;justify-content:center}
.cta .btn{background:#fff;border-color:#fff;color:var(--ink)}
.cta .btn:hover{background:#eee}
.cta .btn--outline-w{background:transparent;color:#fff}
.cta .btn--outline-w:hover{background:#fff;color:var(--ink)}

/* ===================== FEATURE STRIP ===================== */
.marq{padding:30px 40px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-top:50px}
.marq__track{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:12px 24px;font-family:var(--display);font-weight:600;font-size:clamp(18px,1.9vw,22px);letter-spacing:-.02em;white-space:nowrap}
.marq__track span{display:inline-flex;align-items:center;gap:24px}
.marq__track span:last-child i{display:none}
.marq__track i{display:block;width:24px;height:23px;background:var(--mark);-webkit-mask:var(--mark-svg) center/contain no-repeat;mask:var(--mark-svg) center/contain no-repeat;flex:none}

/* ===================== FOOTER ===================== */
.footer{padding:40px 40px 24px}
.fgrid{display:grid;grid-template-columns:1.4fr .5fr .5fr .6fr;gap:40px}
.footer p{margin:12px 0 16px;max-width:34ch;font-size:11px}
.footer__mail{display:block;margin-top:14px;font-size:11px;font-weight:600;color:var(--ink)}
.footer__mail:hover{text-decoration:underline}
.footer .fh{font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.footer ul{list-style:none;display:grid;gap:7px;font-size:11px}
.footer ul a:hover{text-decoration:underline}
.disc{margin-top:36px;padding-top:18px;border-top:1px solid var(--line)}
.disc p{font-size:10px;max-width:none;margin:0 0 8px;line-height:1.65}
.fbar{display:flex;justify-content:space-between;gap:20px;font-size:10px;color:var(--muted);margin-top:18px;padding-top:18px;border-top:1px solid var(--line);flex-wrap:wrap}
.fbar div{display:flex;gap:16px}

/* ===================== RESPONSIVE ===================== */
/* ---- Tablet (<=960) ---- */
@media (max-width:960px){
  .wrap{padding:0 24px}.divider,.princ,.show,.duo,.cta,.philo,.bk{margin-left:24px;margin-right:24px}
  .nav{padding:18px 24px}.nav__links{display:none}.nav__burger{display:flex}.fnav__in{padding:8px 12px 8px 24px}
  .hero{grid-template-columns:1fr 1fr;gap:16px;padding:8px 24px 24px}
  .hero h1{font-size:clamp(28px,4.2vw,36px)}
  .hero__img{max-width:400px;margin:0}
  .stats{gap:24px;margin-top:26px}
  .logos{padding:22px 0 26px}.lrow{justify-content:center;gap:14px 20px}.wm{font-size:13px}
  .philo{padding:0 28px 0 0;gap:24px}.philo__media{min-height:380px}
  .princ{padding:40px 28px}.princ::before{width:420px;height:340px;right:-140px;top:-140px}
  .pcard{padding:20px}
  .fees{gap:12px}.fee{padding:18px}.fee b{font-size:22px}
  .steps{grid-template-columns:1fr 1fr;gap:12px}.step{padding:16px}
  .duo{gap:12px}.duo > div{padding:26px 22px;min-height:300px}
  .community .card{width:200px;top:-44px}.community h3{margin-top:96px}
  .calc{gap:12px}.calc__in,.calc__out{padding:20px}
  .rv{gap:12px}.rv__themes{grid-template-columns:1fr}
  .rcards{display:flex;gap:12px;overflow-x:auto;scroll-snap-type:x mandatory;padding:4px 4px 14px;margin:12px -4px 0;scrollbar-width:thin}
  .rcard{flex:0 0 min(340px,82vw);scroll-snap-align:start}
  .sgrid{gap:20px}.states{grid-template-columns:repeat(3,1fr)}
  .egrid{grid-template-columns:1fr 1fr;gap:12px}
  .bk{padding:36px 28px}.bk__kpis{gap:8px}.bk__kpis div{padding:14px 16px}.bk__kpis b{font-size:22px}.bk__grid{grid-template-columns:1fr}.bk__pros{grid-template-columns:1fr 1fr}.bk__pros>div:last-child{grid-column:1/-1}
  .abt{grid-template-columns:1.1fr .9fr;gap:28px}.abt__media{max-height:none}
  .cta{padding:56px 28px;background:linear-gradient(160deg,#3B1FC4 0%,#6C4CF5 45%,#2A2430 100%)}.cta::before{background:radial-gradient(ellipse 80% 70% at 50% 40%,rgba(0,0,0,.25),transparent 70%)}
  .marq{padding:24px}.marq__track{display:grid;grid-template-columns:repeat(2,auto);justify-content:center;gap:10px 40px}.marq__track i{display:none}
  .footer{padding:36px 24px 20px}.fgrid{grid-template-columns:1fr 1fr 1fr;gap:28px}.fgrid > div:first-child{grid-column:1/-1}.fgrid p{max-width:52ch}
}
/* ---- Large phone / small tablet (<=700) ---- */
@media (max-width:700px){
  .hero{grid-template-columns:1fr;padding:8px 24px 20px}
  .hero__content{max-width:none}
  .hero__img{justify-self:center;max-width:420px;margin:4px 0 0}
  .philo{grid-template-columns:1fr;padding:0 24px;gap:4px}.philo__media{min-height:0;height:340px;align-self:auto}.philo__text{padding:0 0 30px}
  .pgrid{grid-template-columns:1fr}
  .cmp__hint{display:block}
  .cmp th:first-child,.cmp td:first-child{position:sticky;left:0;background:var(--dark);z-index:1}
  .fees{grid-template-columns:1fr}
  .duo,.calc,.rv,.sgrid{grid-template-columns:1fr}
  .duo > div{min-height:0}.duo > .quote-card{min-height:250px}.quote-card .logo{position:static;margin-bottom:34px}.quote-card{justify-content:flex-start}
  .fgrid{grid-template-columns:1fr 1fr}
  .abt{grid-template-columns:1fr;gap:24px}.abt__media{aspect-ratio:auto;height:380px;width:100%}.abt__media img{object-position:center 18%}
  .bk__pros{grid-template-columns:1fr}
}
/* ---- Phone (<=600) ---- */
@media (max-width:600px){
  .page{width:calc(100% - 16px);margin:8px auto;border-radius:16px}
  .wrap{padding:0 16px}.divider,.princ,.show,.duo,.cta,.philo,.bk{margin-left:16px;margin-right:16px}
  section{padding:40px 0}
  h2{font-size:clamp(22px,6.2vw,26px)}
  .nav{padding:14px 16px}.nav .btn,.fnav .btn{display:none}.fnav__in{width:calc(100% - 16px);padding:8px 10px 8px 16px}.mnav__head{padding-left:16px;padding-right:16px}.mnav__body{padding-left:16px;padding-right:16px}.mnav__foot{padding-left:16px;padding-right:16px}
  .hero{padding:8px 16px 16px}.hero h1{font-size:clamp(28px,8vw,34px)}.hero p{font-size:12.5px;margin:14px 0 18px}
  .hero__cta .btn{flex:1 1 0;min-width:140px}
  .stats{display:grid;grid-template-columns:1fr 1fr;gap:14px 20px;margin-top:22px}
  .hero__img{max-width:100%;margin-top:0}
  .logos{padding:18px 0 22px}.logos p{font-size:9.5px}.lrow{display:grid;grid-template-columns:1fr 1fr;gap:12px 10px;justify-items:center}.wm{font-size:13px}
  .philo{padding:0 18px}.philo__media{height:300px}.philo h2{margin-bottom:16px}.philo .quote{font-size:15px}
  .princ{padding:34px 18px}.princ::before{width:300px;height:260px;right:-120px;top:-120px;filter:blur(24px)}
  .princ > p{margin-bottom:26px}
  .pcard{padding:18px}
  .fees{gap:10px}.fee{padding:16px 18px}.fee b{font-size:24px;margin:4px 0 2px}
  .show{border-radius:14px}.show__img{height:320px;object-fit:cover;object-position:center}
  .steps{grid-template-columns:1fr;gap:10px;margin-top:22px}
  .step{display:grid;grid-template-columns:auto 1fr;gap:4px 14px;padding:14px 16px}
  .step b{grid-row:1/3;margin:0;align-self:start}.step h3{align-self:center}
  .duo > div{padding:24px 18px;border-radius:16px}
  .community .card{width:180px;left:18px;top:-36px}.community h3{margin-top:88px;font-size:17px}
  .quote-card p{font-size:16px}
  .calc__in,.calc__out{padding:18px;border-radius:16px}
  .field input[type=range]{height:32px}
  .field output{font-size:20px}
  .terms button{min-width:0;padding:10px 0}
  .calc__out .big{font-size:40px}
  .calc__out .btn{align-self:stretch;padding:12px 20px;font-size:13px}
  .rv__sum{padding:20px}.rv__word{font-size:22px}.rv__score b{font-size:30px}
  .rcard{flex-basis:min(300px,84vw)}
  .states{display:flex;flex-wrap:wrap;gap:6px}
  .states a{padding:6px 10px;border-radius:999px;font-size:11px}
  .sinfo{padding:18px}
  .egrid{grid-template-columns:1fr;gap:10px}
  .ecard{display:grid;grid-template-columns:auto 1fr;gap:2px 14px;padding:14px 16px;align-items:center}
  .ecard svg{grid-row:1/3;margin:0}.ecard h3{margin:0}
  .credit{grid-template-columns:1fr;gap:10px;padding:20px 18px}
  .mailbox{display:grid;grid-template-columns:36px 1fr;gap:6px 14px;align-items:start}.mailbox i{grid-row:1/3}.mailbox .more{grid-column:2;margin:0;justify-self:start}
  .bk{padding:30px 18px;border-radius:16px}.bk__kpis{grid-template-columns:1fr 1fr;margin:22px 0 22px}
  .bk__pros>div{padding:12px}.bk__cons{padding:16px}
  .abt__media{height:320px;border-radius:16px}.abt__chip{left:12px;bottom:12px;right:12px;padding:10px 12px}
  .about{grid-template-columns:1fr}.about div:last-child{grid-column:auto}
  .faq summary{font-size:13.5px;padding:14px 0}
  .cta{padding:48px 22px;border-radius:16px}
  .cta .btns{flex-direction:column;align-items:stretch}.cta .btn{padding:12px 20px;font-size:13px}
  .marq{padding:20px 16px}.marq__track{grid-template-columns:1fr;gap:8px;text-align:center}.marq__track span{justify-content:center}
  .footer{padding:32px 16px 18px}.fgrid{grid-template-columns:1fr 1fr;gap:24px 16px}.fgrid > div:first-child,.fgrid > div:last-child{grid-column:1/-1}
  .footer ul{gap:9px;font-size:12px}
  .fbar{flex-direction:column;gap:10px}
  .btn,.terms button,.faq summary,.mnav a,.mbar a,.nav__burger{-webkit-tap-highlight-color:transparent}
}
@media (max-width:380px){
  .hero__cta .btn{flex:1 1 100%}
  .bk__kpis{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){*{transition:none !important}}
:focus-visible{outline:2px solid var(--blue);outline-offset:3px}

/* ===================== SUBPAGE SHARED ===================== */
.crumbs{display:flex;align-items:center;flex-wrap:wrap;gap:8px;font-size:10.5px;color:var(--muted);padding:0 40px}
.crumbs a{color:var(--muted)}.crumbs a:hover{color:var(--ink)}.crumbs span{color:var(--ink);font-weight:600}
.crumbs i{width:3px;height:3px;border-radius:50%;background:#C9C9CF}
.top--dark .crumbs{color:#9A9AA3}.top--dark .crumbs a{color:#9A9AA3}.top--dark .crumbs a:hover,.top--dark .crumbs span{color:#fff}
.top--dark{background:var(--dark);color:#fff}
.top--dark .nav__top{color:#B9B9C2}.top--dark .nav__item:hover .nav__top,.top--dark .nav__item.open .nav__top{color:#fff;background:rgba(255,255,255,.08)}
.top--dark .logo{color:#fff}.top--dark .logo i{background:#fff}
.top--dark .nav .btn{background:#fff;color:var(--ink);border-color:#fff}
.top--dark .nav__burger{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.15)}.top--dark .nav__burger span{background:#fff}
.sub{padding:50px 40px}
.sub--tight{padding-top:0}
.art{font-size:13px;color:var(--ink-2);line-height:1.75;max-width:68ch}
.art p+p{margin-top:12px}
.art h2{margin:34px 0 12px}.art h3{font-size:15px;margin:22px 0 8px}
.art ul,.art ol{padding-left:20px;margin:10px 0}.art li{margin:5px 0}
.art strong{color:var(--ink)}
.upd{display:inline-flex;align-items:center;gap:8px;font-size:10px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.upd i{width:6px;height:6px;border-radius:50%;background:var(--green)}
.hero-sub{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center;padding:30px 40px 56px;min-height:520px}
.hero-sub h1{font-size:clamp(28px,3.4vw,42px);line-height:1.12}
.hero-sub h1 em{font-style:normal;color:var(--blue)}
.hero-sub .lead{font-size:14px;margin-top:16px;max-width:50ch}
.hero-sub .hcta{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}
.bg-wide{position:relative;overflow:hidden;background-size:cover;background-position:right center}
.bg-wide > *{position:relative}
.side-img{position:relative;border-radius:18px;overflow:hidden;background:#EFEBFA;aspect-ratio:4/5;box-shadow:0 24px 50px rgba(59,31,196,.1)}
.side-img img{width:100%;height:100%;object-fit:cover;display:block}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.split--img-left{grid-template-columns:.9fr 1.1fr}
.split--img-right{grid-template-columns:1.1fr .9fr}
.ctab{margin:0 40px 50px;border-radius:18px;padding:44px 40px;background:var(--dark);color:#fff;display:grid;grid-template-columns:1.2fr auto;gap:30px;align-items:center;position:relative;overflow:hidden}
.ctab::before{content:"";position:absolute;right:-120px;top:-160px;width:460px;height:400px;border-radius:50%;background:radial-gradient(circle,rgba(108,76,245,.55),rgba(59,31,196,.3) 40%,transparent 70%);filter:blur(30px)}
.ctab > *{position:relative}
.ctab h2{color:#fff;font-size:clamp(20px,2.2vw,26px)}
.ctab p{color:#B9B9C2;margin-top:8px;max-width:52ch}
.ctab .btns{display:flex;gap:10px;flex-wrap:wrap}
.ctab .btn{background:#fff;color:var(--ink);border-color:#fff;padding:11px 22px;font-size:12.5px}
.ctab .btn--outline-w{background:transparent;color:#fff}
.faq-sub{max-width:760px;margin-top:22px;border-top:1px solid var(--line)}
.faq-sub details{border-bottom:1px solid var(--line)}
.faq-sub summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:16px 0;font-family:var(--display);font-weight:600;font-size:14px}
.faq-sub summary::-webkit-details-marker{display:none}
.faq-sub summary::after{content:"+";font-size:18px;font-weight:500;color:var(--muted);transition:transform .2s;flex:none}
.faq-sub details[open] summary::after{transform:rotate(45deg)}
.faq-sub details p{padding:0 0 16px;max-width:66ch;font-size:12.5px}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:22px}
.related a{display:block;border:1px solid var(--line);border-radius:14px;padding:16px 18px;color:var(--ink);transition:border-color .15s,transform .15s}
.related a:hover{border-color:var(--blue);transform:translateY(-2px)}
.related b{display:block;font-family:var(--display);font-size:13px;margin-bottom:4px}
.related span{font-size:11px;color:var(--muted)}
@media (max-width:960px){
  .crumbs{padding:0 24px}.sub{padding:40px 24px}.ctab{margin:0 24px 40px;padding:36px 28px;grid-template-columns:1fr}
  .hero-sub{grid-template-columns:1fr;padding:20px 24px 40px;min-height:0;gap:24px}
  .split,.split--img-left,.split--img-right{grid-template-columns:1fr;gap:24px}
  .related{grid-template-columns:1fr 1fr}
}
@media (max-width:600px){
  .crumbs{padding:0 16px;font-size:10px}.sub{padding:36px 16px}.ctab{margin:0 16px 32px;padding:30px 20px;border-radius:16px}
  .hero-sub{padding:16px 16px 32px}.hero-sub .hcta .btn{flex:1 1 0;min-width:140px}
  .related{grid-template-columns:1fr}
  .side-img{aspect-ratio:4/4.2}.side-img img{object-position:center top}
}

/* pages without the mobile sticky bar (e.g. /apply/) */
body.no-mbar .mbar{display:none !important}
body.no-mbar{padding-bottom:0 !important}