/* gracesloanadvance.com — Design v2 (quiet editorial fintech). Tokens: radius 14 · card edge shadow+hairline · eyebrow plain · dark feature #1 */
@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:"Fraunces";font-style:normal;font-weight:500;font-display:swap;src:url(fonts/fraunces-500.woff2) format("woff2")}
:root{
  --ink:#556B2F;--ink-deep:#3E4F20;--accent:#E8772E;--accent-ink:#B4531A;
  --bg:#E8EAE4;--panel:#F5F6F2;--card:#FFFFFF;--line:#D6D9D0;--text:#1D2018;--muted:#5A6150;--ink-soft:#EEF1E6;
  --r:14px;--r-in:8px;--maxw:1200px;--gut:22px;--pad:clamp(1.4rem,4vw,2.9rem);
  --shadow:0 1px 2px rgba(29,32,24,.05),0 10px 30px -18px rgba(29,32,24,.28);
  --sans:"Manrope",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;--serif:"Fraunces",Georgia,"Times New Roman",serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--sans);font-size:16px;line-height:1.6;font-weight:400;padding:12px var(--gut) 0}
img{max-width:100%;display:block}
a{color:var(--ink-deep);text-underline-offset:3px}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}
h1,h2,h3{font-weight:500;letter-spacing:-.02em;line-height:1.15;color:var(--text);text-wrap:balance;margin:0}
h1{font-size:clamp(2.1rem,4.2vw,3.25rem);letter-spacing:-.03em}
h2{font-size:clamp(1.6rem,2.8vw,2.1rem)}
h3{font-size:1.15rem;letter-spacing:-.01em;line-height:1.3}
p{margin:0}
.lead,.answer{text-wrap:balance}
.skip{position:absolute;left:-9999px;top:0;background:var(--card);padding:.6rem 1rem;z-index:2147483647;border-radius:8px}
.skip:focus{left:16px;top:12px}
.wrap{max-width:var(--maxw);margin:0 auto}
.card{background:var(--panel);border-radius:var(--r);border:1px solid var(--line);box-shadow:var(--shadow);padding:var(--pad);max-width:var(--maxw);margin:0 auto var(--gut);position:relative}
.eyebrow{display:block;font-size:.75rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-deep);margin-bottom:.7rem}
.muted{color:var(--muted)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:46px;padding:.7rem 1.25rem;border-radius:10px;font-weight:600;font-size:.95rem;text-decoration:none;border:1px solid transparent;cursor:pointer;font-family:inherit;line-height:1.2}
.btn-primary{background:var(--ink);color:#fff}
.btn-primary:hover{background:var(--ink-deep);color:#fff}
.btn-ghost{background:var(--card);color:var(--text);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--ink);color:var(--text)}
.btn-row{display:flex;flex-wrap:wrap;gap:.6rem;align-items:center}

/* ---------- NAV ---------- */
.nav{position:sticky;top:10px;z-index:2147483000;isolation:isolate;max-width:var(--maxw);margin:0 auto -78px;height:68px;display:flex;align-items:center;gap:1.4rem;padding:0 var(--pad);border-radius:var(--r);border:1px solid transparent;transition:background .2s,box-shadow .2s,border-color .2s}
.nav.scrolled{background:var(--panel);border-color:var(--line);box-shadow:var(--shadow)}
.logo{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--text);font-weight:600;letter-spacing:.14em;text-transform:uppercase;font-size:.8rem;white-space:nowrap}
.logo img{width:34px;height:34px}
.menu{display:flex;align-items:center;gap:.2rem;list-style:none;margin:0;padding:.2rem;border-radius:12px;background:rgba(245,246,242,.86)}
.nav.scrolled .menu{background:transparent}
.logo{background:rgba(245,246,242,.86);padding:.35rem .7rem .35rem .4rem;border-radius:12px}.nav.scrolled .logo{background:transparent}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{display:flex;align-items:center;gap:.3rem;min-height:44px;padding:0 .7rem;border-radius:9px;color:var(--text);text-decoration:none;font:500 .92rem var(--sans);background:none;border:0;cursor:pointer;white-space:nowrap}
.menu>li>a:hover,.menu>li>button:hover{background:rgba(85,107,47,.09)}
.menu svg{width:12px;height:12px}
.dd{position:absolute;top:100%;left:0;margin:0;padding:.45rem;list-style:none;background:var(--panel);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);box-shadow:var(--shadow);width:max-content;max-width:calc(100vw - 32px);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:3}
.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 .8rem;border-radius:6px;color:var(--text);text-decoration:none;white-space:nowrap;font-size:.93rem;min-height:40px}
.dd a:hover{background:rgba(85,107,47,.09)}
.nav-gap{flex:1}
.btn-apply{background:var(--ink);color:#fff;border-radius:999px;padding:.6rem 1.3rem;min-height:44px;font-weight:600;text-decoration:none;font-size:.92rem;display:inline-flex;align-items:center;white-space:nowrap}
.btn-apply:hover{background:var(--ink-deep);color:#fff}
.burger{display:none;margin-left:auto;width:44px;height:44px;border-radius:10px;border:1px solid var(--line);background:var(--card);cursor:pointer}
.burger span{display:block;width:18px;height:2px;background:var(--text);margin:4px auto;border-radius:2px}
@media (max-width:1060px){.menu>li>a,.menu>li>button{padding:0 .5rem;font-size:.88rem}.nav{gap:.8rem}}
@media (max-width:960px){
  .nav{flex-wrap:wrap;height:auto;min-height:68px;padding:.55rem var(--pad)}
  .burger{display:block}
  .menu-wrap{display:none;width:100%;padding:.4rem 0 .8rem}
  .nav.menu-open{background:var(--panel);border-color:var(--line);box-shadow:var(--shadow)}
  .nav.menu-open .menu-wrap{display:block}
  .menu{flex-direction:column;align-items:stretch;background:transparent}
  .menu>li>a,.menu>li>button{width:100%;justify-content:space-between;min-height:44px}
  .dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;width:auto;max-width:none;padding:0 0 0 .8rem;background:transparent}
  .dd::before{display:none}
  .has-dd.open>.dd{display:block}
  .has-dd:hover>.dd{display:none}.has-dd.open:hover>.dd{display:block}
  .menu-wrap .btn-apply{margin-top:.6rem;justify-content:center;width:100%}
  .nav-gap{display:none}
  .btn-apply{order:1;margin-left:auto}
  .burger{order:2;margin-left:0}
  .menu-wrap{order:3}
}
@media (max-width:520px){
  .nav>.btn-apply{display:none}
  .nav.menu-open>.btn-apply{display:flex;order:4;width:100%;justify-content:center;margin:0 0 .8rem}
  .burger{margin-left:auto}
}

/* ---------- FULL-BLEED HERO / HEADER CARD ---------- */
.hero{position:relative;overflow:hidden;padding:0;max-width:var(--maxw);margin:0 auto var(--gut)}
.hero>.hero-img{width:100%;height:auto;aspect-ratio:16/9}
.hero-text{position:relative;z-index:1;padding:calc(78px + 1.2rem) var(--pad) var(--pad);max-width:none}
.hero-text>*+*{margin-top:1rem}
.hero .lead{font-size:1.06rem;color:#2c3024;max-width:46ch}
.crumbs{display:flex;flex-wrap:wrap;gap:.35rem;font-size:.82rem;color:#2c3024;list-style:none;margin:0;padding:0}
.crumbs li+li::before{content:"/";margin-right:.35rem;color:#5c6252}
.crumbs a{color:#2c3024}
.byline{font-size:.88rem;color:#2c3024}
.trust{display:flex;align-items:center;gap:.7rem;flex-wrap:wrap;font-size:.9rem;color:#2c3024}
.avatars{display:flex}
.avatars img{width:40px;height:40px;border-radius:50%;border:2px solid #fff;object-fit:cover}
.avatars img+img{margin-left:-10px}
.chips{display:flex;flex-wrap:nowrap;overflow-x:auto;gap:.35rem;list-style:none;margin:0;padding:0;scrollbar-width:none}
.chips::-webkit-scrollbar{display:none}
.chips li{flex:0 0 auto}
.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;color:var(--text);text-decoration:none;white-space:nowrap}
.chips a:hover{border-color:var(--ink)}
.chips-label{font-size:.72rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:#2c3024}
/* stacked (default / narrow) */
.hero{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);display:flex;flex-direction:column}
.hero>.hero-img{order:2;max-width:720px;width:calc(100% - 2*var(--pad));margin:0 auto var(--pad);border-radius:var(--r-in)}
.hero>.hero-text{order:1}
.hero::after{content:none}
@media (min-width:1100px){
  .hero{display:block;aspect-ratio:16/9}
  .hero>.hero-img{position:absolute;inset:0;width:100%;height:100%;max-width:none;margin:0;border-radius:0;object-fit:cover;z-index:0}
  .hero::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;
    background:linear-gradient(90deg,rgba(245,246,242,.84) 0,rgba(245,246,242,.78) calc(var(--pad) + 300px),rgba(245,246,242,.7) calc(var(--pad) + 480px),rgba(245,246,242,0) max(56%,calc(var(--pad) + 560px)))}
  .hero-text{position:absolute;inset:0;z-index:1;max-width:calc(var(--pad) + 520px);padding-top:calc(78px + 1rem);display:flex;flex-direction:column;justify-content:center}
  .hero-text.home{max-width:calc(var(--pad) + 500px)}
  .hero-text.home h1{font-size:clamp(2.2rem,3.3vw,2.8rem)}
  .hero-text:not(.home){padding-top:calc(78px + .4rem);padding-bottom:1.6rem}
  .hero-text:not(.home)>*+*{margin-top:.7rem}
  .hero-text:not(.home) h1{font-size:clamp(1.85rem,2.4vw,2.3rem)}
  .hero-text:not(.home) .lead{font-size:.98rem;line-height:1.55;max-width:none}
  .hero-text .lead,.hero-text .byline,.hero-text .crumbs li{color:var(--text)}
  .chips{display:block;text-wrap:balance;font-size:0;line-height:0;max-width:600px;margin-left:-.175rem;margin-right:-.175rem;overflow:visible}
  .chips li{display:inline-block;margin:.175rem}
  .hero-text nav[aria-label="On this page"]{width:600px;max-width:none}
}
.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--line);border-radius:var(--r);overflow:hidden;max-width:var(--maxw);margin:0 auto var(--gut);border:1px solid var(--line);box-shadow:var(--shadow)}
.stats div{background:var(--panel);padding:1.1rem 1.2rem}
.stats b{display:block;font-size:1.35rem;font-weight:600;color:var(--ink-deep);font-variant-numeric:tabular-nums}
.stats span{font-size:.85rem;color:var(--muted)}
@media (max-width:700px){.stats{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* ---------- FORM CARD ---------- */
.form-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:none;max-width:var(--maxw);margin:0 auto var(--gut);padding:var(--pad);position:relative;overflow:hidden}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--accent)}
.form-card h2{font-size:clamp(1.4rem,2.4vw,1.8rem)}
.form-card .trustline{color:var(--muted);margin-top:.4rem;font-size:.95rem}
.form-embed{position:relative;z-index:1;isolation:isolate;margin-top:1.2rem}
@media (max-width:600px){.form-card{border-radius:12px;padding:1.2rem}}

/* ---------- SECTION CARDS (inner pages) ---------- */
.sec{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,660px);gap:2.4rem;align-items:start}
.sec-head{position:sticky;top:96px}
.sec-num{display:block;font-size:.8rem;font-weight:600;letter-spacing:.14em;color:var(--accent-ink);margin-bottom:.6rem;font-variant-numeric:tabular-nums}
.sec-body>*+*{margin-top:1rem}
.sec-body p,.sec-body li{color:#3a3f31;overflow-wrap:break-word}
.sec-body .answer{color:var(--text);font-size:1.05rem}
.sec-body h3{margin-top:1.6rem}
.sec-body ul,.sec-body ol{padding-left:1.2rem}
.sec-body li+li{margin-top:.4rem}
.sec.full{grid-template-columns:minmax(0,1fr);gap:1.4rem}
.sec.full .sec-head{position:static;max-width:760px}
.sec.full .sec-body{max-width:none}
.sec.full .sec-body>p,.sec.full .sec-body>ul,.sec.full .sec-body>ol,.sec.full .sec-body>h3{max-width:760px}
@media (max-width:1020px){.sec{grid-template-columns:minmax(0,1fr);gap:1.2rem}.sec-head{position:static}}
.callout{border-left:3px solid var(--accent);background:var(--card);border-radius:0 var(--r-in) var(--r-in) 0;padding:.9rem 1.1rem;color:var(--text)!important}
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-in);background:var(--card)}
table{width:100%;border-collapse:collapse;font-size:.93rem;font-variant-numeric:tabular-nums}
caption{text-align:left;padding:.8rem 1rem;font-weight:600;color:var(--text);caption-side:top}
th,td{text-align:left;padding:.7rem 1rem;border-top:1px solid var(--line);vertical-align:top}
th{background:var(--ink-soft);font-weight:600;color:var(--text)}
.split{float:right;width:min(42%,300px);margin:0 0 1rem 1.6rem!important}
.split img{width:100%;height:auto;aspect-ratio:3/4;border-radius:var(--r-in);object-fit:cover}
@media (max-width:700px){.split{float:none;width:100%;max-width:420px;margin:0 auto 1rem!important}}
.clear{clear:both}
/* tiers (M2 style) */
.tiers{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.tier{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);box-shadow:var(--shadow);padding:1.3rem;display:flex;flex-direction:column;gap:.55rem;position:relative}
.tier .amt{font-size:1.45rem;font-weight:600;color:var(--ink-deep);font-variant-numeric:tabular-nums}
.tier .term{font-weight:600;font-size:.92rem}
.tier .pay{font-size:.88rem;color:var(--muted)}
.tier p{font-size:.92rem;color:#3a3f31}
.tier .bar{height:6px;background:var(--ink-soft);border-radius:6px;overflow:hidden;margin-top:.5rem}
.tier .bar i{display:block;height:100%;background:var(--accent);border-radius:6px}
.badge{position:absolute;top:-11px;right:14px;background:var(--accent-ink);color:#fff;font-size:.72rem;font-weight:600;padding:.2rem .6rem;border-radius:999px;letter-spacing:.04em}
@media (max-width:1020px){.tiers{grid-template-columns:minmax(0,1fr)}}
.cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.cards.c3{grid-template-columns:repeat(3,minmax(0,1fr))}
.tile{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);box-shadow:var(--shadow);padding:1.2rem 1.25rem;display:flex;flex-direction:column;gap:.45rem;position:relative}
.tile h3{font-size:1.05rem}
.tile p{font-size:.93rem;color:#3a3f31}
.tile a.stretch{position:absolute;inset:0;border-radius:inherit}
.tile a.stretch span{position:absolute;left:-9999px}
@media (max-width:760px){.cards,.cards.c3{grid-template-columns:minmax(0,1fr)}}
.steps{list-style:none;margin:0;padding:0;counter-reset:st;display:grid;gap:12px}
.steps li{counter-increment:st;display:grid;grid-template-columns:42px minmax(0,1fr);gap:.9rem;background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:1rem 1.1rem;margin:0!important}
.steps li::before{content:counter(st);width:36px;height:36px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-weight:600}
.steps h3{font-size:1.02rem;margin:0 0 .25rem!important}
.qa{display:grid;gap:12px}
.qa div{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:1rem 1.15rem}
.qa h3{font-size:1.02rem;margin:0 0 .35rem!important}
.terms{display:grid;gap:10px;margin:0}
.terms div{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:.95rem 1.1rem;scroll-margin-top:100px}
.terms dt{font-weight:600;margin-bottom:.25rem}
.terms dd{margin:0;color:#3a3f31}
.lenders{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.lender{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);box-shadow:var(--shadow);padding:1.2rem 1.25rem;display:flex;flex-direction:column;gap:.6rem}
.lender h3{font-size:1.1rem}
.lender dl{display:grid;grid-template-columns:auto minmax(0,1fr);gap:.25rem .9rem;margin:0;font-size:.88rem}
.lender dt{color:var(--muted)}
.lender dd{margin:0;font-variant-numeric:tabular-nums}
.lender p{font-size:.92rem;color:#3a3f31}
.lender .pros{font-size:.88rem}
@media (max-width:1099px){.lenders{grid-template-columns:minmax(0,1fr)}}
/* mini FAQ, related, explore, author */
.faq-list{display:grid;gap:12px}
.faq-list>div{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:1.05rem 1.2rem}
.faq-list h3{font-size:1.05rem;margin-bottom:.4rem}
.faq-list p{color:#3a3f31}
.pair{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--gut);max-width:var(--maxw);margin:0 auto var(--gut);align-items:stretch}
.pair>.card{margin:0;display:flex;flex-direction:column}
@media (max-width:860px){.pair{grid-template-columns:minmax(0,1fr)}}
.linklist{list-style:none;margin:1rem 0 0;padding:0;display:grid;gap:.5rem}
.linklist a{font-weight:600}
.linklist span{display:block;font-size:.88rem;color:var(--muted)}
.author{display:flex;gap:1rem;align-items:flex-start;margin-top:1rem}
.initials{flex:0 0 auto;width:52px;height:52px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-weight:600;letter-spacing:.04em}
.author p{font-size:.93rem;color:#3a3f31}
.author b{display:block;color:var(--text)}
.share{display:flex;gap:.5rem;flex-wrap:wrap;margin-top:1rem}
.author-wrap{border-top:1px solid var(--line);margin-top:1.4rem;padding-top:1.2rem}
.author-wrap h3{font-size:1rem}

.smap{columns:3 260px;column-gap:2rem;margin-top:1.2rem}
.smap>div{break-inside:avoid;margin-bottom:1.4rem}
.smap h3{font-size:1rem}
.share a{display:inline-flex;align-items:center;min-height:40px;padding:.4rem .8rem;border:1px solid var(--line);border-radius:999px;font-size:.85rem;text-decoration:none;color:var(--text);background:var(--card)}
.chiplist{display:flex;flex-wrap:wrap;gap:.45rem;list-style:none;margin:.7rem 0 0;padding:0}
.chiplist a{display:inline-flex;align-items:center;min-height:38px;padding:.35rem .85rem;border-radius:999px;background:var(--card);border:1px solid var(--line);color:var(--text);text-decoration:none;font-size:.9rem}
.chiplist a:hover{border-color:var(--ink)}
.explore h3{margin-top:1.2rem;font-size:1rem}
.related-posts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:1rem}
@media (max-width:760px){.related-posts{grid-template-columns:minmax(0,1fr)}}
.post-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);box-shadow:var(--shadow);overflow:hidden;display:flex;flex-direction:column;position:relative}
.post-card img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.post-card .pc{padding:1.05rem 1.15rem 1.2rem;display:flex;flex-direction:column;gap:.45rem;flex:1}
.post-card h3{font-size:1.05rem}
.post-card p{font-size:.9rem;color:#3a3f31}
.post-card .more{margin-top:auto;font-weight:600;font-size:.9rem;color:var(--ink-deep)}
.post-card .cat{font-size:.72rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-ink)}
.post-card a.stretch{position:absolute;inset:0}
.post-card a.stretch span{position:absolute;left:-9999px}
.post-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
@media (max-width:1020px){.post-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.post-grid{grid-template-columns:minmax(0,1fr)}}
/* CTA band */
.cta-band{background:var(--ink);color:#fff;border-color:var(--ink);display:grid;grid-template-columns:minmax(0,1fr) auto;gap:1.5rem;align-items:center}
.cta-band h2{color:#fff}
.cta-band p{color:#E9EDE0;margin-top:.5rem}
.cta-band .eyebrow{color:#F6C9A7}
.cta-band .btn{background:#fff;color:var(--ink-deep)}
.cta-band .btn:hover{background:var(--ink-soft)}
@media (max-width:760px){.cta-band{grid-template-columns:minmax(0,1fr)}}
/* footer */
.footer{background:var(--panel);border:1px solid var(--line);border-radius:var(--r) var(--r) 0 0;max-width:var(--maxw);margin:0 auto;padding:var(--pad);padding-bottom:calc(var(--pad) + env(safe-area-inset-bottom,0px))}
.f-grid{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(3,minmax(0,1fr));gap:2rem}
.f-grid p.h{font-weight:600;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--text);margin-bottom:.7rem}
.f-grid ul{list-style:none;margin:0;padding:0;display:grid;gap:.15rem}
.f-grid ul a{color:var(--muted);text-decoration:none;font-size:.92rem;display:inline-flex;min-height:32px;align-items:center}
.f-grid ul a:hover{color:var(--ink-deep);text-decoration:underline}
.f-about p{font-size:.92rem;color:var(--muted);margin-top:.8rem}
.nap{font-style:normal;font-size:.92rem;color:var(--muted);margin-top:.8rem;line-height:1.7}
.nap a{color:var(--muted)}
.f-legal{border-top:1px solid var(--line);margin-top:2rem;padding-top:1.4rem;font-size:.82rem;color:var(--muted);display:grid;gap:.6rem}
@media (max-width:900px){.f-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.f-about{grid-column:1/-1}}
@media (max-width:520px){.f-grid{grid-template-columns:minmax(0,1fr)}}
/* scroll to top + sticky bar */
.totop{position:fixed;right:calc(1.4rem + env(safe-area-inset-right,0px));bottom:calc(1.4rem + env(safe-area-inset-bottom,0px) + 1.2rem);width:56px;height:56px;border-radius:50%;background:var(--card);border:0;box-shadow:0 8px 24px -10px rgba(0,0,0,.35);cursor:pointer;z-index:2147482000;opacity:0;transform:translateY(12px) scale(.9);transition:opacity .25s,transform .25s,box-shadow .2s;pointer-events:none;padding:0}
.totop.show{opacity:1;transform:none;pointer-events:auto}
.totop:hover{box-shadow:0 10px 28px -8px rgba(0,0,0,.45),0 0 0 6px rgba(85,107,47,.12)}
.totop svg.ring{position:absolute;inset:0;transform:rotate(-90deg)}
.totop .trk{fill:none;stroke:var(--line);stroke-width:3}
.totop .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}
.totop .arr{position:absolute;left:50%;top:50%;width:18px;height:18px;transform:translate(-50%,-50%);stroke:var(--ink-deep)}
.totop .pct{position:absolute;bottom:-1.4rem;left:50%;transform:translateX(-50%);font-size:.62rem;font-weight:600;letter-spacing:.08em;color:var(--muted);font-variant-numeric:tabular-nums}
.mbar{display:none}
@media (max-width:600px){
  .totop{display:none}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:2147481000;align-items:center;justify-content:space-between;gap:.8rem;background:var(--panel);border-top:1px solid var(--line);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));transform:translateY(110%);transition:transform .25s;box-shadow:0 -8px 20px -14px rgba(0,0,0,.3)}
  .mbar.show{transform:none}
  .mbar span{font-size:.85rem;font-weight:600}
  body{padding-bottom:76px}
}
@media (max-width:600px){body{padding-left:12px;padding-right:12px}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* ---------- HOME BLOCKS ---------- */
.blk-head{max-width:720px}
.blk-head>*+*{margin-top:.8rem}
.blk-head p{color:#3a3f31}
.intro2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2.4rem}
.intro2 h2{font-size:clamp(1.4rem,2.2vw,1.75rem);margin-bottom:.8rem}
.intro2 p{color:#3a3f31}
.feat4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-top:2rem}
.feat4 .tile svg,.grid6 .tile svg{width:26px;height:26px;stroke:var(--ink);fill:none;stroke-width:1.5}
.feat4 .tile{min-width:0}
@media (max-width:1099px){.feat4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:1020px){.intro2{grid-template-columns:minmax(0,1fr);gap:1.6rem}}
@media (max-width:620px){.feat4{grid-template-columns:minmax(0,1fr)}}
.band{background:#20261A;border-color:#20261A;color:#fff;overflow:hidden;min-height:460px;display:flex;flex-direction:column;justify-content:center}
.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,#20261A 0,#20261A 40%,rgba(32,38,26,.55) 50%,rgba(32,38,26,0) 60%)}
.band>:not(img){position:relative;z-index:1;max-width:min(44%,520px)}
.band .eyebrow{color:#F6C9A7}
.band h2{font-family:var(--serif);font-weight:500;font-size:clamp(1.9rem,3.2vw,2.6rem);color:#fff;letter-spacing:-.01em}
.band ul{list-style:none;margin:1.2rem 0 0;padding:0;display:grid;gap:.75rem}
.band li{display:grid;grid-template-columns:28px minmax(0,1fr);gap:.7rem;color:#E4E8DA;font-size:.9rem;line-height:1.5}
.band li b{color:#fff;display:block}
.band li svg{width:24px;height:24px;stroke:#F6C9A7;fill:none;stroke-width:1.5;margin-top:2px}
.wordmark{margin-top:1.3rem}
.wordmark b{display:block;font-size:clamp(1.6rem,3vw,2.3rem);letter-spacing:.06em;text-transform:uppercase;font-weight:600;color:#fff;line-height:1.1}
.wordmark span{color:var(--accent);font-weight:600;font-size:.95rem}
@media (max-width:1020px){.band{min-height:0}.band>img{position:static;width:100%;height:auto;max-width:720px;border-radius:var(--r-in);margin-top:1.6rem;order:9}.band::after{display:none}.band>:not(img){max-width:none}}
.grid6{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:1.8rem}
.grid6 .tile.dark{background:var(--ink);border-color:var(--ink)}
.grid6 .tile.dark h3,.grid6 .tile.dark p{color:#fff}
.grid6 .tile.dark svg{stroke:#F6C9A7}
@media (max-width:1020px){.grid6{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.grid6{grid-template-columns:minmax(0,1fr)}}
.m3{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:2.4rem;align-items:center}
.ringwrap{display:grid;place-items:center}
.ringwrap svg{width:min(100%,300px);height:auto}
.ringwrap .rt{font-size:15px;font-weight:600;fill:var(--text)}
.ringwrap .rs{font-size:11px;fill:var(--muted)}
.m3 .steps{margin-top:1.4rem}
.steps .time{display:inline-block;font-size:.75rem;font-weight:600;color:var(--accent-ink);margin-left:.4rem}
@media (max-width:1020px){.m3{grid-template-columns:minmax(0,1fr)}.ringwrap{display:none}}
.catlist{list-style:none;margin:1.6rem 0 0;padding:0;display:grid;gap:10px}
.catlist li{position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:1rem 1.2rem;display:grid;grid-template-columns:minmax(0,220px) minmax(0,1fr) auto;gap:1.2rem;align-items:center}
.catlist h3{font-size:1.05rem}
.catlist p{font-size:.93rem;color:#3a3f31}
.catlist .tag{font-size:.75rem;font-weight:600;color:var(--ink-deep);background:var(--ink-soft);padding:.25rem .6rem;border-radius:999px;white-space:nowrap}
.catlist a.stretch{position:absolute;inset:0;border-radius:inherit}
.catlist a.stretch span{position:absolute;left:-9999px}
@media (max-width:760px){.catlist li{grid-template-columns:minmax(0,1fr);gap:.4rem}}
/* M6 eligibility + estimator */
.m6{display:grid;grid-template-columns:minmax(0,1fr);gap:var(--gut);max-width:var(--maxw);margin:0 auto var(--gut)}
.m6>.card{margin:0}
.rimg{overflow:hidden}
.rimg>img.bg{position:absolute;top:0;right:0;height:100%;width:auto;max-width:none;aspect-ratio:16/9;z-index:0}
.rimg::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 570px),rgba(245,246,242,.35) calc(var(--pad) + 720px),rgba(245,246,242,.2) 100%)}
.rimg>:not(img){position:relative;z-index:1}
.elig{min-height:440px;display:flex;flex-direction:column}
.elig .txt{max-width:560px;display:flex;flex-direction:column;gap:.9rem;flex:1}
.elig .txt>p{color:#3a3f31}
.check{list-style:none;margin:.4rem 0 0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.55rem 1rem}
.check label{display:flex;align-items:center;gap:.55rem;cursor:pointer;font-size:.93rem;white-space:nowrap;min-height:32px}
.check input{width:18px;height:18px;accent-color:var(--ink)}
.count{font-size:.85rem;font-weight:600;color:var(--ink-deep)}
.elig .txt>a{margin-top:auto}
.est{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:2rem}
.est .txt{max-width:460px;display:flex;flex-direction:column;gap:.9rem}
.est .txt>p{color:#3a3f31}
.facts{list-style:none;margin:.3rem 0 0;padding:0;display:grid;gap:.7rem}
.facts li{display:grid;grid-template-columns:28px minmax(0,1fr);gap:.7rem;font-size:.93rem}
.facts svg{width:22px;height:22px;stroke:var(--ink);fill:none;stroke-width:1.5}
.facts b{display:block}
.est .txt>a{margin-top:auto}
.calc{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);box-shadow:var(--shadow);padding:1.4rem;display:grid;gap:1rem;align-content:start}
.calc label{font-size:.85rem;font-weight:600;display:flex;justify-content:space-between;gap:1rem}
.calc output{font-variant-numeric:tabular-nums;color:var(--ink-deep)}
.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:.5rem .7rem;font:inherit;background:var(--card);color:var(--text)}
.calc .res{background:var(--ink-soft);border-radius:8px;padding:1rem;display:grid;gap:.25rem}
.calc .res b{font-size:1.7rem;color:var(--ink-deep);font-variant-numeric:tabular-nums;font-weight:600}
.calc .res span{font-size:.85rem;color:var(--muted)}
.calc .row2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem}
@media (max-width:1240px){.est{grid-template-columns:minmax(0,1fr)}.est .txt{max-width:none}.est>img.bg{display:none!important}.est::after{display:none}}
@media (max-width:1020px){
  .rimg>img.bg{position:static;width:100%;height:auto;aspect-ratio:16/9;border-radius:var(--r-in);margin-top:1.4rem}
  .rimg::after{display:none}
  .elig{min-height:0}.elig .txt{max-width:none}
  .est{grid-template-columns:minmax(0,1fr)}.est .txt{max-width:none}
  .est>img.bg{display:none}
}
@media (max-width:700px){.check{grid-template-columns:minmax(0,1fr)}}
/* M7 */
.m7{display:grid;grid-template-columns:minmax(0,1fr);gap:var(--gut);max-width:var(--maxw);margin:0 auto var(--gut)}
.m7>.card{margin:0}
.dots{letter-spacing:.12em;color:var(--ink);white-space:nowrap}
.dots i{font-style:normal;color:var(--line)}
/* M4 */
.m4{display:grid;grid-template-columns:minmax(0,380px) minmax(0,1fr);gap:1.6rem;align-items:stretch;margin-top:1.8rem}
.tabs{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
.tabs li{flex:1 1 0;display:flex}
.tabs a{flex:1;display:flex;flex-direction:column;justify-content:center;gap:.15rem;padding:.7rem 1rem;border-radius:var(--r-in);background:var(--card);border:1px solid var(--line);text-decoration:none;color:var(--text)}
.tabs a b{font-weight:600;white-space:nowrap}
.tabs a span{font-size:.82rem;color:var(--muted);white-space:nowrap}
.tabs a[aria-selected=true]{border-color:var(--ink);box-shadow:inset 3px 0 0 var(--ink)}
.panels{display:flex;flex-direction:column}
.panel{flex:1;background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);box-shadow:var(--shadow);padding:1.6rem;display:flex;flex-direction:column;gap:1rem}
.panel[hidden]{display:none}
.panel .big{font-size:clamp(2.2rem,4vw,3rem);font-weight:600;color:var(--ink-deep);font-variant-numeric:tabular-nums;line-height:1}
.pgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem}
.pgrid div{background:var(--ink-soft);border-radius:8px;padding:.8rem 1rem}
.pgrid b{display:block;font-size:1.15rem;font-variant-numeric:tabular-nums}
.pgrid span{font-size:.8rem;color:var(--muted)}
.panel p{color:#3a3f31}
.panel .btn-row{margin-top:auto}
@media (max-width:860px){.m4{grid-template-columns:minmax(0,1fr)}}
/* T1 */
.t1{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,400px);gap:1.6rem;margin-top:1.8rem;align-items:stretch}
.t1 .left{display:flex;flex-direction:column;gap:14px}
.factors{flex:1;background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:1.2rem 1.3rem}
.factors h3{font-size:1rem;margin-bottom:.8rem}
.f4{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.9rem 1.4rem}
.f4 b{display:block;font-size:.93rem}
.f4 span{font-size:.88rem;color:#3a3f31}
.darkcard{background:var(--ink);color:#fff;border-radius:var(--r-in);padding:1.5rem;display:flex;flex-direction:column;gap:.9rem}
.darkcard h3{color:#fff}
.darkcard p{color:#E9EDE0;font-size:.93rem}
.darkcard dl{display:grid;grid-template-columns:minmax(0,1fr) auto;margin:0;gap:0}
.darkcard dt,.darkcard dd{padding:.45rem 0;border-top:1px solid rgba(255,255,255,.18);margin:0;font-size:.93rem;font-variant-numeric:tabular-nums}
.darkcard dd{text-align:right;font-weight:600}
.darkcard a{color:#fff;margin-top:auto;font-weight:600}
@media (max-width:1240px){.t1{grid-template-columns:minmax(0,1fr)}}
@media (max-width:700px){.f4{grid-template-columns:minmax(0,1fr)}}
.cols3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.6rem;margin-top:1.6rem}
.cols3 h3{margin-bottom:.5rem;font-size:1.05rem}
.cols3 p{color:#3a3f31;font-size:.95rem}
@media (max-width:860px){.cols3{grid-template-columns:minmax(0,1fr)}}
.cols2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2rem}
.cols2 ul{margin:.8rem 0 0;padding-left:1.1rem;color:#3a3f31}
.cols2 li+li{margin-top:.35rem}
@media (max-width:760px){.cols2{grid-template-columns:minmax(0,1fr)}}
.nap-card{min-height:420px;display:flex;flex-direction:column;justify-content:center}
.nap-card .txt{max-width:520px;display:flex;flex-direction:column;gap:1rem}
.nap-card .txt>p{color:#3a3f31}
.napbox{background:var(--ink);color:#fff;border-radius:var(--r-in);padding:1.3rem 1.4rem;display:grid;gap:.35rem;font-style:normal}
.napbox b{font-size:1.05rem}
.napbox a{color:#fff}
.napbox span{color:#E9EDE0;font-size:.92rem}
.reviewed{font-size:.85rem;color:var(--muted)}
.t6{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,36%);gap:2rem;align-items:stretch}
.t6 .txt{display:flex;flex-direction:column;gap:1rem}
.acc{display:grid;gap:10px}
.acc details{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:0 1.1rem}
.acc summary{cursor:pointer;min-height:52px;display:flex;align-items:center;font-weight:600;list-style:none;gap:.8rem;justify-content:space-between}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"+";font-size:1.3rem;color:var(--ink)}
.acc details[open] summary::after{content:"–"}
.acc details p{padding:0 0 1rem;color:#3a3f31}
.t6 .faqimg{position:relative}
.t6 .faqimg img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;border-radius:var(--r-in)}
@media (max-width:1020px){.t6{grid-template-columns:minmax(0,1fr)}.t6 .faqimg img{position:static;inset:auto;width:100%;max-width:420px;height:auto;aspect-ratio:3/5;margin:0 auto}}

/* Review / rating */
.stars{display:inline-flex;gap:2px;vertical-align:middle}.stars svg{width:15px;height:15px}
.big{font-size:2rem;font-weight:500;letter-spacing:-.02em;color:var(--ink);line-height:1.1;font-variant-numeric:tabular-nums}
.sumbar{display:flex;flex-wrap:wrap;align-items:center;gap:1rem 1.6rem}.sumbar p{margin:0}
.sum-score{display:flex;align-items:center;gap:.7rem}.sum-score .big{font-size:2.6rem}.sum-score .stars svg{width:22px;height:22px}
.rv-h{display:flex;gap:.7rem;align-items:center}.initials.sm{width:40px;height:40px;font-size:.85rem}.rv-n{font-weight:600;color:var(--text)!important;margin:0}.rv-c{font-size:.82rem;margin:0}.rv-t{font-size:.8rem;font-weight:600;color:var(--ink)!important;margin-top:auto!important}