/* ===== todaycashapply.com — Design v2 (quiet editorial fintech) ===== */
@font-face{font-family:"DM Sans";src:url(fonts/dm-sans-400.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"DM Sans";src:url(fonts/dm-sans-500.woff2) format("woff2");font-weight:500;font-style:normal;font-display:swap}
@font-face{font-family:"DM Sans";src:url(fonts/dm-sans-600.woff2) format("woff2");font-weight:600;font-style:normal;font-display:swap}
@font-face{font-family:"Cormorant Garamond";src:url(fonts/cormorant-garamond-500-subset.woff2) format("woff2");font-weight:500;font-style:normal;font-display:swap}
:root{
  --ink:#1E4E8C;--ink-2:#163C6E;--accent:#D9702A;--accent-text:#B9561A;--accent-soft:#F2A468;
  --bg:#EEF2F6;--panel:#F8FAFC;--card:#FFFFFF;--text:#13202F;--muted:#4B5868;--line:#D8E0EA;
  --hero-text:#172534;--hero-muted:#1C2836;--hero-kicker:#163C6E;
  --r:18px;--r-in:12px;--gap:22px;--max:1200px;--gut:clamp(12px,2.2vw,22px);--pad:clamp(1.4rem,4vw,2.9rem);
  --edge:0 1px 2px rgba(19,32,47,.05),0 10px 26px -18px rgba(19,32,47,.28);
  --sans:"DM Sans",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --serif:"Cormorant Garamond",Georgia,"Times New Roman",serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:96px}
body{margin:0;background:var(--bg);color:var(--text);font:400 16px/1.6 var(--sans)}
img{max-width:100%;display:block}
a{color:var(--ink)}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:6px}
h1,h2,h3{text-wrap:balance;color:var(--text);margin:0}
h1{font-size:clamp(2.1rem,3.6vw,3.15rem);font-weight:500;letter-spacing:-.03em;line-height:1.08}
h2{font-size:clamp(1.6rem,2.7vw,2.15rem);font-weight:500;letter-spacing:-.02em;line-height:1.15}
h3{font-size:1.12rem;font-weight:600;letter-spacing:-.01em;line-height:1.3}
p{margin:0}
.skip{position:absolute;left:-9999px;top:8px;background:var(--card);padding:.6rem 1rem;border-radius:8px;z-index:2147483001}
.skip:focus{left:12px}
.wrap{width:100%;max-width:calc(var(--max) + 2*var(--gut));margin:0 auto;padding-inline:var(--gut)}
.eyebrow{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink);margin:0 0 .7rem}
.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--edge)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:46px;padding:.7rem 1.25rem;border-radius:10px;font:600 .95rem/1 var(--sans);text-decoration:none;cursor:pointer;border:1px solid transparent;transition:background .15s,border-color .15s}
.btn-primary{background:var(--ink);color:#fff}
.btn-primary:hover{background:var(--ink-2)}
.btn-ghost{background:var(--card);color:var(--text);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--ink)}
.btn-white{background:#fff;color:var(--ink)}

/* ---- nav (z-index fix for third-party form widgets) ---- */
.nav-shell{position:sticky;top:10px;z-index:2147483000;isolation:isolate;margin-bottom:-78px;pointer-events:none}
.nav{pointer-events:auto;display:flex;align-items:center;gap:1.4rem;height:68px;padding-inline:var(--pad);border:1px solid transparent;border-radius:var(--r);transition:background .2s,box-shadow .2s,border-color .2s}
@media (min-width:861px){.nav:not(.scrolled) .nav-menu{background:rgba(248,250,252,.78);border-radius:999px;padding:0 .35rem}}
.nav.scrolled{background:var(--panel);border-color:var(--line);box-shadow:var(--edge)}
.logo{display:inline-flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--text);font-weight:600;font-size:.86rem;letter-spacing:.14em;text-transform:uppercase;white-space:nowrap}
.logo img{width:34px;height:34px}
.nav-menu{display:flex;align-items:center;gap:.2rem;list-style:none;margin:0;padding:0}
.nav-menu>li{position:relative}
.nav-menu>li>a,.nav-menu>li>button{display:inline-flex;align-items:center;gap:.3rem;min-height:44px;padding:.5rem .75rem;border:0;background:none;font:500 .95rem/1 var(--sans);color:var(--text);text-decoration:none;cursor:pointer;border-radius:8px}
.nav-menu>li>a:hover,.nav-menu>li>button:hover{color:var(--ink)}
.caret{width:10px;height:10px;transition:transform .15s}
.dd{position:absolute;top:100%;left:0;margin:0;list-style:none;padding:.45rem;background:var(--panel);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);box-shadow:var(--edge);width:max-content;max-width:calc(100vw - 32px);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:2}
.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}
.has-dd:hover .caret,.has-dd.open .caret{transform:rotate(180deg)}
.dd a{display:block;white-space:nowrap;padding:.6rem .8rem;border-radius:8px;color:var(--text);text-decoration:none;font-size:.95rem}
.dd a:hover,.dd a:focus-visible{background:var(--bg);color:var(--ink)}
.nav-cta{margin-left:auto;display:flex;align-items:center;gap:.5rem}
.btn-apply{background:var(--ink);color:#fff;border-radius:999px;min-height:44px;padding:.65rem 1.3rem;font-size:.92rem}
.btn-apply:hover{background:var(--ink-2)}
.menu-toggle{display:none;min-width:44px;min-height:44px;border:1px solid var(--line);border-radius:10px;background:var(--card);cursor:pointer;align-items:center;justify-content:center}

/* ---- hero / header card (full-bleed 16:9) ---- */
.hero{position:relative;overflow:hidden;border-radius:var(--r);background:var(--panel);border:1px solid var(--line);box-shadow:var(--edge)}
.hero-text{position:relative;z-index:1;padding:calc(68px + 1.6rem) var(--pad) 2.2rem;max-width:calc(480px + 2*var(--pad))}
.hero .hero-img{display:block;width:100%;height:auto;aspect-ratio:16/9;border-radius:var(--r-in);max-width:720px;margin:0 var(--pad) var(--pad)}
.crumbs{display:flex;flex-wrap:wrap;gap:.35rem;list-style:none;margin:0 0 .9rem;padding:0;font-size:.84rem;color:var(--hero-muted)}
.crumbs li+li::before{content:"/";margin-right:.35rem;color:var(--hero-muted)}
.crumbs a{color:var(--hero-muted);text-decoration:none}
.crumbs a:hover{color:var(--ink);text-decoration:underline}
.hero h1{margin-bottom:.55rem}
.hero.inner h1{font-size:clamp(1.9rem,2.75vw,2.55rem)}
.updated{font-size:.84rem;color:var(--hero-muted);margin-bottom:.9rem}
.lead{font-size:1.06rem;color:var(--hero-muted);margin-bottom:1.2rem}
.hero .eyebrow{color:var(--hero-kicker)}
.hero-cta{display:flex;flex-wrap:wrap;gap:.6rem;align-items:center}
.trust{display:flex;align-items:center;gap:.8rem;margin-top:1.2rem;font-size:.9rem;color:var(--hero-muted)}
.avatars{display:flex;flex:0 0 auto}
.avatars img{width:38px;height:38px;border-radius:50%;border:2px solid #fff;object-fit:cover}
.avatars img+img{margin-left:-10px}
.stars{display:inline-flex;gap:2px;color:var(--accent);vertical-align:-2px}
.stars svg{width:15px;height:15px}
.hero .stars{color:#9C4613}
.chips{list-style:none;margin:0 0 1.2rem;padding:0;display:flex;flex-wrap:nowrap;gap:.35rem;overflow-x:auto;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;font-size:.8rem;font-weight:500;color:var(--text);background:var(--card);border:1px solid var(--line);border-radius:999px;text-decoration:none;white-space:nowrap}
.chips a:hover{border-color:var(--ink);color:var(--ink)}
/*@FULLBLEED@*/
@media (min-width:1170px){
  .hero.fb{aspect-ratio:16/9}
  .hero.fb .hero-img{position:absolute;inset:0;width:100%;height:100%;max-width:none;margin:0;border-radius:0;object-fit:cover;aspect-ratio:auto;z-index:0}
  .hero.fb::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:linear-gradient(90deg,rgba(248,250,252,.72) 0,rgba(248,250,252,.62) calc(var(--pad) + 300px),rgba(248,250,252,.55) calc(var(--pad) + 480px),rgba(248,250,252,0) max(56%,calc(var(--pad) + 560px)))}
  .hero.fb .hero-text{max-width:calc(480px + 2*var(--pad))}
  .hero.fb .chips{display:block;text-wrap:balance;font-size:0;line-height:0;max-width:600px;width:calc(100vw - 4*var(--gut));margin:0 -.175rem 1.2rem;overflow:visible}
  .hero.fb .chips li{display:inline-block;margin:.175rem}
  .hero.fb .chips a{font-size:.8rem;line-height:1}
}
/*END-CRITICAL*/

main{display:flex;flex-direction:column;gap:var(--gap);padding-top:10px}
.section{padding:var(--pad)}
.sec-head{max-width:720px;margin-bottom:1.6rem}
.sec-head p{color:var(--muted);margin-top:.6rem}
.answer{text-wrap:balance}
.muted{color:var(--muted)}
.inner{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);box-shadow:var(--edge)}
.grid{display:grid;gap:14px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.icard{position:relative;padding:1.3rem 1.3rem 1.2rem;display:flex;flex-direction:column;gap:.45rem}
.icard p{color:var(--muted);font-size:.95rem}
.icard a.cover{position:absolute;inset:0;border-radius:inherit}
.icard h3 a{color:inherit;text-decoration:none}
.icard:hover h3{color:var(--ink)}
.ico{width:38px;height:38px;border-radius:10px;display:grid;place-items:center;background:var(--bg);color:var(--ink);margin-bottom:.3rem}
.ico svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.dark{background:var(--ink);border-color:var(--ink);color:#fff}
.dark h3,.dark h2{color:#fff}
.dark p,.dark .muted{color:#D7E3F3}
.dark .ico{background:rgba(255,255,255,.12);color:#fff}
.more{font-weight:600;font-size:.92rem;text-decoration:none;margin-top:auto;padding-top:.4rem;position:relative;z-index:1}
.more:hover{text-decoration:underline}
.dark .more{color:#fff}

/* form card */
.form-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:none;position:relative;overflow:hidden;padding:2.2rem var(--pad) var(--pad)}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--accent)}
.form-card .sec-head{margin-inline:auto;text-align:center;margin-bottom:1.2rem}
.form-embed{position:relative;z-index:1;isolation:isolate;min-height:420px}

/* intro */
.intro-top{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2.4rem;margin-bottom:1.8rem}
.intro-top h2{font-size:clamp(1.35rem,2.2vw,1.7rem);margin-bottom:.6rem}
.intro-top p{color:var(--muted)}
.intro-top .more{display:inline-block;margin-top:.5rem}

/* dark band */
.band{position:relative;overflow:hidden;background:#0F1B2C;border-color:#0F1B2C;min-height:440px;display:flex;align-items:stretch}
.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,#0F1B2C 0,#0F1B2C calc(var(--pad) + 550px),rgba(15,27,44,.6) calc(var(--pad) + 630px),rgba(15,27,44,0) calc(var(--pad) + 700px))}
.band-body{position:relative;z-index:1;padding:var(--pad);max-width:calc(540px + 2*var(--pad));display:flex;flex-direction:column;gap:.85rem}
.band h2{font-family:var(--serif);font-weight:500;font-size:clamp(2.1rem,3.6vw,3rem);line-height:1.05;letter-spacing:-.01em;color:#fff}
.band p{color:#D2DCE8}
.values{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;margin-top:.4rem}
.values h3{color:#fff;font-size:.98rem;margin:.35rem 0 .2rem}
.values p{font-size:.84rem;line-height:1.45;color:#BFCBDA}
.values .ico{background:rgba(255,255,255,.1);color:var(--accent-soft)}
.wordmark{font-size:clamp(1.8rem,3.4vw,2.6rem);font-weight:600;letter-spacing:-.03em;color:#fff;line-height:1;margin-top:.6rem}
.wordsub{color:var(--accent-soft);font-weight:500}

/* tiers */
.tier{padding:1.4rem;display:flex;flex-direction:column;gap:.5rem;position:relative}
.tier>.tag{position:absolute;top:1rem;right:1rem}
.tier .amt{font-size:1.7rem;font-weight:500;letter-spacing:-.02em;color:var(--text)}
.tier .term{font-size:.9rem;color:var(--muted)}
.tag{display:inline-block;align-self:flex-start;font-size:.72rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;padding:.25rem .55rem;border-radius:999px;background:#FCEBDD;color:var(--accent-text)}
.bar{height:6px;border-radius:999px;background:var(--line);overflow:hidden;margin:.3rem 0}
.bar span{display:block;height:100%;background:var(--accent);border-radius:inherit}
.est{font-size:.8rem;color:var(--muted)}

/* steps */
.steps-wrap{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:2rem;align-items:center}
.ring{position:relative;width:min(300px,100%);aspect-ratio:1;margin-inline:auto}
.ring svg{width:100%;height:100%}
.ring .mid{position:absolute;inset:0;display:grid;place-items:center;text-align:center}
.ring .mid b{display:block;font-size:2.2rem;font-weight:500;color:var(--ink)}
.steplist{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.steplist li{display:grid;grid-template-columns:42px minmax(0,1fr) auto;gap:.9rem;align-items:start;padding:1rem 1.1rem}
.num{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:var(--bg);color:var(--ink);font-weight:600}
.time{font-size:.78rem;font-weight:600;color:var(--accent-text);background:#FCEBDD;border-radius:999px;padding:.25rem .6rem;white-space:nowrap}

/* M4 amount tabs */
.m4{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:14px;align-items:stretch}
.amt-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
.amt-list li{flex:1 1 0;display:flex}
.amt-list a{flex:1;display:flex;flex-direction:column;justify-content:center;gap:.15rem;padding:.75rem 1rem;border-radius:var(--r-in);border:1px solid var(--line);background:var(--card);text-decoration:none;color:var(--text)}
.amt-list a span{white-space:nowrap}
.amt-list a .l1{font-weight:600}
.amt-list a .l2{font-size:.84rem;color:var(--muted)}
.amt-list a[aria-current="true"]{border-color:var(--ink);box-shadow:inset 3px 0 0 var(--ink)}
.panels{display:flex;flex-direction:column}
.panel{flex:1;display:flex;flex-direction:column;gap:1rem;padding:1.6rem}
.panel[hidden]{display:none}
.panel .big{font-size:clamp(2.4rem,4.4vw,3.4rem);font-weight:500;letter-spacing:-.03em;line-height:1}
.facts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.fact{background:var(--bg);border-radius:10px;padding:.8rem .9rem}
.fact b{display:block;font-size:1.15rem;font-weight:600;font-variant-numeric:tabular-nums}
.fact span{font-size:.8rem;color:var(--muted)}
.panel .acts{display:flex;flex-wrap:wrap;gap:.8rem;align-items:center;margin-top:auto}

/* categories list */
.catrows{list-style:none;margin:0;padding:0;display:grid;gap:10px}

/* image side cards (M6, T5) */
.side-card{position:relative;overflow:hidden;min-height:440px;display:flex}
.side-card>img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}
.side-card::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(248,250,252,.35) calc(var(--pad) + 720px),rgba(248,250,252,.2) 100%)}
.side-card>:not(img){position:relative;z-index:1}
.side-body{padding:var(--pad);max-width:calc(560px + 2*var(--pad));display:flex;flex-direction:column;gap:.9rem}
.checks{list-style:none;margin:.3rem 0 0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 18px}
.checks label{display:flex;gap:.55rem;align-items:center;font-size:.94rem;white-space:nowrap;cursor:pointer;min-height:32px}
.checks input{width:18px;height:18px;accent-color:var(--ink)}
.count{font-size:.86rem;color:var(--muted)}
.count .bar{max-width:260px}
.est-card .side-body{max-width:none;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,440px);gap:2rem;align-items:stretch;width:100%}
.est-card::after{background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 470px),rgba(248,250,252,.35) calc(var(--pad) + 620px),rgba(248,250,252,.2) 100%)}
.est-copy{max-width:460px;display:flex;flex-direction:column;gap:.9rem}
.flist{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.flist li{display:flex;gap:.7rem;align-items:center}
.flist .ico{margin:0;flex:0 0 38px}
.flist b{display:block;font-size:.92rem}
.flist span{font-size:.88rem;color:var(--muted)}
.calc{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);box-shadow:var(--edge);padding:1.4rem;display:flex;flex-direction:column;gap:1rem}
.calc label{font-size:.85rem;font-weight:600;display:flex;justify-content:space-between}
.calc output{font-variant-numeric:tabular-nums}
.calc input[type=range]{width:100%;accent-color:var(--ink);min-height:32px}
.calc select,.calc input[type=number]{width:100%;min-height:44px;border:1px solid var(--line);border-radius:10px;padding:.5rem .7rem;font:inherit;background:var(--card);color:var(--text)}
.calc .res{background:var(--bg);border-radius:10px;padding:1rem}
.calc .res b{font-size:1.9rem;font-weight:500;font-variant-numeric:tabular-nums}
.calc .res small{display:block;color:var(--muted);font-size:.8rem}
.calc .row2{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}

/* reviews + compare */
.rsum{display:flex;flex-wrap:wrap;align-items:center;gap:1rem 1.4rem;padding:1.2rem 1.4rem;margin-bottom:14px}
.rsum .score{font-size:2.6rem;font-weight:500;letter-spacing:-.03em;line-height:1}
.rsum .stars svg{width:20px;height:20px}
.rslot{padding:1.2rem;display:flex;flex-direction:column;gap:.6rem;border-style:dashed;box-shadow:none;background:var(--panel)}
.rslot .init{width:38px;height:38px;border-radius:50%;background:var(--bg);border:1px dashed var(--line)}
.rslot p{font-size:.9rem;color:var(--muted)}
.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:.94rem;font-variant-numeric:tabular-nums}
caption{text-align:left;font-size:.84rem;color:var(--muted);padding:.8rem 1rem 0;caption-side:top}
th,td{text-align:left;padding:.75rem 1rem;border-bottom:1px solid var(--line);vertical-align:top}
thead th{font-size:.78rem;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:600;background:var(--panel)}
tbody tr:last-child td{border-bottom:0}
.dots{letter-spacing:.12em;color:var(--ink);white-space:nowrap}
.dots i{font-style:normal;color:var(--line)}

/* T1 */
.t1{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:14px;align-items:stretch}
.t1-left{display:flex;flex-direction:column;gap:14px}
.factors{flex:1;padding:1.2rem;display:grid;grid-template-columns:1fr 1fr;gap:1rem 1.4rem;align-content:start}
.factors h3{font-size:.95rem;margin-bottom:.2rem}
.factors p{font-size:.9rem;color:var(--muted)}
.rep{padding:1.6rem;display:flex;flex-direction:column;gap:.9rem}
.rep dl{margin:0;display:grid;grid-template-columns:1fr auto;gap:.5rem 1rem;font-variant-numeric:tabular-nums}
.rep dt{color:#D7E3F3;font-size:.9rem}
.rep dd{margin:0;font-weight:600;text-align:right}
.rep .big{font-size:2.5rem;font-weight:500;letter-spacing:-.03em;line-height:1}

/* T3/T4 */
.cols3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.8rem}
.cols3 p,.cols2 p{color:var(--muted);font-size:.96rem}
.cols3 h3,.cols2 h3{margin-bottom:.45rem}
.cols2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2.4rem}
.blist{margin:.8rem 0 0;padding-left:1.1rem;color:var(--muted);display:grid;gap:.35rem;font-size:.95rem}

/* T5 NAP */
.nap-card{display:grid;grid-template-columns:minmax(0,520px) minmax(0,380px);justify-content:space-between;gap:2rem;align-items:center}
.nap{background:var(--ink);color:#fff;border-radius:var(--r-in);padding:1.5rem;display:flex;flex-direction:column;gap:.55rem;font-style:normal;box-shadow:var(--edge)}
.nap b{font-size:1.05rem}
.nap a{color:#fff}
.nap .nl{font-size:.82rem;color:#D7E3F3;border-top:1px solid rgba(255,255,255,.2);padding-top:.6rem;margin-top:.3rem}
.reviewed{display:inline-block;font-size:.85rem;color:var(--muted);background:var(--card);border:1px solid var(--line);border-radius:999px;padding:.4rem .8rem;align-self:flex-start}

/* T6 FAQ */
.faq-wrap{display:grid;grid-template-columns:minmax(0,1.27fr) minmax(0,1fr);gap:2.2rem;align-items:stretch}
.faq-col{display:flex;flex-direction:column}
.acc{display:flex;flex-direction:column;gap:10px;margin:.4rem 0 1.2rem}
.acc details{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:0 1.1rem}
.acc summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:1rem;align-items:center;min-height:56px;font-weight:600;padding:.8rem 0}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"+";font-size:1.3rem;color:var(--ink);font-weight:400}
.acc details[open] summary::after{content:"–"}
.acc details p{padding:0 0 1rem;color:var(--muted)}
.faq-img{position:relative;border-radius:var(--r-in);overflow:hidden}
.faq-img img{position:sticky;top:96px;width:100%;height:min(100%,1424px);object-fit:cover;border-radius:var(--r-in)}

/* CTA band */
.cta-band{background:var(--ink);border-color:var(--ink);color:#fff;padding:var(--pad);display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1.4rem}
.cta-band h2{color:#fff}
.cta-band .eyebrow{color:var(--accent-soft)}
.cta-band p{color:#D7E3F3;margin-top:.5rem}

/* inner article */
.art{display:flex;flex-direction:column;gap:var(--gap)}
.sec{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,680px);gap:2.4rem;padding:var(--pad)}
.sec .sh{position:sticky;top:96px;align-self:start}
.sec .no{display:block;font-size:.8rem;font-weight:600;letter-spacing:.14em;color:var(--accent-text);margin-bottom:.6rem}
.sec h2{font-size:clamp(1.45rem,2.4vw,1.95rem)}
.prose{display:flex;flex-direction:column;gap:1rem;color:var(--muted);font-size:1.02rem}
.prose p{max-width:68ch}
.prose .answer{color:var(--text);font-size:1.08rem}
.prose ul,.prose ol{margin:0;padding-left:1.2rem;display:grid;gap:.4rem}
.prose h3{color:var(--text)}
.sec.full{grid-template-columns:minmax(0,1fr);gap:1.4rem}
.sec.full .sh{position:static}
.sec.full .prose{max-width:none}
.callout{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:10px;padding:1rem 1.2rem}
.callout b{color:var(--text);display:block;margin-bottom:.25rem}
.stepsb{list-style:none;margin:0;padding:0;display:grid;gap:10px;counter-reset:s}
.stepsb li{display:grid;grid-template-columns:40px minmax(0,1fr);gap:.9rem;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:1rem}
.stepsb li::before{counter-increment:s;content:counter(s);width:40px;height:40px;border-radius:50%;background:var(--bg);color:var(--ink);font-weight:600;display:grid;place-items:center}
.stepsb b{color:var(--text);display:block}
.terms{margin:0;display:grid;gap:10px}
.terms div{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:1rem 1.1rem;scroll-margin-top:100px}
.terms dt{font-weight:600;color:var(--text);margin-bottom:.25rem}
.terms dd{margin:0}
.qa{display:grid;gap:10px}
.qa div{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:1rem 1.1rem}
.qa h3{font-size:1rem;margin-bottom:.35rem}
.split{display:flow-root}
.split .prose{display:block}
.split .prose>*+*{margin-top:1rem}
.split-img{float:right;width:300px;max-width:42%;height:auto;aspect-ratio:3/4;border-radius:var(--r-in);object-fit:cover;margin:0 0 1rem 1.6rem;shape-outside:margin-box}
.cards3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.cards3 .tier{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in)}
.mfaq{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.mfaq div{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:1.1rem 1.2rem}
.mfaq h3{font-size:1.02rem;margin-bottom:.4rem}
.mfaq p{color:var(--muted);font-size:.96rem}
.rel{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:var(--gap)}
.links{list-style:none;margin:.8rem 0 0;padding:0;display:grid;gap:.5rem}
.links a{text-decoration:none;font-weight:500}
.links a:hover{text-decoration:underline}
.author{display:flex;gap:1rem;align-items:flex-start}
.initials{flex:0 0 56px;height:56px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-weight:600;letter-spacing:.04em}
.author p{color:var(--muted);font-size:.95rem;margin-top:.3rem}
.explore .grp{margin-top:1rem}
.explore .grp p{font-size:.78rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:.5rem}
.pills{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.45rem}
.pills a{display:inline-flex;min-height:40px;align-items:center;padding:.4rem .9rem;border:1px solid var(--line);border-radius:999px;background:var(--card);text-decoration:none;color:var(--text);font-size:.92rem}
.pills a:hover{border-color:var(--ink);color:var(--ink)}
.share{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1rem}
.share a{min-height:40px;display:inline-flex;align-items:center;padding:.4rem .8rem;border:1px solid var(--line);border-radius:999px;font-size:.86rem;text-decoration:none;background:var(--card)}
.byline{font-size:.88rem;color:var(--hero-muted);margin:-.2rem 0 .7rem}
.posts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.posts.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.post{display:flex;flex-direction:column;overflow:hidden;position:relative}
.post img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.post .pb{padding:1.1rem 1.2rem 1.2rem;display:flex;flex-direction:column;gap:.45rem;flex:1}
.post .cat{font-size:.74rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-text)}
.post h3 a{color:inherit;text-decoration:none}
.post h3 a::after{content:"";position:absolute;inset:0}
.post p{color:var(--muted);font-size:.94rem}
.post .more{margin-top:auto}
.smap{columns:3 220px;column-gap:2rem}
.smap section{break-inside:avoid;margin-bottom:1.4rem}
.smap ul{list-style:none;padding:0;margin:.5rem 0 0;display:grid;gap:.35rem}

@media (max-width:1240px){.rel{grid-template-columns:minmax(0,1fr)}}
/* footer */
.footer{padding:var(--pad);margin-bottom:var(--gap)}
.fgrid{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(3,minmax(0,1fr));gap:2rem}
.fhead{font-size:.76rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:.7rem}
.footer ul{list-style:none;margin:0;padding:0;display:grid;gap:.15rem}
.footer ul a{color:var(--text);text-decoration:none;font-size:.94rem;display:inline-flex;min-height:32px;align-items:center}
.footer ul a:hover{color:var(--ink);text-decoration:underline}
.footer address{font-style:normal;color:var(--muted);font-size:.92rem;display:grid;gap:.25rem;margin-top:.9rem}
.footer address a{color:var(--muted)}
.fdesc{color:var(--muted);font-size:.94rem;margin-top:.8rem;max-width:36ch}
.disc{border-top:1px solid var(--line);margin-top:1.8rem;padding-top:1.4rem;font-size:.82rem;color:var(--muted);display:grid;gap:.6rem}

/* scroll-to-top ring + mobile 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));width:56px;height:56px;border-radius:50%;border:0;background:var(--card);box-shadow:0 8px 24px -10px rgba(0,0,0,.35);cursor:pointer;opacity:0;transform:translateY(12px) scale(.9);pointer-events:none;transition:opacity .25s,transform .25s,box-shadow .2s;z-index:2147482000}
.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(217,112,42,.15)}
.totop svg.ringsvg{position:absolute;inset:0;transform:rotate(-90deg)}
.totop .arr{position:absolute;inset:0;margin:auto;width:18px;height:18px;color:var(--ink)}
.totop .pct{position:absolute;bottom:-1.4rem;left:50%;transform:translateX(-50%);font-size:.62rem;font-weight:600;letter-spacing:.08em;color:var(--muted)}
.mbar{display:none}

/* ---- responsive ---- */
@media (max-width:1140px){
  .nav{gap:.6rem}
  .nav-menu>li>a,.nav-menu>li>button{padding:.5rem .55rem;font-size:.92rem}
}
@media (max-width:1020px){
  .g4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .g3,.posts{grid-template-columns:repeat(2,minmax(0,1fr))}
  .g3.n3{grid-template-columns:repeat(3,minmax(0,1fr))}
  .cols3{grid-template-columns:minmax(0,1fr);gap:1.4rem}
  .intro-top,.steps-wrap,.m4,.t1,.faq-wrap,.nap-card,.cols2,.rel{grid-template-columns:minmax(0,1fr)}
  .sec{grid-template-columns:minmax(0,1fr);gap:1.2rem}
  .sec .sh{position:static}
  .band{flex-direction:column;min-height:0}
  .band img{position:static;width:100%;height:auto;max-width:720px;border-radius:var(--r-in);margin:0 var(--pad) var(--pad);aspect-ratio:2/1;order:2}
  .band::after{display:none}
  .side-card{flex-direction:column;min-height:0}
  .side-card>img{position:static;width:calc(100% - 2*var(--pad));height:auto;max-width:720px;aspect-ratio:16/9;border-radius:var(--r-in);margin:0 var(--pad) var(--pad);order:2}
  .side-card::after{display:none}
  .est-card>img,.about-card>img{display:none}
  .est-card .side-body{grid-template-columns:minmax(0,1fr)}
  .faq-img{max-width:420px;width:100%;margin-inline:auto}
  .faq-img img{position:static;height:auto;aspect-ratio:3/5}
  .fgrid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .fgrid>div:first-child{grid-column:1/-1}
}
@media (max-width:760px){
  .g3.n3,.cards3,.posts.two{grid-template-columns:minmax(0,1fr)}
}
@media (max-width:860px){
  .nav-menu{display:none;position:absolute;top:calc(100% + 8px);left:0;right:0;flex-direction:column;align-items:stretch;background:var(--panel);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--edge);padding:.5rem;max-height:calc(100vh - 110px);overflow:auto}
  .nav.menu-open .nav-menu{display:flex}
  .nav{position:relative}
  .nav-menu>li>a,.nav-menu>li>button{width:100%;justify-content:space-between;min-height:48px}
  .dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;background:transparent;width:auto;max-width:none;padding:0 0 .3rem .6rem}
  .dd::before{display:none}
  .has-dd.open>.dd{display:block}
  .has-dd:hover>.dd{visibility:visible}
  .dd a{min-height:44px;display:flex;align-items:center}
  .menu-toggle{display:inline-flex}
  .nav-shell .nav{background:var(--panel);border-color:var(--line)}
}
@media (max-width:700px){
  .checks{grid-template-columns:minmax(0,1fr)}
}
@media (max-width:620px){
  .split-img{float:none;width:100%;max-width:420px;margin:0 auto 1rem}
  .g4,.g3,.g2,.posts,.posts.two,.cards3,.cols3,.mfaq,.values,.facts,.factors,.fgrid,.calc .row2{grid-template-columns:minmax(0,1fr)}
  .steplist li{grid-template-columns:42px minmax(0,1fr)}
  .steplist .time{grid-column:2;justify-self:start}
  .form-card{border-radius:12px;padding:1.8rem 1rem 1rem}
  .btn-apply{padding:.6rem .9rem}
  .logo span{font-size:.78rem}
}
@media (max-width:600px){
  .totop{display:none}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:2147481000;gap:.8rem;align-items:center;justify-content:space-between;padding:.7rem max(16px,env(safe-area-inset-right,0px)) calc(.7rem + env(safe-area-inset-bottom,0px)) max(16px,env(safe-area-inset-left,0px));background:var(--panel);border-top:1px solid var(--line);box-shadow:0 -8px 24px -16px rgba(0,0,0,.3);transform:translateY(110%);transition:transform .25s}
  .mbar.show{transform:none}
  .mbar span{font-size:.86rem;font-weight:500}
  body{padding-bottom:74px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}