@import url('https://fonts.googleapis.com/css2?family=DM+Mono:wght@400;500&family=Manrope:wght@400;500;600;700;800&display=swap');

:root {
  --pine: #101820;
  --pine-deep: #101820;
  --pine-soft: #344553;
  --sage: #eef2f5;
  --sage-pale: #f5f7f9;
  --paper: #ffffff;
  --paper-deep: #eef1f4;
  --white: #ffffff;
  --gold: #D9A514;
  --gold-soft: #f5e8bd;
  --ink: #17222b;
  --muted: #5f6c76;
  --line: #dce1e6;
  --danger: #8a4c3d;
  --display: 'Manrope', Arial, sans-serif;
  --body: 'Manrope', Arial, sans-serif;
  --mono: 'DM Mono', monospace;
  --content: 1160px;
  --radius: 4px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 96px; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--body);
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; }
a { color: var(--pine); text-underline-offset: 3px; }
a:hover { color: #344553; }
button, input, select, textarea { font: inherit; }
button:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible, summary:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}
.container { width: min(var(--content), calc(100% - 48px)); margin-inline: auto; }
.skip-link { position: absolute; z-index: 20; top: 8px; left: 8px; transform: translateY(-150%); padding: 10px 14px; background: var(--white); color: var(--pine); }
.skip-link:focus { transform: translateY(0); }

.notice-bar { background: #fbf3dc; color: #24313b; font-size: 11px; letter-spacing: .09em; text-transform: uppercase; }
.notice-bar .container { min-height: 34px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.notice-bar a { color: var(--pine); text-decoration: none; white-space: nowrap; }
.site-header { position: sticky; z-index: 15; top: 0; background: rgba(255,255,255,.97); border-bottom: 1px solid rgba(16,24,32,.12); backdrop-filter: blur(12px); }
.header-inner { min-height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; min-width: 0; text-decoration: none; }
.brand-logo { display: block; width: clamp(138px, 17vw, 210px); max-width: 100%; height: auto; object-fit: contain; object-position: left center; }
.brand-logo--footer { width: 210px; }
.primary-nav { display: flex; align-items: center; gap: clamp(14px, 2.1vw, 30px); }
.primary-nav a { color: #425a52; font-size: 13px; font-weight: 600; text-decoration: none; white-space: nowrap; transition: color .2s ease; }
.primary-nav a:hover, .primary-nav a[aria-current="page"] { color: var(--pine); }
.primary-nav a[aria-current="page"] { box-shadow: inset 0 -2px var(--gold); padding-bottom: 8px; }
.primary-nav .mobile-apply { display: none; }
.nav-dropdown { position: relative; display: inline-flex; align-items: center; }
.nav-dropdown-link { color: #425a52; }
.nav-dropdown-link:hover, .nav-dropdown.is-open .nav-dropdown-link { color: var(--pine); }
.nav-dropdown--current > .nav-dropdown-link { color: var(--pine); box-shadow: inset 0 -2px var(--gold); padding-bottom: 8px; }
.nav-dropdown-toggle { display: grid; width: 18px; height: 28px; flex: 0 0 18px; place-items: center; margin-left: 2px; padding: 0; border: 0; color: #425a52; background: transparent; cursor: pointer; }
.nav-dropdown-toggle:hover, .nav-dropdown-toggle:focus-visible { color: var(--pine); }
.nav-dropdown-toggle svg { display: block; transition: transform .2s ease; }
.nav-dropdown:hover .nav-dropdown-toggle svg, .nav-dropdown:focus-within .nav-dropdown-toggle svg, .nav-dropdown.is-open .nav-dropdown-toggle svg { transform: rotate(180deg); }
.nav-dropdown-panel { position: absolute; z-index: 30; top: 100%; left: -14px; display: none; width: 230px; padding: 8px; border: 1px solid var(--line); background: var(--white); box-shadow: 0 14px 30px rgba(11,43,37,.14); }
.nav-dropdown:hover .nav-dropdown-panel, .nav-dropdown:focus-within .nav-dropdown-panel, .nav-dropdown.is-open .nav-dropdown-panel { display: grid; animation: navMenuReveal .18s ease-out both; }
.primary-nav .nav-dropdown-panel a { display: block; padding: 11px 12px; border: 0; border-left: 2px solid transparent; color: #425a52; font-size: 12px; white-space: normal; transition: color .2s ease, background-color .2s ease, border-color .2s ease, transform .2s ease; }
.primary-nav .nav-dropdown-panel a:hover { transform: translateX(2px); color: var(--pine); background: var(--sage-pale); }
.primary-nav .nav-dropdown-panel a[aria-current="page"] { padding-bottom: 11px; border-left-color: var(--gold); color: var(--pine); background: var(--sage-pale); box-shadow: none; }
@keyframes navMenuReveal { from { opacity: 0; transform: translateY(-5px); } to { opacity: 1; transform: translateY(0); } }
.header-actions { display: flex; align-items: center; gap: 12px; }
.language-menu { position: relative; }
.language-menu summary { display: block; cursor: pointer; list-style: none; font: 500 11px var(--mono); letter-spacing: .05em; color: var(--pine); border: 1px solid var(--line); padding: 9px 10px; border-radius: 2px; }
.language-menu summary::-webkit-details-marker { display: none; }
.language-options { position: absolute; top: calc(100% + 8px); right: 0; z-index: 20; width: 174px; padding: 8px; background: var(--white); border: 1px solid var(--line); box-shadow: 0 12px 30px rgba(11,43,37,.12); }
.language-options span { display: block; padding: 8px 9px; font-size: 12px; }
.language-options span:first-child { color: var(--pine); font-weight: 700; }
.language-options span:last-child { color: var(--muted); border-top: 1px solid var(--line); }
.menu-toggle { display: none; width: 42px; height: 42px; border: 1px solid var(--line); background: transparent; color: var(--pine); border-radius: 2px; cursor: pointer; }

.button { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; gap: 10px; padding: 12px 19px; border: 1px solid transparent; border-radius: 2px; color: var(--pine); background: var(--gold); font-size: 13px; font-weight: 700; text-decoration: none; transition: transform .2s ease, background .2s ease, border-color .2s ease; }
.button:hover { color: var(--pine); background: #e8b92e; transform: translateY(-1px); }
.button svg { width: 15px; height: 15px; }
.button--gold { background: var(--gold); color: var(--pine-deep); }
.button--gold:hover { background: #e8b92e; color: var(--pine-deep); }
.button--outline { color: var(--pine); background: transparent; border-color: rgba(16,24,32,.3); }
.button--outline:hover { color: var(--white); background: var(--pine); border-color: var(--pine); }
.button--light { color: var(--pine-deep); background: var(--paper); }
.button--light:hover { color: var(--pine-deep); background: var(--white); }
.button--small { min-height: 40px; padding: 9px 14px; font-size: 12px; }

.eyebrow { display: flex; align-items: center; gap: 10px; margin: 0 0 16px; color: var(--pine-soft); font: 500 11px var(--mono); letter-spacing: .13em; text-transform: uppercase; }
.eyebrow::before { width: 23px; height: 1px; content: ''; background: var(--gold); }
.eyebrow--light { color: #c7d9cd; }
.eyebrow--light::before { background: var(--gold); }
h1, h2, h3, h4, p { margin-top: 0; }
h1, h2, h3 { color: var(--pine-deep); font-family: var(--display); font-weight: 800; letter-spacing: -.035em; line-height: 1.06; }
h1 { max-width: 760px; margin-bottom: 23px; font-size: clamp(48px, 6.3vw, 82px); }
h2 { margin-bottom: 18px; font-size: clamp(36px, 4.2vw, 54px); }
h3 { margin-bottom: 12px; font-size: 27px; }
h4 { color: var(--pine); font: 800 15px var(--display); }
.lead { max-width: 610px; color: #d7e4da; font-size: clamp(17px, 1.7vw, 20px); line-height: 1.65; }
.section-intro { max-width: 660px; color: var(--muted); font-size: 16px; }
.micro-label { color: var(--muted); font: 500 10px var(--mono); letter-spacing: .08em; text-transform: uppercase; }
.section { padding: 104px 0; }
.section--compact { padding: 76px 0; }
.section--paper { background: var(--white); }
.section--sage { background: var(--sage-pale); }
.section-heading { display: flex; justify-content: space-between; align-items: end; gap: 32px; margin-bottom: 43px; }
.section-heading > div { max-width: 690px; }
.section-heading .section-intro { margin-bottom: 0; }

.home-hero { position: relative; overflow: hidden; padding: 77px 0 70px; color: var(--white); background: var(--pine); }
.home-hero::before { position: absolute; top: -210px; right: -115px; width: 620px; height: 620px; border: 1px solid rgba(217,230,219,.13); border-radius: 50%; content: ''; }
.home-hero::after { position: absolute; top: -125px; right: -30px; width: 450px; height: 450px; border: 1px solid rgba(217,230,219,.12); border-radius: 50%; content: ''; }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(360px, .9fr); align-items: center; gap: clamp(38px, 7vw, 96px); }
.home-hero h1 { color: var(--white); max-width: 720px; }
.home-hero h1 em { color: var(--gold); font-style: normal; }
.hero-copy { max-width: 600px; color: #cbd9cf; font-size: 17px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 30px 0 23px; }
.hero-disclaimer { max-width: 580px; margin: 0; color: #b3c4b8; font-size: 11px; line-height: 1.7; }
.terms-card { position: relative; max-width: 440px; min-height: 430px; margin-left: auto; padding: 28px 30px 27px; color: var(--pine-deep); background: var(--paper); box-shadow: 17px 21px 0 rgba(4,25,21,.2); transform: rotate(1.5deg); }
.terms-card::after { position: absolute; top: 0; right: 0; width: 26px; height: 26px; background: linear-gradient(135deg, var(--pine) 49%, var(--gold) 50%); content: ''; }
.terms-card-top { display: flex; align-items: center; justify-content: space-between; padding-bottom: 22px; border-bottom: 1px solid #ccd3c9; }
.term-brand { display: flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 700; }
.term-brand-mark { width: 23px; height: 23px; display: grid; place-items: center; background: var(--pine); color: var(--gold); border-radius: 50% 50% 50% 3px; }
.term-code { color: var(--muted); font: 10px var(--mono); letter-spacing: .08em; }
.terms-card h2 { margin: 24px 0 7px; font: 800 32px var(--display); letter-spacing: -.03em; }
.terms-card-intro { max-width: 290px; color: var(--muted); font-size: 12px; }
.term-rows { margin: 21px 0 19px; border-top: 1px solid #ccd3c9; }
.term-row { min-height: 49px; display: flex; align-items: center; justify-content: space-between; gap: 12px; border-bottom: 1px solid #ccd3c9; }
.term-row span:first-child { color: #435d52; font-size: 12px; }
.term-row span:last-child { color: var(--pine); font: 500 10px var(--mono); text-align: right; }
.term-note { display: flex; align-items: flex-start; gap: 10px; margin: 0; color: #536b60; font-size: 10px; line-height: 1.55; }
.term-note-mark { flex: 0 0 17px; width: 17px; height: 17px; display: grid; place-items: center; background: var(--gold-soft); color: var(--pine); border-radius: 50%; font: 500 11px var(--mono); }
.hero-index { position: absolute; left: -32px; bottom: 27px; writing-mode: vertical-rl; color: rgba(234,241,234,.55); font: 9px var(--mono); letter-spacing: .18em; text-transform: uppercase; }

.trust-strip { border-bottom: 1px solid var(--line); background: var(--paper); }
.trust-strip-inner { min-height: 75px; display: grid; grid-template-columns: repeat(3, 1fr); align-items: center; }
.trust-point { display: flex; align-items: center; justify-content: center; gap: 11px; padding: 16px; color: var(--pine); font-size: 12px; font-weight: 600; text-align: center; }
.trust-point + .trust-point { border-left: 1px solid var(--line); }
.trust-dot { width: 7px; height: 7px; flex: 0 0 7px; border-radius: 50%; background: var(--gold); }

.product-card { display: grid; grid-template-columns: 1.05fr .95fr; background: var(--sage-pale); border: 1px solid #d0dacf; }
.product-card-main { padding: clamp(28px, 5vw, 58px); }
.product-wordmark { margin-bottom: 24px; line-height: 0; }
.product-logo { display: block; width: min(220px, 100%); height: auto; object-fit: contain; object-position: left center; }
.product-card-main h3 { font-size: 38px; }
.product-card-main p { max-width: 465px; color: var(--muted); }
.product-card-meta { display: flex; flex-wrap: wrap; gap: 22px; margin: 26px 0 28px; }
.meta-item { min-width: 110px; }
.meta-item strong { display: block; margin-top: 5px; color: var(--pine); font: 500 12px var(--mono); }
.product-card-aside { display: flex; flex-direction: column; justify-content: center; padding: clamp(28px, 5vw, 54px); background: var(--pine); color: #edf2e9; }
.product-card-aside h4 { margin-bottom: 20px; color: var(--gold-soft); font: 500 12px var(--mono); letter-spacing: .08em; text-transform: uppercase; }
.plain-list { display: grid; gap: 13px; margin: 0; padding: 0; list-style: none; }
.plain-list li { display: flex; align-items: flex-start; gap: 11px; color: #d4e0d6; font-size: 13px; }
.list-mark { flex: 0 0 18px; width: 18px; height: 18px; display: grid; place-items: center; margin-top: 2px; border: 1px solid rgba(217,230,219,.4); border-radius: 50%; color: var(--gold); font: 10px var(--mono); }
.product-card-aside .button { margin-top: 26px; align-self: flex-start; }

.principles { display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.principle { min-height: 206px; padding: 27px 25px; }
.principle + .principle { border-left: 1px solid var(--line); }
.principle-index { display: inline-grid; width: 29px; height: 29px; place-items: center; margin-bottom: 24px; border: 1px solid #c9d4c9; border-radius: 50%; color: var(--pine); font: 10px var(--mono); }
.principle h3 { margin-bottom: 9px; font: 800 14px var(--body); letter-spacing: -.01em; }
.principle p { margin: 0; color: var(--muted); font-size: 12px; }

.steps { display: grid; grid-template-columns: repeat(4, 1fr); counter-reset: steps; }
.step { position: relative; padding: 25px 23px 0 0; border-top: 1px solid #bdc9be; counter-increment: steps; }
.step::before { position: absolute; top: -6px; left: 0; width: 11px; height: 11px; border: 2px solid var(--sage-pale); border-radius: 50%; background: var(--gold); content: ''; }
.step-number { margin: 11px 0 32px; color: #71847a; font: 11px var(--mono); }
.step h3 { margin-bottom: 11px; font: 800 15px var(--body); letter-spacing: -.015em; }
.step p { max-width: 230px; color: var(--muted); font-size: 13px; }
.step-arrow { display: inline-flex; align-items: center; gap: 8px; margin-top: 22px; color: var(--pine); font-size: 12px; font-weight: 700; text-decoration: none; }
.step-arrow svg { width: 15px; height: 15px; transition: transform .2s ease; }
.step-arrow:hover svg { transform: translateX(3px); }

.responsible-panel { display: grid; grid-template-columns: .8fr 1.2fr; gap: 56px; align-items: start; padding: clamp(30px, 5vw, 60px); background: var(--sage); }
.responsible-panel h2 { font-size: clamp(32px, 4vw, 46px); }
.responsible-copy { display: grid; grid-template-columns: 1fr 1fr; gap: 23px 30px; }
.responsible-item { padding-top: 14px; border-top: 1px solid #bccdc0; }
.responsible-item h3 { margin-bottom: 6px; font: 800 13px var(--body); letter-spacing: 0; }
.responsible-item p { margin: 0; color: #53685e; font-size: 12px; }

.faq-preview { display: grid; grid-template-columns: .7fr 1.3fr; gap: 70px; }
.faq-preview-copy { max-width: 360px; }
.faq-list { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item summary { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 19px 0; color: var(--pine); font-size: 14px; font-weight: 600; cursor: pointer; list-style: none; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: '+'; color: var(--pine-soft); font: 400 22px var(--body); }
.faq-item[open] summary::after { content: '−'; }
.faq-item p { max-width: 690px; padding: 0 34px 19px 0; margin: 0; color: var(--muted); font-size: 13px; }
.faq-more { margin-top: 25px; }

.closing-cta { position: relative; overflow: hidden; padding: 76px 0; color: var(--white); background: var(--pine-deep); }
.closing-cta::after { position: absolute; right: -100px; top: -220px; width: 570px; height: 570px; border: 1px solid rgba(217,230,219,.13); border-radius: 50%; content: ''; }
.closing-cta-inner { position: relative; z-index: 1; display: flex; justify-content: space-between; align-items: center; gap: 45px; }
.closing-cta h2 { max-width: 650px; margin: 0; color: var(--white); }
.closing-cta p { max-width: 540px; margin: 13px 0 0; color: #bfcec3; font-size: 14px; }
.closing-cta .button { flex: 0 0 auto; }

.page-hero { padding: 83px 0 70px; background: var(--sage); }
.page-hero h1 { max-width: 800px; font-size: clamp(47px, 6vw, 74px); }
.page-hero .section-intro { max-width: 680px; font-size: 17px; }
.breadcrumb-line { display: flex; align-items: center; gap: 8px; margin-bottom: 28px; color: #60746a; font: 10px var(--mono); letter-spacing: .08em; text-transform: uppercase; }
.breadcrumb-line a { color: var(--pine); text-decoration: none; }
.breadcrumb-line span { color: #8f9f93; }
.page-hero-meta { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 23px; }
.meta-chip { padding: 7px 10px; border: 1px solid rgba(18,61,52,.22); color: var(--pine); font: 10px var(--mono); letter-spacing: .04em; text-transform: uppercase; }
.content-grid { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(240px, .75fr); gap: 70px; align-items: start; }
.content-copy { max-width: 760px; }
.content-copy h2 { margin-top: 50px; font-size: 34px; }
.content-copy h2:first-child { margin-top: 0; }
.content-copy h3 { margin-top: 28px; font: 800 16px var(--body); letter-spacing: -.01em; }
.content-copy p, .content-copy li { color: #536960; font-size: 14px; }
.content-copy ul, .content-copy ol { padding-left: 21px; }
.content-copy li { margin: 8px 0; }
.side-note { position: sticky; top: 117px; padding: 26px; border-top: 3px solid var(--gold); background: var(--sage-pale); }
.side-note .micro-label { display: block; margin-bottom: 15px; }
.side-note h3 { font-size: 24px; }
.side-note p { color: var(--muted); font-size: 12px; }
.side-note a:not(.button) { font-size: 12px; font-weight: 700; }
.side-note .button { width: 100%; margin-top: 9px; }
.section-rule { margin: 36px 0; border: 0; border-top: 1px solid var(--line); }
.info-table { width: 100%; border-collapse: collapse; background: var(--white); }
.info-table th, .info-table td { padding: 14px 16px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; font-size: 13px; }
.info-table th { width: 39%; color: var(--pine); font-weight: 700; }
.info-table td { color: var(--muted); }
.placeholder { display: inline-block; padding: 2px 7px; color: #7b5513; background: #f4e7c5; border: 1px dashed #caa24c; font: 500 10px var(--mono); letter-spacing: .02em; white-space: normal; }
.draft-banner { display: flex; align-items: flex-start; gap: 14px; padding: 18px 20px; margin-bottom: 34px; background: #f0e6cc; border-left: 3px solid var(--gold); color: #5d4b25; }
.draft-banner strong { display: block; margin-bottom: 2px; color: #4e411f; font-size: 13px; }
.draft-banner p { margin: 0; font-size: 12px; }
.callout { padding: 22px 24px; margin: 26px 0; border-left: 3px solid var(--pine-soft); background: var(--sage-pale); }
.callout p:last-child { margin-bottom: 0; }
.callout strong { color: var(--pine); }
.callout--warning { border-color: var(--gold); background: #fbf3dc; }
.inline-link { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 700; }
.external-link-icon { width: 14px; height: 14px; }

.product-detail-hero { color: var(--white); background: var(--pine); padding: 68px 0; }
.product-detail-grid { display: grid; grid-template-columns: 1.2fr .8fr; align-items: center; gap: 64px; }
.product-detail-hero h1 { color: var(--white); font-size: clamp(48px, 5.7vw, 72px); }
.product-detail-hero .lead { margin-bottom: 25px; }
.product-summary-box { padding: 25px; color: var(--pine); background: var(--paper); }
.product-summary-box .micro-label { display: block; margin-bottom: 14px; }
.summary-line { display: flex; justify-content: space-between; gap: 18px; padding: 12px 0; border-bottom: 1px solid var(--line); font-size: 12px; }
.summary-line span:first-child { color: var(--muted); }
.summary-line span:last-child { color: var(--pine); font-family: var(--mono); font-size: 10px; text-align: right; }
.summary-line:last-child { border: 0; }

.eligibility-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); }
.eligibility-item { min-height: 145px; padding: 25px; background: var(--white); }
.eligibility-item h3 { margin: 14px 0 7px; font: 800 14px var(--body); letter-spacing: 0; }
.eligibility-item p { max-width: 380px; margin: 0; color: var(--muted); font-size: 12px; }
.check-icon { width: 23px; height: 23px; display: grid; place-items: center; border-radius: 50%; background: var(--sage); color: var(--pine); font: 11px var(--mono); }

.contact-layout { display: grid; grid-template-columns: .8fr 1.2fr; gap: 58px; align-items: start; }
.contact-list { display: grid; gap: 0; margin: 25px 0 0; border-top: 1px solid var(--line); }
.contact-row { padding: 16px 0; border-bottom: 1px solid var(--line); }
.contact-row .micro-label { display: block; margin-bottom: 5px; }
.contact-row strong, .contact-row a { color: var(--pine); font-size: 14px; font-weight: 600; text-decoration: none; overflow-wrap: anywhere; }
.contact-form { padding: clamp(24px, 4vw, 42px); background: var(--white); border: 1px solid var(--line); }
.contact-form h2 { font-size: 35px; }
.contact-form .button:disabled { opacity: .72; cursor: wait; box-shadow: none; transform: none; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-field { display: grid; gap: 7px; margin-bottom: 16px; }
.form-field--full { grid-column: 1 / -1; }
.form-field label { color: var(--pine); font-size: 12px; font-weight: 700; }
.form-field input, .form-field select, .form-field textarea { width: 100%; min-height: 44px; padding: 10px 12px; border: 1px solid #cbd5cb; border-radius: 2px; color: var(--ink); background: #fdfcf8; font-size: 13px; }
.form-field textarea { min-height: 124px; resize: vertical; }
.form-note { margin: 10px 0 19px; color: var(--muted); font-size: 11px; }
.form-status { min-height: 24px; margin: 15px 0 0; color: var(--pine); font-size: 12px; }
.checkbox-row { display: flex; align-items: flex-start; gap: 10px; color: var(--muted); font-size: 11px; }
.checkbox-row input { margin-top: 4px; accent-color: var(--pine); }

.apply-checklist { max-width: 850px; margin: 0 auto; padding: clamp(25px, 5vw, 52px); background: var(--white); border: 1px solid var(--line); }
.apply-check { display: flex; align-items: flex-start; gap: 14px; padding: 17px 0; border-bottom: 1px solid var(--line); color: var(--pine); font-size: 14px; font-weight: 600; cursor: pointer; }
.apply-check input { flex: 0 0 19px; width: 19px; height: 19px; margin-top: 2px; accent-color: var(--pine); }
.apply-progress { display: flex; justify-content: space-between; gap: 16px; margin-top: 24px; color: var(--muted); font: 11px var(--mono); }
.progress-track { height: 4px; margin-top: 9px; background: #e4e8e0; }
.progress-track span { display: block; width: 0; height: 100%; background: var(--gold); transition: width .25s ease; }
.apply-status { min-height: 25px; margin: 17px 0 0; color: var(--pine); font-size: 12px; }
.apply-cta-lock { display: flex; align-items: flex-start; gap: 12px; padding: 18px; margin-top: 27px; background: #f4eedc; color: #61502d; }
.apply-cta-lock strong { display: block; color: #514321; font-size: 13px; }
.apply-cta-lock p { margin: 2px 0 0; font-size: 11px; }

.site-footer { padding: 70px 0 27px; color: #d4e0d6; background: var(--pine-deep); }
.footer-main { display: grid; grid-template-columns: 1.2fr repeat(4, 1fr); gap: 32px; padding-bottom: 52px; }
.footer-brand { max-width: 250px; }
.footer-brand .brand { margin-bottom: 18px; color: var(--white); }
.footer-brand p { color: #aebfb3; font-size: 12px; }
.footer-column h2 { margin: 3px 0 18px; color: var(--gold-soft); font: 500 10px var(--mono); letter-spacing: .12em; text-transform: uppercase; }
.footer-column ul { display: grid; gap: 10px; margin: 0; padding: 0; list-style: none; }
.footer-column a { color: #c4d2c7; font-size: 12px; text-decoration: none; }
.footer-column a:hover { color: var(--white); }
.footer-details { display: grid; grid-template-columns: 1fr 1fr; gap: 42px; padding: 23px 0; border-top: 1px solid rgba(220,232,222,.16); border-bottom: 1px solid rgba(220,232,222,.16); }
.footer-details p { margin: 0; color: #aebfb3; font-size: 11px; }
.footer-details strong { color: #dce7dd; font-weight: 600; }
.footer-bottom { display: flex; justify-content: space-between; gap: 24px; padding-top: 20px; color: #8fa398; font-size: 10px; }
.footer-bottom p { margin: 0; }
.footer-placeholder { color: #e3c77f; }
.footer-compliance { display: flex; align-items: center; justify-content: space-between; gap: 30px; width: min(100%, 1000px); min-height: 190px; padding: clamp(22px, 3vw, 32px); margin: 0 auto 26px; border-radius: 14px; color: #263744; background: #edf4fa; }
.footer-compliance-list { display: grid; gap: 8px; margin: 0; padding: 0; list-style: none; }
.footer-compliance-list li { position: relative; padding-left: 17px; color: #344652; font-size: 12px; line-height: 1.5; }
.footer-compliance-list li::before { position: absolute; top: .63em; left: 0; width: 5px; height: 5px; border-radius: 50%; background: #246e9a; content: ''; }
.footer-compliance-list li:first-child { font-size: 13px; }
.footer-compliance-list strong { color: #263744; font-weight: 800; }
.footer-sec-seal { display: block; flex: 0 0 158px; width: 158px; height: auto; align-self: flex-end; object-fit: contain; }
.footer-details a { overflow-wrap: anywhere; }

@media (max-width: 1020px) {
  .primary-nav { gap: 13px; }
  .primary-nav a, .nav-dropdown-link { font-size: 12px; }
  .header-inner { gap: 16px; }
  .header-actions { gap: 8px; }
  .hero-grid { gap: 42px; grid-template-columns: minmax(0, 1.05fr) minmax(310px, .95fr); }
  .terms-card { min-height: 408px; padding: 25px; }
  .footer-main { grid-template-columns: 1.2fr repeat(2, 1fr); }
}
@media (min-width: 821px) and (max-width: 1020px) {
  .menu-toggle { display: grid; place-items: center; }
  .primary-nav { position: absolute; top: 100%; right: 0; left: 0; display: none; align-items: stretch; gap: 0; padding: 7px 18px 20px; border-bottom: 1px solid var(--line); background: var(--white); box-shadow: 0 12px 18px rgba(11,43,37,.08); }
  .primary-nav.is-open { display: flex; flex-direction: column; }
  .primary-nav > a { padding: 13px 4px; border-bottom: 1px solid var(--line); font-size: 14px; }
  .primary-nav > a[aria-current="page"] { box-shadow: none; padding-bottom: 13px; }
  .nav-dropdown { display: grid; grid-template-columns: 1fr 42px; align-items: center; width: 100%; border-bottom: 1px solid var(--line); }
  .primary-nav .nav-dropdown-link { padding: 13px 4px; border: 0; font-size: 14px; }
  .nav-dropdown--current > .nav-dropdown-link { padding-bottom: 13px; box-shadow: none; }
  .nav-dropdown-toggle { grid-column: 2; grid-row: 1; justify-self: end; width: 42px; height: 46px; margin: 0 -5px 0 0; }
  .nav-dropdown-panel { position: static; grid-column: 1 / -1; width: auto; padding: 4px 0 9px 12px; border: 0; background: transparent; box-shadow: none; }
  .nav-dropdown:hover .nav-dropdown-panel, .nav-dropdown:focus-within:not(.is-open) .nav-dropdown-panel { display: none; }
  .nav-dropdown.is-open .nav-dropdown-panel { display: grid; }
  .nav-dropdown:hover .nav-dropdown-toggle svg, .nav-dropdown:focus-within:not(.is-open) .nav-dropdown-toggle svg { transform: none; }
  .header-actions { margin-left: auto; }
  .header-actions > .button { display: none; }
  .primary-nav .mobile-apply { display: inline-flex; justify-content: center; margin-top: 14px; padding: 12px 17px; border: 0; color: var(--pine); background: var(--gold); }
}
@media (max-width: 820px) {
  .container { width: min(var(--content), calc(100% - 36px)); }
  .header-inner { min-height: 70px; }
  .menu-toggle { display: grid; place-items: center; }
  .primary-nav { position: absolute; top: 100%; right: 0; left: 0; display: none; align-items: stretch; gap: 0; padding: 7px 18px 20px; border-bottom: 1px solid var(--line); background: var(--paper); box-shadow: 0 12px 18px rgba(11,43,37,.08); }
  .primary-nav.is-open { display: flex; flex-direction: column; }
  .primary-nav a { padding: 13px 4px; border-bottom: 1px solid var(--line); font-size: 14px; }
  .primary-nav a[aria-current="page"] { box-shadow: none; padding-bottom: 13px; }
  .nav-dropdown { display: grid; grid-template-columns: 1fr 42px; align-items: center; width: 100%; border-bottom: 1px solid var(--line); }
  .primary-nav .nav-dropdown-link { padding: 13px 4px; border: 0; font-size: 14px; }
  .nav-dropdown--current > .nav-dropdown-link { padding-bottom: 13px; box-shadow: none; }
  .nav-dropdown-toggle { grid-column: 2; grid-row: 1; justify-self: end; width: 42px; height: 46px; margin: 0 -5px 0 0; }
  .nav-dropdown-panel { position: static; grid-column: 1 / -1; width: auto; padding: 4px 0 9px 12px; border: 0; background: transparent; box-shadow: none; }
  .nav-dropdown:hover .nav-dropdown-panel, .nav-dropdown:focus-within:not(.is-open) .nav-dropdown-panel { display: none; }
  .nav-dropdown.is-open .nav-dropdown-panel { display: grid; }
  .nav-dropdown:hover .nav-dropdown-toggle svg, .nav-dropdown:focus-within:not(.is-open) .nav-dropdown-toggle svg { transform: none; }
  .primary-nav .nav-dropdown-panel a { padding: 10px 12px; border-left: 1px solid #cbd5cb; font-size: 13px; }
  .primary-nav .nav-dropdown-panel a[aria-current="page"] { padding-bottom: 10px; border-left: 2px solid var(--gold); }
  .header-actions { margin-left: auto; }
  .header-actions > .button { display: none; }
  .primary-nav .mobile-apply { display: inline-flex; justify-content: center; margin-top: 14px; padding: 12px 17px; border: 0; color: var(--pine); background: var(--gold); }
  .hero-grid { grid-template-columns: 1fr; gap: 45px; }
  .home-hero { padding: 66px 0 60px; }
  .home-hero h1 { max-width: 700px; }
  .terms-card { width: min(100%, 480px); margin: 0 auto 15px; transform: rotate(.6deg); }
  .hero-index { display: none; }
  .product-card { grid-template-columns: 1fr; }
  .principles { grid-template-columns: repeat(2, 1fr); }
  .principle:nth-child(3) { border-left: 0; border-top: 1px solid var(--line); }
  .principle:nth-child(4) { border-top: 1px solid var(--line); }
  .steps { grid-template-columns: repeat(2, 1fr); row-gap: 36px; }
  .faq-preview { grid-template-columns: 1fr; gap: 35px; }
  .faq-preview-copy { max-width: 570px; }
  .content-grid { grid-template-columns: 1fr; gap: 35px; }
  .side-note { position: static; }
  .product-detail-grid { grid-template-columns: 1fr; gap: 30px; }
  .product-summary-box { max-width: 570px; }
  .contact-layout { grid-template-columns: 1fr; gap: 38px; }
  .closing-cta-inner { align-items: flex-start; flex-direction: column; }
}
@media (max-width: 560px) {
  .notice-bar .container { min-height: 31px; font-size: 9px; letter-spacing: .04em; }
  .notice-bar .container > span { max-width: 70%; }
  .notice-bar a { font-size: 9px; }
  .container { width: calc(100% - 32px); }
  .header-inner { gap: 9px; }
  .brand-logo { width: 138px; }
  .brand-logo--footer { width: 190px; }
  .language-menu summary { padding: 8px; font-size: 10px; }
  .home-hero { padding: 54px 0 48px; }
  h1 { font-size: 48px; }
  .home-hero h1 { font-size: 51px; }
  .hero-copy { font-size: 15px; }
  .hero-actions { display: grid; grid-template-columns: 1fr; }
  .hero-actions .button { width: 100%; }
  .terms-card { min-height: 0; padding: 21px 19px; box-shadow: 8px 11px 0 rgba(4,25,21,.2); }
  .terms-card h2 { font-size: 28px; }
  .term-row { min-height: 45px; }
  .trust-strip-inner { grid-template-columns: 1fr; padding: 7px 0; }
  .trust-point { justify-content: flex-start; padding: 9px 0; text-align: left; }
  .trust-point + .trust-point { border-left: 0; }
  .section { padding: 69px 0; }
  .section--compact { padding: 54px 0; }
  .section-heading { align-items: flex-start; flex-direction: column; gap: 18px; margin-bottom: 30px; }
  .section-heading > .button { width: 100%; }
  .product-card-main, .product-card-aside { padding: 27px 22px; }
  .product-card-main h3 { font-size: 32px; }
  .product-card-meta { gap: 14px; }
  .principles { grid-template-columns: 1fr; }
  .principle { min-height: 0; padding: 21px 6px; }
  .principle + .principle { border-top: 1px solid var(--line); border-left: 0; }
  .principle-index { margin-bottom: 15px; }
  .steps { grid-template-columns: 1fr; row-gap: 26px; }
  .step { padding: 19px 0 0; }
  .step-number { margin: 7px 0 17px; }
  .step p { max-width: none; }
  .responsible-panel { grid-template-columns: 1fr; gap: 24px; padding: 25px 20px; }
  .responsible-copy { grid-template-columns: 1fr; gap: 16px; }
  .faq-item summary { font-size: 13px; }
  .closing-cta { padding: 59px 0; }
  .page-hero { padding: 57px 0 48px; }
  .page-hero h1 { font-size: 48px; }
  .content-copy h2 { margin-top: 38px; font-size: 31px; }
  .info-table th, .info-table td { padding: 11px 10px; font-size: 11px; }
  .info-table th { width: 42%; }
  .eligibility-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; gap: 0; }
  .form-field--full { grid-column: auto; }
  .apply-checklist { padding: 22px 18px; }
  .apply-check { font-size: 12px; }
  .footer-main { grid-template-columns: repeat(2, 1fr); gap: 28px 20px; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-details { grid-template-columns: 1fr; gap: 14px; }
  .footer-compliance { align-items: flex-start; flex-direction: column; gap: 20px; }
  .footer-sec-seal { align-self: flex-end; }
  .footer-bottom { flex-direction: column; gap: 8px; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}

/* Loan app product pages */
.app-product-hero { position: relative; overflow: hidden; isolation: isolate; color: var(--white); background: radial-gradient(ellipse at 77% 48%, rgba(63,80,94,.45), transparent 43%), #101820; }
.app-product-hero::after { position: absolute; z-index: -1; top: -330px; right: -100px; width: 760px; height: 760px; border: 1px solid rgba(238,225,184,.17); border-radius: 50%; content: ''; }
.app-product-hero-grid { min-height: 650px; display: grid; grid-template-columns: minmax(0, 1fr) minmax(290px, .68fr); align-items: center; gap: clamp(38px, 7vw, 88px); padding-block: 48px; }
.app-product-copy { max-width: 680px; }
.app-product-hero .breadcrumb-line { color: #aebfb3; }
.app-product-hero .breadcrumb-line a { color: #e3ebdf; }
.app-product-hero h1 { margin-bottom: 12px; color: var(--white); font-size: clamp(58px, 7.6vw, 91px); }
.app-hero-lead { margin-bottom: 9px; color: #f2e5c1; font: 800 18px var(--display); }
.app-hero-description { max-width: 540px; margin-bottom: 26px; color: #c5d4c9; font-size: 14px; }
.app-hero-stats { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; margin: 30px 0 27px; padding: 18px 0; border-top: 1px solid rgba(222,233,222,.23); border-bottom: 1px solid rgba(222,233,222,.23); }
.app-hero-stats > div { display: grid; align-content: start; gap: 5px; }
.app-hero-stats span { color: #b6c8ba; font: 9px var(--mono); letter-spacing: .04em; text-transform: uppercase; }
.app-hero-stats strong { color: var(--gold); font: 700 12px var(--mono); }
.app-hero-note { margin: 13px 0 0; color: #abbdb1; font-size: 10px; }
.app-phone-preview { position: relative; width: min(100%, 390px); aspect-ratio: 2 / 3; margin: 0 auto; filter: drop-shadow(0 24px 32px rgba(0,0,0,.28)); transition: transform .45s cubic-bezier(.2,.7,.25,1); }
.app-phone-preview:hover { transform: translateY(-5px) rotate(.6deg); }
.app-phone-frame { position: absolute; z-index: 1; inset: 0; display: block; width: 100%; height: 100%; object-fit: contain; }
.app-phone-screen { position: absolute; z-index: 2; top: 5.35%; left: 18.65%; display: flex; width: 62.7%; height: 89%; flex-direction: column; overflow: hidden; padding: 3.5% 4.1%; border-radius: 11% / 4.4%; color: #17222b; background: #ffffff; }
.app-phone-screen p { margin: 0; }
.app-screen-status { display: flex; justify-content: space-between; color: #60716a; font: 500 7px var(--mono); }
.app-screen-name { margin-top: 13px !important; color: var(--pine); font-size: clamp(12px, 3.5vw, 17px); font-weight: 700; letter-spacing: -.045em; }
.app-screen-kicker { margin-top: 2px !important; color: #728178; font: 500 6px var(--mono); letter-spacing: .11em; }
.app-screen-label { margin-top: 16px !important; color: #728178; font-size: 7px; }
.app-screen-amount { margin-top: 1px; color: #a97900; font: 700 clamp(15px, 4.4vw, 21px) var(--mono); letter-spacing: -.06em; }
.app-screen-detail { display: flex; justify-content: space-between; gap: 5px; padding: 8px 0; border-top: 1px solid #e3e7de; color: #6c7b72; font-size: 7px; }
.app-screen-detail:first-of-type { margin-top: 11px; }
.app-screen-detail strong { color: #a97900; font: 700 7px var(--mono); text-align: right; }
.app-screen-payment { display: grid; gap: 2px; margin-top: 5px; padding: 9px 8px; border-radius: 3px; background: #edf2e9; }
.app-screen-payment span, .app-screen-payment small { color: #66796e; font-size: 6px; }
.app-screen-payment strong { color: var(--pine); font-size: 7px; line-height: 1.35; }
.app-screen-button { display: grid; min-height: 28px; place-items: center; margin-top: 9px; border-radius: 2px; color: #101820; background: var(--gold); font-size: 7px; font-weight: 800; }
.app-screen-footnote { margin-top: 7px !important; color: #77847b; font-size: 6px; line-height: 1.35; }
.app-details-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1px; margin: 0; background: var(--line); border: 1px solid var(--line); }
.app-details-grid > div { min-height: 112px; padding: 19px 20px; background: var(--white); transition: background-color .25s ease, transform .25s ease; }
.app-details-grid > div:hover { position: relative; z-index: 1; transform: translateY(-3px); background: #f8f7f0; }
.app-details-grid dt { margin-bottom: 8px; color: var(--muted); font: 500 9px var(--mono); letter-spacing: .045em; text-transform: uppercase; }
.app-details-grid dd { margin: 0; color: #9a6d00; font-size: 13px; font-weight: 700; line-height: 1.5; overflow-wrap: anywhere; }
.app-details-grid .app-details-grid-wide { grid-column: 1 / -1; }
.loan-calculator { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(265px, .8fr); gap: clamp(25px, 4vw, 52px); padding: clamp(25px, 5vw, 52px); border: 1px solid var(--line); background: var(--white); box-shadow: 0 14px 36px rgba(18,61,52,.05); }
.loan-calculator-controls { display: grid; align-content: start; gap: 25px; }
.loan-calc-field { display: grid; gap: 9px; }
.loan-calc-field > label { color: var(--pine); font-size: 12px; font-weight: 700; }
.loan-calc-field input[type="range"] { width: 100%; accent-color: var(--pine); cursor: pointer; }
.loan-calc-bounds { display: flex; justify-content: space-between; color: var(--muted); font: 10px var(--mono); }
.loan-calc-field .loan-calc-exact-label { margin-top: 4px; color: var(--muted); font-size: 11px; font-weight: 500; }
.loan-calc-field input[type="number"], .loan-calc-field select { width: 100%; min-height: 47px; padding: 10px 12px; border: 1px solid #cbd5cb; border-radius: 2px; color: var(--ink); background: #fdfcf8; font-size: 14px; }
.loan-term-bands { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 9px; }
.loan-term-bands > div { display: grid; gap: 4px; padding: 11px 12px; border-left: 2px solid var(--gold); background: var(--sage-pale); }
.loan-term-bands strong { color: var(--pine); font: 500 9px var(--mono); }
.loan-term-bands span { color: var(--muted); font-size: 10px; }
.loan-calculator-result { align-self: stretch; padding: 23px; color: var(--white); background: var(--pine); }
.loan-calculator-result .eyebrow { color: #cad9cd; }
.loan-result-line { display: flex; justify-content: space-between; gap: 12px; padding: 14px 0; border-bottom: 1px solid rgba(220,232,222,.18); }
.loan-result-line span { color: #cad9cd; font-size: 11px; }
.loan-result-line strong { color: var(--gold-soft); font: 500 13px var(--mono); text-align: right; }
.loan-calculator-note { margin: 19px 0 0; color: #b8c9bc; font-size: 10px; line-height: 1.6; }
.app-rate-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 12px; }
.app-rate-grid article { min-height: 194px; padding: 23px; border: 1px solid var(--line); background: var(--white); transition: transform .25s ease, box-shadow .25s ease; }
.app-rate-grid article:hover { transform: translateY(-4px); box-shadow: 0 12px 25px rgba(18,61,52,.08); }
.app-rate-grid .micro-label { display: block; min-height: 35px; margin-bottom: 16px; }
.app-rate-grid article > strong { display: block; color: #9a6d00; font: 700 18px var(--mono); line-height: 1.35; }
.app-rate-grid article > strong small { font-size: 10px; }
.app-rate-grid article p { margin: 12px 0 0; color: var(--muted); font-size: 11px; line-height: 1.55; }
.app-sample-cost { display: grid; grid-template-columns: minmax(0, .75fr) minmax(0, 1.25fr); align-items: center; gap: 32px; padding: clamp(25px, 4vw, 43px); border: 1px solid var(--line); background: #f5f7f9; }
.app-sample-amount h2 { margin: 0 0 8px; color: #9a6d00; font: 800 clamp(37px, 5vw, 58px) var(--mono); letter-spacing: -.075em; }
.app-sample-amount > p:last-child { margin: 0; color: var(--muted); font-size: 12px; }
.app-sample-note { padding: 19px 22px; border-left: 3px solid var(--gold); background: #fbf3dc; }
.app-sample-note strong { color: #4e411f; font-size: 12px; }
.app-sample-note p { margin: 6px 0 0; color: #685a37; font-size: 11px; }
.app-flow-grid { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 11px; }
.app-flow-grid article { min-height: 207px; padding: 20px 18px; border-top: 2px solid var(--gold); background: var(--white); transition: transform .25s ease, box-shadow .25s ease; }
.app-flow-grid article:hover { transform: translateY(-4px); box-shadow: 0 12px 25px rgba(18,61,52,.07); }
.app-flow-grid article > span { color: #778a7d; font: 10px var(--mono); }
.app-flow-grid h3 { margin: 24px 0 9px; font: 800 13px var(--body); letter-spacing: -.01em; line-height: 1.4; }
.app-flow-grid p { margin: 0; color: var(--muted); font-size: 11px; line-height: 1.55; }
.app-risk-panel { display: flex; align-items: center; justify-content: space-between; gap: 35px; padding: clamp(26px, 5vw, 52px); color: #d2dfd4; background: var(--pine); }
.app-risk-panel > div { max-width: 760px; }
.app-risk-panel .eyebrow { color: #c7d9cd; }
.app-risk-panel h2 { margin-bottom: 12px; color: var(--white); font-size: clamp(32px, 4vw, 47px); }
.app-risk-panel p:last-child { margin: 0; color: #c0d0c4; font-size: 13px; }
.app-risk-panel .button { flex: 0 0 auto; background: var(--gold); color: var(--pine-deep); }
.app-links-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 17px; margin-top: 54px; }
.app-link-card { position: relative; overflow: hidden; padding: clamp(24px, 4vw, 39px); border: 1px solid var(--line); border-top: 3px solid var(--pine-soft); background: var(--white); transition: transform .3s ease, box-shadow .3s ease; }
.app-link-card--alalay { border-top-color: var(--gold); }
.app-link-card:hover { transform: translateY(-5px); box-shadow: 0 15px 32px rgba(18,61,52,.09); }
.app-link-card .micro-label { display: block; margin-bottom: 12px; }
.app-link-card h3 { margin-bottom: 8px; font-size: 34px; }
.app-link-card > p:not(.micro-label) { max-width: 420px; color: var(--muted); font-size: 13px; }
.app-link-card dl { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; margin: 24px 0; padding: 17px 0; border-block: 1px solid var(--line); }
.app-link-card dl div { display: grid; gap: 5px; }
.app-link-card dt { color: var(--muted); font: 9px var(--mono); text-transform: uppercase; }
.app-link-card dd { margin: 0; color: #9a6d00; font: 700 11px var(--mono); }
.product-payment-note { min-height: 40px; margin: -8px 0 20px; color: var(--muted); font-size: 11px; line-height: 1.5; }

@media (max-width: 1020px) {
  .app-rate-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .app-flow-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .app-details-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 820px) {
  .app-product-hero-grid { min-height: auto; grid-template-columns: 1fr minmax(240px, .7fr); gap: 22px; }
  .app-hero-stats { grid-template-columns: 1fr; gap: 9px; }
  .app-hero-stats > div { grid-template-columns: 1fr auto; align-items: baseline; }
  .app-hero-stats strong { text-align: right; }
  .loan-calculator { grid-template-columns: 1fr; }
  .loan-calculator-result { display: grid; grid-template-columns: 1fr 1fr; column-gap: 22px; }
  .loan-calculator-result .eyebrow, .loan-calculator-note { grid-column: 1 / -1; }
  .app-flow-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .app-links-grid { margin-top: 36px; }
}
@media (max-width: 620px) {
  .app-product-hero-grid { grid-template-columns: 1fr; padding-block: 42px 25px; }
  .app-product-hero h1 { font-size: 57px; }
  .app-product-copy { max-width: none; }
  .app-hero-stats { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; }
  .app-hero-stats > div { display: grid; gap: 5px; }
  .app-hero-stats strong { font-size: 10px; text-align: left; }
  .app-phone-preview { width: min(78%, 330px); }
  .app-details-grid > div { min-height: 98px; padding: 15px 13px; }
  .app-details-grid dt { font-size: 8px; }
  .app-details-grid dd { font-size: 12px; }
  .app-details-grid .app-details-grid-wide { grid-column: span 2; }
  .loan-calculator { padding: 21px 17px; }
  .loan-term-bands { grid-template-columns: 1fr; }
  .loan-calculator-result { display: block; padding: 20px; }
  .app-rate-grid { grid-template-columns: 1fr 1fr; gap: 9px; }
  .app-rate-grid article { min-height: 175px; padding: 17px 14px; }
  .app-rate-grid article > strong { font-size: 15px; }
  .app-sample-cost { grid-template-columns: 1fr; gap: 19px; padding: 22px 18px; }
  .app-flow-grid { grid-template-columns: 1fr; }
  .app-flow-grid article { min-height: 0; }
  .app-flow-grid h3 { margin-top: 12px; }
  .app-risk-panel { align-items: stretch; flex-direction: column; }
  .app-risk-panel .button { align-self: flex-start; }
  .app-links-grid { grid-template-columns: 1fr; }
  .app-link-card { padding: 24px 20px; }
  .app-link-card dl { gap: 7px; }
  .app-link-card dt { font-size: 8px; }
  .app-link-card dd { font-size: 9px; }
}
@media (prefers-reduced-motion: reduce) {
  .app-phone-preview { transition: none; }
  .app-phone-preview:hover { transform: none; }
}

/* Photo-led home hero and shared editorial image treatments */
.home-hero { display: grid; min-height: clamp(640px, 88svh, 900px); place-items: center; padding: 92px 0 108px; isolation: isolate; text-align: center; background: #101820; }
.home-hero::before { z-index: 0; top: auto; right: -180px; bottom: -430px; width: 760px; height: 760px; border-color: rgba(238,225,184,.23); }
.home-hero::after { z-index: 0; top: -390px; right: auto; left: -200px; width: 690px; height: 690px; border-color: rgba(217,230,219,.16); }
.hero-image { position: absolute; z-index: -2; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center 54%; animation: heroDrift 24s ease-in-out infinite alternate; }
.hero-shade { position: absolute; z-index: -1; inset: 0; background: linear-gradient(90deg, rgba(16,24,32,.78), rgba(16,24,32,.59) 48%, rgba(16,24,32,.73)), linear-gradient(0deg, rgba(16,24,32,.46), transparent 45%, rgba(16,24,32,.16)); }
.hero-content { position: relative; z-index: 2; max-width: 940px; }
.home-hero .eyebrow { justify-content: center; margin-bottom: 21px; }
.home-hero h1 { max-width: 880px; margin: 0 auto 22px; font-size: clamp(56px, 8vw, 104px); line-height: .98; text-wrap: balance; }
.hero-copy { max-width: 650px; margin: 0 auto; color: #e0e9e1; font-size: clamp(17px, 1.8vw, 21px); }
.hero-actions { justify-content: center; margin: 32px 0 22px; }
.hero-disclaimer { max-width: 650px; margin: 0 auto; color: #d1ddd3; font-size: 11px; }
.hero-scroll-cue { position: absolute; z-index: 3; bottom: 19px; left: 50%; display: flex; align-items: center; flex-direction: column; gap: 6px; transform: translateX(-50%); color: #dce7dd; font: 9px var(--mono); letter-spacing: .1em; text-decoration: none; text-transform: uppercase; }
.hero-scroll-cue:hover { color: var(--gold-soft); }
.scroll-cue-line { width: 1px; height: 31px; background: var(--gold); transform-origin: top; animation: cueFloat 1.9s ease-in-out infinite; }
@keyframes heroDrift { from { transform: scale(1); } to { transform: scale(1.055); } }
@keyframes cueFloat { 0%, 100% { transform: scaleY(.72); opacity: .65; } 50% { transform: scaleY(1); opacity: 1; } }

figure { margin: 0; }
.product-image { position: relative; height: clamp(175px, 23vw, 270px); margin: 0 0 29px; overflow: hidden; background: var(--sage); }
.product-image img { display: block; width: 100%; height: 100%; object-fit: cover; object-position: center 52%; transition: transform .8s cubic-bezier(.2,.7,.25,1); }
.product-image figcaption { position: absolute; right: 12px; bottom: 11px; padding: 5px 8px; color: var(--white); background: rgba(11,43,37,.78); font: 9px var(--mono); letter-spacing: .06em; text-transform: uppercase; }
.product-card:hover .product-image img, .product-image:focus-within img { transform: scale(1.045); }
.inline-photo { position: relative; margin: 31px 0 38px; overflow: hidden; background: var(--sage); }
.inline-photo img { display: block; width: 100%; height: clamp(210px, 30vw, 340px); object-fit: cover; object-position: center 52%; transition: transform .9s cubic-bezier(.2,.7,.25,1); }
.inline-photo:hover img { transform: scale(1.035); }
.inline-photo figcaption { position: absolute; right: 12px; bottom: 12px; padding: 6px 9px; color: #fff; background: rgba(11,43,37,.8); font: 9px var(--mono); letter-spacing: .05em; text-transform: uppercase; }
.inline-photo--wide img { height: clamp(250px, 38vw, 440px); }
.process-photo { display: grid; grid-template-columns: minmax(0, 1.5fr) minmax(170px, .5fr); align-items: center; gap: 25px; margin-top: 57px; padding: 17px; background: var(--sage-pale); border: 1px solid var(--line); }
.process-photo img { display: block; width: 100%; aspect-ratio: 1.9; object-fit: cover; }
.process-photo figcaption { padding: 15px; color: var(--pine); font-family: var(--display); font-size: 23px; line-height: 1.16; }

/* Small, purposeful motion across page modules */
.button:active { transform: translateY(0) scale(.985); }
.principle, .step, .eligibility-item, .contact-row, .faq-item, .side-note, .product-card { transition: transform .28s ease, background-color .28s ease, border-color .28s ease, box-shadow .28s ease; }
.principle:hover { transform: translateY(-4px); background: rgba(255,254,250,.58); }
.step:hover { border-color: var(--gold); }
.step:hover::before { box-shadow: 0 0 0 5px rgba(216,180,98,.18); }
.eligibility-item:hover { transform: translateY(-3px); box-shadow: 0 9px 24px rgba(18,61,52,.08); }
.faq-item[open] { border-color: #afc1b2; }
.faq-item summary { transition: color .18s ease; }
.faq-item summary:hover { color: #527362; }
.faq-item[open] p { animation: faqReveal .24s ease both; }
@keyframes faqReveal { from { opacity: 0; transform: translateY(-5px); } to { opacity: 1; transform: translateY(0); } }
.primary-nav.is-open { animation: navDrop .22s ease-out both; }
@keyframes navDrop { from { opacity: 0; transform: translateY(-7px); } to { opacity: 1; transform: translateY(0); } }
.motion-enabled .motion-item { opacity: 0; transform: translateY(22px); transition: opacity .62s ease var(--motion-delay, 0ms), transform .62s cubic-bezier(.2,.7,.25,1) var(--motion-delay, 0ms); }
.motion-enabled .motion-item.is-visible { opacity: 1; transform: translateY(0); }

@media (max-width: 820px) {
  .home-hero { min-height: min(800px, 84svh); padding: 90px 0 105px; }
  .home-hero h1 { font-size: clamp(54px, 10vw, 82px); }
  .hero-image { object-position: center 56%; }
  .process-photo { grid-template-columns: 1fr; gap: 5px; }
  .process-photo figcaption { padding: 13px 8px 8px; }
}
@media (max-width: 560px) {
  .home-hero { min-height: min(740px, 83svh); padding: 76px 0 96px; }
  .home-hero h1 { font-size: clamp(46px, 13.2vw, 68px); }
  .hero-copy { font-size: 16px; }
  .hero-actions { display: flex; flex-direction: column; align-items: stretch; }
  .hero-actions .button { width: 100%; }
  .hero-disclaimer { font-size: 10px; }
  .hero-image { object-position: center 54%; }
  .inline-photo img, .inline-photo--wide img { height: 235px; }
  .process-photo { margin-top: 38px; }
}
@media (prefers-reduced-motion: reduce) {
  .hero-image, .scroll-cue-line { animation: none !important; }
  .motion-enabled .motion-item { opacity: 1 !important; transform: none !important; }
  .principle:hover, .eligibility-item:hover, .button:hover, .button:active { transform: none; }
  .product-card:hover .product-image img, .inline-photo:hover img { transform: none; }
}