:root{
    --bg:#FFFFFF; --bg-2:#F7F7F8; --card:#F3F3F5; --card-2:#ECECF0;
    --ink:#111111; --muted:#4B4F5A; --line:rgba(0,0,0,.08);
    --o1:#C4B5FD; --o2:#7C3AED; --o3:#0EA5E9;
    --grad:linear-gradient(135deg,#C4B5FD 0%,#7C3AED 45%,#0EA5E9 100%);
    --grad-h:linear-gradient(90deg,#7C3AED,#3B82F6,#06B6D4);
    --glow:0 0 30px rgba(124,58,237,.25);
    --display:"Poppins","Segoe UI",system-ui,sans-serif;
    --body:"Poppins","Segoe UI",system-ui,sans-serif;
    --container:1120px;
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth;overflow-x:clip;scroll-padding-top:90px}
  body{padding-top:72px;font-family:var(--body);font-weight:400;color:var(--ink);background:var(--bg);line-height:1.7;-webkit-font-smoothing:antialiased;overflow-x:clip;position:relative}
  a{color:inherit;text-decoration:none}
  img,svg{display:block;max-width:100%}
  button,input,select{font:inherit;color:inherit}
  .container{width:min(var(--container),calc(100% - 48px));margin-inline:auto;position:relative;z-index:1}
  section{position:relative;padding:90px 0;overflow:hidden}
  p{color:var(--muted);font-size:14.5px}
  .display{font-family:var(--display);font-weight:700;text-transform:uppercase;letter-spacing:.08em;line-height:1.25}
  .sec-title{font-family:var(--display);font-weight:700;font-size:clamp(22px,2.6vw,30px);letter-spacing:.12em;text-transform:uppercase;text-align:center;background:linear-gradient(90deg,#7C3AED,#2563EB 50%,#06B6D4);-webkit-background-clip:text;background-clip:text;color:transparent;filter:drop-shadow(0 6px 14px rgba(124,58,237,.18))}
  .sec-sub{text-align:center;font-size:10px;letter-spacing:.32em;text-transform:uppercase;color:#3F434D;margin-top:8px}
  .sec-head{margin-bottom:56px}
  .eyebrow{font-size:10.5px;letter-spacing:.3em;text-transform:uppercase;color:#3F434D}
  h3.big{font-family:var(--body);font-weight:600;font-size:22px;color:#111;line-height:1.3}
  .lead{max-width:60ch}
  .btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 30px;border-radius:10px;font-size:13px;font-weight:600;color:#fff;background:#111;border:0;box-shadow:0 10px 24px -10px rgba(0,0,0,.35);cursor:pointer;transition:background .2s,transform .2s,box-shadow .2s;-webkit-appearance:none;appearance:none}
  .btn:hover{background:#2A2F45;color:#fff;transform:translateY(-2px);box-shadow:0 14px 28px -10px rgba(0,0,0,.4)}
  .btn--grad{background:linear-gradient(90deg,#8B5CF6 0%,#5B5BF6 45%,#2F7BFF 100%);box-shadow:0 12px 26px -10px rgba(91,91,246,.55)}
  .btn--grad:hover{background:linear-gradient(90deg,#7C4DF0 0%,#4F4FE8 45%,#2669F0 100%);box-shadow:0 16px 30px -10px rgba(91,91,246,.6)}
  .gcard{background:linear-gradient(#fff,#fff) padding-box,var(--grad) border-box;border:1px solid transparent;border-radius:8px}
  .glow{position:absolute;border-radius:50%;filter:blur(90px);pointer-events:none;z-index:0;background:radial-gradient(circle,rgba(139,92,246,.35),rgba(56,189,248,.22) 45%,transparent 70%)}
  .sr{position:absolute;left:-9999px}
  .skip{position:absolute;left:-9999px;top:8px;z-index:100;background:#111;color:#fff;padding:10px 14px;border-radius:8px;font-size:13px;font-weight:600}
  .skip:focus{left:12px}

  /* NAV */
  .nav{position:fixed;top:0;left:0;right:0;z-index:20;padding:14px 0;background:rgba(255,255,255,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
  .nav .container{display:flex;align-items:center;justify-content:space-between;gap:24px}
  .logo{font-family:var(--display);font-weight:700;font-size:20px;letter-spacing:.02em;background:var(--grad-h);-webkit-background-clip:text;background-clip:text;color:transparent;text-transform:none;white-space:nowrap}
  .nav__links{display:flex;align-items:center;gap:6px;font-size:13.5px;font-weight:500;color:#111;white-space:nowrap}
  .nav__links>a,.mnav__body>a,.nav__links .dd>button{display:inline-flex;align-items:center;gap:6px;padding:10px 14px;border-radius:10px;color:#111;background:none;border:0;font:inherit;font-weight:500;cursor:pointer}
  .nav__links>a:hover,.mnav__body>a:hover,.nav__links .dd>button:hover,.nav__links .dd.open>button{background:#F3F4F8;color:#111}
  .dd{position:relative}
  .dd>button svg{width:12px;height:12px;stroke:#111;fill:none;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round;transition:transform .2s}
  .dd.open>button svg{transform:rotate(180deg)}
  .dd__panel{white-space:normal;display:none;position:absolute;left:0;top:calc(100% + 10px);background:#fff;border:1px solid #ECEEF5;border-radius:18px;box-shadow:0 30px 70px -20px rgba(30,64,175,.3);padding:20px;z-index:30}
  .dd.open>.dd__panel{display:grid}
  .dd__panel--loans{grid-template-columns:repeat(3,200px);gap:8px 28px;width:max-content}
  .dd__panel--res{grid-template-columns:200px 240px;gap:8px 24px;width:calc(200px + 240px + 24px + 40px)}
  .dd__panel--res>div:first-child{grid-column:1;grid-row:1}
  .dd__panel .dd__h{font-family:var(--body);font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:#5A5E69;font-weight:600;margin:4px 0 8px}
  .dd__panel ul{list-style:none;display:grid;gap:2px}
  .dd__panel li a{display:block;padding:8px 10px;border-radius:8px;font-size:13.5px;color:#111}
  .dd__panel li a:hover{background:#F3F4F8;color:#4F46E5}
  .dd__panel li a.more{color:#4F46E5;font-weight:600}
  .dd__foot{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:10px;padding-top:14px;border-top:1px solid #ECEEF5}
  .dd__card{display:flex;align-items:center;gap:12px;padding:12px 14px;border-radius:12px;background:linear-gradient(135deg,#F5F3FF,#EEF2FF 60%,#E0F2FE);color:#111;font-size:13px;font-weight:600}
  .dd__card i{width:34px;height:34px;border-radius:10px;background:#fff;display:grid;place-items:center;flex:none}
  .dd__card i svg{width:18px;height:18px;stroke:#4F46E5;fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
  .dd__card span{display:block;font-size:11.5px;font-weight:400;color:#4B4F5A}
  .dd__promo{grid-column:2;grid-row:1;align-self:stretch;width:240px;display:flex;flex-direction:column;justify-content:space-between;padding:16px;border-radius:14px;background:#0F1220;color:#fff}
  .dd__promo small{font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:#A78BFA;font-weight:600}
  .dd__promo b{display:block;font-size:14px;font-weight:600;margin:8px 0 6px;line-height:1.35}
  .dd__promo p{font-size:12px;color:rgba(255,255,255,.7);line-height:1.5}
  .dd__promo a{display:inline-block;margin-top:12px;font-size:12.5px;font-weight:600;color:#C4B5FD}
  .nav__right{display:flex;align-items:center;gap:14px}
  .nav .btn{padding:10px 20px;font-size:13px;white-space:nowrap}
  .nav__toggle{display:none;background:none;border:0;font-size:22px;cursor:pointer;line-height:1}
  .m-only{display:none!important}
  .mnav__body{display:contents}
  /* HERO (L2) */
  .hero{position:relative;overflow:hidden;background:#fff;padding:0;min-height:calc(100vh - 72px);min-height:calc(100svh - 72px);display:flex;align-items:center}
  .hero__bg{position:absolute;inset:0;z-index:0;pointer-events:none}
  .hero{--push:max(0px,calc(0.62 * (100vh - 72px) - 32vw))}
  .hero__bg img{position:absolute;right:0;top:0;width:100%;height:100%;object-fit:cover;object-position:calc(100% + var(--push)) 28%}
  .hero__bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,255,255,.97) 0%,rgba(255,255,255,.95) 38%,rgba(255,255,255,.65) 48%,rgba(255,255,255,.1) 60%,rgba(255,255,255,0) 70%)}
  .hero .container{z-index:2;padding-top:40px;padding-bottom:56px;width:min(var(--container),calc(100% - 48px))}
  .hero__top{max-width:760px}
  .hero .kicker{display:inline-block;font-size:10.5px;letter-spacing:.3em;text-transform:uppercase;color:#3F434D;margin-bottom:18px}
  .hero h1{font-size:clamp(44px,5.8vw,84px);font-weight:700;line-height:.98;letter-spacing:-.045em;color:#111;margin-bottom:26px}
  .hero h1 em{font-style:normal;font-weight:400;color:#3F434D}
  .hero h1 span{background:linear-gradient(90deg,#7C3AED,#2563EB);-webkit-background-clip:text;background-clip:text;color:transparent}
  .hero p.lead{font-size:16px;color:#444;line-height:1.7;max-width:52ch;margin-bottom:26px}
  .hero__cta{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:12px}
  .hero__cta .btn{padding:15px 26px;font-size:14px;border-radius:12px;gap:10px;font-weight:600}
  .hero__cta .btn--grad{box-shadow:0 14px 30px -12px rgba(91,91,246,.6)}
  .btn--white{background:#fff;color:#111;border:1px solid #E8E8F2;box-shadow:0 10px 24px -12px rgba(0,0,0,.15)}
  .btn--white:hover{background:#fff;color:var(--o2);border-color:var(--o1);transform:translateY(-2px);box-shadow:0 14px 28px -12px rgba(91,91,246,.35)}
  .hero__note{font-size:13px;color:#5A5E69;margin-bottom:40px}
  .hero__cells{display:grid;grid-template-columns:repeat(3,auto);justify-content:start;border-top:1px solid rgba(0,0,0,.1);max-width:840px}
  .cell{padding:26px 28px 6px 0;border-right:1px solid rgba(0,0,0,.1);margin-right:28px}
  .cell:last-child{border-right:0;margin-right:0}
  .cell small{display:block;font-size:10.5px;letter-spacing:.25em;text-transform:uppercase;color:#5A5E69;font-weight:600;margin-bottom:8px}
  .cell b{display:block;font-size:22px;font-weight:700;letter-spacing:-.02em;margin-bottom:4px;color:#111;white-space:nowrap}
  .cell span{font-size:13.5px;color:#3F434D}
  .scrollcue{display:inline-flex;align-items:center;gap:12px;margin-top:34px;font-size:10.5px;letter-spacing:.3em;text-transform:uppercase;color:#3F434D;font-weight:600;text-decoration:none}
  .scrollcue i{width:36px;height:36px;border-radius:50%;border:1.5px solid #C7D2FE;background:#fff;display:grid;place-items:center;transition:transform .2s,border-color .2s}
  .scrollcue i::after{content:"";width:7px;height:7px;border-right:2px solid #5B5BF6;border-bottom:2px solid #5B5BF6;transform:rotate(45deg);margin-top:-3px}
  .scrollcue:hover i{transform:translateY(3px);border-color:#5B5BF6}
  /* quick select strip */
  .quick{padding:64px 0 24px;margin-top:0;position:relative;z-index:3;background:#fff}
  .quick__wrap{background:none;border:0;padding:0;box-shadow:none;width:100%;margin:0}
  .quick__head{display:flex;align-items:baseline;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-bottom:18px}
  .quick__head h2{font-family:var(--body);font-size:20px;font-weight:600;color:#111;margin:0}
  .quick__head span{font-size:12.5px;color:#5A5E69}
  .quick__grid{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}
  .quick__grid a{position:relative;display:block;padding:20px 40px 18px 20px;text-align:left;background:#fff;border:1px solid #E6E8F0;border-radius:16px;transition:transform .2s,box-shadow .2s,background .2s}
  .quick__grid a:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(99,102,241,.14);border-color:#C7D2FE}
  .quick__grid a i{display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:#E9E6FF;margin-bottom:16px}
  .quick__grid a svg{width:22px;height:22px;stroke:#3B5BDB;fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
  .quick__grid a b{display:block;font-weight:700;font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:#111;line-height:1.3}
  .quick__grid a span{display:block;font-size:13px;color:#4B4F5A;margin-top:5px}
  .quick__grid a::after{content:"";position:absolute;right:18px;bottom:36px;width:8px;height:8px;border-right:2.2px solid #111;border-bottom:2.2px solid #111;transform:rotate(-45deg)}
  .quick__grid a.is-primary{background:linear-gradient(135deg,#8B5CF6 0%,#5B5BF6 50%,#2F7BFF 100%);border-color:transparent;box-shadow:0 16px 34px rgba(91,91,246,.3)}
  .quick__grid a.is-primary i{background:rgba(255,255,255,.25)}
  .quick__grid a.is-primary svg{stroke:#fff}
  .quick__grid a.is-primary b,.quick__grid a.is-primary span{color:#fff}
  .quick__grid a.is-primary span{color:rgba(255,255,255,.85)}
  .quick__grid a.is-primary::after{border-color:#fff}

  /* PRODUCT STAGE (roadmap) */
  .roadmap .container{display:grid;grid-template-columns:1.05fr 1fr;gap:60px;align-items:center;margin-top:20px}
  .rm-stage{position:relative;height:460px}
  .rm-card{position:absolute;width:190px;height:290px;padding:22px 18px;background:#F3F3F5;border:1px solid #E5E5E5;transform:skewY(-9deg);overflow:hidden;box-shadow:0 30px 60px rgba(0,0,0,.12);color:#111}
  .rm-card::before{content:"";position:absolute;inset:-40% -20% auto -20%;height:120%;background:repeating-radial-gradient(ellipse at 30% 0%,transparent 0 9px,rgba(124,58,237,.22) 9px 10px);opacity:.9;pointer-events:none}
  .rm-card > *{position:relative}
  .rm-card--1{left:0;top:40px}
  .rm-card--2{left:150px;top:100px;background:#fff}
  .rm-card--3{left:300px;top:160px}
  .rm-badge{width:60px;height:60px;border-radius:50%;background:#fff;border:1px solid var(--o2);display:grid;place-items:center;text-align:center;font-size:7px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;line-height:1.25;color:#111;margin-bottom:14px}
  .rm-card b{display:block;font-family:var(--display);font-weight:700;font-size:14px;line-height:1.25;color:#111;margin-bottom:8px}
  .rm-card p{font-size:10.5px;line-height:1.45;color:#3F434D}
  .rm-card .go{display:inline-block;margin-top:10px;font-size:10.5px;font-weight:500;color:var(--o2);border-bottom:1px solid var(--o2)}
  .roadmap h2{font-family:var(--body);font-weight:600;font-size:24px;color:#111;line-height:1.3}
  .roadmap .eyebrow{margin:8px 0 22px}
  .roadmap p + p{margin-top:14px}
  .roadmap .btn{margin-top:26px}
  .callout{margin-top:24px;padding:16px 18px;border-left:3px solid var(--o2);background:#F7F7F8;border-radius:0 8px 8px 0}
  .callout p{font-size:12.5px;color:#333}
  .callout b{color:#111;font-weight:600}

  /* TIERS (plans) */
  .offers .container{display:grid;grid-template-columns:1fr 1.15fr;gap:70px;align-items:center}
  .offers .eyebrow{margin:8px 0 20px}
  .plans{display:grid;gap:14px}
  .plan{display:grid;grid-template-columns:36px 1fr auto;align-items:center;gap:18px;background:#fff;border:1px solid #E5E5E5;border-radius:8px;padding:12px 18px 12px 12px;box-shadow:0 12px 30px rgba(0,0,0,.06);transition:transform .2s,box-shadow .2s}
  .plan:hover{transform:translateY(-2px);box-shadow:0 16px 36px rgba(124,58,237,.14)}
  .plan__tab{align-self:stretch;background:var(--grad);border-radius:3px;display:grid;place-items:center;font-family:var(--display);font-size:8px;font-weight:700;letter-spacing:.1em;color:#fff;writing-mode:vertical-rl;transform:rotate(180deg);padding:8px 0}
  .plan__name{font-family:var(--display);font-weight:600;font-size:12px;letter-spacing:.08em;color:#111;margin-bottom:8px}
  .plan__rows{display:grid;grid-template-columns:1fr 1fr;gap:6px 20px;font-size:11px}
  .plan__rows span{display:block;color:#5A5E69;letter-spacing:.04em}
  .plan__rows b{display:block;color:#111;font-weight:600;font-size:13px}
  .plan__use{font-size:12.5px;color:#4B4F5A;margin-top:6px}
  .plan__pct{font-family:var(--display);font-weight:700;font-size:38px;color:transparent;-webkit-text-stroke:1.5px #BDBDBD;line-height:1;padding-right:6px;white-space:nowrap}
  .plan:hover .plan__pct{-webkit-text-stroke:1.5px var(--o2)}
  .terms{margin-top:22px;border:1px solid #E5E5E5;border-radius:8px;overflow:hidden;background:#fff}
  .terms div{display:grid;grid-template-columns:1fr 1.4fr;gap:12px;padding:10px 14px;font-size:12.5px;border-top:1px solid var(--line)}
  .terms div:first-child{border-top:0}
  .terms span{color:#5A5E69}
  .terms b{font-weight:500;color:#111}

  /* CALCULATOR (Y2) */
  .calc{position:relative;overflow:hidden;background:#fff;padding:0;min-height:720px}
  .calc__bg{position:absolute;inset:0;z-index:0;pointer-events:none}
  .calc__bg img{width:100%;height:100%;object-fit:cover;object-position:68% 40%}
  .calc__bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,255,255,.97) 0%,rgba(255,255,255,.95) 40%,rgba(255,255,255,.6) 52%,rgba(255,255,255,.1) 66%,rgba(255,255,255,0) 78%)}
  .calc .container{z-index:2;padding:80px 0 70px;display:flex;justify-content:flex-start}
  .calc__col{width:min(560px,100%)}
  .calc h2{font-family:var(--body);font-size:clamp(30px,3.4vw,46px);font-weight:700;letter-spacing:-.03em;line-height:1.08;color:#111;margin-bottom:8px}
  .calc .kicker{display:inline-block;font-size:10.5px;letter-spacing:.3em;text-transform:uppercase;color:#4B4F5A;margin-bottom:12px}
  .calc p.lead{font-size:15px;color:#3F434D;line-height:1.7;max-width:44ch;margin-bottom:24px}
  .crow2{display:grid;grid-template-columns:150px 1fr;gap:20px;align-items:center;background:#fff;border:1px solid #ECEEF5;border-radius:18px;padding:16px 20px;margin-bottom:10px;box-shadow:0 12px 30px -20px rgba(30,64,175,.25)}
  .crow2 .k{font-size:12px;font-weight:600;color:#4B4F5A;letter-spacing:.04em;text-transform:uppercase}
  .crow2 .k b{display:block;font-size:20px;color:#111;font-weight:700;letter-spacing:-.02em;text-transform:none;margin-top:2px;white-space:nowrap}
  .crow2 input[type=range]{width:100%;margin:0;-webkit-appearance:none;appearance:none;height:6px;border-radius:99px;background:linear-gradient(90deg,#8B5CF6 0,#2F7BFF var(--f,27%),#ECEEF5 var(--f,27%));outline:none}
  .crow2 input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:#fff;border:2px solid #5B5BF6;box-shadow:0 6px 16px rgba(91,91,246,.35);cursor:pointer}
  .crow2 input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:2px solid #5B5BF6;box-shadow:0 6px 16px rgba(91,91,246,.35);cursor:pointer}
  .seg{display:flex;gap:6px;background:#F3F4F8;padding:5px;border-radius:12px}
  .seg button{flex:1;text-align:center;padding:9px 6px;border-radius:9px;font-size:12.5px;font-weight:500;color:#3F434D;background:none;border:0;cursor:pointer;font-family:var(--body);transition:background .15s,color .15s}
  .seg button[aria-pressed=true]{background:#fff;color:#111;font-weight:600;box-shadow:0 4px 12px rgba(0,0,0,.08)}
  .calc__result{margin-top:14px;background:linear-gradient(135deg,#7C3AED,#5B5BF6 50%,#2F7BFF);color:#fff;border-radius:18px;padding:20px 24px;display:grid;grid-template-columns:auto 1fr auto;gap:22px;align-items:center;box-shadow:0 24px 50px -18px rgba(91,91,246,.5)}
  .calc__result small{display:block;font-size:10px;letter-spacing:.25em;text-transform:uppercase;opacity:.85;font-weight:600;margin-bottom:4px}
  .calc__result .pay{font-size:40px;font-weight:700;letter-spacing:-.03em;line-height:1}
  .calc__result .kv{font-size:12px;opacity:.9;line-height:1.6}
  .calc__result .kv b{font-weight:600;opacity:1}
  .calc__result .btn{background:#fff;color:#111;box-shadow:0 8px 18px -8px rgba(0,0,0,.35);border-radius:12px;padding:14px 22px;font-size:14px;font-weight:600}
  .calc__result .btn:hover{background:#111;color:#fff}
  .calc__note{font-size:12.5px;color:#4B4F5A;margin-top:12px;line-height:1.5}
  .more-link{display:inline-flex;align-items:center;gap:6px;font-size:13.5px;font-weight:600;color:#4F46E5;margin-top:14px}
  .more-link:hover{text-decoration:underline;text-underline-offset:3px}
  /* HOW IT WORKS (start) */
  .start .container{display:grid;grid-template-columns:1.15fr 1fr;gap:70px;align-items:center}
  .steps{display:grid;gap:16px}
  .step{display:grid;grid-template-columns:76px 1fr;gap:18px;align-items:center;padding:16px 40px 16px 16px;background:linear-gradient(90deg,#F3F3F5,#FAFAFB);clip-path:polygon(0 0,96% 0,100% 50%,96% 100%,0 100%);border-left:3px solid var(--o2)}
  .step:nth-child(2){margin-left:24px}.step:nth-child(3){margin-left:48px}
  .step__num{width:76px;height:76px;border-radius:6px;background:#111;display:grid;place-items:center;font-family:var(--display);font-weight:700;font-size:34px;color:#fff}
  .step b{display:block;font-weight:600;font-size:15px;color:#111;margin-bottom:4px}
  .step p{font-size:13px;line-height:1.55}
  .start__mark{display:flex;align-items:center;gap:18px;margin-bottom:22px}
  .start__mark i{width:44px;height:44px;border-radius:50%;background:var(--grad);box-shadow:var(--glow)}
  .start__mark .display{font-size:22px;color:#111}
  .start .eyebrow{margin:4px 0 16px}
  .start .btn{margin-top:24px}

  /* LOAN TYPES (accordion) */
  .types{background:#F7F8FB;padding:96px 0}
  .types .kicker{display:inline-block;font-size:10.5px;letter-spacing:.3em;text-transform:uppercase;color:#4B4F5A;margin-bottom:12px}
  .types h2{font-family:var(--body);font-size:clamp(30px,3.4vw,42px);font-weight:700;letter-spacing:-.03em;line-height:1.08;color:#111}
  .types__top{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:end;margin-bottom:26px}
  .types__top p{font-size:14.5px;color:#3F434D;line-height:1.7}
  .grp{background:#fff;border:1px solid #ECEEF5;border-radius:16px;margin-bottom:10px;overflow:hidden}
  .grp__t{list-style:none;width:100%;display:flex;justify-content:space-between;align-items:center;padding:16px 20px;font-family:var(--body);font-size:15px;font-weight:600;color:#111;background:none;border:0;cursor:pointer;text-align:left}
  .grp__t::-webkit-details-marker{display:none}
  .grp__t small{font-weight:500;color:#5A5E69;font-size:12px;margin-left:10px}
  .grp__t i{font-style:normal;font-size:20px;color:#4F46E5;line-height:1;transition:transform .2s}
  .grp[open] .grp__t i{transform:rotate(45deg)}
  .grp__b{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;padding:12px 20px 18px;border-top:1px solid #F1F2F7}
  .grp__b a{display:block;background:#F7F8FB;border-radius:12px;padding:12px 14px;transition:background .15s,transform .15s}
  .grp__b a:hover{background:#EEF2FF;transform:translateY(-2px)}
  .grp__b b{display:block;font-size:13.5px;font-weight:600;color:#111}
  .grp__b em{display:block;font-style:normal;font-size:11.5px;font-weight:600;letter-spacing:.04em;background:linear-gradient(90deg,#7C3AED,#2563EB);-webkit-background-clip:text;background-clip:text;color:transparent;margin-top:2px}
  .grp__b span{display:block;font-size:13px;color:#4B4F5A;margin-top:4px;line-height:1.5}
  .caution{margin-top:16px;font-size:13px;color:#3F434D;background:#fff;border:1px solid #ECEEF5;border-radius:12px;padding:12px 16px;line-height:1.6}
  .caution b{color:#111;font-weight:600}
  @media (max-width:1024px){.types__top{grid-template-columns:1fr;gap:12px}.grp__b{grid-template-columns:1fr 1fr}}
  @media (max-width:640px){.types{padding:64px 0}.grp__b{grid-template-columns:1fr}}
  /* COMPARE chart + table */
  .chart{position:relative;margin-top:10px}
  .chart svg{width:100%;height:auto;overflow:visible}
  .chart .axis{stroke:rgba(0,0,0,.1);stroke-width:1}
  .chart .lbl{font-family:var(--body);font-size:12.5px;font-weight:500;fill:#111}
  .chart .num{font-family:var(--display);font-size:11px;font-weight:700;fill:#111}
  .chart .bar{fill:url(#gbar)}
  .chart .bar--hi{fill:#111}
  .tbl{margin-top:36px;overflow-x:auto;border:1px solid #E5E5E5;border-radius:8px;background:#fff}
  table{width:100%;border-collapse:collapse;font-size:13px;min-width:640px}
  th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top;color:#333}
  th{font-family:var(--display);font-weight:600;font-size:10.5px;letter-spacing:.08em;text-transform:uppercase;color:#111;background:#F7F7F8}
  td.k{font-weight:500;color:#111}
  tr:last-child td{border-bottom:0}

  /* ELIGIBILITY */
  .what{padding:96px 0;background:#fff}
  .what .container{display:grid;grid-template-columns:44% 56%;gap:0;align-items:center;position:relative}
  .what .container::before{content:"";position:absolute;left:44%;top:0;bottom:0;width:2px;background:#5B5BF6;transform:translateX(-1px)}
  .what__text{padding-left:56px}
  .what__side{display:flex;flex-direction:column;align-items:flex-start;padding-right:56px}
  .what .kicker{display:inline-block;font-size:10.5px;letter-spacing:.3em;text-transform:uppercase;color:#4B4F5A;margin-bottom:12px}
  .what h2{font-family:var(--body);font-size:clamp(28px,2.9vw,40px);font-weight:700;letter-spacing:-.03em;line-height:1.08;color:#111;margin-bottom:14px;white-space:nowrap}
  .what p{font-size:14.5px;color:#3F434D;line-height:1.7}
  .what ul{list-style:none;display:grid;gap:9px;margin:18px 0 22px;font-size:14px}
  .what li{display:flex;gap:10px;align-items:flex-start;color:#111}
  .what li i{flex:none;width:22px;height:22px;border-radius:50%;background:linear-gradient(135deg,#8B5CF6,#3B82F6);display:grid;place-items:center;margin-top:1px}
  .what li svg{width:11px;height:11px;stroke:#fff;fill:none;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
  .what h3{font-family:var(--body);font-weight:600;font-size:15px;color:#111;margin:18px 0 6px}
  .what__photo{position:relative;width:100%;max-width:440px;aspect-ratio:749/941;border-radius:28px;overflow:hidden;box-shadow:0 40px 80px -30px rgba(30,64,175,.35);background:#E8F1FF}
  .what__photo img{width:100%;height:100%;object-fit:cover;display:block}
  .what__tag{position:absolute;left:18px;bottom:18px;right:18px;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border-radius:16px;padding:12px 16px;display:flex;gap:12px;align-items:center;font-size:13px;font-weight:600;color:#111}
  .what__tag i{width:36px;height:36px;border-radius:10px;background:#DCFCE7;display:grid;place-items:center;flex:none}
  .what__tag i svg{width:16px;height:16px;stroke:#15803D;fill:none;stroke-width:2.6;stroke-linecap:round;stroke-linejoin:round}
  .what__tag span{display:block;font-size:11.5px;color:#4B4F5A;font-weight:400}
  @media (max-width:1024px){.what .container{grid-template-columns:1fr;gap:32px}.what .container::before{display:none}.what__side{padding-right:0;margin-bottom:8px}.what__photo{max-width:420px}.what__text{border-left:2px solid #5B5BF6;padding-left:22px}.what h2{white-space:normal}}
  @media (max-width:640px){.what{padding:64px 0}}
  /* RATES (T3 dark) */
  .rates{padding:96px 0;background:#0F1220;color:#fff;position:relative;overflow:hidden}
  .rates::before{content:"";position:absolute;left:50%;top:-300px;width:900px;height:600px;transform:translateX(-50%);border-radius:50%;background:radial-gradient(circle,rgba(124,58,237,.35),transparent 65%);pointer-events:none}
  .rates .container{z-index:1}
  .rates__head{text-align:center;max-width:640px;margin:0 auto 44px}
  .rates .kicker{display:inline-block;font-size:10.5px;letter-spacing:.3em;text-transform:uppercase;color:#A78BFA;margin-bottom:12px}
  .rates h2{font-family:var(--body);font-size:clamp(30px,3.4vw,42px);font-weight:700;letter-spacing:-.03em;line-height:1.08;color:#fff}
  .rates__head p{color:rgba(255,255,255,.75);font-size:14.5px;line-height:1.7;margin-top:12px}
  .rates__nums{display:grid;grid-template-columns:repeat(4,1fr)}
  .rates__n{padding:8px 28px;border-left:1px solid rgba(255,255,255,.14)}
  .rates__n:first-child{border-left:0;padding-left:0}
  .rates__n b{display:block;font-size:clamp(30px,3.2vw,44px);font-weight:700;letter-spacing:-.04em;line-height:1;background:linear-gradient(90deg,#C4B5FD,#67E8F9);-webkit-background-clip:text;background-clip:text;color:transparent;white-space:nowrap}
  .rates__n span{display:block;font-size:13px;color:rgba(255,255,255,.72);margin-top:10px;line-height:1.5}
  .rates__foot{margin-top:40px;font-size:13.5px;color:rgba(255,255,255,.78);line-height:1.7;max-width:82ch}
  @media (max-width:1024px){.rates__nums{grid-template-columns:1fr 1fr;gap:24px 0}.rates__n:nth-child(3){border-left:0;padding-left:0}}
  @media (max-width:640px){.rates{padding:64px 0}.rates__nums{grid-template-columns:1fr;gap:18px}.rates__n{border-left:0;padding:0}}
  /* EXAMPLE cards (tx) */
  .tx-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px}
  .tx-head{display:flex;align-items:center;gap:22px;padding:12px 26px 12px 14px;border-radius:999px;background:#F3F3F5;border:1px solid var(--line);font-weight:600;font-size:16px;color:#111;margin-bottom:22px;width:max-content;min-width:320px}
  .tx-head i{width:38px;height:38px;border-radius:50%;background:#fff;border:1px solid #E5E5E5;display:grid;place-items:center}
  .tx-head svg{width:16px;height:16px;stroke:#111;fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
  .tx-card{border-radius:14px;padding:22px 24px;background:linear-gradient(135deg,#A78BFA 0%,#6366F1 45%,#0EA5E9 100%);color:#fff;box-shadow:0 20px 50px rgba(99,102,241,.3)}
  .tx-card b{display:block;font-family:var(--display);font-weight:600;font-size:13px;letter-spacing:.06em;color:#fff;margin-bottom:14px}
  .tx-row{display:flex;align-items:center;gap:12px;padding:10px 0;border-top:1px solid rgba(255,255,255,.28);font-size:13px;color:#fff;font-weight:400}
  .tx-row strong{margin-left:auto;font-family:var(--display);font-weight:600;font-size:14px;white-space:nowrap}
  .tx-card p{color:rgba(255,255,255,.9);font-size:12px;margin-top:12px}
  .tx-list{list-style:none;display:grid;gap:8px;font-size:13.5px;color:#111}
  .tx-list li{display:flex;gap:10px}
  .tx-list li::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--grad);flex:none;margin-top:9px}

  /* WHY (B1) */
  .why{padding:96px 0;background:#fff}
  .why .kicker{display:inline-block;font-size:10.5px;letter-spacing:.3em;text-transform:uppercase;color:#4B4F5A;margin-bottom:12px}
  .why h2{font-family:var(--body);font-size:clamp(30px,3.4vw,42px);font-weight:700;letter-spacing:-.03em;line-height:1.08;color:#111}
  .why__top{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:end;margin-bottom:36px}
  .why__top p{font-size:14.5px;color:#3F434D;line-height:1.7}
  .why__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
  .why__card{border:1px solid #ECEEF5;border-radius:18px;padding:24px;background:#fff;transition:border-color .2s,box-shadow .2s}
  .why__card:hover{border-color:#C7D2FE;box-shadow:0 20px 40px -24px rgba(30,64,175,.3)}
  .why__ico{width:46px;height:46px;border-radius:12px;background:#EEF2FF;display:grid;place-items:center}
  .why__ico svg{width:22px;height:22px;stroke:#4F46E5;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
  .why__card h3{font-family:var(--body);font-size:15px;font-weight:600;color:#111;margin:16px 0 6px}
  .why__card p{font-size:13.5px;color:#3F434D;line-height:1.6}
  .why__band{margin-top:20px;display:grid;grid-template-columns:1.35fr 1fr;gap:30px;align-items:center;background:#F7F8FB;border-radius:18px;padding:22px 26px}
  .why__band p{font-size:13.5px;color:#3F434D;line-height:1.65}
  .why__band p b{font-weight:600;color:#111}
  .why__band a{text-decoration:underline;text-underline-offset:3px;text-decoration-color:#7C3AED;color:#111;font-weight:500}
  .reviewer{display:flex;gap:14px;align-items:flex-start}
  .reviewer i{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,#8B5CF6,#2F7BFF);display:grid;place-items:center;font-style:normal;font-weight:700;font-size:12px;color:#fff;flex:none}
  .reviewer b{display:block;font-size:13.5px;font-weight:600;color:#111}
  .reviewer span{display:block;font-size:12px;color:#4B4F5A;line-height:1.5}
  @media (max-width:1024px){.why__top{grid-template-columns:1fr;gap:12px}.why__grid{grid-template-columns:1fr 1fr}.why__band{grid-template-columns:1fr}}
  @media (max-width:640px){.why{padding:64px 0}.why__grid{grid-template-columns:1fr}}
  /* REVIEWS (R1) */
  .reviews{background:#fff;padding:96px 0}
  .reviews .rv-head{text-align:center;max-width:640px;margin:0 auto 30px}
  .reviews .kicker{display:inline-block;font-size:10.5px;letter-spacing:.3em;text-transform:uppercase;color:#4B4F5A;margin-bottom:12px}
  .reviews h2{font-family:var(--body);font-size:clamp(30px,3.4vw,42px);font-weight:700;letter-spacing:-.03em;line-height:1.08;color:#111;margin-bottom:8px}
  .reviews .rv-head p{font-size:14.5px;color:#3F434D;line-height:1.7}
  .stars{display:inline-flex;gap:3px}
  .stars i{width:20px;height:20px;border-radius:3px;background:#00B67A;display:grid;place-items:center;flex:none}
  .stars i.off{background:#DCDCE6}
  .stars i svg{width:13px;height:13px;fill:#fff;display:block}
  .stars.lg i{width:26px;height:26px;border-radius:4px}.stars.lg i svg{width:17px;height:17px}
  .stars.sm i{width:15px;height:15px;border-radius:2px}.stars.sm i svg{width:10px;height:10px}
  .rv-strip{display:grid;grid-template-columns:auto 1fr 1fr 1fr auto;gap:0;align-items:center;background:#F7F8FB;border-radius:18px;padding:14px 22px;margin-bottom:28px}
  .rv-strip .sc{display:flex;align-items:center;gap:12px;padding-right:22px;border-right:1px solid #E6E8F0}
  .rv-strip .sc b{font-size:34px;font-weight:700;letter-spacing:-.03em;color:#111}
  .rv-strip .sc span{font-size:12px;color:#4B4F5A;line-height:1.4}
  .rv-strip .src{display:flex;align-items:center;justify-content:center;gap:10px;font-size:13px;font-weight:600;color:#333}
  .rv-strip .src small{font-weight:500;color:#5A5E69;font-size:12.5px}
  .rv-strip .btn{background:#111;color:#fff;border-radius:12px;padding:13px 22px;font-size:14px;font-weight:600}
  .rv-view{overflow:hidden;margin:0 -6px;padding:6px}
  .rv-track{display:flex;gap:18px;transition:transform .5s cubic-bezier(.4,0,.2,1)}
  .rv-card{flex:none;width:calc((100% - 36px)/3);background:#fff;border:1px solid #ECEEF5;border-radius:20px;padding:26px 24px 20px;position:relative;box-shadow:0 14px 34px -24px rgba(30,64,175,.25);display:flex;flex-direction:column}
  .rv-card::before{content:"\201C";position:absolute;right:22px;top:6px;font-size:84px;font-weight:700;line-height:1;background:linear-gradient(90deg,#C4B5FD,#93C5FD);-webkit-background-clip:text;background-clip:text;color:transparent;opacity:.8;font-family:var(--body)}
  .rv-card h3{font-family:var(--body);font-size:15px;font-weight:600;color:#111;margin:12px 0 8px;line-height:1.35}
  .rv-card p{font-size:14px;color:#444;line-height:1.65;margin-bottom:16px}
  .rv-who{display:flex;align-items:center;gap:12px;padding-top:14px;border-top:1px solid #F1F2F7;margin-top:auto}
  .rv-av{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;font-weight:600;font-size:14px;color:#fff;flex:none;background:linear-gradient(135deg,#8B5CF6,#2F7BFF)}
  .rv-av.b{background:linear-gradient(135deg,#0EA5E9,#6366F1)}.rv-av.c{background:linear-gradient(135deg,#F59E0B,#EF4444)}.rv-av.d{background:linear-gradient(135deg,#10B981,#0EA5E9)}.rv-av.e{background:linear-gradient(135deg,#EC4899,#8B5CF6)}.rv-av.f{background:linear-gradient(135deg,#6366F1,#14B8A6)}
  .rv-who b{display:block;font-size:13.5px;font-weight:600;color:#111}
  .rv-who span{font-size:12px;color:#5A5E69}
  .rv-who .src{margin-left:auto;font-size:11px;color:#5A5E69;white-space:nowrap}
  .rv-nav{display:flex;justify-content:center;align-items:center;gap:18px;margin-top:22px}
  .rv-dots{display:flex;gap:8px}
  .rv-dots i{width:8px;height:8px;border-radius:50%;background:#D9DCE8;cursor:pointer}
  .rv-dots i.on{background:#5B5BF6}
  .rv-nav button{width:36px;height:36px;border-radius:50%;border:1px solid #E6E8F0;background:#fff;cursor:pointer;font-size:16px;color:#111;display:grid;place-items:center}
  .rv-nav button:hover{border-color:#5B5BF6;color:#5B5BF6}
  .rv-note{text-align:center;font-size:12.5px;color:#4B4F5A;margin-top:16px;line-height:1.5}
  @media (max-width:1024px){.rv-strip{grid-template-columns:1fr 1fr;gap:12px}.rv-strip .sc{border-right:0;padding-right:0;grid-column:1/-1}.rv-strip .btn{grid-column:1/-1;justify-self:start}.rv-card{width:calc((100% - 18px)/2)}}
  @media (max-width:640px){.reviews{padding:64px 0}.rv-card{width:100%}.rv-strip{grid-template-columns:1fr}}
  /* GUIDES + FAQ */
  .res .container{display:grid;grid-template-columns:1fr 1.3fr;gap:60px;align-items:start}
  .guides{display:grid;gap:12px}
  .guide{padding:14px 16px;background:#fff;border:1px solid #E5E5E5;border-radius:8px;box-shadow:0 8px 20px rgba(0,0,0,.05);display:block}
  .guide:hover{border-color:var(--o2)}
  .guide b{display:block;font-weight:500;font-size:13px;color:#111}
  .guide span{font-size:12.5px;color:#5A5E69}
  .faq details{border-bottom:1px solid var(--line)}
  .faq summary{cursor:pointer;list-style:none;padding:16px 0;font-weight:500;font-size:14px;color:#111;display:flex;justify-content:space-between;gap:16px;align-items:center}
  .faq summary::-webkit-details-marker{display:none}
  .faq summary::after{content:"+";font-family:var(--display);font-size:18px;background:var(--grad-h);-webkit-background-clip:text;background-clip:text;color:transparent;flex:none}
  .faq details[open] summary::after{content:"–"}
  .faq details p{font-size:13.5px;padding-bottom:16px}
  .res h2.big{margin-bottom:6px}
  .res .eyebrow{margin-bottom:22px}

  /* FINAL CTA */
  .final{text-align:center;padding:80px 0}
  .final .sec-title{font-size:clamp(22px,3vw,34px)}
  .final p{max-width:56ch;margin:18px auto 28px}
  .final .actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

  /* FOOTER (F1) */
  .footer{background:#0F1220;color:rgba(255,255,255,.8);padding:56px 0 24px}
  .footer .logo{background:linear-gradient(90deg,#C4B5FD,#67E8F9);-webkit-background-clip:text;background-clip:text;color:transparent;font-size:22px}
  .foot-top{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:40px}
  .foot-brand p{font-size:13px;line-height:1.6;margin:12px 0 14px;max-width:34ch;color:rgba(255,255,255,.7)}
  .foot-badges{display:flex;gap:8px;flex-wrap:wrap}
  .foot-badges span{display:inline-flex;align-items:center;gap:6px;font-size:11.5px;font-weight:500;padding:6px 12px;border-radius:99px;border:1px solid rgba(255,255,255,.15);color:rgba(255,255,255,.85)}
  .foot-badges i{width:6px;height:6px;border-radius:50%;background:linear-gradient(135deg,#8B5CF6,#3B82F6)}
  .foot-col .foot-col__h{margin:0;font-family:var(--body);font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:#fff;margin-bottom:14px;font-weight:600}
  .foot-col ul{list-style:none;display:grid;gap:9px;font-size:13.5px}
  .foot-col a{color:rgba(255,255,255,.8)}
  .foot-col a:hover{color:#fff}
  .foot-disc{margin-top:40px;border-top:1px solid rgba(255,255,255,.12);border-bottom:1px solid rgba(255,255,255,.12)}
  .foot-disc summary{list-style:none;cursor:pointer;padding:16px 0;font-size:13px;font-weight:600;color:#fff;display:flex;justify-content:space-between;align-items:center}
  .foot-disc summary::-webkit-details-marker{display:none}
  .foot-disc summary::after{content:"+";color:#A78BFA;font-size:18px;line-height:1}
  .foot-disc[open] summary::after{content:"−"}
  .foot-disc .disc{columns:2;column-gap:40px;font-size:12px;line-height:1.65;color:rgba(255,255,255,.65);padding-bottom:20px}
  .foot-disc .disc p{margin-bottom:10px;break-inside:avoid;color:rgba(255,255,255,.65);font-size:12px}
  .foot-disc .disc b{color:#fff;font-weight:600}
  .foot-disc .disc a{color:#fff;text-decoration:underline;text-underline-offset:3px}
  .foot-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;padding-top:20px;font-size:12px;color:rgba(255,255,255,.55)}
  .foot-bottom .links{display:flex;gap:18px;flex-wrap:wrap}
  .foot-bottom .links a{color:rgba(255,255,255,.7)}
  .foot-bottom .links a:hover{color:#fff}
  @media (max-width:1024px){.foot-top{grid-template-columns:1fr 1fr;gap:28px}.foot-disc .disc{columns:1}}
  @media (max-width:640px){.foot-top{grid-template-columns:1fr}}

  @media (min-width:1025px) and (max-height:840px){
    .hero h1{font-size:clamp(40px,5vw,66px);margin-bottom:18px}
    .hero p.lead{font-size:15px;margin-bottom:20px}
    .hero__note{margin-bottom:26px}
    .cell{padding-top:18px}
    .hero .container{padding-top:24px;padding-bottom:40px}
  }
  @media (max-width:1024px){
    .calc{min-height:0}
    .calc__bg img{opacity:.28;object-position:center top}
    .calc__bg::after{background:linear-gradient(180deg,rgba(255,255,255,.7),rgba(255,255,255,.9))}
    .calc .container{padding:60px 0 50px}
  }
  @media (max-width:640px){
    .crow2{grid-template-columns:1fr;gap:12px;padding:14px 16px}
    .calc__result{grid-template-columns:1fr;gap:12px}
    .calc__result .btn{width:100%}
    .seg button{font-size:12px;padding:8px 4px}
  }
  /* NAV auto-hide */
  .nav{transition:transform .28s ease,box-shadow .28s ease}
  .nav.is-hidden{transform:translateY(-100%)}
  .nav.is-scrolled{box-shadow:0 8px 24px -16px rgba(0,0,0,.25)}
  /* MOBILE sticky bar */
  .mbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:40;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-top:1px solid #ECEEF5;padding:10px 16px calc(10px + env(safe-area-inset-bottom,0px));transform:translateY(110%);transition:transform .3s ease}
  .mbar.is-visible{transform:translateY(0)}
  .mbar__in{display:flex;align-items:center;gap:12px}
  .mbar__txt{flex:1;min-width:0}
  .mbar__txt b{display:block;font-size:13.5px;font-weight:600;color:#111;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .mbar__txt span{display:block;font-size:11.5px;color:#5A5E69;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .mbar .btn{padding:12px 18px;font-size:13.5px;border-radius:10px;flex:none}
  .mbar__calc{flex:none;width:42px;height:42px;border-radius:10px;background:#F3F4F8;display:grid;place-items:center}
  .mbar__calc svg{width:20px;height:20px;stroke:#4F46E5;fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
  body.mbar-on{padding-bottom:72px}
  /* DESKTOP back-to-top with progress ring */
  .totop{display:none;position:fixed;right:28px;bottom:28px;transition:opacity .3s,transform .3s,bottom .15s;z-index:40;width:56px;height:56px;border-radius:50%;background:#fff;border:0;cursor:pointer;box-shadow:0 12px 30px -10px rgba(30,64,175,.35);opacity:0;transform:translateY(12px);transition:opacity .3s,transform .3s;padding:0}
  .totop.is-visible{opacity:1;transform:translateY(0)}
  .totop svg.ring{position:absolute;inset:0;width:56px;height:56px;transform:rotate(-90deg)}
  .totop svg.ring circle{fill:none;stroke-width:3}
  .totop svg.ring .bg{stroke:#ECEEF5}
  .totop svg.ring .fg{stroke:url(#ringGrad);stroke-linecap:round;stroke-dasharray:157;stroke-dashoffset:157;transition:stroke-dashoffset .15s linear}
  .totop svg.arrow{position:absolute;left:50%;top:50%;width:18px;height:18px;transform:translate(-50%,-50%);stroke:#111;fill:none;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round}
  .totop:hover .arrow{stroke:#4F46E5}
  .totop__pct{position:absolute;left:50%;top:-20px;transform:translateX(-50%);font-size:10.5px;font-weight:600;color:#5A5E69;white-space:nowrap}
  @media (max-width:1024px){.mbar{display:block}}
  @media (min-width:1025px){.totop{display:block}}
  /* RESPONSIVE */
  @media (max-width:1024px){
    .m-only{display:block!important}
    .m-hide{display:none!important}
    .nav__links{display:none;position:fixed;inset:0;z-index:60;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:0}
    .nav__links.open{display:flex}
    .mnav__head{display:flex!important;align-items:center;justify-content:space-between;padding:14px 24px;border-bottom:1px solid var(--line);flex:none}
    .mnav__close{background:#F3F4F8;border:0;width:40px;height:40px;border-radius:50%;font-size:16px;cursor:pointer;color:#111}
    .mnav__body{display:block;flex:1;overflow-y:auto;padding:8px 24px 24px;-webkit-overflow-scrolling:touch}
    .nav__links>.mnav__body>a,.nav__links>.mnav__body>.dd>button{display:flex;width:100%;justify-content:space-between;align-items:center;padding:16px 4px;border-bottom:1px solid var(--line);border-radius:0;font-size:16px;font-weight:600;color:#111;background:none;border-left:0;border-right:0;border-top:0;font-family:var(--body);cursor:pointer}
    .nav__links>.mnav__body>.dd>button svg{width:14px;height:14px}
    .dd__panel{position:static;display:none;box-shadow:none;border:0;padding:6px 0 10px;width:100%;grid-template-columns:1fr;gap:4px}
    .dd.open>.dd__panel{display:grid}
    .dd__panel .dd__h{margin:10px 0 4px}
    .dd__panel li a{padding:10px 8px;font-size:15px}
    .mnav__foot{display:flex!important;flex-direction:column;align-items:center;gap:8px;padding:14px 24px calc(14px + env(safe-area-inset-bottom,0px));border-top:1px solid var(--line);background:#fff;flex:none}
    .mnav__foot .btn{width:100%;justify-content:center;padding:15px 20px;font-size:15px}
    .mnav__foot span{font-size:12px;color:#5A5E69}
    .nav__toggle{display:block}
    .nav__right .btn{display:none}
    body.menu-open{overflow:hidden}
    body.menu-open .mbar,body.menu-open .totop{display:none!important}
    body.menu-open .nav{backdrop-filter:none;-webkit-backdrop-filter:none}
    .hero .container,.roadmap .container,.offers .container,.start .container,.res .container{grid-template-columns:1fr}
    .hero{min-height:0;display:block}
    .hero .container{padding-top:36px;padding-bottom:48px}
    .hero__bg img{width:100%;opacity:.28;object-position:center top}
    .hero__bg::after{background:linear-gradient(180deg,rgba(255,255,255,.7),rgba(255,255,255,.9))}
    .hero__cells{grid-template-columns:1fr;max-width:none}
    .cell{border-right:0;margin-right:0;padding:16px 0 4px;border-bottom:1px solid rgba(0,0,0,.08)}
    .cell:last-child{border-bottom:0}
    .scrollcue{margin-top:22px}
    .hero__bg::after{background:linear-gradient(180deg,rgba(255,255,255,.85),rgba(255,255,255,.6))}
    .fcard{position:static;width:100%;margin-bottom:14px}
    .fcard::before{display:none}
    .quick{padding:44px 0 16px}
    .calc .grid{grid-template-columns:1fr;justify-items:start}
    .total{justify-self:center}
    .crow{width:100%;min-width:0}
    .crow:nth-child(n){margin-left:0}
    .step:nth-child(n){margin-left:0}
    .stat:nth-child(n){margin-left:0}
    .tx-grid{grid-template-columns:1fr}
    .rm-stage{height:420px;max-width:520px;margin:0 auto}
    .quick__grid{grid-template-columns:repeat(3,1fr)}
    .types__grid{grid-template-columns:1fr 1fr}
  }
  @media (max-width:640px){
    section{padding:60px 0}
    .step{padding-right:30px}
    .tx-head{width:100%;min-width:0}
    .amt__row{grid-template-columns:1fr}
    .quick__wrap{padding:0}
    .hero h1 br{display:none}
    .types__grid{grid-template-columns:1fr}
  }

  /* ===== TABLET & MOBILE REFINEMENTS ===== */
  @media (min-width:641px) and (max-width:1024px){
    /* hero photo: same push formula as desktop, lighter fade */
    .hero{--push:max(0px,calc(0.62 * (100svh - 72px) - 26vw))}
    .hero__bg img{opacity:1;object-position:calc(100% + var(--push)) top;-webkit-mask-image:none;mask-image:none}
    .hero__bg::after{background:linear-gradient(90deg,rgba(255,255,255,.95) 0%,rgba(255,255,255,.9) 38%,rgba(255,255,255,.4) 50%,rgba(255,255,255,.05) 58%,rgba(255,255,255,0) 64%)}
    .hero__top{max-width:56%}
    .hero p.lead{max-width:44ch}
    .hero__cells{max-width:100%}
    /* calculator photo */
    .calc__bg img{opacity:1;object-position:100% 40%}
    .calc__bg::after{background:linear-gradient(90deg,rgba(255,255,255,.97) 0%,rgba(255,255,255,.95) 56%,rgba(255,255,255,.6) 66%,rgba(255,255,255,.1) 78%,rgba(255,255,255,0) 86%)}
    .calc__col{width:min(520px,100%)}
  }

  @media (max-width:1024px){
    /* hero */
    .hero .kicker{letter-spacing:.2em;font-size:10px}
    /* how it works: heading first */
    .start .container{display:flex;flex-direction:column;gap:28px}
    .start .steps{order:2}
    /* ways to borrow stage */
    .roadmap .container{gap:36px}
    .rm-stage{height:440px;max-width:500px;margin:0 auto;width:100%}
    .rm-card--1{left:0;top:30px}.rm-card--2{left:150px;top:90px}.rm-card--3{left:300px;top:150px}
    /* eligibility side by side on tablet */
    .what .container{grid-template-columns:1fr}
    .what__photo{max-width:100%}
    /* amount tiers */
    .offers .container{gap:36px}
    /* reviews strip */
    .rv-strip{display:flex;flex-wrap:wrap;gap:12px 22px;justify-content:center;align-items:center}
    .rv-strip .sc{border-right:0;padding-right:0;width:100%;justify-content:center}
    .rv-strip .btn{width:auto}
    /* footer */
    .foot-top{grid-template-columns:1fr 1fr 1fr;gap:28px}
    .foot-brand{grid-column:1/-1}
  }
  @media (min-width:641px) and (max-width:1024px){
    .what .container{grid-template-columns:380px 1fr;gap:36px;align-items:center}
    .what .container::before{display:block;left:380px}
    .what__side{padding-right:36px}
    .what__text{border-left:0;padding-left:36px}
  }
  @media (max-width:640px){
    /* hero */
    .hero h1{font-size:clamp(30px,9vw,44px)}
    .hero .container{padding-top:28px;padding-bottom:40px}
    .hero p.lead{font-size:15px}
    .hero__cta{flex-direction:column;align-items:stretch;max-width:none}
    .hero__cta .btn{width:100%}
    .hero__cells{margin-top:6px}
    /* quick select: horizontal tiles */
    .quick__grid{grid-template-columns:1fr;gap:10px}
    .quick__grid a{display:flex;align-items:center;gap:14px;padding:14px 44px 14px 14px}
    .quick__grid a i{width:42px;height:42px;margin:0;flex:none}
    .quick__grid a b{font-size:12.5px}
    .quick__grid a span{margin-top:2px}
    .quick__grid a::after{top:50%;bottom:auto;margin-top:-5px}
    .quick__head{margin-bottom:12px}
    /* ways to borrow: static stacked cards */
    .rm-stage{height:auto;display:grid;gap:12px;max-width:none}
    .rm-card{position:static;transform:none;width:100%;height:auto;padding:20px 18px;border-radius:14px;box-shadow:0 12px 30px -20px rgba(30,64,175,.3)}
    .rm-card::before{display:none}
    .rm-badge{width:auto;height:auto;border-radius:99px;padding:5px 12px;font-size:9px;letter-spacing:.12em;margin-bottom:10px;display:inline-grid}
    .rm-badge br{display:none}
    .rm-card b{font-size:18px}
    .rm-card b br{display:none}
    .rm-card p{font-size:13px}
    .rm-card .go{font-size:12.5px}
    /* amount tiers */
    .plan{grid-template-columns:30px 1fr auto;gap:12px;align-items:start}
    .plan__pct{grid-column:3;grid-row:1;justify-self:end;font-size:24px;padding-right:0;margin-top:2px}
    .plan__rows{grid-template-columns:1fr 1fr;gap:6px 12px}
    .plan__rows b{white-space:nowrap;font-size:12.5px}
    .plan__rows span{white-space:nowrap}
    /* how it works steps */
    .step{grid-template-columns:52px 1fr;gap:14px;padding:14px 26px 14px 12px;clip-path:polygon(0 0,95% 0,100% 50%,95% 100%,0 100%)}
    .step__num{width:52px;height:52px;font-size:22px}
    .start__mark .display{font-size:18px}
    /* compare */
    .chart{display:none}
    .tbl{font-size:12.5px}
    table{min-width:560px}
    .compare .sec-head{margin-bottom:24px}
    .tbl-hint{display:block!important;font-size:11.5px;color:#5A5E69;margin:8px 0 0}
    /* eligibility */
    .what__photo{max-width:100%}
    /* rates */
    .rates__n b{font-size:32px}
    /* why */
    .why__band{padding:18px 18px}
    /* reviews */
    .rv-card{padding:22px 18px 16px}
    /* faq/guides */
    .faq summary{font-size:15px;padding:14px 0}
    /* footer */
    .foot-top{grid-template-columns:1fr 1fr;gap:22px 16px}
    .foot-brand{grid-column:1/-1}
    .foot-col ul{font-size:13px}
    .foot-bottom{flex-direction:column;align-items:flex-start;gap:10px}
    /* final CTA */
    .final .actions{flex-direction:column;align-items:stretch}
    .final .actions .btn{width:100%}
  }
  @media (prefers-reduced-motion:reduce){*{transition:none !important}html{scroll-behavior:auto}}
  :focus-visible{outline:2px solid var(--o2);outline-offset:3px}