/* paintedhorseloansapp.com — quiet editorial fintech (Design v2) */
@font-face{font-family:"Manrope";src:url(fonts/manrope-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Manrope";src:url(fonts/manrope-latin-500-normal.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"Manrope";src:url(fonts/manrope-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Cormorant Garamond";src:url(fonts/cormorant-garamond-500-subset.woff2) format("woff2");font-weight:500;font-display:swap}
:root{--ink:#4A2E1F;--ink-2:#3A2317;--accent:#A8703F;--accent-d:#D9A877;--accent-t:#8A5A30;--bg:#F3ECE0;--panel:#FAF6EF;--card:#FFFFFF;--line:#E4D8C6;
--text:#241A13;--muted:#66574A;--r:18px;--r-in:12px;--pad:clamp(1.4rem,4vw,2.9rem);--max:1200px;--gap:22px;
--shadow:0 1px 2px rgba(74,46,31,.05),0 14px 34px -22px rgba(74,46,31,.32);--sans:"Manrope",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
--serif:"Cormorant Garamond",Georgia,"Times New Roman",serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;background:var(--bg);color:var(--muted);font:400 16px/1.6 var(--sans);overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--ink);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--accent)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}
h1,h2,h3{color:var(--text);font-weight:500;letter-spacing:-.02em;line-height:1.15;margin:0;text-wrap:balance}
h1{font-size:clamp(2.2rem,4.2vw,3.3rem);letter-spacing:-.03em}
h2{font-size:clamp(1.6rem,3vw,2.15rem)}
h3{font-size:1.12rem;letter-spacing:-.01em;line-height:1.3}
p{margin:0 0 1em}
strong{color:var(--text);font-weight:600}
.skip{position:absolute;left:-9999px;top:8px;z-index:2147483647;background:var(--ink);color:#fff;padding:10px 14px;border-radius:8px}
.skip:focus{left:16px}
.wrap{max-width:calc(var(--max) + 32px);margin:0 auto;padding-left:16px;padding-right:16px}
.stack{display:flex;flex-direction:column;gap:var(--gap);padding-top:16px;padding-bottom:28px}
.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);padding:var(--pad);position:relative}
.inner{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);box-shadow:var(--shadow)}
.eyebrow{display:inline-flex;align-items:center;gap:.6rem;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--accent-t);margin:0 0 .9rem}
.eyebrow::before{content:"";width:22px;height:1.5px;background:currentColor;display:inline-block}
.lead{font-size:1.08rem;line-height:1.55;color:var(--text);max-width:42ch;text-wrap:balance}
.answer{text-wrap:balance}
.updated{font-size:.82rem;color:var(--muted);margin:.7rem 0 .9rem}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:46px;padding:.7rem 1.25rem;border-radius:10px;font:600 .95rem/1 var(--sans);text-decoration:none;border:1px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s}
.btn-primary{background:var(--ink);color:#fff}.btn-primary:hover{background:var(--ink-2);color:#fff}
.btn-ghost{background:var(--card);color:var(--ink);border-color:var(--line)}.btn-ghost:hover{border-color:var(--accent);color:var(--ink)}
.btn-white{background:#fff;color:var(--ink)}.btn-white:hover{background:var(--panel);color:var(--ink)}
.btns{display:flex;flex-wrap:wrap;gap:.7rem;align-items:center}
/* ---------------- nav ---------------- */
.navwrap{position:sticky;top:10px;z-index:2147483000;isolation:isolate;height:76px;margin-bottom:-76px}
.nav{height:76px;display:flex;align-items:center;gap:1.2rem;padding:0 var(--pad);border:1px solid transparent;border-radius:var(--r);transition:background .2s,border-color .2s,box-shadow .2s}
.navwrap.scrolled .nav{background:var(--panel);border-color:var(--line);box-shadow:var(--shadow)}
@media (min-width:761px){.navwrap:not(.scrolled) .menu{background:rgba(250,246,239,.88);border:1px solid rgba(228,216,198,.9);border-radius:999px;padding:2px 6px}.navwrap:not(.scrolled) .logo{background:rgba(250,246,239,.88);border-radius:999px;padding:4px 12px 4px 4px}}
.logo{display:inline-flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--text);font-weight:600;font-size:.86rem;letter-spacing:.14em;text-transform:uppercase;white-space:nowrap}
.logo img{width:34px;height:34px}
.menu{display:flex;align-items:center;gap:.2rem;list-style:none;margin:0;padding:0}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{display:inline-flex;align-items:center;gap:.3rem;min-height:44px;padding:.4rem .7rem;border-radius:10px;font:500 .93rem/1 var(--sans);color:var(--text);text-decoration:none;background:none;border:0;cursor:pointer;white-space:nowrap}
.menu>li>a:hover,.menu>li>button:hover{background:rgba(74,46,31,.06);color:var(--text)}
.menu>li>button svg{width:12px;height:12px;transition:transform .2s}
.spacer{flex:1}
.nav .btn-apply{display:inline-flex;align-items:center;background:var(--ink);color:#fff;border-radius:999px;min-height:44px;padding:.65rem 1.3rem;font:600 .92rem/1 var(--sans);text-decoration:none;white-space:nowrap}
.nav .btn-apply:hover{background:var(--ink-2);color:#fff}
.dd{position:absolute;top:100%;left:0;margin:0;min-width:200px;width:max-content;max-width:calc(100vw - 32px);list-style:none;padding:.45rem;background:var(--panel);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);box-shadow:var(--shadow);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.dd a{display:block;white-space:nowrap;padding:.62rem .8rem;border-radius:8px;color:var(--text);text-decoration:none;font-size:.93rem}
.dd a:hover{background:rgba(74,46,31,.07);color:var(--text)}
.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.burger{display:none;margin-left:auto;width:46px;height:46px;border-radius:10px;border:1px solid var(--line);background:var(--card);align-items:center;justify-content:center;cursor:pointer}
.burger span{display:block;width:18px;height:2px;background:var(--ink);position:relative}
.burger span::before,.burger span::after{content:"";position:absolute;left:0;width:18px;height:2px;background:var(--ink)}
.burger span::before{top:-6px}.burger span::after{top:6px}
@media (max-width:1100px){.menu>li>a,.menu>li>button{padding:.4rem .5rem;font-size:.88rem}.logo span{display:none}}
@media (max-width:760px){
 .burger{display:inline-flex}
 .nav{gap:.6rem}
 .logo span{display:inline}
 .navwrap .menu{display:none;position:absolute;top:80px;left:0;right:0;flex-direction:column;align-items:stretch;background:var(--panel);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);padding:.6rem;max-height:calc(100vh - 110px);overflow:auto}
 .navwrap.menu-open .menu{display:flex}
 .navwrap.menu-open .nav{background:var(--panel);border-color:var(--line)}
 .menu>li>a,.menu>li>button{width:100%;justify-content:space-between;min-height:46px;font-size:1rem}
 .dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;background:transparent;width:auto;max-width:none;padding:0 0 .3rem .6rem}
 .dd::before{display:none}
 .dd a{min-height:44px;display:flex;align-items:center}
 .has-dd.open>.dd{display:block}
 .has-dd.open>button svg{transform:rotate(180deg)}
 .nav .btn-apply{display:none}
 .menu .m-apply{display:block}
}
.menu .m-apply{display:none}
.menu .m-apply a{justify-content:center;background:var(--ink);color:#fff;margin-top:.4rem}
/* ---------------- hero / header card ---------------- */
.hero{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);overflow:hidden;position:relative;padding:calc(76px + 1.2rem) var(--pad) var(--pad)}
.hero .hero-text{position:relative;z-index:1;max-width:560px}
.hero-img{margin-top:1.4rem;border-radius:var(--r-in);overflow:hidden;max-width:720px;aspect-ratio:16/9}
.hero-img img{width:100%;height:100%;object-fit:cover}
.crumbs{font-size:.8rem;margin:0 0 .8rem;color:var(--text)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.3rem;margin:0;padding:0}
.crumbs li+li::before{content:"/";margin-right:.3rem;color:var(--muted)}
.crumbs a{color:var(--text)}
.chips{display:flex;flex-wrap:nowrap;overflow-x:auto;gap:.45rem;margin:1rem 0 1.1rem;padding-bottom:4px;scrollbar-width:thin;max-width:100%}
.chips a{flex:0 0 auto;font-size:.8rem;padding:.45rem .8rem;border-radius:999px;background:rgba(255,255,255,.82);border:1px solid var(--line);color:var(--text);text-decoration:none;white-space:nowrap}
.chips a:hover{border-color:var(--accent)}
.chips-label{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;font-weight:600;color:var(--text);margin:1rem 0 -.5rem}
.trust{display:flex;align-items:center;gap:.8rem;margin-top:1.2rem;flex-wrap:wrap;color:var(--text);font-size:.88rem}
.avatars{display:flex}
.avatars img{width:38px;height:38px;border-radius:50%;border:2px solid #fff;margin-left:-10px;object-fit:cover}
.avatars img:first-child{margin-left:0}
.stars{display:inline-flex;gap:2px;color:var(--accent)}
.stars svg{width:15px;height:15px}
.byline{display:flex;align-items:center;gap:.6rem;font-size:.85rem;color:var(--text);margin:.2rem 0 .4rem}
.initials{width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-size:.78rem;font-weight:600;flex:0 0 auto}
/* full-bleed (desktop) — must stay after the base rules */
@media (min-width:1101px){
 .hero.fb{aspect-ratio:16/9;padding:calc(76px + 1.2rem) var(--pad) var(--pad);display:flex;flex-direction:column;justify-content:center}
 .hero.fb .hero-img{position:absolute;inset:0;margin:0;border-radius:0;max-width:none;aspect-ratio:auto;z-index:0}
 .hero.fb .hero-img img{width:100%;height:100%;object-fit:cover}
 .hero.fb::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;
  background:linear-gradient(90deg,rgba(250,246,239,.72) 0,rgba(250,246,239,.62) calc(var(--pad) + 300px),rgba(250,246,239,.55) calc(var(--pad) + 480px),rgba(250,246,239,0) max(56%,calc(var(--pad) + 560px)))}
 .hero.fb .hero-text{max-width:480px}
 .hero.fb .lead,.hero.fb .updated,.hero.fb .crumbs,.hero.fb .crumbs a,.hero.fb .trust,.hero.fb .byline,.hero.fb .chips-label{color:#2B1D14}
 .hero.fb .eyebrow{color:#3E2414}
 .hero.fb h1{font-size:clamp(2.1rem,3.3vw,3.1rem)}
 .hero.fb:not(.home) h1{font-size:clamp(1.85rem,2.35vw,2.55rem)}
 .hero.fb:not(.home) .lead{font-size:1rem;margin-bottom:.6rem}
 .hero.fb:not(.home) .eyebrow{margin-bottom:.6rem}
 .hero.fb:not(.home) .updated{margin:.5rem 0 .6rem}
 .hero.fb:not(.home) .chips{margin:.7rem 0 .9rem}
 .hero.fb:not(.home) .crumbs{margin-bottom:.6rem}
}
/* stat strip */
.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;padding:0;overflow:hidden}
.stats div{padding:1.1rem 1.3rem;border-left:1px solid var(--line);display:flex;flex-direction:column;justify-content:center}
.stats div:first-child{border-left:0}
.stats b{display:block;color:var(--ink);font-size:1.35rem;font-weight:600;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.stats span{font-size:.84rem}
@media (max-width:760px){.stats{grid-template-columns:repeat(2,minmax(0,1fr))}.stats div:nth-child(3){border-left:0}.stats div:nth-child(n+3){border-top:1px solid var(--line)}}
/* ---------------- section cards (inner pages) ---------------- */
.sec{display:grid;grid-template-columns:minmax(0,260px) minmax(0,1fr);gap:clamp(1.2rem,4vw,3.2rem)}
.sec .sec-head{position:relative}
.sec .sec-head>div{position:sticky;top:104px}
.num{font-size:.78rem;font-weight:600;letter-spacing:.14em;color:var(--accent-t);margin:0 0 .6rem;font-variant-numeric:tabular-nums}
.sec .body{max-width:680px;min-width:0}
.sec.wide{display:block}
.sec.wide .sec-head>div{position:static}
.sec.wide .sec-head{margin-bottom:1.2rem;max-width:760px}
.sec.wide .body{max-width:none}
.body>p:first-child{color:var(--text);font-size:1.05rem}
.body ul,.body ol{padding-left:1.2rem;margin:0 0 1em}
.body li{margin:.35rem 0}
.body h3{margin:1.5rem 0 .5rem}
.tbl{overflow-x:auto;margin:0 0 1.1rem;border:1px solid var(--line);border-radius:var(--r-in);background:var(--card)}
table{width:100%;border-collapse:collapse;font-size:.92rem;font-variant-numeric:tabular-nums}
th,td{text-align:left;padding:.75rem .9rem;border-bottom:1px solid var(--line);vertical-align:top}
th{color:var(--text);font-weight:600}
thead th{background:rgba(243,236,224,.6)}
tr:last-child td{border-bottom:0}
td{color:var(--text)}
.split{float:right;width:min(40%,320px);margin:.3rem 0 1rem 1.6rem}
.split img,.content-img{width:100%;height:auto;aspect-ratio:3/4;object-fit:cover;border-radius:var(--r-in)}
@media (max-width:1020px){.sec{grid-template-columns:minmax(0,1fr)}.sec .sec-head>div{position:static}.split{float:none;width:100%;max-width:420px;margin:0 auto 1.2rem}}
/* tier / term cards (M2 style) */
.tiers{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.tier{padding:1.4rem;display:flex;flex-direction:column;gap:.55rem;position:relative}
.tier .range{font-size:1.45rem;color:var(--ink);font-weight:600;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.tier .lbl{color:var(--text);font-weight:600}
.tier p{margin:0;font-size:.94rem}
.tier .terms{font-size:.84rem;color:var(--text);margin-top:auto}
.bar{height:6px;border-radius:6px;background:var(--line);overflow:hidden}
.bar i{display:block;height:100%;background:var(--accent);border-radius:6px}
.badge{position:absolute;top:-11px;right:14px;background:var(--ink);color:#fff;font-size:.7rem;font-weight:600;letter-spacing:.06em;padding:.3rem .65rem;border-radius:999px}
@media (max-width:860px){.tiers{grid-template-columns:minmax(0,1fr)}}
.cardhead{display:flex;flex-direction:column;gap:.2rem;margin-bottom:1.1rem}
.cardhead h3{font-size:1.25rem}
/* faq (expanded) */
.qa{border-top:1px solid var(--line);padding:1.1rem 0}
.qa:first-of-type{border-top:0;padding-top:.3rem}
.qa h3{margin:0 0 .45rem}
.qa p:last-child{margin-bottom:0}
/* link chips cards */
.linkgrid{display:flex;flex-wrap:wrap;gap:.5rem}
.linkgrid a{padding:.55rem .9rem;border:1px solid var(--line);border-radius:999px;background:var(--card);text-decoration:none;color:var(--text);font-size:.9rem;min-height:40px;display:inline-flex;align-items:center}
.linkgrid a:hover{border-color:var(--accent)}
.grp+.grp{margin-top:1.2rem}
.grp p{font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;font-weight:600;color:var(--text);margin:0 0 .6rem}
.two{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);gap:var(--gap);align-items:stretch}
@media (max-width:900px){.two{grid-template-columns:minmax(0,1fr)}}
.author{display:flex;gap:1rem;align-items:flex-start}
.author .initials{width:52px;height:52px;font-size:1rem}
.author h3{margin-bottom:.15rem}
.author .role{font-size:.85rem;color:var(--accent-t);font-weight:600;margin:0 0 .5rem}
.share{display:flex;gap:.5rem;flex-wrap:wrap;margin-top:1rem}
.share a,.share button{min-height:40px;padding:.5rem .85rem;border:1px solid var(--line);border-radius:10px;background:var(--card);color:var(--text);font:500 .85rem/1 var(--sans);text-decoration:none;cursor:pointer;display:inline-flex;align-items:center}
.posts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.1rem}
.posts.two-up{grid-template-columns:repeat(2,minmax(0,1fr))}
.post{display:flex;flex-direction:column;overflow:hidden;text-decoration:none;color:inherit}
.post img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.post div{padding:1.1rem 1.2rem 1.3rem;display:flex;flex-direction:column;gap:.45rem;flex:1}
.post .tag{font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;font-weight:600;color:var(--accent-t)}
.post h3{font-size:1.05rem}
.post p{font-size:.9rem;margin:0}
.post .pmore{margin-top:auto;padding-top:.35rem;font-size:.85rem;font-weight:600;color:var(--accent-t)}
.post .pmore::after{content:" \2192"}
.post:hover h3{color:var(--accent)}
@media (max-width:960px){.posts{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.posts,.posts.two-up{grid-template-columns:minmax(0,1fr)}}
/* form card */
.formcard{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad);position:relative;overflow:hidden;box-shadow:none}
.formcard::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--accent)}
.formcard .fhead{text-align:center;max-width:620px;margin:0 auto 1.2rem}
.formcard .fhead .eyebrow{justify-content:center}
.formcard h2{font-size:clamp(1.5rem,2.6vw,1.9rem)}
.formcard .ftrust{font-size:.9rem;color:var(--text);margin:.5rem 0 0}
.form-embed{position:relative;z-index:1;isolation:isolate}
@media (max-width:600px){.formcard{border-radius:12px;padding:1.6rem 1rem}}
/* CTA band */
.cta{background:var(--ink);border-radius:var(--r);padding:clamp(2rem,5vw,3.4rem) var(--pad);color:#F1E6D6;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.4rem}
.cta h2{color:#fff;max-width:22ch}
.cta p{margin:.6rem 0 0;max-width:52ch;color:#EADBC6}
.cta .eyebrow{color:var(--accent-d)}
/* footer */
.foot{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad);margin-bottom:28px}
.foot-grid{display:grid;grid-template-columns:minmax(0,1.5fr) repeat(3,minmax(0,1fr));gap:2rem}
.foot .logo{margin-bottom:.9rem}
.foot address{font-style:normal;font-size:.9rem;line-height:1.7;color:var(--text)}
.foot .fh{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--text);margin:0 0 .8rem}
.foot ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.15rem}
.foot ul a{color:var(--muted);text-decoration:none;font-size:.9rem;min-height:32px;display:inline-flex;align-items:center}
.foot ul a:hover{color:var(--ink);text-decoration:underline}
.foot .legal{border-top:1px solid var(--line);margin-top:1.8rem;padding-top:1.4rem;font-size:.8rem;line-height:1.6}
.foot .legal p{margin:0 0 .7rem}
@media (max-width:900px){.foot-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.foot-grid>div:first-child{grid-column:1/-1}}
@media (max-width:480px){.foot-grid{grid-template-columns:minmax(0,1fr)}}
/* scroll to top */
.totop{position:fixed;right:1.4rem;bottom:1.4rem;width:56px;height:56px;border-radius:50%;background:var(--card);border:0;box-shadow:0 8px 24px -10px rgba(0,0,0,.35);cursor:pointer;z-index:2147482000;opacity:0;transform:translateY(12px) scale(.9);pointer-events:none;transition:opacity .25s,transform .25s,box-shadow .2s;display:flex;align-items:center;justify-content:center}
.totop.show{opacity:1;transform:none;pointer-events:auto}
.totop:hover{box-shadow:0 10px 28px -10px rgba(0,0,0,.5),0 0 0 6px rgba(168,112,63,.15)}
.totop svg.ring{position:absolute;inset:0;transform:rotate(-90deg)}
.totop .trk{stroke:var(--line)}.totop .prg{stroke:var(--accent);stroke-linecap:round;transition:stroke-dashoffset .12s linear}
.totop .arrow{width:18px;height:18px;color:var(--ink);position:relative}
.totop .pct{position:absolute;bottom:-1.4rem;left:50%;transform:translateX(-50%);font-size:.62rem;font-weight:600;letter-spacing:.08em;color:var(--muted);font-variant-numeric:tabular-nums}
.mbar{display:none}
@media (max-width:600px){
 .totop{display:none}
 .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:2147481000;background:var(--panel);border-top:1px solid var(--line);padding:.6rem max(16px,env(safe-area-inset-left,0px)) calc(.6rem + env(safe-area-inset-bottom,0px));align-items:center;justify-content:space-between;gap:.8rem;transform:translateY(110%);transition:transform .25s}
 .mbar.show{transform:none}
 .mbar span{font-size:.82rem;color:var(--text);font-weight:500}
 .mbar a{min-height:44px}
 body{padding-bottom:76px}
}
/* ---------------- home ---------------- */
.cols3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(1.2rem,3vw,2.4rem);align-items:stretch}
.cols3>div{display:flex;flex-direction:column}
.cols3 .more{margin-top:auto;font-weight:600}
.intro2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(1.2rem,4vw,3rem);margin-bottom:1.6rem}
.intro2>div{display:flex;flex-direction:column;gap:.6rem}
.intro2 p{margin:0}
.intro2 .more{font-weight:600;align-self:flex-start}
.featrow{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}
@media (max-width:960px){.featrow{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:760px){.intro2{grid-template-columns:minmax(0,1fr)}}
@media (max-width:560px){.featrow{grid-template-columns:minmax(0,1fr)}}
.feat{display:flex;gap:.8rem;padding:.75rem 0;border-top:1px solid var(--line)}
.feat:first-child{border-top:0;padding-top:0}
.feat svg{width:22px;height:22px;flex:0 0 auto;color:var(--accent);margin-top:2px}
.feat b{display:block;color:var(--text);font-weight:600}
.feat span{font-size:.92rem}
.ico{width:40px;height:40px;border-radius:10px;background:rgba(168,112,63,.12);color:var(--ink);display:inline-flex;align-items:center;justify-content:center}
.ico svg{width:20px;height:20px}
@media (max-width:960px){.cols3{grid-template-columns:minmax(0,1fr)}}
.band{background:#1F140E;color:#EADBC6;border-radius:var(--r);overflow:hidden;position:relative;min-height:460px;display:flex;align-items:center;padding:var(--pad)}
.band img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:2/1;max-width:none;z-index:0}
.band::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,#1F140E 0,#1F140E 46%,rgba(31,20,14,.55) 56%,rgba(31,20,14,.08) 66%)}
.band .band-in{position:relative;z-index:1;max-width:min(500px,calc(46% - var(--pad) - 10px))}
.band h2{font-family:var(--serif);font-weight:500;font-size:clamp(2rem,3.3vw,2.75rem);color:#fff;letter-spacing:-.01em;line-height:1.05}
.band .answer{color:#EADBC6;margin:.8rem 0 1rem;font-size:.95rem}
.vals{display:grid;gap:.7rem}
.vals>div{display:flex;gap:.8rem}
.vals svg{width:22px;height:22px;color:var(--accent-d);flex:0 0 auto;margin-top:2px}
.vals b{color:#fff;font-weight:600;display:block}
.vals span{font-size:.88rem;line-height:1.5;color:#E4D3BD}
.wordmark{font-size:clamp(1.2rem,2vw,1.6rem);white-space:nowrap;margin-top:1.2rem!important;font-weight:600;letter-spacing:.04em;color:#fff;margin:1.6rem 0 .2rem;text-transform:uppercase}
.wordsub{color:var(--accent-d);font-weight:500}
@media (max-width:1020px){.band{display:block;min-height:0}.band img{position:static;width:100%;height:auto;aspect-ratio:2/1;border-radius:var(--r-in);margin-top:1.4rem}.band::after{display:none}.band .band-in{max-width:none}}
.blockhead{max-width:700px;margin-bottom:1.6rem}
.blockhead .answer{margin:.9rem 0 0;color:var(--text)}
.fgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.fcard{padding:1.4rem;display:flex;flex-direction:column;gap:.6rem}
.fcard h3{font-size:1.05rem}
.fcard p{margin:0;font-size:.93rem}
.fcard.dark{background:var(--ink);border-color:var(--ink)}
.fcard.dark h3{color:#fff}.fcard.dark p{color:#EADBC6}.fcard.dark .ico{background:rgba(255,255,255,.12);color:var(--accent-d)}
@media (max-width:960px){.fgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.fgrid{grid-template-columns:minmax(0,1fr)}}
.steps{display:grid;grid-template-columns:minmax(0,320px) minmax(0,1fr);gap:1rem;align-items:stretch}
.clockcol{display:flex;align-items:center;justify-content:center;padding:1.4rem}
.clock{position:relative;width:min(260px,100%);aspect-ratio:1;margin:0 auto}
.clock svg{width:100%;height:100%}
.clock .c-in{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
.clock b{font-size:2.2rem;color:var(--ink);font-weight:600;letter-spacing:-.03em}
.clock span{font-size:.82rem;color:var(--text);max-width:12ch}
.steplist{list-style:none;margin:0;padding:0;display:grid;gap:.8rem}
.steplist li{display:grid;grid-template-columns:42px minmax(0,1fr);gap:1rem;align-items:start;padding:1rem 1.2rem}
.steplist .n{width:42px;height:42px;border-radius:50%;background:var(--ink);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:600}
.steplist h3{font-size:1.02rem;margin-bottom:.25rem}
.steplist p{margin:0;font-size:.92rem}
.steplist .t{display:block;font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;font-weight:600;color:var(--accent-t);margin-bottom:.25rem}
@media (max-width:860px){.steps{grid-template-columns:minmax(0,1fr)}}
.amt{display:grid;grid-template-columns:minmax(0,360px) minmax(0,1fr);gap:1.2rem;align-items:stretch}
.amt ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.6rem}
.amt li{flex:1 1 0;display:flex}
.amt li a{flex:1;display:flex;flex-direction:column;justify-content:center;gap:.2rem;padding:.85rem 1.1rem;border:1px solid var(--line);border-radius:calc(var(--r) - 6px);background:var(--card);text-decoration:none;color:var(--text)}
.amt li a b{font-weight:600;white-space:nowrap}
.amt li a small{font-size:.82rem;color:var(--muted);white-space:nowrap}
.amt li a[aria-selected=true]{border-color:var(--ink);background:var(--ink);color:#fff}
.amt li a[aria-selected=true] small{color:#EADBC6}
.amt .panels{display:flex;flex-direction:column}
.amt .panel{flex:1;padding:clamp(1.3rem,3vw,2rem);display:flex;flex-direction:column;gap:1rem}
.amt .panel[hidden]{display:none}
.amt .big{font-size:clamp(2.3rem,5vw,3.2rem);color:var(--ink);font-weight:600;letter-spacing:-.03em;line-height:1}
.kv{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.6rem}
.kv div{background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:.75rem .85rem}
.kv b{display:block;color:var(--text);font-size:1.05rem;font-variant-numeric:tabular-nums}
.kv span{font-size:.76rem}
.amt .panel .btns{margin-top:auto}
@media (max-width:860px){.amt{grid-template-columns:minmax(0,1fr)}.kv{grid-template-columns:minmax(0,1fr)}}
.catlist{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}
.catcard{padding:1.4rem;display:flex;flex-direction:column;gap:.5rem;text-decoration:none;color:inherit}
.catcard .pill{align-self:flex-start;font-size:.7rem;font-weight:600;letter-spacing:.06em;color:var(--ink);background:rgba(168,112,63,.14);padding:.3rem .6rem;border-radius:999px}
.catcard h3{font-size:1.15rem}
.catcard p{margin:0;font-size:.93rem}
.catcard .go{margin-top:auto;font-weight:600;color:var(--ink)}
.catcard:hover h3{color:var(--accent)}
@media (max-width:700px){.catlist{grid-template-columns:minmax(0,1fr)}}
/* M6 right-anchored image cards */
.ri{overflow:hidden;position:relative;display:flex;flex-direction:column;min-height:440px}
.ri>img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}
.ri::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 570px),rgba(250,246,239,.35) calc(var(--pad) + 720px),rgba(250,246,239,.2) 100%)}
.ri>:not(img){position:relative;z-index:1}
.ri .ri-text{max-width:560px;display:flex;flex-direction:column;flex:1}
.ri .ri-text>.more{margin-top:auto}
.checks{list-style:none;margin:1rem 0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.5rem .9rem}
.checks label{display:flex;gap:.55rem;align-items:center;cursor:pointer;color:var(--text);font-size:.9rem;white-space:nowrap;min-height:36px}
.checks input{width:18px;height:18px;accent-color:var(--ink);flex:0 0 auto}
.counter{display:flex;align-items:center;gap:.7rem;font-size:.85rem;color:var(--text);margin:.3rem 0 1rem}
.counter .bar{flex:1;max-width:220px}
.est{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:2rem;align-items:stretch}
.est .ri-text{max-width:460px}
.facts{display:grid;gap:.8rem;margin:1rem 0}
.facts>div{display:flex;gap:.8rem}
.facts b{display:block;color:var(--text)}
.facts span{font-size:.9rem}
.calc{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.4rem;display:flex;flex-direction:column;gap:1rem;box-shadow:var(--shadow)}
.calc label{font-size:.85rem;color:var(--text);font-weight:600;display:flex;justify-content:space-between;gap:1rem}
.calc input[type=range]{width:100%;accent-color:var(--ink);min-height:30px}
.calc select{width:100%;min-height:44px;border:1px solid var(--line);border-radius:10px;padding:0 .7rem;font:500 .95rem var(--sans);color:var(--text);background:var(--card)}
.calc .res{background:var(--panel);border:1px solid var(--line);border-radius:12px;padding:1rem 1.1rem}
.calc .res b{display:block;font-size:2rem;color:var(--ink);font-weight:600;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.calc .res span{font-size:.82rem}
.calc .row2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem}
.note{font-size:.8rem;color:var(--muted);margin:0}
@media (max-width:1020px){.ri{min-height:0}.ri::after{display:none}.ri>img{position:static;width:100%;height:auto;aspect-ratio:16/9;border-radius:var(--r-in);margin-top:1.3rem;order:9}.est{grid-template-columns:minmax(0,1fr)}.est-card>img{display:none}}
@media (max-width:700px){.checks{grid-template-columns:minmax(0,1fr)}}
/* reviews */
.rsum{display:flex;flex-wrap:wrap;align-items:center;gap:1rem 1.6rem;padding:1.2rem 1.4rem;margin-bottom:1.2rem}
.rsum .score{font-size:2.6rem;font-weight:600;color:var(--ink);letter-spacing:-.03em;line-height:1}
.rsum .stars svg{width:20px;height:20px}
.rsum p{margin:0;color:var(--text)}
.rsum a{margin-left:auto;font-weight:600}
.rgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.rv{padding:1.3rem;display:flex;flex-direction:column;gap:.55rem}
.rv .who{display:flex;gap:.7rem;align-items:center}
.rv .who b{display:block;color:var(--text);font-size:.92rem}
.rv .who small{font-size:.8rem}
.rv h3{font-size:1rem}
.rv p{margin:0;font-size:.92rem}
.rv .req{margin-top:auto;font-size:.78rem;color:var(--text);background:var(--panel);border:1px solid var(--line);border-radius:999px;padding:.3rem .7rem;align-self:flex-start}
@media (max-width:960px){.rgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.rgrid{grid-template-columns:minmax(0,1fr)}}
.dots{letter-spacing:2px;color:var(--accent);white-space:nowrap}
.dots i{font-style:normal;color:var(--line)}
/* T1 rates */
.rates2{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:1.2rem;align-items:stretch}
.rates2 .lcol{display:flex;flex-direction:column;gap:1rem}
.rates2 .lcol .tbl{margin:0}
.factors{flex:1;padding:1.2rem 1.3rem}
.factors .fh{font-weight:600;color:var(--text);margin:0 0 .8rem}
.factors .fx{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem 1.2rem}
.factors .fx b{display:block;color:var(--text);font-size:.92rem}
.factors .fx span{font-size:.86rem}
.repcard{background:var(--ink);border-radius:calc(var(--r) - 6px);padding:1.6rem;color:#EADBC6;display:flex;flex-direction:column;gap:.8rem}
.repcard h3{color:#fff}
.repcard .big{font-size:2.4rem;font-weight:600;color:#fff;letter-spacing:-.03em;font-variant-numeric:tabular-nums;line-height:1}
.repcard p{margin:0}
.repcard a{color:var(--accent-d);font-weight:600;margin-top:auto}
.repkv{margin:0;display:grid;gap:0;border-top:1px solid rgba(234,219,198,.2)}
.repkv div{display:flex;justify-content:space-between;gap:1rem;padding:.55rem 0;border-bottom:1px solid rgba(234,219,198,.2)}
.repkv dt{color:#D8C6AE;font-size:.88rem}.repkv dd{margin:0;color:#fff;font-weight:600;font-variant-numeric:tabular-nums}
@media (max-width:900px){.rates2{grid-template-columns:minmax(0,1fr)}.factors .fx{grid-template-columns:minmax(0,1fr)}}
.why{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.4rem 2rem}
.why div{display:flex;flex-direction:column;gap:.45rem}
.why h3{font-size:1.02rem}
.why p{margin:0;font-size:.93rem}
@media (max-width:860px){.why{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.why{grid-template-columns:minmax(0,1fr)}}
.dis{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}
.dis .inner{padding:1.3rem 1.4rem}
.dis ul{margin:.6rem 0 0;padding-left:1.1rem}
.dis li{margin:.35rem 0;font-size:.92rem}
@media (max-width:760px){.dis{grid-template-columns:minmax(0,1fr)}}
.nap{overflow:hidden;position:relative}
.nap>img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}
.nap::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 530px),rgba(250,246,239,.35) calc(var(--pad) + 680px),rgba(250,246,239,.15) 100%)}
.nap .nap-in{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,520px) minmax(0,360px);justify-content:space-between;gap:2rem;align-items:center}
.napcard{background:var(--ink);color:#EADBC6;border-radius:calc(var(--r) - 6px);padding:1.5rem;font-size:.92rem}
.napcard b{color:#fff;font-size:1.05rem;display:block;margin-bottom:.5rem}
.napcard a{color:#fff}
.reviewed{display:flex;gap:.7rem;align-items:center;margin-top:1rem;font-size:.86rem;color:var(--text);background:var(--card);border:1px solid var(--line);border-radius:12px;padding:.7rem .9rem}
@media (max-width:1020px){.nap>img{display:none}.nap::after{display:none}.nap .nap-in{grid-template-columns:minmax(0,1fr)}}
.faqx{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,44%);gap:2rem;align-items:stretch}
.faqx .fimg{position:relative;min-height:100%}
.faqx .fimg img{position:sticky;top:96px;width:100%;object-fit:cover;border-radius:var(--r-in)}
.acc{border-top:1px solid var(--line)}
.acc details{border-bottom:1px solid var(--line)}
.acc summary{list-style:none;cursor:pointer;padding:1rem 2rem 1rem 0;color:var(--text);font-weight:600;position:relative;min-height:44px}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"+";position:absolute;right:.2rem;top:.85rem;font-size:1.3rem;color:var(--accent);font-weight:400}
.acc details[open] summary::after{content:"–"}
.acc details p{margin:0 0 1rem}
.faqx .faqtext{display:flex;flex-direction:column}
.faqx .faqtext .more{margin-top:1rem;font-weight:600}
@media (max-width:1020px){.faqx{grid-template-columns:minmax(0,1fr)}.faqx .fimg img{position:static;max-width:420px;margin:0 auto;height:auto!important;aspect-ratio:3/5}}
.glossary dl{margin:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 2rem}
.glossary .term{padding:1rem 0;border-top:1px solid var(--line)}
.glossary dt h3{font-size:1.02rem;margin-bottom:.35rem}
.glossary dd{margin:0;font-size:.93rem}
.az{display:flex;flex-wrap:wrap;gap:.35rem;margin-bottom:1.2rem}
.az a{width:34px;height:34px;border:1px solid var(--line);border-radius:8px;display:inline-flex;align-items:center;justify-content:center;text-decoration:none;color:var(--text);background:var(--card);font-weight:600;font-size:.85rem}
@media (max-width:760px){.glossary dl{grid-template-columns:minmax(0,1fr)}}
.lenders{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}
.lender{padding:1.4rem;display:flex;flex-direction:column;gap:.6rem}
.lender h3{font-size:1.12rem}
.lender .kv{grid-template-columns:repeat(2,minmax(0,1fr))}
.lender .watch{font-size:.86rem;color:var(--text);border-left:3px solid var(--accent);padding-left:.7rem;margin-top:auto}
@media (max-width:860px){.lenders{grid-template-columns:minmax(0,1fr)}}
.sitemap-cols{column-count:3;column-gap:1.4rem}
.sitemap-cols>div{break-inside:avoid;margin-bottom:1.4rem}
.sitemap-cols ul{list-style:none;margin:0;padding:0;display:grid;gap:.3rem}
.sitemap-cols a{min-height:32px;display:inline-flex;align-items:center}
@media (max-width:860px){.sitemap-cols{column-count:1}}
.tool{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:1.6rem;align-items:stretch}
.tool .calc{box-shadow:none}
.tool .out{display:flex;flex-direction:column;gap:1rem}
@media (max-width:860px){.tool{grid-template-columns:minmax(0,1fr)}}
.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}