/* =====================================================================
   SUB-PAGES
   Shared parts first, then one block per page. Each page has its own
   signature component so no two pages read the same.
   ===================================================================== */

/* ---------- shared: breadcrumb, section rhythm, buttons row ---------- */
.crumbs{display:flex;gap:8px;align-items:center;font-size:12.5px;font-weight:500;color:rgba(11,11,11,.62);margin-bottom:18px}
.crumbs a{text-decoration:underline;text-decoration-color:rgba(11,11,11,.3);text-underline-offset:3px}
.crumbs a:hover{color:var(--ink)}
.crumbs span[aria-hidden]{opacity:.5}
.psec{padding:90px 0}
.psec--tight{padding:60px 0}
.phead{max-width:640px;margin-bottom:38px}
.phead.center{margin-inline:auto;text-align:center}
.phead p{margin-top:14px;font-size:15px}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.btn svg{width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.btn--white{background:#fff;border-color:#fff;color:var(--ink)}
.btn--white:hover{background:var(--ink);border-color:var(--ink);color:#fff;box-shadow:none}
.ticks{display:grid;gap:12px;margin:22px 0 28px}
.ticks li{position:relative;padding-left:40px;font-size:15px;color:var(--ink-2)}
.ticks li::before{content:"";position:absolute;left:0;top:-1px;width:26px;height:26px;border-radius:50%;background:var(--mint-light) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230FCFAB' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E") center/15px no-repeat}

/* ---------- shared: photo hero / photo band ----------
   The wide photo is shown whole, edge to edge, at its own proportions. The wave along
   the bottom is the photo's own; nothing is drawn or stretched over it. The only added
   piece is a plain mint strip above the photo, behind the menu, so heads clear the nav. */
.phero{position:relative;--top:74px;background:var(--hero-bg,#10E4DA);overflow:hidden}
.phero__top{position:absolute;left:0;right:0;top:0;height:calc(var(--top) + 2px);background-repeat:no-repeat;background-size:100% 9000%;background-position:center top}
.phero__img{display:block;width:100%;height:auto;margin-top:var(--top)}
.phero__in{position:absolute;inset:0;z-index:2;display:flex;align-items:center;padding-top:calc(var(--top) + 10px);padding-bottom:15vw}
.phero__text{max-width:min(560px,44%)}
.phero h1{font-size:clamp(32px,3.5vw,58px);text-wrap:balance}
.phero__lead{margin:1.1em 0 1.6em;font-size:clamp(16px,1.25vw,20px);color:var(--ink-2);max-width:44ch}
/* band (mid-page): the photo sits inside the page container, copy over its empty left side */
.phero--band{--top:0px;background:none;overflow:visible}
.phero--band .phero__box{position:relative}
.phero--band .phero__img{margin-top:0}
.phero--band .phero__in{padding:0 0 12% 5%}
.phero--band h2{max-width:16ch}
.phero--band .phero__text{max-width:42%}
.factbar{border-bottom:1px solid var(--line);background:#fff}
.factbar ul{display:grid;grid-template-columns:repeat(3,1fr)}
.factbar li{padding:22px 24px;text-align:center;font-size:12.5px;color:var(--muted)}
.factbar li+li{border-left:1px solid var(--line)}
.factbar b{display:block;font-family:var(--display);font-weight:800;font-size:22px;color:var(--ink);letter-spacing:-.02em;white-space:nowrap}
ol.track,ol.cal{list-style:none}
.phero--band .phero__in{padding-top:0;display:flex;align-items:center;min-height:var(--h)}
.phero--band{--top:0px;--h:clamp(460px,36vw,560px)}
.phero--band h2{max-width:16ch}
.phero--band .phero__text{padding-bottom:9%}
@media (max-width:1100px){
  .phero{--top:0px}
  .phero__top{display:none}
  .phero__in{position:relative;inset:auto;display:block;padding-top:96px;padding-bottom:6px}
  .phero__text,.phero--band .phero__text{max-width:560px}
  .phero__img{margin-top:8px}
  .phero--band{background:var(--hero-bg)}
  .phero--band .phero__in{display:block;padding:50px 0 6px}
}
@media (max-width:600px){
  .phero__in{padding-top:84px}
  .phero h1{font-size:32px}
  /* taller crop on phones: trims only the empty mint on the left */
  .phero__img{aspect-ratio:4/3;object-fit:cover;object-position:right bottom}
  .phero .btn-row .btn{width:100%;padding:14px}
  .factbar li{padding:14px 6px;font-size:11px}
  .factbar b{font-size:15.5px}
}

/* ---------- shared: portrait photo beside copy ---------- */
.duo{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:center}
.duo--flip{grid-template-columns:1.1fr .9fr}
.duo--flip .duo__media{order:2}
.duo__media img{display:block;width:100%;max-width:440px;height:auto;margin-inline:auto}
.duo--mini{grid-template-columns:.75fr 1.25fr;gap:34px}
.duo--mini.duo--flip{grid-template-columns:1.25fr .75fr}
.duo--mini .duo__media img{max-width:300px}
.duo h2{max-width:18ch;margin-bottom:14px}
.duo p{font-size:15px;max-width:52ch}
@media (max-width:900px){
  .duo,.duo--flip,.duo--mini,.duo--mini.duo--flip{grid-template-columns:1fr;gap:26px}
  .duo--flip .duo__media{order:0}
  .duo__media img{max-width:340px}
}

/* ---------- shared: FAQ block spacing, related pages, closing band ---------- */
.pfaq{padding:0 0 90px}
.pfaq .faq__list{max-width:760px;margin:0 auto}
.related{padding:0 0 90px}
.related h2{font-size:22px;margin-bottom:20px}
.related__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.related a{display:grid;grid-template-columns:1fr auto;gap:14px;align-items:center;padding:20px 22px;border:1px solid var(--line);border-radius:16px;transition:border-color .18s,background .18s}
.related a:hover{border-color:var(--ink);background:var(--mint-tint)}
.related b{display:block;font-family:var(--display);font-weight:700;font-size:16px;letter-spacing:-.01em}
.related small{display:block;font-size:12.5px;color:var(--muted);margin-top:2px}
.related svg{width:18px;height:18px;fill:none;stroke:var(--ink);stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.closer{padding:0 0 100px}
.closer__card{background:var(--ink);border-radius:28px;padding:54px 56px;display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center;color:#fff;
  background-image:radial-gradient(70% 120% at 100% 0%,rgba(14,242,230,.28),transparent 60%)}
.closer h2{color:#fff;max-width:20ch}
.closer p{color:rgba(255,255,255,.7);margin-top:10px;max-width:52ch}
.closer .btn{background:#0EF2E6;border-color:#0EF2E6;padding:16px 34px;font-size:15px}
@media (max-width:900px){
  .psec{padding:60px 0}
  .pfaq,.related{padding-bottom:60px}
  .related__grid{grid-template-columns:1fr}
  .closer{padding-bottom:64px}
  .closer__card{grid-template-columns:1fr;padding:34px 26px;border-radius:22px}
  .closer .btn{width:100%}
}

/* =====================================================================
   1. DEBT CONSOLIDATION — "three in, one out"
   Signature: dark merge board. Three card rows funnel into one mint payment.
   ===================================================================== */
.merge{background:var(--ink);color:#fff;padding:90px 0;position:relative;overflow:hidden}
.merge::before{content:"";position:absolute;right:-180px;top:-180px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(14,242,230,.22),transparent 65%)}
.merge h2{color:#fff}
.merge .phead p{color:rgba(255,255,255,.68)}
.merge__board{position:relative;display:grid;grid-template-columns:1fr 120px 1fr;align-items:center}
.merge__cards{display:grid;gap:12px}
.mcard{display:grid;grid-template-columns:auto 1fr 1fr;gap:14px;align-items:center;background:#17191B;border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:14px 16px}
.mcard__chip{width:44px;height:32px;border-radius:7px;background:linear-gradient(135deg,#2a2d30,#3a3e42);position:relative}
.mcard__chip::after{content:"";position:absolute;left:7px;top:9px;width:12px;height:9px;border-radius:2px;background:#0EF2E6;opacity:.85}
.mcard label{display:block;font-size:11px;color:rgba(255,255,255,.55);margin-bottom:4px}
.mcard .inp{display:flex;align-items:center;background:#0B0B0B;border:1px solid rgba(255,255,255,.14);border-radius:10px;padding:0 10px}
.mcard .inp:focus-within{border-color:#0EF2E6}
.mcard .inp span{font-size:13px;color:rgba(255,255,255,.5)}
.mcard input{width:100%;min-width:0;background:none;border:0;outline:0;color:#fff;font:600 15px var(--display);padding:9px 6px}
.merge__pipes{height:100%;min-height:230px}
.merge__pipes path{fill:none;stroke:#0EF2E6;stroke-width:2.5;stroke-linecap:round;opacity:.9;filter:drop-shadow(0 0 6px rgba(14,242,230,.7))}
.merge__out{background:#0EF2E6;color:var(--ink);border-radius:24px;padding:28px;box-shadow:0 0 0 1px rgba(255,255,255,.2) inset,0 30px 70px rgba(14,242,230,.22)}
.merge__out small{font-size:12px;font-weight:600;color:rgba(11,11,11,.7)}
.merge__pay{font-family:var(--display);font-weight:800;font-size:58px;line-height:1;letter-spacing:-.03em;margin:6px 0 4px}
.merge__pay em{font-style:normal;font-size:15px;font-weight:600;letter-spacing:0;margin-left:4px;color:rgba(11,11,11,.65)}
.merge__sliders{display:grid;gap:14px;margin:18px 0 6px}
.merge__sliders label{display:flex;justify-content:space-between;font-size:12px;font-weight:600;margin-bottom:8px}
.merge__sliders input[type=range]{background:linear-gradient(to right,var(--ink) 0 var(--p,50%),rgba(11,11,11,.18) var(--p,50%) 100%)}
.merge__sliders input[type=range]::-webkit-slider-thumb{border-color:var(--ink)}
.merge__sliders input[type=range]::-moz-range-thumb{border-color:var(--ink)}
.merge__rows{margin-top:16px;border-top:1px solid rgba(11,11,11,.16)}
.merge__rows div{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-bottom:1px solid rgba(11,11,11,.16);font-size:13px}
.merge__rows b{font-weight:700;white-space:nowrap}
.merge__verdict{margin-top:16px;padding:12px 14px;border-radius:12px;background:var(--ink);color:#fff;font-size:13px;font-weight:500;line-height:1.5}
.merge__verdict b{color:#0EF2E6}
.merge__note{margin-top:18px;font-size:12px;color:rgba(255,255,255,.5);max-width:none}
.track{display:grid;grid-template-columns:repeat(3,1fr);gap:0;position:relative;counter-reset:t}
.track::before{content:"";position:absolute;left:8%;right:8%;top:25px;height:2px;background:repeating-linear-gradient(to right,var(--ink) 0 8px,transparent 8px 16px)}
.track li{position:relative;padding:0 22px;text-align:center;counter-increment:t}
.track li::before{content:counter(t);display:grid;place-items:center;width:52px;height:52px;margin:0 auto 18px;border-radius:50%;background:var(--mint-btn);border:2px solid var(--ink);font-family:var(--display);font-weight:800;font-size:18px;position:relative}
.track h3{font-size:18px;margin-bottom:6px}
.track p{font-size:14px;max-width:30ch;margin-inline:auto}
.fit{display:grid;grid-template-columns:1fr 1fr;border:2px solid var(--ink);border-radius:24px;overflow:hidden}
.fit>div{padding:34px 34px 30px}
.fit>div:first-child{background:var(--mint-btn)}
.fit>div:last-child{background:#fff}
.fit h3{font-size:22px;margin-bottom:16px}
.fit li{position:relative;padding:12px 0 12px 26px;border-top:1px solid rgba(11,11,11,.16);font-size:14.5px;color:var(--ink-2)}
.fit li::before{content:"";position:absolute;left:2px;top:19px;width:10px;height:10px;border-radius:50%;border:2px solid var(--ink)}
.fit>div:first-child li::before{background:var(--ink)}
@media (max-width:1000px){
  .merge{padding:60px 0}
  .merge__board{grid-template-columns:1fr}
  .merge__pipes{display:none}
  .merge__out{margin-top:16px}
  .mcard{grid-template-columns:1fr 1fr}
  .mcard__chip{display:none}
  .track{grid-template-columns:1fr;gap:26px}
  .track::before{display:none}
  .track li{display:grid;grid-template-columns:auto 1fr;gap:6px 16px;text-align:left;padding:0}
  .track li::before{grid-row:1/3;margin:0}
  .track p{margin:0;max-width:none}
  .fit{grid-template-columns:1fr}
  .fit>div{padding:26px 22px}
  .merge__pay{font-size:48px}
}

/* =====================================================================
   2. RATES — "the receipt"
   Signature: a paper receipt of every fee, and price tags per APR.
   ===================================================================== */
.aprbadge{display:inline-flex;align-items:baseline;gap:10px;background:var(--ink);color:#fff;border-radius:16px;padding:14px 20px;margin-top:22px}
.aprbadge b{font-family:var(--display);font-weight:800;font-size:28px;letter-spacing:-.02em;color:#0EF2E6;white-space:nowrap}
.aprbadge span{font-size:12px;color:rgba(255,255,255,.7)}
.receipt-wrap{display:grid;grid-template-columns:minmax(0,430px) 1fr;gap:70px;align-items:center}
.fees-sec{background:#F4F5F6}
.receipt-shadow{filter:drop-shadow(0 24px 30px rgba(0,0,0,.14));transform:rotate(-1.6deg)}
.receipt{position:relative;background:#fff;padding:30px 28px 44px;font-size:14px;
  -webkit-mask:linear-gradient(#000,#000) top/100% calc(100% - 10px) no-repeat,conic-gradient(from -45deg at bottom,#0000,#000 1deg 89deg,#0000 90deg) bottom/20px 10px repeat-x;
  mask:linear-gradient(#000,#000) top/100% calc(100% - 10px) no-repeat,conic-gradient(from -45deg at bottom,#0000,#000 1deg 89deg,#0000 90deg) bottom/20px 10px repeat-x}
.receipt__top{text-align:center;padding-bottom:18px;border-bottom:2px dashed #C9CED3}
.receipt__top b{display:block;font-family:var(--display);font-weight:800;font-size:20px}
.receipt__top span{font-size:12px;color:var(--muted)}
.receipt dl{margin:6px 0 0}
.receipt dl div{display:flex;justify-content:space-between;gap:16px;align-items:baseline;padding:13px 0;border-bottom:1px dashed #D9DDE1}
.receipt dt{color:var(--ink-2)}
.receipt dt small{display:block;font-size:11.5px;color:var(--muted)}
.receipt dd{font-family:var(--display);font-weight:800;font-size:17px;white-space:nowrap}
.receipt__total{display:flex;justify-content:space-between;align-items:baseline;margin-top:16px;padding:14px 16px;background:var(--mint-btn);border-radius:10px}
.receipt__total span{font-size:12.5px;font-weight:600}
.receipt__total b{font-family:var(--display);font-weight:800;font-size:20px;white-space:nowrap}
.notes{display:grid;gap:22px}
.notes li{display:grid;grid-template-columns:auto 1fr;gap:16px}
.notes i{width:12px;height:12px;border-radius:50%;background:var(--mint-btn);border:2px solid var(--ink);margin-top:7px}
.notes h3{font-size:18px;margin-bottom:4px}
.notes p{font-size:14.5px;max-width:46ch}
.tags-sec{background:var(--mint-tint);border-top:1px solid #D9F2EB;border-bottom:1px solid #D9F2EB}
.pick{display:flex;flex-wrap:wrap;gap:10px 28px;justify-content:center;margin-bottom:34px}
.pick>div{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:8px;font-size:13px;font-weight:600}
.pick button{border:1.5px solid var(--ink);background:#fff;border-radius:999px;padding:8px 15px;font:700 12.5px var(--body);cursor:pointer;transition:background .15s}
.pick button:hover{background:var(--mint-light)}
.pick button.is-on{background:var(--ink);color:#fff}
.tags{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.tag-card{position:relative;background:#fff;border:2px solid var(--ink);border-radius:18px 18px 18px 18px;padding:30px 22px 22px;text-align:center}
.tag-card::before{content:"";position:absolute;top:10px;left:50%;width:12px;height:12px;margin-left:-6px;border-radius:50%;border:2px solid var(--ink);background:var(--mint-tint)}
.tag-card small{font-size:12px;font-weight:600;color:var(--muted)}
.tag-card .apr{font-family:var(--display);font-weight:800;font-size:22px;margin:2px 0 14px}
.tag-card .pay{font-family:var(--display);font-weight:800;font-size:34px;letter-spacing:-.03em;line-height:1}
.tag-card .pay em{font-style:normal;font-size:13px;font-weight:600;color:var(--muted);letter-spacing:0}
.tag-card .int{margin-top:12px;padding-top:12px;border-top:1px dashed #C9CED3;font-size:13px;color:var(--ink-2)}
.tag-card .int b{font-weight:700}
.tag-card:first-child{background:var(--mint-btn)}
.tag-card:first-child::before{background:#fff}
.tags__fine{text-align:center;margin:20px auto 0;font-size:12px;max-width:70ch}
.factors{display:grid;grid-template-columns:1fr 1fr;gap:0;border-top:1px solid var(--line)}
.factors li{padding:26px 30px 26px 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:auto 1fr;gap:18px}
.factors li:nth-child(even){padding-left:30px;border-left:1px solid var(--line)}
.factors svg{width:26px;height:26px;fill:none;stroke:var(--ink);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;margin-top:2px}
.factors h3{font-size:18px;margin-bottom:4px}
.factors p{font-size:14.5px}
@media (max-width:1000px){
  .receipt-wrap{grid-template-columns:1fr;gap:40px}
  .receipt-shadow{max-width:430px;margin-inline:auto;transform:rotate(-1deg)}
  .tags{grid-template-columns:1fr 1fr}
  .factors{grid-template-columns:1fr}
  .factors li,.factors li:nth-child(even){padding:22px 0;border-left:0}
}
@media (max-width:520px){
  .tag-card{padding:28px 14px 18px}
  .tag-card .pay{font-size:27px}
  .aprbadge b{font-size:23px}
}

/* =====================================================================
   3. LOW-INTEREST — "the spectrum"
   Signature: a cost-of-borrowing scale, then a bento of ways to lower your rate.
   ===================================================================== */
.spectrum{background:var(--ink);color:#fff;border-radius:28px;padding:44px 44px 40px}
.spectrum h2{color:#fff;font-size:clamp(24px,2.6vw,32px)}
.spectrum>p{color:rgba(255,255,255,.66);margin-top:10px;max-width:60ch}
.scale{position:relative;margin:92px 0 70px;height:18px;border-radius:9px;background:linear-gradient(to right,#0EF2E6 0%,#7CF0C9 30%,#F2D46B 62%,#F08A5D 100%)}
.scale__break{position:absolute;right:13%;top:-8px;bottom:-8px;width:16px;background:var(--ink);transform:skewX(-18deg)}
.pin{position:absolute;transform:translateX(-50%);text-align:center;white-space:nowrap}
.pin::after{content:"";position:absolute;left:50%;width:2px;margin-left:-1px;background:rgba(255,255,255,.55)}
.pin b{display:block;font-family:var(--display);font-weight:800;font-size:22px;letter-spacing:-.02em}
.pin span{display:block;font-size:11.5px;color:rgba(255,255,255,.66)}
.pin--up{bottom:30px}
.pin--up::after{top:100%;height:12px}
.pin--down{top:30px}
.pin--down::after{bottom:100%;height:12px}
.pin--us b{color:#0EF2E6}
.spectrum__fine{font-size:12px;color:rgba(255,255,255,.5);max-width:none}
.bento{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}
.bento li{border-radius:22px;padding:28px;border:1px solid var(--line);background:#fff;display:flex;flex-direction:column}
.bento li:nth-child(1){grid-column:span 4;background:var(--mint-btn);border:2px solid var(--ink)}
.bento li:nth-child(2){grid-column:span 2;background:var(--ink);color:#fff;border-color:var(--ink)}
.bento li:nth-child(3),.bento li:nth-child(4),.bento li:nth-child(5){grid-column:span 2}
.bento li:nth-child(6){grid-column:span 6;flex-direction:row;align-items:center;justify-content:space-between;gap:24px;background:var(--mint-tint);border-color:#D9F2EB}
.bento svg{width:30px;height:30px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round;margin-bottom:auto}
.bento h3{font-size:19px;margin:22px 0 6px;line-height:1.25}
.bento li:nth-child(1) h3{font-size:26px;max-width:18ch}
.bento p{font-size:14px}
.bento li:nth-child(1) p{color:var(--ink-2);max-width:52ch}
.bento li:nth-child(2) h3{color:#fff}
.bento li:nth-child(2) p{color:rgba(255,255,255,.7)}
.bento li:nth-child(6) h3{margin-top:0}
.bento li:nth-child(6) svg{display:none}
.bars{display:grid;gap:14px;max-width:820px;margin-inline:auto}
.bars li{display:grid;grid-template-columns:110px 1fr 96px;gap:16px;align-items:center;font-size:13.5px}
.bars b{font-family:var(--display);font-weight:800;font-size:17px}
.bars i{display:block;height:30px;border-radius:8px;background:var(--mint-btn);border:2px solid var(--ink);min-width:6px}
.bars li:last-child i{background:#fff}
.bars em{font-style:normal;font-weight:700;text-align:right;white-space:nowrap}
@media (max-width:900px){
  .spectrum{padding:30px 22px;border-radius:22px}
  .pin b{font-size:17px}
  .pin span{font-size:10.5px;white-space:normal;width:74px;margin-inline:auto}
  .scale{margin:104px 0 86px}
  .bento{grid-template-columns:1fr 1fr}
  .bento li,.bento li:nth-child(n){grid-column:span 1;padding:22px}
  .bento li:nth-child(1),.bento li:nth-child(6){grid-column:span 2}
  .bento li:nth-child(6){flex-direction:column;align-items:flex-start}
  .bento li:nth-child(1) h3{font-size:22px}
  .bars li{grid-template-columns:76px 1fr 74px;gap:10px}
}
@media (max-width:520px){
  .bento{grid-template-columns:1fr}
  .bento li:nth-child(n){grid-column:span 1}
}

/* =====================================================================
   4. CASH ADVANCE — "the bridge to payday"
   Signature: a two-week calendar strip that marks today and payday.
   ===================================================================== */
.bridge{background:var(--mint-tint);border-top:1px solid #D9F2EB;border-bottom:1px solid #D9F2EB}
.bridge__card{background:#fff;border:2px solid var(--ink);border-radius:28px;padding:34px;box-shadow:8px 8px 0 var(--ink)}
.bridge__top{display:grid;grid-template-columns:1fr auto;gap:30px;align-items:end;margin-bottom:26px}
.bridge__amt label{display:block;font-size:13px;font-weight:600;margin-bottom:4px}
.bridge__amt output{display:block;font-family:var(--display);font-weight:800;font-size:54px;letter-spacing:-.03em;line-height:1;margin-bottom:16px}
.bridge__days span{display:block;font-size:13px;font-weight:600;margin-bottom:8px}
.bridge__days div{display:flex;gap:6px}
.bridge__days button{border:1.5px solid var(--ink);background:#fff;border-radius:999px;padding:8px 14px;font:700 12.5px var(--body);cursor:pointer}
.bridge__days button.is-on{background:var(--ink);color:#fff}
.cal{display:grid;grid-template-columns:repeat(14,1fr);gap:6px;margin-bottom:26px}
.cal li{position:relative;aspect-ratio:1/1.15;border-radius:10px;background:#F1F3F4;display:grid;place-items:center;font:700 13px var(--display);color:#9AA0A6;transition:background .2s,color .2s}
.cal li.span{background:var(--mint-light);color:var(--mint-text)}
.cal li.today{background:var(--ink);color:#fff}
.cal li.payday{background:var(--mint-btn);color:var(--ink);box-shadow:0 0 0 2px var(--ink) inset}
.cal li.today::after,.cal li.payday::after{position:absolute;left:50%;transform:translateX(-50%);top:calc(100% + 6px);font:600 10.5px var(--body);color:var(--ink);white-space:nowrap}
.cal li.today::after{content:"Today"}
.cal li.payday::after{content:"Payday"}
.bridge__sum{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:40px;border-top:1px solid var(--line)}
.bridge__sum div{padding:18px 20px 0 0}
.bridge__sum div+div{padding-left:20px;border-left:1px solid var(--line)}
.bridge__sum small{display:block;font-size:12px;color:var(--muted)}
.bridge__sum b{font-family:var(--display);font-weight:800;font-size:24px;letter-spacing:-.02em}
.versus{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:16px}
.versus::after{content:"or";position:absolute;left:50%;top:44px;transform:translate(-50%,-50%);width:48px;height:48px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font:800 14px var(--display)}
.vcol{border-radius:24px;padding:30px 30px 26px;border:1px solid var(--line);background:#fff}
.vcol--a{background:var(--mint-btn);border:2px solid var(--ink)}
.vcol h3{font-size:24px;margin-bottom:18px}
.vcol dl div{display:grid;grid-template-columns:110px 1fr;gap:14px;padding:12px 0;border-top:1px solid rgba(11,11,11,.14);font-size:14px}
.vcol dt{color:rgba(11,11,11,.62);font-size:12.5px;padding-top:1px}
.vcol dd{font-weight:600}
.vcol .btn{margin-top:18px}
@media (max-width:900px){
  .bridge__card{padding:22px 18px;box-shadow:5px 5px 0 var(--ink);border-radius:22px}
  .bridge__top{grid-template-columns:1fr;gap:16px}
  .bridge__amt output{font-size:44px}
  .cal{grid-template-columns:repeat(7,1fr);row-gap:26px}
  .bridge__sum{grid-template-columns:1fr;margin-top:34px}
  .bridge__sum div,.bridge__sum div+div{padding:14px 0;border-left:0;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:baseline}
  .versus{grid-template-columns:1fr}
  .versus::after{top:auto;position:static;transform:none;margin:-6px auto;grid-row:2}
  .vcol{padding:24px 20px}
}

/* =====================================================================
   5. LOAN PAYOFF CALCULATOR — "the instrument panel"
   Signature: dark workspace with a live balance curve.
   ===================================================================== */
.thero{background:var(--mint);padding:112px 0 150px}
.thero h1{font-size:clamp(34px,4vw,52px);max-width:16ch}
.thero p{margin-top:14px;font-size:16px;color:var(--ink-2);max-width:54ch}
.panel{margin-top:-104px;padding-bottom:90px}
.panel__box{background:var(--ink);color:#fff;border-radius:28px;padding:14px;display:grid;grid-template-columns:360px 1fr;gap:14px;box-shadow:0 40px 90px rgba(0,0,0,.25)}
.panel__in{background:#17191B;border-radius:18px;padding:26px}
.pfield{margin-bottom:20px}
.pfield:last-child{margin-bottom:0}
.pfield label{display:flex;justify-content:space-between;font-size:12.5px;font-weight:600;color:rgba(255,255,255,.75);margin-bottom:8px}
.pfield label b{color:#0EF2E6;font-weight:700}
.pfield .inp{display:flex;align-items:center;background:#0B0B0B;border:1px solid rgba(255,255,255,.16);border-radius:12px;padding:0 14px}
.pfield .inp:focus-within{border-color:#0EF2E6}
.pfield .inp span{color:rgba(255,255,255,.5);font-size:15px}
.pfield input[type=number]{width:100%;min-width:0;background:none;border:0;outline:0;color:#fff;font:700 19px var(--display);padding:12px 8px}
.pfield input[type=range]{background:linear-gradient(to right,#0EF2E6 0 var(--p,0%),rgba(255,255,255,.16) var(--p,0%) 100%)}
.panel__out{padding:22px 22px 18px;display:flex;flex-direction:column}
.kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.kpis div{padding-right:18px}
.kpis div+div{padding-left:22px;border-left:1px solid rgba(255,255,255,.14)}
.kpis small{display:block;font-size:12px;color:rgba(255,255,255,.6)}
.kpis b{display:block;font-family:var(--display);font-weight:800;font-size:clamp(24px,2.6vw,34px);letter-spacing:-.02em;line-height:1.15;margin-top:4px;white-space:nowrap}
.kpis div:first-child b{color:#0EF2E6}
.chart{flex:1;min-height:230px;margin:22px 0 10px;position:relative}
.chart svg{width:100%;height:100%;position:absolute;inset:0;overflow:visible}
.chart .grid{stroke:rgba(255,255,255,.1);stroke-width:1}
.chart .base{fill:none;stroke:rgba(255,255,255,.45);stroke-width:2;stroke-dasharray:5 5}
.chart .fast{fill:none;stroke:#0EF2E6;stroke-width:3;stroke-linecap:round;filter:drop-shadow(0 0 6px rgba(14,242,230,.6))}
.chart .area{fill:url(#gradArea)}
.chart text{fill:rgba(255,255,255,.55);font:11px var(--body)}
.legend{display:flex;flex-wrap:wrap;gap:8px 20px;font-size:12px;color:rgba(255,255,255,.7)}
.legend i{display:inline-block;width:18px;height:3px;border-radius:2px;background:#0EF2E6;vertical-align:middle;margin-right:7px}
.legend i.dash{background:repeating-linear-gradient(to right,rgba(255,255,255,.6) 0 5px,transparent 5px 9px)}
.saved{margin-top:14px;padding:13px 16px;border-radius:12px;background:#0EF2E6;color:var(--ink);font-size:13.5px;font-weight:600}
.saved[hidden]{display:none}
.saved.warn{background:#F2D46B}
.tips{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:2px solid var(--ink);border-radius:22px;overflow:hidden}
.tips li{padding:28px}
.tips li+li{border-left:2px solid var(--ink)}
.tips li:nth-child(2){background:var(--mint-btn)}
.tips h3{font-size:18px;margin-bottom:6px}
.tips p{font-size:14px;color:var(--ink-2)}
@media (max-width:1000px){
  .thero{padding:96px 0 130px}
  .panel__box{grid-template-columns:1fr}
  .kpis b{font-size:22px}
  .tips{grid-template-columns:1fr}
  .tips li+li{border-left:0;border-top:2px solid var(--ink)}
}
@media (max-width:520px){
  .panel{margin-top:-96px;padding-bottom:60px}
  .panel__box{border-radius:22px;padding:8px}
  .panel__in{padding:20px 16px}
  .panel__out{padding:18px 10px 12px}
  .kpis{grid-template-columns:1fr 1fr;row-gap:16px}
  .kpis div:nth-child(3){grid-column:1/-1;padding-left:0;border-left:0;padding-top:14px;border-top:1px solid rgba(255,255,255,.14)}
}

/* =====================================================================
   6. DEBT PAYOFF CALCULATOR — "the stack"
   Signature: an editable list of debts and a payoff timeline bar per debt.
   ===================================================================== */
.shero{background:#fff;padding:112px 0 34px;border-bottom:1px solid var(--line);background-image:radial-gradient(60% 90% at 100% 0%,var(--mint-light),transparent 70%)}
.shero h1{font-size:clamp(34px,4vw,50px);max-width:17ch}
.shero p{margin-top:14px;font-size:16px;color:var(--ink-2);max-width:56ch}
.stack{padding:44px 0 90px;background:#FAFBFB}
.stack__grid{display:grid;grid-template-columns:1.05fr .95fr;gap:22px;align-items:start}
.sheet{background:#fff;border:1px solid var(--line);border-radius:22px;padding:24px}
.sheet h2{font-size:20px;margin-bottom:16px}
.drow{display:grid;grid-template-columns:1.3fr 1fr .8fr 1fr 34px;gap:8px;align-items:center;margin-bottom:8px}
.drow--head{font-size:11.5px;font-weight:600;color:var(--muted);margin-bottom:6px}
.drow input{width:100%;min-width:0;border:1.5px solid var(--line);border-radius:10px;padding:10px 10px;font:600 14px var(--body);color:var(--ink);background:#fff;outline:0}
.drow input:focus{border-color:var(--ink)}
.drow button{width:34px;height:34px;border-radius:50%;border:0;background:#F1F3F4;cursor:pointer;font-size:16px;line-height:1;color:var(--ink)}
.drow button:hover{background:#FFE1DC}
.sheet__add{margin-top:6px;border:1.5px dashed #B9BFC5;background:none;border-radius:12px;width:100%;padding:11px;font:600 13px var(--body);cursor:pointer;color:var(--ink-2)}
.sheet__add:hover{border-color:var(--ink);color:var(--ink)}
.sheet__budget{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:22px;padding-top:20px;border-top:1px solid var(--line)}
.sheet__budget label{display:block;font-size:12.5px;font-weight:600;margin-bottom:8px}
.sheet__budget .inp{display:flex;align-items:center;border:1.5px solid var(--ink);border-radius:12px;padding:0 12px}
.sheet__budget .inp span{color:var(--muted)}
.sheet__budget input{width:100%;min-width:0;border:0;outline:0;font:800 19px var(--display);padding:11px 6px;background:none}
.seg{display:grid;grid-template-columns:1fr 1fr;border:1.5px solid var(--ink);border-radius:12px;overflow:hidden}
.seg button{border:0;background:#fff;padding:10px 6px;font:700 13px var(--body);cursor:pointer;line-height:1.25}
.seg button small{display:block;font-weight:500;font-size:10.5px;opacity:.7}
.seg button.is-on{background:var(--ink);color:#fff}
.result{position:sticky;top:90px;background:var(--mint-btn);border:2px solid var(--ink);border-radius:22px;padding:26px}
.result small{font-size:12.5px;font-weight:600}
.result__big{font-family:var(--display);font-weight:800;font-size:46px;letter-spacing:-.03em;line-height:1.05;margin:4px 0 2px}
.result__sub{font-size:14px;color:var(--ink-2)}
.result__rows{margin:18px 0;border-top:1px solid rgba(11,11,11,.18)}
.result__rows div{display:flex;justify-content:space-between;gap:10px;padding:11px 0;border-bottom:1px solid rgba(11,11,11,.18);font-size:13.5px}
.result__rows b{white-space:nowrap}
.gantt{display:grid;gap:10px;background:#fff;border-radius:14px;padding:16px;border:1.5px solid var(--ink)}
.gantt__row{display:grid;grid-template-columns:92px 1fr;gap:10px;align-items:center;font-size:12px}
.gantt__row span{font-weight:600;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.gantt__bar{height:22px;border-radius:6px;background:#F1F3F4;position:relative;overflow:hidden}
.gantt__bar i{position:absolute;left:0;top:0;bottom:0;border-radius:6px;background:var(--ink);display:flex;align-items:center;justify-content:flex-end;padding-right:7px;color:#fff;font:700 10.5px var(--body);font-style:normal;white-space:nowrap;min-width:34px;transition:width .25s}
.gantt__row:nth-child(even) .gantt__bar i{background:var(--mint-text)}
.result__cmp{margin-top:14px;font-size:13px;font-weight:600;line-height:1.5}
.result__warn{margin-top:14px;padding:12px 14px;border-radius:12px;background:#fff;border:1.5px solid var(--ink);font-size:13px;font-weight:600}
.result__warn[hidden]{display:none}
.twoways{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:22px}
.twoways div{border:1.5px solid var(--ink);border-radius:16px;padding:18px}
.twoways h3{font-size:17px;margin-bottom:4px}
.twoways p{font-size:13.5px}
@media (max-width:1000px){
  .stack__grid{grid-template-columns:1fr}
  .result{position:static}
}
@media (max-width:560px){
  .shero{padding:84px 0 26px}
  .stack{padding:26px 0 60px}
  .sheet{padding:18px 14px}
  .drow{grid-template-columns:repeat(3,1fr);row-gap:6px;padding-bottom:12px;margin-bottom:12px;border-bottom:1px solid var(--line)}
  .drow--head{display:none}
  .drow input:nth-child(1){grid-column:1/3}
  .drow button{grid-row:1;grid-column:3;justify-self:end}
  .drow input::placeholder{color:#9AA0A6}
  .sheet__budget{grid-template-columns:1fr}
  .result__big{font-size:38px}
  .twoways{grid-template-columns:1fr}
}

/* =====================================================================
   TIER 2 — GUIDES
   Shared article frame, then one signature block per guide.
   ===================================================================== */
.ameta{display:flex;flex-wrap:wrap;gap:8px 16px;font-size:12.5px;color:rgba(11,11,11,.62);margin-top:18px}
.ameta span+span::before{content:"";display:inline-block;width:4px;height:4px;border-radius:50%;background:currentColor;vertical-align:middle;margin-right:16px;opacity:.6}
.abody{display:grid;grid-template-columns:220px minmax(0,720px);gap:70px;justify-content:center;padding-top:70px;padding-bottom:80px}
.toc{position:sticky;top:96px;align-self:start;font-size:13px}
.toc b{display:block;font-family:var(--display);font-size:13px;margin-bottom:12px}
.toc a{display:block;padding:8px 0 8px 14px;border-left:2px solid var(--line);color:var(--muted);line-height:1.35;transition:color .15s,border-color .15s}
.toc a:hover{color:var(--ink)}
.toc a.is-on{color:var(--ink);font-weight:600;border-left-color:var(--mint-dark)}
.toc a.btn{margin-top:20px;width:100%;padding:12px;color:#fff;border:1.5px solid var(--ink)}
.toc a.btn:hover{color:#fff}
.prose>section{padding-bottom:46px}
.prose>section:last-child{padding-bottom:0}
.prose h2{font-size:clamp(24px,2.5vw,30px);margin-bottom:14px;scroll-margin-top:96px}
.prose h3{font-size:18px;margin:22px 0 6px}
.prose p{font-size:16px;line-height:1.7;color:var(--ink-2);max-width:none;margin-bottom:14px}
.prose p:last-child{margin-bottom:0}
.prose ul.dots{margin:0 0 14px;display:grid;gap:8px}
.prose ul.dots li{position:relative;padding-left:22px;font-size:16px;line-height:1.6;color:var(--ink-2)}
.prose ul.dots li::before{content:"";position:absolute;left:2px;top:.62em;width:8px;height:8px;border-radius:50%;background:var(--mint-btn);border:1.5px solid var(--ink)}
.callout{margin:22px 0;padding:20px 22px;border-radius:16px;background:var(--mint-tint);border:1px solid #D9F2EB;font-size:15px;color:var(--ink-2)}
.callout b{color:var(--ink)}
.inline-cta{margin:26px 0 0;display:grid;grid-template-columns:1fr auto;gap:20px;align-items:center;padding:24px 26px;border-radius:20px;background:var(--ink);color:#fff}
.inline-cta b{display:block;font-family:var(--display);font-size:19px;letter-spacing:-.01em}
.inline-cta span{display:block;font-size:13.5px;color:rgba(255,255,255,.7);margin-top:3px}
.inline-cta .btn{background:#0EF2E6;border-color:#0EF2E6}
@media (max-width:1000px){
  .abody{grid-template-columns:minmax(0,720px);gap:0;padding-top:44px;padding-bottom:60px}
  .toc{display:none}
  .inline-cta{grid-template-columns:1fr}
  .inline-cta .btn{width:100%}
}

/* ---------- guide 1: how to get a personal loan — "the route" ---------- */
.ahero--route{background:var(--mint-tint);border-bottom:1px solid #D9F2EB;padding:118px 0 0}
.ahero--route .container{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:end}
.ahero--route img{display:block;width:100%;max-width:400px;height:auto;margin-inline:auto}
.ahero--route .ahero__text{padding-bottom:56px}
.ahero--route h1{font-size:clamp(32px,3.7vw,50px);max-width:16ch}
.ahero__lead{margin-top:16px;font-size:17px;color:var(--ink-2);max-width:50ch}
.route{position:relative;display:grid;gap:14px;counter-reset:r;margin-top:6px;list-style:none}
.route::before{content:"";position:absolute;left:25px;top:26px;bottom:26px;width:2px;background:repeating-linear-gradient(to bottom,var(--ink) 0 7px,transparent 7px 14px)}
.route>li{position:relative;display:grid;grid-template-columns:52px 1fr;gap:20px;counter-increment:r}
.route>li::before{content:counter(r);width:52px;height:52px;border-radius:50%;background:var(--mint-btn);border:2px solid var(--ink);display:grid;place-items:center;font:800 18px var(--display);position:relative;z-index:1}
.route__card{border:1px solid var(--line);border-radius:18px;padding:22px 24px;background:#fff}
.route__card h3{margin:0 0 8px;font-size:20px;scroll-margin-top:96px}
.route__card p{font-size:15.5px}
.route__do{display:inline-flex;align-items:center;gap:8px;margin-top:6px;padding:7px 13px;border-radius:999px;background:var(--mint-light);font-size:12.5px;font-weight:600;color:var(--ink)}
.ready{border:2px solid var(--ink);border-radius:20px;padding:24px 26px;margin-top:8px}
.ready h3{margin:0 0 4px;font-size:19px}
.ready>p{font-size:14px;margin-bottom:12px}
.ready label{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:center;padding:12px 0;border-top:1px solid var(--line);font-size:15px;cursor:pointer}
.ready input{position:absolute;opacity:0}
.ready i{width:24px;height:24px;border-radius:8px;border:2px solid var(--ink);display:grid;place-items:center;transition:background .15s}
.ready i::after{content:"";width:11px;height:6px;border-left:2.5px solid var(--ink);border-bottom:2.5px solid var(--ink);transform:rotate(-45deg) translate(1px,-1px);opacity:0}
.ready input:checked+i{background:var(--mint-btn)}
.ready input:checked+i::after{opacity:1}
.ready input:focus-visible+i{outline:2px solid var(--ink);outline-offset:3px}
.ready input:checked~span{color:var(--muted);text-decoration:line-through;text-decoration-color:rgba(11,11,11,.3)}
@media (max-width:1000px){
  .ahero--route{padding-top:96px}
  .ahero--route .container{grid-template-columns:1fr;gap:10px}
  .ahero--route .ahero__text{order:-1;padding-bottom:10px}
  .ahero--route img{max-width:300px}
  .route>li{grid-template-columns:40px 1fr;gap:14px}
  .route>li::before{width:40px;height:40px;font-size:15px}
  .route::before{left:19px}
  .route__card{padding:18px}
}

/* ---------- guide 2: what is debt consolidation — "the definition" ---------- */
.ahero--def{background:var(--mint);padding:118px 0 120px;text-align:center}
.ahero--def .crumbs{justify-content:center}
.ahero--def h1{font-size:clamp(34px,4.4vw,58px);max-width:15ch;margin-inline:auto}
.ahero--def .ameta{justify-content:center}
.defcard{position:relative;margin:-74px auto 0;max-width:820px;background:#fff;border:2px solid var(--ink);border-radius:24px;padding:34px 40px;box-shadow:8px 8px 0 var(--ink)}
.defcard small{display:block;font-size:13px;color:var(--muted);margin-bottom:8px}
.defcard small b{font-family:var(--display);font-size:20px;color:var(--ink);margin-right:10px;letter-spacing:-.01em}
.defcard p{font-family:var(--display);font-weight:700;font-size:clamp(20px,2.3vw,27px);line-height:1.35;letter-spacing:-.015em;color:var(--ink);max-width:none}
.billflow{display:grid;grid-template-columns:1fr 70px 1fr 70px 1fr;align-items:center;margin:22px 0 6px}
.billflow__col{display:grid;gap:8px}
.bill{border:1.5px solid var(--ink);border-radius:12px;padding:12px 14px;background:#fff;font-size:13px}
.bill b{display:block;font-family:var(--display);font-size:15px}
.bill--loan{background:var(--ink);color:#fff;padding:20px 16px;text-align:center}
.bill--loan b{font-size:18px;color:#0EF2E6}
.bill--you{background:var(--mint-btn);padding:20px 16px;text-align:center}
.billflow svg{width:100%;height:60px}
.billflow svg path{fill:none;stroke:var(--ink);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.methods{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:18px 0 6px}
.method{border:1px solid var(--line);border-radius:18px;padding:22px;background:#fff}
.method:first-child{background:var(--mint-btn);border:2px solid var(--ink)}
.method h3{margin:0 0 6px;font-size:18px}
.method p{font-size:14.5px;line-height:1.6;margin-bottom:10px}
.method dl{font-size:13px;border-top:1px solid rgba(11,11,11,.14)}
.method dl div{display:grid;grid-template-columns:78px 1fr;gap:10px;padding:8px 0;border-bottom:1px solid rgba(11,11,11,.14)}
.method dt{color:rgba(11,11,11,.6)}
.method dd{font-weight:600}
.doesnt{display:grid;grid-template-columns:1fr 1fr;gap:0;border:2px solid var(--ink);border-radius:20px;overflow:hidden;margin:18px 0 6px}
.doesnt>div{padding:22px 24px}
.doesnt>div+div{border-left:2px solid var(--ink);background:#F4F5F6}
.doesnt h3{margin:0 0 8px;font-size:17px}
.doesnt li{padding:9px 0;border-top:1px solid rgba(11,11,11,.14);font-size:14.5px;color:var(--ink-2)}
@media (max-width:760px){
  .ahero--def{padding:96px 0 100px}
  .defcard{padding:24px 22px;box-shadow:5px 5px 0 var(--ink);margin-top:-64px}
  .billflow{grid-template-columns:1fr;gap:4px}
  .billflow svg{height:34px;width:60px;margin-inline:auto;transform:rotate(90deg)}
  .methods,.doesnt{grid-template-columns:1fr}
  .doesnt>div+div{border-left:0;border-top:2px solid var(--ink)}
}

/* ---------- guide 3: does it hurt your credit — "the dip and the climb" ---------- */
.ahero--score{background:#fff;padding:118px 0 60px;border-bottom:1px solid var(--line);background-image:radial-gradient(50% 80% at 0% 0%,var(--mint-light),transparent 70%)}
.ahero--score .container{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.ahero--score h1{font-size:clamp(32px,3.8vw,50px);max-width:15ch}
.verdict{background:var(--ink);color:#fff;border-radius:24px;padding:30px 30px 28px;position:relative;overflow:hidden}
.verdict::after{content:"";position:absolute;right:-70px;bottom:-70px;width:220px;height:220px;border-radius:50%;background:radial-gradient(circle,rgba(14,242,230,.35),transparent 65%)}
.verdict small{font-size:12.5px;font-weight:600;color:#0EF2E6}
.verdict p{font-family:var(--display);font-weight:700;font-size:clamp(20px,2.1vw,25px);line-height:1.35;letter-spacing:-.015em;color:#fff;margin-top:8px;max-width:none;position:relative;z-index:1}
.scoreline{border:2px solid var(--ink);border-radius:22px;padding:26px 26px 20px;margin:18px 0 6px;background:#fff}
.scoreline svg{display:block;width:100%;height:auto;overflow:visible}
.scoreline .axis{stroke:var(--line);stroke-width:1.5}
.scoreline .curve{fill:none;stroke:var(--ink);stroke-width:3.5;stroke-linecap:round;stroke-linejoin:round}
.scoreline .glow{fill:none;stroke:var(--mint-btn);stroke-width:12;stroke-linecap:round;stroke-linejoin:round;opacity:.9}
.scoreline circle{fill:#fff;stroke:var(--ink);stroke-width:3}
.scoreline text{font:600 12px var(--body);fill:var(--ink)}
.scoreline text.sub{font-weight:400;fill:var(--muted);font-size:11px}
.scoreline__events{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:18px;padding-top:18px;border-top:1px solid var(--line)}
.scoreline__events b{display:block;font-family:var(--display);font-size:14.5px;margin-bottom:3px}
.scoreline__events span{font-size:12.5px;color:var(--muted);line-height:1.45;display:block}
.scoreline__events i{display:inline-block;font-style:normal;font-size:11px;font-weight:700;padding:2px 8px;border-radius:999px;margin-bottom:6px;background:#F1F3F4}
.scoreline__events i.up{background:var(--mint-light);color:var(--mint-text)}
.scoreline__events i.down{background:#FFE8D9;color:#9A4A12}
.scoreline figcaption{margin-top:14px;font-size:12px;color:var(--muted)}
.pushpull{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:18px 0 6px}
.pushpull>div{border-radius:18px;padding:22px 24px}
.pushpull>div:first-child{background:#FFF3EA;border:1px solid #F6D9C2}
.pushpull>div:last-child{background:var(--mint-tint);border:1px solid #D9F2EB}
.pushpull h3{margin:0 0 8px;font-size:17px}
.pushpull li{padding:10px 0;border-top:1px solid rgba(11,11,11,.12);font-size:14.5px;color:var(--ink-2)}
.pushpull li b{color:var(--ink)}
@media (max-width:900px){
  .ahero--score{padding:96px 0 40px}
  .ahero--score .container{grid-template-columns:1fr;gap:26px}
  .scoreline{padding:18px 16px}
  .scoreline__events{grid-template-columns:1fr 1fr}
  .pushpull{grid-template-columns:1fr}
}

/* ---------- /learn/ hub — "the front page" ---------- */
.lhero{background:var(--mint);padding:118px 0 150px}
.lhero h1{font-size:clamp(36px,4.6vw,62px);max-width:14ch}
.lhero p{margin-top:16px;font-size:17px;color:var(--ink-2);max-width:48ch}
.feat{margin-top:-104px}
.feat__card{display:grid;grid-template-columns:1.1fr .9fr;background:#fff;border:2px solid var(--ink);border-radius:28px;overflow:hidden;transition:box-shadow .2s,transform .2s}
.feat__card:hover{box-shadow:8px 8px 0 var(--ink);transform:translate(-3px,-3px)}
.feat__text{padding:44px 44px 40px;display:flex;flex-direction:column}
.feat__text small{font-size:12.5px;font-weight:600;color:var(--mint-text)}
.feat__text h2{font-size:clamp(26px,3vw,38px);margin:10px 0 12px;max-width:16ch}
.feat__text p{font-size:15.5px;max-width:44ch;margin-bottom:24px}
.feat__text .btn{align-self:flex-start;margin-top:auto}
.feat__media{background:var(--mint-tint);display:flex;align-items:flex-end;justify-content:center;padding:26px 20px 0}
.feat__media img{display:block;width:100%;max-width:330px;height:auto}
.lgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.lcard{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:22px;overflow:hidden;background:#fff;transition:border-color .18s,transform .18s}
.lcard:hover{border-color:var(--ink);transform:translateY(-3px)}
.lcard__art{height:170px;display:grid;place-items:center;padding:20px}
.lcard__art--a{background:var(--ink)}
.lcard__art--b{background:var(--mint-btn)}
.lcard__art svg{width:100%;max-width:300px;height:auto;overflow:visible}
.lcard__body{padding:24px 26px 26px}
.lcard__body small{font-size:12px;color:var(--muted)}
.lcard__body h3{font-size:21px;margin:6px 0 8px;line-height:1.25}
.lcard__body p{font-size:14.5px}
.quick{background:#F4F5F6}
.quick dl{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.quick dl div{background:#fff;border-radius:18px;padding:24px;scroll-margin-top:96px}
.quick dt{font-family:var(--display);font-weight:800;font-size:18px;letter-spacing:-.01em;margin-bottom:8px}
.quick dd{font-size:14.5px;color:var(--ink-2);line-height:1.6}
.toolrow{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:2px solid var(--ink);border-radius:22px;overflow:hidden}
.toolrow a{padding:26px 26px 24px;display:block;transition:background .18s}
.toolrow a+a{border-left:2px solid var(--ink)}
.toolrow a:hover{background:var(--mint-btn)}
.toolrow svg{width:28px;height:28px;fill:none;stroke:var(--ink);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;margin-bottom:16px}
.toolrow b{display:block;font-family:var(--display);font-size:18px;letter-spacing:-.01em}
.toolrow span{display:block;font-size:13.5px;color:var(--muted);margin-top:3px}
@media (max-width:900px){
  .lhero{padding:96px 0 130px}
  .feat__card{grid-template-columns:1fr}
  .feat__text{padding:28px 24px}
  .feat__media{order:-1;padding-top:20px}
  .feat__media img{max-width:240px}
  .lgrid,.quick dl,.toolrow{grid-template-columns:1fr}
  .toolrow a+a{border-left:0;border-top:2px solid var(--ink)}
}

/* =====================================================================
   TIER 2 PART 2 — four more guides
   ===================================================================== */
.lgrid--3{grid-template-columns:repeat(3,1fr)}
.lgrid--3 .lcard__art{height:140px}
.lgrid--3 .lcard__body h3{font-size:19px}
.lcard__art--c{background:#F4F5F6}
.lcard__art--d{background:var(--mint-tint)}
@media (max-width:900px){.lgrid--3{grid-template-columns:1fr}}

/* ---------- guide 4: how a debt consolidation loan works — "the worked example" ---------- */
.ahero--walk{background:#F4F5F6;padding:118px 0 64px}
.ahero--walk .container{display:grid;grid-template-columns:1.15fr .85fr;gap:50px;align-items:center}
.ahero--walk h1{font-size:clamp(32px,3.8vw,50px);max-width:15ch}
.threeone{display:flex;align-items:center;justify-content:center;gap:18px;background:var(--ink);border-radius:28px;padding:38px 30px;color:#fff}
.threeone b{font-family:var(--display);font-weight:800;font-size:clamp(70px,9vw,118px);line-height:1;letter-spacing:-.05em}
.threeone b:last-of-type{color:#0EF2E6}
.threeone svg{width:64px;height:40px;fill:none;stroke:#0EF2E6;stroke-width:3;stroke-linecap:round;stroke-linejoin:round;flex:none}
.threeone span{display:block;font-size:12px;color:rgba(255,255,255,.6);text-align:center;margin-top:4px}
.when{display:grid;gap:0;margin:18px 0 6px;border:2px solid var(--ink);border-radius:20px;overflow:hidden;list-style:none}
.when li{display:grid;grid-template-columns:150px 1fr;gap:0;border-bottom:1px solid var(--line)}
.when li:last-child{border-bottom:0}
.when time{background:var(--mint-btn);padding:18px 16px;font:800 14px var(--display);border-right:2px solid var(--ink);display:flex;align-items:center}
.when li:last-child time{background:var(--ink);color:#0EF2E6}
.when div{padding:16px 20px}
.when b{display:block;font-family:var(--display);font-size:16px;margin-bottom:2px}
.when span{font-size:14.5px;color:var(--ink-2);line-height:1.55}
.ledger{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:18px 0 6px}
.ledger>div{border:1px solid var(--line);border-radius:18px;padding:20px 22px;background:#fff}
.ledger>div:last-child{background:var(--ink);color:#fff;border-color:var(--ink)}
.ledger h3{margin:0 0 10px;font-size:17px}
.ledger>div:last-child h3{color:#fff}
.ledger table{width:100%;border-collapse:collapse;font-size:14px}
.ledger td{padding:9px 0;border-top:1px solid rgba(11,11,11,.12)}
.ledger>div:last-child td{border-top-color:rgba(255,255,255,.16)}
.ledger td:last-child{text-align:right;font-weight:700;white-space:nowrap}
.ledger tr.sum td{font-family:var(--display);font-weight:800;font-size:16px;border-top-width:2px;border-top-color:currentColor}
.ledger>div:last-child tr.sum td:last-child{color:#0EF2E6}
.vsbars{margin:18px 0 6px;display:grid;gap:12px}
.vsbars div{display:grid;grid-template-columns:170px 1fr 84px;gap:14px;align-items:center;font-size:14px}
.vsbars i{display:block;height:34px;border-radius:9px;border:2px solid var(--ink);background:#fff}
.vsbars div:first-child i{background:var(--mint-btn)}
.vsbars em{font-style:normal;font-family:var(--display);font-weight:800;font-size:17px;text-align:right}
@media (max-width:900px){
  .ahero--walk{padding:96px 0 44px}
  .ahero--walk .container{grid-template-columns:1fr;gap:26px}
  .when li{grid-template-columns:1fr}
  .when time{border-right:0;border-bottom:2px solid var(--ink);padding:10px 16px}
  .ledger{grid-template-columns:1fr}
  .vsbars div{grid-template-columns:1fr 84px;row-gap:4px}
  .vsbars div span{grid-column:1/-1}
}

/* ---------- guide 5: fixed-rate personal loans — "the flat line" ---------- */
.ahero--flat{background:#fff;padding:118px 0 56px;border-bottom:1px solid var(--line)}
.ahero--flat .container{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}
.ahero--flat h1{font-size:clamp(32px,3.8vw,50px);max-width:14ch}
.lines{border:2px solid var(--ink);border-radius:24px;padding:22px 22px 16px;background:var(--mint-tint)}
.lines svg{display:block;width:100%;height:auto;overflow:visible}
.lines .fixed{fill:none;stroke:var(--ink);stroke-width:4;stroke-linecap:round}
.lines .glow{fill:none;stroke:var(--mint-btn);stroke-width:14;stroke-linecap:round}
.lines .var{fill:none;stroke:#9AA0A6;stroke-width:3;stroke-linecap:round;stroke-dasharray:2 9}
.lines text{font:600 13px var(--body);fill:var(--ink)}
.lines text.mute{fill:var(--muted);font-weight:500}
.lines p{font-size:12px;margin-top:10px}
.amort{border:2px solid var(--ink);border-radius:22px;padding:24px 24px 18px;margin:18px 0 6px}
.amort__bars{display:grid;grid-template-columns:repeat(12,1fr);gap:8px;align-items:end;height:210px}
.amort__bars div{display:flex;flex-direction:column;height:100%;justify-content:flex-end;border-radius:8px;overflow:hidden;border:1.5px solid var(--ink)}
.amort__bars i{display:block;background:var(--ink)}
.amort__bars b{display:block;background:var(--mint-btn);flex:1}
.amort__x{display:grid;grid-template-columns:repeat(12,1fr);gap:8px;margin-top:8px;font:600 11px var(--body);color:var(--muted);text-align:center}
.amort__key{display:flex;flex-wrap:wrap;gap:8px 22px;margin-top:16px;padding-top:14px;border-top:1px solid var(--line);font-size:13px;color:var(--ink-2)}
.amort__key i{display:inline-block;width:14px;height:14px;border-radius:4px;border:1.5px solid var(--ink);vertical-align:-2px;margin-right:8px;background:var(--mint-btn)}
.amort__key i.k2{background:var(--ink)}
.fvv{width:100%;border-collapse:separate;border-spacing:0;margin:18px 0 6px;border:2px solid var(--ink);border-radius:20px;overflow:hidden;font-size:14.5px}
.fvv th,.fvv td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.fvv tr:last-child td{border-bottom:0}
.fvv thead th{font-family:var(--display);font-weight:800;font-size:15px;border-bottom:2px solid var(--ink)}
.fvv thead th:nth-child(2),.fvv td:nth-child(2){background:var(--mint-btn)}
.fvv td:first-child{color:var(--muted);font-size:13px;width:26%}
@media (max-width:900px){
  .ahero--flat{padding:96px 0 40px}
  .ahero--flat .container{grid-template-columns:1fr;gap:26px}
  .amort{padding:16px 14px}
  .amort__bars,.amort__x{gap:4px}
  .amort__bars{height:160px}
  .fvv th,.fvv td{padding:11px 12px;font-size:13.5px}
}

/* ---------- guide 6: how to get approved — "the readiness check" ---------- */
.ahero--ready{background:var(--mint);padding:118px 0 64px}
.ahero--ready .container{display:grid;grid-template-columns:1.2fr .8fr;gap:50px;align-items:center}
.ahero--ready h1{font-size:clamp(32px,3.8vw,50px);max-width:15ch}
.meter{background:#fff;border:2px solid var(--ink);border-radius:24px;padding:26px;text-align:center;box-shadow:8px 8px 0 var(--ink)}
.meter svg{width:150px;height:150px;transform:rotate(-90deg);margin-inline:auto}
.meter circle{fill:none;stroke-width:12}
.meter .bg{stroke:#EEF0F2}
.meter .fg{stroke:var(--ink);stroke-linecap:round;stroke-dasharray:100;stroke-dashoffset:calc(100 - var(--v,0));transition:stroke-dashoffset .3s}
.meter__num{margin-top:-150px;height:150px;font:800 34px var(--display);letter-spacing:-.02em;display:grid;place-items:center}
.meter b{display:block;font-family:var(--display);font-size:17px;margin-top:6px}
.meter span{display:block;font-size:12.5px;color:var(--muted);margin-top:4px}
.switches{display:grid;gap:10px;margin:18px 0 6px}
.switch{display:grid;grid-template-columns:1fr auto;gap:18px;align-items:center;border:1.5px solid var(--line);border-radius:16px;padding:16px 18px;cursor:pointer;transition:border-color .15s,background .15s}
.switch:has(input:checked){border-color:var(--ink);background:var(--mint-tint)}
.switch b{display:block;font-family:var(--display);font-size:16px}
.switch small{display:block;font-size:13.5px;color:var(--muted);margin-top:2px;line-height:1.5}
.switch input{position:absolute;opacity:0}
.switch i{width:50px;height:30px;border-radius:999px;background:#D9DDE1;position:relative;transition:background .2s;flex:none}
.switch i::after{content:"";position:absolute;left:3px;top:3px;width:24px;height:24px;border-radius:50%;background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.25);transition:transform .2s}
.switch input:checked+i{background:var(--ink)}
.switch input:checked+i::after{transform:translateX(20px);background:#0EF2E6}
.switch input:focus-visible+i{outline:2px solid var(--ink);outline-offset:3px}
.fixes{display:grid;gap:10px;margin:18px 0 6px}
.fixes li{display:grid;grid-template-columns:1fr 44px 1.2fr;align-items:stretch;border-radius:16px;overflow:hidden;border:1px solid var(--line)}
.fixes div{padding:16px 18px;font-size:14.5px;color:var(--ink-2)}
.fixes div:first-child{background:#FFF3EA}
.fixes div:last-child{background:var(--mint-tint)}
.fixes b{display:block;font-family:var(--display);font-size:15.5px;color:var(--ink);margin-bottom:2px}
.fixes svg{width:100%;height:100%;padding:12px;fill:none;stroke:var(--ink);stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round;background:#fff}
@media (max-width:900px){
  .ahero--ready{padding:96px 0 44px}
  .ahero--ready .container{grid-template-columns:1fr;gap:26px}
  .meter{box-shadow:5px 5px 0 var(--ink);max-width:320px}
  .fixes li{grid-template-columns:1fr}
  .fixes svg{height:34px;padding:6px;transform:rotate(90deg);width:34px;margin-inline:auto}
}

/* ---------- guide 7: improve your credit score quickly — "the three lanes" ---------- */
.ahero--lanes{background:var(--mint-tint);padding:118px 0 60px;border-bottom:1px solid #D9F2EB}
.ahero--lanes h1{font-size:clamp(32px,4vw,54px);max-width:17ch}
.honest{display:inline-flex;align-items:center;gap:12px;margin-top:22px;background:var(--ink);color:#fff;border-radius:14px;padding:13px 18px;font-size:14px;font-weight:500}
.honest svg{width:20px;height:20px;fill:none;stroke:#0EF2E6;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round;flex:none}
.lanes{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px -40px 6px}
.lane{border-radius:20px;padding:16px;background:#F4F5F6}
.lane:nth-child(1){background:var(--mint-btn)}
.lane:nth-child(3){background:var(--ink)}
.lane>b{display:flex;flex-direction:column;gap:1px;font-family:var(--display);font-size:17px;padding:4px 6px 12px}
.lane>b small{font:500 11.5px var(--body);opacity:.7}
.lane:nth-child(3)>b{color:#fff}
.lane div{background:#fff;border-radius:14px;padding:14px 16px;margin-bottom:8px;border:1.5px solid var(--ink)}
.lane div:last-child{margin-bottom:0}
.lane h3{margin:0 0 4px;font-size:15.5px;line-height:1.3}
.lane p{font-size:13.5px;line-height:1.5;margin:0;color:var(--ink-2)}
.myths{display:grid;gap:0;margin:18px 0 6px;border:2px solid var(--ink);border-radius:20px;overflow:hidden}
.myths li{display:grid;grid-template-columns:auto 1fr;gap:16px;padding:16px 20px;border-bottom:1px solid var(--line);font-size:14.5px;color:var(--ink-2)}
.myths li:last-child{border-bottom:0}
.myths i{width:26px;height:26px;border-radius:50%;border:2px solid var(--ink);display:grid;place-items:center;font:800 13px var(--display);font-style:normal;margin-top:1px}
.myths b{display:block;color:var(--ink);text-decoration:line-through;text-decoration-color:rgba(11,11,11,.4);font-family:var(--display);font-size:15.5px}
@media (max-width:1100px){.lanes{margin-inline:0}}
@media (max-width:900px){
  .ahero--lanes{padding:96px 0 40px}
  .lanes{grid-template-columns:1fr}
  .honest{align-items:flex-start}
}

/* =====================================================================
   TIER 0 — company and legal pages
   ===================================================================== */
/* ---------- terms — "plain words beside the legal words" ---------- */
.dhero{background:var(--ink);color:#fff;padding:118px 0 60px;position:relative;overflow:hidden}
.dhero::after{content:"";position:absolute;right:-140px;top:-140px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(14,242,230,.25),transparent 65%)}
.dhero .crumbs{color:rgba(255,255,255,.6)}
.dhero .crumbs a{text-decoration-color:rgba(255,255,255,.35)}
.dhero .crumbs a:hover{color:#fff}
.dhero h1{color:#fff;font-size:clamp(34px,4.2vw,56px);max-width:16ch;position:relative;z-index:1}
.dhero p{color:rgba(255,255,255,.72);margin-top:14px;font-size:16px;max-width:56ch;position:relative;z-index:1}
.dhero .ameta{color:rgba(255,255,255,.55)}
.page--terms .nav:not(.is-pinned) .logo,.page--terms .nav:not(.is-pinned) .nav__btn,.page--terms .nav:not(.is-pinned) .nav__plain{color:#fff}
.page--terms .nav:not(.is-pinned) .nav__btn:hover,.page--terms .nav:not(.is-pinned) .nav__plain:hover,.page--terms .nav:not(.is-pinned) .has-drop.is-open .nav__btn{background:rgba(255,255,255,.14)}
.page--terms .nav:not(.is-pinned) .nav__end .btn{background:#0EF2E6;border-color:#0EF2E6;color:var(--ink)}
.clauses{counter-reset:c}
.clause{display:grid;grid-template-columns:minmax(0,1fr) 250px;gap:34px;padding:34px 0;border-top:1px solid var(--line);counter-increment:c}
.clause:first-child{border-top:0;padding-top:0}
.clause h2{font-size:22px;margin-bottom:10px;scroll-margin-top:96px}
.clause h2::before{content:counter(c) ". ";color:var(--mint-text)}
.clause p{font-size:15.5px;line-height:1.7;color:var(--ink-2);max-width:none;margin-bottom:12px}
.clause p:last-child{margin-bottom:0}
.short{align-self:start;background:var(--mint-btn);border:2px solid var(--ink);border-radius:16px;padding:16px 18px;font-size:14px;line-height:1.5;color:var(--ink)}
.short b{display:block;font-family:var(--display);font-size:12.5px;margin-bottom:4px}
.abody--doc{grid-template-columns:200px minmax(0,860px);gap:60px}
@media (max-width:1000px){.abody--doc{grid-template-columns:minmax(0,860px)}.clause{grid-template-columns:1fr;gap:14px;padding:26px 0}.dhero{padding:96px 0 44px}}

/* ---------- privacy — "the data map" ---------- */
.vhero{background:var(--mint-tint);border-bottom:1px solid #D9F2EB;padding:118px 0 56px}
.vhero h1{font-size:clamp(34px,4.2vw,56px);max-width:14ch}
.vhero>.container>p{margin-top:14px;font-size:16px;color:var(--ink-2);max-width:56ch}
.datamap{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:34px}
.datamap a{display:block;background:#fff;border:2px solid var(--ink);border-radius:20px;padding:22px;transition:transform .18s,box-shadow .18s}
.datamap a:hover{transform:translate(-3px,-3px);box-shadow:6px 6px 0 var(--ink)}
.datamap svg{width:28px;height:28px;fill:none;stroke:var(--ink);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;margin-bottom:16px}
.datamap b{display:block;font-family:var(--display);font-size:17px;letter-spacing:-.01em}
.datamap span{display:block;font-size:13px;color:var(--muted);margin-top:4px;line-height:1.45}
.pgroup{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:16px 0 6px}
.pgroup div{border:1px solid var(--line);border-radius:16px;padding:18px 20px}
.pgroup div:first-child{background:var(--mint-tint);border-color:#D9F2EB}
.pgroup h3{margin:0 0 6px;font-size:16px}
.pgroup p{font-size:14px;line-height:1.55;margin:0}
.share{width:100%;border-collapse:separate;border-spacing:0;border:2px solid var(--ink);border-radius:18px;overflow:hidden;margin:16px 0 6px;font-size:14.5px}
.share th,.share td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.share tr:last-child td{border-bottom:0}
.share thead th{background:var(--ink);color:#fff;font-family:var(--display);font-size:14px}
.share td:nth-child(2){font-weight:700;white-space:nowrap}
.share td:nth-child(3){color:var(--muted)}
@media (max-width:900px){.vhero{padding:96px 0 40px}.datamap{grid-template-columns:1fr 1fr}.pgroup{grid-template-columns:1fr}.share th,.share td{padding:11px 12px;font-size:13.5px}}
@media (max-width:480px){.datamap{grid-template-columns:1fr}}

/* ---------- licenses — "check us yourself" ---------- */
.chero{background:#F4F5F6;padding:118px 0 60px}
.chero .container{display:grid;grid-template-columns:1.2fr .8fr;gap:50px;align-items:center}
.chero h1{font-size:clamp(34px,4vw,52px);max-width:14ch}
.chero p{margin-top:14px;font-size:16px;color:var(--ink-2);max-width:50ch}
.seal{background:#fff;border:2px solid var(--ink);border-radius:24px;padding:28px;text-align:center;position:relative}
.seal::before{content:"";position:absolute;inset:8px;border:1.5px dashed #B9BFC5;border-radius:17px;pointer-events:none}
.seal svg{width:64px;height:64px;fill:none;stroke:var(--ink);stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;margin:6px auto 12px}
.seal b{display:block;font-family:var(--display);font-size:19px}
.seal span{display:block;font-size:13px;color:var(--muted);margin-top:6px;line-height:1.5}
.verify{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:2px solid var(--ink);border-radius:22px;overflow:hidden;counter-reset:v;list-style:none}
.verify li{padding:26px;counter-increment:v}
.verify li+li{border-left:2px solid var(--ink)}
.verify li::before{content:counter(v);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--mint-btn);border:2px solid var(--ink);font:800 15px var(--display);margin-bottom:16px}
.verify h3{font-size:18px;margin-bottom:6px}
.verify p{font-size:14.5px}
.lictable{width:100%;border-collapse:separate;border-spacing:0;border:2px solid var(--ink);border-radius:18px;overflow:hidden;font-size:14.5px}
.lictable th,.lictable td{padding:13px 18px;text-align:left;border-bottom:1px solid var(--line)}
.lictable tr:last-child td{border-bottom:0}
.lictable thead th{background:var(--mint-btn);font-family:var(--display);border-bottom:2px solid var(--ink)}
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:0;border:1px solid var(--line);border-radius:18px;overflow:hidden}
.facts div{padding:20px 22px;border-right:1px solid var(--line)}
.facts small{display:block;font-size:12px;color:var(--muted)}
.facts b{display:block;font-family:var(--display);font-size:17px;margin-top:3px}
@media (max-width:900px){.chero{padding:96px 0 44px}.chero .container{grid-template-columns:1fr;gap:26px}.verify{grid-template-columns:1fr}.verify li+li{border-left:0;border-top:2px solid var(--ink)}}

/* ---------- about — "the manifesto" ---------- */
.manifesto{background:var(--ink);color:#fff;padding:96px 0;position:relative;overflow:hidden}
.manifesto::before{content:"";position:absolute;left:-160px;bottom:-200px;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(14,242,230,.2),transparent 65%)}
.manifesto p{position:relative;font-family:var(--display);font-weight:800;font-size:clamp(28px,4.4vw,60px);line-height:1.12;letter-spacing:-.03em;color:#fff;max-width:18ch}
.manifesto p em{font-style:normal;color:#0EF2E6}
.manifesto small{display:block;position:relative;margin-top:26px;font-size:15px;color:rgba(255,255,255,.66);max-width:52ch;line-height:1.6}
.offer{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:2px solid var(--ink);border-radius:22px;overflow:hidden}
.offer a{padding:26px 22px;display:block;transition:background .18s}
.offer a+a{border-left:2px solid var(--ink)}
.offer a:hover{background:var(--mint-btn)}
.offer small{font-size:12.5px;color:var(--muted)}
.offer b{display:block;font-family:var(--display);font-weight:800;font-size:24px;letter-spacing:-.02em;margin:4px 0 8px}
.offer span{display:block;font-size:13.5px;color:var(--ink-2);line-height:1.5}
.money{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.money>div{border-radius:22px;padding:30px}
.money>div:first-child{background:var(--mint-btn);border:2px solid var(--ink)}
.money>div:last-child{background:#F4F5F6}
.money h3{font-size:21px;margin-bottom:12px}
.money li{padding:11px 0;border-top:1px solid rgba(11,11,11,.16);font-size:15px;color:var(--ink-2)}
.pledge{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;counter-reset:p}
.pledge li{border:1px solid var(--line);border-radius:20px;padding:26px;font-family:var(--display);font-weight:700;font-size:19px;line-height:1.35;letter-spacing:-.01em}
.pledge li::before{content:"";display:block;width:34px;height:34px;border-radius:50%;margin-bottom:18px;background:var(--mint-light) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230FCFAB' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E") center/18px no-repeat}
@media (max-width:900px){.manifesto{padding:64px 0}.offer{grid-template-columns:1fr 1fr}.offer a:nth-child(3){border-left:0}.offer a:nth-child(n+3){border-top:2px solid var(--ink)}.money,.pledge{grid-template-columns:1fr}}
@media (max-width:480px){.offer{grid-template-columns:1fr}.offer a+a{border-left:0;border-top:2px solid var(--ink)}}

/* ---------- contact — "the help desk" ---------- */
.khero{background:var(--mint);padding:118px 0 0}
.khero .container{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:end}
.khero__text{padding-bottom:64px}
.khero h1{font-size:clamp(36px,4.6vw,60px);max-width:12ch}
.khero p{margin-top:14px;font-size:17px;color:var(--ink-2);max-width:44ch}
.khero .mail{display:inline-flex;align-items:center;gap:12px;margin-top:24px;background:var(--ink);color:#fff;border-radius:999px;padding:14px 24px;font-weight:600;font-size:15px;transition:background .18s}
.khero .mail:hover{background:#222}
.khero .mail svg{width:20px;height:20px;fill:none;stroke:#0EF2E6;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.khero img{display:block;width:100%;max-width:380px;height:auto;margin-inline:auto}
.desk{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.desk a{display:grid;grid-template-columns:auto 1fr auto;gap:18px;align-items:center;border:1px solid var(--line);border-radius:20px;padding:24px;transition:border-color .18s,background .18s}
.desk a:hover{border-color:var(--ink);background:var(--mint-tint)}
.desk i{width:52px;height:52px;border-radius:16px;background:var(--mint-btn);border:2px solid var(--ink);display:grid;place-items:center}
.desk svg{width:22px;height:22px;fill:none;stroke:var(--ink);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.desk b{display:block;font-family:var(--display);font-size:18px;letter-spacing:-.01em;color:var(--ink)}
.desk a>span{margin-top:0}
.desk span{display:block;font-size:14px;color:var(--muted);margin-top:3px;line-height:1.5}
.self{background:#F4F5F6}
.self__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.self__grid a{background:#fff;border-radius:16px;padding:20px;font-family:var(--display);font-weight:700;font-size:16px;display:flex;justify-content:space-between;align-items:center;gap:10px;transition:background .18s}
.self__grid a:hover{background:var(--mint-btn)}
.self__grid svg{width:16px;height:16px;fill:none;stroke:var(--ink);stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round;flex:none}
.escalate{border:2px solid var(--ink);border-radius:22px;padding:30px;display:grid;grid-template-columns:1fr 1fr;gap:34px}
.escalate h3{font-size:19px;margin-bottom:8px}
.escalate p{font-size:14.5px}
@media (max-width:900px){.khero{padding-top:96px}.khero .container{grid-template-columns:1fr;gap:6px}.khero__text{padding-bottom:10px}.khero img{max-width:280px}.desk,.escalate{grid-template-columns:1fr}.self__grid{grid-template-columns:1fr 1fr}.desk a{grid-template-columns:auto 1fr;padding:18px}.desk a>svg{display:none}}

/* =====================================================================
   APPLY — details on the left with room to breathe, the form on the right
   ===================================================================== */
.apl{background:var(--mint-tint);padding:118px 0 80px;scroll-margin-top:0;background-image:radial-gradient(60% 70% at 0% 0%,var(--mint-light),transparent 70%)}
.apl__grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,560px);gap:72px;align-items:start}
.apl__info{position:sticky;top:104px;padding-top:10px}
.apl h1{font-size:clamp(36px,4.2vw,56px);max-width:11ch}
.apl__lead{margin-top:18px;font-size:18px;line-height:1.55;color:var(--ink-2);max-width:34ch}
.apl__facts{display:flex;gap:34px;margin:40px 0 0;padding:26px 0;border-top:1px solid rgba(11,11,11,.14);border-bottom:1px solid rgba(11,11,11,.14)}
.apl__facts li{font-size:12.5px;color:var(--muted);line-height:1.4}
.apl__facts b{display:block;font-family:var(--display);font-weight:800;font-size:21px;color:var(--ink);letter-spacing:-.02em;white-space:nowrap}
.apl__ready{margin-top:40px}
.apl__ready h2{font-size:19px;margin-bottom:8px}
.apl__ready li{display:grid;grid-template-columns:44px 1fr;gap:18px;align-items:start;padding:20px 0;border-bottom:1px solid rgba(11,11,11,.1)}
.apl__ready li:last-child{border-bottom:0}
.apl__ready svg{width:44px;height:44px;padding:11px;border-radius:50%;background:var(--mint-btn);border:2px solid var(--ink);fill:none;stroke:var(--ink);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.apl__ready b{display:block;font-family:var(--display);font-size:16.5px;letter-spacing:-.01em;margin-bottom:2px;color:var(--ink)}
.apl__ready span{font-size:14px;color:var(--muted);line-height:1.55;max-width:40ch}
.apl__card{background:#fff;border:2px solid var(--ink);border-radius:26px;box-shadow:10px 10px 0 var(--ink);overflow:hidden}
.apl__cardhead{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:20px 28px;background:var(--ink);color:#fff}
.apl__cardhead b{font-family:var(--display);font-size:18px;letter-spacing:-.01em}
.apl__cardhead span{font-size:12.5px;color:#0EF2E6;font-weight:600;white-space:nowrap}
.apl__cardhead b{white-space:nowrap}
.apl__embed{padding:26px 28px 30px;min-height:460px}
/* shown only until the partner script fills the container */
#_lg_form_:empty{min-height:400px;border-radius:14px;background:
  linear-gradient(#F1F3F4,#F1F3F4) 0 0/46% 14px no-repeat,
  linear-gradient(#F1F3F4,#F1F3F4) 0 34px/100% 52px no-repeat,
  linear-gradient(#F1F3F4,#F1F3F4) 0 118px/38% 14px no-repeat,
  linear-gradient(#F1F3F4,#F1F3F4) 0 152px/100% 52px no-repeat,
  linear-gradient(#F1F3F4,#F1F3F4) 0 236px/52% 14px no-repeat,
  linear-gradient(#F1F3F4,#F1F3F4) 0 270px/100% 52px no-repeat,
  linear-gradient(var(--mint-light),var(--mint-light)) 0 348px/100% 52px no-repeat}
#_lg_form_{max-width:100%}
#_lg_form_ iframe{max-width:100%}
.apl__noscript{font-size:14px;padding:16px;border-radius:12px;background:#FFF3EA}
.apl__legal{margin:26px 6px 0;font-size:12.5px;line-height:1.6;color:var(--muted);max-width:none}
.page--apply .footer{padding-bottom:30px}
@media (max-width:1020px){
  .apl{padding:96px 0 56px}
  .apl__grid{grid-template-columns:1fr;gap:0}
  /* phones and tablets: heading, then the form, then the details */
  .apl__info{position:static;display:contents}
  .apl__info>.crumbs{order:1}
  .apl__info>h1{order:2;max-width:none}
  .apl__info>.apl__lead{order:3;margin-bottom:26px;max-width:none}
  .apl__form{order:4}
  .apl__info>.apl__facts{order:5;margin-top:44px}
  .apl__info>.apl__ready{order:6;margin-top:30px}
  .apl__grid{display:flex;flex-direction:column}
  .apl__card{box-shadow:6px 6px 0 var(--ink);border-radius:22px}
}
@media (max-width:520px){
  .apl__cardhead{padding:16px 20px}
  .apl__embed{padding:20px 18px 24px}
  .apl__facts{gap:0;display:grid;grid-template-columns:repeat(3,1fr)}
  .apl__facts li{padding-right:8px}
  .apl__facts b{font-size:17px}
}