/* Public site (ported from approved prototype v15). */
[hidden]{display:none!important}
@font-face{font-family:"Source Serif 4";font-style:normal;font-weight:300;font-display:swap;src:url(/fonts/source-serif-4-latin-300-normal.woff2) format("woff2")}
@font-face{font-family:"Source Serif 4";font-style:normal;font-weight:400;font-display:swap;src:url(/fonts/source-serif-4-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Source Serif 4";font-style:normal;font-weight:500;font-display:swap;src:url(/fonts/source-serif-4-latin-500-normal.woff2) format("woff2")}
@font-face{font-family:"Source Serif 4";font-style:normal;font-weight:600;font-display:swap;src:url(/fonts/source-serif-4-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Source Serif 4";font-style:italic;font-weight:300;font-display:swap;src:url(/fonts/source-serif-4-latin-300-italic.woff2) format("woff2")}
@font-face{font-family:"Source Serif 4";font-style:italic;font-weight:400;font-display:swap;src:url(/fonts/source-serif-4-latin-400-italic.woff2) format("woff2")}
@font-face{font-family:"IBM Plex Sans";font-style:normal;font-weight:400;font-display:swap;src:url(/fonts/ibm-plex-sans-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"IBM Plex Sans";font-style:normal;font-weight:500;font-display:swap;src:url(/fonts/ibm-plex-sans-latin-500-normal.woff2) format("woff2")}
@font-face{font-family:"IBM Plex Sans";font-style:normal;font-weight:600;font-display:swap;src:url(/fonts/ibm-plex-sans-latin-600-normal.woff2) format("woff2")}

/* Layout: 12-column institutional grid. Film hero → facts band → two-column statement → programs → process (navy) → range → partners → about → footer. Application: footage left, one question right. Single brand look, set explicitly.
   Type scale: 72 / 40 / 24 / 17 / 13. Section rhythm: 96px between sections, 64px inside. */
:root{
  /* tokens mirror public/css/app.css (the public site loads only this file); change both together */
  --ink:#0B1420;
  --navy:#0E1B2B;
  --paper:#F5F6F8;
  --white:#FFFFFF;
  --text:#2F3A47;
  --steel:#5E6873;
  --line:#DDE1E6;
  --brand:#3882BF;
  --brand-dk:#2B6CA3;
  --brand-hi:#8CBBE4;
  --serif:"Source Serif 4","Iowan Old Style",Georgia,serif;
  --sans:"IBM Plex Sans","Helvetica Neue",Arial,sans-serif;
  --s-h1:clamp(40px,5vw,72px);
  --s-h2:clamp(30px,3vw,40px);
  --s-h3:24px;
  --gap:96px;
  color-scheme:light;
}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;font-variant-numeric:lining-nums}
a{color:inherit}
h1,h2,h3{margin:0;text-wrap:balance;font-family:var(--serif);font-weight:400;letter-spacing:-.005em}
p{margin:0}
.wrap{max-width:1200px;margin:0 auto;padding-left:max(24px, env(safe-area-inset-left,0px));padding-right:max(24px, env(safe-area-inset-right,0px))}
.label{font-family:var(--sans);font-size:12.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--steel)}
.btn{display:inline-flex;align-items:center;gap:10px;min-height:48px;padding:0 22px;border-radius:2px;font-family:var(--sans);font-size:15px;font-weight:500;text-decoration:none;cursor:pointer;border:1px solid transparent;transition:background .2s,border-color .2s,color .2s;white-space:nowrap}
.btn.primary{background:var(--brand-dk);color:var(--white)}
.btn.primary:hover{background:#215785}
.btn.outline{border-color:rgba(255,255,255,.55);color:var(--white)}
.btn.outline:hover{border-color:var(--white)}
.btn.dark{border-color:var(--ink);color:var(--ink);background:transparent}
.btn.dark:hover{background:var(--ink);color:var(--white)}
:focus-visible{outline:2px solid var(--brand);outline-offset:3px}
section{scroll-margin-top:24px}

/* nav */
.nav{position:absolute;top:0;left:0;right:0;z-index:20;padding-top:env(safe-area-inset-top,0px);border-bottom:1px solid rgba(255,255,255,.12)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:80px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--white)}
.brand img{height:28px;width:auto;display:block}
.brand span{font-size:12.5px;font-weight:500;letter-spacing:.28em;color:#C9D0D7}
.links{display:flex;gap:32px;font-size:15px;color:rgba(255,255,255,.82)}
.links a{text-decoration:none}.links a:hover{color:var(--white)}
.navr{display:flex;align-items:center;gap:20px;font-size:14px;color:rgba(255,255,255,.7)}
.navr b{color:var(--white);font-weight:500}
.navr .btn{min-height:40px;padding:0 18px;font-size:14px}

/* hero */
.hero{position:relative;height:min(86vh,820px);min-height:600px;background:var(--ink);color:var(--white);overflow:hidden}
.hero video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:0;transition:opacity 1.6s ease;transform:scale(1.05)}
.hero video.on{opacity:1;animation:drift 9s linear forwards}
@keyframes drift{from{transform:scale(1.05)}to{transform:scale(1.11) translate(-1%,-.5%)}}
.hero .shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,20,32,.78) 0%,rgba(11,20,32,.35) 55%,rgba(11,20,32,.12) 100%),linear-gradient(0deg,rgba(11,20,32,.6),rgba(11,20,32,0) 45%)}
.hero .inner{position:relative;z-index:2;height:100%;box-sizing:border-box;display:flex;flex-direction:column;justify-content:flex-end;padding-block:0 80px}
.hero .label{color:#C9D0D7}
.hero h1{font-size:var(--s-h1);line-height:1.05;font-weight:400;max-width:15ch;margin-top:18px}
.hero p{max-width:540px;font-size:19px;line-height:1.55;color:rgba(255,255,255,.84);margin-top:24px}
.hero .ctas{display:flex;flex-wrap:wrap;align-items:center;gap:16px 28px;margin-top:36px}
.direct{display:flex;flex-direction:column;gap:2px;padding-left:28px;border-left:1px solid rgba(255,255,255,.25)}
.direct .label{font-size:12px;color:#AEB8C3}
.direct .tel{font-size:19px;font-weight:500;color:var(--white);font-variant-numeric:tabular-nums;user-select:all}

/* facts band */
.facts{background:var(--white);border-bottom:1px solid var(--line)}
.facts dl{margin:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr))}
.facts dl div{padding-block:32px;padding-right:24px}
.facts dl div+div{padding-left:32px;border-left:1px solid var(--line)}
.facts dd{margin:10px 0 0;font-family:var(--serif);font-size:30px;line-height:1.15;font-variant-numeric:tabular-nums lining-nums}

/* statement */
.statement .wrap{padding-block:var(--gap);display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:32px;row-gap:24px;align-items:start}
.statement .l{grid-column:1 / span 6}
.statement .r{grid-column:8 / span 5;padding-top:34px}
.statement h2{font-size:var(--s-h2);line-height:1.2;margin-top:16px}
.statement p{color:var(--text);font-size:18px;line-height:1.65}
.statement p+p{margin-top:18px}

/* programs */
.programs .wrap{padding-block:0 var(--gap)}
.head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;padding-top:64px;border-top:1px solid var(--line);margin-bottom:40px}
.head h2{font-size:var(--s-h2);line-height:1.15;margin-top:14px}
.grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.prog{position:relative;aspect-ratio:4/5;max-width:100%;overflow:hidden;background:var(--ink);color:var(--white);text-decoration:none;display:flex;flex-direction:column;justify-content:flex-end;padding:24px;border-radius:2px}
.prog video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.6;background:#0B1420;transition:opacity .5s,transform 1.2s ease}
.prog:hover video{opacity:.8;transform:scale(1.03)}
.prog::before{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(11,20,32,.9) 8%,rgba(11,20,32,0) 62%);z-index:1}
.prog>*:not(video){position:relative;z-index:2}
.prog h3{font-size:var(--s-h3);line-height:1.2;min-height:2.4em;display:flex;align-items:flex-end}
.prog p{font-size:15px;line-height:1.5;color:rgba(255,255,255,.78);margin:10px 0 18px}
.prog .t{font-size:14px;font-weight:500;color:var(--white);border-top:1px solid rgba(255,255,255,.28);padding-top:12px;font-variant-numeric:tabular-nums}

/* process */
.process{background:var(--navy);color:var(--white)}
.process .wrap{padding-block:var(--gap)}
.process .label{color:#AEB8C3}
.process h2{font-size:var(--s-h2);line-height:1.15;margin-top:14px}
.steps{list-style:none;margin:56px 0 0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border-top:1px solid rgba(255,255,255,.2)}
.step{padding:28px 28px 0 0}
.step+.step{padding-left:28px;border-left:1px solid rgba(255,255,255,.12)}
.step .k{font-size:12.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--brand-hi)}
.step h3{font-size:22px;margin:12px 0 10px}
.step p{font-size:15.5px;line-height:1.6;color:rgba(255,255,255,.72)}

/* range */
.range-band .wrap{padding-block:var(--gap);display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:32px;row-gap:40px;align-items:center}
.range-band .l{grid-column:1 / span 5}
.range-band .r{grid-column:7 / span 6}
.range-band h2{font-size:var(--s-h2);line-height:1.15;margin:14px 0 16px}
.range-band p{color:var(--text)}
.range-band .btn{margin-top:28px}
.form-card{background:var(--white);border:1px solid var(--line);padding:36px 40px}
.form-card .row{padding-bottom:16px;border-bottom:1px solid var(--line);margin-bottom:22px}
.form-card .row:last-child{margin-bottom:0}
.form-card .row{display:block}
.form-card .voice{font-size:clamp(28px,2.6vw,36px);border-bottom:0;padding:4px 0 2px}
.form-card .qa{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin-top:8px}
.form-card .v{font-family:var(--serif);font-style:italic;font-weight:300;font-size:34px;line-height:1.25;margin-top:6px;font-variant-numeric:tabular-nums lining-nums}
.form-card .v.muted{color:#A6AEB6}

/* partners */
.partners{border-top:1px solid var(--line);background:var(--white)}
.partners .wrap{display:grid;grid-template-columns:repeat(2,minmax(0,1fr))}
.partners a{display:block;padding-block:64px;padding-right:48px;text-decoration:none}
.partners a+a{padding-left:48px;padding-right:0;border-left:1px solid var(--line)}
.partners h3{font-size:28px;margin:14px 0 12px}
.partners p{color:var(--text);max-width:46ch}
.partners .go{display:inline-block;margin-top:20px;font-size:15px;font-weight:500;color:var(--brand-dk)}
.partners a:hover .go{text-decoration:underline}

/* faq */
.faq{border-top:1px solid var(--line);background:var(--white)}
.faq .wrap{padding-block:var(--gap);display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:32px;row-gap:32px;align-items:start}
.faq .l{grid-column:1 / span 4}
.faq .r{grid-column:6 / span 7;border-top:1px solid var(--ink)}
.faq h2{font-size:var(--s-h2);margin:14px 0 16px}
.faq .l p{color:var(--text)}
.faq .mail{font-weight:500;color:var(--brand-dk);user-select:all}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:22px 0;font-family:var(--serif);font-size:21px;line-height:1.3;min-height:44px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--sans);font-size:24px;font-weight:300;color:var(--steel);flex:none}
.faq details[open] summary::after{content:"\2212"}
.faq details p{padding:0 48px 24px 0;color:var(--text);max-width:62ch}

/* about */
.about{border-top:1px solid var(--line)}
.about .wrap{padding-block:var(--gap);display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:32px;row-gap:48px;align-items:start}
.about .l{grid-column:1 / span 8}
.about .r{grid-column:9 / span 4}
.about h2{font-size:var(--s-h2);margin:14px 0 18px}
.about .l>p{color:var(--text);font-size:18px;line-height:1.65;max-width:60ch}
.creds{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));margin:36px 0 0;border-top:1px solid var(--line)}
.creds div{padding:18px 18px 18px 0;border-bottom:1px solid var(--line)}
.creds dd{margin:6px 0 0;font-size:16px}
.ask{background:var(--white);border:1px solid var(--line);padding:28px}
.ask h3{font-size:22px;margin:0 0 6px}
.ask>p{font-size:15px;color:var(--steel);margin-bottom:20px}
.ask .q{width:100%;font-family:var(--serif);font-style:italic;font-weight:300;font-size:21px;color:var(--ink);background:transparent;border:0;border-bottom:1px solid var(--ink);padding:6px 0 10px;caret-color:var(--brand);border-radius:0}
.ask .q:focus{outline:none;border-bottom-color:var(--brand)}
.ask .q::placeholder{color:#A6AEB6}
.ask .a{margin-top:20px;font-size:15px;line-height:1.6;color:var(--text);background:var(--paper);padding:16px 18px;border-left:2px solid var(--brand)}
.ask .a .label{display:block;margin-bottom:6px;font-size:12px}

/* footer */
footer{background:var(--ink);color:#AEB8C3;font-size:14px}
footer .wrap{padding-block:64px 48px;display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:32px;row-gap:40px}
footer .c1{grid-column:1 / span 4}
footer .c2{grid-column:6 / span 2}
footer .c3{grid-column:9 / span 4}
footer .lock{width:220px;max-width:100%;display:flex;flex-direction:column}
footer .lock img{width:100%;height:auto}
footer .lock .r{height:2px;background:var(--brand);margin-top:12px}
footer .lock .w{display:flex;justify-content:space-between;margin-top:9px;font-size:13.5px;font-weight:400;color:#C9D0D7}
footer .lock .e{margin-top:8px;font-size:12px;font-weight:600;letter-spacing:.2em;color:var(--brand-hi);text-align:center}
footer address{font-style:normal;margin-top:24px;line-height:1.75}
footer ul{list-style:none;margin:12px 0 0;padding:0;line-height:2.1}
footer ul a{text-decoration:none}footer ul a:hover{color:var(--white)}
footer .label{color:#8E99A5}
footer small{display:block;font-size:13px;line-height:1.7}
footer .base{grid-column:1 / -1;border-top:1px solid rgba(255,255,255,.12);padding-top:24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px}

/* ===== application ===== */
.apply{position:fixed;inset:0;z-index:50;background:var(--paper);display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr)}
.apply[hidden]{display:none}
.apply .film{position:relative;background:var(--ink);overflow:hidden}
.apply .film video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:0;transition:opacity 1.2s ease}
.apply .film video.on{opacity:.85}
.apply .film::after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(11,20,32,.8),rgba(11,20,32,.15) 55%)}
.apply .film .cap{position:absolute;left:40px;right:40px;bottom:calc(40px + env(safe-area-inset-bottom,0px));z-index:2;color:var(--white)}
.apply .film .cap img{height:30px;width:auto;margin-bottom:20px}
.apply .film .cap .label{color:#C9D0D7}
.apply .film .cap p{font-family:var(--serif);font-size:26px;line-height:1.3;margin-top:8px}
.panel{position:relative;display:flex;flex-direction:column;overflow-y:auto;padding:calc(28px + env(safe-area-inset-top,0px)) max(48px, env(safe-area-inset-right,0px)) calc(28px + env(safe-area-inset-bottom,0px)) 64px}
.ptop{display:flex;justify-content:space-between;align-items:center;gap:16px}
.ptop button{font:inherit;font-size:14px;font-weight:500;background:none;border:0;color:var(--ink);cursor:pointer;min-height:44px;padding:0 4px}
.pbar{height:2px;background:var(--line);margin-top:12px}
.pbar i{display:block;height:100%;background:var(--brand);width:0;transition:width .6s cubic-bezier(.2,.7,.1,1)}
.q-area{flex:1;display:flex;flex-direction:column;justify-content:center;padding-block:48px;max-width:680px}
.qs{display:none;animation:rise .6s cubic-bezier(.2,.7,.1,1)}
.qs.on{display:block}
@keyframes rise{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.qs h2{font-size:var(--s-h2);line-height:1.2;margin:12px 0 10px}
.qs .help{color:var(--steel);font-size:16px;margin-bottom:32px;max-width:52ch}
.field{display:block;margin-bottom:28px}
.field .label{display:block;margin-bottom:4px}
.voice{width:100%;font-family:var(--serif);font-style:italic;font-weight:300;font-size:clamp(28px,3.2vw,44px);line-height:1.3;color:var(--ink);background:transparent;border:0;border-bottom:1.5px solid var(--ink);padding:6px 0 12px;caret-color:var(--brand);border-radius:0;font-variant-numeric:tabular-nums lining-nums}
.voice:focus{outline:none;border-bottom-color:var(--brand)}
.voice::placeholder{color:#B3BAC2}
textarea.voice{font-size:clamp(22px,2.2vw,28px);line-height:1.45;resize:none;min-height:170px}
.choices{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.choice{text-align:left;font:inherit;background:var(--white);border:1px solid var(--line);border-radius:2px;padding:18px 20px;cursor:pointer;display:flex;flex-direction:column;gap:4px;min-height:44px;transition:border-color .2s,background .2s}
.choice b{font-family:var(--serif);font-weight:400;font-size:22px;color:var(--ink)}
.choice small{font-size:14px;color:var(--steel)}
.choice:hover{border-color:var(--ink)}
.choice[aria-pressed="true"]{border-color:var(--brand-dk);background:#EEF4FA;box-shadow:inset 3px 0 0 var(--brand-dk)}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:8px}
.chip{font:inherit;font-size:14.5px;font-weight:500;background:var(--white);border:1px solid var(--line);border-radius:2px;padding:0 16px;min-height:42px;cursor:pointer;color:var(--ink)}
.chip[aria-pressed="true"]{background:var(--ink);color:var(--white);border-color:var(--ink)}
.fineprint{font-size:13px;color:var(--steel);margin:-22px 0 28px}
.live{font-size:14.5px;color:var(--steel);margin-top:-14px;font-variant-numeric:tabular-nums}
.live b{color:var(--brand-dk);font-weight:600}
.actions{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-top:12px}
.actions .btn.dark{border-color:var(--line)}
.hint{font-size:13.5px;color:var(--steel)}
.hint kbd{font:inherit;font-size:12.5px;border:1px solid var(--line);padding:1px 6px;border-radius:3px;background:var(--white)}
.err{color:#A3361F;font-size:14.5px;margin-top:10px;min-height:1.4em}
.range{background:var(--white);border:1px solid var(--line);padding:28px 32px;margin-bottom:22px}
.range .tag{display:inline-block;font-size:12px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--brand-dk);border:1px solid var(--brand-dk);padding:4px 8px;margin-bottom:18px}
.range .rows{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1.3fr) minmax(0,.9fr);margin:0}
.range .rows div{padding-right:16px}
.range .rows div+div{padding-left:18px;border-left:1px solid var(--line)}
.range dd{margin:8px 0 0;white-space:nowrap;font-family:var(--serif);font-size:clamp(24px,2.2vw,32px);line-height:1.1;font-variant-numeric:tabular-nums lining-nums}
.range .note{font-size:14.5px;color:var(--brand-dk);margin-top:16px}
.range .note:empty{display:none}
.range .fine{font-size:13px;color:var(--steel);margin-top:20px;line-height:1.6}
.next{list-style:none;padding:0;margin:0 0 28px;display:flex;flex-direction:column}
.next li{display:grid;grid-template-columns:120px minmax(0,1fr);gap:16px;padding:14px 0;border-top:1px solid var(--line);font-size:16px}
.next li .label{padding-top:3px;color:var(--brand-dk)}

@media (max-width:980px){
  :root{--gap:72px}
  .links{display:none}
  .grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .steps,.facts dl{grid-template-columns:repeat(2,minmax(0,1fr))}
  .step:nth-child(3),.facts dl div:nth-child(3){border-left:0;padding-left:0}
  .facts dl div:nth-child(n+3){border-top:1px solid var(--line)}
  .faq .l,.faq .r,.statement .l,.statement .r,.range-band .l,.range-band .r,.about .l,.about .r,footer .c1,footer .c2,footer .c3{grid-column:1 / -1}
  .statement .r{padding-top:0}
  .partners .wrap{grid-template-columns:minmax(0,1fr)}
  .partners a+a{padding-left:0;border-left:0;border-top:1px solid var(--line)}
  .apply{grid-template-columns:minmax(0,1fr);grid-template-rows:170px minmax(0,1fr)}
  .apply .film .cap p{display:none}
  .panel{padding-left:max(24px, env(safe-area-inset-left,0px));padding-right:max(24px, env(safe-area-inset-right,0px));padding-top:20px}
}
@media (max-width:560px){
  .grid,.choices,.range .rows,.steps,.facts dl,.creds{grid-template-columns:minmax(0,1fr)}
  .range .rows div+div{border-left:0;padding-left:0;border-top:1px solid var(--line);padding-top:12px;margin-top:12px}
  .step+.step,.facts dl div+div{border-left:0;padding-left:0;border-top:1px solid var(--line)}
  .navr .lang{display:none}
  .form-card{padding:28px 24px}
  .nav .wrap{flex-wrap:nowrap;min-height:68px}
  .brand span{display:none}
  .brand img{height:24px}
  .navr .btn{min-height:38px;padding:0 14px;font-size:13.5px}
  .direct{padding-left:0;border-left:0}
}
@media (prefers-reduced-motion:reduce){.hero video.on{animation:none}.qs{animation:none}}
/* platform additions */
.navr .signin{color:rgba(255,255,255,.82);text-decoration:none;font-weight:500}
.navr .signin:hover{color:#fff}
footer .base a{color:inherit}

/* ===================================================================
   Additions (Oct 2026): Platform link + EN · ES toggle, page hero for sub-pages,
   county / program landing pages, platform film (.pf-*), broker form, legal.
   The approved v15 rules above are unchanged.
   =================================================================== */
.navr .lang{display:flex;align-items:center;gap:6px;font-size:13px;font-weight:500;letter-spacing:.06em;color:rgba(255,255,255,.4)}
.navr .lang a{color:rgba(255,255,255,.72);text-decoration:none;padding:6px 2px}
.navr .lang a:hover{color:var(--white)}
.navr .lang a[aria-current]{color:var(--white);box-shadow:inset 0 -1px 0 var(--brand-hi)}
.links a[aria-current]{color:var(--white)}
@media (max-width:1240px){.links{gap:24px}}
@media (max-width:1140px){.links a.opt{display:none}}

/* footer: where we lend */
footer .areas{grid-column:1 / -1;display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:32px;row-gap:24px;border-top:1px solid rgba(255,255,255,.12);padding-top:28px}
footer .areas>div:first-child{grid-column:1 / span 5}
footer .areas>div:last-child{grid-column:6 / span 7}
footer .areas ul{display:flex;flex-wrap:wrap;gap:0 22px;line-height:2}
footer .base a[lang]{color:var(--white)}

/* page hero (sub-pages) */
.phero{position:relative;display:flex;min-height:580px;background:var(--ink);color:var(--white);overflow:hidden}
.phero.small{min-height:440px}
.phero video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.62}
.phero .shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,20,32,.86) 0%,rgba(11,20,32,.5) 60%,rgba(11,20,32,.25) 100%),linear-gradient(0deg,rgba(11,20,32,.6),rgba(11,20,32,0) 50%)}
.phero.small .shade{background:radial-gradient(120% 90% at 85% 0%,rgba(56,130,191,.22),rgba(11,20,32,0) 60%)}
.phero .inner{position:relative;z-index:2;width:100%;box-sizing:border-box;display:flex;flex-direction:column;justify-content:flex-end;padding-block:150px 72px}
.phero .label{color:#C9D0D7}
.phero h1{font-size:clamp(36px,4.4vw,60px);line-height:1.08;max-width:19ch;margin-top:16px}
.phero p{max-width:600px;font-size:19px;line-height:1.55;color:rgba(255,255,255,.84);margin-top:22px}
.phero .ctas{display:flex;flex-wrap:wrap;gap:14px;margin-top:34px}
.crumbs ol{list-style:none;margin:0 0 30px;padding:0;display:flex;flex-wrap:wrap;gap:8px;font-size:13.5px;color:#AEB8C3}
.crumbs li+li::before{content:"/";margin-right:8px;color:#6B7682}
.crumbs a{text-decoration:none}.crumbs a:hover{color:var(--white);text-decoration:underline}

/* landing sections */
.lp-lend .wrap,.lp-feat .wrap{padding-block:var(--gap)}
.lp-intro{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:32px}
.lp-intro>*{grid-column:1 / span 8}
.lp-intro h2{font-size:var(--s-h2);line-height:1.2;margin-top:14px}
.lp-intro p{grid-column:1 / span 7;color:var(--text);font-size:18px;line-height:1.65;margin-top:18px}
.lp-cards{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0 32px;margin-top:48px}
.lp-cards.three{grid-template-columns:repeat(3,minmax(0,1fr))}
.lp-lend .lp-cards.three:first-child{margin-top:0}
.lp-card{border-top:1px solid var(--ink);padding:24px 0 32px}
.lp-card .label{color:var(--brand-dk);margin-bottom:10px}
.lp-card h3{font-size:22px;line-height:1.25;margin-bottom:10px}
.lp-card p{font-size:15.5px;line-height:1.6;color:var(--text)}
.lp-local{background:var(--white);border-top:1px solid var(--line)}
.lp-local .wrap,.lp-docs .wrap{padding-block:var(--gap);display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:32px;row-gap:32px;align-items:start}
.lp-local .l,.lp-docs .l{grid-column:1 / span 4}
.lp-local h2,.lp-docs h2{font-size:var(--s-h2);line-height:1.15;margin-top:14px}
.lp-docs .l p{color:var(--text);margin-top:16px}
.lp-points,.lp-check{grid-column:6 / span 7;list-style:none;margin:0;padding:0;border-top:1px solid var(--ink)}
.lp-points li{position:relative;padding:22px 0;border-bottom:1px solid var(--line)}
.lp-points h3{font-size:21px;line-height:1.3;margin-bottom:6px}
.lp-points p{color:var(--text);max-width:62ch}
.lp-points.num{counter-reset:n}
.lp-points.num li{counter-increment:n;padding-left:56px}
.lp-points.num li::before{content:counter(n,decimal-leading-zero);position:absolute;left:0;top:27px;font-size:12.5px;font-weight:600;letter-spacing:.1em;color:var(--brand-dk)}
.lp-check li{display:flex;gap:16px;align-items:flex-start;padding:15px 0;border-bottom:1px solid var(--line);color:var(--ink)}
.lp-check .ck{position:relative;flex:none;width:18px;height:18px;margin-top:3px;border:1px solid var(--brand-dk);border-radius:2px}
.lp-check .ck::after{content:"";position:absolute;left:5px;top:1px;width:5px;height:10px;border:solid var(--brand-dk);border-width:0 1.5px 1.5px 0;transform:rotate(45deg)}
.lp-docs{border-top:1px solid var(--line)}
.cta-band{background:var(--white);border-top:1px solid var(--line)}
.cta-band .wrap{padding-block:72px;display:flex;justify-content:space-between;align-items:center;gap:24px 48px;flex-wrap:wrap}
.cta-band h2{font-size:var(--s-h2);line-height:1.15}
.cta-band p{color:var(--text);margin-top:10px;max-width:60ch}
.cta-band .cta-r{display:flex;gap:14px;flex-wrap:wrap}
.lp-related{border-top:1px solid var(--line)}
.lp-related .wrap{padding-block:64px 80px}
.lp-rel{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;margin-top:24px}
.lp-rel h3{font-size:20px;margin-bottom:10px}
.lp-rel ul{list-style:none;margin:0;padding:0;line-height:2.1}
.lp-rel a{color:var(--brand-dk);text-decoration:none;font-size:15.5px}
.lp-rel a:hover{text-decoration:underline}

/* legal */
.legal .wrap{padding-block:64px var(--gap)}
.legal article{max-width:760px}
.legal .upd{font-size:14px;color:var(--steel);padding-bottom:20px;border-bottom:1px solid var(--line)}
.legal h2{font-size:24px;margin:36px 0 10px}
.legal p{color:var(--text);font-size:17px;line-height:1.7}
.legal a{color:var(--brand-dk)}

/* broker form */
.lp-form{background:var(--white);border-top:1px solid var(--line)}
.lp-form .wrap{padding-block:var(--gap)}
.sform{max-width:860px;border-top:1px solid var(--ink);padding-top:28px}
.sform h2{font-size:var(--s-h2);margin-bottom:32px}
.sgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px 32px}
.sfield .label{display:block;margin-bottom:4px}
.sinput{width:100%;box-sizing:border-box;font:inherit;font-size:17px;color:var(--ink);background:transparent;border:0;border-bottom:1.5px solid var(--ink);border-radius:0;padding:8px 0 10px}
.sinput:focus{outline:none;border-bottom-color:var(--brand)}
.scheck{display:flex;gap:12px;align-items:flex-start;max-width:68ch;font-size:15px;line-height:1.55;color:var(--text);margin:32px 0 28px}
.scheck input{width:18px;height:18px;margin-top:2px;flex:none;accent-color:var(--brand-dk)}
.sflash{max-width:760px;background:var(--paper);border-left:3px solid #1F6B45;padding:18px 22px;font-size:17px}
.shint{font-size:14px;color:var(--steel);margin-top:28px}
.shint a{color:var(--brand-dk)}

/* ===== platform band + film ===== */
.platform-band{background:var(--white);border-bottom:1px solid var(--line)}
.platform-band .wrap{padding-block:var(--gap)}
.platform-band.wide .wrap{padding-block:72px var(--gap)}
.pb-head{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:32px;row-gap:16px;align-items:end;margin-bottom:56px}
.pb-head>div:first-child{grid-column:1 / span 6}
.pb-head h2{font-size:var(--s-h2);line-height:1.15;margin-top:14px}
.pb-r{grid-column:8 / span 5}
.pb-r p{color:var(--text)}
.pb-r .go{display:inline-block;margin-top:14px;font-size:15px;font-weight:500;color:var(--brand-dk);text-decoration:none}
.pb-r .go:hover{text-decoration:underline}

.pf{--ok:#1F6B45;--ok-t:#E8F3EC;--warn:#8A5A00;--warn-t:#FBF3E2;--tint:#EEF4FA;--l2:#EBEEF1;display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);grid-template-areas:"ctl stage";column-gap:48px;row-gap:28px;align-items:center}
.pf.wide{grid-template-columns:minmax(0,1fr);grid-template-areas:"stage" "ctl"}
.pf-stage{grid-area:stage;container-type:inline-size;min-width:0}
.pf-ctl{grid-area:ctl;min-width:0}
.pf-win{background:var(--white);border:1px solid var(--line);border-radius:3px;overflow:hidden;box-shadow:0 1px 2px rgba(11,20,32,.05),0 28px 56px -28px rgba(11,20,32,.32)}
.pf-chrome{height:38px;display:flex;align-items:center;gap:16px;padding:0 14px;border-bottom:1px solid var(--line);background:#FAFBFC}
.pf-chrome .dots{display:flex;gap:6px}
.pf-chrome .dots i{width:9px;height:9px;border-radius:50%;background:#DDE1E6}
.pf-chrome .url{display:inline-flex;align-items:center;gap:6px;font-size:12px;color:var(--steel);background:var(--white);border:1px solid var(--line);border-radius:2px;padding:3px 12px 3px 9px;letter-spacing:.01em}
.pf-chrome svg,.pf-enc svg,.pf-terms svg{width:12px;height:12px;flex:none}
.pf-view{position:relative;height:520px;overflow:hidden;background:var(--paper);font-size:13.5px;line-height:1.45;color:var(--ink)}
.pf.wide .pf-view{height:560px}
.pf-scene{position:absolute;inset:0;opacity:0;visibility:hidden;transition:opacity .7s ease,visibility 0s linear .7s}
.pf-scene.on{opacity:1;visibility:visible;transition:opacity .7s ease}

/* animation primitives (class "go" is added by platform-film.js at data-at ms) */
.pf .rise{opacity:0;transform:translateY(8px);transition:opacity .55s ease,transform .55s cubic-bezier(.2,.7,.1,1)}
.pf .rise.go{opacity:1;transform:none}
.pf .slide{opacity:0;transform:translateX(18px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.7,.1,1)}
.pf .slide.go{opacity:1;transform:none}
.pf .sw>:last-child{display:none}
.pf .sw.go>:first-child{display:none}
.pf .sw.go>:last-child{display:inline-flex;animation:pfPop .45s ease}
@keyframes pfPop{from{opacity:0;transform:scale(.92)}to{opacity:1;transform:none}}
@keyframes pfHl{0%{background:var(--tint)}70%{background:var(--tint)}100%{background:transparent}}
@keyframes pfBlink{50%{opacity:0}}
@keyframes pfPress{0%{transform:none}40%{transform:scale(.97)}100%{transform:none}}
.pf .press.go{animation:pfPress .35s ease;background:#1B4A72}

.pf-lab{font-size:12px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--steel)}
.pf-chip{display:inline-flex;align-items:center;font-size:12px;font-weight:600;letter-spacing:.04em;padding:2px 8px;border-radius:2px;background:var(--l2);color:var(--text);white-space:nowrap}
.pf-chip.ok{background:var(--ok-t);color:var(--ok)}.pf-chip.warn{background:var(--warn-t);color:var(--warn)}.pf-chip.info{background:var(--tint);color:var(--brand-dk)}
.pf-blur{display:inline-block;filter:blur(6px);opacity:.7;user-select:none}
.pf-btn{display:inline-flex;align-items:center;justify-content:center;min-height:36px;padding:0 16px;background:var(--brand-dk);color:var(--white);font-size:13.5px;font-weight:500;border-radius:2px}
.pf-btn.wide{display:flex;margin-top:16px}
.pf-panel{background:var(--white);border:1px solid var(--line);border-radius:2px}
.pf-ph{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:11px 14px;border-bottom:1px solid var(--line)}
.pf-pt{font-family:var(--serif);font-size:17px}
.pf-hr{display:flex;align-items:center;gap:14px}
.pf-count{font-size:12.5px;color:var(--steel);font-variant-numeric:tabular-nums}
.pf-enc{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:600;letter-spacing:.04em;color:var(--ok)}
.pf-row{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:12px;align-items:center;padding:9px 14px;border-bottom:1px solid var(--l2)}
.pf-row:last-child{border-bottom:0}
.pf-row.hl.go{animation:pfHl 1.8s ease}
.pf-rt b{font-weight:500;display:block}
.pf-file{display:block;font-size:12px;color:var(--brand-dk)}
.pf-file.rise{transition-duration:.35s}
.pf-up{display:block;width:140px;height:3px;background:var(--l2);margin-top:6px;transition:opacity .3s}
.pf-up i{display:block;height:100%;width:0;background:var(--brand)}
.pf-up.go i{width:100%;transition:width .85s ease}
.pf-file.go+.pf-up{opacity:0;height:0;margin:0}

/* scene 1: quote */
.pf-quote{position:relative;height:100%;box-sizing:border-box;padding:24px 30px}
.pf-qhead{display:flex;align-items:center;gap:18px}
.pf-prog{flex:1;display:flex;gap:4px}
.pf-prog i{flex:1;height:3px;background:var(--line);transition:background .5s ease}
.pf-prog i.go{background:var(--brand)}
.pf-qcols{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:32px;margin-top:22px;align-items:start}
.pf-q{padding-bottom:16px;border-bottom:1px solid var(--line);margin-bottom:16px}
.pf-q:last-child{border-bottom:0}
.pf-qh{font-family:var(--serif);font-size:19px;line-height:1.25;margin-bottom:12px}
.pf-choices{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}
.pf-choice{background:var(--white);border:1px solid var(--line);border-radius:2px;padding:9px 12px;font-family:var(--serif);font-size:15px;transition:border-color .3s,background .3s,box-shadow .3s}
.pf-choice.go{border-color:var(--brand-dk);background:var(--tint);box-shadow:inset 3px 0 0 var(--brand-dk)}
.pf-chips{display:flex;flex-wrap:wrap;gap:6px}
.pf-c{font-size:13px;font-weight:500;background:var(--white);border:1px solid var(--line);border-radius:2px;padding:5px 11px;transition:background .3s,color .3s,border-color .3s}
.pf-c.go{background:var(--ink);color:var(--white);border-color:var(--ink)}
.pf-qcard{background:var(--white);border:1px solid var(--line);padding:22px 24px;box-shadow:0 18px 40px -24px rgba(11,20,32,.35)}
.pf-tag{display:inline-block;font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--brand-dk);border:1px solid var(--brand-dk);padding:3px 7px}
.pf-qct{font-family:var(--serif);font-size:21px;margin:14px 0 12px}
.pf-vals{position:relative}
.pf-vals dl{margin:0}
.pf-vals dl div{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:10px 0;border-top:1px solid var(--line)}
.pf-vals dt{font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--steel)}
.pf-vals dd{margin:0;font-family:var(--serif);font-size:24px;line-height:1.1}
.pf-terms{position:absolute;left:50%;top:50%;transform:translate(-50%,-40%);display:inline-flex;align-items:center;gap:8px;background:var(--white);border:1px solid var(--line);padding:8px 14px;font-size:13px;font-weight:600;color:var(--brand-dk);box-shadow:0 8px 20px -10px rgba(11,20,32,.3);white-space:nowrap}
.pf .pf-terms.rise.go{transform:translate(-50%,-50%)}
.pf-qcard .pf-btn{display:flex;margin-top:16px}

/* portal shell (scenes 2, 4, 5) */
.pf-app{display:grid;grid-template-columns:172px minmax(0,1fr);height:100%}
.pf-side-nav{background:var(--ink);color:#C9D0D7;padding:16px 0;font-size:13px}
.pf-logo{padding:0 16px 14px;margin-bottom:8px;border-bottom:1px solid rgba(255,255,255,.1)}
.pf-logo img{display:block;height:18px;width:auto}
.pf-logo span{display:block;margin-top:8px;font-size:12px;font-weight:600;letter-spacing:.1em;color:#8E99A5;line-height:1.3}
.pf-side-nav>div:not(.pf-logo){padding:8px 16px;border-left:2px solid transparent}
.pf-side-nav>div.on{color:var(--white);border-left-color:var(--brand);background:rgba(56,130,191,.12)}
.pf-main{min-width:0;padding:18px 22px;overflow:hidden}
.pf-top .pf-title{font-family:var(--serif);font-size:21px;line-height:1.2;margin-top:2px}
.pf-sub{font-size:13px;color:var(--steel)}
.pf-steps{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(0,1fr);border-top:3px solid var(--line);margin:14px 0 16px}
.pf-steps div{padding:7px 6px 0 0;font-size:12px;line-height:1.3;color:var(--steel);border-top:3px solid transparent;margin-top:-3px}
.pf-steps div.done{border-top-color:var(--ink);color:var(--ink)}
.pf-steps div.now{border-top-color:var(--brand);color:var(--brand-dk);font-weight:600}

/* scene 3: sign */
.pf-sign{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);height:100%}
.pf-doc{background:#E6E9ED;padding:24px 26px;overflow:hidden}
.pf-paper{background:var(--white);padding:22px 26px;box-shadow:0 1px 3px rgba(11,20,32,.12);min-height:100%;box-sizing:border-box}
.pf-ptop{display:flex;align-items:center;justify-content:space-between;padding-bottom:10px;border-bottom:2px solid var(--brand)}
.pf-ptop img{height:18px;width:auto}
.pf-ptop span{font-family:var(--serif);font-size:20px}
.pf-pfor{font-size:12.5px;color:var(--steel);margin:10px 0 12px}
.pf-kv{display:grid;grid-template-columns:auto minmax(0,1fr);gap:6px 16px;margin:0 0 14px;font-size:13px}
.pf-kv dt{color:var(--steel)}.pf-kv dd{margin:0}
.pf-lines i{display:block;height:6px;background:#EEF0F3;margin-bottom:7px;border-radius:1px}
.pf-sigs{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:22px}
.pf-sigs i{display:block;height:1px;background:var(--ink)}
.pf-sigs small{display:block;font-size:12px;color:var(--steel);margin-top:4px}
.pf-sigv{display:block;height:28px;font-family:var(--serif);font-style:italic;font-size:20px;color:#1B3F66;white-space:nowrap;clip-path:inset(0 100% 0 0);transition:clip-path 1.1s ease}
.pf-sigv.go{clip-path:inset(0 0 0 0)}
.pf-signp{background:var(--white);border-left:1px solid var(--line);padding:24px 26px}
.pf-signp .pf-pt{font-size:20px;margin-bottom:14px}
.pf-check{display:flex;gap:10px;align-items:center;font-size:13.5px;padding:10px 12px;border:1px solid var(--line)}
.pf-box{display:inline-flex;align-items:center;justify-content:center;width:16px;height:16px;border:1px solid #9AA3AD;border-radius:2px;color:transparent;transition:background .3s,border-color .3s,color .3s;flex:none}
.pf-box svg{width:12px;height:12px}
.pf-box.go{background:var(--brand-dk);border-color:var(--brand-dk);color:var(--white)}
.pf-voice{min-height:40px;margin-top:4px;border-bottom:1.5px solid var(--ink);padding:2px 0 6px;font-family:var(--serif);font-style:italic;font-weight:300;font-size:24px;line-height:1.3;white-space:nowrap;overflow:hidden}
.pf-voice .caret{display:inline-block;width:1.5px;height:22px;background:var(--brand);vertical-align:-3px;margin-left:2px;animation:pfBlink 1s steps(1) infinite}
.pf-flash{margin-top:12px;background:var(--white);border:1px solid var(--line);border-left:3px solid var(--ok);padding:8px 12px;font-size:13px}
.pf-flash b{display:block;font-weight:600;color:var(--ok)}
.pf-flash span{color:var(--text)}

/* scene 4: closing */
.pf-split{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:16px;align-items:start}
.pf-row.tick{grid-template-columns:18px minmax(0,1fr) auto}
.pf-tick{display:inline-flex;align-items:center;justify-content:center;width:18px;height:18px;border-radius:50%;border:1px solid #B8C0C8;color:transparent;transition:background .35s,border-color .35s,color .35s}
.pf-tick svg{width:12px;height:12px}
.pf-row.tick.go .pf-tick,.pf-act .pf-tick{background:var(--ok);border-color:var(--ok);color:var(--white)}
.pf-right{display:grid;gap:12px}
.pf-viewer{background:var(--white);border:1px solid var(--line)}
.pf-vh{display:flex;justify-content:space-between;align-items:center;padding:8px 12px;border-bottom:1px solid var(--line);font-size:12.5px;font-weight:500}
.pf-vh small{font-size:12px;color:var(--steel);font-weight:400}
.pf-vpage{background:#E6E9ED;padding:12px 16px}
.pf-vpage .pf-lines{background:var(--white);padding:10px 12px 4px}
.pf-vimg{height:78px;background:linear-gradient(160deg,#9FB4C8 0%,#5C7894 55%,#2E4660 100%);position:relative}
.pf-vimg::after{content:"";position:absolute;left:12%;right:48%;bottom:0;height:42%;background:rgba(255,255,255,.35)}
.pf-msgs{background:var(--white);border:1px solid var(--line);padding:10px 12px}
.pf-msgs .pf-pt{font-size:15px;margin-bottom:6px}
.pf-msg{background:var(--paper);border:1px solid var(--l2);padding:7px 10px;margin-top:8px;font-size:13px;margin-right:28px}
.pf-msg small{display:block;font-size:12px;color:var(--steel);margin-bottom:2px}
.pf-msg.me{background:var(--tint);border-color:#D6E4F1;margin-right:0;margin-left:28px}
.pf-ctc .pf-chip{font-size:12px}

/* scene 5: funded */
.pf-funded{display:grid;gap:14px}
.pf-next{display:flex;gap:18px;align-items:center;background:var(--white);border:1px solid var(--line);border-left:3px solid var(--ok);padding:18px 20px}
.pf-ring{width:48px;height:48px;flex:none;color:var(--ok)}
.pf-ring circle{stroke-dasharray:132;stroke-dashoffset:132;transition:stroke-dashoffset 1s ease}
.pf-ring path{stroke-dasharray:32;stroke-dashoffset:32;transition:stroke-dashoffset .6s ease .8s}
.pf-funded.go .pf-ring circle,.pf-funded.go .pf-ring path{stroke-dashoffset:0}
.pf-fh{font-family:var(--serif);font-size:23px;line-height:1.2;margin:2px 0 2px}
.pf-next p{color:var(--steel);font-size:13.5px}
.pf-next .pf-lab{color:var(--ok)}
.pf-act{display:flex;gap:12px;align-items:center;padding:9px 14px;border-bottom:1px solid var(--l2)}
.pf-act:last-child{border-bottom:0}

/* scene index + controls */
.pf-idx{list-style:none;margin:0;padding:0;border-top:1px solid var(--ink)}
.pf-i{position:relative;width:100%;display:grid;grid-template-columns:40px minmax(0,1fr);gap:4px;text-align:left;font:inherit;background:none;border:0;border-bottom:1px solid var(--line);padding:16px 0 18px;cursor:pointer;color:var(--steel)}
.pf-i .n{font-size:12.5px;font-weight:600;letter-spacing:.1em;padding-top:4px;font-variant-numeric:tabular-nums}
.pf-i b{display:block;font-family:var(--serif);font-weight:400;font-size:20px;line-height:1.25;color:var(--steel);transition:color .3s}
.pf-i small{display:block;font-size:14.5px;line-height:1.5;margin-top:4px;color:var(--steel)}
.pf-i:hover b,.pf-i[aria-current] b{color:var(--ink)}
.pf-i[aria-current] .n{color:var(--brand-dk)}
.pf-i .bar{position:absolute;left:0;right:0;bottom:-1px;height:2px;overflow:hidden}
.pf-i .bar i{display:block;height:100%;width:0;background:var(--brand-dk)}
.pf-i[aria-current] .bar i{width:calc(var(--p,0) * 100%)}
.pf-cap{display:none}
.pf-pp{margin-top:22px;font:inherit;font-size:14px;font-weight:500;color:var(--ink);background:var(--white);border:1px solid var(--line);border-radius:2px;min-height:40px;padding:0 16px;cursor:pointer}
.pf-pp:hover{border-color:var(--ink)}
.pf.static .pf-pp{display:none}
.pf.static .pf-i .bar{display:none}
.pf.snap .pf-scene.on *,.pf.static .pf-stage *{transition:none!important;animation:none!important}
.pf.wide .pf-ctl{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:24px;align-items:start}
.pf.wide .pf-idx{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:0 24px;border-top:0}
.pf.wide .pf-i{grid-template-columns:minmax(0,1fr);border-bottom:0;border-top:1px solid var(--line);padding:16px 0 0}
.pf.wide .pf-i .bar{top:-1px;bottom:auto}
.pf.wide .pf-i b{font-size:18px}
.pf.wide .pf-i small{font-size:14px}
.pf.wide .pf-pp{margin-top:16px}

/* narrow stage: simplified layouts (container query on the stage width) */
@container (max-width:620px){
  .pf-view{height:540px;font-size:13px}
  .pf-app{grid-template-columns:minmax(0,1fr)}
  .pf-side-nav{display:none}
  .pf-main{padding:16px}
  .pf-steps div{white-space:nowrap}
  .pf-steps div:not(.now){font-size:0}
  .pf-quote{padding:18px 16px}
  .pf-qcols{grid-template-columns:minmax(0,1fr);margin-top:16px}
  .pf-qcard{position:absolute;left:16px;right:16px;bottom:16px;padding:18px}
  .pf-qh{font-size:17px}
  .pf-sign{grid-template-columns:minmax(0,1fr);grid-template-rows:auto minmax(0,1fr)}
  .pf-doc{padding:14px 16px}
  .pf-paper{padding:14px 16px}
  .pf-kv,.pf-lines,.pf-pfor{display:none}
  .pf-sigs{margin-top:10px}
  .pf-signp{border-left:0;border-top:1px solid var(--line);padding:16px}
  .pf-signp>.pf-pt{display:none}
  .pf-split{grid-template-columns:minmax(0,1fr)}
  .pf-viewer{display:none}
  .pf-msg{margin-right:16px}.pf-msg.me{margin-left:16px}
  .pf-up{width:96px}
  .pf-enc span,.pf-count{display:none}
  .pf-row{padding:8px 12px}
  .pf-top .pf-sub{display:none}
}

@media (max-width:980px){
  .pb-head>div:first-child,.pb-r{grid-column:1 / -1}
  .pf{grid-template-columns:minmax(0,1fr);grid-template-areas:"stage" "ctl"}
  .pf-idx{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:0 8px;border-top:0}
  .pf-i,.pf.wide .pf-i{grid-template-columns:minmax(0,1fr);border-bottom:0;border-top:2px solid var(--line);padding:10px 0 0;min-height:44px}
  .pf-i .bar,.pf.wide .pf-i .bar{top:-2px;bottom:auto}
  .pf-i .tx{display:none}
  .pf-cap{display:block;margin-top:14px;min-height:76px}
  .pf-cap b{display:block;font-family:var(--serif);font-weight:400;font-size:22px;line-height:1.25}
  .pf-cap small{display:block;font-size:15px;color:var(--steel);margin-top:4px}
  .pf.wide .pf-ctl{display:block}
  .pf-pp,.pf.wide .pf-pp{margin-top:8px}
  .lp-cards,.lp-cards.three{grid-template-columns:repeat(2,minmax(0,1fr))}
  .lp-intro>*,.lp-intro p,.lp-local .l,.lp-docs .l,.lp-points,.lp-check{grid-column:1 / -1}
  footer .areas>div:first-child,footer .areas>div:last-child{grid-column:1 / -1}
  .lp-rel{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
}
@media (max-width:560px){
  .phero{min-height:520px}
  .phero.small{min-height:400px}
  .phero .inner{padding-block:120px 48px}
  .phero p{font-size:17px}
  .lp-cards,.lp-cards.three,.sgrid,.lp-rel{grid-template-columns:minmax(0,1fr)}
  .cta-band .wrap{padding-block:56px}
  .crumbs ol{margin-bottom:20px}
}
@media (prefers-reduced-motion:reduce){.phero video{display:none}.pf *{transition:none!important;animation:none!important}}
/* film polish */
.pf-fine{font-size:12px;color:var(--steel);margin-top:12px;line-height:1.5}
.pf-terms{left:auto;right:0;top:50%;transform:translateY(-35%)}
.pf .pf-terms.rise.go{transform:translateY(-50%)}
.pf-row.doc{grid-template-columns:minmax(0,1fr) auto auto;gap:14px}
.pf-row.doc b{font-weight:500;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.pf-fw{position:relative;display:flex;justify-content:flex-end;min-width:150px}
.pf-row.doc .pf-up{position:absolute;right:0;top:50%;width:120px;margin:-1px 0 0}
.pf-row.doc .pf-file{text-align:right}
.pf-file.go+.pf-up{opacity:0;height:3px}
.pf-row.doc{padding-block:11px}
.pf-vimg{height:58px}
.pf-vpage{padding:10px 14px}
.pf-msgs{padding:8px 12px 10px}
.pf-msg{margin-top:6px;padding:6px 10px}
.pf-cap{min-height:84px}
.pf-sigv{font-size:19px}
@container (max-width:620px){
  .pf-fw{display:none}
  .pf-row.doc{grid-template-columns:minmax(0,1fr) auto}
  .pf-sigv{font-size:16px}
  .pf-tag{letter-spacing:.04em}
  .pf-fine{display:none}
  .pf-msgs .pf-pt{display:none}
  .pf-panel .pf-row.tick{padding-block:7px}
}
.pf-split{grid-template-columns:minmax(0,1.25fr) minmax(0,1fr)}
.pf-vimg{height:52px}
.pf-msg{font-size:12.5px;line-height:1.4}
.pf-msgs .pf-pt{font-size:14px;margin-bottom:2px}
@container (max-width:620px){.pf-msgs:has(.pf-msg.me.go) .pf-msg:not(.me){display:none}}
.pf-view{height:540px}
.pf-vh span{white-space:nowrap;overflow:hidden;text-overflow:ellipsis;min-width:0}
.pf-vh small{white-space:nowrap;margin-left:8px}
.pf.wide .pf-stage{max-width:1080px;margin-inline:auto;width:100%}
.pf.wide .pf-ctl{max-width:1080px;margin-inline:auto;width:100%}
.lp-lend .lp-intro h2{font-size:clamp(26px,2.5vw,34px);line-height:1.3}
@media (max-width:560px){.navr .lang{display:none}.navr .signin{white-space:nowrap}.lp-lend .lp-intro h2{font-size:24px}}

/* ===================================================================
   Home, quote-first (Oct 2026): hero with quick start + animated story,
   trust bar, program tiles that start a quote, brokers band, end CTA,
   sticky quote bar on phones. Story frames: .st-desk (computers, tablets)
   and .st-phone (phones); site.js runs only the visible one.
   =================================================================== */
.hero.hq{height:auto;min-height:0}
.hq .shade{background:linear-gradient(90deg,rgba(11,20,32,.92) 0%,rgba(11,20,32,.74) 48%,rgba(11,20,32,.6) 100%),linear-gradient(0deg,rgba(11,20,32,.5),rgba(11,20,32,0) 40%)}
.hq-in{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:56px;align-items:center;padding-top:calc(136px + env(safe-area-inset-top,0px));padding-bottom:72px}
.hq h1{font-size:clamp(38px,4.3vw,60px);line-height:1.06;max-width:16ch;margin-top:18px}
.hq-l>p{margin-top:20px;max-width:540px}
.qstart{margin-top:32px;background:var(--white);color:var(--ink);border-radius:14px;padding:22px;max-width:580px;box-shadow:0 24px 60px rgba(0,0,0,.35)}
.qs-h{display:block;font-size:16px;font-weight:600;margin-bottom:12px}
.qs-types{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:8px}
.qs-types button{min-height:52px;padding:6px 8px;border:0;border-radius:10px;font:inherit;font-size:14px;font-weight:500;line-height:1.25;cursor:pointer;background:var(--paper);color:var(--ink);box-shadow:inset 0 0 0 1px var(--line);transition:background .15s,color .15s}
.qs-types button:hover{box-shadow:inset 0 0 0 1px var(--ink)}
.qs-types button[aria-pressed="true"]{background:var(--brand-dk);color:var(--white);box-shadow:none}
.qs-go{display:flex;flex-wrap:wrap;align-items:center;gap:12px 16px;margin-top:16px}
.qs-go .btn{min-height:50px;border-radius:10px;font-size:16px;font-weight:600}
.qs-go svg{width:16px;height:16px}
.qs-go span{font-size:13px;color:var(--steel)}
.hq-r{display:flex;justify-content:center}

.st{display:flex;flex-direction:column;align-items:center;gap:14px;font-family:-apple-system,BlinkMacSystemFont,"SF Pro Text",var(--sans);color:var(--ink);-webkit-font-smoothing:antialiased;line-height:1.35}
.st-phone{display:none}
.hero .st .st-capt{margin:0;max-width:none;min-height:1.4em;font-size:15px;font-weight:600;color:var(--white)}
.st-dots{display:flex}
.st-dot{width:14px;height:24px;padding:0;border:0;background:none;cursor:pointer;transition:width .3s}
.st-dot::before{content:"";display:block;margin:auto;width:6px;height:6px;border-radius:3px;background:rgba(255,255,255,.35);transition:width .3s,background .3s}
.st-dot[aria-current="true"]{width:30px}
.st-dot[aria-current="true"]::before{width:22px;background:var(--white)}
.st-dot:focus-visible{outline:2px solid var(--brand-hi);outline-offset:2px;border-radius:4px}

/* computer frame */
.st-win{width:600px;max-width:100%;height:430px;border-radius:14px;overflow:hidden;background:#F2F3F6;box-shadow:0 34px 80px rgba(0,0,0,.45),0 0 0 1px rgba(255,255,255,.12);display:flex;flex-direction:column}
.st-chrome{height:38px;flex:none;display:flex;align-items:center;gap:8px;padding:0 14px;background:#E7EAEE;border-bottom:1px solid rgba(11,20,32,.08)}
.st-chrome i{width:11px;height:11px;border-radius:50%;background:#EE6A5F}
.st-chrome i:nth-child(2){background:#F5BD4F}.st-chrome i:nth-child(3){background:#61C454}
.st-url{margin:0 auto;transform:translateX(-20px);width:240px;max-width:50%;height:24px;border-radius:7px;background:var(--white);display:flex;align-items:center;justify-content:center;gap:6px;font-size:12px;color:#4A5562}
.st-url svg{width:11px;height:11px}
.st-body{flex:1;display:flex;min-height:0}
.st-side{width:146px;flex:none;padding:14px 10px;display:flex;flex-direction:column;gap:3px;background:#ECEEF2;border-right:1px solid rgba(11,20,32,.07)}
.st-brand{display:flex;align-items:center;gap:8px;font-size:10px;font-weight:700;letter-spacing:.14em;color:#4A5562;white-space:nowrap}
.st-desk .st-brand{padding:0 6px 12px}
.st-logo{flex:none;width:24px;height:24px;border-radius:7px;background:var(--navy);display:grid;place-items:center}
.st-logo img{width:17px;height:auto}
.st-nav{display:flex;align-items:center;gap:8px;height:28px;padding:0 8px;border-radius:7px;font-size:12px;color:var(--text);white-space:nowrap;overflow:hidden}
.st-nav i{flex:none;width:6px;height:6px;border-radius:50%;background:#C6CCD3}
.st-nav.cur{background:rgba(56,130,191,.15);color:#1F5583;font-weight:600}
.st-nav.cur i{background:var(--brand)}.st-nav.ok i{background:#1F6B45}
.st-main{position:relative;flex:1;min-width:0}
.st-desk .st-main{padding:18px 22px}
.st-top{display:flex;align-items:center;gap:10px}
.st-step{font-size:11px;font-weight:600;color:var(--steel);white-space:nowrap}
.st-prog{display:block;flex:1;height:4px;border-radius:2px;background:#E1E5EA}
.st-prog i{display:block;width:0;height:4px;border-radius:2px;background:var(--brand);transition:width .6s ease}

/* phone frame */
.st-dev{width:300px;height:620px;box-sizing:border-box;padding:10px;border-radius:46px;background:#0B0E13;box-shadow:0 30px 70px rgba(0,0,0,.45),inset 0 0 0 1.5px rgba(255,255,255,.12)}
.st-screen{position:relative;height:100%;border-radius:37px;overflow:hidden;background:#F2F3F6}
.st-island{position:absolute;top:10px;left:50%;z-index:2;width:92px;height:26px;margin-left:-46px;border-radius:14px;background:#0B0E13}
.st-phone .st-top{position:absolute;top:46px;left:18px;right:18px;justify-content:space-between}
.st-phone .st-brand{font-size:11px}
.st-phone .st-logo{width:28px;height:28px;border-radius:8px}.st-phone .st-logo img{width:20px}
.st-phone .st-prog{position:absolute;top:84px;left:18px;right:18px}
.st-phone .st-main{position:absolute;inset:0}

/* scenes */
.st-sc{display:none;position:absolute;flex-direction:column;gap:12px}
.st-sc.on{display:flex;animation:stUp .5s cubic-bezier(.2,.7,.2,1) both}
.st-desk .st-sc{inset:46px 22px 18px}
.st-phone .st-sc{inset:104px 18px 18px}
.st-h{font-family:inherit;font-size:22px;font-weight:700;letter-spacing:-.02em;line-height:1.2}
.st-kick{font-size:11px;font-weight:600;letter-spacing:.06em;color:var(--steel)}
.st-note{margin-top:auto;display:flex;align-items:center;justify-content:center;gap:6px;font-size:12px;color:var(--steel)}
.st-desk .st-note{justify-content:flex-start}
.st-note svg{width:13px;height:13px}
.st-lockn{margin-top:0}
.st-types{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px;margin-top:6px}
.st-desk .st-types{grid-template-columns:repeat(4,minmax(0,1fr));gap:10px}
.st-type{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px;height:64px;padding:0 6px;border-radius:14px;background:var(--white);box-shadow:0 0 0 1px rgba(11,20,32,.12);font-size:13px;font-weight:600;line-height:1.2;text-align:center}
.st-desk .st-type{height:96px;font-size:12px}
.st-type svg{width:22px;height:22px}
.st-sc.on .st-sel,.st-sel{background:var(--brand);color:var(--white);box-shadow:0 0 0 1px var(--brand)}
.st-sc.on .st-sel{animation:stSel .3s ease 1.2s both}
.st-cursor{position:absolute;left:0;top:0;pointer-events:none;transform:translate(48px,92px)}
.st-cursor svg{width:20px;height:20px;fill:var(--ink);stroke:var(--white);stroke-width:1.5}
.st-sc.on .st-cursor{animation:stCur 1.2s cubic-bezier(.3,.7,.2,1) both}
.st-fields{display:grid;grid-template-columns:minmax(0,1fr);margin-top:6px;border-radius:14px;overflow:hidden;background:var(--white)}
.st-field{display:flex;flex-direction:column;gap:2px;padding:11px 14px}
.st-field+.st-field{border-top:1px solid rgba(11,20,32,.07)}
.st-desk .st-fields{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;background:none;overflow:visible}
.st-desk .st-field{border-radius:12px;background:var(--white);box-shadow:0 0 0 1px rgba(11,20,32,.08)}
.st-desk .st-field+.st-field{border-top:0}
.st-field>span{font-size:11px;font-weight:600;color:var(--steel)}
.st-field b{font-size:18px;font-weight:600;font-variant-numeric:tabular-nums}
.st-type1,.st-type2{display:inline-block;vertical-align:bottom;overflow:hidden;white-space:nowrap}
.st-sc.on .st-type1{animation:stType 1.1s steps(11) .5s both}
.st-sc.on .st-type2{animation:stType 1.1s steps(11) 1.4s both}
.st-btn{margin-top:auto;height:46px;border-radius:13px;background:var(--brand);color:var(--white);display:grid;place-items:center;font-size:15px;font-weight:600}
.st-desk .st-btn{align-self:flex-end;height:42px;padding:0 22px;border-radius:11px;font-size:14px}
.st-desk .st-split{flex-direction:row;gap:18px}
.st-desk .st-split>*{flex:1;min-width:0}
.st-phone .st-split .st-col{order:-1}
.st-col{display:flex;flex-direction:column;gap:12px}
.st-desk .st-col .st-btn{align-self:flex-start}
.st-ok{width:52px;height:52px;border-radius:50%;background:#E8F3EC;color:#1F6B45;display:grid;place-items:center}
.st-ok svg{width:26px;height:26px}
.st-card{border-radius:14px;overflow:hidden;background:var(--white);box-shadow:0 1px 2px rgba(11,20,32,.06),0 8px 24px rgba(11,20,32,.06)}
.st-desk .st-split .st-card{align-self:flex-start}
.st-row{display:flex;justify-content:space-between;gap:10px;padding:11px 14px;font-size:13px}
.st-row+.st-row{border-top:1px solid rgba(11,20,32,.07)}
.st-row span{color:var(--steel)}.st-row b{font-weight:600;text-align:right}
.st-green{color:#1F6B45}
.st-sub{font-size:12px;line-height:1.45;color:var(--steel)}
.st-drop{height:50px;display:flex;align-items:center;justify-content:center;gap:8px;border-radius:14px;border:1.5px dashed rgba(11,20,32,.18);background:#FAFBFC;font-size:13px;color:var(--steel)}
.st-drop svg{width:16px;height:16px}
.st-doc{display:grid;grid-template-columns:minmax(0,1fr) auto;grid-template-areas:"n s" "b b";gap:7px 10px;align-items:center;padding:12px 14px;font-size:13px;font-weight:500}
.st-doc+.st-doc{border-top:1px solid rgba(11,20,32,.07)}
.st-desk .st-doc{grid-template-columns:150px minmax(0,1fr) 52px;grid-template-areas:"n b s";padding:11px 14px}
.st-dn{grid-area:n}.st-ds{grid-area:s;color:var(--steel)}.st-ds.ok{color:#1F6B45;font-weight:600}
.st-bar{grid-area:b;display:block;height:4px;border-radius:2px;background:#E1E5EA;overflow:hidden}
.st-bar i{display:block;height:4px;background:#1F6B45}
.st-bar i.st-fill2{background:var(--brand)}
.st-sc.on .st-fill{animation:stFill 1.4s ease .2s both}
.st-sc.on .st-fill2{animation:stFill 1.4s ease .9s both}
.st-paper{display:flex;flex-direction:column;gap:8px;padding:14px;border-radius:12px;background:var(--white);box-shadow:0 1px 2px rgba(11,20,32,.06),0 8px 24px rgba(11,20,32,.06)}
.st-ts{font-family:var(--serif);font-size:15px;font-weight:500}
.st-ln{display:block;height:7px;border-radius:4px;background:#E9ECEF}
.st-sig{margin-top:12px;font-family:var(--serif);font-style:italic;font-size:28px;line-height:1.1;color:#1B3F66}
.st-sc.on .st-sig{animation:stSign 1.2s ease .5s both}
.st-rule{height:1px;background:var(--ink);opacity:.35}
.st-cap{font-size:11px;color:var(--steel)}
.st-msg{padding:10px 12px;border-radius:12px;background:#EEF4FA;color:#1F5583;font-size:12px;font-weight:600;line-height:1.4}
.st-center{align-items:center;justify-content:center;text-align:center}
.st-center .st-sub{max-width:280px;font-size:13px}
.st-done{width:80px;height:80px;border-radius:50%;background:#1F6B45;color:var(--white);display:grid;place-items:center}
.st-done svg{width:38px;height:38px}
.st-sc.on .st-pop{animation:stPop .55s cubic-bezier(.2,.7,.2,1) .25s both}
.st-sc.on .st-late{animation:stFade .3s ease 1.7s both}
.st-sc.on .st-late2{animation:stFade .3s ease 2.2s both}
@keyframes stUp{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}
@keyframes stSel{from{background:var(--white);color:var(--ink);box-shadow:0 0 0 1px rgba(11,20,32,.12)}}
@keyframes stType{from{max-width:0}to{max-width:200px}}
@keyframes stFill{from{width:0}to{width:100%}}
@keyframes stPop{0%{transform:scale(.4);opacity:0}70%{transform:scale(1.08);opacity:1}100%{transform:scale(1);opacity:1}}
@keyframes stSign{from{clip-path:inset(0 100% 0 0)}to{clip-path:inset(0 0 0 0)}}
@keyframes stFade{from{opacity:0}to{opacity:1}}
@keyframes stCur{from{transform:translate(300px,230px)}60%,to{transform:translate(48px,92px)}}

/* sections */
.trust{background:var(--white);border-bottom:1px solid var(--line)}
.trust .wrap{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;padding-block:28px}
.trust .wrap>div{display:flex;align-items:flex-start;gap:14px}
.trust svg{flex:none;width:22px;height:22px;margin-top:2px;color:var(--brand-dk)}
.trust span{font-size:14.5px;line-height:1.45;color:var(--steel)}
.trust b{display:block;font-size:16px;font-weight:600;color:var(--ink)}
.programs .head{border-top:0}
.head .sub{margin:0;max-width:42ch;color:var(--steel)}
.prog .go{margin-top:12px;font-size:14px;font-weight:600;color:var(--brand-hi)}
.prog .go::after{content:" \2192"}
.bband{background:var(--white);border-top:1px solid var(--line)}
.bband .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px 48px;padding-block:64px}
.bband h2{max-width:28ch;margin:12px 0 10px;font-size:clamp(24px,2.4vw,30px);line-height:1.25}
.bband p{max-width:56ch;margin:0;color:var(--text)}
.bb-r{display:flex;flex-wrap:wrap;align-items:center;gap:16px 28px}
.bb-r .inv{font-size:15px;font-weight:500;color:var(--brand-dk)}
.endcta{background:var(--brand-dk);color:var(--white)}
.endcta .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px;padding-block:56px}
.endcta h2{max-width:24ch;margin:0;font-size:clamp(26px,2.6vw,34px);line-height:1.2}
.btn.light{background:var(--white);color:var(--brand-dk);font-weight:600}
.btn.light:hover{background:#EEF4FA}
.stickycta{display:none}

@media (max-width:1140px){
  .hq-in{grid-template-columns:minmax(0,1fr);gap:48px}
  .hq-r{justify-content:flex-start}
}
@media (max-width:980px){
  .trust .wrap{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:700px){
  .st-desk{display:none}.st-phone{display:flex}
  .hq-r{justify-content:center}
  .hq-in{padding-top:calc(108px + env(safe-area-inset-top,0px));padding-bottom:48px}
  .qstart{padding:18px}
  .qs-types{grid-template-columns:repeat(2,minmax(0,1fr))}
  .stickycta:not([hidden]){display:flex;position:fixed;left:16px;right:16px;bottom:calc(14px + env(safe-area-inset-bottom,0px));z-index:40;min-height:52px;align-items:center;justify-content:center;border-radius:12px;background:var(--brand-dk);color:var(--white);font-size:16px;font-weight:600;text-decoration:none;box-shadow:0 12px 30px rgba(11,20,32,.35)}
  body:not(.sub) footer{padding-bottom:84px}
  .endcta .btn{width:100%;justify-content:center}
}
@media (max-width:480px){
  .trust .wrap{grid-template-columns:minmax(0,1fr);gap:18px}
}
@media (max-width:360px){
  .st-dev{transform:scale(.9);transform-origin:top center;margin-bottom:-62px}
}
@media (prefers-reduced-motion:reduce){.st *{animation:none!important;transition:none!important}}
@media (min-width:981px){.hq~.programs .prog{aspect-ratio:3/4}}

/* hero: one button (Oct 23) and "Is this loan for you?" */
.hq-go{display:flex;flex-wrap:wrap;align-items:center;gap:14px 20px;margin-top:32px}
.hq-go .btn{min-height:54px;padding:0 26px;border-radius:10px;font-size:17px;font-weight:600}
.hq-go svg{width:17px;height:17px}
.hq-go span{font-size:14px;color:rgba(255,255,255,.72)}
.fit{background:var(--white)}
.fit .wrap{padding-block:var(--gap) 72px}
.fit h2{font-size:var(--s-h2);line-height:1.15;margin-top:14px}
.fit ul{list-style:none;margin:40px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid var(--ink)}
.fit li{display:flex;flex-direction:column;gap:8px;padding:24px 28px 0 0}
.fit li+li{padding-left:28px;border-left:1px solid var(--line)}
.fit b{font-family:var(--serif);font-size:22px;font-weight:400;color:var(--ink)}
.fit span{font-size:15.5px;line-height:1.6;color:var(--text)}
@media (max-width:980px){.fit ul{grid-template-columns:minmax(0,1fr)}.fit li,.fit li+li{padding:20px 0;border-left:0}.fit li+li{border-top:1px solid var(--line)}}
@media (max-width:700px){.trust .wrap{grid-template-columns:minmax(0,1fr);gap:18px}.hq-go .btn{width:100%;justify-content:center}}
/* quote flow: optional fields and the experience question (Oct 23) */
.opt-field{margin-top:28px;margin-bottom:0}
.voice.small{font-size:clamp(22px,2.2vw,30px)}
.opt-field .fineprint{display:block;margin-top:8px}
.exp-q{display:block;margin-top:28px}
.qs[data-s="4"] .choices{grid-template-columns:repeat(4,minmax(0,1fr));gap:8px}
.qs[data-s="4"] .choice{padding:12px 14px}
.qs[data-s="4"] .choice b{font-size:18px}
@media (max-width:760px){.qs[data-s="4"] .choices{grid-template-columns:repeat(2,minmax(0,1fr))}}
.qs[data-s="4"] #exp{margin-bottom:8px}

/* Mobile menu (public site): a disclosure, no script needed */
.mnav{display:none;position:static}
.mnav summary{list-style:none;display:flex;align-items:center;justify-content:center;width:44px;height:44px;margin-right:-8px;color:#fff;cursor:pointer;border-radius:2px}
.mnav summary::-webkit-details-marker{display:none}
.mnav summary:focus-visible{outline:2px solid var(--brand-hi);outline-offset:2px}
.mnav nav{position:absolute;left:0;right:0;top:100%;z-index:30;display:flex;flex-direction:column;padding:8px 24px 20px;background:#0B1420;border-top:1px solid rgba(255,255,255,.12);box-shadow:0 18px 40px rgba(0,0,0,.35)}
.mnav nav a{display:block;padding:14px 0;font-size:17px;color:rgba(255,255,255,.88);text-decoration:none;border-bottom:1px solid rgba(255,255,255,.08)}
.mnav nav a:hover{color:#fff}
.mnav-lang{padding-top:14px}.mnav-lang .lang{display:flex!important}
@media (max-width:980px){.mnav{display:block}.nav{position:absolute}}
@media (max-width:560px){.navr .signin{display:none}}