:root{
  --ink:#0f1f33; --ink-2:#34475e; --muted:#5d6f84;
  --bg:#f6f8fb; --card:#fff; --line:#dfe5ee;
  --brand:#1747a6; --brand-dark:#0e2f73; --brand-soft:#e7eefb;
  --accent:#12a37a; --accent-dark:#0c7d5d;
  --radius:12px; --shadow:0 12px 32px rgba(15,31,51,.09);
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --display:"Manrope","Inter",system-ui,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 var(--sans);-webkit-font-smoothing:antialiased}
a{color:var(--brand)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,label:focus-within,summary:focus-visible{outline:3px solid #f2a516;outline-offset:2px}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;background:#fff;padding:8px 12px;z-index:20}
header.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
header.top .wrap{display:flex;align-items:center;gap:24px;height:68px}
.logo{display:flex;align-items:center;gap:10px;font:800 20px/1 var(--display);color:var(--ink);text-decoration:none;margin-right:auto}
.logo b{color:var(--brand)}
nav.main{display:flex;gap:22px}
nav.main a{color:var(--ink-2);text-decoration:none;font-weight:600;font-size:15px}
nav.main a:hover,nav.main a[aria-current]{color:var(--brand)}
.cta{background:var(--accent);color:#fff;text-decoration:none;font-weight:700;font-size:15px;padding:11px 18px;border-radius:8px;white-space:nowrap}
.cta:hover{background:var(--accent-dark)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font:600 14px var(--sans);color:var(--ink)}
h1,h2,h3{font-family:var(--display);font-weight:800;line-height:1.15;letter-spacing:-.015em;margin:0 0 .5em}
h1{font-size:clamp(32px,4.8vw,52px)}
h2{font-size:clamp(26px,3.2vw,36px)}
h3{font-size:20px}
p{margin:0 0 1em}
.eyebrow{display:inline-block;font:700 13px/1 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--brand);margin-bottom:14px}
.hero{background:linear-gradient(180deg,#fff 0%,var(--bg) 100%);padding:56px 0 64px}
.hero .grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:start}
.lede{font-size:19px;color:var(--ink-2)}
.ticks{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:10px}
.ticks li{padding-left:30px;position:relative}
.ticks li::before{content:"";position:absolute;left:0;top:5px;width:20px;height:20px;border-radius:50%;background:var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L19 7'/%3E%3C/svg%3E") center/12px no-repeat}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.form-card{box-shadow:var(--shadow);border-top:4px solid var(--brand)}
.form-card h2{font-size:24px;margin-bottom:4px}
.form-card .sub{color:var(--muted);font-size:15px;margin-bottom:16px}
.progress{font:700 12px/1 var(--sans);color:var(--brand);letter-spacing:.08em;text-transform:uppercase;margin-bottom:12px}
fieldset{border:0;margin:0;padding:0}
legend{font-weight:700;margin-bottom:10px}
.options{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.options label{display:flex;gap:10px;align-items:center;border:1.5px solid var(--line);border-radius:10px;padding:12px;cursor:pointer;font-size:15px;background:#fff}
.options label:hover{border-color:var(--brand)}
.options label:has(input:checked){border-color:var(--brand);background:var(--brand-soft)}
.options input{accent-color:var(--brand);width:18px;height:18px;flex:none}
.field{display:grid;gap:6px;margin-bottom:14px}
.field label{font-weight:600;font-size:15px}
.field input,.field select{font:inherit;font-size:16px;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);width:100%}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;font:700 17px/1 var(--sans);border:0;border-radius:10px;padding:16px 22px;cursor:pointer;text-decoration:none}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-dark)}
.btn-ghost{background:none;color:var(--muted)}
.btn-row{display:flex;gap:10px;margin-top:6px}
.btn-row .btn-primary{flex:1}
.consent{display:flex;gap:10px;font-size:12.5px;line-height:1.45;color:var(--muted);margin:4px 0 14px}
.consent input{flex:none;margin-top:3px;width:18px;height:18px;accent-color:var(--brand)}
.status{color:#b42318;font-size:14px;margin-top:10px;min-height:1em}
.fine{font-size:12.5px;color:var(--muted);text-align:center;margin:12px 0 0}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
section{padding:72px 0}
section.white{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.head{max-width:720px;margin:0 auto 36px;text-align:center}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.loan-card{display:block;text-decoration:none;color:inherit;transition:border-color .15s,transform .15s}
.loan-card:hover{border-color:var(--brand);transform:translateY(-2px)}
.loan-card .more{color:var(--brand);font-weight:700;font-size:15px}
.steps{counter-reset:s}
.steps .card{position:relative;padding-top:58px}
.steps .card::before{counter-increment:s;content:counter(s);position:absolute;left:26px;top:20px;width:30px;height:30px;border-radius:8px;background:var(--brand);color:#fff;font:800 15px/30px var(--sans);text-align:center}
details{border-bottom:1px solid var(--line);padding:16px 0}
details summary{font-weight:700;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:12px}
details summary::after{content:"+";color:var(--brand);font-size:22px;line-height:1}
details[open] summary::after{content:"–"}
details p{margin:10px 0 0;color:var(--ink-2)}
.narrow{max-width:780px;margin:0 auto}
.band{background:var(--brand-dark);color:#fff;border-radius:18px;padding:44px;display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.band h2{color:#fff;margin:0 0 6px}
.band p{color:#c9d6f2;margin:0}
.crumbs{font-size:14px;color:var(--muted);margin-bottom:12px}
.crumbs a{color:var(--muted)}
.article{padding:48px 0 72px}
.article .layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;align-items:start}
.article h1{font-size:clamp(30px,4vw,44px)}
.article h2{font-size:26px;margin-top:36px}
.article h3{margin-top:24px}
.article ul,.article ol{padding-left:22px}
.article li{margin-bottom:6px}
.side{position:sticky;top:90px}
.side .card{border-top:4px solid var(--accent)}
.side h3{font-size:19px}
.table{width:100%;border-collapse:collapse;margin:16px 0 24px;font-size:15px;background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden}
.table th,.table td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.table th{background:var(--brand-soft);font-weight:700}
.note{background:#fff8e6;border:1px solid #f3dfa6;border-radius:10px;padding:14px 16px;font-size:15px;margin:20px 0}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.calc .result{background:var(--brand-dark);color:#fff;border-radius:12px;padding:24px}
.calc .big{font:800 44px/1.1 var(--display);margin:6px 0 16px}
.calc dl{display:grid;grid-template-columns:1fr auto;gap:8px 16px;margin:0;font-size:15px}
.calc dt{color:#c9d6f2}
.calc dd{margin:0;text-align:right;font-weight:700}
footer{background:#0b1830;color:#b8c4d6;padding:48px 0 32px;font-size:14px}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px;margin-bottom:28px}
footer h4{color:#fff;font:700 14px var(--sans);margin:0 0 10px;text-transform:uppercase;letter-spacing:.06em}
footer a{color:#d9e2f0;text-decoration:none;display:block;margin-bottom:6px}
footer a:hover{text-decoration:underline}
footer .legal-line{border-top:1px solid #22324d;padding-top:20px;font-size:12.5px;line-height:1.6}
.ehl{display:inline-flex;align-items:center;gap:8px;margin-top:10px}
@media (max-width:980px){
  nav.main{display:none}
  nav.main.open{display:flex;flex-direction:column;position:absolute;top:68px;left:0;right:0;background:#fff;padding:16px 20px;border-bottom:1px solid var(--line);gap:14px}
  .menu-btn{display:block}
  .hero .grid,.article .layout{grid-template-columns:1fr}
  .side{position:static}
  .grid3,.grid2,.calc{grid-template-columns:1fr}
  footer .cols{grid-template-columns:1fr 1fr}
}
@media (max-width:560px){
  body{font-size:16px}
  .options,.row2{grid-template-columns:1fr}
  .cta{padding:10px 12px;font-size:14px}
  header.top .wrap{gap:10px}
  .band{padding:28px 22px}
  footer .cols{grid-template-columns:1fr}
  section{padding:56px 0}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.loan-card{transition:none}}