:root{--white:#ffffff;--primary:#2e6c7a;--dark:#1e2a39;--accent:#07877e;--light:#47a7a0;--bg:#f4f8f9;--line:#dbe7ea}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,Arial,sans-serif;color:#22313f;background:var(--white);line-height:1.75;font-size:1.02rem}
img{max-width:100%;height:auto;display:block}
a{color:var(--primary);text-decoration:none}
a:hover{color:var(--accent)}
h1,h2,h3{text-wrap:balance}
p,li,figcaption{text-wrap:pretty}
.container{max-width:1200px;margin:0 auto;padding:0 20px}
/* ===== NAV ===== */
.topbar{background:var(--dark);color:#cfe3e6;font-size:.85rem}
.topbar .container{display:flex;justify-content:space-between;padding:6px 20px;flex-wrap:wrap;gap:8px}
.topbar a{color:#9fd6d0}
header.site{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:100000;box-shadow:0 1px 8px rgba(30,42,57,.06)}
.nav{display:flex;align-items:center;gap:6px;padding:10px 20px;max-width:1200px;margin:0 auto}
.logo{display:flex;align-items:center;gap:9px;font-weight:800;font-size:1.28rem;color:var(--dark)}
.logo svg{width:34px;height:34px}
.logo span b{color:var(--primary)}
nav.menu{display:flex;align-items:center;gap:2px;margin-left:26px;flex:1}
nav.menu>div,nav.menu>a.navlink{position:relative}
nav.menu a.navlink,nav.menu button.navbtn{display:block;padding:12px 14px;font-weight:600;color:var(--dark);background:none;border:none;font-size:.98rem;cursor:pointer;font-family:inherit}
nav.menu a.navlink:hover,nav.menu button.navbtn:hover,nav.menu .drop:hover>button{color:var(--accent)}
.drop .dropdown{display:none;position:absolute;top:100%;left:0;background:var(--white);min-width:250px;border:1px solid var(--line);border-radius:0 0 10px 10px;box-shadow:0 10px 26px rgba(30,42,57,.14);padding:6px 0;z-index:950}
.drop:hover .dropdown,.drop:focus-within .dropdown{display:block}
.dropdown a{display:block;padding:10px 18px;font-weight:500;color:var(--dark)}
.dropdown a:hover{background:var(--bg);color:var(--accent)}
.navgap{flex:1;min-width:70px}
a.btn-apply{background:var(--accent);color:#fff;font-weight:700;padding:11px 30px;border-radius:8px;white-space:nowrap}
a.btn-apply:hover{background:var(--light);color:#fff}
.hamburger{display:none;background:none;border:none;cursor:pointer;padding:8px}
.hamburger span{display:block;width:26px;height:3px;background:var(--dark);margin:5px 0;border-radius:2px}
/* ===== BREADCRUMB ===== */
.breadcrumb{background:var(--bg);border-bottom:1px solid var(--line)}
.breadcrumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:9px 20px;max-width:1200px;margin:0 auto;font-size:.88rem}
.breadcrumb li+li::before{content:"›";margin-right:6px;color:var(--light)}
.breadcrumb a{color:var(--primary)}
.breadcrumb li[aria-current]{color:#5a6b7a}
/* ===== HERO ===== */
.hero{position:relative;color:#fff;background:var(--dark)}
.hero .heroimg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 18%;opacity:.34}
.hero .inner{position:relative;max-width:1200px;margin:0 auto;padding:74px 20px;z-index:2}
.hero h1{font-size:2.35rem;line-height:1.22;max-width:720px;margin-bottom:14px}
.hero p.lead{font-size:1.15rem;max-width:640px;color:#e3eef0;margin-bottom:24px}
.hero .heroctas{display:flex;gap:14px;flex-wrap:wrap}
.hero a.btn-apply{font-size:1.05rem;padding:13px 36px}
.hero a.btn-ghost{border:2px solid var(--light);color:#fff;padding:11px 28px;border-radius:8px;font-weight:600}
.trustline{display:flex;gap:26px;flex-wrap:wrap;margin-top:26px;font-size:.94rem;color:#cfe3e6}
.trustline b{color:#fff}
/* ===== FORM ===== */
.form-band{background:linear-gradient(180deg,var(--bg),var(--white));border-bottom:1px solid var(--line);padding:34px 0;position:relative;isolation:isolate;z-index:1}
.form-wrap{background:var(--white);border:1px solid var(--line);border-radius:14px;box-shadow:0 8px 26px rgba(30,42,57,.08);padding:26px;max-width:980px;margin:0 auto;position:relative;z-index:1}
#_lg_form_{position:relative;z-index:1}
.form-band h2{text-align:center;color:var(--dark);margin-bottom:6px}
.form-band p.sub{text-align:center;color:#5a6b7a;margin-bottom:18px}
/* ===== LAYOUT ===== */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:38px;max-width:1200px;margin:0 auto;padding:44px 20px}
article.main h2{color:var(--dark);font-size:1.62rem;margin:34px 0 12px;border-left:5px solid var(--accent);padding-left:13px}
article.main h2:first-child{margin-top:0}
article.main h3{color:var(--primary);font-size:1.22rem;margin:24px 0 8px}
article.main p{margin-bottom:15px}
article.main ul,article.main ol{margin:0 0 16px 24px}
article.main li{margin-bottom:7px}
article.main table{width:100%;border-collapse:collapse;margin:16px 0;font-size:.95rem}
article.main th{background:var(--primary);color:#fff;padding:10px 12px;text-align:left}
article.main td{border:1px solid var(--line);padding:9px 12px}
article.main tr:nth-child(even) td{background:var(--bg)}
figure.infig{margin:20px auto;max-width:430px}
figure.infig img{border-radius:12px;box-shadow:0 8px 22px rgba(30,42,57,.14)}
figure.infig figcaption{font-size:.85rem;color:#5a6b7a;text-align:center;margin-top:7px}
.callout{background:var(--bg);border-left:5px solid var(--light);border-radius:0 10px 10px 0;padding:16px 18px;margin:18px 0}
/* ===== AMOUNT CARDS ===== */
.amountrow{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:20px 0}
.amountcard{border:1px solid var(--line);border-radius:12px;overflow:hidden;background:var(--white);box-shadow:0 5px 16px rgba(30,42,57,.07);transition:transform .18s}
.amountcard:hover{transform:translateY(-4px)}
.amountcard img{aspect-ratio:16/9;object-fit:cover}
.amountcard .body{padding:14px 16px}
.amountcard h3{margin:0 0 5px;font-size:1.06rem}
.amountcard .amt{color:var(--accent);font-weight:800;font-size:1.24rem}
.amountcard p{font-size:.9rem;color:#5a6b7a;margin:6px 0 0}
.amountcard .svgart{aspect-ratio:16/9;display:block;width:100%}
/* ===== BLOG GRID ===== */
.bloggrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:22px 0}
.postcard{border:1px solid var(--line);border-radius:12px;overflow:hidden;background:var(--white);box-shadow:0 5px 16px rgba(30,42,57,.07);display:flex;flex-direction:column;transition:transform .18s}
.postcard:hover{transform:translateY(-4px)}
.postcard img{aspect-ratio:16/9;object-fit:cover}
.postcard .body{padding:15px 17px;display:flex;flex-direction:column;flex:1}
.postcard h3{font-size:1.04rem;line-height:1.4;margin-bottom:7px}
.postcard h3 a{color:var(--dark)}
.postcard h3 a:hover{color:var(--accent)}
h1,h2,h3{text-wrap:balance}
p,li,figcaption{text-wrap:pretty}
.postcard p{font-size:.9rem;color:#5a6b7a;flex:1}
.postcard .meta{font-size:.8rem;color:var(--light);margin-top:9px;font-weight:600}
/* ===== SIDEBAR ===== */
aside.sidebar{display:flex;flex-direction:column;gap:20px}
.sbox{border:1px solid var(--line);border-radius:12px;padding:19px 20px;background:var(--white);box-shadow:0 4px 14px rgba(30,42,57,.06)}
.sbox h3{color:var(--dark);font-size:1.05rem;margin-bottom:10px;padding-bottom:8px;border-bottom:2px solid var(--light)}
.sbox ul{list-style:none}
.sbox ul li{padding:6px 0;border-bottom:1px dashed var(--line);font-size:.93rem}
.sbox ul li:last-child{border-bottom:none}
.sbox.cta{background:linear-gradient(150deg,var(--primary),var(--accent));color:#fff;text-align:center}
.sbox.cta h3{color:#fff;border-color:rgba(255,255,255,.4)}
.sbox.cta a.btn-apply{display:inline-block;background:#fff;color:var(--primary);margin-top:9px}
.sbox .stat{display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px dashed var(--line);font-size:.93rem}
.sbox .stat b{color:var(--accent)}
.sbox p{font-size:.92rem;color:#42525f}
.stars{color:#f5a623;letter-spacing:2px}
/* ===== REVIEWS ===== */
.ratingpanel{display:flex;gap:34px;align-items:center;background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:26px;margin:18px 0;flex-wrap:wrap}
.ratingpanel .big{font-size:3.4rem;font-weight:800;color:var(--dark);line-height:1}
.bars{flex:1;min-width:240px}
.bars .brow{display:flex;align-items:center;gap:10px;font-size:.86rem;margin:4px 0}
.bars .track{flex:1;height:9px;background:var(--line);border-radius:6px;overflow:hidden}
.bars .fill{height:100%;background:var(--accent)}
.reviewcard{border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin-bottom:14px;background:var(--white)}
.reviewcard .rhead{display:flex;justify-content:space-between;flex-wrap:wrap;gap:6px;margin-bottom:6px}
.reviewcard .rname{font-weight:700;color:var(--dark)}
.reviewcard .rloc{color:#5a6b7a;font-size:.85rem}
.reviewcard p{font-size:.95rem;margin:0}
/* ===== LENDER COMPARE ===== */
.lender{border:1px solid var(--line);border-radius:12px;padding:20px 22px;margin-bottom:16px;background:var(--white)}
.lender h3{margin-top:0}
.lender .facts{display:flex;gap:18px;flex-wrap:wrap;font-size:.87rem;color:var(--primary);font-weight:600;margin-bottom:9px}
.lender p{font-size:.95rem}
/* ===== FAQ ===== */
details.faq{border:1px solid var(--line);border-radius:10px;margin-bottom:11px;background:var(--white)}
details.faq summary{padding:14px 18px;font-weight:700;color:var(--dark);cursor:pointer;list-style:none;position:relative;padding-right:40px}
details.faq summary::after{content:"+";position:absolute;right:18px;color:var(--accent);font-size:1.3rem}
details.faq[open] summary::after{content:"–"}
details.faq .ans{padding:0 18px 15px;color:#42525f}
/* ===== CALCULATOR ===== */
.calcbox{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:26px;margin:18px 0}
.calcbox label{display:block;font-weight:700;color:var(--dark);margin:13px 0 5px}
.calcbox input[type=range]{width:100%;accent-color:var(--accent)}
.calcbox .val{font-weight:800;color:var(--accent);font-size:1.15rem}
.calcout{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:20px}
.calcout .cell{background:var(--white);border:1px solid var(--line);border-radius:10px;padding:15px;text-align:center}
.calcout .cell b{display:block;font-size:1.35rem;color:var(--primary)}
.calcout .cell span{font-size:.83rem;color:#5a6b7a}
/* ===== AUTHOR / SHARE / RELATED ===== */
.authorbox{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin:24px 0}
.authorbox .aname{font-weight:800;color:var(--dark)}
.authorbox .arole{color:var(--accent);font-size:.88rem;font-weight:600;margin-bottom:6px}
.authorbox p{font-size:.92rem;margin:0}
.sharebar{display:flex;gap:10px;align-items:center;margin:18px 0;flex-wrap:wrap}
.sharebar span{font-weight:700;color:var(--dark)}
.sharebar a{background:var(--primary);color:#fff;padding:7px 16px;border-radius:7px;font-size:.87rem;font-weight:600}
.sharebar a:hover{background:var(--accent);color:#fff}
.related{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:16px 0 6px}
/* ===== CTA ZONE ===== */
.ctazone{background:linear-gradient(135deg,var(--primary) 0%,var(--accent) 100%);color:#fff;text-align:center;padding:52px 20px;margin-top:20px}
.ctazone h2{font-size:1.9rem;margin-bottom:10px}
.ctazone p{max-width:640px;margin:0 auto 22px;color:#e3f2f1}
.ctazone a.btn-apply{background:#fff;color:var(--primary);font-size:1.08rem;padding:14px 42px}
.ctazone a.btn-apply:hover{background:var(--dark);color:#fff}
/* ===== FOOTER ===== */
footer.site{background:var(--dark);color:#b8c7ce;font-size:.92rem}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:34px;max-width:1200px;margin:0 auto;padding:48px 20px 30px}
footer.site h4{color:#fff;margin-bottom:13px;font-size:1.02rem}
footer.site ul{list-style:none}
footer.site li{margin-bottom:8px}
footer.site a{color:#9fd6d0}
footer.site a:hover{color:#fff}
.disclosure{border-top:1px solid #2c3d50;max-width:1200px;margin:0 auto;padding:22px 20px;font-size:.8rem;color:#8798a5;line-height:1.7}
.copyright{border-top:1px solid #2c3d50;text-align:center;padding:15px 20px;font-size:.85rem;color:#8798a5}
/* ===== SCROLL TOP ===== */
#toTop{position:fixed;bottom:26px;right:26px;width:48px;height:48px;border-radius:50%;background:var(--accent);color:#fff;border:none;font-size:1.35rem;cursor:pointer;display:none;z-index:980;box-shadow:0 6px 18px rgba(7,135,126,.45)}
#toTop:hover{background:var(--light)}
/* ===== RESPONSIVE ===== */
@media(max-width:980px){
.layout{grid-template-columns:1fr}
.bloggrid{gap:14px}
.postcard h3{font-size:.92rem}
.postcard p{font-size:.82rem}
footer.site .cols{grid-template-columns:1fr 1fr}
.hero h1{font-size:1.85rem}
}
@media(max-width:760px){
.hamburger{display:block;margin-left:auto}
nav.menu{display:none;position:absolute;top:100%;left:0;right:0;background:var(--white);flex-direction:column;align-items:stretch;border-bottom:1px solid var(--line);box-shadow:0 14px 26px rgba(30,42,57,.14);margin:0;padding:8px 0}
nav.menu.open{display:flex}
.navgap{display:none}
nav.menu a.btn-apply{margin:10px 18px;text-align:center}
.drop .dropdown{position:static;box-shadow:none;border:none;border-left:3px solid var(--light);margin-left:16px;display:block}
.amountrow,.bloggrid,.calcout{grid-template-columns:1fr}
.related{grid-template-columns:1fr}
footer.site .cols{grid-template-columns:1fr}
.hero .inner{padding:52px 20px}
}