/* WhitePineLendingUSA — Pine Ridge design system */
:root{
  --pine-900:#0b2e22;--pine-800:#0f3d2e;--pine-700:#165140;--pine-600:#1f6a52;--pine-500:#2c8566;
  --moss-100:#e6f0ea;--moss-50:#f2f7f4;
  --cream:#f8f4ea;--cream-2:#efe8d6;
  --amber:#e9a23b;--amber-600:#cf8a22;--amber-100:#fcefd8;
  --ink:#14211b;--ink-2:#3c4b44;--muted:#66756e;--line:#dfe6e1;
  --white:#fff;--danger:#b4442f;
  --r-sm:8px;--r:14px;--r-lg:22px;
  --sh-1:0 1px 2px rgba(11,46,34,.06),0 2px 8px rgba(11,46,34,.06);
  --sh-2:0 10px 30px rgba(11,46,34,.12);
  --sh-3:0 24px 60px rgba(11,46,34,.22);
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --wrap:1180px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.7;color:var(--ink);background:var(--white)}
img,svg{max-width:100%;display:block}
a{color:var(--pine-600);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--pine-800)}
h1,h2,h3,h4{font-family:var(--serif);line-height:1.18;color:var(--pine-900);margin:0 0 .5em;font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.6vw,3.5rem)}
h2{font-size:clamp(1.6rem,3vw,2.35rem)}
h3{font-size:clamp(1.15rem,1.8vw,1.4rem)}
p{margin:0 0 1.1em}
ul,ol{padding-left:1.25em;margin:0 0 1.1em}
li{margin:.3em 0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.skip{position:absolute;left:-999px;top:0;background:var(--amber);padding:8px 14px;z-index:100}
.skip:focus{left:10px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--pine-600);margin-bottom:.8em}
.lead{font-size:1.15rem;color:var(--ink-2)}
.center{text-align:center}
.muted{color:var(--muted)}
.small{font-size:.88rem}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.5em;font-weight:700;font-size:1rem;padding:.85em 1.5em;border-radius:999px;border:2px solid transparent;text-decoration:none;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s;font-family:var(--sans)}
.btn:hover{transform:translateY(-1px)}
.btn-amber{background:var(--amber);color:var(--pine-900);box-shadow:0 6px 18px rgba(233,162,59,.35)}
.btn-amber:hover{background:#f2b04f;color:var(--pine-900)}
.btn-pine{background:var(--pine-700);color:#fff}
.btn-pine:hover{background:var(--pine-800);color:#fff}
.btn-ghost{border-color:currentColor;color:var(--pine-700);background:transparent}
.btn-light{border-color:rgba(255,255,255,.5);color:#fff}
.btn-light:hover{color:#fff;background:rgba(255,255,255,.08)}

/* Header (NOT sticky) */
.site-header{position:relative;background:var(--pine-900);color:#fff;z-index:20}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:74px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-family:var(--serif);font-weight:600;font-size:1.22rem;letter-spacing:-.01em}
.brand:hover{color:#fff}
.brand svg{width:34px;height:34px}
.brand small{display:block;font-family:var(--sans);font-size:.62rem;letter-spacing:.2em;text-transform:uppercase;color:var(--amber);font-weight:700;margin-top:-2px}
.menu{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.menu a{color:#dfe9e3;text-decoration:none;font-size:.94rem;font-weight:500;padding:8px 12px;border-radius:8px}
.menu a:hover,.menu a[aria-current="page"]{color:#fff;background:rgba(255,255,255,.08)}
.menu .btn{padding:.6em 1.15em;margin-left:8px;color:var(--pine-900)}
.menu .btn:hover{background:#f2b04f}
.nav-toggle{display:none;background:none;border:1px solid rgba(255,255,255,.3);color:#fff;border-radius:8px;padding:8px 12px;font-size:.95rem;cursor:pointer}
@media (max-width:980px){
  .nav-toggle{display:block}
  .menu{display:none;position:absolute;left:0;right:0;top:74px;background:var(--pine-900);flex-direction:column;align-items:stretch;padding:10px 20px 20px;border-top:1px solid rgba(255,255,255,.08)}
  .menu.open{display:flex}
  .menu a{padding:12px}
  .menu .btn{margin:8px 0 0;justify-content:center}
}

/* Hero */
.hero{position:relative;background:radial-gradient(1200px 600px at 85% -10%,#1f6a52 0%,transparent 60%),linear-gradient(160deg,var(--pine-900) 0%,var(--pine-800) 55%,#123f30 100%);color:#e9f1ec;overflow:hidden}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:120px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 120' preserveAspectRatio='none'%3E%3Cpath fill='%23ffffff' d='M0 120V45L44 60L82 20L151 20L209 70L247 70L295 20L335 60L396 20L446 20L516 60L554 70L596 30L634 70L694 20L743 20L813 30L866 60L910 70L952 70L1006 70L1052 20L1099 45L1140 70L1179 70L1217 70L1265 60L1334 60L1389 60L1440 50V120Z'/%3E%3C/svg%3E") bottom/100% 100% no-repeat;pointer-events:none}
.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;padding-top:64px;padding-bottom:130px}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--amber)}
.hero .lead{color:#cfe0d6;max-width:560px}
.hero-chips{display:flex;flex-wrap:wrap;gap:10px;margin:26px 0 30px;padding:0;list-style:none}
.hero-chips li{margin:0;display:flex;align-items:center;gap:8px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);padding:8px 14px;border-radius:999px;font-size:.9rem;color:#e9f1ec}
.hero-chips svg{width:16px;height:16px;color:var(--amber)}
.hero-stats{display:flex;gap:34px;flex-wrap:wrap;margin-top:6px}
.hero-stats b{display:block;font-family:var(--serif);font-size:1.9rem;color:#fff;line-height:1.1}
.hero-stats span{font-size:.85rem;color:#a9c3b5}
.independent{margin-top:22px;font-size:.8rem;color:#9fb9ab;max-width:540px}
.independent a{color:#cfe0d6}

/* Apply panel (form placeholder) */
.apply-card{position:relative;background:var(--white);color:var(--ink);border-radius:var(--r-lg);box-shadow:var(--sh-3);padding:30px 28px 26px;border-top:6px solid var(--amber)}
.apply-card::before{content:"";position:absolute;inset:-14px -14px auto auto;width:90px;height:90px;border-radius:50%;background:var(--amber);opacity:.18;z-index:-1}
.apply-card h2{font-size:1.45rem;margin-bottom:.2em}
.apply-card .sub{font-size:.92rem;color:var(--muted);margin-bottom:18px}
.amount-out{font-family:var(--serif);font-size:2.6rem;color:var(--pine-800);font-weight:600;line-height:1}
.amount-row{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:6px}
.amount-row small{color:var(--muted);font-size:.8rem}
input[type=range]{width:100%;accent-color:var(--pine-600);margin:10px 0 4px}
.range-ends{display:flex;justify-content:space-between;font-size:.78rem;color:var(--muted);margin-bottom:16px}
.field{margin-bottom:14px}
.field label{display:block;font-size:.82rem;font-weight:600;color:var(--ink-2);margin-bottom:5px}
.field select,.field input{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;font:inherit;font-size:.98rem;background:#fff;color:var(--ink)}
.field select:focus,.field input:focus{outline:none;border-color:var(--pine-500);box-shadow:0 0 0 3px rgba(44,133,102,.15)}
.apply-card .btn{width:100%;justify-content:center;margin-top:4px}
.secure-line{display:flex;align-items:center;justify-content:center;gap:6px;font-size:.78rem;color:var(--muted);margin-top:12px}
.secure-line svg{width:14px;height:14px}
#_lg_form_{min-height:10px}

/* Ticker */
.ticker{background:var(--amber);color:var(--pine-900);overflow:hidden;white-space:nowrap;font-weight:700;font-size:.92rem}
.ticker-track{display:inline-flex;gap:48px;padding:12px 0;animation:tick 38s linear infinite}
.ticker-track span{display:inline-flex;align-items:center;gap:10px}
.ticker-track span::before{content:"";width:8px;height:8px;background:var(--pine-800);transform:rotate(45deg)}
@keyframes tick{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.ticker-track{animation:none}}

/* Sections */
.section{padding:84px 0}
.section-sm{padding:56px 0}
.bg-cream{background:var(--cream)}
.bg-moss{background:var(--moss-50)}
.bg-pine{background:var(--pine-900);color:#d6e5dc}
.bg-pine h2,.bg-pine h3{color:#fff}
.section-head{max-width:760px;margin:0 auto 46px;text-align:center}
.section-head p{color:var(--ink-2)}
.bg-pine .section-head p{color:#b9cfc2}

/* Grids & cards */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--sh-1)}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
.icon{width:52px;height:52px;border-radius:14px;background:var(--moss-100);color:var(--pine-700);display:grid;place-items:center;margin-bottom:16px}
.icon svg{width:26px;height:26px}
.card-link{display:flex;flex-direction:column;text-decoration:none;color:inherit;transition:transform .15s,box-shadow .15s}
.card-link:hover{transform:translateY(-3px);box-shadow:var(--sh-2);color:inherit}
.card-link .more{margin-top:auto;padding-top:12px;font-weight:700;color:var(--pine-600);font-size:.92rem}

/* ID / fact card */
.id-card{display:grid;grid-template-columns:.8fr 1.2fr;background:#fff;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-2);border:1px solid var(--line)}
.id-side{background:linear-gradient(170deg,var(--pine-700),var(--pine-900));color:#fff;padding:36px 30px;display:flex;flex-direction:column;gap:14px}
.id-side .tag{font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:var(--amber);font-weight:700}
.id-side h3{color:#fff;font-size:1.6rem;margin:0}
.id-side p{color:#c6d9ce;font-size:.95rem;margin:0}
.id-body{padding:34px 34px 30px}
.facts{display:grid;grid-template-columns:repeat(2,1fr);gap:14px 26px;margin:0}
.facts div{border-bottom:1px dashed var(--line);padding-bottom:10px}
.facts dt{font-size:.75rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:700}
.facts dd{margin:2px 0 0;font-weight:600;color:var(--pine-900)}

/* Steps (phone walkthrough) */
.steps-wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:center}
.phone{width:280px;margin:0 auto;background:var(--pine-900);border-radius:40px;padding:14px;box-shadow:var(--sh-3)}
.phone-screen{background:var(--cream);border-radius:28px;min-height:470px;padding:28px 22px;display:flex;flex-direction:column;gap:14px;position:relative;overflow:hidden}
.phone-notch{width:90px;height:20px;background:var(--pine-900);border-radius:0 0 14px 14px;margin:-28px auto 6px}
.screen{display:none;flex-direction:column;gap:12px;animation:fade .4s}
.screen.on{display:flex}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.screen .s-title{font-family:var(--serif);font-size:1.25rem;color:var(--pine-900);font-weight:600}
.screen .bar{height:12px;border-radius:6px;background:var(--cream-2)}
.screen .bar.w60{width:60%}.screen .bar.w80{width:80%}
.screen .pill{align-self:flex-start;background:var(--pine-700);color:#fff;font-size:.8rem;padding:6px 12px;border-radius:999px;font-weight:600}
.screen .big{font-family:var(--serif);font-size:2.2rem;color:var(--pine-700);font-weight:600}
.screen .okay{width:64px;height:64px;border-radius:50%;background:var(--pine-600);display:grid;place-items:center;color:#fff;margin:10px auto}
.step-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:12px}
.step-list li{margin:0}
.step-list button{all:unset;box-sizing:border-box;width:100%;cursor:pointer;display:grid;grid-template-columns:48px 1fr;gap:16px;padding:18px 20px;border-radius:var(--r);border:1.5px solid var(--line);background:#fff;transition:border-color .15s,box-shadow .15s}
.step-list button:focus-visible{outline:3px solid var(--amber)}
.step-list button.on{border-color:var(--pine-500);box-shadow:var(--sh-2)}
.step-num{width:48px;height:48px;border-radius:50%;background:var(--moss-100);color:var(--pine-700);display:grid;place-items:center;font-family:var(--serif);font-weight:700;font-size:1.2rem}
.step-list button.on .step-num{background:var(--pine-700);color:#fff}
.step-list b{display:block;font-family:var(--serif);font-size:1.12rem;color:var(--pine-900)}
.step-list span.d{font-size:.94rem;color:var(--ink-2)}

/* Checklist */
.checklist{list-style:none;padding:0;margin:0}
.checklist li{position:relative;padding-left:34px;margin:.7em 0}
.checklist li::before{content:"";position:absolute;left:0;top:4px;width:22px;height:22px;border-radius:50%;background:var(--pine-600) 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'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/14px no-repeat}
.xlist li::before{background:var(--danger) 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'%3E%3Cpath d='M6 6l12 12M18 6L6 18'/%3E%3C/svg%3E") center/12px no-repeat}

/* Calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:0;background:#fff;border-radius:var(--r-lg);box-shadow:var(--sh-2);overflow:hidden;border:1px solid var(--line)}
.calc-in{padding:34px}
.calc-out{background:linear-gradient(160deg,var(--pine-800),var(--pine-900));color:#d6e5dc;padding:34px;display:flex;flex-direction:column;justify-content:center}
.calc-out .big{font-family:var(--serif);font-size:3rem;color:#fff;line-height:1}
.calc-out dl{display:grid;grid-template-columns:1fr auto;gap:10px;margin:24px 0 0;font-size:.95rem}
.calc-out dt{color:#a9c3b5}.calc-out dd{margin:0;color:#fff;font-weight:600;text-align:right}
.calc label{display:flex;justify-content:space-between;font-weight:600;font-size:.92rem;color:var(--ink-2)}
.calc label output{color:var(--pine-700);font-family:var(--serif);font-size:1.1rem}
.calc .row{margin-bottom:20px}

/* Expert box / E-E-A-T */
.expert{display:grid;grid-template-columns:auto 1fr;gap:20px;align-items:start;background:var(--amber-100);border:1px solid #f1d7a8;border-left:6px solid var(--amber);border-radius:var(--r);padding:24px 26px;margin:32px 0}
.expert .badge{width:54px;height:54px;border-radius:50%;background:var(--pine-800);color:var(--amber);display:grid;place-items:center;font-family:var(--serif);font-weight:700}
.expert h3,.expert h4{font-size:1.08rem;margin:0 0 .3em}
.expert p{margin:0;font-size:.98rem}
.byline{display:flex;flex-wrap:wrap;gap:8px 20px;align-items:center;font-size:.86rem;color:var(--muted);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:12px 0;margin:0 0 30px}
.byline b{color:var(--ink-2)}
.byline .dot{width:4px;height:4px;border-radius:50%;background:var(--line)}

/* Trust / reviews band */
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.score{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:26px}
.score b{display:block;font-family:var(--serif);font-size:2.4rem;color:var(--amber);line-height:1}
.score span{display:block;color:#fff;font-weight:600;margin:8px 0 6px}
.score p{font-size:.92rem;color:#b9cfc2;margin:0}
.score a{color:#e9f1ec}

/* FAQ */
.faq{max-width:880px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin-bottom:12px;overflow:hidden}
.faq summary{cursor:pointer;list-style:none;padding:20px 56px 20px 24px;font-family:var(--serif);font-weight:600;font-size:1.1rem;color:var(--pine-900);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);width:28px;height:28px;border-radius:50%;background:var(--moss-100);color:var(--pine-700);display:grid;place-items:center;font-family:var(--sans);font-size:1.2rem}
.faq details[open] summary::after{content:"–"}
.faq .a{padding:0 24px 20px;color:var(--ink-2)}
.faq .a p:last-child{margin:0}

/* Tables */
.table-wrap{overflow-x:auto;margin:0 0 1.4em;border-radius:var(--r);border:1px solid var(--line)}
table{width:100%;border-collapse:collapse;font-size:.95rem;background:#fff}
th,td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--moss-50);font-weight:700;color:var(--pine-900);font-size:.86rem;letter-spacing:.02em}
tr:last-child td{border-bottom:none}

/* Page hero (inner pages) */
.page-hero{background:linear-gradient(160deg,var(--pine-900),var(--pine-800));color:#cfe0d6;padding:54px 0 60px}
.page-hero h1{color:#fff;font-size:clamp(1.9rem,4vw,3rem);max-width:900px}
.page-hero .lead{color:#cfe0d6;max-width:780px}
.crumbs{font-size:.84rem;margin-bottom:18px;color:#9fb9ab}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li{margin:0}
.crumbs li+li::before{content:"/";margin-right:6px;color:#6f8f7f}
.crumbs a{color:#cfe0d6;text-decoration:none}
.page-hero .btn{margin-top:10px}

/* Article layout */
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;padding:56px 0 80px}
.prose h2{margin-top:1.6em;font-size:clamp(1.45rem,2.4vw,1.95rem)}
.prose h3{margin-top:1.4em}
.prose h2:first-child{margin-top:0}
.prose blockquote{margin:1.4em 0;padding:18px 22px;background:var(--moss-50);border-left:4px solid var(--pine-500);border-radius:0 var(--r-sm) var(--r-sm) 0;color:var(--ink-2)}
.keybox{background:var(--moss-50);border:1px solid var(--line);border-radius:var(--r);padding:22px 26px;margin:0 0 30px}
.keybox h2{font-size:1.15rem!important;margin:0 0 .6em!important;font-family:var(--sans);font-weight:800;letter-spacing:.02em;text-transform:uppercase;color:var(--pine-700)}
.keybox ul{margin:0}
.aside{position:relative}
.aside-inner{display:flex;flex-direction:column;gap:20px}
.aside .card{padding:22px}
.aside h3{font-size:1.1rem}
.aside ul{list-style:none;padding:0;margin:0}
.aside li{margin:0;border-bottom:1px solid var(--line)}
.aside li:last-child{border:none}
.aside li a{display:block;padding:9px 0;text-decoration:none;font-size:.94rem;color:var(--ink-2)}
.aside li a:hover{color:var(--pine-600)}
.aside-cta{background:var(--pine-800)!important;color:#d6e5dc;border:none!important}
.aside-cta h3{color:#fff}
.aside-cta .btn{width:100%;justify-content:center}
.related{margin-top:48px;padding-top:30px;border-top:1px solid var(--line)}
.related h2{font-size:1.4rem}
.sources{font-size:.88rem;color:var(--muted);margin-top:36px;padding-top:20px;border-top:1px solid var(--line)}
.sources h2{font-size:1.05rem!important;font-family:var(--sans);font-weight:700;margin-top:0!important}
.sources ol{padding-left:1.2em}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--pine-700),var(--pine-900));border-radius:var(--r-lg);padding:46px 48px;color:#d6e5dc;display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center;position:relative;overflow:hidden}
.cta-band h2{color:#fff;margin-bottom:.25em}
.cta-band p{margin:0}

/* Blog cards */
.post-card .meta{font-size:.8rem;color:var(--muted);margin-bottom:8px;text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.post-thumb{height:150px;border-radius:var(--r-sm);margin:-6px -6px 18px;background:linear-gradient(135deg,var(--pine-600),var(--pine-900));position:relative;overflow:hidden}
.post-thumb::after{content:"";position:absolute;inset:auto 0 0 0;height:70%;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 100'%3E%3Cpath fill='%23e9a23b' opacity='.9' d='M0 100V70l20-25 15 15 25-40 20 30 18-18 25 35 22-45 25 40 18-15 22 25 30-42 22 32 18-16 20 24v40z'/%3E%3C/svg%3E") bottom/cover no-repeat}
.post-thumb.t2{background:linear-gradient(135deg,#2c8566,#0f3d2e)}
.post-thumb.t3{background:linear-gradient(135deg,#165140,#3a6b55)}
.post-thumb.t4{background:linear-gradient(135deg,#0b2e22,#1f6a52)}

/* Footer */
.site-footer{background:var(--pine-900);color:#a9c3b5;padding:64px 0 30px;font-size:.92rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px}
.site-footer h3{color:#fff;font-family:var(--sans);font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:0 0 8px}
.site-footer a{color:#cfe0d6;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.legal{margin-top:44px;padding-top:26px;border-top:1px solid rgba(255,255,255,.1);font-size:.8rem;line-height:1.65;color:#8fae9e}
.legal p{margin-bottom:.9em}
.copy{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;margin-top:20px;font-size:.82rem}

/* Responsive */
@media (max-width:1020px){
  .hero-grid{grid-template-columns:1fr;gap:40px;padding-top:48px;padding-bottom:120px}
  .g4{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:repeat(2,1fr)}
  .steps-wrap{grid-template-columns:1fr}
  .article-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .trust-grid{grid-template-columns:1fr}
}
@media (max-width:720px){
  body{font-size:16px}
  .section{padding:60px 0}
  .g2,.g3,.g4{grid-template-columns:1fr}
  .id-card,.calc{grid-template-columns:1fr}
  .facts{grid-template-columns:1fr}
  .cta-band{grid-template-columns:1fr;padding:34px 26px}
  .foot-grid{grid-template-columns:1fr}
  .expert{grid-template-columns:1fr}
  .hero-stats{gap:22px}
}

/* Homepage tabs (loan options) */
.tabs{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin-bottom:26px}
.tab{display:inline-flex;align-items:center;gap:8px;padding:12px 18px;border-radius:999px;border:1.5px solid var(--line);background:#fff;font:600 .95rem var(--sans);color:var(--pine-800);cursor:pointer;transition:all .15s}
.tab svg{width:18px;height:18px}
.tab:hover{border-color:var(--pine-500)}
.tab.on{background:var(--pine-700);border-color:var(--pine-700);color:#fff}
.tab:focus-visible{outline:3px solid var(--amber)}
.tab-wrap{background:#fff;border-radius:var(--r-lg);box-shadow:var(--sh-2);border:1px solid var(--line);overflow:hidden}
.tab-panel{display:none;grid-template-columns:1.4fr .6fr}
.tab-panel.on{display:grid;animation:fade .35s}
.tp-text{padding:36px 38px}
.tp-text h3{font-size:1.6rem}
.tp-actions{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 0}
.tp-stats{background:linear-gradient(170deg,var(--pine-700),var(--pine-900));display:flex;flex-direction:column;justify-content:center;gap:22px;padding:36px 30px}
.tp-stats b{display:block;font-family:var(--serif);font-size:2rem;color:var(--amber);line-height:1}
.tp-stats span{color:#cfe0d6;font-size:.9rem}
/* Spec cards (loan amounts) */
.spec{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;text-decoration:none;color:inherit;box-shadow:var(--sh-1);transition:transform .15s,box-shadow .15s}
.spec:hover{transform:translateY(-3px);box-shadow:var(--sh-2);color:inherit}
.spec-head{background:var(--pine-800);padding:20px 22px;color:#cfe0d6}
.spec:nth-child(2) .spec-head{background:var(--pine-700)}
.spec:nth-child(3) .spec-head{background:var(--pine-600)}
.spec:nth-child(4) .spec-head{background:var(--amber-600)}
.spec-head b{display:block;font-family:var(--serif);font-size:1.7rem;color:#fff}
.spec-head span{font-size:.85rem}
.spec dl{display:grid;grid-template-columns:auto 1fr;gap:8px 12px;padding:18px 22px 6px;margin:0;font-size:.92rem}
.spec dt{color:var(--muted)}.spec dd{margin:0;text-align:right;font-weight:600;color:var(--pine-900)}
.spec .more{padding:6px 22px 20px;font-weight:700;color:var(--pine-600);font-size:.9rem;margin-top:auto}
@media (max-width:720px){.tab-panel.on{grid-template-columns:1fr}.tp-text{padding:26px 22px}.tp-stats{flex-direction:row;flex-wrap:wrap;padding:24px 22px}}
/* Lead form in hero */
#apply{scroll-margin-top:16px}
#apply-slot{min-height:320px}
#_lg_form_{width:100%}
#_lg_form_ iframe{max-width:100%}

/* ===== Hero: Option 8 "Bold Speech Bubble" ===== */
.hero8{position:relative;overflow:hidden;background:var(--amber);color:var(--pine-900);padding:72px 0 96px}
.h8-huge{position:absolute;left:-20px;bottom:-.18em;font-family:var(--serif);font-weight:700;font-size:clamp(6rem,15vw,15rem);line-height:.8;color:transparent;-webkit-text-stroke:2px rgba(11,46,34,.18);white-space:nowrap;letter-spacing:-.03em;pointer-events:none;user-select:none}
.h8-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}
.h8-eyebrow{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;background:var(--pine-900);color:var(--amber);padding:7px 14px;border-radius:999px;margin-bottom:20px}
.hero8 h1{color:var(--pine-900);font-size:clamp(2.2rem,4.8vw,3.7rem);line-height:1.08}
.hero8 h1 em{font-style:normal;background:var(--pine-900);color:var(--amber);padding:0 .2em;border-radius:12px;display:inline-block;transform:rotate(-1.5deg)}
.h8-lead{font-size:1.12rem;color:#2a2410;max-width:560px}
.h8-chips{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:22px 0 26px}
.h8-chips li{margin:0;display:flex;align-items:center;gap:7px;background:var(--pine-900);color:#fff;padding:8px 14px;border-radius:999px;font-size:.88rem;font-weight:600}
.h8-chips svg{width:15px;height:15px;color:var(--amber)}
.h8-stats{display:flex;gap:34px;flex-wrap:wrap}
.h8-stats b{display:block;font-family:var(--serif);font-size:1.9rem;line-height:1.1;color:var(--pine-900)}
.h8-stats span{font-size:.84rem;color:#4a3e1c}
.h8-avatars{display:flex;align-items:center;margin-top:22px;font-weight:700;font-size:.9rem}
.h8-avatars i{width:42px;height:42px;border-radius:50%;border:3px solid var(--amber);margin-left:-12px;display:block;background:var(--pine-600)}
.h8-avatars i:first-child{margin-left:0}.h8-avatars i:nth-child(2){background:var(--pine-500)}.h8-avatars i:nth-child(3){background:var(--pine-700)}.h8-avatars i:nth-child(4){background:var(--pine-900)}
.h8-avatars span{margin-left:12px}
.h8-note{font-size:.78rem;color:#4a3e1c;margin:18px 0 0;max-width:540px}
.h8-note a{color:var(--pine-900)}
.h8-bubble{position:relative;background:#fff;border:3px solid var(--pine-900);border-radius:44px;padding:36px 34px 28px;box-shadow:12px 12px 0 var(--pine-900);max-width:460px;width:100%;justify-self:center;scroll-margin-top:16px}
.h8-bubble::after{content:"";position:absolute;left:-34px;bottom:80px;width:44px;height:40px;background:#fff;border-left:3px solid var(--pine-900);border-bottom:3px solid var(--pine-900);clip-path:polygon(0 100%,100% 0,100% 100%);transform:skewY(-10deg)}
.h8-bubble h2{font-size:1.45rem;margin-bottom:.2em}
.h8-sub{font-size:.9rem;color:var(--muted);margin-bottom:16px}
/* ticker under amber hero: switch to pine */
.hero8 + .ticker{background:var(--pine-900);color:var(--amber)}
.hero8 + .ticker .ticker-track span::before{background:var(--amber)}
@media (max-width:1020px){.h8-grid{grid-template-columns:1fr;gap:56px}.hero8{padding:52px 0 80px}
  .h8-bubble::after{left:50%;bottom:auto;top:-30px;transform:translateX(-50%) rotate(135deg);clip-path:polygon(0 100%,100% 0,100% 100%)}}
@media (max-width:560px){.h8-bubble{padding:30px 22px 24px;border-radius:32px;box-shadow:8px 8px 0 var(--pine-900)}.h8-stats{gap:22px}}

/* Homepage reviews section */
.rv-grid{display:grid;grid-template-columns:1fr 1fr 1.3fr;gap:22px}
.rv-score{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--r-lg);padding:28px;display:flex;flex-direction:column}
.rv-src{font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;font-weight:800;color:#9fb9ab}
.rv-score b{font-family:var(--serif);font-size:3.6rem;line-height:1;color:var(--amber);margin:10px 0 6px}
.rv-score b small{font-size:1.4rem;color:#cfe0d6}
.rv-sub{font-size:.85rem;color:#fff;font-weight:600}
.rv-score p{font-size:.92rem;color:#b9cfc2;margin:12px 0 14px}
.rv-score a{margin-top:auto;color:var(--amber);font-weight:700;font-size:.9rem;text-decoration:none}
.rv-stars{position:relative;width:120px;height:22px;margin:2px 0 8px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23355d4e' d='M12 2l3 7h7l-5.5 4.5 2 7.5-6.5-4.5L5.5 21l2-7.5L2 9h7z'/%3E%3C/svg%3E") left/24px repeat-x}
.rv-stars i{position:absolute;inset:0 auto 0 0;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23e9a23b' d='M12 2l3 7h7l-5.5 4.5 2 7.5-6.5-4.5L5.5 21l2-7.5L2 9h7z'/%3E%3C/svg%3E") left/24px repeat-x}
.rv-themes{background:#fff;color:var(--ink);border-radius:var(--r-lg);padding:28px}
.rv-themes h3{font-size:1.1rem;color:var(--pine-900)}
.rv-themes ul{margin:0}
.rv-fix{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:22px}
.rv-fix div{border-top:3px solid var(--amber);padding:16px 4px 0}
.rv-fix b{display:block;color:#fff;font-family:var(--serif);font-size:1.15rem;margin-bottom:4px}
.rv-fix span{font-size:.92rem;color:#b9cfc2}
.rv-actions{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin:34px 0 0}
@media(max-width:1020px){.rv-grid{grid-template-columns:1fr 1fr}.rv-themes{grid-column:1/-1}}
@media(max-width:720px){.rv-grid,.rv-fix{grid-template-columns:1fr}}

/* What-is section: Bold Sticker Grid */
.st-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.st-tile{border:3px solid var(--pine-900);border-radius:26px;padding:22px;box-shadow:7px 7px 0 var(--pine-900);background:#fff;transition:transform .15s,box-shadow .15s}
.st-tile:hover{transform:translate(-2px,-2px);box-shadow:9px 9px 0 var(--pine-900)}
.st-tile>svg{width:30px;height:30px;color:var(--pine-700);margin-bottom:12px;display:block}
.st-tile dl{margin:0}
.st-tile dt{font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;font-weight:800;color:var(--muted)}
.st-tile dd{margin:3px 0 0;font-weight:700;color:var(--pine-900);font-size:1.05rem;line-height:1.4}
.st-tile.am{background:var(--amber)}.st-tile.am>svg{color:var(--pine-900)}.st-tile.am dt{color:#5a4310}.st-tile.am a{color:var(--pine-900)}
.st-tile.pn{background:var(--pine-700)}.st-tile.pn dt{color:#a9c3b5}.st-tile.pn dd{color:#fff}.st-tile.pn>svg{color:var(--amber)}
.st-hero{grid-column:span 2;grid-row:span 2;background:var(--pine-900);color:#cfe0d6;display:flex;flex-direction:column;justify-content:space-between;padding:32px}
.st-hero:hover{transform:none;box-shadow:7px 7px 0 var(--pine-900)}
.st-tag{display:inline-block;background:var(--amber);color:var(--pine-900);font-weight:800;font-size:.72rem;letter-spacing:.14em;padding:6px 12px;border-radius:999px;margin-bottom:16px}
.st-hero h3{color:#fff;font-size:2rem}
.st-hero p{color:#cfe0d6}
.st-big{font-family:var(--serif);font-size:3.4rem;color:var(--amber);line-height:1;margin:18px 0 6px;font-weight:600}
.st-cap{font-size:.9rem}
.st-hero .btn{align-self:flex-start;margin-top:22px;box-shadow:5px 5px 0 #000}
@media(max-width:1020px){.st-grid{grid-template-columns:1fr 1fr}.st-hero{grid-column:1/-1;grid-row:auto}}
@media(max-width:560px){.st-grid{gap:14px}.st-tile{padding:16px;border-radius:20px;box-shadow:5px 5px 0 var(--pine-900)}.st-tile dd{font-size:.95rem}}
/* E-E-A-T strip */
.eeat-strip{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:8px 12px;margin:34px auto 0;padding:14px 22px;border:1px dashed var(--line);border-radius:999px;max-width:max-content;font-size:.88rem;color:var(--ink-2);background:var(--moss-50)}
.eeat-strip svg{width:18px;height:18px;color:var(--pine-600)}
.eeat-strip .sep{color:#b9c5be}
@media(max-width:720px){.eeat-strip{border-radius:18px}.eeat-strip .sep{display:none}}

/* What-is section: Membership ID Card (option E) */
.e-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:center}
.e-steps{list-style:none;padding:0;margin:22px 0 28px;display:grid;gap:10px}
.e-steps li{display:flex;gap:10px;align-items:center;font-weight:600;color:var(--ink-2);margin:0}
.e-steps li b{flex:none;width:26px;height:26px;border-radius:50%;background:var(--pine-700);color:var(--amber);display:grid;place-items:center;font-size:.8rem}
.idc{position:relative;aspect-ratio:1.586;width:100%;border-radius:26px;overflow:hidden;color:#e8f1ec;background:radial-gradient(500px 300px at 85% 10%,#2c8566 0,transparent 60%),linear-gradient(135deg,#0b2e22,#165140);box-shadow:0 40px 80px rgba(11,46,34,.35);transform:perspective(1200px) rotateY(-8deg) rotateX(4deg);padding:28px 30px;display:flex;flex-direction:column;transition:transform .4s}
.idc:hover{transform:perspective(1200px) rotateY(0) rotateX(0)}
.idc::before{content:"";position:absolute;right:-60px;bottom:-60px;width:260px;height:260px;border-radius:50%;border:40px solid rgba(233,162,59,.12)}
.idc-row{display:flex;justify-content:space-between;align-items:center}
.idc-brand{display:flex;gap:10px;align-items:center;font-family:var(--serif);font-size:1.25rem;color:#fff}
.idc-brand svg{width:30px;height:30px;color:var(--amber)}
.idc-chip{width:48px;height:36px;border-radius:8px;background:linear-gradient(135deg,#f6d38d,#cf8a22);position:relative}
.idc-chip::after{content:"";position:absolute;inset:8px;border:1.5px solid rgba(0,0,0,.25);border-radius:4px}
.idc-amt{font-family:var(--serif);font-size:clamp(2rem,4vw,3rem);color:var(--amber);margin:14px 0 4px;line-height:1;font-weight:600}
.idc-num{font-family:ui-monospace,"SFMono-Regular",Menlo,Consolas,monospace;letter-spacing:.18em;font-size:.88rem;color:#a9c3b5}
.idc dl{display:grid;grid-template-columns:repeat(3,1fr);gap:10px 18px;margin:auto 0 0;position:relative}
.idc dt{font-size:.6rem;letter-spacing:.14em;text-transform:uppercase;color:#8fb1a1;font-weight:800}
.idc dd{margin:2px 0 0;font-size:.84rem;font-weight:700;color:#fff;line-height:1.3}
.e-under{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:26px}
.e-under div{background:#fff;border-radius:16px;padding:14px 16px;border:1px solid #ece4d0;font-size:.88rem;color:var(--ink-2)}
.e-under b{display:block;color:var(--pine-900)}
@media(max-width:1020px){.e-grid{grid-template-columns:1fr;gap:36px}.idc{transform:none;aspect-ratio:auto;min-height:300px}.idc:hover{transform:none}.idc dl{grid-template-columns:1fr 1fr;margin-top:22px}}
@media(max-width:560px){.e-under{grid-template-columns:1fr}.idc{padding:24px 22px}}

/* Loan options: Side Menu + Circle Photo (option K) */
.lo-grid{display:grid;grid-template-columns:260px 1fr;gap:40px;align-items:start}
.lo-menu{display:flex;flex-direction:column;gap:8px}
.lo-menu .tab{justify-content:flex-start;border-radius:16px;padding:16px 18px;font-size:1rem;width:100%;text-align:left}
.lo-menu .tab svg{color:var(--amber-600)}.lo-menu .tab.on svg{color:var(--amber)}
.lo-panel{display:none;grid-template-columns:.9fr 1.1fr;gap:44px;align-items:center;background:var(--cream);border-radius:30px;padding:40px}
.lo-panel.on{display:grid;animation:fade .35s}
.lo-circ{position:relative;aspect-ratio:1;max-width:380px;width:100%;justify-self:center}
.lo-ring{position:absolute;inset:-22px;border-radius:50%;border:2px dashed var(--amber)}
.lo-ph{position:absolute;inset:0;border-radius:50%;overflow:hidden;border:10px solid #fff;box-shadow:0 20px 40px rgba(11,46,34,.2);background:linear-gradient(140deg,var(--c1,#2c8566),var(--c2,#0f3d2e))}
.lo-ph::before{content:"";position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 200 140'%3E%3Ccircle cx='100' cy='52' r='24' fill='%23ffffff' opacity='.22'/%3E%3Cpath d='M40 140c6-34 30-52 60-52s54 18 60 52z' fill='%23ffffff' opacity='.22'/%3E%3C/svg%3E") center 75%/70% no-repeat}
.lo-ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block}
.lo-ph.t1{--c1:#2c8566;--c2:#0b2e22}.lo-ph.t2{--c1:#e9a23b;--c2:#b06d12}.lo-ph.t3{--c1:#3a7d6a;--c2:#165140}.lo-ph.t4{--c1:#c45c3c;--c2:#7a2f1c}.lo-ph.t5{--c1:#4f6f8f;--c2:#22384d}
.lo-tagA,.lo-tagB{position:absolute;display:inline-flex;align-items:center;gap:6px;font-weight:800;font-size:.82rem;padding:9px 14px;border-radius:999px;box-shadow:0 10px 20px rgba(0,0,0,.18);z-index:2}
.lo-tagA{top:8%;right:-6%;background:var(--pine-900);color:#fff}
.lo-tagA svg{width:14px;height:14px;color:var(--amber)}
.lo-tagB{bottom:10%;left:-8%;background:var(--amber);color:var(--pine-900)}
.lo-text h3{font-size:1.6rem}
@media(max-width:1020px){.lo-grid{grid-template-columns:1fr;gap:24px}.lo-menu{flex-direction:row;overflow-x:auto;padding-bottom:6px}.lo-menu .tab{width:auto;white-space:nowrap}.lo-panel{grid-template-columns:1fr;padding:34px 22px}.lo-circ{max-width:280px;margin:10px auto}}
@media(max-width:560px){.lo-tagA{right:-2%}.lo-tagB{left:-2%}}

/* How it works: Photo + Step Stack (option P) */
.pp-grid{display:grid;grid-template-columns:1fr 1fr;align-items:center}
.pp-photo{position:relative;height:580px;border-radius:32px;overflow:hidden;background:linear-gradient(140deg,#e9a23b,#b06d12)}
.pp-photo::before{content:"";position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 200 140'%3E%3Ccircle cx='100' cy='52' r='24' fill='%23ffffff' opacity='.25'/%3E%3Cpath d='M40 140c6-34 30-52 60-52s54 18 60 52z' fill='%23ffffff' opacity='.25'/%3E%3C/svg%3E") center 70%/60% no-repeat}
.pp-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:58% 40%}
.pp-timer{position:absolute;left:24px;bottom:24px;background:#fff;border-radius:18px;padding:14px 18px;display:flex;gap:12px;align-items:center;box-shadow:0 14px 30px rgba(0,0,0,.2)}
.pp-timer svg{width:28px;height:28px;color:var(--amber-600)}
.pp-timer b{display:block;font-family:var(--serif);font-size:1.8rem;color:var(--pine-700);line-height:1}
.pp-timer small{display:block;font-size:.76rem;color:var(--muted);font-weight:600}
.pp-intro{margin:0 0 26px 80px}
.pp-intro p{color:var(--ink-2)}
.pp-steps{list-style:none;padding:0;margin:0 0 0 -80px;display:grid;gap:14px;position:relative;z-index:2}
.pp-step{display:grid;grid-template-columns:56px 1fr;gap:16px;align-items:center;background:#fff;border-radius:20px;padding:18px 22px;box-shadow:0 14px 34px rgba(11,46,34,.12);margin:0}
.pp-step:nth-child(2){margin-left:40px}.pp-step:nth-child(3){margin-left:80px}.pp-step:nth-child(4){margin-left:120px;background:var(--pine-700)}
.pp-step:nth-child(4) h3{color:#fff}.pp-step:nth-child(4) p{color:#cfe0d6}
.pp-num{width:56px;height:56px;border-radius:16px;background:var(--moss-100);color:var(--pine-700);display:grid;place-items:center;font-family:var(--serif);font-weight:700;font-size:1.4rem}
.pp-step:nth-child(4) .pp-num{background:var(--amber);color:var(--pine-900)}
.pp-step h3{font-size:1.15rem;margin:0 0 2px}
.pp-step p{margin:0;font-size:.92rem;color:var(--ink-2)}
.pp-more{display:flex;flex-wrap:wrap;gap:16px;align-items:center;margin:26px 0 0 80px}
.pp-more a:not(.btn){font-weight:700}
@media(max-width:1020px){.pp-grid{grid-template-columns:1fr}.pp-photo{height:340px}.pp-intro{margin:28px 0 20px}.pp-steps{margin:0}.pp-step:nth-child(n){margin-left:0}.pp-more{margin-left:0}}

/* Requirements: Clipboard + Sticky Note (option Q) */
.rq-sec{background:var(--cream)}
.rq-top{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;margin-bottom:56px}
.rq-lead{color:var(--ink-2)}
.rq-sticky{background:#fde8a6;padding:26px 26px 28px;margin-top:22px;transform:rotate(2deg);box-shadow:0 18px 30px rgba(11,46,34,.15);position:relative;max-width:440px}
.rq-sticky::before{content:"";position:absolute;top:-12px;left:50%;width:90px;height:26px;background:rgba(255,255,255,.6);transform:translateX(-50%) rotate(-4deg)}
.rq-hand{font-family:"Caveat",cursive;font-size:1.65rem;line-height:1.25;color:#4a3a10;margin:0}
.rq-sticky small{display:block;margin-top:12px;font-weight:800;font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;color:#7a5d14}
.rq-clip{position:relative;background:#c79a5b;border-radius:22px;padding:40px 22px 22px;transform:rotate(-2deg);box-shadow:0 26px 50px rgba(11,46,34,.22);max-width:470px;width:100%;justify-self:center}
.rq-clip::before{content:"";position:absolute;top:-16px;left:50%;transform:translateX(-50%);width:130px;height:40px;border-radius:12px;background:linear-gradient(#7d8b85,#4f5c56);box-shadow:inset 0 -4px 0 rgba(0,0,0,.2)}
.rq-paper{background:#fff;border-radius:8px;padding:26px 24px 70px;position:relative;background-image:repeating-linear-gradient(transparent 0 35px,#eef2ef 35px 36px)}
.rq-paper h3{font-size:1.3rem;margin-bottom:12px}
.rq-paper ul{list-style:none;padding:0;margin:0}
.rq-paper li{display:flex;gap:12px;align-items:flex-start;padding:6px 0;margin:0;font-weight:600;color:var(--ink-2)}
.rq-paper li i{flex:none;width:22px;height:22px;border:2px solid var(--pine-700);border-radius:5px;display:grid;place-items:center;font-style:normal;color:var(--pine-600);font-weight:900;margin-top:3px;font-size:.8rem}
.rq-stamp{position:absolute;right:16px;bottom:14px;border:3px solid var(--pine-600);color:var(--pine-600);font-weight:900;letter-spacing:.2em;padding:6px 14px;border-radius:8px;transform:rotate(-12deg);font-size:1.1rem;opacity:.85}
.rq-h3{text-align:center;font-size:1.5rem;margin-bottom:22px}
.rq-meters{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.rq-meter{background:#fff;border-radius:20px;padding:22px;border:1px solid #ece4d0}
.rq-meter h4{font-family:var(--serif);font-size:1.12rem;color:var(--pine-900);margin:0}
.rq-bar{height:10px;border-radius:10px;background:var(--moss-100);overflow:hidden;margin:10px 0 14px}
.rq-bar i{display:block;height:100%;background:linear-gradient(90deg,var(--pine-500),var(--amber));border-radius:10px}
.rq-meter p{font-size:.9rem;color:var(--ink-2);margin:0 0 8px}
.rq-meter .rq-tip{color:var(--pine-700);font-weight:700;margin:0}
.rq-links{text-align:center;margin-top:30px}
.rq-links p{margin:18px 0 0;font-size:.92rem}
@media(max-width:1020px){.rq-top{grid-template-columns:1fr;gap:44px}.rq-meters{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.rq-meters{grid-template-columns:1fr}.rq-hand{font-size:1.45rem}}
/* Lenders evaluate: Gauge Dials (option U) */
.rq-sub{text-align:center;color:var(--ink-2);max-width:640px;margin:-10px auto 30px}
.rq-gauges{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.rq-gauge{background:#fff;border-radius:24px;padding:24px 22px;text-align:center;border:1px solid #ece4d0;box-shadow:0 10px 24px rgba(11,46,34,.06)}
.rq-g{width:150px;height:84px;display:block;margin:0 auto 8px}
.rq-gauge h4{font-family:var(--serif);font-size:1.12rem;color:var(--pine-900);margin:0}
.rq-lvl{display:inline-block;font-size:.7rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;padding:4px 10px;border-radius:999px;background:var(--moss-100);color:var(--pine-700);margin:6px 0 10px}
.rq-lvl.hi{background:var(--amber-100);color:var(--amber-600)}
.rq-gauge p{font-size:.9rem;color:var(--ink-2);margin:0}
.rq-gauge .rq-tip{margin-top:12px;padding-top:12px;border-top:1px dashed var(--line);font-weight:700;color:var(--pine-700);font-size:.88rem}
@media(max-width:1020px){.rq-gauges{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.rq-gauges{grid-template-columns:1fr}}

/* Calculator: Balance Chart (Calc 4) */
.bc{background:var(--pine-900);color:#cfe0d6;border-radius:32px;padding:34px;box-shadow:0 28px 60px rgba(11,46,34,.25)}
.bc-ctrl{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:22px;padding:22px 26px;margin-bottom:22px}
.bc-row label{display:flex;justify-content:space-between;align-items:baseline;font-weight:700;font-size:.92rem;color:#cfe0d6}
.bc-row output{font-family:var(--serif);font-size:1.2rem;color:var(--amber)}
.bc-row input[type=range]{accent-color:var(--amber);margin-top:8px}
.bc-main{display:grid;grid-template-columns:1.5fr .5fr;gap:22px}
.bc-chart{background:#fff;border-radius:22px;padding:20px 22px 12px;color:var(--ink)}
.bc-chart h3{font-family:var(--sans);font-size:.9rem;color:var(--ink-2);margin:0 0 8px;font-weight:700}
.bc-chart svg{width:100%;height:auto;display:block}
.bc-stats{display:grid;gap:14px}
.bc-stats div{background:rgba(255,255,255,.06);border-radius:18px;padding:16px 20px}
.bc-stats small{display:block;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;font-weight:800;color:#8fb1a1}
.bc-stats b{font-family:var(--serif);font-size:1.75rem;color:#fff;line-height:1.2}
.bc-stats div.k{background:var(--amber)}.bc-stats div.k small{color:#5a4310}.bc-stats div.k b{color:var(--pine-900)}
.bc-note{font-size:.84rem;color:#8fb1a1;margin:18px 0 0;text-align:center}
.bc-cta{text-align:center;margin:18px 0 0}
@media(max-width:900px){.bc{padding:22px 18px;border-radius:24px}.bc-ctrl,.bc-main{grid-template-columns:1fr}}

/* Loan amounts: Hang Tags */
.ht-tags{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;padding-top:44px}
.ht-tag{position:relative;background:#fff;border-radius:18px 18px 22px 22px;padding:46px 22px 24px;box-shadow:0 18px 36px rgba(11,46,34,.12);text-align:center;transform-origin:top center;transition:transform .3s}
.ht-tag:nth-child(odd){transform:rotate(-3deg)}.ht-tag:nth-child(even){transform:rotate(2.5deg)}
.ht-tag:hover{transform:rotate(0) translateY(-4px)}
.ht-tag::before{content:"";position:absolute;top:14px;left:50%;width:16px;height:16px;margin-left:-8px;border-radius:50%;background:var(--cream);box-shadow:inset 0 2px 3px rgba(0,0,0,.2)}
.ht-tag::after{content:"";position:absolute;top:-44px;left:50%;width:2px;height:62px;background:#b49465;transform:rotate(8deg)}
.ht-amt{font-family:var(--serif);font-weight:700;font-size:2.2rem;line-height:1;color:var(--pine-900)}
.ht-for{display:inline-block;margin:10px 0 14px;font-size:.74rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;padding:5px 12px;border-radius:999px;background:var(--moss-100);color:var(--pine-700)}
.ht-pay{font-family:var(--serif);font-size:1.6rem;color:var(--pine-700);margin:0 0 12px}
.ht-pay small{font-size:.8rem}
.ht-tag dl{display:grid;grid-template-columns:1fr auto;gap:6px 10px;text-align:left;font-size:.88rem;margin:0}
.ht-tag dt{color:var(--muted)}.ht-tag dd{margin:0;font-weight:700;color:var(--pine-900);text-align:right}
.ht-more{display:block;margin-top:14px;font-weight:800;color:var(--pine-600);font-size:.9rem;text-decoration:none}
.ht-tag.pop{background:var(--pine-800)}.ht-tag.pop .ht-amt{color:var(--amber)}.ht-tag.pop .ht-for{background:var(--amber);color:var(--pine-900)}
.ht-tag.pop dt{color:#8fb1a1}.ht-tag.pop dd{color:#fff}.ht-tag.pop .ht-pay{color:var(--amber)}.ht-tag.pop .ht-more{color:var(--amber)}
@media(max-width:1020px){.ht-tags{grid-template-columns:1fr 1fr;row-gap:64px}}
@media(max-width:560px){.ht-tags{grid-template-columns:1fr}}

/* Rates & fees: Itemized Receipt */
.rc-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.rc-lead{color:var(--ink-2)}
.rc-tips{display:grid;gap:12px;margin:20px 0 26px}
.rc-tips div{display:flex;gap:12px;align-items:flex-start;background:var(--moss-50);border-radius:14px;padding:12px 16px;font-size:.94rem}
.rc-tips p{margin:0;color:var(--ink-2)}.rc-tips b{color:var(--pine-700)}
.rc-acts{display:flex;flex-wrap:wrap;gap:12px;margin:0}
.rc-receipt{position:relative;background:#fff;max-width:440px;width:100%;justify-self:center;padding:34px 30px 72px;font-family:ui-monospace,"SFMono-Regular",Menlo,Consolas,monospace;font-size:.88rem;color:var(--ink);box-shadow:0 26px 50px rgba(11,46,34,.18);transform:rotate(1.5deg)}
.rc-receipt::before,.rc-receipt::after{content:"";position:absolute;left:0;right:0;height:14px;background:radial-gradient(circle at 7px 0,transparent 7px,#fff 7.5px) 0 0/14px 14px repeat-x}
.rc-receipt::before{top:-13px;transform:rotate(180deg)}.rc-receipt::after{bottom:-13px}
.rc-top{text-align:center;border-bottom:2px dashed #cfd8d3;padding-bottom:14px;margin-bottom:12px;letter-spacing:.08em}
.rc-top b{font-family:var(--serif);font-size:1.3rem;display:block;letter-spacing:0}
.rc-ln{display:flex;justify-content:space-between;gap:12px;padding:8px 0}
.rc-ln small{display:block;color:var(--muted);font-size:.74rem;font-family:var(--sans)}
.rc-free{color:var(--pine-600);font-weight:700}
.rc-tot{border-top:2px dashed #cfd8d3;margin-top:10px;padding-top:12px;font-weight:700;font-size:.98rem}.rc-tot span:last-child{white-space:nowrap}
.rc-stamp{position:absolute;right:22px;bottom:14px;border:3px solid var(--pine-600);color:var(--pine-600);font-family:var(--sans);font-weight:900;letter-spacing:.14em;padding:6px 12px;border-radius:8px;transform:rotate(-12deg);font-size:.9rem;opacity:.85}
@media(max-width:1020px){.rc-grid{grid-template-columns:1fr;gap:44px}.rc-receipt{transform:none}}
@media(max-width:480px){.rc-receipt{padding:28px 20px 70px;font-size:.82rem}}

/* Reviews: editorial rating cards */
.er-overall{display:flex;flex-wrap:wrap;align-items:flex-end;gap:6px 16px;margin-bottom:22px}
.er-overall>b{font-family:var(--serif);font-size:3.4rem;line-height:.9;color:var(--pine-900)}
.er-overall>span{font-weight:700;color:var(--muted);margin-left:-12px}
.er-overall small{display:block;font-size:.84rem;color:var(--muted)}
.er-ext{margin-left:auto;display:flex;gap:10px}
.er-ext a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px;font-size:.85rem;text-decoration:none;color:var(--ink-2)}
.er-ext b{color:var(--pine-700)}
.er-stars{color:var(--amber);letter-spacing:2px;font-size:1rem}.er-stars i{font-style:normal;color:#e4dccb}
.er-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.er-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:24px 26px;box-shadow:0 12px 28px rgba(11,46,34,.07);display:flex;flex-direction:column}
.er-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.er-score{background:var(--cream);border-radius:999px;padding:3px 10px;font-weight:800;font-size:.82rem;color:var(--pine-900)}
.er-card h3{font-family:var(--sans);font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--pine-600);margin:0 0 8px}
.er-q{font-style:italic;color:var(--ink);font-size:1.02rem;line-height:1.6;margin:0 0 20px}
.er-by{display:flex;gap:12px;align-items:center;margin-top:auto}
.er-av{flex:none;width:42px;height:42px;border-radius:50%;display:grid;place-items:center;color:#fff;font-weight:800;font-size:.85rem}
.er-av.t1{background:var(--amber)}.er-av.t2{background:var(--pine-500)}.er-av.t3{background:var(--pine-700)}.er-av.t4{background:#b4442f}
.er-by b{display:block;color:var(--pine-900)}
.er-by small{display:block;color:var(--muted);font-size:.8rem}
@media(max-width:1020px){.er-grid{grid-template-columns:1fr 1fr}.er-ext{margin-left:0;width:100%}}
@media(max-width:600px){.er-grid{grid-template-columns:1fr}}

/* Legit: Shield + Comparison Table */
.lg-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:46px;align-items:center}
.lg-shield{background:#fff;border-radius:30px;padding:34px;text-align:center;box-shadow:0 20px 44px rgba(11,46,34,.12)}
.lg-sh{width:120px;height:140px;margin:0 auto 16px;background:var(--pine-700);clip-path:polygon(50% 0,100% 15%,100% 55%,50% 100%,0 55%,0 15%);display:grid;place-items:center;color:var(--amber)}
.lg-sh svg{width:52px;height:52px}
.lg-shield h3{font-size:1.35rem}
.lg-shield>p{color:var(--ink-2);font-size:.94rem;margin:0}
.lg-steps{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:12px;counter-reset:s;text-align:left}
.lg-steps li{counter-increment:s;display:flex;gap:12px;align-items:flex-start;font-size:.94rem;margin:0}
.lg-steps li::before{content:counter(s);flex:none;width:28px;height:28px;border-radius:50%;background:var(--amber);color:var(--pine-900);font-weight:900;display:grid;place-items:center;font-size:.85rem}
.lg-cmp{background:#fff;border-radius:26px;overflow:hidden;border:1px solid var(--line)}
.lg-row{display:grid;grid-template-columns:140px 1fr 1fr;border-bottom:1px solid var(--line)}
.lg-row:last-child{border:0}
.lg-row>div{padding:16px 18px;font-size:.93rem}
.lg-row>div:first-child{font-weight:800;color:var(--muted);font-size:.76rem;letter-spacing:.1em;text-transform:uppercase}
.lg-row>div:nth-child(2){background:#f6faf7}
.lg-hd>div{font-weight:800!important;color:var(--pine-900)!important;font-size:.95rem!important;letter-spacing:0!important;text-transform:none!important}
.lg-row.lg-hd>div:nth-child(2){background:var(--pine-800);color:#fff!important}
.lg-row.lg-hd>div:nth-child(3){background:var(--moss-100)}
.lg-ok{color:var(--pine-600);font-weight:800}
@media(max-width:1020px){.lg-grid{grid-template-columns:1fr}}
@media(max-width:640px){.lg-row{grid-template-columns:1fr 1fr}.lg-row>div:first-child{grid-column:1/-1;padding-bottom:0}.lg-hd>div:first-child{display:none}.lg-row>div{overflow-wrap:break-word;font-size:.88rem}}

/* Alternatives: Dark Split + Tiles */
.al-sec{background:var(--pine-900);color:#cfe0d6}
.al-sec h2{color:#fff}.al-sec .eyebrow{color:var(--amber)}
.al-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:50px;align-items:center}
.al-quote{font-family:var(--serif);font-size:1.6rem;color:var(--amber);line-height:1.3;border-left:4px solid var(--amber);padding:0 0 0 18px;margin:0 0 22px}
.al-lead{color:#a9c3b5;margin-bottom:18px}
.al-link{color:var(--amber);font-weight:700}
.al-tiles{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.al-tile{background:#fff;color:var(--ink);border-radius:22px;padding:22px;position:relative}
.al-tile h3{font-size:1.15rem;margin:0 0 4px}
.al-badge{position:absolute;top:18px;right:18px;font-size:.68rem;font-weight:900;letter-spacing:.1em;text-transform:uppercase;padding:4px 10px;border-radius:999px;background:var(--moss-100);color:var(--pine-700)}
.al-ico{font-size:1.6rem;margin-bottom:8px}
.al-row{display:flex;justify-content:space-between;gap:10px;font-size:.9rem;padding-top:8px;border-top:1px dashed var(--line);margin-top:8px}
.al-row span{color:var(--muted)}.al-row b{color:var(--pine-900);text-align:right}
.al-tile.us{background:var(--amber)}.al-tile.us .al-badge{background:var(--pine-900);color:var(--amber)}.al-tile.us .al-row{border-color:rgba(11,46,34,.2)}.al-tile.us .al-row span{color:#5a4310}
@media(max-width:1020px){.al-grid{grid-template-columns:1fr}}
@media(max-width:560px){.al-tiles{grid-template-columns:1fr}}

/* Blog: Magazine Overlay with images */
.mg-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.mg-card{position:relative;border-radius:26px;overflow:hidden;min-height:520px;background:var(--pine-900);display:flex;align-items:flex-end;color:#fff;text-decoration:none;box-shadow:0 18px 40px rgba(11,46,34,.14)}
.mg-card img{position:absolute;left:0;right:0;top:0;width:100%;height:68%;object-fit:cover;object-position:center 30%;transition:transform .5s}
.mg-card:hover img{transform:scale(1.05)}
.mg-card::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(11,46,34,0) 42%,rgba(11,46,34,.92) 62%,#0b2e22 72%)}
.mg-bd{position:relative;z-index:2;padding:26px}
.mg-cat{display:inline-block;font-size:.7rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;padding:4px 10px;border-radius:999px;background:var(--amber);color:var(--pine-900)}
.mg-card h3{color:#fff;font-size:1.35rem;margin:10px 0 6px}
.mg-card p{color:#cfe0d6;font-size:.92rem;margin:0}
.mg-rd{display:inline-block;margin-top:12px;font-weight:800;color:var(--amber)}
.mg-card:hover{color:#fff}
@media(max-width:900px){.mg-grid{grid-template-columns:1fr}.mg-card{min-height:440px}}

/* CTA band: centered layout */
.cta-band{grid-template-columns:1fr;justify-items:center;text-align:center;gap:22px;padding:52px 48px}
.cta-band p{max-width:640px;margin:0 auto}

/* Footer 1: gold CTA strip + compact legal */
.site-footer{padding:0 0 26px}
.ft-cta{background:var(--amber);color:var(--pine-900);margin-bottom:54px}
.ft-cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap;padding-top:26px;padding-bottom:26px}
.ft-cta b{font-family:var(--serif);font-size:1.5rem;font-weight:600}
.ft-cta .btn{background:var(--pine-900);color:var(--amber)!important;text-decoration:none!important}
.ft-cta .btn:hover{background:#000}
.ft-tag{margin-top:14px;max-width:290px}
.site-footer .legal{margin-top:36px;padding-top:22px;font-size:.8rem}
.site-footer .legal p{margin:0 0 6px}
.site-footer .legal strong{color:#e7f0ea}
.site-footer .legal a{color:var(--amber)}
.site-footer .copy{border-top:1px solid rgba(255,255,255,.1);padding-top:16px}
@media(max-width:720px){.ft-cta .wrap{justify-content:center;text-align:center}.ft-cta b{font-size:1.25rem}}
@media(max-width:720px){.foot-grid{grid-template-columns:1fr 1fr;gap:28px 20px}.foot-grid>div:first-child{grid-column:1/-1}.ft-cta{margin-bottom:40px}}

/* Logo 3: Pine Ridge Emblem (no USA) */
.brand{gap:12px}
.brand svg{width:54px;height:34px}
.brand-txt{display:flex;flex-direction:column;align-items:center;line-height:1}
.brand-txt b{font-family:var(--serif);font-weight:700;font-size:1.18rem;letter-spacing:.16em;text-transform:uppercase;color:#fff}
.brand-txt small{display:flex;align-items:center;gap:7px;margin-top:5px;font-family:var(--sans);font-size:.6rem;font-weight:800;letter-spacing:.38em;text-transform:uppercase;color:var(--amber)}
.brand-txt small::before,.brand-txt small::after{content:"";width:16px;height:1.5px;background:currentColor;opacity:.6}

/* ===== Inner pages: centered hero + decoration ===== */
.page-hero{position:relative;overflow:hidden;text-align:center;padding:56px 0 130px;background:radial-gradient(900px 400px at 50% -10%,#1f6a52 0%,transparent 65%),linear-gradient(160deg,var(--pine-900),var(--pine-800))}
.page-hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.06) 1px,transparent 1.5px);background-size:26px 26px;pointer-events:none}
.page-hero::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:70px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 70' preserveAspectRatio='none'%3E%3Cpath fill='%23ffffff' d='M0 70V40l60-24 50 20 80-30 60 26 70-18 90 30 70-34 80 28 60-14 90 24 70-30 80 26 60-20 90 32 70-26 80 22 60-16 90 28 70-22 80 20 v40z'/%3E%3C/svg%3E") bottom/100% 100% no-repeat}
.page-hero .wrap{position:relative;z-index:1;display:flex;flex-direction:column;align-items:center}
.page-hero h1,.page-hero .lead{margin-left:auto;margin-right:auto}
.page-hero .lead{max-width:720px}
.crumbs ol{justify-content:center}
.crumbs{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:999px;padding:6px 16px}
.ph-badge{display:grid;place-items:center;width:78px;height:54px;margin:4px 0 14px;border-radius:16px;background:rgba(255,255,255,.06);border:1px solid rgba(233,162,59,.35)}
.ph-badge svg{width:52px;height:32px}
.hero-art{position:relative;z-index:2;margin-top:-104px;max-width:980px}
.hero-art img{width:100%;height:auto;display:block;border-radius:26px;box-shadow:0 26px 60px rgba(11,46,34,.28);border:6px solid #fff}
.hero-art+.wrap .article-grid{padding-top:44px}
.hero-art+section.section-sm,.hero-art+section.section{padding-top:44px}

/* article typography */
.prose h2{position:relative;padding-top:14px}
.prose h2::before{content:"";position:absolute;top:0;left:0;width:46px;height:4px;border-radius:4px;background:var(--amber)}
.prose .keybox h2::before,.prose .sources h2::before,.prose .related h2::before{display:none}
.prose h3{color:var(--pine-700)}
.prose ul:not(.checklist):not(.xlist) li::marker{color:var(--amber-600)}
.prose ol li::marker{color:var(--pine-600);font-weight:800}
.byline{border:0;background:var(--moss-50);border-radius:999px;padding:10px 18px}
.keybox{position:relative;background:linear-gradient(135deg,var(--moss-50),#fff);border:1px solid var(--line);border-left:6px solid var(--pine-600);border-radius:18px;box-shadow:0 10px 24px rgba(11,46,34,.06)}
.keybox ul{list-style:none;padding:0}
.keybox li{position:relative;padding-left:28px}
.keybox li::before{content:"✓";position:absolute;left:0;top:1px;width:19px;height:19px;border-radius:50%;background:var(--pine-600);color:#fff;font-size:.68rem;display:grid;place-items:center;font-weight:800}
.prose .table-wrap{box-shadow:0 10px 24px rgba(11,46,34,.06)}
.prose table tr:nth-child(even) td{background:#fafcfb}
.prose blockquote{border-left-color:var(--amber);background:var(--amber-100)}
.expert{box-shadow:0 10px 24px rgba(233,162,59,.12)}
.prose .card{border-radius:20px;transition:transform .15s,box-shadow .15s}
.prose .card:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(11,46,34,.1)}
.sources{background:var(--moss-50);border-radius:18px;padding:20px 24px;border-top:0}
.rel-card{padding:0;overflow:hidden}
.rel-card .rel-img{width:100%;height:auto;display:block;aspect-ratio:1200/560}
.rel-card h3,.rel-card p,.rel-card .more{padding:0 20px}
.rel-card h3{margin-top:16px}.rel-card .more{padding-bottom:20px}
/* sidebar */
.aside-inner{position:sticky;top:20px}
.aside .card{border-radius:20px}
.aside-cta{background:linear-gradient(160deg,var(--pine-700),var(--pine-900))!important;position:relative;overflow:hidden}
.aside-cta::after{content:"";position:absolute;right:-30px;bottom:-30px;width:120px;height:120px;border-radius:50%;background:var(--amber);opacity:.15}
.aside li a::before{content:"→ ";color:var(--amber-600)}
/* blog index + generic cards */
.post-card{padding:0;overflow:hidden}
.post-card .post-img{width:100%;height:auto;display:block;aspect-ratio:1200/560;transition:transform .4s}
.post-card:hover .post-img{transform:scale(1.04)}
.post-card .meta,.post-card h3,.post-card p,.post-card .more{padding:0 22px}
.post-card .meta{margin-top:18px}.post-card .more{padding-bottom:22px}
/* simple (legal/company) pages */
.wrap.narrow.prose{background:#fff;border:1px solid var(--line);border-radius:26px;padding:40px 44px;box-shadow:0 14px 34px rgba(11,46,34,.06)}
@media(max-width:720px){.wrap.narrow.prose{padding:26px 20px;border-radius:18px;margin:0 12px;width:auto}.page-hero{padding:40px 0 100px}.hero-art{margin-top:-80px}.hero-art img{border-width:4px;border-radius:18px}}
/* FAQ page group headings */
.faq details{transition:box-shadow .15s}.faq details[open]{box-shadow:0 12px 26px rgba(11,46,34,.08);border-color:#cfe0d6}
.prose{min-width:0}
@media(max-width:1020px){.article-grid{grid-template-columns:minmax(0,1fr)}}