/* Lending Buddy — lendingsbuddy.com */
:root{
 --ink:#0E2A2B; --forest:#12443F; --teal:#1F7A6C; --mint:#E6F2EC; --mint2:#D3EADF;
 --cream:#FBF7F0; --paper:#FFFFFF; --sun:#F5B841; --sun-d:#E0A124; --coral:#EE6C4D;
 --text:#1D2B2A; --muted:#5A6B68; --line:#E3E8E4; --on-dark:#E8F1EE; --on-dark-muted:#A9C2BC;
 --r:18px; --r-sm:12px; --shadow:0 12px 40px -18px rgba(14,42,43,.35);
 --h:"Bricolage Grotesque",Georgia,serif; --b:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--b);font-size:17px;line-height:1.7;color:var(--text);background:var(--cream);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--teal);text-underline-offset:3px}
a:hover{color:var(--ink)}
h1,h2,h3,h4{font-family:var(--h);line-height:1.15;color:var(--ink);letter-spacing:-.01em;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,4.6vw,3.5rem);font-weight:800}
h2{font-size:clamp(1.6rem,3vw,2.35rem);font-weight:700}
h3{font-size:1.25rem;font-weight:700}
p{margin:0 0 1em}
.wrap{width:min(1180px,100% - 32px);margin-inline:auto}
.skip{position:absolute;left:-999px;top:0;background:var(--sun);padding:8px 14px;z-index:99}
.skip:focus{left:8px}
.ico{flex:none}
.tiny{font-size:.78rem;color:var(--muted);margin:.6em 0 0}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--b);font-weight:700;font-size:.98rem;padding:12px 22px;border-radius:999px;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-sun{background:var(--sun);color:var(--ink)}
.btn-sun:hover{background:var(--sun-d);color:var(--ink)}
.btn-ghost{border-color:currentColor;color:inherit;background:transparent}
.btn-lg{padding:16px 34px;font-size:1.08rem}

/* header (not sticky) */
.topbar{background:var(--ink);color:var(--on-dark-muted);font-size:.82rem;padding:7px 0;text-align:center}
.topbar a{color:var(--sun)}
.site-header{background:var(--paper);border-bottom:1px solid var(--line);position:relative;z-index:20}
.nav-row{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:74px}
.logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none}
.logo-word{font-family:var(--h);font-size:1.45rem;font-weight:700;color:var(--ink);letter-spacing:-.02em}
.logo-word b{font-weight:800;color:var(--teal)}
.main-nav{display:flex;align-items:center;gap:6px}
.main-nav>a,.drop-btn{font:600 .95rem var(--b);color:var(--text);text-decoration:none;padding:10px 12px;border-radius:10px;background:none;border:0;cursor:pointer;display:inline-flex;align-items:center;gap:6px}
.main-nav>a:hover,.drop-btn:hover,.main-nav>a.active{background:var(--mint);color:var(--ink)}
.main-nav .nav-cta{margin-left:8px;padding:11px 22px}
.main-nav .nav-cta:hover{background:var(--sun-d)}
.has-drop{position:relative}
.drop{position:absolute;top:calc(100% + 6px);left:0;min-width:270px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-sm);box-shadow:var(--shadow);padding:8px;display:none}
.has-drop:hover .drop,.has-drop.open .drop{display:block}
.has-drop::after{content:"";position:absolute;left:0;right:0;top:100%;height:8px}
.drop a{display:flex;align-items:center;gap:10px;padding:9px 12px;border-radius:9px;color:var(--text);text-decoration:none;font-weight:500;font-size:.95rem}
.drop a:hover{background:var(--mint)}
.drop .ico{color:var(--teal)}
.nav-toggle{display:none;background:none;border:0;padding:10px;cursor:pointer}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--ink);margin:5px 0;border-radius:2px}
@media (max-width:980px){
 .nav-toggle{display:block}
 .main-nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--paper);flex-direction:column;align-items:stretch;padding:12px 16px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
 .main-nav.open{display:flex}
 .drop{position:static;box-shadow:none;border:0;padding:0 0 0 8px;display:none}
 .has-drop:hover .drop{display:none}
 .has-drop.open .drop{display:block}
 .main-nav .nav-cta{margin:10px 0 0}
}

/* sections */
.sec{padding:88px 0}
.sec-dark{background:var(--ink);color:var(--on-dark)}
.sec-dark h2,.sec-dark h3{color:#fff}
.sec-dark a{color:var(--sun)}
.sec-mint{background:var(--mint)}
.sec-paper{background:var(--paper)}
.sec-head{max-width:760px;margin:0 auto 48px;text-align:center}
.sec-head p{color:var(--muted);font-size:1.08rem}
.sec-dark .sec-head p{color:var(--on-dark-muted)}
.eyebrow{display:inline-block;font:700 .78rem var(--b);letter-spacing:.14em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}
.sec-dark .eyebrow{color:var(--sun)}

/* HERO */
.hero{background:radial-gradient(1200px 600px at 85% 10%,rgba(31,122,108,.55),transparent 60%),radial-gradient(700px 500px at 0% 100%,rgba(245,184,65,.16),transparent 60%),var(--ink);color:var(--on-dark);padding:72px 0 88px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;right:-140px;top:-140px;width:460px;height:460px;border-radius:50%;border:2px dashed rgba(245,184,65,.25)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;position:relative}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--sun)}
.hero .lede{font-size:1.18rem;color:var(--on-dark-muted);max-width:560px}
.hero-points{list-style:none;padding:0;margin:26px 0 30px;display:grid;gap:12px}
.hero-points li{display:flex;gap:12px;align-items:center;font-weight:500}
.hero-points .ico{color:var(--ink);background:var(--sun);border-radius:50%;padding:4px;width:26px;height:26px}
.hero-stats{display:flex;gap:28px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.14);padding-top:22px}
.hero-stats div{display:flex;flex-direction:column}
.hero-stats strong{font-family:var(--h);font-size:1.6rem;color:#fff}
.hero-stats span{font-size:.85rem;color:var(--on-dark-muted)}
.apply-panel{background:var(--paper);color:var(--text);border-radius:26px;padding:34px 30px 28px;box-shadow:0 30px 80px -30px rgba(0,0,0,.6);position:relative;scroll-margin-top:20px}
.apply-panel::before{content:"";position:absolute;inset:-10px;border-radius:32px;border:2px solid rgba(245,184,65,.5);pointer-events:none}
.apply-panel h2{font-size:1.65rem;margin-bottom:.25em}
.apply-panel .sub{color:var(--muted);font-size:.95rem}
.form-slot{min-height:340px;border:2px dashed var(--mint2);border-radius:16px;background:linear-gradient(180deg,#fbfdfc,#f1f8f4);padding:22px;display:flex;flex-direction:column;gap:14px}
.fs-step{display:flex;gap:14px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px}
.fs-step b{width:32px;height:32px;border-radius:50%;background:var(--ink);color:var(--sun);display:grid;place-items:center;font-family:var(--h);flex:none}
.fs-step span{font-weight:600}
.fs-step small{display:block;font-weight:400;color:var(--muted)}
.amount-chips{display:flex;flex-wrap:wrap;gap:8px}
.amount-chips a{padding:8px 14px;border-radius:999px;background:var(--mint);color:var(--ink);font-weight:600;text-decoration:none;font-size:.92rem}
.amount-chips a:hover{background:var(--sun)}
.secure-row{display:flex;gap:16px;flex-wrap:wrap;justify-content:center;margin-top:16px;font-size:.8rem;color:var(--muted)}
.secure-row span{display:inline-flex;align-items:center;gap:6px}
.secure-row .ico{color:var(--teal)}
@media (max-width:980px){.hero-grid{grid-template-columns:1fr}.hero{padding:48px 0 64px}}

/* services */
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.svc-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:30px 26px;text-decoration:none;color:var(--text);display:flex;flex-direction:column;gap:10px;position:relative;transition:transform .2s,box-shadow .2s}
.svc-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);color:var(--text)}
.svc-card .num{position:absolute;right:22px;top:20px;font-family:var(--h);font-size:2.4rem;font-weight:800;color:var(--mint2)}
.svc-ico{width:56px;height:56px;border-radius:16px;display:grid;place-items:center;background:var(--ink);color:var(--sun)}
.svc-card h3{margin:.4em 0 0}
.svc-card p{color:var(--muted);margin:0}
.svc-card .more{margin-top:auto;font-weight:700;color:var(--teal)}
.svc-card.feature{background:var(--ink);color:var(--on-dark);border-color:var(--ink)}
.svc-card.feature h3{color:#fff}.svc-card.feature p{color:var(--on-dark-muted)}
.svc-card.feature .svc-ico{background:var(--sun);color:var(--ink)}.svc-card.feature .num{color:rgba(255,255,255,.1)}.svc-card.feature .more{color:var(--sun)}
@media (max-width:900px){.svc-grid{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.svc-grid{grid-template-columns:1fr}}

/* calculator */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:0;border-radius:24px;overflow:hidden;box-shadow:0 30px 80px -40px rgba(0,0,0,.7)}
.calc-in{background:#143837;padding:36px}
.calc-out{background:var(--sun);color:var(--ink);padding:36px;display:flex;flex-direction:column;justify-content:center}
.calc label{display:flex;justify-content:space-between;font-weight:600;margin-bottom:6px;color:#fff}
.calc label output{font-family:var(--h);color:var(--sun);font-size:1.2rem}
.calc input[type=range]{width:100%;accent-color:var(--sun);margin-bottom:22px}
.calc-out .big{font-family:var(--h);font-size:3.2rem;font-weight:800;line-height:1}
.calc-out dl{display:grid;grid-template-columns:1fr auto;gap:6px 16px;margin:22px 0;font-size:.98rem}
.calc-out dt{opacity:.8}.calc-out dd{margin:0;font-weight:700;text-align:right}
.calc-out .btn{background:var(--ink);color:#fff}
.calc-out .tiny{color:rgba(14,42,43,.75)}
.calc-note{font-size:.85rem;color:var(--on-dark-muted);margin-top:18px}
.page-calc .calc-in{background:var(--ink)}
@media (max-width:860px){.calc{grid-template-columns:1fr}}

/* content blocks */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split.top{align-items:start}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:32px}}
.info-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:30px}
.sec-dark .info-card{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12)}
.ticks{list-style:none;padding:0;margin:0 0 1em;display:grid;gap:10px}
.ticks li{display:flex;gap:10px;align-items:flex-start}
.ticks li .ico{color:var(--teal);margin-top:4px}
.sec-dark .ticks li .ico{color:var(--sun)}
.steps-row{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
.step-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:28px 22px;position:relative}
.step-card::before{counter-increment:s;content:counter(s,decimal-leading-zero);font-family:var(--h);font-size:2.6rem;font-weight:800;color:var(--sun);display:block;line-height:1;margin-bottom:14px}
.step-card p{color:var(--on-dark-muted);margin:0;font-size:.97rem}
@media (max-width:900px){.steps-row{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.steps-row{grid-template-columns:1fr}}
.stat-badges{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.badge{background:var(--paper);border-radius:var(--r-sm);padding:20px;border:1px solid var(--line)}
.badge strong{display:block;font-family:var(--h);font-size:1.7rem;color:var(--ink)}
.badge span{color:var(--muted);font-size:.92rem}
.visual-card{background:var(--ink);border-radius:26px;padding:34px;color:var(--on-dark);position:relative;overflow:hidden}
.visual-card::after{content:"";position:absolute;width:260px;height:260px;border-radius:50%;background:rgba(245,184,65,.18);right:-80px;bottom:-80px}
.visual-card h3{color:#fff}
.rate-table{width:100%;border-collapse:collapse;font-size:.95rem}
.rate-table th,.rate-table td{padding:12px 10px;border-bottom:1px solid var(--line);text-align:left}
.rate-table th{font-family:var(--h);color:var(--ink)}
.tips-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.tip-card{background:var(--paper);border-radius:var(--r);padding:28px;border-top:5px solid var(--sun);box-shadow:0 2px 0 var(--line)}
.tip-card h3{font-size:1.12rem}
.tip-card p{color:var(--muted);margin:0;font-size:.97rem}
@media (max-width:900px){.tips-grid{grid-template-columns:1fr}}
.home-band{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:28px}
.home-band div{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:14px;padding:18px}
.home-band strong{display:block;color:#fff;font-family:var(--h)}
.home-band span{font-size:.9rem;color:var(--on-dark-muted)}
@media (max-width:900px){.home-band{grid-template-columns:1fr 1fr}}

/* reviews */
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.rev-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:28px;display:flex;flex-direction:column;gap:12px}
.rev-card .stars{color:var(--sun);display:flex;gap:2px}
.rev-card .stars svg{fill:var(--sun)}
.rev-card blockquote{margin:0;font-size:1rem}
.rev-card footer{margin-top:auto;display:flex;gap:12px;align-items:center;font-size:.9rem}
.rev-card .av{width:42px;height:42px;border-radius:50%;background:var(--mint);color:var(--ink);font-family:var(--h);font-weight:800;display:grid;place-items:center}
.rev-card footer span{color:var(--muted);display:block}
.rev-note{text-align:center;font-size:.85rem;color:var(--muted);margin-top:22px}
@media (max-width:900px){.rev-grid{grid-template-columns:1fr}}

/* blog cards */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.post-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;text-decoration:none;color:var(--text);transition:transform .2s,box-shadow .2s}
.post-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);color:var(--text)}
.post-thumb{height:140px;background:var(--ink);position:relative;display:flex;align-items:flex-end;padding:16px}
.post-thumb::before{content:"";position:absolute;width:150px;height:150px;border-radius:50%;background:var(--teal);right:-30px;top:-50px;opacity:.8}
.post-thumb::after{content:"";position:absolute;width:90px;height:90px;border-radius:50%;background:var(--sun);right:60px;top:30px;opacity:.85;mix-blend-mode:screen}
.post-thumb .cat{position:relative;z-index:1;background:#fff;color:var(--ink);font-size:.75rem;font-weight:700;padding:4px 10px;border-radius:999px;letter-spacing:.04em;text-transform:uppercase}
.post-card .pc-body{padding:22px;display:flex;flex-direction:column;gap:8px;flex:1}
.post-card h3{font-size:1.15rem;margin:0}
.post-card p{color:var(--muted);font-size:.95rem;margin:0}
.post-card .meta{margin-top:auto;font-size:.82rem;color:var(--muted)}
.post-card:nth-child(3n+2) .post-thumb{background:var(--teal)}
.post-card:nth-child(3n+2) .post-thumb::before{background:var(--ink)}
.post-card:nth-child(3n+3) .post-thumb{background:#2B5A55}
@media (max-width:900px){.post-grid{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.post-grid{grid-template-columns:1fr}}

/* FAQ */
.faq-wrap{max-width:860px;margin:0 auto}
.faq{background:var(--paper);border:1px solid var(--line);border-radius:14px;margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;font-weight:700;padding:18px 30px 18px 0;list-style:none;position:relative;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.6rem;color:var(--teal);font-weight:400}
.faq[open] summary::after{content:"–"}
.faq p{color:var(--muted);padding-bottom:18px;margin:0}
article .faq-wrap,.content .faq-wrap{margin-top:48px}

/* CTA band */
.cta-band{background:var(--sun);padding:70px 0;text-align:center}
.cta-band h2{max-width:760px;margin:0 auto .4em}
.cta-band p{max-width:620px;margin:0 auto 1.4em;color:#3a3216}
.cta-band .btn-sun{background:var(--ink);color:#fff}
.cta-band .btn-sun:hover{background:var(--forest)}

/* inner pages */
.page-hero{background:linear-gradient(135deg,var(--mint) 0%,#F3EEDF 100%);padding:58px 0 62px;text-align:center;position:relative;overflow:hidden}
.page-hero::before,.page-hero::after{content:"";position:absolute;border-radius:50%}
.page-hero::before{width:320px;height:320px;background:rgba(31,122,108,.12);left:-100px;bottom:-160px}
.page-hero::after{width:220px;height:220px;background:rgba(245,184,65,.22);right:-60px;top:-80px}
.page-hero .wrap{position:relative;z-index:1;max-width:860px}
.page-hero .lede{font-size:1.15rem;color:var(--muted);margin:0 auto}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:18px}
.crumbs a{color:var(--teal);text-decoration:none}
.crumbs span{margin:0 4px}
.kicker{font:700 .8rem var(--b);letter-spacing:.14em;text-transform:uppercase;color:var(--teal);margin-bottom:10px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;padding:56px 0 80px;align-items:start}
.layout.single{grid-template-columns:minmax(0,820px);justify-content:center}
@media (max-width:980px){.layout{grid-template-columns:1fr}}
.content{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:44px 48px}
@media (max-width:640px){.content{padding:28px 20px}}
.content h2{margin-top:1.6em;scroll-margin-top:16px}
.content h2:first-child{margin-top:0}
.content h3{margin-top:1.3em}
.content ul,.content ol{padding-left:1.3em}
.content li{margin-bottom:.4em}
.content ol.steps{list-style:none;padding:0;counter-reset:st}
.content ol.steps li{position:relative;padding:4px 0 14px 52px;counter-increment:st}
.content ol.steps li::before{content:counter(st);position:absolute;left:0;top:2px;width:36px;height:36px;border-radius:50%;background:var(--ink);color:var(--sun);font-family:var(--h);font-weight:800;display:grid;place-items:center}
.data-table{width:100%;border-collapse:collapse;margin:1.2em 0 1.6em;font-size:.95rem;display:block;overflow-x:auto}
.data-table th{background:var(--ink);color:#fff;text-align:left;padding:12px 14px;font-weight:600}
.data-table td{padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.data-table tbody tr:nth-child(even){background:#F7FAF8}
.callout{border-radius:14px;padding:18px 20px;margin:1.4em 0;font-size:.98rem}
.callout.tip{background:var(--mint);border-left:5px solid var(--teal)}
.callout.warn{background:#FFF4E0;border-left:5px solid var(--sun-d)}
.byline{display:flex;gap:12px;align-items:center;background:var(--mint);border-radius:14px;padding:14px 18px;margin-bottom:30px;font-size:.9rem}
.byline .ico{color:var(--teal)}
.byline strong{display:block}
.byline span{color:var(--muted)}
.takeaways{background:var(--ink);color:var(--on-dark);border-radius:16px;padding:24px 26px;margin-bottom:30px}
.takeaways h2{color:#fff;font-size:1.2rem;margin:0 0 .6em!important}
.takeaways ul{margin:0;padding-left:1.2em}
.author-box{display:flex;gap:18px;border:1px solid var(--line);border-radius:16px;padding:22px;margin-top:40px;background:#FAFCFB}
.author-box h3{font-size:1.05rem;margin:0 0 .3em}
.author-box p{margin:0;font-size:.93rem;color:var(--muted)}
.sidebar{display:grid;gap:20px}
@media (min-width:981px){.sidebar{position:sticky;top:20px}}
.side-card{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:22px}
.side-card h3{font-size:1.05rem}
.facts ul{list-style:none;padding:0;margin:0}
.facts li{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-bottom:1px dashed var(--line);font-size:.92rem}
.facts li:last-child{border:0}
.facts li span{color:var(--muted)}
.facts li strong{text-align:right}
.toc ol{margin:0;padding-left:1.2em;font-size:.92rem}
.toc li{margin-bottom:6px}
.toc a{text-decoration:none}
.apply-card{background:var(--ink);color:var(--on-dark);border:0}
.apply-card h3{color:#fff}
.apply-card .btn{width:100%}
.apply-card .tiny{color:var(--on-dark-muted)}
.related{padding:72px 0;background:var(--mint)}
.related h2{text-align:center;margin-bottom:32px}
.rel-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.rel-card{background:var(--paper);border-radius:16px;padding:22px;text-decoration:none;color:var(--text);display:flex;flex-direction:column;gap:8px;border:1px solid var(--line)}
.rel-card .ico{color:var(--teal)}
.rel-card span{font-size:.88rem;color:var(--muted)}
.rel-card:hover{border-color:var(--teal);color:var(--text)}
@media (max-width:1000px){.rel-grid{grid-template-columns:1fr 1fr}}
.team-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:1.4em 0}
.team-card{border:1px solid var(--line);border-radius:16px;padding:22px;background:#FAFCFB}
.team-card .role-ico{width:48px;height:48px;border-radius:14px;background:var(--ink);color:var(--sun);display:grid;place-items:center;margin-bottom:12px}
.team-card h3{margin:0 0 .3em;font-size:1.1rem}
.team-card p{font-size:.95rem;color:var(--muted);margin:0}
@media (max-width:700px){.team-grid{grid-template-columns:1fr}}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:1.2em 0 2em}
.contact-grid div{border:1px solid var(--line);border-radius:14px;padding:18px;background:#FAFCFB}
.contact-grid .ico{color:var(--teal)}
@media (max-width:700px){.contact-grid{grid-template-columns:1fr}}
.sitemap-cols{display:grid;grid-template-columns:repeat(2,1fr);gap:10px 40px}
@media (max-width:700px){.sitemap-cols{grid-template-columns:1fr}}
.blog-filter{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-bottom:32px}
.blog-filter button{border:1px solid var(--line);background:var(--paper);padding:8px 16px;border-radius:999px;font:600 .9rem var(--b);cursor:pointer;color:var(--ink)}
.blog-filter button.on{background:var(--ink);color:#fff;border-color:var(--ink)}

/* footer */
.site-footer{background:#0A2021;color:var(--on-dark-muted);padding:64px 0 28px;font-size:.93rem}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1fr;gap:32px}
.site-footer .logo-word{color:#fff}
.site-footer .logo-word b{color:var(--sun)}
.foot-brand p{margin:16px 0 20px}
.site-footer h4{color:#fff;font-family:var(--h);font-size:1.02rem;margin-bottom:14px}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.site-footer a{color:var(--on-dark-muted);text-decoration:none}
.site-footer a:hover{color:var(--sun)}
.site-footer .btn-sun{color:var(--ink)}
.foot-legal{border-top:1px solid rgba(255,255,255,.1);margin-top:44px;padding-top:24px;font-size:.8rem;line-height:1.65}
.foot-legal strong{color:#dfe9e6}
.copy{margin-top:14px}
@media (max-width:980px){.foot-grid{grid-template-columns:1fr 1fr}.foot-brand{grid-column:1/-1}}
.main-nav>a.nav-cta{background:var(--sun);color:var(--ink)}
.main-nav>a.nav-cta:hover{background:var(--sun-d)}
/* mobile overflow guards */
.split>*,.layout>*,.hero-grid>*{min-width:0}
.content,.byline,.side-card{overflow-wrap:anywhere}
@media (max-width:980px){.layout{grid-template-columns:minmax(0,1fr)}}
@media (max-width:900px){.split{grid-template-columns:minmax(0,1fr)}}
.stat-badges{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:420px){.stat-badges{grid-template-columns:1fr}}
.sec-dark a.btn-sun,.hero a.btn-sun{color:var(--ink)}
.visual-card>*{position:relative;z-index:1}
/* v2: mega menu, chips, tools, glossary */
.drop-mega{min-width:680px;left:-40px}
.mega{display:grid;grid-template-columns:repeat(3,1fr);gap:6px 14px}
.drop-h{font:700 .72rem var(--b);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:8px 12px 4px}
.drop a.drop-all{color:var(--teal);font-weight:700}
@media (max-width:980px){.drop-mega{min-width:0}.mega{grid-template-columns:1fr}}
.chip-h{text-align:center;font-weight:700;margin:34px 0 14px;color:var(--ink)}
.chip-row{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.chip-row a{background:var(--paper);border:1px solid var(--line);padding:8px 16px;border-radius:999px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.92rem}
.chip-row a:hover{border-color:var(--teal);background:#fff}
.foot-grid{grid-template-columns:1.4fr repeat(5,1fr)}
@media (max-width:1100px){.foot-grid{grid-template-columns:1fr 1fr 1fr}}
@media (max-width:640px){.foot-grid{grid-template-columns:1fr 1fr}}
.tool{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:22px;overflow:hidden;border:1px solid var(--line);margin-bottom:2em}
.tool-in{background:var(--ink);padding:30px;color:#fff}
.tool-in label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}
.tool-in input{width:100%;padding:11px 14px;border-radius:10px;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.08);color:#fff;font:600 1rem var(--b);margin-bottom:14px}
.tool-out{background:var(--sun);padding:30px;color:var(--ink);display:flex;flex-direction:column;justify-content:center}
.tool-out .big{font-family:var(--h);font-size:3rem;font-weight:800;line-height:1}
.tool-out dl{display:grid;grid-template-columns:1fr auto;gap:6px 14px;margin:18px 0}
.tool-out dd{margin:0;font-weight:700;text-align:right}
.tool-out .verdict{background:rgba(14,42,43,.1);border-radius:10px;padding:10px 12px;font-weight:600;font-size:.95rem}
@media (max-width:760px){.tool{grid-template-columns:1fr}}
.gl-letters{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:24px}
.gl-letters a{width:34px;height:34px;display:grid;place-items:center;border-radius:8px;background:var(--mint);text-decoration:none;font-weight:700;color:var(--ink)}
.gl dt{font-family:var(--h);font-weight:700;font-size:1.1rem;color:var(--ink);margin-top:18px}
.gl dd{margin:4px 0 0;color:var(--text)}
.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:1em 0 2em}
.hub-grid a{border:1px solid var(--line);border-radius:16px;padding:20px;text-decoration:none;color:var(--text);background:#FAFCFB;display:flex;flex-direction:column;gap:6px}
.hub-grid a:hover{border-color:var(--teal)}
.hub-grid .ico{color:var(--teal)}
.hub-grid span{font-size:.9rem;color:var(--muted)}
@media (max-width:800px){.hub-grid{grid-template-columns:1fr}}
/* v3: consolidated homepage service content */
.svc-row{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,.65fr);gap:40px;align-items:center;padding:40px 0;border-bottom:1px solid var(--line)}
.svc-row:last-child{border-bottom:0}
.svc-row.flip .svc-row-text{order:2}
.row-num{font-family:var(--h);font-weight:800;font-size:2.6rem;color:var(--mint2);line-height:1;display:block;margin-bottom:8px}
.row-link{font-weight:700;text-decoration:none}
.svc-row-card{background:var(--ink);color:var(--on-dark);border-radius:22px;padding:28px;position:relative;overflow:hidden}
.svc-row-card .svc-ico{background:var(--sun);color:var(--ink)}
.svc-row-card .ticks .ico{color:var(--sun)}
.svc-row-card .drop-h{color:var(--on-dark-muted)}
.svc-row-card .btn{width:100%;margin-top:6px}
@media (max-width:860px){.svc-row{grid-template-columns:minmax(0,1fr);gap:22px}.svc-row.flip .svc-row-text{order:0}}
.need-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
.need-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:28px}
.need-card .svc-ico{width:48px;height:48px;background:var(--sun);color:var(--ink);margin-bottom:12px}
.need-card p{color:var(--on-dark-muted)}
.need-card a{font-weight:700;text-decoration:none}
.need-card:last-child:nth-child(odd){grid-column:1/-1}
@media (max-width:760px){.need-grid{grid-template-columns:minmax(0,1fr)}}
.amt-grid,.home-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.amt-card,.home-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:28px;display:flex;flex-direction:column}
.amt-card h3{color:var(--ink)}
.amt-card p,.home-card p{color:var(--muted);font-size:.97rem}
.amt-card a,.home-card a{font-weight:700;text-decoration:none;margin-top:auto}
.amt-ex{display:grid;grid-template-columns:1fr auto;gap:6px 12px;background:var(--mint);border-radius:14px;padding:16px;margin:4px 0 18px;font-size:.92rem}
.amt-ex dt{color:var(--muted)}.amt-ex dd{margin:0;font-weight:700;text-align:right;color:var(--ink)}
.home-card{border-top:5px solid var(--teal)}
.home-card .svc-ico{width:48px;height:48px;margin-bottom:12px}
.home-card .ticks{font-size:.93rem}
@media (max-width:900px){.amt-grid,.home-grid{grid-template-columns:minmax(0,1fr)}}
.svc-row.flip{grid-template-columns:minmax(0,.65fr) minmax(0,1.35fr)}
@media (max-width:860px){.svc-row.flip{grid-template-columns:minmax(0,1fr)}}

/* ===== v4: Option A "Teal Wave" theme (dark + light teal) ===== */
:root{
 --ink:#0B3B3D; --forest:#0F4C4D; --teal:#14808A; --mint:#EAF7F6; --mint2:#CDEDEA;
 --cream:#F4FBFA; --sun:#8FD9D3; --sun-d:#6FCBC3; --line:#D4EBE8; --text:#17302F; --muted:#557170;
 --on-dark:#E3F3F2; --on-dark-muted:#A8CFCB;
 --h:"Plus Jakarta Sans",system-ui,sans-serif; --b:"Plus Jakarta Sans",system-ui,sans-serif;
}
h1,h2,h3,h4{letter-spacing:-.02em}
h1{font-weight:800}
/* buttons: dark teal on light, light teal on dark */
.btn-sun{background:var(--ink);color:#fff}
.btn-sun:hover{background:var(--teal);color:#fff}
.main-nav>a.nav-cta{background:var(--ink);color:#fff}
.main-nav>a.nav-cta:hover{background:var(--teal);color:#fff}
.sec-dark a.btn-sun,.apply-card .btn-sun,.site-footer .btn-sun,.svc-row-card .btn-sun,.visual-card .btn-sun{background:var(--sun);color:var(--ink)}
.sec-dark a.btn-sun:hover,.apply-card .btn-sun:hover,.site-footer .btn-sun:hover,.svc-row-card .btn-sun:hover{background:#fff;color:var(--ink)}
.site-header{background:var(--cream);border-bottom:0}
.topbar{background:#072B2C}
/* hero: Teal Wave */
.hero.hero-wave{background:linear-gradient(180deg,#EAF7F6,#D7F0EE);color:var(--text);padding:64px 0 150px;position:relative;overflow:hidden}
.hero.hero-wave::before{display:none}
.hero-blob{position:absolute;right:-8%;top:-10%;width:56%;height:120%;background:var(--ink);border-radius:0 0 0 60% / 0 0 0 45%;z-index:0}
.hero-blob::after{content:"";position:absolute;left:12%;bottom:12%;width:260px;height:260px;border-radius:50%;border:2px dashed rgba(143,217,211,.4)}
.hero-wave .hero-grid{position:relative;z-index:2;grid-template-columns:1.05fr .95fr;gap:40px}
.hero-wave h1{color:var(--ink);font-size:clamp(2.2rem,4vw,3.3rem)}
.hero-wave h1 em{color:var(--teal);font-style:normal}
.hero-wave .lede{color:#3E5E5D;font-size:1.12rem;max-width:540px}
.hero-wave .eyebrow{color:var(--teal)}
.hero-wave .hero-points .ico{background:var(--teal);color:#fff}
.hero-wave .hero-stats{border-top:1px solid rgba(11,59,61,.12)}
.hero-wave .hero-stats strong{color:var(--ink)}
.hero-wave .hero-stats span{color:var(--muted)}
.apply-wrap{display:flex;justify-content:center}
.hero-wave .apply-panel{max-width:500px;width:100%;padding:34px;border-radius:24px;box-shadow:0 30px 70px -30px rgba(4,40,40,.6)}
.hero-wave .apply-panel::before{display:none}
.hero-wave .apply-panel h2{color:var(--ink)}
.hero-wave .form-slot{border:0;background:none;padding:0;min-height:0;gap:12px}
.fs-tabs{display:flex;gap:6px}
.fs-tabs span{flex:1;text-align:center;font-size:.78rem;font-weight:700;padding:8px 4px;border-radius:9px;background:#EEF6F5;color:#6A8584}
.fs-tabs .on{background:var(--teal);color:#fff}
.fs-label{font-weight:600;font-size:.88rem;margin:4px 0 0;color:#24403F}
.hero-wave .amount-chips{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.hero-wave .amount-chips a{text-align:center;padding:12px 4px;border-radius:12px;border:1.5px solid #D5E6E4;background:#fff}
.hero-wave .amount-chips a.on,.hero-wave .amount-chips a:hover{border-color:var(--teal);background:#E5F5F3}
.hero-wave .fs-step{border-color:#D5E6E4;border-radius:12px}
.hero-wave .fs-step b{background:var(--ink);color:var(--sun)}
.hero-wave-edge{position:absolute;left:0;right:0;bottom:-1px;z-index:3;display:block}
@media (max-width:980px){
 .hero-wave .hero-grid{grid-template-columns:minmax(0,1fr)}
 .hero.hero-wave{padding:44px 0 120px}
 .hero-blob{width:130%;right:-15%;top:auto;bottom:-5%;height:62%;border-radius:50% 50% 0 0}
}
/* other surfaces */
.page-hero{background:linear-gradient(180deg,#EAF7F6 0%,#D7F0EE 100%)}
.page-hero::after{background:rgba(20,128,138,.12)}
.page-hero::before{background:rgba(11,59,61,.08)}
.cta-band{background:linear-gradient(135deg,#0B3B3D,#14808A)}
.cta-band h2{color:#fff}.cta-band p{color:#CFEAE7}
.cta-band .btn-sun{background:var(--sun);color:var(--ink)}
.cta-band .btn-sun:hover{background:#fff;color:var(--ink)}
.tip-card{border-top-color:var(--teal)}
.calc-out{background:linear-gradient(160deg,#BFE9E5,#8FD9D3)}
.calc-in{background:#0F4C4D}
.tool-out{background:linear-gradient(160deg,#BFE9E5,#8FD9D3)}
.post-thumb{background:var(--ink)}
.post-thumb::after{background:var(--sun)}
.svc-card .num{color:var(--mint2)}
.svc-ico{background:var(--ink);color:var(--sun)}
.svc-card.feature .svc-ico,.svc-row-card .svc-ico,.need-card .svc-ico{background:var(--sun);color:var(--ink)}
.callout.warn{background:#FFF6E6;border-left-color:#E0A124}
.site-footer{background:#072B2C}
.site-footer .logo-word b{color:var(--sun)}
.logo-word b{color:var(--teal)}
/* v5: live lead form in hero */
.lead-form{min-height:360px}
.lead-form #_lg_form_{width:100%}
.hero-wave .apply-panel{scroll-margin-top:16px}
/* v6: Services option 2 — Zigzag Showcase */
.zz-row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:60px;align-items:center;padding:38px 0}
.zz-row.flip .zz-media{order:2}
.zz-media{position:relative}
.zz-frame{border-radius:28px;overflow:hidden;box-shadow:0 30px 60px -30px rgba(11,59,61,.5);border:8px solid #fff;background:#D7F0EE;aspect-ratio:16/11}
.zz-frame img{width:100%;height:100%;object-fit:cover;display:block}
.zz-badge{position:absolute;right:-18px;bottom:-22px;background:var(--ink);color:var(--on-dark);border-radius:18px;padding:16px 18px;box-shadow:0 20px 40px -20px rgba(0,0,0,.5);font-size:.93rem}
.zz-row.flip .zz-badge{right:auto;left:-18px}
.zz-badge .ticks{margin:0;gap:8px}.zz-badge .ticks .ico{color:var(--sun)}
.zz-txt h3{font-size:1.45rem;margin-top:6px}
.zz-txt p{color:#456462}
.zz-txt .ticks{margin:6px 0 0}
.zz-act{display:flex;gap:16px;align-items:center;flex-wrap:wrap;margin-top:18px}
@media (max-width:900px){.zz-row{grid-template-columns:minmax(0,1fr);gap:34px}.zz-row.flip .zz-media{order:0}
 .zz-badge,.zz-row.flip .zz-badge{position:relative;left:auto;right:auto;bottom:auto;margin:-30px 16px 0}}
.zz-frame picture{display:block;width:100%;height:100%}
/* v7: "Loans Matched to Your Situation" — option F checklist cards */
.ck-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:20px}
.ck-card{grid-column:span 2;background:var(--cream);color:var(--text);border-radius:24px;padding:26px;display:flex;flex-direction:column;gap:14px}
.ck-card:nth-child(4){grid-column:2/span 2}
.ck-h{display:flex;gap:14px;align-items:center}
.ck-ic{width:52px;height:52px;border-radius:16px;background:var(--ink);color:var(--sun);display:grid;place-items:center;flex:none}
.sec-dark .ck-card h3{color:var(--ink);font-size:1.15rem;margin:0}
.ck-card p{margin:0;color:var(--muted);font-size:.95rem}
.ck-card .ticks{margin:0;gap:7px;font-size:.92rem;font-weight:600}
.ck-card .ticks .ico{color:#fff;background:var(--teal);border-radius:50%;padding:3px;width:20px;height:20px;margin-top:2px}
.sec-dark .ck-card a.ck-go{margin-top:auto;font-weight:800;text-decoration:none;color:var(--teal)}
@media (max-width:900px){.ck-grid{grid-template-columns:minmax(0,1fr)}.ck-card,.ck-card:nth-child(4){grid-column:auto}}
/* v8: Home loans — option L plan columns */
.pl-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;align-items:stretch;margin-top:10px}
.pl-col{background:#fff;border:1px solid var(--line);border-radius:28px;padding:30px;display:flex;flex-direction:column;gap:18px;position:relative;text-align:center}
.pl-col.hot{background:var(--ink);border-color:var(--ink);color:var(--on-dark);transform:translateY(-12px);box-shadow:0 30px 60px -30px rgba(11,59,61,.7)}
.pl-pop{position:absolute;top:-14px;left:50%;transform:translateX(-50%);background:var(--sun);color:var(--ink);font-weight:800;font-size:.75rem;letter-spacing:.08em;text-transform:uppercase;border-radius:999px;padding:6px 14px;white-space:nowrap}
.pl-h{display:flex;flex-direction:column;align-items:center;gap:10px}
.pl-ic{width:58px;height:58px;border-radius:18px;background:var(--teal);color:#fff;display:grid;place-items:center}
.pl-col h3{color:var(--ink);font-size:1.2rem;margin:0}.pl-h p{margin:0;color:var(--muted);font-size:.88rem;font-weight:600}
.pl-col.hot h3{color:#fff}.pl-col.hot .pl-h p{color:var(--sun)}.pl-col.hot .pl-ic{background:var(--sun);color:var(--ink)}
.pl-k{border-top:1px dashed var(--mint2);border-bottom:1px dashed var(--mint2);padding:16px 0}
.pl-k b{display:block;font-size:2.4rem;line-height:1;color:var(--ink);letter-spacing:-.03em}.pl-k span{font-size:.85rem;color:var(--muted)}
.pl-col.hot .pl-k{border-color:rgba(143,217,211,.3)}.pl-col.hot .pl-k b{color:#fff}.pl-col.hot .pl-k span{color:var(--on-dark-muted)}
.pl-col .ticks{margin:0 auto;gap:7px;font-size:.92rem;font-weight:600;text-align:left}
.pl-col .ticks .ico{color:#fff;background:var(--teal);border-radius:50%;padding:3px;width:20px;height:20px;margin-top:2px}
.pl-col.hot .ticks .ico{background:var(--sun);color:var(--ink)}
.pl-col .btn{margin-top:auto}.pl-col.hot .btn-sun{background:var(--sun);color:var(--ink)}
.pl-go{font-weight:800;text-decoration:none;color:var(--teal)}.pl-col.hot .pl-go{color:var(--sun)}
@media (max-width:900px){.pl-grid{grid-template-columns:minmax(0,1fr);gap:30px}.pl-col.hot{transform:none}}
.pl-grid .pl-col.hot a.pl-go{color:#8FD9D3}
/* v9: Loan amounts — option M price tags */
.tg-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.tg-card{background:#fff;border:1px solid var(--line);border-radius:26px;padding:0 0 28px;display:flex;flex-direction:column;align-items:center;text-align:center;gap:12px;overflow:hidden}
.tg-h{width:100%;background:var(--mint);padding:26px 0 22px;position:relative;clip-path:polygon(0 0,100% 0,100% 82%,50% 100%,0 82%)}
.tg-h b{display:block;font-size:2.8rem;color:var(--ink);letter-spacing:-.03em;line-height:1}
.tg-h span{font-weight:700;color:var(--teal);text-transform:uppercase;font-size:.75rem;letter-spacing:.14em}
.tg-hole{position:absolute;left:50%;top:10px;transform:translateX(-50%);width:12px;height:12px;border-radius:50%;background:#fff;box-shadow:inset 0 0 0 2px var(--mint2)}
.tg-card.mid .tg-h{background:linear-gradient(140deg,var(--ink),var(--teal))}.tg-card.mid .tg-h b{color:#fff}.tg-card.mid .tg-h span{color:var(--sun)}
.tg-ln{margin:0 24px;color:var(--muted);font-size:.93rem}
.tg-pay b{font-size:2rem;color:var(--teal)}.tg-pay span{color:var(--muted);font-weight:600}
.tg-dl{display:grid;grid-template-columns:1fr auto;gap:6px 18px;margin:0;padding:14px 22px;background:var(--cream);border-radius:16px;width:calc(100% - 48px);font-size:.9rem}
.tg-dl dt{color:var(--muted);text-align:left}.tg-dl dd{margin:0;font-weight:800;color:var(--ink);text-align:right}
.tg-card .btn{margin-top:6px}.tg-go{font-weight:800;text-decoration:none;color:var(--teal);font-size:.92rem}
@media (max-width:900px){.tg-grid{grid-template-columns:minmax(0,1fr)}}
/* v10: What is Lending Buddy — option R connection diagram */
.cd-grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:56px;align-items:center}
.cd-lead{font-size:1.12rem;color:#3E5E5D}
.cd-paid{display:inline-block;background:var(--mint);border:1px dashed var(--sun);border-radius:999px;padding:10px 18px;font-weight:700;color:var(--ink);font-size:.95rem;margin:4px 0 18px}
.cd-go{display:block;font-weight:800;text-decoration:none}
.cd-flow{background:#fff;border:1px solid var(--line);border-radius:30px;padding:36px 28px;display:grid;grid-template-columns:1fr auto 1fr auto 1fr;align-items:center;gap:10px}
.cd-nd{display:flex;flex-direction:column;align-items:center;text-align:center;gap:10px}
.cd-nd b{color:var(--ink);font-size:.95rem}.cd-nd small{color:var(--muted);font-size:.8rem;line-height:1.35}
.cd-bub{width:76px;height:76px;border-radius:50%;background:var(--mint);color:var(--teal);display:grid;place-items:center}
.cd-hub .cd-bub{width:104px;height:104px;background:linear-gradient(150deg,var(--ink),var(--teal));box-shadow:0 0 0 10px var(--mint),0 20px 40px -18px rgba(11,59,61,.7)}
.cd-arw{height:3px;width:42px;background:repeating-linear-gradient(90deg,var(--teal) 0 8px,transparent 8px 14px);position:relative}
.cd-arw::after{content:"";position:absolute;right:-4px;top:-5px;border:6px solid transparent;border-left-color:var(--teal)}
.cd-stack{display:grid;gap:10px}
.cd-ln{display:flex;gap:10px;align-items:center;background:var(--cream);border-radius:14px;padding:10px 12px;font-weight:700;font-size:.85rem;color:var(--ink)}
.cd-ln i{width:34px;height:34px;border-radius:10px;background:var(--ink);color:var(--sun);display:grid;place-items:center;font-style:normal;flex:none}
.cd-cap{grid-column:1/-1;text-align:center;margin:18px 0 0;font-size:.85rem;color:var(--muted)}
@media (max-width:960px){.cd-grid{grid-template-columns:minmax(0,1fr)}.cd-flow{grid-template-columns:minmax(0,1fr);justify-items:center}.cd-arw{transform:rotate(90deg);margin:14px 0}}
/* v11: How it works — option W phone walkthrough */
.pw-grid{display:grid;grid-template-columns:1fr auto 1fr;gap:44px;align-items:center}
.pw-col{display:grid;gap:26px}.pw-l{text-align:right}.pw-l .pw-s{flex-direction:row-reverse}
.pw-s{display:flex;gap:16px;align-items:flex-start}
.pw-n{flex:none;width:52px;height:52px;border-radius:50%;border:2px solid var(--sun);color:var(--sun);font-weight:800;display:grid;place-items:center}
.pw-s h3{color:#fff;font-size:1.15rem;margin:0 0 4px}.pw-s p{margin:0;color:var(--on-dark-muted);font-size:.95rem}
.pw-phone{width:270px;height:540px;border-radius:44px;background:#05201F;padding:12px;box-shadow:0 0 0 2px rgba(143,217,211,.3),0 40px 80px -30px rgba(0,0,0,.8)}
.pw-scr{height:100%;border-radius:34px;background:var(--cream);padding:22px 18px;display:flex;flex-direction:column;gap:12px}
.pw-t{font-weight:800;color:var(--teal);text-align:center}
.pw-amt{background:linear-gradient(140deg,var(--ink),var(--teal));color:#fff;border-radius:18px;padding:16px;text-align:center}.pw-amt small{color:#BFE9E5}.pw-amt b{display:block;font-size:2rem}
.pw-row{background:#fff;border-radius:12px;padding:10px 12px;font-size:.82rem;font-weight:700;color:var(--teal);border:1px solid var(--line)}
.pw-offer{background:#fff;border-radius:14px;padding:12px;border:1px solid var(--line);font-size:.82rem;color:var(--text)}
.pw-offer small{font-weight:800;color:var(--ink)}.pw-offer div{display:flex;justify-content:space-between;padding:4px 0}.pw-offer span{color:var(--muted)}.pw-offer b{color:var(--ink)}
.pw-btn{margin-top:auto;background:var(--ink);color:#fff;text-align:center;border-radius:999px;padding:12px;font-weight:800;font-size:.9rem}
@media (max-width:960px){.pw-grid{grid-template-columns:minmax(0,1fr);justify-items:center}.pw-l{text-align:left}.pw-l .pw-s{flex-direction:row}}
/* v12: Eligibility & costs — option 4 split dark/light */
.sd-card{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);border-radius:32px;overflow:hidden;box-shadow:0 30px 70px -40px rgba(11,59,61,.6)}
.sd-l{background:var(--ink);color:var(--on-dark);padding:44px}.sd-l h2{color:#fff}.sd-l .eyebrow{color:var(--sun)}.sd-l .tiny{color:var(--on-dark-muted)}
.sd-il{list-style:none;padding:0;margin:18px 0;display:grid;gap:14px}.sd-il li{display:flex;gap:14px;align-items:center}
.sd-il span{flex:none;width:44px;height:44px;border-radius:50%;border:2px solid var(--sun);color:var(--sun);display:grid;place-items:center}
.sd-il b{display:block;color:#fff}.sd-il small{color:var(--on-dark-muted);font-size:.85rem}
.sd-go{font-weight:800;text-decoration:none}.sd-l .sd-go{color:var(--sun)}
.sd-r{background:#fff;padding:44px}.sd-lead{color:var(--muted);margin:0}
.sd-tg{display:inline-flex;background:var(--mint);border-radius:999px;padding:4px;margin:10px 0 20px}
.sd-tg button{border:0;background:transparent;font:800 .95rem var(--b);padding:10px 22px;border-radius:999px;cursor:pointer;color:var(--ink)}.sd-tg button.on{background:var(--ink);color:#fff}
.sd-out{background:linear-gradient(150deg,#BFE9E5,#8FD9D3);border-radius:22px;padding:24px;color:var(--ink)}.sd-out small{font-weight:700}
.sd-pm{font-size:2.6rem;font-weight:800;line-height:1.1}.sd-out dl{display:grid;grid-template-columns:1fr auto;gap:4px 12px;margin:12px 0 0;font-size:.95rem}.sd-out dd{margin:0;font-weight:800;text-align:right}
@media (max-width:900px){.sd-card{grid-template-columns:minmax(0,1fr)}.sd-l,.sd-r{padding:30px 22px}}
/* v13: Expert advice — photo tip cards (F2) */
.xt-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.xt-card{background:var(--cream);border-radius:24px;overflow:hidden;position:relative}
.xt-im{aspect-ratio:640/380;background:#D7F0EE}.xt-im img{display:block;width:100%;height:100%;object-fit:cover}
.xt-no{position:absolute;left:20px;width:48px;height:48px;border-radius:50%;background:var(--sun);color:var(--ink);font-weight:800;display:grid;place-items:center;box-shadow:0 0 0 5px var(--cream);transform:translateY(-24px)}
.xt-b{padding:34px 22px 24px}.sec-dark .xt-b h3{color:var(--ink);font-size:1.12rem;margin:0 0 6px}.xt-b p{margin:0;color:var(--muted);font-size:.95rem}
.xt-by{text-align:center;margin-top:30px;color:var(--on-dark-muted);font-size:.9rem}
/* trust section now on light background */
#is-lending-buddy-legit h2{color:var(--ink)}#is-lending-buddy-legit .eyebrow{color:var(--teal)}
@media (max-width:900px){.xt-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.xt-grid{grid-template-columns:minmax(0,1fr)}}
/* v14: Is Lending Buddy legit — G4 collage shield */
.lg-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:center}
.lg-col{display:grid;grid-template-columns:1fr 1fr;grid-template-rows:200px 200px;gap:14px;position:relative}
.lg-im{border-radius:22px;overflow:hidden;background:#D7F0EE}.lg-im.a{grid-row:span 2}.lg-im picture{display:block;height:100%}.lg-im img{display:block;width:100%;height:100%;object-fit:cover}
.lg-sh{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:120px;height:120px;border-radius:50%;background:var(--ink);color:var(--sun);display:flex;flex-direction:column;align-items:center;justify-content:center;font-weight:800;font-size:.8rem;text-align:center;line-height:1.2;box-shadow:0 0 0 8px #fff,0 20px 40px -16px rgba(0,0,0,.5)}.lg-sh span{font-size:2.2rem;line-height:1.1}
.lg-lead{color:#3E5E5D;font-size:1.05rem}
.lg-h{margin:18px 0 10px;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--teal)}
.lg-st{display:grid;gap:12px}.lg-s{display:flex;gap:14px;align-items:center;background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:14px 16px}
.lg-s b{flex:none;width:36px;height:36px;border-radius:10px;background:var(--teal);color:#fff;display:grid;place-items:center}.lg-s span{font-weight:600}
.lg-nv{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px}.lg-nv span{background:rgba(224,115,90,.12);color:#B4472E;font-weight:700;font-size:.85rem;border-radius:999px;padding:7px 14px}
.lg-go{font-weight:800;text-decoration:none}
@media (max-width:900px){.lg-grid{grid-template-columns:minmax(0,1fr)}.lg-col{grid-template-rows:150px 150px}}
/* v15: guides — H1 photo cards (site-wide post cards) */
.post-img{aspect-ratio:16/10;overflow:hidden;background:var(--ink)}.post-img img{display:block;width:100%;height:100%;object-fit:cover;transition:transform .4s}
.post-card:hover .post-img img{transform:scale(1.05)}
.pc-cat{align-self:flex-start;background:var(--ink);color:var(--sun);font-weight:800;font-size:.7rem;letter-spacing:.08em;text-transform:uppercase;border-radius:999px;padding:4px 10px}
.post-card .pc-body h3{font-size:1.08rem}
.gd-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:34px;flex-wrap:wrap}.gd-head h2{margin:6px 0 0}
.gd-head .btn-ghost{border-color:var(--ink);color:var(--ink)}
.post-img picture{display:block;height:100%}
/* v16: reviews — editorial theme cards */
.tr-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.tr-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;display:flex;flex-direction:column;gap:12px;box-shadow:0 10px 30px -24px rgba(11,59,61,.4)}
.tr-top{display:flex;justify-content:space-between;align-items:center;gap:10px}
.tr-chk{font-size:.75rem;font-weight:800;color:var(--teal)}
.tr-badge{background:var(--mint);color:var(--muted);border-radius:999px;padding:4px 12px;font-size:.78rem}.tr-badge b{color:var(--ink)}
.tr-theme{font-size:.72rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--teal)}
.tr-card blockquote{margin:0;font-style:italic;color:#3E5E5D;font-size:.95rem;flex:1}
.tr-card footer{display:flex;gap:12px;align-items:center}
.tr-av{flex:none;width:40px;height:40px;border-radius:50%;background:var(--ink);color:var(--sun);font-weight:800;font-size:.8rem;display:grid;place-items:center}
.tr-card footer b{display:block;color:var(--ink);font-size:.9rem}.tr-card footer small{color:var(--muted);font-size:.78rem}
.tr-btn{border-color:var(--ink);color:var(--ink)}
@media (max-width:900px){.tr-grid{grid-template-columns:minmax(0,1fr)}}
/* v17: compact 2-column homepage FAQ */
.fq-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 18px;align-items:start;max-width:1040px;margin:0 auto}
.fq-grid .faq{margin:0}.fq-grid .faq summary{padding:15px 30px 15px 0;font-size:.95rem}
@media (max-width:800px){.fq-grid{grid-template-columns:minmax(0,1fr)}}
/* v18: expert insights */
.ei-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
.ei-card{background:var(--cream);border:1px solid var(--line);border-left:5px solid var(--teal);border-radius:22px;padding:28px;display:flex;flex-direction:column;gap:12px}
.ei-card header{display:flex;gap:12px;align-items:center}
.ei-av{flex:none;width:48px;height:48px;border-radius:50%;background:linear-gradient(145deg,var(--sun),var(--teal));color:#fff;font-weight:800;display:grid;place-items:center}
.ei-card header b{display:block;color:var(--ink)}.ei-card header small{color:var(--muted);font-size:.82rem}
.ei-card h3{font-size:1.2rem;margin:4px 0 0}
.ei-card blockquote{margin:0;color:#3E5E5D;font-size:.98rem}
.ei-key{margin:0;background:#fff;border:1px dashed var(--sun);border-radius:12px;padding:10px 14px;font-weight:700;color:var(--ink);font-size:.92rem}
.ei-card a{font-weight:800;text-decoration:none;margin-top:auto}
.ei-std{text-align:center;margin-top:28px;color:var(--muted);font-size:.92rem}
@media (max-width:860px){.ei-grid{grid-template-columns:minmax(0,1fr)}}
/* v19: expert insights — polaroid board */
.po-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:28px;padding:10px}
.po-card{display:block;background:#fff;padding:12px 12px 18px;transform:rotate(var(--r));box-shadow:0 20px 40px -24px rgba(11,59,61,.6);position:relative;transition:transform .2s;text-decoration:none;text-align:center}
.po-card:hover{transform:rotate(0) scale(1.03)}
.po-card::before{content:"";position:absolute;top:-10px;left:50%;transform:translateX(-50%);width:70px;height:20px;background:rgba(143,217,211,.8)}
.po-ph{aspect-ratio:1/1;overflow:hidden;background:#D7F0EE}.po-ph picture{display:block;height:100%}.po-ph img{display:block;width:100%;height:100%;object-fit:cover}
.po-cap{display:block;font-family:"Caveat",cursive;font-size:1.55rem;color:var(--ink);line-height:1.15;margin-top:12px}
.po-card small{display:block;font-size:.75rem;color:var(--teal);font-weight:700;margin-top:6px}
.po-note{text-align:center;margin-top:30px;color:var(--muted);font-size:.9rem}
@media (max-width:900px){.po-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* v20 footer: CTA band */
.site-footer.f2{background:#072B2C;color:#a9c4c2;font-size:.92rem;padding:0 0 22px}
.f2 a{color:#a9c4c2;text-decoration:none}.f2 a:hover{color:var(--sun)}
.f2-cta{display:flex;justify-content:space-between;align-items:center;gap:20px;background:linear-gradient(120deg,#14808A,#0B3B3D);border-radius:0 0 24px 24px;padding:26px 32px;flex-wrap:wrap}
.f2-cta small{display:block;color:var(--sun);font-weight:700}.f2-cta strong{color:#fff;font-size:1.35rem}
.f2-main{display:grid;grid-template-columns:1.3fr repeat(5,minmax(0,1fr));gap:26px;padding:60px 0 30px}
.f2-brand p{margin:12px 0 0}.f2 h4{color:#fff;font-size:1rem;margin:0 0 12px}
.f2 ul{list-style:none;margin:0;padding:0;display:grid;gap:7px}
.f2-legal{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;font-size:.8rem;line-height:1.6}
.f2-legal ul{gap:6px}.f2-legal li{padding-left:16px;position:relative}
.f2-legal li:before{content:"";position:absolute;left:0;top:.6em;width:6px;height:6px;border-radius:50%;background:var(--sun)}
.f2-legal b{color:#fff}.f2-legal a{text-decoration:underline}.f2-legal p{margin:14px 0 0;font-size:.78rem}
@media(max-width:1000px){.f2-main{grid-template-columns:repeat(2,minmax(0,1fr))}.f2-brand{grid-column:1/-1}}
@media(max-width:640px){.f2-cta{padding:22px 20px}.f2-cta strong{font-size:1.15rem}}

/* v21 homepage trims */
.hero-by{margin:18px 0 0;font-size:.85rem;color:#4a6a6b}
.hero-by a{color:var(--teal);font-weight:600;text-decoration:underline}
.zz-tip{background:var(--mint);border-left:3px solid var(--teal);border-radius:10px;padding:10px 14px;font-size:.93rem}

/* v22 inner pages: split hero with image + content polish */
.page-hero.ph-split{text-align:left;padding:46px 0 56px}
.page-hero.ph-split .wrap{max-width:1180px}
.ph-grid{display:block}
.ph-split .ph-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:48px;align-items:center}
.ph-split .lede{margin:0;max-width:560px}
.ph-split h1{font-size:clamp(1.9rem,3.6vw,2.9rem)}
.ph-media{position:relative;margin:0}
.ph-media>img,.ph-media picture img{display:block;width:100%;height:auto;border-radius:26px;box-shadow:0 22px 50px -24px rgba(11,59,61,.45)}
.ph-photo picture img,.ph-photo>img{aspect-ratio:16/11;object-fit:cover;border:6px solid #fff}
.ph-chip{position:absolute;left:-14px;bottom:22px;background:var(--ink);color:#fff;font-weight:700;font-size:.88rem;padding:11px 18px;border-radius:999px;box-shadow:0 12px 26px -12px rgba(11,59,61,.6)}
.ph-team{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.ph-team img{aspect-ratio:1/1;object-fit:cover;border-radius:18px!important;border:5px solid #fff}
.ph-team picture:nth-child(odd){transform:rotate(-2deg)}.ph-team picture:nth-child(even){transform:rotate(2deg) translateY(10px)}
@media(max-width:900px){.ph-split .ph-grid{grid-template-columns:minmax(0,1fr);gap:28px}.ph-media{max-width:520px}.ph-chip{left:10px}}
/* content polish */
.content h2{position:relative;padding-top:14px}
.content h2::before{content:"";position:absolute;top:0;left:0;width:44px;height:5px;border-radius:5px;background:linear-gradient(90deg,var(--teal),var(--sun))}
.takeaways h2::before,.faq-wrap h2::before{display:none}
.content>ul:not(.ticks):not(.sitemap-cols),.content section>ul{list-style:none;padding-left:0}
.content>ul:not(.ticks):not(.sitemap-cols)>li,.content section>ul>li{position:relative;padding-left:30px}
.content>ul:not(.ticks):not(.sitemap-cols)>li::before,.content section>ul>li::before{content:"";position:absolute;left:0;top:.28em;width:20px;height:20px;border-radius:50%;background:var(--mint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2314808A' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 12 4 4 8-8'/%3E%3C/svg%3E") center/12px no-repeat}
.content table{border-radius:14px;overflow:hidden;box-shadow:0 0 0 1px var(--line)}
.content tbody tr:nth-child(even){background:#F4FBFA}
.content a:not(.btn){text-decoration-color:rgba(20,128,138,.4);text-underline-offset:3px}
.callout.tip{position:relative;padding-left:58px}
.callout.tip::before{content:"💡";position:absolute;left:18px;top:16px;font-size:1.3rem}
.facts li span,.facts li strong{overflow-wrap:normal}
.facts li span{flex-shrink:0}
.side-card{box-shadow:0 10px 30px -22px rgba(11,59,61,.35)}

/* v23 hero background: graph paper + rising line */
.hx5{position:absolute;inset:0;z-index:0;pointer-events:none;background-image:linear-gradient(rgba(20,128,138,.09) 1px,transparent 1px),linear-gradient(90deg,rgba(20,128,138,.09) 1px,transparent 1px);background-size:40px 40px;-webkit-mask-image:linear-gradient(90deg,#000 40%,transparent 62%);mask-image:linear-gradient(90deg,#000 40%,transparent 62%)}
.hx5 svg{position:absolute;left:0;bottom:90px;width:68%;height:70%}
.hx5 .ln{fill:none;stroke:#14808A;stroke-width:3;stroke-opacity:.35;stroke-dasharray:1200;stroke-dashoffset:1200;animation:hx5draw 4s ease-out forwards}
.hx5 .ar{fill:rgba(143,217,211,.18)}
@keyframes hx5draw{to{stroke-dashoffset:0}}
@media (max-width:900px){.hx5{-webkit-mask-image:linear-gradient(180deg,#000 30%,transparent 70%);mask-image:linear-gradient(180deg,#000 30%,transparent 70%)}.hx5 svg{width:100%;height:45%;top:120px;bottom:auto;opacity:.6}}
@media (prefers-reduced-motion:reduce){.hx5 .ln{animation:none;stroke-dashoffset:0}}