:root{
  --bg:#EDF1F5;
  --bg-deep:#0E2A3F;
  --card:#FFFFFF;
  --ink:#12293B;
  --ink-soft:#5A6B7A;
  --mint:#2FBF8F;
  --mint-soft:#DFF5EC;
  --sky:#DCE9F4;
  --line:#DFE6EC;
  --r-lg:24px;
  --r-md:16px;
  --shadow:0 10px 30px rgba(18,41,59,.08);
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto;}
  *{animation-duration:0.01ms !important; transition-duration:0.01ms !important;}
}

body{
  margin:0;
  background:var(--bg);
  color:var(--ink);
  font-family:'Inter', sans-serif;
  line-height:1.55;
}
a{color:inherit;}

.wrap{ max-width:1000px; margin:0 auto; padding:0 24px; }
h1,h2,h3{ font-family:'Sora', sans-serif; }

/* ---------- NAV ---------- */
nav{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  padding:26px 0 0;
  flex-wrap:wrap;
}
.logo{
  font-family:'Sora', sans-serif;
  font-weight:700;
  font-size:19px;
  display:flex;
  align-items:center;
  gap:9px;
  text-decoration:none;
}
.logo-dot{ width:12px;height:12px;border-radius:50%;background:var(--mint);display:inline-block; }
.nav-links{
  display:flex;
  gap:6px;
  flex-wrap:wrap;
}
.nav-links a{
  text-decoration:none;
  font-size:14px;
  font-weight:500;
  color:var(--ink-soft);
  padding:8px 14px;
  border-radius:999px;
  transition:background .15s ease, color .15s ease;
}
.nav-links a:hover{ background:var(--card); color:var(--ink); }
.nav-links a.active{ background:var(--ink); color:#fff; }
.nav-links a:focus-visible{ outline:3px solid rgba(47,191,143,.4); outline-offset:2px; }

/* ---------- HERO ---------- */
.hero{
  padding:64px 0 48px;
  display:grid;
  grid-template-columns:1.15fr .85fr;
  gap:48px;
  align-items:center;
}
@media (max-width:820px){
  .hero{grid-template-columns:1fr; gap:32px; padding-top:48px;}
}
.hero h1{
  font-size:clamp(34px,5.2vw,52px);
  font-weight:700;
  line-height:1.08;
  margin:0 0 18px;
  letter-spacing:-0.02em;
}
.hero h1 .hl{ position:relative; white-space:nowrap; }
.hero h1 .hl::after{
  content:"";
  position:absolute;
  left:-2px; right:-2px; bottom:4px;
  height:0.35em;
  background:var(--mint-soft);
  border-radius:6px;
  z-index:-1;
}
.hero p{ font-size:17px; color:var(--ink-soft); margin:0 0 26px; max-width:46ch; }
.hero-cta{
  display:inline-flex;
  align-items:center;
  gap:10px;
  background:var(--ink);
  color:#fff;
  font-weight:600;
  font-size:15px;
  text-decoration:none;
  padding:15px 26px;
  border-radius:999px;
  transition:transform .15s ease, box-shadow .15s ease;
}
.hero-cta:hover{ transform:translateY(-2px); box-shadow:var(--shadow); }
.hero-cta:focus-visible{ outline:3px solid var(--mint); outline-offset:3px; }
.hero-points{ display:flex; gap:18px; margin-top:26px; flex-wrap:wrap; }
.hero-point{ display:flex; align-items:center; gap:8px; font-size:14px; font-weight:500; color:var(--ink-soft); }
.check{
  width:20px;height:20px;border-radius:50%;
  background:var(--mint-soft);
  display:inline-flex;align-items:center;justify-content:center;
  color:var(--mint); flex-shrink:0;
}
.check svg{width:11px;height:11px;}

.hero-visual{
  background:var(--bg-deep);
  border-radius:var(--r-lg);
  padding:30px;
  color:#EAF2F8;
  box-shadow:var(--shadow);
  position:relative;
  overflow:hidden;
}
.hero-visual::before{
  content:"";
  position:absolute;
  top:-70px; right:-70px;
  width:200px; height:200px;
  border-radius:50%;
  background:radial-gradient(circle, rgba(47,191,143,.35), transparent 65%);
}
.hv-label{ font-size:12.5px; letter-spacing:.04em; text-transform:uppercase; color:#8FB0C6; margin-bottom:8px; }
.hv-amount{ font-family:'Sora', sans-serif; font-size:38px; font-weight:700; margin-bottom:20px; }
.hv-bars{ display:flex; align-items:flex-end; gap:10px; height:90px; margin-bottom:18px; }
.hv-bar{ flex:1; border-radius:8px 8px 4px 4px; background:rgba(234,242,248,.16); }
.hv-bar.best{ background:var(--mint); }
.hv-note{ font-size:13px; color:#8FB0C6; display:flex; align-items:center; gap:8px; }
.hv-note .dot{ width:8px;height:8px;border-radius:50%;background:var(--mint);flex-shrink:0; }

/* ---------- PAGE HEADER (subpages) ---------- */
.page-head{ padding:56px 0 8px; max-width:720px; }
.page-head .crumb{
  font-size:13px;
  color:var(--ink-soft);
  margin-bottom:14px;
}
.page-head .crumb a{ color:var(--mint); text-decoration:none; font-weight:600; }
.page-head .crumb a:hover{ text-decoration:underline; }
.page-head h1{
  font-size:clamp(30px,4.6vw,42px);
  font-weight:700;
  line-height:1.12;
  margin:0 0 14px;
  letter-spacing:-0.02em;
}
.page-head p{ font-size:17px; color:var(--ink-soft); margin:0; }

/* ---------- SECTIONS ---------- */
section{ padding:44px 0; }
.sec-head{ margin-bottom:26px; }
.sec-head h2{ font-size:clamp(24px,3.4vw,31px); font-weight:600; margin:0 0 6px; letter-spacing:-0.01em; }
.sec-head p{ color:var(--ink-soft); margin:0; font-size:15.5px; }

/* ---------- PROSE (article pages) ---------- */
.prose{
  max-width:720px;
  padding:36px 0 20px;
}
.prose h2{ font-size:24px; font-weight:600; margin:40px 0 12px; letter-spacing:-0.01em; }
.prose h2:first-child{ margin-top:0; }
.prose h3{ font-size:18px; font-weight:600; margin:28px 0 8px; }
.prose p{ font-size:16px; color:#33475A; margin:0 0 16px; }
.prose ul, .prose ol{ padding-left:22px; color:#33475A; margin:0 0 16px; }
.prose li{ margin-bottom:8px; font-size:16px; }
.prose a{ color:var(--mint); font-weight:600; text-decoration:none; }
.prose a:hover{ text-decoration:underline; }
.prose .callout{
  background:var(--card);
  border-left:4px solid var(--mint);
  border-radius:0 var(--r-md) var(--r-md) 0;
  box-shadow:var(--shadow);
  padding:20px 24px;
  margin:24px 0;
}
.prose .callout p{ margin:0; }
.prose table{
  width:100%;
  border-collapse:collapse;
  background:var(--card);
  border-radius:var(--r-md);
  overflow:hidden;
  box-shadow:var(--shadow);
  margin:24px 0;
  font-size:15px;
}
.prose th{
  text-align:left;
  font-family:'Sora', sans-serif;
  font-size:13px;
  font-weight:600;
  color:var(--ink-soft);
  padding:14px 18px;
  border-bottom:1px solid var(--line);
  background:#F7FAFC;
}
.prose td{ padding:14px 18px; border-bottom:1px solid var(--line); }
.prose tr:last-child td{ border-bottom:none; }

/* ---------- CALCULATOR ---------- */
.calc-card{
  background:var(--card);
  border-radius:var(--r-lg);
  box-shadow:var(--shadow);
  padding:36px;
  display:grid;
  grid-template-columns:1.2fr .8fr;
  gap:40px;
}
@media (max-width:820px){ .calc-card{grid-template-columns:1fr; padding:26px;} }

.field{ margin-bottom:26px; }
.field:last-child{ margin-bottom:0; }
.field label{
  display:flex;
  justify-content:space-between;
  align-items:baseline;
  font-size:14px;
  font-weight:500;
  color:var(--ink-soft);
  margin-bottom:12px;
}
.field label .val{
  font-family:'Sora', sans-serif;
  font-size:17px;
  font-weight:600;
  color:var(--ink);
}
input[type="range"]{
  -webkit-appearance:none;
  width:100%;
  height:6px;
  border-radius:999px;
  background:var(--sky);
  outline:none;
}
input[type="range"]::-webkit-slider-thumb{
  -webkit-appearance:none;
  width:22px; height:22px;
  border-radius:50%;
  background:#fff;
  border:6px solid var(--mint);
  cursor:pointer;
  box-shadow:0 2px 6px rgba(18,41,59,.2);
}
input[type="range"]::-moz-range-thumb{
  width:22px; height:22px;
  border-radius:50%;
  background:#fff;
  border:6px solid var(--mint);
  cursor:pointer;
  box-shadow:0 2px 6px rgba(18,41,59,.2);
}
input[type="range"]:focus-visible::-webkit-slider-thumb{
  outline:3px solid rgba(47,191,143,.4); outline-offset:2px;
}
.scale{ display:flex; justify-content:space-between; font-size:12px; color:var(--ink-soft); opacity:.75; margin-top:8px; }

.result{
  background:var(--bg-deep);
  border-radius:var(--r-md);
  padding:28px;
  color:#EAF2F8;
  display:flex;
  flex-direction:column;
  justify-content:center;
  gap:20px;
}
.res-main .k{ font-size:13px; color:#8FB0C6; margin-bottom:4px; }
.res-main .v{
  font-family:'Sora', sans-serif;
  font-size:clamp(32px,4vw,42px);
  font-weight:700;
  color:var(--mint);
}
.res-main .v small{ font-size:16px; font-weight:500; color:#8FB0C6; }
.res-sub{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px;
  border-top:1px solid rgba(234,242,248,.15);
  padding-top:18px;
}
.res-sub .k{ font-size:12.5px; color:#8FB0C6; margin-bottom:2px; }
.res-sub .v{ font-family:'Sora', sans-serif; font-size:18px; font-weight:600; }
.calc-fine{
  grid-column:1 / -1;
  font-size:13px;
  color:var(--ink-soft);
  margin:0;
  border-top:1px solid var(--line);
  padding-top:18px;
}

/* ---------- COMPARISON CARDS ---------- */
.lenders{ display:flex; flex-direction:column; gap:16px; }
.lender{
  background:var(--card);
  border-radius:var(--r-md);
  box-shadow:var(--shadow);
  padding:24px 28px;
  display:grid;
  grid-template-columns:1.6fr 1fr 1fr 1fr auto;
  gap:18px;
  align-items:center;
  border:2px solid transparent;
  transition:border-color .15s ease, transform .15s ease;
}
.lender:hover{ border-color:var(--mint); transform:translateY(-2px); }
.lender.featured{ border-color:var(--mint); }
@media (max-width:820px){
  .lender{ grid-template-columns:1fr 1fr; row-gap:16px; padding:22px; }
  .lender .l-name{ grid-column:1 / -1; }
  .lender .l-cta{ grid-column:1 / -1; }
}
.l-name{ display:flex; flex-direction:column; gap:6px; }
.l-name strong{ font-family:'Sora', sans-serif; font-size:18px; font-weight:600; }
.l-name .l-desc{ font-size:13px; color:var(--ink-soft); }
.l-badge{
  display:inline-flex;
  align-items:center;
  gap:6px;
  font-size:12px;
  font-weight:600;
  color:var(--mint);
  background:var(--mint-soft);
  border-radius:999px;
  padding:4px 11px;
  width:fit-content;
}
.l-stat .k{ font-size:12.5px; color:var(--ink-soft); margin-bottom:2px; }
.l-stat .v{ font-size:16px; font-weight:600; }
.l-cta{
  justify-self:end;
  text-decoration:none;
  font-weight:600;
  font-size:14.5px;
  color:var(--ink);
  background:var(--sky);
  border-radius:999px;
  padding:12px 22px;
  white-space:nowrap;
  transition:background .15s ease, color .15s ease;
}
.lender.featured .l-cta, .l-cta:hover{ background:var(--mint); color:#fff; }
.l-cta:focus-visible{ outline:3px solid rgba(47,191,143,.4); outline-offset:2px; }
@media (max-width:820px){ .l-cta{ justify-self:stretch; text-align:center; } }
.lenders-fine{ font-size:13px; color:var(--ink-soft); margin-top:16px; }

/* ---------- STEPS / CARDS GRID ---------- */
.steps{ display:grid; grid-template-columns:repeat(3,1fr); gap:16px; }
@media (max-width:820px){ .steps{grid-template-columns:1fr;} }
.step{
  background:var(--card);
  border-radius:var(--r-md);
  box-shadow:var(--shadow);
  padding:28px 24px;
}
.step-ico{
  width:46px;height:46px;
  border-radius:14px;
  background:var(--mint-soft);
  color:var(--mint);
  display:flex;align-items:center;justify-content:center;
  margin-bottom:16px;
}
.step-ico svg{width:22px;height:22px;}
.step h3{ font-size:17.5px; font-weight:600; margin:0 0 8px; }
.step p{ font-size:14.5px; color:var(--ink-soft); margin:0; }
a.step{ text-decoration:none; display:block; transition:transform .15s ease; border:2px solid transparent; }
a.step:hover{ transform:translateY(-3px); border-color:var(--mint); }
a.step .step-more{ font-size:14px; font-weight:600; color:var(--mint); margin-top:14px; display:inline-block; }

/* ---------- FAQ ---------- */
.faq{ max-width:720px; display:flex; flex-direction:column; gap:12px; }
details{
  background:var(--card);
  border-radius:var(--r-md);
  box-shadow:var(--shadow);
  padding:0;
  overflow:hidden;
}
summary{
  cursor:pointer;
  list-style:none;
  font-family:'Sora', sans-serif;
  font-weight:600;
  font-size:16px;
  padding:20px 52px 20px 24px;
  position:relative;
}
summary::-webkit-details-marker{ display:none; }
summary::after{
  content:"+";
  position:absolute;
  right:22px; top:50%;
  transform:translateY(-50%);
  font-size:22px;
  font-weight:400;
  color:var(--mint);
}
details[open] summary::after{ content:"–"; }
details .faq-body{ padding:0 24px 22px; font-size:15px; color:#33475A; }
details .faq-body p{ margin:0 0 12px; }
details .faq-body p:last-child{ margin-bottom:0; }
summary:focus-visible{ outline:3px solid rgba(47,191,143,.4); outline-offset:-3px; }

/* ---------- CTA BANNER ---------- */
.cta-banner{
  background:var(--bg-deep);
  border-radius:var(--r-lg);
  padding:40px;
  color:#EAF2F8;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  flex-wrap:wrap;
  box-shadow:var(--shadow);
}
.cta-banner h2{ font-size:24px; margin:0 0 6px; }
.cta-banner p{ margin:0; color:#8FB0C6; font-size:15px; }
.cta-banner .hero-cta{ background:var(--mint); }

/* ---------- FOOTER ---------- */
footer{
  margin-top:24px;
  padding:38px 0 54px;
  border-top:1px solid var(--line);
}
.foot-grid{
  display:flex;
  justify-content:space-between;
  gap:24px;
  flex-wrap:wrap;
}
.foot-col{ font-size:13.5px; color:var(--ink-soft); }
.foot-col strong{
  display:block;
  font-family:'Sora', sans-serif;
  font-size:14px;
  color:var(--ink);
  margin-bottom:10px;
}
.foot-col a{ display:block; text-decoration:none; margin-bottom:7px; }
.foot-col a:hover{ color:var(--mint); }
.foot-note{
  margin-top:28px;
  font-size:12.5px;
  color:var(--ink-soft);
  opacity:.85;
  max-width:720px;
}