/* okinusapply.com — bright, friendly landing system
   Soft grey canvas, white rounded panels, a sky-blue hero card,
   sunny pastel accents and black pill buttons. */

@font-face { font-family: 'Urbanist'; src: url('/assets/fonts/urbanist-var.woff2') format('woff2'); font-weight: 100 900; font-display: swap; }

:root {
  --bg: #f2f2f0;
  --white: #ffffff;
  --ink: #111111;
  --ink-2: #565a5e;
  --rule: #e4e4e1;
  --dark: #121212;

  --sky: #b6dcf7;
  --sky-2: #8fc8f0;
  --sky-soft: #dff0fd;
  --sun: #ffd93d;
  --sun-soft: #fff4c2;
  --orange: #ffa51f;
  --orange-soft: #ffe7c2;
  --coral: #ff4626;
  --coral-soft: #ffe0d9;
  --pink: #f5a2dc;
  --pink-soft: #fde4f5;
  --mint: #63e09a;
  --mint-soft: #dcf8e8;

  --font: 'Urbanist', -apple-system, 'Segoe UI', Roboto, Arial, sans-serif;
  --max: 78rem;
  --measure: 42rem;
  --gutter: clamp(1rem, 0.5rem + 2vw, 2rem);
  --space: clamp(3.5rem, 2.5rem + 4vw, 6.5rem);
  --r: 14px;
  --r-lg: 28px;
  --r-xl: 36px;
  --focus: #1b6fd1;
  --error: #b42318;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 6.5rem; }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font-family: var(--font); font-size: 1.0625rem; line-height: 1.6; font-weight: 450;
  overflow-wrap: break-word; -webkit-font-smoothing: antialiased;
}
@media (min-width: 60rem) { body { font-size: 1.125rem; } }

h1, h2, h3 { margin: 0; color: var(--ink); font-weight: 600; letter-spacing: -0.02em; }
h1 { font-size: clamp(2.4rem, 1.5rem + 3.6vw, 4.1rem); line-height: 1.05; text-wrap: balance; }
h2 { font-size: clamp(2rem, 1.4rem + 2.4vw, 3.15rem); line-height: 1.08; text-wrap: balance; }
h3 { font-size: 1.25rem; line-height: 1.3; letter-spacing: -0.01em; }
p { margin: 0 0 1em; }
a { color: var(--ink); text-decoration-thickness: 1px; text-underline-offset: 0.2em; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 6px; }
ul, ol { margin: 0; padding: 0; }
dl, dd { margin: 0; }
.muted { color: var(--ink-2); }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 var(--gutter); }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: 1rem; top: -4rem; background: var(--white); padding: 0.5rem 1rem; z-index: 50; border-radius: 999px; }
.skip:focus { top: 1rem; }
.icon { width: 1.5rem; height: 1.5rem; flex: none; }
.icon--sm { width: 1.125rem; height: 1.125rem; }
.icon--xs { width: 0.9rem; height: 0.9rem; }

/* ---------- signature details ---------- */
.label { display: inline-flex; align-items: center; gap: 0.6rem; margin: 0 0 1rem; font-size: 1rem; font-weight: 550; color: var(--ink); }
.dot { width: 0.7rem; height: 0.7rem; border-radius: 50%; flex: none; background: var(--coral); }
.dot--sun { background: var(--sun); } .dot--sky { background: #2fb6ff; } .dot--orange { background: var(--orange); }
.dot--coral { background: var(--coral); } .dot--pink { background: #e46fd0; } .dot--mint { background: var(--mint); }

/* the hand-drawn underline under one word */
.scribble { position: relative; display: inline-block; isolation: isolate; white-space: nowrap; }
.scribble::after {
  content: ''; position: absolute; z-index: -1; left: -0.04em; right: -0.08em; bottom: -0.16em; height: 0.36em;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 200 24' preserveAspectRatio='none'%3E%3Cpath d='M4 13c40-7 120-10 190-6' fill='none' stroke='%23f5a2dc' stroke-width='5' stroke-linecap='round'/%3E%3Cpath d='M22 20c40-5 95-7 140-4' fill='none' stroke='%23f5a2dc' stroke-width='4' stroke-linecap='round'/%3E%3C/svg%3E") no-repeat center / 100% 100%;
}

mark {
  color: inherit; font-weight: 650; padding: 0 0.08em;
  background: linear-gradient(transparent 52%, var(--sun) 52%, var(--sun) 92%, transparent 92%);
  -webkit-box-decoration-break: clone; box-decoration-break: clone;
}

/* round color badges holding an icon */
.badge { display: inline-grid; place-items: center; width: 3.1rem; height: 3.1rem; border-radius: 50%; flex: none; color: var(--ink); box-shadow: 0 0 0 4px var(--white); }
.badge .icon { width: 1.4rem; height: 1.4rem; }
.badge--sun { background: var(--sun); } .badge--sky { background: var(--sky); } .badge--orange { background: var(--orange); }
.badge--coral { background: var(--coral); color: #fff; } .badge--pink { background: var(--pink); } .badge--mint { background: var(--mint); }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  min-height: 3rem; padding: 0.7rem 1.5rem; border-radius: 999px; border: 0;
  font: 600 1rem/1.2 var(--font); text-decoration: none; cursor: pointer;
  transition: background-color 0.15s, transform 0.15s;
}
.btn:active { transform: translateY(1px); }
.btn--block { width: 100%; }
.btn--dark, .btn--primary { background: var(--dark); color: #fff; }
.btn--dark:hover, .btn--primary:hover { background: #333; }
.btn--sun, .btn--accent { background: var(--sun); color: var(--ink); }
.btn--sun:hover, .btn--accent:hover { background: #ffcd0a; }

.pill-cta { display: inline-flex; align-items: center; text-decoration: none; color: #fff; }
.pill-cta__text { display: inline-flex; align-items: center; min-height: 3.6rem; padding: 0 2.6rem 0 1.75rem; margin-right: -1.6rem; border-radius: 999px; background: var(--dark); font-weight: 650; font-size: 1.0625rem; }
.pill-cta__icon { display: grid; place-items: center; width: 3.6rem; height: 3.6rem; border-radius: 50%; background: var(--pink); color: var(--ink); box-shadow: 0 0 0 4px var(--dark); position: relative; transition: transform 0.2s; }
.pill-cta:hover .pill-cta__icon { transform: rotate(-12deg); }
.text-link { display: inline-flex; align-items: center; gap: 0.4rem; font-weight: 600; text-decoration: none; }
.text-link:hover { text-decoration: underline; }

/* ---------- header: floating pill, always on top ---------- */
.site-header { position: sticky; top: 0; z-index: 1000; padding: 0.75rem 0 0.6rem; background: var(--bg); }
main { position: relative; z-index: 0; isolation: isolate; } /* nothing inside main can paint over the header */
.site-header__inner { position: relative; display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap; background: var(--white); border-radius: 999px; padding: 0.55rem 0.55rem 0.55rem 1.4rem; box-shadow: 0 1px 2px rgba(0,0,0,0.04); transition: box-shadow 0.2s; }
.site-header.is-scrolled .site-header__inner { box-shadow: 0 10px 30px -12px rgba(17, 40, 60, 0.28); }
.brand { display: inline-flex; align-items: center; gap: 0.6rem; text-decoration: none; color: var(--ink); margin: 0; }
.brand__mark { display: block; width: 2.45rem; height: 2.45rem; flex: 0 0 auto; object-fit: contain; }
.brand__name { font-size: 1.5rem; font-weight: 800; letter-spacing: -0.035em; line-height: 1; }
.brand__tld { color: var(--ink-2); font-weight: 500; }
.nav-toggle { display: none; }
.site-nav { display: flex; align-items: center; gap: 1rem; }
.site-nav__list { display: flex; gap: 0.25rem; list-style: none; }
.site-nav__cta { min-height: 3rem; }

.dd__trigger { display: inline-flex; align-items: center; gap: 0.35rem; min-height: 2.75rem; padding: 0 1rem; border: 0; border-radius: 999px; background: none; font: 600 1rem var(--font); color: var(--ink); cursor: pointer; transition: background-color 0.15s; }
.dd__trigger:hover, .dd.is-open .dd__trigger { background: var(--bg); }
.dd__chev { width: 0.75rem; height: 0.75rem; transition: transform 0.2s; }
.dd.is-open .dd__chev { transform: rotate(180deg); }
.dd--active .dd__trigger { position: relative; }
.dd--active .dd__trigger::after { content: ''; position: absolute; left: 50%; bottom: 0.3rem; width: 0.35rem; height: 0.35rem; margin-left: -0.5rem; border-radius: 50%; background: var(--coral); }

.dd__panel { display: grid; gap: 1rem; }
.dd__intro { margin: 0; }
.dd__list { list-style: none; display: grid; gap: 0.2rem; }
.dd__link { display: flex; align-items: flex-start; gap: 0.75rem; padding: 0.6rem 0.7rem; border-radius: 16px; text-decoration: none; color: var(--ink); transition: background-color 0.15s; }
.dd__link:hover, .dd__link[aria-current] { background: var(--bg); }
.dd__link strong { display: block; font-size: 0.98rem; font-weight: 650; line-height: 1.3; }
.dd__link small { display: block; font-size: 0.85rem; color: var(--ink-2); line-height: 1.35; }
.dd__link[aria-current] strong::after { content: ' ·  You’re here'; font-weight: 600; font-size: 0.75rem; color: var(--coral); }
.dd__icon { display: grid; place-items: center; flex: none; width: 2.2rem; height: 2.2rem; border-radius: 50%; }
.dd__icon--sun { background: var(--sun); } .dd__icon--sky { background: var(--sky); } .dd__icon--pink { background: var(--pink); } .dd__icon--mint { background: var(--mint); } .dd__icon--orange { background: var(--orange); }
.dd__cta { display: inline-flex; align-items: center; gap: 0.4rem; justify-self: start; padding: 0.7rem 1.2rem; border-radius: 999px; background: var(--sun); color: var(--ink); font-weight: 700; text-decoration: none; }
.dd__cta:hover { background: #ffcd0a; }

/* desktop: mega-menu card under the pill */
@media (min-width: 62.01rem) {
  .dd__panel {
    position: absolute; top: calc(100% + 0.75rem); left: 50%; width: min(44rem, calc(100vw - 2rem)); transform: translate(-50%, 0.4rem);
    grid-template-columns: 13rem 1fr; align-items: start; padding: 0.75rem; border-radius: 28px; background: var(--white);
    box-shadow: 0 24px 60px -20px rgba(17, 40, 60, 0.35), 0 0 0 1px rgba(0,0,0,0.04);
    opacity: 0; visibility: hidden; transition: opacity 0.16s, transform 0.16s, visibility 0s 0.16s;
  }
  .dd__panel::before { content: ''; position: absolute; left: 0; right: 0; top: -0.9rem; height: 0.9rem; } /* hover bridge */
  .dd.is-open .dd__panel { opacity: 1; visibility: visible; transform: translate(-50%, 0); transition: opacity 0.16s, transform 0.16s; }
  .dd__intro { grid-row: 1 / span 2; align-self: stretch; padding: 1.1rem; border-radius: 20px; background: var(--sky); font-weight: 600; font-size: 1.02rem; line-height: 1.35; }
  #dd-learn .dd__intro { background: var(--sun); } #dd-compare .dd__intro { background: var(--pink); } #dd-about .dd__intro { background: var(--mint); }
  .dd__list--2 { grid-template-columns: 1fr 1fr; }
  .dd__cta { margin: 0 0 0.25rem 0.7rem; }
}

@media (max-width: 62rem) {
  .site-header__inner { border-radius: 26px; padding: 0.55rem 0.55rem 0.55rem 1.1rem; }
  .js .nav-toggle { display: inline-flex; align-items: center; gap: 0.55rem; min-height: 2.75rem; padding: 0 1.1rem; border: 0; border-radius: 999px; background: var(--bg); font: 650 0.95rem var(--font); color: var(--ink); cursor: pointer; }
  .nav-toggle__bars, .nav-toggle__bars::before, .nav-toggle__bars::after { display: block; width: 1rem; height: 2px; border-radius: 2px; background: currentColor; transition: transform 0.2s, background-color 0.2s; }
  .nav-toggle__bars { position: relative; }
  .nav-toggle__bars::before, .nav-toggle__bars::after { content: ''; position: absolute; left: 0; }
  .nav-toggle__bars::before { top: -5px; } .nav-toggle__bars::after { top: 5px; }
  .nav-toggle[aria-expanded="true"] .nav-toggle__bars { background: transparent; }
  .nav-toggle[aria-expanded="true"] .nav-toggle__bars::before { transform: translateY(5px) rotate(45deg); }
  .nav-toggle[aria-expanded="true"] .nav-toggle__bars::after { transform: translateY(-5px) rotate(-45deg); }
  .site-nav { width: 100%; flex-direction: column; align-items: stretch; gap: 0.75rem; padding: 0.25rem 0.25rem 0.5rem; max-height: calc(100dvh - 6.5rem); overflow-y: auto; overscroll-behavior: contain; }
  .js .site-nav { display: none; }
  .js .site-nav.is-open { display: flex; }
  .site-nav__list { flex-direction: column; gap: 0; }
  .site-nav__list > li { border-bottom: 1px solid var(--rule); }
  .dd__trigger { width: 100%; justify-content: space-between; padding: 0 0.5rem; min-height: 3.25rem; font-size: 1.05rem; border-radius: 14px; }
  .dd--active .dd__trigger::after { display: none; }
  .js .dd__panel { display: none; }
  .dd.is-open .dd__panel { display: grid; padding: 0 0 0.75rem; }
  .dd__intro { display: none; }
}

/* ---------- back to top + reading position ---------- */
.to-top { position: fixed; right: max(1rem, env(safe-area-inset-right)); bottom: max(1rem, env(safe-area-inset-bottom)); z-index: 900; display: flex; align-items: center; gap: 0.6rem; opacity: 0; transform: translateY(1rem) scale(0.9); pointer-events: none; transition: opacity 0.2s, transform 0.2s; }
.to-top.is-visible { opacity: 1; transform: none; pointer-events: auto; }
.to-top__where { display: flex; align-items: center; gap: 0.55rem; margin: 0; max-width: 17rem; padding: 0.45rem 0.9rem 0.45rem 0.45rem; border-radius: 999px; background: var(--white); box-shadow: 0 10px 30px -10px rgba(17, 40, 60, 0.35); font-size: 0.85rem; font-weight: 600; }
.to-top__pct { flex: none; padding: 0.2rem 0.55rem; border-radius: 999px; background: var(--sun); font-weight: 800; font-variant-numeric: tabular-nums; font-size: 0.8rem; }
.to-top__sec { overflow: hidden; white-space: nowrap; text-overflow: ellipsis; }
.to-top__btn { position: relative; display: grid; place-items: center; width: 3.5rem; height: 3.5rem; border: 0; border-radius: 50%; background: var(--dark); color: var(--sun); cursor: pointer; box-shadow: 0 12px 28px -10px rgba(0,0,0,0.5); transition: transform 0.15s; }
.to-top__btn:hover { transform: translateY(-2px); }
.to-top__arrow { width: 1.35rem; height: 1.35rem; }
.to-top__ring { position: absolute; inset: 0; width: 100%; height: 100%; transform: rotate(-90deg); }
.to-top__track, .to-top__bar { fill: none; stroke-width: 3.5; }
.to-top__track { stroke: rgba(255,255,255,0.14); }
.to-top__bar { stroke: var(--pink); stroke-linecap: round; stroke-dasharray: 131.95; stroke-dashoffset: 131.95; }
@media (max-width: 40rem) { .to-top__sec { display: none; } .to-top__where { padding: 0.35rem; } }

/* ---------- hero ---------- */
.hero-wrap { padding: 1.25rem 0 0; }
.hero {
  position: relative; overflow: hidden; display: grid; gap: 2.5rem; align-items: center;
  background: var(--sky); border-radius: var(--r-xl); padding: clamp(2.25rem, 1.5rem + 4vw, 6rem) clamp(1.5rem, 1rem + 3vw, 4rem) clamp(2rem, 1rem + 3vw, 4rem);
}
@media (min-width: 64rem) { .hero { grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr); min-height: 40rem; } }
.hero__main { position: relative; z-index: 2; }
.hero h1 { max-width: 17ch; }
.hero__lead { max-width: 34rem; margin: 1.5rem 0 2.25rem; font-size: clamp(1.05rem, 1rem + 0.3vw, 1.2rem); color: #2e3a44; }
.hero__actions { display: flex; flex-wrap: wrap; align-items: center; gap: 1.25rem 2.25rem; }
.hero__fine { display: flex; align-items: center; gap: 0.5rem; margin: 1.75rem 0 0; font-size: 0.95rem; font-weight: 550; color: #23313b; }

/* hero illustration */
.hero-art { position: relative; min-height: 26rem; display: grid; place-items: center; }
@media (min-width: 64rem) { .hero-art { min-height: 34rem; } }
.hero-art__sun { position: absolute; width: min(30rem, 92%); aspect-ratio: 1; border-radius: 50%; background: radial-gradient(circle at 40% 35%, #fff6c9, var(--sun) 70%); }
.hero-art__ring { position: absolute; width: min(36rem, 110%); aspect-ratio: 1; border-radius: 50%; border: 2px dashed rgba(255,255,255,0.7); }
.phone {
  position: relative; z-index: 1; width: 15.5rem; padding: 2.4rem 1.25rem 1.4rem; border-radius: 34px;
  background: var(--white); box-shadow: 0 30px 60px rgba(20, 70, 110, 0.25), 0 0 0 8px var(--dark); transform: rotate(-4deg);
}
.phone__notch { position: absolute; top: 0.7rem; left: 50%; width: 4.5rem; height: 0.9rem; margin-left: -2.25rem; border-radius: 999px; background: var(--dark); }
.phone__label { margin: 0; font-size: 0.85rem; font-weight: 600; color: var(--ink-2); }
.phone__amount { margin: 0 0 0.9rem; font-size: 2.6rem; font-weight: 750; letter-spacing: -0.03em; line-height: 1.1; }
.phone__track { height: 0.55rem; border-radius: 999px; background: var(--bg); overflow: hidden; }
.phone__track span { display: block; height: 100%; border-radius: 999px; background: var(--pink); }
.phone__range { display: flex; justify-content: space-between; margin: 0.35rem 0 1rem; font-size: 0.75rem; color: var(--ink-2); font-weight: 600; }
.phone__chips { display: flex; flex-wrap: wrap; gap: 0.4rem; margin-bottom: 1.2rem; }
.phone__chips span { display: inline-flex; align-items: center; gap: 0.25rem; padding: 0.3rem 0.6rem; border-radius: 999px; background: var(--bg); font-size: 0.75rem; font-weight: 650; }
.phone__chips .is-on { background: var(--sky); }
.phone__btn { display: grid; place-items: center; height: 2.6rem; border-radius: 999px; background: var(--dark); color: #fff; font-size: 0.9rem; font-weight: 650; }
.float { position: absolute; z-index: 2; display: flex; align-items: center; gap: 0.7rem; padding: 0.75rem 1rem 0.75rem 0.75rem; border-radius: 20px; background: var(--white); box-shadow: 0 14px 30px rgba(20, 70, 110, 0.18); border: 3px solid var(--white); }
.float strong { display: block; font-size: 0.95rem; line-height: 1.2; }
.float span:not(.badge) { display: block; font-size: 0.8rem; color: var(--ink-2); font-weight: 550; }
.float--a { top: 8%; left: 2%; transform: rotate(-5deg); }
.float--b { bottom: 12%; right: 0; transform: rotate(4deg); }
.float--c { bottom: 3%; left: 6%; padding: 0.55rem 0.9rem; border-radius: 999px; font-size: 0.85rem; font-weight: 650; background: var(--mint); border-color: var(--mint); }
@media (prefers-reduced-motion: no-preference) {
  .float--a { animation: bob 6s ease-in-out infinite; }
  .float--b { animation: bob 7s ease-in-out infinite reverse; }
}
@keyframes bob { 50% { translate: 0 -8px; } }
.nowrap { white-space: nowrap; }
@media (max-width: 40rem) {
  .hero-art { min-height: 30rem; align-content: start; padding-top: 3.5rem; }
  .phone { width: 13rem; }
  .float--a { top: 0; left: 0; }
  .float--b { bottom: 0; right: 0; }
  .float--c { display: none; }
}

/* ---------- marquee ---------- */
.marquee { overflow: hidden; padding: 1.5rem 0 0; mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent); }
.marquee__track { display: flex; width: max-content; }
.marquee ul { display: flex; gap: 0.9rem; padding-right: 0.9rem; list-style: none; }
.marquee li { display: inline-flex; align-items: center; gap: 0.6rem; padding: 0.85rem 1.4rem; border-radius: 999px; background: var(--white); font-size: 1.1rem; font-weight: 550; white-space: nowrap; }
@media (prefers-reduced-motion: no-preference) {
  .marquee__track { animation: marquee 38s linear infinite; }
  .marquee:hover .marquee__track { animation-play-state: paused; }
}
@media (prefers-reduced-motion: reduce) {
  .marquee { mask-image: none; }
  .marquee__track { width: auto; justify-content: center; }
  .marquee ul { flex-wrap: wrap; justify-content: center; padding: 0 var(--gutter); }
  .marquee ul[aria-hidden] { display: none; }
}
@keyframes marquee { to { transform: translateX(-50%); } }

/* ---------- section scaffolding ---------- */
.section { padding: var(--space) 0 0; }
.section--tight { padding-top: calc(var(--space) * 0.8); }
.panel { background: var(--white); border-radius: var(--r-xl); padding: clamp(1.75rem, 1rem + 3vw, 3.5rem); }
.section-head { max-width: 46rem; margin-bottom: clamp(2rem, 1.5rem + 2vw, 3.5rem); }
.section-head h2 { margin-bottom: 1rem; }
.section-head p { margin: 0; }
.section-head--center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head--split { max-width: none; display: flex; flex-wrap: wrap; gap: 1.5rem; align-items: flex-end; justify-content: space-between; }
.section-head--split h2 { margin: 0; }
.answer { font-size: 1.1em; line-height: 1.6; }
.cite { display: block; font-size: 0.8125rem; color: var(--ink-2); line-height: 1.5; margin-top: 0.6rem; }
.cite a { color: var(--ink-2); }
.center-cite { text-align: center; margin: 1.5rem 0 0; }
.note { max-width: 44rem; margin: 2.5rem auto 0; text-align: center; font-size: 0.95rem; color: var(--ink-2); }

/* about: text + pill tags */
.about { display: grid; gap: 3rem; align-items: center; }
@media (min-width: 62rem) { .about { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 5rem; } }
.about h2 { margin-bottom: 1.25rem; }
.about__caption { font-weight: 650; margin-bottom: 1rem; }
.tags { list-style: none; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0.8rem; }
.tags li { display: flex; align-items: center; gap: 0.7rem; padding: 1rem 1.25rem; border-radius: 999px; background: var(--white); font-size: clamp(1rem, 0.9rem + 0.4vw, 1.25rem); font-weight: 550; }
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.8rem; margin-top: 0.8rem; }
.stats div { padding: 1.1rem 1.2rem; border-radius: var(--r-lg); background: var(--sun); }
.stats div:nth-child(2) { background: var(--pink); }
.stats div:nth-child(3) { background: var(--mint); }
.stats dt { font-size: 0.8rem; font-weight: 600; }
.stats dd { font-size: clamp(1.15rem, 0.95rem + 0.8vw, 1.5rem); font-weight: 750; letter-spacing: -0.02em; }

/* at a glance: sticky heading + stacked items */
.sticky-split { display: grid; gap: 2rem; }
@media (min-width: 62rem) {
  .sticky-split { grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.25fr); gap: 4rem; align-items: start; }
  .sticky-split__head { position: sticky; top: 7.5rem; }
}
.sticky-split__head h2 { margin-bottom: 1rem; }
.glance { display: grid; gap: 0.9rem; }
@media (min-width: 40rem) and (max-width: 61.99rem) { .glance { grid-template-columns: 1fr 1fr; } }
.glance__item { display: flex; gap: 1.1rem; align-items: flex-start; padding: 1.3rem; border-radius: 22px; background: var(--bg); }
.glance__item h3 { font-size: 1.1rem; margin-bottom: 0.25rem; }
.glance__item p { margin: 0; color: var(--ink-2); font-size: 0.98rem; line-height: 1.55; }

/* steps */
.steps { list-style: none; display: grid; gap: 1.25rem; }
@media (min-width: 44rem) { .steps { grid-template-columns: 1fr 1fr; } }
@media (min-width: 72rem) { .steps { grid-template-columns: repeat(4, 1fr); } }
.steps__item { background: var(--white); border-radius: var(--r-lg); padding: 1.6rem; }
.steps__top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 2.25rem; }
.steps__num { padding: 0.3rem 0.8rem; border-radius: 999px; background: var(--bg); font-size: 0.85rem; font-weight: 700; }
.steps__item h3 { margin-bottom: 0.5rem; }
.steps__item p { margin: 0; color: var(--ink-2); font-size: 0.98rem; }

/* feature: text + media card */
.feature { display: grid; gap: 2.5rem; align-items: center; }
@media (min-width: 62rem) { .feature { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 4rem; } }
.feature h2 { margin-bottom: 1.25rem; }
.feature__media { border-radius: var(--r-lg); padding: clamp(1rem, 0.5rem + 2vw, 2.25rem); }
.feature__media--sun { background: var(--sun); }
.ticks { list-style: none; display: grid; gap: 0.8rem; margin: 1.5rem 0 0.5rem; }
.ticks li { display: flex; gap: 0.75rem; align-items: flex-start; }
.ticks .icon { padding: 3px; width: 1.5rem; height: 1.5rem; border-radius: 50%; background: var(--mint); margin-top: 0.1rem; }

.calc { background: var(--white); border-radius: 22px; padding: 1.6rem; }
.calc h3 { font-size: 1.4rem; margin-bottom: 0.25rem; }
.calc__note { font-size: 0.875rem; color: var(--ink-2); }
.calc__result { margin-top: 1.1rem; padding: 1rem 1.2rem; background: var(--sky-soft); border-radius: 16px; }
.calc__empty { font-size: 0.875rem; color: var(--ink-2); margin: 0; }
.calc__out { display: grid; gap: 0.5rem; }
.calc__out div { display: flex; justify-content: space-between; gap: 1rem; align-items: baseline; }
.calc__out dt { font-size: 0.95rem; color: var(--ink-2); }
.calc__out dd { font-weight: 750; font-variant-numeric: tabular-nums; font-size: 1.15rem; }
.calc__out div:first-child dd { font-size: 1.6rem; }

.field { margin-bottom: 1rem; }
.field-row { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 0.9rem; align-items: end; }
label { display: block; font-weight: 650; font-size: 0.95rem; margin-bottom: 0.35rem; }
.optional { font-weight: 500; color: var(--ink-2); }
input[type='number'], select { width: 100%; min-height: 3.1rem; padding: 0.6rem 0.9rem; font: 500 1rem var(--font); color: var(--ink); background: var(--bg); border: 2px solid transparent; border-radius: 14px; }
input[type='number']:focus-visible, select:focus-visible { outline: none; border-color: var(--ink); background: var(--white); }
.money { position: relative; }
.money span { position: absolute; left: 0.9rem; top: 50%; transform: translateY(-50%); color: var(--ink-2); pointer-events: none; font-weight: 600; }
.money input { padding-left: 1.75rem; }

/* lease vs loan */
.versus { display: grid; gap: 1rem; align-items: stretch; }
@media (min-width: 56rem) { .versus { grid-template-columns: 1fr auto 1fr; gap: 1.25rem; } }
.versus__col { background: var(--white); border-radius: var(--r-lg); overflow: hidden; }
.versus__head { display: flex; align-items: center; gap: 0.8rem; padding: 1.25rem 1.5rem; font-size: 1.2rem; }
.versus__col--lease .versus__head { background: var(--sun-soft); }
.versus__col--loan .versus__head { background: var(--mint-soft); }
.versus__row { padding: 0.95rem 1.5rem; border-top: 1px solid var(--rule); }
.versus__row dt { font-size: 0.82rem; font-weight: 700; color: var(--ink-2); }
.versus__vs { display: none; }
@media (min-width: 56rem) { .versus__vs { display: grid; place-self: center; place-items: center; width: 3.5rem; height: 3.5rem; border-radius: 50%; background: var(--pink); font-weight: 800; font-size: 1.1rem; } }
.versus__note { max-width: 46rem; margin: 2rem auto 0; text-align: center; color: var(--ink-2); }

/* cash + form */
.cash { display: grid; gap: 2.5rem; padding: clamp(1.75rem, 1rem + 3vw, 3.5rem); border-radius: var(--r-xl); background: var(--pink-soft); }
@media (min-width: 62rem) { .cash { grid-template-columns: minmax(0, 1fr) minmax(0, 30rem); gap: 4rem; align-items: start; } }
.cash h2 { margin-bottom: 1rem; }
.cash__lead { font-size: 1.15rem; max-width: 34rem; margin-bottom: 2rem; }
.flow { list-style: none; display: grid; gap: 0.9rem; }
.flow__item { display: flex; gap: 1rem; align-items: center; padding: 1.1rem 1.25rem; border-radius: 22px; background: var(--white); }
.flow__item h3 { font-size: 1.1rem; }
.flow__item p { margin: 0; color: var(--ink-2); font-size: 0.95rem; }

.loan-panel { background: var(--white); border-radius: var(--r-lg); padding: clamp(1.25rem, 1rem + 1.5vw, 2rem); box-shadow: 0 20px 50px rgba(160, 60, 130, 0.15); }
.loan-panel__note { display: block; margin: 0; padding: 0.6rem 1.25rem; font-size: 0.8rem; line-height: 1.4; color: var(--ink-2); text-align: center; }
.loan-panel__note a { color: var(--ink-2); }
.loan-panel__note .icon { display: inline-block; vertical-align: -0.15em; margin-right: 0.3rem; }
.loan-panel__terms { margin: 1rem 0.5rem 0; font-size: 0.78rem; line-height: 1.55; color: #3b4650; }
.loan-panel__terms a { color: inherit; }
.lg-embed { min-height: 30rem; padding: 0.5rem clamp(0.75rem, 0.5rem + 1vw, 1.5rem) 1.25rem; }
.lg-embed #_lg_form_ { max-width: 100%; overflow-x: auto; }
.lg-embed__fallback { font-size: 0.875rem; color: var(--ink-2); text-align: center; }

/* clean "secure application" card (/apply/) */
.loan-panel--secure { padding: 0; overflow: hidden; border-radius: 24px; box-shadow: 0 28px 70px -28px rgba(17, 60, 100, 0.45), 0 0 0 1px rgba(0,0,0,0.04); }
.secure-bar { display: flex; align-items: center; justify-content: space-between; gap: 0.75rem; padding: 1rem 1.25rem; border-bottom: 1px solid var(--rule); }
.secure-bar__title { white-space: nowrap; display: inline-flex; align-items: center; gap: 0.5rem; font-size: 0.78rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; }
.secure-bar__title .icon { color: #1f9d55; }
.secure-bar__chip { padding: 0.3rem 0.75rem; border-radius: 999px; background: var(--sun-soft); font-size: 0.8rem; font-weight: 700; white-space: nowrap; }
@media (max-width: 30rem) { .secure-bar { padding: 0.85rem 1rem; } .secure-bar__title { font-size: 0.7rem; letter-spacing: 0.12em; } .trust-strip { gap: 0.35rem 1rem; letter-spacing: 0.1em; } }
.trust-strip { list-style: none; display: flex; flex-wrap: wrap; justify-content: center; gap: 0.35rem 1.75rem; margin: 0; padding: 0.95rem 1rem; background: #f6f5f0; border-top: 1px solid var(--rule); font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: #4a4f55; }

/* homepage payment estimator */
.est { position: relative; padding: clamp(1.25rem, 1rem + 1.5vw, 2rem); border-radius: 26px; background: var(--white); box-shadow: 0 24px 60px -24px rgba(160, 60, 130, 0.4); }
.est__h { margin: 0; font-size: 1rem; letter-spacing: 0; font-weight: 700; }
.est__h label { display: inline; margin: 0; font: inherit; }
.est__amount { display: block; margin: 0.35rem 0 0.9rem; font-size: clamp(2.8rem, 2rem + 3vw, 3.8rem); font-weight: 600; line-height: 1; letter-spacing: -0.03em; font-variant-numeric: tabular-nums; }
.est__range { --p: 50%; -webkit-appearance: none; appearance: none; width: 100%; height: 1.5rem; margin: 0; background: transparent; cursor: pointer; }
.est__range::-webkit-slider-runnable-track { height: 6px; border-radius: 999px; background: linear-gradient(90deg, var(--dark) var(--p), #e3e3df var(--p)); }
.est__range::-moz-range-track { height: 6px; border-radius: 999px; background: #e3e3df; }
.est__range::-moz-range-progress { height: 6px; border-radius: 999px; background: var(--dark); }
.est__range::-webkit-slider-thumb { -webkit-appearance: none; width: 1.5rem; height: 1.5rem; margin-top: -9px; border-radius: 50%; background: var(--dark); border: 4px solid var(--white); box-shadow: 0 0 0 2px var(--dark), 0 4px 10px rgba(0,0,0,0.25); }
.est__range::-moz-range-thumb { width: 1rem; height: 1rem; border-radius: 50%; background: var(--dark); border: 4px solid var(--white); box-shadow: 0 0 0 2px var(--dark); }
.est__range:focus-visible { outline: 3px solid var(--focus); outline-offset: 4px; border-radius: 8px; }
.est__ends { display: flex; justify-content: space-between; margin-top: 0.2rem; font-size: 0.85rem; color: var(--ink-2); }
.est__row { display: grid; gap: 1rem; margin-top: 1.25rem; }
@media (min-width: 30rem) { .est__row { grid-template-columns: auto minmax(0, 1fr); align-items: end; } }
.est__terms { min-width: 0; margin: 0; padding: 0; border: 0; }
.est__terms legend, .est__freq label { display: block; padding: 0; margin-bottom: 0.45rem; font-size: 0.95rem; font-weight: 700; }
.est__seg { display: flex; gap: 0.4rem; }
.est__seg label { margin: 0; }
.est__seg input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.est__seg span { display: grid; place-items: center; min-width: 3.4rem; height: 2.9rem; padding: 0 0.6rem; border: 1.5px solid #dcdcd7; border-radius: 12px; font-weight: 650; font-size: 0.95rem; cursor: pointer; transition: background-color 0.15s, color 0.15s, border-color 0.15s; }
.est__seg input:checked + span { background: var(--dark); border-color: var(--dark); color: #fff; }
.est__seg input:focus-visible + span { outline: 3px solid var(--focus); outline-offset: 2px; }
.est__freq select { min-height: 2.9rem; background: var(--white); border: 1.5px solid #dcdcd7; border-radius: 12px; }
.est__result { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 0.5rem 1rem; margin-top: 1.25rem; padding: 1.1rem 1.25rem; border-radius: 18px; background: #f6f5f0; border: 1px solid #ecebe6; }
.est__pay { margin: 0; }
.est__pay strong { font-size: 2rem; font-weight: 650; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.est__pay span { color: var(--ink-2); font-size: 0.95rem; }
.est__meta { margin: 0; text-align: right; font-size: 0.9rem; line-height: 1.5; color: var(--ink-2); font-variant-numeric: tabular-nums; }
.est__apr { display: inline; margin: 0; font: inherit; }
.est__apr input { width: 4.4rem; min-height: 0; padding: 0.05rem 0.3rem; border: 1px dashed #b9b9b3; border-radius: 6px; background: var(--white); font: inherit; color: var(--ink); text-align: right; }
.est__btn { display: flex; align-items: center; justify-content: center; gap: 0.35rem; width: 100%; min-height: 3.5rem; margin-top: 1rem; border: 0; border-radius: 14px; background: var(--dark); color: #fff; font: 700 1.1rem var(--font); cursor: pointer; transition: background-color 0.15s, transform 0.15s; }
.est__btn:hover { background: #333; }
.est__btn:active { transform: translateY(1px); }
.est__note { margin: 0.9rem 0 0.4rem; font-size: 0.92rem; font-weight: 600; color: #1f7a45; }
.est__fine { margin: 0; font-size: 0.78rem; line-height: 1.5; color: var(--ink-2); }

/* loan types: services cards with a badge on the top edge */
.services { display: grid; gap: 2.5rem 1.25rem; padding-top: 1.5rem; }
@media (min-width: 44rem) { .services { grid-template-columns: 1fr 1fr; } }
@media (min-width: 72rem) { .services { grid-template-columns: repeat(3, 1fr); } }
.service { position: relative; display: flex; flex-direction: column; align-items: center; text-align: center; padding: 3rem 1.5rem 1.5rem; border-radius: var(--r-lg); background: var(--bg); }
.service > .badge { position: absolute; top: -1.55rem; left: 50%; margin-left: -1.55rem; }
.service h3 { margin-bottom: 0.6rem; }
.service p { color: var(--ink-2); font-size: 0.98rem; }
.service__check { font-size: 0.9rem !important; }
.service__check strong { color: var(--ink); }
.service .btn { margin-top: auto; }
.service--cta { background: var(--sky); justify-content: center; padding-top: 1.5rem; }
.service--cta h3 { font-size: 1.5rem; }
.service--cta p { color: #23313b; }

/* by need */
.needs { display: grid; gap: 1rem; }
@media (min-width: 44rem) { .needs { grid-template-columns: 1fr 1fr; } }
@media (min-width: 72rem) { .needs { grid-template-columns: repeat(5, 1fr); } }
.need { display: flex; flex-direction: column; padding: 1.5rem; border-radius: var(--r-lg); text-decoration: none; color: var(--ink); transition: transform 0.15s; }
.need:hover { transform: translateY(-3px); }
.need--sun { background: var(--sun); } .need--sky { background: var(--sky); } .need--orange { background: var(--orange); }
.need--coral { background: var(--coral-soft); } .need--pink { background: var(--pink); } .need--mint { background: var(--mint); }
.need__icon { display: grid; place-items: center; width: 3rem; height: 3rem; border-radius: 50%; background: var(--white); margin-bottom: 1.5rem; }
.need__q { font-weight: 700; font-size: 1.1rem; line-height: 1.3; margin-bottom: 0.5rem; }
.need__a { font-size: 0.95rem; margin-bottom: 1.25rem; }
.need__link { margin-top: auto; display: inline-flex; align-items: center; gap: 0.35rem; font-weight: 700; font-size: 0.95rem; }

/* topics */
.topics { display: grid; gap: 1rem; }
@media (min-width: 40rem) { .topics { grid-template-columns: 1fr 1fr; } }
@media (min-width: 72rem) { .topics { grid-template-columns: repeat(4, 1fr); } }
.topic { display: flex; flex-direction: column; padding: 1.4rem; border-radius: 22px; background: var(--bg); text-decoration: none; color: var(--ink); transition: background-color 0.15s; }
.topic:hover { background: var(--sky-soft); }
.topic .badge { margin-bottom: 1.25rem; }
.topic h3 { font-size: 1.1rem; margin-bottom: 0.35rem; }
.topic p { font-size: 0.95rem; color: var(--ink-2); margin-bottom: 1rem; }
.topic__link { margin-top: auto; display: inline-flex; align-items: center; gap: 0.35rem; font-weight: 700; font-size: 0.95rem; }

/* FAQ */
.faq-wrap { display: grid; gap: 2.5rem; }
@media (min-width: 62rem) { .faq-wrap { grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.25fr); gap: 4rem; align-items: start; } .faq-side { position: sticky; top: 7.5rem; } }
.faq-side h2 { margin-bottom: 2rem; }
.cta-card { padding: 1.6rem; border-radius: var(--r-lg); background: var(--sky); background-image: radial-gradient(circle at 92% 20%, rgba(255,255,255,0.55) 0 2.2rem, transparent 2.3rem), radial-gradient(circle at 80% 75%, rgba(255,255,255,0.4) 0 1.4rem, transparent 1.5rem); }
.cta-card h3 { font-size: 1.35rem; margin-bottom: 0.5rem; }
.cta-card p { color: #23313b; font-size: 0.98rem; margin-bottom: 1.4rem; }
.faq { display: grid; gap: 0.9rem; }
.qa { background: var(--white); border-radius: 22px; }
.qa summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: 1.3rem 1.4rem; }
.qa summary::-webkit-details-marker { display: none; }
.qa summary h3 { font-size: 1.12rem; font-weight: 600; }
.qa summary::after { content: '+'; flex: none; display: grid; place-items: center; width: 2.6rem; height: 2.6rem; border-radius: 50%; background: var(--dark); color: var(--sun); font: 500 1.6rem/1 var(--font); }
.qa[open] summary::after { content: '−'; color: #fff; }
.qa__body { padding: 0 1.4rem 1.4rem; }
.qa__body p { margin: 0; color: var(--ink-2); }

/* education */
.edu { list-style: none; display: grid; gap: 0.9rem; }
@media (min-width: 44rem) { .edu { grid-template-columns: 1fr 1fr; } }
@media (min-width: 72rem) { .edu { grid-template-columns: repeat(3, 1fr); } }
.edu a { display: flex; gap: 0.9rem; align-items: flex-start; height: 100%; padding: 1.2rem 1.3rem; border-radius: 22px; background: var(--white); color: var(--ink-2); text-decoration: none; font-size: 0.95rem; }
.edu a:hover strong { text-decoration: underline; }
.edu .dot { margin-top: 0.45rem; }
.edu strong { display: block; color: var(--ink); font-size: 1.05rem; }
.edu em { display: block; font-style: normal; font-size: 0.8rem; font-weight: 700; color: var(--ink); margin-bottom: 0.2rem; }

/* final CTA with colored tiles */
.final { display: grid; gap: 3rem; align-items: center; padding-bottom: var(--space); }
@media (min-width: 62rem) { .final { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 4rem; } }
.final h2 { margin-bottom: 1.25rem; max-width: 14ch; }
.final p { max-width: 30rem; margin-bottom: 2rem; }
.tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; align-items: start; }
.tile { display: flex; flex-direction: column; justify-content: space-between; min-height: 12rem; padding: 1.4rem; border-radius: var(--r-lg); font-weight: 700; font-size: 1.15rem; }
.tile--2 { min-height: 15rem; } .tile--3 { min-height: 15rem; margin-top: -3rem; }
.tile__icon { width: 3rem; height: 3rem; }
.tile--sky { background: var(--sky); } .tile--pink { background: var(--pink); } .tile--sun { background: var(--sun); } .tile--mint { background: var(--mint); }

/* sources */
.sources-sec { padding: 0 0 3rem; }
.sources-box { border-top: 1px solid #d8d8d4; padding-top: 1.5rem; font-size: 0.95rem; color: var(--ink-2); }
.sources-box summary { cursor: pointer; display: flex; flex-wrap: wrap; align-items: baseline; gap: 0.5rem 1rem; }
.sources-box summary h2 { font-size: 1rem; letter-spacing: 0; display: inline; }
.sources-box summary span { font-size: 0.875rem; }
.sources-box > p { margin-top: 1rem; }
.sources { padding-left: 1.25rem; display: grid; gap: 0.4rem; font-size: 0.875rem; }
.sources a { color: var(--ink-2); }

/* ---------- footer ---------- */
.site-footer { background: var(--dark); color: #b9bcc0; padding: 4rem 0 2rem; font-size: 0.95rem; border-radius: var(--r-xl) var(--r-xl) 0 0; }
.site-footer a { color: #fff; }
.site-footer .brand { color: #fff; margin-bottom: 1rem; }
.site-footer .brand__tld { color: #b9bcc0; }
.site-footer .btn--accent, .site-footer .btn--sun { color: var(--ink); }
.site-footer__top { display: grid; gap: 2.5rem; padding-bottom: 2.5rem; border-bottom: 1px solid rgba(255,255,255,0.12); }
@media (min-width: 48rem) { .site-footer__top { grid-template-columns: 1fr 1fr 1fr; } .site-footer__about { grid-column: 1 / -1; } }
@media (min-width: 72rem) { .site-footer__top { grid-template-columns: 1.6fr 1.2fr 1fr 0.9fr 0.9fr; } .site-footer__about { grid-column: auto; } }
.site-footer__about p { max-width: 26rem; }
.site-footer__h { margin: 0 0 0.6rem; color: #fff; font-weight: 700; }
.site-footer__nav ul { list-style: none; display: grid; gap: 0.5rem; }
.site-footer__legal { display: grid; gap: 1.5rem 3rem; padding: 2.5rem 0; font-size: 0.85rem; line-height: 1.6; }
@media (min-width: 48rem) { .site-footer__legal { grid-template-columns: 1fr 1fr; } }
.site-footer__legal p { margin: 0; }
.site-footer__legal .site-footer__h { font-size: 0.92rem; margin-bottom: 0.35rem; }
.site-footer__copy { margin: 0; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,0.12); font-size: 0.85rem; }

/* ---------- inner pages ---------- */
.page-head { padding: 1.25rem 0 0; }
.page-head > .wrap { background: var(--sky); border-radius: var(--r-xl); padding: clamp(2.5rem, 2rem + 3vw, 4.5rem) clamp(1.5rem, 1rem + 3vw, 4rem); }
.page-head h1 { font-size: clamp(2.2rem, 1.5rem + 2.6vw, 3.4rem); margin-bottom: 1rem; }
.page-head .lead { font-size: 1.15rem; max-width: 40rem; margin: 0; color: #23313b; }
.wrap.prose { max-width: var(--max); }
.wrap.prose > * { max-width: var(--measure); }
.page-body { padding: 2rem 0 var(--space); }
.page-body > .wrap { background: var(--white); border-radius: var(--r-xl); padding: clamp(1.75rem, 1rem + 3vw, 3.5rem); }
.page-body h2 { font-size: clamp(1.5rem, 1.2rem + 1vw, 2rem); margin: 2.25rem 0 0.9rem; }
.page-body h2:first-child { margin-top: 0; }
.page-body ul { padding-left: 1.25rem; margin-bottom: 1em; }
.page-body li { margin-bottom: 0.375rem; }
.meta { font-size: 0.875rem; color: var(--ink-2); }
.todo { background: #fff6d6; border: 1px dashed #c9a400; padding: 0.1rem 0.4rem; border-radius: 6px; }

/* ---------- guide pages (article template) ---------- */
.crumbs { padding-top: 1.1rem; font-size: 0.9rem; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 0.25rem 0.5rem; color: var(--ink-2); }
.crumbs li + li::before { content: '/'; margin-right: 0.5rem; color: #a7a7a2; }
.crumbs a { color: var(--ink-2); text-decoration: none; }
.crumbs a:hover { color: var(--ink); text-decoration: underline; }
.crumbs [aria-current] { color: var(--ink); font-weight: 600; }

.a-hero-wrap { padding: 0.9rem 0 0; }
.a-hero { position: relative; overflow: hidden; display: grid; gap: 2rem; align-items: center; border-radius: var(--r-xl); padding: clamp(2rem, 1.5rem + 3vw, 4rem) clamp(1.4rem, 1rem + 3vw, 4rem); }
.a-hero::before, .a-hero::after { content: ''; position: absolute; border-radius: 50%; background: rgba(255,255,255,0.35); pointer-events: none; }
.a-hero::before { width: 16rem; height: 16rem; right: -5rem; top: -6rem; }
.a-hero::after { width: 7rem; height: 7rem; left: 46%; bottom: -3.5rem; }
.a-hero > * { position: relative; z-index: 1; }
@media (min-width: 62rem) { .a-hero { grid-template-columns: minmax(0, 1.35fr) minmax(0, 0.9fr); gap: 3.5rem; } }
.a-hero--sky { background: var(--sky); } .a-hero--sun { background: var(--sun); } .a-hero--pink { background: var(--pink); } .a-hero--mint { background: var(--mint); } .a-hero--orange { background: var(--orange); }
.a-hero h1 { font-size: clamp(2.2rem, 1.4rem + 3vw, 3.6rem); margin-bottom: 1.1rem; }
.a-hero__answer { font-size: clamp(1.08rem, 1rem + 0.35vw, 1.25rem); line-height: 1.5; max-width: 38rem; color: #1d2328; }
.a-hero__answer strong { font-weight: 750; }
.a-hero__meta { margin: 1.4rem 0 0; display: inline-flex; padding: 0.35rem 0.9rem; border-radius: 999px; background: rgba(255,255,255,0.6); font-size: 0.85rem; font-weight: 600; }
.a-facts { background: var(--white); border-radius: var(--r-lg); padding: 1.4rem 1.5rem; box-shadow: 0 18px 40px -24px rgba(0,0,0,0.35); }
.a-facts__title { margin: 0 0 0.6rem; font-weight: 750; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--ink-2); }
.a-facts dl > div { display: flex; justify-content: space-between; gap: 1rem; padding: 0.7rem 0; border-top: 1px solid var(--rule); }
.a-facts dl > div:first-child { border-top: 0; }
.a-facts dt { color: var(--ink-2); font-size: 0.95rem; }
.a-facts dd { font-weight: 700; text-align: right; font-size: 0.98rem; }

.a-layout { display: grid; gap: 1.5rem; padding-top: 1.5rem; padding-bottom: var(--space); align-items: start; }
@media (min-width: 64rem) { .a-layout { grid-template-columns: 16rem minmax(0, 1fr); gap: 2rem; } }
.a-toc { background: var(--white); border-radius: var(--r-lg); padding: 1.3rem 1.3rem 1.4rem; font-size: 0.95rem; }
@media (min-width: 64rem) { .a-toc { position: sticky; top: 7rem; } }
.a-toc__title { margin: 0 0 0.6rem; font-weight: 750; }
.a-toc ol { list-style: none; counter-reset: toc; display: grid; gap: 0.15rem; }
.a-toc li { counter-increment: toc; }
.a-toc ol a { display: flex; gap: 0.6rem; padding: 0.4rem 0.5rem; border-radius: 10px; color: var(--ink-2); text-decoration: none; line-height: 1.35; }
.a-toc ol a::before { content: counter(toc, decimal-leading-zero); font-size: 0.78rem; font-weight: 700; color: #a2a29d; padding-top: 0.12rem; }
.a-toc ol a:hover { background: var(--bg); color: var(--ink); }
.a-toc__cta { margin-top: 1.1rem; padding: 1.1rem; border-radius: 18px; background: var(--sun); }
.a-toc__cta p { margin: 0 0 0.75rem; font-weight: 700; line-height: 1.3; }
@media (max-width: 63.99rem) { .a-toc ol { grid-template-columns: repeat(auto-fill, minmax(14rem, 1fr)); } }

.a-body { min-width: 0; background: var(--white); border-radius: var(--r-xl); padding: clamp(1.4rem, 1rem + 2.5vw, 3.25rem); }
.a-sec { padding-bottom: 2.25rem; margin-bottom: 2.25rem; border-bottom: 1px solid var(--rule); }
.a-sec:last-of-type { border-bottom: 0; }
.a-sec > h2 { font-size: clamp(1.6rem, 1.25rem + 1.3vw, 2.3rem); margin-bottom: 1.1rem; }
.a-sec h3 { margin: 1.6rem 0 0.6rem; }
.a-sec > p, .a-sec > ul, .a-sec > ol { max-width: 46rem; }
.a-sec ul:not(.ticks):not(.a-cards), .a-sec ol:not(.a-steps) { padding-left: 1.3rem; margin-bottom: 1em; }
.a-sec li { margin-bottom: 0.45rem; }
.a-sec li::marker { color: var(--coral); font-weight: 700; }
.a-sec .cite, .a-sec .center-cite { font-size: 0.85rem; }
.a-sec .faq { margin-top: 0.5rem; }
.a-sec .qa { background: var(--bg); }

.callout { margin: 1.4rem 0; padding: 1.2rem 1.35rem; border-radius: 20px; max-width: 46rem; }
.callout > :last-child { margin-bottom: 0; }
.callout strong:first-child { display: block; margin-bottom: 0.25rem; }
.callout--sun { background: var(--sun-soft); } .callout--sky { background: var(--sky-soft); }
.callout--mint { background: var(--mint-soft); } .callout--pink { background: var(--pink-soft); } .callout--coral { background: var(--coral-soft); }

.a-cards { list-style: none; display: grid; gap: 0.9rem; margin: 1.25rem 0; }
@media (min-width: 44rem) { .a-cards { grid-template-columns: 1fr 1fr; } }
.a-cards li { margin: 0; padding: 1.2rem 1.25rem; border-radius: 20px; background: var(--bg); }
.a-cards .badge { margin-bottom: 0.9rem; }
.a-cards h3 { margin: 0 0 0.35rem; font-size: 1.1rem; }
.a-cards p { margin: 0; font-size: 0.97rem; color: var(--ink-2); }

.a-steps { list-style: none; counter-reset: st; display: grid; gap: 0.75rem; margin: 1.25rem 0; max-width: 46rem; }
.a-steps li { counter-increment: st; position: relative; margin: 0; padding: 1rem 1.2rem 1rem 3.9rem; border-radius: 18px; background: var(--bg); }
.a-steps li::before { content: counter(st); position: absolute; left: 1rem; top: 0.95rem; display: grid; place-items: center; width: 2rem; height: 2rem; border-radius: 50%; background: var(--dark); color: var(--sun); font-weight: 750; font-size: 0.95rem; }

.a-table-wrap { margin: 1.4rem 0; border-radius: 20px; overflow: hidden; border: 1px solid var(--rule); }
.a-table { width: 100%; border-collapse: collapse; font-size: 0.97rem; }
.a-table caption { caption-side: bottom; text-align: left; padding: 0.75rem 1.1rem; font-size: 0.85rem; color: var(--ink-2); background: var(--bg); }
.a-table th, .a-table td { padding: 0.85rem 1.1rem; text-align: left; vertical-align: top; border-top: 1px solid var(--rule); }
.a-table thead th { border-top: 0; background: var(--dark); color: #fff; font-weight: 650; font-size: 0.9rem; }
.a-table tbody th { font-weight: 650; background: #fafaf8; }
@media (max-width: 40rem) {
  .a-table thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .a-table, .a-table caption, .a-table tbody, .a-table tr, .a-table th, .a-table td { display: block; width: 100%; }
  .a-table tr { border-top: 1px solid var(--rule); }
  .a-table tbody th { border-top: 0; background: var(--sky-soft); }
  .a-table td { border-top: 0; padding-top: 0.35rem; }
  .a-table td::before { content: attr(data-label); display: block; font-size: 0.78rem; font-weight: 700; color: var(--ink-2); }
}

.a-calc { margin: 1.4rem 0; padding: clamp(0.9rem, 0.5rem + 1.5vw, 1.75rem); border-radius: var(--r-lg); background: var(--sun); max-width: 46rem; }
.field-row--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 30rem) { .field-row--3 { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); } .field-row--3 > :last-child { grid-column: 1 / -1; } }
.a-choose { display: grid; gap: 1rem; }
@media (min-width: 48rem) { .a-choose { grid-template-columns: 1fr 1fr; } }
.a-choose__col { padding: 1.4rem; border-radius: 22px; background: var(--bg); }
.a-choose__col--okinus { background: var(--sun-soft); }
.a-choose__col h3 { margin: 0 0 0.25rem; font-size: 1.15rem; }
.a-choose .ticks { margin: 1rem 0 0; }
.a-calc--mint { background: var(--mint); } .a-calc--orange { background: var(--orange); } .a-calc--sky { background: var(--sky); }
.calc__group { min-width: 0; margin: 0.25rem 0 1rem; padding: 0 1rem 0.1rem; border: 0; border-radius: 16px; background: var(--bg); }
.calc__group legend { display: block; padding: 0.9rem 0 0; margin-bottom: 0.6rem; font-weight: 700; font-size: 0.95rem; }

.a-cta { display: grid; gap: 1.5rem; align-items: center; margin: 0 0 2.5rem; padding: clamp(1.5rem, 1rem + 2vw, 2.5rem); border-radius: var(--r-lg); background: var(--pink); background-image: radial-gradient(circle at 95% 12%, rgba(255,255,255,0.45) 0 2.5rem, transparent 2.6rem), radial-gradient(circle at 70% 110%, rgba(255,255,255,0.35) 0 3rem, transparent 3.1rem); }
@media (min-width: 52rem) { .a-cta { grid-template-columns: minmax(0, 1fr) auto; } }
.a-cta h2 { font-size: clamp(1.5rem, 1.2rem + 1.2vw, 2.1rem); margin-bottom: 0.5rem; }
.a-cta p { margin: 0; color: #2b1f28; max-width: 34rem; }
.a-cta .pill-cta__icon { background: var(--sun); }

.a-related { margin-bottom: 2.5rem; }
.a-related h2 { font-size: clamp(1.5rem, 1.2rem + 1.2vw, 2.1rem); margin-bottom: 1.1rem; }
.a-related__grid { display: grid; gap: 0.9rem; }
@media (min-width: 44rem) { .a-related__grid { grid-template-columns: repeat(3, 1fr); } }
.a-sources { margin-top: 0; }

/* ---------- /apply/ ---------- */
.apply-wrap { padding: 0.9rem 0 0; }
.apply { position: relative; overflow: hidden; display: grid; gap: 2rem; align-items: start; padding: clamp(1.5rem, 1rem + 3vw, 3.5rem); border-radius: var(--r-xl); background: var(--sky); }
.apply::before, .apply::after { content: ''; position: absolute; border-radius: 50%; pointer-events: none; }
.apply::before { width: 20rem; height: 20rem; left: -7rem; bottom: -9rem; background: rgba(255,255,255,0.35); }
.apply::after { width: 6rem; height: 6rem; right: -2rem; top: -2rem; background: var(--sun); }
@media (min-width: 62rem) { .apply::after { width: 7rem; height: 7rem; right: auto; left: 42%; top: -3.5rem; } }
.apply > * { position: relative; z-index: 1; }
@media (min-width: 62rem) { .apply { grid-template-columns: minmax(0, 1fr) minmax(0, 32rem); gap: 3.5rem; } .apply__intro { padding-top: 1.5rem; } }
.apply h1 { font-size: clamp(2.3rem, 1.5rem + 3vw, 3.8rem); margin-bottom: 1.1rem; }
.apply__lead { font-size: clamp(1.08rem, 1rem + 0.35vw, 1.25rem); line-height: 1.5; color: #1d2328; max-width: 32rem; }
.apply__ticks { list-style: none; display: grid; gap: 0.6rem; margin: 1.5rem 0 0; }
@media (min-width: 30rem) { .apply__ticks { grid-template-columns: 1fr 1fr; } }
.apply__ticks li { display: flex; align-items: center; gap: 0.6rem; font-weight: 600; }
.apply__ticks .icon { padding: 3px; width: 1.5rem; height: 1.5rem; border-radius: 50%; background: var(--mint); }
.apply__amounts { display: none; align-items: center; gap: 0.75rem; margin-top: 2.5rem; max-width: 26rem; }
@media (min-width: 62rem) { .apply__amounts { display: flex; } }
.apply__chip { padding: 0.5rem 1rem; border-radius: 999px; font-weight: 800; font-size: 1.1rem; box-shadow: 0 10px 24px -12px rgba(0,0,0,0.35); }
.apply__chip--sun { background: var(--sun); } .apply__chip--pink { background: var(--pink); }
.apply__line { flex: 1; height: 0.4rem; border-radius: 999px; background: linear-gradient(90deg, var(--sun), var(--pink)); }
.apply .loan-panel { box-shadow: 0 24px 60px -20px rgba(17, 60, 100, 0.35); }

.apply-split { display: grid; gap: 1.5rem; align-items: start; }
@media (min-width: 62rem) { .apply-split { grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.4fr); gap: 3rem; } }
.apply-split h2 { margin-bottom: 0.75rem; }
.apply-split .a-cards { margin: 0; }
.apply-duo { display: grid; gap: 1rem; }
@media (min-width: 56rem) { .apply-duo { grid-template-columns: 1fr 1fr; } }
.apply-card { padding: clamp(1.5rem, 1rem + 2vw, 2.5rem); border-radius: var(--r-lg); }
.apply-card--sun { background: var(--sun); } .apply-card--sky { background: var(--sky-soft); }
.apply-card h2 { font-size: clamp(1.5rem, 1.2rem + 1.2vw, 2.1rem); margin-bottom: 1rem; }
.apply-card .ticks .icon { background: var(--white); }
.apply-card p:last-child { margin-bottom: 0; }

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { animation: none !important; transition: none !important; } }

/* Editorial illustrations */
.editorial-section { overflow: hidden; }
.editorial-inset { margin: clamp(1.5rem, 2vw, 2.25rem) auto 0; width: min(100%, 44rem); padding: clamp(.7rem, 1.4vw, 1rem); border-radius: var(--r-xl); background: linear-gradient(145deg, rgba(182,220,247,.26), rgba(255,255,255,.9)); border: 1px solid rgba(17,17,17,.06); box-shadow: 0 18px 40px -32px rgba(17,17,17,.42); }
.editorial-inset img { display: block; width: 100%; height: auto; border-radius: calc(var(--r-xl) - .45rem); }
.editorial-inset figcaption { margin-top: .65rem; text-align: center; color: var(--ink-2); font-size: .88rem; }
.editorial-inset--summary { margin-top: 1.5rem; }
.mini-grid { list-style: none; padding: 0; margin: 1.25rem 0 0; display: grid; gap: 0.85rem; grid-template-columns: repeat(auto-fit, minmax(12rem, 1fr)); }
.mini-grid li { display: flex; gap: 0.8rem; align-items: flex-start; padding: 0.95rem 1rem; border-radius: var(--r-md); background: var(--white); box-shadow: 0 14px 28px -24px rgba(17,17,17,0.45); }
.mini-grid li p { margin: 0.18rem 0 0; font-size: 0.95rem; color: var(--ink-2); }
.mini-grid li strong { display: block; }
@media (max-width: 760px) { .editorial-inset { width: 100%; padding: .55rem; } }