@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:200 800;font-display:swap;src:url(fonts/plus-jakarta-sans-var.woff2) format("woff2")}:root{--blue:#2c80c4;--blue-text:#226aa3;--blue-deep:#1b4f7a;--orange:#f48317;--orange-soft:#fff3e6;--ink:#283036;--muted:#5a6670;--line:#dde6ee;--soft:#f3f8fc;--white:#fff;--radius:16px;--shadow:0 10px 30px rgba(40,48,54,.10);--nav-h:72px;--font:"Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}*,*::before,*::after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-padding-top:calc(var(--nav-h) + 16px)}body{margin:0;font-family:var(--font);font-size:17px;line-height:1.7;color:var(--ink);background:var(--white)}img{max-width:100%;height:auto;display:block}a{color:var(--blue-text)}h1,h2,h3{line-height:1.25;text-wrap:balance;color:var(--ink)}.skip{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:2147483001}.skip:focus{left:16px;top:8px}.container{width:100%;max-width:1240px;margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}:focus-visible{outline:3px solid var(--orange);outline-offset:2px}/* ---------- header / nav ---------- */.site-header{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(8px)}.nav{display:flex;align-items:center;gap:6px;min-height:var(--nav-h)}.logo{display:flex;align-items:center;gap:10px;min-height:44px;text-decoration:none;color:var(--ink);font-weight:800;font-size:1.18rem;letter-spacing:-.01em;margin-right:18px;white-space:nowrap}.logo img{width:38px;height:38px}.logo b{color:var(--blue-text);font-weight:800}.menu{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}.menu>li{position:relative}.menu>li>a,.dd-btn{display:flex;align-items:center;gap:6px;min-height:44px;padding:8px 12px;border-radius:10px;font:600 .95rem/1.2 var(--font);color:var(--ink);text-decoration:none;background:none;border:0;cursor:pointer;white-space:nowrap}.menu>li>a:hover,.dd-btn:hover,.menu>li>a[aria-current="page"]{background:var(--soft);color:var(--blue-text)}.dd-btn::after{content:"";width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);margin-left:2px}.dd{position:absolute;top:100%;left:0;margin:0;width:max-content;max-width:calc(100vw - 32px);background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:8px;list-style:none;visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:2}.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}.dd a{display:block;white-space:nowrap;padding:10px 14px;min-height:44px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem}.dd a:hover,.dd a:focus{background:var(--soft);color:var(--blue-text)}.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}.nav-gap{flex:1 1 auto;min-width:40px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 24px;border-radius:12px;font:700 1rem/1.2 var(--font);text-decoration:none;border:2px solid transparent;cursor:pointer;white-space:nowrap}.btn-apply{background:var(--orange);color:var(--ink)}.btn-apply:hover{background:#ff9636}.btn-ghost{border-color:rgba(255,255,255,.85);color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.12)}.nav-toggle{display:none;margin-left:auto;width:48px;height:48px;border:1px solid var(--line);border-radius:12px;background:#fff;cursor:pointer;align-items:center;justify-content:center}.nav-toggle span,.nav-toggle span::before,.nav-toggle span::after{display:block;width:20px;height:2px;background:var(--ink);position:relative;content:""}.nav-toggle span::before{position:absolute;top:-6px}.nav-toggle span::after{position:absolute;top:6px}/* ---------- hero (Layout C full-bleed) ---------- */.hero{position:relative;isolation:isolate;min-height:600px;display:flex;align-items:center;color:#fff;overflow:hidden;background:var(--ink)}.hero-media{position:absolute;inset:0;z-index:-2}.hero-media img{width:100%;height:100%;object-fit:cover;object-position:center center}.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(20,26,31,.90) 0%,rgba(20,26,31,.78) 38%,rgba(20,26,31,.40) 66%,rgba(20,26,31,.12) 100%)}.hero-inner{padding-top:56px;padding-bottom:64px}.hero-text{max-width:600px}.crumbs{font-size:.88rem;margin:0 0 18px}.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}.crumbs li+li::before{content:"›";margin-right:6px;opacity:.8}.crumbs a{color:#fff;text-decoration:underline;text-underline-offset:3px}.crumbs [aria-current]{color:#e6eef5}.hero h1{color:#fff;font-size:clamp(2rem,3.6vw,3.05rem);font-weight:800;letter-spacing:-.02em;margin:0 0 12px}.updated{font-size:.9rem;color:#e6eef5;margin:0 0 16px}.hero-intro{font-size:1.14rem;color:#f2f6f9;margin:0 0 26px;text-wrap:balance}.hero-cta{display:flex;flex-wrap:wrap;gap:12px}@media (max-width:1100px){.menu>li>a,.dd-btn{padding:8px 9px;font-size:.92rem}.logo{margin-right:8px}}@media (max-width:980px){.nav-toggle{display:inline-flex}.nav{flex-wrap:wrap}.menu-wrap{display:none;width:100%;padding:8px 0 16px}.site-header.menu-open .menu-wrap{display:block}.menu{flex-direction:column;align-items:stretch}.menu>li>a,.dd-btn{width:100%;justify-content:space-between;font-size:1rem;padding:12px}.dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;padding:0 0 0 12px;width:auto;max-width:none}.dd::before{display:none}.has-dd.open>.dd{display:block}.has-dd:hover>.dd{display:none}.has-dd.open:hover>.dd{display:block}.nav-gap{display:none}.menu-wrap .btn-apply{width:100%;margin-top:10px}}@media (min-width:981px){.menu-wrap{display:flex;align-items:center;flex:1 1 auto}}@media (max-width:760px){.hero{min-height:525px}.hero::before{background:linear-gradient(180deg,rgba(20,26,31,.55) 0%,rgba(20,26,31,.86) 55%,rgba(20,26,31,.92) 100%)}.hero-inner{padding-top:40px;padding-bottom:44px}body{font-size:16.5px}}/* ---------- form zone ---------- */.form-zone{background:linear-gradient(180deg,var(--soft),#fff);padding:48px 0 24px}.form-card{position:relative;max-width:1020px;margin:0 auto;background:#fff;border-radius:16px;box-shadow:0 8px 28px rgba(27,79,122,.16);padding:34px 36px 30px;border:1px solid var(--line);overflow:hidden}.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,var(--blue),var(--orange))}.form-title{font-size:1.5rem;font-weight:800;margin:0 0 4px;text-align:center;text-wrap:balance}.form-trust{color:var(--muted);text-align:center;margin:0 0 22px;font-size:.98rem}.form-embed{position:relative;z-index:1;isolation:isolate;min-height:120px}/* ---------- card rows ---------- */.band{padding:56px 0}.band-soft{background:var(--soft)}.band-head{max-width:760px;margin:0 0 26px}.band-head .eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue-text);margin:0 0 6px}.band-head h2{font-size:clamp(1.5rem,2.4vw,2rem);margin:0 0 8px}.band-head p{margin:0;color:var(--muted)}.grid{display:grid;gap:20px}.g6{grid-template-columns:repeat(6,minmax(0,1fr))}.g4{grid-template-columns:repeat(4,minmax(0,1fr))}.g3{grid-template-columns:repeat(3,minmax(0,1fr))}.g2{grid-template-columns:repeat(2,minmax(0,1fr))}.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:box-shadow .2s,transform .2s;min-width:0}.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}.card-img{display:block;aspect-ratio:16/10;overflow:hidden;background:var(--soft)}.card-img img{width:100%;height:100%;object-fit:cover}.card-body{padding:16px 18px 18px;display:flex;flex-direction:column;gap:6px;flex:1}.card-title{font-size:1.06rem;font-weight:800;margin:0;line-height:1.3}.card-title a{color:var(--ink);text-decoration:none}.card-title a:hover{color:var(--blue-text)}.card-text{margin:0;color:var(--muted);font-size:.93rem;line-height:1.55}.card-meta{margin-top:auto;font-size:.85rem;font-weight:700;color:var(--blue-text)}.amt-card .card-title{font-size:1.3rem}.term-card{border-top:4px solid var(--blue)}.term-card .pay{font-size:1.6rem;font-weight:800;color:var(--ink);margin:0}.term-card .card-body{padding:20px}/* ---------- main layout ---------- */.page{padding:48px 0 64px}.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:52px;align-items:start}.article{min-width:0}.article>*:first-child{margin-top:0}.article h2{font-size:clamp(1.45rem,2.2vw,1.8rem);margin:2.1em 0 .6em;letter-spacing:-.01em}.article h3{font-size:1.2rem;margin:1.6em 0 .5em}.article p,.article li{max-width:72ch}.article ul,.article ol{padding-left:1.3em}.article li{margin:.35em 0}.article .lead,.article h2+p{text-wrap:balance}.article h2+p{font-size:1.06rem;color:#1f262b}.note{background:var(--orange-soft);border-left:4px solid var(--orange);border-radius:0 12px 12px 0;padding:16px 20px;margin:1.4em 0}.note p{margin:.3em 0}.table-wrap{overflow-x:auto;margin:1.5em 0;border:1px solid var(--line);border-radius:14px}.article table{width:100%;border-collapse:collapse;font-size:.95rem;font-variant-numeric:tabular-nums}.article th,.article td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}.article thead th{background:var(--soft);font-weight:700;white-space:nowrap}.article tbody tr:last-child td{border-bottom:0}.toc{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:20px 24px;margin:0 0 30px}.toc-title{font-weight:800;margin:0 0 8px;font-size:1.02rem}.toc ol{margin:0;padding-left:1.2em;columns:2;column-gap:32px}.toc li{margin:.25em 0;break-inside:avoid;font-size:.94rem}.toc a{text-decoration:none}.toc a:hover{text-decoration:underline}.body-figure{margin:2em 0}.body-img{width:100%;max-width:420px;border-radius:var(--radius);box-shadow:var(--shadow);margin:0 auto}.body-figure figcaption{text-align:center;color:var(--muted);font-size:.88rem;margin-top:10px}.faq-list h3{font-size:1.1rem;margin:1.3em 0 .35em}.faq-list p{margin:0 0 .8em}.cluster{background:var(--soft);border-radius:var(--radius);padding:24px;margin:2.4em 0}.cluster-title{font-weight:800;font-size:1.15rem;margin:0 0 4px}.cluster>p{margin:0 0 16px;color:var(--muted)}.inline-cards{margin:1.6em 0}.glossary{margin:1em 0}.glossary .term{padding:14px 0;border-bottom:1px solid var(--line)}.glossary dt{font-weight:800;font-size:1.05rem}.glossary dd{margin:4px 0 0}.lender-name{scroll-margin-top:calc(var(--nav-h) + 16px)}.author-box{display:flex;gap:16px;align-items:flex-start;border:1px solid var(--line);border-radius:var(--radius);padding:20px;margin:2.4em 0 1.4em}.author-badge{flex:0 0 52px;height:52px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.1rem}.author-box p{margin:.2em 0}.author-name{font-weight:800}.share{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin:1.2em 0 0}.share-label{font-weight:700;margin-right:4px}.share a,.share button{display:inline-flex;align-items:center;min-height:44px;padding:8px 16px;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--ink);font:600 .9rem var(--font);text-decoration:none;cursor:pointer}.share a:hover,.share button:hover{border-color:var(--blue);color:var(--blue-text)}.related{margin:2.6em 0 0}.related-title{font-size:1.3rem;font-weight:800;margin:0 0 14px}.rating-summary{display:flex;flex-wrap:wrap;gap:28px;align-items:center;background:var(--soft);border-radius:var(--radius);padding:24px 28px;margin:1.6em 0}.rating-big{font-size:3rem;font-weight:800;line-height:1}.stars{color:var(--orange);letter-spacing:2px;font-size:1.3rem}.review-card{border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:#fff;display:flex;flex-direction:column;gap:6px}.review-card p{margin:0;font-size:.95rem}.review-head{display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap;font-weight:700}.review-meta{font-size:.85rem;color:var(--muted)}.reviews{margin:1.6em 0}/* ---------- calculator ---------- */.calc{border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px;margin:1.6em 0 2em;background:#fff}.calc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 24px}.calc label{display:block;font-weight:700;margin:0 0 6px;font-size:.95rem}.calc input,.calc select{width:100%;min-height:48px;padding:10px 12px;border:1px solid #b9c7d3;border-radius:10px;font:600 1rem var(--font);color:var(--ink);background:#fff}.calc input[type=range]{padding:0;border:0;accent-color:var(--blue)}.calc-grid3{grid-template-columns:repeat(3,minmax(0,1fr));margin-top:18px}.calc-out{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:22px}.calc-out div{background:var(--soft);border-radius:12px;padding:14px 16px}.calc-out span{display:block;font-size:.85rem;color:var(--muted);font-weight:600}.calc-out strong{font-size:1.45rem;font-variant-numeric:tabular-nums}.calc-note{font-size:.88rem;color:var(--muted);margin:14px 0 0}.calc-links{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}.calc-links a{padding:8px 14px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-weight:600;font-size:.9rem;min-height:44px;display:inline-flex;align-items:center}/* ---------- sidebar ---------- */.sidebar{display:flex;flex-direction:column;gap:18px;min-width:0}.sb{border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:#fff;font-size:.94rem;line-height:1.6}.sb-title{font-weight:800;font-size:1.02rem;margin:0 0 8px;color:var(--ink)}.sb p{margin:0 0 8px}.sb p:last-child{margin-bottom:0}.sb ul,.sb ol{margin:0;padding-left:1.1em}.sb li{margin:.25em 0}.sb-links{list-style:none;padding:0!important}.sb-links a{display:flex;justify-content:space-between;align-items:center;min-height:40px;padding:4px 0;text-decoration:none;font-weight:600;border-bottom:1px dashed var(--line)}.sb-links li:last-child a{border-bottom:0}.sb-cta{background:var(--ink);color:#fff;border-color:var(--ink)}.sb-cta .sb-title{color:#fff;font-size:1.15rem}.sb-cta p{color:#e3e9ee}.sb-cta .btn{width:100%;margin-top:6px}.sb-soft{background:var(--soft)}.sb table{width:100%;border-collapse:collapse;font-size:.88rem;font-variant-numeric:tabular-nums}.sb td,.sb th{padding:6px 4px;border-bottom:1px solid var(--line);text-align:left}.sb-quote{font-style:italic}.sb-rating{font-size:2rem;font-weight:800;line-height:1.1}.sb-sticky{position:sticky;top:calc(var(--nav-h) + 20px)}/* ---------- CTA zone + footer ---------- */.cta-zone{background:linear-gradient(120deg,var(--blue-deep),var(--blue));color:#fff;padding:56px 0}.cta-inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}.cta-zone .cta-title{font-size:clamp(1.5rem,2.6vw,2.1rem);font-weight:800;margin:0 0 6px;color:#fff;text-wrap:balance}.cta-zone p{margin:0;color:#e8f1f8;max-width:640px}.site-footer{position:relative;isolation:isolate;color:#dfe6ec;background:var(--ink)}.footer-photo{position:relative;height:220px;overflow:hidden}.footer-photo img{width:100%;height:100%;object-fit:cover;object-position:center 60%}.footer-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(40,48,54,.15),rgba(40,48,54,1))}.footer-main{padding:24px 0 30px}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(4,minmax(0,1fr));gap:32px}.footer-col-title{font-weight:800;color:#fff;margin:0 0 10px;font-size:1rem}.footer-links{list-style:none;margin:0;padding:0}.footer-links li{margin:0}.footer-links a{display:inline-flex;align-items:center;min-height:36px;color:#dfe6ec;text-decoration:none;font-size:.94rem}.footer-links a:hover{color:#fff;text-decoration:underline}.footer-brand .logo{color:#fff;margin:0 0 12px}.footer-brand .logo b{color:#8ec5f0}.footer-brand p,.footer-brand address{font-style:normal;font-size:.94rem;margin:0 0 8px;color:#dfe6ec}.footer-brand a{color:#cfe4f6}.disclosure{border-top:1px solid rgba(255,255,255,.14);margin-top:28px;padding-top:22px;font-size:.84rem;line-height:1.65;color:#c8d2da}.disclosure p{margin:0 0 10px}.disclosure a{color:#cfe4f6}.copyright{margin-top:14px;font-size:.86rem;color:#b9c4cd}.to-top{position:fixed;right:calc(18px + env(safe-area-inset-right,0px));bottom:calc(18px + env(safe-area-inset-bottom,0px));width:48px;height:48px;border-radius:50%;border:0;background:var(--blue);color:#fff;font-size:1.3rem;cursor:pointer;box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:opacity .2s,visibility .2s;z-index:2147482000}.to-top.show{opacity:1;visibility:visible}.nap-block{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:1.4em 0}.nap-block div{background:var(--soft);border-radius:14px;padding:18px}.nap-block strong{display:block;margin-bottom:4px}.sitemap-cols{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 40px}.sitemap-cols h2{font-size:1.2rem}/* ---------- responsive ---------- */@media (max-width:1180px){.g6{grid-template-columns:repeat(3,minmax(0,1fr))}}@media (max-width:1020px){.layout{grid-template-columns:minmax(0,1fr)}.sb-x,.sb-x-wrap{display:none}.sb-sticky{position:static}.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-brand{grid-column:1/-1}.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:760px){.g3,.g2{grid-template-columns:minmax(0,1fr)}.g6{grid-template-columns:repeat(2,minmax(0,1fr))}.toc ol{columns:1}.form-card{padding:24px 16px 18px;border-radius:12px}.calc-grid,.calc-out{grid-template-columns:minmax(0,1fr)}.nap-block,.sitemap-cols{grid-template-columns:minmax(0,1fr)}.page{padding:32px 0 48px}.band{padding:40px 0}.footer-photo{height:150px}.footer-links a,.sb-links a,.share a,.share button{min-height:44px}.crumbs a{display:inline-flex;align-items:center;min-height:44px}}@media (max-width:420px){.g4{grid-template-columns:minmax(0,1fr)}.footer-grid{grid-template-columns:minmax(0,1fr)}}@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}