/* ============================================================
     DESIGN TOKENS
     Palette echoes the Little Lake brand art: lake green + warm
     gold sun + deep navy ink over water blues.
     System = ONE primary (green) + ONE accent (gold).
     ============================================================ */
  :root{
    --ink:#243441;          /* headings / body */
    --muted:#54677a;        /* secondary text  */
    --primary:#2E7D5B;      /* brand green — icons, checks, fills */
    --primary-ink:#236249;  /* darker green — text links (AA on white) */
    --primary-dark:#1f5540; /* hover */
    --primary-deep:#1c4f3d; /* hero / bookend band */
    --primary-deeper:#173f31;
    --accent:#EAA221;       /* gold — primary CTAs only */
    --accent-dark:#cd8a10;  /* CTA hover */
    --accent-ink:#3a2a05;   /* text on gold */
    --bg:#ffffff;
    --alt:#eef5f0;          /* light green section tint */
    --tint:#e3efe8;         /* icon chips / check chips */
    --border:#dce7e0;
    --footer:#1a2833;
    --water:#5b9bd5;
    --water-soft:#a9cce8;
    --sun:#EAA221;
    --sun-soft:#f6e3b6;

    --wrap:1120px;
    --radius:16px;
    --radius-sm:12px;
    --shadow:0 1px 2px rgba(36,52,65,.05),0 8px 24px rgba(36,52,65,.07);
    --shadow-sm:0 1px 2px rgba(36,52,65,.06),0 3px 10px rgba(36,52,65,.05);
    --ring:0 0 0 3px rgba(46,125,91,.35);
    --sans:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
    --display:"Plus Jakarta Sans",var(--sans);
  }

  /* ============================================================ RESET / BASE */
  *,*::before,*::after{box-sizing:border-box}
  html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
  body{
    margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);
    line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased;
    padding-top:env(safe-area-inset-top,0)
  }
  img,svg{max-width:100%;display:block}
  img.art-frame{width:100%;height:auto;object-fit:cover;aspect-ratio:attr(width)/attr(height)}
  .hero-art img.art-frame{aspect-ratio:520/440}
  .steps-art img.art-frame,.brand-art img.art-frame{aspect-ratio:480/420}
  .cta-art img.art-frame{aspect-ratio:460/360}
  a{color:var(--primary-ink);text-underline-offset:3px}
  h1,h2,h3{font-family:var(--display);color:var(--ink);line-height:1.15;margin:0}
  p{margin:0}

  .wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:22px}
  .eyebrow{font-family:var(--display);font-weight:700;font-size:.9rem;color:var(--primary-ink);margin:0 0 12px}

  /* ============================================================ A11Y */
  :focus-visible{outline:none;box-shadow:var(--ring);border-radius:8px}
  .skip{
    position:absolute;left:16px;top:-60px;z-index:200;background:#fff;color:var(--primary-ink);
    padding:10px 16px;border-radius:10px;font-weight:600;box-shadow:var(--shadow);
    transition:top .2s ease
  }
  .skip:focus{top:14px}
  @media (prefers-reduced-motion:reduce){
    html{scroll-behavior:auto}
    *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important}
  }

  /* ============================================================ BUTTONS */
  .btn{
    display:inline-flex;align-items:center;justify-content:center;gap:9px;
    font-family:var(--display);font-weight:700;font-size:1rem;line-height:1;
    padding:15px 26px;border-radius:12px;border:2px solid transparent;
    text-decoration:none;cursor:pointer;transition:transform .15s ease,background-color .15s ease,box-shadow .15s ease;
    white-space:nowrap
  }
  .btn:active{transform:translateY(1px)}
  .btn-primary{background:var(--accent);color:var(--accent-ink);box-shadow:0 6px 16px rgba(234,162,33,.32)}
  .btn-primary:hover{background:var(--accent-dark)}
  .btn-ghost{background:transparent;color:var(--primary-ink);border-color:var(--border)}
  .btn-ghost:hover{border-color:var(--primary);background:var(--tint)}
  .btn-ghost-light{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.5)}
  .btn-ghost-light:hover{background:rgba(255,255,255,.16)}
  .btn-lg{padding:17px 32px;font-size:1.06rem}

  /* ============================================================ HEADER */
  .site-header{
    position:sticky;top:0;z-index:100;background:#fff;
    border-bottom:1px solid var(--border)
  }
  .header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px;max-width:1320px}
  .brand{display:inline-flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink);font-family:var(--display);font-weight:800;font-size:1.12rem;letter-spacing:-.01em}
  .brand svg,.brand img{width:34px;height:34px;flex:none}
  .brand b{color:var(--primary-ink);font-weight:800}

  .nav{display:flex;align-items:center;gap:8px}
  .nav ul{list-style:none;display:flex;align-items:center;gap:4px;margin:0;padding:0}
  .nav a.navlink{
    display:inline-block;text-decoration:none;color:var(--ink);font-weight:600;font-size:.98rem;
    padding:9px 14px;border-radius:10px
  }
  .nav a.navlink:hover{background:var(--alt);color:var(--primary-ink)}
  .nav .btn{margin-left:6px}

  .nav-toggle{
    display:none;align-items:center;justify-content:center;width:46px;height:46px;
    border:1px solid var(--border);border-radius:11px;background:#fff;cursor:pointer;color:var(--ink)
  }
  .nav-toggle svg{width:24px;height:24px}
  .nav-toggle .icon-close{display:none}

  /* ============================================================ HERO */
  .hero{
    position:relative;color:#fff;overflow:hidden;
    background:linear-gradient(165deg,var(--primary-deep) 0%,var(--primary-deeper) 62%,#123328 100%)
  }
  .hero::after{ /* soft sun glow, top-right */
    content:"";position:absolute;top:-140px;right:-120px;width:520px;height:520px;border-radius:50%;
    background:radial-gradient(circle,rgba(234,162,33,.30),rgba(234,162,33,0) 68%);pointer-events:none
  }
  .hero-grid{
    position:relative;z-index:2;max-width:1320px;display:grid;grid-template-columns:1.08fr .92fr;
    gap:clamp(40px,5vw,72px);align-items:center;min-height:min(84vh,760px);padding:clamp(64px,9vh,104px) 22px
  }
  .hero h1,.cta-grid h2{color:#fff}
  .hero h1{font-size:clamp(2.3rem,5vw,3.75rem);font-weight:800;letter-spacing:-.02em;margin-bottom:18px;max-width:18ch}
  .hero-lede{font-size:clamp(1.1rem,1.5vw,1.28rem);color:rgba(255,255,255,.85);max-width:46ch;margin-bottom:26px}
  .hero-list{list-style:none;margin:0 0 30px;padding:0;display:grid;gap:12px}
  .hero-list li{display:flex;align-items:flex-start;gap:11px;font-weight:500;color:#f2f8f5}
  .check{flex:none;width:24px;height:24px;border-radius:50%;background:rgba(255,255,255,.14);display:inline-flex;align-items:center;justify-content:center;margin-top:1px}
  .check svg{width:14px;height:14px;color:#7ee0b0}
  .hero-cta{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
  .hero-trust{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:28px;font-size:.86rem;color:rgba(255,255,255,.7)}
  .hero-trust span{display:inline-flex;align-items:center;gap:7px}
  .hero-trust svg{width:15px;height:15px;color:#7ee0b0}
  .hero-art{position:relative}
  .hero-art .art-frame{width:100%;height:auto;border-radius:20px;box-shadow:0 24px 60px rgba(0,0,0,.28);background:#fff}

  /* risk strip directly under hero */
  .risk-strip{background:#fff8ec;border-bottom:1px solid #f2e2bf}
  .risk-strip .wrap{display:flex;gap:12px;align-items:flex-start;padding-block:14px}
  .risk-strip svg{width:20px;height:20px;color:var(--accent-dark);flex:none;margin-top:2px}
  .risk-strip p{font-size:.88rem;color:#6b5a2f;line-height:1.55}
  .risk-strip strong{color:#5a4a20}

  /* ============================================================ SECTIONS */
  .section{padding:76px 0}
  .section--alt{background:var(--alt)}
  .section--tight{padding:64px 0}
  .section-head{max-width:640px;margin:0 auto 46px;text-align:center}
  .section-head.left{margin-inline:0;text-align:left}
  .section-head h2{font-size:clamp(1.7rem,3vw,2.3rem);font-weight:800;letter-spacing:-.02em}
  .section-head p{margin-top:14px;color:var(--muted);font-size:1.06rem}

  /* ---- feature cards (4 highlights) ---- */
  .cards{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
  .card{
    background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:28px 22px;
    box-shadow:var(--shadow-sm);height:100%
  }
  .card .chip{
    width:56px;height:56px;border-radius:14px;background:var(--tint);color:var(--primary);
    display:flex;align-items:center;justify-content:center;margin-bottom:18px
  }
  .card .chip svg{width:28px;height:28px}
  .card h3{font-size:1.14rem;font-weight:700;margin-bottom:8px}
  .card p{color:var(--muted);font-size:.96rem}
  .card .note{display:block;margin-top:10px;font-size:.78rem;color:#8a99a6}
  .center-cta{text-align:center;margin-top:44px}

  /* ---- steps ---- */
  .steps-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:52px;align-items:center}
  .steps-list{display:grid;gap:14px;counter-reset:step}
  .step{
    display:flex;gap:18px;align-items:flex-start;background:#fff;border:1px solid var(--border);
    border-radius:var(--radius-sm);padding:20px 22px;box-shadow:var(--shadow-sm)
  }
  .step-num{
    flex:none;width:44px;height:44px;border-radius:12px;background:var(--primary);color:#fff;
    font-family:var(--display);font-weight:800;font-size:1.15rem;display:flex;align-items:center;justify-content:center
  }
  .step h3{font-size:1.08rem;font-weight:700;margin-bottom:4px}
  .step p{color:var(--muted);font-size:.95rem}
  .steps-art .art-frame{width:100%;border-radius:20px;box-shadow:var(--shadow)}

  /* ---- brand block ---- */
  .brand-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}
  .brand-copy h2{font-size:clamp(1.65rem,2.8vw,2.2rem);font-weight:800;letter-spacing:-.02em;max-width:20ch}
  .brand-copy p{margin-top:18px;color:var(--muted);font-size:1.05rem}
  .brand-points{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:12px}
  .brand-points li{display:flex;gap:11px;align-items:flex-start;font-weight:500}
  .brand-points .check{background:var(--tint)}
  .brand-points .check svg{color:var(--primary)}
  .brand-art .art-frame{width:100%;border-radius:20px;box-shadow:var(--shadow)}

  /* ---- FAQ ---- */
  .faq{max-width:800px;margin:0 auto;display:grid;gap:12px}
  .faq details{
    background:#fff;border:1px solid var(--border);border-radius:var(--radius-sm);
    box-shadow:var(--shadow-sm);overflow:hidden
  }
  .faq summary{
    list-style:none;cursor:pointer;padding:20px 54px 20px 22px;position:relative;
    font-family:var(--display);font-weight:700;font-size:1.04rem;color:var(--ink)
  }
  .faq summary::-webkit-details-marker{display:none}
  .faq summary::after{
    content:"";position:absolute;right:22px;top:50%;width:12px;height:12px;
    border-right:2.5px solid var(--primary);border-bottom:2.5px solid var(--primary);
    transform:translateY(-70%) rotate(45deg);transition:transform .2s ease
  }
  .faq details[open] summary::after{transform:translateY(-30%) rotate(225deg)}
  .faq .faq-body{padding:0 22px 20px;color:var(--muted);font-size:.98rem}
  .faq .faq-body a{color:var(--primary-ink);font-weight:600}

  /* ---- closing CTA (bookend band) ---- */
  .cta-band{
    position:relative;overflow:hidden;color:#fff;
    background:linear-gradient(165deg,var(--primary-deep),var(--primary-deeper))
  }
  .cta-band::after{content:"";position:absolute;bottom:-160px;left:-100px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(234,162,33,.24),rgba(234,162,33,0) 68%)}
  .cta-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center;padding:72px 22px}
  .cta-grid h2{font-size:clamp(1.9rem,3.2vw,2.5rem);font-weight:800;letter-spacing:-.02em;max-width:16ch}
  .cta-grid p{margin:16px 0 28px;color:rgba(255,255,255,.85);font-size:1.1rem;max-width:44ch}
  .cta-art .art-frame{width:100%;border-radius:20px;box-shadow:0 24px 60px rgba(0,0,0,.28)}

  /* ============================================================ FOOTER */
  .site-footer{background:var(--footer);color:#c4d1da;font-size:.92rem;padding:56px 0 40px}
  .site-footer .wrap{max-width:1320px}
  .footer-top{display:flex;flex-wrap:wrap;gap:32px;justify-content:space-between;align-items:flex-start;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,.1)}
  .footer-brand{display:inline-flex;align-items:center;gap:11px;color:#fff;font-family:var(--display);font-weight:800;font-size:1.1rem;text-decoration:none}
  .footer-brand svg,.footer-brand img{width:32px;height:32px}
  .footer-nav ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px 22px}
  .footer-nav a{color:#c4d1da;text-decoration:none;font-weight:500}
  .footer-nav a:hover{color:#fff;text-decoration:underline}
  .footer-legal{padding-top:26px;display:grid;gap:14px;color:#8ea0ac;font-size:.82rem;line-height:1.6}
  .footer-legal p{max-width:none}
  .footer-copy{margin-top:22px;color:#7c8f9b;font-size:.82rem}

  /* ---- intro / what-is-a-loan ---- */
  .intro-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}
  .intro-copy h2{font-size:clamp(1.65rem,2.8vw,2.2rem);font-weight:800;letter-spacing:-.02em;max-width:22ch}
  .intro-copy p{margin-top:16px;color:var(--muted);font-size:1.05rem}
  .inline-link{display:inline-block;margin-top:16px;font-weight:700;color:var(--primary-ink);text-decoration:none}
  .inline-link:hover{text-decoration:underline}
  .glance{background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:26px}
  .glance h3{font-size:1.06rem;font-weight:700;margin-bottom:16px}
  .glance ul{list-style:none;margin:0;padding:0;display:grid;gap:13px}
  .glance li{display:flex;gap:11px;align-items:flex-start;font-weight:500}
  .glance .check{background:var(--tint)}.glance .check svg{color:var(--primary)}

  /* ---- use cases ---- */
  .uses{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
  .use{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:22px}
  .use .chip{flex:none;width:50px;height:50px;border-radius:13px;background:var(--tint);color:var(--primary);display:flex;align-items:center;justify-content:center}
  .use .chip svg{width:25px;height:25px}
  .use h3{font-size:1.05rem;font-weight:700;margin-bottom:4px}
  .use p{color:var(--muted);font-size:.95rem}
  .disclaimer{margin:26px auto 0;color:#8a99a6;font-size:.85rem;text-align:center;max-width:64ch}

  /* ---- why choose (benefit checklist) ---- */
  .benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:26px 36px;max-width:1000px;margin-inline:auto}
  .benefit{display:flex;gap:13px;align-items:flex-start}
  .benefit .check{flex:none;background:var(--tint)}.benefit .check svg{color:var(--primary)}
  .benefit h3{font-size:1.02rem;font-weight:700;margin-bottom:3px}
  .benefit p{color:var(--muted);font-size:.93rem}
  .benefit a{color:var(--primary-ink);font-weight:600}

  /* ---- rates summary ---- */
  .rate-pills{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-bottom:22px}
  .pill{display:inline-flex;align-items:center;gap:9px;background:#fff;border:1px solid var(--border);border-radius:999px;padding:11px 20px;font-weight:600;font-size:.96rem;box-shadow:var(--shadow-sm)}
  .pill svg{width:18px;height:18px;color:var(--primary);flex:none}
  .rates-cta{display:flex;flex-direction:column;align-items:center;gap:20px;text-align:center}
  .rates-cta>p{max-width:60ch;color:var(--muted);margin:0}
  .rates-cta .disclaimer{margin:0}

  /* ---- calculator ---- */
  .calc{max-width:960px;margin-inline:auto;display:grid;grid-template-columns:1.05fr .95fr;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);background:#fff}
  .calc-inputs{padding:30px}
  .calc-inputs h3{font-size:1.1rem;font-weight:700;margin-bottom:20px}
  .field{margin-bottom:22px}
  .field:last-child{margin-bottom:0}
  .field label{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-weight:600;font-size:.95rem;margin-bottom:10px}
  .field .val{color:var(--primary-ink);font-weight:700;font-family:var(--display);white-space:nowrap}
  .calc input[type=range]{width:100%;accent-color:var(--primary);height:6px}
  .calc-result{background:linear-gradient(165deg,var(--primary-deep),var(--primary-deeper));color:#fff;padding:32px 30px;display:flex;flex-direction:column;justify-content:center}
  .calc-result .cap{font-size:.9rem;color:rgba(255,255,255,.75);margin-bottom:6px}
  .calc-result .big{font-family:var(--display);font-weight:800;font-size:2.5rem;line-height:1}
  .calc-result .big small{font-size:1rem;font-weight:600;opacity:.8}
  .calc-result .rows{margin-top:20px;display:grid;gap:10px;font-size:.95rem}
  .calc-result .rows div{display:flex;justify-content:space-between;color:rgba(255,255,255,.85)}
  .calc-result .rows b{color:#fff;font-weight:700}
  .calc-note{max-width:960px;margin:18px auto 0;color:#8a99a6;font-size:.82rem;line-height:1.55}
  .calc-note a{color:var(--primary-ink);font-weight:600}

  /* ---- reviews placeholder ---- */
  .reviews-box{max-width:900px;margin-inline:auto;background:#fff;border:1.5px dashed var(--border);border-radius:var(--radius);padding:40px 24px;text-align:center}
  .reviews-box .tp{display:inline-flex;align-items:center;gap:8px;font-family:var(--display);font-weight:800;color:var(--ink);font-size:1.1rem;margin-bottom:8px}
  .reviews-box .stars{color:var(--accent);letter-spacing:3px;font-size:1.25rem}
  .reviews-box p{color:var(--muted);font-size:.95rem;max-width:54ch;margin:10px auto 0}
  .reviews-box a{color:var(--primary-ink);font-weight:700}

  /* ---- security band ---- */
  .secure-band{max-width:840px;margin-inline:auto;display:flex;gap:20px;align-items:flex-start;background:#fff;border:1px solid var(--border);border-left:4px solid var(--primary);border-radius:var(--radius);padding:26px 28px;box-shadow:var(--shadow-sm)}
  .secure-band .ic{flex:none;width:52px;height:52px;border-radius:13px;background:var(--tint);color:var(--primary);display:flex;align-items:center;justify-content:center}
  .secure-band .ic svg{width:26px;height:26px}
  .secure-band h2{font-size:1.3rem;font-weight:800;margin-bottom:6px}
  .secure-band p{color:var(--muted);font-size:.98rem}
  .secure-band a{color:var(--primary-ink);font-weight:700}

  /* ============================================================ RESPONSIVE */
  @media (max-width:960px){
    .hero-grid{grid-template-columns:1fr;gap:36px;min-height:auto;padding:52px 22px 60px}
    .hero-art{order:-1;max-width:420px;width:100%;margin-inline:auto}
    .steps-grid,.brand-grid,.cta-grid{grid-template-columns:1fr;gap:34px}
    .brand-art,.cta-art{max-width:520px}
    .cards{grid-template-columns:repeat(2,1fr)}
    .intro-grid,.calc{grid-template-columns:1fr}
    .uses{grid-template-columns:1fr}
    .benefits{grid-template-columns:repeat(2,1fr)}
  }
  @media (max-width:800px){
    .nav-toggle{display:inline-flex}
    .nav{
      position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--border);
      box-shadow:var(--shadow);flex-direction:column;align-items:stretch;gap:0;padding:10px 16px 18px;
      transform:translateY(-8px);opacity:0;visibility:hidden;pointer-events:none;transition:opacity .2s ease,transform .2s ease
    }
    .site-header{position:sticky}
    .header-inner{position:relative}
    .nav.open{transform:none;opacity:1;visibility:visible;pointer-events:auto}
    .nav ul{flex-direction:column;align-items:stretch;gap:2px;width:100%}
    .nav a.navlink{padding:13px 12px;border-radius:10px;font-size:1.02rem}
    .nav .btn{margin:10px 0 2px;width:100%}
  }
  @media (max-width:520px){
    body{font-size:16px}
    .section{padding:56px 0}
    .cards{grid-template-columns:1fr}
    .benefits{grid-template-columns:1fr}
    .secure-band{flex-direction:column;gap:14px}
    .hero-cta .btn{width:100%}
    .btn{width:100%}
    .nav .btn{width:100%}
  }

  /* ============================================================ INTERIOR PAGE HEADER
     (shared by /about/, blog articles and other content pages) */
  .page-hero{
    position:relative;overflow:hidden;color:#fff;
    background:linear-gradient(165deg,var(--primary-deep) 0%,var(--primary-deeper) 70%,#123328 100%)
  }
  .page-hero::after{
    content:"";position:absolute;top:-140px;right:-120px;width:480px;height:480px;border-radius:50%;
    background:radial-gradient(circle,rgba(234,162,33,.26),rgba(234,162,33,0) 68%);pointer-events:none
  }
  .page-hero .wrap{position:relative;z-index:2;padding:clamp(46px,7vw,74px) 22px clamp(40px,6vw,60px)}
  .crumbs{display:flex;flex-wrap:wrap;gap:7px;align-items:center;font-size:.86rem;font-weight:600;margin-bottom:16px;color:rgba(255,255,255,.72)}
  .crumbs a{color:rgba(255,255,255,.88);text-decoration:none}
  .crumbs a:hover{text-decoration:underline}
  .crumbs span[aria-hidden]{opacity:.5}
  .crumbs .here{color:#fff}
  .page-hero .eyebrow{color:#9fe3c1}
  .page-hero h1{font-size:clamp(2rem,4.4vw,3.1rem);font-weight:800;letter-spacing:-.02em;max-width:24ch;color:#fff}
  .page-hero .lede{margin-top:16px;font-size:clamp(1.05rem,1.5vw,1.2rem);color:rgba(255,255,255,.85);max-width:60ch}
  .post-meta{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:20px;font-size:.9rem;color:rgba(255,255,255,.78)}
  .post-meta span{display:inline-flex;align-items:center;gap:7px}
  .post-meta svg{width:16px;height:16px;color:#9fe3c1;flex:none}

  /* ---- prose / article body ---- */
  .prose-wrap{max-width:820px;margin-inline:auto;padding-inline:22px}
  .prose{padding:clamp(44px,6vw,68px) 0}
  .prose-figure{margin:0 0 clamp(26px,4vw,40px)}
  .prose-figure img{width:100%;height:auto;border-radius:var(--radius);box-shadow:var(--shadow);border:1px solid var(--border)}
  .prose h2{font-size:clamp(1.45rem,2.6vw,1.95rem);font-weight:800;letter-spacing:-.02em;margin:2.2em 0 .55em}
  .prose h2:first-child{margin-top:0}
  .prose h3{font-size:1.18rem;font-weight:700;margin:1.7em 0 .4em}
  .prose p{margin:0 0 1.1em;color:#33414e;font-size:1.06rem}
  .prose ul,.prose ol{margin:0 0 1.3em;padding-left:1.35em;color:#33414e;font-size:1.06rem}
  .prose li{margin-bottom:.55em}
  .prose li::marker{color:var(--primary)}
  .prose a{color:var(--primary-ink);font-weight:600;text-decoration:underline;text-decoration-color:var(--water-soft)}
  .prose a:hover{text-decoration-color:var(--primary)}
  .prose strong{color:var(--ink);font-weight:700}
  .prose em{color:var(--muted)}
  .prose>em:last-child,.prose p em.fineprint{display:block}
  .prose .disclaimer-note{margin:1.6em 0;padding:16px 20px;background:var(--alt);border-left:4px solid var(--primary);border-radius:0 var(--radius-sm) var(--radius-sm) 0;color:#3c5749;font-size:.96rem}
  .prose .disclaimer-note em{color:#3c5749;font-style:italic}

  /* value / feature blocks (About) */
  .lead-list{list-style:none;margin:1.3em 0 1.6em;padding:0;display:grid;gap:14px}
  .lead-list li{background:#fff;border:1px solid var(--border);border-left:4px solid var(--primary);border-radius:var(--radius-sm);box-shadow:var(--shadow-sm);padding:18px 20px;color:#33414e;font-size:1.02rem}
  .lead-list li strong{color:var(--ink)}

  /* inline CTA row */
  .prose-cta{display:flex;flex-wrap:wrap;gap:14px;margin:1.8em 0 .4em}

  /* article foot nav */
  .post-foot{border-top:1px solid var(--border);margin-top:clamp(40px,6vw,60px);padding-top:30px;display:flex;flex-wrap:wrap;gap:16px;justify-content:space-between;align-items:center}
  .post-foot .back{font-weight:700;color:var(--primary-ink);text-decoration:none;display:inline-flex;align-items:center;gap:8px}
  .post-foot .back:hover{text-decoration:underline}
  .post-foot svg{width:18px;height:18px}

  @media (max-width:520px){
    .prose-cta .btn{width:100%}
  }
  /* ============================================================ CONTENT PAGE EXTRAS
     Tables, FAQ accordions, contact cards, and the blog index — used by
     rates/apply/contact, the four legal pages, and blog articles. */

  /* ---- prose tables ---- */
  .prose .table-wrap{overflow-x:auto;margin:1.4em 0;border:1px solid var(--border);border-radius:var(--radius-sm);box-shadow:var(--shadow-sm)}
  .prose table{border-collapse:collapse;width:100%;min-width:520px;font-size:.97rem}
  .prose thead th{background:var(--alt);color:var(--ink);font-family:var(--display);font-weight:700;text-align:left;padding:14px 16px;border-bottom:1px solid var(--border)}
  .prose tbody td{padding:14px 16px;border-bottom:1px solid var(--border);color:#33414e;vertical-align:top}
  .prose tbody tr:last-child td{border-bottom:0}
  .prose tbody tr:nth-child(even){background:#fafcfb}

  /* ---- FAQ accordions inside prose ---- */
  .prose .faq{display:grid;gap:12px;margin:1.4em 0}
  .prose .faq details{background:#fff;border:1px solid var(--border);border-radius:var(--radius-sm);box-shadow:var(--shadow-sm);overflow:hidden}
  .prose .faq summary{list-style:none;cursor:pointer;padding:18px 52px 18px 20px;position:relative;font-family:var(--display);font-weight:700;font-size:1.02rem;color:var(--ink)}
  .prose .faq summary::-webkit-details-marker{display:none}
  .prose .faq summary::after{content:"";position:absolute;right:20px;top:50%;width:11px;height:11px;border-right:2.5px solid var(--primary);border-bottom:2.5px solid var(--primary);transform:translateY(-70%) rotate(45deg);transition:transform .2s ease}
  .prose .faq details[open] summary::after{transform:translateY(-30%) rotate(225deg)}
  .prose .faq .faq-body{padding:0 20px 18px;color:#33414e;font-size:1rem}
  .prose .faq .faq-body p{margin:0}

  /* ---- contact cards ---- */
  .contact-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:1.4em 0}
  .contact-card{background:#fff;border:1px solid var(--border);border-left:4px solid var(--primary);border-radius:var(--radius-sm);box-shadow:var(--shadow-sm);padding:18px 20px}
  .contact-card .cc-label{font-family:var(--display);font-weight:800;color:var(--ink);font-size:1.02rem;margin:0 0 6px}
  .contact-card .cc-body{color:#33414e;font-size:.98rem;line-height:1.6;margin:0}
  .contact-card a{color:var(--primary-ink);font-weight:600}
  @media (max-width:640px){.contact-grid{grid-template-columns:1fr}}

  /* ============================================================ BLOG INDEX */
  .blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
  .post-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-sm);overflow:hidden;text-decoration:none;color:inherit;transition:transform .15s ease,box-shadow .15s ease}
  .post-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
  .post-card .thumb{aspect-ratio:1200/630;background:var(--alt);overflow:hidden}
  .post-card .thumb img{width:100%;height:100%;object-fit:cover}
  .post-card .pc-body{padding:20px 20px 22px;display:flex;flex-direction:column;gap:8px;flex:1}
  .post-card h3{font-size:1.08rem;font-weight:700;line-height:1.3}
  .post-card p{color:var(--muted);font-size:.94rem;margin:0}
  .post-card .more{margin-top:auto;color:var(--primary-ink);font-weight:700;font-size:.92rem}
  @media (max-width:900px){.blog-grid{grid-template-columns:repeat(2,1fr)}}
  @media (max-width:600px){.blog-grid{grid-template-columns:1fr}}

  /* ============================================================ SEO / A11Y UTILITIES */
  .sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

  /* related articles (blog posts) */
  .related{border-top:1px solid var(--border);margin-top:clamp(40px,6vw,60px);padding-top:30px}
  .related h2{font-size:1.15rem;font-weight:800;margin:0 0 16px}
  .related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
  .related-card{display:block;background:#fff;border:1px solid var(--border);border-radius:var(--radius-sm);box-shadow:var(--shadow-sm);padding:16px 18px;text-decoration:none;color:inherit;transition:transform .15s ease,box-shadow .15s ease}
  .related-card:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
  .related-card .rc-kicker{font-size:.78rem;font-weight:700;color:var(--primary-ink);text-transform:uppercase;letter-spacing:.04em}
  .related-card .rc-title{display:block;margin-top:6px;font-family:var(--display);font-weight:700;font-size:.98rem;line-height:1.3;color:var(--ink)}
  @media (max-width:760px){.related-grid{grid-template-columns:1fr}}