:root{
  --navy:#12305A;--navy-2:#0D2445;--ink:#16243A;--slate:#4A5A70;--mist:#EAF1F8;--mist-2:#F5F8FC;
  --line:#D6E0EC;--white:#FFFFFF;--green:#1F9E78;--green-dark:#16805F;--amber:#F0A73A;
  --display:"Bricolage Grotesque",system-ui,sans-serif;
  --body:"Public Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --max:1120px;--r-lg:20px;--r-sm:10px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--body);font-size:17px;line-height:1.6;color:var(--ink);background:var(--white)}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--green-dark)}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px;border-radius:4px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:var(--display);letter-spacing:-.02em;color:var(--navy);margin:0}
h2{font-size:clamp(1.7rem,3.6vw,2.4rem);line-height:1.1;font-weight:700}
h3{font-size:1.15rem;line-height:1.3;font-weight:700}

/* Header */
header.site{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.logo{font-family:var(--display);font-weight:800;font-size:1.45rem;color:var(--navy);text-decoration:none;letter-spacing:-.03em;white-space:nowrap}
.logo::before{content:"";display:inline-block;width:20px;height:20px;border-radius:6px;margin-right:9px;vertical-align:-2px;background:linear-gradient(90deg,var(--green) 0 62%,var(--amber) 62% 100%)}
.logo span{color:var(--navy)}
nav.main{display:flex;gap:26px;align-items:center}
nav.main a{color:var(--ink);text-decoration:none;font-weight:500;font-size:.97rem}
nav.main a:hover{color:var(--green-dark)}
.btn{display:inline-block;background:var(--green);color:#fff!important;text-decoration:none;font-weight:600;padding:12px 22px;border-radius:999px;border:0;cursor:pointer;font-size:1rem;font-family:var(--body)}
.btn:hover{background:var(--green-dark)}
.btn.ghost{background:transparent;color:var(--navy)!important;box-shadow:inset 0 0 0 2px var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff!important}
.btn.on-dark{background:transparent;color:#fff!important;box-shadow:inset 0 0 0 2px rgba(255,255,255,.7)}
.btn.on-dark:hover{background:#fff;color:var(--navy)!important}
.menu-toggle{display:none;background:none;border:0;font-size:1.6rem;cursor:pointer;color:var(--navy)}
@media (max-width:780px){
  nav.main{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;padding:16px 20px 22px;border-bottom:1px solid var(--line);align-items:flex-start}
  nav.main.open{display:flex}
  .menu-toggle{display:block}
}

/* Hero */
.hero{background:var(--navy);color:#fff;padding:72px 0 88px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-180px;top:-220px;width:620px;height:620px;border-radius:50%;border:90px solid rgba(255,255,255,.04);pointer-events:none}
.hero .wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:center;position:relative;z-index:1}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr;gap:40px}.hero{padding:48px 0 64px}}
.hero h1{color:#fff;font-size:clamp(2.4rem,5.4vw,4rem);line-height:1.02;font-weight:800;letter-spacing:-.035em;max-width:13ch}
.hero .lead{font-size:1.18rem;color:#C9D6E8;max-width:44ch;margin:22px 0 30px}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap}
.hero .assure{margin:30px 0 0;padding:0;list-style:none;display:flex;flex-wrap:wrap;gap:8px 22px;color:#C9D6E8;font-size:.93rem}
.hero .assure li{display:flex;align-items:center;gap:8px}
.hero .assure li::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--green)}

/* Hero photo */
.hero{padding-bottom:150px}
.hero-photo{margin:0;border-radius:var(--r-lg);overflow:hidden;aspect-ratio:5/4;box-shadow:0 30px 60px -24px rgba(4,16,36,.6)}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:62% 40%;display:block}
@media (max-width:900px){.hero{padding-bottom:110px}.hero-photo{aspect-ratio:16/10}}
/* Cost instrument, overlapping the hero */
section.meter-wrap{padding:0;margin-top:-100px;position:relative;z-index:2}
.meter{display:grid;grid-template-columns:1.25fr 1fr;gap:40px}
.meter .payment{border-top:0!important;margin-top:0!important;padding:0 0 0 40px!important;border-left:1px solid var(--line);align-self:center}
@media (max-width:860px){.meter{grid-template-columns:1fr;gap:8px}.meter .payment{border-left:0;border-top:1px solid var(--line)!important;padding:22px 0 0!important}}
/* Hero cost instrument */
.meter{background:#fff;color:var(--ink);border-radius:var(--r-lg);padding:32px 36px;border:1px solid var(--line);box-shadow:0 30px 60px -20px rgba(4,16,36,.55)}
.meter .row{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.meter label,.meter .lbl{font-weight:600;font-size:.95rem;color:var(--slate)}
.meter output.amt{font-family:var(--display);font-weight:800;font-size:2rem;color:var(--navy);letter-spacing:-.03em}
.meter output.apr{font-weight:700;color:var(--navy)}
.meter .field{margin-bottom:22px}
.meter input[type=range]{width:100%;margin:10px 0 0;accent-color:var(--navy);height:28px}
.terms{display:flex;gap:6px;margin-top:10px;flex-wrap:wrap}
.terms label{flex:1;min-width:56px;cursor:pointer}
.terms input{position:absolute;opacity:0;pointer-events:none}
.terms span{display:block;text-align:center;padding:9px 0;border-radius:var(--r-sm);border:1px solid var(--line);font-weight:600;color:var(--ink);font-size:.95rem;transition:background .15s,color .15s}
.terms input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.terms input:focus-visible+span{outline:3px solid var(--amber);outline-offset:2px}
.meter .payment{border-top:1px solid var(--line);margin-top:6px;padding-top:22px}
.meter .big{font-family:var(--display);font-weight:800;font-size:clamp(2.8rem,6vw,3.6rem);line-height:1;color:var(--navy);letter-spacing:-.04em}
.meter .big small{font-size:1.1rem;font-weight:600;color:var(--slate);letter-spacing:0;margin-left:4px}
.costbar{display:flex;height:16px;border-radius:999px;overflow:hidden;margin:20px 0 12px;background:var(--mist)}
.costbar i{display:block;height:100%;transition:width .35s ease}
.costbar .p{background:var(--green)}
.costbar .i{background:var(--amber)}
.legend{display:flex;justify-content:space-between;gap:12px;font-size:.93rem;flex-wrap:wrap}
.legend span{display:flex;align-items:center;gap:8px;color:var(--slate)}
.legend b{color:var(--ink)}
.legend span::before{content:"";width:10px;height:10px;border-radius:3px;background:var(--green)}
.legend span.int::before{background:var(--amber)}
.meter .fine{font-size:.82rem;color:var(--slate);margin:16px 0 0}
@media (prefers-reduced-motion:reduce){.costbar i,.terms span{transition:none}}

/* Sections */
section{padding:80px 0}
section.tint{background:var(--mist-2)}
.head{max-width:620px;margin-bottom:40px}
.head p{color:var(--slate);margin:12px 0 0;font-size:1.08rem}

/* How it works: a real sequence */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:40px;counter-reset:s}
@media (max-width:820px){.steps{grid-template-columns:1fr;gap:28px}}
.steps li{counter-increment:s;position:relative;padding-top:58px}
.steps li::before{content:counter(s);position:absolute;top:0;left:0;width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;font-family:var(--display);font-weight:800;display:grid;place-items:center;font-size:1.15rem}
.steps li:not(:last-child)::after{content:"";position:absolute;top:21px;left:54px;right:-28px;height:2px;background:var(--line)}
@media (max-width:820px){.steps li:not(:last-child)::after{display:none}}
.steps p{color:var(--slate);margin:8px 0 0}

/* Uses */
.uses{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin:0;padding:0;list-style:none}
@media (max-width:980px){.uses{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.uses{grid-template-columns:1fr}}
.uses img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:14px;display:block;margin-bottom:16px;background:var(--mist)}
.uses p{margin:6px 0 0;color:var(--slate);font-size:.97rem}
.uses .soon{display:inline-block;font-size:.76rem;font-weight:600;color:var(--navy);background:var(--mist);border-radius:999px;padding:2px 10px;margin-left:8px;vertical-align:2px;font-family:var(--body);letter-spacing:0}
section.tint .uses .soon{background:#fff}

/* Guides list */
.guides{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}
.guides a{display:grid;grid-template-columns:1fr auto;gap:20px;align-items:center;padding:24px 0;border-bottom:1px solid var(--line);text-decoration:none;color:inherit}
.guides a:hover h3{color:var(--green-dark)}
.guides p{margin:4px 0 0;color:var(--slate)}
.guides .go{width:40px;height:40px;border-radius:50%;border:1.5px solid var(--line);display:grid;place-items:center;color:var(--navy);transition:background .15s,border-color .15s}
.guides a:hover .go{background:var(--navy);border-color:var(--navy);color:#fff}

/* CTA band */
.band{background:var(--navy);color:#fff;border-radius:var(--r-lg);overflow:hidden;display:grid;grid-template-columns:1fr 1fr;align-items:stretch}
.band-copy{padding:52px 48px;align-self:center}
.band img{width:100%;height:100%;min-height:300px;object-fit:cover;display:block}
@media (max-width:820px){.band{grid-template-columns:1fr}.band-copy{padding:36px 28px}.band img{min-height:220px;max-height:280px}}
.band h2{color:#fff}
.band p{color:#C9D6E8;margin:10px 0 0;max-width:46ch}

/* Generic cards (other pages) */
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px}
.card h3{margin:0 0 8px}
.card p{margin:0;color:var(--slate)}
.sub{color:var(--slate);margin:0 0 32px;max-width:60ch;font-size:1.08rem}

/* Calculators page */
.page-head{padding-top:56px;padding-bottom:12px}
.page-head h1{font-size:clamp(2.1rem,4.6vw,3rem);font-weight:800;line-height:1.05;letter-spacing:-.03em;margin:0 0 12px}
.calc{display:grid;gap:32px;grid-template-columns:1fr 1fr;align-items:start}
@media (max-width:780px){.calc{grid-template-columns:1fr}}
.calc label{display:block;font-weight:600;margin:0 0 6px;font-size:.95rem}
.calc .field{margin-bottom:18px}
.calc input[type=number]{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:var(--r-sm);font-size:1.02rem;font-family:inherit;background:#fff;color:var(--ink)}
.calc input[type=number]:focus{border-color:var(--navy);outline:none;box-shadow:0 0 0 3px rgba(18,48,90,.15)}
.result{background:var(--navy);color:#fff;border-radius:var(--r-lg);padding:28px}
.result .big{font-family:var(--display);font-size:2.8rem;font-weight:800;color:#fff;line-height:1.05;letter-spacing:-.03em;margin:4px 0 0}
.result dl{display:grid;grid-template-columns:1fr auto;gap:10px 16px;margin:22px 0 0;border-top:1px solid rgba(255,255,255,.15);padding-top:18px}
.result dt{color:#C9D6E8}
.result dd{margin:0;font-weight:600;text-align:right}
.result a{color:#fff}
.result .disclosure{color:#C9D6E8}
@media (max-width:480px){.result dl{grid-template-columns:1fr}.result dd{text-align:left;margin-bottom:6px}}
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:24px}
.tabs button{background:#fff;border:1px solid var(--line);border-radius:999px;padding:10px 18px;font:inherit;font-size:.95rem;font-weight:600;cursor:pointer;color:var(--ink)}
.tabs button[aria-selected=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
.panel[hidden]{display:none}

/* Articles */
article.guide{max-width:700px;margin:0 auto;padding:56px 20px}
article.guide h1{font-size:clamp(2rem,4.6vw,2.8rem);font-weight:800;line-height:1.08;letter-spacing:-.03em;margin:0 0 10px}
article.guide .meta{color:var(--slate);font-size:.93rem;margin-bottom:30px}
article.guide h2{font-size:1.5rem;margin-top:40px;margin-bottom:8px}
article.guide li{margin-bottom:8px}
.prose{max-width:700px}
.prose h2{font-size:1.4rem;margin:32px 0 8px}
.note{background:var(--mist);border-radius:var(--r-sm);padding:14px 18px;font-size:.95rem;color:var(--slate)}
.disclosure{font-size:.86rem;color:var(--slate)}

/* Footer */
footer.site{background:var(--navy-2);color:#AFC0D6;padding:56px 0 30px;font-size:.92rem;margin-top:40px}
footer.site a{color:#fff;text-decoration:none}
footer.site a:hover{text-decoration:underline;color:#fff}
footer.site .logo,footer.site .logo span{color:#fff}
footer.site .cols{display:grid;gap:28px;grid-template-columns:2fr 1fr 1fr}
@media (max-width:760px){footer.site .cols{grid-template-columns:1fr}}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:8px}
footer.site .fine{border-top:1px solid #23395E;margin-top:32px;padding-top:20px;font-size:.8rem;line-height:1.6}