@font-face{font-family:"Bricolage Grotesque";font-style:normal;font-display:swap;font-weight:200 800;src:url("fonts/bricolage-grotesque.woff2") format("woff2-variations");}
@font-face{font-family:"Public Sans";font-style:normal;font-display:swap;font-weight:100 900;src:url("fonts/public-sans.woff2") format("woff2-variations");}
:root{
  --ink:#10283A;--text:#2E3F4B;--muted:#5A6B77;
  --pine:#1E5B4F;--pine-dark:#15443B;--birch:#F5F8F7;--mist:#DDE8E6;--line:#C9D7D4;
  --amber:#F2A93B;--amber-dark:#D98F22;--warn:#A63D2A;--warn-bg:#FBEDE9;--white:#FFFFFF;
  --display:"Bricolage Grotesque","Segoe UI",Arial,sans-serif;
  --body:"Public Sans","Segoe UI",Arial,sans-serif;
  --wrap:1180px;--measure:68ch;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;font-family:var(--body);font-size:1.0625rem;line-height:1.65;color:var(--text);background:var(--birch)}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--pine);text-underline-offset:3px}
a:hover{color:var(--pine-dark)}
:focus-visible{outline:3px solid var(--amber);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--display);color:var(--ink);line-height:1.12;margin:0 0 .6em;letter-spacing:-.015em;text-wrap:balance}
h1{font-size:clamp(2.2rem,5.2vw,3.9rem);font-weight:750}
h2{font-size:clamp(1.65rem,3.2vw,2.45rem);font-weight:700}
h3{font-size:1.28rem;font-weight:650}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:8px 14px;z-index:99}
.skip:focus{left:10px}

/* notice strip + header */
.notice{background:var(--ink);color:#D5E2E6;font-size:.82rem;padding:7px 0;text-align:center}
.notice a{color:#fff}
.site-header{position:sticky;top:0;z-index:50;background:rgba(245,248,247,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:18px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--display);font-weight:750;font-size:1.12rem;white-space:nowrap}
.logo svg{width:34px;height:34px}
.logo small{display:block;font-family:var(--body);font-weight:500;font-size:.7rem;color:var(--muted);letter-spacing:.01em}
.nav{display:flex;align-items:center;gap:4px}
.nav a{text-decoration:none;color:var(--ink);font-size:.93rem;font-weight:550;padding:8px 10px;border-radius:8px}
.nav a:hover,.nav a[aria-current="page"]{background:var(--mist)}
.nav .btn{margin-left:8px}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 10px;font:inherit;color:var(--ink);cursor:pointer}
@media (max-width:980px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;top:68px;left:0;right:0;flex-direction:column;align-items:stretch;background:var(--birch);border-bottom:1px solid var(--line);padding:10px 22px 18px}
  .nav.open{display:flex}
  .nav .btn{margin:8px 0 0;text-align:center}
}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--body);font-weight:700;font-size:1rem;text-decoration:none;border-radius:12px;padding:14px 22px;border:2px solid transparent;cursor:pointer;line-height:1.2}
.btn-amber{background:var(--amber);color:var(--ink)}
.btn-amber:hover{background:var(--amber-dark);color:var(--ink)}
.btn-ghost{background:transparent;border-color:var(--ink);color:var(--ink)}
.btn-ghost:hover{background:var(--ink);color:#fff}
.btn-sm{padding:9px 14px;font-size:.9rem;border-radius:10px}

/* hero */
.hero{position:relative;background:var(--birch);isolation:isolate}
.hero-bg{position:absolute;inset:0;z-index:0;overflow:hidden}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:60% 55%;display:block}
.hero-bg::after{content:"";position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(245,248,247,.9) 0%,rgba(245,248,247,.8) 34%,rgba(245,248,247,.45) 54%,rgba(245,248,247,.22) 100%),
             linear-gradient(180deg,rgba(245,248,247,.5) 0%,rgba(245,248,247,0) 26%,rgba(245,248,247,0) 78%,rgba(16,40,58,.28) 100%)}
.hero-inner{padding-bottom:64px}
@media (max-width:900px){
  .hero-bg{height:min(62vh,520px);bottom:auto}
  .hero-bg img{object-position:50% 58%}
  .hero-bg::after{background:linear-gradient(180deg,rgba(245,248,247,.72) 0%,rgba(245,248,247,.5) 40%,rgba(245,248,247,.86) 84%,rgba(245,248,247,1) 100%)}
  .hero-inner{padding-bottom:36px}
}
.hero-inner{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding:56px 22px 40px;max-width:var(--wrap);margin:0 auto;position:relative;z-index:2}
.hero h1 .kw{display:block;font-size:.5em;font-weight:650;color:var(--pine);letter-spacing:0;margin-bottom:.35em}
.hero .lede{font-size:1.2rem;max-width:36rem;color:var(--text)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 26px;padding:0;list-style:none}
.chips li{background:var(--white);border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:.9rem;font-weight:600;color:var(--ink)}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.fine{font-size:.82rem;color:var(--muted)}
.panorama{position:relative;z-index:1;margin-top:-10px}
.panorama svg{width:100%;height:clamp(120px,17vw,230px)}
.cost-card{background:var(--white);border:1px solid var(--line);border-radius:22px;padding:26px;box-shadow:0 18px 40px -24px rgba(16,40,58,.45)}
.cost-card h2{font-size:1.25rem;margin-bottom:.3em}
.cost-row{display:flex;justify-content:space-between;align-items:baseline;border-bottom:1px dashed var(--line);padding:10px 0;gap:10px}
.cost-row:last-of-type{border-bottom:0}
.cost-row b{font-family:var(--display);font-size:1.35rem;color:var(--ink)}
.cost-row.total b{color:var(--warn);font-size:1.7rem}
.cost-bar{display:flex;height:14px;border-radius:7px;overflow:hidden;margin:14px 0 6px}
.cost-bar span:first-child{background:var(--pine)}
.cost-bar span:last-child{background:var(--warn)}
.legend{display:flex;gap:16px;font-size:.8rem;color:var(--muted)}
.legend i{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:5px;vertical-align:middle}
@media (max-width:900px){.hero-inner{grid-template-columns:1fr;padding-top:36px;gap:30px}}

/* sections */
.section{padding:76px 0}
.section.tint{background:var(--mist)}
.section.ink{background:var(--ink);color:#D5E2E6}
.section.ink h2,.section.ink h3{color:#fff}
.section-head{max-width:46rem;margin-bottom:34px}
.section-head p{color:var(--muted);font-size:1.1rem}
.section.ink .section-head p{color:#B6C8CE}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media (max-width:860px){.grid-2{grid-template-columns:minmax(0,1fr)}}
@media (max-width:960px){.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.grid-3{grid-template-columns:minmax(0,1fr)}}

/* form slot */
#apply-form{scroll-margin-top:80px}
.form-shell{isolation:isolate;background:var(--white);border:2px solid var(--pine);border-radius:22px;padding:30px;position:relative}
.form-shell h2{font-size:1.6rem}
.hero-form{grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);grid-template-areas:"a form" "b form";align-items:start;row-gap:10px}
.hero-a{grid-area:a;align-self:end}.hero-b{grid-area:b}
.hero-form .form-shell{grid-area:form;padding:0;overflow:hidden;box-shadow:0 26px 50px -28px rgba(16,40,58,.55)}
.form-head{background:var(--pine);color:#E4F0EC;padding:22px 26px 18px;position:relative}
.form-head::after{content:"";position:absolute;right:22px;top:20px;width:30px;height:30px;border-radius:50%;background:var(--amber)}
.form-head h2{color:#fff;margin:0 0 4px;padding-right:44px}
.form-head p{margin:0;font-size:.93rem}
.lg-form-wrap{isolation:isolate;padding:18px 20px 4px;min-height:460px;position:relative}
#_lg_form_{isolation:isolate;width:100%;max-width:100%;overflow:hidden}
#_lg_form_ iframe{width:100%!important;max-width:100%;border:0}
.hero-form .secure{padding:0 22px;margin-top:10px}
.form-note{padding:6px 22px 20px;margin:0}
.btn-link{font-weight:650;color:var(--pine);padding:14px 6px}
@media (max-width:900px){.hero-form{grid-template-columns:minmax(0,1fr);grid-template-areas:"a" "form" "b";gap:22px}.hero-form .hero-a h1{font-size:clamp(1.8rem,7.4vw,2.6rem)}.lg-form-wrap{padding:14px 12px 4px}}
.secure{display:flex;gap:14px;flex-wrap:wrap;margin-top:16px;font-size:.85rem;color:var(--muted)}
.secure span::before{content:"";display:inline-block;width:8px;height:8px;border-radius:50%;background:var(--pine);margin-right:6px}

/* benefits */
.benefits{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:4px 36px}
.benefits li{position:relative;padding:14px 0 14px 38px;border-bottom:1px solid var(--line)}
.benefits li::before{content:"";position:absolute;left:0;top:17px;width:22px;height:22px;border-radius:50%;background:var(--pine) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12.5l4 4 8-9' fill='none' stroke='%23fff' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat}
.benefits b{color:var(--ink);display:block}
@media (max-width:760px){.benefits{grid-template-columns:1fr}}

/* steps */
.steps{list-style:none;counter-reset:s;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:3px solid var(--ink)}
.steps li{counter-increment:s;padding:26px 26px 10px 0}
.steps li::before{content:counter(s);display:block;font-family:var(--display);font-size:3.4rem;font-weight:750;color:var(--pine);line-height:1;margin-bottom:12px}
@media (max-width:900px){.steps{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:26px}}
@media (max-width:620px){.steps{grid-template-columns:minmax(0,1fr)}}

/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-left:1px solid rgba(255,255,255,.18)}
.stat{padding:8px 24px 8px;border-right:1px solid rgba(255,255,255,.18)}
.stat b{display:block;font-family:var(--display);font-size:clamp(2rem,3.6vw,2.9rem);color:#fff;line-height:1.05}
.stat span{display:block;font-size:.95rem;margin:6px 0}
.stat cite{font-style:normal;font-size:.75rem;color:#8FA8B0}
@media (max-width:860px){.stats{grid-template-columns:1fr 1fr;row-gap:28px}}

/* estimator */
.estimator{background:var(--white);border:1px solid var(--line);border-radius:22px;padding:28px;display:grid;grid-template-columns:1fr 1fr;gap:34px}
.estimator label{display:block;font-weight:650;color:var(--ink);margin:0 0 6px}
.estimator input[type=range]{width:100%;accent-color:var(--pine)}
.estimator select{width:100%;font:inherit;padding:10px;border-radius:10px;border:1px solid var(--line);background:#fff}
.field{margin-bottom:22px}
.out{background:var(--birch);border-radius:16px;padding:22px}
.out .cost-row b{font-size:1.5rem}
@media (max-width:760px){.estimator{grid-template-columns:1fr}}

/* table */
.table-wrap{overflow-x:auto;border-radius:16px;border:1px solid var(--line);background:#fff}
table{border-collapse:collapse;width:100%;min-width:720px;font-size:.95rem}
th,td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--ink);color:#fff;font-family:var(--display);font-weight:600}
tbody th{color:var(--ink);font-weight:700;background:#F9FBFA}
tr:last-child td,tr:last-child th{border-bottom:0}
.hl{background:#FFF7E8}

/* rating */
.score{display:flex;align-items:center;gap:22px;flex-wrap:wrap}
.score-dial{width:128px;height:128px;border-radius:50%;display:grid;place-items:center;font-family:var(--display);font-weight:750;font-size:2.2rem;color:var(--ink);background:conic-gradient(var(--pine) calc(var(--p)*1%),var(--mist) 0)}
.score-dial span{background:var(--birch);width:98px;height:98px;border-radius:50%;display:grid;place-items:center}
.bars{list-style:none;margin:0;padding:0}
.bars li{display:grid;grid-template-columns:200px 1fr 44px;gap:12px;align-items:center;padding:7px 0;font-size:.95rem}
.bars .track{display:block;height:10px;background:var(--mist);border-radius:5px;overflow:hidden}
.bars .fill{display:block;height:100%;background:var(--pine)}
@media (max-width:600px){.bars li{grid-template-columns:1fr 44px}.bars .track{grid-column:1/-1;grid-row:2}}

/* checklist, callouts */
.callout{border-left:5px solid var(--amber);background:#FFF9EE;padding:18px 22px;border-radius:0 14px 14px 0;margin:1.4em 0}
.callout.warn{border-color:var(--warn);background:var(--warn-bg)}
.callout.info{border-color:var(--pine);background:#EAF3F0}
.callout p:last-child{margin:0}
.tips{counter-reset:t;list-style:none;padding:0;margin:0}
.tips li{padding:16px 0;border-bottom:1px solid var(--line)}
.tips li b{color:var(--ink)}

/* FAQ */
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;list-style:none;font-family:var(--display);font-weight:650;font-size:1.13rem;color:var(--ink);padding:16px 40px 16px 0;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:10px;font-size:1.7rem;color:var(--pine);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{max-width:var(--measure)}

/* guides */
.guide{display:block;text-decoration:none;color:var(--text);background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden}
.guide:hover{border-color:var(--pine)}
.guide .art{height:130px;position:relative;overflow:hidden}
.guide .art::after{content:"";position:absolute;inset:auto 0 0 0;height:70px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 400 70' preserveAspectRatio='none'%3E%3Cpath d='M0 38 C70 20 130 28 190 34 C260 16 330 22 400 30 V70 H0Z' fill='%23ffffff' fill-opacity='.22'/%3E%3Cpath d='M0 52 C90 40 170 46 250 50 C320 42 370 46 400 44 V70 H0Z' fill='%2310283A' fill-opacity='.35'/%3E%3Cpath d='M300 52 L310 24 L318 44 L328 14 L338 44 L348 28 L358 52Z M20 52 L30 30 L38 46 L48 22 L58 52Z' fill='%2310283A' fill-opacity='.55'/%3E%3C/svg%3E") bottom/100% 100% no-repeat}
.guide .art::before{content:"";position:absolute;right:22%;top:26px;width:34px;height:34px;border-radius:50%;background:#FBE6C4;opacity:.95}
.guide .body{padding:18px 20px 22px}
.guide h3{font-size:1.15rem;margin-bottom:.4em}
.guide p{font-size:.93rem;color:var(--muted);margin:0}

/* final cta */
.final{background:var(--pine);color:#E4F0EC;border-radius:26px;padding:48px;display:grid;grid-template-columns:1.4fr .6fr;gap:30px;align-items:center}
.final h2{color:#fff}
@media (max-width:760px){.final{grid-template-columns:1fr;padding:32px}}

/* article */
.page-hero{padding:44px 0 34px;border-bottom:1px solid var(--line);background:linear-gradient(180deg,var(--mist),var(--birch))}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted)}
.byline{display:flex;flex-wrap:wrap;gap:6px 18px;font-size:.88rem;color:var(--muted);margin-top:10px}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:52px;padding:44px 22px 70px;max-width:var(--wrap);margin:0 auto}
.prose{max-width:var(--measure)}
.prose h2{font-size:1.7rem;margin-top:1.8em}
.prose h3{margin-top:1.5em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.45em}
.aside{position:sticky;top:90px;align-self:start}
.aside .box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;margin-bottom:18px}
.aside .box h3{font-size:1.05rem}
.aside ul{list-style:none;padding:0;margin:0}
.aside li{padding:6px 0;border-bottom:1px solid var(--mist);font-size:.93rem}
.toc a{text-decoration:none}
@media (max-width:960px){.article-layout{grid-template-columns:minmax(0,1fr)}.aside{position:static}}
.author-box{display:flex;gap:16px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px;margin-top:40px}
.author-box .mark{flex:0 0 52px;height:52px;border-radius:14px;background:var(--pine);display:grid;place-items:center}
.author-box .mark svg{width:30px;height:30px}
.sources{font-size:.9rem}
.sources li{word-break:break-word}

/* footer */
.site-footer{background:var(--ink);color:#B6C8CE;padding:56px 0 30px;font-size:.92rem}
.site-footer a{color:#DCE8EB;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:34px;margin-bottom:34px}
.foot-grid h3{color:#fff;font-size:1rem}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{padding:4px 0}
.disclosures{border-top:1px solid rgba(255,255,255,.15);padding-top:24px;font-size:.8rem;line-height:1.6;color:#94AAB2}
.disclosures p{margin-bottom:.8em}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
.mobile-cta{display:none}
@media (max-width:760px){
  .chips li{font-size:.82rem;padding:5px 11px}
  .mobile-cta{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:40;transform:translateY(140%);transition:transform .25s ease}
  .mobile-cta.show{transform:none}
  .mobile-cta .btn{width:100%;box-shadow:0 10px 24px -8px rgba(16,40,58,.5)}
  body{padding-bottom:78px}
}
.sitemap-list{columns:2;column-gap:40px}
@media (max-width:600px){.sitemap-list{columns:1}}

/* services */
.services{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.svc-layout{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:56px;align-items:start}
.svc-intro{position:sticky;top:100px}
.svc-intro h2{font-size:clamp(1.8rem,3.4vw,2.6rem)}
.svc-intro h3{font-size:1.1rem;margin-top:1.4em;color:var(--pine)}
.svc-intro p{color:var(--text)}
.svc-intro .btn{margin-top:8px}
.svc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:36px}
.svc{padding:26px 0 24px;border-top:2px solid var(--ink)}
.svc-ic{display:inline-grid;place-items:center;width:46px;height:46px;border-radius:12px;background:var(--mist);margin-bottom:14px}
.svc-ic svg{width:26px;height:26px;fill:none;stroke:var(--pine);stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.svc h3{font-size:1.2rem;margin-bottom:.45em}
.svc p{font-size:.97rem;margin-bottom:.8em}
.svc a{font-weight:650}
@media (max-width:980px){.svc-layout{grid-template-columns:minmax(0,1fr);gap:20px}.svc-intro{position:static}}
@media (max-width:640px){.svc-grid{grid-template-columns:minmax(0,1fr)}}
.site-footer .logo svg{background:#DDE8E6;border-radius:9px;padding:3px}

/* borrower voices */
.voices{background:var(--birch)}
.voice-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.voice{background:var(--white);border:1px solid var(--line);border-top:5px solid var(--pine);border-radius:16px;padding:22px 22px 18px;display:flex;flex-direction:column}
.voice-complaint{border-top-color:var(--warn)}
.voice-mixed{border-top-color:var(--amber)}
.voice-tag{align-self:flex-start;font-size:.78rem;font-weight:700;padding:3px 10px;border-radius:999px;background:#EAF3F0;color:var(--pine);margin-bottom:12px}
.voice-complaint .voice-tag{background:var(--warn-bg);color:var(--warn)}
.voice-mixed .voice-tag{background:#FFF4DF;color:#8A5A0F}
.voice h3{font-size:1.15rem;margin-bottom:.5em}
.voice p{font-size:.95rem;margin-bottom:.8em}
.voice-tip{background:var(--birch);border-radius:10px;padding:10px 12px}
.voice-src{margin-top:auto;margin-bottom:0;font-size:.8rem;color:var(--muted)}
@media (max-width:960px){.voice-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.voice-grid{grid-template-columns:minmax(0,1fr)}}

/* E-E-A-T: methodology + expert guidance */
.eeat{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.method{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:start}
.method-intro p{font-size:1.08rem}
.method-facts{list-style:none;padding:0;margin:26px 0 0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0;border-top:1px solid var(--line)}
.method-facts li{padding:16px 16px 16px 0;border-bottom:1px solid var(--line)}
.method-facts b{display:block;font-family:var(--display);font-size:1.7rem;color:var(--pine);line-height:1.1}
.method-facts span{font-size:.9rem;color:var(--muted)}
.method-steps{list-style:none;counter-reset:m;padding:0;margin:0}
.method-steps li{counter-increment:m;position:relative;padding:0 0 26px 62px;border-left:2px solid var(--mist);margin-left:20px}
.method-steps li:last-child{border-left-color:transparent;padding-bottom:0}
.method-steps li::before{content:counter(m);position:absolute;left:-21px;top:-4px;width:40px;height:40px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-family:var(--display);font-weight:700}
.method-steps h3{font-size:1.12rem;margin-bottom:.35em}
.method-steps p{font-size:.96rem;margin:0}
.method-links{display:flex;flex-wrap:wrap;gap:10px 26px;margin:30px 0 0;font-weight:650}
.xp-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.xp{border:1px solid var(--line);border-radius:16px;padding:22px;display:flex;flex-direction:column;background:var(--birch)}
.xp-head{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.xp-mark{flex:0 0 auto;min-width:46px;height:46px;padding:0 8px;border-radius:12px;background:var(--ink);color:#fff;display:grid;place-items:center;font-family:var(--display);font-weight:700;font-size:.9rem}
.xp-org{font-size:.85rem;font-weight:650;color:var(--muted);line-height:1.3}
.xp h3{font-size:1.1rem;margin-bottom:.5em}
.xp-said{font-size:.96rem;border-left:3px solid var(--pine);padding-left:12px}
.xp-means{font-size:.93rem;background:var(--white);border-radius:10px;padding:10px 12px}
.xp-src{margin-top:auto;font-size:.85rem;font-weight:650}
@media (max-width:960px){.method{grid-template-columns:minmax(0,1fr);gap:34px}.xp-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.xp-grid{grid-template-columns:minmax(0,1fr)}.method-facts{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}}

/* related guides */
.related{margin-top:40px;border-top:2px solid var(--ink);padding-top:6px}
.related h2{font-size:1.3rem;margin-top:.8em}
.related ul{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.related li{margin:0}
.related a{display:block;height:100%;background:var(--white);border:1px solid var(--line);border-radius:12px;padding:12px 14px;font-weight:650;text-decoration:none}
.related a:hover{border-color:var(--pine)}
@media (max-width:640px){.related ul{grid-template-columns:minmax(0,1fr)}}
.glossary{margin:0 0 1.2em;padding:0}.glossary dt{font-weight:700;color:var(--ink);margin-top:.9em}.glossary dd{margin:.2em 0 0;padding-left:0}
@media (max-width:640px){table.compact th,table.compact td{padding:10px 7px;font-size:.86rem}}

/* photos */
.feature{margin:0 0 28px;border-radius:18px;overflow:hidden;background:var(--mist);aspect-ratio:16/9}
.feature img{width:100%;height:100%;object-fit:cover;display:block}
.guide .art.has-photo{height:auto;aspect-ratio:16/9}
.guide .art.has-photo::before,.guide .art.has-photo::after{display:none}
.guide .art.has-photo img{width:100%;height:100%;object-fit:cover;display:block}
.guide .art{height:auto;aspect-ratio:16/9}
/* homepage photos */
.svc-photo{aspect-ratio:16/9;border-radius:14px;overflow:hidden;margin-bottom:16px;background:var(--mist)}
.svc-photo img{width:100%;height:100%;object-fit:cover;display:block}
.svc-photo-empty{display:grid;place-items:center;background:linear-gradient(135deg,#1E5B4F,#2F6F80)}
.svc-photo-empty svg{width:64px;height:64px;fill:none;stroke:#fff;stroke-width:1.4;stroke-linecap:round;stroke-linejoin:round;opacity:.9}
.ready-photo{margin:22px 0 0;border-radius:22px;overflow:hidden;aspect-ratio:16/9}
.ready-photo img,.final-photo img{width:100%;height:100%;object-fit:cover;display:block}
.final-side{display:flex;flex-direction:column;gap:16px}
.final-photo{margin:0;border-radius:16px;overflow:hidden;aspect-ratio:16/9;border:3px solid rgba(255,255,255,.25)}
.feature.inline{margin:32px 0 8px}
.author-box .mark{background:var(--mist)}

/* tablet/mobile UI polish */
.notice a{display:inline-block;padding:6px 2px}
.svc a,.xp-src,.guide,.voice a{min-height:44px}
.svc a{display:inline-flex;align-items:center;min-height:44px}
.xp-src{display:inline-flex;align-items:center}
@media (max-width:480px){.foot-grid{grid-template-columns:minmax(0,1fr);gap:26px}}
@media (max-width:900px){.svc-grid{column-gap:24px}.method-facts li{padding-right:10px}}
table.wide6 th,table.wide6 td{padding:12px 10px;font-size:.92rem}
@media (max-width:1100px){table.wide6 th,table.wide6 td{padding:10px 8px;font-size:.86rem}}
@media (max-width:900px){table.wide6{min-width:0}table.wide6 th,table.wide6 td{padding:9px 6px;font-size:.82rem}}
@media (max-width:620px){table.wide6{min-width:620px}}
.estimator input[type=range]{height:28px;cursor:pointer}
.estimator input[type=range]::-webkit-slider-thumb{width:26px;height:26px}
.estimator input[type=range]::-moz-range-thumb{width:26px;height:26px}
.foot-grid h2{color:#fff;font-size:1rem;margin:0 0 .6em;font-family:var(--display)}
.nudge{background:#FFF9EE;border:1px solid #F2D9A8;border-left:5px solid var(--amber);border-radius:0 12px 12px 0;padding:14px 18px;margin:18px 0;font-size:.97rem}
.nudge a{font-weight:700}
.mid-cta{display:flex;align-items:center;gap:16px;flex-wrap:wrap;margin:28px 0 0}
.mid-cta .fine{margin:0}