@font-face{font-family:"Figtree";font-style:normal;font-weight:400;font-display:swap;src:url(fonts/figtree-latin-400-normal.woff2) format("woff2")}@font-face{font-family:"Figtree";font-style:normal;font-weight:500;font-display:swap;src:url(fonts/figtree-latin-500-normal.woff2) format("woff2")}@font-face{font-family:"Figtree";font-style:normal;font-weight:600;font-display:swap;src:url(fonts/figtree-latin-600-normal.woff2) format("woff2")}@font-face{font-family:"Libre Caslon Text";font-style:normal;font-weight:400;font-display:swap;src:url(fonts/libre-caslon-text-subset.woff2) format("woff2")}:root{--ink:#25844F;--ink-deep:#1C6A3F;--ink-dark:#14502F;--accent:#4FB3F0;--sky-ink:#1F7BBF;--mint:#8FD3A6;--mint-soft:#DDF2E4;--bg:#EDF4F0;--panel:#F7FAF8;--card:#FFFFFF;--text:#14231B;--text-2:#26362D;--muted:#4F5F57;--line:#DCE6E0;--r:18px;--r-in:12px;--pad:clamp(1.4rem,4vw,2.9rem);--gap:22px;--maxw:1200px;--edge:0 1px 2px rgba(20,35,27,.05),0 10px 28px -18px rgba(20,35,27,.28);--font:"Figtree",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;--serif:"Libre Caslon Text",Georgia,"Times New Roman",serif;}*,*::before,*::after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}body{margin:0;background:var(--bg);color:var(--text);font:400 16px/1.6 var(--font);overflow-x:hidden}img{max-width:100%;display:block}a{color:var(--ink-deep);text-underline-offset:3px}a:hover{color:var(--ink-dark)}:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:6px}h1,h2,h3{text-wrap:balance;color:var(--text);margin:0}h1{font-size:clamp(2.1rem,3.5vw,3rem);font-weight:500;letter-spacing:-.03em;line-height:1.08}h2{font-size:clamp(1.6rem,2.6vw,2.1rem);font-weight:500;letter-spacing:-.02em;line-height:1.15}h3{font-size:1.14rem;font-weight:600;letter-spacing:-.01em;line-height:1.3}p{margin:0}.skip{position:absolute;left:-999px;top:8px;z-index:2147483600;background:var(--card);padding:.6rem 1rem;border-radius:10px}.skip:focus{left:12px}.wrap{width:100%;max-width:calc(var(--maxw) + 2*max(16px,env(safe-area-inset-left,0px)));margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}.stack{display:flex;flex-direction:column;gap:var(--gap)}.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--edge);padding:var(--pad)}.eyebrow{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-deep);display:block}.muted{color:var(--muted)}.lead{font-size:1.06rem;color:var(--text-2)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:46px;padding:.7rem 1.25rem;border-radius:10px;font:600 .98rem/1.2 var(--font);text-decoration:none;border:1px solid transparent;cursor:pointer;white-space:nowrap}.btn-ink{background:var(--ink);color:#fff}.btn-ink:hover{background:var(--ink-deep);color:#fff}.btn-line{background:var(--card);color:var(--text);border-color:var(--line)}.btn-line:hover{border-color:var(--ink);color:var(--ink-dark)}.btn-white{background:#fff;color:var(--ink-dark)}.btn-white:hover{background:var(--mint-soft);color:var(--ink-dark)}.icon{width:22px;height:22px;flex:none;stroke:currentColor;fill:none;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}.topnav{position:sticky;top:10px;z-index:2147483000;isolation:isolate;height:0}.topnav .bar{position:relative;display:flex;align-items:center;gap:.4rem;height:60px;margin:4px 6px 0;padding:0 .8rem 0 1rem;border-radius:calc(var(--r) - 4px);border:1px solid transparent;background:rgba(247,250,248,.88);transition:background .2s,border-color .2s,box-shadow .2s}.topnav.floating .bar{margin:0;height:68px;background:var(--panel);border-color:var(--line);box-shadow:var(--edge)}.logo{display:inline-flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--text);margin-right:1rem;flex:none}.logo img{width:34px;height:34px}.logo span{font-weight:600;font-size:.84rem;letter-spacing:.14em;text-transform:uppercase;white-space:nowrap}.menu{display:flex;align-items:center;gap:.15rem;list-style:none;margin:0;padding:0}.menu>li{position:relative}.menu>li>a,.menu>li>button{display:inline-flex;align-items:center;gap:.3rem;min-height:44px;padding:0 .7rem;border:0;background:none;font:500 .95rem var(--font);color:var(--text);text-decoration:none;border-radius:10px;cursor:pointer}.menu>li>a:hover,.menu>li>button:hover{color:var(--ink-dark);background:rgba(37,132,79,.07)}.menu .chev{width:14px;height:14px;stroke:currentColor;fill:none;stroke-width:1.8}.dd{position:absolute;top:100%;left:0;margin:0;list-style:none;padding:.45rem;background:var(--panel);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);box-shadow:var(--edge);width:max-content;max-width:calc(100vw - 32px);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}.menu>li:hover>.dd,.menu>li:focus-within>.dd,.menu>li.open>.dd{visibility:visible;opacity:1;transition-delay:0s}.dd a{display:block;white-space:nowrap;padding:.55rem .8rem;border-radius:8px;color:var(--text);text-decoration:none;font-size:.95rem}.dd a:hover,.dd a:focus-visible{background:var(--mint-soft);color:var(--ink-dark)}.nav-gap{flex:1;min-width:2rem}.nav-apply{border-radius:999px;background:var(--ink);color:#fff;padding:0 1.35rem;min-height:44px;display:inline-flex;align-items:center;font-weight:600;text-decoration:none;flex:none}.nav-apply:hover{background:var(--ink-deep);color:#fff}.burger{display:none;margin-left:auto;width:44px;height:44px;border:1px solid var(--line);background:var(--card);border-radius:10px;cursor:pointer;align-items:center;justify-content:center}.burger svg{width:22px;height:22px;stroke:var(--text);fill:none;stroke-width:1.8}.hero{position:relative;overflow:hidden;border-radius:var(--r);border:1px solid var(--line);background:var(--panel);box-shadow:var(--edge)}.hero-media{display:block}.hero-media img{width:100%;height:auto;aspect-ratio:16/9}.hero-text{position:relative;z-index:1;padding:calc(68px + 1.6rem) var(--pad) var(--pad);display:flex;flex-direction:column;gap:.85rem;max-width:calc(600px + 2*var(--pad))}.hero-text>*{max-width:480px}.hero-text>nav[aria-label="On this page"]{max-width:600px}.updated{font-size:.82rem;color:var(--text-2)}.crumbs{font-size:.84rem;color:var(--text-2)}.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.35rem}.crumbs li+li::before{content:"/";margin-right:.35rem;color:var(--muted)}.crumbs a{color:var(--text-2)}.ctas{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:.2rem}.trust{display:flex;align-items:center;gap:.8rem;flex-wrap:wrap;font-size:.88rem;color:var(--text-2)}.avatars{display:flex}.avatars img{width:38px;height:38px;border-radius:50%;border:2px solid #fff;margin-left:-10px;object-fit:cover}.avatars img:first-child{margin-left:0}.stars{display:inline-flex;gap:2px;color:var(--accent)}.stars svg{width:16px;height:16px;fill:currentColor}.stars svg.off{fill:var(--line)}.trust b{color:var(--text);font-weight:600}.chips{display:flex;flex-wrap:nowrap;overflow-x:auto;gap:.35rem;list-style:none;margin:0;padding:0;scrollbar-width:none}.chips::-webkit-scrollbar{display:none}.chips li{flex:none}.chips a{display:inline-flex;align-items:center;height:32px;padding:.3rem .65rem;font-size:.8rem;font-weight:500;border-radius:999px;background:var(--card);border:1px solid var(--line);color:var(--text);text-decoration:none;white-space:nowrap}.chips a:hover{border-color:var(--ink);color:var(--ink-dark)}.chips-label{font-size:.72rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--text-2)}@media (min-width:1121px){.hero.fb{aspect-ratio:16/9;background:#dfe7e2}.hero.fb .hero-media{position:absolute;inset:0;z-index:0}.hero.fb .hero-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;aspect-ratio:auto}.hero.fb::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background:linear-gradient(90deg,rgba(247,250,248,.72) 0,rgba(247,250,248,.62) calc(var(--pad) + 300px),rgba(247,250,248,.55) calc(var(--pad) + 480px),rgba(247,250,248,0) max(56%,calc(var(--pad) + 560px)))}.hero.fb .hero-text{position:relative;z-index:1}.hero.fb .eyebrow{color:#0B3320}.hero.fb .lead,.hero.fb .updated,.hero.fb .crumbs,.hero.fb .crumbs a,.hero.fb .trust{color:var(--text)}.hero.fb .chips{display:block;text-wrap:balance;max-width:600px;font-size:0;line-height:0;margin:0 -.175rem}.hero.fb .chips li{display:inline-block;margin:.175rem}}@media (max-width:1120px){.hero-media{padding:0 var(--pad) var(--pad)}.hero-media img{max-width:720px;border-radius:var(--r-in)}}main{display:flex;flex-direction:column;gap:var(--gap);padding-top:var(--gap)}.sec{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,680px);gap:2.4rem;align-items:start}.sec .sec-head{position:sticky;top:96px;display:flex;flex-direction:column;gap:.6rem}.sec .num{font-size:.8rem;font-weight:600;letter-spacing:.14em;color:var(--sky-ink)}.prose{display:flex;flex-direction:column;gap:1rem;color:var(--text-2);min-width:0}.prose p,.prose li{color:var(--text-2)}.prose h3{margin-top:.6rem}.prose>p:first-child{font-size:1.06rem;color:var(--text);text-wrap:balance}.prose ul,.prose ol{margin:0;padding-left:1.2rem;display:flex;flex-direction:column;gap:.45rem}.prose ul.ticks{list-style:none;padding:0}.prose ul.ticks li{position:relative;padding-left:1.8rem}.prose ul.ticks li::before{content:"";position:absolute;left:0;top:.28rem;width:1.1rem;height:1.1rem;border-radius:50%;background:var(--mint-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231C6A3F' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/70% no-repeat}.prose ol.steps{list-style:none;padding:0;counter-reset:st}.prose ol.steps li{counter-increment:st;position:relative;padding-left:2.4rem}.prose ol.steps li::before{content:counter(st);position:absolute;left:0;top:0;width:1.7rem;height:1.7rem;border-radius:50%;background:var(--ink);color:#fff;font-size:.82rem;font-weight:600;display:flex;align-items:center;justify-content:center}.note{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:var(--r-in);padding:1rem 1.2rem}.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-in);background:var(--card)}.tbl table{width:100%;border-collapse:collapse;font-size:.94rem;min-width:520px}.tbl th,.tbl td{text-align:left;padding:.7rem .9rem;border-bottom:1px solid var(--line);vertical-align:top}.tbl thead th{background:var(--mint-soft);color:var(--text);font-weight:600;font-size:.86rem}.tbl tbody tr:last-child td{border-bottom:0}.sec.wide{grid-template-columns:minmax(0,1fr);gap:1.2rem}.sec.wide .sec-head{position:static}.sec.wide .prose{max-width:none}.split-fig{float:right;width:300px;margin:.3rem 0 1rem 1.6rem}.split-fig img{width:100%;height:auto;aspect-ratio:3/4;border-radius:var(--r-in);object-fit:cover}.prose.has-split{display:block}.prose.has-split>*+*{margin-top:1rem}.prose.has-split::after{content:"";display:block;clear:both}@media (max-width:1020px){.sec{grid-template-columns:minmax(0,1fr);gap:1rem}.sec .sec-head{position:static}}@media (max-width:640px){.split-fig{float:none;width:100%;max-width:420px;margin:.4rem auto 1rem}}.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:var(--gap)}.stat{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.1rem 1.2rem;box-shadow:var(--edge)}.stat b{display:block;font-size:1.5rem;font-weight:500;color:var(--ink-dark);letter-spacing:-.02em}.stat span{font-size:.86rem;color:var(--muted)}@media (max-width:760px){.stats{grid-template-columns:repeat(2,minmax(0,1fr))}}.tiers{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--gap)}.tier{position:relative;display:flex;flex-direction:column;gap:.55rem;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.4rem;box-shadow:var(--edge);text-decoration:none;color:var(--text)}a.tier:hover{border-color:var(--ink)}.tier .amt{font-size:1.8rem;font-weight:500;letter-spacing:-.02em;color:var(--text)}.tier .badge{position:absolute;top:1.1rem;right:1.1rem;font-size:.72rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;background:var(--mint-soft);color:var(--ink-dark);padding:.25rem .6rem;border-radius:999px}.tier .meta{font-size:.92rem;color:var(--muted)}.tier .bar{height:6px;border-radius:999px;background:var(--line);overflow:hidden;margin-top:auto}.tier .bar i{display:block;height:100%;background:var(--accent);border-radius:999px}.tier .go{font-weight:600;color:var(--ink-deep);font-size:.92rem}@media (max-width:860px){.tiers{grid-template-columns:minmax(0,1fr)}}.chiplist{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;margin:0;padding:0}.chiplist a{display:inline-flex;align-items:center;min-height:40px;padding:.4rem .9rem;border-radius:999px;background:var(--card);border:1px solid var(--line);text-decoration:none;color:var(--text);font-size:.92rem}.chiplist a:hover{border-color:var(--ink);color:var(--ink-dark)}.explore{display:flex;flex-direction:column;gap:1.4rem}.explore p.eyebrow{margin-bottom:.7rem}.faqlist{display:flex;flex-direction:column;gap:1rem}.faqlist .qa{background:var(--card);border:1px solid var(--line);border-radius:var(--r-in);padding:1.1rem 1.3rem}.faqlist .qa h3{margin-bottom:.4rem}.faqlist .qa p{color:var(--text-2)}.endgrid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:var(--gap);align-items:stretch}.endgrid>.card{display:flex;flex-direction:column;gap:.9rem}.linklist{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.4rem}.linklist a{display:flex;justify-content:space-between;gap:1rem;padding:.65rem .2rem;border-bottom:1px solid var(--line);text-decoration:none;color:var(--text)}.linklist a:hover{color:var(--ink-dark)}.author{display:flex;gap:1rem;align-items:flex-start}.initials{flex:none;width:56px;height:56px;border-radius:50%;background:var(--ink);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:600;letter-spacing:.04em}.share{display:flex;flex-wrap:wrap;gap:.5rem;align-items:center}.share a,.share button{display:inline-flex;align-items:center;gap:.35rem;min-height:40px;padding:.3rem .8rem;border:1px solid var(--line);border-radius:999px;background:var(--card);font:500 .86rem var(--font);color:var(--text);text-decoration:none;cursor:pointer}@media (max-width:860px){.explore,.endgrid{grid-template-columns:minmax(0,1fr)}}.ctaband{background:var(--ink);color:#fff;border-radius:var(--r);padding:clamp(1.8rem,4vw,3rem) var(--pad);display:flex;align-items:center;justify-content:space-between;gap:1.5rem;flex-wrap:wrap}.ctaband .eyebrow{color:#DDF2E4}.ctaband h2{color:#fff;margin:.35rem 0 .4rem}.ctaband p{color:#EAF6EF;max-width:620px}footer.site{margin-top:var(--gap);margin-bottom:var(--gap)}.foot{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad);box-shadow:var(--edge)}.foot-grid{display:grid;grid-template-columns:minmax(0,1.5fr) repeat(3,minmax(0,1fr));gap:2rem}.foot .logo{margin-bottom:.8rem}.foot address{font-style:normal;color:var(--text-2);font-size:.93rem;line-height:1.7;margin-top:.7rem}.foot .col-h{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:.7rem}.foot ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.2rem}.foot ul a{color:var(--text);text-decoration:none;font-size:.94rem;display:inline-flex;min-height:32px;align-items:center}.foot ul a:hover{color:var(--ink-dark)}.foot-legal{border-top:1px solid var(--line);margin-top:1.8rem;padding-top:1.3rem;font-size:.82rem;color:var(--muted);display:flex;flex-direction:column;gap:.6rem}@media (max-width:900px){.foot-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.foot-brand{grid-column:1/-1}}@media (max-width:480px){.foot-grid{grid-template-columns:minmax(0,1fr)}}.totop{position:fixed;right:calc(1.4rem + env(safe-area-inset-right,0px));bottom:calc(1.4rem + 1.2rem + env(safe-area-inset-bottom,0px));width:56px;height:56px;border-radius:50%;background:var(--card);border:0;box-shadow:0 8px 24px -10px rgba(0,0,0,.35);cursor:pointer;z-index:2147482000;opacity:0;visibility:hidden;transform:translateY(12px) scale(.9);transition:opacity .25s,transform .25s,visibility 0s linear .25s,box-shadow .2s}.totop.show{opacity:1;visibility:visible;transform:none;transition-delay:0s}.totop:hover{box-shadow:0 10px 28px -8px rgba(0,0,0,.45),0 0 0 6px rgba(79,179,240,.18)}.totop svg.ring{position:absolute;inset:0;transform:rotate(-90deg)}.totop .trk{stroke:var(--line);stroke-width:3;fill:none}.totop .prg{stroke:var(--accent);stroke-width:3;fill:none;stroke-linecap:round;stroke-dasharray:157.08;stroke-dashoffset:157.08;transition:stroke-dashoffset .12s linear}.totop .arr{position:absolute;left:50%;top:50%;width:18px;height:18px;margin:-9px 0 0 -9px;stroke:var(--ink);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.totop .pct{position:absolute;bottom:-1.4rem;left:50%;transform:translateX(-50%);font-size:.62rem;font-weight:600;letter-spacing:.08em;color:var(--muted)}.mbar{display:none}@media (max-width:600px){.totop{display:none}.mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:2147481000;align-items:center;justify-content:space-between;gap:.8rem;padding:.65rem max(16px,env(safe-area-inset-right,0px)) calc(.65rem + env(safe-area-inset-bottom,0px)) max(16px,env(safe-area-inset-left,0px));background:var(--panel);border-top:1px solid var(--line);box-shadow:0 -8px 24px -16px rgba(0,0,0,.35);transform:translateY(110%);transition:transform .25s}.mbar.show{transform:none}.mbar span{font-size:.86rem;font-weight:500;color:var(--text)}body{padding-bottom:76px}}.formcard{position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:var(--pad);box-shadow:none;overflow:hidden}.formcard::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--accent)}.formcard .fhead{text-align:center;display:flex;flex-direction:column;gap:.45rem;margin-bottom:1.2rem}.formcard .fhead p{color:var(--muted);font-size:.94rem}.form-embed{position:relative;z-index:1;isolation:isolate}@media (max-width:600px){.formcard{border-radius:12px;padding:1.2rem 1rem}}.intro-cols{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2.4rem}.intro-cols>div{display:flex;flex-direction:column;gap:.7rem}.intro-cols p{color:var(--text-2)}.feat4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:var(--gap);margin-top:1.8rem}.fcard{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.3rem;display:flex;flex-direction:column;gap:.55rem;box-shadow:var(--edge)}.fcard .icon{color:var(--ink);width:26px;height:26px}.fcard p{color:var(--muted);font-size:.94rem}@media (max-width:1020px){.feat4{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:620px){.feat4{grid-template-columns:minmax(0,1fr)}.intro-cols{grid-template-columns:minmax(0,1fr);gap:1.6rem}}.band{position:relative;overflow:hidden;border-radius:var(--r);background:#0F1A14;color:#fff;min-height:460px;display:flex}.band>img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:2/1;max-width:none;z-index:0}.band::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(90deg,#0F1A14 0,#0F1A14 42%,rgba(15,26,20,.55) 52%,rgba(15,26,20,0) 62%)}.band-in{position:relative;z-index:1;padding:var(--pad);display:flex;flex-direction:column;gap:1rem;max-width:calc(42% - 10px);justify-content:center}.band h2{font-family:var(--serif);font-weight:400;color:#fff;font-size:clamp(1.7rem,2.6vw,2.2rem);letter-spacing:-.01em;line-height:1.2}.band p{color:#E3ECE7}.values{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.7rem}.values li{display:flex;gap:.7rem;align-items:flex-start;color:#E3ECE7;font-size:.95rem}.values .icon{color:var(--accent)}.wordmark{font-size:clamp(1.5rem,2.4vw,2rem);font-weight:600;letter-spacing:-.02em;color:#fff;line-height:1.1;margin-top:.4rem}.wordmark small{display:block;font-size:.84rem;font-weight:500;letter-spacing:.08em;color:var(--accent);margin-top:.35rem}@media (max-width:1020px){.band{flex-direction:column;min-height:0}.band>img{position:static;width:100%;height:auto;max-width:720px;aspect-ratio:2/1;margin:0 var(--pad) var(--pad);border-radius:var(--r-in);width:calc(100% - 2*var(--pad))}.band::after{display:none}.band-in{max-width:none}}.secthead{display:flex;flex-direction:column;gap:.55rem;margin-bottom:1.6rem;max-width:760px}.secthead p{color:var(--text-2)}.fgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--gap)}.fgrid .fcard.dark{background:var(--ink-dark);border-color:var(--ink-dark)}.fgrid .fcard.dark h3{color:#fff}.fgrid .fcard.dark p{color:#D7EBDF}.fgrid .fcard.dark .icon{color:var(--mint)}@media (max-width:1020px){.fgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:620px){.fgrid{grid-template-columns:minmax(0,1fr)}}.steps4{display:grid;grid-template-columns:minmax(0,300px) minmax(0,1fr);gap:2.4rem;align-items:center}.clock{position:relative;width:min(260px,100%);aspect-ratio:1;margin:0 auto}.clock svg{width:100%;height:100%;transform:rotate(-90deg)}.clock .c-trk{stroke:var(--line);stroke-width:10;fill:none}.clock .c-seg{fill:none;stroke-width:10;stroke-linecap:round}.clock .c-mid{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}.clock .c-mid b{font-size:2rem;font-weight:500;letter-spacing:-.02em}.clock .c-mid span{font-size:.82rem;color:var(--muted);max-width:150px}.steplist{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:1rem}.steplist li{display:grid;grid-template-columns:44px minmax(0,1fr) auto;gap:1rem;align-items:start;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1rem 1.2rem}.steplist .n{width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:600;color:#fff;background:var(--ink)}.steplist p{color:var(--muted);font-size:.94rem}.steplist .t{font-size:.78rem;font-weight:600;color:var(--sky-ink);white-space:nowrap;padding-top:.2rem}@media (max-width:860px){.steps4{grid-template-columns:minmax(0,1fr)}}.m4{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.25fr);gap:var(--gap);align-items:stretch}.m4-tabs{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.6rem}.m4-tabs li{flex:1 1 0;display:flex}.m4-tabs a{flex:1;display:flex;flex-direction:column;justify-content:center;gap:.2rem;padding:.9rem 1.2rem;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);text-decoration:none;color:var(--text)}.m4-tabs a span{white-space:nowrap}.m4-tabs a .l1{font-weight:600}.m4-tabs a .l2{font-size:.86rem;color:var(--muted)}.m4-tabs a[aria-selected="true"]{border-color:var(--ink);box-shadow:inset 4px 0 0 var(--ink)}.m4-panels{display:flex;flex-direction:column}.m4-panel{flex:1;display:flex;flex-direction:column;gap:1rem;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.6rem}.m4-panel[hidden]{display:none}.m4-panel .big{font-size:2.6rem;font-weight:500;letter-spacing:-.03em;line-height:1}.kv{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem}.kv div{background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:.8rem 1rem}.kv b{display:block;font-size:1.15rem;font-weight:600}.kv span{font-size:.8rem;color:var(--muted)}.m4-panel p{color:var(--text-2)}.m4-panel .ctas{margin-top:auto;align-items:center}@media (max-width:860px){.m4{grid-template-columns:minmax(0,1fr)}}.catlist{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.6rem}.catlist a{display:grid;grid-template-columns:44px minmax(0,1fr) auto;gap:1rem;align-items:center;padding:1rem 1.2rem;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);text-decoration:none;color:var(--text)}.catlist a:hover{border-color:var(--ink)}.catlist .ic{width:44px;height:44px;border-radius:12px;background:var(--mint-soft);display:flex;align-items:center;justify-content:center;color:var(--ink-dark)}.catlist p{color:var(--muted);font-size:.92rem}.catlist .tag{font-size:.74rem;font-weight:600;color:var(--sky-ink);white-space:nowrap}@media (max-width:620px){.catlist a{grid-template-columns:44px minmax(0,1fr)}.catlist .tag{grid-column:2}}.imgcard{position:relative;overflow:hidden;border-radius:var(--r);border:1px solid var(--line);background:var(--panel);box-shadow:var(--edge)}.imgcard>img{position:absolute;top:0;right:0;height:100%;width:auto;aspect-ratio:16/9;max-width:none;z-index:0}.imgcard::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none}.imgcard>:not(img){position:relative;z-index:1}.elig{min-height:440px;display:flex;flex-direction:column;padding:var(--pad)}.elig::after{background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 570px),rgba(247,250,248,.35) calc(var(--pad) + 720px),rgba(247,250,248,.2) 100%)}.elig .txt{max-width:560px;display:flex;flex-direction:column;gap:.85rem;flex:1}.elig .txt>p{color:var(--text-2)}.checks{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.55rem .9rem}.checks label{display:flex;gap:.55rem;align-items:center;white-space:nowrap;font-size:.93rem;cursor:pointer;min-height:32px}.checks input{width:18px;height:18px;accent-color:var(--ink)}.elig .count{font-size:.86rem;color:var(--muted);display:flex;align-items:center;gap:.7rem}.elig .count .meter{flex:1;max-width:220px;height:6px;background:var(--line);border-radius:999px;overflow:hidden}.elig .count .meter i{display:block;height:100%;width:0;background:var(--accent);transition:width .2s}.elig .more{margin-top:auto}.est{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:2rem;padding:var(--pad)}.est::after{background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 470px),rgba(247,250,248,.35) calc(var(--pad) + 620px),rgba(247,250,248,.15) 100%)}.est .txt{max-width:460px;display:flex;flex-direction:column;gap:.85rem}.est .txt>p{color:var(--text-2)}.facts{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.7rem}.facts li{display:flex;gap:.7rem;align-items:flex-start;color:var(--text-2);font-size:.95rem}.facts .icon{color:var(--ink)}.est .more{margin-top:auto}.calcbox{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.4rem;display:flex;flex-direction:column;gap:1rem;box-shadow:var(--edge)}.calcbox label{font-size:.86rem;font-weight:600;color:var(--text)}.calcbox .row{display:flex;justify-content:space-between;align-items:baseline;gap:1rem}.calcbox output{font-weight:600;color:var(--ink-dark)}.calcbox input[type=range]{width:100%;accent-color:var(--ink);min-height:32px}.calcbox select{width:100%;min-height:44px;border:1px solid var(--line);border-radius:10px;padding:0 .8rem;font:500 .95rem var(--font);background:var(--card);color:var(--text)}.calcbox .res{background:var(--mint-soft);border-radius:12px;padding:1rem 1.1rem;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.6rem}.calcbox .res b{display:block;font-size:1.35rem;font-weight:600;color:var(--ink-dark)}.calcbox .res span{font-size:.78rem;color:var(--text-2)}.calcbox .row2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem}.calcbox .row2>div{display:flex;flex-direction:column;gap:.45rem}.calcbox .fine{font-size:.78rem;color:var(--muted)}@media (max-width:1120px){.imgcard>img{position:static;width:100%;height:auto;max-width:720px;border-radius:var(--r-in);margin-top:1.2rem}.imgcard::after{display:none}.elig{min-height:0}.est{grid-template-columns:minmax(0,1fr)}.est>img,.about-card>img{display:none}}@media (min-width:1121px) and (max-width:1260px){.elig .txt{max-width:480px}.elig::after{background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 490px),rgba(247,250,248,.35) calc(var(--pad) + 640px),rgba(247,250,248,.2) 100%)}}@media (max-width:700px){.checks{grid-template-columns:minmax(0,1fr)}.checks label{white-space:normal}}.revsum{display:flex;align-items:center;gap:1.4rem;flex-wrap:wrap;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.2rem 1.4rem;margin-bottom:var(--gap)}.revsum .score{font-size:2.6rem;font-weight:500;letter-spacing:-.03em;line-height:1}.revsum .stars svg{width:22px;height:22px}.revsum p{color:var(--text-2)}.revsum a{margin-left:auto}.rgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--gap)}.rcard{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.3rem;display:flex;flex-direction:column;gap:.6rem;box-shadow:var(--edge)}.rcard .who{display:flex;gap:.75rem;align-items:center}.rcard .ini{width:40px;height:40px;border-radius:50%;background:var(--mint-soft);color:var(--ink-dark);display:flex;align-items:center;justify-content:center;font-weight:600;font-size:.86rem;flex:none}.rcard .who b{display:block;font-size:.95rem}.rcard .who span{font-size:.82rem;color:var(--muted)}.rcard h3{font-size:1rem}.rcard p{color:var(--text-2);font-size:.94rem}.rcard .tag{margin-top:auto;font-size:.78rem;color:var(--sky-ink);font-weight:600}@media (max-width:1020px){.rgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:620px){.rgrid{grid-template-columns:minmax(0,1fr)}}.dots{letter-spacing:.12em;color:var(--ink);white-space:nowrap}.dots i{font-style:normal;color:var(--line)}.t1{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:var(--gap);align-items:stretch}.t1-left{display:flex;flex-direction:column;gap:var(--gap)}.factors{flex:1;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.3rem;display:flex;flex-direction:column;gap:1rem}.factors .g{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem 1.4rem}.factors h3{font-size:.98rem}.factors p{font-size:.9rem;color:var(--muted)}.repcard{background:var(--ink-dark);color:#fff;border-radius:calc(var(--r) - 6px);padding:1.6rem;display:flex;flex-direction:column;gap:1rem}.repcard h3{color:#fff;font-size:1.3rem}.repcard p{color:#D7EBDF;font-size:.94rem}.repcard .eyebrow{color:var(--mint)}.repcard dl{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.7rem;margin:0}.repcard dl div{background:rgba(255,255,255,.07);border-radius:10px;padding:.7rem .9rem}.repcard dt{font-size:.76rem;color:#CDE5D6}.repcard dd{margin:0;font-size:1.2rem;font-weight:600;color:#fff}.repcard a{color:#fff;margin-top:auto;font-weight:600}@media (max-width:900px){.t1{grid-template-columns:minmax(0,1fr)}}@media (max-width:520px){.factors .g{grid-template-columns:minmax(0,1fr)}}.cols3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:2rem}.cols3>div,.cols2>div{display:flex;flex-direction:column;gap:.6rem}.cols3 p,.cols2 p,.cols2 li{color:var(--text-2);font-size:.95rem}.cols2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2.4rem}.cols2 ul{margin:0;padding-left:1.1rem;display:flex;flex-direction:column;gap:.45rem}@media (max-width:860px){.cols3,.cols2{grid-template-columns:minmax(0,1fr)}}.about-card{padding:var(--pad);display:grid;grid-template-columns:minmax(0,520px) minmax(0,1fr);gap:2rem;align-items:center}.about-card::after{background:linear-gradient(90deg,var(--panel) 0,var(--panel) calc(var(--pad) + 530px),rgba(247,250,248,.3) calc(var(--pad) + 680px),rgba(247,250,248,.1) 100%)}.about-card .txt{max-width:520px;display:flex;flex-direction:column;gap:.8rem}.about-card .txt>p{color:var(--text-2)}.reviewed{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:.75rem 1rem;font-size:.86rem;color:var(--text-2)}.nap{justify-self:end;width:min(100%,360px);background:var(--ink-dark);color:#fff;border-radius:calc(var(--r) - 6px);padding:1.5rem;display:flex;flex-direction:column;gap:.55rem}.nap b{font-size:1.1rem}.nap address{font-style:normal;color:#D7EBDF;line-height:1.7;font-size:.94rem}.nap .nl{font-size:.82rem;color:var(--mint);font-weight:600;letter-spacing:.06em;text-transform:uppercase}@media (max-width:1120px){.about-card{grid-template-columns:minmax(0,1fr)}.nap{justify-self:start}}.faqhome{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:2.4rem;align-items:start}.faqimg{width:340px}.faqhome .acc{display:flex;flex-direction:column;gap:.7rem}.acc details{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:0 1.2rem}.acc summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:1rem;align-items:center;min-height:56px;font-weight:600}.acc summary::-webkit-details-marker{display:none}.acc summary::after{content:"+";font-size:1.3rem;color:var(--ink);font-weight:400}.acc details[open] summary::after{content:"\2212"}.acc details p{padding:0 0 1rem;color:var(--text-2)}.faqimg{position:relative}.faqimg img{width:100%;height:auto;aspect-ratio:3/5;object-fit:cover;border-radius:var(--r-in)}@media (max-width:1020px){.faqhome{grid-template-columns:minmax(0,1fr)}.faqimg{width:auto}.faqimg img{position:static;height:auto;aspect-ratio:3/5;max-width:420px;margin:0 auto}}.bgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--gap)}.bcard{display:flex;flex-direction:column;background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);overflow:hidden;box-shadow:var(--edge);text-decoration:none;color:var(--text)}.bcard img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}.bcard .b{display:flex;flex-direction:column;gap:.55rem;padding:1.2rem 1.3rem 1.3rem;flex:1}.bcard .k{font-size:.74rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--sky-ink)}.bcard p{color:var(--muted);font-size:.93rem}.bcard .go{margin-top:auto;font-weight:600;color:var(--ink-deep);font-size:.92rem}@media (max-width:1020px){.bgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:620px){.bgrid{grid-template-columns:minmax(0,1fr)}}.related2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--gap)}@media (max-width:620px){.related2{grid-template-columns:minmax(0,1fr)}}.lenders{display:grid;grid-template-columns:minmax(0,1fr);gap:1rem}.lcard{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--r) - 6px);padding:1.3rem;display:flex;flex-direction:column;gap:.6rem}.lcard .lfacts{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.4rem .9rem;font-size:.86rem;color:var(--muted)}.lcard .lfacts b{color:var(--text);font-weight:600}.lcard .prose{gap:.6rem}.lcard .best{font-size:.86rem;color:var(--sky-ink);font-weight:600;margin-top:auto}@media (max-width:860px){.lcard .lfacts{grid-template-columns:repeat(2,minmax(0,1fr))}}.terms dl{margin:0;display:flex;flex-direction:column;gap:.8rem}.terms .term{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:1rem 1.2rem;scroll-margin-top:100px}.terms dt{font-weight:600;margin-bottom:.3rem}.terms dd{margin:0;color:var(--text-2)}.az{display:flex;flex-wrap:wrap;gap:.35rem;list-style:none;margin:0;padding:0}.az a{display:inline-flex;width:40px;height:40px;align-items:center;justify-content:center;border-radius:10px;background:var(--card);border:1px solid var(--line);text-decoration:none;font-weight:600;color:var(--text)}.sitemap-cols{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:2rem}.sitemap-cols ul{padding-left:1.1rem;margin:.6rem 0 0;display:flex;flex-direction:column;gap:.35rem}@media (max-width:860px){.sitemap-cols{grid-template-columns:minmax(0,1fr)}}.calc-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:2rem;align-items:stretch}.calc-grid .txt{display:flex;flex-direction:column;gap:.85rem}.calc-grid .txt>p{color:var(--text-2)}@media (max-width:1120px){.calc-grid{grid-template-columns:minmax(0,1fr)}}.tbl th[scope=row]{min-width:150px}@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}@media (max-width:1060px){.topnav .bar{background:var(--panel);border-color:var(--line);box-shadow:var(--edge)}.burger{display:inline-flex}.menu{display:none;position:absolute;left:0;right:0;top:76px;flex-direction:column;align-items:stretch;background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:.6rem;box-shadow:var(--edge);max-height:calc(100vh - 110px);overflow:auto}.topnav.menu-open .menu{display:flex}.menu>li>a,.menu>li>button{width:100%;justify-content:space-between;min-height:48px}.dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;width:auto;max-width:none;padding:0 0 .4rem .6rem;background:transparent}.dd::before{display:none}.menu>li.open>.dd{display:block}.menu>li:hover>.dd{visibility:visible}.nav-gap{display:none}.nav-apply{margin-left:auto}.hero-text{padding-top:calc(68px + 1.6rem)}}@media (max-width:520px){.logo span{font-size:.72rem;letter-spacing:.1em}.nav-apply{padding:0 1rem}}@media (max-width:440px){.nav-apply{display:none}.burger{margin-left:auto}}