section,[id]{scroll-margin-top:104px}
/* Shared shell for the six loan-product pages */
*{box-sizing:border-box}
body{margin:0;font-family:var(--font-body);color:var(--text-body);background:var(--white);font-size:var(--text-base);line-height:var(--leading-body)}
a{color:var(--slate);text-decoration:none;transition:color .2s ease-out}
a:hover{color:var(--navy)}
h1,h2,h3,h4{font-family:var(--font-display);color:var(--navy);font-weight:600;margin:0;line-height:var(--leading-heading);text-wrap:balance}
p{margin:0;text-wrap:pretty}
.wrap{max-width:1160px;margin:0 auto;padding:0 48px}
.narrow{max-width:820px}
.eyebrow{font-size:11px;font-weight:600;letter-spacing:var(--tracking-widest);text-transform:uppercase;color:var(--taupe);display:flex;align-items:center;gap:12px}
.eyebrow.rule::before{content:"";width:40px;height:1px;background:var(--taupe)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:16px 34px;border-radius:var(--radius-sm);border:none;cursor:pointer;font-family:var(--font-body);transition:color var(--duration-fast,150ms) var(--ease-out,ease-out),background-color var(--duration-fast,150ms) var(--ease-out,ease-out),border-color var(--duration-fast,150ms) var(--ease-out,ease-out),transform 160ms var(--ease-out,ease-out)}
.btn:active{transform:scale(0.97)}
.btn-navy{background:var(--navy);color:var(--white)}
.btn-navy:hover{background:var(--navy-hover);color:var(--white)}
.btn-white{background:var(--white);color:var(--navy)}
.btn-white:hover{background:var(--gray-light);color:var(--navy)}
.btn-ghost{color:var(--navy);border:1px solid var(--gray-300);background:transparent}
.btn-ghost:hover{border-color:var(--navy)}
.btn-outline-light{color:var(--white);border:1px solid rgba(255,255,255,.4);background:transparent}
.btn-outline-light:hover{background:rgba(255,255,255,.1);color:var(--white)}
/* nav (solid navy) */
nav.top{position:sticky;top:0;z-index:60;display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 48px;background:var(--navy)}
nav.top .lockup{display:flex;align-items:center;gap:12px}
nav.top .lockup img{height:36px;display:block}
nav.top .lockup .vr{width:1px;height:30px;background:rgba(255,255,255,.32)}
nav.top .lockup .n{font-family:var(--font-display);font-size:18px;font-weight:600;color:var(--white);line-height:1;display:block;white-space:nowrap}
nav.top .lockup .s{font-size:8px;font-weight:600;letter-spacing:.26em;text-transform:uppercase;color:var(--taupe);display:block;margin-top:3px;white-space:nowrap}
nav.top .links{display:flex;align-items:center;gap:28px}
nav.top a.nl{font-size:11px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.72);white-space:nowrap}
nav.top a.nl:hover{color:var(--white)}
nav.top .navcta{font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;padding:12px 22px;border-radius:var(--radius-sm);background:var(--white);color:var(--navy);cursor:pointer;border:none;font-family:var(--font-body);transition:color var(--duration-fast,150ms) var(--ease-out,ease-out),background-color var(--duration-fast,150ms) var(--ease-out,ease-out),transform 160ms var(--ease-out,ease-out);white-space:nowrap}
nav.top .navcta:hover{background:var(--gray-light)}
/* breadcrumb + hero */
.crumbs{background:var(--navy);padding:16px 0 0}
.crumbs ol{list-style:none;display:flex;gap:10px;margin:0;padding:0;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.45)}
.crumbs a{color:rgba(255,255,255,.6)}
.crumbs a:hover{color:var(--white)}
.hero{position:relative;background:var(--navy);color:var(--white);overflow:hidden;padding:64px 0 96px}
.hero img.bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.26}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(13,27,42,.95) 40%,rgba(13,27,42,.72))}
.hero .inner{position:relative;z-index:2;display:flex;flex-direction:column;gap:24px}
.hero h1{color:var(--white);font-size:clamp(38px,4.6vw,64px);line-height:1.08;max-width:20ch}
.hero h1 em{font-style:italic;color:var(--taupe)}
.hero p.lede{font-size:17.5px;line-height:1.8;color:rgba(255,255,255,.78);max-width:60ch}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:6px}
.quickfacts{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid rgba(255,255,255,.16);margin-top:46px}
.quickfacts div{padding:26px 28px 0 0}
.quickfacts strong{font-family:var(--font-display);font-size:26px;color:var(--white);font-weight:600;display:block;line-height:1.2}
.quickfacts span{font-size:11px;font-weight:600;letter-spacing:var(--tracking-wide);text-transform:uppercase;color:var(--taupe);display:block;margin-top:9px}
/* sections */
section.band{padding:96px 0}
section.band.gray{background:var(--gray-light);border-top:1px solid var(--border-default);border-bottom:1px solid var(--border-default)}
.sechead{display:flex;flex-direction:column;gap:13px;margin-bottom:36px;max-width:46ch}
.sechead h2{font-size:clamp(28px,3.2vw,40px)}
.prose{display:flex;flex-direction:column;gap:20px;max-width:74ch}
.prose p{font-size:16.5px;line-height:1.85}
.prose h3{font-size:24px;margin-top:14px}
.prose ul{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:12px}
.prose ul li{font-size:16px;line-height:1.75;padding-left:26px;position:relative;color:var(--text-muted)}
.prose ul li::before{content:"";position:absolute;left:0;top:12px;width:13px;height:1px;background:var(--taupe)}
.prose ul li strong{color:var(--navy)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--border-default);border:1px solid var(--border-default)}
.cards>div{background:var(--white);padding:36px 34px;display:flex;flex-direction:column;gap:11px}
.cards h3{font-size:21px}
.cards p{font-size:14.5px;line-height:1.75;color:var(--text-muted)}
.cards .k{font-family:var(--font-display);font-size:15px;font-style:italic;color:var(--taupe)}
.snapwrap{width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
.snap{width:100%;border-collapse:collapse;background:var(--white);border:1px solid var(--border-default)}
.snap th,.snap td{text-align:left;padding:20px 26px;border-bottom:1px solid var(--border-default);font-size:15.5px;vertical-align:top}
.snap th{width:34%;font-family:var(--font-body);font-size:11px;font-weight:600;letter-spacing:var(--tracking-wide);text-transform:uppercase;color:var(--text-muted);background:var(--gray-light)}
.snap tr:last-child th,.snap tr:last-child td{border-bottom:none}
.snap td{color:var(--navy)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.steps>div{padding:32px 30px 34px;border-left:1px solid var(--border-default);display:flex;flex-direction:column;gap:11px}
.steps .n{font-family:var(--font-display);font-size:44px;color:var(--taupe);line-height:1}
.steps h3{font-size:18px}
.steps p{font-size:14px;line-height:1.7;color:var(--text-muted)}
.faq{border-top:1px solid var(--border-default);max-width:900px}
.faq details{border-bottom:1px solid var(--border-default)}
.faq summary{cursor:pointer;list-style:none;padding:26px 0;display:flex;justify-content:space-between;gap:24px;align-items:baseline;font-family:var(--font-display);font-size:21px;color:var(--navy);font-weight:600}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--font-body);font-size:22px;color:var(--taupe);line-height:1}
.faq details[open] summary::after{content:"\2013"}
.faq .a{padding:0 0 28px;max-width:72ch;display:flex;flex-direction:column;gap:14px}
.faq .a p{font-size:16px;line-height:1.8;color:var(--text-muted)}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.related a{background:var(--white);border:1px solid var(--border-default);border-radius:var(--radius-lg);padding:28px 30px;display:flex;flex-direction:column;gap:9px;box-shadow:var(--shadow-card);transition:transform var(--duration-fast,150ms) var(--ease-out,ease-out),box-shadow var(--duration-fast,150ms) var(--ease-out,ease-out),border-color var(--duration-fast,150ms) var(--ease-out,ease-out)}
.related a:hover{box-shadow:var(--shadow-raised)}
.related h3{font-size:19px}
.related p{font-size:14px;line-height:1.7;color:var(--text-muted)}
.circleband{background:var(--navy);color:var(--white);padding:92px 0}
.circleband h2{color:var(--white);font-size:clamp(28px,3.2vw,40px)}
.circleband p{color:rgba(255,255,255,.74);font-size:16.5px;line-height:1.85;max-width:64ch}
.cta{background:var(--taupe-tint);padding:96px 0;text-align:center}
.cta .in{display:flex;flex-direction:column;gap:19px;align-items:center}
.cta h2{font-size:clamp(30px,3.4vw,44px);max-width:26ch}
.disclaim{font-size:13px;line-height:1.7;color:var(--text-muted);max-width:70ch;margin-top:20px}
footer{background:var(--navy);color:rgba(255,255,255,.6);padding:64px 0 36px}
footer a{color:rgba(255,255,255,.62)}
footer a:hover{color:var(--white)}
@media (max-width:1100px){nav.top .links a.nl{display:none}.cards,.steps,.related{grid-template-columns:1fr 1fr}.quickfacts{grid-template-columns:1fr}}.cards,.steps,.related{grid-template-columns:1fr 1fr}.quickfacts{grid-template-columns:1fr 1fr}}
@media (max-width:900px){.wrap{padding:0 24px}nav.top{padding:12px 24px}.cards,.steps,.related,.quickfacts{grid-template-columns:1fr}.steps>div{border-left:none;border-top:1px solid var(--border-default);padding:28px 0}.hero{padding:48px 0 72px}.hero .actions .btn{flex:1 1 180px}.snap th,.snap td{padding:14px 16px}.snap th{width:40%;font-size:10px}.faq summary{font-size:18px;gap:16px}.crumbs ol{flex-wrap:wrap;row-gap:6px}}nav.top{padding:12px 24px}.cards,.steps,.related,.quickfacts{grid-template-columns:1fr}.steps>div{border-left:none;border-top:1px solid var(--border-default)}}