/* inner page components shared by both themes */
.page-hero .lede{color:var(--hl-blue-fog);max-width:52ch;margin:24px 0 0}
.page-hero .actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:36px}
.page-hero .meta{display:flex;gap:12px;align-items:center;color:var(--hl-blue-fog);font-size:15px;margin-top:22px}
.page-hero .meta i{font-style:normal;width:4px;height:4px;border-radius:50%;background:var(--hl-cobalt-light);display:inline-block}
.prose{max-width:72ch;font-size:18px;line-height:1.6}
.prose h2{font-size:clamp(28px,2.6vw,36px);line-height:1.12;margin:48px 0 16px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:24px;line-height:1.2;margin:32px 0 10px}
.prose p{margin:0 0 18px}
.prose ul,.prose ol{margin:0 0 20px;padding-left:22px}
.prose li{margin:6px 0}
.prose li::marker{color:var(--hl-cobalt)}
.prose a{color:var(--hl-cobalt);border-bottom:1.5px solid rgba(37,99,255,.3)}
.prose strong{font-weight:600}
.prose .lead{font-size:clamp(20px,1.8vw,24px);line-height:1.45;color:var(--hl-ink);font-family:var(--hl-font-display);margin-bottom:28px}
.split-2{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px;align-items:start}
.split-2 .side{position:sticky;top:120px}
.split-2 .side h2{font-size:clamp(30px,3vw,40px);line-height:1.08}
.split-2 .side p{color:var(--hl-slate);margin:14px 0 0;max-width:32ch}
@media (max-width:900px){.split-2{grid-template-columns:1fr;gap:28px}.split-2 .side{position:static}}
.side-card{background:#fff;border-radius:var(--hl-radius-xl);padding:32px;box-shadow:var(--shadow-card);border:1px solid rgba(30,41,59,.06);display:grid;gap:14px}
.side-card h3{font-size:26px;line-height:1.12}
.side-card p{margin:0;color:var(--hl-slate);font-size:16px}
.side-card .btn{justify-self:start}
.side-card .fine{font-size:13.5px;color:var(--hl-slate);line-height:1.45}
.side-card.navy{background:var(--hl-navy);color:#fff;border:0}
.side-card.navy h3{color:#fff}.side-card.navy p{color:var(--hl-blue-fog)}
.band{border-radius:var(--hl-radius-xl);padding:72px 56px;text-align:center}
.band h2{max-width:16ch;margin:0 auto 16px}
.band p{max-width:48ch;margin:0 auto 32px}
.band.navy p{color:var(--hl-blue-fog)}
.band.has-foot{position:relative;padding-bottom:96px}
.band p.band-foot{position:absolute;left:24px;right:24px;bottom:28px;max-width:none;margin:0;font-size:13.5px;line-height:1.45;color:var(--hl-blue-fog);opacity:.8}
@media (max-width:720px){.band{padding:48px 24px}}
/* feature list */
.features{list-style:none;margin:0;padding:0;display:grid}
.features li{position:relative;padding:18px 0 18px 30px;border-top:1px solid rgba(30,41,59,.1);font-size:18px}
.features li:last-child{border-bottom:1px solid rgba(30,41,59,.1)}
.features li::before{content:"";position:absolute;left:4px;top:1.55em;width:8px;height:8px;border-radius:50%;background:var(--hl-cobalt)}
/* loan options */
.loan-group{padding:64px 0 0}
.loan-group:first-child{padding-top:0}
.loan-group h2{font-size:clamp(30px,3vw,40px);line-height:1.08;margin-bottom:8px}
.loan-group .intro{color:var(--hl-slate);margin:0 0 32px;max-width:56ch}
.loan-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.loan-card{background:#fff;border-radius:var(--hl-radius-lg);padding:28px;border:1px solid rgba(30,41,59,.06);box-shadow:var(--shadow-card);color:var(--hl-ink);display:grid;gap:10px;align-content:start;transition:border-color .3s,box-shadow .3s}
.loan-card:hover{border-color:rgba(37,99,255,.35);box-shadow:0 24px 48px -20px rgba(37,99,255,.25)}
.loan-card h3{font-size:24px;line-height:1.15;transition:color .25s}
.loan-card:hover h3{color:var(--hl-cobalt)}
.loan-card p{margin:0;color:var(--hl-slate);font-size:16px}
@media (max-width:900px){.loan-cards{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.loan-cards{grid-template-columns:1fr}}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:900px){.related{grid-template-columns:1fr}}
/* contact */
.contact{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.details{display:grid;gap:0}
.details div{padding:22px 0;border-top:1px solid rgba(30,41,59,.1)}
.details div:last-child{border-bottom:1px solid rgba(30,41,59,.1)}
.details h3{font-size:16px;font-family:var(--hl-font-sans);font-weight:600;color:var(--hl-slate);margin-bottom:6px}
.details p{margin:0;font-size:20px}
.details a{color:var(--hl-ink)}
.form{background:#fff;border-radius:var(--hl-radius-xl);padding:36px;box-shadow:var(--shadow-card);border:1px solid rgba(30,41,59,.06);display:grid;gap:16px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form textarea{min-height:140px;border:1px solid rgba(30,41,59,.14);border-radius:10px;padding:14px;font:400 16px/1.5 var(--hl-font-sans);color:var(--hl-ink);background:var(--hl-off-white);outline:none;resize:vertical;transition:border-color .2s,box-shadow .2s}
.form textarea:focus{border-color:var(--hl-cobalt);background:#fff;box-shadow:0 0 0 4px var(--hl-blue-fog)}
.form .btn{justify-self:start}
.form .fine{font-size:13.5px;color:var(--hl-slate);margin:0;line-height:1.45}
@media (max-width:900px){.contact{grid-template-columns:1fr}.form{padding:24px}.form .row{grid-template-columns:1fr}}
/* pre-qualify stepper */
.stepper{background:#fff;border-radius:var(--hl-radius-xl);box-shadow:var(--shadow-float);border:1px solid rgba(30,41,59,.06);overflow:hidden;max-width:760px;margin:0 auto}
.stepper .head{display:flex;justify-content:space-between;align-items:center;padding:22px 32px;background:var(--hl-navy);color:#fff}
.stepper .head span{font-size:14px;color:var(--hl-blue-fog)}
.stepper .bar{height:4px;background:rgba(255,255,255,.15)}
.stepper .bar i{display:block;height:100%;background:var(--hl-cobalt-light);width:0;transition:width .5s var(--ease)}
.stepper .body{padding:36px 32px 32px;min-height:340px;display:grid;align-content:start;gap:22px}
.stepper .q{font:400 clamp(26px,2.6vw,34px)/1.12 var(--hl-font-display);color:var(--hl-ink)}
.stepper .hint{color:var(--hl-slate);font-size:16px;margin:-10px 0 0}
.opts{display:flex;flex-wrap:wrap;gap:10px}
.opt{height:50px;padding:0 20px;border-radius:999px;border:1px solid rgba(30,41,59,.16);background:var(--hl-off-white);font:500 16px var(--hl-font-sans);color:var(--hl-ink);cursor:pointer;transition:background-color .2s,border-color .2s,color .2s}
.opt:hover{border-color:var(--hl-cobalt)}
.opt.on{background:var(--hl-navy);border-color:var(--hl-navy);color:#fff}
.stepper .foot{display:flex;justify-content:space-between;align-items:center;padding:0 32px 32px;gap:16px}
.stepper .fine{padding:0 32px 28px;margin:0;font-size:13.5px;color:var(--hl-slate);line-height:1.45}
.stepper .fields{display:grid;gap:14px}
.stepper .fields .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.stepper .done{display:grid;gap:14px;text-align:center;padding:24px 0}
.stepper .done h3{font-size:34px;line-height:1.1}
.stepper .done p{color:var(--hl-slate);margin:0}
@media (max-width:640px){.stepper .body,.stepper .head{padding-left:20px;padding-right:20px}.stepper .foot{padding:0 20px 24px}.stepper .fine{padding:0 20px 20px}.stepper .fields .row{grid-template-columns:1fr}}
/* blog */
.cat-nav{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:48px}
.cat-nav a{display:inline-flex;align-items:center;height:42px;padding:0 18px;border-radius:999px;border:1px solid rgba(30,41,59,.14);background:#fff;color:var(--hl-ink);font:500 15px var(--hl-font-sans);transition:background-color .2s,border-color .2s,color .2s}
.cat-nav a:hover{border-color:var(--hl-cobalt)}
.cat-nav a.on{background:var(--hl-navy);border-color:var(--hl-navy);color:#fff}
.featured{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;margin-bottom:72px;color:var(--hl-ink)}
.featured .photo{aspect-ratio:3/2;border-radius:var(--hl-radius-xl)}
.featured h2{font-size:clamp(30px,3.2vw,44px);line-height:1.08;margin:12px 0 16px;transition:color .25s}
.featured:hover h2{color:var(--hl-cobalt)}
.featured p{margin:0;color:var(--hl-slate)}
@media (max-width:900px){.featured{grid-template-columns:1fr;gap:24px}}
.post-wrap{display:grid;grid-template-columns:1fr 340px;gap:72px;align-items:start}
.post-wrap aside{position:sticky;top:120px}
@media (max-width:960px){.post-wrap{grid-template-columns:1fr;gap:40px}.post-wrap aside{position:static}}
.consent{max-width:820px;margin:0 auto;display:grid;gap:24px}
.consent .box{background:#fff;border-radius:var(--hl-radius-xl);padding:36px;box-shadow:var(--shadow-card);border:1px solid rgba(30,41,59,.06);display:grid;gap:18px}
.consent .box h2{font-size:28px;line-height:1.12}
.consent .box p{margin:0;color:var(--hl-slate);font-size:16px;line-height:1.55}
.check{display:flex;gap:12px;align-items:flex-start;font-size:16px}
.check input{width:20px;height:20px;margin-top:3px;accent-color:var(--hl-cobalt);flex:none}
@media (max-width:640px){.consent .box{padding:24px}}
/* stepper v2: phases, sliding questions */
.stepper .phases{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;padding:18px 32px 0}
.stepper .phases span{font:500 13px/1.3 var(--hl-font-sans);color:var(--hl-slate);padding-top:10px;border-top:2px solid rgba(30,41,59,.1);transition:color .3s,border-color .3s}
.stepper .phases span.done{border-color:var(--hl-cobalt);color:var(--hl-ink)}
.stepper .phases span.on{border-color:var(--hl-navy);color:var(--hl-navy)}
.stepper .head{background:#fff;color:var(--hl-ink);border-bottom:0;padding:22px 32px 0}
.stepper .head span{color:var(--hl-slate)}
.stepper .bar{height:6px;background:var(--hl-cloud);margin:14px 32px 0;border-radius:999px;overflow:hidden}
.stepper .bar i{background:var(--hl-cobalt);border-radius:999px;transition:width .7s cubic-bezier(.65,0,.15,1)}
.stepper .body{position:relative;min-height:380px;padding:40px 32px 24px;overflow:hidden;display:block}
.stepper .slide{display:grid;gap:22px;align-content:start;transition:opacity .42s cubic-bezier(.2,.65,.2,1),transform .42s cubic-bezier(.2,.65,.2,1)}
.stepper .slide.enter{opacity:0;transform:translateX(48px)}
.stepper .slide.enter.from-left{transform:translateX(-48px)}
.stepper .slide.leave{position:absolute;left:32px;right:32px;top:40px;opacity:0;transform:translateX(-48px);pointer-events:none}
.stepper .slide.leave.to-right{transform:translateX(48px)}
.stepper .slide .opt{opacity:0;transform:translateY(8px);animation:optIn .5s cubic-bezier(.2,.65,.2,1) forwards;animation-delay:inherit}
@keyframes optIn{to{opacity:1;transform:none}}
.stepper .big-input input{height:64px;font-size:22px;padding:0 18px;border-width:0 0 2px;border-radius:0;background:transparent;border-color:rgba(30,41,59,.2)}
.stepper .big-input input:focus{box-shadow:none;border-color:var(--hl-cobalt);background:transparent}
.stepper .big-input{position:relative}
.stepper .enter{position:absolute;right:4px;bottom:22px;font-size:12px;color:var(--hl-slate);letter-spacing:.02em}
.stepper .shake{animation:shake .4s}
@keyframes shake{0%,100%{transform:translateX(0)}25%{transform:translateX(-6px)}75%{transform:translateX(6px)}}
.stepper input.bad{border-color:#cf2e2e}
.stepper .ghost{opacity:.45}
.stepper .done .tick{display:block;width:64px;height:64px;border-radius:50%;background:var(--hl-blue-fog);margin:0 auto 8px;position:relative}
.stepper .done .tick::after{content:"";position:absolute;left:50%;top:50%;width:14px;height:14px;border-radius:50%;background:var(--hl-cobalt);transform:translate(-50%,-50%)}
@media (max-width:640px){.stepper .phases{padding:14px 20px 0;grid-template-columns:repeat(4,1fr)}.stepper .phases span{font-size:11px}.stepper .head{padding:18px 20px 0}.stepper .bar{margin:12px 20px 0}.stepper .body{padding:28px 20px 16px;min-height:340px}.stepper .slide.leave{left:20px;right:20px;top:28px}}
@media (prefers-reduced-motion:reduce){.stepper .slide,.stepper .bar i{transition:none}.stepper .slide .opt{animation:none;opacity:1;transform:none}}
/* pre-qualify layout */
.pq{display:grid;grid-template-columns:.85fr 1.15fr;gap:40px;align-items:start}
.pq .stepper{max-width:none;margin:0}
.pq-side{position:sticky;top:110px;display:grid;gap:20px}
.pq-photo{position:relative;border-radius:var(--hl-radius-xl);overflow:hidden;aspect-ratio:4/5;background:var(--hl-navy);color:#fff;display:flex;align-items:flex-end}
.pq-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.pq-cap{position:relative;padding:32px 28px;background:linear-gradient(180deg,rgba(14,27,46,0),rgba(14,27,46,.9));width:100%}
.pq-cap h2{font-size:26px;line-height:1.12;color:#fff;margin-bottom:16px}
.pq-cap ol{list-style:none;margin:0;padding:0;display:grid;gap:10px;font-size:15px;color:var(--hl-blue-fog)}
.pq-cap li{display:flex;gap:12px;align-items:baseline}
.pq-cap b{font:400 20px var(--hl-font-display);color:var(--hl-cobalt-light);min-width:1em}
.pq-trust{list-style:none;margin:0;padding:4px 6px 0;display:grid;gap:12px}
.pq-trust li{display:flex;gap:12px;align-items:center;font-size:16px;font-weight:500}
.pq-trust .ico{color:var(--hl-cobalt);width:24px;height:24px}
@media (max-width:960px){.pq{grid-template-columns:1fr}.pq-side{position:static}.pq-photo{aspect-ratio:16/10}}
/* open stepper: questions on the page, no card */
.stepper.open{background:transparent;border:0;box-shadow:none;border-radius:0;overflow:visible;max-width:none}
.stepper.open .head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;padding:6px 0 0;background:transparent}
.stepper.open .phases{display:flex;gap:22px;padding:0}
.stepper.open .phases span{border:0;padding:0;font-size:14px;color:rgba(100,116,139,.7)}
.stepper.open .phases span.done{color:var(--hl-cobalt)}
.stepper.open .phases span.on{color:var(--hl-navy);font-weight:600}
.stepper.open .count{display:flex;gap:10px;align-items:baseline;font-size:14px;color:var(--hl-slate)}
.stepper.open .count b{font:600 14px var(--hl-font-sans);color:var(--hl-ink)}
.stepper.open .bar{margin:14px 0 0;height:2px;background:rgba(30,41,59,.12);border-radius:0}
.stepper.open .bar i{background:var(--hl-cobalt);border-radius:0}
.stepper.open .body{padding:56px 0 24px;min-height:420px}
.stepper.open .slide.leave{left:0;right:0;top:56px}
.stepper.open .q{font-size:clamp(32px,3.6vw,48px);line-height:1.06;letter-spacing:-.5px;max-width:16ch}
.stepper.open .hint{font-size:17px;margin-top:-6px;max-width:48ch}
.stepper.open .opt{height:58px;padding:0 24px;font-size:17px;background:#fff;border-color:rgba(30,41,59,.14);box-shadow:0 1px 2px rgba(14,27,46,.04)}
.stepper.open .opt:hover{border-color:var(--hl-cobalt);box-shadow:0 8px 20px -12px rgba(37,99,255,.4)}
.stepper.open .opt.on{background:var(--hl-navy);border-color:var(--hl-navy);color:#fff}
.stepper.open .big-input input{height:72px;font-size:28px;font-family:var(--hl-font-display)}
.stepper.open .fields .field input{background:#fff}
.stepper.open .foot{padding:8px 0 0;border-top:1px solid rgba(30,41,59,.1);padding-top:24px}
.stepper.open .fine{padding:18px 0 0}
.stepper.open .done{text-align:left;padding:8px 0}
.stepper.open .done .tick{margin:0 0 12px}
@media (max-width:960px){.stepper.open .head{flex-direction:column;align-items:flex-start;gap:10px}.stepper.open .phases{gap:14px;flex-wrap:wrap}.stepper.open .body{padding:36px 0 16px;min-height:360px}.stepper.open .slide.leave{top:36px}}
/* immersive pre-qualify stage */
.pq-stage{position:relative;min-height:100svh;display:flex;align-items:center;padding:132px 0 72px;overflow:hidden;isolation:isolate;color:#fff;background:var(--hl-navy)}
.pq-bg{position:absolute;inset:0;z-index:-2}
.pq-bg img{width:100%;height:100%;object-fit:cover;object-position:70% 50%}
.pq-scrim{position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(14,27,46,.92) 0%,rgba(14,27,46,.78) 50%,rgba(14,27,46,.45) 100%),linear-gradient(180deg,rgba(14,27,46,.5),rgba(14,27,46,.1) 35%,rgba(14,27,46,.6) 100%)}
.stepper.immersive{background:transparent;border:0;box-shadow:none;border-radius:0;overflow:visible;max-width:none;width:100%}
.stepper.immersive .wrap{max-width:1040px}
.stepper.immersive .head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;padding:0;background:transparent}
.stepper.immersive .phases{display:flex;gap:24px;padding:0}
.stepper.immersive .phases span{border:0;padding:0;font-size:14px;color:rgba(219,234,254,.55);transition:color .3s}
.stepper.immersive .phases span.done{color:var(--hl-cobalt-light)}
.stepper.immersive .phases span.on{color:#fff;font-weight:600}
.stepper.immersive .count{display:flex;gap:10px;align-items:baseline;font-size:14px;color:rgba(219,234,254,.7)}
.stepper.immersive .count b{font:600 14px var(--hl-font-sans);color:#fff}
.stepper.immersive .bar{margin:16px 0 0;height:2px;background:rgba(255,255,255,.18);border-radius:0}
.stepper.immersive .bar i{background:var(--hl-cobalt-light);border-radius:0}
.stepper.immersive .body{padding:72px 0 32px;min-height:400px;position:relative;overflow:hidden}
.stepper.immersive .slide.leave{left:0;right:0;top:72px}
.stepper.immersive .q{font-size:clamp(36px,4.6vw,64px);line-height:1.02;letter-spacing:-1px;max-width:18ch;color:#fff}
.stepper.immersive .hint{font-size:18px;color:var(--hl-blue-fog);margin-top:-4px;max-width:52ch}
.stepper.immersive .opt{height:58px;padding:0 24px;font-size:17px;background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.3);color:#fff;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}
.stepper.immersive .opt:hover{border-color:#fff;background:rgba(255,255,255,.14)}
.stepper.immersive .opt.on{background:#fff;border-color:#fff;color:var(--hl-navy)}
.stepper.immersive .big-input input{height:76px;font-size:30px;font-family:var(--hl-font-display);color:#fff;border-color:rgba(255,255,255,.4);background:transparent}
.stepper.immersive .big-input input::placeholder{color:rgba(219,234,254,.5)}
.stepper.immersive .big-input input:focus{border-color:#fff;background:transparent;box-shadow:none}
.stepper.immersive .enter{color:rgba(219,234,254,.6)}
.stepper.immersive .fields .field label{color:var(--hl-blue-fog)}
.stepper.immersive .fields .field input{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.3);color:#fff}
.stepper.immersive .fields .field input:focus{border-color:#fff;background:rgba(255,255,255,.14);box-shadow:none}
.stepper.immersive .foot{padding:24px 0 0;border-top:1px solid rgba(255,255,255,.15)}
.stepper.immersive .fine{padding:18px 0 0;color:rgba(219,234,254,.65)}
.stepper.immersive .done{text-align:left;padding:8px 0}
.stepper.immersive .done h3{color:#fff}
.stepper.immersive .done p{color:var(--hl-blue-fog);max-width:52ch}
.stepper.immersive .done .tick{margin:0 0 12px;background:rgba(255,255,255,.12)}
.stepper.immersive .done .tick::after{background:var(--hl-cobalt-light)}
.stepper.immersive .ghost{opacity:.5}
@media (max-width:720px){.pq-stage{padding:110px 0 48px;align-items:flex-start}.stepper.immersive .head{flex-direction:column;align-items:flex-start;gap:10px}.stepper.immersive .phases{gap:14px;flex-wrap:wrap}.stepper.immersive .body{padding:44px 0 20px;min-height:360px}.stepper.immersive .slide.leave{top:44px}}
/* quiz v3: flat navy, boat-style progress, fade-up panels */
.quiz{background:var(--hl-navy);color:#fff;padding:96px 0 112px;position:relative;isolation:isolate}
.quiz .col{max-width:700px;margin:0 auto;padding:0 var(--gutter)}
.qprog{position:relative;height:3px;margin-bottom:40px;background:rgba(255,255,255,.14);border-radius:999px;overflow:hidden}
.qprog .qfill{position:absolute;left:0;top:0;bottom:0;background:var(--hl-cobalt-light);border-radius:999px;transition:width 1200ms cubic-bezier(.4,0,.2,1)}
.qpanel{opacity:0;transform:translateY(8px)}
.qpanel.in{animation:qenter .5s ease-in-out forwards}
@keyframes qenter{to{opacity:1;transform:none}}
.qpanel:not(.in){opacity:1;transform:none}
.qt{font:300 clamp(28px,3vw,38px)/1.15 var(--hl-font-display);color:#fff;margin:0 0 10px;outline:none}
.qt em{font-style:italic;color:var(--hl-cobalt-light)}
.qh{margin:0 0 28px;color:rgba(219,234,254,.78);font-size:15.5px;line-height:1.6;max-width:56ch}
.qmeta{margin:-16px 0 28px;color:rgba(219,234,254,.55);font-size:13px}
.qopts{display:grid;gap:12px;grid-template-columns:1fr}
.qopts.two{grid-template-columns:1fr 1fr}
.qopt{text-align:left;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.05);color:rgba(255,255,255,.9);padding:17px 16px;border-radius:var(--hl-radius-md);font:500 14.5px/1.35 var(--hl-font-sans);cursor:pointer;transition:border-color .2s,background-color .2s,color .2s}
.qopt:hover{border-color:var(--hl-cobalt-light);background:rgba(255,255,255,.1);color:#fff}
.qopt.on{border-color:var(--hl-cobalt-light);background:rgba(127,163,255,.18);color:#fff}
.qform{display:grid;gap:12px}
.qrow{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.qin{height:56px;width:100%;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.06);color:#fff;border-radius:var(--hl-radius-md);padding:0 16px;font:400 16px var(--hl-font-sans);outline:none;transition:border-color .2s,background-color .2s}
.qin::placeholder{color:rgba(219,234,254,.55)}
.qin:focus{border-color:var(--hl-cobalt-light);background:rgba(255,255,255,.1)}
.qin.bad{border-color:#ff8a8a}
.qerr{margin:0;color:#ff8a8a;font-size:14px}
.qbtn{height:54px;width:100%;border:0;border-radius:var(--hl-radius-md);background:var(--hl-cobalt);color:#fff;font:600 15px/1 var(--hl-font-sans);cursor:pointer;transition:background-color .2s;text-align:center;display:flex;align-items:center;justify-content:center;text-decoration:none}
.qbtn:hover{background:#1f56e6}
.qfine{margin:4px 0 0;font-size:12.5px;line-height:1.55;color:rgba(219,234,254,.6);text-align:center}
.qfine a{color:rgba(219,234,254,.85);text-decoration:underline}
.qnav{margin-top:24px}
.qback{background:none;border:0;padding:0;color:rgba(219,234,254,.6);font:500 14px/1 var(--hl-font-sans);cursor:pointer;transition:color .2s}
.qback:hover{color:#fff}
@media (max-width:640px){.quiz{padding:96px 0 80px}.qopts.two{grid-template-columns:1fr}.qrow{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){.qprog .qfill{transition:none}.qpanel.in{animation:none;opacity:1;transform:none}}
/* about v2 */
.about-statement .big-serif{font:400 clamp(30px,3.6vw,48px)/1.12 var(--hl-font-display);letter-spacing:-.5px;margin:0 0 56px;max-width:22ch}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.stats div{padding-top:20px;border-top:1px solid rgba(30,41,59,.14)}
.stats b{display:block;font:400 26px/1.15 var(--hl-font-display);margin-bottom:8px}
.stats span{color:var(--hl-slate);font-size:16px}
@media (max-width:760px){.stats{grid-template-columns:1fr;gap:20px}}
.leader{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px;align-items:center}
.leader-photo{aspect-ratio:4/5;max-height:600px}
@media (max-width:900px){.leader{grid-template-columns:1fr;gap:32px}.leader-photo{aspect-ratio:4/3}}
.four-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.four-card{padding:28px 0 0;border-top:1px solid rgba(30,41,59,.14)}
.four-card .n{font:300 56px/1 var(--hl-font-display);color:var(--hl-cobalt);display:block;margin-bottom:20px}
.four-card h3{font-size:24px;line-height:1.15;margin-bottom:8px}
.four-card p{margin:0;color:var(--hl-slate);font-size:16px}
@media (max-width:900px){.four-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.four-grid{grid-template-columns:1fr}}
.family{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.fam-card{border-radius:var(--hl-radius-xl);padding:36px 32px;min-height:260px;display:grid;align-content:end;gap:8px;border:1px solid rgba(30,41,59,.06)}
.fam-mark{font:400 24px/1 var(--hl-font-display);margin-bottom:auto;display:block;color:#fff}
.fam-mark em{font-style:italic;color:var(--hl-cobalt-light)}
.fam-card h3{font-size:24px;line-height:1.15}
.fam-card p{margin:0;font-size:16px;color:var(--hl-slate)}
.fam-card.navy p{color:var(--hl-blue-fog)}
.fam-card.callout p{color:rgba(14,27,46,.75)}
@media (max-width:860px){.family{grid-template-columns:1fr}.fam-card{min-height:0;padding:28px 24px}.fam-mark{margin-bottom:20px}}
/* loan options v2 */
.jump{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:72px}
.jump a{display:inline-flex;align-items:center;height:42px;padding:0 18px;border-radius:999px;border:1px solid rgba(30,41,59,.14);background:#fff;color:var(--hl-ink);font:500 15px var(--hl-font-sans);transition:border-color .2s,background-color .2s,color .2s}
.jump a:hover{border-color:var(--hl-cobalt);color:var(--hl-cobalt)}
.lgroup{padding:0 0 96px;scroll-margin-top:110px}
.lgroup:last-of-type{padding-bottom:0}
.lgroup-head{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center;margin-bottom:40px}
.lgroup-head.flip .lgroup-photo{order:2}
.lgroup-photo{aspect-ratio:16/10}
.lgroup-head p{color:var(--hl-slate);margin:14px 0 28px;max-width:48ch;font-size:18px}
.lrows{display:grid;grid-template-columns:1fr 1fr;gap:0 48px}
.lrow{display:grid;gap:4px;padding:20px 0;border-top:1px solid rgba(30,41,59,.12);color:var(--hl-ink);transition:color .2s}
.lrow:hover .name{color:var(--hl-cobalt)}
.lrow .name{font:400 24px/1.15 var(--hl-font-display);transition:color .2s}
.lrow .desc{color:var(--hl-slate);font-size:15px}
@media (max-width:860px){.lgroup-head{grid-template-columns:1fr;gap:24px}.lgroup-head.flip .lgroup-photo{order:0}.lrows{grid-template-columns:1fr}.lgroup{padding-bottom:64px}}
/* App Store style shelves */
.shelves{padding:96px 0 0}
.shelf{padding:0 0 88px}
.shelf-head{display:flex;justify-content:space-between;align-items:flex-end;gap:32px;margin-bottom:28px}
.shelf-head p{margin:10px 0 0;color:var(--hl-slate);max-width:52ch}
.shelf-head .link{white-space:nowrap}
.shelf-scroll{overflow-x:auto;overflow-y:hidden;scroll-snap-type:x mandatory;scroll-padding-left:max(var(--gutter),calc((100vw - var(--wrap)) / 2 + var(--gutter)));scrollbar-width:none;-webkit-overflow-scrolling:touch;padding:8px 0 24px}
.shelf-scroll::-webkit-scrollbar{display:none}
.shelf-track{display:flex;gap:20px;padding:0 max(var(--gutter),calc((100vw - var(--wrap)) / 2 + var(--gutter)));width:max-content}
.shelf-card{flex:0 0 300px;scroll-snap-align:start;display:grid;gap:10px;align-content:start;color:var(--hl-ink);padding:0}
.shelf-img{aspect-ratio:1/1;border-radius:20px;overflow:hidden;background:var(--hl-navy);box-shadow:var(--shadow-card);transition:box-shadow .3s,transform .4s var(--ease)}
.shelf-img img{width:100%;height:100%;object-fit:cover;display:block}
.shelf-card:hover .shelf-img{box-shadow:0 24px 48px -20px rgba(14,27,46,.35);transform:translateY(-4px)}
.shelf-card h3{font-size:23px;line-height:1.15;margin-top:6px;transition:color .25s}
.shelf-card:hover h3{color:var(--hl-cobalt)}
.shelf-card p{margin:0;color:var(--hl-slate);font-size:15px;line-height:1.5}
@media (max-width:720px){.shelf-card{flex-basis:240px}.shelf-track{gap:14px}.shelves{padding-top:72px}.shelf{padding-bottom:64px}}
/* loan detail v2 */
.glance{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.glance-card{background:#fff;border-radius:var(--hl-radius-xl);padding:32px;border:1px solid rgba(30,41,59,.06);box-shadow:var(--shadow-card)}
.glance-card .k{display:block;font:400 22px/1.1 var(--hl-font-display);color:var(--hl-cobalt);margin-bottom:14px}
.glance-card p{margin:0;font-size:17px;line-height:1.55}
@media (max-width:860px){.glance{grid-template-columns:1fr}}
.steps-list{display:grid}
.step-row{display:grid;grid-template-columns:72px 1fr;gap:24px;padding:28px 0;border-top:1px solid rgba(30,41,59,.12)}
.step-row:last-child{border-bottom:1px solid rgba(30,41,59,.12)}
.step-row .n{font:300 40px/1 var(--hl-font-display);color:var(--hl-cobalt);letter-spacing:-.03em}
.step-row h3{font-size:24px;line-height:1.15;margin-bottom:8px}
.step-row p{margin:0;color:var(--hl-slate);font-size:16px}
.fit{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:center}
.fit-photo{aspect-ratio:1/1;max-height:560px}
@media (max-width:900px){.fit{grid-template-columns:1fr;gap:32px}.fit-photo{aspect-ratio:4/3}}



/* goal picture cards */
.qcards{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.qcard{text-align:left;border:1px solid rgba(14,27,46,.1);background:#fff;border-radius:var(--hl-radius-lg);padding:22px 22px 24px;display:grid;gap:6px;cursor:pointer;color:var(--hl-navy);transition:border-color .2s,box-shadow .25s,transform .3s var(--ease)}
.qcard:hover{border-color:var(--hl-cobalt);box-shadow:0 16px 36px -18px rgba(37,99,255,.35);transform:translateY(-2px)}
.qcard.on{border-color:var(--hl-cobalt);box-shadow:0 0 0 3px rgba(37,99,255,.18)}
.qcard-img{display:block;aspect-ratio:4/3;border-radius:12px;background:var(--hl-blue-fog);overflow:hidden;margin-bottom:12px;display:flex;align-items:center;justify-content:center}
.qcard-img img{width:86%;height:86%;object-fit:contain}
.qcard-t{font:400 24px/1.15 var(--hl-font-display)}
.qcard-d{font:400 14.5px/1.45 var(--hl-font-sans);color:var(--hl-slate)}
.quiz:not(.in-card) .qcard{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.2);color:#fff}
.quiz:not(.in-card) .qcard-d{color:rgba(219,234,254,.7)}
.quiz:not(.in-card) .qcard-img{background:rgba(255,255,255,.08)}
@media (max-width:560px){.qcards{grid-template-columns:1fr}}

/* loan detail v3: richer glance cards */
.glance-card{padding:24px 28px 32px}
.gviz{background:var(--hl-blue-fog);border-radius:18px;padding:18px 20px;margin-bottom:22px;display:flex;flex-direction:column;justify-content:space-between;gap:10px;height:184px}
.gviz-cap{font-size:12.5px;font-weight:500;letter-spacing:.01em;color:var(--hl-navy);opacity:.7}
.gbar{display:flex;gap:4px;height:40px}
.gbar i{position:relative;display:flex;align-items:flex-end;border-radius:8px;font-style:normal;min-width:0}
.gbar i.a{background:var(--hl-navy)}
.gbar i.b{background:var(--hl-cobalt)}
.gbar i.c{background:transparent;border:1.5px dashed rgba(14,27,46,.35)}
.glegend{display:flex;flex-wrap:wrap;gap:6px 14px}
.glegend span{display:flex;align-items:center;gap:6px;font:500 12px/1 var(--hl-font-sans);color:var(--hl-navy)}
.glegend i{width:10px;height:10px;border-radius:3px;display:inline-block}
.glegend i.a{background:var(--hl-navy)}.glegend i.b{background:var(--hl-cobalt)}.glegend i.c{border:1.5px dashed rgba(14,27,46,.4)}
.gbrace{position:relative;height:22px;margin-top:auto;display:flex;justify-content:center;align-items:flex-start}
.gbrace::before{content:"";position:absolute;left:0;right:0;top:12px;height:10px;border:1.5px solid var(--hl-navy);border-bottom:0;border-radius:6px 6px 0 0}
.gbrace span{position:relative;background:var(--hl-blue-fog);padding:0 8px;font:500 11.5px/1 var(--hl-font-sans);color:var(--hl-navy)}
.gchips{display:grid;gap:7px}
.gchips span{display:flex;align-items:center;gap:10px;background:#fff;border-radius:10px;padding:7px 12px;font-size:12.5px;line-height:1.25;color:var(--hl-navy);font-weight:500}
.gchips svg,.fit-tile svg{width:18px;height:18px;flex:none;fill:none;stroke:var(--hl-cobalt);stroke-width:1.75;stroke-linecap:round;stroke-linejoin:round}
.glance-card .k{font-size:24px}
/* how it works: photo path */
.path{display:grid}
.path-row{display:grid;grid-template-columns:112px 1fr;gap:28px;align-items:center;padding:24px 0;border-top:1px solid rgba(30,41,59,.12)}
.path-row:last-child{border-bottom:1px solid rgba(30,41,59,.12)}
.path-pic{width:112px;aspect-ratio:1/1;border-radius:18px;overflow:hidden;background:var(--hl-blue-fog)}
.path-pic img{width:100%;height:100%;object-fit:cover;display:block}
.path-row h3{font-size:24px;line-height:1.15;margin-bottom:6px}
.path-row p{margin:0;color:var(--hl-slate);font-size:16px}
@media (max-width:640px){.path-row{grid-template-columns:80px 1fr;gap:18px}.path-pic{width:80px}}
/* who it fits: tiles */
.fit-tiles{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fit-tile{background:#fff;border:1px solid rgba(30,41,59,.08);border-radius:20px;padding:22px 22px 24px;box-shadow:var(--shadow-card)}
.fit-tile .num{display:block;font:300 34px/1 var(--hl-font-display);color:var(--hl-cobalt);letter-spacing:-.02em;margin-bottom:14px}
.fit-tile h3{font-size:21px;line-height:1.15;margin:0 0 6px}
.fit-tile p{margin:0;color:var(--hl-slate);font-size:15px;line-height:1.5}
@media (max-width:560px){.fit-tiles{grid-template-columns:1fr}}
/* glance visuals: stat, split, timeline, note */
.gnote{font-size:12px;color:var(--hl-slate);margin-top:auto}
.gstat{display:grid;gap:8px;align-content:center;flex:1}
.gstat b{font:400 26px/1.1 var(--hl-font-display);color:var(--hl-navy);letter-spacing:-.01em}
.gstat span{font-size:13px;line-height:1.4;color:var(--hl-navy);opacity:.75}
.gsplit{display:grid;grid-template-columns:1fr 1fr;gap:8px;flex:1}
.gsplit div{background:#fff;border-radius:12px;padding:12px 12px 14px;display:grid;gap:6px;align-content:start}
.gsplit b{font:500 13.5px/1.2 var(--hl-font-sans);color:var(--hl-navy)}
.gsplit span{font-size:12px;line-height:1.35;color:var(--hl-slate)}
.gtl{display:grid;gap:10px;margin:auto 0}
.gtl-line{position:relative;display:flex;justify-content:space-between;align-items:center;height:14px}
.gtl-line::before{content:"";position:absolute;left:6px;right:6px;top:6px;height:2px;background:var(--hl-navy);opacity:.35}
.gtl-line i{position:relative;width:14px;height:14px;border-radius:50%;background:var(--hl-cobalt);border:3px solid var(--hl-blue-fog);box-sizing:border-box}
.gtl-line i:first-child{background:var(--hl-navy)}
.gtl-labels{display:flex;justify-content:space-between;gap:8px}
.gtl-labels span{font:500 11.5px/1.2 var(--hl-font-sans);color:var(--hl-navy);flex:1;text-align:center}
.gtl-labels span:first-child{text-align:left}.gtl-labels span:last-child{text-align:right}
@media (max-width:480px){.band .btn{white-space:normal;height:auto;min-height:48px;padding-block:12px;line-height:1.25;text-align:center}}
[data-cat][hidden]{display:none}
.more-wrap{display:flex;justify-content:center;margin-top:48px}
.more-wrap [hidden]{display:none}