@import "tailwindcss";

:root {
  --ink: #142033;
  --muted: #617087;
  --soft: #f4f7fb;
  --line: #dfe6ef;
  --blue: #0f4c81;
  --blue-bright: #176bb0;
  --blue-dark: #092f52;
  --green: #18a66a;
  --amber: #f1a526;
  --white: #fff;
  --radius: 18px;
  --shadow: 0 18px 55px rgba(15, 49, 81, 0.11);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: #fff; color: var(--ink); font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; -webkit-font-smoothing: antialiased; }
a { color: inherit; text-decoration: none; }
button, input { font: inherit; }
.section-shell { width: min(1180px, calc(100% - 40px)); margin-inline: auto; }

.site-header { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.96); border-bottom: 1px solid rgba(223,230,239,.86); backdrop-filter: blur(14px); }
.header-inner { width: min(1240px, calc(100% - 32px)); min-height: 78px; margin: 0 auto; display: flex; align-items: center; gap: 34px; }
.brand { display: inline-flex; align-items: center; gap: 12px; min-width: max-content; }
.brand-mark { width: 42px; height: 42px; border-radius: 13px; position: relative; overflow: hidden; background: linear-gradient(145deg, var(--blue), #0a355d); box-shadow: 0 8px 20px rgba(15,76,129,.18); }
.brand-mark > span, .brand-mark > i { position: absolute; bottom: 10px; width: 6px; border-radius: 4px 4px 1px 1px; background: #fff; }
.brand-mark > span { left: 11px; height: 12px; box-shadow: 9px -7px 0 #fff, 18px -15px 0 #fff; }
.brand-mark > i { right: 7px; height: 3px; bottom: 8px; width: 28px; background: rgba(255,255,255,.35); }
.brand-copy { display: grid; gap: 2px; }
.brand-copy strong { font-size: 16px; letter-spacing: -.025em; }
.brand-copy small { color: var(--muted); font-size: 11px; }
.desktop-nav { display: flex; align-items: center; gap: 28px; margin-left: auto; font-size: 14px; font-weight: 650; color: #354258; }
.desktop-nav > a, .desktop-nav summary { cursor: pointer; padding: 28px 0; list-style: none; }
.desktop-nav summary::-webkit-details-marker { display: none; }
.desktop-nav summary::after { content: "⌄"; font-size: 11px; margin-left: 6px; color: #7e8aa0; }
.desktop-nav details { position: relative; }
.desktop-nav details[open] summary, .desktop-nav > a:hover { color: var(--blue); }
.nav-panel { position: absolute; top: calc(100% - 8px); left: 50%; transform: translateX(-50%); width: 250px; padding: 14px; border: 1px solid var(--line); border-radius: 16px; background: #fff; box-shadow: var(--shadow); display: grid; gap: 3px; }
.nav-panel p { margin: 2px 8px 7px; color: #8190a5; font-size: 10px; letter-spacing: .12em; text-transform: uppercase; font-weight: 800; }
.nav-panel a { padding: 9px 10px; border-radius: 9px; font-size: 13px; }
.nav-panel a:hover { background: var(--soft); color: var(--blue); }
.header-cta, .button { display: inline-flex; align-items: center; justify-content: center; gap: 10px; border: 0; border-radius: 11px; font-weight: 750; transition: .2s ease; }
.header-cta { margin-left: 4px; padding: 12px 18px; color: #fff; background: var(--blue); font-size: 13px; box-shadow: 0 8px 18px rgba(15,76,129,.18); }
.header-cta:hover, .button-primary:hover { background: var(--blue-bright); transform: translateY(-1px); }
.mobile-menu { display: none; margin-left: auto; }

.home-hero { min-height: 590px; display: grid; grid-template-columns: minmax(0, 1.02fr) minmax(420px, .82fr); align-items: center; gap: 78px; padding-block: 76px; }
.eyebrow, .page-type-kicker { margin: 0 0 16px; color: var(--blue-bright); font-size: 12px; font-weight: 850; text-transform: uppercase; letter-spacing: .14em; }
.hero-copy h1 { max-width: 680px; margin: 0; font-size: clamp(44px, 5vw, 68px); line-height: .99; letter-spacing: -.06em; }
.hero-lead { max-width: 620px; margin: 24px 0 28px; font-size: 20px; line-height: 1.58; color: #536277; }
.hero-actions { display: flex; align-items: center; gap: 24px; }
.button { padding: 14px 20px; font-size: 14px; }
.button-primary { color: #fff; background: var(--blue); box-shadow: 0 11px 24px rgba(15,76,129,.18); }
.button-light { color: var(--blue); background: #fff; border: 1px solid #cad6e4; }
.button-light:hover { border-color: var(--blue); }
.button-large { padding: 17px 24px; }
.text-link { color: var(--blue); font-size: 14px; font-weight: 750; }
.text-link:hover { text-decoration: underline; text-underline-offset: 4px; }
.trust-note { margin: 18px 0 0; color: #758399; font-size: 12px; }
.trust-note span { color: var(--green); font-weight: 900; }
.trust-note b { margin: 0 7px; color: #c5ced9; }

.comparison-panel { overflow: hidden; border: 1px solid #d8e2ed; border-radius: 22px; background: #fff; box-shadow: 0 26px 70px rgba(17,59,94,.15); transform: rotate(.35deg); }
.amount-block { display: flex; align-items: center; justify-content: space-between; padding: 23px 24px; background: linear-gradient(135deg, #0b3e6b, #0f578f); color: #fff; }
.amount-block div { display: grid; gap: 4px; }
.amount-block span { color: rgba(255,255,255,.7); font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .12em; }
.amount-block strong { font-size: 28px; letter-spacing: -.04em; }
.amount-block .usa-mark { display: grid; place-items: center; width: 44px; height: 44px; border: 1px solid rgba(255,255,255,.3); border-radius: 50%; color: #fff; letter-spacing: .05em; }
.route-list { padding: 10px 12px; }
.route-row { display: grid; grid-template-columns: 38px 1fr auto; align-items: center; gap: 12px; margin: 5px 0; padding: 14px 12px; border: 1px solid transparent; border-radius: 13px; }
.route-row-active { border-color: #bdd6e9; background: #f3f9fd; }
.route-icon { display: grid; place-items: center; width: 36px; height: 36px; border-radius: 10px; color: var(--blue); background: #e8f2fa; font-weight: 850; }
.route-row > span:nth-child(2) { display: grid; gap: 3px; }
.route-row strong { font-size: 13px; }
.route-row small { color: #7b899c; font-size: 11px; }
.route-row b { color: var(--green); font-size: 11px; }
.panel-cta { display: block; margin: 0 12px 12px; padding: 14px; border-radius: 11px; background: var(--blue); color: #fff; font-size: 13px; font-weight: 800; text-align: center; }

.trust-strip { min-height: 76px; display: flex; align-items: center; justify-content: center; gap: 70px; padding: 15px 24px; background: var(--blue-dark); color: rgba(255,255,255,.84); }
.trust-strip p { margin: 0; font-size: 13px; font-weight: 650; }
.trust-strip span { margin-right: 8px; color: #5edca6; }

.launcher-section { padding-block: 78px 94px; }
.funding-launcher { display: grid; grid-template-columns: 1.04fr .72fr; gap: 56px; padding: 50px; border: 1px solid var(--line); border-radius: 25px; background: linear-gradient(145deg, #fbfdff, #f3f7fb); box-shadow: 0 20px 65px rgba(20,49,78,.08); }
.launcher-copy h2 { max-width: 620px; margin: 0 0 14px; font-size: clamp(31px, 4vw, 46px); letter-spacing: -.045em; line-height: 1.08; }
.launcher-lead { max-width: 650px; margin: 0 0 27px; color: var(--muted); line-height: 1.65; }
.launcher-copy label { display: block; margin-bottom: 9px; font-size: 13px; font-weight: 800; }
.amount-input { display: grid; grid-template-columns: auto 1fr auto; align-items: center; height: 66px; border: 1px solid #cad6e4; border-radius: 13px; background: #fff; box-shadow: inset 0 1px 2px rgba(21,43,68,.04); }
.amount-input span { padding-left: 18px; color: var(--blue); font-size: 24px; font-weight: 800; }
.amount-input input { width: 100%; min-width: 0; border: 0; outline: 0; padding: 0 10px; background: transparent; color: var(--ink); font-size: 29px; font-weight: 800; }
.amount-input small { padding-right: 18px; color: #7c8a9e; font-weight: 800; }
.amount-range { width: 100%; margin: 20px 0 0; accent-color: var(--blue); }
.range-labels { display: flex; justify-content: space-between; margin-top: 4px; color: #8895a8; font-size: 11px; }
.quick-amounts { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; margin: 16px 0 20px; }
.quick-amounts button { padding: 9px; border: 1px solid #d4deea; border-radius: 9px; background: #fff; color: #536177; font-size: 12px; font-weight: 700; cursor: pointer; }
.quick-amounts button:hover, .quick-amounts button.active { border-color: var(--blue); background: #eaf3fa; color: var(--blue); }
.launcher-button { width: 100%; min-height: 52px; }
.launcher-assurances { display: flex; justify-content: center; flex-wrap: wrap; gap: 15px; margin-top: 16px; color: #6e7b8e; font-size: 10px; font-weight: 700; }
.launcher-assurances span::first-letter { color: var(--green); }
.payment-card { align-self: center; padding: 26px; border-radius: 18px; background: #fff; box-shadow: 0 16px 48px rgba(20,58,91,.12); border: 1px solid #dde6ef; }
.payment-card-head { display: flex; align-items: flex-start; justify-content: space-between; }
.payment-card-head > div { display: grid; gap: 5px; }
.payment-card-head span { color: #7c899b; font-size: 11px; font-weight: 750; }
.payment-card-head strong { font-size: 31px; letter-spacing: -.045em; }
.payment-card-head strong small { margin-left: 2px; color: #8390a3; font-size: 12px; }
.payment-card-head .estimate-chip { padding: 6px 8px; border-radius: 20px; color: #1b8359; background: #e7f8ef; text-transform: uppercase; letter-spacing: .08em; font-size: 9px; }
.payment-track { height: 7px; margin: 22px 0; overflow: hidden; border-radius: 8px; background: #e8edf3; }
.payment-track span { display: block; height: 100%; border-radius: inherit; background: linear-gradient(90deg, var(--blue), #37b582); transition: width .25s ease; }
.payment-card dl { margin: 0; }
.payment-card dl div { display: flex; justify-content: space-between; gap: 20px; padding: 11px 0; border-bottom: 1px solid #edf1f5; font-size: 12px; }
.payment-card dt { color: #748196; }
.payment-card dd { margin: 0; font-weight: 800; }
.payment-warning { display: grid; grid-template-columns: 24px 1fr; gap: 10px; align-items: start; margin-top: 17px; padding: 12px; border-radius: 10px; background: #fff8e9; }
.payment-warning span { display: grid; place-items: center; width: 22px; height: 22px; border-radius: 50%; background: #ffe1a6; color: #8a5a08; font-size: 11px; font-weight: 900; }
.payment-warning p { margin: 0; color: #765f38; font-size: 10px; line-height: 1.5; }

.content-section, .state-section { padding-block: 88px; }
.section-intro { max-width: 720px; margin: 0 auto 40px; text-align: center; }
.section-intro h2, .section-heading-row h2, .evidence-copy h2, .guide-band h2, .final-cta h2 { margin: 0; font-size: clamp(30px, 4vw, 45px); line-height: 1.08; letter-spacing: -.045em; }
.section-intro > p:last-child { margin: 16px auto 0; color: var(--muted); line-height: 1.65; }
.align-left { margin: 0; text-align: left; }
.product-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 15px; }
.product-card { position: relative; min-height: 265px; padding: 25px; overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; transition: .2s ease; }
.product-card::after { content: ""; position: absolute; right: -28px; top: -28px; width: 100px; height: 100px; border-radius: 50%; background: currentColor; opacity: .055; }
.product-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.product-card > span { display: block; min-height: 34px; color: #768398; font-size: 10px; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; }
.product-card h3 { margin: 18px 0 11px; font-size: 21px; letter-spacing: -.025em; }
.product-card p { margin: 0; color: var(--muted); font-size: 13px; line-height: 1.62; }
.product-card b { position: absolute; left: 25px; bottom: 24px; color: currentColor; font-size: 12px; }
.product-card i { font-style: normal; }
.product-blue { color: #0f5b95; }.product-green { color: #118158; }.product-amber { color: #a86d05; }.product-violet { color: #6447a7; }
.product-card h3, .product-card p, .product-card > span { color: var(--ink); }
.product-card > span { color: #7a879a; }

.lender-section { padding-block: 94px; background: #f3f7fb; border-block: 1px solid #e3eaf2; }
.section-heading-row { display: flex; align-items: end; justify-content: space-between; gap: 30px; margin-bottom: 38px; }
.section-heading-row .section-intro { max-width: 720px; }
.lender-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.lender-card { position: relative; padding: 23px; border: 1px solid #dce5ee; border-radius: 17px; background: #fff; box-shadow: 0 8px 20px rgba(19,51,80,.04); }
.lender-card-top { display: flex; align-items: center; justify-content: space-between; }
.lender-initial { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 12px; color: #fff; background: linear-gradient(145deg, var(--blue), #2c78ad); font-weight: 850; }
.status-chip, .editor-pick { padding: 6px 9px; border-radius: 20px; color: #16734f; background: #e5f7ee; font-size: 9px; font-weight: 850; text-transform: uppercase; letter-spacing: .07em; }
.card-kicker { min-height: 15px; margin: 20px 0 4px; color: var(--blue); font-size: 10px; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; }
.lender-card h3 { margin: 0 0 18px; font-size: 23px; letter-spacing: -.035em; }
.lender-specs p { display: flex; justify-content: space-between; gap: 13px; margin: 0; padding: 10px 0; border-top: 1px solid #edf1f5; font-size: 11px; }
.lender-specs span { color: #7c889a; }
.lender-specs strong { max-width: 60%; text-align: right; }
.lender-note { min-height: 58px; margin: 16px 0; color: var(--muted); font-size: 11px; line-height: 1.6; }
.lender-card > a { color: var(--blue); font-size: 12px; font-weight: 800; }
.editor-pick { position: absolute; top: -9px; left: 23px; color: #fff; background: var(--blue); }

.evidence-section { display: grid; grid-template-columns: 1fr .74fr; gap: 90px; align-items: center; padding-block: 98px; }
.evidence-copy p:not(.eyebrow) { color: var(--muted); line-height: 1.7; }
.evidence-copy a { display: inline-block; margin-top: 8px; color: var(--blue); font-size: 13px; font-weight: 800; }
.evidence-chart { padding: 30px; border: 1px solid var(--line); border-radius: 20px; background: var(--soft); }
.chart-bars { height: 250px; display: flex; align-items: end; justify-content: center; gap: 54px; padding-top: 20px; border-bottom: 1px solid #cad4df; }
.chart-bars div { height: 100%; width: 105px; display: flex; flex-direction: column; justify-content: end; align-items: center; }
.chart-bars div > span { width: 68px; min-height: 20px; border-radius: 9px 9px 0 0; background: linear-gradient(180deg, #3a86bc, var(--blue)); }
.chart-bars b { order: -1; margin-bottom: 8px; font-size: 20px; }
.chart-bars small { position: absolute; transform: translateY(29px); color: #6f7d90; font-size: 10px; }
.evidence-chart > p { margin: 42px 0 0; color: #6f7d90; text-align: center; font-size: 11px; }

.guide-band { padding-block: 85px; background: var(--blue-dark); color: #fff; }
.guide-band .eyebrow { color: #63d5a2; }
.guide-band-inner { display: grid; grid-template-columns: .65fr 1fr; gap: 80px; align-items: start; }
.guide-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; }
.guide-list a { position: relative; min-height: 100px; padding: 18px 45px 18px 18px; border: 1px solid rgba(255,255,255,.14); border-radius: 13px; background: rgba(255,255,255,.055); }
.guide-list a:hover { background: rgba(255,255,255,.1); }
.guide-list span { display: block; margin-bottom: 8px; color: #8fb3d1; font-size: 9px; text-transform: uppercase; letter-spacing: .1em; }
.guide-list strong { font-size: 13px; line-height: 1.35; }
.guide-list i { position: absolute; right: 17px; bottom: 17px; color: #62d7a3; font-style: normal; }

.state-pills { display: flex; flex-wrap: wrap; gap: 10px; }
.state-pills a { padding: 11px 15px; border: 1px solid var(--line); border-radius: 9px; background: #fff; color: #4f5d71; font-size: 12px; font-weight: 700; }
.state-pills a:hover { border-color: var(--blue); color: var(--blue); background: #f2f8fc; }
.final-cta { display: flex; align-items: center; justify-content: space-between; gap: 50px; margin-bottom: 92px; padding: 45px; border-radius: 23px; background: linear-gradient(135deg, #edf6fc, #f6faf7); border: 1px solid #dbe6ec; }
.final-cta > div { max-width: 730px; }
.final-cta p:last-child { margin-bottom: 0; color: var(--muted); line-height: 1.6; }

.site-footer { padding-top: 65px; background: #0b2138; color: #dce8f2; }
.footer-grid { display: grid; grid-template-columns: 1.6fr repeat(3, .72fr); gap: 55px; padding-bottom: 48px; }
.brand-footer .brand-copy strong { color: #fff; }
.brand-footer .brand-copy small { color: #8eabc3; }
.footer-brand > p { max-width: 390px; color: #9eb3c6; font-size: 12px; line-height: 1.7; }
.footer-brand .footer-update { color: #6ed7a5; font-weight: 700; }
.footer-grid > div:not(.footer-brand) { display: flex; flex-direction: column; gap: 10px; }
.footer-grid h2 { margin: 4px 0 8px; color: #fff; font-size: 12px; text-transform: uppercase; letter-spacing: .1em; }
.footer-grid > div:not(.footer-brand) a { color: #9fb4c7; font-size: 12px; }
.footer-grid a:hover { color: #fff; }
.footer-crosslinks { display: flex; align-items: center; gap: 22px; padding-block: 20px; border-top: 1px solid rgba(255,255,255,.1); color: #9fb4c7; font-size: 11px; }
.footer-crosslinks span { color: #6f8ba3; text-transform: uppercase; letter-spacing: .09em; }
.footer-legal { display: flex; justify-content: space-between; gap: 40px; padding-block: 24px 34px; border-top: 1px solid rgba(255,255,255,.1); color: #708ba3; font-size: 10px; line-height: 1.6; }
.footer-legal p:first-child { max-width: 830px; }

@media (max-width: 1020px) {
  .desktop-nav { display: none; }
  .header-cta { margin-left: auto; }
  .mobile-menu { display: block; position: relative; }
  .mobile-menu summary { width: 41px; height: 41px; display: grid; place-content: center; gap: 4px; border: 1px solid var(--line); border-radius: 10px; list-style: none; cursor: pointer; }
  .mobile-menu summary::-webkit-details-marker { display: none; }
  .mobile-menu summary span { width: 18px; height: 2px; background: var(--ink); }
  .mobile-menu nav { position: absolute; right: 0; top: 49px; width: 250px; display: grid; gap: 2px; padding: 12px; border: 1px solid var(--line); border-radius: 13px; background: #fff; box-shadow: var(--shadow); }
  .mobile-menu nav a { padding: 10px; border-radius: 8px; font-size: 13px; font-weight: 700; }
  .mobile-menu nav a:hover { background: var(--soft); }
  .home-hero { grid-template-columns: 1fr 420px; gap: 38px; }
  .product-grid { grid-template-columns: repeat(2, 1fr); }
  .lender-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 800px) {
  .section-shell { width: min(100% - 28px, 680px); }
  .header-inner { width: calc(100% - 24px); min-height: 68px; gap: 10px; }
  .brand-copy strong { font-size: 14px; }
  .brand-copy small { display: none; }
  .brand-mark { width: 37px; height: 37px; }
  .header-cta { display: none; }
  .home-hero { min-height: auto; grid-template-columns: 1fr; gap: 45px; padding-block: 55px; }
  .hero-copy h1 { font-size: clamp(42px, 13vw, 60px); }
  .hero-lead { font-size: 17px; }
  .comparison-panel { transform: none; }
  .trust-strip { justify-content: flex-start; gap: 18px; overflow-x: auto; }
  .trust-strip p { min-width: max-content; font-size: 11px; }
  .launcher-section, .content-section, .state-section, .lender-section, .evidence-section { padding-block: 62px; }
  .funding-launcher { grid-template-columns: 1fr; gap: 30px; padding: 25px; }
  .quick-amounts { grid-template-columns: repeat(2, 1fr); }
  .product-grid, .lender-grid, .guide-list { grid-template-columns: 1fr; }
  .section-heading-row { align-items: start; flex-direction: column; }
  .evidence-section { grid-template-columns: 1fr; gap: 38px; }
  .guide-band-inner { grid-template-columns: 1fr; gap: 35px; }
  .final-cta { align-items: flex-start; flex-direction: column; padding: 28px; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); gap: 34px; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-legal { flex-direction: column; gap: 10px; }
}

@media (max-width: 480px) {
  .hero-actions { align-items: flex-start; flex-direction: column; gap: 16px; }
  .route-row { grid-template-columns: 36px 1fr; }
  .route-row > b { display: none; }
  .product-grid { grid-template-columns: 1fr; }
  .product-card { min-height: 235px; }
  .funding-launcher { padding: 20px; }
  .payment-card { padding: 19px; }
  .launcher-assurances { justify-content: flex-start; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-crosslinks { align-items: flex-start; flex-direction: column; gap: 10px; }
}

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }

/* Inner pages */
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 7px; padding-block: 18px; color: #7e8b9d; font-size: 11px; }
.breadcrumbs span { display: flex; gap: 7px; }
.breadcrumbs a:hover { color: var(--blue); }
.breadcrumbs i { color: #b1bbc7; font-style: normal; }
.inner-hero { padding-block: 62px 68px; border-block: 1px solid #e5ebf1; background: linear-gradient(140deg, #f8fbfe, #f1f6fa); }
.inner-hero-grid { display: grid; grid-template-columns: minmax(0, 1fr) 260px; align-items: center; gap: 70px; }
.inner-hero h1 { max-width: 900px; margin: 0; font-size: clamp(41px, 6vw, 66px); line-height: 1.02; letter-spacing: -.055em; }
.inner-hero h1 + p { max-width: 820px; margin: 20px 0 0; color: #5e6d80; font-size: 18px; line-height: 1.65; }
.inner-hero .byline { margin-top: 19px; color: #8692a3; font-size: 10px; font-weight: 650; }
.inner-hero .byline b { margin: 0 6px; color: #c0c8d1; }
.inner-hero aside { padding: 21px; border: 1px solid #d8e3ec; border-radius: 16px; background: #fff; box-shadow: 0 12px 35px rgba(18,52,82,.08); }
.inner-hero aside span { display: block; color: #8290a3; font-size: 9px; font-weight: 800; text-transform: uppercase; letter-spacing: .11em; }
.inner-hero aside strong { display: block; margin: 9px 0; color: var(--blue); font-size: 18px; line-height: 1.25; }
.inner-hero aside small { color: #8490a1; line-height: 1.5; }

.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 285px; align-items: start; gap: 55px; padding-block: 58px 85px; }
.article-main { min-width: 0; color: #354258; font-size: 16px; line-height: 1.78; }
.article-main > h2, .article-section h2, .calculator-copy h2, .policy-page h2 { margin: 46px 0 13px; color: var(--ink); font-size: 30px; line-height: 1.2; letter-spacing: -.035em; }
.article-main > p { margin: 0 0 20px; }
.article-main .article-lead { margin: 0 0 30px; color: #405067; font-size: 20px; line-height: 1.7; }
.fact-panel { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; margin-bottom: 30px; overflow: hidden; border: 1px solid #dce5ed; border-radius: 15px; background: #dce5ed; }
.fact-panel div { min-height: 115px; padding: 18px; background: #fff; }
.fact-panel span, .guide-summary > span { display: block; margin-bottom: 8px; color: #8190a3; font-size: 9px; font-weight: 800; text-transform: uppercase; letter-spacing: .09em; }
.fact-panel strong { display: block; color: var(--ink); font-size: 15px; line-height: 1.4; }
.pros-cons { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 31px 0 44px; }
.pros-cons section { padding: 22px; border: 1px solid #dce6ed; border-radius: 14px; background: #f8fafc; }
.pros-cons section:first-child { background: #f3faf7; border-color: #d4e9df; }
.pros-cons h3 { margin: 0 0 13px; color: var(--ink); font-size: 16px; }
.pros-cons ul { margin: 0; padding: 0; list-style: none; }
.pros-cons li { position: relative; margin: 9px 0; padding-left: 20px; color: #59687b; font-size: 12px; line-height: 1.55; }
.pros-cons li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 900; }
.pros-cons section:last-child li::before { content: "!"; display: grid; place-items: center; top: 3px; width: 12px; height: 12px; border-radius: 50%; color: #99620b; background: #ffe7b8; font-size: 8px; }
.pros-cons.compact { margin-top: 24px; }
.detail-table { border-top: 1px solid var(--line); }
.detail-table p { display: grid; grid-template-columns: 180px 1fr; gap: 20px; margin: 0; padding: 14px 0; border-bottom: 1px solid var(--line); font-size: 13px; }
.detail-table span { color: #7e8b9c; }
.detail-table strong { color: var(--ink); }
.research-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; margin: 20px 0 42px; }
.research-grid section { padding: 18px; border: 1px solid var(--line); border-radius: 13px; background: #f8fafc; }
.research-grid section:nth-child(3n + 1) { background: #f2f8fc; }
.research-grid section:nth-child(3n + 2) { background: #f3faf7; }
.research-grid span { display: block; margin-bottom: 8px; color: #77879a; font-size: 9px; font-weight: 850; text-transform: uppercase; letter-spacing: .09em; }
.research-grid p { margin: 0; color: #4f5f73; font-size: 12px; line-height: 1.65; }
.source-note { margin-top: 34px !important; padding: 14px 16px; border-left: 3px solid var(--blue); background: #f2f7fb; color: #68768a; font-size: 11px; line-height: 1.55; }
.source-note a, .source-box a { color: var(--blue); font-weight: 750; }
.article-cta { display: flex; align-items: center; justify-content: space-between; gap: 28px; margin-top: 46px; padding: 25px; border: 1px solid #dbe6ed; border-radius: 16px; background: linear-gradient(135deg, #edf6fc, #f4faf7); }
.article-cta span { color: var(--blue); font-size: 9px; font-weight: 800; text-transform: uppercase; letter-spacing: .1em; }
.article-cta h3 { max-width: 540px; margin: 6px 0 0; color: var(--ink); font-size: 19px; line-height: 1.35; }
.article-sidebar { position: sticky; top: 104px; display: grid; gap: 13px; }
.sidebar-card { display: grid; gap: 9px; padding: 20px; border: 1px solid #dfe6ee; border-radius: 14px; background: #fff; box-shadow: 0 8px 24px rgba(15,48,77,.05); }
.sidebar-card > span { color: #8290a2; font-size: 9px; font-weight: 800; text-transform: uppercase; letter-spacing: .1em; }
.sidebar-card > strong { color: var(--ink); font-size: 15px; line-height: 1.4; }
.sidebar-card p { margin: 0; color: #687589; font-size: 11px; line-height: 1.6; }
.sidebar-card a { color: var(--blue); font-size: 11px; font-weight: 800; }
.related-block { padding-bottom: 90px; }
.related-block .section-heading-row { align-items: center; margin-bottom: 24px; }
.related-block h2, .adjacent-states h2 { margin: 0; font-size: 30px; letter-spacing: -.035em; }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.related-grid a { padding: 20px; border: 1px solid var(--line); border-radius: 14px; background: #fff; }
.related-grid a > span { color: #7e8c9d; font-size: 9px; text-transform: uppercase; letter-spacing: .09em; }
.related-grid h3 { margin: 10px 0 8px; font-size: 19px; }
.related-grid p { min-height: 38px; margin: 0 0 15px; color: #6e7b8d; font-size: 11px; }
.related-grid b { color: var(--blue); font-size: 11px; }
.archive-alert { margin-bottom: 30px; padding: 20px; border: 1px solid #f1d9aa; border-radius: 14px; background: #fff8e9; }
.archive-alert strong { color: #86580c; }
.archive-alert p { margin: 7px 0 0; color: #705f42; font-size: 13px; line-height: 1.6; }
.check-grid, .route-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 13px; margin: 25px 0 40px; }
.check-grid section, .route-cards section { padding: 20px; border: 1px solid var(--line); border-radius: 13px; background: #fbfcfe; }
.check-grid h3, .route-cards h3 { margin: 0 0 8px; color: var(--ink); font-size: 15px; }
.check-grid p, .route-cards p { margin: 0; color: #677487; font-size: 12px; line-height: 1.6; }
.guide-summary { padding: 23px; border-radius: 14px; background: var(--blue-dark); color: #fff; }
.guide-summary > span { color: #7ed9b0; }
.guide-summary > strong { display: block; font-size: 21px; line-height: 1.4; }
.guide-summary > small { display: block; margin-top: 10px; color: #9eb5c9; }
.article-section p { margin: 0; }
.comparison-table { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1px; margin: 22px 0 35px; overflow: hidden; border: 1px solid var(--line); border-radius: 13px; background: var(--line); }
.comparison-table div { min-height: 120px; padding: 16px; background: #fff; }
.comparison-table strong { display: block; color: var(--ink); font-size: 12px; }
.comparison-table span { display: block; margin-top: 8px; color: #778498; font-size: 10px; line-height: 1.5; }
.source-box { margin: 34px 0; padding: 21px; border: 1px solid #d8e6ed; border-radius: 14px; background: #f5f9fc; }
.source-box h3 { margin: 0 0 12px; color: var(--ink); font-size: 15px; }
.source-box p { display: flex; flex-wrap: wrap; gap: 12px 18px; margin: 0; }
.source-box a { font-size: 11px; }
.source-box small { display: block; margin-top: 13px; color: #7c899a; font-size: 10px; line-height: 1.5; }
.article-visual { margin: 28px 0 38px; overflow: hidden; border: 1px solid #dce6ed; border-radius: 18px; background: #f7fafc; }
.article-visual img { display: block; width: 100%; height: auto; aspect-ratio: 3 / 2; object-fit: cover; }
.article-visual figcaption { padding: 12px 16px; color: #758396; font-size: 10px; line-height: 1.5; }
.program-finder, .capital-finder { margin: 45px 0; padding: 25px; border: 1px solid #cadbe7; border-radius: 19px; background: linear-gradient(145deg, #eef6fb, #f7fbf8); color: var(--ink); }
.finder-heading { display: flex; align-items: end; justify-content: space-between; gap: 25px; margin-bottom: 22px; }
.finder-heading span { color: var(--green); font-size: 9px; font-weight: 850; text-transform: uppercase; letter-spacing: .1em; }
.finder-heading h2 { max-width: 580px; margin: 6px 0 0; font-size: 25px; line-height: 1.18; letter-spacing: -.035em; }
.finder-heading > p { max-width: 220px; margin: 0; color: #758396; font-size: 10px; line-height: 1.5; text-align: right; }
.finder-controls { display: grid; grid-template-columns: repeat(4, 1fr); gap: 9px; }
.finder-controls label { display: grid; gap: 7px; color: #667588; font-size: 9px; font-weight: 800; text-transform: uppercase; letter-spacing: .06em; }
.finder-controls select { width: 100%; min-width: 0; padding: 11px 30px 11px 10px; border: 1px solid #d4dfe8; border-radius: 9px; background: #fff; color: #2c3b50; font: inherit; font-size: 10px; font-weight: 700; text-transform: none; letter-spacing: 0; }
.program-results { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; margin-top: 17px; }
.program-results > section { display: flex; flex-direction: column; min-height: 310px; padding: 18px; border: 1px solid #dbe4eb; border-radius: 13px; background: #fff; }
.program-results > section > div:first-child { display: flex; align-items: center; justify-content: space-between; }
.program-results > section > div b { display: grid; place-items: center; width: 25px; height: 25px; border-radius: 7px; background: var(--blue); color: #fff; font-size: 10px; }
.program-results > section > div span { padding: 5px 8px; border-radius: 20px; background: #e7f6ee; color: #217454; font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .07em; }
.program-results h3 { margin: 14px 0 7px; font-size: 17px; line-height: 1.25; }
.program-results h3 + p { margin: 0; color: #607084; font-size: 11px; line-height: 1.55; }
.program-results dl { margin: 14px 0; }
.program-results dt { margin-top: 9px; color: #8994a3; font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .07em; }
.program-results dd { margin: 3px 0 0; color: #56667a; font-size: 10px; line-height: 1.5; }
.program-results a { margin-top: auto; color: var(--blue); font-size: 10px; font-weight: 850; }
.finder-caveat { margin: 17px 0 0 !important; padding: 13px 15px; border-radius: 10px; background: #fff8e9; color: #715f40; font-size: 10px; line-height: 1.55; }
.action-plan { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin: 22px 0 37px; }
.action-plan section { padding: 17px; border: 1px solid var(--line); border-radius: 12px; background: #f9fbfc; }
.action-plan b { color: var(--green); font-size: 9px; text-transform: uppercase; letter-spacing: .08em; }
.action-plan h3 { margin: 8px 0 6px; color: var(--ink); font-size: 14px; }
.action-plan p { margin: 0; color: #68768a; font-size: 10px; line-height: 1.55; }
.broker-review-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin: 24px 0 42px; }
.broker-review-grid > section { display: flex; flex-direction: column; padding: 20px; border: 1px solid var(--line); border-radius: 14px; background: #fff; box-shadow: 0 8px 24px rgba(15,48,77,.04); }
.broker-review-grid > section > div:first-child { display: flex; align-items: start; justify-content: space-between; gap: 12px; }
.broker-review-grid span { color: #8894a3; font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }
.broker-review-grid div > b { max-width: 170px; color: var(--blue); font-size: 9px; line-height: 1.4; text-align: right; }
.broker-review-grid h3 { margin: 18px 0 7px; font-size: 22px; }
.broker-review-grid h3 + p, .mini-pros p, .broker-verdict { color: #617084; font-size: 10px; line-height: 1.6; }
.mini-pros { margin: 10px 0; padding: 10px 12px; border-radius: 9px; background: #f5f8fa; }
.mini-pros p { margin: 4px 0; }
.broker-verdict { color: #3f4f63; }
.broker-review-grid footer { display: flex; justify-content: space-between; gap: 12px; margin-top: auto; padding-top: 13px; border-top: 1px solid #edf1f4; }
.broker-review-grid footer a { color: var(--blue); font-size: 9px; font-weight: 850; }
.broker-checklist { margin: 22px 0 38px; border-top: 1px solid var(--line); }
.broker-checklist p { display: grid; grid-template-columns: 34px 1fr; gap: 13px; margin: 0; padding: 15px 0; border-bottom: 1px solid var(--line); }
.broker-checklist p > b { display: grid; place-items: center; width: 28px; height: 28px; border-radius: 8px; background: #e9f3f9; color: var(--blue); font-size: 10px; }
.broker-checklist p span { color: #5e6e82; font-size: 12px; line-height: 1.55; }
.broker-checklist p strong { color: var(--ink); }
.capital-results { display: grid; gap: 9px; margin-top: 17px; }
.capital-results > section { display: grid; grid-template-columns: 35px 1fr; gap: 12px; align-items: center; padding: 14px; border: 1px solid #dce5eb; border-radius: 11px; background: #fff; }
.capital-results > section > span { display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: var(--blue); color: #fff; font-size: 10px; font-weight: 850; }
.capital-results h3 { margin: 0 0 3px; font-size: 14px; }
.capital-results p { margin: 0; color: #68778a; font-size: 10px; line-height: 1.5; }
.stage-table { margin: 22px 0 40px; border-top: 1px solid var(--line); }
.stage-table div { display: grid; grid-template-columns: 120px 1fr 1fr; gap: 15px; padding: 15px 0; border-bottom: 1px solid var(--line); }
.stage-table strong { color: var(--ink); font-size: 12px; }
.stage-table span, .stage-table b { color: #627185; font-size: 10px; line-height: 1.55; }
.stage-table b { color: #2d6d59; font-weight: 700; }
.funding-matrix { margin: 24px 0 42px; overflow: hidden; border: 1px solid #d9e3ea; border-radius: 15px; background: #fff; box-shadow: 0 10px 30px rgba(20,49,78,.05); }
.funding-matrix-head, .funding-matrix > a { display: grid; grid-template-columns: .72fr 1fr .92fr 1.18fr; gap: 14px; align-items: center; }
.funding-matrix-head { padding: 11px 16px; background: var(--blue-dark); color: #a9bfd1; font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }
.funding-matrix > a { padding: 16px; border-bottom: 1px solid #e7edf2; color: #58687b; font-size: 10px; line-height: 1.5; }
.funding-matrix > a:last-child { border-bottom: 0; }
.funding-matrix > a:hover { background: #f4f9fc; }
.funding-matrix > a strong { color: var(--blue); font-size: 12px; }
.market-pulse-section { padding-block: 32px 12px; }
.market-pulse { margin: 28px 0 40px; overflow: hidden; border: 1px solid #d3e0e9; border-radius: 18px; background: linear-gradient(150deg, #fff 0%, #f5f9fc 100%); box-shadow: 0 15px 40px rgba(17,48,75,.07); }
.market-pulse > header { display: flex; align-items: flex-end; justify-content: space-between; gap: 25px; padding: 24px 25px 20px; border-bottom: 1px solid #dfe7ed; }
.market-pulse > header > div:first-child > span { color: var(--green); font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .1em; }
.market-pulse h2 { margin: 7px 0 5px; color: var(--ink); font-size: clamp(23px, 3vw, 31px); letter-spacing: -.04em; }
.market-pulse header p { max-width: 650px; margin: 0; color: #6a788b; font-size: 10px; line-height: 1.55; }
.market-tabs { display: flex; flex-shrink: 0; gap: 3px; padding: 3px; border: 1px solid #d9e3ea; border-radius: 10px; background: #edf3f7; }
.market-tabs button { padding: 9px 12px; border: 0; border-radius: 7px; background: transparent; color: #637185; font: inherit; font-size: 9px; font-weight: 800; cursor: pointer; }
.market-tabs button.active { background: var(--blue-dark); color: #fff; box-shadow: 0 3px 10px rgba(15,48,77,.18); }
.market-stat-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: #dfe7ed; }
.market-stat-grid.australia { grid-template-columns: repeat(3, 1fr); }
.market-stat-grid > div { min-width: 0; padding: 22px 25px; background: rgba(255,255,255,.92); }
.market-stat-grid > div > span { display: block; color: #7d8998; font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }
.market-stat-grid > div > strong { display: block; margin: 8px 0 4px; color: var(--blue); font-size: 28px; line-height: 1; letter-spacing: -.04em; }
.market-stat-grid > div > strong.date-value { max-width: 210px; font-size: 18px; line-height: 1.15; }
.market-stat-grid > div > small { color: #8793a2; font-size: 8px; }
.live-rate-table { margin: 20px 24px 0; overflow: hidden; border: 1px solid #dbe4eb; border-radius: 12px; background: #fff; }
.live-rate-table > div { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 15px; align-items: center; padding: 12px 15px; border-bottom: 1px solid #e5ebef; color: #5b6a7e; font-size: 10px; }
.live-rate-table > div:first-child { padding-block: 9px; background: var(--blue-dark); color: #b9cad7; font-size: 8px; text-transform: uppercase; letter-spacing: .06em; }
.live-rate-table > div:last-child { border-bottom: 0; }
.live-rate-table b { color: var(--green); font-size: 12px; }
.market-note { margin: 14px 24px 20px !important; color: #6d7a8b; font-size: 9px !important; line-height: 1.6 !important; }
.market-note a { display: inline-block; margin-left: 8px; color: var(--blue); font-weight: 800; white-space: nowrap; }
.credit-survey-snapshot { margin: 20px 24px 0; overflow: hidden; border: 1px solid #dbe4eb; border-radius: 12px; background: #fff; }
.credit-survey-snapshot > header { display: flex; align-items: center; justify-content: space-between; gap: 15px; padding: 12px 15px; background: #edf6f2; }
.credit-survey-snapshot > header span, .credit-survey-snapshot > header small { color: #718477; font-size: 8px; text-transform: uppercase; letter-spacing: .07em; }
.credit-survey-snapshot > header strong { display: block; margin-top: 3px; color: var(--ink); font-size: 11px; }
.credit-survey-snapshot > div { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: #e3e9ed; }
.credit-survey-snapshot p { margin: 0; padding: 15px; background: #fff; }
.credit-survey-snapshot p strong, .credit-survey-snapshot p span { display: block; }
.credit-survey-snapshot p strong { color: var(--green); font-size: 20px; letter-spacing: -.03em; }
.credit-survey-snapshot p span { margin-top: 5px; color: #738093; font-size: 8px; line-height: 1.4; }
.market-pulse > footer { display: flex; align-items: center; justify-content: space-between; gap: 15px; padding: 12px 24px; border-top: 1px solid #dfe7ed; background: rgba(239,245,248,.78); }
.market-pulse > footer small { color: #8995a3; font-size: 8px; }
.data-status { display: flex; align-items: center; gap: 7px; color: #557065; font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .07em; }
.data-status::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: #2aa879; box-shadow: 0 0 0 3px rgba(42,168,121,.12); }
.data-status.loading::before { background: #d69b31; box-shadow: 0 0 0 3px rgba(214,155,49,.12); animation: data-pulse 1.2s infinite alternate; }
.data-status.partial::before, .data-status.fallback::before { background: #d69b31; box-shadow: 0 0 0 3px rgba(214,155,49,.12); }
@keyframes data-pulse { to { opacity: .35; } }
.route-cards section > span { display: grid; place-items: center; width: 29px; height: 29px; margin-bottom: 13px; border-radius: 8px; background: #e8f2fa; color: var(--blue); font-size: 10px; font-weight: 850; }
.adjacent-states { padding-bottom: 85px; }
.adjacent-states h2 { margin-bottom: 20px; }
.versus-grid { display: grid; grid-template-columns: 1fr 46px 1fr; align-items: stretch; gap: 12px; margin-bottom: 40px; }
.versus-grid > section { padding: 22px; border: 1px solid var(--line); border-radius: 15px; background: #f8fafc; }
.versus-grid > section > span { color: #8491a3; font-size: 9px; text-transform: uppercase; letter-spacing: .1em; }
.versus-grid h2 { margin: 9px 0 7px; color: var(--ink); font-size: 24px; }
.versus-grid strong { color: var(--blue); font-size: 11px; }
.versus-grid p { color: #677487; font-size: 12px; line-height: 1.6; }
.versus-grid > b { align-self: center; display: grid; place-items: center; width: 42px; height: 42px; border-radius: 50%; background: var(--blue); color: #fff; font-size: 11px; }

/* Hubs */
.hub-section { padding-block: 74px 95px; }
.hub-card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 15px; }
.hub-card { display: flex; flex-direction: column; min-height: 370px; padding: 22px; border: 1px solid var(--line); border-radius: 16px; background: #fff; }
.hub-card > div { display: flex; align-items: center; justify-content: space-between; }
.hub-card > div > b { padding: 6px 8px; border-radius: 20px; background: #e7f7ef; color: #16734f; font-size: 8px; text-transform: uppercase; letter-spacing: .08em; }
.hub-card h3 { margin: 20px 0 8px; font-size: 24px; letter-spacing: -.035em; }
.hub-card > p { min-height: 84px; margin: 0; color: #677487; font-size: 12px; line-height: 1.6; }
.hub-card dl { margin: 18px 0; padding-top: 12px; border-top: 1px solid #edf1f5; }
.hub-card dl dt { margin-top: 8px; color: #8894a5; font-size: 9px; text-transform: uppercase; letter-spacing: .08em; }
.hub-card dl dd { margin: 3px 0 0; color: var(--ink); font-size: 11px; font-weight: 750; }
.hub-card > strong { margin-top: auto; color: var(--blue); font-size: 11px; }
.archive-index { margin-top: 85px; padding-top: 70px; border-top: 1px solid var(--line); }
.archive-index > div:last-child { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.archive-index > div:last-child a { display: flex; align-items: center; justify-content: space-between; padding: 12px 14px; border: 1px solid var(--line); border-radius: 9px; color: #4e5c70; font-size: 11px; }
.archive-index a span { color: #8a96a6; font-size: 9px; }
.state-directory { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.state-directory a { display: grid; grid-template-columns: 45px 1fr auto; align-items: center; gap: 13px; padding: 17px; border: 1px solid var(--line); border-radius: 13px; background: #fff; }
.state-directory a > span { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 10px; background: #eaf3fa; color: var(--blue); font-size: 11px; font-weight: 850; }
.state-directory h2 { margin: 0; font-size: 16px; }
.state-directory p { margin: 3px 0 0; color: #8190a2; font-size: 9px; }
.state-directory b { color: var(--blue); }
.all-pages { padding-block: 75px 95px; }
.all-pages section { padding: 48px 0; border-bottom: 1px solid var(--line); }
.all-pages section:first-child { padding-top: 0; }
.all-pages section > h2 { margin: 0 0 23px; font-size: 31px; letter-spacing: -.035em; }
.all-pages section > div { display: grid; grid-template-columns: repeat(4, 1fr); gap: 9px; }
.all-pages section a { min-height: 85px; padding: 15px; border: 1px solid var(--line); border-radius: 10px; background: #fff; }
.all-pages section a span { display: block; margin-bottom: 7px; color: #8793a4; font-size: 8px; text-transform: uppercase; letter-spacing: .08em; }
.all-pages section a strong { color: #3e4c60; font-size: 11px; line-height: 1.4; }

/* Calculator, application and policies */
.calculator-page { padding-block: 65px 90px; }
.calculator-suite { overflow: hidden; border: 1px solid var(--line); border-radius: 19px; background: #f6f9fc; box-shadow: 0 14px 36px rgba(20,49,78,.06); }
.calculator-tabs { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1px; background: #dce5ec; }
.calculator-tabs button { min-width: 0; padding: 15px 12px; border: 0; background: #fff; color: #566579; text-align: left; cursor: pointer; }
.calculator-tabs button:hover, .calculator-tabs button.active { background: var(--blue-dark); color: #fff; }
.calculator-tabs strong, .calculator-tabs small { display: block; }
.calculator-tabs strong { font-size: 11px; }
.calculator-tabs small { margin-top: 4px; color: #8290a1; font-size: 8px; line-height: 1.35; }
.calculator-tabs button.active small { color: #9bb5ca; }
.calculator-wrap { display: grid; grid-template-columns: 1fr .8fr; gap: 24px; padding: 34px; border: 1px solid var(--line); border-radius: 19px; background: #f6f9fc; }
.calculator-suite .calculator-wrap { border: 0; border-radius: 0; }
.calculator-inputs { display: grid; gap: 24px; }
.calculator-inputs label { display: grid; grid-template-columns: 1fr auto; gap: 12px; color: #4f5e72; font-size: 12px; font-weight: 750; }
.calculator-inputs label span { color: var(--blue); font-size: 14px; }
.calculator-inputs input { grid-column: 1 / -1; width: 100%; accent-color: var(--blue); }
.calculator-results { display: flex; flex-direction: column; padding: 25px; border-radius: 15px; background: var(--blue-dark); color: #fff; }
.calculator-results > p { display: grid; gap: 8px; margin: 0; }
.calculator-results > p span { color: #9bb5ca; font-size: 10px; text-transform: uppercase; letter-spacing: .09em; }
.calculator-results > p strong { font-size: 39px; letter-spacing: -.045em; }
.calculator-results > div { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 20px 0; }
.calculator-results > div span { padding: 11px; border-radius: 9px; background: rgba(255,255,255,.07); color: #9eb7cb; font-size: 9px; }
.calculator-results > div b { display: block; margin-top: 4px; color: #fff; font-size: 13px; }
.calculator-results > small { margin-top: auto; color: #8fa9bf; line-height: 1.55; }
.calculator-copy { max-width: 820px; padding-top: 25px; color: #566477; line-height: 1.75; }
.calculator-downloads { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin: 20px 0 8px; }
.calculator-downloads a { display: grid; min-height: 138px; padding: 18px; border: 1px solid #dce5ed; border-radius: 13px; background: #fff; box-shadow: 0 7px 22px rgba(20,49,78,.04); }
.calculator-downloads a:hover { transform: translateY(-2px); border-color: #b7d1e3; }
.calculator-downloads span, .download-grid a > span, .download-inline span { color: var(--blue); font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .09em; }
.calculator-downloads strong { margin: 8px 0; color: var(--ink); font-size: 14px; line-height: 1.35; }
.calculator-downloads small { align-self: end; color: #7d8a9b; font-size: 9px; line-height: 1.45; }

/* Worked examples, contract structures and free downloads */
.worked-example { margin: 42px 0; overflow: hidden; border: 1px solid #d5e3eb; border-radius: 17px; background: linear-gradient(145deg, #f5f9fc, #f2faf6); box-shadow: 0 12px 34px rgba(20,49,78,.06); }
.worked-example-heading { padding: 24px 25px 19px; }
.worked-example-heading > span { color: var(--green); font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .1em; }
.worked-example-heading h2 { margin: 7px 0 8px; color: var(--ink); font-size: 25px; letter-spacing: -.035em; }
.worked-example-heading p { margin: 0; color: #536277; font-size: 13px; line-height: 1.65; }
.worked-example-figures { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: #dce6eb; }
.worked-example-figures p { min-width: 0; margin: 0; padding: 17px 20px; background: rgba(255,255,255,.94); }
.worked-example-figures span, .contract-panel span { display: block; color: #7d8b9c; font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }
.worked-example-figures strong { display: block; margin-top: 7px; color: var(--blue); font-size: 14px; line-height: 1.35; }
.worked-example-analysis { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: #dde8e4; }
.worked-example-analysis p { margin: 0; padding: 19px 22px; background: #f8fbf9; color: #506075; font-size: 11px; line-height: 1.65; }
.worked-example-analysis b { color: var(--ink); }
.worked-example > small { display: block; padding: 13px 22px; color: #8290a1; font-size: 8px; line-height: 1.5; }
.contract-explorer { margin: 0 0 40px; overflow: hidden; border: 1px solid #d9e4eb; border-radius: 17px; background: #f6f9fc; box-shadow: 0 12px 34px rgba(20,49,78,.06); }
.contract-explorer .finder-heading { padding: 23px; }
.contract-tabs { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: #dce5ec; }
.contract-tabs button { min-height: 52px; padding: 12px; border: 0; background: #fff; color: #5a687b; font-size: 9px; font-weight: 800; cursor: pointer; }
.contract-tabs button:hover, .contract-tabs button.active { background: var(--blue-dark); color: #fff; }
.contract-panel { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: #dce5ec; }
.contract-panel > div, .contract-panel > section { padding: 18px; background: #fff; }
.contract-panel strong { display: block; margin-top: 8px; color: var(--ink); font-size: 11px; line-height: 1.55; }
.contract-panel > section { grid-column: 1 / -1; background: #f4f9f6; }
.contract-panel ul { display: grid; grid-template-columns: repeat(2, 1fr); gap: 8px 20px; margin: 11px 0 0; padding: 0; list-style: none; }
.contract-panel li { position: relative; padding-left: 16px; color: #526176; font-size: 10px; line-height: 1.45; }
.contract-panel li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 900; }
.contract-matrix { margin: 24px 0 40px; overflow: hidden; border: 1px solid #dbe4eb; border-radius: 14px; background: #fff; }
.contract-matrix > div { display: grid; grid-template-columns: .72fr 1.12fr 1.05fr 1.25fr; gap: 14px; align-items: center; padding: 14px 16px; border-bottom: 1px solid #e6ecef; }
.contract-matrix > div:first-child { padding-block: 10px; background: var(--blue-dark); color: #b8cbd8; }
.contract-matrix > div:last-child { border-bottom: 0; }
.contract-matrix strong { font-size: 8px; text-transform: uppercase; letter-spacing: .07em; }
.contract-matrix span { color: #5b697b; font-size: 10px; line-height: 1.5; }
.download-inline { display: flex; align-items: center; justify-content: space-between; gap: 22px; margin: 35px 0; padding: 22px; border: 1px solid #d5e3eb; border-radius: 15px; background: linear-gradient(135deg, #edf6fc, #f4faf7); }
.download-inline strong { display: block; margin: 6px 0 4px; color: var(--ink); font-size: 16px; }
.download-inline p { margin: 0; color: #68768a; font-size: 10px; }
.download-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 13px; margin: 24px 0 42px; }
.download-grid a { position: relative; display: flex; min-height: 220px; flex-direction: column; padding: 22px; border: 1px solid #d9e4eb; border-radius: 15px; background: #fff; box-shadow: 0 9px 27px rgba(20,49,78,.05); }
.download-grid a:hover { transform: translateY(-2px); border-color: #a9cada; }
.download-grid a > b { position: absolute; top: 18px; right: 18px; padding: 6px 8px; border-radius: 7px; background: #e8f2f9; color: var(--blue); font-size: 8px; }
.download-grid h3 { margin: 18px 0 9px; color: var(--ink); font-size: 20px; line-height: 1.25; }
.download-grid p { margin: 0; color: #68768a; font-size: 11px; line-height: 1.6; }
.download-grid a > strong { margin-top: auto; padding-top: 18px; color: var(--blue); font-size: 10px; }

.bank-review-band { padding-block: 75px; }
.bank-review-band > div:last-child { display: grid; grid-template-columns: repeat(5, 1fr); gap: 10px; }
.bank-review-band > div:last-child > a { display: grid; grid-template-columns: 35px 1fr; gap: 10px; min-width: 0; padding: 16px; border: 1px solid var(--line); border-radius: 13px; background: #fff; }
.bank-review-band > div:last-child > a > span { grid-row: 1 / 3; display: grid; place-items: center; width: 34px; height: 34px; border-radius: 9px; background: var(--blue-dark); color: #fff; font-size: 12px; font-weight: 850; }
.bank-review-band a div { min-width: 0; }
.bank-review-band a strong, .bank-review-band a small { display: block; }
.bank-review-band a strong { overflow-wrap: anywhere; color: var(--ink); font-size: 11px; line-height: 1.35; }
.bank-review-band a small { margin-top: 5px; color: #7e8b9c; font-size: 8px; line-height: 1.4; }
.bank-review-band a > b { grid-column: 2; align-self: end; color: var(--blue); font-size: 9px; }
.apply-page { min-height: 760px; padding-block: 80px; background: linear-gradient(145deg, #f7fafc, #edf4f8); }
.apply-grid { display: grid; grid-template-columns: 1fr 390px; gap: 80px; align-items: center; }
.apply-copy h1 { margin: 0; font-size: clamp(43px, 6vw, 67px); line-height: 1.02; letter-spacing: -.055em; }
.apply-copy h1 + p { max-width: 680px; margin: 22px 0 30px; color: #5c6b7e; font-size: 18px; line-height: 1.6; }
.apply-checks { display: grid; gap: 10px; }
.apply-checks p { display: grid; grid-template-columns: 36px 1fr; gap: 4px 13px; margin: 0; padding: 14px; border: 1px solid #dce5ed; border-radius: 12px; background: rgba(255,255,255,.7); }
.apply-checks span { grid-row: 1 / 3; display: grid; place-items: center; width: 34px; height: 34px; border-radius: 9px; background: #e7f1f8; color: var(--blue); font-size: 11px; font-weight: 850; }
.apply-checks strong { font-size: 13px; }
.apply-checks small { color: #7b889a; line-height: 1.4; }
.handoff-card { display: grid; padding: 29px; border: 1px solid #d6e1eb; border-radius: 19px; background: #fff; box-shadow: var(--shadow); }
.handoff-card > span { color: #8190a3; font-size: 9px; font-weight: 850; text-transform: uppercase; letter-spacing: .1em; }
.handoff-card > strong { margin: 10px 0 18px; font-size: 34px; letter-spacing: -.04em; }
.handoff-card > p { color: #68768a; font-size: 12px; line-height: 1.6; }
.handoff-card .button { margin: 12px 0; }
.handoff-card > a:not(.button) { color: var(--blue); font-size: 11px; font-weight: 800; text-align: center; }
.handoff-card > small { margin-top: 20px; padding-top: 16px; border-top: 1px solid #edf1f5; color: #8c97a6; line-height: 1.5; }
.policy-page { max-width: 900px; padding-block: 60px 90px; }
.policy-page section { padding: 18px 0 27px; border-bottom: 1px solid var(--line); }
.policy-page section:first-child { padding-top: 0; }
.policy-page h2 { margin-top: 0; }
.policy-page p { color: #566477; font-size: 16px; line-height: 1.8; }
.policy-page .policy-date { margin-top: 35px; color: #8491a3; font-size: 11px; }
.not-found-page { min-height: 650px; display: grid; align-items: center; padding-block: 80px; background: linear-gradient(145deg, #f7fafc, #edf4f8); }
.not-found-page .section-shell { max-width: 760px; }
.not-found-page h1 { max-width: 720px; margin: 0; font-size: clamp(42px, 7vw, 72px); line-height: 1.01; letter-spacing: -.055em; }
.not-found-page h1 + p { max-width: 620px; margin: 22px 0 30px; color: #5d6b7e; font-size: 17px; line-height: 1.65; }
.not-found-page .button-row { display: flex; flex-wrap: wrap; gap: 10px; }

@media (max-width: 1020px) {
  .article-layout { grid-template-columns: minmax(0, 1fr) 240px; gap: 30px; }
  .hub-card-grid, .state-directory { grid-template-columns: repeat(2, 1fr); }
  .all-pages section > div { grid-template-columns: repeat(3, 1fr); }
  .bank-review-band > div:last-child { grid-template-columns: repeat(3, 1fr); }
  .calculator-tabs { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 800px) {
  .inner-hero-grid, .article-layout, .apply-grid { grid-template-columns: 1fr; }
  .inner-hero { padding-block: 46px; }
  .inner-hero aside { max-width: 320px; }
  .article-layout { padding-block: 45px 65px; }
  .article-sidebar { position: static; grid-template-columns: repeat(2, 1fr); }
  .fact-panel, .related-grid, .research-grid { grid-template-columns: 1fr; }
  .fact-panel div { min-height: auto; }
  .comparison-table { grid-template-columns: 1fr 1fr; }
  .hub-card-grid, .state-directory { grid-template-columns: 1fr; }
  .archive-index > div:last-child { grid-template-columns: repeat(2, 1fr); }
  .all-pages section > div { grid-template-columns: repeat(2, 1fr); }
  .calculator-wrap { grid-template-columns: 1fr; padding: 22px; }
  .calculator-downloads { grid-template-columns: 1fr; }
  .contract-tabs { grid-template-columns: repeat(2, 1fr); }
  .bank-review-band > div:last-child { grid-template-columns: repeat(2, 1fr); }
  .apply-page { padding-block: 50px; }
  .apply-grid { gap: 45px; }
  .handoff-card { max-width: 480px; }
  .finder-controls, .action-plan { grid-template-columns: repeat(2, 1fr); }
  .market-pulse > header { align-items: flex-start; flex-direction: column; }
  .credit-survey-snapshot > div { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 520px) {
  .inner-hero h1 { font-size: 40px; }
  .pros-cons, .check-grid, .route-cards, .versus-grid { grid-template-columns: 1fr; }
  .versus-grid > b { margin: -4px auto; }
  .detail-table p { grid-template-columns: 1fr; gap: 3px; }
  .article-cta { align-items: flex-start; flex-direction: column; }
  .article-sidebar { grid-template-columns: 1fr; }
  .comparison-table, .archive-index > div:last-child, .all-pages section > div { grid-template-columns: 1fr; }
  .calculator-results > div { grid-template-columns: 1fr; }
  .calculator-tabs { grid-template-columns: 1fr 1fr; }
  .calculator-tabs button:last-child { grid-column: 1 / -1; }
  .calculator-tabs button { padding: 13px 11px; }
  .calculator-downloads { gap: 9px; }
  .calculator-downloads a { min-height: 0; }
  .finder-heading { align-items: flex-start; flex-direction: column; }
  .finder-heading > p { text-align: left; }
  .finder-controls, .program-results, .action-plan, .broker-review-grid { grid-template-columns: 1fr; }
  .program-finder, .capital-finder { padding: 18px; }
  .stage-table div { grid-template-columns: 1fr; gap: 5px; }
  .article-main { font-size: 15px; }
  .fact-panel { gap: 9px; overflow: visible; border: 0; background: transparent; }
  .fact-panel div { min-height: 0; padding: 16px; border: 1px solid #dce5ed; border-left: 4px solid var(--blue); border-radius: 12px; background: linear-gradient(135deg, #fff, #f7fafc); box-shadow: 0 7px 20px rgba(20,49,78,.05); }
  .fact-panel div:nth-child(2) { border-left-color: var(--green); }
  .fact-panel div:nth-child(3) { border-left-color: #d79a2b; }
  .fact-panel span, .guide-summary > span { margin-bottom: 6px; font-size: 8px; }
  .fact-panel strong { font-size: 14px; }
  .detail-table { display: grid; gap: 9px; border: 0; }
  .detail-table p { gap: 5px; padding: 15px; border: 1px solid #dce5ed; border-radius: 11px; background: #f8fafc; }
  .detail-table span { font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }
  .detail-table strong { font-size: 12px; line-height: 1.5; }
  .comparison-table { counter-reset: comparison-card; gap: 9px; overflow: visible; border: 0; background: transparent; }
  .comparison-table div { counter-increment: comparison-card; position: relative; min-height: 0; padding: 15px 15px 15px 52px; border: 1px solid #dce5ed; border-radius: 11px; background: #fff; box-shadow: 0 6px 18px rgba(20,49,78,.04); }
  .comparison-table div::before { content: counter(comparison-card); position: absolute; top: 14px; left: 14px; display: grid; place-items: center; width: 25px; height: 25px; border-radius: 8px; background: #e8f2f9; color: var(--blue); font-size: 9px; font-weight: 850; }
  .comparison-table strong { font-size: 13px; }
  .comparison-table span { margin-top: 4px; font-size: 11px; }
  .research-grid { gap: 9px; }
  .research-grid section { padding: 16px; border-left: 3px solid var(--blue); }
  .research-grid section:nth-child(3n + 2) { border-left-color: var(--green); }
  .research-grid p { font-size: 11px; }
  .stage-table { display: grid; gap: 10px; border: 0; }
  .stage-table div { padding: 16px; border: 1px solid #dce5ed; border-radius: 12px; background: linear-gradient(145deg, #fff, #f5f9fc); box-shadow: 0 6px 18px rgba(20,49,78,.04); }
  .stage-table strong { color: var(--blue); font-size: 14px; }
  .stage-table span, .stage-table b { font-size: 11px; }
  .stage-table b { margin-top: 5px; padding-top: 8px; border-top: 1px solid #e5ecef; }
  .funding-matrix { display: grid; gap: 11px; overflow: visible; border: 0; background: transparent; box-shadow: none; }
  .funding-matrix-head { display: none; }
  .funding-matrix > a { display: grid; grid-template-columns: 1fr; gap: 7px; padding: 17px; border: 1px solid #d8e3ea; border-left: 4px solid var(--blue); border-radius: 13px; background: #fff; box-shadow: 0 8px 22px rgba(20,49,78,.05); }
  .funding-matrix > a strong { padding-bottom: 8px; border-bottom: 1px solid #e9eef2; font-size: 16px; }
  .funding-matrix > a span { display: grid; grid-template-columns: 82px 1fr; gap: 9px; align-items: start; }
  .funding-matrix > a span::before { content: attr(data-label); color: #8090a2; font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .07em; }
  .worked-example { margin-block: 34px; }
  .worked-example-heading { padding: 20px 18px 17px; }
  .worked-example-heading h2 { font-size: 22px; }
  .worked-example-figures, .worked-example-analysis { grid-template-columns: 1fr; gap: 8px; padding: 10px; background: transparent; }
  .worked-example-figures p, .worked-example-analysis p { padding: 14px; border: 1px solid #dce5e9; border-left: 4px solid var(--blue); border-radius: 10px; }
  .worked-example-analysis p { border-left-color: var(--green); }
  .worked-example > small { padding: 12px 17px 16px; }
  .contract-explorer .finder-heading { padding: 18px; }
  .contract-tabs { grid-template-columns: 1fr 1fr; }
  .contract-tabs button { min-height: 48px; }
  .contract-panel { grid-template-columns: 1fr; gap: 8px; padding: 10px; background: transparent; }
  .contract-panel > div, .contract-panel > section { padding: 15px; border: 1px solid #dae4ea; border-radius: 10px; }
  .contract-panel > section { grid-column: auto; }
  .contract-panel ul { grid-template-columns: 1fr; }
  .contract-matrix { display: grid; gap: 10px; overflow: visible; border: 0; background: transparent; }
  .contract-matrix > div:first-child { display: none; }
  .contract-matrix > div:not(:first-child) { display: grid; grid-template-columns: 1fr; gap: 8px; padding: 16px; border: 1px solid #d9e4ea; border-left: 4px solid var(--blue); border-radius: 12px; background: #fff; box-shadow: 0 7px 20px rgba(20,49,78,.05); }
  .contract-matrix span { display: grid; grid-template-columns: 105px 1fr; gap: 10px; align-items: start; }
  .contract-matrix span::before { content: attr(data-label); color: #8290a1; font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .06em; }
  .download-grid { grid-template-columns: 1fr; gap: 10px; }
  .download-grid a { min-height: 195px; }
  .download-inline { align-items: flex-start; flex-direction: column; }
  .bank-review-band { padding-block: 55px; }
  .bank-review-band > div:last-child { grid-template-columns: 1fr; }
  .program-results > section { min-height: 0; }
  .program-results dl { display: grid; gap: 5px; }
  .source-box { padding: 17px; }
  .source-box p { display: grid; gap: 10px; }
  .broker-checklist p { grid-template-columns: 30px 1fr; }
  .broker-review-grid footer { align-items: flex-start; flex-direction: column; }
  .calculator-wrap { padding: 17px; }
  .calculator-results { padding: 20px; }
  .calculator-results > p strong { font-size: 33px; }
  .market-pulse-section { padding-block: 12px 0; }
  .market-pulse { margin: 20px 0 34px; border-radius: 14px; }
  .market-pulse > header { gap: 17px; padding: 19px 17px 17px; }
  .market-tabs { display: grid; grid-template-columns: 1fr 1fr; width: 100%; }
  .market-tabs button { white-space: nowrap; }
  .market-stat-grid { grid-template-columns: 1fr; gap: 9px; padding: 12px; background: transparent; }
  .market-stat-grid > div { padding: 16px; border: 1px solid #dce5ed; border-left: 4px solid var(--blue); border-radius: 11px; box-shadow: 0 6px 18px rgba(20,49,78,.04); }
  .market-stat-grid > div:nth-child(2) { border-left-color: var(--green); }
  .market-stat-grid > div:nth-child(3) { border-left-color: #d69b31; }
  .market-stat-grid > div:nth-child(4) { border-left-color: #7b67b7; }
  .market-stat-grid > div > strong { font-size: 25px; }
  .live-rate-table { display: grid; gap: 9px; margin: 4px 12px 0; overflow: visible; border: 0; background: transparent; }
  .live-rate-table > div:first-child { display: none; }
  .live-rate-table > div:not(:first-child) { display: grid; grid-template-columns: 1fr; gap: 7px; padding: 15px; border: 1px solid #dae4eb; border-left: 4px solid var(--green); border-radius: 11px; background: #fff; box-shadow: 0 6px 18px rgba(20,49,78,.04); }
  .live-rate-table [role="cell"] { display: grid; grid-template-columns: 105px 1fr; gap: 9px; align-items: start; }
  .live-rate-table [role="cell"]::before { content: attr(data-label); color: #8491a1; font-size: 8px; font-weight: 850; text-transform: uppercase; letter-spacing: .06em; }
  .live-rate-table b { font-size: 13px; }
  .market-note { margin: 15px 14px 17px !important; }
  .market-note a { margin: 7px 9px 0 0; }
  .market-pulse > footer { align-items: flex-start; flex-direction: column; gap: 6px; padding: 12px 16px; }
  .credit-survey-snapshot { margin: 12px 12px 0; }
  .credit-survey-snapshot > header { align-items: flex-start; flex-direction: column; gap: 5px; }
  .credit-survey-snapshot > div { grid-template-columns: 1fr; gap: 8px; padding: 9px; background: transparent; }
  .credit-survey-snapshot p { padding: 13px; border: 1px solid #dce5ed; border-left: 4px solid var(--green); border-radius: 10px; }
}