:root {
  --ink: #102330;
  --ink-soft: #3e5561;
  --navy: #071d2b;
  --navy-2: #0d3141;
  --paper: #fffdfa;
  --canvas: #f2f4ef;
  --line: #cdd8d6;
  --line-dark: #8ca09e;
  --mint: #48d7a0;
  --mint-dark: #0b7957;
  --mint-soft: #e3f8ef;
  --blue: #2867d8;
  --blue-dark: #174ba8;
  --orange: #f2a84b;
  --orange-soft: #fff0d8;
  --red: #b84a45;
  --white: #ffffff;
  --shadow: 0 18px 48px rgba(7, 29, 43, .1);
  --radius: 10px;
  color: var(--ink);
  background: var(--canvas);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-synthesis: none;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body { margin: 0; background: var(--canvas); font-size: 17px; line-height: 1.6; }
a { color: var(--blue-dark); text-underline-offset: .2em; }
a:hover { text-decoration-thickness: 2px; }
img { max-width: 100%; }
button, input, select { font: inherit; }
.shell { width: min(1180px, calc(100% - 36px)); margin-inline: auto; }
.skip-link { position: fixed; top: 8px; left: 8px; z-index: 999; padding: 10px 14px; background: white; color: black; transform: translateY(-160%); }
.skip-link:focus { transform: none; }
:focus-visible { outline: 3px solid var(--orange); outline-offset: 3px; }

h1, h2, h3 { margin: 0 0 .55em; line-height: 1.08; letter-spacing: -.035em; }
h1 { font-size: clamp(2.55rem, 5vw, 5rem); }
h2 { font-size: clamp(2rem, 3.4vw, 3.35rem); }
h3 { font-size: 1.24rem; }
p { margin: 0 0 1.15em; }
.lead { max-width: 64ch; font-size: clamp(1.05rem, 1.5vw, 1.26rem); line-height: 1.55; }
.eyebrow, .kicker { margin: 0 0 10px; color: var(--mint-dark); font-size: .75rem; font-weight: 850; letter-spacing: .11em; text-transform: uppercase; }
.section-number { margin: 0 0 8px !important; color: var(--blue); font: 800 .78rem/1 ui-monospace, SFMono-Regular, Consolas, monospace; letter-spacing: .1em; }
.section { padding: 76px 0; }
.section--paper { background: var(--paper); border-block: 1px solid var(--line); }
.section--ink { background: var(--navy); color: white; }
.section--ink .eyebrow { color: var(--mint); }
.section--accent { background: var(--mint); color: var(--navy); }
.section-head { max-width: 760px; margin-bottom: 34px; }
.section-head--split { max-width: none; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 50px; align-items: end; }
.article-narrow { max-width: 820px; }

.site-header { position: sticky; top: 0; z-index: 80; color: white; background: rgba(7, 29, 43, .97); border-bottom: 1px solid rgba(255,255,255,.13); backdrop-filter: blur(14px); }
.site-header__inner { min-height: 74px; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.brand { display: flex; align-items: center; gap: 11px; color: inherit; text-decoration: none; font-size: 1.02rem; line-height: 1.05; }
.brand > span:last-child { display: grid; }
.brand small { margin-top: 4px; color: #9eb3bc; font-size: .61rem; letter-spacing: .04em; }
.brand__mark { display: grid; place-items: center; width: 39px; height: 39px; border: 1px solid var(--mint); color: var(--mint); font: 900 .78rem/1 ui-monospace, monospace; transform: rotate(-3deg); }
.main-nav { display: flex; align-items: center; gap: 26px; }
.main-nav a { color: #eaf2f4; text-decoration: none; font-size: .88rem; font-weight: 700; }
.main-nav a:hover, .main-nav a[aria-current] { color: var(--mint); }
.menu-toggle { display: none; width: auto; border: 1px solid #54707b; border-radius: 5px; padding: 8px 11px; color: white; background: transparent; }

.hero { overflow: hidden; padding: 76px 0 62px; color: white; background: radial-gradient(circle at 86% 22%, rgba(72,215,160,.16), transparent 28%), linear-gradient(118deg, var(--navy) 0 66%, #103647 66%); }
.hero__grid { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(370px, .82fr); gap: 72px; align-items: center; }
.hero .eyebrow { color: var(--mint); }
.hero h1 { max-width: 820px; }
.hero .lead { color: #dbe7e9; }
.hero__points { display: flex; flex-wrap: wrap; gap: 9px; margin: 28px 0 15px; }
.hero__points span { padding: 8px 11px; color: #dbe7e9; border: 1px solid #385762; border-radius: 999px; font-size: .78rem; }
.hero__points b { color: var(--mint); }
.hero__note { max-width: 70ch; color: #9fb4bc; font-size: .78rem; }
.loan-console, .calculator-form { padding: 28px; color: var(--ink); background: var(--paper); border-top: 5px solid var(--mint); box-shadow: var(--shadow); }
.console-head { display: flex; align-items: center; gap: 13px; margin-bottom: 22px; }
.console-head > span { display: grid; place-items: center; width: 37px; height: 37px; color: var(--navy); background: var(--mint); border-radius: 50%; font: 900 .75rem/1 ui-monospace, monospace; }
.console-head div { display: grid; }
.console-head small { color: var(--ink-soft); font-size: .7rem; text-transform: uppercase; letter-spacing: .08em; }
.console-head strong { font-size: 1rem; }
label { display: grid; gap: 7px; margin-bottom: 16px; font-size: .82rem; font-weight: 800; }
input, select { min-width: 0; width: 100%; border: 1px solid var(--line-dark); border-radius: 5px; padding: 11px 12px; color: var(--ink); background: white; }
.input-unit { display: flex; align-items: center; border-bottom: 2px solid var(--navy); }
.input-unit input { border: 0; border-radius: 0; padding: 5px 0 7px; color: var(--navy); background: transparent; font: 800 2.05rem/1 ui-monospace, SFMono-Regular, Consolas, monospace; }
.input-unit span { padding-left: 8px; font: 800 .82rem/1 ui-monospace, monospace; }
.input-unit--small input { font-size: 1.16rem; padding: 10px 0; }
.form-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.estimate-output { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; padding: 14px; margin: 4px 0 16px; background: var(--mint-soft); border-left: 4px solid var(--mint-dark); }
.estimate-output div { display: grid; }
.estimate-output small { color: var(--ink-soft); font-size: .67rem; }
.estimate-output strong { font: 800 1.15rem/1.3 ui-monospace, monospace; }
.console-foot { display: block; margin-top: 10px; color: var(--ink-soft); font-size: .69rem; line-height: 1.45; }

.button { display: inline-flex; justify-content: center; align-items: center; gap: 6px; min-height: 46px; border: 1px solid transparent; border-radius: 5px; padding: 11px 17px; font-weight: 850; text-decoration: none; cursor: pointer; }
.button--primary { color: var(--navy); background: var(--mint); border-color: var(--mint); }
.button--primary:hover { background: #66e5b5; }
.button--secondary { color: var(--blue-dark); background: white; border-color: #8ba9dd; }
.button--neutral { color: white; background: var(--blue); border-color: var(--blue); }
.button--ghost { color: white; background: transparent; border-color: #63808b; }
.button--compact { width: auto; min-height: 38px; padding: 8px 13px; }
.text-link { font-weight: 850; }

.signal-strip { color: var(--ink); background: var(--paper); border-bottom: 1px solid var(--line); }
.signal-strip__grid { min-height: 84px; display: grid; grid-template-columns: 1.2fr 1fr 1.4fr auto; gap: 24px; align-items: center; }
.signal-strip__grid > div { display: flex; align-items: center; gap: 11px; }
.signal-strip p { display: grid; margin: 0; }
.signal-strip small { color: var(--ink-soft); font-size: .67rem; }
.signal-strip strong { font-size: .8rem; }
.signal-strip__grid > div > span { color: var(--mint-dark); font-weight: 900; }
.signal-dot { width: 10px; height: 10px; background: var(--mint); border-radius: 50%; box-shadow: 0 0 0 5px var(--mint-soft); }
.signal-strip a { font-size: .78rem; font-weight: 800; }
.home-jump-nav { position: sticky; top: 74px; z-index: 60; background: rgba(255,253,250,.97); border-bottom: 1px solid var(--line); backdrop-filter: blur(12px); }
.home-jump-nav > div { display: flex; gap: 24px; overflow-x: auto; scrollbar-width: thin; }
.home-jump-nav a { flex: 0 0 auto; padding: 12px 0; color: var(--ink-soft); font-size: .72rem; font-weight: 800; text-decoration: none; }
.home-jump-nav a:hover { color: var(--blue-dark); }

.method-chip { display: grid; min-width: 230px; padding: 16px; background: var(--paper); border-left: 4px solid var(--blue); box-shadow: var(--shadow); }
.method-chip small, .method-chip span { color: var(--ink-soft); font-size: .72rem; }
.comparison-toolbar { display: grid; grid-template-columns: 90px minmax(0, 1fr); align-items: center; gap: 24px; padding: 15px 0; border-block: 1px solid var(--line-dark); }
.comparison-toolbar > div { display: flex; align-items: baseline; gap: 7px; }
.comparison-toolbar b { font: 900 2rem/1 ui-monospace, monospace; }
.comparison-toolbar span { font-size: .76rem; color: var(--ink-soft); }
.comparison-toolbar p { margin: 0; font-size: .83rem; }
.provider-list { display: grid; gap: 16px; margin-top: 20px; }
.provider-card { display: grid; grid-template-columns: 72px minmax(180px, .85fr) minmax(420px, 1.75fr); gap: 18px 24px; align-items: start; padding: 25px; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: 0 3px 0 rgba(7,29,43,.035); }
.provider-card:hover { border-color: #96aaa7; box-shadow: var(--shadow); }
.provider-card__rank { display: grid; text-align: center; }
.provider-card__rank span { color: var(--ink-soft); font-size: .6rem; text-transform: uppercase; letter-spacing: .08em; }
.provider-card__rank strong { font: 900 1.8rem/1 ui-monospace, monospace; }
.provider-card__rank small { color: var(--ink-soft); font-size: .66rem; }
.provider-card__identity { display: flex; gap: 12px; align-items: center; }
.provider-card__identity h3 { margin: 0; }
.provider-card__identity .kicker { margin-bottom: 3px; font-size: .62rem; }
.provider-monogram { flex: 0 0 auto; display: grid; place-items: center; width: 46px; height: 46px; color: var(--navy); background: var(--mint-soft); border: 1px solid #93d9bd; border-radius: 50%; font: 900 .78rem/1 ui-monospace, monospace; }
.provider-monogram--large { width: 70px; height: 70px; font-size: 1.1rem; }
.provider-card__facts { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 10px; margin: 0; }
.provider-card__facts div { display: grid; gap: 3px; }
.provider-card__facts dt { color: var(--ink-soft); font-size: .65rem; text-transform: uppercase; letter-spacing: .05em; }
.provider-card__facts dd { margin: 0; font-size: .81rem; font-weight: 800; }
.tag-row { grid-column: 2/-1; display: flex; flex-wrap: wrap; gap: 6px; }
.tag-row span { padding: 5px 8px; color: var(--ink-soft); background: #edf1ef; border-radius: 999px; font-size: .66rem; }
.tag-row--large { grid-column: auto; margin-top: 20px; }
.tag-row--large span { padding: 7px 10px; font-size: .75rem; }
.fit-reason { grid-column: 2/-1; margin: 0; padding-left: 12px; border-left: 3px solid var(--orange); font-size: .74rem; }
.provider-card__actions { grid-column: 2/-1; display: flex; gap: 10px; }
.source-state { grid-column: 2/-1; margin: -4px 0 0; color: var(--ink-soft); font-size: .67rem; }
.comparison-disclosure { display: grid; grid-template-columns: auto 1fr auto; gap: 16px; align-items: center; margin-top: 24px; padding: 17px; color: #dbe7e9; background: var(--navy); }
.comparison-disclosure p { margin: 0; font-size: .76rem; }
.comparison-disclosure code { color: var(--mint); font-size: .7rem; }
.empty-state { padding: 24px; margin-top: 18px; background: var(--orange-soft); border-left: 4px solid var(--orange); }
.empty-state p { margin: 5px 0 0; }

.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.steps-grid article { padding-top: 18px; border-top: 1px solid #4c6670; }
.steps-grid span { color: var(--mint); font: 900 .75rem/1 ui-monospace, monospace; }
.steps-grid h3 { margin-top: 18px; }
.steps-grid p { color: #b8c9ce; font-size: .86rem; }
.cost-lab { background: linear-gradient(90deg, var(--paper) 0 55%, var(--mint-soft) 55%); }
.cost-lab__grid { display: grid; grid-template-columns: 1fr .8fr; gap: 90px; align-items: center; }
.cost-card { padding: 28px; background: white; border: 1px solid #9acfb9; box-shadow: var(--shadow); }
.cost-card > div:not(.cost-card__bar) { display: flex; justify-content: space-between; gap: 20px; padding: 11px 0; border-bottom: 1px solid var(--line); }
.cost-card small { color: var(--ink-soft); }
.cost-card strong { font-family: ui-monospace, monospace; }
.cost-card__bar { height: 9px; margin: 22px 0 14px; overflow: hidden; background: #dce5e1; border-radius: 99px; }
.cost-card__bar span { display: block; width: var(--share); height: 100%; background: var(--orange); }
.cost-card p { margin: 0; color: var(--ink-soft); font-size: .73rem; }
.route-grid { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--line-dark); border-left: 1px solid var(--line-dark); }
.route-grid a { min-height: 255px; display: flex; flex-direction: column; padding: 27px; color: var(--ink); background: var(--paper); border-right: 1px solid var(--line-dark); border-bottom: 1px solid var(--line-dark); text-decoration: none; }
.route-grid a:hover { background: var(--mint-soft); }
.route-grid span { color: var(--blue); font: 900 .7rem/1 ui-monospace, monospace; }
.route-grid h3 { margin-top: 32px; }
.route-grid p { color: var(--ink-soft); font-size: .83rem; }
.route-grid b { margin-top: auto; color: var(--blue-dark); font-size: .78rem; }
.situation-grid, .split-content, .no-loan-grid { display: grid; grid-template-columns: .72fr 1.28fr; gap: 78px; align-items: start; }
.matrix { border-top: 2px solid var(--ink); }
.matrix > div { display: grid; grid-template-columns: .8fr 1fr 1.1fr; gap: 16px; padding: 13px 0; border-bottom: 1px solid var(--line); font-size: .78rem; }
.matrix > div:first-child { color: var(--ink-soft); font-size: .65rem; text-transform: uppercase; }
.split-content { grid-template-columns: 1fr 1fr; }
.split-content article { padding-right: 32px; }
.check-list { padding: 0; margin: 22px 0; list-style: none; }
.check-list li { position: relative; padding: 10px 0 10px 30px; border-bottom: 1px solid var(--line); }
.check-list li::before { position: absolute; left: 2px; color: var(--mint-dark); content: "✓"; font-weight: 900; }
.warning-box, .callout { padding: 20px; margin-top: 22px; background: var(--orange-soft); border-left: 4px solid var(--orange); }
.warning-box p, .callout p { margin: 5px 0 0; }
.prep-grid { display: grid; grid-template-columns: .65fr 1.35fr; gap: 80px; }
.document-list { margin: 0; padding: 0; list-style: none; border-top: 1px solid rgba(7,29,43,.4); }
.document-list li { display: flex; gap: 18px; padding: 16px 0; border-bottom: 1px solid rgba(7,29,43,.4); }
.document-list input { flex: 0 0 auto; width: 20px; height: 20px; margin: 2px 0 0; accent-color: var(--navy); }
.document-list li:has(input:checked) strong { text-decoration: line-through; text-decoration-thickness: 2px; opacity: .7; }
.document-list li > span { font: 900 .72rem/1.5 ui-monospace, monospace; }
.document-list div { display: grid; }
.document-list small { color: #294a52; }
.red-flags p { display: grid; grid-template-columns: 34px 1fr; margin: 0; padding: 18px 0; border-bottom: 1px solid var(--line); }
.red-flags p span { grid-row: span 2; color: var(--red); font-size: 1.5rem; }
.red-flags p strong { display: block; }
.alternatives { display: grid; grid-template-columns: repeat(5, 1fr); border-block: 1px solid var(--line-dark); }
.alternatives div { display: grid; gap: 7px; padding: 20px; border-right: 1px solid var(--line); }
.alternatives div:last-child { border: 0; }
.alternatives span { color: var(--ink-soft); font-size: .72rem; }
.social-evidence-section { color: white; background: var(--navy); }
.social-evidence-section .eyebrow, .social-evidence-section .kicker { color: var(--mint); }
.social-evidence-section .section-head p { color: #b8c9ce; }
.social-evidence-section .method-chip { color: var(--ink); }
.social-snapshot-grid { display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid #52707a; border-left: 1px solid #52707a; }
.social-snapshot-grid > a { display: grid; padding: 18px; color: white; background: #0b2937; border-right: 1px solid #52707a; border-bottom: 1px solid #52707a; text-decoration: none; }
.social-snapshot-grid > a:hover { background: #103847; }
.social-snapshot-grid p { margin: 0 0 12px; font-size: .61rem; }
.social-snapshot-grid strong { color: var(--mint); font: 900 1.7rem/1.1 ui-monospace, monospace; }
.social-snapshot-grid span { font-size: .74rem; }
.social-snapshot-grid small { min-height: 44px; margin: 8px 0; color: #9eb5bd; font-size: .65rem; }
.social-snapshot-grid b { margin-top: auto; color: #d7e5e8; font-size: .68rem; }
.source-channel-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: 22px; }
.source-channel-grid article { padding: 24px; color: var(--ink); background: var(--paper); }
.source-channel-grid article > p:not(.kicker) { color: var(--ink-soft); font-size: .8rem; }
.inline-links { display: flex; flex-wrap: wrap; gap: 7px; }
.inline-links a { padding: 6px 9px; background: var(--mint-soft); border-radius: 999px; font-size: .68rem; font-weight: 750; text-decoration: none; }
.faq-grid { display: grid; grid-template-columns: .7fr 1.3fr; gap: 80px; }
.faq-list { border-top: 1px solid var(--line-dark); }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary { position: relative; padding: 18px 38px 18px 0; cursor: pointer; font-weight: 850; list-style: none; }
.faq-list summary::after { position: absolute; right: 5px; color: var(--blue); content: "+"; font-size: 1.3rem; }
.faq-list details[open] summary::after { content: "–"; }
.faq-list details p { padding: 0 42px 18px 0; margin: 0; color: var(--ink-soft); }
.final-cta { padding: 54px 0; color: white; background: var(--navy); }
.final-cta__inner { display: flex; justify-content: space-between; gap: 40px; align-items: center; }
.final-cta .eyebrow { color: var(--mint); }
.final-cta h2 { margin: 0; }
.final-cta__inner > div:last-child { display: grid; gap: 13px; text-align: center; }
.final-cta .text-link { color: #cde0e4; }

.page-hero { padding: 70px 0 58px; color: white; background: radial-gradient(circle at 80% 10%, rgba(72,215,160,.14), transparent 25%), var(--navy); }
.page-hero .eyebrow { color: var(--mint); }
.page-hero__grid { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(300px, .6fr); gap: 70px; align-items: center; }
.page-hero h1 { max-width: 900px; }
.page-hero .lead { color: #ccdcdf; }
.formula-card, .decision-card, .provider-snapshot { padding: 24px; color: var(--ink); background: var(--paper); border-top: 4px solid var(--orange); box-shadow: var(--shadow); }
.formula-card span { display: block; margin-bottom: 12px; font-weight: 800; }
.formula-card code { font: 700 .93rem/1.75 ui-monospace, monospace; }
.decision-card { display: grid; gap: 7px; border-color: var(--mint); }
.decision-card small { color: var(--ink-soft); text-transform: uppercase; }
.decision-card p { margin: 0; font-size: .82rem; }
.calculator-workspace { background: var(--paper); }
.calculator-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 56px; align-items: start; }
.calculator-form { border: 1px solid var(--line); border-top: 5px solid var(--mint); box-shadow: none; }
.result-board { padding: 30px; color: white; background: var(--navy); }
.result-board .eyebrow { color: var(--mint); }
.result-board__main { display: grid; padding-bottom: 24px; border-bottom: 1px solid #3e5964; }
.result-board__main small, .result-board__main span { color: #a9bec5; }
.result-board__main strong { margin: 7px 0; color: var(--mint); font: 900 clamp(2.4rem, 5vw, 4rem)/1 ui-monospace, monospace; }
.result-metrics { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; padding: 24px 0; }
.result-metrics div { display: grid; }
.result-metrics small { color: #a9bec5; }
.result-metrics strong { font-family: ui-monospace, monospace; }
.stress-box { padding: 17px; color: var(--navy); background: var(--orange-soft); }
.stress-box p { margin: 5px 0 0; font-size: .8rem; }
.table-scroll { overflow-x: auto; border: 1px solid var(--line); }
table { width: 100%; border-collapse: collapse; }
th, td { padding: 12px 14px; text-align: left; border-bottom: 1px solid var(--line); white-space: nowrap; }
th { color: var(--ink-soft); background: #e9eeeb; font-size: .67rem; text-transform: uppercase; letter-spacing: .05em; }
td { font-size: .78rem; }
.schedule-table td:not(:first-child) { font-family: ui-monospace, monospace; }
.article-layout { display: grid; grid-template-columns: minmax(0, 760px) minmax(260px, 1fr); gap: 80px; padding-top: 70px; padding-bottom: 80px; }
.article-layout > * { min-width: 0; }
.article-body > section { margin-bottom: 64px; }
.article-body h2 { font-size: clamp(1.65rem, 3vw, 2.55rem); }
.article-body p { max-width: 72ch; }
.article-aside { position: relative; }
.aside-card { display: grid; gap: 10px; padding: 20px 0; border-top: 2px solid var(--ink); }
.aside-card + .aside-card { margin-top: 28px; }
.aside-card a { font-size: .82rem; font-weight: 750; }
.aside-card p { margin: 0; font-size: .78rem; }
.aside-card--accent { padding: 20px; background: var(--mint-soft); border: 0; border-left: 4px solid var(--mint-dark); }
.key-strip { color: var(--ink); background: var(--mint-soft); border-bottom: 1px solid #9fd1bd; }
.key-strip > .shell { min-height: 78px; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; align-items: center; }
.key-strip > .shell > div { display: flex; gap: 10px; align-items: center; }
.key-strip span { display: grid; place-items: center; flex: 0 0 auto; width: 26px; height: 26px; color: var(--white); background: var(--mint-dark); border-radius: 50%; font-size: .72rem; }
.key-strip p { margin: 0; font-size: .78rem; font-weight: 750; }
.content-table td { white-space: normal; }
.scenario-box { padding: 28px; background: var(--navy); color: white; }
.scenario-box .eyebrow { color: var(--mint); }
.scenario-metrics { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin: 20px 0; }
.scenario-metrics div { display: grid; padding: 12px; color: var(--ink); background: var(--paper); }
.scenario-metrics small { color: var(--ink-soft); }
.scenario-box .text-link { color: var(--mint); }
.directory-stat { display: grid; text-align: center; }
.directory-stat strong { color: var(--mint); font: 900 5rem/1 ui-monospace, monospace; }
.directory-stat span { font-weight: 800; }
.directory-stat small { color: #9fb5bc; }
.directory-controls { display: flex; justify-content: space-between; align-items: end; gap: 30px; margin-bottom: 28px; }
.directory-controls h2 { margin: 0; }
.directory-controls label { min-width: 280px; margin: 0; }
.provider-directory { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--line-dark); border-left: 1px solid var(--line-dark); }
.provider-directory > a { display: grid; grid-template-columns: auto 1fr auto; gap: 17px; align-items: center; min-height: 160px; padding: 24px; color: var(--ink); background: var(--paper); border-right: 1px solid var(--line-dark); border-bottom: 1px solid var(--line-dark); text-decoration: none; }
.provider-directory > a:hover { background: var(--mint-soft); }
.provider-directory h3, .provider-directory p { margin: 0 0 5px; }
.provider-directory p { color: var(--ink-soft); font-size: .76rem; }
.provider-directory b { color: var(--blue-dark); font-size: .72rem; }
.provider-title { display: flex; gap: 18px; align-items: center; }
.provider-title h1 { margin: 0; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 25px; }
.provider-snapshot { border-color: var(--mint); }
.provider-snapshot > small { color: var(--ink-soft); text-transform: uppercase; }
.provider-snapshot dl { margin: 12px 0 0; }
.provider-snapshot dl div { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; padding: 10px 0; border-bottom: 1px solid var(--line); }
.provider-snapshot dt { color: var(--ink-soft); font-size: .75rem; }
.provider-snapshot dd { margin: 0; text-align: right; font-size: .78rem; font-weight: 800; }
.fact-grid { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--line-dark); border-left: 1px solid var(--line-dark); }
.fact-grid div { display: grid; padding: 18px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.fact-grid small { color: var(--ink-soft); }
.data-note { padding: 13px; margin-top: 14px; background: var(--orange-soft); font-size: .75rem; }
.social-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.social-grid article { display: grid; gap: 5px; padding: 18px; background: var(--paper); border: 1px solid var(--line); }
.social-grid .kicker { margin: 0; }
.social-grid article span, .social-grid article a { font-size: .72rem; }
.source-list { padding: 0; list-style: none; border-top: 1px solid var(--line); }
.source-list li { display: flex; justify-content: space-between; gap: 20px; padding: 12px 0; border-bottom: 1px solid var(--line); font-size: .78rem; }
.source-list small { color: var(--ink-soft); }
.method-flow { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border-top: 1px solid var(--line-dark); border-left: 1px solid var(--line-dark); }
.method-flow article { min-height: 290px; padding: 28px; background: var(--paper); border-right: 1px solid var(--line-dark); border-bottom: 1px solid var(--line-dark); }
.method-flow article > span { color: var(--blue); font: 900 .75rem/1 ui-monospace, monospace; }
.method-flow h2 { margin-top: 35px; }
.method-flow p { color: var(--ink-soft); font-size: .85rem; }
.not-found { min-height: 68vh; display: grid; place-items: center; padding: 80px 0; text-align: center; }
.not-found p { max-width: 600px; margin-inline: auto; }
.not-found .hero-actions { justify-content: center; }

.site-footer { padding: 55px 0 24px; color: #cfdee2; background: #04151f; }
.footer-grid { display: grid; grid-template-columns: 1.6fr repeat(3, 1fr); gap: 48px; }
.brand--footer { color: white; margin-bottom: 15px; }
.footer-grid p { color: #91a7af; font-size: .78rem; }
.footer-grid > div:not(:first-child) { display: grid; align-content: start; gap: 7px; }
.footer-grid > div:not(:first-child) strong { margin-bottom: 8px; color: white; font-size: .78rem; }
.footer-grid a:not(.brand) { color: #b9cbd0; font-size: .75rem; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding-top: 30px; margin-top: 34px; color: #79929a; border-top: 1px solid #27404a; font-size: .68rem; }

@media (max-width: 980px) {
  .hero__grid, .page-hero__grid, .cost-lab__grid, .calculator-grid, .article-layout { grid-template-columns: 1fr; }
  .hero { background: var(--navy); }
  .cost-lab { background: var(--paper); }
  .provider-card { grid-template-columns: 62px 1fr; }
  .provider-card__facts { grid-column: 1/-1; }
  .tag-row, .fit-reason, .provider-card__actions, .source-state { grid-column: 1/-1; }
  .steps-grid { grid-template-columns: 1fr 1fr; }
  .route-grid { grid-template-columns: 1fr 1fr; }
  .situation-grid, .prep-grid, .no-loan-grid { grid-template-columns: 1fr; gap: 34px; }
  .alternatives { grid-template-columns: 1fr 1fr; }
  .social-snapshot-grid { grid-template-columns: 1fr 1fr; }
  .alternatives div { border-bottom: 1px solid var(--line); }
  .article-aside { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
  .aside-card + .aside-card { margin-top: 0; }
  .footer-grid { grid-template-columns: 1.5fr 1fr 1fr; }
  .footer-grid > div:last-child { grid-column: 2; }
}

@media (max-width: 760px) {
  body { font-size: 16px; }
  .shell { width: min(100% - 24px, 1180px); }
  .site-header__inner { min-height: 64px; }
  .home-jump-nav { top: 64px; }
  .brand small { display: none; }
  .menu-toggle { display: inline-flex; }
  .main-nav { position: absolute; top: 64px; right: 12px; left: 12px; display: none; flex-direction: column; align-items: stretch; gap: 0; padding: 8px; background: var(--navy); border: 1px solid #43616d; box-shadow: var(--shadow); }
  .main-nav.is-open { display: flex; }
  .main-nav a { padding: 11px; }
  .hero, .page-hero { padding: 48px 0 38px; }
  .hero__grid, .page-hero__grid { gap: 35px; }
  h1 { font-size: clamp(2.4rem, 12vw, 3.7rem); }
  .loan-console, .calculator-form { padding: 20px; }
  .signal-strip__grid { grid-template-columns: 1fr 1fr; padding: 18px 0; }
  .signal-strip__grid > div:nth-child(3), .signal-strip__grid > a { grid-column: 1/-1; }
  .section { padding: 52px 0; }
  .section-head--split { grid-template-columns: 1fr; gap: 16px; }
  .method-chip { min-width: 0; }
  .provider-card { padding: 18px; gap: 15px; }
  .provider-card__facts { grid-template-columns: 1fr 1fr; }
  .comparison-disclosure { grid-template-columns: 1fr; }
  .provider-card__actions { display: grid; }
  .steps-grid, .route-grid, .split-content, .faq-grid, .provider-directory, .method-flow { grid-template-columns: 1fr; }
  .route-grid a { min-height: 210px; }
  .matrix { overflow-x: auto; }
  .matrix > div { min-width: 640px; }
  .alternatives { grid-template-columns: 1fr; }
  .source-channel-grid { grid-template-columns: 1fr; }
  .final-cta__inner { display: grid; }
  .final-cta__inner > div:last-child { text-align: left; }
  .key-strip > .shell { grid-template-columns: 1fr; padding: 16px 0; }
  .article-layout { gap: 34px; padding-top: 48px; }
  .article-aside { grid-template-columns: 1fr; }
  .directory-controls { align-items: stretch; flex-direction: column; }
  .directory-controls label { min-width: 0; }
  .provider-directory > a { grid-template-columns: auto 1fr; }
  .provider-directory > a > b { grid-column: 2; }
  .provider-title { align-items: flex-start; flex-direction: column; }
  .social-grid, .fact-grid { grid-template-columns: 1fr; }
  .scenario-metrics { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > div:first-child { grid-column: 1/-1; }
  .footer-grid > div:last-child { grid-column: auto; }
  .footer-bottom { flex-direction: column; }
}

@media (max-width: 460px) {
  .hero__points { display: grid; }
  .form-pair, .estimate-output, .result-metrics, .provider-card__facts { grid-template-columns: 1fr; }
  .provider-card { grid-template-columns: 50px 1fr; }
  .provider-card__rank strong { font-size: 1.45rem; }
  .provider-card__identity { align-items: flex-start; }
  .provider-monogram { width: 40px; height: 40px; }
  .signal-strip__grid { grid-template-columns: 1fr; }
  .signal-strip__grid > div:nth-child(3), .signal-strip__grid > a { grid-column: auto; }
  .comparison-toolbar { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .social-snapshot-grid { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}