:root{--navy:#0B1F3A;--navy-2:#132D52;--navy-3:#1D3F6E;--accent:#FFB020;--accent-d:#E89A00;--ink:#1A2433;--muted:#5B6878;--line:#E3E8EF;--bg:#F6F8FB;--white:#fff;--ok:#12A36B;--r:14px;--shadow:0 10px 30px rgba(11,31,58,.08);--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,"Segoe UI",system-ui,-apple-system,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;font-size:17px;background:#fff;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--navy-3)}a:hover{color:var(--navy)}
h1,h2,h3,h4{line-height:1.2;color:var(--navy);margin:0 0 .6em;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.6vw,3.5rem);font-weight:800;letter-spacing:-.025em}
h2{font-size:clamp(1.6rem,3vw,2.3rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.container{max-width:var(--max);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;background:#fff;padding:8px 12px;z-index:100}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px;gap:20px}
.brand{color:var(--navy);display:flex;align-items:center}.brand svg{height:44px;width:auto}
.nav-links{display:flex;align-items:center;gap:26px;list-style:none;margin:0;padding:0}
.nav-links a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem}
.nav-links a:hover,.nav-links a[aria-current=page]{color:var(--navy-3)}
.nav-phone{font-weight:700!important;color:var(--navy)!important;white-space:nowrap}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 10px;cursor:pointer}
.menu-btn span{display:block;width:22px;height:2px;background:var(--navy);margin:5px 0}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 24px;border-radius:10px;font-weight:700;text-decoration:none;font-size:1rem;border:2px solid transparent;cursor:pointer;transition:.15s;font-family:inherit}
.btn-primary{background:var(--accent);color:var(--navy)}.btn-primary:hover{background:var(--accent-d);color:var(--navy)}
.btn-outline{border-color:rgba(255,255,255,.45);color:#fff}.btn-outline:hover{background:rgba(255,255,255,.1);color:#fff}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-2);color:#fff}
.btn-sm{padding:10px 18px;font-size:.92rem}
/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#24508C 0,transparent 60%),linear-gradient(160deg,var(--navy) 0%,#0E2748 100%);color:#fff;padding:88px 0 96px;position:relative;overflow:hidden}
.hero h1{color:#fff}.hero h1 em{font-style:normal;color:var(--accent)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.eyebrow{display:inline-block;font-size:.9rem;font-weight:700;letter-spacing:.01em;line-height:1.3;color:#8A5A00;background:#FFF1D1;padding:6px 14px;border-radius:99px;margin-bottom:16px}
.hero .eyebrow{color:var(--accent);background:rgba(255,176,32,.14);border:1px solid rgba(255,176,32,.35)}
.lead{font-size:1.2rem;color:#D3DDEA;max-width:600px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin:30px 0 22px}
.hero-note{font-size:.9rem;color:#A9B8CC}
.term-card{background:#fff;color:var(--ink);border-radius:18px;padding:28px;box-shadow:0 30px 60px rgba(0,0,0,.25)}
.term-card h2{font-size:1.1rem;margin-bottom:16px;display:flex;justify-content:space-between;align-items:center}
.term-card .tag{font-size:.72rem;background:#FFF4DC;color:#8A5A00;padding:4px 10px;border-radius:99px;font-weight:700;letter-spacing:.04em}
.term-row{display:flex;justify-content:space-between;align-items:baseline;padding:13px 0;border-bottom:1px solid var(--line);gap:12px}
.term-row:last-of-type{border-bottom:0}
.term-row span{color:var(--muted);font-size:.95rem}.term-row strong{color:var(--navy);font-size:1.05rem;text-align:right}
.term-card .fine{font-size:.78rem;color:var(--muted);margin:12px 0 0}
/* page hero */
.page-hero{background:linear-gradient(160deg,var(--navy) 0%,#10294D 100%);color:#fff;padding:64px 0 60px}
.page-hero h1{color:#fff;font-size:clamp(1.9rem,4vw,2.9rem)}.page-hero p{color:#D3DDEA;font-size:1.15rem;max-width:720px;margin:0}
.crumbs{font-size:.85rem;color:#A9B8CC;margin-bottom:12px}.crumbs a{color:#A9B8CC}
/* sections */
section{padding:84px 0}.sec-alt{background:var(--bg)}
.sec-head{max-width:720px;margin-bottom:44px}.sec-head.center{text-align:center;margin-left:auto;margin-right:auto}
.sec-head p{color:var(--muted);font-size:1.1rem}
.stat-strip{background:#fff;border-bottom:1px solid var(--line);padding:0}
.stats{display:grid;grid-template-columns:repeat(4,1fr)}
.stat{padding:30px 22px;border-right:1px solid var(--line)}.stat:last-child{border-right:0}
.stat b{display:block;font-size:1.9rem;color:var(--navy);font-weight:800;letter-spacing:-.02em}
.stat span{color:var(--muted);font-size:.93rem}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;box-shadow:var(--shadow)}
.card p{color:var(--muted);margin:0}
.step-num{width:44px;height:44px;border-radius:12px;background:var(--navy);color:var(--accent);display:grid;place-items:center;font-weight:800;font-size:1.15rem;margin-bottom:18px}
.icon{width:46px;height:46px;border-radius:12px;background:#FFF4DC;display:grid;place-items:center;margin-bottom:18px}
.icon svg{width:24px;height:24px;stroke:var(--navy);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.checks{list-style:none;padding:0;margin:0 0 1.2em}
.checks li{position:relative;padding-left:30px;margin-bottom:10px}
.checks li::before{content:"";position:absolute;left:0;top:5px;width:18px;height:18px;border-radius:50%;background:var(--ok) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/12px no-repeat}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.audience{border-top:4px solid var(--accent)}
.pill-list{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0}
.pill-list li{background:#fff;border:1px solid var(--line);border-radius:99px;padding:6px 14px;font-size:.9rem;font-weight:600;color:var(--navy)}
.pill-list li.core{background:var(--navy);color:#fff;border-color:var(--navy)}
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.trust .card{padding:24px;box-shadow:none}
.trust h3{font-size:1.02rem;margin-bottom:6px}.trust p{font-size:.93rem}
/* tables */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff}
table{width:100%;border-collapse:collapse;font-size:.97rem}
th,td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--navy);color:#fff;font-weight:700;font-size:.9rem;letter-spacing:.02em}
tbody tr:last-child td{border-bottom:0}tbody th{color:var(--navy);width:34%;font-weight:700;background:#FAFBFD}
.note{font-size:.88rem;color:var(--muted);margin-top:14px}
/* cta band */
.cta-band{background:linear-gradient(120deg,var(--navy) 0%,var(--navy-3) 100%);color:#fff;border-radius:20px;padding:52px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin-bottom:8px}.cta-band p{color:#D3DDEA;margin:0}
.cta-band .actions{display:flex;gap:12px;flex-wrap:wrap}
/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:18px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--accent-d)}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);padding-bottom:6px}
.faq h2{font-size:1.3rem;margin:36px 0 14px}
/* prose */
.prose{max-width:780px}.prose h2{font-size:1.55rem;margin-top:1.6em}.prose h3{margin-top:1.4em}
.prose ul{padding-left:1.2em}.prose li{margin-bottom:.4em}
.aside{background:var(--bg);border-left:4px solid var(--accent);padding:18px 22px;border-radius:0 12px 12px 0;margin:24px 0;color:var(--ink)}
.layout-side{display:grid;grid-template-columns:1fr 340px;gap:48px;align-items:start}
.sticky{position:sticky;top:100px}
/* form */
.form-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:36px;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 20px}
.form-grid .full{grid-column:1/-1}
label{display:block;font-weight:600;font-size:.92rem;color:var(--navy);margin-bottom:6px}
label .opt{color:var(--muted);font-weight:500}
input,select,textarea{width:100%;padding:13px 14px;border:1.5px solid #CFD8E3;border-radius:10px;font:inherit;font-size:1rem;color:var(--ink);background:#fff;transition:.15s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy-3);box-shadow:0 0 0 4px rgba(29,63,110,.12)}
textarea{min-height:110px;resize:vertical}
.money{position:relative}.money::before{content:"$";position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.money input{padding-left:28px}
.consent{font-size:.82rem;color:var(--muted);margin:18px 0}
.form-msg{display:none;margin-top:16px;padding:14px 16px;border-radius:10px;font-weight:600}
.form-msg.show{display:block}.form-msg.ok{background:#E7F7EF;color:#0B6B46}.form-msg.warn{background:#FFF4DC;color:#7A5200}
.hp{position:absolute;left:-10000px}
/* footer */
.site-footer{background:var(--navy);color:#B7C4D6;padding:64px 0 28px;font-size:.93rem;margin-top:0}
.site-footer a{color:#DDE5F0;text-decoration:none}.site-footer a:hover{color:var(--accent)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:36px}
.site-footer h4{color:#fff;font-size:.85rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:8px}
.foot-brand{color:#fff}.foot-brand svg{height:44px;width:auto;margin-bottom:14px}
.foot-legal{border-top:1px solid rgba(255,255,255,.12);margin-top:44px;padding-top:24px;font-size:.8rem;color:#91A2B9;line-height:1.55}
.foot-legal p{margin-bottom:.7em}
.eho{display:flex;gap:12px;align-items:flex-start;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:12px;padding:14px 16px;margin-bottom:16px;color:#C9D4E3}
.eho strong{color:#fff}
.placeholder{background:rgba(255,176,32,.14);border:1px dashed var(--accent);color:#FFD48A;padding:1px 6px;border-radius:4px}
/* responsive */
@media (max-width:1000px){.hero-grid,.split,.layout-side{grid-template-columns:1fr}.trust{grid-template-columns:1fr 1fr}.foot-grid{grid-template-columns:1fr 1fr}.sticky{position:static}}
@media (max-width:860px){
 .menu-btn{display:block}
 .nav-links{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
 .nav-links.open{display:flex}.nav-links li{border-bottom:1px solid var(--line)}.nav-links li:last-child{border:0;padding-top:14px}
 .nav-links a{display:block;padding:14px 0}.nav-links .btn{display:flex}
 .grid-3,.grid-2{grid-template-columns:1fr}.stats{grid-template-columns:1fr 1fr}.stat:nth-child(2){border-right:0}.stat:nth-child(-n+2){border-bottom:1px solid var(--line)}
}
@media (max-width:600px){body{font-size:16px}section{padding:60px 0}.hero{padding:56px 0 64px}.form-grid{grid-template-columns:1fr}.trust,.foot-grid{grid-template-columns:1fr}.cta-band{padding:34px 26px}.form-card{padding:24px}.card{padding:24px}.hero-ctas .btn{width:100%}th,td{padding:12px 14px}tbody th{width:42%}}
.term-row strong{white-space:nowrap}
@media (max-width:600px){.stat{padding:22px 16px}.stat b{font-size:1.4rem}.term-card{padding:22px}.term-row span{font-size:.88rem}.term-row strong{font-size:.98rem}}
thead th,.lev td:not(:last-child){white-space:nowrap}

/* heading system */
h1,h2,h3{text-wrap:balance}p,li{text-wrap:pretty}
h2{font-size:clamp(1.7rem,2.6vw,2.25rem)}
.sec-head h2,.split h2{margin-bottom:.45em}
.sub-h{margin-top:56px}.first-h{margin-top:0!important}
.prose h2{font-size:clamp(1.4rem,2.2vw,1.65rem)}
.faq h2{font-size:1.35rem}
.page-hero h1{margin-bottom:.4em}
.hero h1{max-width:17ch}
.states{gap:6px}.states li{padding:5px 0;width:46px;text-align:center;font-size:.85rem}
.na-label{margin:18px 0 8px;font-size:.9rem;font-weight:700;color:var(--muted)}
.states.na li{background:#F1F3F6;color:#8793A3;text-decoration:line-through;border-color:#E3E8EF}
@media (max-width:600px){h1{font-size:2rem}.page-hero h1{font-size:1.85rem}h2{font-size:1.55rem}.eyebrow{font-size:.82rem}.hero h1{max-width:none}}
.nw{white-space:nowrap}
.eyebrow{font-size:.92rem}
.states.na li{color:#6B7787}
@media (max-width:600px){.eyebrow{font-size:.8rem;padding:5px 12px}.hero .eyebrow{font-size:.76rem;letter-spacing:0}}
/* 100% financing highlight */
.term-highlight{background:linear-gradient(120deg,var(--navy),var(--navy-3));color:#fff;border-radius:12px;padding:14px 16px;margin-bottom:8px}
.term-highlight strong{display:block;color:var(--accent);font-size:1.25rem;font-weight:800;letter-spacing:-.01em}
.term-highlight span{display:block;color:#D3DDEA;font-size:.88rem;line-height:1.4;margin-top:2px}
.term-row em{font-style:normal;color:#8793A3;font-size:.82rem}
.hero-callout{display:inline-block;background:rgba(255,176,32,.12);border-left:3px solid var(--accent);color:#E6ECF4;padding:10px 14px;border-radius:0 8px 8px 0;font-size:.95rem;margin:0 0 14px}
.hero-callout b{color:var(--accent)}
.stat-hi{background:#FFF8E8}.stat-hi b{color:#8A5A00}
.audience.top{border-top-color:var(--navy);background:linear-gradient(180deg,#FFFBF1,#fff 40%)}
.tier-top td{background:#FFF8E8}
.lev td:last-child{min-width:210px}
.pill-list.mk li{padding:0;background:#fff}.pill-list.mk a{display:block;padding:6px 14px;text-decoration:none;color:var(--navy);font-weight:600}
.pill-list.mk li:hover{border-color:var(--navy-3)}
.loc-note{border-left-color:var(--navy-3);background:#EEF3FA}
/* deal analyzer */
.an-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:28px;align-items:start}
.an-h{font-size:1.35rem;margin-bottom:18px}
.hint{display:block;color:var(--muted);font-size:.8rem;margin-top:5px}
.pct{position:relative}.pct::after{content:"%";position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.pct input{padding-right:32px}
.an-results{display:grid;gap:20px}
.results-card{border-top:4px solid var(--accent)}
.headline{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.headline div{background:var(--bg);border-radius:12px;padding:16px 18px}
.headline span{display:block;color:var(--muted);font-size:.88rem;font-weight:600}
.headline b{display:block;color:var(--navy);font-size:clamp(1.5rem,2.6vw,2rem);font-weight:800;letter-spacing:-.02em;margin-top:2px}
.capnote{font-size:.85rem;color:var(--muted);margin:12px 0 14px}
.verdict-row{display:flex;gap:14px;align-items:flex-start}
.verdict-row p{margin:0;color:var(--ink);font-size:.93rem}
.verdict{flex:none;display:inline-block;padding:6px 14px;border-radius:99px;font-weight:800;font-size:.9rem;background:#EEF1F5;color:var(--navy)}
.v-pass{background:#E1F5EC;color:#0B6B46}.v-borderline{background:#FFF1D1;color:#8A5A00}.v-fail{background:#FDE7E7;color:#A12828}
.gated{position:relative;overflow:hidden;padding:0}
.gated-preview{padding:24px 28px;filter:blur(6px);opacity:.55;pointer-events:none;user-select:none;max-height:360px;overflow:hidden}
.gate-overlay{position:absolute;inset:0;background:linear-gradient(180deg,rgba(255,255,255,.55),rgba(255,255,255,.97) 18%);padding:28px;overflow:auto}
.gate-overlay h3{margin-bottom:6px}.gate-overlay>p{color:var(--muted);font-size:.95rem}
.gated{min-height:520px}
.bd-h{font-size:.95rem;margin:18px 0 8px;color:var(--navy)}.bd-h:first-child{margin-top:0}
#thanks-breakdown .table-wrap td,.gated-preview td{text-align:right;font-weight:700;color:var(--navy)}
.btn-ghost{border-color:var(--line);color:var(--navy);background:#fff}.btn-ghost:hover{border-color:var(--navy-3)}
.an-band-wrap{padding:0 0 84px}
.an-band{border:1px solid var(--line);border-radius:18px;padding:30px 36px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;background:linear-gradient(120deg,#FFF8E8,#fff 60%)}
.an-band h2{margin-bottom:6px}.an-band p{margin:0;color:var(--muted)}
.side-an{margin:14px 0 0;font-size:.93rem;font-weight:600}
@media (max-width:1000px){.an-grid{grid-template-columns:1fr}}
@media (max-width:1100px) and (min-width:861px){.nav-links{gap:16px}.nav-links a{font-size:.9rem}}
@media (max-width:600px){.headline{grid-template-columns:1fr}.gated{min-height:640px}.an-band{padding:24px}.an-band-wrap{padding-bottom:60px}}
.gate-overlay{background:linear-gradient(180deg,rgba(255,255,255,.2) 0,rgba(255,255,255,.93) 22%,#fff 45%)}
.gated-preview{opacity:.7}
@media (max-width:600px){.verdict-row{flex-direction:column;gap:8px}.gated{min-height:700px}}
.trust.six{grid-template-columns:repeat(3,1fr)}
@media (max-width:1000px){.trust.six{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.trust.six{grid-template-columns:1fr}}