/* creditkeyfinancing.com — design tokens derived from seed sha256("creditkeyfinancing.com|2026-11-12") */
@font-face{font-family:"Instrument Serif";font-style:normal;font-weight:400;font-display:swap;src:url(fonts/instrument-serif-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Instrument Serif";font-style:italic;font-weight:400;font-display:swap;src:url(fonts/instrument-serif-latin-400-italic.woff2) format("woff2")}
@font-face{font-family:"Public Sans";font-style:normal;font-weight:100 900;font-display:swap;src:url(fonts/public-sans-latin-wght-normal.woff2) format("woff2")}

:root{
  --ink:#11160c;--ink-2:#1b2313;--ink-3:#28331c;
  --paper:#f6f2e7;--paper-2:#efe9d9;--card:#fffdf7;
  --line:#ddd6c2;--line-dark:rgba(255,255,255,.1);
  --muted:#5d6352;--muted-dark:rgba(246,242,231,.68);
  --lime:#8fe04a;--lime-deep:#2c6e0e;--lime-soft:#e4f5d0;
  --violet:#8a47c9;--violet-soft:#efe3fa;--violet-bright:#c79bf2;
  --warn:#b4541a;--warn-soft:#fbe9d8;
  --r:6px;--r-lg:10px;
  --serif:"Instrument Serif",Georgia,"Times New Roman",serif;
  --sans:"Public Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --maxw:1240px;
  --shadow:0 1px 0 rgba(17,22,12,.04),0 18px 40px -22px rgba(17,22,12,.35);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.62;font-size:17px;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3,h4{font-family:var(--serif);font-weight:400;line-height:1.04;letter-spacing:-.012em;margin:0 0 .45em}
h1 em,h2 em,h3 em{font-style:italic;color:var(--lime-deep)}
p{margin:0 0 1em}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 14px;z-index:99999}
.skip:focus{left:8px;top:8px}
:focus-visible{outline:2px solid var(--violet);outline-offset:3px}

/* ── NAV ── */
.nav{position:sticky;top:0;z-index:9999;background:rgba(246,242,231,.9);backdrop-filter:saturate(150%) blur(12px);-webkit-backdrop-filter:saturate(150%) blur(12px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;gap:20px;height:68px}
.logo{display:inline-flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink)}
.logo-mark{width:34px;height:34px;border-radius:var(--r);background:var(--ink);display:grid;place-items:center;flex-shrink:0}
.logo-mark svg{width:20px;height:20px}
.logo-txt{display:flex;flex-direction:column;line-height:1}
.logo-word{font-family:var(--serif);font-size:23px;letter-spacing:-.01em}
.logo-sub{font-size:10.5px;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);margin-top:4px}
.nav-links{display:flex;gap:26px;list-style:none;margin:0;padding:0}
.nav-links a{white-space:nowrap;font-size:14.5px;font-weight:600;text-decoration:none;color:var(--ink);padding:6px 0;border-bottom:2px solid transparent;transition:border-color .2s}
.nav-links a:hover,.nav-links a[aria-current=page]{border-bottom-color:var(--lime-deep)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:14px 24px;border-radius:var(--r);font:inherit;font-weight:700;font-size:15.5px;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:transform .18s,background .18s,box-shadow .18s,border-color .18s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-lime{background:var(--lime);color:var(--ink);box-shadow:0 10px 24px -12px rgba(63,143,22,.9)}
.btn-lime:hover{background:#a2ec62}
.btn-ink{background:var(--ink);color:var(--paper)}
.btn-ink:hover{background:var(--ink-3)}
.btn-line{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-line:hover{background:var(--ink);color:var(--paper)}
.btn-ghost-dark{background:rgba(255,255,255,.06);color:var(--paper);border-color:rgba(255,255,255,.22)}
.btn-ghost-dark:hover{background:rgba(255,255,255,.14)}
.btn-sm{padding:10px 18px;font-size:14.5px}
.arr{display:inline-block;transition:transform .18s}
.btn:hover .arr,a:hover>.arr{transform:translateX(3px)}
.menu-toggle{display:none;position:relative;width:42px;height:42px;background:none;border:0;cursor:pointer;padding:0;z-index:10000}
.menu-toggle span{position:absolute;left:9px;width:24px;height:2px;background:var(--ink);border-radius:2px;transition:top .28s,transform .28s,opacity .2s,background .2s}
.menu-toggle span:nth-child(1){top:14px}.menu-toggle span:nth-child(2){top:20px}.menu-toggle span:nth-child(3){top:26px}
body.menu-open{overflow:hidden}
body.menu-open .nav{background:var(--ink);border-bottom-color:var(--line-dark)}
body.menu-open .logo{color:var(--paper)}
body.menu-open .logo-mark{background:var(--lime)}
body.menu-open .logo-mark svg path,body.menu-open .logo-mark svg rect{stroke:var(--ink)}
body.menu-open .logo-sub{color:var(--muted-dark)}
body.menu-open .menu-toggle span{background:var(--paper)}
body.menu-open .menu-toggle span:nth-child(1){top:20px;transform:rotate(45deg)}
body.menu-open .menu-toggle span:nth-child(2){opacity:0}
body.menu-open .menu-toggle span:nth-child(3){top:20px;transform:rotate(-45deg)}
.mm{position:fixed;inset:0;z-index:9000;background:var(--ink);color:var(--paper);display:flex;flex-direction:column;padding-top:68px;visibility:hidden;opacity:0;transition:opacity .3s,visibility .3s}
.mm.open{visibility:visible;opacity:1}
.mm-body{flex:1;overflow-y:auto;padding:10px 24px;display:flex;flex-direction:column;justify-content:center;min-height:0}
.mm-nav{list-style:none;margin:0;padding:0}
.mm-nav li{border-bottom:1px solid var(--line-dark);opacity:0;transform:translateX(-14px);transition:opacity .35s,transform .35s}
.mm.open .mm-nav li{opacity:1;transform:none}
.mm.open .mm-nav li:nth-child(1){transition-delay:.08s}.mm.open .mm-nav li:nth-child(2){transition-delay:.12s}.mm.open .mm-nav li:nth-child(3){transition-delay:.16s}.mm.open .mm-nav li:nth-child(4){transition-delay:.2s}.mm.open .mm-nav li:nth-child(5){transition-delay:.24s}.mm.open .mm-nav li:nth-child(6){transition-delay:.28s}.mm.open .mm-nav li:nth-child(7){transition-delay:.32s}.mm.open .mm-nav li:nth-child(8){transition-delay:.36s}
.mm-nav a{display:flex;align-items:center;gap:14px;padding:14px 4px;color:var(--paper);text-decoration:none;font-family:var(--serif);font-size:27px;line-height:1.1}
.mm-nav .n{font-family:var(--sans);font-size:11px;font-weight:700;letter-spacing:.16em;color:var(--lime);width:26px}
.mm-nav .l{flex:1}
.mm-nav a:hover{color:var(--lime)}
.mm-foot{padding:16px 24px 26px;border-top:1px solid var(--line-dark)}
.mm-foot .btn{width:100%}
.mm-foot p{margin:14px 0 0;font-size:11.5px;color:var(--muted-dark);display:flex;justify-content:space-between;gap:10px}

/* ── HERO (home) ── */
.hero{position:relative;isolation:isolate;overflow:hidden;background:var(--ink);color:var(--paper);padding:74px 0 0;text-align:center}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 30%;z-index:-3}
.hero.has-photo::before{background:radial-gradient(60% 42% at 50% 34%,rgba(17,22,12,.78),transparent 75%),linear-gradient(180deg,rgba(17,22,12,.66) 0%,rgba(17,22,12,.76) 55%,rgba(17,22,12,.97) 100%),radial-gradient(52% 46% at 50% 2%,rgba(143,224,74,.22),transparent 70%)}
.hero::before{content:"";position:absolute;inset:0;z-index:-2;background:radial-gradient(52% 46% at 50% 2%,rgba(143,224,74,.34),transparent 70%),radial-gradient(40% 40% at 88% 74%,rgba(138,71,201,.42),transparent 70%),radial-gradient(36% 38% at 8% 80%,rgba(143,224,74,.16),transparent 72%)}
.hero::after{content:"";position:absolute;inset:0;z-index:-1;background-image:linear-gradient(rgba(246,242,231,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(246,242,231,.06) 1px,transparent 1px);background-size:64px 64px;-webkit-mask-image:radial-gradient(ellipse 80% 70% at 50% 30%,#000 30%,transparent 78%);mask-image:radial-gradient(ellipse 80% 70% at 50% 30%,#000 30%,transparent 78%)}
.pill{display:inline-flex;align-items:center;gap:9px;padding:7px 14px;border-radius:99px;font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
.hero .pill{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);color:var(--paper)}
.dot{flex-shrink:0;width:8px;height:8px;border-radius:50%;background:var(--lime);box-shadow:0 0 0 4px rgba(143,224,74,.22);animation:pulse 2.2s infinite}
@keyframes pulse{50%{box-shadow:0 0 0 9px rgba(143,224,74,0)}}
.hero h1{font-size:clamp(46px,7.6vw,104px);letter-spacing:-.024em;margin:22px auto 20px;max-width:15ch;line-height:.96}
.hero h1 em{color:var(--lime)}
.hero-sub{font-size:clamp(17px,1.5vw,20px);color:var(--muted-dark);max-width:640px;margin:0 auto 30px}
.hero-sub strong{color:var(--paper);font-weight:600}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;justify-content:center}
.hero-stats{display:flex;justify-content:center;flex-wrap:wrap;gap:0;margin:44px auto 0;max-width:900px;border-top:1px solid var(--line-dark)}
.hero-stats div{flex:1 1 160px;padding:20px 14px;border-right:1px solid var(--line-dark)}
.hero-stats div:last-child{border-right:0}
.hero-stats b{display:block;font-family:var(--serif);font-weight:400;font-size:38px;line-height:1;color:var(--lime)}
.hero-stats span{font-size:12.5px;color:var(--muted-dark)}
.desk{position:relative;display:grid;grid-template-columns:1fr 1.15fr 1fr;gap:18px;align-items:end;max-width:1040px;margin:46px auto 0;padding:0 28px;text-align:left}
.dcard{background:var(--card);color:var(--ink);border-radius:var(--r-lg) var(--r-lg) 0 0;padding:22px 22px 26px;box-shadow:0 -20px 60px -20px rgba(0,0,0,.6);border:1px solid rgba(255,255,255,.2);border-bottom:0}
.dcard.mid{padding-bottom:40px;background:var(--lime);border-color:transparent}
.dcard.side{transform:translateY(22px)}
.dlabel{font-size:11px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--muted)}
.dcard.mid .dlabel{color:var(--ink-3)}
.dbig{font-family:var(--serif);font-size:54px;line-height:1;margin:8px 0 4px}
.dsmall{font-size:13px;color:var(--muted)}
.dcard.mid .dsmall{color:var(--ink-3)}
.gauge{height:9px;border-radius:9px;background:rgba(17,22,12,.14);margin:16px 0 8px;overflow:hidden}
.gauge i{display:block;height:100%;width:0;background:var(--ink);border-radius:9px;transition:width 1.4s cubic-bezier(.2,.8,.2,1)}
.in .gauge i{width:var(--w,62%)}
.drow{display:flex;justify-content:space-between;font-size:13.5px;padding:8px 0;border-bottom:1px dashed var(--line)}
.drow:last-child{border-bottom:0}
.drow b{font-weight:700}
.tag{display:inline-block;font-size:11px;font-weight:700;padding:3px 8px;border-radius:99px;background:var(--lime-soft);color:var(--lime-deep)}
.tag.v{background:var(--violet-soft);color:var(--violet)}
.tag.w{background:var(--warn-soft);color:var(--warn)}

/* ── MARQUEE ── */
.marquee{background:var(--lime);color:var(--ink);padding:15px 0;overflow:hidden;border-top:1px solid var(--ink);border-bottom:1px solid var(--ink)}
.marquee-track{display:flex;gap:44px;width:max-content;animation:scroll 27s linear infinite;white-space:nowrap}
.marquee-track span{font-family:var(--serif);font-size:23px;display:inline-flex;align-items:center;gap:44px}
.marquee-track span::after{content:"";width:9px;height:9px;background:var(--ink);transform:rotate(45deg)}
@keyframes scroll{to{transform:translateX(-50%)}}

/* ── SECTIONS ── */
section{padding:96px 0}
.sec-head{max-width:760px;margin:0 auto 54px;text-align:center}
.sec-head.left{margin-left:0;text-align:left}
.eyebrow{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--lime-deep);margin-bottom:14px}
.on-dark .eyebrow{color:var(--lime)}
.sec-head h2{font-size:clamp(36px,4.6vw,62px)}
.sec-head p{color:var(--muted);font-size:18px;margin:14px 0 0}
.on-dark{background:var(--ink);color:var(--paper)}
.on-dark .sec-head p{color:var(--muted-dark)}
.on-dark h2 em,.on-dark h3 em{color:var(--lime)}
.alt{background:var(--paper-2)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--ink);border-radius:var(--r-lg);overflow:hidden;background:var(--card)}
.step{padding:30px 26px 32px;border-right:1px solid var(--ink);text-decoration:none;color:inherit;transition:background .2s;display:block}
.step:last-child{border-right:0}
.step:hover{background:var(--lime-soft)}
.step .n{font-family:var(--serif);font-size:64px;line-height:1;color:var(--lime-deep);font-style:italic}
.step h3{font-size:25px;margin:14px 0 8px}
.step p{font-size:15px;color:var(--muted);margin:0}

/* facts table */
.facts{width:100%;border-collapse:collapse;background:var(--card);border:1px solid var(--ink);border-radius:var(--r-lg);overflow:hidden;font-size:15.5px}
.facts caption{caption-side:bottom;font-size:12.5px;color:var(--muted);padding:10px 2px 0;text-align:left}
.facts th,.facts td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.facts tr:last-child th,.facts tr:last-child td{border-bottom:0}
.facts th{width:36%;font-weight:600;color:var(--muted);font-size:14px}
.facts td{font-weight:600}
.facts td small{display:block;font-weight:400;color:var(--muted);font-size:13px;margin-top:2px}
.tbl-wrap{border:1px solid var(--ink);border-radius:var(--r-lg);overflow:hidden;background:var(--card)}
.tbl-wrap .facts{border:0;border-radius:0}
.two{display:grid;grid-template-columns:1fr 1.08fr;gap:64px;align-items:center}
.two.top{align-items:start}

/* rows */
.rows{display:flex;flex-direction:column;gap:26px}
.row{display:grid;grid-template-columns:1fr 1fr;border-radius:var(--r-lg);overflow:hidden;min-height:440px;border:1px solid var(--ink)}
.row.dark{background:var(--ink);color:var(--paper)}
.row.light{background:var(--card)}
.row.rev .row-vis{order:-1}
.row-txt{padding:54px 52px;display:flex;flex-direction:column;justify-content:center}
.row .pill{width:fit-content;margin-bottom:20px}
.row.dark .pill{background:rgba(143,224,74,.16);color:var(--lime)}
.row.light .pill{background:var(--violet-soft);color:var(--violet)}
.row h3{font-size:clamp(30px,3.2vw,44px);margin-bottom:16px}
.row.dark h3 em{color:var(--lime)}
.row p{font-size:16px;max-width:460px}
.row.dark p{color:var(--muted-dark)}
.row.light p{color:var(--muted)}
.ticks{list-style:none;padding:0;margin:8px 0 28px}
.ticks li{position:relative;padding:7px 0 7px 32px;font-size:15px;font-weight:500}
.ticks li::before{content:"";position:absolute;left:0;top:10px;width:20px;height:20px;border-radius:50%;background:var(--lime) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2311160c' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/12px no-repeat}
.row-vis{position:relative;display:grid;place-items:center;padding:40px;overflow:hidden}
.row.dark .row-vis{background:var(--ink-2)}
.row.light .row-vis{background:var(--paper-2)}
.row-vis.ph{padding:0;min-height:300px}.row-vis.ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .6s}.row:hover .row-vis.ph img{transform:scale(1.04)}
.row-vis svg{width:100%;max-width:400px;height:auto;transition:transform .5s}
.row:hover .row-vis.ph{padding:0;min-height:300px}.row-vis.ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .6s}.row:hover .row-vis.ph img{transform:scale(1.04)}
.row-vis svg{transform:translateY(-6px) scale(1.02)}

/* benefits */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.bcard{padding:32px 28px;border-radius:var(--r-lg);background:var(--card);border:1px solid var(--line);transition:transform .22s,border-color .22s}
.bcard:hover{transform:translateY(-4px);border-color:var(--ink)}
.bcard.k{background:var(--ink);color:var(--paper);border-color:var(--ink)}
.bcard.k p{color:var(--muted-dark)}
.bcard.l{background:var(--lime);border-color:var(--lime)}
.bcard.l p{color:var(--ink-3)}
.bcard.v{background:var(--violet);color:#fff;border-color:var(--violet)}
.bcard.v p{color:rgba(255,255,255,.84)}
.bicon{width:46px;height:46px;border-radius:var(--r);background:var(--lime-soft);display:grid;place-items:center;margin-bottom:18px}
.bicon svg{width:24px;height:24px;stroke:var(--ink);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.bcard.k .bicon{background:rgba(255,255,255,.1)}.bcard.k .bicon svg{stroke:var(--lime)}
.bcard.l .bicon{background:rgba(17,22,12,.12)}
.bcard.v .bicon{background:rgba(255,255,255,.18)}.bcard.v .bicon svg{stroke:#fff}
.bcard h3{font-size:27px;margin-bottom:8px}
.bcard p{margin:0;font-size:15px;color:var(--muted)}

/* calculator */
.calc-card{background:var(--card);border:1px solid var(--ink);border-radius:var(--r-lg);padding:36px 34px;box-shadow:8px 8px 0 var(--ink)}
.calc-card h3{font-size:32px;margin:0 0 4px}
.calc-card>p{font-size:14px;color:var(--muted);margin-bottom:22px}
.field{margin-bottom:16px}
.field label{display:flex;justify-content:space-between;font-size:12.5px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);margin-bottom:7px}
.field label output{color:var(--ink);font-size:15px;letter-spacing:0;text-transform:none}
.field input[type=range]{width:100%;accent-color:var(--lime-deep);height:28px}
.seg{display:grid;grid-template-columns:repeat(5,1fr);gap:6px}
.seg button{padding:11px 4px;border:1.5px solid var(--line);background:var(--paper);border-radius:var(--r);font:inherit;font-weight:700;font-size:14px;cursor:pointer;color:var(--ink)}
.seg button[aria-pressed=true]{background:var(--ink);color:var(--lime);border-color:var(--ink)}
.result{background:var(--ink);color:var(--paper);border-radius:var(--r);padding:24px 22px;margin:22px 0}
.result .lab{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted-dark)}
.result .amt{font-family:var(--serif);font-size:62px;line-height:1;color:var(--lime);margin:6px 0 2px}
.result .sub{font-size:13px;color:var(--muted-dark)}
.result hr{border:0;border-top:1px solid var(--line-dark);margin:16px 0 10px}
.rrow{display:flex;justify-content:space-between;font-size:14px;padding:4px 0}
.rrow span{color:var(--muted-dark)}.rrow b{font-weight:700}
.fine{font-size:12.5px;color:var(--muted);line-height:1.55}
.numlist{list-style:none;padding:0;margin:30px 0 0;counter-reset:n}
.numlist li{counter-increment:n;display:flex;gap:16px;padding:15px 0;border-top:1px solid var(--line);font-size:15.5px;font-weight:500}
.numlist li:last-child{border-bottom:1px solid var(--line)}
.numlist li::before{content:"0" counter(n);font-weight:700;font-size:12.5px;letter-spacing:.1em;color:var(--lime-deep);padding-top:3px}

/* pros cons */
.pc{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.pc-card{border:1px solid var(--ink);border-radius:var(--r-lg);padding:38px 36px 30px;background:var(--card)}
.pc-card.pro{background:linear-gradient(180deg,var(--lime-soft),var(--card) 46%)}
.pc-card h3{font-size:32px;padding-bottom:20px;border-bottom:1px solid var(--line);margin-bottom:6px}
.pc-list{list-style:none;padding:0;margin:0}
.pc-list li{display:flex;gap:14px;padding:16px 0;border-bottom:1px solid var(--line)}
.pc-list li:last-child{border-bottom:0}
.ind{flex-shrink:0;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;margin-top:2px;background:var(--lime)}
.ind.no{background:var(--paper-2);border:1px solid var(--line)}
.ind svg{width:14px;height:14px;fill:none;stroke:var(--ink);stroke-width:2.8;stroke-linecap:round;stroke-linejoin:round}
.pc-list strong{display:block;font-size:16px}
.pc-list p{margin:3px 0 0;font-size:14px;color:var(--muted)}
.bottomline{max-width:800px;margin:40px auto 0;padding:20px 26px;border-left:4px solid var(--lime-deep);background:var(--card);font-size:15.5px}

/* ratings */
.rate{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.rate-card{background:var(--ink-2);border:1px solid var(--line-dark);border-radius:var(--r-lg);padding:34px 32px}
.rate-top{display:flex;align-items:flex-end;gap:16px;margin-bottom:22px}
.rate-num{font-family:var(--serif);font-size:84px;line-height:.86;color:var(--lime)}
.rate-meta{font-size:14px;color:var(--muted-dark)}
.rate-meta b{display:block;color:var(--paper);font-size:17px}
.bar{display:grid;grid-template-columns:54px 1fr 46px;gap:12px;align-items:center;font-size:13px;color:var(--muted-dark);padding:5px 0}
.bar i{display:block;height:8px;border-radius:8px;background:rgba(255,255,255,.1);overflow:hidden}
.bar i u{display:block;height:100%;width:0;background:var(--lime);transition:width 1.2s cubic-bezier(.2,.8,.2,1)}
.in .bar i u{width:var(--w)}
.rate-card a{color:var(--lime);font-size:14px;font-weight:600}
.themes{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:24px}
.theme{background:var(--ink-2);border:1px solid var(--line-dark);border-radius:var(--r-lg);padding:28px 30px}
.theme h3{font-size:26px}
.theme ul{margin:0;padding-left:18px;color:var(--muted-dark);font-size:15px}
.theme li{margin-bottom:8px}

/* cards / resources */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.cards.c2{grid-template-columns:1fr 1fr}
.card{display:flex;flex-direction:column;background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:26px 26px 22px;text-decoration:none;color:inherit;transition:transform .22s,border-color .22s,box-shadow .22s}
.card:hover{transform:translateY(-4px);border-color:var(--ink);box-shadow:6px 6px 0 var(--ink)}
.card .tag{align-self:flex-start;margin-bottom:14px}
.card h3{font-size:25px;line-height:1.1;margin-bottom:10px}
.card p{font-size:14.5px;color:var(--muted);flex:1;margin-bottom:16px}
.card .more{font-size:14px;font-weight:700;display:inline-flex;gap:7px;align-items:center}
.center{text-align:center;margin-top:40px}

/* FAQ */
.faq{max-width:840px;margin:0 auto}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:22px 0;font-weight:600;font-size:18px;display:flex;justify-content:space-between;gap:18px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--serif);font-size:34px;line-height:.6;color:var(--lime-deep);transition:transform .22s;flex-shrink:0}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .a{padding:0 0 22px;color:var(--muted);font-size:16px;max-width:720px}
.faq .a p:last-child{margin:0}

/* final CTA */
.final{background:var(--lime);text-align:center;padding:84px 0;border-top:1px solid var(--ink);border-bottom:1px solid var(--ink)}
.final h2{font-size:clamp(38px,5.4vw,72px);max-width:16ch;margin:0 auto 14px}
.final h2 em{color:var(--ink);text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:6px}
.final p{max-width:540px;margin:0 auto 26px;color:var(--ink-3)}
.final .note{font-size:13px;margin:16px auto 0}

/* ── ARTICLE ── */
.ahero{background:var(--ink);color:var(--paper);padding:56px 0 60px;position:relative;overflow:hidden;isolation:isolate}
.ahero::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(40% 80% at 92% 0%,rgba(143,224,74,.26),transparent 70%),radial-gradient(30% 70% at 0% 100%,rgba(138,71,201,.3),transparent 70%)}
.crumbs{font-size:13px;color:var(--muted-dark);margin-bottom:22px;display:flex;gap:8px;flex-wrap:wrap}
.crumbs a{color:var(--muted-dark);text-decoration:none}.crumbs a:hover{color:var(--lime)}
.ahero h1{font-size:clamp(38px,5.2vw,70px);max-width:20ch;margin-bottom:18px}
.ahero h1 em{color:var(--lime)}
.ahero .lede{font-size:19px;color:var(--muted-dark);max-width:700px;margin:0}
.ameta{display:flex;gap:18px;flex-wrap:wrap;margin-top:26px;font-size:13px;color:var(--muted-dark)}
.ameta b{color:var(--paper);font-weight:600}
.abody{padding:56px 0 80px}
.agrid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:60px;align-items:start}
.prose{max-width:760px;min-width:0}
.prose h2{font-size:clamp(30px,3.2vw,42px);margin:48px 0 16px;scroll-margin-top:90px}
.prose h3{font-size:26px;margin:30px 0 10px}
.prose p,.prose li{font-size:17px}
.prose a{color:var(--lime-deep);font-weight:600;text-underline-offset:3px}
.prose a.btn{text-decoration:none}.prose a.btn-lime{color:var(--ink)}.prose a.btn-ink{color:var(--paper)}.prose a.card{color:inherit;font-weight:400}
.prose ul,.prose ol{padding-left:22px;margin:0 0 1.2em}
.prose li{margin-bottom:8px}
.answer{background:var(--lime-soft);border:1px solid var(--ink);border-radius:var(--r-lg);padding:24px 26px;margin-bottom:8px;box-shadow:6px 6px 0 var(--ink)}
.answer .lab{font-size:11.5px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--lime-deep);margin-bottom:8px}
.answer p{margin:0;font-size:18px;font-weight:500}
.note{background:var(--violet-soft);border-left:4px solid var(--violet);padding:16px 20px;border-radius:0 var(--r) var(--r) 0;margin:22px 0;font-size:15.5px}
.note.w{background:var(--warn-soft);border-left-color:var(--warn)}
.prose .tbl-scroll{overflow-x:auto;margin:22px 0;border:1px solid var(--ink);border-radius:var(--r-lg);background:var(--card)}
.prose table.t{width:100%;border-collapse:collapse;font-size:15px}.prose table.t.wide{min-width:620px}
.prose table.t th,.prose table.t td{padding:12px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.prose table.t thead th{background:var(--ink);color:var(--paper);font-size:12.5px;letter-spacing:.08em;text-transform:uppercase}
.prose table.t tr:last-child td{border-bottom:0}
.midcta{background:var(--ink);color:var(--paper);border-radius:var(--r-lg);padding:30px 30px;margin:38px 0;display:flex;gap:22px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.midcta h3{font-size:29px;margin:0 0 6px;color:var(--paper)}
.midcta p{margin:0;font-size:15px;color:var(--muted-dark);max-width:430px}
.side{position:sticky;top:92px;display:flex;flex-direction:column;gap:18px}
.sbox{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:22px}
.sbox .sh{margin:0 0 12px;font-family:var(--sans);font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.sbox ul{list-style:none;padding:0;margin:0}
.sbox li{border-bottom:1px solid var(--line)}
.sbox li:last-child{border-bottom:0}
.sbox li a{display:block;padding:10px 0;font-size:14.5px;font-weight:600;text-decoration:none}
.sbox li a:hover{color:var(--lime-deep)}
.sbox.k{background:var(--ink);color:var(--paper);border-color:var(--ink)}
.sbox.k .sh{color:var(--lime)}
.sbox.k p{font-size:14.5px;color:var(--muted-dark)}
.sbox.k .btn{width:100%}
.kv{display:flex;justify-content:space-between;gap:12px;font-size:14px;padding:9px 0;border-bottom:1px dashed var(--line)}
.kv:last-child{border-bottom:0}
.kv span{color:var(--muted)}.kv b{text-align:right}
.sources{margin-top:44px;padding-top:24px;border-top:1px solid var(--line)}
.sources h2{font-size:26px;margin:0 0 12px}
.sources li{font-size:14.5px}
.formbox{background:var(--card);border:1px solid var(--ink);border-radius:var(--r-lg);padding:26px;box-shadow:8px 8px 0 var(--ink);margin:30px 0;min-height:420px}
.formbox h2,.formbox h3{font-size:30px;margin:0 0 6px}
.formbox>p{font-size:14.5px;color:var(--muted)}
.form-skel{display:grid;gap:12px;margin-top:14px}
.form-skel i{display:block;height:48px;border-radius:var(--r);background:linear-gradient(90deg,var(--paper-2),var(--paper),var(--paper-2));background-size:200% 100%;animation:sh 1.4s linear infinite}
@keyframes sh{to{background-position:-200% 0}}
#_lg_form_:not(:empty)+.form-skel{display:none}
.apply-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:44px;align-items:start}

.ahero-in{display:grid;grid-template-columns:minmax(0,1fr) 400px;gap:56px;align-items:center}
.ahero-art{margin:0}.ahero-art img{width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;border-radius:var(--r-lg);transform:rotate(2deg);border:1px solid rgba(255,255,255,.28);box-shadow:10px 10px 0 var(--lime),0 30px 60px -20px rgba(0,0,0,.7)}
.fig{margin:26px 0;padding:24px;background:var(--card);border:1px solid var(--ink);border-radius:var(--r-lg)}
.fig figcaption{font-size:13px;color:var(--muted);margin-top:16px;padding-top:12px;border-top:1px solid var(--line)}
.prose ol.flow{list-style:none;padding:0;margin:0;display:flex;gap:10px;flex-wrap:wrap}
.prose ol.flow li{position:relative;flex:1 1 130px;margin:0;padding:14px 14px 16px;background:var(--lime-soft);border:1px solid var(--ink);border-radius:var(--r);font-size:14.5px;font-weight:600;line-height:1.3}
.prose ol.flow li span{display:block;font-family:var(--serif);font-style:italic;font-size:26px;font-weight:400;color:var(--lime-deep);line-height:1;margin-bottom:8px}
.prose ol.flow li:last-child{background:var(--ink);color:var(--paper)}.prose ol.flow li:last-child span{color:var(--lime)}
.hbar{display:grid;grid-template-columns:84px 1fr 56px;gap:12px;align-items:center;padding:7px 0;font-size:14px}
.hbar span{color:var(--muted);font-weight:600}.hbar b{text-align:right}
.hbar i{display:block;height:14px;border-radius:3px;background:var(--paper-2);overflow:hidden}.hbar i u{display:block;height:100%;background:var(--lime-deep);border-radius:3px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.split-card{display:flex;flex-direction:column;background:var(--ink-2);border:1px solid var(--line-dark);border-radius:var(--r-lg);padding:36px 34px;text-decoration:none;color:var(--paper);transition:transform .22s,border-color .22s}
.split-card:hover{transform:translateY(-4px);border-color:var(--lime)}
.split-card .tag{align-self:flex-start;margin-bottom:16px}
.split-card h3{font-size:36px;margin-bottom:12px}
.split-card p,.split-card li{color:var(--muted-dark);font-size:15.5px}
.split-card ul{padding-left:18px;margin:0 0 22px;flex:1}.split-card li{margin-bottom:6px}
.split-card .more{color:var(--lime);font-weight:700;font-size:15px;display:inline-flex;gap:8px}
.trust{list-style:none;display:flex;flex-wrap:wrap;gap:6px 16px;padding:0;margin:12px 0 4px;font-size:13px;font-weight:600;color:var(--muted)}
.prose .trust{padding:0}.trust li{position:relative;padding-left:18px;margin:0;font-size:13px}
.trust li::before{content:"";position:absolute;left:0;top:.45em;width:10px;height:6px;border-left:2px solid var(--lime-deep);border-bottom:2px solid var(--lime-deep);transform:rotate(-45deg)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:22px 0 10px}
.chip{padding:10px 16px;border-radius:99px;border:1.5px solid var(--ink);background:var(--card);font:inherit;font-size:14.5px;font-weight:600;cursor:pointer;color:var(--ink);transition:background .15s,color .15s}
.chip:hover{background:var(--lime-soft)}.chip[aria-pressed=true]{background:var(--ink);color:var(--lime)}
.chip-tip{min-height:3.2em;font-size:15px;color:var(--ink);background:var(--card);border-left:4px solid var(--lime-deep);padding:12px 16px;margin:0}
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:9500;max-width:560px;margin:0 auto;background:var(--ink);color:var(--paper);border-radius:var(--r-lg);padding:18px 20px;box-shadow:0 20px 50px -10px rgba(0,0,0,.5);font-size:14px;display:none}
.cookie.show{display:block}.cookie p{margin:0 0 12px;color:var(--muted-dark)}.cookie a{color:var(--lime)}
.cookie div{display:flex;gap:10px}.cookie button{flex:1}
/* footer */
footer{background:var(--ink);color:var(--muted-dark);padding:72px 0 28px}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:40px 30px;margin-bottom:44px}
footer .logo{color:var(--paper);margin-bottom:18px}
footer .logo-mark{background:var(--lime)}
footer .logo-mark svg path,footer .logo-mark svg rect{stroke:var(--ink)}
footer .logo-sub{color:var(--muted-dark)}
.fdesc{font-size:14px;max-width:330px}
footer .fh{margin:0 0 16px;font-family:var(--sans);color:var(--paper);font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;margin-bottom:16px}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin-bottom:10px}
footer li a{font-size:14px;text-decoration:none;color:var(--muted-dark)}
footer li a:hover{color:var(--lime)}
.fbot{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px;padding-top:22px;border-top:1px dashed rgba(255,255,255,.18)}
.fbot a{color:var(--muted-dark);margin-left:20px}
.fbot a:first-child{margin-left:0}
.fdis{font-size:12px;line-height:1.7;margin:24px 0 0;color:rgba(246,242,231,.5)}
.fdis strong{color:rgba(246,242,231,.78)}

/* sticky mobile CTA */
.sticky{display:none}

/* reveal */
.rv{opacity:0;transform:translateY(22px);transition:opacity .7s,transform .7s}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}.marquee-track{animation:none}.dot{animation:none}html{scroll-behavior:auto}}
.no-js .rv{opacity:1;transform:none}

/* ── RESPONSIVE ── */
@media (max-width:1200px){
  .nav-links,.nav .btn{display:none}.menu-toggle{display:block}
}
@media (max-width:1080px){
  .agrid{grid-template-columns:1fr}.side{position:static}.prose{max-width:none}
  .fgrid{grid-template-columns:1fr 1fr 1fr}.fgrid>div:first-child{grid-column:1/-1}
  .ahero-in{grid-template-columns:minmax(0,1fr) 300px;gap:36px}
}
@media (max-width:900px){
  section{padding:68px 0}
  .steps{grid-template-columns:1fr 1fr}.step:nth-child(2){border-right:0}.step:nth-child(-n+2){border-bottom:1px solid var(--ink)}
  .two,.pc,.rate,.themes,.apply-grid{grid-template-columns:1fr;gap:34px}
  .split{grid-template-columns:1fr}.ahero-in{grid-template-columns:1fr;gap:28px}.ahero-art img{aspect-ratio:16/9;transform:none;box-shadow:6px 6px 0 var(--lime)}
  .row{grid-template-columns:1fr;min-height:0}.row.rev .row-vis{order:0}
  .row-txt{padding:38px 30px}.row-vis{padding:30px}.row-vis.ph{padding:0;min-height:300px}.row-vis.ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .6s}.row:hover .row-vis.ph img{transform:scale(1.04)}
.row-vis svg{max-width:300px}
  .grid3,.cards{grid-template-columns:1fr 1fr}
  .desk{grid-template-columns:1fr 1fr}.desk .dcard.side:last-child{display:none}.dcard.side{transform:none}
}
@media (max-width:640px){
  body{font-size:16px;padding-bottom:78px}
  .wrap{padding:0 20px}
  .nav-in{height:62px}.mm{padding-top:62px}
  .logo-word{font-size:21px}
  .hero{padding-top:50px}.hero-bg{object-position:74% 30%}
  .hero-sub{margin-bottom:24px}
  .cta-row .btn{width:100%}
  .hero-stats div{flex:1 1 50%;padding:16px 8px}.hero-stats div:nth-child(2){border-right:0}.hero-stats div:nth-child(-n+2){border-bottom:1px solid var(--line-dark)}
  .hero-stats b{font-size:32px}
  .desk{grid-template-columns:1fr;padding:0 20px;margin-top:34px}.desk .dcard.side{display:none}
  .marquee-track span{font-size:19px}
  section{padding:54px 0}.sec-head{margin-bottom:34px}.sec-head p{font-size:16px}
  .steps{grid-template-columns:1fr}.step{border-right:0;border-bottom:1px solid var(--ink)}.step:last-child{border-bottom:0}
  .step .n{font-size:50px}
  .facts th,.facts td{padding:12px 14px;display:block;width:100%}.facts th{border-bottom:0;padding-bottom:0}.facts td{padding-top:4px}
  .grid3,.cards,.cards.c2{grid-template-columns:1fr}
  .calc-card{padding:26px 20px;box-shadow:5px 5px 0 var(--ink)}
  .result .amt{font-size:50px}
  .pc-card{padding:28px 22px 22px}
  .rate-card,.theme{padding:26px 22px}.rate-num{font-size:68px}
  .final{padding:60px 0}
  .ahero{padding:38px 0 44px}.ahero .lede{font-size:17px}
  .abody{padding:36px 0 56px}
  .answer{padding:20px;box-shadow:4px 4px 0 var(--ink)}.answer p{font-size:16.5px}
  .midcta{padding:24px 22px}.midcta .btn{width:100%}
  .prose table.t{font-size:14px}.prose table.t th,.prose table.t td{padding:10px 12px}
  .fig{padding:18px 16px}.hbar{grid-template-columns:68px 1fr 48px;gap:8px;font-size:13px}.split-card{padding:28px 22px}.split-card h3{font-size:30px}
  .formbox{padding:20px 16px;box-shadow:5px 5px 0 var(--ink)}
  .fgrid{grid-template-columns:1fr 1fr;gap:30px 20px}
  .fbot{flex-direction:column}.fbot a{margin:0 16px 0 0}
  .cookie{bottom:88px}
  .sticky{display:block;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:11px 16px calc(11px + env(safe-area-inset-bottom,0px));background:rgba(246,242,231,.96);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-top:1px solid var(--ink)}
  .sticky-in{display:flex;align-items:center;justify-content:space-between;gap:12px}
  .sticky b{display:block;font-family:var(--serif);font-weight:400;font-size:21px;line-height:1.05}
  .sticky small{display:block;font-size:11.5px;color:var(--muted);margin-top:2px}
  body.menu-open .sticky{display:none}
}
@media (max-width:380px){.logo-sub{font-size:8.5px;letter-spacing:.04em;white-space:nowrap}.wrap{padding:0 16px}.hero h1{font-size:42px}.seg{grid-template-columns:repeat(3,1fr)}.sticky b{font-size:18px}}
body.menu-open [id^="_lg"]{display:none!important}
body.menu-open .cookie{display:none}
.logo-sub{white-space:nowrap}