/* ExperianLoansUSA — Warm Editorial (Design 1)
   Cream paper + terracotta + Fraunces serif + Inter sans */
:root{
  /* Warm editorial palette */
  --paper:#F5F1EA;
  --paper-2:#EBE4D5;
  --paper-3:#E0D6BF;
  --ink:#1F1B16;
  --ink-2:#3A3229;
  --mute:#6B635A;
  --rust:#B85B3E;
  --rust-d:#8F3F26;
  --olive:#5F6B3A;
  --line:#D4CBB8;
  --line-2:#C1B49A;
  --white:#fff;
  /* Legacy aliases so any legacy rule that still references old names keeps working */
  --ever:#1F1B16;
  --ever-2:#8F3F26;
  --sage:#5F6B3A;
  --sage-soft:#EBE4D5;
  --amber:#B85B3E;
  --amber-dark:#8F3F26;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.65 Inter,"Segoe UI",system-ui,sans-serif;font-feature-settings:"ss01"}
img,svg{max-width:100%;display:block}
a{color:var(--rust-d);text-underline-offset:3px}
a:hover{color:var(--ink)}
:focus-visible{outline:2px solid var(--rust);outline-offset:3px}
.wrap{width:min(1180px,100% - 40px);margin-inline:auto}
.skip{position:absolute;left:-999px}
.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:9;border-radius:4px}

/* Typography — Fraunces display, Inter body */
h1,h2,h3,h4{font-family:Fraunces,Georgia,serif;font-weight:500;line-height:1.1;color:var(--ink);letter-spacing:-.015em}
h1{font-size:clamp(2.2rem,4.8vw,3.6rem);margin:.2em 0 .4em}
h1 em{font-style:italic;color:var(--rust-d);font-weight:400}
h2{font-size:clamp(1.6rem,2.9vw,2.2rem);margin:1.8em 0 .5em}
h2 em{font-style:italic;color:var(--rust-d);font-weight:400}
h3{font-size:1.3rem;font-weight:600;margin:1.4em 0 .4em}
h4{font-size:1.05rem;font-weight:600}
p,li{max-width:72ch}

/* Independence strip (top) */
.indie{max-width:none;margin:0;background:var(--ink);color:var(--paper-2);font-size:.82rem;padding:8px 0;letter-spacing:.02em}
.indie em{font-style:italic;color:#E8B896;font-family:Fraunces,serif;font-weight:400}
.indie a{color:var(--paper-2);text-decoration:underline;text-decoration-color:rgba(245,241,234,.4)}
.indie a:hover{color:#fff;text-decoration-color:#fff}
.indie .wrap{display:block}

/* Header */
.site-head{background:var(--paper);border-bottom:1px solid var(--line)}
.head-row{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:20px 0}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font:500 1.45rem/1 Fraunces,Georgia,serif;letter-spacing:-.015em}
.logo em{font-style:italic;color:var(--rust-d);font-weight:400}
.nav{display:flex;align-items:center;gap:26px;font-size:.95rem}
.nav a{text-decoration:none;color:var(--ink);font-weight:500;padding:6px 0;position:relative}
.nav a:hover{color:var(--rust-d)}
.nav a[aria-current]{color:var(--rust-d)}
.nav a[aria-current]::after{content:"";position:absolute;left:0;right:0;bottom:0;height:1.5px;background:var(--rust)}
.nav a.btn{color:var(--paper);padding:9px 18px}
.nav a.btn:hover{color:var(--paper)}
.menu-btn{display:none;background:none;border:1px solid var(--line-2);border-radius:6px;padding:8px 14px;font:inherit;color:var(--ink);cursor:pointer}

/* Buttons */
.btn{display:inline-block;background:var(--ink);color:var(--paper);font:600 .95rem/1 Inter,sans-serif;text-decoration:none;padding:13px 26px;border-radius:999px;border:0;cursor:pointer;transition:background .15s}
.btn:hover{background:var(--rust-d);color:var(--paper)}
.btn-sm{padding:9px 18px;font-size:.88rem}
.btn-block{display:block;text-align:center}
.btn-ghost{background:transparent;border:1.5px solid var(--ink);color:var(--ink);padding:11.5px 24.5px}
.btn-ghost:hover{background:var(--ink);color:var(--paper)}

/* Breadcrumbs */
.crumbs{font-size:.85rem;color:var(--mute);padding:18px 0 0;font-family:Fraunces,serif;font-style:italic}
.crumbs a{color:var(--mute);text-decoration:none}
.crumbs a:hover{color:var(--rust-d);text-decoration:underline}

/* Hero — Split Classic (photo right, text left, trust row bottom) */
.hero{background:var(--paper);border-bottom:1px solid var(--line);padding:56px 0 72px}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;min-height:520px}
.hero-copy{padding:0}
.hero-eyebrow{font-family:Inter,sans-serif;font-size:.78rem;letter-spacing:.24em;text-transform:uppercase;color:var(--rust-d);font-weight:600;margin:0 0 22px;display:block}
.hero h1{color:var(--ink);margin:0 0 24px;max-width:16ch;font-size:clamp(2.4rem,5vw,4rem)}
.hero .lede{color:var(--mute);font-size:1.1rem;max-width:44ch;margin:0 0 32px;line-height:1.55;font-family:Inter,sans-serif;font-style:normal}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:40px}

/* Trust row (avatars + rating) */
.trust-row{display:flex;align-items:center;gap:16px}
.avatars{display:flex}
.avatar{width:44px;height:44px;border-radius:50%;border:3px solid var(--paper);margin-left:-14px;background-size:cover;background-position:center}
.avatar:first-child{margin-left:0}
.avatar.a1{background:linear-gradient(135deg,#D8B896,#A87858)}
.avatar.a2{background:linear-gradient(135deg,#C7A78E,#8F6E52)}
.avatar.a3{background:linear-gradient(135deg,#B89886,#7A5A48)}
.trust-text{line-height:1.4}
.trust-text .top{font-weight:600;font-size:.95rem;color:var(--ink);margin:0;max-width:none}
.trust-text .btm{font-size:.85rem;color:var(--mute);display:flex;align-items:center;gap:6px;margin:0;max-width:none}
.trust-text .btm .stars{color:var(--rust);letter-spacing:1px}
.trust-text .btm b{color:var(--ink);font-weight:600}

/* Hero photo panel — feathered edges fade softly into the paper background */
.hero-photo{position:relative;aspect-ratio:4/5}
.hero-photo::before{content:"";position:absolute;inset:0;background:url('images/hero.jpg') center/cover no-repeat;-webkit-mask-image:radial-gradient(ellipse 70% 78% at center,#000 15%,rgba(0,0,0,.85) 40%,transparent 95%);mask-image:radial-gradient(ellipse 70% 78% at center,#000 15%,rgba(0,0,0,.85) 40%,transparent 95%)}
.mug-badge{position:absolute;bottom:32px;left:32px;background:#fff;padding:10px 16px;border-radius:8px;font:500 .8rem Fraunces,serif;font-style:italic;color:var(--ink);box-shadow:0 6px 20px rgba(31,27,22,.2);z-index:2}
.mug-badge b{display:block;font-family:Inter,sans-serif;font-style:normal;font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;color:var(--rust-d);font-weight:600;margin-bottom:2px}

/* Calc section (moved below hero) */
.calc-section{padding:56px 0 30px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.calc-copy .hero-eyebrow{margin-bottom:18px}
.calc-copy h2{margin:0 0 18px;max-width:18ch}
.calc-copy h2 em{font-style:italic;color:var(--rust-d);font-weight:400}
.calc-copy p{color:var(--mute);font-size:1.05rem;max-width:46ch;line-height:1.6}

/* Legacy hero .checks list (kept for backward compat) */
.hero .checks{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:10px}
.hero .checks li{padding-left:28px;position:relative;color:var(--ink-2)}
.hero .checks li::before{content:"";position:absolute;left:0;top:.45em;width:14px;height:8px;border-left:2px solid var(--rust);border-bottom:2px solid var(--rust);transform:rotate(-45deg)}

/* Calculator card */
.calc{background:#fff;color:var(--ink);border-radius:14px;padding:32px;box-shadow:0 30px 60px -20px rgba(31,27,22,.18);border:1px solid var(--line)}
.calc-eyebrow{font-family:Fraunces,serif;font-style:italic;font-size:.95rem;color:var(--rust-d);margin:0 0 6px}
.calc-title{margin:0 0 10px;font-size:1.05rem;color:var(--mute);font-family:Inter,sans-serif;font-weight:500;letter-spacing:.02em}
.amt-label{display:block;font:500 clamp(3rem,6.6vw,4.4rem)/1 Fraunces,Georgia,serif;color:var(--ink);margin-bottom:16px;letter-spacing:-.02em}
input[type=range]{--p:27%;width:100%;appearance:none;-webkit-appearance:none;height:6px;border-radius:6px;background:linear-gradient(90deg,var(--rust) var(--p),var(--paper-2) var(--p));cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--rust);box-shadow:0 2px 6px rgba(31,27,22,.25);cursor:pointer}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:3px solid var(--rust);cursor:pointer}
.range-ends{display:flex;justify-content:space-between;font-size:.78rem;color:var(--mute);margin:6px 0 20px}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc-row label{font-size:.82rem;color:var(--mute);display:grid;gap:5px;letter-spacing:.02em}
select{font:inherit;padding:10px 12px;border:1px solid var(--line);border-radius:6px;background:#fff;color:var(--ink);font-size:.92rem}
.pay{margin:22px 0 6px;padding:18px 0;border-top:1px solid var(--line);font-size:1rem;color:var(--mute)}
.pay strong{font:500 1.6rem/1 Fraunces,serif;color:var(--ink);display:inline-block;margin-right:2px}
.pay span{font-family:Fraunces,serif;font-style:italic;color:var(--ink-2)}
.fine{font-size:.78rem;color:var(--mute);margin:14px 0 0;text-align:center;line-height:1.5}

/* Content sections */
.section{padding:34px 0 12px}
.lede{font-size:1.2rem;color:var(--mute);font-family:Fraunces,serif;font-style:italic;line-height:1.55;max-width:60ch}
.byline{font-size:.85rem;color:var(--mute);border-left:2px solid var(--rust);padding:8px 0 8px 16px;font-family:Fraunces,serif;font-style:italic;background:transparent}
.byline span{margin-right:6px}
.byline a{color:var(--rust-d)}
.article{width:min(760px,100% - 40px);margin:0 auto;padding:16px 0 50px}
.article p,.article li{font-size:1.05rem;line-height:1.7}
.article h2{margin-top:1.9em}
.split{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:40px;margin:18px 0}
.service{border-top:2px solid var(--rust);padding-top:16px}
.service h3{margin-top:.2em;color:var(--ink)}
.service a.more{font-weight:600;text-decoration:none;color:var(--rust-d);border-bottom:1px solid var(--rust)}
.service a.more:hover{color:var(--ink);border-color:var(--ink)}

/* Steps */
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:26px;margin:24px 0}
.steps li{counter-increment:s;padding-left:72px;position:relative;max-width:none;min-height:52px}
.steps li::before{content:"0" counter(s);position:absolute;left:0;top:-4px;font:400 2rem/1 Fraunces,serif;font-style:italic;color:var(--rust);letter-spacing:-.02em}
.steps strong{display:block;font-size:1.1rem;color:var(--ink);font-family:Fraunces,serif;font-weight:600;margin-bottom:4px}

/* Notes / expert callouts */
.note{background:#fff;border:1px solid var(--line);border-left:3px solid var(--rust);border-radius:6px;padding:18px 24px;margin:26px 0}
.note h3{margin-top:0;font-size:1.1rem;color:var(--ink);font-family:Fraunces,serif}
.expert{background:var(--paper-2);border-radius:12px;padding:24px 28px;margin:30px 0;border:1px solid var(--line)}
.expert h3{margin-top:0;font-family:Fraunces,serif;color:var(--ink)}
.expert h3 em,.expert em{font-style:italic;color:var(--rust-d)}

/* Tables */
.table-wrap{overflow-x:auto;margin:20px 0;border-radius:8px;border:1px solid var(--line);background:#fff}
table{border-collapse:collapse;width:100%;min-width:520px;background:#fff;font-size:.95rem}
th,td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--paper-2);color:var(--ink);font:600 .8rem/1.4 Inter,sans-serif;letter-spacing:.06em;text-transform:uppercase}
tr:last-child td{border-bottom:0}
tbody tr:hover{background:var(--paper)}

/* FAQ */
.faq details{border-bottom:1px solid var(--line);padding:2px 0}
.faq summary{cursor:pointer;font-weight:600;padding:16px 0;color:var(--ink);list-style:none;font-family:Fraunces,serif;font-size:1.08rem;font-weight:500}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;font-size:1.4rem;color:var(--rust-d);font-family:Inter,sans-serif;font-weight:400;line-height:1;margin-left:16px;transition:transform .2s}
.faq details[open] summary::after{content:"\2212"}
.faq p{margin:0 0 16px;color:var(--ink-2);padding-right:36px}

/* Bands & CTA */
.band{background:var(--paper-2);border-block:1px solid var(--line);padding:20px 0 40px;margin-top:44px}
.cta-band{background:var(--ink);color:var(--paper);border-radius:14px;padding:38px;margin:48px 0;display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:22px}
.cta-band h2{color:#fff;margin:0 0 6px}
.cta-band h2 em{color:#E8B896;font-style:italic}
.cta-band p{margin:0;color:#CFC5B3;max-width:56ch}
.cta-band .btn{background:var(--rust);color:#fff}
.cta-band .btn:hover{background:var(--paper);color:var(--ink)}

/* Pros / cons */
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.pros-cons>div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:8px 22px 18px}
.pros-cons h3{color:var(--ink);font-family:Fraunces,serif}
.pros-cons ul{margin:0;padding-left:20px}
.pros-cons li{margin:6px 0}

/* Score / review */
.score{display:flex;align-items:baseline;gap:12px;font-family:Fraunces,serif;color:var(--ink)}
.score b{font-size:3.6rem;font-weight:500;color:var(--rust-d);font-style:italic}

/* Guides listing */
.guide-list{list-style:none;padding:0;display:grid;gap:30px}
.guide-list li{border-bottom:1px solid var(--line);padding-bottom:24px;max-width:none}
.guide-list h2{margin:0 0 8px;font-size:1.5rem;font-family:Fraunces,serif}
.guide-list h2 a{text-decoration:none;color:var(--ink)}
.guide-list h2 a:hover{color:var(--rust-d)}

/* Lead form placeholder shell */
.form-shell{background:#fff;border:1px dashed var(--line-2);border-radius:12px;padding:28px;margin:26px 0}

/* Context / per-page SEO footer */
.context{display:grid;grid-template-columns:2fr 1fr;gap:44px;border-top:1px solid var(--line);margin-top:56px;padding:38px 0}
.context h2{margin-top:0;font-size:1.5rem;font-family:Fraunces,serif}
.context h2 em{font-style:italic;color:var(--rust-d);font-weight:400}
.context h3{margin:20px 0 8px;font-size:1.05rem;color:var(--ink);font-family:Fraunces,serif;font-weight:600}
.context p{margin:0 0 14px;color:var(--ink-2)}
.context ul{margin:0;padding-left:18px}
.context .rel-box{background:var(--paper-2);border-radius:10px;padding:20px 24px;border:1px solid var(--line)}
.context .rel-box h3{margin-top:0;font-family:Fraunces,serif;color:var(--ink)}
.context .rel-box ul{padding-left:16px}
.context .rel-box li{margin:6px 0}
.context .kw-cluster{margin-top:16px;font-size:.85rem;color:var(--mute);font-family:Fraunces,serif;font-style:italic}
.context .kw-cluster a{color:var(--mute);margin-right:6px;text-decoration:underline;text-decoration-color:var(--line-2)}
.context .kw-cluster a:hover{color:var(--rust-d);text-decoration-color:var(--rust-d)}

/* Footer */
.site-foot{background:var(--ink);color:#B8AF9E;font-size:.92rem;padding:56px 0 30px;margin-top:60px}
.site-foot a{color:#EDE5D1;text-decoration:none}
.site-foot a:hover{color:var(--rust)}
.site-foot h3{color:#fff;font-family:Inter,sans-serif;font-size:.78rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;margin:0 0 14px}
.site-foot ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.site-foot p{color:#B8AF9E}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:34px}
.foot-brand{font:500 1.4rem Fraunces,serif;color:#fff;margin:0 0 12px;letter-spacing:-.015em}
.foot-brand em{color:#E8B896;font-style:italic;font-weight:400}
.legal{border-top:1px solid #3A342D;margin-top:36px;padding-top:22px;font-size:.78rem;color:#8B8375}
.legal p{max-width:none;margin:0 0 10px}
.legal a{color:#B8AF9E;text-decoration:underline}
.legal a:hover{color:#fff}

@media (max-width:900px){
 .hero{padding:40px 0 50px}
 .hero-grid{grid-template-columns:1fr;gap:40px;min-height:auto}
 .hero-photo{aspect-ratio:4/3;order:-1}
 .calc-grid{grid-template-columns:1fr;gap:36px}
 .foot-grid{grid-template-columns:1fr 1fr}
 .context,.pros-cons{grid-template-columns:1fr}
 .menu-btn{display:block}
 .nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:20px 20px;border-bottom:1px solid var(--line);z-index:5;gap:16px}
 .nav.open{display:flex}
 .cta-band{padding:28px;flex-direction:column;align-items:flex-start}
}
@media (max-width:520px){
 .foot-grid{grid-template-columns:1fr}
 .calc-row{grid-template-columns:1fr}
 .calc{padding:24px}
 .steps li{padding-left:56px}
 .steps li::before{font-size:1.6rem}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}

/* Lead-form section — living-room bg image + text-left / form-right split */
.form-section{position:relative;padding:80px 0;background:linear-gradient(90deg,rgba(245,241,234,.94) 0%,rgba(245,241,234,.72) 42%,rgba(245,241,234,.35) 65%,rgba(31,27,22,.28) 100%),url('images/form-bg.jpg') center/cover no-repeat;border-block:1px solid var(--line);scroll-margin-top:24px;overflow:hidden}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.form-head{max-width:none;margin:0;text-align:left}
.form-head .hero-eyebrow{margin-bottom:20px}
.form-head h2{margin:0 0 18px;max-width:18ch;font-size:clamp(2rem,3.6vw,2.8rem)}
.form-head h2 em{font-style:italic;color:var(--rust-d);font-weight:400}
.form-head p{color:var(--ink-2);margin:0 0 22px;max-width:44ch;font-size:1.05rem;line-height:1.6}
.form-head .trust-mini{display:flex;align-items:center;gap:10px;font-size:.9rem;color:var(--ink-2);margin:0}
.form-head .trust-mini .stars{color:var(--rust);letter-spacing:1px}
.form-head .trust-mini b{color:var(--ink);font-weight:600}
.form-embed{background:#fff;border-radius:14px;padding:32px;max-width:520px;margin:0;box-shadow:0 30px 60px -20px rgba(31,27,22,.32),0 8px 20px -8px rgba(31,27,22,.15);border:1px solid var(--line);min-height:340px}
.form-embed #_lg_form_{width:100%}
@media (max-width:900px){.form-section{padding:52px 0;background:linear-gradient(180deg,rgba(245,241,234,.96) 0%,rgba(245,241,234,.85) 100%),url('images/form-bg.jpg') center/cover no-repeat}.form-grid{grid-template-columns:1fr;gap:32px}.form-embed{padding:24px;max-width:none}.form-head h2{max-width:none}}

/* Hero factual trust checks, eligibility list, topic links */
.trust-checks{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.trust-checks li{padding-left:28px;position:relative;color:var(--ink-2);font-size:.98rem}
.trust-checks li::before{content:"";position:absolute;left:0;top:.45em;width:14px;height:8px;border-left:2px solid var(--rust);border-bottom:2px solid var(--rust);transform:rotate(-45deg)}
.form-head .elig-title{font:600 .78rem/1 Inter,sans-serif;letter-spacing:.16em;text-transform:uppercase;color:var(--ink);margin:4px 0 12px}
.form-head .elig{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.form-head .elig li{padding-left:26px;position:relative;color:var(--ink-2);font-size:.95rem}
.form-head .elig li::before{content:"";position:absolute;left:0;top:.45em;width:13px;height:7px;border-left:2px solid var(--rust);border-bottom:2px solid var(--rust);transform:rotate(-45deg)}
.topic-links{font-size:.95rem;color:var(--mute);margin:18px 0 0;line-height:1.9}
.topic-links b{color:var(--ink);font-weight:600;margin-right:4px}

/* Services — bento grid (homepage) */
.services{margin:64px 0 12px}
.services h2{margin:0}
.services h2 em{font-style:italic;color:var(--rust-d);font-weight:400}
.svc-top{display:flex;justify-content:space-between;align-items:flex-end;gap:30px;margin-bottom:34px}
.svc-top .hero-eyebrow{max-width:none}
.svc-side{max-width:40ch;color:var(--mute);margin:0}
.bento{display:grid;grid-template-columns:repeat(4,1fr);grid-auto-rows:minmax(200px,auto);gap:18px}
.bx{display:flex;flex-direction:column;border-radius:16px;padding:26px;text-decoration:none;color:var(--ink);background:#fff;border:1px solid var(--line);transition:transform .2s,box-shadow .2s}
.bx:hover{transform:translateY(-3px);box-shadow:0 22px 40px -22px rgba(31,27,22,.3);color:var(--ink)}
.bx .tag{align-self:flex-start;font:600 .7rem Inter,sans-serif;letter-spacing:.12em;text-transform:uppercase;padding:5px 10px;border-radius:999px;background:var(--paper-2);color:var(--rust-d);margin-bottom:auto}
.bx h3{margin:26px 0 8px;font-size:1.3rem}
.bx p{color:var(--mute);font-size:.94rem;margin:0 0 16px;max-width:none}
.bx .more{font-weight:600;font-size:.88rem;color:var(--rust-d)}
.b0{grid-column:span 2;grid-row:span 2;background:var(--ink);border-color:var(--ink);color:var(--paper);padding:36px}
.b0:hover{color:var(--paper)}
.b0 h3{color:#fff;font-size:2.2rem;margin-top:auto}
.b0 p{color:#CFC5B3;font-size:1.05rem;max-width:40ch}
.b0 .tag{background:var(--rust);color:#fff}
.b0 .more{color:#E8B896}
.b1,.b2{grid-column:span 2}
.b5{background:var(--paper-2);grid-column:span 2}
.b5 .tag{background:#fff}
@media(max-width:900px){.bento{grid-template-columns:1fr 1fr}.b0{grid-column:span 2;grid-row:auto}.b1,.b2{grid-column:span 1}.b5{grid-column:span 2}.svc-top{flex-direction:column;align-items:flex-start}}
@media(max-width:560px){.bento{grid-template-columns:1fr}.b0,.b1,.b2,.b5{grid-column:auto}.b0 h3{font-size:1.8rem;margin-top:26px}}

/* Intro comparison section (homepage) */
.intro-cmp{padding:40px 0 8px}
.ic-head{max-width:780px;margin:0 auto 44px;text-align:center}
.ic-head .hero-eyebrow{max-width:none}
.ic-head h2{margin:0 0 18px;font-size:clamp(2rem,3.6vw,2.8rem)}
.ic-head h2 em{font-style:italic;color:var(--rust-d);font-weight:400}
.ic-head .byline{display:inline-block;text-align:left;margin:0 0 22px}
.ic-lede{font-size:1.1rem;line-height:1.7;color:var(--ink-2);margin:0 auto;max-width:66ch}
.ic-cards{display:grid;grid-template-columns:1fr 1fr;gap:22px;max-width:980px;margin:0 auto}
.ic-card{border-radius:14px;padding:30px 32px;border:1px solid var(--line);background:#fff;display:flex;flex-direction:column}
.ic-card.us{background:var(--ink);color:var(--paper);border-color:var(--ink)}
.ic-card .k{font:600 .72rem Inter,sans-serif;letter-spacing:.16em;text-transform:uppercase;color:var(--mute);margin:0 0 8px}
.ic-card.us .k{color:#E8B896}
.ic-card h3{margin:0 0 18px;font-size:1.45rem}
.ic-card.us h3{color:#fff}
.ic-card ul{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.ic-card li{max-width:none;padding:0 0 12px;border-bottom:1px solid var(--line);font-size:.97rem;display:flex;justify-content:space-between;gap:16px}
.ic-card.us li{border-color:#3A342D;color:#EDE5D1}
.ic-card li:last-child{border:0;padding:0}
.ic-card li b{font-weight:600;text-align:right}
.ic-card .btn{margin-top:24px;align-self:flex-start;background:var(--rust);color:#fff}
.ic-card .btn:hover{background:var(--paper);color:var(--ink)}
.ic-foot{max-width:66ch;margin:36px auto 0;font-size:1.02rem;line-height:1.75;color:var(--ink-2);text-align:center}
@media(max-width:800px){.ic-cards{grid-template-columns:1fr}.ic-head,.ic-foot{text-align:left}.ic-card{padding:24px}}

/* Bento card with photo background */
.bx.has-img{position:relative;overflow:hidden;isolation:isolate}
.bx.has-img .bx-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 22%;z-index:-2;transition:transform .6s ease}
.bx.has-img::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(31,27,22,0) 25%,rgba(31,27,22,.55) 55%,rgba(31,27,22,.92) 100%)}
.bx.has-img:hover .bx-img{transform:scale(1.04)}
.bx.has-img p{color:#EDE5D1}
@media(max-width:900px){.b0.has-img{min-height:460px}}

/* Bento card with photo on the right side */
.bx.side-img{position:relative;overflow:hidden;padding-right:calc(40% + 26px)}
.bx.side-img .bx-side{position:absolute;top:0;right:0;bottom:0;width:40%;height:100%;object-fit:cover;object-position:center 45%;transition:transform .6s ease}
.bx.side-img:hover .bx-side{transform:scale(1.04)}
@media(max-width:900px){.bx.side-img{padding-right:26px}.bx.side-img .bx-side{position:static;width:calc(100% + 52px);height:190px;margin:-26px -26px 20px;max-width:none}}

.b2.side-img .bx-side{object-position:center 28%}

/* Bento card with photo across the top */
.bx.top-img{overflow:hidden}
.bx.top-img .bx-top{display:block;width:calc(100% + 52px);max-width:none;height:170px;margin:-26px -26px 20px;object-fit:cover;object-position:center 40%;transition:transform .6s ease}
.bx.top-img:hover .bx-top{transform:scale(1.04)}
.bx.top-img .tag{margin-bottom:0}
.bx.top-img h3{margin-top:14px}

.b4.top-img .bx-top{object-position:center 38%}

.b5.side-img .bx-side{object-position:65% 45%}
.b5.side-img .tag{margin-bottom:auto}

/* Rates and terms card — mini APR range chart */
.b5.side-img{padding-right:calc(30% + 26px)}
.b5.side-img .bx-side{width:30%}
.b5.side-img .tag{margin-bottom:0}
.b5 h3{margin-top:16px}
.b5 p{margin-bottom:14px}
.apr-mini{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px 10px;margin:0 0 16px}
.apr-mini .apr-h{font:600 .7rem Inter,sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--mute);margin:0 0 10px}
.apr-mini ul{list-style:none;padding:0;margin:0;display:grid;gap:9px}
.apr-mini li{display:grid;grid-template-columns:1fr auto;align-items:baseline;row-gap:5px;column-gap:10px;max-width:none;font-size:.84rem;color:var(--ink)}
.apr-l{font-weight:600;white-space:nowrap}
.apr-l small{font-weight:400;color:var(--mute);font-size:.74rem;margin-left:4px}
.apr-v{text-align:right;font:500 .9rem Fraunces,serif;color:var(--ink);white-space:nowrap}
.apr-track{grid-column:1/-1;grid-row:2;position:relative;height:7px;border-radius:7px;background:var(--paper-2)}
.apr-bar{position:absolute;top:0;bottom:0;border-radius:7px;background:linear-gradient(90deg,var(--rust),var(--rust-d))}
.apr-axis{display:flex;justify-content:space-between;margin:7px 0 0 !important;max-width:none;font-size:.66rem;color:var(--mute)}
.b5:hover .apr-bar{filter:brightness(1.08)}
@media(max-width:900px){.b5.side-img{padding-right:26px}.b5.side-img .bx-side{width:calc(100% + 52px)}}

/* How it works — split vertical timeline (homepage) */
.steps-split{padding:88px 0 24px;border-top:1px solid var(--line);margin-top:40px}
.ss-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:72px;align-items:start}
.ss-left{position:sticky;top:30px}
.ss-left .hero-eyebrow{max-width:none}
.ss-left h2{font-size:clamp(2rem,3.6vw,2.9rem);margin:0 0 18px}
.ss-left h2 em{font-style:italic;color:var(--rust-d);font-weight:400}
.ss-sub{color:var(--mute);font-size:1.05rem;margin:0 0 28px;max-width:38ch}
.ss-note{background:var(--paper-2);border-radius:14px;padding:22px 24px;margin-top:30px;border:1px solid var(--line)}
.ss-note b{display:block;font:500 1.05rem Fraunces,serif;margin-bottom:4px;color:var(--ink)}
.ss-note p{margin:0;color:var(--mute);font-size:.92rem}
.ss-more{margin:22px 0 0}.ss-more a{font-weight:600;color:var(--rust-d)}
.vt{list-style:none;padding:0;margin:0}
.vt li{display:grid;grid-template-columns:56px 1fr;gap:24px;padding:0 0 36px;max-width:none;position:relative}
.vt li:last-child{padding:0}
.vt li:not(:last-child)::after{content:"";position:absolute;left:27px;top:56px;bottom:0;width:2px;background:linear-gradient(var(--rust),var(--line))}
.vt-dot{width:56px;height:56px;border-radius:50%;background:#fff;border:2px solid var(--rust);color:var(--rust-d);display:grid;place-items:center;position:relative;z-index:1}
.vt-dot svg{width:24px;height:24px}
.vt li:last-child .vt-dot{background:var(--rust);color:#fff}
.vt-when{font:600 .7rem Inter,sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--rust-d);margin:6px 0 6px}
.vt h3{font-size:1.4rem;margin:0 0 8px}
.vt li div>p:last-child{color:var(--ink-2);margin:0;font-size:1rem;line-height:1.7}
@media(max-width:900px){.ss-grid{grid-template-columns:1fr;gap:44px}.ss-left{position:static}.steps-split{padding:60px 0}}
@media(max-width:520px){.vt li{grid-template-columns:44px 1fr;gap:16px}.vt-dot{width:44px;height:44px}.vt-dot svg{width:20px;height:20px}.vt li:not(:last-child)::after{left:21px;top:44px}.vt h3{font-size:1.2rem}}

/* What lenders look at — table + photo callout (homepage) */
.lenders-factors{margin:40px 0 10px}
.lf-top{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:end;margin-bottom:34px}
.lf-top .hero-eyebrow{max-width:none}
.lf-top h2{margin:0}.lf-top h2 em{font-style:italic;color:var(--rust-d);font-weight:400}
.lf-top>p{color:var(--mute);margin:0}
.lf-grid{display:grid;grid-template-columns:1fr 320px;gap:24px;align-items:stretch}
.lf-wrap{margin:0;border:0;background:transparent;border-radius:16px}
.lf-table{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;min-width:0}
.lf-table th{background:var(--ink);color:#EDE5D1;font:600 .72rem Inter,sans-serif;letter-spacing:.14em;text-transform:uppercase;text-align:left;padding:16px 20px}
.lf-table th:last-child{color:#E8B896}
.lf-table td{padding:20px;border-top:1px solid var(--line);border-bottom:0;vertical-align:middle;font-size:.95rem;color:var(--ink-2)}
.lf-table tbody tr:first-child td{border-top:0}
.lf-table tbody tr:hover{background:transparent}.lf-table tbody tr:hover td{background:#FCFAF6}
.lf-table td:first-child{white-space:nowrap}
.lf-table td:first-child b{font:600 1.05rem Fraunces,serif;color:var(--ink);vertical-align:middle}
.lf-ic{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:10px;background:#F4E4DA;color:var(--rust-d);margin-right:12px;vertical-align:middle}
.lf-ic svg{width:19px;height:19px}
.lf-tip{display:block;background:var(--paper);border-left:3px solid var(--rust);border-radius:0 8px 8px 0;padding:10px 12px;color:var(--ink)}
.lf-photo{position:relative;border-radius:16px;overflow:hidden;min-height:460px;display:flex;background:radial-gradient(ellipse at 30% 25%,rgba(255,240,220,.7),transparent 55%),linear-gradient(155deg,#E8DCC5,#C7A78E 60%,#A98466)}
.lf-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;max-width:none}
.lf-ov{position:relative;margin-top:auto;width:100%;background:linear-gradient(180deg,transparent,rgba(31,27,22,.92) 30%);color:#fff;padding:60px 24px 24px}
.lf-ov .k{font:600 .68rem Inter,sans-serif;letter-spacing:.16em;text-transform:uppercase;color:#E8B896;margin:0 0 6px}
.lf-ov .big{font:500 3.4rem/1 Fraunces,serif;margin:0 0 8px;color:#fff}
.lf-ov .big em{font-size:.55em;font-style:italic;font-weight:400}
.lf-ov .t{color:#EDE5D1;font-size:.9rem;margin:0}
@media(max-width:1000px){.lf-grid{grid-template-columns:1fr}.lf-top{grid-template-columns:1fr;gap:14px}.lf-photo{min-height:560px}.lf-img{object-position:center 50%}}
@media(max-width:560px){.lf-photo{min-height:520px}.lf-ov{padding:70px 20px 20px}}
@media(max-width:700px){.lf-wrap{overflow:visible}.lf-table thead{display:none}.lf-table,.lf-table tbody,.lf-table tr,.lf-table td{display:block;width:100%}.lf-table td{border-top:0;padding:8px 18px}.lf-table tr{border-top:1px solid var(--line);padding:12px 0}.lf-table tbody tr:first-child{border-top:0}}

/* The Experian loans guide — zigzag with photos (homepage) */
.guide{margin:70px 0 30px}
.g-intro{max-width:760px;margin:0 0 20px}
.g-intro .hero-eyebrow{max-width:none}
.g-big{font:400 clamp(2rem,3.6vw,2.8rem)/1.1 Fraunces,serif;letter-spacing:-.02em;color:var(--ink);margin:0 0 12px;max-width:none}
.g-big em{font-style:italic;color:var(--rust-d)}
.g-sub{color:var(--mute);margin:0}
.gz{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:center;padding:40px 0;border-top:1px solid var(--line)}
.gz.rev{grid-template-columns:1.15fr .85fr}.gz.rev .gz-ph{order:2}
.gz-ph{position:relative;border-radius:18px;min-height:340px;overflow:hidden;background:radial-gradient(ellipse at 30% 25%,rgba(255,240,220,.7),transparent 55%),linear-gradient(155deg,#E8DCC5,#C7A78E 60%,#A98466)}
.gz-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;max-width:none;transition:transform .6s ease}
.gz:hover .gz-img{transform:scale(1.03)}
.gz-kb{position:absolute;left:18px;bottom:18px;background:#fff;border-radius:12px;padding:12px 16px;box-shadow:0 12px 30px -12px rgba(31,27,22,.35)}
.gz-kb b{display:block;font:500 1.5rem/1 Fraunces,serif;color:var(--rust-d)}
.gz-kb span{font-size:.78rem;color:var(--mute)}
.gz-tag{display:flex;align-items:center;gap:10px;font:600 .72rem Inter,sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--rust-d);margin:0 0 12px}
.gz-ic{width:34px;height:34px;border-radius:10px;background:#F4E4DA;display:grid;place-items:center}
.gz-ic svg{width:18px;height:18px}
.gz h2{font-size:clamp(1.6rem,2.6vw,2.1rem);margin:0 0 14px}
.gz-tx>p:not(.gz-tag){color:var(--ink-2);font-size:1rem;line-height:1.72;margin:0 0 12px;max-width:56ch}
.gz-link a{font-weight:600;color:var(--rust-d)}
.g-cmp{background:var(--ink);color:var(--paper);border-radius:20px;padding:40px 44px;margin-top:40px}
.g-cmp .k,.g-trust .k{font:600 .7rem Inter,sans-serif;letter-spacing:.16em;text-transform:uppercase;margin:0 0 8px}
.g-cmp .k{color:#E8B896}.g-trust .k{color:var(--rust-d)}
.g-cmp h2{color:#fff;font-size:clamp(1.6rem,2.8vw,2.1rem);margin:0 0 26px}
.g-cmp ol{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(5,1fr);gap:18px;counter-reset:c}
.g-cmp li{max-width:none;counter-increment:c;border-top:2px solid var(--rust);padding-top:14px}
.g-cmp li::before{content:"0" counter(c);display:block;font:italic 400 1.4rem Fraunces,serif;color:#E8B896;margin-bottom:8px}
.g-cmp li b{display:block;color:#fff;font:500 1.02rem/1.3 Fraunces,serif;margin-bottom:6px}
.g-cmp li span{color:#CFC5B3;font-size:.88rem;line-height:1.55;display:block}
.g-trust{margin-top:24px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px 40px;display:grid;grid-template-columns:1.3fr 1fr;gap:40px}
.g-trust h2{font-size:clamp(1.5rem,2.6vw,1.9rem);margin:0 0 14px}
.g-trust p{color:var(--ink-2);font-size:.97rem;line-height:1.7;margin:0 0 12px}
.g-laws{list-style:none;padding:0;margin:0;display:grid;gap:10px;align-content:start}
.g-laws li{max-width:none;display:grid;grid-template-columns:64px 1fr;gap:12px;align-items:center;background:var(--paper);border-radius:10px;padding:12px 14px}
.g-laws b{font:600 .8rem Inter,sans-serif;letter-spacing:.08em;color:#fff;background:var(--rust);border-radius:6px;text-align:center;padding:5px 0}
.g-laws span{font-size:.88rem;color:var(--ink)}
@media(max-width:1000px){.g-cmp ol{grid-template-columns:1fr 1fr}.g-trust{grid-template-columns:1fr}.g-cmp,.g-trust{padding:30px 26px}}
@media(max-width:900px){.gz,.gz.rev{grid-template-columns:1fr;gap:24px}.gz.rev .gz-ph{order:0}.gz-ph{min-height:260px}}
@media(max-width:560px){.g-cmp ol{grid-template-columns:1fr}}

#guide-personal .gz-img{object-position:center 30%}

@media(max-width:560px){.gz-ph{min-height:320px}.gz-kb{left:12px;bottom:12px;padding:8px 12px;border-radius:10px}.gz-kb b{font-size:1.15rem}.gz-kb span{font-size:.7rem}}

#guide-consolidation .gz-img{object-position:center 58%}

#guide-bad-credit .gz-img{object-position:64% 30%}

#guide-boost .gz-img{object-position:center 52%}

#guide-auto .gz-img{object-position:center 58%}

/* Availability & protections — state vs federal (homepage) */
.g-protect{margin-top:56px}
.pt-top{max-width:780px;margin-bottom:28px}
.pt-top .hero-eyebrow{max-width:none}
.pt-top h2{font-size:clamp(1.8rem,3vw,2.4rem);margin:0 0 14px}
.pt-top h2 em{font-style:italic;color:var(--rust-d);font-weight:400}
.pt-top p:not(.hero-eyebrow){color:var(--ink-2);line-height:1.7;margin:0 0 10px}
.pt-two{display:grid;grid-template-columns:1fr 1.2fr;gap:20px}
.pt-c{border-radius:18px;padding:30px}
.pt-s{background:var(--paper-2);border:1px solid var(--line)}
.pt-f{background:var(--ink);color:var(--paper)}
.pt-c .k{display:flex;align-items:center;gap:10px;font:600 .7rem Inter,sans-serif;letter-spacing:.16em;text-transform:uppercase;margin:0 0 6px}
.pt-s .k{color:var(--rust-d)}.pt-f .k{color:#E8B896}
.pt-c .k svg{width:20px;height:20px}
.pt-c h3{font-size:1.35rem;margin:0 0 18px}.pt-f h3{color:#fff}
.pt-c ul{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.pt-c li{max-width:none;display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:start}
.pt-dot{width:10px;height:10px;border-radius:50%;background:var(--rust);margin-top:8px}
.pt-c li div b{display:block;font:500 1rem Fraunces,serif;color:var(--ink)}
.pt-c li div span{font-size:.88rem;color:var(--mute)}
.pt-f li div b{color:#fff}.pt-f li div span{color:#A89E8C}
.pt-ac{font:600 .72rem Inter,sans-serif;letter-spacing:.08em;background:var(--rust);color:#fff;border-radius:6px;padding:5px 0;width:52px;text-align:center;margin-top:2px}
.pt-cfpb{margin-top:20px;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 24px}
.pt-cfpb p{margin:0;color:var(--ink-2)}.pt-cfpb b{color:var(--ink)}
@media(max-width:900px){.pt-two{grid-template-columns:1fr}.pt-c{padding:24px}}

/* Protections section — vintage map background */
.g-protect{position:relative;padding:48px 48px 44px;border-radius:24px;overflow:hidden;border:1px solid var(--line);
 background:linear-gradient(100deg,rgba(245,241,234,.92) 0%,rgba(245,241,234,.8) 45%,rgba(245,241,234,.55) 100%),url('images/protections-map.jpg') center/cover no-repeat}
.g-protect .pt-s{background:rgba(235,228,213,.88);backdrop-filter:blur(2px)}
.g-protect .pt-cfpb{background:rgba(255,255,255,.92)}
@media(max-width:900px){.g-protect{padding:30px 20px;background:linear-gradient(180deg,rgba(245,241,234,.94),rgba(245,241,234,.88)),url('images/protections-map.jpg') center/cover no-repeat}}

.gz-link2{display:inline-block;margin-left:18px;color:var(--mute) !important;font-weight:500 !important}
@media(max-width:560px){.gz-link2{display:block;margin:10px 0 0}}

/* Expert advice framing */
.gz-tip{background:#fff;border:1px solid var(--line);border-left:3px solid var(--rust);border-radius:0 12px 12px 0;padding:12px 16px;color:var(--ink) !important;font-size:.96rem !important;line-height:1.6 !important}
.gz-tip b{display:block;font:600 .68rem Inter,sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--rust-d);margin-bottom:4px}
.g-expert{display:inline-flex;align-items:center;gap:12px;margin-top:18px;padding:8px 18px 8px 8px;background:#fff;border:1px solid var(--line);border-radius:999px;text-decoration:none;color:var(--ink)}
.g-expert:hover{border-color:var(--rust);color:var(--ink)}
.g-av{width:42px;height:42px;border-radius:50%;background:var(--ink);color:#E8B896;display:grid;place-items:center;font:500 .95rem Fraunces,serif}
.g-expert b{display:block;font:500 .98rem Fraunces,serif}.g-expert small{font-size:.78rem;color:var(--mute)}
/* Why borrowers choose us */
.why-choose,.reviews{margin:64px 0 10px}
.wc-top{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:end;margin-bottom:28px}
.wc-top .hero-eyebrow{max-width:none}
.wc-top h2{margin:0;font-size:clamp(1.8rem,3vw,2.4rem)}.wc-top h2 em{font-style:italic;color:var(--rust-d);font-weight:400}
.wc-top>p{color:var(--mute);margin:0}
.wc-grid{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.wc-grid li{max-width:none;background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 24px;transition:.2s}
.wc-grid li:hover{border-color:var(--rust);transform:translateY(-3px);box-shadow:0 20px 40px -24px rgba(31,27,22,.3)}
.wc-n{display:block;font:500 2.2rem/1 Fraunces,serif;color:var(--rust-d);margin-bottom:14px;letter-spacing:-.02em}
.wc-grid h3{font-size:1.1rem;margin:0 0 8px}.wc-grid p{margin:0;color:var(--mute);font-size:.92rem;line-height:1.6}
.wc-cta{display:flex;align-items:center;gap:16px;margin:26px 0 0;flex-wrap:wrap}.wc-cta span{color:var(--mute);font-size:.88rem}
/* Reviews (renders only with real reviews) */
.rv-grid{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.rv-card{max-width:none;background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;display:flex;flex-direction:column}
.rv-stars{display:flex;gap:3px;margin-bottom:14px}.rv-stars i{width:22px;height:22px;background:#DCD3C2;clip-path:polygon(50% 0,61% 35%,98% 35%,68% 57%,79% 91%,50% 70%,21% 91%,32% 57%,2% 35%,39% 35%)}.rv-stars i.on{background:var(--rust)}
.rv-card h3{font-size:1.1rem;margin:0 0 8px}.rv-card p{color:var(--ink-2);font-size:.95rem;line-height:1.65;margin:0 0 18px;flex:1}
.rv-by{display:flex;align-items:center;gap:12px;padding-top:14px;border-top:1px solid var(--line);flex-wrap:wrap}
.rv-av{width:38px;height:38px;border-radius:50%;background:#F4E4DA;color:var(--rust-d);display:grid;place-items:center;font:600 .82rem Inter,sans-serif}
.rv-by b{display:block;font-size:.92rem}.rv-by small{font-size:.78rem;color:var(--mute)}
.rv-ver{margin-left:auto;font:600 .66rem Inter,sans-serif;letter-spacing:.1em;text-transform:uppercase;color:var(--olive);border:1px solid var(--olive);border-radius:999px;padding:4px 8px}
@media(max-width:1000px){.wc-grid{grid-template-columns:1fr 1fr}.wc-top{grid-template-columns:1fr;gap:12px}.rv-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.wc-grid,.rv-grid{grid-template-columns:1fr}}

/* Questions borrowers search (People also ask cards) */
.search-qs{margin:64px 0 10px}
.sq-grid{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.sq-card{max-width:none;background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;display:flex;flex-direction:column;transition:.2s}
.sq-card:hover{border-color:var(--rust);box-shadow:0 20px 40px -26px rgba(31,27,22,.3)}
.sq-chip{display:inline-flex;align-items:center;gap:6px;align-self:flex-start;font:600 .66rem Inter,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:var(--rust-d);background:#F4E4DA;border-radius:999px;padding:5px 10px;margin:0 0 14px}
.sq-chip svg{width:12px;height:12px}
.sq-card h3{font-size:1.12rem;line-height:1.3;margin:0 0 10px}
.sq-card>p:not(.sq-chip){color:var(--ink-2);font-size:.93rem;line-height:1.65;margin:0 0 18px;flex:1}
.sq-by{display:flex;align-items:center;gap:10px;padding-top:14px;border-top:1px solid var(--line)}
.sq-by .g-av{width:34px;height:34px;font-size:.8rem}
.sq-by b{display:block;font-size:.88rem}.sq-by small{font-size:.76rem;color:var(--mute)}
/* Reviews upgrade: summary + distribution */
.rv-sum{display:grid;grid-template-columns:260px 1fr;gap:40px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px 32px;margin-bottom:22px;max-width:760px}
.rv-score{text-align:center}.rv-score>b{display:block;font:500 3.4rem/1 Fraunces,serif;color:var(--ink);margin-bottom:8px}
.rv-score small{display:block;color:var(--mute);font-size:.82rem;margin-top:8px}
.rv-big{justify-content:center}.rv-big i{width:26px !important;height:26px !important}
.rv-tp{display:inline-block;margin-top:10px;font-weight:600;font-size:.86rem;color:var(--rust-d)}
.rv-dist{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.rv-dist li{max-width:none;display:grid;grid-template-columns:70px 1fr 40px;gap:12px;align-items:center;font-size:.84rem;color:var(--mute)}
.rv-bar{height:8px;border-radius:8px;background:var(--paper-2);overflow:hidden}.rv-bar i{display:block;height:100%;background:var(--rust);border-radius:8px}
.rv-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.rv-head .rv-stars{margin:0}
.rv-ver{margin:0 !important;font:600 .7rem Inter,sans-serif !important;letter-spacing:.02em !important;text-transform:none !important;color:var(--olive);background:#EEF0E4;border:0 !important;border-radius:999px;padding:4px 10px !important}
@media(max-width:1000px){.sq-grid{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.sq-grid{grid-template-columns:1fr}.rv-sum{grid-template-columns:1fr;gap:20px}}

/* Question cards — card anatomy matching the reference layout */
.sq-grid{gap:16px}
.sq-card{border-radius:14px;padding:22px 22px 18px;box-shadow:0 1px 0 rgba(31,27,22,.03)}
.sq-head{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:14px}
.sq-cat{display:inline-flex;align-items:center;gap:6px;font:600 .72rem Inter,sans-serif;color:var(--rust-d)}
.sq-cat svg{width:14px;height:14px}
.sq-badge{font:600 .68rem Inter,sans-serif;color:var(--olive);background:#EEF0E4;border-radius:999px;padding:4px 10px;white-space:nowrap}
.sq-card h3{font:600 1.02rem/1.35 Inter,sans-serif;letter-spacing:0;color:var(--ink);margin:0 0 10px}
.sq-card>p{font-size:.88rem !important;line-height:1.65 !important;color:var(--mute) !important}
.sq-by{gap:12px;padding-top:14px}
.sq-av{width:38px;height:38px;border-radius:50%;background:var(--rust);color:#fff;display:grid;place-items:center;font:600 .78rem Inter,sans-serif;flex:none}
.sq-by b{font-size:.86rem}.sq-by small{font-size:.74rem}

/* Closing CTA band (homepage, before footer) */
.closing-cta{background:radial-gradient(ellipse at 20% 0%,rgba(184,91,62,.35),transparent 55%),radial-gradient(ellipse at 90% 100%,rgba(232,184,150,.18),transparent 50%),#3A2B21;color:#F5F1EA;padding:84px 0;margin-top:70px;text-align:center}
.cc-in{max-width:860px}
.cc-eyebrow{font:600 .74rem Inter,sans-serif;letter-spacing:.2em;text-transform:uppercase;color:#E8B896;margin:0 auto 16px;max-width:none}
.closing-cta h2{color:#fff;font-size:clamp(2rem,4.4vw,3.2rem);margin:0 0 16px}
.closing-cta h2 em{font-style:italic;color:#E8B896;font-weight:400}
.cc-sub{color:#DCD2C0;font-size:1.1rem;line-height:1.6;margin:0 auto 32px;max-width:60ch}
.cc-btn{display:inline-block;background:var(--rust);color:#fff;font:600 1.05rem Inter,sans-serif;text-decoration:none;padding:18px 42px;border-radius:10px;box-shadow:0 14px 30px -12px rgba(184,91,62,.7);transition:transform .15s,background .15s}
.cc-btn:hover{background:#C9694A;color:#fff;transform:translateY(-2px)}
.cc-points{list-style:none;padding:0;margin:26px 0 0;display:flex;justify-content:center;flex-wrap:wrap;gap:10px 26px}
.cc-points li{max-width:none;font-size:.88rem;color:#CFC5B3;position:relative;padding-left:20px}
.cc-points li::before{content:"";position:absolute;left:0;top:.35em;width:11px;height:6px;border-left:2px solid #E8B896;border-bottom:2px solid #E8B896;transform:rotate(-45deg)}
.closing-cta + .site-foot{margin-top:0;border-top:1px solid #4A3A2E}
@media(max-width:560px){.closing-cta{padding:60px 0}.cc-btn{display:block}}

/* ===== Homepage: every section in a white frame ===== */
.hero,.form-section,.calc-section,.steps-split{border:0}
/* shared frame */
.hero>.wrap,.calc-section>.wrap,.steps-split>.wrap,
.intro-cmp,.services,.lenders-factors,.guide,.why-choose,.search-qs,.faq-block,.reviews{
  background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:0 24px 50px -38px rgba(31,27,22,.35)}
/* hero */
.hero{padding:28px 0 10px;background:transparent}
.hero>.wrap{padding:44px 52px}
.hero-grid{min-height:0}
/* form: framed panel with its background photo */
.form-section{width:min(1180px,100% - 40px);margin:26px auto 0;border-radius:24px;padding:64px 0;border:1px solid var(--line)}
.form-section>.wrap{width:auto;padding:0 52px}
/* calculator */
.calc-section{padding:26px 0 0}
.calc-section>.wrap{padding:48px 52px}
.calc-section .calc{box-shadow:0 20px 40px -26px rgba(31,27,22,.28);background:var(--paper)}
/* sections inside the main wrap */
.wrap.section{padding-top:0}
.intro-cmp,.services,.lenders-factors,.guide,.why-choose,.search-qs,.faq-block,.reviews{margin:26px 0 0;padding:48px 52px}
.intro-cmp{padding-top:52px}
.steps-split{padding:26px 0 0;margin-top:0}
.steps-split>.wrap{padding:52px}
.ss-left{top:24px}
.guide .g-intro{margin-bottom:10px}
.guide .gz:last-of-type{padding-bottom:10px}
.faq-block h2{margin:0 0 14px}.faq-block h2 em{font-style:italic;color:var(--rust-d);font-weight:400}
.faq-block .hero-eyebrow{max-width:none}
.faq-more{margin:18px 0 0}.faq-more a{font-weight:600;color:var(--rust-d)}
.wrap.section>.cta-band{margin:26px 0 0}
/* cards inside white frames switch to cream so they still read as cards */
.ic-card:not(.us),.bx:not(.b0),.bx.top-img,.sq-card,.wc-grid li,.rv-card,.rv-sum,.gz-tip,.g-expert,.lf-tip{background:var(--paper)}
.bx.b5{background:var(--paper-2)}
.lf-table{background:#fff}.lf-table td{background:#fff}
.faq details{border-color:var(--line)}
/* mobile */
@media(max-width:900px){
 .hero>.wrap,.calc-section>.wrap,.steps-split>.wrap{padding:30px 22px}
 .intro-cmp,.services,.lenders-factors,.guide,.why-choose,.search-qs,.faq-block,.reviews{padding:30px 22px;border-radius:20px}
 .form-section{padding:40px 0;border-radius:20px}.form-section>.wrap{padding:0 22px}
}
@media(max-width:560px){
 .hero>.wrap,.calc-section>.wrap,.steps-split>.wrap,.intro-cmp,.services,.lenders-factors,.guide,.why-choose,.search-qs,.faq-block{padding:24px 16px}
 .form-section{width:calc(100% - 24px)}
}

/* Hero: no white frame (keep cream page background) */
.hero>.wrap{background:transparent !important;border:0 !important;box-shadow:none !important;border-radius:0 !important;padding:24px 0 12px !important}
.hero{padding:30px 0 10px}

/* Reviews page */
.rvp-hero{padding:34px 0 8px}.rvp-hero .hero-eyebrow{max-width:none}
.rvp-hero h1{max-width:20ch}.rvp-hero h1 em{font-style:italic;color:var(--rust-d);font-weight:400}
.rvp-panel{background:#fff;border:1px solid var(--line);border-radius:24px;padding:44px 48px;margin:24px 0 0;box-shadow:0 24px 50px -38px rgba(31,27,22,.35)}
.rvp-panel h2{margin:0 0 12px;font-size:clamp(1.7rem,3vw,2.3rem)}.rvp-panel h2 em{font-style:italic;color:var(--rust-d);font-weight:400}
.rvp-panel .hero-eyebrow{max-width:none}.rvp-sub{color:var(--mute);margin:0 0 26px}
.rvp-panel .reviews{margin:0;padding:0;border:0;box-shadow:none;background:transparent}
.xr-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.xr-card{display:flex;flex-direction:column;background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:26px;text-decoration:none;color:var(--ink);transition:.2s}
.xr-card:hover{border-color:var(--rust);transform:translateY(-3px);color:var(--ink)}
.xr-top{display:flex;align-items:center;gap:14px;margin-bottom:14px}
.xr-score{font:500 1rem Fraunces,serif;color:var(--mute)}.xr-score b{font-size:2.2rem;color:var(--ink);font-weight:500}
.xr-card h3{margin:0 0 8px;font-size:1.3rem}.xr-card p{color:var(--ink-2);font-size:.95rem;margin:0 0 14px;flex:1;max-width:none}
.xr-by{font-size:.8rem;color:var(--mute);margin-bottom:10px}.xr-more{font-weight:600;color:var(--rust-d)}
.rv-empty p{color:var(--ink-2);max-width:62ch}.rv-empty .btn{margin-top:8px}
.pol-list{list-style:none;padding:0;margin:14px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:14px}
.pol-list li{max-width:none;background:var(--paper);border-radius:12px;padding:16px 18px;color:var(--ink-2);font-size:.94rem;line-height:1.6;border-left:3px solid var(--rust)}
.pol-list b{color:var(--ink)}
@media(max-width:800px){.xr-grid,.pol-list{grid-template-columns:1fr}.rvp-panel{padding:28px 20px}}

.rv-empty p:not(.hero-eyebrow){color:var(--ink-2)}
.rv-empty .hero-eyebrow{color:var(--rust-d)}

/* Error pages */
.err{max-width:760px;text-align:center;padding:90px 0 70px}
.err-code{display:inline-block;font:600 .74rem Inter,sans-serif;letter-spacing:.2em;text-transform:uppercase;color:var(--rust-d);background:#F4E4DA;border-radius:999px;padding:6px 14px;margin:0 0 20px}
.err h1{font-size:clamp(2.2rem,5vw,3.4rem);margin:0 0 16px}
.err .lede{margin:0 auto 30px;font-style:normal;font-family:Inter,sans-serif;color:var(--mute)}
.err .lede b{color:var(--rust-d)}
.err-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin:0 auto 26px;max-width:none}
.err-links{color:var(--mute);font-size:.92rem;margin:0 auto;max-width:none}

/* Logo: Open Door mark + lowercase wordmark */
.logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none}
.logo-mark{flex:none;display:block}
.logo-word{font:700 1.3rem/1 Inter,sans-serif;letter-spacing:-.025em;color:var(--ink)}
.logo-word b{font-weight:500;color:var(--rust-d)}
.foot-brand{display:flex;align-items:center;gap:10px;font:inherit !important}
.foot-brand .logo-word{color:#fff}.foot-brand .logo-word b{color:#E8B896}
@media(max-width:560px){.logo-word{font-size:1.15rem}.logo-mark{width:26px;height:30px}}

/* ===== Inner pages: photo header + framed panel ===== */
.pg-hero{padding:22px 0 6px}
.pg-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:center}
.pg-copy .hero-eyebrow{max-width:none;margin-bottom:14px}
.pg-copy h1{font-size:clamp(2rem,4vw,3.1rem);line-height:1.08;margin:0 0 16px;max-width:22ch}
.pg-copy .lede{margin:0 0 18px;max-width:56ch}
.pg-copy .byline{margin:0;max-width:60ch}
.pg-img{aspect-ratio:4/3;border-radius:22px;overflow:hidden;box-shadow:0 30px 60px -34px rgba(31,27,22,.45);background:var(--paper-2)}
.pg-img img{width:100%;height:100%;object-fit:cover;display:block;max-width:none}
.pg-hero.noimg .pg-grid{grid-template-columns:1fr}
.pg-hero.noimg .pg-copy{background:linear-gradient(100deg,rgba(245,241,234,.95),rgba(245,241,234,.8)),url('images/protections-map.jpg') center/cover;border:1px solid var(--line);border-radius:24px;padding:44px 48px}
.pg-wrap{padding-bottom:10px}
.pg-panel{background:#fff;border:1px solid var(--line);border-radius:24px;padding:46px 40px 20px;margin:28px 0 0;box-shadow:0 24px 50px -38px rgba(31,27,22,.35)}
.pg-panel>.article{width:min(780px,100%);padding:0}
.pg-panel>.article[style]{width:min(880px,100%) !important}
.pg-panel>.article>:first-child{margin-top:0}
.pg-panel .expert,.pg-panel .note{background:var(--paper)}
.pg-panel .table-wrap{background:#fff}
.pg-panel .cta-band{margin:36px 0 26px}
.pg-panel .form-embed{max-width:none;margin:0 0 24px}
@media(max-width:900px){.pg-grid{grid-template-columns:1fr;gap:22px}.pg-img{aspect-ratio:16/10}.pg-panel{padding:28px 20px 10px;border-radius:20px}.pg-hero.noimg .pg-copy{padding:28px 22px}}

/* Footer — oversized wordmark (site-wide) */
.site-foot.fx{padding:64px 0 34px;overflow:hidden}
.fx-cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;padding-bottom:30px}
.fx-head{font:400 1.6rem/1.2 Fraunces,serif !important;color:#fff !important;margin:0 0 12px !important}
.fx-head em{color:#E8B896;font-style:italic}
.fx-brand p{max-width:34ch;margin:0 0 14px}
.fx-col h3{color:#fff}
.fx-col a{color:#CFC5B3}.fx-col a:hover{color:#E8B896}
.fx-mega{display:flex;align-items:flex-end;gap:2vw;padding-top:14px;border-top:1px solid #3A342D;margin-top:6px;user-select:none}
.fx-mega svg{width:8.5vw;max-width:120px;height:auto;flex:none}
.fx-mega span{font:700 clamp(3rem,10.4vw,10rem)/.8 Inter,sans-serif;letter-spacing:-.06em;color:#2E2822;white-space:nowrap}
.fx-mega span b{font-weight:500;color:#5A3226}
.site-foot.fx .legal{border-top:0;margin-top:22px;padding-top:0}
@media(max-width:900px){.fx-cols{grid-template-columns:1fr 1fr}.fx-brand{grid-column:1/-1}}
@media(max-width:520px){.fx-cols{grid-template-columns:1fr}.fx-mega span{font-size:15vw}}

.fx-mega{padding-bottom:26px}
@media(max-width:520px){.fx-cols{grid-template-columns:1fr 1fr;gap:28px 18px}.fx-brand{grid-column:1/-1}.fx-mega span{font-size:13.4vw}.fx-mega svg{width:9.5vw}.fx-mega{gap:2.5vw;padding-bottom:18px}}

/* In-article photo */
.pg-fig{margin:34px 0 8px;border-radius:18px;overflow:hidden;aspect-ratio:16/8;box-shadow:0 24px 44px -30px rgba(31,27,22,.4);background:var(--paper-2)}
.pg-fig img{width:100%;height:100%;object-fit:cover;display:block;max-width:none}
@media(max-width:600px){.pg-fig{aspect-ratio:4/3;border-radius:14px}}

/* Loan calculator */
.lc{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:26px;margin:10px 0 30px}
.lc-in{display:grid;gap:18px}
.lc-in label{display:grid;grid-template-columns:1fr auto;gap:6px 12px;font-weight:600;font-size:.95rem;color:var(--ink)}
.lc-in output{font:500 1.1rem Fraunces,serif;color:var(--rust-d)}
.lc-in input{grid-column:1/-1;width:100%;accent-color:var(--rust)}
.lc-out{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:24px 0 6px}
.lc-out div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px}
.lc-out span{display:block;font-size:.75rem;letter-spacing:.06em;text-transform:uppercase;color:var(--mute);margin-bottom:6px}
.lc-out b{font:500 1.35rem Fraunces,serif;color:var(--ink)}
.lc-out div:first-child{background:var(--ink);border-color:var(--ink)}.lc-out div:first-child span{color:#CFC5B3}.lc-out div:first-child b{color:#fff}
.lc-sched{margin-top:16px}.lc-sched summary{cursor:pointer;font-weight:600;color:var(--rust-d)}
.lc-sched .table-wrap{max-height:360px;overflow:auto;margin-top:12px}
@media(max-width:700px){.lc-out{grid-template-columns:1fr 1fr}}
/* Glossary */
.gloss{margin:10px 0 26px;display:grid;gap:0}
.gloss div{padding:16px 0;border-bottom:1px solid var(--line);scroll-margin-top:20px}
.gloss dt{font:500 1.12rem Fraunces,serif;color:var(--ink);margin-bottom:4px}
.gloss dd{margin:0;color:var(--ink-2);line-height:1.65}