:root{
 --p-forest: oklch(0.32 0.06 165);
 --p-gold: oklch(0.72 0.15 75);
 --p-ink: oklch(0.25 0.02 250);
 --surface: oklch(0.985 0.006 120);
 --surface-2: oklch(0.955 0.008 130);
 --card: oklch(0.995 0.004 120);
 --text: var(--p-ink);
 --text-2: oklch(0.42 0.015 250);
 --accent: var(--p-forest);
 --accent-ink: oklch(0.99 0.005 120);
 --highlight: var(--p-gold);
 --ok: oklch(0.52 0.13 160);
 --warn: oklch(0.55 0.14 45);
 --line: oklch(0.88 0.008 150);
 --radius: 14px;
 --shadow: 0 1px 2px oklch(0.3 0.02 250 / 0.08), 0 8px 24px oklch(0.3 0.02 250 / 0.07);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font:16px/1.65 "Source Sans 3",system-ui,sans-serif;color:var(--text);background:var(--surface);-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:"Sora","Source Sans 3",sans-serif;line-height:1.2;text-wrap:balance}
img{max-width:100%}
a{color:var(--accent)}
:focus-visible{outline:2px solid var(--p-gold);outline-offset:2px;border-radius:4px}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--accent);color:var(--accent-ink);padding:10px 16px;z-index:50}
.skip:focus{left:8px;top:8px}

/* header */
.site-head{position:sticky;top:0;background:oklch(0.99 0.004 120 / 0.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);z-index:20}
.site-head .wrap{display:flex;align-items:center;gap:16px;min-height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.brand-mark{flex:none;display:block;border-radius:50%;filter:drop-shadow(0 2px 4px oklch(0.3 0.05 165 / 0.3))}
.brand-word{font-family:"Sora",sans-serif;font-weight:700;font-size:1.22rem;color:var(--text);letter-spacing:-.01em;white-space:nowrap}
.brand-word em{font-style:normal;color:var(--accent)}
.brand-word small{font-size:.68rem;color:var(--text-2);font-family:"Source Sans 3",sans-serif;font-weight:600;letter-spacing:.04em;margin-left:4px}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-size:1rem;color:var(--text)}
.site-nav{margin-left:auto;display:flex;gap:2px;align-items:center}

/* header mega dropdowns */
.nav-drop{position:relative}
.nav-drop-btn{background:none;border:none;font:inherit;font-weight:600;font-size:.95rem;color:var(--text);padding:9px 13px;border-radius:8px;cursor:pointer;white-space:nowrap}
.nav-drop-btn:hover{background:var(--surface-2);color:var(--accent)}
.nav-drop-btn::after{content:" ▾";font-size:.8em}
.nav-drop-btn.here{box-shadow:inset 0 -2px 0 var(--highlight);border-radius:8px 8px 0 0;color:var(--accent)}
.nav-drop-menu{position:absolute;top:calc(100% + 10px);left:0;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px;z-index:30;min-width:620px}
.nav-drop:last-child .nav-drop-menu{left:auto;right:0}
.mega{display:grid;grid-template-columns:repeat(auto-fit,minmax(215px,1fr));gap:20px 32px}
.mega h4{font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;color:var(--text-2);margin-bottom:10px;font-family:"Sora",sans-serif}
.mi{display:flex;gap:12px;align-items:flex-start;padding:7px 8px;margin:0 -8px;border-radius:10px;text-decoration:none;color:var(--text)}
.mi:hover{background:var(--surface-2)}
.mi-ic{flex:none;width:40px;height:40px;border-radius:11px;background:oklch(0.95 0.02 130);display:grid;place-items:center;font-size:1.15rem}
.mi-t strong{display:block;font-size:.95rem;font-weight:700;line-height:1.25}
.mi-t small{display:block;font-size:.8rem;color:var(--text-2);line-height:1.35;margin-top:2px}

/* header CTA */
.head-cta{flex:none;background:linear-gradient(180deg, oklch(0.74 0.15 75), oklch(0.67 0.15 75));color:oklch(0.28 0.04 60);font-weight:700;font-size:.9rem;text-decoration:none;padding:9px 18px;border-radius:99px;box-shadow:0 2px 6px oklch(0.3 0.05 60 / 0.25);white-space:nowrap}
.head-cta:hover{filter:brightness(1.07)}

/* anchor targets below sticky header */
#offers{scroll-margin-top:84px}

/* hero */
.hero{background:linear-gradient(160deg, oklch(0.30 0.06 165), oklch(0.24 0.05 170));color:oklch(0.97 0.01 150);padding:56px 0 48px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(620px 300px at 88% -12%, oklch(0.72 0.15 75 / 0.16), transparent 62%),radial-gradient(520px 280px at -8% 112%, oklch(0.62 0.11 165 / 0.28), transparent 60%)}
.hero::after{content:"";position:absolute;inset:0;pointer-events:none;background-image:radial-gradient(oklch(0.97 0.01 150 / 0.08) 1px, transparent 1.4px);background-size:22px 22px;-webkit-mask-image:linear-gradient(180deg,#000 0%,transparent 85%);mask-image:linear-gradient(180deg,#000 0%,transparent 85%)}
.hero .wrap{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center;position:relative;z-index:1}
.hero .wrap>div{min-width:0}
.kicker{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--highlight);margin-bottom:12px}
.hero .kicker{background:oklch(0.72 0.15 75 / 0.13);border:1px solid oklch(0.72 0.15 75 / 0.38);padding:5px 13px;border-radius:999px}
.hero h1{font-size:clamp(1.7rem,3.4vw,2.6rem);color:oklch(0.99 0.005 120)}
.hero .lede{margin-top:14px;font-size:1.08rem;max-width:56ch;color:oklch(0.92 0.015 150)}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:20px;list-style:none;font-size:.92rem;color:oklch(0.9 0.02 150)}
.trust li::before{content:"✓";color:var(--highlight);font-weight:700;margin-right:7px}
.widget{background:var(--card);color:var(--text);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.widget h3{font-size:1.05rem;margin-bottom:14px}
.calc-row{display:flex;justify-content:space-between;align-items:baseline;margin-top:12px}
.calc-row output{font-family:"Sora",sans-serif;font-weight:700;font-size:1.1rem}
input[type=range]{width:100%;margin:8px 0 4px;accent-color:var(--accent);height:36px}
.calc-hint{margin-top:10px;font-size:.92rem;color:var(--text-2)}
.note-box ul{list-style:none}
.note-box li{padding:6px 0 6px 24px;position:relative}
.note-box li::before{content:"—";position:absolute;left:4px;color:var(--highlight);font-weight:700}
.note-box .fine{font-size:.82rem;color:var(--text-2);margin-top:10px}
.mini{width:100%;border-collapse:collapse;font-size:.94rem}
.mini td{padding:6px 0;border-bottom:1px dashed var(--line)}
.mini .num{text-align:right;font-weight:700}
.mini .total td{border-bottom:none;padding-top:10px;color:var(--accent)}

/* sections */
section{padding:48px 0}
.section-head{max-width:64ch;margin-bottom:28px}
.section-head h2{font-size:clamp(1.35rem,2.4vw,1.8rem)}
.section-head h2::after{content:"";display:block;width:46px;height:3px;border-radius:2px;background:var(--highlight);margin-top:10px}
.section-head p{color:var(--text-2);margin-top:8px}

/* lender cards */
.lender-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:20px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:14px}
.lender.card{transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.lender.card:hover{transform:translateY(-3px);border-color:oklch(0.72 0.15 75 / 0.55);box-shadow:0 4px 10px oklch(0.3 0.02 250 / 0.09),0 16px 36px oklch(0.3 0.02 250 / 0.13)}
.lender-head{display:flex;justify-content:space-between;align-items:flex-start;gap:12px}
.lender-id{display:flex;gap:12px;align-items:center;min-width:0}
.lender-head h3{font-size:1.08rem}
.lender-meta{font-size:.85rem;color:var(--text-2)}
.stars{color:var(--highlight);letter-spacing:1px}
.badge{background:oklch(0.93 0.06 85);color:oklch(0.35 0.08 60);font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;padding:4px 10px;border-radius:99px;white-space:nowrap}
.lender-facts{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;background:var(--surface-2);border-radius:10px;padding:12px 14px}
.lender-facts dt{font-size:.72rem;text-transform:uppercase;letter-spacing:.05em;color:var(--text-2)}
.lender-facts dd{font-weight:700;font-size:.92rem}
.lender-cols{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.lender-cols h4{font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;margin-bottom:6px}
.pros,.cons{list-style:none;font-size:.92rem}
.pros li,.cons li{padding:3px 0 3px 20px;position:relative}
.pros li::before{content:"+";position:absolute;left:0;color:var(--ok);font-weight:800}
.cons li::before{content:"−";position:absolute;left:0;color:var(--warn);font-weight:800}
.cta{display:block;text-align:center;background:linear-gradient(180deg, oklch(0.39 0.075 165), oklch(0.32 0.06 165));color:var(--accent-ink);text-decoration:none;font-weight:700;padding:12px 18px;border-radius:10px;transition:transform .15s ease-out,filter .15s ease-out,box-shadow .15s ease-out;margin-top:auto;box-shadow:0 2px 6px oklch(0.3 0.05 165 / 0.28)}
.cta:hover{filter:brightness(1.12);transform:translateY(-1px);box-shadow:0 4px 10px oklch(0.3 0.05 165 / 0.34)}
.cta.small{display:inline-block;padding:8px 14px;font-size:.88rem;margin:0}
.cta:active{transform:translateY(0) scale(.98)}

/* table */
.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:var(--card);box-shadow:var(--shadow)}
.compare{width:100%;border-collapse:collapse;min-width:640px}
.compare th,.compare td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);font-size:.95rem}
.compare thead th{background:var(--surface-2);font-family:"Sora",sans-serif;font-size:.82rem;text-transform:uppercase;letter-spacing:.05em;color:var(--text-2)}
.compare tbody tr:last-child td{border-bottom:none}
.compare tbody tr:hover{background:var(--surface-2)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:step}
.step{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;position:relative}
.step::before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--accent);color:var(--accent-ink);font-family:"Sora",sans-serif;font-weight:700;margin-bottom:12px}
.step h3{font-size:1.02rem;margin-bottom:8px}
.step p{font-size:.94rem;color:var(--text-2)}

/* faq */
.faq{max-width:760px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:18px 4px;font-weight:700;font-family:"Sora",sans-serif;font-size:1rem;display:flex;justify-content:space-between;gap:16px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.3rem;color:var(--accent);transition:transform .2s ease-out;flex:none}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .a{padding:0 4px 18px;color:var(--text-2)}

/* related + article copy */
.related{margin-top:8px;border:1px solid var(--line);border-radius:var(--radius);padding:20px 24px;background:var(--surface-2)}
.related h3{font-size:.95rem;margin-bottom:10px}
.related ul{display:flex;flex-wrap:wrap;gap:10px;list-style:none}
.related a{display:inline-block;background:var(--card);border:1px solid var(--line);padding:8px 14px;border-radius:99px;text-decoration:none;font-weight:600;font-size:.9rem}
.related a:hover{border-color:var(--accent)}
.copy{max-width:72ch}
.copy h2{font-size:1.4rem;margin:36px 0 12px}
.copy p{margin-bottom:14px;color:var(--text-2)}
.copy strong{color:var(--text)}

/* homepage: loan type cards */
.type-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.type-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;flex-direction:column}
.type-card h3{font-size:1.03rem;margin-bottom:8px}
.type-card p{font-size:.92rem;color:var(--text-2);margin:0 0 14px;flex:1}
.type-card a{font-weight:700;font-size:.9rem;color:var(--accent)}
.type-card a:hover{text-decoration:underline}

/* homepage: about / editorial block */
.about-block{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px 28px;max-width:840px}
.about-block h3{font-size:1rem;margin:18px 0 6px}
.about-block h3:first-child{margin-top:0}
.about-block p{font-size:.94rem;color:var(--text-2);margin-bottom:8px}
.about-block .fine{font-size:.84rem;color:var(--muted);margin-top:14px}

/* footer */
.site-foot{margin-top:48px;background:var(--p-forest);color:oklch(0.9 0.02 160);padding:40px 0 28px;font-size:.92rem}
.site-foot .wrap{display:grid;gap:24px}
.site-foot h2{color:oklch(0.99 0.005 120);font-size:1.05rem;margin-bottom:8px}
.foot-popular{border-bottom:1px solid oklch(0.4 0.05 165);padding-bottom:22px}
.foot-popular h2{font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:oklch(0.75 0.03 160);margin-bottom:12px}
.foot-popular ul{list-style:none;display:flex;flex-wrap:wrap;gap:8px}
.foot-popular a{display:block;padding:6px 14px;border:1px solid oklch(0.45 0.05 165);border-radius:99px;color:oklch(0.88 0.025 160);text-decoration:none;font-size:.88rem;font-weight:600;transition:border-color .15s ease-out,color .15s ease-out}
.foot-popular a:hover{border-color:var(--highlight);color:var(--highlight)}
.foot-grid{display:grid;grid-template-columns:1.4fr 2fr 1.2fr;gap:32px}
.foot-links{display:grid;grid-template-columns:repeat(4,minmax(110px,1fr));gap:20px}
.foot-links h2{font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:oklch(0.75 0.03 160);margin-bottom:10px}
.foot-links ul{list-style:none;display:grid;gap:6px}
.foot-links a{color:oklch(0.88 0.025 160);text-decoration:none;font-size:.9rem}
.site-foot nav a:hover{color:var(--highlight)}
.fine{font-size:.8rem;color:oklch(0.75 0.03 160);line-height:1.6}
.fine strong{color:oklch(0.88 0.02 160)}
.legal{border-top:1px solid oklch(0.4 0.05 165);padding-top:16px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px}
.foot-grid>div{min-width:0}

/* lender logos (real images from LeadGid offers) */
.lender-top{display:flex;justify-content:space-between;align-items:center;gap:10px;min-height:38px}
.lender-logo{flex:none;display:flex;align-items:center;height:38px;max-width:150px}
.lender-logo img{max-height:38px;max-width:150px;width:auto;height:auto;object-fit:contain;display:block}
.lender-name{font-size:1.08rem;margin-top:2px}

/* collapsible lender list */
.lender-extra-item{display:none}
.lender-grid.show-all .lender-extra-item{display:flex}
.show-all-btn{margin:26px auto 0;display:flex;align-items:center;gap:6px;background:var(--card);border:1px solid var(--line);padding:12px 26px;border-radius:99px;font:inherit;font-weight:700;font-size:.95rem;color:var(--text);transition:border-color .15s ease-out,color .15s ease-out}
.show-all-btn:hover{border-color:var(--accent);color:var(--accent)}
.show-all-btn:active{transform:scale(.98)}
.table-toggle-btn{margin:16px auto 0;display:flex;align-items:center;gap:6px;background:var(--card);border:1px solid var(--line);padding:10px 22px;border-radius:99px;font:inherit;font-weight:700;font-size:.9rem;color:var(--text);transition:border-color .15s ease-out,color .15s ease-out}
.table-toggle-btn:hover{border-color:var(--accent);color:var(--accent)}

@media (max-width:860px){
 .hero .wrap{grid-template-columns:1fr}
 .steps{grid-template-columns:1fr}
 .type-grid{grid-template-columns:1fr}
 .foot-grid{grid-template-columns:1fr}
 .foot-links{grid-template-columns:1fr 1fr}
 .nav-toggle{display:block;margin-left:auto}
 .site-nav{display:none;position:absolute;top:64px;left:0;right:0;flex-direction:column;background:var(--card);border-bottom:1px solid var(--line);padding:12px 20px;gap:2px;box-shadow:var(--shadow)}
 .site-nav.open{display:flex}
 .head-cta{display:none}
 .nav-drop-btn{padding:12px;font-size:1rem;width:100%;text-align:left;border-radius:0}
 .nav-drop-btn.here{box-shadow:inset 2px 0 0 var(--highlight)}
 .nav-drop-menu{position:static;min-width:0;box-shadow:none;border:none;border-left:2px solid var(--line);padding:4px 0 8px 14px;margin:2px 0 4px}
 .mega{grid-template-columns:1fr !important;gap:4px}
 .mi{padding:8px 6px;margin:0 -6px}
 .mi-ic{width:34px;height:34px;font-size:1rem}
 .mi-t small{display:none}
}
@media (max-width:520px){
 .lender-cols{grid-template-columns:1fr}
 .lender-facts{grid-template-columns:1fr 1fr}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}
/* long-form guide articles */
.guide{padding:10px 0 6px}
.guide .wrap{max-width:840px}
.guide h3{font-size:1.12rem;margin-top:28px}
.guide p{margin-top:12px;color:var(--text);line-height:1.7}
.guide ul{margin:14px 0 0 22px;color:var(--text)}
.guide li{margin-top:8px;line-height:1.65}
.guide strong{color:var(--text)}