/* ============================================================
   FUNDLANE — "Meridian" editorial design system
   Warm cream ground · deep forest green ink · amber accent ·
   Fraunces serif display · Inter body
   ============================================================ */
:root{
  --cream:#FAF6EE;
  --card:#FFFFFF;
  --ink:#0F3B2D;           /* deep forest green */
  --ink-2:#4A6558;
  --ink-3:#7C9184;
  --green:#14503C;
  --green-2:#0B2E22;
  --amber:#E9A13B;
  --amber-soft:#FBEFDB;
  --mint:#E4F2E9;
  --line:#E7DFCC;
  --line-2:#D8CFB8;
  --red:#C2412D;
  --r:20px;
  --r-sm:14px;
  --shadow:0 2px 4px rgba(15,59,45,.05),0 12px 32px -16px rgba(15,59,45,.12);
  --shadow-lg:0 28px 64px -20px rgba(15,59,45,.28);
  --max:1150px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
  color:var(--ink);background:var(--cream);line-height:1.65;font-size:16px;overflow-x:hidden}
img,svg{max-width:100%;display:block}
button{font-family:inherit;cursor:pointer;border:none;background:none;color:inherit}
input,select,textarea{font-family:inherit;font-size:16px}
a{color:var(--green);text-decoration:none}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.serif{font-family:Fraunces,Georgia,serif}
.tile{background:var(--card);border:1.5px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow)}

/* ============ top bar ============ */
.topbar{position:sticky;top:0;z-index:60;background:rgba(250,246,238,.9);backdrop-filter:blur(12px);border-bottom:1.5px solid var(--line)}
.topbar-in{display:flex;align-items:center;justify-content:space-between;height:70px}
.logo{font-family:Fraunces,Georgia,serif;display:flex;align-items:center;gap:2px;font-weight:600;font-size:25px;color:var(--ink);letter-spacing:-.5px}
.logo i{font-style:italic;color:var(--amber)}
.logo-mark{display:none}
.topnav{display:flex;gap:26px;font-size:14.5px;font-weight:600;color:var(--ink-2)}
.topnav a{color:var(--ink-2)}
.topnav a:hover{color:var(--ink)}
@media(max-width:820px){.topnav{display:none}}
.topbar-right{display:flex;align-items:center;gap:18px}
.secure-pill{display:flex;align-items:center;gap:6px;font-size:12.5px;font-weight:600;color:var(--ink-3)}
.secure-pill svg{width:14px;height:14px}
.btn-top{background:var(--ink);color:var(--cream);font-weight:700;font-size:14.5px;padding:11px 24px;border-radius:99px;transition:.18s}
.btn-top:hover{background:var(--green-2)}
@media(max-width:560px){.secure-pill{display:none}}

/* ============ hero ============ */
.hero{padding:64px 0 70px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;width:560px;height:560px;border-radius:50%;border:1.5px solid var(--line);top:-190px;right:-150px;pointer-events:none;z-index:0}
.hero::after{content:"";position:absolute;width:360px;height:360px;border-radius:50%;border:1.5px solid var(--line);top:-90px;right:-50px;pointer-events:none;z-index:0}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:60px;align-items:center;position:relative;z-index:1}
@media(max-width:920px){.hero-grid{grid-template-columns:1fr;gap:36px}.hero{padding:40px 0 54px}}
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:12.5px;font-weight:800;letter-spacing:2px;text-transform:uppercase;color:var(--green);margin-bottom:20px}
.eyebrow .dot{width:8px;height:8px;border-radius:50%;background:var(--amber)}
h1{font-family:Fraunces,Georgia,serif;font-size:clamp(36px,4.8vw,58px);line-height:1.06;letter-spacing:-1.5px;font-weight:600}
h1 em{font-style:italic;color:var(--green)}
h1 .hl{white-space:nowrap;background:linear-gradient(transparent 68%,var(--amber-soft) 68%)}
.hero-sub{font-size:clamp(16px,1.6vw,18.5px);color:var(--ink-2);margin:20px 0 26px;max-width:520px}
.hero-points{display:flex;flex-direction:column;gap:12px}
.hero-point{display:flex;align-items:flex-start;gap:11px;font-size:15.5px;font-weight:600}
.hp-ico{width:22px;height:22px;border-radius:50%;background:var(--ink);display:grid;place-items:center;flex-shrink:0;margin-top:2px}
.hp-ico svg{width:12px;height:12px;color:var(--cream)}
.hero-foot{font-size:12.5px;color:var(--ink-3);margin-top:18px}
.hero-foot a{text-decoration:underline;color:var(--ink-3)}

/* amount card */
.amount-card{position:relative;background:var(--card);border:1.5px solid var(--ink);border-radius:24px;box-shadow:8px 8px 0 rgba(15,59,45,.08);padding:30px 30px 26px}
.ac-label{font-size:12px;font-weight:800;letter-spacing:2px;text-transform:uppercase;color:var(--ink-3);margin-bottom:4px}
.ac-amount{font-family:Fraunces,Georgia,serif;font-size:clamp(46px,5vw,62px);font-weight:600;letter-spacing:-2px;line-height:1.1;margin-bottom:14px;font-variant-numeric:tabular-nums}
.chips{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin-bottom:18px}
.chip{border:1.5px solid var(--line-2);border-radius:10px;padding:11px 4px;font-size:14px;font-weight:700;color:var(--ink-2);background:#fff;transition:.15s;text-align:center}
.chip:hover{border-color:var(--ink);color:var(--ink)}
.chip.on{background:var(--ink);border-color:var(--ink);color:var(--cream)}
input[type=range]{width:100%;-webkit-appearance:none;appearance:none;height:7px;border-radius:99px;background:linear-gradient(90deg,var(--amber) var(--fill,40%),var(--line) var(--fill,40%));outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:27px;height:27px;border-radius:50%;background:#fff;border:3px solid var(--ink);box-shadow:0 3px 10px rgba(15,59,45,.3);cursor:grab}
input[type=range]::-moz-range-thumb{width:23px;height:23px;border-radius:50%;background:#fff;border:3px solid var(--ink);box-shadow:0 3px 10px rgba(15,59,45,.3);cursor:grab}
.range-ends{display:flex;justify-content:space-between;font-size:12px;color:var(--ink-3);margin-top:7px;font-weight:700}
.hero-email-field{margin-top:18px;text-align:left}
.hero-email-field label{display:block;font-size:12px;font-weight:800;letter-spacing:1.2px;text-transform:uppercase;color:var(--ink-3);margin-bottom:7px}
.hero-email-field input{width:100%;border:1.5px solid var(--line-2);border-radius:13px;padding:15px 17px;background:#fff;color:var(--ink);font-weight:600}
.hero-email-field input:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 4px rgba(20,80,60,.12)}
.btn-main{width:100%;background:var(--ink);color:var(--cream);font-size:17.5px;font-weight:800;padding:18px;border-radius:99px;transition:.18s;display:flex;align-items:center;justify-content:center;gap:10px;margin-top:18px}
.btn-main:hover{background:var(--green-2);transform:translateY(-2px)}
.btn-main .dot{width:8px;height:8px;border-radius:50%;background:var(--amber)}
.ac-micro{display:flex;align-items:center;justify-content:center;gap:7px;font-size:12.5px;color:var(--ink-3);margin-top:13px;font-weight:600}
.ac-micro svg{width:13px;height:13px}
.ac-badges{display:flex;justify-content:center;gap:18px;margin-top:15px;padding-top:15px;border-top:1.5px dashed var(--line);font-size:12px;color:var(--ink-3);font-weight:700;flex-wrap:wrap}
.ac-badges span{display:flex;align-items:center;gap:5px}
.ac-badges svg{width:13px;height:13px;color:var(--amber)}
.loan-form-stack{min-width:0}
.form-representative-example{margin:17px auto 0;color:var(--ink-3);font-size:11.5px;line-height:1.55;text-align:left;max-width:520px}
.form-representative-example strong{color:var(--ink-2)}
.prod-cta .form-representative-example{text-align:center}

/* ============ marquee strip ============ */
.strip{background:var(--amber);border-top:1.5px solid var(--ink);border-bottom:1.5px solid var(--ink);padding:14px 0;overflow:hidden;white-space:nowrap}
.strip-in{display:inline-block;animation:scroll 28s linear infinite}
@keyframes scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.strip-item{font-family:Fraunces,Georgia,serif;display:inline;font-size:16.5px;font-weight:600;color:var(--ink);margin:0 16px}
.strip-sep{display:inline;color:var(--ink);margin:0 4px}

/* ============ sections ============ */
section{padding:78px 0}
@media(max-width:700px){section{padding:52px 0}}
.sec-head{text-align:center;max-width:680px;margin:0 auto 48px}
.sec-kicker{display:inline-block;font-size:12px;font-weight:800;letter-spacing:2.2px;text-transform:uppercase;color:var(--amber);margin-bottom:12px}
h2{font-family:Fraunces,Georgia,serif;font-size:clamp(28px,3.4vw,42px);letter-spacing:-1px;font-weight:600;line-height:1.12}
h2 em{font-style:italic;color:var(--green)}
.sec-sub{color:var(--ink-2);margin-top:13px;font-size:16.5px}

/* editorial numbered rows (how it works) */
.rows{max-width:960px;margin:0 auto}
.row{display:grid;grid-template-columns:110px 1fr 1.1fr;gap:36px;padding:38px 0;border-bottom:1.5px solid var(--line);align-items:baseline}
.row:first-child{border-top:1.5px solid var(--line)}
@media(max-width:760px){.row{grid-template-columns:1fr;gap:10px;padding:28px 0}}
.row-num{font-family:Fraunces,Georgia,serif;font-size:52px;font-weight:600;color:var(--amber);line-height:1}
.row h3{font-family:Fraunces,Georgia,serif;font-size:26px;font-weight:600;letter-spacing:-.5px}
.row p{color:var(--ink-2);font-size:15.5px;line-height:1.7}
.row .tag{display:inline-block;margin-top:12px;font-size:11.5px;font-weight:800;letter-spacing:1.6px;text-transform:uppercase;color:var(--green);background:var(--mint);padding:6px 13px;border-radius:99px}

/* loan-type cards */
.types{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;max-width:920px;margin-inline:auto}
@media(max-width:880px){.types{grid-template-columns:1fr}}
.type-card{padding:32px 30px;transition:.2s;display:flex;flex-direction:column}
.type-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:var(--line-2)}
.type-card .em{margin-bottom:16px}
.type-card h3{font-family:Fraunces,Georgia,serif;font-size:22px;font-weight:600;margin-bottom:8px;letter-spacing:-.4px}
.type-card p{font-size:14.5px;color:var(--ink-2);flex:1}
.type-card .go{display:inline-flex;align-items:center;gap:8px;margin-top:18px;font-size:14px;font-weight:800;color:var(--green)}
.type-card .go svg{width:16px;height:16px;transition:.15s}
.type-card:hover .go svg{transform:translateX(4px)}

/* reference-depth content sections */
.content-split{display:grid;grid-template-columns:1.05fr .95fr;gap:54px;align-items:center}
@media(max-width:860px){.content-split{grid-template-columns:1fr;gap:28px}.reverse-split .trust-visual{order:2}}
.story-panel h2{max-width:620px;margin-bottom:20px}
.story-panel p{color:var(--ink-2);margin-bottom:14px;max-width:640px}
.needs-panel{padding:38px}
.needs-panel h3{font-family:Fraunces,Georgia,serif;font-size:27px;line-height:1.2;margin:16px 0 12px}
.needs-panel>p{color:var(--ink-2);font-size:14.5px}
.panel-icon,.benefit-icon{width:50px;height:50px;border-radius:50%;display:grid;place-items:center;background:var(--amber-soft);color:var(--green);font-family:Fraunces,Georgia,serif;font-size:25px;font-weight:600}
.check-list{list-style:none;margin-top:20px;display:grid;gap:10px}
.check-list li{position:relative;padding-left:28px;font-size:14px;font-weight:700;color:var(--ink-2)}
.check-list li::before{content:"✓";position:absolute;left:0;top:0;width:20px;height:20px;border-radius:50%;background:var(--mint);color:var(--green);display:grid;place-items:center;font-size:12px}
.benefits-section{background:rgba(255,255,255,.45);border-block:1.5px solid var(--line)}
.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}
@media(max-width:940px){.benefit-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:540px){.benefit-grid{grid-template-columns:1fr}}
.benefit-card{padding:28px 24px}
.benefit-card h3{font-family:Fraunces,Georgia,serif;font-size:20px;margin:16px 0 7px}
.benefit-card p{font-size:13.5px;color:var(--ink-2)}
.trust-section{background:var(--ink);color:var(--cream)}
.trust-section .story-panel h2{color:var(--cream)}
.trust-section .story-panel p{color:#B7C9BF}
.trust-visual{position:relative;min-height:360px;display:grid;place-items:center;overflow:hidden}
.trust-ring{position:absolute;border:1.5px solid rgba(250,246,238,.18);border-radius:50%}
.ring-one{width:350px;height:350px}.ring-two{width:245px;height:245px}
.trust-mark{position:relative;width:175px;height:175px;border-radius:50%;background:var(--ink);color:var(--amber);display:grid;place-items:center;text-align:center;align-content:center;box-shadow:0 25px 60px rgba(0,0,0,.22)}
.trust-mark span{font-family:Fraunces,Georgia,serif;font-size:62px;line-height:1}.trust-mark small{font-size:9px;font-weight:800;letter-spacing:1.5px;margin-top:8px}
.btn-inline{margin-top:16px;background:var(--amber);color:var(--ink);font-weight:800;padding:14px 28px;border-radius:99px}
.choice-section{background:var(--amber-soft)}
.choice-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1.5px solid var(--line-2);border-radius:22px;overflow:hidden;background:#fff}
@media(max-width:900px){.choice-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:540px){.choice-grid{grid-template-columns:1fr}}
.choice-card{padding:30px 25px;border-right:1.5px solid var(--line)}
.choice-card:last-child{border-right:0}
@media(max-width:900px){.choice-card{border-bottom:1.5px solid var(--line)}.choice-card:nth-child(2){border-right:0}.choice-card:nth-last-child(-n+2){border-bottom:0}}
@media(max-width:540px){.choice-card{border-right:0!important;border-bottom:1.5px solid var(--line)!important}.choice-card:last-child{border-bottom:0!important}}
.choice-card>span{font-family:Fraunces,Georgia,serif;font-size:36px;color:var(--amber);font-weight:600}
.choice-card h3{font-family:Fraunces,Georgia,serif;font-size:19px;margin:9px 0 7px}.choice-card p{font-size:13.5px;color:var(--ink-2)}

/* cost — dark green band */
.cost-band{background:var(--ink);color:var(--cream);border-radius:26px;padding:56px 48px;position:relative;overflow:hidden}
@media(max-width:700px){.cost-band{padding:40px 22px}}
.cost-band::before{content:"";position:absolute;width:420px;height:420px;border-radius:50%;border:1.5px solid rgba(250,246,238,.14);top:-160px;right:-120px}
.cost-band h2{color:var(--cream)}
.cost-band .sec-sub{color:#A9C0B3}
.cost-band .sec-kicker{color:var(--amber)}
.cost-table-wrap{position:relative;overflow-x:auto;border-radius:16px;background:rgba(250,246,238,.05);border:1px solid rgba(250,246,238,.16)}
table{width:100%;border-collapse:collapse;font-size:15px;min-width:640px}
th{font-weight:700;text-align:left;padding:15px 20px;font-size:12px;letter-spacing:1px;text-transform:uppercase;color:#A9C0B3;border-bottom:1px solid rgba(250,246,238,.18);white-space:nowrap}
td{padding:15px 20px;border-top:1px solid rgba(250,246,238,.08);font-variant-numeric:tabular-nums;font-weight:600;color:#F2EEE3}
td.apr{color:var(--amber);font-weight:800}
.rep-example{position:relative;margin-top:18px;background:rgba(250,246,238,.05);border:1px solid rgba(250,246,238,.16);border-left:4px solid var(--amber);border-radius:12px;padding:20px 24px;font-size:13.5px;color:#A9C0B3;line-height:1.7}
.rep-example strong{color:var(--cream)}

/* eligibility */
.elig-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
@media(max-width:900px){.elig-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.elig-grid{grid-template-columns:1fr}}
.elig{padding:26px 22px;font-weight:700;font-size:15px;text-align:center}
.elig .ic{width:46px;height:46px;border-radius:50%;background:var(--mint);color:var(--green);display:grid;place-items:center;margin:0 auto 14px}
.elig .ic svg{width:21px;height:21px}

/* faq */
details{border:1.5px solid var(--line);border-radius:var(--r-sm);background:var(--card);margin:0 auto 12px;overflow:hidden;box-shadow:var(--shadow);max-width:800px}
details[open]{border-color:var(--line-2)}
summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:14px;padding:20px 24px;font-weight:700;font-size:15.5px;cursor:pointer;user-select:none}
summary::-webkit-details-marker{display:none}
.faq-plus{width:28px;height:28px;border-radius:50%;background:var(--cream);display:grid;place-items:center;flex-shrink:0;font-size:17px;font-weight:700;color:var(--green);transition:.22s;border:1.5px solid var(--line)}
details[open] .faq-plus{transform:rotate(45deg);background:var(--amber);border-color:var(--amber);color:var(--ink)}
.faq-body{padding:0 24px 22px;color:var(--ink-2);font-size:14.5px}
.faq-body a{font-weight:700;text-decoration:underline}
.faq-list{max-width:1040px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}
.faq-column{display:flex;flex-direction:column;gap:16px;min-width:0}
#faq details{max-width:none;width:100%;margin:0;border-radius:20px;border-color:transparent;box-shadow:0 12px 32px -22px rgba(15,59,45,.34);transition:border-color .25s,box-shadow .25s,transform .25s,background .25s}
#faq details:hover{transform:translateY(-2px);border-color:var(--line-2);box-shadow:0 20px 42px -24px rgba(15,59,45,.4)}
#faq details[open]{background:var(--green);border-color:var(--green);box-shadow:0 24px 54px -26px rgba(15,59,45,.58)}
#faq summary{position:relative;padding:22px 66px 22px 70px;font-size:15px;min-height:76px;line-height:1.4}
#faq summary::before{content:"?";position:absolute;left:22px;width:32px;height:32px;border-radius:11px;background:var(--amber-soft);color:var(--green);display:grid;place-items:center;font-family:Fraunces,Georgia,serif;font-size:19px;font-weight:600;transition:background .25s,color .25s,transform .25s}
#faq details[open] summary{color:#fff}
#faq details[open] summary::before{background:var(--amber);color:var(--ink);transform:rotate(-8deg) scale(1.05)}
#faq .faq-body{margin:0 22px 22px;padding:19px 20px;background:rgba(250,246,238,.98);border-left:3px solid var(--amber);border-radius:12px;color:var(--ink-2);font-size:14px}
#faq .faq-plus{position:absolute;right:22px;background:var(--cream);transition:transform .28s,background .28s;color:var(--green)}
#faq details[open] .faq-plus{background:var(--amber);color:var(--ink)}
@media(max-width:780px){.faq-list{grid-template-columns:1fr;gap:16px}.faq-column{gap:16px}}
@media(max-width:560px){#faq summary{padding:18px 58px 18px 58px;font-size:14.5px;min-height:70px}#faq summary::before{left:15px}#faq .faq-plus{right:15px}#faq .faq-body{margin:0 15px 15px;padding:16px}}

/* final cta */
.final-tile{background:var(--ink);border:none;border-radius:26px;color:var(--cream);text-align:center;padding:64px 26px;position:relative;overflow:hidden}
.final-tile::before{content:"";position:absolute;width:380px;height:380px;border-radius:50%;border:1.5px solid rgba(250,246,238,.14);top:-170px;left:-110px}
.final-tile h2{color:var(--cream);position:relative}
.final-tile h2 em{color:var(--amber)}
.final-tile .sec-sub{color:#A9C0B3;position:relative}
.btn-final{position:relative;display:inline-flex;align-items:center;gap:11px;background:var(--amber);color:var(--ink);font-size:17.5px;font-weight:800;padding:18px 46px;border-radius:99px;margin-top:26px;transition:.18s}
.btn-final:hover{transform:translateY(-2px);filter:brightness(1.06)}
.final-micro{position:relative;margin-top:16px;font-size:13px;color:#A9C0B3;font-weight:600}

/* footer */
footer{background:var(--green-2);color:#9DB5A8;padding:60px 0 120px;font-size:13px;margin-top:78px}
.foot-grid{display:grid;grid-template-columns:1.2fr 2fr;gap:46px;padding-bottom:36px;border-bottom:1px solid rgba(250,246,238,.1);margin-bottom:30px}
.foot-grid-minimal{grid-template-columns:1fr}
@media(max-width:760px){.foot-grid{grid-template-columns:1fr;gap:26px}}
.foot-logo{font-family:Fraunces,Georgia,serif;color:var(--cream);font-weight:600;font-size:22px;display:flex;align-items:center;gap:2px;margin-bottom:14px}
.foot-logo .logo-mark{display:none}
.foot-links{display:flex;flex-wrap:wrap;gap:11px 28px;align-content:flex-start}
.foot-links a{color:#C4D4CA;font-weight:600;font-size:13.5px}
.foot-links a:hover{color:var(--cream)}
.disclosure h4{color:#CBDBD1;font-size:12.5px;font-weight:800;text-transform:uppercase;letter-spacing:1px;margin:22px 0 8px}
.disclosure p{margin-bottom:10px;line-height:1.7;font-size:12.5px}
.copyright{margin-top:26px;padding-top:22px;border-top:1px solid rgba(250,246,238,.1);font-size:12px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}

/* sticky mobile cta */
.sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:40;background:rgba(250,246,238,.96);backdrop-filter:blur(12px);border-top:1.5px solid var(--line);padding:12px 16px calc(12px + env(safe-area-inset-bottom));display:none;box-shadow:0 -10px 30px rgba(15,59,45,.12)}
.sticky-cta button{width:100%;background:var(--ink);color:var(--cream);font-weight:800;font-size:16.5px;padding:16px;border-radius:99px}
@media(max-width:900px){.sticky-cta.show{display:block}}
.btn-top{transition:background .18s,opacity .2s,transform .2s,visibility .2s}
@media(max-width:900px){body.sticky-cta-active .btn-top{opacity:0;visibility:hidden;pointer-events:none;transform:translateY(-6px)}}

/* ============ wizard ============ */
.wizard{position:fixed;inset:0;z-index:100;background:var(--cream);display:none;flex-direction:column;overflow-y:auto}
.wizard.open{display:flex}
.wiz-top{position:sticky;top:0;background:rgba(250,246,238,.94);backdrop-filter:blur(12px);border-bottom:1.5px solid var(--line);z-index:5}
.wiz-top-in{max-width:680px;margin:0 auto;padding:15px 22px;display:flex;align-items:center;justify-content:space-between}
.wiz-top-in .logo{font-size:20px}
.wiz-close{font-size:13.5px;font-weight:700;color:var(--ink-3);display:flex;align-items:center;gap:6px;padding:6px}
.wiz-close:hover{color:var(--ink)}
.wiz-progress{height:5px;background:var(--line)}
.wiz-bar{height:100%;background:var(--amber);width:0%;transition:width .4s cubic-bezier(.2,.8,.2,1);border-radius:0 99px 99px 0}
.wiz-body{flex:1;width:100%;max-width:680px;margin:0 auto;padding:38px 22px 64px}
.wiz-step{display:none;animation:slideIn .3s cubic-bezier(.2,.8,.2,1)}
.wiz-step.on{display:block}
@keyframes slideIn{from{opacity:0;transform:translateX(28px)}to{opacity:1;transform:none}}
.wiz-count{font-size:11.5px;font-weight:800;letter-spacing:1.8px;text-transform:uppercase;color:var(--amber);margin-bottom:12px;display:block}
.wiz-q{font-family:Fraunces,Georgia,serif;font-size:clamp(25px,3.4vw,34px);font-weight:600;letter-spacing:-.6px;line-height:1.15;margin-bottom:9px}
.wiz-help{font-size:14.5px;color:var(--ink-2);margin-bottom:26px}
.wiz-amount-big{font-family:Fraunces,Georgia,serif;font-size:clamp(50px,6vw,68px);font-weight:600;letter-spacing:-2px;margin-bottom:14px;font-variant-numeric:tabular-nums}
.wizard input[type=range]{background:linear-gradient(90deg,var(--amber) var(--fill,40%),var(--line) var(--fill,40%))}
.opt-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:520px){.opt-grid{grid-template-columns:1fr}}
.opt{display:flex;align-items:center;gap:14px;background:var(--card);border:1.5px solid var(--line);border-radius:var(--r-sm);padding:17px 18px;font-size:15px;font-weight:700;transition:.16s;text-align:left;width:100%;box-shadow:var(--shadow)}
.opt:hover{border-color:var(--ink);transform:translateY(-2px)}
.opt.on{background:var(--ink);color:var(--cream);border-color:var(--ink)}
.opt-ico{width:40px;height:40px;border-radius:50%;background:var(--cream);display:grid;place-items:center;flex-shrink:0;font-size:19px}
.opt.on .opt-ico{background:rgba(250,246,238,.16)}
.field{margin-bottom:16px}
.field label{display:block;font-size:13.5px;font-weight:700;color:var(--ink-2);margin-bottom:8px}
.field input,.field select{width:100%;border:1.5px solid var(--line-2);border-radius:13px;padding:16px 17px;background:#fff;transition:.16s;color:var(--ink);font-weight:600}
.field input:focus,.field select:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 4px rgba(20,80,60,.12)}
.field input.err{border-color:var(--red);box-shadow:0 0 0 4px rgba(194,65,45,.12)}
.field .msg{font-size:12.5px;color:var(--red);margin-top:6px;font-weight:600;display:none}
.field.show-err .msg{display:block}
.row-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:520px){.row-2{grid-template-columns:1fr}}
.wiz-next{width:100%;background:var(--ink);color:var(--cream);font-size:17px;font-weight:800;padding:18px;border-radius:99px;margin-top:24px;transition:.18s;display:flex;align-items:center;justify-content:center;gap:10px}
.wiz-next:hover{background:var(--green-2);transform:translateY(-1px)}
.wiz-back{display:flex;width:fit-content;align-items:center;gap:6px;font-size:14px;font-weight:700;color:var(--ink-3);margin-bottom:22px;padding:4px 0}
.wiz-back:hover{color:var(--ink)}
.wiz-secure{display:flex;align-items:center;justify-content:center;gap:7px;font-size:12.5px;color:var(--ink-3);font-weight:600;margin-top:18px}
.wiz-secure svg{width:13px;height:13px}
.wiz-amount-review{background:var(--card);border:1.5px solid var(--line);border-radius:var(--r-sm);padding:16px 20px;display:flex;justify-content:space-between;align-items:center;margin-bottom:22px;box-shadow:var(--shadow)}
.wiz-amount-review b{font-family:Fraunces,Georgia,serif;font-size:25px;font-weight:600;font-variant-numeric:tabular-nums}
.wiz-amount-review .rev-label{font-size:11px;font-weight:800;color:var(--ink-3);text-transform:uppercase;letter-spacing:1px}
.wiz-amount-review button{font-size:13px;font-weight:800;color:var(--green);text-decoration:underline}
.consent{display:flex;gap:12px;align-items:flex-start;background:var(--card);border:1.5px solid var(--line);border-radius:13px;padding:15px 16px;margin-top:18px;box-shadow:var(--shadow)}
.consent input{width:19px;height:19px;margin-top:2px;accent-color:var(--green);flex-shrink:0}
.consent label{font-size:12px;color:var(--ink-2);line-height:1.6}
.consent.err-ring{border-color:var(--red)}
/* searching / done */
.search-anim{text-align:center;padding:42px 0}
.spinner{width:76px;height:76px;margin:0 auto 28px;border-radius:50%;border:5px solid var(--line);border-top-color:var(--amber);animation:spin .9s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.search-anim h3{font-family:Fraunces,Georgia,serif;font-size:26px;font-weight:600;letter-spacing:-.5px;margin-bottom:10px}
.search-anim p{color:var(--ink-2);font-size:15px}
.search-checks{max-width:380px;margin:28px auto 0;text-align:left}
.search-check{display:flex;align-items:center;gap:11px;font-size:14.5px;font-weight:600;color:var(--ink-3);padding:9px 0;opacity:.3;transition:.4s}
.search-check.done{opacity:1;color:var(--ink)}
.search-check .hp-ico{margin-top:0}
.done-ico{width:88px;height:88px;margin:0 auto 24px;border-radius:50%;background:var(--mint);color:var(--green);display:grid;place-items:center}
.done-ico svg{width:44px;height:44px}
.gt{color:var(--green)}

/* ============ hosted form continuation ============ */
.continue-page{min-height:72vh;padding:58px 22px 30px}
.continue-shell{width:min(100%,760px);margin:0 auto}
.continue-heading{text-align:center;max-width:620px;margin:0 auto 28px}
.continue-heading h1{font-size:clamp(34px,5vw,50px)}
.continue-heading p{color:var(--ink-2);font-size:16px;margin:12px auto 20px}
.continue-summary{display:inline-flex;align-items:center;gap:16px;background:var(--amber-soft);border:1.5px solid var(--amber);border-radius:99px;padding:9px 18px;font-size:13px;font-weight:700}
.continue-summary strong{font-size:17px}
.phonexa-host{min-height:520px;background:#fff;border:1.5px solid var(--line);border-radius:24px;box-shadow:var(--shadow);padding:22px}
.integration-note{max-width:520px;margin:150px auto 0;text-align:center;color:var(--ink-2)}
.integration-note strong{display:block;color:var(--ink);font-family:Fraunces,Georgia,serif;font-size:24px;margin-bottom:8px}
.integration-note code{background:var(--amber-soft);padding:2px 6px;border-radius:5px;color:var(--ink)}
.continue-security{text-align:center;color:var(--ink-3);font-size:12.5px;font-weight:600;margin-top:16px}
@media(max-width:560px){.continue-page{padding:38px 12px 20px}.phonexa-host{padding:10px;border-radius:18px}.integration-note{margin-top:130px}}

/* ============ inner pages ============ */
.page-head{padding:46px 0 28px;text-align:center;max-width:740px;margin:0 auto}
.page-head h1{font-size:clamp(32px,4vw,48px)}
.page-head p{color:var(--ink-2);margin-top:12px;font-size:16px}
.pagemain{padding-bottom:30px}
.article{max-width:840px;margin:0 auto;padding:44px 46px;font-size:15px;color:var(--ink-2);line-height:1.75}
@media(max-width:700px){.article{padding:30px 22px}}
.article h2{font-family:Fraunces,Georgia,serif;font-size:22px;letter-spacing:-.4px;color:var(--ink);margin:34px 0 10px;font-weight:600}
.article h2:first-child{margin-top:0}
.article h3{font-size:16px;color:var(--ink);margin:22px 0 8px}
.article p{margin-bottom:12px}
.article ul{margin:0 0 14px 20px}
.article li{margin-bottom:7px}
.article strong{color:var(--ink)}
.article .updated{font-size:12px;color:var(--ink-3);font-weight:700;margin-bottom:26px;text-transform:uppercase;letter-spacing:1px}
.article .callout{background:var(--amber-soft);border:1.5px solid var(--amber);border-radius:14px;padding:16px 20px;color:var(--ink);font-weight:500;margin:18px 0}
.article table{min-width:0;font-size:14px}
.article th{color:var(--ink-2);border-bottom:1.5px solid var(--line);background:none;padding:11px 14px}
.article td{color:var(--ink-2);border-top:1px solid var(--line);padding:11px 14px;font-weight:500}
.article td.apr{color:var(--green);font-weight:800}
/* inner-page forms */
.pform{max-width:560px;margin:0 auto}
.pform .tile{padding:34px 32px}
.pform .btn-submit{width:100%;background:var(--ink);color:var(--cream);font-size:16px;font-weight:800;padding:16px;border-radius:99px;transition:.18s;margin-top:8px}
.pform .btn-submit:hover{background:var(--green-2)}
.pform textarea{width:100%;border:1.5px solid var(--line-2);border-radius:13px;padding:15px 17px;background:#fff;color:var(--ink);font-weight:600;font-size:15px;min-height:130px;resize:vertical}
.pform textarea:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 4px rgba(20,80,60,.12)}
.form-ok{background:var(--mint);color:var(--green);border-radius:13px;padding:16px 20px;font-weight:700;font-size:14.5px;margin-bottom:18px}
.goal-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;max-width:1000px;margin:0 auto}
@media(max-width:900px){.goal-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.goal-grid{grid-template-columns:1fr}}
.goal{padding:26px 24px}
.goal .em{font-size:26px;margin-bottom:12px;display:block}
.goal h3{font-family:Fraunces,Georgia,serif;font-size:19px;font-weight:600;margin-bottom:6px}
.goal p{font-size:13.5px;color:var(--ink-2);line-height:1.65}
/* product (loan-type) landing hero */
.prod-hero{padding:56px 0 8px;text-align:center;max-width:780px;margin:0 auto}
.prod-hero .eyebrow{justify-content:center}
.prod-hero p.lead{color:var(--ink-2);font-size:17px;margin-top:16px}
.prod-cta{margin:30px auto 0;max-width:480px;text-align:left}

/* animated line icons */
.motion-icon{width:48px;height:48px;border-radius:14px;background:var(--amber-soft);color:var(--green);display:inline-grid!important;place-items:center;flex:0 0 auto;overflow:hidden}
.motion-icon svg{width:25px;height:25px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;transition:transform .35s cubic-bezier(.2,.8,.2,1)}
.motion-icon svg path,.motion-icon svg circle,.motion-icon svg rect{stroke-dasharray:80;stroke-dashoffset:0;transition:stroke-dashoffset .55s ease}
.tile:hover .motion-icon svg,.contact-line:hover .motion-icon svg{transform:scale(1.1) rotate(-3deg)}
.tile:hover .motion-icon svg path,.tile:hover .motion-icon svg circle,.tile:hover .motion-icon svg rect,.contact-line:hover .motion-icon svg path,.contact-line:hover .motion-icon svg circle,.contact-line:hover .motion-icon svg rect{animation:icon-trace .65s ease}
@keyframes icon-trace{0%{stroke-dashoffset:0}45%{stroke-dashoffset:80}46%{stroke-dashoffset:-80}100%{stroke-dashoffset:0}}
.benefit-icon.motion-icon{border-radius:50%}
.contact-line{display:flex;align-items:center;gap:11px;margin:10px 0}
.contact-icon.motion-icon{width:36px;height:36px;border-radius:10px}
.contact-icon.motion-icon svg{width:19px;height:19px}
@media(prefers-reduced-motion:reduce){.motion-icon svg,.motion-icon svg *{animation:none!important;transition:none!important}}