/* privatedeedcapital.com
   White page, black heavy type, one orange accent, real photos.
   Typeface: Figtree. */

:root {
  --ink: #15161a;
  --text: #40434c;
  --muted: #696d78;
  --line: #e7e7ec;
  --soft: #f6f6f8;
  --accent: #ff5a1f;
  --accent-d: #e5480f;
  --accent-t: #c23d0c;
  --tint: #fff1ea;
  --font: "Figtree", "Helvetica Neue", Arial, sans-serif;
  --wrap: 1240px;
  --gut: clamp(20px, 4vw, 40px);
  --shadow: 0 24px 60px rgba(21, 22, 26, .14);
  --shadow-s: 0 10px 30px rgba(21, 22, 26, .08);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 96px; }
body { margin: 0; background: #fff; color: var(--text); font: 500 1.0625rem/1.6 var(--font); -webkit-font-smoothing: antialiased; }
img, svg { display: block; max-width: 100%; }
img { height: auto; }
a { color: inherit; }
h1, h2, h3, p, ul, ol, dl, dd, dt, figure { margin: 0; }
ul, ol { padding: 0; list-style: none; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; border-radius: 6px; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: 12px; top: -60px; z-index: 100; background: var(--ink); color: #fff; padding: 10px 16px; border-radius: 999px; font-weight: 700; }
.skip:focus { top: 12px; }
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gut); }

h1, h2, h3 { color: var(--ink); text-wrap: balance; }
h1 { font-weight: 900; font-size: clamp(2.5rem, 5.1vw, 4.2rem); line-height: 1.03; letter-spacing: -0.035em; }
h1 em { font-style: normal; color: var(--accent); }
h2 { font-weight: 800; font-size: clamp(1.85rem, 3.2vw, 2.7rem); line-height: 1.08; letter-spacing: -0.028em; }
h3 { font-weight: 800; font-size: 1.25rem; line-height: 1.2; letter-spacing: -0.012em; }
.arr { width: 20px; height: 20px; flex: none; transition: transform .18s ease; }
.tk { width: 18px; height: 18px; flex: none; }

/* ---------- buttons and links */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px; border: 0; cursor: pointer;
  font: 800 1.18rem/1 var(--font); letter-spacing: -0.005em; text-decoration: none; padding: 15px 24px; border-radius: 999px;
  transition: transform .15s ease, background .15s ease, box-shadow .15s ease;
}
.btn:hover .arr { transform: translateX(4px); }
.btn:active { transform: scale(.98); }
.btn-accent { background: var(--accent); color: #fff; box-shadow: 0 10px 24px rgba(255, 90, 31, .32); }
.btn-accent:hover { background: var(--accent-d); box-shadow: 0 14px 30px rgba(255, 90, 31, .4); }
.btn-dark { background: var(--ink); color: #fff; }
.btn-dark:hover { background: #2b2d34; }
.btn-lg { font-size: 1.22rem; padding: 19px 30px; }
.btn[disabled] { opacity: .6; cursor: default; }
.link-u { font-weight: 700; color: var(--ink); text-decoration: underline; text-decoration-thickness: 2px; text-underline-offset: 5px; }
.link-u:hover { color: var(--accent-t); }
.link-go { display: inline-flex; align-items: center; gap: 6px; font-weight: 800; color: var(--accent-t); text-decoration: none; }
.link-go:hover .arr, a:hover > .link-go .arr { transform: translateX(4px); }

/* ---------- header */
.top { position: sticky; top: 0; z-index: 50; background: #fff; border-bottom: 1px solid transparent; transition: border-color .2s ease, box-shadow .2s ease; }
.top.scrolled { border-bottom-color: var(--line); box-shadow: 0 6px 24px rgba(21, 22, 26, .05); }
.top-in { display: flex; align-items: center; gap: 30px; height: 78px; }
.brand { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; color: var(--ink); white-space: nowrap; flex: none; }
.mark { width: 48px; height: 48px; flex: none; }
.brand-t { display: flex; flex-direction: column; line-height: 1; }
.brand-t b { font-weight: 900; font-size: 1.42rem; letter-spacing: -0.03em; }
.brand-t i { font-style: normal; font-weight: 700; font-size: .66rem; letter-spacing: .42em; text-transform: uppercase; color: var(--accent-t); margin-top: 5px; }
.nav { display: flex; gap: 6px; margin-left: auto; }
.nav a { font-weight: 600; font-size: 1rem; color: var(--text); text-decoration: none; padding: 9px 13px; border-radius: 999px; transition: background .15s ease, color .15s ease; }
.nav a:hover { background: var(--soft); color: var(--ink); }
.nav a[aria-current] { background: var(--tint); color: var(--accent-t); }
.nav-cta { display: none; }
.top-cta { padding: 13px 22px; font-size: 1.02rem; white-space: nowrap; }
.burger { display: none; width: 46px; height: 46px; border: 0; border-radius: 50%; background: var(--soft); cursor: pointer; position: relative; flex: none; }
.burger span:first-child, .burger span:first-child::before, .burger span:first-child::after { position: absolute; left: 13px; right: 13px; height: 2.5px; border-radius: 2px; background: var(--ink); content: ""; transition: transform .18s ease; }
.burger span:first-child { top: 22px; }
.burger span:first-child::before { left: 0; right: 0; top: -7px; }
.burger span:first-child::after { left: 0; right: 0; top: 7px; }
.burger[aria-expanded="true"] span:first-child { background: transparent; }
.burger[aria-expanded="true"] span:first-child::before { transform: translateY(7px) rotate(45deg); }
.burger[aria-expanded="true"] span:first-child::after { transform: translateY(-7px) rotate(-45deg); }

/* ---------- hero */
.hero { padding: clamp(28px, 4vw, 52px) 0 clamp(52px, 6vw, 84px); overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, .96fr); gap: clamp(36px, 6vw, 92px); align-items: center; }
.hero-copy { max-width: 640px; }
.kicker { display: inline-flex; align-items: center; gap: 9px; font-weight: 700; font-size: .95rem; color: var(--accent-t); background: var(--tint); padding: 8px 15px; border-radius: 999px; margin-bottom: 20px; }
.kicker i { width: 8px; height: 8px; border-radius: 50%; background: var(--accent); box-shadow: 0 0 0 0 rgba(255, 90, 31, .5); animation: pulse 2.4s ease-out infinite; }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(255, 90, 31, .5); } 70%, 100% { box-shadow: 0 0 0 9px rgba(255, 90, 31, 0); } }
.crumb { display: flex; gap: 9px; font-size: .95rem; font-weight: 600; color: var(--muted); margin-bottom: 18px; }
.crumb a { color: var(--muted); text-decoration: none; }
.crumb a:hover { color: var(--ink); }
.inner h1 { font-size: clamp(2.4rem, 4.5vw, 3.7rem); }
.inner .hero { padding-bottom: clamp(30px, 4vw, 52px); }
.lead { font-size: clamp(1.14rem, 1.5vw, 1.3rem); line-height: 1.5; color: var(--text); margin-top: 22px; max-width: 34em; }
.hero-cta { display: flex; flex-wrap: wrap; align-items: center; gap: 16px 24px; margin-top: 32px; }
.facts { display: grid; grid-template-columns: repeat(3, minmax(0, auto)); justify-content: start; gap: 14px clamp(20px, 3vw, 44px); margin-top: 40px; padding-top: 26px; border-top: 1px solid var(--line); }
.facts dt { font-weight: 900; font-size: clamp(1.45rem, 2.2vw, 2rem); white-space: nowrap; line-height: 1.05; letter-spacing: -0.03em; color: var(--ink); }
.facts dd { font-size: .95rem; color: var(--muted); margin-top: 4px; }
.hero-plain { padding-bottom: 12px; }
.hero-plain .hero-copy { max-width: 760px; }

.pic { position: relative; }
.pic img { width: 100%; aspect-ratio: 19 / 18; object-fit: cover; border-radius: 30px; background: var(--soft); }
.chip { position: absolute; right: 18px; top: 18px; background: rgba(21, 22, 26, .92); color: #fff; font-weight: 700; font-size: .88rem; padding: 9px 15px; border-radius: 999px; }
.dealcard { position: absolute; left: clamp(-44px, -3vw, -16px); bottom: 28px; width: min(286px, 66%); background: #fff; border-radius: 20px; padding: 16px 20px 10px; font-size: .98rem; box-shadow: var(--shadow); animation: rise .7s .25s cubic-bezier(.2, .8, .2, 1) both; }
.dealcard p { font-weight: 800; font-size: .8rem; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin-bottom: 6px; }
.dealcard div { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; padding: 7px 0; border-bottom: 1px solid var(--line); font-weight: 600; color: var(--ink); font-variant-numeric: tabular-nums; }
.dealcard div:last-child { border-bottom: 0; }
.dealcard b { font-weight: 700; }
.dealcard .hot b { font-weight: 900; font-size: 1.4rem; letter-spacing: -0.02em; color: var(--accent); }
@keyframes rise { from { opacity: 0; transform: translateY(22px); } to { opacity: 1; transform: none; } }

/* ---------- ticker */
.ticker { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); overflow: hidden; padding: 17px 0; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.ticker-in { display: flex; gap: 44px; width: max-content; animation: slide 46s linear infinite; }
.ticker:hover .ticker-in { animation-play-state: paused; }
.ticker span { display: inline-flex; align-items: center; gap: 9px; font-weight: 700; color: var(--ink); white-space: nowrap; }
.ticker .tk { color: var(--accent); }
@keyframes slide { to { transform: translateX(calc(-50% - 22px)); } }

/* ---------- bands */
.band { padding: clamp(60px, 7.5vw, 108px) 0; }
.band-soft { background: var(--soft); }
.band-head { max-width: 760px; margin-bottom: clamp(28px, 4vw, 48px); }
.band-head .intro { margin-top: 14px; }
.split { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); gap: clamp(20px, 5vw, 80px); align-items: start; }
.split > h2 { position: sticky; top: 108px; }
.band + .band:not(.band-soft):not(.sizer-band):not(.closer-band) { padding-top: 0; }
.band-soft + .band { padding-top: clamp(60px, 7.5vw, 108px) !important; }
.band-soft + .band-soft { padding-top: 0 !important; }
.col > * + * { margin-top: 20px; }
.intro { font-size: 1.16rem; color: var(--text); max-width: 44em; }
.prose p + p { margin-top: 16px; }
.prose, .note { max-width: 44em; }
.prose a, .faq a, .ticks a, .grid a { color: var(--accent-t); font-weight: 700; text-underline-offset: 3px; }
.prose strong { color: var(--ink); font-weight: 800; }
.note { font-size: .92rem; color: var(--muted); }

/* ---------- sizer: the form panel */
.sizer-band { padding: clamp(40px, 5vw, 72px) 0; }
.sizer { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); gap: clamp(28px, 5vw, 72px); align-items: center; background: var(--tint); border-radius: 36px; padding: clamp(24px, 4.4vw, 60px); }
.sizer-copy p { font-size: 1.14rem; margin-top: 18px; max-width: 30em; }
.sizer-ticks { margin-top: 26px; display: grid; gap: 12px; }
.sizer-ticks li { display: flex; align-items: center; gap: 12px; font-weight: 700; color: var(--ink); }
.sizer-ticks .tk { width: 26px; height: 26px; padding: 5px; border-radius: 50%; background: var(--accent); color: #fff; }

.formcard { background: #fff; border-radius: 26px; padding: clamp(20px, 2.6vw, 32px); box-shadow: var(--shadow); scroll-margin-top: 112px; }
.hero .formcard { border: 1px solid var(--line); }
.form-h { font-size: 1.6rem; margin-bottom: 18px; }
.hp { position: absolute; left: -9999px; }
.seg { border: 0; padding: 0; margin: 0 0 18px; min-width: 0; }
.seg legend, .f > span { display: block; font-weight: 700; font-size: .92rem; color: var(--ink); margin-bottom: 7px; padding: 0; }
.f > span i { font-style: normal; font-weight: 500; color: var(--muted); }
.seg-row { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 4px; background: var(--soft); border-radius: 999px; padding: 4px; }
.seg-opt { position: relative; cursor: pointer; }
.seg-opt input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.seg-opt span { display: block; text-align: center; font-weight: 700; font-size: .98rem; padding: 11px 4px; border-radius: 999px; color: var(--text); transition: background .15s ease, color .15s ease; }
.seg-opt input:checked + span { background: var(--ink); color: #fff; box-shadow: 0 4px 12px rgba(21, 22, 26, .2); }
.seg-opt input:focus-visible + span { outline: 3px solid var(--accent); outline-offset: 2px; }
.f-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.f { display: block; min-width: 0; }
.f.wide { grid-column: 1 / -1; }
.f[hidden] { display: none; }
.f input, .f select {
  width: 100%; height: 54px; padding: 0 16px; font: 600 1.1rem/1 var(--font); color: var(--ink); background: #fff;
  border: 1.5px solid #d9d9e0; border-radius: 14px; appearance: none; -webkit-appearance: none; transition: border-color .15s ease, box-shadow .15s ease;
}
.f textarea { width: 100%; min-height: 84px; padding: 14px 16px; font: 600 1.02rem/1.45 var(--font); color: var(--ink); background: #fff; border: 1.5px solid #d9d9e0; border-radius: 14px; resize: vertical; transition: border-color .15s ease, box-shadow .15s ease; }
.f textarea:hover { border-color: #b9bac4; }
.f textarea:focus { outline: 0; border-color: var(--accent-t); box-shadow: 0 0 0 4px rgba(255, 90, 31, .32); }
.f input::placeholder, .f textarea::placeholder { color: #8b8e9a; font-weight: 500; }
.js .deal.sent .deal-fields { display: none; }
.formcard:has(.deal.sent) .form-h { display: none; }
.f select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%2315161a' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 38px; font-size: 1rem; }
.f input:hover, .f select:hover { border-color: #b9bac4; }
.f input:focus, .f select:focus { outline: 0; border-color: var(--accent-t); box-shadow: 0 0 0 4px rgba(255, 90, 31, .32); }
.f input.bad, .f select.bad { border-color: #d92d20; box-shadow: 0 0 0 4px rgba(217, 45, 32, .12); }
.deal .btn { width: 100%; margin-top: 18px; padding: 18px 24px; font-size: 1.18rem; }
.fine { font-size: .84rem; line-height: 1.45; color: var(--muted); margin-top: 12px; }
.fine a { color: inherit; }
.check { display: flex; gap: 11px; align-items: flex-start; margin-top: 16px; font-size: .9rem; line-height: 1.4; color: var(--text); cursor: pointer; }
.check input { width: 20px; height: 20px; flex: none; margin: 1px 0 0; accent-color: var(--accent); }
.deal-back { background: none; border: 0; padding: 0; margin: 0 0 16px; font: 700 .95rem var(--font); color: var(--muted); cursor: pointer; }
.deal-back:hover { color: var(--ink); }
.js .deal-step[data-step="2"], .deal-back { display: none; }
.js .deal.step-2 .deal-step[data-step="1"] { display: none; }
.js .deal.step-2 .deal-step[data-step="2"] { display: block; animation: rise .35s ease both; }
.js .deal.step-2 .deal-back { display: inline-block; }
.deal:not(.step-2) .deal-step[data-step="2"] { margin-top: 18px; }
.js .deal.sent .deal-step { display: none; }
.deal-done[hidden] { display: none; }
.deal-done { text-align: center; padding: 26px 0 14px; animation: rise .4s ease both; }
.done-ic { display: inline-grid; place-items: center; width: 64px; height: 64px; border-radius: 50%; background: #1f9d55; color: #fff; }
.done-ic .tk { width: 32px; height: 32px; }
.done-h { font-weight: 900; font-size: 2.2rem; letter-spacing: -0.03em; color: var(--ink); margin: 14px 0 6px; }

/* live estimate */
.est { margin-top: 16px; padding: 18px 20px; border-radius: 18px; background: var(--ink); color: #fff; animation: rise .3s ease both; }
.est[hidden] { display: none; }
.est-top { display: flex; align-items: baseline; justify-content: space-between; gap: 6px 14px; flex-wrap: wrap; }
.est-top span { font-weight: 600; font-size: .95rem; color: #c9cbd3; }
.est-top b { font-weight: 900; font-size: 2rem; letter-spacing: -0.03em; line-height: 1; font-variant-numeric: tabular-nums; }
.est-bar { height: 12px; border-radius: 999px; background: #3a3c45; margin-top: 14px; overflow: hidden; }
.est-bar i { display: block; height: 100%; border-radius: 999px; background: var(--accent); transition: width .5s cubic-bezier(.2, .8, .2, 1); }
.est-legend { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 6px 16px; margin-top: 10px; font-size: .92rem; font-weight: 600; color: #e7e8ec; }
.est-legend span { display: inline-flex; align-items: center; gap: 8px; }
.est-legend i { width: 10px; height: 10px; border-radius: 50%; background: var(--accent); flex: none; }
.est-legend span + span i { background: #6b6e79; }
.est small { display: block; color: #a9acb6; font-size: .82rem; line-height: 1.45; margin-top: 12px; }
.est-msg { font-weight: 600; font-size: 1rem; line-height: 1.5; }
.est-msg b { color: #fff; font-weight: 800; }
.est-note { display: block; margin-top: 12px; padding-top: 12px; border-top: 1px solid #3a3c45; font-weight: 600; font-size: .95rem; line-height: 1.45; color: #e7e8ec; }

/* ---------- program cards */
.pcards { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 22px; }
.pcard { display: flex; flex-direction: column; text-decoration: none; background: #fff; border: 1px solid var(--line); border-radius: 24px; overflow: hidden; transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease; }
.pcard:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.pcard-img { position: relative; display: block; overflow: hidden; }
.pcard-img img { width: 100%; aspect-ratio: 7 / 5; object-fit: cover; transition: transform .5s ease; }
.pcard:hover .pcard-img img { transform: scale(1.06); }
.pcard-img i { position: absolute; left: 12px; top: 12px; font-style: normal; font-weight: 700; font-size: .82rem; background: #fff; color: var(--ink); padding: 6px 11px; border-radius: 999px; }
.pcard-b { display: flex; flex-direction: column; gap: 6px; padding: 20px 20px 22px; flex: 1; }
.pcard-sit { font-size: .92rem; font-weight: 600; color: var(--muted); }
.pcard-b b { font-weight: 800; font-size: 1.4rem; line-height: 1.15; letter-spacing: -0.022em; color: var(--ink); }
.pcard-max { font-weight: 700; color: var(--ink); background: var(--tint); border-radius: 12px; padding: 9px 12px; margin-top: 8px; font-size: .98rem; }
.pcard-go { display: inline-flex; align-items: center; gap: 6px; font-weight: 800; color: var(--accent-t); margin-top: auto; padding-top: 14px; }
.pcard:hover .arr { transform: translateX(4px); }

/* ---------- deal cards */
.dcards { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 22px; }
.dcard { display: flex; flex-direction: column; text-decoration: none; background: #fff; border: 1px solid var(--line); border-radius: 24px; overflow: hidden; transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease; }
.dcard:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.dcard-img { position: relative; display: block; overflow: hidden; }
.dcard-img img { width: 100%; aspect-ratio: 7 / 5; object-fit: cover; transition: transform .5s ease; }
.dcard:hover .dcard-img img { transform: scale(1.06); }
.dcard-img i { position: absolute; left: 12px; top: 12px; font-style: normal; font-weight: 800; font-size: .76rem; letter-spacing: .05em; text-transform: uppercase; background: var(--ink); color: #fff; padding: 7px 11px; border-radius: 999px; }
.dcard-b { display: flex; flex-direction: column; padding: 20px 20px 22px; flex: 1; }
.dcard-type { font-weight: 800; font-size: .86rem; letter-spacing: .04em; text-transform: uppercase; color: var(--accent-t); }
.dcard-what { font-weight: 600; font-size: .98rem; line-height: 1.5; color: var(--text); margin-top: 4px; min-height: 3em; }
.dcard-loan { display: block; margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--line); }
.dcard-loan small { display: block; font-weight: 600; font-size: .86rem; color: var(--muted); }
.dcard-loan b { display: block; font-weight: 900; font-size: 2.1rem; line-height: 1.1; letter-spacing: -0.03em; color: var(--ink); font-variant-numeric: tabular-nums; }
.dcard dl { margin-top: 12px; }
.dcard dl > div { display: flex; justify-content: space-between; gap: 12px; padding: 7px 0; font-size: .95rem; }
.dcard dt { color: var(--muted); font-weight: 600; }
.dcard dd { color: var(--ink); font-weight: 800; font-variant-numeric: tabular-nums; }
.dcard-note { margin-top: auto; font-weight: 700; font-size: .92rem; color: var(--ink); background: var(--tint); border-radius: 12px; padding: 9px 12px; }
.dcard dl + .dcard-note { margin-top: 14px; }
.deals-note { margin-top: 22px; }
.dcards .rv:nth-child(2) { transition-delay: .08s; }
.dcards .rv:nth-child(3) { transition-delay: .16s; }
.dcards .rv:nth-child(4) { transition-delay: .24s; }

/* ---------- points (rates) */
.points { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.points li { background: #fff; border: 1px solid var(--line); border-radius: 24px; padding: 28px 26px 30px; }
.pt-ic { display: inline-grid; place-items: center; width: 46px; height: 46px; border-radius: 50%; background: var(--accent); color: #fff; }
.pt-ic .tk { width: 24px; height: 24px; }
.points h3 { margin-top: 18px; font-size: 1.35rem; }
.points p { margin-top: 8px; }
.points .rv:nth-child(2) { transition-delay: .08s; }
.points .rv:nth-child(3) { transition-delay: .16s; }

/* ---------- bank vs us */
.versus { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; }
.vs { border-radius: 28px; padding: clamp(24px, 3vw, 40px); }
.vs h3 { display: flex; align-items: center; gap: 12px; font-size: 1.5rem; margin-bottom: 18px; }
.vs li { display: flex; gap: 14px; align-items: flex-start; padding: 15px 0; border-top: 1px solid var(--line); font-weight: 600; font-size: 1.08rem; }
.vs .tk { width: 26px; height: 26px; padding: 5px; border-radius: 50%; margin-top: 1px; }
.vs-bank { background: #fff; border: 1px solid var(--line); }
.vs-bank h3, .vs-bank li { color: var(--muted); }
.vs-bank .tk { background: #ececf0; color: #8b8e99; }
.vs-us { background: var(--ink); color: #fff; box-shadow: var(--shadow); }
.vs-us h3 { color: #fff; }
.vs-us li { border-top-color: #33353d; color: #fff; }
.vs-us .tk { background: var(--accent); color: #fff; }

/* ---------- flip math */
.math { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: clamp(28px, 5vw, 80px); align-items: start; }
.math-pic { position: relative; }
.math-pic img { width: 100%; aspect-ratio: 1; object-fit: cover; border-radius: 30px; }
.math-pic figcaption { position: absolute; left: 16px; right: 16px; bottom: 16px; display: flex; flex-wrap: wrap; gap: 8px; }
.math-pic figcaption span { background: #fff; border-radius: 999px; padding: 9px 15px; font-weight: 600; font-size: .92rem; color: var(--ink); box-shadow: var(--shadow-s); }
.math-pic figcaption b { font-weight: 900; }
.math-pic figcaption span + span b { color: var(--accent-t); }

.ledger-card { border: 1px solid var(--line); border-radius: 22px; padding: 6px 24px; background: #fff; box-shadow: var(--shadow-s); }
.ledger { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; }
.ledger th, .ledger td { padding: 14px 0; border-bottom: 1px solid var(--line); vertical-align: baseline; }
.ledger th { text-align: left; font-weight: 500; color: var(--text); padding-right: 18px; }
.ledger td { text-align: right; font-weight: 700; color: var(--ink); }
.ledger tr.total th, .ledger tr.total td { font-weight: 800; color: var(--ink); font-size: 1.12rem; }
.ledger tr.total td { font-size: 1.6rem; font-weight: 900; letter-spacing: -0.02em; }
.ledger tr.you th, .ledger tr.you td { border-bottom: 0; color: var(--accent-t); font-weight: 800; }
.ledger tr:last-child th, .ledger tr:last-child td { border-bottom: 0; }

/* ---------- term sheet */
.sheet { border: 1px solid var(--line); border-radius: 24px; background: #fff; box-shadow: var(--shadow-s); overflow: hidden; }
.sheet-top { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 4px 16px; padding: 15px 26px; background: var(--ink); color: #fff; font-weight: 800; font-size: .95rem; margin: 0 !important; }
.sheet-top span + span { font-weight: 600; color: #b9bcc6; }
.sheet dl { padding: 4px 26px 8px; }
.sheet dl > div { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 16px; padding: 15px 0; border-bottom: 1px solid var(--line); }
.sheet dl > div:last-child { border-bottom: 0; }
.sheet dt { color: var(--muted); font-weight: 600; font-size: .98rem; }
.sheet dd { font-weight: 800; color: var(--ink); font-size: 1.08rem; line-height: 1.35; }

/* ---------- tables */
.scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--line); border-radius: 20px; }
.grid { width: 100%; border-collapse: collapse; font-size: .97rem; min-width: 560px; }
.grid th, .grid td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: top; }
.grid thead th { font-weight: 700; font-size: .88rem; color: var(--muted); background: var(--soft); }
.grid tbody th { font-weight: 800; color: var(--ink); }
.grid td { color: var(--text); font-weight: 600; }
.grid tbody tr:last-child th, .grid tbody tr:last-child td { border-bottom: 0; }

.swipe { display: none; align-items: center; gap: 6px; font-weight: 700; font-size: .88rem; color: var(--accent-t); margin-bottom: 10px; }
.statepick { display: none; margin-top: 22px; }
.statepick span { display: block; font-weight: 700; font-size: .92rem; color: var(--ink); margin-bottom: 7px; }
.statepick select { width: 100%; height: 54px; padding: 0 38px 0 16px; font: 600 1.02rem/1 var(--font); color: var(--ink); background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%2315161a' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E") no-repeat right 16px center; border: 1.5px solid #d9d9e0; border-radius: 14px; appearance: none; -webkit-appearance: none; }

/* ---------- ticks */
.ticks li { display: flex; gap: 14px; align-items: flex-start; padding: 14px 0; border-bottom: 1px solid var(--line); font-weight: 600; color: var(--ink); }
.ticks li:first-child { padding-top: 0; }
.ticks .tk { width: 26px; height: 26px; padding: 5px; border-radius: 50%; background: var(--tint); color: var(--accent-t); margin-top: 1px; }

/* ---------- steps */
.steps { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 22px; }
.steps li { background: #fff; border-radius: 24px; padding: 26px 24px 28px; border: 1px solid var(--line); }
.s-n { display: inline-grid; place-items: center; width: 46px; height: 46px; border-radius: 50%; background: var(--tint); color: var(--accent-t); font-weight: 900; font-size: 1.25rem; }
.steps h3 { margin-top: 18px; }
.steps p { margin-top: 8px; font-size: 1rem; }

/* ---------- who */
.who { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.who-i { display: flex; flex-direction: column; gap: 8px; text-decoration: none; border: 1px solid var(--line); border-radius: 22px; padding: 22px 24px; transition: border-color .18s ease, box-shadow .18s ease, transform .18s ease; }
.who-i:hover { border-color: transparent; box-shadow: var(--shadow); transform: translateY(-3px); }
.who-i p { font-size: 1rem; }
.who-i .link-go { margin-top: auto; padding-top: 8px; }
.who-i:first-child { grid-column: 1 / -1; background: var(--tint); border-color: transparent; }

/* ---------- where we lend: tile map */
.where { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: clamp(28px, 5vw, 80px); align-items: center; }
.where-copy .intro { margin-top: 16px; }
.legend { margin-top: 24px; display: grid; gap: 10px; font-weight: 600; color: var(--ink); }
.legend li { display: flex; align-items: center; gap: 12px; }
.legend i { width: 22px; height: 22px; border-radius: 6px; background: #ececf1; flex: none; }
.legend .lg-main { background: var(--accent-t); }
.legend .lg-on { background: #ffd9c9; }
.where-links { display: flex; flex-wrap: wrap; gap: 10px 26px; margin-top: 26px; }
.usmap { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); gap: 6px; }
.tile { display: grid; place-items: center; aspect-ratio: 1; border-radius: 9px; background: #ffd9c9; color: #7a2a0a; font-weight: 800; font-size: clamp(.62rem, 1.05vw, .9rem); text-decoration: none; transition: background .15s ease, color .15s ease, transform .15s ease; }
.tile:hover { background: var(--ink); color: #fff; transform: scale(1.12); }
.tile-main { background: var(--accent-t); color: #fff; box-shadow: 0 6px 16px rgba(194, 61, 12, .35); }
.tile-main:hover { background: #a3330a; }
.tile-off, .tile-off:hover { background: #ececf1; color: #a3a6b1; transform: none; cursor: default; }

/* ---------- faq */
.faq details { border-bottom: 1px solid var(--line); }
.faq details:first-child { border-top: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; position: relative; padding: 21px 56px 21px 0; font-weight: 800; font-size: 1.18rem; line-height: 1.3; letter-spacing: -0.012em; color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary i { position: absolute; right: 0; top: 16px; width: 36px; height: 36px; border-radius: 50%; background: var(--soft); transition: background .15s ease, transform .2s ease; }
.faq summary i::before, .faq summary i::after { content: ""; position: absolute; left: 11px; right: 11px; top: 17px; height: 2.4px; border-radius: 2px; background: var(--ink); }
.faq summary i::after { transform: rotate(90deg); transition: transform .2s ease; }
.faq summary:hover i { background: var(--tint); }
.faq details[open] summary i { background: var(--accent); }
.faq details[open] summary i::before, .faq details[open] summary i::after { background: #fff; }
.faq details[open] summary i::after { transform: rotate(0deg); }
.faq .a { padding: 0 56px 22px 0; max-width: 44em; }

/* ---------- closer */
.closer-band { padding-top: clamp(20px, 3vw, 40px) !important; }
.closer { background: var(--ink); color: #d5d7de; border-radius: 36px; padding: clamp(36px, 6vw, 80px); text-align: center; background-image: radial-gradient(60% 120% at 100% 0%, rgba(255, 90, 31, .35), transparent 60%); }
.closer h2 { color: #fff; font-size: clamp(2.1rem, 4.4vw, 3.4rem); }
.closer p { font-size: 1.16rem; margin: 14px auto 28px; max-width: 30em; }

/* ---------- footer */
.foot { background: var(--ink); color: #b8bbc5; padding: 64px 0 44px; font-size: .97rem; }
.foot .brand { color: #fff; }
.foot .brand-t i { color: #ff8a5c; }
.foot-grid { display: grid; grid-template-columns: minmax(0, 3.4fr) repeat(4, minmax(0, 2fr)); gap: 32px; }
.foot h2 { font-weight: 800; font-size: 1rem; letter-spacing: -0.01em; color: #fff; margin-bottom: 16px; }
.foot li + li { margin-top: 11px; }
.foot ul a { text-decoration: none; color: #b8bbc5; font-weight: 500; transition: color .15s ease; }
.foot ul a:hover { color: #fff; }
.foot-tag { margin-top: 16px; max-width: 20em; }
.foot-legal { display: flex; gap: 40px; justify-content: space-between; align-items: flex-start; margin-top: 48px; padding-top: 26px; border-top: 1px solid #2f3139; color: #8d909b; font-size: .84rem; line-height: 1.55; }
.foot-legal p + p { margin-top: 10px; }
.eho-box { display: flex; align-items: center; gap: 10px; flex: none; color: #b8bbc5; font-weight: 700; font-size: .72rem; line-height: 1.2; text-transform: uppercase; letter-spacing: .06em; }
.eho { width: 40px; height: 34px; }

/* ---------- mobile call to action */
.stick { display: none; }

/* ---------- reveal on scroll */
.js .rv { opacity: 0; transform: translateY(22px); transition: opacity .6s ease, transform .6s cubic-bezier(.2, .8, .2, 1); }
.js .rv.in { opacity: 1; transform: none; }
.pcards .rv:nth-child(2), .steps .rv:nth-child(2), .scards .rv:nth-child(2), .versus .rv:nth-child(2) { transition-delay: .08s; }
.pcards .rv:nth-child(3), .steps .rv:nth-child(3), .scards .rv:nth-child(3) { transition-delay: .16s; }
.pcards .rv:nth-child(4), .steps .rv:nth-child(4), .scards .rv:nth-child(4) { transition-delay: .24s; }

/* ---------- responsive */
@media (max-width: 1080px) {
  .nav { display: none; position: fixed; left: 0; right: 0; top: 78px; bottom: 0; background: #fff; flex-direction: column; gap: 0; padding: 8px var(--gut) 32px; overflow-y: auto; margin: 0; }
  .nav.open { display: flex; }
  .nav a { font-weight: 800; font-size: 1.6rem; letter-spacing: -0.02em; color: var(--ink); padding: 18px 0; border-radius: 0; border-bottom: 1px solid var(--line); }
  .nav a:hover, .nav a[aria-current] { background: none; color: var(--accent-t); }
  .nav a.nav-cta { display: none; }
  .burger { display: block; }
  .top-cta { margin-left: auto; }
  .pcards, .dcards { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .foot-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .foot-grid > div:first-child { grid-column: 1 / -1; }
}
@media (max-width: 900px) {
  .hero-grid, .sizer, .math, .where { grid-template-columns: minmax(0, 1fr); }
  .foot-legal { flex-direction: column; gap: 22px; }
  .sizer { display: flex; flex-direction: column; gap: 22px; }
  .sizer-copy { display: contents; }
  .sizer-copy p { display: none; }
  .sizer .formcard { order: 2; }
  .sizer-ticks { order: 3; margin-top: 0; }
  .hero-copy { max-width: none; }
  .pic { margin: 6px 0 0; }
  .pic img { aspect-ratio: 4 / 3; }
  .dealcard { left: 14px; bottom: 14px; }
  .split { grid-template-columns: minmax(0, 1fr); }
  .split > h2 { position: static; }
  .versus { grid-template-columns: minmax(0, 1fr); }
  .math-pic img { aspect-ratio: 16 / 10; }
}
@media (max-width: 600px) {
  body { font-size: 1rem; }
  .stick { display: inline-flex; position: fixed; left: 16px; right: 16px; bottom: 14px; z-index: 40; padding: 17px 24px; box-shadow: 0 10px 30px rgba(21, 22, 26, .35), 0 0 0 6px rgba(255, 255, 255, .85); transform: translateY(160%); transition: transform .3s cubic-bezier(.2, .8, .2, 1); }
  .stick.on { transform: none; }
  .foot { padding-bottom: 104px; }
  .swipe { display: flex; }
  .usmap, .legend { display: none; }
  .statepick { display: block; }
  .scroll { box-shadow: inset -18px 0 14px -14px rgba(21, 22, 26, .22); }
  .top-in { gap: 10px; height: 66px; }
  .nav { top: 66px; }
  .brand { gap: 9px; }
  .mark { width: 38px; height: 38px; }
  .brand-t b { font-size: 1.14rem; }
  .brand-t i { font-size: .58rem; }
  .top-cta { display: none; }
  .burger { margin-left: auto; }
  .nav a.nav-cta { display: flex; justify-content: center; margin-top: 26px; background: var(--accent); color: #fff; border: 0; border-radius: 999px; font-size: 1.2rem; }
  .burger { width: 42px; height: 42px; }
  .burger span:first-child { top: 20px; left: 12px; right: 12px; }
  .hero-cta .btn { width: 100%; }
  .facts { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; margin-top: 30px; padding-top: 22px; }
  .facts dt { font-size: 1.32rem; }
  .facts dd { font-size: .86rem; line-height: 1.3; }
  .pic img { border-radius: 24px; aspect-ratio: 1; }
  .chip { right: 12px; top: 12px; font-size: .8rem; }
  .dealcard { width: calc(100% - 28px); padding: 16px 18px 10px; }
  .sizer { border-radius: 28px; margin: 0 calc(var(--gut) * -0.4); }
  .formcard { border-radius: 22px; }
  .seg-opt span { font-size: .9rem; padding: 11px 2px; }
  .f-grid { grid-template-columns: minmax(0, 1fr); }
  .pcards, .dcards, .steps, .who, .points { grid-template-columns: minmax(0, 1fr); }
  .dcard-what { min-height: 0; }
  .usmap { gap: 4px; }
  .tile { border-radius: 6px; }
  .foot-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .sheet-top, .sheet dl { padding-left: 18px; padding-right: 18px; }
  .sheet dl > div { grid-template-columns: minmax(0, 1fr); gap: 3px; padding: 13px 0; }
  .ledger-card { padding: 4px 18px; }
  .ledger th, .ledger td { display: block; text-align: left; border-bottom: 0; padding: 0; }
  .ledger tr { display: block; padding: 12px 0; border-bottom: 1px solid var(--line); }
  .ledger tr:last-child { border-bottom: 0; }
  .ledger td { margin-top: 3px; }
  .faq summary { font-size: 1.08rem; padding-right: 50px; }
  .faq .a { padding-right: 0; }
  .closer { border-radius: 28px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
  .js .rv { opacity: 1; transform: none; }
  .ticker-in { flex-wrap: wrap; width: auto; justify-content: center; gap: 12px 30px; padding: 0 var(--gut); }
  .ticker span[aria-hidden] { display: none; }
  .ticker { -webkit-mask-image: none; mask-image: none; }
}