:root{--oak:#3D5A35;--oak-dark:#2C4227;--oak-light:#6E8C4A;--cream:#F4EEDD;--cream-2:#FAF7EE;--ink:#1E2A1B;--muted:#535E4D;--line:#E2DBC6;--white:#fff;--radius:16px;--shadow:0 10px 30px rgba(44,66,39,.12);--nav-h:72px;--font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:calc(var(--nav-h) + 16px)}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.65;color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--oak)}
h1,h2,h3{line-height:1.22;color:var(--ink);text-wrap:balance;letter-spacing:-.01em}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}
.skip-link{position:absolute;left:12px;top:-60px;background:var(--oak);color:#fff;padding:10px 16px;border-radius:8px;z-index:2147483001}
.skip-link:focus{top:12px}
.container{width:100%;max-width:1220px;margin:0 auto;padding-inline:24px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--oak-light);outline-offset:2px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:10px 22px;border-radius:12px;background:var(--oak);color:#fff;font-weight:700;text-decoration:none;border:2px solid var(--oak);font-size:16px;line-height:1.2;cursor:pointer;transition:background .15s,border-color .15s}
.btn:hover{background:var(--oak-dark);border-color:var(--oak-dark)}
.btn-lg{min-height:52px;padding:12px 26px;font-size:17px}
.btn-ghost{background:transparent;color:var(--oak)}
.btn-ghost:hover{background:var(--cream);color:var(--oak-dark)}
.btn-block{display:flex;width:100%}
/* header + nav */
.site-header{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.2) blur(6px)}
.nav-wrap{display:flex;align-items:center;min-height:var(--nav-h);gap:24px}
.logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-size:20px;white-space:nowrap;flex:none}
.logo b{color:var(--oak)}
.logo-mark{flex:none}
.primary-nav{display:flex;align-items:center;flex:1;min-width:0}
.nav-list{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.nav-item{position:relative}
.nav-link{display:inline-flex;align-items:center;gap:6px;min-height:44px;padding:8px 12px;border-radius:10px;font:inherit;font-size:15.5px;font-weight:600;color:var(--ink);text-decoration:none;background:none;border:0;cursor:pointer;white-space:nowrap}
.nav-link:hover,.nav-item.open>.nav-link{background:var(--cream);color:var(--oak-dark)}
.caret{width:8px;height:8px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px)}
.dd{position:absolute;top:100%;left:0;margin:0;padding:8px;list-style:none;min-width:240px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:2}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.nav-item:hover>.dd,.nav-item:focus-within>.dd,.nav-item.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.dd a{display:flex;align-items:center;min-height:44px;padding:8px 12px;border-radius:9px;color:var(--ink);text-decoration:none;font-size:15px;font-weight:500}
.dd a:hover{background:var(--cream);color:var(--oak-dark)}
.btn-apply{margin-left:auto;padding-inline:28px}
.primary-nav .nav-list{margin-right:56px}
.menu-toggle{display:none;margin-left:auto;width:46px;height:46px;border:1px solid var(--line);border-radius:12px;background:#fff;cursor:pointer;align-items:center;justify-content:center}
.bars,.bars::before,.bars::after{display:block;width:20px;height:2px;background:var(--ink);border-radius:2px;position:relative}
.bars::before,.bars::after{content:"";position:absolute;left:0}
.bars::before{top:-6px}.bars::after{top:6px}
@media (max-width:1180px) and (min-width:961px){.nav-link{padding:8px 8px;font-size:15px}.primary-nav .nav-list{margin-right:28px}.nav-wrap{gap:16px}}
@media (max-width:960px){
.menu-toggle{display:inline-flex}
.primary-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow);flex-direction:column;align-items:stretch;padding:12px 20px 20px;max-height:calc(100vh - var(--nav-h));overflow:auto}
.primary-nav.open{display:flex}
.primary-nav .nav-list{flex-direction:column;align-items:stretch;margin:0 0 12px}
.nav-link{width:100%;justify-content:space-between;min-height:48px}
.dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;padding:0 0 6px 12px;min-width:0}
.dd::before{display:none}
.nav-item.open>.dd{display:block}
.btn-apply{margin:0;width:100%}
}
/* hero (layout A: contained card) */
.hero{background:var(--cream);padding-block:28px 56px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:48px;align-items:center}
.hero-text{min-width:0}
.breadcrumb ol{display:flex;flex-wrap:wrap;gap:6px;list-style:none;margin:0 0 18px;padding:0;font-size:14px;color:var(--muted)}
.breadcrumb li+li::before{content:"›";margin-right:6px;color:var(--muted)}
.breadcrumb a{color:var(--oak);text-decoration:none;font-weight:600}
.breadcrumb a:hover{text-decoration:underline}
.hero h1{font-size:clamp(30px,3.6vw,46px);margin:0 0 10px}
.updated{margin:0 0 10px;font-size:14px;color:var(--muted)}
.byline{margin:0 0 10px;font-size:15px;color:var(--muted)}
.hero-sub{font-size:18.5px;color:#34402F;margin:0 0 22px;max-width:56ch}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px}
.hero-trust{display:flex;flex-wrap:wrap;gap:8px 22px;list-style:none;margin:20px 0 0;padding:0;font-size:14.5px;color:var(--muted);font-weight:600}
.hero-trust li{display:flex;align-items:center;gap:6px}
.stars{color:#9C7A1E}
.hero-card{margin:0;border-radius:var(--radius);overflow:hidden;box-shadow:0 18px 40px rgba(44,66,39,.18);background:#fff}
.hero-card img{width:100%;height:auto}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:28px}.hero{padding-block:20px 40px}}
/* form card */
.form-section{padding-inline:24px;margin-top:-28px;position:relative}
.form-card{max-width:1020px;margin:0 auto;background:#fff;border-radius:16px;box-shadow:0 8px 28px rgba(44,66,39,.14);padding:34px 32px 30px;border:1px solid var(--line);position:relative;overflow:hidden}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,var(--oak),var(--oak-light))}
.form-title{margin:0 0 6px;font-size:clamp(22px,2.4vw,28px)}
.form-trust{margin:0 0 18px;color:var(--muted);font-size:15px}
.form-embed{position:relative;z-index:1;isolation:isolate;min-height:120px}
@media (max-width:640px){.form-section{padding-inline:16px}.form-card{padding:26px 16px 20px;border-radius:12px}.container{padding-inline:16px}body{font-size:16.5px}}

/* ---- below-the-fold styles ---- */
.band{padding-block:56px 24px}
.band-title{font-size:clamp(24px,2.6vw,32px);margin:0 0 8px}
.band-lead{margin:0 0 24px;color:var(--muted);max-width:70ch}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:52px;padding-block:48px 64px;align-items:start}
.narrow{max-width:860px;padding-block:44px 64px}
.article{min-width:0}
.article>*:first-child{margin-top:0}
.article h2{font-size:clamp(23px,2.3vw,30px);margin:2.1em 0 .55em;scroll-margin-top:calc(var(--nav-h) + 16px)}
.article h3{font-size:20px;margin:1.6em 0 .45em}
.article p,.article li{max-width:72ch}
.article ul,.article ol{padding-left:1.3em}
.article li{margin:.3em 0}
.article .lead{font-size:18.5px;background:var(--cream-2);border:1px solid var(--line);border-radius:14px;padding:18px 22px;text-wrap:balance;max-width:none}
.article .verdict{font-size:18px;font-weight:600;background:#EEF3E9;border:1px solid #CFDDC5;border-radius:14px;padding:16px 20px;text-wrap:balance;max-width:none}
.article a{text-underline-offset:3px;font-weight:600}
.toc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:0 0 28px}
.toc-title{margin:0 0 8px;font-weight:800;font-size:15px;letter-spacing:.06em;text-transform:uppercase;color:var(--oak)}
.toc ol{margin:0;padding-left:1.2em;columns:2;column-gap:32px;font-size:15.5px}
.toc li{break-inside:avoid;margin:.25em 0}
.toc a{color:var(--ink);font-weight:500;text-decoration:none}
.toc a:hover{color:var(--oak);text-decoration:underline}
.table-wrap{overflow-x:auto;margin:1.2em 0;border:1px solid var(--line);border-radius:12px;max-width:100%}
.article table{width:100%;border-collapse:collapse;font-size:15.5px;font-variant-numeric:tabular-nums}
.article th,.article td{padding:10px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.article thead th{background:var(--cream);font-weight:700}
.article tbody tr:last-child td{border-bottom:0}
.article caption{caption-side:top;text-align:left;padding:10px 14px;font-weight:700;color:var(--muted);font-size:14px}
.body-img{margin:2em auto;max-width:440px;border-radius:16px;overflow:hidden;box-shadow:var(--shadow);background:var(--cream)}
.body-img img{width:100%;height:auto}
.fine{font-size:13.5px;color:var(--muted);margin:.6em 0 1.4em}
/* cards */
.card-grid{display:grid;gap:22px;margin:24px 0}
.cols-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.cols-5{grid-template-columns:repeat(5,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;display:flex;flex-direction:column;min-width:0;transition:box-shadow .15s,transform .15s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.card-img{display:block;aspect-ratio:3/2;overflow:hidden;background:var(--cream)}
.card-img img{width:100%;height:100%;object-fit:cover}
.card-body{padding:16px 18px 18px;display:flex;flex-direction:column;gap:6px;flex:1}
.card-body h3{margin:0;font-size:18px}
.card-body h3 a{color:var(--ink);text-decoration:none}
.card-body h3 a:hover{color:var(--oak)}
.card-body p{margin:0;font-size:15px;color:var(--muted)}
.card-tag{font-size:12.5px !important;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--oak) !important}
.card-meta{font-weight:700;color:var(--oak-dark) !important;margin-top:auto !important;padding-top:6px}
.article .card-grid h3{margin:0}
.term-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:22px 0 8px}
.term-card{background:var(--cream-2);border:1px solid var(--line);border-radius:16px;padding:20px;text-align:center}
.term-card p{margin:0;max-width:none}
.term-len{font-weight:800;color:var(--oak);text-transform:uppercase;letter-spacing:.05em;font-size:14px}
.term-pay{font-size:34px;font-weight:800;margin:6px 0 !important;font-variant-numeric:tabular-nums}
.term-pay span{font-size:16px;font-weight:600;color:var(--muted)}
.term-total{font-size:15px;color:var(--ink)}
.term-note{font-size:13px;color:var(--muted);margin-top:4px !important}
/* reviews */
.reviews-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:24px 0}
.review{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;display:flex;flex-direction:column;gap:6px;min-width:0}
.review h3{margin:0;font-size:17px}
.review p{margin:0;font-size:15px}
.review-stars{color:#9C7A1E;letter-spacing:2px;font-size:16px}
.review-meta{color:var(--muted);font-size:13.5px !important;margin-top:auto !important;padding-top:4px}
/* lenders */
.lender{border:1px solid var(--line);border-radius:14px;padding:4px 20px 12px;margin:18px 0;background:#fff}
.lender h3{margin-top:14px}
/* glossary, faq */
.glossary dt{font-weight:800;font-size:18px;margin-top:18px;color:var(--oak-dark);scroll-margin-top:calc(var(--nav-h) + 16px)}
.glossary dd{margin:4px 0 0;max-width:72ch}
details{border:1px solid var(--line);border-radius:12px;padding:0 18px;margin:10px 0;background:#fff}
details[open]{background:var(--cream-2)}
summary{cursor:pointer;font-weight:700;padding:14px 0;min-height:44px;list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:22px;color:var(--oak);flex:none}
details[open] summary::after{content:"–"}
details p{margin:0 0 14px}
.mini-faq{margin-top:2.4em}
ol.steps{counter-reset:s;list-style:none;padding:0}
ol.steps>li{counter-increment:s;position:relative;padding:14px 16px 14px 62px;border:1px solid var(--line);border-radius:14px;margin:12px 0;background:#fff;max-width:none}
ol.steps>li::before{content:counter(s);position:absolute;left:16px;top:14px;width:32px;height:32px;border-radius:50%;background:var(--oak);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
/* blog extras */
.author-box{margin-top:40px;padding:22px;border:1px solid var(--line);border-radius:16px;background:var(--cream-2)}
.author-box p{margin:0 0 6px;max-width:none}
.author-name{font-weight:800;font-size:18px}
.author-role{color:var(--oak);font-weight:600}
.share{margin-top:28px}
.share-title,.related-title{font-weight:800;margin:0 0 10px}
.share-row{display:flex;flex-wrap:wrap;gap:10px}
.share-btn{display:inline-flex;align-items:center;min-height:44px;padding:8px 16px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink) !important;text-decoration:none;font:inherit;font-size:15px;font-weight:600 !important;cursor:pointer}
.share-btn:hover{border-color:var(--oak);color:var(--oak) !important}
.related{margin-top:36px}
/* sidebar */
.sidebar{display:flex;flex-direction:column;gap:18px;min-width:0}
.sbox{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 18px 16px;font-size:15px}
.sbox p{margin:0 0 8px}
.sbox p:last-child{margin-bottom:0}
.sbox-title{font-weight:800;font-size:16px;color:var(--ink);margin:0 0 10px !important}
.sbox-cta{background:var(--oak);border-color:var(--oak);color:#fff}
.sbox-cta .sbox-title,.sbox-cta p{color:#fff}
.sbox-cta .btn{background:#fff;color:var(--oak-dark);border-color:#fff}
.sbox-cta .btn:hover{background:var(--cream);border-color:var(--cream)}
.sbox-sticky{position:sticky;top:calc(var(--nav-h) + 20px)}
.sb-links,.sb-list,.sb-check{list-style:none;margin:0;padding:0}
.sb-links li a{display:flex;align-items:center;min-height:40px;padding:6px 0;border-bottom:1px solid var(--line);color:var(--ink);text-decoration:none;font-weight:600}
.sb-links li:last-child a{border-bottom:0}
.sb-links a:hover{color:var(--oak)}
.sb-list li{padding:5px 0;border-bottom:1px dashed var(--line)}
.sb-list li:last-child{border-bottom:0}
.sb-check li{padding:4px 0 4px 26px;position:relative}
.sb-check li::before{content:"";position:absolute;left:4px;top:11px;width:10px;height:6px;border-left:2px solid var(--oak);border-bottom:2px solid var(--oak);transform:rotate(-45deg)}
.sb-steps{margin:0;padding-left:1.2em}
.sb-steps li{padding:3px 0}
.sb-table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums;font-size:14.5px}
.sb-table th,.sb-table td{padding:6px 4px;border-bottom:1px solid var(--line);text-align:left}
.sb-small{font-size:13px;color:var(--muted)}
.sb-rating{font-size:17px}
.sb-quote{margin:0}
.sb-quote p{font-style:italic}
.sb-quote footer{font-size:13.5px;color:var(--muted)}
/* calculator */
.calc{border:1px solid var(--line);border-radius:18px;padding:24px;background:var(--cream-2);margin:24px 0}
.calc-form{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.calc-field{display:flex;flex-direction:column;gap:8px;min-width:0}
.calc-field label{font-weight:700;display:flex;justify-content:space-between;gap:8px}
.calc-field output{color:var(--oak);font-variant-numeric:tabular-nums}
.calc-field input[type=range]{width:100%;accent-color:var(--oak);min-height:44px}
.calc-field select,.calc-field input[type=number]{min-height:46px;border:1px solid #C9C0A6;border-radius:10px;padding:8px 12px;font:inherit;background:#fff;width:100%}
.calc-results{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:20px 0 8px}
.calc-stat{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px}
.calc-stat p{margin:0;max-width:none}
.calc-label{font-size:13.5px;color:var(--muted);font-weight:600}
.calc-value{font-size:30px;font-weight:800;color:var(--oak-dark);font-variant-numeric:tabular-nums}
.calc-value.small{font-size:24px}
.calc .table-wrap{background:#fff}
/* sitemap list */
.sitemap-list{columns:2;column-gap:32px}
.sitemap-list li{break-inside:avoid}
/* CTA zone */
.cta-zone{background:var(--oak);color:#fff;padding-block:52px}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap}
.cta-inner h2{color:#fff;margin:0 0 8px;font-size:clamp(24px,2.6vw,32px)}
.cta-inner p{margin:0;color:#E6EEDF;max-width:60ch}
.cta-actions{display:flex;gap:12px;flex-wrap:wrap}
.btn-light{background:#fff;color:var(--oak-dark);border-color:#fff}
.btn-light:hover{background:var(--cream);border-color:var(--cream);color:var(--oak-dark)}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.75)}
.btn-outline-light:hover{background:rgba(255,255,255,.12);border-color:#fff}
/* footer */
.site-footer{background:#1F2B1C;color:#D9E0D2;font-size:15px}
.footer-photo{height:200px;overflow:hidden}
.footer-photo img{width:100%;height:100%;object-fit:cover;object-position:center 60%}
.footer-grid{display:grid;grid-template-columns:1.5fr repeat(4,minmax(0,1fr));gap:32px;padding-block:44px 28px}
.logo-footer{color:#fff}
.logo-footer b{color:#B9CFA8}
.footer-brand p{margin:12px 0}
.footer-brand address{font-style:normal;display:flex;flex-direction:column;gap:2px}
.site-footer a{color:#E8EEE2;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.footer-title{font-weight:800;color:#fff;margin:4px 0 10px;font-size:15px;letter-spacing:.05em;text-transform:uppercase}
.footer-col ul{list-style:none;margin:0;padding:0}
.footer-col li a{display:inline-flex;align-items:center;min-height:36px}
.footer-legal{border-top:1px solid rgba(255,255,255,.14);padding-block:22px 34px;font-size:13.5px;color:#C2CCBA}
.footer-legal p{margin:0 0 10px}
.footer-legal a{text-decoration:underline}
.copy{color:#AFBAA6}
.to-top{position:fixed;right:20px;bottom:20px;width:48px;height:48px;border-radius:50%;border:0;background:var(--oak);color:#fff;font-size:22px;box-shadow:var(--shadow);cursor:pointer;opacity:0;visibility:hidden;transition:opacity .2s,visibility .2s;z-index:50}
.to-top.show{opacity:1;visibility:visible}
@media (max-width:1100px){.cols-5{grid-template-columns:repeat(5,minmax(0,1fr));gap:14px}.cols-5 .card-body{padding:12px}.cols-5 .card-body h3{font-size:16px}}
@media (max-width:1020px){
.layout{grid-template-columns:1fr;gap:36px}
.box-x{display:none}
.sbox-sticky{position:static}
.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
.footer-brand{grid-column:1/-1}
.reviews-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
.blog-cards{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:860px){.cols-5{grid-template-columns:1fr}.cols-5 .card{flex-direction:row}.cols-5 .card-img{width:42%;flex:none;aspect-ratio:auto}.cols-5 .card-body h3{font-size:18px}}
@media (max-width:700px){
.cols-3,.cols-2,.reviews-grid,.blog-cards,.term-grid,.calc-form,.calc-results{grid-template-columns:1fr}
.toc ol,.sitemap-list{columns:1}
.cta-inner{flex-direction:column;align-items:flex-start}
.footer-grid{grid-template-columns:1fr}
.footer-photo{height:140px}
}
@media (prefers-reduced-motion:reduce){*{transition:none !important;scroll-behavior:auto !important}}
@media (max-width:1020px){.toc a,.breadcrumb a{display:inline-flex;align-items:center;min-height:44px}.toc li{margin:0}.footer-col li a,.sb-links li a{min-height:44px}.sitemap-list a{display:inline-flex;align-items:center;min-height:44px}}
ol.steps>li strong{display:block;margin-bottom:2px}
.breadcrumb ol{align-items:center}