:root{
  --mint:#22F1DB; --mint-btn:#1CE8C2; --mint-dark:#0FCFAB; --mint-light:#DFFBF5; --mint-tint:#F2FDFA; --mint-text:#0A8F76;
  --ink:#0B0B0B; --ink-2:#2B2B2B; --muted:#5C6168; --line:#E6E8EA; --bg:#FFFFFF;
  --display:"Manrope","Segoe UI",system-ui,sans-serif;
  --body:"Inter","Segoe UI",system-ui,sans-serif;
  --container:1120px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;overflow-x:hidden}
section[id]{scroll-margin-top:84px}
body{font-family:var(--body);color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:clip}
a{color:inherit;text-decoration:none}
img,svg{display:block}
button{font:inherit;color:inherit}
ul{list-style:none}
.container{width:min(var(--container),calc(100% - 48px));margin-inline:auto}
h1,h2,h3{font-family:var(--display);font-weight:800;line-height:1.15;letter-spacing:-.02em}
h2{font-size:clamp(26px,3vw,36px);text-wrap:balance}
h3{font-size:16px;font-weight:700}
p{color:var(--muted);font-size:14px}
.center{text-align:center}
.hl{color:var(--mint-text)}
.sec-head{max-width:600px;margin:0 auto 46px}
.sec-head p{margin-top:16px}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:13px 28px;border-radius:999px;font-weight:600;font-size:14px;background:var(--mint-btn);color:var(--ink);border:1.5px solid var(--mint-btn);cursor:pointer;white-space:nowrap;transition:background .2s,transform .2s,box-shadow .2s}
.btn:hover{background:var(--mint-dark);border-color:var(--mint-dark);transform:translateY(-2px);box-shadow:0 12px 26px rgba(28,232,194,.35)}
.btn--dark{background:var(--ink);border-color:var(--ink);color:#fff}
.btn--dark:hover{background:#222;border-color:#222;box-shadow:0 12px 26px rgba(0,0,0,.2)}
.btn--ghost{background:transparent;border-color:var(--ink);color:var(--ink)}
.btn--ghost:hover{background:var(--ink);color:#fff;box-shadow:none}
.btn--sm{padding:10px 22px;font-size:13px}

/* In-text links: inherit the text colour, marked by a mint underline */
.tlink{color:inherit;text-decoration:underline;text-decoration-color:var(--mint-dark);text-decoration-thickness:1.5px;text-underline-offset:3px;transition:color .15s,text-decoration-color .15s}
.tlink:hover{color:var(--mint-text);text-decoration-color:currentColor}
.calc .tlink,.calc__trust a{text-decoration-color:rgba(11,11,11,.45)}
.calc__result .tlink{text-decoration-color:rgba(255,255,255,.5)}
.calc__result .tlink:hover,.pc__verdict .tlink:hover{color:#0EF2E6}
.calc__trust a{text-decoration:underline;text-decoration-thickness:1.5px;text-underline-offset:3px}
.calc__trust a:hover{text-decoration-color:var(--ink)}
.fcard__uses{font-size:12px !important;margin-top:8px !important}
.service__more{margin-top:14px;font-size:13px}
.reviews__more{text-align:center;margin:22px auto 0;font-size:14px;max-width:none}

/* ===================== NAV ===================== */
.nav{position:absolute;top:0;left:0;right:0;z-index:60;padding:24px 0}
/* pinned = lifted out of the page and fixed to the top; hidden = slid up out of view */
.nav.is-pinned{position:fixed;padding:14px 0;background:rgba(255,255,255,.94);-webkit-backdrop-filter:saturate(160%) blur(12px);backdrop-filter:saturate(160%) blur(12px);box-shadow:0 1px 0 var(--line),0 10px 30px rgba(0,0,0,.06);transition:transform .32s cubic-bezier(.2,.7,.2,1)}
.nav.is-pinned.is-hidden{transform:translateY(-105%)}
.nav .container{display:flex;align-items:center;justify-content:space-between;gap:24px}
.logo{display:flex;align-items:center;gap:8px;font-family:var(--display);font-weight:800;font-size:22px;letter-spacing:-.02em}
.logo svg{width:30px;height:30px}
.nav__links{display:flex;align-items:center;gap:6px;font-size:13.5px;font-weight:600}
.nav__end{display:flex;align-items:center;gap:10px}
.nav__plain,.nav__btn{display:inline-flex;align-items:center;gap:6px;padding:9px 14px;border-radius:999px;font:inherit;color:var(--ink);background:none;border:0;cursor:pointer;transition:background .18s}
.nav__plain:hover,.nav__btn:hover,.has-drop.is-open .nav__btn{background:rgba(11,11,11,.08)}
.nav__btn .chev{width:14px;height:14px;fill:none;stroke:currentColor;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round;transition:transform .2s}
.has-drop.is-open .chev{transform:rotate(180deg)}

/* dropdown panels */
.nav__item{position:relative}
.drop{position:absolute;top:calc(100% + 12px);left:50%;width:348px;padding:8px;background:#fff;border:1px solid var(--line);border-radius:20px;
  box-shadow:0 24px 60px rgba(0,0,0,.14);opacity:0;visibility:hidden;transform:translate(-50%,6px);transition:opacity .16s,transform .16s,visibility 0s .16s}
.drop::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.has-drop.is-open .drop{opacity:1;visibility:visible;transform:translate(-50%,0);transition:opacity .16s,transform .16s}
.drop__link{display:grid;grid-template-columns:auto 1fr;gap:13px;align-items:center;padding:10px;border-radius:14px;transition:background .15s}
.drop__link:hover,.drop__link:focus-visible{background:var(--mint-tint)}
.drop__ico{width:40px;height:40px;border-radius:12px;background:var(--mint-light);display:grid;place-items:center;flex:none;transition:background .15s}
.drop__link:hover .drop__ico{background:var(--mint-btn)}
.drop__ico svg{width:20px;height:20px;fill:none;stroke:var(--ink);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.drop__link b{display:block;font-family:var(--display);font-weight:700;font-size:14.5px;letter-spacing:-.01em;line-height:1.3}
.drop__link small{display:block;font-size:12px;font-weight:400;color:var(--muted);line-height:1.4;margin-top:1px}
.drop__all{display:flex;align-items:center;justify-content:space-between;margin:6px 2px 2px;padding:12px 14px;border-radius:12px;background:#F4F5F6;font-size:13px;font-weight:600;transition:background .15s}
.drop__all:hover{background:var(--ink);color:#fff}
.drop__all svg,.mmenu__all svg{width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}

/* menu button (shown on tablets and phones) */
.nav__burger{display:none;width:42px;height:42px;border-radius:50%;border:0;background:#fff;cursor:pointer;place-items:center;box-shadow:0 2px 10px rgba(0,0,0,.08);transition:background .18s}
.nav__burger:hover{background:var(--mint-light)}
.nav__burger svg{width:20px;height:20px;fill:none;stroke:var(--ink);stroke-width:2.2;stroke-linecap:round}
.nav.is-pinned .nav__burger{background:#F1F3F4;box-shadow:none}

/* ===================== MOBILE MENU ===================== */
.mmenu{position:fixed;inset:0;z-index:100;display:flex;flex-direction:column;background:#fff;height:100vh;height:100dvh;
  opacity:0;transform:translateY(12px);transition:opacity .22s,transform .22s}
.mmenu[hidden]{display:none}
.mmenu.is-open{opacity:1;transform:none}
.mmenu__top{flex:none;display:flex;align-items:center;justify-content:space-between;padding:calc(14px + env(safe-area-inset-top,0px)) 24px 14px;border-bottom:1px solid var(--line)}
.mmenu__close{width:42px;height:42px;border-radius:50%;border:0;background:#F1F3F4;cursor:pointer;display:grid;place-items:center;transition:background .18s}
.mmenu__close:hover{background:var(--mint-light)}
.mmenu__close svg{width:18px;height:18px;fill:none;stroke:var(--ink);stroke-width:2.4;stroke-linecap:round}
/* only this part scrolls */
.mmenu__body{flex:1 1 auto;min-height:0;overflow-y:auto;overscroll-behavior:contain;-webkit-overflow-scrolling:touch;padding:8px 14px 24px}
.mmenu__group{padding:16px 0 10px;border-bottom:1px solid var(--line)}
.mmenu__group:last-child{border-bottom:0}
.mmenu__h{font-family:var(--body);font-size:12.5px;font-weight:600;letter-spacing:0;color:var(--muted);padding:0 10px;margin-bottom:6px}
.mmenu__link{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:center;padding:10px;border-radius:14px;min-height:60px}
.mmenu__link:active{background:var(--mint-tint)}
.mmenu__link .drop__ico{width:44px;height:44px;border-radius:13px}
.mmenu__link b{display:block;font-family:var(--display);font-weight:700;font-size:16px;letter-spacing:-.01em;line-height:1.3}
.mmenu__link small{display:block;font-size:12.5px;color:var(--muted);line-height:1.4;margin-top:1px}
.mmenu__all{display:flex;align-items:center;justify-content:space-between;margin:6px 10px 6px;padding:13px 16px;border-radius:12px;background:#F4F5F6;font-size:13.5px;font-weight:600}
.mmenu__group--plain{padding-top:10px}
/* pinned to the bottom of the screen, never pushed away by the list */
.mmenu__foot{flex:none;position:relative;background:#fff;border-top:1px solid var(--line);padding:14px 16px calc(14px + env(safe-area-inset-bottom,0px))}
/* soft fade so the list appears to slide under the bar */
.mmenu__foot::before{content:"";position:absolute;left:0;right:0;bottom:100%;height:28px;margin-bottom:1px;background:linear-gradient(to top,#fff,rgba(255,255,255,0));pointer-events:none}
.mmenu__foot .btn{width:100%;padding:15px;font-size:15px;background:var(--ink);border-color:var(--ink);color:#fff}
.mmenu__foot .btn:hover{transform:none;box-shadow:none;background:#222;border-color:#222}
.mmenu__foot .btn svg{width:17px;height:17px;fill:none;stroke:#0EF2E6;stroke-width:2.3;stroke-linecap:round;stroke-linejoin:round}
.mmenu__foot p{margin-top:9px;text-align:center;font-size:11.5px;color:var(--muted);max-width:none}
html.menu-open{overflow:hidden}

@media (min-width:1025px){.mmenu{display:none !important}}

/* phones: the top bar carries only the logo and the menu button */
@media (max-width:760px){.nav__end .btn{display:none}}

/* ===================== HERO (photo) ===================== */
.hero{position:relative;background:var(--mint);overflow:hidden}
.hero__img{display:block;width:100%;height:auto}
.hero__content{position:relative;z-index:2;padding-top:96px}
.hero__text{padding:36px 0 40px}
.hero h1{font-size:clamp(36px,4.2vw,54px);max-width:15ch;text-wrap:balance}
.hero__lead{margin:20px 0 30px;max-width:42ch;color:var(--ink-2);font-size:16px}
.stores{display:flex;gap:14px;flex-wrap:wrap}
.store{display:inline-flex;align-items:center;gap:10px;padding:10px 24px 10px 18px;border-radius:999px;background:var(--ink);color:#fff;font-size:14px;font-weight:600;line-height:1.1;transition:transform .2s,box-shadow .2s}
.store:hover{transform:translateY(-2px);box-shadow:0 12px 26px rgba(0,0,0,.2)}
.store svg{width:18px;height:18px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.store small{display:block;font-size:10px;font-weight:400;opacity:.8;margin-bottom:3px}
.store--light{background:#fff;color:var(--ink)}
.store--light svg{stroke:var(--ink)}
.hero__facts{display:flex;gap:28px;flex-wrap:wrap;margin-top:30px}
.hero__facts li{font-size:12px;color:var(--ink-2);line-height:1.35}
.hero__facts b{display:block;font-family:var(--display);font-weight:800;font-size:18px;color:var(--ink);letter-spacing:-.01em}

/* wide screens: text sits over the photo's open mint area.
   Height grows with width so the phone never reaches the text column. */
@media (min-width:1240px){
  .hero{min-height:clamp(780px,calc(57.6vw + 57px),1000px)}
  .hero__img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:right bottom;z-index:0}
  .hero__text{max-width:480px;padding:24px 0 0}
  .hero h1{font-size:clamp(40px,3.9vw,50px)}
  .hero__facts{margin-top:24px}
}
/* small laptops and landscape tablets: same overlay as desktop, with a narrower text column.
   Height follows width so the phone and its card stay clear of the text. */
@media (min-width:980px) and (max-width:1239px){
  .hero{min-height:clamp(650px,calc(115.2vw - 514px),780px)}
  .hero__img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:right bottom;z-index:0}
  .hero__text{max-width:410px;padding:14px 0 0}
  .hero h1{font-size:40px}
  .hero__lead{font-size:15.5px;margin:16px 0 24px;max-width:380px}
  .stores{gap:10px}
  .store{padding:9px 18px 9px 14px;font-size:13.5px}
  .hero__facts{flex-wrap:nowrap;gap:16px;margin-top:20px}
  .hero__facts b{font-size:16px}
  .hero__facts li{font-size:11.5px;white-space:nowrap}
}
/* portrait tablets: text first, then the photo pulled up so the phone rises beside the text */
@media (max-width:979px){
  .hero__text{padding-bottom:10px;max-width:440px}
  .hero__img{aspect-ratio:3/2;object-fit:cover;object-position:right bottom;margin-top:-110px}
}
/* phones: photo sits fully below the text */
@media (max-width:760px){
  .hero__text{max-width:none}
  .hero__img{aspect-ratio:1/1;object-position:88% bottom;margin-top:0}
}

/* ===================== LOAN PRODUCTS ===================== */
.features{padding:90px 0 100px}
.fgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;align-items:stretch}
.fcard{position:relative;border:1px solid var(--line);border-radius:12px;padding:34px 22px 26px;text-align:center;transition:transform .25s,box-shadow .25s,border-color .25s;background:#fff;display:flex;flex-direction:column}
.fcard:hover{transform:translateY(-6px);box-shadow:0 20px 44px rgba(0,0,0,.08);border-color:var(--mint-btn)}
.fcard svg{width:48px;height:48px;margin:0 auto 22px;stroke:var(--ink);fill:none;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.fcard svg .fill{fill:var(--mint-btn);stroke:none}
.fcard__amt{font-family:var(--display);font-weight:800;font-size:22px;letter-spacing:-.02em;margin-top:8px;line-height:1.1}
.fcard p{font-size:12.5px;margin-top:10px}
.fcard ul{margin-top:18px;padding-top:6px;border-top:1px solid var(--line);text-align:left;flex:1}
.fcard li{display:flex;justify-content:space-between;gap:10px;font-size:11.5px;padding:8px 0;border-bottom:1px dashed var(--line);color:var(--muted)}
.fcard li:last-child{border-bottom:0}
.fcard li b{color:var(--ink);font-weight:600;text-align:right}
.fcard--main{border:2px solid var(--ink);background:var(--mint-tint)}
.fcard--main:hover{border-color:var(--ink)}
.fcard--main ul,.fcard--main li{border-color:#CDEFE7}
.fcard__tag{position:absolute;top:-12px;left:50%;transform:translateX(-50%);white-space:nowrap;font-size:10px;font-weight:700;padding:4px 12px;border-radius:999px;background:var(--ink);color:#fff}
.fcard .btn{margin-top:18px;width:100%}
.features__note{margin:34px auto 0;max-width:62ch;font-size:12px}

/* ===================== HOW IT WORKS ===================== */
.service{padding:40px 0 120px;overflow:hidden}
.service .container{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.service__media{display:flex;justify-content:center;align-items:flex-end}
.service__media img{width:100%;max-width:480px;height:auto;-webkit-mask-image:linear-gradient(to bottom,#000 88%,transparent);mask-image:linear-gradient(to bottom,#000 88%,transparent)}
.service h2{max-width:16ch;margin-bottom:30px}
.srow{display:grid;grid-template-columns:auto 1fr;gap:18px;align-items:start;margin-bottom:24px}
.sico{width:38px;height:38px;border-radius:50%;background:var(--mint-btn);display:grid;place-items:center;border:2px solid var(--ink);font-family:var(--display);font-weight:800;font-size:15px}
.sico svg{width:16px;height:16px;stroke:var(--ink);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.srow p{font-size:13px;max-width:40ch;margin-top:2px}
.service .btn{margin-top:14px}

/* ===================== RATES ===================== */
.stats{padding:40px 0 40px}
.stats__cols{display:grid;grid-template-columns:1fr 1.1fr;gap:60px;align-items:center}
.compose{position:relative;height:380px}
.ui{position:absolute;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 18px 40px rgba(0,0,0,.08)}
.ui--tasks{left:80px;top:20px;width:320px;padding:16px 18px}
.ui__head{display:flex;justify-content:space-between;align-items:center;font-size:12px;font-weight:700;margin-bottom:12px}
.ui__head .chip{font-size:10px;font-weight:600;padding:3px 9px;border-radius:999px;background:var(--mint-light);color:var(--mint-text)}
.task{display:flex;gap:10px;align-items:center;padding:9px 10px;border-radius:10px;background:#F6F7F8;margin-bottom:6px;font-size:11px;line-height:1.3}
.task:last-child{margin-bottom:0}
.task i{width:16px;height:16px;border-radius:50%;background:var(--mint-btn);flex:none;display:grid;place-items:center;font-size:9px;font-style:normal;font-weight:700}
.task span{flex:1;color:var(--ink-2)}
.task b{font-family:var(--display);font-weight:800;font-size:12px;white-space:nowrap}
.ui--diamond{left:40px;top:50px;width:46px;height:46px;border-radius:12px;background:var(--ink);border:0;transform:rotate(45deg);display:grid;place-items:center;z-index:2}
.ui--diamond svg{width:18px;height:18px;transform:rotate(-45deg);stroke:var(--mint);fill:none;stroke-width:2;stroke-linecap:round}
.ui--bars{left:30px;bottom:6px;padding:12px 14px;display:flex;gap:6px;align-items:flex-end;height:70px}
.ui--bars i{width:7px;border-radius:3px;background:var(--mint-btn);display:block}
.ui--bars i:nth-child(2n){background:var(--ink)}
.ui--apr{right:10px;bottom:0;padding:12px 16px;font-size:10px;color:var(--muted)}
.ui--apr b{display:block;font-family:var(--display);font-size:18px;font-weight:800;color:var(--ink);line-height:1.1;margin-top:3px}
.stats__grid{display:grid;grid-template-columns:auto 1fr;gap:40px 50px}
.num{font-family:var(--display);font-weight:800;font-size:28px;color:var(--ink);line-height:1;white-space:nowrap}
.num small{display:block;font-family:var(--body);font-weight:400;font-size:12px;color:var(--muted);margin-top:8px;line-height:1.4;white-space:normal}
.num::before{content:"";display:block;width:36px;height:4px;border-radius:2px;background:var(--mint-btn);margin-bottom:12px}
.flist{display:grid;gap:22px}
.flist h3{font-size:14px;margin-bottom:4px}
.flist p{font-size:12px;max-width:34ch}
.example{margin-top:46px;padding:18px 22px;border-radius:14px;background:var(--mint-tint);border:1px solid #CDEFE7;font-size:13px;color:var(--ink-2)}
.example b{color:var(--ink)}

/* ===================== CALCULATOR (wave background) ===================== */
.calc{
  --wave-mint:#0EF2E6;
  position:relative;
  padding:calc(8.9vw + 40px) 0 calc(14.4vw + 30px);
  /* The mint fill is a layer that stops short of the section's top and bottom edges (it hides under the
     wave images), and the section's own colour is white. Nothing mint ever touches the edge, so no
     hairline can show at any zoom level. */
  background:
    url(../images/calc-wave-top.webp) center top / 100% auto no-repeat,
    url(../images/calc-wave-bottom.webp) center bottom / 100% auto no-repeat,
    linear-gradient(var(--wave-mint),var(--wave-mint)) center / 100% calc(100% - 48px) no-repeat,
    #fff;
}
.calc .sec-head{margin-bottom:36px}
.calc .sec-head p{color:var(--ink-2)}
.calc__pill{display:inline-block;background:#fff;color:var(--ink);font-size:12px;font-weight:700;padding:6px 14px;border-radius:999px;margin-bottom:16px;box-shadow:0 6px 16px rgba(0,80,70,.14)}
.calc__card{display:grid;grid-template-columns:1.15fr 1fr;gap:12px;background:#fff;border-radius:28px;padding:12px;box-shadow:0 30px 70px rgba(0,90,80,.22)}
.calc__panel{padding:26px 26px 22px}
.field{margin-bottom:28px}
.field:last-child{margin-bottom:0}
.field__top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:12px}
.field__top label{font-size:13px;font-weight:600}
.field__top output{font-family:var(--display);font-weight:800;font-size:22px;letter-spacing:-.01em}
.field__ends{display:flex;justify-content:space-between;font-size:11px;color:var(--muted);margin-top:8px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:3px;background:linear-gradient(to right,var(--mint-btn) 0 var(--p,50%),#EEF0F2 var(--p,50%) 100%);outline-offset:6px;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:6px solid var(--mint-text);box-shadow:0 2px 6px rgba(0,0,0,.18)}
input[type=range]::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:#fff;border:6px solid var(--mint-text);box-shadow:0 2px 6px rgba(0,0,0,.18)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.chips button{border:0;background:#F1F3F4;color:var(--ink);padding:8px 15px;border-radius:999px;font-size:12px;font-weight:700;cursor:pointer;transition:background .15s,transform .15s}
.chips button:hover{background:var(--mint-light)}
.chips button.is-on{background:#A6F8EF}
.calc__result{border-radius:20px;padding:30px;background:var(--ink);color:#fff;display:flex;flex-direction:column}
.calc__result p{color:rgba(255,255,255,.65);font-size:12px}
.calc__big{font-family:var(--display);font-weight:800;font-size:56px;line-height:1;letter-spacing:-.03em;color:var(--wave-mint);margin:8px 0 22px}
.calc__big small{font-family:var(--body);font-size:14px;font-weight:500;color:rgba(255,255,255,.6);letter-spacing:0;margin-left:4px}
.calc__row{display:flex;justify-content:space-between;padding:12px 0;border-top:1px solid rgba(255,255,255,.14);font-size:13px}
.calc__row span{color:rgba(255,255,255,.65)}
.calc__row b{font-weight:600}
.calc__row--last{margin-bottom:22px}
.calc__result .btn{margin-top:auto;background:var(--wave-mint);border-color:var(--wave-mint)}
.calc__result .btn svg{width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.calc__fine{margin-top:16px;font-size:11px !important}
.calc__trust{display:flex;justify-content:center;flex-wrap:wrap;gap:12px 36px;margin-top:30px}
.calc__trust li{display:flex;align-items:center;gap:8px;font-size:13px;font-weight:600;color:var(--ink)}
.calc__trust svg{width:18px;height:18px;fill:none;stroke:var(--ink);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

/* ===================== REVIEWS (amount wall) ===================== */
.reviews{padding:30px 0 95px;background:#fff}
.reviews__head{text-align:center;max-width:620px;margin:0 auto}
.reviews__head h2{font-size:clamp(26px,3.2vw,36px)}
.reviews__rate{display:flex;align-items:center;justify-content:center;gap:12px;margin:16px 0 38px;flex-wrap:wrap}
.reviews__rate b{font-family:var(--display);font-weight:800;font-size:22px}
.reviews__rate span{font-size:13px;color:var(--muted)}
.stars{display:inline-flex;gap:3px}
.stars>*{width:19px;height:19px;border-radius:3px;background:#DCDFE2;position:relative;display:block}
.stars>*::after{content:"";position:absolute;inset:3px;background:#fff;clip-path:polygon(50% 0,61% 35%,98% 35%,68% 57%,79% 91%,50% 70%,21% 91%,32% 57%,2% 35%,39% 35%)}
.stars>.on{background:var(--mint-text)}
.stars>.half{background:linear-gradient(to right,var(--mint-text) 50%,#DCDFE2 50%)}
.stars--lg>*{width:27px;height:27px;border-radius:4px}
.stars--lg>*::after{inset:4px}
.reviews__wall{columns:3;column-gap:16px}
.review{break-inside:avoid;margin:0 0 16px;background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden}
.review__amt{display:flex;align-items:baseline;justify-content:space-between;gap:10px;padding:16px 20px;background:var(--mint-tint);border-bottom:1px solid #D9F2EB}
.review__amt b{font-family:var(--display);font-weight:800;font-size:25px;letter-spacing:-.02em;line-height:1}
.review__amt span{font-size:11.5px;color:var(--mint-text);font-weight:600;text-align:right;line-height:1.45}
.review__body{padding:18px 20px 20px}
.review__top{display:flex;justify-content:space-between;align-items:center;margin-bottom:11px}
.review__date{font-size:11.5px;color:var(--muted);white-space:nowrap}
.review h3{font-size:15px;line-height:1.35;margin-bottom:7px}
.review__text{font-size:13.5px;color:var(--ink-2);line-height:1.6}
.review__who{display:flex;align-items:center;gap:10px;margin-top:16px;padding-top:14px;border-top:1px solid var(--line)}
.review__av{width:36px;height:36px;border-radius:50%;background:var(--mint-light);color:var(--mint-text);display:grid;place-items:center;font-weight:700;font-size:13px;flex:none}
.review__name{font-size:13px;font-weight:600;line-height:1.3}
.review__name small{display:block;font-size:11.5px;font-weight:400;color:var(--muted)}
.review__ver{margin-left:auto;display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:600;color:var(--mint-text);white-space:nowrap}
.review__ver::before{content:"";width:14px;height:14px;border-radius:50%;flex:none;background:var(--mint-text) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12l4 4 8-8'/%3E%3C/svg%3E") center/10px no-repeat}

/* ===================== ELIGIBILITY (four tiles) ===================== */
.elig{padding:50px 0 30px}
.elig__head{text-align:center;max-width:560px;margin:0 auto 38px}
.elig__head p{margin-top:14px}
.elig__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.elig__tile{border:1px solid var(--line);border-radius:18px;padding:26px 22px 24px;background:#fff}
.elig__ico{width:52px;height:52px;border-radius:50%;background:var(--mint-btn);border:2px solid var(--ink);display:grid;place-items:center;margin-bottom:20px}
.elig__ico svg{width:22px;height:22px;stroke:var(--ink);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.elig__tile h3{font-size:17px;line-height:1.3;margin-bottom:8px}
.elig__tile p{font-size:13px}
.elig__foot{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;margin-top:16px;padding:20px 26px;border-radius:18px;background:var(--mint-tint);border:1px solid #D9F2EB}
.elig__foot b{font-family:var(--display);font-size:17px}
.elig__foot span{display:block;font-size:13px;color:var(--muted);margin-top:2px}
.bar{height:6px;border-radius:3px;background:#EEF0F2;margin-bottom:8px;overflow:hidden}
.bar i{display:block;height:100%;background:var(--mint-btn)}
.bar--dark i{background:var(--ink)}

/* ===================== ALTERNATIVES ===================== */
.alts{padding:90px 0 50px}
.alts__head{max-width:680px;margin-bottom:32px}
.alts__head p{margin-top:14px;max-width:60ch}
.alts__table{border:2px solid var(--ink);border-radius:20px;overflow:hidden;background:#fff}
.alts__tr{display:grid;grid-template-columns:1.15fr .85fr 1.25fr 1.1fr 1.35fr;border-bottom:1px solid var(--line)}
.alts__tr:last-child{border-bottom:0}
.alts__tr>div{padding:18px 20px}
.alts__tr>div+div{border-left:1px solid var(--line)}
.alts__th{background:var(--mint-btn);border-bottom:2px solid var(--ink)}
.alts__th>div{font-family:var(--display);font-weight:800;font-size:13px;padding:13px 20px}
.alts__th>div+div{border-left-color:rgba(11,11,11,.18)}
.alts__tr h3{font-size:15px;line-height:1.3}
.alts__tr p{font-size:13px;color:var(--ink-2);line-height:1.55}
.alts__tr--us{background:var(--mint-tint)}
.alts__tr--us>div+div{border-left-color:#D9F2EB}
.alts__chip{display:inline-block;margin-top:8px;font-size:10.5px;font-weight:700;padding:3px 10px;border-radius:999px;background:var(--ink);color:#fff}
.alts__lbl{display:none;font-size:11px;font-weight:700;color:var(--mint-text);margin-bottom:2px}
.alts__note{margin-top:16px;font-size:12px;max-width:none}

/* ===================== PROS & CONS ===================== */
.pc{padding:50px 0 0}
.pc__head{max-width:680px;margin-bottom:32px}
.pc__head p{margin-top:14px}
.pc__grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.pc__col{border-radius:20px;padding:28px 28px 12px}
.pc__col--pro{border:2px solid var(--ink);background:#fff}
.pc__col--con{border:2px solid transparent;background:#F4F5F6}
.pc__col>h3{font-size:19px;margin-bottom:8px}
.pc__col li{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:start;padding:16px 0;border-top:1px solid var(--line)}
.pc__col--con li{border-top-color:#E1E4E7}
.pc__col li:first-child{border-top:0}
.pc__col i{width:26px;height:26px;border-radius:50%;display:grid;place-items:center;margin-top:1px}
.pc__col i svg{width:14px;height:14px;fill:none;stroke:var(--ink);stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
.pc__col--pro i{background:var(--mint-btn);border:2px solid var(--ink)}
.pc__col--con i{background:#fff;border:2px solid var(--ink)}
.pc__col b{font-family:var(--display);font-weight:700;font-size:15px;letter-spacing:-.01em}
.pc__col li p{font-size:13px;margin-top:2px;max-width:46ch}
.pc__verdict{display:grid;grid-template-columns:1fr 1fr;gap:0;margin-top:16px;background:var(--ink);border-radius:20px;overflow:hidden}
.pc__verdict>div{padding:26px 28px}
.pc__verdict>div+div{border-left:1px solid rgba(255,255,255,.16)}
.pc__verdict h3{font-size:16px;color:var(--wave-mint,#0EF2E6);margin-bottom:6px}
.pc__verdict p{color:rgba(255,255,255,.78);font-size:13.5px;max-width:52ch}

/* ===================== CTA BANNER ===================== */
.cta{padding:100px 0 110px}
.cta__card{position:relative;background:linear-gradient(135deg,#2BF4DF,#1CE8C2);border-radius:28px;padding:60px 60px 60px 460px;min-height:300px;display:flex;flex-direction:column;justify-content:center;overflow:visible}
.cta__card h2{max-width:18ch;margin-bottom:16px}
.cta__card h2 .hl{background:var(--ink);color:#fff;padding:0 8px;border-radius:6px}
.cta__phone{position:absolute;left:78px;top:50%;transform:translateY(-50%)}
.cta__phone img{display:block;height:500px;width:auto;filter:drop-shadow(0 28px 34px rgba(0,70,60,.28))}
.cta__card p{color:var(--ink-2);max-width:48ch;margin-bottom:26px}

/* ===================== LENDING PROMISE ===================== */
/* The wide photo is the section's backdrop, kept inside the page container and shown whole and unmodified;
   the text sits over its empty left side */
.testi{padding-top:40px}
.testi__wrap{position:relative}
.testi__art{position:relative}
.testi__art img{display:block;width:100%;height:auto}
.testi__text{position:absolute;top:0;bottom:0;left:0;width:41%;display:flex;flex-direction:column;justify-content:center}
.quote-mark{font-family:Georgia,serif;font-size:clamp(64px,6.4vw,84px);line-height:.62;color:var(--mint-btn);margin-bottom:6px}
.testi h2{font-size:clamp(27px,2.9vw,36px);margin-bottom:12px}
.quote{font-family:var(--body);font-weight:400;font-size:clamp(16px,1.5vw,19px);line-height:1.45;letter-spacing:-.005em;color:var(--ink-2);margin-bottom:clamp(16px,2vw,26px)}
.promises{display:grid;gap:clamp(9px,1.1vw,14px)}
.promises li{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:center;font-size:clamp(14px,1.25vw,15.5px);line-height:1.5;color:var(--ink-2)}
.promises li::before{content:"";width:32px;height:32px;border-radius:50%;background:var(--mint-light) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230FCFAB' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E") center/17px no-repeat}
.testi__card{position:absolute;left:44%;top:46%;display:flex;align-items:center;gap:10px;background:#fff;border-radius:14px;padding:13px 20px 13px 15px;font-size:13.5px;font-weight:600;white-space:nowrap;box-shadow:0 18px 40px rgba(0,0,0,.12)}
.testi__card svg{width:26px;height:26px;fill:none;stroke:var(--ink);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
/* Narrow screens: text first, then the photo. The frame trims only the empty transparent left side of the file,
   so the whole picture (woman, desk, shape) is still shown. */
@media (max-width:1099px){
  .testi{padding-top:60px}
  .testi__wrap{display:flex;flex-direction:column}
  .testi__text{position:static;width:auto;padding-bottom:16px;order:-1}
  .testi h2{font-size:30px}
  .quote{font-size:18px}
  .promises li{font-size:16px}
  .testi__art{width:min(100%,560px);margin-left:auto}
  .testi__art img{aspect-ratio:1113/826;object-fit:cover;object-position:right center}
  .testi__card{left:0;top:53%}
}

/* ===================== FAQ ===================== */
.faq{padding:90px 0 110px}
.faq__list{max-width:760px;margin:0 auto;text-align:left}
.faq details{border:1px solid var(--line);border-radius:14px;margin-bottom:12px;background:#fff;transition:border-color .2s,box-shadow .2s}
.faq details[open]{border-color:var(--ink);box-shadow:0 14px 34px rgba(0,0,0,.06)}
.faq summary{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px 20px;cursor:pointer;list-style:none;border-radius:14px}
.faq summary::-webkit-details-marker{display:none}
.faq summary h3{font-size:15.5px;line-height:1.35}
.faq summary i{flex:none;width:28px;height:28px;border-radius:50%;background:var(--mint-btn);border:2px solid var(--ink);position:relative;transition:transform .2s}
.faq summary i::before,.faq summary i::after{content:"";position:absolute;left:50%;top:50%;width:10px;height:2px;background:var(--ink);transform:translate(-50%,-50%)}
.faq summary i::after{transform:translate(-50%,-50%) rotate(90deg)}
.faq details[open] summary i{transform:rotate(45deg)}
.faq details p{padding:0 64px 20px 20px;font-size:14px}

/* ===================== GUIDES ===================== */
.blog{padding:0 0 110px}
.blog h2{max-width:22ch;margin:0 auto 40px}
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.post{border:1px solid var(--line);border-radius:16px;overflow:hidden;background:#fff;transition:transform .25s,box-shadow .25s}
.post:hover{transform:translateY(-6px);box-shadow:0 20px 44px rgba(0,0,0,.08)}
.post__art{position:relative;height:160px;background:linear-gradient(135deg,var(--mint-light),#F6F7F8);display:grid;place-items:center}
.post__art .ui{position:static;width:170px;padding:10px 12px;font-size:10px;box-shadow:0 12px 26px rgba(0,0,0,.08);text-align:left}
.post__art .ui b{display:block;font-size:10px;margin-bottom:6px}
.post__art .ui .task{font-size:9px;padding:6px 8px}
.post__body{padding:18px 20px 22px;text-align:left}
.post__body .chip{font-size:10px;font-weight:700;padding:3px 9px;border-radius:999px;background:var(--mint-light);color:var(--mint-text);display:inline-block;margin-bottom:10px}
.post__body h3{font-size:15px;line-height:1.35;margin-bottom:8px}
.post__body p{font-size:13px}

.footer__end{display:flex;flex-wrap:wrap;align-items:center;gap:6px 22px}
.footer__end a{font-weight:600;color:var(--ink-2)}
.footer__end a:hover{color:var(--ink);text-decoration:underline;text-underline-offset:3px}
.posts__all{text-align:center;margin:30px auto 0;max-width:none}

/* ===================== LEGAL + FOOTER ===================== */
.legal{border-top:1px solid var(--line);padding:40px 0 34px}
.legal__cols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;margin-bottom:30px}
.legal__h{color:var(--ink);font-family:var(--body);font-size:12px;font-weight:700;letter-spacing:0;margin-bottom:12px}
.legal li{font-size:13px;color:var(--muted);margin-bottom:8px}
.legal li a:hover{color:var(--ink);text-decoration:underline}
.legal address{font-style:normal;font-size:13px;color:var(--muted);line-height:1.7}
.legal address a{color:var(--ink);font-weight:600;text-decoration:underline;text-underline-offset:2px}
.legal__about{font-size:13px;max-width:34ch;margin-bottom:10px}
.legal__fine p{font-size:11.5px;line-height:1.7;margin-bottom:10px;max-width:none}
.legal__fine b{color:var(--ink-2)}
.footer{border-top:1px solid var(--line);padding:30px 0;font-size:12px;color:var(--muted)}
.footer .logo{color:var(--ink)}
.footer .container{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}

/* ===================== BACK TO TOP (tablet + desktop) ===================== */
.totop-rail{position:sticky;bottom:0;height:0;z-index:40;pointer-events:none}
.totop{position:absolute;right:24px;bottom:24px;width:56px;height:56px;border-radius:50%;background:var(--ink);display:grid;place-items:center;pointer-events:none;
  opacity:0;transform:translateY(14px);transition:opacity .25s,transform .25s;box-shadow:0 12px 28px rgba(0,0,0,.22)}
.past-hero .totop{opacity:1;transform:none;pointer-events:auto}
.totop:hover{background:#1c1c1c}
.totop__ring{position:absolute;inset:-2px;width:60px;height:60px;transform:rotate(-90deg);overflow:visible}
.totop__track{fill:none;stroke:rgba(255,255,255,.14);stroke-width:3}
/* the "light": a mint arc that grows with scroll progress and glows */
.totop__bar{fill:none;stroke:#0EF2E6;stroke-width:3;stroke-linecap:round;stroke-dasharray:100;stroke-dashoffset:calc(100 - var(--progress,0));
  filter:drop-shadow(0 0 5px rgba(14,242,230,.95)) drop-shadow(0 0 12px rgba(14,242,230,.55));transition:stroke-dashoffset .12s linear}
.totop__arrow{width:20px;height:20px;fill:none;stroke:#fff;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round;transition:transform .2s}
.totop:hover .totop__arrow{transform:translateY(-2px)}

/* ===================== STICKY APPLY BAR (phones) ===================== */
.applybar{display:none}

/* ===================== RESPONSIVE ===================== */
@media (max-width:1024px){
  .nav__links{display:none}
  .nav__burger{display:grid}
  .features{padding-top:70px}
  .fgrid{grid-template-columns:1fr 1fr;row-gap:30px}
  .service .container{grid-template-columns:1fr;gap:20px}
  .service__media img{max-width:420px}
  .stats__cols,.calc__card{grid-template-columns:1fr;gap:30px}
  .elig__grid{grid-template-columns:1fr 1fr}
  .alts__th{display:none}
  .alts__tr{grid-template-columns:1fr 1fr}
  .alts__tr>div{padding:10px 20px;border-left:0 !important}
  .alts__tr>.alts__opt{grid-column:1/-1;padding-top:20px}
  .alts__tr>div:last-child{grid-column:1/-1;padding-bottom:20px}
  .alts__lbl{display:block}
  .pc__grid{grid-template-columns:1fr}
  .calc__card{gap:12px}
  .compose{max-width:460px;margin:0 auto;width:100%}
  .cta__card{padding:40px 30px}
  .cta__phone{position:relative;left:auto;top:auto;transform:none;margin:-90px auto 20px;width:max-content}
  .cta__phone img{height:380px}
  .cta{padding-top:140px}
  .posts{grid-template-columns:1fr}
  .legal__cols{grid-template-columns:1fr 1fr}
  .reviews__wall{columns:2}
}
@media (max-width:600px){
  .fgrid{grid-template-columns:1fr}
  .hero h1{font-size:36px}
  .hero__text{padding-top:20px}
  .nav .btn{padding:9px 16px;font-size:12px}
  .ui--tasks{left:16px;right:0;width:auto}
  .ui--diamond{left:-6px;top:-10px}
  .stats__grid{grid-template-columns:1fr;gap:30px}
  .calc__panel,.calc__result{padding:22px}
  .calc{background-size:260% auto,260% auto,100% calc(100% - 48px);padding:120px 0 180px}
  .calc__card{border-radius:22px;padding:8px}
  .calc__trust{gap:10px 22px}
  .calc__big{font-size:46px}
  .faq details p{padding-right:20px}
  .legal__cols{grid-template-columns:1fr;gap:26px}
  .reviews__wall{columns:1}
  .alts{padding-top:70px}
  .alts__tr{grid-template-columns:1fr}
  .pc__col{padding:22px 20px 8px}
  .pc__verdict{grid-template-columns:1fr}
  .pc__verdict>div{padding:22px 20px}
  .pc__verdict>div+div{border-left:0;border-top:1px solid rgba(255,255,255,.16)}
  .elig__grid{grid-template-columns:1fr}
  .elig__foot{padding:20px}
  .elig__foot .btn{width:100%}
}
@media (max-width:760px){
  .totop-rail{display:none}
  .applybar{display:flex;align-items:center;justify-content:space-between;gap:14px;position:fixed;z-index:50;
    left:0;right:0;bottom:0;
    padding:12px 16px calc(12px + env(safe-area-inset-bottom,0px)) 18px;border-radius:0;background:var(--ink);color:#fff;
    box-shadow:0 -10px 28px rgba(0,0,0,.2);
    transform:translateY(105%);transition:transform .32s cubic-bezier(.2,.7,.2,1)}
  .past-hero .applybar{transform:none}
  .applybar__txt{line-height:1.15;min-width:0}
  .applybar__txt small{display:block;font-size:10.5px;color:rgba(255,255,255,.62);margin-bottom:3px}
  .applybar__txt b{font-family:var(--display);font-weight:800;font-size:16px;letter-spacing:-.01em;white-space:nowrap}
  .applybar .btn{padding:11px 18px;font-size:13.5px;background:#0EF2E6;border-color:#0EF2E6;gap:6px}
  .applybar .btn svg{width:15px;height:15px;fill:none;stroke:currentColor;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round}
  .footer{padding-bottom:calc(92px + env(safe-area-inset-bottom,0px))}
}
.swipe-hint{display:none}

/* =====================================================================
   TABLET REFINEMENTS (761–1024px)
   Keep two-column layouts where there is room instead of stacking everything.
   ===================================================================== */
@media (min-width:761px) and (max-width:1024px){
  /* How it works: photo beside the steps */
  .service{padding:20px 0 90px}
  .service .container{grid-template-columns:.85fr 1.15fr;gap:34px;align-items:center}
  .service__media img{max-width:100%}
  .service h2{margin-bottom:24px}

  /* Rates: fee card left, numbers right */
  .stats__cols{grid-template-columns:1fr 1fr;gap:34px;align-items:start}
  .compose{height:auto;max-width:none;margin:0}
  .ui--tasks{position:static;width:auto}
  .ui--diamond,.ui--bars{display:none}
  .ui--apr{position:static;display:flex;justify-content:space-between;align-items:center;margin-top:12px;padding:14px 18px;font-size:12px}
  .ui--apr b{margin-top:0}
  .stats__grid{grid-template-columns:1fr 1fr;gap:26px 24px}
  .stats__grid>div:first-child{display:contents}
  .stats__grid .num{margin-top:0 !important;font-size:22px}
  .flist{grid-column:1/-1;gap:18px}
  .flist p{max-width:none}
  .example{margin-top:34px}

  /* Calculator: sliders and result side by side */
  .calc__card{grid-template-columns:1.1fr 1fr;gap:10px}
  .calc__panel{padding:22px 20px 18px}
  .calc__result{padding:24px 22px}
  .calc__big{font-size:46px}
  .chips{flex-wrap:nowrap;gap:6px}
  .chips button{flex:1 1 0;min-width:0;padding:9px 0;font-size:11.5px}

  /* Alternatives: three short facts in a row, the advice underneath */
  .alts__tr{grid-template-columns:.8fr 1.25fr 1.1fr}
  .alts__tr>div{padding:8px 22px}
  .alts__tr>.alts__opt{padding-top:20px}
  .alts__tr>div:last-child{padding-bottom:20px}

  /* Pros and cons stay side by side */
  .pc__grid{grid-template-columns:1fr 1fr}
  .pc__col{padding:24px 22px 8px}

  /* CTA banner: phone beside the copy */
  .cta{padding-top:100px}
  .cta__card{padding:44px 36px 44px 290px;min-height:340px}
  .cta__phone{position:absolute;left:30px;top:50%;transform:translateY(-50%);margin:0;width:auto}
  .cta__phone img{height:420px}

  /* Guides: three across */
  .posts{grid-template-columns:repeat(3,1fr);gap:16px}
  .post__art{height:120px}
  .post__art .ui{width:150px}
  .post__body{padding:16px 16px 18px}

  /* Footer links in one row */
  .legal__cols{grid-template-columns:1fr 1fr 1fr;gap:26px 30px}
  .legal__cols>div:first-child{grid-column:1/-1}
}

/* Lending promise on tablets: copy left, portrait photo right */
@media (min-width:761px) and (max-width:1099px){
  .testi__wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:30px;align-items:end}
  .testi__text{order:-1;align-self:center;padding-bottom:50px}
  .testi__art{width:100%;margin:0}
  .testi__card{left:-18px}
}

/* =====================================================================
   PHONE REFINEMENTS (≤760px)
   Shorter page, bigger tap targets, nothing that needs pinching.
   ===================================================================== */
@media (max-width:760px){
  h2{font-size:27px}
  .sec-head{margin-bottom:30px}

  /* ---- Hero ---- */
  .hero__content{padding-top:84px}
  .nav{padding:18px 0}
  .hero__lead{margin:16px 0 24px}
  .stores{flex-direction:column;gap:10px}
  .store{width:100%;justify-content:center;padding:13px 20px}
  .hero__facts{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:24px;border-top:1px solid rgba(11,11,11,.14);padding-top:16px}
  .hero__facts li{padding:0 8px;font-size:11px}
  .hero__facts li:first-child{padding-left:0}
  .hero__facts li+li{border-left:1px solid rgba(11,11,11,.14)}
  .hero__facts b{font-size:15px;white-space:nowrap}

  /* ---- Loan products: compact cards, icon beside the name ---- */
  .features{padding:56px 0 60px}
  .fgrid{gap:14px;row-gap:14px}
  .fcard{display:grid;grid-template-columns:auto 1fr;column-gap:14px;align-items:center;text-align:left;padding:20px 18px 16px}
  .fcard:hover{transform:none}
  .fcard svg{grid-row:1/3;width:44px;height:44px;margin:0}
  .fcard h3{align-self:end;font-size:16px}
  .fcard__amt{align-self:start;margin-top:2px;font-size:20px}
  .fcard p{grid-column:1/-1;margin-top:12px;font-size:13px}
  .fcard ul{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;gap:0 16px;margin-top:14px;padding-top:4px}
  .fcard li{flex-direction:column;align-items:flex-start;gap:1px;padding:9px 0;font-size:11px}
  .fcard li:nth-last-child(2){border-bottom:0}
  .fcard li b{text-align:left;font-size:13px}
  .fcard .btn{grid-column:1/-1;margin-top:14px;padding:14px}
  .fcard--main{padding-top:28px}
  .fcard__tag{left:18px;transform:none}
  .features__note{margin-top:22px}

  /* ---- How it works ---- */
  .service{padding:10px 0 64px}
  .service__media img{max-width:300px}
  .service h2{margin-bottom:22px}
  .srow{margin-bottom:20px}
  .srow p{max-width:none}
  .service .btn{width:100%;padding:14px}

  /* ---- Rates ---- */
  .stats{padding:20px 0 30px}
  .compose{height:auto;max-width:none}
  .ui--tasks{position:static;width:auto}
  .ui--diamond,.ui--bars{display:none}
  .ui--apr{position:static;display:flex;justify-content:space-between;align-items:center;margin-top:10px;padding:14px 18px;font-size:12px}
  .ui--apr b{margin-top:0}
  .task{padding:11px 12px;font-size:12px}
  .task b{font-size:13px}
  .stats__grid{grid-template-columns:1fr 1fr;gap:24px 18px}
  .stats__grid>div:first-child{display:contents}
  .stats__grid .num{margin-top:0 !important;font-size:21px}
  .flist{grid-column:1/-1;gap:16px}
  .flist p{max-width:none;font-size:13px}
  .example{margin-top:28px;padding:16px 18px}

  /* ---- Eligibility: icon beside the text ---- */
  .elig{padding:40px 0 24px}
  .elig__head{margin-bottom:24px}
  .elig__grid{gap:10px}
  .elig__tile{display:grid;grid-template-columns:auto 1fr;column-gap:16px;align-items:start;padding:18px}
  .elig__ico{grid-row:1/3;width:44px;height:44px;margin:0}
  .elig__ico svg{width:19px;height:19px}
  .elig__tile h3{font-size:16px;margin-bottom:4px}
  .elig__foot{margin-top:10px}
  .elig__foot .btn{padding:14px}

  /* ---- Calculator ---- */
  .calc .sec-head{margin-bottom:26px}
  .field{margin-bottom:24px}
  .field__top{gap:10px}
  .field__top output{font-size:20px;white-space:nowrap}
  .chips{flex-wrap:nowrap;gap:6px}
  .chips button{flex:1 1 0;min-width:0;padding:10px 0;font-size:11.5px}
  input[type=range]{height:8px}
  input[type=range]::-webkit-slider-thumb{width:28px;height:28px}
  input[type=range]::-moz-range-thumb{width:18px;height:18px}
  .calc__result .btn{padding:14px}
  .calc__trust{gap:8px 16px;margin-top:22px}
  .calc__trust li{font-size:12px;gap:6px}
  .calc__trust svg{width:16px;height:16px}

  /* ---- Reviews: swipe sideways instead of a long stack ---- */
  .reviews{padding:24px 0 56px}
  .reviews__rate{margin:12px 0 22px;gap:8px 12px}
  .reviews__wall{columns:auto;display:flex;align-items:stretch;gap:12px;overflow-x:auto;scroll-snap-type:x mandatory;
    margin:0 -24px;padding:4px 24px 14px;scroll-padding-left:24px;scrollbar-width:none;-webkit-overflow-scrolling:touch}
  .reviews__wall::-webkit-scrollbar{display:none}
  .review{flex:0 0 min(86%,340px);margin:0;scroll-snap-align:start;display:flex;flex-direction:column}
  .review__body{display:flex;flex-direction:column;flex:1}
  .review__text{flex:1}
  .swipe-hint{display:flex;justify-content:center;align-items:center;gap:8px;margin-top:6px;font-size:12px;color:var(--muted)}
  .swipe-hint svg{width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

  /* ---- Alternatives: one card per option ---- */
  .alts{padding:56px 0 30px}
  .alts__head{margin-bottom:22px}
  .alts__table{border:0;border-radius:0;overflow:visible;background:none;display:grid;gap:10px}
  .alts__tr{grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:16px;background:#fff;padding:4px 0}
  .alts__tr:last-child{border-bottom:1px solid var(--line)}
  .alts__tr--us{border:2px solid var(--ink);background:var(--mint-tint)}
  .alts__tr>div{padding:8px 18px}
  .alts__tr>.alts__opt{grid-column:1/-1;grid-row:1;padding-top:16px;display:flex;align-items:center;justify-content:space-between;gap:10px}
  .alts__chip{margin-top:0;flex:none}
  .alts__tr>div:nth-child(2){grid-column:1;grid-row:2}
  .alts__tr>div:nth-child(4){grid-column:2;grid-row:2;padding-left:6px}
  .alts__tr>div:nth-child(3){grid-column:1/-1;grid-row:3}
  .alts__tr>div:nth-child(5){grid-column:1/-1;grid-row:4;padding-bottom:16px}
  .alts__note{margin-top:14px}

  /* ---- Pros and cons ---- */
  .pc{padding-top:30px}
  .pc__head{margin-bottom:22px}
  .pc__grid{gap:12px}
  .pc__col li{padding:14px 0}
  .pc__verdict{margin-top:12px}

  /* ---- CTA banner ---- */
  .cta{padding:120px 0 64px}
  .cta__card{padding:0 22px 26px;border-radius:24px}
  .cta__phone{margin:-84px auto 16px}
  .cta__phone img{height:340px}
  .cta__card h2{font-size:25px;max-width:none}
  .cta__card p{margin-bottom:20px}
  .cta__card .btn{align-self:stretch !important;padding:14px}

  /* ---- Lending promise ---- */
  .testi{padding-top:48px}
  .quote-mark{font-size:70px}
  .testi h2{font-size:27px}
  .quote{font-size:17px;margin-bottom:20px}
  .promises{gap:12px}
  .promises li{font-size:15px;align-items:start}
  .testi__art{width:100%}
  .testi__card{left:0;top:20%;padding:11px 16px 11px 13px;font-size:13px}

  /* ---- FAQ ---- */
  .faq{padding:56px 0 60px}
  .faq .sec-head{margin-bottom:22px}
  .faq summary{padding:16px 16px}
  .faq summary h3{font-size:15px}
  .faq details p{padding:0 16px 18px}

  /* ---- Guides: swipe sideways ---- */
  .blog{padding-bottom:64px}
  .blog h2{margin-bottom:24px}
  .posts{display:flex;align-items:stretch;gap:12px;overflow-x:auto;scroll-snap-type:x mandatory;
    margin:0 -24px;padding:4px 24px 14px;scroll-padding-left:24px;scrollbar-width:none}
  .posts::-webkit-scrollbar{display:none}
  .post{flex:0 0 min(82%,320px);scroll-snap-align:start}
  .post:hover{transform:none}
  .post__art{height:124px}

  /* ---- Footer ---- */
  .legal{padding:34px 0 26px}
  .legal__cols{grid-template-columns:1fr 1fr;gap:26px 20px;margin-bottom:24px}
  .legal__cols>div:first-child{grid-column:1/-1}
  .legal li{margin-bottom:0}
  .legal li a{display:block;padding:7px 0}
  .legal__about{max-width:none}
  .footer .container{flex-direction:column;align-items:flex-start;gap:10px}
}

@media (prefers-reduced-motion:reduce){*{transition:none !important}html{scroll-behavior:auto}}
:focus-visible{outline:2px solid var(--ink);outline-offset:3px}