:root{
  --bg:#F3F4F0;--paper:#FFFFFF;--ink:#1B1F24;--muted:#5C6168;--line:#D9DCD6;
  --brand:#0F6E6E;--brand-ink:#FFFFFF;--op:#B8621B;--op-bg:#FBF1E6;--op-ink:#5A2E08;
  --ok:#2E7D4F;--ok-bg:#E6F2EA;--warn:#8A5A00;--warn-bg:#FBF0D6;--off:#5F646B;--off-bg:#E9EAEC;--chip:#EEF0EA;
  --mono:"JetBrains Mono",ui-monospace,Menlo,monospace;
  --sans:"Public Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --disp:"Bricolage Grotesque","Public Sans",system-ui,sans-serif;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --bg:#14171A;--paper:#1E2226;--ink:#E8E6E0;--muted:#A3A8AE;--line:#33393F;
  --brand:#3FB0B0;--brand-ink:#0F1A1A;--op:#E39A55;--op-bg:#3A2916;--op-ink:#F6DFC6;
  --ok:#7FCB9B;--ok-bg:#1E3A2A;--warn:#E5B85C;--warn-bg:#3B3018;--off:#B0B4B9;--off-bg:#2C3035;--chip:#272B30;color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#14171A;--paper:#1E2226;--ink:#E8E6E0;--muted:#A3A8AE;--line:#33393F;
  --brand:#3FB0B0;--brand-ink:#0F1A1A;--op:#E39A55;--op-bg:#3A2916;--op-ink:#F6DFC6;
  --ok:#7FCB9B;--ok-bg:#1E3A2A;--warn:#E5B85C;--warn-bg:#3B3018;--off:#B0B4B9;--off-bg:#2C3035;--chip:#272B30;color-scheme:dark}
*{box-sizing:border-box}
html,body{margin:0}
body{background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:15px;line-height:1.55;padding-inline:0;padding-block:0 84px}
h1,h2,h3{font-family:var(--disp);text-wrap:balance;margin:0}
a{color:var(--brand)}
.page{max-width:640px;margin:0 auto;background:var(--paper);min-height:100%;padding-inline:16px;padding-block:0 24px;border-inline:1px solid var(--line)}
.nav{display:flex;justify-content:space-between;align-items:center;gap:8px;padding:14px 0 10px;border-bottom:1px solid var(--line);position:sticky;top:env(safe-area-inset-top,0px);background:var(--paper);z-index:5}
.nav .logo{font-family:var(--disp);font-weight:700;color:var(--brand);font-size:17px;text-decoration:none}
.nav .menu{display:flex;gap:10px;font-size:12px;color:var(--muted);font-weight:500;flex-wrap:wrap;justify-content:flex-end}
.nav .menu a{color:var(--muted);text-decoration:none}
.nav .menu a.on{color:var(--brand);font-weight:700}
.crumb{font-size:12px;color:var(--muted);margin:14px 0 4px}
.crumb a{color:var(--muted);text-decoration:none}
h1{font-size:28px;line-height:1.1;font-weight:700}
h1 q{font-style:italic}
.chips{display:flex;flex-wrap:wrap;gap:6px;margin:12px 0 6px}
.chip{font-size:12px;font-weight:600;padding:4px 9px;border-radius:999px;background:var(--chip)}
.chip.ok{background:var(--ok-bg);color:var(--ok)}.chip.warn{background:var(--warn-bg);color:var(--warn)}.chip.off{background:var(--off-bg);color:var(--off)}
.ver{font-size:12px;color:var(--muted);font-family:var(--mono)}
.lead{margin:12px 0 16px;max-width:62ch}
.sim{border:1.5px solid var(--op);border-radius:16px;background:var(--op-bg);padding:14px 16px 12px;margin:12px 0 18px;color:var(--op-ink)}
.sim h2{font-size:19px;color:var(--op);margin-bottom:2px}
.sim .sub{font-size:13px;margin-bottom:12px}
.ctl{display:grid;grid-template-columns:1fr auto;align-items:baseline;gap:8px;margin-top:8px}
.ctl label{font-size:13px;font-weight:600}
.ctl output{font-family:var(--disp);font-size:24px;font-weight:700;font-variant-numeric:tabular-nums}
.ctl output small{font-family:var(--sans);font-size:13px;font-weight:500}
input[type=range]{width:100%;margin:6px 0 2px;accent-color:var(--op);height:28px}
.ticks{display:flex;justify-content:space-between;font-family:var(--mono);font-size:10px;color:var(--muted);margin-bottom:4px}
.res{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:12px}
.card{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:10px 12px;color:var(--ink)}
.card.op{border:2px solid var(--op)}
.card .nm{font-size:12px;font-weight:600;color:var(--muted);display:flex;justify-content:space-between;gap:6px}
.card .nm b{color:var(--op);font-size:10px;font-family:var(--mono);font-weight:500;white-space:nowrap}
.card .tot{font-family:var(--disp);font-size:24px;font-weight:700;margin:2px 0;font-variant-numeric:tabular-nums;line-height:1.1}
.card .ln{font-size:12px;color:var(--muted);font-variant-numeric:tabular-nums}
.card .note{font-size:12px;margin-top:4px;color:var(--warn);font-weight:600}
.cta{display:block;text-align:center;background:var(--op);color:#fff;text-decoration:none;font-weight:700;padding:13px;border-radius:10px;margin-top:12px;font-size:15px}
.cta:focus-visible{outline:3px solid var(--brand);outline-offset:2px}
.fine{font-size:11px;color:var(--op-ink);opacity:.85;margin-top:8px;line-height:1.45}
.op-card{background:var(--op-bg);border:1.5px solid var(--op);border-radius:14px;padding:12px 14px;margin:14px 0;color:var(--op-ink)}
.op-card b{display:block;font-family:var(--disp);font-size:17px;color:var(--op);margin-bottom:4px}
.op-card .cta{margin-top:10px}
@media (max-width:420px){.res{grid-template-columns:1fr}}
section{margin-top:22px}
section h2{font-size:19px;font-weight:700;margin-bottom:8px}
.kv{width:100%;border-collapse:collapse;font-size:14px}
.kv td{padding:7px 0;border-top:1px solid var(--line);vertical-align:top}
.kv td:first-child{color:var(--muted);width:36%;padding-right:10px}
.kv .m{font-family:var(--mono);font-size:13px}
.quote{border-left:3px solid var(--brand);padding:8px 12px;margin:8px 0;background:var(--chip);border-radius:0 8px 8px 0;font-size:14px}
.quote small{display:block;color:var(--muted);font-family:var(--mono);font-size:11px;margin-top:4px}
.tblw{overflow-x:auto}
.tbl{width:100%;border-collapse:collapse;font-size:13px;font-variant-numeric:tabular-nums;min-width:420px}
.tbl th{text-align:left;font-weight:600;color:var(--muted);padding:6px 6px 6px 0;border-bottom:1px solid var(--line)}
.tbl td{padding:8px 6px 8px 0;border-bottom:1px solid var(--line);vertical-align:top}
.tbl tr.pick td{background:var(--op-bg);font-weight:600}
.tbl tr.pick td:first-child{border-left:3px solid var(--op);padding-left:6px}
.tbl a{color:var(--op);font-weight:600;text-decoration:none}
.faq dt{font-weight:700;margin-top:10px}.faq dd{margin:3px 0 0;color:var(--muted)}
.src{font-size:12px;color:var(--muted);font-family:var(--mono);line-height:1.7}
.alsolinks{display:flex;flex-wrap:wrap;gap:6px}
.alsolinks span{font-size:12px;color:var(--brand);border:1px solid var(--line);border-radius:999px;padding:4px 9px}
.tl{list-style:none;padding:0;margin:0}
.tl li{display:grid;grid-template-columns:86px 1fr;gap:10px;padding:8px 0;border-top:1px solid var(--line);font-size:14px}
.tl li b{font-family:var(--mono);font-weight:500;font-size:12px;color:var(--muted)}
.tl li small{display:block;color:var(--muted);font-family:var(--mono);font-size:11px;margin-top:2px}
.ans{border:1.5px solid var(--brand);border-radius:12px;padding:12px 14px;margin:12px 0}
.ans b{font-family:var(--disp);font-size:20px;color:var(--brand)}
.ol{list-style:none;padding:0;margin:0;counter-reset:s}
.ol li{counter-increment:s;padding:8px 0 8px 30px;position:relative;border-top:1px solid var(--line);font-size:14px}
.ol li::before{content:counter(s);position:absolute;left:0;top:9px;width:22px;height:22px;border-radius:50%;background:var(--brand);color:var(--brand-ink);font-size:12px;font-weight:700;display:grid;place-items:center}
.status{display:grid;grid-template-columns:auto 1fr;gap:10px;align-items:center;border:1px solid var(--line);border-radius:12px;padding:10px 12px;margin:12px 0;font-size:13px}
.status .dot{width:12px;height:12px;border-radius:50%;background:var(--off)}
.status .dot.ok{background:var(--ok)}.status .dot.warn{background:var(--warn)}
.status b{display:block;font-size:14px}
.status .m{font-family:var(--mono);font-size:11px;color:var(--muted)}
.hero .search{border:1.5px solid var(--brand);border-radius:12px;padding:12px 14px;margin:14px 0 14px;display:flex;gap:8px;align-items:center}
.hero .search input{flex:1;border:0;background:transparent;font:inherit;color:var(--ink);outline:none;min-width:0}
.hero .search input:focus-visible{outline:2px solid var(--brand);outline-offset:4px;border-radius:4px}
.hits{display:flex;flex-direction:column;gap:6px;margin:-6px 0 12px}
.hits a{display:flex;justify-content:space-between;gap:8px;border:1px solid var(--line);border-radius:10px;padding:8px 12px;text-decoration:none;color:var(--ink);font-size:14px}
.hits a span{color:var(--muted);font-size:12px}
.tiles{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.tile{border:1px solid var(--line);border-radius:12px;padding:12px;text-decoration:none;color:var(--ink)}
.tile b{display:block;font-family:var(--disp);font-size:26px;line-height:1}
.tile span{font-size:12px;color:var(--muted)}
footer{margin-top:28px;padding-top:14px;border-top:1px solid var(--line);font-size:12px;color:var(--muted)}
.sticky{position:fixed;left:0;right:0;bottom:0;background:var(--op);color:#fff;padding:12px 16px;padding-bottom:calc(12px + env(safe-area-inset-bottom,0px));z-index:9}
.sticky div{max-width:608px;margin:0 auto;display:flex;justify-content:space-between;align-items:center;gap:10px}
.sticky a{color:#fff;text-decoration:none;font-weight:700}
.sticky span{font-size:12px;opacity:.9;font-variant-numeric:tabular-nums}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}

/* ---- lender-style shell ---- */
.hdr{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:12px 0;position:sticky;top:env(safe-area-inset-top,0px);background:var(--paper);z-index:5;border-bottom:1px solid var(--line)}
.hdr .logo{display:flex;align-items:center;gap:8px;text-decoration:none;font-family:var(--disp);font-size:18px;color:var(--ink);font-weight:500;letter-spacing:-.2px}
.hdr .logo{font-weight:700}
.hdr .logo b.q{color:#E9A23B;font-weight:700}
.hdr .logo svg{width:30px;height:30px;flex:0 0 auto}
.hdr .btn{background:var(--op);color:#fff;text-decoration:none;font-weight:700;padding:9px 14px;border-radius:9px;font-size:14px;white-space:nowrap}
.hero{padding:18px 0 6px}
.hero h1{font-size:27px;line-height:1.12;font-weight:700}
.hero .sub{color:var(--muted);margin:8px 0 0;max-width:60ch}
.calc{border:1px solid var(--line);border-radius:18px;background:var(--paper);box-shadow:0 8px 28px rgba(0,0,0,.08);padding:16px;margin:16px 0 10px}
.calc .ctl label{font-size:13px;font-weight:600;color:var(--muted)}
.calc .ctl output{font-size:26px}
.calc input[type=range]{accent-color:var(--brand)}
.calc .total{display:flex;justify-content:space-between;align-items:baseline;gap:8px;border-top:1px solid var(--line);margin-top:12px;padding-top:12px}
.calc .total .lbl{font-size:13px;color:var(--muted);font-weight:600}
.calc .total .tot{font-family:var(--disp);font-size:30px;font-weight:700;font-variant-numeric:tabular-nums}
.calc .ln{font-size:12px;color:var(--muted);font-variant-numeric:tabular-nums}
.calc .note{font-size:12px;color:var(--warn);font-weight:600;margin-top:4px}
.calc .cta{margin-top:12px;font-size:16px;padding:14px}
.calc .brandline{margin-top:12px;background:var(--chip);border-radius:10px;padding:8px 10px;font-size:12px;color:var(--muted)}
.calc .brandline .tot{font-family:var(--disp);font-size:15px;font-weight:700;color:var(--ink);margin:0}
.calc .brandline .nm{font-weight:700;color:var(--ink);font-size:12px}
.calc .fine{color:var(--muted);opacity:1}
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin:12px 0 4px}
.trust div{font-size:11.5px;color:var(--muted);text-align:center;padding:8px 4px;border:1px solid var(--line);border-radius:10px;line-height:1.3}
.trust div b{display:block;color:var(--ink);font-size:12.5px}
@media (max-width:420px){.trust{grid-template-columns:repeat(2,1fr)}}
.tiles4{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.tiles4 div{border:1px solid var(--line);border-radius:12px;padding:10px 12px}
.tiles4 div span{display:block;font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-weight:600}
.tiles4 div b{display:block;font-family:var(--disp);font-size:17px;line-height:1.2;margin-top:2px}
.tiles4 div small{display:block;font-size:12px;color:var(--muted);margin-top:2px}
.steps{display:grid;grid-template-columns:1fr;gap:8px}
.steps>div{display:grid;grid-template-columns:34px 1fr;gap:10px;align-items:start}
.steps>div>div{display:block}
.steps>div>i{font-style:normal;width:34px;height:34px;border-radius:50%;background:var(--brand);color:var(--brand-ink);font-family:var(--disp);font-weight:700;display:grid;place-items:center}
.steps b{display:block}
.steps span{font-size:13px;color:var(--muted)}
details{border:1px solid var(--line);border-radius:12px;padding:10px 12px;margin-top:18px}
details summary{cursor:pointer;font-weight:600;color:var(--muted);font-size:14px}
details .kv{margin-top:8px}
.hero .search{border:1.5px solid var(--brand);border-radius:12px;padding:12px 14px;margin:14px 0 6px;display:flex;gap:8px;align-items:center}
.hero .search input{flex:1;border:0;background:transparent;font:inherit;color:var(--ink);outline:none;min-width:0}

.spons{font-size:10px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;background:var(--warn-bg);color:var(--warn);padding:2px 6px;border-radius:999px;margin-left:6px;font-style:normal;vertical-align:middle;white-space:nowrap}
footer nav{display:flex;flex-wrap:wrap;gap:6px 14px;margin-top:8px}
footer nav a{color:var(--muted)}
.legal p{max-width:66ch}

.calc .total .tot{white-space:nowrap}
.calc .total .lbl{font-size:12px;line-height:1.3}