:root{--olive:#556b2f;--olive-dark:#445724;--sage:#9caf88;--gold:#c5a065;--gold-dark:#af8b52;--cream:beige;--ink:#243018;--white:#fff;--soft-bg:#faf9f2;--soft-border:#556b2f24;--shadow:0 18px 45px #2430181f;--shadow-soft:0 10px 24px #2430180f;--radius-xl:28px;--radius-lg:20px;--radius-md:14px;--container:1180px;--nav-offset:96px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);background:var(--soft-bg);margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}a{color:inherit}button,input,select{font:inherit}.site-shell{min-height:100vh}.container{width:min(var(--container), calc(100% - 32px));margin:0 auto}.hero{background:radial-gradient(circle at 100% 0,#c5a0652e,#0000 24%),linear-gradient(135deg,#f7f3e7 0%,#efe8d1 100%);border-bottom:1px solid #556b2f14;padding:10px 0 60px}.nav{z-index:30;-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);background:#ffffffc7;border:1px solid #556b2f1f;border-radius:16px;grid-template-columns:160px 1fr 190px;align-items:center;gap:16px;width:min(1240px,100%);margin:2px auto 8px;padding:2px 12px;display:grid;position:sticky;top:10px;box-shadow:0 14px 30px #24301814}.brand{justify-content:flex-start;align-items:center;min-width:0;display:flex}.brand-link{text-decoration:none}.brand-logo{object-fit:contain;width:138px;height:auto;max-height:156px;display:block}.nav-links{flex-wrap:nowrap;justify-content:center;align-items:center;gap:6px;display:flex}.nav-links a{color:#243018d6;white-space:nowrap;border-radius:999px;padding:8px 12px;font-size:.9rem;font-weight:700;line-height:1;text-decoration:none;transition:background-color .18s,color .18s,transform .18s}.nav-links a:hover{color:var(--olive);background:#9caf882e;transform:translateY(-1px)}.nav-cta,.primary-cta,.primary-btn,.light-cta{cursor:pointer;border:none;text-decoration:none;transition:transform .18s,box-shadow .18s,opacity .18s,background .18s}.nav-cta,.primary-cta,.primary-btn{background:linear-gradient(135deg, var(--olive), #6b8441);color:var(--white);border-radius:14px;font-weight:800;box-shadow:0 14px 30px #556b2f33}.nav-cta{white-space:nowrap;justify-content:center;justify-self:end;align-items:center;min-height:40px;padding:10px 14px;font-size:.9rem;line-height:1;display:inline-flex}.nav-cta:hover,.primary-cta:hover,.primary-btn:hover,.light-cta:hover{transform:translateY(-1px)}.hero-grid{grid-template-columns:1.05fr .95fr;align-items:start;gap:36px;display:grid}.hero-copy{padding-top:28px}.eyebrow{color:var(--olive);letter-spacing:.03em;background:#9caf882e;border-radius:999px;margin-bottom:14px;padding:8px 12px;font-size:.82rem;font-weight:700;display:inline-block}.eyebrow.dark{background:#9caf8829}.eyebrow.light{color:var(--cream);background:#ffffff29}.hero-copy h1{color:var(--olive);letter-spacing:-.04em;margin:0 0 18px;font-size:clamp(2.5rem,6vw,4.5rem);line-height:.97}.hero-text{color:#243018d1;max-width:660px;margin:0 0 22px;font-size:1.08rem;line-height:1.8}.hero-highlights{flex-wrap:wrap;gap:12px;margin-bottom:18px;display:flex}.highlight-card{color:var(--ink);background:#ffffffa8;border:1px solid #556b2f1f;border-radius:14px;padding:12px 14px;font-weight:600}.hero-disclaimer{color:#243018ad;max-width:680px;font-size:.92rem;line-height:1.7}.calculator-panel{-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-radius:var(--radius-xl);box-shadow:var(--shadow);background:#ffffffe6;border:1px solid #556b2f1a;padding:28px}.calculator-top h2{color:var(--olive);margin:0 0 18px;font-size:1.9rem}.calculator-top p{color:#243018b8;margin:0;line-height:1.7}.calculator-label{text-transform:uppercase;letter-spacing:.1em;color:var(--gold);margin-bottom:10px;font-size:.78rem;font-weight:800}.progress-bar-wrap{align-items:center;margin:24px 0 26px;display:flex}.progress-dot{width:38px;height:38px;color:var(--olive);background:#e6e8dc;border-radius:999px;flex-shrink:0;place-items:center;font-weight:800;display:grid}.progress-dot.active{background:var(--olive);color:var(--white)}.progress-line{background:#dde2cf;border-radius:999px;flex:1;height:4px;margin:0 10px}.progress-line.active{background:var(--gold)}.step-panel{flex-direction:column;gap:16px;display:flex}.input-group{flex-direction:column;gap:8px;display:flex}.input-group label{color:var(--ink);font-weight:700}.currency-input{position:relative}.currency-input span{color:#24301899;font-weight:700;position:absolute;top:50%;left:16px;transform:translateY(-50%)}.currency-input input,.input-group select,.mini-form input{background:var(--white);border:1px solid #556b2f2e;border-radius:14px;outline:none;width:100%;padding:16px;transition:border-color .18s,box-shadow .18s}.currency-input input{padding-left:34px}.currency-input input:focus,.input-group select:focus,.mini-form input:focus{border-color:var(--gold);box-shadow:0 0 0 4px #c5a0651f}.helper-box,.info-box,.warning-box{border-radius:16px;padding:14px 16px;font-size:.95rem;line-height:1.7}.helper-box{background:#9caf8824;border:1px solid #9caf884d}.info-box{background:#f5f5dcd1;border:1px solid #c5a06547}.info-box.muted{background:#fff;border:1px solid #556b2f1f}.warning-box{color:#8c4b1b;background:#fff4ec;border:1px solid #efc4a0}.option-grid{grid-template-columns:1fr 1fr;gap:12px;display:grid}.option-card{background:var(--white);text-align:left;cursor:pointer;border:1px solid #556b2f29;border-radius:16px;flex-direction:column;gap:6px;padding:16px;display:flex}.option-card strong{color:var(--olive)}.option-card span{color:#243018b3}.option-card.selected{border:2px solid var(--olive);background:#9caf881f}.result-card{background:linear-gradient(135deg,#fbf8ef 0%,#f2ead4 100%);border:1px solid #c5a06552;border-radius:22px;padding:22px}.result-label{color:var(--olive);margin-bottom:10px;font-weight:700}.result-value{color:var(--ink);margin-bottom:12px;font-size:clamp(2.4rem,5vw,3.2rem);font-weight:800;line-height:1}.result-meta{color:#243018bd;margin:0;line-height:1.7}.summary-grid{grid-template-columns:1fr 1fr;gap:12px;display:grid}.summary-box{background:#ffffffe0;border:1px solid #556b2f1f;border-radius:16px;padding:16px}.summary-box span{color:#24301899;margin-bottom:6px;font-size:.88rem;display:block}.summary-box strong{color:var(--ink)}.full-width{justify-content:center;align-items:center;width:100%;padding:16px 20px;display:inline-flex}.disabled-cta{color:#243018c7;text-align:center;background:#d7dccf;border-radius:14px;justify-content:center;align-items:center;width:100%;padding:16px 20px;font-weight:800;display:inline-flex}.fine-print,.mini-form-note{color:#2430189e;margin:0;font-size:.82rem;line-height:1.7}.calculator-actions{justify-content:space-between;gap:12px;margin-top:24px;display:flex}.secondary-btn{background:var(--white);color:var(--olive);cursor:pointer;border:1px solid #556b2f2e;border-radius:14px;padding:14px 18px;font-weight:700}.primary-btn{padding:14px 20px;font-weight:800}.secondary-btn:disabled,.primary-btn:disabled{opacity:.45;cursor:not-allowed;transform:none}section{scroll-margin-top:var(--nav-offset);padding:86px 0}#calculator,#benefits,#uses,#borrow-better,#next-step,#faq,#footer{scroll-margin-top:var(--nav-offset)}.section-heading{max-width:760px;margin-bottom:36px}.section-heading.centered{text-align:center;margin-left:auto;margin-right:auto}.section-heading h2,.speed-grid h2,.final-cta-card h2,.lead-copy h2{color:var(--olive);letter-spacing:-.03em;margin:0 0 14px;font-size:clamp(2rem,4vw,3rem);line-height:1.05}.section-heading p,.section-copy,.final-cta-card p,.lead-copy p{color:#243018b8;margin:0;font-size:1.02rem;line-height:1.8}.trust-section{background:var(--white)}.trust-grid,.uses-grid{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.trust-card,.use-card,.feature-card,.lead-form-card{background:var(--white);border:1px solid var(--soft-border);box-shadow:var(--shadow-soft);border-radius:22px;padding:24px}.trust-card h3,.use-card h3,.feature-card h3{color:var(--olive);margin:0 0 10px}.trust-card p,.use-card p,.feature-card p{color:#243018b8;margin:0;line-height:1.75}.uses-section{background:linear-gradient(#faf9f2 0%,#f4efdf 100%)}.uses-grid{grid-template-columns:repeat(4,1fr)}.use-icon{margin-bottom:14px;font-size:1.8rem}.avoid-box{background:#fff7ef;border:1px solid #c5a06557;border-radius:24px;margin-top:24px;padding:24px}.avoid-box h3{color:#8b5e22;margin:0 0 10px}.avoid-box p{color:#7a5622;margin:0;line-height:1.8}.speed-section{background:var(--white)}.speed-grid{grid-template-columns:1fr 1fr;align-items:start;gap:32px;display:grid}.feature-stack{flex-direction:column;gap:16px;display:flex}.feature-card{align-items:flex-start;gap:16px;display:flex}.feature-number{width:48px;height:48px;color:var(--olive);background:#c5a06529;border-radius:16px;flex-shrink:0;place-items:center;font-weight:800;display:grid}.lead-section{background:linear-gradient(#f7f4ea 0%,#fdfcf8 100%)}.lead-box{border:1px solid var(--soft-border);box-shadow:var(--shadow);background:#fffc;border-radius:28px;grid-template-columns:1fr 1fr;align-items:center;gap:24px;padding:28px;display:grid}.mini-form{flex-direction:column;gap:14px;display:flex}.mini-form-row{grid-template-columns:1fr 1fr;gap:12px;display:grid}.faq-section{background:var(--white)}.faq-list{flex-direction:column;gap:14px;max-width:860px;margin:0 auto;display:flex}.faq-item{background:var(--white);border:1px solid var(--soft-border);border-radius:18px;overflow:hidden}.faq-question{text-align:left;cursor:pointer;width:100%;color:var(--olive);background:0 0;border:none;justify-content:space-between;align-items:center;gap:16px;padding:20px 22px;font-weight:700;display:flex}.faq-answer{color:#243018bd;padding:0 22px 20px;line-height:1.8}.faq-icon{color:var(--gold);font-size:1.4rem;line-height:1}.final-cta-section{padding-top:0;padding-bottom:100px}.final-cta-card{background:linear-gradient(135deg, var(--olive) 0%, #6c8142 100%);color:var(--white);border-radius:30px;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:24px;padding:34px;display:flex}.final-cta-card h2,.final-cta-card p{color:var(--white)}.light-cta{background:var(--cream);color:var(--olive);border-radius:14px;padding:16px 22px;font-weight:800;box-shadow:0 14px 34px #2430182e}.site-footer{color:#ffffffe0;background:#2f3d1d;border-top:1px solid #ffffff14;padding:56px 0 24px}.footer-grid{grid-template-columns:1.3fr .8fr .9fr;gap:28px;display:grid}.footer-column h3,.footer-column h4{color:var(--cream);margin:0 0 14px}.footer-brand-column h3{font-size:1.4rem}.footer-license-list{color:#fffc;flex-direction:column;gap:6px;line-height:1.7;display:flex}.footer-disclaimer{color:#ffffffc7;max-width:560px;margin:18px 0 0;line-height:1.8}.footer-links{flex-direction:column;gap:10px;display:flex}.footer-links a{color:#ffffffd6;line-height:1.6;text-decoration:none}.footer-links a:hover{color:var(--cream);text-decoration:underline}.footer-disclosure-block{border-top:1px solid #ffffff14;flex-direction:column;gap:14px;margin-top:28px;padding-top:24px;display:flex}.footer-disclosure-block p{color:#ffffffbd;margin:0;font-size:.88rem;line-height:1.8}.footer-bottom{color:#ffffffa3;border-top:1px solid #ffffff14;margin-top:28px;padding-top:20px;font-size:.9rem}.mobile-sticky-cta{z-index:50;background:linear-gradient(135deg, var(--olive), #6b8441);color:var(--white);border-radius:16px;justify-content:center;align-items:center;padding:16px 18px;font-weight:800;text-decoration:none;display:none;position:fixed;bottom:12px;left:12px;right:12px;box-shadow:0 18px 40px #24301838}@media (width<=1100px){.hero-grid,.speed-grid,.lead-box,.footer-grid{grid-template-columns:1fr}.uses-grid{grid-template-columns:repeat(2,1fr)}.trust-grid{grid-template-columns:1fr}.nav{grid-template-columns:1fr;justify-items:center;gap:10px}.nav-links{flex-wrap:wrap;order:3;justify-content:center;width:100%}.brand{justify-content:center}.brand-logo{width:126px;max-height:52px}.nav-cta{justify-self:center}}@media (width<=768px){:root{--nav-offset:84px}.hero{padding-bottom:54px}section{padding:68px 0}.calculator-panel,.lead-box,.final-cta-card{padding:22px}.option-grid,.summary-grid,.mini-form-row,.uses-grid{grid-template-columns:1fr}.calculator-actions{flex-direction:column}.secondary-btn,.primary-btn{width:100%}.nav{grid-template-columns:1fr;gap:8px;margin-bottom:18px;padding:4px 10px;top:8px}.brand-logo{width:112px;max-height:46px}.nav-links,.nav-cta{display:none}.mobile-sticky-cta{display:flex}.final-cta-section{padding-bottom:120px}.hero-copy h1{font-size:clamp(2.1rem,12vw,3rem)}.site-footer{padding-bottom:96px}}@media (width<=520px){.container{width:min(var(--container), calc(100% - 20px))}.calculator-panel{border-radius:22px;padding:18px}.highlight-card,.helper-box,.info-box,.warning-box{font-size:.92rem}.section-heading h2,.speed-grid h2,.final-cta-card h2,.lead-copy h2{font-size:1.9rem}}
