:root{--blue:#1D4ED8;--blue-700:#1E40AF;--navy:#0B1F4D;--navy-2:#13306E;--sky:#38BDF8;--sky-soft:#E8F4FE;--sky-line:#CFE6FB;--orange:#F97316;--orange-btn:#C2410C;--orange-btn-hover:#9A3412;--ink:#0F172A;--text:#1E293B;--muted:#475569;--line:#DCE6F3;--bg:#FFFFFF;--bg-soft:#F5F9FE;--radius:16px;--shadow:0 10px 30px rgba(11,31,77,.10);--font:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--wrap:1200px;--nav-h:72px}*,*::before,*::after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;font-family:var(--font);font-size:17px;line-height:1.7;color:var(--text);background:var(--bg)}img{max-width:100%;height:auto;display:block}a{color:var(--blue)}h1,h2,h3{color:var(--ink);line-height:1.25;text-wrap:balance}.answer-lead{text-wrap:balance}.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}.skip-link{position:absolute;left:12px;top:-60px;background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px;z-index:2147483001;text-decoration:none}.skip-link:focus{top:12px}:focus-visible{outline:3px solid var(--orange);outline-offset:2px}.site-header{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:rgba(255,255,255,.97);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}.nav-wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px;height:var(--nav-h);display:flex;align-items:center;gap:28px}.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.28rem;letter-spacing:-.01em;flex-shrink:0}.logo svg{width:36px;height:36px}.primary-nav{display:flex;align-items:center;flex:1;min-width:0}.nav-links{display:flex;align-items:center;gap:4px;list-style:none;margin:0 auto 0 0;padding:0}.nav-links>li{position:relative}.nav-links>li>a,.dd-btn{display:flex;align-items:center;gap:6px;min-height:44px;padding:8px 12px;border-radius:10px;font:600 .97rem var(--font);color:var(--ink);text-decoration:none;background:none;border:0;cursor:pointer;white-space:nowrap}.nav-links>li>a:hover,.dd-btn:hover,.has-dd.open>.dd-btn{background:var(--sky-soft);color:var(--blue-700)}.dd-btn::after{content:"";width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);margin-left:2px}.dd{position:absolute;top:100%;left:0;margin:0;padding:8px;list-style:none;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);width:max-content;max-width:calc(100vw - 32px);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:5}.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}.dd a{display:block;padding:10px 14px;border-radius:9px;color:var(--ink);text-decoration:none;font-weight:500;font-size:.96rem;white-space:nowrap;min-height:44px}.dd a:hover,.dd a:focus{background:var(--sky-soft);color:var(--blue-700)}.btn-apply{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:10px 26px;border-radius:999px;background:var(--orange-btn);color:#fff!important;font-weight:700;text-decoration:none;white-space:nowrap;flex-shrink:0;margin-left:40px}.btn-apply:hover{background:var(--orange-btn-hover)}.menu-toggle{display:none;margin-left:auto;min-height:44px;min-width:44px;padding:8px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;font:700 .95rem var(--font);color:var(--navy);cursor:pointer}.hero{position:relative;min-height:550px;display:flex;align-items:center;overflow:hidden;background:var(--navy);color:#fff;isolation:isolate}.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 35%;z-index:-2}.hero::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(8,20,52,.93) 0%,rgba(8,20,52,.84) 34%,rgba(8,20,52,.48) 58%,rgba(8,20,52,.08) 82%,rgba(8,20,52,0) 100%)}.hero-inner{width:100%;max-width:var(--wrap);margin:0 auto;padding:56px 20px}.hero-text{max-width:600px}.hero h1{color:#fff;font-size:clamp(2rem,3.6vw,3.05rem);margin:0 0 12px;letter-spacing:-.015em}.hero .updated{margin:0 0 14px;font-size:.92rem;color:#D6E6FA}.hero .byline{margin:0 0 6px;font-size:.95rem;color:#E6F0FC}.hero .lead{font-size:1.15rem;color:#EAF2FD;margin:0 0 26px;max-width:560px}.hero-ctas{display:flex;flex-wrap:wrap;gap:12px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:12px 26px;border-radius:999px;font-weight:700;text-decoration:none;font-size:1rem;border:2px solid transparent}.btn-primary{background:var(--orange-btn);color:#fff}.btn-primary:hover{background:var(--orange-btn-hover)}.btn-ghost{border-color:rgba(255,255,255,.75);color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.12)}.breadcrumb{background:var(--bg-soft);border-bottom:1px solid var(--line);font-size:.9rem}.breadcrumb ol{max-width:var(--wrap);margin:0 auto;padding:12px 20px;list-style:none;display:flex;flex-wrap:wrap;gap:6px}.breadcrumb li+li::before{content:"\203A";margin-right:6px;color:var(--muted)}.breadcrumb a{color:var(--blue-700)}.breadcrumb [aria-current]{color:var(--muted)}.form-section{padding:40px 20px 8px;scroll-margin-top:calc(var(--nav-h) + 12px)}.form-card{position:relative;z-index:1;isolation:isolate;max-width:1020px;margin:0 auto;background:#fff;border-radius:16px;box-shadow:0 8px 28px rgba(11,31,77,.14);padding:34px 34px 30px;border:1px solid var(--line);overflow:hidden}.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,var(--blue),var(--sky) 60%,var(--orange))}.form-card .form-title{margin:0 0 6px;font-size:1.55rem;text-align:center}.form-card .form-trust{margin:0 0 20px;text-align:center;color:var(--muted);font-size:.95rem}.form-embed{position:relative;z-index:1;isolation:isolate;min-height:120px}.layout{max-width:var(--wrap);margin:0 auto;padding:44px 20px 24px;display:grid;grid-template-columns:minmax(0,1fr) 336px;gap:48px;align-items:start}.layout-narrow{max-width:860px;margin:0 auto;padding:44px 20px 24px}@media (max-width:1020px){.layout{grid-template-columns:minmax(0,1fr);gap:36px}}@media (max-width:760px){.menu-toggle{display:inline-flex;align-items:center}.primary-nav{display:none;position:absolute;left:0;right:0;top:var(--nav-h);background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow);flex-direction:column;align-items:stretch;padding:10px 16px 18px;max-height:calc(100vh - var(--nav-h));overflow:auto}.site-header.menu-open .primary-nav{display:flex}.nav-links{flex-direction:column;align-items:stretch;margin:0}.nav-links>li>a,.dd-btn{width:100%;justify-content:space-between}.dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;padding:0 0 6px 12px;width:auto;max-width:none}.dd::before{display:none}.has-dd:hover>.dd,.has-dd:focus-within>.dd{display:none}.has-dd.open>.dd{display:block}.btn-apply{margin:12px 0 0}.hero{min-height:0}.hero::after{background:linear-gradient(180deg,rgba(8,20,52,.78) 0%,rgba(8,20,52,.86) 100%)}.hero-inner{padding:48px 20px 52px}.form-card{padding:26px 16px 20px;border-radius:12px}.form-section{padding:28px 12px 4px}}@media (min-width:761px){.hero-home .hero-img{left:30%;width:70%;object-position:center top;-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 22%);mask-image:linear-gradient(90deg,transparent 0,#000 22%)}}.article{min-width:0}.article>p,.article li{max-width:72ch}.article h2{font-size:1.65rem;margin:2.2em 0 .55em;scroll-margin-top:calc(var(--nav-h) + 16px)}.article h3{font-size:1.2rem;margin:1.6em 0 .4em}.article p{margin:0 0 1.05em}.article ul,.article ol{padding-left:1.3em;margin:0 0 1.2em}.article li{margin:.3em 0}.answer-lead{font-size:1.16rem;line-height:1.65;color:var(--ink);background:var(--sky-soft);border-left:5px solid var(--blue);border-radius:0 12px 12px 0;padding:18px 22px;margin:0 0 26px}.callout{background:var(--bg-soft);border:1px solid var(--sky-line);border-radius:14px;padding:18px 22px;margin:1.4em 0}.callout p:last-child,.callout ul:last-child{margin-bottom:0}.toc{border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:0 0 30px;background:#fff}.toc-title{margin:0 0 8px;font-weight:700;color:var(--navy)}.toc ol{margin:0;padding-left:1.2em;columns:2;column-gap:28px;font-size:.95rem}.toc li{margin:.25em 0;break-inside:avoid}@media (max-width:640px){.toc ol{columns:1}}.table-wrap{overflow-x:auto;margin:1.3em 0 1.6em;border:1px solid var(--line);border-radius:12px}.table-wrap table{width:100%;border-collapse:collapse;font-size:.95rem;min-width:520px}.table-wrap caption{text-align:left;padding:12px 14px 4px;font-weight:600;color:var(--navy)}.table-wrap th,.table-wrap td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}.table-wrap thead th{background:var(--navy);color:#fff;font-weight:600}.table-wrap tbody tr:nth-child(even){background:var(--bg-soft)}.table-wrap tbody tr:last-child td{border-bottom:0}.body-img{margin:1.6em auto 1.8em;max-width:420px}.body-img img{width:100%;border-radius:16px;box-shadow:var(--shadow)}.card-grid{display:grid;gap:18px;margin:1.4em 0 2em}.cols-5{grid-template-columns:repeat(5,minmax(0,1fr))}.cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}.cols-2{grid-template-columns:repeat(2,minmax(0,1fr))}.card{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;display:flex;flex-direction:column;box-shadow:0 2px 10px rgba(11,31,77,.05);transition:box-shadow .2s,transform .2s}.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}.card-img{display:block;aspect-ratio:16/10;overflow:hidden;background:var(--sky-soft)}.card-img img{width:100%;height:100%;object-fit:cover}.card-body{padding:14px 16px 16px;display:flex;flex-direction:column;gap:6px;flex:1}.card-body .card-title{margin:0;font-size:1.05rem;line-height:1.3}.card-body .card-title a{color:var(--ink);text-decoration:none}.card-body .card-title a:hover{color:var(--blue)}.card-body p{margin:0;font-size:.93rem;color:var(--muted);line-height:1.55}.card-meta{font-size:.82rem!important;color:var(--blue-700)!important;font-weight:600}.cols-5 .card-body{padding:12px 12px 14px}.cols-5 .card-body .card-title{font-size:.98rem}.cols-5 .card-body p{font-size:.86rem}.term-card{border:1px solid var(--sky-line);border-radius:14px;padding:20px;background:linear-gradient(180deg,#fff,var(--bg-soft));text-align:center}.term-card .term{margin:0;font-weight:700;color:var(--navy);font-size:1.05rem}.term-card .pay{margin:6px 0 2px;font-size:1.75rem;font-weight:800;color:var(--blue-700);font-variant-numeric:tabular-nums}.term-card .tot{margin:0;font-size:.9rem;color:var(--muted)}.cards-note{font-size:.85rem;color:var(--muted);margin:-1em 0 1.8em}.cluster{margin:2em 0}.section-label{font-weight:700;color:var(--navy);font-size:1.15rem;margin:0 0 4px}@media (max-width:1020px){.cols-5{grid-template-columns:minmax(0,1fr)}.cols-5 .card{flex-direction:row}.cols-5 .card-img{width:132px;flex-shrink:0;aspect-ratio:auto}}@media (max-width:760px){.cols-3{grid-template-columns:minmax(0,1fr)}}@media (min-width:761px) and (max-width:1020px){.cols-3.posts{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:560px){.cols-2{grid-template-columns:minmax(0,1fr)}}.rating-summary{display:flex;flex-wrap:wrap;gap:22px;align-items:center;background:var(--navy);color:#fff;border-radius:16px;padding:22px 26px;margin:1.4em 0 1em}.rating-summary .big{font-size:2.6rem;font-weight:800;line-height:1}.rating-summary p{margin:0;color:#DCE9FB}.stars{color:#FDBA74;letter-spacing:2px}.sample-note{font-size:.88rem;color:var(--muted);margin:0 0 1em}.review{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px}.review .stars{color:var(--orange-btn)}.review .r-title{margin:0;font-weight:700;color:var(--ink)}.review p{margin:0;font-size:.94rem}.review .who{font-size:.84rem;color:var(--muted);margin-top:auto}.mini-faq{margin-top:2.4em}.faq-item{border:1px solid var(--line);border-radius:14px;padding:16px 20px;margin:0 0 12px;background:#fff}.faq-item h3{margin:0 0 6px;font-size:1.08rem}.faq-item p{margin:0}.qa{border-bottom:1px solid var(--line);padding:4px 0 10px;margin-bottom:10px}.qa h3{margin-top:.9em}.steps{list-style:none;padding:0!important;counter-reset:s}.steps>li{counter-increment:s;position:relative;padding:4px 0 4px 58px;margin:0 0 18px}.steps>li::before{content:counter(s);position:absolute;left:0;top:6px;width:40px;height:40px;border-radius:12px;background:var(--blue);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}.steps>li h3{margin:6px 0 4px}dl.glossary{margin:1em 0}dl.glossary .term{border-bottom:1px solid var(--line);padding:12px 0;scroll-margin-top:calc(var(--nav-h) + 16px)}dl.glossary dt{font-weight:700;color:var(--navy);font-size:1.06rem}dl.glossary dd{margin:4px 0 0}section.lender{border:1px solid var(--line);border-radius:14px;padding:16px 20px;margin:0 0 14px;scroll-margin-top:calc(var(--nav-h) + 16px)}section.lender h3{margin:0 0 6px}.author-box{border:1px solid var(--sky-line);background:var(--bg-soft);border-radius:14px;padding:18px 22px;margin:2.2em 0 1.2em}.author-box .a-name{margin:0;font-weight:700;color:var(--navy)}.author-box .a-role{margin:0 0 6px;font-size:.92rem;color:var(--muted)}.author-box p{margin:0}.share{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin:0 0 2em}.share span{font-weight:700;color:var(--navy);margin-right:4px}.share a{display:inline-flex;align-items:center;min-height:44px;padding:8px 16px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-weight:600;font-size:.92rem;color:var(--ink)}.share a:hover{border-color:var(--blue);color:var(--blue)}.calc{border:1px solid var(--sky-line);border-radius:16px;background:linear-gradient(180deg,#fff,var(--bg-soft));padding:24px;margin:0 0 2em;box-shadow:var(--shadow)}.calc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.calc label{display:block;font-weight:700;color:var(--navy);margin-bottom:6px;font-size:.95rem}.calc input,.calc select{width:100%;min-height:46px;padding:10px 12px;border:1px solid #B9CBE3;border-radius:10px;font:inherit;background:#fff;color:var(--ink)}.calc input[type=range]{padding:0;min-height:32px;accent-color:var(--blue)}.calc-out{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:20px 0 8px}.calc-out div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px;text-align:center}.calc-out .v{display:block;font-size:1.45rem;font-weight:800;color:var(--blue-700);font-variant-numeric:tabular-nums}.calc-out .k{font-size:.85rem;color:var(--muted)}.calc-note{font-size:.85rem;color:var(--muted);margin:6px 0 0}.calc .table-wrap{max-height:340px;overflow:auto;background:#fff}@media (max-width:640px){.calc-grid,.calc-out{grid-template-columns:minmax(0,1fr)}}.sidebar{display:flex;flex-direction:column;gap:18px;min-width:0}.box{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 20px;font-size:.94rem;line-height:1.6}.box .box-title{margin:0 0 8px;font-weight:800;color:var(--navy);font-size:1.02rem}.box p{margin:0 0 8px}.box p:last-child{margin-bottom:0}.box ul{list-style:none;margin:0;padding:0}.box li{padding:6px 0;border-bottom:1px solid var(--line)}.box li:last-child{border-bottom:0}.box li a{text-decoration:none;font-weight:600}.box table{width:100%;border-collapse:collapse;font-size:.88rem}.box td,.box th{padding:6px 4px;border-bottom:1px solid var(--line);text-align:left}.box .num{font-variant-numeric:tabular-nums;text-align:right}.box-cta{background:var(--navy);border-color:var(--navy);color:#DCE9FB}.box-cta .box-title{color:#fff}.box-cta .btn{width:100%;margin-top:6px}.box-soft{background:var(--sky-soft);border-color:var(--sky-line)}.box-sticky{position:sticky;top:calc(var(--nav-h) + 18px)}.box .small{font-size:.82rem;color:var(--muted)}@media (max-width:1020px){.box-x{display:none}.box-sticky{position:static}}.cta-zone{background:linear-gradient(120deg,var(--navy),var(--blue-700));color:#fff;margin-top:40px}.cta-zone .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px;padding-top:46px;padding-bottom:46px}.cta-zone .cta-title{margin:0 0 6px;font-size:1.6rem;font-weight:800;color:#fff}.cta-zone p{margin:0;color:#DCE9FB;max-width:640px}.site-footer{background:#0A1733;color:#C7D5EC;font-size:.93rem}.footer-band{width:100%;height:220px;object-fit:cover;object-position:center 40%;opacity:.9}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(4,1fr);gap:30px;padding-top:44px;padding-bottom:28px}.footer-grid .f-head{margin:0 0 10px;font-weight:700;color:#fff;font-size:1rem}.footer-grid ul{list-style:none;margin:0;padding:0}.footer-grid li{margin:0 0 4px}.footer-grid a{color:#C7D5EC;text-decoration:none;display:inline-block;padding:4px 0}.footer-grid a:hover{color:#fff;text-decoration:underline}.f-brand .logo{color:#fff}.f-brand address{font-style:normal;margin-top:12px;line-height:1.75}.footer-disclosure{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;padding-bottom:30px;font-size:.84rem;line-height:1.7;color:#A9BBDA}.footer-disclosure p{margin:0 0 10px}@media (max-width:1020px){.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.f-brand{grid-column:1/-1}}@media (max-width:480px){.footer-grid{grid-template-columns:minmax(0,1fr)}}.to-top{position:fixed;right:18px;bottom:18px;width:48px;height:48px;border-radius:50%;border:0;background:var(--blue);color:#fff;font-size:1.3rem;cursor:pointer;box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:opacity .2s;z-index:50}.to-top.show{opacity:1;visibility:visible}.trust-body h2{font-size:1.5rem}.sitemap-list{columns:2;column-gap:32px}@media (max-width:640px){.sitemap-list{columns:1}}@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}.stars-dark{color:var(--orange-btn)}@media (max-width:760px){.footer-grid a,.box li a,.breadcrumb a{display:inline-flex;align-items:center;min-height:44px}.footer-grid li{margin:0}}