:root{--red:#C8102E;--red-700:#A30D25;--red-50:#FDF1F3;--navy:#1E3A8A;--navy-900:#0F1F4D;--navy-950:#0A1430;--ink:#15203D;--muted:#4A5672;--line:#E2E6EF;--tint:#F4F6FB;--white:#fff;--radius:16px;--shadow:0 10px 30px rgba(15,31,77,.10);--font:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.7;color:var(--ink);background:var(--white);overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-underline-offset:3px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--red);outline-offset:2px;border-radius:6px}
h1,h2,h3{line-height:1.2;color:var(--ink);text-wrap:balance;letter-spacing:-.01em}
.skip{position:absolute;left:-9999px;top:8px;z-index:2147483001;background:var(--navy-900);color:#fff;padding:10px 16px;border-radius:8px}
.skip:focus{left:12px}
.wrap{max-width:1240px;margin:0 auto;padding-left:20px;padding-right:20px}
/* header + nav */
.site-header{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(8px)}
.nav{display:flex;align-items:center;gap:6px;height:72px;max-width:1240px;margin:0 auto;padding:0 20px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:20px;letter-spacing:-.02em;color:var(--ink);text-decoration:none;margin-right:22px;white-space:nowrap}
.brand img{width:38px;height:38px}
.menu{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{display:flex;align-items:center;gap:6px;height:44px;padding:0 12px;border:0;border-radius:10px;background:none;font:600 15px/1 var(--font);color:var(--ink);text-decoration:none;cursor:pointer;white-space:nowrap}
.menu>li>a:hover,.menu>li>button:hover,.has-dd.open>button{background:var(--tint);color:var(--navy)}
.menu>li>a[aria-current=page]{color:var(--red)}
.caret{width:10px;height:10px;transition:transform .2s}
.has-dd.open .caret{transform:rotate(180deg)}
.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:0 18px 40px rgba(15,31,77,.16);width:max-content;max-width:calc(100vw - 32px);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:2}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.dd a{display:flex;align-items:center;min-height:44px;padding:8px 14px;border-radius:9px;color:var(--ink);text-decoration:none;font-size:15px;font-weight:500;white-space:nowrap}
.dd a:hover,.dd a[aria-current=page]{background:var(--red-50);color:var(--red-700)}
.nav-spacer{flex:1 1 40px;min-width:40px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 24px;border-radius:12px;font:700 16px/1 var(--font);text-decoration:none;cursor:pointer;border:2px solid transparent;transition:background .15s,transform .15s}
.btn-red{background:var(--red);color:#fff}
.btn-red:hover{background:var(--red-700)}
.btn-ghost{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.55)}
.btn-ghost:hover{background:rgba(255,255,255,.18)}
.btn-apply{min-height:44px;padding:0 20px;font-size:15px;white-space:nowrap}
.menu-toggle{display:none;margin-left:auto;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:#fff;cursor:pointer;align-items:center;justify-content:center}
.menu-toggle span,.menu-toggle span::before,.menu-toggle span::after{display:block;width:20px;height:2px;background:var(--ink);position:relative;content:""}
.menu-toggle span::before{position:absolute;top:-6px}
.menu-toggle span::after{position:absolute;top:6px}
/* hero — layout C full-bleed */
.hero{position:relative;isolation:isolate;display:flex;align-items:center;min-height:525px;background:var(--navy-950);color:#fff;overflow:hidden}
.hero-bg{position:absolute;inset:0;z-index:-2}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:62% 32%}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(10,20,48,.92) 0%,rgba(10,20,48,.82) 36%,rgba(10,20,48,.42) 60%,rgba(10,20,48,.10) 100%)}
.hero-inner{width:100%;max-width:1240px;margin:0 auto;padding:56px 20px 64px}
.hero-text{max-width:600px}
.crumbs{margin:0 0 18px;padding:0;list-style:none;display:flex;flex-wrap:wrap;gap:6px;font-size:14px;line-height:1.4}
.crumbs li{display:flex;align-items:center;gap:6px;color:rgba(255,255,255,.85)}
.crumbs li+li::before{content:"›";color:rgba(255,255,255,.6)}
.crumbs a{color:#fff;text-decoration:underline;text-decoration-color:rgba(255,255,255,.45)}
.hero h1{color:#fff;font-size:clamp(32px,4.2vw,50px);font-weight:800;margin:0 0 14px}
.updated{margin:0 0 16px;font-size:14px;color:rgba(255,255,255,.88)}
.byline{margin:0 0 6px;font-size:15px;color:#fff}
.hero-lead{margin:0 0 26px;font-size:19px;line-height:1.6;color:rgba(255,255,255,.94);text-wrap:balance}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px}
@media (max-width:900px){
 .menu-toggle{display:inline-flex}
 .nav-spacer{display:none}
 .nav .btn-apply{display:none}
 .menu{position:absolute;left:0;right:0;top:72px;display:none;flex-direction:column;align-items:stretch;gap:0;padding:10px 16px 18px;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(15,31,77,.12);max-height:calc(100vh - 72px);overflow-y:auto}
 .site-header.menu-open .menu{display:flex}
 .menu>li>a,.menu>li>button{width:100%;justify-content:space-between;height:auto;min-height:48px;padding:12px}
 .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.open>.dd{display:block}
 .menu .mobile-apply{display:block;padding-top:10px}
 .menu .mobile-apply .btn,.menu>li.mobile-apply>a{width:100%;justify-content:center;background:var(--red);color:#fff;border-radius:12px;min-height:48px}
}
@media (min-width:901px){.menu .mobile-apply{display:none}}
@media (max-width:760px){
 body{font-size:16.5px}
 .hero{min-height:0}
 .hero::before{background:rgba(10,20,48,.76)}
 .hero-inner{padding:40px 16px 44px}
 .hero-lead{font-size:17px}
 .hero h1{font-size:30px}
 .wrap{padding-left:16px;padding-right:16px}
 .nav{padding:0 16px}
}

/* ---------- form card ---------- */
.form-section{position:relative;z-index:1;isolation:isolate;padding:0 20px;margin:40px auto 56px;max-width:1020px}
.form-card{position:relative;background:#fff;border-radius:16px;box-shadow:0 8px 28px rgba(15,31,77,.14),0 2px 6px rgba(15,31,77,.06);padding:30px 28px 26px;overflow:hidden}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,var(--red),var(--navy))}
.form-title{margin:0;font-size:24px;font-weight:800;line-height:1.25;text-align:center;color:var(--ink)}
.form-trust{margin:6px 0 18px;text-align:center;color:var(--muted);font-size:15px}
.form-embed{position:relative;z-index:1;isolation:isolate;min-height:120px}
/* ---------- section bands (home) ---------- */
.band{padding:64px 0}
.band-tint{background:var(--tint)}
.band-head{max-width:760px;margin:0 0 28px}
.band-head h2{font-size:clamp(26px,3vw,34px);margin:0 0 10px}
.band-head p{margin:0;color:var(--muted)}
/* ---------- cards ---------- */
.cards{display:grid;gap:22px;list-style:none;margin:0;padding:0}
.cols-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.cols-4{grid-template-columns:repeat(4,minmax(0,1fr))}
.cols-5{grid-template-columns:repeat(5,minmax(0,1fr))}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:0 2px 8px rgba(15,31,77,.05);transition:box-shadow .2s,transform .2s;min-width:0}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.card-img{display:block;aspect-ratio:16/10;overflow:hidden;background:var(--tint)}
.card-img img{width:100%;height:100%;object-fit:cover}
.card-body{display:flex;flex-direction:column;gap:8px;padding:18px 18px 20px;flex:1}
.card-tag{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--red-700)}
.card-title{margin:0;font-size:19px;line-height:1.3;font-weight:750;text-wrap:balance}
.card-title a{color:var(--ink);text-decoration:none}
.card-title a:hover{color:var(--navy);text-decoration:underline}
.card-text{margin:0;font-size:15px;line-height:1.6;color:var(--muted)}
.card-more{margin-top:auto;font-size:15px;font-weight:700;color:var(--navy);text-decoration:none}
.card-more:hover{text-decoration:underline}
.term-card{border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:#fff;text-align:center;display:flex;flex-direction:column;gap:6px}
.term-card .term{margin:0;font-size:14px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.term-card .pay{margin:0;font-size:30px;font-weight:800;color:var(--navy);font-variant-numeric:tabular-nums;line-height:1.2}
.term-card .pay small{font-size:15px;font-weight:600;color:var(--muted)}
.term-card .int{margin:0;font-size:14px;color:var(--muted)}
.term-card a{margin-top:6px;font-weight:700;font-size:15px}
.block{margin:36px 0}
.block-title{margin:0 0 6px;font-size:22px;font-weight:800;line-height:1.3;color:var(--ink);text-wrap:balance}
.block-note{margin:0 0 18px;font-size:15px;color:var(--muted)}
/* ---------- layout ---------- */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;align-items:start;padding-top:48px;padding-bottom:64px}
.layout.no-side{grid-template-columns:minmax(0,1fr);max-width:860px}
.article{min-width:0}
.article>.intro>p:first-child{font-size:18.5px}
.article h2{font-size:clamp(25px,2.6vw,31px);margin:2.2em 0 .6em;scroll-margin-top:96px}
.article h3{font-size:21px;margin:1.6em 0 .5em}
.article p{margin:0 0 1.05em}
.article p.answer-lead{font-size:18px;font-weight:500;color:var(--ink);text-wrap:balance}
.article ul,.article ol{padding-left:1.3em;margin:0 0 1.2em}
.article li{margin:.35em 0}
.article strong{color:var(--ink)}
.toc{margin:28px 0 8px;padding:22px 24px;background:var(--tint);border-radius:var(--radius)}
.toc-title{margin:0 0 10px;font-weight:800;font-size:16px;letter-spacing:.04em;text-transform:uppercase;color:var(--navy-900)}
.toc ol{margin:0;padding-left:1.25em;columns:2;column-gap:32px}
.toc li{margin:.25em 0;break-inside:avoid;font-size:15.5px;line-height:1.45}
.toc a{color:var(--navy);text-decoration:none}
.toc a:hover{text-decoration:underline}
.body-img{margin:32px auto;max-width:440px}
.body-img img{width:100%;border-radius:var(--radius);box-shadow:var(--shadow)}
.body-img figcaption{margin-top:10px;font-size:14px;color:var(--muted);text-align:center;line-height:1.5}
.table-wrap{overflow-x:auto;margin:0 0 1.4em;border:1px solid var(--line);border-radius:14px;-webkit-overflow-scrolling:touch}
table.data{width:100%;border-collapse:collapse;font-size:15px;line-height:1.5;min-width:520px}
table.data caption{caption-side:top;text-align:left;padding:12px 14px;font-weight:700;color:var(--ink)}
table.data th,table.data td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
table.data thead th{background:var(--navy-900);color:#fff;font-weight:700;white-space:nowrap}
table.data tbody tr:nth-child(even){background:var(--tint)}
table.data tbody tr:last-child td{border-bottom:0}
table.data td{font-variant-numeric:tabular-nums}
.callout,.verdict{margin:0 0 1.4em;padding:18px 22px;border-radius:14px;background:var(--red-50);border:1px solid #F4CCD3}
.callout p:last-child,.verdict p:last-child{margin:0}
.verdict{background:#EEF2FB;border-color:#CBD6F0}
.verdict p{font-size:18px;font-weight:600}
dl.glossary{margin:0 0 1.4em}
dl.glossary dt{font-weight:800;font-size:19px;margin:1.2em 0 .25em;scroll-margin-top:96px;color:var(--navy-900)}
dl.glossary dd{margin:0;color:var(--ink)}
.faq-block .faq-item{border:1px solid var(--line);border-radius:14px;padding:18px 20px;margin:0 0 14px;background:#fff}
.faq-block .faq-item h3{margin:0 0 8px;font-size:18.5px}
.faq-block .faq-item p{margin:0;color:var(--ink)}
.steps{list-style:none;counter-reset:s;margin:28px 0;padding:0;display:grid;gap:14px}
.steps li{counter-increment:s;position:relative;padding:18px 20px 18px 74px;border:1px solid var(--line);border-radius:14px;background:#fff}
.steps li::before{content:counter(s);position:absolute;left:20px;top:18px;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.steps strong{display:block;font-size:18px;margin-bottom:4px}
.steps span{display:block;color:var(--muted);font-size:15.5px;line-height:1.6}
.post-meta{display:flex;flex-wrap:wrap;gap:6px 18px;margin:0 0 6px;font-size:14px;color:rgba(255,255,255,.88)}
.share{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin:36px 0 0;padding-top:22px;border-top:1px solid var(--line)}
.share-label{font-weight:700;margin-right:4px}
.share a{display:inline-flex;align-items:center;min-height:44px;padding:0 16px;border:1px solid var(--line);border-radius:10px;text-decoration:none;font-weight:600;font-size:15px;color:var(--ink)}
.share a:hover{border-color:var(--navy);color:var(--navy)}
.author-box{margin:28px 0 0;padding:22px 24px;border-radius:var(--radius);background:var(--tint)}
.author-box .who{margin:0 0 4px;font-weight:800;font-size:18px}
.author-box .role{margin:0 0 8px;color:var(--red-700);font-weight:600;font-size:15px}
.author-box p:last-child{margin:0;font-size:15.5px;color:var(--muted)}
.rating-summary{display:flex;flex-wrap:wrap;align-items:center;gap:20px;margin:28px 0;padding:24px;border-radius:var(--radius);background:var(--tint)}
.rating-summary p{margin:0}
.rating-big{font-size:52px;font-weight:800;line-height:1;color:var(--navy-900)}
.stars{color:#E0A100;letter-spacing:2px;font-size:20px}
.review-card{border:1px dashed #C4CBDB;border-radius:14px;padding:18px;background:#fff;display:flex;flex-direction:column;gap:8px;min-width:0}
.review-card .sample{align-self:flex-start;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);background:var(--tint);border-radius:6px;padding:3px 8px}
.review-card p{margin:0;font-size:15px;line-height:1.55;color:var(--muted)}
.rc-filled{border:1px solid var(--line);background:#fff}
.rc-head{display:flex;align-items:center;gap:10px}
.rc-avatar{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-size:16px;font-weight:700;flex-shrink:0}
.rc-name{font-size:14px;font-weight:700;color:var(--ink);margin:0}
.rc-date{font-size:13px;color:var(--muted);margin:0}
.rc-stars{font-size:16px;letter-spacing:1px;margin:0}
.stars-on{color:#E0A100}
.stars-off{color:#D1D8E8}
.rc-text{font-size:15px;line-height:1.6;color:var(--ink);margin:0}
.calc{margin:8px 0 32px;padding:26px;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff}
.calc-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.calc label{display:block;font-weight:700;font-size:15px;margin-bottom:6px}
.calc input[type=number],.calc select{width:100%;min-height:48px;padding:0 12px;border:1px solid #C4CBDB;border-radius:10px;font:600 17px var(--font);color:var(--ink);background:#fff}
.calc input[type=range]{width:100%;margin-top:12px;accent-color:var(--red)}
.calc-out{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:22px}
.calc-out div{padding:16px;border-radius:12px;background:var(--tint);text-align:center}
.calc-out span{display:block;font-size:13px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--muted)}
.calc-out strong{display:block;font-size:26px;color:var(--navy-900);font-variant-numeric:tabular-nums}
.calc-note{margin:14px 0 0;font-size:14px;color:var(--muted)}
.nap{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:24px 0 32px}
.nap div{padding:18px;border:1px solid var(--line);border-radius:14px}
.nap span{display:block;font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.sitemap-list{columns:2;column-gap:40px;padding-left:1.2em}
.sitemap-list li{break-inside:avoid}
/* ---------- sidebar ---------- */
.sidebar{display:flex;flex-direction:column;gap:18px;min-width:0}
.side-box{border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:#fff;font-size:15px;line-height:1.6}
.side-box .box-title{margin:0 0 10px;font-weight:800;font-size:17px;line-height:1.3;color:var(--ink)}
.side-box p{margin:0 0 10px}
.side-box p:last-child{margin-bottom:0}
.side-box ul,.side-box ol{margin:0;padding-left:1.15em}
.side-box li{margin:.3em 0}
.side-box.links ul{list-style:none;padding:0}
.side-box.links li{margin:0;border-top:1px solid var(--line)}
.side-box.links li:first-child{border-top:0}
.side-box.links a{display:flex;align-items:center;min-height:42px;text-decoration:none;font-weight:600}
.side-box.links a:hover{text-decoration:underline}
.side-box.cta{background:var(--navy-900);border-color:var(--navy-900);color:#fff}
.side-box.cta .box-title{color:#fff}
.side-box.cta p{color:rgba(255,255,255,.9)}
.side-box.cta .btn{width:100%}
.side-box.sticky{position:sticky;top:92px}
.side-box table{width:100%;border-collapse:collapse;font-size:14.5px}
.side-box td,.side-box th{padding:7px 4px;border-bottom:1px solid var(--line);text-align:left;font-variant-numeric:tabular-nums}
.side-box th{font-weight:700}
.side-rating{font-size:34px;font-weight:800;color:var(--navy-900);line-height:1}
.small{font-size:13.5px;color:var(--muted)}
/* ---------- CTA zone + footer ---------- */
.cta-zone{background:linear-gradient(120deg,var(--navy-900),var(--navy));color:#fff;padding:56px 0}
.cta-zone .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}
.cta-zone h2{color:#fff;margin:0 0 8px;font-size:clamp(25px,3vw,33px)}
.cta-zone p{margin:0;color:rgba(255,255,255,.9);max-width:640px}
.footer{background:var(--navy-950);color:rgba(255,255,255,.86);font-size:15px}
.footer-photo{position:relative;height:200px;overflow:hidden}
.footer-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 60%}
.footer-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,20,48,0) 30%,var(--navy-950) 100%)}
.footer-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,3fr);gap:40px;padding:40px 0 28px}
.f-links{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:24px}
.footer .f-title{margin:0 0 12px;font-weight:800;color:#fff;font-size:16px}
.footer ul{list-style:none;margin:0;padding:0}
.footer li{margin:0}
.footer a{color:rgba(255,255,255,.86);text-decoration:none;display:inline-flex;align-items:center;min-height:36px}
.footer a:hover{color:#fff;text-decoration:underline}
.footer .f-brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:20px;color:#fff;margin-bottom:12px}
.footer .f-brand img{width:36px;height:36px;background:#fff;border-radius:9px;padding:3px}
.footer address{font-style:normal;line-height:1.7}
.footer address a{min-height:0}
.disclosure{border-top:1px solid rgba(255,255,255,.14);padding:24px 0;font-size:13.5px;line-height:1.7;color:rgba(255,255,255,.78)}
.disclosure p{margin:0 0 10px}
.copyright{border-top:1px solid rgba(255,255,255,.14);padding:18px 0 28px;font-size:13.5px;color:rgba(255,255,255,.7)}
.to-top{position:fixed;right:calc(18px + env(safe-area-inset-right,0px));bottom:calc(18px + env(safe-area-inset-bottom,0px));z-index:2147482999;width:48px;height:48px;border-radius:50%;border:0;background:var(--red);color:#fff;box-shadow:0 8px 20px rgba(15,31,77,.25);cursor:pointer;display:flex;align-items:center;justify-content:center;opacity:0;visibility:hidden;transition:opacity .2s,visibility .2s}
.to-top.show{opacity:1;visibility:visible}
.cols-5 .card-title{font-size:18px}
@media (max-width:1180px){
 .article .cols-3 .card-body{padding:14px 14px 16px}
 .article .cols-3 .card-title{font-size:16.5px}
 .article .cols-3 .card-text{font-size:14px}
 .term-card{padding:16px 10px}
 .term-card .pay{font-size:23px}
}
@media (max-width:1100px){
 .cols-5{grid-template-columns:minmax(0,1fr)}
 .cols-5 .card{flex-direction:row}
 .cols-5 .card-img{flex:0 0 38%;aspect-ratio:auto}
 .footer-grid{grid-template-columns:minmax(0,1fr)}
}
@media (max-width:1020px){
 .layout{grid-template-columns:minmax(0,1fr);gap:40px}
 .sidebar .box-x{display:none}
 .side-box.sticky{position:static}
 .cols-4{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:760px){
 .band{padding:44px 0}
 .cols-2,.cols-3,.cols-4{grid-template-columns:minmax(0,1fr)}
 .cols-5 .card{flex-direction:column}
 .cols-5 .card-img{flex:none;aspect-ratio:16/10}
 .form-section{padding:0 12px;margin-top:28px}
 .form-card{padding:24px 14px 18px;border-radius:12px}
 .toc ol{columns:1}
 .article p,.article p.answer-lead,.article li,.card-text,.hero-lead{text-wrap:pretty}
 .calc-grid,.calc-out,.nap{grid-template-columns:minmax(0,1fr)}
 .sitemap-list{columns:1}
 .f-links{grid-template-columns:repeat(2,minmax(0,1fr))}
 .footer-photo{height:140px}
 .layout{padding-top:32px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
table.data.lenders{font-size:14px}
table.data.lenders th,table.data.lenders td{padding:9px 8px}
table.data.lenders thead th{white-space:normal}