@font-face{font-family:Outfit;src:url(fonts/outfit-bold.woff) format("woff");font-weight:700;font-display:swap}@font-face{font-family:Outfit;src:url(fonts/outfit.woff) format("woff");font-weight:400;font-display:swap}@font-face{font-family:Figtree;src:url(fonts/figtree-var.woff2) format("woff2");font-weight:300 900;font-display:swap}
:root{--ink:#0F2E3D;--grn:#12A37F;--grnd:#0C7F63;--mint:#E7F6F1;--txt:#44545E;--line:#E3E9EC;--soft:#F6F8F9;--red:#B3261E}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font:17px/1.6 Figtree,system-ui,sans-serif;color:var(--txt);background:#fff;-webkit-font-smoothing:antialiased}img,svg{max-width:100%}img{display:block;height:auto}
a{color:var(--grnd)}a:hover{color:var(--ink)}.wrap{max-width:1220px;margin:0 auto;padding:0 24px}.narrow{max-width:760px}
h1,h2,h3,h4{font-family:Outfit,system-ui,sans-serif;font-weight:700;color:var(--ink);line-height:1.08;margin:0 0 .45em;letter-spacing:-.02em}h1{font-size:clamp(38px,5vw,64px)}h2{font-size:clamp(30px,3.6vw,46px)}h3{font-size:24px}h1 em,h2 em{font-style:normal;color:var(--grn)}p{margin:0 0 1em}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:10px 14px;border-radius:8px}
:focus-visible{outline:3px solid var(--grn);outline-offset:2px}
/* header */
.top{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:5}.top .wrap{display:flex;align-items:center;gap:16px;min-height:80px}.top .logo img{height:44px;width:auto}
.top nav{display:flex;align-items:center;margin-left:auto}.top nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:15px;padding:8px 11px;border-radius:8px}.top nav a:hover,.top nav a[aria-current]{background:var(--mint)}
.btn{display:inline-block;padding:14px 24px;border-radius:999px;font-weight:800;text-decoration:none;font-size:16px;border:0;cursor:pointer;font-family:inherit;line-height:1.2;text-align:center}.btn.g,.btn:not(.i):not(.o):not(.ghost){background:var(--grn);color:#fff}.btn.g:hover{background:var(--grnd);color:#fff}.btn.i{background:var(--ink);color:#fff}.btn.o,.btn.ghost{background:#fff;border:1.5px solid var(--line);color:var(--ink)}.btn.o:hover,.btn.ghost:hover{border-color:var(--ink)}
.mnav{display:none;margin-left:auto}.mnav summary{list-style:none;cursor:pointer;font-weight:800;color:var(--ink);border:1.5px solid var(--line);border-radius:999px;padding:9px 16px}.mnav summary::-webkit-details-marker{display:none}.mnav[open] summary{background:var(--ink);color:#fff;border-color:var(--ink)}
.mnav div{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 20px 30px rgba(15,46,61,.12);padding:8px 16px 18px}.mnav div a{display:block;padding:13px 8px;border-bottom:1px solid var(--line);color:var(--ink);font-weight:700;text-decoration:none}
/* sections */
section.pad{padding:84px 0}.soft{background:var(--soft)}.eyebrow{font-size:13px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--grnd);margin:0 0 10px}.lead{font-size:20px}
.hero{background:linear-gradient(180deg,#fff,var(--mint))}.hero .wrap{display:grid;grid-template-columns:1fr 500px;gap:56px;align-items:center;padding-top:60px;padding-bottom:80px}.hero h1{font-size:clamp(44px,5.6vw,76px)}.hero .lead{max-width:540px}
.trust{display:flex;gap:14px 26px;flex-wrap:wrap;align-items:center;font-weight:700;color:var(--ink);font-size:15px;margin-top:22px}.trust span{display:flex;gap:8px;align-items:center}.trust i{width:30px;height:30px;border-radius:50%;background:var(--mint);display:grid;place-items:center;color:var(--grnd);font-style:normal;font-weight:800}
.chk{background:#FBFAF6;border-radius:28px;padding:32px;box-shadow:0 30px 70px rgba(15,46,61,.16)}.pill{display:inline-flex;gap:8px;align-items:center;background:var(--mint);color:var(--grnd);font-weight:800;font-size:14px;border-radius:99px;padding:7px 14px;margin-bottom:14px}.pill::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--grn)}
.chk h2{font-size:32px}.opt{display:flex;align-items:center;gap:14px;background:#fff;border:1.5px solid var(--line);border-radius:18px;padding:15px 18px;margin-bottom:10px;font-weight:700;color:var(--ink);font-size:17px;text-decoration:none;line-height:1.3}.opt:hover{border-color:var(--grn);color:var(--ink)}.opt .ic{width:46px;height:46px;border-radius:14px;background:var(--mint);display:grid;place-items:center;flex:0 0 46px}.opt small{display:block;font-weight:500;color:var(--txt);font-size:14px;margin-top:2px}.opt::after{content:"→";margin-left:auto;color:var(--grn);font-size:20px}
.ticks{display:flex;gap:6px 18px;flex-wrap:wrap;font-size:14px;font-weight:600;margin-top:14px}.ticks span::before{content:"✓ ";color:var(--grn);font-weight:900}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:s;margin-top:26px}.steps>div{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px}.steps>div::before{content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--ink);color:#fff;font:700 18px Outfit,sans-serif;margin-bottom:14px}.steps h3{font-size:21px}.steps p{margin:0;font-size:15.5px}
.ctype{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:26px}.ct{border-radius:24px;padding:30px;background:#fff;border:1px solid var(--line);display:flex;flex-direction:column}.ct .ic{width:58px;height:58px;border-radius:18px;background:var(--mint);display:grid;place-items:center;margin-bottom:16px}.ct h3{font-size:27px}.ct .btn{margin-top:auto;align-self:flex-start}
.chips{display:flex;flex-wrap:wrap;gap:6px;margin:4px 0 18px}.chips span,.chips a{background:#F1F4F5;border-radius:99px;padding:5px 11px;font-size:13.5px;font-weight:700;color:var(--ink);text-decoration:none}.chips a:hover{background:var(--mint)}
.free{display:grid;grid-template-columns:260px 1fr;gap:26px;align-items:center;background:var(--mint);border-radius:24px;padding:30px 34px}.free b.big{font:700 24px/1.15 Outfit,sans-serif;color:var(--ink)}.free p:last-child{margin:0}
.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:26px}.guides a{display:block;text-decoration:none;color:var(--txt);border-top:3px solid var(--grn);padding-top:16px}.guides a:hover h3{color:var(--grnd)}.guides h3{font-size:22px}
/* inner pages */
.phero{background:linear-gradient(180deg,#fff,var(--mint));padding:54px 0 46px}.phero .lead{max-width:760px}.crumbs{font-size:14px;margin:0 0 14px}.crumbs a{color:var(--txt)}
.cols{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;padding:56px 0 80px;align-items:start}
.prose h2{font-size:30px;margin-top:1.4em}.prose h3{font-size:22px;margin-top:1.2em}.prose ul,.prose ol{padding-left:22px}.prose li{margin-bottom:.45em}.prose>:first-child{margin-top:0}
.side{position:sticky;top:20px;background:var(--ink);color:#C9D9E0;border-radius:24px;padding:28px}.side h3{color:#fff;font-size:24px}.side .btn{display:block;margin-top:16px}.side ul{list-style:none;padding:0;margin:14px 0 0;font-size:15px}.side li{padding:4px 0}.side li::before{content:"✓ ";color:#5EE0B6;font-weight:900}
.note{background:var(--mint);border-radius:16px;padding:18px 20px;margin:0 0 1.2em}.note.warn{background:#FFF4E5}.note p:last-child{margin:0}
.tbl{width:100%;border-collapse:collapse;margin:0 0 1.2em;font-size:15.5px}.tbl th,.tbl td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}.tbl th{background:var(--soft);color:var(--ink)}
.faq details{border-bottom:1px solid var(--line);padding:16px 0}.faq summary{cursor:pointer;font-weight:800;color:var(--ink);font-size:18px;list-style:none;display:flex;justify-content:space-between;gap:16px}.faq summary::after{content:"+";color:var(--grn);font-size:24px;line-height:1}.faq details[open] summary::after{content:"–"}.faq summary::-webkit-details-marker{display:none}.faq details p{margin:12px 0 0}
.letter{background:#fff;border:1px solid var(--line);border-left:4px solid var(--grn);border-radius:12px;padding:20px 22px;font-size:15.5px;white-space:pre-wrap;font-family:inherit;margin:0 0 1.4em}
.az{columns:3;column-gap:30px;padding:0;list-style:none}.az li{break-inside:avoid;padding:6px 0;border-bottom:1px solid var(--line)}.az a{font-weight:700;text-decoration:none}.az small{color:var(--txt)}
/* forms */
.field{margin:0 0 16px}.field label,.lab{display:block;font-weight:700;color:var(--ink);margin:0 0 6px;font-size:16px}.field small,.hint{color:var(--txt);font-weight:500;font-size:14px}
input[type=text],input[type=email],input[type=tel],input[type=search],select,textarea{width:100%;font:inherit;font-size:17px;padding:13px 14px;border:1.5px solid #C9D3D8;border-radius:12px;background:#fff;color:var(--ink)}textarea{min-height:120px}input:focus,select:focus,textarea:focus{border-color:var(--grn);outline:0;box-shadow:0 0 0 3px rgba(18,163,127,.18)}
.err input,.err select,.err textarea,.err .choices{border-color:var(--red)!important}.emsg{display:none;color:var(--red);font-weight:700;font-size:14.5px;margin-top:6px}.err .emsg{display:block}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}.row3{display:grid;grid-template-columns:1fr 1.4fr 1fr;gap:10px}
/* checker */
.ckwrap{background:linear-gradient(180deg,#fff,var(--mint) 70%);padding:36px 0 80px;min-height:70vh}.ck{max-width:680px;margin:0 auto;background:#FBFAF6;border-radius:28px;padding:34px;box-shadow:0 26px 60px rgba(15,46,61,.14)}
.ck .bar{height:8px;background:#DCE6E9;border-radius:99px;overflow:hidden;margin:0 0 18px}.ck .bar span{display:block;height:100%;width:0;background:var(--grn);border-radius:99px;transition:width .3s}
.ck .stepno{font-size:14px;font-weight:800;color:var(--grnd);margin:0 0 6px}.ck h1,.ck h2{font-size:clamp(26px,3.4vw,34px)}.ck .q{margin:0 0 24px}.ck .q>.lab{font-size:18px;margin-bottom:10px}
.choices{display:grid;gap:9px;border-radius:16px}.choices.two{grid-template-columns:1fr 1fr}
.choice{position:relative;display:flex;align-items:center;gap:12px;background:#fff;border:1.5px solid var(--line);border-radius:14px;padding:14px 16px;cursor:pointer;font-weight:700;color:var(--ink);line-height:1.3}.choice:hover{border-color:#9FB4BD}.choice input{position:absolute;opacity:0;pointer-events:none}
.choice::before{content:"";width:22px;height:22px;flex:0 0 22px;border:2px solid #B9C7CD;border-radius:50%;background:#fff}.choice.multi::before{border-radius:6px}.choice:has(input:checked){border-color:var(--grn);background:#F3FBF8;box-shadow:0 0 0 3px rgba(18,163,127,.14)}.choice:has(input:checked)::before{background:var(--grn) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12.5l4 4 8-9' fill='none' stroke='%23fff' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat;border-color:var(--grn)}.choice:has(input:focus-visible){outline:3px solid var(--grn);outline-offset:2px}
.choice .ic{width:42px;height:42px;border-radius:12px;background:var(--mint);display:grid;place-items:center;flex:0 0 42px}.choice small{display:block;font-weight:500;color:var(--txt);font-size:14px}
.lsearch{margin:0 0 10px}.lenders{display:flex;flex-wrap:wrap;gap:8px;max-height:330px;overflow:auto;padding:4px 2px}.lenders label{position:relative;display:inline-flex;align-items:center;gap:7px;background:#fff;border:1.5px solid var(--line);border-radius:99px;padding:8px 14px;cursor:pointer;font-weight:700;color:var(--ink);font-size:15px}.lenders input{position:absolute;opacity:0}.lenders label:has(input:checked){background:var(--grn);border-color:var(--grn);color:#fff}.lenders label:has(input:checked)::before{content:"✓"}.lenders label:has(input:focus-visible){outline:3px solid var(--grn);outline-offset:2px}
.picked{font-size:14.5px;font-weight:700;color:var(--grnd);margin:8px 0 0;min-height:1.4em}
.prev{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;margin:0 0 14px}.prev h3{font-size:19px}
.nav2{display:flex;gap:12px;align-items:center;margin-top:24px}.nav2 .btn.next{flex:1;padding:17px;font-size:18px}.back{background:none;border:0;font:inherit;font-weight:700;color:var(--txt);cursor:pointer;padding:10px 4px;text-decoration:underline}
.consent{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1.5px solid var(--line);border-radius:14px;padding:16px;cursor:pointer;font-size:15.5px;line-height:1.5}.consent input{width:22px;height:22px;flex:0 0 22px;margin:2px 0 0;accent-color:var(--grn)}
.sum{background:#fff;border:1px solid var(--line);border-radius:16px;padding:6px 18px;margin:0 0 16px}.sum div{display:grid;grid-template-columns:150px 1fr;gap:10px;padding:10px 0;border-bottom:1px solid var(--line);font-size:15px}.sum div:last-child{border:0}.sum dt{color:var(--txt)}.sum dd{margin:0;color:var(--ink);font-weight:600}
.done{text-align:center}.done .tick{width:74px;height:74px;border-radius:50%;background:var(--grn);display:grid;place-items:center;margin:0 auto 18px}.done .ref{display:inline-block;background:var(--mint);color:var(--grnd);font-weight:800;border-radius:99px;padding:8px 16px;margin:0 0 18px}.done .next{text-align:left}
.ck [hidden]{display:none!important}.formerr{background:#FDE2DF;color:#8C1D13;border-radius:12px;padding:12px 14px;font-weight:700;margin:0 0 14px}
/* small server pages */
.app-main{padding:50px 0 90px;background:linear-gradient(180deg,#fff,var(--mint))}.card{background:#fff;border-radius:24px;padding:34px;box-shadow:0 20px 50px rgba(15,46,61,.1)}.card .lede{font-size:19px}.muted{color:#6A7A83}.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}.card details.reject{margin-top:22px}.card details.reject summary{cursor:pointer;font-weight:800;color:var(--ink)}.card form.field label{margin-top:12px}
/* footer */
footer{background:var(--ink);color:#A9BCC6;padding:56px 0 30px;font-size:14.5px}footer .wrap{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:30px}footer b{color:#fff;display:block;margin-bottom:8px}footer a{color:#D3E1E7;text-decoration:none;display:block;padding:3px 0}footer a:hover{color:#fff}footer .reg{grid-column:1/-1;border-top:1px solid #23485A;padding-top:20px;font-size:13px;line-height:1.6}footer .flogo img{height:40px;width:auto;margin-bottom:12px}
.mbar{display:none}
@media(max-width:1060px){.top nav{display:none}.mnav{display:block}.hero .wrap{grid-template-columns:1fr;gap:30px;padding-top:30px}.cols{grid-template-columns:1fr;gap:30px}.side{position:static}}
@media(max-width:860px){.steps,.ctype,.guides{grid-template-columns:1fr}.steps{grid-template-columns:1fr 1fr}section.pad{padding:58px 0}.top .wrap{min-height:66px}.top .logo img{height:36px}footer .wrap{grid-template-columns:1fr 1fr}.free{grid-template-columns:1fr}.chk,.ck,.card{padding:22px}.az{columns:1}.row2{grid-template-columns:1fr}.choices.two{grid-template-columns:1fr}.sum div{grid-template-columns:1fr;gap:2px}
 .mbar{display:block;position:fixed;left:0;right:0;bottom:0;z-index:20;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:#fff;box-shadow:0 -2px 14px rgba(0,0,0,.12)}.mbar a{display:block;text-align:center;padding:15px;border-radius:999px;font-weight:800;text-decoration:none;background:var(--grn);color:#fff;font-size:17px}body.has-mbar{padding-bottom:80px}.dt{display:none!important}}
@media(max-width:520px){.steps{grid-template-columns:1fr}footer .wrap{grid-template-columns:1fr}.wrap{padding:0 16px}h1{font-size:36px}.hero h1{font-size:42px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important}}
.pt0{padding-top:0!important}.mt0{margin-top:0!important}.mt12{margin-top:12px}.mt20{margin-top:20px}.center{text-align:center}
.drop{display:flex;flex-direction:column;gap:6px;border:2px dashed #9FC9BC;background:#F3FBF8;border-radius:16px;padding:22px;cursor:pointer;margin:18px 0 6px;color:var(--txt)}.drop b{color:var(--ink);font-size:18px}.drop input{margin-top:8px;font:inherit;font-size:15px}.drop:hover{border-color:var(--grn)}
.where{padding-left:20px}.where li{margin-bottom:.6em}.done-files{list-style:none;padding:0}.done-files li{padding:6px 0;border-bottom:1px solid var(--line);color:var(--ink)}
.card h2{margin-top:30px}