@import "https://fonts.googleapis.com/css2?family=IBM+Plex+Mono:wght@500;600&family=Inter:wght@400;500;600;700&family=Manrope:wght@600;700;800&display=swap";:root{--paper:#f5f3ec;--white:#fffefa;--forest:#123d32;--forest-dark:#0b2a22;--ink:#13251f;--muted:#5e6c66;--mint:#bfe4d0;--mint-light:#e8f3ed;--coral:#ed765e;--gold:#e2b94f;--border:#13251f29;--shadow:0 24px 64px #0b2a221c}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--paper);color:var(--ink);margin:0;font-family:Inter,Arial,sans-serif;line-height:1.6}button,input,select{font:inherit;color:inherit}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}h1,h2,h3,p{margin-top:0}.app-shell{min-height:100vh}.container{width:min(1180px,100% - 48px);margin:auto}.narrow{max-width:880px}.site-header{z-index:50;border-bottom:1px solid var(--border);-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);background:#f5f3ecf0;position:sticky;top:0}.header-inner{justify-content:space-between;align-items:center;height:78px;display:flex}.brand{align-items:center;gap:11px;font:800 20px Manrope;display:inline-flex}.brand-mark{background:var(--forest);color:#fff;border-radius:5px;place-items:center;width:36px;height:36px;display:grid;position:relative;overflow:hidden}.brand-mark b{letter-spacing:-.12em;font:800 20px Manrope}.desktop-nav{align-items:center;gap:28px;display:flex}.desktop-nav a{font-size:14px;font-weight:650;position:relative}.desktop-nav a:after{content:"";background:var(--coral);height:2px;transition:all .2s;position:absolute;bottom:-9px;left:0;right:100%}.desktop-nav a:hover:after,.desktop-nav a.active:after{right:0}.header-actions{align-items:center;gap:12px;display:flex}.language{font:600 12px IBM Plex Mono}.menu-toggle{border:1px solid var(--border);background:0 0;border-radius:6px;width:44px;height:44px;display:none}.mobile-nav{display:none}.btn{cursor:pointer;border:1px solid #0000;border-radius:12px;justify-content:center;align-items:center;gap:10px;min-height:52px;padding:0 22px;font-weight:750;transition:transform .2s,background .2s,color .2s;display:inline-flex}.btn:hover{transform:translateY(-2px)}.btn-primary{background:var(--forest);color:#fff}.btn-primary:hover{background:var(--forest-dark)}.btn-secondary{border-color:var(--forest);color:var(--forest);background:0 0}.btn-ghost{border-color:var(--border);background:0 0}.btn-small{min-height:46px;padding:0 18px;font-size:14px}.btn-wide{width:100%}.eyebrow{letter-spacing:.08em;text-transform:uppercase;color:var(--forest);align-items:center;gap:10px;font:600 11px IBM Plex Mono;display:inline-flex}.home-hero{border-bottom:1px solid var(--border);padding:72px 0 32px}.hero-copy-row{grid-template-columns:2fr 1fr;align-items:end;gap:60px;margin-bottom:42px;display:grid}.hero-copy-row h1,.page-hero h1{letter-spacing:-.05em;margin:24px 0 0;font:800 clamp(48px,6vw,76px)/1.01 Manrope}.hero-copy-row h1 em{color:var(--forest);font-style:normal}.hero-copy-row>p{color:var(--muted);margin-bottom:8px;font-size:18px;line-height:1.7}.hero-product-grid{grid-template-columns:1.15fr .85fr;align-items:stretch;gap:20px;display:grid}.hero-photo-wrap{background:var(--mint);border-radius:18px;min-height:610px;position:relative;overflow:hidden}.hero-photo-wrap>img{object-fit:cover;filter:saturate(.8)contrast(.95);width:100%;height:100%}.photo-caption{-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);background:#fffefaed;border:1px solid #fff9;border-radius:10px;justify-content:space-between;align-items:center;gap:15px;padding:18px 20px;display:flex;position:absolute;bottom:18px;left:18px;right:18px}.photo-caption span{font-size:14px}.photo-caption strong{text-transform:uppercase;white-space:nowrap;font:600 11px IBM Plex Mono}.trust-row{grid-template-columns:repeat(3,1fr);gap:16px;margin-top:24px;display:grid}.trust-row span{align-items:center;gap:10px;font-size:13px;font-weight:650;display:flex}.trust-row svg{width:18px;color:var(--forest)}.calculator-card{background:var(--white);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:18px;padding:32px}.calculator-title{border-bottom:1px solid var(--border);justify-content:space-between;margin-bottom:26px;padding-bottom:22px;display:flex}.calculator-title h2{letter-spacing:-.03em;margin:6px 0 0;font:800 28px Manrope}.icon-tile{background:var(--mint-light);width:44px;height:44px;color:var(--forest);border-radius:5px;place-items:center;display:grid}.range-head{justify-content:space-between;align-items:end;margin-bottom:15px;display:flex}.range-head label,.field-grid label,.application-form>label,.form-grid label{font-size:14px;font-weight:700}.range-head output{color:var(--forest);font-variant-numeric:tabular-nums;font:800 30px Manrope}.range{--progress:30%;appearance:none;background:linear-gradient(90deg,var(--forest) 0 var(--progress),var(--mint) var(--progress) 100%);cursor:pointer;border-radius:3px;width:100%;height:8px}.range::-webkit-slider-thumb{appearance:none;border:4px solid var(--white);background:var(--forest);width:20px;height:20px;box-shadow:0 0 0 1px var(--forest);border-radius:5px}.range-limits{color:var(--muted);justify-content:space-between;margin-top:8px;font:500 11px IBM Plex Mono;display:flex}.field-grid,.form-grid{grid-template-columns:1fr 1fr;gap:14px;margin:24px 0;display:grid}.field-grid label,.application-form label,.form-grid label{flex-direction:column;gap:9px;display:flex}.field-grid select,.application-form select,.application-form input:not([type=range]):not([type=checkbox]),.newsletter input{border:1px solid var(--border);background:var(--white);border-radius:6px;outline:none;width:100%;height:54px;padding:0 14px}.field-grid select:focus,.application-form select:focus,.application-form input:focus,.newsletter input:focus{border-color:var(--forest);box-shadow:0 0 0 3px #123d3214}.result-panel{background:var(--mint-light);border:1px solid #123d321f;border-radius:10px;grid-template-columns:1.25fr 1fr;margin:0 0 18px;padding:20px;display:grid}.result-panel>div>span{color:var(--muted);font-size:12px;display:block}.result-panel strong{color:var(--forest);font-variant-numeric:tabular-nums;font:800 38px Manrope}.result-panel strong small{color:var(--muted);margin-left:4px;font:600 12px Inter}.result-panel dl{border-left:1px solid var(--border);margin:0;padding-left:20px}.result-panel dl div{justify-content:space-between;gap:10px;margin:3px 0 10px;font-size:12px;display:flex}.result-panel dt{color:var(--muted)}.result-panel dd{margin:0;font-weight:700}.microcopy{color:var(--muted);align-items:flex-start;gap:8px;margin:14px 0 0;font-size:11px;line-height:1.45;display:flex}.microcopy svg{flex:none;margin-top:1px}.proof-strip{border-bottom:1px solid var(--border);padding:32px 0}.proof-strip .container{justify-content:space-between;align-items:center;gap:25px;display:flex}.bank-logos{color:var(--muted);align-items:center;gap:38px;display:flex}.bank-logos b{letter-spacing:-.04em;font:700 17px Manrope}.proof-strip small{color:var(--muted);font-size:10px}.section{padding:112px 0}.section-head{grid-template-columns:1.2fr .8fr;align-items:end;gap:80px;margin-bottom:56px;display:grid}.section-head h2,.transparency h2,.faq h2,.calculator-layout aside h2,.about-story h2,.newsletter h2,.legal h2{letter-spacing:-.045em;margin:18px 0 0;font:800 clamp(38px,4.8vw,60px)/1.05 Manrope}.section-head>p{color:var(--muted);max-width:480px;margin-bottom:6px;font-size:17px}.steps-grid{border:1px solid var(--border);border-radius:14px;grid-template-columns:repeat(3,1fr);display:grid;overflow:hidden}.steps-grid article{border-right:1px solid var(--border);min-height:300px;padding:34px;position:relative}.steps-grid article:last-child{border:0}.steps-grid article>span:first-child{color:var(--muted);font:600 11px IBM Plex Mono;position:absolute;top:20px;right:24px}.steps-grid svg,.step-icon-spacer{width:34px;height:34px;color:var(--forest);margin:30px 0 48px;display:block}.steps-grid h3,.use-grid h3,.values-grid h3{margin-bottom:10px;font:800 25px Manrope}.steps-grid p,.use-grid p,.values-grid p{color:var(--muted);font-size:14px}.text-link{color:var(--forest);border-bottom:1px solid var(--forest);align-items:center;gap:8px;margin-top:28px;font-weight:750;display:inline-flex}.use-cases{background:var(--forest-dark);color:var(--white)}.use-cases .eyebrow,.use-cases .section-head p{color:var(--mint)}.use-grid{grid-template-columns:1.15fr .85fr .85fr;gap:14px;display:grid}.use-grid article{border-radius:12px;min-height:430px;position:relative;overflow:hidden}.use-grid img{object-fit:cover;filter:saturate(.6)brightness(.72);width:100%;height:100%}.use-grid article div{background:linear-gradient(#0000,#051913f0);padding:28px;position:absolute;bottom:0;left:0;right:0}.use-grid article div>span{color:var(--mint);font:600 11px IBM Plex Mono}.use-grid p{color:var(--mint)}.transparency-grid{grid-template-columns:1fr .85fr;align-items:center;gap:100px;display:grid}.transparency p{color:var(--muted);max-width:540px}.check-list{margin:32px 0;padding:0;list-style:none}.check-list li{border-bottom:1px solid var(--border);align-items:center;gap:12px;padding:11px 0;font-weight:650;display:flex}.check-list svg{color:var(--forest);width:18px}.example-card{border:1px solid var(--border);background:var(--white);border-radius:14px;padding:32px}.example-main{border-bottom:1px solid var(--border);padding:38px 0}.example-main small{color:var(--muted);display:block}.example-main strong{color:var(--forest);font:800 58px Manrope}.example-card dl{margin:16px 0}.example-card dl div{justify-content:space-between;padding:10px 0;display:flex}.example-card dd{font-weight:750}.example-card>p{border-top:1px solid var(--border);padding-top:18px;font-size:11px;line-height:1.5}.testimonial{background:var(--mint);padding:90px 0}.testimonial-grid{grid-template-columns:auto 1fr auto;align-items:center;gap:40px;display:grid}.quote-mark{color:var(--forest);font:800 110px/1 Manrope}blockquote{letter-spacing:-.04em;margin:0;font:700 clamp(28px,3.5vw,46px)/1.25 Manrope}.quote-person{align-items:center;gap:12px;display:flex}.quote-person img{object-fit:cover;border-radius:50%;width:56px;height:56px}.quote-person span{flex-direction:column;display:flex}.quote-person small{color:var(--muted)}.faq-grid{grid-template-columns:.8fr 1.2fr;gap:100px;display:grid}.accordion details{border-bottom:1px solid var(--border)}.accordion summary{cursor:pointer;justify-content:space-between;align-items:center;gap:20px;min-height:74px;font:700 18px Manrope;list-style:none;display:flex}.accordion summary::-webkit-details-marker{display:none}.accordion details[open] summary svg{transform:rotate(180deg)}.accordion summary svg{transition:all .2s}.accordion details p{color:var(--muted);padding:0 40px 24px 0;font-size:14px}.final-cta{background:var(--mint);padding:76px 0}.final-cta .container{justify-content:space-between;align-items:center;gap:50px;display:flex}.final-cta h2{letter-spacing:-.045em;margin:15px 0 0;font:800 clamp(38px,4.5vw,58px)/1.08 Manrope}.footer{background:var(--forest-dark);color:var(--white);padding:76px 0 28px}.brand-light .brand-mark{background:var(--white);color:var(--forest)}.footer-grid{grid-template-columns:2fr repeat(3,1fr);gap:55px;padding-bottom:58px;display:grid}.footer-grid>div:not(.footer-intro){flex-direction:column;gap:10px;font-size:14px;display:flex}.footer-label{color:var(--mint);text-transform:uppercase;letter-spacing:.08em;margin-bottom:10px;font:600 11px IBM Plex Mono}.footer-intro p{max-width:380px;color:var(--mint);margin:22px 0;font-size:14px}.secure-line{align-items:center;gap:8px;font-size:12px;display:flex}.footer-bottom{color:var(--mint);border-top:1px solid #ffffff29;grid-template-columns:1fr auto;gap:60px;padding-top:26px;font-size:11px;display:grid}.footer-bottom p{max-width:780px}.footer-bottom span{text-align:right}.page-hero{border-bottom:1px solid var(--border);padding:90px 0 80px}.page-hero h1{max-width:950px}.page-hero p{max-width:720px;color:var(--muted);margin:28px 0 0;font-size:19px}.calculator-layout{grid-template-columns:1.15fr .85fr;align-items:center;gap:80px;display:grid}.calculator-layout aside h2{font-size:48px}.benefit-list{margin-top:35px;padding:0;list-style:none}.benefit-list li{border-bottom:1px solid var(--border);gap:18px;padding:22px 0;display:flex}.benefit-list li>svg{color:var(--forest)}.benefit-list li div{flex-direction:column;display:flex}.benefit-list li span{color:var(--muted);font-size:14px}.soft-section{background:var(--mint-light)}.editorial-grid,.values-grid{background:var(--border);border:1px solid var(--border);border-radius:12px;grid-template-columns:repeat(3,1fr);gap:1px;margin-top:46px;display:grid;overflow:hidden}.editorial-grid article,.values-grid article{background:var(--mint-light);padding:32px}.editorial-grid b{color:var(--coral);font:600 11px IBM Plex Mono}.editorial-grid h3{margin-top:40px;font:800 23px Manrope}.editorial-grid p{color:var(--muted);font-size:14px}.timeline{max-width:900px}.timeline article{border-bottom:1px solid var(--border);grid-template-columns:60px 70px 1fr;align-items:start;gap:25px;padding:45px 0;display:grid}.timeline-number{color:var(--coral);font:600 12px IBM Plex Mono}.timeline-icon{background:var(--mint-light);width:54px;height:54px;color:var(--forest);border-radius:8px;place-items:center;display:grid}.timeline h2{margin:0 0 8px;font:800 30px Manrope}.timeline p{color:var(--muted)}.article-grid{grid-template-columns:1fr 1fr;gap:16px;display:grid}.article-grid article{border:1px solid var(--border);background:var(--white);border-radius:12px;min-height:330px;padding:30px}.article-grid article.featured{grid-column:1/-1;grid-template-columns:1fr 1fr;padding:0;display:grid;overflow:hidden}.article-grid .featured img{object-fit:cover;width:100%;height:100%;min-height:440px}.article-grid article>div{padding:20px}.article-grid h2{margin:20px 0 12px;font:800 28px/1.2 Manrope}.article-grid p{color:var(--muted)}.article-icon{background:var(--mint-light);width:48px;height:48px;color:var(--forest);border-radius:8px;place-items:center;margin-bottom:28px;display:grid}.newsletter{background:var(--mint);padding:80px 0}.newsletter h2{font-size:46px}.newsletter form{gap:10px;max-width:620px;display:flex}.newsletter small{color:var(--muted);margin-top:12px;display:block}.about-story{grid-template-columns:1fr 1fr;align-items:center;gap:80px;display:grid}.about-story img{object-fit:cover;filter:saturate(.75);border-radius:14px;width:100%;height:580px}.about-story p{color:var(--muted);font-size:17px}.values-grid article{background:var(--mint-light)}.values-grid svg{color:var(--forest);width:32px;height:32px;margin-bottom:42px}.legal h2{margin-top:45px;font-size:28px}.legal p,.legal li{color:var(--muted)}.legal li{margin:8px 0}.legal a{color:var(--forest);text-underline-offset:3px;font-weight:700;text-decoration:underline}.application-page{background:var(--white);z-index:100;min-height:100vh;margin-bottom:-1px;position:relative}.application-top{border-bottom:1px solid var(--border);justify-content:space-between;align-items:center;height:78px;padding:0 4vw;display:flex}.application-top>span{color:var(--muted);align-items:center;gap:8px;font-size:12px;display:flex}.application-shell{grid-template-columns:minmax(320px,.65fr) 1.35fr;min-height:calc(100vh - 78px);display:grid}.application-aside{background:var(--forest-dark);color:#fff;padding:64px clamp(30px,5vw,80px)}.application-aside .eyebrow{color:var(--mint)}.application-aside h2{letter-spacing:-.04em;margin:20px 0 50px;font:800 40px/1.1 Manrope}.application-aside ol{margin:0;padding:0;list-style:none}.application-aside li{color:#ffffff8c;align-items:center;gap:14px;padding:12px 0;font-weight:650;display:flex}.application-aside li span{border:1px solid #ffffff40;border-radius:6px;place-items:center;width:32px;height:32px;font:600 11px IBM Plex Mono;display:grid}.application-aside li.active{color:#fff}.application-aside li.active span{background:var(--coral);border-color:var(--coral)}.application-aside li.done{color:var(--mint)}.aside-trust{color:var(--mint);border-top:1px solid #ffffff26;gap:12px;margin-top:70px;padding-top:25px;display:flex}.aside-trust p{font-size:12px}.aside-trust strong{color:#fff;margin-bottom:4px;display:block}.application-form{width:min(670px,100% - 48px);margin:0 auto;padding:70px 0}.application-form h1{letter-spacing:-.045em;margin:18px 0 12px;font:800 clamp(38px,4vw,54px)/1.08 Manrope}.form-lead{color:var(--muted);margin-bottom:36px}.application-form>label,.application-form>.form-grid{margin-top:20px}.amount-input{position:relative}.amount-input span{font-weight:700;position:absolute;top:50%;right:16px;transform:translateY(-50%)}.amount-input input{padding-right:45px!important}.application-form>.range{margin:22px 0 8px}.inline-rate{background:var(--mint-light);border-radius:8px;justify-content:space-between;align-items:center;margin-top:24px;padding:18px 20px;display:flex}.inline-rate span{font-size:13px}.inline-rate strong{color:var(--forest);font:800 24px Manrope}.inline-rate small{color:var(--muted);font:500 11px Inter}.form-actions{border-top:1px solid var(--border);justify-content:space-between;gap:20px;margin-top:40px;padding-top:25px;display:flex}.form-error{color:#9c382b;background:#fce9e6;border-radius:6px;padding:12px;font-size:13px}.review-card{border:1px solid var(--border);border-radius:10px;overflow:hidden}.review-card section{border-bottom:1px solid var(--border);flex-direction:column;padding:20px;display:flex}.review-card section:last-child{border:0}.review-card span{text-transform:uppercase;color:var(--muted);margin-bottom:6px;font:600 10px IBM Plex Mono}.review-card small{color:var(--muted)}.consent{align-items:flex-start;flex-direction:row!important;gap:12px!important;margin-top:25px!important;font-weight:500!important;display:flex!important}.consent input{width:20px;height:20px;accent-color:var(--forest)}.mobile-progress{display:none}.application-success{place-items:center;min-height:80vh;padding:70px 24px;display:grid}.success-card{text-align:center;background:var(--white);border:1px solid var(--border);max-width:720px;box-shadow:var(--shadow);border-radius:16px;padding:55px}.success-icon{background:var(--mint);width:70px;height:70px;color:var(--forest);border-radius:50%;place-items:center;margin:0 auto 25px;display:grid}.success-icon svg{width:34px;height:34px}.success-card h1{margin:15px 0;font:800 48px Manrope}.success-card>p{color:var(--muted)}.success-summary{border:1px solid var(--border);border-radius:8px;grid-template-columns:1fr 1fr;margin:30px 0;display:grid}.success-summary span{flex-direction:column;padding:18px;font-size:12px;display:flex}.success-summary span+span{border-left:1px solid var(--border)}.success-summary strong{color:var(--forest);font:800 18px Manrope}.footer-link-button{color:inherit;text-align:left;font:inherit;cursor:pointer;background:0 0;border:0;padding:0}.footer-link-button:hover{color:var(--mint)}.footer-pending{color:#bfe4d0a6}.consent-banner{z-index:200;background:var(--forest-dark);color:var(--white);border:1px solid #ffffff29;border-radius:16px;grid-template-columns:1fr auto;align-items:center;gap:36px;padding:24px 26px;display:grid;position:fixed;bottom:24px;left:24px;right:24px;box-shadow:0 28px 90px #04140f52}.consent-banner-copy{grid-template-columns:auto 1fr;align-items:start;gap:18px;display:grid}.consent-icon{background:var(--mint);width:44px;height:44px;color:var(--forest);border-radius:8px;flex:none;place-items:center;display:grid}.consent-banner .eyebrow{color:var(--mint)}.consent-banner h2,.consent-settings h2{letter-spacing:-.025em;margin:6px 0;font:800 24px/1.2 Manrope}.consent-banner p{color:#ffffffb8;max-width:700px;margin:0;font-size:13px}.consent-banner p a{color:var(--white);text-underline-offset:3px;font-weight:700;text-decoration:underline}.consent-banner-actions{gap:10px;display:flex}.consent-banner .btn{white-space:nowrap;min-height:48px}.consent-banner .btn-ghost{color:var(--white);border-color:#ffffff40}.consent-banner .btn-secondary{color:var(--white);border-color:var(--mint)}.consent-banner .btn-primary{background:var(--mint);color:var(--forest-dark)}.consent-backdrop{z-index:210;-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);background:#04140f9e;place-items:center;padding:24px;display:grid;position:fixed;inset:0}.consent-settings{border:1px solid var(--border);background:var(--white);width:min(650px,100%);max-height:calc(100vh - 48px);box-shadow:var(--shadow);border-radius:16px;padding:34px;position:relative;overflow:auto}.consent-settings>p{color:var(--muted)}.consent-settings .consent-icon{margin-bottom:18px}.consent-close{border:1px solid var(--border);cursor:pointer;background:0 0;border-radius:7px;place-items:center;width:42px;height:42px;display:grid;position:absolute;top:18px;right:18px}.consent-options{border:1px solid var(--border);border-radius:10px;margin-top:28px;overflow:hidden}.consent-options>div,.consent-options>label{justify-content:space-between;align-items:center;gap:20px;padding:20px;display:flex}.consent-options>label{cursor:pointer;border-top:1px solid var(--border);position:relative}.consent-options strong,.consent-options small{display:block}.consent-options small{color:var(--muted);margin-top:4px;font-size:12px}.always-on{color:var(--forest);text-transform:uppercase;white-space:nowrap;align-items:center;gap:7px;font:600 10px IBM Plex Mono;display:flex}.always-on svg{width:16px}.consent-options input{opacity:0;pointer-events:none;position:absolute}.consent-options label>i{background:#c7cfcb;border-radius:20px;flex:none;width:46px;height:25px;transition:all .2s;position:relative}.consent-options label>i:after{content:"";background:#fff;border-radius:50%;width:19px;height:19px;transition:all .2s;position:absolute;top:3px;left:3px;box-shadow:0 2px 5px #00000026}.consent-options input:checked+i{background:var(--forest)}.consent-options input:checked+i:after{transform:translate(21px)}.consent-options input:focus-visible+i{outline-offset:2px;outline:3px solid #123d3233}.consent-modal-actions{justify-content:flex-end;gap:10px;margin-top:24px;display:flex}@media (width<=900px){.container{width:min(100% - 36px,1180px)}.desktop-nav,.header-actions>.language,.header-actions>.btn{display:none}.menu-toggle{place-items:center;display:grid}.mobile-nav{background:var(--paper);border-bottom:1px solid var(--border);flex-direction:column;padding:18px;display:flex;position:absolute;top:78px;left:0;right:0}.mobile-nav>a:not(.btn){border-bottom:1px solid var(--border);justify-content:space-between;padding:15px 4px;font-weight:700;display:flex}.mobile-nav .btn{margin-top:18px}.hero-copy-row,.section-head,.transparency-grid,.faq-grid,.calculator-layout,.about-story{grid-template-columns:1fr;gap:35px}.hero-product-grid{grid-template-columns:1fr}.hero-photo-wrap{min-height:440px}.trust-row{grid-template-columns:1fr}.proof-strip .container{flex-direction:column;align-items:flex-start}.bank-logos{flex-wrap:wrap;gap:22px}.section{padding:80px 0}.steps-grid{grid-template-columns:1fr}.steps-grid article{border-right:0;border-bottom:1px solid var(--border);min-height:auto}.use-grid{grid-template-columns:1fr}.use-grid article{min-height:330px}.testimonial-grid{grid-template-columns:1fr}.quote-mark{height:65px}.final-cta .container{flex-direction:column;align-items:flex-start}.footer-grid{grid-template-columns:1.6fr 1fr 1fr}.footer-grid>div:last-child{grid-column:2}.application-shell{grid-template-columns:1fr}.application-aside{display:none}.mobile-progress{text-transform:uppercase;color:var(--muted);margin-bottom:35px;padding-bottom:14px;font:600 11px IBM Plex Mono;display:block;position:relative}.mobile-progress:after,.mobile-progress i{content:"";border-radius:2px;height:3px;position:absolute;bottom:0;left:0}.mobile-progress:after{background:var(--mint-light);right:0}.mobile-progress i{background:var(--forest);z-index:1}.application-form{padding-top:40px}}@media (width<=620px){.header-inner{height:68px}.mobile-nav{top:68px}.home-hero{padding-top:46px}.hero-copy-row h1,.page-hero h1{font-size:42px}.hero-copy-row{margin-bottom:30px}.hero-copy-row>p{font-size:16px}.calculator-card{border-radius:12px;padding:20px}.calculator-title h2{font-size:23px}.range-head output{font-size:24px}.field-grid,.form-grid,.result-panel{grid-template-columns:1fr}.result-panel{gap:18px}.result-panel dl{border-left:0;border-top:1px solid var(--border);padding:16px 0 0}.hero-photo-wrap{min-height:360px}.photo-caption{flex-direction:column;align-items:flex-start}.bank-logos{gap:17px}.section{padding:68px 0}.section-head{margin-bottom:38px}.section-head h2,.transparency h2,.faq h2{font-size:40px}.steps-grid article{padding:26px}.use-grid article{min-height:300px}.testimonial{padding:65px 0}blockquote{font-size:29px}.example-main strong{font-size:48px}.faq-grid{gap:20px}.footer{padding-top:60px}.footer-grid{grid-template-columns:1fr 1fr;gap:38px}.footer-intro{grid-column:1/-1}.footer-grid>div:last-child{grid-column:auto}.footer-bottom{grid-template-columns:1fr;gap:12px}.footer-bottom span{text-align:left}.page-hero{padding:65px 0 55px}.page-hero p{font-size:16px}.timeline article{grid-template-columns:42px 1fr;gap:14px}.timeline-icon{grid-area:2/1}.timeline article>div:last-child{grid-area:2/2}.article-grid,.article-grid article.featured{grid-template-columns:1fr}.article-grid .featured img{min-height:260px}.newsletter form{flex-direction:column}.about-story img{height:380px}.editorial-grid,.values-grid{grid-template-columns:1fr}.application-top{height:68px;padding:0 18px}.application-top>span{display:none}.application-form{width:calc(100% - 36px);padding:32px 0}.application-form h1{font-size:38px}.form-actions{background:var(--white);border-top:1px solid var(--border);z-index:5;margin-left:-18px;margin-right:-18px;padding:16px 18px;position:sticky;bottom:0}.form-actions .btn{padding:0 14px}.success-card{padding:35px 22px}.success-card h1{font-size:36px}.success-summary{grid-template-columns:1fr}.success-summary span+span{border-left:0;border-top:1px solid var(--border)}}@media (width<=900px){.consent-banner{grid-template-columns:1fr;gap:20px}.consent-banner-actions{justify-content:flex-end}}@media (width<=620px){.consent-banner{border-radius:12px;padding:20px;bottom:10px;left:10px;right:10px}.consent-banner-copy{grid-template-columns:1fr}.consent-banner-copy>.consent-icon{display:none}.consent-banner h2{font-size:21px}.consent-banner-actions{grid-template-columns:1fr 1fr;display:grid}.consent-banner-actions .btn{padding:0 12px;font-size:13px}.consent-banner-actions .btn-primary{grid-area:1/1/auto/-1}.consent-settings{padding:26px 20px}.consent-settings h2{padding-right:35px;font-size:25px}.consent-options>div,.consent-options>label{align-items:flex-start;padding:17px}.always-on{white-space:normal}.consent-modal-actions{grid-template-columns:1fr;display:grid}.consent-modal-actions .btn-primary{grid-row:1}}@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}.home-site-header{background:var(--forest-dark);color:var(--white);-webkit-backdrop-filter:none;backdrop-filter:none;border-bottom-color:#ffffff1f}.home-site-header .brand-mark{background:var(--mint);color:var(--forest-dark)}.home-site-header .desktop-nav a{color:#ffffffbd}.home-site-header .desktop-nav a:hover,.home-site-header .desktop-nav a.active{color:var(--white)}.home-site-header .language{color:var(--mint)}.home-site-header .btn-primary{background:var(--mint);color:var(--forest-dark)}.home-site-header .menu-toggle{color:var(--white);border-color:#ffffff3d}.institutional-hero{background:var(--forest-dark);min-height:700px;color:var(--white);place-items:center;display:grid;position:relative;overflow:hidden}.institutional-hero-image,.institutional-hero-overlay{width:100%;height:100%;position:absolute;inset:0}.institutional-hero-image{object-fit:cover;filter:saturate(.65)}.institutional-hero-overlay{background:linear-gradient(90deg,#051c16e8,#08271ec7 52%,#08271ea8),linear-gradient(#0000 45%,#0419138c)}.institutional-hero-content{z-index:1;text-align:center;flex-direction:column;align-items:center;padding:94px 0 132px;display:flex;position:relative}.license-badge{color:var(--mint);letter-spacing:.06em;text-transform:uppercase;background:#bfe4d014;border:1px solid #bfe4d070;border-radius:999px;align-items:center;gap:8px;padding:8px 12px;font:600 11px IBM Plex Mono;display:inline-flex}.institutional-hero h1{letter-spacing:-.06em;max-width:850px;margin:30px 0 22px;font:800 clamp(62px,7.3vw,102px)/.95 Manrope}.institutional-hero h1 em{color:var(--mint);font-style:normal}.institutional-hero-content>p{color:#ffffffd1;max-width:700px;margin-bottom:30px;font-size:19px}.hero-cta-row{justify-content:center;gap:12px;margin-bottom:20px;display:flex}.btn-accent{background:var(--mint);color:var(--forest-dark);border-color:var(--mint)}.btn-accent:hover{background:#d1efdd}.btn-light-outline{color:var(--white);background:#ffffff0a;border:1px solid #ffffff7a}.btn-light-outline:hover{background:#ffffff1a}.institutional-hero-content>small{color:#ffffff8f;font-size:12px}.conditions-wrap{z-index:2;margin-top:-74px;padding-bottom:38px;position:relative}.conditions-card{border:1px solid var(--border);background:var(--white);box-shadow:var(--shadow);border-radius:16px;grid-template-columns:.85fr 1.15fr;display:grid;overflow:hidden}.conditions-summary,.conditions-example{padding:42px}.conditions-summary{background:var(--mint-light)}.conditions-summary h2{letter-spacing:-.04em;margin:13px 0 26px;font:800 35px/1.1 Manrope}.conditions-summary dl,.conditions-example dl{margin:0}.conditions-summary dl div{border-bottom:1px solid var(--border);padding:13px 0}.conditions-summary dt,.conditions-example dt{color:var(--muted);font-size:12px}.conditions-summary dd,.conditions-example dd{margin:2px 0 0;font-weight:750}.conditions-example>p{margin:19px 0 24px;font-size:18px;line-height:1.65}.conditions-example dl{border-top:1px solid var(--border);border-bottom:1px solid var(--border);grid-template-columns:1fr 1fr;display:grid}.conditions-example dl div{padding:17px 0}.conditions-example dl div+div{border-left:1px solid var(--border);padding-left:24px}.conditions-example>small{color:var(--muted);margin-top:19px;font-size:11px;display:block}.institutional-trust{border-bottom:1px solid var(--border);grid-template-columns:repeat(3,1fr);display:grid}.institutional-trust>span{grid-template-columns:auto 1fr;align-items:center;column-gap:11px;padding:25px 34px;font-weight:750;display:grid}.institutional-trust>span+span{border-left:1px solid var(--border)}.institutional-trust svg{color:var(--forest);grid-row:1/3}.institutional-trust small{color:var(--muted);font-weight:500}.centered-section-head{text-align:center;max-width:760px;margin:0 auto 52px}.centered-section-head h2{letter-spacing:-.05em;margin:16px 0 18px;font:800 clamp(40px,5vw,62px)/1.05 Manrope}.centered-section-head p{color:var(--muted);font-size:17px}.solution-grid{border:1px solid var(--border);border-radius:14px;grid-template-columns:1fr 1fr;display:grid;overflow:hidden}.solution-grid article{background:var(--white);min-height:310px;padding:36px}.solution-grid article:nth-child(odd){border-right:1px solid var(--border)}.solution-grid article:nth-child(-n+2){border-bottom:1px solid var(--border)}.solution-card-top{color:var(--forest);justify-content:space-between;align-items:center;display:flex}.solution-card-top span{color:var(--muted);font:600 11px IBM Plex Mono}.solution-card-top svg{width:29px;height:29px}.solution-grid h3{margin:50px 0 8px;font:800 28px Manrope}.solution-grid p{max-width:440px;color:var(--muted);font-size:14px}.solution-grid a{color:var(--forest);align-items:center;gap:8px;margin-top:22px;font-weight:750;display:inline-flex}.institutional-process{background:var(--forest-dark);color:var(--white)}.institutional-process .eyebrow{color:var(--mint)}.four-step-grid{border-top:1px solid #ffffff2b;border-bottom:1px solid #ffffff2b;grid-template-columns:repeat(4,1fr);display:grid}.four-step-grid article{padding:34px 27px 38px}.four-step-grid article+article{border-left:1px solid #ffffff2b}.four-step-grid>article>span{color:var(--mint);font:600 12px IBM Plex Mono}.four-step-grid h3{margin:32px 0 10px;font:800 23px Manrope}.four-step-grid p{color:#ffffffa3;font-size:14px}.process-action{text-align:center;margin-top:34px}.institutional-process .text-link{color:var(--mint);border-color:var(--mint)}.advice-section{background:var(--mint-light)}.advice-grid{grid-template-columns:1fr 1fr;align-items:center;gap:88px;display:grid}.advice-image{position:relative}.advice-image img{object-fit:cover;filter:saturate(.72);border-radius:14px;width:100%;height:560px}.advice-image span{background:var(--white);border-radius:8px;align-items:center;gap:9px;padding:12px 15px;font-weight:700;display:flex;position:absolute;bottom:22px;left:22px}.advice-copy h2{letter-spacing:-.05em;margin:17px 0 22px;font:800 clamp(40px,4.8vw,60px)/1.05 Manrope}.advice-copy>p{color:var(--muted);font-size:17px}.advice-copy ul{margin:30px 0;padding:0;list-style:none}.advice-copy li{border-bottom:1px solid var(--border);align-items:center;gap:12px;padding:12px 0;font-weight:650;display:flex}.advice-copy li svg{width:18px;color:var(--forest)}.institutional-faq .faq-grid>div:first-child>p{color:var(--muted);margin:30px 0 4px}.contact-inline{color:var(--forest);font:800 24px Manrope}.institutional-final-cta{padding:22px 0 100px}.final-cta-panel{background:url(https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=1800&q=85) 50%/cover;border-radius:16px;place-items:center;min-height:430px;display:grid;position:relative;overflow:hidden}.final-cta-overlay{background:#05221ad6;position:absolute;inset:0}.final-cta-panel>div:last-child{z-index:1;text-align:center;max-width:760px;color:var(--white);padding:70px 30px;position:relative}.final-cta-panel .eyebrow{color:var(--mint)}.final-cta-panel h2{letter-spacing:-.05em;margin:17px 0;font:800 clamp(40px,5.2vw,64px)/1.05 Manrope}.final-cta-panel p{color:#ffffffb8;margin-bottom:28px;font-size:17px}@media (width<=900px){.home-site-header .mobile-nav{background:var(--forest-dark);border-bottom-color:#ffffff24}.home-site-header .mobile-nav>a:not(.btn){color:var(--white);border-bottom-color:#ffffff24}.institutional-hero{min-height:650px}.conditions-card,.advice-grid{grid-template-columns:1fr}.conditions-wrap{margin-top:-50px}.solution-grid,.four-step-grid{grid-template-columns:1fr 1fr}.four-step-grid article:nth-child(3){border-left:0}.four-step-grid article:nth-child(-n+2){border-bottom:1px solid #ffffff2b}.advice-grid{gap:44px}.advice-image img{height:470px}}@media (width<=620px){.institutional-hero{min-height:620px}.institutional-hero-content{padding:75px 0 100px}.institutional-hero h1{font-size:51px}.institutional-hero-content>p{font-size:16px}.hero-cta-row{flex-direction:column;width:100%}.hero-cta-row .btn{width:100%}.conditions-wrap{margin-top:-32px}.conditions-summary,.conditions-example{padding:26px 22px}.conditions-summary h2{font-size:30px}.conditions-example>p{font-size:16px}.conditions-example dl{grid-template-columns:1fr}.conditions-example dl div+div{border-left:0;border-top:1px solid var(--border);padding-left:0}.institutional-trust{grid-template-columns:1fr}.institutional-trust>span{padding:20px 22px}.institutional-trust>span+span{border-left:0;border-top:1px solid var(--border)}.centered-section-head{text-align:left;margin-bottom:34px}.centered-section-head h2{font-size:39px}.solution-grid,.four-step-grid{grid-template-columns:1fr}.solution-grid article{min-height:auto;padding:28px 24px}.solution-grid article:nth-child(odd){border-right:0}.solution-grid article:not(:last-child){border-bottom:1px solid var(--border)}.solution-grid h3{margin-top:32px}.four-step-grid article+article{border-left:0}.four-step-grid article:not(:last-child){border-bottom:1px solid #ffffff2b}.advice-image img{height:360px}.advice-copy h2{font-size:39px}.institutional-final-cta{padding-bottom:68px}.final-cta-panel{border-radius:12px;min-height:450px}.final-cta-panel>div:last-child{padding:55px 22px}.final-cta-panel .btn{width:100%}}