@font-face{font-family:"Bricolage Grotesque";src:url("../assets/fonts/bricolage-grotesque.woff2") format("woff2");font-weight:200 800;font-display:swap}
@font-face{font-family:"Inter";src:url("../assets/fonts/inter.woff2") format("woff2");font-weight:100 900;font-display:swap}

:root{
  --ink-950:#0B0B0B;
  --ink-900:#151515;
  --ink-800:#2A2A2A;
  --brand:#A32024;
  --brand-bright:#D42A2A;
  --brand-soft:#FF8080;
  --brand-dim:#FBECEC;
  --brand-line:#F1C9CB;
  --cool-200:#EAD9DA;
  --cool-100:#F7EBEB;
  --cool-50:#FBF4F4;
  --ground:#FFFFFF;
  --tint:#FBF2F2;
  --brand-deep:#8E1B1F;
  --surface:#FFFFFF;
  --ink:#151515;
  --muted:#5A5557;
  --line:#E2D9DA;
  --signal:#D42A2A;
  --signal-press:#8F181B;
  --danger:#B3261E;
  --radius:14px;
  --radius-sm:9px;
  --shadow-sm:0 1px 2px rgba(11,11,11,.08),0 2px 6px rgba(11,11,11,.05);
  --shadow-md:0 2px 4px rgba(11,11,11,.06),0 12px 28px rgba(11,11,11,.12);
  --shadow-lg:0 4px 8px rgba(11,11,11,.08),0 28px 56px rgba(11,11,11,.24);
  --ease:cubic-bezier(.16,1,.3,1);
  --font-display:"Bricolage Grotesque","Avenir Next",system-ui,sans-serif;
  --font-text:"Inter",system-ui,sans-serif;
  --gutter:clamp(16px,4vw,40px);
  --max:1200px;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;background:var(--ground);color:var(--ink);font:400 1.0625rem/1.6 var(--font-text);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;min-height:100vh;display:flex;flex-direction:column}
main{flex:1}
img,svg{display:block;max-width:100%}
h1,h2,h3,h4{font-family:var(--font-display);font-weight:700;line-height:1.08;letter-spacing:-.02em;margin:0;text-wrap:balance;font-variation-settings:"wdth" 100}
p{margin:0}
a{color:inherit;text-underline-offset:.2em;text-decoration-thickness:1px}
a:hover{text-decoration-thickness:2px}
::selection{background:var(--brand);color:#fff}
:focus-visible{outline:3px solid var(--brand);outline-offset:3px;border-radius:4px}
.hero :focus-visible,.cta-band :focus-visible,.page-hero :focus-visible{outline-color:#fff}
input,select,button,textarea{font:inherit;color:inherit}
::placeholder{color:#6B6566}
.skip{position:absolute;left:12px;top:-60px;background:var(--brand);color:#fff;padding:10px 16px;border-radius:var(--radius-sm);font-weight:700;z-index:100;transition:top .2s var(--ease)}
.skip:focus{top:12px}
.wrap{width:100%;max-width:calc(var(--max) + var(--gutter)*2);margin-inline:auto;padding-inline:var(--gutter)}
.tnum{font-variant-numeric:tabular-nums}
.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* scrollbars */
html{scrollbar-color:var(--brand) var(--cool-100)}
::-webkit-scrollbar{width:12px}::-webkit-scrollbar-track{background:var(--cool-100)}::-webkit-scrollbar-thumb{background:var(--brand);border-radius:8px;border:3px solid var(--cool-100)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;min-height:52px;padding:0 26px;border:0;border-radius:999px;font-weight:700;font-size:1.0625rem;text-decoration:none;cursor:pointer;transition:transform .25s var(--ease),box-shadow .25s var(--ease),background-color .2s;white-space:nowrap}
.btn-signal{background:var(--signal);color:#fff;box-shadow:0 2px 4px rgba(11,11,11,.25),0 8px 16px rgba(11,11,11,.28)}
.btn-signal:hover,.nav a.btn:hover{background:#151515;color:#fff;transform:translateY(-2px);box-shadow:0 3px 6px rgba(11,11,11,.25),0 12px 22px rgba(11,11,11,.3);text-decoration:none}
.btn-signal:active,.nav a.btn:active{background:#000;color:#fff;transform:translateY(0)}
.btn-dark{background:var(--ink-900);color:#fff}
.btn-dark:hover{background:var(--ink-800);transform:translateY(-2px);text-decoration:none}
.btn-ghost{background:transparent;color:inherit;border:1.5px solid currentColor}
.btn-ghost:hover{background:rgba(255,255,255,.1);text-decoration:none}
.btn[disabled]{opacity:.55;cursor:not-allowed;transform:none}
.btn-sm{min-height:42px;padding:0 20px;font-size:.98rem}
.link-arrow{font-weight:700;color:var(--brand);text-decoration:none;display:inline-flex;gap:.35em;align-items:center}
.link-arrow span{transition:transform .25s var(--ease)}
.link-arrow:hover span{transform:translateX(4px)}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.site-header.on-hero{background:var(--ink-900);border-bottom-color:rgba(255,255,255,.12);color:#fff}
.header-row{display:flex;align-items:center;gap:28px;min-height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:var(--font-display);font-weight:800;font-size:1.3rem;letter-spacing:-.02em}
.brand{flex:none}
.brand img{height:40px;width:auto;max-width:none;flex:none;object-fit:contain}
.nav{display:flex;gap:6px;margin-left:auto;align-items:center}
.nav a{padding:10px 14px;border-radius:999px;text-decoration:none;font-weight:600;font-size:1rem}
.nav a:hover{background:rgba(21,21,21,.07)}
.on-hero .nav a:hover{background:rgba(255,255,255,.12)}
.nav a[aria-current="page"]{text-decoration:underline;text-underline-offset:.4em;text-decoration-thickness:2px}
.nav .btn{margin-left:8px}
.menu-btn{display:none;margin-left:auto;width:48px;height:48px;border-radius:12px;border:1.5px solid currentColor;background:transparent;cursor:pointer}
.menu-btn span,.menu-btn span::before,.menu-btn span::after{display:block;width:20px;height:2px;background:currentColor;position:relative;margin:auto;transition:transform .3s var(--ease)}
.menu-btn span::before,.menu-btn span::after{content:"";position:absolute;left:0}
.menu-btn span::before{top:-6px}.menu-btn span::after{top:6px}
.menu-btn[aria-expanded="true"] span{background:transparent}
.menu-btn[aria-expanded="true"] span::before{transform:translateY(6px) rotate(45deg)}
.menu-btn[aria-expanded="true"] span::after{transform:translateY(-6px) rotate(-45deg)}

/* hero */
.hero{background:linear-gradient(135deg,#B3242A 0%,#8E1B1F 100%);color:#fff;position:relative;overflow:hidden;isolation:isolate}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(55% 70% at 88% 25%,rgba(255,255,255,.16),transparent 70%),radial-gradient(45% 60% at 0% 100%,rgba(60,8,10,.45),transparent 70%);z-index:-1}
.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px;align-items:center;padding-block:clamp(24px,4vw,48px) 0}
.hero h1{font-size:clamp(2.4rem,5.4vw,4.2rem);font-weight:800;letter-spacing:-.035em;line-height:1.02}
.hero h1 em{font-style:normal;color:#FFD3D3}
.hero-sub{margin-top:22px;font-size:clamp(1.1rem,1.6vw,1.3rem);line-height:1.5;color:#FBE3E3;max-width:36em}
.assure{display:flex;flex-wrap:wrap;gap:10px 24px;margin:26px 0 0;padding:0;list-style:none;font-weight:600;font-size:.98rem;color:#fff}
.assure li{display:flex;gap:8px;align-items:center}
.assure svg{width:20px;height:20px;color:#fff;flex:none}
.hero-art{align-self:end;position:relative;translate:clamp(24px,5vw,90px) 0;padding-top:70px}
.car-photo{width:112%;margin-left:-8%;height:auto;display:block}
.ticket{position:absolute;top:0;right:10%;width:40%;height:auto;overflow:visible}

/* search panel */
.finder{position:relative;z-index:2;margin-top:clamp(12px,2vw,24px);padding-bottom:clamp(32px,4.5vw,56px)}
.finder-card{background:var(--surface);color:var(--ink);border-radius:20px;box-shadow:var(--shadow-lg);padding:14px 14px 18px}
.tabs{position:relative;display:flex;gap:6px;overflow-x:auto;padding:4px 4px 12px;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab{flex:none;display:flex;align-items:center;gap:8px;min-height:44px;padding:0 18px;border-radius:999px;border:1.5px solid var(--line);background:var(--surface);font-weight:700;cursor:pointer;transition:background-color .2s,border-color .2s,color .2s}
.tab svg{width:20px;height:20px}
.tab:hover{border-color:var(--brand)}
.tab-input{position:absolute;opacity:0;pointer-events:none}
.tab-input:checked + .tab{background:var(--brand);color:#fff;border-color:var(--brand)}
.tab-input:focus-visible + .tab{outline:3px solid var(--brand);outline-offset:2px}
.finder-fields{display:grid;grid-template-columns:repeat(3,minmax(0,1fr)) auto;gap:12px;align-items:end;padding:0 4px}
.field{display:flex;flex-direction:column;gap:6px;min-width:0}
.field label,.field .lbl{font-weight:700;font-size:.9rem;color:var(--muted)}
.control{width:100%;min-height:54px;padding:0 16px;border:1.5px solid var(--line);border-radius:var(--radius-sm);background:var(--surface);font-size:1.05rem;transition:border-color .2s,box-shadow .2s;appearance:none;-webkit-appearance:none}
select.control{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' fill='none' stroke='%23151515' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M1 1.5l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 16px center;padding-right:42px}
.control:hover{border-color:#BDB3B4}
.control:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px rgba(163,32,36,.2)}
.control[aria-invalid="true"]{border-color:var(--danger);box-shadow:0 0 0 4px rgba(179,38,30,.12)}
.err{color:var(--danger);font-size:.88rem;font-weight:600;min-height:0}
.finder-note{margin:14px 6px 0;font-size:.88rem;color:var(--muted)}
.finder-note a{color:var(--brand)}
.amount-wrap{position:relative}
.amount-wrap .cur{position:absolute;left:16px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:700}
.amount-wrap .control{padding-left:30px}

/* sections */
.section{padding-block:clamp(56px,8vw,104px)}
.section.tint{background:var(--tint)}
.section.dark{background:var(--ink-900);color:#fff}
.section-head{max-width:46rem;margin-bottom:clamp(28px,4vw,48px)}
.section h2{font-size:clamp(1.9rem,4vw,3rem);letter-spacing:-.03em}
.section-lede{margin-top:14px;font-size:1.2rem;color:var(--muted);max-width:40em}
.dark .section-lede{color:#EADFDF}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(20px,3vw,40px);counter-reset:step;list-style:none;padding:0;margin:0}
.step{position:relative}
.step{border-top:3px solid var(--brand);padding-top:18px}
.step-n{display:block;font-family:var(--font-display);font-weight:800;font-size:clamp(3.4rem,6vw,5rem);line-height:.9;letter-spacing:-.04em;color:var(--ink-900);margin-bottom:14px}
.step h3{font-size:1.45rem;margin-bottom:8px}
.step p{color:var(--muted)}

/* products */
.products{display:grid;grid-template-columns:repeat(6,1fr);grid-auto-rows:auto;gap:18px}
.product{background:var(--surface);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;gap:12px;text-decoration:none;position:relative;transition:transform .3s var(--ease),box-shadow .3s var(--ease);min-height:220px}
.product:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);text-decoration:none}
.product h3{font-size:1.4rem}
.product p{color:var(--muted);font-size:1rem}
.product .go{margin-top:auto;font-weight:700;color:var(--brand);display:flex;gap:6px;align-items:center}
.product .go span{transition:transform .25s var(--ease)}
.product:hover .go span{transform:translateX(4px)}
.product .head{display:flex;align-items:center;gap:12px}
.product .pico{width:30px;height:30px;color:var(--brand);flex:none}
.products{list-style:none;margin:0;padding:0}
.products>li{display:flex}
.products>li>.product{width:100%}
.products>.lead{grid-column:span 4;grid-row:span 2}
.products>.half{grid-column:span 2}
.products>.wide{grid-column:span 3}
.product.lead-card{background:linear-gradient(135deg,#B3242A 0%,#8E1B1F 100%);color:#fff;overflow:hidden;padding:clamp(26px,3.4vw,44px);min-height:380px}
.product.lead-card p{color:#FBE3E3;font-size:1.15rem;max-width:26em}
.product.lead-card h3{font-size:clamp(1.9rem,3.4vw,2.7rem);letter-spacing:-.03em}
.product.lead-card .go{color:#fff}
.product.lead-card .pico{color:#fff;width:36px;height:36px}
.product.lead-card .lead-art{position:absolute;right:12px;bottom:14px;width:min(56%,440px);height:auto}
.product.lead-card>:not(.lead-art){position:relative;z-index:1;max-width:56%}
.product.lead-card .lead-list{margin:6px 0 0;padding:0;list-style:none;display:grid;gap:8px;font-weight:600}
.product.lead-card .lead-list li{display:flex;gap:8px;align-items:center}
.product.lead-card .lead-list svg{width:18px;height:18px;color:#fff;flex:none}
.product .tag{position:absolute;top:22px;right:22px;font-size:.78rem;font-weight:700;background:var(--cool-100);color:var(--ink-800);padding:4px 10px;border-radius:999px}

/* bank vs non-bank */
.versus{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-md);background:var(--surface)}
.versus > div{padding:clamp(26px,4vw,48px)}
.versus .bank{background:var(--surface)}
.versus .nonbank{background:var(--ink-900);color:#fff}
.versus h3{font-size:1.7rem;margin-bottom:6px}
.versus .sub{color:var(--muted);margin-bottom:20px}
.nonbank .sub{color:#EADFDF}
.versus ul{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.versus li{display:flex;gap:12px;align-items:flex-start}
.versus li svg{width:22px;height:22px;flex:none;margin-top:3px;color:var(--brand)}
.nonbank li svg{color:var(--brand-soft)}
.versus-foot{margin-top:22px;max-width:44rem;color:var(--muted)}

/* calculator */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(24px,5vw,64px);align-items:start}
.calc>div:first-child{position:sticky;top:104px}
.calc-card{background:var(--surface);border-radius:20px;box-shadow:var(--shadow-md);padding:clamp(22px,3vw,34px);display:grid;gap:22px}
.range-row{display:grid;gap:8px}
.range-row{margin:0}
.range-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.range-top label{font-weight:700;color:var(--muted);font-size:.95rem}
.range-top output{font-family:var(--font-display);font-weight:800;font-size:1.5rem}
input[type=range]{width:100%;height:32px;background:transparent;appearance:none;-webkit-appearance:none;cursor:pointer}
input[type=range]::-webkit-slider-runnable-track{height:8px;border-radius:8px;background:linear-gradient(to right,var(--brand) var(--fill,50%),var(--cool-200) var(--fill,50%))}
input[type=range]::-moz-range-track{height:8px;border-radius:8px;background:var(--cool-200)}
input[type=range]::-moz-range-progress{height:8px;border-radius:8px;background:var(--brand)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;margin-top:-10px;border-radius:50%;background:var(--surface);border:3px solid var(--ink-900);box-shadow:var(--shadow-sm)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--surface);border:3px solid var(--ink-900)}
.result{background:var(--ink-900);color:#fff;border-radius:var(--radius);padding:22px 24px}
.result .big{font-family:var(--font-display);font-weight:800;font-size:clamp(2.4rem,5vw,3.4rem);letter-spacing:-.03em;line-height:1}
.result .big small{font-size:1.1rem;font-weight:600;color:#EADFDF;letter-spacing:0}
.result dl{display:grid;grid-template-columns:1fr auto;gap:10px 20px;margin:18px 0 0;padding-top:16px;border-top:1px solid rgba(255,255,255,.18)}
.result dt{font-size:.95rem;color:#EADFDF}
.result dd{margin:0;font-weight:700;font-size:1.1rem;text-align:right}
.fine{font-size:.85rem;color:var(--muted);line-height:1.5}

/* trust */
.trust{display:grid;grid-template-columns:1fr 1.5fr;gap:clamp(24px,6vw,80px);align-items:start}
.trust-list{list-style:none;margin:0;padding:0}
.trust-list li{display:flex;gap:18px;padding:22px 0;border-top:1px solid var(--line)}
.trust-list li:last-child{border-bottom:1px solid var(--line)}
.trust-list svg{width:30px;height:30px;color:var(--brand);flex:none;margin-top:2px}
.trust-list h3{font-size:1.3rem;margin-bottom:6px}
.trust-list p{color:var(--muted)}
.tiers{margin:0;display:grid}
.tiers>div{display:grid;grid-template-columns:minmax(150px,.35fr) 1fr;gap:20px;padding:20px 0;border-top:1px solid var(--line)}
.tiers>div:last-child{border-bottom:1px solid var(--line)}
.tiers dt{font-family:var(--font-display);font-weight:700;font-size:1.25rem}
.tiers dd{margin:0;color:var(--muted)}
.faq-layout{display:grid;grid-template-columns:1fr 1.7fr;gap:clamp(24px,6vw,80px);align-items:start}
.faq-layout .section-head{margin-bottom:0;position:sticky;top:104px}
.faq-layout .faq{max-width:none}

/* faq */
.faq{max-width:52rem}
.faq details{border-top:1px solid var(--line)}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:20px;align-items:center;padding:22px 4px;font-family:var(--font-display);font-weight:700;font-size:1.25rem;letter-spacing:-.01em}
.faq summary::-webkit-details-marker{display:none}
.faq summary .pm{flex:none;width:34px;height:34px;padding:6px;border-radius:50%;background:var(--cool-100);fill:none;stroke:var(--brand);stroke-width:2.4;stroke-linecap:round;transition:background-color .2s}
.faq summary .pm .v{transform-origin:12px 12px;transition:transform .3s var(--ease),opacity .2s}
.faq details[open] .pm{background:var(--brand-dim)}
.faq details[open] .pm .v{transform:scaleY(0);opacity:0}
.faq summary:hover .pm{background:var(--brand-dim)}
.faq .ans{padding:0 4px 24px;color:var(--muted);max-width:44rem}

/* cta band */
.cta-band{background:linear-gradient(135deg,#B3242A 0%,#8E1B1F 100%);color:#fff;border-radius:24px;padding:clamp(32px,6vw,72px);display:grid;grid-template-columns:1fr auto;gap:28px;align-items:center;position:relative;overflow:hidden}
.cta-band h2{font-size:clamp(1.8rem,3.6vw,2.7rem)}
.cta-band p{color:#FBE3E3;margin-top:12px;max-width:34em}
.cta-wrap{padding-block:0 clamp(56px,8vw,96px)}

/* footer */
.site-footer{background:var(--tint);color:var(--muted);padding-block:48px 28px;font-size:.98rem;border-top:1px solid var(--line)}
.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:32px}
.site-footer h4{font-size:1rem;color:var(--ink);margin-bottom:14px;letter-spacing:0}
.site-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.site-footer a{text-decoration:none}
.site-footer a:hover{color:var(--brand);text-decoration:underline}
.site-footer .brand{margin-bottom:14px}
.site-footer .brand img{height:44px}
.legal{margin-top:36px;padding-top:22px;border-top:1px solid var(--line);display:grid;gap:12px;font-size:.88rem;color:var(--muted);max-width:70rem}

/* inner pages */
.page-hero{background:linear-gradient(135deg,#B3242A 0%,#8E1B1F 100%);color:#fff;padding-block:clamp(40px,6vw,72px)}
.page-hero h1{font-size:clamp(2.1rem,5vw,3.6rem);letter-spacing:-.03em;font-weight:800;max-width:18em}
.page-hero .btn-signal{background:#fff;color:var(--brand);box-shadow:0 2px 4px rgba(11,11,11,.2),0 8px 16px rgba(11,11,11,.2)}
.page-hero .btn-signal:hover{background:#151515;color:#fff}
.page-hero.compact{padding-block:clamp(28px,4vw,44px)}
.page-hero p{margin-top:16px;color:#FBE3E3;font-size:1.2rem;max-width:38em}
.prose{max-width:46rem}
.prose h2{font-size:1.7rem;margin:2.2em 0 .6em}
.prose h3{font-size:1.25rem;margin:1.6em 0 .4em}
.prose p,.prose li{color:#2E2A2B}
.prose p+p{margin-top:1em}
.prose ul{padding-left:1.2em;display:grid;gap:.5em}
.placeholder{background:#FFF4C2;border-radius:4px;padding:0 4px}

/* apply */
.apply-grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,.7fr);gap:clamp(24px,5vw,56px);align-items:start}
.form-card{background:var(--surface);border-radius:20px;box-shadow:var(--shadow-md);padding:clamp(22px,3.4vw,40px)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form-grid .full{grid-column:1/-1}
.form-grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}
.page-split{display:grid;grid-template-columns:1.2fr .8fr;gap:clamp(24px,5vw,64px);align-items:center}
.contact-card{background:var(--surface);border-radius:20px;box-shadow:var(--shadow-md);padding:clamp(22px,3.4vw,40px);max-width:46rem;display:grid;gap:0}
.contact-card div{display:grid;grid-template-columns:8rem 1fr;gap:12px;padding:18px 0;border-top:1px solid var(--line)}
.contact-card div:first-child{border-top:0;padding-top:0}
.contact-card dt{font-weight:700;color:var(--muted)}
.contact-card dd{margin:0}
.form-card fieldset{border:0;padding:0;margin:0}
.form-card legend{font-family:var(--font-display);font-weight:700;font-size:1.2rem;margin-bottom:14px;padding:0}
.consent{margin:20px 0 0;display:flex;gap:12px;align-items:flex-start;padding:16px;border-radius:var(--radius-sm);background:var(--cool-50);border:1.5px solid var(--line)}
.consent input{width:22px;height:22px;margin-top:2px;accent-color:var(--brand);flex:none}
.consent label{font-size:.95rem;color:#2E2A2B}
.notice{padding:16px 18px;border-radius:var(--radius-sm);font-weight:600;margin-top:16px}
.notice.info{background:#FFF4C2;color:#4A3B00}
.notice.ok{background:var(--cool-100);color:var(--ink-900)}
.side-card{background:var(--cool-100);border-radius:var(--radius);padding:26px;display:grid;gap:18px}
.side-card h2,.side-card h3{font-size:1.3rem}
.side-card ul{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.side-card li{display:flex;gap:10px}
.side-card svg{width:22px;height:22px;color:var(--brand);flex:none;margin-top:2px}
.seg{display:flex;flex-wrap:wrap;gap:8px}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg label{padding:10px 16px;border-radius:999px;border:1.5px solid var(--line);font-weight:700;cursor:pointer;color:var(--ink);font-size:1rem}
.seg input:checked + label{background:var(--brand);color:#fff;border-color:var(--brand)}
.seg input:focus-visible + label{outline:3px solid var(--brand);outline-offset:2px}

/* car page extras */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(24px,5vw,64px);align-items:center}
.checklist{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:14px}
.checklist li{display:flex;gap:12px}
.checklist svg{width:24px;height:24px;color:var(--brand);flex:none;margin-top:2px}
.band{background:var(--surface);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-sm)}
.band h3{font-size:1.15rem;margin-bottom:6px}
.band p{color:var(--muted);font-size:.98rem}
.band .meter{height:8px;border-radius:8px;background:var(--cool-200);margin-bottom:16px;overflow:hidden}
.band .meter i{display:block;height:100%;background:var(--brand);border-radius:8px}

/* motion: one authored reveal for the hero, quiet fades elsewhere */
@media (prefers-reduced-motion:no-preference){
  .hero h1,.hero-sub,.assure{animation:rise .9s var(--ease) both}
  .hero-sub{animation-delay:.08s}.assure{animation-delay:.16s}
  .finder-card{animation:rise 1s .2s var(--ease) both}
  .hero-art{animation:drive 1.4s .1s var(--ease) both}
  .reveal{opacity:0;transform:translateY(18px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
  .reveal.in{opacity:1;transform:none}
  .js-off .reveal{opacity:1;transform:none}
}
@keyframes rise{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:none}}
@keyframes drive{from{opacity:0;transform:translateX(60px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}

/* responsive */
@media (max-width:1100px){
  .form-grid.three{grid-template-columns:1fr 1fr}
  .form-grid.three .field:last-child{grid-column:1/-1}
}
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr}
  .hero-art{max-width:520px;margin:8px auto 0;margin-right:0}
  .finder-fields{grid-template-columns:1fr 1fr}
  .finder-fields .btn{grid-column:1/-1}
  .products{grid-template-columns:repeat(2,1fr)}
  .product.lead,.product.half,.product.wide{grid-column:span 2}
  .product.lead .lead-copy{max-width:100%}
  .product.lead-card .lead-art{position:relative;right:auto;bottom:auto;width:100%;margin-top:10px}
  .steps{grid-template-columns:1fr}
  .trust,.faq-layout{grid-template-columns:1fr}
  .faq-layout .section-head{position:static;margin-bottom:24px}
  .versus,.calc,.split,.apply-grid,.page-split{grid-template-columns:1fr}
  .calc>div:first-child{position:static}
  .footer-grid{grid-template-columns:1fr 1fr}
  .cta-band{grid-template-columns:1fr}
}
@media (max-width:820px){
  .menu-btn{display:block}
  .nav{position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:2px;padding:12px var(--gutter) 20px;background:var(--ground);color:var(--ink);border-bottom:1px solid var(--line);box-shadow:var(--shadow-md);display:none;margin:0}
  .nav.open{display:flex}
  .nav a{padding:14px 12px;font-size:1.1rem}
  .nav .btn{margin:8px 0 0}
}
@media (max-width:560px){
  .finder-fields{grid-template-columns:1fr}
  .products{grid-template-columns:1fr}
  .products>.lead,.products>.half,.products>.wide{grid-column:auto}
  .form-grid,.form-grid.three{grid-template-columns:1fr}
  .page-art{display:none}
  .contact-card div{grid-template-columns:1fr;gap:2px}
  .tiers>div{grid-template-columns:1fr;gap:4px}
  .hero-art{display:none}
  .assure{display:none}
  .tabs{flex-wrap:wrap;overflow:visible}
  .tab{padding:0 14px;font-size:.95rem}
  .footer-grid{grid-template-columns:1fr}
}

.cta-band .btn-signal{background:#fff;color:var(--brand);box-shadow:0 2px 4px rgba(11,11,11,.2),0 8px 16px rgba(11,11,11,.2)}
.cta-band .btn-signal:hover{background:#151515;color:#fff}

/* ---- v2: form steps, call buttons, terms, thank-you, proof ---- */
[hidden]{display:none!important}
fieldset{min-width:0;border:0;margin:0;padding:0}
.btn svg{width:20px;height:20px;flex:none}
.btn-back,.btn-call{background:#fff;color:var(--ink);border:1.5px solid var(--line)}
.btn-back:hover,.btn-call:hover{background:#151515;color:#fff;border-color:#151515;transform:translateY(-2px);text-decoration:none}
.btn-wa{background:transparent;color:#fff;border:1.5px solid #fff}
.btn-wa:hover{background:#151515;border-color:#151515;text-decoration:none}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.nav .call-num{display:none}
@media (min-width:1180px){.nav .call-num{display:inline}}
.flip{transform:scaleX(-1)}
p.field{margin:0}
.hero-art{margin:0}
.finder-note{display:flex;gap:10px;align-items:flex-start}
.finder-note svg,.credit-note svg{width:20px;height:20px;color:var(--brand);flex:none;margin-top:2px}
.credit-note{display:flex;gap:10px;align-items:flex-start;margin:20px 0 0;font-size:.95rem;color:var(--muted)}
.term{background:none;border:0;padding:0;font:inherit;color:inherit;cursor:help;text-decoration:underline dotted;text-decoration-thickness:2px;text-underline-offset:.25em}
.term:hover{text-decoration-style:solid}
.def{max-width:min(92vw,360px);border:0;border-radius:var(--radius);padding:20px 22px;box-shadow:var(--shadow-lg);background:#fff;color:var(--ink);font-size:1rem;line-height:1.5}
.def::backdrop{background:rgba(11,11,11,.35)}
.def strong{display:block;font-family:var(--font-display);font-size:1.15rem;margin-bottom:6px}
@supports not selector(:popover-open){.def{display:none}}
.mobile-bar{display:none}
@media (max-width:820px){
  .mobile-bar{position:fixed;left:0;right:0;bottom:0;z-index:60;display:flex;gap:10px;padding:10px var(--gutter) calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(11,11,11,.1)}
  .mobile-bar .btn{flex:1;min-height:48px;padding:0 14px;font-size:1rem}
  body:has(.mobile-bar){padding-bottom:76px}
}
/* apply steps */
.progress{margin-bottom:26px}
.step-label{font-weight:700;color:var(--muted);font-size:.92rem;margin-bottom:8px}
progress{appearance:none;-webkit-appearance:none;width:100%;height:8px;border:0;border-radius:8px;overflow:hidden;background:var(--cool-200)}
progress::-webkit-progress-bar{background:var(--cool-200)}
progress::-webkit-progress-value{background:var(--brand);border-radius:8px;transition:width .4s var(--ease)}
progress::-moz-progress-bar{background:var(--brand);border-radius:8px}
.step legend{font-family:var(--font-display);font-weight:700;font-size:clamp(1.4rem,3vw,1.8rem);letter-spacing:-.02em;margin-bottom:20px;padding:0;outline:none;line-height:1.15}
.step .field{margin-top:18px}
.step .hint{color:var(--muted);font-size:.92rem;margin:14px 0 0}
.choices,.seg{list-style:none;margin:0;padding:0}
.choices{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.choices input{position:absolute;opacity:0;pointer-events:none}
.choices label{display:flex;align-items:center;gap:12px;min-height:64px;padding:16px 18px;border:1.5px solid var(--line);border-radius:var(--radius);font-weight:700;font-size:1.08rem;cursor:pointer;transition:border-color .2s,background-color .2s}
.choices label svg{width:28px;height:28px;color:var(--brand);flex:none}
.choices label:hover{border-color:var(--brand)}
.choices input:checked + label{border-color:var(--brand);background:var(--brand-dim);box-shadow:0 0 0 1px var(--brand) inset}
.choices input:focus-visible + label{outline:3px solid var(--brand);outline-offset:2px}
.seg{display:flex;flex-wrap:wrap;gap:8px}
.seg li{position:relative}
.step-nav{display:flex;justify-content:space-between;gap:12px;margin-top:28px}
.step-nav .btn-signal{margin-left:auto}
.summary{display:grid;grid-template-columns:auto 1fr;gap:8px 22px;margin:0 0 6px;padding:18px 20px;background:var(--cool-50);border-radius:var(--radius-sm)}
.summary dt{color:var(--muted);font-weight:600}
.summary dd{margin:0;font-weight:600;overflow-wrap:anywhere}
.hp{position:absolute;left:-9999px}
.thanks:focus{outline:none}
.thanks-mark{width:92px;height:92px;margin-bottom:18px}
.thanks-mark circle{fill:var(--brand-dim);stroke:var(--brand);stroke-width:4}
.thanks-mark path{fill:none;stroke:var(--brand);stroke-width:7;stroke-linecap:round;stroke-linejoin:round}
@media (prefers-reduced-motion:no-preference){
  .thanks-mark circle{stroke-dasharray:264;animation:draw .7s var(--ease) both}
  .thanks-mark path{stroke-dasharray:64;animation:draw .5s .45s var(--ease) both}
}
@keyframes draw{from{stroke-dashoffset:264}to{stroke-dashoffset:0}}
.thanks h2{font-size:clamp(1.8rem,4vw,2.5rem);letter-spacing:-.03em}
.thanks-lede{margin:12px 0 22px;color:var(--muted);font-size:1.15rem}
.next-steps{list-style:none;margin:24px 0;padding:0;display:grid;gap:14px}
.next-steps li{display:flex;gap:14px;align-items:flex-start}
.next-steps .step-n{display:grid;place-items:center;flex:none;width:34px;height:34px;margin:0;border-radius:50%;background:var(--ink-900);color:#fff;font-size:1rem;letter-spacing:0;line-height:1}
.next-steps p{margin:4px 0 0;color:var(--muted)}
.thanks-actions{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0 0}
.side-card .btn{margin-top:4px}
/* proof (rendered from config) */
.stats,.reviews,.lenders{list-style:none;margin:0;padding:0}
.stats{display:flex;flex-wrap:wrap;gap:20px 56px;margin-bottom:36px}
.stats li{display:grid}
.stats strong{font-family:var(--font-display);font-size:clamp(2rem,4vw,3rem);letter-spacing:-.03em;line-height:1}
.stats span{color:var(--muted)}
.reviews{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px}
.reviews figure{margin:0;padding:22px;background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow-sm);height:100%}
.stars{display:flex;gap:2px;margin:0 0 10px}
.stars svg{width:20px;height:20px;color:var(--brand)}
.reviews blockquote{margin:0}
.reviews figcaption{margin-top:12px;color:var(--muted);font-size:.92rem}
.lenders{display:flex;flex-wrap:wrap;gap:20px 36px;align-items:center;margin-top:36px}
@media (max-width:560px){.choices{grid-template-columns:1fr}.summary{grid-template-columns:1fr;gap:2px}.summary dd{margin-bottom:10px}.step-nav .btn{flex:1}}
.apply-grid>*,.split>*,.calc>*,.faq-layout>*,.trust>*{min-width:0}
@media (max-width:560px){.thanks-actions .btn,.side-card .btn{white-space:normal;text-align:center;flex:1 1 100%}}

.go svg{width:1.15em;height:1.15em;flex:none;transition:transform .25s var(--ease)}
.product:hover .go svg{transform:translateX(4px)}
/* 2 versus padding */
.versus>article{padding:clamp(26px,4vw,48px)}
/* 3 gap before closing band */
.section.tint + .cta-wrap{padding-top:clamp(56px,8vw,96px)}
/* 5 legal layout */
.legal-layout{display:grid;grid-template-columns:minmax(0,15rem) minmax(0,1fr);gap:clamp(24px,6vw,80px);align-items:start}
.toc{position:sticky;top:104px;font-size:.95rem}
.toc-title{font-family:var(--font-display);font-weight:700;font-size:1.05rem;margin-bottom:12px}
.toc ol{list-style:none;margin:0;padding:0;border-left:2px solid var(--line);display:grid;gap:2px}
.toc a{display:block;padding:6px 0 6px 14px;margin-left:-2px;border-left:2px solid transparent;color:var(--muted);text-decoration:none}
.toc a:hover{color:var(--brand);border-left-color:var(--brand)}
.legal-layout .prose{max-width:46rem}
.legal-layout .prose h2{scroll-margin-top:100px}
.legal-layout .prose h2:first-child{margin-top:0}
.draft-note{padding:14px 16px;background:#FFF4C2;border-radius:var(--radius-sm);margin-bottom:28px;font-size:.98rem}
.prose ol,.prose ul{padding-left:1.3em;display:grid;gap:.5em}
.updated{color:#FBE3E3}
@media (max-width:980px){.legal-layout{grid-template-columns:1fr}.toc{display:none}}

.demo-flag{display:inline-block;padding:8px 14px;border-radius:var(--radius-sm);background:#FFF4C2;font-weight:600;margin-bottom:24px}

/* Team page */
.team-lede{margin-top:10px;color:var(--muted);max-width:40em}
.team-grid{list-style:none;margin:32px 0 0;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:20px}
.person{display:grid;justify-items:center;gap:6px;padding:28px 18px 24px;text-align:center;background:var(--surface);border:1px solid var(--line);border-radius:16px}
.person .avatar{width:92px;height:92px;margin-bottom:6px;border-radius:50%;box-shadow:0 0 0 4px var(--brand-dim)}
.person h3{font-size:1.1rem;letter-spacing:-.01em}
.person p{margin:0;max-width:100%}
.person a{color:var(--brand);font-weight:600;font-size:.95rem;overflow-wrap:anywhere;text-decoration:underline;text-underline-offset:3px}
.person a:hover{color:var(--ink-900)}
.person a:focus-visible{outline:3px solid var(--brand-soft);outline-offset:3px;border-radius:4px}

/* Header: keep every nav link on one line; tighten on laptops so six links plus two buttons fit. */
.nav a{white-space:nowrap}
@media (min-width:821px) and (max-width:1179px){
  .header-row{gap:14px}
  .nav{gap:2px}
  .nav a{padding:10px 9px;font-size:.95rem}
  .nav .btn{margin-left:4px}
}
@media (min-width:821px) and (max-width:899px){
  .header-row{gap:10px}
  .nav a{padding:10px 6px;font-size:.9rem}
  .nav .btn{margin-left:2px}
  .brand img{width:104px;height:auto}
}

/* Products: lead card plus two stacked cards, then one full-width card */
.products>.full{grid-column:1/-1}
.products-foot{margin-top:18px;text-align:center}
@media (max-width:980px){
  /* The car image sits below the text here, so the text can use the full card width */
  .product.lead-card>:not(.lead-art){max-width:100%}
}
@media (max-width:980px){
  /* Two-column grid: lead and full-width cards span both columns, the two small cards share a row evenly */
  .products>.lead,.products>.full,.products>.wide{grid-column:1/-1;grid-row:auto}
  .products>.half{grid-column:span 1}
}

/* With only two products shown, the second card is as tall as the lead card beside it */
.products>.tall{grid-column:span 2;grid-row:span 2}
@media (max-width:980px){
  .products>.tall{grid-column:1/-1;grid-row:auto}
}