:root{
  --navy:#0F2E4D; --navy2:#16406B; --ink:#132029; --muted:#5A6B78;
  --bg:#F5F8FB; --card:#FFFFFF; --line:#E3EAF1; --accent:#0E9F6E; --accent2:#0C8A60;
  --warn:#C0492B; --winbg:#E9F8F1; --winline:#0E9F6E; --chip:#EEF3F8;
  --bar:#16406B; --barwin:#0E9F6E; --soft:#F0F6FB; --softline:#D5E4F0;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  line-height:1.55;-webkit-font-smoothing:antialiased}
.wrap{max-width:1080px;margin:0 auto;padding:0 16px}
.wrap-narrow{max-width:760px;margin:0 auto;padding:0 16px}
a{color:var(--navy2)}

/* ---------- Header / nav ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(15,46,77,.97);
  backdrop-filter:saturate(140%) blur(6px);color:#fff;border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;gap:18px;height:60px}
.brand{display:flex;align-items:center;gap:10px;font-weight:700;font-size:18px;letter-spacing:-.2px;
  color:#fff;text-decoration:none;white-space:nowrap}
.brand .logo{width:30px;height:30px;flex:none;display:block}
.nav-links{display:flex;align-items:center;gap:6px;margin-left:auto;overflow-x:auto}
.nav-links a{color:#C7D6E4;text-decoration:none;font-size:14px;font-weight:600;
  padding:8px 12px;border-radius:8px;white-space:nowrap}
.nav-links a:hover{color:#fff;background:rgba(255,255,255,.08)}
.nav-links a.active{color:#fff;background:rgba(14,159,110,.22);box-shadow:inset 0 0 0 1px rgba(14,159,110,.5)}
.nav-cta{background:var(--accent);color:#06301f;text-decoration:none;font-weight:700;font-size:14px;
  padding:8px 14px;border-radius:8px;white-space:nowrap}
.nav-cta:hover,.nav-cta[aria-current]{background:#fff;color:var(--navy)}
@media(max-width:600px){
  .nav{flex-wrap:wrap;height:auto;gap:4px;padding-top:10px;padding-bottom:8px}
  .brand{margin-right:auto}
  .nav-cta{order:2}
  .nav-links{order:3;margin-left:-12px;width:calc(100% + 12px)}
  .nav-links a{font-size:14px;padding:8px 12px}
}
@media(max-width:360px){ .brand span{display:none} }

/* ---------- Heroes ---------- */
.hero{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:34px 0 38px}
.hero h1{font-size:32px;line-height:1.14;margin:8px 0 10px;letter-spacing:-.5px}
.hero p{margin:0;color:#C7D6E4;font-size:17px;max-width:660px}
.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:1.4px;color:var(--accent);font-weight:800;margin:0}
.page-hero{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:38px 0 40px}
.page-hero h1{font-size:34px;line-height:1.12;margin:10px 0 12px;letter-spacing:-.5px;max-width:820px}
.page-hero p{margin:0;color:#C7D6E4;font-size:18px;max-width:720px}

/* ---------- Buttons ---------- */
.btn{display:inline-block;text-decoration:none;font-weight:700;font-size:15px;border-radius:10px;
  padding:12px 20px;cursor:pointer;border:0}
.btn-accent{background:var(--accent);color:#06301f}
.btn-accent:hover{background:var(--accent2);color:#fff}
.btn-ghost{background:transparent;color:#fff;box-shadow:inset 0 0 0 1.5px rgba(255,255,255,.35)}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}

/* ---------- Cards / layout ---------- */
main{padding:26px 0 40px}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px}
.card h2{font-size:13px;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin:0 0 16px}
.grid{display:grid;grid-template-columns:340px 1fr;gap:22px;align-items:start}
/* grid items default to min-width:auto, which lets the wide tables (meant to scroll inside
   their own boxes) stretch the whole column and zoom the page out on phones */
.grid>*{min-width:0}
@media(max-width:860px){.grid{grid-template-columns:1fr}}
/* phones: keep the decision number (Effective APR) on screen without sideways scrolling */
@media(max-width:600px){
  #resultsTable{min-width:0}
  #resultsTable th:nth-child(2),#resultsTable td:nth-child(2),
  #resultsTable th:nth-child(4),#resultsTable td:nth-child(4){display:none}
}
/* anchor jumps land below the sticky header (taller two-row header on phones) */
[id]{scroll-margin-top:76px}
@media(max-width:600px){[id]{scroll-margin-top:112px}}

/* ---------- Calculator ---------- */
label{display:block;font-size:14px;font-weight:600;color:var(--muted);margin:14px 0 5px}
label:first-of-type{margin-top:0}
input[type=text]{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:9px;
  font-size:16px;color:var(--ink);background:#fff}
input[type=text]:focus{outline:none;border-color:var(--navy2);box-shadow:0 0 0 3px rgba(22,64,107,.12)}
.slider-row{display:flex;justify-content:space-between;align-items:baseline}
.slider-val{font-weight:700;color:var(--navy);font-size:15px}
input[type=range]{width:100%;accent-color:var(--accent);margin:6px 0 2px}
.hint{font-size:13px;color:var(--muted);margin-top:2px}
.results h2{font-size:13px;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin:0 0 4px}
.lead{font-size:16px;color:var(--ink);margin:0 0 16px}
.lead b{color:var(--accent2)}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0 -4px;padding:0 4px}
.table-scroll table{min-width:560px}
table{width:100%;border-collapse:collapse;font-size:15px}
thead th{text-align:right;font-size:12px;text-transform:uppercase;letter-spacing:.6px;color:var(--muted);
  padding:0 8px 8px;border-bottom:1px solid var(--line);font-weight:700}
thead th:first-child{text-align:left}
tbody td{padding:12px 8px;border-bottom:1px solid var(--line);text-align:right;vertical-align:middle}
tbody td:first-child{text-align:left;font-weight:600}
tbody tr.win{background:var(--winbg)}
tbody tr.win td:first-child::before{content:"\25B8 ";color:var(--accent)}
tbody tr.base td{color:var(--muted);font-style:italic}
.apr{font-weight:800;font-size:16px;color:var(--navy)}
.win .apr{color:var(--accent2)}
.barwrap{height:8px;background:var(--chip);border-radius:6px;overflow:hidden;min-width:70px;margin-top:6px}
.bar{height:100%;background:var(--bar);border-radius:6px}
.win .bar{background:var(--barwin)}
.tag{display:inline-block;font-size:11px;color:var(--muted);background:var(--chip);
  border-radius:20px;padding:2px 9px;margin-left:6px;font-weight:600;font-style:normal}
details.terms-wrap{margin-top:18px;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:0}
details.terms-wrap summary{cursor:pointer;padding:16px 20px;font-weight:700;font-size:14px;color:var(--navy);list-style:none}
details.terms-wrap summary::-webkit-details-marker{display:none}
details.terms-wrap summary::before{content:"\2699  "}
.terms{padding:0 20px 18px;overflow-x:auto}
.terms table{font-size:13px;min-width:640px}
.terms td,.terms th{text-align:center;padding:6px}
.terms th:first-child,.terms td:first-child{text-align:left}
.terms input{width:74px;padding:6px;border:1px solid var(--line);border-radius:7px;text-align:center;font-size:13px}
.callout{background:var(--soft);border:1px solid var(--softline);border-left:4px solid var(--navy2);
  border-radius:10px;padding:14px 16px;margin-top:18px;font-size:15px;color:var(--ink)}
.disclaimer{font-size:13px;color:var(--muted);margin-top:26px;padding-top:18px;border-top:1px solid var(--line)}
.disclaimer b{color:var(--warn)}

/* ---------- Calculator: eligibility, quotes, sources ---------- */
.subhead{font-size:13px;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin:22px 0 8px;font-weight:700}
.plist{list-style:none;margin:0;padding:0}
.plist li{padding:12px 0;border-top:1px solid var(--line);font-size:15px}
.plist li:first-child{border-top:0}
.plist .pname{font-weight:700;color:var(--ink)}
.plist .why{color:var(--muted);display:block;margin-top:2px}
.plist .ceiling{display:block;margin-top:4px;color:var(--ink)}
.linkbtn{background:none;border:0;padding:0;color:var(--navy2);text-decoration:underline;cursor:pointer;font:inherit}
.terms-tools{display:flex;flex-wrap:wrap;gap:14px;align-items:center;padding:0 20px 16px;font-size:14px;color:var(--muted)}
.terms-tools input{width:110px;padding:7px 8px;border:1px solid var(--line);border-radius:7px;font-size:14px}
.terms select{padding:6px;border:1px solid var(--line);border-radius:7px;font-size:13px;background:#fff}
.sources{margin-top:18px}
.sources h2{margin-bottom:6px}
.sources .intro{font-size:15px;color:var(--ink);margin:0 0 12px}
.src-item{padding:14px 0;border-top:1px solid var(--line);font-size:15px}
.src-item h3{margin:0 0 4px;font-size:16px;color:var(--ink)}
.src-item p{margin:0 0 6px;color:var(--ink)}
.src-item .srcs{font-size:14px;color:var(--muted)}
.src-item .srcs a{margin-right:10px}
.flag{display:inline-block;font-size:12px;font-weight:700;border-radius:20px;padding:2px 9px;margin-left:6px;
  background:#FFF4D6;color:#7A5300;vertical-align:middle}
.hero .reviewed,.page-hero .reviewed{font-size:14px;color:#C7D6E4;margin-top:14px}
.reviewed-dark{font-size:14px;color:var(--muted);margin:0 0 6px}

/* ---------- Prose (article pages) ---------- */
.prose{font-size:18px;color:var(--ink)}
.prose h2{font-size:26px;line-height:1.2;letter-spacing:-.3px;margin:38px 0 12px;color:var(--navy)}
.prose h3{font-size:20px;line-height:1.25;margin:26px 0 8px;color:var(--ink)}
.prose p{margin:0 0 16px}
.prose ul,.prose ol{margin:0 0 18px;padding-left:22px}
.prose li{margin:0 0 8px}
.prose strong{color:var(--ink)}
.prose .keytake{background:var(--soft);border:1px solid var(--softline);border-left:4px solid var(--accent);
  border-radius:10px;padding:16px 18px;margin:22px 0;font-size:16px}
.prose .keytake b{color:var(--accent2)}
.prose .warnbox{background:#FCF3F0;border:1px solid #EFD6CE;border-left:4px solid var(--warn);
  border-radius:10px;padding:16px 18px;margin:22px 0;font-size:16px}
.toc{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin:0 0 8px}
.toc h2{font-size:12px;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin:0 0 10px}
.toc ol{margin:0;padding-left:20px;font-size:15px}
.toc li{margin:6px 0}
.toc a{text-decoration:none}.toc a:hover{text-decoration:underline}

/* comparison table in prose */
.ctable{width:100%;border-collapse:collapse;font-size:15px;margin:8px 0 22px}
.ctable th,.ctable td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.ctable thead th{background:var(--soft);font-size:13px;text-transform:uppercase;letter-spacing:.5px;color:var(--navy)}
.ctable td:first-child{font-weight:600}

/* ---------- HEI University ---------- */
.modules{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin:8px 0 10px}
@media(max-width:720px){.modules{grid-template-columns:1fr}}
.module{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px;display:flex;flex-direction:column;gap:10px}
.module .num{width:34px;height:34px;border-radius:9px;background:var(--soft);color:var(--navy);
  display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px}
.module h3{margin:0;font-size:19px;color:var(--ink)}
.module p{margin:0;font-size:15px;color:var(--muted)}
.module .lessons{margin:6px 0 0;padding-left:18px;font-size:14px;color:var(--ink)}
.module .lessons li{margin:5px 0}
.lesson{background:var(--card);border:1px solid var(--line);border-radius:12px;margin:0 0 12px;overflow:hidden}
.lesson summary{cursor:pointer;padding:16px 18px;font-weight:700;font-size:17px;color:var(--navy);list-style:none;
  display:flex;justify-content:space-between;align-items:center;gap:12px}
.lesson summary::-webkit-details-marker{display:none}
.lesson summary::after{content:"+";font-size:22px;color:var(--muted);font-weight:400}
.lesson[open] summary::after{content:"\2013"}
.lesson .body{padding:0 18px 18px;font-size:16px;color:var(--ink)}
.lesson .body p{margin:0 0 12px}
.lesson .body ul{margin:0 0 12px;padding-left:20px}

/* ---------- Next step + review form ---------- */
.next-step{margin-top:18px}
.next-step h3{font-size:20px;margin:0 0 4px;color:var(--ink)}
.next-step p{margin:0 0 10px;font-size:16px}
.save-row{padding-bottom:18px;margin-bottom:20px;border-bottom:1px solid var(--line)}
.save-row .btn-row{margin-top:10px}
.btn-soft{background:var(--chip);color:var(--navy);box-shadow:inset 0 0 0 1px var(--line)}
.btn-soft:hover{background:#E1EAF3}
.review-intro{color:var(--ink)}
.lead-form{margin-top:6px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
.form-grid>div{margin-top:14px}
.form-grid label{margin-top:0}
@media(max-width:600px){.form-grid{grid-template-columns:1fr}}
.lead-form input[type=email],.lead-form input[type=tel],.lead-form select,.lead-form textarea{width:100%;padding:11px 12px;
  border:1px solid var(--line);border-radius:9px;font-size:16px;color:var(--ink);background:#fff;font-family:inherit}
.lead-form textarea{resize:vertical;min-height:96px}
.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{outline:none;border-color:var(--navy2);box-shadow:0 0 0 3px rgba(22,64,107,.12)}
.lead-form fieldset.stage{border:0;padding:0;margin:16px 0 0}
.lead-form legend{font-size:14px;font-weight:600;color:var(--muted);padding:0;margin-bottom:2px}
.lead-form label.radio,.lead-form label.check{display:flex;gap:10px;align-items:center;font-size:16px;font-weight:500;
  color:var(--ink);margin:8px 0;cursor:pointer}
.lead-form label.check{margin-top:16px}
.lead-form input[type=radio],.lead-form input[type=checkbox]{width:18px;height:18px;accent-color:var(--accent);flex:none;margin:0}
.opt{font-weight:400}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.lead-form .btn{margin-top:16px;font-size:16px}
.lead-form .btn:disabled{opacity:.6;cursor:wait}
.form-status{color:var(--warn);font-weight:600;margin:10px 0 0;font-size:15px}
.form-status:empty{display:none}
.form-fine{font-size:13px;color:var(--muted);margin:10px 0 0}
.scenario-note{background:var(--winbg);border:1px solid #BFE8D6;color:var(--accent2);border-radius:9px;
  padding:10px 12px;font-size:15px;font-weight:600;margin:0 0 4px}
.form-done{background:var(--winbg);border:1px solid #BFE8D6;border-radius:12px;padding:18px;font-size:16px;margin-top:8px}
.form-done p{margin:0 0 6px}

/* ---------- Contact page ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 320px;gap:22px;align-items:start}
.contact-grid>*{min-width:0}
@media(max-width:860px){.contact-grid{grid-template-columns:1fr}}
.contact-side{display:flex;flex-direction:column;gap:16px}
.contact-side p{margin:0;font-size:16px}
.steps{margin:0;padding-left:20px;font-size:16px}
.steps li{margin:0 0 10px}

/* ---------- Team (about page) ---------- */
.team{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:10px 0 22px}
.member{margin:0;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px 12px 16px;text-align:center}
.member img{width:120px;height:120px;display:block;margin:0 auto 10px}
.member figcaption{font-weight:700;font-size:18px;color:var(--ink)}
@media(max-width:480px){
  .team{gap:10px}
  .member{padding:14px 6px 12px}
  .member img{width:84px;height:84px}
}

/* ---------- CTA band ---------- */
.ctaband{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;border-radius:16px;
  padding:30px 28px;margin:34px 0 8px;text-align:center}
.ctaband h2{font-size:24px;margin:0 0 8px;color:#fff;letter-spacing:-.3px}
.ctaband p{margin:0 auto 4px;color:#C7D6E4;max-width:560px;font-size:16px}

/* ---------- Footer ---------- */
.site-footer{background:#0B2540;color:#AFC2D4;margin-top:40px;padding:34px 0 40px;font-size:14px}
.foot-grid{display:flex;flex-wrap:wrap;gap:30px;justify-content:space-between}
.site-footer a{color:#C7D6E4;text-decoration:none;display:block;margin:6px 0}
.site-footer a:hover{color:#fff}
.foot-col h4{font-size:12px;text-transform:uppercase;letter-spacing:1px;color:#7E97AE;margin:0 0 8px}
.foot-brand{max-width:320px}
.foot-brand .brand{margin-bottom:8px}
.foot-legal{margin-top:26px;padding-top:18px;border-top:1px solid rgba(255,255,255,.08);font-size:12px;color:#7E97AE}

/* ---------- Print / save as PDF (calculator results) ---------- */
@media print{
  .site-header,.site-footer,.next-step,.terms-wrap,.ctaband,.nav-cta,.hero .reviewed a{display:none !important}
  body{background:#fff}
  .hero{background:#fff;color:#000;padding:0 0 12px}
  .hero h1,.hero p,.eyebrow{color:#000}
  .grid{display:block}
  .card,.callout{break-inside:avoid;margin-bottom:12px}
  .table-scroll table,#resultsTable{min-width:0}
  #resultsTable th,#resultsTable td{display:table-cell !important}
  .bar,.barwrap,tbody tr.win{-webkit-print-color-adjust:exact;print-color-adjust:exact}
}

/* ---------- Provider terms page + links into it ---------- */
.plink{color:inherit;text-decoration:none;border-bottom:1px dotted #8FA1B0}
.plink:hover{color:var(--navy2);border-bottom:1px solid var(--navy2)}
.sources-link{font-size:15px;color:var(--ink);margin:18px 0 0;padding:14px 16px;background:var(--card);
  border:1px solid var(--line);border-radius:12px}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.chips a{color:#fff;text-decoration:none;font-weight:600;font-size:15px;padding:7px 14px;border-radius:20px;
  background:rgba(255,255,255,.08);box-shadow:inset 0 0 0 1px rgba(255,255,255,.3)}
.chips a:hover{background:rgba(255,255,255,.18)}