:root {
  --ink: #10213d;
  --muted: #5f6f85;
  --navy: #09233e;
  --blue: #155a88;
  --teal: #0f8a97;
  --gold: #f2b84b;
  --gold-dark: #cf8e18;
  --paper: #ffffff;
  --soft: #eef5f8;
  --line: #dce6ec;
  --shadow: 0 24px 70px rgba(14, 38, 63, .16);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: #f6fafc;
}
a { color: inherit; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  width: min(1180px, calc(100% - 32px));
  margin: 16px auto 0;
  padding: 16px 20px;
  background: rgba(255,255,255,.94);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 12px 40px rgba(12,32,54,.08);
  backdrop-filter: blur(12px);
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 0;
  text-decoration: none;
}
.brand-mark {
  display: none;
}
.brand-lockup {
  display: grid;
  grid-template-columns: auto auto;
  align-items: baseline;
  column-gap: 8px;
  row-gap: 0;
}
.brand-kicker {
  grid-column: 1 / -1;
  color: var(--ink);
  font-size: 11px;
  line-height: 1;
  font-weight: 900;
  letter-spacing: .02em;
}
.brand-primary {
  color: #5e6d7f;
  font-size: 13px;
  line-height: 1;
  font-weight: 800;
  letter-spacing: .03em;
  text-transform: uppercase;
}
.brand-by {
  color: #69778a;
  font-size: 12px;
  font-weight: 800;
  text-transform: lowercase;
}
.brand-sub {
  grid-column: 1 / -1;
  display: block;
  color: var(--muted);
  font-size: 11px;
  margin-top: 4px;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.brand-parent {
  grid-column: 1 / -1;
  color: #040b8f;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 31px;
  line-height: .92;
  font-weight: 800;
  letter-spacing: -.04em;
  text-transform: uppercase;
}
.brand small {
  grid-column: 1 / -1;
  display: block;
  color: var(--muted);
  font-size: 11px;
  margin-top: 4px;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.desktop-nav {
  display: flex;
  align-items: center;
  gap: 24px;
  color: #33445a;
  font-weight: 750;
  font-size: 14px;
}
.desktop-nav a { text-decoration: none; }
.desktop-nav a:hover { color: var(--blue); }
.phone-link {
  text-decoration: none;
  font-weight: 900;
  color: var(--navy);
  white-space: nowrap;
}

.hero {
  width: min(1180px, calc(100% - 32px));
  margin: 18px auto 0;
  min-height: 680px;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) 430px;
  gap: 36px;
  align-items: center;
  padding: 72px 56px;
  color: #fff;
  border-radius: 8px;
  background:
    linear-gradient(90deg, rgba(9,35,62,.98) 0%, rgba(9,35,62,.92) 48%, rgba(9,35,62,.68) 100%),
    url("https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1600&q=82") center/cover;
  box-shadow: var(--shadow);
}
.eyebrow {
  margin: 0 0 12px;
  color: var(--gold);
  font-weight: 900;
  letter-spacing: .13em;
  text-transform: uppercase;
  font-size: 13px;
}
.hero h1 {
  max-width: 720px;
  margin: 0;
  font-size: clamp(44px, 6vw, 78px);
  line-height: .93;
  letter-spacing: -.035em;
}
.hero-text {
  max-width: 650px;
  margin: 24px 0 0;
  color: rgba(255,255,255,.86);
  font-size: 21px;
  line-height: 1.45;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 30px;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 0 24px;
  border: 0;
  border-radius: 8px;
  font: inherit;
  font-weight: 900;
  text-decoration: none;
  cursor: pointer;
}
.btn-primary {
  color: #10213d;
  background: linear-gradient(180deg, #ffd36b, var(--gold));
  box-shadow: inset 0 -2px 0 rgba(151,90,0,.2), 0 14px 34px rgba(242,184,75,.24);
}
.btn-secondary {
  color: #fff;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.28);
}
.trust-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  padding: 0;
  margin: 28px 0 0;
  list-style: none;
}
.trust-strip li {
  padding: 9px 12px;
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 8px;
  background: rgba(255,255,255,.11);
  color: rgba(255,255,255,.88);
  font-weight: 800;
  font-size: 13px;
}

.hero-card {
  color: var(--ink);
  background: rgba(255,255,255,.98);
  border-radius: 8px;
  padding: 28px;
  box-shadow: 0 24px 80px rgba(0,0,0,.24);
}
.form-top {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--blue);
  font-weight: 900;
}
.status-dot {
  width: 10px;
  height: 10px;
  border-radius: 999px;
  background: #32c787;
  box-shadow: 0 0 0 5px rgba(50,199,135,.14);
}
.hero-card h2 { margin: 12px 0 18px; font-size: 30px; line-height: 1.05; letter-spacing: -.02em; }
.lead-form,
.application-form {
  display: grid;
  gap: 14px;
}
label {
  display: grid;
  gap: 7px;
  font-weight: 850;
  font-size: 13px;
  color: #263850;
}
input, select, textarea {
  width: 100%;
  min-height: 50px;
  padding: 0 14px;
  border: 1px solid #cbd9e3;
  border-radius: 8px;
  background: #f8fbfd;
  color: var(--ink);
  font: inherit;
}
textarea { padding-top: 12px; resize: vertical; }
.fine-print {
  margin: 12px 0 0;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.4;
}
.form-success {
  margin: 0;
  padding: 12px 14px;
  border: 1px solid rgba(50,199,135,.35);
  border-radius: 8px;
  background: rgba(50,199,135,.1);
  color: #156143;
  font-weight: 850;
  line-height: 1.35;
}

.proof-band {
  width: min(1180px, calc(100% - 32px));
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  margin: 22px auto;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--line);
  box-shadow: 0 16px 40px rgba(11,31,55,.06);
}
.proof-band div {
  padding: 22px;
  background: #fff;
}
.proof-band strong { display: block; font-size: 18px; }
.proof-band span { color: var(--muted); font-weight: 700; }

.notice-section,
.attorney-section {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 32px;
  align-items: center;
}
.notice-section {
  background: linear-gradient(135deg, #fffaf0, #ffffff) !important;
}
.notice-section p:last-child,
.attorney-section p:last-child {
  margin: 0;
  color: var(--muted);
  font-size: 20px;
  line-height: 1.55;
  font-weight: 700;
}

section:not(.hero):not(.proof-band) {
  width: min(1180px, calc(100% - 32px));
  margin: 22px auto;
  padding: 58px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 16px 40px rgba(11,31,55,.06);
}
.split-section {
  display: grid;
  grid-template-columns: .8fr 1.2fr;
  gap: 42px;
  align-items: start;
}
h2 {
  margin: 0;
  font-size: clamp(34px, 4vw, 54px);
  line-height: 1.02;
  letter-spacing: -.03em;
}
.split-section p,
.section-heading p,
.image-feature p,
.cta-section p {
  color: var(--muted);
  font-size: 19px;
  line-height: 1.55;
}
.steps {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}
.steps article,
.case-grid article,
.quote-card,
.apply-note,
.sidebar-card {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f9fcfd;
}
.steps article { padding: 22px; }
.steps span {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  margin-bottom: 16px;
  border-radius: 8px;
  color: #fff;
  font-weight: 900;
  background: var(--blue);
}
h3 { margin: 0 0 8px; font-size: 22px; letter-spacing: -.01em; }
.steps p, .case-grid p { margin: 0; color: var(--muted); line-height: 1.5; }

.image-feature {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 38px;
  align-items: center;
}
.image-feature img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  border-radius: 8px;
  box-shadow: 0 18px 50px rgba(12,32,54,.12);
}
.use-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  margin-top: 20px;
}
.use-grid span {
  padding: 13px 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--soft);
  font-weight: 900;
}
.section-heading {
  max-width: 830px;
  margin-bottom: 30px;
}
.case-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.case-grid article { padding: 24px; }
.testimonial-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.quote-card {
  padding: 30px;
  border-color: #cfdfe8;
}
.quote-card p {
  margin: 0 0 18px;
  font-size: 22px;
  line-height: 1.4;
  letter-spacing: -.01em;
}
.quote-card strong { color: var(--blue); }
.faq-list {
  display: grid;
  gap: 10px;
}
details {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfdfe;
  padding: 18px 20px;
}
summary {
  cursor: pointer;
  font-weight: 900;
  font-size: 18px;
}
details p {
  margin: 12px 0 0;
  color: var(--muted);
  line-height: 1.55;
}
.cta-section {
  text-align: center;
  background: linear-gradient(135deg, #09233e, #155a88) !important;
  color: #fff;
}
.cta-section p { color: rgba(255,255,255,.82); }

.apply-hero {
  display: grid;
  grid-template-columns: 1.2fr .8fr;
  align-items: end;
  gap: 28px;
  background: linear-gradient(135deg, #09233e, #155a88) !important;
  color: #fff;
}
.apply-hero h1 {
  margin: 0;
  max-width: 780px;
  font-size: clamp(42px, 6vw, 70px);
  line-height: .96;
  letter-spacing: -.035em;
}
.apply-hero p { color: rgba(255,255,255,.84); font-size: 20px; line-height: 1.5; }
.apply-note {
  padding: 24px;
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.22);
}
.apply-note strong { display: block; font-size: 22px; margin-bottom: 8px; }
.apply-note span { color: rgba(255,255,255,.8); line-height: 1.45; }
.apply-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 340px;
  gap: 28px;
  align-items: start;
}

.page-hero {
  background: linear-gradient(135deg, #09233e, #155a88) !important;
  color: #fff;
}
.page-hero h1 {
  max-width: 880px;
  margin: 0;
  font-size: clamp(42px, 6vw, 72px);
  line-height: .96;
  letter-spacing: -.035em;
}
.page-hero p {
  max-width: 860px;
  color: rgba(255,255,255,.84);
  font-size: 21px;
  line-height: 1.5;
}
.content-section p,
.content-section li {
  color: var(--muted);
  font-size: 18px;
  line-height: 1.6;
}
.content-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  margin-top: 24px;
}
.content-card {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f9fcfd;
}
.content-card p { margin-bottom: 0; }
.content-card a { color: var(--ink); text-decoration-thickness: 2px; text-underline-offset: 4px; }
.guide-summary {
  background: linear-gradient(135deg, #ffffff, #f2f8fb) !important;
}
.checklist-grid,
.comparison-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
  margin-top: 24px;
}
.checklist-grid div,
.comparison-grid article {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f9fcfd;
}
.checklist-grid strong {
  display: block;
  margin-bottom: 7px;
  color: var(--ink);
  font-size: 18px;
}
.checklist-grid span {
  display: block;
  color: var(--muted);
  line-height: 1.5;
  font-weight: 700;
}
.comparison-grid ul {
  margin: 12px 0 0;
  padding-left: 20px;
}
.comparison-grid li + li { margin-top: 7px; }
.link-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 22px;
}
.link-grid a {
  display: block;
  padding: 16px 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--soft);
  color: var(--ink);
  font-weight: 900;
  text-decoration: none;
}
.link-grid a:hover {
  border-color: #b7ccd8;
  background: #fff;
}
.application-form {
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfdfe;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.checkbox-line {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  line-height: 1.4;
}
.checkbox-line input {
  width: 18px;
  min-height: 18px;
  margin-top: 2px;
}
.apply-sidebar {
  display: grid;
  gap: 16px;
}
.apply-sidebar h2 { font-size: 34px; }
.apply-sidebar ul {
  margin: 0;
  padding-left: 20px;
  color: var(--muted);
  line-height: 1.65;
  font-weight: 700;
}
.sidebar-card { padding: 22px; }
.sidebar-card p { color: var(--muted); }
.sidebar-card a { color: var(--blue); font-weight: 900; font-size: 20px; }

.site-footer {
  width: min(1180px, calc(100% - 32px));
  margin: 22px auto 36px;
  display: grid;
  grid-template-columns: 1.1fr .9fr 1fr;
  gap: 28px;
  padding: 34px;
  border-radius: 8px;
  background: var(--navy);
  color: #fff;
}
.site-footer strong { font-size: 22px; }
.site-footer p { margin: 8px 0 0; color: rgba(255,255,255,.72); line-height: 1.5; }
.site-footer a { color: #fff; font-weight: 800; text-decoration: none; }
.footer-address {
  margin: 0;
  padding: 0;
  color: rgba(255,255,255,.78);
  font-style: normal;
  line-height: 1.55;
}
.footer-address span,
.footer-links span {
  display: block;
  margin-bottom: 10px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: .13em;
  text-transform: uppercase;
}
.footer-address strong {
  display: block;
  color: #fff;
  font-size: 18px;
}
.footer-address a {
  display: inline-block;
  margin-top: 10px;
}
.footer-links {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px 18px;
  align-content: start;
}
.footer-links span { grid-column: 1 / -1; }
.footer-links a {
  color: rgba(255,255,255,.88);
  font-size: 14px;
}
.footer-links a:hover,
.footer-address a:hover {
  color: var(--gold);
}
.disclaimer {
  grid-column: 1 / -1;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,.14);
  font-size: 13px;
  line-height: 1.45;
}

@media (max-width: 900px) {
  .site-header {
    align-items: flex-start;
    flex-wrap: wrap;
    border-radius: 0 0 8px 8px;
    width: 100%;
    margin: 0;
  }
  .desktop-nav {
    order: 3;
    width: 100%;
    overflow-x: auto;
    gap: 18px;
    padding-top: 8px;
  }
  .brand-lockup {
    grid-template-columns: auto auto;
    max-width: 260px;
  }
  .brand-primary { font-size: 11px; }
  .brand-by { font-size: 12px; }
  .brand-parent {
    grid-column: 1 / -1;
    font-size: 23px;
    margin-top: 3px;
  }
  .brand small { grid-column: 1 / -1; }
  .hero,
  .split-section,
  .image-feature,
  .notice-section,
  .attorney-section,
  .apply-hero,
  .apply-layout {
    grid-template-columns: 1fr;
  }
  .hero {
    width: 100%;
    margin-top: 0;
    min-height: auto;
    padding: 46px 22px;
    border-radius: 0 0 8px 8px;
  }
  .hero h1 { font-size: 48px; }
  .hero-text { font-size: 18px; }
  .hero-card { padding: 22px; }
  .proof-band,
  .case-grid,
  .testimonial-section,
  .steps,
  .form-row,
  .content-grid,
  .checklist-grid,
  .comparison-grid,
  .link-grid {
    grid-template-columns: 1fr;
  }
  section:not(.hero):not(.proof-band) {
    width: calc(100% - 24px);
    padding: 30px 20px;
  }
  .proof-band { width: calc(100% - 24px); }
  .use-grid { grid-template-columns: 1fr; }
  .site-footer {
    width: calc(100% - 24px);
    grid-template-columns: 1fr;
  }
  .footer-links { grid-template-columns: 1fr; }
}


.urgency-strip {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 18px;
  align-items: center;
  background: linear-gradient(135deg, #ffffff, #fff8e7) !important;
}
.urgency-strip strong {
  font-size: 22px;
}
.urgency-strip span {
  color: var(--muted);
  font-weight: 750;
  line-height: 1.45;
}
.urgency-strip a {
  color: var(--blue);
  font-weight: 900;
  text-decoration-thickness: 2px;
  text-underline-offset: 4px;
  white-space: nowrap;
}
.qualify-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
}
.qualify-grid article {
  display: grid;
  gap: 10px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f9fcfd;
}
.qualify-grid strong {
  font-size: 19px;
}
.qualify-grid span {
  color: var(--muted);
  font-weight: 700;
  line-height: 1.5;
}
.estimate-section {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 28px;
  align-items: center;
  background: linear-gradient(135deg, #f7fbfd, #ffffff) !important;
}
.estimate-section p {
  color: var(--muted);
  font-size: 19px;
  line-height: 1.55;
}
.estimate-card {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}
.estimate-card strong {
  display: block;
  margin-bottom: 10px;
  font-size: 22px;
}
.estimate-card ul {
  margin: 0 0 18px;
  padding-left: 20px;
  color: var(--muted);
  font-weight: 700;
  line-height: 1.6;
}
.proof-examples {
  grid-template-columns: repeat(3, 1fr);
}
.content-card ul {
  margin: 10px 0 0;
  padding-left: 20px;
  color: var(--muted);
  line-height: 1.55;
}
@media (max-width: 900px) {
  .urgency-strip,
  .estimate-section {
    grid-template-columns: 1fr;
  }
  .qualify-grid,
  .proof-examples {
    grid-template-columns: 1fr;
  }
}

/* CaseFundingNow education/comparison rebuild */
.education-hero {
  width: min(1180px, calc(100% - 32px));
  margin: 18px auto 0;
  min-height: 640px;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) 430px;
  gap: 36px;
  align-items: center;
  padding: 72px 56px;
  color: #fff;
  border-radius: 8px;
  box-shadow: var(--shadow);
  background:
    linear-gradient(90deg, rgba(9,35,62,.98) 0%, rgba(9,35,62,.88) 55%, rgba(21,90,136,.62) 100%),
    url("https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1600&q=82") center/cover !important;
}
.skip-link {
  position: absolute;
  left: -999px;
  top: 8px;
  z-index: 100;
  padding: 8px 12px;
  background: #fff;
  color: var(--ink);
  border-radius: 8px;
}
.skip-link:focus {
  left: 8px;
}
.hero-copy h1,
.education-hero h1 {
  max-width: 720px;
  margin: 0;
  font-size: clamp(44px, 6vw, 78px);
  line-height: .93;
  letter-spacing: -.035em;
}
.hero-copy > p {
  max-width: 650px;
  margin: 24px 0 0;
  color: rgba(255,255,255,.86);
  font-size: 21px;
  line-height: 1.45;
}
.hero-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 22px;
}
.hero-tags span {
  padding: 9px 12px;
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 8px;
  background: rgba(255,255,255,.11);
  color: rgba(255,255,255,.88);
  font-weight: 800;
  font-size: 13px;
}
.guide-card {
  color: var(--ink);
  background: rgba(255,255,255,.98);
  border-radius: 8px;
  padding: 28px;
  box-shadow: 0 24px 80px rgba(0,0,0,.24);
}
.guide-card h2 {
  margin: 12px 0 18px;
  font-size: 30px;
  line-height: 1.05;
  letter-spacing: -.02em;
}
.guide-card .status-dot {
  width: auto;
  height: auto;
  padding-left: 18px;
  border-radius: 0;
  background: transparent;
  box-shadow: none;
  color: var(--blue);
  font-weight: 900;
}
.guide-card .status-dot::before {
  content: "";
  display: inline-block;
  width: 9px;
  height: 9px;
  margin: 0 8px 1px -18px;
  border-radius: 999px;
  background: #32c787;
  box-shadow: 0 0 0 5px rgba(50,199,135,.14);
}
.microcopy {
  margin: 12px 0 0;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.45;
}
.trust-strip {
  width: min(1180px, calc(100% - 32px));
  margin: 22px auto 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border: 1px solid var(--line);
  border-radius: 8px;
  overflow: hidden;
  background: #fff;
  box-shadow: 0 14px 38px rgba(12,32,54,.06);
}
.trust-strip div {
  padding: 18px 20px;
  border-right: 1px solid var(--line);
}
.trust-strip div:last-child {
  border-right: 0;
}
.trust-strip strong,
.trust-strip span {
  display: block;
}
.trust-strip strong {
  color: var(--ink);
  font-size: 15px;
}
.trust-strip span {
  margin-top: 4px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 700;
}
.guide-card .guide-list {
  display: grid;
  gap: 12px;
  margin: 16px 0 22px;
  padding: 0;
  list-style: none;
}
.guide-card .guide-list li {
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f8fbfd;
  color: var(--ink);
  font-weight: 800;
}
.comparison-panel .comparison-grid article {
  background: #fff;
}
.notice-section .btn {
  margin-top: 18px;
}
.seo-article .article-flow {
  max-width: 940px;
  display: grid;
  gap: 16px;
  margin-bottom: 28px;
}
.seo-article .article-flow p,
.seo-article .article-flow li {
  color: var(--muted);
  font-size: 18px;
  line-height: 1.72;
}
.seo-article .article-flow p {
  margin: 0;
}
.seo-article .article-flow ul {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin: 0;
  padding: 0;
  list-style: none;
}
.seo-article .article-flow li {
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f8fbfd;
  font-weight: 800;
  color: var(--ink);
}
.seo-article .article-flow a {
  color: var(--ink);
  font-weight: 900;
  text-decoration-thickness: 2px;
  text-underline-offset: 4px;
}
.glossary-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 12px;
}
.glossary-grid article {
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfdfe;
}
.glossary-grid h3 {
  margin: 0 0 8px;
  font-size: 18px;
}
.glossary-grid p {
  margin: 0;
  color: var(--muted);
  line-height: 1.55;
}
.review-cta {
  align-items: center;
}
.eeat-block {
  width: min(1180px, calc(100% - 32px));
  margin: 18px auto 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border: 1px solid var(--line);
  border-radius: 8px;
  overflow: hidden;
  background: #fff;
  box-shadow: 0 14px 38px rgba(12,32,54,.05);
}
.eeat-block div {
  padding: 14px 18px;
  border-right: 1px solid var(--line);
}
.eeat-block div:last-child {
  border-right: 0;
}
.eeat-block strong,
.eeat-block span {
  display: block;
}
.eeat-block strong {
  color: var(--ink);
  font-size: 13px;
}
.eeat-block span {
  margin-top: 4px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 700;
}
.proof-strip {
  margin-top: 22px;
}
.qualify-strip {
  width: min(1180px, calc(100% - 32px));
  margin: 22px auto 0;
  padding: 34px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: linear-gradient(135deg, #ffffff, #f3f9fc) !important;
  box-shadow: 0 14px 38px rgba(12,32,54,.06);
}
.qualify-list {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 10px;
  margin: 22px 0;
}
.qualify-list span {
  padding: 13px 12px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
  font-weight: 900;
  text-align: center;
}
.comparison-table-wrap {
  width: 100%;
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 820px;
}
.comparison-table th,
.comparison-table td {
  padding: 16px;
  border-bottom: 1px solid var(--line);
  border-right: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}
.comparison-table th {
  color: var(--ink);
  font-weight: 900;
}
.comparison-table td {
  color: var(--muted);
  font-weight: 750;
  line-height: 1.45;
}
.comparison-table tr:last-child th,
.comparison-table tr:last-child td {
  border-bottom: 0;
}
.comparison-table th:last-child,
.comparison-table td:last-child {
  border-right: 0;
}
.comparison-table-section .btn {
  margin-top: 20px;
}
.use-funds-section .use-grid {
  grid-template-columns: repeat(4, 1fr);
}
.mobile-sticky-cta {
  display: none;
}
.site-footer {
  display: block;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.15fr 1fr .85fr .9fr .75fr;
  gap: 26px;
}
.footer-grid h3,
.footer-grid h4 {
  margin: 0 0 10px;
  color: #fff;
}
.footer-grid h4 {
  color: var(--gold);
  font-size: 12px;
  letter-spacing: .13em;
  text-transform: uppercase;
}
.footer-grid a {
  display: block;
  margin: 7px 0;
  color: rgba(255,255,255,.86);
  font-size: 14px;
}
.footer-disclaimer {
  margin-top: 24px !important;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,.14);
  font-size: 13px;
  line-height: 1.45;
}
@media (max-width: 760px) {
  body {
    background: #eef5f8;
  }
  .site-header {
    display: grid;
    grid-template-columns: 1fr;
    align-items: start;
    gap: 12px;
    width: 100%;
    margin: 0;
    padding: 14px 16px 12px;
    border-left: 0;
    border-right: 0;
    border-top: 0;
    border-radius: 0 0 8px 8px;
  }
  .brand {
    width: 100%;
  }
  .brand-lockup {
    max-width: none;
    grid-template-columns: 1fr;
    row-gap: 2px;
  }
  .brand-kicker {
    font-size: 12px;
  }
  .brand-primary {
    font-size: 13px;
    color: var(--ink);
    letter-spacing: .01em;
  }
  .brand-by {
    display: none;
  }
  .brand-sub {
    font-size: 10px;
    line-height: 1.2;
  }
  .desktop-nav {
    order: 2;
    width: 100%;
    gap: 12px;
    padding: 8px 0 0;
    overflow-x: auto;
    font-size: 12px;
    white-space: nowrap;
  }
  .phone-link {
    order: 3;
    width: 100%;
    min-height: 42px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 8px;
    background: linear-gradient(180deg, #ffd36b, var(--gold));
    box-shadow: inset 0 -2px 0 rgba(151,90,0,.2);
    text-align: center;
  }
  .education-hero {
    width: 100%;
    margin-top: 0;
    min-height: auto;
    grid-template-columns: 1fr;
    gap: 22px;
    padding: 34px 18px 22px;
    border-radius: 0 0 8px 8px;
  }
  .education-hero h1 {
    font-size: clamp(36px, 11.5vw, 48px);
    line-height: .98;
  }
  .hero-copy > p {
    font-size: 16px;
    line-height: 1.5;
    margin-top: 16px;
  }
  .hero-actions {
    display: grid;
    gap: 10px;
    margin-top: 18px;
  }
  .hero-tags {
    gap: 8px;
    margin-top: 16px;
  }
  .hero-tags span {
    font-size: 12px;
    padding: 8px 10px;
  }
  .guide-card {
    padding: 20px;
  }
  .guide-card h2 {
    font-size: 25px;
  }
  .guide-card .guide-list {
    gap: 8px;
  }
  .guide-card .guide-list li {
    padding: 10px 12px;
    font-size: 13px;
  }
  .trust-strip,
  .eeat-block,
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .eeat-block {
    width: calc(100% - 20px);
  }
  .eeat-block div {
    border-right: 0;
    border-bottom: 1px solid var(--line);
  }
  .eeat-block div:last-child {
    border-bottom: 0;
  }
  .trust-strip div {
    border-right: 0;
    border-bottom: 1px solid var(--line);
  }
  .trust-strip div:last-child {
    border-bottom: 0;
  }
  .seo-article .article-flow ul,
  .glossary-grid {
    grid-template-columns: 1fr;
  }
  .seo-article .article-flow p,
  .seo-article .article-flow li {
    font-size: 16px;
  }
  .content-section h2,
  .notice-section h2 {
    font-size: clamp(30px, 10vw, 42px);
    line-height: 1.02;
  }
  .qualify-strip {
    width: calc(100% - 20px);
    padding: 26px 18px;
  }
  .qualify-list,
  .use-funds-section .use-grid {
    grid-template-columns: 1fr;
  }
  .comparison-table-wrap {
    margin-left: -2px;
    width: calc(100% + 4px);
  }
  .mobile-sticky-cta {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 30;
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 54px;
    margin: 0;
    padding: 0 16px;
    color: var(--ink);
    background: linear-gradient(180deg, #ffd36b, var(--gold));
    box-shadow: 0 -10px 24px rgba(12,32,54,.16), inset 0 -2px 0 rgba(151,90,0,.2);
    font-weight: 950;
    text-decoration: none;
  }
  .link-grid a {
    padding: 14px 14px;
    font-size: 14px;
  }
  .site-footer {
    width: calc(100% - 20px);
    margin-bottom: 20px;
    padding: 26px 20px;
  }
  body {
    padding-bottom: 58px;
  }
}

/* Homepage visual polish - scoped so guide pages keep their existing layout */
.home-page {
  background:
    radial-gradient(circle at 10% 0%, rgba(242, 184, 75, .16), transparent 28%),
    radial-gradient(circle at 90% 8%, rgba(15, 138, 151, .13), transparent 30%),
    linear-gradient(180deg, #f6fafc 0%, #eef5f8 100%);
}
.home-page .site-header {
  width: min(1220px, calc(100% - 32px));
  margin-top: 14px;
  padding: 14px 18px;
  border-radius: 8px;
  box-shadow: 0 16px 44px rgba(12, 32, 54, .10);
}
.home-page .brand-kicker {
  color: var(--blue);
  font-size: 13px;
}
.home-page .brand-primary {
  color: var(--ink);
}
.home-page .phone-link {
  min-height: 46px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0 18px;
  border-radius: 8px;
  background: linear-gradient(180deg, #ffd46f, var(--gold));
  box-shadow: 0 12px 28px rgba(207, 142, 24, .22), inset 0 -2px 0 rgba(151, 90, 0, .18);
}
.home-page section.home-hero {
  width: min(1220px, calc(100% - 32px));
  margin: 18px auto 0;
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(360px, .72fr);
  gap: 34px;
  align-items: center;
  min-height: 600px;
  padding: 46px 52px;
  color: #fff;
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 8px;
  box-shadow: var(--shadow);
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(9, 35, 62, .98) 0%, rgba(9, 35, 62, .94) 45%, rgba(21, 90, 136, .74) 100%),
    url("https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1800&q=82") center/cover !important;
}
.hero-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 20px;
}
.hero-meta span {
  padding: 8px 11px;
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 999px;
  background: rgba(255,255,255,.10);
  color: rgba(255,255,255,.86);
  font-size: 12px;
  font-weight: 850;
}
.home-hero h1 {
  max-width: 760px;
  margin: 0;
  font-size: clamp(40px, 4.8vw, 62px);
  line-height: .98;
  letter-spacing: 0;
}
.hero-lede {
  max-width: 720px;
  margin: 22px 0 0;
  color: rgba(255,255,255,.84);
  font-size: 20px;
  line-height: 1.5;
  font-weight: 650;
}
.home-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}
.home-proof-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin-top: 28px;
  max-width: 760px;
}
.home-proof-row span {
  min-height: 54px;
  display: flex;
  align-items: center;
  padding: 12px 14px 12px 38px;
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 8px;
  background: rgba(255,255,255,.10);
  color: rgba(255,255,255,.92);
  font-size: 14px;
  font-weight: 850;
  line-height: 1.25;
  position: relative;
}
.home-proof-row span::before {
  content: "";
  position: absolute;
  left: 14px;
  width: 11px;
  height: 11px;
  border-radius: 99px;
  background: var(--gold);
  box-shadow: 0 0 0 5px rgba(242,184,75,.14);
}
.home-readiness-card {
  padding: 28px;
  border-radius: 8px;
  background: linear-gradient(180deg, rgba(255,255,255,.99), rgba(248,251,253,.99));
  color: var(--ink);
  box-shadow: 0 26px 90px rgba(0,0,0,.24);
}
.card-kicker {
  display: inline-flex;
  margin: 0 0 12px;
  padding: 8px 11px;
  border-radius: 999px;
  background: #eaf3f7;
  color: var(--blue);
  font-size: 12px;
  font-weight: 950;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.home-readiness-card h2 {
  margin: 0;
  font-size: 34px;
  line-height: 1.03;
  letter-spacing: 0;
}
.card-subtitle {
  margin: 10px 0 18px;
  color: var(--muted);
  font-size: 15px;
  line-height: 1.5;
  font-weight: 700;
}
.ready-list {
  display: grid;
  gap: 10px;
  margin: 0 0 16px;
}
.ready-list span {
  padding: 13px 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  font-weight: 900;
}
.mini-use-card {
  margin: 16px 0;
  padding: 16px;
  border: 1px solid #ead6a5;
  border-radius: 8px;
  background: #fff9ea;
}
.mini-use-card strong {
  display: block;
  margin-bottom: 7px;
  font-size: 16px;
}
.mini-use-card p {
  margin: 0;
  color: #59687c;
  font-size: 14px;
  line-height: 1.45;
  font-weight: 700;
}
.home-readiness-card .btn {
  width: 100%;
}
.home-page section.home-trust-panel {
  width: min(1220px, calc(100% - 32px));
  margin: 22px auto;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  padding: 0;
  background: transparent !important;
  border: 0;
  box-shadow: none;
}
.home-page .home-trust-panel article {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255,255,255,.94);
  box-shadow: 0 14px 34px rgba(12,32,54,.07);
}
.home-page .home-trust-panel span {
  display: inline-flex;
  margin-bottom: 16px;
  padding: 7px 9px;
  border-radius: 999px;
  color: var(--ink);
  background: #ffe5a4;
  font-size: 12px;
  font-weight: 950;
}
.home-page .home-trust-panel h2 {
  margin: 0 0 8px;
  font-size: 24px;
  line-height: 1.1;
  letter-spacing: 0;
}
.home-page .home-trust-panel p {
  margin: 0;
  color: var(--muted);
  font-size: 16px;
  line-height: 1.55;
  font-weight: 700;
}
.home-page .content-section,
.home-page .notice-section {
  border-radius: 8px;
}

@media (max-width: 900px) {
  .home-page .site-header {
    width: 100%;
    margin: 0;
    border-radius: 0 0 8px 8px;
  }
  .home-page section.home-hero {
    width: 100%;
    min-height: auto;
    margin: 0;
    grid-template-columns: 1fr;
    gap: 22px;
    padding: 30px 18px 22px;
    border-left: 0;
    border-right: 0;
    border-radius: 0 0 8px 8px;
  }
  .hero-meta {
    gap: 8px;
    margin-bottom: 14px;
  }
  .hero-meta span {
    font-size: 11px;
  }
  .hero-meta span:nth-child(2) {
    display: none;
  }
  .home-hero h1 {
    font-size: clamp(30px, 9.5vw, 38px);
    line-height: 1.02;
  }
  .hero-lede {
    margin-top: 14px;
    font-size: 15px;
  }
  .home-hero-actions {
    display: grid;
    gap: 10px;
    margin-top: 18px;
  }
  .home-proof-row {
    display: none;
  }
  .home-readiness-card {
    padding: 20px;
  }
  .home-readiness-card h2 {
    font-size: 28px;
  }
  .ready-list span {
    padding: 11px 12px;
    font-size: 14px;
  }
  .home-page section.home-trust-panel {
    width: calc(100% - 20px);
    grid-template-columns: 1fr;
    margin: 18px auto;
  }
  .home-page .home-trust-panel article {
    padding: 20px;
  }
}