*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#0D0D14;--surface:#111118;--surface2:#16161F;--card:#13131C;--card2:#1A1A26;
  --border:rgba(255,255,255,0.06);--border2:rgba(255,255,255,0.1);--border3:rgba(255,255,255,0.15);
  --text:#F0EDE8;--text2:#A8A8B8;--text3:#666678;--text4:#3A3A4A;
  --danger:#FF3B1F;--danger-bg:rgba(255,59,31,0.08);--danger-border:rgba(255,59,31,0.25);
  --safe:#00D68F;--safe-bg:rgba(0,214,143,0.08);--safe-border:rgba(0,214,143,0.25);
  --warn:#FFB800;--warn-bg:rgba(255,184,0,0.08);--warn-border:rgba(255,184,0,0.25);
  --gold:#FFB800;--r:16px;--r-sm:10px;
}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--bg);color:var(--text);min-height:100vh;-webkit-font-smoothing:antialiased;overflow-x:hidden}
body::after{content:'';position:fixed;inset:0;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.75' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.025'/%3E%3C/svg%3E");pointer-events:none;z-index:1000;opacity:0.5}
nav{background:rgba(13,13,20,0.92);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);border-bottom:1px solid var(--border);padding:0 28px;height:62px;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:500}
.nav-logo{font-family:'Fraunces',serif;font-size:19px;font-weight:400;color:var(--text);text-decoration:none;letter-spacing:-0.03em;flex-shrink:0;display:flex;align-items:baseline;gap:0}
.nav-logo-dot{width:6px;height:6px;background:var(--gold);border-radius:50%;display:inline-block;margin-left:2px;margin-bottom:1px;flex-shrink:0}
.nav-logo-in{font-family:'DM Sans',sans-serif;font-size:11px;color:var(--text3);letter-spacing:0.04em;margin-left:3px}
.nav-logo-icon{display:none}
.nav-links{display:flex;align-items:center;gap:2px}
.nav-links a{color:var(--text3);text-decoration:none;font-size:13px;font-weight:500;padding:6px 12px;border-radius:100px;transition:all 0.15s;white-space:nowrap}
.nav-links a:hover{color:var(--text);background:rgba(255,255,255,0.06)}
.nav-dropdown{position:relative;display:flex;align-items:center}
.nav-drop-btn{background:none;border:none;color:var(--text3);font-family:'DM Sans',sans-serif;font-size:13px;font-weight:500;padding:6px 12px;border-radius:100px;cursor:pointer;transition:all 0.15s;display:flex;align-items:center;gap:5px}
.nav-drop-btn:hover,.nav-drop-btn.open{color:var(--text);background:rgba(255,255,255,0.06)}
.nav-drop-menu{display:none;position:absolute;top:calc(100% + 10px);left:0;background:var(--card2);border:1px solid var(--border2);border-radius:14px;padding:6px;min-width:200px;z-index:600;box-shadow:0 20px 60px rgba(0,0,0,0.6)}
.nav-drop-menu.open{display:block;animation:dropIn 0.15s cubic-bezier(0.16,1,0.3,1)}
@keyframes dropIn{from{opacity:0;transform:translateY(-8px) scale(0.97)}to{opacity:1;transform:translateY(0) scale(1)}}
.nav-drop-menu a{display:flex;align-items:center;gap:10px;color:var(--text2);text-decoration:none;font-size:13px;font-weight:500;padding:9px 12px;border-radius:9px;transition:all 0.12s;white-space:nowrap}
.nav-drop-menu a:hover{color:var(--text);background:rgba(255,255,255,0.06)}
.nav-hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px;border:none;background:none;border-radius:8px}
.nav-hamburger span{display:block;width:20px;height:1.5px;background:var(--text2);border-radius:2px}
@media(max-width:600px){
  .nav-links{display:none;position:absolute;top:62px;left:0;right:0;background:var(--surface);flex-direction:column;align-items:stretch;padding:12px 16px 16px;gap:2px;border-bottom:1px solid var(--border);z-index:499}
  .nav-links.open{display:flex}
  .nav-links a,.nav-drop-btn{padding:11px 14px;border-radius:10px;font-size:14px}
  .nav-hamburger{display:flex}
  .nav-drop-menu{position:static;box-shadow:none;margin-top:4px;background:rgba(255,255,255,0.03);border:1px solid var(--border)}
}
.alert-bar{background:rgba(255,184,0,0.06);border-bottom:1px solid rgba(255,184,0,0.15);padding:10px 24px;display:flex;align-items:center;justify-content:center;gap:10px;font-size:12px;font-family:'JetBrains Mono',monospace;color:var(--text2);letter-spacing:0.02em}
.alert-dot{width:7px;height:7px;background:var(--gold);border-radius:50%;flex-shrink:0}
.alert-bar a{color:var(--gold);text-decoration:none;font-weight:500;border-bottom:1px solid rgba(255,184,0,0.3)}
footer{background:var(--surface);border-top:1px solid var(--border);color:var(--text3);padding:48px 24px;text-align:center;font-size:12px;line-height:2}
footer a{color:var(--text3);text-decoration:none;transition:color 0.15s}
footer a:hover{color:var(--gold)}
.footer-logo{font-family:'Fraunces',serif;font-size:24px;font-weight:400;color:var(--text);letter-spacing:-0.03em;margin-bottom:6px;display:flex;align-items:baseline;justify-content:center;gap:0}
.footer-logo-dot{width:8px;height:8px;background:var(--gold);border-radius:50%;display:inline-block;margin-left:3px;margin-bottom:2px;flex-shrink:0}
.footer-logo-in{font-family:'DM Sans',sans-serif;font-size:13px;color:var(--text3);letter-spacing:0.04em;margin-left:4px}
.footer-tagline{font-family:'JetBrains Mono',monospace;font-size:11px;color:var(--text3);letter-spacing:0.05em;margin-bottom:28px;display:block}
.footer-links{display:flex;justify-content:center;gap:8px 20px;margin-bottom:24px;flex-wrap:wrap}
.footer-divider{height:1px;background:var(--border);margin:24px auto;max-width:400px}
.footer-legal{font-family:'JetBrains Mono',monospace;font-size:10px;color:var(--text4);letter-spacing:0.05em;line-height:1.8}
.hero{position:relative;background:var(--bg);overflow:hidden;padding:80px 24px 70px;text-align:center}
.hero-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,0.018) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.018) 1px,transparent 1px);background-size:48px 48px;pointer-events:none;mask-image:radial-gradient(ellipse 80% 80% at 50% 50%,black 40%,transparent 100%)}
.hero-inner{position:relative;z-index:2;max-width:700px;margin:0 auto}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.1);border-radius:100px;padding:6px 16px;margin-bottom:28px;font-family:'JetBrains Mono',monospace;font-size:10px;letter-spacing:0.12em;text-transform:uppercase;color:var(--text3)}
.hero h1{font-family:'Fraunces',serif;font-size:clamp(30px,5.5vw,52px);font-weight:900;line-height:1.02;letter-spacing:-0.03em;margin-bottom:16px;color:var(--text)}
.hero h1 em{font-style:italic;color:var(--gold)}
.hero-sub{font-size:15px;color:var(--text3);max-width:480px;margin:0 auto;line-height:1.7;font-weight:300}
.main{max-width:800px;margin:0 auto;padding:36px 20px 80px}
.section-label{font-family:'JetBrains Mono',monospace;font-size:10px;letter-spacing:0.15em;text-transform:uppercase;color:var(--text3);margin-bottom:14px}
.verdict-strip{border-radius:var(--r-sm);padding:14px 20px;margin-bottom:24px;font-size:13px;color:var(--text2);line-height:1.65;border:1px solid}
.vs-warn{background:var(--warn-bg);border-color:var(--warn-border)}
.vs-warn strong{color:var(--warn)}
.vs-safe{background:var(--safe-bg);border-color:var(--safe-border)}
.vs-safe strong{color:var(--safe)}
.vs-bad{background:var(--danger-bg);border-color:var(--danger-border)}
.vs-bad strong{color:var(--danger)}
.stats-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:24px}
@media(max-width:520px){.stats-grid{grid-template-columns:1fr 1fr}}
.stat-card{background:var(--card);border:1px solid var(--border);border-radius:var(--r-sm);padding:14px 16px;text-align:center}
.s-lbl{font-family:'JetBrains Mono',monospace;font-size:9px;font-weight:600;color:var(--text3);text-transform:uppercase;letter-spacing:0.1em;margin-bottom:6px}
.s-val{font-family:'Fraunces',serif;font-size:22px;font-weight:900;color:var(--text)}
.s-sub{font-size:10px;color:var(--text4);margin-top:3px;font-family:'JetBrains Mono',monospace}
.rate-card{background:var(--card);border:1px solid var(--border);border-radius:var(--r);padding:22px 26px;margin-bottom:20px}
.rc-header,.rate-card-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px;flex-wrap:nowrap;gap:10px}
.rc-header h3,.rate-card-header h3{font-family:'Fraunces',serif;font-size:17px;font-weight:700;color:var(--text);flex:1;min-width:0}
@media(max-width:480px){.rc-header,.rate-card-header{flex-wrap:wrap}}
.vpill{font-size:11px;font-weight:600;padding:4px 12px;border-radius:100px;font-family:'JetBrains Mono',monospace;letter-spacing:0.05em;border:1px solid}
.vp-fair{background:var(--safe-bg);color:var(--safe);border-color:var(--safe-border)}
.vp-avg{background:var(--warn-bg);color:var(--warn);border-color:var(--warn-border)}
.vp-high{background:var(--danger-bg);color:var(--danger);border-color:var(--danger-border)}
.rate-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid var(--border);font-size:13px}
.rate-row:last-child{border-bottom:none}
.rl{color:var(--text2)}
.rv{font-weight:600;color:var(--text);font-family:'JetBrains Mono',monospace}
.rv-good{color:var(--safe)}.rv-warn{color:var(--warn)}.rv-bad{color:var(--danger)}
.body-p{font-size:15px;line-height:1.8;color:var(--text2);margin-bottom:18px}
.body-h2{font-family:'Fraunces',serif;font-size:18px;font-weight:700;color:var(--text);margin:28px 0 10px;letter-spacing:-0.02em}
.tip-box{background:rgba(255,184,0,0.04);border:1px solid rgba(255,184,0,0.15);border-radius:var(--r);padding:18px 22px;margin-bottom:20px}
.tip-box h4{font-family:'Fraunces',serif;font-size:14px;font-weight:700;color:var(--warn);margin-bottom:10px}
.tip-box ul{padding-left:18px}
.tip-box li{font-size:13px;color:var(--text2);line-height:1.7;margin-bottom:4px}
.cta-box{background:var(--card);border:1px solid var(--safe-border);border-radius:var(--r);padding:26px 30px;text-align:center;margin:24px 0;position:relative;overflow:hidden}
.cta-box::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:var(--safe);opacity:0.6}
.cta-box h3{font-family:'Fraunces',serif;font-size:17px;font-weight:700;color:var(--text);margin-bottom:5px}
.cta-box p{font-size:12px;color:var(--text3);margin-bottom:14px;font-family:'JetBrains Mono',monospace;letter-spacing:0.03em}
.cta-box a{display:inline-block;background:var(--safe);color:#0D0D14;font-family:'Fraunces',serif;font-weight:700;font-style:italic;font-size:14px;padding:11px 22px;border-radius:10px;text-decoration:none;transition:all 0.15s;margin:3px}
.cta-box a:hover{filter:brightness(1.05);transform:translateY(-2px)}
.cta-box a.sec{background:var(--card2);color:var(--text);border:1px solid var(--border2);font-style:normal;font-family:'DM Sans',sans-serif;font-size:13px}
.other-lenders{display:flex;gap:8px;flex-wrap:wrap;margin-top:20px}
.other-lenders a{display:inline-block;background:var(--card);border:1px solid var(--border2);border-radius:10px;padding:8px 14px;font-size:12px;font-weight:500;color:var(--text2);text-decoration:none;transition:all 0.15s}
.other-lenders a:hover{border-color:var(--border3);color:var(--text);background:var(--surface2)}
.other-tools{display:flex;gap:8px;flex-wrap:wrap;margin-top:16px}
.other-tools a{display:inline-block;background:var(--card);border:1px solid var(--border2);border-radius:10px;padding:9px 14px;font-size:12px;font-weight:500;color:var(--text2);text-decoration:none;transition:all 0.15s}
.other-tools a:hover{border-color:var(--border3);color:var(--text);background:var(--surface2)}
.warning-box{background:var(--danger-bg);border:1px solid var(--danger-border);border-radius:var(--r-sm);padding:14px 18px;margin-bottom:20px;font-size:13px;color:var(--text2);line-height:1.65}
.warning-box strong{color:var(--danger)}
.faq-section{margin-top:32px;border-top:1px solid var(--border);padding-top:24px}
.faq-item{padding:18px 0;border-bottom:1px solid var(--border)}
.faq-item:last-child{border-bottom:none}
.faq-item h3{font-family:'Fraunces',serif;font-size:15px;font-weight:700;color:var(--text);margin-bottom:8px;letter-spacing:-0.01em;line-height:1.3}
.faq-item p{font-size:13px;color:var(--text2);line-height:1.75}
/* ── Enhanced lender sections ── */
.lender-extra{max-width:700px;margin:40px auto 0;padding:0 20px}
.lender-block{margin-bottom:36px}
.lender-block h2{font-family:'Fraunces',serif;font-size:20px;font-weight:700;color:var(--text);margin:0 0 10px;letter-spacing:-0.02em;line-height:1.2}
.lender-block h3{font-family:'Fraunces',serif;font-size:15px;font-weight:700;color:var(--text2);margin:20px 0 8px;letter-spacing:-0.01em}
.lender-block p{font-size:14px;line-height:1.85;color:var(--text2);margin:0 0 10px}
.lender-block p:last-child{margin-bottom:0}
.lender-charges{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:8px}
.lender-charges li{font-size:13px;line-height:1.75;color:var(--text2);padding:10px 14px;background:var(--card);border:1px solid var(--border);border-radius:10px;padding-left:36px;position:relative}
.lender-charges li::before{content:'⚠';position:absolute;left:12px;top:10px;font-size:12px;opacity:0.6}
.lender-meta{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:4px}
@media(max-width:520px){.lender-meta{grid-template-columns:1fr}}
.lender-meta-card{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:14px 16px}
.lender-meta-label{font-family:'JetBrains Mono',monospace;font-size:9px;text-transform:uppercase;letter-spacing:0.12em;color:var(--text3);margin-bottom:6px}
.lender-meta-value{font-size:13px;color:var(--text2);line-height:1.6}
.lender-scenario{background:var(--card);border:1px solid var(--border2);border-radius:var(--r);padding:22px 24px;position:relative;overflow:hidden}
.lender-scenario::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:var(--gold);opacity:0.5}
.lender-scenario h2{font-family:'Fraunces',serif;font-size:16px;font-weight:700;color:var(--gold);margin:0 0 10px;letter-spacing:-0.01em}
.lender-scenario p{font-size:13px;line-height:1.8;color:var(--text2);margin:0;font-style:italic}