*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;color:#16305e;background:#fff;line-height:1.65}
img{max-width:100%;height:auto;display:block}a{color:#1d4ed8}
.skip{position:absolute;left:-9999px;top:0;background:#1d4ed8;color:#fff;padding:10px 16px;z-index:2147483001;border-radius:0 0 8px 0}.skip:focus{left:0}
.site-nav{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:#fff;border-bottom:1px solid #e3eaf6;box-shadow:0 1px 10px rgba(22,48,94,.06)}
.nav-in{max-width:1200px;margin:0 auto;display:flex;align-items:center;gap:6px;padding:0 20px;min-height:66px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:19px;color:#16305e;text-decoration:none;margin-right:14px}
.brand img{width:34px;height:34px}
.nav-links{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}
.nav-links>li{position:relative}
.nav-links a{display:block;padding:22px 13px;color:#16305e;text-decoration:none;font-weight:600;font-size:15px}
.nav-links>li>a:hover,.nav-links>li>a:focus{color:#1d4ed8}
.spacer{flex:1 1 auto;min-width:40px}
.btn-apply{background:#1d4ed8;color:#fff!important;border-radius:10px;padding:12px 26px!important;font-weight:700;min-height:44px;display:inline-flex;align-items:center}
.btn-apply:hover{background:#16305e}
.dd{position:absolute;left:0;top:100%;margin:0;min-width:248px;background:#fff;border:1px solid #e3eaf6;border-radius:0 0 12px 12px;box-shadow:0 14px 34px rgba(22,48,94,.14);padding:8px 0;list-style:none;visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:5}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.dd a{padding:11px 18px;font-weight:500;font-size:14.5px;min-height:44px;display:flex;align-items:center}
.dd a:hover{background:#e8f0fe;color:#1d4ed8}
.caret{font-size:10px;margin-left:4px}
.nav-burger{display:none;margin-left:auto;background:none;border:1px solid #d7e2f4;border-radius:8px;width:44px;height:44px;font-size:20px;color:#16305e;cursor:pointer}
h1,h2,h3{text-wrap:balance}
.hero{display:grid;grid-template-columns:1fr 1fr;min-height:540px;background:#fff}
.hero-text{display:flex;flex-direction:column;justify-content:center;align-items:center;padding:56px 32px}
.hero-text>*{width:100%;max-width:540px}
.hero-media{position:relative;min-height:540px}
.hero-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 20%}
.hero h1{font-size:clamp(30px,3.4vw,44px);line-height:1.18;margin:0 0 10px}
.updated{color:#5a6b8c;font-size:13.5px;margin:0 0 16px}
.hero p.lede{font-size:17px;color:#33497a;margin:0 0 22px}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 26px;border-radius:10px;font-weight:700;text-decoration:none}
.btn-primary{background:#1d4ed8;color:#fff}.btn-primary:hover{background:#16305e}
.btn-ghost{border:2px solid #1d4ed8;color:#1d4ed8;background:#fff}
@media(max-width:860px){.hero{grid-template-columns:1fr}.hero-media{order:-1;min-height:300px}.hero-text{padding:30px 20px}}
@media(max-width:980px){.nav-links a{padding:22px 9px;font-size:14px}}
@media(max-width:760px){
 .nav-burger{display:block}
 .nav-links{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;border-bottom:1px solid #e3eaf6;padding:8px 0 14px;box-shadow:0 18px 30px rgba(22,48,94,.12)}
 .nav-wrap.open .nav-links{display:flex}
 .nav-links a{padding:13px 22px;min-height:44px}
 .spacer{display:none}
 .dd{position:static;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;border-left:3px solid #e8f0fe;margin:0 0 0 22px;display:none;min-width:0}
 .dd::before{display:none}
 .has-dd.open>.dd{display:block}
 .btn-apply{margin:8px 22px}
}

.wrap{max-width:1200px;margin:0 auto;padding:0 20px}
.crumbs{font-size:13.5px;color:#5a6b8c;padding:14px 0}
.crumbs a{color:#5a6b8c;text-decoration:none}.crumbs a:hover{color:#1d4ed8}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 332px;gap:38px;align-items:start;padding-bottom:56px}
article{min-width:0}
article h2{font-size:26px;margin:40px 0 12px;color:#16305e}
article h3{font-size:19px;margin:26px 0 8px}
article p{margin:0 0 15px;color:#2c3e66}
article ul,article ol{color:#2c3e66;margin:0 0 15px;padding-left:24px}
article li{margin:4px 0}
.answer-lead{font-size:16.5px;color:#16305e}
.body-img{width:min(560px,100%);margin:26px auto;border-radius:14px;box-shadow:0 10px 26px rgba(22,48,94,.14)}
.toc{background:#f3f6fb;border:1px solid #e3eaf6;border-radius:12px;padding:18px 22px;margin:22px 0}
.toc p{font-weight:700;margin:0 0 8px;color:#16305e}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:28px}
.toc li{font-size:14.5px;margin:3px 0;break-inside:avoid}
@media(max-width:700px){.toc ol{columns:1}}
table{width:100%;border-collapse:collapse;margin:18px 0;font-size:14.5px}
.tbl-wrap{overflow-x:auto;margin:18px 0}
th,td{border:1px solid #dde6f5;padding:10px 12px;text-align:left;vertical-align:top}
th{background:#e8f0fe;color:#16305e}
tbody tr:nth-child(even){background:#f7fafd}
.cards{display:grid;gap:20px;margin:22px 0}
.cards.c3{grid-template-columns:repeat(3,1fr)}
.cards.c2{grid-template-columns:repeat(2,1fr)}
.cards.c6{grid-template-columns:repeat(6,1fr)}
@media(max-width:980px){.cards.c3{grid-template-columns:repeat(3,1fr)}.cards.c6{grid-template-columns:repeat(3,1fr)}}
@media(max-width:700px){.cards.c3,.cards.c2{grid-template-columns:1fr}.cards.c6{grid-template-columns:repeat(2,1fr)}}
.card{background:#fff;border:1px solid #e3eaf6;border-radius:14px;overflow:hidden;box-shadow:0 6px 18px rgba(22,48,94,.07);display:flex;flex-direction:column}
.card img{aspect-ratio:3/4;object-fit:cover;width:100%}
.card .pad{padding:16px 18px;display:flex;flex-direction:column;gap:6px;flex:1}
.card h3,.card .h{margin:0;font-size:17px;color:#16305e;font-weight:700}
.card p{margin:0;font-size:14px;color:#44598a}
.card a.cover{color:inherit;text-decoration:none}
.amount-card .pad{align-items:center;text-align:center}
.amount-card .amt{font-size:24px;font-weight:800;color:#1d4ed8}
.term-card{border-top:4px solid #1d4ed8}
.minifaq{margin-top:34px}
.minifaq h3{margin:18px 0 6px}
.cta-zone{background:linear-gradient(135deg,#16305e,#1d4ed8);color:#fff;border-radius:18px;padding:40px 30px;text-align:center;margin:30px 0 46px}
.cta-zone h2{color:#fff;margin:0 0 10px;font-size:28px}
.cta-zone p{color:#dbe7ff;max-width:640px;margin:0 auto 20px}
.cta-zone .btn-primary{background:#fff;color:#1d4ed8}
.cta-zone .btn-primary:hover{background:#e8f0fe;color:#16305e}
/* sidebar */
.sidebar{display:flex;flex-direction:column;gap:18px}
.sbox{background:#fff;border:1px solid #e3eaf6;border-radius:14px;padding:18px 20px;box-shadow:0 5px 16px rgba(22,48,94,.06)}
.sbox .sb-h{font-weight:800;color:#16305e;margin:0 0 10px;font-size:15.5px;letter-spacing:.2px}
.sbox p{margin:0 0 8px;font-size:14px;color:#44598a}
.sbox ul{margin:0;padding-left:18px;font-size:14px;color:#44598a}
.sbox li{margin:5px 0}
.sbox table{font-size:13px;margin:6px 0 0}
.sbox th,.sbox td{padding:6px 8px}
.sbox.cta-box{background:linear-gradient(150deg,#1d4ed8,#16305e);border:0}
.sbox.cta-box .sb-h,.sbox.cta-box p{color:#fff}
.sbox.cta-box .btn{width:100%;background:#fff;color:#1d4ed8}
.sbox .stars{color:#f5a623;font-size:18px;letter-spacing:2px}
.sb-sticky{position:sticky;top:86px}
@media(max-width:1020px){.layout{grid-template-columns:1fr}.sidebar .box-x{display:none}.sb-sticky{position:static}}
/* form card */
.form-shell{background:#f3f6fb;padding:46px 0 60px}
.form-card{position:relative;max-width:1020px;margin:0 auto;background:#fff;border-radius:16px;box-shadow:0 8px 28px rgba(22,48,94,.14);padding:34px 30px 26px;overflow:hidden}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,#1d4ed8,#60a5fa)}
.form-card .f-h{font-size:22px;font-weight:800;color:#16305e;margin:0 0 4px;text-align:center}
.form-card .f-sub{font-size:14px;color:#5a6b8c;margin:0 0 18px;text-align:center}
.form-embed{position:relative;z-index:1;isolation:isolate}
@media(max-width:700px){.form-card{border-radius:12px;padding:22px 14px 16px;margin:0 16px}}
/* review */
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:24px 0}
@media(max-width:980px){.rev-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.rev-grid{grid-template-columns:1fr}}
.rev{background:#fff;border:1px solid #e3eaf6;border-radius:12px;padding:16px 18px}
.rev .who{font-weight:700;font-size:14px;color:#16305e}
.rev .st{color:#f5a623;letter-spacing:2px;font-size:14px}
.rev p{font-size:13.5px;margin:8px 0 0;color:#44598a}
/* blog */
.post-meta{color:#5a6b8c;font-size:13.5px;margin:0 0 18px}
.share{display:flex;gap:10px;margin:26px 0}
.share a{border:1px solid #d7e2f4;border-radius:9px;padding:9px 16px;font-size:13.5px;text-decoration:none;color:#16305e;font-weight:600;min-height:44px;display:inline-flex;align-items:center}
.share a:hover{background:#e8f0fe}
.author-box{background:#f3f6fb;border-radius:12px;padding:16px 20px;margin:26px 0;font-size:14px;color:#44598a}
.author-box b{color:#16305e}
/* calculator */
.calc{background:#fff;border:1px solid #e3eaf6;border-radius:16px;padding:26px;box-shadow:0 8px 24px rgba(22,48,94,.08);margin:22px 0}
.calc label{display:block;font-weight:700;font-size:14px;margin:14px 0 6px;color:#16305e}
.calc input[type=range]{width:100%}
.calc select,.calc output{font-size:15px}
.calc .big{font-size:34px;font-weight:800;color:#1d4ed8}
.calc .note{font-size:12.5px;color:#5a6b8c}
.calc .vals{display:flex;justify-content:space-between;font-size:13px;color:#5a6b8c}
/* glossary */
.glos dt{font-weight:800;color:#16305e;margin-top:18px;font-size:16.5px}
.glos dd{margin:4px 0 0 0;color:#2c3e66}
/* footer */
footer{background:#16305e;color:#c9d7f2;margin-top:10px}
.foot-in{max-width:1200px;margin:0 auto;padding:46px 20px 26px;display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px}
footer .f-h{color:#fff;font-weight:800;margin:0 0 10px;font-size:15px}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin:7px 0}
footer a{color:#c9d7f2;text-decoration:none;font-size:14px}
footer a:hover{color:#fff}
.f-disc{font-size:12.5px;line-height:1.7;color:#9fb3dd}
.f-bottom{border-top:1px solid #27447e;margin-top:26px;padding:18px 20px;text-align:center;font-size:13px;color:#9fb3dd}
@media(max-width:900px){.foot-in{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.foot-in{grid-template-columns:1fr}}
#toTop{position:fixed;right:18px;bottom:18px;width:46px;height:46px;border-radius:50%;background:#1d4ed8;color:#fff;border:0;font-size:19px;cursor:pointer;box-shadow:0 8px 20px rgba(22,48,94,.3);opacity:0;visibility:hidden;transition:opacity .2s;z-index:2147482000}
#toTop.show{opacity:1;visibility:visible}
a:focus-visible,button:focus-visible{outline:3px solid #60a5fa;outline-offset:2px}
.trust-wrap{max-width:860px;margin:0 auto;padding:0 20px 56px}
.trust-wrap h2{font-size:25px;margin:34px 0 10px;color:#16305e}
.trust-wrap p,.trust-wrap li{color:#2c3e66}