:root{--brand:#F47B20;--brand-deep:#D4621A;--ink:#13212B;--ink-2:#2E3A42;--ink-3:#62707A;
--go:#159A63;--go-soft:#E3F3EB;--paper:#F6F3EE;--card:#FFF;--line:#E2DDD3;--warn:#BF4F2C;
--shadow:0 1px 2px rgba(19,33,43,.05),0 14px 32px -18px rgba(19,33,43,.28);--radius:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink-2);font-family:"Hanken Grotesk",system-ui,sans-serif;font-size:17px;line-height:1.55;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:"Bricolage Grotesque",sans-serif;color:var(--ink);margin:0;line-height:1.08;letter-spacing:-.01em}
a{color:inherit}.wrap{max-width:1040px;margin:0 auto;padding:0 22px}
.eyebrow{font-family:"Space Mono",monospace;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-3)}
.mono{font-family:"Space Mono",monospace}
header.nav{position:sticky;top:0;z-index:50;background:rgba(246,243,238,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
header.nav .wrap{display:flex;align-items:center;gap:24px;height:64px;max-width:1140px}
.brand{display:flex;align-items:center;gap:9px;font-family:"Bricolage Grotesque";font-weight:800;font-size:21px;color:var(--ink);text-decoration:none;letter-spacing:-.03em}
.brand .mark{width:32px;height:28px;border-radius:7px;background:var(--brand);display:flex;align-items:center;justify-content:center;flex:none}
.brand .mark::after{content:"";width:10px;height:10px;border:3px solid #fff;border-radius:3px}
nav.links{display:flex;gap:22px;margin-left:4px}nav.links a{font-size:15px;font-weight:600;color:var(--ink-2);text-decoration:none}
nav.links a:hover{color:var(--brand-deep)}.nav-cta{margin-left:auto}
.btn{font-family:"Hanken Grotesk";font-weight:700;border:none;cursor:pointer;border-radius:11px;font-size:15px;padding:12px 20px;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:transform .12s,background .15s}
.btn-brand{background:var(--brand);color:#fff}.btn-brand:hover{background:var(--brand-deep);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--ink);border:1px solid var(--line)}.btn-ghost:hover{border-color:var(--ink);background:#fff}
.crumb{font-family:"Space Mono",monospace;font-size:12.5px;color:var(--ink-3);padding:20px 0 0}
.crumb a{text-decoration:none}.crumb a:hover{color:var(--brand-deep)}
.badge-v{font-family:"Space Mono",monospace;font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:5px 11px;border-radius:999px;display:inline-block}
.v-rec{background:var(--go-soft);color:#0c6e46}.v-cau{background:#FCEFE0;color:#9a5a17}.v-no{background:#FBE6E0;color:#9b3318}
.badge-tag{font-family:"Space Mono",monospace;font-size:10.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;background:var(--ink);color:#fff;padding:4px 9px;border-radius:999px;display:inline-block}
.stars{color:var(--brand);font-size:14px;letter-spacing:1.5px}
/* lender header */
.lhead{display:flex;gap:18px;align-items:flex-start;margin:18px 0 8px;flex-wrap:wrap}
.llogo{width:64px;height:64px;border-radius:15px;flex:none;display:flex;align-items:center;justify-content:center;font-family:"Bricolage Grotesque";font-weight:800;color:#fff;font-size:24px}
.lhead h1{font-size:clamp(30px,4.5vw,42px);font-weight:800}
.lhead .tagline{font-size:18px;color:var(--ink-2);margin-top:4px;max-width:40ch}
.lhead-meta{display:flex;gap:10px;align-items:center;flex-wrap:wrap;margin-top:10px}
/* quick CTA box */
.qbox{background:var(--card);border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:22px;display:grid;grid-template-columns:1fr 1fr 1fr auto;gap:18px;align-items:center;margin:22px 0 30px}
.qbox .qcell .l{font-family:"Space Mono",monospace;font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-3)}
.qbox .qcell .v{font-family:"Space Mono",monospace;font-weight:700;font-size:18px;color:var(--ink);margin-top:3px}
.qbox .btn-brand{padding:14px 24px;font-size:16px;white-space:nowrap}
.layout{display:grid;grid-template-columns:1fr 320px;gap:34px;align-items:start;padding-bottom:20px}
.prose h2{font-size:24px;font-weight:700;margin:28px 0 12px}
.prose p{margin:0 0 14px;color:var(--ink-2)}
.pc{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:8px 0 6px}
.pc .box{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px}
.pc h3{font-family:"Bricolage Grotesque";font-size:16px;margin:0 0 10px}
.pc ul{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:9px}
.pc li{display:flex;gap:9px;font-size:15px;align-items:flex-start}
.pc li .i{flex:none;width:18px;height:18px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:700;margin-top:2px}
.pc .good .i{background:var(--go-soft);color:#0c6e46}.pc .bad .i{background:#FCEFE0;color:#9a5a17}
.steps3{counter-reset:s;margin:8px 0;padding:0;list-style:none;display:flex;flex-direction:column;gap:12px}
.steps3 li{counter-increment:s;display:flex;gap:13px;align-items:flex-start;font-size:15px}
.steps3 li::before{content:counter(s);flex:none;width:26px;height:26px;border-radius:8px;background:var(--ink);color:#fff;font-family:"Space Mono";font-weight:700;font-size:13px;display:flex;align-items:center;justify-content:center}
/* sidebar ficha */
.aside{position:sticky;top:84px}
.ficha{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);overflow:hidden}
.ficha .fh{background:var(--ink);color:#fff;padding:14px 18px;font-family:"Bricolage Grotesque";font-weight:700;font-size:15px}
.ficha dl{margin:0;padding:6px 18px 14px}
.ficha .row{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-bottom:1px dashed var(--line)}
.ficha .row:last-child{border-bottom:none}
.ficha dt{font-family:"Space Mono",monospace;font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-3)}
.ficha dd{margin:0;font-weight:600;font-size:14px;color:var(--ink);text-align:right;max-width:60%}
.aside .btn-brand{width:100%;justify-content:center;margin-top:14px;padding:14px}
.aside .note{font-family:"Space Mono",monospace;font-size:10.5px;color:var(--ink-3);text-align:center;margin-top:8px}
/* related */
.rel{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:14px}
.rel a{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px;text-decoration:none;display:block;transition:border-color .15s}
.rel a:hover{border-color:var(--brand)}
.rel .rn{font-family:"Bricolage Grotesque";font-weight:700;color:var(--ink);font-size:15px}
.rel .rm{font-family:"Space Mono",monospace;font-size:11px;color:var(--ink-3);margin-top:3px}
/* hub grid */
.hubhead{padding:40px 0 8px}.hubhead h1{font-size:clamp(32px,5vw,48px);font-weight:800;margin-top:8px}
.hubhead p{font-size:19px;color:var(--ink-2);max-width:54ch;margin:14px 0 0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;padding:26px 0 50px}
.lcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;display:flex;flex-direction:column;gap:12px;transition:border-color .15s,box-shadow .15s}
.lcard:hover{border-color:var(--brand);box-shadow:var(--shadow)}
.lcard .top{display:flex;gap:12px;align-items:center}
.lcard .ci{width:46px;height:46px;border-radius:11px;flex:none;display:flex;align-items:center;justify-content:center;font-family:"Bricolage Grotesque";font-weight:800;color:#fff;font-size:18px}
.lcard .nm{font-family:"Bricolage Grotesque";font-weight:700;font-size:18px;color:var(--ink)}
.lcard .tg{font-size:13.5px;color:var(--ink-2);flex:1}
.lcard .facts{display:flex;gap:8px;flex-wrap:wrap}
.lcard .fct{font-family:"Space Mono",monospace;font-size:11px;background:var(--paper);border:1px solid var(--line);border-radius:7px;padding:4px 8px;color:var(--ink-2)}
.lcard .acts{display:flex;gap:8px;margin-top:2px}
.lcard .acts a{flex:1;text-align:center;font-size:14px;padding:10px;border-radius:10px;text-decoration:none;font-weight:700}
.lcard .acts .rev{border:1px solid var(--line);color:var(--ink)}
.lcard .acts .rev:hover{border-color:var(--ink)}
.lcard .acts .app{background:var(--brand);color:#fff}.lcard .acts .app:hover{background:var(--brand-deep)}
/* footer + disclaimer */
.disc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px;font-size:13px;color:var(--ink-3);margin:26px 0}
footer{background:var(--ink);color:#9FAEB6;padding:40px 0 28px;font-size:14px;margin-top:10px}
footer .wrap{max-width:1140px}
footer a{color:#BAC7CE;text-decoration:none}footer a:hover{color:#fff}
footer .fl{display:flex;gap:22px;flex-wrap:wrap;margin-bottom:16px}
footer .lg{font-size:12px;line-height:1.7;color:#86949C;border-top:1px solid rgba(255,255,255,.1);padding-top:16px}
@media (max-width:860px){.layout{grid-template-columns:1fr}.aside{position:static}.qbox{grid-template-columns:1fr 1fr}.grid,.rel{grid-template-columns:1fr 1fr}.pc{grid-template-columns:1fr}nav.links{display:none}}
@media (max-width:560px){.grid,.rel,.qbox{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto}}
:focus-visible{outline:3px solid var(--brand);outline-offset:2px;border-radius:6px}