:root{
  --ivory:#F7F4EE;--ink:#151515;--body:#4A4640;--muted:#5E5A55;--bronze:#7A6248;
  --sand:#EDE7DD;--line:#D5CDC1;--gold:#B08D57;--card:#FFFFFF;
  --serif:'Cormorant Garamond',Georgia,'Times New Roman',serif;
  --sans:'Jost',system-ui,-apple-system,'Segoe UI',sans-serif;
  --gutter:clamp(20px,5vw,72px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:24px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--ivory);color:var(--ink);font-family:var(--sans);font-weight:300;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
a:hover{color:var(--bronze)}
:focus-visible{outline:2px solid var(--bronze);outline-offset:3px}
.skip{position:absolute;left:-9999px;top:0;background:var(--ink);color:var(--ivory);padding:12px 18px;z-index:100}
.skip:focus{left:12px;top:12px}
.wrap{max-width:1440px;margin:0 auto;padding:0 var(--gutter)}
h1,h2,h3{font-family:var(--serif);font-weight:400;margin:0;line-height:1.05}
em.i{font-style:italic}
.label{display:block;font-size:13px;font-weight:400;letter-spacing:.3em;text-transform:uppercase;color:var(--bronze)}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:56px;padding:0 32px;font:500 13px/1.2 var(--sans);letter-spacing:.2em;text-transform:uppercase;text-decoration:none;border:1px solid currentColor;background:transparent;color:inherit;cursor:pointer;text-align:center}
.btn-dark{background:var(--ink);color:var(--ivory);border-color:var(--ink)}
.btn-dark:hover{background:#2c2a27;color:var(--ivory)}
.btn-light{background:var(--ivory);color:var(--ink);border-color:var(--ivory)}
.btn-light:hover{background:#fff;color:var(--ink)}
.btn-ghost-light{color:#fff;border-color:rgba(255,255,255,.7)}
.btn-ghost-light:hover{color:#fff;background:rgba(255,255,255,.1)}
.btn-row{display:flex;gap:16px;flex-wrap:wrap}
.link{font-size:13px;font-weight:500;letter-spacing:.2em;text-transform:uppercase;text-decoration:none;border-bottom:1px solid currentColor;padding-bottom:4px}
.stars{display:inline-flex;gap:3px;color:var(--gold)}
.stars svg{width:var(--s,14px);height:var(--s,14px);fill:currentColor}
.site-header{position:absolute;top:0;left:0;right:0;z-index:20;color:#fff;border-bottom:1px solid rgba(255,255,255,.18)}
.site-header.solid{position:relative;color:var(--ink);background:var(--ivory);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:100px;position:relative}
.brand{font-family:var(--serif);font-size:24px;font-weight:500;letter-spacing:.22em;text-decoration:none;white-space:nowrap}
.brand:hover{color:inherit}
.nav{display:flex;align-items:center;gap:40px;font-size:13px;font-weight:400;letter-spacing:.18em;text-transform:uppercase}
.nav a{text-decoration:none}
.nav a:hover{color:inherit;opacity:.7}
.nav .phone{padding:14px 22px;border:1px solid currentColor;white-space:nowrap}
.menu-btn{display:none;width:48px;height:48px;border:0;background:transparent;color:inherit;align-items:center;justify-content:center;cursor:pointer;padding:0}
.menu-btn svg{width:26px;height:26px}
@media (max-width:1000px){
  .site-header .wrap{height:80px}
  .brand{font-size:19px;letter-spacing:.2em}
  .menu-btn{display:flex}
  .nav{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:flex-start;gap:26px;padding:32px var(--gutter) 40px;background:var(--ink);color:var(--ivory)}
  .nav.open{display:flex}
}
.hero{position:relative;min-height:min(100vh,940px);display:flex;align-items:flex-end;color:#fff;background:#2A2622 center/cover no-repeat}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(12,11,10,.55) 0%,rgba(12,11,10,.2) 38%,rgba(12,11,10,.72) 100%)}
.hero .wrap{position:relative;width:100%;padding-top:150px;padding-bottom:clamp(56px,9vw,120px)}
.hero-badge{display:inline-flex;align-items:center;gap:12px;padding:10px 18px;border:1px solid rgba(255,255,255,.35);text-decoration:none;font-size:13px;letter-spacing:.2em;text-transform:uppercase}
.hero-badge:hover{color:#fff;background:rgba(255,255,255,.08)}
.hero-badge .stars{color:#D9B77E}
.hero .kicker{display:block;margin-top:28px;font-size:13px;letter-spacing:.3em;text-transform:uppercase}
.hero h1{font-size:clamp(54px,8.2vw,116px);line-height:.98;max-width:1020px;margin:24px 0 40px;letter-spacing:-.01em}
.hero-row{display:flex;justify-content:space-between;align-items:flex-end;gap:32px;flex-wrap:wrap}
.hero-row p{margin:0;max-width:470px;font-size:19px;color:#E8E2D9}
.section{padding:clamp(88px,11vw,150px) 0}
.center{text-align:center}
.statement{font-family:var(--serif);font-size:clamp(30px,3.7vw,52px);line-height:1.2;max-width:1000px;margin:28px auto 0}
.why{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:40px;margin-top:72px;text-align:left}
.rule-item{border-top:1px solid var(--ink);padding-top:24px}
.rule-item h3{font-size:28px;font-weight:500;margin-bottom:10px;line-height:1.1}
.rule-item p{margin:0;color:var(--body);font-size:15px}
.services{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:56px}
.services .rule-item{padding-top:32px}
.services .num{font-family:var(--serif);font-style:italic;font-size:22px;color:var(--bronze)}
.services h3{font-size:42px;margin:12px 0 14px;font-weight:400}
.services p{font-size:17px;margin:0 0 22px}
@media (max-width:900px){.why{grid-template-columns:repeat(2,minmax(0,1fr));gap:32px 24px}.services{grid-template-columns:1fr;gap:40px}}
@media (max-width:420px){.rule-item h3{font-size:23px}}
.split{display:grid;grid-template-columns:minmax(0,11fr) minmax(0,9fr);min-height:720px}
.split-img{background:var(--sand) center/cover no-repeat;min-height:420px}
.split-body{padding:clamp(56px,7vw,96px) var(--gutter);display:flex;flex-direction:column;justify-content:center;gap:30px}
.split-body h2{font-size:clamp(46px,5.2vw,74px)}
.lines{list-style:none;padding:0;margin:0;font-size:15px;font-weight:400;letter-spacing:.18em;text-transform:uppercase}
.lines li{padding:18px 0;border-bottom:1px solid var(--line)}
.lines li small{display:block;margin-top:6px;font-size:15px;letter-spacing:0;text-transform:none;color:var(--body);font-weight:300}
@media (max-width:900px){.split{grid-template-columns:1fr;min-height:0}}
.about{display:grid;grid-template-columns:minmax(0,520px) minmax(0,1fr);gap:clamp(48px,8vw,120px);align-items:center}
.portrait{aspect-ratio:13/16;background:var(--sand) center/cover no-repeat}
.about-body{display:flex;flex-direction:column;gap:28px;max-width:580px}
.about-body h2{font-size:clamp(46px,5.2vw,74px)}
.about-body p{margin:0;font-size:18px;line-height:1.75;color:var(--body)}
@media (max-width:900px){.about{grid-template-columns:1fr}.portrait{max-height:560px;aspect-ratio:auto;height:120vw}}
.reviews-top{display:grid;grid-template-columns:380px minmax(0,1fr);gap:72px;align-items:end;margin-bottom:80px}
.rating{display:flex;flex-direction:column;gap:18px}
.rating .big{font-family:var(--serif);font-size:170px;line-height:.82}
.rating .stars{--s:26px;gap:6px}
.rating .count{font-size:14px;letter-spacing:.2em;text-transform:uppercase;color:var(--body)}
.featured{margin:0;border-left:1px solid var(--line);padding-left:72px}
.featured blockquote{margin:0 0 26px;font:italic 400 clamp(32px,3.8vw,54px)/1.15 var(--serif)}
.featured figcaption{font-size:13px;letter-spacing:.3em;text-transform:uppercase;color:var(--body)}
.review-grid{columns:3 300px;column-gap:28px}
.review{break-inside:avoid;background:var(--card);border:1px solid #E4DDD2;padding:34px;margin:0 0 28px;display:flex;flex-direction:column;gap:20px}
.review p{margin:0;font-family:var(--serif);font-size:22px;line-height:1.45}
.reviewer{display:flex;align-items:center;gap:12px}
.avatar{width:38px;height:38px;flex-shrink:0;border-radius:50%;background:var(--sand);display:grid;place-items:center;font-family:var(--serif);font-size:18px}
.reviewer strong{display:block;font-weight:500;font-size:14px;letter-spacing:.03em}
.reviewer span{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--muted)}
.reviews-links{display:flex;justify-content:center;gap:48px;flex-wrap:wrap;margin-top:40px}
.swipe{display:none;text-align:center;font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted);margin-top:8px}
@media (max-width:900px){
  .reviews-top{grid-template-columns:1fr;gap:40px;text-align:center;margin-bottom:40px}
  .rating{align-items:center}.rating .big{font-size:120px}
  .featured{border-left:0;padding:28px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
}
@media (max-width:700px){
  .review-grid{columns:auto;display:flex;gap:14px;overflow-x:auto;scroll-snap-type:x mandatory;margin:0 calc(-1*var(--gutter));padding:0 var(--gutter) 14px}
  .review{flex:0 0 84%;margin:0;scroll-snap-align:start;padding:26px}
  .review p{font-size:20px}
  .swipe{display:block}
}
.areas{display:grid;grid-template-columns:400px minmax(0,1fr);gap:96px;border-top:1px solid var(--line)}
.areas h2{font-size:clamp(40px,4vw,56px);margin-top:22px}
.counties{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:56px 48px}
.county h3{font-style:italic;font-size:28px;margin-bottom:14px}
.county ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:4px 22px;font-size:16px;letter-spacing:.06em;color:var(--body)}
.county li{line-height:2}
.county a{text-decoration:none;border-bottom:1px solid var(--line)}
.county a:hover{border-color:var(--bronze)}
@media (max-width:1100px){.areas{grid-template-columns:1fr;gap:40px}}@media (max-width:900px){.counties{grid-template-columns:repeat(2,minmax(0,1fr));gap:36px 28px}}@media (max-width:560px){.counties{grid-template-columns:1fr;gap:32px}}
.valuation{background:var(--sand)}
.valuation h2{font-size:clamp(42px,5.2vw,74px);margin-top:20px}
.val-form{display:grid;grid-template-columns:repeat(4,minmax(0,1fr)) 220px;gap:20px;align-items:end;max-width:1120px;margin:48px auto 0;text-align:left}
.field label{display:block;font-size:12px;font-weight:500;letter-spacing:.2em;text-transform:uppercase;margin-bottom:8px}
.field input{width:100%;height:52px;border:0;border-bottom:1px solid var(--ink);border-radius:0;background:transparent;font:400 16px var(--sans);color:var(--ink);padding:0 4px}
.field input:focus{outline:none;border-bottom:2px solid var(--bronze)}
.form-note{margin:22px auto 0;font-size:14px;color:var(--muted);text-align:center}
@media (max-width:900px){.val-form{grid-template-columns:1fr;gap:18px}}
.es-strip{padding:44px 0;border-bottom:1px solid var(--line);text-align:center}
.es-strip .wrap{display:flex;justify-content:center;align-items:center;gap:24px;flex-wrap:wrap}
.es-strip span{font-family:var(--serif);font-style:italic;font-size:28px}
.site-footer{padding:80px 0 44px}
.foot-top{display:grid;grid-template-columns:minmax(0,1.3fr) repeat(3,minmax(0,1fr));gap:48px}
.foot-brand .brand{font-size:24px}
.foot-brand p{margin:12px 0 0;font-size:13px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted)}
.site-footer h4{margin:0 0 14px;font-size:12px;font-weight:500;letter-spacing:.2em;text-transform:uppercase}
.site-footer ul{list-style:none;margin:0;padding:0;font-size:15px;line-height:1.95;color:var(--body)}
.site-footer ul a{text-decoration:none}
.foot-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-top:64px;padding-top:24px;border-top:1px solid var(--line);font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted)}
@media (max-width:900px){.foot-top{grid-template-columns:1fr 1fr}.foot-brand{grid-column:1/-1}}
@media (max-width:520px){.foot-top{grid-template-columns:1fr}}
.page-head{padding:clamp(72px,9vw,128px) 0 clamp(56px,7vw,88px);border-bottom:1px solid var(--line)}
.page-head h1{font-size:clamp(46px,6.8vw,96px);max-width:1080px;margin-top:22px}
.page-head .lede{margin:30px 0 0;max-width:660px;font-size:clamp(18px,1.6vw,21px);line-height:1.65;color:var(--body)}
.page-head .btn-row{margin-top:40px}
.two-col{display:grid;grid-template-columns:minmax(0,380px) minmax(0,1fr);gap:clamp(40px,8vw,120px)}
.two-col > h2{font-size:clamp(36px,3.8vw,52px)}
.prose{max-width:720px}
.prose p{margin:0 0 22px;font-size:18px;line-height:1.8;color:var(--body)}
.prose p:last-child{margin-bottom:0}
@media (max-width:900px){.two-col{grid-template-columns:1fr}}
.steps{list-style:none;counter-reset:s;padding:0;margin:0}
.steps li{counter-increment:s;display:grid;grid-template-columns:64px minmax(0,1fr);gap:24px;padding:32px 0;border-top:1px solid var(--line)}
.steps li:last-child{border-bottom:1px solid var(--line)}
.steps li::before{content:counter(s,decimal-leading-zero);font-family:var(--serif);font-style:italic;font-size:26px;color:var(--bronze);line-height:1.2}
.steps h3{font-size:30px;margin-bottom:10px}
.steps p{margin:0;font-size:17px;line-height:1.75;color:var(--body)}
.contact-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:48px}
.contact-grid .rule-item p{font-size:19px;color:var(--ink)}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr;gap:32px}}
.cta-band{background:var(--ink);color:var(--ivory);padding:clamp(80px,10vw,130px) 0;text-align:center}
.cta-band h2{font-size:clamp(40px,5vw,72px);max-width:900px;margin:0 auto 22px}
.cta-band p{margin:0 auto 40px;max-width:560px;color:#CFC7BB;font-size:18px}
.cta-band .btn-row{justify-content:center}
.mini-reviews{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;align-items:start}
.mini-reviews .review{margin:0}
@media (max-width:900px){.mini-reviews{grid-template-columns:1fr}}
.section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;margin-bottom:48px}
.section-head h2{font-size:clamp(38px,4vw,56px);margin-top:18px}
.band{background:var(--sand)}
/* Plain hero with photo band */
.hero-plain{padding-top:clamp(56px,8vw,120px)}
.hero-plain-row{display:flex;justify-content:space-between;align-items:flex-end;gap:32px 48px;flex-wrap:wrap;padding-bottom:clamp(36px,4vw,56px)}
.hero-plain h1{font-size:clamp(54px,8vw,116px);line-height:.95;letter-spacing:-.015em;max-width:900px}
.hero-actions{display:flex;flex-direction:column;gap:14px}
.hero-band{width:100%;height:clamp(300px,48vw,700px);object-fit:cover;object-position:center 45%}
@media (max-width:700px){.hero-actions{width:100%}.hero-band{height:360px;object-position:47% center}}
/* Promo band */
.promo{background:var(--ink);color:var(--ivory)}
.promo .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px 48px;flex-wrap:wrap;padding-top:34px;padding-bottom:34px}
.promo strong{display:block;font-family:var(--serif);font-weight:400;font-size:clamp(28px,2.8vw,40px);line-height:1.1}
.promo small{display:block;margin-top:8px;color:#CFC7BB;font-size:13px;line-height:1.5;max-width:760px}
/* Incentive page */
.rate-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:32px}
.rate-card{background:var(--card);border:1px solid var(--ink);padding:clamp(32px,4vw,56px);display:flex;flex-direction:column;gap:22px}
.rate-card .opt{font-size:13px;letter-spacing:.3em;text-transform:uppercase;color:var(--bronze)}
.rate-card .rate{font-family:var(--serif);font-size:clamp(84px,10vw,140px);line-height:.85}
.rate-card .rate sup{font-size:.35em;vertical-align:top;position:relative;top:.35em;margin-left:2px}
.rate-card h2{font-size:clamp(28px,2.6vw,36px);line-height:1.15}
.rate-card .apr{font-size:15px;color:var(--ink);font-weight:400}
.rows{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}
.rows li{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-bottom:1px solid var(--line);font-size:16px;color:var(--body)}
.rows li b{font-weight:500;color:var(--ink);text-align:right}
.deadline{display:inline-block;margin-top:34px;padding:12px 20px;border:1px solid var(--ink);font-size:13px;letter-spacing:.2em;text-transform:uppercase}
.fine{font-size:12px;line-height:1.65;color:var(--muted);max-width:980px;margin:0}
@media (max-width:900px){.rate-cards{grid-template-columns:1fr}}
.why.three{grid-template-columns:repeat(3,minmax(0,1fr));margin-top:0}
@media (max-width:900px){.why.three{grid-template-columns:1fr;gap:28px}}
/* Mortgage calculator */
.calc{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:clamp(32px,5vw,72px);align-items:start}
.calc-inputs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:26px 28px}
.calc-inputs .full{grid-column:1/-1}
.calc .field input:not([type=range]),.calc .field select{width:100%;height:52px;border:0;border-bottom:1px solid var(--ink);border-radius:0;background:transparent;font:400 18px var(--sans);color:var(--ink);padding:0 4px;-webkit-appearance:none;appearance:none}
.calc .field select{background-image:linear-gradient(45deg,transparent 50%,var(--ink) 50%),linear-gradient(135deg,var(--ink) 50%,transparent 50%);background-position:calc(100% - 14px) 22px,calc(100% - 9px) 22px;background-size:5px 5px;background-repeat:no-repeat}
.calc .field input:focus,.calc .field select:focus{outline:none;border-bottom:2px solid var(--bronze)}
.calc .field .hint{display:block;margin-top:6px;font-size:13px;color:var(--muted)}
.calc input[type=range]{display:block;width:100%;margin:18px 0 0;accent-color:var(--ink);cursor:pointer}
.calc-result{background:var(--ink);color:var(--ivory);padding:clamp(32px,4vw,52px);position:sticky;top:24px}
.calc-result .label{color:#CFB79A}
.calc-total{font-family:var(--serif);font-size:clamp(64px,7vw,96px);line-height:1;margin:14px 0 6px}
.calc-total small{font-family:var(--sans);font-size:16px;letter-spacing:.1em;color:#CFC7BB;margin-left:6px}
.calc-bar{display:flex;height:8px;margin:26px 0 8px;background:#2c2a27}
.calc-bar span{display:block;height:100%}
.calc-rows{list-style:none;margin:0;padding:0}
.calc-rows li{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:13px 0;border-bottom:1px solid #34312d;font-size:15px;color:#E8E2D9}
.calc-rows li b{font-weight:400;color:#fff}
.calc-rows i{display:inline-block;width:10px;height:10px;margin-right:10px}
.calc-meta{margin-top:18px;font-size:14px;color:#CFC7BB}
.calc-result .btn{margin-top:28px;width:100%}
.calc-note{margin-top:24px;font-size:13px;line-height:1.6;color:var(--muted)}
@media (max-width:900px){.calc{grid-template-columns:1fr}.calc-result{position:static}}
@media (max-width:520px){.calc-inputs{grid-template-columns:1fr}}
/* Ways to buy */
.loan-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}
.loan{background:var(--card);border:1px solid #E4DDD2;padding:36px;display:flex;flex-direction:column;gap:14px}
.loan h3{font-size:32px}
.loan .who{font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--bronze)}
.loan p{margin:0;font-size:16px;line-height:1.7;color:var(--body);flex-grow:1}
.loan .link{align-self:flex-start;margin-top:8px}
.scenarios{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 56px}
.scenario{padding:28px 0;border-top:1px solid var(--line)}
.scenario h3{font-size:28px;margin-bottom:8px}
.scenario p{margin:0;font-size:16px;line-height:1.7;color:var(--body)}
.promo-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.promo-card{display:flex;flex-direction:column;justify-content:space-between;gap:28px;min-height:220px;padding:clamp(28px,3.5vw,44px);background:var(--ink);color:var(--ivory);text-decoration:none}
.promo-card:hover{color:var(--ivory);background:#26231f}
.promo-card strong{font-family:var(--serif);font-weight:400;font-size:clamp(28px,2.8vw,40px);line-height:1.12}
.promo-card span{font-size:13px;font-weight:500;letter-spacing:.2em;text-transform:uppercase;border-bottom:1px solid currentColor;align-self:flex-start;padding-bottom:4px}
.lender{display:grid;grid-template-columns:minmax(0,320px) minmax(0,1fr);gap:clamp(32px,6vw,80px);align-items:center}
.lender-photo{aspect-ratio:4/5;background:var(--sand);display:grid;place-items:center;color:var(--muted);font-size:13px;letter-spacing:.12em;text-transform:uppercase;text-align:center;padding:20px}
.lender h2{font-size:clamp(40px,4.5vw,64px)}
.lender .meta{font-size:14px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin:12px 0 22px}
.lender p{font-size:18px;line-height:1.75;color:var(--body);margin:0 0 26px;max-width:620px}
.prequal{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:26px 32px;max-width:980px}
.prequal .full{grid-column:1/-1}
.prequal .field select,.prequal .field textarea{width:100%;border:0;border-bottom:1px solid var(--ink);border-radius:0;background:transparent;font:400 16px var(--sans);color:var(--ink);padding:0 4px;-webkit-appearance:none;appearance:none}
.prequal .field select{height:52px;background-image:linear-gradient(45deg,transparent 50%,var(--ink) 50%),linear-gradient(135deg,var(--ink) 50%,transparent 50%);background-position:calc(100% - 14px) 22px,calc(100% - 9px) 22px;background-size:5px 5px;background-repeat:no-repeat}
.prequal .field textarea{min-height:96px;padding-top:12px;resize:vertical}
.prequal .field select:focus,.prequal .field textarea:focus{outline:none;border-bottom:2px solid var(--bronze)}
.check{display:flex;gap:12px;align-items:flex-start;font-size:15px;line-height:1.6;color:var(--body)}
.check input{width:20px;height:20px;margin-top:3px;accent-color:var(--ink);flex-shrink:0}
.warn{padding:18px 22px;border-left:2px solid var(--bronze);background:var(--card);font-size:15px;line-height:1.6;color:var(--body)}
@media (max-width:900px){.loan-grid,.promo-cards,.scenarios,.lender{grid-template-columns:1fr}.lender-photo{max-width:320px}}
@media (max-width:560px){.prequal{grid-template-columns:1fr}}
/* 5.0 rating emphasis */
.nav-rating{display:inline-flex;align-items:center;gap:8px;white-space:nowrap}
.nav-rating .stars{--s:12px;gap:2px}
.hero-rating{display:inline-flex;align-items:center;gap:12px;margin-top:22px;text-decoration:none;font-size:13px;letter-spacing:.2em;text-transform:uppercase}
.hero-rating .stars{--s:18px;gap:3px}
.hero-rating b{font-weight:500}
.rating-band{background:var(--ink);color:var(--ivory)}
.rating-band .wrap{display:grid;grid-template-columns:auto 1px minmax(0,1fr) auto;gap:clamp(24px,4vw,56px);align-items:center;padding-top:clamp(40px,5vw,64px);padding-bottom:clamp(40px,5vw,64px)}
.rating-band .score{display:flex;align-items:center;gap:22px}
.rating-band .num{font-family:var(--serif);font-size:clamp(72px,8vw,112px);line-height:.85}
.rating-band .stars{--s:24px;gap:5px;color:#D9B77E}
.rating-band .count{display:block;margin-top:10px;font-size:12px;letter-spacing:.24em;text-transform:uppercase;color:#CFC7BB}
.rating-band .sep{height:100%;min-height:90px;background:#34312d}
.rating-band blockquote{margin:0;font:italic 400 clamp(22px,2.2vw,30px)/1.3 var(--serif)}
.rating-band cite{display:block;margin-top:10px;font-style:normal;font-size:12px;letter-spacing:.24em;text-transform:uppercase;color:#CFC7BB}
.rating-band .btn{white-space:nowrap}
.head-rating{display:inline-flex;align-items:center;gap:10px;margin-top:26px;font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--body);text-decoration:none}
.head-rating .stars{--s:15px}
.foot-rating{display:flex;align-items:center;gap:10px;margin-top:18px;font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted)}
.foot-rating .stars{--s:14px}
@media (max-width:1100px){.nav-rating{order:-1}}
@media (max-width:900px){.rating-band .wrap{grid-template-columns:1fr;text-align:center;gap:22px}.rating-band .score{justify-content:center}.rating-band .sep{display:none}.rating-band .btn{justify-self:center}}
.hero-rating{font-size:14px;color:var(--ink)}
.hero-rating .stars{--s:20px}
.hero-rating span{color:var(--body)}
.hero-rating b{color:var(--ink)}