/* ============================================================
   C1 CAR LOANS — redesign
   Single committed brand world (no viewer-theme swap): this is a
   website mockup and must read identically for every viewer.
   Every colour is painted explicitly from a token.
   ============================================================ */
:root{
  /* Lifted one stop on 13 Sep 2026: the first cut read too dark. Every
     on-forest pairing was re-measured; the lowest is on-forest-2 on 700 at 5.2:1. */
  --forest-900:#0A211A;
  --forest-800:#12352B;
  --forest-700:#184A3B;
  --forest-600:#1F5E4C;
  --forest-line:rgba(26,229,190,.16);

  --mint:#1AE5BE;
  --mint-dim:#12B396;
  --mint-ink:#0A6B57;

  --lime:#C8F24C;
  --lime-deep:#A8D62E;

  --bone:#F3F3EC;
  --bone-2:#E7E7DC;
  --paper:#FFFFFF;

  --ink:#10201B;
  --ink-2:#4A5A53;
  --ink-3:#5F6E67;

  --on-forest:#EAF3EF;
  --on-forest-2:#A9BFB6;

  --r-sm:12px;
  --r-md:18px;
  --r-lg:26px;
  --r-xl:34px;

  --wrap:1200px;
  --gutter:clamp(20px,5vw,48px);

  --display:"Archivo","Arial Narrow",Helvetica,sans-serif;
  --body:"Figtree","Helvetica Neue",Arial,sans-serif;
  --mono:"Figtree","Helvetica Neue",Arial,sans-serif; /* monospace removed site wide */
}

*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;
  background:var(--bone);
  color:var(--ink);
  font-family:var(--body);
  font-size:17px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button,input,textarea{font:inherit;color:inherit}
:focus-visible{outline:3px solid var(--mint);outline-offset:3px;border-radius:6px}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
}

/* ---------- type ---------- */
.h-xl,.h-lg,.h-md{
  font-family:var(--display);
  font-weight:900;
  font-stretch:82%;
  text-transform:uppercase;
  letter-spacing:-.015em;
  word-spacing:.08em;
  line-height:.94;
  text-wrap:balance;
  margin:0;
}
.h-xl{font-size:clamp(42px,6.6vw,82px)}
.h-lg{font-size:clamp(34px,4.6vw,60px)}
.h-md{font-size:clamp(24px,2.6vw,34px);font-stretch:88%;line-height:1.02}
.h-sm{
  font-family:var(--display);font-weight:800;font-stretch:92%;
  font-size:20px;line-height:1.2;letter-spacing:-.01em;margin:0;
}
.eyebrow{
  font-family:var(--mono);font-size:12px;font-weight:500;
  letter-spacing:.04em;text-transform:uppercase;margin:0;
}
.lede{font-size:clamp(16px,1.25vw,19px);line-height:1.62;margin:0;max-width:62ch;text-wrap:pretty}
.num{font-family:var(--mono);font-variant-numeric:tabular-nums;font-weight:700;letter-spacing:-.02em;word-spacing:normal}

/* the lime marker, borrowed from reference theme 2 */
.mark{
  display:inline;color:var(--forest-900);
  background:var(--lime);
  box-decoration-break:clone;-webkit-box-decoration-break:clone;
  padding:.04em .14em .07em;
  border-radius:4px;
}

/* ---------- layout primitives ---------- */
.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:var(--gutter)}
.section{padding-block:clamp(64px,8vw,118px)}
.section--bone{background:var(--bone);color:var(--ink)}
.section--paper{background:var(--paper);color:var(--ink)}
.section--forest{background:var(--forest-800);color:var(--on-forest)}
.stack{display:flex;flex-direction:column}
.grid{display:grid}

.head-block{display:flex;flex-direction:column;gap:16px;max-width:64ch}
.head-block--center{margin-inline:auto;align-items:center;text-align:center}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  border:1.5px solid transparent;border-radius:999px;cursor:pointer;
  font-family:var(--body);font-weight:700;font-size:15px;letter-spacing:.01em;
  padding:15px 28px;transition:transform .18s ease,background-color .18s ease,border-color .18s ease,color .18s ease;
  white-space:nowrap;
}
.btn:hover{transform:translateY(-2px)}
.btn--lime{background:var(--lime);color:var(--forest-900)}
.btn--lime:hover{background:var(--lime-deep)}
.btn--forest{background:var(--forest-800);color:var(--on-forest)}
.btn--forest:hover{background:var(--forest-700)}
.btn--ghost-light{background:transparent;color:var(--on-forest);border-color:rgba(234,243,239,.32)}
.btn--ghost-light:hover{border-color:var(--mint);color:var(--mint)}
.btn--ghost-dark{background:transparent;color:var(--ink);border-color:rgba(16,32,27,.22)}
.btn--ghost-dark:hover{border-color:var(--forest-700);background:var(--paper)}
.btn--block{width:100%}
.btn--lg{padding:18px 34px;font-size:16px}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;
  background:rgba(18,53,43,.86);
  backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
  border-bottom:1px solid var(--forest-line);
  color:var(--on-forest);
}
.header-inner{display:flex;align-items:center;gap:28px;height:74px}
.brand{display:flex;align-items:center;gap:11px;flex:0 0 auto}
.brand svg{width:30px;height:30px}
.brand .mono-mark{fill:var(--on-forest)}
.brand-name{font-family:var(--display);font-weight:800;font-stretch:88%;font-size:20px;letter-spacing:-.02em}
.nav{display:flex;align-items:center;gap:26px;margin-inline:auto}
.nav a{
  font-size:14.5px;font-weight:500;color:var(--on-forest-2);
  padding:6px 0;position:relative;transition:color .16s ease;
}
.nav a::after{
  content:"";position:absolute;left:0;right:0;bottom:0;height:2px;
  background:var(--mint);transform:scaleX(0);transform-origin:left;transition:transform .2s ease;
}
.nav a:hover,.nav a[aria-current="page"]{color:var(--on-forest)}
.nav a:hover::after,.nav a[aria-current="page"]::after{transform:scaleX(1)}
.header-cta{display:flex;align-items:center;gap:12px;flex:0 0 auto}
.header-link{font-size:14px;font-weight:500;color:var(--on-forest-2);padding:6px 4px;transition:color .16s ease}
.header-link:hover{color:var(--on-forest)}
.header-cta .btn{padding:11px 22px;font-size:14px}
@media (max-width:1020px){.nav{display:none}}
@media (max-width:760px){.header-link{display:none}}
@media (max-width:560px){.header-cta .btn--ghost-light{display:none}}

/* ---------- hero ---------- */
.hero{
  position:relative;overflow:hidden;
  background:
    radial-gradient(90% 120% at 82% 8%,rgba(26,229,190,.20) 0%,rgba(26,229,190,0) 58%),
    linear-gradient(163deg,var(--forest-700) 0%,var(--forest-800) 46%,var(--forest-900) 100%);
  color:var(--on-forest);
  padding-block:clamp(52px,6.5vw,92px) clamp(64px,7vw,104px);
}
.hero::before{ /* engine-turned grid, reference theme 1 */
  content:"";position:absolute;inset:0;pointer-events:none;
  background-image:
    linear-gradient(to right,var(--forest-line) 1px,transparent 1px),
    linear-gradient(to bottom,var(--forest-line) 1px,transparent 1px);
  background-size:78px 78px;
  mask-image:radial-gradient(120% 90% at 20% 30%,#000 0%,transparent 78%);
  -webkit-mask-image:radial-gradient(120% 90% at 20% 30%,#000 0%,transparent 78%);
  opacity:.75;
}
.hero .wrap{position:relative;z-index:1}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(36px,5vw,68px);align-items:center}
@media (max-width:960px){.hero-grid{grid-template-columns:1fr;gap:40px}}

.pill{
  display:inline-flex;align-items:center;gap:9px;align-self:flex-start;
  border:1px solid var(--forest-line);background:rgba(26,229,190,.08);
  color:var(--mint);border-radius:999px;padding:8px 16px;
  font-size:13px;font-weight:600;
}
.pill svg{width:15px;height:15px;stroke:currentColor;fill:none;stroke-width:1.9}
.hero-copy{display:flex;flex-direction:column;gap:26px;align-items:flex-start}
.hero-copy .lede{color:var(--on-forest-2)}
.hero-actions{display:flex;flex-wrap:wrap;gap:13px;align-items:center}
.cta-wrap{position:relative;display:inline-flex}
.soon{
  position:absolute;top:-10px;right:-6px;
  font-family:var(--mono);font-size:10px;letter-spacing:.04em;text-transform:uppercase;line-height:1;
  color:var(--forest-900);background:var(--lime);border-radius:999px;padding:5px 9px;
  box-shadow:0 2px 10px rgba(4,18,14,.45);
}
.trust-row{display:flex;flex-wrap:wrap;gap:12px 26px;padding-top:8px}
.trust-row li{display:flex;align-items:center;gap:9px;font-size:14px;color:var(--on-forest-2);font-weight:500}
.trust-row svg{width:17px;height:17px;flex:0 0 auto;stroke:var(--mint);fill:none;stroke-width:2.2}
ul.trust-row{list-style:none;margin:0;padding:0}

/* ---------- calculator: the instrument panel ---------- */
.panel{
  position:relative;isolation:isolate;
  background:var(--bone);color:var(--ink);
  border-radius:var(--r-xl);
  padding:clamp(22px,2.4vw,30px);
  box-shadow:0 34px 70px -28px rgba(4,18,14,.72);
  display:flex;flex-direction:column;gap:18px;
}
.panel-head{display:flex;align-items:center;justify-content:space-between;gap:12px}
.panel-head .h-sm{font-size:18px}
.free-tag{
  font-family:var(--mono);font-size:10.5px;letter-spacing:.04em;text-transform:uppercase;font-weight:500;
  background:var(--forest-800);color:var(--lime);border-radius:999px;padding:6px 12px;
}
.vehicles{display:grid;grid-template-columns:repeat(6,1fr);gap:8px;list-style:none;margin:0;padding:0}
@media (max-width:520px){.vehicles{grid-template-columns:repeat(3,1fr)}}
.veh{
  width:100%;background:var(--paper);border:1.5px solid var(--bone-2);border-radius:var(--r-sm);
  padding:11px 4px 9px;display:flex;flex-direction:column;align-items:center;gap:6px;cursor:pointer;
  transition:border-color .16s ease,background-color .16s ease,color .16s ease;
}
.veh svg{width:22px;height:22px;stroke:var(--ink-2);fill:none;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.veh span{font-size:11.5px;font-weight:600;color:var(--ink-2);letter-spacing:.01em}
.veh:hover{border-color:var(--mint-dim)}
.veh[aria-pressed="true"]{background:var(--forest-800);border-color:var(--forest-800)}
.veh[aria-pressed="true"] svg{stroke:var(--lime)}
.veh[aria-pressed="true"] span{color:var(--on-forest)}

.gauge{background:var(--paper);border:1.5px solid var(--bone-2);border-radius:var(--r-md);padding:16px 18px 13px}
.gauge-top{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin-bottom:11px}
.gauge-label{font-family:var(--mono);font-size:11px;letter-spacing:.04em;text-transform:uppercase;color:var(--ink-3)}
.gauge-value{font-family:var(--mono);font-variant-numeric:tabular-nums;font-weight:700;font-size:21px;letter-spacing:-.02em;word-spacing:normal;color:var(--forest-700)}
.gauge-ends{display:flex;justify-content:space-between;font-family:var(--mono);font-size:10.5px;color:var(--ink-3);margin-top:9px;font-variant-numeric:tabular-nums}
input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:7px;border-radius:99px;
  background:var(--bone-2);cursor:pointer;margin:0;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;
  background:var(--forest-800);border:4px solid var(--lime);box-shadow:0 2px 8px rgba(4,18,14,.35);cursor:grab;
}
input[type=range]::-moz-range-thumb{
  width:22px;height:22px;border-radius:50%;background:var(--forest-800);
  border:4px solid var(--lime);box-shadow:0 2px 8px rgba(4,18,14,.35);cursor:grab;
}
.panel-foot{display:flex;flex-direction:column;gap:9px;align-items:center}
.panel-foot small{font-size:12.5px;color:var(--ink-3);font-weight:500}

/* ---------- stat band ---------- */
.stat-band{background:var(--forest-900);color:var(--on-forest);padding-block:clamp(30px,3.6vw,44px)}
.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,3vw,40px)}
@media (max-width:660px){.stat-grid{grid-template-columns:1fr;gap:20px}}
.stat{display:flex;align-items:baseline;gap:14px}
.stat + .stat{border-left:1px solid var(--forest-line);padding-left:clamp(16px,3vw,40px)}
@media (max-width:660px){.stat + .stat{border-left:0;border-top:1px solid var(--forest-line);padding-left:0;padding-top:20px}}
.stat-num{font-family:var(--mono);font-weight:700;font-variant-numeric:tabular-nums;font-size:clamp(30px,3.6vw,46px);line-height:1;letter-spacing:-.035em;word-spacing:-.24em;color:var(--lime)}
.stat-label{font-size:14px;font-weight:600;color:var(--on-forest-2);letter-spacing:.01em}

/* ---------- feature cards ---------- */
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:clamp(38px,4.5vw,58px)}
@media (max-width:900px){.feature-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.feature-grid{grid-template-columns:1fr}}
.card{
  border-radius:var(--r-lg);padding:clamp(24px,2.4vw,30px);
  display:flex;flex-direction:column;gap:14px;
  transition:transform .2s ease,box-shadow .2s ease;
}
.card:hover{transform:translateY(-4px)}
.card p{margin:0;font-size:15.5px;line-height:1.58}
.card-icon{
  width:46px;height:46px;border-radius:14px;
  display:flex;align-items:center;justify-content:center;flex:0 0 auto;
}
.card-icon svg{width:22px;height:22px;fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.card--paper{background:var(--paper);border:1.5px solid var(--bone-2);color:var(--ink)}
.card--paper:hover{box-shadow:0 22px 44px -26px rgba(16,32,27,.4)}
.card--paper p{color:var(--ink-2)}
.card--paper .card-icon{background:rgba(26,229,190,.14)}
.card--paper .card-icon svg{stroke:var(--mint-dim)}
.card--forest{background:var(--forest-800);color:var(--on-forest)}
.card--forest:hover{box-shadow:0 26px 50px -26px rgba(4,18,14,.6)}
.card--forest p{color:var(--on-forest-2)}
.card--forest .card-icon{background:rgba(200,242,76,.16)}
.card--forest .card-icon svg{stroke:var(--lime)}
.card--mint{background:var(--mint);color:var(--forest-900)}
.card--mint:hover{box-shadow:0 26px 50px -26px rgba(18,179,150,.6)}
.card--mint p{color:rgba(4,18,14,.74)}
.card--mint .card-icon{background:rgba(4,18,14,.14)}
.card--mint .card-icon svg{stroke:var(--forest-900)}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:clamp(38px,4.5vw,58px)}
@media (max-width:840px){.steps{grid-template-columns:1fr}}
.step{
  background:var(--paper);border:1.5px solid var(--bone-2);border-radius:var(--r-lg);
  padding:clamp(24px,2.4vw,32px);display:flex;flex-direction:column;gap:13px;position:relative;overflow:hidden;
}
.step::after{
  content:"";position:absolute;left:0;right:0;top:0;height:4px;background:var(--bone-2);
}
.step:nth-child(1)::after{background:var(--mint)}
.step:nth-child(2)::after{background:var(--mint-dim)}
.step:nth-child(3)::after{background:var(--lime)}
.step-n{font-family:var(--mono);font-size:11.5px;letter-spacing:.04em;text-transform:uppercase;color:var(--ink-3);font-weight:500}
.step p{margin:0;color:var(--ink-2);font-size:15.5px;line-height:1.58}
.step-meta{
  display:flex;align-items:center;gap:8px;margin-top:auto;padding-top:14px;
  border-top:1px solid var(--bone-2);font-size:13px;font-weight:600;color:var(--forest-600);
}
.step-meta svg{width:15px;height:15px;stroke:currentColor;fill:none;stroke-width:2.2}
.steps-cta{display:flex;flex-direction:column;align-items:center;gap:10px;margin-top:clamp(34px,4vw,48px)}
.steps-cta small{font-family:var(--mono);font-size:11.5px;letter-spacing:.04em;text-transform:uppercase;color:var(--ink-3)}

/* ---------- reviews ---------- */
.reviews{display:grid;grid-template-columns:repeat(6,1fr);gap:16px;margin-top:clamp(38px,4.5vw,58px)}
.review{
  grid-column:span 2;background:var(--paper);border:1.5px solid var(--bone-2);
  border-radius:var(--r-lg);padding:clamp(22px,2.2vw,28px);
  display:flex;flex-direction:column;gap:16px;
}
.review:nth-child(4),.review:nth-child(5){grid-column:span 3}
@media (max-width:980px){
  .reviews{grid-template-columns:repeat(2,1fr)}
  .review,.review:nth-child(4),.review:nth-child(5){grid-column:span 1}
}
@media (max-width:620px){
  .reviews{grid-template-columns:1fr}
}
.stars{display:flex;gap:3px}
.stars svg{width:16px;height:16px;fill:var(--lime-deep)}
.review blockquote{margin:0;font-size:15.5px;line-height:1.62;color:var(--ink-2)}
.reviewer{display:flex;align-items:center;gap:12px;margin-top:auto;padding-top:6px}
.avatar{
  width:40px;height:40px;border-radius:50%;flex:0 0 auto;
  background:var(--forest-800);color:var(--lime);
  display:flex;align-items:center;justify-content:center;
  font-family:var(--display);font-weight:800;font-size:16px;
}
.reviewer-name{font-weight:700;font-size:15px;line-height:1.2}
.reviewer-src{font-family:var(--mono);font-size:10.5px;letter-spacing:.04em;text-transform:uppercase;color:var(--ink-3);margin-top:3px}

/* ---------- contact ---------- */
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:16px}
@media (max-width:880px){.contact-grid{grid-template-columns:1fr}}
.contact-info{
  background:var(--forest-800);color:var(--on-forest);border-radius:var(--r-lg);
  padding:clamp(26px,2.8vw,38px);display:flex;flex-direction:column;gap:22px;justify-content:space-between;
}
.contact-info .lede{color:var(--on-forest-2);font-size:16px}
.contact-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:16px}
.contact-list li{display:flex;align-items:flex-start;gap:13px;font-size:15px}
.contact-list svg{width:19px;height:19px;flex:0 0 auto;margin-top:2px;stroke:var(--mint);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.contact-list a:hover{color:var(--mint)}
.contact-form{
  background:var(--paper);border:1.5px solid var(--bone-2);border-radius:var(--r-lg);
  padding:clamp(26px,2.8vw,38px);display:flex;flex-direction:column;gap:16px;
}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:560px){.field-row{grid-template-columns:1fr}}
.contact-form input,.contact-form textarea{
  width:100%;background:var(--bone);border:1.5px solid var(--bone-2);border-radius:var(--r-sm);
  padding:14px 16px;font-size:15px;transition:border-color .16s ease,background-color .16s ease;
}
.contact-form textarea{resize:vertical;min-height:132px}
.contact-form input::placeholder,.contact-form textarea::placeholder{color:var(--ink-3)}
.contact-form input:focus,.contact-form textarea:focus{border-color:var(--mint-dim);background:var(--paper);outline:none}

/* ---------- CTA band ---------- */
.cta-band{
  position:relative;overflow:hidden;
  background:
    radial-gradient(70% 130% at 88% 50%,rgba(200,242,76,.16) 0%,rgba(200,242,76,0) 62%),
    linear-gradient(105deg,var(--forest-700) 0%,var(--forest-900) 100%);
  color:var(--on-forest);
}
.cta-band::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background-image:linear-gradient(to right,var(--forest-line) 1px,transparent 1px);
  background-size:78px 78px;opacity:.6;
}
.cta-inner{position:relative;z-index:1;display:flex;flex-direction:column;align-items:center;text-align:center;gap:20px}
.cta-inner .lede{color:var(--on-forest-2);text-align:center}
.disclaimer{font-size:12.5px;color:var(--on-forest-2);margin:0}

/* ---------- FAQ ---------- */
.faq{margin-top:clamp(34px,4vw,50px);display:flex;flex-direction:column;gap:10px;max-width:860px;margin-inline:auto}
details{
  background:var(--paper);border:1.5px solid var(--bone-2);border-radius:var(--r-md);
  transition:border-color .16s ease;
}
details[open]{border-color:var(--mint-dim)}
summary{
  list-style:none;cursor:pointer;padding:20px 24px;
  display:flex;align-items:center;justify-content:space-between;gap:18px;
  font-family:var(--display);font-weight:700;font-stretch:92%;font-size:17.5px;letter-spacing:-.005em;
}
summary::-webkit-details-marker{display:none}
.chev{width:22px;height:22px;flex:0 0 auto;stroke:var(--forest-600);fill:none;stroke-width:2.2;stroke-linecap:round;transition:transform .22s ease}
details[open] .chev{transform:rotate(180deg)}
details p{margin:0;padding:0 24px 22px;color:var(--ink-2);font-size:15.5px;line-height:1.65;max-width:70ch}

/* ---------- footer ---------- */
.site-footer{background:var(--forest-900);color:var(--on-forest-2);padding-block:clamp(52px,6vw,76px) 34px;font-size:14.5px}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:clamp(26px,4vw,48px)}
@media (max-width:940px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}}
.footer-brand{display:flex;flex-direction:column;gap:16px;max-width:34ch}
.footer-brand .brand svg{width:30px;height:30px}
.footer-brand p{margin:0;line-height:1.6}
.footer-contact{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:9px}
.footer-contact li{display:flex;align-items:center;gap:10px}
.footer-contact svg{width:16px;height:16px;flex:0 0 auto;stroke:var(--mint);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.footer-col h3{
  font-family:var(--mono);font-size:11.5px;font-weight:500;letter-spacing:.04em;text-transform:uppercase;
  color:var(--mint);margin:0 0 16px;
}
.footer-col ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.footer-col a{transition:color .16s ease}
.footer-col a:hover{color:var(--on-forest)}
.footer-legal{
  margin-top:clamp(38px,4.5vw,56px);padding-top:26px;border-top:1px solid var(--forest-line);
  display:flex;flex-direction:column;gap:12px;font-size:12.5px;line-height:1.6;
}
.footer-legal p{margin:0}
.footer-legal a{color:var(--mint)}
.footer-legal a:hover{text-decoration:underline}
.footer-bottom{display:flex;flex-wrap:wrap;gap:10px 22px;justify-content:space-between;align-items:center;padding-top:6px}
.footer-credit{opacity:.8}

/* ============================================================
   INNER PAGES
   Components below are used by about / bad-credit / faqs /
   contact / blog / article. They reuse the same tokens as the
   homepage; no new colours are introduced.
   ============================================================ */

/* ---------- page hero (short forest banner for inner pages) ---------- */
.page-hero{
  position:relative;overflow:hidden;
  background:
    radial-gradient(80% 130% at 84% 0%,rgba(26,229,190,.18) 0%,rgba(26,229,190,0) 60%),
    linear-gradient(160deg,var(--forest-700) 0%,var(--forest-800) 55%,var(--forest-900) 100%);
  color:var(--on-forest);
  padding-block:clamp(52px,6vw,88px) clamp(52px,6vw,84px);
}
.page-hero::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background-image:
    linear-gradient(to right,var(--forest-line) 1px,transparent 1px),
    linear-gradient(to bottom,var(--forest-line) 1px,transparent 1px);
  background-size:78px 78px;
  mask-image:radial-gradient(120% 100% at 18% 20%,#000 0%,transparent 76%);
  -webkit-mask-image:radial-gradient(120% 100% at 18% 20%,#000 0%,transparent 76%);
  opacity:.7;
}
.page-hero .wrap{position:relative;z-index:1}
.page-hero .lede{color:var(--on-forest-2)}
/* inner layout only - never combine with .wrap on one element, they both own width */
.page-hero-inner{display:flex;flex-direction:column;gap:18px;align-items:flex-start}
.page-hero-inner .lede{max-width:58ch}

/* ---------- breadcrumb ---------- */
.crumb{
  display:inline-flex;align-items:center;gap:8px;
  font-family:var(--mono);font-size:11.5px;letter-spacing:.04em;text-transform:uppercase;
  color:var(--mint);
}
.crumb svg{width:14px;height:14px;stroke:currentColor;fill:none;stroke-width:2.2}
.crumb:hover{color:var(--lime)}

/* ---------- prose (about copy, article body) ---------- */
.prose{max-width:68ch;display:flex;flex-direction:column;gap:20px}
.prose p{margin:0;font-size:17px;line-height:1.72;color:var(--ink-2)}
.prose h2{margin:18px 0 0}
.prose strong{color:var(--ink);font-weight:700}
.prose a{color:var(--mint-ink);text-decoration:underline;text-underline-offset:3px}
.prose a:hover{color:var(--forest-600)}

/* two-column split used on About */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,4vw,56px);align-items:start}
@media (max-width:900px){.split{grid-template-columns:1fr}}
.split--narrow{grid-template-columns:.8fr 1.2fr}
@media (max-width:900px){.split--narrow{grid-template-columns:1fr}}

/* ---------- pull quote ---------- */
.pull{
  background:var(--forest-800);color:var(--on-forest);
  border-radius:var(--r-lg);padding:clamp(26px,3vw,40px);
  display:flex;flex-direction:column;gap:18px;
}
.pull blockquote{
  margin:0;font-family:var(--display);font-weight:800;font-stretch:90%;
  font-size:clamp(20px,2.1vw,27px);line-height:1.18;letter-spacing:-.01em;text-wrap:balance;
}
.pull .since{display:flex;align-items:baseline;gap:12px;padding-top:4px;border-top:1px solid var(--forest-line)}
.pull .since-n{font-family:var(--mono);font-weight:700;font-size:30px;color:var(--lime);letter-spacing:-.03em}
.pull .since-l{font-size:13px;color:var(--on-forest-2);font-weight:600}

/* ---------- 4-up metric strip ---------- */
.metrics{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media (max-width:820px){.metrics{grid-template-columns:repeat(2,1fr)}}
.metric{
  background:var(--paper);border:1.5px solid var(--bone-2);border-radius:var(--r-lg);
  padding:clamp(20px,2.2vw,28px);display:flex;flex-direction:column;gap:6px;
}
.metric-n{
  font-family:var(--mono);font-weight:700;font-variant-numeric:tabular-nums;
  font-size:clamp(26px,3vw,36px);line-height:1;letter-spacing:-.035em;word-spacing:-.2em;
  color:var(--forest-600);
}
.metric-l{font-size:13.5px;font-weight:600;color:var(--ink-3);letter-spacing:.01em}

/* ---------- checklist ---------- */
.checklist{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:13px}
.checklist li{display:flex;align-items:flex-start;gap:12px;font-size:16px;line-height:1.5}
.checklist svg{
  width:21px;height:21px;flex:0 0 auto;margin-top:2px;padding:3px;border-radius:50%;
  background:rgba(26,229,190,.16);stroke:var(--mint-ink);fill:none;stroke-width:2.6;
}
.checklist--onforest svg{background:rgba(200,242,76,.16);stroke:var(--lime)}

/* pill row of short benefit chips */
.chips{display:flex;flex-wrap:wrap;gap:9px;list-style:none;margin:0;padding:0}
.chips li{
  display:inline-flex;align-items:center;gap:7px;
  border:1px solid var(--forest-line);background:rgba(26,229,190,.07);
  color:var(--on-forest);border-radius:999px;padding:8px 15px;font-size:13.5px;font-weight:600;
}
.chips svg{width:14px;height:14px;stroke:var(--mint);fill:none;stroke-width:2.4}

/* ---------- FAQ category tabs ---------- */
.tabs{
  display:flex;flex-wrap:wrap;gap:8px;justify-content:center;
  margin-top:clamp(30px,3.5vw,42px);
}
.tab{
  border:1.5px solid var(--bone-2);background:var(--paper);color:var(--ink-2);
  border-radius:999px;padding:10px 20px;font-size:14px;font-weight:600;cursor:pointer;
  transition:background-color .16s ease,color .16s ease,border-color .16s ease;
}
.tab:hover{border-color:var(--mint-dim);color:var(--ink)}
.tab[aria-selected="true"]{background:var(--forest-800);border-color:var(--forest-800);color:var(--on-forest)}
.tab-count{font-family:var(--mono);font-size:11px;opacity:.7;margin-left:6px}
.faq-empty{text-align:center;color:var(--ink-3);padding:40px 0;font-size:15px}

/* ---------- blog ---------- */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:clamp(30px,3.5vw,44px)}
@media (max-width:960px){.post-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.post-grid{grid-template-columns:1fr}}
.post{
  background:var(--paper);border:1.5px solid var(--bone-2);border-radius:var(--r-lg);
  padding:clamp(22px,2.2vw,26px);display:flex;flex-direction:column;gap:13px;
  transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;
}
.post:hover{transform:translateY(-4px);border-color:var(--mint-dim);box-shadow:0 22px 44px -28px rgba(16,32,27,.42)}
.post-tags{display:flex;flex-wrap:wrap;gap:6px}
.tagchip{
  font-family:var(--mono);font-size:10px;letter-spacing:.04em;text-transform:uppercase;
  background:var(--bone);color:var(--mint-ink);border-radius:999px;padding:4px 9px;font-weight:500;
}
.post h3{
  margin:0;font-family:var(--display);font-weight:800;font-stretch:92%;
  font-size:19px;line-height:1.2;letter-spacing:-.01em;text-wrap:balance;
}
.post p{margin:0;font-size:14.5px;line-height:1.58;color:var(--ink-2)}
.post-foot{
  display:flex;align-items:center;justify-content:space-between;gap:12px;
  margin-top:auto;padding-top:14px;border-top:1px solid var(--bone-2);
}
.post-date{font-family:var(--mono);font-size:11px;color:var(--ink-3);font-variant-numeric:tabular-nums}
.post-read{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:700;color:var(--forest-600)}
.post-read svg{width:14px;height:14px;stroke:currentColor;fill:none;stroke-width:2.4;transition:transform .18s ease}
.post:hover .post-read svg{transform:translateX(3px)}

/* ---------- article ---------- */
.article{max-width:760px;margin-inline:auto}   /* child of .wrap, not combined with it */
.article-meta{
  display:flex;flex-wrap:wrap;align-items:center;gap:10px 18px;
  font-family:var(--mono);font-size:12px;color:var(--on-forest-2);
}
.article-meta .dot{width:3px;height:3px;border-radius:50%;background:var(--on-forest-2)}
.article-body{display:flex;flex-direction:column;gap:22px;margin-top:clamp(30px,3.5vw,44px)}
.article-body p{margin:0;font-size:17.5px;line-height:1.75;color:var(--ink-2)}
.article-body p:first-of-type{
  font-size:19.5px;line-height:1.62;color:var(--ink);font-weight:500;
}
.article-foot{
  margin-top:clamp(34px,4vw,52px);padding-top:26px;border-top:1.5px solid var(--bone-2);
  display:flex;flex-wrap:wrap;gap:14px;align-items:center;justify-content:space-between;
}

/* ---------- contact detail cards ---------- */
.contact-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media (max-width:900px){.contact-cards{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.contact-cards{grid-template-columns:1fr}}
.ccard{
  background:var(--paper);border:1.5px solid var(--bone-2);border-radius:var(--r-lg);
  padding:clamp(20px,2.2vw,26px);display:flex;flex-direction:column;gap:11px;
}
.ccard .card-icon{width:42px;height:42px;border-radius:13px;background:rgba(26,229,190,.14)}
.ccard .card-icon svg{stroke:var(--mint-ink)}
.ccard h3{
  margin:0;font-family:var(--mono);font-size:11px;font-weight:500;
  letter-spacing:.04em;text-transform:uppercase;color:var(--ink-3);
}
.ccard p{margin:0;font-size:16px;line-height:1.5;font-weight:600;color:var(--ink)}
.ccard a{color:var(--ink)}
.ccard a:hover{color:var(--mint-ink)}

/* ============================================================
   POLICY, FEES AND APPLY
   Compliance pages are read under pressure, often by someone who
   is already worried. They get more line height, a narrower
   measure, and no decoration competing with the words.
   ============================================================ */

/* ---------- document cards ---------- */
.doc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px}
.doc{
  background:var(--paper);border:1.5px solid var(--bone-2);border-radius:var(--r-lg);
  padding:clamp(20px,2.2vw,26px);display:flex;flex-direction:column;gap:14px;
}
.doc-head{display:flex;align-items:flex-start;gap:12px}
.doc-icon{
  width:42px;height:42px;border-radius:12px;flex:0 0 auto;
  background:rgba(26,229,190,.14);display:flex;align-items:center;justify-content:center;
}
.doc-icon svg{width:21px;height:21px;stroke:var(--mint-ink);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.doc h3{margin:0;font-family:var(--display);font-weight:800;font-stretch:92%;font-size:17px;line-height:1.2}
.doc-actions{display:flex;flex-wrap:wrap;gap:9px;margin-top:auto}
.doc-actions .btn{padding:9px 18px;font-size:13px}

/* ---------- fee tables ---------- */
.fee-list{display:flex;flex-direction:column}
.fee-row{
  display:flex;align-items:baseline;justify-content:space-between;gap:16px;
  padding:13px 0;border-bottom:1px solid var(--bone-2);
}
.fee-row:last-child{border-bottom:0}
.fee-row dt{font-size:15.5px;font-weight:600;color:var(--ink)}
.fee-row dd{
  margin:0;font-family:var(--mono);font-variant-numeric:tabular-nums;font-weight:700;
  font-size:17px;letter-spacing:-.02em;color:var(--forest-600);
}
.fee-row dd.is-free{color:var(--mint-ink)}

.tier-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media (max-width:820px){.tier-grid{grid-template-columns:1fr}}
.tier{
  background:var(--paper);border:1.5px solid var(--bone-2);border-radius:var(--r-lg);
  padding:clamp(20px,2.2vw,26px);display:flex;flex-direction:column;gap:6px;
}
.tier--featured{background:var(--forest-800);border-color:var(--forest-800);color:var(--on-forest)}
.tier--featured .tier-note{color:var(--on-forest-2)}
.tier--featured .fee-row{border-color:var(--forest-line)}
.tier--featured .fee-row dt{color:var(--on-forest)}
.tier--featured .fee-row dd{color:var(--lime)}
.tier h3{margin:0;font-family:var(--display);font-weight:800;font-stretch:88%;font-size:20px;text-transform:uppercase;letter-spacing:-.01em}
.tier-note{font-size:13px;color:var(--ink-3);margin:0 0 6px}

/* ---------- process steps (complaints) ---------- */
.process{display:flex;flex-direction:column;gap:0}
.process-step{display:grid;grid-template-columns:auto 1fr;gap:18px;position:relative;padding-bottom:26px}
.process-step:last-child{padding-bottom:0}
.process-step::before{
  content:"";position:absolute;left:17px;top:38px;bottom:0;width:2px;background:var(--bone-2);
}
.process-step:last-child::before{display:none}
.process-n{
  width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  background:var(--forest-800);color:var(--lime);position:relative;z-index:1;
  font-family:var(--mono);font-weight:700;font-size:14px;
}
.process-step h3{margin:6px 0 5px;font-family:var(--display);font-weight:800;font-stretch:92%;font-size:17px}
.process-step p{margin:0;color:var(--ink-2);font-size:15.5px;line-height:1.6;max-width:66ch}

/* ---------- contact method cards ---------- */
.method-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}
.method{
  background:var(--paper);border:1.5px solid var(--bone-2);border-radius:var(--r-lg);
  padding:clamp(20px,2.2vw,26px);display:flex;flex-direction:column;gap:9px;
}
.method .card-icon{width:42px;height:42px;border-radius:12px;background:rgba(26,229,190,.14)}
.method .card-icon svg{stroke:var(--mint-ink)}
.method h3{margin:0;font-family:var(--mono);font-size:11px;font-weight:500;letter-spacing:.04em;text-transform:uppercase;color:var(--ink-3)}
.method p{margin:0;font-size:16px;font-weight:600;line-height:1.45}
.method small{font-size:12.5px;color:var(--ink-3);font-weight:400}
.method a{color:inherit}
.method a:hover{color:var(--mint-ink)}

/* ---------- support resources ---------- */
.support{
  background:var(--forest-800);color:var(--on-forest);border-radius:var(--r-lg);
  padding:clamp(24px,3vw,34px);display:flex;flex-direction:column;gap:14px;
}
.support h2{margin:0;font-family:var(--display);font-weight:800;font-stretch:90%;font-size:clamp(19px,2vw,24px);text-transform:uppercase}
.support ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:11px}
.support li{display:flex;align-items:flex-start;gap:11px;font-size:15.5px;line-height:1.5}
.support li svg{width:17px;height:17px;flex:0 0 auto;margin-top:4px;stroke:var(--mint);fill:none;stroke-width:2.2}
.support a{color:var(--lime);text-decoration:underline;text-underline-offset:3px}

/* ---------- apply form ---------- */
.apply-shell{max-width:760px;margin-inline:auto}
.steps-bar{display:flex;align-items:center;gap:0;margin-bottom:26px}
.step-dot{
  width:32px;height:32px;border-radius:50%;flex:0 0 auto;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--mono);font-weight:700;font-size:13px;
  background:var(--bone-2);color:var(--ink-3);
  transition:background-color .18s ease,color .18s ease;
}
.step-dot[aria-current="step"]{background:var(--forest-800);color:var(--lime)}
.step-dot.is-done{background:var(--mint-dim);color:var(--forest-900)}
.step-line{flex:1;height:2px;background:var(--bone-2)}
.step-line.is-done{background:var(--mint-dim)}

.form-card{
  background:var(--paper);border:1.5px solid var(--bone-2);border-radius:var(--r-lg);
  padding:clamp(24px,3vw,36px);
}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:620px){.form-grid{grid-template-columns:1fr}}
.form-grid .span-2{grid-column:1/-1}
.f-label{display:flex;flex-direction:column;gap:6px}
.f-label > span{font-size:13px;font-weight:600;color:var(--ink)}
.f-label input,.f-label select,.f-label textarea{
  width:100%;background:var(--bone);border:1.5px solid var(--bone-2);border-radius:var(--r-sm);
  padding:11px 13px;font-size:15px;font-family:var(--body);color:var(--ink);
}
.f-label textarea{resize:vertical;min-height:110px}
.f-label input:focus,.f-label select:focus,.f-label textarea:focus{
  outline:none;border-color:var(--mint-dim);background:var(--paper);
  box-shadow:0 0 0 3px rgba(18,179,150,.12);
}
.f-hint{font-size:12.5px;color:var(--ink-3)}
.f-range{display:flex;flex-direction:column;gap:8px}
.f-range-top{display:flex;align-items:baseline;justify-content:space-between}
.f-range-value{font-family:var(--mono);font-variant-numeric:tabular-nums;font-weight:700;font-size:19px;color:var(--forest-700)}
.consent{
  background:var(--bone);border-radius:var(--r-md);padding:clamp(18px,2vw,24px);
  display:flex;flex-direction:column;gap:12px;
}
.consent h3{margin:0;font-size:15px;font-weight:700}
.consent p{margin:0;font-size:14px;line-height:1.6;color:var(--ink-2)}
.check{display:flex;align-items:flex-start;gap:10px;font-size:14px;line-height:1.5;cursor:pointer}
.check input{margin-top:3px;width:16px;height:16px;flex:0 0 auto;accent-color:var(--mint-dim)}
.form-nav{display:flex;justify-content:space-between;gap:12px;padding-top:22px;margin-top:22px;border-top:1px solid var(--bone-2)}
.form-nav .btn--ghost-dark{margin-right:auto}
.form-nav .btn--lime{margin-left:auto}
.step-panel[hidden]{display:none}

/* ASIC small amount credit warning */
.warning-note{
  border:1.5px solid var(--status-warn,#9a6407);border-radius:var(--r-md);
  background:#fdf1dc;padding:clamp(20px,2.4vw,28px);display:flex;flex-direction:column;gap:14px;
}
.warning-note h2{margin:0;font-family:var(--display);font-weight:900;font-stretch:88%;font-size:clamp(18px,2vw,22px);text-transform:uppercase;color:#7a4f05}
.warning-note p{margin:0;font-size:14.5px;line-height:1.6;color:#7a4f05}
.warning-note ul{margin:0;padding-left:20px;display:flex;flex-direction:column;gap:9px}
.warning-note li{font-size:14.5px;line-height:1.6;color:#7a4f05}
.warning-note a{color:#5f3d04;font-weight:700;text-decoration:underline;text-underline-offset:3px}
.warning-note hr{border:0;border-top:1px solid rgba(122,79,5,.25);margin:0}
.warning-note .fine{font-size:12.5px;font-style:italic}

/* ---------- full legal documents ----------
   Long, dense, and read by someone who may be anxious or looking for one
   specific clause. So: a narrow measure, generous leading, headings that are
   findable by scanning, and no decoration competing with the words. */
.legal{max-width:72ch;display:flex;flex-direction:column}
.legal h2{
  font-family:var(--display);font-weight:800;font-stretch:88%;text-transform:uppercase;
  font-size:clamp(17px,1.8vw,21px);line-height:1.15;letter-spacing:-.01em;
  margin:34px 0 12px;padding-top:20px;border-top:1.5px solid var(--bone-2);
  text-wrap:balance;
}
.legal > h2:first-child{margin-top:0;padding-top:0;border-top:0}
.legal h3{
  font-family:var(--display);font-weight:800;font-stretch:94%;
  font-size:16px;line-height:1.25;margin:24px 0 8px;
}
.legal h4{font-size:15px;font-weight:700;margin:18px 0 6px}
.legal p{margin:0 0 14px;font-size:16px;line-height:1.75;color:var(--ink-2)}
.legal ul,.legal ol{margin:0 0 16px;padding-left:22px;display:flex;flex-direction:column;gap:8px}
.legal li{font-size:16px;line-height:1.7;color:var(--ink-2)}
.legal strong{color:var(--ink);font-weight:700}
.legal a{color:var(--mint-ink);text-decoration:underline;text-underline-offset:3px}
.legal a:hover{color:var(--forest-600)}

.legal-table{overflow-x:auto;margin:0 0 18px;border:1.5px solid var(--bone-2);border-radius:var(--r-md)}
.legal-table table{width:100%;border-collapse:collapse;font-size:14.5px;background:var(--paper)}
.legal-table th{
  text-align:left;font-family:var(--mono);font-size:11px;letter-spacing:.04em;
  text-transform:uppercase;color:var(--ink-3);font-weight:500;
  padding:11px 14px;border-bottom:1.5px solid var(--bone-2);vertical-align:top;
}
.legal-table td{padding:11px 14px;border-bottom:1px solid var(--bone-2);vertical-align:top;line-height:1.6;color:var(--ink-2)}
.legal-table tr:last-child td{border-bottom:0}

/* A document that sits inside a licensed template keeps its own notice. */
.legal p:last-child{color:var(--ink-3);font-size:13.5px}

/* neon ring around the hero calculator; sits under the card's content, glow spills outside */
.neon{position:absolute;inset:0;border-radius:inherit;pointer-events:none;z-index:1}
.neon>div{border-radius:inherit}