/* NDL Micro-Credit — design system: green gradients + glass */
:root{
  --g950:#03210f;--g900:#052e16;--g800:#065f2c;--g700:#0a7a37;--g600:#16a34a;--g500:#22c55e;--g300:#86efac;--g100:#dcfce7;--g50:#f0fdf4;
  --lime:#d9f99d;
  --ink:#0b1f14;--mut:#51675a;--line:rgba(6,95,44,.14);
  --glass:rgba(255,255,255,.55);--glass-b:rgba(255,255,255,.7);--glass-dark:rgba(255,255,255,.08);
  --r:22px;--shadow:0 10px 40px -12px rgba(6,95,44,.25);
  --grad:linear-gradient(135deg,#0a7a37 0%,#16a34a 55%,#4ade80 100%);
}
*{box-sizing:border-box;margin:0}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{font:16px/1.65 "Inter",system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased;overflow-x:hidden}
body:before{content:"";position:fixed;inset:0;z-index:-1;background:
  radial-gradient(900px 500px at 8% -5%,rgba(74,222,128,.22),transparent 60%),
  radial-gradient(700px 500px at 100% 20%,rgba(22,163,74,.12),transparent 60%),
  linear-gradient(#fff,#f3fcf6)}
img,svg{max-width:100%}
a{color:var(--g700)}
.wrap{max-width:1160px;margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:10px;z-index:99;border-radius:8px}
h1,h2,h3{letter-spacing:-.025em;line-height:1.12;font-weight:700}
h1{font-size:clamp(38px,6.4vw,72px)}
h2{font-size:clamp(28px,4vw,44px)}
h3{font-size:20px;letter-spacing:-.015em}
p{color:var(--mut)}
.ic{display:inline-grid;place-items:center;width:1.2em;height:1.2em;vertical-align:-.2em}
.ic svg{width:100%;height:100%;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}

/* nav */
.nav{position:fixed;top:14px;left:0;right:0;z-index:50;padding:0 14px}
.nav-in{max-width:1160px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:14px;padding:10px 12px 10px 18px;
  background:var(--glass-b);backdrop-filter:blur(18px) saturate(1.6);-webkit-backdrop-filter:blur(18px) saturate(1.6);
  border:1px solid rgba(255,255,255,.8);border-radius:999px;box-shadow:0 8px 30px -10px rgba(6,95,44,.3)}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--g900);font-weight:800;letter-spacing:-.02em;white-space:nowrap}
.brand small{display:block;font-size:10px;font-weight:600;color:var(--mut);letter-spacing:.06em;text-transform:uppercase;margin-top:-3px}
.logo{width:auto;height:42px;object-fit:contain;display:block}
.logo-tile{background:#fff;border-radius:14px;padding:6px 8px;display:grid;place-items:center}
.logo-tile .logo{height:34px}
.brand-full{display:block;width:min(420px,100%);height:auto;margin:0 auto}
.menu{display:flex;gap:2px;align-items:center}
.menu a{padding:8px 13px;border-radius:999px;color:var(--ink);text-decoration:none;font-size:14.5px;font-weight:500}
.menu a:hover{background:var(--g100)}
.menu a.on{background:var(--g100);color:var(--g800);font-weight:600}
.nav-cta{display:flex;gap:8px;align-items:center}
.burger{display:none;width:42px;height:42px;border-radius:50%;border:0;background:var(--g100);color:var(--g800);cursor:pointer;font-size:20px}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 24px;border-radius:999px;font:600 15px/1 inherit;text-decoration:none;border:0;cursor:pointer;transition:.2s transform,.2s box-shadow,.2s background;color:#fff;background:var(--grad);box-shadow:0 8px 24px -8px rgba(22,163,74,.7),inset 0 1px 0 rgba(255,255,255,.35)}
.btn:hover{transform:translateY(-2px);box-shadow:0 14px 28px -8px rgba(22,163,74,.7)}
.btn.sm{padding:10px 18px;font-size:14px}
.btn,.menu a{white-space:nowrap}
@media (max-width:1120px){.nav-cta .hide-m{display:none}.menu a{padding:8px 10px;font-size:14px}}
.btn.glass{background:var(--glass-dark);color:#fff;border:1px solid rgba(255,255,255,.35);backdrop-filter:blur(10px);box-shadow:none}
.btn.glass:hover{background:rgba(255,255,255,.18)}
.btn.line{background:transparent;color:var(--g800);border:1.5px solid var(--g600);box-shadow:none}
.btn.line:hover{background:var(--g50)}
.btn.white{background:#fff;color:var(--g800);box-shadow:0 10px 30px -10px rgba(0,0,0,.4)}

/* hero */
.hero{position:relative;margin:0;padding:150px 0 90px;color:#fff;background:linear-gradient(160deg,#03210f 0%,#065f2c 50%,#16a34a 110%);overflow:hidden;border-radius:0 0 48px 48px}
.hero.sm{padding:140px 0 64px}
.hero:before,.hero:after{content:"";position:absolute;border-radius:50%;filter:blur(70px);pointer-events:none}
.hero:before{width:520px;height:520px;background:#4ade80;opacity:.35;top:-160px;right:-80px}
.hero:after{width:420px;height:420px;background:#bef264;opacity:.18;bottom:-180px;left:-100px}
.hero .wrap{position:relative;z-index:1}
.hero p{color:rgba(255,255,255,.82)}
.pill{display:inline-flex;gap:8px;align-items:center;padding:7px 14px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);backdrop-filter:blur(8px);font-size:13px;font-weight:600;color:#eaffef}
.pill i{width:8px;height:8px;border-radius:50%;background:var(--g300);box-shadow:0 0 0 4px rgba(134,239,172,.3)}
.hero h1{margin:18px 0 18px;max-width:780px}
.hero h1 em{font-style:normal;background:linear-gradient(90deg,#bbf7d0,#d9f99d);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .lead{font-size:clamp(17px,2vw,20px);max-width:600px}
.hero-grid{display:grid;grid-template-columns:1.25fr 1fr;gap:48px;align-items:center}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.crumb{font-size:13px;color:rgba(255,255,255,.7);margin-bottom:6px}
.crumb a{color:inherit}

/* glass */
.glass{background:var(--glass);backdrop-filter:blur(16px) saturate(1.5);-webkit-backdrop-filter:blur(16px) saturate(1.5);border:1px solid rgba(255,255,255,.75);border-radius:var(--r);box-shadow:var(--shadow)}
.glass.dark{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.25);box-shadow:0 20px 50px -20px rgba(0,0,0,.5);color:#fff}
.preview{padding:22px;display:grid;gap:14px}
.preview .top{display:flex;justify-content:space-between;align-items:center;font-size:13px;color:rgba(255,255,255,.75)}
.preview .amt{font-size:42px;font-weight:700;letter-spacing:-.03em;color:#fff;line-height:1}
.bar{height:8px;border-radius:99px;background:rgba(255,255,255,.18);overflow:hidden}
.bar i{display:block;height:100%;width:62%;border-radius:99px;background:linear-gradient(90deg,#86efac,#d9f99d)}
.mini{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.mini div{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:14px;padding:12px;font-size:12px;color:rgba(255,255,255,.7)}
.mini b{display:block;font-size:17px;color:#fff;margin-top:2px}
.float{position:absolute;right:-8px;bottom:-62px;padding:12px 16px;font-size:13px;display:flex;gap:10px;align-items:center;color:var(--ink)}
.float .ic{color:var(--g600)}
.hero-art{position:relative}

/* sections */
.sec{padding:84px 0}
.sec.tight{padding:56px 0}
.head{max-width:680px;margin-bottom:44px}
.head.c{margin-inline:auto;text-align:center}
.eyebrow{display:inline-block;font-size:12.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--g600);margin-bottom:10px}
.head p{margin-top:12px;font-size:17px}
.grid{display:grid;gap:18px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{padding:26px;transition:.25s transform,.25s box-shadow}
.card:hover{transform:translateY(-4px);box-shadow:0 22px 50px -18px rgba(6,95,44,.35)}
.card .badge{width:48px;height:48px;border-radius:15px;background:var(--grad);color:#fff;display:grid;place-items:center;font-size:22px;margin-bottom:18px;box-shadow:0 10px 20px -8px rgba(22,163,74,.7),inset 0 1px 0 rgba(255,255,255,.4)}
.card h3{margin-bottom:8px}
.card p{font-size:15px}
.card ul{list-style:none;padding:0;margin:14px 0 0;display:grid;gap:7px;font-size:14.5px;color:var(--mut)}
.card li{display:block;position:relative;padding-left:27px}.card li:before{content:"";position:absolute;left:0;top:4px;width:18px;height:18px;border-radius:50%;background:var(--g100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2316a34a' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center/11px no-repeat}
.link{display:inline-flex;gap:6px;align-items:center;font-weight:600;text-decoration:none;margin-top:16px;color:var(--g700)}
.link:hover{gap:10px}
.trust-row{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:-44px;position:relative;z-index:2}
.trust-row .glass{background:rgba(255,255,255,.94);padding:18px;display:flex;gap:12px;align-items:center;font-weight:600;font-size:14.5px}
.trust-row .ic{color:var(--g600);font-size:22px;flex:none}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:46px}
.stats div{padding:16px 18px;border-radius:18px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);backdrop-filter:blur(10px)}
.stats b{display:block;font-size:22px;letter-spacing:-.02em;color:#fff}
.stats span{font-size:13px;color:rgba(255,255,255,.72)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(7,1fr);gap:12px;counter-reset:s;list-style:none;padding:0}
.steps li{counter-increment:s;position:relative;padding:18px 14px;text-align:center}
.steps li:before{content:counter(s);display:grid;place-items:center;width:38px;height:38px;margin:0 auto 10px;border-radius:50%;background:var(--grad);color:#fff;font-weight:700;box-shadow:0 8px 18px -6px rgba(22,163,74,.7)}
.steps b{display:block;font-size:14px;margin-bottom:4px}
.steps span{font-size:12.5px;color:var(--mut);line-height:1.4;display:block}
.steps.v{grid-template-columns:1fr;gap:14px}
.steps.v li{text-align:left;display:grid;grid-template-columns:48px 1fr;gap:6px 16px;padding:22px}
.steps.v li:before{margin:0;grid-row:span 2;width:44px;height:44px}
.steps.v span{font-size:15px}.steps.v b{font-size:17px}

/* tabs + panels */
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px;padding:6px;border-radius:999px;width:fit-content;max-width:100%}
.tabs button{padding:10px 20px;border-radius:999px;border:0;background:transparent;color:var(--ink);font:600 14.5px inherit;cursor:pointer}
.tabs button[aria-selected=true]{background:var(--grad);color:#fff;box-shadow:0 8px 18px -8px rgba(22,163,74,.8)}
.panel{padding:30px}
.panel ul{list-style:none;padding:0;display:grid;grid-template-columns:repeat(2,1fr);gap:10px 28px}
.panel li{display:flex;gap:10px;color:var(--ink);font-size:15.5px}
.panel li:before{content:"";flex:none;width:20px;height:20px;margin-top:3px;border-radius:50%;background:var(--g100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2316a34a' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center/12px no-repeat}
.panel h3{margin-bottom:16px}

/* forms */
.form{padding:30px;display:grid;gap:16px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{font-size:13.5px;font-weight:600;color:var(--ink);display:grid;gap:7px}
input,select,textarea{width:100%;padding:13px 15px;border:1px solid var(--line);border-radius:14px;font:inherit;background:rgba(255,255,255,.85);color:var(--ink);outline:0;transition:.2s}
input:focus,select:focus,textarea:focus{border-color:var(--g500);box-shadow:0 0 0 4px rgba(34,197,94,.18)}
textarea{min-height:120px;resize:vertical}
input[type=range]{padding:0;height:34px;accent-color:var(--g600);background:none;border:0;box-shadow:none!important}
.hint{font-size:13px;color:var(--mut);font-weight:400}
.seg{display:flex;flex-wrap:wrap;gap:8px}
.seg input{position:absolute;opacity:0;width:0}
.seg span{display:inline-block;padding:10px 16px;border-radius:999px;border:1px solid var(--line);background:rgba(255,255,255,.8);font-weight:600;font-size:14px;cursor:pointer;transition:.2s}
.seg input:checked+span{background:var(--grad);color:#fff;border-color:transparent;box-shadow:0 8px 18px -8px rgba(22,163,74,.8)}
.seg input:focus-visible+span{outline:2px solid var(--g600);outline-offset:2px}
.seg label{display:block}

/* calculator */
.calc{display:grid;grid-template-columns:1.05fr 1fr;gap:22px}
.out{padding:30px;background:linear-gradient(160deg,#052e16,#0a7a37 70%,#16a34a);color:#fff;border-radius:var(--r);box-shadow:var(--shadow);position:relative;overflow:hidden}
.out:before{content:"";position:absolute;width:260px;height:260px;border-radius:50%;background:#4ade80;opacity:.3;filter:blur(60px);top:-90px;right:-60px}
.out>*{position:relative}
.out .big{font-size:clamp(38px,6vw,56px);font-weight:700;letter-spacing:-.03em;line-height:1.05;margin:4px 0 2px}
.out small{color:rgba(255,255,255,.7)}
.out .line{display:flex;justify-content:space-between;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.15);font-size:15px;color:rgba(255,255,255,.85)}
.out .line b{color:#fff}
.out .note{margin-top:16px;font-size:12.5px;color:rgba(255,255,255,.7)}
.val{display:flex;justify-content:space-between;align-items:baseline}
.val b{font-size:24px;letter-spacing:-.02em;color:var(--g800)}

/* eligibility */
.quiz{padding:30px}
.qbar{height:6px;background:var(--g100);border-radius:99px;overflow:hidden;margin-bottom:26px}
.qbar i{display:block;height:100%;background:var(--grad);width:0;transition:.4s}
.q h3{font-size:24px;margin-bottom:6px}.q p{margin-bottom:18px}
.q .seg span{padding:13px 20px;font-size:15px}
.qnav{display:flex;justify-content:space-between;margin-top:26px}
.result{padding:8px 0}
.result .state{display:inline-flex;gap:8px;align-items:center;padding:8px 16px;border-radius:99px;font-weight:700;font-size:14px;margin-bottom:14px}
.ok{background:var(--g100);color:var(--g800)}.warn{background:#fef9c3;color:#854d0e}

/* tracker status */
.status{display:grid;grid-template-columns:repeat(6,1fr);gap:8px;list-style:none;padding:0;margin:24px 0 0}
.status li{text-align:center;font-size:12.5px;color:var(--mut);position:relative;padding-top:34px}
.status li:before{content:"";position:absolute;top:0;left:50%;transform:translateX(-50%);width:24px;height:24px;border-radius:50%;background:#fff;border:2px solid var(--line);z-index:1}
.status li:after{content:"";position:absolute;top:11px;left:-50%;width:100%;height:2px;background:var(--line)}
.status li:first-child:after{display:none}
.status li.done{color:var(--g800);font-weight:600}.status li.done:before{background:var(--grad);border-color:transparent}
.status li.done:after{background:var(--g500)}

/* faq / details */
details{padding:18px 22px;border-radius:18px;margin-bottom:10px;background:var(--glass);border:1px solid rgba(255,255,255,.8);backdrop-filter:blur(12px)}
summary{cursor:pointer;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:14px;align-items:center}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";font-size:22px;color:var(--g600);transition:.2s}
details[open] summary:after{transform:rotate(45deg)}
details p,details ul{margin-top:12px;font-size:15.5px}
details ul{padding-left:20px;color:var(--mut)}
.faqbar{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:24px}
.faqbar button{padding:9px 16px;border-radius:99px;border:1px solid var(--line);background:rgba(255,255,255,.7);font:600 14px inherit;cursor:pointer;color:var(--ink)}
.faqbar button.on{background:var(--grad);color:#fff;border-color:transparent}

/* photos */
.photo{position:relative;margin:0;border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.8);background:var(--g100)}
.photo img{display:block;width:100%;height:100%;object-fit:cover}
.photo figcaption{position:absolute;left:12px;right:12px;bottom:12px;padding:12px 16px;border-radius:16px;color:#fff;font-size:13px;display:grid;gap:1px;
  background:rgba(3,33,15,.45);backdrop-filter:blur(12px) saturate(1.4);-webkit-backdrop-filter:blur(12px) saturate(1.4);border:1px solid rgba(255,255,255,.25)}
.photo figcaption b{font-size:16px}
.photo.md{max-width:460px;margin-left:auto;aspect-ratio:4/5}
.photo.md img{object-position:50% 20%}
.photo.wide{aspect-ratio:3/2;max-height:620px;margin-bottom:18px}
.gallery{display:grid;grid-template-columns:1fr 1fr 1.4fr;gap:18px}
.gallery .photo{aspect-ratio:4/5}
.gallery .photo:nth-child(3){aspect-ratio:auto}
@media (max-width:620px){.gallery{grid-template-columns:1fr 1fr}.gallery .photo:nth-child(3){grid-column:span 2;aspect-ratio:3/2}.photo.md{margin:0 auto}}

/* tiktok: light cards, video loads only on tap */
.vids{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.vid{position:relative;aspect-ratio:9/14;border:0;border-radius:var(--r);cursor:pointer;color:#fff;text-align:left;padding:18px;display:flex;flex-direction:column;justify-content:flex-end;gap:2px;overflow:hidden;font:inherit;
  background:radial-gradient(120% 80% at 80% 0%,rgba(190,242,100,.35),transparent 55%),linear-gradient(160deg,#03210f,#0a7a37 70%,#22c55e);box-shadow:var(--shadow);transition:.25s transform,.25s box-shadow}
.vid:hover{transform:translateY(-4px);box-shadow:0 22px 50px -18px rgba(6,95,44,.5)}
.vid.has-cover{background:linear-gradient(180deg,rgba(3,33,15,0) 38%,rgba(3,33,15,.88) 100%),var(--cover) center/cover no-repeat,#0a7a37}
.vid.has-cover:before{display:none}
.vid.has-cover b{font-size:15px;line-height:1.3;font-weight:600;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.vid.has-cover small{margin-top:4px;font-size:12px}
.vid.has-cover .play{top:42%}
.vid:before{content:"";position:absolute;inset:0;background:url("logo-mark.png") center 38%/46% no-repeat;opacity:.16}
.vid .play{position:absolute;top:36%;left:50%;transform:translate(-50%,-50%);width:64px;height:64px;border-radius:50%;display:grid;place-items:center;font-size:26px;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.45);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}
.vid .play .ic{margin-left:3px;fill:#fff}.vid .play svg{fill:#fff}
.vid b{position:relative;font-size:17px}.vid small{position:relative;color:rgba(255,255,255,.75)}
.modal{position:fixed;inset:0;z-index:100;display:none;place-items:center;padding:18px;background:rgba(3,33,15,.7);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}
.modal.open{display:grid}
.modal-box{position:relative;width:min(380px,100%);border-radius:24px;overflow:hidden;background:#000;box-shadow:0 30px 80px -20px rgba(0,0,0,.7)}
.modal-box iframe{display:block;width:100%;height:min(720px,82vh);border:0}
.modal-x{position:absolute;top:-46px;right:0;width:38px;height:38px;border-radius:50%;border:0;background:#fff;color:var(--g900);font-size:20px;cursor:pointer}
.modal-open{display:block;text-align:center;color:#fff;padding:10px;font-size:13px}

/* cta band */
.band{position:relative;margin:0 22px;border-radius:36px;padding:64px 28px;text-align:center;color:#fff;background:linear-gradient(135deg,#03210f,#0a7a37 60%,#22c55e);overflow:hidden}
.band:before{content:"";position:absolute;width:360px;height:360px;border-radius:50%;background:#bef264;opacity:.2;filter:blur(70px);right:-80px;top:-120px}
.band>*{position:relative}
.band p{color:rgba(255,255,255,.85);max-width:560px;margin:12px auto 26px}
.band .cta{justify-content:center}

/* warn banner */
.alert{display:flex;gap:14px;align-items:flex-start;padding:20px 24px;border-radius:20px;background:linear-gradient(135deg,rgba(254,243,199,.9),rgba(254,249,195,.9));border:1px solid #fde68a;color:#78350f}
.alert .ic{font-size:24px;color:#d97706;flex:none;margin-top:2px}
.alert p{color:#78350f}
.alert b{display:block;margin-bottom:2px}

/* footer */
footer{margin-top:90px;background:var(--g950);color:#b7d3c0;padding:64px 0 28px;border-radius:44px 44px 0 0;position:relative;overflow:hidden}
footer:before{content:"";position:absolute;width:420px;height:420px;border-radius:50%;background:#16a34a;opacity:.22;filter:blur(90px);left:-120px;top:-160px}
footer .wrap{position:relative}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:34px}
footer h4{color:#fff;font-size:14px;margin-bottom:14px;letter-spacing:.02em}
footer a{display:block;color:#b7d3c0;text-decoration:none;font-size:14.5px;padding:4px 0}
footer a:hover{color:#fff}
footer .brand{color:#fff;margin-bottom:14px}
footer p{color:#97b8a2;font-size:14.5px}
.legal{margin-top:44px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px;color:#7fa18b}
.fab{position:fixed;right:18px;bottom:18px;z-index:40;display:flex;gap:10px;align-items:center;padding:13px 20px 13px 16px;border-radius:999px;background:#25d366;color:#fff;text-decoration:none;font-weight:600;font-size:14.5px;box-shadow:0 14px 30px -10px rgba(37,211,102,.8)}
.fab .ic{font-size:22px}

/* misc */
.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.kv{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px}
.kv div{padding:18px 20px}.kv dt{font-size:12.5px;color:var(--mut);text-transform:uppercase;letter-spacing:.06em;font-weight:600}.kv dd{font-size:19px;font-weight:700;letter-spacing:-.01em;margin-top:2px}
.tag{display:inline-block;padding:4px 11px;border-radius:99px;background:var(--g100);color:var(--g800);font-size:12.5px;font-weight:600}
.big-num{font-size:26px;font-weight:700;letter-spacing:-.02em;color:var(--g800);text-decoration:none;display:block}
.menu-extra{display:none}
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s,transform .7s}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

@media (max-width:980px){
  .nav-in{position:relative;background:rgba(255,255,255,.9)}
  .menu{display:none;position:absolute;top:calc(100% + 10px);left:0;right:0;flex-direction:column;align-items:stretch;gap:2px;padding:10px;border-radius:26px;background:#fff;border:1px solid var(--line);box-shadow:0 24px 60px -12px rgba(3,33,15,.45);max-height:calc(100vh - 110px);overflow:auto}
  .menu.open{display:flex}
  .menu a{padding:14px 18px;font-size:16px;border-radius:16px}
  .menu a.on{background:var(--g100)}
  .menu .menu-extra{display:block;margin-top:6px;border:1.5px solid var(--g600);color:var(--g800);text-align:center;font-weight:600}
  .burger{display:block}
  .nav-cta .hide-m{display:none}
  .hero-grid,.two,.calc{grid-template-columns:1fr}
  .g3,.g4{grid-template-columns:1fr 1fr}
  .vids{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .trust-row,.stats{grid-template-columns:1fr 1fr}
  .fgrid{grid-template-columns:1fr 1fr}
  .hero-art{max-width:460px}
  .float{position:relative;right:auto;bottom:auto;margin:14px 0 0 auto;width:fit-content}
  .trust-row{margin-top:-28px}
}
@media (max-width:620px){
  .g2,.g3,.g4,.row2,.panel ul{grid-template-columns:1fr}
  .sec{padding:60px 0}
  .hero{padding-top:120px;border-radius:0 0 32px 32px}
  .brand small{display:none}
  .status{grid-template-columns:1fr 1fr;gap:18px 8px}.status li:after{display:none}
  .band{margin:0 12px;padding:48px 20px}
  .hero .cta .btn{flex:1 1 calc(50% - 6px);justify-content:center;padding:14px 12px;font-size:14.5px}
  .hero .cta .btn.white{flex-basis:100%}
  .float{margin:12px auto 0 0}
  .fab span{display:none}.fab{padding:15px}
  .fgrid{grid-template-columns:1fr}
  .trust-row{margin-top:-30px}
}

/* light, airy home hero */
.hero-l{position:relative;padding:150px 0 64px;overflow:hidden}
.hero-l:before{content:"";position:absolute;width:560px;height:560px;border-radius:50%;right:-160px;top:-120px;background:radial-gradient(closest-side,rgba(74,222,128,.28),transparent 70%);pointer-events:none}
.hl-grid{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.pill-l{display:inline-flex;gap:8px;align-items:center;padding:7px 14px;border-radius:999px;background:var(--g100);color:var(--g800);font-size:13px;font-weight:600}
.pill-l i{width:8px;height:8px;border-radius:50%;background:var(--g600);box-shadow:0 0 0 4px rgba(34,197,94,.25)}
.hero-l h1{margin:20px 0 16px;font-size:clamp(38px,5.4vw,64px);color:var(--g950);max-width:620px}
.hero-l h1 em{font-style:normal;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero-l .lead{font-size:clamp(17px,1.8vw,19px);max-width:480px;color:var(--mut)}
.hero-l .cta{margin-top:28px}
.hl-points{list-style:none;padding:0;margin:30px 0 0;display:flex;flex-wrap:wrap;gap:10px 22px;font-size:14.5px;color:var(--mut)}
.hl-points li{display:flex;gap:8px;align-items:center}
.hl-points li:before{content:"";width:18px;height:18px;border-radius:50%;flex:none;background:var(--g100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2316a34a' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center/11px no-repeat}
.hl-art{position:relative;max-width:400px;margin-left:auto;width:100%}
.hl-card{position:relative;overflow:hidden;color:#fff;padding:26px;border-radius:28px;background:linear-gradient(155deg,#052e16,#0a7a37 62%,#22c55e);box-shadow:0 30px 60px -28px rgba(6,95,44,.7),inset 0 1px 0 rgba(255,255,255,.25)}
.hl-card:before{content:"";position:absolute;width:220px;height:220px;border-radius:50%;background:#bef264;opacity:.22;filter:blur(50px);right:-70px;top:-80px}
.hl-card>*{position:relative}
.hl-card .top{display:flex;justify-content:space-between;align-items:center;font-size:13px;color:rgba(255,255,255,.8);margin-bottom:22px}
.hl-card .top em{font-style:normal;font-size:12px;font-weight:600;padding:4px 10px;border-radius:99px;background:rgba(255,255,255,.16)}
.hl-card small{display:block;font-size:12.5px;color:rgba(255,255,255,.7)}
.hl-card .amt{font-size:44px;font-weight:700;letter-spacing:-.03em;line-height:1.1;margin:2px 0 16px}
.hl-card .bar{margin-bottom:20px}
.hl-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.hl-row div{padding:12px 14px;border-radius:16px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2)}
.hl-row b{display:block;font-size:17px;margin-top:2px}
@media (max-width:980px){.hl-grid{grid-template-columns:1fr;gap:36px}.hl-art{margin:0;max-width:440px}.hero-l{padding:130px 0 40px}}
@media (max-width:620px){.hero-l{padding:112px 0 28px}.hero-l .cta .btn{flex:1 1 100%;justify-content:center}.hl-points{gap:8px 16px}.hl-card .amt{font-size:38px}}

/* page headers: light, with a frosted-glass card (no green band) */
.hero.sm{position:relative;background:transparent;color:var(--ink);border-radius:0;padding:100px 0 22px;overflow:hidden}
.hero.sm:before{width:420px;height:420px;top:-90px;right:6%;background:#86efac;opacity:.55;filter:blur(70px)}
.hero.sm:after{display:block;width:380px;height:380px;left:4%;bottom:-170px;background:#d9f99d;opacity:.8;filter:blur(70px)}
.hero.sm .wrap{position:relative;z-index:1;width:calc(100% - 28px);max-width:1160px;padding:24px 32px 28px;border-radius:28px;
  background:linear-gradient(135deg,rgba(255,255,255,.82),rgba(255,255,255,.42));border:1px solid rgba(255,255,255,.95);
  backdrop-filter:blur(22px) saturate(1.7);-webkit-backdrop-filter:blur(22px) saturate(1.7);
  box-shadow:0 30px 60px -32px rgba(6,95,44,.45),0 2px 0 rgba(255,255,255,.7) inset,0 -1px 0 rgba(6,95,44,.06) inset}
.hero.sm .pill{background:var(--g100);border:0;color:var(--g800);backdrop-filter:none;-webkit-backdrop-filter:none;padding:5px 12px;font-size:12px}
.hero.sm .pill i{background:var(--g600);box-shadow:0 0 0 4px rgba(34,197,94,.25)}
.hero.sm h1{color:var(--g950);font-size:clamp(28px,3.8vw,44px);margin:10px 0 6px;max-width:none}
.hero.sm h1 em{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero.sm p,.hero.sm .lead{color:var(--mut)}
.hero.sm .lead{font-size:clamp(15px,1.6vw,17px);max-width:640px;margin:0}
.hero.sm .cta{margin-top:18px}
.hero.sm .btn.white{background:var(--grad);color:#fff;box-shadow:0 8px 24px -8px rgba(22,163,74,.7),inset 0 1px 0 rgba(255,255,255,.35)}
.hero.sm .btn.glass{background:rgba(255,255,255,.55);color:var(--g800)!important;border:1.5px solid var(--g600);backdrop-filter:none;box-shadow:none}
.hero.sm .btn.glass:hover{background:var(--g50)}
.hero.sm .glass.dark{background:linear-gradient(155deg,#052e16,#0a7a37 62%,#22c55e);border:0;color:#fff;box-shadow:0 30px 60px -28px rgba(6,95,44,.7)}
.hero.sm .glass.dark .top,.hero.sm .glass.dark small{color:rgba(255,255,255,.78)}
.hero.sm .hero-grid{align-items:center;gap:28px}
/* home hero gets the same glass card */
.hero-l{padding:100px 0 40px}
.hero-l:after{content:"";position:absolute;width:380px;height:380px;border-radius:50%;left:3%;bottom:-120px;background:#d9f99d;opacity:.8;filter:blur(70px);pointer-events:none}
.hero-l .hl-grid{width:calc(100% - 28px);padding:44px 44px;border-radius:32px;
  background:linear-gradient(135deg,rgba(255,255,255,.82),rgba(255,255,255,.42));border:1px solid rgba(255,255,255,.95);
  backdrop-filter:blur(22px) saturate(1.7);-webkit-backdrop-filter:blur(22px) saturate(1.7);
  box-shadow:0 30px 60px -32px rgba(6,95,44,.45),0 2px 0 rgba(255,255,255,.7) inset,0 -1px 0 rgba(6,95,44,.06) inset}
@media (max-width:980px){.hero-l .hl-grid{padding:30px 26px;gap:30px}}
@media (max-width:620px){.hero.sm{padding:92px 0 16px}.hero.sm .wrap{padding:18px 20px 22px;border-radius:24px}.hero.sm .cta .btn{flex:1 1 100%;justify-content:center}.hero-l{padding:92px 0 24px}.hero-l .hl-grid{padding:22px 20px 24px;border-radius:26px}.hero-l .hl-grid{width:calc(100% - 28px)}}
html{overflow-x:clip}
/* soften the glow so it fades out instead of ending in a hard edge */
.hero.sm:after,.hero-l:after{-webkit-mask-image:linear-gradient(180deg,#000 0%,rgba(0,0,0,.5) 45%,transparent 75%);mask-image:linear-gradient(180deg,#000 0%,rgba(0,0,0,.5) 45%,transparent 75%)}
.hero.sm{padding-bottom:30px}
.hero.sm:before{-webkit-mask-image:linear-gradient(180deg,#000 0%,rgba(0,0,0,.55) 50%,transparent 80%);mask-image:linear-gradient(180deg,#000 0%,rgba(0,0,0,.55) 50%,transparent 80%);height:300px}
.hero.sm:after{height:150px;bottom:56px;-webkit-mask-image:none;mask-image:none}
.hero-l:after{height:180px;bottom:48px;-webkit-mask-image:none;mask-image:none}
.hero.sm,.hero-l{overflow-x:clip;overflow-y:visible}
.hero.sm:after{bottom:24px;-webkit-mask-image:none;mask-image:none}
.map{border-radius:18px;overflow:hidden;border:1px solid var(--line);aspect-ratio:16/10;background:var(--g100)}
.map iframe{display:block;width:100%;height:100%;border:0}
.hours{display:flex;align-items:center;gap:8px;margin:8px 0 0!important;color:var(--g800)!important;font-weight:600;font-size:14.5px!important}
.hours .ic{color:var(--g600)}
/* keep hero content above the decorative glow */
.hero-l .hl-grid{z-index:1}
.hero-l:before,.hero-l:after{z-index:0}

/* home: interest rate card */
.rate{background:#fff;border-radius:28px;overflow:hidden;box-shadow:0 30px 60px -30px rgba(6,95,44,.45),0 2px 0 rgba(255,255,255,.8) inset;border:1px solid var(--line)}
.rate-top{position:relative;overflow:hidden;padding:28px 30px 30px;color:#fff;background:linear-gradient(155deg,#052e16,#0a7a37 62%,#22c55e)}
.rate-top:before{content:"";position:absolute;width:260px;height:260px;border-radius:50%;right:-80px;top:-110px;background:#d9f99d;opacity:.28;filter:blur(55px)}
.rate-top>*{position:relative}
.rate-label{display:inline-block;padding:5px 13px;border-radius:99px;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.25);font-size:12.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase}
.rate-big{display:flex;align-items:center;gap:20px;margin-top:18px;flex-wrap:wrap}
.rate-big b{display:block;font-size:clamp(46px,6vw,64px);line-height:1;letter-spacing:-.04em;font-weight:700}
.rate-big small{display:block;margin-top:8px;font-size:14px;color:rgba(255,255,255,.82);max-width:150px;line-height:1.35}
.rate-or{font-size:16px;font-weight:600;color:#d9f99d}
.rate-bottom{display:grid;grid-template-columns:1fr 1fr;gap:16px;padding:22px 26px 14px}
.rate-chip{display:flex;align-items:center;gap:13px}
.rate-chip>i{flex:none;width:46px;height:46px;border-radius:14px;background:var(--g100);color:var(--g700);font-size:22px;display:grid;place-items:center}
.rate-chip small{display:block;font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--mut)}
.rate-chip b{display:block;font-size:18px;letter-spacing:-.01em;color:var(--ink);line-height:1.25}
.rate-note{margin:0;padding:6px 26px 22px;font-size:13px;color:var(--mut)}
@media (max-width:620px){.rate-top{padding:22px 22px 24px}.rate-bottom{grid-template-columns:1fr;gap:14px;padding:20px 22px 10px}.rate-note{padding:6px 22px 20px}.rate-big{gap:14px}.rate-big small{max-width:130px}}
/* rate card: keep the two rates side by side on every screen, with "or" between them */
.rate-big{display:grid;grid-template-columns:minmax(0,1fr) auto minmax(0,1fr);align-items:start;gap:14px 16px}
.rate-big .rate-or{align-self:start;padding-top:clamp(14px,2vw,22px)}
.rate-big small{max-width:none}
@media (max-width:620px){.rate-big b{font-size:clamp(34px,10.5vw,44px)}.rate-big small{font-size:13px}.rate-or{font-size:14px}}