:root{--ink:#14123a;--soft:#4b4a6b;--bg:#f5f3ff;--card:#fff;--line:#e4e0f7;--v:#5b3df5;--v2:#7c3aed;--c:#06b6d4;--blue:#2EA3F2;--blue-d:#1C8AD6;--gold:#FFB800}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,'Helvetica Neue',Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;padding-bottom:78px}
img{max-width:100%;display:block}a{color:var(--v)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:30}
@media(min-width:860px){header{position:sticky;top:0}}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:900;font-size:22px}.brand img{height:40px;width:40px}
nav.links{display:none;gap:28px;font-size:15px;font-weight:600}
nav.links a{text-decoration:none;color:var(--soft)}nav.links a:hover{color:var(--v)}
@media(min-width:860px){nav.links{display:flex}.menu-btn{display:none!important}}
.menu-btn{display:flex;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;border:0;background:none;cursor:pointer;padding:10px}
.menu-btn span{display:block;height:3px;background:var(--ink);border-radius:2px}
@media(max-width:859px){nav.links{position:absolute;top:68px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;gap:0;padding:6px 20px 14px;box-shadow:0 12px 24px rgba(20,18,58,.1)}nav.links.open{display:flex}nav.links a{padding:13px 0;border-bottom:1px solid var(--line);font-size:16px}}
.hero{background:linear-gradient(135deg,#1e1b4b 0%,#4338ca 42%,#7c3aed 72%,#06b6d4 118%);color:#fff;padding:44px 0 34px}
.hero h1{font-size:clamp(28px,4.6vw,44px);line-height:1.15;margin:0 0 18px;font-weight:800;letter-spacing:-.01em}
.quick{background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.3);border-radius:16px;padding:20px 22px;font-size:17px;line-height:1.6;backdrop-filter:blur(4px)}
.quick b.q{display:inline-block;background:var(--gold);color:#2b1d00;border-radius:6px;padding:1px 9px;font-size:13px;margin-right:8px;text-transform:uppercase;letter-spacing:.4px}
.badge-upd{display:block;width:max-content;max-width:100%;margin:8px auto 22px;background:#fff;color:#C62828;font-weight:900;font-size:1.1rem;letter-spacing:.02em;padding:7px 22px;border-radius:12px;border:2px solid #F6CACA;box-shadow:0 8px 22px rgba(16,36,58,.2);text-align:center}@media(max-width:600px){.badge-upd{font-size:.95rem;padding:6px 18px}}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}.chips span{background:rgba(255,255,255,.16);border-radius:999px;padding:6px 14px;font-size:13px;font-weight:600}
.amount-wrap{margin-top:-6px;padding:0 0 10px}
.amount{background:linear-gradient(135deg,#7c3aed,#2563eb 55%,#06b6d4);color:#fff;border-radius:20px;padding:26px 24px;box-shadow:0 18px 40px rgba(67,56,202,.35);margin-top:26px}
.amount h2{margin:0 0 6px;font-size:21px}.amount .sub{opacity:.9;font-size:14px;margin:0 0 10px}
.amount-val{font-size:44px;font-weight:800;margin:4px 0 12px}
input[type=range]{width:100%;height:6px;accent-color:#FFB800}
input[type=range]::-webkit-slider-thumb{width:34px;height:34px}
.rl{display:flex;justify-content:space-between;font-size:12.5px;opacity:.9;margin:4px 0 18px}
.cta{display:block;text-align:center;background:linear-gradient(135deg,#FFD93B,#FFA800);color:#3b2a00!important;font-weight:800;font-size:17px;text-transform:uppercase;letter-spacing:.3px;border-radius:12px;padding:16px 22px;text-decoration:none;box-shadow:0 8px 20px rgba(255,168,0,.45)}
.cta:hover{filter:brightness(1.05)}
section{padding:46px 0}@media(max-width:600px){section{padding:30px 0}}
h2{font-size:clamp(24px,3.4vw,32px);line-height:1.2;margin:0 0 12px}
.lead{color:var(--soft);max-width:70ch;margin:0 0 22px}.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto}
.badge{display:inline-block;background:#ede9fe;color:var(--v);font-weight:800;font-size:12px;letter-spacing:.5px;padding:4px 12px;border-radius:999px;margin-bottom:14px}
.lender-grid{display:flex;flex-wrap:wrap;gap:18px}
.lender-card{position:relative;width:calc(33.333% - 12px);background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px 16px 18px;display:flex;flex-direction:column;box-shadow:0 6px 18px rgba(67,56,202,.07)}
.lender-card.featured{border:2px solid var(--gold);box-shadow:0 10px 26px rgba(255,184,0,.25)}
.top-pick{position:absolute;top:-12px;left:50%;transform:translateX(-50%);background:linear-gradient(135deg,#FFD93B,#FFA800);color:#3b2a00;font-weight:800;font-size:12px;border-radius:999px;padding:4px 14px;white-space:nowrap}
.lender-logo{height:72px;display:flex;align-items:center;justify-content:center;margin-bottom:10px}.lender-logo img{max-height:68px;max-width:78%;object-fit:contain}
.lender-name{font-weight:800;text-align:center;font-size:18px}.lender-amount{text-align:center;color:var(--v);font-weight:800;margin:4px 0 10px}
.lender-features{list-style:none;padding:0;margin:0 0 16px;font-size:13.5px;color:var(--soft);flex:1}.lender-features li{margin-bottom:7px}
.lender-apply{display:block;text-align:center;background:linear-gradient(135deg,#5b3df5,#7c3aed);color:#fff!important;font-weight:800;text-decoration:none;border-radius:10px;padding:12px;font-size:15px}
@media(max-width:992px){.lender-card{width:calc(50% - 9px)}}
@media(max-width:600px){.lender-grid{margin:0 -16px;gap:8px}.lender-card{width:calc(50% - 4px);padding:20px 9px 14px;border-radius:12px}.lender-name{font-size:15px}.lender-features{font-size:12.5px}.lender-apply{padding:11px 4px;font-size:14px}}
.tg-box{background:linear-gradient(135deg,#e0f2fe,#c7e6fb);border:2px solid #229ED9;border-radius:18px;padding:24px;text-align:center;margin-bottom:22px}
.tg-btn{display:inline-flex;align-items:center;justify-content:center;margin-top:14px;background:linear-gradient(135deg,#FFD93B,#FFA800);color:#3b2a00!important;text-decoration:none;font-weight:800;font-size:17px;padding:15px 34px;border-radius:12px;box-shadow:0 6px 16px rgba(255,168,0,.4);text-transform:uppercase}
.sub-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;text-align:center}
.sub-title{font-weight:800;font-size:20px;margin-bottom:6px}.sub-desc{color:var(--soft);font-size:14.5px;margin-bottom:14px}
.sub-form{display:flex;gap:10px;flex-wrap:wrap;justify-content:center}.sub-input{flex:1 1 240px;max-width:380px;padding:13px 14px;border:1px solid var(--line);border-radius:10px;font-size:15px}
.sub-btn{background:linear-gradient(135deg,#5b3df5,#7c3aed);color:#fff;border:0;border-radius:10px;padding:13px 26px;font-weight:800;cursor:pointer;font-size:15px}
.sub-msg{margin-top:10px;font-size:14px}.sub-msg.success{color:#0a7a3d}.sub-msg.error{color:#c0262d}
table{border-collapse:collapse;width:100%;font-size:15px;background:#fff;border-radius:12px;overflow:hidden}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}th{background:#ede9fe}
.tbl{overflow-x:auto;margin:16px 0}
.glance{display:grid;gap:22px}@media(min-width:860px){.glance{grid-template-columns:1.1fr .9fr;align-items:start}}
.calc{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:0 10px 28px rgba(67,56,202,.1)}
.calc-grid{display:grid;gap:14px;grid-template-columns:1fr 1fr}@media(max-width:560px){.calc-grid{grid-template-columns:1fr}}
.calc label{display:block;font-size:13px;font-weight:700;color:var(--soft);margin-bottom:4px}
.calc input[type=number]{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:10px;font-size:16px}
.calc-btn{margin-top:16px;width:100%;background:linear-gradient(135deg,#5b3df5,#06b6d4);color:#fff;border:0;border-radius:12px;padding:15px;font-weight:800;font-size:17px;cursor:pointer}
.result{margin-top:18px;background:linear-gradient(135deg,#f5f3ff,#ecfeff);border:1px solid var(--line);border-radius:14px;padding:16px}
.result dl{margin:0;display:grid;grid-template-columns:1fr auto;gap:6px 14px}.result dt{color:var(--soft)}.result dd{margin:0;font-weight:800;text-align:right}
.result .total dd,.result .total dt{font-size:18px;color:var(--v)}
.stale{display:none;background:#fff7e0;border:1px solid #ffd978;border-radius:10px;padding:9px 12px;font-size:13.5px;margin-top:12px}.stale.show{display:block}
.note{font-size:13px;color:var(--soft);margin-top:10px}
.groups{display:grid;gap:18px}@media(min-width:760px){.groups{grid-template-columns:1fr 1fr}}
.group{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 20px}.group h3{margin:0 0 8px;font-size:18px}
.group ul{margin:0;padding-left:18px}.group li{margin:5px 0}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px;overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:16px 18px;font-size:16.5px;font-weight:700;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;gap:12px;font-family:inherit}
.faq-q:after{content:'+';font-size:22px;color:var(--v);line-height:1}.faq-item.open .faq-q:after{content:'\2212'}
.faq-a{display:none;padding:0 18px 16px;color:var(--soft)}.faq-item.open .faq-a{display:block}
.author{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;margin-top:30px}
.author .av{flex:0 0 52px;height:52px;border-radius:50%;background:linear-gradient(135deg,#5b3df5,#06b6d4);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.author p{margin:0;font-size:14.5px;color:var(--soft)}.author b{color:var(--ink)}
.crumbs{font-size:13.5px;color:var(--soft);padding:16px 0 0}.crumbs a{color:var(--soft)}
.article{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px 26px;margin:14px 0 30px}
@media(max-width:600px){.article{padding:20px 16px;border-radius:14px}}
.article h1{font-size:clamp(26px,4vw,38px);line-height:1.2;margin:0 0 10px}.article h2{margin:30px 0 10px;font-size:25px}
.article h3{margin:22px 0 8px}.article p,.article li{font-size:17px}
.meta{font-size:13.5px;color:var(--soft);margin-bottom:18px}
.qa{background:linear-gradient(135deg,#f5f3ff,#ecfeff);border:1px solid var(--line);border-left:5px solid var(--v);border-radius:12px;padding:16px 18px;margin:0 0 20px}
.qa p{margin:0}
footer{background:#14123a;color:#cfcdf0;padding:40px 0 20px;margin-top:30px}
footer a{color:#fff;text-decoration:none}footer a:hover{text-decoration:underline}
.foot-grid{display:grid;gap:26px}@media(min-width:760px){.foot-grid{grid-template-columns:1.5fr 1fr 1fr 1fr}}
.foot-grid h4{color:#fff;margin:0 0 10px}.foot-grid ul{list-style:none;padding:0;margin:0}.foot-grid li{margin:6px 0}
.disc{font-size:14px;border-top:1px solid rgba(255,255,255,.15);margin-top:26px;padding-top:18px}
.mobile-cta{position:fixed;left:0;right:0;bottom:0;z-index:40;background:#fff;border-top:1px solid #e4e0f7;padding:10px 16px;padding-bottom:max(10px,env(safe-area-inset-bottom,0px));display:flex;box-shadow:0 -4px 16px rgba(0,0,0,.08);transform:translateY(100%);opacity:0;visibility:hidden;pointer-events:none;transition:transform .25s ease,opacity .25s ease,visibility 0s linear .25s}
.mobile-cta.is-visible{transform:translateY(0);opacity:1;visibility:visible;pointer-events:auto;transition:transform .25s ease,opacity .25s ease,visibility 0s}
.mobile-cta a{display:flex;align-items:center;justify-content:center;gap:8px;flex:1;text-align:center;white-space:nowrap;padding:14px 12px;font-size:clamp(12px,4.2vw,16px);font-weight:800;background:#2EA3F2;color:#fff;border-radius:9px;text-decoration:none;text-transform:uppercase;letter-spacing:.2px;box-shadow:0 4px 12px rgba(46,163,242,.4)}
.mobile-cta a::after{content:"";flex:none;width:18px;height:18px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M4 12h16M13 5l7 7-7 7'/%3E%3C/svg%3E") center/contain no-repeat;animation:ctaArrow 1.6s cubic-bezier(.45,0,.55,1) infinite}
.mobile-cta a:hover{background:#1C8AD6}
@keyframes ctaArrow{0%,100%{transform:translateX(-2px)}50%{transform:translateX(4px)}}
@media(min-width:860px){.mobile-cta{display:none}body{padding-bottom:0}}
.tg-modal{position:fixed;inset:0;background:rgba(20,18,58,.6);display:none;align-items:center;justify-content:center;z-index:100;padding:16px}.tg-modal.open{display:flex}
.tg-modal-box{background:#fff;border-radius:18px;max-width:420px;width:100%;padding:34px 26px 24px;text-align:center}
.tg-modal-title{font-size:21px;margin:8px 0}.tg-modal-note{color:var(--soft);font-size:15px}
.tg-modal-actions{display:flex;gap:10px;margin-top:18px}.tg-modal-actions button,.tg-modal-actions a{flex:1;padding:13px;border-radius:10px;font-weight:800;font-size:16px;text-decoration:none;text-align:center;cursor:pointer;border:0}
.tg-back{background:#eee;color:var(--ink)}.tg-go{background:linear-gradient(135deg,#5b3df5,#7c3aed);color:#fff}
body.tg-lock{overflow:hidden}
.hub-list a{display:block}