:root{--navy:#10253f;--blue:#1264a3;--green:#19a974;--mint:#e9fbf4;--gold:#ffbd59;--text:#223047;--muted:#64748b;--bg:#f6f9fc;--white:#fff;--shadow:0 18px 50px rgba(16,37,63,.12);--radius:24px}*{box-sizing:border-box}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.65}a{color:var(--blue);text-decoration:none}img{max-width:100%;height:auto}.container{width:min(1180px,92%);margin:auto}.site-header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);z-index:20;border-bottom:1px solid #e5edf5}.header-inner{height:82px;display:flex;align-items:center;justify-content:space-between;gap:22px}.brand{display:flex;align-items:center;gap:12px;font-weight:900;color:var(--navy);font-size:1.35rem;letter-spacing:-.04em}.brand-mark{width:46px;height:46px;border-radius:15px;background:linear-gradient(135deg,var(--blue),var(--green));display:grid;place-items:center;color:white;box-shadow:var(--shadow)}.brand b span{color:var(--green)}.menu{display:flex;gap:20px;align-items:center}.menu a{color:#23334d;font-weight:800;font-size:.95rem}.header-cta{display:flex;align-items:center;gap:14px}.btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:999px;background:linear-gradient(135deg,var(--green),#0f8d65);color:white!important;font-weight:900;padding:13px 22px;box-shadow:0 12px 25px rgba(25,169,116,.28);cursor:pointer}.btn.big{font-size:1.05rem;padding:17px 28px}.btn.alt{background:linear-gradient(135deg,var(--blue),#0b4775);box-shadow:0 12px 25px rgba(18,100,163,.25)}.hero{background:radial-gradient(circle at 15% 15%,#e0f6ff 0,#f6fbff 34%,#e9fbf4 100%);padding:70px 0 38px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.02fr .78fr;gap:46px;align-items:center;position:relative}.eyebrow{display:inline-flex;padding:9px 14px;border-radius:999px;background:white;color:var(--green);font-weight:900;box-shadow:var(--shadow);margin-bottom:14px}.hero h1{font-size:clamp(2.6rem,6vw,5.4rem);line-height:.95;margin:0 0 18px;color:var(--navy);letter-spacing:-.075em}.hero h1 span{color:var(--green)}.sub{font-size:1.35rem;color:#496178;margin:0 0 18px}.checks{list-style:none;padding:0;margin:0 0 26px;display:grid;gap:10px}.checks li:before{content:'✓';display:inline-grid;place-items:center;width:23px;height:23px;margin-right:10px;border-radius:50%;background:var(--green);color:white;font-weight:900}.hero-actions{display:flex;gap:20px;align-items:center;flex-wrap:wrap}.link-arrow{font-weight:900;color:var(--navy)}.hero-image{position:relative}.hero-image:before{content:'';position:absolute;inset:30px -12px -12px 50px;border-radius:42px;background:linear-gradient(135deg,var(--blue),var(--green));z-index:0}.hero-image img{position:relative;z-index:1;border-radius:42px;box-shadow:var(--shadow);width:100%;object-fit:cover}.hero-perks{grid-column:1/-1;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.hero-perks div{background:white;border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);display:flex;align-items:center;gap:14px}.hero-perks span,.feature-icon{width:48px;height:48px;border-radius:16px;background:var(--mint);display:grid;place-items:center;color:var(--green);font-weight:900;font-size:1.35rem}.hero-perks b{display:block;color:var(--navy)}.hero-perks small{color:var(--muted)}.ad-slot{border:2px dashed #d5e0ec;background:#fff;border-radius:18px;color:#7b8ca3;text-align:center;padding:18px;font-size:.83rem;text-transform:uppercase;letter-spacing:.08em;margin:24px auto}.icon-strip{display:grid;grid-template-columns:repeat(6,1fr);gap:16px;margin-top:32px}.icon-strip a,.lender-card,.resource-card,.article-card,.info-card,.calculator,.content-card{background:white;border-radius:var(--radius);box-shadow:var(--shadow);padding:22px;color:var(--text)}.icon-strip span{font-size:2rem;display:block}.icon-strip b{display:block;color:var(--navy);margin-top:8px}.icon-strip small{color:var(--muted)}section{padding:42px 0}.section-title{display:flex;align-items:end;justify-content:space-between;gap:24px}h1,h2,h3{color:var(--navy);letter-spacing:-.04em;line-height:1.1}h2{font-size:clamp(2rem,4vw,3rem);margin:0 0 14px}.center{text-align:center;color:var(--muted);max-width:760px;margin:0 auto 26px}.lender-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.lender-card{display:flex;flex-direction:column;gap:12px;border:1px solid #e8f0f8}.lender-logo{display:flex;align-items:center;gap:12px}.lender-logo span{width:44px;height:44px;border-radius:14px;background:linear-gradient(135deg,var(--navy),var(--blue));color:white;display:grid;place-items:center;font-weight:900}.stars{color:#f0a400}.lender-card small{text-transform:uppercase;color:var(--muted);font-size:.72rem;letter-spacing:.08em}.lender-actions{display:flex;gap:14px;align-items:center;margin-top:auto}.mini-disclosure,.disclosure-box{background:#fff8e6;border:1px solid #ffe0a4;border-radius:18px;padding:16px;color:#59441c}.compare-hero{background:linear-gradient(135deg,var(--navy),var(--blue));color:white;border-radius:32px;padding:42px;margin:30px 0}.compare-hero h1{color:white;font-size:clamp(2.4rem,5vw,4.8rem);margin:0}.compare-hero p{max-width:780px;color:#e6f4ff}.compare-table{background:white;border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}.compare-row{display:grid;grid-template-columns:1.2fr .8fr .8fr .8fr .8fr;gap:12px;padding:18px;border-bottom:1px solid #edf2f7;align-items:center}.compare-row.head{background:#eef8ff;font-weight:900;color:var(--navy)}.resource-grid,.article-grid,.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.resource-card .resource-img,.article-card .thumb{height:160px;border-radius:18px;background:linear-gradient(135deg,#d7f3ff,#e8fbf3);margin-bottom:15px;overflow:hidden}.resource-card h3,.article-card h3{margin:0 0 8px}.cta-band{background:linear-gradient(135deg,#0c2642,#123d62);color:white;text-align:center;margin-top:36px}.cta-band h2{color:white}.site-main{padding:38px 0}.content-wrap{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:32px}.entry{background:white;border-radius:var(--radius);box-shadow:var(--shadow);padding:38px}.entry h1{font-size:clamp(2.2rem,4vw,3.8rem);margin-top:0}.entry img.featured{border-radius:22px;margin:8px 0 24px;width:100%}.meta{display:flex;gap:14px;flex-wrap:wrap;color:var(--muted);font-weight:700;margin-bottom:18px}.article-hero-block{background:linear-gradient(135deg,#eef8ff,#eafbF4);border-left:5px solid var(--green);padding:18px;border-radius:14px;margin:22px 0}.author-box{display:flex;gap:16px;align-items:flex-start;background:#f2f8ff;border-radius:20px;padding:20px;margin-top:34px}.avatar{width:58px;height:58px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--green));color:white;display:grid;place-items:center;font-weight:900;font-size:1.4rem;flex:0 0 58px}.sidebar .widget{background:white;border-radius:var(--radius);box-shadow:var(--shadow);padding:22px;margin-bottom:20px}.sidebar ul{padding-left:20px}.calculator label{display:grid;gap:6px;font-weight:900;margin:12px 0}.calculator input{border:1px solid #dbe6f2;border-radius:13px;padding:12px;font-size:1rem}.calc-result{background:#eef8ff;border-radius:14px;margin-top:14px;padding:15px;font-weight:900;color:var(--navy)}.site-footer{background:#0d2138;color:#d9e6f5;padding:42px 0 80px;margin-top:50px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:30px}.site-footer a{color:#d9e6f5}.footer-links{display:grid;gap:8px}.mobile-sticky{position:fixed;left:0;right:0;bottom:0;z-index:30;background:white;padding:10px 14px;box-shadow:0 -10px 30px rgba(16,37,63,.16);display:none}.mobile-sticky .btn{width:100%}.faq details{background:white;border-radius:16px;padding:16px;margin:12px 0;border:1px solid #e6eef6}.faq summary{font-weight:900;color:var(--navy);cursor:pointer}.notice{background:#ecfdf5;border:1px solid #bbf7d0;border-radius:18px;padding:16px}.screen-reader-text{position:absolute;left:-9999px}@media(max-width:980px){.hero-grid,.content-wrap,.footer-grid{grid-template-columns:1fr}.icon-strip{grid-template-columns:repeat(2,1fr)}.lender-grid,.resource-grid,.article-grid,.info-grid{grid-template-columns:1fr 1fr}.menu{display:none}.hero-perks{grid-template-columns:1fr}.compare-row{grid-template-columns:1fr}.compare-row.head{display:none}.mobile-sticky{display:block}}@media(max-width:620px){.lender-grid,.resource-grid,.article-grid,.info-grid{grid-template-columns:1fr}.header-inner{height:auto;padding:14px 0}.header-cta .btn{display:none}.hero{padding-top:38px}.entry{padding:24px}.icon-strip{grid-template-columns:1fr}}

/* Clean scaled navigation */
.menu{flex:1;display:flex;justify-content:center;min-width:0}.primary-menu{display:flex;align-items:center;gap:8px;list-style:none;margin:0;padding:0}.primary-menu>li{position:relative}.primary-menu>li>a{display:flex;align-items:center;gap:6px;padding:12px 13px;border-radius:999px;white-space:nowrap}.primary-menu>li>a:hover,.primary-menu>li.current-menu-item>a,.primary-menu>li.current-menu-ancestor>a{background:#eef8ff;color:var(--blue)}.primary-menu .menu-item-has-children>a:after{content:'⌄';font-size:.8rem;color:var(--green);font-weight:900}.primary-menu .sub-menu{position:absolute;top:calc(100% + 12px);left:0;min-width:245px;list-style:none;margin:0;padding:10px;background:#fff;border:1px solid #e5edf5;border-radius:18px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(8px);transition:.18s ease;z-index:50}.primary-menu li:hover>.sub-menu,.primary-menu li:focus-within>.sub-menu{opacity:1;visibility:visible;transform:translateY(0)}.primary-menu .sub-menu:before{content:'';position:absolute;top:-12px;left:0;right:0;height:12px}.primary-menu .sub-menu a{display:block;padding:11px 12px;border-radius:12px;font-weight:800;color:#23334d}.primary-menu .sub-menu a:hover{background:var(--mint);color:var(--green)}.header-cta{flex:0 0 auto}.site-header .brand{flex:0 0 auto}.footer-menu{list-style:none;margin:0;padding:0;display:grid;gap:8px}.scale-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:28px 0}.scale-strip .info-card{padding:20px}.scale-strip b{display:block;color:var(--navy);font-size:1.1rem}.scale-strip span{color:var(--muted)}@media(max-width:1100px){.primary-menu>li>a{padding:10px 9px;font-size:.88rem}.header-inner{gap:12px}.brand{font-size:1.15rem}.header-cta .btn{padding:11px 15px}}@media(max-width:980px){.menu{display:block!important;order:3;flex-basis:100%;width:100%}.header-inner{flex-wrap:wrap}.primary-menu{display:grid;grid-template-columns:1fr 1fr;width:100%;gap:8px;padding-bottom:12px}.primary-menu>li>a{background:#f5f9fd;justify-content:center}.primary-menu .sub-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;background:#fff;margin-top:6px;min-width:0}.primary-menu .sub-menu:before{display:none}.scale-strip{grid-template-columns:1fr 1fr}}@media(max-width:620px){.primary-menu{grid-template-columns:1fr}.scale-strip{grid-template-columns:1fr}}


/* FINAL NAV REPAIR v3.1 - compact desktop, clean dropdowns, true mobile drawer */
.site-header{z-index:9999}.header-inner{position:relative;display:flex;align-items:center;gap:18px}.brand{flex:0 0 auto;white-space:nowrap}.nav-toggle{display:none;background:#f1f7fb;border:1px solid #dbe8f3;border-radius:14px;padding:9px 11px;align-items:center;gap:4px;color:var(--navy);font-weight:900;cursor:pointer}.nav-toggle span{display:block;width:20px;height:2px;background:var(--navy);border-radius:2px}.nav-toggle em{font-style:normal;margin-left:4px;font-size:.82rem}.menu{flex:1 1 auto;min-width:0;display:flex!important;justify-content:center;overflow:visible}.primary-menu,.primary-menu ul{list-style:none!important;margin:0!important;padding:0!important}.primary-menu{display:flex!important;align-items:center;justify-content:center;gap:4px;flex-wrap:nowrap;width:auto!important}.primary-menu>li{position:relative;display:block!important;margin:0!important}.primary-menu>li>a{display:flex!important;align-items:center;justify-content:center;padding:10px 10px!important;border-radius:999px;white-space:nowrap;font-size:.88rem;line-height:1.1;font-weight:850;color:#23334d}.primary-menu>li>a:hover,.primary-menu>li.current-menu-item>a,.primary-menu>li.current-menu-ancestor>a{background:#eef8ff;color:var(--blue)}.primary-menu .menu-item-has-children>a:after{content:'▾';font-size:.75rem;color:var(--green);margin-left:6px}.primary-menu .sub-menu{position:absolute!important;top:calc(100% + 10px)!important;left:0!important;display:block!important;width:250px!important;min-width:250px!important;max-width:280px!important;background:#fff!important;border:1px solid #e5edf5!important;border-radius:18px!important;box-shadow:0 20px 50px rgba(16,37,63,.16)!important;padding:10px!important;opacity:0;visibility:hidden;transform:translateY(8px);transition:.16s ease;z-index:10000;overflow:visible}.primary-menu li:hover>.sub-menu,.primary-menu li:focus-within>.sub-menu{opacity:1;visibility:visible;transform:translateY(0)}.primary-menu .sub-menu:before{content:'';position:absolute;top:-10px;left:0;right:0;height:10px}.primary-menu .sub-menu li{display:block!important;width:100%!important}.primary-menu .sub-menu a{display:block!important;width:100%!important;padding:11px 12px!important;border-radius:12px;font-size:.92rem;white-space:normal!important;line-height:1.25;text-align:left}.primary-menu .sub-menu a:hover{background:var(--mint);color:var(--green)}.header-cta{flex:0 0 auto;white-space:nowrap}.header-cta .btn{padding:12px 17px;white-space:nowrap}
@media(min-width:981px) and (max-width:1180px){.container{width:min(1200px,96%)}.brand{font-size:1.05rem}.brand-mark{width:40px;height:40px}.primary-menu>li>a{font-size:.8rem;padding:9px 7px!important}.header-cta .btn{font-size:.86rem;padding:10px 13px}}
@media(max-width:980px){.header-inner{height:72px;flex-wrap:nowrap}.nav-toggle{display:inline-flex;flex-direction:column;justify-content:center}.nav-toggle em{display:none}.menu{display:none!important;position:absolute;top:calc(100% + 10px);left:0;right:0;width:100%;background:#fff;border:1px solid #e2edf7;border-radius:22px;box-shadow:0 24px 60px rgba(16,37,63,.18);padding:12px;max-height:calc(100vh - 105px);overflow:auto;z-index:10001}.body-nav-open .menu,.site-header.nav-open .menu{display:block!important}.primary-menu{display:grid!important;grid-template-columns:1fr!important;gap:6px!important;width:100%!important}.primary-menu>li>a{justify-content:space-between!important;background:#f5f9fd;padding:13px 14px!important;font-size:.96rem}.primary-menu .sub-menu{position:static!important;display:block!important;width:100%!important;min-width:0!important;max-width:none!important;opacity:1!important;visibility:visible!important;transform:none!important;box-shadow:none!important;border:0!important;background:#fff!important;margin:6px 0 8px!important;padding:6px 0 0 12px!important}.primary-menu .sub-menu a{background:#fbfdff;border:1px solid #edf3f8;margin-bottom:6px}.header-cta{margin-left:auto}.header-cta .btn{display:inline-flex!important;padding:10px 13px;font-size:.84rem}.brand b{font-size:1rem}.brand-mark{width:40px;height:40px}}
@media(max-width:620px){.header-inner{gap:8px}.header-cta .btn{display:none!important}.brand b{font-size:.98rem}.nav-toggle{margin-left:auto}.menu{top:calc(100% + 8px)}}