:root{--ink:#07090c;--blue:#075fd1;--electric:#2f86ff;--sky:#eaf3ff;--paper:#fff;--soft:#f4f7fa;--muted:#5c6876;--line:#cfd8e2}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.5}
a{color:inherit}
.ticker{height:32px;background:var(--ink);color:#fff;display:flex;align-items:center;padding:0 3vw;gap:5vw;font-size:10px;font-weight:900;letter-spacing:.14em}
.ticker span{color:#72adff}
.ticker a{margin-left:auto}
body>header{height:78px;display:flex;align-items:center;justify-content:space-between;padding:0 3vw;background:#fff;border-bottom:1px solid var(--ink);position:sticky;top:0;z-index:20}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand i{display:grid;place-items:center;width:44px;height:44px;background:var(--ink);color:#fff;font-size:11px;font-weight:1000;font-style:normal}
.brand strong{font-size:14px;letter-spacing:.09em}
.brand small{display:block;font-size:7px;color:var(--blue);letter-spacing:.19em}
nav{display:flex;align-items:center;gap:23px}
nav a{font-size:11px;text-decoration:none;font-weight:900;text-transform:uppercase}
.header-guide{border:0;background:transparent;color:inherit;padding:0;font:inherit;font-size:11px;font-weight:900;text-transform:uppercase;cursor:pointer}
.cta{background:var(--blue);color:#fff;padding:13px 18px}
.menu{display:none;background:var(--ink);color:#fff;border:0;padding:11px 14px;font-weight:900}
.hero{min-height:650px;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(360px,.75fr);border-bottom:1px solid var(--ink);background:#fff}
.hero>div{padding:72px 5vw 80px 7vw;position:relative}
.hero>div:after{content:"DIRECT / FAST / CLEAR";position:absolute;right:0;top:50%;writing-mode:vertical-rl;font-size:9px;letter-spacing:.25em;font-weight:900;color:var(--blue)}
.signal,.kicker{font-size:10px;font-weight:900;letter-spacing:.18em;color:var(--blue)}
.hero h1{font-size:clamp(65px,10vw,148px);line-height:.77;letter-spacing:-.085em;margin:45px 0 30px;max-width:850px}
.hero h1:after{content:"";display:block;width:36%;height:9px;background:var(--blue);margin-top:30px}
.lead{font-size:clamp(18px,1.7vw,24px);max-width:650px;color:#37414c}
.actions{display:flex;gap:10px;margin-top:32px}
.button,.outline{display:inline-block;padding:16px 22px;text-decoration:none;font-weight:950;font-size:12px;border:2px solid var(--ink)}
.button{background:var(--blue);border-color:var(--blue);color:#fff}
.outline{background:#fff}
.console{align-self:stretch;margin:0;background:var(--ink);color:#fff;box-shadow:none;display:flex;flex-direction:column}
.console>header{padding:28px 30px;display:flex;justify-content:space-between;border-bottom:1px solid #39414a}
.console header small{color:#8c9bad}
.tabs{display:grid;grid-template-columns:repeat(4,1fr)}
.tabs button{border:0;border-right:1px solid #39414a;border-bottom:1px solid #39414a;background:#11161c;color:#9cabbc;padding:17px 4px;font-weight:900}
.tabs .active{background:var(--blue);color:#fff}
#fit{padding:48px 36px;display:flex;flex-direction:column;justify-content:center;flex:1}
#fit small{color:#72adff;font-weight:900;letter-spacing:.15em}
#fit h2{font-size:clamp(30px,3vw,48px);line-height:1;margin:17px 0}
#fit p{color:#b5c0cc;font-size:15px}
#fit a{font-weight:950;color:#72adff;margin-top:17px}
.console>footer{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid #39414a}
.console footer span{padding:22px 25px;font-size:9px;border-right:1px solid #39414a;color:#9cabbc}
.console footer b{display:block;font-size:16px;color:#fff}
.metrics{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border-bottom:1px solid var(--ink)}
.metrics div{padding:26px 3vw;border-right:1px solid var(--ink)}
.metrics b,.metrics span{display:block}
.metrics b{font-size:27px;color:var(--blue)}
.metrics span{font-size:9px;font-weight:900;letter-spacing:.1em}
.programs{display:grid;grid-template-columns:300px 1fr;padding:100px 5vw 110px;gap:6vw;background:var(--soft)}
.programs>aside{position:sticky;top:110px;align-self:start;border-top:8px solid var(--ink);padding-top:25px}
.programs aside h2,.states h2{font-size:clamp(40px,5vw,68px);line-height:.9;letter-spacing:-.06em}
.programs aside p{color:var(--muted)}
.programs aside a,.ken a{color:var(--blue);font-weight:900}
.program-list{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--ink);border-left:1px solid var(--ink)}
.program-list article{display:flex;flex-direction:column;min-height:330px;padding:31px;border-right:1px solid var(--ink);border-bottom:1px solid var(--ink);background:#fff;transition:.2s}
.program-list article:nth-child(3n){grid-column:1/-1;min-height:260px;background:var(--ink);color:#fff}
.program-list article:hover{background:var(--sky);transform:none}
.program-list article:nth-child(3n):hover{background:#101b2b}
.program-list small{color:var(--blue);font-weight:900}
.program-list article:nth-child(3n) small{color:#72adff}
.program-list h3{font-size:clamp(25px,2.4vw,38px);margin:34px 0 6px}
.program-list p,.program-list li{color:var(--muted);font-size:13px}
.program-list article:nth-child(3n) p,.program-list article:nth-child(3n) li{color:#b9c5d1}
.program-list ul{margin-top:auto;padding-left:18px}
.program-image{display:block;width:100%;height:160px;object-fit:cover;margin:20px 0 0;border:0;transform:none!important;rotate:0deg!important;skew:0deg!important}
.compare{display:grid;grid-template-columns:.42fr .58fr;border-top:1px solid var(--ink);border-bottom:1px solid var(--ink)}
.compare>div{padding:60px 7vw;display:flex;flex-direction:column;gap:14px}
.compare>div:first-child{background:#fff;color:#9ba4ad}
.compare>div:last-child{background:var(--blue);color:#fff}
.compare b,.compare s{font-size:clamp(18px,2.2vw,32px)}
.states{display:grid;grid-template-columns:1fr 1fr;gap:9vw;padding:110px 7vw;background:#fff}
.states p:last-child{color:var(--muted);font-size:18px}
.board{display:grid;grid-template-columns:repeat(3,1fr);align-content:center;transform:rotate(-1.5deg)}
.board b{border:1px solid var(--ink);padding:28px;text-align:center;font-size:25px;background:#fff}
.board b:nth-child(2),.board b:nth-child(6),.board b:nth-child(7){background:var(--sky);color:var(--blue)}
.board span{grid-column:1/-1;background:var(--ink);color:#fff;text-align:center;padding:18px;font-weight:950}
.reviews{display:grid;grid-template-columns:1.15fr .85fr;background:var(--ink);color:#fff}
.reviews blockquote{margin:0;padding:75px 7vw;font-size:clamp(22px,3vw,40px);font-weight:800;line-height:1.2;border-right:1px solid #39414a}
.reviews blockquote:last-child{background:var(--sky);color:var(--ink);font-size:clamp(19px,2.4vw,31px)}
.reviews cite{display:block;font-size:9px;color:#79aff4;margin-top:28px;letter-spacing:.1em}
.ken{display:grid;grid-template-columns:.65fr 1.35fr;gap:7vw;align-items:center;padding:105px 9vw;background:#fff}
.kv{font-size:clamp(120px,24vw,340px);font-weight:1000;letter-spacing:-.13em;color:var(--blue);line-height:.8;border-right:1px solid var(--ink)}
.ken h2,.apply h2{font-size:clamp(48px,7vw,94px);line-height:.85;letter-spacing:-.07em;margin:20px 0}
.ken p{color:#4e5a67;font-size:18px}
.faq{padding:95px 12vw;background:var(--soft)}
.faq details{border-top:1px solid var(--ink)}
.faq details:last-child{border-bottom:1px solid var(--ink)}
.faq summary{padding:23px 0;font-size:clamp(18px,2vw,26px);font-weight:900;display:flex;justify-content:space-between;cursor:pointer}
.faq summary span{color:var(--blue)}
.faq details p{color:var(--muted)}
.apply{padding:95px 7vw;display:grid;grid-template-columns:.8fr 1.2fr;gap:7vw;background:#fff;border-top:10px solid var(--blue)}
.apply>div>a{display:block;font-size:19px;font-weight:900;color:var(--blue)}
.apply form{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.apply label{font-size:10px;font-weight:950}
.apply input,.apply select,.apply textarea{display:block;width:100%;margin-top:7px;border:1px solid var(--ink);background:#fff;padding:14px;font:inherit}
.apply input:focus,.apply select:focus,.apply textarea:focus{outline:3px solid #bcd9ff}
.apply .wide,.apply form small{grid-column:1/-1}
.apply button{border:0}
.site-footer{padding:50px 4vw;display:grid;grid-template-columns:1fr auto;gap:25px;background:var(--ink);color:#fff}
.site-footer>div:nth-child(2){display:flex;gap:18px}
.site-footer>small{grid-column:1/-1;color:#8d9aaa}
@media(max-width:900px){.menu{display:block}
nav{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;padding:24px;flex-direction:column;align-items:stretch;border-bottom:1px solid var(--ink)}
nav.open{display:flex}
.hero,.programs,.states,.ken,.apply{grid-template-columns:1fr}
.hero>div:after{display:none}
.console{min-height:520px}
.programs{padding:75px 5vw}
.programs>aside{position:static}
.metrics{grid-template-columns:1fr 1fr}
.reviews{grid-template-columns:1fr}
.kv{border-right:0;text-align:center}
.ticker b{display:none}
}
@media(max-width:600px){.ticker span{display:none}
.brand strong{font-size:11px}
.hero>div{padding:60px 5vw}
.hero h1{font-size:63px;margin-top:35px}
.program-list{grid-template-columns:1fr}
.program-list article:nth-child(3n){grid-column:1}
.program-list article{min-height:290px}
.compare{grid-template-columns:1fr}
.apply form{grid-template-columns:1fr}
.apply label,.apply .wide{grid-column:1}
.actions{flex-direction:column}
.site-footer{grid-template-columns:1fr}
.site-footer>small{grid-column:1}
.site-footer>div:nth-child(2){flex-wrap:wrap}
}

.brand-logo{display:block;width:min(255px,31vw);height:58px;object-fit:contain;object-position:left center}
.brand-dark .brand-logo{filter:grayscale(1) brightness(0) invert(1)}
@media(max-width:600px){.brand-logo{width:180px;height:46px}
}

.board,.board b,.board span,.program-list,.program-list article,.compare,.compare>div,.metrics,.metrics>div,.tabs,.tabs>button,.console,.reviews,.reviews blockquote,.apply form,.apply label{transform:none!important;rotate:0deg!important;skew:0deg!important}

.calculator{display:grid;grid-template-columns:.8fr 1.2fr;gap:7vw;padding:90px 7vw;background:var(--ink);color:#fff}
.calculator h2,.readiness h2{font-size:clamp(42px,6vw,78px);line-height:.88;letter-spacing:-.06em;margin:18px 0}
.calculator>div p:last-child{color:#b5c0cc;max-width:560px}
.calculator form{display:grid;grid-template-columns:1fr 1fr;gap:14px;align-content:center}
.calculator label{font-size:10px;font-weight:950}
.calculator input{display:block;width:100%;margin-top:7px;padding:15px;border:1px solid #607084;background:#11161c;color:#fff;font:inherit}
.calculator .outline{grid-column:1/-1;cursor:pointer}
.calculator output{grid-column:1/-1;display:block;padding:20px;border-left:6px solid var(--electric);background:#11161c;font-size:18px;font-weight:900}
.readiness{padding:95px 7vw;background:#fff}
.readiness>h2{max-width:850px}
.readiness-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--ink);border-left:1px solid var(--ink);margin-top:45px}
.readiness-grid article{padding:28px;border-right:1px solid var(--ink);border-bottom:1px solid var(--ink)}
.readiness-grid b{color:var(--blue)}
.readiness-grid h3{font-size:24px;margin:32px 0 8px}
.readiness-grid p{color:var(--muted)}
.readiness-actions{display:flex;gap:10px;margin-top:28px}
.response-note{margin-top:28px;padding:15px;border-left:5px solid var(--blue);background:var(--sky);font-size:14px}
.consent{display:flex!important;gap:10px;align-items:flex-start;font-size:13px!important;font-weight:700!important}
.consent input{width:auto;margin:3px 0 0}
.lead-dock{position:fixed;z-index:30;right:18px;bottom:18px;display:flex;box-shadow:0 12px 35px #0003}
.lead-dock a,.lead-dock button{border:0;padding:14px 16px;background:var(--ink);color:#fff;text-decoration:none;font-weight:950;font-size:11px;cursor:pointer}
.lead-dock a:nth-child(2),.lead-dock button{background:var(--blue)}
.answer-desk{position:fixed;z-index:40;right:18px;bottom:76px;width:min(390px,calc(100vw - 36px));background:#fff;border:2px solid var(--ink);box-shadow:0 20px 55px #0004}
.answer-desk[hidden]{display:none}
.answer-desk header{display:flex;justify-content:space-between;align-items:center;padding:18px;background:var(--ink);color:#fff}
.answer-desk header button{border:0;background:transparent;color:#fff;font-size:25px;cursor:pointer}
.answer-desk>p,.answer-desk>output,.answer-desk>a{margin:16px;display:block}
.answer-options{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.answer-options button{border:0;background:#fff;padding:14px;text-align:left;font-weight:850;cursor:pointer}
.answer-options button:hover,.answer-options button:focus{background:var(--sky)}
.answer-desk output{min-height:68px;color:var(--muted)}
#deal-status{grid-column:1/-1;font-weight:800;color:var(--blue)}
@media(max-width:900px){.calculator{grid-template-columns:1fr}
.readiness-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){.calculator form,.readiness-grid{grid-template-columns:1fr}
.calculator .outline,.calculator output{grid-column:1}
.readiness-actions{flex-direction:column}
.lead-dock{left:0;right:0;bottom:0}
.lead-dock>*{flex:1;text-align:center}
.site-footer{padding-bottom:105px}
}
.skip-link{position:fixed;left:12px;top:-70px;z-index:100;background:#fff;color:#000;padding:12px 16px;border:3px solid #000;font-weight:900}
.skip-link:focus{top:12px}.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.program-visuals{padding:90px 5vw;background:#fff}.program-visuals h2,.loan-faq h2{font-size:clamp(38px,5vw,68px);line-height:.92;letter-spacing:-.055em;max-width:820px}.visual-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--ink);border-left:1px solid var(--ink);margin-top:40px}.visual-grid figure{margin:0;border-right:1px solid var(--ink);border-bottom:1px solid var(--ink);background:#fff}.visual-grid img{display:block;width:100%;height:260px;object-fit:cover}.visual-grid figcaption{display:flex;flex-direction:column;gap:5px;padding:20px}.visual-grid figcaption b{font-size:19px}.visual-grid figcaption span{font-size:13px;color:var(--muted)}.loan-faq{background:#fff}
.accessibility-toggle{position:fixed;z-index:35;bottom:18px;border:2px solid var(--ink);background:#fff;color:#000;left:18px;width:58px;height:58px;padding:0;border-radius:50%;display:grid;place-items:center;cursor:pointer;box-shadow:0 12px 35px #0003}.accessibility-toggle svg{width:50px;height:50px;display:block}.accessibility-ring{fill:none;stroke:currentColor;stroke-width:5}.accessibility-head{fill:currentColor}.accessibility-person{fill:none;stroke:currentColor;stroke-width:6;stroke-linecap:round;stroke-linejoin:round}.accessibility-panel,.guide-panel{position:fixed;z-index:45;width:min(420px,calc(100vw - 36px));background:#fff;border:2px solid var(--ink);box-shadow:0 20px 55px #0004}.accessibility-panel{left:18px;bottom:76px}.guide-panel{right:18px;top:92px}.accessibility-panel[hidden],.guide-panel[hidden]{display:none}.accessibility-panel header,.guide-panel header{display:flex;align-items:center;justify-content:space-between;padding:16px;background:var(--ink);color:#fff}.accessibility-panel header button,.guide-panel header button{border:0;background:transparent;color:#fff;font-size:25px;cursor:pointer}.a11y-controls{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line)}.a11y-controls button{border:0;background:#fff;padding:14px;text-align:left;font-weight:850;cursor:pointer}.a11y-controls button:focus,.a11y-controls button:hover{background:var(--sky)}.accessibility-panel>p,.guide-content{padding:0 18px 18px}.guide-content{max-height:60vh;overflow:auto}.guide-content a{color:var(--blue);font-weight:900}
.a2g-credit{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none;font-size:9px;font-weight:900;letter-spacing:.12em}.a2g-credit img{width:155px;height:auto;background:#fff;padding:6px}.site-footer{grid-template-columns:1fr auto auto}.site-footer>small{grid-column:1/-1}
html.a11y-contrast{--ink:#000;--blue:#0050b8;--electric:#0050b8;--sky:#fff;--paper:#fff;--soft:#fff;--muted:#111;--line:#000}html.a11y-grayscale{filter:grayscale(1)}html.a11y-links a{text-decoration:underline!important;text-decoration-thickness:2px!important}html.a11y-motion *,html.a11y-motion *:before,html.a11y-motion *:after{scroll-behavior:auto!important;animation:none!important;transition:none!important}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;animation:none!important;transition:none!important}}@media(max-width:900px){.visual-grid{grid-template-columns:1fr}.visual-grid img{height:auto}.site-footer{grid-template-columns:1fr}.a2g-credit,.site-footer>small{grid-column:1}.header-guide{text-align:left;padding:8px 0}}@media(max-width:600px){.accessibility-toggle{bottom:58px;left:6px}.accessibility-panel{left:9px;bottom:112px}.guide-panel{left:9px;right:auto;top:88px}.a11y-controls{grid-template-columns:1fr 1fr}}