:root{
  color-scheme: light;
  --ink:#0E0E0E; --ink-2:#181715; --ink-3:#2A2823; --gold:#C9A84C; --gold-hi:#D9BC66; --gold-deep:#8F7430;
  --paper:#FFFFFF; --mist:#F2F0EB; --cream:#F6F1E2; --line:#DDD8CB;
  --text:#1B1A17; --muted:#5E5A50; --on-ink:#ECE8DE; --on-ink-muted:#A39E90;
  --display:"Archivo","Arial Narrow",Arial,sans-serif;
  --body:"Public Sans",Arial,Helvetica,sans-serif;
  --w:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--text);font:16px/1.6 var(--body)}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
a{color:inherit}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.in{max-width:var(--w);margin:0 auto}
header.top,section,footer,.band,.crumbs{padding-inline:20px}
h1,h2,h3{font-family:var(--display);text-wrap:balance;margin:0}
.eyebrow{font:700 12.5px/1.2 var(--display);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-deep)}
.dark .eyebrow,.hero .eyebrow{color:var(--gold)}
.sec{padding-block:64px}
.sec-title{font-weight:800;font-size:clamp(26px,3.8vw,40px);line-height:1.04;text-transform:uppercase;letter-spacing:-.01em;margin-top:10px}
.sec-lede{color:var(--muted);max-width:64ch;margin:12px 0 0;font-size:17px}
.btn{display:inline-flex;align-items:center;gap:10px;font:800 14px/1 var(--display);letter-spacing:.08em;text-transform:uppercase;text-decoration:none;border-radius:8px;padding:16px 24px;border:2px solid var(--gold);transition:background .15s,color .15s}
.btn-gold{background:var(--gold);color:var(--ink)}
.btn-gold:hover{background:var(--gold-hi);border-color:var(--gold-hi)}
.btn-line{color:var(--gold)}
.btn-line:hover{background:var(--gold);color:var(--ink)}

header.top{background:var(--ink);border-bottom:4px solid var(--gold);position:sticky;top:env(safe-area-inset-top,0px);z-index:20}
.top .in{display:flex;align-items:center;gap:20px;padding-block:12px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;min-width:0}
.brand img{display:block;flex:none}
.brand b{display:block;font:800 19px/1.05 var(--display);color:var(--gold);white-space:nowrap}
.brand small{display:block;font:600 10.5px/1.3 var(--body);color:var(--on-ink-muted);letter-spacing:.16em;text-transform:uppercase;margin-top:3px}
.top nav{margin-left:auto;display:flex;align-items:center;gap:22px}
.top nav a.lk{color:var(--on-ink);text-decoration:none;font:600 14px var(--body)}
.top nav a.lk:hover{color:var(--gold)}
.top nav .btn{padding:12px 16px;font-size:12.5px}
@media (max-width:960px){.top nav a.lk{display:none}}
@media (max-width:520px){.brand small{display:none}.brand b{font-size:15px;white-space:normal}}

.crumbs{background:var(--ink-2);color:var(--on-ink-muted);font-size:13px}
.crumbs ol{list-style:none;margin:0 auto;padding:10px 0;display:flex;flex-wrap:wrap;gap:6px;max-width:var(--w)}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--ink-3)}
.crumbs a{color:var(--on-ink);text-decoration:none}
.crumbs a:hover{color:var(--gold)}

.hero{background:var(--ink);color:var(--on-ink);padding-block:52px 0}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:48px;align-items:start}
.hero h1{font-weight:900;font-size:clamp(34px,5.6vw,68px);line-height:.95;text-transform:uppercase;letter-spacing:-.02em;color:#fff;margin-top:14px}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero .lede{font-size:clamp(16px,1.7vw,19px);max-width:52ch;margin:20px 0 28px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px}
.facts{border-left:3px solid var(--gold);padding-left:22px;display:grid;gap:16px}
.facts div{display:grid;gap:2px}
.facts span{font:700 11.5px var(--display);letter-spacing:.14em;text-transform:uppercase;color:var(--on-ink-muted)}
.facts strong{font:800 clamp(20px,2.3vw,27px)/1.1 var(--display);color:#fff;font-variant-numeric:tabular-nums}
.strip{margin-top:48px;background:var(--gold);color:var(--ink)}
.strip .in{display:flex;flex-wrap:wrap;gap:8px 28px;justify-content:space-between;padding-block:14px;font:800 clamp(12.5px,1.4vw,15px)/1.3 var(--display);text-transform:uppercase;letter-spacing:.04em}
@media (max-width:860px){.hero-grid{grid-template-columns:1fr;gap:32px}.hero{padding-block:36px 0}}

.local{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);gap:48px;margin-top:28px;align-items:start}
.local p.note{font-size:18px;line-height:1.65;margin:0;max-width:62ch}
.local h3{font:700 12.5px var(--display);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin:0 0 10px}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips > *{font:600 14px var(--body);border:1.5px solid var(--line);background:var(--paper);padding:7px 13px;border-radius:999px;text-decoration:none}
.chips a{border-color:var(--gold);}
.chips a:hover{background:var(--ink);color:var(--gold);border-color:var(--ink)}
.side{display:grid;gap:26px}
@media (max-width:860px){.local{grid-template-columns:1fr;gap:30px}}

.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0;border-radius:12px;overflow:hidden;margin-top:30px;border:2px solid var(--ink)}
.calc form{background:var(--paper);padding:26px;display:grid;gap:16px}
.calc label{display:grid;gap:6px;font:600 13.5px var(--body)}
.calc .money{position:relative}
.calc .money::before{content:"$";position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.calc input{width:100%;font:600 17px var(--body);font-variant-numeric:tabular-nums;border:1.5px solid var(--line);border-radius:6px;padding:11px 12px 11px 24px;background:#FCFBF8;color:var(--text)}
.calc input:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,168,76,.28)}
.calc .out{background:var(--ink);color:var(--on-ink);padding:26px;display:grid;gap:14px;align-content:start}
.calc .out .big span{font:700 11.5px var(--display);letter-spacing:.14em;text-transform:uppercase;color:var(--on-ink-muted)}
.calc .out .big strong{display:block;font:900 clamp(34px,4.4vw,48px)/1 var(--display);color:var(--gold);font-variant-numeric:tabular-nums;margin-top:6px}
.calc dl{margin:0;display:grid;grid-template-columns:1fr auto;gap:8px 16px;font-size:15px;font-variant-numeric:tabular-nums}
.calc dt{color:var(--on-ink-muted)}
.calc dd{margin:0;text-align:right;font-weight:600}
.calc .bind{font-size:13.5px;color:var(--on-ink);border-top:1px solid var(--ink-3);padding-top:12px;margin:0}
.calc .fine{font-size:12px;color:var(--on-ink-muted);font-style:italic;margin:0}
@media (max-width:760px){.calc{grid-template-columns:1fr}}

.progs{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:30px}
.prog{background:var(--mist);border-radius:10px;padding:22px;display:grid;gap:10px;align-content:start;border-top:5px solid var(--gold)}
.prog .tag{font:700 11px var(--display);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-deep)}
.prog .tag.direct{display:inline-block;justify-self:start;background:var(--ink);color:var(--gold);padding:5px 9px;border-radius:4px}
.prog h3{font:800 19px/1.15 var(--display);text-transform:uppercase}
.prog p{margin:0;font-size:14.5px;color:var(--muted)}
.prog ul{margin:0;padding:0;list-style:none;display:grid;gap:5px;font-size:14.5px}
.prog li{padding-left:14px;position:relative}
.prog li::before{content:"";position:absolute;left:0;top:.62em;width:6px;height:6px;background:var(--gold);border-radius:1px}
.network{margin-top:22px;padding:18px 22px;border:1.5px dashed var(--line);border-radius:10px;font-size:15px;color:var(--muted)}
.network b{color:var(--text)}
@media (max-width:980px){.progs{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.progs{grid-template-columns:1fr}}

.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;margin-top:30px;border-top:2px solid var(--gold)}
.steps li{list-style:none;padding:22px 20px 0 0;display:grid;gap:6px;align-content:start}
.steps{padding:0;counter-reset:s}
.steps li::before{counter-increment:s;content:counter(s,decimal-leading-zero);font:900 30px/1 var(--display);color:var(--gold)}
.steps b{font:800 17px var(--display);text-transform:uppercase;color:#fff}
.steps p{margin:0;font-size:14.5px;color:var(--on-ink-muted)}
.dark{background:var(--ink);color:var(--on-ink)}
.dark .sec-title{color:#fff}
.dark .sec-lede{color:var(--on-ink-muted)}
@media (max-width:860px){.steps{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:24px}}
@media (max-width:480px){.steps{grid-template-columns:1fr}}

.faq{margin-top:26px;display:grid;gap:10px;max-width:880px}
.faq details{border:1.5px solid var(--line);border-radius:10px;background:var(--paper)}
.faq summary{cursor:pointer;padding:18px 22px;font:700 17px/1.3 var(--display);list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold-deep);font-size:22px;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0;padding:0 22px 20px;color:var(--muted);max-width:72ch}

.cta{background:var(--gold);color:var(--ink)}
.cta .in{display:flex;flex-wrap:wrap;gap:24px;align-items:center;justify-content:space-between;padding-block:44px}
.cta h2{font-weight:900;font-size:clamp(26px,3.6vw,40px);line-height:1;text-transform:uppercase}
.cta p{margin:10px 0 0;font-size:17px;max-width:54ch}
.cta .btn{background:var(--ink);color:var(--gold);border-color:var(--ink)}
.cta .btn:hover{background:var(--ink-3)}

.allstates{background:var(--cream)}
.allstates .grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:6px 16px;margin-top:20px;font-size:14.5px}
.allstates a{text-decoration:none;color:var(--text);padding:3px 0}
.allstates a:hover{color:var(--gold-deep);text-decoration:underline}
.allstates a[aria-current]{font-weight:700;color:var(--gold-deep)}

footer{background:var(--ink);color:var(--on-ink)}
footer .in{padding-block:34px 38px;display:grid;gap:8px}
footer b{font:800 18px var(--display);color:var(--gold)}
footer .contact{display:flex;flex-wrap:wrap;gap:6px 22px;font-size:15px}
footer .links{display:flex;flex-wrap:wrap;gap:6px 20px;font-size:14px;margin-top:6px}
footer .links a{color:var(--on-ink);text-decoration:none;border-bottom:1px solid var(--gold)}
footer .disc{font-size:12.5px;color:#8C877A;font-style:italic;max-width:100ch;margin:10px 0 0}

/* hub */
.hub-group{margin-top:34px;display:grid;gap:12px}
.hub-states{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:14px;margin-top:26px}
.hub-card{border:1.5px solid var(--line);border-radius:10px;padding:16px 18px;display:grid;gap:6px;align-content:start}
.hub-card > a{font:800 17px var(--display);text-transform:uppercase;text-decoration:none}
.hub-card > a:hover{color:var(--gold-deep)}
.hub-card div{font-size:13.5px;color:var(--muted);display:flex;flex-wrap:wrap;gap:4px 10px}
.hub-card div a{color:var(--gold-deep);font-weight:600}

/* 100% fix & flip calculator: experience + quotes */
.calc form .ff-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 16px}
.calc form .ff-grid .full{grid-column:1/-1}
.calc .plain input,.calc select{width:100%;font:600 17px var(--body);font-variant-numeric:tabular-nums;border:1.5px solid var(--line);border-radius:6px;padding:11px 12px;background:#FCFBF8;color:var(--text);min-height:48px}
.calc select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,168,76,.28)}
.ff-hint{margin:0;font-size:12.5px;color:var(--muted)}
.ffq{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:18px}
.ffq-card{background:var(--paper);border:1.5px solid var(--line);border-radius:12px;padding:22px;display:grid;gap:14px;align-content:start}
.ffq-head{display:flex;justify-content:space-between;align-items:center;gap:10px;flex-wrap:wrap}
.ffq-head h3{font:800 16px var(--display);text-transform:uppercase;letter-spacing:.04em;margin:0}
.ffq-pill{font:700 11px var(--display);letter-spacing:.08em;text-transform:uppercase;padding:5px 10px;border-radius:999px}
.ffq-pill.ok{background:#2F6B3C;color:#fff}
.ffq-pill.warn{background:var(--gold);color:var(--ink)}
.ffq-pill.wait{background:var(--mist);color:var(--muted)}
.ffq-big{font:900 36px/1 var(--display);font-variant-numeric:tabular-nums}
.ffq-card dl{margin:0;display:grid;grid-template-columns:1fr auto;gap:6px 14px;font-size:14.5px;font-variant-numeric:tabular-nums}
.ffq-card dt{color:var(--muted)}
.ffq-card dd{margin:0;text-align:right;font-weight:600}
.ffq-card p{margin:0;color:var(--muted);font-size:14.5px}
.ffq-p{display:grid;gap:2px;padding:10px 0;border-top:1px solid var(--line);font-size:14px}
.ffq-p span{color:var(--muted);font-variant-numeric:tabular-nums}
.ffq .btn{justify-self:start}
.ffq .btn-line{color:var(--ink);border-color:var(--ink)}
.ffq .btn-line:hover{background:var(--ink);color:var(--gold)}
@media (max-width:760px){.ffq,.calc form .ff-grid{grid-template-columns:1fr}}

.ffq-note{font-size:12px;color:var(--muted);margin:10px 0 0}

.badcredit{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:8px 16px;background:linear-gradient(90deg,#C9A84C,#E3C66E,#C9A84C);color:#0E0E0E;text-decoration:none;padding:12px 16px;font:600 15px/1.35 var(--body,"Public Sans",sans-serif);text-align:center;border-bottom:2px solid #0E0E0E}
.badcredit .bc-tag{background:#0E0E0E;color:#C9A84C;font:800 12px var(--display,"Archivo",sans-serif);letter-spacing:.1em;text-transform:uppercase;padding:5px 10px;border-radius:999px}
.badcredit b{font-weight:800}
.badcredit .bc-go{font:800 13px var(--display,"Archivo",sans-serif);letter-spacing:.08em;text-transform:uppercase;text-decoration:underline;text-underline-offset:3px}
.badcredit:hover .bc-go,.badcredit:focus-visible .bc-go{text-decoration-thickness:2px}
.cre90{display:grid;grid-template-columns:auto 1fr auto;gap:18px 28px;align-items:center;background:#0E0E0E;color:#E9E6DD;border-radius:14px;padding:26px 28px;border:1.5px solid #C9A84C}
.cre90 .pct{font:900 clamp(48px,7vw,76px)/.9 var(--display,"Archivo",sans-serif);color:#C9A84C}
.cre90 .pct small{display:block;font:800 13px var(--display,"Archivo",sans-serif);letter-spacing:.12em;color:#BDB7A6;margin-top:6px}
.cre90 h3{margin:0 0 6px;font:800 22px/1.15 var(--display,"Archivo",sans-serif);text-transform:uppercase;color:#fff}
.cre90 p{margin:0;color:#BDB7A6;font-size:15px}
.cre90 .types{margin-top:8px;font-size:13.5px;color:#E6D39B}
.cre90 a{white-space:nowrap}
@media (max-width:760px){.cre90{grid-template-columns:1fr}}
.top nav a.lk,.top nav .btn{white-space:nowrap}
.brand small{white-space:nowrap}
@media (max-width:1200px){.top nav{gap:16px}.top nav a.lk[href="locations.html"],.top nav a.lk[href="index.html#programs"]{display:none}}
/* ---- Loan guide pages (generated by gen/topics.py) ---- */
.guide{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(0,1fr);gap:48px;align-items:start}
.guide .prose h2{font-weight:800;font-size:clamp(22px,2.8vw,30px);line-height:1.1;text-transform:uppercase;letter-spacing:-.01em;margin:38px 0 12px}
.guide .prose h2:first-child{margin-top:0}
.guide .prose p{font-size:17px;line-height:1.7;margin:0 0 14px;max-width:68ch}
.guide .prose ul{padding-left:20px;margin:0 0 16px}.guide .prose li{margin:6px 0;font-size:16.5px}
.guide aside{position:sticky;top:96px;display:grid;gap:16px}
.gbox{border:1px solid var(--line);border-radius:14px;padding:20px;background:var(--mist)}
.gbox.dk{background:var(--ink);color:var(--on-ink);border-color:var(--ink-3);border-top:4px solid var(--gold)}
.gbox h3{font:800 13px var(--display);letter-spacing:.14em;text-transform:uppercase;margin:0 0 12px;color:var(--gold-deep)}
.gbox.dk h3{color:var(--gold)}
.gbox p{margin:0 0 14px;font-size:15px}.gbox .btn{width:100%;justify-content:center;margin-top:8px}
.gbox .btn-line{color:inherit}
.tt{width:100%;border-collapse:collapse;margin:8px 0 22px;font-size:15.5px;background:var(--paper)}
.tt th,.tt td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.tt th{width:42%;font-weight:600;color:var(--muted)}
.tt td{font-weight:700}
.tt caption{text-align:left;font:800 12px var(--display);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);padding-bottom:8px}
.glinks{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:12px;margin-top:26px}
.glinks a{display:block;text-decoration:none;border:1px solid var(--line);border-radius:12px;padding:14px 16px;background:var(--paper);transition:border-color .15s,transform .15s}
.glinks a:hover{border-color:var(--gold);transform:translateY(-2px)}
.glinks a b{display:block;font:800 15px/1.25 var(--display);text-transform:uppercase;letter-spacing:.01em}
.glinks a small{display:block;color:var(--muted);font-size:13px;margin-top:4px}
.dark .glinks a{background:var(--ink-2);border-color:var(--ink-3);color:var(--on-ink)}
.dark .glinks a small{color:var(--on-ink-muted)}
.hubcat{margin-top:44px}.hubcat:first-of-type{margin-top:24px}
.hubcat h2{font-weight:800;font-size:clamp(20px,2.6vw,28px);text-transform:uppercase}
@media (max-width:900px){.guide{grid-template-columns:1fr;gap:28px}.guide aside{position:static}.tt th{width:48%}}
@media (max-width:1220px){.hero>.in{padding-inline:20px}}