:root{--black:#111111;--white:#FFFFFF;--off-white:#F5F5F2;--green:#A8FF3E;--charcoal:#2E2E2B;--border:#DDDDD8}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--off-white);color:var(--black);font-family:"Barlow",sans-serif;font-size:16px;line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
a{color:inherit}
img{max-width:100%;display:block}
.skip{position:absolute;top:-100px;left:0;background:var(--black);color:var(--white);padding:12px 20px;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;z-index:1000;text-decoration:none}
.skip:focus{top:0}
/* NAV (minimal: form page) */
body > nav,.wp-site-blocks > nav{position:fixed;top:0;left:0;right:0;z-index:200;padding:14px 48px;display:flex;justify-content:space-between;align-items:center;background:var(--white);border-bottom:1px solid var(--border)}
.nav-logo img{height:40px;width:auto;display:block}
.nav-back{font-size:13px;font-weight:700;letter-spacing:1px;color:var(--charcoal);text-decoration:none;display:flex;align-items:center;gap:6px;transition:color .2s}
.nav-back:hover{color:var(--black)}
.nav-cta{background:var(--black);color:var(--white);padding:13px 28px;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;text-decoration:none;transition:all .2s}
.nav-cta:hover{background:var(--green);color:var(--black)}
/* PAGE HEADER */
.page-header{background:var(--black);padding:80px 56px 48px;margin-top:60px}
.page-header h1{font-family:"Bebas Neue",sans-serif;font-size:clamp(48px,8vw,96px);line-height:.88;letter-spacing:1px;color:var(--white);margin-bottom:16px}
.page-header h1 em{font-style:normal;color:var(--green)}
.page-header p{font-size:17px;color:rgba(255,255,255,.72);line-height:1.65;max-width:680px}
/* NOTICE BAR */
/* notice: a quiet note aligned to the form column (Sep 14 2026, David: rethink the green band) */
.notice-bar-wrap{background:var(--off-white);max-width:860px;margin:0 auto;padding:40px 56px 0}
.notice-bar{padding:18px 24px 20px;background:var(--white);border:0;border-left:4px solid var(--green);margin:0}
.notice-bar p{font-size:14px;font-weight:400;color:var(--charcoal);line-height:1.6}
.notice-bar strong{display:block;font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--black);margin-bottom:6px}
.notice-bar-wrap+.form-wrap{padding-top:24px}
/* FORM CONTAINER */
.form-wrap{max-width:860px;margin:0 auto;padding:48px 56px 96px}
/* FORM SECTIONS */
.form-section{background:var(--white);border:1px solid var(--border);margin-bottom:2px}
.form-section-head{background:var(--black);padding:16px 28px;display:flex;align-items:center;gap:16px}
.form-section-num{font-family:"Bebas Neue",sans-serif;font-size:24px;color:var(--green);line-height:1;flex-shrink:0}
.form-section-title{font-family:"Barlow Condensed",sans-serif;font-size:15px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--white)}
.form-body{padding:28px}
.form-row{margin-bottom:20px}
.form-row:last-child{margin-bottom:0}
.form-row-2{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:20px}
.form-row-2:last-child{margin-bottom:0}
.form-row-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px;margin-bottom:20px}
/* FORM FIELDS */
label{display:block;font-size:13px;font-weight:700;color:var(--charcoal);letter-spacing:.5px;margin-bottom:6px}
label .req{color:var(--black);margin-left:2px}
input[type="text"],input[type="email"],input[type="tel"],input[type="number"],input[type="date"],select,textarea{
  width:100%;padding:12px 16px;border:2px solid var(--border);font-family:"Barlow",sans-serif;font-size:15px;color:var(--black);background:var(--white);appearance:none;-webkit-appearance:none;transition:border-color .2s;line-height:1.4}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--black)}
input::placeholder,textarea::placeholder{color:#737373}
select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%23111' d='M6 8L0 0h12z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 16px center;background-size:10px;cursor:pointer}
textarea{resize:vertical;min-height:80px}
/* LOAN ROWS (REPEATABLE) */
.loan-row{display:grid;grid-template-columns:2fr 1fr;gap:16px;padding:18px 0;border-top:1px solid var(--border)}
.loan-row:first-of-type{border-top:none;padding-top:8px}
/* TERMS BOX */
.terms-box{height:240px;overflow-y:auto;padding:20px 24px;border:2px solid var(--border);background:var(--off-white);font-size:13px;color:var(--charcoal);line-height:1.7;margin-bottom:20px}
.terms-box p{margin-bottom:12px}
.terms-box p:last-child{margin-bottom:0}
.terms-box strong{color:var(--black);font-weight:700}
/* AGREE ROW */
.agree-row{display:flex;gap:14px;align-items:flex-start;padding:20px 24px;border:2px solid var(--border);background:var(--white);margin-bottom:8px}
.agree-row input[type="checkbox"]{width:20px;height:20px;flex-shrink:0;margin-top:2px;accent-color:var(--black);cursor:pointer}
.agree-row label{font-size:15px;font-weight:600;color:var(--black);letter-spacing:0;cursor:pointer;margin-bottom:0}
/* SUBMIT */
.submit-section{background:var(--white);border:1px solid var(--border);padding:28px;display:flex;flex-direction:column;gap:16px}
.btn-submit{background:var(--black);color:var(--white);padding:20px 48px;font-size:15px;font-weight:700;letter-spacing:2px;text-transform:uppercase;border:none;cursor:pointer;font-family:inherit;transition:all .2s;align-self:flex-start}
.btn-submit:hover{background:var(--green);color:var(--black)}
.submit-note{font-size:13px;color:var(--charcoal);line-height:1.6}
/* TRUST */
.trust{background:var(--black);display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:.4rem 2rem;padding:20px 32px}
.ti-item{display:flex;align-items:center;gap:10px;font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--white);white-space:nowrap}
.tidot{width:6px;height:6px;border-radius:50%;background:var(--green);flex-shrink:0}
@media(max-width:991px){body > nav,.wp-site-blocks > nav{padding:14px 24px}.page-header{padding:72px 24px 40px}.notice-bar-wrap{padding:28px 24px 0}.notice-bar{padding:16px 20px 18px}.form-wrap{padding:32px 24px 72px}.form-row-2,.form-row-3,.loan-row{grid-template-columns:1fr}}
/* ── MOBILE PORTRAIT (Webflow tier ≤478) ── */
@media(max-width:478px){
  body > nav,.wp-site-blocks > nav{padding:32px 20px}
  .page-header{padding:60px 20px 28px}
  .form-wrap{padding:32px 20px 60px}
  footer{padding:32px 20px}
  nav,body > nav,.wp-site-blocks > nav{padding:12px 16px}
  .nav-logo img{height:32px}
  .mobile-menu{padding:72px 20px 32px}
  .mobile-group a{font-size:16px}
  .hero h1{font-size:clamp(38px,12.5vw,54px)}
  .hero-sub{font-size:16px}
  .hero-actions{flex-direction:column;align-items:stretch}
  .hero-actions .btn-p,.hero-actions .btn-s{width:100%;text-align:center;padding-left:24px;padding-right:24px}
  .hero-fine{font-size:12px}
  .stat{padding:22px 16px}
  .stat-num{font-size:40px}
  .stat-lbl{font-size:14px}
  .stat-desc{font-size:13px}
  .eyebrow{font-size:12px;letter-spacing:3px}
  .section-title{font-size:clamp(30px,9.5vw,44px)}
  .section-body{font-size:15px}
  .btn-p{padding:16px 28px;font-size:13px}
  .btn-s{padding:14px 24px;font-size:13px}
  .mq-item{font-size:15px;letter-spacing:2px;padding:0 22px}
  .trust{padding:14px 16px;gap:.25rem .8rem}
  .ti-item{font-size:10px;letter-spacing:1.5px}
  .final h2{font-size:clamp(40px,13vw,60px)}
  .final p{font-size:16px}
  .final-actions .btn-p,.final-actions .btn-s{width:100%}
  .faq-item{padding:22px 18px}
  .faq-q{font-size:18px}
  .inc{padding:26px 20px}
  .person-card{padding:26px 20px}
  .acct-card-header,.holiday-card-header,.prod-card-header,.card-tier-header{padding:18px 16px}
  .acct-card-name,.holiday-card-name{font-size:24px}
  .acct-tagline{padding-left:16px;padding-right:16px}
  .acct-row,.cdfi-row,.gov-row,.rt-row,.rt-head{padding-left:16px;padding-right:16px}
  .qa-row{padding:22px 18px}
  .rate-table th,.rate-table td{padding:12px 10px;font-size:13px}
  .rate-note{padding:12px 12px 16px}
  .dl-list a{padding:14px 14px;font-size:14px}
  .disc{padding:16px 18px}
  .split-dark h2,.holiday-dark h2,.rebrand-dark h2{font-size:clamp(36px,12vw,52px)}
  footer{padding:36px 20px 24px}
  .ft-grid{gap:24px;margin-bottom:32px;padding-bottom:32px}
  .ft-cert{gap:10px 16px}
  .ft-legal{font-size:11px}
  .ft-legal-row{gap:20px}
  .ft-compliance{flex-direction:column;align-items:flex-start;gap:16px}
  main section > div,main section > div > div{min-width:0}
}
@media (prefers-reduced-motion: reduce){*,*::before,*::after{animation-duration:0.01ms !important;animation-iteration-count:1 !important;transition-duration:0.01ms !important;scroll-behavior:auto !important}}
/* CHOICE ROWS */
.field-label{display:block;font-size:13px;font-weight:700;color:var(--charcoal);letter-spacing:.5px;margin-bottom:6px}
.field-help{font-size:12px;color:var(--charcoal);margin-top:6px;line-height:1.5}
.choice-list{display:flex;flex-direction:column;gap:1px;background:var(--border);border:2px solid var(--border);margin-top:6px}
.choice-row{background:var(--white);padding:16px 20px;display:flex;gap:16px;align-items:center;cursor:pointer;transition:background .15s}
.choice-row:hover{background:var(--off-white)}
.choice-row input[type="radio"],.choice-row input[type="checkbox"]{width:20px;height:20px;flex-shrink:0;accent-color:var(--black);cursor:pointer}
.choice-row-content{flex:1}
.choice-row-title{font-family:"Bebas Neue",sans-serif;font-size:20px;color:var(--black);letter-spacing:.5px;line-height:1.1}
.cond{display:none}
.cond.is-on{display:block}
/* footer (site-wide, from savings.html) */
/* ── FOOTER ── */
footer{background:var(--black);padding:64px 56px 40px;color:var(--white)}
.ft-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px;padding-bottom:48px;border-bottom:1px solid #2A2A27}
.ft-brand .ft-logo img{height:36px;width:auto;filter:brightness(0) invert(1);margin-bottom:20px}
.ft-tag{font-family:"Bebas Neue",sans-serif;font-size:22px;color:var(--green);line-height:1.05;margin-bottom:14px;letter-spacing:.5px}
.ft-addr{font-size:13px;color:#888;line-height:1.65}
.ft-addr a{color:#888;text-decoration:none}
.ft-addr a:hover{color:var(--green)}
.ft-col-title{font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--white);margin-bottom:18px}
.ft-col ul{list-style:none}
.ft-col li{margin-bottom:10px}
.ft-col a{font-size:13px;color:#888;text-decoration:none;transition:color .2s}
.ft-col a:hover{color:var(--green)}
.ft-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:24px;margin-bottom:24px}
.ft-cert{display:flex;align-items:center;gap:24px;flex-wrap:wrap;font-size:12px;color:#888;letter-spacing:.5px}
.ft-cert span{display:flex;align-items:center;gap:8px}
.ft-cert .dot{width:5px;height:5px;border-radius:50%;background:var(--green)}
.ft-social{display:flex;gap:14px}
.ft-social a{display:flex;align-items:center;justify-content:center;width:36px;height:36px;border:1px solid #2A2A27;color:#888;transition:all .2s;text-decoration:none}
.ft-social a:hover{background:var(--green);color:var(--black);border-color:var(--green)}
.ft-social svg{width:16px;height:16px}
.ft-legal{font-size:12px;color:#888;line-height:1.7;max-width:1000px}
@media(max-width:991px){footer{padding:48px 24px 32px}.ft-grid{grid-template-columns:1fr 1fr;gap:32px}.ft-brand{grid-column:1/-1}.ft-bottom{flex-direction:column;align-items:flex-start;gap:20px}}
@media(max-width:767px){.ft-grid{grid-template-columns:1fr}}