: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(--white);color:var(--black);font-family:"Barlow",sans-serif;font-size:17px;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 */
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-links{display:flex;align-items:center;gap:28px}
.nav-item{position:relative}
.nav-link{font-size:13px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--charcoal);text-decoration:none;background:none;border:none;cursor:pointer;font-family:inherit;padding:8px 0;display:inline-flex;align-items:center;gap:4px;transition:color .2s}
.nav-link:hover{color:var(--black)}
.nav-link .caret{font-size:9px;opacity:.6;transition:transform .2s}
.nav-item:hover .nav-link .caret,.nav-item:focus-within .nav-link .caret{transform:rotate(180deg)}
.nav-drop{position:absolute;top:100%;left:-16px;background:var(--white);border:1px solid var(--border);min-width:240px;padding:12px 0;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .15s,transform .15s,visibility .15s;box-shadow:0 8px 24px rgba(0,0,0,.08)}
.nav-item:hover .nav-drop,.nav-item:focus-within .nav-drop{opacity:1;visibility:visible;transform:translateY(0)}
.nav-drop a{display:block;padding:10px 24px;font-size:13px;font-weight:600;letter-spacing:.5px;color:var(--charcoal);text-decoration:none;transition:background .15s,color .15s}
.nav-drop a:hover{background:var(--off-white);color:var(--black)}
.nav-drop a.ext::after{content:" ↗︎";font-size:10px;opacity:.5;letter-spacing:0}
.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)}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px;color:var(--charcoal)}
.nav-toggle svg{width:24px;height:24px}
.mobile-menu{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:var(--white);z-index:300;padding:80px 32px 40px;overflow-y:auto}
.mobile-menu.open{display:block}
.mobile-close{position:absolute;top:18px;right:24px;background:none;border:none;cursor:pointer;padding:8px;color:var(--charcoal)}
.mobile-close svg{width:28px;height:28px}
.mobile-group{margin-bottom:32px}
.mobile-group-title{font-family:"Barlow Condensed",sans-serif;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--charcoal);opacity:.6;margin-bottom:12px;padding-bottom:8px;border-bottom:1px solid var(--border)}
.mobile-group a{display:block;padding:10px 0;font-size:17px;font-weight:600;color:var(--black);text-decoration:none}
.mobile-cta-wrap{margin-top:24px;padding-top:24px;border-top:2px solid var(--black)}
.mobile-cta{display:block;background:var(--black);color:var(--white);padding:18px 24px;text-align:center;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;text-decoration:none}

/* HERO */
.hero{background:var(--black);padding:88px 56px 80px;border-bottom:2px solid var(--green);margin-top:60px}
.hero .eyebrow{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:4px;text-transform:uppercase;color:rgba(255,255,255,.5);display:block;margin-bottom:20px}
.hero h1{font-family:"Bebas Neue",sans-serif;font-size:clamp(52px,9vw,120px);line-height:.88;letter-spacing:1px;color:var(--white);margin-bottom:28px}
.hero h1 em{font-style:normal;color:var(--green)}
.hero-sub{font-size:19px;color:rgba(255,255,255,.78);line-height:1.65;max-width:720px;margin-bottom:32px}
.hero-tagline{padding:20px 28px;background:var(--green);border:2px solid var(--green);display:inline-block;max-width:720px}
.hero-tagline p{font-size:16px;font-weight:700;color:var(--black);line-height:1.5}

/* TOPIC JUMP */
.topic-jump-bar{background:#1A1A17;padding:32px 56px;border-bottom:1px solid #2A2A27}
.topic-jump-bar .eyebrow{font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.5);display:block;margin-bottom:14px}
.topic-jump-grid{display:flex;flex-wrap:wrap;gap:16px 0;justify-content:flex-start}
.topic-jump-link{font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:rgba(255,255,255,.7);text-decoration:none;padding-right:24px;margin-right:24px;border-right:1px solid #2A2A27;transition:color .15s;white-space:nowrap;display:inline-flex;align-items:center;gap:8px}
.topic-jump-link:last-child{border-right:none}
.topic-jump-link::before{content:"›";font-family:"Barlow",sans-serif;color:var(--green);font-size:14px;transition:transform .15s}
.topic-jump-link:hover{color:var(--white)}
.topic-jump-link:hover::before{transform:translateX(3px)}

/* TOPIC SECTIONS */
.topics-wrap{max-width:1080px;margin:0 auto;padding:0 56px}
.topic{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start;padding:88px 0;border-bottom:1px solid var(--border)}
.topic:nth-child(even){grid-template-columns:1fr 1fr}
.topic-meta{position:sticky;top:88px}
.topic-num::before{content:attr(data-n)}
.topic-num{font-family:"Bebas Neue",sans-serif;font-size:88px;line-height:1;color:var(--off-white);letter-spacing:.5px;display:block;margin-bottom:16px;-webkit-text-stroke:1px var(--charcoal);text-stroke:1px var(--charcoal)}
.topic-eyebrow{font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:4px;text-transform:uppercase;color:var(--charcoal);display:block;margin-bottom:14px}
.topic h2{font-family:"Bebas Neue",sans-serif;font-size:clamp(36px,4.5vw,60px);line-height:.93;color:var(--black);letter-spacing:.5px;margin-bottom:18px}
.topic-tagline{font-size:18px;font-weight:500;color:var(--black);line-height:1.5;margin-bottom:0}
.topic-content p{font-size:16px;color:var(--charcoal);line-height:1.75;margin-bottom:16px}
.topic-content p:last-child{margin-bottom:0}
.topic-points{display:flex;flex-direction:column;gap:10px;margin:8px 0 18px}
.topic-points li{padding-left:22px;position:relative;color:var(--charcoal);line-height:1.55;font-size:15px}
.topic-points li::before{content:"/";font-family:"Barlow Condensed",sans-serif;font-weight:700;position:absolute;left:0;color:var(--black)}
.topic-callout{padding:18px 22px;background:var(--green);border-left:4px solid var(--black);margin-top:16px;margin-bottom:18px}
.topic-callout p{font-size:14px;font-weight:600;color:var(--black);line-height:1.55;margin-bottom:0}
.topic-callout strong{font-weight:700}
.topic-links{display:flex;flex-direction:column;gap:8px;margin-top:18px}
.topic-link{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--black);text-decoration:none;padding:10px 0;border-bottom:1px solid var(--border);transition:all .15s;display:flex;justify-content:space-between;align-items:center}
.topic-link:hover{padding-left:8px;border-bottom-color:var(--black)}
.topic-link span:last-child{color:var(--green);font-size:16px}

/* PREDATORY WARNING (SPECIAL TREATMENT) */
.topic.warning{background:var(--off-white);margin:0 -56px;padding:88px 56px;border:none}
.topic.warning .topic-num{color:transparent;-webkit-text-stroke:1px #aaa}

/* RESOURCES SECTION */
.resources{background:var(--black);padding:96px 56px;border-top:2px solid var(--green)}
.resources-inner{max-width:1080px;margin:0 auto}
.resources .eyebrow{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:4px;text-transform:uppercase;color:rgba(255,255,255,.5);display:block;margin-bottom:20px}
.resources h2{font-family:"Bebas Neue",sans-serif;font-size:clamp(40px,5.5vw,72px);line-height:.93;color:var(--white);margin-bottom:18px}
.resources-intro{font-size:17px;color:rgba(255,255,255,.7);line-height:1.7;max-width:680px;margin-bottom:56px}
.resources-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:#2A2A27;border:1px solid #2A2A27}
.resource{background:var(--black);padding:32px 36px;transition:background .2s;text-decoration:none;display:block}
.resource:hover{background:#1A1A17}
.resource-name{font-family:"Bebas Neue",sans-serif;font-size:26px;color:var(--white);letter-spacing:.5px;line-height:1;margin-bottom:8px;display:flex;justify-content:space-between;align-items:baseline;gap:16px}
.resource-name span:last-child{color:var(--green);font-size:18px;font-family:"Barlow",sans-serif}
.resource-org{font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:14px;display:block}
.resource-desc{font-size:14px;color:rgba(255,255,255,.7);line-height:1.6}

/* CDFI MISSION */
.cdfi-section{background:var(--off-white);padding:96px 56px;border-bottom:1px solid var(--border)}
.cdfi-inner{max-width:980px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}
.cdfi-section .eyebrow{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:4px;text-transform:uppercase;color:var(--charcoal);display:block;margin-bottom:18px}
.cdfi-section h2{font-family:"Bebas Neue",sans-serif;font-size:clamp(40px,5.5vw,72px);line-height:.93;color:var(--black);margin-bottom:20px}
.cdfi-section p{font-size:17px;color:var(--charcoal);line-height:1.7;margin-bottom:16px}
.cdfi-stats{display:flex;flex-direction:column;gap:1px;background:var(--border);border:1px solid var(--border)}
.cdfi-stat{background:var(--white);padding:24px 28px;display:flex;justify-content:space-between;align-items:baseline;gap:16px}
.cdfi-stat-label{font-size:14px;color:var(--charcoal);line-height:1.4}
.cdfi-stat-value{font-family:"Bebas Neue",sans-serif;font-size:32px;color:var(--black);line-height:1;letter-spacing:.5px;text-align:right;flex-shrink:0}
.cdfi-stat-value.hl{background:var(--green);padding:2px 12px}

/* FINAL CTA */
.final-cta{background:var(--white);padding:80px 56px;border-bottom:1px solid var(--border)}
.final-cta-inner{max-width:1080px;margin:0 auto;display:grid;grid-template-columns:1.2fr 1fr;gap:64px;align-items:center}
.final-cta .eyebrow{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:4px;text-transform:uppercase;color:var(--charcoal);display:block;margin-bottom:18px}
.final-cta h2{font-family:"Bebas Neue",sans-serif;font-size:clamp(44px,6vw,84px);line-height:.93;color:var(--black);margin-bottom:18px}
.final-cta h2 em{font-style:normal;background:var(--green);padding:0 12px}
.final-cta p{font-size:17px;color:var(--charcoal);line-height:1.7;margin-bottom:24px}
.btn-p{background:var(--black);color:var(--white);padding:18px 48px;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;text-decoration:none;display:inline-block;transition:all .2s;margin-right:12px}
.btn-p:hover{background:var(--green);color:var(--black)}
.btn-s{border:2px solid var(--black);color:var(--black);padding:16px 36px;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;text-decoration:none;display:inline-block;transition:all .2s;background:transparent}
.btn-s:hover{background:var(--black);color:var(--white)}
.help-channels{display:flex;flex-direction:column;gap:1px;background:var(--border);border:1px solid var(--border)}
.help-channel{background:var(--off-white);padding:18px 24px;display:flex;justify-content:space-between;align-items:baseline;gap:16px;transition:background .2s;text-decoration:none}
.help-channel:hover{background:var(--green)}
.help-channel-label{font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--charcoal)}
.help-channel-value{font-family:"Bebas Neue",sans-serif;font-size:20px;color:var(--black);line-height:1}

/* 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}

/* 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}
.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){
  nav{padding:14px 24px}
  .nav-links{display:none}
  .nav-toggle{display:flex;align-items:center}
  .hero{padding:84px 24px 56px}
  .hero h1{font-size:clamp(44px,12vw,72px)}
  .topic-jump-bar{padding:24px}
  .topics-wrap{padding:0 24px}
  .topic{grid-template-columns:1fr !important;gap:24px;padding:64px 0}
  .topic-meta{position:static}
  .topic.warning{margin:0 -24px;padding:64px 24px}
  .topic-num{font-size:64px}
  .resources{padding:64px 24px}
  .resources-grid{grid-template-columns:1fr}
  .cdfi-section{padding:64px 24px}
  .cdfi-inner{grid-template-columns:1fr;gap:40px}
  .final-cta{padding:56px 24px}
  .final-cta-inner{grid-template-columns:1fr;gap:40px}
  .trust{padding:16px 20px;gap:.3rem 1rem}
  .ti-item{font-size:11px;letter-spacing:2px}
  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}
}

/* ── MOBILE PORTRAIT (Webflow tier ≤478) ── */
@media(max-width:478px){
  nav{padding:32px 20px}
  .hero{padding:72px 20px 44px}
  .topic.warning{padding:52px 20px}
  .resources{padding:52px 20px}
  .cdfi-section{padding:52px 20px}
  .final-cta{padding:44px 20px}
  footer{padding:36px 20px 24px}
  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}
}

/* ── inline styles from the approved HTML, promoted to classes ── */
.s-e3723c{margin-top:24px !important}