: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:18px;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:rgba(255,255,255,.97);border-bottom:1px solid var(--border);backdrop-filter:blur(8px)}
.nav-logo{display:inline-block;text-decoration:none}
.nav-logo img{height:40px;width:auto}
.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.current{color:var(--black);position:relative}
.nav-link.current::after{content:"";position:absolute;left:0;bottom:-2px;height:2px;width:18px;background:var(--green)}
.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.current{color:var(--black);background:var(--off-white)}
.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-group a.current::before{content:"";display:inline-block;width:8px;height:8px;background:var(--green);margin-right:10px;vertical-align:middle}
.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}

/* ── BUTTONS ── */
.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;border:none;cursor:pointer;font-family:inherit}
.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;cursor:pointer;font-family:inherit}
.btn-s:hover{background:var(--black);color:var(--white)}
.eyebrow{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:4px;text-transform:uppercase;color:var(--charcoal);margin-bottom:16px;display:block}

/* ── HERO ── */
.hero{padding:88px 56px 72px;display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:start;border-bottom:1px solid var(--border)}
.hero h1{font-family:"Bebas Neue",sans-serif;font-size:clamp(48px,9vw,120px);line-height:.88;letter-spacing:1px;margin-bottom:24px;color:var(--black)}
.hero h1 em{font-style:normal;background:var(--green);padding:0 14px;display:inline-block}
.hero-sub{font-size:18px;color:var(--charcoal);line-height:1.65;margin-bottom:28px;max-width:520px}
.hero-fine{font-size:13px;color:var(--charcoal);line-height:1.6;opacity:.85;padding:16px;background:var(--off-white);border-left:3px solid var(--black)}

.jump-cards{display:flex;flex-direction:column;gap:1px;background:var(--border);border:1px solid var(--border)}
.jump-card{background:var(--white);padding:28px 32px;text-decoration:none;color:var(--black);display:flex;justify-content:space-between;align-items:center;gap:16px;transition:background .2s}
.jump-card:hover{background:var(--green)}
.jump-card:hover .jump-arrow{transform:translateX(4px)}
.jump-info{display:flex;flex-direction:column;gap:4px}
.jump-num{font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:#666663}
.jump-name{font-family:"Bebas Neue",sans-serif;font-size:32px;letter-spacing:.5px;line-height:1;color:var(--black)}
.jump-desc{font-size:13px;color:var(--charcoal)}
.jump-arrow{font-size:20px;color:var(--black);transition:transform .2s;flex-shrink:0}

/* ── MARQUEE ── */
.mq-wrap{background:var(--black);overflow:hidden;padding:16px 0}
.mq-track{display:flex;width:max-content;will-change:transform;animation:mq 32s linear infinite}
.mq-item{font-family:"Bebas Neue",sans-serif;font-size:18px;letter-spacing:3px;color:var(--white);padding:0 36px;flex-shrink:0}
.mq-g{display:inline-block;width:8px;height:8px;border-radius:50%;background:var(--green);margin:0 36px 0 33px;font-size:0;line-height:0;color:transparent;position:relative;top:-1.5px}
.mq-item{display:inline-flex;align-items:center;padding:0}
@keyframes mq{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}

/* ── RATE SECTIONS ── */
.rate-section{padding:80px 56px;border-bottom:1px solid var(--border)}
.rate-section.alt{background:var(--off-white)}
.rate-section-header{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:40px;padding-bottom:20px;border-bottom:2px solid var(--black);flex-wrap:wrap;gap:12px}
.rate-section-title{font-family:"Bebas Neue",sans-serif;font-size:clamp(44px,6vw,80px);line-height:1;letter-spacing:.5px;color:var(--black)}
.rate-section-tag{font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:#666663}
.rate-subsection{margin-bottom:48px}
.rate-subsection:last-child{margin-bottom:0}
.rate-sub-label{font-family:"Barlow Condensed",sans-serif;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--charcoal);margin-bottom:16px;display:block}
.rate-sub-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;margin-bottom:16px}
.rate-sub-head .rate-sub-label{margin-bottom:0}
.rate-apply{font-family:"Barlow Condensed",sans-serif;font-size:13px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;background:var(--black);color:var(--white);padding:9px 18px;text-decoration:none;white-space:nowrap;display:inline-block;line-height:1.2;transition:all .2s}
.rate-apply:hover{background:var(--green);color:var(--black)}
.rate-callout-actions{display:flex;flex-wrap:wrap;align-items:center;gap:12px 16px}
.rate-callout-actions .rate-apply{padding:14px 24px;font-size:13px}

/* ── RATE TABLES ── */
.rate-table{border:2px solid var(--black);width:100%;overflow-x:auto}
.rt-head{display:grid;padding:14px 24px;background:var(--black);color:var(--white);font-family:"Barlow Condensed",sans-serif;font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase}
.rt-row{display:grid;padding:16px 24px;border-bottom:1px solid var(--border);align-items:center;transition:background .15s}
.rt-row:last-child{border-bottom:none}
.rt-row:hover{background:var(--off-white)}
.rate-section.alt .rt-row:hover{background:var(--white)}
.rt-product{font-size:15px;font-weight:600;color:var(--black)}
.rt-term{font-size:14px;color:var(--charcoal)}
.rt-note{font-size:13px;color:var(--charcoal);line-height:1.45}
.rt-rate{font-family:"Barlow Condensed",sans-serif;font-size:18px;font-weight:700;color:var(--black);text-align:right;white-space:nowrap}
.rt-rate.hl{background:var(--green);padding:2px 12px;display:inline-block}
.rt-rate.tbd{font-size:13px;font-weight:600;letter-spacing:.5px;color:var(--charcoal);font-family:"Barlow",sans-serif;font-style:italic}
#fees .rt-rate{white-space:normal}
.rate-section-intro{font-size:14px;color:var(--charcoal);line-height:1.65;max-width:820px;margin:-20px 0 36px}

/* 3-column table */
.rt-3{grid-template-columns:1.6fr 1fr 1fr}
/* 4-column table */
.rt-4{grid-template-columns:1.6fr 1.2fr 1fr 1fr}
/* 2-column table */
.rt-2{grid-template-columns:2fr 1fr}

.rate-note{margin-top:14px;font-size:13px;color:var(--charcoal);line-height:1.6;opacity:.9}
.rate-note strong{color:var(--black)}
.rate-note a{color:var(--black);font-weight:700;text-decoration:underline;text-underline-offset:2px}

.rate-2col{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}

.verify-callout{padding:20px 24px;background:var(--green);border:2px solid var(--black);margin-bottom:40px;font-size:14px;color:var(--black);line-height:1.6}
.verify-callout strong{font-weight:700}

/* ── TRUST STRIP ── */
.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}

/* ── FINAL CTA ── */
.final{padding:96px 56px;display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:start;border-bottom:1px solid var(--border)}
.final h2{font-family:"Bebas Neue",sans-serif;font-size:clamp(56px,9vw,140px);line-height:.86;margin-bottom:28px;color:var(--black)}
.final h2 span{background:var(--green);padding:0 12px;display:inline-block}
.final p{font-size:19px;color:var(--charcoal);line-height:1.65;margin-bottom:24px;max-width:520px}
.final-actions{display:flex;flex-direction:column;gap:14px;padding-top:12px}
.final-actions .btn-p,.final-actions .btn-s{text-align:center}
.final-phone{font-size:15px;color:var(--charcoal);text-align:center;padding-top:8px}
.final-phone a{color:var(--black);font-weight:700;text-decoration:none}

/* ── 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}

.reveal{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:translateY(0)}

@media(max-width:991px){
  nav{padding:14px 24px}
  .nav-links{display:none}
  .nav-toggle{display:flex;align-items:center}
  .hero{padding:84px 24px 56px;grid-template-columns:1fr;gap:40px}
  .hero h1{font-size:clamp(44px,12vw,72px)}
  .rate-section{padding:56px 24px}
  .rate-section-title{font-size:clamp(36px,9vw,56px)}
  .rt-3{grid-template-columns:1fr 1fr}
  .rt-3 .rt-note{display:none}
  .rt-4{grid-template-columns:1.2fr 1fr 1fr}
  .rt-4 .rt-note{display:none}
  .rate-2col{grid-template-columns:1fr}
  .trust{padding:16px 20px;gap:.3rem 1rem}
  .ti-item{font-size:11px;letter-spacing:2px}
  .final{padding:72px 24px;grid-template-columns:1fr;gap:36px}
  .final h2{font-size:clamp(48px,12vw,76px)}
  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){
  .rt-3,.rt-4{grid-template-columns:1fr 1fr}
  .ft-grid{grid-template-columns:1fr}
}

/* ── RATE TABLES: tablet keeps 3 columns; card rows on mobile ── */
@media(max-width:991px){.rt-3{grid-template-columns:1.6fr 1fr 1fr}.rt-3 .rt-note{display:block}.rt-head.rt-4 span:nth-child(3){display:none}}
@media(max-width:767px){
  .rt-head{display:none}
  .rt-row,.rt-row.rt-2,.rt-row.rt-3,.rt-row.rt-4{display:grid;grid-template-columns:1fr auto;grid-template-areas:"product rate" "term rate" "note rate";column-gap:16px;row-gap:4px;padding:16px 20px}
  #fees .rt-row{grid-template-columns:minmax(0,1.25fr) minmax(0,1fr)}
  .rt-product{grid-area:product;font-size:16px}
  .rt-term{grid-area:term}
  .rt-note{grid-area:note;display:block!important}
  .rt-rate{grid-area:rate;align-self:center;justify-self:end}
  .rt-term::before,.rt-note::before{content:attr(data-l) ": ";font-family:"Barlow Condensed",sans-serif;font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--charcoal)}
  .rt-term:not([data-l])::before,.rt-note:not([data-l])::before{content:none}
}

/* ── MOBILE PORTRAIT (Webflow tier ≤478) ── */
@media(max-width:478px){
  .rate-sub-head{flex-wrap:wrap;align-items:center}
  .rate-apply{font-size:12px;letter-spacing:2px;padding:8px 14px}
  nav{padding:32px 20px}
  .hero{padding:72px 20px 44px}
  .rate-section{padding:44px 20px}
  .final{padding:60px 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}
  .mq-g{width:7px;height:7px;margin:0 22px 0 20px}
  .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-20fa90{display:flex !important;align-items:center !important;gap:14px !important;margin-bottom:32px !important;flex-wrap:wrap !important}
.s-3db35f{font-size:18px !important;color:var(--charcoal) !important;line-height:1.65 !important;margin-bottom:28px !important;max-width:520px !important}