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:root{--gold:#b8925e;--gold-ink:#7a5a2e;--gold-soft:#e8dcc8;--slate:#4a5854;--slate-deep:#2f3a37;--ink:#1f2624;--sand:#d8cdc0;--sand-deep:#c9bba9;--paper:#f5f1eb;--stone:#d7d6d6;--line:#d9d2c7;--white:#fff;--muted:#5d6865;--red:#a3341f;--radius:14px;--wrap:1200px;--font:"Inter Variable", "Helvetica Neue", Arial, sans-serif}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{font-family:var(--font);color:var(--slate-deep);background:var(--paper);font-feature-settings:"ss01", "cv11";margin:0;font-size:17px;line-height:1.6}img{max-width:100%;display:block}a{color:inherit}button,input,textarea{font:inherit;color:inherit}h1,h2,h3,h4{letter-spacing:-.02em;color:var(--ink);margin:0 0 .5em;font-weight:450;line-height:1.12}h1{letter-spacing:-.035em;font-size:clamp(2.3rem,5vw,4.1rem)}h2{letter-spacing:-.03em;font-size:clamp(1.8rem,3.4vw,2.75rem)}h3{font-size:1.35rem}p{margin:0 0 1em}.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}.sr{clip:rect(0 0 0 0);white-space:nowrap;width:1px;height:1px;position:absolute;overflow:hidden}.lead{color:var(--slate);max-width:46ch;font-size:1.15rem}.muted{color:var(--muted)}.small{font-size:.88rem}.btn{cursor:pointer;border:1.5px solid #0000;border-radius:999px;justify-content:center;align-items:center;gap:10px;min-height:50px;padding:0 24px;font-size:1rem;font-weight:560;text-decoration:none;transition:background .18s,color .18s,border-color .18s,transform .18s;display:inline-flex}.btn:active{transform:translateY(1px)}.btn-gold{background:var(--gold);color:var(--ink)}.btn-gold:hover{background:#a9834f}.btn-dark{background:var(--slate);color:#fff}.btn-dark:hover{background:var(--slate-deep)}.btn-line{border-color:var(--slate);color:var(--slate-deep);background:0 0}.btn-line:hover{background:var(--slate);color:#fff}.btn-light{color:#fff;border-color:#ffffffb3}.btn-light:hover{color:var(--slate-deep);background:#fff}.btn svg{flex:none;width:18px;height:18px}:focus-visible{outline:3px solid var(--gold);outline-offset:3px}.top{background:var(--slate-deep);color:#e9e4dc;font-size:.86rem}.top .wrap{justify-content:flex-end;align-items:center;gap:22px;min-height:36px;display:flex}.top a{color:#e9e4dc;text-decoration:none}.top a:hover{color:#fff;text-decoration:underline}.hdr{z-index:50;-webkit-backdrop-filter:saturate(1.4)blur(8px);backdrop-filter:saturate(1.4)blur(8px);border-bottom:1px solid var(--line);background:#f5f1ebf5;position:sticky;top:0}.hdr .wrap{align-items:center;gap:28px;min-height:78px;display:flex}.hdr .logo img{width:auto;height:40px}.nav{gap:4px;margin-left:auto;display:flex}.nav a{color:var(--slate-deep);border-radius:999px;padding:10px 14px;font-weight:500;text-decoration:none}.nav a:hover{background:var(--gold-soft)}.nav a[aria-current=page]{background:var(--sand)}.hdr .btn{min-height:44px}.burger{border:1.5px solid var(--line);cursor:pointer;background:#fff;border-radius:12px;justify-content:center;align-items:center;width:48px;height:48px;margin-left:auto;display:none}.burger span,.burger span:before,.burger span:after{background:var(--slate-deep);width:20px;height:2px;transition:all .2s;display:block;position:relative}.burger span:before,.burger span:after{content:"";position:absolute;left:0}.burger span:before{top:-6px}.burger span:after{top:6px}.burger[aria-expanded=true] span{background:0 0}.burger[aria-expanded=true] span:before{top:0;transform:rotate(45deg)}.burger[aria-expanded=true] span:after{top:0;transform:rotate(-45deg)}.mnav{background:var(--paper);z-index:49;flex-direction:column;gap:4px;padding:18px 20px 32px;display:flex;position:fixed;bottom:0;left:0;right:0;overflow-y:auto}.mnav a.mlink{border-bottom:1px solid var(--line);min-height:58px;color:var(--ink);align-items:center;padding:0 6px;font-size:1.3rem;text-decoration:none;display:flex}.mnav .btn{margin-top:18px}.mnav .mcontact{gap:10px;margin-top:22px;font-size:.95rem;display:grid}.mnav .mcontact a{border:1px solid var(--line);background:#fff;border-radius:12px;align-items:center;min-height:52px;padding:0 16px;font-weight:500;text-decoration:none;display:flex}@media (max-width:960px){.nav,.hdr .hdr-cta{display:none}.burger{display:inline-flex}.top .hide-s{display:none}.hdr .wrap{min-height:66px}.hdr .logo img{height:34px}}.ftr{background:var(--slate);color:#eef0ee;margin-top:0}.ftr a{color:#fff}.ftr .wrap{padding-top:64px;padding-bottom:28px}.ftr-grid{grid-template-columns:1.3fr 1fr 1fr 1fr;gap:40px;display:grid}.ftr h4{color:#fff;letter-spacing:0;margin-bottom:14px;font-size:1rem;font-weight:600}.ftr ul{gap:8px;margin:0;padding:0;list-style:none;display:grid}.ftr ul a{text-decoration:none}.ftr ul a:hover{text-decoration:underline}.ftr .flogo{width:auto;height:44px;margin-bottom:18px}.ftr-bottom{color:#e3e6e4;border-top:1px solid #fff3;flex-wrap:wrap;justify-content:space-between;gap:12px 28px;margin-top:48px;padding-top:22px;font-size:.85rem;display:flex}@media (max-width:860px){.ftr-grid{grid-template-columns:1fr 1fr}}@media (max-width:520px){.ftr-grid{grid-template-columns:1fr}}.sec{padding:96px 0}.sec-tight{padding:64px 0}.sec-white{background:#fff}.sec-sand{background:var(--sand)}.sec-head{flex-wrap:wrap;justify-content:space-between;align-items:end;gap:24px;margin-bottom:42px;display:flex}.sec-head p{max-width:52ch;color:var(--slate);margin:0}@media (max-width:700px){.sec{padding:64px 0}}.phead{background:var(--sand);padding:64px 0 56px}.phead h1{max-width:18ch}.phead p{max-width:58ch;color:var(--slate-deep);margin:0;font-size:1.12rem}.crumb{color:var(--slate-deep);margin-bottom:18px;font-size:.9rem}.crumb a{text-decoration:none}.crumb a:hover{text-decoration:underline}.field{gap:7px;display:grid}.field>span,.field>label,.flabel{color:var(--ink);font-size:.95rem;font-weight:560}.field small{color:var(--muted);font-size:.84rem}.input{width:100%;min-height:52px;color:var(--ink);background:#fff;border:1.5px solid #c8c0b4;border-radius:12px;padding:12px 16px;font-size:1rem;transition:border-color .15s,box-shadow .15s}textarea.input{resize:vertical;min-height:130px}.input:focus{border-color:var(--slate);outline:none;box-shadow:0 0 0 4px #4a585426}.input[aria-invalid=true]{border-color:var(--red)}.err{color:var(--red);font-size:.86rem;font-weight:500}.grid2{grid-template-columns:1fr 1fr;gap:18px;display:grid}@media (max-width:640px){.grid2{grid-template-columns:1fr}}.check{cursor:pointer;align-items:flex-start;gap:12px;padding:6px 0;display:flex}.check input{opacity:0;width:1px;height:1px;position:absolute}.check .box{background:#fff;border:1.5px solid #a99f92;border-radius:7px;flex:none;place-items:center;width:24px;height:24px;margin-top:1px;transition:all .15s;display:grid}.check .box svg{opacity:0;color:#fff;width:14px;height:14px}.check input:checked+.box{background:var(--slate);border-color:var(--slate)}.check input:checked+.box svg{opacity:1}.check input:focus-visible+.box{outline:3px solid var(--gold);outline-offset:2px}.demo-note{background:var(--gold-soft);color:var(--ink);border-radius:12px;align-items:flex-start;gap:10px;padding:14px 16px;font-size:.9rem;display:flex}.demo-note svg{width:20px;height:20px;color:var(--gold-ink);flex:none;margin-top:2px}.sel{position:relative}.sel-btn{text-align:left;cursor:pointer;width:100%;min-height:52px;color:var(--ink);background:#fff;border:1.5px solid #c8c0b4;border-radius:12px;padding:10px 44px 10px 16px;font-size:1rem;position:relative}.sel-btn:after{content:"";border-right:2px solid var(--slate);border-bottom:2px solid var(--slate);width:9px;height:9px;transition:transform .15s;position:absolute;top:50%;right:18px;transform:translateY(-70%)rotate(45deg)}.sel-btn[aria-expanded=true]{border-color:var(--slate);box-shadow:0 0 0 4px #4a585426}.sel-btn[aria-expanded=true]:after{transform:translateY(-25%)rotate(-135deg)}.sel-btn .ph{color:var(--muted)}.sel-list{z-index:30;border:1px solid var(--line);background:#fff;border-radius:12px;max-height:290px;margin:0;padding:6px;list-style:none;position:absolute;top:calc(100% + 6px);left:0;right:0;overflow-y:auto;box-shadow:0 18px 40px -12px #1f262447}.sel-list li{cursor:pointer;color:var(--ink);border-radius:8px;justify-content:space-between;gap:10px;padding:11px 12px;display:flex}.sel-list li[aria-selected=true]{font-weight:600}.sel-list li[aria-selected=true]:after{content:"✓";color:var(--slate)}.sel-list li.active{background:var(--gold-soft)}.sel-search{border:1px solid var(--line);border-radius:8px;width:100%;min-height:44px;margin-bottom:6px;padding:8px 12px}.range{appearance:none;cursor:pointer;--p:50%;background:0 0;width:100%;height:28px}.range::-webkit-slider-runnable-track{background:linear-gradient(to right, var(--slate) var(--p), #2f3a372e var(--p));border-radius:3px;height:6px}.range::-moz-range-track{background:#2f3a372e;border-radius:3px;height:6px}.range::-moz-range-progress{background:var(--slate);border-radius:3px;height:6px}.range::-webkit-slider-thumb{-webkit-appearance:none;border:2px solid var(--slate);background:#fff;border-radius:50%;width:26px;height:26px;margin-top:-10px;box-shadow:0 2px 6px #0000002e}.range::-moz-range-thumb{border:2px solid var(--slate);background:#fff;border-radius:50%;width:22px;height:22px}.range:focus-visible{outline:none}.range:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 5px #b8925e8c}.seg{background:#2f3a3714;border-radius:999px;flex-wrap:wrap;gap:2px;padding:4px;display:inline-flex}.seg button{cursor:pointer;color:var(--slate-deep);background:0 0;border:0;border-radius:999px;min-height:40px;padding:9px 16px;font-size:.93rem;font-weight:560}.seg button[aria-pressed=true],.seg button[aria-selected=true]{color:var(--ink);background:#fff;box-shadow:0 1px 4px #1f262429}.faq{border-top:1px solid var(--line)}.faq details{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;color:var(--ink);padding:22px 44px 22px 0;font-size:1.12rem;font-weight:520;list-style:none;position:relative}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"";border-right:2px solid var(--slate);border-bottom:2px solid var(--slate);width:12px;height:12px;transition:transform .2s;position:absolute;top:50%;right:8px;transform:translateY(-75%)rotate(45deg)}.faq details[open] summary:after{transform:translateY(-25%)rotate(-135deg)}.faq .a{max-width:70ch;color:var(--slate-deep);padding:0 0 22px}.modal-bg{z-index:100;background:#1f26248c;place-items:center;padding:16px;display:grid;position:fixed;inset:0}.modal{background:#fff;border-radius:18px;flex-direction:column;width:min(980px,100%);max-height:92vh;display:flex;overflow:hidden}.modal-h{border-bottom:1px solid var(--line);justify-content:space-between;align-items:center;gap:12px;padding:20px 24px;display:flex}.modal-h h2{margin:0;font-size:1.4rem}.modal-b{padding:0 24px 24px;overflow:auto}.xbtn{border:1px solid var(--line);cursor:pointer;background:#fff;border-radius:50%;flex:none;width:44px;height:44px;font-size:1.3rem}table.tbl{border-collapse:collapse;font-variant-numeric:tabular-nums;width:100%;font-size:.92rem}.tbl th,.tbl td{text-align:right;white-space:nowrap;border-bottom:1px solid #eee8df;padding:9px 10px}.tbl th:first-child,.tbl td:first-child,.tbl th:nth-child(2),.tbl td:nth-child(2){text-align:left}.tbl thead th{color:var(--ink);border-bottom:2px solid var(--line);background:#fff;font-weight:600;position:sticky;top:0}@media print{.hdr,.top,.ftr,.no-print{display:none!important}.modal-bg{background:0 0;padding:0;position:static}.modal{max-height:none;box-shadow:none}.modal-b{overflow:visible}}
.split{grid-template-columns:1fr 1.25fr;align-items:start;gap:56px;display:grid}.split>div>p{color:var(--slate-deep)}@media (max-width:900px){.split{grid-template-columns:1fr;gap:28px}}.cmp{border:1px solid var(--line);background:#fff;border-radius:18px;padding:24px}.cmp-top{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:14px;margin-bottom:14px;display:flex}.cmp-chart svg{touch-action:pan-y;width:100%;height:auto;display:block}.cmp-legend{grid-template-columns:1fr 1fr;gap:16px;margin-top:12px;display:grid}.cmp-legend>div{grid-template-columns:16px 1fr;align-items:center;column-gap:10px;display:grid}.cmp-legend>div>:not(.sw){grid-column:2}.cmp-legend .sw{border-radius:2px;grid-row:1;width:16px;height:4px}.cmp-legend strong{color:var(--ink);font-weight:600}@media (max-width:560px){.cmp{padding:16px}.cmp-legend{grid-template-columns:1fr}}.age{background:var(--sand);border-radius:18px;gap:20px;padding:28px;display:grid}.age-in{grid-template-columns:220px 1fr;align-items:end;gap:24px;display:grid}.age-out{color:var(--ink);margin:0;padding-bottom:12px;font-size:1.15rem}.age-bar{grid-template-columns:repeat(15,1fr);gap:4px;display:grid}.age-bar span{height:44px;color:var(--slate-deep);background:#fff9;border-radius:6px;place-items:center;font-size:.8rem;font-weight:600;display:grid}.age-bar .old,.age-key .old{background:var(--slate);color:#fff}.age-bar .loan,.age-key .loan{background:var(--gold);color:var(--ink)}.age-bar .maybe,.age-key .maybe{background:repeating-linear-gradient(135deg, var(--gold) 0 5px, #e8dcc8 5px 10px);color:var(--ink)}.age-key{color:var(--ink);flex-wrap:wrap;gap:20px;display:flex}.age-key span{align-items:center;gap:8px;display:inline-flex}.age-key i{border-radius:4px;width:16px;height:16px;display:inline-block}@media (max-width:640px){.age{padding:20px}.age-in{grid-template-columns:1fr;gap:10px}.age-bar span{height:34px;font-size:.7rem}}.cards{grid-template-columns:repeat(3,1fr);gap:20px;display:grid}.card{border:1px solid var(--line);background:#fff;border-radius:16px;padding:26px}.card h3{font-size:1.2rem}.card p{color:var(--slate-deep);margin-bottom:.6em}.card p:last-child{margin-bottom:0}.card .ic{background:var(--sand);width:52px;height:52px;color:var(--slate);border-radius:12px;place-items:center;margin-bottom:18px;display:grid}.card .ic svg{width:28px;height:28px}@media (max-width:900px){.cards{grid-template-columns:1fr}}.split-bar{border-radius:12px;grid-template-columns:65fr 35fr;margin:18px 0 10px;display:grid;overflow:hidden}.split-bar div{padding:16px 18px}.split-bar div:first-child{color:var(--ink);background:#fff}.split-bar div:last-child{background:var(--gold);color:var(--ink)}.split-bar strong{font-size:1.05rem;display:block}.split-bar span{font-size:.88rem}@media (max-width:560px){.split-bar{grid-template-columns:1fr}}.fee-tbl{border-collapse:collapse;font-variant-numeric:tabular-nums;width:100%}.fee-tbl caption{text-align:left;color:var(--ink);padding:0 0 12px;font-size:1.25rem;font-weight:500}.fee-tbl th,.fee-tbl td{border-bottom:1px solid var(--line);text-align:left;vertical-align:top;padding:14px 0}.fee-tbl td:last-child{text-align:right;white-space:nowrap;color:var(--ink);padding-left:16px;font-weight:600}.fee-tbl th{color:var(--slate-deep);font-weight:400}.fee-tbl .sub th{padding-left:18px}.fee-grid{grid-template-columns:1fr 1fr;gap:48px;display:grid}@media (max-width:860px){.fee-grid{grid-template-columns:1fr}}.contact{grid-template-columns:1fr 1.2fr;align-items:start;gap:48px;display:grid}.contact-list{border-top:1px solid var(--line);gap:0;margin:0 0 28px;padding:0;list-style:none;display:grid}.contact-list li{border-bottom:1px solid var(--line);grid-template-columns:120px 1fr;gap:12px;padding:16px 0;display:grid}.contact-list b{color:var(--ink);font-weight:560}.map{border:1px solid var(--line);background:var(--sand);border-radius:16px;overflow:hidden}.map iframe{border:0;width:100%;height:340px;display:block}.map a{background:#fff;padding:10px 14px;font-size:.88rem;display:block}.formcard{border:1px solid var(--line);background:#fff;border-radius:18px;gap:18px;padding:32px;display:grid}.topic{grid-template-columns:repeat(3,1fr);gap:10px;display:grid}.topic button{border:1.5px solid var(--line);text-align:left;cursor:pointer;background:#fff;border-radius:12px;gap:2px;min-height:76px;padding:14px;display:grid}.topic button strong{color:var(--ink);font-weight:600}.topic button span{color:var(--slate-deep);font-size:.82rem}.topic button[aria-pressed=true]{border-color:var(--slate);background:var(--paper);box-shadow:inset 0 0 0 1px var(--slate)}.sent{background:var(--paper);border-radius:14px;padding:22px}@media (max-width:900px){.contact,.topic{grid-template-columns:1fr}.formcard{padding:22px}.contact-list li{grid-template-columns:1fr;gap:2px}}.about-img{object-fit:cover;border-radius:18px;width:100%;height:100%;max-height:560px}.facts-list{border-top:1px solid var(--line);margin:24px 0 0;padding:0;list-style:none}.facts-list li{border-bottom:1px solid var(--line);grid-template-columns:180px 1fr;gap:16px;padding:14px 0;display:grid}.facts-list b{color:var(--ink);font-weight:560}@media (max-width:560px){.facts-list li{grid-template-columns:1fr;gap:2px}}.legal{max-width:75ch}.legal h3{margin-top:32px}.legal p{color:var(--slate-deep)}.payin{grid-template-columns:1fr 1fr;align-items:start;gap:24px;display:grid}@media (max-width:860px){.payin{grid-template-columns:1fr}}.ref{background:var(--slate-deep);color:#fff;border-radius:16px;padding:24px}.ref h3{color:#fff}.ref p{color:#e5e8e6}.ref code{color:#fff;background:#ffffff1a;border-radius:10px;margin:12px 0;padding:14px 16px;font-family:ui-monospace,Menlo,monospace;font-size:1.05rem;display:block}