/* ============ Tokens ============ */
:root{
  --red:#C8102E;          /* Options red */
  --red-deep:#8F0A1F;     /* shadowed red for depth */
  --red-soft:#FCEBEE;     /* blush wash */
  --ink:#1D1719;          /* warm ink for text */
  --stone:#5B5254;        /* secondary text, 7.4:1 on white */
  --line:#EBE2E3;         /* hairlines */
  --paper:#FFFFFF;
  --mist:#FAF7F7;         /* quiet section fill */
  --ok:#1F7A4D;

  --display:"Fraunces", Georgia, "Times New Roman", serif;
  --body:"Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;

  --wrap:1200px;
  --gutter:clamp(20px, 4vw, 40px);
  --edge:max(var(--gutter), calc((100vw - var(--wrap)) / 2));
  --r-lg:22px; --r-md:14px; --r-sm:8px;

  box-sizing:border-box;
  padding-top:env(safe-area-inset-top,0px);
  padding-bottom:env(safe-area-inset-bottom,0px);
}
*,*::before,*::after{box-sizing:inherit}
html{scroll-behavior:smooth;scroll-padding-top:calc(88px + env(safe-area-inset-top,0px));-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--body);font-size:1rem;line-height:1.72;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
/* This page is intentionally light-only: the brand logo is built for a white ground. */
img,svg{max-width:100%;display:block}
a{color:var(--red-deep);text-underline-offset:3px}
a:hover{color:var(--red)}
:focus-visible{outline:3px solid var(--red);outline-offset:3px;border-radius:4px}
p{margin:0 0 1em}
h1,h2,h3{font-family:var(--display);font-weight:600;line-height:1.08;letter-spacing:-.015em;margin:0;color:var(--ink);font-optical-sizing:auto}
h2{font-size:clamp(2rem,3.6vw,3rem)}
h3{font-size:1.35rem;line-height:1.2;letter-spacing:-.005em}
.wrap{width:100%;max-width:calc(var(--wrap) + var(--gutter)*2);margin:0 auto;padding:0 var(--gutter)}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.skip{position:absolute;left:12px;top:-60px;z-index:100;background:var(--ink);color:#fff;padding:10px 16px;border-radius:var(--r-sm);text-decoration:none;font-weight:600}
.skip:focus{top:calc(12px + env(safe-area-inset-top,0px));color:#fff}

/* ============ Buttons ============ */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 26px;border-radius:999px;font:600 1rem/1 var(--body);text-decoration:none;border:2px solid transparent;cursor:pointer;white-space:nowrap;transition:background .2s,color .2s,border-color .2s,transform .2s}
.btn-red{background:var(--red);color:#fff}
.btn-red:hover{background:var(--red-deep);color:#fff}
.btn-line{border-color:var(--ink);color:var(--ink);background:transparent}
.btn-line:hover{background:var(--ink);color:#fff}
.btn-white{background:#fff;color:var(--red-deep)}
.btn-white:hover{background:var(--ink);color:#fff}

/* ============ Header ============ */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);padding-top:env(safe-area-inset-top,0px)}
.nav{display:flex;align-items:center;justify-content:space-between;height:80px;gap:24px}
.brand{display:flex;align-items:center;text-decoration:none;color:var(--ink);background:transparent}
.brand img,.brand svg{height:44px;width:auto;background:transparent}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none;margin:0;padding:0}
.nav-links a{display:block;padding:10px 14px;border-radius:999px;text-decoration:none;color:var(--ink);font-weight:500;font-size:.97rem}
.nav-links a:hover{background:var(--red-soft);color:var(--red-deep)}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-phone{font-weight:600;text-decoration:none;color:var(--ink);font-size:.95rem}
.menu-btn{display:none;width:48px;height:48px;border:1px solid var(--line);background:#fff;border-radius:12px;cursor:pointer;align-items:center;justify-content:center}
.menu-btn span{display:block;width:20px;height:2px;background:var(--ink);position:relative}
.menu-btn span::before,.menu-btn span::after{content:"";position:absolute;left:0;width:20px;height:2px;background:var(--ink)}
.menu-btn span::before{top:-6px}.menu-btn span::after{top:6px}

.crumbs{font-size:.88rem;color:var(--stone);padding-top:18px}
.crumbs ol{list-style:none;display:flex;gap:8px;margin:0;padding:0;flex-wrap:wrap}
.crumbs li+li::before{content:"/";margin-right:8px;color:#b9aeb0}
.crumbs a{color:var(--stone);text-decoration:none}
.crumbs a:hover{color:var(--red)}

/* ============ Hero ============ */
.hero{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);min-height:640px}
.hero-copy{padding:40px 56px 72px var(--edge);display:flex;flex-direction:column;justify-content:center}
.hero h1{font-size:clamp(2.6rem,5.4vw,4.6rem);font-weight:600;line-height:1.02;letter-spacing:-.028em;font-variation-settings:"opsz" 144;max-width:13ch;margin:18px 0 26px}
.hero-lede{font-size:1.14rem;color:var(--stone);max-width:36rem;margin-bottom:32px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:40px}
.assure{list-style:none;padding:0;margin:0;display:grid;gap:12px;max-width:34rem;border-top:1px solid var(--line);padding-top:26px}
.assure li{display:flex;gap:12px;align-items:flex-start;font-size:.97rem}
.assure svg{flex:none;margin-top:4px}
.rating-note{font-size:.9rem;color:var(--stone);display:flex;align-items:center;gap:10px}
.rating-note b{color:var(--ink)}
.dot-live{width:9px;height:9px;border-radius:50%;background:var(--ok);box-shadow:0 0 0 4px rgba(31,122,77,.15)}

/* Red accent column with mesh + grain */
.hero-panel{
  position:relative;isolation:isolate;overflow:hidden;
  background:
    radial-gradient(60% 50% at 88% 12%, #E8354F 0%, transparent 60%),
    radial-gradient(55% 55% at 10% 95%, #7A081A 0%, transparent 65%),
    radial-gradient(40% 40% at 30% 30%, #D81E3A 0%, transparent 70%),
    var(--red);
  border-bottom-left-radius:120px;
  display:flex;align-items:center;justify-content:center;
  padding:56px var(--edge) 64px 56px;
}
.grain::after{
  content:"";position:absolute;inset:0;z-index:-1;pointer-events:none;opacity:.22;mix-blend-mode:overlay;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3' stitchTiles='stitch'/%3E%3CfeColorMatrix values='0 0 0 0 1 0 0 0 0 1 0 0 0 0 1 0 0 0 .9 0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}
.hero-panel .maple{position:absolute;right:-60px;top:-40px;width:340px;opacity:.09;z-index:-1}

/* Calculator — layered card */
.calc-stack{position:relative;width:100%;max-width:440px}
.calc-stack::before,.calc-stack::after{content:"";position:absolute;inset:0;border-radius:var(--r-lg);background:#fff}
.calc-stack::before{transform:translate(18px,18px) rotate(2.2deg);opacity:.16}
.calc-stack::after{transform:translate(9px,9px) rotate(1deg);opacity:.3}
.calc{position:relative;z-index:1;background:#fff;border-radius:var(--r-lg);padding:30px 30px 26px;box-shadow:0 30px 60px -20px rgba(70,4,15,.55)}
.calc h2{font-size:1.5rem;margin-bottom:4px}
.calc-sub{color:var(--stone);font-size:.92rem;margin-bottom:22px}
.amount-row{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:10px}
.amount-row label{font-weight:600;font-size:.95rem}
.amount{font-family:var(--display);font-size:2.6rem;font-weight:600;letter-spacing:-.02em;color:var(--red);font-variant-numeric:tabular-nums;line-height:1}
input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:99px;margin:10px 0 6px;cursor:pointer;
  background:linear-gradient(to right,var(--red) 0,var(--red) var(--fill,30%),#F0E5E7 var(--fill,30%));
}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;border-radius:50%;background:#fff;border:3px solid var(--red);box-shadow:0 4px 12px rgba(143,10,31,.3)}
input[type=range]::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:#fff;border:3px solid var(--red)}
.range-ends{display:flex;justify-content:space-between;font-size:.82rem;color:var(--stone)}
.term{border:0;padding:0;margin:20px 0 0}
.term legend{font-weight:600;font-size:.95rem;margin-bottom:10px}
.chips{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.chips input{position:absolute;opacity:0;pointer-events:none}
.chips label{display:flex;flex-direction:column;align-items:center;justify-content:center;min-height:52px;border:1.5px solid var(--line);border-radius:12px;cursor:pointer;font-weight:600;font-size:.98rem;line-height:1.1;transition:border-color .15s,background .15s}
.chips label small{font-weight:500;font-size:.75rem;color:var(--stone)}
.chips input:checked+label{border-color:var(--red);background:var(--red-soft);color:var(--red-deep)}
.chips input:focus-visible+label{outline:3px solid var(--red);outline-offset:2px}
.calc-out{margin:22px 0 20px;border-top:1px dashed #E2D4D6;padding-top:16px;display:grid;gap:6px}
.calc-out div{display:flex;justify-content:space-between;font-size:.97rem}
.calc-out dt{color:var(--stone)}
.calc-out dd{margin:0;font-weight:600;font-variant-numeric:tabular-nums}
.calc-out .total{font-size:1.08rem;padding-top:8px;margin-top:4px;border-top:1px solid var(--line)}
.calc-out .total dd{color:var(--red-deep)}
.calc .btn{width:100%}
.calc-fine{font-size:.8rem;color:var(--stone);line-height:1.5;margin:12px 0 0}

/* ============ Stats band ============ */
.stats{padding:64px 0 24px}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--ink)}
.stat{padding:26px 24px 8px 0}
.stat+.stat{padding-left:24px;border-left:1px solid var(--line)}
.stat-num{font-family:var(--display);font-size:clamp(2.4rem,4vw,3.4rem);font-weight:500;letter-spacing:-.03em;line-height:1;font-variant-numeric:tabular-nums;color:var(--ink)}
.stat p{margin:10px 0 0;color:var(--stone);font-size:.95rem;max-width:22ch}

/* ============ Section scaffolding ============ */
.section{padding:clamp(72px,9vw,120px) 0}
.section-head{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:end;margin-bottom:52px}
.section-head p{color:var(--stone);font-size:1.06rem;margin:0;max-width:34rem}
.section-head.stack{grid-template-columns:1fr;max-width:46rem}

/* ============ Product grid (asymmetric) ============ */
.products{display:grid;grid-template-columns:1.25fr 1fr 1fr;grid-auto-rows:minmax(220px,auto);gap:18px;list-style:none;padding:0;margin:0}
.prod{position:relative;border:1px solid var(--line);border-radius:var(--r-md);padding:28px;background:#fff;display:flex;flex-direction:column}
.prod h3{margin-bottom:10px}
.prod p{color:var(--stone);font-size:.97rem;margin-bottom:18px}
.prod .more{margin-top:auto;font-weight:600;font-size:.95rem}
.prod-icon{width:44px;height:44px;border-radius:12px;background:var(--red-soft);display:grid;place-items:center;margin-bottom:22px}
.prod.featured{grid-row:span 2;background:var(--ink);color:#fff;border-color:var(--ink);padding:36px;overflow:hidden;border-radius:var(--r-lg)}
.prod.featured h3{color:#fff;font-size:clamp(1.9rem,2.6vw,2.4rem);line-height:1.05;margin-bottom:14px}
.prod.featured p{color:#D7CDCF;font-size:1.02rem}
.prod.featured .prod-icon{background:var(--red)}
.prod.featured ul{list-style:none;padding:0;margin:4px 0 28px;display:grid;gap:10px}
.prod.featured li{display:flex;gap:10px;align-items:flex-start;color:#F2ECED;font-size:.97rem}
.prod.featured li::before{content:"";flex:none;width:8px;height:8px;border-radius:2px;background:var(--red);margin-top:9px;transform:rotate(45deg)}
.prod.featured .btn{align-self:flex-start;margin-top:auto}
.prod.featured .glow{position:absolute;width:320px;height:320px;right:-120px;bottom:-140px;border-radius:50%;background:radial-gradient(circle,rgba(200,16,46,.55),transparent 70%);pointer-events:none}
.prod.honest{grid-column:1/-1;flex-direction:row;gap:36px;align-items:center;background:var(--red-soft);border-color:#F4D3D9;min-height:0}
.prod.honest .prod-icon{background:#fff;margin:0;flex:none}
.prod.honest h3{margin-bottom:6px}
.prod.honest p{margin:0;color:#4A3F41}

/* ============ Why panels ============ */
.why{background:var(--mist);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.panels{display:grid;grid-template-columns:1.1fr .9fr 1fr;gap:18px;align-items:start}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;box-shadow:0 1px 0 var(--line),0 24px 40px -32px rgba(29,23,25,.35)}
.panel-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px;gap:12px}
.panel-top h3{font-size:1.15rem}
.pill{font-size:.78rem;font-weight:600;padding:5px 11px;border-radius:99px;background:var(--red-soft);color:var(--red-deep);white-space:nowrap}
.pill.green{background:#E6F3EC;color:var(--ok)}
.timeline{list-style:none;margin:0;padding:0;position:relative}
.timeline::before{content:"";position:absolute;left:15px;top:8px;bottom:8px;width:2px;background:var(--line)}
.timeline li{position:relative;display:grid;grid-template-columns:32px 1fr auto;gap:14px;align-items:start;padding:10px 0}
.t-dot{width:32px;height:32px;border-radius:50%;display:grid;place-items:center;background:#fff;border:2px solid var(--line);font-size:.8rem;font-weight:700;color:var(--stone);position:relative;z-index:1}
.timeline .done .t-dot{background:var(--ink);border-color:var(--ink);color:#fff}
.timeline .now .t-dot{background:var(--red);border-color:var(--red);color:#fff;box-shadow:0 0 0 6px rgba(200,16,46,.14)}
.t-body b{display:block;font-size:.97rem}
.t-body span{font-size:.86rem;color:var(--stone)}
.t-time{font-size:.84rem;font-weight:600;color:var(--stone);font-variant-numeric:tabular-nums;padding-top:5px}
.mini-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.mini{border-radius:var(--r-md);padding:18px 16px;background:var(--mist)}
.mini:first-child{background:var(--red);color:#fff}
.mini:first-child span{color:#FFDCE1}
.mini strong{display:block;font-family:var(--display);font-size:2rem;font-weight:600;line-height:1;letter-spacing:-.02em}
.mini span{font-size:.86rem;color:var(--stone);display:block;margin-top:8px;line-height:1.4}
.checklist{list-style:none;margin:0;padding:0;display:grid;gap:4px}
.checklist li{display:flex;gap:12px;align-items:flex-start;padding:10px 12px;border-radius:10px;font-size:.95rem;line-height:1.5}
.checklist li:nth-child(odd){background:var(--mist)}
.check{flex:none;width:22px;height:22px;border-radius:6px;background:var(--ok);display:grid;place-items:center;margin-top:1px}

/* ============ Alternating rows ============ */
.rows{display:grid;gap:clamp(72px,9vw,120px)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,7vw,96px);align-items:center}
.row:nth-child(even) .row-visual{order:-1}
.row-copy h2{font-size:clamp(1.9rem,3vw,2.6rem);margin-bottom:20px;max-width:18ch}
.row-copy p{color:var(--stone);font-size:1.04rem;max-width:34rem}
.row-copy ul{padding-left:1.2em;color:var(--ink);max-width:34rem;margin:0 0 1em}
.row-copy li{margin-bottom:6px}
.row-visual{position:relative}
.frame{border-radius:28px;background:var(--mist);padding:clamp(28px,4vw,48px);position:relative;overflow:hidden}
.frame.red{background:radial-gradient(70% 60% at 80% 10%,#E33049,transparent 60%),var(--red);isolation:isolate}
/* phone notification mock */
.phone{max-width:320px;margin:0 auto;background:#fff;border-radius:34px;padding:18px 16px 26px;box-shadow:0 40px 60px -30px rgba(60,4,14,.6)}
.phone-bar{display:flex;justify-content:space-between;font-size:.78rem;font-weight:600;padding:0 8px 14px}
.notif{border:1px solid var(--line);border-radius:18px;padding:14px 16px;margin-bottom:10px;background:#fff}
.notif-head{display:flex;justify-content:space-between;font-size:.78rem;color:var(--stone);margin-bottom:6px}
.notif b{display:block;font-size:.95rem}
.notif p{margin:2px 0 0;font-size:.88rem;color:var(--stone);line-height:1.45}
.notif.main{border-color:var(--red);box-shadow:0 0 0 4px var(--red-soft)}
.notif.main .amt{font-family:var(--display);font-size:1.9rem;font-weight:600;color:var(--red);letter-spacing:-.02em;line-height:1.1;margin-top:4px}
/* compare card */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.compare > div{background:#fff;border-radius:var(--r-md);padding:20px;border:1px solid var(--line)}
.compare h3{font-family:var(--body);font-size:.95rem;font-weight:700;margin-bottom:12px;letter-spacing:0}
.compare ul{list-style:none;padding:0;margin:0;display:grid;gap:10px;font-size:.92rem;line-height:1.45}
.compare li{display:flex;gap:9px}
.compare .yes li::before{content:"";flex:none;width:8px;height:8px;border-radius:50%;background:var(--ok);margin-top:7px}
.compare .less li::before{content:"";flex:none;width:8px;height:2px;background:#B9AEB0;margin-top:10px}
.compare .less{background:transparent;border-style:dashed}
/* doc checklist */
.docs{background:#fff;border-radius:var(--r-md);padding:8px;max-width:400px;margin:0 auto;box-shadow:0 30px 50px -34px rgba(29,23,25,.5)}
.doc{display:flex;align-items:center;gap:14px;padding:14px;border-radius:10px}
.doc+.doc{border-top:1px solid var(--line)}
.doc-ic{width:40px;height:40px;border-radius:10px;background:var(--red-soft);display:grid;place-items:center;flex:none}
.doc b{display:block;font-size:.95rem}
.doc span{font-size:.84rem;color:var(--stone)}
.doc .state{margin-left:auto;font-size:.8rem;font-weight:700;color:var(--ok)}
.doc.no .doc-ic{background:var(--mist)}
.doc.no b{text-decoration:line-through;color:var(--stone)}
.doc.no .state{color:var(--stone)}

/* ============ Apply article + aside ============ */
.apply-grid{display:grid;grid-template-columns:minmax(0,1.6fr) minmax(0,1fr);gap:clamp(32px,5vw,64px);align-items:start}
.steps{list-style:none;padding:0;margin:32px 0 0;counter-reset:s}
.steps li{counter-increment:s;display:grid;grid-template-columns:64px 1fr;gap:20px;padding:24px 0;border-top:1px solid var(--line)}
.steps li:last-child{border-bottom:1px solid var(--line)}
.steps li::before{content:counter(s);font-family:var(--display);font-size:2.4rem;font-weight:500;line-height:1;color:var(--red);font-variant-numeric:lining-nums}
.steps h3{margin-bottom:6px}
.steps p{margin:0;color:var(--stone)}
.requirements{margin-top:36px;padding:26px 28px;border-radius:var(--r-md);background:var(--mist)}
.requirements h3{margin-bottom:12px}
.requirements ul{margin:0;padding-left:1.2em;columns:2;column-gap:32px}
.requirements li{margin-bottom:6px;break-inside:avoid}
.warn{position:sticky;top:110px;border:2px solid var(--ink);border-radius:var(--r-lg);padding:28px;background:#fff}
.warn-head{display:flex;gap:12px;align-items:center;margin-bottom:14px}
.warn-ic{width:40px;height:40px;border-radius:50%;background:#FFF1D6;display:grid;place-items:center;flex:none}
.warn h2{font-size:1.45rem}
.warn p,.warn li{font-size:.95rem;color:#3E3537}
.warn ul{padding-left:1.1em;margin:0 0 1em}
.warn li{margin-bottom:6px}
.apr-box{background:var(--mist);border-radius:12px;padding:14px 16px;margin:0 0 16px;font-size:.92rem}
.apr-box strong{font-family:var(--display);font-size:1.6rem;display:block;line-height:1.1;color:var(--ink)}

/* ============ Provinces ============ */
.prov-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--line)}
.prov{display:flex;align-items:center;gap:16px;padding:20px 18px 20px 0;border-bottom:1px solid var(--line)}
.prov-code{width:52px;height:52px;flex:none;border-radius:14px;display:grid;place-items:center;font-family:var(--display);font-weight:600;font-size:1.1rem;background:var(--red-soft);color:var(--red-deep)}
.prov b{display:block;font-size:1.02rem}
.prov span{font-size:.88rem;color:var(--stone)}
.prov.off .prov-code{background:var(--mist);color:#8C8284}
.prov.off b{color:var(--stone)}
.prov-note{margin-top:28px;color:var(--stone);font-size:.95rem;max-width:48rem}

/* ============ EEAT ============ */
.eeat{background:var(--ink);color:#fff;border-radius:36px;margin:0 var(--gutter);padding:clamp(56px,7vw,96px) 0;position:relative;overflow:hidden;isolation:isolate}
.eeat .glow{position:absolute;width:600px;height:600px;left:-200px;top:-260px;border-radius:50%;background:radial-gradient(circle,rgba(200,16,46,.42),transparent 70%);z-index:-1}
.eeat h2{color:#fff}
.eeat .section-head p{color:#CFC5C7}
.eeat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.12);border-radius:var(--r-lg);overflow:hidden}
.eeat-card{background:var(--ink);padding:30px 26px}
.eeat-letter{font-family:var(--display);font-style:italic;font-size:3.4rem;font-weight:400;line-height:1;color:var(--red);margin-bottom:18px;display:block}
.eeat-card h3{color:#fff;font-size:1.2rem;margin-bottom:10px}
.eeat-card p{color:#CFC5C7;font-size:.95rem;margin:0}
.byline{display:flex;align-items:center;gap:14px;margin-top:40px;color:#CFC5C7;font-size:.92rem;flex-wrap:wrap}
.byline .av{width:44px;height:44px;border-radius:50%;background:var(--red);display:grid;place-items:center;font-family:var(--display);font-weight:600;color:#fff}
.byline b{color:#fff}

/* ============ FAQ ============ */
.faq-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(32px,6vw,80px);align-items:start}
.faq-intro{position:sticky;top:110px}
.faq-intro p{color:var(--stone);margin-top:18px}
.faq-list{border-top:1px solid var(--ink)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-item h3{font-family:var(--body);font-size:1.08rem;font-weight:600;letter-spacing:0;line-height:1.4}
.faq-btn{width:100%;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 0;background:none;border:0;cursor:pointer;text-align:left;font:inherit;color:var(--ink)}
.faq-btn:hover{color:var(--red-deep)}
.faq-sign{flex:none;width:34px;height:34px;border-radius:50%;border:1.5px solid var(--line);position:relative;transition:background .2s,border-color .2s,transform .25s}
.faq-sign::before,.faq-sign::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2px;background:currentColor;transform:translate(-50%,-50%)}
.faq-sign::after{transform:translate(-50%,-50%) rotate(90deg);transition:transform .25s}
.faq-btn[aria-expanded="true"] .faq-sign{background:var(--red);border-color:var(--red);color:#fff}
.faq-btn[aria-expanded="true"] .faq-sign::after{transform:translate(-50%,-50%) rotate(0)}
.faq-panel{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s ease}
.faq-panel.open{grid-template-rows:1fr}
.faq-panel > div{overflow:hidden}
.faq-panel p{color:var(--stone);padding:0 56px 24px 0;margin:0}

/* ============ Responsible lending + CTA ============ */
.notice{display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:start;border-left:4px solid var(--red);background:var(--red-soft);border-radius:0 var(--r-md) var(--r-md) 0;padding:26px 28px;margin-bottom:56px}
.notice h2{font-size:1.35rem;margin-bottom:8px}
.notice p{margin:0;color:#43393B;font-size:.97rem}
.cta{position:relative;overflow:hidden;isolation:isolate;border-radius:36px;padding:clamp(44px,6vw,80px);display:grid;grid-template-columns:1.3fr auto;gap:32px;align-items:center;
  background:radial-gradient(50% 80% at 100% 0%,#E8354F,transparent 60%),radial-gradient(50% 70% at 0% 100%,#7A081A,transparent 60%),var(--red);color:#fff}
.cta h2{color:#fff;font-size:clamp(2rem,4vw,3.2rem);max-width:16ch}
.cta p{color:#FFE3E7;margin:14px 0 0;max-width:36rem}

/* ============ Footer ============ */
.site-footer{margin-top:clamp(72px,9vw,120px);border-top:1px solid var(--line);background:#fff;padding:64px 0 32px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.foot-grid h2{font-family:var(--body);font-size:.95rem;font-weight:700;letter-spacing:0;margin-bottom:14px}
.foot-grid ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.foot-grid a{color:var(--stone);text-decoration:none;font-size:.95rem}
.foot-grid a:hover{color:var(--red)}
.foot-about p{color:var(--stone);font-size:.95rem;margin-top:18px;max-width:30rem}
.legal{margin-top:48px;padding:26px 28px;border-radius:var(--r-md);background:var(--mist);font-size:.88rem;color:#4A4042;line-height:1.65}
.legal h2{font-family:var(--body);font-size:.95rem;font-weight:700;letter-spacing:0;margin-bottom:8px;color:var(--ink)}
.legal p:last-child{margin:0}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;margin-top:28px;font-size:.88rem;color:var(--stone)}

/* ============ Motion ============ */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}
.products .reveal:nth-child(2){transition-delay:.06s}.products .reveal:nth-child(3){transition-delay:.12s}
.products .reveal:nth-child(4){transition-delay:.18s}.products .reveal:nth-child(5){transition-delay:.24s}
.panels .reveal:nth-child(2){transition-delay:.1s}.panels .reveal:nth-child(3){transition-delay:.2s}
@keyframes pulse{0%,100%{box-shadow:0 0 0 6px rgba(200,16,46,.14)}50%{box-shadow:0 0 0 11px rgba(200,16,46,.05)}}
.timeline .now .t-dot{animation:pulse 2.2s ease-in-out infinite}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition:none!important}
  .reveal{opacity:1;transform:none}
}

/* ============ Responsive ============ */
@media (max-width:1080px){
  .hero{grid-template-columns:1fr}
  .hero-copy{padding:32px var(--gutter) 48px}
  .hero h1{max-width:16ch}
  .hero-panel{border-radius:48px 48px 0 0;margin:0 var(--gutter);padding:48px var(--gutter)}
  .panels{grid-template-columns:1fr 1fr}
  .panels .panel:first-child{grid-column:1/-1}
  .eeat-grid{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .nav-phone{display:none}
}
@media (max-width:900px){
  .nav-links{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;padding:12px var(--gutter) 20px;border-bottom:1px solid var(--line);box-shadow:0 20px 30px -20px rgba(0,0,0,.2)}
  .nav-links.open{display:flex}
  .nav-links a{padding:14px 12px;border-radius:10px}
  .menu-btn{display:inline-flex}
  .section-head{grid-template-columns:1fr;gap:16px}
  .products{grid-template-columns:1fr 1fr}
  .prod.featured{grid-column:1/-1;grid-row:auto}
  .prod.honest{flex-direction:column;align-items:flex-start;gap:16px}
  .row{grid-template-columns:1fr}
  .row:nth-child(even) .row-visual{order:0}
  .apply-grid,.faq-grid{grid-template-columns:1fr}
  .warn,.faq-intro{position:static}
  .prov-list{grid-template-columns:1fr 1fr}
  .stats-grid{grid-template-columns:1fr 1fr}
  .stat:nth-child(3){padding-left:0;border-left:0}
  .stat:nth-child(n+3){border-top:1px solid var(--line)}
  .cta{grid-template-columns:1fr}
}
@media (max-width:620px){
  .nav{height:68px}
  .brand img,.brand svg{height:38px}
  .nav-cta .btn{min-height:44px;padding:0 16px;font-size:.92rem}
  .hero-panel{margin:0;border-radius:36px 36px 0 0;padding:40px 16px 48px}
  .calc{padding:24px 20px 22px}
  .calc-stack::before,.calc-stack::after{display:none}
  .calc .btn{white-space:normal}
  .products,.panels,.eeat-grid,.prov-list,.foot-grid,.compare{grid-template-columns:1fr}
  .panels .panel:first-child{grid-column:auto}
  .requirements ul{columns:1}
  .steps li{grid-template-columns:44px 1fr;gap:14px}
  .steps li::before{font-size:1.9rem}
  .eeat{margin:0;border-radius:28px}
  .cta{border-radius:28px}
  .faq-panel p{padding-right:0}
  .notice{grid-template-columns:1fr}
}

/* =====================================================================
   INNER PAGES
   ===================================================================== */
html{color-scheme:light}

/* Loans dropdown in the nav */
.has-sub{position:relative}
.sub-btn{display:flex;align-items:center;gap:6px;padding:10px 14px;border-radius:999px;border:0;background:none;font:500 .97rem/1.72 var(--body);color:var(--ink);cursor:pointer}
.sub-btn:hover,.sub-btn[aria-expanded="true"]{background:var(--red-soft);color:var(--red-deep)}
.sub-btn svg{transition:transform .2s}
.sub-btn[aria-expanded="true"] svg{transform:rotate(180deg)}
.sub{display:none;position:absolute;left:0;top:calc(100% + 8px);min-width:280px;list-style:none;margin:0;padding:8px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 24px 40px -24px rgba(29,23,25,.35)}
.sub.open{display:block}
.sub a{display:block;padding:10px 14px;border-radius:10px}
.nav-links a[aria-current="page"]{color:var(--red-deep);background:var(--red-soft)}

/* Page hero */
.page-hero{padding:8px 0 clamp(48px,6vw,80px);border-bottom:1px solid var(--line)}
.page-hero-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,.85fr);gap:clamp(32px,6vw,80px);align-items:end}
.page-hero h1{font-size:clamp(2.4rem,4.8vw,4rem);line-height:1.04;letter-spacing:-.025em;font-variation-settings:"opsz" 144;margin:18px 0 22px;max-width:17ch}
.page-hero .lede{font-size:1.14rem;color:var(--stone);max-width:40rem;margin-bottom:28px}
.page-hero .hero-actions{margin-bottom:0}
.meta-line{display:flex;flex-wrap:wrap;gap:6px 18px;font-size:.88rem;color:var(--stone);margin-top:26px}
.meta-line b{color:var(--ink);font-weight:600}
.facts{position:relative;isolation:isolate;overflow:hidden;border-radius:28px 28px 28px 80px;padding:30px 30px 34px;color:#fff;
  background:radial-gradient(70% 60% at 90% 0%,#E8354F,transparent 60%),radial-gradient(60% 60% at 0% 100%,#7A081A,transparent 65%),var(--red)}
.facts h2{color:#fff;font-size:1.3rem;margin-bottom:16px}
.facts dl{margin:0;display:grid;gap:0}
.facts dl div{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-top:1px solid rgba(255,255,255,.22);font-size:.95rem}
.facts dt{color:#FFDCE1}
.facts dd{margin:0;font-weight:600;text-align:right}

/* Article + sidebar */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:clamp(40px,6vw,88px);align-items:start;padding-top:clamp(48px,6vw,80px);padding-bottom:clamp(40px,5vw,72px)}
.layout.wide{grid-template-columns:260px minmax(0,1fr)}
.prose{max-width:720px;font-size:1.04rem}
.prose > h2{font-size:clamp(1.7rem,2.6vw,2.2rem);margin:2.2em 0 .6em;scroll-margin-top:110px}
.prose > h2:first-of-type{margin-top:1.2em}
.prose h3{margin:1.6em 0 .5em}
.prose p,.prose li{color:#3B3335}
.prose ul,.prose ol{padding-left:1.25em;margin:0 0 1.2em}
.prose li{margin-bottom:.45em}
.prose li::marker{color:var(--red)}
.prose strong{color:var(--ink)}
.toc{border:1px solid var(--line);border-radius:var(--r-md);padding:20px 22px;background:#fff}
.toc h2{font-family:var(--body);font-size:.95rem;font-weight:700;letter-spacing:0;margin:0 0 10px}
.toc ol{margin:0;padding-left:1.2em;display:grid;gap:4px;font-size:.95rem}
.toc a{color:var(--stone);text-decoration:none}
.toc a:hover{color:var(--red)}
.side{position:sticky;top:110px;display:grid;gap:18px}
.side .calc{box-shadow:0 20px 40px -24px rgba(70,4,15,.5);border:1px solid var(--line)}
.side-card{border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;background:#fff}
.side-card h2{font-size:1.25rem;margin-bottom:8px}
.side-card p{font-size:.94rem;color:var(--stone)}
.side-card .btn{width:100%}
.side-card.dark{background:var(--ink);border-color:var(--ink);color:#fff}
.side-card.dark h2{color:#fff}
.side-card.dark p{color:#D7CDCF}
.side-warn{border:2px solid var(--ink);border-radius:var(--r-lg);padding:22px;font-size:.92rem;background:#fff}
.side-warn h2{font-size:1.15rem;margin-bottom:8px}
.side-warn p{margin:0;color:#3E3537}

.table-wrap{overflow-x:auto;margin:1.4em 0 1.6em;border:1px solid var(--line);border-radius:var(--r-md)}
table{width:100%;border-collapse:collapse;font-size:.95rem;min-width:520px}
caption{text-align:left;padding:14px 18px;font-weight:600;color:var(--ink);border-bottom:1px solid var(--line);background:var(--mist)}
th,td{padding:13px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{font-weight:700;color:var(--ink);background:#fff}
tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}
tbody th{font-weight:600;color:var(--ink)}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}

.callout{border-left:4px solid var(--red);background:var(--red-soft);padding:18px 22px;border-radius:0 var(--r-md) var(--r-md) 0;margin:1.6em 0}
.callout p:last-child{margin:0}
.callout.plain{border-left-color:var(--ink);background:var(--mist)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:1.4em 0}
.two-col > div{border:1px solid var(--line);border-radius:var(--r-md);padding:20px 22px}
.two-col h3{margin:0 0 10px;font-size:1.1rem}
.two-col ul{margin:0}
.steps.compact li{padding:18px 0}
.prose .steps h3{margin:0 0 6px}
.prose .steps{padding-left:0}

/* Related links */
.related{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.related a{display:block;height:100%;border:1px solid var(--line);border-radius:var(--r-md);padding:22px 24px;text-decoration:none;color:var(--ink);transition:border-color .2s,background .2s}
.related a:hover{border-color:var(--red);background:var(--red-soft)}
.related b{display:block;font-family:var(--display);font-size:1.2rem;font-weight:600;margin-bottom:6px}
.related span{color:var(--stone);font-size:.93rem}

/* Forms */
.form{display:grid;gap:18px}
.form .row2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field label{display:block;font-weight:600;font-size:.95rem;margin-bottom:6px}
.field .hint{font-weight:400;color:var(--stone);font-size:.85rem}
.field input,.field select,.field textarea{width:100%;font:inherit;font-size:1rem;color:var(--ink);padding:13px 15px;border:1.5px solid #DCCFD1;border-radius:12px;background:#fff}
.field textarea{min-height:150px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 4px var(--red-soft)}
.check-field{display:flex;gap:10px;align-items:flex-start;font-size:.92rem;color:var(--stone)}
.check-field input{width:20px;height:20px;margin-top:3px;accent-color:var(--red)}
.form-status{font-weight:600;color:var(--ok);min-height:1.5em;margin:0}

/* Sitemap + province blocks */
.map-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.map-cols h2{font-size:1.4rem;margin-bottom:14px}
.map-cols ul{list-style:none;padding:0;margin:0;border-top:1px solid var(--line)}
.map-cols li{border-bottom:1px solid var(--line)}
.map-cols a{display:block;padding:12px 0;text-decoration:none;color:var(--ink);font-weight:500}
.map-cols a:hover{color:var(--red)}
.map-cols small{display:block;color:var(--stone);font-weight:400;font-size:.86rem}
.prov-block{border-top:1px solid var(--line);padding-top:6px;scroll-margin-top:110px}
.status{display:inline-block;font-size:.8rem;font-weight:700;padding:4px 10px;border-radius:99px;background:#E6F3EC;color:var(--ok);margin-left:8px;vertical-align:middle;font-family:var(--body);letter-spacing:0}
.status.off{background:var(--mist);color:var(--stone)}
.legal-doc .prose > h2{font-size:1.5rem}

.section-tight{padding:clamp(48px,6vw,80px) 0}
.faq-wrap{border-top:1px solid var(--line)}

@media (max-width:1080px){
  .layout,.layout.wide{grid-template-columns:minmax(0,1fr)}
  .side{width:100%}
  .side{position:static;max-width:520px}
  .layout.wide .side{order:0}
  .related{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .page-hero-grid{grid-template-columns:1fr}
  .has-sub{width:100%}
  .sub-btn{width:100%;justify-content:space-between;padding:14px 12px;border-radius:10px}
  .sub{position:static;box-shadow:none;border:0;padding:0 0 0 12px;min-width:0}
  .map-cols{grid-template-columns:1fr 1fr}
}
@media (max-width:620px){
  .two-col,.related,.map-cols,.form .row2{grid-template-columns:1fr}
  .facts{border-radius:24px 24px 24px 56px}
}
.prov-block h2{font-size:clamp(1.5rem,2.2vw,1.9rem);margin:1.3em 0 .5em}
.prov-block p:last-child{margin-bottom:1.4em}
.related.two{grid-template-columns:1fr 1fr}
@media (max-width:620px){.related.two{grid-template-columns:1fr}}