:root{
  color-scheme: light only;
  --tarmac:#15161B;
  --tarmac-2:#1D1F26;
  --paper:#F4F3EF;
  --paper-2:#EAE8E1;
  --plate-yellow:#F5C518;
  --plate-white:#FBFBF6;
  --ink:#15161B;
  --ink-soft:#4B4D57;
  --line:#D8D5CB;
  --brake:#D14A3A;
}
*{box-sizing:border-box; margin:0; padding:0;}
html{scroll-behavior:smooth;}
body{
  background:var(--paper);
  color:var(--ink);
  font-family:'Inter', sans-serif;
  -webkit-font-smoothing:antialiased;
}
.mono{ font-family:'IBM Plex Mono', monospace; }
a{color:inherit; text-decoration:none;}
img{max-width:100%; display:block;}

/* ---- NAV ---- */
nav{
  display:flex; align-items:center; justify-content:space-between;
  padding:20px 24px;
  max-width:1120px; margin:0 auto;
}
.logo{ font-family:'Oswald', sans-serif; font-weight:700; font-size:22px; letter-spacing:0.03em; }
.logo span{ color:var(--brake); }
.nav-links{ display:none; gap:28px; font-size:14px; font-weight:500; color:var(--ink-soft);}
@media(min-width:800px){ .nav-links{display:flex;} }
.nav-cta{
  background:var(--tarmac); color:var(--paper); font-size:13px; font-weight:600;
  padding:10px 18px; border-radius:3px; letter-spacing:0.02em;
}

/* ---- HERO ---- */
.hero{
  background:var(--tarmac);
  background-image:
    repeating-linear-gradient(180deg, transparent, transparent 46px, rgba(245,243,239,0.035) 46px, rgba(245,243,239,0.035) 48px);
  color:var(--paper);
  padding:64px 24px 88px;
  position:relative;
  overflow:hidden;
}
.hero::after{
  content:"";
  position:absolute; left:0; right:0; bottom:0; height:6px;
  background:repeating-linear-gradient(90deg, var(--plate-yellow) 0 34px, transparent 34px 58px);
  opacity:0.9;
}
.hero-inner{ max-width:1120px; margin:0 auto; }
.eyebrow{
  display:inline-flex; align-items:center; gap:8px;
  font-size:12px; font-weight:600; letter-spacing:0.14em; text-transform:uppercase;
  color:var(--plate-yellow); margin-bottom:22px;
}
.eyebrow::before{ content:""; width:16px; height:2px; background:var(--plate-yellow); display:block;}
h1{
  font-family:'Oswald', sans-serif;
  font-weight:600;
  font-size:clamp(34px, 6vw, 60px);
  line-height:1.04;
  letter-spacing:0.005em;
  max-width:14ch;
}
h1 em{ font-style:normal; color:var(--plate-yellow); }
.hero-sub{
  margin-top:20px; max-width:46ch; color:#C7C8D1; font-size:16px; line-height:1.6;
}

/* ---- PLATE CALC ---- */
.plate-card{
  margin-top:40px;
  background:var(--paper); border-radius:6px; padding:20px;
  max-width:560px;
  box-shadow:0 24px 60px rgba(0,0,0,0.35);
}
.plate-card-label{
  font-size:12px; font-weight:600; letter-spacing:0.08em; text-transform:uppercase;
  color:var(--ink-soft); margin-bottom:12px;
}
.plate-row{ display:flex; gap:10px; flex-wrap:wrap; margin-bottom:12px; }
.plate-field{ flex:1; min-width:120px; }
.plate-field label{
  display:block; font-size:11px; font-weight:600; color:var(--ink-soft);
  text-transform:uppercase; letter-spacing:0.06em; margin-bottom:6px;
}
.plate-field input, .plate-field select{
  width:100%; border:1.5px solid var(--line); border-radius:4px;
  padding:10px 12px; font-family:'IBM Plex Mono', monospace; font-size:14px;
  background:#fff; color:var(--ink);
}
.plate-field input:focus, .plate-field select:focus{ outline:2px solid var(--tarmac); outline-offset:1px; }

.plate-output{
  margin-top:16px;
  background:var(--plate-yellow);
  border:2.5px solid var(--ink);
  border-radius:5px;
  padding:16px 20px;
  display:flex; align-items:center; justify-content:space-between;
  gap:12px;
}
.plate-output-figure{
  font-family:'Oswald', sans-serif; font-weight:700; font-size:clamp(30px,7vw,42px);
  letter-spacing:0.02em; color:var(--ink); line-height:1;
}
.plate-output-figure span{ font-size:16px; font-weight:600; margin-left:6px; }
.plate-output-note{ font-size:11px; font-weight:600; color:var(--ink); text-align:right; max-width:130px; line-height:1.35;}

.cta-row{ display:flex; gap:12px; margin-top:16px; flex-wrap:wrap; }
.btn-primary{
  background:var(--tarmac); color:var(--paper); font-weight:600; font-size:14px;
  padding:13px 22px; border-radius:4px; border:none; cursor:pointer;
  display:inline-flex; align-items:center; gap:8px;
}
.btn-primary:hover{ background:#000; }
.btn-ghost{
  background:transparent; color:var(--ink); font-weight:600; font-size:14px;
  padding:13px 18px; border-radius:4px; border:1.5px solid var(--line); cursor:pointer;
  display:inline-flex; align-items:center;
}
.fine-print{ font-size:11px; color:var(--ink-soft); margin-top:10px; line-height:1.5; }

/* ---- SECTIONS ---- */
.section{ max-width:1120px; margin:0 auto; padding:76px 24px; }
.section-head{ max-width:52ch; margin-bottom:44px; }
.section-kicker{
  font-size:12px; font-weight:600; letter-spacing:0.12em; text-transform:uppercase;
  color:var(--brake); margin-bottom:10px;
}
.section-title{
  font-family:'Oswald', sans-serif; font-weight:600; font-size:clamp(24px,3.4vw,34px);
  line-height:1.15;
}
.steps{ display:grid; grid-template-columns:1fr; gap:0; border-top:1px solid var(--line); }
@media(min-width:760px){ .steps{ grid-template-columns:repeat(3,1fr); } }
.step{ padding:28px 22px 28px 0; border-bottom:1px solid var(--line); }
@media(min-width:760px){
  .step{ border-right:1px solid var(--line); padding:28px 24px; }
  .step:last-child{ border-right:none; }
}
.step-num{
  font-family:'IBM Plex Mono', monospace; font-size:13px; color:var(--brake); font-weight:600;
  margin-bottom:14px;
}
.step h3{ font-family:'Oswald', sans-serif; font-size:19px; font-weight:600; margin-bottom:8px; }
.step p{ font-size:14px; color:var(--ink-soft); line-height:1.55; }

/* ---- LENDER STRIP ---- */
.lender-strip{ background:var(--tarmac-2); }
.lender-inner{ max-width:1120px; margin:0 auto; padding:40px 24px; }
.lender-inner p{ color:#9799A5; font-size:12px; font-weight:600; letter-spacing:0.08em; text-transform:uppercase; margin-bottom:18px; }
.lender-row{ display:flex; flex-wrap:wrap; gap:14px; }
.lender-chip{
  background:var(--tarmac); border:1px solid #303240; color:var(--paper);
  padding:10px 16px; border-radius:4px; font-size:13px; font-weight:600;
  display:flex; align-items:center; gap:8px;
}
.lender-chip .apr{ color:#8E9099; font-weight:400; font-family:'IBM Plex Mono', monospace; font-size:11px; }

/* ---- GUIDE CARDS ---- */
.guide-grid{ display:grid; grid-template-columns:1fr; gap:1px; background:var(--line); border:1px solid var(--line); }
@media(min-width:760px){ .guide-grid{ grid-template-columns:repeat(3,1fr); } }
.guide-card{ background:var(--paper); padding:26px; display:flex; flex-direction:column; min-height:220px; }
.guide-card:hover{ background:#fff; }
.guide-tag{
  font-size:11px; font-weight:700; letter-spacing:0.06em; text-transform:uppercase;
  color:var(--brake); margin-bottom:14px;
}
.guide-card h3{ font-family:'Oswald', sans-serif; font-size:19px; font-weight:600; line-height:1.25; margin-bottom:10px; }
.guide-card p{ font-size:13.5px; color:var(--ink-soft); line-height:1.55; flex:1; }
.guide-link{ font-size:13px; font-weight:600; margin-top:16px; display:inline-flex; align-items:center; gap:6px; }

/* ---- ARTICLE PAGES ---- */
.article-hero{
  background:var(--tarmac); color:var(--paper); padding:56px 24px 48px; position:relative;
}
.article-hero::after{
  content:"";
  position:absolute; left:0; right:0; bottom:0; height:5px;
  background:repeating-linear-gradient(90deg, var(--plate-yellow) 0 34px, transparent 34px 58px);
  opacity:0.9;
}
.article-hero-inner{ max-width:760px; margin:0 auto; }
.article-hero .eyebrow{ margin-bottom:16px; }
.article-hero h1{ font-size:clamp(28px,5vw,44px); max-width:22ch; }
.article-meta{ margin-top:16px; font-size:13px; color:#9799A5; font-family:'IBM Plex Mono', monospace; }
article{ max-width:760px; margin:0 auto; padding:48px 24px 72px; }
article h2{
  font-family:'Oswald', sans-serif; font-weight:600; font-size:24px; margin:40px 0 14px;
  line-height:1.2;
}
article h3{ font-family:'Oswald', sans-serif; font-weight:600; font-size:18px; margin:28px 0 10px; }
article p{ font-size:16px; line-height:1.7; color:#2B2C33; margin-bottom:16px; }
article ul, article ol{ margin:0 0 16px 22px; }
article li{ font-size:16px; line-height:1.7; color:#2B2C33; margin-bottom:8px; }
article strong{ color:var(--ink); }
.callout{
  background:var(--plate-yellow); border:2px solid var(--ink); border-radius:6px;
  padding:18px 20px; margin:26px 0;
}
.callout p{ margin:0; font-size:15px; font-weight:500; color:var(--ink); }
.callout .callout-label{
  display:block; font-size:11px; font-weight:700; letter-spacing:0.08em; text-transform:uppercase;
  margin-bottom:6px;
}
.compare-table{ width:100%; border-collapse:collapse; margin:22px 0; font-size:14.5px; }
.compare-table th{
  text-align:left; font-family:'Oswald', sans-serif; font-weight:600; font-size:14px;
  text-transform:uppercase; letter-spacing:0.04em;
  border-bottom:2px solid var(--ink); padding:10px 12px 10px 0;
}
.compare-table td{ border-bottom:1px solid var(--line); padding:12px 12px 12px 0; vertical-align:top; line-height:1.55; color:#2B2C33;}
.article-cta{
  background:var(--tarmac); color:var(--paper); border-radius:8px; padding:28px; margin:40px 0 0;
}
.article-cta h3{ font-family:'Oswald', sans-serif; font-size:20px; margin:0 0 8px; }
.article-cta p{ color:#C7C8D1; font-size:14px; margin-bottom:16px; }
.article-cta .btn-primary{ background:var(--plate-yellow); color:var(--ink); }
.article-cta .fine-print{ color:#8E9099; }

/* ---- TRUST ROW ---- */
.trust-row{
  display:flex; flex-wrap:wrap; gap:14px; margin-top:16px;
  padding-top:14px; border-top:1px solid var(--line);
}
.trust-item{
  display:flex; align-items:center; gap:7px;
  font-size:12px; font-weight:600; color:var(--ink-soft);
}
.trust-item::before{
  content:"✓"; display:flex; align-items:center; justify-content:center;
  width:16px; height:16px; border-radius:50%;
  background:var(--tarmac); color:var(--plate-yellow);
  font-size:10px; font-weight:700; flex-shrink:0;
}

/* ---- FAQ ---- */
.faq-list{ border-top:1px solid var(--line); max-width:760px; }
.faq-item{ border-bottom:1px solid var(--line); }
.faq-item summary{
  cursor:pointer; list-style:none; padding:20px 0;
  font-family:'Oswald', sans-serif; font-weight:600; font-size:17px;
  display:flex; justify-content:space-between; align-items:center; gap:16px;
}
.faq-item summary::-webkit-details-marker{ display:none; }
.faq-item summary::after{
  content:"+"; font-family:'IBM Plex Mono', monospace; font-size:20px; color:var(--brake);
  flex-shrink:0;
}
.faq-item[open] summary::after{ content:"–"; }
.faq-item .faq-body{ padding:0 0 20px; font-size:14.5px; line-height:1.65; color:var(--ink-soft); max-width:64ch; }

/* ---- FOOTER ---- */
footer{ background:var(--tarmac); color:#8E9099; padding:44px 24px 30px; }
.footer-inner{ max-width:1120px; margin:0 auto; }
.footer-top{ display:flex; justify-content:space-between; flex-wrap:wrap; gap:24px; margin-bottom:28px; }
.footer-logo{ font-family:'Oswald', sans-serif; font-weight:700; color:var(--paper); font-size:18px; }
.footer-links{ display:flex; gap:20px; font-size:13px; flex-wrap:wrap; }
.footer-links a:hover{ color:var(--paper); }
.disclosure{
  border-top:1px solid #2A2C36; padding-top:22px; font-size:11.5px; line-height:1.7; max-width:80ch;
}