/* Usaratehub design system — Lemonade-grade editorial. Paper/ink/chartreuse. */
:root{
  --paper:#F6F7ED; --ink:#001F3F; --line:#A9B1BC; --spring:#DBE64C;
  --mantis:#74C365; --green:#00804C; --blanche:#1E488F;
  --meta:#5F6873; --stroke:#778088;
  --hair:rgba(0,31,63,.14);
  --fd:'Fraunces',Georgia,serif; --fb:'Hanken Grotesk',system-ui,sans-serif;
  --fm:ui-monospace,'Cascadia Mono','Segoe UI Mono',Menlo,monospace;
  --r:16px; --gutter:20px;
}
@font-face{font-family:'Fraunces';src:url(/fonts/fraunces.woff2) format('woff2');font-weight:100 900;font-display:swap;font-style:normal}
@font-face{font-family:'Hanken Grotesk';src:url(/fonts/hanken.woff2) format('woff2');font-weight:100 900;font-display:swap;font-style:normal}
*{margin:0;padding:0;box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{background:var(--paper);color:var(--ink);font:400 15px/1.6 var(--fb);overflow-x:clip}
img,svg{max-width:100%;display:block}
a{color:var(--ink)}
.wrap{max-width:680px;margin:0 auto;padding:0 var(--gutter)}
.wide{max-width:980px}

/* ---------- header ---------- */
.hd{position:sticky;top:0;z-index:50;background:var(--paper);border-bottom:1px solid var(--hair)}
.hd-row{display:flex;align-items:center;justify-content:space-between;max-width:980px;margin:0 auto;padding:14px var(--gutter)}
.wm{font:700 19px/1 var(--fb);letter-spacing:-.02em;text-decoration:none}
.hd-nav{display:flex;gap:18px;align-items:center}
.hd-nav a{font:600 13px/1 var(--fb);text-decoration:none;color:var(--meta)}
.hd-nav a:hover{color:var(--ink)}
@media(max-width:720px){.hd-nav .hidesm{display:none}}

/* ---------- type ---------- */
.h-serif{font-family:var(--fd);font-weight:560;font-variation-settings:"opsz" 72,"SOFT" 0,"WONK" 0;letter-spacing:-.01em}
h1.h-serif{font-size:clamp(34px,9vw,44px);line-height:1.12;max-width:14ch}
h2.h-serif{font-size:clamp(24px,6vw,30px);line-height:1.2}
.sub{font-size:17px;line-height:1.55;color:var(--meta);max-width:46ch}
.mono{font-family:var(--fm);font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--meta)}
.mono-ink{color:var(--ink)}

/* ---------- buttons ---------- */
.btn{display:flex;align-items:center;justify-content:center;height:56px;border-radius:999px;
  font:700 15px/1 var(--fb);letter-spacing:.04em;text-transform:uppercase;text-decoration:none;
  border:0;cursor:pointer;width:100%;transition:transform .18s ease}
.btn:active{transform:scale(.98)}
.btn-fill{background:var(--spring);color:var(--ink)}
.btn-line{background:transparent;color:var(--ink);border:1.5px solid var(--ink)}
.btn-row{margin:26px 0 0}
@media(min-width:721px){.btn{max-width:360px}}

/* ---------- hero ---------- */
.hero{padding:44px 0 0}
.hero .sub{margin:14px 0 0}
.hero .u-mark{background:linear-gradient(transparent 62%,var(--spring) 62%,var(--spring) 92%,transparent 92%)}
.eyebrow{margin-bottom:14px}

/* ---------- scene band (full-bleed animated line art) ---------- */
.scene{margin:36px 0 0;overflow:hidden}
.scene svg{width:100%;height:290px;display:block}
@media(min-width:800px){.scene svg{height:320px}}
.scene .s{fill:none;stroke:var(--line);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.scene .s2{fill:none;stroke:var(--line);stroke-width:1.1;stroke-linecap:round;stroke-linejoin:round}
.scene .ink{fill:none;stroke:var(--ink);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.scene .fill-ink{fill:var(--ink);stroke:none}
.scene .pop{fill:var(--spring);stroke:var(--line);stroke-width:1.6;opacity:0;transition:opacity .3s ease .95s}
.scene.go .pop{opacity:1}
.scene [class^=s],.scene .ink{stroke-dasharray:var(--len,600);stroke-dashoffset:var(--len,600)}
.scene.go .s,.scene.go .s2,.scene.go .ink{animation:draw .9s ease-out forwards}
.scene.go .d1{animation-delay:.05s}.scene.go .d2{animation-delay:.18s}.scene.go .d3{animation-delay:.32s}
.scene.go .d4{animation-delay:.46s}.scene.go .d5{animation-delay:.6s}.scene.go .d6{animation-delay:.74s}
@keyframes draw{to{stroke-dashoffset:0}}
@media(prefers-reduced-motion:reduce){
  .scene .s,.scene .s2,.scene .ink{stroke-dasharray:none;stroke-dashoffset:0;animation:none!important}
  .scene .pop{opacity:1;transition:none}
}

/* ---------- category index / rows ---------- */
.rows{margin:36px 0 0;border-top:1px solid var(--hair)}
.row{display:flex;align-items:center;gap:14px;padding:17px 2px;border-bottom:1px solid var(--hair);text-decoration:none;transition:background .15s}
.row:hover{background:rgba(0,31,63,.03)}
.row .ri{width:26px;height:26px;flex:0 0 26px;color:var(--ink)}
.row .ri svg{width:26px;height:26px;stroke:currentColor;stroke-width:1.6;fill:none;stroke-linecap:round;stroke-linejoin:round}
.row b{font-weight:600;font-size:16px}
.row .num{font-family:var(--fm);font-size:11px;color:var(--meta);width:22px}
.row .arr{margin-left:auto;color:var(--meta)}

/* ---------- cards ---------- */
.card{border:1px solid var(--hair);border-radius:var(--r);padding:20px;background:transparent}
.cards{display:grid;gap:14px;margin:26px 0 0}
.card .spec{display:flex;gap:18px;flex-wrap:wrap;margin:12px 0 14px}
.card .spec div{font-family:var(--fm);font-size:12px;line-height:1.7}
.card .spec .k{display:block;font-size:10px;letter-spacing:.08em;color:var(--meta);text-transform:uppercase}
.card .vbtn{display:inline-flex;align-items:center;justify-content:center;height:44px;padding:0 26px;border-radius:999px;border:1.5px solid var(--ink);font:700 13px/1 var(--fb);letter-spacing:.04em;text-transform:uppercase;text-decoration:none}
.card.feat{border:2px solid var(--ink);position:relative}
.feat-tab{position:absolute;top:-12px;right:16px;background:var(--spring);color:var(--ink);border-radius:6px;padding:5px 10px;font:700 10px/1 var(--fb);letter-spacing:.08em}

/* ---------- big number ---------- */
.rate-hero{font:600 64px/1 var(--fb);font-variant-numeric:tabular-nums;letter-spacing:-.02em;margin:8px 0 4px}
.rate-cap{font-family:var(--fm);font-size:11px;letter-spacing:.06em;color:var(--meta);text-transform:uppercase}

/* ---------- sections ---------- */
.sec{padding:48px 0 0}
.props{border-top:1px solid var(--hair);margin-top:14px}
.prop{display:flex;gap:14px;padding:16px 2px;border-bottom:1px solid var(--hair);align-items:flex-start}
.prop svg{width:24px;height:24px;flex:0 0 24px;stroke:var(--ink);stroke-width:1.6;fill:none;stroke-linecap:round;stroke-linejoin:round;margin-top:2px}
.prop b{display:block;font-size:15px;font-weight:600}
.prop p{color:var(--meta);font-size:14px}
.proof{display:flex;gap:10px;flex-wrap:wrap;border:1px solid var(--hair);border-radius:12px;padding:12px 16px;margin:26px 0 0;font-family:var(--fm);font-size:11px;letter-spacing:.05em;color:var(--meta);text-transform:uppercase}
.proof span{white-space:nowrap}

/* ---------- disclosure ---------- */
.disc-chip{display:inline-block;border:1px solid var(--hair);border-radius:999px;padding:5px 12px;font-family:var(--fm);font-size:10px;letter-spacing:.08em;color:var(--meta);text-decoration:none;text-transform:uppercase}
.finept{color:var(--meta);font-size:12.5px;line-height:1.6;margin:26px 0 0}
.finept a{color:var(--blanche);text-decoration:underline}

/* ---------- form pages ---------- */
.fpage-head{padding:34px 0 0}
.fcard{margin:26px auto 0;background:#fff;border:1px solid var(--hair);border-radius:var(--r);padding:22px 18px;max-width:840px}
.fcard-mount{min-height:300px;display:flex;flex-direction:column;justify-content:flex-start}
.ftrust{display:flex;gap:8px;align-items:center;justify-content:center;margin:16px auto 0;color:var(--meta);font-size:13px;max-width:840px}
.ftrust svg{width:15px;height:15px;stroke:currentColor;stroke-width:1.6;fill:none}
@media(max-width:600px){
  .fcard{width:auto;max-width:none;margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);padding:14px 10px;border-radius:12px}
}
/* run.php family (ZP/TPM/ICM): kill reserved voids, blend into white card */
.fcard #omForm-root{margin-top:0!important;width:100%!important}
.fcard #omForm-root>div{min-height:0!important}
.fcard #omForm-root form,.fcard .omForm-wrapper,.fcard #omForm{min-height:0!important;height:auto!important;background:#fff!important;box-shadow:none!important;border:none!important;width:100%!important;box-sizing:border-box}
/* StoreFront/DOT: width + boot-loader placement + void fix */
.fcard #storefrontloans_apply_form{min-height:0!important}
.fcard #storefrontloans_apply_form>h4{position:static!important;top:auto!important;padding:34px 0 0!important;margin:0!important;text-align:center}
.fcard #storefrontloans_apply_form>img{position:static!important;top:auto!important;display:block;margin:12px auto 40px!important}
.fcard #storefrontloans_apply_form .loading{min-height:300px;display:flex;flex-direction:column;align-items:center;justify-content:center}
.fcard .bg_holder{padding-bottom:24px!important}
.fcard .button_back_area{margin-top:0!important;height:auto!important;min-height:0!important}
/* LG shadow-host: fully fluid — host card width decides */
.fcard #_lg_form_{width:100%}
/* EmbeddedForm (LT): its container brings its own bg; keep card neutral */
.fcard #jsform,.fcard #embedded-form-container{width:100%}
/* widget (TPL): give it room */
.fcard #widget-container{width:100%;min-height:420px}
/* EV epc-funnel draws its own card — page uses .fplain instead of .fcard */
.fplain{margin:26px auto 0;max-width:840px}
.fplain epc-funnel,.fplain #loan-funnel{display:block;max-width:100%;overflow-x:clip}

/* ---------- rates table ---------- */
.rt{width:100%;border-collapse:collapse;margin:26px 0 0}
.rt td{padding:13px 2px;border-bottom:1px solid var(--hair);font-family:var(--fm);font-size:13px}
.rt td:first-child{font-family:var(--fb);font-weight:600;font-size:15px}
.rt .val{text-align:right;font-variant-numeric:tabular-nums}
.rt .up{color:var(--green);font-weight:700}
.rt .dn{color:var(--ink)}

/* ---------- calculator ---------- */
.calc-q{margin:34px 0 0}
.calc-q label{display:block;font-family:var(--fd);font-weight:560;font-size:22px;margin-bottom:14px}
.calc-in{width:100%;border:0;border-bottom:2px solid var(--ink);background:transparent;font:600 40px/1.3 var(--fb);color:var(--ink);outline:none;font-variant-numeric:tabular-nums}
.calc-in:focus{border-color:var(--blanche)}
.calc-res{margin:34px 0 0}
#chart{margin:20px 0 0}
#chart .cl{fill:none;stroke:var(--ink);stroke-width:1.5}
#chart .ca{fill:var(--spring);opacity:.9}

/* ---------- footer ---------- */
.ft{background:var(--ink);color:var(--paper);margin-top:64px;padding:44px 0 34px}
.ft .wrap{max-width:980px}
.ft .wm{color:var(--paper);font-size:20px}
.ft-cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:26px;margin:28px 0 0}
.ft h5{font:700 11px/1 var(--fb);letter-spacing:.1em;text-transform:uppercase;color:rgba(246,247,237,.55);margin-bottom:12px}
.ft a{color:var(--paper);text-decoration:none;font-size:13.5px;display:block;padding:4px 0}
.ft a:hover{text-decoration:underline}
.ft-fine{color:rgba(246,247,237,.62);font-size:12px;line-height:1.7;margin:30px 0 0;border-top:1px solid rgba(246,247,237,.15);padding-top:22px}
.ft-fine p{margin:0 0 10px}

/* ---------- legal modal ---------- */
#cmp{position:fixed;inset:0;background:rgba(0,31,63,.5);z-index:100;display:none;align-items:flex-end;justify-content:center}
#cmp.on{display:flex}
#cmp-in{background:var(--paper);width:100%;max-width:760px;max-height:88vh;border-radius:18px 18px 0 0;display:flex;flex-direction:column}
@media(min-width:761px){#cmp{align-items:center}#cmp-in{border-radius:18px;max-height:84vh}}
#cmp-bar{display:flex;justify-content:space-between;align-items:center;padding:14px 20px;border-bottom:1px solid var(--hair)}
#cmp-x{background:none;border:1.5px solid var(--ink);border-radius:999px;width:34px;height:34px;font-size:15px;cursor:pointer;color:var(--ink)}
#cmp-body{overflow:auto;padding:10px 20px 30px;font-size:14px;line-height:1.7}
#cmp-body h1,#cmp-body h2,#cmp-body h3{font-family:var(--fd);margin:18px 0 8px}
#cmp-body p{margin:0 0 12px}

/* ---------- misc ---------- */
.sticky-cta{position:fixed;left:0;right:0;bottom:0;padding:12px var(--gutter) calc(12px + env(safe-area-inset-bottom));background:linear-gradient(transparent,var(--paper) 30%);z-index:40;display:none}
.sticky-cta.on{display:block}
.sticky-cta .btn{max-width:680px;margin:0 auto;box-shadow:0 6px 24px rgba(0,31,63,.18)}
.crumbs{padding-top:20px}
.crumbs a{color:var(--meta);text-decoration:none;font-size:13px}
.crumbs span{color:var(--meta);font-size:13px}