/* personifyfinancialusa.com — seed db1a0dbe (SHA256 domain+2026-10-20) */
@font-face{font-family:"PJS";src:url("../fonts/pjs.woff2") format("woff2");font-weight:200 800;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"SS3";src:url("../fonts/ss3.woff2") format("woff2");font-weight:200 900;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"SS3";src:url("../fonts/ss3i.woff2") format("woff2");font-weight:200 900;font-style:italic;font-display:swap}
/* metric-matched fallbacks → CLS ≈ 0 */
@font-face{font-family:"PJS-fb";src:local("Arial");ascent-override:103%;descent-override:27%;line-gap-override:0%;size-adjust:106%}
@font-face{font-family:"SS3-fb";src:local("Arial");ascent-override:98%;descent-override:26%;line-gap-override:0%;size-adjust:94%}

:root{
  --violet:#8030a6;--violet-600:#6a2489;--violet-700:#54196f;--plum:#311041;--plum-900:#1e0929;
  --lime:#bfe236;--lime-300:#d2e87c;--lime-600:#9bc117;
  --ink:#1b1322;--ink-2:#3d3346;--ink-3:#6b6075;--line:#e6dfee;--line-2:#d5c9e2;
  --bg:#fcfbfe;--bg-2:#f5f0fa;--bg-3:#ece3f4;--white:#fff;
  --ok:#1f8a4c;--warn:#b7791f;--bad:#c0392b;
  --ff-d:"PJS","PJS-fb",system-ui,sans-serif;--ff-b:"SS3","SS3-fb",system-ui,sans-serif;
  --r:14px;--r-lg:22px;--r-xl:30px;
  --sh-1:0 1px 2px rgba(49,16,65,.06),0 4px 14px rgba(49,16,65,.07);
  --sh-2:0 10px 30px -8px rgba(49,16,65,.22),0 2px 6px rgba(49,16,65,.06);
  --sh-glow:0 0 0 1px rgba(191,226,54,.35),0 12px 40px -10px rgba(128,48,166,.45);
  --ease:cubic-bezier(.2,.8,.2,1);--max:1180px;--gutter:clamp(16px,4vw,32px);
}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.001ms!important;transition-duration:.001ms!important}}
body{margin:0;font-family:var(--ff-b);font-size:17px;line-height:1.6;color:var(--ink);background:var(--bg);overflow-x:hidden}
h1,h2,h3,h4{font-family:var(--ff-d);line-height:1.12;letter-spacing:-.02em;color:var(--plum);margin:0 0 .5em;font-weight:700;text-wrap:balance}
h1{font-size:clamp(2.1rem,5.2vw,3.6rem);font-weight:800}h2{font-size:clamp(1.6rem,3.4vw,2.35rem)}h3{font-size:1.25rem}h4{font-size:1.05rem}
p{margin:0 0 1em}a{color:var(--violet-600);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--violet)}
img{max-width:100%;height:auto;display:block}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
.wrap-n{max-width:820px;margin:0 auto;padding:0 var(--gutter)}
:focus-visible{outline:3px solid var(--lime);outline-offset:3px;border-radius:6px}
.skip{position:absolute;left:-999px;top:8px;background:var(--plum);color:#fff;padding:10px 14px;border-radius:8px;z-index:999}.skip:focus{left:8px}

/* ===== header ===== */
.hdr{position:sticky;top:0;z-index:60;backdrop-filter:saturate(1.4) blur(14px);-webkit-backdrop-filter:saturate(1.4) blur(14px);background:rgba(252,251,254,.78);border-bottom:1px solid rgba(214,201,226,.55);transition:box-shadow .3s}
.hdr.is-scrolled{box-shadow:0 6px 24px -12px rgba(49,16,65,.25)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}.nav>nav{flex:1;min-width:0;display:flex;justify-content:center}.nav .btn{flex:none}
.logo{display:flex;align-items:center;gap:10px;font-family:var(--ff-d);font-weight:800;font-size:1.15rem;color:var(--plum);text-decoration:none;letter-spacing:-.02em}
.logo .mark{width:34px;height:34px;border-radius:10px;background:conic-gradient(from 210deg,var(--violet),var(--plum) 55%,var(--lime) 100%);position:relative;flex:none;box-shadow:inset 0 0 0 2px rgba(255,255,255,.35)}
.logo .mark::after{content:"";position:absolute;inset:9px;border-radius:5px;background:#fff;clip-path:polygon(0 0,100% 0,100% 35%,45% 35%,45% 100%,0 100%)}
.logo em{font-style:normal;color:var(--violet)}
.menu{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.menu a{display:block;white-space:nowrap;padding:9px 13px;border-radius:10px;font-family:var(--ff-d);font-weight:600;font-size:.92rem;color:var(--ink-2);text-decoration:none;transition:background .2s,color .2s}
.menu a:hover,.menu a[aria-current]{background:var(--bg-3);color:var(--plum)}
.btn{--bg:var(--violet);--fg:#fff;display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:999px;background:var(--bg);color:var(--fg);font-family:var(--ff-d);font-weight:700;font-size:.98rem;text-decoration:none;border:0;cursor:pointer;position:relative;overflow:hidden;transition:transform .25s var(--ease),box-shadow .25s,background .25s;isolation:isolate;white-space:nowrap}
.btn::after{content:"";position:absolute;inset:0;background:linear-gradient(120deg,transparent 30%,rgba(255,255,255,.35) 50%,transparent 70%);transform:translateX(-120%);transition:transform .6s var(--ease);z-index:-1}
.btn:hover{transform:translateY(-2px);box-shadow:var(--sh-2);color:var(--fg)}.btn:hover::after{transform:translateX(120%)}
.btn-lime{--bg:var(--lime);--fg:var(--plum-900)}.btn-lime:hover{box-shadow:var(--sh-glow)}
.btn-ghost{--bg:transparent;--fg:var(--plum);box-shadow:inset 0 0 0 2px var(--line-2)}.btn-ghost:hover{background:var(--bg-3);box-shadow:inset 0 0 0 2px var(--line-2)}
.btn-sm{padding:9px 16px;font-size:.88rem}.btn-lg{padding:17px 30px;font-size:1.08rem}
.btn .arr{transition:transform .25s var(--ease)}.btn:hover .arr{transform:translateX(4px)}
.burger{display:none;width:44px;height:44px;border:0;background:transparent;border-radius:10px;cursor:pointer;position:relative}
.burger span{position:absolute;left:11px;right:11px;height:2px;background:var(--plum);border-radius:2px;transition:transform .3s var(--ease),opacity .2s}
.burger span:nth-child(1){top:14px}.burger span:nth-child(2){top:21px}.burger span:nth-child(3){top:28px}
.burger[aria-expanded=true] span:nth-child(1){transform:translateY(7px) rotate(45deg)}.burger[aria-expanded=true] span:nth-child(2){opacity:0}.burger[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media(max-width:1040px){
  .burger{display:block}.nav .btn{display:none}
  .menu{position:absolute;left:0;right:0;top:68px;flex-direction:column;background:#fff;padding:10px var(--gutter) 18px;border-bottom:1px solid var(--line);box-shadow:var(--sh-2);transform:translateY(-8px);opacity:0;pointer-events:none;transition:transform .3s var(--ease),opacity .2s}
  .menu.open{transform:none;opacity:1;pointer-events:auto}
  .menu a{padding:13px 12px;font-size:1.02rem}
  .menu .m-cta{margin-top:8px}.menu .m-cta a{background:var(--lime);color:var(--plum-900);text-align:center;border-radius:999px}
}
.m-cta{display:none}@media(max-width:1040px){.m-cta{display:block}}

/* ===== progress bar ===== */
.prog{position:fixed;left:0;top:0;height:3px;width:100%;transform-origin:0 0;transform:scaleX(0);background:linear-gradient(90deg,var(--violet),var(--lime));z-index:70;pointer-events:none}

/* ===== hero ===== */
.hero{position:relative;overflow:hidden;color:#fff;background:var(--plum-900);isolation:isolate}
.hero .mesh{position:absolute;inset:-20%;z-index:-2;background:
  radial-gradient(40% 50% at 20% 30%,rgba(128,48,166,.9),transparent 70%),
  radial-gradient(35% 45% at 80% 20%,rgba(191,226,54,.35),transparent 70%),
  radial-gradient(45% 55% at 70% 85%,rgba(106,36,137,.8),transparent 70%),
  radial-gradient(30% 40% at 15% 90%,rgba(210,232,124,.25),transparent 70%);
  filter:blur(40px);animation:mesh 22s ease-in-out infinite alternate}
@keyframes mesh{0%{transform:translate3d(0,0,0) rotate(0)}50%{transform:translate3d(3%,-2%,0) rotate(4deg)}100%{transform:translate3d(-2%,3%,0) rotate(-3deg)}}
.hero .grid{position:absolute;inset:0;z-index:-1;background-image:linear-gradient(rgba(255,255,255,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.06) 1px,transparent 1px);background-size:48px 48px;mask-image:radial-gradient(70% 80% at 50% 40%,#000 30%,transparent 100%);-webkit-mask-image:radial-gradient(70% 80% at 50% 40%,#000 30%,transparent 100%)}
.hero .glow{position:absolute;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(191,226,54,.22),transparent 60%);transform:translate(-50%,-50%);left:var(--mx,70%);top:var(--my,40%);z-index:-1;pointer-events:none;transition:left .4s var(--ease),top .4s var(--ease);will-change:left,top}
.hero-in{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(28px,5vw,64px);align-items:center;padding:clamp(56px,8vw,104px) 0 clamp(48px,7vw,88px)}
.hero h1{color:#fff;margin-bottom:.45em}
.hero h1 .hl{background:linear-gradient(90deg,var(--lime),var(--lime-300));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .lead{font-size:clamp(1.05rem,1.6vw,1.25rem);color:rgba(255,255,255,.82);max-width:56ch;margin-bottom:1.6em}
.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:7px 14px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);font-family:var(--ff-d);font-weight:600;font-size:.82rem;letter-spacing:.02em;color:#fff;margin-bottom:22px;backdrop-filter:blur(6px)}
.eyebrow .dot{width:8px;height:8px;border-radius:50%;background:var(--lime);box-shadow:0 0 0 0 rgba(191,226,54,.7);animation:pulse 2s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(191,226,54,.7)}70%{box-shadow:0 0 0 10px rgba(191,226,54,0)}100%{box-shadow:0 0 0 0 rgba(191,226,54,0)}}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.hero .fine{font-size:.86rem;color:rgba(255,255,255,.62);margin-top:16px}
.hero-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:var(--r-xl);padding:26px;backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);box-shadow:0 30px 60px -30px rgba(0,0,0,.6);transform:perspective(1200px) rotateY(var(--ry,0)) rotateX(var(--rx,0));transition:transform .5s var(--ease);will-change:transform}
.hero-card .ttl{font-family:var(--ff-d);font-weight:700;font-size:1.02rem;color:#fff;margin-bottom:14px;display:flex;justify-content:space-between;align-items:center}
.hero-card .ttl span{font-size:.78rem;font-weight:600;color:var(--lime);background:rgba(191,226,54,.12);padding:4px 10px;border-radius:999px}
.kpi{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.kpi div{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:14px 16px}
.kpi b{display:block;font-family:var(--ff-d);font-size:1.45rem;font-weight:800;color:#fff;letter-spacing:-.02em;line-height:1.1}
.kpi small{display:block;color:rgba(255,255,255,.68);font-size:.82rem;margin-top:3px}
.hero-card .amt{margin-top:14px}
.hero-card .amt label{display:block;font-size:.84rem;color:rgba(255,255,255,.7);margin-bottom:8px}
.pills{display:flex;gap:8px;flex-wrap:wrap}
.pill{padding:8px 14px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);color:#fff;font-family:var(--ff-d);font-weight:600;font-size:.86rem;cursor:pointer;transition:all .2s}
.pill:hover,.pill.on{background:var(--lime);color:var(--plum-900);border-color:var(--lime)}
.hero-card .est{margin-top:14px;padding-top:14px;border-top:1px solid rgba(255,255,255,.12);display:flex;justify-content:space-between;align-items:baseline;color:rgba(255,255,255,.75);font-size:.9rem}
.hero-card .est b{font-family:var(--ff-d);font-size:1.5rem;color:#fff}
.hero-card .btn{width:100%;margin-top:14px}
@media(max-width:860px){.hero-in{grid-template-columns:1fr;padding:44px 0 40px}.hero-card{transform:none!important}.hero .glow{display:none}}

/* ===== trust strip ===== */
.strip{background:#fff;border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;gap:28px;align-items:center;justify-content:center;flex-wrap:wrap;padding:16px var(--gutter);font-family:var(--ff-d);font-weight:600;font-size:.86rem;color:var(--ink-3)}
.strip span{display:inline-flex;align-items:center;gap:8px}
.strip svg{width:18px;height:18px;color:var(--violet)}

/* ===== sections ===== */
.sec{padding:clamp(52px,7vw,96px) 0}
.sec-alt{background:linear-gradient(180deg,var(--bg-2),var(--bg))}
.sec-dark{background:var(--plum-900);color:rgba(255,255,255,.85)}.sec-dark h2,.sec-dark h3{color:#fff}
.sec-head{max-width:720px;margin:0 auto 40px;text-align:center}
.kicker{font-family:var(--ff-d);font-weight:700;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--violet);margin-bottom:10px;display:inline-flex;align-items:center;gap:8px}.kicker::before{content:"";width:18px;height:2px;background:var(--lime)}
.sec-head p{color:var(--ink-3);font-size:1.08rem}

/* form section */
#apply-form{scroll-margin-top:80px}
.form-sec{background:linear-gradient(180deg,#fff,var(--bg-2))}
.form-shell{display:grid;grid-template-columns:1fr 1.1fr;gap:clamp(24px,4vw,56px);align-items:start}
.form-box{background:#fff;border-radius:var(--r-xl);box-shadow:var(--sh-2);padding:clamp(18px,3vw,30px);border:1px solid var(--line);position:relative;isolation:isolate;overflow:hidden}
.form-box::before{content:"";position:absolute;inset:0 0 auto 0;height:5px;background:linear-gradient(90deg,var(--violet),var(--lime))}
.form-box .fb-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px;flex-wrap:wrap;gap:8px}
.form-box .fb-head h2{font-size:1.3rem;margin:0}
.lock{display:inline-flex;align-items:center;gap:6px;font-size:.8rem;color:var(--ink-3);font-family:var(--ff-d);font-weight:600}
#_lg_form_{min-height:420px;position:relative;isolation:isolate}
#_lg_form_:empty::before{content:"Loading secure form…";position:absolute;inset:0;display:grid;place-items:center;color:var(--ink-3);font-family:var(--ff-d);font-weight:600;background:repeating-linear-gradient(90deg,var(--bg-2) 0 20px,#fff 20px 40px);background-size:200% 100%;animation:shimmer 1.6s linear infinite;border-radius:12px}
@keyframes shimmer{to{background-position:-200% 0}}
.form-side .step{display:flex;gap:16px;padding:16px 0;border-bottom:1px dashed var(--line-2)}
.form-side .step:last-child{border:0}
.form-side .n{flex:none;width:40px;height:40px;border-radius:12px;display:grid;place-items:center;background:var(--plum);color:var(--lime);font-family:var(--ff-d);font-weight:800}
.form-side h3{font-size:1.05rem;margin-bottom:4px}.form-side p{color:var(--ink-3);margin:0;font-size:.95rem}
.repex{margin-top:18px;padding:16px 18px;border-radius:var(--r);background:var(--bg-3);font-size:.86rem;color:var(--ink-2);line-height:1.5}
.repex b{color:var(--plum)}
@media(max-width:900px){.form-shell{grid-template-columns:1fr}.form-side{order:2}}

/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;box-shadow:var(--sh-1);position:relative;overflow:hidden;transition:transform .35s var(--ease),box-shadow .35s,border-color .3s}
.card::before{content:"";position:absolute;inset:0;background:radial-gradient(300px circle at var(--cx,50%) var(--cy,0%),rgba(191,226,54,.18),transparent 60%);opacity:0;transition:opacity .3s}
.card:hover{transform:translateY(-5px);box-shadow:var(--sh-2);border-color:var(--line-2)}.card:hover::before{opacity:1}
.card .ic{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,var(--bg-3),#fff);border:1px solid var(--line);margin-bottom:16px;color:var(--violet)}
.card .ic svg{width:24px;height:24px}
.card h3{font-size:1.12rem}.card p{color:var(--ink-3);margin:0;font-size:.97rem}
.card.lift{border-top:3px solid var(--lime)}

/* stats */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:18px;text-align:center}
.stat{padding:26px 16px;border-radius:var(--r-lg);background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1)}
.stat b{display:block;font-family:var(--ff-d);font-size:clamp(2rem,4vw,2.8rem);font-weight:800;letter-spacing:-.03em;color:var(--lime);line-height:1}
.stat span{display:block;margin-top:8px;font-size:.92rem;color:rgba(255,255,255,.7)}

/* key facts / quick answer */
.qa{background:linear-gradient(135deg,#fff,var(--bg-2));border:1px solid var(--line-2);border-left:5px solid var(--lime);border-radius:var(--r-lg);padding:22px 26px;margin:0 0 28px}
.qa .lbl{font-family:var(--ff-d);font-weight:700;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--violet);margin-bottom:6px}
.qa p{margin:0;font-size:1.05rem}
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px;margin:0 0 30px}
.facts div{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:14px 16px}
.facts small{display:block;color:var(--ink-3);font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;font-family:var(--ff-d);font-weight:600}
.facts b{display:block;font-family:var(--ff-d);font-size:1.15rem;color:var(--plum);margin-top:4px}

/* article layout */
.art{display:grid;grid-template-columns:260px minmax(0,1fr);gap:clamp(28px,4vw,56px);align-items:start}.art>*{min-width:0}
.toc{position:sticky;top:88px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:18px 20px}
.toc summary{font-family:var(--ff-d);font-weight:700;cursor:pointer;list-style:none;color:var(--plum)}
.toc summary::-webkit-details-marker{display:none}
.toc ol{margin:12px 0 0;padding:0;list-style:none}
.toc li{margin:0}.toc a{display:block;padding:7px 10px;border-left:2px solid var(--line);color:var(--ink-3);text-decoration:none;font-size:.9rem;transition:all .2s}
.toc a:hover,.toc a.on{border-color:var(--lime);color:var(--plum);background:var(--bg-2)}
.toc .tcta{margin-top:16px}.toc .tcta .btn{width:100%}
.prose h2{margin-top:2em;scroll-margin-top:90px}.prose h3{margin-top:1.6em;scroll-margin-top:90px}
.prose ul,.prose ol{padding-left:1.3em}.prose li{margin-bottom:.4em}
.prose table{width:100%;border-collapse:collapse;table-layout:auto;word-break:break-word;overflow-wrap:anywhere;margin:1.2em 0;font-size:.95rem;background:#fff;border-radius:var(--r);overflow:hidden;box-shadow:var(--sh-1)}
.prose th,.prose td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{background:var(--plum);color:#fff;font-family:var(--ff-d);font-weight:600;font-size:.86rem}
.prose tr:last-child td{border:0}.prose tbody tr:hover td{background:var(--bg-2)}
.tbl-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:1.2em 0}.tbl-wrap table{margin:0;min-width:560px}
.callout{border-radius:var(--r);padding:18px 20px;margin:1.4em 0;border:1px solid var(--line-2);background:#fff;display:flex;gap:14px}
.callout .ci{flex:none;width:34px;height:34px;border-radius:10px;display:grid;place-items:center;background:var(--bg-3);color:var(--violet)}
.callout.warn{border-color:#f1d9a3;background:#fff9ec}.callout.warn .ci{background:#ffefc8;color:var(--warn)}
.callout.good{border-color:#bfe3cc;background:#f1faf4}.callout.good .ci{background:#d8f1e1;color:var(--ok)}
.callout p{margin:0}.callout p+p{margin-top:.5em}
.mid-cta{margin:2.2em 0;padding:26px 28px;border-radius:var(--r-lg);background:var(--plum-900);color:#fff;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;position:relative;overflow:hidden}
.mid-cta::before{content:"";position:absolute;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(191,226,54,.35),transparent 65%);right:-60px;top:-100px}
.mid-cta .mct{color:#fff;margin:0 0 4px;font-family:var(--ff-d);font-weight:700;font-size:1.25rem;line-height:1.2}.mid-cta p{margin:0;color:rgba(255,255,255,.7);font-size:.95rem}
.trustbox{margin:2em 0;border:1px solid var(--line-2);border-radius:var(--r-lg);padding:20px 22px;background:var(--bg-2);font-size:.92rem}
.trustbox h3{font-size:1.05rem;margin-bottom:8px;display:flex;align-items:center;gap:8px}
.trustbox ul{margin:0;padding-left:1.2em;color:var(--ink-2)}
.byline{display:flex;align-items:center;gap:12px;margin:0 0 1.6em;padding:12px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);font-size:.9rem;color:var(--ink-3);flex-wrap:wrap}
.byline .av{width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,var(--violet),var(--plum));color:#fff;display:grid;place-items:center;font-family:var(--ff-d);font-weight:700;font-size:.85rem}
.byline b{color:var(--plum)}
.chk{display:inline-flex;align-items:center;gap:6px;padding:4px 10px;border-radius:999px;background:#e3f3e8;color:#156b3a;font-family:var(--ff-d);font-weight:600;font-size:.78rem}
@media(max-width:900px){.art{grid-template-columns:1fr}.toc{position:static}.toc ol{display:none}.toc[open] ol{display:block}}
@media(min-width:901px){.toc summary{pointer-events:none}}

/* faq */
.faq{display:grid;gap:10px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:0 20px;transition:border-color .2s,box-shadow .2s}
.faq details[open]{border-color:var(--line-2);box-shadow:var(--sh-1)}
.faq summary{cursor:pointer;list-style:none;padding:17px 36px 17px 0;font-family:var(--ff-d);font-weight:700;font-size:1.02rem;color:var(--plum);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:0;top:50%;width:26px;height:26px;border-radius:50%;background:var(--bg-3);transform:translateY(-50%);background-image:linear-gradient(var(--violet),var(--violet)),linear-gradient(var(--violet),var(--violet));background-size:12px 2px,2px 12px;background-position:center;background-repeat:no-repeat;transition:transform .3s var(--ease)}
.faq details[open] summary::after{transform:translateY(-50%) rotate(135deg)}
.faq .a{padding:0 0 18px;color:var(--ink-2)}.faq .a p{margin:0 0 .6em}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:28px;background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);padding:clamp(20px,3vw,34px);box-shadow:var(--sh-2)}
.calc label{display:flex;justify-content:space-between;font-family:var(--ff-d);font-weight:600;font-size:.9rem;color:var(--ink-2);margin:14px 0 8px}
.calc label output{color:var(--violet);font-weight:800}
.calc input[type=range]{width:100%;accent-color:var(--violet);height:30px}
.calc select{width:100%;padding:12px;border-radius:10px;border:1px solid var(--line-2);font:inherit;background:#fff}
.calc .res{background:var(--plum-900);color:#fff;border-radius:var(--r-lg);padding:26px;display:flex;flex-direction:column;gap:14px;position:relative;overflow:hidden}
.calc .res::before{content:"";position:absolute;width:220px;height:220px;right:-70px;bottom:-90px;border-radius:50%;background:radial-gradient(circle,rgba(128,48,166,.6),transparent 65%)}
.calc .res .big{font-family:var(--ff-d);font-size:clamp(2.2rem,4vw,3rem);font-weight:800;color:var(--lime);letter-spacing:-.03em;line-height:1}
.calc .res small{color:rgba(255,255,255,.65);font-size:.85rem}
.calc .row{display:flex;justify-content:space-between;border-top:1px solid rgba(255,255,255,.12);padding-top:10px;font-size:.95rem}
.calc .row b{color:#fff}
.calc .bar{height:10px;border-radius:999px;background:rgba(255,255,255,.12);overflow:hidden;display:flex}
.calc .bar i{display:block;height:100%;background:var(--lime);transition:width .4s var(--ease)}.calc .bar i+i{background:var(--violet)}
.calc .legend{display:flex;gap:16px;font-size:.8rem;color:rgba(255,255,255,.7)}.calc .legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:middle}
@media(max-width:800px){.calc{grid-template-columns:1fr}}

/* bar chart (html) */
.bars{display:grid;gap:12px;margin:1.4em 0}
.bars .b{display:grid;grid-template-columns:150px 1fr 120px;gap:12px;align-items:center;font-size:.92rem}
.bars .b .t{height:14px;border-radius:999px;background:var(--bg-3);overflow:hidden}
.bars .b .t i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,var(--violet),var(--lime));width:0;transition:width 1.1s var(--ease)}
.bars .b.hi .t i{background:linear-gradient(90deg,var(--bad),#f0a28a)}
.bars .b b{font-family:var(--ff-d);text-align:right;color:var(--plum)}
.in-view .bars .b .t i{width:var(--w)}
@media(max-width:560px){.bars .b{grid-template-columns:1fr;gap:4px}.bars .b b{text-align:left}}

/* states */
.sfind{display:flex;gap:10px;max-width:560px;margin:0 auto 26px}
.sfind input{flex:1;padding:14px 18px;border-radius:999px;border:2px solid var(--line-2);font:inherit;font-size:1rem}
.sfind input:focus{border-color:var(--violet);outline:0}
.sres{text-align:center;min-height:30px;font-family:var(--ff-d);font-weight:600;margin-bottom:22px}
.sres.ok{color:var(--ok)}.sres.no{color:var(--bad)}
.sgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:8px}
.sgrid span{padding:10px 12px;border-radius:10px;background:#fff;border:1px solid var(--line);font-size:.9rem;display:flex;align-items:center;gap:8px}
.sgrid span::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--ok);flex:none}
.sgrid.no span::before{background:var(--line-2)}.sgrid.no span{color:var(--ink-3)}

/* timeline / steps */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px;counter-reset:s}
.step-c{position:relative;padding:28px 22px 22px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg)}
.step-c::before{counter-increment:s;content:counter(s,decimal-leading-zero);position:absolute;top:-14px;left:18px;background:var(--lime);color:var(--plum-900);font-family:var(--ff-d);font-weight:800;font-size:.8rem;padding:5px 11px;border-radius:999px}
.step-c h3{font-size:1.05rem}.step-c p{margin:0;color:var(--ink-3);font-size:.95rem}

/* compare table cards */
.cmp{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
.cmp .c{border-radius:var(--r-lg);padding:22px;background:#fff;border:1px solid var(--line)}
.cmp .c.hi{background:var(--plum-900);color:#fff;border-color:transparent;box-shadow:var(--sh-2)}.cmp .c.hi h3{color:#fff}.cmp .c.hi li{color:rgba(255,255,255,.8)}
.cmp ul{margin:12px 0 0;padding:0;list-style:none}.cmp li{padding:7px 0;border-top:1px solid rgba(128,128,128,.15);font-size:.93rem;display:flex;justify-content:space-between;gap:10px}
.cmp li b{font-family:var(--ff-d)}

/* related */
.rel{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}@media(max-width:900px){.rel{grid-template-columns:1fr 1fr}}@media(max-width:560px){.rel{grid-template-columns:1fr}}
.rel a{display:block;padding:20px;border-radius:var(--r-lg);background:#fff;border:1px solid var(--line);text-decoration:none;color:var(--ink);transition:transform .3s var(--ease),box-shadow .3s}
.rel a:hover{transform:translateY(-4px);box-shadow:var(--sh-2)}
.rel b{display:block;font-family:var(--ff-d);color:var(--plum);margin-bottom:6px}.rel span{font-size:.9rem;color:var(--ink-3)}
.rel .tag{display:inline-block;font-size:.76rem;font-family:var(--ff-d);font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--violet);margin-bottom:8px}

/* final cta */
.cta-big{position:relative;overflow:hidden;border-radius:var(--r-xl);padding:clamp(36px,6vw,64px);background:var(--plum-900);color:#fff;text-align:center;isolation:isolate}
.cta-big::before{content:"";position:absolute;inset:-40%;z-index:-1;background:conic-gradient(from 0deg,rgba(128,48,166,.6),rgba(191,226,54,.25),rgba(49,16,65,.4),rgba(128,48,166,.6));filter:blur(60px);animation:spin 28s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.cta-big h2{color:#fff}.cta-big p{color:rgba(255,255,255,.75);max-width:58ch;margin:0 auto 24px}

/* sticky cta */
.sticky{position:fixed;left:50%;bottom:16px;transform:translate(-50%,120%);z-index:55;background:rgba(30,9,41,.92);backdrop-filter:blur(12px);color:#fff;border-radius:999px;padding:8px 8px 8px 20px;display:flex;align-items:center;gap:14px;box-shadow:0 20px 50px -20px rgba(0,0,0,.6);transition:transform .45s var(--ease);max-width:calc(100% - 24px);font-family:var(--ff-d);font-weight:600;font-size:.9rem;white-space:nowrap}
.sticky.show{transform:translate(-50%,0)}
.sticky .btn{padding:10px 18px;font-size:.88rem}
@media(max-width:560px){.sticky{left:12px;right:12px;transform:translate(0,120%);max-width:none;justify-content:space-between;padding-left:16px}.sticky.show{transform:translate(0,0)}.sticky span{font-size:.82rem;white-space:normal;line-height:1.2}}

/* modal */
.modal{position:fixed;inset:0;z-index:80;display:none;place-items:center;background:rgba(30,9,41,.55);backdrop-filter:blur(4px);padding:20px}
.modal.open{display:grid}
.modal .mb{background:#fff;border-radius:var(--r-xl);padding:34px;max-width:460px;width:100%;position:relative;box-shadow:var(--sh-2);animation:pop .35s var(--ease)}
@keyframes pop{from{transform:translateY(16px) scale(.97);opacity:0}}
.modal .x{position:absolute;top:12px;right:12px;width:36px;height:36px;border-radius:50%;border:0;background:var(--bg-3);cursor:pointer;font-size:1.2rem;color:var(--plum)}
.modal h3{font-size:1.35rem}.modal p{color:var(--ink-3)}

/* breadcrumbs */
.crumbs{font-size:.84rem;color:var(--ink-3);margin:18px 0 0}.crumbs ol{list-style:none;padding:0;margin:0;display:flex;gap:6px;flex-wrap:wrap}.crumbs li+li::before{content:"›";margin-right:6px;color:var(--line-2)}.crumbs a{color:var(--ink-3);text-decoration:none;display:inline-block;padding:4px 0}.crumbs a:hover{color:var(--violet)}

/* page head */
.phead{padding:clamp(36px,5vw,64px) 0 28px;position:relative}
.phead h1{font-size:clamp(1.9rem,4.4vw,3rem)}
.phead .sub{font-size:1.1rem;color:var(--ink-3);max-width:62ch}

/* footer */
.ftr{background:var(--plum-900);color:rgba(255,255,255,.72);padding:56px 0 28px;font-size:.92rem;margin-top:0}
.ftr .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;margin-bottom:34px}
.ftr h2{color:#fff;font-size:.86rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:12px;font-weight:700}
.ftr ul{list-style:none;margin:0;padding:0}.ftr li{margin-bottom:4px}.ftr a{color:rgba(255,255,255,.75);text-decoration:none;display:inline-block;padding:4px 0}.ftr a:hover{color:var(--lime)}
.ftr .logo{color:#fff}.ftr .logo em{color:var(--lime)}
.ftr .disc{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;font-size:.8rem;color:rgba(255,255,255,.55);line-height:1.55}
.ftr .disc p{margin-bottom:.8em}
@media(max-width:860px){.ftr .cols{grid-template-columns:1fr 1fr}}@media(max-width:520px){.ftr .cols{grid-template-columns:1fr}}

/* feedback widget */
.fbk{margin:2em 0;padding:16px 20px;border-radius:var(--r);background:#fff;border:1px solid var(--line);display:flex;align-items:center;gap:12px;flex-wrap:wrap;font-size:.92rem}
.fbk button{border:1px solid var(--line-2);background:#fff;padding:7px 14px;border-radius:999px;cursor:pointer;font:inherit;font-weight:600;color:var(--plum)}.fbk button:hover{background:var(--bg-3)}
.fbk .thx{color:var(--ok);font-weight:600}

/* reveal */
.rv{opacity:.001;transform:translateY(14px);transition:opacity .45s var(--ease),transform .45s var(--ease)}
.rv.in{opacity:1;transform:none}
.rv-d1{transition-delay:.05s}.rv-d2{transition-delay:.1s}.rv-d3{transition-delay:.15s}.rv-d4{transition-delay:.2s}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none}}

/* marquee */
.mq{overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent)}
.mq-in{display:flex;gap:40px;width:max-content;animation:mq 32s linear infinite;padding:12px 0}
.mq-in span{font-family:var(--ff-d);font-weight:600;color:var(--ink-3);white-space:nowrap;display:inline-flex;align-items:center;gap:10px;font-size:.92rem}
.mq-in span::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--lime)}
@keyframes mq{to{transform:translateX(-50%)}}
.mq:hover .mq-in{animation-play-state:paused}

/* 404 */
.e404{text-align:center;padding:90px 0}.e404 .big{font-family:var(--ff-d);font-size:clamp(5rem,16vw,10rem);font-weight:800;line-height:1;background:linear-gradient(90deg,var(--violet),var(--lime));-webkit-background-clip:text;background-clip:text;color:transparent}

/* contact */
.cgrid{display:grid;grid-template-columns:1fr 1fr;gap:24px}@media(max-width:760px){.cgrid{grid-template-columns:1fr}}
.cform label{display:block;font-family:var(--ff-d);font-weight:600;font-size:.9rem;margin:14px 0 6px}
.cform input,.cform textarea,.cform select{width:100%;padding:12px 14px;border-radius:10px;border:1px solid var(--line-2);font:inherit;background:#fff}
.cform textarea{min-height:120px;resize:vertical}

.lead-note{font-size:.85rem;color:var(--ink-3)}
.tag-list{display:flex;gap:8px;flex-wrap:wrap;margin:10px 0 0}.tag-list a{padding:7px 13px;border-radius:999px;background:#fff;border:1px solid var(--line-2);font-size:.86rem;text-decoration:none;color:var(--plum);font-family:var(--ff-d);font-weight:600}.tag-list a:hover{background:var(--bg-3)}
.kv{display:grid;grid-template-columns:auto 1fr;gap:8px 18px;font-size:.95rem}.kv dt{font-family:var(--ff-d);font-weight:700;color:var(--plum)}.kv dd{margin:0;color:var(--ink-2)}
.legal .prose h2{font-size:1.35rem}

.ftr .disc a{display:inline;padding:0;text-decoration:underline;color:rgba(255,255,255,.8)}.tag-list a{min-height:32px;display:inline-flex;align-items:center}
@media(max-width:640px){.strip .wrap{display:grid;grid-template-columns:1fr 1fr;gap:10px 14px;justify-items:start;font-size:.8rem}.strip span:last-child{grid-column:1/-1;justify-self:center}}
@media(min-width:1041px){.menu a{padding:9px 10px;font-size:.88rem}.nav{gap:10px}}@media(min-width:1041px) and (max-width:1500px){.nav .btn-sm .long{display:none}.nav .btn-sm{padding:9px 13px;font-size:.84rem}.logo{font-size:1.05rem}.menu li.opt{display:none}}
.pic{margin:0 0 1.6em;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-2);aspect-ratio:16/9;background:var(--bg-3)}.pic img{width:100%;height:100%;object-fit:cover;display:block}
.pic-s{margin:0;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-2);aspect-ratio:16/9;background:var(--bg-3)}.pic-s img{width:100%;height:100%;object-fit:cover}
.split{display:grid;grid-template-columns:1.1fr 1fr;gap:28px;align-items:center;margin:0 0 30px}.split p{color:var(--ink-2)}@media(max-width:800px){.split{grid-template-columns:1fr}}
.srcbox ol{margin:0;padding-left:1.2em;font-size:.9rem}.srcbox li{margin-bottom:4px;word-break:break-word}.srcbox a{color:var(--violet-600)}
.prose h3{font-size:1.15rem}
.byline a.al{color:inherit;text-decoration:none;display:inline-block;padding:4px 0;margin:-4px 0;border-bottom:1px dotted var(--line-2)}.byline a.al:hover{color:var(--violet)}
.card h3 a{display:inline-block;padding:6px 0;color:var(--plum);text-decoration:none}.card h3 a:hover{color:var(--violet)}

/* ===== UX pass v6 ===== */
/* TOC collapsed on ≤900px: summary becomes a tappable bar with chevron */
@media(max-width:900px){
  .toc{padding:0;overflow:hidden}
  .toc summary{padding:14px 44px 14px 18px;position:relative;font-size:.98rem}
  .toc summary::after{content:"";position:absolute;right:16px;top:50%;width:10px;height:10px;border-right:2px solid var(--violet);border-bottom:2px solid var(--violet);transform:translateY(-70%) rotate(45deg);transition:transform .25s}
  .toc[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
  .toc ol{padding:0 18px 6px}.toc .tcta{display:none}
  .toc[open] .tcta{display:block;padding:0 18px 16px}
}
/* mobile: 2×2 feature cards, tighter */
@media(max-width:560px){
  .cards{grid-template-columns:1fr 1fr;gap:10px}
  .card{padding:16px 14px}.card .ic{width:38px;height:38px;border-radius:10px;margin-bottom:10px}.card .ic svg{width:20px;height:20px}
  .card h3{font-size:.98rem;margin-bottom:4px}.card p{font-size:.84rem;line-height:1.45}
  .facts{grid-template-columns:1fr 1fr;gap:8px}.facts div{padding:10px 12px}.facts b{font-size:1rem}
  .hero-cta .btn-ghost{padding:11px 18px;font-size:.92rem}
  .sec{padding:40px 0}
  .stats{grid-template-columns:1fr 1fr}.stat{padding:18px 10px}
  .cmp{grid-template-columns:1fr 1fr;gap:10px}.cmp .c{padding:14px}.cmp li{font-size:.84rem;padding:5px 0}
  .steps{gap:26px}
  .kpi b{font-size:1.25rem}
}
/* mobile form section: heading before the form box */
@media(max-width:900px){
  .form-shell{display:flex;flex-direction:column}
  .form-side{display:contents}.form-box{order:1}
  .form-side .step{display:none}
  .form-side .sec-head{order:0}.form-side .repex{order:2;margin-top:0}
  .form-shell .form-side .sec-head{margin-bottom:6px}
  .form-shell .form-side .sec-head p{font-size:.95rem}
}
/* laptop: hero fits fold (768px) */
@media(min-width:861px) and (max-height:820px){
  .hero-in{padding:36px 0 34px;gap:32px}
  .hero h1{font-size:clamp(2rem,3.6vw,2.7rem)}
  .hero .lead{font-size:1.02rem;margin-bottom:1.1em}
  .eyebrow{margin-bottom:14px}
  .hero-card{padding:18px}.kpi div{padding:10px 12px}.kpi b{font-size:1.2rem}
  .hero-card .est b{font-size:1.25rem}
}
/* tablet portrait: use width for 2-col article */
@media(min-width:760px) and (max-width:900px){
  .cards{grid-template-columns:1fr 1fr}
  .cmp{grid-template-columns:1fr 1fr}
}
/* sticky CTA: hide while mobile menu open */
body.menu-open .sticky{display:none}
/* focus ring visible on pills/summary */
.pill:focus-visible,.faq summary:focus-visible,.toc summary:focus-visible{outline:3px solid var(--lime);outline-offset:2px}
/* smoother tables on phones */
@media(max-width:560px){.prose th,.prose td{padding:9px 10px;font-size:.88rem}}

.fchecks{list-style:none;padding:0;margin:0 0 16px;display:grid;gap:8px}.fchecks li{display:flex;align-items:center;gap:10px;font-family:var(--ff-d);font-weight:600;font-size:.95rem;color:var(--ink-2)}.fchecks svg{width:18px;height:18px;color:var(--ok);flex:none}
.form-inline{margin-top:0}
@media(max-width:900px){.form-side .fchecks{order:0;margin-bottom:12px}}

/* ===== v7 polish ===== */
.split2{display:grid;grid-template-columns:1fr 1.05fr;gap:clamp(24px,4vw,56px);align-items:center}
.split2 h2{font-size:clamp(1.5rem,2.6vw,2.05rem)}.split2 p{color:var(--ink-2)}
@media(max-width:860px){.split2{grid-template-columns:1fr}}
.themes{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.th{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:20px 20px 18px;position:relative;overflow:hidden}
.th::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--lime)}.th.warn::before{background:var(--warn)}
.th b{display:block;font-family:var(--ff-d);font-size:1.08rem;color:var(--plum);margin-bottom:6px}.th span{font-size:.92rem;color:var(--ink-3)}
@media(max-width:900px){.themes{grid-template-columns:1fr 1fr}}@media(max-width:480px){.themes{grid-template-columns:1fr}}
/* hero: subtle photo wash behind card on desktop */
.hero .photo{position:absolute;right:-6%;top:-10%;width:58%;height:120%;z-index:-1;background:url(../img/p/personify-loans-1440.webp) center/cover no-repeat;opacity:.22;mask-image:linear-gradient(90deg,transparent 0%,#000 45%);-webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 45%);filter:saturate(1.2)}
@media(max-width:860px){.hero .photo{display:none}}
/* section rhythm + headings */
.sec-head h2{letter-spacing:-.025em}

/* tables: zebra + sticky header feel */
.prose tbody tr:nth-child(even) td{background:var(--bg-2)}
/* quick answer accent */
.qa{box-shadow:var(--sh-1)}
/* footer gradient top edge */
.ftr{position:relative}.ftr::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:linear-gradient(90deg,var(--violet),var(--lime))}
/* buttons: slightly larger radius consistency, pressed state */
.btn:active{transform:translateY(0) scale(.98)}
/* cards icon pop */
.card:hover .ic{background:var(--plum);color:var(--lime);border-color:var(--plum)}
/* image figure caption-less subtle inner ring */
.pic::after,.pic-s::after{content:"";position:absolute;inset:0;border-radius:inherit;box-shadow:inset 0 0 0 1px rgba(49,16,65,.08);pointer-events:none}.pic,.pic-s{position:relative}
@media(max-width:560px){.rel a:nth-child(n+4){display:none}.rel a{padding:14px 16px}.rel .tag{margin-bottom:4px}
 .ftr .cols{grid-template-columns:1fr 1fr;gap:22px}.ftr .cols>div:first-child{grid-column:1/-1}.ftr li{margin-bottom:2px}.ftr a{padding:3px 0;font-size:.9rem}.ftr{padding:40px 0 22px}}
@media(max-width:560px){.hide-m{display:none}}
/* form directly under hero: tighter top */
.hero+.form-sec{padding-top:clamp(36px,5vw,56px)}
@media(max-width:560px){.hero-card{display:none}.hero-in{padding-bottom:28px}}