:root{
  --navy:#0b2545; --navy2:#16365f; --navy3:#0f2f57; --pale:#e0f2fe; --sky:#7dd3fc; --blue:#0284c7; --blue-d:#0369a1; --sky-b:#38bdf8;
  --ink:#1f2937; --muted:#5b6574; --line:#d5dbe3; --soft:#f1f4f8; --white:#fff; --red:#c2410c;
  --r:16px; --shadow:0 10px 30px rgba(11,37,69,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{max-width:100%}
a{color:var(--blue-d)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #f59e0b;outline-offset:2px}
.wrap{max-width:1160px;margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 12px;z-index:100;border-radius:8px}
.skip:focus{left:8px}
h1,h2,h3{color:var(--navy);line-height:1.15;margin:0 0 .5em;letter-spacing:-.02em}
h2{font-size:clamp(1.7rem,3.2vw,2.5rem)}
h3{font-size:1.1rem}
p{margin:0 0 1em}
.center{text-align:center}
.eyebrow{font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--blue-d);margin-bottom:.6em}
.eyebrow.light{color:var(--sky)}
.sub{max-width:680px;margin:0 auto 2.2em;color:var(--muted);font-size:1.08rem}
.fine{font-size:.85rem;color:var(--muted);margin-top:1.2em}
.muted{color:#b9c4d3}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.45em;font-weight:700;text-decoration:none;border-radius:12px;padding:.8em 1.3em;border:2px solid transparent;cursor:pointer;font-size:1rem;line-height:1.1;transition:transform .12s,background .15s,box-shadow .15s;font-family:inherit}
.btn svg{width:1.05em;height:1.05em}
.btn:hover{transform:translateY(-1px)}
.btn-sm{padding:.6em 1em;font-size:.92rem;border-radius:10px}
.btn-lg{padding:1em 1.6em;font-size:1.06rem}
.btn-block{width:100%}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 6px 18px rgba(2,132,199,.3)}
.btn-primary:hover{background:var(--blue-d)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}
.btn-outline:hover{background:var(--soft)}
.btn-ghost{border-color:var(--line);color:var(--navy);background:#fff}
.btn-ghost:hover{border-color:var(--navy)}
.btn-sky{background:var(--sky);color:var(--navy)}
.btn-outline-light{border-color:rgba(255,255,255,.6);color:#fff}
.btn-outline-light:hover{background:rgba(255,255,255,.08)}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid #e7ebf0}
.nav{display:flex;align-items:center;gap:20px;height:70px}
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.4rem;letter-spacing:-.02em}
.brand b{color:var(--blue)}
.brand .mark{width:36px;height:36px;flex:none}
.brand-light{color:#fff}
.brand-light b{color:var(--sky)}
nav{margin-left:auto}
.links{display:flex;gap:26px;list-style:none;margin:0;padding:0}
.links a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem}
.links a:hover{color:var(--blue-d)}
.nav-cta{display:flex;gap:10px;align-items:center}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#d4ecfc 0,transparent 60%),linear-gradient(180deg,#f4f9fe 0,#fff 100%);padding:72px 0 80px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(2.4rem,5.4vw,4rem);margin-bottom:.35em}
.lead{font-size:clamp(1.08rem,1.6vw,1.25rem);color:#3b4656;max-width:560px}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:1.6em 0}
.ticks{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px 22px;color:var(--navy);font-weight:600;font-size:.95rem}
.ticks li{display:flex;align-items:center;gap:6px}
.ticks svg{width:18px;height:18px;color:var(--blue);stroke-width:3}
.hero-card{background:#fff;border-radius:22px;box-shadow:0 24px 60px rgba(11,37,69,.16);padding:28px;border:1px solid #e3eaf1}
.hc-label{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}
.hc-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:10px 0 18px}
.hc-row>div{display:flex;flex-direction:column}
.hc-k{font-size:.85rem;color:var(--muted)}
.hc-v{font-size:2.6rem;font-weight:800;letter-spacing:-.03em;line-height:1.1}
.hc-v.old{color:#9aa3af;text-decoration:line-through;text-decoration-thickness:3px;text-decoration-color:#e57373}
.hc-v.new{color:var(--blue)}
.hc-s{font-size:.95rem;color:var(--navy);font-weight:600}
.hc-bar{height:12px;border-radius:99px;background:var(--soft);margin:8px 0;overflow:hidden}
.hc-bar span{display:block;height:100%;background:#c5ccd6;border-radius:99px}
.hc-bar.new span{background:linear-gradient(90deg,var(--blue),var(--sky))}
.hc-save{margin:16px 0 0;background:var(--pale);color:var(--navy);border-radius:12px;padding:12px 16px;font-size:1.05rem}
.hc-save strong{color:var(--blue-d);font-size:1.3rem}

/* sections */
.section{padding:84px 0}
.section.alt{background:var(--soft)}
.savings{background:var(--navy);color:#dfe7f1}
.savings h2{color:#fff}
.savings .sub,.savings .fine{color:#b9c4d3}
.savings .eyebrow{color:var(--sky)}
.compare{display:grid;grid-template-columns:1fr auto 1fr;gap:20px;align-items:stretch;max-width:880px;margin:0 auto}
.cmp{border-radius:var(--r);padding:28px;text-align:center}
.cmp.old{background:var(--navy2);border:1px solid #284a77}
.cmp.new{background:var(--pale);color:var(--navy)}
.cmp-h{font-weight:700;font-size:.95rem;margin-bottom:.4em}
.cmp-big{font-size:clamp(2.3rem,5vw,3.2rem);font-weight:800;letter-spacing:-.03em;margin:0;line-height:1.1}
.cmp.old .cmp-big{color:#fff}
.cmp.new .cmp-big{color:var(--navy)}
.cmp-big small{font-size:.45em;font-weight:600;opacity:.8}
.cmp-rate{margin:.4em 0 0;font-weight:600}
.cmp.new .cmp-rate{color:var(--blue-d)}
.cmp-arrow{align-self:center;font-size:2rem;color:var(--sky)}
.save-band{display:grid;grid-template-columns:1fr 1fr;max-width:880px;margin:22px auto 0;background:var(--blue);border-radius:var(--r);overflow:hidden}
.save-band>div{padding:22px;text-align:center;color:#fff}
.save-band>div+div{border-left:1px solid rgba(255,255,255,.25)}
.sb-big{display:block;font-size:clamp(2rem,4.4vw,2.8rem);font-weight:800;letter-spacing:-.03em;line-height:1.1}
.sb-k{font-weight:600;opacity:.95}

.feat-grid{list-style:none;padding:0;margin:2.4em 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.feat{background:#fff;border:1px solid #e3e8ee;border-radius:var(--r);padding:24px;box-shadow:0 2px 0 rgba(11,37,69,.02)}
.feat h3{margin:.8em 0 .35em}
.feat p{color:var(--muted);margin:0;font-size:.96rem}
.ic{display:inline-flex;width:46px;height:46px;border-radius:12px;background:var(--pale);color:var(--blue-d);align-items:center;justify-content:center}
.ic svg{width:24px;height:24px}
.powered{margin:32px auto 0;max-width:820px;text-align:center;background:var(--soft);border-radius:var(--r);padding:20px 26px;color:#3b4656}
.powered p{margin:0}
.powered strong{color:var(--navy)}

.pricing-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.formula{display:flex;flex-direction:column;align-items:stretch;gap:10px}
.f-part{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;display:flex;justify-content:space-between;align-items:center;gap:12px}
.f-part.pale{background:var(--pale);border-color:#bae6fd}
.f-part.navy{background:var(--navy);border-color:var(--navy);color:#fff}
.f-k{font-weight:700;color:var(--navy);font-size:1.1rem}
.f-part.navy .f-k{color:#fff}
.f-v{font-size:.9rem;color:var(--muted);font-weight:600}
.f-part.navy .f-v{color:var(--sky)}
.f-plus{text-align:center;font-size:1.4rem;font-weight:800;color:var(--blue);line-height:1}
.login-note{margin-top:2em;color:var(--muted)}

/* quote */
.quote{background:linear-gradient(160deg,var(--navy) 0,var(--navy3) 100%);color:#dfe7f1}
.quote h2{color:#fff}
.quote-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.steps{list-style:none;padding:0;margin:1.6em 0;display:grid;gap:14px}
.steps li{display:flex;gap:14px;align-items:center}
.steps b{flex:none;width:34px;height:34px;border-radius:50%;background:var(--sky);color:var(--navy);display:inline-flex;align-items:center;justify-content:center}
.direct{border-top:1px solid rgba(255,255,255,.15);padding-top:20px;margin-top:10px}
.direct-h{font-weight:700;color:#fff;margin-bottom:.4em}
.direct p{margin:.2em 0}
.direct a{color:#fff;text-decoration:none;display:inline-flex;align-items:center;gap:10px;font-weight:600;font-size:1.08rem;word-break:break-all}
.direct a:hover{text-decoration:underline}
.direct svg{width:20px;height:20px;color:var(--sky);flex:none}
.muted-l{color:#b9c4d3;font-size:.92rem;margin-top:.4em!important}
.quote-form{background:#fff;color:var(--ink);border-radius:22px;padding:30px;box-shadow:0 24px 60px rgba(0,0,0,.25)}
.quote-form h3{font-size:1.4rem;margin-bottom:.8em}
.field{display:flex;flex-direction:column;margin-bottom:14px;min-width:0}
.field label{font-weight:600;font-size:.92rem;margin-bottom:6px;color:var(--navy)}
.opt{font-weight:400;color:var(--muted)}
.field input,.field select,.field textarea{font:inherit;font-size:1rem;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);width:100%}
.field input[type=file]{padding:10px;background:var(--soft);font-size:.9rem}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 3px rgba(2,132,199,.18)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.hint{font-size:.84rem;color:var(--muted);margin:6px 0 0}
.quote-form .btn{margin-top:6px}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}

/* apply */
.apply{padding:64px 0;background:#fff}
.apply-box{display:flex;justify-content:space-between;align-items:center;gap:30px;background:var(--navy);color:#dfe7f1;border-radius:24px;padding:40px 44px;flex-wrap:wrap}
.apply-box h2{color:#fff;margin-bottom:.3em}
.apply-box p{margin:0;max-width:560px}
.apply-box .cta-row{margin:0}

/* footer */
.site-footer{background:#081b33;color:#dfe7f1;padding:56px 0 30px;font-size:.95rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px}
.site-footer p{margin:.3em 0}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.foot-h{color:var(--sky);font-size:.82rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:.8em}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:22px;color:#93a1b5;font-size:.85rem}

/* thanks */
.thanks{background:linear-gradient(180deg,#f4f9fe,#fff);padding:90px 0 110px;min-height:60vh}
.thanks-box{max-width:680px;text-align:center}
.big-check{display:inline-flex;width:76px;height:76px;border-radius:50%;background:var(--pale);color:var(--blue);align-items:center;justify-content:center;margin-bottom:20px}
.big-check svg{width:40px;height:40px;stroke-width:3}
.thanks h1{font-size:clamp(2rem,4.5vw,2.8rem)}
.thanks .lead{margin:0 auto 1em}
.center-row{justify-content:center}

/* responsive */
@media (max-width:1020px){
  .links{display:none}
  .feat-grid{grid-template-columns:repeat(2,1fr)}
  .hero-grid,.pricing-grid,.quote-grid{grid-template-columns:1fr;gap:40px}
  .hero-card{max-width:520px}
}
@media (max-width:640px){
  .wrap{padding:0 18px}
  .nav{height:62px;gap:10px}
  .brand{font-size:1.2rem}
  .brand .mark{width:30px;height:30px}
  .hide-xs{display:none}
  .hero{padding:44px 0 56px}
  .section{padding:60px 0}
  .cta-row .btn-lg{flex:1 1 100%}
  .compare{grid-template-columns:1fr}
  .cmp-arrow{transform:rotate(90deg);justify-self:center;line-height:1}
  .save-band{grid-template-columns:1fr}
  .save-band>div+div{border-left:0;border-top:1px solid rgba(255,255,255,.25)}
  .feat-grid,.feat-grid.four{grid-template-columns:1fr}
  .two{grid-template-columns:1fr;gap:0}
  .quote-form{padding:22px}
  .apply-box{padding:30px 24px}
  .foot-grid{grid-template-columns:1fr;gap:24px}
  .hc-v{font-size:2.2rem}
}

.portal-btn{padding:.45em .9em;background:var(--pale);border-color:#bae6fd}
.portal-btn:hover{border-color:var(--navy);background:#d4ecfb}
.pp{display:flex;flex-direction:column;align-items:flex-start;line-height:1.1}
.pp small{font-size:.66rem;font-weight:600;color:var(--muted);letter-spacing:.02em}

[hidden]{display:none!important}
.small{font-size:.85em}
.hero-partner{display:inline-flex;align-items:center;gap:10px;margin:22px 0 0;padding:8px 14px;border-radius:99px;background:#fff;border:1px solid #cce4f6;color:var(--navy);font-weight:700;font-size:.9rem}
.hero-partner .dot{width:9px;height:9px;border-radius:50%;background:var(--blue);box-shadow:0 0 0 4px rgba(2,132,199,.15)}
.powered .badge{display:inline-flex;align-items:center;gap:8px;background:var(--navy);color:#fff;border-radius:99px;padding:8px 16px;font-weight:700;font-size:.92rem;margin-bottom:12px}
.powered .badge svg{width:16px;height:16px;color:var(--sky);stroke-width:3}

html{background:#081b33}
body{background:#fff}
.quote-grid>*,.hero-grid>*,.pricing-grid>*{min-width:0}
.legal-row{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.site-footer a.partner-link{color:#7d8ca1;font-size:.8rem}
.apply-box{margin:0}
@media (max-width:640px){
  .feat{display:grid;grid-template-columns:46px 1fr;column-gap:16px;padding:18px}
  .feat .ic{grid-row:span 2}
  .feat h3{margin:.1em 0 .25em}
  .feat-grid{gap:12px}
  .field input[type=file]{font-size:.85rem}
}

.brand .logo{height:44px;width:auto;display:block}
.site-footer .brand .logo{height:46px}
.foot-links{display:inline-flex;gap:16px}
@media (max-width:640px){.brand .logo{height:36px}}

/* ===== New merchant (private, unlisted) page ===== */
.nm-body{background:#f1f7fc;margin:0}
.nm-wrap{max-width:880px;margin:0 auto;padding:0 20px}
.nm-top{background:radial-gradient(700px 300px at 90% -20%,rgba(56,189,248,.28) 0,transparent 70%),var(--navy);color:#dfe7f1;padding:20px 0 72px}
.nm-topbar{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:34px}
.nm-top .logo{height:40px;width:auto}
.nm-pill{font-size:.78rem;font-weight:700;letter-spacing:.04em;color:var(--navy);background:var(--sky);border-radius:99px;padding:6px 12px;white-space:nowrap}
.nm-top h1{color:#fff;font-size:clamp(1.9rem,6vw,2.7rem);line-height:1.15;margin:0 0 .4em;letter-spacing:-.02em}
.nm-sub{margin:0;color:#c7d6e8;font-size:1.05rem;max-width:620px}
.nm-cards{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:-44px}
.nm-card{background:#fff;border-radius:22px;padding:26px 24px 24px;box-shadow:0 18px 44px rgba(11,37,69,.14);border:2px solid #e3ecf4;display:flex;flex-direction:column}
.nm-card-accent{border-color:var(--sky-b)}
.nm-card-head{display:flex;align-items:center;justify-content:space-between;gap:10px;flex-wrap:wrap}
.nm-card h2{margin:0;font-size:1.7rem;color:var(--navy);letter-spacing:-.01em}
.nm-tag{font-size:.78rem;font-weight:700;color:var(--navy);background:#eef2f7;border-radius:99px;padding:5px 11px}
.nm-tag-sky{background:var(--pale);color:var(--blue-d)}
.nm-desc{color:#3b4656;font-size:1.04rem;margin:12px 0 18px;flex:1}
.nm-id{display:flex;align-items:center;gap:10px;background:#f4f8fc;border:1px solid #dbe6f0;border-radius:14px;padding:12px 14px;margin-bottom:16px}
.nm-id-k{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}
.nm-id-v{font-size:1.35rem;font-weight:800;color:var(--navy);letter-spacing:.03em;flex:1;font-variant-numeric:tabular-nums}
.nm-id-v.pending{font-size:1.05rem;font-weight:700;color:#8a95a5;letter-spacing:0}
.nm-copy{display:inline-flex;align-items:center;gap:6px;font:inherit;font-size:.9rem;font-weight:700;color:var(--blue-d);background:#fff;border:1.5px solid #bae6fd;border-radius:10px;padding:8px 12px;cursor:pointer;min-height:40px}
.nm-copy svg,.nm-note-copy svg{width:16px;height:16px}
.nm-copy.done,.nm-note-copy.done{background:var(--pale);border-color:var(--sky-b)}
.nm-go{display:flex;align-items:center;justify-content:center;gap:10px;min-height:60px;border-radius:16px;background:var(--blue);color:#fff;font-weight:800;font-size:1.12rem;text-decoration:none;padding:14px 18px;box-shadow:0 8px 20px rgba(2,132,199,.3);text-align:center}
.nm-go:hover{background:var(--blue-d)}
.nm-go svg{width:20px;height:20px;flex:none}
.nm-go.disabled{background:#d5dbe3;color:#6b7684;box-shadow:none;pointer-events:none;cursor:not-allowed}
.nm-pending{margin:12px 0 0;font-size:.9rem;color:var(--muted)}
.nm-note{margin:24px 0 0;background:var(--navy);color:#dfe7f1;border-radius:22px;padding:26px 24px;text-align:center;box-shadow:0 18px 44px rgba(11,37,69,.2)}
.nm-note p{margin:0}
.nm-note-k{color:var(--sky);font-weight:700;font-size:.85rem;text-transform:uppercase;letter-spacing:.1em}
.nm-note-big{color:#fff;font-size:clamp(1.7rem,7vw,2.3rem);font-weight:800;margin:8px 0 4px!important;line-height:1.2}
.nm-note-big strong{color:var(--sky-b);letter-spacing:.03em}
.nm-note-plan{color:#c7d6e8}
.nm-note-copy{display:inline-flex;align-items:center;justify-content:center;gap:8px;margin:18px 0 12px;min-height:56px;padding:12px 26px;border:0;border-radius:14px;background:var(--sky);color:var(--navy);font:inherit;font-weight:800;font-size:1.08rem;cursor:pointer}
.nm-note-small{font-size:.92rem;color:#b9c4d3}
.nm-note-small a{color:#fff}
.nm-foot{margin:28px 0 36px;text-align:center;font-size:.85rem;color:var(--muted)}
.nm-foot a{color:var(--blue-d)}
@media (max-width:720px){.nm-cards{grid-template-columns:1fr}.nm-top{padding-bottom:64px}.nm-topbar{margin-bottom:26px}}
html:has(.nm-body){background:#f1f7fc}
.nm-body{min-height:100vh;display:flex;flex-direction:column}
.nm-body .nm{flex:1}

/* apply page */
.apply-page{padding-top:64px}
.apply-page h1{color:#fff;font-size:clamp(2rem,4.4vw,2.9rem);line-height:1.12;margin:0 0 .35em}
.ap-lead{font-size:1.1rem;color:#dfe7f1}
.ap-steps{list-style:none;padding:0;margin:1.6em 0;display:grid;gap:16px}
.ap-steps li{display:flex;gap:14px;align-items:flex-start}
.ap-steps b{flex:none;width:34px;height:34px;border-radius:50%;background:var(--sky);color:var(--navy);display:inline-flex;align-items:center;justify-content:center}
.ap-steps strong{display:block;color:#fff}
.ap-steps span{display:block;color:#b9c4d3;font-size:.95rem}
.ap-safe{display:flex;gap:12px;align-items:flex-start;background:rgba(125,211,252,.10);border:1px solid rgba(125,211,252,.35);border-radius:14px;padding:14px 16px;margin:0 0 22px}
.ap-safe svg{width:24px;height:24px;color:var(--sky);flex:none;margin-top:2px}
.ap-safe p{margin:0;font-size:.95rem;color:#dfe7f1}
.ap-safe strong{color:#fff}
.form-h{font-size:1.35rem;color:var(--navy);margin:0 0 .8em;line-height:1.25}
.ap-choice{border:0;padding:0;margin:0 0 14px}
.ap-choice legend{font-weight:600;font-size:.92rem;margin-bottom:6px;color:var(--navy);padding:0}
.seg{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.seg label{position:relative;cursor:pointer}
.seg input{position:absolute;opacity:0;width:1px;height:1px}
.seg span{display:flex;align-items:center;justify-content:center;min-height:48px;border:1.5px solid var(--line);border-radius:10px;font-weight:600;color:var(--navy);background:#fff}
.seg input:checked+span{border-color:var(--blue);background:var(--pale);color:var(--blue-d);box-shadow:inset 0 0 0 1px var(--blue)}
.seg input:focus-visible+span{outline:3px solid var(--sky-b);outline-offset:2px}
.ap-consent{display:flex;gap:10px;align-items:flex-start;font-size:.92rem;color:var(--ink);margin:6px 0 14px;cursor:pointer}
.ap-consent input{width:22px;height:22px;flex:none;margin-top:1px;accent-color:var(--blue)}
.ap-error{background:#fff4ed;border:1px solid #fdba8c;color:#9a3412;border-radius:10px;padding:10px 12px;font-weight:600;font-size:.95rem}
.field .bad,.seg.bad span{border-color:#ea580c!important}
.ap-done{text-align:center}
.ap-done .form-h{font-size:1.45rem}
.ap-status{font-weight:600}
.pill-pending{display:inline-block;background:#fef3c7;color:#92400e;border-radius:999px;padding:.15em .8em;font-weight:700}
@media (max-width:640px){.apply-page{padding-top:40px}}
.nm-admin-link{text-decoration:none}
.nm-admin-link:hover{text-decoration:underline}
.quote .quote-form .form-h{color:var(--navy)}

/* Apply page: North online application button (v5) */
.ap-online{background:rgba(255,255,255,.06);border:1px solid rgba(125,211,252,.35);border-radius:16px;padding:18px;margin:1.2em 0 .4em}
.ap-online .btn{font-size:1.15rem}
.ap-online .btn svg{width:20px;height:20px}
.ap-online p{margin:10px 0 0;font-size:.9rem;color:#b9c4d3;text-align:center}
.form-sub{margin:-.4em 0 1.1em;color:var(--muted);font-size:.95rem}

.field[hidden]{display:none}
.ap-grid{grid-template-areas:"intro form" "more form";row-gap:0}
.ap-grid>.ap-intro{grid-area:intro}.ap-grid>.ap-formcol{grid-area:form}.ap-grid>.ap-more{grid-area:more}
@media (max-width:1020px){.ap-grid{grid-template-areas:"intro" "form" "more";row-gap:28px}.ap-grid .ap-steps{margin-top:0}}

/* ===== Short-term business loans (Oct 23, 2026) ===== */
.choose{background:linear-gradient(180deg,#f4f9fe 0,#fff 100%);padding:26px 0 6px}
.choose-h{font-size:.82rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--blue-d);text-align:center;margin:0 0 12px}
.choose-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;max-width:860px;margin:0 auto}
.choice{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--ink);background:#fff;border:2px solid var(--line);border-radius:18px;padding:18px 18px;box-shadow:var(--shadow);transition:transform .15s,border-color .15s}
.choice:hover{transform:translateY(-2px);border-color:var(--blue)}
.choice .ci{flex:none;width:52px;height:52px;border-radius:14px;background:var(--pale);color:var(--blue-d);display:flex;align-items:center;justify-content:center}
.choice .ci svg{width:28px;height:28px}
.choice.loan{background:var(--navy);border-color:var(--navy);color:#dfe7f1}
.choice.loan .ci{background:rgba(125,211,252,.16);color:var(--sky)}
.choice strong{display:block;font-size:1.15rem;color:var(--navy);line-height:1.2}
.choice.loan strong{color:#fff}
.choice small{display:block;font-size:.9rem;color:var(--muted);margin-top:3px}
.choice.loan small{color:#b9c4d3}
.choice .go{margin-left:auto;font-size:1.4rem;color:var(--blue);flex:none}
.choice.loan .go{color:var(--sky)}
.choice.here{border-color:var(--blue)}
.choice.here small b{color:var(--blue-d)}
@media (max-width:640px){.choose{padding:16px 0 0}.choose-grid{grid-template-columns:1fr;gap:10px}.choice{padding:14px}.choice .ci{width:44px;height:44px}.choice strong{font-size:1.05rem}}

.loan-hero{background:linear-gradient(160deg,var(--navy) 0,var(--navy3) 100%);color:#dfe7f1;padding:64px 0 70px}
.loan-hero h1{color:#fff;font-size:clamp(2.2rem,5vw,3.6rem);margin-bottom:.35em}
.loan-hero .lead{color:#dfe7f1}
.loan-hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.loan-hero-grid>*{min-width:0}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}
.btn-light:hover{background:var(--pale)}
.ticks.light{color:#fff}
.ticks.light svg{color:var(--sky)}
.loan-callout{background:#fff;color:var(--ink);border-radius:22px;padding:26px;box-shadow:0 24px 60px rgba(0,0,0,.25);border-top:6px solid var(--sky-b)}
.lc-big{font-size:1.45rem;font-weight:800;color:var(--navy);line-height:1.2;margin-bottom:.4em;letter-spacing:-.01em}
.lc-sub{color:#3b4656}
.lc-fine{font-size:.82rem;color:var(--muted);margin:10px 0 0;text-align:center}
.section.soft{background:var(--soft)}
.tiers{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;align-items:start}
.tier{background:#fff;border:1.5px solid var(--line);border-radius:20px;padding:20px;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:10px;scroll-margin-top:90px}
.tier.open{border-color:var(--blue);box-shadow:0 14px 40px rgba(2,132,199,.18)}
.tier.top{border-top:5px solid var(--sky-b)}
.tier p{margin:0}
.tier-rev{font-size:.85rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;font-weight:700}
.tier-rev b{color:var(--navy);text-transform:none;letter-spacing:0;font-size:1rem;display:block}
.tier-amt{font-size:2.4rem;margin:0;color:var(--navy);letter-spacing:-.03em;line-height:1}
.tier-amt small{display:block;font-size:.85rem;font-weight:600;color:var(--muted);letter-spacing:0;margin-bottom:4px}
.tier-pay{font-size:1.05rem;color:var(--ink)}
.tier-pay b{color:var(--blue-d);font-size:1.2rem}
.tier-total{font-size:.9rem;color:var(--muted)}
.tier-sub{font-size:.85rem;color:var(--muted)}
.tier .btn{margin-top:2px}
.tier-more{border-top:1px solid var(--line);padding-top:12px;display:flex;flex-direction:column;gap:12px}
.tier-more[hidden]{display:none}
.tier-facts{margin:0;display:grid}
.tier-facts div{display:flex;justify-content:space-between;gap:12px;padding:6px 0;border-bottom:1px solid var(--soft);font-size:.92rem}
.tier-facts dt{color:var(--muted)}
.tier-facts dd{margin:0;font-weight:700;color:var(--navy);text-align:right}
.tier-table{width:100%;border-collapse:collapse;font-size:.88rem}
.tier-table th,.tier-table td{padding:8px 4px;text-align:right;border-bottom:1px solid var(--soft);vertical-align:top}
.tier-table thead th{font-size:.74rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:700}
.tier-table thead th:first-child,.tier-table tbody th{text-align:left}
.tier-table tbody th{font-weight:400}
.tier-table .tr-k{display:block;font-size:.78rem;color:var(--muted);line-height:1.25}
.tier-table tbody th b{color:var(--navy)}
.tier-table td{font-weight:700;color:var(--navy);white-space:nowrap}
.tier-table tr.good td,.tier-table tr.good th b{color:#047857}
.tier-ticks{list-style:none;margin:0;padding:0;display:grid;gap:6px;font-size:.9rem}
.tier-ticks li{padding-left:22px;position:relative}
.tier-ticks li:before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:800}
.tier-fine{font-size:.78rem;color:var(--muted);line-height:1.45}
.loan-steps{list-style:none;padding:0;margin:2em 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.loan-steps li{background:#fff;border-radius:18px;padding:20px;box-shadow:var(--shadow);display:flex;gap:12px;align-items:flex-start}
.loan-steps b{flex:none;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:inline-flex;align-items:center;justify-content:center}
.loan-steps strong{display:block;color:var(--navy);margin-bottom:2px}
.loan-steps span{display:block;color:var(--muted);font-size:.93rem}
.lower-card{background:linear-gradient(135deg,#e0f2fe 0,#f4f9fe 100%);border:1.5px solid #bae6fd;border-radius:24px;padding:32px;display:grid;gap:18px}
.lower-card h2{font-size:clamp(1.5rem,2.8vw,2.1rem)}
.lr-lead{font-size:1.08rem;color:#3b4656;max-width:720px}
.lr-more[hidden]{display:none}
.lr-list{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.lr-list li{display:flex;gap:10px;align-items:flex-start;background:#fff;border-radius:14px;padding:14px}
.lr-list svg{width:20px;height:20px;color:var(--blue);flex:none;stroke-width:3;margin-top:3px}
.lr-list strong{color:var(--navy)}
.faq-wrap{max-width:780px}
.faq{background:#fff;border-radius:14px;padding:4px 18px;margin-bottom:10px;box-shadow:0 2px 8px rgba(11,37,69,.06)}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:14px 0;list-style-position:outside}
.faq p{color:#3b4656}
.loan-cta h2{margin-bottom:.3em}
.center-row{justify-content:center}
.loan-disclaimer{color:#b9c4d3;line-height:1.55}
.loan-disclaimer strong{color:#fff}
.money-in{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:10px;background:#fff;overflow:hidden}
.money-in span{padding:0 4px 0 14px;font-weight:700;color:var(--navy)}
.money-in input{border:0!important;box-shadow:none!important;flex:1;min-width:0;padding-left:4px!important}
.money-in:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px rgba(2,132,199,.18)}
.money-in:has(.bad){border-color:#ea580c}
.hint.left{text-align:left}
.est-box{background:var(--pale);border-radius:10px;padding:10px 12px;margin-top:8px;font-size:.92rem;color:var(--navy)}
.est-box p{margin:0}
.est-box .est-low{color:#047857;font-size:.86rem;margin-top:3px}
fieldset.seg{border:0;padding:0;margin:0 0 14px;grid-template-columns:1fr 1fr}
fieldset.seg legend{font-weight:600;font-size:.92rem;margin-bottom:6px;color:var(--navy);padding:0;grid-column:1/-1}
.seg.bad span{border-color:#ea580c!important}
.soft-check{background:var(--soft);border-radius:10px;padding:10px 12px}
.soft-check[hidden]{display:none}
a.on-dark{color:var(--sky)!important;font-size:.95rem!important}
.terms-page{background:var(--soft)}
.narrow{max-width:820px}
.terms-card{background:#fff;border-radius:20px;padding:26px;box-shadow:var(--shadow);margin:20px 0}
.terms-card h2{font-size:1.4rem}
.need-list{padding-left:1.2em;margin:0 0 1em;display:grid;gap:8px}
.terms-list{padding-left:1.3em;display:grid;gap:10px;margin:0}
.terms-card.draft{border:2px dashed #f59e0b}
.draft-badge{display:inline-block;background:#fef3c7;color:#92400e;font-weight:800;font-size:.8rem;letter-spacing:.06em;border-radius:99px;padding:5px 12px;text-transform:uppercase}
@media (max-width:1020px){.loan-hero-grid{grid-template-columns:1fr;gap:32px}.loan-steps{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.loan-hero{padding:40px 0 48px}.loan-steps{grid-template-columns:1fr}.lower-card{padding:22px}.terms-card{padding:20px}.tier-amt{font-size:2.1rem}.loan-callout{padding:22px}}
.choice.loan small .bc{color:var(--sky);display:block;font-weight:700}
.loan-hero .lead .hl{color:#fff}

/* Oct 23, 2026: 12-month lower-rate alert + loan application addresses */
.rate-alert{display:flex;gap:12px;align-items:flex-start;background:#fffbeb;border:1px solid #f59e0b;border-left:6px solid #f59e0b;border-radius:12px;padding:14px 16px;margin:16px 0;color:#78350f;text-align:left}
.rate-alert svg{flex:0 0 26px;width:26px;height:26px;color:#d97706;margin-top:1px}
.rate-alert p{margin:0;font-size:.98rem;line-height:1.45}
.rate-alert strong{color:#92400e}
.rate-alert .ra-sub{display:block;margin-top:4px;font-size:.84rem;color:#92400e;opacity:.9}
.rate-alert.compact{padding:11px 13px;margin:12px 0}
.rate-alert.compact svg{flex-basis:22px;width:22px;height:22px}
.rate-alert.compact p{font-size:.9rem}
#switch-wrap[hidden]{display:none}
#switch-wrap .rate-alert{margin-top:10px}
fieldset.addr{border:1px solid var(--line);border-radius:12px;padding:12px 14px 4px;margin:0 0 16px;min-width:0}
fieldset.addr legend{font-weight:700;font-size:.95rem;color:var(--navy);padding:0 6px}
fieldset.addr .field{margin-bottom:12px}
.addr-body[hidden]{display:none}
.same-check{display:flex;gap:8px;align-items:center;background:var(--soft);border-radius:10px;padding:10px 12px;margin:4px 0 12px;font-size:.95rem;cursor:pointer}
.same-check input{width:20px;height:20px;margin:0;flex:0 0 auto}
.addr-sz{grid-template-columns:1.3fr 1fr}
.nc-star{color:var(--blue-d);font-weight:700;margin-left:1px}
.nc-note{font-size:.82rem;color:var(--muted);margin:10px 0 0}