@font-face {
  font-family: 'CDR Display';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/anton-latin-ext-v1.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'CDR Display';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/anton-latin-v1.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'CDR Sans';
  font-style: normal;
  font-weight: 100 1000;
  font-display: swap;
  src: url(/assets/dm-sans-latin-ext-v1.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'CDR Sans';
  font-style: normal;
  font-weight: 100 1000;
  font-display: swap;
  src: url(/assets/dm-sans-latin-v1.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@layer reset,base,layout,components,responsive;
@layer reset{*{box-sizing:border-box}body,h1,h2,h3,p{margin:0}img{display:block;max-width:100%}button,input,select{font:inherit}a{color:inherit}button,a{-webkit-tap-highlight-color:transparent}html{scroll-behavior:smooth;scroll-padding-top:100px}}
@layer base{:root{--blue:#0274be;--deep:#092f4b;--ink:#102f44;--muted:#506777;--line:#dce7eb;--pale:#eef6fa;--paper:#fbfcfa}body{font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);font-size:16px;line-height:1.65}h1,h2,h3{line-height:1.12;letter-spacing:-.045em}h1{font-size:clamp(2.8rem,5.2vw,4.65rem);font-weight:600}h2{font-size:clamp(2rem,3.5vw,3.2rem);font-weight:600}h3{font-size:1.4rem;font-weight:600}p{color:var(--muted)}a{text-underline-offset:4px}button{cursor:pointer}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #db8b13;outline-offset:5px}::selection{background:#c4e7fa}small{font-size:.8rem}}
@layer layout{.wrap{width:min(1200px,calc(100% - 64px));margin-inline:auto}.section{padding-block:96px}.topbar{background:var(--deep);color:white;font-size:.75rem;letter-spacing:.03em}.topbar .wrap{display:flex;justify-content:space-between;padding-block:8px}.header{background:rgba(251,252,250,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.nav{height:90px;display:flex;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;margin-right:auto;line-height:1.1;white-space:nowrap}.brand-mark{display:grid;place-items:center;background:var(--blue);color:white;width:40px;height:44px;border-radius:12px 12px 18px 18px;font-size:27px}.brand strong{font-size:19px;letter-spacing:-.6px}.brand small{display:block;font-size:10px;letter-spacing:1.8px;margin-top:5px;color:var(--muted)}.navlinks{display:flex;gap:28px;align-items:center}.navlinks>a{font-size:.85rem;text-decoration:none}.navlinks>a:hover{color:var(--blue)}.hero{display:grid;grid-template-columns:1.12fr 1fr;gap:70px;align-items:center;padding-block:60px 70px}.hero-copy{padding-block:20px}.hero h1{margin:22px 0}.hero h1 em{font-style:normal;color:var(--blue)}.hero .intro{font-size:1.1rem;max-width:490px;margin-bottom:28px}.hero-art{position:relative;padding-bottom:28px}.hero-art .site-photo img{width:100%;height:535px;object-fit:cover;border-radius:160px 16px 16px 16px}.image-note{position:absolute;right:15px;top:18px;font-size:10px;background:#fff9;border-radius:4px;padding:3px 7px;color:#365569}.float-card{position:absolute;bottom:0;left:-26px;background:white;padding:20px 24px;box-shadow:0 12px 35px #12354a14;border:1px solid var(--line);border-radius:12px;display:flex;align-items:center;gap:16px;max-width:90%}.float-card strong{display:block;font-size:1rem}.float-card p{font-size:.8rem}.trust-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:white}.trust-items{display:grid;grid-template-columns:repeat(4,1fr);padding-block:24px;gap:24px;font-size:.86rem}.trust-items span{display:flex;gap:10px;align-items:center}.trust-items b{font-size:20px;color:var(--blue)}.section-head{display:flex;justify-content:space-between;align-items:end;gap:50px;margin-bottom:40px}.section-head h2{max-width:600px}.section-head>p{max-width:340px;font-size:.95rem}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.split>.site-photo img{width:100%;border-radius:16px}.blue-section{background:var(--pale)}.steps{margin-top:40px;display:grid;gap:24px}.step{display:grid;grid-template-columns:42px 1fr;gap:20px}.step>span{height:42px;border:1px solid #bed5e1;border-radius:50%;display:grid;place-items:center;color:var(--blue);font-size:.8rem}.step h3{font-size:1.15rem;margin:3px 0 8px}.step p{font-size:.92rem}.faq-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:100px}.faq-layout h2{margin-bottom:20px}.bottom-cta{background:var(--deep);color:white;border-radius:20px;display:flex;justify-content:space-between;align-items:center;gap:40px;padding:52px 60px;margin-block:20px 70px}.bottom-cta h2{font-size:2.65rem;max-width:650px}.bottom-cta p{color:#bdd2df;margin-top:15px}.footer{border-top:1px solid var(--line);padding-block:50px 28px;background:white}.footer-top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px}.footer h3{font-size:.85rem;letter-spacing:0;margin-bottom:18px}.footer a:not(.brand){display:block;font-size:.85rem;text-decoration:none;margin-bottom:9px;color:var(--muted)}.footer .brand{margin-bottom:20px}.footer p{font-size:.8rem}.footer-bottom{display:flex;justify-content:space-between;gap:25px;border-top:1px solid var(--line);margin-top:35px;padding-top:22px;font-size:.72rem;color:var(--muted)}.page-heading{padding-block:65px 45px;max-width:850px}.page-heading h1{font-size:clamp(2.4rem,4.5vw,3.8rem);margin:20px 0}.article{max-width:800px;margin:auto;padding-bottom:75px}.article h2,.article h3,.article h4{margin:36px 0 16px}.article h2{font-size:2rem}.article p,.article ul,.article ol{margin-bottom:18px}.article table{display:block;overflow-x:auto;border-collapse:collapse}.article td,.article th{padding:12px;border:1px solid var(--line)}.article a{color:var(--blue)}.application{max-width:800px;margin:0 auto 80px}.form-intro{background:white;border:1px solid var(--line);border-radius:18px;padding:40px}.form-intro h2{font-size:1.8rem;margin-bottom:14px}.form-intro p{margin-bottom:24px}.form-intro label{display:block;font-weight:600;margin:20px 0 8px}.form-intro select{width:100%;padding:14px;border:1px solid #9ab6c6;border-radius:8px;background:white;color:var(--ink)}.form-intro .btn{margin-top:24px;width:100%}#debt-application-form{min-height:0;margin-top:24px}.resource-list{display:grid;gap:20px;margin-bottom:60px}.resource-list a{display:block;background:white;padding:28px;border:1px solid var(--line);border-radius:12px;text-decoration:none}.resource-list h2{font-size:1.5rem;margin-bottom:10px}}
@layer components{.eyebrow{font-size:.72rem;text-transform:uppercase;letter-spacing:2px;font-weight:700;color:var(--blue);margin-bottom:16px}.pill{display:inline-flex;gap:9px;align-items:center;font-size:.75rem;padding:5px 12px;background:#e7f2f7;border:1px solid #cde3ed;border-radius:30px;color:#17608c}.btn{display:inline-flex;justify-content:center;align-items:center;gap:20px;background:var(--blue);border:1px solid var(--blue);color:white;text-decoration:none;font-size:.9rem;font-weight:600;padding:15px 24px;border-radius:7px;line-height:1.5;transition:background .15s,transform .15s;white-space:nowrap}.btn:hover{background:#005e9c;transform:translateY(-1px)}.btn.light{background:white;color:var(--deep);border-color:white}.btn.small{padding:11px 18px;font-size:.8rem}.actions{display:flex;align-items:center;gap:24px;flex-wrap:wrap}.text-link{font-size:.9rem;font-weight:600;text-decoration:none}.micro{font-size:.75rem;margin-top:16px}.check{color:var(--blue);margin-right:5px}.round-icon{display:grid;place-items:center;flex-shrink:0;width:46px;height:46px;background:#edf6ef;color:#316f51;border-radius:50%;font-size:23px}.card{background:white;border:1px solid var(--line);border-radius:12px;padding:30px;display:flex;flex-direction:column;align-items:start;transition:border-color .2s}.card:hover{border-color:#86b9d4}.card .icon{color:var(--blue);font-size:24px;background:var(--pale);width:48px;height:48px;border-radius:12px;display:grid;place-items:center;margin-bottom:34px}.card h3{margin-bottom:16px}.card p{font-size:.9rem;flex:1}.card a{color:var(--blue);text-decoration:none;margin-top:26px;font-size:.85rem;font-weight:600}.fine-print{font-size:.76rem;margin-top:24px;max-width:900px}.checks{padding:0;list-style:none;margin:28px 0}.checks li{padding:12px 0;border-bottom:1px solid var(--line);font-size:.95rem}details{border-bottom:1px solid #cfdde5;padding:21px 0}summary{cursor:pointer;font-size:1rem;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:20px}details p{padding-top:16px;font-size:.92rem}.skip{position:fixed;top:-100px;left:20px;background:white;padding:12px;z-index:100}.skip:focus{top:10px}.menu-toggle{display:none}.mobile-cta{display:none}.status{margin-top:20px}.source-note{border-top:1px solid var(--line);padding-top:20px;font-size:.8rem}.portrait-note{font-size:.72rem;margin-top:8px}.not-found{text-align:center;padding-block:100px}.not-found h1{margin:20px 0}.not-found .btn{margin-top:30px}}
@layer responsive{@media(min-width:1600px){.hero{padding-block:90px}}@media(max-width:1050px){.navlinks{gap:16px}.nav{gap:16px}.nav .phone{display:none}.hero{gap:35px}.hero-art .site-photo img{height:500px}.split{gap:40px}.faq-layout{gap:50px}.footer-top{grid-template-columns:1fr 1fr}.bottom-cta{padding:40px}.brand strong{font-size:17px}}@media(max-width:760px){.wrap{width:calc(100% - 40px)}.topbar .wrap{justify-content:center}.topbar .top-extra{display:none}.nav{height:74px}.brand strong{font-size:16px}.brand small{font-size:8px}.brand-mark{width:32px;height:36px;font-size:22px}.menu-toggle{display:block;background:none;border:1px solid var(--line);border-radius:6px;padding:7px 10px;color:var(--ink)}.nav>.btn{display:none}.navlinks{display:none;position:absolute;top:74px;left:0;right:0;background:white;padding:25px;border-bottom:1px solid var(--line);flex-direction:column;align-items:start}.navlinks.open{display:flex}.hero{grid-template-columns:1fr;gap:25px;padding-block:35px 45px}.hero h1{font-size:3.15rem}.hero .intro{font-size:1rem}.hero-copy{padding:0}.hero-art{max-width:520px;width:100%;margin:auto}.hero-art .site-photo img{height:360px;border-radius:100px 14px 14px 14px}.float-card{left:12px;padding:15px 18px}.trust-items{grid-template-columns:1fr 1fr;gap:18px;font-size:.75rem}.section{padding-block:60px}.section-head{display:block;margin-bottom:28px}.section-head>p{margin-top:20px;max-width:none}.grid3,.split,.faq-layout{grid-template-columns:1fr;gap:24px}.card{padding:25px}.card .icon{margin-bottom:20px}.split{gap:35px}.split>.site-photo img{max-height:360px;object-fit:cover}.bottom-cta{flex-direction:column;align-items:start;padding:30px;margin-bottom:50px}.bottom-cta h2{font-size:2.1rem}.footer-top{gap:30px 20px}.footer-top>div:first-child{grid-column:1/-1}.footer-bottom{flex-direction:column;gap:10px}.footer{padding-bottom:100px}.mobile-cta{display:flex;position:fixed;bottom:0;left:0;right:0;padding:12px 20px max(12px,env(safe-area-inset-bottom));background:white;border-top:1px solid var(--line);z-index:15;gap:16px;align-items:center}.mobile-cta .btn{flex:1;padding:11px;font-size:.85rem}.mobile-cta>a:first-child{font-size:.8rem;text-decoration:none}.form-intro{padding:25px}.page-heading{padding-top:40px}.actions{gap:18px}.article{overflow-wrap:anywhere}.application~.mobile-cta{display:none}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}}

@layer components{.site-photo{display:block;min-width:0}.site-photo img{width:100%}}
/* Reference-led art direction: bold display type, square panels, generous white space. */
@layer redesign {
 :root{--paper:#fff;--ink:#142d3c;--muted:#4c5d67;--pale:#e5f2fc;--display:Impact,'Arial Narrow','Franklin Gothic Medium',sans-serif}
 body{line-height:1.5}h2{font-size:clamp(1.8rem,3.1vw,2.8rem);font-weight:500;letter-spacing:-.055em}h3{letter-spacing:-.035em}.topbar{display:none}.header{background:#fff;border:0}.nav{height:82px;gap:24px}.brand-mark{background:transparent;color:var(--blue);font-size:32px;width:24px}.brand small{display:none}.brand strong{font-size:18px}.navlinks{gap:25px}.navlinks>a{font-weight:600;font-size:.78rem}.phone{font-size:.78rem}.btn{border-radius:3px;padding:13px 22px;font-size:.83rem;gap:14px}.btn.small{border-radius:3px}.card,.form-intro,.resource-list a{border-radius:2px}.page-heading h1{font-family:var(--display);text-transform:uppercase;font-weight:900;letter-spacing:-.025em;color:var(--deep)}.eyebrow{font-size:.78rem;letter-spacing:0;text-transform:none;font-weight:500;color:var(--ink);margin-bottom:15px}.wrap{width:min(1200px,calc(100% - 64px))}.site-photo img{border-radius:0}.section{padding-block:80px}.text-link{font-size:.86rem;text-decoration:underline;font-weight:500}.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap}
 .campaign-hero{display:grid;grid-template-columns:1fr 1fr;align-items:stretch;padding-block:0 38px}.campaign-copy{padding:55px 64px 35px 0;align-self:center}.campaign-copy h1{font-family:var(--display);font-size:clamp(3.7rem,6.9vw,6.3rem);font-weight:900;line-height:.98;letter-spacing:-.025em;color:var(--deep);margin:0 0 25px}.campaign-intro{max-width:410px;font-size:.97rem;line-height:1.55}.hero-points{padding-left:18px;font-size:.84rem;margin:18px 0 26px;line-height:1.7}.campaign-copy .micro{font-size:.7rem;max-width:400px}.hero-call{display:block;font-size:.73rem;margin-top:17px;color:var(--muted)}.campaign-image{position:relative;min-height:610px;overflow:hidden}.campaign-image .site-photo{position:absolute;inset:0;height:100%}.campaign-image img{height:100%;width:100%;object-fit:cover;object-position:62% center}.photo-stamp{position:absolute;top:25px;left:26px;font-family:var(--display);font-weight:900;font-size:2rem;color:var(--deep);line-height:1;letter-spacing:-.02em}
 .promise-ribbon{background:#b9ddf5;padding:16px 0}.promise-ribbon .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px}.promise-ribbon span{font-family:var(--display);text-transform:uppercase;font-size:clamp(.8rem,1.4vw,1.2rem);line-height:1.1;letter-spacing:.02em}.promise-ribbon i{color:var(--blue);font-size:25px;font-style:normal}.benefit-section{padding:40px 0 25px}.benefit-section h2{font-size:1.45rem;margin-bottom:15px;letter-spacing:-.045em}.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.benefit-tile{min-height:120px;padding:24px;display:flex;align-items:center;justify-content:space-between;text-decoration:none;gap:18px;color:var(--deep);overflow:hidden}.benefit-tile span{font-family:var(--display);text-transform:uppercase;font-weight:900;font-size:1.4rem;line-height:1.06;max-width:140px}.benefit-tile b{font-size:62px;line-height:1;transform:rotate(-12deg);font-weight:500}.tile-0{background:#f4b7a8}.tile-1{background:#d3e96d}.tile-2{background:var(--deep);color:white}.tile-3{background:#164b45;color:#e8f49f}.benefit-tile:hover{filter:brightness(.95)}
 .story-split{display:grid;grid-template-columns:1fr 1fr;align-items:stretch;padding-block:0}.story-copy{padding:70px 75px 70px 0;align-self:center}.story-copy h2{margin-bottom:26px;font-size:clamp(2rem,3.5vw,3.15rem)}.story-copy p:not(.eyebrow){margin-bottom:20px;font-size:.96rem;max-width:420px}.story-photo{min-height:520px;position:relative}.story-photo .site-photo{position:absolute;inset:0;height:100%}.story-photo img{height:100%;object-fit:cover;object-position:53% center}.question-band{background:repeating-linear-gradient(35deg,transparent 0 90px,#fff2 90px 150px),#fff0b4;text-align:center;padding:60px 0}.question-band h2,.display-title{font-family:var(--display);text-transform:uppercase;font-weight:900;letter-spacing:-.02em;line-height:1.1;color:var(--deep)}.question-band h2{font-size:clamp(1.8rem,3.3vw,3rem)}.question-band p{max-width:850px;margin:20px auto 0;font-size:.8rem}
 .comparison-section{padding-block:85px;display:grid;grid-template-columns:.8fr 1.2fr;gap:25px 65px;align-items:center}.comparison-intro h2{margin-bottom:23px}.comparison-intro p{font-size:.95rem;max-width:350px;margin-bottom:20px}.comparison-scroll{overflow-x:auto}.comparison-table{width:100%;border-collapse:separate;border-spacing:6px 0;table-layout:fixed;font-size:.78rem;line-height:1.45}.comparison-table th,.comparison-table td{padding:18px 12px;text-align:center;font-weight:400;vertical-align:middle;overflow-wrap:anywhere}.comparison-table thead th{font-weight:700;color:var(--deep);padding-top:0}.comparison-table tbody th{text-align:left;padding-left:0;font-size:.74rem;color:var(--muted)}.comparison-table tbody td{background:#eff3f4;border-bottom:1px solid white}.comparison-table tbody td:nth-child(2){background:var(--blue);color:white;border-color:#ffffff35}.comparison-section>.fine-print{grid-column:1/-1;font-size:.73rem;margin:0}
 .prepare-section{background:#e5f2fc;padding:65px 0}.prepare-section .display-title{font-size:2.2rem;margin-bottom:45px}.prepare-grid{display:grid;grid-template-columns:1fr 1fr;gap:100px}.big-word{font-family:var(--display);font-size:clamp(3rem,5.6vw,5.3rem);line-height:1;letter-spacing:-.02em;font-weight:900;color:var(--deep);display:block;margin-bottom:28px}.prepare-grid h3{font-size:1.13rem;margin-bottom:12px;font-weight:600}.prepare-grid p{font-size:.93rem;max-width:450px}.center-cta{text-align:center;margin-top:40px}.center-cta p{color:var(--blue);font-size:.86rem;margin-bottom:15px}
 .steps-section>h2{font-size:2rem;margin-bottom:35px}.journey-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.journey-card{background:#eef2f3;min-width:0}.journey-art{height:255px;position:relative;overflow:hidden;display:grid;place-items:center;background:#cce5f7}.art-1{background:#f1baa8}.art-2{background:#f4eddf}.journey-copy{padding:24px}.journey-copy h3{font-size:1.2rem;line-height:1.25;font-weight:500;margin-bottom:12px}.journey-copy p{font-size:.88rem}
 .support-section{background:#e5f2fc;padding-block:60px}.support-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:70px;align-items:center}.support-grid>h2{font-size:2.5rem;color:var(--deep)}.support-notes{display:grid;grid-template-columns:1fr 1fr;gap:20px}.support-notes article{background:white;padding:24px;position:relative}.support-notes h3{font-size:1rem;line-height:1.3;margin-bottom:12px;font-weight:600}.support-notes p{font-size:.8rem;padding-bottom:20px}.support-notes span{position:absolute;bottom:12px;right:20px;color:var(--blue);font-size:20px}.progress-section>h2{text-align:center;font-size:2rem;margin-bottom:30px}.progress-grid{display:grid;grid-template-columns:1fr 1.15fr 1fr;gap:24px}.progress-message{background:var(--blue);color:white;padding:28px;display:flex;flex-direction:column;min-height:360px}.progress-message>span{font-size:45px;line-height:1;color:#d3e96d;margin-bottom:30px}.progress-message h3{font-size:2.1rem;line-height:1.05;letter-spacing:-.04em}.progress-message a{font-size:.78rem;margin-top:auto;padding-top:25px}.progress-message.alternate{background:var(--deep)}.progress-photo{position:relative;min-height:320px}.progress-photo .site-photo{position:absolute;inset:0;height:100%}.progress-photo img{height:100%;object-fit:cover;object-position:27% center}
 .reference-faq{position:relative;min-height:490px;padding-block:20px 70px}.reference-faq>h2{font-size:2rem;margin-bottom:30px;max-width:44%}.faq-questions{width:45%}.faq-questions details{background:#edf2f4;border:0;margin-bottom:8px;padding:0}.faq-questions summary{padding:18px 20px;font-size:.82rem;font-weight:500;align-items:center;min-height:60px}.faq-questions details[open] summary{background:var(--blue);color:white}.faq-answer{position:absolute;left:50%;top:0;bottom:55px;width:50%;background:var(--blue);color:white;padding:42px;overflow-y:auto}.faq-answer p{color:white;font-size:.95rem;line-height:1.7;padding:0}.faq-answer .answer-label{font-size:.75rem;border-bottom:1px solid #ffffff50;padding-bottom:20px;margin-bottom:25px}.faq-answer h3{font-size:1.6rem;line-height:1.2;margin-bottom:22px}.faq-answer a{display:inline-block;margin-top:30px;font-size:.8rem}.final-banner{text-align:center;background:repeating-linear-gradient(140deg,transparent 0 100px,#fff4 100px 170px),#c9eee6;padding-block:65px}.final-banner h2{font-size:clamp(2rem,3.5vw,3.2rem);margin-bottom:25px}.final-banner .micro{font-size:.73rem;color:var(--deep)}
 .footer{background:#191d20;color:white;border:0;padding-block:65px 35px}.footer-top{grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}.footer p,.footer a:not(.brand),.footer .brand small,.footer-bottom{color:#c9d0d4}.footer h3{border-top:1px solid #596168;padding-top:20px;font-size:.8rem}.footer .brand strong{color:white}.footer .brand-mark{color:#73c3f6}.footer .brand strong span{color:#73c3f6!important}.footer-bottom{border-color:#596168;font-size:.7rem;padding-top:25px;margin-top:50px}.bottom-cta{border-radius:0}.form-intro{box-shadow:none}.reference-home .fine-print{line-height:1.6}
 @media(min-width:1500px){.campaign-copy h1{font-size:6.6rem}}
 @media(max-width:1050px){.nav{gap:18px}.navlinks{gap:18px}.campaign-copy{padding-right:35px}.campaign-image{min-height:560px}.benefit-tile{padding:18px}.benefit-tile span{font-size:1.2rem}.benefit-tile b{font-size:44px}.story-copy{padding-right:40px}.comparison-section{gap:30px;grid-template-columns:.65fr 1.35fr}.comparison-table th,.comparison-table td{padding:16px 8px}.prepare-grid{gap:50px}.support-grid{gap:35px}.progress-message{padding:22px}.progress-message h3{font-size:1.8rem}.faq-answer{padding:30px}.footer-top{grid-template-columns:1fr 1fr}}
 @media(max-width:760px){.wrap{width:calc(100% - 40px)}.nav{height:74px}.navlinks{top:74px}.brand strong{font-size:16px}.campaign-hero{grid-template-columns:1fr;padding-bottom:25px;gap:26px}.campaign-copy{padding:30px 0 0}.campaign-copy h1{font-size:clamp(3.6rem,12vw,5.5rem);line-height:.98}.campaign-intro{font-size:.95rem;max-width:530px}.campaign-image{height:430px;min-height:0}.campaign-image img{object-position:center 60%}.photo-stamp{font-size:1.7rem;top:20px;left:20px}.promise-ribbon{padding:18px 0}.promise-ribbon .wrap{display:grid;grid-template-columns:1fr 1fr;gap:15px 22px}.promise-ribbon i{display:none}.promise-ribbon span{font-size:.95rem}.benefit-section{padding-block:30px 25px}.benefit-section h2{font-size:1.35rem}.benefit-grid{grid-template-columns:1fr 1fr;gap:12px}.benefit-tile{min-height:110px;padding:16px;gap:8px}.benefit-tile span{font-size:1.2rem}.benefit-tile b{font-size:38px}.story-split{grid-template-columns:1fr}.story-copy{padding:25px 0 30px}.story-copy h2{font-size:2.3rem}.story-photo{min-height:0;height:350px}.story-photo img{object-position:center}.question-band{padding-block:40px}.question-band h2{font-size:2rem}.comparison-section{display:block;padding-block:50px}.comparison-intro p{max-width:100%}.comparison-intro h2 br{display:none}.comparison-scroll{margin:30px -8px 20px}.comparison-table{min-width:490px}.comparison-table th,.comparison-table td{padding:15px 9px}.comparison-section>.fine-print{margin-top:20px}.prepare-section{padding-block:45px}.prepare-section .display-title{font-size:2rem;margin-bottom:30px}.prepare-grid{grid-template-columns:1fr;gap:35px}.big-word{font-size:3.6rem;margin-bottom:18px}.prepare-grid p{max-width:none}.center-cta{margin-top:30px}.section{padding-block:50px}.steps-section>h2{font-size:1.8rem;max-width:320px}.journey-grid{grid-template-columns:1fr;gap:22px}.journey-art{height:230px}.journey-copy{padding:23px}.journey-copy h3{font-size:1.3rem}.support-section{padding-block:45px}.support-grid{grid-template-columns:1fr;gap:28px}.support-grid>h2{font-size:2.1rem}.support-notes{gap:12px}.support-notes article{padding:18px}.support-notes h3{font-size:.95rem}.support-notes p{font-size:.8rem}.progress-section>h2{font-size:1.8rem}.progress-grid{grid-template-columns:1fr 1fr;gap:12px}.progress-photo{grid-column:1/-1;grid-row:1;height:320px}.progress-photo img{object-position:center 35%}.progress-message{min-height:315px;padding:20px}.progress-message h3{font-size:clamp(1.5rem,4.8vw,2rem)}.progress-message>span{font-size:34px;margin-bottom:22px}.progress-message a{font-size:.72rem}.reference-faq{min-height:0;padding-block:10px 45px}.reference-faq>h2{max-width:100%;font-size:1.9rem;margin-bottom:25px}.faq-questions{width:100%}.faq-answer{position:static;width:100%;padding:25px;overflow:visible}.faq-answer h3{font-size:1.3rem}.faq-answer p{font-size:.9rem}.faq-answer .answer-label{display:none}.faq-answer a{margin-top:20px}.faq-questions summary{font-size:.85rem}.final-banner{padding-block:45px}.final-banner h2{font-size:2.1rem}.footer{padding-block:45px 100px}.footer-top{gap:30px}.footer-top>div:first-child{grid-column:1/-1}.footer-bottom{margin-top:30px}.mobile-cta .btn{border-radius:3px}}
 @media(prefers-reduced-motion:reduce){.benefit-tile:hover{filter:none}}
}
@layer polish{
 body{font-family:CDR Sans,Arial,sans-serif;color:#202c33}.header{box-shadow:0 1px 0 #162e3d10}.nav{position:relative;height:78px;gap:35px}.brand{margin-right:20px}.brand strong{font-weight:800;letter-spacing:-1px;font-size:21px}.brand strong>span{color:var(--blue)}.navlinks{flex:1;gap:26px}.navlinks>a,.nav-disclosure>summary{font-size:.78rem;font-weight:650;letter-spacing:-.015em}.navlinks>a{padding:16px 0;position:relative}.nav-actions{display:flex;gap:22px;align-items:center;margin-left:auto}.language-link{font-weight:650;font-size:.78rem;text-decoration:none}.nav-mobile-apply{display:none!important}.btn,.btn.small{font-weight:700;letter-spacing:-.015em;border-radius:4px;border:0;min-height:46px;padding:13px 25px;background:#0274be;box-shadow:0 2px 0 #004b7e;transition:background .16s,box-shadow .16s,transform .16s}.btn:hover,.btn.small:hover{background:#005c9a;box-shadow:0 4px 0 #003d68;transform:translateY(-2px)}.btn:active{transform:translateY(1px);box-shadow:none}.btn:disabled{cursor:wait;opacity:.65;transform:none;box-shadow:none}.btn[hidden]{display:none}.nav .btn{min-height:40px;font-size:.78rem;padding:10px 21px}.campaign-copy .btn{min-width:220px;min-height:50px}.campaign-copy .btn span{display:none}.text-link{font-weight:600;text-decoration-thickness:1px}.text-link:hover{color:var(--blue)}.campaign-copy h1{letter-spacing:-.025em}.campaign-copy{padding-top:40px;padding-bottom:40px}.campaign-intro{font-size:.92rem;line-height:1.65}.hero-points{font-size:.83rem;line-height:1.7;margin-block:17px 23px}.campaign-image{min-height:680px;background:#d8eadf}.campaign-image .raster-art{position:absolute;inset:0;display:block}.campaign-image .raster-art img{width:100%;height:100%;object-fit:cover;object-position:center}.raster-art{display:block}.raster-art img{display:block;width:100%;height:auto}.benefit-tile{position:relative;min-height:130px;padding:20px 110px 20px 22px;isolation:isolate}.benefit-tile span{font-size:1.3rem;max-width:130px;z-index:1}.benefit-tile .raster-art{position:absolute;right:0;top:0;width:115px;height:100%;z-index:-1}.benefit-tile img{height:100%;object-fit:cover}.tile-0{background:#f4b7a8}.tile-1{background:#d3e96d}.tile-2{background:#092f4b}.tile-3{background:#f4b7a8;color:var(--deep)}.benefit-tile:hover img{transform:scale(1.04)}.benefit-tile img{transition:transform .2s}.journey-art{height:300px;display:block}.journey-art .raster-art{height:100%}.journey-art img{height:100%;object-fit:cover}.journey-copy{padding:25px 22px 30px}.journey-copy h3{font-size:1.15rem;font-weight:600}.journey-copy p{font-size:.87rem;line-height:1.6}.story-copy h2{font-size:2.65rem}.story-photo{min-height:560px}.support-notes article{border-radius:3px}.progress-message{border-radius:4px}.progress-photo img{border-radius:4px}.mobile-cta .btn{box-shadow:none}.footer .brand{margin-bottom:25px}
 .nav-disclosure{border:0;padding:0;position:static}.nav-disclosure>summary{padding:16px 0;gap:9px;align-items:center;min-height:46px}.nav-disclosure[open]>summary{color:var(--blue)}.nav-panel{position:absolute;top:100%;left:0;width:100%;display:grid;grid-template-columns:.85fr 1.5fr;background:white;border:1px solid #dce7eb;box-shadow:0 16px 30px #092f4b18;padding:30px;gap:40px;z-index:30}.nav-panel-intro{padding:25px;background:#e6f3fb;display:flex;flex-direction:column;align-items:start}.nav-panel-intro h2{font-size:2rem;line-height:1.05;margin-bottom:35px}.nav-panel-intro>a{font-size:.82rem;font-weight:650;text-decoration:none;margin-top:auto}.nav-panel-intro .eyebrow{font-size:.72rem;margin-bottom:15px}.nav-panel-links{display:grid;gap:8px}.nav-panel-links>a{display:flex;align-items:center;gap:16px;padding:12px;text-decoration:none;border-radius:4px}.nav-panel-links>a:hover{background:#f1f6f9}.nav-panel-links img{width:64px;height:64px;border-radius:4px;flex-shrink:0}.nav-panel-links strong{display:block;font-size:.95rem;font-weight:650;line-height:1.2;margin-bottom:6px}.nav-panel-links small{display:block;color:var(--muted);font-size:.75rem;line-height:1.4;max-width:340px}.nav-panel-links>a>span:last-child{margin-left:auto;color:var(--blue);font-size:20px}
 @media(max-width:1100px){.nav{gap:20px}.navlinks{gap:18px}.brand{margin-right:0}.brand strong{font-size:18px}.navlinks>a,.nav-disclosure>summary{font-size:.73rem}.nav-actions{gap:15px}.campaign-image{min-height:600px}.benefit-tile{padding-left:17px;padding-right:90px}.benefit-tile .raster-art{width:95px}.benefit-tile span{font-size:1.2rem}.nav-panel{gap:20px}.journey-art{height:260px}}
 @media(max-width:900px){.navlinks{gap:12px}.nav .btn{padding-inline:15px}.nav{gap:15px}.navlinks>a,.nav-disclosure>summary{font-size:.7rem}.brand strong{font-size:16px}}
 @media(max-width:760px){.nav{height:74px;justify-content:space-between;gap:15px}.brand{margin-right:auto}.brand strong{font-size:18px}.nav-actions{margin-left:0;gap:0}.nav-actions>.btn{display:none}.nav-actions .language-link{padding:12px 0}.menu-toggle{display:flex;align-items:center;gap:10px;border:0;padding:12px 0;background:white;font-size:.78rem;order:3}.navlinks{display:none;position:absolute;top:74px;left:-20px;right:-20px;max-height:calc(100dvh - 74px);overflow-y:auto;padding:18px 25px 28px;gap:0;align-items:stretch;box-shadow:0 18px 28px #092f4b15}.navlinks.open{display:flex}.navlinks>a{font-size:1rem;padding:19px 0;border-bottom:1px solid #e1e8ed}.nav-disclosure>summary{font-size:1rem;padding:19px 0;border-bottom:1px solid #e1e8ed}.nav-panel{position:static;width:100%;padding:5px 0 15px;display:block;border:0;box-shadow:none}.nav-panel-intro{display:none}.nav-panel-links{gap:0}.nav-panel-links>a{padding:14px 5px;gap:13px}.nav-panel-links img{width:48px;height:48px}.nav-panel-links strong{font-size:.9rem}.nav-panel-links small{font-size:.74rem}.nav-panel-links>a>span:last-child{display:none}.nav-mobile-apply{display:block!important;background:var(--blue);color:white!important;text-align:center;border-radius:4px;margin-top:20px}.campaign-copy{padding:25px 0 0}.campaign-copy h1{font-size:clamp(3.6rem,12vw,5.2rem)}.campaign-copy .btn{min-height:50px;max-width:100%;min-width:230px}.campaign-image{height:auto;aspect-ratio:4/5;min-height:0}.campaign-image .raster-art img{object-fit:cover;object-position:center}.benefit-tile{min-height:120px;padding:16px 70px 16px 15px}.benefit-tile .raster-art{width:80px}.benefit-tile span{font-size:1.1rem;max-width:95px}.story-copy h2{font-size:2.2rem}.story-photo{min-height:0;height:380px}.journey-art{height:auto;aspect-ratio:1.2}.journey-copy{padding:23px}.journey-copy h3{font-size:1.25rem}.journey-copy p{font-size:.9rem}.final-banner .btn{min-width:200px}.mobile-cta .btn{min-height:44px;font-size:.8rem;padding:11px 14px}.mobile-cta>a:first-child{font-size:.75rem}}
 @media(prefers-reduced-motion:reduce){.btn:hover,.btn:active,.benefit-tile:hover img{transform:none}}
}

@layer brand {
 :root{--display:'CDR Display','Arial Narrow',sans-serif}
 body{font-family:'CDR Sans',Arial,sans-serif}
 button,input,select,textarea,option{font-family:inherit}
 .campaign-copy h1,.page-heading h1,.question-band h2,.display-title,.prepare-section .display-title,.big-word,.benefit-tile span,.promise-ribbon span{font-family:var(--display);font-weight:400;font-synthesis:none;letter-spacing:0;line-height:1.12}
 .campaign-copy h1{font-size:clamp(3.5rem,6.2vw,5.7rem)}
 .brand{display:flex;flex-shrink:0;margin-right:8px;line-height:0}
 .brand-logo{display:block;width:260px;height:auto;border-radius:2px}
 .footer .brand-logo{width:300px;max-width:100%}
 .nav{gap:23px}.navlinks{gap:20px}.nav-actions{gap:18px}
 @media(max-width:1100px){.brand-logo{width:220px}.nav{gap:16px}.navlinks{gap:14px}}
 @media(max-width:900px) and (min-width:761px){.brand-logo{width:195px}.nav{gap:10px}.navlinks{gap:10px}.nav .btn{padding-inline:13px}.nav-actions{gap:10px}}
 @media(max-width:760px){.brand-logo{width:220px;max-width:calc(100vw - 140px)}.brand{margin-right:auto}.nav{gap:14px}.campaign-copy h1{font-size:clamp(3rem,11vw,4.6rem)}.big-word{font-size:clamp(2.8rem,10vw,3.6rem)}.benefit-tile span{font-size:1.05rem}.footer .brand-logo{width:285px}.navlinks{gap:0}}
}

@layer icon-policy {
 summary{list-style:none}
 summary::-webkit-details-marker{display:none}
 select{appearance:none;background-image:none}
 .nav-disclosure>summary{text-decoration:underline;text-underline-offset:5px;text-decoration-color:#9eb7c7}
 .faq-questions summary{text-decoration:underline;text-underline-offset:4px}
 .menu-toggle{border:1px solid #b9ccd8;border-radius:3px;padding:9px 12px}
 .progress-message>.raster-art{width:76px;height:76px;margin-bottom:25px;flex-shrink:0}
 .progress-message>.raster-art img{width:76px;height:76px;border-radius:4px}
 .support-notes p{padding-bottom:0}
 .nav-panel-links>a>span:last-child{margin-left:0;color:inherit;font-size:inherit}
 .promise-ribbon .wrap{gap:25px}
 @media(max-width:760px){.progress-message>.raster-art,.progress-message>.raster-art img{width:60px;height:60px}.nav{gap:10px}.brand-logo{max-width:calc(100vw - 145px)}}
}

.language-link{display:inline-flex;align-items:center;justify-content:center;min-width:44px;min-height:44px}.language-link img{display:block;width:30px;height:20px;object-fit:cover;border-radius:2px;box-shadow:0 0 0 1px #092f4b26}.language-link:focus-visible{outline:2px solid var(--blue);outline-offset:3px;border-radius:4px}
/* Final presentation layer: large-scale fintech landing-page rhythm (full-bleed splits, condensed
   display headlines, 4px flat panels, saturated colour tiles). CanadaDebtRelief blue stands in for
   the primary accent and navy for the deep headline colour; all copy and artwork are our own. */
@layer sections {
 :root{
  --ink:#1c1c1c;--muted:#4a4a4a;--deep:#092f4b;--blue:#0274be;--blue-dark:#015c99;
  --sky:#b9ddf5;--mist:#e8f3fc;--cloud:#eff2f5;--line:#dcdfe1;
  --peach:#f2a295;--lime:#d4e84b;--forest:#183428;--mint:#d7f5f1;--cream:#fdf0af;--sand:#f7eedc;
  --gutter:5%;--content:1296px;--radius:4px;
 }
 body{color:var(--ink);background:#fff;line-height:1.4;letter-spacing:.01em}
 main{background:#fff}.reference-home{background:#fff}.section-band{border:0}
 .reference-home p,.page-heading p,.article p{color:var(--ink)}
 .bottom-cta p{color:#c9dbe8}
 .wrap{width:min(var(--content),calc(100% - 2 * var(--gutter)))}
 h1,h2,h3{color:inherit}
 /* No widows: balance headings and short display copy, avoid orphaned last words in body text. */
 h1,h2,h3,h4,summary,.display-title,.option-name,.handy-num,.benefit-tile span,.promise-ribbon span,.eyebrow,.cell-label,.comparison-table th{text-wrap:balance}
 p,li,td,.text-link,.micro,.fine-print,figcaption,blockquote{text-wrap:pretty}
 .reference-home h2{font-weight:400;font-size:clamp(2.25rem,3.6vw,3.25rem);line-height:1;letter-spacing:-.035em}
 .reference-home h3{letter-spacing:-.02em}
 .eyebrow{font-size:1.125rem;font-weight:500;letter-spacing:.02em;color:var(--ink);text-transform:none;margin-bottom:24px}
 .text-link{font-size:1.125rem;font-weight:500;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:5px}
 .text-link:hover{color:var(--blue)}
 .fine-print,.micro{color:var(--ink)}

 /* Buttons: sticker style that matches the tiles. Display type, navy outline and offset shadow;
    lifts on hover, presses in on click. Primary apply buttons pulse gently to draw the eye. */
 .btn,.btn.small{position:relative;display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:var(--display);font-weight:400;text-transform:uppercase;letter-spacing:.03em;font-size:1.25rem;line-height:1;
  min-height:56px;padding:16px 30px;border:2px solid var(--deep);border-radius:6px;background:var(--blue);color:#fff;text-decoration:none;white-space:nowrap;
  box-shadow:4px 4px 0 var(--deep);transform:none;transition:transform .15s ease,box-shadow .15s ease,background-color .15s ease,color .15s ease}
 .btn:hover,.btn.small:hover{background:var(--blue-dark);color:#fff;border-color:var(--deep);transform:translate(-2px,-2px);box-shadow:6px 6px 0 var(--deep)}
 .btn:active,.btn.small:active{transform:translate(3px,3px);box-shadow:1px 1px 0 var(--deep)}
 .btn:focus-visible{outline:3px solid #db8b13;outline-offset:4px}
 .btn[hidden]{display:none}
 .btn-secondary,.btn-light{background:#fff;color:var(--deep)}
 .btn-secondary:hover,.btn-light:hover{background:var(--lime);color:var(--deep)}
 .btn[data-apply]:not(.btn-secondary):not(.small){animation:cdr-pulse 2.8s ease-out infinite}
 .btn[data-apply]:hover,.btn[data-apply]:active,.btn[data-apply]:focus-visible{animation:none}
 @keyframes cdr-pulse{0%{box-shadow:4px 4px 0 var(--deep),0 0 0 0 #0274be73}70%,100%{box-shadow:4px 4px 0 var(--deep),0 0 0 16px #0274be00}}
 .bottom-cta .btn{border-color:#fff;box-shadow:4px 4px 0 var(--lime)}
 .bottom-cta .btn:hover{box-shadow:6px 6px 0 var(--lime)}
 .cta-row,.talk-actions,.final-actions{display:flex;flex-wrap:wrap;align-items:center;gap:18px 20px}

 /* Header */
 .header{background:#fff;box-shadow:none;border-bottom:1px solid transparent}
 .nav{height:88px;gap:40px}.brand-logo{width:236px}
 .navlinks{gap:44px}
 .navlinks>a,.nav-disclosure>summary{font-size:1.125rem;font-weight:500;letter-spacing:-.01em;color:var(--ink)}
 .nav-disclosure>summary{text-decoration:none}
 .navlinks>a,.nav-disclosure>summary{white-space:nowrap}
 .nav-disclosure[open]>summary,.navlinks>a:hover,.nav-disclosure>summary:hover{color:var(--blue)}
 .language-link{font-size:1.125rem;font-weight:500}
 .nav-actions{gap:28px}
 .nav .btn{font-size:1.0625rem;min-height:48px;padding:12px 24px;box-shadow:3px 3px 0 var(--deep)}
 .nav .btn:hover{box-shadow:5px 5px 0 var(--deep)}
 .nav-panel{border:0;border-top:1px solid var(--line);box-shadow:0 24px 40px #1c1c1c14}
 .nav-panel-intro{background:var(--mist);border-radius:var(--radius)}

 /* Full-bleed split: copy sits on the content grid, media runs to the viewport edge. */
 .bleed{display:grid;grid-template-columns:minmax(var(--gutter),1fr) minmax(0,calc(var(--content) / 2)) minmax(0,calc(var(--content) / 2)) minmax(var(--gutter),1fr);width:100%}
 .bleed>:first-child{grid-column:2;align-self:center}
 .bleed>:last-child{grid-column:3/5;position:relative;min-height:100%}

 /* Hero */
 .hero-band{background:#fff}
 .campaign-hero{padding:0;gap:0;min-height:min(780px,calc(100svh - 88px))}
 .campaign-copy{padding:clamp(56px,8vw,120px) 9% clamp(56px,8vw,120px) 0}
 .campaign-copy h1{font-family:var(--display);font-weight:400;text-transform:uppercase;color:var(--deep);font-size:clamp(4rem,6.6vw,6rem);line-height:.9;letter-spacing:0;margin:0 0 32px;max-width:none}
 .campaign-intro{font-size:1.375rem;line-height:1.28;max-width:560px;color:var(--ink)}
 .hero-claim{font-family:var(--display);font-weight:400;text-transform:uppercase;font-size:clamp(1.625rem,2.4vw,2.25rem);line-height:1.08;color:var(--deep);margin:-8px 0 24px;max-width:580px}
 .hero-claim mark{white-space:nowrap;background:var(--lime);color:var(--deep);padding:0 .16em;border-radius:3px;-webkit-box-decoration-break:clone;box-decoration-break:clone}
 .campaign-copy .btn{min-width:0}
 .campaign-copy .micro{font-size:1rem;line-height:1.4;margin-top:14px;max-width:520px}
 .campaign-image{min-height:560px;background:var(--mint);overflow:hidden}
 .campaign-image .raster-art{position:absolute;inset:0}
 .campaign-image .raster-art img{width:100%;height:100%;object-fit:cover;object-position:center 40%}
 /* Hero copy: context pill, headline, one claim, one sentence, actions, one trust row. Generous rhythm. */
 .campaign-copy{padding:clamp(80px,9vw,140px) 5% clamp(80px,9vw,140px) 0}
 .campaign-copy h1{line-height:.95;margin-bottom:36px;font-size:clamp(2.5rem,6vw,5.6rem);white-space:nowrap}
 .hero-claim{font-size:clamp(1.625rem,2.3vw,2.125rem);line-height:1.3;margin:0 0 32px;max-width:680px}
 .hero-claim mark{white-space:nowrap;padding:.04em .2em 0;border-radius:4px}
 .campaign-intro{font-size:1.25rem;line-height:1.55;max-width:620px;margin-bottom:48px}
 .cta-row{gap:20px 24px}
 .hero-trust{list-style:none;margin:44px 0 0;padding:0;display:flex;flex-wrap:wrap;align-items:center;gap:14px 0}
 .hero-trust li{font-size:1rem;font-weight:500;line-height:1.2;padding:0 20px;border-left:1px solid var(--line)}
 .hero-trust .rating{flex-basis:100%;padding:0;border:0}
 .hero-trust .rating+li{padding-left:0;border-left:0}
 .hero-trust li:first-child{padding-left:0;border-left:0}
 .rating{display:flex;align-items:center;gap:12px}
 .rating img{width:124px;height:auto;flex-shrink:0}
 .rating strong{font-weight:700}

 /* Ribbon: oversized scrolling statement band. */
 .promise-ribbon{background:var(--sky);color:var(--deep);padding:30px 0;overflow:hidden;border:0}
 .marquee{display:flex;width:max-content;animation:cdr-marquee 60s linear infinite}
 .promise-ribbon:hover .marquee{animation-play-state:paused}
 .marquee-group{display:flex;flex-shrink:0;gap:96px;padding-right:96px}
 .promise-ribbon span{font-family:var(--display);font-weight:400;text-transform:uppercase;font-size:clamp(1.5rem,2.4vw,2.25rem);line-height:1;letter-spacing:.01em;color:var(--deep);white-space:nowrap}
 @keyframes cdr-marquee{to{transform:translateX(-50%)}}

 /* Colour tiles */
 .benefit-section{padding:72px 0 48px}
 .reference-home .benefit-section h2{font-size:clamp(1.5rem,2.5vw,2.25rem);line-height:.95;letter-spacing:-.02em;margin-bottom:20px;font-weight:400}
 .benefit-grid{grid-template-columns:repeat(4,1fr);gap:36px;margin-top:0}
 .benefit-tile{min-height:160px;border-radius:var(--radius);padding:16px 44% 16px 16px;box-shadow:none;border:0}
 .benefit-tile span{font-family:var(--display);font-size:clamp(1.5rem,2.2vw,2.25rem);line-height:1.05;max-width:none;letter-spacing:-.01em}
 .benefit-tile .raster-art{width:46%;padding:14px}
 .tile-0{background:var(--peach);color:var(--deep)}
 .tile-1{background:var(--lime);color:var(--blue-dark)}
 .tile-2{background:var(--deep);color:var(--cloud)}
 .tile-3{background:var(--forest);color:var(--lime)}
 .benefit-tile:hover{filter:none}.benefit-tile:hover img{transform:scale(1.05)}

 /* Story split */
 .story-band{background:#fff;padding:24px 0 0}
 .story-split{min-height:680px}
 .story-copy{padding:80px 9% 80px 0}
 .story-copy .eyebrow{margin-bottom:32px}
 .reference-home .story-copy h2{font-size:clamp(2.5rem,4vw,3.5rem);margin-bottom:28px}
 .story-copy p:not(.eyebrow){font-size:1.375rem;line-height:1.28;max-width:560px;margin-bottom:24px}
 .story-photo{min-height:520px}
 .story-photo .site-photo{position:absolute;inset:0;height:100%}
 .story-photo img{height:100%;object-fit:cover}

 /* Question band */
 .question-band{background:repeating-linear-gradient(-28deg,transparent 0 110px,#ffffff38 110px 190px),var(--cream);text-align:center;padding:96px 0;border:0}
 .reference-home .question-band h2{font-family:var(--display);font-weight:400;text-transform:uppercase;color:var(--deep);font-size:clamp(2.5rem,4.5vw,4rem);line-height:1;letter-spacing:0}
 .question-band p{font-size:1.125rem;line-height:1.4;max-width:1100px;margin:24px auto 0;color:var(--ink)}

 /* Comparison */
 .comparison-band{background:#fff}
 .comparison-section{grid-template-columns:minmax(0,.68fr) minmax(0,1.32fr);gap:40px 64px;padding-block:120px 48px;align-items:center}
 .comparison-intro .eyebrow{font-size:1.125rem;font-weight:500;margin-bottom:24px}
 .reference-home .comparison-intro h2{font-family:var(--display);font-weight:400;text-transform:uppercase;color:var(--deep);font-size:clamp(2.75rem,4.4vw,4.25rem);line-height:.92;letter-spacing:0;margin-bottom:28px}
 .comparison-intro p{font-size:1.375rem;line-height:1.28;max-width:520px;margin-bottom:28px}
 .comparison-wrap{min-width:0}
 .comparison-table{table-layout:fixed;border-collapse:separate;border-spacing:14px 0;width:calc(100% + 28px);min-width:0;margin:0 -14px;font-size:1.0625rem;line-height:1.35}
 .comparison-table thead td:first-child{width:21%}
 .comparison-table th,.comparison-table td{text-align:left;vertical-align:top;font-weight:400;overflow-wrap:break-word}
 .comparison-table .option-head{position:relative;overflow:hidden;padding:120px 20px 22px;border-radius:var(--radius) var(--radius) 0 0;vertical-align:bottom}
 .option-head .raster-art{position:absolute;top:14px;right:12px;width:96px;height:96px;transform:rotate(-8deg);transition:transform .25s ease}
 .option-head .raster-art img{width:100%;height:100%;object-fit:contain}
 .option-head:hover .raster-art{transform:rotate(5deg) scale(1.08)}
 .option-name{display:block;font-family:var(--display);font-weight:400;text-transform:uppercase;font-size:clamp(1.25rem,1.8vw,1.75rem);line-height:1;letter-spacing:.005em;overflow-wrap:normal;word-break:normal;hyphens:manual}
 .comparison-table .option-0,.comparison-table tbody td:nth-child(2){background:var(--peach);color:var(--deep)}
 .comparison-table .option-1,.comparison-table tbody td:nth-child(3){background:var(--lime);color:var(--deep)}
 .comparison-table .option-2,.comparison-table tbody td:nth-child(4){background:var(--deep);color:#fff}
 .option-1 .option-name{color:var(--blue-dark)}
 .option-2 .option-name{color:var(--lime)}
 .comparison-table tbody th{font-family:var(--display);font-weight:400;text-transform:uppercase;font-size:1.375rem;line-height:1.05;letter-spacing:.01em;color:var(--blue);padding:22px 0;border-top:1px solid var(--line)}
 .comparison-table tbody td{padding:22px 20px;border-top:1px solid #092f4b26;border-radius:0;font-weight:500}
 .comparison-table tbody td:nth-child(4){border-top-color:#ffffff33}
 .comparison-table tbody tr:first-child td{border-radius:0}
 .comparison-table tbody tr:last-child td{border-radius:0 0 var(--radius) var(--radius);padding-bottom:30px}
 .cell-label{display:none}
 .comparison-section>.fine-print{font-size:.9375rem;color:var(--muted);margin:0}

 /* Shared section opener: eyebrow, display headline, one-line purpose. */
 .section-top{max-width:820px;margin-bottom:56px}
 .section-top .eyebrow{margin-bottom:20px}
 .reference-home .display-title{font-family:var(--display);font-weight:400;text-transform:uppercase;color:var(--deep);font-size:clamp(3rem,5.4vw,5rem);line-height:.92;letter-spacing:0}
 .section-top p:not(.eyebrow){font-size:1.375rem;line-height:1.3;margin-top:24px;max-width:640px}
 .section-cta{display:flex;flex-direction:column;align-items:center;text-align:center;margin-top:56px}
 .section-cta .micro{font-size:1rem;margin-top:16px}

 /* How it works */
 .steps-band{background:#fff}
 .steps-section{padding-block:72px 96px}
 .journey-grid{grid-template-columns:repeat(3,1fr);gap:24px}
 .journey-card{background:var(--cloud);border-radius:5px;overflow:hidden;border:0;display:flex;flex-direction:column}
 .journey-art{aspect-ratio:1.45;height:auto}
 .journey-art.art-0{background:var(--deep)}
 .journey-art.art-1{background:var(--peach)}
 .journey-art.art-2{background:var(--lime)}
 .journey-art .raster-art{padding:28px;transition:transform .25s ease}
 .journey-card:hover .raster-art{transform:rotate(-4deg) scale(1.05)}
 .journey-copy{padding:32px 30px 44px;min-height:0}
 .journey-num{display:block;font-family:var(--display);font-size:2.75rem;line-height:1;color:var(--blue);margin-bottom:18px}
 .reference-home .journey-copy h3{font-size:clamp(1.5rem,2.2vw,2rem);font-weight:400;line-height:1.05;letter-spacing:-.03em;margin-bottom:16px}
 .journey-copy p{font-size:1.1875rem;line-height:1.4;color:var(--ink)}

 /* Have these handy */
 .prepare-section{background:var(--mist);padding:112px 0;border:0}
 .handy-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
 .handy{border-radius:var(--radius);padding:28px 26px 32px;display:flex;flex-direction:column}
 .handy-num{font-family:var(--display);font-size:clamp(3.5rem,5vw,5rem);line-height:.9;margin-bottom:56px}
 .reference-home .handy h3{font-family:var(--display);font-weight:400;text-transform:uppercase;font-size:clamp(1.5rem,2vw,2rem);line-height:1;letter-spacing:.005em;margin-bottom:12px}
 .reference-home .handy p{font-size:1.0625rem;line-height:1.4;color:inherit}
 .handy-0{background:var(--peach);color:var(--deep)}
 .handy-1{background:var(--lime);color:var(--deep)}.handy-1 .handy-num{color:var(--blue-dark)}
 .handy-2{background:var(--cream);color:var(--deep)}
 .handy-3{background:var(--deep);color:#fff}.handy-3 .handy-num,.reference-home .handy-3 h3{color:var(--lime)}

 /* Prefer to talk: photo bleeds left, phone number is the headline. */
 .talk-band{background:#fff}
 .talk-split{display:grid;grid-template-columns:minmax(var(--gutter),1fr) minmax(0,calc(var(--content) / 2)) minmax(0,calc(var(--content) / 2)) minmax(var(--gutter),1fr)}
 .talk-photo{grid-column:1/3;grid-row:1;position:relative;min-height:680px;overflow:hidden}
 .talk-photo .site-photo{position:absolute;inset:0;height:100%}
 .talk-photo img{height:100%;object-fit:cover;object-position:center 40%}
 .talk-copy{grid-column:3;grid-row:1;align-self:center;padding:96px 0 96px 9%}
 .talk-copy .eyebrow{margin-bottom:20px}
 .reference-home .talk-copy .display-title{font-size:clamp(2.75rem,4.6vw,4.5rem);white-space:nowrap}
 .talk-copy .display-title a{text-decoration:none;color:inherit}
 .talk-copy .display-title a:hover{color:var(--blue)}
 .talk-hours{font-size:1.125rem;font-weight:500;margin-top:16px}
 .talk-hours span{white-space:nowrap}
 .talk-promises{list-style:none;padding:0;margin:40px 0;display:grid;grid-template-columns:1fr 1fr;gap:28px 32px}
 .talk-promises li{border-top:2px solid var(--deep);padding-top:16px}
 .reference-home .talk-promises h3{font-size:1.125rem;font-weight:600;line-height:1.25;letter-spacing:-.01em;margin-bottom:6px}
 .talk-promises p{font-size:1rem;line-height:1.4}
 .talk-actions{display:flex;align-items:center;flex-wrap:wrap;gap:16px 32px}
 .talk-copy .micro{font-size:.9375rem;margin-top:20px}

 /* FAQ: question list on the content grid, answer panel bleeds to the right edge. */
 .faq-band{position:relative;background:#fff;padding:0}
 .reference-faq{position:static;min-height:620px;padding:96px 0}
 .reference-home .reference-faq>h2{font-size:clamp(2.75rem,4.4vw,4.25rem);max-width:44%;margin-bottom:40px}
 .faq-questions{width:44%}
 .faq-questions details{background:var(--cloud);border:0;border-radius:var(--radius);margin-bottom:8px;padding:0}
 .faq-questions summary{padding:24px;min-height:76px;font-size:1.125rem;font-weight:400;line-height:1.3;text-decoration:none;border-radius:var(--radius);align-items:center}
 .faq-questions summary:hover{background:#e2e7ec}
 .faq-questions details[open] summary{background:var(--blue);color:#fff}
 .faq-answer{position:absolute;left:50%;right:0;top:0;bottom:0;width:auto;background:var(--blue);color:#fff;border-radius:0;padding:96px max(var(--gutter),calc((100% - var(--content)) / 2)) 64px 80px;overflow-y:auto}
 .faq-answer .answer-label{font-size:1.125rem;color:#fff;border-bottom:1px solid #ffffff;padding-bottom:28px;margin-bottom:40px}
 .reference-home .faq-answer h3{font-size:clamp(1.5rem,2.2vw,2rem);font-weight:500;line-height:1.15;color:#fff;margin-bottom:24px}
 .faq-answer p{font-size:1.25rem;line-height:1.4;color:#fff}
 .faq-answer a{font-size:1.125rem;margin-top:32px;color:#fff}

 /* Closing banner */
 .final-banner{background:var(--mint);padding:96px 0;border:0}
 .reference-home .final-banner h2{font-family:var(--display);font-weight:400;text-transform:uppercase;font-size:clamp(2.5rem,5vw,4.5rem);line-height:1;color:var(--forest);max-width:1100px;margin:0 auto 48px}
 .final-actions{display:flex;justify-content:center;align-items:center;flex-wrap:wrap;gap:16px 32px}
 .final-banner .micro{font-size:1rem;color:var(--forest);margin-top:20px}

 /* Footer */
 .footer{background:#1c1c1c;color:#fff;padding:96px 0 48px;border:0}
 .footer-top{grid-template-columns:1.3fr 1fr 1fr 1fr;gap:48px}
 .footer h3{border-top:1px solid #ffffff;padding-top:28px;font-size:1.125rem;font-weight:600;color:#fff;margin-bottom:16px}
 .footer p,.footer a:not(.brand),.footer-bottom{color:#fff}
 .footer a:not(.brand){font-size:1rem;margin-bottom:14px;letter-spacing:-.01em}
 .footer a:not(.brand):hover{text-decoration:underline}
 .footer p{font-size:1rem;line-height:1.4}
 .footer .footer-disclaimer{font-size:.8125rem;line-height:1.5;color:#c9cdd1;max-width:900px;margin-top:24px}
 .footer-bottom{border-color:#ffffff;margin-top:64px;padding-top:32px;font-size:.875rem;line-height:1.4}

 /* Inner pages share the same type and panel language. */
 .page-heading h1{font-size:clamp(3rem,6vw,5.5rem);line-height:.92;color:var(--deep)}
 .page-heading p{font-size:1.25rem;line-height:1.4}
 .article{background:#fff;padding:36px 0;margin-bottom:72px;font-size:1.125rem;line-height:1.55}
 .article p,.article li{color:var(--ink)}
 .card,.resource-list a{border:0;background:var(--cloud);border-radius:var(--radius)}
 .card:hover,.resource-list a:hover{background:#e4e9ee}
 .form-intro{background:var(--cloud);border:0;border-radius:var(--radius);box-shadow:none}
 .form-intro select{border-color:var(--line);border-radius:var(--radius);padding:16px}
 .bottom-cta{background:var(--deep);border-radius:0;margin-bottom:0}

 @media(max-width:1180px){
  .navlinks{gap:28px}.nav{gap:28px}.brand-logo{width:210px}
  .navlinks>a,.nav-disclosure>summary,.language-link{font-size:1rem}.nav .btn{font-size:1rem;padding-inline:18px}
  .benefit-grid{gap:20px}
 }
 @media(max-width:1050px){
  .nav{gap:18px}.navlinks{gap:18px}.brand-logo{width:190px}.nav-actions{gap:16px}
  .navlinks>a,.nav-disclosure>summary,.language-link{font-size:.9375rem}.nav .btn{font-size:.9375rem;padding-inline:16px;min-height:46px}
  .campaign-copy{padding-right:6%}
  .campaign-intro,.hero-points,.story-copy p:not(.eyebrow),.comparison-intro p,.prepare-grid p,.prepare-grid h3{font-size:1.1875rem}
  .benefit-grid{grid-template-columns:1fr 1fr}
  .comparison-section{grid-template-columns:1fr;gap:40px}
  .comparison-intro p{max-width:680px}
  .faq-answer{padding-left:48px}
  .handy-grid{grid-template-columns:1fr 1fr}
  .talk-copy{padding-left:6%}
  .talk-promises{grid-template-columns:1fr}
  .reference-home .talk-copy .display-title{white-space:normal}
  .footer-top{grid-template-columns:1fr 1fr}
 }
 @media(min-width:761px) and (max-width:900px){.navlinks>a,.nav-disclosure>summary{font-size:.8125rem}.navlinks{gap:12px}.nav{gap:12px}.brand-logo{width:170px}.language-link{font-size:.875rem}.nav .btn{font-size:.875rem;padding-inline:12px}}
 @media(max-width:760px){
  :root{--gutter:24px}
  .wrap{width:calc(100% - 48px)}
  .nav{height:64px;gap:10px}.brand-logo{width:200px;max-width:calc(100vw - 140px)}
  .navlinks{top:64px;left:-24px;right:-24px;max-height:calc(100dvh - 64px)}
  .navlinks>a,.nav-disclosure>summary{font-size:1.125rem}
  .language-link{font-size:1rem}
  .btn,.btn.small{font-size:1.125rem;min-height:52px;padding:14px 22px}
  .cta-row,.talk-actions,.final-actions{flex-direction:column;align-items:stretch}
  .cta-row .btn,.talk-actions .btn,.final-actions .btn,.story-copy .btn,.comparison-intro .btn{width:100%}
  .eyebrow,.campaign-copy .eyebrow,.story-copy .eyebrow{font-size:.875rem;margin-bottom:20px}
  .reference-home h2{font-size:2rem;line-height:1.05}
  .bleed{display:block}
  .bleed>:last-child{min-height:0}
  .campaign-hero{min-height:0}
  .campaign-copy h1{font-size:clamp(3.25rem,14vw,4.25rem);margin-bottom:24px}
  .campaign-copy .btn{width:100%}
  .campaign-copy{padding:40px 24px 48px}
  .campaign-copy h1{margin-bottom:20px;font-size:clamp(2.25rem,12.2vw,3.5rem)}
  .hero-claim{font-size:1.5rem;line-height:1.3;margin-bottom:24px}
  .campaign-intro{font-size:1.0625rem;line-height:1.5;margin-bottom:32px}
  .hero-trust{margin-top:28px;gap:10px 0}
  .hero-trust li{font-size:.875rem;padding:0 12px}
  .hero-trust .rating{flex-basis:100%;padding:0;border:0;margin-bottom:4px}
  .hero-trust .rating+li{padding-left:0;border-left:0}
  .nav-actions>.btn{display:none}
  .campaign-image{display:block;aspect-ratio:4/5;height:auto;min-height:0}
  .promise-ribbon{padding:18px 0}
  .promise-ribbon span{font-size:1.25rem}
  .marquee-group{gap:48px;padding-right:48px}
  .benefit-section{padding:48px 0 32px}
  .reference-home .benefit-section h2{font-size:1.5rem;line-height:1.1;margin-bottom:16px}
  .benefit-grid{gap:12px}
  .benefit-tile{min-height:132px;padding:12px;flex-direction:column;align-items:center;justify-content:space-between;text-align:center}
  .benefit-tile span{font-size:1.375rem;order:0}
  .benefit-tile .raster-art{position:relative;width:64%;height:72px;padding:0;order:1}
  .story-band{padding:0}
  .story-split{min-height:0}
  .story-copy{padding:48px 24px 40px}
  .reference-home .story-copy h2{font-size:2.25rem}
  .story-copy p:not(.eyebrow){font-size:1rem;line-height:1.4}
  .story-photo{height:auto;aspect-ratio:1;min-height:0}
  .question-band{padding:56px 0}
  .reference-home .question-band h2{font-size:2.25rem}
  .question-band p{font-size:.875rem}
  .comparison-section{display:block;padding-block:64px 48px}
  .reference-home .comparison-intro h2{font-size:3rem}
  .comparison-intro .eyebrow{font-size:1rem}
  .comparison-intro p{font-size:1rem;line-height:1.4}
  .comparison-wrap{margin:40px 0 24px}
  .comparison-table{display:grid;width:auto;min-width:0;margin:0;border-spacing:0;font-size:1rem}
  .comparison-table thead,.comparison-table tbody,.comparison-table tr{display:contents}
  .comparison-table thead td:first-child,.comparison-table tbody th{display:none}
  .comparison-table tr>:nth-child(2){order:1}.comparison-table tr>:nth-child(3){order:2}.comparison-table tr>:nth-child(4){order:3}
  .comparison-table .option-head{margin-top:16px;padding:24px 112px 20px 20px;min-height:116px;display:flex;align-items:flex-end}
  .comparison-table .option-0{margin-top:0}
  .option-head .raster-art{top:50%;right:14px;width:84px;height:84px;transform:translateY(-50%) rotate(-8deg)}
  .option-head:hover .raster-art{transform:translateY(-50%) rotate(5deg) scale(1.06)}
  .option-name{font-size:1.875rem}
  .comparison-table tbody td{padding:14px 20px}
  .comparison-table tbody tr:last-child td{padding-bottom:22px}
  .cell-label{display:block;font-size:.8125rem;font-weight:500;letter-spacing:.02em;opacity:.78;margin-bottom:2px}
  .comparison-section>.fine-print{font-size:.8125rem}
  .section-top{margin-bottom:32px}
  .reference-home .display-title{font-size:clamp(2.5rem,11vw,3rem)}
  .section-top p:not(.eyebrow){font-size:1rem;line-height:1.4;margin-top:16px}
  .section-cta{margin-top:36px;align-items:stretch}
  .section-cta .micro{font-size:.875rem}
  .steps-section{padding-block:64px 56px}
  .journey-grid{grid-template-columns:1fr;gap:16px}
  .journey-copy{padding:24px 24px 30px}
  .journey-num{font-size:2.25rem;margin-bottom:12px}
  .reference-home .journey-copy h3{font-size:1.5rem;margin-bottom:10px}
  .journey-copy p{font-size:1rem}
  .prepare-section{padding:64px 0}
  .handy-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
  .handy{min-height:0;padding:18px 16px 20px}
  .handy-num{font-size:2.75rem;margin-bottom:20px}
  .reference-home .handy h3{font-size:1.3125rem;margin-bottom:8px}
  .reference-home .handy p{font-size:.875rem;line-height:1.35}
  .talk-split{display:block}
  .talk-photo{min-height:0;aspect-ratio:4/3}
  .talk-copy{padding:48px 24px 64px}
  .reference-home .talk-copy .display-title{font-size:clamp(2.25rem,10.5vw,2.75rem);white-space:nowrap}
  .talk-hours{font-size:.9375rem}
  .talk-promises{grid-template-columns:1fr;gap:20px;margin:32px 0}
  .talk-actions .btn{width:100%}
  .talk-actions{gap:16px}
  .final-actions .btn{width:100%}
  .reference-faq{min-height:0;padding:56px 0 0}
  .reference-home .reference-faq>h2{max-width:none;margin-bottom:28px}
  .faq-questions{width:100%}
  .faq-questions summary{font-size:1rem;padding:18px 20px;min-height:64px}
  .faq-answer{position:static;width:auto;margin:0 -24px 8px;padding:32px 24px;overflow:visible}
  .faq-answer .answer-label{display:none}
  .reference-home .faq-answer h3{font-size:1.375rem}
  .faq-answer p{font-size:1rem}
  .faq-answer a{font-size:1rem;margin-top:20px}
  .faq-band{padding-bottom:56px}
  .final-banner{padding:64px 0}
  .reference-home .final-banner h2{font-size:2.5rem;margin-bottom:32px}
  .final-banner .micro{font-size:.875rem}
  .footer{padding:56px 0 110px}
  .footer-top{grid-template-columns:1fr;gap:32px}
  .footer-bottom{margin-top:40px}
  .page-heading h1{font-size:clamp(2.75rem,12vw,3.75rem)}
  .page-heading p,.article{font-size:1rem}
  .mobile-cta .btn{min-height:46px;font-size:1rem;padding:10px 14px;box-shadow:3px 3px 0 var(--deep)}
 }
 /* Transparent artwork: the card owns the background, never the image. */
 .benefit-tile .raster-art{display:flex;align-items:center;justify-content:center;z-index:0}
 .benefit-tile .raster-art img{width:100%;height:100%;object-fit:contain;background:transparent;transition:transform .2s}
 .benefit-tile span{position:relative;z-index:1}
 .journey-art{display:block;position:relative;overflow:hidden}
 .journey-art .raster-art{position:absolute;inset:0;display:block;width:100%;height:100%}
 .journey-art .raster-art img{display:block;width:100%;height:100%;object-fit:contain;background:transparent}
 .nav-panel-links img{object-fit:contain;background:var(--cloud);padding:4px}
 @media(max-width:760px){.journey-art .raster-art{padding:20px}}
 @media(prefers-reduced-motion:reduce){
  .btn,.btn.small,.benefit-tile .raster-art img{transition:none;animation:none}
  .btn:hover,.btn:active{transform:none}
  .benefit-tile:hover img{transform:none}
  .option-head .raster-art,.journey-art .raster-art{transition:none}
  .journey-card:hover .raster-art{transform:none}
  .marquee{animation:none;width:auto;justify-content:center}
  .marquee-group{flex-wrap:wrap;justify-content:center;gap:12px 48px;padding:0 24px}
  .marquee-group[aria-hidden]{display:none}
  .promise-ribbon span{white-space:normal}
 }
 /* Section rhythm: every band gets its own ground so neighbours never blend. */
 .promise-ribbon{background:var(--deep)}
 .promise-ribbon span{color:var(--lime)}
 .story-band{background:var(--mist);padding:0}
 .story-split{min-height:640px}
 .comparison-section{padding-block:112px 96px}
 .steps-band{background:var(--deep);color:#fff}
 .steps-section{padding-block:112px}
 .on-dark .section-top .eyebrow,.on-dark .section-top p,.on-dark .section-cta .micro{color:#fff}
 .reference-home .on-dark .display-title{color:#fff}
 .on-dark .btn{border-color:#fff;box-shadow:4px 4px 0 var(--lime)}
 .on-dark .btn:hover{box-shadow:6px 6px 0 var(--lime)}
 .on-dark .btn:active{box-shadow:1px 1px 0 var(--lime)}
 .on-dark .btn[data-apply]{animation-name:cdr-pulse-dark}
 @keyframes cdr-pulse-dark{0%{box-shadow:4px 4px 0 var(--lime),0 0 0 0 #d4e84b80}70%,100%{box-shadow:4px 4px 0 var(--lime),0 0 0 16px #d4e84b00}}
 .journey-art.art-0{background:var(--sky)}
 .on-dark .journey-card{color:var(--ink)}
 .faq-answer .btn-light,.faq-answer .btn-light:hover{color:var(--deep)}
 .talk-band{background:var(--sand)}
 .faq-band{background:#fff}
 .reference-faq{padding-block:112px}

 /* Footer: navy ground, display headings in lime, sticker-style dividers, same type scale as the page. */
 .footer{background:var(--deep);color:#fff;padding:96px 0 40px;border-top:0}
 .footer-top{grid-template-columns:1.3fr 1fr 1fr 1fr;gap:48px}
 .footer h3{font-family:var(--display);font-weight:400;text-transform:uppercase;font-size:1.5rem;line-height:1;letter-spacing:.01em;color:var(--lime);border-top:2px solid #ffffff40;padding-top:24px;margin-bottom:20px}
 .footer a:not(.brand){font-size:1.0625rem;font-weight:500;color:#fff;margin-bottom:14px;text-decoration:none}
 .footer a:not(.brand):hover{color:var(--lime);text-decoration:underline;text-underline-offset:4px}
 .footer p{font-size:1.0625rem;line-height:1.45;color:#e3edf5}
 .footer .brand-logo{width:260px}
 .footer-bottom{border-top:2px solid #ffffff40;margin-top:72px;padding-top:28px;font-size:.9375rem;color:#e3edf5;gap:32px}
 .footer-bottom span{color:#e3edf5}
 .footer .footer-disclaimer{font-size:.8125rem;line-height:1.5;color:#b9cddc;margin-top:20px;max-width:960px}
 @media(max-width:760px){
  .story-split{min-height:0}
  .comparison-section{padding-block:64px 56px}
  .steps-section{padding-block:64px}
  .reference-faq{padding-block:56px 0}
  .footer{padding:56px 0 112px}
  .footer-top{grid-template-columns:1fr 1fr;gap:32px 24px}
  .footer-top>div:first-child{grid-column:1/-1}
  .footer h3{font-size:1.25rem;padding-top:18px;margin-bottom:14px}
  .footer a:not(.brand),.footer p{font-size:1rem}
  .footer-bottom{margin-top:40px;flex-direction:column;gap:12px}
 }
 /* Inner pages share the homepage language: coloured heading band, display type, tiles, sticker cards. */
 .page-heading{max-width:none;padding:96px 0 80px;margin-bottom:80px;background:var(--mist);box-shadow:0 0 0 100vmax var(--mist);clip-path:inset(0 -100vmax)}
 .page-heading h1{font-family:var(--display);font-weight:400;text-transform:uppercase;color:var(--deep);font-size:clamp(3.25rem,7vw,6.25rem);line-height:.92;letter-spacing:0;margin:0;max-width:1000px}
 .page-heading p{font-size:1.375rem;line-height:1.45;max-width:680px;margin-top:28px;color:var(--ink)}
 .grid3{gap:24px;padding-bottom:96px}
 .grid3>.card{border:0;border-radius:6px;padding:36px 32px 40px;min-height:260px;color:var(--deep)}
 .grid3>.card:nth-child(3n+1){background:var(--peach)}
 .grid3>.card:nth-child(3n+2){background:var(--lime)}
 .grid3>.card:nth-child(3n+3){background:var(--cream)}
 .grid3>.card h2,.card h3{font-family:var(--display);font-weight:400;text-transform:uppercase;letter-spacing:.01em;line-height:1;color:var(--deep)}
 .card p{font-size:1.125rem;line-height:1.5;color:var(--deep)}
 .card a[href^="tel"]{font-family:var(--display);font-size:clamp(1.5rem,7vw,2rem);white-space:nowrap;line-height:1;color:var(--deep);margin-top:28px;text-decoration:none}
 .card a[href^="tel"]:hover{text-decoration:underline}
 .resource-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(340px,1fr));gap:28px;padding-bottom:112px}
 .resource-list a{display:flex;flex-direction:column;gap:16px;padding:36px 34px 40px;background:var(--peach);color:var(--deep);border:2px solid var(--deep);border-radius:8px;box-shadow:6px 6px 0 var(--deep);transition:transform .15s ease,box-shadow .15s ease}
 .resource-list a:nth-child(2n){background:var(--lime)}
 .resource-list a:nth-child(3n){background:var(--cream)}
 .resource-list a:hover{background-color:inherit;transform:translate(-3px,-3px);box-shadow:9px 9px 0 var(--deep)}
 .resource-list a:nth-child(odd):hover{background:var(--peach)}.resource-list a:nth-child(2n):hover{background:var(--lime)}
 .resource-list h2{font-family:var(--display);font-weight:400;text-transform:uppercase;font-size:clamp(1.75rem,2.6vw,2.5rem);line-height:1;letter-spacing:.005em;color:var(--deep);margin:0}
 .resource-list p{font-size:1.0625rem;line-height:1.5;color:var(--deep)}
 .article{max-width:840px;padding:0 0 112px;font-size:1.1875rem;line-height:1.6}
 .article h2{font-family:var(--display);font-weight:400;text-transform:uppercase;color:var(--deep);font-size:clamp(2.25rem,4vw,3.25rem);line-height:1;letter-spacing:0;margin:0 0 24px}
 .article h3{font-size:1.5rem;font-weight:600;letter-spacing:-.02em;color:var(--deep);margin:40px 0 14px}
 .article>section{padding:48px 0;border-top:2px solid var(--deep)}
 .article>section:first-child{padding-top:0;border-top:0}
 .article .source-note{border-top:2px solid var(--deep);padding-top:28px;font-size:1rem}
 .article .btn{margin-top:32px}
 .split{gap:72px;padding-bottom:96px}
 .split h2{font-family:var(--display);font-weight:400;text-transform:uppercase;color:var(--deep);font-size:clamp(2.5rem,4.4vw,4rem);line-height:.95;letter-spacing:0}
 .split p{font-size:1.1875rem;line-height:1.55;color:var(--ink)}
 .split .site-photo img{border-radius:8px}
 .checks li{font-size:1.125rem;font-weight:500;border-bottom:2px solid var(--deep);padding:16px 0}
 .application{max-width:820px;padding-bottom:112px}
 .form-intro{background:#fff;border:2px solid var(--deep);border-radius:10px;box-shadow:8px 8px 0 var(--lime);padding:48px}
 .form-intro h2{font-family:var(--display);font-weight:400;text-transform:uppercase;color:var(--deep);font-size:clamp(2rem,3.4vw,2.75rem);line-height:1;letter-spacing:0;margin-bottom:16px}
 .form-intro p{font-size:1.0625rem;line-height:1.5;color:var(--ink)}
 .form-intro label{font-size:1.0625rem;font-weight:600}
 .form-intro select{min-height:58px;border:2px solid var(--deep);border-radius:6px;font-size:1.0625rem;padding:14px 16px;background:#fff}
 .form-intro .btn{width:100%;margin-top:28px}
 .application>.micro{font-size:1rem;margin-top:24px}
 .bottom-cta{background:var(--mint);color:var(--forest);border:2px solid var(--deep);border-radius:10px;box-shadow:8px 8px 0 var(--deep);padding:64px;margin-block:0 112px}
 .bottom-cta h2{font-family:var(--display);font-weight:400;text-transform:uppercase;color:var(--forest);font-size:clamp(2.5rem,4.6vw,4rem);line-height:.95;letter-spacing:0;max-width:720px}
 .bottom-cta p{color:var(--forest);font-size:1.125rem;margin-top:16px}
 .bottom-cta .btn{border-color:var(--deep);box-shadow:4px 4px 0 var(--deep)}
 .bottom-cta .btn:hover{box-shadow:6px 6px 0 var(--deep)}
 .not-found h1{font-family:var(--display);font-weight:400;text-transform:uppercase;color:var(--deep);font-size:clamp(3.5rem,9vw,7rem);line-height:.9}
 @media(max-width:760px){
  .page-heading{padding:48px 0 44px;margin-bottom:44px}
  .page-heading h1{font-size:clamp(2.75rem,12vw,3.5rem)}
  .page-heading p{font-size:1.0625rem;margin-top:18px}
  .grid3{padding-bottom:56px}.grid3>.card{min-height:0;padding:28px 24px}
  .resource-list{grid-template-columns:1fr;gap:20px;padding-bottom:64px}
  .resource-list a{padding:28px 22px 30px}
  .article{font-size:1.0625rem;padding-bottom:64px}
  .article>section{padding:36px 0}
  .split{gap:32px;padding-bottom:56px}
  .form-intro{padding:28px 22px;box-shadow:6px 6px 0 var(--lime)}
  .bottom-cta{padding:36px 24px;margin-bottom:64px;box-shadow:6px 6px 0 var(--deep)}
  .bottom-cta .btn{width:100%}
 }
 @media(prefers-reduced-motion:reduce){.resource-list a{transition:none}.resource-list a:hover{transform:none}}
 /* Application pages: one centred question, every amount goes straight to the form. */
 .apply-page{background:var(--mist);padding:32px 0 80px}
 .apply-head{text-align:center;max-width:980px;margin-inline:auto}
 .apply-rating{display:inline-flex;align-items:center;gap:8px;font-size:.875rem;color:var(--ink);margin:0 0 14px}
 .apply-rating img{width:94px;height:auto}
 .apply-head h1{font-family:var(--display);font-weight:400;text-transform:uppercase;color:var(--deep);font-size:clamp(2rem,3.2vw,3rem);line-height:1.05;letter-spacing:0;margin:0 auto;max-width:920px}
 .apply-sub{font-size:1rem;line-height:1.5;color:var(--ink);max-width:620px;margin:14px auto 0}
 .apply-trust{list-style:none;padding:0;margin:14px 0 0;display:flex;justify-content:center;flex-wrap:wrap;gap:8px 0}
 .apply-trust li{font-size:.875rem;font-weight:600;color:var(--deep);padding:0 20px;border-left:1px solid #b9cddc}
 .apply-trust li:first-child{border-left:0}
 .apply-page .application{max-width:960px;margin:28px auto 0;padding:0}
 .apply-card{padding:56px 64px 44px}
 .reference-home .apply-card h2,.apply-card h2{font-size:clamp(2rem,3.6vw,3rem);margin-bottom:10px}
 .apply-card .apply-card-sub{font-size:1.125rem;color:var(--muted);margin-bottom:32px}
 .amount-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
 .amount-grid[hidden]{display:none}
 .amount-option{min-height:66px;padding:12px 16px;border:2px solid var(--deep);border-radius:8px;background:#fff;color:var(--deep);font:600 1.125rem/1.2 'CDR Sans',Arial,sans-serif;cursor:pointer;box-shadow:3px 3px 0 var(--deep);transition:transform .15s ease,box-shadow .15s ease,background-color .15s ease}
 .amount-option:hover:not(:disabled){background:var(--lime);transform:translate(-2px,-2px);box-shadow:5px 5px 0 var(--deep)}
 .amount-option:active:not(:disabled){transform:translate(2px,2px);box-shadow:1px 1px 0 var(--deep)}
 .amount-option[aria-pressed="true"]{background:var(--blue);color:#fff}
 .amount-option:disabled{cursor:wait}
 .amount-option:disabled:not([aria-pressed="true"]){opacity:.55}
 .amount-skip{display:block;margin:24px auto 0;padding:8px;background:none;border:0;font:500 1rem/1.3 'CDR Sans',Arial,sans-serif;color:var(--ink);text-decoration:underline;text-underline-offset:4px;cursor:pointer}
 .amount-skip:hover{color:var(--blue)}
 .amount-skip[hidden]{display:none}
 .apply-card .fine-print{text-align:center;font-size:.875rem;color:var(--muted);margin:12px auto 0;max-width:620px}
 .apply-card .status{text-align:center;font-weight:600;margin-top:12px}
 .apply-phone{text-align:center}
 @media(max-width:760px){
  .apply-page{padding:24px 0 56px}
  .apply-head h1{font-size:clamp(1.75rem,7vw,2.25rem)}
  .apply-sub{font-size:.9375rem;margin-top:12px}
  .apply-trust li{font-size:.9375rem;padding:0 12px}
  .apply-page .application{margin-top:24px}
  .apply-card{padding:28px 20px 28px}
  .amount-grid{grid-template-columns:1fr;gap:10px}
  .amount-option{min-height:58px;font-size:1.0625rem}
 }
 @media(prefers-reduced-motion:reduce){.amount-option{transition:none}.amount-option:hover:not(:disabled){transform:none}}
 /* Desktop header: logo left, menu centred on the page, actions right. */
 @media(min-width:761px){
  .nav{display:grid;grid-template-columns:minmax(0,1fr) auto minmax(0,1fr);align-items:center}
  .nav .brand{justify-self:start;margin-right:0}
  .navlinks{justify-self:center;flex:none}
  .nav-actions{justify-self:end;margin-left:0}
 }
 /* Header separator in the sticker language: solid navy rule under the bar. */
 .header{border-bottom:2px solid var(--deep);box-shadow:none}
 @media(max-width:760px){
  .navlinks.open{border-bottom:2px solid var(--deep);box-shadow:0 14px 24px #092f4b1f}
  .navlinks>a.nav-mobile-apply{font-family:var(--display);text-transform:uppercase;letter-spacing:.03em;font-size:1.25rem;border:2px solid var(--deep);border-radius:6px;box-shadow:4px 4px 0 var(--deep);padding:16px 0;margin-top:24px}
 }
 /* Comparison: each option column is an outlined sticker card with an offset shadow. */
 .comparison-table thead .option-head{border:2px solid var(--deep);border-bottom:0;box-shadow:5px 0 0 var(--deep)}
 .comparison-table tbody td{border-left:2px solid var(--deep);border-right:2px solid var(--deep);box-shadow:5px 0 0 var(--deep)}
 .comparison-table tbody td:nth-child(n){border-top:1px solid #092f4b33}
 .comparison-table tbody td:nth-child(4){border-top-color:#ffffff40}
 .comparison-table tbody tr:last-child td{border-bottom:2px solid var(--deep);box-shadow:5px 5px 0 var(--deep)}
 .comparison-table tbody th{border-top:2px solid var(--deep)}
 .comparison-table tbody tr:last-child th{border-bottom:2px solid var(--deep)}
 .comparison-table{border-spacing:18px 0;width:calc(100% + 36px);margin:0 -18px}
 @media(max-width:760px){
  .comparison-table{width:auto;margin:0 5px 0 0;border-spacing:0}
  .comparison-table thead .option-head{margin-top:22px}
  .comparison-table thead .option-0{margin-top:0}
  .comparison-table tbody tr:last-child th{border-bottom:0}
 }
 .comparison-section>.fine-print{grid-column:1/-1;text-align:center;max-width:900px;margin:8px auto 0;justify-self:center}
 .comparison-table tbody tr:last-child td{box-shadow:5px 0 0 var(--deep),5px 5px 0 var(--deep)}
 /* Affiliate page: reuses homepage blocks; adds referral-type tiles and a photo hero. */
 .campaign-image .site-photo{position:absolute;inset:0;height:100%}
 .campaign-image .site-photo img{width:100%;height:100%;object-fit:cover;object-position:center}
 .affiliate-programs{background:#fff;padding:112px 0}
 .program-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
 .program-tile{position:relative;border:2px solid var(--deep);border-radius:8px;box-shadow:5px 5px 0 var(--deep);padding:28px 24px 32px;display:flex;flex-direction:column;min-height:340px;color:var(--deep)}
 .program-tile .raster-art{width:88px;height:88px;margin-bottom:auto;padding-bottom:24px;transform:rotate(-6deg);transition:transform .25s ease}
 .program-tile .raster-art img{width:88px;height:88px;object-fit:contain}
 .program-tile:hover .raster-art{transform:rotate(5deg) scale(1.08)}
 .reference-home .program-tile h3{font-family:var(--display);font-weight:400;text-transform:uppercase;font-size:clamp(1.5rem,2vw,1.875rem);line-height:1;letter-spacing:.005em;margin:0 0 12px}
 .reference-home .program-tile p{font-size:1.0625rem;line-height:1.45;color:inherit}
 .program-0{background:var(--peach)}
 .program-1{background:var(--lime)}.reference-home .program-1 h3{color:var(--blue-dark)}
 .program-2{background:var(--cream)}
 .program-3{background:var(--deep);color:#fff}.reference-home .program-3 h3{color:var(--lime)}
 .reference-home .talk-copy .talk-lead{font-size:1.1875rem;line-height:1.55;margin:24px 0 36px;max-width:560px}
 .affiliate-about .talk-copy .display-title{white-space:normal}
 @media(max-width:1050px){.program-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
 @media(max-width:760px){
  .affiliate-programs{padding:64px 0}
  .program-grid{grid-template-columns:1fr;gap:16px}
  .program-tile{min-height:0;padding:22px 20px 26px}
  .program-tile .raster-art,.program-tile .raster-art img{width:64px;height:64px}
  .program-tile .raster-art{padding-bottom:16px}
  .reference-home .talk-copy .talk-lead{font-size:1rem}
 }
 @media(prefers-reduced-motion:reduce){.program-tile .raster-art{transition:none}.program-tile:hover .raster-art{transform:rotate(-6deg)}}
 @media(max-width:479px){.handy-grid{grid-template-columns:1fr}.handy{flex-direction:row;flex-wrap:wrap;align-items:baseline;column-gap:14px}.handy-num{margin-bottom:8px}.handy h3{flex:1}.handy p{flex-basis:100%}}
 .bottom-cta>div{min-width:0}
 @media(max-width:760px){.bottom-cta h2{font-size:clamp(1.75rem,8.4vw,2.5rem)}}
}

/* Transparent wordmark retains contrast against the charcoal footer. */
.footer .brand-logo{filter:brightness(0) invert(1)}

/* Keep the original blue shield over the white footer wordmark treatment. */
.footer .brand{position:relative;display:inline-block}
.footer .brand-mark-overlay{position:absolute;inset:0;width:100%;height:100%;clip-path:inset(0 82% 0 0);pointer-events:none}
.apply-card .status:empty{display:none}
.apply-card #load-application[hidden]{display:none}

/* Affiliate titles must wrap inside their half of the split hero. */
.affiliate-page .campaign-copy{min-width:0}
.affiliate-page .campaign-copy h1{white-space:normal;overflow-wrap:anywhere;font-size:clamp(2.25rem,4.2vw,4rem);line-height:1.05;max-width:100%}
@media(max-width:760px){.affiliate-page .campaign-copy h1{font-size:clamp(2rem,9vw,3.5rem)}}

@media(max-width:760px){
 .apply-page .application{width:calc(100% - 12px);margin-top:12px}
 .apply-page .apply-card{padding:0;min-width:0}
}