:root{
  --green:#16b85c;
  --green-dark:#08773a;
  --green-deep:#003c32;
  --ink:#0b1a18;
  --muted:#61706c;
  --line:#e4e8e6;
  --soft:#f7faf8;
  --white:#fff;
  --footer:#00372f;
  --radius:10px;
  --shadow:0 8px 28px rgba(6,41,34,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;background:#fff;color:var(--ink);
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;
  font-size:14px;line-height:1.45;
}
a{color:inherit;text-decoration:none}
button,input,select{font:inherit}
img{max-width:100%;display:block}
.wrap{width:min(1160px,calc(100% - 44px));margin:auto}
.eyebrow{font-size:11px;font-weight:800;letter-spacing:.04em;text-transform:uppercase;color:#0b7b44;margin:0 0 6px}
h1,h2,h3,p{margin-top:0}
h1{font-size:54px;line-height:1.02;letter-spacing:-.04em;margin-bottom:18px}
h2{font-size:28px;line-height:1.08;letter-spacing:-.025em;margin-bottom:10px}
h3{font-size:18px;line-height:1.15}
.green{color:#20c764}
.muted{color:var(--muted)}
.btn{
  appearance:none;border:0;border-radius:6px;background:#0a8a40;color:#fff;
  padding:12px 20px;font-weight:800;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;gap:8px
}
.btn:hover{background:#08763a}
.btn-outline{background:#fff;color:#08773a;border:1px solid #8fbea6}
.topline{background:#0b603d;color:#fff;font-size:12px}
.topline .wrap{display:flex;align-items:center;justify-content:space-between;min-height:28px;gap:20px}
.topline span{white-space:nowrap}
.topline .dot{display:inline-grid;place-items:center;width:14px;height:14px;border-radius:50%;background:#16b85c;margin-right:6px;font-size:9px}
.site-header{background:#003c32;color:#fff;border-bottom:1px solid rgba(255,255,255,.08)}
.nav{height:72px;display:flex;align-items:center;gap:36px}
.brand{display:flex;align-items:center;gap:7px;font-size:23px;font-weight:800;letter-spacing:-.025em}
.brand img{width:24px;height:24px}
.nav-links{display:flex;gap:38px;margin-left:38px;font-weight:650}
.phone{margin-left:auto;display:flex;gap:10px;align-items:center;text-align:right;font-weight:800}
.phone small{display:block;font-size:10px;font-weight:500}
.hamb{display:none;margin-left:auto;background:none;border:0;color:#fff;font-size:26px;cursor:pointer}
.hero{background:linear-gradient(120deg,#003b32 0%,#002f29 52%,#00392f 100%);color:#fff;padding:30px 0 0}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:72px;align-items:center;padding-bottom:28px}
.pill{display:inline-flex;border:1px solid rgba(255,255,255,.12);background:rgba(6,116,71,.2);padding:5px 11px;border-radius:18px;font-size:12px;color:#b9e6cc;margin-bottom:14px}
.hero p.lead{font-size:17px;max-width:590px;color:#eef8f3;margin-bottom:18px}
.hero-points{display:flex;gap:28px;flex-wrap:wrap;margin:20px 0 24px}
.hero-point{font-weight:800;min-width:145px}
.hero-point small{display:block;font-size:10px;color:#d3e5dd;font-weight:500;margin-left:21px}
.check{display:inline-grid;place-items:center;width:15px;height:15px;border-radius:50%;background:#16b85c;color:#fff;font-size:9px;margin-right:6px}
.trustline{display:flex;align-items:center;gap:12px;font-weight:800}
.stars{letter-spacing:2px;color:#13be58;font-size:18px}
.form-card{background:#fff;color:#10211e;border-radius:11px;padding:23px 22px;box-shadow:0 16px 36px rgba(0,0,0,.12)}
.form-card h2{text-align:center;font-size:23px}
.form-card .sub{text-align:center;font-size:12px;color:#66716f;margin-bottom:24px}
.field{margin:15px 0}
.field label{font-size:11px;font-weight:800;display:block;margin-bottom:8px}
.amount-value{font-size:18px;font-weight:850;text-align:center;margin:-4px 0 0}
.range-row{display:flex;justify-content:space-between;font-size:9px;color:#596662}
input[type=range]{width:100%;accent-color:#098743}
select{width:100%;height:42px;border:1px solid #ccd4d0;border-radius:5px;background:#fff;padding:0 12px}
.form-card .btn{width:100%;font-size:16px;margin-top:4px}
.form-note{text-align:center;color:#68736f;font-size:10px;margin-top:9px}
.hero-stats{border-top:1px solid rgba(255,255,255,.08);display:grid;grid-template-columns:repeat(4,1fr)}
.hero-stat{padding:14px 20px;border-right:1px solid rgba(255,255,255,.06);display:flex;gap:11px;align-items:center}
.hero-stat:last-child{border-right:0}
.hero-stat b{display:block;font-size:13px}.hero-stat small{color:#cfe0d9}
.section{padding:22px 0;border-bottom:1px solid #edf0ee}
.about-grid{display:grid;grid-template-columns:.83fr 1.17fr;gap:48px;align-items:center}
.video{position:relative;border-radius:8px;overflow:hidden;box-shadow:var(--shadow)}
.video img{width:100%;height:240px;object-fit:cover}
.play{position:absolute;inset:0;display:grid;place-items:center}
.play:before{content:"▶";width:54px;height:54px;border-radius:50%;border:4px solid #fff;display:grid;place-items:center;padding-left:4px;color:#fff;background:rgba(0,63,50,.55);font-size:20px}
.duration{position:absolute;right:10px;bottom:8px;background:rgba(0,0,0,.6);color:#fff;padding:3px 7px;border-radius:3px;font-size:10px}
.feature-row{display:flex;gap:30px;margin-top:22px}
.feature{display:flex;align-items:center;gap:9px;font-size:11px}
.feature i,.tool-icon,.trust-icon{width:36px;height:36px;border-radius:50%;border:1px solid #99d3b6;display:grid;place-items:center;color:#0b8f48;font-style:normal;font-size:18px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:18px}
.step{display:grid;grid-template-columns:42px 1fr;gap:12px;align-items:start;position:relative}
.step .n{width:36px;height:36px;border-radius:50%;border:2px solid #15934d;color:#0a8043;display:grid;place-items:center;font-weight:800}
.step small{grid-column:2;color:#66716e;line-height:1.45}
.compare-grid{display:grid;grid-template-columns:240px 1fr;gap:45px;align-items:center}
.offer-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.offer{border:1px solid #d7e4dd;border-radius:8px;padding:20px;text-align:center;box-shadow:0 3px 10px rgba(0,0,0,.02)}
.offer strong{font-size:20px}.offer .apr{font-size:22px;font-weight:900;line-height:1.15;margin:9px 0}.offer .apr small{display:block;font-size:10px;font-weight:700;letter-spacing:.04em;margin-top:3px}
.offer ul{list-style:none;padding:0;text-align:left;font-size:11px;line-height:1.8;color:#41504c}.offer li:before{content:"✓";color:#0b9a4a;margin-right:7px;font-weight:800}
.offer .btn{padding:9px 26px;font-size:12px}
.disclaimer{text-align:center;color:#75807d;font-size:9px;margin-top:8px}
.state-grid{display:grid;grid-template-columns:245px 1fr;gap:50px;align-items:center}
.state-map{display:flex;justify-content:center;gap:30px;align-items:center}
.state-map img{width:390px;mix-blend-mode:multiply}
.legend{font-size:11px}.legend div{display:flex;align-items:center;gap:10px;margin:11px 0}.swatch{width:18px;height:18px;background:#0a8b43}.swatch:nth-child(1){background:#0a8b43}.legend div:nth-child(2) .swatch{background:#8fbf83}.legend div:nth-child(3) .swatch{background:#d3d7d5}
.trust-section{background:#003c32;color:#fff;padding:20px 0}
.trust-grid{display:grid;grid-template-columns:270px 1fr;gap:35px;align-items:stretch}
.rating-box{border:1px solid rgba(255,255,255,.16);border-radius:8px;padding:16px}
.rating-box strong{font-size:24px}.rating-box .stars{font-size:24px}
.review-viewport{overflow:hidden;position:relative}
.review-track{display:flex;gap:14px;transition:transform .35s ease}
.review{flex:0 0 calc((100% - 28px)/3);background:#fff;color:#17211f;border-radius:7px;padding:16px;min-height:140px}
.review .stars{font-size:14px}.review p{font-size:12px;line-height:1.5;margin:7px 0}.review b{display:block;font-size:11px}.review small{color:#68726f}
.review-nav{display:flex;gap:8px;justify-content:flex-end;margin-top:8px}
.circle-btn{width:34px;height:34px;border-radius:50%;border:1px solid rgba(255,255,255,.35);background:transparent;color:#fff;cursor:pointer}
.resources-grid{display:grid;grid-template-columns:240px 1fr;gap:45px;align-items:start}
.tool-row{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}
.tool{border:1px solid #e2e6e4;border-radius:7px;padding:18px;text-align:center;min-height:128px}
.tool .tool-icon{margin:0 auto 10px;border:0;border-radius:0;font-size:25px}
.tool b{display:block;font-size:13px}.tool small{font-size:10px;color:#66716e}
.offices-grid{display:grid;grid-template-columns:190px 1fr;gap:35px;align-items:start}
.office-panel{display:grid;grid-template-columns:1.6fr 1fr;gap:16px}
.office-map{border-radius:7px;overflow:hidden;border:1px solid #e0e5e2;min-height:180px}
.office-map img{width:100%;height:100%;object-fit:cover}
.location-list{display:grid;gap:7px}
.location{display:grid;grid-template-columns:92px 1fr;gap:12px;align-items:center;padding-bottom:7px;border-bottom:1px solid #e5e9e7}
.location:last-child{border-bottom:0}
.location img{width:92px;height:50px;object-fit:cover;border-radius:4px}
.location b{font-size:12px}.location small{display:block;color:#52615d;font-size:9px;line-height:1.35}
.authors-grid{display:grid;grid-template-columns:190px 1fr;gap:35px;align-items:start}
.author-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.author{border:1px solid #e0e5e2;border-radius:7px;padding:12px;display:grid;grid-template-columns:64px 1fr;gap:12px;align-items:center}
.author img{width:64px;height:72px;border-radius:5px;object-fit:cover}
.author b{font-size:13px}.author small{display:block;color:#586661;font-size:10px;margin-top:3px}
.standards-grid{display:grid;grid-template-columns:190px 1fr;gap:35px;margin-top:20px}
.standard-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.standard{border:1px solid #e0e5e2;border-radius:7px;padding:15px}
.standard b{font-size:12px;display:block;margin-bottom:6px}.standard p{font-size:10px;color:#5e6a66;margin:0}
.footer{background:#003c32;color:#fff;padding:20px 0 12px}
.footer-main{display:grid;grid-template-columns:1.3fr 3fr 1fr;gap:32px;align-items:start}
.footer-brand p{font-size:10px;color:#c9ddd5;max-width:200px;margin-top:7px}
.social{display:flex;gap:8px;margin-top:10px}.social span{width:25px;height:25px;border:1px solid rgba(255,255,255,.35);display:grid;place-items:center;border-radius:3px;font-size:10px}
.footer-menus{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.footer-menus h4{font-size:10px;text-transform:uppercase;margin:0 0 8px}.footer-menus a{display:block;font-size:10px;color:#edf5f1;margin:4px 0}
.footer-phone{font-weight:800;text-align:left}.footer-phone small{display:block;font-weight:500;font-size:10px}
.footer-logos{border-top:1px solid rgba(255,255,255,.12);margin-top:15px;padding-top:12px;display:flex;align-items:center;justify-content:center;gap:35px;flex-wrap:wrap;color:#e6efeb}
.govlogo{display:flex;align-items:center;gap:8px;font-size:11px;font-weight:700;opacity:.95}.govlogo strong{font-size:18px}
.copyright{text-align:center;font-size:9px;color:#c1d4cd;margin-top:10px}
.mobile-nav{display:none}

@media (max-width: 900px){
  .wrap{width:min(100% - 28px,720px)}
  .topline .wrap{overflow:auto;justify-content:flex-start;padding:7px 0}
  .topline span{font-size:10px}
  .nav{height:62px}.nav-links,.phone{display:none}.hamb{display:block}
  .mobile-nav{display:none;position:absolute;left:0;right:0;top:90px;background:#003c32;padding:14px 22px;z-index:10;border-top:1px solid rgba(255,255,255,.1)}
  .mobile-nav.open{display:block}.mobile-nav a{display:block;padding:10px 0;color:#fff;border-bottom:1px solid rgba(255,255,255,.08)}
  .hero-grid{grid-template-columns:1fr;gap:20px;padding-top:8px}
  h1{font-size:44px}
  .hero-points{display:grid;grid-template-columns:1fr 1fr;gap:14px}
  .form-card{padding:20px}
  .hero-stats{grid-template-columns:1fr 1fr}.hero-stat:nth-child(2){border-right:0}
  .about-grid,.compare-grid,.state-grid,.trust-grid,.resources-grid,.offices-grid,.authors-grid,.standards-grid{grid-template-columns:1fr}
  .video img{height:250px}
  .feature-row{flex-wrap:wrap}
  .steps{grid-template-columns:1fr 1fr}
  .offer-row,.author-row,.standard-cards{grid-template-columns:repeat(3,minmax(240px,1fr));overflow-x:auto;padding-bottom:8px;scroll-snap-type:x mandatory}
  .offer,.author,.standard{scroll-snap-align:start}
  .state-map{flex-direction:column;align-items:flex-start}.state-map img{width:min(100%,480px)}
  .review{flex-basis:calc((100% - 14px)/2)}
  .tool-row{grid-template-columns:1fr 1fr}
  .office-panel{grid-template-columns:1fr}
  .location-list{grid-template-columns:1fr}
  .footer-main{grid-template-columns:1fr 2fr}.footer-phone{grid-column:1/-1}.footer-menus{grid-template-columns:repeat(3,1fr)}
}
@media (max-width: 600px){
  body{font-size:13px}.wrap{width:calc(100% - 24px)}
  .brand{font-size:19px}.brand img{width:21px;height:21px}
  .hero{padding-top:18px}.hero-grid{gap:18px}
  h1{font-size:38px;line-height:1.03}.hero p.lead{font-size:14px}
  .hero-points{grid-template-columns:1fr;gap:10px;margin-bottom:18px}
  .trustline{font-size:12px;flex-wrap:wrap}.stars{font-size:16px}
  .form-card h2{font-size:20px}.hero-stats{grid-template-columns:1fr 1fr}.hero-stat{padding:11px 8px}.hero-stat b{font-size:11px}.hero-stat small{font-size:9px}
  .section{padding:18px 0}h2{font-size:25px}
  .about-grid{gap:20px}.video img{height:205px}
  .feature-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
  .steps{grid-template-columns:1fr;gap:15px}
  .compare-grid,.state-grid,.resources-grid,.offices-grid,.authors-grid,.standards-grid{gap:18px}
  .offer-row,.author-row,.standard-cards{grid-template-columns:85vw 85vw 85vw}
  .review{flex-basis:100%}
  .tool-row{grid-template-columns:1fr 1fr;gap:10px}.tool{min-height:115px;padding:13px}
  .office-map{min-height:195px}
  .location{grid-template-columns:84px 1fr}.location img{width:84px;height:48px}
  .author-row{grid-template-columns:82vw 82vw 82vw}.author{grid-template-columns:72px 1fr}
  .footer-main{grid-template-columns:1fr}.footer-menus{grid-template-columns:1fr 1fr 1fr;gap:14px}.footer-phone{grid-column:auto}
  .footer-logos{gap:18px}.govlogo strong{font-size:15px}.govlogo{font-size:9px}
}


/* responsive containment QA patch */
body{overflow-x:hidden}
.hero-grid>*,.about-grid>*,.compare-grid>*,.state-grid>*,.trust-grid>*,.resources-grid>*,.offices-grid>*,.authors-grid>*,.standards-grid>*{min-width:0}
.review-viewport{min-width:0;width:100%;max-width:100%}
.review-track{width:100%;min-width:0}
@media (max-width:900px){
  .offer-row,.author-row,.standard-cards{
    display:flex;
    overflow-x:auto;
    max-width:100%;
    overscroll-behavior-inline:contain;
    scrollbar-width:none;
  }
  .offer-row::-webkit-scrollbar,.author-row::-webkit-scrollbar,.standard-cards::-webkit-scrollbar{display:none}
  .offer-row>.offer,.author-row>.author,.standard-cards>.standard{flex:0 0 78vw}
}
@media (max-width:600px){
  .review{flex:0 0 100%;width:100%}
  .offer-row>.offer{flex-basis:84vw}
  .author-row>.author{flex-basis:84vw}
  .standard-cards>.standard{flex-basis:84vw}
}


/* =====================================================================
   APPROVED DESIGN — PRODUCTION ARTICLE / HUB EXTENSIONS
   The homepage uses the exact approved visual system above. These styles
   extend that same system to the 61 decision pages and their parent hubs.
   ===================================================================== */
body.approved-production{background:#fff;color:var(--ink)}
body.approved-production main{min-height:45vh}
.breadcrumbs{font-size:11px;color:#6b7773;margin-bottom:14px;display:flex;align-items:center;gap:7px;flex-wrap:wrap}
.breadcrumbs a{color:#497166}.breadcrumbs a:hover{color:#08773a}.sep{color:#9aa49f}
.page-hero{padding:34px 0 26px;background:linear-gradient(180deg,#f8fbf9 0,#fff 100%);border-bottom:1px solid #edf0ee}
.page-hero .wrap{max-width:1160px}
.page-hero .eyebrow{margin-bottom:9px}
.page-hero h1{font-size:clamp(36px,4.15vw,52px);line-height:1.03;max-width:930px;color:#0b1a18;margin-bottom:13px}
.page-dek{font-size:16px;line-height:1.55;color:#52615d;max-width:900px;margin:0}
.role-card{max-width:930px;margin-top:18px;padding:13px 15px;border:1px solid #cfe4d9;border-radius:7px;background:#f4fbf7;color:#31453f;font-size:12px;line-height:1.5}
.page-meta{display:flex;gap:8px;flex-wrap:wrap;margin-top:12px}.meta-pill{border:1px solid #dce6e1;background:#fff;color:#60706b;border-radius:18px;padding:5px 9px;font-size:10px;font-weight:650}
.content-shell{display:grid;grid-template-columns:minmax(0,1fr) 255px;gap:28px;padding:28px 0 54px;align-items:start}
.article-main{min-width:0}.article-main>p:first-child{font-size:15px;color:#50605b;max-width:900px;margin-bottom:18px}
.article-aside{position:sticky;top:18px;height:max-content;border:1px solid #dfe6e2;border-radius:8px;padding:15px;background:#fff;box-shadow:0 4px 18px rgba(6,41,34,.035)}
.article-aside h3{font-size:14px;margin:0 0 8px}.article-aside a,.aside-item{display:block;padding:7px 0;border-bottom:1px solid #edf0ee;color:#4f625b;font-size:10.5px;line-height:1.35}.article-aside a:last-child,.aside-item:last-child{border-bottom:0}
.decision-section,.calc-section{margin:0 0 16px}.section-card{border:1px solid #e0e6e3;border-radius:8px;padding:20px;background:#fff;box-shadow:0 3px 12px rgba(6,41,34,.025)}
.section-card h2{font-size:24px;margin-bottom:10px;color:#0b1a18}.section-card h3{font-size:16px;margin-top:18px;margin-bottom:7px}.section-card p{color:#40514b;margin-bottom:10px}.section-card p:last-child{margin-bottom:0}
.alt-section .section-card{background:#f7fbf8;border-color:#d9e9e0}.warning-section .section-card{background:#fff9eb;border-color:#eee0b9}.faq-section .section-card{background:#f9fbfa}
.micro-heading{font-size:12px;font-weight:850;color:#19543b;text-transform:uppercase;letter-spacing:.025em}.clean-list{padding-left:18px}.clean-list li{margin:6px 0;color:#40514b}
.table-wrap{overflow:auto;max-width:100%;border:1px solid #e0e6e3;border-radius:7px;margin:14px 0;background:#fff}.table-wrap table{border-collapse:collapse;width:100%;min-width:650px;font-size:11px;line-height:1.45}.table-wrap th{background:#f0f7f3;text-align:left;padding:10px;border-bottom:1px solid #dbe5df;color:#1c4535;font-size:10px;text-transform:none}.table-wrap td{padding:10px;border-bottom:1px solid #edf0ee;vertical-align:top;color:#43534e}.table-wrap tr:last-child td{border-bottom:0}.interactive-table td:nth-child(2){min-width:170px}
.tool-input,.calc-grid input{width:100%;border:1px solid #ccd5d0;background:#fff;border-radius:5px;padding:9px 10px;font:inherit;color:#182420}.tool-note{font-size:10px;color:#697671;background:#f8faf9;border-radius:5px;padding:8px 10px;margin:-5px 0 12px}.inline-cta{margin:13px 0}
.calc-card{background:linear-gradient(120deg,#003c32,#07513c);color:#fff;border:0;box-shadow:none}.calc-card h2,.calc-card p,.calc-card label{color:#fff}.calc-card .eyebrow,.calc-card .fineprint{color:#cbe6d8}.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:14px 0}.calc-grid label{font-size:10px;font-weight:750}.calc-grid input{margin-top:5px;color:#10211e}.calc-results{display:grid;grid-template-columns:repeat(3,1fr);gap:9px}.calc-results>div{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.13);padding:11px;border-radius:6px}.calc-results small,.calc-results strong{display:block}.calc-results small{font-size:9px;color:#cfe0d9}.calc-results strong{font-size:19px;margin-top:2px}.fineprint{font-size:9px;line-height:1.5;margin-top:10px}
.info-only{padding:11px 13px;border-radius:6px;background:#f1f5f3;color:#3f514a;font-size:11px;font-weight:650;border:1px solid #e1e6e3}
.sources-box,.related-box{border:1px solid #e0e6e3;border-radius:8px;padding:18px;margin-top:16px;background:#fff}.sources-box h2,.related-box h2{font-size:21px}.sources-box ul{columns:2;column-gap:24px;padding-left:17px}.sources-box li{break-inside:avoid;margin-bottom:6px;font-size:10px;color:#53615c}.sources-box a{color:#08773a;word-break:break-all}.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:9px}.related-card{border:1px solid #e0e6e3;border-radius:7px;padding:12px;text-decoration:none;color:#17221f;background:#fff;font-size:11px}.related-card:hover{border-color:#9bc8af;background:#f7fbf8}.related-card small{color:#65736e}
.hub-hero{padding:34px 0 24px;background:#f7faf8;border-bottom:1px solid #edf0ee}.hub-hero h1{font-size:clamp(36px,4vw,50px);margin-bottom:10px}.hub-hero .lead{font-size:15px;color:#5e6c67;max-width:760px}.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:13px;padding:24px 0 52px}.hub-card{display:block;text-decoration:none;color:#13201d;border:1px solid #e0e6e3;padding:16px;border-radius:8px;background:#fff;min-height:128px;box-shadow:0 2px 10px rgba(6,41,34,.02);transition:.15s ease}.hub-card:hover{border-color:#9bc8af;transform:translateY(-1px);box-shadow:0 7px 20px rgba(6,41,34,.05)}.hub-card h3{font-size:16px;margin:5px 0 10px}.hub-card small{color:#64716d;font-size:10px}
/* article accents from the approved homepage */
.section-card>.eyebrow:first-child{margin-bottom:6px}.section-card .btn{font-size:11px;padding:9px 15px}
/* footer stays compact just like the approved design */
.footer .btn{font-size:10px;padding:9px 14px}.footer-brand .brand{color:#fff}.footer-phone a.btn{color:#fff}
/* 404 / generic utility */
.utility-page{padding:70px 0}.utility-page .wrap{max-width:760px}.utility-card{border:1px solid #e0e6e3;border-radius:8px;padding:28px;background:#fff}
@media(max-width:900px){
  .content-shell{grid-template-columns:1fr}.article-aside{position:static;order:-1;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 14px}.article-aside h3{grid-column:1/-1}.hub-grid{grid-template-columns:repeat(2,1fr)}.sources-box ul{columns:1}
}
@media(max-width:600px){
  .page-hero{padding:24px 0 20px}.page-hero h1{font-size:35px}.page-dek{font-size:14px}.role-card{font-size:11px}.content-shell{padding:18px 0 38px;gap:15px}.article-aside{display:block}.section-card{padding:15px}.section-card h2{font-size:21px}.table-wrap table{min-width:560px}.calc-grid,.calc-results{grid-template-columns:1fr}.related-grid,.hub-grid{grid-template-columns:1fr}.hub-card{min-height:auto}.sources-box,.related-box{padding:15px}
}


/* =====================================================================
   PRODUCT-FIRST LOAN APPLICATION EXPERIENCE — 2026-08-23
   Approved JustRightLoans visual system retained; editorial/information framing
   removed from acquisition pages and replaced with product/application UI.
   ===================================================================== */
.header-product-cta{margin-left:auto;white-space:nowrap;padding:10px 16px;font-size:11px}
.mobile-cta{font-weight:800!important;color:#08773a!important}
.product-hero{padding:30px 0 26px;background:linear-gradient(115deg,#002f29 0%,#003b32 58%,#064a39 100%);color:#fff;border-bottom:0}
.product-hero .breadcrumbs{color:#bdd8cf;margin-bottom:16px}.product-hero .breadcrumbs a{color:#d4e9e1}.product-hero .sep{color:#7fa79a}
.product-hero-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(330px,.75fr);gap:34px;align-items:center}
.product-hero h1{font-size:clamp(36px,4.3vw,54px);line-height:1.03;margin:6px 0 12px;color:#fff;max-width:820px}
.product-hero .page-dek{font-size:15px;line-height:1.6;color:#d6e8e1;max-width:790px;margin:0 0 16px}
.product-hero .eyebrow{color:#52dd8b}.product-points{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin-top:17px}.product-point{font-size:10.5px;line-height:1.35;color:#e2f2ec;display:flex;gap:7px;align-items:flex-start}.product-point b{display:block;color:#fff;font-size:11px}.product-point .check{color:#45dc84;font-weight:900;font-size:14px}
.product-role{font-size:10px;line-height:1.45;color:#bbd2ca;margin-top:16px;max-width:820px}.product-role strong{color:#fff}
.product-apply-card{background:#fff;color:#14211e;border-radius:9px;padding:21px;box-shadow:0 18px 46px rgba(0,0,0,.24)}.product-apply-card h2{font-size:21px;margin:0 0 4px;color:#111f1b}.product-apply-card .sub{font-size:10.5px;color:#65716d;margin-bottom:14px}.product-apply-card label{display:block;font-size:10px;font-weight:800;color:#243530;margin:10px 0 5px}.product-apply-card input,.product-apply-card select{width:100%;border:1px solid #cfd9d4;border-radius:5px;background:#fff;padding:10px 11px;font:inherit;color:#18231f}.product-apply-card .btn{width:100%;margin-top:13px;text-align:center;display:block;border:0;cursor:pointer}.product-apply-card .fine{font-size:9px;line-height:1.4;color:#697671;text-align:center;margin-top:8px}.product-apply-card .amount-prefix{position:relative}.product-apply-card .amount-prefix span{position:absolute;left:11px;top:9px;font-weight:800;color:#273c35}.product-apply-card .amount-prefix input{padding-left:25px}
.product-info-card{background:#fff;color:#14211e;border-radius:9px;padding:21px;box-shadow:0 18px 46px rgba(0,0,0,.24)}.product-info-card h2{font-size:21px;margin:0 0 8px}.product-info-card p{font-size:11px;color:#5d6d67;line-height:1.55}.product-info-card .btn{display:block;text-align:center;margin-top:12px}
.product-meta{display:flex;gap:7px;flex-wrap:wrap;margin-top:13px}.product-meta span{font-size:9px;border:1px solid rgba(255,255,255,.19);border-radius:18px;padding:5px 8px;color:#d9e9e3;background:rgba(255,255,255,.04)}
.content-shell.product-shell{grid-template-columns:minmax(0,1fr) 270px;gap:26px;padding-top:28px}.product-aside{position:sticky;top:92px;height:max-content}.aside-apply{border:1px solid #d9e5df;border-radius:8px;padding:16px;background:#fff;box-shadow:0 5px 18px rgba(6,41,34,.04)}.aside-apply h3{font-size:17px;margin:4px 0 7px}.aside-apply p{font-size:10.5px;color:#64716d;line-height:1.45}.aside-apply .btn{display:block;text-align:center;margin:11px 0 7px}.aside-checks{border-top:1px solid #edf0ee;margin-top:10px;padding-top:8px}.aside-checks div{font-size:9.5px;color:#4c5d57;padding:4px 0}.aside-checks b{color:#0b6537}
.product-final-cta{margin:18px 0;border-radius:8px;padding:20px;background:linear-gradient(115deg,#003a31,#07523b);color:#fff}.product-final-cta h2{color:#fff;font-size:23px;margin:0 0 7px}.product-final-cta p{color:#d8e9e2;margin:0 0 12px}.product-final-cta .btn{background:#fff;color:#075d35}.product-final-cta .fine{font-size:9px;color:#bfd5cd;margin-top:8px}
.related-box h2{margin-bottom:10px}.related-card small{color:#08773a;font-weight:700}
.product-hub-hero{padding:34px 0 25px;background:linear-gradient(115deg,#002f29,#064a39);color:#fff}.product-hub-hero h1{color:#fff;font-size:clamp(36px,4vw,50px);margin:6px 0 10px}.product-hub-hero .lead{color:#d6e8e1;max-width:800px}.product-hub-hero .breadcrumbs,.product-hub-hero .breadcrumbs a{color:#cfe4dc}.product-hub-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:15px}.product-hub-actions .btn.secondary{background:transparent;border:1px solid rgba(255,255,255,.35);color:#fff}.hub-card .eyebrow{color:#08773a}.hub-card small{color:#4d6a60;font-weight:650}
.product-state-card{border:1px solid #dfe9e4;border-radius:9px;padding:20px;background:#f7fbf8;min-height:210px;display:grid;grid-template-columns:repeat(2,1fr);gap:11px}.state-feature{border:1px solid #dfe9e4;background:#fff;border-radius:7px;padding:13px}.state-feature b{display:block;font-size:12px;margin-bottom:4px}.state-feature small{font-size:10px;color:#62706b;line-height:1.4}
.product-steps-panel{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;width:100%}.product-step-card{border:1px solid #dfe6e2;border-radius:8px;padding:15px;background:#fff}.product-step-card .n{width:30px;height:30px;border-radius:50%;display:grid;place-items:center;background:#e8f7ef;color:#08773a;font-weight:850;margin-bottom:8px}.product-step-card b{display:block;font-size:12px}.product-step-card small{display:block;color:#63716c;font-size:10px;line-height:1.45;margin-top:4px}
.product-standards{display:grid;grid-template-columns:repeat(3,1fr);gap:11px}.product-standard{border:1px solid #dfe6e2;border-radius:8px;padding:15px;background:#fff}.product-standard b{font-size:12px}.product-standard p{font-size:10px;color:#63716c;margin:5px 0 0}
body.product-first .article-main .decision-section:first-child .section-card{border-top:3px solid #0b7a45}
body.product-first .section-card h2{letter-spacing:-.015em}
body.product-first .sources-box{background:#fafcfb}
@media(max-width:980px){.header-product-cta{display:none}.product-hero-grid{grid-template-columns:1fr}.product-points{grid-template-columns:1fr 1fr 1fr}.content-shell.product-shell{grid-template-columns:1fr}.product-aside{position:static;order:-1}.product-steps-panel,.product-standards{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:640px){.product-hero{padding:22px 0 20px}.product-hero h1{font-size:35px}.product-points{grid-template-columns:1fr}.product-apply-card,.product-info-card{padding:16px}.product-state-card{grid-template-columns:1fr}.product-steps-panel,.product-standards{grid-template-columns:1fr}.product-final-cta{padding:16px}.content-shell.product-shell{padding-top:16px}.product-aside{display:none}}

/* Master 001–067 integrated production enhancements */
html,body{max-width:100%;overflow-x:hidden}.master-home-detail{background:#f7faf8;padding-top:34px}.master-home-detail .content-shell{padding-top:0}.editorial-card{border-left:4px solid #0b7a45;background:#fbfdfc}.editorial-line{font-size:10px!important;color:#66766f!important;border-top:1px solid #e7eeea;padding-top:9px;margin-top:12px!important}.master-note{font-size:10px!important;color:#65736e!important}.decision-callout{border-left:4px solid #0b7a45;background:#f3faf6;border-radius:6px;padding:12px 14px;margin:12px 0;font-weight:650;color:#244339}.master-list{margin:8px 0 12px 19px;color:#40514b}.master-list li{margin:6px 0}.master-table th{white-space:normal}.legacy-tools-stack{display:grid;gap:14px;margin-top:14px;min-width:0}.legacy-tool-module{min-width:0;border-top:1px solid #e7ece9;padding-top:14px}.legacy-tool-module:first-child{border-top:0;padding-top:0}.legacy-tool-module h3{font-size:17px;margin:0 0 6px}.legacy-tool-module p{font-size:11px}.legacy-tools .interactive-table{margin-top:8px;width:100%;max-width:100%;overflow-x:auto}.legacy-tools .table-wrap{max-width:100%;overflow-x:auto}.gated-banner,.gated-product-card{background:#fff9eb!important;border-color:#ead9a4!important}.source-detailed-list{columns:1!important}.source-detailed-list li{font-size:10px;line-height:1.45;margin-bottom:8px}.source-detailed-list span{color:#60706a}.faq-stack{display:grid;gap:8px}.faq-item{border:1px solid #e0e6e3;border-radius:7px;background:#fff;padding:0 12px}.faq-item summary{cursor:pointer;font-weight:750;padding:11px 0;color:#18251f}.faq-item p{padding:0 0 11px;margin:0!important}.status-chip{display:inline-block;border:1px solid #c8d8d1;border-radius:20px;padding:4px 8px;font-size:9px}
@media(max-width:640px){.master-home-detail{padding-top:20px}.legacy-tool-module h3{font-size:15px}}

/* amount-specific master tools */
.amount-tool-stack{display:grid;gap:14px;margin-top:16px}.amount-tool{border:1px solid #dfe8e3;border-radius:8px;padding:16px;background:#fff}.amount-tool h3{font-size:17px;margin:0 0 11px}.amount-tool-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.amount-tool label{display:grid;gap:5px;font-size:10px;font-weight:750;color:#33463f}.amount-tool input,.amount-tool select{width:100%;border:1px solid #cfd9d4;border-radius:5px;padding:9px 10px;background:#fff;color:#18231f;font:inherit}.amount-tool-run{margin-top:11px;border:0;cursor:pointer}.amount-tool-result{margin-top:10px;border-left:3px solid #0b7a45;background:#f5faf7;padding:10px 12px;border-radius:4px;font-size:11px;line-height:1.45;color:#32483f}.amount-tool-result[data-state="verify"]{border-left-color:#9b7a18;background:#fff9eb}.amount-tool-result[data-state="stop"]{border-left-color:#9a3d35;background:#fff6f4}.amount-check{display:flex!important;grid-template-columns:auto 1fr!important;align-items:flex-start;gap:8px!important;margin-top:10px}.amount-check input{width:auto!important;margin-top:2px}.feature-tool-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}.feature-tool-grid label{display:flex;align-items:flex-start;gap:7px;font-weight:650}.feature-tool-grid input{width:auto}.amount-tool-result strong{color:#152a21}@media(max-width:640px){.amount-tool{padding:13px}.amount-tool h3{font-size:15px}.amount-tool-grid,.feature-tool-grid{grid-template-columns:1fr}}