:root{
  --blue:#1D5DE0; --blue-dark:#1848b0; --blue-tint:#E8F0FE;
  --navy:#0B2A5B; --gray:#4A5568; --gray-light:#6B7A90;
  --card:#F4F8FD; --border:#DDE7F5; --white:#fff;
  --wrap:1160px;
  --r:10px; --r-lg:16px;
  --shadow:0 1px 3px rgba(11,42,91,.06),0 8px 24px rgba(11,42,91,.06);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'Plus Jakarta Sans',system-ui,-apple-system,sans-serif;color:var(--gray);background:var(--white);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
h1,h2,h3,h4{color:var(--navy);line-height:1.15;letter-spacing:-.022em;font-weight:800}
h2{font-size:clamp(1.75rem,3.4vw,2.5rem)}
h3{font-size:1.1875rem;font-weight:700;letter-spacing:-.012em;line-height:1.3}
p{max-width:68ch}
a{color:var(--blue);text-decoration:none}
img{max-width:100%;display:block}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;
  background:var(--blue);color:#fff;font-weight:700;font-size:1rem;
  padding:15px 30px;border-radius:var(--r);border:0;cursor:pointer;
  transition:background .18s ease,transform .18s ease;white-space:nowrap;font-family:inherit}
.btn:hover{background:var(--blue-dark);transform:translateY(-1px)}
.btn-sm{padding:11px 20px;font-size:.9375rem}
.btn-ghost{background:transparent;color:var(--blue);padding:15px 4px;font-weight:700}
.btn-ghost:hover{background:transparent;transform:none;text-decoration:underline;text-underline-offset:3px}
.btn-white{background:#fff;color:var(--blue)}
.btn-white:hover{background:#f0f5ff}

/* ---------- header ---------- */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);
  backdrop-filter:saturate(1.6) blur(10px);border-bottom:1px solid var(--border)}
.hrow{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:13px 0}
.logo{display:block;flex-shrink:0}
.logo img{width:118px;height:auto}
nav{display:flex;align-items:center;gap:22px}
nav a{color:var(--navy);font-weight:600;font-size:.875rem;white-space:nowrap;transition:color .15s}
nav a:hover{color:var(--blue)}
nav a[aria-current]{color:var(--blue)}
.menu-btn{display:none;background:none;border:0;cursor:pointer;padding:8px}
.menu-btn span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px;margin:4px 0}
.mobile-nav{display:none;border-top:1px solid var(--border);background:#fff}
.mobile-nav.open{display:block}
.mobile-nav a{display:block;padding:14px 24px;color:var(--navy);font-weight:600;
  border-bottom:1px solid var(--border);font-size:1rem}
.mobile-nav a:last-child{border-bottom:0}

/* ---------- not-a-lender disclosure ---------- */
.notlender{display:flex;align-items:flex-start;gap:10px;margin:0 0 30px;
  background:#FFF8E9;border:1px solid #F0DDB4;border-left:3px solid #E0A828;
  border-radius:var(--r);padding:13px 16px;max-width:47ch}
.notlender svg{flex-shrink:0;margin-top:2px;color:#B27A0B}
.notlender p{font-size:.875rem;line-height:1.55;color:#6B5220;font-weight:600;max-width:none}
.notlender-inline{text-align:center;font-size:.9375rem;font-weight:700;color:var(--navy);
  max-width:64ch;margin:0 auto;padding:22px 0 0}
.notlender-band{background:var(--card);border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);padding:22px 0}
.notlender-band p{margin:0 auto;text-align:center;font-size:.9375rem;font-weight:600;
  color:var(--navy);max-width:74ch}
.notlender-band strong{font-weight:800}

/* ---------- hero ---------- */
.hero{padding:72px 0 64px;background:linear-gradient(178deg,#F8FBFF 0%,#fff 72%)}
.hero-grid{display:grid;grid-template-columns:1.04fr .96fr;gap:60px;align-items:center}
.hero h1{font-size:clamp(2.1rem,4.5vw,3.35rem);margin-bottom:22px;max-width:16ch}
.hero .lede{font-size:1.1875rem;line-height:1.62;margin-bottom:24px;max-width:46ch}
.hero-cta{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.hero-img{border-radius:var(--r-lg);overflow:hidden;box-shadow:0 18px 48px rgba(11,42,91,.14)}
.hero-img img{width:100%;height:100%;object-fit:cover}
.hero-narrow{padding:66px 0 58px;text-align:center}
.hero-narrow h1{max-width:22ch;margin:0 auto 20px;font-size:clamp(2rem,4.1vw,3rem)}
.hero-narrow .lede{margin:0 auto 24px;max-width:56ch}
.hero-narrow .notlender{margin:0 auto 28px;text-align:left}
.hero-narrow .hero-cta{justify-content:center}

/* ---------- trust bar ---------- */
.trust{border-top:1px solid var(--border);border-bottom:1px solid var(--border);background:var(--card);padding:34px 0}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:26px}
.trust-item{display:flex;gap:13px;align-items:flex-start}
.tico{flex-shrink:0;width:40px;height:40px;border-radius:50%;background:var(--blue-tint);
  display:grid;place-items:center}
.trust-item p{font-size:.9375rem;font-weight:600;color:var(--navy);line-height:1.42;max-width:22ch}

/* ---------- sections ---------- */
section{padding:82px 0}
.sec-alt{background:var(--card);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.sec-head{text-align:center;max-width:680px;margin:0 auto 52px}
.sec-head p{margin:16px auto 0;font-size:1.0625rem}
.eyebrow{display:inline-block;font-size:.75rem;font-weight:800;letter-spacing:.13em;
  text-transform:uppercase;color:var(--blue);margin-bottom:14px}

.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.g2{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--r-lg);padding:32px 28px}
.sec-alt .card{background:#fff}
.card h3{margin-bottom:11px}
.card p{font-size:.9688rem;line-height:1.62;max-width:none}
.card p+p{margin-top:10px}
.num{width:38px;height:38px;border-radius:10px;background:var(--blue);color:#fff;
  display:grid;place-items:center;font-weight:800;font-size:1rem;margin-bottom:18px}
.cico{width:52px;height:52px;border-radius:50%;background:var(--blue-tint);
  display:grid;place-items:center;margin-bottom:18px}

/* ---------- prose ---------- */
.prose{max-width:760px;margin:0 auto}
.prose h2{font-size:clamp(1.5rem,2.6vw,1.9rem);margin:44px 0 14px}
.prose h2:first-child{margin-top:0}
.prose p{margin-bottom:16px;max-width:none;font-size:1.0625rem}
.prose ul{margin:0 0 20px 22px}
.prose li{margin-bottom:9px;font-size:1.0625rem}
.callout{background:var(--card);border:1px solid var(--border);border-left:4px solid var(--blue);
  border-radius:var(--r);padding:24px 26px;margin:26px 0}
.callout p:last-child{margin-bottom:0}
.callout h3{margin-bottom:9px}

/* ---------- exclusivity band ---------- */
.excl{background:var(--navy);color:#fff;padding:70px 0}
.excl-in{display:flex;gap:26px;align-items:flex-start;max-width:900px;margin:0 auto}
.excl-ico{flex-shrink:0;width:56px;height:56px;border-radius:14px;
  background:rgba(255,255,255,.11);display:grid;place-items:center}
.excl h2{color:#fff;font-size:clamp(1.5rem,2.7vw,2.05rem);margin-bottom:16px;letter-spacing:-.02em}
.excl p{color:#C3D5F2;font-size:1.0625rem;line-height:1.68;max-width:62ch}
.excl p+p{margin-top:14px}

/* ---------- CTA band ---------- */
.cta{background:var(--blue);color:#fff;padding:74px 0;text-align:center}
.cta h2{color:#fff;max-width:24ch;margin:0 auto 18px}
.cta .promise{color:#DCE8FF;font-size:1.125rem;line-height:1.6;max-width:56ch;margin:0 auto 30px}
.cta .micro{margin:20px auto 0;font-size:.875rem;color:#BFD4FA}
.cta .cta-disc{margin:26px auto 0;font-size:.8438rem;color:#C7D9FA;max-width:62ch;
  padding-top:20px;border-top:1px solid rgba(255,255,255,.2);line-height:1.6}

/* ---------- FAQ ---------- */
.faq{max-width:820px;margin:0 auto}
.q{border-bottom:1px solid var(--border)}
.q:first-child{border-top:1px solid var(--border)}
.q summary{list-style:none;cursor:pointer;
  display:flex;justify-content:space-between;align-items:center;gap:20px;
  padding:24px 4px;font-size:1.0625rem;font-weight:700;
  color:var(--navy);line-height:1.4}
.q summary::-webkit-details-marker{display:none}
.q summary::marker{content:''}
.q summary:hover{color:var(--blue)}
.q summary:focus-visible{outline:2px solid var(--blue);outline-offset:3px;border-radius:4px}
.chev{flex-shrink:0;transition:transform .22s ease;color:var(--blue)}
.q[open] .chev{transform:rotate(180deg)}
.q .a{padding:0 4px 26px;font-size:1rem;line-height:1.68;max-width:70ch}
.q .a p+p{margin-top:12px}

/* ---------- learning center ---------- */
.lc-card{background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);
  overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column;
  transition:transform .18s ease,box-shadow .18s ease}
.lc-card:hover{transform:translateY(-3px);box-shadow:0 12px 32px rgba(11,42,91,.11)}
.lc-top{height:6px;background:var(--blue)}
.lc-body{padding:28px;display:flex;flex-direction:column;flex:1}
.tag{display:inline-block;font-size:.6875rem;font-weight:800;letter-spacing:.1em;
  text-transform:uppercase;color:var(--blue);background:var(--blue-tint);
  padding:5px 11px;border-radius:20px;margin-bottom:15px;align-self:flex-start}
.lc-body h3{margin-bottom:10px}
.lc-body p{font-size:.9375rem;line-height:1.6;flex:1;max-width:none}
.lc-body .more{margin-top:18px;font-weight:700;font-size:.9375rem;color:var(--blue)}

/* ---------- tabs ---------- */
.tabs{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin:0 0 40px}
.tab{background:#fff;border:1px solid var(--border);border-radius:30px;
  padding:10px 20px;font-family:inherit;font-size:.9375rem;font-weight:700;
  color:var(--navy);cursor:pointer;transition:all .16s ease;white-space:nowrap}
.tab:hover{border-color:var(--blue);color:var(--blue)}
.tab[aria-selected="true"]{background:var(--blue);border-color:var(--blue);color:#fff}
.lc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.lc-card[hidden]{display:none}
.lc-empty{text-align:center;padding:40px 0;color:var(--gray-light)}

/* Anchor targets must clear the sticky header, otherwise a link like
   california-privacy.html#do-not-sell scrolls the heading underneath it. */
[id]{scroll-margin-top:104px}

/* ---------- footer ---------- */
footer{background:#071D3F;color:#93A9CB;padding:62px 0 34px;font-size:.9063rem;line-height:1.68}
.f-grid{display:grid;grid-template-columns:1.3fr .82fr .88fr 1.3fr;gap:40px;padding-bottom:42px;
  border-bottom:1px solid rgba(255,255,255,.11)}
footer .logo img{width:126px}
.f-blurb{margin-top:18px;max-width:42ch;color:#93A9CB;font-size:.9063rem}
footer h4{color:#fff;font-size:.75rem;letter-spacing:.13em;text-transform:uppercase;
  margin-bottom:17px;font-weight:800}
footer ul{list-style:none}
footer li{margin-bottom:11px}
footer a{color:#93A9CB}
footer a:hover{color:#fff;text-decoration:underline;text-underline-offset:2px}
.legal{padding-top:30px;font-size:.8125rem;color:#7690B5;line-height:1.72}
.legal p{max-width:none}
.legal p+p{margin-top:13px}
.legal strong{color:#B9CBE5;font-weight:700}

@media(max-width:1180px){
  nav{display:none}
  .menu-btn{display:block}
  /* Keep the header CTA visible on mobile. It used to be display:none here,
     which left phone users with only the hamburger (two taps) or the CTA at
     the very bottom of the page. */
  .hrow .btn{margin-left:auto;padding:10px 16px;font-size:.875rem}
}
@media(max-width:400px){
  .logo img{width:100px}
  .hrow{gap:10px}
  .hrow .btn{padding:9px 13px;font-size:.8125rem}
  .menu-btn{padding:8px 2px}
}
@media(max-width:1000px){
  .hero-grid{grid-template-columns:1fr;gap:42px}
  .hero h1{max-width:20ch}
  .trust-grid{grid-template-columns:repeat(2,1fr);gap:24px}
  .g3,.g2,.lc-grid{grid-template-columns:1fr;gap:20px}
  .f-grid{grid-template-columns:1fr 1fr;gap:34px 40px}
  section{padding:64px 0}
  .hero{padding:52px 0 48px}
}
@media(max-width:560px){
  body{font-size:16px}
  .f-grid{grid-template-columns:1fr;gap:30px}
  .trust-grid{grid-template-columns:1fr}
  .hero-cta{flex-direction:column;align-items:stretch}
  .hero-cta .btn{width:100%}
  .excl-in{flex-direction:column;gap:20px}
  .wrap{padding:0 18px}
}

/* ================= FUNNEL FORM ================= */
.fwrap{max-width:720px;margin:0 auto;padding:0 22px}
.fhead{text-align:center;padding:52px 0 30px}
.fhead h1{font-size:2rem;line-height:1.16;letter-spacing:-.024em;color:var(--navy);margin-bottom:12px}
.fhead p{color:var(--gray);max-width:52ch;margin:0 auto}
.prog{display:flex;align-items:center;gap:9px;margin:0 auto 26px;max-width:420px}
.pbar{flex:1;height:5px;border-radius:99px;background:#E3EBF7;overflow:hidden}
.pbar i{display:block;height:100%;width:25%;background:var(--blue);border-radius:99px;transition:width .32s cubic-bezier(.4,0,.2,1)}
.pstep{font-size:.8125rem;font-weight:700;color:var(--blue);white-space:nowrap;letter-spacing:.01em}
.fcard{background:#fff;border:1px solid var(--border);border-radius:16px;padding:34px 32px;box-shadow:0 2px 20px rgba(11,42,91,.055)}
fieldset.fstep{border:0;padding:0;margin:0;min-width:0}
.fstep[hidden]{display:none}
.fstep h2{font-size:1.3125rem;line-height:1.26;letter-spacing:-.016em;color:var(--navy);margin-bottom:6px}
.fstep .sub{color:var(--gray);font-size:.9375rem;margin-bottom:24px}
.fld{margin-bottom:22px}
.fld:last-of-type{margin-bottom:0}
.fld>label,.lgd{display:block;font-weight:700;font-size:.9375rem;color:var(--navy);margin-bottom:9px}
.hint{font-weight:500;color:var(--gray);font-size:.8125rem;margin-top:-4px;margin-bottom:9px}
input[type=text],input[type=email],input[type=tel],select,textarea{
  width:100%;font:inherit;font-size:1rem;color:var(--navy);background-color:#fff;
  border:1.5px solid var(--border);border-radius:10px;padding:13px 14px;transition:border-color .16s,box-shadow .16s;
  /* Removes the 300ms double-tap-to-zoom delay that can swallow the first tap
     on a control on touch devices. */
  touch-action:manipulation}
textarea{min-height:88px;resize:vertical;line-height:1.6}
/* -webkit-appearance must be set explicitly. Safari (including every browser on
   iOS) does not reliably honor the unprefixed `appearance` for form controls, and
   without it iOS layers its own control chrome over ours. */
select{-webkit-appearance:none;-moz-appearance:none;appearance:none;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='22' height='22' viewBox='0 0 24 24' fill='none' stroke='%234A5568' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'><path d='M6 9l6 6 6-6'/></svg>");
  background-repeat:no-repeat;background-position:right 12px center;padding-right:42px;cursor:pointer;
  /* iOS ignores height on a select unless a line-height is present, which can
     make the real tap target shorter than the painted box. */
  line-height:1.5;min-height:52px}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(29,93,224,.14)}
input[aria-invalid=true],select[aria-invalid=true]{border-color:#C6342B}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.prefix{position:relative}
.prefix span{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--gray);font-weight:600;pointer-events:none}
.prefix input{padding-left:30px}
.opts{display:grid;gap:11px}
.opt{display:flex;align-items:flex-start;gap:13px;border:1.5px solid var(--border);border-radius:12px;padding:16px 17px;cursor:pointer;transition:border-color .16s,background .16s}
.opt:hover{border-color:#B9CFF2;background:#FAFCFF}
.opt input{position:absolute;opacity:0;width:0;height:0}
.dot{flex:none;width:20px;height:20px;border-radius:50%;border:2px solid #C3D3EA;margin-top:1px;position:relative;transition:border-color .16s}
.opt input:checked~.dot{border-color:var(--blue)}
.opt input:checked~.dot::after{content:"";position:absolute;inset:3px;border-radius:50%;background:var(--blue)}
.opt input:focus-visible~.dot{box-shadow:0 0 0 3px rgba(29,93,224,.2)}
.opt:has(input:checked){border-color:var(--blue);background:var(--blue-tint)}
.opt b{display:block;font-size:1rem;color:var(--navy);font-weight:700;line-height:1.35}
.opt em{display:block;font-style:normal;font-size:.875rem;color:var(--gray);margin-top:3px;line-height:1.5}
.fnav{display:flex;gap:12px;align-items:center;margin-top:28px;padding-top:24px;border-top:1px solid #EDF2FA}
.fnav .btn{flex:1;justify-content:center;text-align:center}
.back{background:none;border:none;font:inherit;font-weight:700;color:var(--gray);cursor:pointer;padding:13px 4px;flex:none}
.back:hover{color:var(--navy)}
.err{color:#C6342B;font-size:.875rem;font-weight:600;margin-top:9px}
.err[hidden]{display:none}
.consent{background:#F7FAFE;border:1px solid var(--border);border-radius:12px;padding:19px 20px;margin-top:4px}
.cbrow{display:flex;gap:13px;align-items:flex-start}
.cbrow input{flex:none;width:21px;height:21px;margin-top:2px;accent-color:var(--blue);cursor:pointer}
.consent b{display:block;font-size:.9375rem;color:var(--navy);margin-bottom:7px}
.consent p{font-size:.8125rem;line-height:1.62;color:var(--gray)}
.consent p+p{margin-top:9px}
.consent a{color:var(--blue);font-weight:600}
.blocked{background:#FFF8E9;border:1px solid #F0DCA8;border-left:3px solid #E0A828;border-radius:12px;padding:19px 20px;margin-top:20px}
.blocked[hidden]{display:none}
.blocked b{display:block;color:#7A5B10;font-size:.9375rem;margin-bottom:6px}
.blocked p{font-size:.875rem;color:#7A5B10;line-height:1.62}
.fdisc{font-size:.8125rem;color:#8194AD;line-height:1.65;text-align:center;margin:20px auto 0;max-width:60ch}
.done{text-align:center;padding:14px 0 6px}
.done[hidden]{display:none}
.dico{width:62px;height:62px;border-radius:50%;background:var(--blue-tint);display:flex;align-items:center;justify-content:center;margin:0 auto 22px}
.done h2{font-size:1.5rem;letter-spacing:-.02em;color:var(--navy);margin-bottom:16px}
.done p{color:var(--gray);max-width:46ch;margin:0 auto 13px;line-height:1.7}
.done .btn{margin-top:18px}
@media(max-width:560px){
  .fcard{padding:26px 20px;border-radius:14px}
  .fhead{padding:36px 0 24px}
  .fhead h1{font-size:1.625rem}
  .row2{grid-template-columns:1fr;gap:0}
  .row2 .fld{margin-bottom:22px}
  .fnav{flex-direction:column-reverse;align-items:stretch;gap:8px}
  .fnav .btn{width:100%;padding:15px 16px;font-size:.9375rem;white-space:normal;line-height:1.3}
  .back{align-self:center;padding:10px 4px}
}

/* ---- how it works: numbered rows ---- */
.hsteps{max-width:800px;margin:0 auto;display:grid;gap:14px}
.hstep{display:flex;gap:22px;align-items:flex-start;background:var(--card);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:28px 30px}
.hstep .num{flex:none}
.hstep h3{margin-bottom:9px}
.hstep p{font-size:1rem;line-height:1.68;max-width:none;color:var(--gray)}
/* ---- tick / cross lists ---- */
ul.tick,ul.cross{list-style:none;display:grid;gap:11px;margin-top:4px}
ul.tick li,ul.cross li{position:relative;padding-left:29px;font-size:.9688rem;line-height:1.58;color:var(--gray)}
ul.tick li::before,ul.cross li::before{position:absolute;left:0;top:-1px;width:20px;height:20px;
  border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.6875rem;font-weight:800}
ul.tick li::before{content:"\2713";background:var(--blue-tint);color:var(--blue)}
ul.cross li::before{content:"\2715";background:#FBEAE8;color:#C6342B}
@media(max-width:560px){
  .hstep{flex-direction:column;gap:14px;padding:24px 22px}
}

/* ---- guide articles ---- */
.lc-soon{opacity:.62}
.lc-soon .more{color:var(--body);font-weight:600}
.gtop{padding:52px 0 18px;text-align:left}
.gtop .prose h1{max-width:34ch}
.gtop h1{max-width:34ch;margin:0 0 12px;font-size:clamp(1.75rem,3.4vw,2.5rem)}
.gcrumb{margin:0 0 16px;font-size:.9375rem}
.gcrumb a{color:var(--blue);font-weight:600;text-decoration:none}
.gcrumb a:hover{text-decoration:underline;text-underline-offset:3px}
.gmeta{margin:0;color:var(--body);font-size:.9375rem}
.gbody{padding:8px 0 58px}
.gbody .prose h2{margin:34px 0 12px}
.gbody .prose h2:first-child{margin-top:14px}
.gdisc{margin-top:34px;padding:16px 18px;background:var(--card);
  border:1px solid var(--border);border-radius:var(--r);
  font-size:.9375rem;line-height:1.6;color:var(--body)}
ul.rel{list-style:none;margin:0}
ul.rel li{margin-bottom:10px;font-size:1.0625rem}
ul.rel a{color:var(--blue);font-weight:600;text-decoration:none}
ul.rel a:hover{text-decoration:underline;text-underline-offset:3px}
ul.rel .soon{color:var(--body)}

/* ---- states served grid ---- */
.stgrid{list-style:none;margin:0 0 34px;padding:0;
  /* 225px is the widest min that still yields 5 columns at the 1160px wrap
     (5*225 + 4*8 = 1157), and it is wide enough to keep the longest label,
     "District of Columbia", on a single line so no row grows taller. */
  display:grid;grid-template-columns:repeat(auto-fill,minmax(225px,1fr));gap:8px}
.stgrid li{display:flex;align-items:center;gap:10px;
  padding:11px 14px;background:var(--card);border:1px solid var(--border);
  border-radius:10px;font-size:.9688rem;color:var(--navy);font-weight:500}
.st-ab{flex:0 0 auto;min-width:30px;padding:2px 6px;border-radius:5px;
  background:var(--blue-tint);color:var(--blue);
  font-size:.75rem;font-weight:800;letter-spacing:.02em;text-align:center}
.stgrid-x li{background:#FBEAE8;border-color:#F2D4D1;color:#8A2A22}
.stgrid-x .st-ab{background:#F6DAD7;color:#C6342B}
@media(max-width:560px){
  .stgrid{grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:7px}
  .stgrid li{padding:10px 12px;font-size:.9375rem}
}

/* ============ SLIM CTA (after FAQ blocks) ============
   Deliberately lighter than the full .cta band so a page never shows two
   identical blue blocks. Carries .cs-disc so disclosure coverage is unchanged. */
.cta-slim{padding:0 0 78px}
.cs-box{max-width:900px;margin:0 auto;background:var(--card);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:30px 34px;display:flex;align-items:center;gap:28px;
  justify-content:space-between}
.cs-txt h2{font-size:1.375rem;line-height:1.3;margin:0 0 7px;color:var(--navy);max-width:46ch}
.cs-txt p{margin:0;font-size:1rem;line-height:1.6;color:var(--gray);max-width:52ch}
.cs-box .btn{flex-shrink:0}
.cs-disc{max-width:820px;margin:15px auto 0;font-size:.8125rem;line-height:1.55;
  color:var(--gray-light);text-align:center}
@media(max-width:760px){
  .cta-slim{padding:0 0 56px}
  .cs-box{flex-direction:column;align-items:flex-start;gap:20px;padding:26px 22px}
  .cs-box .btn{width:100%;text-align:center}
  .cs-txt h2{font-size:1.25rem}
}

/* ============ INLINE CTA INSIDE GUIDE BODIES ============ */
.ginline{background:var(--blue-tint);border:1px solid #C9DBF8;border-left:3px solid var(--blue);
  border-radius:12px;padding:22px 25px;margin:32px 0 36px}
.ginline .gi-h{font-weight:800;color:var(--navy);font-size:1.0625rem;line-height:1.4;margin:0 0 9px}
.ginline p{margin:0 0 15px;font-size:1rem;line-height:1.62;color:var(--navy);max-width:none}
.ginline .gi-disc{font-size:.8125rem;line-height:1.5;color:var(--gray);margin:15px 0 0}
@media(max-width:600px){
  .ginline{padding:20px 19px;margin:26px 0 30px}
  .ginline .btn{width:100%;text-align:center}
}

/* ============================================================
   WebView-safe dropdown (ARIA select-only combobox)
   The native <select> popup is an OS widget that Android WebView
   -- what in-app browsers embed -- often refuses to render, so
   these replace it. The real <select> stays in the DOM as the
   value holder and the no-JS fallback; .cbx-on is added by JS,
   so with JS off the native control below is untouched.
   ============================================================ */
.cbx{position:relative}
.cbx-on>select{position:absolute;top:0;left:0;width:100%;height:100%;
  opacity:0;pointer-events:none;margin:0;padding:0;border:0;min-height:0}
.cbx-btn{display:flex;align-items:center;gap:10px;width:100%;
  font:inherit;font-size:1rem;line-height:1.5;text-align:left;color:var(--navy);
  background:#fff;border:1.5px solid var(--border);border-radius:var(--r);
  padding:13px 14px;min-height:52px;cursor:pointer;
  transition:border-color .16s,box-shadow .16s;
  touch-action:manipulation;-webkit-tap-highlight-color:transparent}
.cbx-val{flex:1 1 auto;min-width:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.cbx-val.is-ph{color:var(--gray-light)}
.cbx-arw{flex:none;color:var(--gray);transition:transform .16s}
.cbx.is-open .cbx-arw{transform:rotate(180deg)}
.cbx-btn:hover{border-color:#C7D7EE}
.cbx-btn:focus-visible,.cbx.is-open .cbx-btn{outline:none;border-color:var(--blue);
  box-shadow:0 0 0 3px rgba(29,93,224,.18)}
.cbx-btn[aria-invalid=true]{border-color:#C6342B;box-shadow:0 0 0 3px rgba(198,52,43,.12)}
.cbx-btn:disabled{opacity:.55;cursor:not-allowed;background:#F7FAFD}
.cbx-list{position:absolute;z-index:60;left:0;right:0;top:calc(100% + 6px);
  margin:0;padding:6px;list-style:none;background:#fff;
  border:1.5px solid var(--border);border-radius:var(--r);
  box-shadow:0 14px 36px rgba(11,42,91,.17);
  max-height:min(52vh,300px);overflow-y:auto;
  -webkit-overflow-scrolling:touch;overscroll-behavior:contain}
.cbx-list[hidden]{display:none}
.cbx.up .cbx-list{top:auto;bottom:calc(100% + 6px)}
.cbx-opt{padding:12px;border-radius:7px;font-size:1rem;line-height:1.35;
  color:var(--navy);cursor:pointer;-webkit-tap-highlight-color:transparent}
.cbx-opt.act{background:var(--blue-tint)}
.cbx-opt[aria-selected=true]{font-weight:700;color:var(--blue);background:var(--blue-tint)}
.cbx-opt[aria-selected=true].act{background:#D6E4FC}
.cbx-opt[aria-selected=true]::after{content:"";float:right;width:6px;height:11px;margin:3px 2px 0 0;
  border:solid currentColor;border-width:0 2px 2px 0;transform:rotate(45deg)}
@media (prefers-reduced-motion:reduce){.cbx-btn,.cbx-arw{transition:none}}
