/* Low Rate Funding - light fintech dashboard */
:root{
  --mint:#e7f7ef; --mint-2:#d3efe2; --mint-3:#f3fbf7;
  --green:#0f8a5f; --green-d:#0a6e4a; --green-dd:#075238;
  --slate:#1d2b36; --slate-2:#44535f; --slate-3:#6b7a86;
  --line:#dbe5e0; --paper:#ffffff; --bg:#f6f9f8;
  --amber:#b45309; --amber-bg:#fff4e0;
  --radius:14px; --shadow:0 1px 2px rgba(20,40,32,.06),0 6px 20px rgba(20,40,32,.05);
  --mono:'JetBrains Mono',ui-monospace,Consolas,monospace;
  --sans:'Manrope',system-ui,-apple-system,'Segoe UI',sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);color:var(--slate);background:var(--bg);line-height:1.65;font-size:17px}
img,svg{max-width:100%;height:auto}
a{color:var(--green-d);text-underline-offset:3px}
a:hover{color:var(--green-dd)}
:focus-visible{outline:3px solid #0f8a5f;outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:var(--green-d);color:#fff;padding:.6rem 1rem;z-index:100}
.skip:focus{left:8px;top:8px}
.wrap{width:100%;max-width:1180px;margin:0 auto;padding:0 20px}
h1,h2,h3,h4{line-height:1.2;color:var(--slate);letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.2rem);font-weight:800;margin:0 0 .5em}
h2{font-size:clamp(1.4rem,2.6vw,1.85rem);font-weight:800;margin:1.8em 0 .5em}
h3{font-size:1.15rem;font-weight:700;margin:1.4em 0 .4em}
p{margin:0 0 1em}
.mono,.num{font-family:var(--mono);font-variant-numeric:tabular-nums}

/* header */
.site-head{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.head-in{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:66px}
.brand{display:inline-flex;align-items:center;text-decoration:none}
.brand img{height:34px;width:auto;display:block}
.nav{display:flex;gap:4px;align-items:center}
.nav a{color:var(--slate-2);text-decoration:none;font-weight:600;font-size:.95rem;padding:.5rem .8rem;border-radius:999px}
.nav a:hover{background:var(--mint);color:var(--green-dd)}
.nav a[aria-current="page"]{background:var(--mint);color:var(--green-dd)}
.nav .cta{background:var(--green-d);color:#fff;margin-left:6px}
.nav .cta:hover{background:var(--green-dd);color:#fff}
.menu-btn{display:none;background:#fff;border:1px solid var(--line);border-radius:10px;padding:.5rem .8rem;font:inherit;font-weight:700;color:var(--slate);cursor:pointer}

/* buttons */
.btn{display:inline-block;background:var(--green-d);color:#fff;text-decoration:none;font-weight:700;padding:.8rem 1.3rem;border-radius:12px;border:2px solid var(--green-d);font-size:1rem;cursor:pointer;font-family:inherit}
.btn:hover{background:var(--green-dd);border-color:var(--green-dd);color:#fff}
.btn.ghost{background:transparent;color:var(--green-dd)}
.btn.ghost:hover{background:var(--mint);color:var(--green-dd)}

/* hero */
.hero{background:linear-gradient(180deg,var(--mint) 0%,var(--mint-3) 100%);border-bottom:1px solid var(--line);padding:56px 0 48px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.eyebrow{display:inline-block;font-family:var(--mono);font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--green-dd);background:#fff;border:1px solid var(--mint-2);padding:.3rem .7rem;border-radius:999px;margin-bottom:1rem}
.lede{font-size:1.15rem;color:var(--slate-2);max-width:60ch}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:1.4rem}

/* tiles */
.tiles{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.tile{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow)}
.tile .k{font-size:.78rem;font-weight:700;color:var(--slate-3);text-transform:uppercase;letter-spacing:.06em}
.tile .v{font-family:var(--mono);font-size:1.7rem;font-weight:700;color:var(--green-d);margin:.2rem 0;line-height:1.2}
.tile .s{font-size:.85rem;color:var(--slate-2);line-height:1.4}
.tile.wide{grid-column:1/-1}
.tile.dark{background:var(--slate);color:#fff;border-color:var(--slate)}
.tile.dark .k,.tile.dark .s{color:#c3d1cb}
.tile.dark .v{color:#7ff0bf}
.note{font-size:.85rem;color:var(--slate-3)}

/* sections */
.section{padding:56px 0}
.section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:16px;flex-wrap:wrap;margin-bottom:24px}
.sec-head h2{margin:0}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card h3{margin-top:0}
.card .more{margin-top:auto;font-weight:700}
.chip{display:inline-block;font-family:var(--mono);font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;background:var(--mint);color:var(--green-dd);padding:.2rem .6rem;border-radius:999px;margin-bottom:.7rem;align-self:flex-start}
.card h3 a{text-decoration:none;color:var(--slate)}
.card h3 a:hover{color:var(--green-d);text-decoration:underline}
.card time{font-size:.82rem;color:var(--slate-3);font-family:var(--mono)}

/* tables */
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff;margin:1.2rem 0}
table{border-collapse:collapse;width:100%;min-width:480px;font-size:.95rem}
caption{text-align:left;padding:12px 16px;font-weight:700;background:var(--mint-3);border-bottom:1px solid var(--line)}
th,td{padding:11px 16px;text-align:left;border-bottom:1px solid var(--line)}
th{font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--slate-2);background:var(--mint-3)}
td.n,th.n{text-align:right;font-family:var(--mono);font-variant-numeric:tabular-nums}
tr:last-child td{border-bottom:0}

/* guide layout with sticky TOC */
.guide{display:grid;grid-template-columns:250px minmax(0,1fr);gap:48px;padding:40px 0 64px;align-items:start}
.toc{position:sticky;top:90px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;font-size:.92rem}
.toc strong{display:block;font-family:var(--mono);font-size:.74rem;text-transform:uppercase;letter-spacing:.08em;color:var(--slate-3);margin-bottom:.6rem}
.toc ol{list-style:none;margin:0;padding:0}
.toc li a{display:block;padding:.4rem .6rem;border-left:3px solid var(--line);color:var(--slate-2);text-decoration:none;line-height:1.35}
.toc li a:hover,.toc li a.on{border-left-color:var(--green);color:var(--green-dd);background:var(--mint-3)}
.prose{max-width:74ch}
.prose h2{scroll-margin-top:90px}
.prose ul,.prose ol{padding-left:1.3rem}
.prose li{margin-bottom:.4rem}
.page-head{background:var(--mint);border-bottom:1px solid var(--line);padding:40px 0 34px}
.page-head h1{margin-bottom:.3em}
.crumbs{font-family:var(--mono);font-size:.8rem;color:var(--slate-3);margin-bottom:.8rem}
.crumbs a{color:var(--slate-2)}
.callout{background:var(--mint);border:1px solid var(--mint-2);border-left:5px solid var(--green);border-radius:10px;padding:16px 18px;margin:1.4rem 0}
.callout.warn{background:var(--amber-bg);border-color:#f3dcb1;border-left-color:var(--amber)}
.callout p:last-child{margin:0}
.formula{font-family:var(--mono);background:var(--slate);color:#d8fbe9;border-radius:10px;padding:14px 16px;overflow-x:auto;font-size:.92rem;margin:1.2rem 0}

/* calculator */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:24px;margin:28px 0}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.panel h2{margin-top:0;font-size:1.25rem}
.field{margin-bottom:16px}
.field label{display:block;font-weight:700;font-size:.9rem;margin-bottom:6px}
.field .hint{font-size:.8rem;color:var(--slate-3);font-weight:500}
.inp{display:flex;align-items:stretch;border:1.5px solid #9fb2aa;border-radius:10px;background:#fff;overflow:hidden}
.inp:focus-within{border-color:var(--green-d);box-shadow:0 0 0 3px rgba(15,138,95,.2)}
.inp span{display:flex;align-items:center;padding:0 12px;background:var(--mint-3);color:var(--slate-2);font-family:var(--mono);font-size:.9rem}
.inp input,.inp select{flex:1;min-width:0;border:0;padding:12px;font:inherit;font-family:var(--mono);font-size:1rem;color:var(--slate);background:#fff;outline:0}
.results .tiles{grid-template-columns:1fr 1fr}
.results .tile .v{font-size:1.45rem;overflow-wrap:anywhere}
.err{color:#a11d1d;font-weight:700;font-size:.9rem;min-height:1.3em}

/* footer */
.site-foot{background:var(--slate);color:#d5e0db;padding:48px 0 28px;margin-top:0;font-size:.92rem}
.site-foot a{color:#9ff0cb}
.site-foot a:hover{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px}
.site-foot h3{color:#fff;font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;font-family:var(--mono);margin:0 0 .8rem}
.site-foot ul{list-style:none;padding:0;margin:0}
.site-foot li{margin-bottom:.4rem}
.site-foot .brandtxt{font-weight:800;font-size:1.3rem;color:#fff}
.disclaimer{border-top:1px solid #34444f;margin-top:28px;padding-top:20px;color:#b4c3bd;font-size:.85rem;line-height:1.6}
.legal{margin-top:14px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;color:#b4c3bd;font-size:.85rem}

/* blog */
.post-hero{background:var(--mint);border-bottom:1px solid var(--line);padding:44px 0 36px}
.post-hero h1{max-width:22ch}
.meta{font-family:var(--mono);font-size:.85rem;color:var(--slate-2);display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.post-body{padding:40px 0 20px}
.post-body .prose{margin:0 auto}
.post-body .prose h2{margin-top:1.8em}
.post-body .prose blockquote{border-left:4px solid var(--green);margin:1.4rem 0;padding:.2rem 1rem;background:var(--mint-3)}
.post-body .prose table{min-width:0}
.post-body .prose th,.post-body .prose td{white-space:nowrap}
.post-body .prose td:first-child{white-space:normal}
.post-body .prose table{display:block;overflow-x:auto;border:1px solid var(--line);border-radius:10px;background:#fff}
.post-aside{max-width:74ch;margin:24px auto 0;padding:18px 20px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);font-size:.9rem;color:var(--slate-2)}
.related{padding:20px 0 56px}
.count{font-family:var(--mono);color:var(--slate-2)}

/* responsive */
@media (max-width:900px){
  .hero-grid,.calc,.grid3,.grid2,.foot-grid{grid-template-columns:1fr}
  .guide{grid-template-columns:minmax(0,1fr);gap:24px}
  .hero-grid,.calc,.grid3,.grid2,.foot-grid{grid-template-columns:minmax(0,1fr)}
  .toc{position:static}
  .toc ol{display:flex;flex-wrap:wrap;gap:6px}
  .toc li a{border:1px solid var(--line);border-radius:999px;padding:.35rem .8rem}
  .menu-btn{display:inline-block}
  .nav{display:none;position:absolute;left:0;right:0;top:66px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:10px 20px 16px}
  .nav.open{display:flex}
  .nav a{padding:.8rem}
  .nav .cta{margin:6px 0 0;text-align:center}
}
@media (max-width:480px){
  body{font-size:16px}
  .tiles{grid-template-columns:1fr 1fr}
  .tile .v{font-size:1.3rem}
  .results .tiles{grid-template-columns:1fr}
  .hero{padding:36px 0 32px}
  .panel{padding:18px}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* ---- photo-led additions ---- */
.photo{display:block;width:100%;height:100%;object-fit:cover}
.btn.lg{padding:1rem 1.7rem;font-size:1.08rem}
.btn.mint{background:#7ff0bf;border-color:#7ff0bf;color:#0b2a1f}
.btn.mint:hover{background:#a6f6d2;border-color:#a6f6d2;color:#0b2a1f}
.btn.ghost-light{background:transparent;border-color:#fff;color:#fff}
.btn.ghost-light:hover{background:rgba(255,255,255,.16);color:#fff;border-color:#fff}
.hero-photo{position:relative;padding:0;border-bottom:0;background:#10261f;isolation:isolate;overflow:hidden}
.hero-photo>.hero-bg{position:absolute;inset:0;z-index:-2}
.hero-photo::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(10,32,25,.93) 0%,rgba(10,32,25,.82) 45%,rgba(10,32,25,.35) 100%)}
.hero-photo .hero-grid{padding-top:76px;padding-bottom:76px}
.hero-photo h1,.hero-photo .lede{color:#fff}
.hero-photo .lede{color:#e3efe9}
.hero-photo .eyebrow{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.3);color:#d8fbe9}
.hero-photo .note{color:#c3d1cb}
.hero-photo .actions{margin-top:1.6rem}
.trust{list-style:none;margin:1.4rem 0 0;padding:0;display:flex;flex-wrap:wrap;gap:8px 18px;color:#e3efe9;font-size:.92rem;font-weight:600}
.trust li:before{content:"\2713";color:#7ff0bf;margin-right:6px;font-weight:800}
.ptiles{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.ptile{position:relative;display:block;border-radius:var(--radius);overflow:hidden;aspect-ratio:4/5;text-decoration:none;color:#fff;box-shadow:var(--shadow);background:var(--slate)}
.ptile img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .4s}
.ptile:hover img{transform:scale(1.04)}
.ptile .pt-label{position:absolute;left:0;right:0;bottom:0;padding:48px 16px 16px;background:linear-gradient(180deg,rgba(10,32,25,0) 0%,rgba(10,32,25,.9) 70%);display:flex;flex-direction:column;gap:2px}
.ptile strong{font-size:1.1rem;color:#fff}
.ptile .pt-label span{font-size:.88rem;color:#e3efe9;line-height:1.35}
.ptile .pt-go{color:#7ff0bf;font-weight:800;margin-top:6px}
.band{position:relative;border-radius:var(--radius);overflow:hidden;background:#10261f;color:#fff;isolation:isolate;display:grid;grid-template-columns:1.1fr .9fr}
.band .band-text{padding:44px 40px;display:flex;flex-direction:column;align-items:flex-start;justify-content:center}
.band h2{color:#fff;margin:0 0 .4em}
.band p{color:#e3efe9}
.band .band-img{position:relative;min-height:260px}
.band .band-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.ph-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:36px;align-items:center}
.ph-photo{margin:0;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);aspect-ratio:3/2;border:1px solid var(--mint-2);background:var(--mint-2)}
.ph-photo img{width:100%;height:100%;object-fit:cover;display:block}
.card .card-img{margin:-22px -22px 16px;aspect-ratio:3/2;overflow:hidden;border-radius:var(--radius) var(--radius) 0 0;background:var(--mint-2)}
.card .card-img img{width:100%;height:100%;object-fit:cover;display:block}
@media (max-width:900px){
  .ptiles{grid-template-columns:repeat(2,1fr)}
  .band{grid-template-columns:1fr}
  .band .band-img{min-height:200px;order:-1}
  .band .band-text{padding:28px 22px}
  .ph-grid{grid-template-columns:minmax(0,1fr);gap:20px}
  .ph-photo{aspect-ratio:16/9}
  .hero-photo::after{background:linear-gradient(180deg,rgba(10,32,25,.9) 0%,rgba(10,32,25,.82) 100%)}
  .hero-photo .hero-grid{padding-top:44px;padding-bottom:44px}
}
@media (max-width:480px){.ptile{aspect-ratio:3/4}.ptile .pt-label span{display:none}.hero-photo .actions .btn{width:100%;text-align:center}}