:root{--ink:#151a2d;--blue:#244be6;--paper:#fff;--muted:#596170;--line:#d8dce5;--coral:#ff816b;--pale:#eef1ff;--yellow:#f5f170;--font-sans:Arial,Helvetica,sans-serif;--font-mono:'Courier New',monospace;--shadow:4px 4px 0 var(--ink)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:96px}body{margin:0;color:var(--ink);background:var(--paper);font:16px/1.7 var(--font-sans)}img{max-width:100%;display:block}a{color:inherit;text-underline-offset:4px}button,input,select{font:inherit}button,input,select,summary{-webkit-tap-highlight-color:transparent}:focus-visible{outline:3px solid var(--blue);outline-offset:4px}[hidden]{display:none!important}.skip{position:fixed;left:16px;top:-80px;z-index:100;background:var(--yellow);border:2px solid var(--ink);padding:10px 14px;font-weight:700}.skip:focus{top:12px}.visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.jd-wrap{width:min(1160px,calc(100% - 80px));margin-inline:auto}
.jd-header{position:sticky;top:0;z-index:30;background:var(--paper);border-bottom:2px solid var(--ink)}.jd-header-row{height:78px;display:flex;align-items:center;justify-content:space-between;gap:28px}.jd-brand{display:inline-flex;align-items:center;gap:9px;font:900 30px/1 var(--font-sans);letter-spacing:-1.8px;text-decoration:none;color:var(--ink);white-space:nowrap}.jd-brand svg{width:29px;height:33px;flex:none;color:var(--blue)}.jd-dot{color:var(--blue)}.jd-nav{display:flex;align-items:center;gap:24px}.jd-nav>a{font-size:12px;font-weight:700;text-decoration:none;line-height:1.5;padding:8px 0}.jd-nav>a:hover{color:var(--blue)}.jd-nav>a[aria-current=page]{color:var(--blue);box-shadow:0 2px 0 var(--blue)}.jd-nav>a.jd-nav-cta{background:var(--ink);color:white;padding:12px 17px;border:2px solid var(--ink)}.jd-nav>a.jd-nav-cta:hover{background:var(--blue)}.jd-menu{display:none;background:white;color:var(--ink);padding:10px 13px;border:1px solid var(--ink);font-size:12px;font-weight:700;min-height:44px}
.button{display:inline-flex;align-items:center;justify-content:center;gap:18px;border:2px solid var(--ink);border-radius:0;background:var(--blue);color:white;padding:13px 19px;font-weight:700;font-size:13px;line-height:1.4;text-decoration:none;box-shadow:var(--shadow);transition:transform .15s,box-shadow .15s;min-height:48px}.button:hover{transform:translate(2px,2px);box-shadow:2px 2px 0 var(--ink)}.button-dark{background:var(--ink)}.text-link{font-weight:700;font-size:13px}.eyebrow,.meta,.step-no,.route-status{font-family:var(--font-mono);font-weight:700;letter-spacing:1.2px;text-transform:uppercase}.eyebrow{font-size:11px;margin:0 0 14px}.section-heading{display:grid;grid-template-columns:1.25fr .75fr;gap:64px;align-items:end;margin-bottom:38px}.section-heading h2{font-size:clamp(34px,5vw,58px);line-height:1.02;letter-spacing:-2.7px;margin:0}.section-heading>p{margin:0;color:var(--muted)}
.home-hero{border-bottom:2px solid var(--ink);overflow:hidden}.hero-grid{min-height:660px;display:grid;grid-template-columns:1.02fr .98fr;align-items:stretch}.hero-copy{display:flex;flex-direction:column;justify-content:center;padding:70px 60px 70px 0;position:relative}.hero-copy:after{content:'✳';position:absolute;right:24px;bottom:42px;color:var(--coral);font-size:52px}.hero-copy h1{font-size:clamp(48px,7vw,84px);line-height:.94;letter-spacing:-4.8px;margin:0 0 26px}.hero-copy h1 span{color:var(--blue)}.hero-lead{font-size:19px;max-width:630px;margin:0 0 28px}.hero-actions{display:flex;align-items:center;gap:24px;flex-wrap:wrap}.hero-trust{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin:38px 0 0;border-block:1px solid var(--ink)}.hero-trust div{padding:15px 14px 14px 0}.hero-trust div+div{border-left:1px solid var(--line);padding-left:14px}.hero-trust b{display:block;font:12px var(--font-mono);color:var(--blue);margin-bottom:5px}.hero-trust span{font-size:12px;line-height:1.45;display:block}.hero-media{position:relative;background:var(--pale);border-left:2px solid var(--ink)}.hero-media img{width:100%;height:100%;object-fit:cover;object-position:58% center}.hero-caption{position:absolute;left:24px;right:24px;bottom:24px;background:rgba(255,255,255,.94);border:2px solid var(--ink);padding:12px 14px;font-size:11px;box-shadow:var(--shadow)}
.journey{padding:86px 0}.route-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.route-card{display:flex;flex-direction:column;min-height:250px;border:2px solid var(--ink);padding:24px;text-decoration:none;background:white;box-shadow:4px 4px 0 transparent;transition:transform .15s,box-shadow .15s}.route-card:hover{transform:translate(-2px,-2px);box-shadow:var(--shadow)}.route-card.featured{background:var(--yellow)}.route-card.alert{background:var(--coral)}.route-card h3{font-size:24px;line-height:1.1;margin:12px 0}.route-card p{font-size:14px;color:#384054;margin:0 0 24px}.route-card strong{margin-top:auto;font-size:13px}.route-status{font-size:9px;color:var(--blue)}
.process-section{padding:86px 0;background:var(--pale);border-block:2px solid var(--ink)}.process{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:2px solid var(--ink);background:white;box-shadow:7px 7px 0 var(--ink)}.process article{padding:26px 22px;position:relative;min-height:250px}.process article+article{border-left:1px solid var(--ink)}.process article:not(:last-child):after{content:'→';position:absolute;right:-15px;top:30px;z-index:2;display:grid;place-items:center;width:28px;height:28px;background:var(--yellow);border:1px solid var(--ink);font-weight:900}.step-no{font-size:11px;color:var(--blue)}.process h3{font-size:20px;line-height:1.2;margin:20px 0 10px}.process p{font-size:13px;color:var(--muted);margin:0}.process strong{display:block;margin-top:18px;font-size:12px}.consent-note{display:grid;grid-template-columns:auto 1fr;gap:20px;align-items:center;background:var(--yellow);border:2px solid var(--ink);padding:20px 24px;margin-top:28px}.consent-note span{font-size:34px}.consent-note p{margin:0}.consent-note strong{display:block}
.plain-section{padding:86px 0}.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.check-card{border-top:2px solid var(--ink);padding:23px 0}.check-card h3{font-size:21px;margin:0 0 10px}.check-card p{margin:0;color:var(--muted);font-size:14px}.not-lender{background:var(--ink);color:white;padding:32px;display:grid;grid-template-columns:1fr auto;align-items:center;gap:28px}.not-lender p{margin:7px 0 0;color:#d8dce5;font-size:14px}.not-lender .button{background:var(--yellow);color:var(--ink)}
.jd-sources{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;padding:42px 0;border-top:1px solid var(--ink);font-size:12px;color:var(--muted)}.jd-sources h2{font-size:25px;color:var(--ink);line-height:1.2;margin:0 0 12px}.source-links{display:grid;gap:13px}.source-links a{font-size:12px;line-height:1.6}.jd-footer{background:var(--ink);color:white;padding:38px 0}.jd-footer-row{display:grid;grid-template-columns:1fr 1.7fr auto;gap:35px;align-items:center}.jd-footer .jd-brand{color:white}.jd-footer .jd-brand svg,.jd-footer .jd-dot{color:var(--yellow)}.jd-footer p{font-size:12px;color:#c4cbda;line-height:1.8;margin:0}.jd-footer small{font:11px var(--font-mono);color:#c4cbda}.jd-footer-links{display:flex;flex-wrap:wrap;gap:20px;margin-top:12px}.jd-footer-links a{font-size:12px;color:white}
@media(max-width:1000px){.jd-wrap{width:calc(100% - 48px)}.jd-nav{gap:16px}.hero-grid{grid-template-columns:1fr 1fr}.hero-copy{padding-right:35px}.hero-trust{grid-template-columns:1fr}.hero-trust div+div{border-left:0;border-top:1px solid var(--line);padding-left:0}.route-grid{grid-template-columns:repeat(2,1fr)}.process{grid-template-columns:repeat(2,1fr)}.process article:nth-child(3){border-left:0;border-top:1px solid var(--ink)}.process article:nth-child(4){border-top:1px solid var(--ink)}}
@media(max-width:800px){.jd-header-row{height:70px}.jd-brand{font-size:28px}.jd-menu{display:block}.jd-nav{display:none;position:absolute;top:70px;left:0;right:0;background:white;border-bottom:2px solid var(--ink);padding:20px 24px;align-items:stretch;gap:8px}.jd-nav.open{display:flex;flex-direction:column}.jd-nav>a{padding:12px;font-size:14px}.jd-nav>a[aria-current=page]{box-shadow:none;background:var(--pale)}.hero-grid{grid-template-columns:1fr}.hero-copy{padding:62px 0 50px;min-height:540px}.hero-media{height:430px;border-left:0;border-top:2px solid var(--ink)}.section-heading{grid-template-columns:1fr;gap:20px}.jd-footer-row{grid-template-columns:1fr 2fr}.jd-footer small{grid-column:1/-1}.jd-sources{gap:35px}.not-lender{grid-template-columns:1fr}}
@media(max-width:600px){.jd-wrap{width:calc(100% - 40px)}.hero-copy h1{font-size:50px;letter-spacing:-3px}.hero-lead{font-size:17px}.hero-copy:after{display:none}.hero-media{height:320px}.hero-caption{left:14px;right:14px;bottom:14px}.route-grid,.check-grid{grid-template-columns:1fr}.route-card{min-height:220px}.process{grid-template-columns:1fr}.process article{min-height:auto}.process article+article{border-left:0;border-top:1px solid var(--ink)}.process article:not(:last-child):after{content:'↓';right:18px;top:auto;bottom:-15px}.consent-note{grid-template-columns:1fr}.jd-sources{grid-template-columns:1fr;gap:24px}.jd-footer-row{grid-template-columns:1fr;gap:22px}.jd-footer small{grid-column:auto}}
@media(max-width:340px){.jd-wrap{width:calc(100% - 28px)}.jd-brand{font-size:25px}.hero-copy h1{font-size:43px}.hero-actions{align-items:stretch}.hero-actions .button{width:100%}.section-heading h2{font-size:34px}.route-card{padding:20px}.process article{padding:22px 18px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}
@media print{.jd-header,.skip{display:none}.hero-grid{min-height:0}.route-card,.process{box-shadow:none}.jd-footer{background:white;color:black}.jd-footer p,.jd-footer small,.jd-footer .jd-brand{color:black}.jd-wrap{width:100%}}

/* Directory page */
.directory-hero{background:var(--pale);border-bottom:2px solid var(--ink);padding:76px 0}.directory-hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:70px;align-items:end}.directory-hero h1{font-size:clamp(48px,7vw,82px);line-height:.95;letter-spacing:-4px;margin:0 0 24px}.directory-hero h1 span{color:var(--blue)}.directory-hero .lead{font-size:18px;max-width:690px;margin:0}.hero-disclosure{background:white;border:2px solid var(--ink);padding:26px;box-shadow:var(--shadow)}.hero-disclosure strong{display:block;font-size:18px;line-height:1.25;margin-bottom:10px}.hero-disclosure p{font-size:13px;color:var(--muted);margin:0}.hero-disclosure a{font-weight:700}
.verification-section{padding:78px 0}.verification-flow{display:grid;grid-template-columns:repeat(3,1fr);border:2px solid var(--ink);box-shadow:7px 7px 0 var(--ink)}.verification-flow article{min-height:245px;padding:26px;position:relative}.verification-flow article:nth-child(1){background:var(--yellow)}.verification-flow article:nth-child(2){background:white}.verification-flow article:nth-child(3){background:var(--pale)}.verification-flow article+article{border-left:2px solid var(--ink)}.verification-flow article:not(:last-child):after{content:'≠';position:absolute;right:-18px;top:28px;z-index:2;width:34px;height:34px;display:grid;place-items:center;border:2px solid var(--ink);background:var(--coral);font-weight:900}.verification-flow h2{font-size:25px;line-height:1.1;margin:18px 0 10px}.verification-flow p{font-size:13px;margin:0;color:#40485a}.verification-flow strong{display:block;margin-top:18px;font-size:12px}.diagram-note{font-size:13px;color:var(--muted);margin:24px 0 0}.verification-example{display:grid;grid-template-columns:.8fr 1.2fr;gap:28px;align-items:center;margin-top:34px;padding:28px;border:2px solid var(--ink);background:#fff}.message-example{background:#edf7ed;border:1px solid #9ebd9e;padding:20px;border-radius:14px 14px 14px 2px}.message-example span{font:10px var(--font-mono);color:var(--muted)}.message-example p{font-size:16px;margin:8px 0 0}.verification-example h3{font-size:24px;line-height:1.2;margin:0}.verification-example ol{padding-left:22px;margin:14px 0 0}.verification-example li{font-size:13px;margin:7px 0}
.directory-section{background:#f7f8fc;border-block:2px solid var(--ink);padding:78px 0}.filter-panel{background:white;border:2px solid var(--ink);padding:24px;margin-bottom:26px;box-shadow:var(--shadow)}.filter-row{display:grid;grid-template-columns:minmax(0,560px);gap:18px;align-items:end}.filter-field label{display:block;font-size:12px;font-weight:700;margin-bottom:7px}.filter-field input,.filter-field select{width:100%;min-height:48px;border:1px solid #aeb6c8;border-radius:0;padding:10px 12px;background:white;color:var(--ink)}.filter-field input:focus-visible,.filter-field select:focus-visible{outline-offset:2px}.filter-check{display:flex;gap:10px;align-items:flex-start;margin-top:18px;font-size:13px}.filter-check input{width:20px;height:20px;accent-color:var(--blue);flex:none}.filter-actions{display:flex;justify-content:space-between;gap:20px;align-items:center;margin-top:20px;padding-top:17px;border-top:1px solid var(--line)}.filter-actions button{border:0;background:none;text-decoration:underline;font-weight:700;cursor:pointer;padding:8px}.filter-actions p{margin:0;font:12px var(--font-mono)}
.directory-list{display:grid;gap:22px}.partner-card{background:white;border:2px solid var(--ink);display:grid;grid-template-columns:270px 1fr}.partner-summary{padding:25px;background:var(--pale);border-right:1px solid var(--ink)}.partner-card[data-state="missing"] .partner-summary{background:#fff7f4}.partner-summary .kind{font:10px var(--font-mono);letter-spacing:1px;text-transform:uppercase;color:var(--blue)}.partner-summary h3{font-size:24px;line-height:1.15;margin:10px 0}.partner-summary p{font-size:13px;color:var(--muted);margin:0}.status-pill{display:inline-flex;margin-top:20px;border:1px solid var(--ink);background:var(--yellow);padding:5px 8px;font:9px var(--font-mono);letter-spacing:.7px;text-transform:uppercase}.status-pill.inactive{background:var(--coral)}.partner-details{padding:25px}.evidence-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 26px;margin:0}.evidence-grid div{border-top:1px solid var(--line);padding-top:12px}.evidence-grid dt{font:10px var(--font-mono);letter-spacing:.8px;text-transform:uppercase;color:var(--muted);margin-bottom:4px}.evidence-grid dd{margin:0;font-size:13px}.evidence-grid a{font-weight:700}.missing-list{margin:18px 0 0;padding:15px 18px 15px 35px;background:#fff5f2;border-left:5px solid var(--coral);font-size:12px}.partner-action{margin-top:20px;padding-top:18px;border-top:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;gap:18px}.partner-action p{margin:0;font-size:12px;color:var(--muted)}.partner-action .official-link{font-size:12px;font-weight:700;white-space:nowrap}.disabled-action{display:inline-flex;align-items:center;min-height:44px;padding:10px 13px;border:2px solid #8d93a2;color:#676d7a;background:#e9ebf1;font-size:12px;font-weight:700;cursor:not-allowed}.empty-state{border:2px dashed var(--ink);background:white;text-align:center;padding:46px 24px}.empty-state span{font-size:36px}.empty-state h3{font-size:24px;margin:10px 0}.empty-state p{max-width:580px;margin:0 auto 20px;color:var(--muted)}
.data-contract{padding:78px 0}.contract-grid{display:grid;grid-template-columns:1fr 1fr;gap:45px}.contract-list{display:grid;gap:0;border-top:2px solid var(--ink)}.contract-list div{display:grid;grid-template-columns:160px 1fr;gap:16px;padding:14px 0;border-bottom:1px solid var(--line)}.contract-list dt{font:10px var(--font-mono);text-transform:uppercase}.contract-list dd{font-size:13px;margin:0;color:var(--muted)}.gate-box{border:2px solid var(--ink);padding:26px;background:var(--yellow);box-shadow:var(--shadow)}.gate-box h3{font-size:24px;margin:0 0 10px}.gate-box ol{padding-left:21px;margin:15px 0 0}.gate-box li{font-size:13px;margin:10px 0}.gate-box p{font-size:13px}
@media(max-width:900px){.directory-hero-grid,.contract-grid{grid-template-columns:1fr}.filter-row{grid-template-columns:1fr 1fr}.filter-field:first-child{grid-column:1/-1}.partner-card{grid-template-columns:220px 1fr}}
@media(max-width:700px){.verification-flow{grid-template-columns:1fr}.verification-flow article+article{border-left:0;border-top:2px solid var(--ink)}.verification-flow article:not(:last-child):after{content:'≠';right:22px;top:auto;bottom:-18px}.verification-example{grid-template-columns:1fr;padding:22px}.filter-row{grid-template-columns:1fr}.filter-field:first-child{grid-column:auto}.filter-actions{align-items:flex-start;flex-direction:column}.partner-card{grid-template-columns:1fr}.partner-summary{border-right:0;border-bottom:1px solid var(--ink)}.evidence-grid{grid-template-columns:1fr}.partner-action{align-items:flex-start;flex-direction:column}.partner-action .official-link{white-space:normal;width:100%}.contract-list div{grid-template-columns:1fr;gap:5px}}
@media(max-width:340px){.directory-hero h1{font-size:43px}.filter-panel,.partner-summary,.partner-details{padding:18px}.verification-flow article{padding:22px 18px}}