: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.alert p,.route-card.alert .route-status{color:var(--ink)}.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)}
.returning-path{margin:28px 0 0;padding:18px 20px;border-left:6px solid var(--blue);background:var(--pale);font-size:14px}.process-section{padding:86px 0;background:var(--pale);border-block:2px solid var(--ink)}.process{display:grid;grid-template-columns:repeat(3,1fr);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}.worked-example{margin-top:38px;padding:28px;border:2px solid var(--ink);background:var(--yellow);box-shadow:var(--shadow)}.worked-example h3{font-size:25px;line-height:1.2;margin:0 0 8px}.worked-example>div:first-child>p:last-child{margin:0;font-size:14px}.money-flow{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;align-items:center;gap:14px;margin:24px 0}.money-flow p{margin:0;padding:16px;border:1px solid var(--ink);background:white}.money-flow span,.money-flow strong{display:block}.money-flow span{font-size:11px;color:var(--muted)}.money-flow strong{font-size:22px}.money-flow>b{font-size:24px}.example-total{font-size:13px;margin:0 0 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)}}
@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}.money-flow{grid-template-columns:1fr}.money-flow>b{text-align:center;line-height:1}.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%}}

/* Guide links complement the action cards without repeating the guides. */
.guide-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.guide-list li:first-child{grid-column:1/-1}.guide-list a{display:block;height:100%;padding:22px;border:2px solid var(--ink);text-decoration:none;background:white}.guide-list li:first-child a{background:var(--pale)}.guide-list strong{display:block;font-size:18px;color:var(--blue);line-height:1.4}.guide-list span{display:block;margin-top:6px;font-size:14px;color:var(--muted)}.guide-list a:hover{box-shadow:4px 4px 0 var(--ink)}.guide-list a:focus-visible{outline:3px solid var(--blue);outline-offset:4px}@media(max-width:600px){.guide-list{grid-template-columns:1fr}}