:root {
    --pt-bg: #f7f8f5;
    --pt-bg-soft: #eef2ec;
    --pt-paper: #ffffff;
    --pt-ink: #1c2420;
    --pt-muted: #5d6a62;
    --pt-line: #d9dfd7;
    --pt-accent: #376b57;
    --pt-accent-dark: #203e35;
    --pt-warm: #a65f3a;
    --pt-blue: #dfe9ee;
    --pt-focus: #153f73;
}

html {
    scroll-behavior: smooth;
}

body {
    background: var(--pt-bg);
    color: var(--pt-ink);
    font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-size: 1rem;
    line-height: 1.65;
    text-rendering: optimizeLegibility;
}

a {
    color: var(--pt-accent-dark);
    text-underline-offset: .18em;
}

a:hover {
    color: var(--pt-warm);
}

a:focus-visible,
button:focus-visible {
    outline: 3px solid var(--pt-focus);
    outline-offset: 3px;
}

.skip-link {
    background: var(--pt-ink);
    color: #fff;
    left: 1rem;
    padding: .65rem .9rem;
    position: absolute;
    top: -4rem;
    z-index: 10;
}

.skip-link:focus {
    top: 1rem;
}

.site-header {
    background: rgba(247, 248, 245, .94);
    border-bottom: 1px solid var(--pt-line);
    backdrop-filter: blur(14px);
    position: sticky;
    top: 0;
    z-index: 5;
}

.navbar {
    min-height: 76px;
    padding: .85rem 0;
}

.navbar-brand img {
    height: auto;
    max-width: 188px;
}

.nav-link {
    color: var(--pt-ink);
    font-size: .95rem;
    font-weight: 650;
    padding-left: .9rem !important;
    padding-right: .9rem !important;
}

.nav-link:hover {
    color: var(--pt-accent);
}

.hero-section,
.page-hero {
    padding: clamp(3rem, 7vw, 6.5rem) 0 clamp(2.5rem, 5vw, 5rem);
}

.page-hero {
    background: linear-gradient(180deg, #fbfcfa 0%, var(--pt-bg) 100%);
    border-bottom: 1px solid var(--pt-line);
    padding: clamp(2.1rem, 5vw, 4.6rem) 0 clamp(1.8rem, 3vw, 2.8rem);
}

.hero-grid {
    align-items: end;
    display: grid;
    gap: clamp(1.5rem, 4vw, 5rem);
    grid-template-columns: minmax(0, 1fr);
}

.hero-copy {
    max-width: 760px;
}

.eyebrow {
    color: var(--pt-accent);
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: 0;
    margin-bottom: .75rem;
    text-transform: uppercase;
}

h1,
h2,
h3 {
    color: var(--pt-ink);
    font-weight: 720;
    letter-spacing: 0;
    line-height: 1.08;
}

h1 {
    font-size: clamp(2.25rem, 4.7vw, 4.55rem);
    max-width: 930px;
}

h2 {
    font-size: clamp(1.55rem, 2.6vw, 2.35rem);
}

h3 {
    font-size: 1.12rem;
}

.lead {
    color: var(--pt-muted);
    font-size: clamp(1.05rem, 1.65vw, 1.28rem);
    line-height: 1.6;
    max-width: 760px;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: .8rem;
    margin-top: 1.75rem;
}

.btn {
    border-radius: 4px;
    font-weight: 700;
    padding: .78rem 1rem;
    text-decoration: none;
}

.btn-primary {
    background: var(--pt-accent-dark);
    border-color: var(--pt-accent-dark);
}

.btn-primary:hover {
    background: var(--pt-accent);
    border-color: var(--pt-accent);
}

.btn-outline-dark {
    border-color: var(--pt-ink);
    color: var(--pt-ink);
}

.btn-outline-dark:hover {
    background: var(--pt-ink);
    border-color: var(--pt-ink);
}

.hero-note {
    background: var(--pt-blue);
    border-left: 6px solid var(--pt-accent);
    padding: 1.15rem;
}

.hero-note span {
    color: var(--pt-accent-dark);
    display: block;
    font-size: .76rem;
    font-weight: 800;
    margin-bottom: .45rem;
    text-transform: uppercase;
}

.hero-note p {
    margin: 0;
}

.section-pad {
    padding: clamp(2.75rem, 6vw, 5.75rem) 0;
}

.section-heading {
    align-items: end;
    display: grid;
    gap: 1rem;
    grid-template-columns: minmax(0, 1fr);
    margin-bottom: 1.5rem;
}

.section-heading p:last-child {
    color: var(--pt-muted);
    margin-bottom: 0;
}

.method-grid {
    display: grid;
    gap: 1px;
    grid-template-columns: 1fr;
}

.method-card {
    background: var(--pt-paper);
    border: 1px solid var(--pt-line);
    min-height: 220px;
    padding: 1.35rem;
}

.method-card p {
    color: var(--pt-muted);
    margin-bottom: 0;
}

.method-number {
    color: var(--pt-warm);
    display: block;
    font-weight: 800;
    margin-bottom: 2rem;
}

.image-band {
    background: var(--pt-paper);
    border-bottom: 1px solid var(--pt-line);
    border-top: 1px solid var(--pt-line);
    padding: clamp(2.5rem, 6vw, 5rem) 0;
}

.editorial-image {
    aspect-ratio: 1000 / 666;
    border: 1px solid var(--pt-line);
    border-radius: 4px;
    object-fit: cover;
    width: 100%;
}

.content-narrow {
    max-width: 820px;
}

.page-hero .content-narrow {
    max-width: 980px;
}

.content-grid {
    display: grid;
    gap: 2rem;
    grid-template-columns: minmax(0, 1fr);
}

.notice-box,
.disclosure-box,
.check-panel {
    background: var(--pt-paper);
    border: 1px solid var(--pt-line);
    padding: 1.25rem;
}

.notice-box p,
.disclosure-box p {
    color: var(--pt-muted);
}

.topic-list {
    display: flex;
    flex-wrap: wrap;
    gap: .6rem;
}

.topic-list a,
.topic-list span {
    background: var(--pt-paper);
    border: 1px solid var(--pt-line);
    border-radius: 4px;
    color: var(--pt-ink);
    font-size: .95rem;
    font-weight: 650;
    padding: .55rem .75rem;
    text-decoration: none;
}

.topic-list a:hover {
    border-color: var(--pt-accent);
    color: var(--pt-accent-dark);
}

.guide-clusters {
    display: grid;
    gap: 1rem;
}

.guide-cluster {
    border-top: 1px solid var(--pt-line);
    padding-top: 1rem;
}

.guide-cluster h3 {
    font-size: 1rem;
    margin-bottom: .7rem;
}

.article-page {
    padding: clamp(1.6rem, 4vw, 3.4rem) 0 clamp(3rem, 7vw, 6rem);
}

.article-layout {
    display: grid;
    gap: clamp(1rem, 3vw, 2rem);
    grid-template-columns: minmax(0, 1fr);
    max-width: 1180px;
}

.article-body {
    background: var(--pt-paper);
    border: 1px solid var(--pt-line);
    border-radius: 6px;
    max-width: 820px;
    padding: clamp(1.25rem, 4vw, 2.35rem);
}

.article-body p,
.article-body li {
    color: var(--pt-muted);
    font-size: 1.02rem;
    line-height: 1.78;
}

.article-body p {
    margin-bottom: 1rem;
}

.article-body h2 {
    font-size: clamp(1.45rem, 2.25vw, 2.05rem);
    margin-top: 2.1rem;
    padding-top: .25rem;
}

.article-body h2:first-child {
    margin-top: 0;
}

.answer-box {
    background: var(--pt-bg-soft);
    border: 1px solid #ccd8cf;
    border-left: 5px solid var(--pt-accent);
    border-radius: 4px;
    margin: 0 0 1.6rem;
    padding: 1rem 1.1rem;
}

.answer-box p {
    margin: 0;
}

.article-image {
    margin: 0 0 1.7rem;
}

.article-image .editorial-image {
    display: block;
}

.step-list {
    counter-reset: steps;
    display: grid;
    gap: .65rem;
    list-style: none;
    margin: 1rem 0 1.25rem;
    padding: 0;
}

.step-list li {
    background: #fbfcfa;
    border: 1px solid var(--pt-line);
    border-radius: 4px;
    counter-increment: steps;
    padding: 1rem 1rem 1rem 3.25rem;
    position: relative;
}

.step-list li::before {
    color: var(--pt-warm);
    content: counter(steps, decimal-leading-zero);
    font-weight: 800;
    left: 1rem;
    position: absolute;
    top: 1rem;
}

.guide-aside {
    align-self: start;
    background: #fbfcfa;
    border: 1px solid var(--pt-line);
    border-radius: 6px;
    padding: 1rem 1.05rem;
}

.guide-aside h2 {
    font-size: 1rem;
    margin-bottom: .6rem;
}

.guide-aside p {
    color: var(--pt-muted);
    margin-bottom: 0;
}

.guide-aside nav {
    display: grid;
    gap: .35rem;
}

.guide-aside a {
    border-bottom: 1px solid var(--pt-line);
    color: var(--pt-ink);
    font-size: .95rem;
    padding: .4rem 0;
    text-decoration: none;
}

.guide-aside a:last-child {
    border-bottom: 0;
}

.table-simple {
    border: 1px solid var(--pt-line);
    border-radius: 4px;
    border-collapse: separate;
    border-spacing: 0;
    margin: 1rem 0;
    width: 100%;
}

.table-simple th,
.table-simple td {
    border-bottom: 1px solid var(--pt-line);
    padding: .8rem;
    vertical-align: top;
}

.table-simple th {
    background: var(--pt-bg-soft);
    color: var(--pt-ink);
}

.faq-section .accordion {
    border-top: 1px solid var(--pt-line);
}

.accordion-item {
    background: transparent;
    border-color: var(--pt-line);
}

.accordion-button {
    background: transparent;
    color: var(--pt-ink);
    font-weight: 720;
}

.accordion-button:not(.collapsed) {
    background: var(--pt-paper);
    color: var(--pt-ink);
    box-shadow: none;
}

.site-footer {
    background: var(--pt-ink);
    color: #eef4ef;
    padding: 2rem 0;
}

.site-footer a {
    color: #fff;
}

.footer-grid {
    display: grid;
    gap: 1.25rem;
    grid-template-columns: 1fr;
}

.footer-grid p,
.footer-grid span {
    color: #c9d4ce;
    display: block;
    margin: .35rem 0 0;
}

.breadcrumb {
    --bs-breadcrumb-divider-color: var(--pt-muted);
    --bs-breadcrumb-item-active-color: var(--pt-muted);
    font-size: .88rem;
    margin-bottom: clamp(1.15rem, 3vw, 2rem);
}

.loan-hero {
    padding-bottom: 2rem;
}

.loan-heading {
    margin-top: 2rem;
}

.loan-list {
    display: grid;
    gap: 1rem;
}

.loan-card {
    background: var(--pt-paper);
    border: 1px solid var(--pt-line);
    border-radius: 6px;
    display: grid;
    gap: 1rem;
    padding: 1rem;
}

.loan-brand {
    align-items: center;
    display: flex;
    gap: 1rem;
    margin-bottom: 1rem;
}

.loan-brand img {
    height: auto;
    max-height: 54px;
    max-width: 130px;
    object-fit: contain;
}

.loan-brand h3 {
    margin: 0;
}

.loan-brand p {
    color: var(--pt-muted);
    font-size: .9rem;
    margin: .1rem 0 0;
}

.loan-facts {
    display: grid;
    gap: 1px;
    grid-template-columns: 1fr;
    margin: 0 0 1rem;
}

.loan-facts div {
    background: #fbfcfa;
    padding: .8rem;
}

.loan-facts dt {
    color: var(--pt-muted);
    font-size: .78rem;
    font-weight: 800;
    margin-bottom: .15rem;
    text-transform: uppercase;
}

.loan-facts dd {
    font-weight: 750;
    margin: 0;
}

.loan-example {
    border-left: 4px solid var(--pt-blue);
    color: var(--pt-muted);
    font-size: .92rem;
    margin: 0;
    padding-left: .85rem;
}

.loan-example.muted {
    border-left-color: var(--pt-warm);
}

.loan-card-action {
    align-self: center;
}

.loan-card-action .btn {
    width: 100%;
}

.muted-section {
    background: var(--pt-paper);
    border-bottom: 1px solid var(--pt-line);
    border-top: 1px solid var(--pt-line);
}

.check-panel ul {
    margin-bottom: 0;
    padding-left: 1.1rem;
}

.check-panel li + li {
    margin-top: .45rem;
}

@media (max-width: 575.98px) {
    .navbar {
        min-height: 66px;
    }

    .navbar-brand img {
        max-width: 154px;
    }

    h1 {
        font-size: clamp(2rem, 12vw, 3.1rem);
    }

    .page-hero {
        padding-top: 1.6rem;
    }

    .article-body {
        border-left: 0;
        border-radius: 0;
        border-right: 0;
        margin-left: calc(var(--bs-gutter-x) * -.5);
        margin-right: calc(var(--bs-gutter-x) * -.5);
    }
}

@media (min-width: 768px) {
    .hero-grid,
    .section-heading,
    .footer-grid {
        grid-template-columns: minmax(0, 1fr) minmax(240px, .42fr);
    }

    .method-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .loan-card {
        grid-template-columns: minmax(0, 1fr) 240px;
        padding: 1.25rem;
    }

    .loan-facts {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 992px) {
    .method-grid {
        grid-template-columns: repeat(5, 1fr);
    }

    .content-grid {
        grid-template-columns: minmax(0, 1fr) 330px;
    }

    .article-layout {
        align-items: start;
        grid-template-columns: minmax(0, 820px) 270px;
        justify-content: center;
    }

    .guide-aside {
        position: sticky;
        top: 104px;
    }

    .loan-facts {
        grid-template-columns: repeat(4, 1fr);
    }
}

.check-list {
    display: grid;
    gap: .55rem;
    margin: 1rem 0 1.25rem;
    padding-left: 1.25rem;
}

.check-list li {
    padding-left: .2rem;
}

.mini-faq {
    display: grid;
    gap: .7rem;
    margin: 1rem 0 1.25rem;
}

.mini-faq details {
    background: #fbfcfa;
    border: 1px solid var(--pt-line);
    border-radius: 4px;
    padding: .85rem 1rem;
}

.mini-faq summary {
    color: var(--pt-ink);
    cursor: pointer;
    font-weight: 750;
}

.mini-faq p {
    margin: .65rem 0 0;
}


.resource-list {
    background: #fbfcfa;
    border: 1px solid var(--pt-line);
    display: grid;
    gap: .72rem;
    list-style: none;
    margin: .85rem 0 1.75rem;
    padding: 1rem 1.1rem;
}

.resource-list li {
    color: var(--pt-muted);
    padding-left: 1.05rem;
    position: relative;
}

.resource-list li::before {
    background: var(--pt-warm);
    content: "";
    height: .36rem;
    left: 0;
    position: absolute;
    top: .72rem;
    width: .36rem;
}

.resource-list a {
    font-weight: 760;
}