:root{--ink:#111;--muted:#555;--line:#e5e5e5;--soft:#f5f5f7;--gold:#8a6d3b;--gold-l:#b08d57;--w:1200px;
--sans:-apple-system,BlinkMacSystemFont,"SF Pro Text","Helvetica Neue",Helvetica,Arial,sans-serif;--serif:Didot,"Bodoni 72","Playfair Display",Georgia,"Times New Roman",serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:17px/1.65 var(--sans);color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
a{color:var(--ink);text-underline-offset:3px}a:hover{color:var(--gold)}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.5rem 1rem;z-index:9}
.w{max-width:var(--w);margin:0 auto;padding:0 2rem}
header{border-bottom:1px solid var(--line);background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(12px);position:sticky;top:0;z-index:5}
header .w{display:flex;align-items:center;justify-content:space-between;height:64px;gap:1rem}
header img{height:30px;display:block}nav a{margin-left:1.8rem;font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;text-decoration:none}
.eyebrow{font-size:.72rem;letter-spacing:.28em;text-transform:uppercase;color:var(--gold);margin:0 0 1rem}
.hero{padding:7rem 0 5rem;text-align:center}.hero h1{font:600 clamp(2.4rem,6vw,4.6rem)/1.05 var(--sans);letter-spacing:-.025em;margin:0 auto 1.4rem;max-width:16ch}
.hero p.lead{font-size:1.3rem;color:var(--muted);max-width:40ch;margin:0 auto 2rem}
.btn{display:inline-block;border:1px solid var(--ink);padding:.9rem 2rem;font-size:.72rem;letter-spacing:.22em;text-transform:uppercase;text-decoration:none;background:var(--ink);color:#fff}
.btn:hover{background:#fff;color:var(--ink)}
.serif{font-family:var(--serif);font-weight:400;font-style:italic}
h2{font:600 clamp(1.8rem,3.5vw,2.6rem)/1.15 var(--sans);letter-spacing:-.02em;margin:4.5rem 0 1rem}
h3{font:400 1.6rem/1.2 var(--serif);margin:0 0 .6rem}
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.2rem;margin-top:2rem}
.tile{background:var(--soft);padding:3rem 2.2rem;min-height:300px;display:flex;flex-direction:column;justify-content:space-between;text-decoration:none;transition:transform .5s}
.tile.dark{background:var(--ink);color:#fff}.tile.dark .eyebrow{color:var(--gold-l)}.tile:hover{transform:translateY(-4px);color:inherit}.tile .more{font-size:.72rem;letter-spacing:.22em;text-transform:uppercase}
.notice{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:1.4rem 0;font-size:.9rem;color:var(--muted);margin:3rem 0}
.notice strong{color:var(--ink);letter-spacing:.14em;text-transform:uppercase;font-size:.72rem;display:block;margin-bottom:.3rem}
.layout{display:grid;grid-template-columns:minmax(0,1fr);gap:4rem;padding-bottom:4rem}.layout aside{display:none}
@media(min-width:1080px){.layout.has-side{grid-template-columns:minmax(0,1fr) 300px}.layout aside{display:block;padding-top:3rem}}
table{border-collapse:collapse;width:100%;font-size:.95rem}th{font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;font-weight:500;color:var(--muted)}
td,th{border-bottom:1px solid var(--line);padding:1rem .6rem 1rem 0;text-align:left;vertical-align:top}
.calc{background:var(--soft);padding:2.5rem;margin:3rem 0 0}
.calc form{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:1.4rem}
label{font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;color:#333;display:block}
input{width:100%;padding:.8rem 0;font:1.25rem var(--sans);border:0;border-bottom:1px solid #888;background:transparent;margin-top:.3rem;color:var(--ink)}
input:focus{border-bottom-color:var(--gold);outline:none;box-shadow:0 1px 0 var(--gold)}
.out{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:1px;background:var(--line);margin-top:2.2rem}.out div{background:#fff;padding:1.3rem;font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted)}
.out b{display:block;font:400 1.9rem/1.2 var(--serif);letter-spacing:0;text-transform:none;color:var(--ink);margin-top:.4rem}
details{margin-top:2rem}summary{cursor:pointer;font-size:.72rem;letter-spacing:.2em;text-transform:uppercase}
.small{font-size:.85rem;color:var(--muted)}
footer{background:var(--ink);color:#bbb;font-size:.85rem;padding:3.5rem 0}footer a{color:#fff}footer .w{display:flex;flex-wrap:wrap;justify-content:space-between;gap:1rem}
footer .mark{font-family:var(--serif);letter-spacing:.3em;color:#fff}
.reveal{opacity:0;transform:translateY(24px);transition:opacity .9s ease,transform .9s ease}.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal{opacity:1;transform:none;transition:none}.tile{transition:none}}
/* Ad slots: labelled, neutral, reserved height (no CLS), static (never sticky on mobile). */
.ad-slot{margin:4rem 0;padding:.6rem 0 0;border-top:1px solid var(--line);min-height:290px}
.ad-label{display:block;font-size:.65rem;letter-spacing:.2em;text-transform:uppercase;color:#666;margin-bottom:.5rem}
.ad-ph{display:flex;align-items:center;justify-content:center;min-height:250px;background:repeating-linear-gradient(45deg,#fafafa 0 10px,#f2f2f2 10px 20px);color:#777;font-size:.8rem}
aside .ad-slot{margin:0;position:sticky;top:96px;min-height:630px}aside .ad-ph{min-height:600px}
@media(max-width:700px){.w{padding:0 1.25rem}nav{display:none}.hero{padding:4.5rem 0 3rem}.calc{padding:1.5rem}.ad-slot{min-height:290px}}
/* v3 responsive */
html,body{overflow-x:clip}img,svg{max-width:100%;height:auto}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
header img{height:auto;width:clamp(130px,30vw,163px)}
nav a{display:inline-flex;align-items:center;min-height:44px}
.menu-btn{display:none;width:44px;height:44px;border:0;background:none;padding:0;cursor:pointer;color:var(--ink)}
.bars,.bars::before,.bars::after{display:block;width:22px;height:1.5px;background:currentColor;margin:0 auto;position:relative;transition:transform .25s}
.bars::before,.bars::after{content:"";position:absolute;left:0}.bars::before{top:-7px}.bars::after{top:7px}
.menu-btn[aria-expanded=true] .bars{background:transparent}.menu-btn[aria-expanded=true] .bars::before{transform:translateY(7px) rotate(45deg)}.menu-btn[aria-expanded=true] .bars::after{transform:translateY(-7px) rotate(-45deg)}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}.table-scroll table{min-width:520px}
input{font-size:max(16px,1.25rem);min-height:44px}summary{min-height:44px;display:flex;align-items:center}
footer a{display:inline-block;padding:12px 0}.btn{min-height:44px}
.hero h1{font-size:clamp(2.1rem,7vw,4.6rem)}h2{font-size:clamp(1.6rem,4vw,2.6rem)}
@media(max-width:900px){
 .menu-btn{display:block}
 nav{display:block;position:absolute;left:0;right:0;top:64px;background:#fff;border-bottom:1px solid var(--line);padding:.5rem 1.25rem 1rem;visibility:hidden;opacity:0;transform:translateY(-8px);transition:opacity .2s,transform .2s,visibility .2s}
 nav.open{visibility:visible;opacity:1;transform:none}nav a{display:flex;margin:0;border-bottom:1px solid var(--line);font-size:.8rem}
 header .w{position:relative}}
@media(max-width:700px){.out b{font-size:1.5rem}.tile{min-height:240px;padding:2.2rem 1.5rem}footer .w{flex-direction:column}}
@media(prefers-reduced-motion:reduce){nav,.bars,.bars::before,.bars::after{transition:none}}
header .w>a{display:inline-flex;align-items:center;min-height:44px}
/* v4 lender directory */
.btn.ghost{background:#fff;color:var(--ink)}.btn.ghost:hover{background:var(--ink);color:#fff}.hero .btn{margin:.3rem}
.more-link{font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;text-decoration:none;color:var(--gold)}
.lfilter{display:grid;grid-template-columns:2fr 1fr 1fr;gap:1.4rem;margin-top:1rem;padding:2rem;background:var(--soft)}
select{width:100%;min-height:44px;padding:.6rem 0;font:max(16px,1.05rem) var(--sans);border:0;border-bottom:1px solid #888;background:transparent;color:var(--ink);margin-top:.3rem;border-radius:0}
select:focus{outline:none;border-bottom-color:var(--gold);box-shadow:0 1px 0 var(--gold)}
.lcount{font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;color:var(--muted);margin:2rem 0 1rem}
.lgrid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
.lcard{background:#fff;padding:1.6rem;display:flex;gap:1.1rem;align-items:flex-start;min-width:0}.lcard[hidden]{display:none}
.ltile{flex:0 0 64px;height:64px;background:var(--soft);display:flex;align-items:center;justify-content:center;border:1px solid var(--line)}
.ltile img{width:40px;height:40px;object-fit:contain}
.mono{font:400 1.4rem var(--serif);color:var(--gold);letter-spacing:.04em}
.lbody{min-width:0;flex:1}.lbody h3{font-size:1.25rem;margin:0 0 .2rem;overflow-wrap:anywhere}
.ltier{font-size:.66rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin:0 0 .7rem}
.tags{list-style:none;padding:0;margin:0 0 .9rem;display:flex;flex-wrap:wrap;gap:.35rem}.tags li{font-size:.72rem;border:1px solid var(--line);padding:.15rem .5rem;color:#333}
.lext{font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;text-decoration:none;display:inline-flex;align-items:center;min-height:44px}
.lnone{padding:2rem 0;color:var(--muted)}
@media(max-width:700px){.lfilter{grid-template-columns:1fr 1fr;padding:1.25rem}.lfilter>div:first-child{grid-column:1/-1}.lgrid{grid-template-columns:1fr}.lcard{padding:1.25rem}}
@media(max-width:400px){.lfilter{grid-template-columns:1fr}}