*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--slate:#2c3e50;--slate-dk:#1a252f;--slate-deep:#0f171e;--red:#c0392b;--red-dk:#a93226;--red-hover:#e74c3c;--grn:#27ae60;--grn-lt:#2ecc71;--wht:#ffffff;--g50:#f7f8f9;--g100:#ecf0f1;--g200:#d5dbdb;--g300:#bdc3c7;--g500:#95a5a6;--g700:#7f8c8d;--txt:#2c3e50;--txt-m:#5d6d7e;--bdr:#d5dbdb;--shadow:0 2px 8px rgba(0,0,0,.06);--shadow-lg:0 4px 16px rgba(0,0,0,.1)}
body{font-family:'Source Sans 3',-apple-system,system-ui,sans-serif;background:var(--g50);color:var(--txt);line-height:1.75;-webkit-font-smoothing:antialiased}
a{color:var(--red);text-decoration:none}a:hover{color:var(--red-hover)}

/* NAV */
.nav{background:var(--wht);border-bottom:1px solid var(--bdr);padding:0 2rem;display:flex;align-items:center;justify-content:space-between;height:64px;position:sticky;top:0;z-index:100;box-shadow:var(--shadow)}
.nav-logo{font-size:1.15rem;font-weight:800;color:var(--slate);text-decoration:none;letter-spacing:-.02em}
.nav-logo span{color:var(--red)}
.nav-links{display:flex;gap:1.75rem;list-style:none;align-items:center}
.nav-links a{font-size:.85rem;font-weight:500;color:var(--txt-m);text-decoration:none;transition:.2s}
.nav-links a:hover{color:var(--red)}
@media(max-width:768px){.nav-links{display:none}.nav{padding:0 1rem}}
.nav-cta{background:var(--red);color:var(--wht) !important;padding:.5rem 1.25rem;border-radius:4px;font-size:.82rem;font-weight:700;text-decoration:none;transition:.2s}
.nav-cta:hover{background:var(--red-hover);color:var(--wht) !important}

/* HERO (homepage) */
.hero{background:linear-gradient(135deg,var(--slate-deep) 0%,var(--slate-dk) 50%,var(--slate) 100%);color:var(--wht);padding:5rem 2rem;text-align:center}
.hero h1{font-size:clamp(2rem,5vw,3.2rem);font-weight:800;line-height:1.15;margin-bottom:1rem;letter-spacing:-.02em}
.hero h1 em{font-style:normal;color:var(--red-hover)}
.hero p{font-size:1.1rem;color:var(--g300);max-width:600px;margin:0 auto 2rem}
.hero-cta{display:inline-block;background:var(--red);color:var(--wht);padding:.75rem 2rem;border-radius:4px;font-size:1rem;font-weight:700;text-decoration:none;margin:.25rem;transition:.2s}
.hero-cta:hover{background:var(--red-hover)}
.hero-cta-secondary{background:transparent;border:2px solid rgba(255,255,255,.3);color:var(--wht)}
.hero-cta-secondary:hover{border-color:var(--wht);background:rgba(255,255,255,.05)}

/* TRUST BAR */
.trust-bar{background:var(--wht);border-bottom:1px solid var(--bdr);padding:1rem 2rem;display:flex;justify-content:center;gap:2.5rem;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:.5rem;font-size:.82rem;color:var(--txt-m);font-weight:500}
.trust-check{color:var(--grn);font-weight:800;font-size:1rem}

/* ARTICLE LAYOUT */
.article-hero{background:linear-gradient(135deg,var(--slate-deep),var(--slate));color:var(--wht);padding:3.5rem 2rem 3rem;text-align:center}
.article-tag{font-size:.7rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--red-hover);margin-bottom:.75rem;display:inline-block;background:rgba(192,57,43,.15);padding:.25rem .75rem;border-radius:3px}
.article-hero h1{font-size:clamp(1.8rem,4vw,2.6rem);font-weight:800;line-height:1.2;margin-bottom:1rem;max-width:800px;margin-left:auto;margin-right:auto}
.article-meta{font-size:.78rem;color:var(--g500);display:flex;gap:1.5rem;justify-content:center;flex-wrap:wrap}
.article-body{max-width:780px;margin:0 auto;padding:2.5rem 2rem 4rem}
.article-body h2{font-size:1.5rem;font-weight:800;margin:2.5rem 0 1rem;padding-bottom:.5rem;border-bottom:2px solid var(--bdr);color:var(--slate)}
.article-body p{margin-bottom:1.25rem;font-size:.95rem;color:var(--txt)}
.article-body ul{margin:0 0 1.25rem 1.5rem}.article-body li{margin-bottom:.5rem;font-size:.95rem}
.article-intro{font-size:1rem;border-left:3px solid var(--red);padding-left:1.5rem;margin-bottom:2.5rem;color:var(--txt);background:var(--wht);padding:1.5rem;border-radius:0 6px 6px 0;box-shadow:var(--shadow)}

/* CARD BLOCKS */
.card-block{background:var(--wht);border:1px solid var(--bdr);border-radius:8px;overflow:hidden;margin:2rem 0;box-shadow:var(--shadow)}
.card-header{background:var(--slate);color:var(--wht);padding:1rem 1.5rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.5rem}
.card-name{font-size:1.05rem;font-weight:800}
.card-badge{font-size:.62rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:.2rem .6rem;border-radius:3px}
.badge-best{background:var(--red);color:var(--wht)}
.badge-good{background:rgba(39,174,96,.2);color:var(--grn-lt)}
.card-body{padding:1.5rem}
.card-stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:.75rem;margin-bottom:1.25rem}
.stat{text-align:center;background:var(--g50);border:1px solid var(--bdr);border-radius:4px;padding:.75rem}
.stat-label{font-size:.62rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--txt-m);display:block;margin-bottom:.2rem}
.stat-val{font-size:.95rem;font-weight:800;color:var(--slate)}
.card-body>p{font-size:.9rem;margin-bottom:.75rem;color:var(--txt)}
.card-pros{list-style:none;margin:0 0 .75rem}
.card-pros li{color:var(--txt);font-size:.85rem;margin-bottom:.35rem;padding-left:1.25rem;position:relative}
.card-pros li::before{content:'✓';position:absolute;left:0;color:var(--grn);font-weight:800}
.card-link{display:inline-block;margin-top:.75rem;background:var(--red);color:var(--wht) !important;padding:.55rem 1.25rem;border-radius:4px;font-size:.82rem;font-weight:700;text-decoration:none;transition:.2s}
.card-link:hover{background:var(--red-hover)}

/* CTA BLOCKS */
.cta-block{background:linear-gradient(135deg,var(--slate-deep),var(--slate));color:var(--wht);padding:2.5rem;border-radius:8px;margin:2.5rem 0;text-align:center}
.cta-block h3{font-size:1.3rem;font-weight:800;margin-bottom:.5rem}
.cta-block p{color:var(--g300);font-size:.9rem;margin-bottom:1.25rem}
.cta-btn{display:inline-block;background:var(--red);color:var(--wht) !important;padding:.65rem 1.75rem;border-radius:4px;font-weight:700;text-decoration:none;font-size:.88rem;transition:.2s}
.cta-btn:hover{background:var(--red-hover)}

/* CREDIT CHECK CTA - placed high */
.credit-check-bar{background:var(--slate);padding:1rem 2rem;display:flex;align-items:center;justify-content:center;gap:1rem;flex-wrap:wrap}
.credit-check-bar p{color:var(--g300);font-size:.85rem;margin:0}
.credit-check-bar .cta-btn{padding:.45rem 1.25rem;font-size:.8rem}

/* CALLOUT */
.callout{background:var(--wht);border:1px solid var(--bdr);border-left:4px solid var(--grn);padding:1.25rem 1.5rem;border-radius:0 6px 6px 0;margin:2rem 0;font-size:.92rem;box-shadow:var(--shadow)}
.callout-label{font-size:.65rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--grn);margin-bottom:.5rem;display:block}
.callout.warning{border-left-color:var(--red)}.callout.warning .callout-label{color:var(--red)}
.callout.compare{border-left-color:var(--red);background:var(--g50)}
.callout.compare .callout-label{color:var(--red)}

/* RELATED */
.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:2rem 0}
@media(max-width:600px){.related-grid{grid-template-columns:1fr}}
.related-card{color:var(--slate);text-decoration:none;font-size:.85rem;padding:.75rem 1rem;background:var(--wht);border-radius:6px;border:1px solid var(--bdr);display:block;transition:.2s;font-weight:500}
.related-card:hover{border-color:var(--red);color:var(--red);box-shadow:var(--shadow)}

/* DISCLAIMER */
.disclaimer{font-size:.75rem;color:var(--txt-m);border-top:1px solid var(--bdr);padding-top:1.5rem;margin-top:2rem}

/* FOOTER */
footer{background:var(--slate-deep);color:var(--g500);padding:2.5rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:1.5rem;font-size:.78rem}
.footer-logo{font-weight:800;color:var(--wht);text-decoration:none;font-size:1rem}
.footer-logo span{color:var(--red)}
.footer-links{display:flex;gap:1.25rem;list-style:none;flex-wrap:wrap}
.footer-links a{color:var(--g500);text-decoration:none;font-size:.78rem;transition:.2s}
.footer-links a:hover{color:var(--wht)}

/* SECTIONS (homepage) */
.section{padding:4rem 2rem;max-width:1000px;margin:0 auto}
.section-eyebrow{font-size:.7rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--red);margin-bottom:.75rem}
.section-title{font-size:clamp(1.5rem,3vw,2rem);font-weight:800;margin-bottom:.75rem;color:var(--slate)}
.section-sub{font-size:1rem;color:var(--txt-m);max-width:600px;margin-bottom:2rem}

/* STEPS */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:1.5rem}
.step{background:var(--wht);border:1px solid var(--bdr);border-radius:8px;padding:1.5rem;box-shadow:var(--shadow)}
.step-num{font-size:2rem;font-weight:800;color:var(--red);margin-bottom:.5rem}
.step h3{font-size:1rem;font-weight:700;margin-bottom:.5rem}
.step p{font-size:.85rem;color:var(--txt-m)}

/* ARTICLE CARDS (homepage) */
.articles-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1.25rem}
.article-card{background:var(--wht);border:1px solid var(--bdr);border-radius:8px;padding:1.5rem;text-decoration:none;color:var(--txt);transition:.2s;box-shadow:var(--shadow)}
.article-card:hover{border-color:var(--red);box-shadow:var(--shadow-lg);transform:translateY(-2px)}
.article-card .article-tag{font-size:.62rem;margin-bottom:.5rem}
.article-card h3{font-size:.95rem;font-weight:700;margin-bottom:.5rem;color:var(--slate);line-height:1.3}
.article-card p{font-size:.82rem;color:var(--txt-m);margin-bottom:.5rem}
.article-card .article-meta{font-size:.72rem;color:var(--g500);display:block}

/* SCORE VIZ (homepage) */
.score-card{background:var(--wht);border-radius:12px;padding:2rem;box-shadow:var(--shadow-lg);max-width:400px;margin:2rem auto}
.score-num{font-size:3.5rem;font-weight:800;color:var(--grn);text-align:center}
.score-bar{height:8px;background:var(--g200);border-radius:4px;margin:1rem 0;position:relative;overflow:hidden}
.score-fill{height:100%;background:linear-gradient(90deg,var(--red),#f39c12,var(--grn));border-radius:4px;width:65%}
.score-labels{display:flex;justify-content:space-between;font-size:.7rem;color:var(--txt-m);font-weight:600}
.score-steps{margin-top:1.5rem}
.score-step{display:flex;align-items:flex-start;gap:.75rem;margin-bottom:.75rem;font-size:.82rem}
.score-step .check{color:var(--grn);font-weight:800;flex-shrink:0}
.score-step .pending{color:var(--g500);flex-shrink:0}

/* TABLE */
table.compare{width:100%;border-collapse:collapse;margin:1.5rem 0;font-size:.85rem}
table.compare th{background:var(--slate);color:var(--wht);padding:.75rem 1rem;text-align:left;font-size:.72rem;letter-spacing:.05em;text-transform:uppercase}
table.compare td{padding:.75rem 1rem;border-bottom:1px solid var(--bdr)}
table.compare tr:hover td{background:var(--g50)}

/* AUTHOR BIO */
.author-bio{display:flex;gap:1.25rem;align-items:flex-start;background:var(--wht);border:1px solid var(--bdr);border-radius:8px;padding:1.5rem;margin:2.5rem 0;box-shadow:var(--shadow)}
.author-avatar{width:48px;height:48px;background:var(--slate);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--wht);font-weight:800;font-size:1.1rem;flex-shrink:0}
.author-info h4{font-size:.9rem;font-weight:700;margin-bottom:.25rem;color:var(--slate)}
.author-info p{font-size:.8rem;color:var(--txt-m);line-height:1.5}

/* LOAN CARDS */
.loan-card{background:var(--card);border:1px solid var(--border);border-radius:8px;overflow:hidden;margin:2rem 0;box-shadow:var(--shadow)}
.loan-header{background:var(--slate);color:var(--wht);padding:1rem 1.5rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.5rem}
.loan-name{font-size:1.05rem;font-weight:800}
.loan-badge{font-size:.62rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:.2rem .6rem;border-radius:3px}
.loan-stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:0;border-bottom:1px solid var(--border)}
.loan-stats>div{text-align:center;padding:.75rem;border-right:1px solid var(--border)}
.loan-stats>div:last-child{border-right:none}
.loan-stat-label{font-size:.62rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--txt-m);display:block;margin-bottom:.2rem}
.loan-stat-val{font-size:.95rem;font-weight:800;color:var(--slate)}
.loan-body{padding:1.5rem}
.loan-body>p{font-size:.9rem;margin-bottom:.75rem;color:var(--txt)}
.loan-pros{list-style:none;margin:0 0 .75rem}
.loan-pros li{color:var(--txt);font-size:.85rem;margin-bottom:.35rem;padding-left:1.25rem;position:relative}
.loan-pros li::before{content:'✓';position:absolute;left:0;color:var(--grn);font-weight:800}
.loan-link{display:inline-block;margin-top:.75rem;background:var(--red);color:var(--wht) !important;padding:.55rem 1.25rem;border-radius:4px;font-size:.82rem;font-weight:700;text-decoration:none;transition:.2s}
.loan-link:hover{background:var(--red-hover)}