/* LoanUSALife - heartland morning: denim sky, wheat gold, cream paper. Windmill motif, horizon rules, 12px radii. */
:root{
  --bg:#F8F6F0;--card:#FFFFFF;--ink:#182533;--text:#2B3A4A;--muted:#5C6B7A;
  --accent:#E0A33A;--accent-deep:#8C5E0E;--accent-tint:#F3E4C4;--sky:#E4EEF6;--sky-deep:#CFE0EE;--line:#DDE3E8;
  --den:#2F74A3;--den-deep:#235A80;--foot-bg:#10202C;--foot-text:#D5DEE6;--foot-link:#F0C572;--dim:#AEBAC6;
  --fd:"Cabin",system-ui,sans-serif;--fb:"Merriweather Sans",system-ui,sans-serif;--r:12px;--wrap:1120px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--fb);font-size:17px;line-height:1.6;overflow-x:hidden}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--den-deep)}
h1,h2,h3{font-family:var(--fd);color:var(--ink);line-height:1.15;margin:0;font-weight:600;text-wrap:balance}
p,ul,ol{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:8px 12px;z-index:60;border-radius:var(--r)}
.skip:focus{left:8px;top:8px}
.kick{font-family:var(--fd);font-weight:600;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--den);display:inline-flex;align-items:center;gap:10px}
.kick::before{content:"";width:26px;height:2px;background:var(--accent);border-radius:2px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--fd);font-weight:600;font-size:16px;padding:14px 26px;border-radius:999px;border:2px solid transparent;text-decoration:none;cursor:pointer;transition:background .2s cubic-bezier(.22,1,.36,1),transform .2s cubic-bezier(.22,1,.36,1)}
.btn:active{transform:translateY(1px)}
.btn:focus-visible{outline:3px solid var(--den);outline-offset:2px}
.btn-primary{background:var(--accent);color:#182533;border-color:var(--accent)}
.btn-primary:hover{background:#EBB558;border-color:#EBB558}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--sky)}

/* mast: transparent over the hero photo, solid cream bar on subpages */
.mast{position:absolute;top:0;left:0;right:0;z-index:5}
.sub .mast{position:static;background:var(--bg);border-bottom:1px solid var(--line)}
.mast-in{display:flex;align-items:center;gap:28px;height:74px;position:relative}
.brand{text-decoration:none;display:inline-flex;align-items:center;gap:10px}
.brand .mark{width:30px;height:30px;flex:0 0 30px}
.wm{font-family:var(--fd);font-weight:700;font-size:22px;letter-spacing:-.01em;color:var(--ink)}
.wm b{font-weight:700;color:var(--den)}
.nav{display:flex;align-items:center;gap:28px;margin-left:auto}
.nav a{font-family:var(--fd);font-weight:500;font-size:15px;color:var(--ink);text-decoration:none;padding:6px 0;position:relative}
.nav a::after{content:"";position:absolute;left:0;right:100%;bottom:0;height:2px;background:var(--accent);transition:right .3s cubic-bezier(.22,1,.36,1)}
.nav a:hover::after,.nav a:focus-visible::after{right:0}
.nb{display:none;width:44px;height:44px;border:1px solid var(--line);background:var(--card);border-radius:10px;flex-direction:column;justify-content:center;align-items:center;gap:5px;cursor:pointer;padding:0;margin-left:auto}
.nb span{display:block;width:18px;height:2px;background:var(--ink);border-radius:2px;transition:transform .3s cubic-bezier(.22,1,.36,1),opacity .3s}
.nb[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nb[aria-expanded="true"] span:nth-child(2){opacity:0}
.nb[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media(max-width:860px){
  .nav{display:none;position:fixed;top:0;right:0;bottom:0;width:min(320px,84vw);background:var(--card);border-left:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:90px 0 20px;box-shadow:-24px 0 60px rgba(24,37,51,.18);margin:0;z-index:4}
  .nav.open{display:flex}
  .nav a{padding:14px 24px;border-top:1px solid var(--line);font-size:17px}
  .nav a::after{display:none}
  .nb{display:inline-flex;position:relative;z-index:6}
}

/* hero: one centred column, card first, big sky */
.hero{position:relative;padding:120px 0 70px;overflow:hidden;background:var(--sky-deep)}
.hero-bg{position:absolute;inset:0;margin:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center 40%}
.hero-veil{position:absolute;inset:0;background:linear-gradient(180deg,rgba(248,246,240,.12) 0%,rgba(248,246,240,.46) 30%,rgba(248,246,240,.84) 66%,#F8F6F0 100%)}
.hero-in{position:relative;z-index:1;text-align:center}
.eyebrow{display:inline-flex;align-items:center;gap:14px;font-family:var(--fd);font-weight:600;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink);margin-bottom:18px}
.eyebrow::before,.eyebrow::after{content:"";width:34px;height:2px;background:var(--accent);border-radius:2px}
.form-card{background:var(--card);border-radius:var(--r);box-shadow:0 30px 70px -20px rgba(24,37,51,.35),0 2px 6px rgba(24,37,51,.06);padding:22px 24px 16px;width:100%;max-width:var(--card-max,560px);margin:0 auto;text-align:left}
.form-card__head{display:flex;align-items:flex-start;gap:14px}
.form-card__head svg{width:40px;height:40px;flex:0 0 40px;margin-top:2px}
.form-card__head h2{font-size:23px;letter-spacing:-.01em;line-height:1.2}
.form-card__head p{color:var(--muted);font-size:14.5px;margin-top:4px}
.form-host{margin-top:14px}
.form-card__trust{margin:14px -8px 0;padding:9px 14px;background:var(--accent-tint);border-radius:999px;font-size:12.5px;color:#3E4A56;text-align:center;line-height:1.45}
:root{--card-max:780px;--cta-text:#182533}#_lg_form_{width:100%}.form-host{min-height:300px!important;text-align:left}
.ticks{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin:24px auto 0;padding:0;list-style:none;max-width:820px}
.ticks li{display:inline-flex;align-items:center;gap:8px;font-family:var(--fd);font-weight:500;font-size:14px;color:var(--ink);background:rgba(255,255,255,.62);border:1px solid rgba(255,255,255,.8);backdrop-filter:blur(6px);padding:8px 14px;border-radius:999px}
.ticks li i{width:9px;height:9px;border-radius:50%;background:var(--accent);flex:0 0 9px;box-shadow:0 0 0 3px rgba(224,163,58,.25)}
.hero h1{font-size:clamp(30px,4.6vw,50px);letter-spacing:-.018em;max-width:800px;margin:38px auto 0}
.hero .sub{max-width:640px;margin:14px auto 0;font-size:17px;color:var(--text);text-wrap:pretty}
@media(max-width:600px){
  .hero{padding:96px 0 50px}
  .form-card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none;padding:18px 16px 14px}
  .form-card__trust{margin:12px -4px 0;border-radius:14px}
  .ticks{gap:8px;margin-top:20px}
  .ticks li{font-size:13px;padding:7px 11px}
  .eyebrow{font-size:11px;letter-spacing:.1em;gap:10px}
  .eyebrow::before,.eyebrow::after{width:18px}
  .hero h1{margin-top:30px}
}
/* weeks: recognition strip on the sky tint, six kitchen-note cards */
.weeks{background:var(--sky);padding:84px 0;border-top:1px solid var(--sky-deep)}
.weeks h2{font-size:clamp(27px,3.5vw,40px);letter-spacing:-.014em;margin-top:12px;max-width:720px}
.notes{list-style:none;margin:32px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.notes li{background:var(--card);border-radius:var(--r);padding:22px 22px 20px;font-family:var(--fd);font-weight:500;font-size:19px;line-height:1.3;color:var(--ink);position:relative;box-shadow:0 10px 30px -18px rgba(24,37,51,.35);border-top:4px solid var(--accent)}
.notes li::after{content:"";position:absolute;right:16px;bottom:14px;width:22px;height:2px;background:var(--sky-deep);border-radius:2px}
.weeks-close{margin-top:30px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:18px 32px}
.weeks-close p{max-width:620px;font-size:16.5px;color:var(--text)}
@media(max-width:900px){.notes{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.weeks{padding:60px 0}.notes{grid-template-columns:1fr;gap:12px}.notes li{font-size:17.5px;padding:18px 18px 16px}}

/* band: wheat photo under a denim veil, the two-line tagline reveal */
.band{position:relative;overflow:hidden;background:var(--den-deep);color:#fff}
.band-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.band-veil{position:absolute;inset:0;background:linear-gradient(90deg,rgba(24,37,51,.92) 0%,rgba(35,90,128,.82) 55%,rgba(35,90,128,.42) 100%)}
.band-in{position:relative;z-index:1;padding:104px 0;max-width:640px}
.band .kick{color:var(--foot-link)}
.band h2{color:#fff;font-size:clamp(30px,4.2vw,48px);margin-top:14px;letter-spacing:-.016em}
.band h2 .w{display:inline-block;opacity:.3;transition:opacity .6s cubic-bezier(.22,1,.36,1)}
.band h2 .w.on{opacity:1}
.band p{margin-top:18px;font-size:17px;color:#E6EEF5;max-width:520px}
@media(prefers-reduced-motion:reduce){.band h2 .w{opacity:1;transition:none}}
@media(max-width:600px){.band-veil{background:linear-gradient(180deg,rgba(24,37,51,.9) 0%,rgba(35,90,128,.86) 100%)}.band-in{padding:66px 0}}

/* fence: three posts on one rail */
.fence{padding:92px 0 88px}
.sec-head{max-width:720px}
.sec-head h2{font-size:clamp(27px,3.5vw,40px);margin-top:12px;letter-spacing:-.014em}
.sec-head p{margin-top:12px;color:var(--muted);font-size:17px}
.rail{list-style:none;margin:44px 0 0;padding:34px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:28px;position:relative;counter-reset:post}
.rail::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:var(--accent);border-radius:2px}
.post{position:relative;padding-top:6px}
.post::before{counter-increment:post;content:"0" counter(post);position:absolute;top:-58px;left:0;width:48px;height:48px;border-radius:50%;background:var(--den);color:#fff;font-family:var(--fd);font-weight:700;font-size:15px;display:flex;align-items:center;justify-content:center;border:4px solid var(--bg);box-shadow:0 0 0 2px var(--accent)}
.post h3{font-size:22px;letter-spacing:-.01em}
.post p{margin-top:8px;color:var(--text);font-size:16.5px}
.post .out{display:inline-block;margin-top:14px;font-family:var(--fd);font-weight:600;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--den-deep);background:var(--sky);padding:6px 12px;border-radius:999px}
@media(max-width:760px){.fence{padding:64px 0 60px}.rail{grid-template-columns:1fr;gap:44px;padding-top:0;margin-top:30px;padding-left:66px}.rail::before{left:22px;right:auto;top:0;bottom:0;width:4px;height:auto}.post::before{top:-4px;left:-66px}}

/* sky: why band on ink with the windmill artwork */
.sky{background:var(--ink);color:var(--foot-text);padding:92px 0;overflow:hidden}
.sky-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.sky .kick{color:var(--foot-link)}
.sky h2{color:#fff;font-size:clamp(27px,3.5vw,40px);margin-top:12px;letter-spacing:-.014em}
.sky-lead{margin-top:14px;color:var(--dim);font-size:16.5px}
.trio{list-style:none;margin:28px 0 0;padding:0;display:grid;gap:16px}
.trio li{display:grid;grid-template-columns:44px 1fr;gap:14px;padding:18px 18px 18px 16px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:var(--r)}
.trio svg{width:44px;height:44px}
.trio h3{color:#fff;font-size:18.5px}
.trio p{margin-top:5px;color:var(--dim);font-size:15.5px}
.art{width:100%}
@media(max-width:900px){.sky{padding:64px 0}.sky-grid{grid-template-columns:1fr;gap:36px}.art{max-width:520px;margin:0 auto}}

/* guides */
.guides{padding:92px 0 80px}
.guide-grid{margin-top:36px;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.guide{display:flex;flex-direction:column;gap:10px;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px 22px;text-decoration:none;color:var(--text);transition:transform .4s cubic-bezier(.22,1,.36,1),box-shadow .4s cubic-bezier(.22,1,.36,1)}
.guide:hover{transform:translateY(-4px);box-shadow:0 22px 50px -24px rgba(24,37,51,.4)}
.guide .n{font-family:var(--fd);font-weight:600;font-size:12px;letter-spacing:.14em;color:var(--accent-deep)}
.guide h3{font-size:20px;letter-spacing:-.01em}
.guide p{font-size:15.5px;color:var(--muted);flex:1}
.guide .go{font-family:var(--fd);font-weight:600;font-size:14.5px;color:var(--den)}
@media(max-width:900px){.guide-grid{grid-template-columns:1fr}}
@media(max-width:600px){.guides{padding:64px 0 56px}}

/* faq: two-column cards with a gold horizon rule under each question */
.faq{padding:0 0 92px}
.faq-grid{margin-top:36px;display:grid;grid-template-columns:1fr 1fr;gap:18px}
.q{background:var(--card);border-radius:var(--r);padding:24px 24px 22px;border:1px solid var(--line)}
.q h3{font-size:18.5px;letter-spacing:-.005em;line-height:1.3;padding-bottom:12px;position:relative}
.q h3::after{content:"";position:absolute;left:0;bottom:0;width:38px;height:3px;background:var(--accent);border-radius:2px}
.q p{margin-top:12px;color:var(--text);font-size:15.5px}
@media(max-width:760px){.faq{padding-bottom:64px}.faq-grid{grid-template-columns:1fr;gap:12px}.q{padding:20px 18px}}

/* closing cta on the wheat tint */
.cta{padding:84px 0;background:var(--accent-tint)}
.cta-in{display:grid;grid-template-columns:1fr auto;gap:28px 48px;align-items:center}
.cta h2{font-size:clamp(27px,3.5vw,40px);letter-spacing:-.014em;margin-top:12px}
.cta p{margin-top:10px;color:var(--text);max-width:560px}
.cta .btn-primary{background:var(--den);color:#fff;border-color:var(--den)}
.cta .btn-primary:hover{background:var(--den-deep);border-color:var(--den-deep)}
@media(max-width:760px){.cta{padding:60px 0}.cta-in{grid-template-columns:1fr}}

/* footer */
.foot{background:var(--foot-bg);color:var(--foot-text);padding:64px 0 40px;font-size:14px}
.foot-top{display:grid;grid-template-columns:1fr auto;gap:24px 40px;align-items:start;padding-bottom:28px;border-bottom:1px solid rgba(213,222,230,.16)}
.foot .wm{color:#fff}
.foot .wm b{color:var(--foot-link)}
.foot-line{margin-top:12px;color:var(--dim);max-width:480px;font-size:14.5px}
.foot a{color:var(--foot-link)}
.foot-side{display:flex;flex-direction:column;gap:10px;align-items:flex-start}
.foot-mail,.foot-back{font-family:var(--fd);font-weight:500;font-size:15px;text-decoration:none;border-bottom:1px solid rgba(240,197,114,.45);padding-bottom:2px}
.foot-mail:hover,.foot-back:hover{border-bottom-color:var(--foot-link)}
.legal-links{display:flex;flex-wrap:wrap;gap:8px 0;margin:22px 0 0;padding:0}
.legal-links a{color:var(--foot-text);text-decoration:none;font-family:var(--fd);font-weight:500;font-size:14px;padding:4px 14px;border-left:1px solid rgba(213,222,230,.25)}
.legal-links a:first-child{padding-left:0;border-left:0}
.legal-links a:hover{color:var(--foot-link)}
.disc{margin-top:22px;padding-top:22px;border-top:1px solid rgba(213,222,230,.16)}
.disc p{color:var(--dim);font-size:13px;line-height:1.6;margin:0 0 10px}
.disc b,.disc strong{color:#fff;font-weight:600}
.disc a{color:var(--foot-link)}
@media(max-width:760px){.foot-top{grid-template-columns:1fr}.legal-links a{padding:4px 10px}}

/* subpage prose (legal pages, guides, 404) */
.sub main{background:var(--bg)}
.prose{max-width:740px;padding:56px 20px 88px}
.prose h1{font-size:clamp(30px,4.2vw,42px);letter-spacing:-.016em}
.prose .updated{margin-top:12px;font-family:var(--fd);font-weight:600;font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-deep)}
.prose .lead{margin-top:18px;font-size:19px;line-height:1.55;color:var(--ink)}
.prose h2{font-size:24px;margin-top:42px;padding-top:14px;letter-spacing:-.01em;position:relative}
.prose h2::before{content:"";position:absolute;left:0;top:0;width:38px;height:3px;background:var(--accent);border-radius:2px}
.prose h3{font-size:18.5px;margin-top:24px}
.prose p{margin-top:14px;line-height:1.7}
.prose ul,.prose ol{margin:14px 0 0;padding:0 0 0 22px}
.prose li{margin-top:8px;line-height:1.65;padding-left:4px}
.prose li::marker{color:var(--den)}
.prose strong{color:var(--ink);font-weight:600}
.prose a{color:var(--den-deep);text-decoration:underline;text-underline-offset:3px}
.prose table{width:100%;border-collapse:collapse;margin-top:16px;font-size:15.5px}
.prose th,.prose td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{font-family:var(--fd);font-weight:600;color:var(--ink);background:var(--sky)}
.prose .crumbs{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0 0 18px;font-size:13.5px;color:var(--muted)}
.prose .crumbs a{text-decoration:none;color:var(--den-deep)}
.prose .note{margin-top:36px;background:var(--sky);border-radius:var(--r);padding:22px 22px 24px}
.prose .note p{margin:0}
.prose .related{margin-top:28px;padding-top:18px;border-top:1px solid var(--line);font-size:15px}
.prose .btn{margin-top:18px;margin-right:10px;text-decoration:none}
.prose .btn-primary{color:#182533}
.prose .btn-ghost{color:var(--ink)}

.legal-links{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem}.disc p{font-size:.8rem;line-height:1.55}.cmp-modal{display:none;position:fixed;inset:0;z-index:90;background:rgba(10,14,20,.6);padding:30px 14px;overflow:auto}.cmp-modal.is-open{display:block}body.cmp-modal-open{overflow:hidden}.cmp-modal-card{max-width:860px;margin:0 auto;background:var(--card);color:var(--ink);border-radius:var(--r);box-shadow:0 30px 80px -30px rgba(0,0,0,.6)}.cmp-modal-head{position:sticky;top:0;background:var(--card);display:flex;justify-content:flex-end;padding:10px 12px;border-bottom:1px solid var(--line);border-radius:var(--r) var(--r) 0 0}.cmp-modal-close{border:0;background:var(--accent-tint);width:36px;height:36px;border-radius:9px;font-size:1.25rem;cursor:pointer;color:var(--ink)}.cmp-modal-body{padding:6px 24px 30px}.cmp-modal-body .prose{max-width:none}.cmp-modal-loading{padding:40px;text-align:center;color:var(--muted)}.unsub-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;margin:22px 0}.unsub-card__title{margin:0 0 6px;font-family:var(--fd);font-size:1.35rem}.unsub-card__sub{margin:0 0 18px;color:var(--muted)}.unsub-field{margin:0 0 14px}.unsub-field label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}.unsub-field .opt{font-weight:400;color:var(--muted);font-size:.8rem;margin-left:8px}.unsub-field .req{color:var(--accent-deep)}.unsub-field input,.unsub-field select{width:100%;box-sizing:border-box;min-height:48px;padding:10px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);font:inherit;font-size:1rem}.unsub-field input:focus,.unsub-field select:focus{outline:2px solid var(--accent);outline-offset:1px}.unsub-field__hint{margin:6px 0 0;font-size:.8rem;color:var(--muted)}.unsub-form__submit{display:inline-block;min-height:48px;padding:12px 22px;border:0;border-radius:999px;background:var(--accent-deep);color:#fff;font:inherit;font-weight:700;cursor:pointer}.unsub-form__submit:disabled{opacity:.6;cursor:wait}.unsub-form__legal{font-size:.8rem;color:var(--muted);margin:12px 0 0}.unsub-msg{display:none;border-radius:10px;padding:12px 14px;margin:0 0 14px;font-size:.95rem}.unsub-msg--error{background:#FDECEC;color:#8A1F1F}.unsub-msg--error.is-visible{display:block}.unsub-msg--success{background:var(--accent-tint);color:var(--ink)}.unsub-card.is-success .unsub-form,.unsub-card.is-success .unsub-card__sub{display:none}.unsub-card.is-success .unsub-msg--success{display:block}