/* Forward Financing — main stylesheet */
:root{--navy:#11353E;--mint:#4ED4AB;--gray:#F2F4F5;--dark:#111111;--white:#FFFFFF;--maxw:1200px;}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Georgia,'Times New Roman',serif;color:var(--dark);background:var(--white);line-height:1.75;font-size:1.05rem}
h1,h2,h3,h4,.sans{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;color:var(--navy);line-height:1.3;text-wrap:balance}
img{max-width:100%;height:auto;display:block;border-radius:10px}
a{color:var(--navy)}
a:focus,button:focus{outline:3px solid var(--mint);outline-offset:2px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:2147483001}
.skip-link:focus{left:8px;top:8px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
/* NAV */
.site-nav{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:var(--white);border-bottom:1px solid #e2e6e7;box-shadow:0 1px 6px rgba(17,53,62,.07)}
.nav-inner{display:flex;align-items:center;gap:6px;min-height:68px;max-width:var(--maxw);margin:0 auto;padding:0 20px}
.brand{display:flex;align-items:center;gap:9px;text-decoration:none;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-weight:700;font-size:1.18rem;color:var(--navy);margin-right:14px;white-space:nowrap}
.brand img{width:34px;height:34px;border-radius:6px}
.nav-links{display:flex;align-items:center;gap:2px;list-style:none}
.nav-links>li{position:relative}
.nav-links a,.nav-links button.drop-btn{display:flex;align-items:center;gap:4px;padding:12px 13px;min-height:44px;text-decoration:none;color:var(--navy);font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:.98rem;background:none;border:none;cursor:pointer;border-radius:8px}
.nav-links a:hover,.drop-btn:hover{background:var(--gray)}
.caret{font-size:.62rem;transform:translateY(1px)}
.dropdown{position:absolute;top:100%;left:0;background:#fff;border:1px solid #e2e6e7;border-radius:10px;box-shadow:0 8px 24px rgba(17,53,62,.14);min-width:230px;padding:8px;display:none;z-index:5}
.nav-links li:hover>.dropdown,.nav-links li.open>.dropdown{display:block}
.dropdown a{display:block;padding:10px 12px;border-radius:7px}
.nav-spacer{flex:1 1 auto;min-width:40px}
.btn-apply{background:var(--mint);color:var(--navy)!important;font-weight:700;padding:12px 26px!important;border-radius:999px;white-space:nowrap}
.btn-apply:hover{background:var(--navy);color:#fff!important}
.nav-toggle{display:none;background:none;border:2px solid var(--navy);border-radius:8px;padding:8px 12px;font-size:1.1rem;color:var(--navy);cursor:pointer;min-height:44px;min-width:44px}
/* BREADCRUMB */
.breadcrumb{background:var(--gray);font-size:.86rem;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif}
.breadcrumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:10px 20px;max-width:var(--maxw);margin:0 auto}
.breadcrumb li+li::before{content:"›";margin-right:6px;color:#6a7a7e}
/* HERO */
.hero{background:linear-gradient(135deg,var(--navy) 0%,#1b4a55 100%);color:#fff;padding:46px 0 50px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:center}
.hero h1{color:#fff;font-size:2.15rem;margin-bottom:16px}
.hero p{font-size:1.08rem;margin-bottom:12px;color:#e8f4f1}
.hero .hero-cta{display:inline-block;background:var(--mint);color:var(--navy);font-weight:700;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;padding:14px 34px;border-radius:999px;text-decoration:none;margin-top:8px}
.hero .hero-cta:hover{background:#fff}
.hero img{box-shadow:0 10px 34px rgba(0,0,0,.28)}
.hero-badges{display:flex;gap:18px;margin-top:18px;flex-wrap:wrap;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:.9rem}
.hero-badges span{background:rgba(255,255,255,.13);padding:7px 14px;border-radius:999px}
/* FORM ZONE */
.form-zone{position:relative;z-index:1;isolation:isolate;background:var(--gray);padding:36px 0}
.form-zone .wrap>h2{text-align:center;margin-bottom:6px}
.form-zone .form-note{text-align:center;font-size:.9rem;color:#4a5a5e;margin-bottom:18px}
.form-shell{position:relative;z-index:1;isolation:isolate;background:#fff;border-radius:14px;padding:22px;box-shadow:0 4px 18px rgba(17,53,62,.08);max-width:860px;margin:0 auto}
/* LAYOUT */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:38px;max-width:var(--maxw);margin:0 auto;padding:40px 20px}
article{min-width:0}
article h2{font-size:1.5rem;margin:36px 0 14px}
article h3{font-size:1.18rem;margin:26px 0 10px}
article p{margin-bottom:15px}
article ul,article ol{margin:0 0 15px 26px}
article li{margin-bottom:7px}
article img{margin:22px auto}
article img.body-img{max-width:430px;width:100%}
.answer-block{background:#eafaf4;border-left:4px solid var(--mint);padding:14px 18px;border-radius:0 10px 10px 0;margin-bottom:16px;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:1rem}
.toc{background:var(--gray);border-radius:12px;padding:18px 22px;margin:22px 0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif}
.toc h2{margin:0 0 10px;font-size:1.05rem}
.toc ol{margin:0 0 0 20px}
.toc li{margin-bottom:5px}
table{width:100%;border-collapse:collapse;margin:20px 0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:.93rem}
caption{text-align:left;font-weight:700;color:var(--navy);padding-bottom:8px}
th,td{border:1px solid #d7dee0;padding:10px 12px;text-align:left;vertical-align:top}
th{background:var(--navy);color:#fff}
tbody tr:nth-child(even){background:var(--gray)}
/* CARDS */
.card-grid{display:grid;gap:22px;margin:26px 0}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid #e2e6e7;border-radius:14px;overflow:hidden;box-shadow:0 3px 12px rgba(17,53,62,.06);display:flex;flex-direction:column}
.card img{border-radius:0;margin:0;width:100%;height:170px;object-fit:cover}
.card .card-body{padding:16px 18px 20px;display:flex;flex-direction:column;flex:1}
.card h3{margin:0 0 8px;font-size:1.06rem}
.card h3 a{text-decoration:none}
.card h3 a:hover{color:var(--mint)}
.card p{font-size:.93rem;margin-bottom:10px;flex:1}
.card .card-link{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-weight:700;font-size:.9rem;color:var(--navy);text-decoration:none}
.card .card-link:hover{color:var(--mint)}
.amount-card{background:linear-gradient(160deg,var(--navy),#1b4a55);color:#fff;border-radius:14px;padding:26px 22px;text-align:center}
.amount-card h3{color:var(--mint);font-size:1.7rem;margin-bottom:8px}
.amount-card p{color:#dcece8;font-size:.92rem;margin-bottom:14px}
.amount-card a{display:inline-block;background:var(--mint);color:var(--navy);font-weight:700;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;padding:10px 22px;border-radius:999px;text-decoration:none;font-size:.9rem}
/* SIDEBAR */
.sidebar{display:flex;flex-direction:column;gap:20px}
.sb-box{background:var(--gray);border-radius:12px;padding:18px 20px;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:.92rem}
.sb-box h3{font-size:1rem;margin-bottom:10px}
.sb-box ul{list-style:none}
.sb-box li{margin-bottom:8px}
.sb-box a{text-decoration:none}
.sb-box a:hover{color:var(--mint)}
.sb-cta{background:var(--navy);color:#fff;text-align:center}
.sb-cta h3{color:var(--mint)}
.sb-cta p{color:#dcece8;margin-bottom:12px}
.sb-cta a{display:inline-block;background:var(--mint);color:var(--navy);font-weight:700;padding:11px 26px;border-radius:999px;text-decoration:none}
.sb-rating{text-align:center}
.stars{color:#f5b301;font-size:1.25rem;letter-spacing:2px}
/* MINI FAQ */
.mini-faq details{background:var(--gray);border-radius:10px;margin-bottom:10px;padding:0}
.mini-faq summary{cursor:pointer;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-weight:700;padding:14px 18px;color:var(--navy)}
.mini-faq div{padding:0 18px 16px}
/* CTA ZONE */
.cta-zone{background:linear-gradient(120deg,var(--navy),#16414c);color:#fff;text-align:center;padding:52px 20px;margin-top:20px}
.cta-zone h2{color:#fff;font-size:1.65rem;margin-bottom:10px}
.cta-zone p{max-width:640px;margin:0 auto 20px;color:#dcece8}
.cta-zone a{display:inline-block;background:var(--mint);color:var(--navy);font-weight:700;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;padding:15px 40px;border-radius:999px;text-decoration:none;font-size:1.05rem}
.cta-zone a:hover{background:#fff}
/* FOOTER */
.site-footer{background:var(--dark);color:#cfd8da;padding:48px 0 26px;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:.9rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;max-width:var(--maxw);margin:0 auto;padding:0 20px}
.site-footer h3{color:var(--mint);font-size:1rem;margin-bottom:12px}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:8px}
.site-footer a{color:#cfd8da;text-decoration:none}
.site-footer a:hover{color:var(--mint)}
.footer-disclosure{max-width:var(--maxw);margin:28px auto 0;padding:22px 20px 0;border-top:1px solid #2c3436;font-size:.8rem;line-height:1.65;color:#9aa7aa}
.footer-copy{text-align:center;margin-top:18px;color:#7d8b8e;font-size:.82rem}
/* SCROLL TOP */
#toTop{position:fixed;right:20px;bottom:20px;background:var(--navy);color:#fff;border:none;border-radius:50%;width:48px;height:48px;font-size:1.2rem;cursor:pointer;display:none;z-index:2147482000;box-shadow:0 4px 14px rgba(0,0,0,.25)}
#toTop.show{display:block}
#toTop:hover{background:var(--mint);color:var(--navy)}
/* REVIEWS */
.review-card{background:var(--gray);border-radius:12px;padding:18px 22px;margin-bottom:16px}
.review-card .rc-head{display:flex;justify-content:space-between;align-items:center;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-weight:700;margin-bottom:6px;color:var(--navy)}
.review-card .rc-stars{color:#f5b301;letter-spacing:2px;font-size:.95rem}
.review-card p{font-size:.95rem;margin:0}
/* CALCULATOR */
.calc-shell{background:var(--gray);border-radius:14px;padding:26px;margin:24px 0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif}
.calc-row{margin-bottom:18px}
.calc-row label{display:block;font-weight:700;color:var(--navy);margin-bottom:6px}
.calc-row output{font-weight:700;color:var(--navy)}
.calc-shell input[type=range]{width:100%;accent-color:var(--mint);min-height:44px}
.calc-shell select{width:100%;padding:12px;border-radius:8px;border:1px solid #c8d2d4;font-size:1rem;min-height:44px}
.calc-result{background:var(--navy);color:#fff;border-radius:12px;padding:22px;text-align:center;margin-top:8px}
.calc-result strong{display:block;font-size:2rem;color:var(--mint)}
.calc-note{font-size:.82rem;color:#5a6a6e;margin-top:12px}
/* GLOSSARY */
.gloss-term{background:var(--gray);border-radius:10px;padding:16px 20px;margin-bottom:14px}
.gloss-term h3{margin:0 0 6px}
/* AUTHOR / SHARE */
.author-box{background:var(--gray);border-radius:12px;padding:18px 22px;margin:26px 0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:.92rem}
.author-box strong{color:var(--navy)}
.share-row{display:flex;gap:10px;margin:20px 0;flex-wrap:wrap}
.share-row a{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:.85rem;font-weight:700;text-decoration:none;background:var(--gray);padding:10px 18px;border-radius:999px;min-height:44px;display:inline-flex;align-items:center}
.share-row a:hover{background:var(--mint)}
.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin:24px 0}
/* RESPONSIVE */
@media(max-width:1024px){
 .layout{grid-template-columns:1fr}
 .footer-grid{grid-template-columns:1fr 1fr}
 .hero .wrap{grid-template-columns:1fr}
 .grid-3{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:820px){
 .nav-toggle{display:block;margin-left:auto}
 .nav-links{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 16px;border-bottom:1px solid #e2e6e7;box-shadow:0 10px 24px rgba(17,53,62,.15)}
 .nav-links.open{display:flex}
 .nav-spacer{display:none}
 .dropdown{position:static;box-shadow:none;border:none;display:none;padding-left:14px}
 .nav-links li.open>.dropdown{display:block}
 .grid-3,.grid-2,.related-grid{grid-template-columns:1fr}
 .hero h1{font-size:1.6rem}
 .card img{height:200px}
}
@media(max-width:520px){.footer-grid{grid-template-columns:1fr}}