/* Wert-Berater lender section — "credit file" system on the house navy/orange/cream palette. */
:root{--navy:#1B2A4A;--navy-2:#22355C;--orange:#D4842A;--orange-d:#B86E1C;--slate:#2D3748;--bg:#F8F6F2;--paper:#FFFDF9;--border:#DDD8CE;--rule:#E9E3D7;--text:#2D2D2D;--muted:#6B6860;--ok:#2F6B4F;--warn:#9A6A14;--bad:#9B3B2E;}
*{margin:0;padding:0;box-sizing:border-box;}
body{font-family:"DM Sans",sans-serif;background:var(--bg);color:var(--text);font-size:15.5px;line-height:1.7;}
a{color:var(--navy);}
.mono{font-family:"DM Mono",ui-monospace,monospace;letter-spacing:-.01em;}
.top{background:var(--navy);color:#fff;padding:14px 26px;display:flex;justify-content:space-between;align-items:baseline;flex-wrap:wrap;gap:6px;}
.top .wm{color:#fff;text-decoration:none;}
.top nav a.navcta{background:#D4842A;color:#fff !important;font-weight:700;padding:8px 13px;margin-left:4px;}
nav{display:flex;flex-wrap:wrap;align-items:center;}
nav a{color:rgba(255,255,255,.85);text-decoration:none;font-size:12.5px;margin-left:18px;}
.top nav a:hover{color:var(--orange);}
/* Match the dropdown script's flat-menu breakpoint. All links stay visible,
   including without JavaScript; no hidden horizontal menu or body clipping. */
@media(max-width:760px){.top{padding:10px 12px;}.top nav{width:100%;min-width:0;flex-wrap:wrap;overflow:visible;gap:2px;}.top nav a{white-space:normal;overflow-wrap:anywhere;max-width:100%;padding:11px 9px;font-size:11.5px;margin-left:0;flex:0 1 auto;}.top nav a.navcta{margin-left:0;}}
/* sub-navigation for the lender section */
.lsub{background:#14203A;border-bottom:1px solid rgba(255,255,255,.08);position:sticky;top:0;z-index:20;}
.lsub-in{max-width:1180px;margin:0 auto;display:flex;align-items:center;gap:2px;overflow-x:auto;scrollbar-width:none;padding:0 20px;}
.lsub-in::-webkit-scrollbar{display:none;}
.lsub b{font-family:"DM Mono",monospace;font-size:10.5px;letter-spacing:.14em;color:var(--orange);text-transform:uppercase;font-weight:500;margin-right:14px;white-space:nowrap;}
.lsub a{color:rgba(255,255,255,.72);text-decoration:none;font-size:12.5px;padding:12px 12px;white-space:nowrap;border-bottom:2px solid transparent;transition:color .2s;}
.lsub a:hover{color:#fff;}
.lsub a[aria-current="page"]{color:#fff;border-bottom-color:var(--orange);}
.lsub .go{margin-left:auto;background:var(--orange);color:#fff;font-weight:700;padding:7px 13px;border:0;}
@media(max-width:760px){.lsub{position:static;}.lsub-in{flex-wrap:wrap;overflow:visible;min-width:0;padding:8px 12px;gap:2px;}.lsub b{flex-basis:100%;margin:0 0 4px;}.lsub a{max-width:100%;white-space:normal;overflow-wrap:anywhere;padding:10px 9px;}.lsub .go{margin-left:0;}}
/* The injected "On this page" menu needs the same treatment. Keep this override
   in the lender stylesheet rather than changing the frozen sitewide menu. */
@media(max-width:760px){nav.wbanav{position:static;overflow:visible;padding:8px 12px;}nav.wbanav ul{width:100%;min-width:0;flex-wrap:wrap;white-space:normal;}nav.wbanav li{min-width:0;max-width:100%;}nav.wbanav a{margin-left:0;max-width:100%;white-space:normal;overflow-wrap:anywhere;}}
/* hero */
.lhero{background:var(--navy);color:#fff;position:relative;overflow:hidden;border-bottom:3px solid var(--orange);}
.lhero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:44px 44px;mask-image:linear-gradient(100deg,transparent 30%,#000 90%);pointer-events:none;}
.lhero-in{max-width:1180px;margin:0 auto;padding:62px 26px 56px;display:grid;grid-template-columns:1.35fr .9fr;gap:48px;align-items:end;position:relative;}
.kicker{font-family:"DM Mono",monospace;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--orange);margin-bottom:16px;display:flex;gap:10px;align-items:center;}
.kicker::before{content:"";width:28px;height:1px;background:var(--orange);}
.lhero h1{font-family:"DM Serif Display",serif;font-weight:400;font-size:clamp(32px,4.4vw,54px);line-height:1.06;letter-spacing:-.01em;}
.lhero h1 em{font-style:italic;color:#F1C48D;}
.lhero .lede{margin-top:20px;max-width:680px;color:rgba(255,255,255,.8);font-size:16.5px;}
.ctas{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px;}
.btn{display:inline-flex;align-items:center;gap:9px;font-weight:700;font-size:14.5px;text-decoration:none;padding:13px 22px;border:1.5px solid transparent;cursor:pointer;font-family:inherit;transition:transform .18s ease,background .18s;}
.btn:hover{transform:translateY(-1px);}
.btn-o{background:var(--orange);color:#fff;}
.btn-o:hover{background:var(--orange-d);}
.btn-g{background:transparent;color:#fff;border-color:rgba(255,255,255,.45);}
.btn-g:hover{border-color:#fff;}
.btn-n{background:var(--navy);color:#fff;}
.btn-l{background:transparent;color:var(--navy);border-color:var(--navy);}
.btn svg{width:15px;height:15px;}
/* docket card in hero */
.docket{background:var(--paper);color:var(--text);border-top:4px solid var(--orange);box-shadow:0 30px 60px -30px rgba(0,0,0,.6);transform:rotate(-1deg);}
.docket-h{display:flex;justify-content:space-between;font-family:"DM Mono",monospace;font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);padding:14px 18px;border-bottom:1px dashed var(--border);}
.docket ol{list-style:none;counter-reset:d;padding:6px 18px 14px;}
.docket li{counter-increment:d;display:grid;grid-template-columns:30px 1fr auto;gap:8px;align-items:baseline;padding:9px 0;border-bottom:1px solid var(--rule);font-size:13.5px;}
.docket li:last-child{border-bottom:0;}
.docket li::before{content:counter(d,decimal-leading-zero);font-family:"DM Mono",monospace;font-size:11px;color:var(--orange);}
.docket li span{font-family:"DM Mono",monospace;font-size:10.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;}
@media(max-width:900px){.lhero-in{grid-template-columns:1fr;gap:34px;padding:44px 18px 40px;}.docket{transform:none;}}
/* layout */
.sec{max-width:1180px;margin:0 auto;padding:64px 26px;}
.sec.tight{padding-top:36px;padding-bottom:36px;}
.band{background:var(--paper);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.band-n{background:var(--navy);color:#fff;}
.eyebrow{font-family:"DM Mono",monospace;font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--orange-d);margin-bottom:10px;}
.band-n .eyebrow{color:var(--orange);}
h2{font-family:"DM Serif Display",serif;font-weight:400;font-size:clamp(25px,2.8vw,34px);line-height:1.15;color:var(--navy);max-width:780px;}
.band-n h2{color:#fff;}
h3{font-family:"DM Serif Display",serif;font-weight:400;font-size:19px;color:var(--navy);line-height:1.25;}
.sec p{max-width:760px;margin-top:12px;}
.muted{color:var(--muted);}
.split{display:grid;grid-template-columns:.9fr 1.4fr;gap:56px;align-items:start;}
@media(max-width:860px){.split{grid-template-columns:1fr;gap:24px;}.sec{padding:44px 18px;}}
/* program index — ledger rows */
.ledger{margin-top:30px;border-top:2px solid var(--navy);}
.ledger a.row{display:grid;grid-template-columns:64px 1.1fr 1.6fr 28px;gap:18px;align-items:center;padding:18px 6px;border-bottom:1px solid var(--border);text-decoration:none;color:var(--text);transition:background .2s,padding .2s;}
.ledger a.row:hover{background:var(--paper);padding-left:14px;}
.ledger .no{font-family:"DM Mono",monospace;font-size:12px;color:var(--orange-d);}
.ledger .t{font-family:"DM Serif Display",serif;font-size:19px;color:var(--navy);}
.ledger .d{font-size:14px;color:var(--muted);}
.ledger .ar{color:var(--orange);font-size:18px;transition:transform .2s;}
.ledger a.row:hover .ar{transform:translateX(4px);}
.ledger a.row.lead{background:var(--navy);color:#fff;}
.ledger a.row.lead .t{color:#fff;}.ledger a.row.lead .d{color:rgba(255,255,255,.7);}
@media(max-width:700px){.ledger a.row{grid-template-columns:40px 1fr 20px;}.ledger .d{grid-column:2/3;}.ledger .ar{grid-row:1;grid-column:3;}}
/* process steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:32px;border:1px solid var(--border);background:var(--paper);}
.step{padding:24px 22px;border-right:1px solid var(--border);position:relative;}
.step:last-child{border-right:0;}
.step .n{font-family:"DM Mono",monospace;font-size:11px;color:var(--orange-d);letter-spacing:.1em;}
.step h3{margin:10px 0 6px;font-size:18px;}
.step p{font-size:14px;margin:0;color:var(--muted);}
.band-n .steps{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.14);}
.band-n .step{border-color:rgba(255,255,255,.14);}
.band-n .step h3{color:#fff;}.band-n .step p{color:rgba(255,255,255,.7);}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr;}.step:nth-child(2){border-right:0;}.step:nth-child(-n+2){border-bottom:1px solid var(--border);}}
@media(max-width:560px){.steps{grid-template-columns:1fr;}.step{border-right:0;border-bottom:1px solid var(--border);}}
/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:14px;margin-top:26px;}
.card{background:var(--paper);border:1px solid var(--border);padding:20px 22px;text-decoration:none;color:var(--text);display:block;transition:border-color .2s,transform .2s;}
a.card:hover{border-color:var(--orange);transform:translateY(-2px);}
.card .tag{font-family:"DM Mono",monospace;font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--orange-d);}
.card h3{margin:8px 0 6px;}
.card p{font-size:14px;color:var(--muted);margin:0;}
.notice{background:#F3EEE3;border-left:3px solid var(--orange);padding:16px 20px;margin-top:22px;font-size:14px;max-width:820px;}
.notice b{color:var(--navy);}
table.t{width:100%;border-collapse:collapse;margin-top:22px;background:var(--paper);border:1px solid var(--border);}
table.t th{background:var(--navy);color:#fff;text-align:left;font-size:12.5px;padding:11px 14px;font-weight:700;}
table.t td{border-top:1px solid var(--border);padding:11px 14px;font-size:14px;vertical-align:top;}
@media(max-width:680px){table.t{display:block;overflow-x:auto;}}
.faq{margin-top:22px;max-width:860px;}
.faq details{border-bottom:1px solid var(--border);padding:16px 0;}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:16px;}
.faq summary::after{content:"+";color:var(--orange);font-size:20px;line-height:1;transition:transform .2s;}
.faq details[open] summary::after{transform:rotate(45deg);}
.faq details p{margin-top:10px;font-size:14.5px;}
.cta-end{background:var(--navy);color:#fff;}
.cta-end .sec{display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:center;}
.cta-end h2{color:#fff;}
.cta-end p{color:rgba(255,255,255,.75);}
@media(max-width:860px){.cta-end .sec{grid-template-columns:1fr;}}
.crumbs{font-size:12px;color:rgba(255,255,255,.6);margin-bottom:18px;font-family:"DM Mono",monospace;}
.crumbs a{color:rgba(255,255,255,.75);text-decoration:none;}
footer.lf{background:var(--slate);color:rgba(255,255,255,.75);padding:24px 26px;font-size:12.5px;line-height:1.7;}
footer.lf a{color:rgba(255,255,255,.88);}
footer.lf .in{max-width:1180px;margin:0 auto;display:flex;flex-wrap:wrap;gap:8px 22px;justify-content:space-between;}
/* reveal */
.rv{opacity:0;transform:translateY(14px);transition:opacity .6s ease,transform .6s ease;}
.rv.in{opacity:1;transform:none;}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none;}}
/* tool shell */
.tool{display:grid;grid-template-columns:1fr 380px;gap:28px;align-items:start;margin-top:28px;}
@media(max-width:960px){.tool{grid-template-columns:1fr;}}
.panel{background:var(--paper);border:1px solid var(--border);}
.panel-h{display:flex;justify-content:space-between;align-items:center;padding:14px 20px;border-bottom:1px solid var(--border);font-family:"DM Mono",monospace;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);}
.sticky{position:sticky;top:64px;}
/* checklist */
.ck{border-bottom:1px solid var(--rule);padding:18px 20px;}
.ck:last-child{border-bottom:0;}
.ck-top{display:grid;grid-template-columns:34px 1fr;gap:10px;}
.ck-no{font-family:"DM Mono",monospace;font-size:12px;color:var(--orange-d);padding-top:3px;}
.ck h3{font-size:18px;}
.ck .q{font-size:13.5px;color:var(--muted);margin-top:3px;}
.score{display:flex;flex-wrap:wrap;gap:6px;margin:12px 0 0 44px;}
.score label{position:relative;cursor:pointer;}
.score input{position:absolute;opacity:0;width:1px;height:1px;}
.score span{display:inline-block;padding:7px 12px;border:1px solid var(--border);font-size:12.5px;font-weight:500;background:#fff;transition:background .15s,border-color .15s,color .15s;}
.score input:focus-visible+span{outline:2px solid var(--orange);outline-offset:2px;}
.score input:checked+span{color:#fff;border-color:transparent;}
.score .s3 input:checked+span{background:var(--ok);}
.score .s2 input:checked+span{background:var(--warn);}
.score .s1 input:checked+span{background:var(--bad);}
.score .s0 input:checked+span{background:var(--slate);}
.ck textarea{display:block;width:calc(100% - 44px);margin:10px 0 0 44px;border:1px solid var(--border);background:#fff;padding:8px 10px;font:inherit;font-size:13.5px;min-height:38px;resize:vertical;}
.meter{height:8px;background:var(--rule);margin:6px 0 4px;overflow:hidden;}
.meter i{display:block;height:100%;background:var(--orange);transform-origin:left;transform:scaleX(0);transition:transform .4s ease;width:100%;}
.big{font-family:"DM Serif Display",serif;font-size:46px;color:var(--navy);line-height:1;}
.sumrow{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px solid var(--rule);font-size:13.5px;}
.sumrow b{font-family:"DM Mono",monospace;font-weight:500;}
.field{display:block;margin-bottom:14px;}
.field span{display:block;font-size:12.5px;font-weight:700;color:var(--navy);margin-bottom:5px;}
.field small{display:block;color:var(--muted);font-size:12px;margin-top:4px;}
.field input{width:100%;padding:11px 12px;border:1px solid var(--border);background:#fff;font-family:"DM Mono",monospace;font-size:15px;color:var(--text);}
.field input:focus{outline:2px solid var(--orange);outline-offset:0;border-color:transparent;}
.field input[aria-invalid="true"]{border-color:var(--bad);background:#FCF3F1;}
.err{color:var(--bad);font-size:12.5px;margin-top:4px;min-height:0;}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 16px;padding:20px;}
@media(max-width:560px){.fgrid{grid-template-columns:1fr;}}
.res{width:100%;border-collapse:collapse;}
.res th,.res td{text-align:left;padding:11px 16px;border-bottom:1px solid var(--rule);font-size:13.5px;}
.res th{font-family:"DM Mono",monospace;font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:500;}
.res td.num{font-family:"DM Mono",monospace;text-align:right;}
.res th.num{text-align:right;}
.pill{display:inline-block;font-family:"DM Mono",monospace;font-size:10.5px;padding:2px 7px;letter-spacing:.06em;text-transform:uppercase;}
.pill.ok{background:#E2EFE7;color:var(--ok);}.pill.warn{background:#F6EBD3;color:var(--warn);}.pill.bad{background:#F6E0DB;color:var(--bad);}
.dbar{height:6px;background:var(--rule);position:relative;margin-top:6px;}
.dbar i{position:absolute;left:0;top:0;bottom:0;width:100%;transform-origin:left;transition:transform .35s ease;}
.dbar .line{position:absolute;top:-4px;bottom:-4px;width:2px;background:var(--navy);}