/* QuipLoans - notepad and highlighter: cream paper, warm graphite ink, one highlighter accent. Fustat + Inclusive Sans, 10px radii. */
:root{
  --bg:#FAF6EE;--card:#FFFFFF;--ink:#1E1F1C;--text:#2C2E2A;--muted:#5E635B;
  --accent:#F5C542;--accent-deep:#85590C;--accent-tint:#F0E7D4;--tint2:#E1D4B6;--line:#E6DECD;
  --graphite:#2F3330;--foot-bg:#15160F;--foot-text:#E6E1D4;--foot-link:#F5C542;--dim:#B9B4A6;--hl:#FBE48A;
  --fd:"Fustat",system-ui,sans-serif;--fb:"Inclusive Sans",system-ui,sans-serif;--r:10px;--wrap:1140px;
}
*,*::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(--accent-deep)}
h1,h2,h3{font-family:var(--fd);color:var(--ink);line-height:1.15;margin:0;font-weight:600;text-wrap:balance}
p{margin:0;text-wrap:pretty}
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:8px}
.skip:focus{left:8px;top:8px}
.kick{font-family:var(--fd);font-weight:600;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--accent-deep);display:inline-flex;align-items:center;gap:10px}
.kick::before{content:"";width:22px;height:4px;border-radius:2px;background:var(--accent);flex:0 0 22px}
.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:var(--r);border:1px solid transparent;text-decoration:none;cursor:pointer;transition:transform .3s cubic-bezier(.22,1,.36,1),background .3s,box-shadow .3s}
.btn-primary{background:var(--accent);color:var(--ink);border-color:#E3B22F;box-shadow:0 10px 24px -14px rgba(30,31,28,.5)}
.btn-primary:hover{background:#F8CF5E;border-color:#F8CF5E}
.btn:active{transform:translateY(1px)}
.btn:focus-visible,a:focus-visible,button:focus-visible{outline:3px solid var(--graphite);outline-offset:3px}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--accent-tint)}

/* header: cream bar, quote mark + wordmark left, muted one-liner + nav right, burger under 860px */
.mast{background:var(--bg);border-bottom:1px solid var(--graphite);position:relative;z-index:5}
.mast-in{display:flex;align-items:center;gap:22px;height:64px;position:relative}
.brand{text-decoration:none;display:inline-flex;align-items:center;gap:10px}
.brand .mark{width:28px;height:28px;flex:0 0 28px}
.wm{font-family:var(--fd);font-weight:700;font-size:22px;letter-spacing:-.02em;color:var(--ink)}
.wm b{font-weight:500;color:var(--graphite)}
.oneliner{margin-left:auto;font-size:13.5px;color:var(--muted);display:inline-flex;align-items:center;gap:10px}
.oneliner i{width:6px;height:6px;border-radius:50%;background:var(--accent);display:inline-block}
.nav{display:flex;align-items:center;gap:22px;padding-left:22px;border-left:1px solid var(--tint2)}
.nav a{font-family:var(--fd);font-weight:500;font-size:15px;color:var(--ink);text-decoration:none;padding:6px 0;background:linear-gradient(var(--accent),var(--accent)) no-repeat 0 100%/0 6px;transition:background-size .3s cubic-bezier(.22,1,.36,1)}
.nav a:hover{background-size:100% 6px}
.nb{display:none;width:44px;height:44px;border:1px solid var(--line);background:var(--card);border-radius:var(--r);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){
  .oneliner{display:none}
  .nav{display:none;position:absolute;top:64px;left:0;right:0;background:var(--bg);border:1px solid var(--line);border-top:0;border-radius:0 0 var(--r) var(--r);flex-direction:column;align-items:stretch;gap:0;padding:8px 0 10px;box-shadow:0 24px 50px -20px rgba(30,31,28,.35);margin:0}
  .nav.open{display:flex}
  .nav a{padding:13px 20px;border-top:1px solid var(--line);background:none}
  .nav a:first-child{border-top:0}
  .nb{display:inline-flex}
}

/* hero: dune crest photo under a cream veil, graphite rule + eyebrow with a highlighter swipe, card, dash ticks, H1 */
.hero{position:relative;padding:34px 0 62px;overflow:hidden;background:var(--tint2)}
.hero-bg{position:absolute;inset:0;margin:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center 60%}
.hero-veil{position:absolute;inset:0;background:linear-gradient(180deg,rgba(250,246,238,.28) 0%,rgba(250,246,238,.52) 38%,rgba(250,246,238,.84) 70%,#FAF6EE 100%)}
.hero-in{position:relative;z-index:1;text-align:center}
.eyebrow{display:inline;font-family:var(--fd);font-weight:600;font-size:14px;letter-spacing:.02em;line-height:1.9;color:var(--ink);padding:0 5px;background:linear-gradient(var(--hl),var(--hl)) no-repeat 0 80%/100% 9px;-webkit-box-decoration-break:clone;box-decoration-break:clone}
.eyebrow-row{margin:0 0 18px}
.form-card{background:var(--card);border:1px solid var(--graphite);border-radius:var(--r);box-shadow:0 30px 60px -28px rgba(30,31,28,.45);padding:22px 24px 16px;width:100%;max-width:var(--card-max);margin:0 auto;text-align:left}
.form-card__head{display:grid;grid-template-columns:30px 1fr;gap:12px;align-items:start}
.form-card__head svg{width:30px;height:30px;margin-top:1px}
.form-card__head h2{font-size:24px;letter-spacing:-.015em}
.form-card__head p{color:var(--muted);font-size:14.5px;margin-top:4px}
.form-host{margin-top:14px}
.form-card__trust{margin-top:14px;padding-top:12px;border-top:1px dashed var(--tint2);font-size:12.5px;color:var(--muted);text-align:center;line-height:1.5}
:root{--card-max:780px;--cta-text:#1E1F1C}
.ticks{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 0;margin:24px auto 0;padding:0;list-style:none;max-width:920px}
.ticks li{display:inline-flex;align-items:center;font-family:var(--fd);font-weight:500;font-size:14.5px;color:var(--ink);padding:0 16px;position:relative}
.ticks li+li::before{content:"";position:absolute;left:-9px;top:50%;width:18px;height:4px;border-radius:2px;background:var(--accent);transform:translateY(-50%)}
.hero h1{font-size:clamp(32px,5vw,54px);letter-spacing:-.025em;max-width:760px;margin:36px auto 0;line-height:1.08}
.hero .sub{max-width:620px;margin:14px auto 0;font-size:17px;color:var(--text)}
@media(max-width:600px){
  .hero{padding:20px 0 44px}
  .hero-veil{background:linear-gradient(180deg,rgba(250,246,238,.24) 0%,rgba(250,246,238,.62) 46%,#FAF6EE 100%)}
  .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__head{grid-template-columns:26px 1fr;gap:10px}
  .form-card__head svg{width:26px;height:26px}
  .form-card__head h2{font-size:21px}
  .eyebrow{font-size:13px;margin-bottom:14px}
  .ticks{display:grid;grid-template-columns:1fr 1fr;gap:10px 8px;margin-top:20px;justify-items:start}
  .ticks li{font-size:13.5px;padding:0 0 0 24px;text-align:left}
  .ticks li+li::before,.ticks li:first-child::before{content:"";position:absolute;left:0;top:50%;width:14px;height:4px;border-radius:2px;background:var(--accent);transform:translateY(-50%)}
  .hero h1{margin-top:28px}
}
/* lines: six pull-quote cards on sand, big opening quote marks */
.lines{background:var(--accent-tint);padding:84px 0 80px;border-top:1px solid var(--tint2);border-bottom:1px solid var(--tint2)}
.sec-head{max-width:720px}
.sec-head h2{font-size:clamp(28px,3.6vw,42px);margin-top:12px;letter-spacing:-.02em}
.sec-head p{margin-top:12px;color:var(--muted);font-size:17px}
.quotes{list-style:none;margin:36px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.quotes li{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px 22px 20px 22px;position:relative;font-family:var(--fd);font-weight:500;font-size:19px;line-height:1.35;color:var(--ink)}
.quotes li::before{content:"";display:block;width:34px;height:26px;margin-bottom:12px;background:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 34 26'><path d='M0 26C0 14.2 5.6 6 15 1.6L17.8 5.8c-5.4 2.6-8.6 6.5-9.5 11.4h7.1V26H0zm19 0c0-11.8 5.6-20 15-24.4l2.8 4.2c-5.4 2.6-8.6 6.5-9.5 11.4h7.1V26H19z' fill='%23F5C542'/></svg>") no-repeat 0 0/contain}
.lines-close{margin-top:30px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:18px 32px}
.lines-close p{max-width:640px;font-size:16.5px;color:var(--text)}
@media(max-width:900px){.quotes{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.lines{padding:56px 0}.quotes{grid-template-columns:1fr;gap:12px}.quotes li{font-size:18px;padding:18px 18px 16px}}

/* steps: three short dashes on one horizontal highlighter rule */
.steps{padding:88px 0 80px}
.rule{list-style:none;margin:44px 0 0;padding:34px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:32px;position:relative;counter-reset:st}
.rule::before{content:"";position:absolute;left:0;right:0;top:0;height:6px;border-radius:3px;background:var(--hl)}
.rule li{position:relative;counter-increment:st}
.rule li::before{content:"";position:absolute;left:0;top:-34px;width:64px;height:6px;border-radius:3px;background:var(--graphite)}
.rule li::after{content:"0" counter(st);position:absolute;right:0;top:-10px;font-family:var(--fd);font-weight:600;font-size:13px;letter-spacing:.08em;color:var(--accent-deep)}
.rule h3{font-size:22px;letter-spacing:-.015em}
.rule p{margin-top:8px;font-size:16px;color:var(--text)}
.rule .out{display:block;margin-top:14px;font-family:var(--fd);font-weight:500;font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:var(--graphite)}
@media(max-width:760px){.steps{padding:60px 0 52px}.rule{grid-template-columns:1fr;gap:30px;padding-top:0;padding-left:30px}.rule::before{left:9px;right:auto;top:0;bottom:0;width:6px;height:auto}.rule li::before{left:-30px;top:12px;width:6px;height:40px;background:var(--graphite)}.rule li::after{position:static;display:block;margin-bottom:6px}}

/* band: dune photo under a graphite veil, two-line tagline reveal */
.band{position:relative;overflow:hidden;background:var(--graphite);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(180deg,rgba(30,31,28,.78) 0%,rgba(30,31,28,.66) 100%)}
.band-in{position:relative;z-index:1;padding:110px 0;max-width:840px;margin:0 auto;text-align:center}
.band .kick{color:var(--hl)}
.band h2{color:#fff;font-size:clamp(32px,4.8vw,58px);margin-top:16px;letter-spacing:-.025em;line-height:1.08}
.band h2 .w{display:inline-block;opacity:.28;transform:translateY(6px);transition:opacity .6s cubic-bezier(.22,1,.36,1),transform .6s cubic-bezier(.22,1,.36,1)}
.band h2 .w.on{opacity:1;transform:none}
.band p{margin:18px auto 0;font-size:17.5px;color:#E9E4D6;max-width:560px}
@media(prefers-reduced-motion:reduce){.band h2 .w{opacity:1;transform:none;transition:none}}
@media(max-width:600px){.band-in{padding:68px 0}}

/* why: graphite band, dune-line SVG left, three short reasons right */
.why{background:var(--ink);color:var(--foot-text);padding:92px 0;overflow:hidden}
.why-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:64px;align-items:center}
.why .kick{color:var(--hl)}
.why h2{color:#fff;font-size:clamp(28px,3.6vw,42px);margin-top:12px;letter-spacing:-.02em}
.why-lead{margin-top:14px;color:var(--dim);font-size:16.5px}
.trio{list-style:none;margin:28px 0 0;padding:0}
.trio li{display:grid;grid-template-columns:30px 1fr;gap:14px;padding:20px 0;border-top:1px solid rgba(230,225,212,.16)}
.trio li:last-child{border-bottom:1px solid rgba(230,225,212,.16)}
.trio li>i{display:block;width:22px;height:5px;border-radius:3px;background:var(--accent);margin-top:11px}
.trio h3{color:#fff;font-size:19px}
.trio p{margin-top:6px;color:var(--dim);font-size:15.5px}
.art{width:100%;border-radius:var(--r);background:#272925;border:1px solid rgba(230,225,212,.12)}
@media(max-width:900px){.why{padding:64px 0}.why-grid{grid-template-columns:1fr;gap:36px}.art{max-width:560px;margin:0 auto}}

/* guides: three short reads */
.guides{padding:88px 0 80px}
.reads{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:36px}
.read{display:block;text-decoration:none;color:var(--text);background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px 22px 22px;transition:transform .5s cubic-bezier(.22,1,.36,1),box-shadow .5s,border-color .5s}
.read:hover{transform:translateY(-4px);box-shadow:0 26px 50px -26px rgba(30,31,28,.35);border-color:var(--tint2)}
.read .n{font-family:var(--fd);font-weight:600;font-size:12px;letter-spacing:.1em;color:var(--accent-deep);text-transform:uppercase}
.read h3{font-size:20px;margin-top:10px;letter-spacing:-.015em}
.read p{margin-top:10px;font-size:15.5px;color:var(--muted)}
.read .go{display:inline-block;margin-top:16px;font-family:var(--fd);font-weight:600;font-size:14px;color:var(--ink);padding:0 2px;background:linear-gradient(var(--hl),var(--hl)) no-repeat 0 85%/100% 8px}
@media(max-width:860px){.guides{padding:60px 0 52px}.reads{grid-template-columns:1fr}}

/* faq: six numbered short answers in two columns */
.faq{padding:0 0 88px}
.qa{margin-top:32px;display:grid;grid-template-columns:1fr 1fr;gap:0 56px}
.qa>div{padding:22px 0 24px;border-top:1px solid var(--line);display:grid;grid-template-columns:40px 1fr;gap:12px}
.qa>div>span{font-family:var(--fd);font-weight:600;font-size:13px;letter-spacing:.08em;color:var(--accent-deep);padding-top:5px}
.qa h3{font-size:18.5px;letter-spacing:-.01em;line-height:1.3}
.qa p{margin-top:8px;font-size:16px;color:var(--text)}
@media(max-width:760px){.faq{padding-bottom:60px}.qa{grid-template-columns:1fr;gap:0}.qa>div{padding:18px 0 20px;grid-template-columns:34px 1fr}}

/* close: cream band with a highlighter underline headline */
.close{padding:84px 0;background:var(--accent-tint);border-top:1px solid var(--tint2)}
.close-in{display:grid;grid-template-columns:1fr auto;gap:28px 48px;align-items:center}
.close h2{font-size:clamp(28px,3.6vw,42px);letter-spacing:-.02em;margin-top:12px}
.close h2 em{font-style:normal;padding:0 4px;background:linear-gradient(var(--hl),var(--hl)) no-repeat 0 82%/100% 14px}
.close p{margin-top:10px;color:var(--muted);max-width:560px}
@media(max-width:760px){.close{padding:60px 0}.close-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(230,225,212,.14)}
.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(245,197,66,.45);padding-bottom:2px}
.foot-back{color:var(--foot-text)}
.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(230,225,212,.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(230,225,212,.14)}
.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 (guides, how-it-works, contact, privacy, terms, unsubscribe, do-not-sell, 404) */
.sub main{background:var(--bg)}
.prose{max-width:740px;padding:56px 20px 88px}
.prose h1{font-size:clamp(32px,4.4vw,44px);letter-spacing:-.025em}
.prose .updated{margin-top:10px;font-family:var(--fd);font-weight:500;font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--accent-deep)}
.prose h2{font-size:24px;margin-top:40px;padding-top:22px;border-top:1px solid var(--line);letter-spacing:-.015em}
.prose h3{font-size:19px;margin-top:26px}
.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(--accent-deep)}
.prose strong{color:var(--ink);font-weight:600}
.prose a{color:var(--accent-deep);text-decoration:underline;text-underline-offset:3px}
.prose .btn{margin-top:22px;margin-right:10px;text-decoration:none}
.prose .btn-primary{color:var(--ink)}
.prose .btn-ghost{color:var(--ink)}
.prose .lead{font-size:19px;color:var(--text);margin-top:18px}
.prose .note{margin-top:22px;background:var(--card);border:1px solid var(--line);border-left:5px solid var(--accent);border-radius:var(--r);padding:18px 20px}
.prose table{width:100%;border-collapse:collapse;margin-top:18px;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(--accent-tint)}
.prose .crumbs{margin:0 0 14px;padding:0;list-style:none;display:flex;flex-wrap:wrap;gap:6px;font-size:13.5px;color:var(--muted)}
.prose .crumbs a{text-decoration:none;color:var(--graphite)}
.prose .related{margin-top:36px;padding-top:22px;border-top:1px solid var(--line)}

.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}