/* Pathway Lenders — pathwayslender.com */
:root{
  --terra:#A0522D; --terra-dark:#8A4526; --terra-deep:#6E3115;
  --olive:#5F6B3C; --olive-dark:#4C562F;
  --sand:#EFE7D8; --sand-light:#F8F4EC;
  --brown:#4A3728; --brown-soft:#6D5B46;
  --white:#FFFFFF; --line:#DCD2C0;
  --radius:14px; --shadow:0 8px 28px rgba(74,55,40,.14);
  --maxw:1180px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Georgia,'Times New Roman',serif;color:var(--brown);background:var(--white);line-height:1.75;font-size:1.05rem}
img{max-width:100%;height:auto;display:block}
a{color:var(--terra-dark)}
a:focus-visible,button:focus-visible{outline:3px solid var(--olive);outline-offset:2px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--brown);color:#fff;padding:10px 18px;z-index:2147483001}
.skip-link:focus{left:8px}
.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}
h1,h2,h3{text-wrap:balance;line-height:1.25;color:var(--brown)}
h1{font-size:2.2rem}h2{font-size:1.6rem;margin:2.2rem 0 .9rem}h3{font-size:1.22rem;margin:1.6rem 0 .6rem}
p{margin:0 0 1.05rem}
ul,ol{margin:0 0 1.05rem 1.4rem}
.answer-lead{text-wrap:balance;font-size:1.12rem;background:var(--sand-light);border-left:4px solid var(--olive);padding:12px 16px;border-radius:0 10px 10px 0;margin-bottom:1.1rem}

/* ===== NAV (sticky, z-index fix for third-party form) ===== */
.site-header{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:var(--white);border-bottom:1px solid var(--line);box-shadow:0 2px 10px rgba(74,55,40,.07)}
.nav-wrap{display:flex;align-items:center;gap:6px;max-width:var(--maxw);margin:0 auto;padding:10px 20px;font-family:'Segoe UI',system-ui,sans-serif}
.logo{display:flex;align-items:center;gap:9px;font-weight:700;font-size:1.14rem;color:var(--brown);text-decoration:none;margin-right:10px;white-space:nowrap}
.logo img{width:34px;height:34px}
.nav-links{display:flex;align-items:center;gap:2px;list-style:none;margin:0}
.nav-links>li{position:relative}
.nav-links a,.nav-links button.drop-btn{display:flex;align-items:center;gap:5px;padding:11px 13px;min-height:44px;color:var(--brown);text-decoration:none;font-size:.97rem;background:none;border:none;cursor:pointer;font-family:inherit;border-radius:8px}
.nav-links a:hover,.nav-links button.drop-btn:hover{background:var(--sand)}
.nav-spacer{flex:1 1 auto;min-width:40px}
.btn-apply{background:var(--terra);color:#fff !important;padding:11px 26px;border-radius:10px;font-weight:700;text-decoration:none;font-size:1rem;min-height:44px;display:inline-flex;align-items:center;white-space:nowrap}
.btn-apply:hover{background:var(--terra-dark)}
.dropdown{position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);min-width:245px;padding:8px;display:none;flex-direction:column}
.nav-links li:hover>.dropdown,.nav-links li:focus-within>.dropdown,.dropdown.open{display:flex}
.dropdown a{padding:10px 14px;border-radius:8px;display:block}
.caret{font-size:.62rem;color:var(--brown-soft)}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-size:1.25rem;color:var(--brown);cursor:pointer;min-height:44px;min-width:44px}

/* ===== HERO — Layout A: Contained Card ===== */
.hero{background:var(--sand-light);padding:52px 0}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center;max-width:var(--maxw);margin:0 auto;padding:0 20px}
.hero-text .kicker{font-family:'Segoe UI',system-ui,sans-serif;color:var(--olive-dark);font-weight:600;letter-spacing:.4px;margin-bottom:10px}
.hero-text h1{margin-bottom:14px}
.hero-text .sub{font-size:1.14rem;color:var(--brown-soft);margin-bottom:22px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.hero-cta .btn-apply{padding:14px 32px;font-size:1.06rem}
.btn-ghost{border:2px solid var(--olive);color:var(--olive-dark);padding:12px 26px;border-radius:10px;text-decoration:none;font-family:'Segoe UI',system-ui,sans-serif;font-weight:600;min-height:44px;display:inline-flex;align-items:center}
.btn-ghost:hover{background:var(--sand)}
.hero-media img{border-radius:16px;box-shadow:var(--shadow);width:100%;object-fit:cover}
.trust-strip{display:flex;gap:26px;flex-wrap:wrap;margin-top:22px;font-family:'Segoe UI',system-ui,sans-serif;font-size:.93rem;color:var(--brown-soft)}
.trust-strip span::before{content:"✓ ";color:var(--olive)}

/* ===== APIFLAG FORM CARD (outer wrapper only — never touch the embed) ===== */
.form-zone{padding:46px 0;background:var(--white)}
.form-card{position:relative;z-index:1;isolation:isolate;max-width:1020px;margin:0 auto;background:#fff;border-radius:16px;box-shadow:0 8px 28px rgba(74,55,40,.14);padding:30px 30px 24px;border-top:5px solid transparent;background-image:linear-gradient(#fff,#fff),linear-gradient(90deg,var(--terra),var(--olive));background-origin:border-box;background-clip:padding-box,border-box}
.form-card h2{margin:0 0 4px;font-size:1.45rem}
.form-card .trust-line{font-family:'Segoe UI',system-ui,sans-serif;color:var(--brown-soft);font-size:.95rem;margin-bottom:16px}

/* ===== LAYOUT: main + sidebar ===== */
.page-body{padding:44px 0}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;max-width:var(--maxw);margin:0 auto;padding:0 20px}
article.content{min-width:0}
.sidebar{display:flex;flex-direction:column;gap:18px}
.side-box{background:var(--sand-light);border:1px solid var(--line);border-radius:12px;padding:18px;font-family:'Segoe UI',system-ui,sans-serif;font-size:.95rem}
.side-box h3{margin:0 0 10px;font-size:1.03rem}
.side-box ul{list-style:none;margin:0}
.side-box li{padding:5px 0;border-bottom:1px dashed var(--line)}
.side-box li:last-child{border-bottom:none}
.side-box.accent{background:var(--terra);color:#fff}
.side-box.accent h3,.side-box.accent a{color:#fff}
.side-box .mini-note{font-size:.83rem;color:var(--brown-soft)}
.side-box.accent .mini-note{color:#F3E3D8}

/* breadcrumb */
.breadcrumb{font-family:'Segoe UI',system-ui,sans-serif;font-size:.9rem;color:var(--brown-soft);padding:14px 0}
.breadcrumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0}
.breadcrumb li+li::before{content:"›";margin-right:6px;color:var(--line)}

/* TOC */
.toc{background:var(--sand);border-radius:12px;padding:18px 22px;margin:0 0 1.6rem;font-family:'Segoe UI',system-ui,sans-serif}
.toc h2{margin:0 0 8px;font-size:1.06rem}
.toc ol{margin:0 0 0 1.2rem;columns:2;column-gap:28px;font-size:.95rem}
.toc li{margin-bottom:4px;break-inside:avoid}

/* body image — ONE shared class, no per-image inline styles */
.body-img{width:min(420px,100%);margin:1.6rem auto;border-radius:14px;box-shadow:var(--shadow)}
.body-img-wide{width:100%;margin:1.6rem auto;border-radius:14px;box-shadow:var(--shadow)}

/* cards & grids — always full symmetric rows */
.card-grid{display:grid;gap:22px;margin:1.4rem 0}
.cols-2{grid-template-columns:repeat(2,1fr)}
.cols-3{grid-template-columns:repeat(3,1fr)}
.cols-4{grid-template-columns:repeat(4,1fr)}
.cols-5{grid-template-columns:repeat(5,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:0 4px 16px rgba(74,55,40,.08);display:flex;flex-direction:column}
.card img{width:100%;aspect-ratio:16/10;object-fit:cover}
.card .card-pad{padding:16px 18px;display:flex;flex-direction:column;gap:8px;flex:1}
.card h3{margin:0;font-size:1.08rem}
.card h3 a{text-decoration:none;color:var(--brown)}
.card h3 a:hover{color:var(--terra-dark)}
.card p{font-size:.95rem;color:var(--brown-soft);margin:0;font-family:'Segoe UI',system-ui,sans-serif}
.card .card-link{margin-top:auto;font-family:'Segoe UI',system-ui,sans-serif;font-weight:600;font-size:.93rem}
.amount-card{text-align:center;padding:22px 16px;background:var(--sand-light)}
.amount-card .amt{font-size:1.7rem;font-weight:700;color:var(--terra-deep);font-family:'Segoe UI',system-ui,sans-serif}
.term-card{background:var(--sand-light);border:1px solid var(--line);border-radius:14px;padding:20px;text-align:center;font-family:'Segoe UI',system-ui,sans-serif}
.term-card .mo{font-size:1.45rem;font-weight:700;color:var(--olive-dark)}
.term-card .pay{font-size:1.25rem;color:var(--terra-deep);font-weight:700;margin:6px 0}
.term-card .est{font-size:.83rem;color:var(--brown-soft)}

/* tables */
.table-wrap{overflow-x:auto;margin:1.3rem 0}
table.data{border-collapse:collapse;width:100%;font-family:'Segoe UI',system-ui,sans-serif;font-size:.95rem;background:#fff}
table.data th{background:var(--brown);color:#fff;text-align:left;padding:11px 13px}
table.data td{border:1px solid var(--line);padding:10px 13px;vertical-align:top}
table.data tr:nth-child(even) td{background:var(--sand-light)}

/* mini-FAQ */
.mini-faq details{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;background:#fff}
.mini-faq summary{cursor:pointer;padding:13px 16px;font-weight:700;font-family:'Segoe UI',system-ui,sans-serif;min-height:44px}
.mini-faq .faq-a{padding:0 16px 14px}

/* CTA zone above footer */
.cta-zone{background:linear-gradient(120deg,var(--terra) 0%,var(--terra-dark) 60%,var(--olive-dark) 100%);color:#fff;padding:52px 0;text-align:center}
.cta-zone h2{color:#fff;margin:0 0 10px}
.cta-zone p{color:#F3E3D8;max-width:640px;margin:0 auto 22px}
.cta-zone .btn-apply{background:#fff;color:var(--terra-deep) !important;font-size:1.08rem;padding:14px 34px}
.cta-zone .btn-apply:hover{background:var(--sand)}

/* footer */
.site-footer{background:var(--brown);color:#E8DFD4;font-family:'Segoe UI',system-ui,sans-serif;font-size:.93rem}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:34px;max-width:var(--maxw);margin:0 auto;padding:46px 20px 30px}
.site-footer h3{color:#fff;font-size:1.02rem;margin:0 0 12px}
.site-footer ul{list-style:none;margin:0}
.site-footer li{padding:4px 0}
.site-footer a{color:#E8DFD4;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.footer-brand img{width:38px;height:38px;margin-bottom:10px}
.footer-disclosure{max-width:var(--maxw);margin:0 auto;padding:0 20px 26px;font-size:.83rem;color:#C9BBAA;line-height:1.65;border-top:1px solid #5E4A38}
.footer-disclosure p{margin:14px 0 0}
.footer-bottom{text-align:center;padding:16px 20px;background:#3A2B1F;font-size:.85rem;color:#C9BBAA}

/* scroll to top */
#toTop{position:fixed;right:20px;bottom:22px;background:var(--olive);color:#fff;border:none;border-radius:50%;width:48px;height:48px;font-size:1.2rem;cursor:pointer;display:none;box-shadow:var(--shadow);z-index:2147482000}
#toTop.show{display:block}

/* calculator */
.calc-box{background:var(--sand-light);border:1px solid var(--line);border-radius:16px;padding:26px;font-family:'Segoe UI',system-ui,sans-serif;margin:1.4rem 0}
.calc-box label{display:block;font-weight:600;margin:14px 0 6px}
.calc-box input[type=range]{width:100%}
.calc-box select,.calc-box input[type=number]{width:100%;padding:11px;border:1px solid var(--line);border-radius:8px;font-size:1rem;min-height:44px}
.calc-out{background:#fff;border-radius:12px;padding:18px;margin-top:18px;border:1px solid var(--line)}
.calc-out .big{font-size:1.9rem;font-weight:700;color:var(--terra-deep)}

/* review */
.review-item{border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin-bottom:14px;background:#fff;font-family:'Segoe UI',system-ui,sans-serif}
.review-item .stars{color:var(--terra);letter-spacing:2px}
.review-item .meta{font-size:.85rem;color:var(--brown-soft)}
.rating-summary{display:flex;gap:26px;align-items:center;background:var(--sand-light);border-radius:14px;padding:22px;margin:1.2rem 0;font-family:'Segoe UI',system-ui,sans-serif;flex-wrap:wrap}
.rating-summary .score{font-size:3rem;font-weight:700;color:var(--terra-deep)}

/* blog */
.author-box{display:flex;gap:14px;background:var(--sand-light);border-radius:12px;padding:16px 18px;margin:1.2rem 0;font-family:'Segoe UI',system-ui,sans-serif;font-size:.93rem}
.share-row{display:flex;gap:10px;margin:1.2rem 0;font-family:'Segoe UI',system-ui,sans-serif}
.share-row a{border:1px solid var(--line);border-radius:8px;padding:9px 16px;text-decoration:none;font-size:.9rem;min-height:44px;display:inline-flex;align-items:center}
.share-row a:hover{background:var(--sand)}

/* glossary */
.gloss-term{border-bottom:1px solid var(--line);padding:14px 0}
.gloss-term dt{font-weight:700;font-size:1.08rem}
.gloss-term dd{margin:.4rem 0 0}
.az-nav{display:flex;flex-wrap:wrap;gap:6px;font-family:'Segoe UI',system-ui,sans-serif;margin:1rem 0}
.az-nav a{border:1px solid var(--line);border-radius:6px;padding:6px 10px;text-decoration:none;min-width:34px;text-align:center}

/* misc */
.notice{background:var(--sand);border-radius:10px;padding:14px 18px;font-size:.92rem;font-family:'Segoe UI',system-ui,sans-serif;color:var(--brown-soft);margin:1.2rem 0}
.check-list{list-style:none;margin-left:0}
.check-list li{padding-left:26px;position:relative;margin-bottom:8px}
.check-list li::before{content:"✓";position:absolute;left:0;color:var(--olive);font-weight:700}

/* ===== RESPONSIVE ===== */
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr;gap:28px}
  .hero-media{order:2}
  .layout{grid-template-columns:1fr}
  .cols-3,.cols-4,.cols-5{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .toc ol{columns:1}
  .nav-toggle{display:block;margin-left:auto}
  .nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .nav-links.open{display:flex}
  .nav-links a,.nav-links button.drop-btn{width:100%;justify-content:space-between}
  .dropdown{position:static;box-shadow:none;border:none;padding-left:16px}
  .nav-spacer{display:none}
  .nav-wrap .btn-apply{margin-left:auto;margin-right:8px;padding:9px 18px}
}
@media (max-width:560px){
  h1{font-size:1.65rem}h2{font-size:1.35rem}
  .cols-2,.cols-3,.cols-4,.cols-5{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .form-card{border-radius:12px;padding:20px 16px 16px}
  .hero{padding:34px 0}
  body{font-size:1rem}
}
/* compact text hero for legal/utility pages */
.hero-compact{padding:56px 0 48px}
.hero-compact .hero-text{max-width:760px;margin:0 auto;text-align:center}
.hero-compact .hero-text>*{max-width:100%}