:root{
  --paper:#fbf8f2; --paper-2:#f3eee4; --ink:#1f2524; --ink-2:#4a5553; --muted:#75807d; --line:#e4ddcf;
  --accent:#0f6e6a; --accent-ink:#0b4f4c; --accent-soft:#dff1ee;
  --new:#166534; --new-bg:#dcfce7; --soon:#9a3412; --soon-bg:#ffedd5; --warn:#7c2d12; --warn-bg:#fef3c7;
  --radius:10px; --max:1120px;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,Inter,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.55 var(--sans)}
a{color:var(--accent-ink)}
a:hover{color:var(--accent)}
h1,h2,h3{font-family:var(--serif);font-weight:600;letter-spacing:-.01em;line-height:1.15;margin:0 0 .4em}
h1{font-size:clamp(1.9rem,4vw,2.9rem)}
h2{font-size:1.35rem;margin-top:1.6em}
h3{font-size:1.12rem}
main{max-width:var(--max);margin:0 auto;padding:0 16px 48px}
.sr-only{position:absolute;left:-9999px}
.muted{color:var(--muted)} .small{font-size:.86rem}

.preview-banner{background:#1f2524;color:#fbf8f2;text-align:center;font-size:.84rem;padding:6px 12px}
.site-header{max-width:var(--max);margin:0 auto;padding:18px 16px 10px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.brand-mark{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:9px;background:var(--accent);color:#fff;font:700 1.25rem var(--serif)}
.brand-name{font:600 1.15rem var(--serif)}
.brand-tag{display:none;white-space:nowrap;color:var(--muted);font-size:.8rem;padding-left:10px;border-left:1px solid var(--line)}
@media(min-width:1100px){.brand-tag{display:inline}}
.site-header nav{display:flex;flex-wrap:wrap;gap:4px 12px;font-size:.88rem}
.site-header nav a{text-decoration:none;color:var(--ink-2);padding:4px 0;border-bottom:2px solid transparent}
.site-header nav a.active,.site-header nav a:hover{color:var(--accent-ink);border-color:var(--accent)}

.hero{padding:28px 0 8px;max-width:760px}
.lede{font-size:1.12rem;color:var(--ink-2);margin:.2em 0 1em}
.promise{list-style:none;padding:0;margin:0 0 1.2em;display:flex;flex-wrap:wrap;gap:8px 22px;font-size:.95rem;color:var(--ink-2)}
.promise li::before{content:"✓ ";color:var(--accent);font-weight:700}
.cta-row{display:flex;flex-wrap:wrap;gap:10px}
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:600;padding:11px 18px;border-radius:8px;border:1px solid var(--accent)}
.btn:hover{background:var(--accent-ink);color:#fff}
.btn-ghost{background:transparent;color:var(--accent-ink)}
.btn-ghost:hover{background:var(--accent-soft)}
.btn-link{background:none;border:0;color:var(--accent-ink);text-decoration:underline;cursor:pointer;font:inherit;padding:0}

.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:18px 0 14px;padding:16px;background:var(--paper-2);border:1px solid var(--line);border-radius:var(--radius)}
@media(min-width:760px){.stats{grid-template-columns:repeat(4,1fr)}}
.stats div{display:flex;flex-direction:column}
.stats b{font:600 1.7rem var(--serif);color:var(--accent-ink)}
.stats span{font-size:.86rem;color:var(--ink-2)}
.stats .asof{grid-column:1/-1;font-size:.8rem;color:var(--muted);border-top:1px dashed var(--line);padding-top:8px}

.filters{position:sticky;top:0;z-index:5;background:var(--paper);border-bottom:1px solid var(--line);padding:10px 0;display:flex;flex-wrap:wrap;align-items:end;gap:8px 14px;font-size:.9rem}
.filters label{display:flex;flex-direction:column;gap:3px;color:var(--ink-2)}
.filters .f-search{flex:1 1 180px}
.filters input[type=search],.filters select{font:inherit;padding:7px 9px;border:1px solid var(--line);border-radius:7px;background:#fff;color:var(--ink);min-width:120px}
.filters .f-check{flex-direction:row;align-items:center;gap:6px;padding-bottom:7px}
.f-count{margin-left:auto;color:var(--muted);padding-bottom:7px}

.list{display:grid;gap:14px;margin-top:16px}
@media(min-width:900px){.list{grid-template-columns:1fr 1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;display:flex;flex-direction:column;gap:8px}
.card[hidden]{display:none}
.card-top{display:flex;flex-wrap:wrap;align-items:center;gap:6px;font-size:.8rem}
.agency{color:var(--muted);margin-left:auto}
.card h3 a{text-decoration:none;color:var(--ink)}
.card h3 a:hover{color:var(--accent-ink);text-decoration:underline}
.purpose{margin:0;color:var(--ink-2);font-size:.93rem}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:4px 0 0;font-size:.88rem}
.facts div{display:flex;flex-direction:column}
.facts dt{color:var(--muted);font-size:.74rem;text-transform:uppercase;letter-spacing:.04em}
.facts dd{margin:0;font-weight:600}
.facts dd.ok{color:var(--new)}
.chips{display:flex;flex-wrap:wrap;gap:6px;margin:0}
.chip{font-size:.76rem;padding:2px 8px;border-radius:999px;background:var(--paper-2);color:var(--ink-2);border:1px solid var(--line)}
.chip-warn{background:var(--warn-bg);color:var(--warn);border-color:transparent}
.chip-ok{background:var(--new-bg);color:var(--new);border-color:transparent}
.badge{font-size:.74rem;font-weight:700;padding:2px 8px;border-radius:5px;letter-spacing:.02em}
.badge-new{background:var(--new-bg);color:var(--new)}
.badge-soon{background:var(--soon-bg);color:var(--soon)}
.badge-rolling{background:var(--paper-2);color:var(--ink-2)}
.badge-forecast{background:#e0e7ff;color:#3730a3}
.forecast-note{background:var(--warn-bg);padding:10px 12px;border-radius:8px}
.badge-loan{background:#e0e7ff;color:#3730a3}
.empty{grid-column:1/-1;text-align:center;padding:30px;color:var(--muted)}

.signup{margin:40px 0 0;padding:26px;border-radius:var(--radius);background:var(--accent-ink);color:#eef7f6;display:grid;gap:18px}
@media(min-width:760px){.signup{grid-template-columns:1.2fr 1fr;align-items:center}}
.signup h2{margin-top:0;color:#fff}
.signup p{margin:0;color:#cfe5e2;font-size:.95rem}
.signup-form{display:flex;flex-wrap:wrap;gap:8px}
.signup-form input{flex:1 1 200px;font:inherit;padding:11px 12px;border-radius:8px;border:1px solid transparent}
.signup-form button{font:inherit;font-weight:700;padding:11px 16px;border-radius:8px;border:0;background:#f5c84b;color:#1f2524;cursor:pointer}
.signup-form .form-note{flex-basis:100%;font-size:.82rem;color:#b8d6d2}
.signup.compact{margin-top:28px}

.detail{max-width:860px}
.crumbs{font-size:.85rem;color:var(--muted);margin:18px 0 6px}
.source-line{font-size:.85rem;color:var(--muted);margin:0 0 18px}
.keyfacts{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;margin:0 0 20px}
@media(min-width:860px){.detail{display:grid;grid-template-columns:1fr 300px;column-gap:28px}.detail>.crumbs,.detail>.card-top,.detail>h1,.detail>.source-line,.detail>.similar,.detail>.disclaimer{grid-column:1/-1}.keyfacts{grid-column:2;grid-row:5;align-self:start;position:sticky;top:70px}.detail .body{grid-column:1;grid-row:5}}
.keyfacts dl{margin:0 0 14px;display:grid;gap:10px}
.keyfacts dt{font-size:.74rem;text-transform:uppercase;letter-spacing:.04em;color:var(--muted)}
.keyfacts dd{margin:0;font-weight:600}
.keyfacts dd.big{font-size:1.15rem;color:var(--soon)}
.keyfacts dd.big.neutral{color:var(--ink)}
.btn-apply{display:block;text-align:center;font-size:1.02rem;background:#d97706;border-color:#d97706}
.btn-apply:hover{background:#b45309}
.body h2{font-size:1.2rem;margin-top:1.5em}
.body p{margin:.4em 0}
.body .facts{grid-template-columns:1fr;gap:6px}
.body .facts div{flex-direction:row;gap:10px}
.body .facts dt{flex:0 0 200px;text-transform:none;letter-spacing:0;font-size:.9rem;color:var(--muted)}
.body .facts dd{font-weight:500}
.links{padding-left:1.1em}
.similar ul{padding-left:1.1em}
.disclaimer{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);padding-top:12px;margin-top:20px}

.prose{max-width:720px;padding-top:20px}
.prose ul{padding-left:1.2em}

.site-footer{border-top:1px solid var(--line);background:var(--paper-2);padding:28px 16px 40px;font-size:.85rem;color:var(--ink-2)}
.foot-grid{max-width:var(--max);margin:0 auto;display:grid;gap:18px}
@media(min-width:760px){.foot-grid{grid-template-columns:repeat(3,1fr)}}

.subnav{display:flex;flex-wrap:wrap;gap:6px;margin:4px 0 20px;font-size:.88rem}
.subnav a{text-decoration:none;padding:5px 11px;border-radius:999px;border:1px solid var(--line);background:#fff;color:var(--ink-2)}
.subnav a.active,.subnav a:hover{background:var(--accent-soft);border-color:var(--accent);color:var(--accent-ink)}
.scams .tells,.scams .checklist{padding-left:1.3em}
.scams .tells li,.scams .checklist li{margin:0 0 .7em}
.scams .lede{font-size:1.08rem}

.cat-grid{margin:18px 0 6px}
.cat-grid h2{margin:0 0 10px;font-size:1.1rem}
.cat-grid ul{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,1fr);gap:6px}
@media(min-width:640px){.cat-grid ul{grid-template-columns:repeat(3,1fr)}}
@media(min-width:960px){.cat-grid ul{grid-template-columns:repeat(4,1fr)}}
.cat-grid li{display:flex;justify-content:space-between;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:8px;padding:8px 11px;font-size:.9rem}
.cat-grid li.active{border-color:var(--accent);background:var(--accent-soft)}
.cat-grid li a{text-decoration:none;color:var(--ink)}
.cat-grid li a:hover{color:var(--accent-ink);text-decoration:underline}
.cat-grid li span{color:var(--muted);font-size:.8rem;font-variant-numeric:tabular-nums}
.chip[href]{text-decoration:none}
.chip[href]:hover{background:var(--accent-soft);color:var(--accent-ink);border-color:var(--accent)}
.cat-index ul{list-style:none;padding:0}
.cat-index li{padding:12px 0;border-bottom:1px solid var(--line)}
.cat-index h3{margin:0 0 4px}
.cat-index h3 span{font-weight:400;font-size:.85rem}
.cat-index p{margin:0;color:var(--ink-2);font-size:.95rem}

.state-list{list-style:none;padding:0;display:grid;grid-template-columns:repeat(2,1fr);gap:6px}
@media(min-width:760px){.state-list{grid-template-columns:repeat(3,1fr)}}
.state-list li{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:8px;padding:8px 11px;font-size:.92rem}
.state-list li.soon{opacity:.6;background:transparent}
.state-list li.live{border-color:var(--accent);background:var(--accent-soft)}
.state-list a{text-decoration:none;font-weight:600;color:var(--ink)}
.st-status{font-size:.78rem;color:var(--muted)} .st-status.ok{color:var(--new)}
.status-line{background:var(--warn-bg);padding:10px 12px;border-radius:8px}
.state .links{padding-left:1.1em}

.home-section{margin:30px 0 0}
.home-section h2{font-size:1.35rem;margin:0 0 12px}
.home-section .more{margin:14px 0 0;display:flex;flex-wrap:wrap;gap:10px 14px;align-items:center}
.cat-grid-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,1fr);gap:6px}
@media(min-width:640px){.cat-grid-list{grid-template-columns:repeat(3,1fr)}}
@media(min-width:960px){.cat-grid-list{grid-template-columns:repeat(4,1fr)}}
.cat-grid-list li{display:flex;justify-content:space-between;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:8px;padding:8px 11px;font-size:.9rem}
.cat-grid-list li.live{border-color:var(--accent);background:var(--accent-soft)}
.cat-grid-list a{text-decoration:none;color:var(--ink);font-weight:600}
.cat-grid-list span{color:var(--muted);font-size:.8rem}
.home-prose,.prose.below{max-width:760px;margin-top:34px}
.home-prose h2,.prose.below h2{margin-top:1.6em}
.cat-prose{max-width:760px;padding:0;margin:0 0 8px}
.cat-prose p{margin:0;font-size:1.02rem;color:var(--ink-2)}
.faq{border-top:1px solid var(--line);padding:10px 0}
.faq summary{cursor:pointer;font-weight:600}
.faq p{margin:8px 0 0;color:var(--ink-2)}

.faq-page{max-width:780px}
.toc ol{columns:2;gap:24px;padding-left:1.2em;margin:0 0 10px}
.toc li{break-inside:avoid;padding:3px 0}
.faq-section{margin-top:36px}
.faq-section h2{border-bottom:2px solid var(--accent-soft);padding-bottom:6px}
.faq-item{padding:14px 0;border-bottom:1px solid var(--line)}
.faq-item h3{font-size:1.08rem;margin:0 0 6px}
.faq-item p{margin:0;color:var(--ink-2)}
.anchor{opacity:0;text-decoration:none;font-weight:400;margin-left:6px}
.faq-item:hover .anchor,.anchor:focus{opacity:.6}

.home-top{display:grid;gap:28px;padding:28px 0 8px;align-items:center}
@media(min-width:960px){.home-top{grid-template-columns:1.15fr 1fr;gap:48px}}
.home-hero h1{font-size:clamp(2.2rem,5vw,3.6rem)}
.checks{list-style:none;padding:0;margin:0 0 1.3em;display:grid;gap:8px;color:var(--ink-2)}
.checks li{padding-left:28px;position:relative}
.checks li::before{content:"✓";position:absolute;left:0;top:0;width:20px;height:20px;border-radius:50%;border:1.5px solid var(--accent);color:var(--accent);font-size:.75rem;font-weight:700;display:grid;place-items:center}
.alert-card{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:0 10px 30px -12px rgba(15,40,38,.25)}
.alert-card-head{background:var(--accent-ink);color:#fff;text-align:center;padding:22px 20px 20px}
.alert-card-head .pill{display:inline-block;background:#f59e0b;color:#1f2524;font-weight:700;font-size:.82rem;padding:4px 12px;border-radius:6px}
.alert-card-head h2{color:#fff;margin:10px 0 4px;font-size:1.55rem}
.alert-card-head p{margin:0;color:#cfe5e2;font-size:.95rem}
.alert-form{padding:20px;display:flex;flex-direction:column;gap:6px}
.alert-form label{font-weight:600;font-size:.9rem;margin-top:6px}
.alert-form input,.alert-form select{font:inherit;padding:10px 11px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink);width:100%}
.alert-form input:focus,.alert-form select:focus{outline:2px solid var(--accent-soft);border-color:var(--accent)}
.alert-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.alert-row>div{display:flex;flex-direction:column;gap:6px}
.alert-form .hint{margin:4px 0 0;font-size:.82rem;color:var(--muted)}
.alert-form button{margin-top:10px;font:inherit;font-weight:700;font-size:1.05rem;padding:13px;border-radius:9px;border:0;background:#f59e0b;color:#1f2524;cursor:pointer;box-shadow:0 4px 12px -4px rgba(217,119,6,.55)}
.alert-form button:hover{background:#ea8c06}
.alert-form .form-note{margin:4px 0 0;font-size:.8rem;color:var(--muted);text-align:center}
.alert-form .trust{list-style:none;padding:10px 0 0;margin:6px 0 0;border-top:1px solid var(--line);display:flex;justify-content:space-around;font-size:.84rem;color:var(--ink-2)}
.alert-form .trust li::before{content:"✓ ";color:var(--accent);font-weight:700}