:root{--ink:#17233b;--blue:#173d91;--electric:#2864ec;--green:#32c64a;--yellow:#fbdd18;--orange:#f47b20;--paper:#fff;--mist:#f6f8fc;--line:#dce4f2;--serif:Georgia,'Times New Roman',serif;--sans:Inter,ui-sans-serif,system-ui,-apple-system,'Segoe UI',sans-serif}*{box-sizing:border-box}body{margin:0;background:var(--mist);color:var(--ink);font-family:var(--sans);line-height:1.6}.shell{width:min(1180px,calc(100% - 32px));margin:auto}.narrow{width:min(790px,100%)}a{color:var(--blue);text-underline-offset:3px}.site-header{background:#fff;border-top:6px solid var(--blue);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.nav-row{min-height:76px;display:flex;align-items:center;gap:28px}.brand{font-size:1.45rem;font-weight:900;letter-spacing:-.06em;color:var(--blue);text-decoration:none}.brand span{color:var(--electric)}.site-nav{margin-left:auto;display:flex;align-items:center;gap:20px}.site-nav a{color:#34425e;font-size:.9rem;font-weight:800;text-decoration:none}.site-nav a:hover{color:var(--electric)}.menu-button{display:none;margin-left:auto;border:1px solid var(--line);background:#fff;border-radius:8px;padding:8px 12px;color:var(--blue);font-weight:800}.hero-panel,.home-hero{background:linear-gradient(122deg,var(--blue),var(--electric));color:white}.hero-panel{padding:60px 0 56px}.home-hero{padding:72px 0}.hero-layout{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(280px,.7fr);gap:56px;align-items:center}.hero-panel h1,.home-hero h1{font-size:clamp(2.3rem,5vw,4.25rem);line-height:1.03;letter-spacing:-.055em;margin:0 0 20px;font-weight:900}.hero-panel h1{font-size:clamp(2rem,4vw,3.35rem)}.deck{font-size:1.13rem;max-width:720px;color:#e7efff;margin:0}.eyebrow{color:var(--orange);font-size:.72rem;font-weight:900;letter-spacing:.13em;text-transform:uppercase;margin:0 0 10px}.hero-panel .eyebrow,.home-hero .eyebrow{color:var(--yellow)}.hero-note{background:#fff;color:var(--ink);border-radius:16px;padding:24px;border-bottom:5px solid var(--green);box-shadow:0 16px 40px rgba(10,31,85,.25)}.hero-note p:last-child{font-size:.88rem;margin:0}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.button{display:inline-block;padding:13px 18px;border-radius:9px;font-weight:900;text-decoration:none}.button.primary{background:var(--green);color:#073914}.button.secondary{border:2px solid white;color:white}.notice{margin-top:28px;padding:15px 18px;border-left:5px solid var(--orange);background:#fffaf0;border-radius:4px;font-size:.9rem}.regional-notice{border-left-color:var(--orange);background:#fff7ed}.page-grid{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:30px;padding:30px 0 60px}.article-card,.card{background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 4px 14px rgba(23,61,145,.055)}.article-card{padding:clamp(22px,4vw,50px)}.article-copy{font-family:var(--serif);font-size:1.07rem}.article-copy p{margin:0 0 1.1em}.article-section{padding:0 0 20px;margin:0 0 25px;border-bottom:1px solid var(--line)}.article-section:last-of-type{border-bottom:0}.article-section h2,.section-heading h2,.sidebar h2{font-family:var(--sans);font-size:1.45rem;line-height:1.16;letter-spacing:-.035em;margin:0 0 14px;color:#162b61}.next-step{padding:20px 22px;border-left:5px solid var(--green);background:#effcf1;border-radius:5px;font-family:var(--sans);font-weight:650}.next-step p:last-child{margin-bottom:0}.sidebar{display:grid;align-content:start;gap:18px}.card{padding:22px}.sidebar h2{font-size:1.16rem}.sidebar p{font-size:.9rem}.newsletter{border-top:5px solid var(--orange)}.demo-form{display:grid;gap:10px}.demo-form label{font-size:.8rem;font-weight:800}.demo-form input{display:block;width:100%;margin-top:5px;padding:11px;border:1px solid var(--line);border-radius:7px;font-size:16px}.demo-form button,.calculate{border:0;border-radius:7px;background:var(--blue);color:white;padding:11px 14px;font-weight:900;cursor:pointer}.fine-print{font-size:.73rem!important;color:#67758d}.compact-links,.sitemap-list{padding-left:18px;margin:0}.compact-links li{margin:8px 0;font-size:.9rem}.calculator{margin:0 0 36px;padding:22px;border:1px solid #bcd0fb;border-radius:12px;background:#f4f8ff;font-family:var(--sans)}.calculator h2{margin:0 0 16px;color:#142f76;font-size:1.25rem}.calc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}.calc-grid label{font-size:.8rem;font-weight:800;color:#33425e}.calc-grid input{display:block;width:100%;font-size:16px;margin-top:5px;padding:10px;border:1px solid #b8c6df;border-radius:7px;background:#fff}.calculate{margin-top:16px;background:var(--green);color:#073914}.calc-result{display:none;margin-top:16px;padding:15px;background:white;border:1px solid #ccebd4;border-radius:7px;font-weight:750}.calc-notice{font-size:.78rem;line-height:1.5;margin:15px 0 0;color:#3d4d68}.feature-row{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;padding:27px 0}.feature-row a{padding:20px;background:white;border:1px solid var(--line);border-radius:10px;text-decoration:none;color:var(--ink)}.feature-row span{display:block;color:var(--orange);font-size:.75rem;font-weight:900}.feature-row strong{display:block;margin:2px 0 5px;color:var(--blue)}.feature-row small{font-size:.81rem;color:#5b6980}.section-block{padding:52px 0}.section-block.muted{border-top:1px solid var(--line)}.section-heading{max-width:690px;margin-bottom:22px}.section-heading h2{font-size:clamp(1.8rem,3vw,2.5rem)}.section-heading p:last-child{color:#53627b}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin-bottom:22px}.guide-card{display:flex;min-height:135px;flex-direction:column;justify-content:space-between;padding:21px;background:white;border:1px solid var(--line);border-top:4px solid var(--electric);border-radius:10px;text-decoration:none;transition:transform .16s ease,box-shadow .16s ease}.guide-card:hover{transform:translateY(-3px);box-shadow:0 12px 25px rgba(23,61,145,.1)}.guide-card span{font-weight:900;color:var(--blue);line-height:1.2}.guide-card small{font-size:.78rem;color:#65718a}.text-link{font-weight:900}.site-footer{background:#101c35;color:#b9c5d9;padding:48px 0 20px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:35px}.site-footer a{display:block;color:#d7e5ff;text-decoration:none;margin:6px 0;font-size:.86rem}.site-footer p{font-size:.86rem}.footer-brand{font-size:1.35rem}.footer-title{color:var(--yellow);font-weight:900;margin:0 0 8px!important}.footer-bottom{margin-top:28px;padding-top:18px;border-top:1px solid #31415f;font-size:.76rem}.sitemap-list{columns:2}.sitemap-list li{break-inside:avoid;margin-bottom:9px}.regional{background:linear-gradient(122deg,#503015,#ae5a1b)}@media(max-width:850px){.site-nav{display:none;position:absolute;left:0;right:0;top:76px;background:white;border-bottom:1px solid var(--line);padding:15px 16px;box-shadow:0 8px 20px rgba(0,0,0,.08)}.site-nav.open{display:grid;gap:12px}.menu-button{display:block}.hero-layout,.page-grid{grid-template-columns:1fr}.sidebar{grid-template-columns:repeat(2,minmax(0,1fr))}.feature-row,.guide-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.hero-panel,.home-hero{padding:48px 0}}@media(max-width:570px){.shell{width:min(100% - 24px,1180px)}.sidebar,.feature-row,.guide-grid,.footer-grid,.calc-grid{grid-template-columns:1fr}.hero-panel h1,.home-hero h1{font-size:2.3rem}.article-card{padding:22px 17px}.sitemap-list{columns:1}}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}

/* EyeOnYourCredit identity */
.brand{display:inline-flex;align-items:center;gap:0;white-space:nowrap;letter-spacing:0}.brand .brand-mark{display:block;width:38px;height:38px;object-fit:contain;flex:none;margin-right:9px}.footer-brand .brand-mark{width:32px;height:32px}.footer-brand{white-space:nowrap}@media(max-width:570px){.brand{font-size:1.14rem}.brand .brand-mark{width:32px;height:32px;margin-right:6px}}