/* Staxs Payment — main stylesheet (critical subset is also inlined in <head>) */
:root{--blue:#1d4ed8;--blue-d:#1e3a8a;--navy:#0f1b4d;--purple:#6d28d9;--purple-l:#f3efff;--yellow:#fbbf24;--yellow-d:#f59e0b;
--ink:#1c2541;--muted:#4b5675;--line:#e3e8f4;--bg:#fff;--tint:#f5f7ff;--tint2:#fafbff;--radius:16px;--shadow:0 8px 28px rgba(30,58,138,.12);
--font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--nav-h:72px}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.68;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}a:hover{color:var(--blue-d)}
:focus-visible{outline:3px solid var(--purple);outline-offset:2px}
h1,h2,h3{color:var(--navy);line-height:1.22;text-wrap:balance;letter-spacing:-.01em}
h1{font-size:clamp(2rem,3.4vw,2.85rem);margin:.2em 0 .35em}
h2{font-size:clamp(1.45rem,2.2vw,1.85rem);margin:2.1em 0 .55em}
h3{font-size:1.2rem;margin:1.6em 0 .45em}
p{margin:0 0 1.05em}
.container{max-width:1200px;margin:0 auto;padding-inline:24px}
.skip{position:absolute;left:-9999px;top:8px;background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px;z-index:2147483646}
.skip:focus{left:12px}
/* ---------- NAV ---------- */
.site-header{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:rgba(255,255,255,.97);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;height:var(--nav-h);gap:6px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.18rem;letter-spacing:-.02em;margin-right:22px;white-space:nowrap}
.logo img{width:38px;height:38px}
.logo span b{color:var(--purple);font-weight:800}
.menu{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0;flex:1}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{display:flex;align-items:center;gap:6px;min-height:44px;padding:0 13px;border:0;background:none;font:600 .95rem var(--font);color:var(--ink);text-decoration:none;border-radius:10px;cursor:pointer}
.menu>li>a:hover,.menu>li>button:hover,.menu>li.open>button{background:var(--tint);color:var(--blue)}
.menu>li>a[aria-current="page"]{color:var(--blue)}
.caret{width:9px;height:9px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px)}
.menu .spacer{flex:1}
.btn-apply{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 24px;border-radius:999px;background:var(--yellow);color:var(--navy)!important;font-weight:800;text-decoration:none;box-shadow:0 4px 14px rgba(245,158,11,.35);white-space:nowrap}
.btn-apply:hover{background:var(--yellow-d)}
.menu>li>a.btn-apply{background:var(--yellow);color:var(--navy);padding:0 24px;border-radius:999px;min-height:46px}
.menu>li>a.btn-apply:hover{background:var(--yellow-d);color:var(--navy)}
.dd{position:absolute;top:100%;left:0;margin:0;min-width:250px;list-style:none;padding:10px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);
visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:5}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.menu>li:hover>.dd,.menu>li:focus-within>.dd,.menu>li.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.dd a{display:flex;align-items:center;min-height:44px;padding:0 12px;border-radius:9px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem}
.dd a:hover{background:var(--purple-l);color:var(--purple)}
.burger{display:none;margin-left:auto;width:46px;height:46px;border:1px solid var(--line);border-radius:12px;background:#fff;cursor:pointer;align-items:center;justify-content:center}
.burger span,.burger span::before,.burger span::after{display:block;width:20px;height:2px;background:var(--navy);position:relative;content:""}
.burger span::before{position:absolute;top:-6px}.burger span::after{position:absolute;top:6px}
/* ---------- HERO (Layout B: split half-screen) ---------- */
.hero{display:grid;grid-template-columns:1fr 1fr;min-height:540px;background:linear-gradient(180deg,#fff 0%,var(--tint) 100%)}
.hero-text{display:flex;flex-direction:column;justify-content:center;align-items:center;padding:48px 40px}
.hero-text>*{width:100%;max-width:540px}
.hero-inner{display:flex;flex-direction:column;align-items:flex-start}
.hero-media{position:relative;min-height:540px;overflow:hidden}
.hero-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 22%}
.crumbs{font-size:.88rem;color:var(--muted);margin-bottom:6px}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:4px 8px}
.crumbs li+li::before{content:"/";margin-right:8px;color:#9aa4c2}
.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--blue);text-decoration:underline}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:var(--purple);background:var(--purple-l);padding:5px 12px;border-radius:999px;margin-bottom:4px}
.updated{font-size:.9rem;color:var(--muted);margin:0 0 14px}
.hero-sub{font-size:1.1rem;color:var(--muted);margin-bottom:22px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px}
.btn-ghost{display:inline-flex;align-items:center;min-height:46px;padding:0 20px;border-radius:999px;border:2px solid var(--blue);color:var(--blue);font-weight:700;text-decoration:none}
.btn-ghost:hover{background:var(--blue);color:#fff}
.byline{font-size:.93rem;color:var(--muted);margin:0 0 6px}.byline strong{color:var(--navy)}
/* ---------- FORM CARD ---------- */
.form-sec{padding:44px 0 8px;scroll-margin-top:calc(var(--nav-h) + 12px)}
.form-wrap{max-width:1020px;margin:0 auto;padding-inline:24px}
.form-card{position:relative;z-index:1;isolation:isolate;background:#fff;border-radius:16px;box-shadow:0 8px 28px rgba(30,58,138,.14);border:1px solid var(--line);padding:34px 34px 26px;overflow:hidden}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,var(--blue),var(--purple) 60%,var(--yellow))}
.form-card h2{margin:0 0 6px;font-size:1.6rem}
.form-card .trust{color:var(--muted);margin-bottom:18px;font-size:.98rem}
.form-embed{position:relative;z-index:1;isolation:isolate;min-height:120px}
/* ---------- SECTIONS ---------- */
.band{padding:56px 0}
.band.tint{background:var(--tint)}
.band h2{margin-top:0}
.band .lead{color:var(--muted);max-width:720px;margin-bottom:26px}
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}.g5{grid-template-columns:repeat(5,minmax(0,1fr))}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:box-shadow .2s,transform .2s;min-width:0}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.card .ph{display:block;aspect-ratio:4/3;overflow:hidden;background:var(--tint)}
.card .ph img{width:100%;height:100%;object-fit:cover;object-position:50% 25%}
.g2 .card .ph{aspect-ratio:16/9}
.card .cb{padding:18px 20px 20px;display:flex;flex-direction:column;gap:8px;flex:1}
.card h3{margin:0;font-size:1.12rem}
.card h3 a{color:var(--navy);text-decoration:none}.card h3 a:hover{color:var(--blue)}
.card p{margin:0;color:var(--muted);font-size:.95rem;line-height:1.55}
.card .go{margin-top:auto;font-weight:700;font-size:.93rem;text-decoration:none}
.amt-card .figure{font-size:1.65rem;font-weight:800;color:var(--blue);letter-spacing:-.02em}
.tag{align-self:flex-start;font-size:.75rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--purple);background:var(--purple-l);padding:3px 10px;border-radius:999px}
.term-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-align:center}
.term-card .t{font-weight:800;color:var(--navy);font-size:1.05rem}
.term-card .pmt{font-size:2rem;font-weight:800;color:var(--blue);margin:6px 0 2px}
.term-card .note{font-size:.85rem;color:var(--muted);margin:0}
/* ---------- LAYOUT ---------- */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:44px;align-items:start;padding-block:48px 64px}
article.main{min-width:0}
.answer-lead{font-size:1.16rem;line-height:1.62;color:var(--navy);background:var(--tint);border-left:4px solid var(--blue);padding:18px 22px;border-radius:0 12px 12px 0;text-wrap:balance}
.toc{background:var(--tint2);border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:4px 0 26px}
.toc-title{font-weight:800;color:var(--navy);margin:0 0 8px;font-size:.95rem;letter-spacing:.04em;text-transform:uppercase}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:28px}
.toc li{break-inside:avoid;margin:3px 0;font-size:.95rem}
.toc a{text-decoration:none}.toc a:hover{text-decoration:underline}
article.main h2{scroll-margin-top:calc(var(--nav-h) + 16px)}
article.main ul,article.main ol{padding-left:1.3em;margin:0 0 1.1em}
article.main li{margin:.3em 0}
.table-wrap{overflow-x:auto;margin:0 0 1.4em;border:1px solid var(--line);border-radius:12px}
table{border-collapse:collapse;width:100%;font-size:.95rem;font-variant-numeric:tabular-nums}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--navy);color:#fff;font-weight:700}
tbody tr:nth-child(even){background:var(--tint2)}
tbody tr:last-child td{border-bottom:0}
.callout{background:#fffbeb;border:1px solid #fde68a;border-radius:12px;padding:16px 20px;margin:0 0 1.3em}
.callout p:last-child{margin:0}
.body-img{margin:8px auto 30px;max-width:460px}
.body-img img{width:100%;border-radius:16px;box-shadow:var(--shadow)}
.faq-list details{border:1px solid var(--line);border-radius:12px;margin:0 0 12px;background:#fff}
.faq-list summary{cursor:pointer;padding:16px 20px;font-weight:700;color:var(--navy);list-style:none;min-height:44px}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list details[open] summary{color:var(--blue)}
.faq-list .a{padding:0 20px 16px;color:var(--ink)}
.qa{border-top:1px solid var(--line);padding-top:4px}
.qa h3{font-size:1.1rem}
.term{border-bottom:1px solid var(--line);padding-bottom:6px;scroll-margin-top:calc(var(--nav-h) + 16px)}
.term h3{font-size:1.12rem;color:var(--blue-d)}
.author-box{background:var(--tint);border-radius:14px;padding:20px 22px;margin:34px 0}
.author-box .name{font-weight:800;color:var(--navy);margin:0}
.author-box .role{color:var(--purple);font-weight:700;font-size:.92rem;margin:0 0 8px}
.author-box p:last-child{margin:0;color:var(--muted);font-size:.96rem}
.share{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin:24px 0}
.share-label{font-weight:700;color:var(--navy);margin:0}
.share a,.share button{display:inline-flex;align-items:center;min-height:44px;padding:0 16px;border-radius:999px;border:1px solid var(--line);background:#fff;color:var(--navy);font:600 .9rem var(--font);text-decoration:none;cursor:pointer}
.share a:hover,.share button:hover{border-color:var(--blue);color:var(--blue)}
.rating-sum{display:flex;flex-wrap:wrap;gap:24px;align-items:center;background:var(--tint);border-radius:16px;padding:22px 26px;margin:0 0 26px}
.rating-sum .big{font-size:2.6rem;font-weight:800;color:var(--navy);line-height:1}
.stars{color:var(--yellow-d);letter-spacing:2px;font-size:1.1rem}
.rev{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px;min-width:0}
.rev .h{display:flex;justify-content:space-between;gap:10px;align-items:baseline}
.rev .t{font-weight:800;color:var(--navy);margin:4px 0 6px;font-size:1rem}
.rev p{font-size:.94rem;line-height:1.55;margin:0 0 8px}
.rev .meta{font-size:.84rem;color:var(--muted);margin:0}
/* calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:26px;margin:0 0 28px}
.calc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 22px}
.calc label{display:block;font-weight:700;color:var(--navy);font-size:.93rem;margin-bottom:6px}
.calc input,.calc select{width:100%;min-height:46px;padding:0 12px;border:1px solid #c9d2ea;border-radius:10px;font:600 1rem var(--font);color:var(--ink);background:#fff}
.calc input[type=range]{padding:0;border:0;min-height:30px;accent-color:var(--blue)}
.calc-out{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:22px 0 10px}
.calc-out div{background:var(--tint);border-radius:12px;padding:14px 16px}
.calc-out span{display:block;font-size:.82rem;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.05em}
.calc-out strong{font-size:1.5rem;color:var(--navy);font-variant-numeric:tabular-nums}
.calc .est{font-size:.86rem;color:var(--muted);margin:8px 0 0}
.amt-strip{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 30px}
.amt-strip p{margin:0;width:100%;font-weight:700;color:var(--navy)}
.amt-strip a{display:inline-flex;align-items:center;min-height:44px;padding:0 16px;border-radius:999px;background:var(--purple-l);color:var(--purple);font-weight:700;text-decoration:none}
.amt-strip a:hover{background:var(--purple);color:#fff}
/* sidebar */
aside.side{display:flex;flex-direction:column;gap:18px;min-width:0}
.sb-box{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px;font-size:.95rem;line-height:1.55}
.sb-title{font-weight:800;color:var(--navy);margin:0 0 10px;font-size:1.02rem}
.sb-box ul,.sb-box ol{margin:0;padding-left:18px}
.sb-box li{margin:5px 0}
.sb-box p{margin:0 0 8px}.sb-box p:last-child{margin:0}
.sb-box a{text-decoration:none}.sb-box a:hover{text-decoration:underline}
.sb-box table{font-size:.88rem}.sb-box th,.sb-box td{padding:7px 8px}
.sb-cta{background:linear-gradient(150deg,var(--blue-d),var(--blue) 55%,var(--purple));color:#fff;border:0}
.sb-cta .sb-title{color:#fff}
.sb-cta p{color:#e6ebff}
.sb-cta .btn-apply{width:100%;margin-top:6px}
.sb-sticky{position:sticky;top:calc(var(--nav-h) + 18px)}
.sb-quote{font-style:italic;color:var(--ink)}
.sb-links li{list-style:none;margin-left:-18px}
.mini{font-size:.82rem;color:var(--muted)}
/* CTA zone */
.cta-zone{background:linear-gradient(120deg,var(--navy),var(--blue-d) 45%,var(--purple));color:#fff;padding:58px 0}
.cta-inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}
.cta-zone h2{color:#fff;margin:0 0 6px}
.cta-zone p{margin:0;color:#dfe5ff;max-width:640px}
/* footer */
.footer-photo{display:block;width:100%;height:220px;object-fit:cover}
.site-footer{background:#0b1433;color:#c7cfea;font-size:.93rem;padding:52px 0 26px}
.site-footer a{color:#e7ebfb;text-decoration:none}.site-footer a:hover{color:var(--yellow);text-decoration:underline}
.f-top{display:grid;grid-template-columns:1.3fr 2.7fr;gap:40px}
.f-brand .logo{color:#fff;margin:0 0 12px}.f-brand .logo span b{color:#c4b5fd}
.f-brand address{font-style:normal;line-height:1.7}
.f-cols{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:22px}
.f-head{color:#fff;font-weight:800;margin:0 0 10px;font-size:.98rem}
.f-cols ul{list-style:none;margin:0;padding:0}
.f-cols li{margin:0}
.f-cols li a{display:inline-flex;align-items:center;min-height:36px}
.disclosure{border-top:1px solid #23305e;margin-top:34px;padding-top:22px;font-size:.84rem;line-height:1.6;color:#aab4d6}
.disclosure p{margin:0 0 10px}
.f-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;border-top:1px solid #23305e;margin-top:16px;padding-top:18px;font-size:.86rem}
.to-top{position:fixed;right:20px;bottom:20px;width:48px;height:48px;border-radius:50%;border:0;background:var(--blue);color:#fff;box-shadow:var(--shadow);cursor:pointer;opacity:0;visibility:hidden;transition:opacity .2s;z-index:2147482000;display:flex;align-items:center;justify-content:center}
.to-top.show{opacity:1;visibility:visible}
.to-top span{width:12px;height:12px;border-left:3px solid #fff;border-top:3px solid #fff;transform:rotate(45deg) translate(2px,2px)}
.full{max-width:860px;margin:0 auto;padding-block:48px 64px}
.contact-card{display:grid;grid-template-columns:1.45fr 1fr 1.45fr;gap:16px;margin:0 0 30px}
.contact-card div{background:var(--tint);border-radius:14px;padding:18px}
.contact-card span{display:block;font-size:.8rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--purple);margin-bottom:4px}
.contact-card strong{color:var(--navy);overflow-wrap:anywhere}
.contact-card a{white-space:nowrap}
.sitemap-cols{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 40px}
.sitemap-cols ul{margin:0 0 10px;padding-left:18px}
/* ---------- RESPONSIVE ---------- */
@media (max-width:1100px){.menu>li>a,.menu>li>button{padding:0 9px;font-size:.9rem}.logo{margin-right:10px}}
@media (max-width:1020px){
 .layout{grid-template-columns:minmax(0,1fr);gap:30px}
 .sb-x{display:none}.sb-sticky{position:static}
 .g4{grid-template-columns:repeat(2,minmax(0,1fr))}
 .g5{grid-template-columns:minmax(0,1fr)}
 .g5 .card{flex-direction:row}.g5 .card .ph{width:38%;aspect-ratio:auto;flex:none}
 .f-top{grid-template-columns:minmax(0,1fr)}
}
@media (max-width:900px){.g3{grid-template-columns:repeat(2,minmax(0,1fr))}.g3.keep3{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:760px){
 body{font-size:16.5px}
 .container{padding-inline:16px}
 .burger{display:flex}
 .nav{gap:8px}
 .menu{display:none;position:absolute;left:0;right:0;top:var(--nav-h);flex-direction:column;align-items:stretch;background:#fff;border-bottom:1px solid var(--line);padding:10px 16px 18px;max-height:calc(100vh - var(--nav-h));overflow:auto;box-shadow:var(--shadow)}
 .menu.show{display:flex}
 .menu>li>a,.menu>li>button{width:100%;justify-content:space-between;min-height:48px;font-size:1rem}
 .menu .spacer{display:none}
 .menu .apply-li{margin-top:10px}.menu .apply-li .btn-apply{width:100%}
 .dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;padding:0 0 6px 12px;min-width:0}
 .dd::before{display:none}
 .menu>li.open>.dd{display:block}
 .menu>li:hover>.dd{display:none}.menu>li.open:hover>.dd{display:block}
 .hero{grid-template-columns:minmax(0,1fr);min-height:0}
 .hero-media{order:-1;min-height:0;height:340px}
 .hero-text{padding:28px 16px 34px}
 .form-wrap{padding-inline:12px}
 .form-card{padding:26px 16px 18px;border-radius:12px}
 .g2,.g3,.g3.keep3,.g4{grid-template-columns:minmax(0,1fr)}
 .g5 .card .ph{width:40%}
 .toc ol{columns:1}
 .answer-lead{text-wrap:pretty}
 .calc-grid,.calc-out{grid-template-columns:minmax(0,1fr)}
 .f-cols{grid-template-columns:repeat(2,minmax(0,1fr))}
 .contact-card{grid-template-columns:minmax(0,1fr)}
 .sitemap-cols{grid-template-columns:minmax(0,1fr)}
 .layout{padding-block:32px 48px}
 .full{padding-block:32px 48px}
 .footer-photo{height:160px}
}