/* Griffin Funding — global stylesheet */
:root{
  --ink:#141414; --bg:#ffffff; --soft:#f4f4f2; --line:#e4e4e1;
  --gold:#f5c518; --gold-soft:#fdf6dc; --gold-deep:#7a5c00;
  --radius:16px; --shadow:0 8px 28px rgba(20,20,20,.12);
  --font:-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 var(--font);color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:var(--gold-deep)}
a:focus-visible,button:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
h1,h2,h3,.answer-lead{text-wrap:balance}
h1{font-size:2.15rem;line-height:1.2;margin:.2em 0 .35em}
h2{font-size:1.5rem;margin:1.6em 0 .5em}
h3{font-size:1.15rem;margin:1.2em 0 .4em}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--ink);padding:10px 16px;z-index:2147483001;border-radius:0 0 8px 0}
.skip:focus{left:0}

/* ---------- Navigation ---------- */
.nav{position:sticky;top:0;background:var(--bg);border-bottom:1px solid var(--line);z-index:2147483000;isolation:isolate}
.nav-in{display:flex;align-items:center;gap:22px;min-height:64px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.12rem;color:var(--ink);text-decoration:none}
.logo img{width:30px;height:30px}
.menu{display:flex;align-items:center;gap:20px}
.menu>a{color:var(--ink);text-decoration:none;font-weight:600;padding:20px 2px;min-height:44px;display:inline-flex;align-items:center}
.menu>a:hover{color:var(--gold-deep)}
.nav-gap{flex:1 1 120px;min-width:40px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--gold);color:var(--ink);font-weight:800;text-decoration:none;border:0;border-radius:10px;padding:12px 22px;min-height:44px;cursor:pointer}
.btn:hover{filter:brightness(.96)}
.btn-ghost{background:transparent;border:2px solid var(--ink);color:var(--ink)}
/* Dropdowns — zero-gap + hover bridge + delayed close (identical in critical CSS) */
.dd{position:relative;display:flex}
.dd>button{font:inherit;font-weight:600;color:var(--ink);background:none;border:0;cursor:pointer;padding:20px 2px;min-height:44px;display:inline-flex;align-items:center;gap:4px}
.dd>button:hover{color:var(--gold-deep)}
.dd-box{position:absolute;top:100%;left:0;margin:0;background:var(--bg);border:1px solid var(--line);border-radius:0 0 12px 12px;box-shadow:var(--shadow);min-width:240px;padding:8px 0;visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:5}
.dd-box::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.dd:hover .dd-box,.dd:focus-within .dd-box,.dd.open .dd-box{visibility:visible;opacity:1;transition-delay:0s}
.dd-box a{display:block;padding:10px 18px;color:var(--ink);text-decoration:none;min-height:44px;display:flex;align-items:center}
.dd-box a:hover{background:var(--gold-soft);color:var(--gold-deep)}
.burger{display:none;font-size:1.5rem;background:none;border:0;cursor:pointer;min-height:44px;min-width:44px}

/* ---------- Breadcrumb ---------- */
.crumbs{background:var(--soft);border-bottom:1px solid var(--line)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:10px 0;font-size:.86rem}
.crumbs li+li::before{content:"›";margin-right:6px;color:#777}
.crumbs a{color:var(--gold-deep);text-decoration:none}

/* ---------- Hero (Layout A: Contained Card) ---------- */
.hero{background:var(--gold-soft);border-bottom:1px solid var(--line);padding:46px 0}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.hero-card img{border-radius:var(--radius);box-shadow:var(--shadow);width:100%;height:auto}
.updated{font-size:.85rem;color:#5a5a55;margin:0 0 14px}
.hero-tag{font-size:1.08rem;max-width:56ch}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:20px}

/* ---------- Layout: article + sidebar ---------- */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:44px;padding:44px 0;align-items:start}
article{min-width:0}
.lead p:first-child{font-size:1.08rem}
.toc{background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin:22px 0}
.toc-h{font-weight:800;margin:0 0 8px}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:28px}
.toc li{margin:4px 0;break-inside:avoid}
.toc a{text-decoration:none}
.body-img{width:min(520px,100%);margin:28px auto;border-radius:var(--radius);box-shadow:var(--shadow)}
table.cmp{width:100%;border-collapse:collapse;margin:18px 0;font-size:.95rem}
table.cmp th,table.cmp td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
table.cmp thead th{background:var(--gold-soft)}
.table-scroll{overflow-x:auto}
.note{font-size:.86rem;color:#5a5a55}
.minifaq h3{margin-top:1.1em}

/* ---------- Sidebar ---------- */
.sidebar{display:flex;flex-direction:column;gap:18px}
.sb{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:18px;box-shadow:0 3px 14px rgba(20,20,20,.06)}
.sb-h{font-weight:800;margin:0 0 10px;font-size:1rem}
.sb ul{margin:0;padding-left:18px}
.sb li{margin:6px 0}
.sb a{text-decoration:none}
.sb table{width:100%;border-collapse:collapse;font-size:.88rem}
.sb table td,.sb table th{border-bottom:1px solid var(--line);padding:6px 4px;text-align:left}
.sb-cta{background:var(--ink);color:#fff;text-align:center}
.sb-cta .sb-h{color:var(--gold)}
.sb-cta p{color:#ddd;font-size:.92rem}
.sb-sticky{position:sticky;top:84px}
.stars{color:var(--gold-deep);letter-spacing:2px;font-size:1.1rem}
.rating-big{font-size:2rem;font-weight:800}

/* ---------- Cards ---------- */
.cards{display:grid;gap:22px;margin:26px 0}
.cards-3{grid-template-columns:repeat(3,1fr)}
.cards-2{grid-template-columns:repeat(2,1fr)}
.cards-5{grid-template-columns:repeat(5,1fr)}
.card{background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:0 3px 14px rgba(20,20,20,.06);display:flex;flex-direction:column}
.card img{aspect-ratio:3/2;object-fit:cover;width:100%}
.card-b{padding:16px 18px;display:flex;flex-direction:column;gap:8px;flex:1}
.card h3,.card .card-t{margin:0;font-size:1.05rem}
.card a.cover{color:var(--ink);text-decoration:none}
.card a.cover:hover{color:var(--gold-deep)}
.card p{margin:0;font-size:.92rem;color:#454540}
.chip{display:inline-block;background:var(--gold-soft);color:var(--gold-deep);border-radius:999px;padding:2px 10px;font-size:.78rem;font-weight:700;width:fit-content}
.card .go{margin-top:auto;font-weight:700;text-decoration:none}

/* ---------- Sections ---------- */
.band{padding:44px 0}
.band-soft{background:var(--soft)}
.sec-h{font-size:1.6rem;margin:0 0 6px}
.sec-sub{color:#55554f;margin:0 0 18px;max-width:70ch}
.strip{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:26px 0;text-align:center}
.strip div{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:16px}
.strip b{display:block;font-size:1.3rem}

/* ---------- Form card ---------- */
.form-shell{padding:34px 0;background:linear-gradient(180deg,var(--gold-soft),var(--bg))}
.form-card{position:relative;z-index:1;isolation:isolate;max-width:1020px;margin:0 auto;background:var(--bg);border-radius:16px;box-shadow:0 8px 28px rgba(20,20,20,.14);padding:28px 30px 30px;border-top:5px solid transparent;background-clip:padding-box}
.form-card::before{content:"";position:absolute;top:-5px;left:0;right:0;height:5px;border-radius:16px 16px 0 0;background:linear-gradient(90deg,var(--gold),#e2a600)}
.form-card .f-h{font-size:1.3rem;font-weight:800;margin:0 0 4px}
.form-card .f-sub{color:#55554f;margin:0 0 16px;font-size:.95rem}

/* ---------- Calculator ---------- */
.calc{background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px;margin:30px 0}
.calc .row{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.calc label{font-weight:700;font-size:.92rem;display:block;margin-bottom:6px}
.calc select,.calc input{width:100%;padding:12px;border:1px solid var(--line);border-radius:10px;font:inherit;min-height:44px}
.calc-out{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:20px;text-align:center}
.calc-out div{background:var(--gold-soft);border-radius:12px;padding:14px}
.calc-out b{display:block;font-size:1.45rem}

/* ---------- CTA zone ---------- */
.cta-zone{background:var(--ink);color:#fff;text-align:center;padding:52px 0}
.cta-h{font-size:1.7rem;font-weight:800;margin:0 0 10px;text-wrap:balance}
.cta-zone p{color:#d8d8d2;max-width:62ch;margin:0 auto 22px}

/* ---------- Reviews ---------- */
.rev-sum{display:flex;gap:26px;align-items:center;background:var(--gold-soft);border:1px solid var(--line);border-radius:var(--radius);padding:22px 26px;margin:24px 0;flex-wrap:wrap}
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:26px 0}
.rev{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:16px}
.rev .who{font-weight:700;font-size:.92rem;margin-top:10px;color:#454540}

/* ---------- Blog post extras ---------- */
.author-box{display:flex;gap:14px;background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:16px 18px;margin:26px 0}
.author-box .a-init{flex:none;width:52px;height:52px;border-radius:50%;background:var(--gold);color:var(--ink);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.2rem}
.share{display:flex;gap:10px;margin:18px 0;flex-wrap:wrap}
.share a{border:1px solid var(--line);border-radius:999px;padding:8px 16px;text-decoration:none;font-size:.88rem;font-weight:700;min-height:44px;display:inline-flex;align-items:center}
.share a:hover{background:var(--gold-soft)}

/* ---------- Glossary / terms ---------- */
.term-cols{columns:2;column-gap:40px}
.term-cols .term,.term-cols .lender-note{break-inside:avoid}
.lender-note{border-bottom:1px solid var(--line);padding:10px 0}
.lender-note h3{margin:.4em 0}
@media(max-width:1020px){.term-cols{columns:1}}
.term{border-bottom:1px solid var(--line);padding:14px 0}
.term h3{margin:0 0 6px}
.az{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0}
.az a{border:1px solid var(--line);border-radius:8px;padding:4px 10px;text-decoration:none;font-weight:700}

/* ---------- Footer ---------- */
footer{background:var(--ink);color:#d8d8d2;margin-top:0}
.foot{display:grid;grid-template-columns:2fr 1fr 1fr 1fr 1fr;gap:30px;padding:52px 0 30px}
.foot a{color:#f0f0ea;text-decoration:none;display:block;padding:4px 0;min-height:28px}
.foot a:hover{color:var(--gold)}
.f-h{color:var(--gold);font-weight:800;margin:0 0 10px}
.f-brand p{font-size:.92rem}
.nap{font-style:normal;font-size:.92rem;line-height:1.8}
.nap a{display:inline;padding:0}
.disclosure{border-top:1px solid #333;padding:22px 0;font-size:.82rem;color:#b9b9b2;line-height:1.7}
.copy{border-top:1px solid #333;padding:16px 0 26px;font-size:.84rem;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}

/* ---------- Scroll to top ---------- */
#toTop{position:fixed;right:18px;bottom:18px;background:var(--gold);color:var(--ink);border:0;border-radius:50%;width:48px;height:48px;font-size:1.2rem;cursor:pointer;box-shadow:var(--shadow);display:none;z-index:2147482000}
#toTop.show{display:block}

/* ---------- Trust/legal full width ---------- */
.plain{max-width:820px;margin:0 auto;padding:44px 20px}
.plain h2{margin-top:1.4em}

/* ---------- Responsive ---------- */
@media(max-width:1020px){
  .layout{grid-template-columns:1fr}
  .sidebar .sb-x{display:none}
  .sb-sticky{position:static}
  .cards-5{grid-template-columns:1fr}
  .strip{grid-template-columns:repeat(2,1fr)}
  .foot{grid-template-columns:1fr 1fr}
  .toc ol{columns:1}
}
@media(max-width:760px){
  h1{font-size:1.7rem}
  .hero-grid{grid-template-columns:1fr}
  .hero-card{order:2}
  .menu{display:none;position:absolute;top:64px;left:0;right:0;background:var(--bg);flex-direction:column;align-items:stretch;gap:0;border-bottom:1px solid var(--line);padding:8px 0;box-shadow:var(--shadow)}
  .menu.open{display:flex}
  .menu>a{padding:12px 20px}
  .dd{flex-direction:column}
  .dd>button{padding:12px 20px;justify-content:space-between;width:100%}
  .dd-box{position:static;visibility:visible;opacity:1;transition:none;display:none;border:0;box-shadow:none;border-radius:0;background:var(--soft)}
  .dd-box::before{display:none}
  .dd.open .dd-box{display:block}
  .burger{display:block}
  .cards-3,.cards-2,.cards-5{grid-template-columns:1fr}
  .rev-grid{grid-template-columns:1fr}
  .calc .row,.calc-out{grid-template-columns:1fr}
  .foot{grid-template-columns:1fr}
  .form-card{border-radius:12px;padding:20px 16px}
  .strip{grid-template-columns:1fr 1fr}
}
@media(min-width:761px) and (max-width:1020px){
  .cards-3{grid-template-columns:repeat(3,1fr)}
  .rev-grid{grid-template-columns:repeat(2,1fr)}
}