@font-face{font-family:"Figtree";src:url(/assets/fonts/figtree-var.woff2) format("woff2");font-weight:300 900;font-style:normal;font-display:swap}
:root{
  --navy:#002A5B;       /* logo navy */
  --navy-2:#0D3A72;
  --navy-deep:#001C3F;
  --teal:#0191A9;       /* logo tick */
  --teal-dark:#017689;  /* teal with enough contrast for white text */
  --teal-pale:#E3F4F7;
  --slate:#4B5B70;
  --ground:#F4F7FA;
  --white:#FFFFFF;
  --line:#D8E0E9;
  --stop:#B3261E;
  --r-s:6px; --r-m:12px;
  --wrap:1140px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--navy);font:400 18px/1.6 "Figtree",system-ui,sans-serif}
h1,h2,h3{line-height:1.1;margin:0 0 .5em;letter-spacing:-.02em}
h1{font-size:clamp(38px,5.4vw,62px);font-weight:800}
h2{font-size:clamp(30px,3.8vw,42px);font-weight:800}
h3{font-size:22px;font-weight:700;letter-spacing:-.01em}
p{margin:0 0 1em;max-width:62ch}
a{color:var(--teal-dark);text-underline-offset:3px}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;background:#fff;padding:8px 12px;z-index:9}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px}
.tick{list-style:none;padding:0;margin:0}
.tick li{position:relative;padding-left:34px;margin:0 0 10px}
.tick li::before{content:"";position:absolute;left:4px;top:5px;width:9px;height:17px;border:solid var(--teal);border-width:0 4px 4px 0;transform:rotate(40deg)}

/* header */
header.site{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
header.site .wrap{display:flex;align-items:center;gap:28px;min-height:76px}
.logo img{height:54px;width:auto}
header.site nav{margin-left:auto;display:flex;gap:24px;align-items:center}
header.site nav a{color:var(--navy);text-decoration:none;font-weight:600;font-size:16px}
header.site nav a:not(.btn):hover{color:var(--teal-dark)}
.btn{display:inline-block;background:var(--teal-dark);color:#fff;font:700 18px/1 "Figtree",sans-serif;text-decoration:none;padding:16px 24px;border-radius:var(--r-s);border:0;cursor:pointer}
.btn:hover{background:#015F6F}
header.site .btn{color:#fff;padding:12px 18px;font-size:16px}
header.site .btn{flex-shrink:0}
.menu-btn{display:none;align-items:center;gap:8px;background:none;border:2px solid var(--line);border-radius:var(--r-s);padding:9px 12px;font:700 16px/1 "Figtree",sans-serif;color:var(--navy);cursor:pointer;flex-shrink:0}
.menu-btn .bars,.menu-btn .bars::before,.menu-btn .bars::after{display:block;width:20px;height:2px;background:currentColor;border-radius:2px;transition:transform .2s,opacity .2s}
.menu-btn .bars{position:relative}
.menu-btn .bars::before,.menu-btn .bars::after{content:"";position:absolute;left:0}
.menu-btn .bars::before{top:-6px}.menu-btn .bars::after{top:6px}
header.site.open .menu-btn .bars{background:transparent}
header.site.open .menu-btn .bars::before{transform:translateY(6px) rotate(45deg)}
header.site.open .menu-btn .bars::after{transform:translateY(-6px) rotate(-45deg)}
@media (max-width:860px){
  header.site .wrap{gap:10px;min-height:68px}
  .logo img{height:44px}
  header.site nav{display:none;position:absolute;left:0;right:0;top:100%;margin:0;flex-direction:column;align-items:stretch;gap:0;background:var(--white);border-bottom:1px solid var(--line);box-shadow:0 14px 24px rgba(0,28,63,.12);padding:6px 16px 14px}
  header.site.open nav{display:flex}
  header.site nav a{padding:15px 4px;font-size:18px;border-bottom:1px solid var(--line)}
  header.site nav a:last-child{border-bottom:0}
  header.site .btn{margin-left:auto;padding:11px 14px;font-size:15px}
  .menu-btn{display:inline-flex}
}
@media (max-width:380px){.menu-btn .menu-label{display:none}.menu-btn{padding:11px 10px}.logo img{height:38px}}

/* hero */
.hero{position:relative;background:#E9EEF3 url(/assets/hero.webp) right center/cover no-repeat;padding:72px 0 150px}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(247,244,239,.96) 0%,rgba(247,244,239,.88) 38%,rgba(247,244,239,0) 66%)}
.hero .wrap{position:relative}
.hero .copy{max-width:600px}
.hero p.lede{font-size:21px;color:var(--navy-2);max-width:52ch}
.hero .tick{margin:24px 0 30px;font-size:19px;font-weight:600}
.hero .actions{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.hero .actions a.text{font-weight:700;color:var(--navy)}
@media (max-width:860px){
  .hero{background-image:url(/assets/hero-800.webp);background-position:70% center;padding:44px 0 120px}
  .hero::before{background:linear-gradient(180deg,rgba(247,244,239,.95) 0%,rgba(247,244,239,.9) 70%,rgba(247,244,239,.6) 100%)}
}

/* checker band */
.check-band{background:var(--ground);padding:0 0 72px}
.check-band .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:start}
.checker{background:var(--white);border-radius:var(--r-m);padding:30px 30px 24px;box-shadow:0 20px 50px rgba(0,28,63,.16);margin-top:-96px;position:relative;border-top:5px solid var(--teal)}
.checker h2{font-size:30px;margin-bottom:4px}
.checker .sub{color:var(--slate);font-size:16px;margin-bottom:20px}
fieldset{border:0;padding:0;margin:0 0 20px}
legend{font-weight:700;font-size:18px;margin-bottom:10px}
.opts{display:grid;gap:8px;grid-template-columns:1fr 1fr}
.opts.three{grid-template-columns:1fr 1fr 1fr}
.opts label{display:flex;gap:12px;align-items:center;border:2px solid var(--line);border-radius:var(--r-s);padding:12px 14px;cursor:pointer;font-size:16px;line-height:1.3;font-weight:500}
.opts label.wide{grid-column:1/-1}
.opts input{accent-color:var(--teal-dark);width:18px;height:18px;flex:none}
.opts label:has(input:checked){border-color:var(--teal-dark);background:var(--teal-pale)}
@media (max-width:560px){.opts,.opts.three{grid-template-columns:1fr}}
.result{display:none;border-radius:var(--r-s);padding:16px;margin:0 0 18px;font-size:16px}
.result.show{display:block}
.result.in{background:var(--teal-pale);border-left:5px solid var(--teal-dark)}
.result.out{background:#FBECEB;border-left:5px solid var(--stop)}
.result.maybe{background:#EEF2F8;border-left:5px solid var(--navy-2)}
.result strong{display:block;font-size:18px;margin-bottom:4px}
.result p{margin:0 0 .5em}
.checker .btn{width:100%;text-align:center}
.checker .small-print{font-size:14px;color:var(--slate);margin:12px 0 0;text-align:center;max-width:none}
.aside{padding-top:36px}
.aside h3{font-size:20px}
.free-note{background:var(--white);border-radius:var(--r-m);padding:22px;font-size:16px;border:1px solid var(--line)}
.free-note p:last-child{margin:0}
.handled{margin-top:20px;font-size:16px;display:flex;gap:14px;align-items:flex-start}
.handled .star{flex:none;width:34px;height:34px;border-radius:6px;background:#00B67A;display:grid;place-items:center}
@media (max-width:900px){.check-band .wrap{grid-template-columns:1fr}.aside{padding-top:0}}

/* generic sections */
section{padding:84px 0}
section.ground{background:var(--ground)}
.section-head{max-width:740px;margin-bottom:38px}
.section-head p{color:var(--slate);font-size:20px}

/* scheme status */
.status{display:grid;grid-template-columns:300px 1fr;gap:44px;align-items:start}
.stamp{background:var(--navy);color:#fff;border-radius:var(--r-m);padding:26px}
.stamp b{display:block;font-size:30px;line-height:1.05;font-weight:800;margin-bottom:10px}
.stamp b::before{content:"";display:block;width:36px;height:5px;background:var(--teal);margin-bottom:14px;border-radius:3px}
.stamp span{font-size:15px;color:#C9D6E6}
.timeline{list-style:none;margin:0;padding:0;border-left:3px solid var(--line)}
.timeline li{position:relative;padding:0 0 24px 28px}
.timeline li::before{content:"";position:absolute;left:-10px;top:5px;width:17px;height:17px;border-radius:50%;background:var(--white);border:3px solid var(--navy)}
.timeline li.now::before{background:var(--teal);border-color:var(--teal)}
.timeline time{display:block;font-weight:700;color:var(--teal-dark);font-size:15px}
.timeline p{margin:2px 0 0}
.note{margin-top:8px;color:var(--slate);font-size:16px}
@media (max-width:860px){.status{grid-template-columns:1fr}}

/* what went wrong — with photo */
.wrong{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center}
.wrong .photo{border-radius:var(--r-m);overflow:hidden;aspect-ratio:4/5}
.wrong .photo img{width:100%;height:100%;object-fit:cover;object-position:62% center}
.wrongs{display:grid;gap:0}
.wrongs > div{padding:20px 0;border-top:1px solid var(--line)}
.wrongs > div:first-child{border-top:0;padding-top:0}
.wrongs p{font-size:17px;margin:0}
@media (max-width:860px){.wrong{grid-template-columns:1fr}.wrong .photo{aspect-ratio:16/9}}

/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:s;position:relative}
.steps li{counter-increment:s;padding:0 22px 0 0;position:relative}
.steps li::before{content:counter(s);display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-size:20px;margin-bottom:18px;position:relative;z-index:1}
.steps li::after{content:"";position:absolute;top:22px;left:46px;right:0;height:3px;background:var(--line)}
.steps li:last-child::after{display:none}
.steps li:last-child::before{background:var(--teal)}
.steps h3{font-size:21px}
.steps p{font-size:16px;margin:0 0 .6em}
.steps .who{font-size:14px;font-weight:700;color:var(--teal-dark)}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr;row-gap:36px}.steps li::after{display:none}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}

.before{margin-top:44px;background:var(--ground);border-radius:var(--r-m);padding:26px 28px}
.before h3{font-size:20px}
.before .tick li{font-size:16px;margin-bottom:12px}
.before .tick li:last-child{margin-bottom:0}
.before .tick li::before{width:8px;height:8px;border:0;border-radius:50%;background:var(--teal);transform:none;left:8px;top:10px}
/* options table */
.table-scroll{overflow-x:auto;border-radius:var(--r-m);border:1px solid var(--line)}
.compare{width:100%;min-width:640px;border-collapse:collapse;background:var(--white);font-size:17px}
.compare th,.compare td{text-align:left;padding:16px 18px;border-bottom:1px solid var(--line);vertical-align:top}
.compare tbody tr:last-child th,.compare tbody tr:last-child td{border-bottom:0}
.compare thead th{background:var(--navy);color:#fff;font-weight:700;font-size:18px}
.compare thead th.us{background:var(--teal-dark)}
.compare tbody th{font-weight:700;width:20%}
.compare td.us{background:var(--teal-pale)}

/* lenders */
.lenders{columns:4 210px;column-gap:28px;list-style:none;padding:0;margin:0}
.lenders li{break-inside:avoid;border-bottom:1px solid var(--line)}
.lenders a{display:block;padding:11px 0;font-weight:600;color:var(--navy);text-decoration:none}
.lenders a:hover{color:var(--teal-dark);text-decoration:underline}

/* faq */
.faq{max-width:840px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:20px 44px 20px 0;font-weight:700;font-size:20px;line-height:1.3;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:10px;top:26px;width:10px;height:10px;border:solid var(--teal-dark);border-width:0 3px 3px 0;transform:rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(-135deg);top:30px}
.faq details > div{padding:0 0 18px}

/* final */
.final{background:var(--navy);color:#fff;padding:68px 0;overflow:hidden;position:relative}
.final .wrap{display:flex;gap:32px;align-items:center;justify-content:space-between;flex-wrap:wrap;position:relative}
.final h2{margin:0;max-width:20ch}
.final p{margin:.5em 0 0;color:#C9D6E6}
.final .btn{background:var(--teal);font-size:19px}
.final .btn:hover{background:#01A5C0}

/* footer */
footer{background:var(--navy-deep);color:#C9D6E6;padding:56px 0 40px;font-size:15px}
footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;margin-bottom:36px}
footer .logo img{height:56px}
footer h3{color:#fff;font-size:17px}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin:0 0 8px}
footer a{color:#fff}
footer .legal{border-top:1px solid #1E3A63;padding-top:24px}
footer .legal p{max-width:none}
@media (max-width:820px){footer .cols{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* ---------- inner pages ---------- */
.page-hero{background:var(--ground);padding:40px 0 48px;border-bottom:1px solid var(--line)}
.crumbs{font-size:14px;margin:0 0 18px;color:var(--slate)}
.crumbs a{color:var(--slate)}
.page-hero h1{font-size:clamp(34px,4.6vw,52px);max-width:18ch;text-wrap:balance}
.page-hero .lede{font-size:20px;color:var(--navy-2);max-width:60ch}
.page-hero .tick{margin:20px 0 26px;font-weight:600}
.page-hero .actions{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.updated{font-size:14px;color:var(--slate);margin-top:18px}
.article{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;padding-top:56px;padding-bottom:72px;align-items:start}
.article .body{min-width:0}
.article .body > section{padding:0 0 44px}
.article h2{font-size:clamp(26px,3vw,34px)}
.article .body p,.article .body li{font-size:18px}
.side{position:sticky;top:96px;display:grid;gap:18px}
.glance{border:1px solid var(--line);border-radius:var(--r-m);padding:22px;background:var(--white)}
.glance h2{font-size:20px;margin-bottom:12px}
.glance dl{margin:0;display:grid;gap:12px}
.glance dt{font-size:13px;font-weight:700;color:var(--slate);text-transform:uppercase;letter-spacing:.04em}
.glance dd{margin:2px 0 0;font-size:16px;font-weight:600}
.side-cta{background:var(--navy);color:#fff;border-radius:var(--r-m);padding:22px}
.side-cta p{font-size:15px;color:#C9D6E6}
.side-cta .btn{width:100%;text-align:center;background:var(--teal)}
.side-cta .fine{font-size:13px;margin:12px 0 0}
.contact-card{border-left:5px solid var(--teal);background:var(--ground);border-radius:0 var(--r-m) var(--r-m) 0;padding:20px 22px;margin:18px 0}
.contact-card dl{display:grid;grid-template-columns:auto 1fr;gap:8px 18px;margin:0}
.contact-card dt{font-weight:700}
.contact-card dd{margin:0;overflow-wrap:anywhere}
figure.diagram{margin:24px 0 8px;border:1px solid var(--line);border-radius:var(--r-m);padding:18px;background:var(--white)}
figure.diagram svg{width:100%;height:auto;display:block}
figure.diagram figcaption{font-size:15px;color:var(--slate);margin-top:10px}
.more-lenders{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.more-lenders a{display:block;border:1px solid var(--line);border-radius:999px;padding:8px 14px;font-weight:600;font-size:15px;color:var(--navy);text-decoration:none}
.more-lenders a:hover{border-color:var(--teal-dark);color:var(--teal-dark)}
@media (max-width:960px){.article{grid-template-columns:1fr;gap:32px}.side{position:static}}
.free-line{font-size:15px!important;color:var(--slate);border-top:1px solid var(--line);padding-top:14px;margin-top:22px}
.article.single{grid-template-columns:minmax(0,820px)}
.side-links{list-style:none;margin:0;padding:0;display:grid;gap:2px}
.side-links a{display:block;padding:7px 0;font-weight:600;font-size:15px;color:var(--navy);text-decoration:none;border-bottom:1px solid var(--line)}
.side-links a:hover{color:var(--teal-dark)}
.guide-list{list-style:none;margin:0 0 40px;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:14px}
.guide-list a{display:block;height:100%;border:1px solid var(--line);border-radius:var(--r-m);padding:18px 20px;text-decoration:none;color:var(--navy)}
.guide-list a:hover{border-color:var(--teal-dark)}
.guide-list strong{display:block;font-size:18px;line-height:1.3;margin-bottom:6px}
.guide-list span{display:block;font-size:15px;color:var(--slate)}
.steps-list{padding-left:22px;margin:0 0 20px}
.steps-list li{margin-bottom:12px;padding-left:4px}
.article .compare{min-width:0}
.legal-copy h2,.legal-copy h3{margin-top:1.4em}
.legal-copy h5{font-size:17px;margin:1.2em 0 .4em}
.legal-copy table{border-collapse:collapse;width:100%;margin:14px 0 20px;font-size:16px}
.legal-copy td,.legal-copy th{border:1px solid var(--line);padding:8px 12px;vertical-align:top}
.legal-copy td p{margin:0}
.legal-copy{overflow-x:auto}
.article .compare tbody th{width:40%}
/* cookie banner */
.cookie-banner{position:fixed;left:0;right:0;bottom:0;z-index:20;background:var(--navy-deep);color:#fff;padding:16px 16px calc(16px + env(safe-area-inset-bottom,0px));box-shadow:0 -6px 24px rgba(0,28,63,.25)}
.cookie-banner[hidden]{display:none}
.cookie-inner{max-width:var(--wrap);margin:0 auto;display:flex;gap:18px 28px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cookie-inner p{margin:0;font-size:15px;max-width:70ch;color:#C9D6E6}
.cookie-inner strong{color:#fff;display:block;font-size:16px;margin-bottom:2px}
.cookie-inner a{color:#fff}
.cookie-actions{display:flex;gap:10px;flex-wrap:wrap}
.cookie-actions .btn{background:#fff;color:var(--navy);min-width:120px;text-align:center}
.cookie-actions .btn:hover{background:var(--teal-pale)}
button.linklike{background:none;border:0;padding:0;font:inherit;color:#fff;text-decoration:underline;cursor:pointer}
/* why claim with us */
.why{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.why li{background:var(--white);border-radius:var(--r-m);padding:24px;border-top:5px solid var(--teal)}
.why h3{margin:0 0 8px;font-size:21px;line-height:1.25}
.why p{margin:0;font-size:17px;color:var(--slate)}
.article .compare.wide{min-width:620px}
.article .compare.wide tbody th{width:20%}