/* Rise Credits Loan — main stylesheet (critical subset is inlined in <head>) */
:root{
  --white:#ffffff; --ink:#0b1f33; --ink-2:#33475b; --muted:#5b6b7c; --line:#dde6ef;
  --blue:#1a8cff; --blue-text:#0066d6; --blue-dark:#0a4fa3; --blue-tint:#eef6ff;
  --green:#22c55e; --green-text:#15803d; --green-dark:#0f5f2e; --green-tint:#ecfdf3;
  --navy-deep:#06182b;
  --radius:16px; --radius-sm:10px; --shadow:0 10px 30px rgba(10,79,163,.10); --shadow-lg:0 18px 44px rgba(10,79,163,.16);
  --font:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --nav-h:72px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--white);font-size:17px;line-height:1.7}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue-text)}
a:hover{color:var(--blue-dark)}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:4px}
h1,h2,h3{line-height:1.22;letter-spacing:-.01em;text-wrap:balance;color:var(--ink)}
h1{font-size:clamp(2rem,4.2vw,3.05rem);margin:0 0 .4em;font-weight:800}
h2{font-size:clamp(1.45rem,2.4vw,1.9rem);margin:2.1em 0 .6em;font-weight:800}
h3{font-size:1.2rem;margin:1.6em 0 .4em;font-weight:700}
p{margin:0 0 1.05em}
.container{width:100%;max-width:1240px;margin:0 auto;padding-inline:24px}
.skip-link{position:absolute;left:-9999px;top:8px;background:var(--ink);color:#fff;padding:10px 16px;border-radius:8px;z-index:2147483001}
.skip-link:focus{left:12px}

/* ---------- Nav ---------- */
.site-nav{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-inner{display:flex;align-items:center;gap:28px;height:var(--nav-h)}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;font-size:1.12rem;white-space:nowrap}
.logo svg{width:36px;height:36px;flex:none}
.logo span b{color:var(--green-text)}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0;flex:1}
.nav-links>li{position:relative}
.nav-links>li>a,.dd-btn{display:flex;align-items:center;gap:6px;min-height:44px;padding:8px 12px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.98rem;background:none;border:0;font-family:inherit;cursor:pointer;white-space:nowrap}
.nav-links>li>a:hover,.dd-btn:hover,.dd-btn[aria-expanded="true"]{background:var(--blue-tint);color:var(--blue-dark)}
.dd-btn svg{width:12px;height:12px;transition:transform .2s}
.nav-spacer{flex:1}
.nav-links .nav-apply{margin-left:auto}
.nav-links .btn-apply,.btn-apply{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:10px 22px;border-radius:12px;background:var(--green);color:#052e16;font-weight:800;text-decoration:none;white-space:nowrap;box-shadow:0 6px 16px rgba(34,197,94,.30)}
.nav-links .btn-apply:hover,.btn-apply:hover{background:#16b350;color:#052e16}
.dd{position:absolute;top:100%;left:0;margin:0;min-width:max-content;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-lg);padding:8px;list-style:none;visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s;z-index:2}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.has-dd:hover>.dd-btn svg,.has-dd.open>.dd-btn svg{transform:rotate(180deg)}
.dd a{display:block;padding:9px 14px;border-radius:9px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;white-space:nowrap;min-height:40px}
.dd a:hover{background:var(--blue-tint);color:var(--blue-dark)}
.nav-toggle{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}
.nav-toggle span{display:block;width:20px;height:2px;background:var(--ink);position:relative}
.nav-toggle span::before,.nav-toggle span::after{content:"";position:absolute;left:0;width:20px;height:2px;background:var(--ink)}
.nav-toggle span::before{top:-6px}.nav-toggle span::after{top:6px}

/* ---------- Hero (Layout C full-bleed) ---------- */
.hero{position:relative;isolation:isolate;min-height:clamp(500px,62vh,650px);display:flex;align-items:center;color:#fff;overflow:hidden;background:var(--navy-deep)}
.hero-media{position:absolute;inset:0;z-index:-2}
.hero-media img{width:100%;height:100%;object-fit:cover;object-position:center 30%}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(4,18,36,.92) 0%,rgba(4,18,36,.82) 38%,rgba(4,18,36,.45) 66%,rgba(4,18,36,.18) 100%)}
.hero-inner{padding-block:56px 64px;width:100%}
.hero-text{max-width:640px}
.hero h1{color:#fff;margin-top:.25em}
.hero .lead{font-size:1.18rem;color:#e6f0fb;max-width:58ch}
.updated{display:inline-flex;align-items:center;gap:8px;font-size:.92rem;color:#cfe3f7;margin:0 0 1em}
.updated::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--green)}
.byline{font-size:.95rem;color:#e6f0fb;margin:0 0 .35em}
.byline strong{color:#fff}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 24px;border-radius:12px;font-weight:800;text-decoration:none;font-size:1rem;border:2px solid transparent}
.btn-green{background:var(--green);color:#052e16}
.btn-green:hover{background:#16b350;color:#052e16}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:#0b7cf0;color:#fff}
.btn-ghost{border-color:rgba(255,255,255,.7);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.crumbs{font-size:.9rem;margin:0 0 6px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0}
.crumbs li{display:flex;align-items:center;gap:6px}
.crumbs li+li::before{content:"/";opacity:.6}
.crumbs a{color:#cfe3f7;text-decoration:none}
.crumbs a:hover{color:#fff;text-decoration:underline}
.crumbs [aria-current]{color:#fff}

/* ---------- Form card ---------- */
.form-section{padding-block:48px 24px;background:linear-gradient(180deg,var(--blue-tint),#fff)}
#apply-form{scroll-margin-top:90px}
.form-card{max-width:1020px;margin:0 auto;background:#fff;border-radius:16px;box-shadow:0 8px 28px rgba(10,79,163,.14);padding:34px 34px 28px;position:relative;overflow:hidden;border:1px solid var(--line)}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,var(--green),var(--blue))}
.form-title{font-size:1.5rem;font-weight:800;margin:0 0 4px;text-align:center}
.form-trust{color:var(--muted);text-align:center;margin:0 0 18px;font-size:.98rem}
.form-wrap{position:relative;z-index:1;isolation:isolate;min-height:200px}

/* ---------- Sections ---------- */
.band{padding-block:56px}
.band-tint{background:var(--blue-tint)}
.band-green{background:var(--green-tint)}
.band-head{max-width:760px;margin:0 0 26px}
.band-title{font-size:clamp(1.4rem,2.4vw,1.85rem);font-weight:800;margin:0 0 6px;line-height:1.25;text-wrap:balance}
.band-sub{color:var(--muted);margin:0}
.grid{display:grid;gap:22px}
.g6{grid-template-columns:repeat(6,minmax(0,1fr))}
.g5{grid-template-columns:repeat(5,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;box-shadow:0 2px 10px rgba(10,79,163,.05);transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.card-img{display:block;aspect-ratio:16/10;overflow:hidden;background:var(--blue-tint)}
.card-img img{width:100%;height:100%;object-fit:cover}
.card-body{padding:16px 18px 20px;display:flex;flex-direction:column;gap:6px;flex:1}
.card-title{font-weight:800;font-size:1.08rem;line-height:1.3;margin:0;text-wrap:balance}
.card-title a{color:var(--ink);text-decoration:none}
.card-title a:hover{color:var(--blue-text)}
.card-text{color:var(--ink-2);font-size:.95rem;line-height:1.55;margin:0}
.card-meta{font-size:.85rem;color:var(--muted);margin-top:auto}
.amt-card .card-title{font-size:1.25rem}
.amt-card .card-body{gap:4px}
.pill{display:inline-block;font-size:.78rem;font-weight:700;padding:3px 10px;border-radius:999px;background:var(--green-tint);color:var(--green-text);align-self:flex-start}
.stat-row{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:26px}
.stat{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);border-radius:14px;padding:12px 16px}
.stat b{display:block;font-size:1.35rem;color:#fff}
.stat span{font-size:.88rem;color:#d7e6f6}

/* ---------- Page grid ---------- */
.page-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start;padding-block:48px 64px}
.page-single{max-width:860px;margin:0 auto;padding-block:48px 64px}
article{min-width:0}
.article-body>p:first-child{font-size:1.1rem}
.answer-lead{background:var(--blue-tint);border-left:4px solid var(--blue);padding:14px 18px;border-radius:0 12px 12px 0;font-weight:500;text-wrap:balance}
.article-body ul,.article-body ol{padding-left:1.3em;margin:0 0 1.1em}
.article-body li{margin-bottom:.4em}
.toc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:0 0 30px;box-shadow:0 2px 10px rgba(10,79,163,.05)}
.toc-title{font-weight:800;margin:0 0 8px;font-size:1.02rem}
.toc ol{margin:0;padding-left:1.2em;columns:2;column-gap:28px}
.toc li{margin-bottom:6px;break-inside:avoid;font-size:.95rem;line-height:1.4}
.toc a{text-decoration:none}
.toc a:hover{text-decoration:underline}
.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;min-width:520px}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--ink);color:#fff;font-weight:700}
tbody tr:nth-child(even){background:#f7fbff}
caption{caption-side:bottom;font-size:.85rem;color:var(--muted);padding:8px 12px;text-align:left}
.body-img{margin:28px auto 30px;max-width:520px}
.body-img img{width:100%;height:auto;border-radius:16px;box-shadow:var(--shadow)}
.body-img figcaption{font-size:.86rem;color:var(--muted);margin-top:8px;text-align:center}
.article-body dl{margin:0 0 1.4em}
.article-body dt{font-weight:800;font-size:1.06rem;margin-top:1.1em;scroll-margin-top:90px;color:var(--ink)}
.article-body dd{margin:.25em 0 0;color:var(--ink-2)}
.qa{border:1px solid var(--line);border-radius:12px;padding:4px 18px 6px;margin:0 0 14px;background:#fff}
.qa h3{font-size:1.06rem;margin:.9em 0 .35em}
ol.howto{counter-reset:step;list-style:none;padding:0}
ol.howto li{counter-increment:step;position:relative;padding:14px 16px 14px 62px;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;background:#fff}
ol.howto li::before{content:counter(step);position:absolute;left:16px;top:14px;width:32px;height:32px;border-radius:50%;background:var(--green);color:#052e16;font-weight:800;display:flex;align-items:center;justify-content:center}
.block{margin-top:40px}
.block-title{font-weight:800;font-size:1.2rem;margin:0 0 14px}
.term-cards .card-body{text-align:center;align-items:center}
.term-amt{font-size:1.9rem;font-weight:800;color:var(--blue-dark);line-height:1.1}
.term-note{font-size:.85rem;color:var(--muted);margin-top:8px}
.link-chips{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.link-chips a{display:inline-flex;align-items:center;min-height:44px;padding:8px 16px;border-radius:999px;border:1px solid var(--line);background:#fff;text-decoration:none;font-weight:700}
.link-chips a:hover{border-color:var(--blue);background:var(--blue-tint)}
.author-box{display:flex;gap:16px;align-items:flex-start;border:1px solid var(--line);border-radius:14px;padding:18px 20px;background:var(--green-tint)}
.author-initials{flex:none;width:52px;height:52px;border-radius:50%;background:var(--green-text);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:1.1rem}
.author-name{font-weight:800;margin:0}
.author-role{color:var(--green-text);font-weight:700;font-size:.92rem;margin:0 0 6px}
.author-box p:last-child{margin:0;font-size:.95rem}
.share{display:flex;flex-wrap:wrap;gap:10px;align-items:center}
.share a,.share button{display:inline-flex;align-items:center;min-height:44px;padding:8px 16px;border-radius:10px;border:1px solid var(--line);background:#fff;color:var(--ink);font-weight:700;text-decoration:none;font-family:inherit;font-size:.92rem;cursor:pointer}
.share a:hover,.share button:hover{border-color:var(--blue);color:var(--blue-dark)}
.mini-faq h2{margin-top:2.2em}
.mini-faq .qa h3{margin-top:.8em}
.note{font-size:.9rem;color:var(--muted);background:#f7fafc;border:1px solid var(--line);border-radius:12px;padding:12px 16px}

/* Reviews */
.rating-summary{display:flex;flex-wrap:wrap;gap:24px;align-items:center;background:var(--blue-tint);border-radius:16px;padding:22px 26px;margin:0 0 26px}
.rating-big{font-size:3rem;font-weight:800;line-height:1;color:var(--ink)}
.stars{color:#f59e0b;letter-spacing:2px;font-size:1.15rem}
.review-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.review{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:8px}
.review p{margin:0;font-size:.95rem;line-height:1.6}
.review-meta{font-size:.85rem;color:var(--muted);margin-top:auto}
.review-name{font-weight:800}

/* Calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:26px;margin:0 0 34px}
.calc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:26px}
.calc label{display:block;font-weight:700;margin-bottom:6px}
.calc input[type=range]{width:100%;accent-color:var(--blue)}
.calc select,.calc input[type=number]{width:100%;min-height:46px;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font:inherit;background:#fff}
.calc-out{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:22px}
.calc-out div{background:var(--blue-tint);border-radius:12px;padding:14px;text-align:center}
.calc-out b{display:block;font-size:1.5rem;color:var(--blue-dark)}
.calc-out span{font-size:.85rem;color:var(--ink-2)}
.calc-val{font-size:1.4rem;font-weight:800;color:var(--ink)}

/* Sidebar */
.sidebar{display:flex;flex-direction:column;gap:18px;min-width:0}
.sbox{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px;font-size:.94rem;line-height:1.55}
.sbox-title{font-weight:800;font-size:1rem;margin:0 0 8px;color:var(--ink)}
.sbox p{margin:0 0 8px}
.sbox p:last-child{margin-bottom:0}
.sbox ul,.sbox ol{margin:0;padding-left:1.15em}
.sbox li{margin-bottom:5px}
.sbox table{min-width:0;font-size:.88rem}
.sbox th,.sbox td{padding:7px 8px}
.sbox-cta{background:linear-gradient(150deg,#0a3f86,#1a8cff);color:#fff;border:0}
.sbox-cta .sbox-title,.sbox-cta p{color:#fff}
.sbox-cta .btn{width:100%;margin-top:6px}
.sbox-green{background:var(--green-tint);border-color:#c7f0d6}
.sbox-blue{background:var(--blue-tint);border-color:#cfe4fb}
.sticky-cta{position:sticky;top:calc(var(--nav-h) + 20px)}
.sb-links{list-style:none;padding:0!important;margin:0}
.sb-links li{margin:0}
.sb-links a{display:flex;justify-content:space-between;align-items:center;min-height:40px;padding:6px 0;border-bottom:1px dashed var(--line);text-decoration:none;font-weight:600}
.sb-links li:last-child a{border-bottom:0}

/* CTA zone */
.cta-zone{position:relative;isolation:isolate;color:#fff;overflow:hidden;background:var(--navy-deep)}
.cta-zone>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.cta-zone::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(4,18,36,.9) 0%,rgba(4,18,36,.72) 50%,rgba(10,63,134,.42) 100%)}
.cta-inner{padding-block:64px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}
.cta-title{font-size:clamp(1.5rem,2.6vw,2.1rem);font-weight:800;margin:0 0 6px;color:#fff;text-wrap:balance}
.cta-zone p{color:#dbe8f6;margin:0;max-width:60ch}

/* Footer */
.site-footer{background:var(--navy-deep);color:#c9d6e3;font-size:.94rem}
.footer-top{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,3fr);gap:48px;padding-block:56px 32px}
.footer-brand .logo{color:#fff}
.footer-brand p{margin:.8em 0 0;line-height:1.6}
.nap{font-style:normal;line-height:1.75;margin-top:14px}
.nap a{color:#fff}
.footer-cols{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:28px}
.fcol-title{color:#fff;font-weight:800;margin:0 0 10px}
.footer-cols ul{list-style:none;margin:0;padding:0}
.footer-cols li{margin:0}
.footer-cols a{color:#c9d6e3;text-decoration:none;display:inline-flex;align-items:center;min-height:36px}
.footer-cols a:hover{color:#fff;text-decoration:underline}
.disclosure{border-top:1px solid rgba(255,255,255,.12);padding-block:24px;font-size:.86rem;line-height:1.65;color:#aebfd0}
.disclosure p{margin:0 0 .8em}
.disclosure a{color:#fff}
.copyright{border-top:1px solid rgba(255,255,255,.12);padding-block:18px;font-size:.86rem;color:#aebfd0}
.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-lg);cursor:pointer;display:flex;align-items:center;justify-content:center;opacity:0;visibility:hidden;transition:opacity .2s,visibility .2s;z-index:2147482000}
.to-top.show{opacity:1;visibility:visible}
.to-top svg{width:20px;height:20px}

/* ---------- Responsive ---------- */
@media (max-width:1200px){.g6{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:1020px){
  .page-grid{grid-template-columns:minmax(0,1fr);gap:36px}
  .box-x{display:none}
  .sticky-cta{position:static}
  .g5{grid-template-columns:minmax(0,1fr)}
  .g5 .card{flex-direction:row}
  .g5 .card-img{width:38%;aspect-ratio:auto;flex:none}
  .footer-top{grid-template-columns:minmax(0,1fr);gap:32px}
  .review-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:980px){
  .nav-toggle{display:flex}
  .nav-inner{flex-wrap:wrap;height:auto;min-height:var(--nav-h);gap:0;padding-block:12px}
  .nav-links{display:none;flex-direction:column;align-items:stretch;width:100%;flex:none;padding:10px 0 6px}
  .site-nav.menu-open .nav-links{display:flex}
  .nav-links>li>a,.dd-btn{width:100%;justify-content:space-between;min-height:48px}
  .dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;padding:0 0 6px 14px;min-width:0}
  .dd::before{display:none}
  .has-dd:hover>.dd,.has-dd:focus-within>.dd{display:none}
  .has-dd.open>.dd{display:block}
  .dd a{min-height:44px;display:flex;align-items:center}
  .nav-links .nav-apply{margin:8px 0 0}
  .nav-links .btn-apply{width:100%}
}
@media (max-width:760px){
  body{font-size:16.5px}
  .container{padding-inline:16px}
  .hero{min-height:560px;align-items:flex-end}
  .hero::before{background:linear-gradient(180deg,rgba(4,18,36,.45) 0%,rgba(4,18,36,.82) 45%,rgba(4,18,36,.94) 100%)}
  .hero-inner{padding-block:120px 40px}
  .g6{grid-template-columns:repeat(2,minmax(0,1fr))}
  .g3,.g2,.review-grid,.stat-row{grid-template-columns:minmax(0,1fr)}
  .answer-lead,.article-body p,.qa p{text-wrap:pretty}
  .g5 .card{flex-direction:column}
  .g5 .card-img{width:100%;aspect-ratio:16/10}
  .footer-cols{grid-template-columns:repeat(2,minmax(0,1fr))}
  .form-card{padding:26px 16px 20px;border-radius:12px}
  .toc ol{columns:1}
  .calc-grid,.calc-out{grid-template-columns:minmax(0,1fr)}
  .page-grid,.page-single{padding-block:36px 48px}
  .cta-inner{padding-block:48px}
  table{font-size:.9rem}
}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}