/* Express Capital Funding — full stylesheet (non-critical) */
:root{--blue:#1a56c4;--navy:#0e2a5c;--yellow:#f7b731;--ink:#1c2836;--muted:#4a5a70;--line:#dde5f0;--bg-soft:#f4f7fc}
h1,h2,h3,h4{color:var(--navy);line-height:1.3;text-wrap:balance}
.article-body h2{font-size:28px;margin:38px 0 16px;padding-top:8px}
.article-body h3{font-size:21px;margin:28px 0 12px}
.article-body p{margin-bottom:16px;color:var(--ink)}
.article-body ul,.article-body ol{margin:0 0 18px 26px}
.article-body li{margin-bottom:8px}
.article-body a{color:var(--blue);text-decoration:underline;text-underline-offset:2px}
.article-body a:hover{color:var(--navy)}
.article-body img{max-width:100%;height:auto;border-radius:12px;margin:10px 0 22px;display:block}
.article-body img.img-portrait{max-width:440px;margin-left:auto;margin-right:auto}
.article-body table{width:100%;border-collapse:collapse;margin:20px 0 26px;font-size:15.5px}
.article-body th{background:var(--navy);color:#fff;text-align:left;padding:12px 14px;font-weight:700}
.article-body td{padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.article-body tr:nth-child(even) td{background:var(--bg-soft)}
.lead{font-size:19px;color:var(--muted)}
.breadcrumb{background:var(--bg-soft);border-bottom:1px solid var(--line)}
.crumb-inner{max-width:1240px;margin:0 auto;padding:10px 20px}
.breadcrumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;font-size:14px}
.breadcrumb li+li::before{content:"\203A";margin-right:6px;color:var(--muted)}
.breadcrumb a{color:var(--blue);text-decoration:none}
.breadcrumb a:hover{text-decoration:underline}
.breadcrumb li[aria-current]{color:var(--muted)}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap}
.cta-btn{display:inline-block;background:var(--yellow);color:var(--navy);font-weight:800;padding:14px 30px;border-radius:9px;text-decoration:none;font-size:17px;box-shadow:0 4px 14px rgba(247,183,49,.45)}
.cta-btn:hover,.cta-btn:focus{background:#e5a71f;transform:translateY(-1px)}
.cta-btn-ghost{display:inline-block;border:2px solid #fff;color:#fff;font-weight:700;padding:12px 26px;border-radius:9px;text-decoration:none;font-size:16px}
.cta-btn-ghost:hover,.cta-btn-ghost:focus{background:rgba(255,255,255,.15)}
.form-embed-wrap{position:relative;z-index:1;isolation:isolate;max-width:1240px;margin:0 auto;padding:26px 20px 8px}
.form-embed-wrap #_lg_form_{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 12px 36px rgba(14,42,92,.16),0 3px 10px rgba(14,42,92,.08);padding:18px;overflow:hidden}
@media(max-width:600px){.form-embed-wrap #_lg_form_{padding:10px;border-radius:12px;box-shadow:0 8px 24px rgba(14,42,92,.14)}}
/* TOC */
.toc{background:var(--bg-soft);border:1px solid var(--line);border-left:5px solid var(--yellow);border-radius:10px;padding:20px 24px;margin:0 0 28px}
.toc h2{font-size:18px;margin:0 0 10px;padding:0}
.toc ol{margin:0 0 0 20px;columns:2;column-gap:34px}
.toc li{margin-bottom:6px;font-size:15px}
.toc a{color:var(--blue);text-decoration:none}
.toc a:hover{text-decoration:underline}
/* amount cards */
.amount-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:26px 0 30px}
.amount-card{border:1.5px solid var(--line);border-radius:14px;padding:26px 22px;text-align:center;position:relative;background:#fff;box-shadow:0 3px 14px rgba(14,42,92,.06)}
.ac-featured{border-color:var(--yellow);box-shadow:0 8px 26px rgba(247,183,49,.25)}
.ac-badge{position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:var(--yellow);color:var(--navy);font-size:12.5px;font-weight:800;padding:4px 14px;border-radius:20px;white-space:nowrap}
.ac-amt{font-size:25px;font-weight:800;color:var(--blue);margin-bottom:8px}
.amount-card h3{font-size:17px;margin-bottom:10px}
.amount-card p{font-size:14.5px;color:var(--muted);margin-bottom:16px}
.ac-btn{display:inline-block;background:var(--navy);color:#fff;font-weight:700;font-size:14.5px;padding:10px 20px;border-radius:8px;text-decoration:none}
.ac-btn:hover{background:var(--blue)}
/* category cards / blog cards */
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:26px 0 32px}
.card-grid.two{grid-template-columns:repeat(2,1fr)}
.c-card{border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff;box-shadow:0 3px 14px rgba(14,42,92,.07);display:flex;flex-direction:column}
.c-card img{width:100%;height:auto;display:block;margin:0;border-radius:0}
.c-card .cc-body{padding:18px 20px 22px;display:flex;flex-direction:column;flex:1}
.c-card h3{font-size:18px;margin-bottom:8px}
.c-card h3 a{color:var(--navy);text-decoration:none}
.c-card h3 a:hover{color:var(--blue);text-decoration:underline}
.c-card p{font-size:14.5px;color:var(--muted);flex:1}
.cc-link{font-weight:700;color:var(--blue);text-decoration:none;font-size:14.5px}
.cc-link:hover{text-decoration:underline}
.cc-meta{font-size:13px;color:var(--muted);margin-bottom:8px}
/* mini faq */
.mini-faq{margin-top:36px}
.mini-faq-item{border:1px solid var(--line);border-radius:10px;margin-bottom:12px;background:#fff}
.mini-faq-item summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 18px;font-size:16.5px;list-style-position:inside}
.mini-faq-item summary:hover{color:var(--blue)}
.mini-faq-item p{padding:0 18px 16px;color:var(--ink)}
/* sidebar */
.sidebar{display:flex;flex-direction:column;gap:18px}
.sb-box{border:1px solid var(--line);border-radius:12px;padding:20px;background:#fff;box-shadow:0 2px 10px rgba(14,42,92,.05)}
.sb-box h3{font-size:16.5px;margin-bottom:10px}
.sb-box p{font-size:14.5px;color:var(--muted);margin-bottom:10px}
.sb-box ul,.sb-box ol{margin-left:18px;font-size:14.5px}
.sb-box li{margin-bottom:7px}
.sb-box a{color:var(--blue);font-weight:600;text-decoration:none;font-size:14.5px}
.sb-box a:hover{text-decoration:underline}
.sb-cta{background:linear-gradient(135deg,var(--navy),var(--blue));border:none}
.sb-cta h3,.sb-cta p{color:#fff}
.sb-cta p{color:#dce6f7}
.sb-btn{display:inline-block;background:var(--yellow);color:var(--navy)!important;font-weight:800;padding:11px 22px;border-radius:8px;text-decoration:none!important}
.sb-btn:hover{background:#e5a71f}
.sb-facts{list-style:none;margin-left:0!important}
.sb-facts li{padding:6px 0;border-bottom:1px dashed var(--line);font-size:14.5px}
.sb-facts li:last-child{border-bottom:none}
.sb-stars{color:var(--yellow);font-size:19px;letter-spacing:2px}
.sb-stars strong{color:var(--ink);font-size:15px;letter-spacing:0;margin-left:6px}
.sb-steps{counter-reset:s}
.sb-contact address{font-style:normal;display:flex;flex-direction:column;gap:6px;margin-bottom:10px;font-size:14.5px;color:var(--muted)}
/* CTA zone */
.cta-zone{background:linear-gradient(135deg,var(--navy) 0%,var(--blue) 90%);color:#fff;margin-top:20px}
.cta-inner{max-width:1240px;margin:0 auto;padding:52px 20px;display:grid;gap:34px;align-items:center}
.cta-with-img .cta-inner{grid-template-columns:1.2fr .8fr}
.cta-zone h2{color:#fff;font-size:30px;margin-bottom:12px}
.cta-zone p{color:#dce6f7;font-size:17.5px;margin-bottom:24px;max-width:720px}
.cta-zone img{width:100%;height:auto;border-radius:14px;box-shadow:0 14px 40px rgba(0,0,0,.3)}
.cta-text .cta-btn{margin-right:14px}
/* footer */
.site-footer{background:var(--navy);color:#c7d4ea;margin-top:0}
.foot-grid{max-width:1240px;margin:0 auto;padding:54px 20px 30px;display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr .8fr;gap:34px}
.foot-col h3{color:var(--yellow);font-size:15.5px;text-transform:uppercase;letter-spacing:.8px;margin-bottom:14px}
.foot-col ul{list-style:none}
.foot-col li{margin-bottom:9px}
.foot-col a{color:#c7d4ea;text-decoration:none;font-size:14.5px}
.foot-col a:hover{color:#fff;text-decoration:underline}
.logo-foot{color:#fff!important;font-size:19px!important;margin-bottom:14px}
.foot-tag{font-size:14.5px;margin-bottom:16px;color:#a9bbd8}
.foot-nap{font-style:normal;display:flex;flex-direction:column;gap:7px;font-size:14.5px}
.foot-nap a{color:var(--yellow);text-decoration:none}
.foot-nap a:hover{text-decoration:underline}
.foot-disclosure{border-top:1px solid rgba(255,255,255,.14)}
.foot-disclosure p{max-width:1240px;margin:0 auto;padding:24px 20px;font-size:13px;line-height:1.65;color:#a9bbd8}
.foot-disclosure a{color:var(--yellow)}
.foot-bottom{border-top:1px solid rgba(255,255,255,.14)}
.foot-bottom p{max-width:1240px;margin:0 auto;padding:18px 20px;font-size:13.5px;color:#a9bbd8}
/* scroll top */
.scroll-top{position:fixed;bottom:26px;right:26px;width:50px;height:50px;border-radius:50%;background:var(--yellow);color:var(--navy);border:none;font-size:22px;font-weight:800;cursor:pointer;box-shadow:0 6px 20px rgba(14,42,92,.3);opacity:0;pointer-events:none;transition:opacity .25s;z-index:900}
.scroll-top.show{opacity:1;pointer-events:auto}
.scroll-top:hover{background:#e5a71f}
/* calculator */
.calc-box{border:2px solid var(--blue);border-radius:16px;padding:30px;background:var(--bg-soft);margin:24px 0 30px}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-bottom:20px}
.calc-field label{display:block;font-weight:700;color:var(--navy);margin-bottom:8px;font-size:15.5px}
.calc-field input[type=range]{width:100%;accent-color:var(--blue)}
.calc-field select,.calc-field input[type=number]{width:100%;padding:12px;border:1.5px solid var(--line);border-radius:8px;font-size:16px}
.calc-val{font-weight:800;color:var(--blue);font-size:22px}
.calc-out{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px;text-align:center}
.calc-out .co-amt{font-size:38px;font-weight:800;color:var(--navy)}
.calc-out .co-lbl{font-size:14.5px;color:var(--muted)}
.calc-note{font-size:13.5px;color:var(--muted);margin-top:14px}
.calc-btn{background:var(--blue);color:#fff;border:none;font-weight:800;font-size:16px;padding:13px 30px;border-radius:9px;cursor:pointer;width:100%}
.calc-btn:hover{background:var(--navy)}
/* review */
.review-summary{display:flex;align-items:center;gap:26px;background:var(--bg-soft);border:1px solid var(--line);border-radius:14px;padding:26px;margin:24px 0}
.rs-score{font-size:56px;font-weight:800;color:var(--navy);line-height:1}
.rs-stars{color:var(--yellow);font-size:26px;letter-spacing:3px}
.rs-meta{color:var(--muted);font-size:15px}
.review-card{border:1px solid var(--line);border-radius:12px;padding:22px;margin-bottom:16px;background:#fff}
.rv-head{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;margin-bottom:8px}
.rv-name{font-weight:700;color:var(--navy)}
.rv-stars{color:var(--yellow);letter-spacing:2px}
.rv-loc{font-size:13.5px;color:var(--muted)}
/* glossary */
.gl-az{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 26px}
.gl-az a{display:inline-block;min-width:38px;text-align:center;padding:8px 10px;border:1px solid var(--line);border-radius:8px;color:var(--blue);font-weight:700;text-decoration:none}
.gl-az a:hover{background:var(--blue);color:#fff}
.gl-term{border-bottom:1px solid var(--line);padding:18px 0}
.gl-term h3{margin:0 0 8px!important}
/* author box */
.author-box{display:flex;gap:16px;background:var(--bg-soft);border:1px solid var(--line);border-left:5px solid var(--blue);border-radius:10px;padding:20px;margin:30px 0}
.author-box .ab-init{flex:none;width:56px;height:56px;border-radius:50%;background:var(--navy);color:var(--yellow);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:20px}
.author-box h3{font-size:16.5px;margin-bottom:2px}
.author-box .ab-role{font-size:13.5px;color:var(--blue);font-weight:700;margin-bottom:8px}
.author-box p{font-size:14.5px;color:var(--muted);margin:0}
.post-meta{display:flex;gap:16px;flex-wrap:wrap;font-size:14px;color:var(--muted);margin-bottom:20px;padding-bottom:14px;border-bottom:1px solid var(--line)}
.share-row{display:flex;gap:10px;margin:26px 0;flex-wrap:wrap}
.share-btn{display:inline-flex;align-items:center;gap:7px;border:1.5px solid var(--line);border-radius:8px;padding:9px 16px;font-size:14px;font-weight:700;color:var(--navy);text-decoration:none;background:#fff}
.share-btn:hover{border-color:var(--blue);color:var(--blue)}
/* misc */
.answer-first{background:#fff8e6;border-left:5px solid var(--yellow);border-radius:8px;padding:16px 20px;margin-bottom:18px;font-size:16.5px}
.notice{background:var(--bg-soft);border:1px solid var(--line);border-radius:10px;padding:16px 20px;font-size:14.5px;color:var(--muted);margin:20px 0}
.check-list{list-style:none;margin-left:0!important}
.check-list li{padding-left:30px;position:relative;margin-bottom:10px}
.check-list li::before{content:"\2713";position:absolute;left:0;top:0;color:var(--blue);font-weight:800;font-size:18px}
.steps-list{counter-reset:step;list-style:none;margin-left:0!important}
.steps-list li{counter-increment:step;padding-left:52px;position:relative;margin-bottom:18px;min-height:40px}
.steps-list li::before{content:counter(step);position:absolute;left:0;top:0;width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:17px}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
@media(max-width:900px){.amount-cards,.card-grid{grid-template-columns:1fr 1fr}.toc ol{columns:1}.cta-with-img .cta-inner{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.amount-cards,.card-grid,.card-grid.two{grid-template-columns:1fr}.calc-row{grid-template-columns:1fr}.review-summary{flex-direction:column;text-align:center;gap:12px}.article-body h2{font-size:24px}.foot-grid{grid-template-columns:1fr}}
/* === polish pass: symmetry, badges, related, sitemap, figures === */
.hero-copy{min-width:0}
.hero-badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.hero-badges span{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);color:#fff;font-size:13.5px;font-weight:700;padding:8px 14px;border-radius:20px}
.body-fig{margin:26px auto 30px;max-width:460px}
.body-fig img{width:100%;height:auto;border-radius:14px;box-shadow:0 10px 30px rgba(14,42,92,.14);margin:0}
.related-posts{margin-top:36px;padding-top:8px;border-top:1px solid var(--line)}
.rel-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:18px}
.rel-card{border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff;text-decoration:none;box-shadow:0 3px 14px rgba(14,42,92,.07);transition:transform .15s,box-shadow .15s;display:flex;flex-direction:column}
.rel-card:hover{transform:translateY(-3px);box-shadow:0 10px 26px rgba(14,42,92,.14)}
.rel-card img{width:100%;height:auto;display:block;margin:0;border-radius:0}
.rel-card h3{font-size:16.5px;padding:14px 18px 18px;margin:0;color:var(--navy)}
.rel-card:hover h3{color:var(--blue)}
.share-row{align-items:center}
.share-row>span{font-weight:700;color:var(--navy);font-size:14.5px}
.share-row a{display:inline-flex;align-items:center;border:1.5px solid var(--line);border-radius:8px;padding:9px 16px;font-size:14px;font-weight:700;color:var(--navy);text-decoration:none;background:#fff}
.share-row a:hover{border-color:var(--blue);color:var(--blue)}
.faq-item{border:1px solid var(--line);border-radius:12px;padding:20px 22px;margin-bottom:14px;background:#fff;box-shadow:0 2px 10px rgba(14,42,92,.04)}
.faq-item h3{margin:0 0 8px!important;font-size:17.5px}
.faq-item p{margin:0}
.sitemap-list{list-style:none;margin:0 0 26px!important;columns:3;column-gap:34px}
.sitemap-list li{margin-bottom:9px;break-inside:avoid;padding-left:20px;position:relative}
.sitemap-list li::before{content:"\2192";position:absolute;left:0;color:var(--yellow);font-weight:800}
.sitemap-list a{color:var(--blue);text-decoration:none;font-weight:600;font-size:15px}
.sitemap-list a:hover{text-decoration:underline}
/* symmetric wrapping: odd last card fills its row at 2-col widths */
@media(max-width:900px) and (min-width:601px){
.card-grid>.c-card:last-child:nth-child(odd){grid-column:1/-1}
.rel-grid{grid-template-columns:repeat(2,1fr)}
.foot-brand{grid-column:1/-1}
.amount-cards{grid-template-columns:repeat(3,1fr);gap:12px}
.amount-card{padding:18px 12px}
.sitemap-list{columns:2}
}
@media(max-width:600px){
.rel-grid{grid-template-columns:1fr}
.hero-badges span{font-size:12.5px;padding:7px 11px}
.sitemap-list{columns:1}
.share-row a{padding:8px 12px}
.body-fig{max-width:100%}
}
/* portrait hero treatment */
.hero img.hero-img-portrait{max-width:360px;justify-self:center;box-shadow:0 16px 44px rgba(0,0,0,.35)}
@media(max-width:1020px){.hero img.hero-img-portrait{max-width:300px;margin:0 auto}}
.lead,.answer-first{text-wrap:pretty}