.loans-pillar{padding-top:20px;padding-bottom:62px}
.loans-pillar a:not(.btn):not(.loan-directory-card):not(.loan-tool-card){text-decoration-thickness:1px;text-underline-offset:3px}
.loans-hero{display:grid;grid-template-columns:minmax(0,1fr) minmax(360px,.9fr);gap:clamp(30px,5vw,72px);align-items:center;padding:30px 0 54px}
.loans-hero h1{max-width:780px;margin:10px 0 18px;font-size:clamp(2.25rem,5vw,4.35rem);line-height:1.02;letter-spacing:-.05em}
.loans-lead{max-width:760px;margin:0;color:var(--muted);font-size:clamp(1.05rem,1.8vw,1.25rem);line-height:1.72}
.loans-meta{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:20px;color:var(--muted);font-size:.9rem}
.loans-actions{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0 0}
.loans-disclaimer{margin:20px 0 0;padding:16px 18px;border:1px solid #cee0f0;border-radius:16px;background:#f4f9fd;color:var(--muted);font-size:.92rem;line-height:1.6}
.loans-hero figure{margin:0}
.loans-hero img{display:block;width:100%;aspect-ratio:3/2;object-fit:cover;border:1px solid var(--line);border-radius:26px;box-shadow:0 22px 50px rgba(11,40,70,.14)}
.eyebrow{margin:0;color:var(--brand2);font-size:.8rem;font-weight:850;letter-spacing:.09em;text-transform:uppercase}
.loans-section{padding:48px 0;border-top:1px solid var(--line);scroll-margin-top:88px}
.loans-section>h2,.section-heading h2{margin:8px 0 16px;font-size:clamp(1.7rem,3vw,2.45rem);line-height:1.14;letter-spacing:-.03em}
.loans-section>p{max-width:930px;color:var(--muted);font-size:1.02rem;line-height:1.78}
.section-heading{display:grid;grid-template-columns:minmax(0,1fr) minmax(260px,.65fr);gap:30px;align-items:end;margin-bottom:24px}
.section-heading h2{margin-bottom:0}
.section-heading>p{margin:0;color:var(--muted);line-height:1.65}
.loans-summary{padding-top:38px}
.loans-summary-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:15px;margin-top:22px}
.loans-summary-grid article,.concept-grid article,.mistakes-grid article{padding:22px;border:1px solid var(--line);border-radius:20px;background:linear-gradient(180deg,#fff,#f7fbff)}
.loans-summary-grid b,.mistakes-grid b{display:inline-grid;width:34px;height:34px;place-items:center;border-radius:10px;background:#e6f2fc;color:var(--brand);font-size:.8rem}
.loans-summary-grid h3,.concept-grid h3,.mistakes-grid h3{margin:14px 0 8px;font-size:1.05rem}
.loans-summary-grid p,.concept-grid p,.mistakes-grid p{margin:0;color:var(--muted);line-height:1.58}
.loans-toc{margin:10px 0;padding:20px 22px;border:1px solid #cfe1f2;border-radius:18px;background:#f7fbff}
.loans-toc summary{cursor:pointer;color:var(--text);font-weight:850}
.loans-toc ol{columns:2;gap:40px;margin:18px 0 0;padding-left:1.2rem}
.loans-toc li{break-inside:avoid;margin:9px 0}
.loan-process{display:grid;grid-template-columns:repeat(7,minmax(0,1fr));gap:10px;margin:24px 0}
.loan-process article{position:relative;padding:18px 14px;border:1px solid var(--line);border-radius:18px;background:#fff}
.loan-process article:not(:last-child)::after{content:"→";position:absolute;right:-10px;top:21px;z-index:2;color:var(--brand);font-weight:900}
.loan-process b{color:var(--brand);font-size:.8rem}
.loan-process h3{margin:10px 0 7px;font-size:.96rem}
.loan-process p{margin:0;color:var(--muted);font-size:.83rem;line-height:1.48}
.loan-split{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin:24px 0}
.loan-split article{padding:25px;border:1px solid #cfe1f2;border-radius:20px;background:#f7fbff}
.loan-split h3{margin:0 0 10px;font-size:1.2rem}
.loan-split p{color:var(--muted);line-height:1.7}
.concept-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px;margin:22px 0}
.example-box{margin-top:24px;padding:26px;border:1px solid #cfe1f2;border-radius:20px;background:#eef7ff}
.example-box h3{margin:0 0 10px}
.example-box p{color:var(--muted);line-height:1.72}
.loan-category-nav{display:flex;position:sticky;top:74px;z-index:5;flex-wrap:wrap;gap:9px;margin:4px 0 38px;padding:13px;border:1px solid var(--line);border-radius:18px;background:rgba(247,251,255,.97);backdrop-filter:blur(12px)}
.loan-category-nav a{padding:9px 12px;border:1px solid #cfe1f2;border-radius:999px;background:#fff;color:var(--brand);font-size:.85rem;font-weight:800;text-decoration:none!important}
.loan-category-nav a:hover,.loan-category-nav a:focus-visible{background:var(--brand);color:#fff;outline:0}
.loan-category{padding:38px 0 14px;border-top:1px solid var(--line)}
.loan-category-heading{display:grid;grid-template-columns:minmax(0,1fr) minmax(260px,.65fr);gap:26px;align-items:end;margin-bottom:18px}
.loan-category-heading h3{margin:8px 0 0;font-size:clamp(1.35rem,2.3vw,1.9rem)}
.loan-category-heading>p{margin:0;color:var(--muted);line-height:1.6}
.loan-directory-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:15px}
.loan-directory-card{position:relative;display:flex;overflow:hidden;flex-direction:column;border:1px solid var(--line);border-radius:19px;background:#fff;box-shadow:0 8px 22px rgba(11,18,32,.05);cursor:pointer;text-decoration:none;touch-action:manipulation;transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease}
.loan-directory-card>*{pointer-events:none}
.loan-directory-card:hover{transform:translateY(-3px);border-color:rgba(18,106,168,.38);box-shadow:0 16px 34px rgba(11,18,32,.1)}
.loan-directory-card:focus-visible{outline:3px solid rgba(18,106,168,.28);outline-offset:3px}
.loan-directory-card img{display:block;width:100%;aspect-ratio:3/2;object-fit:cover;background:#e8f2fb}
.loan-directory-card-body{display:flex;flex:1;flex-direction:column;padding:18px}
.loan-directory-card h3{margin:0 0 8px;color:var(--text);font-size:1.03rem;line-height:1.3}
.loan-directory-card p{margin:0;color:var(--muted);font-size:.88rem;line-height:1.55}
.loan-card-cta{margin-top:auto;padding-top:15px;color:var(--brand);font-size:.86rem;font-weight:850}
.loan-card-cta::after{content:" →"}
.mistakes-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:15px;margin:22px 0}
.loan-tools-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:15px}
.loan-tool-card{display:flex;min-height:170px;flex-direction:column;padding:22px;border:1px solid var(--line);border-radius:19px;background:linear-gradient(145deg,#fff,#f2f8fd);text-decoration:none}
.loan-tool-card:hover{border-color:rgba(18,106,168,.4);box-shadow:var(--shadow)}
.loan-tool-card:focus-visible{outline:3px solid rgba(18,106,168,.28);outline-offset:3px}
.loan-tool-card strong{color:var(--text);font-size:1.06rem}
.loan-tool-card span{margin:10px 0;color:var(--muted);font-size:.9rem;line-height:1.55}
.loan-tool-card b{margin-top:auto;color:var(--brand);font-size:.86rem}
.loan-checklist{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:22px 0;padding:0;list-style:none}
.loan-checklist li{position:relative;padding:16px 16px 16px 48px;border:1px solid var(--line);border-radius:16px;background:#fff}
.loan-checklist li::before{content:"✓";position:absolute;left:17px;top:14px;display:grid;width:23px;height:23px;place-items:center;border-radius:50%;background:#e5f3ed;color:#1f7257;font-weight:900}
.loans-end{margin-top:20px;padding:32px;border:1px solid #cfe1f2;border-radius:22px;background:#f7fbff}
@media(max-width:1100px){.loan-directory-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.loan-process{grid-template-columns:repeat(4,minmax(0,1fr))}.loan-process article::after{display:none}.loan-tools-grid,.mistakes-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:860px){.loans-hero{grid-template-columns:1fr;padding-top:18px}.loans-hero figure{order:-1}.loans-summary-grid,.concept-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.loan-directory-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.section-heading,.loan-category-heading{grid-template-columns:1fr;gap:10px}.loan-category-nav{position:static;overflow-x:auto;flex-wrap:nowrap}.loan-category-nav a{white-space:nowrap}}
@media(max-width:560px){.loans-pillar{padding-top:6px}.loans-hero{gap:22px;padding-bottom:38px}.loans-hero img{border-radius:18px}.loans-actions .btn{width:100%;justify-content:center}.loans-section{padding:38px 0}.loans-summary-grid,.concept-grid,.loan-directory-grid,.mistakes-grid,.loan-tools-grid,.loan-checklist,.loan-split{grid-template-columns:1fr}.loans-toc ol{columns:1}.loan-process{grid-template-columns:1fr}.loan-directory-card-body{padding:17px}.loans-end{padding:24px}}