:root {
    --saldo-paper: #f6f8f7;
    --saldo-paper-deep: #e9f0ed;
    --saldo-ink: #0c241e;
    --saldo-ink-muted: #52635e;
    --saldo-line: #d9e2de;
    --saldo-line-strong: #adc0b8;
    --saldo-accent: #1f928f;
    --saldo-accent-dark: #086b69;
    --saldo-warn: #9d4f43;
    --saldo-white: #ffffff;
    --saldo-soft: #fbfcfb;
    --saldo-focus: rgba(31, 146, 143, .28);
    --saldo-shadow: 0 18px 45px rgba(12, 36, 30, .08);
    --saldo-shadow-soft: 0 12px 32px rgba(12, 36, 30, .06);
}

*,
*::before,
*::after {
    box-sizing: border-box;
}

html {
    max-width: 100%;
    scroll-behavior: smooth;
}

body {
    max-width: 100%;
    margin: 0;
    background: var(--saldo-paper);
    color: var(--saldo-ink);
    font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
    font-size: 1rem;
    line-height: 1.7;
    overflow-x: hidden;
}

.skip-link {
    position: absolute;
    top: .75rem;
    left: .75rem;
    z-index: 20;
    padding: .5rem .75rem;
    color: var(--saldo-white);
    background: var(--saldo-ink);
    transform: translateY(-150%);
}

.skip-link:focus {
    transform: translateY(0);
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 10;
    border-bottom: 1px solid rgba(12, 36, 30, .08);
    background: rgba(255, 255, 255, .94);
    backdrop-filter: blur(12px);
}

.ledger-nav {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 1rem 0;
}

.brand-mark {
    display: inline-flex;
    align-items: center;
    gap: .65rem;
    color: var(--saldo-ink);
    font-weight: 750;
    letter-spacing: 0;
    text-decoration: none;
}

.brand-symbol {
    display: inline-grid;
    width: 2.35rem;
    height: 2.35rem;
    place-items: center;
    border: 1px solid var(--saldo-ink);
    border-radius: 8px;
    color: var(--saldo-white);
    background: var(--saldo-ink);
    font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", monospace;
    font-size: 1rem;
}

.site-nav {
    display: flex;
    flex-wrap: wrap;
    justify-content: flex-end;
    gap: .25rem .9rem;
    font-size: .95rem;
}

.site-nav a,
.site-footer a,
article a {
    color: var(--saldo-accent-dark);
    text-underline-offset: .18em;
    text-decoration-thickness: 1px;
}

a,
.btn,
.saldo-lender-item,
.saldo-topic-link,
.saldo-hub-card {
    transition: border-color .18s ease, box-shadow .18s ease, color .18s ease, background-color .18s ease, transform .18s ease;
}

.site-nav a {
    color: var(--saldo-ink-muted);
    text-decoration: none;
}

.site-nav a:hover,
.site-nav a:focus,
.brand-mark:hover,
.brand-mark:focus,
article a:hover,
article a:focus {
    color: var(--saldo-ink);
}

.site-main {
    padding: 3.5rem 0 4rem;
}

article {
    max-width: 1060px;
    margin: 0 auto;
    overflow-wrap: break-word;
}

article > h1:first-child {
    margin-top: 0 !important;
}

h1,
h2,
h3 {
    color: var(--saldo-ink);
    font-weight: 760;
    letter-spacing: 0;
    line-height: 1.15;
}

h1 {
    max-width: 820px;
    margin-bottom: 1rem;
    padding-bottom: 1.25rem;
    border-bottom: 1px solid var(--saldo-line-strong);
    font-size: clamp(2.5rem, 5vw, 5.2rem);
}

h2 {
    margin-top: 3rem;
    margin-bottom: 1rem;
    padding-top: 1.1rem;
    border-top: 1px solid rgba(12, 36, 30, .1);
    font-size: clamp(1.45rem, 2vw, 2.1rem);
}

h3 {
    margin-top: 2rem;
    margin-bottom: .75rem;
    font-size: 1.15rem;
}

p {
    max-width: 760px;
}

.saldo-page {
    position: relative;
}

.saldo-article {
    padding-top: .25rem;
}

.saldo-article > p:first-of-type,
.topic-header .lead {
    max-width: 820px;
}

.bg-default,
.top,
footer {
    background: var(--saldo-white);
}

.top {
    border-bottom: 1px solid var(--saldo-line);
}

.logo {
    max-height: 112px;
    padding: 1.5rem;
    object-fit: contain;
}

.loans {
    position: relative;
    margin: 1rem 0 1.35rem;
    border-top: 1px solid var(--saldo-line-strong);
    border-bottom: 1px solid var(--saldo-line);
    background: rgba(255, 253, 248, .72);
}

.loans::before {
    content: "";
    position: absolute;
    top: 0;
    bottom: 0;
    left: .85rem;
    width: 3px;
    background: var(--saldo-accent);
}

.loans > div {
    padding: 1rem .9rem;
}

.loans > div:nth-child(2),
.loans > div:nth-child(3),
.loans > div:nth-child(4) {
    color: var(--saldo-ink-muted);
    font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", monospace;
    font-size: .95rem;
}

.loans b {
    display: block;
    margin-bottom: .2rem;
    color: var(--saldo-ink);
    font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
    font-size: .78rem;
    letter-spacing: .06em;
    text-transform: uppercase;
}

.loans > div > img {
    max-height: 72px;
    mix-blend-mode: multiply;
}

.btn {
    border-radius: 8px;
    text-decoration: none;
}

.btn-danger {
    border: 1px solid var(--saldo-ink);
    color: var(--saldo-white);
    background: var(--saldo-ink);
    box-shadow: 0 10px 20px rgba(12, 36, 30, .14);
}

.btn-danger:hover,
.btn-danger:focus {
    border-color: var(--saldo-accent-dark);
    color: var(--saldo-white);
    background: var(--saldo-accent-dark);
    transform: translateY(-1px);
}

.btn-lg {
    padding: .75rem 1.25rem;
    font-size: 1rem;
}

.lead {
    max-width: 820px;
    color: var(--saldo-ink-muted);
    font-size: clamp(1.1rem, 1.5vw, 1.28rem);
    line-height: 1.65;
}

.saldo-ledger-strip {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    margin: 2rem 0 2.5rem;
    border: 1px solid var(--saldo-line);
    border-radius: 8px;
    background: var(--saldo-white);
    box-shadow: var(--saldo-shadow);
    overflow: hidden;
}

.saldo-ledger-strip > div {
    min-height: 9.25rem;
    padding: 1.1rem;
    border-right: 1px solid var(--saldo-line);
}

.saldo-ledger-strip > div:last-child {
    border-right: 0;
}

.saldo-ledger-strip span {
    display: block;
    margin-bottom: 1.15rem;
    color: var(--saldo-accent-dark);
    font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", monospace;
    font-size: .85rem;
}

.saldo-ledger-strip strong {
    display: block;
    margin-bottom: .35rem;
    font-size: 1.05rem;
    line-height: 1.25;
}

.saldo-ledger-strip small {
    display: block;
    max-width: 18rem;
    color: var(--saldo-ink-muted);
    line-height: 1.45;
}

.saldo-section {
    position: relative;
    padding-top: .1rem;
}

.saldo-section--answer,
.saldo-section--commercial {
    max-width: 100%;
    margin-top: 1.35rem !important;
    padding: .05rem 0 0 1.35rem;
    border-left: 3px solid var(--saldo-accent);
}

.saldo-section--commercial {
    border-left-color: var(--saldo-warn);
}

.saldo-section--answer > h2:first-child,
.saldo-section--commercial > h2:first-child {
    margin-top: 0;
    padding-top: 0;
    border-top: 0;
}

.saldo-checklist,
.saldo-company-list,
.related-list {
    max-width: 820px;
    padding-left: 0;
    list-style: none;
}

.saldo-checklist li,
.saldo-company-list li,
.related-list li {
    position: relative;
    margin-bottom: .72rem;
    padding-left: 1.55rem;
}

.saldo-checklist li::before,
.saldo-company-list li::before,
.related-list li::before {
    content: "";
    position: absolute;
    top: .75em;
    left: 0;
    width: .65rem;
    height: 1px;
    background: var(--saldo-accent-dark);
}

.saldo-table-wrap {
    border-top: 1px solid var(--saldo-line-strong);
    border-bottom: 1px solid var(--saldo-line-strong);
    background: rgba(255, 254, 250, .9);
}

.saldo-compare-table,
.saldo-facts-table {
    min-width: 760px;
    margin-bottom: 0;
    color: var(--saldo-ink);
    --bs-table-bg: transparent;
    --bs-table-striped-bg: rgba(227, 235, 230, .55);
    --bs-table-border-color: var(--saldo-line);
}

.saldo-compare-table thead th {
    border-bottom: 1px solid var(--saldo-ink);
    color: var(--saldo-ink-muted);
    font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", monospace;
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .06em;
    text-transform: uppercase;
}

.saldo-compare-table td,
.saldo-compare-table th,
.saldo-facts-table td,
.saldo-facts-table th {
    padding: 1rem .85rem;
    vertical-align: top;
}

.saldo-facts-table th {
    width: 34%;
    color: var(--saldo-ink-muted);
    font-weight: 700;
}

.saldo-compare-table small,
.saldo-facts-table small {
    color: var(--saldo-ink-muted);
}

.saldo-cta-row {
    text-align: left;
}

.saldo-trust-row {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: .9rem;
    max-width: 980px;
    margin: 1.5rem 0 1.75rem;
}

.saldo-trust-row > div {
    min-width: 0;
    padding: 1.05rem;
    border: 1px solid var(--saldo-line);
    border-radius: 8px;
    background: var(--saldo-white);
    box-shadow: var(--saldo-shadow-soft);
}

.saldo-trust-row span {
    display: block;
    margin-bottom: .5rem;
    color: var(--saldo-accent-dark);
    font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", monospace;
    font-size: .76rem;
}

.saldo-trust-row strong {
    display: block;
    margin-bottom: .25rem;
}

.saldo-trust-row small {
    display: block;
    color: var(--saldo-ink-muted);
    line-height: 1.45;
}

.saldo-company-brief {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1px;
    max-width: 920px;
    margin: 1.5rem 0 1.35rem;
    border: 1px solid var(--saldo-line);
    border-radius: 8px;
    background: var(--saldo-line);
    overflow: hidden;
}

.saldo-company-brief > div {
    min-width: 0;
    padding: 1rem;
    background: var(--saldo-white);
}

.saldo-company-brief span {
    display: block;
    margin-bottom: .35rem;
    color: var(--saldo-accent-dark);
    font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", monospace;
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .05em;
    line-height: 1.2;
    text-transform: uppercase;
}

.saldo-company-brief strong {
    display: block;
    font-size: 1.05rem;
    line-height: 1.35;
}

.saldo-company-method {
    max-width: 920px;
    margin: 1.25rem 0 1.5rem;
    padding: 1rem 1.1rem;
    border: 1px solid var(--saldo-line);
    border-left: 3px solid var(--saldo-accent-dark);
    border-radius: 8px;
    background: var(--saldo-white);
}

.saldo-company-method strong {
    display: block;
    margin-bottom: .35rem;
}

.saldo-company-method p {
    max-width: none;
    margin-bottom: 0;
    color: var(--saldo-ink-muted);
}

.saldo-next-panel {
    max-width: 100%;
    padding: 1.35rem 0;
    border-top: 1px solid var(--saldo-line-strong);
    border-bottom: 1px solid var(--saldo-line-strong);
}

.saldo-next-panel h2 {
    margin-top: 0;
    padding-top: 0;
    border-top: 0;
}

.saldo-next-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.1fr) minmax(0, .95fr) minmax(0, .95fr);
    gap: 1.25rem;
    max-width: 980px;
    margin: 1.25rem 0 1.5rem;
}

.saldo-next-checks,
.saldo-next-guides {
    min-width: 0;
    padding-left: 1rem;
    border-left: 2px solid var(--saldo-line);
}

.saldo-next-checks h3,
.saldo-next-guides h3 {
    margin-top: 0;
}

.saldo-next-actions {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: .85rem 1.1rem;
    margin-top: .75rem;
}

.saldo-next-secondary {
    font-weight: 700;
}

.saldo-next-note {
    margin-top: .85rem;
    margin-bottom: 0;
    color: var(--saldo-ink-muted);
}

.saldo-lender-list {
    display: grid;
    gap: 1.15rem;
    margin-top: 1.65rem;
    border-top: 0;
}

.saldo-lender-item {
    padding: 0;
    border: 1px solid var(--saldo-line-strong);
    border-left: 4px solid var(--saldo-accent-dark);
    border-radius: 8px;
    background: var(--saldo-white);
    box-shadow: var(--saldo-shadow-soft);
    overflow: hidden;
}

.saldo-lender-item:hover,
.saldo-lender-item:focus-within {
    border-color: var(--saldo-line-strong);
    box-shadow: var(--saldo-shadow);
    transform: translateY(-2px);
}

.saldo-lender-main {
    display: grid;
    grid-template-columns: minmax(10rem, 1fr) minmax(0, 3.8fr) minmax(9.75rem, .9fr);
    gap: 1rem;
    align-items: start;
    padding: 1.1rem;
}

.saldo-lender-name h3 {
    margin: 0 0 .25rem;
    font-size: 1.15rem;
    line-height: 1.25;
}

.saldo-lender-name p {
    margin: 0;
    color: var(--saldo-ink-muted);
    font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", monospace;
    font-size: .8rem;
    line-height: 1.45;
}

.saldo-lender-name span {
    display: inline-block;
    margin-top: .7rem;
    padding: .28rem .6rem;
    border: 1px solid rgba(8, 107, 105, .22);
    border-radius: 999px;
    color: var(--saldo-accent-dark);
    background: #eef7f6;
    font-size: .76rem;
    line-height: 1.2;
}

.saldo-lender-facts {
    display: grid;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: .65rem;
    margin: 0;
}

.saldo-lender-facts div {
    min-width: 0;
    min-height: 4.8rem;
    padding: .7rem .75rem;
    border: 1px solid var(--saldo-line);
    border-radius: 8px;
    background: var(--saldo-soft);
}

.saldo-lender-facts dt {
    margin-bottom: .18rem;
    color: var(--saldo-ink-muted);
    font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", monospace;
    font-size: .68rem;
    font-weight: 700;
    letter-spacing: .05em;
    line-height: 1.2;
    text-transform: uppercase;
}

.saldo-lender-facts dd {
    margin: 0;
    color: var(--saldo-ink);
    font-size: .98rem;
    font-weight: 680;
    line-height: 1.45;
    overflow-wrap: anywhere;
}

.saldo-lender-actions {
    display: grid;
    gap: .55rem;
    justify-items: stretch;
    padding-left: .15rem;
}

.saldo-read-link {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 2.25rem;
    padding: .45rem .55rem;
    border: 1px solid var(--saldo-line);
    border-radius: 8px;
    background: var(--saldo-white);
    font-size: .95rem;
    font-weight: 700;
    text-decoration: none;
}

.saldo-lender-actions .btn {
    width: 100%;
    max-width: 10.5rem;
    min-height: 2.75rem;
    padding: .65rem .8rem;
    font-size: .88rem;
    line-height: 1.25;
}

.saldo-example {
    max-width: none;
    margin: 0;
    padding: .9rem 1.1rem 1rem;
    border-top: 1px solid var(--saldo-line);
    color: var(--saldo-ink-muted);
    background: linear-gradient(90deg, rgba(31, 146, 143, .055), rgba(255, 255, 255, 0));
    font-size: .88rem;
    line-height: 1.55;
}

.saldo-breadcrumb {
    display: flex;
    flex-wrap: wrap;
    gap: .45rem;
    margin-bottom: 1.5rem;
    padding-bottom: .8rem;
    border-bottom: 1px solid var(--saldo-line);
    color: var(--saldo-ink-muted);
    font-size: .93rem;
}

.saldo-breadcrumb a,
.saldo-breadcrumb span {
    min-width: 0;
    overflow-wrap: anywhere;
}

.topic-label {
    margin-bottom: .75rem;
    color: var(--saldo-warn);
    font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", monospace;
    font-size: .8rem;
    letter-spacing: .06em;
    text-transform: uppercase;
}

.topic-date {
    color: var(--saldo-ink-muted);
    font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", monospace;
    font-size: .95rem;
}

.saldo-answer {
    max-width: 820px;
    margin: 2rem 0 2.4rem;
    padding: 1.15rem 1.35rem;
    border-left: 4px solid var(--saldo-accent);
    border-top: 1px solid var(--saldo-line);
    border-bottom: 1px solid var(--saldo-line);
    border-radius: 8px;
    background: var(--saldo-white);
}

.saldo-answer p {
    margin: 0;
}

.saldo-topic-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: .9rem;
    margin-top: 1.35rem;
}

.saldo-topic-grid--small {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.saldo-topic-link {
    display: grid;
    align-content: start;
    gap: .45rem;
    min-height: 10rem;
    padding: 1.05rem;
    border: 1px solid var(--saldo-line);
    border-top: 2px solid var(--saldo-ink);
    border-radius: 8px;
    color: var(--saldo-ink);
    background: var(--saldo-white);
    box-shadow: var(--saldo-shadow-soft);
    text-decoration: none;
}

.saldo-topic-link span {
    font-weight: 760;
}

.saldo-topic-link small {
    color: var(--saldo-ink-muted);
}

.saldo-topic-link:hover,
.saldo-topic-link:focus,
.saldo-topic-link:focus-visible {
    border-color: var(--saldo-line-strong);
    border-top-color: var(--saldo-accent-dark);
    color: var(--saldo-ink);
    background: var(--saldo-white);
    box-shadow: var(--saldo-shadow);
    transform: translateY(-2px);
}

.saldo-article--hub .topic-header {
    max-width: 920px;
}

.saldo-hub-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: .95rem;
    max-width: 980px;
    margin-top: 1.35rem;
}

.saldo-hub-card {
    display: grid;
    gap: .5rem;
    min-height: 12rem;
    padding: 1.15rem;
    border: 1px solid var(--saldo-line);
    border-radius: 8px;
    color: var(--saldo-ink);
    background: var(--saldo-white);
    box-shadow: var(--saldo-shadow-soft);
    text-decoration: none;
}

.saldo-hub-card span {
    color: var(--saldo-accent-dark);
    font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", monospace;
    font-size: .76rem;
    font-weight: 700;
    letter-spacing: .05em;
    line-height: 1.2;
    text-transform: uppercase;
}

.saldo-hub-card strong {
    color: var(--saldo-ink);
    font-size: 1.08rem;
    line-height: 1.25;
}

.saldo-hub-card small {
    color: var(--saldo-ink-muted);
    font-size: .94rem;
    line-height: 1.55;
}

.saldo-hub-card:hover,
.saldo-hub-card:focus,
.saldo-hub-card:focus-visible {
    border-color: var(--saldo-line-strong);
    color: var(--saldo-ink);
    box-shadow: var(--saldo-shadow);
    transform: translateY(-2px);
}

.saldo-category-strip {
    display: flex;
    flex-wrap: wrap;
    gap: .65rem;
    max-width: 980px;
    margin-top: 1rem;
}

.saldo-category-strip a {
    display: inline-grid;
    gap: .1rem;
    min-width: 10.5rem;
    padding: .75rem .9rem;
    border: 1px solid var(--saldo-line);
    border-left: 4px solid var(--saldo-accent);
    border-radius: 8px;
    color: var(--saldo-ink);
    background: var(--saldo-white);
    text-decoration: none;
}

.saldo-category-strip span {
    font-weight: 760;
    line-height: 1.25;
}

.saldo-category-strip small {
    color: var(--saldo-ink-muted);
    font-size: .84rem;
}

.saldo-category-strip a:hover,
.saldo-category-strip a:focus {
    border-color: var(--saldo-line-strong);
    border-left-color: var(--saldo-ink);
    box-shadow: var(--saldo-shadow-soft);
}

.saldo-section-heading {
    display: flex;
    align-items: end;
    justify-content: space-between;
    gap: 1rem;
    max-width: 980px;
}

.saldo-section-heading h2 {
    margin-bottom: .45rem;
}

.saldo-section-heading p {
    margin-bottom: 0;
    color: var(--saldo-ink-muted);
}

.saldo-section-heading > a {
    flex: 0 0 auto;
    padding: .48rem .7rem;
    border: 1px solid var(--saldo-line);
    border-radius: 8px;
    background: var(--saldo-white);
    text-decoration: none;
}

.saldo-info-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1rem;
    max-width: 980px;
    margin: 1.25rem 0;
}

.saldo-info-grid--compact {
    margin-bottom: 0;
}

.saldo-info-card {
    min-width: 0;
    padding: 1rem;
    border: 1px solid var(--saldo-line);
    border-radius: 8px;
    background: var(--saldo-white);
    box-shadow: var(--saldo-shadow-soft);
}

.saldo-info-card h3 {
    margin-top: 0;
    padding-top: 0;
    border-top: 0;
    font-size: 1.05rem;
}

.saldo-step-list {
    display: grid;
    gap: .6rem;
    max-width: 820px;
    margin: 1rem 0 0;
    padding-left: 1.25rem;
}

.saldo-step-list li {
    padding-left: .2rem;
}

.saldo-muted-note {
    max-width: 820px;
    margin-top: 1rem;
    color: var(--saldo-ink-muted);
}

.saldo-calculator-panel {
    display: grid;
    grid-template-columns: minmax(0, 1.1fr) minmax(18rem, .9fr);
    gap: 1.1rem;
    max-width: 980px;
    margin-top: 1.5rem;
}

.saldo-calculator-form,
.saldo-calculator-result {
    min-width: 0;
    padding: 1.15rem;
    border: 1px solid var(--saldo-line-strong);
    border-radius: 8px;
    background: var(--saldo-white);
    box-shadow: var(--saldo-shadow-soft);
}

.saldo-calculator-result {
    position: sticky;
    top: 6rem;
    align-self: start;
    border-top: 4px solid var(--saldo-accent);
}

.saldo-calculator-form h2,
.saldo-calculator-result h2 {
    margin-top: 0;
    padding-top: 0;
    border-top: 0;
    font-size: 1.25rem;
}

.saldo-field-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: .85rem;
}

.saldo-field-grid--wide {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.saldo-field-grid label {
    display: grid;
    gap: .35rem;
    color: var(--saldo-ink-muted);
    font-family: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", monospace;
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .03em;
    text-transform: uppercase;
}

.saldo-field-grid input {
    width: 100%;
    min-height: 2.75rem;
    padding: .55rem .65rem;
    border: 1px solid var(--saldo-line-strong);
    border-radius: 8px;
    color: var(--saldo-ink);
    background: var(--saldo-soft);
    font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
    font-size: 1rem;
    font-weight: 650;
}

.saldo-field-grid input:focus {
    border-color: var(--saldo-accent-dark);
    outline: 3px solid var(--saldo-focus);
    outline-offset: 1px;
}

.saldo-result-status {
    display: grid;
    gap: .25rem;
    margin-bottom: .85rem;
    padding: .85rem .9rem;
    border: 1px solid var(--saldo-line-strong);
    border-left-width: 5px;
    border-radius: 8px;
    background: var(--saldo-soft);
}

.saldo-result-status strong {
    color: var(--saldo-ink);
    font-size: 1rem;
    line-height: 1.25;
}

.saldo-result-status span {
    color: var(--saldo-ink-muted);
    font-size: .92rem;
    line-height: 1.45;
}

.saldo-result-status--ok {
    border-left-color: #2f7d59;
}

.saldo-result-status--watch {
    border-left-color: #b67a20;
}

.saldo-result-status--alert {
    border-left-color: #a44343;
}

.saldo-result-status--neutral {
    border-left-color: var(--saldo-accent-dark);
}

.saldo-result-list {
    display: grid;
    gap: .7rem;
    margin: 0;
}

.saldo-result-list div {
    display: grid;
    gap: .15rem;
    padding: .72rem;
    border: 1px solid var(--saldo-line-strong);
    border-radius: 8px;
    background: var(--saldo-soft);
}

.saldo-result-list div:last-child {
    border-bottom: 1px solid var(--saldo-line);
}

.saldo-result-list dt {
    color: var(--saldo-ink-muted);
    font-size: .82rem;
}

.saldo-result-list dd {
    margin: 0;
    color: var(--saldo-ink);
    font-size: 1.25rem;
    font-weight: 760;
    line-height: 1.25;
}

.saldo-result-note {
    margin-top: 1rem;
    margin-bottom: 0;
    color: var(--saldo-ink-muted);
    font-size: .93rem;
}

.faq-list {
    max-width: 820px;
    border-top: 2px solid var(--saldo-ink);
}

.faq-item {
    padding: 1.15rem 0;
    border-bottom: 1px solid var(--saldo-line);
}

.faq-item h3 {
    margin-top: 0;
}

article div[style*="ECF0F1"] {
    max-width: 900px;
    margin: 1.5rem 0;
    border-width: 1px !important;
    border-color: var(--saldo-warn) !important;
    background: var(--saldo-white) !important;
    border-radius: 8px;
}

.fas-color {
    color: var(--saldo-accent-dark);
}

.transp {
    opacity: .5;
}

.site-footer {
    border-top: 1px solid var(--saldo-line);
    color: var(--saldo-ink-muted);
}

.site-footer > div,
.footer-ledger {
    padding: 1.25rem 0;
}

.footer-ledger {
    display: grid;
    gap: .75rem;
    border-top: 2px solid var(--saldo-ink);
    font-size: .95rem;
}

.footer-ledger p {
    max-width: none;
    margin: 0;
}

a:focus-visible,
button:focus-visible,
.btn:focus-visible {
    outline: 3px solid var(--saldo-focus);
    outline-offset: 3px;
}

@media (max-width: 991.98px) {
    .saldo-lender-main {
        grid-template-columns: 1fr;
        gap: 1rem;
    }

    .saldo-lender-facts {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }

    .saldo-lender-actions {
        grid-template-columns: max-content max-content;
        justify-content: start;
        align-items: center;
    }

    .saldo-lender-actions .btn {
        max-width: none;
        min-width: 9.5rem;
    }

    .saldo-read-link {
        min-width: 8rem;
    }
}

@media (max-width: 767.98px) {
    .saldo-page {
        width: 100%;
        max-width: 100%;
        padding-right: .75rem;
        padding-left: .75rem;
    }

    .saldo-page .row,
    .saldo-page [class*="col-"],
    article,
    .saldo-article,
    .topic-header,
    .saldo-section,
    .saldo-answer,
    h1,
    .lead,
    p {
        min-width: 0;
        max-width: 100%;
    }

    .saldo-page .row {
        margin-right: 0;
        margin-left: 0;
    }

    .saldo-page [class*="col-"] {
        padding-right: 0;
        padding-left: 0;
    }

    .saldo-breadcrumb,
    .topic-header,
    .saldo-answer,
    .saldo-section,
    .saldo-info-card,
    .saldo-calculator-panel,
    .saldo-calculator-form,
    .saldo-calculator-result {
        width: calc(100vw - 2rem);
        max-width: calc(100vw - 2rem);
    }

    .ledger-nav {
        align-items: flex-start;
        flex-direction: column;
    }

    .site-nav {
        justify-content: flex-start;
    }

    .site-main {
        padding-top: 1.35rem;
    }

    .saldo-breadcrumb {
        display: block;
        line-height: 1.9;
    }

    .saldo-breadcrumb a,
    .saldo-breadcrumb span {
        margin-right: .35rem;
    }

    h1 {
        font-size: clamp(1.9rem, 10vw, 2.9rem);
        overflow-wrap: anywhere;
    }

    p,
    li,
    small,
    label,
    dt,
    dd {
        overflow-wrap: anywhere;
    }

    h2 {
        margin-top: 2.35rem;
    }

    .saldo-ledger-strip {
        grid-template-columns: 1fr;
    }

    .saldo-ledger-strip > div {
        min-height: auto;
        border-right: 0;
        border-bottom: 1px solid var(--saldo-line);
    }

    .saldo-ledger-strip > div:last-child {
        border-bottom: 0;
    }

    .saldo-section--answer,
    .saldo-section--commercial {
        padding-left: .9rem;
    }

    .saldo-trust-row {
        grid-template-columns: 1fr;
    }

    .saldo-company-brief {
        grid-template-columns: 1fr;
    }

    .saldo-next-panel {
        padding: 1rem 0;
    }

    .saldo-next-grid {
        grid-template-columns: 1fr;
    }

    .saldo-next-actions .btn {
        width: 100%;
        text-align: center;
    }

    .loans {
        text-align: left !important;
    }

    .loans::before {
        left: 0;
    }

    .loans > div {
        padding-left: 1.25rem;
    }

    .saldo-topic-grid {
        grid-template-columns: 1fr;
    }

    .saldo-topic-link {
        min-height: 7rem;
    }

    .saldo-hub-grid {
        grid-template-columns: 1fr;
    }

    .saldo-hub-card {
        min-height: auto;
    }

    .saldo-section-heading {
        display: grid;
        align-items: start;
    }

    .saldo-section-heading > a {
        width: fit-content;
    }

    .saldo-calculator-panel,
    .saldo-field-grid,
    .saldo-field-grid--wide {
        grid-template-columns: 1fr;
    }

    .saldo-calculator-result {
        position: static;
        order: -1;
    }

    .saldo-info-grid {
        grid-template-columns: 1fr;
    }

    .saldo-lender-list {
        gap: .9rem;
    }

    .saldo-lender-item {
        background: var(--saldo-white);
    }

    .saldo-lender-main {
        grid-template-columns: 1fr;
        gap: .85rem;
        padding: 1rem;
    }

    .saldo-lender-facts {
        grid-template-columns: 1fr;
        gap: .55rem;
    }

    .saldo-lender-facts div {
        min-height: auto;
    }

    .saldo-lender-actions {
        grid-template-columns: 1fr 1fr;
        align-items: center;
    }

    .saldo-lender-actions .btn {
        max-width: none;
        min-width: 0;
    }

    .saldo-example {
        padding: .85rem 1rem 1rem;
    }

    .saldo-compare-table,
    .saldo-facts-table {
        min-width: 720px;
    }

    .saldo-facts-table {
        min-width: 0;
        width: 100%;
        font-size: .9rem;
    }

    .saldo-facts-table tbody,
    .saldo-facts-table tr,
    .saldo-facts-table th,
    .saldo-facts-table td {
        display: block;
        width: 100%;
    }

    .saldo-facts-table tr {
        display: grid;
        grid-template-columns: minmax(6.5rem, .82fr) minmax(0, 1.18fr);
    }

    .saldo-facts-table th,
    .saldo-facts-table td {
        min-width: 0;
        padding: .72rem .65rem;
        overflow-wrap: anywhere;
        white-space: normal;
    }

    .saldo-facts-table td {
        text-align: left;
    }
}