/* America Auto - one light theme, navy ink, one accent (flag red, used for CTAs and key marks only).
   System borrowed from a consumer-fintech reference: heavy display sans on a cool soft canvas,
   rounded cards, pill buttons. Radius rule: cards 20px, images 16px, inputs 12px, buttons pill.
   Mobile first. */

:root {
  --bg: #ffffff;
  --canvas: #f1f4f8;
  --canvas-2: #e6ecf4;
  --ink: #0f1b2d;
  --body: #364152;
  --mute: #5a6475;
  --line: #d6dde7;
  --line-2: #bfc8d4;
  --red: #b3261e;
  --red-hover: #8f1e18;
  --red-pale: #fbeceb;
  --err: #b3261e;
  --r-card: 20px;
  --r-img: 16px;
  --r-inp: 12px;
  --display: "Libre Franklin", "Franklin Gothic Medium", "Arial Narrow", Arial, sans-serif;
  --text: "Source Sans 3", "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --shell: 1200px;
  --gut: 16px;
  --shadow: 0 1px 2px rgba(15, 27, 45, .06), 0 12px 32px -12px rgba(15, 27, 45, .18);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0; background: var(--bg); color: var(--body);
  font: 400 17px/1.6 var(--text); overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--red); text-underline-offset: 3px; }
a:hover { color: var(--red-hover); }
h1, h2, h3 { margin: 0; color: var(--ink); font-family: var(--display); }
p { margin: 0 0 1em; }
:focus-visible { outline: 3px solid var(--red); outline-offset: 2px; border-radius: 4px; }
.sr, .hp { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--ink); color: #fff; padding: 8px 14px; border-radius: 999px; z-index: 50; }
.skip:focus { left: 8px; color: #fff; }
.shell { width: 100%; max-width: var(--shell); margin: 0 auto; padding: 0 var(--gut); }
@media (min-width: 768px) { :root { --gut: 32px; } }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font: 700 16px/1 var(--display); letter-spacing: .01em; text-decoration: none; white-space: nowrap;
  padding: 16px 28px; border-radius: 999px; border: 2px solid transparent; cursor: pointer;
  transition: background-color .15s, transform .1s;
}
.btn:active { transform: translateY(1px); }
.btn-red { background: var(--red); color: #fff; }
.btn-red:hover { background: var(--red-hover); color: #fff; }
.btn-red[disabled] { opacity: .65; cursor: progress; }
.btn-sm { padding: 11px 18px; font-size: 14px; }
.btn-wide { width: 100%; margin-top: 18px; }
.link-arrow { font-family: var(--display); font-weight: 700; text-decoration: none; }
.link-arrow:hover { text-decoration: underline; }

/* Header */
.topbar { position: sticky; top: 0; z-index: 20; background: #fff; border-bottom: 1px solid var(--line); }
.topbar-in { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); }
.logo-mark { width: 30px; height: 30px; color: var(--ink); }
.logo-word { font: 800 20px/1 var(--display); letter-spacing: -.02em; color: var(--ink); }
.logo-word b { color: var(--red); font-weight: 800; }
.mainnav { display: none; }
.mainnav a:not(.btn) { color: var(--ink); text-decoration: none; font-weight: 600; font-size: 16px; }
.mainnav a:not(.btn):hover, .mainnav a[aria-current] { color: var(--red); }
.navbtn { width: 44px; height: 44px; border: 1px solid var(--line); background: #fff; border-radius: 999px; display: grid; place-content: center; gap: 5px; cursor: pointer; }
.navbtn i { display: block; width: 18px; height: 2px; background: var(--ink); }
body.nav-open .mainnav {
  display: flex; flex-direction: column; gap: 4px; position: absolute; top: 68px; left: 0; right: 0;
  background: #fff; border-bottom: 1px solid var(--line); padding: 12px var(--gut) 20px;
}
body.nav-open .mainnav a:not(.btn) { padding: 10px 0; }
body.nav-open .mainnav .btn { margin-top: 8px; }
@media (min-width: 900px) {
  .mainnav { display: flex; align-items: center; gap: 28px; }
  .navbtn { display: none; }
}

/* Section titles */
.sec-title { font-weight: 800; font-size: clamp(28px, 4vw, 40px); line-height: 1.1; letter-spacing: -.025em; margin-bottom: 16px; }

/* Hero */
.hero { padding: 28px 0 48px; background: linear-gradient(180deg, var(--canvas) 0%, var(--bg) 100%); }
.hero-grid { display: grid; gap: 28px; }
.hero h1 { font-weight: 900; font-size: clamp(36px, 4.6vw, 54px); line-height: 1.04; letter-spacing: -.035em; margin-bottom: 16px; }
.hero h1 .accent { color: var(--red); }
.lede { font-size: 19px; max-width: 46ch; color: var(--body); }
.hero-photo { margin: 22px 0 0; border-radius: var(--r-img); overflow: hidden; aspect-ratio: 2 / 1; background: var(--canvas-2); }
.hero-photo img { width: 100%; height: 100%; object-fit: cover; }
@media (max-width: 699px) { .hero-photo { display: none; } }
@media (min-width: 980px) {
  .hero { padding: 48px 0 72px; }
  .hero-grid { grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); gap: 48px; align-items: start; }
}

/* Quote card */
.quote-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-card); box-shadow: var(--shadow); padding: 22px 18px 18px; position: relative; scroll-margin-top: 84px; }
@media (min-width: 600px) { .quote-card { padding: 28px 28px 22px; } }
.qc-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.qc-title { font: 800 15px/1 var(--display); color: var(--ink); margin: 0; }
.qc-step { font-size: 15px; color: var(--mute); margin: 0; }
.qc-track { height: 4px; background: var(--canvas-2); border-radius: 999px; margin: 14px 0 20px; overflow: hidden; }
.qc-track span { display: block; height: 100%; width: 16%; background: var(--red); border-radius: 999px; transition: width .3s; }
.qstep { border: 0; margin: 0; padding: 0; min-width: 0; }
.qstep legend { padding: 0; margin-bottom: 14px; width: 100%; }
.qstep h2 { font-size: 23px; font-weight: 800; line-height: 1.2; letter-spacing: -.015em; }
.qstep h2:focus, .qstep legend:focus, .qstep legend:focus-visible { outline: none; }
.js .qstep { display: none; }
.js .qstep.is-active { display: block; }
.no-js .qstep { margin-bottom: 28px; }
.qhint { font-size: 15px; color: var(--mute); margin: -4px 0 14px; }
.pick { display: grid; gap: 10px; }
@media (min-width: 420px) { .pick-2 { grid-template-columns: 1fr 1fr; } }
.pick label { position: relative; display: block; cursor: pointer; }
.pick input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.pick span {
  display: flex; flex-direction: column; justify-content: center; min-height: 54px; padding: 12px 16px;
  border: 1.5px solid var(--line-2); border-radius: var(--r-inp); background: #fff; color: var(--ink);
  font-weight: 600; font-size: 17px; line-height: 1.25; transition: border-color .12s, background-color .12s;
}
.pick span small { display: block; font-weight: 400; font-size: 14px; color: var(--mute); margin-top: 2px; }
.pick label:hover span { border-color: var(--ink); }
.pick input:checked + span { border-color: var(--red); background: var(--red-pale); }
.pick input:focus-visible + span { outline: 3px solid var(--red); outline-offset: 2px; }
.fld { display: block; font-weight: 600; color: var(--ink); font-size: 15px; margin: 12px 0 6px; }
.fld .opt { font-weight: 400; color: var(--mute); }
.inp {
  width: 100%; font: 400 17px/1.3 var(--text); color: var(--ink); background: #fff;
  border: 1.5px solid var(--line-2); border-radius: var(--r-inp); padding: 13px 14px;
}
.inp:focus { border-color: var(--ink); outline: 3px solid rgba(15, 27, 45, .14); outline-offset: 0; }
.inp[aria-invalid="true"] { border-color: var(--err); }
.two { display: grid; gap: 0 12px; }
@media (min-width: 420px) { .two { grid-template-columns: 1fr 1fr; } }
.field-err { display: block; color: var(--err); font-size: 14px; font-weight: 600; min-height: 0; margin-top: 4px; }
.field-err:empty { display: none; }
.qc-back { background: none; border: 0; color: var(--mute); font: 600 15px/1 var(--text); padding: 12px 0 0; cursor: pointer; }
.qc-back:hover { color: var(--ink); }
.no-js .qc-back { display: none; }

/* Consent */
.consent-set { margin-top: 18px; padding-top: 16px; border-top: 1px solid var(--line); }
.consent-row { display: grid; grid-template-columns: 22px 1fr; gap: 10px; align-items: start; margin-bottom: 12px; }
.consent-row input { width: 20px; height: 20px; margin: 2px 0 0; accent-color: var(--red); cursor: pointer; }
.consent-row label { font-size: 13.5px; line-height: 1.5; color: var(--body); cursor: pointer; }
.consent-fine { font-size: 12.5px; line-height: 1.5; color: var(--mute); margin: 6px 0 0; }

/* Facts strip */
.facts { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.facts ul { list-style: none; margin: 0; padding: 0; display: grid; }
.facts li { display: flex; align-items: baseline; gap: 14px; padding: 18px 0; }
.facts li + li { border-top: 1px solid var(--line); }
.facts strong { font: 900 26px/1 var(--display); color: var(--ink); letter-spacing: -.02em; min-width: 104px; }
.facts span { color: var(--body); }
@media (min-width: 860px) {
  .facts ul { grid-template-columns: repeat(3, 1fr); }
  .facts li { padding: 26px 24px 26px 0; flex-direction: column; gap: 8px; }
  .facts strong { min-width: 0; }
  .facts li + li { border-top: 0; border-left: 1px solid var(--line); padding-left: 24px; }
}

/* How it works: horizontal line with ordinals */
.how { padding: 64px 0; scroll-margin-top: 68px; }
.how-line { list-style: none; counter-reset: s; margin: 24px 0 0; padding: 0; display: grid; gap: 28px; }
.how-line li { counter-increment: s; position: relative; padding-left: 56px; }
.how-line li::before {
  content: counter(s); position: absolute; left: 0; top: 0; width: 40px; height: 40px; border-radius: 999px;
  background: var(--ink); color: #fff; font: 800 18px/40px var(--display); text-align: center;
}
.how-line h3 { font-size: 21px; font-weight: 800; margin: 6px 0 8px; }
.how-line p { margin: 0; max-width: 44ch; }
@media (min-width: 900px) {
  .how-line { grid-template-columns: repeat(3, 1fr); gap: 40px; }
  .how-line li { padding: 60px 0 0; border-top: 2px solid var(--line); }
  .how-line li::before { top: -21px; }
}

/* Choose: tinted panel with checklist */
.choose { padding: 0 0 64px; }
.choose-grid { background: var(--canvas); border-radius: var(--r-card); padding: 32px 20px; display: grid; gap: 24px; }
.choose-lead p { max-width: 48ch; margin: 0; font-size: 18px; }
.checks { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.checks li { background: #fff; border-radius: var(--r-inp); padding: 18px 20px; border-left: 4px solid var(--red); }
.checks h3 { font-size: 18px; font-weight: 800; margin-bottom: 4px; }
.checks p { margin: 0; font-size: 16px; }
@media (min-width: 900px) {
  .choose-grid { grid-template-columns: .9fr 1.1fr; padding: 48px; gap: 48px; align-items: center; }
  .checks { grid-template-columns: 1fr 1fr; }
}

/* Guide cards + bento */
.library { padding: 0 0 64px; }
.gcard { display: flex; flex-direction: column; text-decoration: none; color: var(--body); background: #fff; border: 1px solid var(--line); border-radius: var(--r-card); overflow: hidden; transition: border-color .15s, box-shadow .15s; }
.gcard:hover { border-color: var(--line-2); box-shadow: var(--shadow); color: var(--body); }
.gcard-img { display: block; aspect-ratio: 3 / 2; overflow: hidden; background: var(--canvas-2); }
.gcard-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s; }
.gcard:hover .gcard-img img { transform: scale(1.03); }
@media (prefers-reduced-motion: reduce) { .gcard-img img { transition: none; } .gcard:hover .gcard-img img { transform: none; } }
.gcard-body { display: flex; flex-direction: column; gap: 8px; padding: 18px 20px 20px; flex: 1; }
.gcard-title { font: 800 19px/1.25 var(--display); color: var(--ink); letter-spacing: -.01em; }
.gcard-dek { font-size: 15.5px; line-height: 1.5; }
.gcard-meta { font-size: 14px; color: var(--mute); margin-top: auto; }
.bento { display: grid; gap: 16px; margin-top: 8px; }
@media (min-width: 700px) { .bento { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1000px) {
  .bento { grid-template-columns: 1.4fr 1fr 1fr; grid-template-rows: auto auto; }
  .gcard-lg { grid-row: span 2; }
  .gcard-lg .gcard-img { aspect-ratio: 4 / 3.4; }
  .gcard-lg .gcard-title { font-size: 26px; }
  .bento .gcard:nth-child(4) { grid-column: span 2; flex-direction: row; }
  .bento .gcard:nth-child(4) .gcard-img { width: 44%; aspect-ratio: auto; }
}
.more-link { margin: 22px 0 0; }

/* FAQ */
.faq { padding: 64px 0; background: var(--canvas); }
.faq-grid { display: grid; gap: 28px; }
.faq-note p { max-width: 44ch; }
.faq-list details { background: #fff; border-radius: var(--r-inp); padding: 0 20px; margin-bottom: 10px; border: 1px solid var(--line); }
.faq-list summary { cursor: pointer; font: 700 17px/1.35 var(--display); color: var(--ink); padding: 18px 28px 18px 0; list-style: none; position: relative; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; position: absolute; right: 0; top: 14px; font-size: 24px; color: var(--red); font-weight: 400; }
.faq-list details[open] summary::after { content: "\2212"; }
.faq-list details p { margin: 0 0 18px; }
@media (min-width: 900px) { .faq-grid { grid-template-columns: .8fr 1.2fr; gap: 56px; } }

/* Closer */
.closer { padding: 56px 0 72px; }
.closer-in { border: 2px solid var(--ink); border-radius: var(--r-card); padding: 32px 24px; display: grid; gap: 18px; justify-items: start; }
.closer-in p { font: 800 clamp(22px, 3vw, 30px)/1.2 var(--display); color: var(--ink); letter-spacing: -.02em; margin: 0; max-width: 30ch; }
@media (min-width: 800px) { .closer-in { grid-template-columns: 1fr auto; align-items: center; padding: 40px 48px; } }

/* Footer */
.foot { background: var(--canvas); border-top: 1px solid var(--line); padding: 48px 0 32px; font-size: 15px; }
.foot-grid { display: grid; gap: 28px; }
.foot-brand p { margin-top: 14px; max-width: 60ch; color: var(--body); }
.foot-col { display: flex; flex-direction: column; gap: 8px; }
.foot-col h2 { font-size: 14px; font-weight: 800; color: var(--ink); margin-bottom: 4px; }
.foot-col a { color: var(--body); text-decoration: none; }
.foot-col a:hover { color: var(--red); text-decoration: underline; }
.foot-sms, .foot-legal { font-size: 14px; color: var(--mute); margin: 0; }
.foot-sms { margin-top: 32px; padding-top: 20px; border-top: 1px solid var(--line); }
.foot-legal { margin-top: 10px; }
@media (min-width: 860px) { .foot-grid { grid-template-columns: 2fr 1fr 1fr; gap: 48px; } }

/* Inner page hero */
.phero { padding: 32px 0 0; }
.phero-in { display: grid; gap: 24px; }
.phero h1 { font-weight: 900; font-size: clamp(34px, 5vw, 54px); line-height: 1.05; letter-spacing: -.035em; margin-bottom: 12px; }
.phero p { font-size: 19px; max-width: 52ch; margin: 0; }
.phero-img { border-radius: var(--r-img); overflow: hidden; aspect-ratio: 21 / 9; background: var(--canvas-2); }
.phero-img img { width: 100%; height: 100%; object-fit: cover; }
@media (min-width: 900px) { .phero { padding-top: 48px; } }

/* Generic blocks */
.block { padding: 48px 0; }
.block + .block { padding-top: 0; }
.cols { display: grid; gap: 16px; }
@media (min-width: 900px) { .cols { grid-template-columns: 1fr 2fr; gap: 48px; } }
.copy p { max-width: 64ch; }
.rules { display: grid; gap: 14px; list-style: none; margin: 0; padding: 0; }
.rules li { background: var(--canvas); border-radius: var(--r-card); padding: 22px 24px; }
.rules h3 { font-size: 19px; font-weight: 800; margin-bottom: 6px; }
.rules p { margin: 0; }
@media (min-width: 760px) { .rules { grid-template-columns: 1fr 1fr; } }
.panel { border: 1px solid var(--line); border-radius: var(--r-card); padding: 24px; }
.panel h2 { font-size: 20px; font-weight: 800; margin-bottom: 8px; }
.panel p:last-child { margin-bottom: 0; }
.contact-grid { display: grid; gap: 16px; }
@media (min-width: 760px) { .contact-grid { grid-template-columns: 1fr 1fr; } }
.contact-line { font: 700 19px/1.4 var(--display); color: var(--ink); word-break: break-word; }
.muted { color: var(--mute); }

/* Guides index */
.res-grid { display: grid; gap: 16px; }
@media (min-width: 680px) { .res-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1000px) { .res-grid { grid-template-columns: repeat(3, 1fr); } }

/* Guide page */
.g-head { padding: 32px 0 0; }
.g-head-in > * { max-width: 860px; }
.crumbs { font-size: 15px; margin-bottom: 14px; }
.crumbs a { font-weight: 600; text-decoration: none; }
.g-head h1 { font-weight: 900; font-size: clamp(32px, 4.6vw, 50px); line-height: 1.08; letter-spacing: -.03em; margin-bottom: 14px; }
.g-dek { font-size: 20px; color: var(--body); max-width: 60ch; }
.g-meta { font-size: 15px; color: var(--mute); }
.g-hero { margin: 24px auto 0; }
.g-hero img { width: 100%; aspect-ratio: 16 / 8; object-fit: cover; border-radius: var(--r-img); background: var(--canvas-2); }
.g-grid { display: grid; gap: 32px; padding-top: 40px; padding-bottom: 56px; }
@media (min-width: 1000px) { .g-grid { grid-template-columns: minmax(0, 1fr) 320px; gap: 64px; } }
.prose { max-width: 70ch; font-size: 18px; line-height: 1.7; }
.prose h2 { font-size: 26px; font-weight: 800; letter-spacing: -.02em; line-height: 1.2; margin: 36px 0 12px; }
.prose h3 { font-size: 20px; font-weight: 800; margin: 26px 0 8px; }
.prose ul, .prose ol { padding-left: 22px; margin: 0 0 1.1em; }
.prose li { margin-bottom: 8px; }
.prose strong { color: var(--ink); }
.prose .callout { background: var(--canvas); border-left: 4px solid var(--red); border-radius: 0 var(--r-inp) var(--r-inp) 0; padding: 16px 20px; margin: 24px 0; }
.prose .callout p:last-child { margin: 0; }
.g-note { font-size: 15px; color: var(--mute); border-top: 1px solid var(--line); padding-top: 18px; margin-top: 36px; }
.g-side { align-self: start; }
@media (min-width: 1000px) { .g-side { position: sticky; top: 92px; } }
.side-card { background: var(--canvas); border-radius: var(--r-card); padding: 24px; }
.side-title { font: 800 20px/1.25 var(--display); color: var(--ink); }
.more { padding: 0 0 64px; }
.more-grid { display: grid; gap: 16px; }
@media (min-width: 760px) { .more-grid { grid-template-columns: repeat(3, 1fr); } }

/* Legal pages */
.legal { padding: 40px 0 72px; }
.legal-inner { max-width: 780px; margin: 0 auto; padding: 0 var(--gut); }
.legal h1 { font-weight: 900; font-size: clamp(32px, 4.4vw, 46px); letter-spacing: -.03em; line-height: 1.08; margin-bottom: 10px; }
.legal h2 { font-size: 21px; font-weight: 800; margin: 32px 0 10px; }
.legal-updated { color: var(--mute); font-size: 15px; }
.legal ul { padding-left: 22px; }
.smap { display: grid; gap: 28px; margin-top: 12px; }
.smap h2 { margin-top: 0; }
.smap ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
@media (min-width: 760px) { .smap { grid-template-columns: repeat(3, 1fr); } }

/* Thank you */
.ty { padding: 56px 0 80px; }
.ty-in { max-width: 680px; }
.ty-mark { width: 52px; height: 52px; color: var(--red); margin-bottom: 20px; }
.ty h1 { font-weight: 900; font-size: clamp(32px, 4.6vw, 48px); line-height: 1.08; letter-spacing: -.03em; margin-bottom: 14px; }
.ty ol { padding-left: 22px; margin: 18px 0 28px; }
.ty li { margin-bottom: 10px; }

/* Scroll reveal (only when JS + IntersectionObserver are available) */
.io [data-reveal] { opacity: 0; transform: translateY(14px); transition: opacity .5s ease, transform .5s ease; }
.io [data-reveal].in { opacity: 1; transform: none; }