/* London Down Payment — forest / cream / mint, friendly rounded */
:root {
  --forest: #1f4d3a;
  --forest-2: #2d6a50;
  --mint: #cfe8d9;
  --mint-2: #e8f4ed;
  --cream: #f6f2e7;
  --ink: #1d2a24;
  --muted: #5a6b62;
  --line: #e0d9c6;
  --berry: #a3355a;
  --display: "DM Serif Display", Georgia, serif;
  --sans: "Nunito Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
body { margin: 0; font-family: var(--sans); background: var(--cream); color: var(--ink); font-size: 1.07rem; line-height: 1.72; }
img { max-width: 100%; height: auto; }
a { color: var(--forest-2); font-weight: 600; }
a:hover { color: var(--berry); }
h1, h2 { font-family: var(--display); font-weight: 400; line-height: 1.15; color: var(--forest); }
h1 { font-size: clamp(2.2rem, 6vw, 3.4rem); margin: .3rem 0 1rem; }
h2 { font-size: clamp(1.6rem, 3.6vw, 2.1rem); margin: 2.4rem 0 .7rem; }
h3 { font-size: 1.15rem; font-weight: 800; margin: 1.6rem 0 .4rem; }
p, ul, ol { margin: 0 0 1rem; }
.wide { width: min(1100px, 100% - 32px); margin-inline: auto; }
.read { width: min(720px, 100% - 32px); margin-inline: auto; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 10px; top: 10px; background: #fff; padding: 8px; z-index: 9; }

/* header */
.hdr { background: var(--cream); border-bottom: 1px solid var(--line); }
.hdr-in { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 8px 24px; padding: 14px 0; }
.hdr-logo img { height: 38px; width: auto; display: block; }
.hdr-nav { overflow-x: auto; max-width: 100%; }
.hdr-nav ul { list-style: none; display: flex; gap: 6px; margin: 0; padding: 0; white-space: nowrap; }
.hdr-nav a { display: inline-block; padding: 6px 12px; border-radius: 999px; text-decoration: none; color: var(--ink); font-size: .9rem; }
.hdr-nav a:hover { background: var(--mint-2); }
.hdr-nav a[aria-current] { background: var(--forest); color: #fff; }

.crumbs { font-size: .85rem; color: var(--muted); padding-top: 18px; }
.crumbs a { color: var(--muted); font-weight: 400; }
.crumbs .sep { margin: 0 5px; }

/* hero (home) */
.hero { background: var(--forest); color: #e9f3ed; border-radius: 28px; padding: 40px 28px; margin: 22px auto 10px; }
.hero h1 { color: #fff; }
.hero p { font-size: 1.18rem; max-width: 640px; }
.hero .chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 18px; }
.hero .chips a { background: rgba(255,255,255,.12); color: #fff; padding: 8px 14px; border-radius: 999px; text-decoration: none; font-size: .95rem; }
.hero .chips a:hover { background: var(--mint); color: var(--forest); }
@media (min-width: 800px) { .hero { padding: 56px 56px; } }

/* program cards */
.programs { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); margin: 22px 0; }
.prog { background: #fff; border-radius: 20px; padding: 22px; border: 1px solid var(--line); display: flex; flex-direction: column; }
.prog .amt { font-family: var(--display); font-size: 2rem; color: var(--forest); line-height: 1; margin-bottom: .4rem; }
.prog h3 { margin: 0 0 .3rem; }
.prog p { color: var(--muted); font-size: .98rem; flex: 1; }
.prog a { text-decoration: none; }

/* article */
.lede { font-size: 1.2rem; color: #33443b; }
.facts { background: #fff; border-radius: 20px; padding: 22px 24px; margin: 22px 0; border: 2px solid var(--mint); }
.facts h2 { font-size: 1.3rem; margin: 0 0 .5rem; }
.facts dl { display: grid; grid-template-columns: max-content 1fr; gap: 6px 18px; margin: 0; }
.facts dt { font-weight: 800; }
.facts dd { margin: 0; }
@media (max-width: 520px) { .facts dl { grid-template-columns: 1fr; } .facts dd { margin-bottom: 8px; } }
.tip { background: var(--mint-2); border-radius: 16px; padding: 16px 20px; margin: 22px 0; }
.tip p:last-child { margin: 0; }
.warn { background: #fbe9ef; border-radius: 16px; padding: 16px 20px; margin: 22px 0; }
.warn p:last-child { margin: 0; }
.updated { color: var(--muted); font-size: .9rem; }
.steps { padding-left: 1.3rem; }
.steps li { margin-bottom: .7rem; padding-left: 4px; }
.steps li::marker { font-weight: 800; color: var(--forest); }
table { width: 100%; border-collapse: collapse; background: #fff; border-radius: 12px; overflow: hidden; font-size: .95rem; margin: 18px 0; }
th, td { padding: 11px 14px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--forest); color: #fff; }
.tscroll { overflow-x: auto; }

details.faq { background: #fff; border-radius: 16px; margin: 10px 0; padding: 2px 20px; border: 1px solid var(--line); }
details.faq summary { cursor: pointer; font-weight: 800; padding: 14px 0; }
details.faq > div { padding-bottom: 10px; }

/* agent */
.agent { background: #fff; border-radius: 24px; border: 2px solid var(--forest); padding: 28px; margin: 44px 0 16px; display: grid; gap: 18px; }
@media (min-width: 760px) { .agent { grid-template-columns: 1fr auto; align-items: center; } }
.agent .tag { display: inline-block; background: var(--mint); color: var(--forest); font-weight: 800; font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; padding: 3px 10px; border-radius: 999px; }
.agent h2 { margin: .5rem 0 .5rem; font-size: 1.6rem; }
.btn { display: inline-block; background: var(--forest); color: #fff; padding: 13px 22px; border-radius: 999px; text-decoration: none; font-weight: 800; }
.btn:hover { background: var(--berry); color: #fff; }

/* footer */
.ftr { background: var(--forest); color: #d5e6dc; margin-top: 56px; padding: 40px 0 22px; font-size: .95rem; }
.ftr a { color: #fff; font-weight: 600; text-decoration: none; }
.ftr a:hover { text-decoration: underline; color: #fff; }
.ftr ul { list-style: none; padding: 0; }
.ftr-in { display: grid; gap: 24px; }
@media (min-width: 760px) { .ftr-in { grid-template-columns: 2fr 1fr; } }
.ftr-card { background: rgba(255,255,255,.08); border-radius: 18px; padding: 18px 20px; }
.ftr-h { color: #fff; font-weight: 800; margin-bottom: .4rem; }
.ftr-legal { border-top: 1px solid rgba(255,255,255,.15); margin-top: 26px; padding-top: 16px; font-size: .85rem; }

.sponsor-line{display:block;font-size:.72rem;line-height:1.4;opacity:.85}