:root{
    --ink:#1B1B1B; --ink-soft:#4A4A4A; --paper:#F6F0DF; --paper-card:#FFFCF3;
    --orange:#D05F27; --orange-dark:#B54F1F; --gold:#C7B041; --blue:#0093C8;
    --grey:#8A8A8D; --grey-line:#DEDEDC;
  }
  *{box-sizing:border-box;}
  body{ margin:0; background:var(--paper); color:var(--ink); font-family:'Work Sans', sans-serif; line-height:1.55; -webkit-font-smoothing:antialiased; }
  h1,h2,h3{ font-family:'Bricolage Grotesque', sans-serif; font-weight:700; letter-spacing:-0.01em; margin:0; }
  .hand{ font-family:'Kalam', cursive; }
  .mono{ font-family:'IBM Plex Mono', monospace; }
  a{color:inherit;} button{font-family:inherit;} select{font-family:inherit;}
  .wrap{ max-width:var(--site-content-max, 1400px); margin:0 auto; padding:0 32px; }
  @media (max-width:640px){ .wrap{padding:0 20px;} }
  .mockup-banner{ background:var(--ink); color:#fff; text-align:center; padding:10px 16px; font-family:'IBM Plex Mono', monospace; font-size:12px; }

  nav{ background:var(--blue); border-bottom:1.5px solid var(--ink); position:sticky; top:0; z-index:50; }
  .nav-inner{ max-width:var(--site-content-max, 1400px); margin:0 auto; padding:16px 32px; display:flex; align-items:center; justify-content:space-between; }
  .logo{ font-family:'Bricolage Grotesque', sans-serif; font-size:17px; font-weight:700; display:flex; align-items:center; gap:9px; color:#fff; }
  .logo-tag{ font-family:'Kalam',cursive; font-size:13px; color:#FFDE8A; margin-left:10px; display:inline-block; }
  @media (max-width:950px){ .logo-tag{display:none;} }
  .nav-links{ display:flex; gap:24px; font-size:13.5px; font-weight:500; }
  .nav-links a{ text-decoration:none; color:#fff; }
  .nav-links a.active{ text-decoration:underline; text-underline-offset:4px; }
  .nav-cta{ background:var(--orange); color:#fff; padding:10px 18px; border-radius:3px; font-size:13.5px; font-weight:700; text-decoration:none; font-family:'Bricolage Grotesque',sans-serif; border:1.5px solid var(--ink); box-shadow:2px 2px 0 var(--ink); }
  @media (max-width:820px){ .nav-links{display:none;} }

  .breadcrumb{ padding:20px 0 0; font-family:'IBM Plex Mono',monospace; font-size:11.5px; color:var(--grey); display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:10px; }
  .breadcrumb a{ color:var(--orange-dark); text-decoration:none; }
  .state-switch{ display:flex; align-items:center; gap:8px; font-size:11.5px; }
  .state-switch select{ border:1px solid var(--grey-line); border-radius:4px; padding:5px 8px; font-size:11.5px; background:#fff; color:var(--ink); }

  /* ---------- HEADER ---------- */
  .page-header{ padding:24px 0 30px; }
  .state-tag{ display:inline-flex; align-items:center; gap:8px; background:rgba(199,176,65,0.32); padding:4px 12px; font-family:'Kalam',cursive; font-size:13.5px; color:var(--ink); margin-bottom:14px; }
  .page-header h1{ font-size:33px; color:var(--ink); line-height:1.2; max-width:660px; }
  @media (max-width:640px){ .page-header h1{font-size:24px;} }
  .page-header p{ margin-top:14px; font-size:15.5px; color:var(--ink-soft); max-width:580px; line-height:1.65; }
  .header-note{ margin-top:14px; font-family:'Kalam',cursive; font-size:14px; color:var(--grey); }

  section{ padding:44px 0; }
  @media (max-width:640px){ section{padding:30px 0;} }
  .section-head{ max-width:640px; margin-bottom:22px; }
  .kicker{ font-family:'Kalam',cursive; font-size:15px; color:var(--orange-dark); display:inline-block; margin-bottom:6px; }
  .section-head h2{ font-size:24px; color:var(--ink); }
  .section-head p{ margin-top:8px; color:var(--ink-soft); font-size:14px; }

  /* ---------- STATE FACTS BAND ---------- */
  .facts-band{ background:var(--ink); padding:24px 0; }
  .facts-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:20px; text-align:center; }
  @media (max-width:640px){ .facts-grid{grid-template-columns:1fr 1fr;} }
  .facts-item .val{ font-family:'IBM Plex Mono',monospace; font-weight:700; font-size:18px; color:var(--gold); }
  .facts-item .lab{ font-size:10.5px; color:#9BA1A7; margin-top:4px; text-transform:uppercase; letter-spacing:0.03em; }
  .facts-item .lab .caveat{ display:block; font-family:'Kalam',cursive; text-transform:none; color:#7A8288; font-size:10px; margin-top:2px; }

  /* ---------- LICENSED LENDERS TABLE ---------- */
  .full-table-wrap{ overflow-x:auto; border:0; background:transparent; }
  table.full-table{ width:100%; border-collapse:collapse; min-width:760px; }
  .full-table thead th{ text-align:left; font-family:'IBM Plex Mono',monospace; font-size:10.5px; text-transform:uppercase; letter-spacing:0.04em; color:var(--grey); padding:14px; background:var(--paper-card); border-bottom:1.5px solid var(--ink); white-space:nowrap; }
  .full-table tbody tr{ border-bottom:1px dashed var(--grey-line); }
  .full-table tbody tr.featured{ background:rgba(199,176,65,0.14); }
  .full-table td{ padding:14px; font-size:13.5px; vertical-align:middle; white-space:nowrap; }
  .table-lender-cell{ display:flex; flex-direction:column; align-items:flex-start; gap:8px; min-width:132px; }
  .table-mark{ width:34px; height:34px; border-radius:8px; background:var(--blue); display:flex; align-items:center; justify-content:center; color:#fff; font-family:'Bricolage Grotesque',sans-serif; font-weight:700; font-size:12px; flex-shrink:0; }
  .table-mark.codex-lender-logo{ width:124px; height:56px; border-radius:6px; background:#fff; object-fit:contain; padding:6px; }
  .table-lender-name{ font-family:'Bricolage Grotesque',sans-serif; font-weight:700; font-size:13.5px; color:var(--ink); text-decoration:none; }
  .table-val{ font-family:'IBM Plex Mono',monospace; font-weight:600; color:var(--ink); }
  .table-cta{ background:var(--ink); color:#fff; font-family:'Bricolage Grotesque',sans-serif; font-weight:700; font-size:11.5px; padding:8px 14px; text-decoration:none; white-space:nowrap; }
  .full-table tr.featured .table-cta{ background:var(--orange); }
  .table-note{ font-size:11.5px; color:var(--grey); margin-top:12px; }

  /* ---------- GOV CONTACT CARDS ---------- */
  .gov-grid{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
  @media (max-width:700px){ .gov-grid{grid-template-columns:1fr;} }
  .gov-card{ background:#fff; border:1.5px solid var(--ink); padding:22px; }
  .gov-card .icon{ font-size:22px; margin-bottom:10px; }
  .gov-card h3{ font-size:15.5px; margin-bottom:8px; }
  .gov-card p{ font-size:13px; color:var(--ink-soft); margin:0 0 12px; line-height:1.55; }
  .gov-card .detail{ font-family:'IBM Plex Mono',monospace; font-size:12px; color:var(--ink); display:flex; align-items:center; gap:8px; margin-bottom:6px; }
  .gov-card .detail a{ color:var(--orange-dark); text-decoration:none; }
  .verify-badge{ display:inline-block; background:rgba(181,71,58,0.14); color:#8A382E; font-family:'IBM Plex Mono',monospace; font-size:9.5px; padding:2px 8px; border-radius:10px; margin-top:10px; }

  .margin-note{ background:var(--paper-card); border-left:3px solid var(--orange); padding:20px 24px; margin:8px 0; }
  .margin-note-label{ font-family:'IBM Plex Mono',monospace; font-size:10.5px; text-transform:uppercase; letter-spacing:0.06em; color:var(--orange-dark); margin-bottom:8px; }
  .margin-note p{ font-family:'Kalam',cursive; font-size:16px; color:var(--ink); line-height:1.55; margin:0; }
  .margin-note .sign{ font-family:'IBM Plex Mono',monospace; font-size:11px; color:var(--grey); margin-top:10px; }

  .faq-list{ display:flex; flex-direction:column; gap:1px; background:var(--grey-line); border:1px solid var(--grey-line); overflow:hidden; }
  .faq-item{ background:#fff; padding:16px 20px; }
  .faq-q{ display:flex; justify-content:space-between; align-items:center; font-weight:600; font-size:14px; color:var(--ink); cursor:pointer; }
  .faq-q .plus{ font-family:'IBM Plex Mono',monospace; color:var(--orange); font-size:16px; }
  .faq-a{ font-size:13px; color:var(--ink-soft); line-height:1.6; margin-top:10px; max-width:620px; }

  .inline-cta{ border:1.5px solid var(--ink); background:var(--paper-card); padding:22px 24px; display:flex; align-items:center; justify-content:space-between; gap:20px; flex-wrap:wrap; }
  .inline-cta h3{ font-size:16px; margin-bottom:4px; }
  .inline-cta p{ font-size:13px; color:var(--ink-soft); margin:0; }
  .btn-stamp{ background:var(--orange); color:#fff; padding:12px 20px; font-weight:700; font-size:13px; text-decoration:none; white-space:nowrap; font-family:'Bricolage Grotesque',sans-serif; border:2px solid var(--ink); box-shadow:3px 3px 0 var(--ink); }
  .btn-stamp-blue{ background:var(--blue); }

  /* ---------- BROWSE BY STATE ---------- */
  .state-grid{ display:grid; grid-template-columns:repeat(10,1fr); gap:6px; }
  @media (max-width:900px){ .state-grid{grid-template-columns:repeat(6,1fr);} }
  @media (max-width:560px){ .state-grid{grid-template-columns:repeat(4,1fr);} }
  .state-chip{ display:block; text-align:center; background:#fff; border:1px solid var(--grey-line); padding:8px 4px; font-family:'IBM Plex Mono',monospace; font-size:11px; color:var(--ink-soft); text-decoration:none; }
  .state-chip.current{ background:var(--orange); color:#fff; border-color:var(--ink); font-weight:700; }
  .state-chip:hover{ border-color:var(--orange); color:var(--orange-dark); }

  .divider{ height:3px; background:var(--blue); position:relative; opacity:0.55; }
  .divider::after{ content:'✻'; position:absolute; left:50%; top:-13px; transform:translateX(-50%); font-size:20px; color:var(--blue); background:var(--paper); padding:0 8px; }

  footer{ border-top:1.5px solid var(--ink); padding:40px 0 32px; background:var(--paper); }
  .footer-top{ display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:16px; margin-bottom:20px; padding-bottom:18px; border-bottom:1px dashed var(--grey-line); }
  .footer-tag{ font-size:13px; color:var(--grey); font-family:'Kalam',cursive; }
  .legal{ margin-top:20px; font-size:11px; color:var(--grey); line-height:1.6; max-width:900px; }