@font-face{font-family:"Epilogue";src:url(/assets/font-6py64355-epilogue-800.woff2) format("woff2");font-weight:800;font-style:normal;font-display:swap}
@font-face{font-family:"Onest";src:url(/assets/font-6py64355-onest-400.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Onest";src:url(/assets/font-6py64355-onest-600.woff2) format("woff2");font-weight:600;font-style:normal;font-display:swap}

:root{
--sand:#F4EAD3;--sand-deep:#E8D9B6;--sand-lite:#FBF5E6;
--ink:#26281C;--ink-soft:#40432F;
--bark:#7FBF9C;--bark-deep:#1E5642;--bark-mid:#2F7A5C;
--bloom:#F7C61B;--petal:#FBE27A;--azure:#8FD0F2;--azure-lite:#CFEAF8;--rust:#E58A1F;
--ease:cubic-bezier(.34,1.56,.64,1);
--lobe-a:4.6rem 1.4rem 5.2rem 2rem;--lobe-b:1.6rem 5.2rem 2rem 4.4rem;--lobe-c:3rem 3.4rem 1.2rem 5.6rem;
--coast:54% 46% 58% 42% / 5.5rem 3.5rem 6.5rem 4rem;
--font-head:"Epilogue","Arial Black",system-ui,sans-serif;--font-body:"Onest",system-ui,-apple-system,"Segoe UI",sans-serif;
--measure:66ch;--maxw:1120px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:5rem}
body{margin:0;background:var(--sand);color:var(--ink);font-family:var(--font-body);font-size:17px;line-height:1.6;font-weight:400;overflow-x:clip}
main{overflow-x:clip}
img{max-width:100%;height:auto;display:block}
a{color:var(--bark-deep);text-decoration-thickness:2px;text-underline-offset:.2em}
a:hover{color:var(--ink);text-decoration-thickness:3px}
:focus-visible{outline:3px solid var(--ink);outline-offset:3px;border-radius:6px}
h1,h2,h3{font-family:var(--font-head);font-weight:800;line-height:.98;letter-spacing:-.045em;margin:0 0 .55em;color:var(--ink)}
h1{font-size:clamp(2.35rem,5.6vw,4.5rem);letter-spacing:-.055em;line-height:.95}
h2{font-size:clamp(1.9rem,4vw,3.15rem)}
h3{font-size:1.3rem;line-height:1.05;letter-spacing:-.03em}
p{margin:0 0 1em;max-width:var(--measure)}
strong{font-weight:600}

.s45fe-wrap{width:min(100% - 2rem,var(--maxw));margin-inline:auto}
.s45fe-skip{position:absolute;left:-999px;top:0;background:var(--ink);color:var(--sand);padding:.7rem 1.2rem;border-radius:0 0 1rem 0}.s45fe-skip:focus{left:0;top:0;z-index:99}.s45fe-skip:hover,.s45fe-skip:focus{color:var(--sand)}

/* header: a sand shoreline that sits over whatever lobe is under it */
.s45fe-head{position:sticky;top:0;z-index:20;background:var(--sand);border-radius:0 0 2.4rem 1.2rem / 0 0 1.2rem .8rem}
.s45fe-nav{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:68px}
.s45fe-brand{display:inline-flex;align-items:center;gap:.65rem;font-family:var(--font-head);font-weight:800;font-size:1.2rem;letter-spacing:-.04em;line-height:1;color:var(--ink);text-decoration:none;min-height:44px}
.s45fe-brand img{width:38px;height:38px;padding:5px;border-radius:50% 44% 52% 46%;background:var(--bark)}
.s45fe-brand:hover{color:var(--bark-deep)}
.s45fe-links{display:flex;gap:.35rem;align-items:center}
.s45fe-links a{color:var(--ink);text-decoration:none;font-weight:600;font-size:1rem;padding:.65rem 1rem;border-radius:999px;min-height:44px;display:inline-flex;align-items:center;transition:background .4s var(--ease)}
.s45fe-links a:hover{background:var(--azure-lite);color:var(--ink)}
.s45fe-links .s45fe-cta{background:var(--bloom);color:var(--ink)!important;margin-left:.4rem}
.s45fe-links .s45fe-cta:hover{background:var(--petal)}
.s45fe-menu{display:none;align-items:center;justify-content:center;background:var(--bloom);border:0;border-radius:999px;min-width:48px;min-height:48px;padding:.4rem .7rem;color:var(--ink);cursor:pointer;transition:border-radius .4s var(--ease)}
.s45fe-menu:hover,.s45fe-menu[aria-expanded=true]{border-radius:14px 26px 14px 26px}
@media (max-width:760px){
.s45fe-menu{display:inline-flex}
.s45fe-links{display:none;position:absolute;left:.6rem;right:.6rem;top:72px;background:var(--bark);border-radius:var(--lobe-a);flex-direction:column;align-items:stretch;padding:1.4rem 1.2rem 1.6rem;gap:.5rem}
.s45fe-links[data-open]{display:flex}
.s45fe-links a{background:var(--sand);min-height:48px;font-size:1.05rem}
.s45fe-links .s45fe-cta{margin-left:0;background:var(--bloom)}
}

/* capsule controls: a round chip rides the trailing edge and crosses to the leading edge when the control is live */
.s45fe-btn{position:relative;display:inline-flex;align-items:center;gap:.5rem;border:0;border-radius:999px;min-height:50px;padding:.8rem 3.3rem .8rem 1.5rem;font:inherit;font-weight:600;font-size:1.04rem;line-height:1.2;cursor:pointer;text-decoration:none;color:var(--ink);background-color:var(--bloom);background-repeat:no-repeat;background-size:1.7rem 1.7rem;background-position:right .6rem center;background-image:radial-gradient(circle closest-side,var(--ink) 0 96%,transparent 100%);transition:padding .4s var(--ease),background-color .4s var(--ease),background-position .4s var(--ease),color .4s}
.s45fe-btn:hover,.s45fe-btn:focus-visible{padding:.8rem 1.5rem .8rem 3.3rem;background-position:left .6rem center}
.s45fe-btn--primary{background-color:var(--bloom);color:var(--ink)}
.s45fe-btn--primary:hover{background-color:var(--petal);color:var(--ink)}
.s45fe-btn--ghost{background-color:transparent;color:var(--ink);box-shadow:inset 0 0 0 2.5px var(--ink);background-image:radial-gradient(circle closest-side,transparent 0 62%,var(--ink) 66% 96%,transparent 100%)}
.s45fe-btn--ghost:hover{background-color:var(--sand);color:var(--ink);background-image:radial-gradient(circle closest-side,var(--ink) 0 96%,transparent 100%)}
.s45fe-btn[disabled]{background-color:var(--petal);color:var(--ink-soft);cursor:progress;padding:.8rem 1.5rem .8rem 3.3rem;background-position:left .6rem center}

/* weather: the azure water strip along the top */
.s45fe-wx{background:var(--azure);color:var(--ink);border-radius:0 0 46% 12% / 0 0 2.2rem 1.4rem;margin-top:-1.2rem;padding-top:1.2rem;position:relative;z-index:1}
.s45fe-wx-row{display:flex;flex-wrap:wrap;align-items:center;gap:.8rem 1.5rem;padding:1rem 0 1.2rem}
.s45fe-wx-photo{display:inline-flex;align-items:center;gap:.6rem;background:none;border:0;padding:0;color:inherit;font:inherit;cursor:pointer;min-height:48px}
.s45fe-wx-photo img{width:52px;height:52px;border-radius:50% 42% 54% 46%;object-fit:cover}
.s45fe-wx-photo span{font-size:.9rem;font-weight:600;background:var(--bloom);color:var(--ink);border-radius:999px;padding:.5rem 1.1rem;transition:background .4s var(--ease),border-radius .4s var(--ease)}
.s45fe-wx-photo:hover span,.s45fe-wx-photo[aria-expanded=true] span{background:var(--ink);color:var(--sand);border-radius:12px 22px 12px 22px}
.s45fe-wx-now{display:flex;align-items:center;gap:.7rem}
.s45fe-wx-now strong{font-family:var(--font-head);font-weight:800;font-size:2.2rem;line-height:1;letter-spacing:-.05em}
.s45fe-wx-now span{font-size:1rem}.s45fe-wx-now small{display:block;font-size:.85rem;color:var(--ink-soft)}
.s45fe-wx-icon{display:inline-flex;color:var(--ink)}
.s45fe-wx-days{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;margin:0;padding:0}
.s45fe-wx-days li{display:grid;grid-template-columns:auto auto;grid-template-rows:auto auto;column-gap:.5rem;align-items:center;background:var(--azure-lite);border-radius:1.4rem .7rem 1.6rem .8rem;padding:.45rem .8rem;font-size:.85rem;min-width:124px}
.s45fe-wx-days li:nth-child(2){border-radius:.8rem 1.6rem .7rem 1.4rem}
.s45fe-wx-day{font-weight:600;grid-column:1}.s45fe-wx-glyph{grid-row:1/3;grid-column:2;color:var(--bark-deep)}.s45fe-wx-glyph svg{width:24px;height:24px}
.s45fe-wx-hl{grid-column:1}.s45fe-wx-hl strong{font-size:1rem}.s45fe-wx-hl em{font-style:normal;color:var(--ink-soft);margin-left:.3rem}
.s45fe-wx-cond{grid-column:1/3;font-size:.8rem;color:var(--ink-soft);max-width:150px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.s45fe-wx-source{margin-left:auto;font-size:.85rem;color:var(--ink-soft)}
.s45fe-wx-panel{padding:0 0 1.4rem}.s45fe-wx-panel img{border-radius:var(--lobe-b);max-width:600px;width:100%;background:var(--sand)}.s45fe-wx-panel p{font-size:.88rem;color:var(--ink-soft);margin:.6rem 0 0}
@media (max-width:700px){.s45fe-wx{border-radius:0 0 36% 14% / 0 0 1.6rem 1rem}.s45fe-wx-source{margin-left:0;width:100%}.s45fe-wx-now strong{font-size:1.9rem}}

/* eyebrows are plain captions with a petal dot, set under the headings */
.s45fe-eyebrow{display:flex;align-items:center;gap:.6rem;font-size:.98rem;font-weight:600;color:var(--ink-soft);margin:.3rem 0 1rem;max-width:none}
.s45fe-eyebrow::before{content:"";flex:none;width:.85rem;height:.85rem;border-radius:50%;background:var(--bloom);box-shadow:0 0 0 2.5px var(--ink)}
.s45fe-section--deep .s45fe-eyebrow,.s45fe-why-sec .s45fe-eyebrow{color:var(--sand)!important}
.s45fe-section>.s45fe-wrap:has(>h1),.s45fe-section>.s45fe-wrap.s45fe-article:has(>h1),.s45fe-article:has(>h1){display:flex;flex-direction:column;align-items:flex-start}
.s45fe-section>.s45fe-wrap:has(>h1)>*,.s45fe-article:has(>h1)>*{order:5;max-width:100%}
.s45fe-section>.s45fe-wrap:has(>h1)>h1,.s45fe-article:has(>h1)>h1{order:1}
.s45fe-section>.s45fe-wrap:has(>h1)>.s45fe-eyebrow,.s45fe-article:has(>h1)>.s45fe-eyebrow{order:2}
.s45fe-section>.s45fe-wrap:has(>h1)>.s45fe-lead,.s45fe-article:has(>h1)>.s45fe-lead{order:3}
.s45fe-section>.s45fe-wrap:has(>h1)>form,.s45fe-article:has(>h1)>form{width:100%}
.s45fe-lead{font-size:1.2rem;line-height:1.5;color:var(--ink)}

/* hero: one jade headland swells until its coast leaves the frame on two sides */
.s45fe-hero{position:relative;isolation:isolate;padding:3.6rem 0 8.5rem;background:var(--sand);overflow:hidden}
.s45fe-hero::before{content:"";position:absolute;z-index:-2;left:-16vw;top:-6rem;bottom:2rem;width:84%;background:var(--bark);border-radius:0 44% 60% 0 / 0 30% 55% 0}
.s45fe-hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:2.4rem;align-items:start}
.s45fe-hero-copy{display:flex;flex-direction:column;align-items:flex-start;padding-top:.6rem}
.s45fe-hero-copy>*{max-width:100%}
.s45fe-hero h1{max-width:12.5ch;margin-bottom:.35em}
.s45fe-hero .s45fe-eyebrow{color:var(--ink)}
.s45fe-hero .s45fe-lead{max-width:34rem}
.s45fe-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin:.8rem 0 0}
.s45fe-trust{display:flex;flex-wrap:wrap;gap:.5rem 1.4rem;margin:1.5rem 0 0;padding:0;list-style:none;font-size:1rem;font-weight:600}
.s45fe-trust li{display:flex;align-items:center;gap:.55rem}
.s45fe-trust li::before{content:"";flex:none;width:.8rem;height:.8rem;border-radius:50%;background:var(--ink)}
.s45fe-bloom{position:absolute;z-index:-1;right:-70px;bottom:-60px;width:min(48vw,540px);height:auto;pointer-events:none}
@media (max-width:900px){
.s45fe-hero{padding:2.2rem 0 6.5rem}
.s45fe-hero::before{left:-24vw;right:-24vw;width:auto;top:-6rem;bottom:34%;border-radius:0 0 50% 50% / 0 0 7rem 9rem}
.s45fe-hero-grid{grid-template-columns:1fr;gap:2rem}
.s45fe-hero h1{max-width:none}
.s45fe-bloom{width:min(80vw,380px);right:-60px;bottom:-40px}
}

/* mosaic: photographs keep their own colour, cropped to lobes */
.s45fe-mosaic{display:grid;grid-template-columns:1fr 1fr;gap:.9rem}
.s45fe-mosaic a{position:relative;display:block;overflow:hidden;background:var(--sand-deep);aspect-ratio:1/1;border-radius:var(--lobe-b);transition:border-radius .4s var(--ease)}
.s45fe-mosaic a:first-child{grid-column:1/-1;aspect-ratio:16/11;border-radius:var(--lobe-a)}
.s45fe-mosaic a:nth-child(3){border-radius:var(--lobe-c)}
.s45fe-mosaic a:hover{border-radius:2.4rem 2.4rem 2.4rem 2.4rem}
.s45fe-mosaic img{width:100%;height:100%;object-fit:cover}
.s45fe-mosaic span{position:absolute;left:.8rem;bottom:.8rem;max-width:calc(100% - 1.6rem);background:var(--bloom);color:var(--ink);font-weight:600;font-size:.95rem;line-height:1.2;padding:.45rem 1rem;border-radius:999px}
.s45fe-mosaic a:nth-child(2) span{background:var(--azure)}
.s45fe-mosaic a:nth-child(3) span{background:var(--petal)}

/* sections */
.s45fe-section{position:relative;padding:4.2rem 0}
.s45fe-section--soft{background:var(--bloom);border-radius:var(--coast);padding:4.4rem 0 5rem;margin-bottom:1rem}
.s45fe-section--deep{background:var(--bark-deep);color:var(--sand);border-radius:var(--coast)}.s45fe-section--deep h2,.s45fe-section--deep h3,.s45fe-section--deep a{color:var(--sand)}
.s45fe-cols{display:grid;gap:1.4rem;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}

/* how it works: three lobes of flat colour */
.s45fe-how{padding:3.4rem 0 5rem}
.s45fe-how-head{max-width:40rem;margin-bottom:2rem}
.s45fe-how-head h2{max-width:14ch}
.s45fe-bee{position:absolute;right:max(1rem,calc(50% - 560px + 2rem));top:1.4rem;width:96px;height:auto;pointer-events:none}
.s45fe-steps{grid-template-columns:repeat(3,1fr);align-items:start;gap:1.2rem}
@media (max-width:900px){.s45fe-steps{grid-template-columns:1fr}.s45fe-bee{width:72px;top:.4rem}}
.s45fe-card{background:var(--azure-lite);border-radius:var(--lobe-a);padding:1.8rem 1.6rem 1.8rem;color:var(--ink);transition:border-radius .4s var(--ease),transform .4s var(--ease)}
.s45fe-card p{margin-bottom:0}
.s45fe-steps .s45fe-card:nth-child(1){background:var(--bark);border-radius:var(--lobe-a)}
.s45fe-steps .s45fe-card:nth-child(2){background:var(--bloom);border-radius:var(--lobe-b);margin-top:2.2rem}
.s45fe-steps .s45fe-card:nth-child(3){background:var(--azure);border-radius:var(--lobe-c);margin-top:.8rem}
@media (max-width:900px){.s45fe-steps .s45fe-card:nth-child(n){margin-top:0}}
.s45fe-num{display:inline-grid;place-items:center;width:2.8rem;height:2.8rem;border-radius:50%;background:var(--ink);color:var(--sand);font-family:var(--font-head);font-weight:800;font-size:1.2rem;margin-bottom:1rem}

/* quote: the cream ground opens in the middle of the yellow lobe like water */
.s45fe-pond-sec{background:var(--bloom);border-radius:var(--coast);padding:5.2rem 0 5.6rem}
.s45fe-quote{background:var(--sand);border-radius:var(--lobe-a);padding:2.2rem 2rem 2rem;color:var(--ink)}
.s45fe-quote h2{font-size:clamp(1.6rem,3vw,2.2rem)}
.s45fe-fields{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem 1.2rem}
@media (max-width:560px){.s45fe-fields{grid-template-columns:1fr}.s45fe-quote{padding:1.6rem 1.1rem 1.5rem;border-radius:3rem 1rem 3.4rem 1.4rem}}
.s45fe-field{display:flex;flex-direction:column;gap:.4rem}
.s45fe-field span{font-size:.98rem;font-weight:600}
.s45fe-field input,.s45fe-field select,.s45fe-field textarea{font:inherit;min-height:50px;padding:.7rem 1.1rem;border:2.5px solid var(--ink);border-radius:999px;background:var(--sand-lite);color:var(--ink);width:100%;transition:border-radius .4s var(--ease),background .3s}
.s45fe-field textarea{border-radius:1.6rem 2.4rem 1.6rem 2.4rem;min-height:9rem}
.s45fe-field input:focus,.s45fe-field select:focus,.s45fe-field textarea:focus{outline:3px solid var(--ink);outline-offset:3px;background:#fff}
.s45fe-field--wide{grid-column:1/-1}
.s45fe-seg{display:flex;flex-wrap:wrap;gap:.55rem}
.s45fe-seg label{position:relative;display:inline-flex;align-items:center;min-height:48px;padding:.5rem 2.6rem .5rem 1.1rem;border-radius:999px;background:var(--azure-lite);color:var(--ink);cursor:pointer;font-size:1rem;font-weight:600;transition:padding .4s var(--ease),background .4s var(--ease)}
.s45fe-seg label::after{content:"";position:absolute;top:50%;left:calc(100% - 1.9rem);width:1.3rem;height:1.3rem;margin-top:-.65rem;border-radius:50%;background:var(--sand);box-shadow:inset 0 0 0 2.5px var(--ink);transition:left .4s var(--ease),background .3s}
.s45fe-seg label:hover{background:var(--azure)}
.s45fe-seg input{position:absolute;opacity:0;width:0;height:0}
.s45fe-seg label:has(input:checked){background:var(--bloom);padding:.5rem 1.1rem .5rem 2.6rem}
.s45fe-seg label:has(input:checked)::after{left:.65rem;background:var(--ink)}
.s45fe-seg label:has(input:focus-visible){outline:3px solid var(--ink);outline-offset:3px}
.s45fe-seg input:checked+span{background:none;margin:0;padding:0}
.s45fe-seg input:focus-visible+span{outline:none}
.s45fe-note{font-size:.95rem;color:var(--ink-soft);margin-top:1rem}
.s45fe-status{margin-top:.9rem;font-weight:600;min-height:1.4em}
.s45fe-status[data-tone=error]{color:#8E1B1B}
.s45fe-results{margin-top:1.8rem}
.s45fe-summary{display:flex;flex-wrap:wrap;gap:.5rem 1.2rem;align-items:baseline;margin-bottom:1.1rem;font-size:1rem;color:var(--ink)}
.s45fe-result{display:grid;grid-template-columns:1fr auto;gap:.7rem 1.4rem;align-items:center;background:var(--sand);color:var(--ink);border-radius:var(--lobe-b);padding:1.2rem 1.5rem 1.3rem;margin-bottom:.9rem}
.s45fe-result:nth-of-type(even){border-radius:var(--lobe-c)}
.s45fe-result--best{background:var(--bark);border-radius:var(--lobe-a)}
.s45fe-result strong{font-family:var(--font-head);font-weight:800;font-size:1.15rem;letter-spacing:-.03em}
.s45fe-result small{display:block;color:var(--ink-soft);font-size:.9rem}
.s45fe-result--best small{color:var(--ink)}
.s45fe-price{font-family:var(--font-head);font-weight:800;font-size:2rem;letter-spacing:-.05em;text-align:right;line-height:1}
.s45fe-price small{display:block;font-family:var(--font-body);font-size:.85rem;font-weight:600;letter-spacing:0;text-align:right;margin-top:.3rem}
.s45fe-tags{display:flex;flex-wrap:wrap;gap:.4rem;margin-top:.4rem}
.s45fe-tag{font-size:.85rem;font-weight:600;padding:.2rem .75rem;border-radius:999px;background:var(--azure);color:var(--ink)}
.s45fe-tag--now{background:var(--ink);color:var(--petal);font-weight:600}
.s45fe-group{font-family:var(--font-head);font-weight:800;font-size:1.35rem;letter-spacing:-.035em;margin:1.8rem 0 .6rem;color:var(--ink)}
.s45fe-applicant{margin:.2rem 0 1rem}
.s45fe-result .s45fe-btn{grid-column:1/-1;justify-self:start}
@media (min-width:640px){.s45fe-result{grid-template-columns:1fr auto auto}.s45fe-result .s45fe-btn{grid-column:auto}}
.s45fe-disclosure{font-size:.9rem;color:var(--ink);border-top:2.5px solid var(--ink);padding-top:1rem;margin-top:1.4rem}
details.s45fe-more{margin-top:.6rem;font-size:.95rem}details.s45fe-more summary{cursor:pointer;color:var(--ink);font-weight:600;min-height:44px;display:flex;align-items:center;text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:.2em}
.s45fe-quote-block{max-width:880px}

/* rates: jade headland with the table on a sand pond */
.s45fe-rates-sec{background:var(--bark);border-radius:var(--coast);padding:5rem 0 5.4rem;margin-top:-1rem}
.s45fe-rates-grid{display:grid;grid-template-columns:.85fr 1.3fr;gap:2.4rem;align-items:start}
@media (max-width:900px){.s45fe-rates-grid{grid-template-columns:1fr;gap:1.4rem}}
.s45fe-rates-head h2{max-width:11ch}
.s45fe-rates-note{max-width:34rem}.s45fe-rates-note p{margin-bottom:0}
.s45fe-rates-table{background:var(--sand);border-radius:var(--lobe-c);padding:1.2rem 1.4rem 1.4rem}
.s45fe-table{width:100%;border-collapse:collapse;font-size:1rem}
.s45fe-table th,.s45fe-table td{padding:.7rem .7rem;border-bottom:2px solid var(--sand-deep);text-align:left;font-variant-numeric:tabular-nums}
.s45fe-table tr:last-child td{border-bottom:0}
.s45fe-table th{font-size:.92rem;font-weight:600;color:var(--ink-soft);border-bottom:2.5px solid var(--ink)}
.s45fe-table td:first-child{font-weight:600}
.s45fe-table-wrap{overflow-x:auto}

/* why: the deep green lobe, cream letters */
.s45fe-why-sec{background:var(--bark-deep);color:var(--sand);border-radius:var(--coast);padding:5.2rem 0 5.6rem;margin-top:-1rem}
.s45fe-why{display:grid;grid-template-columns:.9fr 1.2fr;gap:2.6rem;align-items:start}
@media (max-width:900px){.s45fe-why{grid-template-columns:1fr;gap:1rem}}
.s45fe-why h2,.s45fe-why-sec h2{color:var(--sand);max-width:10ch}
.s45fe-why-text p{color:var(--sand)}
.s45fe-why-sec a{color:var(--petal)}.s45fe-why-sec a:hover{color:#fff}
.s45fe-why-links{margin-top:1.2rem}
.s45fe-why-links p{padding:1.1rem 1.4rem;border-radius:var(--lobe-b);background:var(--ink);color:var(--sand)}

/* learn */
.s45fe-learn-sec{padding:5rem 0 0}
.s45fe-learn-head h2{max-width:14ch}
.s45fe-learn{grid-template-columns:repeat(4,1fr);align-items:stretch;gap:1.1rem;margin-bottom:3.2rem}
@media (max-width:1000px){.s45fe-learn{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.s45fe-learn{grid-template-columns:1fr}}
a.s45fe-card{display:block;text-decoration:none;color:var(--ink)}
a.s45fe-card:hover{border-radius:var(--lobe-b);transform:translateY(-4px);color:var(--ink)}
a.s45fe-card h3{text-decoration:underline;text-decoration-thickness:2.5px;text-underline-offset:.18em}
.s45fe-learn .s45fe-card:nth-child(1){background:var(--azure)}
.s45fe-learn .s45fe-card:nth-child(2){background:var(--petal);border-radius:var(--lobe-b)}
.s45fe-learn .s45fe-card:nth-child(3){background:var(--bark);border-radius:var(--lobe-c)}
.s45fe-learn .s45fe-card:nth-child(4){background:var(--sand-deep);border-radius:var(--lobe-a)}
.s45fe-learn .s45fe-card:nth-child(1):hover{border-radius:var(--lobe-c)}
.s45fe-learn .s45fe-card:nth-child(2):hover{border-radius:var(--lobe-a)}
.s45fe-learn .s45fe-card:nth-child(3):hover{border-radius:var(--lobe-b)}
.s45fe-learn .s45fe-card:nth-child(4):hover{border-radius:var(--lobe-c)}
.s45fe-petals{display:block;width:100%;height:110px;margin-top:-1.4rem}

/* inner pages */
.s45fe-article{max-width:var(--measure);margin-inline:auto}
.s45fe-article figure{margin:0 0 1.8rem}
.s45fe-article figcaption{font-size:.9rem;color:var(--ink-soft);margin-top:.6rem}
.s45fe-article img{border-radius:var(--lobe-a)}
.s45fe-article h2{margin-top:1.6em}
.s45fe-article .s45fe-card.s45fe-calc,.s45fe-calc{background:var(--petal);border-radius:var(--lobe-a);padding:1.8rem 1.6rem}
.s45fe-calc output{font-family:var(--font-head);font-weight:800;font-size:2.4rem;letter-spacing:-.05em;display:block;margin-top:.8rem}
.s45fe-sources{font-size:.95rem;border-top:2.5px solid var(--ink);padding-top:1.1rem;margin-top:2.4rem}.s45fe-sources ol{padding-left:1.3rem}
.s45fe-faq details{background:var(--azure-lite);border-radius:1.8rem 3rem 1.8rem 3rem;padding:.4rem 1.4rem;margin-bottom:.8rem}
.s45fe-faq details:nth-of-type(even){background:var(--petal);border-radius:3rem 1.8rem 3rem 1.8rem}
.s45fe-faq details[open]{padding-bottom:.6rem}
.s45fe-faq summary{cursor:pointer;font-weight:800;font-family:var(--font-head);letter-spacing:-.03em;font-size:1.15rem;line-height:1.35;min-height:56px;display:flex;align-items:center;justify-content:space-between;gap:1rem;list-style:none}
.s45fe-faq summary::-webkit-details-marker{display:none}
.s45fe-faq summary::after{content:"";flex:none;width:1.5rem;height:1.5rem;border-radius:50%;box-shadow:inset 0 0 0 2.5px var(--ink);transition:background .3s,transform .4s var(--ease)}
.s45fe-faq details[open] summary::after{background:var(--ink);transform:rotate(180deg) scale(1.1)}
.s45fe-apply-shell{background:var(--sand-lite);border-radius:var(--lobe-a);padding:1.2rem;min-height:600px;color:var(--ink)}
.s45fe-apply-shell iframe{width:100%;border:0}

/* footer */
.s45fe-foot{background:var(--bark-deep);color:var(--sand);border-radius:50% 50% 0 0 / 4.4rem 3rem 0 0;padding:4.4rem 0 2.6rem;font-size:1rem;margin-top:-3rem;position:relative}
.s45fe-foot-grid{display:grid;gap:1.8rem;grid-template-columns:2fr 1fr 1fr}@media (max-width:700px){.s45fe-foot-grid{grid-template-columns:1fr}}
.s45fe-foot a{color:var(--petal);text-decoration-thickness:2px}.s45fe-foot a:hover{color:#fff}
.s45fe-foot .s45fe-brand{color:var(--sand)}.s45fe-foot .s45fe-brand:hover{color:#fff}
.s45fe-foot .s45fe-brand img{background:var(--sand)}
.s45fe-foot nav strong{display:block;font-family:var(--font-head);font-weight:800;letter-spacing:-.03em;font-size:1.2rem;margin-bottom:.5rem;color:var(--sand)}
.s45fe-foot nav a{display:flex;align-items:center;min-height:44px;margin-bottom:.1rem}
.s45fe-foot p{color:var(--sand)}

/* every piece stays visible */
[data-reveal]{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}

/* scroll redraws the coastline */
@keyframes coast-draw{from{border-radius:30% 70% 40% 60% / 2.5rem 6.5rem 3rem 5rem}}
@supports (animation-timeline:view()){
@media (prefers-reduced-motion:no-preference){
.s45fe-pond-sec,.s45fe-rates-sec,.s45fe-why-sec,.s45fe-section--soft{animation:coast-draw linear both;animation-timeline:view();animation-range:entry 0% entry 90%}
}}
@media (max-width:700px){
:root{--coast:44% 56% 52% 48% / 3.4rem 2.4rem 4rem 2.8rem;--lobe-a:3.2rem 1.1rem 3.6rem 1.4rem;--lobe-b:1.2rem 3.6rem 1.4rem 3.2rem;--lobe-c:2.2rem 2.4rem .9rem 3.8rem}
.s45fe-section{padding:3.2rem 0}
.s45fe-pond-sec,.s45fe-rates-sec,.s45fe-why-sec{padding:3.6rem 0 4rem}
.s45fe-foot{border-radius:50% 50% 0 0 / 2.6rem 2rem 0 0}
.s45fe-result{grid-template-columns:1fr}.s45fe-price{text-align:left}.s45fe-price small{text-align:left}
}

/* no-exam highlight */
.s45fe-noexam{background:var(--bark);border-radius:var(--lobe-a);padding:1.3rem 1.4rem .6rem;margin:0 0 1.6rem;color:var(--ink)}
.s45fe-group--noexam{display:flex;flex-wrap:wrap;align-items:center;gap:.7rem;margin-top:0;font-size:1.45rem}
.s45fe-noexam-badge{display:inline-block;background:var(--ink);color:var(--petal);font-family:var(--font-body);font-weight:600;font-size:.9rem;letter-spacing:0;padding:.35rem .9rem;border-radius:999px}
.s45fe-noexam-note{margin-bottom:1rem;color:var(--ink)}
.s45fe-result--noexam{background:var(--sand);border-radius:var(--lobe-b)}
.s45fe-tag--noexam{background:var(--ink);color:var(--petal)}
.s45fe-tag--usually{background:var(--petal);color:var(--ink)}
.s45fe-noexam-note+.s45fe-noexam-note{margin-top:1.1rem;padding-top:1rem;border-top:2.5px solid var(--ink)}
.s45fe-in{opacity:1}

.s45fe-section--soft>.s45fe-wrap,.s45fe-pond-sec>.s45fe-wrap,.s45fe-rates-sec>.s45fe-wrap,.s45fe-why-sec>.s45fe-wrap{width:min(100% - 3rem,var(--maxw))}
.s45fe-wx>.s45fe-wrap{width:min(100% - 3rem,var(--maxw))}
.s45fe-section>.s45fe-wrap{width:min(100% - 3rem,var(--maxw))}