/* Desktop lending review. No shared header, footer, or mobile restyling. */
@media(min-width:1024px){
 body.ld-active .ld-hidden{display:none!important}
 body.ld-active [hidden]{display:none!important}
 body.ld-active main section{min-height:0}
 body.ld-active main>.phero{padding:48px 0 42px}
 body.ld-active .phero h1{font-size:clamp(40px,4.1vw,59px);max-width:22ch;line-height:1.07;margin:14px 0 22px}
 body.ld-active .phero .lede{font-size:18px;max-width:56ch}
 body.ld-active .ld-hero{display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:center}
 body.ld-active .ld-hero figure{margin:0;display:grid;grid-template-columns:minmax(0,1fr) 132px;background:var(--navy);color:#fff;align-items:end;border-bottom:3px solid var(--gold)}
 body.ld-active .ld-hero figure img{width:100%;height:330px;object-fit:contain;background:#172735}
 body.ld-active .ld-hero figcaption{padding:20px 14px;font-size:12px;line-height:1.6;color:#e5e3dd}
 body.ld-active .ld-hero figcaption b{display:block;margin:8px 0;color:#e1bb61;font-size:13px}
 body.ld-active .ld-guide{padding:44px 0 48px;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);background:var(--sunken)}
 body.ld-active .ld-heading{display:flex;justify-content:space-between;gap:48px;align-items:end;margin-bottom:26px}
 body.ld-active .ld-heading h2{font:400 clamp(29px,3vw,40px)/1.15 var(--serif);margin:9px 0 0;max-width:26ch}
 body.ld-active .ld-heading>p{max-width:43ch;color:var(--ink-2);font-size:15px}
 body.ld-active .ld-kicker{font-size:11px;letter-spacing:.16em;text-transform:uppercase;font-weight:600;color:var(--ink-2)}
 body.ld-active .ld-tabs{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;border:1px solid var(--rule-strong);margin:0;padding:0}
 body.ld-active .ld-tabs button{font:600 15px/1.4 var(--sans);display:flex;align-items:center;gap:12px;text-align:left;padding:17px 18px;min-height:66px;color:var(--ink);background:var(--ground);border:0;border-right:1px solid var(--rule-strong);border-bottom:3px solid transparent;cursor:pointer;min-width:0;white-space:normal}
 body.ld-active .ld-tabs button:last-child{border-right:0}
 body.ld-active .ld-tabs button:hover{background:var(--surface);border-bottom-color:var(--ink)}
 body.ld-active .ld-tabs button[aria-selected=true]{background:var(--navy);color:#fff;border-bottom-color:var(--gold)}
 body.ld-active .ld-tabs svg{width:22px;height:22px;flex:0 0 22px;fill:none;stroke:currentColor;stroke-width:1.5}
 body.ld-active .ld-panel{padding:30px;background:var(--surface);border:1px solid var(--rule-strong);border-top:0;scroll-margin-top:110px}
 body.ld-active .ld-panel:focus-visible,body.ld-active .ld-tabs button:focus-visible,body.ld-active .ld-stage button:focus-visible{outline:3px solid var(--gold);outline-offset:4px;position:relative;z-index:2}
 body.ld-active .ld-panel-grid{display:grid;grid-template-columns:minmax(0,.92fr) minmax(0,1.08fr);gap:40px;min-height:285px;align-items:start}
 body.ld-active .ld-panel h3{font:400 30px/1.16 var(--serif);margin:4px 0 15px;color:var(--ink)}
 body.ld-active .ld-panel p{font-size:16px;line-height:1.65;color:var(--ink-2);margin:0 0 16px;max-width:65ch}
 body.ld-active .ld-panel .ld-caveat{font-size:13px;margin:18px 0 0;padding-left:12px;border-left:2px solid var(--gold)}
 body.ld-active .ld-visual{background:var(--navy);color:#f8f6f0;min-height:230px;padding:24px;display:flex;flex-direction:column;justify-content:center}
 body.ld-active .ld-visual p,body.ld-active .ld-visual .ld-kicker{color:#d9dfe4}
 body.ld-active .ld-visual h4{font:400 27px/1.2 var(--serif);color:#fff;margin:6px 0 18px}
 body.ld-active .ld-visual ol{display:grid;gap:12px;list-style:none;margin:0;padding:0;counter-reset:ld}
 body.ld-active .ld-visual li{counter-increment:ld;display:flex;gap:16px;align-items:baseline;font-size:15px;border-top:1px solid #52606c;padding-top:9px}
 body.ld-active .ld-visual li:before{content:counter(ld,decimal-leading-zero);color:#e1bb61;font-size:12px;letter-spacing:.12em}
 body.ld-active .ld-visual svg{width:100%;height:120px;stroke:#e1bb61;fill:none;stroke-width:1.5}
 body.ld-active .ld-visual small{color:#ccd3da;font-size:12px;margin-top:12px}
 body.ld-active .ld-panel .ld-factors{margin:0 0 20px;padding-left:20px;color:var(--ink-2);font-size:15px}
 body.ld-active .ld-panel .ld-factors li{margin:5px 0}
 body.ld-active .ld-detail{border-top:1px solid var(--rule-strong);padding:16px 0 0;margin-top:24px}
 body.ld-active .ld-detail>summary{cursor:pointer;font-weight:600;font-size:15px;color:var(--ink)}
 body.ld-active .ld-detail>div{padding-top:20px}
 body.ld-active .ld-detail section{padding:0!important;background:transparent!important;border:0!important;color:var(--ink)!important}
 body.ld-active .ld-detail .wrap{padding:0;max-width:none}
 body.ld-active .ld-detail h2{font-size:25px!important;margin:0 0 15px!important;color:var(--ink)!important}
 body.ld-active .ld-detail h3{font-size:22px!important}
 body.ld-active .ld-detail p,.ld-detail .band p{color:var(--ink-2)!important;font-size:15px!important}
 body.ld-active .ld-detail .eyebrow,body.ld-active .ld-detail b{color:var(--ink)!important}
 body.ld-active .ld-detail .sec-k{display:none}
 body.ld-active .ld-detail .ent-framework,body.ld-active .ld-detail .refi-compare{margin-top:18px}
 body.ld-active .ld-detail .ent-state,body.ld-active .ld-detail .refi-path{background:var(--sunken);border-color:var(--rule-strong)}
 body.ld-active .ld-guide-foot{display:flex;gap:24px;justify-content:space-between;align-items:start;margin-top:20px;font-size:14px}
 body.ld-active .ld-guide-foot p{max-width:70ch;color:var(--ink-2)}
 body.ld-active .ld-guide-foot a{white-space:normal}
 body.ld-active .va-story{padding:52px 0}
 body.ld-active .va-story .vfig{grid-template-columns:270px minmax(0,1fr);gap:16px 40px;margin-top:26px;align-items:start}
 body.ld-active .va-story .vfig figure{grid-column:1;grid-row:1 / span 3;width:100%;margin:0}
 body.ld-active .va-story .vfig figure img{height:300px;width:100%;object-fit:contain;border-radius:0;background:var(--sunken)}
 body.ld-active .va-story .vstory-fact,body.ld-active .va-story .vstory-meaning{grid-column:2;max-width:68ch;margin:0;padding:0}
 body.ld-active .va-story .vstory-meaning p{font:400 23px/1.45 var(--serif);color:var(--ink)}
 body.ld-active .ld-geography{grid-column:2;display:flex;align-items:center;gap:20px;border-top:1px solid var(--rule);padding-top:18px}
 body.ld-active .ld-geography svg{width:105px;height:80px;flex:0 0 105px;fill:var(--sunken);stroke:var(--ink-2);stroke-width:.6}
 body.ld-active .ld-geography p{font-size:13px;color:var(--ink-2);max-width:60ch}
 body.ld-active .ld-branch-note{font-size:12px;color:var(--ink-2);border-top:1px solid var(--rule);padding-top:16px;margin-top:24px}
 body.ld-active .va-execution{padding:32px 0;background:var(--sunken);border-top:1px solid var(--rule)}
 body.ld-active .va-execution .wrap{display:grid;grid-template-columns:.6fr 1.4fr;gap:40px}
 body.ld-active .va-execution .vcase{margin:0;padding:0 0 0 26px;background:none;border:0;border-left:2px solid var(--gold);max-width:none}
 body.ld-active .va-execution h3 span{display:inline}
 body.ld-active .va-execution h3 span+span:before{content:' '}
 body.ld-active .ld-disclosure{padding:24px 0}
 body.ld-active .ld-disclosure .va-disclosure{margin:0;font-size:14px}
 body.ld-active main>.ld-final{background:var(--sunken);color:var(--ink);padding:42px 0;border-top:3px solid var(--gold);border-bottom:18px solid var(--ground)}
 body.ld-active.fullsite-candidate .ld-final :is(p,h2,.quote,.sec-lede,.fs-process-note,em){color:var(--ink)}
 body.ld-active .ld-final .btn-gold{color:#0d1b2a}
 body.ld-active .ld-final .btn-ghost-light{color:var(--ink);border-color:var(--rule-strong)}
 body.ld-active .ld-final .quote{font-size:30px;max-width:34ch}
 body.ld-active .ld-final .quote em{font-size:17px;font-style:normal;display:block;margin-top:12px}
 body.ld-active .ld-final a[href*='my1003app']{background:none;border:0;border-bottom:1px solid var(--ink-2);border-radius:0;color:var(--ink);padding:8px 0}
 body.ld-active .ld-final .rule-gold{display:none}
 body.ld-active .ld-final .fs-process-note{font-size:13px;margin:10px auto;max-width:65ch}
 body.ld-active .fd-proof{padding:32px 0}
 body.ld-active .fd-proof .wrap{display:grid;grid-template-columns:.6fr 1.4fr;gap:40px}
 body.ld-active .fd-proof .res-evidence{grid-area:auto;margin:0;max-width:none}
 body.ld-active .ld-detail :is(.ent-state,.refi-path) p{color:#526071!important}
 body.ld-active .ld-tabs.ld-six{grid-template-columns:repeat(3,minmax(0,1fr))}
 body.ld-active .ld-tabs.ld-six button{border-bottom:1px solid var(--rule-strong);min-height:52px;padding:12px 18px}
 body.ld-active .ld-tabs.ld-six button[aria-selected=true]{box-shadow:inset 0 -3px var(--gold)}
 body.ld-active .ld-stage{border-top:1px solid var(--rule-strong);margin-top:26px;padding-top:20px}
 body.ld-active .ld-stage-buttons{display:flex;gap:10px;margin:10px 0 15px}
 body.ld-active .ld-stage button{background:var(--ground);color:var(--ink);border:1px solid var(--rule-strong);font:600 14px var(--sans);padding:10px 18px;cursor:pointer}
 body.ld-active .ld-stage button[aria-pressed=true]{border-bottom:3px solid var(--gold);background:var(--navy);color:#fff}
 body.ld-active .ld-stage-content{font-size:15px;color:var(--ink-2);min-height:55px;max-width:90ch}
 body.ld-active .ld-index{display:flex;gap:28px;padding:15px 0;border-bottom:1px solid var(--rule);font-size:14px;position:static;margin:0}
 body.ld-active .ld-index a{color:var(--ink);text-decoration:underline;text-underline-offset:5px}
 body.ld-active .ld-calculator{padding:34px 0}
 body.ld-active .ld-calculator>summary{font:400 32px/1.2 var(--serif);cursor:pointer;padding:20px 0;color:var(--ink)}
 body.ld-active .ld-calculator .calc{padding:24px 0;border-top:1px solid var(--rule)}
 body.ld-active .ld-calculator .calc>.wrap{padding:0}
 body.ld-active .ld-calculator .calc-head h2{font-size:30px}
 body.ld-active .ld-calculator .calc-head .sec-lede{font-size:16px;max-width:60ch}
 body.ld-active .ld-calculator .calc-head{margin-bottom:26px}
 body.ld-active .ld-ratios{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:22px}
 body.ld-active .ld-ratios details{border:1px solid var(--rule-strong);padding:14px;background:var(--surface)}
 body.ld-active .ld-ratios summary{cursor:pointer;font-weight:600;font-size:15px}
 body.ld-active .ld-ratios .def{padding:16px 0 0;border:0}
 body.ld-active .ld-ratios p{font-size:14px;max-width:65ch}
 body.ld-active .ld-assets{font-size:14px;line-height:1.7;color:var(--ink-2);padding-top:18px}
 body.ld-active .ld-architecture{display:block;width:100%;height:175px;color:var(--ink);stroke:currentColor;fill:none;stroke-width:1}
 body.ld-active .ld-architecture .accent{stroke:var(--gold);stroke-width:2}
 body.ld-active[data-lending-page=commercial] .phero-grid{grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);align-items:center;gap:60px}
 body.ld-active[data-lending-page=commercial] .phero h1{font-size:clamp(38px,3.3vw,48px);max-width:26ch!important}
 body.ld-active .ld-index.wrap{max-width:1224px;width:calc(100% - 112px);margin:0 auto;padding:18px 0}
 body.ld-active .ld-detail .rise,body.ld-active .ld-panel .rise{opacity:1;transform:none}
 body.ld-active main :is(section,details,[role=tabpanel])[id]{scroll-margin-top:110px}
 @media(max-width:1150px){body.ld-active .ld-hero{gap:28px}body.ld-active .ld-tabs button{padding:14px 12px;font-size:14px}body.ld-active .ld-panel{padding:24px}body.ld-active .ld-panel-grid{gap:28px}}
 @media(prefers-reduced-motion:reduce){body.ld-active main *{scroll-behavior:auto!important;transition:none!important;animation:none!important}}
}