@font-face{font-family:"Archivo";src:url(/assets/font-q5egh3rh-archivo-400.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Archivo";src:url(/assets/font-q5egh3rh-archivo-700.woff2) format("woff2");font-weight:700;font-style:normal;font-display:swap}
:root{--bar:#14120f;--glass:#f4f6f3;--seed:#e7ece8;--glow:#dce6f7;--cobalt:#0b3d9e;--cobalt-lit:#1d56c8;--amber:#f0a81c;--amber-lit:#f7bf4a;--ox:#6b1220;--ox-lit:#8a1d2e;--muted:#43443f;--b:5px;--bh:10px;--font:"Archivo","Helvetica Neue",Arial,sans-serif;--measure:40rem;--lit:.7s cubic-bezier(.3,.1,.2,1)}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bar);color:var(--bar);font-family:var(--font);font-size:1.0625rem;line-height:1.62;font-weight:400}
::selection{background:var(--cobalt);color:#fff}
img{display:block;max-width:100%;height:auto}
a{color:var(--cobalt);text-underline-offset:.2em;text-decoration-thickness:2px}
a:hover{color:var(--ox)}
:focus-visible{outline:4px solid var(--amber);outline-offset:2px;box-shadow:0 0 0 7px var(--bar)}
h1,h2,h3{font-family:var(--font);font-weight:700;line-height:1.12;margin:0 0 .55em;letter-spacing:-.015em;color:var(--bar);text-wrap:balance}
h1{font-size:clamp(2.1rem,4.6vw,3.7rem)}
h2{font-size:clamp(1.65rem,3vw,2.35rem)}
h3{font-size:1.25rem;line-height:1.25}
p{margin:0 0 1em;max-width:var(--measure)}
strong{font-weight:700}
.skf5m-wrap{width:min(100% - 2rem,76rem);margin-inline:auto}
.skf5m-skip{position:absolute;left:-999px;top:0;background:var(--amber);color:var(--bar);padding:.8rem 1rem;z-index:99;font-weight:700}
.skf5m-skip:focus{left:1rem;top:1rem}

/* header: the steel frame at the top of the wall */
.skf5m-head{position:sticky;top:0;z-index:30;background:var(--bar);backdrop-filter:none;border-bottom:var(--bh) solid var(--bar);color:#fff}
.skf5m-nav{display:flex;align-items:center;justify-content:space-between;gap:.5rem 1.5rem;min-height:68px}
.skf5m-brand{display:inline-flex;align-items:center;gap:.7rem;min-height:48px;font-family:var(--font);font-weight:700;font-size:1.2rem;color:#fff;text-decoration:none;letter-spacing:-.01em}
.skf5m-brand img{width:34px;height:34px;background:var(--glass);padding:3px}
.skf5m-brand:hover{color:var(--amber-lit)}
.skf5m-links{display:flex;gap:.3rem;align-items:center}
.skf5m-links a{display:inline-flex;align-items:center;min-height:48px;padding:0 .95rem;color:#fff;text-decoration:none;font-weight:700;font-size:1rem;background:transparent;transition:background var(--lit),color var(--lit)}
.skf5m-links a:hover{background:var(--cobalt);color:#fff}
.skf5m-links a.skf5m-cta{background:var(--amber);color:var(--bar)!important;margin-left:.6rem;padding:0 1.2rem;border-radius:0}
.skf5m-links a.skf5m-cta:hover{background:var(--amber-lit);color:var(--bar)!important}
.skf5m-menu{display:none;align-items:center;justify-content:center;min-width:48px;min-height:48px;background:var(--glass);border:0;border-radius:0;color:var(--bar);cursor:pointer}
.skf5m-menu:hover{background:var(--amber)}
@media (max-width:760px){
.skf5m-menu{display:inline-flex}
.skf5m-links{display:none;position:absolute;left:0;right:0;top:100%;background:var(--bar);border-bottom:var(--bh) solid var(--bar);flex-direction:column;align-items:stretch;padding:0 1rem 1rem;gap:var(--b)}
.skf5m-links[data-open]{display:flex}
.skf5m-links a{background:var(--seed);color:var(--bar);padding:0 1rem}
.skf5m-links a:hover{background:var(--cobalt);color:#fff}
.skf5m-links a.skf5m-cta{margin-left:0}
}

/* weather: one low pane band set in the frame */
.skf5m-wx{background:var(--bar);color:#fff;border-bottom:var(--bh) solid var(--bar)}
.skf5m-wx-row{display:flex;flex-wrap:wrap;align-items:center;gap:.5rem 1.6rem;padding:.8rem 0}
.skf5m-wx-photo{display:inline-flex;align-items:center;gap:.6rem;min-height:48px;background:none;border:0;padding:0;color:#fff;font:inherit;cursor:pointer}
.skf5m-wx-photo img{width:52px;height:52px;border-radius:0;object-fit:cover;border:var(--b) solid var(--glass)}
.skf5m-wx-photo span{font-size:.85rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;border:2px solid var(--amber);border-radius:0;padding:.45rem .7rem;color:var(--amber);transition:background var(--lit),color var(--lit)}
.skf5m-wx-photo:hover span,.skf5m-wx-photo[aria-expanded=true] span{background:var(--amber);border-color:var(--amber);color:var(--bar)}
.skf5m-wx-now{display:flex;align-items:center;gap:.7rem}
.skf5m-wx-now strong{font-family:var(--font);font-size:2rem;line-height:1;color:#fff}
.skf5m-wx-now span{font-size:1rem}
.skf5m-wx-now small{display:block;font-size:.88rem;opacity:1;color:#d9ddd8}
.skf5m-wx-icon{display:inline-flex;color:var(--amber)}
.skf5m-wx-days{display:flex;flex-wrap:wrap;gap:var(--b);list-style:none;margin:0;padding:0}
.skf5m-wx-days li{display:grid;grid-template-columns:auto auto;grid-template-rows:auto auto;column-gap:.6rem;align-items:center;background:var(--glass);color:var(--bar);border:0;border-radius:0;padding:.4rem .7rem;font-size:.9rem;min-width:124px}
.skf5m-wx-day{font-weight:700;grid-column:1}
.skf5m-wx-glyph{grid-row:1/3;grid-column:2;color:var(--cobalt)}.skf5m-wx-glyph svg{width:24px;height:24px}
.skf5m-wx-hl{grid-column:1}.skf5m-wx-hl strong{font-size:1rem}.skf5m-wx-hl em{font-style:normal;color:var(--muted);margin-left:.35rem}
.skf5m-wx-cond{grid-column:1/3;font-size:.8rem;color:var(--muted);opacity:1;max-width:150px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.skf5m-wx-source{margin-left:auto;font-size:.85rem;color:#d9ddd8;opacity:1}
.skf5m-wx-panel{padding:0 0 1rem}
.skf5m-wx-panel img{max-width:600px;width:100%;background:#fff;border:var(--b) solid var(--glass)}
.skf5m-wx-panel p{font-size:.88rem;color:#d9ddd8;opacity:1;margin:.5rem 0 0}
@media (max-width:700px){.skf5m-wx-source{margin-left:0;width:100%}.skf5m-wx-now strong{font-size:1.7rem}}

/* the wall: panes sit in a black grid at true bar thickness */
.skf5m-hero,.skf5m-bay,.skf5m-section{padding:0;background:var(--bar)}
.skf5m-bay,.skf5m-section{border-top:var(--bh) solid var(--bar)}
.skf5m-bay .skf5m-wrap,.skf5m-hero .skf5m-wrap{padding-block:0}
.skf5m-wall{display:grid;grid-template-columns:repeat(12,1fr);gap:var(--b);background:var(--bar);padding:var(--b);margin-bottom:var(--b)}
.skf5m-pane{background:var(--glass);padding:1.4rem;min-width:0;transition:background var(--lit);background-image:radial-gradient(circle at 18% 22%,rgba(200,214,208,.45) 0 2px,transparent 3px),radial-gradient(circle at 71% 63%,rgba(200,214,208,.4) 0 1.5px,transparent 2.5px),radial-gradient(circle at 40% 88%,rgba(200,214,208,.4) 0 2px,transparent 3px);background-size:90px 90px,130px 130px,110px 110px}
.skf5m-pane>:last-child{margin-bottom:0}
.skf5m-eyebrow{margin:0 0 .6rem;font-size:.9rem;font-weight:700;letter-spacing:.04em;text-transform:none;color:var(--muted);max-width:none}
.skf5m-eyebrow::before{content:"";display:inline-block;width:.75em;height:.75em;background:var(--amber);border:2px solid var(--bar);margin-right:.5em;vertical-align:-.05em}
.skf5m-lead{font-size:1.2rem;color:var(--bar)}

/* hero wall */
.skf5m-wall .skf5m-p-title{grid-column:1/9;display:flex;flex-direction:column;justify-content:flex-end;min-height:15rem;padding-top:2.4rem}
.skf5m-p-title h1{margin-bottom:.4em}
.skf5m-wall .skf5m-p-art{grid-column:9/13;grid-row:1/3;padding:0;background:var(--cobalt);overflow:hidden;min-height:20rem;position:relative}
.skf5m-p-art svg{position:absolute;inset:0;width:100%;height:100%}
.skf5m-wall .skf5m-p-say{grid-column:1/9;background-color:var(--seed)}
.skf5m-wall .skf5m-p-cobalt{grid-column:1/8;background:var(--cobalt);color:#fff}
.skf5m-wall .skf5m-p-amber{grid-column:8/13;background:var(--amber);color:var(--bar);display:flex;align-items:center}
.skf5m-p-cobalt{background-image:none!important}.skf5m-p-amber{background-image:none!important}
.skf5m-trust{display:grid;grid-template-columns:1fr 1fr;gap:.7rem 1.4rem;margin:0;padding:0;list-style:none;font-size:1.02rem;font-weight:700}
.skf5m-trust li{display:flex;gap:.6rem;align-items:flex-start}
.skf5m-trust li::before{content:"";flex:none;width:.85rem;height:.85rem;margin-top:.4em;background:var(--amber);border:2px solid #fff}
.skf5m-acts{display:flex;flex-wrap:wrap;gap:.8rem}
.skf5m-p-amber .skf5m-btn--primary{background:var(--bar);color:#fff}
.skf5m-p-amber .skf5m-btn--primary:hover{background:var(--ox);color:#fff}
.skf5m-p-amber .skf5m-btn--ghost{border-color:var(--bar);color:var(--bar)}
.skf5m-p-amber .skf5m-btn--ghost:hover{background:var(--bar);color:#fff}
@media (max-width:900px){
.skf5m-wall .skf5m-p-title,.skf5m-wall .skf5m-p-say,.skf5m-wall .skf5m-p-cobalt,.skf5m-wall .skf5m-p-amber{grid-column:1/-1}
.skf5m-wall .skf5m-p-art{grid-column:1/-1;grid-row:auto;min-height:11rem;order:-1}
.skf5m-wall .skf5m-p-title{min-height:0}
}
@media (max-width:520px){.skf5m-trust{grid-template-columns:1fr}}

/* section heading panes */
.skf5m-wall .skf5m-p-head{grid-column:1/5}
.skf5m-p-head h2{margin-bottom:.5em}
.skf5m-wall--rates .skf5m-p-table{grid-column:5/13;padding:0;overflow:hidden}
.skf5m-wall--rates .skf5m-p-head{background-color:var(--amber);background-image:none;color:var(--bar)}
.skf5m-wall--rates .skf5m-p-head .skf5m-eyebrow{color:var(--bar)}
.skf5m-wall--rates .skf5m-p-head .skf5m-eyebrow::before{background:var(--bar);border-color:var(--bar)}
.skf5m-wall--rates .skf5m-p-head a{color:var(--bar)}
.skf5m-wall--how .skf5m-steps{grid-column:5/13;display:grid;grid-template-columns:repeat(3,1fr);gap:var(--b);background:var(--bar)}
.skf5m-wall--how .skf5m-steps .skf5m-card{height:100%}
.skf5m-wall--how .skf5m-p-head{background-color:var(--cobalt);background-image:none;color:#fff}
.skf5m-wall--how .skf5m-p-head h2,.skf5m-wall--how .skf5m-p-head .skf5m-eyebrow{color:#fff}
.skf5m-wall--how .skf5m-p-head .skf5m-eyebrow::before{border-color:#fff}
.skf5m-wall--why .skf5m-p-head{grid-column:1/5;background-color:var(--ox);background-image:none;color:#fff}
.skf5m-wall--why .skf5m-p-head h2,.skf5m-wall--why .skf5m-p-head .skf5m-eyebrow{color:#fff}
.skf5m-wall--why .skf5m-p-head .skf5m-eyebrow::before{border-color:#fff}
.skf5m-wall--why .skf5m-p-text{grid-column:5/13}
.skf5m-wall--why .skf5m-p-links{grid-column:1/5;background-color:var(--seed)}
.skf5m-wall--why .skf5m-p-photos{grid-column:5/13;padding:0;background:var(--bar)}
.skf5m-wall--learn .skf5m-p-head{grid-column:1/5}
.skf5m-wall--learn .skf5m-learn-list{grid-column:5/13;display:grid;grid-template-columns:1fr 1fr;gap:var(--b);background:var(--bar)}
.skf5m-wall--learn .skf5m-learn-list .skf5m-card{height:100%}
@media (max-width:900px){
.skf5m-wall .skf5m-p-head,.skf5m-wall--rates .skf5m-p-table,.skf5m-wall--how .skf5m-steps,.skf5m-wall--why .skf5m-p-text,.skf5m-wall--why .skf5m-p-links,.skf5m-wall--why .skf5m-p-photos,.skf5m-wall--learn .skf5m-learn-list{grid-column:1/-1}
.skf5m-wall--how .skf5m-steps{grid-template-columns:1fr}
}
@media (max-width:600px){.skf5m-wall--learn .skf5m-learn-list{grid-template-columns:1fr}}

/* cards are panes */
.skf5m-cols{display:grid;gap:var(--b);grid-template-columns:repeat(auto-fit,minmax(240px,1fr));background:var(--bar)}
.skf5m-card{display:block;background:var(--glass);color:var(--bar);border:0;border-radius:0;padding:1.4rem;text-decoration:none;transition:background var(--lit)}
a.skf5m-card:hover,.skf5m-card:hover{background:var(--glow);color:var(--bar)}
a.skf5m-card h3{color:var(--cobalt);text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:.2em}
a.skf5m-card:hover h3{color:var(--bar)}
.skf5m-card p{margin-bottom:0}
.skf5m-card.skf5m-calc{margin:1.2rem 0;border:var(--b) solid var(--bar);background:var(--seed)}
.skf5m-card.skf5m-calc:hover{background:var(--seed)}
.skf5m-num{display:inline-grid;place-items:center;width:2.6rem;height:2.6rem;border-radius:0;background:var(--cobalt);color:#fff;font-weight:700;font-size:1.2rem;margin-bottom:.8rem;border:0}
.skf5m-steps .skf5m-card:nth-child(2) .skf5m-num{background:var(--amber);color:var(--bar)}
.skf5m-steps .skf5m-card:nth-child(3) .skf5m-num{background:var(--ox);color:#fff}

/* sections on inner pages */
.skf5m-section{padding:var(--b) 0 0}
.skf5m-section .skf5m-wrap{background:var(--glass);padding:1.5rem;margin-bottom:var(--b);width:min(100% - 2rem,76rem)}
.skf5m-section--soft .skf5m-wrap{background:var(--seed)}
.skf5m-section--deep .skf5m-wrap{background:var(--ox);color:#fff}
.skf5m-section--deep h2,.skf5m-section--deep h3,.skf5m-section--deep p,.skf5m-section--deep .skf5m-eyebrow{color:#fff}
.skf5m-section--deep a{color:#fff}
.skf5m-section--deep .skf5m-eyebrow::before{border-color:#fff}
.skf5m-bay .skf5m-section,.skf5m-bay .skf5m-wrap .skf5m-section{padding:0}
.skf5m-article{max-width:none}
.skf5m-article>*:not(figure):not(.skf5m-card):not(.skf5m-faq):not(.skf5m-sources):not(.skf5m-table-wrap){max-width:var(--measure)}
.skf5m-article figure{margin:0 0 1.6rem;border:var(--b) solid var(--bar)}
.skf5m-article figcaption{font-size:.88rem;color:var(--muted);padding:.5rem .8rem;background:var(--seed)}
.skf5m-article img{border-radius:0;width:100%}
.skf5m-article h2{margin-top:1.6em}
.skf5m-sources{font-size:.95rem;border-top:var(--b) solid var(--bar);padding-top:1rem;margin-top:2rem}.skf5m-sources ol{padding-left:1.2rem}

/* buttons: lit glass slabs */
.skf5m-btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:48px;border:0;border-radius:0;padding:.75rem 1.4rem;font:inherit;font-weight:700;font-size:1.02rem;cursor:pointer;text-decoration:none;transition:background var(--lit),color var(--lit)}
.skf5m-btn--primary{background:var(--cobalt);color:#fff}
.skf5m-btn--primary:hover{background:var(--cobalt-lit);color:#fff;filter:none}
.skf5m-btn--ghost{background:transparent;color:var(--bar);border:var(--b) solid var(--bar);padding:calc(.75rem - 2px) 1.2rem}
.skf5m-btn--ghost:hover{background:var(--bar);color:#fff}
.skf5m-btn[disabled]{opacity:1;cursor:progress;background:rgba(244,246,243,.85);color:#555650;outline:2px dashed #8a8c86;outline-offset:-6px}

/* quote engine */
.skf5m-panel .skf5m-wrap{padding-bottom:0}
.skf5m-quote{background:var(--glass);border:0;border-radius:0;padding:1.4rem;box-shadow:none;margin-bottom:var(--b);background-image:radial-gradient(circle at 12% 30%,rgba(200,214,208,.5) 0 2px,transparent 3px),radial-gradient(circle at 80% 70%,rgba(200,214,208,.45) 0 1.5px,transparent 2.5px);background-size:100px 100px,140px 140px}
.skf5m-section .skf5m-quote{background-color:var(--glass);border:var(--b) solid var(--bar)}
.skf5m-quote h2{font-size:1.5rem}
.skf5m-fields{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem 1.2rem}
@media (max-width:560px){.skf5m-fields{grid-template-columns:1fr}}
.skf5m-field{display:flex;flex-direction:column;gap:.35rem;border:0;padding:0;margin:0}
.skf5m-field>span:first-child{font-size:.95rem;font-weight:700}
.skf5m-field input,.skf5m-field select,.skf5m-field textarea{font:inherit;min-height:48px;padding:.65rem .8rem;border:var(--b) solid var(--bar);border-radius:0;background:#fff;color:var(--bar);width:100%;transition:background var(--lit)}
.skf5m-field input:hover,.skf5m-field select:hover,.skf5m-field textarea:hover{background:var(--glow)}
.skf5m-field input:focus,.skf5m-field select:focus,.skf5m-field textarea:focus{outline:4px solid var(--amber);outline-offset:0;border-color:var(--bar);background:#fff}
.skf5m-field--wide{grid-column:1/-1}
.skf5m-seg{display:flex;flex-wrap:wrap;gap:var(--b);background:var(--bar);padding:var(--b);width:fit-content;max-width:100%}
.skf5m-seg label{position:relative;display:inline-flex;align-items:center;min-height:48px;background:var(--seed);border:0;border-radius:0;padding:.5rem 1rem;cursor:pointer;font-size:1rem;font-weight:400;transition:background var(--lit),color var(--lit)}
.skf5m-seg label:hover{background:var(--glow)}
.skf5m-seg input{position:absolute;opacity:0;width:0;height:0}
.skf5m-seg input:checked+span{background:none;color:inherit;border-radius:0;margin:0;padding:0;display:inline}
.skf5m-seg label:has(input:checked){background:var(--cobalt);color:#fff;border:0;font-weight:700}
.skf5m-seg label:has(input:focus-visible){outline:4px solid var(--amber);outline-offset:2px;z-index:2}
.skf5m-seg input:focus-visible+span{outline:0}
.skf5m-note{font-size:.95rem;color:var(--muted);margin-top:.7rem;max-width:none}
.skf5m-status{margin-top:.8rem;font-weight:700;min-height:1.4em}
.skf5m-status[data-tone=error]{color:#9b1c1c}
.skf5m-results{margin-top:var(--b)}
.skf5m-results:empty{display:none}
.skf5m-summary{display:flex;flex-wrap:wrap;gap:.5rem 1.4rem;align-items:baseline;margin-bottom:var(--b);font-size:1rem;background:var(--glass);padding:1rem 1.2rem}
.skf5m-result{display:grid;grid-template-columns:1fr auto;gap:.6rem 1.2rem;align-items:center;border:0;border-radius:0;padding:1.1rem 1.2rem;margin-bottom:var(--b);background:var(--glass);transition:background var(--lit)}
.skf5m-result:hover{background:var(--glow)}
.skf5m-result--best{background:var(--amber);border:0;box-shadow:none}
.skf5m-result--best:hover{background:var(--amber-lit)}
.skf5m-result strong{font-family:var(--font);font-size:1.1rem}
.skf5m-result small{display:block;color:var(--muted);font-size:.9rem}
.skf5m-result--best small{color:var(--bar)}
.skf5m-price{font-family:var(--font);font-size:1.8rem;font-weight:700;text-align:right;line-height:1}
.skf5m-price small{display:block;font-size:.8rem;font-weight:700;text-align:right;margin-top:.3rem;color:var(--muted)}
.skf5m-result--best .skf5m-price small{color:var(--bar)}
.skf5m-tags{display:flex;flex-wrap:wrap;gap:var(--b);margin-top:.4rem}
.skf5m-tag{font-size:.82rem;font-weight:700;padding:.2rem .55rem;border-radius:0;background:var(--seed);color:var(--bar);border:2px solid var(--bar)}
.skf5m-tag--now{background:var(--ox);color:#fff;border-color:var(--bar)}
.skf5m-group{font-size:1.2rem;margin:1.2rem 0 .4rem;background:var(--glass);padding:1rem 1.2rem 0}
.skf5m-applicant{margin:var(--b) 0;border:var(--b) solid var(--bar)}
.skf5m-result .skf5m-btn{grid-column:1/-1;justify-self:start}
.skf5m-result--best .skf5m-btn--primary{background:var(--bar)}
.skf5m-result--best .skf5m-btn--primary:hover{background:var(--ox)}
@media (min-width:640px){.skf5m-result{grid-template-columns:1fr auto auto}.skf5m-result .skf5m-btn{grid-column:auto}}
.skf5m-disclosure{font-size:.9rem;color:var(--bar);background:var(--glass);padding:1rem 1.2rem;margin-top:var(--b);max-width:none}
details.skf5m-more{margin-top:.5rem;font-size:.95rem}details.skf5m-more summary{cursor:pointer;color:var(--cobalt);font-weight:700;min-height:44px}

/* no-exam highlight: the cobalt pane lit from behind */
.skf5m-noexam{background:var(--cobalt);border:0;border-radius:0;padding:var(--b);margin:0 0 var(--b);box-shadow:none;color:#fff}
.skf5m-noexam .skf5m-result{margin-bottom:var(--b)}
.skf5m-group--noexam{display:flex;flex-wrap:wrap;align-items:center;gap:.6rem;margin:0 0 var(--b);font-size:1.25rem;background:var(--cobalt);color:#fff;padding:1rem 1.2rem}
.skf5m-noexam-badge{display:inline-block;background:var(--amber);color:var(--bar);font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;padding:.35rem .7rem;border-radius:0}
.skf5m-noexam-note{margin:0 0 var(--b);color:var(--bar);background:var(--glass);padding:1rem 1.2rem;max-width:none}
.skf5m-result--noexam{border:0;background:var(--glass)}
.skf5m-result--noexam.skf5m-result--best{background:var(--amber)}
.skf5m-tag--noexam{background:var(--cobalt);color:#fff;border-color:var(--bar)}
.skf5m-tag--usually{background:var(--glow);color:var(--bar);border-color:var(--bar)}
.skf5m-noexam-note+.skf5m-noexam-note{margin-top:0;padding-top:1rem;border-top:0}

/* tables: bars at true thickness */
.skf5m-table-wrap{overflow-x:auto;background:var(--bar)}
.skf5m-table{width:100%;border-collapse:separate;border-spacing:var(--b);font-size:1.02rem;margin:calc(var(--b) * -1) 0}
.skf5m-table th,.skf5m-table td{padding:.8rem 1rem;border:0;text-align:left;background:var(--glass);color:var(--bar)}
.skf5m-table th{font-size:.9rem;text-transform:none;letter-spacing:0;font-weight:700;background:var(--cobalt);color:#fff}
.skf5m-table tbody tr:hover td{background:var(--glow)}
.skf5m-table td:nth-child(2){font-weight:700;background:var(--amber)}
.skf5m-table tbody tr:hover td:nth-child(2){background:var(--amber-lit)}
.skf5m-wall--rates .skf5m-table-wrap{border-top:0}
.skf5m-p-table{display:block;background:var(--bar)}
@media (max-width:600px){.skf5m-table th,.skf5m-table td{padding:.7rem .7rem;font-size:.95rem}}

/* mosaic: three framed panes */
.skf5m-mosaic{display:grid;grid-template-columns:1fr 1fr;gap:var(--b);background:var(--bar)}
.skf5m-mosaic a{position:relative;display:block;border-radius:0;overflow:hidden;background:var(--bar);aspect-ratio:8/5}
.skf5m-mosaic a:first-child{grid-column:1/-1;aspect-ratio:16/8}
.skf5m-mosaic img{width:100%;height:100%;object-fit:cover;transition:filter var(--lit);filter:saturate(.9) brightness(.97)}
.skf5m-mosaic a:hover img{transform:none;filter:saturate(1.1) brightness(1.08)}
.skf5m-mosaic span{position:absolute;left:0;bottom:0;max-width:100%;padding:.6rem .9rem;background:var(--bar);color:#fff;font-weight:700;font-size:1rem;line-height:1.25}
.skf5m-mosaic a:hover span{background:var(--cobalt)}
.skf5m-mosaic a:focus-visible{outline-offset:-6px}

/* faq */
.skf5m-faq{border:var(--b) solid var(--bar);background:var(--bar);display:grid;gap:var(--b);padding:var(--b)}
.skf5m-faq details{background:var(--glass);border:0;padding:0;transition:background var(--lit)}
.skf5m-faq details:hover{background:var(--glow)}
.skf5m-faq details[open]{background:var(--seed)}
.skf5m-faq summary{cursor:pointer;font-weight:700;font-family:var(--font);font-size:1.12rem;padding:1rem 1.2rem;min-height:56px;list-style:none;display:flex;align-items:center;gap:.8rem}
.skf5m-faq summary::-webkit-details-marker{display:none}
.skf5m-faq summary::before{content:"";flex:none;width:1rem;height:1rem;background:var(--cobalt);border:2px solid var(--bar)}
.skf5m-faq details[open] summary::before{background:var(--amber)}
.skf5m-faq details p{padding:0 1.2rem 1rem 3.1rem;max-width:none}

/* footer: bottom frame */
.skf5m-foot{background:var(--bar);color:#e9ece8;border-top:var(--bh) solid var(--bar);padding:2.4rem 0;font-size:1rem}
.skf5m-foot-grid{display:grid;gap:1.6rem;grid-template-columns:2fr 1fr 1fr}
@media (max-width:700px){.skf5m-foot-grid{grid-template-columns:1fr}}
.skf5m-foot a{color:#fff}
.skf5m-foot a:hover{color:var(--amber-lit)}
.skf5m-foot nav a{display:block;margin-bottom:.2rem;padding:.55rem 0;min-height:44px}
.skf5m-foot strong{display:block;margin-bottom:.4rem;color:var(--amber)}
.skf5m-foot .skf5m-brand{padding:0}
.skf5m-foot [data-copy=legal]{color:#d9ddd8}

/* apply */
.skf5m-apply-shell{background:#fff;border:var(--b) solid var(--bar);border-radius:0;padding:1rem;min-height:600px}
.skf5m-apply-shell iframe{width:100%;border:0}
.skf5m-calc output{font-family:var(--font);font-size:2rem;font-weight:700;display:block;margin-top:.6rem;color:var(--cobalt)}

/* reveal stays visible */
[data-reveal]{opacity:1;transform:none;transition:background var(--lit)}
[data-reveal].skf5m-in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

@media (min-width:900px){.skf5m-pane{padding:2rem}.skf5m-section .skf5m-wrap{padding:2.4rem}.skf5m-quote{padding:2rem}}