.elementor-7824 .elementor-element.elementor-element-4453cad{--display:flex;--margin-top:-45px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;overflow:visible;}.elementor-widget .tippy-tooltip .tippy-content{text-align:center;}/* Start custom CSS for html, class: .elementor-element-646706b *//* =========================
   VPCL – DSCR Loan Guide (FINAL)
   Scope: #vpcl-dscr-article
========================= */

#vpcl-dscr-article.vpcl-article.vpcl-dscr-article{
  --gold:#c89c39;
  --gold-hover:#b0862f;
  --ink:#0b1220;
  --text:#374151;
  --muted:#6b7280;
  --border:rgba(15,23,42,.12);
  --surface:#ffffff;
  --surface-2:#f8fafc;

  --radius-xl:22px;
  --radius-lg:18px;
  --radius-md:14px;

  --shadow-sm:0 10px 22px rgba(15,23,42,.06);
  --shadow-md:0 16px 40px rgba(15,23,42,.10);
  --shadow-xl:0 20px 48px rgba(15,23,42,.14);

  --max:980px;

  max-width:var(--max);
  margin:0 auto;
  padding:0 18px;
  font-family:"Open Sans",sans-serif;
  color:var(--text);
}

#vpcl-dscr-article *{ box-sizing:border-box; }
#vpcl-dscr-article{ -webkit-text-size-adjust:100%; }
#vpcl-dscr-article img{ max-width:100%; height:auto; }

#vpcl-dscr-article .vpcl-h2,
#vpcl-dscr-article .vpcl-h3,
#vpcl-dscr-article p{ max-width:72ch; }

#vpcl-dscr-article [id]{ scroll-margin-top:110px; }

/* =========================
   Links (text only)
========================= */
#vpcl-dscr-article a{
  color:var(--gold);
  text-decoration:none;
  font-weight:800;
}
#vpcl-dscr-article a:not(.vpcl-btn):hover{
  color:var(--gold-hover);
  text-decoration:underline;
  text-underline-offset:3px;
}

/* =========================
   Typography
========================= */
#vpcl-dscr-article .vpcl-eyebrow{
  margin:0 0 10px 0;
  font-size:13px;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:var(--muted);
}

#vpcl-dscr-article .vpcl-h1,
#vpcl-dscr-article .vpcl-h2,
#vpcl-dscr-article .vpcl-h3{
  font-family:"Raleway",sans-serif;
  color:var(--ink);
  margin:0 0 10px 0;
}

#vpcl-dscr-article .vpcl-h1{
  font-size:clamp(30px, 3.6vw, 44px);
  line-height:1.12;
  letter-spacing:-.015em;
  font-weight:850;
  margin-bottom:12px;
}

#vpcl-dscr-article .vpcl-h2{
  font-size:clamp(22px, 3vw, 30px);
  line-height:1.2;
  letter-spacing:-.01em;
  font-weight:800;
  margin:0 0 16px 0;
}
#vpcl-dscr-article .vpcl-h2 + p{ margin-bottom:18px; }

#vpcl-dscr-article .vpcl-h3{
  font-size:clamp(18px, 2.2vw, 22px);
  line-height:1.25;
  font-weight:750;
  margin-bottom:10px;
}

#vpcl-dscr-article p{
  margin:0 0 14px 0;
  line-height:1.75;
  font-size:16px;
}

#vpcl-dscr-article .vpcl-lead{
  font-size:clamp(16px, 2.1vw, 18px);
  margin-bottom:12px;
}

#vpcl-dscr-article .vpcl-muted{
  color:var(--muted);
  font-size:14px;
  line-height:1.7;
}

/* =========================
   Sections
========================= */
#vpcl-dscr-article .vpcl-section{
  padding:clamp(20px, 3.4vw, 34px) 0;
  border-bottom:1px solid var(--border);
}
#vpcl-dscr-article .vpcl-section:last-child{ border-bottom:none; }

/* =========================
   HERO (click + rhythm)
========================= */
#vpcl-dscr-article .vpcl-hero{
  padding-top:20px;
  padding-bottom:16px;
  border-bottom:none;
  position:relative;
  isolation:isolate;
  background:
    radial-gradient(900px 520px at 18% 12%, rgba(200,156,57,.20), rgba(200,156,57,0) 58%),
    radial-gradient(780px 520px at 88% 28%, rgba(11,18,32,.06), rgba(11,18,32,0) 60%),
    linear-gradient(180deg, rgba(255,255,255,.96), rgba(248,250,252,.92));
  border:1px solid rgba(15,23,42,.12);
  border-radius:var(--radius-xl);
  padding:clamp(18px, 3vw, 22px);
  box-shadow:var(--shadow-sm);
  overflow:hidden;
}

#vpcl-dscr-article .vpcl-hero::before{
  content:"";
  position:absolute;
  inset:-2px;
  border-radius:calc(var(--radius-xl) + 2px);
  padding:1px;
  background:linear-gradient(135deg, rgba(200,156,57,.40), rgba(176,134,47,.14), rgba(11,18,32,.10));
  -webkit-mask:linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
  -webkit-mask-composite:xor;
  mask-composite:exclude;
  pointer-events:none;
  opacity:.75;
}

#vpcl-dscr-article .vpcl-hero-cta{
  display:flex;
  flex-wrap:wrap;
  gap:12px;
  margin:14px 0 10px;
  position:relative;
  z-index:5;
}
#vpcl-dscr-article .vpcl-hero-cta,
#vpcl-dscr-article .vpcl-hero-cta *{
  pointer-events:auto !important;
}

#vpcl-dscr-article .vpcl-hero-cards{
  display:grid;
  grid-template-columns:repeat(3, minmax(0,1fr));
  gap:14px;
  margin-top:14px;
}

#vpcl-dscr-article .vpcl-mini-card{
  background:#fff;
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:16px;
  box-shadow:var(--shadow-sm);
}
#vpcl-dscr-article .vpcl-mini-kicker{
  margin:0 0 6px;
  color:var(--muted);
  font-size:13px;
  font-weight:900;
  letter-spacing:.01em;
}
#vpcl-dscr-article .vpcl-mini-text{
  margin:0;
  line-height:1.65;
}

/* =========================
   Buttons
========================= */
#vpcl-dscr-article a.vpcl-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:12px 16px;
  border-radius:999px;
  border:1px solid var(--border);
  font-weight:900;
  letter-spacing:.01em;
  box-shadow:0 8px 18px rgba(15,23,42,.06);
  transition:transform .15s ease, box-shadow .15s ease, background-color .15s ease, border-color .15s ease, color .15s ease;
  cursor:pointer;

  text-decoration:none !important;
  opacity:1 !important;
  filter:none !important;
  -webkit-filter:none !important;
  -webkit-text-fill-color:currentColor !important;
  mix-blend-mode:normal !important;
  pointer-events:auto !important;
  position:relative;
  z-index:10;
}

#vpcl-dscr-article a.vpcl-btn:hover{
  transform:translateY(-1px);
  box-shadow:0 14px 28px rgba(15,23,42,.10);
  text-decoration:none !important;
}

#vpcl-dscr-article a.vpcl-btn.vpcl-btn-primary,
#vpcl-dscr-article a.vpcl-btn.vpcl-btn-primary:visited{
  background:var(--gold) !important;
  border-color:rgba(176,134,47,.35) !important;
  color:#111827 !important;
  -webkit-text-fill-color:#111827 !important;
}
#vpcl-dscr-article a.vpcl-btn.vpcl-btn-primary:hover,
#vpcl-dscr-article a.vpcl-btn.vpcl-btn-primary:focus,
#vpcl-dscr-article a.vpcl-btn.vpcl-btn-primary:active{
  background:var(--gold-hover) !important;
  border-color:rgba(176,134,47,.55) !important;
  color:#0b1220 !important;
  -webkit-text-fill-color:#0b1220 !important;
}

#vpcl-dscr-article a.vpcl-btn.vpcl-btn-secondary,
#vpcl-dscr-article a.vpcl-btn.vpcl-btn-secondary:visited{
  background:#fff !important;
  color:var(--ink) !important;
  -webkit-text-fill-color:var(--ink) !important;
}
#vpcl-dscr-article a.vpcl-btn.vpcl-btn-secondary:hover{
  border-color:rgba(176,134,47,.55) !important;
}

#vpcl-dscr-article a.vpcl-btn *,
#vpcl-dscr-article a.vpcl-btn:hover *{
  opacity:1 !important;
  color:inherit !important;
  -webkit-text-fill-color:inherit !important;
  text-decoration:none !important;
}

/* =========================
   TOC
========================= */
#vpcl-dscr-article .vpcl-toc{
  border-bottom:1px solid var(--border);
  padding-top:14px;
}

#vpcl-dscr-article .vpcl-toc-inner{
  background:linear-gradient(180deg, #fff, #f9fafb);
  border:1px solid var(--border);
  border-radius:var(--radius-xl);
  padding:16px;
  box-shadow:var(--shadow-sm);
}

#vpcl-dscr-article .vpcl-toc-title{ margin:0 0 12px 0; }

#vpcl-dscr-article .vpcl-toc-list{
  margin:0;
  padding:0;
  list-style:none;
  display:grid;
  grid-template-columns:repeat(2, minmax(0,1fr));
  gap:10px 14px;
}

#vpcl-dscr-article .vpcl-toc-list a{
  display:block;
  padding:10px 12px;
  border:1px solid var(--border);
  border-radius:12px;
  background:#fff;
  font-weight:900;
  text-decoration:none !important;
  color:var(--ink);
}
#vpcl-dscr-article .vpcl-toc-list a:hover{
  border-color:rgba(176,134,47,.55);
  text-decoration:none !important;
}
#vpcl-dscr-article .vpcl-toc-list a:focus{
  outline:none;
  box-shadow:0 0 0 3px rgba(200,156,57,.22);
}

@media (min-width: 981px){
  #vpcl-dscr-article .vpcl-toc-inner{
    position:sticky;
    top:14px;
    z-index:2;
  }
}

/* =========================
   Cards + Grids
========================= */
#vpcl-dscr-article .vpcl-grid-2{
  display:grid;
  grid-template-columns:repeat(2, minmax(0,1fr));
  gap:14px;
  margin-top:16px;
}

#vpcl-dscr-article .vpcl-card{
  background:#fff;
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:16px;
  box-shadow:var(--shadow-sm);
  margin:14px 0 22px;
}

#vpcl-dscr-article .vpcl-card + .vpcl-h3,
#vpcl-dscr-article .vpcl-card + h3,
#vpcl-dscr-article .vpcl-card + .vpcl-h2,
#vpcl-dscr-article .vpcl-card + h2{
  margin-top:24px;
}

/* =========================
   Lists
========================= */
#vpcl-dscr-article ul.vpcl-list{
  padding-left:22px;
  list-style:disc !important;
  margin:12px 0 18px;
}
#vpcl-dscr-article ul.vpcl-list li{
  margin:8px 0;
  line-height:1.65;
}
#vpcl-dscr-article ul.vpcl-list li::marker{
  color:rgba(200,156,57,.95);
  font-size:1.05em;
}

#vpcl-dscr-article ol.vpcl-ol{
  padding-left:18px;
  list-style:decimal !important;
  margin:12px 0 18px;
}
#vpcl-dscr-article ol.vpcl-ol li{
  margin:10px 0;
  line-height:1.7;
}
#vpcl-dscr-article ol.vpcl-ol li::marker{
  color:rgba(200,156,57,.95);
  font-weight:900;
}

#vpcl-dscr-article ul.vpcl-list + .vpcl-h3,
#vpcl-dscr-article ul.vpcl-list + h3{
  margin-top:30px;
}

#vpcl-dscr-article ul.vpcl-list + .vpcl-callout{
  margin-top:18px;
}

/* =========================
   Section rhythm
========================= */
#vpcl-dscr-article .vpcl-callout{ margin-bottom:26px; }
#vpcl-dscr-article .vpcl-math{ margin-bottom:28px; }
#vpcl-dscr-article .vpcl-example-grid{ margin-bottom:30px; }
#vpcl-dscr-article .vpcl-two-col{ margin-bottom:30px; }
#vpcl-dscr-article .vpcl-compare{ margin-bottom:30px; }

/* =========================
   Math block styling
========================= */
#vpcl-dscr-article .vpcl-math-eq{
  margin:6px 0 10px;
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  gap:12px;
  font-weight:900;
  color:var(--ink);
}

#vpcl-dscr-article .vpcl-math-pill{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:7px 10px;
  border-radius:999px;
  border:1px solid rgba(200,156,57,.25);
  background:rgba(200,156,57,.16);
}

#vpcl-dscr-article .vpcl-math-symbol{ font-size:22px; }

#vpcl-dscr-article .vpcl-math-frac{
  display:inline-grid;
  grid-template-rows:auto 2px auto;
  align-items:center;
  min-width:260px;
}

#vpcl-dscr-article .vpcl-math-top,
#vpcl-dscr-article .vpcl-math-bot{
  text-align:center;
}

#vpcl-dscr-article .vpcl-math-bar{
  width:100%;
  height:2px;
  background:rgba(11,18,32,.18);
  border-radius:2px;
}

/* =========================
   Callouts
========================= */
#vpcl-dscr-article .vpcl-callout{
  margin-top:16px;
  border-radius:var(--radius-xl);
  padding:14px 16px;
  border:1px solid var(--border);
  box-shadow:var(--shadow-sm);
  background:linear-gradient(180deg, #fff, #fafafa);
}
#vpcl-dscr-article .vpcl-callout p{ margin:0; }

#vpcl-dscr-article .vpcl-callout-title{ margin:0 0 6px 0; }
#vpcl-dscr-article .vpcl-callout-text{ margin:0; }

#vpcl-dscr-article .vpcl-callout-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:14px;
  flex-wrap:wrap;
}

#vpcl-dscr-article .vpcl-callout-warning{ border-color:rgba(245,158,11,.28); }
#vpcl-dscr-article .vpcl-callout-note{ border-color:rgba(99,102,241,.18); }
#vpcl-dscr-article .vpcl-callout-cta{
  background:linear-gradient(180deg, #fff, rgba(200,156,57,.08));
  border-color:rgba(200,156,57,.35);
}

/* =========================
   Checklist block
========================= */
#vpcl-dscr-article .vpcl-checklist-block{
  margin-top:16px;
  border:1px solid var(--border);
  border-radius:var(--radius-xl);
  background:linear-gradient(180deg, #fff, rgba(248,250,252,.92));
  box-shadow:var(--shadow-sm);
  padding:16px;
}

#vpcl-dscr-article .vpcl-checklist-list{
  list-style:none;
  margin:0 0 14px 0;
  padding:0;
  display:flex;
  flex-direction:column;
  gap:10px;
}

#vpcl-dscr-article .vpcl-checklist-list li{
  position:relative;
  padding:10px 12px 10px 44px;
  border:1px solid rgba(15,23,42,.08);
  border-radius:14px;
  background:#fff;
  box-shadow:0 6px 14px rgba(15,23,42,.05);
  line-height:1.65;
  width:100%;
}

#vpcl-dscr-article .vpcl-checklist-list li::before{
  content:"✓";
  position:absolute;
  left:12px;
  top:12px;
  width:22px;
  height:22px;
  border-radius:999px;
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight:900;
  background:rgba(34,197,94,.14);
  color:#166534;
}

/* =========================
   Steps
========================= */
#vpcl-dscr-article .vpcl-steps{
  display:flex;
  flex-direction:column;
  gap:12px;
  margin-top:16px;
}

#vpcl-dscr-article .vpcl-step{
  display:flex;
  gap:12px;
  align-items:flex-start;
  padding:14px 16px;
  border-radius:var(--radius-lg);
  border:1px solid var(--border);
  background:#fff;
  box-shadow:var(--shadow-sm);
}

#vpcl-dscr-article .vpcl-step-num{
  margin:0;
  width:34px;
  height:34px;
  border-radius:999px;
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight:900;
  background:rgba(200,156,57,.18);
  color:var(--ink);
  flex:0 0 34px;
}

#vpcl-dscr-article .vpcl-step > div{
  padding-top:0;
  margin-top: 4px;
}

/* =========================
   Supporting Image Break
========================= */
#vpcl-dscr-article .vpcl-article-image-break{
  max-width:740px;
  margin:22px auto 34px;
}
#vpcl-dscr-article .vpcl-article-image-break figure{
  width:100%;
  margin:0 auto;
  border-radius:22px;
  overflow:hidden;
  background:rgba(255,255,255,.9);
  border:1px solid var(--border);
  box-shadow:var(--shadow-xl);
  position:relative;
}
#vpcl-dscr-article .vpcl-article-image-break figure::before{
  content:"";
  position:absolute;
  inset:-2px;
  border-radius:24px;
  padding:1px;
  background:linear-gradient(135deg, rgba(200,156,57,.55), rgba(176,134,47,.20), rgba(18,24,38,.18));
  -webkit-mask:linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
  -webkit-mask-composite:xor;
  mask-composite:exclude;
  pointer-events:none;
  opacity:.78;
}
#vpcl-dscr-article .vpcl-article-image-break img{
  width:100%;
  height:auto;
  display:block;
  transform:scale(1.001);
}
#vpcl-dscr-article .vpcl-article-image-break figcaption{
  padding:10px 14px 12px;
  font-size:14px;
  line-height:1.55;
  color:var(--muted);
  background:linear-gradient(180deg, rgba(255,255,255,.85), rgba(0,0,0,.03));
}

/* =========================
   CTA Banner
========================= */
#vpcl-dscr-article .vpcl-cta-banner{
  margin-top:18px;
  border-radius:var(--radius-xl);
  border:1px solid rgba(200,156,57,.38);
  background:linear-gradient(180deg, #fff, rgba(200,156,57,.10));
  box-shadow:var(--shadow-md);
  padding:16px;
}
#vpcl-dscr-article .vpcl-cta-banner-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:14px;
  flex-wrap:wrap;
}
#vpcl-dscr-article .vpcl-cta-banner-actions{
  display:flex;
  gap:10px;
  flex-wrap:wrap;
}

/* =========================
   FAQ Accordion
========================= */
#vpcl-dscr-article .vpcl-accordion{
  margin-top:14px;
  display:flex;
  flex-direction:column;
  gap:10px;
}
#vpcl-dscr-article .vpcl-acc-item{
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  background:#fff;
  box-shadow:var(--shadow-sm);
  overflow:hidden;
}
#vpcl-dscr-article .vpcl-acc-q{
  cursor:pointer;
  padding:14px 16px;
  font-weight:900;
  color:var(--ink);
  list-style:none;
}
#vpcl-dscr-article details summary::-webkit-details-marker{ display:none; }
#vpcl-dscr-article .vpcl-acc-a{
  padding:0 16px 14px 16px;
  color:var(--text);
}
#vpcl-dscr-article details[open] .vpcl-acc-q{
  border-bottom:1px solid var(--border);
}

/* =========================
   Disclaimer
========================= */
#vpcl-dscr-article .vpcl-disclaimer{ border-bottom:none; padding-bottom:12px; }
#vpcl-dscr-article .vpcl-disclaimer-text{
  font-size:13px;
  line-height:1.6;
  color:var(--muted);
  margin:14px 0 0;
}

/* =========================
   Responsive
========================= */
@media (max-width: 980px){
  #vpcl-dscr-article{ padding:0 16px; }
  #vpcl-dscr-article .vpcl-hero-cards{ grid-template-columns:1fr; }
}

@media (max-width: 860px){
  #vpcl-dscr-article .vpcl-grid-2{ grid-template-columns:1fr; }
  #vpcl-dscr-article .vpcl-toc-list{ grid-template-columns:1fr; }
  #vpcl-dscr-article .vpcl-hero-cta{ gap:10px; }
}

@media (max-width: 520px){
  #vpcl-dscr-article{ padding:0 14px; }

  #vpcl-dscr-article .vpcl-hero-cta{
    gap:10px;
    margin:12px 0 10px;
  }

  #vpcl-dscr-article a.vpcl-btn{
    width:100%;
    justify-content:center;
    text-align:center;
    padding:12px 14px;
  }

  #vpcl-dscr-article .vpcl-checklist-block{
    padding-left:16px;
    padding-right:16px;
  }

  #vpcl-dscr-article .vpcl-checklist-list{
    margin:0 0 16px 0;
    gap:10px;
  }

  #vpcl-dscr-article .vpcl-checklist-list li{
    padding:12px 12px 12px 46px;
    border-radius:16px;
  }
  #vpcl-dscr-article .vpcl-checklist-list li::before{
    left:14px;
    top:14px;
  }

  #vpcl-dscr-article .vpcl-callout-inner{
    flex-direction:column;
    align-items:flex-start;
  }

  #vpcl-dscr-article .vpcl-cta-banner-actions{ width:100%; }
  #vpcl-dscr-article .vpcl-cta-banner-actions a.vpcl-btn{ width:100%; }
}/* End custom CSS */