/* ============================================================
   LoanNow.co.za — Main stylesheet
   Design: "Warm & Friendly" (toned-down) — teal + orange + sun
   Friendly and approachable, but professional enough for finance.
   ============================================================ */

:root {
  --teal: #00897b;
  --teal-dark: #00695c;
  --teal-light: #e0f2f1;
  --orange: #ff7043;
  --orange-dark: #f4511e;
  --sun: #ffb300;
  --cream: #fffaf3;
  --ink: #2f3430;
  --navy: #2f3430;            /* alias — headings */
  --text: #3c423d;
  --text-muted: #757a72;
  --line: #efe6d9;
  --card-shadow: 0 6px 24px rgba(63, 50, 30, 0.08);
  --card-shadow-lg: 0 16px 44px rgba(63, 50, 30, 0.14);
  --radius: 18px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

body { overflow-x: hidden; }
img { max-width: 100%; height: auto; }

/* ============ Icon system (icons.svg sprite) ============ */
.icon {
  display: inline-block;
  width: 1em; height: 1em;
  stroke: currentColor; fill: none;
  stroke-width: 2; stroke-linecap: round; stroke-linejoin: round;
  vertical-align: -0.125em;
  flex-shrink: 0;
}
.icon-fill { fill: currentColor; stroke: none; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Nunito', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--text);
  background: var(--cream);
  line-height: 1.65;
  font-size: 16px;
}

.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 20px;
}

h1, h2, h3 { line-height: 1.25; color: var(--ink); }

/* ============ Buttons ============ */
.btn {
  display: inline-block;
  border: none;
  border-radius: 999px;
  font-family: inherit;
  font-weight: 800;
  cursor: pointer;
  text-decoration: none;
  text-align: center;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn-cta {
  background: var(--orange);
  color: #fff;
  padding: 16px 34px;
  font-size: 17px;
  box-shadow: 0 4px 0 var(--orange-dark), 0 8px 20px rgba(255, 112, 67, .3);
}
.btn-cta:hover {
  transform: translateY(2px);
  box-shadow: 0 2px 0 var(--orange-dark), 0 5px 14px rgba(255, 112, 67, .3);
}
.btn-sm { padding: 11px 24px; font-size: 15px; }
.btn-lg { padding: 18px 44px; font-size: 19px; }
.btn-block { display: block; width: 100%; }
.btn-link {
  background: none; border: none; color: var(--text-muted);
  font-family: inherit; font-size: 14px; font-weight: 700; cursor: pointer;
  display: block; margin: 12px auto 0; text-decoration: underline;
}

/* ============ Header ============ */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 250, 243, .93);
  backdrop-filter: blur(10px);
  border-bottom: 1.5px solid var(--line);
}
.header-inner {
  display: flex; align-items: center; gap: 28px;
  height: 72px;
}
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; flex-shrink: 0; }
.logo-mark {
  width: 44px; height: 44px; border-radius: 50%;
  background: linear-gradient(135deg, #0aa47a, var(--teal-dark));
  color: #fff; font-weight: 900; font-size: 22px;
  display: flex; align-items: center; justify-content: center;
  box-shadow: inset 0 0 0 3px rgba(255, 255, 255, .5), 0 4px 10px rgba(0, 105, 92, .3);
}
.logo-text { font-size: 23px; font-weight: 700; color: var(--ink); }
.logo-text strong { color: var(--teal); font-weight: 900; }
.logo-tld { font-size: 13px; color: var(--text-muted); font-weight: 600; }

.main-nav { display: flex; gap: 26px; margin-left: auto; }
.main-nav a {
  color: var(--text); text-decoration: none; font-weight: 700; font-size: 15px;
}
.main-nav a:hover { color: var(--teal); }
.header-cta { white-space: nowrap; }

.nav-toggle {
  display: none; background: none; border: none; cursor: pointer;
  padding: 10px; margin: -4px; /* 44px tap target */
  -webkit-tap-highlight-color: transparent;
}
.nav-toggle span {
  display: block; width: 24px; height: 3px; margin: 4px 0;
  background: var(--ink); border-radius: 2px; transition: .2s;
}

/* ============ Hero ============ */
.hero {
  position: relative;
  padding: 60px 0 76px;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  width: 460px; height: 460px; border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 179, 0, .18), transparent 70%);
  top: -140px; right: -100px;
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute;
  width: 380px; height: 380px; border-radius: 50%;
  background: radial-gradient(circle, rgba(0, 137, 123, .10), transparent 70%);
  bottom: -180px; left: -120px;
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-badge {
  display: inline-block;
  background: #fff;
  border: 1.5px solid var(--line);
  border-radius: 999px;
  padding: 8px 18px;
  font-size: 14px; font-weight: 800;
  color: var(--orange);
  margin-bottom: 20px;
  box-shadow: var(--card-shadow);
}
.hero h1 {
  font-size: 46px;
  font-weight: 900;
  margin-bottom: 16px;
}
.hero .accent { color: var(--teal); position: relative; }
.hero .accent::after {
  content: "";
  position: absolute; left: 0; right: 0; bottom: 5px;
  height: 10px; border-radius: 5px;
  background: rgba(255, 179, 0, .35);
  z-index: -1;
}
.hero-sub { font-size: 18px; color: var(--text-muted); font-weight: 600; margin-bottom: 22px; max-width: 480px; }
.hero-checks { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 11px 18px; margin-bottom: 26px; }
.hero-checks li { font-size: 15px; font-weight: 700; color: var(--ink); display: flex; align-items: center; gap: 9px; }
.hero-checks .icon { width: 18px; height: 18px; color: var(--teal); stroke-width: 3; }
.hero-badge .icon { width: 15px; height: 15px; margin-right: 4px; }
.form-secure .icon { width: 13px; height: 13px; margin-right: 4px; }
.hero-stats { display: flex; gap: 14px; margin-bottom: 24px; }
.stat {
  flex: 1;
  background: #fff; border: 1.5px solid var(--line); border-radius: 14px;
  padding: 13px 10px; text-align: center;
  box-shadow: var(--card-shadow);
}
.stat strong { display: block; font-size: 23px; font-weight: 900; color: var(--teal); }
.stat span { font-size: 12.5px; color: var(--text-muted); font-weight: 600; }

/* social proof row */
.happy {
  display: flex; align-items: center; gap: 14px;
  background: #fff; border: 1.5px solid var(--line);
  border-radius: 16px; padding: 13px 18px;
  max-width: 430px;
  box-shadow: var(--card-shadow);
}
.havs { display: flex; }
.hav {
  width: 38px; height: 38px; border-radius: 50%;
  border: 3px solid #fff; margin-left: -10px;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; color: #fff; font-size: 14px;
}
.hav:first-child { margin-left: 0; }
.happy p { font-size: 13.5px; font-weight: 700; color: var(--text); line-height: 1.45; }
.happy p strong { color: var(--teal); }

/* ============ Form card ============ */
.form-card {
  background: #fff;
  border: 1.5px solid var(--line);
  border-radius: 24px;
  box-shadow: var(--card-shadow-lg);
  padding: 32px 30px 26px;
  color: var(--text);
  position: relative;
  overflow: hidden;
}
.form-title { font-size: 23px; font-weight: 900; margin: 8px 0 22px; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

.slider-group { margin-bottom: 24px; }
.slider-labels { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 10px; }
.slider-labels label { font-weight: 800; font-size: 14px; color: var(--text-muted); }
.slider-value { font-size: 24px; font-weight: 900; color: var(--orange); }
.slider-minmax { display: flex; justify-content: space-between; font-size: 12.5px; font-weight: 700; color: var(--text-muted); margin-top: 5px; }

input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 10px; border-radius: 6px;
  background: linear-gradient(90deg, var(--teal) var(--fill, 50%), var(--teal-light) var(--fill, 50%));
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--sun); border: 4px solid #fff;
  box-shadow: 0 2px 8px rgba(63, 50, 30, .3);
  cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 24px; height: 24px; border-radius: 50%;
  background: var(--sun); border: 4px solid #fff;
  box-shadow: 0 2px 8px rgba(63, 50, 30, .3);
  cursor: pointer;
}

.estimate-box {
  background: var(--teal-light);
  border: 1.5px dashed var(--teal);
  border-radius: 14px;
  padding: 15px 17px;
  margin-bottom: 22px;
}
.estimate-row { display: flex; justify-content: space-between; font-size: 15px; font-weight: 700; }
.estimate-row strong { color: var(--teal-dark); font-size: 18px; font-weight: 900; }
.estimate-row.muted { color: var(--text-muted); font-size: 13px; margin-top: 2px; font-weight: 600; }
.estimate-note { font-size: 11.5px; color: var(--text-muted); font-weight: 600; margin-top: 8px; line-height: 1.5; }

.field-group { margin-bottom: 16px; }
/* inside a 2-col row the groups get their spacing from the row gap instead */
.field-row .field-group { margin-bottom: 0; }
.field-group label { display: block; font-weight: 800; font-size: 13.5px; margin-bottom: 5px; color: var(--ink); }
.field-group select,
.field-group input {
  width: 100%; padding: 12px 14px;
  border: 1.5px solid var(--line); border-radius: 12px;
  font-family: inherit; font-size: 15px; font-weight: 600; color: var(--text);
  background: var(--cream);
}
.field-group select { cursor: pointer; }
.field-group select:focus,
.field-group input:focus { border-color: var(--teal); outline: none; background: #fff; }
.field-group input::placeholder { color: #b3ada2; font-weight: 500; }
/* invalid state after submit attempt */
.field-group input.err, .field-group select.err { border-color: var(--orange); background: #fdf3ef; }

/* two-column rows inside modal */
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 14px; margin-bottom: 16px; }

/* consent checkbox */
.consent { display: flex; align-items: flex-start; gap: 9px; margin: 0; font-size: 12.5px; font-weight: 600; color: var(--text-muted); line-height: 1.45; cursor: pointer; }
.consent input { width: 18px; height: 18px; margin-top: 1px; flex-shrink: 0; accent-color: var(--teal); }
.consent a { color: var(--teal-dark); font-weight: 700; }
.consent.err span { color: var(--orange-dark); }

.form-secure { text-align: center; font-size: 12.5px; font-weight: 700; color: var(--text-muted); margin-top: 14px; }
/* required-field marker */
.req { color: var(--orange); font-weight: 900; }
.opt { color: var(--text-muted); font-weight: 600; font-size: 12px; }

/* ============ Details modal ============ */
.modal-overlay {
  position: fixed; inset: 0; z-index: 180;
  background: rgba(47, 52, 48, .6);
  backdrop-filter: blur(3px);
  display: none;
  align-items: center; justify-content: center;   /* modal fixed & centred */
  padding: 20px;
}
.modal-overlay.active { display: flex; }
.modal-box {
  background: #fff; border-radius: 24px;
  padding: 30px 30px 24px;
  max-width: 500px; width: 100%;
  max-height: calc(100vh - 40px);   /* never taller than the screen */
  overflow-y: auto;                 /* scroll INSIDE the modal only */
  -webkit-overflow-scrolling: touch;
  position: relative;
  box-shadow: var(--card-shadow-lg);
  animation: modalPop .28s cubic-bezier(.2,.8,.3,1);
  scrollbar-width: none;            /* Firefox — hide scrollbar */
  -ms-overflow-style: none;         /* old Edge/IE */
}
.modal-box::-webkit-scrollbar { width: 0; height: 0; display: none; } /* Chrome/Safari */
@keyframes modalPop {
  from { opacity: 0; transform: translateY(14px) scale(.97); }
  to { opacity: 1; transform: none; }
}

/* modal header */
.modal-head { text-align: center; margin-bottom: 26px; padding-bottom: 22px; border-bottom: 1.5px solid var(--line); }
.modal-sub { line-height: 1.5; max-width: 400px; margin: 0 auto; }
.modal-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--teal-light); color: var(--teal-dark);
  font-size: 12px; font-weight: 800; letter-spacing: .3px;
  padding: 5px 13px; border-radius: 999px; margin-bottom: 12px;
}
.modal-badge .icon { width: 14px; height: 14px; }
.modal-box .form-title { margin: 0 0 6px; font-size: 22px; }
.modal-sub { font-size: 13.5px; font-weight: 600; color: var(--text-muted); margin: 0; }

/* consent group */
.consent-group { display: grid; gap: 10px; margin: 6px 0 16px; padding: 14px 16px; background: var(--cream); border-radius: 14px; }
.form-req-note { text-align: center; font-size: 12px; font-weight: 700; color: var(--text-muted); margin-top: 8px; }
.form-req-note .req { margin-right: 3px; }
.modal-close {
  position: sticky; top: 0; float: right;
  margin: -8px -8px 0 0;
  width: 38px; height: 38px; border-radius: 50%;
  border: none; background: var(--cream);
  color: var(--text-muted); font-size: 17px; font-weight: 800;
  cursor: pointer; line-height: 1; z-index: 3;
  transition: background .15s, color .15s;
}
.modal-close:hover { background: var(--teal-light); color: var(--teal-dark); }

/* ============ Loading overlay ============ */
.loading-overlay {
  position: fixed; inset: 0; z-index: 200;
  background: rgba(47, 52, 48, .82);
  backdrop-filter: blur(4px);
  display: none;
  align-items: center; justify-content: center;
  padding: 20px;
}
.loading-overlay.active { display: flex; }
.loading-box {
  background: #fff; border-radius: 24px;
  padding: 44px 40px; text-align: center;
  max-width: 420px; width: 100%;
  box-shadow: var(--card-shadow-lg);
  animation: fadeIn .3s ease;
}
.loading-spinner {
  position: relative;
  width: 72px; height: 72px; margin: 0 auto 22px;
}
.loading-spinner::before {
  content: ""; position: absolute; inset: 0;
  border: 5px solid var(--teal-light);
  border-top-color: var(--teal);
  border-radius: 50%;
  animation: spin .9s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }
.loading-count {
  position: absolute; inset: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: 30px; font-weight: 900; color: var(--teal-dark);
  line-height: 1;
}
.loading-count.tick { animation: countPop .3s ease; }
@keyframes countPop {
  0% { transform: scale(1.5); opacity: .4; }
  100% { transform: scale(1); opacity: 1; }
}
.loading-box h3 { font-size: 21px; font-weight: 900; margin-bottom: 8px; }
.loading-box p { color: var(--text-muted); font-weight: 600; font-size: 14px; min-height: 22px; }
.loading-track {
  height: 10px; border-radius: 6px; background: var(--teal-light);
  margin-top: 20px; overflow: hidden;
}
.loading-fill {
  height: 100%; width: 0%;
  background: linear-gradient(90deg, var(--teal), #26a69a);
  border-radius: 6px;
  transition: width .4s ease;
}

/* ============ Sections (shared) ============ */
section { padding: 72px 0; }
.section-head { text-align: center; max-width: 660px; margin: 0 auto 44px; }
.section-head h2 { font-size: 33px; font-weight: 900; margin-bottom: 10px; }
.section-head p { color: var(--text-muted); font-weight: 600; font-size: 17px; }

/* ============ Offers ============ */
.offers-section {
  background: linear-gradient(180deg, #fff, var(--cream));
  border-top: 1.5px solid var(--line);
  border-bottom: 1.5px solid var(--line);
  scroll-margin-top: 80px;
}
.offers-list { display: grid; gap: 22px; max-width: 820px; margin: 0 auto; }

.offer-card {
  background: #fff;
  border: 1.5px solid var(--line);
  border-radius: 20px;
  padding: 24px 26px 22px;
  position: relative;
  box-shadow: var(--card-shadow);
  transition: transform .2s, box-shadow .2s, border-color .2s;
  animation: fadeIn .4s ease both;
}
.offer-card:hover { transform: translateY(-4px); box-shadow: var(--card-shadow-lg); border-color: #c4ecd9; }
.offer-card.best {
  border-color: var(--orange);
  box-shadow: 0 14px 36px rgba(255, 112, 67, .18);
}

/* Best-match ribbon */
.offer-ribbon {
  position: absolute; top: -13px; left: 24px;
  display: inline-flex; align-items: center; gap: 5px;
  background: linear-gradient(135deg, var(--sun), #ff9e1b);
  color: #3a2a00;
  font-size: 12px; font-weight: 900; letter-spacing: .3px;
  padding: 5px 15px; border-radius: 999px;
  box-shadow: 0 4px 10px rgba(63, 50, 30, .22);
}
.offer-ribbon .icon { width: 13px; height: 13px; }

/* Header: logo + title + rating */
.offer-head { display: flex; align-items: flex-start; gap: 16px; margin-bottom: 18px; }
.offer-logo {
  width: 124px; height: 72px; border-radius: 14px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  background: #fff; border: 1.5px solid var(--line);
  overflow: hidden;
  font-weight: 900; font-size: 26px; color: #fff; line-height: 1;
}
.offer-logo.is-fallback { border: none; }
.offer-logo img { width: 100%; height: 100%; object-fit: contain; padding: 6px 12px; box-sizing: border-box; }
.offer-title { flex: 1; min-width: 0; }
.offer-title h3 { font-size: 20px; font-weight: 900; margin-bottom: 1px; }
.offer-usp { font-size: 13.5px; font-weight: 700; color: var(--orange-dark); margin-bottom: 7px; }

/* Star rating + reviews */
.offer-rating { display: flex; align-items: center; gap: 3px; }
.offer-rating .star { width: 16px; height: 16px; color: #d9d2c4; fill: currentColor; stroke: none; }
.offer-rating .star.on { color: var(--sun); }
.offer-rating .star.half { color: var(--sun); clip-path: inset(0 50% 0 0); }
.offer-rating b { font-size: 14px; font-weight: 900; color: var(--ink); margin-left: 5px; }
.offer-reviews { font-size: 12.5px; font-weight: 600; color: var(--text-muted); margin-left: 6px; }
.offer-reviews::before { content: "· "; }

/* Spec grid — the key comparison data */
.offer-specs {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 1px; background: var(--line);
  border: 1.5px solid var(--line); border-radius: 14px; overflow: hidden;
  margin-bottom: 16px;
}
.spec { background: var(--cream); padding: 12px 14px; }
.spec-label {
  display: block; font-size: 11px; font-weight: 800; letter-spacing: .3px;
  text-transform: uppercase; color: var(--text-muted); margin-bottom: 3px;
}
.spec-value { display: block; font-size: 15px; font-weight: 900; color: var(--ink); line-height: 1.25; }
.spec-hl { background: var(--teal-light); }
.spec-hl .spec-value { color: var(--teal-dark); }
.spec-warn { background: #fdf3e3; }
.spec-warn .spec-value { color: #a86500; }

/* Tags */
.offer-tags { display: flex; flex-wrap: wrap; gap: 7px; margin-bottom: 14px; }
.offer-tag {
  font-size: 12px; font-weight: 800;
  background: var(--teal-light); color: var(--teal-dark);
  border-radius: 999px; padding: 4px 12px;
}
.offer-tag-age { background: #eef1f6; color: #45526b; }
.offer-tag-warn { background: #fdf1dc; color: #a86500; }

/* Qualify note */
.offer-note {
  display: flex; align-items: center; gap: 8px;
  background: #fdf3e3; border: 1px solid #f7d9b0; border-radius: 12px;
  padding: 10px 14px; margin-bottom: 14px;
  font-size: 13px; font-weight: 700; color: #7a4e12;
}
.offer-note .icon { width: 16px; height: 16px; flex-shrink: 0; }

/* Footer: trust + apply */
.offer-foot {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  padding-top: 16px; border-top: 1px solid var(--line);
}
.offer-trust {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: 13px; font-weight: 700; color: var(--text-muted);
}
.offer-trust .icon { width: 17px; height: 17px; color: var(--teal); }
.offer-apply { padding: 12px 30px; font-size: 15.5px; white-space: nowrap; }

.offers-disclaimer {
  max-width: 800px; margin: 30px auto 0;
  font-size: 12.5px; font-weight: 600; color: var(--text-muted); text-align: center; line-height: 1.6;
}

/* ============ How it works ============ */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step-card {
  background: #fff; border: 1.5px solid var(--line); border-radius: 20px;
  padding: 34px 28px; text-align: center;
  box-shadow: var(--card-shadow);
  transition: transform .2s, box-shadow .2s;
}
.step-card:hover { transform: translateY(-4px); box-shadow: var(--card-shadow-lg); }
.step-num {
  width: 52px; height: 52px; margin: 0 auto 16px;
  background: var(--teal);
  color: #fff; font-size: 23px; font-weight: 900;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 3px 0 var(--teal-dark);
}
.step-card h3 { font-size: 18.5px; font-weight: 900; margin-bottom: 8px; }
.step-card p { font-size: 14.5px; font-weight: 600; color: var(--text-muted); }

/* ============ Loan types ============ */
.types-section { background: #fff; border-top: 1.5px solid var(--line); border-bottom: 1.5px solid var(--line); }
.types-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.type-card {
  background: var(--cream); border-radius: 20px; padding: 28px 22px;
  border: 1.5px solid var(--line);
  transition: transform .2s, box-shadow .2s;
}
.type-card:hover { transform: translateY(-4px); box-shadow: var(--card-shadow); }
.type-icon {
  width: 56px; height: 56px;
  background: var(--teal-light); border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 14px;
}
.type-icon .icon { width: 26px; height: 26px; color: var(--teal-dark); }
.type-card h3 { font-size: 17.5px; font-weight: 900; margin-bottom: 4px; }
.type-range { color: var(--orange); font-weight: 900; font-size: 14px; margin-bottom: 8px; }
.type-card > p:not(.type-range) { font-size: 14px; font-weight: 600; color: var(--text-muted); margin-bottom: 14px; }
.type-link { color: var(--teal-dark); font-weight: 900; font-size: 14px; text-decoration: none; }
.type-link:hover { text-decoration: underline; }

/* ============ Why us ============ */
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; }
.why-item { text-align: center; padding: 0 8px; }
.why-icon {
  width: 62px; height: 62px; margin: 0 auto 14px;
  background: #fff; border: 1.5px solid var(--line); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--card-shadow);
}
.why-icon .icon { width: 27px; height: 27px; color: var(--teal-dark); }
.why-item h3 { font-size: 17px; font-weight: 900; margin-bottom: 6px; }
.why-item p { font-size: 14px; font-weight: 600; color: var(--text-muted); }

/* ============ Testimonials ============ */
.reviews-section {
  background:
    radial-gradient(680px 340px at 88% -10%, rgba(255,255,255,.10), transparent 60%),
    var(--teal);
}
.reviews-section .section-head h2 { color: #fff; }
.reviews-section .section-head p { color: rgba(255, 255, 255, .85); }
.reviews-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }

.reviews-grid .review-card {
  position: relative;
  background: #fff; border-radius: 20px; padding: 44px 24px 22px;
  display: flex; flex-direction: column;
  box-shadow: 0 10px 30px rgba(0, 40, 34, .18);
  transition: transform .2s, box-shadow .2s;
}
.reviews-grid .review-card:hover { transform: translateY(-5px); box-shadow: 0 18px 44px rgba(0, 40, 34, .26); }
/* big decorative opening quote */
.reviews-grid .review-card::before {
  content: "\201C";
  position: absolute; top: 6px; left: 20px;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 76px; line-height: 1; color: var(--teal-light);
  z-index: 0;
}
.review-stars { display: flex; justify-content: flex-start; gap: 2px; margin-bottom: 12px; position: relative; z-index: 1; }
.review-stars .star { width: 17px; height: 17px; color: var(--sun); fill: currentColor; stroke: none; }
.review-text {
  font-size: 14.5px; font-weight: 600; color: var(--text); line-height: 1.6;
  flex: 1; margin-bottom: 20px; position: relative; z-index: 1;
}
.review-author {
  display: flex; align-items: center; gap: 11px;
  padding-top: 16px; border-top: 1px solid var(--line);
}
.review-avatar {
  width: 42px; height: 42px; border-radius: 50%; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 900; font-size: 17px; line-height: 1;
}
.review-who { display: flex; flex-direction: column; gap: 2px; min-width: 0; flex: 1; }
.review-who strong { font-size: 14.5px; font-weight: 900; color: var(--ink); }
.review-loc { display: inline-flex; align-items: center; gap: 4px; font-size: 12px; font-weight: 700; color: var(--text-muted); }
.review-loc .icon { width: 12px; height: 12px; color: var(--teal); }
.review-verified {
  width: 24px; height: 24px; border-radius: 50%; flex-shrink: 0;
  background: var(--teal-light); color: var(--teal-dark);
  display: flex; align-items: center; justify-content: center;
}
.review-verified .icon { width: 14px; height: 14px; }

/* ============ Compliance ============ */
.compliance-grid { display: grid; grid-template-columns: 1.4fr 0.6fr; gap: 48px; align-items: center; }
.compliance-section h2 { font-size: 28px; font-weight: 900; margin-bottom: 14px; }
.compliance-section p { color: var(--text-muted); font-weight: 600; margin-bottom: 18px; }
.compliance-list { list-style: none; display: grid; gap: 12px; }
.compliance-list li {
  padding-left: 30px; position: relative; font-size: 15px; font-weight: 600; color: var(--text);
}
.compliance-list li::before {
  content: ""; position: absolute; left: 0; top: 1px;
  width: 21px; height: 21px;
  background-color: var(--teal-light);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300695c' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: center; background-size: 11px;
  border-radius: 50%;
}
.compliance-badges { display: grid; gap: 14px; }
.badge-card {
  background: #fff; border: 1.5px solid var(--line);
  border-radius: 14px; padding: 16px 20px;
  font-weight: 900; font-size: 15px; color: var(--teal-dark);
  text-align: center;
  box-shadow: var(--card-shadow);
  display: flex; align-items: center; justify-content: center; gap: 9px;
}
.badge-card .icon { width: 20px; height: 20px; }

/* ============ FAQ ============ */
.faq-section { background: #fff; border-top: 1.5px solid var(--line); }
.faq-list { max-width: 760px; margin: 0 auto; display: grid; gap: 13px; }
.faq-item {
  background: var(--cream); border: 1.5px solid var(--line); border-radius: 16px;
  padding: 0 22px;
  transition: box-shadow .2s;
}
.faq-item[open] { background: #fff; box-shadow: var(--card-shadow); }
.faq-item summary {
  cursor: pointer; font-weight: 800; font-size: 16px; color: var(--ink);
  padding: 18px 0; list-style: none; position: relative; padding-right: 36px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; position: absolute; right: 4px; top: 50%; transform: translateY(-50%);
  width: 26px; height: 26px;
  background: var(--teal-light); color: var(--teal-dark);
  border-radius: 50%; font-size: 18px; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.faq-item[open] summary::after { content: "–"; }
.faq-item p { padding: 0 0 18px; color: var(--text-muted); font-weight: 600; font-size: 15px; }

/* ============ Bottom CTA ============ */
.bottom-cta {
  background: var(--orange);
  text-align: center; color: #fff;
  border-radius: 28px;
  max-width: 1100px;
  margin: 0 auto 72px;
  padding: 60px 24px;
  box-shadow: 0 16px 40px rgba(255, 112, 67, .3);
}
.bottom-cta h2 { color: #fff; font-size: 31px; font-weight: 900; margin-bottom: 10px; }
.bottom-cta p { color: rgba(255, 255, 255, .92); font-weight: 700; margin-bottom: 26px; font-size: 17px; }
.bottom-cta .btn-cta {
  background: #fff; color: var(--orange-dark);
  box-shadow: 0 4px 0 rgba(0, 0, 0, .2);
}
.bottom-cta .btn-cta:hover { box-shadow: 0 2px 0 rgba(0, 0, 0, .2); }

/* ============ Footer ============ */
.site-footer { background: var(--ink); color: #b9beb2; padding: 56px 0 32px; }
.footer-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 36px; margin-bottom: 36px;
}
.footer-about p { font-size: 14px; font-weight: 600; margin-top: 14px; max-width: 300px; }
.footer-col a.logo-footer { display: inline-flex; align-items: center; flex-wrap: nowrap; gap: 9px; margin-bottom: 0; }
.logo-footer .logo-mark { width: 38px; height: 38px; font-size: 18px; }
.logo-footer .logo-text { color: #fff; white-space: nowrap; font-size: 20px; }
.logo-footer .logo-text strong { color: #4db6ac; }
.logo-footer .logo-tld { font-size: 11px; }
.footer-col h4 { color: #fff; font-size: 15px; font-weight: 900; margin-bottom: 14px; }
.footer-col a {
  display: block; color: #b9beb2; font-weight: 600;
  text-decoration: none; font-size: 14px; margin-bottom: 9px;
}
.footer-col a:hover { color: var(--sun); }
.footer-disclaimer {
  border-top: 1px solid #4a4e44;
  padding-top: 24px; font-size: 12.5px; line-height: 1.65;
  color: #8b9083;
}
.footer-copy { margin-top: 12px; }

/* ============================================================
   Subpages — nav dropdown, article content, tables, tools
   ============================================================ */

/* ---- Dropdown menu ---- */
.nav-item { position: relative; }
.drop-toggle { cursor: pointer; }
.drop-toggle::after { content: " ▾"; font-size: 11px; }
.dropdown {
  display: none;
  position: absolute; top: calc(100% + 6px); left: -10px;
  background: #fff; border: 1.5px solid var(--line);
  border-radius: 14px; box-shadow: var(--card-shadow-lg);
  padding: 8px; min-width: 230px; z-index: 120;
}
.nav-item:hover .dropdown,
.nav-item:focus-within .dropdown { display: block; }
.dropdown a {
  display: block; padding: 10px 14px; border-radius: 10px;
  font-weight: 700; font-size: 14.5px; color: var(--text); text-decoration: none;
}
.dropdown a:hover { background: var(--teal-light); color: var(--teal-dark); }

/* ---- Article hero (subpages) ---- */
.page-hero {
  position: relative;
  padding: 40px 0 34px;
  margin-bottom: 8px;
  background:
    radial-gradient(680px 260px at 88% -20%, rgba(0, 137, 123, .10), transparent 65%),
    radial-gradient(520px 240px at 0% 120%, rgba(255, 179, 0, .10), transparent 60%);
  border-bottom: 1.5px solid var(--line);
  overflow: hidden;
}
/* inner wrapper keeps all hero content in one centred 820px column */
.page-hero .hero-inner { max-width: 820px; margin: 0 auto; }
.page-hero .eyebrow {
  display: inline-flex; align-items: center; gap: 7px;
  background: var(--teal-light); color: var(--teal-dark);
  border-radius: 999px; padding: 6px 15px;
  font-size: 12.5px; font-weight: 900; letter-spacing: .4px;
  text-transform: uppercase; margin-bottom: 16px;
}
.page-hero .eyebrow .icon { width: 15px; height: 15px; }
.page-hero h1 { font-size: 40px; font-weight: 900; margin-bottom: 14px; max-width: 820px; letter-spacing: -.5px; }
.page-hero .lede { font-size: 18px; font-weight: 600; color: var(--text-muted); max-width: 720px; line-height: 1.6; }
.breadcrumb { font-size: 13px; font-weight: 700; color: var(--text-muted); margin-bottom: 18px; }
.breadcrumb a { color: var(--teal-dark); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }

/* Author card / byline */
.byline {
  display: flex; flex-wrap: wrap; gap: 12px 18px; align-items: center;
  font-size: 13.5px; font-weight: 700; color: var(--text-muted);
  margin-top: 24px;
}
.byline .avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--teal); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 900; font-size: 15px; flex-shrink: 0;
  box-shadow: 0 3px 0 var(--teal-dark);
}
.byline .author-name { color: var(--ink); }
.byline .meta-item { display: inline-flex; align-items: center; gap: 6px; }
.byline .meta-item .icon { width: 15px; height: 15px; color: var(--teal); }
.byline .divider { width: 1px; height: 26px; background: var(--line); }

/* ---- Article layout: content + sticky TOC sidebar ---- */
.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 260px;
  gap: 52px;
  align-items: start;
  max-width: 1100px; margin: 0 auto;
  padding: 40px 0 24px;
}
.toc {
  position: sticky; top: 92px;
  background: #fff; border: 1.5px solid var(--line);
  border-radius: 18px; padding: 22px 22px;
  box-shadow: var(--card-shadow);
}
.toc h4 {
  font-size: 12px; font-weight: 900; letter-spacing: .8px;
  text-transform: uppercase; color: var(--text-muted); margin-bottom: 14px;
}
.toc ul { list-style: none; display: grid; gap: 2px; }
.toc a {
  display: block; padding: 8px 12px; border-radius: 9px;
  font-size: 14px; font-weight: 700; color: var(--text); text-decoration: none;
  border-left: 3px solid transparent; transition: .15s;
}
.toc a:hover { background: var(--teal-light); color: var(--teal-dark); }
.toc .toc-cta {
  display: block; margin-top: 16px; padding-top: 16px;
  border-top: 1px solid var(--line);
}

/* ---- Quick answer / key takeaways (AEO) ---- */
.quick-answer {
  position: relative;
  background: linear-gradient(135deg, var(--teal-light), #eef9f6);
  border: 1.5px solid #b9e3db;
  border-radius: 16px;
  padding: 22px 24px 22px 58px;
  margin: 0 0 30px;
  font-size: 15.5px; font-weight: 600; line-height: 1.65;
}
.quick-answer::before {
  content: ""; position: absolute; left: 20px; top: 22px;
  width: 24px; height: 24px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300695c' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='12' cy='12' r='10'/%3E%3Cpath d='M12 16v-4M12 8h.01'/%3E%3C/svg%3E") no-repeat center;
}
.quick-answer strong { color: var(--teal-dark); }
.key-box {
  background: #fff; border: 1.5px solid var(--line);
  border-radius: 16px; padding: 24px 26px; margin: 26px 0;
  box-shadow: var(--card-shadow);
}
.key-box h3 { font-size: 16px; font-weight: 900; margin-bottom: 14px; color: var(--teal-dark); }
.key-box ul { list-style: none; display: grid; gap: 10px; margin: 0; }
.key-box li { padding-left: 30px; position: relative; font-size: 15px; font-weight: 600; }
.key-box li::before {
  content: ""; position: absolute; left: 0; top: 0;
  width: 20px; height: 20px;
  background-color: var(--teal-light);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300695c' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: center; background-size: 11px;
  border-radius: 50%;
}

/* ---- Callout boxes (info / warning / tip) ---- */
.callout {
  position: relative;
  border-radius: 14px; padding: 18px 22px 18px 54px;
  margin: 24px 0; font-size: 15px; font-weight: 600; line-height: 1.6;
  border: 1.5px solid;
}
.callout::before {
  content: ""; position: absolute; left: 18px; top: 18px;
  width: 22px; height: 22px; background-repeat: no-repeat; background-position: center;
}
.callout strong { font-weight: 900; }
.callout p { margin: 0 0 6px; }
.callout p:last-child { margin-bottom: 0; }
.callout-info { background: #eef6ff; border-color: #c7ddf5; color: #26425f; }
.callout-info::before { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232f6cb0' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='12' cy='12' r='10'/%3E%3Cpath d='M12 16v-4M12 8h.01'/%3E%3C/svg%3E"); }
.callout-warn { background: #fff6ec; border-color: #f7d9b0; color: #7a4e12; }
.callout-warn::before { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23d98324' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M10.29 3.86 1.82 18a2 2 0 0 0 1.71 3h16.94a2 2 0 0 0 1.71-3L13.71 3.86a2 2 0 0 0-3.42 0z'/%3E%3Cpath d='M12 9v4M12 17h.01'/%3E%3C/svg%3E"); }
.callout-tip { background: var(--teal-light); border-color: #b9e3db; color: var(--teal-dark); }
.callout-tip::before { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300695c' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M9 18h6M10 22h4M12 2a7 7 0 0 0-4 12.7c.6.5 1 1.3 1 2.3h6c0-1 .4-1.8 1-2.3A7 7 0 0 0 12 2z'/%3E%3C/svg%3E"); }

/* ---- Stat highlights row ---- */
.stat-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 26px 0; }
.stat-box {
  background: #fff; border: 1.5px solid var(--line); border-radius: 16px;
  padding: 22px 20px; text-align: center; box-shadow: var(--card-shadow);
}
.stat-box .num { font-size: 30px; font-weight: 900; color: var(--teal-dark); line-height: 1; margin-bottom: 6px; }
.stat-box .lbl { font-size: 13px; font-weight: 700; color: var(--text-muted); }

/* ---- Article content ---- */
.content-wrap { max-width: 820px; margin: 0 auto; padding-bottom: 24px; }
.content-wrap.narrow { max-width: 860px; margin: 0 auto; }
.content-wrap h2 {
  font-size: 27px; font-weight: 900; margin: 44px 0 16px;
  padding-top: 8px; letter-spacing: -.3px; scroll-margin-top: 90px;
  position: relative; padding-left: 18px;
}
.content-wrap h2::before {
  content: ""; position: absolute; left: 0; top: 14px; bottom: 6px;
  width: 5px; border-radius: 3px;
  background: linear-gradient(180deg, var(--teal), var(--sun));
}
.content-wrap h3 { font-size: 20px; font-weight: 900; margin: 30px 0 10px; scroll-margin-top: 90px; }
.content-wrap p { margin-bottom: 16px; font-size: 16px; line-height: 1.75; }
.content-wrap ul, .content-wrap ol { margin: 0 0 18px 4px; font-size: 16px; padding-left: 22px; }
.content-wrap li { margin-bottom: 9px; line-height: 1.7; }
.content-wrap ul li::marker { color: var(--teal); }
.content-wrap ol li::marker { color: var(--teal-dark); font-weight: 800; }
.content-wrap a { color: var(--teal-dark); font-weight: 700; text-decoration: underline; text-decoration-color: rgba(0,137,123,.3); text-underline-offset: 2px; }
.content-wrap a:hover { text-decoration-color: var(--teal-dark); }

/* ---- Data tables ---- */
.table-scroll { overflow-x: auto; margin: 24px 0; border-radius: 16px; border: 1.5px solid var(--line); box-shadow: var(--card-shadow); -webkit-overflow-scrolling: touch; }
.data-table { width: 100%; border-collapse: collapse; background: #fff; font-size: 15px; min-width: 560px; }
.data-table thead th {
  background: var(--teal); color: #fff; text-align: left;
  font-weight: 800; padding: 15px 18px; font-size: 13px;
  text-transform: uppercase; letter-spacing: .4px;
  border-bottom: 3px solid var(--teal-dark);
}
.data-table td { padding: 14px 18px; border-top: 1px solid var(--line); font-weight: 600; vertical-align: top; }
.data-table tbody tr:nth-child(even) td { background: #fbfaf7; }
.data-table tbody tr:hover td { background: var(--teal-light); }
.data-table td:first-child { font-weight: 800; color: var(--ink); }
.data-table td strong { color: var(--teal-dark); }

/* ---- CTA band ---- */
.cta-band {
  position: relative; overflow: hidden;
  background: linear-gradient(130deg, var(--teal-dark), var(--teal));
  border-radius: 20px; padding: 30px 34px; margin: 36px 0;
  display: flex; align-items: center; justify-content: space-between; gap: 22px;
  color: #fff; flex-wrap: wrap;
  box-shadow: 0 12px 30px rgba(0, 105, 92, .25);
}
.cta-band::after {
  content: ""; position: absolute; right: -40px; top: -60px;
  width: 220px; height: 220px; border-radius: 50%;
  background: rgba(255, 255, 255, .07); pointer-events: none;
}
.cta-band h3 { color: #fff; font-size: 21px; font-weight: 900; margin-bottom: 5px; }
.cta-band p { color: rgba(255,255,255,.9); font-weight: 600; font-size: 14.5px; margin: 0; }
.cta-band .btn { position: relative; z-index: 1; }
.cta-band .btn-cta { background: #fff; color: var(--teal-dark); box-shadow: 0 4px 0 rgba(0,0,0,.18); }
.cta-band .btn-cta:hover { box-shadow: 0 2px 0 rgba(0,0,0,.18); }

/* ---- Related links ---- */
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin: 26px 0 10px; }
.related-card {
  background: #fff; border: 1.5px solid var(--line); border-radius: 16px;
  padding: 20px 22px; text-decoration: none;
  box-shadow: var(--card-shadow); transition: transform .2s, box-shadow .2s;
  display: block;
}
.related-card:hover { transform: translateY(-3px); box-shadow: var(--card-shadow-lg); }
.related-card b { display: block; color: var(--ink); font-size: 15.5px; font-weight: 900; margin-bottom: 5px; }
.related-card span { font-size: 13.5px; font-weight: 600; color: var(--text-muted); }

/* ---- Calculator tools ---- */
.tool-panel {
  background: #fff; border: 1.5px solid var(--line); border-radius: 24px;
  box-shadow: var(--card-shadow-lg); padding: 34px 32px; margin: 10px 0 34px;
}
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px 30px; margin-bottom: 10px; }
.calc-field label { display: block; font-weight: 800; font-size: 14px; margin-bottom: 7px; color: var(--ink); }
.calc-field input, .calc-field select {
  width: 100%; padding: 13px 15px;
  border: 1.5px solid var(--line); border-radius: 12px;
  font-family: inherit; font-size: 15.5px; font-weight: 700; color: var(--text);
  background: var(--cream);
}
.calc-field input:focus, .calc-field select:focus { border-color: var(--teal); outline: none; }
.calc-field .hint { font-size: 12px; font-weight: 600; color: var(--text-muted); margin-top: 5px; }
.calc-results {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px;
  margin-top: 24px;
}
.calc-result {
  background: var(--teal-light); border-radius: 16px; padding: 18px 20px; text-align: center;
}
.calc-result span { display: block; font-size: 13px; font-weight: 700; color: var(--text-muted); margin-bottom: 4px; }
.calc-result strong { font-size: 24px; font-weight: 900; color: var(--teal-dark); }
.calc-result.hl { background: var(--orange); }
.calc-result.hl span { color: rgba(255,255,255,.9); }
.calc-result.hl strong { color: #fff; }
.calc-note { font-size: 12.5px; font-weight: 600; color: var(--text-muted); margin-top: 18px; line-height: 1.6; }

/* ---- Lender review pages ---- */
.review-head { display: flex; align-items: center; gap: 20px; margin-top: 8px; }
.review-head .offer-logo { flex-shrink: 0; }
.review-head h1 { font-size: 30px; font-weight: 900; margin-bottom: 2px; }
.review-head .lede { margin: 0; font-size: 16px; }

.proscons { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 18px 0; }
.pc-box { border-radius: 16px; padding: 20px 22px; border: 1.5px solid var(--line); }
.pc-box h3 { font-size: 16px; font-weight: 900; margin-bottom: 12px; }
.pc-box ul { list-style: none; display: grid; gap: 9px; margin: 0; }
.pc-box li { padding-left: 26px; position: relative; font-size: 14.5px; font-weight: 600; }
.pc-pro { background: #eef8f2; border-color: #c4ecd9; }
.pc-pro h3 { color: var(--teal-dark); }
.pc-pro li::before { content: "+"; position: absolute; left: 0; top: -1px; width: 18px; height: 18px; background: var(--teal); color: #fff; border-radius: 50%; font-weight: 900; font-size: 13px; display: flex; align-items: center; justify-content: center; }
.pc-con { background: #fdf3ef; border-color: #f7d3c6; }
.pc-con h3 { color: var(--orange-dark); }
.pc-con li::before { content: "–"; position: absolute; left: 0; top: -1px; width: 18px; height: 18px; background: var(--orange); color: #fff; border-radius: 50%; font-weight: 900; font-size: 13px; display: flex; align-items: center; justify-content: center; }

/* ---- Reviews hub grid ---- */
.review-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-bottom: 8px; }
.review-card {
  display: flex; align-items: center; gap: 16px;
  background: #fff; border: 1.5px solid var(--line); border-radius: 18px;
  padding: 20px 22px; text-decoration: none;
  box-shadow: var(--card-shadow); transition: transform .2s, box-shadow .2s, border-color .2s;
}
.review-card:hover { transform: translateY(-4px); box-shadow: var(--card-shadow-lg); border-color: #c4ecd9; }
.rc-logo {
  width: 58px; height: 58px; border-radius: 14px; flex-shrink: 0;
  background: #fff; border: 1.5px solid var(--line); overflow: hidden;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 900; font-size: 22px; line-height: 1;
}
.rc-logo.is-fallback { border: none; }
.rc-logo img { width: 100%; height: 100%; object-fit: contain; padding: 7px; box-sizing: border-box; }
.rc-body { flex: 1; min-width: 0; }
.rc-top { display: flex; align-items: baseline; justify-content: space-between; gap: 8px; }
.rc-top b { font-size: 16.5px; font-weight: 900; color: var(--ink); }
.rc-rate { font-size: 13px; font-weight: 800; color: var(--sun); white-space: nowrap; }
.rc-body p { font-size: 13.5px; font-weight: 600; color: var(--text-muted); margin: 3px 0 6px; }
.rc-meta { font-size: 12px; font-weight: 700; color: var(--teal-dark); }
.rc-go { font-size: 12.5px; font-weight: 900; color: var(--teal-dark); white-space: nowrap; align-self: center; }

@media (max-width: 700px) {
  .proscons { grid-template-columns: 1fr; }
  .review-grid { grid-template-columns: 1fr; }
  .review-head { flex-direction: column; align-items: flex-start; gap: 14px; }
  .review-card { flex-wrap: wrap; }
  .rc-go { display: none; }
}

/* ---- Guide cards ---- */
.guide-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.guide-card {
  position: relative; overflow: hidden;
  background: #fff; border: 1.5px solid var(--line); border-radius: 20px;
  padding: 28px 26px; text-decoration: none; display: flex; flex-direction: column;
  box-shadow: var(--card-shadow); transition: transform .2s, box-shadow .2s, border-color .2s;
}
.guide-card::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--teal), var(--sun));
  transform: scaleX(0); transform-origin: left; transition: transform .25s;
}
.guide-card:hover { transform: translateY(-5px); box-shadow: var(--card-shadow-lg); border-color: #c4ecd9; }
.guide-card:hover::before { transform: scaleX(1); }
.guide-card .g-icon {
  width: 52px; height: 52px; background: var(--teal-light); border-radius: 14px;
  display: flex; align-items: center; justify-content: center; margin-bottom: 14px;
}
.g-icon .icon { width: 24px; height: 24px; color: var(--teal-dark); }
.guide-card h3 { font-size: 17px; font-weight: 900; color: var(--ink); margin-bottom: 7px; }
.guide-card p { font-size: 14px; font-weight: 600; color: var(--text-muted); flex: 1; margin-bottom: 12px; }
.guide-card .g-more { color: var(--teal-dark); font-weight: 900; font-size: 13.5px; }

/* ============================================================
   RESPONSIVE — unified breakpoints
   > 900px  : full desktop
   ≤ 900px  : tablet — 2-col grids, mobile nav (hamburger)
   ≤ 600px  : phone — single column
   ============================================================ */

/* ---------- Tablet & mobile nav (≤ 900px) ---------- */
@media (max-width: 900px) {
  /* Layout grids collapse to 2 columns */
  .hero-grid { grid-template-columns: 1fr; gap: 34px; }
  .hero h1 { font-size: 38px; }
  .steps-grid, .types-grid, .why-grid, .reviews-grid { grid-template-columns: repeat(2, 1fr); }
  .compliance-grid { grid-template-columns: 1fr; }
  .compliance-badges { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .related-grid, .guide-grid { grid-template-columns: 1fr; }
  .calc-grid, .calc-results { grid-template-columns: 1fr; }
  .page-hero h1 { font-size: 30px; }
  .cta-band { flex-direction: column; align-items: flex-start; }
  .cta-band .btn { width: 100%; }
  .article-layout { grid-template-columns: 1fr; gap: 0; }
  .toc { display: none; }
  .stat-row { grid-template-columns: 1fr; }

  /* Hamburger menu appears */
  .nav-toggle { display: block; order: 3; }
  .header-inner { gap: 14px; }
  .header-cta { margin-left: auto; }

  .main-nav {
    display: none;
    position: absolute; top: 72px; left: 0; right: 0;
    max-height: calc(100vh - 72px); overflow-y: auto;
    background: #fff; flex-direction: column; gap: 0;
    border-top: 1.5px solid var(--line);
    border-bottom: 1.5px solid var(--line);
    box-shadow: 0 12px 28px rgba(63, 50, 30, .14);
    padding: 6px 0 10px;
  }
  .main-nav.open { display: flex; }
  .main-nav > a,
  .main-nav .drop-toggle {
    display: block; padding: 14px 22px; font-size: 16px;
    border-top: 1px solid var(--line);
  }
  .main-nav > .nav-item:first-child .drop-toggle,
  .main-nav > a:first-child { border-top: 0; }

  /* Dropdowns become inline accordions (always expanded, indented) */
  .nav-item { position: static; }
  .drop-toggle {
    font-weight: 800; color: var(--text-muted);
    text-transform: uppercase; font-size: 12.5px !important; letter-spacing: .6px;
    pointer-events: none; padding-bottom: 4px !important;
  }
  .drop-toggle::after { display: none; }
  .dropdown {
    display: block; position: static;
    border: 0; box-shadow: none; border-radius: 0;
    padding: 0; min-width: 0; background: transparent;
  }
  .dropdown a { padding: 12px 22px 12px 34px; font-size: 15.5px; }
}

/* ---------- Phone (≤ 600px) ---------- */
@media (max-width: 600px) {
  section { padding: 48px 0; }
  .container { padding: 0 18px; }

  .hero { padding: 34px 0 50px; }
  .hero h1 { font-size: 29px; }
  .hero-sub { font-size: 16.5px; }
  .hero-checks { grid-template-columns: 1fr; }
  .hero-stats { gap: 10px; }
  .stat strong { font-size: 20px; }
  .happy { max-width: none; }

  .steps-grid, .types-grid, .why-grid, .reviews-grid { grid-template-columns: 1fr; }
  .compliance-badges { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .section-head h2 { font-size: 24px; }
  .section-head p { font-size: 15.5px; }

  .form-card { padding: 26px 20px 22px; }
  .form-title { font-size: 20px; }
  .modal-box { padding: 28px 20px 22px; }
  .field-row { grid-template-columns: 1fr; }

  .bottom-cta { margin: 0 0 48px; border-radius: 20px; padding: 44px 22px; }
  .bottom-cta h2 { font-size: 26px; }

  /* Offer cards stack cleanly */
  .offer-card { padding: 30px 18px 20px; }
  .offer-head { gap: 13px; }
  .offer-logo { width: 100px; height: 58px; }
  .offer-title h3 { font-size: 18px; }
  .offer-specs { grid-template-columns: 1fr 1fr; }
  .offer-foot { flex-direction: column; align-items: stretch; gap: 12px; }
  .offer-trust { justify-content: center; }
  .offer-apply { width: 100%; text-align: center; }

  /* Article & tools */
  .page-hero { padding: 32px 0 28px; }
  .page-hero h1 { font-size: 27px; }
  .page-hero .lede { font-size: 16.5px; }
  .content-wrap { max-width: none; }
  .content-wrap.narrow { max-width: none; }
  .content-wrap h2 { font-size: 23px; padding-left: 15px; }
  .content-wrap h3 { font-size: 18px; }
  .content-wrap p, .content-wrap ul, .content-wrap ol { font-size: 15.5px; }
  .tool-panel { padding: 24px 18px; }
  .cta-band { padding: 24px 22px; }

  /* keep icon room on mobile — icon is absolute-positioned */
  .quick-answer { padding: 18px 18px 18px 52px; font-size: 15px; }
  .quick-answer::before { left: 16px; top: 18px; }
  .callout { padding: 16px 18px 16px 50px; }
  .callout::before { left: 15px; }
  .stat-box .num { font-size: 26px; }

  /* Author card wraps cleanly */
  .byline { gap: 10px 14px; font-size: 13px; }
  .byline .divider { display: none; }
}

/* ---------- Small phones (≤ 380px): keep header from crowding ---------- */
@media (max-width: 380px) {
  .container { padding: 0 14px; }
  .header-inner { gap: 8px; }
  .logo-text { font-size: 20px; }
  .logo-tld { display: none; }
  .header-cta { padding: 9px 16px; font-size: 13.5px; }
  .hero h1 { font-size: 26px; }
}

/* ---------- Prevent iOS auto-zoom on input focus (needs ≥16px) ---------- */
@media (max-width: 900px) {
  .field-group select,
  .field-group input,
  .calc-field input,
  .calc-field select { font-size: 16px; }
}