/* ===== RESET & BASE ===== */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --primary: #1E40AF;
    --primary-dark: #1e3a8a;
    --primary-darker: #172554;
    --primary-light: #3B82F6;
    --primary-50: #EFF6FF;
    --accent: #FBBF24;
    --accent-dark: #F59E0B;
    --accent-hover: #D97706;
    --white: #FFFFFF;
    --bg-soft: #F8FAFC;
    --text: #111827;
    --text-muted: #6B7280;
    --text-light: #9CA3AF;
    --border: #E2E8F0;
    --success: #059669;
    --success-light: #D1FAE5;
    --error: #DC2626;
    --warning: #D97706;
    --footer-bg: #0f172a;
    --radius: 12px;
    --radius-lg: 16px;
    --radius-pill: 100px;
    --shadow: 0 4px 6px -1px rgba(0,0,0,.1), 0 2px 4px -2px rgba(0,0,0,.1);
    --shadow-lg: 0 20px 25px -5px rgba(0,0,0,.1), 0 8px 10px -6px rgba(0,0,0,.1);
    --shadow-xl: 0 25px 50px -12px rgba(0,0,0,.25);
    --transition: all 0.2s ease;
}

html { scroll-behavior: smooth; }

body {
    font-family: 'Manrope', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--text);
    line-height: 1.7;
    background: var(--white);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; }

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* ===== BUTTONS ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 24px;
    border: none;
    border-radius: var(--radius);
    font-family: 'Manrope', sans-serif;
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;
    transition: var(--transition);
    white-space: nowrap;
    line-height: 1.4;
}

.btn:hover { transform: translateY(-1px); }

.btn-primary {
    background: var(--primary);
    color: #fff;
    box-shadow: 0 4px 14px rgba(30,64,175,.3);
}
.btn-primary:hover {
    background: var(--primary-dark);
    box-shadow: 0 6px 20px rgba(30,64,175,.4);
}

.btn-accent {
    background: var(--accent);
    color: #1a1a1a;
    box-shadow: 0 4px 14px rgba(251,191,36,.4);
    font-weight: 800;
}
.btn-accent:hover {
    background: var(--accent-dark);
    color: #fff;
    box-shadow: 0 6px 20px rgba(251,191,36,.5);
}

.btn-white {
    background: var(--white);
    color: var(--primary);
    font-weight: 800;
}
.btn-white:hover { background: #f1f5f9; }

.btn-outline-white {
    background: transparent;
    color: #fff;
    border: 2px solid rgba(255,255,255,0.5);
    font-weight: 700;
}
.btn-outline-white:hover {
    background: rgba(255,255,255,0.15);
    border-color: #fff;
}

.btn-sm { padding: 8px 18px; font-size: 14px; }
.btn-lg { padding: 16px 32px; font-size: 18px; }
.btn-block { width: 100%; }
.btn-outline {
    background: transparent;
    border: 2px solid var(--primary);
    color: var(--primary);
}
.btn-outline:hover { background: var(--primary); color: #fff; }

/* ===== NAVBAR ===== */
.navbar {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: rgba(255,255,255,0.95);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--border);
    transition: var(--transition);
}

.navbar.scrolled { box-shadow: var(--shadow); }

.navbar-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 70px;
}

.logo {
    display: flex;
    align-items: baseline;
    font-size: 24px;
    font-weight: 900;
    letter-spacing: -0.5px;
    line-height: 1;
}

.logo-icon { display: none; }
.logo-text { color: #1e3a8a; }
.logo-accent { color: #F59E0B; }
.logo-domain { font-size: 12px; font-weight: 700; color: #9CA3AF; margin-left: 0; letter-spacing: 0; }

.nav-links { display: flex; gap: 4px; align-items: center; }

.nav-link {
    display: flex;
    align-items: center;
    gap: 4px;
    font-weight: 600;
    color: var(--text-muted);
    transition: var(--transition);
    font-size: 14px;
    padding: 8px 14px;
    border-radius: 8px;
}

.nav-link:hover { color: var(--primary); background: var(--primary-50); }
.nav-link.active { color: var(--primary); }

/* Dropdown */
.nav-dropdown { position: relative; }
.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow-lg);
    min-width: 220px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: var(--transition);
    z-index: 100;
    padding: 8px;
}

.nav-dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-menu a {
    display: block;
    padding: 8px 14px;
    font-size: 14px;
    font-weight: 500;
    color: var(--text);
    border-radius: 6px;
    transition: var(--transition);
}

.dropdown-menu a:hover { background: var(--primary-50); color: var(--primary); }

.nav-cta {
    padding: 10px 24px;
    font-size: 14px;
    font-weight: 800;
    border-radius: var(--radius);
}

.hamburger {
    display: none;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 10px;
    min-width: 44px;
    min-height: 44px;
}

.hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--text);
    border-radius: 2px;
    transition: var(--transition);
}

/* ===== PAGE HEADER ===== */
.page-header {
    background: linear-gradient(135deg, #1E40AF 0%, #1e3a8a 55%, #172554 100%);
    padding: 100px 0 56px;
    color: #fff;
}

.page-header-sm { padding: 80px 0 40px; }

.page-header h1 {
    font-size: 38px;
    font-weight: 900;
    line-height: 1.2;
    margin-bottom: 16px;
    max-width: 700px;
    color: #fff;
}

.page-header-sub {
    font-size: 17px;
    color: rgba(255,255,255,0.85);
    max-width: 600px;
    margin-bottom: 24px;
    line-height: 1.7;
}

.page-header .breadcrumb { color: rgba(255,255,255,0.6); }
.page-header .breadcrumb a { color: rgba(255,255,255,0.8); }
.page-header .btn { color: #1a1a1a; }

.breadcrumb {
    font-size: 13px;
    margin-bottom: 20px;
    color: rgba(255,255,255,0.6);
}

.breadcrumb a { text-decoration: underline; color: rgba(255,255,255,0.8); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb span { margin: 0 4px; }

/* ===== HERO ===== */
.hero {
    position: relative;
    background: linear-gradient(135deg, #1E40AF 0%, #1e3a8a 55%, #172554 100%);
    padding: 100px 0 80px;
    overflow: hidden;
    min-height: calc(100vh - 70px);
    display: flex;
    align-items: center;
}

.hero-bg-shapes {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    overflow: hidden;
    pointer-events: none;
}

.hero-bg-shapes::before {
    content: '';
    position: absolute;
    width: 700px;
    height: 700px;
    background: radial-gradient(circle, rgba(59,130,246,0.12), transparent 70%);
    top: -250px;
    right: -250px;
    border-radius: 50%;
}

.hero-bg-shapes::after {
    content: '';
    position: absolute;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(251,191,36,0.06), transparent 70%);
    bottom: -150px;
    left: -150px;
    border-radius: 50%;
}

.hero-inner {
    display: grid;
    grid-template-columns: 1fr 440px;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-content { color: #fff; }
.hero-content h1 { color: #fff; }
.hero-content p { color: rgba(255,255,255,0.85); }

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(251,191,36,0.15);
    border: 1px solid rgba(251,191,36,0.3);
    color: var(--accent) !important;
    padding: 7px 16px;
    border-radius: var(--radius-pill);
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 24px;
    border: 1px solid rgba(255,255,255,0.2);
}

.hero h1 {
    font-size: clamp(32px, 5vw, 50px);
    font-weight: 900;
    line-height: 1.15;
    margin-bottom: 18px;
}

.text-accent { color: var(--accent); }

.hero-subtitle {
    font-size: 18px;
    color: rgba(255,255,255,0.85);
    margin-bottom: 28px;
    line-height: 1.7;
}

.hero-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 32px;
}

.pill {
    display: inline-flex;
    align-items: center;
    padding: 6px 14px;
    background: rgba(255,255,255,0.15);
    border: 1px solid rgba(255,255,255,0.25);
    border-radius: var(--radius-pill);
    color: #fff;
    font-size: 13px;
    font-weight: 700;
    backdrop-filter: blur(4px);
}

.hero-trust {
    display: flex;
    gap: 20px;
    margin-top: 32px;
    flex-wrap: wrap;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 600;
    color: rgba(255,255,255,0.75);
}

.trust-icon { font-size: 16px; }

/* ===== CALCULATOR CARD ===== */
.calc-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
}

.calc-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 28px;
}

.calc-title {
    font-size: 24px;
    color: var(--text);
    font-weight: 800;
}

.calc-badge {
    background: var(--success-light);
    color: var(--success);
    padding: 6px 14px;
    border-radius: var(--radius-pill);
    font-size: 13px;
    font-weight: 700;
}

.calc-body { padding: 4px 28px 28px; }

.slider-group { margin-bottom: 22px; }

.slider-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 10px;
    font-weight: 600;
    font-size: 13px;
    color: var(--text);
}

.slider-value {
    color: var(--primary);
    font-weight: 800;
    font-size: 17px;
}

.slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 8px;
    border-radius: 4px;
    background: #E2E8F0;
    outline: none;
    cursor: pointer;
    margin: 8px 0;
}

.slider::-webkit-slider-runnable-track {
    height: 8px;
    border-radius: 4px;
    background: transparent;
}

.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: #1E40AF;
    border: 3px solid #fff;
    box-shadow: 0 2px 8px rgba(30,64,175,.4);
    cursor: pointer;
    margin-top: -8px;
    position: relative;
    z-index: 2;
}

.slider::-webkit-slider-thumb:hover { transform: scale(1.15); }

.slider::-moz-range-track {
    height: 8px;
    border-radius: 4px;
    background: #E2E8F0;
}

.slider::-moz-range-progress {
    height: 8px;
    border-radius: 4px;
    background: #1E40AF;
}

.slider::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: #1E40AF;
    border: 3px solid #fff;
    box-shadow: 0 2px 8px rgba(30,64,175,.4);
    cursor: pointer;
}

.slider-range {
    display: flex;
    justify-content: space-between;
    font-size: 11px;
    color: var(--text-muted);
    margin-top: 6px;
}

.calc-summary {
    display: flex;
    justify-content: center;
    margin: 20px 0;
    padding: 18px;
    background: var(--bg-soft);
    border: 1px solid var(--border);
    border-radius: var(--radius);
}

.calc-summary-total { text-align: center; }

.calc-summary-total .summary-value {
    font-size: 22px;
    color: var(--primary);
}

.calc-summary-item { text-align: center; }

.summary-label {
    display: block;
    font-size: 11px;
    color: var(--text-muted);
    margin-bottom: 3px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.3px;
}

.summary-value {
    display: block;
    font-size: 15px;
    font-weight: 800;
    color: var(--primary);
}

.calc-disclaimer {
    font-size: 12px;
    color: var(--text-light);
    text-align: center;
    margin-top: 10px;
    font-weight: 600;
}

.calc-disclaimer a { color: var(--primary); text-decoration: underline; }

/* Accent CTA in calc card */
.calc-body .btn-accent {
    font-size: 17px;
    padding: 16px 24px;
    margin-top: 4px;
}

/* ===== STATS BAR ===== */
.stats-bar {
    background: var(--bg-soft);
    border-bottom: 1px solid var(--border);
    padding: 48px 0;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    text-align: center;
}

.stat-number {
    display: block;
    font-size: 36px;
    font-weight: 900;
    color: var(--primary);
}

.stat-label {
    font-size: 14px;
    color: var(--text-muted);
    font-weight: 600;
}

/* ===== SECTIONS ===== */
.section { padding: 80px 0; }
.section-gray { background: var(--bg-soft); }

.section-header {
    text-align: center;
    margin-bottom: 48px;
}

.section-tag {
    display: inline-block;
    font-size: 11px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--primary);
    margin-bottom: 10px;
    background: #DBEAFE;
    padding: 5px 16px;
    border-radius: var(--radius-pill);
}

.section-header h2 {
    font-size: clamp(26px, 3.5vw, 38px);
    font-weight: 900;
    color: var(--text);
    margin-bottom: 12px;
    line-height: 1.2;
}

.section-header p {
    font-size: 18px;
    color: var(--text-muted);
    max-width: 600px;
    margin: 0 auto;
}

/* ===== CONTENT BLOCKS ===== */
.content-narrow { max-width: 800px; margin: 0 auto; padding: 0 20px; }

.content-block h2 {
    font-size: 30px;
    font-weight: 900;
    margin-bottom: 16px;
    color: var(--text);
}

.content-block p, .content-narrow p {
    font-size: 16px;
    color: #374151;
    margin-bottom: 16px;
    line-height: 1.8;
}

.content-narrow h2 {
    font-size: 28px;
    font-weight: 900;
    margin: 40px 0 16px;
    color: var(--text);
}

.content-narrow h3 {
    font-size: 20px;
    font-weight: 800;
    margin: 28px 0 12px;
    color: var(--text);
}

.info-box {
    background: #EFF6FF;
    border: 1px solid #BFDBFE;
    padding: 24px;
    border-radius: var(--radius);
    margin: 24px 0;
}

.info-box h3 {
    font-size: 16px;
    font-weight: 800;
    margin: 0 0 10px;
}

.info-box ul { list-style: none; }
.info-box li {
    padding: 4px 0;
    font-size: 15px;
    color: #374151;
    line-height: 1.7;
}

.info-box-warning {
    background: #FEF2F2;
    border-color: #FECACA;
}

.info-box-warning h3 { color: #7F1D1D; }

/* GEO Answer Capsule - key passage for AI citation */
.answer-capsule {
    font-size: 16px;
    line-height: 1.8;
    color: #111827;
    font-weight: 500;
    margin-bottom: 16px;
}

.content-list {
    margin: 16px 0;
    padding-left: 20px;
}

.content-list li {
    padding: 4px 0;
    font-size: 15px;
    color: #374151;
    line-height: 1.7;
}

/* Content with sidebar */
.content-with-sidebar {
    display: grid;
    grid-template-columns: 1fr 340px;
    gap: 48px;
    align-items: start;
}

.content-main article h2 {
    font-size: 26px;
    font-weight: 900;
    margin: 40px 0 14px;
    color: var(--text);
}

.content-main article h2:first-child { margin-top: 0; }

.content-main article h3 {
    font-size: 19px;
    font-weight: 800;
    margin: 28px 0 10px;
}

.content-main article p {
    font-size: 15px;
    color: #374151;
    margin-bottom: 14px;
    line-height: 1.8;
}

/* Tables */
.table-responsive { overflow-x: auto; margin: 20px 0; }

.content-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 14px;
}

.content-table th,
.content-table td {
    padding: 12px 16px;
    text-align: left;
    border-bottom: 1px solid var(--border);
}

.content-table th {
    background: var(--primary);
    color: #fff;
    font-weight: 700;
    font-size: 13px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.content-table tr:hover { background: var(--bg-soft); }

.table-note {
    font-size: 12px;
    color: var(--text-muted);
    font-style: italic;
    margin-top: 8px;
}

/* CTA Inline */
.cta-inline {
    background: linear-gradient(135deg, #1E40AF 0%, #1e3a8a 55%, #172554 100%);
    color: #fff;
    padding: 40px;
    border-radius: var(--radius-lg);
    margin: 40px 0;
    text-align: center;
}

.cta-inline h3 {
    font-size: 22px;
    font-weight: 800;
    margin-bottom: 8px;
    color: #fff;
}

.cta-inline p {
    color: rgba(255,255,255,0.85);
    margin-bottom: 16px;
    font-size: 15px;
}

/* Sidebar */
.content-sidebar { position: relative; }

.sidebar-sticky {
    position: sticky;
    top: 80px;
}

.sidebar-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 24px;
    margin-bottom: 20px;
    box-shadow: var(--shadow);
}

.sidebar-card h3 {
    font-size: 17px;
    font-weight: 800;
    margin-bottom: 12px;
}

.sidebar-card p {
    font-size: 14px;
    color: var(--text-muted);
    margin-bottom: 16px;
}

.sidebar-checklist {
    list-style: none;
    margin-top: 16px;
}

.sidebar-checklist li {
    padding: 6px 0;
    font-size: 13px;
    font-weight: 600;
    color: var(--success);
}

.sidebar-checklist li::before {
    content: '✓ ';
    font-weight: 800;
}

.sidebar-nav { list-style: none; }
.sidebar-nav li { border-bottom: 1px solid var(--border); }
.sidebar-nav li:last-child { border-bottom: none; }
.sidebar-nav a {
    display: block;
    padding: 8px 0;
    font-size: 14px;
    font-weight: 500;
    color: var(--primary);
    transition: var(--transition);
}
.sidebar-nav a:hover { color: var(--primary-dark); transform: translateX(4px); }

/* ===== HOW IT WORKS ===== */
.steps-grid {
    display: grid;
    grid-template-columns: 1fr auto 1fr auto 1fr;
    align-items: flex-start;
    gap: 0;
    max-width: 900px;
    margin: 0 auto;
}

.step-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 40px 24px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
    position: relative;
}

.step-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.step-number {
    position: absolute;
    top: -16px;
    left: 50%;
    transform: translateX(-50%);
    width: 32px;
    height: 32px;
    background: var(--accent);
    color: var(--primary-darker);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 900;
    font-size: 14px;
}

.step-icon {
    width: 72px;
    height: 72px;
    background: linear-gradient(135deg, rgba(30,64,175,.08), rgba(30,64,175,.15));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 32px;
    margin: 8px auto 16px;
}

.step-card h3 {
    font-size: 20px;
    font-weight: 800;
    margin-bottom: 8px;
}

.step-card p {
    font-size: 15px;
    color: #4B5563;
    line-height: 1.6;
}

.step-connector {
    color: var(--primary-light);
    display: flex;
    align-items: center;
    justify-content: center;
    padding-top: 40px;
}

.steps-cta {
    text-align: center;
    margin-top: 40px;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 16px;
}

.link-arrow {
    font-size: 14px;
    font-weight: 600;
    color: var(--primary);
    transition: var(--transition);
}

.link-arrow:hover { color: var(--primary-dark); }

/* How step detailed */
.how-step-detailed {
    margin-bottom: 48px;
    padding-bottom: 40px;
    border-bottom: 1px solid var(--border);
}

.how-step-detailed:last-of-type { border-bottom: none; }

.hsd-number {
    display: inline-block;
    background: var(--primary-50);
    color: var(--primary);
    font-size: 12px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 4px 14px;
    border-radius: var(--radius-pill);
    margin-bottom: 12px;
}

.how-step-detailed h2 {
    font-size: 24px;
    margin-bottom: 12px;
}

/* ===== LOAN TYPES GRID ===== */
.loan-types-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
}

.loan-type-card {
    display: block;
    background: var(--white);
    border: 2px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 32px 24px;
    transition: transform .2s, box-shadow .2s, border-color .2s;
}

.loan-type-card:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
}

.lt-icon {
    font-size: 32px;
    width: 56px;
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, rgba(30,64,175,.08), rgba(30,64,175,.12));
    border-radius: var(--radius);
    margin-bottom: 16px;
}

.loan-type-card h3 {
    font-size: 18px;
    font-weight: 800;
    margin-bottom: 8px;
    color: var(--text);
}

.loan-type-card p {
    font-size: 14px;
    color: #4B5563;
    line-height: 1.6;
    margin-bottom: 16px;
}

.lt-link {
    font-size: 14px;
    font-weight: 700;
    color: var(--primary);
    display: inline-flex;
    align-items: center;
    gap: 4px;
}

/* ===== BENEFITS ===== */
.benefits-grid {
    display: grid;
    grid-template-columns: 1fr 340px;
    gap: 32px;
    align-items: start;
}

.benefits-list {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.benefit-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    background: var(--white);
    padding: 24px;
    border-radius: var(--radius);
    border: 1px solid var(--border);
    transition: var(--transition);
}

.benefit-item:hover { transform: translateY(-2px); box-shadow: var(--shadow); }

.benefit-icon {
    font-size: 28px;
    flex-shrink: 0;
    width: 52px;
    height: 52px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, rgba(30,64,175,.08), rgba(30,64,175,.15));
    border-radius: var(--radius);
}

.benefit-item h3 {
    font-size: 15px;
    font-weight: 800;
    margin-bottom: 4px;
    color: #111827;
}

.benefit-item p {
    font-size: 13px;
    color: #4B5563;
    line-height: 1.6;
}

.highlight-card {
    background: linear-gradient(135deg, #1E40AF 0%, #1e3a8a 55%, #172554 100%);
    padding: 40px 32px;
    border-radius: var(--radius-lg);
    text-align: center;
    position: sticky;
    top: 90px;
}

.highlight-stat {
    font-size: 64px;
    font-weight: 900;
    line-height: 1;
    margin-bottom: 4px;
    color: #fff;
}

.highlight-small { font-size: 32px; color: rgba(255,255,255,0.7); }

.highlight-label {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 24px;
    color: rgba(255,255,255,0.9);
}

.highlight-list {
    list-style: none;
    text-align: left;
}

.highlight-list li {
    padding: 8px 0;
    font-size: 14px;
    font-weight: 600;
    color: rgba(255,255,255,0.9);
    border-bottom: 1px solid rgba(255,255,255,0.15);
}

.highlight-list li:last-child { border-bottom: none; }

/* ===== REQUIREMENTS ===== */
.requirements-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

.req-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 28px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: transform .2s, box-shadow .2s, border-color .2s;
    border: 2px solid var(--border);
}

.req-card:hover { border-color: var(--primary); transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.req-icon { font-size: 36px; margin-bottom: 10px; }

.req-card h3 {
    font-size: 15px;
    font-weight: 800;
    margin-bottom: 6px;
}

.req-card p {
    font-size: 13px;
    color: var(--text-muted);
    line-height: 1.5;
}

/* ===== CTA STRIP ===== */
.cta-strip {
    background: linear-gradient(135deg, #1E40AF 0%, #1e3a8a 55%, #172554 100%);
    padding: 80px 0;
}

.cta-strip-inner {
    text-align: center;
}

.cta-strip-inner h2 {
    font-size: 30px;
    font-weight: 900;
    margin-bottom: 10px;
    color: #fff;
}

.cta-strip-inner p {
    font-size: 17px;
    color: rgba(255,255,255,0.85);
    margin-bottom: 24px;
}

/* ===== TESTIMONIALS ===== */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 28px;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    transition: var(--transition);
}

.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.stars {
    color: var(--accent-dark);
    font-size: 18px;
    margin-bottom: 12px;
    letter-spacing: 2px;
}

.testimonial-text {
    font-size: 14px;
    font-style: italic;
    color: #374151;
    margin-bottom: 18px;
    line-height: 1.7;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 10px;
}

.author-avatar {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 13px;
}

.testimonial-author strong { display: block; font-size: 14px; }
.verified { font-size: 11px; color: var(--success); font-weight: 600; }

/* ===== FAQ ===== */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-more { text-align: center; margin-top: 28px; }

.faq-item {
    background: var(--white);
    border-radius: var(--radius);
    margin-bottom: 12px;
    box-shadow: var(--shadow);
    overflow: hidden;
    border: 1px solid var(--border);
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 16px 22px;
    background: none;
    border: none;
    cursor: pointer;
    font-family: 'Manrope', sans-serif;
    font-size: 15px;
    font-weight: 700;
    color: var(--text);
    text-align: left;
    transition: var(--transition);
    gap: 16px;
}

.faq-question:hover { color: var(--primary); }

.faq-icon {
    font-size: 20px;
    font-weight: 300;
    color: var(--primary);
    transition: transform 0.3s ease;
    flex-shrink: 0;
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease;
}

.faq-answer p {
    padding: 0 22px 16px;
    font-size: 14px;
    color: #374151;
    line-height: 1.8;
}

.faq-answer p a { color: var(--primary); text-decoration: underline; }

.faq-item.active .faq-icon { transform: rotate(45deg); }
.faq-item.active .faq-answer { max-height: 500px; }

/* ===== VALUES GRID ===== */
.values-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin: 24px 0;
}

.value-item {
    background: var(--bg-soft);
    padding: 24px;
    border-radius: var(--radius);
    border: 1px solid var(--border);
}

.value-item h3 {
    font-size: 17px;
    font-weight: 800;
    margin-bottom: 6px;
}

.value-item p {
    font-size: 14px;
    color: var(--text-muted);
}

/* ===== BLOG ===== */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.blog-card {
    display: block;
    background: var(--white);
    border: 2px solid var(--border);
    border-radius: var(--radius);
    padding: 28px;
    transition: var(--transition);
}

.blog-card:hover {
    border-color: var(--primary-light);
    box-shadow: var(--shadow);
    transform: translateY(-2px);
}

.blog-card-tag {
    display: inline-block;
    background: var(--primary-50);
    color: var(--primary);
    font-size: 11px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 3px 10px;
    border-radius: var(--radius-pill);
    margin-bottom: 12px;
}

.blog-card h2 {
    font-size: 20px;
    font-weight: 800;
    margin-bottom: 8px;
    color: var(--text);
    line-height: 1.3;
}

.blog-card p {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.6;
    margin-bottom: 12px;
}

.blog-card-meta {
    display: flex;
    gap: 16px;
    font-size: 12px;
    color: var(--text-muted);
    font-weight: 600;
}

@media (max-width: 768px) {
    .blog-grid { grid-template-columns: 1fr; }
}

/* ===== CONTACT PAGE ===== */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: start;
}

.contact-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    margin-bottom: 24px;
}

.contact-icon { font-size: 28px; flex-shrink: 0; }

.contact-item h3 {
    font-size: 16px;
    font-weight: 800;
    margin-bottom: 2px;
}

.contact-item a {
    color: var(--primary);
    font-weight: 600;
    font-size: 15px;
}

.contact-item p { font-size: 13px; color: var(--text-muted); }

.contact-form-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 32px;
    box-shadow: var(--shadow);
}

.contact-form-card h2 {
    font-size: 22px;
    font-weight: 800;
    margin-bottom: 20px;
}

.contact-form-card textarea {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: 'Manrope', sans-serif;
    font-size: 15px;
    resize: vertical;
    transition: var(--transition);
}

.contact-form-card textarea:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(30,64,175,0.1);
}

/* ===== BOTTOM CTA ===== */
.bottom-cta {
    background: linear-gradient(135deg, #1E40AF 0%, #1e3a8a 55%, #172554 100%);
    padding: 80px 0;
}

.bottom-cta-inner {
    text-align: center;
}

.bottom-cta-inner h2 {
    font-size: 34px;
    font-weight: 900;
    margin-bottom: 14px;
    color: #fff;
}

.bottom-cta-inner p {
    font-size: 17px;
    color: rgba(255,255,255,0.85);
    margin-bottom: 28px;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

/* ===== LEGAL ===== */
.legal-disclaimer {
    background: var(--bg-soft);
    padding: 20px 0;
    border-top: 1px solid var(--border);
}

.legal-disclaimer p {
    font-size: 11px;
    color: var(--text-muted);
    line-height: 1.7;
    max-width: 900px;
    margin: 0 auto;
    text-align: center;
}

.legal-content h2 {
    font-size: 22px;
    font-weight: 800;
    margin: 32px 0 12px;
    color: var(--text);
}

.legal-content h3 {
    font-size: 17px;
    margin: 20px 0 8px;
}

.legal-content p {
    font-size: 15px;
    color: #374151;
    margin-bottom: 12px;
}

.legal-content ul, .legal-content ol {
    margin: 12px 0;
    padding-left: 20px;
}

.legal-content li {
    font-size: 15px;
    padding: 3px 0;
    color: #374151;
}

.legal-content a { color: var(--primary); text-decoration: underline; }

/* ===== FOOTER ===== */
.footer {
    background: var(--footer-bg);
    color: rgba(255,255,255,0.7);
    padding: 56px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.8fr 1fr 1fr 1fr 1fr;
    gap: 36px;
    padding-bottom: 40px;
}

.footer-contact {
    margin-top: 16px;
}

.footer-contact a {
    color: var(--accent);
    font-weight: 600;
    font-size: 14px;
}

.footer-brand .logo { margin-bottom: 14px; }
.footer-brand .logo-text { color: #fff; }
.footer-brand .logo-accent { color: #FBBF24; }
.footer-brand .logo-domain { color: rgba(255,255,255,0.4); }

.footer-brand p { font-size: 13px; line-height: 1.7; color: rgba(255,255,255,0.6); }

.footer-social { display: flex; gap: 8px; margin-top: 16px; }

.social-link {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: rgba(255,255,255,0.1);
    font-size: 12px;
    font-weight: 800;
    color: rgba(255,255,255,0.8);
    transition: var(--transition);
}

.social-link:hover { background: var(--primary); color: #fff; }

.footer-links h4 {
    color: #fff;
    font-size: 14px;
    font-weight: 800;
    margin-bottom: 14px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.footer-links a {
    display: block;
    font-size: 13px;
    padding: 4px 0;
    transition: var(--transition);
    color: rgba(255,255,255,0.6);
}

.footer-links a:hover {
    color: var(--accent);
    transform: translateX(3px);
}


.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    padding: 18px 0;
}

.footer-bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 12px;
    color: rgba(255,255,255,0.4);
}

.footer-bottom-inner p { color: rgba(255,255,255,0.4); }

.footer-badges { display: flex; gap: 16px; font-size: 12px; color: rgba(255,255,255,0.4); }

/* ===== STICKY BOTTOM ===== */
.sticky-bottom {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: var(--white);
    border-top: 1px solid var(--border);
    box-shadow: 0 -4px 20px rgba(0,0,0,0.08);
    z-index: 999;
    transform: translateY(100%);
    transition: transform 0.4s cubic-bezier(0.4,0,0.2,1);
    display: none;
}

.sticky-bottom.visible { transform: translateY(0); }

.sticky-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 20px;
    max-width: 1200px;
    margin: 0 auto;
}

.sticky-info { display: flex; flex-direction: column; }
.sticky-amount { font-size: 18px; font-weight: 900; color: var(--primary); }
.sticky-period { font-size: 12px; color: var(--text-muted); }

/* ===== MODALS ===== */
.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0,0,0,0.55);
    -webkit-backdrop-filter: blur(4px);
    backdrop-filter: blur(4px);
    z-index: 2000;
    display: none;
    align-items: center;
    justify-content: center;
    padding: 20px;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
}

.modal-overlay.active { display: flex; }

.modal {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 28px;
    width: 100%;
    max-width: 480px;
    position: relative;
    -webkit-animation: modalIn 0.35s cubic-bezier(0.34,1.56,0.64,1);
    animation: modalIn 0.35s cubic-bezier(0.34,1.56,0.64,1);
}

.modal.modal-offers {
    padding: 0;
    max-height: 85vh;
    max-height: -webkit-fill-available;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
}

@-webkit-keyframes modalIn {
    from { -webkit-transform: scale(0.93) translateY(20px); opacity: 0; }
    to { -webkit-transform: scale(1) translateY(0); opacity: 1; }
}
@keyframes modalIn {
    from { transform: scale(0.93) translateY(20px); opacity: 0; }
    to { transform: scale(1) translateY(0); opacity: 1; }
}

.modal-close {
    position: absolute;
    top: 14px;
    right: 18px;
    background: none;
    border: none;
    font-size: 26px;
    color: var(--text-muted);
    cursor: pointer;
    width: 34px;
    height: 34px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    transition: var(--transition);
}

.modal-close:hover { background: var(--bg-soft); color: var(--text); }

.modal-badge {
    display: inline-block;
    background: var(--success-light);
    color: var(--success);
    padding: 6px 14px;
    border-radius: var(--radius-pill);
    font-size: 12px;
    font-weight: 700;
    margin-bottom: 14px;
    letter-spacing: 0.3px;
}

.modal h2 {
    font-size: 22px;
    font-weight: 900;
    margin-bottom: 6px;
}

.modal-subtitle {
    color: var(--text-muted);
    margin-bottom: 20px;
    font-size: 14px;
}

/* ===== FORM ===== */
.form-sliders {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    margin-bottom: 18px;
    padding: 14px;
    background: var(--bg-soft);
    border-radius: var(--radius-sm);
}

.form-slider-group .slider-label { font-size: 12px; }
.form-slider-group .slider-value { font-size: 14px; }

.form-group { margin-bottom: 14px; }

.form-group label {
    display: block;
    font-size: 12px;
    font-weight: 700;
    margin-bottom: 5px;
    color: var(--text);
}

.form-group input,
.form-group select {
    width: 100%;
    padding: 11px 14px;
    border: 2px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: 'Manrope', sans-serif;
    font-size: 14px;
    transition: var(--transition);
    background: var(--white);
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(30,64,175,0.08);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
}

.input-prefix {
    display: flex;
    align-items: center;
    border: 2px solid var(--border);
    border-radius: var(--radius-sm);
    overflow: hidden;
    transition: var(--transition);
}

.input-prefix:focus-within {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(30,64,175,0.08);
}

.input-prefix .prefix {
    padding: 11px 12px;
    background: var(--bg-soft);
    font-weight: 700;
    font-size: 14px;
    color: var(--text-muted);
    border-right: 1px solid var(--border);
}

.input-prefix input {
    border: none;
    padding: 11px 14px;
}

.input-prefix input:focus { box-shadow: none; }

.form-check {
    display: flex;
    gap: 8px;
    align-items: flex-start;
    margin-bottom: 10px;
    font-size: 12px;
    color: var(--text-muted);
}

.form-check input[type="checkbox"] {
    margin-top: 2px;
    accent-color: var(--primary);
}

.form-check a { color: var(--primary); text-decoration: underline; }

.skip-link {
    display: block;
    width: 100%;
    text-align: center;
    margin-top: 14px;
    background: none;
    border: none;
    font-family: 'Manrope', sans-serif;
    font-size: 12px;
    color: var(--text-muted);
    cursor: pointer;
    text-decoration: underline;
    transition: var(--transition);
}

.skip-link:hover { color: var(--primary); }

/* ===== LOADING (Countdown) ===== */
.loading-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(15,23,42,0.97);
    z-index: 3000;
    display: none;
    align-items: center;
    justify-content: center;
}

.loading-overlay.active { display: flex; }

.loading-content { text-align: center; color: #fff; }
.loading-content h3 { color: #fff; }
.loading-content p { color: rgba(255,255,255,0.6); }

.countdown-ring {
    position: relative;
    width: 100px;
    height: 100px;
    margin: 0 auto 24px;
}

.countdown-number {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    font-size: 36px;
    font-weight: 900;
    color: var(--accent);
}

.loading-content h3 {
    font-size: 24px;
    font-weight: 800;
    margin-bottom: 8px;
}

.loading-text {
    font-size: 16px;
    opacity: 0.6;
    margin-bottom: 32px;
}

.loading-steps {
    display: flex;
    flex-direction: column;
    gap: 14px;
    text-align: left;
    max-width: 300px;
    margin: 0 auto;
}

.loading-step {
    font-size: 15px;
    opacity: 0.3;
    transition: all 0.4s ease;
    display: flex;
    gap: 10px;
    align-items: center;
    font-weight: 500;
}

.step-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: rgba(255,255,255,0.2);
    flex-shrink: 0;
    transition: all 0.4s ease;
}

.loading-step.active { opacity: 1; }
.loading-step.active .step-dot {
    background: var(--accent);
    box-shadow: 0 0 8px rgba(251,191,36,0.6);
    animation: dotPulse 1s infinite;
}

.loading-step.done { opacity: 0.7; }
.loading-step.done .step-dot {
    background: #059669;
    animation: none;
}

@keyframes dotPulse {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.3); }
}

/* ===== OFFER CARDS V2 ===== */
.offer-card-v2 {
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    margin-bottom: 16px;
    transition: transform .2s, box-shadow .2s;
    position: relative;
    overflow: hidden;
    background: #fff;
    box-shadow: var(--shadow);
}
.offer-card-v2:last-child { margin-bottom: 0; }
.offer-card-v2:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-lg);
}

/* Recommended highlight */
.offer-card-v2.oc-recommended {
    border-color: var(--accent);
    box-shadow: 0 0 0 1px var(--accent), var(--shadow);
}

.oc-recommended-ribbon {
    background: var(--accent);
    color: var(--primary-darker);
    font-size: 12px;
    font-weight: 800;
    padding: 6px 0;
    text-align: center;
    letter-spacing: .3px;
}

/* Header: logo area */
.oc-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 20px 0;
}

.oc-logo-wrap {
    display: flex;
    align-items: center;
    background: var(--bg-soft);
    border-radius: var(--radius);
    padding: 8px 16px;
}

.oc-logo-img {
    height: 48px;
    width: auto;
    max-width: 140px;
    object-fit: contain;
}

.oc-logo-fallback {
    height: 48px;
    padding: 0 20px;
    border-radius: var(--radius);
    background: linear-gradient(135deg, #1E40AF, #1e3a8a);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 900;
    font-size: 16px;
}

.oc-badge {
    font-size: 11px;
    font-weight: 800;
    padding: 5px 14px;
    border-radius: 100px;
    white-space: nowrap;
    flex-shrink: 0;
    letter-spacing: 0.2px;
}
.oc-badge-recommended { background: #DBEAFE; color: #1E40AF; }
.oc-badge-lowrate { background: #D1FAE5; color: #059669; }
.oc-badge-fast { background: #FEE2E2; color: #DC2626; }

/* USP tagline */
.oc-usp {
    font-size: 14px;
    color: #374151;
    font-weight: 600;
    padding: 10px 20px 0;
    line-height: 1.4;
}

/* Stats 2x2 grid */
.oc-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    margin: 14px 20px 0;
    border: 1px solid var(--border);
    border-radius: 10px;
    overflow: hidden;
}

.oc-stat {
    padding: 10px 14px;
    display: flex;
    flex-direction: column;
    gap: 2px;
    border-bottom: 1px solid var(--border);
    background: var(--bg-soft);
}
.oc-stat:nth-child(odd) { border-right: 1px solid var(--border); }
.oc-stat:nth-child(3), .oc-stat:nth-child(4) { border-bottom: none; }

.oc-stat-label {
    font-size: 10px;
    color: #9CA3AF;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.oc-stat-value {
    font-size: 14px;
    font-weight: 800;
    color: #111827;
}

/* Feature tags */
.oc-features {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
    padding: 14px 20px 0;
}

.oc-feature {
    font-size: 11px;
    font-weight: 700;
    color: var(--success);
    background: var(--success-light);
    padding: 4px 10px;
    border-radius: 100px;
}

/* Bottom: CTA + trust */
.oc-bottom { padding: 16px 20px 18px; }

.oc-cta {
    font-size: 16px;
    font-weight: 800;
    padding: 14px 24px;
    border-radius: var(--radius);
}

.oc-trust {
    text-align: center;
    font-size: 10px;
    color: #9CA3AF;
    margin-top: 10px;
    font-weight: 600;
    letter-spacing: 0.3px;
}

/* ===== OFFERS MODAL ===== */

.offers-modal-header {
    padding: 24px 28px 18px;
    border-bottom: 1px solid var(--border);
    text-align: center;
    flex-shrink: 0;
}

.offers-modal-header h2 {
    font-size: 20px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 3px;
}

.offers-modal-header p {
    font-size: 14px;
    color: var(--text-muted);
    margin-bottom: 4px;
}

.offers-modal-footer {
    padding: 12px 28px 16px;
    border-top: 1px solid var(--border);
    flex-shrink: 0;
}

/* Offers grid */
.offers-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    max-width: 100%;
}

/* Offer cards container inside modal */
.offers-cards {
    padding: 16px 20px 20px;
}

@media (max-width: 900px) {
    .offers-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
}

.offers-header { text-align: center; margin-bottom: 24px; }

.offers-live {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 12px;
    color: var(--text-muted);
    margin-top: 6px;
}

.live-dot {
    width: 7px;
    height: 7px;
    background: var(--success);
    border-radius: 50%;
    animation: pulse 2s infinite;
}

@keyframes pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.5; transform: scale(1.3); }
}

/* Lenders Section (homepage) */
.lenders-section {
    background: var(--white);
    border-bottom: 1px solid var(--border);
}

.lenders-trust-row {
    display: flex;
    justify-content: center;
    gap: 28px;
    margin-top: 32px;
    flex-wrap: wrap;
}

.lenders-trust-item {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 600;
    color: var(--success);
}

.offers-disclaimer {
    font-size: 11px;
    color: var(--text-muted);
    text-align: center;
    margin-top: 20px;
    line-height: 1.6;
}

/* ===== RESPONSIVE — TABLET ===== */
@media (max-width: 1024px) {
    .hero-inner { grid-template-columns: 1fr; gap: 32px; }
    .hero h1 { font-size: 34px; }
    .hero { padding: 90px 0 60px; min-height: auto; }
    .hero-content { text-align: center; }
    .hero-pills { justify-content: center; }
    .hero-trust { justify-content: center; }
    .hero-calculator { max-width: 500px; margin: 0 auto; }

    .content-with-sidebar { grid-template-columns: 1fr; }
    .content-sidebar { display: none; }
    .benefits-grid { grid-template-columns: 1fr; }
    .benefits-highlight { max-width: 400px; margin: 0 auto; }

    .footer-grid { grid-template-columns: 1.5fr 1fr 1fr 1fr; }
    .footer-grid > :last-child { display: none; }

    .offers-grid { grid-template-columns: 1fr 1fr; }
}

/* ===== RESPONSIVE — MOBILE ===== */
@media (max-width: 768px) {
    /* Base */
    .container { padding: 0 20px; }
    .section { padding: 48px 0; }
    .section-header { margin-bottom: 32px; }
    .section-header h2 { font-size: 24px; }
    .section-header p { font-size: 15px; }
    .section-tag { font-size: 11px; padding: 4px 12px; }

    /* Navbar */
    .navbar-inner { height: 56px; }
    .logo { font-size: 20px; }
    .logo-domain { font-size: 11px; }
    .nav-links {
        display: none !important;
        position: absolute;
        top: 56px;
        left: 0;
        right: 0;
        background: var(--white);
        flex-direction: column;
        padding: 8px 16px 16px;
        border-bottom: 1px solid var(--border);
        box-shadow: 0 10px 30px rgba(0,0,0,.1);
        z-index: 999;
    }
    .nav-links.active { display: flex !important; }
    .nav-cta { display: none; }
    .hamburger { display: flex; }
    .nav-link { padding: 12px 0; font-size: 15px; font-weight: 700; border-bottom: 1px solid var(--border); border-radius: 0; background: none; text-align: left; }
    .nav-link:last-child { border-bottom: none; }
    .nav-dropdown { border-bottom: 1px solid var(--border); padding-bottom: 0; }
    .nav-dropdown > .nav-link { border-bottom: none; padding-bottom: 8px; }
    .dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        border: none;
        padding: 0 0 8px 16px;
        min-width: auto;
    }
    .dropdown-menu a { padding: 10px 0; font-size: 14px; color: var(--text-muted); border-radius: 0; background: none; text-align: left; min-height: 44px; display: flex; align-items: center; }

    /* Hero */
    .hero { padding: 80px 0 48px; }
    .hero h1 { font-size: 26px; }
    .hero-subtitle { font-size: 15px; }
    .hero-badge { font-size: 12px; }
    .hero-pills { gap: 6px; }
    .pill { font-size: 11px; padding: 4px 10px; }
    .hero-trust { gap: 12px; margin-top: 20px; }
    .trust-item { font-size: 11px; }
    .hero-calculator { max-width: 100%; }

    /* Calculator — full width on mobile */
    .hero-content { text-align: center; }
    .hero-calculator { width: 100%; max-width: 100%; }
    .calc-card { border-radius: var(--radius); }
    .calc-header { padding: 14px 16px; }
    .calc-title { font-size: 18px; }
    .calc-badge { font-size: 11px; padding: 4px 10px; }
    .calc-body { padding: 4px 16px 20px; }
    .calc-body .btn-accent { font-size: 15px; padding: 14px 20px; }
    .slider-value { font-size: 16px; }
    .calc-summary { padding: 12px; }
    .calc-summary-total .summary-value { font-size: 20px; }

    /* Page header */
    .page-header { padding: 76px 0 32px; }
    .page-header h1 { font-size: 24px; }
    .page-header-sub { font-size: 14px; }
    .breadcrumb { font-size: 12px; margin-bottom: 12px; }

    /* Stats */
    .stats-bar { padding: 32px 0; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
    .stat-number { font-size: 28px; }
    .stat-label { font-size: 12px; }

    /* Steps */
    .steps-grid { grid-template-columns: 1fr; gap: 16px; }
    .step-connector { display: none; }
    .step-card { padding: 28px 20px; }
    .step-icon { width: 56px; height: 56px; font-size: 28px; }
    .step-card h3 { font-size: 17px; }
    .step-card p { font-size: 14px; }

    /* Loan types */
    .loan-types-grid { grid-template-columns: 1fr; gap: 12px; }
    .loan-type-card { padding: 20px; }
    .lt-icon { width: 48px; height: 48px; font-size: 26px; margin-bottom: 12px; }

    /* Benefits */
    .benefit-item { padding: 16px; gap: 12px; }
    .benefit-icon { width: 44px; height: 44px; font-size: 22px; }
    .highlight-card { padding: 28px 20px; }
    .highlight-stat { font-size: 48px; }

    /* Requirements */
    .requirements-grid { grid-template-columns: 1fr; gap: 12px; }
    .req-card { padding: 20px; }
    .req-icon { font-size: 28px; }

    /* Testimonials */
    .testimonials-grid { grid-template-columns: 1fr; gap: 12px; }
    .testimonial-card { padding: 20px; }

    /* FAQ */
    .faq-question { padding: 14px 16px; font-size: 14px; }
    .faq-answer p { padding: 0 16px 14px; font-size: 13px; }

    /* CTA sections */
    .cta-strip { padding: 48px 0; }
    .cta-strip-inner h2 { font-size: 24px; }
    .cta-strip-inner p { font-size: 15px; }
    .bottom-cta { padding: 48px 0; }
    .bottom-cta-inner h2 { font-size: 26px; }
    .bottom-cta-inner p { font-size: 15px; }
    .cta-inline { padding: 24px 20px; }
    .cta-inline h3 { font-size: 18px; }

    /* Content pages */
    .content-narrow h2 { font-size: 22px; margin-top: 32px; }
    .content-narrow h3 { font-size: 17px; }
    .content-narrow p { font-size: 14px; }
    .info-box { padding: 16px; }
    .content-list li { font-size: 14px; }
    .table-responsive { margin: 16px -16px; }
    .content-table th, .content-table td { padding: 8px 10px; font-size: 12px; }
    .content-main article h2 { font-size: 20px; }
    .content-main article h3 { font-size: 16px; }
    .content-main article p { font-size: 14px; }

    /* How it works detailed */
    .how-step-detailed { margin-bottom: 32px; padding-bottom: 28px; }
    .how-step-detailed h2 { font-size: 20px; }

    /* Values */
    .values-grid { grid-template-columns: 1fr; gap: 12px; }
    .value-item { padding: 20px; }

    /* Contact */
    .contact-grid { grid-template-columns: 1fr; gap: 32px; }
    .contact-form-card { padding: 20px; }

    /* Blog */
    .blog-grid { grid-template-columns: 1fr; gap: 12px; }
    .blog-card { padding: 20px; }
    .blog-card h2 { font-size: 17px; }

    /* Legal */
    .legal-content h2 { font-size: 18px; }
    .legal-content p, .legal-content li { font-size: 14px; }

    /* Footer */
    .footer { padding: 40px 0 0; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 20px; }
    .footer-brand { grid-column: 1 / -1; }
    .footer-brand p { font-size: 13px; }
    .footer-links h4 { font-size: 13px; margin-bottom: 10px; }
    .footer-links a { font-size: 13px; padding: 6px 0; }
    .footer-bottom { padding: 14px 0; }
    .footer-bottom-inner { flex-direction: column; gap: 8px; text-align: center; }
    .footer-bottom-inner p { font-size: 12px; }
    .footer-badges { font-size: 12px; gap: 12px; }

    /* Modal */
    .modal-overlay { padding: 0; align-items: flex-end; }
    .modal {
        border-radius: var(--radius-lg) var(--radius-lg) 0 0;
        padding: 20px;
        max-height: 85vh;
        margin: 0;
        -webkit-animation: modalSlideUp .3s ease;
        animation: modalSlideUp .3s ease;
    }
    .modal.modal-offers {
        border-radius: var(--radius-lg) var(--radius-lg) 0 0;
        margin: 0;
        max-height: 85vh;
    }
    .modal-close { top: 10px; right: 14px; }

    /* Offers modal mobile */
    .offers-modal-header { padding: 16px 16px 12px; }
    .offers-modal-header h2 { font-size: 18px; }
    .offers-modal-header p { font-size: 13px; }
    .offers-cards { padding: 12px 14px 16px; }
    .offers-modal-footer { padding: 10px 14px 14px; }

    /* Offer cards mobile */
    .offers-grid { grid-template-columns: 1fr; }
    .offer-card-v2 { margin-bottom: 12px; }
    .oc-recommended-ribbon { font-size: 11px; padding: 4px 0; }
    .oc-header { padding: 14px 14px 0; }
    .oc-logo-wrap { padding: 6px 12px; }
    .oc-logo-img { height: 36px; max-width: 110px; }
    .oc-badge { font-size: 10px; padding: 4px 10px; }
    .oc-usp { font-size: 12px; padding: 8px 14px 0; }
    .oc-stats { margin: 10px 14px 0; }
    .oc-stat { padding: 8px 10px; }
    .oc-stat-label { font-size: 11px; }
    .oc-stat-value { font-size: 13px; }
    .oc-features { padding: 10px 14px 0; }
    .oc-feature { font-size: 10px; padding: 3px 8px; }
    .oc-bottom { padding: 12px 14px 14px; }
    .oc-cta { font-size: 15px; padding: 12px 20px; }
    .oc-trust { font-size: 11px; margin-top: 8px; }

    /* Sticky bottom */
    .sticky-bottom { display: block; }
    .sticky-inner { padding: 10px 16px; }
    .sticky-amount { font-size: 16px; }

    /* Loading */
    .countdown-ring { width: 80px; height: 80px; margin-bottom: 16px; }
    .countdown-ring svg { width: 80px; height: 80px; }
    .countdown-number { font-size: 28px; }
    .loading-content h3 { font-size: 18px; }
    .loading-text { font-size: 13px; margin-bottom: 20px; }
    .loading-step { font-size: 13px; }

    /* Buttons */
    .btn-lg { padding: 14px 24px; font-size: 16px; }
}

@-webkit-keyframes modalSlideUp {
    from { -webkit-transform: translateY(100%); }
    to { -webkit-transform: translateY(0); }
}
@keyframes modalSlideUp {
    from { transform: translateY(100%); }
    to { transform: translateY(0); }
}

/* ===== RESPONSIVE — SMALL PHONE ===== */
@media (max-width: 480px) {
    .hero h1 { font-size: 22px; }
    .hero-subtitle { font-size: 14px; }
    .page-header h1 { font-size: 21px; }

    .stats-grid { gap: 12px; }
    .stat-number { font-size: 24px; }

    .section-header h2 { font-size: 20px; }
    .section { padding: 40px 0; }

    .footer-grid { grid-template-columns: 1fr; gap: 16px; }

    .oc-stat-label { font-size: 10px; }
    .oc-stat-value { font-size: 12px; }
    .oc-logo-img { height: 30px; }
    .oc-cta { font-size: 14px; padding: 11px 16px; }

    .calc-body .btn-accent { font-size: 14px; padding: 12px 16px; }
    .bottom-cta-inner h2 { font-size: 22px; }
    .cta-strip-inner h2 { font-size: 20px; }
}

/* ===== RESPONSIVE — VERY SMALL ===== */
@media (max-width: 360px) {
    .hero h1 { font-size: 20px; }
    .logo { font-size: 18px; }
    .oc-cta { font-size: 13px; }
    .btn-lg { padding: 12px 20px; font-size: 14px; }
}

/* ===== FORCE WHITE TEXT ON DARK BACKGROUNDS ===== */
/* This overrides any inherited dark text colors inside blue/dark sections */
.cta-inline h2,
.cta-inline h3,
.cta-inline p,
.cta-inline span,
.cta-inline a:not(.btn) { color: rgba(255,255,255,0.9) !important; }
.cta-inline h2,
.cta-inline h3 { color: #fff !important; }

.cta-strip-inner h2,
.cta-strip-inner p,
.cta-strip-inner span { color: rgba(255,255,255,0.9) !important; }
.cta-strip-inner h2 { color: #fff !important; }

.bottom-cta-inner h2,
.bottom-cta-inner p,
.bottom-cta-inner span { color: rgba(255,255,255,0.9) !important; }
.bottom-cta-inner h2 { color: #fff !important; }

.highlight-card h2,
.highlight-card h3,
.highlight-card p,
.highlight-card span,
.highlight-card li { color: rgba(255,255,255,0.9) !important; }
.highlight-card .highlight-stat { color: #fff !important; }

.page-header h1,
.page-header p,
.page-header span,
.page-header a:not(.btn) { color: rgba(255,255,255,0.85) !important; }
.page-header h1 { color: #fff !important; }

.hero-content h1,
.hero-content p,
.hero-content span { color: rgba(255,255,255,0.9) !important; }
.hero-content h1 { color: #fff !important; }
.hero-content .text-accent { color: var(--accent) !important; }

.loading-content h3,
.loading-content p,
.loading-content span { color: rgba(255,255,255,0.8) !important; }
.loading-content h3 { color: #fff !important; }
.loading-content .countdown-number { color: var(--accent) !important; }