/* =========================================================
   EMERALD LUX — Premium wealth-management fintech theme
   Deep emerald + champagne gold on warm ivory.
   Signature move: deep-emerald aurora hero with a fine
   gold hairline grid, an ivory glass calculator wearing a
   gradient-gold ring, and gold CTAs with a moving sheen.
   ========================================================= */

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

:root {
    /* Emerald core */
    --primary: #065F46;
    --primary-light: #047857;
    --primary-dark: #043D2E;
    --emerald-deep: #032A20;
    --emerald-glow: #10B981;

    /* Champagne gold accent */
    --accent: #C9A24B;
    --accent-light: #E9C46A;
    --accent-dark: #A9812F;
    --gold-sheen: #F4E4B8;

    --success: #0F9D6B;

    /* Warm ivory neutrals */
    --bg: #FDFCF9;
    --bg-soft: #F7F4EC;
    --bg-muted: #EFEADC;
    --ivory: #FFFEFB;

    --text: #1A2B22;
    --text-secondary: #4B5A50;
    --text-muted: #8A9188;
    --border: #E7E0CE;
    --border-strong: #D8CFB6;

    --radius: 18px;
    --radius-sm: 12px;
    --radius-xs: 8px;

    /* Layered, expensive shadows */
    --shadow: 0 1px 2px rgba(20,40,30,0.05), 0 6px 18px rgba(20,40,30,0.06);
    --shadow-md: 0 2px 8px rgba(20,40,30,0.06), 0 14px 40px rgba(20,40,30,0.10);
    --shadow-lg: 0 4px 14px rgba(6,60,45,0.10), 0 26px 70px rgba(6,60,45,0.18);
    --shadow-gold: 0 6px 20px rgba(201,162,75,0.28), 0 14px 44px rgba(201,162,75,0.18);
    --shadow-emerald: 0 10px 30px rgba(4,61,46,0.28);

    --gradient: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 55%, var(--primary-light) 100%);
    --gradient-accent: linear-gradient(135deg, var(--accent-light) 0%, var(--accent) 48%, var(--accent-dark) 100%);
    --gradient-gold-ring: linear-gradient(135deg, var(--gold-sheen), var(--accent) 45%, var(--accent-dark));
}

html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; }

body {
    font-family: 'Manrope', 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--text);
    background: var(--bg);
    line-height: 1.6;
    overflow-x: hidden;
    letter-spacing: -0.011em;
}

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

a { color: var(--primary-light); text-decoration: none; transition: color .2s ease; }
a:hover { text-decoration: underline; }
img { max-width: 100%; }

::selection { background: rgba(201,162,75,0.28); color: var(--primary-dark); }

/* ===== BUTTONS ===== */
.btn {
    position: relative;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 15px 34px;
    border: none;
    border-radius: 999px;
    font-family: inherit;
    font-size: 16px;
    font-weight: 700;
    letter-spacing: -0.01em;
    cursor: pointer;
    transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s cubic-bezier(.4,0,.2,1), filter .24s ease;
    text-decoration: none;
    overflow: hidden;
    isolation: isolate;
}
.btn:focus-visible { outline: 3px solid rgba(201,162,75,.55); outline-offset: 3px; }

/* Gold sheen sweep (shared premium CTA effect) */
.btn-primary, .nav-cta, .offer-cta.primary, .cmp-cta, .apply-cta, .lender-apply, .btn-submit {
    position: relative;
    overflow: hidden;
}
.btn-primary::before, .nav-cta::before, .offer-cta.primary::before,
.apply-cta::before, .lender-apply::before, .btn-submit::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(110deg, transparent 20%, rgba(255,255,255,.55) 48%, transparent 72%);
    transform: translateX(-130%);
    transition: transform .7s cubic-bezier(.4,0,.2,1);
    pointer-events: none;
    z-index: 1;
}
.btn-primary:hover::before, .nav-cta:hover::before, .offer-cta.primary:hover::before,
.apply-cta:hover::before, .lender-apply:hover::before, .btn-submit:hover::before {
    transform: translateX(130%);
}

.btn-primary {
    background: var(--gradient-accent);
    color: #3A2C05;
    box-shadow: 0 1px 0 rgba(255,255,255,.5) inset, var(--shadow-gold);
    text-shadow: 0 1px 0 rgba(255,255,255,.25);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 1px 0 rgba(255,255,255,.6) inset, 0 10px 26px rgba(201,162,75,.4), 0 20px 54px rgba(201,162,75,.24); }

.btn-white {
    background: var(--ivory);
    color: var(--primary);
    box-shadow: 0 1px 0 rgba(255,255,255,.8) inset, var(--shadow);
    border: 1px solid var(--border);
}
.btn-white:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }

.btn-full { width: 100%; }
.btn-lg { padding: 18px 40px; font-size: 18px; }
.btn-arrow { transition: transform .3s ease; position: relative; z-index: 2; }
.btn:hover .btn-arrow { transform: translateX(4px); }

/* ===== NAVBAR ===== */
.navbar {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    background: rgba(253,252,249,0.9);
    backdrop-filter: blur(10px) saturate(1.3);
    -webkit-backdrop-filter: blur(10px) saturate(1.3);
    border-bottom: 1px solid rgba(231,224,206,0.7);
    transition: box-shadow .3s ease, background .3s ease;
}
.navbar.scrolled { box-shadow: 0 6px 24px rgba(20,40,30,0.07); background: rgba(253,252,249,0.9); }

.nav-container { display: flex; align-items: center; justify-content: space-between; height: 74px; }

.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--text); }
.logo:hover, .logo:hover .logo-brand, .logo:hover .logo-sub { text-decoration: none; }
.logo-icon {
    width: 42px; height: 42px; flex-shrink: 0;
    display: inline-flex; align-items: center; justify-content: center;
}
.logo-mark { width: 100%; height: 100%; display: block; filter: drop-shadow(0 3px 8px rgba(3,42,32,0.28)); }
.logo-brand { font-size: 20px; font-weight: 800; color: var(--emerald-deep); letter-spacing: -0.025em; }
.logo-brand b { font-weight: 800; color: var(--primary-light); }
.logo-sub { font-size: 13px; color: var(--accent-dark); font-weight: 700; letter-spacing: .01em; }
.logo-text { display: flex; flex-direction: row; align-items: baseline; gap: 1px; line-height: 1; }

.nav-links { display: flex; list-style: none; gap: 34px; }
.nav-links a { color: var(--text-secondary); font-size: 15px; font-weight: 500; text-decoration: none; transition: color .2s; position: relative; }
.nav-links a::after {
    content: ""; position: absolute; left: 0; bottom: -6px; height: 2px; width: 0;
    background: var(--gradient-accent); border-radius: 2px; transition: width .25s cubic-bezier(.4,0,.2,1);
}
.nav-links a:hover { color: var(--primary); text-decoration: none; }
.nav-links a:hover::after { width: 100%; }

.nav-cta {
    padding: 11px 24px;
    background: var(--gradient-accent);
    color: #3A2C05;
    border: none;
    border-radius: 999px;
    font-family: inherit;
    font-size: 14px;
    font-weight: 700;
    cursor: pointer;
    box-shadow: 0 1px 0 rgba(255,255,255,.5) inset, 0 4px 14px rgba(201,162,75,.32);
    transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease;
}
.nav-cta:hover { transform: translateY(-1px); box-shadow: 0 1px 0 rgba(255,255,255,.6) inset, 0 8px 22px rgba(201,162,75,.42); }

.burger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 4px; }
.burger span { width: 24px; height: 2px; background: var(--primary); border-radius: 2px; transition: transform .25s ease, opacity .2s ease; }
.burger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger.active span:nth-child(2) { opacity: 0; transform: scaleX(.4); }
.burger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.nav-ico, .nav-menu-cta, .nav-menu-trust { display: none; }
.nav-backdrop {
    position: fixed; inset: 0; z-index: 999;
    background: rgba(3,42,32,0.5);
    backdrop-filter: blur(3px); -webkit-backdrop-filter: blur(3px);
    opacity: 0; pointer-events: none; transition: opacity .25s ease;
}
.nav-backdrop.active { opacity: 1; pointer-events: auto; }

/* ===== HERO ===== */
.hero {
    padding: 150px 0 96px;
    position: relative;
    overflow: hidden;
    background:
        radial-gradient(1200px 600px at 15% -10%, rgba(16,185,129,0.20), transparent 60%),
        radial-gradient(1000px 700px at 110% 20%, rgba(201,162,75,0.16), transparent 55%),
        radial-gradient(900px 900px at 50% 130%, rgba(4,61,46,0.55), transparent 60%),
        linear-gradient(160deg, var(--emerald-deep) 0%, var(--primary-dark) 45%, var(--primary) 100%);
    color: #EAF3EE;
}
/* Fine gold hairline grid + luxe texture */
.hero::before {
    content: "";
    position: absolute; inset: 0;
    background-image:
        linear-gradient(rgba(201,162,75,0.10) 1px, transparent 1px),
        linear-gradient(90deg, rgba(201,162,75,0.10) 1px, transparent 1px);
    background-size: 60px 60px;
    mask-image: radial-gradient(circle at 60% 30%, #000 20%, transparent 78%);
    -webkit-mask-image: radial-gradient(circle at 60% 30%, #000 20%, transparent 78%);
    pointer-events: none;
}
.hero::after {
    content: "";
    position: absolute; left: 0; right: 0; bottom: -1px; height: 120px;
    background: linear-gradient(180deg, transparent, var(--bg));
    pointer-events: none;
}

.hero-bg-shapes { position: absolute; inset: 0; pointer-events: none; overflow: hidden; }
/* Static decorative glows — no perpetual animation (keeps the page light & smooth). */
.shape { position: absolute; border-radius: 50%; opacity: .5; filter: blur(24px); }
.shape-1 { width: 460px; height: 460px; top: -140px; right: -120px; background: radial-gradient(circle, rgba(201,162,75,0.5), transparent 70%); }
.shape-2 { width: 360px; height: 360px; bottom: -80px; left: -100px; background: radial-gradient(circle, rgba(16,185,129,0.5), transparent 70%); }
.shape-3 { width: 220px; height: 220px; top: 42%; left: 34%; background: radial-gradient(circle, rgba(233,196,106,0.4), transparent 70%); }

.hero-grid, .hero-container {
    display: grid;
    grid-template-columns: 1.05fr .95fr;
    gap: 64px;
    align-items: center;
    position: relative;
    z-index: 1;
}
.hero-content { position: relative; z-index: 1; }

.hero-badge {
    display: inline-flex; align-items: center; gap: 9px;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(201,162,75,0.42);
    padding: 8px 16px;
    border-radius: 999px;
    font-size: 12.5px;
    font-weight: 600;
    letter-spacing: .01em;
    color: var(--gold-sheen);
    margin-bottom: 26px;
    backdrop-filter: blur(6px);
    box-shadow: 0 1px 0 rgba(255,255,255,.08) inset;
}
.badge-dot { width: 8px; height: 8px; background: var(--emerald-glow); border-radius: 50%; box-shadow: 0 0 0 4px rgba(16,185,129,.22); animation: pulse 2s ease-in-out infinite; }
@keyframes pulse { 0%,100% { opacity: 1; } 50% { opacity: .4; } }

.hero h1 {
    font-size: clamp(34px, 3.7vw, 50px);
    font-weight: 800;
    line-height: 1.12;
    letter-spacing: -0.025em;
    margin-bottom: 18px;
    color: #FFFFFF;
    text-shadow: 0 1px 0 rgba(255,255,255,0.08), 0 14px 40px rgba(3,42,32,0.45);
    text-wrap: balance;
}
.highlight {
    background: linear-gradient(110deg, var(--accent) 0%, var(--gold-sheen) 42%, var(--accent-light) 55%, var(--accent) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle { font-size: clamp(16px, 1.5vw, 18px); color: rgba(234,243,238,0.82); line-height: 1.7; margin-bottom: 26px; max-width: 40ch; }
.hero .byline, .hero-content .byline { color: rgba(234,243,238,0.72) !important; position: relative; z-index: 1; }

.hero-pills { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; margin-bottom: 30px; max-width: 470px; }
.pill {
    display: flex; align-items: center; gap: 8px;
    padding: 9px 16px;
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.14);
    border-radius: 999px;
    font-size: 13.5px; font-weight: 500; color: #E7F0EA;
    backdrop-filter: blur(4px);
    white-space: nowrap;
}
.pill-icon { color: var(--accent-light); font-weight: 800; }

.btn-hero { padding: 16px 38px; font-size: 17px; margin-bottom: 26px; }

.trust-row { display: flex; gap: 26px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 6px; font-size: 13px; color: rgba(234,243,238,0.7); font-weight: 500; }
.trust-icon { font-size: 16px; }

/* Hero stats row */
.hero-trust { margin-top: 22px; }
.stats-row { display: flex; gap: 34px; flex-wrap: wrap; }
.stat { display: flex; flex-direction: column; gap: 3px; position: relative; }
.stat:not(:last-child)::after {
    content: ""; position: absolute; top: 8%; bottom: 8%; right: -17px; width: 1px;
    background: linear-gradient(180deg, transparent, rgba(201,162,75,0.45), transparent);
}
.stat-number {
    font-size: clamp(28px, 3.4vw, 38px);
    font-weight: 800;
    letter-spacing: -0.03em;
    line-height: 1;
    background: linear-gradient(135deg, #FFFFFF 0%, var(--gold-sheen) 60%, var(--accent-light) 100%);
    -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.stat-label { font-size: 12.5px; color: rgba(234,243,238,0.68); font-weight: 500; letter-spacing: .01em; }

/* ===== CALCULATOR CARD ===== */
.hero-form-wrapper, .hero-calc { position: relative; z-index: 1; }

.calculator-card, .calc-card {
    position: relative;
    background: var(--ivory);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    border: 1px solid rgba(255,255,255,0.6);
}
/* Gold gradient ring */
.calculator-card::before, .calc-card::before {
    content: "";
    position: absolute; inset: 0;
    border-radius: inherit;
    padding: 1.5px;
    background: var(--gradient-gold-ring);
    -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
    -webkit-mask-composite: xor; mask-composite: exclude;
    pointer-events: none;
    z-index: 3;
}

.calc-header {
    background: var(--gradient);
    padding: 26px 30px;
    color: #fff;
    position: relative;
    box-shadow: 0 1px 0 rgba(255,255,255,.12) inset;
}
.calc-header::after {
    content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px;
    background: var(--gradient-accent);
}
.calc-header h2, .calc-header h3 { font-size: 20px; font-weight: 800; margin-bottom: 4px; letter-spacing: -0.02em; }
.calc-header p { font-size: 14px; opacity: .85; }

.calc-body { padding: 30px; }

.slider-group, .calc-field { margin-bottom: 24px; }
.slider-label, .calc-label-row {
    display: flex; justify-content: space-between; align-items: center;
    margin-bottom: 12px; font-size: 14px; font-weight: 600; color: var(--text);
}
.calc-label { font-size: 14px; font-weight: 600; color: var(--text); }
.slider-value, .calc-value { font-size: 19px; font-weight: 800; color: var(--primary); letter-spacing: -0.02em; white-space: nowrap; }

.range-slider {
    -webkit-appearance: none; appearance: none;
    width: 100%; height: 8px; border-radius: 999px;
    background: linear-gradient(90deg, var(--primary-light) 0 40%, var(--bg-muted) 40%);
    outline: none; cursor: pointer;
}
.range-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 26px; height: 26px; border-radius: 50%;
    background: radial-gradient(circle at 35% 30%, var(--gold-sheen), var(--accent) 60%, var(--accent-dark));
    border: 3px solid #fff;
    box-shadow: 0 3px 10px rgba(201,162,75,.5), 0 0 0 1px rgba(0,0,0,.04);
    cursor: pointer; transition: transform .2s;
}
.range-slider::-webkit-slider-thumb:hover { transform: scale(1.14); }
.range-slider::-moz-range-thumb {
    width: 26px; height: 26px; border-radius: 50%;
    background: radial-gradient(circle at 35% 30%, var(--gold-sheen), var(--accent) 60%, var(--accent-dark));
    border: 3px solid #fff;
    box-shadow: 0 3px 10px rgba(201,162,75,.5);
    cursor: pointer;
}

.slider-range, .range-bounds { display: flex; justify-content: space-between; font-size: 12px; color: var(--text-muted); margin-top: 8px; }

.calc-summary {
    display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px;
    background: linear-gradient(135deg, var(--bg-soft), var(--bg-muted));
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 18px; margin-bottom: 22px;
}
.summary-item { text-align: center; }
.summary-label { display: block; font-size: 10.5px; color: var(--text-muted); font-weight: 600; margin-bottom: 5px; text-transform: uppercase; letter-spacing: .06em; }
.summary-value { display: block; font-size: 18px; font-weight: 800; color: var(--primary); letter-spacing: -0.02em; }
.calc-disclaimer { font-size: 11px; color: var(--text-muted); text-align: center; margin-top: 12px; line-height: 1.5; }

/* ===== SECTION RHYTHM & HEADERS ===== */
.stats, .how-it-works, .benefits, .conditions, .reviews, .faq, .seo-content, .lenders, .costs-guide {
    padding: 96px 0;
}
.stats { background: var(--bg); }
.how-it-works, .conditions, .faq, .costs-guide { background: var(--bg-soft); }
.benefits, .reviews, .seo-content, .lenders { background: var(--bg); }

.section-header { text-align: center; margin-bottom: 56px; }
.section-badge {
    display: inline-block;
    padding: 7px 16px;
    background: rgba(201,162,75,0.14);
    color: var(--accent-dark);
    border: 1px solid rgba(201,162,75,0.35);
    border-radius: 999px;
    font-size: 12px; font-weight: 700; margin-bottom: 18px;
    text-transform: uppercase; letter-spacing: .12em;
}
.section-header h2 {
    font-size: clamp(30px, 4vw, 42px);
    font-weight: 800; color: var(--primary-dark);
    margin-bottom: 14px; letter-spacing: -0.03em; line-height: 1.1;
}
.section-header p { font-size: clamp(16px, 1.5vw, 18px); color: var(--text-secondary); max-width: 620px; margin: 0 auto; }

/* ===== STATS CARDS ===== */
.stats-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; }
.stat-card {
    text-align: center; padding: 32px 20px;
    background: var(--ivory);
    border-radius: var(--radius);
    border: 1px solid var(--border);
    box-shadow: var(--shadow);
    transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease;
}
.stat-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.stat-card .stat-number {
    display: block; font-size: 40px; font-weight: 800; margin-bottom: 4px;
    background: var(--gradient); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.stat-card .stat-label { font-size: 14px; color: var(--text-secondary); font-weight: 500; }
.stat-card .stat-number.stat-number-sm { font-size: 31px; line-height: 1.3; white-space: nowrap; }

/* ===== HOW IT WORKS ===== */
.steps-grid { display: flex; align-items: stretch; justify-content: center; gap: 18px; }
.step-card {
    flex: 1; max-width: 262px; text-align: center; padding: 34px 22px;
    background: var(--ivory); border-radius: var(--radius);
    box-shadow: var(--shadow); border: 1px solid var(--border);
    position: relative; transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease;
}
.step-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.step-number {
    position: absolute; top: -15px; left: 50%; transform: translateX(-50%);
    width: 30px; height: 30px; background: var(--gradient-accent); color: #3A2C05;
    border-radius: 50%; font-size: 14px; font-weight: 800;
    display: flex; align-items: center; justify-content: center;
    box-shadow: 0 4px 12px rgba(201,162,75,.4);
}
.step-icon { font-size: 40px; margin-bottom: 16px; display: block; }
.step-card h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; color: var(--primary-dark); }
.step-card p { font-size: 14px; color: var(--text-secondary); line-height: 1.6; }
.step-connector { font-size: 24px; color: var(--accent); font-weight: 700; margin-top: 60px; opacity: .55; }

/* ===== BENEFITS ===== */
.benefits-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 48px; }
.benefit-card {
    padding: 30px; background: var(--ivory);
    border-radius: var(--radius); border: 1px solid var(--border);
    box-shadow: var(--shadow);
    transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease, border-color .24s ease;
}
.benefit-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--accent); }
.benefit-icon {
    font-size: 30px; margin-bottom: 18px; display: inline-flex;
    width: 58px; height: 58px; align-items: center; justify-content: center;
    background: linear-gradient(135deg, rgba(6,95,70,0.1), rgba(201,162,75,0.14));
    border: 1px solid var(--border); border-radius: 14px;
}
.benefit-card h3 { font-size: 18px; font-weight: 700; margin-bottom: 8px; color: var(--primary-dark); letter-spacing: -0.01em; }
.benefit-card p { font-size: 14px; color: var(--text-secondary); line-height: 1.6; }

.benefits-highlight {
    background: var(--gradient); border-radius: var(--radius); padding: 46px; text-align: center; color: #fff;
    position: relative; overflow: hidden; box-shadow: var(--shadow-emerald), 0 1px 0 rgba(255,255,255,.12) inset;
}
.benefits-highlight::before {
    content: ""; position: absolute; inset: 0;
    background: radial-gradient(600px 300px at 80% -20%, rgba(201,162,75,0.28), transparent 60%);
    pointer-events: none;
}
.highlight-stat { margin-bottom: 16px; position: relative; }
.highlight-number {
    display: block; font-size: 58px; font-weight: 800; letter-spacing: -0.03em;
    background: linear-gradient(135deg, #fff, var(--gold-sheen));
    -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.highlight-label { font-size: 16px; opacity: .9; font-weight: 600; }
.benefits-highlight p { font-size: 16px; opacity: .92; max-width: 600px; margin: 0 auto 24px; line-height: 1.7; position: relative; }
.benefits-highlight .btn-primary { background: var(--ivory); color: var(--primary); box-shadow: 0 4px 16px rgba(0,0,0,.18); }
.benefits-highlight .btn-primary::before { display: none; }

/* ===== CONDITIONS ===== */
.conditions-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.condition-card {
    text-align: center; padding: 30px 22px; background: var(--ivory);
    border-radius: var(--radius); box-shadow: var(--shadow); border: 1px solid var(--border);
    transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease;
}
.condition-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.condition-icon { font-size: 40px; margin-bottom: 12px; display: block; }
.condition-card h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; color: var(--primary-dark); }
.condition-card p { font-size: 14px; color: var(--text-secondary); line-height: 1.5; }

/* ===== CTA MID ===== */
.cta-mid { padding: 76px 0; background: var(--gradient); position: relative; overflow: hidden; }
.cta-mid::before { content: ""; position: absolute; inset: 0; background: radial-gradient(700px 300px at 50% -30%, rgba(201,162,75,0.3), transparent 60%); }
.cta-mid-content { text-align: center; color: #fff; position: relative; }
.cta-mid-content h2 { font-size: clamp(28px, 3.6vw, 34px); font-weight: 800; margin-bottom: 12px; letter-spacing: -0.03em; }
.cta-mid-content p { font-size: 17px; opacity: .9; margin: 0 auto 26px; max-width: 600px; }

/* ===== REVIEWS ===== */
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.review-card {
    padding: 30px; background: var(--ivory); border-radius: var(--radius);
    border: 1px solid var(--border); box-shadow: var(--shadow);
    transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease;
}
.review-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.review-stars { color: var(--accent); font-size: 20px; margin-bottom: 16px; letter-spacing: 2px; }
.review-text { font-size: 15px; color: var(--text-secondary); line-height: 1.7; font-style: italic; margin-bottom: 20px; }
.review-author { display: flex; align-items: center; gap: 12px; }
.review-avatar {
    width: 46px; height: 46px; border-radius: 50%;
    background: var(--gradient); color: #fff;
    display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 18px;
    box-shadow: var(--shadow-emerald);
}
.review-author strong { display: block; font-size: 15px; color: var(--text); }
.review-author span { font-size: 13px; color: var(--text-muted); }

/* ===== FAQ ===== */
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item {
    background: var(--ivory); border-radius: var(--radius-sm);
    border: 1px solid var(--border); margin-bottom: 12px; overflow: hidden;
    box-shadow: var(--shadow); transition: box-shadow .3s ease, border-color .3s ease;
}
.faq-item:hover { box-shadow: var(--shadow-md); border-color: var(--border-strong); }
.faq-item.active { border-color: var(--accent); }
.faq-question {
    width: 100%; display: flex; justify-content: space-between; align-items: center;
    padding: 20px 24px; background: none; border: none; font-family: inherit;
    font-size: 16px; font-weight: 600; color: var(--text); cursor: pointer; text-align: left; transition: color .2s;
}
.faq-question:hover { color: var(--primary); }
.faq-toggle { font-size: 24px; font-weight: 400; color: var(--accent-dark); transition: transform .35s ease; flex-shrink: 0; margin-left: 16px; }
.faq-item.active .faq-toggle { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .35s ease, padding .35s ease; }
.faq-item.active .faq-answer { max-height: 320px; }
.faq-answer p { padding: 0 24px 20px; font-size: 15px; color: var(--text-secondary); line-height: 1.7; }

/* ===== SEO CONTENT ===== */
.seo-grid { display: grid; grid-template-columns: 2fr 1fr; gap: 44px; }
.seo-main h2 { font-size: 28px; font-weight: 800; color: var(--primary-dark); margin-bottom: 16px; letter-spacing: -0.02em; }
.seo-main h3 { font-size: 20px; font-weight: 700; color: var(--primary-dark); margin: 26px 0 12px; }
.seo-main p { font-size: 15px; color: var(--text-secondary); line-height: 1.8; margin-bottom: 12px; }
.seo-main ul { margin: 12px 0 12px 20px; }
.seo-main li { font-size: 15px; color: var(--text-secondary); line-height: 1.8; margin-bottom: 6px; }

.sidebar-card { background: var(--bg-soft); border: 1px solid var(--border); border-radius: var(--radius); padding: 26px; margin-bottom: 20px; box-shadow: var(--shadow); }
.sidebar-card h4 { font-size: 16px; font-weight: 700; margin-bottom: 12px; color: var(--primary-dark); }
.sidebar-card ul { list-style: none; }
.sidebar-card li { font-size: 14px; color: var(--text-secondary); padding: 9px 0; border-bottom: 1px solid var(--border); }
.sidebar-card li:last-child { border-bottom: none; }

/* ===== CTA BOTTOM ===== */
.cta-bottom {
    padding: 96px 0; position: relative; overflow: hidden;
    background:
        radial-gradient(800px 400px at 20% 0%, rgba(201,162,75,0.22), transparent 60%),
        linear-gradient(135deg, var(--emerald-deep) 0%, var(--primary) 55%, var(--primary-light) 100%);
}
.cta-bottom-content { text-align: center; color: #fff; position: relative; }
.cta-bottom-content h2 { font-size: clamp(30px, 4vw, 40px); font-weight: 800; margin-bottom: 16px; letter-spacing: -0.03em; }
.cta-bottom-content p { font-size: 17px; opacity: .9; max-width: 600px; margin: 0 auto 28px; line-height: 1.7; }

/* ===== FOOTER ===== */
.footer { background: var(--emerald-deep); color: #C5D6CD; padding: 68px 0 0; position: relative; }
.footer::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 2px; background: var(--gradient-accent); opacity: .55; }
.footer-grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1.15fr 1fr .9fr; gap: 26px; margin-bottom: 44px; }
.footer-brand p { font-size: 14px; line-height: 1.7; margin-top: 16px; opacity: .82; }
.footer-brand .logo-brand { color: #fff; }
.footer-brand .logo-brand b { color: #9BD8C0; }
.footer-brand .logo-sub { color: var(--accent-light); }
.footer-links h4 { color: #fff; font-size: 15px; font-weight: 700; margin-bottom: 16px; letter-spacing: -0.01em; }
.footer-links ul { list-style: none; }
.footer-links li { margin-bottom: 11px; }
.footer-links a { color: #9DB1A7; font-size: 14px; text-decoration: none; transition: color .2s; }
.footer-links a:hover { color: var(--accent-light); text-decoration: none; }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; padding: 22px 0; border-top: 1px solid rgba(255,255,255,0.08); }
.footer-bottom p { font-size: 13px; opacity: .7; }
.footer-badges { display: flex; gap: 16px; }
.footer-badge { font-size: 12px; padding: 5px 12px; background: rgba(255,255,255,0.06); border: 1px solid rgba(201,162,75,0.3); border-radius: 6px; color: var(--gold-sheen); }
.footer-disclaimer { padding: 20px 0; border-top: 1px solid rgba(255,255,255,0.08); }
.footer-disclaimer p { font-size: 12px; opacity: .58; line-height: 1.7; }

/* ===== MODALS ===== */
.modal-overlay {
    position: fixed; inset: 0;
    background: radial-gradient(120% 100% at 50% 0%, rgba(6,95,70,0.62), rgba(3,42,32,0.85));
    backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
    z-index: 2000; display: none; align-items: center; justify-content: center; padding: 20px; overflow-y: auto;
    scrollbar-width: none; -ms-overflow-style: none;
}
.modal-overlay::-webkit-scrollbar { display: none; width: 0; }
.modal-overlay.active { display: flex; }
.modal-content {
    background: var(--ivory); border-radius: 20px;
    width: 100%; min-width: 0; max-width: min(560px, 100%); max-height: 90vh; overflow-y: auto;
    position: relative; animation: modalSlideUp .35s cubic-bezier(.4,0,.2,1);
    box-shadow: 0 40px 90px -20px rgba(3,42,32,0.6), 0 0 0 1px rgba(255,255,255,0.09);
    scrollbar-width: none; -ms-overflow-style: none;
}
.modal-content::-webkit-scrollbar { display: none; width: 0; }
@keyframes modalSlideUp { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: translateY(0); } }
.modal-close {
    position: absolute; top: 16px; right: 16px; width: 36px; height: 36px; border-radius: 50%;
    background: rgba(0,0,0,0.05); border: none; font-size: 22px; cursor: pointer;
    display: flex; align-items: center; justify-content: center; color: var(--text-muted); transition: all .2s; z-index: 30;
}
.modal-close:hover { background: rgba(0,0,0,0.1); color: var(--text); }

/* ===== FORM MODAL ===== */
.form-modal-header { background: var(--gradient); padding: 26px 32px 20px; color: #fff; position: relative; overflow: hidden; }
.form-modal-header::before { content: ""; position: absolute; top: -70px; right: -50px; width: 240px; height: 240px; background: radial-gradient(circle, rgba(233,196,106,0.26), transparent 65%); pointer-events: none; }
.form-modal-header::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; background: var(--gradient-accent); }
.form-modal-header h2 { font-size: 21px; font-weight: 800; margin-bottom: 4px; letter-spacing: -0.02em; position: relative; }
.form-modal-header p { font-size: 13.5px; opacity: .85; position: relative; }
.fm-badge {
    display: inline-flex; align-items: center; gap: 6px; margin-bottom: 12px;
    font-size: 11px; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: #F3E5C0;
    background: rgba(255,255,255,0.13); border: 1px solid rgba(255,255,255,0.2); padding: 4px 12px; border-radius: 999px; position: relative;
}
.fm-badge .ico { width: 13px; height: 13px; }
.fm-steps { display: flex; align-items: center; gap: 10px; margin-top: 16px; position: relative; }
.fm-step { display: inline-flex; align-items: center; gap: 7px; font-size: 12.5px; font-weight: 600; color: rgba(255,255,255,0.55); white-space: nowrap; }
.fm-step i {
    font-style: normal; width: 22px; height: 22px; border-radius: 50%; flex-shrink: 0;
    display: inline-flex; align-items: center; justify-content: center; font-size: 11.5px; font-weight: 800;
    background: rgba(255,255,255,0.13); border: 1px solid rgba(255,255,255,0.25);
}
.fm-step.is-active { color: #fff; }
.fm-step.is-active i { background: var(--gradient-accent); border-color: transparent; color: #3A2C05; }
.fm-step-line { flex: 1; height: 2px; min-width: 24px; border-radius: 2px; background: linear-gradient(90deg, rgba(233,196,106,0.8), rgba(255,255,255,0.15)); }
.form-modal .modal-close { color: rgba(255,255,255,0.75); background: rgba(255,255,255,0.15); }
.form-modal .modal-close:hover { background: rgba(255,255,255,0.25); color: #fff; }
#applicationForm { padding: 24px 32px 28px; }
.form-sliders {
    display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px 22px; margin-bottom: 20px;
    padding: 16px 18px 18px; background: var(--bg-soft); border: 1px solid var(--border); border-radius: 14px;
}
.form-slider-group .slider-label { margin-bottom: 8px; font-size: 13px; }
.form-slider-group .slider-value { font-size: 14px; background: rgba(201,162,75,0.15); color: var(--accent-dark); padding: 2px 11px; border-radius: 999px; }
.form-fields { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; margin-bottom: 18px; }
.fg-wide { grid-column: 1 / -1; }
.form-group label { display: block; font-size: 13px; font-weight: 600; color: var(--text); margin-bottom: 6px; }
.input-wrap { position: relative; }
.input-ico { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); width: 16px; height: 16px; color: var(--text-muted); pointer-events: none; transition: color .2s; }
.input-wrap:focus-within .input-ico { color: var(--accent-dark); }
.form-group input {
    width: 100%; padding: 13px 15px 13px 41px; border: 1.5px solid var(--border); border-radius: 12px;
    font-family: inherit; font-size: 15px; color: var(--text); background: #fff; transition: border-color .2s, box-shadow .2s; outline: none;
}
.form-group input:focus { border-color: var(--accent); box-shadow: 0 0 0 4px rgba(201,162,75,0.16); }
.form-group input.error { border-color: #DC2626; box-shadow: 0 0 0 4px rgba(220,38,38,.12); }
.form-group.error .input-ico { color: #DC2626; }
.req { color: #DC2626; font-weight: 700; }
.field-hint { display: block; font-size: 12px; color: var(--text-muted); margin-top: 5px; }
.field-error { display: none; font-size: 12px; color: #DC2626; margin-top: 5px; font-weight: 500; }
.form-group.error .field-error { display: block; }
.form-group.error .field-hint { display: none; }
.form-required-note { grid-column: 1 / -1; font-size: 12px; color: var(--text-muted); margin: 0; }
.form-checkboxes { margin-bottom: 20px; display: flex; flex-direction: column; gap: 10px; }
.checkbox-label {
    display: flex; align-items: flex-start; gap: 10px; font-size: 13px; color: var(--text-secondary); cursor: pointer; line-height: 1.5;
    padding: 11px 14px; background: var(--bg-soft); border: 1px solid var(--border); border-radius: 12px;
    transition: border-color .2s, background .2s;
}
.checkbox-label:hover { border-color: var(--border-strong); }
.checkbox-label:has(input:checked) { border-color: rgba(201,162,75,0.55); background: rgba(201,162,75,0.07); }
.checkbox-label input[type="checkbox"] { margin-top: 2px; flex-shrink: 0; width: 18px; height: 18px; accent-color: var(--primary); }
.checkbox-label a { color: var(--primary-light); }
.btn-submit { font-size: 17px; padding: 16px; background: var(--gradient-accent); color: #3A2C05; border: none; border-radius: 999px; font-weight: 700; cursor: pointer; box-shadow: 0 1px 0 rgba(255,255,255,.5) inset, var(--shadow-gold); transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease; }
.btn-submit:hover { transform: translateY(-2px); }
.form-note { text-align: center; font-size: 12px; color: var(--text-muted); margin-top: 12px; }

/* ===== LOADING OVERLAY ===== */
.loading-content {
    text-align: center; color: #fff; animation: modalSlideUp .35s ease;
    width: 100%; max-width: 430px; padding: 36px 32px 30px;
    background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.14); border-radius: 24px;
    backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
    box-shadow: 0 40px 90px -20px rgba(0,0,0,0.5);
}
.loading-spin-wrap { position: relative; width: 72px; height: 72px; margin: 0 auto 20px; }
.loading-spinner { width: 72px; height: 72px; border: 3px solid rgba(255,255,255,0.16); border-top-color: var(--accent-light); border-radius: 50%; animation: spin .85s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.loading-ico { position: absolute; inset: 0; margin: auto; width: 26px; height: 26px; color: var(--accent-light); }
.loading-content h3 { font-size: 21px; font-weight: 800; margin-bottom: 6px; letter-spacing: -0.01em; }
.loading-content > p { font-size: 14px; opacity: .75; margin-bottom: 20px; }
.loading-dots span { animation: blink 1.4s infinite; font-size: 18px; }
.loading-dots span:nth-child(2) { animation-delay: .2s; }
.loading-dots span:nth-child(3) { animation-delay: .4s; }
@keyframes blink { 0%,20% { opacity: 0; } 50% { opacity: 1; } 100% { opacity: 0; } }
.loading-bar { height: 6px; border-radius: 999px; background: rgba(255,255,255,0.14); overflow: hidden; margin-bottom: 20px; }
.loading-bar-fill { display: block; width: 0; height: 100%; border-radius: 999px; background: var(--gradient-accent); }
/* Bar animates ONLY on the loading overlay (not on form/offers overlays that share .modal-overlay.active).
   The .is-loading class is toggled by JS at the same instant the 3s step timeline starts, so both stay in sync. */
#loadingOverlay.is-loading .loading-bar-fill { animation: loadFill 3s linear forwards; }
@keyframes loadFill { 0% { width: 0%; } 33.3% { width: 40%; } 66.6% { width: 74%; } 90% { width: 94%; } 100% { width: 100%; } }
.loading-steps { display: flex; flex-direction: column; gap: 8px; }
.loading-step {
    display: flex; align-items: center; gap: 11px; font-size: 13.5px; text-align: left; color: rgba(255,255,255,0.5);
    background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.08); border-radius: 12px; padding: 10px 14px;
    transition: color .35s ease, background .35s ease, border-color .35s ease;
}
.loading-step.active { color: #fff; background: rgba(255,255,255,0.11); border-color: rgba(233,196,106,0.45); }
.loading-step.done { color: rgba(255,255,255,0.85); }
.step-check {
    display: inline-flex; align-items: center; justify-content: center; width: 26px; height: 26px; flex-shrink: 0;
    border-radius: 50%; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.16); color: rgba(255,255,255,0.65);
    transition: background .35s ease, color .35s ease;
}
.step-check .ico { width: 14px; height: 14px; }
.loading-step.done .step-check { background: var(--gradient-accent); border-color: transparent; color: #2E2405; }

/* ===== OFFERS MODAL ===== */
.offers-modal { max-width: 660px; background: var(--bg-soft); }
.offers-header { background: var(--gradient); padding: 26px 32px 22px; color: #fff; text-align: center; position: sticky; top: 0; z-index: 20; overflow: hidden; }
.offers-header::before { content: ""; position: absolute; top: -70px; left: 50%; transform: translateX(-50%); width: 300px; height: 200px; background: radial-gradient(ellipse, rgba(233,196,106,0.22), transparent 65%); pointer-events: none; }
.offers-header::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; background: var(--gradient-accent); }
.offers-header h2 { font-size: 23px; font-weight: 800; margin-bottom: 6px; letter-spacing: -0.02em; position: relative; }
.offers-header h2 span { color: #F0D48A; }
.offers-header > p { font-size: 13.5px; opacity: .85; margin-bottom: 14px; position: relative; }
.offers-modal .modal-close { color: rgba(255,255,255,0.75); background: rgba(255,255,255,0.15); }
.offers-modal .modal-close:hover { background: rgba(255,255,255,0.25); color: #fff; }
.offers-meta { display: flex; flex-direction: row; justify-content: center; align-items: center; gap: 8px; flex-wrap: wrap; position: relative; }
.offers-amount { font-size: 14.5px; font-weight: 700; background: rgba(255,255,255,0.14); border: 1px solid rgba(255,255,255,0.2); padding: 6px 16px; border-radius: 999px; display: inline-block; }
.offers-edit {
    display: inline-flex; align-items: center; gap: 6px; font-family: inherit; font-size: 13px; font-weight: 700; color: #fff;
    background: transparent; border: 1px solid rgba(255,255,255,0.35); padding: 6px 14px; border-radius: 999px; cursor: pointer;
    transition: background .2s ease, border-color .2s ease;
}
.offers-edit:hover { background: rgba(255,255,255,0.12); border-color: rgba(255,255,255,0.55); }
.offers-edit .ico { width: 13px; height: 13px; }
.offers-social { font-size: 12px; opacity: .78; }
.offers-list { padding: 34px 22px 26px; display: flex; flex-direction: column; gap: 20px; }

.offer-card {
    border: 1px solid var(--border); border-radius: var(--radius); padding: 22px;
    background: #fff; box-shadow: var(--shadow);
    transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease, border-color .24s ease;
    position: relative;
}
.offer-card:hover { transform: translateY(-3px); border-color: var(--border-strong); box-shadow: var(--shadow-md); }
.offer-card.recommended {
    border: 1.5px solid var(--accent);
    background: linear-gradient(135deg, #FFFBF0 0%, var(--ivory) 55%);
    box-shadow: var(--shadow-gold), 0 0 0 4px rgba(201,162,75,0.10);
}
.offer-card.recommended::after {
    content: ""; position: absolute; inset: -1px; border-radius: inherit; padding: 1.5px;
    background: var(--gradient-gold-ring);
    -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
    -webkit-mask-composite: xor; mask-composite: exclude; pointer-events: none;
}
.offer-badge { position: absolute; top: -11px; right: 16px; padding: 5px 14px; border-radius: 999px; font-size: 11px; font-weight: 700; }
.offer-badge.popular { background: var(--gradient-accent); color: #3A2C05; box-shadow: 0 4px 12px rgba(201,162,75,.4); }
.offer-badge.promo { background: var(--success); color: #fff; }
.offer-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 14px; }
.offer-identity { display: flex; align-items: center; gap: 10px; }
.offer-logo { height: 38px; width: auto; max-width: 150px; object-fit: contain; display: block; }
.offer-brand { font-size: 20px; font-weight: 800; color: var(--primary-dark); letter-spacing: -0.02em; }
.offer-promo { font-size: 12px; font-weight: 600; color: var(--success); background: #E7F6EE; padding: 4px 10px; border-radius: 999px; }
.offer-stats { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; margin-bottom: 16px; }
.offer-stat { text-align: center; background: var(--bg-soft); border: 1px solid var(--border); border-radius: 10px; padding: 10px 8px; }
.offer-stat-label { display: block; font-size: 10.5px; font-weight: 700; color: var(--text-muted); margin-bottom: 3px; text-transform: uppercase; letter-spacing: .05em; }
.offer-stat-value { display: block; font-size: 14.5px; font-weight: 800; color: var(--primary-dark); }
.offer-cta { display: flex; align-items: center; justify-content: center; width: 100%; padding: 13px; border: none; border-radius: 999px; font-family: inherit; font-size: 15px; font-weight: 700; cursor: pointer; text-align: center; text-decoration: none; transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease, background .2s; }
.offer-cta:hover { text-decoration: none; }
.offer-cta.primary { background: var(--gradient-accent); color: #3A2C05; box-shadow: 0 1px 0 rgba(255,255,255,.5) inset, 0 4px 14px rgba(201,162,75,.32); }
.offer-cta.primary:hover { transform: translateY(-2px); box-shadow: 0 8px 20px rgba(201,162,75,.42); }
.offer-cta.secondary { background: #fff; color: var(--primary); border: 1.5px solid var(--border); }
.offer-cta.secondary:hover { border-color: var(--accent); background: var(--bg-soft); }
.offer-footer { margin-top: 10px; font-size: 11px; color: var(--text-muted); text-align: center; }

/* ===== STICKY BAR ===== */
.sticky-bar {
    position: fixed; bottom: 0; left: 0; right: 0;
    background: rgba(253,252,249,0.92); backdrop-filter: blur(12px);
    border-top: 1px solid var(--border);
    box-shadow: 0 -6px 24px rgba(20,40,30,0.1);
    z-index: 999; transform: translateY(100%); transition: transform .4s cubic-bezier(.4,0,.2,1); padding: 14px 0;
}
.sticky-bar.visible { transform: translateY(0); }
.sticky-bar-content { display: flex; align-items: center; justify-content: space-between; }
.sticky-info { display: flex; align-items: center; gap: 10px; }
.sticky-label { font-size: 14px; color: var(--text-secondary); }
.sticky-amount { font-size: 18px; font-weight: 800; color: var(--primary); letter-spacing: -0.02em; }
.btn-sticky { padding: 11px 26px; font-size: 14px; }

/* ===== LENDERS SECTION ===== */
.lenders-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 32px; }
.lender-card {
    padding: 26px; background: var(--ivory); border: 1px solid var(--border); border-radius: var(--radius);
    box-shadow: var(--shadow); position: relative; display: flex; flex-direction: column;
    transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease, border-color .24s ease;
}
.lender-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--border-strong); }
.lender-name { font-size: 21px; font-weight: 800; color: var(--primary-dark); margin-bottom: 12px; letter-spacing: -0.02em; }
.lender-details { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-bottom: 14px; }
.ld-cell { background: var(--bg-soft); border: 1px solid var(--border); border-radius: 10px; padding: 9px 10px; text-align: center; }
.ld-label { display: block; font-size: 10.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--text-muted); margin-bottom: 2px; }
.ld-value { display: block; font-size: 13.5px; font-weight: 800; color: var(--primary-dark); }
.lender-card p { font-size: 14px; color: var(--text-secondary); line-height: 1.6; }

.lender-card.recommended-lender {
    border: 1.5px solid var(--accent);
    background: linear-gradient(135deg, #FFFBF0 0%, var(--ivory) 58%);
    box-shadow: var(--shadow-gold), 0 0 0 4px rgba(201,162,75,0.10);
}
.lender-card.recommended-lender:hover { box-shadow: 0 10px 26px rgba(201,162,75,.4), 0 22px 58px rgba(201,162,75,.24), 0 0 0 4px rgba(201,162,75,0.14); }
.lender-card.recommended-lender::before {
    content: ""; position: absolute; inset: -1px; border-radius: inherit; padding: 1.5px;
    background: var(--gradient-gold-ring);
    -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
    -webkit-mask-composite: xor; mask-composite: exclude; pointer-events: none;
}
.lender-badge {
    position: absolute; top: -12px; right: 18px;
    background: var(--gradient-accent); color: #3A2C05;
    font-size: 11px; font-weight: 700; padding: 5px 14px; border-radius: 999px;
    box-shadow: 0 4px 12px rgba(201,162,75,.42); letter-spacing: .02em; z-index: 1;
}
.lender-links { display: flex; align-items: center; justify-content: space-between; gap: 10px; margin-top: auto; padding-top: 18px; }
.lender-links a { font-size: 14px; font-weight: 600; }
.lender-links .lender-apply {
    background: var(--gradient-accent); color: #3A2C05; padding: 9px 18px; border-radius: 999px;
    white-space: nowrap; box-shadow: 0 1px 0 rgba(255,255,255,.5) inset, 0 4px 14px rgba(201,162,75,.32); transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease;
}
.lender-links .lender-apply:hover { transform: translateY(-2px); text-decoration: none; box-shadow: 0 8px 22px rgba(201,162,75,.42); }

.lenders-note { background: var(--bg-soft); border: 1px solid var(--border); border-left: 4px solid var(--accent); border-radius: var(--radius-sm); padding: 22px 26px; }
.lenders-note p { font-size: 14px; color: var(--text-secondary); line-height: 1.7; }
.lenders-note a { font-weight: 600; }

/* ===== COSTS GUIDE ===== */
.costs-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 24px; }
.cost-card { padding: 26px; background: var(--ivory); border: 1px solid var(--border); border-radius: var(--radius); text-align: center; box-shadow: var(--shadow); transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease; }
.cost-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.cost-icon { font-size: 36px; margin-bottom: 12px; display: block; }
.cost-card h3 { font-size: 17px; font-weight: 700; color: var(--primary-dark); margin-bottom: 8px; }
.cost-range { font-size: 24px; font-weight: 800; margin-bottom: 12px; letter-spacing: -0.02em; background: var(--gradient); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.cost-card p { font-size: 13px; color: var(--text-secondary); line-height: 1.6; }
.costs-source { text-align: center; }
.costs-source p { font-size: 13px; color: var(--text-muted); line-height: 1.6; max-width: 800px; margin: 0 auto; }

.conditions-note { margin-top: 32px; background: var(--bg-soft); border: 1px solid var(--border); border-left: 4px solid var(--accent); border-radius: var(--radius-sm); padding: 22px 26px; text-align: center; }
.conditions-note p { font-size: 14px; color: var(--text-secondary); line-height: 1.7; }

.sidebar-highlight { background: var(--gradient); color: #fff; border: none; box-shadow: var(--shadow-emerald); }
.sidebar-highlight h4 { color: #fff; }
/* Sidebar list uses its own layout (border rows, no bullet) — override the .seo-content list rules */
.seo-content .sidebar-highlight li, .sidebar-highlight li {
    color: rgba(255,255,255,0.92); border-bottom-color: rgba(255,255,255,0.15);
    padding: 9px 0; padding-left: 0;
}
.seo-content .sidebar-highlight li::before, .sidebar-highlight li::before { content: none; }
.sidebar-highlight li strong { color: #fff; }

/* ===== INNER PAGES ===== */
.page-header {
    padding: 150px 0 44px; position: relative; overflow: hidden;
    background:
        radial-gradient(900px 400px at 20% -30%, rgba(16,185,129,0.18), transparent 60%),
        radial-gradient(700px 400px at 100% 0%, rgba(201,162,75,0.14), transparent 55%),
        linear-gradient(160deg, var(--emerald-deep), var(--primary));
    color: #fff;
}
.page-header::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; background: var(--gradient-accent); }
.page-header h1 { font-size: clamp(30px, 4vw, 42px); font-weight: 800; color: #fff; margin-bottom: 12px; letter-spacing: -0.03em; position: relative; }
.page-header p { font-size: clamp(16px,1.5vw,18px); color: rgba(234,243,238,0.82); max-width: 700px; position: relative; }
.page-header .breadcrumb, .page-header .breadcrumb a { color: rgba(234,243,238,0.7); }
.page-header .breadcrumb a:hover { color: var(--accent-light); }
/* Byline sits on the dark emerald page-header — force a legible light tone (overrides inline var(--text-secondary)) */
.page-header .byline { color: rgba(234,243,238,0.78) !important; position: relative; }

.page-content { padding: 48px 0 96px; }
.page-content h2 { font-size: 26px; font-weight: 800; color: var(--primary-dark); margin: 36px 0 14px; letter-spacing: -0.02em; }
.page-content h3 { font-size: 18px; font-weight: 700; color: var(--primary-dark); margin: 26px 0 8px; }
.page-content p { font-size: 15px; color: var(--text-secondary); line-height: 1.8; margin-bottom: 12px; max-width: 800px; }
/* Lists use custom markers aligned to the text column (no default outdented numbers).
   Applies to both .page-content (subpages) and .seo-content (homepage prose). */
.page-content ul, .page-content ol,
.seo-content ul, .seo-content ol { margin: 14px 0 18px; padding-left: 0; list-style: none; max-width: 800px; }
.page-content li, .seo-content li { position: relative; padding-left: 30px; font-size: 15px; color: var(--text-secondary); line-height: 1.8; margin-bottom: 9px; }
.page-content ul > li::before,
.seo-content ul > li::before {
    content: ""; position: absolute; left: 3px; top: 11px; width: 8px; height: 8px;
    border-radius: 2px; background: var(--gradient-accent);
}
.page-content ol, .seo-content ol { counter-reset: pcli; }
.page-content ol > li, .seo-content ol > li { counter-increment: pcli; }
.page-content ol > li::before,
.seo-content ol > li::before {
    content: counter(pcli); position: absolute; left: 0; top: 2px;
    width: 22px; height: 22px; border-radius: 7px;
    background: var(--primary); color: #fff; font-size: 12px; font-weight: 700;
    display: flex; align-items: center; justify-content: center; font-variant-numeric: tabular-nums;
}
.page-content a { color: var(--primary-light); font-weight: 500; }
/* Gold-background buttons keep dark-brown text; the green .apply-cta keeps its white text */
.page-content a.btn-primary, .page-content a.cmp-cta, .page-content a.nav-cta { color: #3A2C05; font-weight: 700; }
.page-content a.apply-cta { color: #fff; font-weight: 700; }
.page-content table { width: 100%; max-width: 800px; border-collapse: collapse; margin: 16px 0; }
.page-content th, .page-content td { padding: 11px 16px; border: 1px solid var(--border); font-size: 14px; text-align: left; }
.page-content th { background: var(--gradient); font-weight: 700; color: #fff; font-size: 12.5px; letter-spacing: .04em; text-transform: uppercase; border-color: rgba(255,255,255,0.16); }
.page-content tbody tr { transition: background .18s ease; }
.page-content tbody tr:nth-child(even) { background: var(--bg-soft); }
.page-content tbody tr:hover { background: rgba(6,95,70,0.06); }
.page-content td { color: var(--text-secondary); }

.breadcrumb { font-size: 13px; color: var(--text-muted); margin-bottom: 20px; }
.breadcrumb a { color: var(--primary-light); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }

/* ===== AEO / GEO CONTENT COMPONENTS ===== */
.tldr {
    position: relative;
    background: linear-gradient(135deg, rgba(6,95,70,0.06), rgba(201,162,75,0.08));
    border: 1px solid var(--border);
    border-left: 4px solid var(--accent);
    border-radius: var(--radius-sm);
    padding: 24px 28px; margin: 0 0 34px;
    box-shadow: var(--shadow);
}
.tldr h2 { font-size: 18px; color: var(--primary-dark); margin-bottom: 12px; display: flex; align-items: center; gap: 8px; font-weight: 800; letter-spacing: -0.01em; }
.tldr h2::before {
    content: "";
    width: 20px; height: 20px; flex-shrink: 0;
    background: var(--accent-dark);
    -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M13 2 4 14h7l-1 8 9-12h-7l1-8Z'/%3E%3C/svg%3E") center/contain no-repeat;
    mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M13 2 4 14h7l-1 8 9-12h-7l1-8Z'/%3E%3C/svg%3E") center/contain no-repeat;
}
.tldr ul { margin: 0; padding-left: 20px; }
.tldr li { font-size: 15px; line-height: 1.7; margin-bottom: 6px; color: var(--text-secondary); }

.answer-box {
    background: linear-gradient(135deg, #EDF7F1, #F6F1E4);
    border: 1px solid var(--border);
    border-left: 4px solid var(--primary);
    border-radius: var(--radius-sm);
    padding: 18px 22px; margin: 16px 0 22px; font-size: 16px; line-height: 1.7; color: var(--text);
    box-shadow: var(--shadow);
}

.table-wrap { overflow-x: auto; margin: 24px 0; -webkit-overflow-scrolling: touch; border-radius: var(--radius-sm); box-shadow: var(--shadow); }
.cmp-table { width: 100%; margin: 0; border-collapse: collapse; font-size: 15px; background: var(--ivory); }
.cmp-table thead th {
    background: linear-gradient(180deg, var(--primary) 0%, var(--primary-dark) 100%); color: #fff; text-align: left; padding: 15px 16px;
    font-weight: 700; font-size: 13px; text-transform: uppercase; letter-spacing: .05em;
}
.cmp-table tbody td { padding: 17px 16px; border-bottom: 1px solid var(--border); vertical-align: middle; }
.cmp-table tbody tr { transition: background .18s ease; }
.cmp-table tbody tr:nth-child(even) { background: var(--bg-soft); }
.cmp-table tbody tr:first-child { background: linear-gradient(90deg, rgba(201,162,75,0.1), rgba(201,162,75,0.03)); }
.cmp-table tbody tr:hover { background: rgba(6,95,70,0.06); }
.cmp-table .cmp-brand { font-weight: 800; color: var(--primary-dark); letter-spacing: -0.01em; }
.cmp-table a.cmp-cta {
    display: inline-block; background: var(--gradient-accent); color: #3A2C05;
    padding: 8px 16px; border-radius: 999px; font-weight: 700; font-size: 13px; white-space: nowrap;
    box-shadow: 0 1px 0 rgba(255,255,255,.5) inset, 0 3px 10px rgba(201,162,75,.28);
    transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease;
}
.cmp-table a.cmp-cta:hover { transform: translateY(-1px); text-decoration: none; box-shadow: 0 6px 16px rgba(201,162,75,.38); }

.sources { background: var(--bg-soft); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 24px 28px; margin: 40px 0 0; box-shadow: var(--shadow); }
.sources h2 { font-size: 18px; color: var(--primary-dark); margin-bottom: 12px; font-weight: 800; }
.sources ul { margin: 0; padding-left: 20px; }
.sources li { font-size: 14px; line-height: 1.8; color: var(--text-secondary); }

.content-block h2 { margin-top: 8px; margin-bottom: 12px; color: var(--primary-dark); }
.content-block h3 { margin-top: 20px; margin-bottom: 8px; color: var(--primary-dark); }
.content-block p, .content-block li { line-height: 1.75; }

/* Lender review header */
.review-hero { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; margin-bottom: 8px; }
.review-hero .offer-logo {
    height: 44px; width: auto; max-width: 160px; object-fit: contain;
    background: #fff; padding: 10px 16px; border-radius: 12px;
    box-shadow: 0 6px 18px rgba(3,42,32,0.28); box-sizing: content-box;
}
.review-facts { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 14px; margin: 24px 0; }
.review-fact { background: var(--ivory); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 16px; text-align: center; box-shadow: var(--shadow); transition: transform .24s cubic-bezier(.4,0,.2,1); }
.review-fact:hover { transform: translateY(-3px); }
.review-fact .rf-label { display: block; font-size: 12px; color: var(--text-secondary); text-transform: uppercase; letter-spacing: .05em; }
.review-fact .rf-value { display: block; font-size: 19px; font-weight: 800; color: var(--primary-dark); margin-top: 4px; letter-spacing: -0.02em; }

.proscons { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; margin: 28px 0; }
.proscons .pros, .proscons .cons {
    position: relative; border-radius: var(--radius); padding: 22px 24px 24px;
    box-shadow: var(--shadow); overflow: hidden;
}
.proscons .pros { background: linear-gradient(160deg, #F0F9F3 0%, #FBFDFB 60%); border: 1px solid #C4E6D3; }
.proscons .cons { background: linear-gradient(160deg, #FCF4F1 0%, #FEFBFA 60%); border: 1px solid #F0D6CB; }
.proscons .pros::before, .proscons .cons::before {
    content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
}
.proscons .pros::before { background: linear-gradient(90deg, var(--success), #34D399); }
.proscons .cons::before { background: linear-gradient(90deg, #DC7A5A, #E9A08A); }
.proscons h3 {
    margin: 0 0 14px; font-size: 16px; font-weight: 800; letter-spacing: -0.01em;
    display: flex; align-items: center; gap: 9px;
}
.proscons .pros h3 { color: #0B7A52; }
.proscons .cons h3 { color: #B85C3C; }
.proscons h3::before {
    content: ""; width: 26px; height: 26px; border-radius: 8px; flex-shrink: 0;
    background-repeat: no-repeat; background-position: center; background-size: 15px;
}
.proscons .pros h3::before {
    background-color: var(--success);
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M4 12.5 9.5 18 20 6.5'/%3E%3C/svg%3E");
}
.proscons .cons h3::before {
    background-color: #C96A47;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 6l12 12M18 6L6 18'/%3E%3C/svg%3E");
}
.proscons ul { list-style: none; margin: 0; padding: 0; }
.proscons li {
    position: relative; padding-left: 27px; margin-bottom: 11px; line-height: 1.55;
    font-size: 14.5px; color: var(--text-secondary);
}
.proscons li:last-child { margin-bottom: 0; }
.proscons li::before {
    content: ""; position: absolute; left: 0; top: 6px; width: 15px; height: 15px;
    background-repeat: no-repeat; background-position: center; background-size: contain;
}
.proscons .pros li::before {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2310A265' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M4 12.5 9.5 18 20 6.5'/%3E%3C/svg%3E");
}
.proscons .cons li::before {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23C96A47' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 6l12 12M18 6L6 18'/%3E%3C/svg%3E");
}

.apply-cta {
    display: inline-block; background: var(--gradient); color: #fff; padding: 15px 30px;
    border-radius: 999px; font-weight: 700; font-size: 16px; margin: 8px 0;
    box-shadow: 0 1px 0 rgba(255,255,255,.12) inset, var(--shadow-emerald);
    transition: transform .24s cubic-bezier(.4,0,.2,1), box-shadow .24s ease;
}
.apply-cta:hover { transform: translateY(-2px); text-decoration: none; box-shadow: 0 12px 30px rgba(4,61,46,.34); }

/* ===== REDUCED MOTION ===== */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .hero-grid, .hero-container { grid-template-columns: 1fr; gap: 44px; }
    .hero { padding: 130px 0 80px; }
    .steps-grid { flex-wrap: wrap; gap: 20px; }
    .step-connector { display: none; }
    .step-card { min-width: 200px; }
    .lenders-grid { grid-template-columns: repeat(2, 1fr); }
    .costs-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
    .nav-links, .nav-cta { display: none; }
    .burger { display: flex; }
    .nav-links.active {
        display: flex; flex-direction: column; gap: 2px;
        position: fixed; top: 84px; left: 12px; right: 12px; z-index: 1500;
        padding: 10px 10px 14px;
        background:
            radial-gradient(140% 120% at 100% 0%, rgba(233,196,106,0.14), transparent 45%),
            linear-gradient(150deg, var(--emerald-deep) 0%, var(--primary) 100%);
        border: 1px solid rgba(201,162,75,0.4);
        border-radius: 20px;
        box-shadow: 0 30px 60px -12px rgba(3,42,32,0.6);
        animation: menuIn .28s cubic-bezier(.4,0,.2,1);
        max-height: calc(100vh - 100px); overflow-y: auto;
        scrollbar-width: none; -ms-overflow-style: none;
    }
    .nav-links.active::-webkit-scrollbar { display: none; }
    .nav-links.active li { list-style: none; }
    .nav-links.active li + li:not(.nav-menu-cta):not(.nav-menu-trust) { border-top: 1px solid rgba(255,255,255,0.06); }
    .nav-links.active a {
        display: flex; align-items: center; gap: 12px;
        padding: 12px; color: #fff; font-size: 16.5px; font-weight: 600;
        border-radius: 12px; text-decoration: none; transition: background .15s ease;
    }
    .nav-links.active a::after { content: "›"; position: static; width: auto; height: auto; background: none; margin-left: auto; color: rgba(233,196,106,0.55); font-size: 19px; font-weight: 400; }
    .nav-links.active a:hover, .nav-links.active a:active { background: rgba(255,255,255,0.08); }
    .nav-links.active .nav-ico {
        display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0;
        width: 34px; height: 34px; border-radius: 10px;
        background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.1);
        color: var(--accent-light);
    }
    .nav-links.active .nav-ico .ico { width: 17px; height: 17px; }
    .nav-links.active .nav-menu-cta { display: block; margin-top: 10px; }
    .nav-links.active .nav-menu-cta a, .nav-links.active .nav-menu-cta button {
        display: flex; align-items: center; justify-content: center; width: 100%;
        background: var(--gradient-accent); color: #3A2C05; font-weight: 700; font-size: 16px;
        font-family: inherit; border: none; border-radius: 999px; padding: 14px; cursor: pointer;
        box-shadow: 0 1px 0 rgba(255,255,255,.5) inset, 0 6px 18px rgba(201,162,75,0.35);
        text-decoration: none;
    }
    .nav-links.active .nav-menu-cta a::after { content: none; }
    .nav-links.active .nav-menu-trust {
        display: flex; align-items: center; justify-content: center; gap: 7px;
        color: rgba(234,243,238,0.6); font-size: 11.5px; font-weight: 500; padding-top: 11px;
    }
    .nav-links.active .nav-menu-trust .ico { width: 13px; height: 13px; color: var(--accent-light); }
    .hero { padding: 116px 0 64px; }
    .stats-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
    .stat-card { padding: 26px 12px; }
    .stat-card .stat-number { font-size: 34px; }
    .stat-card .stat-number.stat-number-sm { font-size: 25px; white-space: normal; line-height: 1.2; }
    .benefits-grid, .conditions-grid, .reviews-grid, .lenders-grid, .costs-grid { grid-template-columns: 1fr; }
    .seo-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
    .footer-brand { grid-column: 1 / -1; }
    .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
    .form-sliders { grid-template-columns: 1fr; }
    .form-fields { grid-template-columns: 1fr; }
    .hero-pills { display: flex; flex-wrap: wrap; max-width: none; }
    .form-modal-header { padding: 22px 24px 18px; }
    .offers-header { padding: 22px 24px 18px; }
    .offers-header h2 { font-size: 20px; padding: 0 26px; }
    .offer-top { flex-wrap: wrap; gap: 10px; }
    .offer-promo { flex-basis: 100%; text-align: center; }
    .loading-content { padding: 28px 20px 24px; }
    .calc-summary { grid-template-columns: 1fr; gap: 8px; }
    .offers-modal { max-width: 100%; }
    .offer-stats { grid-template-columns: 1fr; gap: 6px; }
    .sticky-bar-content { flex-direction: column; gap: 8px; }
    .steps-grid { flex-direction: column; align-items: center; }
    .step-card { width: 100%; max-width: 100%; }
    .modal-content { max-height: 95vh; }
    #applicationForm { padding: 20px; }
    .stats-row { gap: 24px; }
    .stat:not(:last-child)::after { right: -12px; }
    .page-header h1 { font-size: 28px; }
    .stats, .how-it-works, .benefits, .conditions, .reviews, .faq, .seo-content, .lenders, .costs-guide { padding: 68px 0; }
}

@media (max-width: 640px) {
    .proscons { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
    .hero-pills { gap: 6px; }
    .pill { font-size: 12px; padding: 6px 12px; }
    .trust-row { flex-direction: column; gap: 8px; }
    .stats-row { gap: 18px; }
    .stat:not(:last-child)::after { right: -9px; }
    .footer-grid { grid-template-columns: 1fr; }

    /* ---- Mobile hero polish ---- */
    /* Badge: left-aligned text (not centered) so the 2-line wrap reads cleanly */
    .hero-badge { align-items: flex-start; line-height: 1.4; text-align: left; }
    .hero-badge .badge-dot { margin-top: 5px; }

    /* Calculator: stack label above the value when space is tight */
    .calc-body .slider-label, .calc-body .calc-label-row { flex-wrap: wrap; gap: 2px 8px; }
    .calc-body .slider-value, .calc-body .calc-value { font-size: 17px; }

    /* Primary calculator button: no 2-line wrap, keep arrow on the line */
    .calc-body .btn-full { font-size: 15px; padding: 15px 18px; }
    .calc-body .btn-full .btn-arrow { margin-left: 6px; }

    /* Stats cards: shrink the long money value so "100–25 000 €" fits one line */
    .stat-card .stat-number { font-size: 30px; }
    .stat-card .stat-number.stat-number-sm { font-size: 21px; }

    /* Byline: drop the pill on small screens — plain wrapping text reads better */
    .page-header .byline {
        display: block; padding: 0; background: none; border: none;
        border-radius: 0; line-height: 1.5;
    }
    .page-header .byline::before { display: none; }
}

/* ===== PERFORMANCE ===== */
/* Respect users who prefer less motion; also lightens weak devices. */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.001ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.001ms !important;
        scroll-behavior: auto !important;
    }
}

/* Skip rendering/paint work for below-the-fold sections until they scroll near the viewport.
   (.lenders intentionally excluded — it's a key commercial section and an anchor-link target.) */
.benefits, .conditions, .costs-guide, .reviews, .faq, .seo-content, .cta-bottom {
    content-visibility: auto;
    contain-intrinsic-size: 1px 700px;
}

/* ===== SVG ICONS (replaces emoji) ===== */
.ico {
    width: 1em; height: 1em;
    display: inline-block;
    vertical-align: -0.14em;
    flex-shrink: 0;
    fill: none;
    stroke: currentColor;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}
.ico use { pointer-events: none; }
.ico-sm { width: .85em; height: .85em; }

/* Logo mark: white icon on the emerald gradient tile */
.footer-brand .logo-mark { filter: none; }

/* Pills: gold check */
.pill-icon { color: var(--accent-dark); display: inline-flex; }
.pill-icon .ico { width: 15px; height: 15px; stroke-width: 2.6; }

/* Trust row (hero) */
.trust-icon { display: inline-flex; align-items: center; color: var(--gold-sheen); }
.trust-icon .ico { width: 17px; height: 17px; }

/* Step / benefit / condition / cost tiles: emerald icon in a soft round badge */
.step-icon, .benefit-icon, .condition-icon, .cost-icon { color: var(--primary); }
.step-icon .ico, .condition-icon .ico { width: 34px; height: 34px; stroke-width: 1.7; }
.cost-icon .ico { width: 30px; height: 30px; stroke-width: 1.7; }
.benefit-icon .ico { width: 26px; height: 26px; stroke-width: 1.8; }

/* Footer badges & form note: inline with text */
.footer-badge { display: inline-flex; align-items: center; gap: 6px; }
.footer-badge .ico { width: 14px; height: 14px; }
.form-note { display: flex; align-items: center; justify-content: center; gap: 8px; }
.form-note .ico { width: 15px; height: 15px; color: var(--primary); }

/* =========================================================
   PREMIUM CONTENT / BLOG SYSTEM
   ========================================================= */

/* --- Page header: refined byline as a chip row --- */
/* Pill byline only on wider screens; below 480px it becomes plain wrapping text (see mobile block) */
@media (min-width: 481px) {
    .page-header .byline {
        display: inline-flex; align-items: center; gap: 8px;
        margin-top: 12px; padding: 6px 14px;
        background: rgba(255,255,255,0.1);
        border: 1px solid rgba(255,255,255,0.16);
        border-radius: 999px;
        font-size: 12.5px;
    }
    .page-header .byline::before {
        content: ""; width: 16px; height: 16px; border-radius: 50%;
        background: var(--gradient-accent); flex-shrink: 0;
    }
}
@media (max-width: 480px) {
    .page-header .byline { margin-top: 12px; font-size: 12.5px; }
}

/* --- 2-column article layout: content + sticky sidebar --- */
.article-layout {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 300px;
    gap: 48px;
    align-items: start;
}
.article-main { min-width: 0; }
.article-aside { position: sticky; top: 96px; display: flex; flex-direction: column; gap: 20px; }

/* --- Table of contents --- */
.toc {
    background: var(--ivory);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 20px 22px;
    box-shadow: var(--shadow);
}
.toc-title {
    font-size: 12px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase;
    color: var(--accent-dark); margin-bottom: 12px;
    display: flex; align-items: center; gap: 8px;
}
.toc ol { list-style: none; counter-reset: toc; margin: 0; padding: 0; }
.toc li { counter-increment: toc; margin: 0; }
.toc a {
    display: flex; gap: 10px; align-items: baseline;
    padding: 7px 0; font-size: 14px; color: var(--text-secondary);
    border-bottom: 1px solid transparent; transition: color .2s;
}
.toc a::before {
    content: counter(toc, decimal-leading-zero);
    font-size: 11px; font-weight: 700; color: var(--accent);
    font-variant-numeric: tabular-nums; flex-shrink: 0;
}
.toc a:hover { color: var(--primary); text-decoration: none; }
.toc a.active { color: var(--primary); font-weight: 700; }

/* --- Sidebar CTA card --- */
.aside-cta {
    background: var(--gradient);
    color: #fff;
    border-radius: var(--radius);
    padding: 24px 22px;
    box-shadow: var(--shadow-emerald);
    position: relative; overflow: hidden;
}
.aside-cta::before {
    content: ""; position: absolute; top: -40px; right: -40px; width: 140px; height: 140px;
    background: radial-gradient(circle, rgba(201,162,75,0.35), transparent 70%);
}
.aside-cta h3 { font-size: 18px; margin-bottom: 8px; color: #fff; position: relative; }
.aside-cta p { font-size: 13.5px; color: rgba(234,243,238,0.82); margin-bottom: 16px; position: relative; line-height: 1.6; }
.aside-cta .btn-primary { width: 100%; position: relative; }

/* --- Article body typography & numbered headings --- */
.article-main { counter-reset: h2; }
.article-main .content-block { scroll-margin-top: 90px; }
.article-main .content-block > h2 {
    counter-increment: h2;
    font-size: clamp(22px, 2.4vw, 28px);
    line-height: 1.25; letter-spacing: -0.02em;
    padding-top: 8px; margin-bottom: 14px;
    display: flex; align-items: baseline; gap: 12px;
}
.article-main .content-block > h2::before {
    content: counter(h2, decimal-leading-zero);
    font-size: 15px; font-weight: 800; color: var(--accent);
    background: linear-gradient(135deg, #FFF7E4, #F3E7C4);
    border: 1px solid var(--border-strong);
    width: 34px; height: 34px; border-radius: 10px;
    display: inline-flex; align-items: center; justify-content: center;
    flex-shrink: 0; transform: translateY(-2px);
    font-variant-numeric: tabular-nums;
}
.article-main p { color: var(--text-secondary); font-size: 16.5px; line-height: 1.8; margin-bottom: 16px; }
.article-main .content-block { margin-bottom: 40px; }
.article-main ul, .article-main ol { margin: 0 0 18px; padding-left: 4px; list-style: none; }
.article-main ul li, .article-main ol li { position: relative; padding-left: 28px; margin-bottom: 10px; color: var(--text-secondary); line-height: 1.7; }
.article-main ul li::before {
    content: ""; position: absolute; left: 4px; top: 9px; width: 8px; height: 8px;
    border-radius: 2px; background: var(--gradient-accent);
}
.article-main ol { counter-reset: li; }
.article-main ol li { counter-increment: li; }
.article-main ol li::before {
    content: counter(li); position: absolute; left: 0; top: 1px;
    width: 20px; height: 20px; border-radius: 6px;
    background: var(--primary); color: #fff; font-size: 11px; font-weight: 700;
    display: flex; align-items: center; justify-content: center;
}

/* --- Callout boxes (info / tip / warning) --- */
.callout {
    display: flex; gap: 14px;
    border-radius: var(--radius-sm);
    padding: 18px 20px; margin: 24px 0;
    border: 1px solid var(--border);
    background: var(--bg-soft);
}
.callout .callout-ico {
    flex-shrink: 0; width: 38px; height: 38px; border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
}
.callout .callout-ico .ico { width: 20px; height: 20px; color: #fff; }
.callout-body { font-size: 15px; line-height: 1.7; color: var(--text-secondary); }
.callout-body strong { color: var(--text); }
.callout.info { background: #EAF4EF; border-color: #C4DCD0; }
.callout.info .callout-ico { background: var(--primary-light); }
.callout.tip { background: #ECFDF5; border-color: #A7F3D0; }
.callout.tip .callout-ico { background: var(--success); }
.callout.warning { background: #FFFBEB; border-color: #FDE68A; }
.callout.warning .callout-ico { background: var(--accent-dark); }

/* --- Pull quote --- */
.pull-quote {
    border-left: 4px solid var(--accent);
    padding: 4px 0 4px 22px; margin: 28px 0;
    font-size: 20px; line-height: 1.5; font-weight: 600;
    color: var(--primary-dark); font-style: italic;
}

/* --- Key stats strip --- */
.key-stats {
    display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 16px;
    margin: 28px 0;
}
.key-stat {
    background: var(--ivory); border: 1px solid var(--border);
    border-radius: var(--radius-sm); padding: 18px 20px; text-align: center;
    box-shadow: var(--shadow);
}
.key-stat .ks-num { display: block; font-size: 26px; font-weight: 800; color: var(--primary); letter-spacing: -0.02em; line-height: 1.15; }
.key-stat .ks-num.gold { color: var(--accent-dark); }
.key-stat .ks-label { display: block; font-size: 12.5px; color: #566158; margin-top: 4px; }

/* --- Inline CTA banner (mid-article) --- */
.cta-banner {
    display: flex; align-items: center; justify-content: space-between; gap: 20px;
    flex-wrap: wrap;
    background:
        radial-gradient(130% 170% at 100% 0%, rgba(233,196,106,0.22), transparent 45%),
        linear-gradient(135deg, var(--emerald-deep), var(--primary));
    border: 1px solid rgba(201,162,75,0.4);
    border-radius: var(--radius);
    padding: 26px 30px; margin: 32px 0;
    position: relative; overflow: hidden;
    box-shadow: var(--shadow-emerald);
}
.cta-banner::before {
    content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 5px; background: var(--gradient-accent);
}
.cta-banner .cta-text h3 { font-size: 19px; color: #fff; margin-bottom: 4px; }
.cta-banner .cta-text p { font-size: 14px; color: rgba(234,243,238,0.85); margin: 0; }
.cta-banner .btn-primary { white-space: nowrap; }

/* --- Related / next-step cards --- */
.related {
    margin-top: 40px; padding-top: 32px; border-top: 1px solid var(--border);
}
.related h2 { font-size: 22px; color: var(--primary-dark); margin-bottom: 18px; }
.related-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.related-card {
    display: block; background: var(--ivory); border: 1px solid var(--border);
    border-radius: var(--radius-sm); padding: 18px 20px; transition: all .24s cubic-bezier(.4,0,.2,1);
}
.related-card:hover { transform: translateY(-3px); border-color: var(--accent); box-shadow: var(--shadow-md); text-decoration: none; }
.related-card .rc-tag { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--accent-dark); }
.related-card .rc-title { font-size: 16px; font-weight: 700; color: var(--primary-dark); margin: 6px 0 4px; }
.related-card .rc-arrow { color: var(--accent-dark); font-weight: 700; font-size: 14px; }

/* --- Enhanced comparison / data tables --- */
.cmp-table thead th { font-weight: 700; letter-spacing: .01em; box-shadow: inset 0 -2px 0 rgba(233,196,106,0.45); }
.cmp-table { border-radius: 0; box-shadow: none; }
/* first/last header cells inherit the wrap radius so the emerald header meets the rounded frame cleanly */
.table-wrap .cmp-table thead th:first-child { border-top-left-radius: var(--radius-sm); }
.table-wrap .cmp-table thead th:last-child { border-top-right-radius: var(--radius-sm); }

/* --- Author / editorial card --- */
.author-card {
    display: flex; gap: 16px; align-items: center;
    background: var(--bg-soft); border: 1px solid var(--border);
    border-radius: var(--radius); padding: 20px 22px; margin: 32px 0 0;
}
.author-card .au-avatar {
    width: 54px; height: 54px; border-radius: 14px; flex-shrink: 0;
    background: var(--gradient); display: flex; align-items: center; justify-content: center;
    box-shadow: var(--shadow-emerald);
}
.author-card .au-avatar .ico { width: 26px; height: 26px; color: #fff; }
.author-card .au-name { font-size: 15px; font-weight: 800; color: var(--primary-dark); }
.author-card .au-desc { font-size: 13px; color: var(--text-secondary); line-height: 1.55; margin-top: 3px; }

/* --- Responsive: collapse to single column --- */
@media (max-width: 960px) {
    .article-layout { grid-template-columns: 1fr; gap: 32px; }
    .article-aside { position: static; flex-direction: column; }
    .toc { display: none; }  /* hide the sticky TOC on mobile; keep CTA */
}
@media (max-width: 640px) {
    .cta-banner { flex-direction: column; align-items: flex-start; }
    .article-main .content-block > h2 { font-size: 21px; }
}

/* ===== ENHANCED OFFER CARDS (modal) ===== */
.offer-id-text { display: flex; flex-direction: column; gap: 2px; }
.offer-rating { font-size: 12px; font-weight: 700; color: var(--text-secondary); display: inline-flex; align-items: center; gap: 5px; }
.offer-stars { color: var(--accent); font-size: 12px; letter-spacing: 1px; }
.offer-stats-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.offer-usps { list-style: none; margin: 0 0 14px; padding: 12px 14px; background: var(--bg-soft); border: 1px solid var(--border); border-radius: var(--radius-xs); display: flex; flex-direction: column; gap: 7px; }
.offer-usps li { display: flex; align-items: flex-start; gap: 8px; font-size: 13.5px; line-height: 1.5; color: var(--text-secondary); }
.offer-usps li .ico { width: 15px; height: 15px; color: var(--success); flex-shrink: 0; margin-top: 2px; stroke-width: 2.6; }
.offer-actions { display: flex; align-items: center; gap: 14px; }
.offer-actions .offer-cta { flex: 1; }
.offer-review-link { font-size: 13.5px; font-weight: 700; color: var(--primary-light); white-space: nowrap; }
.offer-example { margin-top: 12px; border-top: 1px dashed var(--border-strong); padding-top: 10px; }
.offer-example summary { font-size: 12.5px; font-weight: 600; color: var(--text-muted); cursor: pointer; list-style: none; display: inline-flex; align-items: center; gap: 6px; }
.offer-example summary::before { content: "▸"; transition: transform .2s ease; color: var(--accent-dark); }
.offer-example[open] summary::before { transform: rotate(90deg); }
.offer-example summary::-webkit-details-marker { display: none; }
.offer-example p { font-size: 12px; color: var(--text-muted); line-height: 1.6; margin: 8px 0 0; }
@media (max-width: 560px) {
    .offer-stats-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: 10px; }
    .offer-actions { flex-direction: column; align-items: stretch; }
    .offer-review-link { text-align: center; }
}

/* ===== LENDER CARD HEAD (logo + rating) ===== */
.lender-head { display: flex; align-items: center; justify-content: space-between; gap: 10px; margin-bottom: 10px; min-height: 30px; }
.lender-logo { height: 36px; width: auto; max-width: 160px; object-fit: contain; object-position: left center; display: block; }
.lender-rating { font-size: 12px; font-weight: 700; color: var(--text-secondary); display: inline-flex; align-items: center; gap: 5px; white-space: nowrap; }

/* ===== ENHANCED COMPARISON TABLE (hub) ===== */
.cmp-lender { display: flex; flex-direction: column; gap: 8px; min-width: 155px; }
.cmp-logo { height: 34px; width: auto; max-width: 150px; object-fit: contain; object-position: left center; display: block; }
.cmp-lender-meta { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.cmp-lender-meta a { font-weight: 800; color: var(--primary-dark); }
.cmp-badge { background: var(--gradient-accent); color: #3A2C05; padding: 2px 9px; border-radius: 999px; font-size: 10.5px; font-weight: 800; letter-spacing: .02em; white-space: nowrap; }
.cmp-rating { font-size: 11.5px; font-weight: 700; color: var(--text-secondary); white-space: nowrap; }
.cmp-rating .offer-stars { font-size: 11px; }
.cmp-usp { font-size: 13px; color: var(--text-secondary); line-height: 1.45; max-width: 200px; }
.cmp-table tr.cmp-recommended { background: linear-gradient(90deg, #FFFBF0, transparent 70%); }
.cmp-table tr.cmp-recommended td { border-bottom-color: var(--border-strong); }
.cmp-lenders { min-width: 760px; }
.page-content table.cmp-table { max-width: none; }
.cmp-amount { white-space: nowrap; }
.cmp-table thead th { border-color: rgba(255,255,255,0.16); }
.cmp-lenders th:nth-child(n+2):nth-child(-n+5), .cmp-lenders td:nth-child(n+2):nth-child(-n+5) { text-align: center; }
.cmp-lenders th:last-child, .cmp-lenders td:last-child { text-align: center; }
.cmp-lenders td { vertical-align: middle; }

/* Review pages: "galvenie fakti" strip as boxed stat cells */
.review-facts > .content-block {
    background: var(--bg-soft); border: 1px solid var(--border); border-radius: 12px;
    padding: 13px 16px; text-align: center;
}
.review-facts > .content-block strong { display: block; font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--text-muted); }
.review-facts > .content-block p { font-weight: 800; color: var(--primary-dark); font-size: 14.5px; }

/* ===== FIX: previously unstyled classes (audit 2026-07) ===== */
.breadcrumb-sep { margin: 0 7px; opacity: .55; }

.highlight-box {
    background: linear-gradient(135deg, rgba(6,95,70,0.05), rgba(201,162,75,0.09));
    border: 1px solid var(--border-strong);
    border-left: 4px solid var(--accent);
    border-radius: var(--radius-sm);
    padding: 20px 24px; margin: 22px 0; max-width: 800px;
}
.highlight-box h3 { font-size: 16.5px; font-weight: 800; color: var(--primary-dark); margin: 0 0 8px; }
.highlight-box p { margin-bottom: 6px; }
.highlight-box p:last-child { margin-bottom: 0; }

ul.checklist { list-style: none; margin: 16px 0 20px; padding: 0; max-width: 800px; }
ul.checklist li {
    position: relative; padding: 11px 16px 11px 42px; margin-bottom: 8px;
    background: var(--bg-soft); border: 1px solid var(--border); border-radius: 10px;
}
ul.checklist li::before {
    content: "✓"; position: absolute; left: 16px; top: 10px;
    color: var(--accent-dark); font-weight: 800;
}

.contact-list { list-style: none; margin: 14px 0 20px; padding: 0; }
.contact-list li { display: flex; align-items: center; gap: 11px; padding: 7px 0; font-size: 15px; color: var(--text-secondary); }
.ci-ico {
    width: 34px; height: 34px; border-radius: 10px; flex-shrink: 0;
    background: rgba(6,95,70,0.08); color: var(--primary);
    display: inline-flex; align-items: center; justify-content: center;
}
.ci-ico .ico { width: 16px; height: 16px; }

@keyframes menuIn { from { opacity: 0; transform: translateY(-10px) scale(.98); } to { opacity: 1; transform: none; } }

/* Offer card: note shown when the offer doesn't match the chosen amount/term */
.offer-fit-note {
    display: inline-block; font-size: 12px; font-weight: 600; color: #92610A;
    background: #FFFBEB; border: 1px solid #FDE68A; border-radius: 8px;
    padding: 5px 11px; margin-bottom: 12px;
}

.table-wrap > table { margin: 0 !important; }

/* Byline hidden from the UI (user preference) — the author + dateModified
   still live in JSON-LD schema, so E-E-A-T / freshness signals are preserved. */
.byline { display: none !important; }

/* 404 page: links sit on the dark page-header — force a light, legible color */
.page-header .error-links-light a { color: var(--accent-light); font-weight: 600; }
.page-header .error-links-light a:hover { color: #fff; }