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

:root {
  /* Light theme — inspired by imprumutacum.ro: white base, bright blue CTA, green trust accent */
  --bg-dark: #ffffff;          /* page base (kept var name for compatibility) */
  --bg-dark-2: #f1f5fb;        /* tinted section band */
  --bg-card: #ffffff;          /* card surface (solid white) */
  --bg-card-solid: #ffffff;
  --bg-soft: #f5f7fa;          /* soft gray section background */
  --accent: #2563eb;           /* primary blue */
  --accent-dark: #1d4ed8;      /* blue hover */
  --accent-light: #3b82f6;
  --cyan: #0ea5e9;             /* secondary blue used in gradients */
  --green: #16a34a;            /* trust / positive green */
  --green-dark: #15803d;
  --red: #dc2626;
  --gold: #f59e0b;
  --text: #1e293b;             /* main body text (dark slate) */
  --text-muted: #64748b;       /* secondary text */
  --text-dark: #0f172a;        /* headings */
  --white: #ffffff;
  --heading: #0f172a;          /* strong heading color on light bg */
  --border: #e2e8f0;           /* light gray hairline */
  --radius: 16px;
  --radius-sm: 10px;
  --radius-xs: 6px;
  --shadow: 0 4px 20px rgba(15,23,42,0.06);
  --shadow-hover: 0 12px 32px rgba(37,99,235,0.14);
  --glass: #ffffff;
  --glass-border: #e2e8f0;
  --transition: 0.3s cubic-bezier(0.4,0,0.2,1);
  --font: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font);
  background: var(--white);
  color: var(--text);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

a {
  color: var(--accent);
  text-decoration: none;
  transition: color var(--transition);
}
a:hover { color: var(--accent-dark); }

img { max-width: 100%; height: auto; }

button, input, select, textarea {
  font-family: var(--font);
  font-size: 1rem;
}

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

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  border: 0;
}

/* ============================================
   HEADER
   ============================================ */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.85);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  transition: background var(--transition);
}
.header.scrolled {
  background: rgba(255,255,255,0.97);
  box-shadow: var(--shadow);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 5px;
  font-weight: 800;
  font-size: 1.5rem;
  color: var(--heading);
  letter-spacing: -0.5px;
}
.logo-icon {
  width: 42px;
  height: 42px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.logo-icon svg {
  width: 42px;
  height: 42px;
  display: block;
}
.logo .brand-hl {
  background: linear-gradient(135deg, var(--accent-light), var(--cyan));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.nav { display: flex; align-items: center; gap: 32px; }
.nav a {
  color: var(--text-muted);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color var(--transition);
  position: relative;
}
.nav a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--accent);
  transition: width var(--transition);
}
.nav a:hover { color: var(--accent); }
.nav a:hover::after { width: 100%; }

.header-cta {
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: var(--white);
  border: none;
  padding: 10px 24px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.88rem;
  cursor: pointer;
  transition: all var(--transition);
  box-shadow: 0 4px 15px rgba(37,99,235,0.25);
}
.header-cta:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 25px rgba(37,99,235,0.4);
}

/* Mobile menu */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 12px 10px; /* >=44px tap target */
  margin: -6px -4px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text);
  transition: all var(--transition);
  border-radius: 2px;
}
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

.mobile-menu {
  display: none;
  position: fixed;
  top: 70px;
  left: 0;
  right: 0;
  bottom: 0;
  height: calc(100dvh - 70px);
  background: #fff;
  border-top: 1px solid var(--border, #e2e8f0);
  z-index: 999;
  padding: 16px 16px calc(32px + env(safe-area-inset-bottom));
  flex-direction: column;
  gap: 18px;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  overscroll-behavior: contain;
}
.mobile-menu.active { display: flex; }
.mobile-menu .mm-cta {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  background: linear-gradient(135deg, #2563eb, #1d4ed8);
  color: #fff;
  font-weight: 700;
  font-size: 1rem;
  border: none;
  border-radius: 12px;
  padding: 15px;
  cursor: pointer;
  box-shadow: 0 4px 15px rgba(37,99,235,0.25);
}
.mm-group { display: flex; flex-direction: column; }
.mm-group + .mm-group { margin-top: 2px; }
.mm-label {
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  color: var(--text-muted, #64748b);
  padding: 4px 4px 8px;
}
.mm-group a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  color: var(--text, #1e293b);
  font-size: 1rem;
  font-weight: 600;
  padding: 13px 14px;
  border-radius: 12px;
  background: var(--bg-soft, #f5f7fa);
  border: 1px solid var(--border, #e2e8f0);
}
.mm-group > * + * { margin-top: 8px; }
.mm-group a::after { content: '\203A'; color: var(--accent, #2563eb); font-size: 1.2rem; line-height: 1; font-weight: 700; }
.mm-group a:hover, .mm-group a:active { background: var(--bg-soft, #f5f7fa); color: var(--accent, #2563eb); }
.mm-sub summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  color: var(--text, #1e293b);
  font-size: 1rem;
  font-weight: 600;
  padding: 13px 14px;
  border-radius: 12px;
  background: var(--bg-soft, #f5f7fa);
  border: 1px solid var(--border, #e2e8f0);
  cursor: pointer;
  list-style: none;
}
.mm-sub summary::-webkit-details-marker { display: none; }
.mm-sub summary::after {
  content: '\203A';
  color: var(--accent, #2563eb);
  font-size: 1.2rem;
  font-weight: 700;
  line-height: 1;
  transform: rotate(90deg);
  transition: transform 0.2s;
}
.mm-sub[open] summary::after { transform: rotate(-90deg); }
.mm-sub[open] summary { border-bottom-left-radius: 0; border-bottom-right-radius: 0; }
.mm-sub-list {
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid var(--border, #e2e8f0);
  border-top: none;
  border-radius: 0 0 12px 12px;
  padding: 4px 6px 6px;
}
.mm-group .mm-sub-list a {
  background: none;
  border: none;
  padding: 11px 12px;
  font-weight: 500;
  font-size: 0.95rem;
}
.mm-group .mm-sub-list a + a { margin-top: 0; }
.mm-group .mm-sub-list a::after { content: ''; }

@media (max-width: 768px) {
  .nav, .header-cta { display: none; }
  .hamburger { display: flex; }
}

/* ============================================
   LIVE TICKER
   ============================================ */
.ticker {
  background: linear-gradient(90deg, var(--bg-soft), var(--bg-dark-2));
  border-bottom: 1px solid var(--border);
  padding: 8px 0;
  overflow: hidden;
  margin-top: 70px;
}
.ticker-track {
  display: flex;
  animation: tickerScroll 30s linear infinite;
  white-space: nowrap;
}
.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 0 30px;
  font-size: 0.8rem;
  color: var(--text-muted);
  font-weight: 500;
}
.ticker-item .rate {
  color: var(--green);
  font-weight: 700;
}
.ticker-item .name {
  color: var(--heading);
  font-weight: 600;
}
.ticker-sep {
  color: var(--border);
  padding: 0 8px;
}
@keyframes tickerScroll {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
  position: relative;
  min-height: 600px;
  padding: 80px 0 100px;
  background: linear-gradient(160deg, #ffffff 0%, #eff4fd 55%, #e6effb 100%);
  overflow: hidden;
}
.hero-bg-pattern {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(37,99,235,0.05) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
}
.hero-glow {
  position: absolute;
  top: -200px;
  right: -200px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(37,99,235,0.08), transparent 60%);
  pointer-events: none;
}
.hero-glow-2 {
  position: absolute;
  bottom: -100px;
  left: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(14,165,233,0.06), transparent 60%);
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero-text h1 {
  font-size: 3rem;
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -1px;
}
.hero-text h1 .gradient {
  background: linear-gradient(135deg, var(--accent-light), var(--cyan));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-text p {
  font-size: 1.1rem;
  color: var(--text-muted);
  margin-bottom: 32px;
  max-width: 480px;
  line-height: 1.7;
}
.hero-stats {
  display: flex;
  gap: 40px;
  margin-top: 16px;
}
.hero-stat {
  text-align: left;
}
.hero-stat .num {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--heading);
}
.hero-stat .num .unit {
  font-size: 1rem;
  color: var(--cyan);
  font-weight: 600;
}
.hero-stat .label {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 2px;
}

/* Search Widget */
.search-widget {
  background: var(--bg-card);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid var(--glass-border);
  border-radius: 20px;
  padding: 36px;
  box-shadow: 0 20px 60px rgba(15,23,42,0.1);
}
.search-widget h3 {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 28px;
  color: var(--heading);
}
.search-widget h3 .icon {
  display: inline-block;
  margin-right: 8px;
}

.slider-group {
  margin-bottom: 24px;
}
.slider-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}
.slider-label span {
  font-size: 0.85rem;
  color: var(--text-muted);
  font-weight: 500;
}
.slider-value {
  font-size: 1.02rem;
  font-weight: 800;
  color: var(--accent-dark);
  background: rgba(37,99,235,0.1);
  border: 1px solid rgba(37,99,235,0.22);
  padding: 4px 14px;
  border-radius: 50px;
  line-height: 1.4;
}

/* Custom range slider */
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: linear-gradient(90deg, var(--accent), var(--cyan));
  outline: none;
  cursor: pointer;
  position: relative;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--white);
  box-shadow: 0 2px 8px rgba(15,23,42,0.18), 0 0 0 3px var(--accent);
  cursor: pointer;
  transition: box-shadow var(--transition);
}
input[type="range"]::-webkit-slider-thumb:hover {
  box-shadow: 0 2px 12px rgba(15,23,42,0.22), 0 0 0 5px rgba(37,99,235,0.25);
}
input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--white);
  box-shadow: 0 2px 8px rgba(15,23,42,0.18), 0 0 0 3px var(--accent);
  cursor: pointer;
  border: none;
}

.slider-ticks {
  display: flex;
  justify-content: space-between;
  margin-top: 6px;
  font-size: 0.72rem;
  color: var(--text-muted);
}

.search-summary {
  background: linear-gradient(135deg, rgba(37,99,235,0.08), rgba(14,165,233,0.08));
  border: 1px solid rgba(37,99,235,0.18);
  border-radius: var(--radius-sm);
  padding: 14px 10px;
  margin-bottom: 10px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.search-summary-item {
  text-align: center;
  flex: 1;
}
.search-summary-item + .search-summary-item {
  border-left: 1px solid rgba(37,99,235,0.15);
}
.search-summary-item .val {
  font-size: 1rem;
  font-weight: 700;
  color: var(--heading);
  white-space: nowrap;
}
.search-summary-item.primary .val {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--accent-dark);
}
.search-summary-item .lbl {
  font-size: 0.7rem;
  color: var(--text-muted);
  margin-top: 2px;
  text-transform: uppercase;
  letter-spacing: 0.4px;
}
.calc-note {
  font-size: 0.7rem;
  color: var(--text-muted);
  text-align: center;
  margin: 0 0 16px;
  line-height: 1.5;
}
@media (max-width: 600px) {
  .search-summary { flex-wrap: wrap; row-gap: 10px; }
  .search-summary-item { flex: 1 1 45%; }
  .search-summary-item:nth-child(3) { border-left: none; }
}

.btn-search {
  width: 100%;
  padding: 16px;
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: var(--white);
  border: none;
  border-radius: 12px;
  font-size: 1.05rem;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  box-shadow: 0 6px 20px rgba(37,99,235,0.3);
  position: relative;
  overflow: hidden;
}
.btn-search:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(37,99,235,0.45);
}
.btn-search::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, transparent 30%, rgba(255,255,255,0.1) 50%, transparent 70%);
  transform: translateX(-100%);
  transition: transform 0.6s;
}
.btn-search:hover::before {
  transform: translateX(100%);
}

@media (max-width: 960px) {
  .hero-content { grid-template-columns: 1fr; gap: 40px; }
  .hero-text h1 { font-size: 2.2rem; }
  .hero { padding: 50px 0 60px; min-height: auto; }
}
@media (max-width: 600px) {
  .hero-text h1 { font-size: 1.8rem; }
  .hero-stats { gap: 24px; }
  .hero-stat .num { font-size: 1.4rem; }
  .search-widget { padding: 24px; }
}

/* ============================================
   TRUST BADGES
   ============================================ */
.trust {
  padding: 60px 0;
  background: var(--bg-soft);
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.trust-item {
  background: var(--bg-card);
  backdrop-filter: blur(10px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  padding: 28px 20px;
  text-align: center;
  box-shadow: var(--shadow);
  transition: all var(--transition);
}
.trust-item:hover {
  transform: translateY(-4px);
  border-color: rgba(37,99,235,0.3);
  box-shadow: var(--shadow-hover);
}
.trust-icon {
  font-size: 2rem;
  margin-bottom: 12px;
}
.trust-item h4 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--heading);
  margin-bottom: 6px;
}
.trust-item p {
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.5;
}

@media (max-width: 768px) {
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .trust-grid { grid-template-columns: 1fr; }
}

/* ============================================
   HOW IT WORKS
   ============================================ */
.how-it-works {
  padding: 80px 0;
  background: var(--bg-dark);
}
.section-header {
  text-align: center;
  margin-bottom: 60px;
}
.section-badge {
  display: inline-block;
  background: rgba(37,99,235,0.10);
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 600;
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.section-header h2 {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--heading);
  margin-bottom: 14px;
  letter-spacing: -0.5px;
}
.section-header p {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 560px;
  margin: 0 auto;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 50px;
  left: 16.5%;
  right: 16.5%;
  height: 2px;
  background: linear-gradient(90deg, var(--accent), var(--cyan), var(--accent));
  opacity: 0.3;
}
.step-card {
  background: var(--bg-card);
  backdrop-filter: blur(10px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  padding: 36px 28px;
  text-align: center;
  position: relative;
  box-shadow: var(--shadow);
  transition: all var(--transition);
}
.step-card:hover {
  transform: translateY(-6px);
  border-color: rgba(37,99,235,0.3);
  box-shadow: var(--shadow-hover);
}
.step-num {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--accent), var(--cyan));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--white);
  margin: 0 auto 20px;
  position: relative;
  z-index: 2;
}
.step-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--heading);
  margin-bottom: 10px;
}
.step-card p {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.6;
}

@media (max-width: 768px) {
  .steps-grid { grid-template-columns: 1fr; gap: 24px; }
  .steps-grid::before { display: none; }
  .section-header h2 { font-size: 1.7rem; }
}

/* ============================================
   OFFERS
   ============================================ */
.offers {
  padding: 80px 0;
  background: var(--bg-soft);
}

/* Loading animation */
.loading-overlay {
  display: none;
  text-align: center;
  padding: 60px 0;
}
.loading-overlay.active { display: block; }
.loading-spinner {
  width: 48px;
  height: 48px;
  border: 3px solid var(--border);
  border-top-color: var(--accent);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
  margin: 0 auto 20px;
}
@keyframes spin {
  to { transform: rotate(360deg); }
}
.loading-text {
  color: var(--text-muted);
  font-size: 0.95rem;
}
.loading-bar {
  width: 200px;
  height: 4px;
  background: var(--border);
  border-radius: 2px;
  margin: 16px auto 0;
  overflow: hidden;
}
.loading-bar-fill {
  width: 0%;
  height: 100%;
  background: linear-gradient(90deg, var(--accent), var(--cyan));
  border-radius: 2px;
  animation: loadBar 2s ease-in-out forwards;
}
@keyframes loadBar {
  0% { width: 0%; }
  60% { width: 80%; }
  100% { width: 100%; }
}

.offers-grid {
  display: grid;
  gap: 20px;
}
.offer-card {
  background: var(--bg-card);
  backdrop-filter: blur(10px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  padding: 28px;
  display: grid;
  grid-template-columns: 170px 1fr auto;
  align-items: center;
  gap: 28px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow);
}
.offer-card:hover {
  transform: translateY(-3px);
  border-color: rgba(37,99,235,0.3);
  box-shadow: var(--shadow-hover);
}
.offer-card.top-pick::before {
  content: 'TOP VALIK';
  position: absolute;
  top: 16px;
  right: -32px;
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: var(--white);
  font-size: 0.65rem;
  font-weight: 700;
  padding: 4px 40px;
  transform: rotate(45deg);
  letter-spacing: 1px;
}
.offer-card.special::before {
  content: 'ERIMINE';
  position: absolute;
  top: 16px;
  right: -32px;
  background: linear-gradient(135deg, var(--green), #059669);
  color: var(--white);
  font-size: 0.65rem;
  font-weight: 700;
  padding: 4px 40px;
  transform: rotate(45deg);
  letter-spacing: 1px;
}

.offer-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  height: 64px;
}
.offer-logo img {
  height: 36px;
  width: auto;
  max-width: 100%;
  object-fit: contain;
}

.offer-details {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.offer-usp {
  display: inline-flex;
  align-items: flex-start;
  gap: 5px;
  background: rgba(22,163,74,0.09);
  color: var(--green-dark, #15803d);
  border: 1px solid rgba(22,163,74,0.3);
  font-size: 0.76rem;
  font-weight: 700;
  padding: 6px 12px;
  border-radius: 12px;
  line-height: 1.35;
  text-align: center;
  max-width: 175px;
  justify-content: center;
}
.offer-brand {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 7px;
}
.offer-rating {
  font-size: 0.78rem;
  color: var(--text-muted);
  font-weight: 600;
  white-space: nowrap;
}
.offer-rating .stars {
  color: var(--gold);
  letter-spacing: 1.5px;
  font-size: 0.82rem;
}
.offer-rating b { color: var(--heading); }
.offer-review {
  font-size: 0.72rem;
  color: var(--text-muted);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.offer-review:hover { color: var(--accent); }
.offer-detail {
  text-align: left;
}
.offer-detail .lbl {
  font-size: 0.72rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 4px;
  font-weight: 500;
}
.offer-detail .val {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--heading);
}
.offer-detail .val.rate {
  color: var(--green);
}
.offer-detail .val.promo {
  color: var(--cyan);
}
.offer-detail .sub {
  font-size: 0.72rem;
  color: var(--text-muted);
  margin-top: 2px;
}

.offer-action {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  min-width: 140px;
}
.btn-offer {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: var(--white);
  border: none;
  padding: 12px 28px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.88rem;
  cursor: pointer;
  transition: all var(--transition);
  box-shadow: 0 4px 15px rgba(37,99,235,0.25);
  text-decoration: none;
  white-space: nowrap;
}
.btn-offer:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(37,99,235,0.4);
  color: var(--white);
}
.btn-offer.green {
  background: linear-gradient(135deg, var(--green), var(--green-dark));
  box-shadow: 0 4px 15px rgba(22,163,74,0.25);
}
.btn-offer.green:hover {
  box-shadow: 0 8px 25px rgba(22,163,74,0.4);
}
.offer-note {
  font-size: 0.72rem;
  color: var(--text-muted);
}

@media (max-width: 960px) {
  .offer-card {
    grid-template-columns: 1fr;
    gap: 20px;
    padding: 24px;
  }
  .offer-logo { height: 56px; max-width: 200px; }
  .offer-logo img { height: 32px; }
  .offer-details { grid-template-columns: repeat(2, 1fr); }
  .offer-action { flex-direction: row; flex-wrap: wrap; justify-content: center; width: 100%; }
}
@media (max-width: 600px) {
  .offer-details { grid-template-columns: 1fr 1fr; gap: 12px; }
}

/* ============================================
   WHY CHOOSE US
   ============================================ */
.why-us {
  padding: 80px 0;
  background: var(--bg-dark);
}
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.why-card {
  background: var(--bg-card);
  backdrop-filter: blur(10px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
  transition: all var(--transition);
}
.why-card:hover {
  transform: translateY(-4px);
  border-color: rgba(37,99,235,0.3);
  box-shadow: var(--shadow-hover);
}
.why-icon {
  width: 52px;
  height: 52px;
  background: rgba(37,99,235,0.10);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 18px;
}
.why-card h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--heading);
  margin-bottom: 10px;
}
.why-card p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.65;
}

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

/* ============================================
   FAQ
   ============================================ */
.faq {
  padding: 80px 0;
  background: var(--bg-soft);
}
.faq-list {
  max-width: 800px;
  margin: 0 auto;
}
.faq-item {
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
  overflow: hidden;
  background: var(--bg-card);
  backdrop-filter: blur(10px);
  box-shadow: var(--shadow);
  transition: border-color var(--transition);
}
.faq-item.active {
  border-color: rgba(37,99,235,0.3);
}
.faq-q {
  width: 100%;
  background: none;
  border: none;
  padding: 20px 24px;
  color: var(--heading);
  font-size: 1rem;
  font-weight: 600;
  text-align: left;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  transition: color var(--transition);
}
.faq-q:hover { color: var(--accent-light); }
.faq-arrow {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform var(--transition);
  color: var(--accent-light);
  font-size: 0.85rem;
}
.faq-item.active .faq-arrow { transform: rotate(180deg); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
  padding: 0 24px;
}
.faq-item.active .faq-a {
  max-height: 300px;
  padding: 0 24px 20px;
}
.faq-a p {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.7;
}

/* ============================================
   BLOG PREVIEW
   ============================================ */
.blog {
  padding: 80px 0;
  background: var(--bg-dark);
}
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.blog-card {
  background: var(--bg-card);
  backdrop-filter: blur(10px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: all var(--transition);
}
.blog-card:hover {
  transform: translateY(-4px);
  border-color: rgba(37,99,235,0.3);
  box-shadow: var(--shadow-hover);
}
.blog-img {
  height: 180px;
  background: linear-gradient(135deg, #eff4fd, #dbe7fb);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
}
.blog-body {
  padding: 24px;
}
.blog-tag {
  display: inline-block;
  background: rgba(37,99,235,0.10);
  color: var(--accent);
  font-size: 0.72rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 50px;
  margin-bottom: 12px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.blog-card h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--heading);
  margin-bottom: 10px;
  line-height: 1.4;
}
.blog-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 16px;
}
.blog-link {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--accent-light);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.blog-link:hover { color: var(--cyan); }

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

/* ============================================
   CTA BANNER
   ============================================ */
.cta-banner {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,0.12) 1px, transparent 1px);
  background-size: 30px 30px;
}
.cta-inner {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 650px;
  margin: 0 auto;
}
.cta-inner h2 {
  font-size: 2rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 14px;
}
.cta-inner p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.85);
  margin-bottom: 32px;
}
.btn-cta {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--white);
  color: var(--accent);
  border: none;
  padding: 16px 40px;
  border-radius: 50px;
  font-size: 1.05rem;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition);
  box-shadow: 0 6px 25px rgba(15,23,42,0.15);
}
.btn-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 35px rgba(15,23,42,0.22);
  color: var(--accent-dark);
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
  padding: 60px 0 30px;
  background: var(--bg-soft);
  border-top: 1px solid var(--border);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-brand .logo { margin-bottom: 14px; }
.footer-brand p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.6;
  max-width: 300px;
}
.footer-col h4 {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--heading);
  margin-bottom: 16px;
}
.footer-col a {
  display: block;
  font-size: 0.85rem;
  color: var(--text-muted);
  padding: 5px 0;
  transition: color var(--transition);
}
.footer-col a:hover { color: var(--accent-light); }
.footer-bottom {
  border-top: 1px solid var(--border);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-bottom p {
  font-size: 0.78rem;
  color: var(--text-muted);
}
.footer-disclaimer {
  font-size: 0.72rem;
  color: var(--text-muted);
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
  line-height: 1.6;
}

@media (max-width: 768px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

/* ============================================
   STICKY BOTTOM BAR
   ============================================ */
.sticky-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 998;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-top: 1px solid var(--glass-border);
  box-shadow: 0 -4px 20px rgba(15,23,42,0.06);
  padding: 12px 20px;
  transform: translateY(100%);
  transition: transform 0.4s ease;
}
.sticky-bar.visible { transform: translateY(0); }
.sticky-bar-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
}
.sticky-bar-text {
  font-size: 0.88rem;
  color: var(--text);
  font-weight: 500;
}
.sticky-bar-text strong {
  color: var(--cyan);
}
.btn-sticky {
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: var(--white);
  border: none;
  padding: 10px 28px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.85rem;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-sticky:hover { box-shadow: 0 4px 20px rgba(37,99,235,0.4); }

@media (max-width: 600px) {
  .sticky-bar-text { font-size: 0.78rem; }
  .sticky-bar-text .hide-mobile { display: none; }
}

/* ============================================
   MODAL
   ============================================ */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 2000;
  background: rgba(0,0,0,0.7);
  backdrop-filter: blur(6px);
  justify-content: center;
  align-items: center;
  padding: 20px;
  overflow: hidden;
}
.modal-overlay.active { display: flex; }

.modal {
  background: var(--white);
  border: 1px solid var(--glass-border);
  border-radius: 20px;
  width: 100%;
  max-width: 540px;
  max-height: calc(100vh - 40px);
  overflow-y: auto;
  padding: 36px;
  position: relative;
  box-shadow: 0 30px 80px rgba(15,23,42,0.25);
  animation: modalIn 0.3s ease;
}
@keyframes modalIn {
  from { opacity: 0; transform: translateY(20px) scale(0.97); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}

.modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  width: 36px;
  height: 36px;
  background: var(--bg-soft);
  border: none;
  border-radius: 50%;
  color: var(--text-muted);
  font-size: 1.2rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition);
}
.modal-close:hover { background: var(--border); color: var(--heading); }

.modal h2 {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--heading);
  margin-bottom: 8px;
}
.modal .modal-sub {
  font-size: 0.88rem;
  color: var(--text-muted);
  margin-bottom: 28px;
}

.modal-summary {
  background: rgba(37,99,235,0.08);
  border: 1px solid rgba(37,99,235,0.18);
  border-radius: var(--radius-sm);
  padding: 18px;
  margin-bottom: 24px;
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 12px;
}
.modal-summary-item { text-align: center; }
.modal-summary-item .val {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--heading);
}
.modal-summary-item .lbl {
  font-size: 0.72rem;
  color: var(--text-muted);
  margin-top: 2px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 14px;
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.form-group.full { grid-column: 1 / -1; }
.form-group label {
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--text-muted);
}
.form-group input,
.form-group select {
  background: var(--bg-soft);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-xs);
  padding: 12px 14px;
  color: var(--text);
  font-size: 0.9rem;
  transition: border-color var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.15);
}
.form-group select {
  -webkit-appearance: none;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' fill='%2394a3b8' viewBox='0 0 16 16'%3E%3Cpath d='M8 11L3 6h10l-5 5z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 36px;
}
.form-group select option {
  background: var(--white);
  color: var(--text);
}

.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 12px;
}
.checkbox-group input[type="checkbox"] {
  width: 18px;
  height: 18px;
  min-width: 18px;
  accent-color: var(--accent);
  margin-top: 2px;
}
.checkbox-group label {
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.5;
}
.checkbox-group label a {
  color: var(--accent-light);
  text-decoration: underline;
}

.btn-submit {
  width: 100%;
  padding: 16px;
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: var(--white);
  border: none;
  border-radius: 12px;
  font-size: 1.05rem;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition);
  box-shadow: 0 6px 20px rgba(37,99,235,0.3);
  margin-top: 8px;
}
.btn-submit:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(37,99,235,0.45);
}
.btn-submit:disabled {
  opacity: 0.6;
  cursor: not-allowed;
  transform: none;
}

/* Success state */
.modal-success {
  display: none;
  text-align: center;
  padding: 40px 20px;
}
.modal-success.active { display: block; }
.modal-success .check-icon {
  width: 72px;
  height: 72px;
  background: linear-gradient(135deg, var(--green), #059669);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  margin: 0 auto 20px;
  animation: popIn 0.4s ease;
}
@keyframes popIn {
  0% { transform: scale(0); }
  60% { transform: scale(1.15); }
  100% { transform: scale(1); }
}
.modal-success h3 {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--heading);
  margin-bottom: 10px;
}
.modal-success p {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 24px;
}

.modal-form { display: block; }
.modal-form.hidden { display: none; }

@media (max-width: 600px) {
  .modal { padding: 24px; }
  .form-row { grid-template-columns: 1fr; }
  .modal-summary { grid-template-columns: 1fr; gap: 8px; }
}

/* ============================================
   UTILITIES
   ============================================ */
.text-gradient {
  background: linear-gradient(135deg, var(--accent-light), var(--cyan));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* Scroll reveal animation */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================
   SUBPAGE ADDITIONS (breadcrumbs, tables, grids)
   ============================================ */
.breadcrumbs {
  padding: 14px 0;
  margin-top: 70px;
  font-size: 0.85rem;
  background: var(--bg-soft);
  border-bottom: 1px solid var(--border);
}
.breadcrumbs a { color: var(--text-muted); }
.breadcrumbs a:hover { color: var(--accent); }
.breadcrumbs .sep { color: var(--text-muted); margin: 0 4px; }
.breadcrumbs [aria-current="page"] { color: var(--heading); font-weight: 600; }

.compare-table th, .compare-table td {
  border-bottom: 1px solid var(--border);
  vertical-align: middle;
}
.compare-table tbody tr:hover { background: var(--bg-soft); }

@media (max-width: 720px) {
  .compare-table thead { display: none; }
  .compare-table, .compare-table tbody, .compare-table tr, .compare-table td { display: block; width: 100%; }
  .compare-table tr { border: 1px solid var(--border); border-radius: 12px; margin-bottom: 14px; padding: 6px 0; }
  .compare-table td { border: none; padding: 8px 16px; display: flex; justify-content: space-between; gap: 12px; }
  .compare-table td::before { content: attr(data-label); font-weight: 600; color: var(--text-muted); }
  .compare-table td[data-label=""]::before { content: ""; }
}

@media (max-width: 900px) {
  .calc-grid, .lender-grid { grid-template-columns: 1fr !important; }
}

/* subpage info cards inherit card look */
.info-card ul li:last-child { border-bottom: none !important; }

/* ============================================================
   PAGE DESIGN SYSTEM (subpages: lenders, categories, blog, tools)
   ============================================================ */

/* --- Page hero (gradient band under breadcrumbs) --- */
.page-hero {
  position: relative;
  padding: 44px 0 40px;
  background: linear-gradient(160deg, #ffffff 0%, #eef4fd 60%, #e3edfb 100%);
  border-bottom: 1px solid var(--border);
  overflow: hidden;
}
.page-hero::after {
  content: ''; position: absolute; top: -160px; right: -120px; width: 460px; height: 460px;
  background: radial-gradient(circle, rgba(37,99,235,0.10), transparent 62%); pointer-events: none;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero .eyebrow {
  display: inline-block; font-size: 0.74rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase;
  color: var(--accent); background: rgba(37,99,235,0.10); padding: 5px 14px; border-radius: 50px; margin-bottom: 14px;
}
.page-hero h1 { font-size: 2.35rem; line-height: 1.15; color: var(--heading); letter-spacing: -0.5px; margin-bottom: 12px; }
.page-hero .lead { font-size: 1.1rem; color: var(--text-muted); max-width: 720px; line-height: 1.7; }

/* --- Generic content section spacing --- */
.section { padding: 52px 0; }
.section.alt { background: var(--bg-soft); }
.section-lead { color: var(--text-muted); max-width: 720px; line-height: 1.7; margin-bottom: 8px; }

/* --- Two-column layout: main + sidebar --- */
.layout { display: grid; grid-template-columns: 1fr 320px; gap: 40px; align-items: start; }
.layout > * { min-width: 0; } /* let grid items shrink below content min-width on mobile */
.layout .sidebar { position: sticky; top: 90px; }
@media (max-width: 900px) { .layout { grid-template-columns: 1fr; } .layout .sidebar { position: static; } }

/* --- Prose (article/body text) --- */
.prose { color: var(--text); line-height: 1.8; font-size: 1.02rem; max-width: 760px; }
.prose > * + * { margin-top: 1rem; }
.prose h2 { font-size: 1.55rem; color: var(--heading); letter-spacing: -0.3px; margin-top: 2.2rem; padding-bottom: 8px; border-bottom: 2px solid var(--border); }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 1.2rem; color: var(--heading); margin-top: 1.8rem; }
.prose p { color: var(--text); }
.prose ul, .prose ol { padding-left: 1.3rem; }
.prose li { margin: 0.4rem 0; }
.prose a { color: var(--accent); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }
.prose strong { color: var(--heading); }
.prose blockquote {
  border-left: 4px solid var(--accent); background: var(--bg-soft);
  padding: 14px 18px; border-radius: 0 10px 10px 0; color: var(--text); font-style: italic;
}

/* --- Card --- */
.card {
  background: #fff; border: 1px solid var(--border); border-radius: 16px; padding: 26px;
  box-shadow: var(--shadow);
}
.card + .card { margin-top: 20px; }
.card h2, .card h3 { color: var(--heading); }

/* --- Key facts / spec grid --- */
.specs { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 12px; }
.spec {
  background: var(--bg-soft); border: 1px solid var(--border); border-radius: 12px; padding: 14px; text-align: center;
}
.spec .l { font-size: 0.72rem; text-transform: uppercase; letter-spacing: .5px; color: var(--text-muted); margin-bottom: 5px; }
.spec .v { font-size: 1.15rem; font-weight: 800; color: var(--heading); line-height: 1.2; }
.spec .v.accent { color: var(--accent); }
.spec .v.green { color: var(--green); }

/* --- Pretty data table --- */
.table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: 14px; box-shadow: var(--shadow); background: #fff; }
table.data { width: 100%; border-collapse: collapse; min-width: 640px; font-size: 0.94rem; }
table.data thead th {
  text-align: left; padding: 14px 16px; background: var(--heading); color: #fff; font-weight: 700; font-size: 0.82rem;
  text-transform: uppercase; letter-spacing: .4px; white-space: nowrap;
}
table.data thead th:first-child { border-top-left-radius: 14px; }
table.data thead th:last-child { border-top-right-radius: 14px; }
table.data tbody td { padding: 13px 16px; border-top: 1px solid var(--border); vertical-align: middle; }
table.data tbody tr:nth-child(even) { background: var(--bg-soft); }
table.data tbody tr:hover { background: #eef4ff; }
table.data .rate { color: var(--accent); font-weight: 700; }
table.data .lender { font-weight: 700; color: var(--heading); }
@media (max-width: 640px) {
  table.data.responsive { min-width: 0; }
  table.data.responsive thead { display: none; }
  table.data.responsive, table.data.responsive tbody, table.data.responsive tr, table.data.responsive td { display: block; width: 100%; }
  table.data.responsive tr { border: 1px solid var(--border); border-radius: 12px; margin-bottom: 12px; overflow: hidden; }
  table.data.responsive td { border: none; border-top: 1px solid var(--border); display: flex; justify-content: space-between; gap: 12px; }
  table.data.responsive td::before { content: attr(data-label); font-weight: 700; color: var(--text-muted); }
  table.data.responsive td:first-child { border-top: none; background: var(--bg-soft); }
}

/* --- Pros / cons --- */
.proscons { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
@media (max-width: 640px) { .proscons { grid-template-columns: 1fr; } }
.pc-card { background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 22px; box-shadow: var(--shadow); }
.pc-card h3 { display: flex; align-items: center; gap: 8px; font-size: 1.05rem; margin-bottom: 12px; }
.pc-card.pros h3 { color: var(--green); }
.pc-card.cons h3 { color: var(--red); }
.pc-card ul { list-style: none; padding: 0; margin: 0; }
.pc-card li { position: relative; padding: 9px 0 9px 26px; border-bottom: 1px solid var(--border); font-size: 0.94rem; color: var(--text); }
.pc-card li:last-child { border-bottom: none; }
.pc-card li::before { position: absolute; left: 0; top: 9px; font-weight: 800; }
.pc-card.pros li::before { content: '✓'; color: var(--green); }
.pc-card.cons li::before { content: '–'; color: var(--red); }

/* --- Rating stars --- */
.stars { color: var(--gold); font-size: 1.1rem; letter-spacing: 1px; }
.stars .n { color: var(--text-muted); font-size: 0.9rem; font-weight: 600; margin-left: 6px; }

/* --- Accordion (FAQ / details) --- */
.acc { border: 1px solid var(--border); border-radius: 12px; margin-bottom: 12px; background: #fff; overflow: hidden; box-shadow: var(--shadow); }
.acc > summary {
  list-style: none; cursor: pointer; padding: 16px 20px; font-weight: 700; color: var(--heading);
  display: flex; justify-content: space-between; align-items: center; gap: 12px;
}
.acc > summary::-webkit-details-marker { display: none; }
.acc > summary::after { content: '+'; font-size: 1.3rem; color: var(--accent); font-weight: 400; transition: transform .2s; }
.acc[open] > summary::after { transform: rotate(45deg); }
.acc > summary:hover { color: var(--accent); }
.acc .acc-body { padding: 0 20px 18px; color: var(--text); line-height: 1.7; }

/* --- CTA block --- */
.cta-block {
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  border-radius: 18px; padding: 32px; text-align: center; color: #fff; box-shadow: 0 12px 30px rgba(37,99,235,0.25);
}
.cta-block h2 { color: #fff; font-size: 1.5rem; margin-bottom: 8px; }
.cta-block p { color: rgba(255,255,255,0.9); margin-bottom: 18px; }
.cta-block .btn-offer { background: #fff; color: var(--accent); }
.cta-block .btn-offer:hover { background: #f0f5ff; }

/* --- Disclaimer / note box --- */
.notebox {
  background: var(--bg-soft); border: 1px solid var(--border); border-left: 4px solid var(--accent);
  border-radius: 0 12px 12px 0; padding: 16px 18px; font-size: 0.88rem; color: var(--text-muted); line-height: 1.65;
}
.notebox strong { color: var(--heading); }

/* --- Table of contents (sidebar) --- */
.toc { background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 20px; box-shadow: var(--shadow); }
.toc h4 { font-size: 0.78rem; text-transform: uppercase; letter-spacing: .5px; color: var(--text-muted); margin-bottom: 12px; }
.toc a { display: block; padding: 7px 0; color: var(--text); font-size: 0.92rem; border-bottom: 1px solid var(--border); }
.toc a:last-child { border-bottom: none; }
.toc a:hover { color: var(--accent); }
/* CTA buttons keep their own look even inside .toc / .prose link scopes */
.toc a.btn-offer, .prose a.btn-offer {
  color: var(--white);
  padding: 12px 28px;
  border-bottom: none;
  text-decoration: none;
  font-weight: 600;
}
.toc a.btn-offer:hover, .prose a.btn-offer:hover { color: var(--white); }

/* --- Author / meta line --- */
.meta-line { display: flex; align-items: center; gap: 12px; font-size: 0.85rem; color: var(--text-muted); flex-wrap: wrap; }
.meta-line .dot { width: 4px; height: 4px; border-radius: 50%; background: var(--text-muted); }
.meta-line .author { display: flex; align-items: center; gap: 8px; font-weight: 600; color: var(--heading); }
.meta-line .avatar { width: 30px; height: 30px; border-radius: 50%; background: linear-gradient(135deg, var(--accent), var(--cyan)); display: flex; align-items: center; justify-content: center; color: #fff; font-weight: 800; font-size: 0.8rem; }

/* --- Related cards --- */
.related { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; }
.related a { display: block; background: #fff; border: 1px solid var(--border); border-radius: 12px; padding: 18px; box-shadow: var(--shadow); transition: all var(--transition); }
.related a:hover { border-color: var(--accent); box-shadow: var(--shadow-hover); transform: translateY(-2px); }
.related .rt { font-size: 0.72rem; text-transform: uppercase; letter-spacing: .4px; color: var(--accent); font-weight: 700; margin-bottom: 6px; }
.related .rh { font-weight: 700; color: var(--heading); font-size: 0.98rem; line-height: 1.35; }

/* --- Lender hero row --- */
.lender-hero-row { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; margin-top: 20px; }
.lender-hero-logo { height: 68px; width: auto; max-width: 230px; object-fit: contain; background: #fff; padding: 12px 18px; border: 1px solid var(--border); border-radius: 12px; box-shadow: var(--shadow); }
.lender-hero-name { font-size: 1.3rem; font-weight: 800; color: var(--heading); }

/* ============================================================
   MOBILE HARDENING (applies to all pages using this stylesheet)
   ============================================================ */
@media (max-width: 600px) {
  .page-hero { padding: 34px 0 30px; }
  .page-hero h1 { font-size: 1.75rem; line-height: 1.2; }
  .page-hero .lead { font-size: 1rem; }
  .section { padding: 38px 0; }
  .container { padding: 0 16px; }
  .card { padding: 20px; }
  .cta-block { padding: 26px 22px; }
  .cta-block h2 { font-size: 1.3rem; }
  .prose { font-size: 1rem; }
  .prose h2 { font-size: 1.35rem; }
  .prose h3 { font-size: 1.12rem; }
  .lender-hero-row { gap: 12px; }
  .lender-hero-row .btn-offer { width: 100%; text-align: center; }
}
@media (max-width: 400px) {
  .specs { grid-template-columns: 1fr 1fr; }
  .page-hero h1 { font-size: 1.55rem; }
}
/* Prevent any wide media/table from clipping instead of scrolling */
.table-wrap { -webkit-overflow-scrolling: touch; }
img, svg, video, table { max-width: 100%; }