/* ============================================================
   PaydayCash.co.za — Trust Blue design system
   Layout V2 (Indigo Bold) + Trust Blue palette
   ============================================================ */
:root {
  --blue-deep: #172554;
  --blue-dark: #1e40af;
  --blue: #2563eb;
  --sky: #38bdf8;
  --grad: linear-gradient(120deg, #1e40af, #2563eb 55%, #38bdf8);
  --blue-50: #eff6ff;
  --blue-100: #dbeafe;
  --green: #4ade80;
  --green-deep: #14532d;
  --green-solid: #16a34a;
  --amber: #f59e0b;
  --ink: #111827;
  --muted: #6b7280;
  --line: #e5e7eb;
  --footer-bg: #0b1730;
  --r: 18px;
  --shadow: 0 12px 44px rgba(30, 64, 175, .14);
  --font: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --display: "Space Grotesk", "Inter", sans-serif;
  --slider-fill: #2563eb;
  --slider-track: #e5e7eb;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; overflow-x: hidden; width: 100%; }
body {
  font-family: var(--font);
  color: var(--ink);
  background: #fff;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
  width: 100%;
  max-width: 100vw;
  position: relative;
}
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
h1, h2, h3, .logo { font-family: var(--display); }
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font);
  font-weight: 700;
  font-size: 16px;
  border: none;
  border-radius: 12px;
  padding: 15px 30px;
  cursor: pointer;
  transition: .18s;
  white-space: nowrap;
  text-decoration: none;   /* never inherit link underline, wherever the .btn lives */
}
/* Guard: a button is a button — link styling (colour/underline/border) must not leak in */
a.btn-green { color: #fff; text-decoration: none; }
a.btn-primary { color: #fff; text-decoration: none; }
a.btn-outline, a.btn-ghost { text-decoration: none; }
.btn-primary { background: var(--grad); color: #fff; box-shadow: 0 8px 26px rgba(37, 99, 235, .4); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 12px 34px rgba(37, 99, 235, .5); }
.btn-green { background: var(--green-solid); color: #fff; box-shadow: 0 8px 24px rgba(22, 163, 74, .32); }
.btn-green:hover { background: var(--green-deep); transform: translateY(-2px); box-shadow: 0 12px 30px rgba(22, 163, 74, .42); }
.btn-outline { background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,.5); }
.btn-outline:hover { border-color: #fff; background: rgba(255,255,255,.1); }
.btn-ghost { background: transparent; color: var(--muted); font-weight: 600; }
.btn-block { width: 100%; }
.btn-lg { padding: 18px 38px; font-size: 17px; }

/* ---------- Header ---------- */
.hd {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}
.hd .container { display: flex; align-items: center; justify-content: space-between; height: 74px; gap: 20px; }
.logo { display: flex; align-items: center; gap: 9px; font-weight: 700; font-size: 22px; color: var(--ink); letter-spacing: -.7px; }
.logo-mark {
  width: 40px; height: 40px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.logo-mark svg { display: block; width: 100%; height: 100%; }
.logo .c { background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent; margin-left: -4px; }
.main-nav ul { display: flex; gap: 30px; align-items: center; }
.main-nav-cta { display: none; }   /* only shown inside the mobile menu */
.main-nav a { font-weight: 600; font-size: 15px; color: var(--muted); transition: color .15s; }
.main-nav a:hover { color: var(--blue); }
.hd .header-cta .btn { padding: 11px 24px; font-size: 15px; }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 3px; background: var(--blue-dark); margin: 5px 0; border-radius: 2px; }

/* ---------- Hero ---------- */
.hero {
  background: var(--grad);
  color: #fff;
  padding: 70px 0 110px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: ""; position: absolute; top: -160px; left: -120px;
  width: 480px; height: 480px; border-radius: 50%;
  background: rgba(255, 255, 255, .09); filter: blur(10px);
}
.hero::after {
  content: ""; position: absolute; bottom: -200px; right: 30%;
  width: 420px; height: 420px; border-radius: 50%;
  background: rgba(74, 222, 128, .16); filter: blur(30px);
}
.hero .container {
  display: grid; grid-template-columns: 1.05fr 1fr; gap: 60px;
  align-items: center; position: relative; z-index: 1;
}
.hero .container > * { min-width: 0; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.25);
  font-size: 13px; font-weight: 700; padding: 8px 18px; border-radius: 999px; margin-bottom: 22px;
}
.hero h1 { font-size: 52px; line-height: 1.08; font-weight: 700; letter-spacing: -1.5px; margin-bottom: 20px; }
.hero h1 em { font-style: normal; color: var(--green); }
.hero-sub { font-size: 18px; color: rgba(255,255,255,.85); max-width: 470px; margin-bottom: 30px; }
.ticks { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 26px; }
.ticks li { display: flex; gap: 10px; align-items: center; font-weight: 600; font-size: 15px; }
.tick {
  width: 24px; height: 24px; border-radius: 8px;
  background: rgba(74, 222, 128, .2); color: var(--green);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 13px; flex-shrink: 0;
}

/* ---------- Loan widget / form ---------- */
.widget {
  background: #fff; border-radius: 24px;
  box-shadow: 0 24px 80px rgba(23, 37, 84, .35);
  overflow: hidden; color: var(--ink);
}
.w-head { padding: 24px 30px 0; display: flex; justify-content: space-between; align-items: center; gap: 10px; }
.w-head h2 { font-size: 20px; font-weight: 700; }
.w-secure {
  font-size: 12px; font-weight: 700; color: var(--blue);
  background: var(--blue-50); padding: 6px 14px; border-radius: 999px;
  white-space: nowrap; display: inline-flex; align-items: center; gap: 6px;
}
.w-secure svg, .eyebrow svg { flex-shrink: 0; }
.w-body { padding: 22px 30px 30px; }

.progress { display: flex; gap: 8px; margin-bottom: 8px; }
.progress .bar { flex: 1; height: 7px; border-radius: 99px; background: var(--line); transition: background .2s; }
.progress .bar.on { background: var(--grad); }
.p-labels {
  display: flex; justify-content: space-between;
  font-size: 11px; font-weight: 800; color: var(--muted);
  text-transform: uppercase; letter-spacing: .6px; margin-bottom: 24px;
}
.p-labels .on { color: var(--blue); }

.form-step { display: none; }
.form-step.active { display: block; animation: stepIn .3s ease; }
@keyframes stepIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; } }

.sl { margin-bottom: 24px; }
.sl-top { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 10px; }
.sl-top label { font-size: 14px; font-weight: 600; color: var(--muted); }
.sl-val {
  font-family: var(--display); font-size: 26px; font-weight: 700; letter-spacing: -.5px;
  background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent;
}
input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 10px; border-radius: 99px;
  background: linear-gradient(to right, var(--slider-fill) 50%, var(--slider-track) 50%);
  outline: none; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 28px; height: 28px; border-radius: 50%;
  background: #fff; border: 3px solid var(--blue);
  box-shadow: 0 3px 12px rgba(37, 99, 235, .4); cursor: grab;
  transition: transform .1s;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.08); }
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: #fff; border: 3px solid var(--blue);
  box-shadow: 0 3px 12px rgba(37, 99, 235, .4); cursor: grab;
}
.sl-mm { display: flex; justify-content: space-between; font-size: 12px; color: var(--muted); font-weight: 600; margin-top: 8px; }

.est {
  background: var(--blue-50); border-radius: 14px; padding: 16px 20px;
  display: flex; justify-content: space-between; align-items: center; margin-bottom: 10px;
}
.est .l { font-size: 13px; font-weight: 700; color: var(--blue); }
.est .v { font-family: var(--display); font-size: 22px; font-weight: 700; color: var(--blue-deep); }
.est-note { font-size: 11px; color: var(--muted); margin-bottom: 22px; }

.field { margin-bottom: 16px; }
.field label { display: block; font-size: 13px; font-weight: 700; margin-bottom: 7px; }
.field input, .field select {
  width: 100%; font-family: var(--font); font-size: 15px;
  padding: 14px 18px; border: 1.5px solid var(--line); border-radius: 12px;
  background: #fff; color: var(--ink); transition: .15s;
}
.field input:focus, .field select:focus {
  outline: none; border-color: var(--blue);
  box-shadow: 0 0 0 4px rgba(37, 99, 235, .12);
}
.field input.error, .field select.error { border-color: #dc2626; }
.field .err-msg { display: none; font-size: 12px; color: #dc2626; font-weight: 600; margin-top: 4px; }
.field.has-error .err-msg { display: block; }
.f-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.f-nav { display: flex; gap: 12px; margin-top: 6px; }
.f-nav .btn-next { flex: 1; }
.consent { font-size: 11.5px; color: var(--muted); margin-top: 14px; line-height: 1.5; }
.consent a { color: var(--blue); text-decoration: underline; }
.w-badges {
  display: flex; justify-content: center; flex-wrap: wrap; gap: 16px;
  background: var(--blue-50); padding: 14px 20px;
  font-size: 12px; font-weight: 700; color: var(--muted);
}
.w-badges b { color: var(--blue); }

/* ---------- Stats band (overlaps hero) ---------- */
.stats { margin-top: -46px; position: relative; z-index: 2; padding-bottom: 8px; }
.stats-g { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.stat {
  background: #fff; border-radius: var(--r);
  box-shadow: var(--shadow); border: 1px solid var(--line);
  padding: 28px 22px; text-align: center;
}
.stat .n {
  font-family: var(--display); font-size: 38px; font-weight: 700; letter-spacing: -1px;
  background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent;
}
.stat .t { font-size: 14px; color: var(--muted); font-weight: 600; margin-top: 4px; }

/* ---------- Sections ---------- */
.sec { padding: 84px 0; }
.sec-soft { background: var(--blue-50); }
.sec-head { text-align: center; max-width: 640px; margin: 0 auto 52px; }
.sec-head .kicker {
  display: inline-block; font-size: 12px; font-weight: 800; color: var(--blue);
  background: var(--blue-100); padding: 6px 16px; border-radius: 999px;
  text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 14px;
}
.sec-soft .sec-head .kicker { background: #fff; }
.sec-head h2 { font-size: 38px; font-weight: 700; letter-spacing: -1px; line-height: 1.15; margin-bottom: 14px; }
.sec-head p { color: var(--muted); font-size: 17px; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step {
  background: #fff; border-radius: var(--r); padding: 36px 30px;
  border: 1px solid var(--line); transition: .2s;
}
.step:hover { box-shadow: var(--shadow); transform: translateY(-4px); border-color: transparent; }
.step .n {
  width: 50px; height: 50px; border-radius: 14px;
  background: var(--grad); color: #fff;
  font-family: var(--display); font-size: 22px; font-weight: 700;
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
}
.step h3 { font-size: 19px; font-weight: 700; margin-bottom: 10px; }
.step p { font-size: 14.5px; color: var(--muted); }

/* Rates table */
.tbl-wrap { border-radius: var(--r); overflow: hidden; box-shadow: var(--shadow); border: 1px solid var(--line); background: #fff; }
table { width: 100%; border-collapse: collapse; }
thead th {
  background: var(--grad); color: #fff;
  font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: .6px;
  text-align: left; padding: 16px 22px;
}
tbody td { padding: 17px 22px; font-size: 15px; border-top: 1px solid var(--line); }
tbody tr:nth-child(even) { background: #fafcff; }
tbody tr:hover { background: var(--blue-50); }
td b { font-weight: 800; }
.pill {
  display: inline-block; font-size: 12px; font-weight: 700;
  background: var(--blue-100); color: var(--blue);
  border-radius: 99px; padding: 4px 12px;
}
.tbl-note { font-size: 12px; color: var(--muted); margin-top: 14px; text-align: center; }

/* Loan types */
.loantypes { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.loantype {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r);
  padding: 28px 24px; text-align: center; transition: .2s;
}
.loantype:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.loantype h3 { font-size: 16.5px; font-weight: 700; margin-bottom: 6px; }
.loantype .lt-range {
  font-family: var(--display); font-size: 15px; font-weight: 700;
  background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent;
  margin-bottom: 8px;
}
.loantype p { font-size: 13.5px; color: var(--muted); }

/* Benefits */
.bens { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.ben { background: #fff; border-radius: var(--r); padding: 32px 28px; border: 1px solid var(--line); transition: .2s; }
.ben:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.ben .ic {
  width: 52px; height: 52px; border-radius: 14px;
  background: var(--blue-100); color: var(--blue-dark);
  display: flex; align-items: center; justify-content: center; margin-bottom: 18px;
}
.ben h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; }
.ben p { font-size: 14px; color: var(--muted); }

/* Testimonials */
.testi { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.t-card { background: #fff; border-radius: var(--r); padding: 30px 28px; border: 1px solid var(--line); box-shadow: var(--shadow); }
.t-stars { color: var(--amber); letter-spacing: 2px; margin-bottom: 14px; }
.t-card blockquote { font-size: 14.5px; margin-bottom: 18px; font-style: italic; }
.t-who { display: flex; gap: 12px; align-items: center; }
.t-av {
  width: 44px; height: 44px; border-radius: 12px;
  background: var(--grad); color: #fff;
  font-weight: 800; font-size: 14px;
  display: flex; align-items: center; justify-content: center;
}
.t-who .n { font-weight: 800; font-size: 14px; }
.t-who .l { font-size: 12.5px; color: var(--muted); }

/* FAQ */
.faq-list { max-width: 740px; margin: 0 auto; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: 14px; margin-bottom: 12px; overflow: hidden; }
.faq-q {
  width: 100%; background: none; border: none;
  font-family: var(--font); font-size: 16px; font-weight: 700;
  text-align: left; padding: 20px 24px; cursor: pointer;
  display: flex; justify-content: space-between; gap: 16px; align-items: center;
  color: var(--ink);
}
.faq-icon {
  width: 28px; height: 28px; border-radius: 9px;
  background: var(--blue-100); color: var(--blue);
  display: inline-flex; align-items: center; justify-content: center;
  flex-shrink: 0; transition: .2s;
}
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--blue); color: #fff; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-a-inner { padding: 0 24px 22px; font-size: 14.5px; color: var(--muted); }

/* CTA banner */
.cta {
  background: var(--grad); border-radius: 26px;
  padding: 60px 44px; text-align: center; color: #fff;
  position: relative; overflow: hidden;
}
.cta::before {
  content: ""; position: absolute; top: -100px; right: -60px;
  width: 300px; height: 300px; border-radius: 50%;
  background: rgba(255,255,255,.1);
}
.cta h2 { font-size: 34px; font-weight: 700; letter-spacing: -.5px; margin-bottom: 12px; position: relative; }
.cta p { color: rgba(255,255,255,.85); margin-bottom: 28px; font-size: 16.5px; position: relative; }
.cta .btn { position: relative; }

/* ---------- Footer ---------- */
.ft { background: var(--footer-bg); color: #9fb0cd; padding: 56px 0 32px; font-size: 14px; }
.ft-grid { display: grid; grid-template-columns: 1.5fr 1fr 1.15fr 1.15fr 1fr; gap: 36px; margin-bottom: 36px; }
.ft-about { grid-column: auto; }
.ft h4 { font-size: 14px; font-weight: 800; color: #fff; margin-bottom: 14px; }
.ft .logo { color: #fff; }
.ft .logo .c { background: none; -webkit-text-fill-color: var(--green); color: var(--green); }
.ft-about p { font-size: 13.5px; margin-top: 12px; line-height: 1.7; }
.ft ul li { margin-bottom: 9px; }
.ft ul a { color: #9fb0cd; transition: color .15s; }
.ft ul a:hover { color: var(--green); }
.ft-badges { display: flex; flex-wrap: wrap; gap: 8px; }
.ft-badges span {
  border: 1px solid rgba(255,255,255,.2); border-radius: 8px;
  padding: 6px 12px; font-size: 12px; font-weight: 700; color: #c7d4ea;
}
.ft-legal { border-top: 1px solid rgba(255,255,255,.1); padding-top: 24px; font-size: 12px; line-height: 1.7; }
.ft-legal p { margin-bottom: 12px; }
.ft-legal strong { color: #d4defc; }
.ft-copy { text-align: center; margin-top: 18px; font-size: 12.5px; }
.ft-copy a { color: #9fb0cd; }

/* ---------- Lead modal ---------- */
.lead-modal {
  position: fixed; inset: 0; z-index: 950;
  background: rgba(23, 37, 84, .72);
  backdrop-filter: blur(4px);
  display: none; align-items: center; justify-content: center; padding: 20px;
}
.lead-modal.show { display: flex; }
.lead-card {
  background: #fff; border-radius: 22px;
  max-width: 480px; width: 100%;
  padding: 30px 30px 26px;
  position: relative;
  max-height: 92vh; overflow-y: auto;
  animation: popIn .3s ease;
}
.lm-close {
  position: absolute; top: 14px; right: 14px;
  width: 36px; height: 36px; border-radius: 50%;
  border: none; background: var(--blue-50); color: var(--blue-deep);
  font-size: 16px; font-weight: 700; cursor: pointer; line-height: 1;
  display: flex; align-items: center; justify-content: center;
  transition: .15s;
}
.lm-close:hover { background: var(--blue-100); }
.lead-card h3 { font-size: 22px; font-weight: 700; margin-bottom: 4px; padding-right: 36px; }
.lm-sub { font-size: 14px; color: var(--muted); margin-bottom: 18px; }
.lead-card .progress { margin-bottom: 8px; }
.lead-card .consent { margin-top: 16px; }
@media (max-width: 680px) {
  .lead-card { padding: 24px 20px 20px; }
}

/* ---------- Loading overlay ---------- */
.loading-overlay {
  position: fixed; inset: 0; z-index: 999;
  background: rgba(23, 37, 84, .96);
  display: none; align-items: center; justify-content: center; padding: 24px;
}
.loading-overlay.show { display: flex; }
.loading-card {
  background: #fff; border-radius: 24px; max-width: 440px; width: 100%;
  padding: 44px 36px; text-align: center; animation: popIn .35s ease;
}
@keyframes popIn { from { opacity: 0; transform: scale(.92); } to { opacity: 1; transform: scale(1); } }
.spinner {
  width: 64px; height: 64px; margin: 0 auto 24px; border-radius: 50%;
  border: 6px solid var(--blue-100); border-top-color: var(--blue);
  animation: spin 1s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* Countdown ring (loading) */
.countdown { position: relative; width: 96px; height: 96px; margin: 0 auto 24px; }
.countdown svg { width: 100%; height: 100%; transform: rotate(-90deg); display: block; }
.countdown circle { fill: none; stroke-width: 8; }
.countdown .cd-track { stroke: var(--blue-100); }
.countdown .cd-bar {
  stroke: var(--blue); stroke-linecap: round;
  stroke-dasharray: 276.46;
  stroke-dashoffset: 0;            /* full ring at start */
}
/* When .run is added, the ring empties over exactly 3s */
.countdown.run .cd-bar { animation: cdRing 3s linear forwards; }
@keyframes cdRing {
  from { stroke-dashoffset: 0; }
  to   { stroke-dashoffset: 276.46; }
}
.countdown .cd-num {
  position: absolute; inset: 0; display: flex; align-items: center; justify-content: center;
  font-family: var(--display); font-size: 42px; font-weight: 800; color: var(--blue-dark);
}
.countdown .cd-num.pop { animation: cdPop .45s ease; }
@keyframes cdPop { 0% { transform: scale(.55); opacity: .2; } 60% { transform: scale(1.12); } 100% { transform: scale(1); opacity: 1; } }

.loading-card h3 { font-size: 21px; font-weight: 700; margin-bottom: 22px; }
.loading-steps { text-align: left; max-width: 300px; margin: 0 auto; }
.loading-steps li {
  display: flex; align-items: center; gap: 10px;
  font-size: 14.5px; font-weight: 600; color: var(--muted);
  padding: 8px 0; opacity: .45; transition: .3s;
}
.loading-steps li.doing, .loading-steps li.done { opacity: 1; }
.loading-steps li .ls-icon {
  width: 22px; height: 22px; border-radius: 8px; flex-shrink: 0;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 12px; background: var(--line); color: var(--muted);
}
.loading-steps li.doing .ls-icon { background: #fef3c7; color: var(--amber); animation: pulse 1s ease infinite; }
.loading-steps li.done .ls-icon { background: var(--blue); color: #fff; }
.loading-steps li.done { color: var(--blue); }
@keyframes pulse { 0%,100% { transform: scale(1); } 50% { transform: scale(1.15); } }

/* ---------- Offers page ---------- */
.offers-hero { background: var(--grad); color: #fff; padding: 52px 0; text-align: center; position: relative; overflow: hidden; }
.offers-hero::after {
  content: ""; position: absolute; bottom: -220px; right: 20%;
  width: 420px; height: 420px; border-radius: 50%;
  background: rgba(74, 222, 128, .16); filter: blur(30px);
}
.offers-hero .container { position: relative; z-index: 1; }
.match-pill {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(74, 222, 128, .16); border: 1px solid rgba(74, 222, 128, .4);
  color: var(--green); font-size: 13px; font-weight: 800;
  border-radius: 999px; padding: 7px 18px; margin-bottom: 18px;
  text-transform: uppercase; letter-spacing: .5px;
}
.offers-hero h1 { font-size: 36px; font-weight: 700; letter-spacing: -1px; margin-bottom: 10px; }
.offers-hero p { color: rgba(255,255,255,.85); font-size: 16px; max-width: 640px; margin: 0 auto; }

.offers-list {
  padding: 44px 0 60px;
  display: flex; flex-direction: column; gap: 22px;
  max-width: 960px; margin: 0 auto;
}
.offer-card {
  background: #fff; border: 1px solid var(--line); border-radius: 20px;
  box-shadow: var(--shadow);
  display: grid; grid-template-columns: 210px 1fr 220px; align-items: stretch;
  position: relative; overflow: hidden;
  opacity: 0; transform: translateY(16px);
  animation: cardIn .45s ease forwards;
  transition: box-shadow .2s, transform .2s;
}
.offer-card:hover { box-shadow: var(--shadow-lg, 0 16px 50px rgba(30,64,175,.18)); transform: translateY(-2px); }
@keyframes cardIn { to { opacity: 1; transform: translateY(0); } }
.offer-card.featured { border: 2px solid var(--blue); box-shadow: 0 12px 44px rgba(37,99,235,.18); }

.offer-badge {
  position: absolute; top: 0; left: 0; z-index: 2;
  background: var(--grad); color: #fff;
  font-size: 11px; font-weight: 800; padding: 6px 16px 6px 14px;
  border-radius: 0 0 14px 0;
  text-transform: uppercase; letter-spacing: .6px;
}
.offer-badge.badge-amber { background: linear-gradient(120deg,#f59e0b,#fbbf24); }
.offer-badge.badge-navy { background: var(--blue-deep, #172554); }
.offer-badge.badge-grey { background: #94a3b8; }

/* Offers that don't match the requested amount/term: shown but de-emphasised */
.offer-card.offer-partial { opacity: .82; }
.offer-card.offer-partial:hover { opacity: 1; }

/* Brand column */
.oc-brand {
  padding: 30px 22px 24px; border-right: 1px solid var(--line);
  display: flex; flex-direction: column; align-items: center; text-align: center;
  background: linear-gradient(180deg, #fbfcfe, #fff);
}
.oc-logo {
  width: 96px; height: 64px; border-radius: 12px; background: #fff;
  border: 1px solid var(--line); display: flex; align-items: center; justify-content: center;
  padding: 8px; margin-bottom: 12px; position: relative;
}
.oc-logo::after { /* fallback initial when img hidden */
  content: attr(data-i); position: absolute; inset: 0;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--display); font-weight: 800; font-size: 22px; color: var(--brand);
  z-index: -1;
}
.oc-logo img { max-width: 100%; max-height: 100%; object-fit: contain; }
.oc-name { font-size: 16px; font-weight: 800; line-height: 1.2; color: var(--ink); }
.oc-rating { display: flex; align-items: center; gap: 5px; margin-top: 7px; font-size: 12.5px; }
.oc-stars { color: var(--amber); letter-spacing: .5px; font-size: 13px; }
.oc-rnum { font-weight: 800; color: var(--ink); }
.oc-rev { color: var(--muted); }
.oc-usp { font-size: 12.5px; color: var(--muted); margin-top: 10px; line-height: 1.4; }

/* Specs column */
.oc-specs {
  padding: 26px 26px 24px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 14px 22px; align-content: start;
}
.oc-spec { display: flex; flex-direction: column; gap: 2px; }
.oc-lbl { font-size: 11px; font-weight: 700; letter-spacing: .5px; text-transform: uppercase; color: var(--muted); }
.oc-val { font-size: 15px; font-weight: 700; color: var(--ink); }
.oc-spec.oc-hero { grid-column: 1 / -1; padding-bottom: 12px; border-bottom: 1px solid var(--line); }
.oc-amt {
  font-family: var(--display); font-size: 22px; letter-spacing: -.5px;
  background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent;
}
.oc-payout { color: var(--green-solid); }
.oc-feats { grid-column: 1 / -1; list-style: none; padding: 0; margin: 6px 0 0; display: flex; flex-wrap: wrap; gap: 8px 16px; }
.oc-feats li { display: flex; align-items: center; gap: 6px; font-size: 12.5px; font-weight: 600; color: var(--ink); }
.oc-feats svg { width: 14px; height: 14px; flex-shrink: 0; fill: none; stroke: var(--green-solid); stroke-width: 3; }

/* Action column */
.oc-action {
  padding: 26px 24px; border-left: 1px solid var(--line); background: var(--blue-50);
  display: flex; flex-direction: column; justify-content: center; gap: 10px;
}
.oc-action .btn { font-size: 15px; padding: 14px 18px; }
.oc-note { display: flex; align-items: center; gap: 6px; font-size: 11.5px; color: var(--muted); font-weight: 600; }
.oc-note svg { width: 13px; height: 13px; flex-shrink: 0; fill: none; stroke: var(--green-solid); stroke-width: 3; }

.offers-disclaimer {
  max-width: 960px; margin: 0 auto 64px; padding: 0 24px;
  font-size: 12px; color: var(--muted); line-height: 1.7; text-align: center;
}

/* Offer card responsive */
@media (max-width: 860px) {
  .offer-card { grid-template-columns: 1fr; }
  /* Stack card vertically; centre the brand block (logo, name, rating, USP) */
  .oc-brand {
    border-right: none; border-bottom: 1px solid var(--line);
    flex-direction: column; align-items: center; text-align: center;
    gap: 8px; padding: 24px 22px 22px;
  }
  .oc-logo { margin-bottom: 4px; }
  .oc-brand .oc-name, .oc-brand .oc-rating { text-align: center; }
  .oc-rating { justify-content: center; }
  .oc-usp { max-width: 360px; margin: 6px auto 0; }
  .oc-action { border-left: none; border-top: 1px solid var(--line); }
}
@media (max-width: 480px) {
  .oc-specs { grid-template-columns: 1fr 1fr; padding: 20px; gap: 14px 16px; }
  .oc-usp { max-width: 100%; }
}

/* ---------- Legal pages ---------- */
.legal-page { padding: 56px 0 72px; max-width: 800px; margin: 0 auto; }
.legal-page h1 { font-size: 34px; font-weight: 700; letter-spacing: -.5px; margin-bottom: 8px; }
.legal-page .legal-updated { color: var(--muted); font-size: 14px; margin-bottom: 32px; }
.legal-page h2 { font-size: 21px; font-weight: 700; margin: 32px 0 12px; }
.legal-page p, .legal-page li { font-size: 15px; margin-bottom: 12px; }
.legal-page ul { list-style: disc; padding-left: 24px; margin-bottom: 16px; }
.legal-page ul li { margin-bottom: 8px; }
.legal-page strong { font-weight: 700; }

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .hero .container { grid-template-columns: 1fr; gap: 44px; }
  .hero h1 { font-size: 40px; }
  .steps, .bens, .testi, .stats-g { grid-template-columns: 1fr 1fr; }
  .loantypes { grid-template-columns: 1fr 1fr; }
  .ft-grid { grid-template-columns: 1fr 1fr 1fr; }
  .ft-about { grid-column: 1 / -1; }
}
@media (max-width: 680px) {
  /* ---- Mobile menu panel ---- */
  .main-nav {
    display: flex; flex-direction: column;
    position: fixed; top: 72px; left: 0; right: 0; bottom: 0;
    background: #fff; z-index: 200;
    padding: 14px 18px calc(18px + env(safe-area-inset-bottom, 0px));
    overflow-y: auto;
    transform: translateY(-10px);
    opacity: 0; visibility: hidden; pointer-events: none;
    transition: opacity .22s ease, transform .22s ease, visibility .22s;
  }
  .main-nav.open { opacity: 1; visibility: visible; transform: translateY(0); pointer-events: auto; }
  /* backdrop-filter on .hd traps the fixed menu behind the hero — drop it on mobile */
  .hd { backdrop-filter: none; background: #fff; }

  .main-nav ul { flex-direction: column; align-items: stretch; gap: 4px; }

  /* Top-level items: pill rows with an icon + chevron */
  .main-nav > ul > li > a {
    display: flex; align-items: center; gap: 12px;
    padding: 14px 14px; font-size: 16.5px; font-weight: 700; color: var(--ink);
    border-radius: 12px;
  }
  .main-nav > ul > li > a:active,
  .main-nav > ul > li > a:hover { background: var(--blue-50); color: var(--blue-dark); }
  /* leading icon */
  .main-nav > ul > li > a::before {
    content: ""; width: 22px; height: 22px; flex-shrink: 0;
    background: var(--blue); border-radius: 6px;
    -webkit-mask: var(--nav-ic) center/20px no-repeat; mask: var(--nav-ic) center/20px no-repeat;
  }
  /* trailing chevron */
  .main-nav > ul > li > a::after {
    content: ""; margin-left: auto; width: 8px; height: 8px;
    border-right: 2px solid var(--muted); border-bottom: 2px solid var(--muted);
    transform: rotate(-45deg); opacity: .6;
  }
  /* per-item icons (loans / reviews / calculator / guides / faq) */
  .main-nav > ul > li:nth-child(1) > a { --nav-ic: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='white'%3E%3Cpath d='M3 7h18v10a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V7zm2-3h9l2 3H5V4z'/%3E%3C/svg%3E"); }
  .main-nav > ul > li:nth-child(2) > a { --nav-ic: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='white'%3E%3Cpath d='M12 2l3 6 6 .5-4.5 4 1.5 6L12 15l-6 3.5 1.5-6L3 8.5 9 8z'/%3E%3C/svg%3E"); }
  .main-nav > ul > li:nth-child(3) > a { --nav-ic: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='white'%3E%3Cpath d='M6 2h12a2 2 0 0 1 2 2v16a2 2 0 0 1-2 2H6a2 2 0 0 1-2-2V4a2 2 0 0 1 2-2zm1 4v3h10V6H7zm0 5h3v3H7v-3zm5 0h3v3h-3v-3z'/%3E%3C/svg%3E"); }
  .main-nav > ul > li:nth-child(4) > a { --nav-ic: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='white'%3E%3Cpath d='M4 4h16v14H8l-4 4V4z'/%3E%3C/svg%3E"); }
  .main-nav > ul > li:nth-child(5) > a { --nav-ic: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='white'%3E%3Cpath d='M12 2a10 10 0 100 20 10 10 0 000-20zm1 15h-2v-2h2v2zm1.7-6.4-.9.9c-.6.6-.8 1-.8 1.9h-2v-.5c0-.9.4-1.7 1-2.3l1.2-1.2a1.5 1.5 0 10-2.6-1H8.6a3.5 3.5 0 116.1 2.2z'/%3E%3C/svg%3E"); }

  /* "Loans" group: label + indented sub-items (no icon/chevron on the label) */
  .main-nav .has-sub > a {
    color: var(--muted); font-size: 11.5px; font-weight: 800;
    letter-spacing: 1px; text-transform: uppercase;
    padding: 12px 14px 4px; pointer-events: none; border-radius: 0;
  }
  .main-nav .has-sub > a::before, .main-nav .has-sub > a::after { display: none; }
  .main-nav .sub { position: static; display: block; padding: 0; min-width: 0; }
  .main-nav .sub-inner { border: none; box-shadow: none; padding: 0; background: transparent; }
  .main-nav .sub a {
    display: block; padding: 12px 14px; font-size: 15.5px; font-weight: 600;
    color: var(--ink); border-radius: 12px;
  }
  .main-nav .sub a:active, .main-nav .sub a:hover { background: var(--blue-50); color: var(--blue-dark); }

  /* subtle divider before the standalone items */
  .main-nav > ul > li.has-sub { border-bottom: 1px solid var(--line); padding-bottom: 6px; margin-bottom: 6px; }

  /* CTA button — full width, real button colours (override .main-nav a) */
  .main-nav-cta { display: block; margin-top: auto; padding-top: 20px; }
  .main-nav-cta .btn.btn-green { width: 100%; padding: 16px; font-size: 16px; color: #fff; }

  .nav-toggle { display: block; z-index: 205; }
  .hd .header-cta { display: none; }

  /* Hamburger → X animation */
  .nav-toggle span { transition: transform .25s ease, opacity .2s ease; transform-origin: center; }
  .nav-toggle.open span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
  .nav-toggle.open span:nth-child(2) { opacity: 0; }
  .nav-toggle.open span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }
  /* Prevent body scroll behind open menu */
  body.nav-open { overflow: hidden; }

  .hero { padding: 48px 0 90px; }
  .hero h1 { font-size: 32px; }
  .ticks { grid-template-columns: 1fr; }
  .w-head, .w-body { padding-left: 22px; padding-right: 22px; }
  .f-row { grid-template-columns: 1fr; }

  .steps, .bens, .testi, .stats-g, .loantypes { grid-template-columns: 1fr; }
  .sec { padding: 56px 0; }
  .sec-head h2 { font-size: 28px; }
  .ft-grid { grid-template-columns: 1fr 1fr; gap: 26px 20px; }
  .ft-about { grid-column: 1 / -1; }
  .cta { padding: 44px 26px; }
  .cta h2 { font-size: 26px; }

  /* Wide tables: scroll horizontally inside their box (header stays visible),
     instead of stacking columns without labels. */
  .tbl-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .tbl-wrap table { min-width: 480px; }
  thead th { padding: 12px 14px; font-size: 12px; }
  tbody td { padding: 12px 14px; font-size: 13.5px; white-space: nowrap; }

  .offer-card { grid-template-columns: 1fr; text-align: center; gap: 16px; }
  .offer-logo { margin: 0 auto; }
  .offer-specs, .offer-feats, .offer-rating { justify-content: center; }
  .offers-hero h1 { font-size: 27px; }
}

/* ============================================================
   SEO pages: dropdown nav, breadcrumbs, articles, calculator
   ============================================================ */

/* Dropdown menu */
.main-nav .has-sub { position: relative; }
.main-nav .has-sub > a::after { content: " ▾"; font-size: 10px; }
.main-nav .sub {
  position: absolute; top: 100%; left: -16px; padding-top: 10px;
  display: none; z-index: 60; min-width: 230px;
}
.main-nav .sub-inner {
  background: #fff; border: 1px solid var(--line); border-radius: 14px;
  box-shadow: var(--shadow); padding: 10px;
}
.main-nav .has-sub:hover .sub { display: block; }
.main-nav .sub a {
  display: block; padding: 9px 14px; border-radius: 9px;
  font-size: 14.5px; color: var(--ink); font-weight: 600;
}
.main-nav .sub a:hover { background: var(--blue-50); color: var(--blue); }

/* Page hero (subpages) */
.page-hero { background: var(--grad); color: #fff; padding: 52px 0 60px; position: relative; overflow: hidden; }
.page-hero::before {
  content: ""; position: absolute; top: -160px; left: -100px;
  width: 420px; height: 420px; border-radius: 50%;
  background: rgba(255,255,255,.07); filter: blur(10px);
}
.page-hero::after {
  content: ""; position: absolute; bottom: -220px; right: 8%;
  width: 400px; height: 400px; border-radius: 50%;
  background: rgba(74, 222, 128, .15); filter: blur(34px);
}
.page-hero .container { position: relative; z-index: 1; }
.crumbs { font-size: 13px; color: rgba(255,255,255,.72); margin-bottom: 16px; }
.crumbs a { color: rgba(255,255,255,.95); }
.crumbs a:hover { text-decoration: underline; }
.page-hero .ph-cat {
  display: inline-block; font-size: 11.5px; font-weight: 800; letter-spacing: 1.4px;
  text-transform: uppercase; color: #bfe3ff;
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2);
  padding: 5px 14px; border-radius: 999px; margin-bottom: 16px;
}
.page-hero h1 { font-size: 40px; font-weight: 700; letter-spacing: -1.2px; line-height: 1.12; margin-bottom: 14px; max-width: 800px; }
.page-hero .ph-sub { font-size: 17.5px; color: rgba(255,255,255,.88); max-width: 700px; line-height: 1.55; }
.page-hero .updated {
  display: inline-flex; align-items: center; gap: 8px; flex-wrap: wrap;
  font-size: 12.5px; color: rgba(255,255,255,.7); margin-top: 18px; font-weight: 600;
}
.page-hero .updated .dot { width: 3px; height: 3px; border-radius: 50%; background: rgba(255,255,255,.5); }
.page-hero .updated .verified { display: inline-flex; align-items: center; gap: 5px; color: #a7f3c7; }

/* Article layout: content + sticky TOC sidebar */
.article-wrap { padding: 48px 0 80px; }
.article-layout {
  display: grid; grid-template-columns: minmax(0, 1fr) 260px; gap: 52px;
  max-width: 1080px; margin: 0 auto; align-items: start;
}
.article { max-width: 760px; min-width: 0; }
.article.no-toc { max-width: 820px; margin: 0 auto; }

/* Table of contents */
.toc { position: sticky; top: 96px; }
.toc-inner {
  border: 1px solid var(--line); border-radius: var(--r); padding: 20px 22px;
  background: #fff;
}
.toc-title {
  font-size: 11.5px; font-weight: 800; letter-spacing: 1.2px; text-transform: uppercase;
  color: var(--muted); margin-bottom: 14px;
}
.toc ul { list-style: none; padding: 0; margin: 0; }
.toc li { margin: 0; }
.toc a:not(.btn) {
  display: block; font-size: 13.5px; line-height: 1.4; color: var(--muted);
  padding: 7px 0 7px 14px; border-left: 2px solid var(--line);
  transition: color .15s, border-color .15s;
}
.toc a:not(.btn):hover, .toc a.active { color: var(--blue); border-left-color: var(--blue); font-weight: 600; }
.toc-cta { margin-top: 18px; }
.toc-cta .btn { width: 100%; font-size: 14px; padding: 12px; }

/* Answer box */
.answer-box {
  background: linear-gradient(180deg, var(--blue-50), #fff);
  border: 1px solid var(--blue-100); border-left: 4px solid var(--blue);
  border-radius: 0 14px 14px 0; padding: 20px 24px; margin-bottom: 32px;
}
.answer-box .ab-label {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: 11px; font-weight: 800; color: var(--blue);
  text-transform: uppercase; letter-spacing: 1.2px; margin-bottom: 8px;
}
.answer-box .ab-label::before {
  content: ""; width: 14px; height: 14px; flex-shrink: 0;
  background: var(--blue); border-radius: 50%;
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='white'%3E%3Cpath d='M12 2a10 10 0 100 20 10 10 0 000-20zm1 15h-2v-6h2v6zm0-8h-2V7h2v2z'/%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='white'%3E%3Cpath d='M12 2a10 10 0 100 20 10 10 0 000-20zm1 15h-2v-6h2v6zm0-8h-2V7h2v2z'/%3E%3C/svg%3E") center/contain no-repeat;
}
.answer-box p { font-size: 15.5px; margin: 0; line-height: 1.6; }

/* Key takeaways */
.takeaways {
  background: var(--blue-50); border: 1px solid var(--blue-100);
  border-radius: var(--r); padding: 26px 30px; margin: 32px 0;
}
.takeaways h2, .takeaways h3 {
  font-size: 13px; font-weight: 800; letter-spacing: 1px; text-transform: uppercase;
  color: var(--blue-dark); margin-bottom: 16px; display: flex; align-items: center; gap: 9px;
}
.takeaways h2::before, .takeaways h3::before {
  content: ""; width: 18px; height: 18px; flex-shrink: 0; background: var(--blue);
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='white'%3E%3Cpath d='M9 21h6v-1H9v1zm3-19a7 7 0 00-4 12.7V17h8v-2.3A7 7 0 0012 2z'/%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='white'%3E%3Cpath d='M9 21h6v-1H9v1zm3-19a7 7 0 00-4 12.7V17h8v-2.3A7 7 0 0012 2z'/%3E%3C/svg%3E") center/contain no-repeat;
}
.takeaways ul { list-style: none; padding: 0; margin: 0; }
.takeaways li { display: flex; gap: 12px; align-items: flex-start; font-size: 15px; padding: 7px 0; line-height: 1.5; }
.takeaways li::before {
  content: "✓"; flex-shrink: 0; width: 22px; height: 22px; border-radius: 7px;
  background: var(--blue); color: #fff;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 800; margin-top: 1px;
}

/* Prose typography */
.prose { font-size: 16px; color: #263041; }
.prose > h2 {
  font-size: 27px; font-weight: 700; letter-spacing: -.6px; line-height: 1.2;
  margin: 44px 0 16px; padding-top: 8px; scroll-margin-top: 90px;
}
.prose > h2:first-child { margin-top: 0; }
.prose h3 { font-size: 20px; font-weight: 700; margin: 30px 0 12px; scroll-margin-top: 90px; }
.prose p { font-size: 16px; line-height: 1.72; margin-bottom: 16px; }
.prose ul, .prose ol { padding-left: 4px; margin: 0 0 20px; list-style: none; }
.prose ul li, .prose ol li { position: relative; font-size: 16px; line-height: 1.65; margin-bottom: 11px; padding-left: 30px; }
.prose ul li::before {
  content: ""; position: absolute; left: 4px; top: 9px;
  width: 7px; height: 7px; border-radius: 2px; background: var(--blue);
}
.prose ol { counter-reset: li; }
.prose ol li { counter-increment: li; }
.prose ol li::before {
  content: counter(li); position: absolute; left: 0; top: 1px;
  width: 22px; height: 22px; border-radius: 7px;
  background: var(--blue-100); color: var(--blue-dark);
  font-size: 12px; font-weight: 800; display: flex; align-items: center; justify-content: center;
}
.prose a:not(.btn) { color: var(--blue); text-decoration: underline; text-underline-offset: 2px; text-decoration-thickness: 1px; }
.prose a:not(.btn):hover { color: var(--blue-dark); }
/* Buttons inside prose keep their button styling, never link styling */
.prose a.btn { text-decoration: none; }
.prose a.btn-green { color: #fff; }
.prose a.btn-primary, .prose a.btn-outline { color: inherit; }
.prose strong { font-weight: 700; color: var(--ink); }
.prose > .tbl-wrap { margin: 24px 0; }
.prose blockquote {
  border-left: 3px solid var(--blue); padding: 6px 0 6px 20px;
  color: var(--muted); font-style: italic; margin: 22px 0;
}

/* Section divider between major H2 blocks (optional class) */
.prose hr { border: none; border-top: 1px solid var(--line); margin: 40px 0; }

/* Callout boxes: .callout.info / .warning / .tip */
.callout {
  display: flex; gap: 14px; align-items: flex-start;
  border-radius: var(--r); padding: 18px 20px; margin: 26px 0;
  font-size: 15px; line-height: 1.6;
}
.callout .co-ic {
  flex-shrink: 0; width: 36px; height: 36px; border-radius: 10px;
  display: inline-flex; align-items: center; justify-content: center;
}
.callout .co-ic svg { width: 20px; height: 20px; }
.callout p { margin: 0 0 6px; }
.callout p:last-child { margin: 0; }
.callout strong { display: block; margin-bottom: 3px; }
.callout.info { background: var(--blue-50); border: 1px solid var(--blue-100); }
.callout.info .co-ic { background: var(--blue-100); color: var(--blue-dark); }
.callout.warning { background: #fef2f2; border: 1px solid #fecaca; }
.callout.warning .co-ic { background: #fee2e2; color: #dc2626; }
.callout.warning strong { color: #b91c1c; }
.callout.tip { background: #f0fdf4; border: 1px solid #bbf7d0; }
.callout.tip .co-ic { background: #dcfce7; color: var(--green-solid); }
.callout.tip strong { color: var(--green-deep); }

/* Inline CTA banner */
.cta-inline {
  background: var(--grad); border-radius: var(--r); padding: 28px 32px;
  display: flex; justify-content: space-between; align-items: center; gap: 20px;
  color: #fff; margin: 40px 0; position: relative; overflow: hidden;
}
.cta-inline::before {
  content: ""; position: absolute; top: -80px; right: -40px;
  width: 220px; height: 220px; border-radius: 50%; background: rgba(255,255,255,.08);
}
.cta-inline .ci-txt { position: relative; z-index: 1; }
.cta-inline .ci-txt h3 { font-size: 20px; font-weight: 700; margin-bottom: 4px; }
.cta-inline .ci-txt p { font-size: 14px; color: rgba(255,255,255,.88); margin: 0; }
.cta-inline .btn { flex-shrink: 0; position: relative; z-index: 1; }

/* Author / review card (E-E-A-T) */
.author-card {
  display: flex; gap: 16px; align-items: center;
  border: 1px solid var(--line); border-radius: var(--r);
  padding: 20px 24px; margin: 40px 0 8px; background: var(--bg, #f8fafc);
}
.author-card .av {
  flex-shrink: 0; width: 52px; height: 52px; border-radius: 14px;
  background: var(--grad); color: #fff; display: inline-flex;
  align-items: center; justify-content: center; font-weight: 800; font-size: 18px;
  font-family: var(--display);
}
.author-card .au-name { font-weight: 700; font-size: 15px; }
.author-card .au-meta { font-size: 13px; color: var(--muted); margin-top: 2px; }
.author-card .au-meta a { color: var(--blue); }

/* Related reading cards */
.related { margin-top: 48px; }
.related > h2 { font-size: 22px; font-weight: 700; margin-bottom: 20px; letter-spacing: -.4px; }
.related-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; }
.related-card {
  display: block; border: 1px solid var(--line); border-radius: 14px;
  padding: 20px; transition: box-shadow .2s, transform .2s, border-color .2s;
}
.related-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: transparent; }
.related-card .rc-tag { font-size: 11px; font-weight: 800; letter-spacing: .8px; text-transform: uppercase; color: var(--blue); }
.related-card h3 { font-size: 15.5px; font-weight: 700; margin: 8px 0 0; line-height: 1.4; color: var(--ink); }
.related-card .rc-arrow { font-size: 13px; font-weight: 700; color: var(--blue); margin-top: 12px; display: inline-block; }

/* Calculator */
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: start; max-width: 980px; margin: 0 auto; }
.calc-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 30px; box-shadow: var(--shadow); }
.calc-card h2 { font-size: 19px; font-weight: 700; margin-bottom: 22px; }
.seg { display: flex; background: var(--blue-50); border-radius: 12px; padding: 5px; margin-bottom: 24px; }
.seg button {
  flex: 1; border: none; background: transparent; font-family: var(--font);
  font-size: 13.5px; font-weight: 700; color: var(--muted);
  padding: 10px 12px; border-radius: 9px; cursor: pointer; transition: .15s;
}

/* Calculator */
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: start; max-width: 980px; margin: 0 auto; }
.calc-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 30px; box-shadow: var(--shadow); }
.calc-card h2 { font-size: 19px; font-weight: 700; margin-bottom: 22px; }
.seg { display: flex; background: var(--blue-50); border-radius: 12px; padding: 5px; margin-bottom: 24px; }
.seg button {
  flex: 1; border: none; background: transparent; font-family: var(--font);
  font-size: 13.5px; font-weight: 700; color: var(--muted);
  padding: 10px 12px; border-radius: 9px; cursor: pointer; transition: .15s;
}
.seg button.on { background: #fff; color: var(--blue); box-shadow: 0 2px 8px rgba(30,64,175,.15); }
.calc-result .row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 12px 0; border-bottom: 1px dashed var(--line); font-size: 15px;
}
.calc-result .row .lbl { color: var(--muted); }
.calc-result .row .val { font-weight: 700; }
.calc-result .row.total { border-bottom: none; padding-top: 16px; }
.calc-result .row.total .lbl { color: var(--ink); font-weight: 700; font-size: 16px; }
.calc-result .row.total .val {
  font-family: var(--display); font-size: 28px; font-weight: 700;
  background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent;
}
.calc-note { font-size: 12px; color: var(--muted); margin-top: 14px; line-height: 1.6; }

/* Guide cards */
.guide-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.guide-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r);
  overflow: hidden; transition: .2s; display: flex; flex-direction: column;
}
.guide-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.guide-card .gc-top { background: var(--grad); padding: 22px 24px; }
.guide-card .gc-tag {
  display: inline-block; font-size: 11px; font-weight: 800; color: #fff;
  background: rgba(255,255,255,.18); border-radius: 99px; padding: 4px 12px;
  text-transform: uppercase; letter-spacing: .8px;
}
.guide-card .gc-body { padding: 22px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.guide-card h3 { font-size: 17.5px; font-weight: 700; margin-bottom: 8px; line-height: 1.35; }
.guide-card p { font-size: 14px; color: var(--muted); margin-bottom: 16px; flex: 1; }
.guide-card .gc-link { font-size: 14px; font-weight: 700; color: var(--blue); }

/* Contact / about */
.info-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; max-width: 820px; margin: 0 auto; }
.info-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 28px; box-shadow: var(--shadow); }
.info-card h3 { font-size: 17px; font-weight: 700; margin-bottom: 10px; display: flex; align-items: center; gap: 10px; }
.info-card h3 .ic {
  width: 38px; height: 38px; border-radius: 11px; flex-shrink: 0;
  background: var(--blue-100); color: var(--blue-dark);
  display: inline-flex; align-items: center; justify-content: center;
}
.info-card p, .info-card li { font-size: 14.5px; color: var(--muted); }
.info-card a { color: var(--blue); font-weight: 600; }

@media (max-width: 960px) {
  .guide-grid { grid-template-columns: 1fr 1fr; }
  .calc-grid { grid-template-columns: 1fr; }
  /* Collapse article to single column, hide sticky TOC */
  .article-layout { grid-template-columns: 1fr; gap: 0; max-width: 760px; }
  .toc { display: none; }
  .article { max-width: 100%; }
}
@media (max-width: 680px) {
  .main-nav .sub { position: static; display: block; padding: 4px 0 0 14px; min-width: 0; }
  .main-nav .sub-inner { border: none; box-shadow: none; padding: 0; background: transparent; }
  .main-nav .has-sub > a::after { content: ""; }
  .page-hero h1 { font-size: 28px; }
  .page-hero .ph-sub { font-size: 16px; }
  .prose > h2 { font-size: 23px; margin-top: 34px; }
  .prose h3 { font-size: 18px; }
  .author-card { flex-direction: column; text-align: center; }
  .related-grid { grid-template-columns: 1fr; }
  .guide-grid, .info-grid { grid-template-columns: 1fr; }
  .cta-inline { flex-direction: column; text-align: center; }
}

/* ============================================================
   LENDER REVIEW PAGES
   ============================================================ */
/* Review hero: rating summary */
.rev-hero { display: flex; align-items: center; gap: 22px; flex-wrap: wrap; margin-top: 20px; }
.rev-logo {
  width: 96px; height: 68px; border-radius: 14px; background: #fff;
  border: 1px solid rgba(255,255,255,.3); flex-shrink: 0;
  display: flex; align-items: center; justify-content: center; padding: 10px;
}
.rev-logo img { max-width: 100%; max-height: 100%; object-fit: contain; }
.rev-score { display: flex; align-items: center; gap: 14px; }
.rev-score .num {
  font-family: var(--display); font-size: 44px; font-weight: 800; line-height: 1;
  color: #fff;
}
.rev-score .num small { font-size: 20px; opacity: .7; font-weight: 700; }
.rev-score .rs-stars { color: #fbbf24; font-size: 20px; letter-spacing: 2px; }
.rev-score .rs-count { font-size: 13px; color: rgba(255,255,255,.8); margin-top: 2px; }

/* At-a-glance table */
.glance {
  border: 1px solid var(--line); border-radius: var(--r); overflow: hidden;
  margin: 6px 0 30px; box-shadow: var(--shadow);
}
.glance h2 {
  font-size: 13px; font-weight: 800; letter-spacing: 1px; text-transform: uppercase;
  color: var(--blue); background: var(--blue-50); padding: 14px 22px; margin: 0;
}
.glance dl { margin: 0; }
.glance .g-row { display: flex; border-top: 1px solid var(--line); }
.glance .g-row dt {
  flex: 0 0 42%; padding: 13px 22px; font-size: 14px; font-weight: 600; color: var(--muted);
  background: #fbfcfe;
}
.glance .g-row dd { flex: 1; padding: 13px 22px; margin: 0; font-size: 14.5px; font-weight: 700; color: var(--ink); }

/* Pros / cons */
.proscons { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 28px 0; }
.pc-box { border: 1px solid var(--line); border-radius: var(--r); padding: 22px 24px; }
.pc-box h3 { font-size: 16px; font-weight: 800; margin-bottom: 14px; display: flex; align-items: center; gap: 8px; }
.pc-box.pros { background: #f0fdf4; border-color: #bbf7d0; }
.pc-box.pros h3 { color: var(--green-deep); }
.pc-box.cons { background: #fef7f2; border-color: #fed7aa; }
.pc-box.cons h3 { color: #b45309; }
.pc-box ul { list-style: none; padding: 0; margin: 0; }
.pc-box ul li { position: relative; padding-left: 26px; font-size: 14.5px; line-height: 1.5; margin-bottom: 10px; }
/* Reset the prose square-bullet (same specificity, defined later → wins), then apply ✓ / ! */
.pc-box ul li::before {
  position: absolute; left: 0; top: 0; font-weight: 800;
  width: auto; height: auto; background: none; border-radius: 0;
  font-size: 15px; line-height: 1.4;
}
.pc-box.pros ul li::before { content: "✓"; color: var(--green-solid); }
.pc-box.cons ul li::before { content: "!"; color: #ea580c; width: 18px; text-align: center; }

/* Verdict box */
.verdict {
  background: linear-gradient(135deg, var(--blue-50), #fff);
  border: 1px solid var(--blue-100); border-left: 4px solid var(--blue);
  border-radius: 0 var(--r) var(--r) 0; padding: 22px 26px; margin: 30px 0;
}
.verdict h2 { font-size: 18px; font-weight: 800; margin-bottom: 8px; }
.verdict p { margin-bottom: 0; }

/* Reviews hub cards */
.rev-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.rev-card {
  display: flex; flex-direction: column; border: 1px solid var(--line); border-radius: var(--r);
  overflow: hidden; background: #fff; transition: box-shadow .2s, transform .2s, border-color .2s;
}
.rev-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: transparent; }
.rev-card .rc-top { display: flex; align-items: center; gap: 14px; padding: 20px 22px 16px; }
.rev-card .rc-logo {
  width: 66px; height: 46px; border-radius: 10px; background: #fff; border: 1px solid var(--line);
  flex-shrink: 0; display: flex; align-items: center; justify-content: center; padding: 6px;
}
.rev-card .rc-logo img { max-width: 100%; max-height: 100%; object-fit: contain; }
.rev-card .rc-name { font-size: 16px; font-weight: 800; }
.rev-card .rc-rate { font-size: 12.5px; color: var(--muted); margin-top: 2px; }
.rev-card .rc-rate .stars { color: #f59e0b; }
.rev-card .rc-body { padding: 0 22px 18px; flex: 1; }
.rev-card .rc-spec { font-size: 13.5px; color: var(--ink); padding: 3px 0; }
.rev-card .rc-spec b { color: var(--blue-dark); }
.rev-card .rc-foot { padding: 0 22px 22px; display: flex; gap: 10px; }
.rev-card .rc-foot .btn { flex: 1; font-size: 14px; padding: 11px; }

@media (max-width: 640px) {
  .proscons { grid-template-columns: 1fr; }
  .glance .g-row { flex-direction: column; }
  .glance .g-row dt { flex-basis: auto; padding-bottom: 2px; }
  .glance .g-row dd { padding-top: 2px; }
  .rev-score .num { font-size: 36px; }
}

/* ============================================================
   MOBILE HARDENING — prevent horizontal overflow & clipped text
   ============================================================ */
@media (max-width: 680px) {
  .container { padding: 0 18px; }

  /* Widget/estimate/rows must be allowed to shrink inside their column */
  .widget, .w-body, .sl, .est, .offer-info, .offer-card { min-width: 0; }
  .widget input[type="range"] { max-width: 100%; }

  /* Hero headline must break, not overflow */
  .hero h1 { font-size: 27px; line-height: 1.2; overflow-wrap: break-word; hyphens: auto; }
  .hero-sub { font-size: 15.5px; overflow-wrap: break-word; }
  .hero { padding-left: 0; padding-right: 0; }
  /* Belt-and-braces: nothing inside the hero may exceed the viewport */
  .hero * { max-width: 100%; }

  /* Slider rows: let the value drop under the label if needed */
  .sl-top { flex-wrap: wrap; gap: 2px 10px; }
  .sl-val { font-size: 22px; }

  /* Estimate + calculator result rows: allow wrap, keep value readable */
  .est { flex-wrap: wrap; gap: 4px 10px; }
  .est .v { font-size: 20px; }
  .calc-result .row { flex-wrap: wrap; gap: 2px 10px; }

  /* Offer specs: stack cleanly, never push width */
  .offer-specs { flex-direction: column; gap: 4px; }
  .offer-specs .spec { font-size: 13px; }

  /* Widget head: allow the SSL badge to wrap under the title */
  .w-head { flex-wrap: wrap; gap: 6px; }

  /* Wide tables scroll horizontally on mobile — see the table rules in the
     680px block. (Prose tables get the same treatment.) */

  /* Any stray long string (URLs, emails) wraps */
  .prose a, .info-card a, .ft a { overflow-wrap: break-word; word-break: break-word; }

  /* Modal fits small screens */
  .lead-card { padding: 22px 20px 20px; }
  .lead-card h3 { font-size: 20px; }
}

/* Extra-small phones (≤360px, common on Android in SA) */
@media (max-width: 380px) {
  .container { padding: 0 14px; }
  .hero h1 { font-size: 26px; }
  .stat .n, .sl-val { font-size: 20px; }
  .btn-lg { padding: 15px 22px; font-size: 15px; }
  .logo { font-size: 19px; }
}