/* ============================================================
   quickenloansapp.com — Main Stylesheet
   Theme: "Mortgage Authority" — Navy / White / Amber Gold
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Merriweather:wght@400;700;900&family=Source+Sans+3:wght@300;400;500;600;700&family=DM+Mono:wght@400;500&display=swap');

/* ---- CSS Variables ---- */
:root {
  --navy:      #1B3A6B;
  --navy-dark: #0D1F3C;
  --navy-mid:  #1E4A82;
  --blue:      #2068B8;
  --amber:     #D4A843;
  --amber-dark:#B8902E;
  --amber-light:#FDF4DC;
  --bg:        #F8F9FC;
  --bg2:       #EEF1F7;
  --white:     #FFFFFF;
  --text:      #1A1A2E;
  --text-muted:#5A6A80;
  --border:    #D4DCEA;
  --green:     #1A8A4A;
  --red:       #C23030;
  --shadow-sm: 0 1px 4px rgba(13,31,60,.08);
  --shadow-md: 0 4px 16px rgba(13,31,60,.14);
  --shadow-lg: 0 8px 32px rgba(13,31,60,.18);
  --radius:    10px;
  --radius-lg: 16px;
  --font-display: 'Merriweather', Georgia, serif;
  --font-body:    'Source Sans 3', system-ui, sans-serif;
  --font-mono:    'DM Mono', monospace;
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
ul { list-style: none; }

/* ---- Skip Link ---- */
.skip-link {
  position: absolute; left: -9999px; top: auto;
  width: 1px; height: 1px; overflow: hidden;
}
.skip-link:focus {
  left: 0; top: 0; width: auto; height: auto;
  padding: 8px 16px; background: var(--navy);
  color: #fff; z-index: 9999; border-radius: 0 0 var(--radius) 0;
}

/* ---- Top Bar ---- */
.top-bar {
  background: var(--navy-dark);
  color: rgba(255,255,255,.75);
  font-size: .8rem;
  padding: 6px 0;
  text-align: center;
}
.top-bar a { color: var(--amber); }

/* ---- Header / Nav ---- */
.site-header {
  position: static;
  background: var(--white);
  border-bottom: 2px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.header-inner {
  max-width: 1200px; margin: 0 auto;
  padding: 0 24px;
  display: flex; align-items: center; justify-content: space-between;
  height: 68px;
}
.site-logo {
  display: flex; align-items: center; gap: 0;
  font-family: var(--font-display);
  font-size: 1.25rem; font-weight: 900;
  color: var(--navy); text-decoration: none;
  letter-spacing: -.02em;
}
.site-logo em { color: var(--amber); font-style: normal; }
.site-logo .logo-icon { display: none; }

.site-nav { display: flex; align-items: center; gap: 4px; }
.site-nav a {
  color: var(--text); font-weight: 500; font-size: .92rem;
  padding: 6px 12px; border-radius: 6px; transition: .15s;
}
.site-nav a:hover { background: var(--bg); color: var(--navy); text-decoration: none; }
.site-nav a.active { color: var(--navy); font-weight: 700; }

.nav-dropdown { position: relative; }
.nav-dropdown > a::after { content: " ▾"; font-size: .7rem; }
.dropdown-menu {
  display: none; position: absolute; top: 100%; left: 0;
  min-width: 220px; background: var(--white);
  border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow-md); padding: 8px 0; z-index: 300;
}
.nav-dropdown:hover .dropdown-menu { display: block; }
.dropdown-menu a {
  display: block; padding: 8px 16px;
  font-size: .88rem; border-radius: 0;
  color: var(--text);
}
.dropdown-menu a:hover { background: var(--bg); color: var(--navy); }

.btn-apply {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--amber); color: var(--navy);
  font-weight: 700; font-size: .9rem;
  padding: 10px 20px; border-radius: 8px;
  border: none; cursor: pointer; transition: .15s;
  text-decoration: none;
}
.btn-apply:hover { background: var(--amber-dark); text-decoration: none; color: var(--navy); }

.hamburger {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 4px;
}
.hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--navy); border-radius: 2px;
  transition: .2s;
}

/* ---- Hero ---- */
.hero {
  background:
    linear-gradient(135deg,
      rgba(13,31,60,.82) 0%,
      rgba(27,58,107,.72) 55%,
      rgba(13,31,60,.60) 100%),
    url('/assets/images/quickenherobg.webp') center center / cover no-repeat;
  color: var(--white); padding: 72px 24px 80px;
  position: relative; overflow: hidden;
}
.hero::before { display: none; }
.hero-inner {
  max-width: 1200px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 380px; gap: 60px; align-items: center;
  position: relative;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(13,31,60,.55); border: 1px solid rgba(212,168,67,.5);
  color: var(--amber); padding: 6px 14px; border-radius: 20px;
  font-size: .82rem; font-weight: 600; margin-bottom: 20px;
  letter-spacing: .04em; text-transform: uppercase;
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
}
.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(1.9rem, 4vw, 2.9rem);
  font-weight: 900; line-height: 1.25;
  margin-bottom: 20px;
  text-shadow: 0 2px 16px rgba(0,0,0,.5);
}
.hero h1 .highlight { color: var(--amber); }
.hero-brand {
  display: inline-block;
  font-size: clamp(2.4rem, 5.5vw, 3.8rem);
  font-weight: 900;
  color: var(--amber);
  letter-spacing: -0.02em;
  line-height: 1.05;
  text-shadow: 0 2px 20px rgba(0,0,0,.6), 0 0 40px rgba(212,168,67,.2);
  border-bottom: 4px solid rgba(212,168,67,.6);
  padding-bottom: 2px;
  margin-bottom: 6px;
}
.hero-desc {
  font-size: 1.1rem; color: rgba(255,255,255,.92);
  margin-bottom: 32px; max-width: 520px;
  text-shadow: 0 1px 8px rgba(0,0,0,.5);
}
.hero-stats {
  display: flex; gap: 32px; margin-bottom: 36px;
}
.hero-stat { text-align: center; }
.hero-stat .num {
  font-family: var(--font-display);
  font-size: 1.8rem; font-weight: 900;
  color: var(--amber); display: block;
  text-shadow: 0 2px 12px rgba(0,0,0,.5);
}
.hero-stat .lbl {
  font-size: .78rem; color: rgba(255,255,255,.85);
  text-transform: uppercase; letter-spacing: .06em;
  text-shadow: 0 1px 6px rgba(0,0,0,.5);
}
.hero-ctas { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-primary {
  background: var(--amber); color: var(--navy);
  font-weight: 700; font-size: 1rem;
  padding: 14px 28px; border-radius: var(--radius);
  border: none; cursor: pointer; transition: .15s;
  display: inline-flex; align-items: center; gap: 8px;
  text-decoration: none;
}
.btn-primary:hover { background: var(--amber-dark); text-decoration: none; color: var(--navy); }
.btn-outline {
  background: transparent;
  border: 2px solid rgba(255,255,255,.4);
  color: var(--white); font-weight: 600; font-size: 1rem;
  padding: 12px 28px; border-radius: var(--radius);
  cursor: pointer; transition: .15s;
  display: inline-flex; align-items: center; gap: 8px;
  text-decoration: none;
}
.btn-outline:hover { border-color: white; background: rgba(255,255,255,.1); text-decoration: none; color: white; }

/* ---- Hero Form Card (APIdiamond) ---- */
.hero-form-card {
  background: var(--white); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); overflow: hidden;
  color: var(--text);
  display: flex; flex-direction: column;
}
.apid-card-head {
  background: var(--navy-dark);
  padding: 20px 24px 18px;
  border-bottom: 3px solid var(--amber);
}
.apid-badge {
  display: inline-block; font-size: .72rem; font-weight: 700;
  color: var(--amber); letter-spacing: .05em;
  text-transform: uppercase; margin-bottom: 8px;
}
.apid-card-head h3 {
  font-family: var(--font-display); font-size: 1.15rem;
  color: var(--white); margin-bottom: 5px;
}
.apid-card-head p {
  font-size: .82rem; color: rgba(255,255,255,.65); margin: 0;
}
.apid-form-wrap {
  padding: 16px 20px 8px;
  min-height: 320px;
  flex: 1;
}
.apid-form-wrap #_lg_form_ {
  width: 100% !important;
}
.hero-form-card .form-disclaimer {
  padding: 0 20px 16px;
  font-size: .74rem; color: var(--text-muted);
  text-align: center; line-height: 1.5;
}
.form-field { margin-bottom: 16px; }
.form-field label { display: block; font-size: .85rem; font-weight: 600; margin-bottom: 6px; color: var(--navy); }
.form-field select, .form-field input {
  width: 100%; padding: 11px 14px;
  border: 1.5px solid var(--border); border-radius: 8px;
  font-family: var(--font-body); font-size: .92rem;
  background: var(--bg); color: var(--text);
  transition: .15s;
}
.form-field select:focus, .form-field input:focus {
  outline: none; border-color: var(--blue);
  background: var(--white); box-shadow: 0 0 0 3px rgba(38,115,200,.12);
}
.form-submit {
  width: 100%; padding: 14px;
  background: var(--amber); color: var(--navy);
  font-weight: 700; font-size: 1rem;
  border: none; border-radius: 8px; cursor: pointer;
  transition: .15s; margin-top: 4px;
}
.form-submit:hover { background: var(--amber-dark); }
.form-disclaimer { font-size: .75rem; color: var(--text-muted); margin-top: 12px; text-align: center; }

/* ---- Trust Bar ---- */
.trust-bar {
  background: var(--navy);
  padding: 20px 24px;
}
.trust-bar-inner {
  max-width: 1200px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-around;
  flex-wrap: wrap; gap: 16px;
}
.trust-item {
  display: flex; align-items: center; gap: 10px;
  color: rgba(255,255,255,.85); font-size: .88rem;
}
.trust-item .icon {
  width: 36px; height: 36px; border-radius: 50%;
  background: rgba(232,160,32,.15); border: 1px solid rgba(232,160,32,.3);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
}
.trust-item strong { display: block; color: var(--white); font-size: .95rem; }

/* ---- Section Wrapper ---- */
.section { padding: 72px 24px; }
.section-alt { background: var(--bg); }
.section-navy { background: var(--navy); color: var(--white); }
.container { max-width: 1200px; margin: 0 auto; }

.section-label {
  font-size: .78rem; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; color: var(--amber);
  margin-bottom: 10px; display: block;
}
.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 3vw, 2.1rem);
  font-weight: 900; line-height: 1.25;
  color: var(--navy); margin-bottom: 16px;
}
.section-navy .section-title { color: var(--white); }
.section-subtitle {
  font-size: 1.05rem; color: var(--text-muted);
  max-width: 640px; margin-bottom: 48px;
}
.section-navy .section-subtitle { color: rgba(255,255,255,.72); }
.text-center { text-align: center; }
.text-center .section-subtitle { margin-left: auto; margin-right: auto; }

/* ---- Cards ---- */
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); padding: 28px;
  transition: .2s; box-shadow: var(--shadow-sm);
}
.card:hover { box-shadow: var(--shadow-md); border-color: var(--blue); transform: translateY(-2px); }
.card-icon {
  width: 52px; height: 52px; border-radius: 12px;
  background: var(--amber-light); border: 1px solid rgba(232,160,32,.2);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 18px;
}
.card h3 { font-family: var(--font-display); font-size: 1.05rem; color: var(--navy); margin-bottom: 10px; }
.card p { font-size: .92rem; color: var(--text-muted); line-height: 1.6; }
.card-link { margin-top: 14px; display: inline-block; font-weight: 600; font-size: .88rem; color: var(--blue); }

/* ---- Review Score Block ---- */
.score-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 2px solid var(--border); overflow: hidden;
  box-shadow: var(--shadow-md);
}
.score-header {
  background: var(--navy); padding: 24px 28px;
  display: flex; align-items: center; justify-content: space-between;
}
.score-header h2 { color: var(--white); font-family: var(--font-display); font-size: 1.3rem; }
.score-badge {
  display: flex; flex-direction: column; align-items: center;
  background: var(--amber); border-radius: 10px;
  padding: 10px 18px; min-width: 80px;
}
.score-badge .score-num {
  font-family: var(--font-display); font-size: 2rem;
  font-weight: 900; color: var(--navy); line-height: 1;
}
.score-badge .score-lbl { font-size: .7rem; font-weight: 700; color: var(--navy); }
.score-body { padding: 28px; }
.score-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 12px 0; border-bottom: 1px solid var(--border);
}
.score-row:last-child { border-bottom: none; }
.score-row-label { font-size: .92rem; font-weight: 500; }
.score-bar-wrap { flex: 1; margin: 0 16px; }
.score-bar {
  height: 8px; background: var(--border); border-radius: 4px;
  overflow: hidden;
}
.score-bar-fill {
  height: 100%; background: var(--amber);
  border-radius: 4px; transition: width .5s ease;
}
.score-val { font-family: var(--font-mono); font-size: .88rem; font-weight: 500; min-width: 28px; text-align: right; }

/* ---- Comparison Table ---- */
.comp-table-wrap { overflow-x: auto; }
.comp-table {
  width: 100%; border-collapse: separate; border-spacing: 0;
  border: 1.5px solid var(--border); border-radius: var(--radius-lg);
  overflow: hidden;
}
.comp-table th {
  background: var(--navy); color: var(--white);
  font-family: var(--font-display); font-size: .92rem;
  padding: 16px 20px; text-align: left;
}
.comp-table th:first-child { background: var(--navy-dark); }
.comp-table td {
  padding: 14px 20px; font-size: .92rem;
  border-bottom: 1px solid var(--border);
  vertical-align: middle;
}
.comp-table tr:last-child td { border-bottom: none; }
.comp-table tr:nth-child(even) td { background: var(--bg); }
.comp-table td:first-child { font-weight: 600; color: var(--navy); }
.check { color: var(--green); font-size: 1.1rem; }
.cross { color: var(--red); font-size: 1.1rem; }
.tag {
  display: inline-block; padding: 3px 10px;
  border-radius: 20px; font-size: .78rem; font-weight: 600;
}
.tag-green { background: #E8F7EE; color: var(--green); }
.tag-amber { background: var(--amber-light); color: #8A5A00; }
.tag-blue  { background: #E0EEF9; color: var(--navy-mid); }

/* ---- FAQ ---- */
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item {
  border: 1.5px solid var(--border); border-radius: var(--radius);
  margin-bottom: 12px; overflow: hidden;
  transition: box-shadow .2s;
}
.faq-item.open { box-shadow: var(--shadow-md); border-color: var(--blue); }
.faq-question {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 22px; cursor: pointer;
  font-weight: 600; font-size: .98rem; color: var(--navy);
  background: var(--white); user-select: none;
}
.faq-question:hover { background: var(--bg); }
.faq-icon {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--bg2); display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; color: var(--navy); transition: transform .25s; flex-shrink: 0;
}
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--amber-light); }
.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height .35s ease, padding .2s;
  padding: 0 22px; color: var(--text-muted);
  font-size: .93rem; line-height: 1.7;
}
.faq-item.open .faq-answer { max-height: 400px; padding: 0 22px 20px; }

/* ---- Pro/Con Lists ---- */
.pro-con-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.pro-con-box {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); padding: 28px;
}
.pro-con-box h3 {
  font-family: var(--font-display); font-size: 1.05rem;
  margin-bottom: 18px; display: flex; align-items: center; gap: 8px;
}
.pro-con-box.pros h3 { color: var(--green); }
.pro-con-box.cons h3 { color: var(--red); }
.pro-con-list li {
  display: flex; gap: 10px; padding: 9px 0;
  border-bottom: 1px solid var(--border); font-size: .92rem;
}
.pro-con-list li:last-child { border-bottom: none; }
.pro-con-list .ico { font-size: 1rem; flex-shrink: 0; margin-top: 2px; }

/* ---- CTA Banner ---- */
.cta-banner {
  background:
    linear-gradient(135deg,
      rgba(13,31,60,.88) 0%,
      rgba(13,31,60,.78) 50%,
      rgba(13,31,60,.70) 100%),
    url('/assets/images/quickenctabannerbg.webp') center center / cover no-repeat;
  border-radius: var(--radius-lg); padding: 52px 48px;
  display: flex; align-items: center; justify-content: space-between; gap: 32px;
  flex-wrap: wrap;
  position: relative; overflow: hidden;
}
.cta-banner::after {
  content: '';
  position: absolute; inset: 0;
  border-radius: var(--radius-lg);
  border: 1.5px solid rgba(212,168,67,.25);
  pointer-events: none;
}
.cta-banner h2 {
  font-family: var(--font-display); font-size: 1.6rem;
  color: var(--white); margin-bottom: 10px;
  text-shadow: 0 2px 12px rgba(0,0,0,.4);
}
.cta-banner p {
  color: rgba(255,255,255,.88); font-size: .98rem; max-width: 500px;
  text-shadow: 0 1px 6px rgba(0,0,0,.35);
}

/* ---- Steps ---- */
.steps-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; position: relative; }
.steps-grid::before {
  content: '';
  position: absolute; top: 28px; left: 40px; right: 40px; height: 2px;
  background: var(--border); z-index: 0;
}
.step { text-align: center; position: relative; z-index: 1; }
.step-num {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--navy); color: var(--amber);
  font-family: var(--font-display); font-size: 1.2rem; font-weight: 900;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px; border: 3px solid var(--white);
  box-shadow: 0 0 0 3px var(--navy);
}
.step h3 { font-size: .95rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.step p { font-size: .86rem; color: var(--text-muted); }

/* ---- Stats Row ---- */
.stats-row { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.stat-box {
  text-align: center; padding: 28px 20px;
  background: var(--white); border-radius: var(--radius-lg);
  border: 1.5px solid var(--border);
}
.stat-box .big {
  font-family: var(--font-display); font-size: 2rem; font-weight: 900;
  color: var(--navy); display: block; margin-bottom: 6px;
}
.stat-box .lbl { font-size: .82rem; color: var(--text-muted); }

/* ---- Article / Content Pages ---- */
.page-header {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy-mid));
  padding: 56px 24px;
  color: white;
}
.page-header .breadcrumb {
  font-size: .82rem; color: rgba(255,255,255,.6);
  margin-bottom: 16px;
}
.page-header .breadcrumb a { color: var(--amber); }
.page-header h1 {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3.5vw, 2.5rem);
  font-weight: 900; max-width: 780px; margin-bottom: 16px;
}
.page-header .meta {
  font-size: .85rem; color: rgba(255,255,255,.65);
  display: flex; gap: 20px; flex-wrap: wrap;
}

.content-wrap {
  max-width: 1280px; margin: 0 auto;
  display: grid; grid-template-columns: 220px 1fr 300px; gap: 32px;
  padding: 40px 24px;
}
/* When only article + sidebar (no TOC) */
.content-wrap:not(:has(.article-toc)) {
  grid-template-columns: 1fr 340px;
  gap: 48px;
  padding: 56px 24px;
}
@media (max-width: 1200px) {
  .content-wrap { grid-template-columns: 1fr 300px; gap: 32px; }
  .article-toc { display: none; }
}
.content-main h2 {
  font-family: var(--font-display); font-size: 1.4rem;
  color: var(--navy); margin: 36px 0 14px; line-height: 1.3;
}
.content-main h3 { font-size: 1.1rem; color: var(--navy); margin: 24px 0 10px; }
.content-main p { margin-bottom: 16px; font-size: .98rem; color: var(--text); }
.content-main ul, .content-main ol {
  padding-left: 20px; margin-bottom: 16px;
  list-style: disc;
}
.content-main li { margin-bottom: 8px; font-size: .95rem; }
.content-main .callout {
  background: var(--amber-light); border-left: 4px solid var(--amber);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 16px 20px; margin: 24px 0; font-size: .93rem;
}
.content-main .callout strong { color: #6A4000; }
.content-main table { width: 100%; border-collapse: collapse; margin: 20px 0; }
.content-main table th {
  background: var(--navy); color: white;
  padding: 11px 14px; font-size: .88rem; text-align: left;
}
.content-main table td {
  padding: 10px 14px; font-size: .88rem;
  border-bottom: 1px solid var(--border);
}
.content-main table tr:nth-child(even) td { background: var(--bg); }

.sidebar-sticky { position: sticky; top: 24px; }
.sidebar-widget {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); overflow: hidden;
  margin-bottom: 24px;
}
.sidebar-widget-head {
  background: var(--navy); padding: 16px 20px;
  font-family: var(--font-display); font-size: .98rem; color: white;
}
.sidebar-widget-body { padding: 20px; }
.sidebar-widget-body p { font-size: .88rem; color: var(--text-muted); margin-bottom: 14px; }
.sidebar-rating {
  display: flex; align-items: center; gap: 10px;
  margin-bottom: 14px;
}
.stars { color: var(--amber); font-size: 1.1rem; letter-spacing: 2px; }
.rating-num { font-family: var(--font-display); font-size: 1.4rem; font-weight: 900; color: var(--navy); }
.rating-lbl { font-size: .78rem; color: var(--text-muted); }
.sidebar-list li {
  display: flex; justify-content: space-between;
  padding: 8px 0; border-bottom: 1px solid var(--border);
  font-size: .88rem;
}
.sidebar-list li:last-child { border-bottom: none; }
.sidebar-list .val { font-weight: 700; color: var(--navy); }

/* ---- Calculator ---- */
.calc-wrap {
  max-width: 860px; margin: 0 auto;
  background: var(--white); border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.calc-header {
  background: var(--navy); padding: 28px 36px;
}
.calc-header h2 { font-family: var(--font-display); color: white; margin-bottom: 4px; }
.calc-header p { color: rgba(255,255,255,.7); font-size: .88rem; }
.calc-body {
  padding: 36px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 24px;
}
.calc-field label {
  display: block; font-size: .85rem; font-weight: 600;
  color: var(--navy); margin-bottom: 8px;
}
.calc-field input, .calc-field select {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--border); border-radius: 8px;
  font-size: 1rem; font-family: var(--font-mono);
  background: var(--bg); color: var(--text);
  transition: .15s;
}
.calc-field input:focus, .calc-field select:focus {
  outline: none; border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(38,115,200,.12);
  background: white;
}
.calc-field .range-val {
  font-family: var(--font-mono); font-size: .82rem;
  color: var(--blue); margin-top: 4px; text-align: right;
}
.calc-actions {
  grid-column: 1 / -1; padding-top: 8px;
  display: flex; gap: 12px;
}
.btn-calc {
  flex: 1; padding: 14px;
  background: var(--navy); color: white;
  font-weight: 700; font-size: 1rem; font-family: var(--font-body);
  border: none; border-radius: var(--radius); cursor: pointer; transition: .15s;
}
.btn-calc:hover { background: var(--navy-mid); }
.btn-reset {
  padding: 14px 24px;
  background: var(--bg2); color: var(--text-muted);
  font-weight: 600; font-size: 1rem; font-family: var(--font-body);
  border: 1.5px solid var(--border); border-radius: var(--radius); cursor: pointer;
}
.calc-results {
  grid-column: 1 / -1;
  background: var(--navy); border-radius: var(--radius-lg);
  padding: 28px 32px;
  display: none;
  grid-template-columns: repeat(3,1fr); gap: 20px;
  text-align: center;
}
.calc-results.show { display: grid; }
.result-item .val {
  font-family: var(--font-display); font-size: 1.9rem; font-weight: 900;
  color: var(--amber); display: block; margin-bottom: 4px;
}
.result-item .lbl { font-size: .82rem; color: rgba(255,255,255,.65); }
.calc-breakdown {
  grid-column: 1 / -1;
  background: var(--bg); border-radius: var(--radius);
  padding: 24px; display: none;
}
.calc-breakdown.show { display: block; }
.breakdown-row {
  display: flex; justify-content: space-between;
  padding: 8px 0; border-bottom: 1px solid var(--border);
  font-size: .9rem;
}
.breakdown-row:last-child { border-bottom: none; font-weight: 700; color: var(--navy); }

/* ---- Reviews ---- */
.reviews-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.review-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); padding: 24px;
  box-shadow: var(--shadow-sm);
}
.review-card .stars { font-size: 1rem; margin-bottom: 10px; }
.review-card blockquote {
  font-size: .9rem; color: var(--text); line-height: 1.6;
  margin-bottom: 16px; font-style: italic;
}
.reviewer { display: flex; align-items: center; gap: 10px; }
.reviewer-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--navy); color: var(--amber);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: .92rem;
}
.reviewer-name { font-weight: 600; font-size: .88rem; }
.reviewer-date { font-size: .78rem; color: var(--text-muted); }

/* ---- Footer ---- */
.site-footer {
  background: var(--navy-dark); color: rgba(255,255,255,.75);
  padding: 56px 24px 32px;
}
.footer-grid {
  max-width: 1200px; margin: 0 auto;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px;
  padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-brand p { font-size: .88rem; margin-top: 14px; line-height: 1.6; max-width: 280px; }
.footer-col h4 {
  color: white; font-family: var(--font-display); font-size: .9rem;
  margin-bottom: 16px; padding-bottom: 8px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a { color: rgba(255,255,255,.65); font-size: .87rem; transition: .15s; }
.footer-col ul li a:hover { color: var(--amber); text-decoration: none; }
.footer-bottom {
  max-width: 1200px; margin: 28px auto 0;
  display: flex; align-items: flex-start; justify-content: space-between;
  flex-wrap: wrap; gap: 16px;
  font-size: .78rem; color: rgba(255,255,255,.45);
}
.footer-bottom a { color: rgba(255,255,255,.55); }
.footer-disclaimer {
  max-width: 1200px; margin: 0 auto;
  font-size: .76rem; color: rgba(255,255,255,.4);
  line-height: 1.6; padding-top: 16px;
  border-top: 1px solid rgba(255,255,255,.07); margin-top: 16px;
}

/* ---- APIdiamond Standalone (how-to-apply page) ---- */
.apid-standalone-wrap {
  border: 2px solid var(--amber);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin: 20px 0 32px;
  box-shadow: var(--shadow-md);
}
.apid-standalone-head {
  background: var(--navy-dark);
  padding: 22px 28px 18px;
  border-bottom: 3px solid var(--amber);
}
.apid-standalone-head h3 {
  font-family: var(--font-display); font-size: 1.2rem;
  color: var(--white); margin-bottom: 6px;
}
.apid-standalone-head p {
  font-size: .88rem; color: rgba(255,255,255,.7); margin: 0;
}
.apid-standalone-body {
  background: var(--white);
  padding: 24px 28px 16px;
  min-height: 380px;
}
.apid-standalone-body #_lg_form_apply { width: 100% !important; }

/* ============================================================
   NEW SEO SECTIONS
   ============================================================ */

/* ---- Jump Nav / Table of Contents ---- */
.jump-nav {
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 18px 24px;
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.jump-nav-label {
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--navy);
  font-size: .95rem;
  display: flex; align-items: center; gap: 8px;
  white-space: nowrap;
}
.jump-nav-links {
  display: flex;
  gap: 4px;
  flex-wrap: wrap;
  flex: 1;
}
.jump-nav-links a {
  font-size: .82rem;
  color: var(--text);
  padding: 6px 12px;
  border-radius: 6px;
  text-decoration: none;
  border: 1px solid var(--border);
  background: var(--white);
  transition: .15s;
  white-space: nowrap;
}
.jump-nav-links a:hover {
  background: var(--navy-dark);
  color: var(--amber);
  border-color: var(--navy-dark);
  text-decoration: none;
}

/* ---- Eligibility Section ---- */
.eligibility-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 32px;
}
.elig-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-top: 3px solid var(--amber);
  border-radius: var(--radius-lg);
  padding: 24px 26px;
}
.elig-icon { font-size: 1.8rem; margin-bottom: 8px; }
.elig-card h3 {
  font-family: var(--font-display);
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 14px;
}
.elig-list {
  list-style: none;
  padding: 0;
  margin: 0 0 14px;
}
.elig-list li {
  padding: 7px 0;
  border-bottom: 1px solid var(--border);
  font-size: .9rem;
  color: var(--text);
}
.elig-list li:last-child { border-bottom: none; }
.elig-list strong { color: var(--navy); }
.elig-note {
  font-size: .82rem;
  color: var(--text-muted);
  background: var(--bg);
  border-radius: 8px;
  padding: 10px 14px;
  margin: 0;
  line-height: 1.6;
}
.elig-cta-box {
  margin-top: 32px;
  background: var(--navy-dark);
  border-radius: var(--radius-lg);
  padding: 24px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  color: white;
}
.elig-cta-box strong {
  font-family: var(--font-display);
  color: var(--amber);
  font-size: 1.1rem;
  display: block;
  margin-bottom: 4px;
}
.elig-cta-box p { color: rgba(255,255,255,.7); font-size: .9rem; margin: 0; }

/* ---- Rate Snapshot Table ---- */
.rate-table-wrap {
  overflow-x: auto;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--border);
  margin-top: 24px;
}
.rate-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .92rem;
}
.rate-table thead th {
  background: var(--navy-dark);
  color: white;
  text-align: left;
  padding: 14px 20px;
  font-family: var(--font-display);
  font-size: .88rem;
}
.rate-table tbody td {
  padding: 12px 20px;
  border-bottom: 1px solid var(--border);
}
.rate-table tbody tr:nth-child(even) td { background: var(--bg); }
.rate-table tbody tr:last-child td { border-bottom: none; }
.rate-cell {
  font-family: var(--font-mono);
  color: var(--navy);
  font-weight: 700;
}
.rate-disclaimer {
  margin-top: 20px;
  background: var(--amber-light);
  border-left: 4px solid var(--amber);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 14px 18px;
  font-size: .85rem;
  color: var(--text);
  line-height: 1.65;
}
.rate-disclaimer strong { color: #6A4000; }

/* ---- Loan Types Grid ---- */
.loan-types-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 32px;
}
.loan-type-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-top: 3px solid var(--navy-mid);
  border-radius: var(--radius-lg);
  padding: 22px 24px;
  position: relative;
  transition: .18s;
}
.loan-type-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-top-color: var(--amber);
}
.lt-badge {
  position: absolute;
  top: -10px;
  right: 20px;
  background: var(--amber);
  color: var(--navy-dark);
  font-size: .7rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: .04em;
}
.lt-badge-alt { background: var(--navy-dark); color: var(--amber); }
.lt-icon { font-size: 2rem; margin-bottom: 8px; }
.loan-type-card h3 {
  font-family: var(--font-display);
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.lt-stats {
  font-size: .82rem;
  color: var(--text-muted);
  margin-bottom: 12px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border);
}
.lt-stats strong { color: var(--navy); }
.lt-desc {
  font-size: .88rem;
  color: var(--text);
  line-height: 1.65;
  margin-bottom: 14px;
}
.lt-link {
  color: var(--navy-mid);
  font-weight: 600;
  font-size: .85rem;
  text-decoration: none;
}
.lt-link:hover { color: var(--amber-dark); text-decoration: underline; }
.loan-types-cta {
  margin-top: 32px;
  background: var(--amber-light);
  border-radius: var(--radius-lg);
  padding: 22px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.loan-types-cta p { margin: 0; font-size: .95rem; color: var(--text); }

/* ---- User Personas ---- */
.persona-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 32px;
}
.persona-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--border);
  padding: 22px 24px;
}
.persona-good  { border-left: 4px solid #1A8A4A; }
.persona-mixed { border-left: 4px solid var(--amber); }
.persona-poor  { border-left: 4px solid #C23030; }
.persona-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 14px;
}
.persona-avatar {
  font-size: 2rem;
  width: 52px; height: 52px;
  background: var(--bg);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.persona-card h3 {
  font-family: var(--font-display);
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 3px;
}
.persona-fit {
  font-size: .75rem;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: .04em;
}
.persona-good .persona-fit  { background: #E8F7EE; color: #1A6A40; }
.persona-mixed .persona-fit { background: var(--amber-light); color: #6A4000; }
.persona-poor .persona-fit  { background: #FEE8E6; color: #8A1A10; }
.persona-card p {
  font-size: .88rem;
  color: var(--text);
  line-height: 1.7;
  margin-bottom: 12px;
}
.persona-list {
  list-style: none;
  padding: 0;
  margin: 0;
  background: var(--bg);
  border-radius: 8px;
  padding: 10px 14px;
}
.persona-list li {
  font-size: .82rem;
  padding: 4px 0;
  color: var(--text);
}
.persona-list strong { color: var(--navy); }

/* ---- Alternatives ---- */
.alt-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 32px;
}
.alt-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px 26px;
}
.alt-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 12px;
}
.alt-card h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--navy);
}
.alt-tag {
  font-size: .7rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 20px;
  background: var(--bg);
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: .04em;
}
.alt-desc {
  font-size: .9rem;
  color: var(--text);
  line-height: 1.7;
  margin-bottom: 14px;
}
.alt-meta {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  padding: 12px 14px;
  background: var(--bg);
  border-radius: 8px;
  margin-bottom: 14px;
  font-size: .82rem;
  color: var(--text-muted);
}
.alt-meta strong { color: var(--navy); }
.alt-link {
  color: var(--navy-mid);
  font-weight: 600;
  font-size: .88rem;
  text-decoration: none;
}
.alt-link:hover { color: var(--amber-dark); text-decoration: underline; }
.alt-footnote {
  margin-top: 24px;
  background: #E0EEF9;
  border-left: 4px solid #2068B8;
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 14px 20px;
  font-size: .85rem;
  color: var(--text);
  line-height: 1.65;
}
.alt-footnote strong { color: #0A2D5C; }

/* ---- Related Guides ---- */
.related-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 32px;
}
.related-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 18px 20px;
  text-decoration: none;
  color: var(--text);
  transition: .18s;
  display: block;
}
.related-card:hover {
  border-color: var(--amber);
  background: var(--amber-light);
  text-decoration: none;
  transform: translateY(-2px);
}
.related-icon { font-size: 1.5rem; margin-bottom: 8px; }
.related-card h3 {
  font-family: var(--font-display);
  font-size: .95rem;
  color: var(--navy);
  margin-bottom: 6px;
  line-height: 1.3;
}
.related-card p {
  font-size: .8rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 10px;
}
.related-arrow {
  color: var(--navy-mid);
  font-size: .78rem;
  font-weight: 600;
}

/* ---- Responsive for new sections ---- */
@media (max-width: 900px) {
  .eligibility-grid, .persona-grid, .alt-grid { grid-template-columns: 1fr; }
  .loan-types-grid, .related-grid { grid-template-columns: repeat(2, 1fr); }
  .elig-cta-box { flex-direction: column; text-align: center; }
  .jump-nav { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 600px) {
  .loan-types-grid, .related-grid { grid-template-columns: 1fr; }
  .rate-table { font-size: .82rem; }
  .rate-table thead th, .rate-table tbody td { padding: 10px 12px; }
}

/* ---- Breadcrumb Navigation ---- */
.breadcrumb-nav {
  background: var(--bg);
  border-bottom: 1px solid var(--border);
  padding: 12px 0;
  font-size: .82rem;
}
.breadcrumb-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 4px;
}
.breadcrumb-list li {
  display: flex;
  align-items: center;
}
.breadcrumb-list li:not(:last-child)::after {
  content: "›";
  margin: 0 8px;
  color: var(--text-muted);
  font-weight: 700;
}
.breadcrumb-list a {
  color: var(--navy-mid);
  text-decoration: none;
  font-weight: 500;
}
.breadcrumb-list a:hover { color: var(--amber-dark); text-decoration: underline; }
.breadcrumb-list span[aria-current] {
  color: var(--text-muted);
  font-weight: 500;
}
@media (max-width: 600px) {
  .breadcrumb-nav { padding: 10px 0; font-size: .76rem; }
  .breadcrumb-list li:not(:last-child)::after { margin: 0 5px; }
}

/* ---- FAQ Inline (within content articles) ---- */
.faq-list-inline {
  display: grid;
  gap: 16px;
  margin: 24px 0;
}
.faq-item-inline {
  background: var(--bg);
  border-left: 3px solid var(--amber);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 16px 20px;
}
.faq-item-inline h3 {
  font-family: var(--font-display);
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.faq-item-inline p {
  font-size: .92rem;
  color: var(--text);
  line-height: 1.7;
  margin: 0;
}

/* ---- Score Stats Grid (index) ---- */
.score-stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
@media (max-width: 899px) {
  .score-stats-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
}

/* ============================================================
   NEW UX/UI ENHANCEMENTS (v3.2)
   ============================================================ */

/* ---- FTC 16 CFR Part 255 Disclosure Banner ---- */
.ftc-disclosure-banner {
  background: #FFF9E6;
  border-top: 1px solid #E8D89A;
  border-bottom: 1px solid #E8D89A;
  padding: 12px 0;
  font-size: .78rem;
  line-height: 1.6;
  color: #5A4A00;
}
.ftc-disclosure-content {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
.ftc-disclosure-icon {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #B8902E;
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: .85rem;
  margin-top: 1px;
}
.ftc-disclosure-text {
  flex: 1;
  color: #5A4A00;
}
.ftc-disclosure-text strong { color: #3D2E00; font-weight: 700; }
.ftc-disclosure-link {
  color: var(--navy);
  font-weight: 600;
  margin-left: 4px;
  text-decoration: underline;
}
.ftc-disclosure-link:hover { color: var(--navy-dark); }
@media (max-width: 600px) {
  .ftc-disclosure-banner { padding: 10px 0; font-size: .72rem; }
  .ftc-disclosure-icon { width: 18px; height: 18px; font-size: .72rem; }
  .ftc-disclosure-content { gap: 8px; padding: 0 16px; }
}

/* ---- Reading Progress Bar (top of page) ---- */
.reading-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--amber) 0%, var(--amber-dark) 100%);
  z-index: 999;
  width: 0%;
  transition: width .1s ease-out;
  box-shadow: 0 1px 4px rgba(212,168,67,.4);
}

/* ---- Real-time Rate Ticker ---- */
.rate-ticker {
  background: var(--navy-dark);
  border-bottom: 2px solid var(--amber);
  overflow: hidden;
  position: relative;
  padding: 8px 0;
}
.rate-ticker-inner {
  display: flex;
  gap: 40px;
  white-space: nowrap;
  animation: ticker-scroll 40s linear infinite;
}
.rate-ticker-inner:hover { animation-play-state: paused; }
.ticker-item {
  color: rgba(255,255,255,.85);
  font-size: .82rem;
  font-weight: 500;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.ticker-item strong { color: var(--amber); font-weight: 700; }
.ticker-item .ticker-arrow-up { color: #4CAF50; font-size: .75rem; }
.ticker-item .ticker-arrow-down { color: #F44336; font-size: .75rem; }
.ticker-item .ticker-dot {
  width: 4px; height: 4px; border-radius: 50%;
  background: var(--amber);
  display: inline-block;
  margin: 0 4px;
}
@keyframes ticker-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .rate-ticker-inner { animation: none; }
}

/* ---- Sticky Table of Contents (article pages) ---- */
.article-toc {
  position: sticky;
  top: 20px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px 22px;
  max-height: calc(100vh - 40px);
  overflow-y: auto;
  scrollbar-width: thin;
}
.article-toc h4 {
  font-family: var(--font-display);
  font-size: .82rem;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 12px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--amber);
}
.article-toc ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.article-toc li a {
  display: block;
  padding: 6px 10px;
  font-size: .82rem;
  color: var(--text-muted);
  text-decoration: none;
  border-left: 2px solid transparent;
  border-radius: 0 4px 4px 0;
  transition: all .15s;
  line-height: 1.4;
}
.article-toc li a:hover {
  color: var(--navy);
  background: var(--bg);
  border-left-color: var(--amber);
  text-decoration: none;
}
.article-toc li a.active {
  color: var(--navy);
  font-weight: 600;
  background: var(--amber-light);
  border-left-color: var(--amber);
}
.reading-time-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--amber-light);
  color: #6A4000;
  font-size: .75rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 20px;
  margin-bottom: 12px;
}

/* ---- Sticky Mobile CTA ---- */
.sticky-mobile-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: linear-gradient(0deg, var(--white) 90%, transparent 100%);
  padding: 12px 16px 16px;
  z-index: 400;
  box-shadow: 0 -4px 20px rgba(13,31,60,.15);
  transform: translateY(100%);
  transition: transform .3s ease;
}
.sticky-mobile-cta.show { transform: translateY(0); }
.sticky-mobile-cta a {
  display: block;
  width: 100%;
  background: var(--amber);
  color: var(--navy-dark);
  font-weight: 700;
  font-size: .95rem;
  padding: 14px 20px;
  border-radius: 10px;
  text-align: center;
  text-decoration: none;
  box-shadow: 0 2px 12px rgba(212,168,67,.4);
}
.sticky-mobile-cta a:hover {
  background: var(--amber-dark);
  text-decoration: none;
}
@media (max-width: 767px) {
  .sticky-mobile-cta { display: block; }
  body.has-sticky-cta { padding-bottom: 80px; }
  .back-to-top { bottom: 80px !important; }
}

/* ---- FAQ Smart Search ---- */
.faq-search-wrap {
  margin-bottom: 24px;
  position: relative;
}
.faq-search {
  width: 100%;
  padding: 14px 20px 14px 44px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  background: var(--white);
  font-size: .95rem;
  font-family: var(--font-body);
  transition: border-color .2s;
}
.faq-search:focus {
  outline: none;
  border-color: var(--amber);
  box-shadow: 0 0 0 3px rgba(212,168,67,.15);
}
.faq-search-wrap::before {
  content: "🔍";
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1rem;
  pointer-events: none;
  opacity: .5;
}
.faq-item.hidden { display: none; }
.faq-search-count {
  font-size: .78rem;
  color: var(--text-muted);
  margin-top: 8px;
  padding: 0 4px;
}
.faq-highlight {
  background: var(--amber-light);
  color: #6A4000;
  padding: 1px 3px;
  border-radius: 3px;
  font-weight: 700;
}

/* ---- Trust Badges Bar ---- */
.trust-badges-bar {
  background: var(--white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
}
.trust-badges-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
  max-width: 1000px;
  margin: 0 auto;
  padding: 0 24px;
}
.trust-badge {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 12px;
  border-radius: 10px;
  transition: transform .2s, background .2s;
  text-decoration: none;
}
.trust-badge:hover {
  transform: translateY(-2px);
  background: var(--bg);
  text-decoration: none;
}
.trust-badge-icon {
  width: 44px;
  height: 44px;
  background: var(--navy-dark);
  border: 2px solid var(--amber);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--amber);
  font-size: 1.1rem;
  font-weight: 700;
}
.trust-badge-label {
  font-size: .72rem;
  font-weight: 600;
  color: var(--text);
  text-align: center;
  line-height: 1.3;
}
.trust-badge-label small {
  display: block;
  color: var(--text-muted);
  font-size: .68rem;
  font-weight: 400;
  margin-top: 2px;
}
@media (max-width: 767px) {
  .trust-badges-grid { grid-template-columns: repeat(3, 1fr); gap: 12px; }
}
@media (max-width: 480px) {
  .trust-badges-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ---- Loan Type Wizard ---- */
.wizard-container {
  background: var(--white);
  border: 2px solid var(--amber);
  border-radius: 16px;
  padding: 32px 36px;
  max-width: 720px;
  margin: 32px auto;
  box-shadow: var(--shadow-md);
}
.wizard-header {
  text-align: center;
  margin-bottom: 24px;
}
.wizard-title {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.wizard-subtitle {
  color: var(--text-muted);
  font-size: .95rem;
}
.wizard-progress {
  display: flex;
  gap: 6px;
  margin-bottom: 24px;
}
.wizard-progress-step {
  flex: 1;
  height: 6px;
  border-radius: 3px;
  background: var(--border);
  transition: background .3s;
}
.wizard-progress-step.active { background: var(--amber); }
.wizard-progress-step.completed { background: var(--navy); }
.wizard-question { display: none; }
.wizard-question.active { display: block; animation: fadeIn .3s ease; }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}
.wizard-question-title {
  font-family: var(--font-display);
  font-size: 1.15rem;
  color: var(--navy);
  margin-bottom: 20px;
  text-align: center;
}
.wizard-options {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin-bottom: 24px;
}
.wizard-option {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: 10px;
  padding: 18px 16px;
  cursor: pointer;
  transition: all .18s;
  text-align: center;
  font-weight: 600;
  font-size: .92rem;
  color: var(--text);
}
.wizard-option:hover {
  border-color: var(--amber);
  background: var(--amber-light);
  transform: translateY(-2px);
}
.wizard-option.selected {
  border-color: var(--amber);
  background: var(--amber-light);
  color: var(--navy-dark);
  box-shadow: 0 4px 12px rgba(212,168,67,.3);
}
.wizard-option .wizard-icon {
  display: block;
  font-size: 1.8rem;
  margin-bottom: 6px;
}
.wizard-nav {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  margin-top: 16px;
}
.wizard-btn {
  padding: 12px 24px;
  border: 2px solid var(--border);
  background: var(--white);
  color: var(--text);
  border-radius: 8px;
  cursor: pointer;
  font-weight: 600;
  font-size: .9rem;
  transition: all .15s;
}
.wizard-btn:hover:not(:disabled) {
  border-color: var(--navy);
  background: var(--bg);
}
.wizard-btn:disabled { opacity: .4; cursor: not-allowed; }
.wizard-btn-next {
  background: var(--navy-dark);
  color: white;
  border-color: var(--navy-dark);
  margin-left: auto;
}
.wizard-btn-next:hover:not(:disabled) { background: var(--navy); }

/* Wizard Result */
.wizard-result {
  display: none;
  text-align: center;
  padding: 20px 0;
}
.wizard-result.show { display: block; animation: fadeIn .4s ease; }
.wizard-result-badge {
  display: inline-block;
  background: var(--amber);
  color: var(--navy-dark);
  padding: 6px 16px;
  border-radius: 20px;
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .04em;
  margin-bottom: 16px;
}
.wizard-result-title {
  font-family: var(--font-display);
  font-size: 1.8rem;
  color: var(--navy);
  margin-bottom: 12px;
}
.wizard-result-desc {
  color: var(--text-muted);
  font-size: .95rem;
  line-height: 1.7;
  margin-bottom: 24px;
}
.wizard-result-details {
  background: var(--bg);
  border-radius: 10px;
  padding: 20px;
  margin-bottom: 20px;
  text-align: left;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}
.wizard-result-detail strong {
  display: block;
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 1.1rem;
}
.wizard-result-detail span {
  font-size: .75rem;
  color: var(--text-muted);
}
.wizard-result-cta {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ---- Newsletter Signup ---- */
.newsletter-signup {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 100%);
  color: white;
  border-radius: 16px;
  padding: 40px 44px;
  margin: 40px auto;
  max-width: 720px;
  position: relative;
  overflow: hidden;
}
.newsletter-signup::before {
  content: "📊";
  position: absolute;
  right: -20px;
  top: -20px;
  font-size: 8rem;
  opacity: .08;
}
.newsletter-signup h3 {
  font-family: var(--font-display);
  font-size: 1.5rem;
  margin-bottom: 8px;
  color: var(--amber);
}
.newsletter-signup p {
  color: rgba(255,255,255,.8);
  margin-bottom: 20px;
  font-size: .95rem;
}
.newsletter-form {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.newsletter-input {
  flex: 1;
  min-width: 200px;
  padding: 14px 18px;
  border: 2px solid rgba(255,255,255,.15);
  border-radius: 10px;
  background: rgba(255,255,255,.08);
  color: white;
  font-family: var(--font-body);
  font-size: .95rem;
}
.newsletter-input::placeholder { color: rgba(255,255,255,.5); }
.newsletter-input:focus {
  outline: none;
  border-color: var(--amber);
  background: rgba(255,255,255,.12);
}
.newsletter-btn {
  background: var(--amber);
  color: var(--navy-dark);
  padding: 14px 28px;
  border: none;
  border-radius: 10px;
  font-weight: 700;
  cursor: pointer;
  font-size: .95rem;
  transition: all .15s;
}
.newsletter-btn:hover { background: #E8B84D; transform: translateY(-1px); }
.newsletter-privacy {
  font-size: .75rem;
  color: rgba(255,255,255,.5);
  margin-top: 12px;
  text-align: center;
}

/* ---- Micro-interactions & Animations ---- */
.animate-on-scroll {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .6s ease, transform .6s ease;
}
.animate-on-scroll.in-view {
  opacity: 1;
  transform: translateY(0);
}

.stat-count {
  transition: color .3s;
}
.card:hover, .loan-type-card:hover, .alt-card:hover, .related-card:hover {
  transform: translateY(-3px);
}

/* Cards hover lift */
.card { transition: transform .2s, box-shadow .2s; }

/* ---- Timeline Component ---- */
.timeline {
  position: relative;
  max-width: 720px;
  margin: 32px auto;
  padding-left: 40px;
}
.timeline::before {
  content: "";
  position: absolute;
  left: 12px;
  top: 12px;
  bottom: 12px;
  width: 2px;
  background: linear-gradient(180deg, var(--amber) 0%, var(--navy-mid) 50%, var(--amber) 100%);
}
.timeline-item {
  position: relative;
  margin-bottom: 32px;
  padding: 20px 24px;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-left: 3px solid var(--amber);
  border-radius: 0 12px 12px 0;
}
.timeline-item::before {
  content: "";
  position: absolute;
  left: -34px;
  top: 26px;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: var(--amber);
  border: 3px solid var(--white);
  box-shadow: 0 0 0 2px var(--amber);
}
.timeline-year {
  display: inline-block;
  background: var(--navy-dark);
  color: var(--amber);
  padding: 3px 12px;
  border-radius: 20px;
  font-size: .78rem;
  font-weight: 700;
  margin-bottom: 8px;
}
.timeline-title {
  font-family: var(--font-display);
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 6px;
  font-weight: 700;
}
.timeline-desc {
  font-size: .88rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin: 0;
}

/* ---- Rate Chart Container ---- */
.rate-chart-wrap {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  margin: 24px 0;
}
.rate-chart-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 20px;
  flex-wrap: wrap;
  gap: 12px;
}
.rate-chart-header h3 {
  font-family: var(--font-display);
  font-size: 1.05rem;
  color: var(--navy);
}
.rate-chart-tabs {
  display: flex;
  gap: 4px;
  background: var(--bg);
  padding: 4px;
  border-radius: 8px;
}
.rate-chart-tab {
  padding: 6px 14px;
  border: none;
  background: transparent;
  color: var(--text-muted);
  font-size: .82rem;
  font-weight: 600;
  border-radius: 6px;
  cursor: pointer;
  transition: all .15s;
}
.rate-chart-tab.active {
  background: var(--navy-dark);
  color: var(--amber);
}
.rate-chart-canvas {
  width: 100%;
  height: 280px;
  position: relative;
}

/* ---- Amortization Chart ---- */
.amort-chart-wrap {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin: 24px 0;
}

/* ---- Article Layout with TOC ---- */
.article-with-toc {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 40px;
  max-width: 1200px;
  margin: 0 auto;
  padding: 24px;
  align-items: start;
}
@media (max-width: 1023px) {
  .article-with-toc { grid-template-columns: 1fr; }
  .article-toc { position: static; max-height: none; margin-bottom: 20px; }
}

/* ---- Back to Top ---- */
.back-to-top {
  position: fixed;
  bottom: 32px;
  right: 32px;
  width: 48px;
  height: 48px;
  background: var(--navy-dark);
  color: var(--amber);
  border: 2px solid var(--amber);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  font-size: 1.2rem;
  font-weight: 700;
  z-index: 500;
  opacity: 0;
  transform: translateY(16px);
  transition: opacity .25s, transform .25s;
  box-shadow: 0 4px 16px rgba(13,31,60,.3);
  text-decoration: none;
}
.back-to-top.show {
  opacity: 1;
  transform: translateY(0);
}
.back-to-top:hover {
  background: var(--amber);
  color: var(--navy-dark);
  text-decoration: none;
}
@media (max-width: 600px) {
  .back-to-top { bottom: 20px; right: 20px; width: 42px; height: 42px; }
}
@media (prefers-reduced-motion: reduce) {
  .back-to-top { transition: none; }
}

/* ---- Apply Block (legacy) ---- */
.apply-block {
  background: var(--white); border-radius: var(--radius-lg);
  border: 2px solid var(--amber); padding: 32px;
  text-align: center; margin: 32px 0;
}
.apply-block h3 { font-family: var(--font-display); color: var(--navy); margin-bottom: 8px; }
.apply-block p { color: var(--text-muted); font-size: .92rem; margin-bottom: 24px; }
#apidiamond-form-container { min-height: 120px; }

/* ---- Mobile Nav ---- */
.mobile-nav {
  display: none; position: fixed; inset: 0; z-index: 500;
  background: var(--navy-dark); padding: 80px 24px 32px;
  flex-direction: column; gap: 8px; overflow-y: auto;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  color: rgba(255,255,255,.85); font-size: 1.05rem; font-weight: 500;
  padding: 12px 16px; border-radius: var(--radius);
  transition: .15s;
}
.mobile-nav a:hover { background: rgba(255,255,255,.08); color: white; text-decoration: none; }
.mobile-nav-close {
  position: absolute; top: 20px; right: 20px;
  background: none; border: none; color: white;
  font-size: 1.6rem; cursor: pointer;
}

/* ---- Alerts ---- */
.alert {
  padding: 14px 18px; border-radius: var(--radius);
  font-size: .9rem; margin: 16px 0;
  display: flex; align-items: flex-start; gap: 10px;
}
.alert-info { background: #E0EEF9; border-left: 4px solid var(--blue); color: var(--navy); }
.alert-warning { background: var(--amber-light); border-left: 4px solid var(--amber); color: #6A4000; }
.alert-success { background: #E8F7EE; border-left: 4px solid var(--green); color: #0E5227; }

/* ---- Service Sections ---- */
.svc-section { padding: 80px 24px; }
.svc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.svc-grid-reverse { direction: rtl; }
.svc-grid-reverse > * { direction: ltr; }

.svc-img-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.svc-img {
  width: 100%;
  height: 380px;
  object-fit: cover;
  display: block;
  transition: transform .4s ease;
}
.svc-img-wrap:hover .svc-img { transform: scale(1.03); }

.svc-img-badge {
  position: absolute;
  top: 18px; left: 18px;
  background: white;
  border-radius: 20px;
  padding: 6px 14px;
  font-size: .82rem;
  font-weight: 700;
  box-shadow: var(--shadow-md);
}

.svc-content .section-label { margin-bottom: 8px; }
.svc-content .section-title { margin-bottom: 16px; }
.svc-content > p {
  color: var(--text-muted);
  font-size: 1rem;
  line-height: 1.75;
  margin-bottom: 24px;
}

.svc-list { margin-bottom: 24px; }
.svc-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 9px 0;
  border-bottom: 1px solid var(--border);
  font-size: .95rem;
  line-height: 1.5;
}
.svc-list li:last-child { border-bottom: none; }
.svc-ico {
  font-size: 1rem;
  flex-shrink: 0;
  margin-top: 1px;
  color: var(--amber);
}

.svc-rate-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--bg2);
  border: 1.5px solid var(--border);
  border-radius: 8px;
  padding: 10px 16px;
  font-size: .9rem;
  color: var(--text-muted);
}
.svc-rate-pill strong {
  color: var(--navy);
  font-size: 1rem;
}

/* ---- Trustpilot Section ---- */
.tp-header {
  display: flex; justify-content: space-between;
  align-items: flex-start; gap: 48px;
  margin-bottom: 40px; flex-wrap: wrap;
}
.tp-header-left { flex: 1; min-width: 280px; }
.tp-score-box {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); padding: 28px 32px;
  text-align: center; min-width: 240px;
  box-shadow: var(--shadow-sm);
}
.tp-logo { display: flex; justify-content: center; margin-bottom: 14px; }
.tp-rating-big {
  font-family: var(--font-display); font-size: 3rem;
  font-weight: 900; color: #00B67A; line-height: 1;
  margin-bottom: 6px;
}
.tp-stars-row { display: flex; justify-content: center; gap: 2px; margin-bottom: 8px; }
.tp-star { font-size: 1.4rem; }
.tp-star.filled { color: #00B67A; }
.tp-star.half { color: #00B67A; opacity: .5; }
.tp-count { font-size: .85rem; color: var(--text-muted); margin-bottom: 16px; }
.tp-count strong { color: var(--text); }
.tp-link-btn {
  display: block; background: #00B67A; color: white;
  font-weight: 700; font-size: .85rem;
  padding: 10px 16px; border-radius: 8px;
  text-decoration: none; transition: .15s;
}
.tp-link-btn:hover { background: #009960; text-decoration: none; color: white; }

.tp-breakdown {
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--radius-lg); padding: 28px 32px;
  margin-bottom: 36px;
}
.tp-breakdown-title {
  font-family: var(--font-display); font-size: 1rem;
  font-weight: 700; color: var(--navy); margin-bottom: 16px;
}
.tp-bars { display: flex; flex-direction: column; gap: 10px; margin-bottom: 14px; }
.tp-bar-row { display: flex; align-items: center; gap: 12px; }
.tp-bar-label { font-size: .85rem; font-weight: 600; color: var(--text); min-width: 32px; }
.tp-bar-track {
  flex: 1; height: 10px; background: var(--bg2);
  border-radius: 5px; overflow: hidden;
}
.tp-bar-fill {
  height: 100%; border-radius: 5px;
  transition: width .6s ease;
}
.tp-bar-5 { background: #00B67A; }
.tp-bar-4 { background: #73CF11; }
.tp-bar-3 { background: #FFCE00; }
.tp-bar-2 { background: #FF8622; }
.tp-bar-1 { background: #FF3722; }
.tp-bar-pct { font-size: .82rem; color: var(--text-muted); min-width: 36px; text-align: right; }
.tp-breakdown-note {
  font-size: .75rem; color: var(--text-muted);
  border-top: 1px solid var(--border); padding-top: 12px;
}
.tp-breakdown-note a { color: var(--blue); }

.tp-themes-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.tp-theme-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); padding: 22px 20px;
  display: flex; flex-direction: column; gap: 10px;
}
.tp-theme-card.tp-positive { border-top: 3px solid #00B67A; }
.tp-theme-card.tp-neutral  { border-top: 3px solid #FFCE00; }
.tp-theme-card.tp-negative { border-top: 3px solid #FF3722; }
.tp-theme-card.tp-summary  {
  background: var(--navy-dark); border: none;
  border-top: 3px solid var(--amber);
}
.tp-theme-header { display: flex; align-items: center; justify-content: space-between; }
.tp-theme-stars { font-size: 1rem; color: #00B67A; letter-spacing: 1px; }
.tp-theme-badge {
  font-size: .7rem; font-weight: 700; padding: 3px 9px;
  border-radius: 20px; text-transform: uppercase; letter-spacing: .04em;
}
.tp-theme-badge.positive { background: #E6F7F0; color: #007A52; }
.tp-theme-badge.neutral  { background: #FFF8DC; color: #7A6000; }
.tp-theme-badge.negative { background: #FEE8E6; color: #8A1A10; }
.tp-theme-title {
  font-family: var(--font-display); font-size: .95rem;
  color: var(--navy); font-weight: 700; margin: 0;
}
.tp-theme-body {
  font-size: .85rem; color: var(--text-muted);
  line-height: 1.65; margin: 0; flex: 1;
}
.tp-theme-meta {
  font-size: .72rem; color: var(--text-muted);
  background: var(--bg); border-radius: 6px;
  padding: 6px 10px; border: 1px solid var(--border);
}
.tp-theme-meta strong { color: var(--navy); }

.tp-summary-inner { text-align: center; }
.tp-summary-score {
  font-family: var(--font-display); font-size: 3.2rem;
  font-weight: 900; color: var(--amber); line-height: 1;
  margin-bottom: 6px;
}
.tp-summary-score span { font-size: 1.4rem; color: rgba(255,255,255,.5); }
.tp-summary-label {
  font-size: .82rem; color: rgba(255,255,255,.65);
  margin-bottom: 20px;
}
.tp-summary-stats {
  display: flex; justify-content: space-around;
  padding: 16px 0; border-top: 1px solid rgba(255,255,255,.1);
  border-bottom: 1px solid rgba(255,255,255,.1);
  margin-bottom: 4px;
}
.tp-summary-stats div { text-align: center; }
.tp-summary-stats strong {
  display: block; font-family: var(--font-display);
  font-size: 1.3rem; color: var(--amber);
}
.tp-summary-stats span { font-size: .72rem; color: rgba(255,255,255,.55); }

/* ---- E-E-A-T: Editorial Team ---- */
.eeat-grid {
  display: grid;
  grid-template-columns: 480px 1fr;
  gap: 60px;
  align-items: start;
}
.eeat-img-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.eeat-img {
  width: 100%; height: 460px;
  object-fit: cover; display: block;
}
.eeat-img-overlay {
  position: absolute; bottom: 0; left: 0; right: 0;
  background: linear-gradient(to top, rgba(13,31,60,.92) 0%, rgba(13,31,60,.0) 100%);
  padding: 28px 24px 20px;
  display: flex; gap: 24px;
}
.eeat-img-stat {
  text-align: center; color: white;
}
.eeat-img-stat span {
  display: block;
  font-family: var(--font-display);
  font-size: 1.6rem; font-weight: 900;
  color: var(--amber); line-height: 1;
}
.eeat-img-stat {
  font-size: .72rem; color: rgba(255,255,255,.75);
  text-transform: uppercase; letter-spacing: .05em;
  margin-top: 3px;
}

.team-cards { display: flex; flex-direction: column; gap: 16px; margin-bottom: 24px; }
.team-card {
  display: flex; gap: 14px; align-items: flex-start;
  background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--radius); padding: 16px 18px;
  transition: .2s;
}
.team-card:hover { border-color: var(--amber); box-shadow: var(--shadow-sm); }
.team-avatar {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--navy-dark); color: var(--amber);
  font-family: var(--font-display); font-size: .95rem; font-weight: 900;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; letter-spacing: .02em;
}
.team-name {
  font-weight: 700; font-size: .95rem; color: var(--navy);
  margin-bottom: 3px;
}
.team-cred {
  font-size: .78rem; color: var(--text-muted);
  margin-bottom: 6px; line-height: 1.4;
}
.team-bio {
  font-size: .85rem; color: var(--text); line-height: 1.6; margin: 0;
}

.eeat-update-bar {
  display: flex; gap: 20px; flex-wrap: wrap;
  background: var(--bg2); border-radius: var(--radius);
  padding: 14px 18px; border: 1px solid var(--border);
}
.eeat-update-item {
  display: flex; align-items: center; gap: 8px;
  font-size: .82rem; color: var(--text-muted);
}
.eeat-update-icon { font-size: 1rem; }
.eeat-update-item strong { color: var(--navy); }

/* ---- E-E-A-T: Methodology ---- */
.method-steps { display: flex; flex-direction: column; gap: 20px; }
.method-step {
  display: flex; gap: 16px; align-items: flex-start;
}
.method-num {
  width: 40px; height: 40px; border-radius: 8px;
  background: var(--navy-dark); color: var(--amber);
  font-family: var(--font-display); font-size: .85rem; font-weight: 900;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.method-step strong {
  display: block; color: var(--navy); font-size: .95rem;
  margin-bottom: 4px;
}
.method-step p {
  font-size: .88rem; color: var(--text-muted);
  margin: 0; line-height: 1.6;
}

/* ---- Responsive E-E-A-T ---- */
@media (max-width: 1024px) {
  .eeat-grid { grid-template-columns: 1fr; }
  .eeat-img { height: 320px; }
  .eeat-img-overlay { gap: 16px; }
  .tp-themes-grid { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 768px) {
  .tp-header { flex-direction: column; }
  .tp-score-box { width: 100%; }
  .tp-themes-grid { grid-template-columns: 1fr; }
}
@media (max-width: 1024px) {
  .cards-grid { grid-template-columns: repeat(2,1fr); }
  .steps-grid { grid-template-columns: repeat(2,1fr); }
  .steps-grid::before { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .hero-form-card {
    max-width: 480px;
    margin: 0 auto;
    width: 100%;
  }
  .reviews-grid { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 1024px) {
  .svc-grid { gap: 40px; }
  .svc-img { height: 300px; }
}
@media (max-width: 768px) {
  .svc-grid { grid-template-columns: 1fr; gap: 28px; }
  .svc-grid-reverse { direction: ltr; }
  .svc-img { height: 240px; }
  .svc-section { padding: 52px 24px; }
  .site-nav { display: none; }
  .hamburger { display: flex; }
  .cards-grid { grid-template-columns: 1fr; }
  .pro-con-grid { grid-template-columns: 1fr; }
  .stats-row { grid-template-columns: repeat(2,1fr); }
  .content-wrap { grid-template-columns: 1fr; }
  .sidebar-sticky { position: static; }
  .cta-banner { flex-direction: column; padding: 36px 28px; }
  .calc-body { grid-template-columns: 1fr; }
  .calc-results { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .reviews-grid { grid-template-columns: 1fr; }
  .hero-stats { gap: 20px; flex-wrap: wrap; }
}
@media (max-width: 480px) {
  .stats-row { grid-template-columns: 1fr; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas a { text-align: center; justify-content: center; }
}

/* ============================================================
   COMPREHENSIVE RESPONSIVE UI FIXES (Desktop → Tablet → Mobile)
   ============================================================ */

/* ---- Desktop (1200px+) — default styles apply ---- */

/* ---- Laptop (1024–1199px) ---- */
@media (max-width: 1199px) {
  .container { padding: 0 20px; }
  .site-nav { gap: 4px; }
  .site-nav a { font-size: .88rem; padding: 6px 10px; }
}

/* ---- Tablet Landscape (900–1023px) ---- */
@media (max-width: 1023px) {
  /* Nav — show hamburger, hide site-nav */
  .site-nav { display: none; }
  .hamburger { display: flex; }
  .btn-apply { padding: 10px 18px; font-size: .85rem; }

  /* Hero — content stacks, form below */
  .hero { padding: 48px 20px 56px; }
  .hero-brand { font-size: clamp(2rem, 8vw, 3rem); }
  .hero h1 { font-size: clamp(1.6rem, 4vw, 2.4rem); }

  /* Top-bar wraps naturally */
  .top-bar { font-size: .78rem; padding: 8px 16px; text-align: center; }

  /* Trust bar wraps */
  .trust-bar-inner { gap: 20px; flex-wrap: wrap; justify-content: center; }
  .trust-item { flex: 1 1 200px; min-width: 180px; }

  /* Jump nav horizontal scroll */
  .jump-nav-links {
    overflow-x: auto;
    flex-wrap: nowrap;
    scrollbar-width: thin;
    -webkit-overflow-scrolling: touch;
  }
  .jump-nav-links a { flex-shrink: 0; }
}

/* ---- Tablet Portrait (768–899px) ---- */
@media (max-width: 899px) {
  /* Loan types → 2 cols */
  .loan-types-grid { grid-template-columns: repeat(2, 1fr) !important; }

  /* Alternatives → 1 col */
  .alt-grid, .persona-grid, .eligibility-grid { grid-template-columns: 1fr !important; }

  /* Elig CTA stacks */
  .elig-cta-box { flex-direction: column; text-align: center; }
  .elig-cta-box .btn-primary { width: 100%; }

  /* Jump nav vertical on smaller */
  .jump-nav { padding: 14px 18px; }
  .jump-nav-label { font-size: .85rem; }
  .jump-nav-links a { font-size: .78rem; padding: 5px 10px; }
}

/* ---- Mobile Landscape (600–767px) ---- */
@media (max-width: 767px) {
  html { font-size: 15px; }

  /* Header compact */
  .site-header .container { padding: 0 16px; height: 60px; }
  .site-logo { font-size: 1.05rem; }

  /* Hero — cleaner mobile */
  .hero { padding: 36px 16px 48px; }
  .hero-brand {
    font-size: clamp(1.8rem, 9vw, 2.4rem);
    letter-spacing: -.02em;
  }
  .hero h1 {
    font-size: clamp(1.4rem, 5vw, 1.9rem);
    line-height: 1.3;
  }
  .hero-desc { font-size: .95rem; }
  .hero-badge { font-size: .72rem; padding: 5px 10px; }
  .hero-stats { gap: 16px; }
  .hero-stat .num { font-size: 1.25rem; }
  .hero-stat .lbl { font-size: .7rem; }
  .hero-form-card { max-width: 100%; }
  .apid-card-head { padding: 16px 20px 14px; }
  .apid-card-head h3 { font-size: 1rem; }
  .apid-card-head p { font-size: .78rem; }
  .apid-form-wrap { padding: 12px 16px 6px; }

  /* Section spacing */
  .section { padding: 48px 16px; }
  .container { padding: 0; }
  .section-title { font-size: clamp(1.35rem, 4vw, 1.75rem); }
  .section-subtitle { font-size: .92rem; }
  .section-label { font-size: .75rem; }

  /* Trust bar — 2 cols */
  .trust-bar { padding: 20px 16px; }
  .trust-bar-inner { gap: 16px; }
  .trust-item { flex: 1 1 45%; min-width: 140px; font-size: .82rem; }
  .trust-item strong { font-size: .82rem; }

  /* Cards → 1 col */
  .cards-grid, .steps-grid { grid-template-columns: 1fr !important; }
  .steps-grid::before { display: none; }
  .stats-row { grid-template-columns: repeat(2, 1fr); }

  /* Loan types → 1 col */
  .loan-types-grid, .related-grid { grid-template-columns: 1fr !important; }

  /* Score card mobile-friendly */
  .score-card { padding: 20px 20px; }
  .score-header h2 { font-size: 1rem; }
  .score-num { font-size: 2rem; }

  /* Rate table horizontal scroll */
  .rate-table-wrap {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }
  .rate-table { min-width: 560px; font-size: .82rem; }
  .rate-table thead th, .rate-table tbody td { padding: 10px 12px; }

  /* Eligibility */
  .elig-card { padding: 18px 20px; }

  /* Trustpilot */
  .tp-header { gap: 24px; }
  .tp-score-box { padding: 20px 24px; }
  .tp-rating-big { font-size: 2.5rem; }

  /* Pros/Cons */
  .pro-con-grid { grid-template-columns: 1fr !important; gap: 20px; }

  /* Content-wrap (blog pages) */
  .content-wrap { grid-template-columns: 1fr !important; gap: 32px; }
  .sidebar-sticky { position: static !important; }

  /* CTA banner */
  .cta-banner {
    flex-direction: column;
    padding: 32px 24px;
    text-align: center;
    gap: 20px;
  }
  .cta-banner .btn-primary { width: 100%; justify-content: center; }

  /* Calculator */
  .calc-body, .calc-results { grid-template-columns: 1fr !important; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr !important; gap: 32px; }

  /* FAQ */
  .faq-item { padding: 16px 18px; }
  .faq-question { font-size: .95rem; }
  .faq-answer { font-size: .88rem; }

  /* Methodology */
  .meth-steps { grid-template-columns: 1fr !important; }

  /* Editorial team */
  .team-cards { grid-template-columns: 1fr !important; }
  .eeat-img { height: 240px; }

  /* Related guides padding */
  .related-card { padding: 16px 18px; }
  .related-card h3 { font-size: .9rem; }

  /* Loan types CTA */
  .loan-types-cta { flex-direction: column; text-align: center; padding: 20px 24px; }

  /* Back to top smaller */
  .back-to-top { width: 44px; height: 44px; bottom: 20px; right: 20px; font-size: 1.1rem; }
}

/* ---- Mobile Portrait (≤480px) ---- */
@media (max-width: 480px) {
  .site-header .container { height: 56px; }
  .site-logo { font-size: 1rem; }
  .btn-apply { padding: 8px 14px; font-size: .78rem; }

  /* Hero */
  .hero { padding: 28px 14px 40px; }
  .hero-brand { font-size: 1.7rem; }
  .hero h1 { font-size: 1.35rem; }
  .hero-badge {
    font-size: .68rem;
    padding: 4px 10px;
    display: inline-flex;
    max-width: 100%;
    flex-wrap: wrap;
    justify-content: center;
    text-align: center;
    gap: 4px;
  }

  /* Stats mobile */
  .hero-stats { grid-template-columns: repeat(2, 1fr); display: grid; }
  .stats-row { grid-template-columns: 1fr; }

  /* Sections */
  .section { padding: 40px 14px; }
  .section-title { font-size: 1.4rem; line-height: 1.3; }

  /* Alert */
  .alert { flex-direction: column; padding: 14px 16px; font-size: .88rem; }
  .alert > span:first-child { font-size: 1.5rem; }

  /* Trust bar — 1 col */
  .trust-item { flex: 1 1 100%; }

  /* Score */
  .score-card { padding: 18px 16px; }
  .score-row { flex-wrap: wrap; }
  .score-row-label { min-width: 100px; font-size: .82rem; }

  /* Rate table narrower min-width */
  .rate-table { min-width: 480px; }

  /* Trustpilot */
  .tp-summary-stats { flex-direction: column; gap: 12px; }

  /* Persona */
  .persona-card { padding: 18px 16px; }
  .persona-avatar { width: 44px; height: 44px; font-size: 1.6rem; }
  .persona-card h3 { font-size: .95rem; }

  /* Alternatives */
  .alt-card { padding: 20px 18px; }
  .alt-meta { grid-template-columns: 1fr; }

  /* Legal pages hero */
  .legal-page-title { font-size: 1.4rem !important; }
  .legal-page-hero { padding: 32px 16px 28px; }
  .legal-section h2 { font-size: 1.15rem; }
  .legal-section p, .legal-section li { font-size: .9rem; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; }
}
/* ---- END COMPREHENSIVE RESPONSIVE ---- */