/* =============================================
   LENDLY REVIEW HUB — Core Stylesheet
   Palette: Sky Blue + Coral + Slate Light
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&family=Lora:ital,wght@0,400;0,600;1,400&display=swap');

/* ── CSS Variables ── */
:root {
  --navy:      #1E3A8A;
  --navy-mid:  #1D4ED8;
  --navy-light:#EFF6FF;
  --amber:     #EF4444;
  --amber-dark:#DC2626;
  --green:     #059669;
  --red:       #B91C1C;
  --slate:     #64748B;
  --slate-light:#F0F9FF;
  --white:     #FFFFFF;
  --text:      #1E293B;
  --text-muted:#64748B;
  --border:    #DBEAFE;
  --radius-sm: 6px;
  --radius:    12px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 3px rgba(0,0,0,.08);
  --shadow:    0 4px 16px rgba(2,132,199,.12);
  --shadow-lg: 0 12px 40px rgba(2,132,199,.18);
  --sky-900:   #0C4A6E;
  --sky-700:   #0369A1;
  --sky-600:   #0284C7;
  --sky-500:   #0EA5E9;
  --sky-400:   #38BDF8;
  --font-main: 'Plus Jakarta Sans', sans-serif;
  --font-serif:'Lora', Georgia, serif;
  --max-w:     1160px;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font-main); color: var(--text); background: var(--white); line-height: 1.65; font-size: 16px; }
img { max-width: 100%; display: block; }
a { color: var(--navy-mid); text-decoration: none; }
a:hover { color: var(--amber-dark); }
ul { list-style: none; }

/* ── Layout ── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section { padding: 72px 0; }
.section--gray { background: var(--slate-light); }
.section--navy { background: #0369A1; color: var(--white); }

/* ── Typography ── */
h1,h2,h3,h4,h5 { font-family: var(--font-main); font-weight: 800; line-height: 1.2; color: var(--navy); }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.2rem); }
h3 { font-size: 1.25rem; font-weight: 700; }
h4 { font-size: 1rem; font-weight: 700; }
p { margin-bottom: 1rem; color: var(--text); }
.lead { font-size: 1.15rem; color: var(--text-muted); line-height: 1.8; }
.section-label { font-size: .75rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--amber-dark); margin-bottom: 12px; display: block; }
.section-title { margin-bottom: 16px; }
.section-sub { color: var(--text-muted); max-width: 600px; margin-bottom: 48px; }

/* ── Buttons ── */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 14px 28px; border-radius: var(--radius-sm); font-weight: 700; font-size: .95rem; cursor: pointer; transition: all .2s; border: 2px solid transparent; text-decoration: none; }
.btn-primary { background: var(--amber); color: var(--navy); }
.btn-primary:hover { background: var(--amber-dark); color: var(--navy); transform: translateY(-1px); box-shadow: var(--shadow); }
.btn-outline { background: transparent; border-color: var(--navy-mid); color: var(--navy-mid); }
.btn-outline:hover { background: var(--navy-mid); color: var(--white); }
.btn-white { background: var(--white); color: var(--navy); }
.btn-white:hover { background: var(--navy-light); color: var(--navy); }
.btn-lg { padding: 18px 36px; font-size: 1.05rem; }
.btn-full { width: 100%; justify-content: center; }

/* ── Navigation ── */
.nav { background: var(--white); border-bottom: 1px solid var(--border); position: relative; z-index: 100; box-shadow: var(--shadow-sm); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.nav-logo { font-size: 1.5rem; font-weight: 800; color: var(--navy); display: inline-flex; align-items: baseline; gap: 4px; text-decoration: none; letter-spacing: -.02em; line-height: 1; }
.brand-lendly { background: linear-gradient(135deg, #EF4444 0%, #F87171 60%, #FCA5A5 100%); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; font-weight: 800; }
.footer-logo { font-size: 1.55rem; font-weight: 800; display: inline-flex; align-items: baseline; gap: 4px; letter-spacing: -.02em; line-height: 1; margin-bottom: 14px; }
.footer-logo .brand-lendly { background: linear-gradient(135deg, #F87171 0%, #FCA5A5 60%, #FECACA 100%); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; filter: drop-shadow(0 0 16px rgba(239,68,68,.4)); }
.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-links a { padding: 8px 14px; border-radius: var(--radius-sm); font-size: .9rem; font-weight: 600; color: var(--text-muted); transition: all .15s; }
.nav-links a:hover, .nav-links a.active { background: var(--navy-light); color: var(--navy); }
.nav-cta { margin-left: 12px; }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: .3s; }

/* ── FTC Disclosure Bar ── */
.ftc-bar { background: transparent; border-top: 1px solid rgba(255,255,255,.1); padding: 12px 0; font-size: .72rem; color: rgba(255,255,255,.55); text-align: center; }
.ftc-bar strong { font-weight: 700; color: rgba(255,255,255,.75); }

/* ── Hero ── */
.hero {
  background:
    linear-gradient(135deg,
      rgba(3,105,161,.40) 0%,
      rgba(2,132,199,.28) 50%,
      rgba(14,165,233,.20) 100%),
    url('../images/lendlyherobg.jpg') center/cover no-repeat;
  padding: 60px 0 60px;
  overflow: hidden;
  position: relative;
}
.hero::after { content:''; position:absolute; right:-100px; top:-100px; width:500px; height:500px; border-radius:50%; background:rgba(14,165,233,.12); pointer-events:none; }
.hero-inner { display: grid; grid-template-columns: 1fr minmax(420px, 420px); gap: 48px; align-items: flex-start; padding-top: 8px; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,.15); border: 1px solid rgba(255,255,255,.3); border-radius: 20px; padding: 6px 14px; font-size: .8rem; font-weight: 700; color: var(--amber); margin-bottom: 16px; }
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 em { color: var(--amber); font-style: normal; }
.hero p { color: rgba(255,255,255,.75); font-size: .92rem; margin-bottom: 18px; max-width: 520px; }
.hero-stats { display: flex; gap: 24px; margin-top: 22px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.15); }
.hero-stat-num { font-size: 1.25rem; font-weight: 800; color: var(--amber); display: block; }
.hero-stat-label { font-size: .72rem; color: rgba(255,255,255,.6); }

/* ── Score Card (hero right) ── */
.score-card { background: var(--white); border-radius: var(--radius-lg); padding: 32px; box-shadow: var(--shadow-lg); }
.score-card-header { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 24px; }
.score-badge { text-align: center; }
.score-circle { width: 80px; height: 80px; border-radius: 50%; background: linear-gradient(135deg, var(--amber) 0%, var(--amber-dark) 100%); display: flex; flex-direction: column; align-items: center; justify-content: center; }
.score-num { font-size: 1.6rem; font-weight: 800; color: var(--navy); line-height: 1; }
.score-max { font-size: .7rem; color: var(--navy); }
.score-label { font-size: .75rem; color: var(--text-muted); margin-top: 6px; font-weight: 600; }
.score-meta h3 { font-size: 1.1rem; color: var(--navy); margin-bottom: 4px; }
.score-meta p { font-size: .8rem; color: var(--text-muted); margin: 0; }
.score-rows { display: flex; flex-direction: column; gap: 12px; margin-bottom: 24px; }
.score-row { display: flex; justify-content: space-between; align-items: center; }
.score-row-label { font-size: .85rem; color: var(--text-muted); }
.score-row-val { font-size: .85rem; font-weight: 700; color: var(--navy); }
.score-row-val.green { color: var(--green); }
.score-row-val.red { color: var(--red); }
.score-row-val.amber { color: var(--amber-dark); }
.score-divider { height: 1px; background: var(--border); margin: 4px 0; }

/* ── Stars ── */
.stars { display: flex; gap: 2px; }
.star { width: 16px; height: 16px; fill: var(--amber); }
.star-empty { fill: #E2E8F0; }

/* ── Rating Pills ── */
.rating-pill { display: inline-flex; align-items: center; gap: 6px; background: var(--navy-light); border-radius: 20px; padding: 4px 12px; font-size: .8rem; font-weight: 700; color: var(--navy); }

/* ── Pros / Cons ── */
.pros-cons { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.pros-box, .cons-box { background: var(--white); border-radius: var(--radius); padding: 28px; border: 1px solid var(--border); }
.pros-box { border-top: 4px solid var(--green); }
.cons-box { border-top: 4px solid var(--red); }
.pros-box h3 { color: var(--green); display: flex; align-items: center; gap: 8px; margin-bottom: 16px; }
.cons-box h3 { color: var(--red); display: flex; align-items: center; gap: 8px; margin-bottom: 16px; }
.check-list li { display: flex; align-items: flex-start; gap: 10px; font-size: .9rem; padding: 8px 0; border-bottom: 1px solid var(--border); }
.check-list li:last-child { border-bottom: none; }
.check-list li::before { content: '✓'; color: var(--green); font-weight: 800; flex-shrink: 0; margin-top: 1px; }
.cross-list li { display: flex; align-items: flex-start; gap: 10px; font-size: .9rem; padding: 8px 0; border-bottom: 1px solid var(--border); }
.cross-list li:last-child { border-bottom: none; }
.cross-list li::before { content: '✗'; color: var(--red); font-weight: 800; flex-shrink: 0; margin-top: 1px; }

/* ── Data Table ── */
.data-table { width: 100%; border-collapse: collapse; background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); border: 1px solid var(--border); }
.data-table th { background: var(--navy); color: var(--white); padding: 14px 18px; text-align: left; font-size: .85rem; font-weight: 700; letter-spacing: .04em; }
.data-table td { padding: 14px 18px; border-bottom: 1px solid var(--border); font-size: .9rem; vertical-align: top; }
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:nth-child(even) td { background: var(--slate-light); }
.data-table td:first-child { font-weight: 600; color: var(--navy); width: 35%; }
.table-wrap { overflow-x: auto; border-radius: var(--radius); }

/* ── Cards ── */
.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }
.card { background: var(--white); border-radius: var(--radius); padding: 28px; border: 1px solid var(--border); box-shadow: var(--shadow-sm); transition: box-shadow .2s, transform .2s; }
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.card-icon { width: 48px; height: 48px; background: var(--navy-light); border-radius: var(--radius-sm); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; font-size: 1.4rem; }
.card h3 { margin-bottom: 10px; font-size: 1.05rem; }
.card p { font-size: .9rem; color: var(--text-muted); margin: 0; }

/* ── Lender Compare Card ── */
.lender-cards { display: flex; flex-direction: column; gap: 16px; }
.lender-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 24px 28px; display: grid; grid-template-columns: 180px 1fr auto; gap: 24px; align-items: center; transition: box-shadow .2s; }
.lender-card:hover { box-shadow: var(--shadow); }
.lender-card.featured { border-color: var(--amber); border-width: 2px; }
.lender-card-badge { position: relative; }
.lender-name { font-weight: 800; font-size: 1.05rem; color: var(--navy); }
.lender-tagline { font-size: .82rem; color: var(--text-muted); margin-top: 2px; }
.lender-stats { display: flex; gap: 32px; }
.lender-stat label { font-size: .72rem; text-transform: uppercase; letter-spacing: .06em; color: var(--text-muted); display: block; margin-bottom: 2px; }
.lender-stat span { font-size: .95rem; font-weight: 700; color: var(--navy); }

/* ── Steps ── */
.steps { display: flex; flex-direction: column; gap: 0; }
.step { display: grid; grid-template-columns: 56px 1fr; gap: 24px; padding: 28px 0; border-bottom: 1px solid var(--border); }
.step:last-child { border-bottom: none; }
.step-num { width: 44px; height: 44px; background: var(--navy); color: var(--white); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 1rem; flex-shrink: 0; }
.step h3 { margin-bottom: 6px; }
.step p { font-size: .9rem; color: var(--text-muted); margin: 0; }

/* ── FAQ Accordion ── */
.faq-list { display: flex; flex-direction: column; gap: 8px; }
.faq-item { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-sm); overflow: hidden; }
.faq-question { width: 100%; text-align: left; padding: 18px 22px; background: none; border: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; font-size: .95rem; font-weight: 700; color: var(--navy); font-family: var(--font-main); }
.faq-question:hover { background: var(--slate-light); }
.faq-icon { width: 22px; height: 22px; background: var(--navy-light); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; color: var(--navy); font-size: .8rem; transition: transform .3s; }
.faq-answer { display: none; padding: 0 22px 18px; font-size: .9rem; color: var(--text-muted); line-height: 1.75; }
.faq-item.open .faq-answer { display: block; }
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--navy); color: var(--white); }

/* ── APR Warning Banner ── */
.apr-warning { background: #FEF2F2; border: 1px solid #FECACA; border-radius: var(--radius-sm); padding: 16px 20px; display: flex; gap: 12px; align-items: flex-start; margin: 24px 0; }
.apr-warning-icon { font-size: 1.2rem; flex-shrink: 0; }
.apr-warning p { font-size: .85rem; color: #991B1B; margin: 0; line-height: 1.6; }

/* ── State Map Grid ── */
.state-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(130px, 1fr)); gap: 8px; }
.state-pill { padding: 8px 14px; border-radius: var(--radius-sm); font-size: .82rem; font-weight: 600; text-align: center; }
.state-pill.available { background: #D1FAE5; color: #065F46; border: 1px solid #A7F3D0; }
.state-pill.unavailable { background: var(--slate-light); color: var(--text-muted); border: 1px solid var(--border); }

/* ── Calculator ── */
.calc-wrap { background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); overflow: hidden; border: 1px solid var(--border); }
.calc-header { background: #0369A1; padding: 28px 32px; }
.calc-header h2 { color: var(--white); margin-bottom: 6px; }
.calc-header p { color: rgba(255,255,255,.7); margin: 0; font-size: .9rem; }
.calc-body { padding: 32px; }
.calc-group { margin-bottom: 24px; }
.calc-label { display: flex; justify-content: space-between; align-items: center; margin-bottom: 10px; }
.calc-label label { font-weight: 700; font-size: .9rem; color: var(--navy); }
.calc-label span { font-size: .85rem; font-weight: 700; color: var(--amber-dark); background: #FEE2E2; padding: 3px 10px; border-radius: 20px; }
input[type="range"] { width: 100%; accent-color: var(--amber); height: 4px; }
.calc-result { background: var(--navy); border-radius: var(--radius); padding: 28px; margin-top: 8px; }
.calc-result-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.calc-result-item { background: rgba(255,255,255,.08); border-radius: var(--radius-sm); padding: 16px; }
.calc-result-label { font-size: .75rem; color: rgba(255,255,255,.6); text-transform: uppercase; letter-spacing: .06em; margin-bottom: 4px; }
.calc-result-value { font-size: 1.4rem; font-weight: 800; color: var(--white); }
.calc-result-value.amber { color: var(--amber); }
.calc-disclaimer { font-size: .78rem; color: rgba(255,255,255,.5); margin-top: 16px; }

/* ── Verdict Box ── */
.verdict-box {
  background:
    linear-gradient(rgba(12,74,110,.84), rgba(3,105,161,.84)),
    url('../images/lendlyverdictbg.jpg') center top/cover no-repeat;
  border-radius: var(--radius-lg);
  padding: 56px 40px;
  color: var(--white);
  text-align: center;
}
.verdict-box h2 { color: var(--white); margin-bottom: 16px; }
.verdict-box p { color: rgba(255,255,255,.8); max-width: 620px; margin: 0 auto 28px; }

/* ── Breadcrumb ── */
.breadcrumb { padding: 16px 0; font-size: .83rem; color: var(--text-muted); display: flex; align-items: center; gap: 6px; flex-wrap: wrap; }
.breadcrumb a { color: var(--text-muted); }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb-sep { color: var(--border); }

/* ── Page Header ── */
.page-header { background: linear-gradient(135deg, #0369A1 0%, #0284C7 100%); padding: 56px 0 48px; }
.page-header h1 { color: var(--white); margin-bottom: 12px; }
.page-header p { color: rgba(255,255,255,.75); max-width: 640px; margin: 0; font-size: 1.05rem; }

/* ── Footer ── */
.footer { background: #0C4A6E; color: rgba(255,255,255,.7); padding: 60px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand p { font-size: .88rem; line-height: 1.7; margin: 16px 0 24px; }
.footer h4 { color: var(--white); font-size: .9rem; margin-bottom: 16px; }
.footer ul li { margin-bottom: 10px; }
.footer ul li a { color: rgba(255,255,255,.6); font-size: .87rem; transition: color .15s; }
.footer ul li a:hover { color: var(--amber); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding-top: 28px; display: flex; justify-content: space-between; align-items: flex-start; gap: 24px; flex-wrap: wrap; }
.footer-disclaimer { font-size: .75rem; color: rgba(255,255,255,.4); line-height: 1.7; max-width: 720px; }

/* ── Inline Badge ── */
.badge { display: inline-block; padding: 3px 10px; border-radius: 20px; font-size: .75rem; font-weight: 700; }
.badge-green { background: #D1FAE5; color: #065F46; }
.badge-red { background: #FEE2E2; color: #991B1B; }
.badge-amber { background: #FEE2E2; color: #991B1B; }
.badge-navy { background: var(--navy-light); color: var(--navy); }

/* ── Blog ── */
.blog-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 28px; }
.blog-card { border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; transition: box-shadow .2s; background: var(--white); }
.blog-card:hover { box-shadow: var(--shadow); }
.blog-card-img { height: 180px; background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%); display: flex; align-items: center; justify-content: center; font-size: 3rem; }
.blog-card-body { padding: 24px; }
.blog-card-body .badge { margin-bottom: 12px; }
.blog-card-body h3 { margin-bottom: 10px; font-size: 1.05rem; }
.blog-card-body h3 a { color: var(--navy); }
.blog-card-body h3 a:hover { color: var(--amber-dark); }
.blog-card-body p { font-size: .87rem; color: var(--text-muted); margin-bottom: 16px; }
.blog-meta { font-size: .78rem; color: var(--text-muted); }

/* ── Sticky Sidebar CTA ── */
.content-layout { display: grid; grid-template-columns: 1fr 320px; gap: 40px; align-items: flex-start; }
.sidebar { position: sticky; top: 24px; }
.sidebar-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); }
.sidebar-card-header { background: var(--navy); padding: 20px; }
.sidebar-card-header h3 { color: var(--white); font-size: 1rem; margin: 0; }
.sidebar-card-body { padding: 20px; }
.sidebar-stat { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid var(--border); font-size: .87rem; }
.sidebar-stat:last-child { border-bottom: none; }
.sidebar-stat-label { color: var(--text-muted); }
.sidebar-stat-val { font-weight: 700; color: var(--navy); }

/* ── Comparison Table ── */
.compare-table { width: 100%; border-collapse: collapse; }
.compare-table th { background: var(--navy); color: var(--white); padding: 16px 20px; text-align: center; font-size: .88rem; }
.compare-table th:first-child { text-align: left; background: #0a1c38; }
.compare-table td { padding: 14px 20px; text-align: center; border-bottom: 1px solid var(--border); font-size: .9rem; }
.compare-table td:first-child { text-align: left; font-weight: 600; color: var(--navy); background: var(--slate-light); font-size: .85rem; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table .highlight-col { background: #EFF6FF; }
.check-icon { color: var(--green); font-weight: 800; }
.x-icon { color: var(--red); font-weight: 800; }

/* ── Product Feature Block (CC Connect / CC Flow) ── */
.product-feature-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
  margin-top: 8px;
}
.product-feature-block--reverse {
  direction: rtl;
}
.product-feature-block--reverse > * {
  direction: ltr;
}
.product-feature-img {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  min-height: 340px;
}
.product-feature-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  min-height: 340px;
}
.product-feature-img.img-fallback {
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 4rem;
  min-height: 340px;
}
.product-badge {
  position: absolute;
  bottom: 16px;
  left: 16px;
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}
.product-tag {
  display: inline-block;
  font-size: .72rem;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--amber-dark);
  background: #FEE2E2;
  border: 1px solid #FECACA;
  border-radius: 4px;
  padding: 4px 10px;
  margin-bottom: 14px;
}
.product-tag--blue {
  color: var(--navy-mid);
  background: var(--navy-light);
  border-color: #BFDBFE;
}
.feature-list {
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin-bottom: 28px;
}
.feature-item {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 14px;
  align-items: flex-start;
}
.feature-icon {
  width: 40px;
  height: 40px;
  background: var(--navy-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.feature-item strong {
  display: block;
  font-size: .92rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 3px;
}
.feature-item p {
  font-size: .86rem;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.6;
}
.product-stat-row {
  display: flex;
  gap: 0;
  background: var(--navy);
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 20px;
}
.product-stat {
  flex: 1;
  padding: 16px 20px;
  text-align: center;
  border-right: 1px solid rgba(255,255,255,.1);
}
.product-stat:last-child { border-right: none; }
.product-stat-num {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--amber);
  display: block;
  white-space: nowrap;
}
.product-stat-label {
  font-size: .72rem;
  color: rgba(255,255,255,.6);
  text-transform: uppercase;
  letter-spacing: .05em;
}

/* ── Hero Brand Headline ── */
.hero-h1 {
  display: flex;
  flex-direction: column;
  gap: 2px;
  margin-bottom: 14px;
  color: var(--white);
}
.hero-h1-top {
  font-size: clamp(.82rem, 1.4vw, .95rem);
  font-weight: 600;
  color: rgba(255,255,255,.7);
  letter-spacing: .02em;
}
.hero-brand {
  font-size: clamp(2.8rem, 7vw, 4.8rem);
  font-weight: 800;
  line-height: .95;
  letter-spacing: -.03em;
  background: linear-gradient(135deg, #EF4444 0%, #F87171 45%, #FCA5A5 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  filter: drop-shadow(0 0 28px rgba(239,68,68,.38));
  display: block;
}
.hero-h1-bottom {
  font-size: clamp(1.1rem, 2.8vw, 1.9rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
}
.hero-sub {
  font-size: .92rem;
  color: rgba(255,255,255,.78);
  max-width: 520px;
  line-height: 1.65;
  margin-bottom: 0;
}
.hero-trust-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-top: 12px;
}
.trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 20px;
  padding: 5px 11px;
  font-size: .76rem;
  font-weight: 600;
  color: rgba(255,255,255,.9);
}

@media (max-width: 900px) {
  .product-feature-block,
  .product-feature-block--reverse {
    grid-template-columns: 1fr;
    direction: ltr;
  }
  .product-feature-img { min-height: 240px; }
  .product-feature-img img { min-height: 240px; }
  .product-stat-num { font-size: .95rem; }
}

@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .score-card { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .content-layout { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .pros-cons { grid-template-columns: 1fr; }
  .lender-card { grid-template-columns: 1fr; }
  .lender-stats { flex-wrap: wrap; gap: 16px; }
}

/* ═══════════════════════════════════════════
   TABLET BREAKPOINT (768-1023px)
   ═══════════════════════════════════════════ */
@media (min-width: 768px) and (max-width: 1023px) {
  .container { padding: 0 32px; max-width: 100%; }
  .hero-inner { grid-template-columns: 1fr; gap: 36px; align-items: stretch; }
  .hero-content { padding: 48px 0 28px; max-width: 100%; }
  .apply-form-card { width: 100%; max-width: 540px; margin: 0 auto 36px; border-radius: 16px; box-shadow: var(--shadow-lg); min-height: auto; }
  .hero-stat-boxes { gap: 10px; }
  .stat-box { min-width: 110px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .card-grid { grid-template-columns: 1fr 1fr; }
  .eeat-expert-grid { grid-template-columns: 1fr 1fr; }
  .reviews-grid { grid-template-columns: 1fr 1fr; }
  .feature-section, .feature-section.reverse { grid-template-columns: 1fr; gap: 28px; }
  .feature-section.reverse .feature-image { order: 0; }
}

/* ═══════════════════════════════════════════
   RESPONSIVE NAV — Mobile + Tablet Hamburger Drawer
   ═══════════════════════════════════════════ */
@media (max-width: 1023px) {
  .nav-toggle { display: flex; flex-direction: column; justify-content: center; width: 44px; height: 44px; gap: 0; padding: 0; background: none; border: none; cursor: pointer; z-index: 1002; position: relative; }
  .nav-toggle span { display: block; width: 22px; height: 2.5px; background: var(--navy); margin: 2.5px auto; border-radius: 2px; transition: transform .3s ease, opacity .25s ease, background .25s ease; transform-origin: center; }
  .nav-toggle.open span { background: var(--navy); }
  .nav-toggle.open span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
  .nav-toggle.open span:nth-child(2) { opacity: 0; transform: translateX(-12px); }
  .nav-toggle.open span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

  /* Drawer panel */
  .nav-links {
    position: fixed;
    top: 0;
    right: -100%;
    width: min(360px, 92vw);
    height: 100vh;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    padding: 0;
    gap: 0;
    box-shadow: -12px 0 40px rgba(2,132,199,.22);
    transition: right .35s cubic-bezier(.4,0,.2,1);
    overflow-y: auto;
    z-index: 1001;
    -webkit-overflow-scrolling: touch;
  }
  .nav-links.open { right: 0; }

  /* Drawer header bar — visible brand + close hint */
  .nav-links::before {
    content: '';
    display: block;
    height: 64px;
    background: linear-gradient(135deg, #0369A1 0%, #0EA5E9 100%);
    position: sticky;
    top: 0;
    z-index: 2;
  }
  .nav-links::after {
    content: 'MENU';
    position: absolute;
    top: 22px;
    left: 24px;
    font-size: .82rem;
    font-weight: 800;
    letter-spacing: .18em;
    color: rgba(255,255,255,.95);
    z-index: 3;
  }

  /* Drawer items */
  .nav-links a {
    padding: 16px 24px;
    font-size: 1rem;
    font-weight: 600;
    border-radius: 0;
    border-bottom: 1px solid #E2E8F0;
    color: var(--navy);
    display: flex;
    align-items: center;
    gap: 12px;
    position: relative;
    transition: background .15s, color .15s, padding-left .15s;
  }
  .nav-links a:first-of-type { margin-top: 8px; }
  .nav-links a:not(.nav-cta)::before {
    content: '';
    width: 6px;
    height: 6px;
    background: #EF4444;
    border-radius: 50%;
    flex-shrink: 0;
    opacity: 0;
    transform: translateX(-8px);
    transition: opacity .2s, transform .2s;
  }
  .nav-links a:not(.nav-cta):hover,
  .nav-links a:not(.nav-cta):active,
  .nav-links a.active {
    background: #EFF6FF;
    color: var(--navy);
    padding-left: 28px;
  }
  .nav-links a:not(.nav-cta):hover::before,
  .nav-links a:not(.nav-cta):active::before,
  .nav-links a.active::before {
    opacity: 1;
    transform: translateX(0);
  }

  /* Apply Now CTA — prominent at bottom */
  .nav-links .nav-cta {
    margin: 20px 20px 24px;
    text-align: center;
    justify-content: center;
    padding: 16px 20px;
    font-size: .95rem;
    font-weight: 800;
    border-radius: 10px;
    border-bottom: none;
    background: linear-gradient(135deg, #EF4444 0%, #F87171 100%);
    color: #fff !important;
    box-shadow: 0 4px 16px rgba(239,68,68,.32);
  }
  .nav-links .nav-cta::before { display: none; }
  .nav-links .nav-cta:hover { padding: 16px 20px; background: linear-gradient(135deg, #DC2626 0%, #EF4444 100%); color: #fff; }

  /* Backdrop overlay */
  .nav-backdrop { position: fixed; inset: 0; background: rgba(12,74,110,.62); backdrop-filter: blur(3px); opacity: 0; visibility: hidden; transition: opacity .3s ease, visibility .3s ease; z-index: 1000; }
  .nav-backdrop.show { opacity: 1; visibility: visible; }

  body.nav-open { overflow: hidden; }
}

/* Very small phones — drawer takes 100% width */
@media (max-width: 480px) {
  .nav-links { width: 100vw !important; max-width: none; }
}

@media (max-width: 600px) {
  .section { padding: 48px 0; }
  .container { padding: 0 16px; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-stats { flex-direction: column; gap: 16px; }
  .hero-brand-star { font-size: clamp(3.2rem, 14vw, 4.8rem); }
  .hero-post-line { font-size: clamp(.95rem, 4vw, 1.4rem); }
  .trust-pill { font-size: .73rem; padding: 5px 10px; }
  .calc-result-grid { grid-template-columns: 1fr; }
  .state-grid { grid-template-columns: repeat(auto-fill, minmax(100px, 1fr)); }
}

/* ═══════════════════════════════════════════
   BACK TO TOP BUTTON
   ═══════════════════════════════════════════ */
.back-to-top {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, #EF4444 0%, #F87171 100%);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  border: none;
  cursor: pointer;
  box-shadow: 0 6px 20px rgba(239,68,68,.4), 0 2px 6px rgba(0,0,0,.12);
  opacity: 0;
  visibility: hidden;
  transform: translateY(20px);
  transition: opacity .3s ease, visibility .3s ease, transform .3s ease, background .2s ease;
  z-index: 998;
}
.back-to-top.visible { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top:hover { background: linear-gradient(135deg, #DC2626 0%, #EF4444 100%); transform: translateY(-2px); box-shadow: 0 10px 28px rgba(239,68,68,.5); }
.back-to-top:active { transform: translateY(0); }
.back-to-top svg { width: 22px; height: 22px; fill: none; stroke: #fff; stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; }

@media (max-width: 600px) {
  .back-to-top { width: 44px; height: 44px; bottom: 18px; right: 18px; }
  .back-to-top svg { width: 20px; height: 20px; }
}

/* ── E-E-A-T Expert Section ── */
.eeat-trust-bar { display:flex; gap:0; background:var(--navy); border-radius:var(--radius); overflow:hidden; margin-bottom:52px; }
.eeat-trust-item { flex:1; padding:20px 24px; text-align:center; border-right:1px solid rgba(255,255,255,.12); }
.eeat-trust-item:last-child { border-right:none; }
.eeat-trust-num { font-size:1.5rem; font-weight:800; color:var(--amber); display:block; line-height:1; }
.eeat-trust-label { font-size:.75rem; color:rgba(255,255,255,.65); margin-top:5px; display:block; }

.expert-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; margin-bottom:40px; }
.expert-card { background:var(--white); border:1px solid var(--border); border-radius:var(--radius); padding:28px 24px; text-align:center; position:relative; transition:box-shadow .2s,transform .2s; }
.expert-card:hover { box-shadow:var(--shadow); transform:translateY(-3px); }
.expert-card::before { content:''; position:absolute; top:0; left:0; right:0; height:4px; background:linear-gradient(90deg, var(--navy) 0%, var(--navy-mid) 100%); border-radius:var(--radius) var(--radius) 0 0; }
.expert-photo-wrap { width:96px; height:96px; border-radius:50%; overflow:hidden; margin:0 auto 16px; border:3px solid var(--border); position:relative; }
.expert-photo-wrap img { width:100%; height:100%; object-fit:cover; object-position:center top; }
.expert-verified { position:absolute; bottom:2px; right:2px; width:22px; height:22px; background:var(--green); border-radius:50%; border:2px solid #fff; display:flex; align-items:center; justify-content:center; font-size:.65rem; color:#fff; font-weight:800; }
.expert-name { font-size:1.05rem; font-weight:800; color:var(--navy); margin-bottom:4px; }
.expert-title { font-size:.78rem; font-weight:700; color:var(--amber-dark); text-transform:uppercase; letter-spacing:.06em; margin-bottom:12px; }
.expert-creds { display:flex; flex-direction:column; gap:5px; margin-bottom:14px; }
.expert-cred { display:flex; align-items:flex-start; gap:7px; font-size:.8rem; color:var(--text-muted); text-align:left; }
.expert-cred::before { content:'✓'; color:var(--green); font-weight:800; flex-shrink:0; font-size:.82rem; }
.expert-bio { font-size:.82rem; color:var(--text-muted); line-height:1.65; border-top:1px solid var(--border); padding-top:14px; text-align:left; }
.expert-reviewed-badge { display:inline-flex; align-items:center; gap:5px; background:var(--navy-light); border:1px solid var(--border); border-radius:20px; padding:5px 12px; font-size:.74rem; font-weight:700; color:var(--navy); margin-top:12px; }

.editorial-box { background:var(--slate-light); border:1px solid var(--border); border-left:4px solid var(--navy); border-radius:var(--radius-sm); padding:24px 28px; display:grid; grid-template-columns:auto 1fr; gap:20px; align-items:flex-start; }
.editorial-icon { width:44px; height:44px; background:var(--navy); border-radius:var(--radius-sm); display:flex; align-items:center; justify-content:center; font-size:1.3rem; flex-shrink:0; }
.editorial-box h4 { font-size:.95rem; color:var(--navy); margin-bottom:6px; }
.editorial-box p { font-size:.83rem; color:var(--text-muted); margin:0; line-height:1.7; }
.editorial-meta { display:flex; flex-wrap:wrap; gap:8px; margin-top:10px; }
.editorial-tag { display:inline-flex; align-items:center; gap:5px; background:var(--white); border:1px solid var(--border); border-radius:4px; padding:3px 10px; font-size:.75rem; font-weight:600; color:var(--navy); }

/* ── FAQ Section ── */
.faq-section-grid { display:grid; grid-template-columns:1fr 1fr; gap:12px; }
.faq-source-box { background:var(--white); border:1px solid var(--border); border-radius:var(--radius); padding:20px 24px; margin-top:36px; display:flex; gap:16px; align-items:center; }
.faq-source-icon { font-size:1.6rem; flex-shrink:0; }
.faq-source-box h4 { font-size:.9rem; color:var(--navy); margin-bottom:4px; }
.faq-source-box p { font-size:.82rem; color:var(--text-muted); margin:0; }

@media(max-width:900px){
  .expert-grid { grid-template-columns:1fr 1fr; }
  .eeat-trust-bar { flex-wrap:wrap; }
  .eeat-trust-item { flex:1 1 45%; border-right:none; border-bottom:1px solid rgba(255,255,255,.12); }
  .faq-section-grid { grid-template-columns:1fr; }
}
@media(max-width:600px){
  .expert-grid { grid-template-columns:1fr; }
  .editorial-box { grid-template-columns:1fr; }
}

/* ── Trustpilot Reviews Section ── */
.tp-header { display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:20px; margin-bottom:36px; }
.tp-overall { display:flex; align-items:center; gap:20px; background:var(--white); border:1px solid var(--border); border-radius:var(--radius); padding:20px 28px; }
.tp-score-big { font-size:3rem; font-weight:800; color:#00B67A; line-height:1; }
.tp-score-label { font-size:.78rem; color:var(--text-muted); margin-top:2px; }
.tp-stars-row { display:flex; gap:3px; margin:4px 0; }
.tp-star { width:18px; height:18px; }
.tp-count { font-size:.8rem; color:var(--text-muted); }
.tp-logo { display:flex; align-items:center; gap:8px; font-size:1.1rem; font-weight:800; color:#00B67A; }
.tp-logo-icon { width:28px; height:28px; background:#00B67A; border-radius:5px; display:flex; align-items:center; justify-content:center; color:#fff; font-size:1rem; font-weight:800; }
.tp-verified-badge { display:inline-flex; align-items:center; gap:6px; background:#F0FDF4; border:1px solid #A7F3D0; border-radius:20px; padding:5px 12px; font-size:.78rem; font-weight:700; color:#065F46; }

.reviews-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; margin-bottom:28px; }
.review-card { background:var(--white); border:1px solid var(--border); border-radius:var(--radius); padding:22px; display:flex; flex-direction:column; gap:12px; transition:box-shadow .2s; }
.review-card:hover { box-shadow:var(--shadow); }
.review-card.mixed { border-color:#FED7AA; border-top:3px solid #F97316; }
.review-card-top { display:flex; align-items:center; justify-content:space-between; }
.review-avatar { width:40px; height:40px; border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:.85rem; font-weight:800; color:#fff; flex-shrink:0; }
.review-meta { flex:1; padding-left:10px; }
.review-name { font-size:.88rem; font-weight:700; color:var(--navy); }
.review-loc { font-size:.74rem; color:var(--text-muted); }
.review-date { font-size:.72rem; color:var(--text-muted); }
.review-stars { display:flex; gap:2px; }
.review-star-svg { width:14px; height:14px; fill:#00B67A; }
.review-star-svg.half { fill:#FCD34D; }
.review-text { font-size:.86rem; color:var(--text); line-height:1.7; font-style:italic; flex:1; }
.review-text::before { content:'\201C'; font-size:1.2rem; color:var(--navy-mid); font-weight:800; line-height:0; vertical-align:-.3em; margin-right:2px; }
.review-text::after  { content:'\201D'; font-size:1.2rem; color:var(--navy-mid); font-weight:800; line-height:0; vertical-align:-.3em; margin-left:2px; }
.review-footer { display:flex; align-items:center; justify-content:space-between; border-top:1px solid var(--border); padding-top:10px; margin-top:auto; }
.review-source { font-size:.72rem; color:var(--text-muted); display:flex; align-items:center; gap:4px; }
.review-tag { font-size:.7rem; font-weight:700; padding:2px 8px; border-radius:20px; }
.tag-5star { background:#D1FAE5; color:#065F46; }
.tag-mixed { background:#FEF3C7; color:#92400E; }

.tp-cta-row { display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:16px; background:var(--slate-light); border-radius:var(--radius); padding:20px 24px; border:1px solid var(--border); }
.tp-cta-text { font-size:.88rem; color:var(--text-muted); }
.tp-cta-text strong { color:var(--navy); }
.tp-disclaimer { font-size:.72rem; color:var(--text-muted); margin-top:16px; line-height:1.6; }

@media(max-width:900px){ .reviews-grid { grid-template-columns:1fr 1fr; } }
@media(max-width:600px){ .reviews-grid { grid-template-columns:1fr; } .tp-header { flex-direction:column; } }

/* ── APIdiamond Apply Form Card ── */

/* form highlight pulse when scrolled to */
.apply-form-card.form-highlight {
  box-shadow: 0 0 0 4px rgba(239,68,68,.35), var(--shadow-lg);
  transition: box-shadow .3s ease;
}

.hero-content .btn-lg { padding: 13px 24px; font-size: .92rem; }

/* ═══════════════════════════════════════════
   HERO LAYOUT — LoanMax Style (Full-Bleed)
   Left: content panel | Right: form flush to edge
   ═══════════════════════════════════════════ */

/* ── Hero wrapper: full-width, viewport height ── */
.hero { padding: 0; min-height: calc(100vh - 48px); display: flex; flex-direction: column; }

/* ── hero-inner: full-width grid, NO container constraint ── */
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 0 44px;
  align-items: stretch;
  flex: 1;
}

/* ── Left panel: content centered vertically ── */
.hero-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 52px 48px 52px 0;
  max-width: 640px;
}

/* ── Eyebrow: dark capsule, ALL CAPS ── */
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,0,0,.35);
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 20px;
  padding: 5px 14px;
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .1em;
  color: rgba(255,255,255,.9);
  margin-bottom: 16px;
  text-transform: uppercase;
  width: fit-content;
}

/* ── Hero Headline: Lendly as dominant star word ── */
.hero-headline {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin: 0 0 14px;
  line-height: 1;
}
/* "Get Up to $2,000 via" — small intro line */
.hero-pre-line {
  font-size: clamp(.85rem, 1.5vw, 1rem);
  font-weight: 600;
  color: rgba(255,255,255,.72);
  letter-spacing: .02em;
  display: block;
  margin-bottom: 2px;
}
/* "LENDLY" — giant coral gradient, dominant */
.hero-brand-star {
  font-size: clamp(4rem, 9.5vw, 7rem);
  font-weight: 800;
  line-height: .92;
  letter-spacing: -.04em;
  background: linear-gradient(135deg, #EF4444 0%, #F87171 45%, #FCA5A5 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  filter: drop-shadow(0 0 32px rgba(239,68,68,.45));
  display: block;
  margin-bottom: 4px;
}
/* "Direct to Your Paycheck" — secondary white line */
.hero-post-line {
  font-size: clamp(1.15rem, 2.8vw, 2rem);
  font-weight: 800;
  color: #fff;
  letter-spacing: -.015em;
  display: block;
  line-height: 1.1;
}

/* ── Description ── */
.hero-sub {
  font-size: .88rem;
  color: rgba(255,255,255,.75);
  line-height: 1.65;
  margin-bottom: 0;
  max-width: 540px;
}

/* ── 5 Bullet Points with amber check circles ── */
.hero-bullets {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin: 14px 0 18px;
  padding: 0;
}
.hero-bullets li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .86rem;
  color: rgba(255,255,255,.88);
  line-height: 1.3;
}
.hero-bullets li::before {
  content: '\2713';
  width: 20px; height: 20px;
  min-width: 20px;
  background: var(--amber);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: .65rem;
  font-weight: 800;
  color: #fff;
  line-height: 1;
}

/* ── 4 Stat Boxes ── */
.hero-stat-boxes {
  display: flex;
  gap: 8px;
  margin-bottom: 20px;
  flex-wrap: wrap;
}
.stat-box {
  border: 1.5px solid rgba(255,255,255,.25);
  border-radius: 8px;
  padding: 9px 14px;
  text-align: center;
  min-width: 84px;
  background: rgba(0,0,0,.22);
  backdrop-filter: blur(6px);
}
.stat-val {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--amber);
  display: block;
  line-height: 1;
}
.stat-lbl {
  font-size: .58rem;
  color: rgba(255,255,255,.55);
  letter-spacing: .07em;
  text-transform: uppercase;
  margin-top: 3px;
  display: block;
}

/* ── 2 CTA Buttons ── */
.hero-btns {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.hero-btns .btn-primary {
  font-size: .85rem;
  font-weight: 800;
  letter-spacing: .05em;
  padding: 14px 24px;
  text-transform: uppercase;
  border-radius: 8px;
}
.btn-hero-outline {
  background: transparent;
  border: 2px solid rgba(255,255,255,.45);
  color: #fff;
  font-weight: 700;
  font-size: .85rem;
  letter-spacing: .05em;
  text-transform: uppercase;
  padding: 14px 24px;
  border-radius: 8px;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  transition: all .2s;
}
.btn-hero-outline:hover {
  background: rgba(255,255,255,.12);
  border-color: rgba(255,255,255,.8);
  color: #fff;
}

/* ── Right form panel: card style inside container ── */
.apply-form-card {
  width: 420px;
  min-height: 100%;
  border-radius: var(--radius-lg);
  box-shadow: 0 8px 40px rgba(0,0,0,.25), 0 2px 8px rgba(0,0,0,.12);
  border: none;
  align-self: stretch;
  display: flex;
  flex-direction: column;
  overflow: hidden;
}

/* ── Form header: LoanMax dark style ── */
.apply-form-header {
  background: #0C2240;
  padding: 14px 22px 12px;
  flex-shrink: 0;
}
.apply-form-title-row {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 7px;
}
.apply-lock-icon {
  font-size: .95rem;
  opacity: .85;
}
.apply-form-title-text {
  font-size: .75rem;
  font-weight: 800;
  letter-spacing: .1em;
  color: #fff;
  text-transform: uppercase;
}
.apply-form-trust-bar {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}
.apply-form-trust-bar span {
  font-size: .72rem;
  font-weight: 600;
  color: #4ADE80;
}
.apply-form-body {
  flex: 1;
  padding: 0;
  display: flex;
  flex-direction: column;
}
#_lg_form_ {
  width: 100% !important;
  flex: 1;
  min-height: 360px;
}
.apply-form-footer {
  padding: 10px 20px;
  background: #f8f9fa;
  border-top: 1px solid #e9ecef;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  flex-shrink: 0;
}
.apply-form-footer p { font-size: .68rem; color: #888; margin: 0; }
.apply-security-badges { display: flex; gap: 12px; }
.apply-sec-badge { font-size: .68rem; font-weight: 700; color: #444; }

/* ── Mobile ── */
@media (max-width: 960px) {
  .hero-inner {
    grid-template-columns: 1fr;
    padding-left: 20px;
    padding-right: 20px;
  }
  .hero-content { padding: 44px 0 28px; max-width: 100%; }
  .apply-form-card {
    width: 100%;
    border-radius: 12px;
    margin: 0 0 36px;
    box-shadow: var(--shadow-lg);
    min-height: auto;
    overflow: hidden;
  }
  .hero-brand-star { font-size: clamp(3.2rem, 14vw, 4.8rem); }
  .hero-post-line { font-size: clamp(.95rem, 4vw, 1.4rem); }
  .hero-stat-boxes { gap: 6px; }
  .stat-box { min-width: 72px; padding: 8px 10px; }
}
@media (max-width: 480px) {
  .hero-inner { padding-left: 16px; padding-right: 16px; }
  .hero-brand-star { font-size: 3rem; }
  .hero-post-line { font-size: .9rem; }
  .stat-box { min-width: 60px; }
  .hero-btns { flex-direction: column; }
  .hero-btns .btn-primary, .btn-hero-outline { width: 100%; justify-content: center; text-align: center; }
}

/* ── Apply Form Card — exact match to score card dimensions (420×540px) ── */
.apply-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: 0 8px 40px rgba(2,132,199,.22), 0 2px 8px rgba(0,0,0,.08);
  overflow: hidden;
  width: 420px;
  min-height: 540px;
  display: flex;
  flex-direction: column;
  border: 1.5px solid rgba(255,255,255,.3);
  position: relative;
  z-index: 2;
  flex-shrink: 0;
}


/* Form body fills remaining card height */
.apply-form-body {
  flex: 1;
  padding: 0;
  display: flex;
  flex-direction: column;
  min-height: 380px;
}
#_lg_form_ {
  width: 100% !important;
  flex: 1;
  min-height: 360px;
}

.apply-form-footer {
  padding: 10px 20px;
  background: var(--slate-light);
  border-top: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  flex-wrap: wrap;
  flex-shrink: 0;
}
.apply-form-footer p { font-size: .7rem; color: var(--text-muted); margin: 0; }
.apply-security-badges { display: flex; gap: 12px; }
.apply-sec-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: .7rem;
  font-weight: 700;
  color: var(--navy);
}

/* Mobile: full width */
@media (max-width: 900px) {
  .apply-form-card { width: 100%; min-height: auto; margin-top: 32px; flex-shrink: 1; }
  #_lg_form_ { min-height: 300px; }
}
/* form highlight pulse when scrolled to */
.apply-form-card.form-highlight {
  box-shadow: 0 0 0 4px rgba(239,68,68,.35), var(--shadow-lg);
  transition: box-shadow .3s ease;
}

.hero-content .btn-lg { padding: 13px 24px; font-size: .92rem; }

/* ═══════════════════════════════════════════
   NEW HERO LAYOUT — Image-Matched (LoanMax style)
   ═══════════════════════════════════════════ */

/* Hero grid: wider left (65%) / form panel right (35%) */
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 0 52px;
  align-items: stretch;
  padding-top: 0;
}

/* Hero section padding reset */
.hero { padding: 0; }
.hero-content {
  padding: 56px 0 56px 0;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

/* Eyebrow: CAPS style */
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.25);
  border-radius: 20px;
  padding: 5px 14px;
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .08em;
  color: rgba(255,255,255,.9);
  margin-bottom: 18px;
  text-transform: uppercase;
  width: fit-content;
}

/* Brand Row: "Apply for a [Lendly] Loan" */
.hero-brand-row {
  font-size: clamp(.95rem, 1.8vw, 1.2rem);
  font-weight: 700;
  color: rgba(255,255,255,.82);
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 10px;
}
.hero-brand-box {
  background: var(--amber);
  color: #fff;
  padding: 4px 14px;
  border-radius: 6px;
  font-weight: 800;
  font-size: 1.05em;
  letter-spacing: -.01em;
}

/* Big 2-line Headline */
.hero-headline {
  font-size: clamp(2.2rem, 4.8vw, 3.8rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.08;
  letter-spacing: -.02em;
  margin: 0 0 14px;
}
.hero-hl-amount {
  background: linear-gradient(135deg, #EF4444 0%, #F87171 50%, #FCA5A5 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* Description */
.hero-sub {
  font-size: .9rem;
  color: rgba(255,255,255,.78);
  line-height: 1.65;
  margin-bottom: 0;
  max-width: 560px;
}

/* 5 Bullet Points */
.hero-bullets {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 9px;
  margin: 16px 0 20px;
  padding: 0;
}
.hero-bullets li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .88rem;
  color: rgba(255,255,255,.9);
  line-height: 1.35;
}
.hero-bullets li::before {
  content: '\2713';
  width: 20px;
  height: 20px;
  background: var(--amber);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .68rem;
  font-weight: 800;
  color: #fff;
  flex-shrink: 0;
  line-height: 1;
}

/* 4 Stat Boxes */
.hero-stat-boxes {
  display: flex;
  gap: 8px;
  margin-bottom: 22px;
  flex-wrap: wrap;
}
.stat-box {
  border: 1.5px solid rgba(255,255,255,.28);
  border-radius: 8px;
  padding: 10px 16px;
  text-align: center;
  min-width: 86px;
  background: rgba(255,255,255,.06);
  backdrop-filter: blur(4px);
}
.stat-val {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--amber);
  display: block;
  line-height: 1;
}
.stat-lbl {
  font-size: .6rem;
  color: rgba(255,255,255,.6);
  letter-spacing: .07em;
  text-transform: uppercase;
  margin-top: 4px;
  display: block;
}

/* 2 Hero CTA Buttons */
.hero-btns {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.hero-btns .btn-primary {
  font-size: .88rem;
  font-weight: 800;
  letter-spacing: .04em;
  padding: 14px 26px;
}
.btn-hero-outline {
  background: transparent;
  border: 2px solid rgba(255,255,255,.55);
  color: #fff;
  font-weight: 700;
  font-size: .88rem;
  letter-spacing: .04em;
  padding: 14px 26px;
  border-radius: var(--radius-sm);
}
.btn-hero-outline:hover {
  background: rgba(255,255,255,.12);
  color: #fff;
  border-color: rgba(255,255,255,.85);
}

/* Form panel: stretch full hero height, panel-like */
.apply-form-card {
  border-radius: var(--radius-lg) var(--radius-lg) var(--radius-lg) var(--radius-lg);
  align-self: stretch;
  width: 420px;
  min-height: auto;
  box-shadow: -4px 0 32px rgba(0,0,0,.18), var(--shadow-lg);
}

/* Mobile */
@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; gap: 0; }
  .hero-content { padding: 48px 0 32px; }
  .apply-form-card { width: 100%; border-radius: var(--radius-lg); margin-bottom: 40px; }
  .hero-headline { font-size: clamp(2rem, 7vw, 2.8rem); }
  .hero-stat-boxes { gap: 6px; }
  .stat-box { min-width: 76px; padding: 8px 12px; }
}

/* ═══════════════════════════════════════════
   NEW CONTENT SECTIONS — SEO BOOST
   ═══════════════════════════════════════════ */

/* ── Image+text Section ── */
.feature-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
  margin-top: 28px;
}
.feature-section.reverse { grid-template-columns: 1fr 1fr; }
.feature-section.reverse .feature-image { order: 2; }
.feature-image {
  background: var(--white);
  border-radius: 16px;
  padding: 24px;
  border: 1px solid var(--border);
  box-shadow: 0 8px 32px rgba(2,132,199,.08);
}
.feature-image img { width: 100%; height: auto; display: block; border-radius: 8px; }
.feature-content h2 {
  margin-bottom: 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
.feature-content h2 .h2-badge {
  background: linear-gradient(135deg, #EF4444, #F87171);
  color: #fff;
  font-size: .7rem;
  font-weight: 800;
  padding: 4px 12px;
  border-radius: 20px;
  letter-spacing: .06em;
  text-transform: uppercase;
}
.feature-content p { color: var(--text); font-size: .96rem; line-height: 1.8; margin-bottom: 14px; }
.feature-content p:last-of-type { margin-bottom: 0; }
.feature-content strong { color: var(--navy); font-weight: 700; }

/* ── Step List (How It Works) ── */
.step-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-top: 22px;
}
.step-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 14px 18px;
  background: #F0F9FF;
  border-radius: 10px;
  border-left: 4px solid #0369A1;
}
.step-num {
  width: 34px;
  height: 34px;
  background: linear-gradient(135deg, #EF4444, #F87171);
  color: #fff;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1rem;
  flex-shrink: 0;
}
.step-title { font-size: .95rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.step-desc { font-size: .86rem; color: var(--text-muted); line-height: 1.6; }

/* ── Persona Cards (Who Should Use) ── */
.persona-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  margin-top: 22px;
}
.persona-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px;
  background: var(--white);
  border-radius: 10px;
  border: 1px solid var(--border);
}
.persona-icon {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, #0369A1, #0EA5E9);
  color: #fff;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.persona-item h4 { font-size: .9rem; color: var(--navy); margin-bottom: 4px; font-weight: 700; }
.persona-item p { font-size: .82rem; color: var(--text-muted); margin: 0; line-height: 1.5; }

/* ── Comparison Bullets ── */
.compare-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 22px;
}
.compare-col {
  background: var(--white);
  border-radius: 10px;
  padding: 18px;
  border: 1px solid var(--border);
}
.compare-col.danger { border-top: 4px solid #EF4444; }
.compare-col.success { border-top: 4px solid #10B981; }
.compare-col h4 { font-size: .9rem; margin-bottom: 12px; font-weight: 800; letter-spacing: .04em; }
.compare-col.danger h4 { color: #B91C1C; }
.compare-col.success h4 { color: #059669; }
.compare-col ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 8px; }
.compare-col ul li { font-size: .85rem; color: var(--text); padding-left: 22px; position: relative; line-height: 1.5; }
.compare-col.danger ul li::before { content: '✗'; position: absolute; left: 0; color: #EF4444; font-weight: 800; }
.compare-col.success ul li::before { content: '✓'; position: absolute; left: 0; color: #10B981; font-weight: 800; }

/* ── Tips Grid ── */
.tips-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 22px;
}
.tip-card {
  background: var(--white);
  padding: 16px 18px;
  border-radius: 10px;
  border: 1px solid var(--border);
  border-left: 4px solid #F59E0B;
}
.tip-card h4 { font-size: .88rem; color: var(--navy); margin-bottom: 6px; display: flex; gap: 8px; align-items: center; }
.tip-card .tip-num { background: #FEF3C7; color: #92400E; font-size: .68rem; padding: 2px 7px; border-radius: 12px; font-weight: 800; }
.tip-card p { font-size: .82rem; color: var(--text-muted); line-height: 1.6; margin: 0; }

/* ── Responsive ── */
@media (max-width: 900px) {
  .feature-section, .feature-section.reverse { grid-template-columns: 1fr; gap: 28px; }
  .feature-section.reverse .feature-image { order: 0; }
  .persona-grid, .compare-cols, .tips-grid { grid-template-columns: 1fr; }
}

/* ── Editorial Team Card (E-E-A-T honest version) ── */
.editorial-team-card {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 32px;
  background: linear-gradient(135deg, #fff 0%, #F0F9FF 100%);
  border: 1px solid #DBEAFE;
  border-radius: 16px;
  padding: 40px 44px;
  margin: 32px 0;
  box-shadow: 0 8px 32px rgba(2,132,199,.08);
}
.editorial-team-icon {
  width: 88px;
  height: 88px;
  border-radius: 18px;
  background: linear-gradient(135deg, #0369A1 0%, #0EA5E9 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 8px 20px rgba(3,105,161,.32);
}
.editorial-team-label {
  display: inline-block;
  background: var(--amber);
  color: #fff;
  font-size: .72rem;
  font-weight: 800;
  padding: 4px 12px;
  border-radius: 20px;
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.editorial-team-name {
  font-size: 1.5rem;
  color: var(--navy);
  font-weight: 800;
  margin: 0 0 12px;
}
.editorial-team-desc {
  font-size: .96rem;
  color: #334155;
  line-height: 1.75;
  margin-bottom: 24px;
}
.editorial-team-pillars {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 24px;
}
.pillar {
  background: #fff;
  border-radius: 10px;
  padding: 16px 18px;
  border: 1px solid #E2E8F0;
}
.pillar strong {
  display: block;
  color: var(--navy);
  font-size: .9rem;
  font-weight: 700;
  margin-bottom: 6px;
}
.pillar p {
  font-size: .82rem;
  color: #475569;
  line-height: 1.6;
  margin: 0;
}
.editorial-team-quote {
  background: var(--navy);
  color: #fff;
  border-radius: 10px;
  padding: 22px 26px;
  font-size: .94rem;
  line-height: 1.75;
  font-style: italic;
  position: relative;
  margin-bottom: 18px;
  border-left: 4px solid var(--amber);
}
.editorial-team-quote cite {
  display: block;
  font-style: normal;
  font-size: .8rem;
  color: rgba(255,255,255,.7);
  font-weight: 700;
  letter-spacing: .04em;
  margin-top: 12px;
}
.editorial-team-meta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px 12px;
  font-size: .84rem;
  color: #475569;
}
.editorial-team-meta a { color: #0369A1; font-weight: 700; }
.editorial-team-meta a:hover { color: #EF4444; }

@media (max-width: 768px) {
  .editorial-team-card { grid-template-columns: 1fr; gap: 22px; padding: 28px 22px; }
  .editorial-team-icon { width: 64px; height: 64px; }
  .editorial-team-pillars { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════
   PREMIUM UX ENHANCEMENTS — Tier 1+2+3
   ═══════════════════════════════════════════ */

/* ── 1. Reading Progress Bar ── */
.reading-progress {
  position: fixed; top: 0; left: 0;
  height: 3px; width: 0%;
  background: linear-gradient(90deg, #EF4444 0%, #F87171 50%, #EF4444 100%);
  z-index: 9999;
  transition: width .1s ease-out;
  box-shadow: 0 0 12px rgba(239,68,68,.4);
}

/* ── 2. Animated Stat Counters ── (visual only, animation via JS) */
.counter-animate { display: inline-block; }

/* ── 3. Sticky Bottom CTA Bar (mobile) ── */
.sticky-cta-bar {
  position: fixed; bottom: 0; left: 0; right: 0;
  background: rgba(255,255,255,.97);
  backdrop-filter: blur(12px);
  border-top: 1px solid #DBEAFE;
  padding: 12px 16px;
  z-index: 990;
  display: none;
  align-items: center;
  gap: 12px;
  box-shadow: 0 -4px 20px rgba(2,132,199,.12);
  transform: translateY(100%);
  transition: transform .35s cubic-bezier(.4,0,.2,1);
}
.sticky-cta-bar.visible { transform: translateY(0); }
.sticky-cta-text { flex: 1; line-height: 1.3; }
.sticky-cta-text strong { display: block; font-size: .95rem; color: var(--navy); font-weight: 800; }
.sticky-cta-text span { font-size: .72rem; color: var(--text-muted); }
.sticky-cta-bar .btn { padding: 11px 18px; font-size: .85rem; font-weight: 800; }
@media (max-width: 768px) {
  .sticky-cta-bar { display: flex; }
  body { padding-bottom: 80px; }
  .back-to-top { bottom: 90px; }
}

/* ── 4. Side TOC (Table of Contents) ── */
.side-toc {
  position: fixed;
  top: 100px;
  left: 16px;
  width: 220px;
  max-height: calc(100vh - 140px);
  overflow-y: auto;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(8px);
  border: 1px solid #DBEAFE;
  border-radius: 12px;
  padding: 18px 18px 14px;
  z-index: 95;
  box-shadow: 0 4px 24px rgba(2,132,199,.1);
  display: none;
}
.side-toc.show { display: block; }
.side-toc-title { font-size: .68rem; font-weight: 800; letter-spacing: .12em; color: #0369A1; text-transform: uppercase; margin-bottom: 12px; }
.side-toc ul { list-style: none; padding: 0; margin: 0; }
.side-toc li { margin-bottom: 6px; }
.side-toc a { display: block; padding: 6px 10px; border-radius: 6px; font-size: .82rem; color: #475569; text-decoration: none; line-height: 1.4; transition: all .15s; border-left: 2px solid transparent; }
.side-toc a:hover, .side-toc a.active { background: #EFF6FF; color: var(--navy); border-left-color: #EF4444; padding-left: 14px; }
@media (max-width: 1340px) { .side-toc { display: none !important; } }

/* ── 5. Interactive APR Comparator ── */
.apr-comparator {
  background: linear-gradient(135deg, #fff 0%, #F0F9FF 100%);
  border: 1px solid #DBEAFE;
  border-radius: 16px;
  padding: 36px 40px;
  margin: 32px 0;
  box-shadow: 0 8px 36px rgba(2,132,199,.08);
}
.apr-comparator-title { display: flex; align-items: center; gap: 12px; margin-bottom: 8px; }
.apr-comparator-title h3 { font-size: 1.25rem; color: var(--navy); margin: 0; font-weight: 800; }
.apr-comparator-sub { font-size: .92rem; color: var(--text-muted); margin-bottom: 24px; }
.apr-slider-group { margin-bottom: 18px; }
.apr-slider-label { display: flex; justify-content: space-between; font-size: .85rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.apr-slider-label .val { background: var(--amber); color: #fff; padding: 3px 12px; border-radius: 12px; font-size: .8rem; }
.apr-slider { width: 100%; height: 8px; border-radius: 4px; background: #DBEAFE; outline: none; appearance: none; -webkit-appearance: none; }
.apr-slider::-webkit-slider-thumb { appearance: none; -webkit-appearance: none; width: 20px; height: 20px; background: var(--amber); border-radius: 50%; cursor: pointer; box-shadow: 0 2px 8px rgba(239,68,68,.4); }
.apr-slider::-moz-range-thumb { width: 20px; height: 20px; background: var(--amber); border: none; border-radius: 50%; cursor: pointer; }
.apr-results { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin-top: 22px; }
.apr-result-card { background: #fff; border-radius: 10px; padding: 16px; text-align: center; border: 2px solid #E2E8F0; transition: transform .2s, box-shadow .2s; }
.apr-result-card.winner { border-color: #10B981; box-shadow: 0 4px 16px rgba(16,185,129,.18); transform: translateY(-2px); }
.apr-result-card.danger { border-color: #FCA5A5; }
.apr-result-name { font-size: .72rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--text-muted); margin-bottom: 6px; }
.apr-result-cost { font-size: 1.4rem; font-weight: 800; color: var(--navy); line-height: 1; margin-bottom: 4px; }
.apr-result-detail { font-size: .72rem; color: var(--text-muted); }
.apr-result-card.winner .apr-result-name { color: #059669; }
.apr-result-card.danger .apr-result-cost { color: #B91C1C; }
.apr-savings-banner { background: #D1FAE5; border-radius: 10px; padding: 12px 18px; margin-top: 18px; font-size: .9rem; color: #065F46; font-weight: 700; text-align: center; }

/* ── 6. SVG Icons (replace emoji) ── */
.icon-svg { width: 24px; height: 24px; stroke: currentColor; stroke-width: 2; fill: none; stroke-linecap: round; stroke-linejoin: round; display: inline-block; vertical-align: middle; flex-shrink: 0; }
.icon-svg-lg { width: 32px; height: 32px; }
.icon-svg-sm { width: 18px; height: 18px; }

/* ── 7. Scroll-Triggered Animations ── */
.scroll-fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .7s ease-out, transform .7s ease-out;
}
.scroll-fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}
.scroll-fade-in.delay-1 { transition-delay: .1s; }
.scroll-fade-in.delay-2 { transition-delay: .2s; }
.scroll-fade-in.delay-3 { transition-delay: .3s; }
@media (prefers-reduced-motion: reduce) {
  .scroll-fade-in { opacity: 1; transform: none; transition: none; }
}

/* ── 8. Glassmorphism Effects ── */
.apply-form-card { backdrop-filter: blur(20px) saturate(180%); background: rgba(255,255,255,.92); }
.verdict-box { backdrop-filter: blur(8px); }

/* ── 9. Better Hover States ── */
.card, .review-card, .sitemap-card, .feature-image {
  transition: transform .25s cubic-bezier(.4,0,.2,1), box-shadow .25s ease, border-color .2s;
}
.card:hover, .review-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 36px rgba(2,132,199,.15);
  border-color: #BFDBFE;
}
a:not(.btn):not(.nav-logo) { position: relative; }
.feature-content a:not(.btn), .legal-content a, .tip-card a {
  background-image: linear-gradient(currentColor, currentColor);
  background-size: 0% 1.5px;
  background-position: 0 100%;
  background-repeat: no-repeat;
  transition: background-size .3s ease;
}
.feature-content a:not(.btn):hover, .legal-content a:hover, .tip-card a:hover {
  background-size: 100% 1.5px;
}

/* ── 10. Trust Logos Strip ── */
.trust-logos-strip {
  background: linear-gradient(180deg, #fff 0%, #F0F9FF 100%);
  border-top: 1px solid #DBEAFE;
  border-bottom: 1px solid #DBEAFE;
  padding: 24px 0;
  text-align: center;
}
.trust-logos-strip-label {
  font-size: .68rem;
  font-weight: 800;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: #64748B;
  margin-bottom: 14px;
}
.trust-logos-list {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 36px;
  flex-wrap: wrap;
}
.trust-logo-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .82rem;
  font-weight: 700;
  color: #475569;
  letter-spacing: .02em;
}
.trust-logo-icon {
  width: 28px; height: 28px;
  display: flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, #0369A1, #0EA5E9);
  border-radius: 6px;
  color: #fff;
  font-weight: 800;
  font-size: .7rem;
}
@media (max-width: 600px) {
  .trust-logos-list { gap: 18px; }
  .trust-logo-item { font-size: .75rem; }
}

/* ── 13. Reading Time Badge ── */
.reading-time-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,.15);
  border: 1px solid rgba(255,255,255,.25);
  border-radius: 20px;
  padding: 4px 12px;
  font-size: .72rem;
  font-weight: 700;
  color: rgba(255,255,255,.95);
  letter-spacing: .04em;
}
.legal-header .reading-time-badge { margin-left: 12px; }

/* ── 14. Dark Mode Support ── */
[data-theme="dark"] {
  --white: #1a1f2e;
  --slate-light: #0f1420;
  --border: #2a3144;
  --text: #cbd5e1;
  --text-muted: #94a3b8;
}
[data-theme="dark"] body { background: #0f1420; color: #cbd5e1; }
[data-theme="dark"] .section { background: #0f1420; }
[data-theme="dark"] .section--gray { background: #161b29; }
[data-theme="dark"] .card,
[data-theme="dark"] .review-card,
[data-theme="dark"] .feature-image,
[data-theme="dark"] .tip-card,
[data-theme="dark"] .step-item,
[data-theme="dark"] .persona-item,
[data-theme="dark"] .compare-col { background: #1a1f2e; border-color: #2a3144; color: #cbd5e1; }
[data-theme="dark"] h1, [data-theme="dark"] h2, [data-theme="dark"] h3, [data-theme="dark"] h4 { color: #f1f5f9; }
[data-theme="dark"] .nav { background: #0f1420; border-bottom-color: #2a3144; }
[data-theme="dark"] .nav-links a { color: #cbd5e1; }
[data-theme="dark"] .nav-links a:hover { background: #1a1f2e; color: #fff; }
[data-theme="dark"] .footer { background: #050911; }
[data-theme="dark"] .apply-form-card { background: rgba(26,31,46,.95); }
[data-theme="dark"] .reading-progress { box-shadow: 0 0 16px rgba(239,68,68,.6); }
[data-theme="dark"] .sticky-cta-bar { background: rgba(15,20,32,.97); border-top-color: #2a3144; }
[data-theme="dark"] .sticky-cta-text strong { color: #fff; }
[data-theme="dark"] .legal-content,
[data-theme="dark"] .editorial-team-card { background: #1a1f2e; border-color: #2a3144; }
[data-theme="dark"] .legal-content h2 { color: #f1f5f9; }
[data-theme="dark"] .legal-content p { color: #cbd5e1; }
[data-theme="dark"] .legal-toc { background: #1a1f2e; border-color: #2a3144; }

/* Dark mode toggle button */
.theme-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: transparent;
  border: 1px solid var(--border);
  cursor: pointer;
  margin-right: 8px;
  color: var(--navy);
  transition: all .2s;
}
.theme-toggle:hover { background: var(--slate-light); border-color: var(--text-muted); }
.theme-toggle svg { width: 18px; height: 18px; fill: currentColor; }
[data-theme="dark"] .theme-toggle { color: #fcd34d; border-color: #2a3144; }
[data-theme="dark"] .theme-toggle:hover { background: #1a1f2e; }

/* Desktop: show only the toggle OUTSIDE nav-links */
.nav-links .theme-toggle { display: none; }

/* Mobile/Tablet: hide outer toggle, show only the one inside nav-links drawer */
@media (max-width: 1023px) {
  .nav-inner > .theme-toggle { display: none; }
  .nav-links .theme-toggle {
    display: inline-flex;
    width: 100%;
    height: 44px;
    border-radius: 8px;
    justify-content: flex-start;
    padding: 0 16px;
    gap: 10px;
    margin: 4px 0 12px;
    font-size: .95rem;
    font-weight: 600;
    border-color: #E2E8F0;
  }
  .nav-links .theme-toggle::after { content: 'Toggle Theme'; }
}


/* Footer column titles (semantically H3, visually compact) */
.footer-col-title { font-size: .9rem; font-weight: 700; color: #fff; margin-bottom: 14px; letter-spacing: .03em; }