/* ==========================================================================
   CashToday.co.za — Modern Fintech (Emerald) Design System
   Layout V2 · Color A — Emerald Green + Gold accent
   ========================================================================== */

:root {
  --em: #059669;            /* emerald primary */
  --em-dark: #047857;       /* emerald dark (text on light) */
  --em2: #0891b2;           /* cyan secondary (gradient partner) */
  --em-soft: #ecfdf5;
  --em-soft2: #f0fdfa;
  --em-tint: #d1fae5;
  --gold: #fbbf24;
  --gold-dark: #f59e0b;
  --ink: #04231d;           /* deep green-navy */
  --ink2: #062f26;
  --body: #3f5852;
  --muted: #64837a;
  --border: #dcece6;
  --bg: #f6fbf9;
  --white: #ffffff;
  --red: #ef4444;
  --grad: linear-gradient(135deg, var(--em), var(--em2));
  --radius: 18px;
  --radius-lg: 26px;
  --shadow: 0 2px 8px rgba(4, 35, 29, .06), 0 8px 30px rgba(4, 35, 29, .07);
  --shadow-lg: 0 24px 60px rgba(4, 35, 29, .14);
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-head: 'Space Grotesk', 'Inter', sans-serif;
}

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

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  color: var(--body);
  background: var(--white);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

/* Prevent long words / URLs from forcing horizontal scroll on small screens */
p, li, a, h1, h2, h3, h4, td, th, span, strong { overflow-wrap: break-word; }

h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--ink);
  line-height: 1.18;
  font-weight: 700;
  letter-spacing: -.015em;
}

a { color: var(--em); text-decoration: none; }
a:hover { text-decoration: underline; }

img, svg { vertical-align: middle; }

.container { max-width: 1140px; margin: 0 auto; padding: 0 20px; }

.section { padding: 76px 0; }
.section--alt { background: var(--bg); }
.section-head { text-align: center; max-width: 660px; margin: 0 auto 50px; }
.section-head .tag {
  display: inline-block;
  color: var(--em);
  background: var(--em-tint);
  font-size: .78rem;
  font-weight: 700;
  padding: 5px 16px;
  border-radius: 99px;
  margin-bottom: 14px;
  letter-spacing: .06em;
}
.section-head h2 { font-size: 2.15rem; margin-bottom: 12px; }
.section-head p { color: var(--muted); font-size: 1.04rem; }

/* --------------------------------------------------------------------------
   Buttons
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 1rem;
  border: none;
  border-radius: 99px;
  padding: 15px 30px;
  cursor: pointer;
  transition: all .18s ease;
  text-decoration: none !important;
}

.btn--primary {
  background: var(--grad);
  color: #fff;
  box-shadow: 0 8px 24px rgba(5, 150, 105, .38);
}
.btn--primary:hover { transform: translateY(-2px); box-shadow: 0 12px 30px rgba(5, 150, 105, .48); }

.btn--gold {
  background: var(--gold);
  color: var(--ink);
  box-shadow: 0 8px 24px rgba(251, 191, 36, .35);
}
.btn--gold:hover { background: #fcd34d; transform: translateY(-2px); }

.btn--outline {
  background: transparent;
  color: var(--em);
  border: 2px solid var(--em);
}
.btn--outline:hover { background: var(--em-soft); }

.btn--lg { padding: 17px 36px; font-size: 1.06rem; width: 100%; }
.btn--sm { padding: 11px 24px; font-size: .9rem; }

/* Buttons must keep their own text colour everywhere, even inside contexts
   that set a link colour (.nav a, .footer a, .prose a, etc.). !important
   guarantees it wins regardless of source order or context specificity. */
a.btn--primary, a.btn--primary:hover, a.btn--primary:focus { color: #fff !important; border-bottom: none !important; }
a.btn--gold, a.btn--gold:hover, a.btn--gold:focus { color: var(--ink) !important; border-bottom: none !important; }
a.btn--outline, a.btn--outline:hover, a.btn--outline:focus { color: var(--em) !important; border-bottom: none !important; }

/* --------------------------------------------------------------------------
   Header
   -------------------------------------------------------------------------- */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: #ffffff;
  border-bottom: 1px solid var(--border);
}

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-head);
  font-size: 1.32rem;
  font-weight: 700;
  color: var(--ink);
  text-decoration: none !important;
}
.logo__mark {
  width: 38px;
  height: 38px;
  flex-shrink: 0;
  display: inline-block;
}
.logo__mark svg { width: 100%; height: 100%; display: block; }
.logo b { color: var(--em); font-weight: 700; margin-left: -10px; }
.logo small { display: none; }

.nav { display: flex; align-items: center; gap: 26px; }
.nav a {
  color: var(--body);
  font-weight: 600;
  font-size: .93rem;
  text-decoration: none !important;
}
.nav a:hover { color: var(--em); }
.nav .btn { margin-left: 8px; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2.5px;
  background: var(--ink);
  margin: 5px 0;
  border-radius: 2px;
}

/* --------------------------------------------------------------------------
   Hero
   -------------------------------------------------------------------------- */
.hero {
  background:
    radial-gradient(1000px 500px at 82% -10%, rgba(8, 145, 178, .30), transparent),
    radial-gradient(800px 520px at 8% 112%, rgba(5, 150, 105, .40), transparent),
    var(--ink);
  color: #b8d6cd;
  padding: 76px 0 92px;
  position: relative;
  overflow: hidden;
}

.hero__grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero .chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(251, 191, 36, .14);
  border: 1px solid rgba(251, 191, 36, .3);
  color: var(--gold);
  font-size: .8rem;
  font-weight: 700;
  padding: 7px 16px;
  border-radius: 99px;
  margin-bottom: 20px;
}

.hero h1 {
  color: #fff;
  font-size: 3rem;
  margin-bottom: 18px;
  letter-spacing: -.02em;
}
.hero h1 .grad {
  background: linear-gradient(90deg, #6ee7b7, #a5f3fc);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.hero p.lead { font-size: 1.12rem; margin-bottom: 28px; max-width: 470px; }

.hero__pills { display: flex; flex-wrap: wrap; gap: 10px; list-style: none; }
.hero__pills li {
  background: rgba(255, 255, 255, .08);
  border: 1px solid rgba(255, 255, 255, .14);
  border-radius: 99px;
  padding: 8px 16px;
  font-size: .84rem;
  font-weight: 600;
  color: #dcefe9;
}

/* --------------------------------------------------------------------------
   Glass calculator card + form
   -------------------------------------------------------------------------- */
.calc-card {
  background: rgba(6, 42, 34, .55);
  border: 1px solid rgba(255, 255, 255, .18);
  border-radius: 28px;
  padding: 32px;
  box-shadow: 0 30px 80px rgba(0, 0, 0, .35);
  color: #b8d6cd;
}
.calc-card h2 {
  color: #fff;
  font-size: 1.3rem;
  margin-bottom: 4px;
}
.calc-card .calc-sub { font-size: .86rem; color: #8fb3a8; margin-bottom: 24px; }

.calc-row { margin-bottom: 22px; }
.calc-row__label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 10px;
  margin-bottom: 10px;
  font-weight: 600;
  color: #dcefe9;
  font-size: .9rem;
}
.calc-row__label > span:first-child { flex-shrink: 0; }
.calc-row__value {
  color: var(--gold);
  font-size: 1.18rem;
  font-weight: 700;
  text-align: right;
  white-space: nowrap;
  font-family: var(--font-head);
  font-variant-numeric: tabular-nums;
}

input[type="range"] {
  width: 100%;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  background: rgba(255, 255, 255, .18);
  border-radius: 99px;
  outline: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--gold);
  border: none;
  box-shadow: 0 0 0 5px rgba(251, 191, 36, .25);
  cursor: grab;
}
input[type="range"]::-moz-range-thumb {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--gold);
  border: none;
  box-shadow: 0 0 0 5px rgba(251, 191, 36, .25);
  cursor: grab;
}
.calc-row__scale {
  display: flex;
  justify-content: space-between;
  font-size: .74rem;
  color: #7a9c91;
  margin-top: 6px;
}

.calc-estimate {
  background: rgba(251, 191, 36, .1);
  border: 1px solid rgba(251, 191, 36, .25);
  border-radius: 16px;
  padding: 16px 20px;
  margin-bottom: 22px;
}
.calc-estimate__main {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  color: #dcefe9;
  font-weight: 600;
  font-size: .92rem;
}
.calc-estimate__main strong {
  color: var(--gold);
  font-size: 1.4rem;
  font-family: var(--font-head);
  font-variant-numeric: tabular-nums;
}
.calc-estimate__note { font-size: .74rem; color: #8fb3a8; margin-top: 5px; }

.calc-secure {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  font-size: .76rem;
  color: #7a9c91;
  margin-top: 14px;
}

/* Multi-step form (on glass) */
.form-step { display: none; }
.form-step.is-active { display: block; animation: fadeUp .3s ease; }

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 16px; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field--full { grid-column: 1 / -1; }
.form-field label { font-size: .82rem; font-weight: 600; color: #dcefe9; }
.req-star { color: #fca5a5; font-weight: 700; }
.opt-label { color: #7a9c91; font-weight: 400; font-style: italic; }
.form-field input,
.form-field select {
  font-family: var(--font-body);
  font-size: .95rem;
  padding: 12px 15px;
  border: 1.5px solid rgba(255, 255, 255, .18);
  border-radius: 14px;
  background: rgba(255, 255, 255, .08);
  color: #fff;
  transition: border-color .15s, background .15s;
  width: 100%;
}
.form-field input::placeholder { color: #7a9c91; }
.form-field select { color: #dcefe9; }
.form-field select option { color: var(--ink); background: #fff; }
.form-field input:focus,
.form-field select:focus {
  outline: none;
  border-color: var(--gold);
  background: rgba(255, 255, 255, .12);
}
.form-field input.is-invalid,
.form-field select.is-invalid { border-color: var(--red); }
.form-field .field-error { font-size: .74rem; color: #fca5a5; display: none; }
.form-field.has-error .field-error { display: block; }

.form-consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: .76rem;
  color: #8fb3a8;
  margin-bottom: 18px;
}
.form-consent a { color: #6ee7b7; }
.form-consent input { margin-top: 3px; accent-color: var(--gold); }

.form-back {
  background: none;
  border: none;
  color: #8fb3a8;
  font-size: .84rem;
  cursor: pointer;
  margin-top: 14px;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-family: var(--font-body);
  font-weight: 600;
}
.form-back:hover { color: #fff; }

.form-summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: rgba(255, 255, 255, .07);
  border: 1px solid rgba(255, 255, 255, .14);
  border-radius: 14px;
  padding: 11px 16px;
  font-size: .85rem;
  margin-bottom: 18px;
  color: #b8d6cd;
}
.form-summary strong { color: var(--gold); }
.form-summary a { color: #6ee7b7; font-weight: 600; }

/* --------------------------------------------------------------------------
   Application form modal
   -------------------------------------------------------------------------- */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(4, 35, 29, .88);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  z-index: 950;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
.modal-overlay.is-active { display: flex; }

.modal-card {
  position: relative;
  background: rgba(255, 255, 255, .09);
  border: 1px solid rgba(255, 255, 255, .18);
  border-radius: 28px;
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  box-shadow: 0 30px 80px rgba(0, 0, 0, .45);
  padding: 34px;
  max-width: 500px;
  width: 100%;
  max-height: 92vh;
  overflow-y: auto;
  color: #b8d6cd;
  animation: fadeUp .3s ease;
  scrollbar-width: none;        /* Firefox — hide scrollbar, keep scrolling */
  -ms-overflow-style: none;     /* old Edge/IE */
}
.modal-card::-webkit-scrollbar { width: 0; height: 0; display: none; } /* Chrome/Safari */
.modal-card h2 { color: #fff; font-size: 1.3rem; margin-bottom: 4px; }

.modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, .2);
  background: rgba(255, 255, 255, .08);
  color: #dcefe9;
  font-size: 1.4rem;
  line-height: 1;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: background .15s, color .15s;
}
.modal-close:hover { background: rgba(255, 255, 255, .18); color: #fff; }

@media (max-width: 640px) {
  .modal-card { padding: 26px 20px; border-radius: 22px; }
}

/* --------------------------------------------------------------------------
   Loading overlay
   -------------------------------------------------------------------------- */
.loader-overlay {
  position: fixed;
  inset: 0;
  background: rgba(4, 35, 29, .94);
  backdrop-filter: blur(8px);
  z-index: 999;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
.loader-overlay.is-active { display: flex; }

.loader-card {
  background: rgba(255, 255, 255, .07);
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: 28px;
  backdrop-filter: blur(20px);
  padding: 44px 40px;
  max-width: 440px;
  width: 100%;
  text-align: center;
  animation: fadeUp .35s ease;
}
.loader-ring {
  position: relative;
  width: 74px;
  height: 74px;
  margin: 0 auto 22px;
}
.loader-spinner {
  width: 74px;
  height: 74px;
  border: 5px solid rgba(255, 255, 255, .12);
  border-top-color: var(--gold);
  border-radius: 50%;
  animation: spin .9s linear infinite;
}
.loader-count {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.9rem;
  color: #fff;
  font-variant-numeric: tabular-nums;
}
@keyframes spin { to { transform: rotate(360deg); } }

.loader-card h3 { font-size: 1.3rem; margin-bottom: 6px; color: #fff; }
.loader-sub { font-size: .86rem; color: #8fb3a8; margin-bottom: 24px; }

.loader-steps { list-style: none; text-align: left; display: grid; gap: 14px; }
.loader-steps li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: .92rem;
  color: #8fb3a8;
  opacity: .45;
  transition: opacity .3s;
}
.loader-steps li.is-current,
.loader-steps li.is-done { opacity: 1; }
.loader-steps li.is-done { color: #6ee7b7; font-weight: 600; }

.loader-steps .step-dot {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: 2px solid rgba(255, 255, 255, .25);
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.loader-steps li.is-current .step-dot {
  border-color: var(--gold);
  border-top-color: transparent;
  animation: spin .8s linear infinite;
}
.loader-steps li.is-done .step-dot {
  border-color: var(--em);
  background: var(--em);
  color: #fff;
  font-size: .7rem;
  animation: none;
}

/* --------------------------------------------------------------------------
   Trust strip
   -------------------------------------------------------------------------- */
.trustbar {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 22px 0;
}
.trustbar__inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px 44px;
  align-items: center;
}
.trustbar span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: #9fb5ac;
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .08em;
}
.trustbar svg { color: var(--em); }

/* --------------------------------------------------------------------------
   Steps / How it works
   -------------------------------------------------------------------------- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}
.step-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 34px 30px;
  transition: transform .2s, box-shadow .2s;
}
.step-card:hover { transform: translateY(-4px); box-shadow: 0 20px 40px rgba(5, 150, 105, .12); }
.step-card__num {
  width: 44px;
  height: 44px;
  border-radius: 14px;
  background: var(--grad);
  color: #fff;
  font-weight: 700;
  font-size: 1.1rem;
  font-family: var(--font-head);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}
.step-card h3 { font-size: 1.12rem; margin-bottom: 8px; }
.step-card p { font-size: .9rem; color: var(--muted); }

/* --------------------------------------------------------------------------
   Loan types
   -------------------------------------------------------------------------- */
.loans-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.loan-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  transition: transform .2s, box-shadow .2s;
}
.loan-card:hover { transform: translateY(-4px); box-shadow: 0 20px 40px rgba(5, 150, 105, .1); }
.loan-card h3 { font-size: 1.04rem; margin-bottom: 6px; }
.loan-card .loan-range {
  display: inline-block;
  align-self: flex-start;
  background: var(--em-tint);
  color: #047857;
  font-weight: 700;
  font-size: .82rem;
  padding: 3px 12px;
  border-radius: 99px;
  margin-bottom: 12px;
}
.loan-card p { font-size: .86rem; color: var(--muted); flex: 1; margin-bottom: 16px; }
.loan-card a { font-size: .88rem; font-weight: 700; }

/* --------------------------------------------------------------------------
   Benefits
   -------------------------------------------------------------------------- */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.benefit-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 30px 28px;
  transition: transform .2s, box-shadow .2s;
}
.benefit-card:hover { transform: translateY(-4px); box-shadow: 0 20px 40px rgba(5, 150, 105, .1); }
.benefit-card .benefit-icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--grad);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.benefit-card h3 { font-size: 1.06rem; margin-bottom: 8px; }
.benefit-card p { font-size: .9rem; color: var(--muted); }

/* --------------------------------------------------------------------------
   Offer cards v2 + quick comparison table
   -------------------------------------------------------------------------- */
.offers-list { max-width: 900px; margin: 0 auto; }

/* --- Quick comparison table --- */
.offers-compare { margin-bottom: 36px; }
.offers-compare__head { text-align: center; margin-bottom: 20px; }
.offers-compare__head h2 { font-size: 1.4rem; margin-bottom: 6px; }
.offers-compare__head p { font-size: .92rem; color: var(--muted); }

.compare-table { font-size: .9rem; }
.compare-table th:first-child, .compare-table td:first-child { text-align: left; }
.compare-table td { vertical-align: middle; }
.compare-table tr:nth-child(even) td { background: transparent; }
.compare-table .ct-lender { display: flex; align-items: center; gap: 10px; }
.compare-table .ct-rank {
  width: 20px; height: 20px; flex-shrink: 0;
  border-radius: 50%;
  background: var(--em-soft);
  color: var(--em);
  font-size: .72rem; font-weight: 800;
  display: inline-flex; align-items: center; justify-content: center;
}
.compare-table .ct-logo {
  width: 26px; height: 26px; flex-shrink: 0;
  border-radius: 7px;
  color: #fff; font-size: .62rem; font-weight: 800;
  display: inline-flex; align-items: center; justify-content: center;
}
.compare-table .ct-name { font-weight: 600; color: var(--ink); }
.compare-table .ct-tag {
  background: var(--grad); color: #fff;
  font-size: .58rem; font-weight: 700; text-transform: uppercase;
  padding: 2px 7px; border-radius: 99px; margin-left: 4px; letter-spacing: .04em;
}
.compare-table .ct-rate { font-variant-numeric: tabular-nums; }
.compare-table .ct-stars { color: var(--gold-dark); font-weight: 700; }
.compare-table .ct-stars::before { content: '★ '; }
.compare-table .ct-cta a {
  display: inline-block;
  background: var(--em-soft);
  color: var(--em-dark, #047857);
  font-weight: 700; font-size: .82rem;
  padding: 6px 16px; border-radius: 99px;
  transition: background .15s;
}
.compare-table .ct-cta a:hover { background: var(--em-tint); text-decoration: none; }

/* --- Full offer cards --- */
.offers-cards { display: grid; gap: 22px; }

.offer-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 26px 30px 24px;
  display: grid;
  grid-template-columns: 1fr 200px;
  gap: 24px 30px;
  align-items: center;
  position: relative;
  transition: box-shadow .2s, transform .2s, border-color .2s;
  opacity: 0;
  transform: translateY(14px);
  animation: cardIn .45s ease forwards;
}
@keyframes cardIn { to { opacity: 1; transform: translateY(0); } }
.offer-card:hover { box-shadow: 0 22px 55px rgba(5, 150, 105, .16); transform: translateY(-3px); border-color: #a7f3d0; }

.offer-card--best {
  background: linear-gradient(var(--white), var(--white)) padding-box,
              var(--grad) border-box;
  border: 2px solid transparent;
  box-shadow: 0 12px 34px rgba(5, 150, 105, .12);
}

.offer-badge {
  position: absolute;
  top: -13px; left: 26px;
  background: var(--grad);
  color: #fff;
  font-size: .72rem; font-weight: 700;
  letter-spacing: .05em;
  padding: 5px 15px;
  border-radius: 99px;
  text-transform: uppercase;
  box-shadow: 0 4px 12px rgba(5, 150, 105, .35);
}
.offer-badge--fit {
  background: var(--gold);
  color: var(--ink);
  box-shadow: 0 4px 12px rgba(251, 191, 36, .35);
}
/* Comparison-table rows that fit the request get a subtle highlight */
.compare-table tr.ct-fit td { background: var(--em-soft); }
.compare-table tr.ct-fit .ct-name { color: var(--em-dark); }
.offer-rank {
  position: absolute;
  top: 18px; right: 20px;
  font-family: var(--font-head);
  font-size: .82rem; font-weight: 700;
  color: var(--border);
}
.offer-card--best .offer-rank { color: #a7f3d0; }

.offer-body { min-width: 0; }

.offer-head { display: flex; align-items: center; gap: 14px; margin-bottom: 12px; }
.offer-logo {
  width: 104px; height: 64px; flex-shrink: 0;
  border-radius: 12px;
  display: inline-flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1.3rem; color: #fff;
}
.offer-logo--img {
  background: var(--white);
  border: 1px solid var(--border);
  padding: 8px 12px;
  box-shadow: 0 1px 3px rgba(15, 23, 42, .06);
}
.offer-logo--img img { max-width: 100%; max-height: 100%; object-fit: contain; }

.offer-headinfo { min-width: 0; }
.offer-nameline { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.offer-nameline h3 { font-size: 1.18rem; }
.offer-verified {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: .68rem; font-weight: 700;
  color: var(--em);
  background: var(--em-soft);
  padding: 3px 9px; border-radius: 99px;
}
.offer-rating { display: flex; align-items: center; gap: 2px; margin-top: 4px; color: var(--gold-dark); }
.offer-rating .star { flex-shrink: 0; }
.offer-rating__num { font-weight: 700; color: var(--ink); font-size: .84rem; margin-left: 6px; }
.offer-rating__count { color: var(--muted); font-size: .8rem; margin-left: 4px; }

.offer-usp { font-size: .92rem; color: var(--body); margin: 0 0 16px; font-weight: 500; }

/* Stat grid with dividers */
.offer-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: 14px;
  overflow: hidden;
  margin-bottom: 16px;
}
.offer-stat { background: var(--white); padding: 11px 14px; }
.offer-stat__label {
  display: block;
  font-size: .7rem; text-transform: uppercase; letter-spacing: .03em;
  color: var(--muted); margin-bottom: 3px;
}
.offer-stat__value {
  display: block;
  color: var(--ink); font-size: .92rem; font-weight: 600;
  line-height: 1.3;
  font-variant-numeric: tabular-nums;
}
.offer-stat__value--hl { color: var(--em); }

.offer-benefit {
  display: flex; align-items: flex-start; gap: 9px;
  background: var(--em-soft);
  border-radius: 12px;
  padding: 11px 14px;
  margin-bottom: 14px;
  font-size: .86rem;
  color: var(--body);
}
.offer-benefit svg { color: var(--em); flex-shrink: 0; margin-top: 1px; }
.offer-benefit strong { color: var(--ink); }

.offer-tags { display: flex; flex-wrap: wrap; gap: 7px; }
.offer-tag {
  font-size: .74rem; font-weight: 600;
  color: #047857;
  background: var(--em-soft);
  border: 1px solid #d1fae5;
  border-radius: 99px;
  padding: 4px 12px;
}

.offer-cta { text-align: center; align-self: center; }
.offer-cta .btn { width: 100%; }
.offer-cta__note { display: block; margin-top: 10px; color: var(--muted); font-size: .72rem; line-height: 1.5; }

/* --------------------------------------------------------------------------
   Offers page specifics
   -------------------------------------------------------------------------- */
.offers-hero {
  background:
    radial-gradient(900px 400px at 80% -20%, rgba(8, 145, 178, .3), transparent),
    radial-gradient(700px 400px at 10% 130%, rgba(5, 150, 105, .35), transparent),
    var(--ink);
  color: #b8d6cd;
  padding: 52px 0 46px;
  text-align: center;
}
.offers-hero h1 { color: #fff; font-size: 2rem; margin-bottom: 10px; }
.offers-hero p { color: #8fb3a8; font-size: 1rem; }

.offers-summary {
  display: inline-flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px 28px;
  background: rgba(255, 255, 255, .08);
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: 99px;
  padding: 11px 28px;
  margin-top: 20px;
  font-size: .9rem;
  color: #dcefe9;
}
.offers-summary strong { color: var(--gold); }
.offers-summary a { color: #6ee7b7; }

.offers-note {
  max-width: 840px;
  margin: 28px auto 0;
  font-size: .78rem;
  color: var(--muted);
  text-align: center;
}

/* Skeleton loading */
.skeleton-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 26px 28px;
  height: 150px;
  position: relative;
  overflow: hidden;
}
.skeleton-card::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, transparent, rgba(220, 236, 230, .7), transparent);
  animation: shimmer 1.2s infinite;
}
@keyframes shimmer {
  from { transform: translateX(-100%); }
  to { transform: translateX(100%); }
}

/* --------------------------------------------------------------------------
   Testimonials
   -------------------------------------------------------------------------- */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.testimonial-card {
  background: linear-gradient(135deg, var(--em-soft), var(--em-soft2));
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 26px;
  display: flex;
  flex-direction: column;
}
.testimonial-card .stars { color: var(--gold-dark); font-size: .9rem; letter-spacing: 2px; margin-bottom: 12px; }
.testimonial-card p { font-size: .9rem; color: var(--body); flex: 1; margin-bottom: 18px; }
.testimonial-card footer { display: flex; align-items: center; gap: 11px; font-size: .82rem; }
.testimonial-card .avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--grad);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: .82rem;
  flex-shrink: 0;
}
.testimonial-card footer strong { color: var(--ink); display: block; line-height: 1.3; }
.testimonial-card footer span { color: var(--muted); }

/* --------------------------------------------------------------------------
   FAQ
   -------------------------------------------------------------------------- */
.faq-list { max-width: 780px; margin: 0 auto; display: grid; gap: 12px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color .2s;
}
.faq-item[open] { border-color: #a7f3d0; }
.faq-item summary {
  cursor: pointer;
  padding: 19px 24px;
  font-weight: 700;
  font-family: var(--font-head);
  color: var(--ink);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  font-size: .97rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--em);
  flex-shrink: 0;
  transition: transform .2s;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item .faq-body { padding: 0 24px 18px; font-size: .92rem; color: var(--muted); }

/* --------------------------------------------------------------------------
   Compliance strip
   -------------------------------------------------------------------------- */
.compliance {
  background: linear-gradient(135deg, var(--em-soft), var(--em-soft2));
  border-top: 1px solid #a7f3d0;
  border-bottom: 1px solid #a7f3d0;
}
.compliance-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.compliance-item { display: flex; gap: 14px; }
.compliance-item svg { color: var(--em); flex-shrink: 0; margin-top: 2px; }
.compliance-item h3 { font-size: 1rem; margin-bottom: 4px; }
.compliance-item p { font-size: .86rem; color: var(--muted); }

/* --------------------------------------------------------------------------
   CTA band
   -------------------------------------------------------------------------- */
.cta-band { padding: 0 20px 60px; }
.cta-band__inner {
  max-width: 1100px;
  margin: 0 auto;
  background:
    radial-gradient(700px 350px at 50% -20%, rgba(8, 145, 178, .45), transparent),
    var(--ink);
  border-radius: 40px;
  color: #fff;
  text-align: center;
  padding: 66px 30px;
  position: relative;
  overflow: hidden;
}
.cta-band h2 { color: #fff; font-size: 2.1rem; margin-bottom: 12px; }
.cta-band p { color: #8fb3a8; margin-bottom: 28px; }

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */
.footer { background: var(--ink); color: #7a9c91; font-size: .88rem; }
.footer a { color: #b8d6cd; }
.footer a:hover { color: #6ee7b7; }

.footer__main {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1.15fr 1.1fr 1fr;
  gap: 36px;
  padding: 58px 0 42px;
}
.footer h4 { color: #fff; font-size: .95rem; margin-bottom: 16px; }
.footer ul { list-style: none; display: grid; gap: 9px; }
.footer .logo { color: #fff; margin-bottom: 14px; }
.footer .footer__about p { font-size: .85rem; margin-bottom: 16px; }

.footer__badges { display: flex; flex-wrap: wrap; gap: 8px; }
.footer__badges span {
  font-size: .7rem;
  font-weight: 700;
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: 99px;
  padding: 4px 12px;
  color: #8fb3a8;
  letter-spacing: .04em;
}

.footer__legal {
  border-top: 1px solid rgba(255, 255, 255, .1);
  padding: 28px 0;
  font-size: .76rem;
  line-height: 1.7;
  color: #64837a;
}
.footer__legal p { margin-bottom: 12px; }
.footer__legal strong { color: #8fb3a8; }

.footer__bottom {
  border-top: 1px solid rgba(255, 255, 255, .1);
  padding: 20px 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 10px;
  font-size: .8rem;
}

/* --------------------------------------------------------------------------
   Inner pages
   -------------------------------------------------------------------------- */
.page-hero {
  background:
    radial-gradient(900px 400px at 80% -20%, rgba(8, 145, 178, .3), transparent),
    radial-gradient(700px 400px at 10% 130%, rgba(5, 150, 105, .35), transparent),
    var(--ink);
  color: #fff;
  padding: 56px 0;
  text-align: center;
}
.page-hero h1 { color: #fff; font-size: 2.2rem; margin-bottom: 8px; }
.page-hero p { color: #8fb3a8; }

.prose { max-width: 780px; margin: 0 auto; }
.prose h2 { font-size: 1.45rem; margin: 38px 0 14px; }
.prose h3 { font-size: 1.12rem; margin: 26px 0 10px; }
.prose p, .prose li { color: var(--body); font-size: .96rem; margin-bottom: 12px; }
.prose ul, .prose ol { padding-left: 24px; margin-bottom: 16px; }
.prose li { margin-bottom: 6px; }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 36px;
  max-width: 940px;
  margin: 0 auto;
}
.contact-info-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
}
.contact-info-card h3 { margin-bottom: 18px; }
.contact-info-card ul { list-style: none; display: grid; gap: 16px; }
.contact-info-card li { display: flex; gap: 12px; align-items: flex-start; font-size: .92rem; }
.contact-info-card svg { color: var(--em); flex-shrink: 0; margin-top: 2px; }

/* Contact form on light cards uses light inputs */
.contact-info-card .form-field label { color: var(--ink); }
.contact-info-card .form-field input,
.contact-info-card .form-field select,
.contact-info-card .form-field textarea {
  background: var(--white);
  border: 1.5px solid var(--border);
  color: var(--ink);
  border-radius: 14px;
  padding: 12px 15px;
  font-family: var(--font-body);
  font-size: .95rem;
  width: 100%;
}
.contact-info-card .form-field input:focus,
.contact-info-card .form-field textarea:focus { outline: none; border-color: var(--em); }
.contact-info-card .form-field input::placeholder { color: #9fb5ac; }

/* --------------------------------------------------------------------------
   Review page — lender logo in hero
   -------------------------------------------------------------------------- */
.review-logo {
  width: 120px;
  height: 76px;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 8px 24px rgba(4, 35, 29, .18);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 12px 16px;
  margin: 0 auto 20px;
}
.review-logo img {
  max-width: 100%;
  max-height: 100%;
  object-fit: contain;
}
.review-logo--fallback {
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 1.7rem;
  color: #fff;
  padding: 0;
}
/* Small logo inside the "at a glance" heading + hub cards */
.review-logo-sm {
  width: 46px;
  height: 46px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 5px;
  flex-shrink: 0;
  vertical-align: middle;
}
.review-logo-sm img { max-width: 100%; max-height: 100%; object-fit: contain; }
.review-logo-sm--fallback { color: #fff; font-family: var(--font-head); font-weight: 800; font-size: 1rem; padding: 0; }

.guide-card__logo {
  width: 54px;
  height: 40px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 5px 7px;
  margin-bottom: 14px;
}
.guide-card__logo img { max-width: 100%; max-height: 100%; object-fit: contain; }
.guide-card__logo--fallback { color: #fff; font-family: var(--font-head); font-weight: 800; font-size: .95rem; padding: 0; }

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 960px) {
  .hero__grid { grid-template-columns: 1fr; gap: 44px; }
  .hero h1 { font-size: 2.3rem; }
  .steps-grid, .benefits-grid, .compliance-grid { grid-template-columns: 1fr 1fr; }
  .loans-grid, .testimonials-grid, .guides-grid { grid-template-columns: 1fr 1fr; }
  .footer__main { grid-template-columns: 1fr 1fr 1fr; gap: 30px; }
  .contact-grid { grid-template-columns: 1fr; }
}

/* --------------------------------------------------------------------------
   Nav dropdown
   -------------------------------------------------------------------------- */
.nav-drop { position: relative; }
.nav-drop__label {
  color: var(--body);
  font-weight: 600;
  font-size: .93rem;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 4px;
}
.nav-drop:hover .nav-drop__label { color: var(--em); }
.nav-drop__menu {
  position: absolute;
  top: 100%;
  left: -16px;
  padding-top: 14px;
  display: none;
  min-width: 230px;
  z-index: 110;
}
.nav-drop:hover .nav-drop__menu { display: block; }
.nav-drop__menu-inner {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  box-shadow: var(--shadow-lg);
  padding: 10px;
  display: grid;
}
.nav-drop__menu a {
  padding: 10px 14px;
  border-radius: 10px;
  font-size: .92rem;
}
.nav-drop__menu a:hover { background: var(--em-soft); text-decoration: none; }

/* --------------------------------------------------------------------------
   Breadcrumbs
   -------------------------------------------------------------------------- */
.breadcrumbs {
  font-size: .82rem;
  color: #8fb3a8;
  margin-bottom: 16px;
}
.breadcrumbs a { color: #6ee7b7; }
.breadcrumbs span { margin: 0 6px; opacity: .6; }

/* --------------------------------------------------------------------------
   AEO answer box
   -------------------------------------------------------------------------- */
.answer-box {
  background: linear-gradient(135deg, var(--em-soft), var(--em-soft2));
  border: 1px solid #a7f3d0;
  border-left: 5px solid var(--em);
  border-radius: var(--radius);
  padding: 22px 26px;
  margin: 0 0 34px;
}
.answer-box .answer-box__label {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: .76rem;
  font-weight: 800;
  color: #047857;
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.answer-box p { color: var(--ink); font-size: 1rem; margin: 0; }
.answer-box p + p { margin-top: 8px; }

/* --------------------------------------------------------------------------
   Data tables
   -------------------------------------------------------------------------- */
.table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  margin: 20px 0 28px;
  border-radius: var(--radius);
}
/* Subtle right-edge fade to hint that a wide table can be scrolled */
.table-wrap--scrollable {
  position: relative;
  background:
    linear-gradient(to right, transparent calc(100% - 24px), rgba(4, 35, 29, .06)) right / 24px 100% no-repeat;
}
.table-scroll-hint {
  display: none;
  font-size: .78rem;
  color: var(--muted);
  margin: -12px 0 20px;
  align-items: center;
  gap: 6px;
}
.table-scroll-hint svg { color: var(--em); }
.data-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  font-size: .92rem;
}
.data-table th {
  background: var(--ink);
  color: #b8d6cd;
  font-family: var(--font-head);
  font-size: .78rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  padding: 13px 18px;
  text-align: left;
  font-weight: 600;
  white-space: nowrap;
}
.data-table td {
  padding: 14px 18px;
  border-top: 1px solid var(--border);
  vertical-align: top;
  color: var(--body);
}
.data-table td strong { color: var(--ink); }
.data-table tr:nth-child(even) td { background: var(--bg); }

/* --------------------------------------------------------------------------
   Pros & cons
   -------------------------------------------------------------------------- */
.pros-cons {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin: 20px 0 28px;
}
.pros-cons > div {
  border-radius: var(--radius);
  padding: 22px 24px;
  border: 1px solid var(--border);
}
.pros-cons .pros { background: var(--em-soft); border-color: #a7f3d0; }
.pros-cons .cons { background: #fff7ed; border-color: #fed7aa; }
.pros-cons h3 { font-size: 1rem; margin-bottom: 12px; }
.pros-cons ul { list-style: none; display: grid; gap: 9px; padding: 0; margin: 0; }
.pros-cons li { font-size: .9rem; padding-left: 26px; position: relative; margin: 0; }
.pros-cons .pros li::before { content: '✓'; position: absolute; left: 0; color: #047857; font-weight: 800; }
.pros-cons .cons li::before { content: '✕'; position: absolute; left: 0; color: #ea580c; font-weight: 800; }

/* --------------------------------------------------------------------------
   Callouts
   -------------------------------------------------------------------------- */
.callout {
  border-radius: var(--radius);
  padding: 18px 22px;
  margin: 20px 0;
  font-size: .93rem;
  border: 1px solid;
}
.callout strong { display: block; margin-bottom: 4px; }
.callout--tip { background: var(--em-soft); border-color: #a7f3d0; color: var(--body); }
.callout--tip strong { color: #047857; }
.callout--warn { background: #fff7ed; border-color: #fed7aa; color: #7c4a12; }
.callout--warn strong { color: #c2410c; }

/* --------------------------------------------------------------------------
   Guide / related cards
   -------------------------------------------------------------------------- */
.guides-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.guide-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 26px;
  display: flex;
  flex-direction: column;
  transition: transform .2s, box-shadow .2s;
}
.guide-card:hover { transform: translateY(-4px); box-shadow: 0 20px 40px rgba(5, 150, 105, .1); }
.guide-card .guide-tag {
  align-self: flex-start;
  background: var(--em-tint);
  color: #047857;
  font-size: .72rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 99px;
  margin-bottom: 14px;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.guide-card h3 { font-size: 1.1rem; margin-bottom: 10px; line-height: 1.35; }
.guide-card h3 a { color: var(--ink); }
.guide-card h3 a:hover { color: var(--em); text-decoration: none; }
.guide-card p { font-size: .9rem; color: var(--muted); flex: 1; margin-bottom: 16px; }
.guide-card .guide-more { font-size: .88rem; font-weight: 700; }

.article-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 22px;
  font-size: .82rem;
  color: #8fb3a8;
  justify-content: center;
  margin-top: 14px;
}
.article-meta strong { color: #dcefe9; font-weight: 600; }

/* --------------------------------------------------------------------------
   Light calculator (tool page)
   -------------------------------------------------------------------------- */
.calc-light {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 34px;
  max-width: 860px;
  margin: 0 auto;
}
.calc-light h2 { font-size: 1.3rem; margin-bottom: 4px; }
.calc-light .calc-sub { font-size: .88rem; color: var(--muted); margin-bottom: 26px; }
.calc-light .calc-row__label { color: var(--ink); }
.calc-light .calc-row__value { color: var(--em); }
.calc-light input[type="range"] { background: var(--border); }
.calc-light input[type="range"]::-webkit-slider-thumb {
  background: var(--white);
  border: 8px solid var(--em);
  box-shadow: 0 3px 10px rgba(5, 150, 105, .35);
}
.calc-light input[type="range"]::-moz-range-thumb {
  background: var(--white);
  border: 8px solid var(--em);
  box-shadow: 0 3px 10px rgba(5, 150, 105, .35);
}
.calc-light .calc-row__scale { color: var(--muted); }

.calc-breakdown { margin-top: 26px; }
.calc-breakdown .data-table td:last-child { text-align: right; font-variant-numeric: tabular-nums; }
.calc-breakdown .total-row td {
  background: var(--em-soft) !important;
  font-weight: 800;
  color: var(--ink);
  font-size: 1.02rem;
}

/* --------------------------------------------------------------------------
   Prose extras
   -------------------------------------------------------------------------- */
.prose .data-table { font-size: .9rem; }
.prose h2 { scroll-margin-top: 90px; }

@media (max-width: 640px) {
  .section { padding: 54px 0; }
  .section-head h2 { font-size: 1.6rem; }
  .hero { padding: 48px 0 64px; }
  .hero h1 { font-size: 1.9rem; }
  .calc-card { padding: 26px 20px; border-radius: 22px; }
  .form-grid { grid-template-columns: 1fr; }
  .steps-grid, .benefits-grid, .loans-grid,
  .testimonials-grid, .compliance-grid { grid-template-columns: 1fr; }
  .footer__main { grid-template-columns: 1fr 1fr; gap: 26px 20px; }
  .footer__about { grid-column: 1 / -1; }
  .cta-band__inner { border-radius: 28px; padding: 48px 22px; }

  .offer-card { grid-template-columns: 1fr; padding: 22px 20px; }
  .offer-cta { min-width: 0; }
  .offer-stats { grid-template-columns: 1fr 1fr; }
  .offer-rank { top: 16px; right: 16px; }
  .offers-compare__head h2 { font-size: 1.2rem; }

  .nav {
    display: none;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    padding: 18px 20px 24px;
    gap: 16px;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-lg);
    max-height: calc(100vh - 72px);
    overflow-y: auto;
  }
  .nav.is-open { display: flex; }
  .nav .btn { margin-left: 0; }
  .nav-toggle { display: block; }

  /* Dropdown becomes a flat group on mobile */
  .nav-drop__label { display: block; font-size: .8rem; color: var(--muted); text-transform: uppercase; letter-spacing: .06em; }
  .nav-drop__menu { display: block; position: static; padding-top: 8px; min-width: 0; }
  .nav-drop__menu-inner { border: none; box-shadow: none; padding: 0; gap: 4px; }

  .pros-cons { grid-template-columns: 1fr; }
  .guides-grid { grid-template-columns: 1fr; }
  .calc-light { padding: 24px 18px; }

  /* Tighter, more legible wide tables on phones */
  .data-table { font-size: .84rem; }
  .data-table th { padding: 11px 12px; font-size: .72rem; }
  .data-table td { padding: 11px 12px; }
  .table-scroll-hint { display: flex; }

  /* Trust strip: even 2-per-row grid instead of ragged wrap */
  .trustbar { padding: 18px 0; }
  .trustbar__inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px 12px;
    justify-items: start;
  }
  .trustbar span { font-size: .72rem; letter-spacing: .04em; }

  /* Comfortable tap targets (min 44px) */
  .nav a, .nav-drop__menu a { padding-top: 12px; padding-bottom: 12px; }
  .footer ul a { display: inline-block; padding: 4px 0; }
  .faq-item summary { padding: 18px 20px; }

  /* Hero pills read better full-width-ish */
  .hero__pills { gap: 8px; }
  .hero__pills li { font-size: .8rem; padding: 7px 13px; }

  /* Prose spacing on small screens */
  .prose h2 { font-size: 1.3rem; }
  .answer-box { padding: 18px 18px; }

  /* Section head not too tight */
  .page-hero { padding: 44px 0; }
  .page-hero h1 { font-size: 1.75rem; }
  .offers-hero h1 { font-size: 1.55rem; }
}

/* Very small phones (≤360px): scale hero heading down a touch more */
@media (max-width: 360px) {
  .hero h1 { font-size: 1.72rem; }
  .page-hero h1 { font-size: 1.6rem; }
  .calc-card, .calc-light { padding: 22px 16px; }
  .trustbar__inner { grid-template-columns: 1fr; }
}

/* ==========================================================================
   ARTICLE / BLOG DESIGN SYSTEM v2 — professional content layout
   ========================================================================== */

/* --- Reading progress bar (top of viewport) --- */
.reading-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  width: 0;
  background: linear-gradient(90deg, var(--em), var(--gold));
  z-index: 200;
  transition: width .1s linear;
}

/* --- Refined content hero (landing + article) --- */
.chero {
  position: relative;
  background:
    radial-gradient(900px 420px at 82% -30%, rgba(8, 145, 178, .32), transparent),
    radial-gradient(700px 420px at 6% 130%, rgba(5, 150, 105, .34), transparent),
    var(--ink);
  color: #b8d6cd;
  padding: 54px 0 60px;
  overflow: hidden;
}
.chero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 22px 22px;
  opacity: .5;
  pointer-events: none;
}
.chero .container { position: relative; z-index: 1; }
.chero--center { text-align: center; }
.chero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(251, 191, 36, .13);
  border: 1px solid rgba(251, 191, 36, .3);
  color: var(--gold);
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 99px;
  margin-bottom: 18px;
}
.chero h1 { color: #fff; font-size: 2.5rem; line-height: 1.12; margin-bottom: 14px; max-width: 18ch; }
.chero--center h1 { max-width: 22ch; margin-left: auto; margin-right: auto; }
.chero__lead { font-size: 1.12rem; color: #a7cabf; max-width: 60ch; margin-bottom: 24px; }
.chero--center .chero__lead { margin-left: auto; margin-right: auto; }
.chero__meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
  font-size: .84rem;
  color: #7fa79b;
  align-items: center;
}
.chero--center .chero__meta { justify-content: center; }
.chero__meta strong { color: #dcefe9; font-weight: 600; }
.chero__meta .dot { width: 3px; height: 3px; border-radius: 50%; background: #4d6b62; }
.chero__trust {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 26px;
}
.chero--center .chero__trust { justify-content: center; }
.chero__trust span {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(255, 255, 255, .07);
  border: 1px solid rgba(255, 255, 255, .13);
  border-radius: 99px;
  padding: 8px 15px;
  font-size: .82rem;
  font-weight: 600;
  color: #dcefe9;
}
.chero__trust svg { color: #6ee7b7; }
.chero__cta { margin-top: 26px; }

/* --- Two-column article layout with sticky sidebar --- */
.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  gap: 56px;
  align-items: start;
  max-width: 1120px;
  margin: 0 auto;
}
.article-main { min-width: 0; }

.article-aside {
  position: sticky;
  top: 92px;
  display: grid;
  gap: 20px;
}

/* Table of contents card */
.toc {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px 24px;
}
.toc h4 {
  font-size: .76rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 14px;
}
.toc ol { list-style: none; counter-reset: toc; display: grid; gap: 2px; }
.toc li { counter-increment: toc; }
.toc a {
  display: flex;
  gap: 10px;
  padding: 8px 10px;
  border-radius: 10px;
  font-size: .9rem;
  color: var(--body);
  line-height: 1.4;
  transition: background .15s, color .15s;
}
.toc a::before {
  content: counter(toc, decimal-leading-zero);
  color: var(--em);
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  flex-shrink: 0;
  font-size: .82rem;
}
.toc a:hover { background: var(--em-soft); text-decoration: none; }
.toc a.is-active { background: var(--em-soft); color: var(--em-dark, #047857); font-weight: 600; }

/* Sidebar CTA card */
.aside-cta {
  background: linear-gradient(160deg, var(--ink), #06342a);
  border-radius: var(--radius-lg);
  padding: 26px 24px;
  color: #b8d6cd;
  position: relative;
  overflow: hidden;
}
.aside-cta::before {
  content: '';
  position: absolute;
  width: 200px; height: 200px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(16,185,129,.25), transparent 70%);
  top: -80px; right: -60px;
}
.aside-cta h4 { color: #fff; font-size: 1.12rem; margin-bottom: 8px; position: relative; }
.aside-cta p { font-size: .86rem; margin-bottom: 16px; position: relative; }
.aside-cta .btn { width: 100%; position: relative; }
.aside-cta .aside-cta__note {
  display: flex; align-items: center; justify-content: center; gap: 6px;
  font-size: .72rem; color: #7fa79b; margin-top: 10px;
}

/* --- Highlight stat cards (replaces flat "at a glance" table where wanted) --- */
.spec-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  margin: 24px 0 30px;
}
.spec-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 18px 20px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.spec-card__icon {
  width: 40px; height: 40px;
  flex-shrink: 0;
  border-radius: 11px;
  background: var(--em-soft);
  color: var(--em);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.spec-card__label {
  font-size: .76rem;
  text-transform: uppercase;
  letter-spacing: .04em;
  color: var(--muted);
  margin-bottom: 3px;
}
.spec-card__value { font-family: var(--font-head); font-weight: 700; color: var(--ink); font-size: 1rem; line-height: 1.3; }

/* --- Upgraded data tables --- */
.data-table { box-shadow: 0 1px 3px rgba(15,23,42,.04); }
.data-table caption {
  caption-side: top;
  text-align: left;
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--ink);
  font-size: 1rem;
  padding: 0 0 12px;
}
.data-table thead th { position: relative; }
.data-table--zebra tr:hover td { background: var(--em-soft); }
.data-table td:first-child, .data-table th:first-child { padding-left: 20px; }

/* Emphasised total row in any table (opt-in via class) */
.data-table .is-total td {
  background: var(--em-soft) !important;
  font-weight: 800;
  color: var(--ink);
  border-top: 2px solid var(--em);
}

/* --- Callouts refined with icon (block layout, icon inset top-left) --- */
.callout {
  position: relative;
  padding-left: 56px;
}
.callout::before {
  content: '';
  position: absolute;
  left: 20px;
  top: 20px;
  width: 22px; height: 22px;
  background-repeat: no-repeat;
  background-position: center;
  background-size: contain;
}
.callout--tip::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='M12 2a7 7 0 00-4 12.7V17h8v-2.3A7 7 0 0012 2z' stroke='%23047857' stroke-width='2'/%3E%3Cpath d='M9 20h6M10 22h4' stroke='%23047857' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
}
.callout--warn::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='M12 3l9 16H3l9-16z' stroke='%23c2410c' stroke-width='2' stroke-linejoin='round'/%3E%3Cpath d='M12 10v4M12 17h.01' stroke='%23c2410c' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
}

/* --- Author / E-E-A-T box --- */
.author-box {
  display: flex;
  gap: 16px;
  align-items: center;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px 24px;
  margin: 40px 0 0;
}
.author-box__avatar {
  width: 54px; height: 54px;
  flex-shrink: 0;
  border-radius: 50%;
  background: var(--grad);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.author-box__name { font-family: var(--font-head); font-weight: 700; color: var(--ink); font-size: 1rem; }
.author-box__bio { font-size: .88rem; color: var(--muted); margin-top: 2px; }

/* --- Inline CTA strip within prose --- */
.inline-cta {
  background: linear-gradient(135deg, var(--em-soft), var(--em-soft2));
  border: 1px solid #a7f3d0;
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  margin: 30px 0;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.inline-cta__text h4 { font-size: 1.1rem; margin-bottom: 4px; }
.inline-cta__text p { font-size: .9rem; color: var(--muted); margin: 0; }

/* --- Prose typography refinement --- */
.article-main .prose { max-width: none; }
.prose > h2:first-of-type { margin-top: 8px; }
.prose h2 {
  position: relative;
  padding-top: 6px;
}
.prose p { color: #3a4b45; }
.prose a { font-weight: 600; border-bottom: 1px solid transparent; transition: border-color .15s; }
.prose a:hover { border-bottom-color: currentColor; text-decoration: none; }
.prose ul li::marker { color: var(--em); }
.prose strong { color: var(--ink); }
.prose blockquote {
  border-left: 4px solid var(--em);
  background: var(--em-soft2);
  margin: 24px 0;
  padding: 16px 22px;
  border-radius: 0 12px 12px 0;
  font-size: 1.02rem;
  color: var(--ink);
}

/* --- Responsive: collapse sidebar --- */
@media (max-width: 960px) {
  .article-layout { grid-template-columns: 1fr; gap: 0; }
  .article-aside { position: static; margin-top: 40px; grid-template-columns: 1fr 1fr; display: grid; gap: 18px; }
  .toc { display: none; }
  .chero h1 { font-size: 2.1rem; }
}
@media (max-width: 640px) {
  .chero { padding: 40px 0 44px; }
  .chero h1 { font-size: 1.75rem; }
  .chero__lead { font-size: 1rem; }
  .spec-grid { grid-template-columns: 1fr; gap: 10px; }
  .article-aside { grid-template-columns: 1fr; }
  .inline-cta { flex-direction: column; align-items: stretch; text-align: center; }
  .inline-cta .btn { width: 100%; }
  .author-box { flex-direction: column; text-align: center; }
}