/* ========================================
   PrestaMax MX - Styles
   ======================================== */

/* --- Reset & Base --- */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --primary: #0052FF;
    --primary-dark: #0041CC;
    --primary-light: #E8F0FF;
    --secondary: #00C853;
    --secondary-dark: #00A844;
    --accent: #FF6B00;
    --accent-light: #FFF3E8;
    --dark: #0A1628;
    --dark-700: #1A2A44;
    --dark-500: #3D4F6F;
    --gray-100: #F5F7FA;
    --gray-200: #E8ECF1;
    --gray-300: #D1D8E0;
    --gray-400: #A0AEC0;
    --gray-500: #718096;
    --white: #FFFFFF;
    --gradient-primary: linear-gradient(135deg, #0052FF 0%, #00A3FF 100%);
    --gradient-hero: linear-gradient(135deg, #0A1628 0%, #1A3A5C 50%, #0052FF 100%);
    --gradient-accent: linear-gradient(135deg, #FF6B00 0%, #FF9500 100%);
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow-md: 0 4px 16px rgba(0,0,0,0.1);
    --shadow-lg: 0 8px 32px rgba(0,0,0,0.12);
    --shadow-xl: 0 16px 48px rgba(0,0,0,0.16);
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
}

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

body {
    font-family: 'DM Sans', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--dark);
    background: var(--white);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

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

a {
    text-decoration: none;
    color: var(--primary);
}

/* Force white text on all gradient CTA buttons */
a.offer-cta,
a.lender-cta,
a.card-cta,
a.table-cta-btn,
a.calc-cta,
a.mob-cta,
a.btn-primary,
a.btn-contact,
a.btn-calc {
    color: var(--white) !important;
}

img {
    max-width: 100%;
}

/* --- Buttons --- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 14px 28px;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: 16px;
    cursor: pointer;
    transition: all 0.3s ease;
    border: none;
    font-family: inherit;
    gap: 8px;
}

.btn-primary {
    background: var(--gradient-primary);
    color: var(--white);
    box-shadow: 0 4px 16px rgba(0, 82, 255, 0.3);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(0, 82, 255, 0.4);
}

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

.btn-outline:hover {
    background: var(--primary);
    color: var(--white);
}

.btn-full {
    width: 100%;
}

.btn-large {
    padding: 18px 40px;
    font-size: 18px;
    border-radius: var(--radius-md);
}

.btn-header {
    padding: 10px 24px;
    font-size: 14px;
}

/* --- Header --- */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--gray-200);
    transition: all 0.3s ease;
}

.header.scrolled {
    box-shadow: var(--shadow-md);
}

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

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
}

.logo-icon {
    display: flex;
    align-items: center;
    line-height: 0;
    filter: drop-shadow(0 2px 4px rgba(0, 82, 255, 0.25));
    transition: filter 0.3s ease;
}

.logo:hover .logo-icon {
    filter: drop-shadow(0 4px 8px rgba(0, 82, 255, 0.35));
}

.logo-text {
    font-size: 22px;
    font-weight: 800;
    color: var(--dark);
    letter-spacing: -0.3px;
}

.logo-max {
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.logo-mx {
    display: none;
}

.nav {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav a {
    color: var(--dark-500);
    font-weight: 500;
    font-size: 15px;
    transition: color 0.2s;
}

.nav a:hover {
    color: var(--primary);
}

/* Mobile menu button (subpages) */
.mobile-menu-btn {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    z-index: 3001;
}

.mobile-menu-btn span {
    width: 22px;
    height: 2.5px;
    background: var(--dark);
    border-radius: 2px;
}

/* --- Desktop Nav --- */
.desk-nav {
    display: flex;
    align-items: center;
    gap: 32px;
}

.desk-nav a {
    color: var(--dark-500);
    font-weight: 500;
    font-size: 15px;
    transition: color 0.2s;
}

.desk-nav a:hover {
    color: var(--primary);
}

/* --- Mobile Hamburger Button --- */
.mob-btn {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    z-index: 3001;
}

.mob-btn span {
    width: 22px;
    height: 2.5px;
    background: var(--dark);
    border-radius: 2px;
    transition: all 0.3s ease;
}

/* --- Mobile Fullscreen Menu --- */
.mob-menu {
    display: none;
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--white);
    z-index: 2999;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
}

.mob-menu.open {
    display: block;
}

.mob-menu-inner {
    padding: 8px 0 100px;
}

/* Top-level link */
.mob-link {
    display: block;
    padding: 14px 24px;
    font-size: 16px;
    font-weight: 600;
    color: var(--dark);
    border-bottom: 1px solid var(--gray-100);
    text-decoration: none;
}

.mob-link:hover {
    background: var(--gray-100);
    color: var(--primary);
}

/* Accordion section */
.mob-section {
    border-bottom: 1px solid var(--gray-100);
}

.mob-section-title {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 14px 24px;
    font-size: 16px;
    font-weight: 600;
    color: var(--dark);
    cursor: pointer;
    user-select: none;
}

.mob-section-title:hover {
    background: var(--gray-100);
}

.mob-arrow {
    font-size: 18px;
    color: var(--gray-400);
    transition: transform 0.3s ease;
}

.mob-section.expanded .mob-arrow {
    transform: rotate(90deg);
    color: var(--primary);
}

/* Sub-links hidden by default */
.mob-section-links {
    display: none;
    background: var(--gray-100);
    padding: 4px 0;
}

.mob-section.expanded .mob-section-links {
    display: block;
}

.mob-section-links a {
    display: block;
    padding: 10px 24px 10px 40px;
    font-size: 14px;
    font-weight: 500;
    color: var(--dark-500);
    text-decoration: none;
    border-bottom: 1px solid rgba(0,0,0,0.03);
}

.mob-section-links a:hover {
    color: var(--primary);
    background: rgba(0, 82, 255, 0.04);
}

/* CTA button at bottom */
.mob-cta {
    display: block;
    margin: 16px 20px;
    padding: 14px;
    background: var(--gradient-primary);
    color: var(--white) !important;
    text-align: center;
    border-radius: 12px;
    font-weight: 700;
    font-size: 15px;
    text-decoration: none;
    box-shadow: 0 4px 16px rgba(0, 82, 255, 0.3);
}

/* --- Hero --- */
.hero {
    padding: 120px 0 80px;
    background: var(--gradient-hero);
    position: relative;
    overflow: hidden;
}

.hero::before,
.hero::after {
    display: none;
}

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

.hero-content {
    color: var(--white);
}

.hero-badge {
    display: inline-block;
    background: rgba(255, 255, 255, 0.12);
    backdrop-filter: blur(8px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    padding: 8px 20px;
    border-radius: 50px;
    font-size: 14px;
    font-weight: 500;
    margin-bottom: 24px;
    color: var(--white);
}

.hero-content h1 {
    font-size: 48px;
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 20px;
}

.text-gradient {
    background: linear-gradient(135deg, #00C853 0%, #00E676 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle {
    font-size: 18px;
    line-height: 1.7;
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: 36px;
}

.hero-stats {
    display: flex;
    gap: 40px;
}

.stat {
    display: flex;
    flex-direction: column;
}

.stat-number {
    font-size: 28px;
    font-weight: 800;
    color: var(--white);
}

.stat-label {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.6);
    margin-top: 2px;
}

/* --- Calculator Card (OKDinero style) --- */
.hero-form-wrapper {
    position: relative;
    z-index: 2;
}

.calc-card {
    background: var(--white);
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.15), 0 0 0 1px rgba(255, 255, 255, 0.1);
}

.calc-header {
    text-align: center;
    padding: 28px 32px 20px;
    background: linear-gradient(135deg, #F0F5FF 0%, #E8F0FF 100%);
    border-bottom: 1px solid var(--gray-200);
}

.calc-header-icon {
    font-size: 32px;
    margin-bottom: 8px;
}

.calc-header h2 {
    font-size: 22px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 4px;
}

.calc-header p {
    color: var(--gray-500);
    font-size: 13px;
    font-weight: 500;
}

.calc-body {
    padding: 28px 32px 0;
}

.calc-slider-group {
    margin-bottom: 24px;
}

.calc-slider-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 12px;
}

.calc-slider-top label {
    font-size: 14px;
    font-weight: 600;
    color: var(--dark-700);
}

.calc-slider-value {
    font-size: 22px;
    font-weight: 800;
    color: var(--primary);
    letter-spacing: -0.5px;
}

.calc-range {
    width: 100%;
    height: 6px;
    -webkit-appearance: none;
    appearance: none;
    background: var(--gray-200);
    border-radius: 3px;
    outline: none;
    cursor: pointer;
}

.calc-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--white);
    border: 3px solid var(--primary);
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(0, 82, 255, 0.25);
    transition: transform 0.2s, box-shadow 0.2s;
}

.calc-range::-webkit-slider-thumb:hover {
    transform: scale(1.15);
    box-shadow: 0 3px 10px rgba(0, 82, 255, 0.35);
}

.calc-range::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--white);
    border: 3px solid var(--primary);
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(0, 82, 255, 0.25);
}

.calc-slider-labels {
    display: flex;
    justify-content: space-between;
    font-size: 12px;
    color: var(--gray-400);
    margin-top: 6px;
}

.calc-summary {
    margin: 0 32px;
    padding: 16px 20px;
    background: var(--gray-100);
    border-radius: 12px;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.calc-summary-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 14px;
    color: var(--gray-500);
}

.calc-summary-val {
    font-weight: 700;
    color: var(--dark);
}

.calc-interest {
    color: var(--gray-500);
}

.calc-total {
    color: var(--primary);
    font-weight: 800;
    font-size: 16px;
}

.calc-total-row {
    border-top: 1px solid var(--gray-200);
    padding-top: 8px;
    margin-top: 4px;
}

.calc-cta {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    width: calc(100% - 64px);
    margin: 20px 32px 0;
    padding: 16px 28px;
    background: var(--gradient-primary);
    color: var(--white);
    border: none;
    border-radius: 12px;
    font-family: inherit;
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.3s ease;
    box-shadow: 0 4px 16px rgba(0, 82, 255, 0.3);
}

.calc-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(0, 82, 255, 0.4);
}

.calc-cta:active {
    transform: translateY(0);
}

.calc-trust {
    display: flex;
    justify-content: center;
    gap: 16px;
    padding: 16px 32px 20px;
    font-size: 12px;
    color: var(--gray-400);
}

/* --- Modal V2 --- */
.modal-overlay {
    display: none;
    position: fixed;
    top: 0; left: 0; right: 0; bottom: 0;
    background: rgba(10, 22, 40, 0.6);
    backdrop-filter: blur(10px);
    z-index: 2000;
    align-items: center;
    justify-content: center;
    padding: 16px;
}

.modal-overlay.active {
    display: flex;
}

.modal-v2 {
    background: var(--white);
    border-radius: 20px;
    max-width: 520px;
    width: 100%;
    position: relative;
    box-shadow: 0 32px 80px rgba(0,0,0,0.18);
    max-height: 94vh;
    overflow-y: auto;
    scrollbar-width: none;
    animation: modalIn 0.35s cubic-bezier(0.16, 1, 0.3, 1);
}

.modal-v2::-webkit-scrollbar { display: none; }

@keyframes modalIn {
    from { opacity: 0; transform: translateY(20px) scale(0.97); }
    to { opacity: 1; transform: translateY(0) scale(1); }
}

.modal-v2-close {
    position: absolute;
    top: 14px; right: 14px;
    width: 30px; height: 30px;
    background: rgba(255,255,255,0.85);
    border: none;
    border-radius: 50%;
    color: var(--gray-500);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 10;
    transition: all 0.2s;
}

.modal-v2-close:hover {
    background: var(--white);
    color: var(--dark);
    box-shadow: 0 2px 8px rgba(0,0,0,0.12);
}

/* Banner */
.modal-v2-banner {
    background: linear-gradient(135deg, #0A1628 0%, #0052FF 100%);
    padding: 24px 28px;
    border-radius: 20px 20px 0 0;
    display: flex;
    align-items: center;
    gap: 16px;
    color: var(--white);
}

.modal-v2-banner-icon {
    width: 48px; height: 48px;
    background: rgba(255,255,255,0.15);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.modal-v2-banner h2 {
    font-size: 20px;
    font-weight: 800;
    margin: 0 0 2px;
}

.modal-v2-banner p {
    font-size: 13px;
    color: rgba(255,255,255,0.75);
    margin: 0;
}

/* Pill row */
.modal-v2-pill-row {
    display: flex;
    gap: 10px;
    padding: 18px 28px 0;
}

.modal-v2-pill {
    flex: 1;
    background: var(--gray-100);
    border-radius: 10px;
    padding: 10px 16px;
    text-align: center;
}

.modal-v2-pill .pill-label {
    display: block;
    font-size: 11px;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 2px;
}

.modal-v2-pill .pill-value {
    font-size: 18px;
    font-weight: 800;
    color: var(--primary);
}

/* Form */
.modal-v2-form {
    padding: 20px 28px 24px;
}

.mv2-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-bottom: 12px;
}

.mv2-field label {
    display: block;
    font-size: 12px;
    font-weight: 700;
    color: var(--dark-700);
    margin-bottom: 5px;
    text-transform: uppercase;
    letter-spacing: 0.3px;
}

.mv2-field input,
.mv2-field select {
    width: 100%;
    padding: 11px 14px;
    border: 1.5px solid var(--gray-200);
    border-radius: 10px;
    font-size: 14px;
    font-family: inherit;
    color: var(--dark);
    background: var(--white);
    transition: border-color 0.2s, box-shadow 0.2s;
}

.mv2-field input:focus,
.mv2-field select:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(0, 82, 255, 0.08);
}

.mv2-field input::placeholder { color: var(--gray-400); }

.mv2-phone-group {
    display: flex;
}

.mv2-phone-code {
    display: flex;
    align-items: center;
    padding: 0 12px;
    background: var(--gray-100);
    border: 1.5px solid var(--gray-200);
    border-right: none;
    border-radius: 10px 0 0 10px;
    font-size: 13px;
    font-weight: 700;
    color: var(--dark-500);
    flex-shrink: 0;
}

.mv2-phone-group input {
    border-radius: 0 10px 10px 0;
}

/* Checkbox */
.mv2-checks {
    margin: 14px 0 18px;
}

.mv2-check {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 12px;
    color: var(--gray-500);
    cursor: pointer;
}

.mv2-check input[type="checkbox"] {
    width: 16px; height: 16px;
    accent-color: var(--primary);
    flex-shrink: 0;
    cursor: pointer;
}

.mv2-check a {
    color: var(--primary);
    text-decoration: underline;
}

/* Submit */
.mv2-submit {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    width: 100%;
    padding: 14px;
    background: var(--gradient-primary);
    color: var(--white);
    border: none;
    border-radius: 12px;
    font-family: inherit;
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.25s ease;
    box-shadow: 0 4px 16px rgba(0, 82, 255, 0.3);
}

.mv2-submit:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 28px rgba(0, 82, 255, 0.4);
}

/* Trust */
.mv2-required {
    color: #E53935;
    font-weight: 700;
}

.mv2-hint {
    display: block;
    font-size: 11px;
    color: var(--gray-400);
    margin-top: 4px;
}

.mv2-trust-row {
    display: flex;
    justify-content: center;
    gap: 16px;
    padding-top: 14px;
    font-size: 11px;
    color: var(--gray-400);
}

/* Legacy form styles (for subpages) */
.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    font-weight: 600;
    font-size: 14px;
    color: var(--dark-700);
    margin-bottom: 8px;
}

.form-group input[type="text"],
.form-group input[type="email"],
.form-group input[type="tel"],
.form-group select {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-size: 15px;
    font-family: inherit;
    color: var(--dark);
    transition: border-color 0.2s, box-shadow 0.2s;
    background: var(--white);
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(0, 82, 255, 0.1);
}

.form-group input::placeholder {
    color: var(--gray-400);
}

.form-security {
    text-align: center;
    font-size: 13px;
    color: var(--gray-500);
    margin-top: 16px;
}

.checkbox-group {
    margin-bottom: 12px;
}

.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    cursor: pointer;
    font-size: 13px;
    color: var(--gray-500);
    line-height: 1.5;
}

.checkbox-label input[type="checkbox"] {
    width: 18px;
    height: 18px;
    accent-color: var(--primary);
    margin-top: 2px;
    flex-shrink: 0;
}

.checkbox-label a {
    color: var(--primary);
    text-decoration: underline;
}

/* --- Loading Screen V2 --- */
.loading-screen {
    display: none;
    padding: 100px 0 40px;
    min-height: 100vh;
    background: linear-gradient(180deg, #0A1628 0%, #0D2847 50%, #0052FF 100%);
    align-items: center;
    justify-content: center;
}

.loading-screen.active {
    display: flex;
}

.loading-wrapper {
    width: 100%;
    max-width: 480px;
    margin: 0 auto;
    padding: 20px;
}

.loading-card-v2 {
    background: var(--white);
    border-radius: 24px;
    padding: 48px 36px;
    text-align: center;
    box-shadow: 0 32px 80px rgba(0, 0, 0, 0.25);
    animation: modalIn 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Pulse ring */
.loading-pulse-ring {
    width: 72px;
    height: 72px;
    margin: 0 auto 28px;
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
}

.loading-pulse-ring::before,
.loading-pulse-ring::after {
    content: '';
    position: absolute;
    width: 100%;
    height: 100%;
    border-radius: 50%;
    border: 2px solid var(--primary);
    animation: pulseRing 2s ease-out infinite;
}

.loading-pulse-ring::after {
    animation-delay: 0.6s;
}

@keyframes pulseRing {
    0% { transform: scale(0.6); opacity: 1; }
    100% { transform: scale(1.6); opacity: 0; }
}

.loading-pulse-dot {
    width: 48px;
    height: 48px;
    background: var(--gradient-primary);
    border-radius: 50%;
    position: relative;
    z-index: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 20px rgba(0, 82, 255, 0.35);
    animation: pulseDot 1.2s ease-in-out infinite alternate;
}

.loading-pulse-dot::after {
    content: '$';
    color: white;
    font-size: 22px;
    font-weight: 800;
}

@keyframes pulseDot {
    0% { transform: scale(1); }
    100% { transform: scale(1.08); }
}

.loading-card-v2 h2 {
    font-size: 22px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 6px;
    letter-spacing: -0.3px;
}

.loading-card-v2 p {
    color: var(--gray-500);
    font-size: 14px;
    margin-bottom: 28px;
}

/* Progress bar */
.loading-bar-wrap {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 28px;
}

.loading-bar-track {
    flex: 1;
    height: 6px;
    background: var(--gray-200);
    border-radius: 3px;
    overflow: hidden;
}

.loading-bar-fill {
    height: 100%;
    background: var(--gradient-primary);
    border-radius: 3px;
    width: 0%;
    transition: width 0.5s ease;
}

.loading-bar-pct {
    font-size: 13px;
    font-weight: 800;
    color: var(--primary);
    min-width: 36px;
    text-align: right;
}

/* Checklist */
.loading-checklist {
    display: flex;
    flex-direction: column;
    gap: 0;
    text-align: left;
}

.loading-check-item {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 13px 16px;
    border-radius: 10px;
    font-size: 14px;
    font-weight: 500;
    color: var(--gray-400);
    transition: all 0.35s ease;
}

.check-icon-wrap {
    width: 24px;
    height: 24px;
    flex-shrink: 0;
    position: relative;
}

.check-spinner-svg {
    display: none;
    color: var(--primary);
    animation: spin 1s linear infinite;
}

.check-done-svg {
    display: none;
}

@keyframes spin {
    to { transform: rotate(360deg); }
}

/* Waiting state - gray circle */
.loading-check-item .check-icon-wrap::before {
    content: '';
    display: block;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    border: 2px solid var(--gray-200);
}

/* Active state - spinning */
.loading-check-item.active {
    background: var(--primary-light);
    color: var(--primary);
    font-weight: 600;
}

.loading-check-item.active .check-icon-wrap::before {
    display: none;
}

.loading-check-item.active .check-spinner-svg {
    display: block;
}

/* Completed state - green check */
.loading-check-item.completed {
    color: var(--secondary-dark);
    font-weight: 500;
}

.loading-check-item.completed .check-icon-wrap::before {
    display: none;
}

.loading-check-item.completed .check-spinner-svg {
    display: none;
}

.loading-check-item.completed .check-done-svg {
    display: block;
}

/* --- Offers Section --- */
.offers-section {
    display: none;
    padding: 120px 0 80px;
    background: var(--gray-100);
}

.offers-section.active {
    display: block;
}

.offers-header {
    text-align: center;
    margin-bottom: 48px;
}

.offers-badge {
    display: inline-block;
    background: #E8F5E9;
    color: var(--secondary-dark);
    padding: 8px 24px;
    border-radius: 50px;
    font-size: 16px;
    font-weight: 600;
    margin-bottom: 16px;
}

.offers-header h2 {
    font-size: 36px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 8px;
}

.offers-header p {
    color: var(--gray-500);
    font-size: 16px;
}

.offers-grid {
    display: flex;
    flex-direction: column;
    gap: 20px;
    max-width: 800px;
    margin: 0 auto;
}

.offer-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 0;
    overflow: hidden;
    border: 2px solid var(--gray-200);
    transition: all 0.3s ease;
    animation: fadeInUp 0.5s ease forwards;
    opacity: 0;
    position: relative;
}

.offer-card:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow-lg);
    transform: translateY(-2px);
}

.offer-card.featured {
    border-color: var(--secondary);
    box-shadow: 0 4px 20px rgba(0, 200, 83, 0.12);
}

.offer-card-ribbon {
    position: absolute;
    top: 0;
    right: 20px;
    background: linear-gradient(135deg, #00C853, #00E676);
    color: var(--white);
    padding: 5px 14px 7px;
    font-size: 11px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.4px;
    border-radius: 0 0 8px 8px;
    z-index: 2;
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.offer-info {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.offer-header-row {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 24px 28px 0;
}

.offer-logo {
    width: 110px;
    height: 38px;
    object-fit: contain;
    border-radius: 6px;
    flex-shrink: 0;
}

.offer-name-group {
    flex: 1;
}

.offer-name {
    font-size: 20px;
    font-weight: 800;
    color: var(--dark);
    line-height: 1.2;
}

.offer-rating {
    font-size: 14px;
    font-weight: 700;
    color: var(--accent);
    flex-shrink: 0;
}

.offer-usp {
    font-size: 13px;
    font-weight: 600;
    color: var(--secondary-dark);
    margin: 0;
    display: block;
}

.offer-stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    padding: 20px 28px;
}

.offer-stat {
    display: flex;
    flex-direction: column;
    gap: 3px;
    padding: 0 16px;
    border-right: 1px solid var(--gray-200);
}

.offer-stat:first-child {
    padding-left: 0;
}

.offer-stat:last-child {
    border-right: none;
}

.offer-stat-label {
    font-size: 11px;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.4px;
}

.offer-stat-value {
    font-size: 15px;
    font-weight: 800;
    color: var(--dark);
}

.offer-card-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 28px;
    background: var(--gray-100);
    border-top: 1px solid var(--gray-200);
    gap: 16px;
}

.offer-card.featured .offer-card-bottom {
    background: #F0FFF4;
}

.offer-badges {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 12px;
    color: var(--gray-500);
    flex-wrap: wrap;
}

.offer-badge-item {
    display: flex;
    align-items: center;
    gap: 4px;
    font-weight: 500;
}

.offer-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 12px 28px;
    background: var(--gradient-primary);
    color: var(--white);
    border-radius: var(--radius-sm);
    font-weight: 700;
    font-size: 15px;
    text-decoration: none;
    transition: all 0.3s;
    white-space: nowrap;
    box-shadow: 0 4px 12px rgba(0, 82, 255, 0.25);
}

.offer-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(0, 82, 255, 0.4);
    color: var(--white);
}

/* Legacy compat */
.offer-details { display: none; }
.offer-detail { display: none; }
.offer-detail-label { display: none; }
.offer-detail-value { display: none; }
.offer-badge { display: none; }
.offer-action { display: none; }

/* --- Section Styles --- */
.section-header {
    text-align: center;
    margin-bottom: 56px;
}

.section-header h2 {
    font-size: 36px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 12px;
}

.section-header p {
    font-size: 18px;
    color: var(--gray-500);
    max-width: 600px;
    margin: 0 auto;
}

/* --- How It Works --- */
.how-it-works {
    padding: 100px 0;
    background: var(--white);
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}

.step-card {
    text-align: center;
    padding: 40px 28px;
    border-radius: var(--radius-lg);
    background: var(--gray-100);
    position: relative;
    transition: transform 0.3s ease;
}

.step-card:hover {
    transform: translateY(-4px);
}

.step-number {
    position: absolute;
    top: -16px;
    left: 50%;
    transform: translateX(-50%);
    width: 36px;
    height: 36px;
    background: var(--gradient-primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 16px;
}

.step-icon-large {
    font-size: 48px;
    margin-bottom: 20px;
    margin-top: 8px;
}

.step-card h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 12px;
}

.step-card p {
    color: var(--gray-500);
    font-size: 15px;
    line-height: 1.6;
}

/* --- Benefits --- */
.benefits {
    padding: 100px 0;
    background: var(--gray-100);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.benefit-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 32px 28px;
    box-shadow: var(--shadow-sm);
    transition: all 0.3s ease;
}

.benefit-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
}

.benefit-icon {
    font-size: 40px;
    margin-bottom: 16px;
}

.benefit-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 8px;
}

.benefit-card p {
    color: var(--gray-500);
    font-size: 14px;
    line-height: 1.6;
}

/* --- Lenders Section --- */
.lenders {
    padding: 100px 0;
    background: var(--gray-100);
}

.lenders-grid {
    display: flex;
    flex-direction: column;
    gap: 20px;
    max-width: 900px;
    margin: 0 auto;
}

.lender-card {
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: all 0.3s ease;
    position: relative;
}

.lender-card:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow-lg);
    transform: translateY(-2px);
}

.lender-card.lender-featured {
    border-color: var(--secondary);
    box-shadow: 0 4px 20px rgba(0, 200, 83, 0.12);
}

.lender-card-ribbon {
    position: absolute;
    top: 0;
    right: 20px;
    background: linear-gradient(135deg, #00C853, #00E676);
    color: var(--white);
    padding: 5px 14px 7px;
    font-size: 11px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.4px;
    border-radius: 0 0 8px 8px;
    z-index: 2;
}

.lender-card-top {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 24px 28px 0;
}

.lender-logo-wrap {
    flex-shrink: 0;
}

.lender-logo {
    width: 110px;
    height: 38px;
    object-fit: contain;
    border-radius: 6px;
}

.lender-info {
    flex: 1;
    min-width: 0;
}

.lender-name {
    font-size: 20px;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 2px;
}

.lender-usp {
    font-size: 13px;
    font-weight: 600;
    color: var(--secondary-dark);
    display: block;
}

.lender-rating {
    display: flex;
    align-items: center;
    gap: 4px;
    font-size: 14px;
    font-weight: 700;
    color: var(--accent);
    flex-shrink: 0;
}

.lender-stats {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    padding: 20px 28px;
}

.lender-stat {
    display: flex;
    flex-direction: column;
    gap: 3px;
    padding: 0 16px;
    border-right: 1px solid var(--gray-200);
}

.lender-stat:first-child {
    padding-left: 0;
}

.lender-stat:last-child {
    border-right: none;
}

.lender-stat-label {
    font-size: 11px;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.4px;
}

.lender-stat-value {
    font-size: 15px;
    font-weight: 800;
    color: var(--dark);
}

.lender-card-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 28px;
    background: var(--gray-100);
    border-top: 1px solid var(--gray-200);
    gap: 16px;
}

.lender-featured .lender-card-bottom {
    background: #F0FFF4;
}

.lender-badges {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 12px;
    color: var(--gray-500);
    flex-wrap: wrap;
}

.lender-badge-item {
    display: flex;
    align-items: center;
    gap: 4px;
    font-weight: 500;
}

.lender-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 12px 28px;
    background: var(--gradient-primary);
    color: var(--white);
    border-radius: var(--radius-sm);
    font-weight: 700;
    font-size: 15px;
    text-decoration: none;
    transition: all 0.3s;
    white-space: nowrap;
    box-shadow: 0 4px 12px rgba(0, 82, 255, 0.25);
}

.lender-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(0, 82, 255, 0.4);
    color: var(--white);
}

/* Legacy compat */
.lender-header { display: none; }
.lender-details { display: none; }
.lender-detail { display: none; }
.detail-label { display: none; }
.detail-value { display: none; }
.lender-badge { display: none; }

/* --- Testimonials --- */
.testimonials {
    padding: 100px 0;
    background: var(--gray-100);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: var(--shadow-sm);
}

.testimonial-stars {
    margin-bottom: 16px;
    font-size: 16px;
}

.testimonial-card p {
    font-size: 15px;
    color: var(--dark-500);
    line-height: 1.7;
    margin-bottom: 20px;
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.author-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--gradient-primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 14px;
    flex-shrink: 0;
}

.author-name {
    font-weight: 600;
    font-size: 15px;
    color: var(--dark);
}

.author-location {
    font-size: 13px;
    color: var(--gray-500);
}

/* --- FAQ --- */
.faq {
    padding: 100px 0;
    background: var(--white);
}

.faq-list {
    max-width: 760px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.faq-item {
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-md);
    overflow: hidden;
    transition: border-color 0.3s;
}

.faq-item.active {
    border-color: var(--primary);
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    background: none;
    border: none;
    cursor: pointer;
    font-family: inherit;
    font-size: 16px;
    font-weight: 600;
    color: var(--dark);
    text-align: left;
    gap: 16px;
}

.faq-toggle {
    font-size: 24px;
    color: var(--primary);
    font-weight: 300;
    flex-shrink: 0;
    transition: transform 0.3s ease;
}

.faq-item.active .faq-toggle {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, padding 0.3s ease;
}

.faq-item.active .faq-answer {
    max-height: 300px;
}

.faq-answer p {
    padding: 0 24px 20px;
    color: var(--gray-500);
    font-size: 15px;
    line-height: 1.7;
}

/* --- CTA Section --- */
.cta-section {
    padding: 100px 0;
    background: var(--gradient-hero);
}

.cta-content {
    text-align: center;
    max-width: 600px;
    margin: 0 auto;
}

.cta-content h2 {
    font-size: 36px;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 16px;
}

.cta-content p {
    font-size: 18px;
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: 32px;
}

/* --- Footer --- */
.footer {
    padding: 80px 0 0;
    background: var(--dark);
    color: rgba(255, 255, 255, 0.7);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-grid-5 {
    grid-template-columns: 1.8fr 1fr 0.8fr 0.8fr 0.8fr;
    gap: 36px;
}

.footer-brand p {
    font-size: 14px;
    line-height: 1.7;
    margin-top: 16px;
    margin-bottom: 20px;
}

.footer-brand .logo-text {
    color: var(--white);
}

.footer-brand .logo-max {
    background: linear-gradient(135deg, #60A5FA 0%, #93C5FD 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.footer-security {
    display: flex;
    gap: 16px;
    font-size: 13px;
}

.footer-links {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.footer-links h4 {
    color: var(--white);
    font-weight: 700;
    font-size: 16px;
    margin-bottom: 4px;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.6);
    font-size: 14px;
    transition: color 0.2s;
}

.footer-links a:hover {
    color: var(--white);
}

.footer-disclaimer {
    padding: 32px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-disclaimer p {
    font-size: 12px;
    line-height: 1.8;
    color: rgba(255, 255, 255, 0.4);
}

.footer-bottom {
    padding: 24px 0;
    text-align: center;
}

.footer-bottom p {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.4);
}

/* ========================================
   Homepage V2 - Enhanced Sections
   ======================================== */

/* Hero USP List */
.hero-usps {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px 24px;
    margin-top: 28px;
}

.hero-usp {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    color: rgba(255, 255, 255, 0.8);
    font-weight: 500;
}

.hero-usp-icon {
    color: #00C853;
    font-weight: 700;
    font-size: 16px;
}

/* Steps Connector */
.steps-grid {
    position: relative;
}

.step-card {
    position: relative;
    z-index: 1;
}

/* Testimonial Stars */
.testimonial-stars-v2 {
    color: #F59E0B;
    font-size: 16px;
    letter-spacing: 2px;
    margin-bottom: 14px;
}

.btn-secondary-light {
    background: rgba(255, 255, 255, 0.15);
    color: var(--white);
    border: 1px solid rgba(255, 255, 255, 0.3);
    backdrop-filter: blur(4px);
}

.btn-secondary-light:hover {
    background: rgba(255, 255, 255, 0.25);
    color: var(--white);
}

/* ========================================
   Responsive Design
   ======================================== */
/* ========================================
   RESPONSIVE - Full Mobile Optimization
   ======================================== */

@media (max-width: 1024px) {
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }

    .hero-content {
        text-align: center;
    }

    .hero-stats {
        justify-content: center;
    }

    .hero-content h1 {
        font-size: 38px;
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 36px;
    }

    .footer-grid-5 {
        grid-template-columns: 1fr 1fr;
        gap: 32px;
    }

    .footer-grid-5 .footer-brand {
        grid-column: 1 / -1;
    }
}

@media (max-width: 768px) {
    /* Hide desktop nav, show mobile button */
    .desk-nav,
    .nav {
        display: none !important;
    }

    .btn-header {
        display: none !important;
    }

    .mob-btn,
    .mobile-menu-btn {
        display: flex !important;
    }

    /* --- Hero Mobile --- */
    .hero {
        padding: 84px 0 32px;
    }

    .hero-grid {
        gap: 24px;
    }

    .hero-content h1 {
        font-size: 28px;
        line-height: 1.2;
    }

    .hero-badge {
        font-size: 12px;
        padding: 6px 14px;
        margin-bottom: 16px;
    }

    .hero-subtitle {
        font-size: 14px;
        margin-bottom: 20px;
    }

    /* Hero stats removed - kept for subpage compatibility */

    /* Hero USPs mobile */
    .hero-usps {
        grid-template-columns: 1fr 1fr;
        gap: 6px 16px;
        margin-top: 20px;
    }

    .hero-usp {
        font-size: 13px;
        gap: 6px;
    }

    /* --- Calculator Card Mobile --- */
    .calc-card {
        border-radius: 16px;
    }

    .calc-header {
        padding: 16px 16px 12px;
    }

    .calc-header-icon {
        font-size: 24px;
        margin-bottom: 4px;
    }

    .calc-header h2 {
        font-size: 17px;
    }

    .calc-header p {
        font-size: 12px;
    }

    .calc-body {
        padding: 16px 16px 0;
    }

    .calc-slider-group {
        margin-bottom: 16px;
    }

    .calc-slider-top label {
        font-size: 13px;
    }

    .calc-slider-value {
        font-size: 18px;
    }

    .calc-summary {
        margin: 0 16px;
        padding: 10px 14px;
        border-radius: 10px;
    }

    .calc-summary-row {
        font-size: 13px;
    }

    .calc-cta {
        width: calc(100% - 32px);
        margin: 14px 16px 0;
        padding: 13px 16px;
        font-size: 14px;
        border-radius: 10px;
    }

    .calc-trust {
        padding: 10px 16px 14px;
        flex-direction: row;
        gap: 12px;
        justify-content: center;
        font-size: 10px;
    }

    /* --- Modal V2 --- */
    .modal-overlay {
        padding: 10px;
        align-items: flex-end;
    }

    .modal-v2 {
        border-radius: 20px 20px 0 0;
        max-height: 92vh;
        max-width: 100%;
    }

    .modal-v2-banner {
        border-radius: 20px 20px 0 0;
        padding: 20px;
        gap: 12px;
    }

    .modal-v2-banner h2 {
        font-size: 18px;
    }

    .modal-v2-banner-icon {
        width: 40px;
        height: 40px;
        border-radius: 12px;
    }

    .modal-v2-banner-icon svg {
        width: 22px;
        height: 22px;
    }

    .modal-v2-pill-row {
        padding: 14px 20px 0;
        gap: 8px;
    }

    .modal-v2-pill {
        padding: 8px 12px;
    }

    .modal-v2-pill .pill-value {
        font-size: 16px;
    }

    .modal-v2-form {
        padding: 16px 20px 20px;
    }

    .mv2-row {
        grid-template-columns: 1fr;
        gap: 10px;
        margin-bottom: 10px;
    }

    .mv2-field input,
    .mv2-field select {
        padding: 12px 14px;
        font-size: 16px; /* Prevents iOS zoom on focus */
    }

    .mv2-submit {
        padding: 15px;
        font-size: 15px;
    }

    .mv2-trust-row {
        gap: 10px;
        font-size: 10px;
        flex-wrap: wrap;
        justify-content: center;
    }

    /* --- Loading Screen --- */
    .loading-screen {
        padding: 80px 0 40px;
    }

    .loading-card-v2 {
        padding: 36px 24px;
        border-radius: 20px;
    }

    .loading-pulse-ring {
        width: 60px;
        height: 60px;
        margin-bottom: 24px;
    }

    .loading-pulse-dot {
        width: 40px;
        height: 40px;
    }

    .loading-pulse-dot::after {
        font-size: 18px;
    }

    .loading-card-v2 h2 {
        font-size: 20px;
    }

    .loading-card-v2 p {
        font-size: 13px;
    }

    .loading-check-item {
        padding: 11px 14px;
        font-size: 13px;
    }

    /* --- Sections Mobile --- */
    .how-it-works,
    .benefits,
    .testimonials,
    .lenders {
        padding: 48px 0;
    }

    .section-header {
        margin-bottom: 28px;
    }

    .section-header h2 {
        font-size: 24px;
    }

    .section-header p {
        font-size: 14px;
    }

    .steps-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }

    .step-card {
        padding: 20px;
        text-align: left;
    }

    .step-card .step-number {
        position: static;
        transform: none;
        width: 36px;
        height: 36px;
        font-size: 15px;
        margin: 0 0 12px 0;
    }

    .step-icon-large {
        display: none;
    }

    .step-card h3 {
        font-size: 16px;
        margin-bottom: 6px;
    }

    .step-card p {
        font-size: 13px;
        line-height: 1.5;
    }

    .steps-connector {
        display: none;
    }

    .benefits-grid,
    .benefits-grid-v2 {
        grid-template-columns: 1fr;
        gap: 10px;
    }

    .benefit-card {
        padding: 20px 16px;
    }

    .benefit-v2 {
        padding: 16px 14px;
        gap: 12px;
    }

    .benefit-v2-icon {
        width: 42px;
        height: 42px;
        border-radius: 10px;
        font-size: 20px;
    }

    .benefit-v2-text h3 {
        font-size: 14px;
    }

    .benefit-v2-text p {
        font-size: 13px;
    }

    .testimonials-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }

    .testimonial-card {
        padding: 20px;
    }

    .testimonial-card p {
        font-size: 14px;
    }

    .lenders-grid {
        gap: 12px;
    }

    /* --- Offers Mobile --- */
    .offers-section {
        padding: 84px 0 48px;
    }

    .offers-header {
        margin-bottom: 24px;
    }

    .offers-header h2 {
        font-size: 22px;
    }

    .offers-badge {
        font-size: 13px;
        padding: 6px 16px;
    }

    .offer-header-row {
        padding: 16px 16px 0;
        gap: 10px;
    }

    .offer-logo {
        width: 80px;
        height: 28px;
    }

    .offer-name {
        font-size: 16px;
    }

    .offer-stats-grid {
        grid-template-columns: 1fr 1fr;
        gap: 10px;
        padding: 14px 16px;
    }

    .offer-stat {
        border-right: none;
        padding: 0;
    }

    .offer-stat-label {
        font-size: 10px;
    }

    .offer-stat-value {
        font-size: 13px;
    }

    .offer-card-bottom {
        flex-direction: column;
        align-items: stretch;
        text-align: center;
        padding: 12px 16px;
        gap: 10px;
    }

    .offer-badges {
        justify-content: center;
        font-size: 10px;
        gap: 8px;
    }

    .offer-cta {
        justify-content: center;
        padding: 12px 16px;
        font-size: 14px;
    }

    /* --- Lender Cards Mobile --- */
    .lender-card-top {
        padding: 16px 16px 0;
        gap: 10px;
        flex-wrap: nowrap;
    }

    .lender-logo {
        width: 80px;
        height: 28px;
    }

    .lender-name {
        font-size: 16px;
    }

    .lender-usp {
        font-size: 12px;
    }

    .lender-stats {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
        padding: 14px 16px;
    }

    .lender-stat {
        border-right: none;
        padding: 0;
    }

    .lender-stat-label {
        font-size: 10px;
    }

    .lender-stat-value {
        font-size: 14px;
    }

    .lender-card-bottom {
        flex-direction: column;
        align-items: stretch;
        text-align: center;
        padding: 12px 16px;
        gap: 10px;
    }

    .lender-badges {
        justify-content: center;
        font-size: 10px;
        gap: 8px;
    }

    .lender-cta {
        justify-content: center;
        padding: 12px 16px;
        font-size: 14px;
    }

    .lenders-count-bar {
        font-size: 12px;
        padding: 10px 16px;
    }

    .lenders-more {
        margin-top: 20px;
    }

    /* --- Social Proof Mobile --- */
    .social-proof {
        padding: 48px 0;
    }

    .proof-grid {
        grid-template-columns: 1fr 1fr;
        gap: 8px;
    }

    .proof-item {
        padding: 12px 8px;
    }

    .proof-num {
        font-size: 28px;
    }

    .proof-label {
        font-size: 12px;
    }

    /* --- CTA Mobile --- */
    .cta-section {
        padding: 48px 0;
    }

    .cta-content h2 {
        font-size: 22px;
    }

    .cta-content p {
        font-size: 14px;
        margin-bottom: 20px;
    }

    .cta-buttons {
        flex-direction: column;
        gap: 10px;
    }

    .cta-buttons .btn {
        width: 100%;
    }

    /* --- FAQ Mobile --- */
    .faq {
        padding: 48px 0;
    }

    .faq-question {
        padding: 14px 16px;
        font-size: 14px;
        gap: 12px;
    }

    .faq-answer p {
        padding: 0 16px 14px;
        font-size: 13px;
    }

    .faq-item {
        border-width: 1px;
        border-radius: 10px;
    }

    /* --- Footer Mobile --- */
    .footer {
        padding: 40px 0 0;
    }

    .footer-grid,
    .footer-grid-5 {
        grid-template-columns: 1fr 1fr;
        gap: 24px;
    }

    .footer-grid-5 .footer-brand {
        grid-column: 1 / -1;
    }

    .footer-brand p {
        font-size: 13px;
    }

    .footer-links {
        gap: 8px;
    }

    .footer-links h4 {
        font-size: 14px;
        margin-bottom: 4px;
    }

    .footer-links a {
        font-size: 12px;
    }

    .footer-security {
        font-size: 11px;
        gap: 10px;
    }

    .footer-disclaimer {
        padding: 20px 0;
    }

    .footer-disclaimer p {
        font-size: 10px;
    }

    .footer-bottom p {
        font-size: 11px;
    }

    /* --- Homepage V2 --- */
    .benefits-grid-v2 {
        grid-template-columns: 1fr;
    }

    .proof-grid {
        grid-template-columns: 1fr 1fr;
        gap: 20px;
    }

    .proof-num {
        font-size: 32px;
    }

    .hero-chips {
        flex-direction: column;
        text-align: center;
        gap: 6px;
    }

    .cta-buttons {
        flex-direction: column;
    }

    .lenders-count-bar {
        font-size: 13px;
    }
}

@media (max-width: 480px) {
    .hero {
        padding: 80px 0 24px;
    }

    .hero-content h1 {
        font-size: 24px;
    }

    .hero-badge {
        font-size: 11px;
        padding: 5px 12px;
    }

    .hero-subtitle {
        font-size: 13px;
    }

    .stat-number {
        font-size: 18px;
    }

    .stat-label {
        font-size: 10px;
    }

    /* Calculator extra small */
    .calc-slider-value {
        font-size: 18px;
    }

    .calc-slider-top {
        flex-direction: column;
        align-items: flex-start;
        gap: 4px;
    }

    .calc-range::-webkit-slider-thumb {
        width: 28px;
        height: 28px;
    }

    .calc-summary-row {
        font-size: 13px;
    }

    /* Modal extra small */
    .modal-overlay {
        padding: 0;
    }

    .modal-v2 {
        border-radius: 20px 20px 0 0;
        max-height: 95vh;
    }

    .modal-v2-banner h2 {
        font-size: 16px;
    }

    .modal-v2-banner p {
        font-size: 12px;
    }

    .modal-v2-pill .pill-value {
        font-size: 15px;
    }

    .mv2-field label {
        font-size: 11px;
    }

    /* Offer/Lender cards extra small - keep 2x2 grid */
    .offer-stats-grid,
    .lender-stats {
        grid-template-columns: 1fr 1fr;
        gap: 8px;
    }

    .offer-header-row,
    .lender-card-top {
        flex-direction: column;
        align-items: flex-start;
        gap: 8px;
    }

    .offer-name,
    .lender-name {
        font-size: 15px;
    }

    .offer-stat-value,
    .lender-stat-value {
        font-size: 13px;
    }

    /* Section headers */
    .section-header h2 {
        font-size: 21px;
    }

    .section-header p {
        font-size: 13px;
    }

    .offers-header h2 {
        font-size: 20px;
    }

    /* Loading extra small */
    .loading-card-v2 {
        padding: 28px 16px;
    }

    .loading-card-v2 h2 {
        font-size: 17px;
    }

    .loading-check-item {
        font-size: 12px;
        padding: 9px 10px;
        gap: 8px;
    }

    /* Footer 480 */
    .footer-grid,
    .footer-grid-5 {
        grid-template-columns: 1fr;
        gap: 20px;
    }

    .footer-brand p {
        font-size: 12px;
    }

    .footer-security {
        flex-direction: column;
        gap: 4px;
        align-items: flex-start;
        font-size: 10px;
    }

    .footer-links h4 {
        font-size: 13px;
    }

    .footer-links a {
        font-size: 11px;
    }

    /* CTA 480 */
    .cta-content h2 {
        font-size: 20px;
    }

    .btn-large {
        padding: 12px 24px;
        font-size: 14px;
    }

    /* Social proof 480 */
    .proof-grid {
        grid-template-columns: 1fr 1fr;
        gap: 4px;
    }

    .proof-item {
        padding: 8px 4px;
    }

    .proof-num {
        font-size: 24px;
    }

    .proof-label {
        font-size: 10px;
    }

    /* Steps card 480 */
    .step-card {
        padding: 20px 16px;
        gap: 12px;
    }

    .step-card .step-number {
        width: 28px;
        height: 28px;
        font-size: 12px;
    }

    .benefit-v2 {
        padding: 20px 16px;
    }
}

/* ========================================
   Navigation Dropdown
   ======================================== */
.nav-dropdown {
    position: relative;
}

.nav-dropdown .nav-link {
    color: var(--dark-500);
    font-weight: 500;
    font-size: 15px;
    transition: color 0.2s;
    cursor: pointer;
}

.nav-dropdown .nav-link:hover {
    color: var(--primary);
}

.nav-dropdown-menu {
    display: none;
    position: absolute;
    top: 100%;
    left: -16px;
    min-width: 220px;
    background: var(--white);
    border-radius: var(--radius-md);
    box-shadow: 0 8px 32px rgba(0,0,0,0.12);
    border: 1px solid var(--gray-200);
    padding: 8px 0;
    z-index: 100;
    margin-top: 12px;
}

/* Mega menu (2 columns) */
.nav-mega {
    min-width: 420px;
    display: none;
    padding: 16px;
    gap: 0;
}

.nav-mega-col {
    display: flex;
    flex-direction: column;
}

.nav-mega-title {
    font-size: 11px;
    font-weight: 700;
    color: var(--gray-400);
    text-transform: uppercase;
    letter-spacing: 0.8px;
    padding: 4px 12px 8px;
}

.nav-dropdown:hover .nav-dropdown-menu {
    display: block;
}

.nav-dropdown:hover .nav-mega {
    display: grid;
    grid-template-columns: 1fr 1fr;
}

.nav-dropdown-menu a {
    display: block;
    padding: 8px 12px;
    color: var(--dark-500);
    font-size: 14px;
    font-weight: 500;
    transition: all 0.2s;
    border-radius: 6px;
}

.nav-dropdown-menu a:hover {
    background: var(--primary-light);
    color: var(--primary);
}

/* ========================================
   Breadcrumbs
   ======================================== */
.breadcrumbs {
    padding: 16px 0;
    background: var(--gray-100);
    border-bottom: 1px solid var(--gray-200);
    margin-top: 72px;
}

.breadcrumbs-list {
    display: flex;
    align-items: center;
    gap: 8px;
    list-style: none;
    flex-wrap: wrap;
    font-size: 14px;
}

.breadcrumbs-list li {
    display: flex;
    align-items: center;
    gap: 8px;
}

.breadcrumbs-list li a {
    color: var(--gray-500);
    transition: color 0.2s;
}

.breadcrumbs-list li a:hover {
    color: var(--primary);
}

.breadcrumbs-list li.active {
    color: var(--dark);
    font-weight: 500;
}

.breadcrumbs-list .separator {
    color: var(--gray-400);
    font-size: 12px;
}

/* ========================================
   Article / Content Pages
   ======================================== */
.page-hero {
    padding: 48px 0;
    background: var(--gradient-hero);
    color: var(--white);
    margin-top: 72px;
}

.page-hero h1 {
    font-size: 40px;
    font-weight: 800;
    line-height: 1.2;
    margin-bottom: 12px;
}

.page-hero p {
    font-size: 18px;
    color: rgba(255, 255, 255, 0.8);
    max-width: 700px;
}

.page-hero-sm {
    padding: 32px 0;
}

.page-hero-sm h1 {
    font-size: 32px;
}

.article-layout {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 48px;
    padding: 48px 0;
}

.article-content {
    min-width: 0;
}

.article-sidebar {
    position: sticky;
    top: 96px;
    align-self: start;
}

.article-meta {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 32px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--gray-200);
    flex-wrap: wrap;
    font-size: 14px;
    color: var(--gray-500);
}

.article-meta .author-tag {
    display: flex;
    align-items: center;
    gap: 8px;
    font-weight: 600;
    color: var(--dark-700);
}

.article-meta .date-tag,
.article-meta .read-time {
    display: flex;
    align-items: center;
    gap: 4px;
}

.article-content h2 {
    font-size: 28px;
    font-weight: 700;
    color: var(--dark);
    margin: 40px 0 16px;
    padding-top: 16px;
    border-top: 1px solid var(--gray-200);
}

.article-content h2:first-of-type {
    border-top: none;
    margin-top: 0;
    padding-top: 0;
}

.article-content h3 {
    font-size: 22px;
    font-weight: 700;
    color: var(--dark-700);
    margin: 28px 0 12px;
}

.article-content p {
    font-size: 16px;
    line-height: 1.8;
    color: var(--dark-500);
    margin-bottom: 16px;
}

.article-content ul,
.article-content ol {
    margin: 16px 0;
    padding-left: 24px;
}

.article-content li {
    font-size: 16px;
    line-height: 1.8;
    color: var(--dark-500);
    margin-bottom: 8px;
}

.article-content a {
    color: var(--primary);
    text-decoration: underline;
    text-underline-offset: 2px;
}

.article-content a:hover {
    color: var(--primary-dark);
}

/* TL;DR Box */
.tldr-box {
    background: var(--primary-light);
    border-left: 4px solid var(--primary);
    border-radius: var(--radius-sm);
    padding: 20px 24px;
    margin-bottom: 32px;
}

.tldr-box h3 {
    font-size: 16px;
    font-weight: 700;
    color: var(--primary);
    margin: 0 0 8px;
}

.tldr-box p {
    font-size: 15px;
    color: var(--dark-500);
    margin: 0;
}

/* Info Box / Warning Box */
.info-box {
    background: #E3F2FD;
    border-left: 4px solid #2196F3;
    border-radius: var(--radius-sm);
    padding: 20px 24px;
    margin: 24px 0;
}

.info-box.warning {
    background: #FFF3E0;
    border-left-color: var(--accent);
}

.info-box.success {
    background: #E8F5E9;
    border-left-color: var(--secondary);
}

.info-box h4 {
    font-size: 15px;
    font-weight: 700;
    margin-bottom: 6px;
}

.info-box p {
    font-size: 14px;
    margin: 0;
}

/* Pros & Cons */
.pros-cons {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin: 24px 0;
}

.pros-list,
.cons-list {
    border-radius: var(--radius-md);
    padding: 24px;
}

.pros-list {
    background: #E8F5E9;
    border: 1px solid #C8E6C9;
}

.cons-list {
    background: #FFEBEE;
    border: 1px solid #FFCDD2;
}

.pros-list h4 {
    color: var(--secondary-dark);
    margin-bottom: 12px;
    font-size: 16px;
}

.cons-list h4 {
    color: #C62828;
    margin-bottom: 12px;
    font-size: 16px;
}

.pros-list li,
.cons-list li {
    font-size: 14px;
    line-height: 1.6;
    margin-bottom: 6px;
}

/* ========================================
   Comparison Tables
   ======================================== */
.comparison-table-wrapper {
    overflow-x: auto;
    margin: 24px 0;
    border-radius: var(--radius-md);
    border: 1px solid var(--gray-200);
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 14px;
    min-width: 600px;
}

.comparison-table thead {
    background: var(--dark);
    color: var(--white);
}

.comparison-table th {
    padding: 14px 16px;
    font-weight: 600;
    text-align: left;
    white-space: nowrap;
}

.comparison-table td {
    padding: 14px 16px;
    border-bottom: 1px solid var(--gray-200);
    color: var(--dark-500);
}

.comparison-table tbody tr:hover {
    background: var(--primary-light);
}

.comparison-table tbody tr:last-child td {
    border-bottom: none;
}

.comparison-table .highlight-row {
    background: #E8F5E9;
}

.table-cta {
    display: inline-block;
    padding: 6px 16px;
    background: var(--primary);
    color: var(--white);
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: 13px;
    transition: background 0.2s;
    text-decoration: none;
}

.table-cta:hover {
    background: var(--primary-dark);
    color: var(--white);
}

/* ========================================
   Key Facts Card
   ======================================== */
.key-facts {
    background: var(--gray-100);
    border-radius: var(--radius-lg);
    padding: 28px;
    margin: 24px 0;
}

.key-facts h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--dark);
    margin: 0 0 16px;
}

.key-facts-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 16px;
}

.key-fact {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.key-fact .kf-label {
    font-size: 12px;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.key-fact .kf-value {
    font-size: 16px;
    font-weight: 700;
    color: var(--dark);
}

/* ========================================
   Rating Breakdown
   ======================================== */
.rating-breakdown {
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 28px;
    margin: 24px 0;
}

.rating-overall {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 24px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--gray-200);
}

.rating-big {
    font-size: 48px;
    font-weight: 800;
    color: var(--primary);
    line-height: 1;
}

.rating-stars {
    font-size: 20px;
}

.rating-count {
    font-size: 14px;
    color: var(--gray-500);
}

.rating-bars {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.rating-bar-row {
    display: flex;
    align-items: center;
    gap: 12px;
}

.rating-bar-label {
    width: 140px;
    font-size: 14px;
    color: var(--dark-500);
    flex-shrink: 0;
}

.rating-bar-track {
    flex: 1;
    height: 8px;
    background: var(--gray-200);
    border-radius: 4px;
    overflow: hidden;
}

.rating-bar-fill {
    height: 100%;
    background: var(--gradient-primary);
    border-radius: 4px;
}

.rating-bar-value {
    width: 36px;
    text-align: right;
    font-size: 14px;
    font-weight: 700;
    color: var(--dark);
}

/* ========================================
   Cards Grid (for hub pages)
   ======================================== */
.cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 24px;
    margin: 32px 0;
}

.category-card {
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 32px 28px;
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
}

.category-card:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
}

.category-card .card-icon {
    font-size: 40px;
    margin-bottom: 16px;
}

.category-card h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 8px;
}

.category-card p {
    font-size: 14px;
    color: var(--gray-500);
    line-height: 1.6;
    flex: 1;
    margin-bottom: 16px;
}

.category-card .card-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--primary);
    font-weight: 600;
    font-size: 14px;
}

.category-card:hover .card-link {
    gap: 10px;
}

/* Blog article cards */
.blog-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: all 0.3s ease;
}

.blog-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}

.blog-card-body {
    padding: 24px;
}

.blog-card-meta {
    display: flex;
    gap: 12px;
    font-size: 13px;
    color: var(--gray-500);
    margin-bottom: 12px;
}

.blog-card-tag {
    display: inline-block;
    background: var(--primary-light);
    color: var(--primary);
    padding: 2px 10px;
    border-radius: 50px;
    font-size: 12px;
    font-weight: 600;
}

.blog-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 8px;
    line-height: 1.4;
}

.blog-card h3 a {
    color: inherit;
    text-decoration: none;
}

.blog-card h3 a:hover {
    color: var(--primary);
}

.blog-card p {
    font-size: 14px;
    color: var(--gray-500);
    line-height: 1.6;
    margin-bottom: 16px;
}

.blog-card .read-more {
    color: var(--primary);
    font-weight: 600;
    font-size: 14px;
}

/* ========================================
   Calculator / Tool Styles
   ======================================== */
.calculator-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 40px;
    box-shadow: var(--shadow-lg);
    margin: 32px 0;
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
}

.calc-inputs h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 24px;
}

.calc-results {
    background: var(--gray-100);
    border-radius: var(--radius-lg);
    padding: 32px;
}

.calc-results h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 24px;
}

.calc-result-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 16px 0;
    border-bottom: 1px solid var(--gray-200);
}

.calc-result-item:last-child {
    border-bottom: none;
}

.calc-result-label {
    font-size: 15px;
    color: var(--gray-500);
}

.calc-result-value {
    font-size: 20px;
    font-weight: 800;
    color: var(--primary);
}

.calc-result-value.total {
    font-size: 28px;
}

/* Radio button group */
.radio-group {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin: 12px 0;
}

.radio-option {
    position: relative;
}

.radio-option input {
    position: absolute;
    opacity: 0;
    cursor: pointer;
}

.radio-option label {
    display: block;
    padding: 10px 20px;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-size: 14px;
    font-weight: 500;
    color: var(--dark-500);
    cursor: pointer;
    transition: all 0.2s;
}

.radio-option input:checked + label {
    border-color: var(--primary);
    background: var(--primary-light);
    color: var(--primary);
    font-weight: 600;
}

/* ========================================
   Sidebar Widgets
   ======================================== */
.sidebar-widget {
    background: var(--white);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 24px;
    margin-bottom: 24px;
}

.sidebar-widget h4 {
    font-size: 16px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 16px;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--gray-200);
}

.sidebar-widget ul {
    list-style: none;
}

.sidebar-widget li {
    margin-bottom: 10px;
}

.sidebar-widget li a {
    color: var(--dark-500);
    font-size: 14px;
    transition: color 0.2s;
    display: flex;
    align-items: center;
    gap: 8px;
}

.sidebar-widget li a:hover {
    color: var(--primary);
}

.sidebar-cta {
    background: var(--gradient-hero);
    border: none;
    color: var(--white);
}

.sidebar-cta h4 {
    color: var(--white);
    border-bottom-color: rgba(255,255,255,0.2);
}

.sidebar-cta p {
    font-size: 14px;
    color: rgba(255,255,255,0.8);
    margin-bottom: 16px;
}

/* Table of Contents */
.toc-widget ul {
    padding-left: 0;
}

.toc-widget li {
    padding: 4px 0;
}

.toc-widget li a {
    font-size: 13px;
}

/* ========================================
   Contact Form
   ======================================== */
.contact-form {
    max-width: 640px;
}

.contact-form .form-group {
    margin-bottom: 20px;
}

.contact-form textarea {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-size: 15px;
    font-family: inherit;
    color: var(--dark);
    transition: border-color 0.2s, box-shadow 0.2s;
    resize: vertical;
    min-height: 140px;
}

.contact-form textarea:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(0, 82, 255, 0.1);
}

/* ========================================
   Legal Page Styles
   ======================================== */
.legal-content {
    max-width: 800px;
    margin: 0 auto;
    padding: 48px 0 80px;
}

.legal-content h2 {
    font-size: 24px;
    font-weight: 700;
    color: var(--dark);
    margin: 36px 0 12px;
}

.legal-content h3 {
    font-size: 20px;
    font-weight: 600;
    color: var(--dark-700);
    margin: 24px 0 8px;
}

.legal-content p {
    font-size: 15px;
    line-height: 1.8;
    color: var(--dark-500);
    margin-bottom: 12px;
}

.legal-content ul {
    margin: 12px 0;
    padding-left: 24px;
}

.legal-content li {
    font-size: 15px;
    line-height: 1.8;
    color: var(--dark-500);
    margin-bottom: 4px;
}

.legal-content .last-updated {
    font-size: 14px;
    color: var(--gray-500);
    margin-bottom: 32px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--gray-200);
}

/* ========================================
   Content Section (generic)
   ======================================== */
.content-section {
    padding: 48px 0 80px;
}

.content-section.bg-gray {
    background: var(--gray-100);
}

/* ========================================
   Responsive Updates for Subpages
   ======================================== */
@media (max-width: 1024px) {
    .article-layout {
        grid-template-columns: 1fr;
    }

    .article-sidebar {
        position: static;
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 16px;
    }

    .calculator-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .page-hero {
        margin-top: 72px;
        padding: 32px 0;
    }

    .page-hero h1 {
        font-size: 28px;
    }

    .breadcrumbs {
        margin-top: 72px;
    }

    /* Nav dropdown mobile rules are in main responsive block above */

    .article-sidebar {
        grid-template-columns: 1fr;
    }

    .pros-cons {
        grid-template-columns: 1fr;
    }

    .cards-grid {
        grid-template-columns: 1fr;
    }

    .calculator-card {
        padding: 24px;
    }

    .comparison-table {
        font-size: 13px;
    }

    .comparison-table th,
    .comparison-table td {
        padding: 10px 12px;
    }
}

/* --- Utility: hide/show --- */
.hidden {
    display: none !important;
}

/* --- Scroll animation --- */
.animate-on-scroll {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

.animate-on-scroll.visible {
    opacity: 1;
    transform: translateY(0);
}

/* ========================================
   Homepage Redesign - New Styles
   ======================================== */

/* --- Steps Connector --- */
.steps-grid {
    position: relative;
}

.steps-connector {
    display: none;
    position: absolute;
    top: 80px;
    left: calc(16.66% + 40px);
    right: calc(16.66% + 40px);
    height: 3px;
    background: var(--gradient-primary);
    border-radius: 2px;
    z-index: 0;
    opacity: 0.25;
}

@media (min-width: 768px) {
    .steps-connector {
        display: block;
    }
}

/* --- Benefits Grid V2 (2-column icon+text layout) --- */
.benefits-grid-v2 {
    display: grid;
    grid-template-columns: 1fr;
    gap: 24px;
}

@media (min-width: 768px) {
    .benefits-grid-v2 {
        grid-template-columns: 1fr 1fr;
        gap: 28px 40px;
    }
}

.benefit-v2 {
    display: flex;
    align-items: flex-start;
    gap: 20px;
    padding: 24px;
    background: var(--white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--gray-200);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.benefit-v2:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.benefit-v2-icon {
    flex-shrink: 0;
    width: 60px;
    height: 60px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    font-size: 26px;
}

.benefit-v2-text h3 {
    font-size: 17px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 6px;
}

.benefit-v2-text p {
    font-size: 14px;
    color: var(--gray-500);
    line-height: 1.6;
    margin: 0;
}

/* --- Lenders Count Bar --- */
.lenders-count-bar {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    margin-bottom: 32px;
    padding: 14px 24px;
    background: var(--primary-light);
    border: 1px solid rgba(0, 82, 255, 0.12);
    border-radius: var(--radius-md);
    font-size: 15px;
    font-weight: 600;
    color: var(--primary-dark);
    text-align: center;
}

.lenders-count-num {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 28px;
    height: 28px;
    background: var(--gradient-primary);
    color: var(--white);
    border-radius: 50%;
    font-size: 14px;
    font-weight: 700;
}

/* --- Lenders More CTA --- */
.lenders-more {
    text-align: center;
    margin-top: 32px;
}

/* --- Testimonials Star Rating --- */
.star-yellow {
    color: #F5A623;
    font-size: 20px;
    letter-spacing: 2px;
}

/* --- Verified Badge --- */
.verified-badge {
    display: inline-flex;
    align-items: center;
    gap: 3px;
    padding: 2px 10px;
    background: #E8F8EE;
    color: #00A844;
    font-size: 12px;
    font-weight: 600;
    border-radius: 20px;
    margin-left: 6px;
    vertical-align: middle;
}

/* --- Social Proof Section --- */
.social-proof {
    padding: 64px 0;
    background: var(--gradient-hero);
}

.proof-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
    text-align: center;
}

@media (min-width: 768px) {
    .proof-grid {
        grid-template-columns: repeat(4, 1fr);
    }
}

.proof-item {
    padding: 24px 16px;
}

.proof-num {
    font-size: 36px;
    font-weight: 800;
    color: var(--white);
    line-height: 1.2;
    margin-bottom: 8px;
}

@media (min-width: 768px) {
    .proof-num {
        font-size: 44px;
    }
}

.proof-label {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.7);
    font-weight: 500;
}

/* --- CTA Buttons Group --- */
.cta-buttons {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
}

.cta-buttons .btn-outline {
    background: transparent;
    color: var(--white) !important;
    border-color: rgba(255, 255, 255, 0.4);
}

.cta-buttons .btn-outline:hover {
    background: rgba(255, 255, 255, 0.15);
    border-color: rgba(255, 255, 255, 0.7);
    color: var(--white) !important;
}